@keyframes fadeUp{0%{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}*,::after,::before{box-sizing:border-box;margin:0;padding:0}:root{--bg:#f9f8f6;--bg2:#f0eeea;--surface:#ffffff;--surface2:#f5f4f1;--border:#e2ddd6;--border2:#ccc8bf;--navy:#0f2444;--navy-dim:#1a3a6e;--navy-faint:rgba(15,36,68,0.06);--navy-mid:rgba(15,36,68,0.12);--accent:#16a34a;--accent-dim:#15803d;--red:#dc2626;--amber:#d97706;--text:#1a1814;--text-muted:#5c564e;--text-dim:#726e6a;--gold:#0f2444;--gold-dim:#1a3a6e;--gold-faint:rgba(15,36,68,0.06);--green:#16a34a;--radius:12px;--shadow-sm:0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);--shadow:0 4px 16px rgba(0,0,0,0.08), 0 2px 4px rgba(0,0,0,0.04)}html{scroll-behavior:smooth}body{background:var(--bg);color:var(--text);font-family:"Plus Jakarta Sans",sans-serif;overflow-x:hidden}nav{top:0;left:0;right:0;z-index:100;padding:0 32px;height:64px;display:flex;align-items:center;gap:20px;justify-content:flex-start;background:rgba(249,248,246,.92);backdrop-filter:blur(20px);border-bottom:1px solid var(--border);box-shadow:var(--shadow-sm);position:fixed}.nav-tagline{flex:1 1 auto;min-width:0;text-align:center;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;font-size:12px;font-weight:600;color:var(--text-muted);letter-spacing:.5px}.nav-logo,.nav-logo-icon{display:flex;align-items:center}.nav-logo{gap:10px;text-decoration:none}.nav-logo-icon{width:32px;height:32px;background:var(--navy);border-radius:8px;justify-content:center;font-size:16px;font-weight:900;color:#fff;font-family:"Fraunces",serif}.nav-logo-text{font-family:"Fraunces",serif;font-size:18px;font-weight:700;color:var(--text);letter-spacing:-.3px}.nav-logo-text span{color:var(--navy)}.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin-left:auto}.nav-links a{color:var(--text-muted);text-decoration:none;font-size:14px;font-weight:500;padding:6px 12px;border-radius:8px;transition:color .2s,background .2s}.nav-links a:hover{color:var(--text);background:var(--navy-faint)}.nav-cta{background:var(--navy)!important;color:#fff!important;font-weight:600!important}.nav-cta:hover{background:var(--navy-dim)!important}.sidebar-close:hover{background:var(--navy-faint);color:var(--navy);border-color:var(--navy)}.sidebar-cta:hover{background:var(--navy-dim)}.page-wrap{max-width:900px;margin:0 auto;padding:96px 32px 80px}.page-header{margin-bottom:48px;padding-bottom:32px;border-bottom:1px solid var(--border)}.page-tag,h1 em{color:var(--navy)}.page-tag,h1{margin-bottom:12px}.page-tag{font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase}h1{font-family:"Fraunces",serif;font-size:clamp(32px,5vw,48px);font-weight:900;line-height:1.08;letter-spacing:-1.5px}h1 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Roman",serif;border:0;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;padding:0;line-height:1;flex-shrink:0;transition:background .15s,color .15s}.hint-icon.active,.hint-icon:focus-visible,.hint-icon:hover{background:var(--navy);color:#fff;outline:0}.hint-tooltip{position:absolute;z-index:30;top:130%;left:50%;transform:translateX(-50%) translateY(4px);width:max-content;max-width:min(240px,70vw);background:var(--navy);color:#fff;font-size:11.5px;line-height:1.45;font-weight:500;padding:9px 12px;border-radius:8px;box-shadow:0 10px 28px rgba(0,0,0,.18);opacity:0;visibility:hidden;pointer-events:none;transition:opacity .15s,transform .15s,visibility .15s}.hint-tooltip::before{content:"";position:absolute;bottom:100%;left:50%;transform:translateX(-50%);border:5px solid transparent;border-bottom-color:var(--navy)}.hint-icon.active+.hint-tooltip,.hint-wrap:hover .hint-tooltip{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0)}.field:first-child .hint-tooltip{left:0;transform:translateX(0) translateY(4px)}.field:first-child .hint-tooltip::before{left:8px;transform:translateX(0)}.field:first-child .hint-icon.active+.hint-tooltip,.field:first-child .hint-wrap:hover .hint-tooltip{transform:translateX(0) translateY(0)}input[type=number]{width:100%;padding:10px 14px;background:var(--surface2);border:1px solid var(--border);border-radius:8px;font-size:15px;font-weight:500;color:var(--text);font-family:"Plus Jakarta Sans",sans-serif;outline:0;transition:border-color .2s}input[type=number]:focus{border-color:var(--navy);background:var(--surface)}.slider-wrap{display:flex;flex-direction:column;gap:6px}.slider-header{display:flex;justify-content:space-between;align-items:center}.slider-val{font-size:15px;font-weight:700;color:var(--navy)}input[type=range]{width:100%;height:4px;accent-color:var(--navy);cursor:pointer}.results-panel{background:var(--navy);border-radius:var(--radius);padding:32px;color:#fff;box-shadow:var(--shadow);margin-bottom:24px}.results-title{font-family:"Fraunces",serif;font-size:18px;font-weight:700;color:#fff;margin-bottom:24px;opacity:.9}.metrics-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:24px}.metric{background:rgba(255,255,255,.08);border:1px solid 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rgba(248,113,113,.2);color:#fecaca}.verdict-icon{font-size:20px;flex-shrink:0}.timeline{background:rgba(255,255,255,.06);border-radius:10px;padding:20px}.timeline-title{font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:16px}.timeline-row{display:flex;align-items:center;gap:12px;margin-bottom:10px}.timeline-row:last-child{margin-bottom:0}.timeline-label{font-size:12px;color:rgba(255,255,255,.6);width:110px;flex-shrink:0}.timeline-bar-bg{flex:1;height:8px;background:rgba(255,255,255,.1);border-radius:4px;overflow:hidden}.timeline-bar{height:100%;border-radius:4px;transition:width .5s ease}.bar-tilgung{background:linear-gradient(90deg,#4ade80,#16a34a)}.bar-zinsen{background:linear-gradient(90deg,#f87171,#dc2626)}.bar-gesamt{background:linear-gradient(90deg,rgba(255,255,255,.4),rgba(255,255,255,.7))}.timeline-num{font-size:12px;font-weight:600;color:rgba(255,255,255,.8);width:90px;text-align:right;flex-shrink:0}.warn-box{background:#fffbeb;border:1px solid #fde68a;border-left:3px solid var(--amber);border-radius:0 10px 10px 0;padding:18px 22px;margin-bottom:24px}.warn-box-title{font-size:11px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--amber);margin-bottom:8px}.warn-box p{line-height:1.7;margin:0}.link-box{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:20px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;box-shadow:var(--shadow-sm)}.link-box-text,.warn-box p{font-size:14px;color:var(--text-muted)}.link-box-text 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a.nav-active{color:var(--navy)!important;background:var(--navy-faint)!important;font-weight:600!important}.nav-dropdown{position:relative}.nav-dropdown::after{content:"";position:absolute;left:50%;transform:translateX(-50%);top:100%;width:220px;height:10px}.nav-dropdown-toggle{display:flex;align-items:center;gap:5px;color:var(--text-muted);text-decoration:none;font-size:14px;font-weight:500;padding:6px 12px;border-radius:8px;transition:color .2s,background .2s;cursor:pointer;border:0;background:0 0;font-family:inherit}.nav-dropdown-toggle.nav-active,.nav-dropdown-toggle:hover{color:var(--navy);background:var(--navy-faint)}.nav-dropdown-toggle.nav-active{font-weight:600}.nav-dropdown-arrow{font-size:10px;transition:transform .2s}.nav-dropdown:hover .nav-dropdown-arrow{transform:rotate(180deg)}.nav-dropdown-menu{display:none;position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%);background:var(--surface);border:1px solid 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ease}.bar-fill.green{background:linear-gradient(90deg,#16a34a,#4ade80)}.bar-fill.red{background:linear-gradient(90deg,#dc2626,#f87171)}.bar-fill.navy{background:linear-gradient(90deg,rgba(255,255,255,.4),rgba(255,255,255,.7))}.bar-num{font-size:12px;font-weight:600;color:rgba(255,255,255,.8);width:90px;text-align:right;flex-shrink:0}.amort-row{display:flex;align-items:center;gap:12px;padding-top:16px;border-top:1px solid rgba(255,255,255,.1);margin-top:4px}.amort-label{font-size:12px;color:rgba(255,255,255,.6);width:100px;flex-shrink:0}.amort-num{font-family:"Fraunces",serif;font-size:22px;font-weight:700;color:#fff}.hint-box{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:20px 24px;font-size:13px;color:var(--text-muted);line-height:1.7;box-shadow:var(--shadow-sm)}@media (max-width:1320px){.nav-tagline{display:none}}@media (max-width:680px){nav{padding:0 16px}.nav-links{display:none}.page-wrap{padding:88px 16px 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