:root{--hz-gold: #ffc03a;--hz-gold-600: #e8a819;--hz-gold-700: #cf9821;--hz-gold-100: #fff6e2;--hz-gold-050: #fffaf0;--hz-ink: #1f2933;--hz-ink-soft: #52606d;--hz-ink-faint: #7b8794;--hz-slate: #4d5860;--hz-slate-900: #3a434a;--hz-panel: #e6eaed;--hz-bg: #fbfbfb;--hz-surface: #ffffff;--hz-border: #e2e5e9;--hz-border-strong: #cbd2d9;--hz-good: #2f855a;--hz-warn: #b7791f;--hz-info: #2b6cb0;--hz-font: "Jost", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--hz-font-num: "Jost", ui-monospace, "SF Mono", monospace;--hz-maxw: 1200px;--hz-maxw-text: 760px;--hz-sidebar: 320px;--hz-gap: 48px;--hz-radius: 10px;--hz-radius-sm: 6px;--hz-shadow-sm: 0 1px 2px rgba(31, 41, 51, .06), 0 1px 3px rgba(31, 41, 51, .08);--hz-shadow: 0 4px 12px rgba(31, 41, 51, .08);--hz-shadow-lg: 0 12px 32px rgba(31, 41, 51, .12);--hz-header-h: 72px}*,*:before,*:after{box-sizing:border-box}*{margin:0;padding:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--hz-header-h) + 16px)}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation-duration:.01ms!important;transition-duration:.01ms!important}}body{font-family:var(--hz-font);font-size:17px;line-height:1.7;color:var(--hz-ink);background:var(--hz-bg);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}img,picture,svg,video{display:block;max-width:100%;height:auto}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit;color:inherit}h1,h2,h3,h4,h5{font-family:var(--hz-font);line-height:1.22;font-weight:600;color:var(--hz-ink);text-wrap:balance}h1{font-size:clamp(30px,4.2vw,44px);font-weight:700;letter-spacing:-.02em}h2{font-size:clamp(25px,3.1vw,33px);margin:2.2em 0 .6em;letter-spacing:-.01em}h3{font-size:clamp(20px,2.2vw,24px);margin:1.8em 0 .5em}h4{font-size:19px;margin:1.5em 0 .4em}p{margin:0 0 1.1em;text-wrap:pretty}:focus-visible{outline:3px solid var(--hz-gold-700);outline-offset:2px;border-radius:3px}::selection{background:var(--hz-gold);color:var(--hz-ink)}.hz-skip{position:absolute;left:-9999px;top:0;z-index:999;background:var(--hz-ink);color:#fff;padding:12px 20px;border-radius:0 0 var(--hz-radius-sm) 0}.hz-skip:focus{left:0}.hz-container{max-width:var(--hz-maxw);margin:0 auto;padding:0 24px}.hz-prose{max-width:var(--hz-maxw-text)}.hz-section{padding:72px 0}.hz-section--tight{padding:48px 0}.hz-section--gold{background:var(--hz-gold-050)}.hz-section--panel{background:var(--hz-panel)}.hz-prose>:first-child{margin-top:0}.hz-prose a:not(.hz-btn){color:var(--hz-gold-700);text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1.5px;font-weight:500}.hz-prose a:not(.hz-btn):hover{color:var(--hz-ink);background:var(--hz-gold-100)}.hz-prose ul,.hz-prose ol{margin:0 0 1.2em 1.4em}.hz-prose li{margin-bottom:.5em}.hz-prose strong{font-weight:600;color:var(--hz-ink)}.hz-lead{font-size:clamp(18px,2.1vw,21px);line-height:1.6;color:var(--hz-ink-soft);margin-bottom:1.4em}.hz-btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:13px 26px;border-radius:var(--hz-radius-sm);font-weight:600;font-size:16px;border:2px solid transparent;cursor:pointer;transition:background .18s ease,color .18s ease,border-color .18s ease,transform .18s ease;text-align:center}.hz-btn--primary{background:var(--hz-gold-600);color:#fff}.hz-btn--primary:hover{background:var(--hz-gold-700);transform:translateY(-1px)}.hz-btn--ghost{border-color:var(--hz-border-strong);color:var(--hz-ink);background:var(--hz-surface)}.hz-btn--ghost:hover{border-color:var(--hz-gold-600);color:var(--hz-gold-700)}.hz-btn--onGold{background:var(--hz-ink);color:#fff}.hz-btn--onGold:hover{background:#000;transform:translateY(-1px)}.hz-btn--gold{background:var(--hz-gold);color:#1a1206;box-shadow:0 8px 24px -6px #ffa01e99}.hz-btn--gold:hover{background:#ffce5e;transform:translateY(-1px)}.hz-btn--glass{background:#ffffff14;color:#fff;border-color:#ffffff47;backdrop-filter:blur(6px)}.hz-btn--glass:hover{background:#ffffff29;border-color:#ffffff80}.hz-table-wrap{overflow-x:auto;margin:1.6em 0;border:1px solid var(--hz-border);border-radius:var(--hz-radius);background:var(--hz-surface);-webkit-overflow-scrolling:touch}.hz-table{width:100%;border-collapse:collapse;font-size:15.5px}.hz-table caption{caption-side:top;text-align:left;padding:14px 16px 10px;font-weight:600;font-size:15px;color:var(--hz-ink-soft);border-bottom:1px solid var(--hz-border)}.hz-table th,.hz-table td{padding:11px 16px;text-align:left;border-bottom:1px solid var(--hz-border)}.hz-table thead th{background:var(--hz-gold-100);font-weight:600;font-size:14.5px;color:var(--hz-ink);white-space:nowrap;position:sticky;top:0}.hz-table tbody tr:last-child td{border-bottom:0}.hz-table tbody tr:hover{background:var(--hz-gold-050)}.hz-table td.num,.hz-table th.num{text-align:right;font-variant-numeric:tabular-nums;font-feature-settings:"tnum";white-space:nowrap}.hz-card{background:var(--hz-surface);border:1px solid var(--hz-border);border-radius:var(--hz-radius);padding:24px;transition:border-color .18s ease,box-shadow .18s ease,transform .18s ease}a.hz-card:hover{border-color:var(--hz-gold);box-shadow:var(--hz-shadow);transform:translateY(-2px)}.hz-rechner{background:var(--hz-surface);border:1px solid var(--hz-border);border-top:4px solid var(--hz-gold);border-radius:var(--hz-radius);padding:30px;box-shadow:var(--hz-shadow);margin:2em 0}.hz-rechner__titel{margin:0 0 8px;font-size:clamp(22px,2.8vw,28px)}.hz-rechner__sub{color:var(--hz-ink-soft);font-size:16px;margin-bottom:24px;max-width:62ch}.hz-rechner__ergebnis{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--hz-border);border:1px solid var(--hz-border);border-radius:var(--hz-radius-sm);overflow:hidden;margin:24px 0}.hz-erg{background:var(--hz-surface);padding:18px 16px;display:flex;flex-direction:column;gap:4px}.hz-erg--haupt{background:var(--hz-gold-050)}.hz-erg__label{font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--hz-ink-faint)}.hz-erg__wert{font-size:17px;color:var(--hz-ink-soft);font-variant-numeric:tabular-nums}.hz-erg__wert strong{font-size:27px;font-weight:700;color:var(--hz-ink);display:inline-block;margin-right:3px}.hz-erg--haupt .hz-erg__wert strong{color:var(--hz-gold-700)}.hz-erg__zusatz{font-size:13.5px;color:var(--hz-ink-faint);font-variant-numeric:tabular-nums}.hz-rechner__formel{font-size:14.5px;color:var(--hz-ink-soft);background:var(--hz-gold-050);padding:14px 16px;border-radius:var(--hz-radius-sm);margin:0 0 20px}.hz-rechner__aktionen{display:flex;align-items:center;gap:12px;flex-wrap:wrap}.hz-rechner__aktionen .hz-btn{padding:10px 18px;font-size:15px}.hz-rechner__status{font-size:14px;color:var(--hz-good);font-weight:500}@media(max-width:820px){.hz-rechner{padding:22px 18px}.hz-rechner__ergebnis{grid-template-columns:1fr 1fr}}@media(max-width:520px){.hz-rechner__ergebnis{grid-template-columns:1fr}}.hz-note{border-left:4px solid var(--hz-gold);background:var(--hz-gold-050);padding:16px 20px;border-radius:0 var(--hz-radius-sm) var(--hz-radius-sm) 0;margin:1.6em 0;font-size:15.5px}.hz-note>strong:first-child{display:block;margin-bottom:4px}.hz-note ul{margin:.4em 0 0 1.2em}.hz-note li{margin-bottom:.35em}.hz-crumbs{font-size:14px;color:var(--hz-ink-faint);margin-bottom:14px}.hz-crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}.hz-crumbs li:not(:last-child):after{content:"›";margin-left:6px;color:var(--hz-border-strong)}.hz-crumbs a:hover{color:var(--hz-gold-700);text-decoration:underline}.hz-sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}@media(prefers-color-scheme:dark){:root{--hz-ink: #e4e7eb;--hz-ink-soft: #9aa5b1;--hz-ink-faint: #7b8794;--hz-bg: #14181c;--hz-surface: #1c2126;--hz-border: #2b3239;--hz-border-strong: #3e4c59;--hz-panel: #1c2126;--hz-gold-100: #33291320;--hz-gold-050: #2a221340}h1,h2,h3,h4,h5{color:var(--hz-ink)}.hz-table thead th{background:#2a2213;color:var(--hz-ink)}.hz-btn--ghost{background:var(--hz-surface)}.hz-btn--onGold{background:#fff;color:#14181c}img.hz-dim{filter:brightness(.9)}}@media print{.hz-header,.hz-footer,.hz-rechner__reset,.hz-skip{display:none!important}body{background:#fff;font-size:12pt}.hz-table-wrap{overflow:visible;break-inside:avoid}}.hz-header[data-astro-cid-ctg3m53h]{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--hz-surface) 88%,transparent);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--hz-border)}.hz-header__inner[data-astro-cid-ctg3m53h]{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:var(--hz-header-h)}.hz-header__logo[data-astro-cid-ctg3m53h] img[data-astro-cid-ctg3m53h]{width:168px;height:auto}.hz-nav[data-astro-cid-ctg3m53h]>ul[data-astro-cid-ctg3m53h]{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}.hz-nav__li[data-astro-cid-ctg3m53h]{position:relative}.hz-nav__link[data-astro-cid-ctg3m53h]{display:flex;align-items:center;gap:5px;padding:9px 13px;border-radius:var(--hz-radius-sm);font-weight:500;font-size:16px;color:var(--hz-ink);transition:background .15s ease,color .15s ease}.hz-nav__link[data-astro-cid-ctg3m53h]:hover{background:var(--hz-gold-100);color:var(--hz-gold-700)}.hz-nav__link[data-astro-cid-ctg3m53h].is-active{background:var(--hz-gold-100);color:var(--hz-gold-700);font-weight:600}.hz-nav__link[data-astro-cid-ctg3m53h].is-highlight{background:var(--hz-gold-600);color:#fff;font-weight:600;margin-left:8px}.hz-nav__link[data-astro-cid-ctg3m53h].is-highlight:hover,.hz-nav__link[data-astro-cid-ctg3m53h].is-highlight.is-active{background:var(--hz-gold-700);color:#fff}.hz-nav__pfeil[data-astro-cid-ctg3m53h]{transition:transform .18s ease;opacity:.7}.hz-sub[data-astro-cid-ctg3m53h]{position:absolute;top:100%;left:0;min-width:288px;background:var(--hz-surface);border:1px solid var(--hz-border);border-top:3px solid var(--hz-gold);border-radius:0 0 var(--hz-radius) var(--hz-radius);box-shadow:var(--hz-shadow-lg);padding:8px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .16s ease,transform .16s ease,visibility .16s}.hz-nav__li[data-astro-cid-ctg3m53h].has-sub:hover .hz-sub[data-astro-cid-ctg3m53h],.hz-nav__li[data-astro-cid-ctg3m53h].has-sub:focus-within .hz-sub[data-astro-cid-ctg3m53h]{opacity:1;visibility:visible;transform:translateY(0)}.hz-nav__li[data-astro-cid-ctg3m53h].has-sub:hover .hz-nav__pfeil[data-astro-cid-ctg3m53h],.hz-nav__li[data-astro-cid-ctg3m53h].has-sub:focus-within .hz-nav__pfeil[data-astro-cid-ctg3m53h]{transform:rotate(180deg)}.hz-nav__li[data-astro-cid-ctg3m53h].has-sub:after{content:"";position:absolute;top:100%;left:0;right:0;height:8px}.hz-sub[data-astro-cid-ctg3m53h] ul[data-astro-cid-ctg3m53h]{list-style:none;margin:0;padding:0}.hz-sub__link[data-astro-cid-ctg3m53h]{display:flex;flex-direction:column;gap:1px;padding:9px 12px;border-radius:var(--hz-radius-sm);transition:background .13s ease}.hz-sub__link[data-astro-cid-ctg3m53h]:hover{background:var(--hz-gold-050)}.hz-sub__link[data-astro-cid-ctg3m53h].is-active{background:var(--hz-gold-100)}.hz-sub__label[data-astro-cid-ctg3m53h]{font-size:15.5px;font-weight:500;color:var(--hz-ink)}.hz-sub__link[data-astro-cid-ctg3m53h]:hover .hz-sub__label[data-astro-cid-ctg3m53h],.hz-sub__link[data-astro-cid-ctg3m53h].is-active .hz-sub__label[data-astro-cid-ctg3m53h]{color:var(--hz-gold-700)}.hz-sub__hinweis[data-astro-cid-ctg3m53h]{font-size:12.5px;color:var(--hz-ink-faint);line-height:1.35}.hz-header__burger[data-astro-cid-ctg3m53h]{display:none;cursor:pointer;padding:10px}.hz-header__burger[data-astro-cid-ctg3m53h] span[data-astro-cid-ctg3m53h]{display:block;width:24px;height:2px;background:var(--hz-ink);border-radius:2px;transition:transform .2s ease,opacity .2s ease}.hz-header__burger[data-astro-cid-ctg3m53h] span[data-astro-cid-ctg3m53h]+span[data-astro-cid-ctg3m53h]{margin-top:5px}@media(max-width:980px){.hz-header__burger[data-astro-cid-ctg3m53h]{display:block}.hz-nav[data-astro-cid-ctg3m53h]{position:absolute;inset:100% 0 auto;background:var(--hz-surface);border-bottom:1px solid var(--hz-border);box-shadow:var(--hz-shadow);display:none;max-height:calc(100vh - var(--hz-header-h));overflow-y:auto}#hz-nav-toggle[data-astro-cid-ctg3m53h]:checked~.hz-nav[data-astro-cid-ctg3m53h]{display:block}#hz-nav-toggle[data-astro-cid-ctg3m53h]:checked~.hz-header__burger[data-astro-cid-ctg3m53h] span[data-astro-cid-ctg3m53h]:nth-child(1){transform:translateY(7px) rotate(45deg)}#hz-nav-toggle[data-astro-cid-ctg3m53h]:checked~.hz-header__burger[data-astro-cid-ctg3m53h] span[data-astro-cid-ctg3m53h]:nth-child(2){opacity:0}#hz-nav-toggle[data-astro-cid-ctg3m53h]:checked~.hz-header__burger[data-astro-cid-ctg3m53h] span[data-astro-cid-ctg3m53h]:nth-child(3){transform:translateY(-7px) rotate(-45deg)}#hz-nav-toggle[data-astro-cid-ctg3m53h]:focus-visible~.hz-header__burger[data-astro-cid-ctg3m53h]{outline:3px solid var(--hz-gold-700);outline-offset:2px}.hz-nav[data-astro-cid-ctg3m53h]>ul[data-astro-cid-ctg3m53h]{flex-direction:column;align-items:stretch;gap:0;padding:8px 16px 20px}.hz-nav__link[data-astro-cid-ctg3m53h]{padding:13px 12px;border-radius:var(--hz-radius-sm)}.hz-nav__link[data-astro-cid-ctg3m53h].is-highlight{margin:10px 0 0;justify-content:center}.hz-nav__pfeil[data-astro-cid-ctg3m53h]{display:none}.hz-sub[data-astro-cid-ctg3m53h]{position:static;opacity:1;visibility:visible;transform:none;min-width:0;box-shadow:none;border:0;border-left:2px solid var(--hz-gold-100);border-radius:0;margin:0 0 6px 14px;padding:2px 0 2px 8px;background:transparent}.hz-nav__li[data-astro-cid-ctg3m53h].has-sub:after{display:none}.hz-sub__link[data-astro-cid-ctg3m53h]{padding:9px 10px}.hz-sub__hinweis[data-astro-cid-ctg3m53h]{display:none}}.hz-footer[data-astro-cid-gcn2mc3v]{background:var(--hz-slate);color:#dfe4e8;margin-top:80px}.hz-footer__grid[data-astro-cid-gcn2mc3v]{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:40px;padding-top:56px;padding-bottom:44px}.hz-footer__brand[data-astro-cid-gcn2mc3v] img[data-astro-cid-gcn2mc3v]{width:190px;margin-bottom:16px;background:#fff;padding:10px 14px;border-radius:var(--hz-radius-sm)}.hz-footer__brand[data-astro-cid-gcn2mc3v] p[data-astro-cid-gcn2mc3v]{font-size:15px;line-height:1.65;color:#b9c2c9;margin:0;max-width:42ch}.hz-footer__col[data-astro-cid-gcn2mc3v] h2[data-astro-cid-gcn2mc3v]{font-size:15px;font-weight:600;color:var(--hz-gold);margin:0 0 14px;letter-spacing:.04em;text-transform:uppercase}.hz-footer__col[data-astro-cid-gcn2mc3v] ul[data-astro-cid-gcn2mc3v]{list-style:none;margin:0;padding:0}.hz-footer__col[data-astro-cid-gcn2mc3v] li[data-astro-cid-gcn2mc3v]{margin-bottom:9px}.hz-footer__col[data-astro-cid-gcn2mc3v] a[data-astro-cid-gcn2mc3v]{font-size:15px;color:#cfd6dc;transition:color .15s ease}.hz-footer__col[data-astro-cid-gcn2mc3v] a[data-astro-cid-gcn2mc3v]:hover{color:var(--hz-gold);text-decoration:underline;text-underline-offset:3px}.hz-footer__bar[data-astro-cid-gcn2mc3v]{border-top:1px solid rgba(255,255,255,.12)}.hz-footer__bar-inner[data-astro-cid-gcn2mc3v]{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;padding-top:18px;padding-bottom:18px}.hz-footer__bar[data-astro-cid-gcn2mc3v] p[data-astro-cid-gcn2mc3v]{margin:0;font-size:14px;color:#9aa5ad}@media(max-width:900px){.hz-footer__grid[data-astro-cid-gcn2mc3v]{grid-template-columns:1fr 1fr;gap:32px}.hz-footer__brand[data-astro-cid-gcn2mc3v]{grid-column:1 / -1}}@media(max-width:560px){.hz-footer__grid[data-astro-cid-gcn2mc3v]{grid-template-columns:1fr}}