/* Kredivera Deutschland V26: eigenständige redaktionelle Ratgeber */
.de-article-hero{background:#082e30;color:#fff;overflow:hidden;padding:90px 0 70px;background-image:radial-gradient(circle at 86% 25%,#1c5851 0%,transparent 42%)}
.de-article-hero-layout{display:grid;grid-template-columns:1.13fr .87fr;gap:62px;align-items:center}.de-article-hero .eyebrow{color:#bafd9d;font-size:12px;font-weight:850;letter-spacing:.13em;margin:25px 0}.de-article-hero h1{font-size:clamp(44px,5.15vw,74px);line-height:1.045;letter-spacing:-.06em;max-width:800px;margin:0 0 23px;color:#fff}.de-article-hero .subtitle{font-size:17px;line-height:1.75;max-width:680px;color:#d0e5dc}.de-article-hero .breadcrumbs{font-size:12px;color:#aac8be}.de-article-hero .breadcrumbs a{color:#e2f8e7}.de-article-hero-media{position:relative}.de-article-hero-media>img{height:510px;width:100%;object-fit:cover;object-position:center 40%;border-radius:130px 22px 22px 22px}.de-article-card-overlap{position:absolute;bottom:-23px;left:-32px;background:#f0fff0;max-width:280px;color:#0b3a31;border-radius:16px;padding:18px 21px;box-shadow:0 18px 45px #001a1c35}.de-article-card-overlap strong{display:block;font-size:25px;margin-top:5px}.de-article-card-overlap small{font-size:11px;color:#407364}.de-article-tools-badges{display:flex;gap:9px;flex-wrap:wrap;margin:28px 0}.de-article-tools-badges span{padding:9px 12px;border:1px solid #53776e;border-radius:9px;color:#e5f7ec;font-size:12px}.de-article-main{background:#f7faf6;padding:74px 0 110px}.de-article-wrap{display:grid;grid-template-columns:265px minmax(0,760px);gap:60px;justify-content:center;align-items:start}.de-article-sidebar{position:sticky;top:100px;max-height:calc(100vh - 125px);overflow:auto;padding:24px;background:#e9f4e9;border:1px solid #d4e7d9;border-radius:18px}.de-article-sidebar>strong{font-size:13px;color:#164d44}.de-article-sidebar .links{display:grid;gap:9px;margin-top:20px}.de-article-sidebar a{font-size:12px;line-height:1.45;color:#38675c;padding:2px 0}.de-article-sidebar a:hover{color:#006753;text-decoration:underline}.de-article-sidebar .article-sidebar-cta{display:block;background:#0a4440;color:#fff;margin-top:23px;padding:13px;border-radius:9px;font-weight:700;text-align:center}.de-article-body{min-width:0}.de-article-body>p:first-child{font-size:19px;line-height:1.85;color:#365a50}.de-article-body h2{font-size:clamp(26px,2.6vw,37px);line-height:1.18;letter-spacing:-.04em;color:#103d36;margin:60px 0 21px;scroll-margin-top:105px}.de-article-body h2:first-child{margin-top:0}.de-article-body p{font-size:16px;line-height:1.85;color:#456257;margin:0 0 22px}.de-article-body strong{color:#183e34}.de-article-body p a{color:#087962;text-decoration:underline;text-underline-offset:3px}.de-article-body h3{font-size:21px;margin:26px 0 16px}.de-article-body ul{padding-left:23px;color:#456257;line-height:1.75}.de-article-utility{margin:56px 0;background:#0c4540;border-radius:22px;padding:35px;color:#fff;scroll-margin-top:95px}.de-article-utility h2{font-size:clamp(30px,3vw,41px);margin:0 0 15px;line-height:1.1;color:#fff}.de-article-utility>p{color:#d1e9df;line-height:1.7;font-size:14px}.de-calc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px;margin-top:23px}.de-calc-grid label{display:block;font-size:13px;color:#e4f6eb;font-weight:700}.de-calc-grid input{width:100%;margin-top:9px;background:#fff;color:#0b3b35;border:1px solid #b7d5c8;border-radius:9px;padding:11px 12px;font:inherit}.de-calc-results{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:23px}.de-calc-results div{border-radius:12px;background:#e4f9df;color:#093b32;padding:17px 13px}.de-calc-results span{display:block;color:#3d7663;font-size:11px;font-weight:700}.de-calc-results strong{display:block;overflow-wrap:anywhere;font-size:25px;margin-top:10px}.de-article-utility .disclaimer{margin-top:18px;font-size:12px;color:#bfddd2}.de-checklist{display:grid;gap:10px;margin:20px 0 8px}.de-checklist label{display:flex;align-items:start;gap:11px;background:#f3fff0;color:#1b4c3e;border-radius:10px;padding:14px 16px;font-weight:650;font-size:14px;line-height:1.5}.de-checklist input{accent-color:#057761;width:19px;height:19px;flex:none;margin-top:2px}.de-checklist-status{margin:18px 0;color:#cef5de;font-weight:750}.de-article-faq{margin:55px 0;padding-top:30px;border-top:1px solid #cee1d7}.de-article-faq h2{font-size:36px;line-height:1.1;margin:0 0 22px}.de-article-faq details{border-bottom:1px solid #cdded3;padding:18px 0}.de-article-faq summary{font-size:17px;font-weight:790;color:#133f36;cursor:pointer;line-height:1.4}.de-article-faq p{font-size:14px;color:#4b7265;line-height:1.75;padding:13px 4px 0}.de-article-source{background:#eaf3ec;border-radius:14px;padding:24px;margin-top:35px}.de-article-source h2{margin:0 0 14px;font-size:25px}.de-article-source a{color:#056a5b;text-decoration:underline;overflow-wrap:anywhere}.de-article-source li{margin:9px 0;font-size:13px;line-height:1.6}.de-article-related{display:grid;grid-template-columns:1fr 1fr;gap:15px;margin:38px 0}.de-article-related a{display:block;padding:20px;border:1px solid #d3e5da;background:white;border-radius:14px;color:#12443a;font-weight:800}.de-article-related small{display:block;color:#639181;margin-bottom:10px}.de-own-head{display:flex;align-items:end;justify-content:space-between;gap:25px;margin:58px 0 20px}.de-own-head h2{margin:0;font-size:clamp(34px,4vw,53px);letter-spacing:-.04em;color:#103e35}.de-own-head p{max-width:320px;color:#6c8579;line-height:1.6;font-size:13px}.de-own-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-bottom:34px}.de-own-card{background:#0c3e3b;color:#fff;border-radius:19px;overflow:hidden;display:grid;grid-template-columns:1fr 155px;min-height:275px}.de-own-card .copy{padding:29px 24px;display:flex;flex-direction:column;align-items:flex-start}.de-own-card small{font-size:10px;color:#b5ebb9;font-weight:820;letter-spacing:.09em}.de-own-card h3{font-size:25px;line-height:1.18;letter-spacing:-.04em;margin:23px 0 11px;color:#fff}.de-own-card p{color:#c3dcd3;font-size:12px;line-height:1.6;flex:1}.de-own-card a{display:inline-block;border-radius:9px;padding:10px 12px;background:#bafc96;color:#0e3f35;font-size:12px;font-weight:800}.de-own-card img{width:100%;height:100%;object-fit:cover;object-position:center}.de-resource[hidden],.de-own-card[hidden]{display:none}.de-own-grid[hidden]{display:none}.de-results-note{font-size:12px;color:#6f9182;margin-top:9px}.de-article-bottom-cta{background:#0c403a;color:#fff;padding:85px 0}.de-article-bottom-cta h2{font-size:clamp(39px,5vw,64px);line-height:1.08;margin:0 0 19px;max-width:740px;letter-spacing:-.05em}.de-article-bottom-cta p{max-width:680px;color:#d2e7df;line-height:1.75}.de-article-bottom-cta a{display:inline-block;background:#bafc96;color:#0c403a;padding:14px 24px;margin-top:22px;border-radius:11px;font-weight:800}
@media(max-width:980px){.de-article-hero-layout{gap:32px}.de-article-hero-media>img{height:390px}.de-article-wrap{grid-template-columns:210px minmax(0,1fr);gap:27px}.de-own-card{grid-template-columns:1fr 110px}.de-own-card .copy{padding:22px 18px}.de-own-card h3{font-size:21px}}
@media(max-width:720px){.de-article-hero{padding:49px 0 58px}.de-article-hero-layout{grid-template-columns:1fr;gap:25px}.de-article-hero .breadcrumbs{margin-bottom:22px}.de-article-hero h1{font-size:clamp(38px,10vw,58px)}.de-article-hero .subtitle{font-size:14px}.de-article-hero-media>img{height:290px;border-radius:15px}.de-article-card-overlap{left:13px;bottom:-15px;padding:11px 17px}.de-article-card-overlap strong{font-size:17px}.de-article-main{padding:40px 0 80px}.de-article-wrap{grid-template-columns:1fr}.de-article-sidebar{position:static;max-height:270px;padding:17px}.de-article-sidebar .links{grid-template-columns:1fr 1fr;gap:7px}.de-article-body>p:first-child{font-size:17px}.de-article-body p{font-size:15px}.de-article-body h2{margin-top:45px}.de-article-utility{padding:23px 17px;margin:38px 0}.de-calc-grid{grid-template-columns:1fr}.de-calc-results{grid-template-columns:1fr;gap:7px}.de-calc-results div{padding:10px 14px}.de-calc-results strong{margin-top:4px;font-size:22px}.de-own-grid{grid-template-columns:1fr}.de-own-card{grid-template-columns:1fr 125px}.de-own-head{display:block}.de-own-head p{margin-top:12px}.de-article-related{grid-template-columns:1fr}.de-article-bottom-cta{padding:65px 0}}
@media(max-width:340px){.de-article-sidebar .links{grid-template-columns:1fr}.de-own-card{grid-template-columns:1fr 98px}.de-own-card h3{font-size:18px}.de-own-card .copy{padding:17px 13px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}}

.de-article-hero .cta{display:inline-flex!important;align-items:center;justify-content:center;background:#bafc96!important;color:#063c35!important;border:1px solid #a1ed81;border-radius:11px;padding:15px 23px;font-size:14px;font-weight:850;text-decoration:none;box-shadow:0 12px 25px #00181233}
html{overflow-x:clip}