.avd-sticky{position:sticky;top:88px;z-index:9;display:block;background:linear-gradient(105deg,#ffca24,#ffe289);color:#062b4c;text-decoration:none;box-shadow:0 8px 24px rgba(6,43,76,.12);border-bottom:1px solid rgba(6,43,76,.12)}
.avd-sticky>.wrap{min-height:64px;display:flex;align-items:center;gap:16px}
.avd-sticky strong{font-size:.96rem;white-space:nowrap}
.avd-sticky span span{color:#365775}
.avd-sticky b{margin-left:auto;white-space:nowrap;font-size:.9rem}
.avd-sticky:hover b{text-decoration:underline}
.avd-sticky:focus-visible,.avd-page a:focus-visible,.avd-page button:focus-visible,.avd-page input:focus-visible,.avd-page select:focus-visible{outline:3px solid #316e9e;outline-offset:3px}
.avd-page .page-hero{background:linear-gradient(118deg,#315f85,#47799f)}
.avd-page .page-hero .eyebrow{color:#ffe081}
.avd-page .page-hero h1{max-width:900px}
.avd-page .page-hero p{max-width:790px;color:#e3edf5;font-size:1.12rem}
.avd-hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}
.avd-status{margin-top:28px;padding:18px 20px;border:1px solid rgba(255,255,255,.25);border-radius:16px;background:rgba(255,255,255,.1);color:#f3f7fa;max-width:820px}
.avd-status strong{color:#ffdb62}
.avd-page .section-head{max-width:850px}
.avd-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.avd-card{border:1px solid var(--line);border-radius:20px;background:#fff;padding:24px;box-shadow:0 12px 34px rgba(6,43,76,.06)}
.avd-card .tag{display:inline-block;border-radius:999px;background:#eff4f7;color:#315f85;padding:5px 10px;font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em}
.avd-card h3{color:var(--navy-deep);font-size:1.3rem;margin:14px 0 8px}
.avd-card p,.avd-card li{color:var(--muted)}
.avd-card ul{padding-left:20px;margin-bottom:0}
.avd-compare{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden}
.avd-compare th,.avd-compare td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.avd-compare th{color:var(--navy-deep);background:#edf3f7}
.avd-compare td:first-child{font-weight:750;color:var(--navy-deep);min-width:150px}
.avd-compare tr:last-child td{border-bottom:0}
.avd-callout{margin-top:24px;padding:20px 22px;border-radius:16px;background:#fff3c7;color:#183a58}
.avd-callout a{font-weight:700;color:#073b68}
.calc-layout{display:grid;grid-template-columns:minmax(250px,.78fr) minmax(0,1.22fr);gap:22px;align-items:start}
.calc-panel{padding:26px;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow)}
.calc-panel h3{margin:0 0 7px;color:var(--navy-deep)}
.calc-panel .intro{color:var(--muted);font-size:.94rem;margin:0 0 20px}
.calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc-field{display:flex;flex-direction:column;gap:6px}
.calc-field.wide{grid-column:1/-1}
.calc-field label{font-size:.86rem;font-weight:750;color:#183a58}
.calc-field input,.calc-field select{width:100%;min-height:44px;padding:9px 11px;border:1px solid #b6c5d1;border-radius:10px;background:#fff;color:var(--ink);font:inherit}
.calc-field small{color:#63788b;font-size:.75rem;line-height:1.4}
.calc-results{min-width:0}
.calc-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:18px}
.calc-metric{padding:16px;border-radius:14px;background:#edf3f7}
.calc-metric span{display:block;color:#526b80;font-size:.78rem}
.calc-metric strong{display:block;color:#073b68;font-size:1.3rem;margin-top:4px}
.chart{padding:20px;background:#fff;border:1px solid var(--line);border-radius:18px}
.chart h3{margin:0 0 16px;color:var(--navy-deep)}
.chart-row{display:grid;grid-template-columns:118px minmax(50px,1fr) 118px;gap:12px;align-items:center;margin:12px 0}
.chart-label{font-weight:700;font-size:.84rem;color:#183a58}
.chart-track{height:18px;background:#edf1f4;border-radius:999px;overflow:hidden}
.chart-bar{height:100%;width:0;background:linear-gradient(90deg,#47799f,#073b68);border-radius:inherit;transition:width .25s}
.chart-row[data-plan="avd"] .chart-bar,.chart-row[data-plan="mix"] .chart-bar{background:linear-gradient(90deg,#ffcb35,#e9a900)}
.chart-row[data-plan="basis"] .chart-bar{background:linear-gradient(90deg,#86a98e,#4c8060)}
.chart-value{text-align:right;font-variant-numeric:tabular-nums;font-size:.84rem;font-weight:750;color:#183a58}
.chart-note{font-size:.82rem;color:var(--muted);margin:12px 0 0}
.calc-table-wrap{overflow-x:auto;margin-top:18px}
.calc-table{width:100%;border-collapse:collapse;min-width:650px;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;font-size:.88rem}
.calc-table th,.calc-table td{padding:11px 12px;text-align:right;border-bottom:1px solid var(--line)}
.calc-table th{background:#edf3f7;color:var(--navy-deep)}
.calc-table th:first-child,.calc-table td:first-child{text-align:left}
.calc-table tr:last-child td{border-bottom:0}
.calc-detail{margin-top:18px;padding:17px 19px;border-radius:14px;background:#f2f5f7;color:#40596e;font-size:.9rem}
.calc-detail strong{color:#183a58}
.avd-sources{border-top:1px solid var(--line);margin-top:28px;padding-top:24px}
.avd-sources li{margin:7px 0;color:var(--muted)}
.avd-sources a{color:var(--navy)}
.avd-disclaimer{font-size:.83rem;color:#63788b}
.nav{gap:12px}
.brand img{width:min(260px,25vw)}
.navlinks{gap:clamp(8px,1vw,14px);font-size:.84rem}
.navlinks a{white-space:nowrap}
.navlinks a[aria-current="page"]{text-decoration:underline;text-decoration-color:#ffbd00;text-decoration-thickness:2px;text-underline-offset:5px}
.avd-page .page-hero.agrar-hero{background:linear-gradient(118deg,#294e47,#557b60)}
.agrar-hero .eyebrow{color:#ffdf7b}
.agrar-hero .avd-status{max-width:900px}
.agrar-page .avd-grid{align-items:stretch}
.agrar-page .avd-card h3{font-size:1.2rem}
.agrar-page .avd-card p{line-height:1.58}
.agrar-lexicon{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.agrar-lexicon details{padding:0 18px;border:1px solid var(--line);border-radius:14px;background:#fff}
.agrar-lexicon summary{position:relative;padding:17px 28px 17px 0;cursor:pointer;color:var(--navy-deep);font-weight:750;list-style:none}
.agrar-lexicon summary::-webkit-details-marker{display:none}
.agrar-lexicon summary:after{content:"+";position:absolute;right:0;color:#926b00;font-size:1.35rem;line-height:1}
.agrar-lexicon details[open] summary:after{content:"−"}
.agrar-lexicon details p{margin:0;padding:0 0 18px;color:var(--muted)}
.agrar-lexicon details[open]{box-shadow:0 8px 24px rgba(6,43,76,.07)}
.section#beratung .cards{grid-template-columns:repeat(3,minmax(0,1fr))}
@media(max-width:900px){.avd-grid{grid-template-columns:1fr}.calc-layout{grid-template-columns:1fr}.calc-fields{grid-template-columns:repeat(2,1fr)}}
@media(max-width:1100px){.nav{gap:10px}.brand img{width:min(220px,22vw)}.navlinks{gap:8px;font-size:.78rem}.navlinks .nav-cta{padding:10px 13px}}
@media(max-width:800px){.avd-sticky{top:72px}.avd-sticky>.wrap{min-height:56px;gap:10px}.avd-sticky strong{font-size:.83rem}.avd-sticky span span{display:none}.avd-sticky b{font-size:.8rem}.navlinks a:not(.nav-cta){display:none}.navlinks{gap:0}.agrar-lexicon{grid-template-columns:1fr}.section#beratung .cards{grid-template-columns:1fr}}
@media(max-width:600px){.avd-sticky>.wrap{width:calc(100% - 24px)}.avd-sticky strong{white-space:normal}.avd-compare th,.avd-compare td{padding:10px;font-size:.84rem}.calc-fields{grid-template-columns:1fr}.calc-field.wide{grid-column:auto}.calc-metrics{grid-template-columns:1fr}.chart-row{grid-template-columns:82px minmax(35px,1fr) 88px;gap:8px}.chart-label,.chart-value{font-size:.76rem}.calc-panel{padding:20px}}

.avd-page .avd-hero-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:35px;align-items:start}.avd-page .avd-hero-copy{min-width:0}.avd-page .riester-note{display:block;width:290px;margin-top:16px;transform:rotate(4deg);filter:drop-shadow(0 14px 12px rgba(5,30,50,.24));transition:transform .2s}.avd-page .riester-note:hover{transform:rotate(2deg) translateY(-3px)}.avd-page .riester-note img{display:block;width:100%;height:auto}.riester-note:focus-visible{outline:3px solid #fff;outline-offset:5px}@media(max-width:900px){.avd-page .avd-hero-layout{grid-template-columns:1fr}.avd-page .riester-note{width:240px;margin:10px auto 0}}

.funding-hero{padding:64px 0}.avd-page .funding-hero h1{font-size:clamp(2.6rem,5vw,4.6rem);max-width:1000px}.funding-hero h1 span{color:#ffdc70}.avd-page .funding-hero p{max-width:850px}.funding-date{font-size:.85rem!important;color:#dbe8f2}.funding-section{background:#f2f5f8;padding-top:46px}.funding-columns{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;align-items:start}.funding-column{border:1px solid #d6e0e9;border-radius:22px;background:white;overflow:hidden;box-shadow:0 12px 30px rgba(6,43,76,.05)}.funding-heading{padding:30px;background:#e9f0f6;border-bottom:1px solid #d6e0e9}.avd-column .funding-heading{background:#fff2bd}.funding-tag{font-weight:800;font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;color:#45627c}.funding-heading h2{font-size:clamp(1.8rem,3vw,2.6rem);margin:12px 0}.funding-heading p{min-height:3.3em;color:#43596d}.funding-big{font-size:3.1rem;font-weight:800;letter-spacing:-.04em;line-height:1.2;color:#062b4c;margin-top:25px}.funding-big small{display:block;font-size:.9rem;font-weight:600;letter-spacing:0;margin-top:7px}.funding-block{padding:25px 30px;border-bottom:1px solid #e5ebf0}.funding-block:last-child{border:0}.funding-block h3{font-size:1.22rem;color:#062b4c;margin:0 0 13px;line-height:1.3}.funding-block p,.funding-block li{color:#43596d;font-size:.98rem}.funding-block ul{padding-left:20px}.funding-block li{margin-bottom:9px}.funding-block p:last-child{margin-bottom:0}.funding-highlight{background:#f6f9fc;border-left:4px solid #7395b0}.avd-column .funding-highlight{background:#fffbec;border-left-color:#e6ac00}.funding-formula{font-size:1.08rem!important;line-height:1.7;color:#173c5f!important}.funding-examples{margin:0}.funding-examples>div{padding:16px 0;border-top:1px solid #e0e7ed}.funding-examples dt{font-size:.88rem;font-weight:650;color:#526c82}.funding-examples dd{margin:8px 0 0;color:#173c5f}.funding-note{padding:30px;border-radius:18px;background:white;margin-top:28px;border:1px solid #d6e0e9}.funding-note h2,.funding-contact h2{font-size:1.6rem;margin-top:0}.funding-note p{color:#43596d}.funding-contact{margin-top:30px;padding:32px;background:#173c5f;border-radius:20px;color:white;display:flex;align-items:center;gap:24px;justify-content:space-between}.funding-contact h2{color:white}.funding-contact p{margin-bottom:0}.funding-contact .button{flex-shrink:0}.funding-sources{margin-top:35px;color:#52677a;font-size:.86rem}.funding-sources h2{font-size:1.2rem}.funding-sources li{margin-bottom:8px}@media(max-width:700px){.funding-columns{grid-template-columns:1fr}.funding-heading,.funding-block{padding:24px}.funding-contact{display:block}.funding-contact .button{margin-top:20px}.funding-big{font-size:2.7rem}}