.av-risk-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;max-width:1100px;margin:0 auto}.av-risk-card{background:var(--surface-paper);border:1px solid var(--line);border-radius:var(--radius-md);padding:36px;transition:all .2s cubic-bezier(.2,0,0,1)}.av-risk-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-soft);border-color:#0e5e5540}.av-risk-icon{width:44px;height:44px;border-radius:10px;background:var(--teal-pale);color:var(--teal);display:inline-flex;align-items:center;justify-content:center;margin-bottom:22px;transition:transform .2s}.av-risk-card:hover .av-risk-icon{transform:rotate(-6deg)}.av-risk-title{font-family:var(--font-display);font-size:19px;font-weight:600;letter-spacing:-.02em;line-height:1.2;margin:0 0 12px;color:var(--ink)}.av-risk-body{font-size:14px;line-height:1.65;color:var(--ink-soft);margin:0}.av-time-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:0 auto 28px;max-width:920px}.av-time-card{background:var(--surface-paper);border:1px solid var(--line);border-radius:var(--radius-md);padding:32px;transition:all .2s cubic-bezier(.2,0,0,1)}.av-time-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-soft)}.av-time-card.early{border-color:#0e5e5559;background:var(--teal-pale)}.av-time-card.late{border-color:#e5915459;background:#e591540f}.av-time-label{font-family:var(--font-mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;font-weight:600;margin-bottom:6px}.av-time-card.early .av-time-label{color:var(--teal)}.av-time-card.late .av-time-label{color:var(--gold)}.av-time-sub{font-size:13px;color:var(--ink-soft);margin:0 0 16px}.av-time-amount{font-family:var(--font-display);font-size:clamp(36px,2rem + 1.2vw,48px);font-weight:600;letter-spacing:-.034em;line-height:1;margin-bottom:4px;font-variant-numeric:tabular-nums}.av-time-card.early .av-time-amount{color:var(--teal)}.av-time-card.late .av-time-amount{color:var(--gold)}.av-time-unit{font-size:13px;color:var(--ink-faint);margin:0 0 4px}.av-time-einzahlung{font-size:12px;color:var(--ink-faint);margin:0 0 14px}.av-time-body{font-size:13.5px;line-height:1.65;color:var(--ink-soft);margin:0}.av-time-disclaimer{font-size:12px;color:var(--ink-faint);max-width:920px;margin:0 auto 28px;text-align:center}.av-compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:0 auto 28px;max-width:920px}.av-compare-card{background:var(--surface-paper);border:1px solid var(--line);border-radius:var(--radius-md);padding:32px;transition:all .2s cubic-bezier(.2,0,0,1)}.av-compare-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-soft)}.av-compare-icon{width:44px;height:44px;border-radius:10px;background:var(--teal-pale);color:var(--teal);display:inline-flex;align-items:center;justify-content:center;margin-bottom:22px}.av-compare-title{font-family:var(--font-display);font-size:18px;font-weight:600;letter-spacing:-.02em;line-height:1.2;margin:0 0 12px;color:var(--ink)}.av-compare-body{font-size:14px;line-height:1.65;color:var(--ink-soft);margin:0}.av-endvermogen-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;max-width:920px;margin:0 auto 20px}.av-endvermogen-card{background:var(--surface-paper);border:1px solid var(--line);border-radius:var(--radius-md);padding:32px}.av-endvermogen-card.highlight{background:var(--teal-pale);border:2px solid var(--teal);box-shadow:var(--shadow-soft);position:relative}.av-endvermogen-tag{position:absolute;top:-14px;right:20px;background:var(--teal);color:var(--ink-inverse);font-family:var(--font-mono);font-size:10px;letter-spacing:.14em;text-transform:uppercase;font-weight:600;padding:4px 14px;border-radius:999px}.av-endvermogen-label{font-family:var(--font-mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:16px;font-weight:500}.av-endvermogen-card.highlight .av-endvermogen-label{color:var(--teal)}.av-endvermogen-amount{font-family:var(--font-display);font-size:clamp(32px,1.8rem + 1vw,44px);font-weight:600;letter-spacing:-.034em;line-height:1;margin-bottom:6px;font-variant-numeric:tabular-nums;color:var(--ink-soft)}.av-endvermogen-card.highlight .av-endvermogen-amount{color:var(--teal)}.av-endvermogen-meta{font-size:12px;color:var(--ink-faint);margin:0 0 14px}.av-endvermogen-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:7px}.av-endvermogen-list li{font-size:13px;color:var(--ink-soft);padding-left:16px;position:relative;line-height:1.5}.av-endvermogen-list li:before{content:"";position:absolute;left:1px;top:8px;width:5px;height:5px;border-radius:999px;background:var(--ink-faint)}.av-endvermogen-card.highlight .av-endvermogen-list li:before{background:var(--teal)}.av-delta{font-family:var(--font-display);font-size:clamp(20px,1.2rem + .6vw,28px);font-weight:600;color:var(--teal);text-align:center;margin:0 auto 6px;max-width:920px}.av-delta-sub{font-size:14px;color:var(--ink-soft);text-align:center;margin:0 auto 24px;max-width:620px}.av-produkte-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;max-width:920px;margin:0 auto 32px}.av-produkt-card{background:var(--surface-paper);border:1px solid var(--line);border-radius:var(--radius-md);padding:32px;position:relative;transition:all .2s cubic-bezier(.2,0,0,1)}.av-produkt-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-soft);border-color:#0e5e5540}.av-produkt-card.featured{border:2px solid var(--teal);background:var(--teal-pale);box-shadow:var(--shadow-soft)}.av-produkt-tag{position:absolute;top:-14px;right:20px;background:var(--teal);color:var(--ink-inverse);font-family:var(--font-mono);font-size:10px;letter-spacing:.14em;text-transform:uppercase;font-weight:600;padding:4px 14px;border-radius:999px}.av-produkt-icon{width:44px;height:44px;border-radius:10px;background:var(--teal-pale);color:var(--teal);display:inline-flex;align-items:center;justify-content:center;margin-bottom:20px}.av-produkt-card.featured .av-produkt-icon{background:#2db3a038;color:var(--teal-glow)}.av-produkt-title{font-family:var(--font-display);font-size:20px;font-weight:600;letter-spacing:-.02em;line-height:1.2;margin:0 0 8px;color:var(--ink)}.av-produkt-sub{font-size:13px;color:var(--ink-soft);margin:0 0 18px;line-height:1.5}.av-check-list,.av-cross-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:8px}.av-check-list li,.av-cross-list li{display:flex;align-items:flex-start;gap:8px;font-size:13.5px;line-height:1.5}.av-check-list li{color:var(--ink-soft)}.av-cross-list li{color:var(--crimson)}.av-check-icon{width:16px;height:16px;color:var(--teal);flex-shrink:0;margin-top:2px}.av-cross-icon{width:16px;height:16px;color:var(--crimson);flex-shrink:0;margin-top:2px}.av-empfehlung-block{border-left:3px solid var(--teal);background:var(--teal-pale);padding:22px 24px;border-radius:0 var(--radius) var(--radius) 0;max-width:920px;margin:0 auto 24px}.av-empfehlung-block h4{font-family:var(--font-display);font-size:16px;font-weight:600;color:var(--ink);margin:0 0 8px;letter-spacing:-.015em}.av-empfehlung-block p{font-size:14px;color:var(--ink-soft);line-height:1.6;margin:0}.av-hinweis-block{border-left:3px solid var(--line);padding:16px 20px;border-radius:0 var(--radius) var(--radius) 0;max-width:920px;margin:0 auto}.av-hinweis-block h4{font-family:var(--font-display);font-size:14px;font-weight:600;color:var(--ink);margin:0 0 6px}.av-hinweis-block p{font-size:13.5px;color:var(--ink-soft);line-height:1.6;margin:0}.av-ablauf-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;max-width:860px;margin:0 auto 40px}.av-ablauf-card{background:var(--surface-paper);border:1px solid var(--line);border-radius:var(--radius-md);padding:32px;display:flex;flex-direction:column;gap:14px;transition:all .2s cubic-bezier(.2,0,0,1)}.av-ablauf-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-soft);border-color:#0e5e5540}.av-ablauf-card-top{display:flex;justify-content:space-between;align-items:flex-start}.av-ablauf-num{font-family:var(--font-accent);font-style:italic;font-size:56px;font-weight:600;color:var(--teal);line-height:1;opacity:.22;letter-spacing:-.04em}.av-ablauf-time{font-family:var(--font-mono);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);background:var(--teal-pale);padding:4px 12px;border-radius:999px;white-space:nowrap;font-weight:500;margin-top:8px}.av-ablauf-title{font-family:var(--font-display);font-size:17px;font-weight:600;letter-spacing:-.02em;line-height:1.25;margin:0;color:var(--ink)}.av-ablauf-body{font-size:13.5px;line-height:1.65;color:var(--ink-soft);margin:0;flex:1}.av-personas-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;max-width:1100px;margin:0 auto}.av-persona-card{background:var(--surface-paper);border:1px solid var(--line);border-radius:var(--radius-md);padding:32px;display:flex;flex-direction:column;transition:all .2s cubic-bezier(.2,0,0,1)}.av-persona-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-soft);border-color:#0e5e5540}.av-persona-icon{width:44px;height:44px;border-radius:10px;background:var(--teal-pale);color:var(--teal);display:inline-flex;align-items:center;justify-content:center;margin-bottom:20px}.av-persona-title{font-family:var(--font-display);font-size:19px;font-weight:600;letter-spacing:-.02em;line-height:1.2;margin:0 0 12px;color:var(--ink)}.av-persona-body{font-size:14px;line-height:1.65;color:var(--ink-soft);margin:0 0 22px;flex:1}.av-warn-box{background:#e591540f;border:1px solid rgba(229,145,84,.3);border-radius:var(--radius);padding:18px 20px;font-size:14px;color:var(--ink-soft);line-height:1.6;max-width:920px;margin:0 auto}.av-info-box{background:var(--teal-pale);border:1px solid rgba(14,94,85,.25);border-radius:var(--radius);padding:18px 20px;font-size:14px;color:var(--ink-soft);line-height:1.6;max-width:920px;margin:0 auto}@media(max-width:1100px){.av-personas-grid{grid-template-columns:1fr 1fr}}@media(max-width:900px){.av-risk-grid,.av-time-grid,.av-compare-grid,.av-endvermogen-grid,.av-produkte-grid,.av-ablauf-grid,.av-personas-grid{grid-template-columns:1fr}}@media(max-width:640px){.av-ablauf-grid{grid-template-columns:1fr}}