/* ── RATGEBER (/ratgeber/) — eigene Datei, nutzt Farben/Schriften aus style.css ── */
#floating-cta { position: fixed; bottom: max(28px, calc(28px + env(safe-area-inset-bottom))); right: max(28px, calc(28px + env(safe-area-inset-right))); background: #84cc16; color: #0a0a0a; padding: 14px 24px; border-radius: 100px; font-weight: 700; font-size: 0.92rem; text-decoration: none; box-shadow: 0 8px 30px rgba(132,204,22,0.45); z-index: 998; opacity: 0; transform: translateY(16px); transition: opacity .35s ease, transform .35s ease; pointer-events: none; }
#floating-cta.visible { opacity: 1; transform: translateY(0); pointer-events: auto; }

.rg-article, .rg-hub-hero, .rg-fristen, .rg-list, .rg-cta, .rg-more { font-family: 'Instrument Sans', sans-serif; color: #1a1a1a; }
.rg-article h1, .rg-article h2, .rg-hub-hero h1, .rg-fristen h2, .rg-list h2, .rg-cta h2 { font-family: 'Playfair Display', serif; letter-spacing: -0.02em; }
.rg-article em, .rg-hub-hero h1 em, .rg-fristen h2 em, .rg-list h2 em { color: #65a30d; font-style: italic; }

/* Artikel-Kopf */
.rg-hero { background: #f8f8f6; padding: 128px 6% 56px; }
.rg-hero-in { max-width: 860px; margin: 0 auto; }
.rg-crumbs { display: flex; flex-wrap: wrap; gap: 6px; font-size: 0.8rem; color: #6b7280; margin-bottom: 18px; }
.rg-crumbs a { color: #6b7280; text-decoration: none; padding: 12px 0; margin: -12px 0; }
.rg-crumbs a:hover { color: #65a30d; }
.rg-hero h1 { font-size: clamp(2rem, 4.2vw, 3.1rem); font-weight: 700; line-height: 1.12; margin: 10px 0 18px; }
.rg-lead { font-size: 1.12rem; line-height: 1.7; color: #1a1a1a; max-width: 68ch; }
.rg-meta { font-size: 0.82rem; color: #6b7280; margin-top: 18px; }
.rg-meta a { color: #65a30d; font-weight: 600; text-decoration: none; }

/* Zweispaltig: Inhaltsverzeichnis + Text */
.rg-layout { max-width: 1120px; margin: 0 auto; padding: 56px 6% 24px; display: grid; grid-template-columns: 230px minmax(0, 1fr); gap: 56px; }
.rg-toc { position: sticky; top: 100px; align-self: start; font-size: 0.85rem; }
.rg-toc-k, .rg-kurz-k, .rg-emp-k, .rg-wen-k { display: block; font-size: 0.68rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: #65a30d; margin-bottom: 10px; }
.rg-toc ol { list-style: none; padding: 0; margin: 0; border-left: 2px solid #e5e7eb; }
.rg-toc li a { display: block; padding: 7px 0 7px 14px; margin-left: -2px; border-left: 2px solid transparent; color: #4b5563; text-decoration: none; line-height: 1.35; }
.rg-toc li a:hover { color: #1a1a1a; border-left-color: #84cc16; }
.rg-body { max-width: 720px; min-width: 0; }
.rg-body p, .rg-body li { font-size: 1.02rem; line-height: 1.75; color: #1a1a1a; }
.rg-body p { margin: 0 0 14px; }
.rg-body a { color: #65a30d; font-weight: 600; }
.rg-sec { padding-top: 34px; scroll-margin-top: 90px; }
.rg-sec h2 { font-size: clamp(1.45rem, 2.4vw, 1.85rem); font-weight: 700; line-height: 1.2; margin: 0 0 16px; }
.rg-sec h3 { font-family: 'Instrument Sans', sans-serif; font-size: 1.05rem; font-weight: 600; margin: 22px 0 8px; }
.rg-sec ul { padding-left: 1.2rem; margin: 0 0 14px; }
.rg-sec li { margin-bottom: 6px; }

/* Kasten "Das Wichtigste in Kuerze" */
.rg-kurz { background: #f0fdf4; border: 1px solid rgba(132,204,22,0.35); border-radius: 16px; padding: 24px 26px; }
.rg-kurz ul { margin: 0; padding-left: 1.1rem; }
.rg-kurz li { margin-bottom: 8px; }
.rg-kurz li:first-child { font-weight: 600; }
.rg-update { margin-top: 16px !important; font-size: 0.88rem !important; color: #4b5563 !important; border-left: 3px solid #84cc16; padding-left: 12px; }

/* Tabelle */
.rg-table { width: 100%; border-collapse: collapse; margin: 6px 0 18px; font-size: 0.92rem; }
.rg-table th, .rg-table td { text-align: left; padding: 10px 12px; border-bottom: 1px solid #e5e7eb; vertical-align: top; }
.rg-table th { font-weight: 600; background: #f8f8f6; }
.rg-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.rg-note { font-size: 0.85rem !important; color: #6b7280 !important; }

/* Schritte */
.rg-steps { list-style: none; counter-reset: s; padding: 0; margin: 0; }
.rg-steps li { counter-increment: s; position: relative; padding: 0 0 18px 52px; margin: 0; }
.rg-steps li::before { content: counter(s); position: absolute; left: 0; top: 0; width: 34px; height: 34px; border-radius: 50%; background: #84cc16; color: #0a0a0a; font-weight: 700; display: flex; align-items: center; justify-content: center; font-size: 0.9rem; }
.rg-steps li b { display: block; font-size: 1.02rem; margin: 5px 0 4px; }
.rg-steps li p { margin: 0; color: #374151; }

/* Empfehlung */
.rg-emp { margin-top: 34px; background: #1a1a1a; color: #fff; border-radius: 18px; padding: 26px 28px; scroll-margin-top: 90px; }
.rg-emp .rg-emp-k { color: #84cc16; }
.rg-emp p { color: #fff !important; font-size: 1.1rem !important; font-weight: 500; margin: 0 !important; line-height: 1.6 !important; }

/* Wen betrifft das */
.rg-wen { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.rg-wen-card { border: 1px solid #e5e7eb; border-radius: 14px; padding: 18px; }
.rg-wen-card p { font-size: 0.92rem !important; line-height: 1.6 !important; margin: 0 !important; color: #374151 !important; }

/* FAQ */
.rg-faq-item { border-bottom: 1px solid #e5e7eb; }
.rg-faq-item summary { cursor: pointer; list-style: none; padding: 16px 32px 16px 0; font-weight: 600; font-size: 1.02rem; position: relative; }
.rg-faq-item summary::-webkit-details-marker { display: none; }
.rg-faq-item summary::after { content: '+'; position: absolute; right: 4px; top: 13px; font-size: 1.4rem; color: #65a30d; font-weight: 400; }
.rg-faq-item[open] summary::after { content: '–'; }
.rg-faq-a p { color: #374151 !important; }

/* Quellen */
.rg-src ol { padding-left: 1.2rem; font-size: 0.86rem; }
.rg-src li { font-size: 0.86rem !important; line-height: 1.55 !important; margin-bottom: 6px; word-break: break-word; }
.rg-src li span { color: #6b7280; }
.rg-disclaimer { font-size: 0.8rem !important; color: #6b7280 !important; margin-top: 18px !important; }

/* CTA */
.rg-cta { background: #1a1a1a; padding: 72px 6%; text-align: center; margin-top: 56px; }
.rg-cta h2 { color: #fff; font-size: clamp(1.7rem, 3vw, 2.4rem); font-weight: 700; margin: 0 0 12px; }
.rg-cta p { color: rgba(255,255,255,0.7); max-width: 560px; margin: 0 auto 26px; line-height: 1.7; }
.rg-cta-btns { display: flex; gap: 22px; justify-content: center; align-items: center; flex-wrap: wrap; }
.rg-cta-link { color: #84cc16; font-weight: 600; text-decoration: none; padding: 12px 0; }
.rg-cta-link:hover { color: #fff; }

/* Karten */
.rg-more { padding: 64px 6%; background: #f8f8f6; }
.rg-more-in, .rg-list-in { max-width: 1120px; margin: 0 auto; }
.rg-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 22px; }
.rg-card { display: flex; flex-direction: column; gap: 10px; background: #fff; border: 1px solid #e5e7eb; border-radius: 16px; padding: 22px 22px 20px; text-decoration: none; color: #1a1a1a; transition: transform .3s cubic-bezier(.22,1,.36,1), box-shadow .3s, border-color .3s; }
.rg-card:hover { transform: translateY(-4px); box-shadow: 0 12px 36px rgba(132,204,22,0.12); border-color: rgba(132,204,22,0.4); }
.rg-card-k { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: #65a30d; }
.rg-card-t { font-family: 'Playfair Display', serif; font-size: 1.15rem; font-weight: 700; line-height: 1.3; }
.rg-card-p { font-size: 0.88rem; line-height: 1.6; color: #4b5563; flex: 1; }
.rg-card-m { font-size: 0.85rem; font-weight: 600; color: #65a30d; }

/* Hub */
.rg-hub-hero { background: #f8f8f6; padding: 120px 6% 72px; }
.rg-hub-hero-in { max-width: 1120px; margin: 0 auto; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 64px; align-items: center; }
.rg-hub-hero h1 { font-size: clamp(2.3rem, 4.5vw, 3.4rem); font-weight: 700; line-height: 1.08; margin: 10px 0 14px; }
.rg-hub-sub { font-size: 1.1rem; font-weight: 600; margin-bottom: 10px; }
.rg-hub-hero p { line-height: 1.75; color: #4b5563; margin-bottom: 24px; max-width: 54ch; }
.rg-hub-img img { width: 100%; height: 400px; object-fit: cover; object-position: center 15%; border-radius: 24px; box-shadow: 0 20px 60px rgba(0,0,0,0.1); }
.rg-fristen { background: #1a1a1a; padding: 72px 6%; }
.rg-fristen-in { max-width: 1000px; margin: 0 auto; }
.rg-fristen h2 { color: #fff; font-size: clamp(1.8rem, 3.2vw, 2.5rem); font-weight: 700; margin: 8px 0 26px; }
.rg-fristen h2 em { color: #84cc16; }
.rg-frist-list { list-style: none; padding: 0; margin: 0; }
.rg-frist { display: grid; grid-template-columns: 210px 1fr; gap: 28px; padding: 22px 0; border-top: 1px solid rgba(255,255,255,0.12); }
.rg-frist-d { font-family: 'Playfair Display', serif; color: #84cc16; font-size: 1.2rem; }
.rg-frist > div > b { color: #fff; display: block; margin-bottom: 4px; }
.rg-frist p b { color: #fff; }
.rg-frist p { color: rgba(255,255,255,0.72); line-height: 1.65; margin: 0 0 6px; font-size: 0.95rem; }
.rg-frist a { color: #84cc16; font-weight: 600; font-size: 0.9rem; text-decoration: none; display: inline-block; padding: 10px 0; margin: -6px 0 -10px; }
.rg-list { padding: 72px 6%; background: #fff; }
.rg-list h2 { font-size: clamp(1.8rem, 3.2vw, 2.5rem); font-weight: 700; margin: 8px 0 18px; }
.rg-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.rg-chip { font: 500 0.85rem 'Instrument Sans', sans-serif; border: 1px solid #e5e7eb; background: #fff; color: #1a1a1a; border-radius: 100px; padding: 10px 16px; cursor: pointer; min-height: 44px; }
.rg-chip.is-on { background: #1a1a1a; color: #fff; border-color: #1a1a1a; }

@media (max-width: 1000px) {
  .rg-layout { grid-template-columns: 1fr; gap: 0; padding-top: 36px; }
  .rg-toc { position: static; background: #f8f8f6; border-radius: 14px; padding: 18px 20px; margin-bottom: 26px; }
  .rg-wen, .rg-grid { grid-template-columns: 1fr; }
  .rg-hub-hero-in { grid-template-columns: 1fr; gap: 32px; }
  .rg-hub-img img { height: 320px; }
  .rg-frist { grid-template-columns: 1fr; gap: 6px; }
}
@media (min-width: 640px) and (max-width: 1000px) { .rg-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) {
  .rg-table { font-size: 0.82rem; }
  .rg-table th, .rg-table td { padding: 8px 6px; }
  .rg-table td:not(:first-child), .rg-table th:not(:first-child) { white-space: nowrap; }
  .rg-table td:first-child { min-width: 7.5em; }
  .rg-hero { padding: 108px 5% 40px; }
  .rg-layout, .rg-more, .rg-list, .rg-fristen, .rg-cta { padding-left: 5%; padding-right: 5%; }
  .rg-emp { padding: 22px; }
  .rg-hub-hero { padding: 104px 5% 56px; }
}

/* ── v3: Sparten + Finanztip-Bausteine ───────────────────────────────────── */
.rg-crumbs .rg-sep { color: #9ca3af; }
.rg-crumbs span[aria-current] { color: #1a1a1a; }
.rg-byline { display: flex; gap: 12px; align-items: center; margin-top: 20px; font-size: 0.84rem; color: #6b7280; line-height: 1.5; }
.rg-byline img { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; object-position: center top; border: 2px solid rgba(132,204,22,0.35); flex-shrink: 0; }
.rg-byline a { color: #1a1a1a; font-weight: 600; text-decoration: none; }
.rg-todo { margin-top: 14px; border: 1px solid #e5e7eb; border-radius: 16px; padding: 20px 24px; }
.rg-todo ol { margin: 0 0 8px; padding-left: 1.2rem; }
.rg-todo li { margin-bottom: 4px; font-weight: 500; }
.rg-todo a { font-size: 0.88rem; text-decoration: none; }
.rg-ask { display: flex; gap: 16px; align-items: flex-start; margin-top: 14px; background: #f8f8f6; border-radius: 16px; padding: 18px 20px; }
.rg-ask img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; object-position: center top; flex-shrink: 0; }
.rg-ask b { font-family: 'Playfair Display', serif; font-size: 1.1rem; }
.rg-ask p { margin: 4px 0 10px !important; font-size: 0.92rem !important; color: #374151 !important; }
.rg-ask-btns { display: flex; flex-wrap: wrap; gap: 8px 18px; align-items: center; }
.rg-ask-a { background: #84cc16; color: #0a0a0a !important; padding: 10px 18px; border-radius: 100px; text-decoration: none; font-weight: 600; font-size: 0.88rem; min-height: 44px; display: inline-flex; align-items: center; }
.rg-ask-a:hover { background: #65a30d; }
.rg-ask-b { font-size: 0.88rem; text-decoration: none; padding: 12px 0; color: #65a30d; font-weight: 600; }
.rg-tipp { display: flex; gap: 16px; align-items: flex-start; margin: 34px 0 0; padding: 22px 24px; border-left: 3px solid #84cc16; background: #f0fdf4; border-radius: 0 16px 16px 0; }
.rg-tipp img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; object-position: center top; flex-shrink: 0; }
.rg-tipp blockquote { margin: 0; }
.rg-tipp blockquote p { font-family: 'Playfair Display', serif; font-size: 1.12rem !important; line-height: 1.5 !important; font-style: italic; margin: 0 0 8px !important; }
.rg-tipp figcaption { font-size: 0.8rem; color: #6b7280; }
.rg-frage { margin-top: 40px; scroll-margin-top: 90px; }
.rg-frage .lead-card { padding: 28px; }
.rg-frage-h { font-family: 'Playfair Display', serif; font-size: 1.45rem; margin: 0 0 16px; }
.rg-offen { font-size: 0.78rem !important; color: rgba(255,255,255,0.5) !important; margin: 22px auto 0 !important; max-width: 620px; }
.rg-more h2 { font-family: 'Playfair Display', serif; font-size: clamp(1.5rem, 2.6vw, 2rem); margin: 8px 0 16px; }
.rg-cluster { list-style: none; padding: 0; margin: 0 0 14px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 28px; }
.rg-cluster li { border-bottom: 1px solid #e5e7eb; }
.rg-cluster a { display: block; padding: 13px 0; color: #1a1a1a; text-decoration: none; font-weight: 500; }
.rg-cluster a:hover { color: #65a30d; }
.rg-hub-link { display: inline-block; color: #65a30d; font-weight: 600; text-decoration: none; padding: 12px 0; }
.rg-more-k { display: block; font-size: 0.68rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: #6b7280; margin: 28px 0 10px; }
a.rg-chip { text-decoration: none; display: inline-flex; align-items: center; }
.rg-sp-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; margin-top: 22px; }
.rg-sp { border: 1px solid #e5e7eb; border-radius: 18px; padding: 22px 22px 16px; display: flex; flex-direction: column; background: #fff; }
.rg-sp-h { font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; color: #1a1a1a; text-decoration: none; display: flex; flex-wrap: wrap; align-items: center; gap: 8px; }
.rg-sp-h:hover { color: #65a30d; }
.rg-badge { font: 600 0.62rem 'Instrument Sans', sans-serif; letter-spacing: 0.1em; text-transform: uppercase; background: #ecfccb; color: #3f6212; padding: 3px 8px; border-radius: 100px; font-style: normal; }
.rg-sp ul { list-style: none; padding: 0; margin: 12px 0; flex: 1; }
.rg-sp li a { display: block; padding: 8px 0; color: #374151; text-decoration: none; font-size: 0.92rem; border-bottom: 1px solid #f1f2ee; }
.rg-sp li a:hover { color: #65a30d; }
.rg-sp-all { color: #65a30d; font-weight: 600; font-size: 0.88rem; text-decoration: none; padding: 10px 0; }
.rg-shero { background: #f8f8f6; padding: 128px 6% 52px; }
.rg-shero-in { max-width: 1120px; margin: 0 auto; }
.rg-shero h1 { font-family: 'Playfair Display', serif; font-size: clamp(2.2rem, 4.5vw, 3.3rem); line-height: 1.1; margin: 10px 0 16px; letter-spacing: -0.02em; }
.rg-shero h1 em { color: #65a30d; font-style: italic; }
.rg-shero .rg-meta a { color: #65a30d; }
.rg-fristen-s { padding: 44px 6%; }
.rg-grid-s { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: 900px; }
.rg-card-main { grid-column: span 2; background: #f0fdf4; border-color: rgba(132,204,22,0.35); }
.rg-card-main .rg-card-t { font-size: 1.45rem; }
.rg-s-ask { max-width: 720px; margin-top: 28px; }
.rg-vorlage { position: relative; margin: 8px 0 14px; }
.rg-vorlage pre { white-space: pre-wrap; font: 0.88rem/1.6 'Instrument Sans', sans-serif; background: #f8f8f6; border: 1px dashed #d1d5db; border-radius: 14px; padding: 20px; margin: 0; color: #1a1a1a; }
.rg-copy { margin-top: 10px; font: 600 0.88rem 'Instrument Sans', sans-serif; background: #1a1a1a; color: #fff; border: 0; border-radius: 100px; padding: 12px 20px; cursor: pointer; min-height: 44px; }
.rg-copy:focus-visible, .rg-chip:focus-visible, .rg-ask-a:focus-visible { outline: 3px solid #84cc16; outline-offset: 2px; }
@media (max-width: 1000px) {
  .rg-sp-grid, .rg-grid-s { grid-template-columns: 1fr; }
  .rg-card-main { grid-column: auto; }
  .rg-cluster { grid-template-columns: 1fr; }
}
@media (min-width: 640px) and (max-width: 1000px) { .rg-sp-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 640px) { .rg-grid-s { grid-template-columns: repeat(2, minmax(0, 1fr)); } .rg-card-main { grid-column: 1 / -1; } }
@media (max-width: 600px) {
  .rg-shero { padding: 108px 5% 40px; }
  .rg-tipp { padding: 18px; gap: 12px; }
  .rg-tipp img { width: 48px; height: 48px; }
  .rg-frage .lead-card { padding: 20px; }
  .rg-frage .lead-grid { grid-template-columns: 1fr; }
}