.av-risk-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;max-width:1100px;margin:0 auto;display:grid}.av-risk-card{background:var(--card-bg,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{box-shadow:var(--shadow-soft);border-color:#0e5e5540;transform:translateY(-4px)}.av-risk-icon{background:var(--teal-pale);width:44px;height:44px;color:var(--teal);border-radius:10px;justify-content:center;align-items:center;margin-bottom:22px;transition:transform .2s;display:inline-flex}.av-risk-card:hover .av-risk-icon{transform:rotate(-6deg)}.av-risk-title{font-family:var(--font-display);letter-spacing:-.02em;color:var(--ink);margin:0 0 12px;font-size:19px;font-weight:600;line-height:1.2}.av-risk-body{color:var(--ink-soft);margin:0;font-size:14px;line-height:1.65}.av-time-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:20px;max-width:920px;margin:0 auto 28px;display:grid}.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{box-shadow:var(--shadow-soft);transform:translateY(-4px)}.av-time-card.early{background:var(--teal-pale);border-color:#0e5e5559}.av-time-card.late{background:#e591540f;border-color:#e5915459}.av-time-label{font-family:var(--font-mono);letter-spacing:.14em;text-transform:uppercase;margin-bottom:6px;font-size:11px;font-weight:600}.av-time-card.early .av-time-label{color:var(--teal)}.av-time-card.late .av-time-label{color:var(--gold)}.av-time-sub{color:var(--ink-soft);margin:0 0 16px;font-size:13px}.av-time-amount{font-family:var(--font-display);letter-spacing:-.034em;font-variant-numeric:tabular-nums;margin-bottom:4px;font-size:clamp(36px,2rem + 1.2vw,48px);font-weight:600;line-height:1}.av-time-card.early .av-time-amount{color:var(--teal)}.av-time-card.late .av-time-amount{color:var(--gold)}.av-time-unit{color:var(--ink-faint);margin:0 0 4px;font-size:13px}.av-time-einzahlung{color:var(--ink-faint);margin:0 0 14px;font-size:12px}.av-time-body{color:var(--ink-soft);margin:0;font-size:13.5px;line-height:1.65}.av-time-disclaimer{color:var(--ink-faint);text-align:center;max-width:920px;margin:0 auto 28px;font-size:12px}.av-compare-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:20px;max-width:920px;margin:0 auto 28px;display:grid}.av-compare-card{background:var(--card-bg,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{box-shadow:var(--shadow-soft);transform:translateY(-4px)}.av-compare-icon{background:var(--teal-pale);width:44px;height:44px;color:var(--teal);border-radius:10px;justify-content:center;align-items:center;margin-bottom:22px;display:inline-flex}.av-compare-title{font-family:var(--font-display);letter-spacing:-.02em;color:var(--ink);margin:0 0 12px;font-size:18px;font-weight:600;line-height:1.2}.av-compare-body{color:var(--ink-soft);margin:0;font-size:14px;line-height:1.65}.av-endvermogen-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:20px;max-width:920px;margin:0 auto 20px;display:grid}.av-endvermogen-card{background:var(--card-bg,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{background:var(--teal);color:var(--ink-inverse);font-family:var(--font-mono);letter-spacing:.14em;text-transform:uppercase;border-radius:999px;padding:4px 14px;font-size:10px;font-weight:600;position:absolute;top:-14px;right:20px}.av-endvermogen-label{font-family:var(--font-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:16px;font-size:11px;font-weight:500}.av-endvermogen-card.highlight .av-endvermogen-label{color:var(--teal)}.av-endvermogen-amount{font-family:var(--font-display);letter-spacing:-.034em;font-variant-numeric:tabular-nums;color:var(--ink-soft);margin-bottom:6px;font-size:clamp(32px,1.8rem + 1vw,44px);font-weight:600;line-height:1}.av-endvermogen-card.highlight .av-endvermogen-amount{color:var(--teal)}.av-endvermogen-meta{color:var(--ink-faint);margin:0 0 14px;font-size:12px}.av-endvermogen-list{flex-direction:column;gap:7px;margin:0;padding:0;list-style:none;display:flex}.av-endvermogen-list li{color:var(--ink-soft);padding-left:16px;font-size:13px;line-height:1.5;position:relative}.av-endvermogen-list li:before{content:"";background:var(--ink-faint);border-radius:999px;width:5px;height:5px;position:absolute;top:8px;left:1px}.av-endvermogen-card.highlight .av-endvermogen-list li:before{background:var(--teal)}.av-delta{font-family:var(--font-display);color:var(--teal);text-align:center;max-width:920px;margin:0 auto 6px;font-size:clamp(20px,1.2rem + .6vw,28px);font-weight:600}.av-delta-sub{color:var(--ink-soft);text-align:center;max-width:620px;margin:0 auto 24px;font-size:14px}.av-produkte-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:20px;max-width:920px;margin:0 auto 32px;display:grid}.av-produkt-card{background:var(--card-bg,var(--surface-paper));border:1px solid var(--line);border-radius:var(--radius-md);padding:32px;transition:all .2s cubic-bezier(.2,0,0,1);position:relative}.av-produkt-card:hover{box-shadow:var(--shadow-soft);border-color:#0e5e5540;transform:translateY(-4px)}.av-produkt-card.featured{border:2px solid var(--teal);background:var(--teal-pale);box-shadow:var(--shadow-soft)}.av-produkt-tag{background:var(--teal);color:var(--ink-inverse);font-family:var(--font-mono);letter-spacing:.14em;text-transform:uppercase;border-radius:999px;padding:4px 14px;font-size:10px;font-weight:600;position:absolute;top:-14px;right:20px}.av-produkt-icon{background:var(--teal-pale);width:44px;height:44px;color:var(--teal);border-radius:10px;justify-content:center;align-items:center;margin-bottom:20px;display:inline-flex}.av-produkt-card.featured .av-produkt-icon{color:var(--teal-glow);background:#2db3a038}.av-produkt-title{font-family:var(--font-display);letter-spacing:-.02em;color:var(--ink);margin:0 0 8px;font-size:20px;font-weight:600;line-height:1.2}.av-produkt-sub{color:var(--ink-soft);margin:0 0 18px;font-size:13px;line-height:1.5}.av-check-list,.av-cross-list{flex-direction:column;gap:8px;margin:0;padding:0;list-style:none;display:flex}.av-check-list li,.av-cross-list li{align-items:flex-start;gap:8px;font-size:13.5px;line-height:1.5;display:flex}.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);border-radius:0 var(--radius) var(--radius) 0;max-width:920px;margin:0 auto 24px;padding:22px 24px}.av-empfehlung-block h4{font-family:var(--font-display);color:var(--ink);letter-spacing:-.015em;margin:0 0 8px;font-size:16px;font-weight:600}.av-empfehlung-block p{color:var(--ink-soft);margin:0;font-size:14px;line-height:1.6}.av-hinweis-block{border-left:3px solid var(--line);border-radius:0 var(--radius) var(--radius) 0;max-width:920px;margin:0 auto;padding:16px 20px}.av-hinweis-block h4{font-family:var(--font-display);color:var(--ink);margin:0 0 6px;font-size:14px;font-weight:600}.av-hinweis-block p{color:var(--ink-soft);margin:0;font-size:13.5px;line-height:1.6}.av-ablauf-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;max-width:860px;margin:0 auto 40px;display:grid}.av-ablauf-card{background:var(--card-bg,var(--surface-paper));border:1px solid var(--line);border-radius:var(--radius-md);grid-template-columns:auto minmax(0,1fr) auto;align-items:baseline;gap:10px 12px;padding:32px;transition:all .2s cubic-bezier(.2,0,0,1);display:grid}.av-ablauf-card>.av-ablauf-card-top{display:contents}.av-ablauf-card .av-ablauf-num{grid-area:1/1;margin-bottom:0;font-size:40px}.av-ablauf-card .av-ablauf-title{grid-area:1/2;margin-bottom:0}.av-ablauf-card .av-ablauf-time{grid-area:1/3;align-self:start}.av-ablauf-card .av-ablauf-body{grid-area:2/1/auto/-1}@media (width<=640px){.av-ablauf-card{grid-template-columns:auto minmax(0,1fr)}.av-ablauf-card .av-ablauf-time{grid-area:2/2;justify-self:start}.av-ablauf-card .av-ablauf-body{grid-row:3}}.av-ablauf-card:hover{box-shadow:var(--shadow-soft);border-color:#0e5e5540;transform:translateY(-3px)}.av-ablauf-card-top{justify-content:space-between;align-items:flex-start;display:flex}.av-ablauf-num{font-family:var(--font-accent);color:var(--teal);opacity:.22;letter-spacing:-.04em;font-size:56px;font-style:italic;font-weight:600;line-height:1}.av-ablauf-time{font-family:var(--font-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--teal);background:var(--teal-pale);white-space:nowrap;border-radius:999px;margin-top:8px;padding:4px 12px;font-size:10px;font-weight:500}.av-ablauf-title{font-family:var(--font-display);letter-spacing:-.02em;color:var(--ink);margin:0;font-size:17px;font-weight:600;line-height:1.25}.av-ablauf-body{color:var(--ink-soft);flex:1;margin:0;font-size:13.5px;line-height:1.65}.av-personas-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;max-width:1100px;margin:0 auto;display:grid}.av-persona-card{background:var(--card-bg,var(--surface-paper));border:1px solid var(--line);border-radius:var(--radius-md);flex-direction:column;padding:32px;transition:all .2s cubic-bezier(.2,0,0,1);display:flex}.av-persona-card:hover{box-shadow:var(--shadow-soft);border-color:#0e5e5540;transform:translateY(-4px)}.av-persona-icon{background:var(--teal-pale);width:44px;height:44px;color:var(--teal);border-radius:10px;justify-content:center;align-items:center;margin-bottom:20px;display:inline-flex}.av-persona-title{font-family:var(--font-display);letter-spacing:-.02em;color:var(--ink);margin:0 0 12px;font-size:19px;font-weight:600;line-height:1.2}.av-persona-body{color:var(--ink-soft);flex:1;margin:0 0 22px;font-size:14px;line-height:1.65}.av-warn-box{border-radius:var(--radius);color:var(--ink-soft);background:#e591540f;border:1px solid #e591544d;max-width:920px;margin:0 auto;padding:18px 20px;font-size:14px;line-height:1.6}.av-info-box{background:var(--teal-pale);border-radius:var(--radius);color:var(--ink-soft);border:1px solid #0e5e5540;max-width:920px;margin:0 auto;padding:18px 20px;font-size:14px;line-height:1.6}@media (width<=1100px){.av-personas-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}}@media (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:minmax(0,1fr)}}@media (width<=640px){.av-ablauf-grid{grid-template-columns:minmax(0,1fr)}}@media (width<=380px){.av-persona-card,.av-ablauf-card{padding:24px 20px}}