:root{--bg:#f5f7fa;--card:#fff;--text:#14202e;--dim:#5a6676;--line:#dce2ea;--acc:#1e4678;--acc2:#e07a1f;--good:#1e7a46;--bad:#b3261e;--soft:#eef3f9;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);line-height:1.55;font-size:16px}
a{color:var(--acc)}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}
header.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;min-height:58px;gap:10px}
.logo{font-weight:800;font-size:19px;color:var(--acc);text-decoration:none;white-space:nowrap}.logo span{color:var(--acc2)}
.btn{display:inline-block;background:var(--acc2);color:#fff;font-weight:700;padding:12px 22px;border-radius:999px;text-decoration:none;border:0;font-size:16px;cursor:pointer;font-family:inherit;line-height:1.2}
.btn:hover{filter:brightness(.95)}.btn:disabled{opacity:.5;cursor:default}
.btn.sec{background:#fff;color:var(--acc);border:1.5px solid var(--acc)}
.btn.small{padding:8px 14px;font-size:14px}
.btn.ghost{background:transparent;color:var(--dim);border:1px dashed var(--line)}
h1{font-size:clamp(28px,4.6vw,44px);line-height:1.12;margin:0 0 14px;color:var(--acc)}
h2{font-size:clamp(22px,3.2vw,30px);color:var(--acc);margin:0 0 14px;line-height:1.2}
h3{margin:0 0 8px;font-size:18px}
section{padding:32px 0}
.lead{font-size:18px;color:var(--dim)}
.checks{list-style:none;padding:0;margin:16px 0}.checks li{padding-left:28px;position:relative;margin:7px 0}
.checks li:before{content:"✓";position:absolute;left:0;color:var(--good);font-weight:800}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
footer{border-top:1px solid var(--line);margin-top:30px;padding:24px 0 40px;color:var(--dim);font-size:13px}
footer a{color:var(--dim);margin:0 14px 6px 0;display:inline-block;overflow-wrap:anywhere}
.note{font-size:13px;color:var(--dim)}
.badge{display:inline-block;background:var(--soft);color:var(--acc);border-radius:999px;padding:3px 10px;font-size:13px;font-weight:700}
.warnbox{background:#fff7e8;border:1px solid #f0d29a;border-radius:12px;padding:12px 14px;font-size:14px}
.okbox{background:#ecf7f0;border:1px solid #b6dfc4;border-radius:12px;padding:12px 14px;font-size:14px}
.errbox{background:#fdecea;border:1px solid #f3b8b2;border-radius:12px;padding:12px 14px;font-size:14px;color:var(--bad)}

/* ---------- App ---------- */
.app main{padding:18px 0 80px}
.step{background:#fff;border:1px solid var(--line);border-radius:16px;margin:0 0 16px;overflow:hidden}
.step>summary{list-style:none;cursor:pointer;padding:16px 18px;display:flex;align-items:center;gap:12px;font-weight:700;font-size:17px}
.step>summary::-webkit-details-marker{display:none}
.step>summary .nr{flex:0 0 30px;height:30px;border-radius:50%;background:var(--acc);color:#fff;display:flex;align-items:center;justify-content:center;font-size:15px}
.step>summary .info{margin-left:auto;font-weight:500;font-size:13px;color:var(--dim);text-align:right}
.step[open]>summary{border-bottom:1px solid var(--line);background:var(--soft)}
.step .body{padding:16px 18px}
.f{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:10px 14px}
.f label,.lbl{display:block;font-size:13px;font-weight:600;color:var(--dim);margin:0 0 3px}
input[type=text],input[type=date],input[type=email],select{width:100%;padding:10px 11px;border:1px solid var(--line);border-radius:9px;font-size:16px;font-family:inherit;background:#fff;color:var(--text)}
input:focus,select:focus{outline:2px solid #9cc0ec;border-color:#9cc0ec}
input.num{text-align:right}
.row{border:1px solid var(--line);border-radius:12px;padding:12px;margin:0 0 10px;background:#fcfdfe;position:relative}
.row .x{position:absolute;top:8px;right:8px;border:0;background:transparent;color:var(--dim);font-size:20px;cursor:pointer;line-height:1;padding:4px 8px}
.row h4{margin:0 0 10px;font-size:15px;padding-right:30px}
.sub{margin-top:10px;padding-top:10px;border-top:1px dashed var(--line)}
.hint{font-size:12.5px;color:var(--dim);margin:4px 0 0}
.tbl{width:100%;border-collapse:collapse;font-size:14.5px}
.tbl th,.tbl td{padding:8px 6px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.tbl th{font-size:12.5px;color:var(--dim);font-weight:700}
.tbl td.r,.tbl th.r{text-align:right;white-space:nowrap}
.plus{color:var(--bad);font-weight:700}.minus{color:var(--good);font-weight:700}
.toolbar{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 14px}
.pay{border:2px solid var(--acc);border-radius:16px;padding:18px;background:#fff;margin-top:16px}
.pay .preis{font-size:30px;font-weight:800}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;margin:12px 0}
.consent input{margin-top:3px;width:18px;height:18px;flex:0 0 18px}
.dl{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.toggle{display:flex;gap:8px;align-items:center;font-size:14px;margin:8px 0}
.toggle input{width:18px;height:18px}
.scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
.hidden{display:none!important}

@media(max-width:760px){
  .grid3,.grid2{grid-template-columns:1fr}
  .step>summary .info{display:none}
  .f{grid-template-columns:1fr 1fr}
  .tbl{font-size:13px}.tbl .hm{display:none}.tbl th,.tbl td{padding:7px 4px}
}
@media(max-width:420px){.f{grid-template-columns:1fr}}

/* Dialog */
#nkModal{position:fixed;inset:0;background:rgba(20,32,46,.45);z-index:100;display:flex;align-items:center;justify-content:center;padding:16px}
#nkModal .modalbox{background:#fff;border-radius:16px;max-width:520px;width:100%;padding:20px;box-shadow:0 20px 60px rgba(0,0,0,.25)}
#nkModal h3{color:var(--acc)}
.doc table{width:100%;border-collapse:collapse;font-size:15px;margin:8px 0 14px}
.doc th,.doc td{border-bottom:1px solid var(--line);padding:8px 6px;text-align:left;vertical-align:top}
.doc th{font-size:13px;color:var(--dim)}
.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px}
.doc td,.doc th{overflow-wrap:anywhere;hyphens:auto}
@media(max-width:760px){.doc table{font-size:13.5px}.doc th,.doc td{padding:6px 4px}}