:root{--blue:#0B2545;--blue2:#13315C;--yellow:#FFC300;--yellow2:#FFD84D;--ink:#182433;--mut:#5B6B7E;--bg:#F7F9FC;--line:#E3E9F2;--rad:14px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body.sk{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;font-size:17px}
img{max-width:100%;height:auto}
a{color:var(--blue2)}
.sk-wrap{max-width:1120px;margin:0 auto;padding:0 20px}
/* Topbar */
.sk-topbar{background:var(--blue);color:#cfe0f5;font-size:14px}
.sk-tb-s{display:none}
.sk-topbar-in{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:7px 20px;flex-wrap:wrap}
.sk-topbar-tel{color:var(--yellow);font-weight:800;text-decoration:none;letter-spacing:.3px}
/* Header */
.sk-head{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.sk-head-in{display:flex;align-items:center;gap:22px;padding:14px 20px}
.sk-logo{font-size:21px;font-weight:800;color:var(--blue);text-decoration:none;letter-spacing:-.3px;white-space:nowrap}
.sk-logo b{color:#C8102E}
.sk-logo-key{filter:hue-rotate(160deg) saturate(2)}
.sk-nav{display:flex;gap:18px;flex-wrap:wrap;margin-left:auto}
.sk-nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:6px 2px;border-bottom:2px solid transparent}
.sk-nav a:hover{border-color:var(--yellow)}
.sk-head-cta{margin-left:8px}
/* Buttons */
.sk-btn{display:inline-flex;align-items:center;gap:8px;padding:11px 20px;border-radius:10px;font-weight:800;text-decoration:none;font-size:15.5px;border:2px solid transparent;transition:.15s}
.sk-btn--yellow{background:var(--yellow);color:var(--blue)}
.sk-btn--yellow:hover{background:var(--yellow2)}
.sk-btn--blue{background:var(--blue);color:#fff}
.sk-btn--blue:hover{background:var(--blue2)}
.sk-btn--ghost{border-color:var(--blue);color:var(--blue);background:#fff}
.sk-btn--big{padding:15px 28px;font-size:17px}
.sk-btn-ico{font-size:18px}
/* Hero */
.sk-hero{background:linear-gradient(160deg,var(--blue) 0%,var(--blue2) 100%);color:#fff;padding:52px 0 40px}
.sk-hero--sub{padding:38px 0 30px}
.sk-hero h1{font-size:clamp(28px,4.4vw,44px);line-height:1.15;letter-spacing:-.5px;margin:10px 0 14px;color:#fff}
.sk-hero-sub{color:#D7E3F4;font-size:18px;max-width:760px}
.sk-hero-sub b{color:var(--yellow)}
.sk-hero-badge{display:inline-block;background:rgba(255,195,0,.15);border:1px solid var(--yellow);color:var(--yellow);font-weight:700;font-size:13px;padding:5px 12px;border-radius:999px;letter-spacing:.4px;text-transform:uppercase}
.sk-hero-cta{display:flex;gap:12px;margin-top:22px;flex-wrap:wrap}
.sk-hero-cta .sk-btn--ghost{border-color:#fff;color:#fff;background:transparent}
.sk-hero-grid{display:grid;grid-template-columns:1.5fr .9fr;gap:36px;align-items:center}
.sk-hero-price{background:#fff;color:var(--ink);border-radius:var(--rad);padding:26px;text-align:center;box-shadow:0 18px 44px rgba(0,0,0,.28)}
.sk-hero-price-h{font-weight:700;color:var(--mut);font-size:14px;text-transform:uppercase;letter-spacing:.5px}
.sk-hero-price-n{font-size:44px;font-weight:900;color:var(--blue);margin:6px 0;letter-spacing:-1px}
.sk-hero-price-s{color:var(--mut);font-size:14px}
/* Trust */
.sk-trust{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:34px}
.sk-trust-i{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:12px 14px;font-size:14.5px;font-weight:600;color:#EAF1FB;display:flex;align-items:center;gap:9px}
.sk-trust-ico{font-size:19px}
/* Sections */
.sk-sec{padding:52px 0}
.sk-sec--grey{background:var(--bg)}
.sk-sec--blue{background:var(--blue);color:#fff}
.sk-sec--blue h2{color:#fff}
.sk-sec h2{font-size:clamp(22px,3vw,30px);letter-spacing:-.4px;color:var(--blue);margin-bottom:14px}
.sk-lead{color:var(--mut);max-width:820px;margin-bottom:26px;font-size:17.5px}
.sk-sec--blue .sk-lead{color:#C9D8EC}
/* KPI */
.sk-kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:26px}
.sk-kpi{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:14px;text-align:center}
.sk-kpi-n{font-size:22px;font-weight:900;color:var(--yellow)}
.sk-kpi-l{font-size:13px;color:#C9D8EC}
/* Cards */
.sk-grid{display:grid;gap:16px}
.sk-grid--2{grid-template-columns:repeat(2,1fr)}
.sk-grid--3{grid-template-columns:repeat(3,1fr)}
.sk-grid--4{grid-template-columns:repeat(4,1fr)}
.sk-grid--tight{gap:12px;margin:18px 0 8px}
.sk-card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--rad);padding:20px;text-decoration:none;color:var(--ink);transition:.15s;box-shadow:0 2px 8px rgba(11,37,69,.05)}
.sk-card:hover{border-color:var(--yellow);transform:translateY(-2px);box-shadow:0 10px 24px rgba(11,37,69,.10)}
.sk-card--mini{padding:14px 16px}
.sk-card-t{font-weight:800;color:var(--blue);font-size:16.5px;margin-bottom:6px}
.sk-card--mini .sk-card-t{font-size:15px;margin-bottom:3px}
.sk-card-d{color:var(--mut);font-size:14.5px}
.sk-card-m{margin-top:10px;font-weight:800;font-size:14px;color:var(--blue2)}
.sk-card--mini .sk-card-m{margin-top:5px}
/* Steps */
.sk-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.sk-step{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15);border-radius:var(--rad);padding:20px}
.sk-step b{display:block;margin:4px 0 6px;color:#fff}
.sk-step p{font-size:14.5px;color:#C9D8EC}
.sk-step-n{width:34px;height:34px;border-radius:50%;background:var(--yellow);color:var(--blue);font-weight:900;display:flex;align-items:center;justify-content:center;font-size:17px}
/* Table */
.sk-tablewrap{overflow-x:auto;margin:8px 0 6px}
.sk-table{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--rad);overflow:hidden;box-shadow:0 2px 10px rgba(11,37,69,.06)}
.sk-table th{background:var(--blue);color:#fff;text-align:left;padding:13px 16px;font-size:14.5px}
.sk-table td{padding:13px 16px;border-top:1px solid var(--line);font-size:15.5px}
.sk-table tr:nth-child(even) td{background:var(--bg)}
.sk-table-note{color:var(--mut);font-size:13.5px;margin-top:8px}
/* Bezirke / linkcloud */
.sk-bezirk{margin-bottom:22px}
.sk-bezirk-h{font-weight:800;color:var(--blue);margin-bottom:9px;font-size:17px}
.sk-bezirk-c{color:var(--mut);font-weight:600;font-size:13.5px}
.sk-linkcloud{display:flex;flex-wrap:wrap;gap:8px}
.sk-linkcloud a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;text-decoration:none;color:var(--ink);font-size:14px;font-weight:600}
.sk-linkcloud a:hover{border-color:var(--yellow);background:#FFFBEB}
.sk-sec--grey .sk-linkcloud a{background:#fff}
/* FAQ */
.sk-faq{max-width:840px}
.sk-faq-i{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;overflow:hidden}
.sk-faq-i summary{padding:15px 18px;font-weight:700;cursor:pointer;color:var(--blue);list-style:none;position:relative;padding-right:40px}
.sk-faq-i summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:22px;color:var(--yellow);font-weight:900}
.sk-faq-i[open] summary::after{content:"–"}
.sk-faq-a{padding:0 18px 15px;color:var(--mut)}
/* CTA-Box */
.sk-ctabox{background:linear-gradient(135deg,var(--yellow) 0%,var(--yellow2) 100%);border-radius:var(--rad);padding:26px;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;margin:34px auto;max-width:1080px}
.sk-wrap .sk-ctabox{margin-left:0;margin-right:0}
.sk-ctabox-t{font-weight:800;color:var(--blue);font-size:18px;max-width:640px}
/* Prose */
.sk-prose h2{margin-top:34px}
.sk-prose h2:first-child{margin-top:0}
.sk-prose p{margin:12px 0;max-width:840px}
.sk-prose--narrow{max-width:840px}
.sk-ol{max-width:840px;margin:12px 0 12px 22px}
.sk-ol li{margin:9px 0;padding-left:6px}
.sk-defbox{background:var(--bg);border-left:5px solid var(--yellow);border-radius:0 12px 12px 0;padding:18px 20px;font-size:17.5px;margin-bottom:22px}
.sk-note{background:#FFFBEB;border:1px solid #F4E3A1;border-radius:12px;padding:15px 18px;margin:22px 0;font-size:15.5px}
.sk-tag{display:inline-block;background:var(--yellow);color:var(--blue);font-weight:800;font-size:12.5px;padding:4px 12px;border-radius:999px;text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}
.sk-more{font-weight:700}
/* Chips */
.sk-chips{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0}
.sk-chip{background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:14px;font-weight:600;text-decoration:none;color:var(--blue2)}
.sk-chip:hover{border-color:var(--yellow);background:#FFFBEB}
/* Crumbs */
.sk-crumbs{font-size:13.5px;color:#B9CBE3;margin-bottom:6px}
.sk-crumbs a{color:#B9CBE3;text-decoration:none}
.sk-crumbs a:hover{color:var(--yellow)}
.sk-crumbs .sep{margin:0 5px;color:#5F79A0}
/* AZ bar */
.sk-azbar{display:flex;flex-wrap:wrap;gap:7px;margin-top:18px}
.sk-azbar a{width:34px;height:34px;display:flex;align-items:center;justify-content:center;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:8px;color:#fff;font-weight:800;text-decoration:none;font-size:14px}
.sk-azbar a:hover{background:var(--yellow);color:var(--blue)}
.sk-azh{margin-top:30px;border-bottom:3px solid var(--yellow);display:inline-block;padding:0 6px 2px 0}
/* Prefoot + footer */
.sk-prefoot{background:var(--yellow)}
.sk-prefoot-in{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:24px 20px;flex-wrap:wrap;color:var(--blue);font-size:16.5px}
.sk-prefoot .sk-btn--yellow{background:var(--blue);color:#fff}
.sk-foot{background:var(--blue);color:#B9CBE3;padding:44px 0 0;font-size:14.5px}
.sk-foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px;padding-bottom:30px}
.sk-foot-h{color:#fff;font-weight:800;margin-bottom:10px;font-size:15.5px}
.sk-foot a{display:block;color:#B9CBE3;text-decoration:none;padding:3px 0}
.sk-foot a:hover{color:var(--yellow)}
.sk-foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding:16px 20px;font-size:13px}
/* Sticky mobile call */
.sk-stickycall{display:none}

/* Tabellen im Seiten-Content (Pages/Ratgeber) wie sk-table */
.sk-prose table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--rad);overflow:hidden;margin:16px 0;box-shadow:0 2px 10px rgba(11,37,69,.06)}
.sk-prose table th{background:var(--blue);color:#fff;text-align:left;padding:12px 15px;font-size:14.5px;font-weight:700}
.sk-prose table td{padding:12px 15px;border-top:1px solid var(--line);font-size:15.5px;vertical-align:top}
.sk-prose table tr:nth-child(even) td{background:var(--bg)}
.sk-prose table td:last-child,.sk-prose table th:last-child{text-align:right;white-space:nowrap}
.sk-prose ul,.sk-prose ol{margin:12px 0 12px 22px;max-width:840px}
.sk-prose li{margin:7px 0}

/* ============ TABLET ============ */
@media(max-width:900px){
.sk-hero-grid{grid-template-columns:1fr;gap:24px}
.sk-grid--4,.sk-grid--3{grid-template-columns:repeat(2,1fr)}
.sk-steps,.sk-foot-grid{grid-template-columns:repeat(2,1fr)}
.sk-head-in{gap:14px}
.sk-nav{gap:14px}
.sk-nav a{font-size:14px}
}
/* ============ MOBILE ============ */
@media(max-width:680px){
body.sk{font-size:16px;padding-bottom:60px}
.sk-wrap{padding:0 16px}
/* Topbar: eine Zeile, kompakt */
.sk-topbar{font-size:12.5px}
.sk-topbar-in{padding:7px 16px;gap:10px;flex-wrap:nowrap;justify-content:space-between}
.sk-tb-l{display:none}
.sk-tb-s{display:inline;white-space:nowrap}
.sk-topbar-tel{white-space:nowrap;font-size:13px}
.sk-head-cta{display:none}
/* Header: Logo links, Nav als Scroll-Leiste darunter */
.sk-head-in{flex-wrap:wrap;padding:11px 16px 0;gap:0;row-gap:0;align-items:center}
.sk-logo{font-size:18.5px;flex:0 1 auto;margin-right:auto}
.sk-head-cta{margin-left:0}
.sk-head-cta .sk-btn{padding:9px 15px;font-size:14px}
.sk-nav{display:flex;order:3;width:100%;flex-wrap:nowrap;margin:9px -16px 0;padding:0 16px 2px;gap:0;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;border-top:1px solid var(--line)}
.sk-nav::-webkit-scrollbar{display:none}
.sk-nav a{white-space:nowrap;padding:11px 14px 9px;font-size:14.5px;border-bottom:3px solid transparent}
.sk-nav a:first-child{padding-left:0}
/* Hero: kompakter, Preiskarte zuerst gut lesbar */
.sk-hero{padding:28px 0 30px}
.sk-hero--sub{padding:22px 0 24px}
.sk-hero h1{font-size:29px;line-height:1.2;margin:9px 0 10px}
.sk-hero-sub{font-size:16px;line-height:1.55}
.sk-hero-badge{font-size:11px;padding:4px 10px;letter-spacing:.2px}
.sk-hero-cta{gap:9px;margin-top:18px}
.sk-hero-cta .sk-btn{flex:1 1 100%;justify-content:center;padding:14px 18px;font-size:16px}
.sk-hero-cta .sk-btn--ghost{flex:1 1 100%;padding:12px 18px;font-size:15px}
.sk-hero-price{padding:18px;margin-top:4px;display:flex;align-items:center;gap:14px;text-align:left}
.sk-hero-price-n{font-size:32px;margin:0;white-space:nowrap}
.sk-hero-price-h{font-size:12px}
.sk-hero-price-s{font-size:12.5px;line-height:1.4}
/* Trust: 2x2 kompakt */
.sk-trust{grid-template-columns:1fr 1fr;gap:8px;margin-top:22px}
.sk-trust-i{padding:10px;font-size:13px;gap:7px;line-height:1.3}
.sk-trust-ico{font-size:16px}
/* KPI 2x2 */
.sk-kpis{grid-template-columns:1fr 1fr;gap:8px;margin-top:20px}
.sk-kpi{padding:11px 8px}
.sk-kpi-n{font-size:19px}
.sk-kpi-l{font-size:12px}
/* Sections */
.sk-sec{padding:34px 0}
.sk-sec h2{font-size:22px}
.sk-lead{font-size:16px;margin-bottom:20px}
.sk-grid--2,.sk-grid--3,.sk-grid--4{grid-template-columns:1fr}
.sk-grid{gap:11px}
.sk-card{padding:16px}
.sk-card--mini{padding:13px 15px}
.sk-steps{grid-template-columns:1fr;gap:10px}
.sk-step{padding:15px;display:grid;grid-template-columns:34px 1fr;column-gap:13px;align-items:center}
.sk-step-n{grid-row:span 2}
.sk-step b{margin:0}
.sk-step p{grid-column:2;font-size:14px}
/* Glossar-Grid auf Mobile 2-spaltig lassen (kurze Kacheln) */
.sk-grid--3.sk-grid--tight{grid-template-columns:1fr 1fr;gap:9px}
.sk-grid--3.sk-grid--tight .sk-card-d{display:none}
/* Tabelle scrollbar mit Hinweis */
.sk-table th,.sk-table td{padding:10px 11px;font-size:13.5px}
.sk-tablewrap{margin:0 -16px;padding:0 16px}
/* Content-Tabellen mobil: Karten-Layout statt Quetschung */
.sk-prose table,.sk-prose thead,.sk-prose tbody,.sk-prose tr,.sk-prose th,.sk-prose td{display:block}
.sk-prose table{border-radius:0;border:0;box-shadow:none;background:transparent}
.sk-prose table thead{display:none}
.sk-prose table tr{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:12px 14px;box-shadow:0 2px 8px rgba(11,37,69,.05)}
.sk-prose table tr:nth-child(even) td{background:transparent}
.sk-prose table td{border:0;padding:3px 0;font-size:15px;display:flex;justify-content:space-between;gap:14px;align-items:baseline}
.sk-prose table td:first-child{font-weight:800;color:var(--blue);font-size:15.5px;padding-bottom:7px;display:block}
.sk-prose table td:last-child{text-align:right}
.sk-prose table td:not(:first-child)::before{content:attr(data-l);color:var(--mut);font-size:13.5px;font-weight:600}
/* Linkcloud kompakter */
.sk-linkcloud{gap:6px}
.sk-linkcloud a{padding:6px 11px;font-size:13.5px}
.sk-bezirk-h{font-size:16px}
/* FAQ */
.sk-faq-i summary{padding:13px 42px 13px 15px;font-size:15.5px;line-height:1.4}
.sk-faq-a{padding:0 15px 13px;font-size:15px}
/* CTA-Box gestapelt */
.sk-ctabox{padding:20px;flex-direction:column;align-items:stretch;text-align:center;gap:14px;margin:26px 0}
.sk-ctabox-t{font-size:16.5px}
.sk-ctabox .sk-btn{justify-content:center}
/* Prose */
.sk-prose h2{margin-top:26px}
.sk-defbox{font-size:16px;padding:15px 16px}
.sk-azbar a{width:31px;height:31px;font-size:13px}
/* Prefoot + Footer */
.sk-prefoot-in{flex-direction:column;align-items:stretch;text-align:center;gap:14px;padding:20px 16px;font-size:15.5px}
.sk-prefoot-in .sk-btn{justify-content:center}
.sk-foot{padding:32px 0 0}
.sk-foot-grid{grid-template-columns:1fr 1fr;gap:22px;padding-bottom:24px}
.sk-foot-grid>div:first-child{grid-column:1/-1}
/* Sticky Call */
.sk-stickycall{display:block;position:fixed;left:0;right:0;bottom:0;z-index:99;background:var(--yellow);text-align:center;padding:14px;font-weight:900;color:var(--blue);text-decoration:none;font-size:16.5px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
}
@media(max-width:400px){
.sk-hero h1{font-size:26px}
.sk-hero-price{flex-direction:column;align-items:flex-start;gap:6px}
.sk-trust-i{font-size:12.5px}
}