:root{--navy:#073b68;--navy-deep:#062b4c;--blue:#56799e;--gold:#ffbd00;--gold-soft:#fff3c7;--ink:#132b42;--muted:#5b6f82;--paper:#f7f8fa;--white:#fff;--line:#dce3e9;--radius:24px;--shadow:0 24px 70px rgba(6,43,76,.12);font-family:Inter,"Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--paper);scroll-behavior:smooth}*{box-sizing:border-box}body{margin:0;line-height:1.65}a{color:inherit}img{max-width:100%}.wrap{width:min(1160px,calc(100% - 40px));margin-inline:auto}.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;z-index:99;background:#fff;padding:12px}.topbar{background:var(--navy-deep);color:#eaf1f7;font-size:.82rem}.topbar .wrap{display:flex;justify-content:space-between;gap:20px;padding:9px 0}.topbar a{color:#fff;text-decoration:none}.site-header{background:rgba(255,255,255,.96);border-bottom:1px solid #e7ebef;position:sticky;top:0;z-index:10;backdrop-filter:blur(12px)}.nav{min-height:88px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand img{display:block;width:min(320px,42vw);height:auto}.navlinks{display:flex;align-items:center;gap:25px;font-size:.95rem}.navlinks a{text-decoration:none;color:var(--navy-deep);font-weight:650}.navlinks a:hover,.text-link:hover{color:#a77700}.nav-cta,.button{border:0;border-radius:999px;display:inline-flex;align-items:center;justify-content:center;padding:13px 21px;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;transition:transform .18s,background .18s;cursor:pointer}.nav-cta:hover,.button:hover{background:var(--navy-deep);transform:translateY(-2px)}.button.gold{background:var(--gold);color:var(--navy-deep)}.button.gold:hover{background:#f0ae00}.button.outline{background:transparent;border:1px solid #97aec2;color:#fff}.button.outline:hover{background:rgba(255,255,255,.1)}.hero{position:relative;overflow:hidden;background:var(--navy-deep);color:#fff;padding:82px 0 90px}.hero:before{content:"";position:absolute;width:580px;height:580px;right:-150px;top:-230px;border:1px solid rgba(255,255,255,.16);border-radius:50%;box-shadow:0 0 0 65px rgba(255,255,255,.04),0 0 0 130px rgba(255,255,255,.025)}.hero-grid{position:relative;display:grid;grid-template-columns:1.35fr .65fr;gap:55px;align-items:center}.eyebrow{font-size:.78rem;text-transform:uppercase;letter-spacing:.16em;font-weight:800;color:#d3e2f0}.eyebrow.gold{color:#956900}.hero h1{font-size:clamp(2.55rem,5.8vw,5.2rem);line-height:1.02;letter-spacing:-.045em;margin:16px 0 22px;max-width:780px}.hero h1 span{color:var(--gold)}.hero-copy{font-size:1.17rem;color:#dce8f2;max-width:670px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:31px}.hero-card{padding:30px;background:#fff;color:var(--ink);border-radius:var(--radius);box-shadow:var(--shadow);position:relative}.hero-card:before{content:"";position:absolute;width:58px;height:8px;top:0;left:30px;background:var(--gold);border-radius:0 0 8px 8px}.hero-card .mark{color:var(--blue);font-size:.82rem;font-weight:800;text-transform:uppercase;letter-spacing:.12em}.hero-card strong{font-family:Georgia,serif;font-weight:500;display:block;font-size:1.55rem;line-height:1.24;margin:12px 0}.hero-card p{color:var(--muted);margin-bottom:0}.hero-card .reg{border-top:1px solid var(--line);padding-top:14px;margin-top:20px;font-size:.85rem;color:var(--muted)}.section{padding:82px 0}.section.white{background:#fff}.section.navy{background:#eff3f7}.section-head{max-width:760px;margin-bottom:40px}.section h2{font-size:clamp(2rem,4vw,3.4rem);letter-spacing:-.035em;line-height:1.09;color:var(--navy-deep);margin:10px 0 14px}.section-head p{color:var(--muted);font-size:1.08rem;margin:0}.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;min-height:250px;position:relative;overflow:hidden}.card:after{content:"";position:absolute;width:90px;height:90px;right:-32px;bottom:-38px;border:14px solid var(--gold-soft);border-radius:50%}.card .num{display:inline-grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--gold-soft);color:var(--navy);font-weight:800}.card h3{font-size:1.45rem;margin:20px 0 8px;color:var(--navy-deep)}.card p{color:var(--muted);margin:0;max-width:460px}.feature-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:62px;align-items:center}.local-art{min-height:390px;border-radius:30px;background:linear-gradient(145deg,#e9eef4,#f9fafb);position:relative;overflow:hidden;padding:34px;display:flex;align-items:flex-end}.local-art:before,.local-art:after{content:"";position:absolute;border-radius:50%;border:1px solid rgba(7,59,104,.18)}.local-art:before{width:420px;height:420px;top:-180px;left:-90px;box-shadow:0 0 0 40px rgba(7,59,104,.025),0 0 0 82px rgba(7,59,104,.025)}.local-art:after{width:230px;height:230px;right:-70px;bottom:-80px;border:32px solid rgba(255,189,0,.16)}.local-pin{z-index:1;background:var(--navy);color:#fff;padding:23px 25px;border-radius:18px;box-shadow:var(--shadow);max-width:310px}.local-pin small{color:#d5e4f1;letter-spacing:.12em;text-transform:uppercase;font-weight:700}.local-pin strong{display:block;font:1.6rem Georgia,serif;margin-top:5px}.local-pin p{margin:6px 0 0;color:#eaf1f7}.benefits{list-style:none;padding:0;margin:27px 0}.benefits li{position:relative;padding:0 0 15px 34px}.benefits li:before{content:"";position:absolute;left:0;top:6px;width:18px;height:18px;background:var(--gold);border-radius:50%;box-shadow:inset 0 0 0 5px #fff}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.step{border-top:3px solid var(--gold);padding:22px 8px 0 0}.step span{font-size:.78rem;font-weight:800;color:var(--blue);letter-spacing:.12em}.step h3{font-size:1.2rem;color:var(--navy-deep);margin:9px 0}.step p{color:var(--muted);margin:0}.cta-band{background:var(--navy);color:#fff;border-radius:30px;padding:42px;display:flex;align-items:center;justify-content:space-between;gap:28px}.cta-band h2{color:#fff;font-size:clamp(1.8rem,3vw,2.7rem);margin:0 0 8px}.cta-band p{color:#d9e4ee;margin:0}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px}.contact-details{display:grid;gap:18px}.contact-item{display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:start}.contact-icon{width:44px;height:44px;border-radius:50%;background:var(--gold-soft);display:grid;place-items:center;color:var(--navy);font-weight:900}.contact-item strong{display:block;color:var(--navy-deep)}.contact-item a{text-decoration:none;color:var(--muted)}.contact-panel{padding:30px;border-radius:var(--radius);background:var(--paper);border:1px solid var(--line)}.contact-panel h3{margin-top:0;color:var(--navy-deep)}.contact-panel p{color:var(--muted)}.contact-panel .button{width:100%;margin-top:10px}.site-footer{background:#061f36;color:#d7e2ec;padding:44px 0 22px}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:50px}.footer-brand{width:min(300px,70vw);background:#fff;padding:8px;border-radius:8px;margin-bottom:14px}.site-footer p{color:#b9c9d8;max-width:560px}.footer-nav{display:flex;gap:18px;flex-wrap:wrap;align-content:start;justify-content:flex-end}.footer-nav a{color:#fff;text-decoration:none}.footer-bottom{border-top:1px solid rgba(255,255,255,.16);margin-top:30px;padding-top:15px;color:#9eb2c5;font-size:.86rem;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.page-hero{padding:60px 0;background:var(--navy-deep);color:#fff}.page-hero h1{font-size:clamp(2.4rem,5vw,4rem);line-height:1.05;margin:10px 0}.legal{max-width:850px;margin:auto;padding:56px 0 90px}.legal h2{font-size:1.4rem;color:var(--navy-deep);margin:2rem 0 .5rem}.legal h3{font-size:1.05rem;color:var(--navy-deep);margin:1.5rem 0 .4rem}.legal p,.legal li{color:#43596d}.legal a{color:var(--navy)}.legal blockquote{border-left:4px solid var(--gold);padding:2px 0 2px 18px;margin:1rem 0}.legal ul{padding-left:22px}.crumb{font-size:.9rem}.legal-intro{background:var(--gold-soft);padding:20px;border-radius:14px;margin-bottom:30px}.mobile-menu{display:none} @media(max-width:800px){.nav{min-height:72px}.navlinks{gap:14px}.navlinks a:not(.nav-cta){display:none}.hero{padding:62px 0}.hero-grid,.feature-grid,.contact-grid,.footer-grid{grid-template-columns:1fr}.hero-grid{gap:30px}.hero-card{max-width:540px}.section{padding:60px 0}.local-art{min-height:310px}.footer-nav{justify-content:flex-start}.cta-band{display:block;padding:30px}.cta-band .button{margin-top:22px}.steps{grid-template-columns:1fr}.cards{grid-template-columns:1fr}}@media(max-width:480px){.wrap{width:min(100% - 28px,1160px)}.topbar .wrap{font-size:.72rem}.brand img{width:min(250px,62vw)}.nav-cta{padding:10px 13px;font-size:.82rem}.hero h1{font-size:2.65rem}.hero-copy{font-size:1.02rem}.hero-actions .button{width:100%}.card{padding:24px}.local-art{padding:20px}.local-pin{padding:18px}.legal{padding:38px 0 70px}}
.table-scroll{overflow-x:auto;margin:18px 0}.legal table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}.legal th,.legal td{padding:12px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}.legal th{width:32%;color:var(--navy-deep);background:#f1f5f8;font-weight:700}.legal h4{font-size:1rem;color:var(--navy-deep);margin:1.2rem 0 .4rem}.legal h2{padding-top:12px;border-top:1px solid var(--line)}
.topbar{background:#e8f0f6;color:#183a58}.topbar a{color:#183a58}.site-header{background:rgba(255,255,255,.98);border-bottom-color:#dbe4eb}.hero{background:linear-gradient(118deg,#315f85 0%,#47799f 100%)}.hero:before{border-color:rgba(255,255,255,.2);box-shadow:0 0 0 65px rgba(255,255,255,.055),0 0 0 130px rgba(255,255,255,.035)}.navlinks a.nav-cta{background:var(--gold);color:var(--navy-deep)}.navlinks a.nav-cta:hover{background:#f0ae00;color:var(--navy-deep);transform:translateY(-2px)}

.coverage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.coverage-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:0 12px 34px rgba(6,43,76,.06)}.coverage-card h3{color:var(--navy-deep);margin:0 0 9px;font-size:1.16rem}.coverage-card p{font-size:.96rem;color:var(--muted);margin:0 0 10px}.coverage-card p strong{color:var(--ink)}.coverage-card a{font-weight:700;color:var(--navy);text-decoration:none}.coverage-card a:hover{text-decoration:underline}.coverage-note{margin:25px 0 0;color:var(--muted)}.coverage-note a{color:var(--navy);font-weight:700}.lex-hero{padding:64px 0 70px;background:#eef4f8;color:var(--ink);border-bottom:1px solid var(--line)}.lex-hero h1{font-size:clamp(2.7rem,6vw,4.8rem);line-height:1.04;letter-spacing:-.04em;margin:12px 0;color:var(--navy-deep)}.lex-hero>div>p{max-width:850px;font-size:1.08rem;color:#43596d}.lex-search-label{display:block;font-weight:700;color:var(--navy-deep);margin:24px 0 8px}.lex-search{display:block;width:min(100%,720px);padding:15px 18px;border:1px solid #9aafc1;border-radius:12px;background:#fff;color:var(--ink);font:inherit}.lex-search:focus{outline:3px solid rgba(255,189,0,.55);border-color:var(--navy)}.lex-disclaimer{font-size:.92rem!important;color:#52677a!important;margin:18px 0 22px}.lex-index{display:flex;gap:10px;flex-wrap:wrap;margin:0 0 42px}.lex-index a{display:inline-block;padding:9px 13px;border-radius:999px;background:#eaf1f6;color:var(--navy-deep);font-weight:700;text-decoration:none}.lex-index a:hover{background:var(--gold-soft)}.lex-group{padding:4px 0 42px;scroll-margin-top:100px}.lex-group>h2,.lex-sources h2{font-size:clamp(1.6rem,3vw,2.2rem);color:var(--navy-deep);margin:0 0 18px}.lex-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.lex-entry{min-height:0;padding:24px;scroll-margin-top:105px}.lex-entry h3{font-size:1.28rem;color:var(--navy-deep);margin:9px 0 10px}.lex-entry p{color:#506579;margin:0 0 12px}.lex-entry p:last-child{margin-bottom:0}.lex-entry p strong{color:var(--ink)}.lex-label{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:#6a8298}.lex-empty{padding:20px;border-radius:12px;background:var(--gold-soft);color:var(--navy-deep)}.lex-sources{border-top:1px solid var(--line);padding:34px 0 4px}.lex-sources p,.lex-sources li{color:var(--muted)}.lex-sources ul{columns:2;line-height:1.9}.lex-sources a{color:var(--navy)}[hidden]{display:none!important}@media(max-width:900px){.coverage-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.coverage-grid,.lex-grid{grid-template-columns:1fr}.coverage-card{padding:20px}.lex-hero{padding:48px 0}.lex-sources ul{columns:1}}

.partner-section{background:#f1f5f8;overflow:hidden}.partner-section .section-head{max-width:780px}.partner-marquee{position:relative;width:100%;overflow:hidden;margin-top:26px;padding:8px 0;mask-image:linear-gradient(90deg,transparent,#000 4%,#000 96%,transparent)}.partner-track{display:flex;align-items:center;width:max-content;animation:partner-scroll 220s linear infinite}.partner-group{display:flex;align-items:center;gap:18px;padding-right:18px}.partner-marquee:hover .partner-track{animation-play-state:paused}.partner-item{min-width:145px;height:84px;padding:12px 15px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:7px;border:1px solid #e6ebef;border-radius:14px;background:#fff;color:#173c5f;font-size:.75rem;font-weight:700;text-align:center;white-space:nowrap}.partner-item img{display:block;width:116px;height:42px;object-fit:contain}.partner-wordmark{font-size:.92rem;letter-spacing:.01em}.partner-credit{font-size:.75rem;color:#63788b;margin:12px 0 0;text-align:right}.partner-credit a{color:#365e83}@keyframes partner-scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}@media(prefers-reduced-motion:reduce){.partner-track{animation:none;flex-wrap:wrap;justify-content:center;width:100%;transform:none}.partner-group{flex-wrap:wrap;justify-content:center}.partner-group[aria-hidden="true"]{display:none}}@media(max-width:680px){.partner-item{min-width:128px;height:78px}.partner-item img{width:100px;height:38px}.partner-group{gap:12px}.partner-credit{text-align:left}}

.nav{gap:12px}.brand img{width:min(260px,25vw)}.navlinks{gap:clamp(8px,1vw,14px);font-size:.84rem}.navlinks a{white-space:nowrap}.navlinks a[aria-current=page]{text-decoration:underline;text-decoration-color:#ffbd00;text-decoration-thickness:2px;text-underline-offset:5px}@media(max-width:1100px){.nav{gap:10px}.brand img{width:min(220px,22vw)}.navlinks{gap:8px;font-size:.78rem}.navlinks .nav-cta{padding:10px 13px}}

@media(max-width:800px){.mobile-menu{display:block;position:relative}.mobile-menu summary{list-style:none;cursor:pointer;border:1px solid #cad5df;border-radius:999px;padding:8px 12px;color:var(--navy-deep);font-size:.84rem;font-weight:750;white-space:nowrap}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu-panel{position:absolute;z-index:30;right:0;top:calc(100% + 8px);width:min(290px,calc(100vw - 32px));display:grid;gap:0;padding:8px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 14px 34px rgba(6,43,76,.18)}.mobile-menu-panel a{padding:10px 12px;color:var(--navy-deep);font-weight:650;text-decoration:none;border-radius:8px}.mobile-menu-panel a:hover{background:#edf3f7}}

.direct-contact{display:grid;gap:5px;margin-top:18px;position:relative;z-index:1}.direct-contact strong{color:var(--navy-deep)}.direct-contact a{overflow-wrap:anywhere;color:var(--navy);text-underline-offset:3px}.agrar-hero .direct-contact strong,.agrar-hero .direct-contact a{color:#fff}

.navlinks a.avd-highlight,.mobile-menu-panel a.avd-highlight{color:#b8202c}.navlinks a.avd-highlight:hover,.mobile-menu-panel a.avd-highlight:hover{color:#981523}#privatkunde,#firmenkunde,#leben-kranken{scroll-margin-top:110px}@media(min-width:801px) and (max-width:1100px){.brand img{width:min(175px,18vw)}.navlinks{gap:7px;font-size:.76rem}}

.brand{text-decoration:none;flex-shrink:0}.brand-wordmark{display:block;font-family:Georgia,serif;font-weight:700;font-size:clamp(1.05rem,1.9vw,1.65rem);letter-spacing:-.045em;color:var(--navy-deep);white-space:nowrap}.brand-wordmark span{color:#a77700;font-style:italic}@media(max-width:480px){.brand-wordmark{font-size:1.22rem}}

.hero-todo-note{display:block;max-width:380px;justify-self:center;transform:rotate(3deg);filter:drop-shadow(0 16px 16px rgba(5,30,50,.22));transition:transform .2s}.hero-todo-note:hover{transform:rotate(1deg) translateY(-3px)}.hero-todo-note img{display:block;width:100%;height:auto}.hero-todo-note:focus-visible{outline:3px solid #fff;outline-offset:5px}@media(max-width:800px){.hero-todo-note{width:min(100%,330px)}}

.nav{position:relative}.private-menu-trigger{font:inherit;font-weight:650;color:var(--navy-deep);border:0;background:transparent;padding:12px 0;cursor:pointer;white-space:nowrap}.private-menu-trigger span{font-size:.7em}.private-menu-trigger:focus-visible{outline:2px solid var(--navy);outline-offset:4px}.private-mega-menu{display:none;position:absolute;top:calc(100% - 1px);left:0;right:0;max-height:calc(100dvh - 145px);overflow-y:auto;padding:24px 28px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:0 0 18px 18px;box-shadow:0 18px 35px rgba(6,43,76,.18);z-index:35}.private-menu.is-open .private-mega-menu{display:block}.private-menu-columns{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}.private-menu-column h3{font-size:1.05rem;margin:12px 0;color:var(--navy-deep);border-bottom:2px solid var(--gold);padding-bottom:8px}.private-menu-column ul{list-style:none;margin:0;padding:0}.private-menu-column li{margin:0}.navlinks .private-menu-column a{display:block;white-space:normal;font-size:.86rem;font-weight:500;padding:5px 8px;border-radius:5px;line-height:1.4}.navlinks .private-menu-column a:hover,.navlinks .private-menu-column a:focus-visible{background:#edf3f7;color:var(--navy)}.navlinks a.private-overview{font-size:.84rem;display:inline-block;padding-bottom:6px}.private-mobile-menu summary{border:0;border-radius:8px;font-weight:650}.private-mobile-menu .private-menu-columns{grid-template-columns:1fr;gap:8px;padding:0 10px}.private-mobile-menu .private-menu-column h3{font-size:.95rem;margin:10px 0 4px}.private-mobile-menu .private-menu-column a{font-size:.84rem;font-weight:500;padding:7px 4px}.mobile-menu-panel{max-height:calc(100dvh - 110px);overflow:auto}
@media(max-width:800px){.navlinks .private-menu{display:none}}

.navlinks{align-self:stretch}.navlinks>.private-menu{display:flex;align-items:center;align-self:stretch}.private-menu-trigger{height:100%}.private-mega-menu{top:100%}.offering-group{margin-top:32px}.offering-group-title{font-size:1.5rem;color:var(--navy-deep);margin:0 0 18px}.offering-group .coverage-card{scroll-margin-top:170px}@media(max-width:800px){.navlinks>.private-menu{display:none}}

.navlinks{align-self:stretch}.navlinks>.private-menu{display:flex;align-items:center;align-self:stretch}.private-menu-trigger{height:100%}.private-mega-menu{top:100%}.offering-group{margin-top:32px}.offering-group-title{font-size:1.5rem;color:var(--navy-deep);margin:0 0 18px}.offering-group .coverage-card{scroll-margin-top:170px}@media(max-width:800px){.navlinks>.private-menu{display:none}}

.offering-link{display:block;text-decoration:none;color:var(--navy-deep);transition:transform .18s,border-color .18s,box-shadow .18s}.offering-link h3{margin:0}.offering-link:hover{transform:translateY(-2px);border-color:#a5b8c8;box-shadow:0 14px 32px rgba(6,43,76,.12)}.offering-link:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

.partner-item.partner-dark{background:#173c5f;color:#fff;border-color:#173c5f}

@media(max-width:480px){.nav{flex-wrap:wrap;gap:10px;padding-block:12px}.navlinks{margin-left:auto}.mobile-menu{margin-left:auto}}

.navlinks .private-menu{display:flex;align-items:center;gap:3px}.navlinks a.private-menu-link{padding:12px 0}.navlinks .private-menu-trigger{padding:12px 4px}.private-mobile-menu>summary{display:flex;align-items:center;justify-content:space-between}.private-mobile-menu>summary>a{padding:0;flex:1;text-decoration:none}.private-menu-trigger:focus-visible{outline-offset:0}
@media(max-width:800px){.navlinks .private-menu{display:none}}

.navlinks .private-menu-column a.insurance-menu-entry,.private-mobile-menu .private-menu-column a.insurance-menu-entry{display:flex;align-items:center;gap:9px;flex-wrap:wrap}.insurance-menu-label{min-width:0}.insurance-badge{display:inline-block;flex:0 0 auto;font-family:Inter,"Segoe UI",Arial,sans-serif;font-weight:800;letter-spacing:.025em}.insurance-badge-must{color:#bd2030;font-size:.62rem;line-height:.94;text-align:center;transform:rotate(-9deg);padding:2px 0}.insurance-badge-tax{color:#237347;font-size:.65rem;line-height:1.2;letter-spacing:0}.private-mobile-menu .insurance-badge-must{font-size:.62rem}.private-mobile-menu .insurance-badge-tax{font-size:.64rem}

.insurance-badge-countdown{color:#895b00;background:#fff3c7;border:1px solid #ead08b;border-radius:4px;padding:3px 6px;font-size:.64rem;line-height:1.2;letter-spacing:0;font-variant-numeric:tabular-nums;white-space:nowrap}