/* SIP: spacious typography, purposeful geometry and distinct page openings. */
.hero-v2{min-height:680px;background:var(--navy)}
.hero-v2:after{display:none}
.hero-v2 .hero-inner{padding:94px 0 80px}
.hero-v2 .hero-copy{max-width:1000px}
.hero-v2 h1{max-width:1000px;font-size:clamp(3.2rem,6.4vw,6rem);line-height:1.06}
.hero-v2 .lead{max-width:690px;font-size:19px;margin-top:32px}
.hero-v2 .hero-note{margin-top:44px}
.geometry{position:absolute;right:-160px;top:0;bottom:0;width:780px;pointer-events:none;overflow:hidden}
.geometry i{display:block;position:absolute;width:490px;height:490px;transform:rotate(45deg);right:-15px;top:40px;background:#18304b}
.geometry i:nth-child(2){right:100px;top:230px;background:#122840}
.geometry i:nth-child(3){width:450px;height:450px;right:15px;top:50px;background:transparent;border:1px solid #b5944b80}
.geometry i:nth-child(4){width:330px;height:330px;right:72px;top:106px;background:transparent;border:1px solid #ffffff13}
.hero-v2 .hero-copy,.plan-hero-copy{position:relative;z-index:1}
.editorial-hero{position:relative;isolation:isolate;overflow:hidden;padding:100px 0 94px;background:white}
.editorial-copy{position:relative;z-index:1;max-width:930px}
.editorial-hero h1{font-size:clamp(3.2rem,6.1vw,5.7rem);max-width:940px}
.editorial-hero .lead{margin-top:30px;max-width:690px}

.editorial-contact .eyebrow,.editorial-metals .eyebrow{color:var(--gold-light)}
.editorial-contact .lead,.editorial-metals .lead{color:#edf0f4}
.editorial-contact .geometry{display:none}
.editorial-contact{min-height:580px;color:white;background:linear-gradient(90deg,#0d1e36d9,#0d1e3670 55%,#0d1e3620),url('/assets/contact-panorama.jpg') center/cover;display:flex;align-items:center}
.editorial-contact .editorial-copy{max-width:780px}
.editorial-metals{min-height:520px;background:var(--navy);color:white;display:flex;align-items:center}
.editorial-metals .editorial-copy{max-width:880px}
.metal-type{position:absolute;z-index:0;right:8%;top:55px;bottom:55px;width:360px;border:1px solid var(--gold);color:var(--gold);font:300px/1.15 var(--serif);text-align:center}
.metal-type span{position:absolute;left:25px;top:14px;font:20px var(--sans);color:var(--gold)}
.metal-type small{display:block;font:14px var(--sans);letter-spacing:.4em;color:var(--gold)}
.editorial-plans{padding:105px 0 98px;min-height:480px;border-bottom:1px solid var(--line)}
.editorial-plans .editorial-copy{max-width:810px}
.editorial-plans h1{max-width:750px}




.editorial-faq{background:var(--gold);color:var(--navy);padding:86px 0;min-height:430px}
.editorial-faq .eyebrow{color:var(--navy)}
.faq-mark{position:absolute;right:10%;top:-15px;font:430px/1 var(--serif);color:var(--navy);transform:rotate(8deg)}
.editorial-calculator{padding:68px 0 60px;border-bottom:1px solid var(--line)}
.editorial-calculator h1{font-size:clamp(3rem,5vw,4.7rem)}
.editorial-calculator .geometry{opacity:.12;right:-220px}
.editorial-calculator .editorial-copy{max-width:900px}
.editorial-legal{padding:60px 0 52px;border-bottom:1px solid var(--line)}
.editorial-legal h1{font-size:clamp(2.7rem,4.5vw,4.3rem)}
.editorial-legal .eyebrow{margin-bottom:16px}
.editorial-legal .geometry{display:none}
.editorial-legal .editorial-copy{border-left:3px solid var(--gold);padding-left:30px}
.plan-hero{position:relative;overflow:hidden;padding:95px 0 83px;min-height:565px}
.plan-hero-copy{max-width:940px}
.plan-hero h1{font-size:clamp(3.3rem,6.1vw,5.8rem);line-height:1.1;max-width:970px}
.plan-hero .lead{margin-top:30px;max-width:710px}
.plan-signature{margin-top:46px;padding-left:22px;border-left:1px solid var(--gold);font-size:14px;letter-spacing:.04em}
.plan-manage{background:white;color:var(--navy);border-bottom:1px solid var(--line)}
.plan-manage .geometry i{background:#b5944b16}
.plan-manage .geometry i:nth-child(2){background:#0d1e3606}
.plan-manage .geometry i:nth-child(3){background:transparent;border-color:var(--gold)}
.plan-manage .geometry i:nth-child(4){background:transparent;border-color:#b5944b50}
.plan-manage .btn.outline{border-color:var(--navy);color:var(--navy)}
.product{border-radius:0;min-height:365px;padding:40px 34px}
.product-me{background:var(--navy);border-color:var(--navy);color:white}
.section .product-me p{color:#d2dbe6}
.product-me .number{color:var(--gold-light)}
.product-me .link{color:white}
.product-manage{background:white;border-color:#bac3cf}
.product-kids{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.section .product-kids p,.product-kids .number{color:var(--navy)}
.product-kids .link{border-color:var(--navy)}
.product-kids:after{display:none}
.product .number{margin-bottom:42px}
.video-section{padding-top:10px}
.video-frame{max-width:900px;margin:auto;border-radius:0}
.video-label{display:none}
.fundament .detail-stack{max-width:none;margin:0}
.kids-hero{background:var(--navy);color:white;position:relative;padding:70px 0 68px}
.kids-hero h1,.kids-hero .eyebrow{color:var(--gold-light)}
.kids-hero .lead{color:white}
.kids-hero .btn{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.kids-hero .btn.outline{background:transparent;color:white}
.kids-hero .btn:hover{background:var(--gold-light);border-color:var(--gold-light);color:var(--navy)}
.kids-hero .btn.outline:hover{background:#ffffff0d;color:white}
.kids-hero .owl-scene:before{border-color:var(--gold);background:var(--gold);width:380px;height:380px}
.kids-hero .speech{border:0;box-shadow:0 10px 25px #0d1e3610}
.kids-hero .speech:after{border:0}
.kids-hero .owl-scene img{width:320px}
.app-hero-v2{position:relative;background:white;color:var(--navy);padding:80px 0;isolation:isolate}
.app-hero-v2:after{content:'';position:absolute;z-index:-1;right:-7%;top:0;bottom:0;width:52%;background:var(--navy);transform:skewX(-12deg)}
.app-hero-v2 h1{font-size:clamp(3.2rem,5.8vw,5.3rem)}
.app-hero-v2 .eyebrow{color:#866724!important}
.app-hero-v2 p{color:var(--muted)}
.app-hero-v2 .btn.outline{color:var(--navy);border-color:var(--navy)}
.app-hero-v2 .app-shot{transform:rotate(-3deg);box-shadow:0 25px 45px #0004}
.app-hero-v2 .app-shot.second{transform:rotate(3deg) translateY(30px)}
.app-hero-v2 .app-visual{min-height:480px}
.cta{background:white;border-top:1px solid var(--line)}
.comparison-top{display:flex;align-items:center;justify-content:space-between;gap:40px}
.comparison-top .section-heading{max-width:770px}
.country-switch{display:flex;gap:8px;align-self:flex-start;margin-top:52px;background:white;padding:6px;border:1px solid var(--line)}
.country-switch button{border:0;padding:10px 13px;cursor:pointer;display:flex;align-items:center;gap:9px;background:white;color:var(--navy);font-size:14px;min-height:44px}
.country-switch button[aria-pressed=true]{background:var(--navy);color:white}
.country-switch button:hover{box-shadow:inset 0 0 0 1px var(--gold)}
.flag{width:22px;height:15px;display:inline-block;position:relative;flex-shrink:0;box-shadow:0 0 0 1px #0001}
.flag-de{background:linear-gradient(#171717 0 33.333%,#dd2525 33.333% 66.666%,#f2c841 66.666%)}
.flag-at{background:linear-gradient(#d92630 0 33.333%,white 33.333% 66.666%,#d92630 66.666%)}
.flag-ch{background:#da2433;width:17px;height:17px;margin-inline:2.5px}
.flag-ch:before,.flag-ch:after{content:'';position:absolute;background:white;left:4px;top:7px;width:9px;height:3px}
.flag-ch:after{transform:rotate(90deg)}
.comparison-panel{border:1px solid var(--line);background:white;padding:32px 48px}
.comparison-assumptions{display:flex;justify-content:center;gap:45px;font-size:14px;padding-bottom:25px;border-bottom:1px solid var(--line);flex-wrap:wrap}
.comparison-assumptions strong{font-weight:600}
.savings-chart{display:grid;grid-template-columns:repeat(3,1fr);gap:60px;max-width:850px;margin:35px auto 0;text-align:center}
.savings-column{display:flex;flex-direction:column;align-items:center;min-width:0}
.bar-value{font:30px/1.2 var(--serif);display:block;margin-bottom:20px;white-space:nowrap}
.gold-value{color:#856421}
.bar-space{height:310px;width:100%;max-width:170px;display:flex;align-items:flex-end;border-bottom:1px solid #0d1e3620}
.savings-bar{width:100%;background:var(--navy);position:relative;overflow:hidden}
.inflation-loss{position:absolute;top:0;left:0;right:0;background:#dce0e5;transition:height .45s}
.gold-bar{background:var(--gold)}
.savings-column h3{font-size:17px;margin-top:23px;font-weight:600}
.savings-column p{font-size:14px;line-height:1.5;margin-top:9px}
.comparison-legend{display:flex;justify-content:center;flex-wrap:wrap;gap:12px 34px;font-size:14px;margin-top:30px}
.comparison-legend>span{display:flex;gap:10px;align-items:center}
.comparison-legend i{width:12px;height:12px;display:block;flex-shrink:0}
.legend-grey{background:#dce0e5}.legend-gold{background:var(--gold)}
.model-caption{font-size:13px!important;text-align:center;margin-top:19px;color:var(--muted)}
.model-disclosure{border-top:1px solid var(--line);margin-top:23px;font-size:14px}
.model-disclosure summary{cursor:pointer;padding:18px 0 3px;font-size:14px;list-style:none;display:flex;justify-content:space-between;gap:20px}
.model-disclosure summary:after{content:'+';color:#866724;font-size:21px;line-height:1}
.model-disclosure[open] summary:after{content:'−'}
.model-disclosure summary::-webkit-details-marker{display:none}
.model-notes{padding:20px 0 0;line-height:1.75;color:var(--muted);max-width:1050px}
.model-notes h3{font-size:15px;margin:24px 0 10px;color:var(--navy)}
.model-notes h3:first-child{margin-top:0}
.model-notes a{text-decoration:underline;text-underline-offset:3px}
.model-notes ul{padding-left:20px;margin:12px 0}
.model-notes li{margin:10px 0}
.kids-comparison .lesson{margin-top:40px;grid-template-columns:150px 1fr}
.kids-comparison .lesson img{width:140px}
@media(min-width:1600px){.hero-v2{min-height:710px}}
@media(max-width:1180px){.hero-v2 h1{font-size:5.1rem}.geometry{right:-310px;opacity:.7}.editorial-plans .editorial-copy{max-width:730px}.comparison-panel{padding:30px}.savings-chart{gap:40px}.comparison-top{gap:24px}}
@media(max-width:950px){.hero-v2{min-height:640px}.hero-v2 h1{font-size:4.4rem}.hero-v2 .hero-copy{max-width:770px}.hero-v2 .lead{max-width:620px}.editorial-hero{padding:80px 0}.editorial-contact{min-height:510px}.editorial-hero h1{font-size:4.2rem}.metal-type{right:-100px;opacity:1}.editorial-plans .editorial-copy{max-width:600px}.plan-hero h1{font-size:4.4rem}.plan-hero-copy{max-width:760px}.geometry-me,.geometry-manage{opacity:.4}.comparison-top{display:block}.country-switch{display:inline-flex;margin:0 0 30px}.comparison-top .section-heading{margin-bottom:24px}.comparison-assumptions{gap:16px 24px}.savings-chart{gap:24px}.bar-value{font-size:26px}.app-hero-v2 .app-visual{min-height:430px}}
@media(max-width:700px){.hero-v2{min-height:0}.hero-v2 .hero-inner{padding:65px 0 68px}.hero-v2 h1{font-size:3.4rem;max-width:560px}.hero-v2 h1 br{display:none}.hero-v2 .lead{font-size:17px;max-width:490px}.hero-v2 .geometry{right:-510px;opacity:.6}.hero-v2 .hero-note{margin-top:38px}.editorial-hero{padding:62px 0 65px}.editorial-hero h1{font-size:3.1rem}.editorial-hero .lead{font-size:17px;margin-top:24px}.editorial-contact{min-height:480px}.editorial-contact{background-position:60% center}.editorial-plans{min-height:0;border-right:12px solid var(--gold)}.editorial-faq{min-height:0}.faq-mark{right:-5px;top:70px;font-size:270px}.metal-type{top:70px;right:-150px;font-size:250px;width:320px;bottom:45px;opacity:1}.editorial-metals{min-height:400px}.editorial-legal{padding:42px 0}.editorial-legal .editorial-copy{padding-left:20px}.editorial-legal h1{font-size:2.6rem;overflow-wrap:anywhere}.editorial-calculator{padding:45px 0}.editorial-calculator .geometry{display:none}.plan-hero{padding:62px 0;min-height:0}.plan-hero h1{font-size:3.25rem}.plan-hero .lead{font-size:17px}.plan-hero .geometry{right:-530px;opacity:.4}.plan-signature{margin-top:36px;max-width:260px}.product{min-height:300px}.product .number{margin-bottom:27px}.kids-hero .owl-scene img{width:255px}.kids-hero .owl-scene:before{width:300px;height:300px}.kids-hero .owl-scene{min-height:365px}.kids-hero .split{gap:35px}.app-hero-v2:after{top:52%;width:105%;right:-10%;transform:skewX(-8deg)}.app-hero-v2 .app-visual{min-height:480px;margin-top:15px}.app-hero-v2 .split{gap:26px}.comparison-panel{padding:24px 15px}.comparison-assumptions{gap:8px;font-size:13px;display:grid;text-align:center}.savings-chart{gap:12px;margin-top:25px}.bar-value{font-size:18px;margin-bottom:15px;letter-spacing:-.04em}.bar-space{height:235px;max-width:80px}.savings-column h3{font-size:14px;line-height:1.35;margin-top:17px}.savings-column p{font-size:12px}.comparison-legend{justify-content:flex-start;gap:12px;font-size:13px;margin-top:25px}.model-caption{text-align:left;font-size:12px!important}.model-notes{font-size:13px}.kids-comparison .lesson{grid-template-columns:85px 1fr;gap:15px}.kids-comparison .lesson img{width:85px}.country-switch{margin-bottom:25px}.fundament .section-heading{max-width:none}.fundament .detail-stack summary{font-size:18px}}
@media(prefers-reduced-motion:reduce){.inflation-loss{transition:none}}
@media(max-width:700px){.editorial-faq .wrap{display:flex;flex-direction:column}}

/* Final brand refinements and image-free WebApp section. */
.editorial-plans .geometry{right:-160px;opacity:1}
.editorial-service{min-height:540px;border-bottom:1px solid var(--line);background:#fff;padding-bottom:130px}
.editorial-service .editorial-copy{max-width:1050px}
.editorial-service h1{max-width:1050px}
.service-ribbon{position:absolute;inset:0;z-index:0;overflow:hidden;pointer-events:none}
.service-ribbon i{position:absolute;inset:0;display:block;background:var(--gold);clip-path:polygon(0 83%,38% 99%,100% 21%,100% 40%,39% 113%,0 96%)}
.service-ribbon i:nth-child(2){background:#dec484;clip-path:polygon(0 96%,40% 113%,100% 40%,100% 59%,43% 128%,0 110%)}
.service-ribbon i:nth-child(3){background:var(--navy);clip-path:polygon(0 77%,38% 93%,100% 15%,100% 15.4%,38% 93.5%,0 77.6%)}
.editorial-service .editorial-copy:before{content:'';position:absolute;z-index:-1;inset:-35px -85px -30px -35px;background:linear-gradient(90deg,#fff 0%,#fff 78%,#ffffff00)}
.editorial-plans .editorial-copy{max-width:calc(100% - 330px)}
.family-image{object-position:70% 50%}
.contact-form .contact-trap{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}
.contact-form .contact-consent{display:flex;align-items:flex-start;gap:12px;font-size:14px;line-height:1.6;margin:22px 0}
.contact-form .contact-consent input{flex:0 0 18px;width:18px;height:18px;margin-top:3px;accent-color:var(--navy)}
.contact-consent a{text-decoration:underline;text-underline-offset:3px}
.contact-form button:disabled{opacity:.65;cursor:wait}
#contact-status{font-size:15px;margin-top:20px;line-height:1.6}
#contact-status[data-state=error]{color:#9a2c25}
#contact-status[data-state=success]{color:var(--navy);padding:15px;border-left:3px solid var(--gold);background:#f7f8fa}
.webapp-section{background:white;border-block:1px solid var(--line)}
.webapp-layout{display:grid;grid-template-columns:1fr 1.15fr;gap:100px;align-items:center}
.webapp-layout>div:nth-child(2){padding-left:45px;border-left:2px solid var(--gold)}
@media(max-width:1180px){.editorial-plans .geometry,.editorial-service .geometry{right:-340px}.editorial-plans .editorial-copy,.editorial-service .editorial-copy{max-width:calc(100% - 190px)}.webapp-layout{gap:50px}}
@media(max-width:950px){.editorial-plans .geometry,.editorial-service .geometry{right:-470px}.editorial-plans .editorial-copy,.editorial-service .editorial-copy{max-width:calc(100% - 80px)}.editorial-metals .wrap{display:grid;grid-template-columns:1fr 230px;gap:25px;align-items:center}.editorial-metals h1{font-size:3.5rem}.editorial-metals .metal-type{position:relative;top:auto;bottom:auto;right:auto;width:230px;min-height:290px;font-size:210px;line-height:1.1;grid-column:2;grid-row:1}.editorial-metals{display:block}.editorial-faq .faq-mark{font-size:260px;right:4%;top:75px}.editorial-faq .editorial-copy{max-width:calc(100% - 160px)}}
@media(max-width:700px){.editorial-plans{border-right:0}.editorial-plans .geometry,.editorial-service .geometry{right:-590px;opacity:1}.editorial-plans .editorial-copy,.editorial-service .editorial-copy{max-width:none;padding-right:16px}.editorial-service{min-height:0}.webapp-layout{grid-template-columns:1fr;gap:30px}.webapp-layout>div:nth-child(2){padding:25px 0 0;border-left:0;border-top:2px solid var(--gold)}.editorial-faq{padding-bottom:45px}.editorial-faq .faq-mark{position:relative;display:block;top:auto;right:auto;font-size:130px;line-height:1;margin-left:20px;margin-top:15px;transform:rotate(8deg)}.editorial-faq .editorial-copy{max-width:none}.editorial-faq{display:flex;flex-direction:column}.editorial-faq .wrap{order:0}.editorial-faq .faq-mark{order:1;align-self:flex-end;margin-right:25px}.editorial-metals .wrap{display:flex;flex-direction:column;align-items:flex-start;gap:28px}.editorial-metals .metal-type{width:150px;min-height:180px;font-size:132px;line-height:1.1;align-self:flex-end}.metal-type span{font-size:13px;top:9px;left:13px}.metal-type small{font-size:10px}.editorial-metals h1{font-size:3.1rem}.kids-hero .owl-scene:before{background:var(--gold)}}

@media(max-width:950px){.editorial-service .editorial-copy{max-width:none}.editorial-service{padding-bottom:125px}.service-ribbon i{clip-path:polygon(0 81%,40% 99%,100% 47%,100% 61%,41% 115%,0 95%)}.service-ribbon i:nth-child(2){clip-path:polygon(0 95%,41% 115%,100% 61%,100% 75%,42% 131%,0 110%)}.service-ribbon i:nth-child(3){clip-path:polygon(0 75%,39% 93%,100% 41%,100% 41.5%,39% 93.5%,0 75.5%)}}
@media(max-width:700px){.editorial-service{padding-bottom:120px}.editorial-service .editorial-copy:before{inset:-20px -20px -12px;background:linear-gradient(#fff 0%,#fff 90%,#ffffff00)}.service-ribbon i{clip-path:polygon(0 80%,38% 95%,100% 77%,100% 88%,38% 106%,0 91%)}.service-ribbon i:nth-child(2){clip-path:polygon(0 91%,38% 106%,100% 88%,100% 99%,38% 117%,0 102%)}.service-ribbon i:nth-child(3){clip-path:polygon(0 75%,38% 90%,100% 72%,100% 72.4%,38% 90.4%,0 75.4%)}}