.ratgeber-design{--mist:#f3f7fa;--sky:#e6eff6;--navy:#014777;--ink:#2b3a47;--muted:#5b6b78;--coral:#fd6a54;--coral-press:#e04a35;--shadow:0 18px 50px -24px #01477747;color:var(--ink);font-family:Open Sans,ui-sans-serif,system-ui,sans-serif;font-size:1.0625rem;line-height:1.7}.ratgeber-design .wrap{max-width:1120px;margin-inline:auto;padding-inline:20px}.ratgeber-design .btn{background:var(--coral);color:#fff;white-space:nowrap;border-radius:12px;justify-content:center;align-items:center;min-height:52px;padding:0 26px;font-weight:700;text-decoration:none;display:inline-flex}.ratgeber-design .btn:hover{background:var(--coral-press)}.ratgeber-design .btn--small{min-height:42px;padding:0 18px;font-size:.9375rem}.rg-hub{gap:40px;padding-block:40px 80px;display:grid}.rg-karten{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;display:grid}.rg-karten--3{grid-template-columns:repeat(3,minmax(0,1fr))}.rg-karte{color:var(--ink);background:#fff;border-radius:20px;flex-direction:column;text-decoration:none;transition:transform .2s,box-shadow .2s;display:flex;overflow:hidden;box-shadow:0 14px 36px -24px #01477759,0 0 0 1px #e3eaf0}.rg-karte img{aspect-ratio:4/3;object-fit:cover;border-bottom:1px solid #e3eaf0;width:100%;height:auto;display:block}.rg-karte__text{align-content:start;gap:8px;padding:20px 22px 22px;display:grid}.rg-karte:hover{box-shadow:var(--shadow);transform:translateY(-2px)}.rg-kat{color:var(--coral-press);font-size:.875rem;font-weight:700}.rg-karte b{color:var(--navy);font-size:1.1875rem;line-height:1.3}.rg-ex{color:var(--muted);font-size:.9375rem;line-height:1.55}.rg-meta{color:var(--navy);font-size:.8125rem;font-weight:600}@media (width<=1023px){.rg-karten--3{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (width<=640px){.rg-karten,.rg-karten--3{grid-template-columns:1fr}}.rg-cta{background:var(--sky);border-radius:28px;grid-template-columns:150px 1fr;align-items:center;gap:28px;padding:28px 32px;display:grid}.rg-cta h2{color:var(--navy);margin:0 0 8px;font-size:1.5rem;line-height:1.2}.rg-cta p{margin:0 0 16px}.rg-cta-kicker{color:var(--coral-press);font-size:.9375rem;font-weight:700;margin:0 0 6px!important}.rg-cta-mini{width:150px}@media (width<=600px){.rg-cta{grid-template-columns:1fr;padding:24px}.rg-cta-mini{margin:0 auto}}.rg-crumb{color:var(--muted);margin:0 0 4px;font-size:.875rem}.rg-crumb a{color:var(--muted);text-decoration:none}.rg-byline{color:var(--muted);align-items:center;gap:12px;margin:0;font-size:.9375rem;display:flex}.rg-byline img{object-fit:contain;background:var(--mist);border-radius:8px;width:60px;height:45px}.rg-art{grid-template-columns:260px minmax(0,760px);align-items:start;gap:56px;padding-block:40px 64px;display:grid}.rg-art>*{min-width:0}.rg-toc{gap:12px;font-size:.9375rem;display:grid;position:sticky;top:96px}.rg-toc>p{color:var(--navy);margin:0;font-weight:700}.rg-toc ol{gap:8px;margin:0;padding:0 0 0 18px;display:grid}.rg-toc a{color:var(--ink);text-decoration:none}.rg-toc-cta{background:var(--mist);border-radius:16px;gap:8px;margin-top:12px;padding:18px;display:grid}.rg-toc-cta b{color:var(--navy)}.rg-toc-cta span{color:var(--muted);font-size:.875rem;line-height:1.5}@media (width<=960px){.rg-art{grid-template-columns:1fr;gap:24px}.rg-toc{position:static}}.rg-prose{overflow-wrap:anywhere}.rg-prose h2{color:var(--navy);letter-spacing:-.015em;margin:44px 0 12px;scroll-margin-top:96px;font-size:clamp(1.5rem,2.4vw,1.875rem);line-height:1.2}.rg-prose h3{color:var(--navy);margin:28px 0 8px;font-size:1.1875rem}.rg-prose p{margin:0 0 16px}.rg-prose ul,.rg-prose ol{margin:0 0 16px;padding-left:22px}.rg-prose li{margin-bottom:6px}.rg-prose table{border-collapse:separate;border-spacing:0;width:100%;max-width:100%;margin:8px 0 24px;font-size:.9375rem;line-height:1.5;display:block;overflow-x:auto}.rg-prose th,.rg-prose td{text-align:left;vertical-align:top;padding:12px 14px}.rg-prose thead th{color:var(--navy);background:var(--sky);font-weight:700}.rg-prose thead th:first-child{border-radius:12px 0 0}.rg-prose thead th:last-child{border-radius:0 12px 0 0}.rg-prose tbody tr:nth-child(2n) td{background:var(--mist)}.rg-prose a{color:var(--navy);text-underline-offset:3px;text-decoration-thickness:1px}.rg-autor{background:var(--mist);border-radius:20px;grid-template-columns:160px 1fr;align-items:center;gap:20px;margin-top:40px;padding:20px;display:grid}.rg-autor img{object-fit:contain;background:#fff;border-radius:16px;width:160px;height:120px}.rg-autor b{color:var(--navy);display:block}.rg-autor span{color:var(--muted);font-size:.9375rem}@media (width<=560px){.rg-autor{grid-template-columns:1fr}}.rg-related{padding-bottom:72px}.rg-related h2{color:var(--navy);margin:0 0 16px}.rg-bild{border-radius:20px;margin:0 0 24px;overflow:hidden;box-shadow:0 0 0 1px #e3eaf0}.rg-bild img{width:100%;height:auto;display:block}.rg-kurz{border-left:4px solid var(--coral);background:#fff1ee;border-radius:0 16px 16px 0;margin:0 0 28px;padding:18px 22px}.rg-kurz b{color:var(--coral-press);margin-bottom:4px;font-size:.9375rem;display:block}.rg-kurz p{color:var(--ink);margin:0;font-size:1.0625rem}.rg-banner{background:var(--navy);color:#fff;background-image:linear-gradient(#ffffff14 1px,#0000 1px),linear-gradient(90deg,#ffffff14 1px,#0000 1px);background-size:24px 24px;border-radius:24px;grid-template-columns:150px minmax(0,1fr);align-items:center;gap:24px;margin:36px 0;padding:26px 28px;display:grid}.rg-banner__kicker{color:#ffb3a6;margin:0 0 4px;font-size:.9375rem;font-weight:700}.rg-banner__titel{color:#fff;margin:0 0 12px;font-size:1.375rem;font-weight:800;line-height:1.25}.rg-banner ul{gap:6px;margin:0 0 12px;padding:0;list-style:none;display:grid}.rg-banner li{color:#ffffffe6;align-items:flex-start;gap:8px;font-size:.9375rem;display:flex}.rg-banner li svg{color:var(--coral);flex:none;margin-top:2px}.rg-banner__preis{color:#fffc;margin:0 0 14px;font-size:.875rem}.rg-banner__knoepfe{flex-wrap:wrap;align-items:center;gap:16px;display:flex}.rg-banner__zweit{color:#fff;text-underline-offset:3px;font-weight:700}.rg-notiz{background:var(--mist);border-left:4px solid var(--coral);border-radius:0 16px 16px 0;margin-top:40px;padding:18px 22px}.rg-notiz b{color:var(--navy);margin-bottom:4px;display:block}.rg-notiz p{margin:0}.rg-autor ul{color:var(--ink);margin:8px 0;padding-left:18px;font-size:.875rem}.rg-autor__pe{color:#726542;margin-bottom:6px;font-size:.875rem;display:inline-block}.rg-autor__pe span{color:#ab9044;letter-spacing:1px}.rg-autor__text{display:block}.rg-abschluss{background:#e6eff6;border-radius:24px;grid-template-columns:130px minmax(0,1fr);align-items:center;gap:22px;margin-top:32px;padding:24px 28px;display:grid}.rg-abschluss__titel{color:var(--navy);margin:0 0 6px;font-size:1.25rem;font-weight:800}.rg-abschluss p{margin:0 0 14px}@media (width<=600px){.rg-banner,.rg-abschluss{grid-template-columns:1fr}.rg-banner__box,.rg-abschluss__box{max-width:140px}}.rg-prose .rg-banner a.rg-banner__zweit{color:#fff}.rg-prose .rg-banner a.btn,.rg-prose .rg-abschluss a.btn{color:#fff;text-decoration:none}.rg-autor ul{list-style:outside}.rg-fig{background:#fff;border-radius:18px;margin:28px 0;overflow:hidden;box-shadow:0 0 0 1px #e3eaf0}.rg-fig img{width:100%;height:auto;display:block}.rg-fig figcaption{color:#5b6b78;border-top:1px solid #eef2f6;padding:12px 16px;font-size:14px;line-height:1.5}