/* ── ratgeber.css — Siegle-Skin für das geteilte Ratgeber-Skelett (bin/ratgeber/lib/skeleton.css) ──
   Struktur-Klassen .rga- und .rgo- kommen aus dem Builder. (Achtung: kein Stern-Slash im Kommentar, er beendet ihn vorzeitig.)
   (1) Token-Mapping auf tokens.css (Orange nur als Marker, Graphit, Papier, Nunito Sans, 2px-Kante),
   (2) Skelett 1:1, (3) Siegle-Abweichungen NACH dem Skelett (Block von Barking übernommen, gleiche Orange-Logik).
   Bei Skeleton-Änderung neu konkatenieren (DW-/Senger-/Neckar-/Barking-Muster).
   Kontrast: Orange #FF7433 auf Papier trägt nur Headline-Akzente und Flächen, keinen Fließtext-Link. */
:root{
  --rg-bg: var(--surface-light);
  --rg-bg-soft: var(--surface-light-2);
  --rg-ink: var(--text-on-light);
  --rg-ink-soft: color-mix(in srgb, var(--text-on-light) 86%, var(--surface-light));
  --rg-ink-muted: var(--text-on-light-dim);
  --rg-border: var(--border-light);
  --rg-border-strong: var(--brand);
  --rg-accent: var(--brand);
  --rg-accent-deep: var(--text-on-light);
  --rg-on-accent: var(--text-on-dark);
  --rg-cta-soft: var(--text-on-dark-dim);
  --rg-check: var(--brand);
  --rg-ph-grad-1: var(--surface-light);
  --rg-ph-grad-2: var(--border-light);
  --rg-font-display: var(--font-display);
  --rg-font-sans: var(--font-text);
  --rg-radius: var(--radius);
  --rg-ease: var(--ease);
  --shadow-card: 0 1px 0 rgba(38,40,43,.04);
  --shadow-float: 0 14px 34px -18px rgba(38,40,43,.28);
}

/* ── Ratgeber-Skelett (.rga-*) — neutrale Fassung des generalisierten Builders ──
   Für css_mode "file": unter dem Kunden-Skin konkatenieren. Definiert KEINE Werte —
   der Kunden-Skin muss folgende Variablen setzen:
   --rg-bg, --rg-bg-soft, --rg-ink, --rg-ink-soft, --rg-ink-muted,
   --rg-border, --rg-border-strong, --rg-accent, --rg-accent-deep,
   --rg-font-display, --rg-font-sans, --rg-check, --rg-ph-grad-1, --rg-ph-grad-2,
   --rg-radius, --rg-ease, --rg-on-accent (Text auf Akzent/Ink-Flächen),
   --rg-cta-soft (heller Fließtext auf dunkler CTA-Fläche).
   Quelle: AusBlick-RGA_CSS (byte-identischer Golden-Stand), Site-Tokens mechanisch -> --rg-*. */
  /* ── Ratgeber-Artikel (.rga-*) ── */
  .rga-kopf{background:var(--rg-bg)}
  .rga-kopf h1{font-family:var(--rg-font-display);font-weight:500;font-size:clamp(30px,3.4vw,46px);line-height:1.12;color:var(--rg-ink);margin:16px 0 0;max-width:48ch;text-wrap:balance}
  .rga-kopf h1 em,.rga-kap h2 em,.rga-cta h2 em{font-style:italic;color:var(--rg-accent)}
  .rga-autorline{display:flex;flex-wrap:wrap;align-items:center;gap:10px 26px;margin:22px 0 28px;padding-bottom:20px;border-bottom:1px solid var(--rg-border);font-family:var(--rg-font-sans);font-size:13.5px;color:var(--rg-ink-muted)}
  .rga-autorline b{color:var(--rg-ink);font-weight:700}
  .rga-autorline i{font-style:normal;color:var(--rg-border-strong);margin:0 2px}
  .rga-al-autor{display:inline-flex;align-items:center;gap:9px}
  .rga-al-foto{width:34px;height:34px;border-radius:50%;background:linear-gradient(135deg,var(--rg-ph-grad-1),var(--rg-ph-grad-2));border:1px solid var(--rg-border);flex:0 0 auto}
  .rga-al-foto--logo,.rga-autor-foto--logo{background-color:var(--rg-bg-soft)!important;border:1px solid var(--rg-border)}
  .rga-al-fotos{display:inline-flex}.rga-al-fotos .rga-al-foto+.rga-al-foto{margin-left:-10px;box-shadow:0 0 0 2px var(--rg-bg)}
  .rga-autor-fotos{display:flex;flex:0 0 auto}.rga-autor-fotos .rga-autor-foto+.rga-autor-foto{margin-left:-18px;box-shadow:0 0 0 3px var(--rg-bg)}
  .rga-al-check{display:inline-flex;align-items:center;gap:7px}
  .rga-al-check svg{width:15px;height:15px;color:var(--rg-check)}
  .rga-al-stand{display:inline-flex;align-items:center;gap:6px}
  .rga-lead{max-width:66ch;font-size:18px;line-height:1.65;color:var(--rg-ink-muted);margin:0 0 26px}
  .rga-kurz{background:var(--rg-bg-soft);border:1px solid var(--rg-border);border-left:3px solid var(--rg-accent);border-radius:var(--rg-radius);padding:24px 26px;margin:28px 0 22px;max-width:820px}
  .rga-kurz h2{font-family:var(--rg-font-sans);font-weight:700;font-size:16px;letter-spacing:.02em;margin:0 0 12px;color:var(--rg-ink)}
  .rga-kurz ul{list-style:disc;margin:0;padding-left:19px;display:grid;gap:9px} /* list-style explizit: Kunden-Basis-CSS setzt oft ul{list-style:none} (Aruna base.css, Karim 14.09.) */
  .rga-kurz li{font-size:15.5px;line-height:1.6;color:var(--rg-ink-soft)}
  .rga-toc{position:fixed;left:clamp(16px,2vw,40px);top:50%;transform:translateY(-50%);z-index:30;width:238px;display:none;background:color-mix(in srgb,var(--rg-bg) 96%,transparent);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border:1px solid var(--rg-border);border-radius:13px;padding:18px 14px;box-shadow:0 18px 44px rgba(0,0,0,.10)}
  .rga-toc{transition:opacity .25s var(--rg-ease)}.rga-toc.is-off{opacity:0;pointer-events:none}
  @media(min-width:1400px){.rga-toc{display:block}}
  .rga-toc-title{font-family:var(--rg-font-sans);font-weight:700;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--rg-ink-muted);margin:0 0 12px}
  .rga-toc ol,.rga-fab-panel ol{list-style:none;margin:0;padding:0;counter-reset:rgatoc;display:grid;gap:2px}
  .rga-toc li,.rga-fab-panel li{counter-increment:rgatoc}
  .rga-toc a,.rga-fab-panel a{display:flex;gap:10px;align-items:baseline;font-family:var(--rg-font-sans);font-size:13.5px;line-height:1.4;color:var(--rg-ink-soft);text-decoration:none;padding:7px 10px;border-left:2px solid var(--rg-border);transition:color .2s,border-color .2s,background .2s}
  .rga-toc a::before,.rga-fab-panel a::before{content:counter(rgatoc,decimal-leading-zero);font-size:11px;color:var(--rg-ink-muted);font-variant-numeric:tabular-nums}
  .rga-toc a:hover{color:var(--rg-ink)}
  .rga-toc a.is-active,.rga-fab-panel a.is-active{border-left-color:var(--rg-accent);color:var(--rg-ink);background:color-mix(in srgb,var(--rg-accent) 7%,transparent)}
  .rga-toc a.is-active::before,.rga-fab-panel a.is-active::before{color:var(--rg-accent)}
  .rga-fab{position:fixed;right:18px;bottom:96px;z-index:60;width:54px;height:54px;border-radius:50%;border:0;background:var(--rg-ink);color:var(--rg-on-accent);display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 12px 30px rgba(0,0,0,.25)}
  .rga-fab svg{width:22px;height:22px}
  @media(min-width:1400px){.rga-fab{display:none}}
  .rga-fab-panel{position:fixed;right:18px;bottom:160px;z-index:60;width:min(320px,calc(100vw - 36px));max-height:min(520px,calc(100dvh - 200px));overflow:auto;background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:13px;padding:18px 16px;box-shadow:0 24px 60px rgba(0,0,0,.22)}
  .rga-fab-panel a{border-left:0;border-radius:7px}
  .rga-kap,.rga-fakten,.rga-sonder,.rga-faq{scroll-margin-top:80px}
  @media(min-width:1400px){section.section>.container{margin-left:max(calc((100vw - 1140px)/2),296px);margin-right:auto;max-width:min(1140px,calc(100vw - 344px))}}
  .rga-jump a{font-family:var(--rg-font-sans);font-weight:600;font-size:13.5px;color:var(--rg-ink-soft);background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:999px;padding:8px 15px;text-decoration:none;transition:border-color .2s,color .2s}
  .rga-jump a:hover{border-color:var(--rg-accent);color:var(--rg-accent)}
  .rga-narrow{max-width:820px}
  .rga-kap h2{font-family:var(--rg-font-display);font-weight:500;font-size:clamp(26px,3vw,38px);line-height:1.16;color:var(--rg-ink);margin:0 0 18px;text-wrap:balance}
  .rga-prosa h3{font-family:var(--rg-font-sans);font-weight:700;font-size:19px;color:var(--rg-ink);margin:26px 0 8px}
  .rga-prosa p{font-size:16.5px;line-height:1.72;color:var(--rg-ink-soft);margin:0 0 14px}
  .rga-prosa ul{list-style:disc;margin:0 0 14px;padding-left:20px;display:grid;gap:7px}
  .rga-prosa ol{list-style:decimal;margin:0 0 14px;padding-left:22px;display:grid;gap:7px}
  .rga-prosa li{font-size:16px;line-height:1.65;color:var(--rg-ink-soft)}
  .rga-prosa a,.rga-faq-a a{color:var(--rg-accent);font-weight:600;text-decoration:underline;text-underline-offset:3px}
  .rga-media{margin:26px 0 0}
  .rga-media img{display:block;width:100%;aspect-ratio:16/8;object-fit:cover;border-radius:var(--rg-radius)}
  /* Native Infografiken (EPF-Infografik-Slots als HTML/CSS) */
  .rga-ig{border:1px solid var(--rg-border);border-radius:var(--rg-radius);background:var(--rg-bg);overflow:hidden}
  .rga-ig-inner{padding:26px 28px 22px}
  .rga-ig-titel{font-family:var(--rg-font-sans);font-weight:700;font-size:15px;color:var(--rg-ink);margin:0 0 18px}
  .rga-ig-fuss{font-size:13px;color:var(--rg-ink-muted);margin:18px 0 0;padding-top:14px;border-top:1px dashed var(--rg-border)}
  .rga-ig-balken{display:grid;gap:11px}
  .rga-igb{display:grid;grid-template-columns:minmax(0,240px) 1fr auto;gap:14px;align-items:center}
  .rga-igb-label{font-size:13.5px;color:var(--rg-ink-soft);line-height:1.35}
  .rga-igb-track{height:14px;border-radius:7px;background:var(--rg-bg-soft)}
  .rga-igb-bar{display:block;height:100%;border-radius:7px;background:var(--rg-accent);min-width:10px}
  .rga-igb--q .rga-igb-bar{background:var(--rg-border-strong);opacity:.55}
  .rga-igb-wert{font-size:13.5px;font-weight:700;color:var(--rg-ink);white-space:nowrap}
  .rga-igb--q .rga-igb-wert{font-weight:400;color:var(--rg-ink-muted);white-space:normal;max-width:210px}
  .rga-ig-karten{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
  /* Subgrid (§13): Trennlinie + Satz-Zeile in allen Karten auf exakt gleicher Höhe */
  .rga-igk{border:1px solid var(--rg-border);border-radius:9px;padding:18px;background:var(--rg-bg-soft);display:grid;grid-template-rows:subgrid;grid-row:span 3;gap:10px}
  .rga-igk-kl{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--rg-accent)}
  .rga-igk-wer{font-size:13.5px;color:var(--rg-ink);line-height:1.5;margin:0}
  .rga-igk-satz{font-size:12.5px;color:var(--rg-ink-muted);margin:0;padding-top:8px;border-top:1px dashed var(--rg-border)}
  .rga-ig-zeit{padding:6px 0 2px}
  .rga-igz-linie{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;position:relative}
  .rga-igz-linie::before{content:"";position:absolute;left:7px;right:calc(33.33% - 14px);top:7px;height:2px;background:var(--rg-border-strong)}
  .rga-igz-punkt{position:relative;padding-top:24px}
  .rga-igz-dot{position:absolute;top:0;left:0;width:16px;height:16px;border-radius:50%;background:var(--rg-bg);border:4px solid var(--rg-ink-soft)}
  .rga-igz-dot--erb{border-color:var(--rg-accent)}
  .rga-igz-dot--frei{border-color:var(--rg-check)}
  .rga-igz-lbl{font-size:13px;color:var(--rg-ink-muted);line-height:1.5}
  .rga-igz-lbl b{color:var(--rg-ink)}
  .rga-ig-flow{display:grid;gap:8px;justify-items:center;text-align:center}
  .rga-igf-box{border:1px solid var(--rg-border);border-radius:9px;background:var(--rg-bg-soft);padding:14px 20px;font-size:14px;color:var(--rg-ink-soft);max-width:560px}
  .rga-igf-box--akzent{background:var(--rg-bg);border-color:var(--rg-accent);color:var(--rg-ink)}
  .rga-igf-pfeil{color:var(--rg-accent);font-size:18px;line-height:1}
  .rga-igf-optionen{display:flex;gap:10px;flex-wrap:wrap;justify-content:center}
  .rga-igf-optionen span{border:1px dashed var(--rg-border-strong);border-radius:999px;padding:7px 16px;font-size:13px;color:var(--rg-ink-soft);background:var(--rg-bg)}
  @media(max-width:760px){
    .rga-igb{grid-template-columns:1fr;gap:6px}
    .rga-igb-track{order:3}
    .rga-igb--q .rga-igb-wert{max-width:none}
    .rga-ig-karten{grid-template-columns:1fr}
    .rga-igk{grid-template-rows:auto auto auto;grid-row:auto}
    .rga-igz-linie{grid-template-columns:1fr;gap:14px}
    .rga-igz-linie::before{left:7px;right:auto;top:7px;bottom:7px;width:2px;height:auto}
    .rga-igz-punkt{padding:0 0 0 30px}
    /* Linie endet am letzten Punkt (Abdeckung unterhalb des letzten Dots) */
    .rga-igz-punkt:last-child::after{content:"";position:absolute;left:0;top:16px;bottom:-14px;width:16px;background:var(--rg-bg)}
  }
  .rga-media-ph{aspect-ratio:16/8;border-radius:var(--rg-radius);background:linear-gradient(135deg,var(--rg-ph-grad-1),var(--rg-ph-grad-2));border:1px dashed var(--rg-border);display:flex;align-items:center;justify-content:center;padding:20px}
  .rga-media-ph span{font-size:13px;color:var(--rg-ink-muted);text-align:center;max-width:48ch}
  .rga-media--hero{margin:6px 0 0}
  .rga-fakten h2,.rga-sonder h2,.rga-faq h2,.rga-kontakt h2{font-family:var(--rg-font-display);font-weight:500;font-size:clamp(26px,3vw,38px);line-height:1.16;color:var(--rg-ink);margin:0 0 10px;text-wrap:balance}
  .rga-sub{max-width:66ch;font-size:16.5px;line-height:1.6;color:var(--rg-ink-muted);margin:0 0 26px}
  .rga-fakten--soft{background:var(--rg-bg-soft)}
  .rga-fact-rows{display:grid;gap:16px}
  .rga-fact-row{display:grid;gap:16px;justify-content:center}
  .rga-fact-row--1of1{grid-template-columns:minmax(0,760px)}
  .rga-fact-row--2of2{grid-template-columns:repeat(2,1fr)}
  .rga-fact-row--3of3{grid-template-columns:repeat(3,1fr)}
  .rga-fact-row--1of2{grid-template-columns:minmax(0,calc(50% - 8px))}
  .rga-fact-row--1of3{grid-template-columns:minmax(0,calc(33.33% - 11px))}
  .rga-fact-row--2of3{grid-template-columns:repeat(2,minmax(0,calc(33.33% - 11px)))}
  .rga-fact{display:grid;grid-template-rows:subgrid;grid-row:span 3;row-gap:0;align-content:start;background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:var(--rg-radius);padding:22px 20px;box-shadow:0 10px 26px rgba(0,0,0,.05)}
  .rga-fact-wert--lang{font-size:19px;line-height:1.25;font-weight:600}
  .rga-sf-rows{display:grid;gap:16px}
  .rga-sf-grid{display:grid;gap:16px;justify-content:center}
  .rga-sf-grid--3of3{grid-template-columns:repeat(3,1fr)}
  .rga-sf-grid--2of2{grid-template-columns:repeat(2,1fr)}
  .rga-sf-grid--1of1{grid-template-columns:minmax(0,760px)}
  .rga-sf-grid--2of3{grid-template-columns:repeat(2,minmax(0,calc(33.33% - 11px)))}
  .rga-sf-grid--1of3{grid-template-columns:minmax(0,calc(33.33% - 11px))}
  .rga-sf-grid--1of2{grid-template-columns:minmax(0,calc(50% - 8px))}
  .rga-sf{display:grid;grid-template-rows:subgrid;grid-row:span 3;row-gap:0;background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:var(--rg-radius);padding:22px 20px;box-shadow:0 10px 26px rgba(0,0,0,.05)}
  .rga-fact-wert{font-family:var(--rg-font-display);font-weight:600;font-size:26px;color:var(--rg-accent);margin:0 0 4px}
  .rga-fact-label{font-family:var(--rg-font-sans);font-weight:700;font-size:14.5px;color:var(--rg-ink);margin:0 0 8px}
  .rga-fact-erkl,.rga-sf p{font-size:14.5px;line-height:1.6;color:var(--rg-ink-soft);margin:0}
  .rga-hinweis{margin:20px 0 0;font-size:13.5px;color:var(--rg-ink-muted);max-width:76ch}
  .rga-cta{background:var(--rg-ink);text-align:center}
  .rga-cta h2{font-family:var(--rg-font-display);font-weight:500;font-size:clamp(28px,3.4vw,44px);line-height:1.14;color:var(--rg-on-accent);margin:0 auto;max-width:22ch;text-wrap:balance}
  .rga-cta p{color:var(--rg-cta-soft);font-size:17px;line-height:1.6;margin:16px auto 28px;max-width:56ch}
  .rga-sf h3{font-family:var(--rg-font-sans);font-weight:700;font-size:17px;line-height:1.35;color:var(--rg-ink);margin:0 0 10px}
  .rga-sf p{margin:0 0 10px}
  .rga-sf-body{padding-bottom:14px}
  .rga-sf-emp{border-top:1px solid var(--rg-border);padding-top:10px;margin:0;align-self:start}
  .rga-byline{background:var(--rg-bg-soft)}
  .rga-autor-name{font-family:var(--rg-font-sans);font-weight:700;font-size:20px;color:var(--rg-ink);margin:0}
  .rga-autor-rolle{font-size:14px;color:var(--rg-ink-muted);margin:2px 0 10px}
  .rga-autor-bio{font-size:15.5px;line-height:1.7;color:var(--rg-ink-soft);margin:0;max-width:70ch}
  .rga-gp{display:flex;align-items:center;gap:9px;font-family:var(--rg-font-sans);font-size:14px;color:var(--rg-ink-soft);margin:18px 0 0;background:var(--rg-bg-soft);border:1px solid var(--rg-border);border-radius:9px;padding:12px 16px}
  .rga-gp svg{width:16px;height:16px;color:var(--rg-check);flex:0 0 auto}
  .rga-gp b{color:var(--rg-ink)}
  .rga-gp a{color:var(--rg-accent)}
  .rga-autor-links{display:flex;flex-wrap:wrap;gap:10px 24px;margin:16px 0 0;padding-top:14px;border-top:1px dashed var(--rg-border)}
  .rga-autor-links a{display:inline-flex;align-items:center;gap:7px;font-family:var(--rg-font-sans);font-weight:600;font-size:14px;color:var(--rg-ink);text-decoration:none}
  .rga-autor-links a:hover{color:var(--rg-accent)}
  .rga-autor-links svg{width:16px;height:16px;color:var(--rg-accent)}
  .rga-hub-cta{margin:6px 0 10px}
  .rga-themen-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;align-items:stretch}
  .rga-thema{display:grid;grid-template-rows:subgrid;grid-row:span 3;row-gap:0;background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:var(--rg-radius);padding:26px 24px;text-decoration:none;color:inherit;box-shadow:0 10px 26px rgba(0,0,0,.05);transition:transform .25s var(--rg-ease),box-shadow .25s var(--rg-ease)}
  .rga-thema:hover{transform:translateY(-3px);box-shadow:0 20px 46px rgba(0,0,0,.11)}
  .rga-thema h3{font-family:var(--rg-font-sans);font-weight:700;font-size:18px;line-height:1.3;color:var(--rg-ink);margin:0 0 10px}
  .rga-thema p{font-size:14.5px;line-height:1.62;color:var(--rg-ink-soft);margin:0;padding-bottom:18px}
  .rga-thema-more{display:inline-flex;align-items:center;gap:7px;font-family:var(--rg-font-sans);font-weight:600;font-size:14px;color:var(--rg-accent);align-self:end}
  .rga-thema-more svg{width:15px;height:15px;transition:transform .25s var(--rg-ease)}
  .rga-thema:hover .rga-thema-more svg{transform:translateX(3px)}
  .rga-markt-cta{margin:22px 0 0}
  .rga-cta-sekundaer{text-align:center;margin:14px 0 0;font-size:14px;color:var(--rg-ink-muted)}
  @media(max-width:900px){.rga-themen-grid{grid-template-columns:1fr}.rga-thema{grid-template-rows:auto;grid-row:auto}}
  .rga-autor-disclaimer{margin:16px 0 0;padding-top:14px;border-top:1px dashed var(--rg-border);font-size:13px;font-style:italic;line-height:1.6;color:var(--rg-ink-muted)}
  @media(max-width:640px){.rga-autor{flex-direction:column}.rga-autor-foto{width:72px;height:72px;flex-basis:auto}}
  .rga-faq-item{border:1px solid var(--rg-border);border-radius:var(--rg-radius);background:var(--rg-bg);margin:0 0 10px;padding:0 20px}
  .rga-faq-item summary{cursor:pointer;font-family:var(--rg-font-sans);font-weight:700;font-size:16px;color:var(--rg-ink);padding:17px 0;list-style:none;position:relative;padding-right:34px}
  .rga-faq-item summary::after{content:"+";position:absolute;right:2px;top:50%;transform:translateY(-50%);font-size:22px;color:var(--rg-accent);font-weight:400}
  .rga-faq-item[open] summary::after{content:"–"}
  .rga-faq-a{padding:0 0 18px}
  .rga-faq-a p{font-size:15.5px;line-height:1.68;color:var(--rg-ink-soft);margin:0 0 10px}
  .rga-fazit{background:var(--rg-bg-soft)}
  .rga-kontakt .rga-ap{font-family:var(--rg-font-sans);font-weight:700;font-size:16px;color:var(--rg-ink);margin:14px 0 14px}
  .rga-kanaele{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 14px}
  .rga-kanal{font-family:var(--rg-font-sans);font-weight:600;font-size:14px;color:var(--rg-ink);background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:999px;padding:10px 18px;text-decoration:none;transition:border-color .2s,color .2s}
  .rga-kanal:hover{border-color:var(--rg-accent);color:var(--rg-accent)}
  .rga-antwort{font-size:13.5px;color:var(--rg-ink-muted)}
  .rga-autor-card{background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:13px;padding:clamp(22px,3vw,32px);box-shadow:0 14px 36px rgba(0,0,0,.06)}
  .rga-autor{display:flex;gap:22px;align-items:flex-start}
  .rga-autor-foto,.rga-ap-foto{flex:0 0 96px;width:96px;height:96px;border-radius:50%;background:linear-gradient(135deg,var(--rg-ph-grad-1),var(--rg-ph-grad-2));border:1px solid var(--rg-border)}
  .rga-ap-foto{margin:18px 0 14px}
  .rga-kontakt{background:var(--rg-bg-soft)}
  .rga-kontakt-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:clamp(28px,4vw,64px);align-items:start}
  .rga-ap-rolle{font-size:14px;color:var(--rg-ink-muted);margin:2px 0 16px}
  .rga-form{display:grid;gap:14px;background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:13px;padding:clamp(22px,3vw,34px);box-shadow:0 16px 40px rgba(0,0,0,.07)}
  .rga-form label{display:grid;gap:6px}
  .rga-form label span{font-family:var(--rg-font-sans);font-weight:600;font-size:13.5px;color:var(--rg-ink)}
  .rga-form input,.rga-form textarea{font:inherit;font-size:15px;color:var(--rg-ink);background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:9px;padding:12px 14px;width:100%}
  .rga-form input:focus,.rga-form textarea:focus{outline:2px solid var(--rg-accent);outline-offset:0;border-color:var(--rg-accent)}
  .rga-consent{grid-template-columns:auto 1fr;align-items:start;display:grid;gap:10px}
  .rga-consent input{width:16px;height:16px;margin-top:3px}
  .rga-consent span{font-weight:400;font-size:13px;line-height:1.55;color:var(--rg-ink-muted)}
  .rga-consent a{color:var(--rg-accent)}
  .rga-form .btn{justify-self:start}
  .rga-form-status{font-size:14px;margin:0;color:var(--rg-ink-soft)}
  @media(max-width:860px){.rga-kontakt-grid{grid-template-columns:1fr}}
  @media(max-width:960px){.rga-sf-grid{grid-template-columns:1fr!important}.rga-sf{grid-template-rows:auto;grid-row:auto}}
  @media(max-width:700px){.rga-fact-row{grid-template-columns:1fr!important}.rga-fact{grid-template-rows:auto;grid-row:auto}.rga-kurz{padding:20px 18px}}
  /* Objekttyp-Artikel */
  .rga-obj-cta{display:flex;flex-direction:column;align-items:flex-start;gap:10px;margin:0 0 24px}
  .rga-obj-trust{font-family:var(--rg-font-sans);font-size:13.5px;color:var(--rg-ink-muted);margin:0}
  .rga-obj-bullets{list-style:none;margin:-58px auto 0;position:relative;z-index:2;padding:0 clamp(16px,3.5vw,44px);display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
  .rga-obj-bullets li{background:var(--rg-bg);border:1px solid var(--rg-border);border-left:3px solid var(--rg-accent);border-radius:var(--rg-radius);padding:18px 20px;font-size:14.5px;line-height:1.55;color:var(--rg-ink-soft);box-shadow:0 18px 40px rgba(0,0,0,.10)}
  .rga-obj-bullets b{display:block;font-family:var(--rg-font-sans);font-weight:700;color:var(--rg-ink);margin-bottom:4px}
  .rga-gedanken{list-style:none;margin:6px 0 18px;padding:0;display:grid;gap:10px}
  .rga-gedanken li{padding:14px 18px 14px 20px;background:var(--rg-bg-soft);border:1px solid var(--rg-border);border-left:3px solid var(--rg-accent);border-radius:var(--rg-radius);font-family:var(--rg-font-sans);font-weight:600;font-style:normal;font-size:15.5px;line-height:1.55;color:var(--rg-ink)}
  .rga-steps{list-style:none;margin:0;padding:0;display:grid;gap:14px;counter-reset:rs}
  .rga-steps--inline{margin:6px 0 18px}
  .rga-step{display:grid;grid-template-columns:46px 1fr;gap:16px;align-items:start;background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:var(--rg-radius);padding:20px 22px;box-shadow:0 10px 26px rgba(0,0,0,.05)}
  .rga-step-nr{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--rg-accent);color:var(--rg-on-accent);font-family:var(--rg-font-display);font-weight:600;font-size:19px}
  .rga-step h3{font-family:var(--rg-font-sans);font-weight:700;font-size:17px;line-height:1.35;color:var(--rg-ink);margin:6px 0 6px}
  .rga-step p{font-size:15.5px;line-height:1.62;color:var(--rg-ink-soft);margin:0}
  .rga-cmp-wrap{overflow:hidden;border:1px solid var(--rg-border);border-radius:var(--rg-radius);background:var(--rg-bg)}
  .rga-cmp{width:100%;border-collapse:collapse;font-size:15px;line-height:1.55}
  .rga-cmp th,.rga-cmp td{padding:14px 16px;text-align:left;vertical-align:top;border-top:1px solid var(--rg-border);color:var(--rg-ink-soft)}
  .rga-cmp thead th{border-top:0;background:var(--rg-bg-soft);font-family:var(--rg-font-sans);font-weight:700;font-size:13.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--rg-ink)}
  .rga-cmp tbody th{font-family:var(--rg-font-sans);font-weight:700;color:var(--rg-ink);width:26%}
  .rga-cmp td:nth-child(2){background:rgba(0,0,0,.015)}
  @media(max-width:900px){.rga-obj-bullets{grid-template-columns:1fr;margin-top:-20px;padding:0 12px}}
  @media(max-width:700px){
    .rga-cmp thead{display:none}.rga-cmp,.rga-cmp tbody,.rga-cmp tr,.rga-cmp th,.rga-cmp td{display:block;width:auto}
    .rga-cmp tr{border-top:1px solid var(--rg-border);padding:6px 0}.rga-cmp tbody th{border-top:0;padding-bottom:4px}
    .rga-cmp td{border-top:0;padding:6px 16px 10px}.rga-cmp td::before{content:attr(data-th);display:block;font-family:var(--rg-font-sans);font-weight:700;font-size:12.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--rg-ink);margin-bottom:3px}
    .rga-cmp td:nth-child(2){background:none}.rga-step{grid-template-columns:38px 1fr;padding:16px}.rga-step-nr{width:38px;height:38px;font-size:16px}
  }
  .rga-fact-intro{max-width:820px;margin:-8px 0 22px}
  .rga-fact-title{font-family:var(--rg-font-sans);font-weight:700;font-size:17px;color:var(--rg-ink);margin:26px 0 12px}

  /* Rechenbeispiel als Rechnung (24.08.) */
  .rga-calc{background:var(--rg-bg);border:1px solid var(--rg-border);border-left:3px solid var(--rg-accent);border-radius:var(--rg-radius);padding:8px 24px;margin:0 0 8px;max-width:820px}
  .rga-calc-row{display:grid;grid-template-columns:22px 1fr auto;gap:4px 14px;align-items:baseline;padding:15px 0;border-top:1px solid var(--rg-border)}
  .rga-calc-row:first-child{border-top:0}
  .rga-calc-op{font-family:var(--rg-font-display);font-size:20px;color:var(--rg-accent);text-align:center}
  .rga-calc-label{font-family:var(--rg-font-sans);font-weight:700;font-size:15px;line-height:1.4;color:var(--rg-ink);margin:0}
  .rga-calc-erkl{font-size:13.5px;line-height:1.55;color:var(--rg-ink-muted);margin:4px 0 0;max-width:52ch}
  .rga-calc-wert{font-family:var(--rg-font-display);font-weight:600;font-size:21px;color:var(--rg-ink);white-space:nowrap;justify-self:end}
  .rga-calc-wert--text{font-family:var(--rg-font-sans);font-weight:600;font-size:14px;white-space:normal;max-width:220px;text-align:right;line-height:1.45}
  .rga-calc-row--result{border-top:2px solid var(--rg-border-strong);background:var(--rg-bg-soft);margin:0 -24px;padding:15px 24px;border-radius:0 0 9px 9px}
  .rga-calc-row--result .rga-calc-wert{color:var(--rg-accent-deep);font-size:23px}
  @media(max-width:700px){.rga-calc{padding:6px 16px}.rga-calc-row{grid-template-columns:16px 1fr;gap:2px 10px}.rga-calc-wert{grid-column:2;justify-self:start;white-space:normal}.rga-calc-row--result{margin:0 -16px;padding:12px 16px}}
  /* Karim 14.09. (Aruna): Rechenbeispiel-Varianten — (a) Vergleichstabelle bei mehreren Wertspalten (.rga-vgl),
     (b) satz-lange Werte unter dem Label (config calc_satz_ab), (c) Kosten/Fristen-Definitionszeilen (config fakt_satz_ab, Herrmann-Muster) */
  .rga-calc-row--stack{grid-template-columns:22px 1fr}
  .rga-calc-row--stack .rga-calc-wert--satz{font-family:var(--rg-font-sans);font-weight:600;font-size:15px;line-height:1.5;color:var(--rg-ink);white-space:normal;text-align:left;justify-self:start;max-width:60ch;margin:4px 0 0} /* justify-self:start nötig — Chrome ≥138 richtet Block-Absätze nach justify-self aus */
  .rga-calc-row--result.rga-calc-row--stack .rga-calc-wert--satz{font-size:15px;color:var(--rg-accent-deep)}
  .rga-vgl{background:var(--rg-bg);border:1px solid var(--rg-border);border-left:3px solid var(--rg-accent);border-radius:var(--rg-radius);padding:8px 24px;margin:0 0 8px;max-width:820px}
  .rga-vgl-head,.rga-vgl-row{display:grid;grid-template-columns:1.15fr 1fr 1fr;gap:6px 22px;padding:15px 0;border-top:1px solid var(--rg-border);align-items:start}
  .rga-vgl-head{border-top:0;padding:14px 0 10px}
  .rga-vgl-h{font-family:var(--rg-font-sans);font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--rg-accent-deep);margin:0}
  .rga-vgl-label{font-family:var(--rg-font-sans);font-weight:700;font-size:15px;line-height:1.4;color:var(--rg-ink);margin:0}
  .rga-vgl-erkl{font-size:13.5px;line-height:1.55;color:var(--rg-ink-muted);margin:4px 0 0}
  .rga-vgl-cell{min-width:0}
  .rga-vgl-cell-h{display:none}
  .rga-vgl-wert{font-family:var(--rg-font-display);font-weight:600;font-size:21px;line-height:1.2;color:var(--rg-ink);margin:0}
  .rga-vgl-wert--text{font-family:var(--rg-font-sans);font-weight:600;font-size:14px;line-height:1.5}
  .rga-vgl-row--result{border-top:2px solid var(--rg-border-strong);background:var(--rg-bg-soft);margin:0 -24px;padding:15px 24px;border-radius:0 0 9px 9px}
  .rga-vgl-row--result .rga-vgl-wert{color:var(--rg-accent-deep)}
  .rga-fact-defs{background:var(--rg-bg);border:1px solid var(--rg-border);border-radius:var(--rg-radius);padding:6px 28px;box-shadow:0 10px 26px rgba(0,0,0,.05)}
  .rga-fact-def{display:grid;grid-template-columns:250px 1fr;gap:8px 36px;padding:22px 0}
  .rga-fact-def + .rga-fact-def{border-top:1px solid var(--rg-border)}
  .rga-fact-def-label{margin:2px 0 0;font-family:var(--rg-font-sans);font-size:13px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;line-height:1.45;color:var(--rg-ink-soft)}
  .rga-fact-def-wert{margin:0 0 6px;font-family:var(--rg-font-sans);font-size:16px;font-weight:600;line-height:1.55;color:var(--rg-ink)}
  .rga-fact-def-wert--kurz{font-family:var(--rg-font-display);font-weight:600;font-size:23px;line-height:1.25;color:var(--rg-accent)}
  .rga-fact-def-erkl{margin:0;font-size:14.5px;line-height:1.65;color:var(--rg-ink-muted)}
  @media(max-width:760px){.rga-vgl{padding:6px 16px}.rga-vgl-head{display:none}.rga-vgl-row{grid-template-columns:1fr;gap:10px}.rga-vgl-cell-h{display:block;font-family:var(--rg-font-sans);font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--rg-accent-deep);margin:0 0 3px}.rga-vgl-row--result{margin:0 -16px;padding:12px 16px}.rga-fact-def{grid-template-columns:1fr;gap:6px}}
  /* Auto-Infografiken (H3-Struktur) */
  .rga-ig--auto{margin:6px 0 28px}
  .rga-ig--auto .rga-ig-inner{background:var(--rg-bg-soft);border:1px solid var(--rg-border);border-left:3px solid var(--rg-accent);border-radius:var(--rg-radius);padding:22px 24px}
  .rga-ig-steps{list-style:none;margin:0;padding:0;display:grid;gap:12px}
  .rga-igs{display:grid;grid-template-columns:38px 1fr;gap:14px;align-items:start}
  .rga-igs-nr{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:var(--rg-accent);color:var(--rg-on-accent);font-family:var(--rg-font-display);font-weight:600;font-size:17px}
  .rga-igs b{display:block;font-family:var(--rg-font-sans);font-weight:700;font-size:15.5px;line-height:1.35;color:var(--rg-ink);margin:8px 0 3px}
  .rga-igs p{font-size:14.5px;line-height:1.58;color:var(--rg-ink-soft);margin:0}
  .rga-ig-rows{display:grid;gap:0}
  .rga-igr{display:grid;grid-template-columns:minmax(180px,30%) 1fr;gap:10px 24px;padding:14px 0;border-top:1px solid var(--rg-border);align-items:start}
  .rga-igr:first-child{border-top:0;padding-top:2px}.rga-igr:last-child{padding-bottom:2px}
  .rga-igr b{font-family:var(--rg-font-sans);font-weight:700;font-size:15px;line-height:1.4;color:var(--rg-ink)}
  .rga-igr p{font-size:14.5px;line-height:1.6;color:var(--rg-ink-soft);margin:0}
  .rga-ig-check{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:10px 18px}
  .rga-ig-check li{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;line-height:1.5;color:var(--rg-ink-soft)}
  .rga-ig-check svg{width:16px;height:16px;flex:0 0 auto;margin-top:3px;color:var(--rg-check)}
  @media(max-width:760px){.rga-igr,.rga-ig-check{grid-template-columns:1fr}.rga-igr{gap:4px}.rga-ig--auto .rga-ig-inner{padding:16px}}

/* ── (3) Siegle-Abweichungen (nach dem Skelett, gewinnen die Kaskade) — Übersichts-/Karten-Block 1:1 wie Barking/Neckar/Senger ── */
/* Typo wie die Site: Nunito Sans 800 eng, Akzentwort gerade in Orange (.sec h2 em). */
.rga-kopf h1,.rga-kap h2,.rga-cta h2,.rgo-kopf h1,.rgo-cluster h2{font-weight:800;letter-spacing:-.015em}
.rga-kopf h1 em,.rga-kap h2 em,.rgo-kopf h1 em,.rgo-cluster h2 em{font-style:normal;font-weight:800;color:var(--brand)}
.rga-cta h2 em{font-style:normal;font-weight:800;color:var(--brand)}
.rga-fact-wert,.rga-step-nr,.rga-igs-nr,.rga-calc-op,.rga-fact-def-wert--kurz{font-weight:800}
/* Orange trägt keinen Fließtext: Links in Anthrazit mit orangener Unterkante. */
.rga-prosa a,.rga-faq-a a,.rga-gp a,.rga-consent a{color:var(--text-on-light);font-weight:600;text-decoration:none;border-bottom:1px solid var(--brand)}
.rga-prosa a:hover,.rga-faq-a a:hover,.rga-gp a:hover,.rga-consent a:hover{border-bottom-width:2px}
.rga-jump a:hover,.rga-kanal:hover,.rga-autor-links a:hover{color:var(--text-on-light);border-color:var(--brand)}
.rga-igk-kl,.rga-thema-more,.rga-fact-wert{color:var(--text-on-light)}
.rga-thema-more svg,.rga-autor-links svg,.rga-igf-pfeil,.rga-calc-op,.rga-faq-item summary::after{color:var(--brand)}
/* Nummern-Kreise sind Orange-Flächen: weiße Schrift wie .btn der Site. */
.rga-step-nr,.rga-igs-nr{color:#fff}
/* Dunkle Flächen = Anthrazit der Site. */
.rga-cta{background:var(--surface-dark)}
button.rga-fab{background:var(--surface-dark);color:#fff;border:0}
button.rga-fab:hover{background:var(--surface-dark-2)}
/* Scharfe Editorial-Kante: eine Rundungssprache (2px) für Panels, Chips und Karten. */
.rga-toc,.rga-fab-panel,.rga-jump a,.rga-fab-panel a,.rgo-toc a{border-radius:var(--radius)}
/* btn-sig kommt aus dem Builder (Hub-/Funnel-CTAs) und entspricht .btn der Site. */
.btn-sig{background:var(--brand);color:#fff;font-weight:800;border-radius:var(--r-ctl)}
.btn-sig:hover{background:var(--brand-deep);color:#fff}
/* Bühne: die Site-.container läuft bis 1440 px, der Ratgeber liest sich auf 1140 px (ab 1400 px greift die Skelett-Regel mit TOC-Versatz). */
@media(max-width:1399px){section.section>.container{max-width:calc(1140px + 96px)}}
@media(max-width:760px){section.section>.container{padding-inline:var(--gutter)}}
/* ── /ratgeber/-Übersicht (rgo-*) — tokenisierte Fassung (DW-/Herrmann-/Senger-/Neckar-Muster) ── */
.rgo-kopf h1{font-family:var(--rg-font-display);font-size:clamp(34px,4vw,54px);line-height:1.08;color:var(--rg-ink);margin:14px 0 22px}
.rgo-toc{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.rgo-toc a{display:inline-block;padding:8px 14px;border:1px solid var(--rg-border);font-family:var(--rg-font-sans);font-size:13.5px;font-weight:600;color:var(--rg-ink-soft);text-decoration:none;background:var(--rg-bg)}
.rgo-toc a:hover{border-color:var(--brand);color:var(--rg-ink)}
.rgo-cluster h2{font-family:var(--rg-font-display);font-size:clamp(26px,3vw,38px);line-height:1.16;color:var(--rg-ink);margin:0 0 22px}
.rgo-cluster:nth-of-type(even){background:var(--rg-bg-soft)}
.rgo-cluster .rga-thema--hub{border-left:3px solid var(--rg-accent)}
.rgo-cluster .rga-themen-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;align-items:stretch}
.rgo-cluster .rga-thema{display:grid;grid-template-rows:subgrid;grid-row:span 3;row-gap:0;background:#fff;border:1px solid var(--rg-border);border-radius:var(--rg-radius);padding:26px 24px;text-decoration:none;color:inherit;box-shadow:var(--shadow-card);transition:transform .25s var(--rg-ease),box-shadow .25s var(--rg-ease)}
.rgo-cluster .rga-thema:hover{transform:translateY(-3px);box-shadow:var(--shadow-float)}
.rgo-cluster .rga-thema h3{font-family:var(--rg-font-sans);font-weight:700;font-size:17px;line-height:1.3;letter-spacing:0;color:var(--rg-ink);margin:0 0 10px}
.rgo-cluster .rga-thema p{font-size:14.5px;line-height:1.62;color:var(--rg-ink-soft);margin:0;padding-bottom:18px}
.rgo-cluster .rga-thema-more{display:inline-flex;align-items:center;gap:7px;font-family:var(--rg-font-sans);font-weight:600;font-size:14px;color:var(--rg-ink);align-self:end}
.rgo-cluster .rga-thema-more svg{width:15px;height:15px}
@media(max-width:900px){.rgo-cluster .rga-themen-grid{grid-template-columns:1fr}.rgo-cluster .rga-thema{grid-template-rows:auto;grid-row:auto}}
.rga-cta-claim{text-align:center;margin:10px auto 0;max-width:56ch;font-size:14.5px;color:var(--rg-ink-muted)}
.rga-cta .rga-cta-claim{color:var(--rg-cta-soft)}
.rga-cta-sekundaer{text-align:center;margin:18px auto 0;font-size:14px;color:var(--rg-ink-muted)}
.rga-thema--static{cursor:default}
.rga-thema--static:hover{transform:none;box-shadow:var(--shadow-card)}
/* Satz-lange Fakten-Werte als ruhiger Lead-Satz statt Display-Kennzahl (Karim 02.09.) */
.rga-fact-wert--satz{font-family:var(--rg-font-sans);font-size:15.5px;font-weight:600;line-height:1.55;letter-spacing:.01em;color:var(--rg-ink);margin:0 0 10px}
.rga-fact-defs{background:#fff;border:1px solid var(--rg-border);border-radius:var(--rg-radius);padding:6px 28px;box-shadow:var(--shadow-card)}
.rga-fact-def{display:grid;grid-template-columns:260px 1fr;gap:8px 36px;padding:22px 0}
.rga-fact-def + .rga-fact-def{border-top:1px solid var(--rg-border)}
.rga-fact-def-label{margin:2px 0 0;font-family:var(--rg-font-sans);font-size:13px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--rg-ink-muted);line-height:1.5}
.rga-fact-def-wert{margin:0 0 6px;font-family:var(--rg-font-sans);font-size:16px;font-weight:600;line-height:1.55;color:var(--rg-ink)}
.rga-fact-def-wert--kurz{font-family:var(--rg-font-display);font-size:23px;line-height:1.25;color:var(--rg-accent-deep)}
.rga-fact-def-erkl{margin:0;font-size:14.5px;line-height:1.65;color:var(--rg-ink-soft)}
@media(max-width:760px){.rga-fact-def{grid-template-columns:1fr;gap:6px}}
.rga-calc-row--result .rga-calc-wert--text{font-family:var(--rg-font-sans);font-size:16px;line-height:1.4;font-weight:700;max-width:260px;align-self:start}
.rga-calc-wert--text{align-self:start}
/* Übersicht hat kein TOC: Bühne ab 1400 px mittig statt mit TOC-Versatz. */
@media(min-width:1400px){section.section.rgo-kopf>.container,section.section.rgo-cluster>.container{margin-left:auto;margin-right:auto}}

/* ── Siegle-Zusätze ── */
/* Site kennt nur .sec (Padding) – der Builder schreibt .section: Abstand hier definieren */
.section{padding-block:clamp(3rem,6vw,5.25rem)}
.section.rga-kap+.section.rga-kap{padding-top:0}
/* alle Sektions-Headlines im Site-Stil (Rechenbeispiel, Kosten, Sonderfälle): 800, Akzentwort gerade + Orange */
.section h2{font-weight:800;letter-spacing:-.015em}
.section h2 em{font-style:normal;color:var(--brand)}
.section h3{font-weight:800}
/* Vollbreite Site-Bausteine (Bewertungs-Widget, Kontaktkarte) liegen über dem fixen Inhaltsverzeichnis */
.funnel,.kc-sec{position:relative;z-index:31}
/* Bilder tragen width/height-Attribute (bild_perf) – Höhe freigeben, sonst erzwingt das height-Attribut 941 px (Specht-Falle 09/26) */
.rga-media img{height:auto}