/* Kredivera Deutschland – Über uns V24. Eigenständiges Editorialdesign. */
.ka-hero{background:radial-gradient(ellipse at 48% 40%,#16494b 0%,#082e30 73%);color:#fff;position:relative;overflow:hidden}
.ka-hero-grid{display:grid;grid-template-columns:minmax(0,1.03fr) minmax(0,.97fr);min-height:665px;gap:36px;align-items:center;padding-top:58px;padding-bottom:58px}
.ka-hero-copy{padding:0 0 20px;position:relative;z-index:2;min-width:0}.ka-breadcrumb{display:flex;gap:10px;align-items:center;color:#b7d5cb;font-size:12px;margin-bottom:48px}.ka-breadcrumb a:hover{text-decoration:underline}
.ka-overline{display:flex;align-items:center;gap:9px;text-transform:uppercase;color:#bce4d0;letter-spacing:.13em;font-size:11px;font-weight:850}.ka-overline-dot{width:7px;height:7px;border-radius:50%;background:#bafc96}
.ka-hero h1{font-size:clamp(55px,5.35vw,78px);letter-spacing:-.058em;line-height:1.035;margin:23px 0 25px;max-width:740px}.ka-hero h1 em{color:#bafc96;font:italic 400 .98em/1.035 Georgia,serif;letter-spacing:-.055em}
.ka-hero-lead{font-size:16px;line-height:1.77;color:#d2e5d9;max-width:525px}.ka-hero-actions{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-top:29px}.ka-link-light{color:#fff;font-weight:780;font-size:13px;border-bottom:1px solid #ffffff66;padding:10px 0}.ka-link-light:hover{color:#bafc96}.ka-hero-disclaimer{color:#a8cabc;font-size:11px;margin-top:21px;max-width:430px}
.ka-hero-visual{position:relative;padding:20px 0 15px;min-width:0}.ka-hero-photo-wrap{margin:0 0 0 auto;max-width:490px;position:relative;z-index:1;overflow:hidden;border-radius:155px 16px 16px 16px;box-shadow:0 25px 75px #001c1a83;transform:rotate(1deg)}.ka-hero-photo-wrap img{width:100%;height:535px;object-fit:cover;object-position:43% 48%}
.ka-image-note{z-index:3;position:absolute;bottom:5px;left:-20px;background:#f3f9eb;color:#083832;display:flex;gap:16px;align-items:start;padding:17px 20px;border-radius:14px;box-shadow:0 15px 40px #0004;transform:rotate(-4deg)}.ka-note-asterisk{font-size:29px;color:#158d71;line-height:1}.ka-image-note small{display:block;color:#528071;font-size:11px;font-weight:750;margin-bottom:5px}.ka-image-note strong{font-size:19px;letter-spacing:-.04em;line-height:1.12}.ka-outline-ring{position:absolute;border:1px solid #ffffff30;width:630px;height:630px;border-radius:50%;right:-135px;top:-70px;pointer-events:none}
.ka-hero-bottom{border-top:1px solid #ffffff2b;background:#0a3133}.ka-hero-bottom>.wrap{display:flex;align-items:center;justify-content:space-between;gap:15px;color:#c1d9cc;padding-top:18px;padding-bottom:18px;font-size:12px}.ka-hero-bottom span:first-child{color:#bafc96;font-weight:850}.ka-hero-bottom a{font-weight:800}
.ka-manifesto{padding:105px 0 115px;background:#f9faf6;scroll-margin-top:80px}.ka-manifesto-grid{display:grid;grid-template-columns:1fr .79fr;gap:14%;align-items:start}.ka-chapter{color:#138b71;font-weight:850;letter-spacing:.1em;font-size:11px;text-transform:uppercase}.ka-manifesto h2,.ka-section-heading h2,.ka-transparency h2,.ka-journey h2,.ka-publisher h2{font-size:clamp(42px,4.6vw,65px);margin-top:21px;letter-spacing:-.058em;line-height:1.08}.ka-manifesto h2 em,.ka-section-heading h2 em,.ka-transparency h2 em,.ka-journey h2 em,.ka-publisher h2 em{color:#18866d;font:italic 400 .98em/1.08 Georgia,serif}.ka-manifesto-copy{padding-top:43px}.ka-manifesto-copy p{color:#54726b;font-size:16px;line-height:1.84;margin-bottom:20px}.ka-inline-link{display:inline-flex;justify-content:space-between;gap:22px;border-bottom:1px solid #1e755f;padding:8px 0;color:#0b705e;font-size:14px;font-weight:830}
.ka-questions{background:#edf5ec;padding:110px 0 113px;scroll-margin-top:80px}.ka-section-heading{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:40px}.ka-section-heading h2{margin-top:17px}.ka-section-heading>p{max-width:330px;line-height:1.75;font-size:15px;color:#647d72;padding-bottom:8px}.ka-question-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px}.ka-question-card{position:relative;min-width:0;background:#fff;border:1px solid #d5e4d7;border-radius:17px;padding:35px 37px;min-height:265px;display:flex;flex-direction:column;align-items:start}.ka-question-featured{grid-column:1/-1;padding:0;display:grid;grid-template-columns:1fr .85fr;min-height:345px;overflow:hidden;background:#083c3c;color:#fff}.ka-question-featured .ka-question-content{padding:40px 43px;display:flex;align-items:start;flex-direction:column}.ka-question-featured img{width:100%;height:100%;min-height:345px;object-fit:cover;object-position:center 39%}.ka-number{display:flex;align-items:center;gap:8px;color:#168f72;font-size:13px;font-weight:900;letter-spacing:.03em}.ka-number span{color:#819b8d;text-transform:uppercase;font-size:10px;letter-spacing:.1em}.ka-question-featured .ka-number{color:#bafc96}.ka-question-featured .ka-number span{color:#bad2c3}.ka-question-card h3{font-size:clamp(28px,2.6vw,39px);line-height:1.16;letter-spacing:-.055em;margin:26px 0 14px;max-width:590px}.ka-question-card h3 em{font-family:Georgia,serif;color:#bafc96;font-weight:400}.ka-question-card p{font-size:14px;line-height:1.75;color:#63796f;max-width:565px;margin:0 0 18px}.ka-question-featured p{color:#d3e6d9}.ka-question-card a{font-size:13px;font-weight:850;color:#157e67;display:inline-flex;gap:16px;margin-top:auto;padding-top:12px}.ka-question-featured a{color:#bafc96}.ka-question-corner{position:absolute;right:27px;top:24px;font-size:26px;color:#9abdac}
.ka-statement{min-height:470px;position:relative;isolation:isolate;background:#062f30;color:#fff;display:flex;align-items:center;overflow:hidden}.ka-statement-image,.ka-statement-shade{position:absolute;inset:0}.ka-statement-image{z-index:-2}.ka-statement-image img{width:100%;height:100%;object-fit:cover;object-position:50% 47%}.ka-statement-shade{z-index:-1;background:linear-gradient(90deg,#052e31ed 0%,#052e31cc 41%,#062d312c 100%)}.ka-statement-inner{padding-top:80px;padding-bottom:83px}.ka-statement .ka-chapter{color:#bafc96}.ka-statement h2{font-size:clamp(42px,5vw,67px);line-height:1.12;letter-spacing:-.06em;max-width:860px;margin:25px 0 35px}.ka-statement h2 em{font:italic 400 1em/1.1 Georgia,serif;color:#bafc96}.ka-statement-link{display:inline-flex;border:1px solid #bafc9685;border-radius:10px;color:#fff;padding:13px 17px;gap:25px;font-size:13px;font-weight:850}.ka-statement-link:hover{background:#bafc96;color:#083b38}
.ka-transparency{background:#f9faf6;padding:112px 0 120px;scroll-margin-top:80px}.ka-transparency-top{display:flex;gap:70px;justify-content:space-between;align-items:end;margin-bottom:42px}.ka-transparency-top>p{max-width:330px;font-size:15px;line-height:1.8;color:#60786e}.ka-transparency h2{margin-top:18px}.ka-role-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px}.ka-role-grid article{min-width:0;padding:38px 40px 35px;border-radius:17px;display:flex;flex-direction:column;min-height:420px}.ka-role-yes{background:#0a3b3c;color:#fff}.ka-role-no{background:#e6eee5;border:1px solid #d0ddd1;color:#0c3c39}.ka-role-label{font-size:11px;font-weight:850;letter-spacing:.1em;text-transform:uppercase;color:#c5e1d1;display:flex;align-items:center;gap:10px}.ka-role-no .ka-role-label{color:#477566}.ka-role-label span{color:#bafc96;font-size:19px}.ka-role-no .ka-role-label span{color:#0b826c}.ka-role-grid h3{font-size:clamp(27px,3vw,39px);letter-spacing:-.055em;line-height:1.12;margin:25px 0 20px}.ka-role-grid ul{list-style:none;padding:0;margin:0 0 25px;display:grid;gap:14px}.ka-role-grid li{position:relative;padding-left:25px;font-size:14px;line-height:1.7;color:#d0e4d6}.ka-role-no li{color:#4e6e62}.ka-role-grid li:before{content:'✓';position:absolute;left:0;color:#bafc96;font-weight:900}.ka-role-no li:before{content:'–';color:#188771}.ka-role-grid a{font-size:13px;font-weight:800;margin-top:auto;padding-top:12px;color:#bafc96}.ka-role-no a{color:#0a7864}
.ka-journey{background:#eaf2e9;padding:115px 0}.ka-journey-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:90px;align-items:center}.ka-journey-photo{position:relative;max-width:470px}.ka-journey-photo img{width:100%;height:600px;object-fit:cover;object-position:50% 42%;border-radius:22px 140px 22px 22px}.ka-journey-sticker{position:absolute;right:-25px;bottom:45px;background:#bafc96;padding:18px 26px;border-radius:12px;transform:rotate(-7deg);color:#0c3835;box-shadow:0 12px 32px #123d332e;display:grid}.ka-journey-sticker b{font-size:23px;letter-spacing:-.04em}.ka-journey-sticker span{font:italic 24px Georgia,serif}.ka-journey h2{font-size:clamp(40px,3.85vw,56px);margin:21px 0 31px}.ka-step{display:grid;grid-template-columns:38px 1fr;gap:20px;border-top:1px solid #cbded1;padding:22px 0}.ka-step>span{color:#138c73;font-size:15px;font-weight:900}.ka-step h3{font-size:20px;letter-spacing:-.04em}.ka-step p{color:#5b7668;line-height:1.75;font-size:13px;margin-top:8px;max-width:490px}.ka-journey-content>.cta{margin-top:20px}
.ka-publisher{padding:98px 0;background:#f9faf6}.ka-publisher-grid{display:grid;grid-template-columns:1fr .9fr;gap:80px;align-items:center}.ka-publisher-card{padding:36px 40px;border:1px solid #d3e5d9;background:#f0f7ef;border-radius:16px;box-shadow:0 16px 40px #214f3320}.ka-publisher-mini{font-size:11px;text-transform:uppercase;letter-spacing:.1em;font-weight:830;color:#21896d}.ka-publisher-card>strong{display:block;font-size:25px;letter-spacing:-.05em;color:#083b36;margin:10px 0 17px}.ka-publisher-card p:not(.ka-publisher-mini){line-height:1.8;color:#4c7162;font-size:13px;margin-top:12px}.ka-publisher-card a{display:inline-block;color:#0a7964;font-weight:850;margin-top:18px;font-size:13px}
.ka-close{background:#f9faf6;padding:0 0 100px}.ka-close-inner{border-radius:24px;background:radial-gradient(circle at right bottom,#155f56,#083133 70%);color:#fff;padding:68px 70px;position:relative;overflow:hidden}.ka-close .ka-chapter{color:#bafc96}.ka-close h2{font-size:clamp(39px,4.7vw,63px);line-height:1.1;letter-spacing:-.055em;max-width:970px;margin:23px 0}.ka-close h2 em{font:italic 400 1em/1.08 Georgia,serif;color:#bafc96}.ka-close p{max-width:650px;color:#c9dfd4;font-size:15px;line-height:1.75}.ka-close-actions{display:flex;flex-wrap:wrap;align-items:center;gap:22px;margin:30px 0 24px}.ka-close-actions>a:last-child{color:white;font-weight:750;font-size:13px}.ka-close small{color:#accabe;line-height:1.6;display:block;font-size:11px}
@media(max-width:1050px){.ka-hero-grid{gap:20px}.ka-hero h1{font-size:clamp(52px,5.3vw,70px)}.ka-hero-photo-wrap img{height:480px}.ka-journey-grid{gap:45px}.ka-publisher-grid{gap:42px}}
@media(max-width:840px){.ka-hero-grid,.ka-manifesto-grid,.ka-journey-grid,.ka-publisher-grid{grid-template-columns:minmax(0,1fr)}.ka-hero-grid{padding-top:40px;gap:45px}.ka-hero-copy{padding-bottom:0}.ka-hero-visual{max-width:660px;width:100%;margin:0 auto}.ka-hero-photo-wrap{max-width:590px}.ka-hero-photo-wrap img{height:435px}.ka-image-note{left:1%}.ka-manifesto-grid{gap:15px}.ka-manifesto-copy{padding-top:0}.ka-journey-photo{max-width:600px}.ka-journey-photo img{height:480px}.ka-transparency-top{gap:35px}.ka-journey-content{max-width:710px}.ka-publisher-grid{gap:34px}}
@media(max-width:600px){.ka-hero-grid{padding-top:22px;padding-bottom:62px;gap:25px}.ka-breadcrumb{margin-bottom:33px}.ka-overline{font-size:10px}.ka-hero h1{font-size:clamp(45px,10.5vw,62px);margin:20px 0}.ka-hero-lead{font-size:14px}.ka-hero-actions{align-items:stretch;display:grid;gap:10px}.ka-hero-actions .cta{width:100%}.ka-link-light{width:max-content}.ka-hero-photo-wrap{max-width:100%;border-radius:92px 13px 13px 13px}.ka-hero-photo-wrap img{height:355px}.ka-image-note{left:4px;bottom:-24px;transform:rotate(-3deg);padding:12px 14px}.ka-image-note strong{font-size:15px}.ka-note-asterisk{font-size:22px}.ka-hero-bottom>.wrap span:nth-child(2){display:none}.ka-manifesto,.ka-questions,.ka-transparency,.ka-journey,.ka-publisher{padding-top:68px;padding-bottom:73px}.ka-manifesto h2,.ka-section-heading h2,.ka-transparency h2,.ka-journey h2,.ka-publisher h2{font-size:clamp(37px,9.4vw,51px)}.ka-manifesto-copy p{font-size:14px}.ka-section-heading,.ka-transparency-top{display:grid;gap:17px}.ka-section-heading>p,.ka-transparency-top>p{max-width:450px}.ka-question-list,.ka-role-grid{grid-template-columns:minmax(0,1fr)}.ka-question-featured{grid-column:auto;grid-template-columns:1fr;min-height:0}.ka-question-featured img{height:215px;min-height:0}.ka-question-featured .ka-question-content{padding:27px}.ka-question-card{min-height:0;padding:28px}.ka-question-card h3{font-size:29px}.ka-role-grid article{padding:30px;min-height:0}.ka-statement{min-height:415px}.ka-statement-inner{padding-top:66px;padding-bottom:68px}.ka-statement h2{font-size:clamp(37px,9.8vw,52px)}.ka-statement-shade{background:linear-gradient(90deg,#052e31ef,#052e31b5)}.ka-journey-photo img{height:355px;border-radius:16px 85px 16px 16px}.ka-journey-sticker{right:0;bottom:30px}.ka-journey-sticker b{font-size:19px}.ka-journey-sticker span{font-size:20px}.ka-journey-grid{gap:40px}.ka-publisher-card{padding:25px}.ka-close{padding-bottom:78px}.ka-close-inner{padding:38px 25px;border-radius:15px}.ka-close h2{font-size:clamp(36px,9.4vw,50px)}.ka-close-actions{display:grid;gap:18px}.ka-close-actions .cta{width:100%}}
@media(max-width:355px){.ka-hero h1{font-size:42px}.ka-breadcrumb{margin-bottom:25px}.ka-question-card h3{font-size:26px}.ka-close-inner{padding:30px 20px}.ka-role-grid article{padding:25px}}
@media(prefers-reduced-motion:reduce){.ka-hero-photo-wrap,.ka-image-note,.ka-journey-sticker{transform:none}}