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0;overflow-x:auto}.ratgeber-module__1PA2IW__table{border-collapse:collapse;width:100%;font-size:.96rem}.ratgeber-module__1PA2IW__table th,.ratgeber-module__1PA2IW__table td{text-align:left;border-bottom:1px solid var(--line-strong);padding:13px 18px;line-height:1.45}.ratgeber-module__1PA2IW__table thead th{background:var(--surface-muted);font-family:var(--font-ui);color:var(--navy);font-weight:700}.ratgeber-module__1PA2IW__table tbody tr:last-child td{border-bottom:none}.ratgeber-module__1PA2IW__table tbody td:first-child{font-family:var(--font-ui);color:var(--navy);white-space:nowrap;font-weight:600}.ratgeber-module__1PA2IW__faqSection{margin-top:52px}.ratgeber-module__1PA2IW__faqHead{font-family:var(--font-display);letter-spacing:-.02em;color:var(--navy);margin-bottom:20px;font-size:clamp(1.5rem,3vw,2rem);font-weight:400}.ratgeber-module__1PA2IW__faqWrap{border:1px solid var(--line-strong);border-radius:var(--radius-lg);background:var(--surface);overflow:hidden}.ratgeber-module__1PA2IW__faqItem{border-bottom:1px solid var(--line-strong);padding:0 24px}.ratgeber-module__1PA2IW__faqItem:last-child{border-bottom:none}.ratgeber-module__1PA2IW__faqItem[open]{background:var(--surface-muted)}.ratgeber-module__1PA2IW__faqSummary{cursor:pointer;justify-content:space-between;align-items:flex-start;gap:20px;padding:19px 0;list-style:none;display:flex}.ratgeber-module__1PA2IW__faqSummary::-webkit-details-marker{display:none}.ratgeber-module__1PA2IW__faqSummary:focus-visible{outline:2px solid var(--amber);outline-offset:3px;border-radius:6px}.ratgeber-module__1PA2IW__faqQ{font-family:var(--font-ui);color:var(--navy);font-size:1rem;font-weight:600;line-height:1.4}.ratgeber-module__1PA2IW__faqToggle{background:var(--surface-soft);width:28px;height:28px;color:var(--navy);transition:transform .2s var(--ease),background .2s var(--ease),color .2s var(--ease);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;display:inline-flex}.ratgeber-module__1PA2IW__faqItem[open] .ratgeber-module__1PA2IW__faqToggle{background:var(--status-warning-bg);color:var(--amber-text);transform:rotate(45deg)}.ratgeber-module__1PA2IW__faqA{color:var(--text-body);max-width:62ch;padding:0 0 21px;font-size:.98rem;line-height:1.65}.ratgeber-module__1PA2IW__ctaBox{background:var(--navy);color:#fff;border-radius:var(--radius-xl);text-align:center;margin-top:52px;padding:40px;position:relative;overflow:hidden}.ratgeber-module__1PA2IW__ctaGlow{background:radial-gradient(circle,var(--amber-glow),transparent 70%);pointer-events:none;width:480px;height:280px;position:absolute;inset:auto 50% -60% auto;transform:translate(50%)}.ratgeber-module__1PA2IW__ctaTitle{font-family:var(--font-display);font-size:clamp(1.5rem,3vw,2rem);font-weight:400;line-height:1.15;position:relative}.ratgeber-module__1PA2IW__ctaText{color:#fffc;max-width:38rem;margin:12px auto 0;font-size:1rem;line-height:1.6;position:relative}.ratgeber-module__1PA2IW__ctaButtons{flex-wrap:wrap;justify-content:center;gap:14px;margin-top:26px;display:flex;position:relative}.ratgeber-module__1PA2IW__related{margin-top:56px}.ratgeber-module__1PA2IW__relatedTitle{font-family:var(--font-ui);letter-spacing:.1em;text-transform:uppercase;color:var(--text-muted);margin-bottom:18px;font-size:.78rem;font-weight:700}.ratgeber-module__1PA2IW__cardGrid{grid-template-columns:repeat(2,1fr);gap:18px;display:grid}@media (max-width:640px){.ratgeber-module__1PA2IW__cardGrid{grid-template-columns:1fr}}.ratgeber-module__1PA2IW__card{background:var(--surface);border:1px solid var(--line-strong);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);transition:transform .22s var(--ease),box-shadow .22s var(--ease),border-color .22s var(--ease);flex-direction:column;gap:10px;padding:24px 26px;display:flex}.ratgeber-module__1PA2IW__card:hover{box-shadow:var(--shadow-md);border-color:#f59e0b4d;transform:translateY(-3px)}.ratgeber-module__1PA2IW__cardCategory{font-family:var(--font-ui);letter-spacing:.08em;text-transform:uppercase;color:var(--amber-text);font-size:.72rem;font-weight:700}.ratgeber-module__1PA2IW__cardTitle{font-family:var(--font-display);color:var(--navy);font-size:1.25rem;font-weight:400;line-height:1.2}.ratgeber-module__1PA2IW__cardDesc{color:var(--text-muted);font-size:.92rem;line-height:1.55}.ratgeber-module__1PA2IW__cardMeta{font-family:var(--font-ui);color:var(--amber-text);transition:gap .2s var(--ease);align-items:center;gap:7px;margin-top:auto;font-size:.85rem;font-weight:700;display:inline-flex}.ratgeber-module__1PA2IW__card:hover .ratgeber-module__1PA2IW__cardMeta{gap:11px}.ratgeber-module__1PA2IW__hubHead{max-width:640px;margin-bottom:44px}.ratgeber-module__1PA2IW__hubH1{font-family:var(--font-display);letter-spacing:-.02em;color:var(--navy);font-size:clamp(2.2rem,5vw,3.2rem);font-weight:400;line-height:1.05}.ratgeber-module__1PA2IW__hubSub{color:var(--text-muted);margin-top:18px;font-size:1.15rem;line-height:1.6}