:root{--navy:#122b37;--ink:#18323d;--gold:#d8bb7a;--paper:#faf9f6;--sand:#efece5;--muted:#56636a;--line:#d9dedb;--white:#fff;--serif:Georgia,'Times New Roman',serif;--sans:system-ui,-apple-system,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.65}button,input,a{-webkit-tap-highlight-color:transparent}button,input{font:inherit}button,a{touch-action:manipulation}button{cursor:pointer}a{color:inherit;text-decoration:none}button{color:inherit}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #9a741e;outline-offset:5px}button:disabled{cursor:default}button[hidden],[hidden]{display:none!important}.skip{position:fixed;top:-100px;left:20px;background:white;padding:12px;z-index:200}.skip:focus{top:10px}.header{height:108px;padding:0 6%;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #dfe1db;background:var(--paper);position:relative;z-index:20}.brand{display:flex;align-items:center;gap:13px;font-family:var(--sans);font-size:22px;font-weight:800;letter-spacing:-1px;line-height:1.1}.brand-light{font-weight:500}.brand small{display:block;font-family:var(--sans);font-size:10px;letter-spacing:2px;font-weight:500;margin-top:9px}.brand-mark{font:56px/.8 var(--serif);letter-spacing:-7px;padding-right:7px;border-right:1px solid #cfcdc5;width:49px}.brand-mark span{color:#a7833c}.header nav{display:flex;align-items:center;gap:34px;font-size:14px;font-weight:500}.header nav>a{position:relative}.header nav>a:after{content:'';height:1px;background:var(--ink);position:absolute;left:0;right:100%;bottom:-5px;transition:right .2s}.header nav>a:hover:after{right:0}.button{border:1px solid var(--navy);background:var(--navy);color:white;display:inline-flex;align-items:center;justify-content:center;gap:30px;padding:17px 23px;border-radius:3px;font-weight:600;font-size:15px;line-height:1.4;transition:background .2s,transform .2s}.button:hover{background:#244854;transform:translateY(-2px)}.button span{font-size:22px;line-height:1}.button-small{padding:13px 19px;font-size:14px;gap:23px}.button-gold{background:var(--gold);border-color:var(--gold);color:var(--navy)}.button-gold:hover{background:#e7ca8a}.menu-toggle{display:none}.hero{max-width:1600px;margin:auto;display:grid;grid-template-columns:1.1fr 1fr;padding:58px 9% 58px 9%;gap:7%;min-height:655px;align-items:center}.eyebrow{font-size:12px;letter-spacing:2px;line-height:1.5;font-weight:650;margin:0 0 24px;display:flex;gap:12px;align-items:center}.line{width:29px;height:1px;background:#a28248}.hero h1{font-family:var(--sans);font-weight:500;font-size:clamp(44px,4.35vw,70px);line-height:1.1;letter-spacing:-3px;margin:0 0 26px}.hero h1 em{font-family:var(--serif);font-weight:400;color:#86682e;letter-spacing:-2px}.hero-description{max-width:460px;color:var(--muted);font-size:17px;line-height:1.8;margin:0 0 28px}.hero-actions{display:flex;align-items:center;gap:28px;flex-wrap:wrap}.text-link{font-size:14px;font-weight:600;background:none;border:0;border-bottom:1px solid currentColor;padding:7px 0;display:inline-flex;gap:20px;align-items:center}.text-link:hover{color:#967027}.text-link span{font-size:20px}.micro{font-size:13px;color:var(--muted);margin:18px 0 0}.hero-visual{position:relative;padding:0 25px 12px 0;max-width:430px;justify-self:end;width:100%}.portrait-frame{height:505px;position:relative;overflow:hidden;border-radius:140px 3px 3px 3px;background:#c5c6c0}.portrait-frame>img{width:100%;height:100%;object-fit:cover;object-position:50% 36%;display:block}.portrait-frame:after{content:'';position:absolute;inset:50% 0 0;background:linear-gradient(transparent,rgba(7,24,34,.95))}.portrait-caption{position:absolute;z-index:1;bottom:30px;left:32px;color:white}.portrait-caption>span{font-size:10px;letter-spacing:2px;color:#ded4bd}.portrait-caption strong{display:block;font-size:25px;font-family:var(--sans);font-weight:500;margin:4px 0}.portrait-caption p{font-size:14px;margin:0;color:#ddd}.personal-note{position:absolute;bottom:139px;left:-47px;background:var(--paper);padding:17px 24px;display:flex;gap:16px;align-items:center;box-shadow:0 8px 35px #122b3710;border:1px solid #e4e1d9;z-index:2}.personal-note>span{font-size:29px;color:#a28248}.personal-note p{font-size:13px;line-height:1.6;margin:0}.personal-note strong{font-weight:600}.vertical-label{position:absolute;right:0;top:44px;writing-mode:vertical-rl;font-size:9px;letter-spacing:2.5px}.principles{border-top:1px solid var(--line);border-bottom:1px solid var(--line);display:flex;justify-content:space-between;padding:24px 9%;gap:24px;font-size:14px}.principles b{color:#9c8049;font-size:12px;font-weight:500;margin-right:15px}.section{padding:90px 9%;max-width:1600px;margin:auto}.section-heading{display:flex;justify-content:space-between;gap:40px;align-items:end;margin-bottom:37px}.section-heading h2,h2{font-family:var(--sans);font-size:clamp(28px,2.8vw,43px);line-height:1.25;letter-spacing:-1.5px;font-weight:500;margin:0}.section-heading .eyebrow{margin-bottom:16px}.section-heading>p{color:var(--muted);font-size:15px;max-width:335px;margin:0 0 3px}.audience-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.audience-card{padding:38px 38px 32px;border-radius:3px;display:flex;flex-direction:column;align-items:start}.private{background:var(--sand)}.business{background:var(--navy);color:white}.card-number{font-size:11px;letter-spacing:2px;color:#725e36;font-weight:600}.business .card-number{color:var(--gold)}h3{font-family:var(--sans);letter-spacing:-.7px;font-size:25px;font-weight:500;line-height:1.4}.audience-card h3{margin:28px 0 14px}.audience-card p{font-size:15px;margin:0 0 23px;max-width:370px;color:var(--muted)}.business p{color:#d0dadc}.audience-card .text-link{margin-top:auto}.business .text-link:hover{color:var(--gold)}footer{padding:38px 9%;background:var(--navy);color:white;display:flex;gap:25px;justify-content:space-between;align-items:center}footer p,footer small{font-size:13px;color:#c0ccd0}.footer-brand{font-family:var(--sans);font-size:23px;letter-spacing:-1px}.footer-brand span{color:var(--gold)}dialog{border:0;border-radius:6px;padding:0;max-width:720px;width:calc(100% - 30px);max-height:90dvh;color:var(--ink);background:var(--paper)}dialog::backdrop{background:#091b27bd;backdrop-filter:blur(4px)}.dialog-inner{padding:42px}.close-dialog{position:absolute;right:15px;top:10px;width:44px;height:44px;background:none;border:0;font-size:31px}.dialog-inner h2{font-size:31px}.dialog-intro{font-size:14px;color:var(--muted)}fieldset{padding:0;border:0;margin:24px 0}legend{font-weight:600;margin-bottom:12px;font-size:15px}.choice-row,.topic-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px}.choice{position:relative;border:1px solid #ccd2cf;border-radius:3px;background:white;display:flex;align-items:center;padding:12px;gap:9px;font-size:14px;cursor:pointer}.choice:has(input:checked){background:#eee7d6;border-color:#a78b51}.choice input{accent-color:var(--navy);width:16px;height:16px;flex-shrink:0}.field-error{font-size:14px;color:#a02525}.result-icon{font-size:30px;color:#45664c;background:#e5ecdf;width:55px;height:55px;text-align:center;border-radius:50%;margin-top:30px}.summary{white-space:pre-line;background:var(--sand);padding:20px;margin:20px 0;border-left:2px solid var(--gold);font-size:15px}.result-actions{display:flex;gap:24px;flex-wrap:wrap}body.modal-open{overflow:hidden}
@media(min-width:1600px){.header,.principles,footer{padding-left:max(9%,calc((100vw - 1312px)/2));padding-right:max(9%,calc((100vw - 1312px)/2))}}
@media(max-width:1000px){.header{padding:0 5%;height:90px}.header nav{gap:20px}.hero{padding:45px 6%;gap:6%}.hero h1{font-size:51px}.portrait-frame{height:475px}.personal-note{left:-25px;padding:13px 17px}.section{padding:65px 6%}.principles{padding:22px 6%}.hero-actions{gap:15px}.hero-description{font-size:16px}}
@media(max-width:760px){html{scroll-padding-top:85px}.header{height:84px;padding:0 6%}.brand{font-size:18px}.brand-mark{font-size:47px;width:39px}.brand small{font-size:8px;letter-spacing:1.7px}.menu-toggle{display:flex;align-items:center;gap:12px;background:none;border:1px solid #c6ccca;border-radius:3px;padding:8px 11px;font-size:14px}.header nav{display:none;position:absolute;top:84px;left:0;right:0;background:var(--paper);padding:24px 6%;border-bottom:1px solid var(--line);box-shadow:0 12px 15px #122b3710}.header nav.open{display:flex;align-items:stretch;flex-direction:column}.hero{grid-template-columns:1fr;padding:38px 7% 35px;gap:33px}.hero h1{font-size:clamp(42px,10vw,66px);letter-spacing:-2px}.hero h1 em{letter-spacing:-1px}.eyebrow{font-size:11px;margin-bottom:20px}.hero-description{max-width:100%}.hero-visual{max-width:500px;padding-right:20px;justify-self:center}.portrait-frame{height:390px;border-top-left-radius:100px}.portrait-frame>img{object-position:50% 31%}.portrait-caption{left:25px;bottom:24px}.personal-note{left:-10px;bottom:118px}.principles{padding:22px 7%;display:grid;gap:12px;font-size:13px}.section{padding:60px 7%}.section-heading{display:block}.section-heading>p{max-width:none;margin-top:20px}.audience-grid{grid-template-columns:1fr;gap:16px}.audience-card{padding:28px}.audience-card h3{font-size:25px}.section-heading h2,h2{letter-spacing:-1px}.dialog-inner{padding:32px 22px}.dialog-inner h2{font-size:27px}.choice-row,.topic-grid{grid-template-columns:1fr}.dialog-intro{font-size:14px}footer{padding:35px 7%;flex-direction:column;align-items:start;gap:4px}footer p{margin:5px 0 20px}.hero-actions .button{padding:16px 20px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}
.services{padding-top:10px}.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:42px;border-top:1px solid var(--line);padding-top:35px}.services-grid article{display:flex;flex-direction:column;align-items:start}.service-icon{font-size:13px;color:#896e38;letter-spacing:1px}.services-grid h3{font-size:23px;margin:17px 0 13px}.services-grid p{font-size:15px;color:var(--muted);margin:0}.services-grid ul{padding:20px 0 20px 17px;font-size:14px;margin:0 0 12px;line-height:2}.services-grid li::marker{color:#a78649}.services-grid .text-link{margin-top:auto}.approach{background:var(--navy);color:white}.approach-inner{max-width:1600px;margin:auto;padding:80px 9%;display:grid;grid-template-columns:1fr 1fr;gap:10%}.approach .eyebrow{color:#d6bc83}.approach h2{font-size:clamp(32px,3.1vw,48px);line-height:1.3}.approach h2 em,.contact h2 em{font-family:var(--serif);font-weight:400;color:var(--gold)}.approach-intro>p:not(.eyebrow){color:#c0cdd1;font-size:15px;max-width:395px;margin:22px 0 28px}.steps article{display:flex;gap:25px;padding:25px 0;border-bottom:1px solid #38505a}.steps article:first-child{padding-top:0}.steps article:last-child{border-bottom:0;padding-bottom:0}.steps article>span{color:#d6bc83;font-family:var(--serif);font-size:25px;margin-top:2px}.steps h3{font-size:21px;margin:0 0 12px}.steps p{font-size:15px;line-height:1.8;color:#bdccd0;margin:0}.about{display:grid;grid-template-columns:.65fr 1fr;gap:13%;padding-top:105px;padding-bottom:90px}.large-initial{font:230px/.9 var(--serif);color:#d8c8a5;display:block;margin-top:35px;letter-spacing:-20px}.about-copy>p{font-size:16px;color:var(--muted);margin:20px 0}.about-copy .about-lead{font-size:20px;line-height:1.65;color:var(--ink);margin-top:25px}.signature{margin:25px 0 22px}.signature>span{font:italic 28px var(--serif);display:block}.signature small{font-size:12px;color:var(--muted);display:block;margin-top:7px}.faq{padding-top:20px;padding-bottom:85px;display:grid;grid-template-columns:1fr 1fr;gap:8%}.faq h2{font-size:32px}.faq details{border-bottom:1px solid var(--line);padding:20px 0}.faq details:first-child{border-top:1px solid var(--line)}.faq summary{font-size:15px;font-weight:600;cursor:pointer;list-style:none;position:relative;padding-right:28px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:'+';position:absolute;right:2px;font-size:24px;line-height:1}.faq details[open] summary:after{content:'−'}.faq details p{font-size:14px;color:var(--muted);margin:16px 0 0}.contact{background:#1d3c49;color:white;padding:65px 9%;display:flex;align-items:center;justify-content:space-between;gap:40px}.contact .eyebrow{color:var(--gold)}.contact h2{font-size:clamp(32px,3.2vw,47px);line-height:1.2}.contact>div>p:not(.eyebrow){color:#c3d0d4;font-size:16px;margin:20px 0 25px}.contact-details{display:flex;flex-direction:column;align-items:start}.contact-details>span{font-size:10px;letter-spacing:1.6px;color:#c3d0d4;margin-bottom:16px}.contact-details>a{font-size:31px;letter-spacing:-1px}.contact-details>a:hover{color:var(--gold)}.contact-details>.email-link{font-size:19px;letter-spacing:0;border-bottom:1px solid #617981;margin-top:8px;overflow-wrap:anywhere}.contact-details>p{font-size:12px!important}footer{gap:25px}.footer-links{display:flex;gap:25px;align-items:center;font-size:13px}.legal-button{border:0;padding:8px 0;color:inherit;background:none;font-size:13px}.footer-links a:hover,.legal-button:hover{color:var(--gold)}#legal-content{font-size:15px;color:var(--muted);margin-top:25px}#legal-content strong{color:var(--ink)}#legal-content a{border-bottom:1px solid currentColor}.draft-notice{padding:15px;background:var(--sand);border-left:2px solid var(--gold)}
@media(max-width:1000px){.approach-inner{padding:65px 6%;gap:7%}.services-grid{gap:25px}.about{gap:8%}.contact{padding:60px 6%;gap:30px}.contact-details>a{font-size:25px}.contact-details>.email-link{font-size:16px}.footer-links{gap:15px}footer{flex-wrap:wrap}}
@media(max-width:760px){.services{padding-top:5px}.services-grid{grid-template-columns:1fr;gap:30px}.services-grid article{border-bottom:1px solid var(--line);padding-bottom:25px}.services-grid article:last-child{border-bottom:0;padding-bottom:0}.services-grid ul{padding-top:14px;padding-bottom:8px}.approach-inner{padding:60px 7%;grid-template-columns:1fr;gap:48px}.approach h2{font-size:36px}.steps article{gap:20px}.about{grid-template-columns:1fr;gap:10px;padding-top:60px;padding-bottom:55px}.large-initial{display:none}.about-label .eyebrow{margin-bottom:10px}.about-copy .about-lead{font-size:19px}.faq{grid-template-columns:1fr;gap:30px;padding-top:10px;padding-bottom:55px}.faq h2{font-size:29px}.contact{display:block;padding:50px 7%}.contact-details{margin-top:45px;padding-top:25px;border-top:1px solid #516771}.contact-details>a{font-size:28px}.contact-details>.email-link{font-size:18px}.footer-links{gap:24px;margin-bottom:20px}footer{align-items:start}.result-actions{gap:14px}.result-actions>.button{width:100%}}



/* Personal profile: a quiet marginal note beside the biography. */
.about{grid-template-columns:.72fr 1fr;gap:10%;align-items:start}
.about-name{font-size:clamp(45px,5vw,70px);line-height:1.05;letter-spacing:-2px;margin-top:28px}
.about-name em{font-family:var(--serif);font-weight:400;color:#86682e}
.about-location{font-size:16px;color:var(--muted);margin:22px 0 0}
.personal-detail{border-top:1px solid #ccb98e;margin-top:40px;padding-top:23px;max-width:290px}
.personal-detail>span{font-size:12px;font-weight:600;letter-spacing:1px}
.personal-detail p{font-size:16px;line-height:1.8;color:var(--muted);margin:12px 0 0}
.about-copy>p{line-height:1.85}.personal-note a:hover{color:#86682e}
@media(max-width:760px){.about{grid-template-columns:1fr;gap:36px}.about-label{display:grid;grid-template-columns:1fr;gap:0}.about-name{font-size:46px;margin-top:8px}.personal-detail{margin-top:24px;max-width:none}.about-copy h2{font-size:29px}.hero h1{font-size:clamp(38px,9.7vw,64px)}}


/* Life and business topics, with compact insurance details. */
.risk-topics{padding-top:10px}.audience-switch{display:flex;gap:10px;flex-wrap:wrap;margin:28px 0}.audience-switch button{font-size:16px;padding:14px 22px;border:1px solid var(--line);border-radius:3px;background:transparent}.audience-switch button[aria-pressed="true"]{background:var(--navy);color:white;border-color:var(--navy)}.topic-group-title{font-size:22px;margin:28px 0 20px}.risk-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 36px}.risk-card{border-top:1px solid var(--line);padding:24px 0;min-width:0}.risk-card h3{font-size:23px;margin:0 0 10px}.risk-card>p{font-size:16px;color:var(--muted);margin:0 0 16px;max-width:540px}.risk-card summary{font-size:15px;font-weight:600;cursor:pointer;padding:6px 0;list-style:none;display:flex;justify-content:space-between;gap:14px}.risk-card summary::-webkit-details-marker{display:none}.risk-card summary:after{content:'+';font-size:22px;line-height:1.2;color:#86682e}.risk-card details[open] summary:after{content:'−'}.risk-card ul{padding-left:20px;margin:12px 0 16px;font-size:16px}.risk-card li{margin:7px 0}.risk-card li::marker{color:#86682e}.coverage-note{font-size:14px;color:var(--muted);border-top:1px solid var(--line);padding-top:22px;margin-top:12px}.additional-topics{font-size:16px;margin:24px 0 0}.additional-topics .text-link{font-size:16px}
@media(max-width:760px){.risk-grid{grid-template-columns:1fr}.audience-switch{display:grid;grid-template-columns:1fr;width:100%}.audience-switch button{text-align:left}.risk-card{padding:22px 0}.risk-card h3{font-size:22px}.risk-topics{padding-top:5px}}

/* Top-level audience choice and compact topic cards. */
.header{gap:26px;padding-left:5%;padding-right:5%}.header nav{gap:24px}.top-audience{margin:0;padding:4px;background:#eaece8;border:1px solid #d9dedb;border-radius:6px;flex-wrap:nowrap;gap:3px}.top-audience button{padding:9px 20px;font-size:15px;border:0;border-radius:3px;min-width:77px}.top-audience button[aria-pressed="true"]{background:var(--navy);color:white;box-shadow:0 2px 5px #122b3720}.risk-topics{padding-top:72px;padding-bottom:80px}.risk-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;align-items:start}.risk-card{background:#fff;border:1px solid #e0e3df;border-radius:8px;padding:25px 24px 20px;min-height:290px;position:relative;box-shadow:0 4px 18px #122b3704;transition:border-color .2s,box-shadow .2s}.risk-card:hover,.risk-card:focus-within{border-color:#b49a63;box-shadow:0 6px 24px #122b370a}.risk-index{display:block;font-size:14px;color:#806329;font-weight:600;letter-spacing:1px;margin-bottom:22px}.risk-card h3{font-size:22px;letter-spacing:-.5px;line-height:1.3;margin-bottom:12px;min-height:58px}.risk-card>p{font-size:16px;line-height:1.6;margin-bottom:20px}.risk-card details{border-top:1px solid #e6e8e3;padding-top:10px}.risk-card summary{font-size:14px;min-height:36px;align-items:center}.risk-card ul{font-size:15px;line-height:1.65}.risk-card details[open]{margin-top:6px}.coverage-note{border:0;margin-top:24px;padding-top:0;max-width:880px}.risk-card .text-link{font-size:14px}#topics-unternehmen .risk-index{color:#456d73}
@media(max-width:1150px){.header{gap:16px}.header nav{gap:16px}.header .brand{font-size:19px}.top-audience button{padding:9px 14px;min-width:65px}.header nav .button{gap:10px}.risk-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.risk-card{min-height:270px}}
@media(max-width:900px) and (min-width:761px){.header{flex-wrap:wrap;height:auto;padding-top:18px;padding-bottom:18px}.header nav{width:100%;justify-content:flex-end}.top-audience{margin-left:auto}}
@media(max-width:760px){.header{display:grid;grid-template-columns:1fr auto;height:auto;gap:17px;padding:20px 7% 15px}.header .brand{font-size:18px}.menu-toggle{grid-column:2;grid-row:1}.top-audience{grid-column:1/-1;grid-row:2;display:flex;width:100%;margin:0;padding:4px}.top-audience button{width:50%;text-align:center;padding:10px 16px;font-size:16px}.header nav{top:100%;z-index:30}.hero{padding-top:30px}.risk-topics{padding-top:48px}.risk-grid{grid-template-columns:1fr;gap:14px}.risk-card{padding:23px 24px;min-height:0}.risk-index{margin-bottom:12px}.risk-card h3{min-height:0;font-size:24px}.risk-card>p{margin-bottom:16px}.risk-card summary{font-size:15px}.risk-card ul{font-size:16px}}