/* SF Startseite v1. Stand 19.10.2026. Farben und Schriften aus sf-tokens.css */
.sfh{background:var(--sf-bg);padding-bottom:40px}
.sfh a{color:inherit}
.sfh-hero{padding:22px 0 24px}
.sfh-h1{font-family:var(--sf-font-serif);font-weight:900;font-size:26px;line-height:1.22;margin:0 0 12px;color:#fff;letter-spacing:-.2px}
.sfh-h1__kw{display:block;font-family:var(--sf-font-sans);font-weight:600;font-size:14px;letter-spacing:.2px;color:var(--sf-brand-soft);margin-bottom:10px}
.sfh-sub{font-size:16px;line-height:1.55;color:#d6e2f2;margin:0 0 14px;max-width:560px}
.sfh-know{display:inline-block;color:#fff !important;font-weight:600;font-size:15px;text-decoration:underline;text-decoration-color:rgba(255,255,255,.35);text-underline-offset:3px;margin:0 0 18px}
.sfh-chips-l{font-size:13px;font-weight:600;color:#b9c9df;margin:0 0 8px}
.sfh-chips{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin:0 0 12px;padding:0;list-style:none}
.sfh-chip{display:flex;align-items:center;gap:9px;background:var(--sf-brand-strong);color:#fff !important;text-decoration:none;font-weight:700;font-size:15px;padding:10px 12px;border-radius:var(--sf-radius-s);min-height:48px;border:1px solid rgba(255,255,255,.12);transition:background .15s,transform .15s}
.sfh-chip:hover,.sfh-chip:focus-visible{background:var(--sf-brand);transform:translateY(-1px)}
.sfh-chip .sfh-ic{width:20px;height:20px;flex:0 0 20px;color:var(--sf-sky);background:none;border-radius:0;display:inline-flex}
.sfh-chip .sfh-ic svg{width:20px;height:20px}
.sfh-chip__t{flex:1;min-width:0}
.sfh-chip .sfh-go{color:var(--sf-sky)}
.sfh-go{color:var(--sf-brand-strong);font-weight:700}
.sfh-quizbox{background:#fff;border-bottom:1px solid var(--sf-line);padding:24px 0}
.sfh-sec{padding:36px 0 0}
.sfh-sec--guide{padding-top:22px}
.sfh-brand{font-family:var(--sf-font-serif);font-weight:700;font-size:clamp(23px,3.2vw,30px);line-height:1.25;color:var(--sf-navy);margin:0 0 8px}
.sfh-brand::before{content:"";display:block;width:32px;height:3px;border-radius:2px;background:var(--sf-green);margin:0 0 12px}
.sfh-h2s{font-family:var(--sf-font-serif);font-weight:900;font-size:22px;line-height:1.3;color:var(--sf-navy);margin:0 0 10px}
.sfh-lead{color:var(--sf-muted);margin:0 0 18px;font-size:15px}
.sfh-guide{padding:22px 18px}
.sfh-tag{display:inline-block;font-size:12px;font-weight:700;color:var(--sf-green-text);background:#e7f8f1;border-radius:20px;padding:3px 10px;margin-bottom:10px}
.sfh-checks{margin:0 0 16px;padding:0;list-style:none;font-size:15px}
.sfh-checks li{padding-left:24px;position:relative;margin:4px 0}
.sfh-checks li::before{content:"✓";position:absolute;left:0;color:var(--sf-green-text);font-weight:700}
.sfh-form{display:grid;gap:10px}
.sfh-form input{font:inherit;padding:13px 14px;border:1px solid #cfd8e4;border-radius:var(--sf-radius-s);background:#fff;min-height:50px;width:100%}
.sfh-form .sf-btn{width:100%;border:0;cursor:pointer}
.sfh-form__msg{margin:0;font-size:14px;font-weight:600}
.sfh-form__msg.is-ok{color:var(--sf-green-text)}.sfh-form__msg.is-err{color:#b42318}
.sfh-fine{font-size:12.5px;color:var(--sf-faint);margin:10px 0 0}
.sfh-ic{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:10px;background:var(--sf-sky-soft);color:var(--sf-brand-strong);flex:none}
.sfh-ic svg{width:22px;height:22px}
.sfh-cmp,.sfh-calc,.sfh-paths{margin:0;padding:0;list-style:none}
.sfh-cmp{display:grid;gap:10px}
.sfh-cmp a{display:flex;align-items:center;gap:14px;background:#fff;border:1px solid var(--sf-line);border-radius:var(--sf-radius-m);padding:14px 16px;text-decoration:none}
.sfh-cmp strong{display:block;color:var(--sf-navy);font-size:16px}
.sfh-cmp small{display:block;color:var(--sf-muted);font-size:13.5px;line-height:1.4}
.sfh-cmp .sfh-go{margin-left:auto}
.sfh-more{display:inline-block;margin-top:14px;font-weight:700;color:var(--sf-brand-strong) !important;text-decoration:none}
.sfh-disclose{font-size:13px;color:var(--sf-muted);background:var(--sf-sky-soft);border-radius:var(--sf-radius-s);padding:10px 12px;margin:14px 0 0}
.sfh-calc{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.sfh-calc a{display:block;background:#fff;border-radius:var(--sf-radius-m);box-shadow:var(--sf-shadow-card);padding:14px;text-decoration:none;min-height:118px}
.sfh-calc strong{display:block;color:var(--sf-navy);font-size:15px;line-height:1.3;margin:8px 0 4px}
.sfh-calc small{display:block;color:var(--sf-muted);font-size:13px;line-height:1.35}
.sfh-eric{padding:22px 18px}
.sfh-eric__head{display:flex;gap:14px;align-items:center;margin:8px 0 12px}
.sfh-avatar{width:64px;height:64px;border-radius:50%;object-fit:cover;flex:none}
.sfh-eric__head strong{display:block;color:var(--sf-navy)}
.sfh-eric__head small{color:var(--sf-muted);font-size:13px}
.sfh-eric p{font-size:15px}
.sfh-issue{border:1px solid var(--sf-line);border-radius:var(--sf-radius-m);padding:14px;margin:0 0 14px;background:var(--sf-bg)}
.sfh-issue__k{font-size:12px;font-weight:700;color:var(--sf-faint);text-transform:uppercase;letter-spacing:.6px}
.sfh-issue ul{list-style:none;margin:6px 0 0;padding:0}
.sfh-issue a{font-weight:700;color:var(--sf-navy);text-decoration:none}
.sfh-wide{width:100%}
.sfh-paths{display:grid;gap:10px;margin-bottom:12px}
.sfh-paths a{display:flex;justify-content:space-between;align-items:center;background:#fff;border:1px solid var(--sf-line);border-radius:var(--sf-radius-m);padding:15px 16px;text-decoration:none;font-weight:700;color:var(--sf-navy)}
.sfh-quizline a{font-weight:600;color:var(--sf-brand-strong)}
.sfh-courses{display:grid;gap:12px}
.sfh-course{background:#fff;border-radius:var(--sf-radius-m);border:1px solid var(--sf-line);padding:16px}
.sfh-course--open{border-color:var(--sf-green);box-shadow:var(--sf-shadow-card)}
.sfh-st{display:inline-block;font-size:12px;font-weight:700;border-radius:20px;padding:3px 10px;margin-bottom:8px}
.sfh-st--open{background:#e7f8f1;color:var(--sf-green-text)}.sfh-st--wait{background:var(--sf-sky);color:var(--sf-navy)}
.sfh-course strong{display:block;color:var(--sf-navy);font-size:16px;margin-bottom:4px}
.sfh-course p{margin:0 0 10px;font-size:14.5px;color:var(--sf-muted)}
.sfh-course a{font-weight:700;color:var(--sf-brand-strong);text-decoration:none}
@media (min-width:900px){
  .sfh-hero{padding:56px 0 60px}
  .sfh-hero__in{display:grid;grid-template-columns:1.35fr .65fr;gap:48px;align-items:center}
  .sfh-h1{font-size:42px}.sfh-h1__kw{font-size:15px}
  .sfh-sub{font-size:18px}
  .sfh-chips{grid-template-columns:repeat(4,1fr)}
  .sfh-sec{padding-top:56px}
  .sfh-guide{display:grid;grid-template-columns:1.1fr 1fr;gap:36px;padding:34px;align-items:center}
  .sfh-h2s{font-size:28px}
  .sfh-form{grid-template-columns:1fr 1fr}
  .sfh-form .sf-btn,.sfh-form__msg{grid-column:1/-1}
  .sfh-cmp{grid-template-columns:repeat(3,1fr)}
  .sfh-calc{grid-template-columns:repeat(4,1fr)}
  .sfh-eric{display:grid;grid-template-columns:1fr 1fr;gap:36px;padding:34px}
  .sfh-bottom{display:grid;grid-template-columns:1fr 1fr;gap:36px}
}
/* Desktop: vier Vergleichs-Buttons in einer Zeile, Text bricht nicht um (19.10.2026) */
@media (min-width:900px){.sfh-chip{font-size:14px;gap:8px;padding:10px 12px}.sfh-chip__t{white-space:nowrap}.sfh-chip .sfh-go{display:none}}
/* Buttons behalten ihre Schriftfarbe (.sfh a erbt sonst die Textfarbe) */
.sfh a.sf-btn,.sfh a.sf-btn:hover{color:#fff}
/* Vergleichsübersicht (20.10.2026) */
.sfv{padding-bottom:48px}
.sfv-sec{scroll-margin-top:80px}
.sfv-h2{margin-bottom:14px}
.sfh-cmp a:hover,.sfh-cmp a:focus-visible{border-color:var(--sf-brand)}
.sfv-more__in{display:grid;gap:10px;margin-bottom:16px}
.sfv-more__in a{display:flex;align-items:center;gap:14px;background:var(--sf-sky-soft);border:1px solid var(--sf-sky);border-radius:var(--sf-radius-m);padding:14px 16px;text-decoration:none}
.sfv-more__in strong{display:block;color:var(--sf-navy);font-size:16px}
.sfv-more__in small{display:block;color:var(--sf-muted);font-size:13.5px}
.sfv-more__in .sfh-go{margin-left:auto}
@media (min-width:900px){.sfv-more__in{grid-template-columns:1fr 1fr}}
/* Hero 20.10.2026: Foto aus /about, Vertrauenszeile unter dem Foto, Quiz-Box deutlicher und mit Abstand zu den Buttons */
.sfh-quiz{display:flex;align-items:center;gap:12px;margin:26px 0 0;padding:14px 14px 14px 16px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.22);border-radius:var(--sf-radius-m);color:#fff !important;text-decoration:none;transition:background .15s,border-color .15s}
.sfh-quiz:hover,.sfh-quiz:focus-visible{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.4)}
.sfh-quiz__ic{flex:0 0 40px;width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:rgba(52,211,153,.16);color:var(--sf-green)}
.sfh-quiz__ic svg{width:22px;height:22px}
.sfh-quiz__t{flex:1;min-width:0}
.sfh-quiz__t strong{display:block;font-size:16px;line-height:1.3}
.sfh-quiz__t small{display:block;font-size:13px;line-height:1.4;color:#b9c9df;margin-top:2px}
.sfh-quiz__btn{flex:none;background:var(--sf-green);color:var(--sf-navy);font-weight:700;font-size:14px;padding:9px 14px;border-radius:999px;white-space:nowrap}
.sfh-hero__person{margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,.14)}
.sfh-hero__photo{display:none}
.sfh-hero__who{display:flex;align-items:center;gap:12px}
.sfh-hero__avatar{width:48px;height:48px;border-radius:50%;object-fit:cover;border:2px solid rgba(255,255,255,.35);flex:none}
.sfh-trust{margin:0;font-size:13px;line-height:1.45;color:#b9c9df}
.sfh-trust strong{display:block;color:#fff;font-size:14px}
@media (max-width:599px){.sfh-quiz{flex-wrap:wrap}.sfh-quiz__t{flex:1 1 calc(100% - 52px)}.sfh-quiz__btn{flex:1 1 100%;text-align:center;padding:11px 14px}}
@media (max-width:420px){.sfh-chip .sfh-go{display:none}.sfh-chip{gap:8px;padding:10px 11px}.sfh-chip__t{white-space:nowrap}}
@media (min-width:900px){
  .sfh-quiz{max-width:560px}
  .sfh-hero__person{margin:0;padding:0;border:0;align-self:center}
  .sfh-hero__photo{display:block;position:relative;border-radius:20px;overflow:hidden;box-shadow:0 24px 48px rgba(0,0,0,.35);outline:1px solid rgba(255,255,255,.14);outline-offset:6px;aspect-ratio:4/5;max-width:400px;margin:0 auto}
  .sfh-hero__photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:50% 22%}
  .sfh-hero__who{justify-content:center;margin-top:18px;text-align:left;max-width:400px;margin-left:auto;margin-right:auto}
  .sfh-hero__avatar{display:none}
}
/* Vergleichsübersicht: dunkler Kopf wie /deals, grüne Akzente, keine Amatic (20.10.2026) */
.sfv-hero{padding:40px 0 72px}
.sfv-kicker{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--sf-green);margin:0 0 10px}
.sfv-h1{font-family:var(--sf-font-serif);font-weight:700;color:#fff;font-size:clamp(28px,5vw,44px);line-height:1.2;margin:0 0 14px;max-width:760px}
.sfv-lede{color:#d6e4f5;font-size:16px;line-height:1.7;margin:0 0 18px;max-width:640px}
.sfv-facts{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px 22px}
.sfv-facts li{position:relative;padding-left:22px;font-size:14px;font-weight:600;color:#fff}
.sfv-facts li::before{content:"";position:absolute;left:0;top:.45em;width:12px;height:7px;border-left:2px solid var(--sf-green);border-bottom:2px solid var(--sf-green);transform:rotate(-45deg)}
.sfv-jump{position:relative;margin:-36px 0 0;background:#fff;border-radius:var(--sf-radius-l);box-shadow:var(--sf-shadow-card);padding:12px;display:flex;flex-wrap:wrap;align-items:center;gap:8px}
.sfv-jump__l{font-size:13px;font-weight:600;color:var(--sf-muted);padding:0 6px}
.sfv-jump a{display:inline-flex;align-items:center;min-height:40px;padding:8px 14px;border-radius:999px;background:var(--sf-sky-soft);border:1px solid var(--sf-line);color:var(--sf-navy) !important;font-weight:600;font-size:14px;text-decoration:none}
.sfv-jump a:hover,.sfv-jump a:focus-visible{background:var(--sf-navy);border-color:var(--sf-navy);color:#fff !important}
.sfv .sfh-cmp a{transition:border-color .15s,box-shadow .15s,transform .15s}
.sfv .sfh-cmp a:hover,.sfv .sfh-cmp a:focus-visible{border-color:var(--sf-green);box-shadow:0 6px 18px rgba(15,36,64,.08);transform:translateY(-1px)}
.sfv .sfh-cmp a:hover .sfh-go{color:var(--sf-green-text)}
@media (max-width:599px){.sfv-jump__l{width:100%}}
@media (min-width:900px){.sfv-hero{padding:64px 0 96px}}
/* Schmale Bildschirme: Karten dürfen nicht über den Rand (20.10.2026) */
.sfh-cmp,.sfh-paths,.sfv-more__in{grid-template-columns:minmax(0,1fr)}
.sfh-calc{grid-template-columns:repeat(2,minmax(0,1fr))}
.sfh-calc li{min-width:0}
.sfh-calc strong{overflow-wrap:break-word;hyphens:auto;-webkit-hyphens:auto}
.sfh-cmp li,.sfh-cmp a>span,.sfv-more__in a>span{min-width:0}
.sfh-cmp strong,.sfh-cmp small,.sfv-more__in strong,.sfv-more__in small{overflow-wrap:break-word;hyphens:auto;-webkit-hyphens:auto}
@media (min-width:600px){.sfh-cmp{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (min-width:900px){.sfh-cmp{grid-template-columns:repeat(3,minmax(0,1fr))}.sfh-calc{grid-template-columns:repeat(4,minmax(0,1fr))}.sfv-more__in{grid-template-columns:repeat(2,minmax(0,1fr))}}
.sfh-chips{grid-template-columns:repeat(2,minmax(0,1fr))}
.sfh-chip{min-width:0}
@media (max-width:340px){.sfh-chip__t{white-space:normal;overflow-wrap:anywhere;hyphens:auto;-webkit-hyphens:auto}.sfh-chip{font-size:14px}}
@media (min-width:900px){.sfh-chips{grid-template-columns:repeat(4,minmax(0,1fr))}}

/* Finanzweg-Einstieg im Hero (20.10.2026): reines HTML/CSS, kein Skript. Kacheln sind Links auf /finanzweg/?beruf=… */
.sfh-fw{position:relative;margin:26px 0 0;padding:16px;max-width:560px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.22);border-radius:var(--sf-radius-m)}
.sfh-fw__mtn{position:absolute;right:12px;top:10px;width:84px;height:40px;opacity:.95}
.sfh-fw__path{stroke-dasharray:90;stroke-dashoffset:90;animation:sfh-fw-draw 1.6s .4s ease-out forwards}
@keyframes sfh-fw-draw{to{stroke-dashoffset:0}}
.sfh-fw__q{margin:0 96px 2px 0;font-family:var(--sf-font-serif);font-weight:700;font-size:17px;line-height:1.3;color:#fff}
.sfh-fw__lead{margin:0 0 10px;font-size:13px;font-weight:600;color:#b9c9df}
.sfh-fw__tiles{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:8px}
.sfh-fw__tiles a{display:flex;align-items:center;gap:9px;min-height:48px;padding:9px 11px;border-radius:var(--sf-radius-s);background:#fff;color:var(--sf-navy) !important;text-decoration:none;font-weight:700;font-size:14px;line-height:1.25;box-shadow:inset 0 -2px 0 #c9d5e4;transition:transform .15s,background .15s}
.sfh-fw__tiles a:hover,.sfh-fw__tiles a:focus-visible{background:var(--sf-sky-soft);transform:translateY(-1px)}
.sfh-fw__tiles .sfh-ic{flex:0 0 20px;width:20px;height:20px;color:var(--sf-brand-strong);display:inline-flex;background:none;border-radius:0;padding:0}
.sfh-fw__tiles .sfh-ic svg{width:20px;height:20px}
.sfh-fw__fine{margin:10px 0 0;font-size:12.5px;line-height:1.45;color:#b9c9df}
@media (min-width:600px){.sfh-fw__tiles{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:340px){.sfh-fw__tiles{grid-template-columns:1fr}.sfh-fw__q{margin-right:0;padding-right:70px}}
@media (prefers-reduced-motion:reduce){.sfh-fw__path{animation:none;stroke-dashoffset:0}.sfh-fw__tiles a{transition:none}}

/* Hero v2 und ETF-Startplan v2 (20.10.2026): weniger Kästen, eine Hauptaktion pro Weg */
.sfh-vgl{list-style:none;margin:0 0 4px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:2px 10px;max-width:560px}
.sfh-vgl a{display:flex;align-items:center;gap:9px;min-height:44px;padding:8px 6px;margin:0 -6px;border-radius:var(--sf-radius-s);color:#fff !important;text-decoration:none;font-weight:700;font-size:15px;line-height:1.25;transition:background .15s}
.sfh-vgl a:hover,.sfh-vgl a:focus-visible{background:rgba(255,255,255,.08)}
.sfh-vgl .sfh-ic{flex:0 0 20px;width:20px;height:20px;color:var(--sf-green);background:none;border-radius:0;display:inline-flex;padding:0}
.sfh-vgl .sfh-ic svg{width:20px;height:20px}
.sfh-vgl__v{font-weight:400;color:#b9c9df}
.sfh-vgl__go{margin-left:auto;color:#b9c9df;transition:transform .15s}
.sfh-vgl a:hover .sfh-vgl__go{transform:translateX(3px);color:#fff}
.sfh-fwc{margin:22px 0 0;padding:18px 0 0;border-top:1px solid rgba(255,255,255,.14);max-width:560px}
.sfh-fwc__k{margin:0 0 4px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--sf-green)}
.sfh-fwc__q{margin:0 0 4px;font-family:var(--sf-font-serif);font-weight:700;font-size:19px;line-height:1.3;color:#fff}
.sfh-fwc__f{margin:0 0 14px;font-size:14px;color:#b9c9df}
.sfh-fwc__btn{display:inline-flex;align-items:center;gap:8px;min-height:50px;padding:0 22px;border-radius:var(--sf-radius-s);background:var(--sf-green);color:var(--sf-navy) !important;font-weight:700;font-size:15px;text-decoration:none;box-shadow:inset 0 -2px 0 #1fae7a;transition:background .15s,transform .15s}
.sfh-fwc__btn:hover,.sfh-fwc__btn:focus-visible{background:#4fe0ab;transform:translateY(-1px)}
.sfh-guide2{background:#eef3fb;padding:36px 0;margin-top:0}
.sfh-guide2__in{display:grid;gap:22px;align-items:center}
.sfh-guide2__img{display:block;max-width:300px;margin:0 auto}
.sfh-guide2__img img{display:block;width:100%;height:auto;border-radius:18px;mix-blend-mode:multiply}
@media (min-width:600px){.sfh-vgl{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (min-width:900px){
  .sfh-vgl{grid-template-columns:repeat(4,max-content);gap:4px 22px;max-width:none}
  .sfh-vgl__go{margin-left:4px}
  .sfh-guide2{padding:56px 0}
  .sfh-guide2__in{grid-template-columns:420px 1fr;gap:56px}
  .sfh-guide2__img{max-width:none}
  .sfh-guide2 .sfh-form{grid-template-columns:1fr 1fr}
  .sfh-guide2 .sfh-form .sf-btn,.sfh-guide2 .sfh-form__msg{grid-column:1/-1}
}
@media (max-width:380px){.sfh-vgl{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){.sfh-vgl a,.sfh-vgl__go,.sfh-fwc__btn{transition:none}}

/* Korrektur 20.10.2026: Vergleiche wieder klar als Aktion (helle Umrisskarten), Foto wieder gross, Umbruch im Claim */
.sfh-hero__text{min-width:0}
.sfh-vgl{grid-template-columns:1fr 1fr;gap:8px;max-width:600px;margin:0 0 4px}
.sfh-vgl a{margin:0;padding:11px 12px;min-height:52px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.2);transition:background .15s,border-color .15s}
.sfh-vgl a:hover,.sfh-vgl a:focus-visible{background:rgba(255,255,255,.13);border-color:rgba(255,255,255,.4)}
.sfh-vgl__go{color:#fff;opacity:.75}
@media (min-width:900px){
  .sfh-vgl{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;max-width:600px}
  .sfh-vgl__go{margin-left:auto}
  .sfh-h1__l2{display:block}
}
@media (max-width:380px){.sfh-vgl{grid-template-columns:1fr}}

/* Foto-Varianten (20.10.2026). Nur Desktop, mobil bleibt der kleine Avatar */
@media (min-width:900px){
  .sfh-photo--frei .sfh-hero__photo,.sfh-photo--glow .sfh-hero__photo{border-radius:0;overflow:visible;box-shadow:none;outline:0;aspect-ratio:auto;max-width:440px;position:relative}
  .sfh-photo--frei .sfh-hero__photo img,.sfh-photo--glow .sfh-hero__photo img{position:relative;z-index:1;width:100%;height:auto;object-fit:contain;-webkit-mask-image:linear-gradient(to bottom,#000 78%,transparent 100%);mask-image:linear-gradient(to bottom,#000 78%,transparent 100%)}
  .sfh-photo--glow .sfh-hero__photo::before{content:"";position:absolute;inset:4% -8% 18%;z-index:0;border-radius:50%;background:radial-gradient(closest-side,rgba(105,147,225,.38),rgba(105,147,225,.12) 55%,transparent 100%);filter:blur(6px)}
  .sfh-photo--rahmen .sfh-hero__photo{background:radial-gradient(120% 90% at 50% 35%,#2b5797 0%,#1a3557 55%,#12284a 100%)}
  .sfh-photo--rahmen .sfh-hero__photo img{object-fit:cover;object-position:50% 12%}
  .sfh-photo--frei .sfh-hero__who,.sfh-photo--glow .sfh-hero__who{margin-top:-6px;position:relative;z-index:2}
}
/* Unterer Teil v2 (20.10.2026): weniger Kästen, ein Rechner-Highlight, Wealth-Letter als Navy-Band, Kurse mit Box-Mockups */
.sfh-lines{list-style:none;margin:0;padding:0;border-top:1px solid var(--sf-line)}
.sfh-lines li{border-bottom:1px solid var(--sf-line)}
.sfh-lines a{display:flex;align-items:center;gap:14px;padding:14px 2px;text-decoration:none;min-height:52px}
.sfh-lines a>span{flex:1;min-width:0}
.sfh-lines strong{display:block;color:var(--sf-navy);font-size:16px;line-height:1.3}
.sfh-lines small{display:block;color:var(--sf-muted);font-size:13.5px;line-height:1.4;margin-top:2px}
.sfh-lines a:hover strong,.sfh-lines a:focus-visible strong{color:var(--sf-brand-strong)}
.sfh-lines a:hover .sfh-go{transform:translateX(3px)}
.sfh-lines .sfh-go{transition:transform .15s}
.sfh-calc2__in{display:grid;gap:22px}
.sfh-calc2__hl{display:block;background:var(--sf-sky-soft);border-radius:var(--sf-radius-l);padding:20px 20px 22px;text-decoration:none;color:var(--sf-text) !important;transition:box-shadow .15s,transform .15s}
.sfh-calc2__hl:hover,.sfh-calc2__hl:focus-visible{box-shadow:0 10px 24px rgba(15,36,64,.1);transform:translateY(-2px)}
.sfh-calc2__viz{display:block;width:100%;max-width:240px;height:auto;color:var(--sf-brand);margin:0 0 14px}
.sfh-calc2__k{display:block;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--sf-brand-strong);margin:0 0 6px}
.sfh-calc2__hl strong{display:block;font-family:var(--sf-font-serif);font-weight:700;font-size:22px;line-height:1.25;color:var(--sf-navy);margin:0 0 8px}
.sfh-calc2__p{display:block;font-size:15px;line-height:1.55;color:var(--sf-muted);margin:0 0 14px}
.sfh-calc2__btn{display:inline-block;background:var(--sf-brand-strong);color:#fff;font-weight:700;font-size:15px;padding:11px 18px;border-radius:var(--sf-radius-s)}
.sfh-wl2{background:var(--sf-navy);color:#fff;margin-top:44px;padding:40px 0 44px}
.sfh-wl2__in{display:grid;gap:26px}
.sfh-wl2__k{display:block;font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--sf-green);margin:0 0 8px}
.sfh-wl2__h{font-family:var(--sf-font-serif);font-weight:700;font-size:clamp(26px,3.6vw,34px);line-height:1.2;color:#fff;margin:0 0 12px}
.sfh-wl2__p{font-size:16px;line-height:1.6;color:#d6e2f2;margin:0 0 12px;max-width:520px}
.sfh-wl2__proof{font-size:14px;font-weight:600;color:#fff;margin:0 0 20px;padding-left:22px;position:relative}
.sfh-wl2__proof::before{content:"";position:absolute;left:0;top:.4em;width:12px;height:7px;border-left:2px solid var(--sf-green);border-bottom:2px solid var(--sf-green);transform:rotate(-45deg)}
.sfh .sfh-wl2__btn{background:var(--sf-green);color:var(--sf-navy) !important}
.sfh .sfh-wl2__btn:hover{filter:brightness(1.06);color:var(--sf-navy) !important}
.sfh-wl2__issues{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--sf-radius-l);padding:18px 20px 8px}
.sfh-wl2__ik{display:block;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#b9c9df;margin:0 0 6px}
.sfh-wl2__issues ul{list-style:none;margin:0;padding:0}
.sfh-wl2__issues li{display:flex;flex-direction:column;gap:2px;padding:12px 0;border-top:1px solid rgba(255,255,255,.12)}
.sfh-wl2__issues li:first-child{border-top:0}
.sfh-wl2__issues time{font-size:12.5px;color:#9fb3cf}
.sfh-wl2__issues a{color:#fff !important;font-family:var(--sf-font-serif);font-weight:700;font-size:17px;line-height:1.35;text-decoration:none}
.sfh-wl2__issues a:hover{text-decoration:underline;text-decoration-color:var(--sf-green);text-underline-offset:3px}
.sfh-wl2__issues .convertkit-broadcasts-pagination,.sfh-wl2__issues .convertkit-broadcast-read-more{display:none}
.sfh-bottom2{display:grid;gap:40px}
.sfh-kurse{display:grid;gap:22px}
.sfh-kurs{display:grid;grid-template-columns:108px minmax(0,1fr);gap:16px;align-items:center}
.sfh-kurs--ff{grid-template-columns:128px minmax(0,1fr)}
.sfh-kurs img{display:block;width:100%;height:auto;filter:drop-shadow(0 14px 16px rgba(15,36,64,.22)) drop-shadow(0 3px 4px rgba(15,36,64,.12))}
.sfh-kurs strong{display:block;color:var(--sf-navy);font-size:17px;margin-bottom:4px}
.sfh-kurs p{margin:0 0 8px;font-size:14.5px;line-height:1.5;color:var(--sf-muted)}
.sfh-kurs a{font-weight:700;color:var(--sf-brand-strong);text-decoration:none}
.sfh-kurs a:hover{text-decoration:underline}
@media (min-width:900px){
  .sfh-calc2__in{grid-template-columns:1.05fr 1fr;gap:48px;align-items:center}
  .sfh-calc2__hl{padding:28px 30px 30px}
  .sfh-calc2__hl strong{font-size:26px}
  .sfh-wl2{margin-top:64px;padding:60px 0 64px}
  .sfh-wl2__in{grid-template-columns:1fr 1fr;gap:56px;align-items:center}
  .sfh-bottom2{grid-template-columns:1fr 1.1fr;gap:56px;padding-top:64px}
  .sfh-kurs{grid-template-columns:130px minmax(0,1fr);gap:22px}
  .sfh-kurs--ff{grid-template-columns:170px minmax(0,1fr)}
}
.sfh .sfh-lines a>span{flex:1 1 auto}
.sfh .sfh-lines .sfh-go{margin-left:auto}
.sfh-bottom2 .sfh-quizline{margin:16px 0 0}
/* Kurse: Text bündig, Autopilot-Box etwas kleiner als FinanzFahrplan */
.sfh-kurs,.sfh-kurs--ff{grid-template-columns:128px minmax(0,1fr)}
.sfh-kurs:not(.sfh-kurs--ff) img{width:82%;margin:0 auto}
@media (min-width:900px){.sfh-kurs,.sfh-kurs--ff{grid-template-columns:170px minmax(0,1fr)}}
.sfh .sfh-lines a>span:not(.sfh-go){flex:1 1 0}
.sfh .sfh-lines .sfh-go{flex:0 0 auto;width:auto}
/* Beide Kursboxen gleich gross (Eric 20.10.2026: Grössenunterschied wirkt wie Fehler) */
.sfh-kurs:not(.sfh-kurs--ff) img{width:100%;margin:0}
/* Rechner-Bereich ruhig (20.10.2026): kein Pastellblau, keine Deko-Grafik, Navy mit grünem Akzent, echter Ergebnis-Ausschnitt */
.sfh-calc2__hl,.sfh-calc2__hl:hover{background:none;padding:0;border-radius:0;box-shadow:none;transform:none}
.sfh-calc2__k{color:var(--sf-green-text)}
.sfh-calc2__q{font-family:var(--sf-font-serif);font-weight:700;font-size:24px;line-height:1.22;color:var(--sf-navy);margin:0 0 8px}
.sfh-calc2__p{display:block;margin:0 0 16px;max-width:460px}
.sfh-calc2__cap{font-size:12.5px;color:var(--sf-faint);margin:0 0 8px}
.sfh-calc2__res{display:block;background:var(--sf-navy);border-radius:var(--sf-radius-m);padding:16px 18px 16px;margin:0 0 18px;max-width:440px;text-align:center}
.sfh-calc2__rk{display:block;font-size:11.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#9fc1ea;margin:0 0 2px}
.sfh-calc2__rv{display:block;font-family:var(--sf-font-serif);font-weight:900;font-size:34px;line-height:1.15;color:#fff;margin:0 0 4px}
.sfh-calc2__rs{display:block;font-size:14px;line-height:1.45;color:#d6e2f2}
.sfh-calc2__rs b{color:var(--sf-green);font-weight:700}
.sfh .sfh-calc2__btn{background:var(--sf-navy);color:#fff !important}
.sfh .sfh-calc2__btn:hover{background:var(--sf-navy-deep, #0b1b33)}
/* Kurse: näher zusammen, Boxen heben sich klarer ab */
.sfh-kurse{gap:10px}
.sfh-kurs img{filter:drop-shadow(0 18px 18px rgba(15,36,64,.30)) drop-shadow(0 4px 5px rgba(15,36,64,.18))}
@media (min-width:900px){.sfh-calc2__q{font-size:30px}.sfh-calc2__rv{font-size:40px}.sfh-calc2__in{align-items:start}.sfh-calc2__list{padding-top:6px}}
/* Finanzwissen ohne Pfeile (zeigten optisch auf die Kursboxen), Hover mit Unterstrich */
.sfh-bottom2 .sfh-lines .sfh-go{display:none}
.sfh-bottom2 .sfh-lines a:hover strong,.sfh-bottom2 .sfh-lines a:focus-visible strong{color:var(--sf-navy);text-decoration:underline;text-decoration-color:var(--sf-green);text-decoration-thickness:2px;text-underline-offset:4px}
/* Rechner v4 (20.10.2026, nach GPT): vier gleichwertige Rechner mit Icon, Name und Frage, feine Linien, keine Karten */
.sfh-calc4__list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:minmax(0,1fr);border-top:1px solid var(--sf-line)}
.sfh-calc4__list li{border-bottom:1px solid var(--sf-line);min-width:0}
.sfh-calc4__list a{display:flex;align-items:flex-start;gap:14px;padding:16px 2px;text-decoration:none}
.sfh-calc4__list .sfh-ic{width:26px;height:26px;flex:0 0 26px;background:none;border-radius:0;color:var(--sf-green-text);margin-top:1px}
.sfh-calc4__list .sfh-ic svg{width:26px;height:26px}
.sfh-calc4__list a>span{flex:1 1 0;min-width:0}
.sfh-calc4__list strong{display:block;color:var(--sf-navy);font-size:16.5px;line-height:1.3}
.sfh-calc4__list small{display:block;color:var(--sf-muted);font-size:14.5px;line-height:1.45;margin-top:3px}
.sfh-calc4__list a:hover strong,.sfh-calc4__list a:focus-visible strong{text-decoration:underline;text-decoration-color:var(--sf-green);text-decoration-thickness:2px;text-underline-offset:4px}
@media (min-width:900px){.sfh-calc4__list{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:56px}.sfh-calc4__list a{padding:20px 2px}}
/* Vertrauenszeile: Link auf den Wealth-Letter, dezent */
.sfh-trust a{color:#fff !important;text-decoration:underline;text-decoration-color:rgba(52,211,153,.6);text-underline-offset:3px}
.sfh-trust a:hover{text-decoration-color:var(--sf-green)}
.sfh-wl2__topic{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--sf-green)}
/* Rechner v4.1: redaktioneller, Namen in der Serifenschrift, mehr Luft (20.10.2026) */
.sfh-calc4__list strong{font-family:var(--sf-font-serif);font-weight:700;font-size:19px;letter-spacing:-.1px}
.sfh-calc4__list small{font-size:15px;margin-top:4px}
.sfh-calc4__list .sfh-ic{width:30px;height:30px;flex-basis:30px;margin-top:0}
.sfh-calc4__list .sfh-ic svg{width:30px;height:30px}
@media (min-width:900px){.sfh-calc4__list a{padding:24px 2px}.sfh-calc4__list strong{font-size:21px}}
/* Kurse mobil: schmalere Box, damit der Text nicht gequetscht wird */
@media (max-width:599px){.sfh-kurs,.sfh-kurs--ff{grid-template-columns:92px minmax(0,1fr);gap:14px}.sfh-kurs p{font-size:14px}}
/* Fix 22.10.2026: Vergleichs-Kacheln im Hero gleich hoch, kleines Foto beim Kicker auf dem Handy */
.sfh-vgl{grid-auto-rows:1fr}
.sfh-vgl li{display:flex;min-width:0}
.sfh-vgl li>a{flex:1 1 auto}
@media (max-width:899px){
  .sfh-h1__kw{display:flex;align-items:center;gap:10px}
  .sfh-h1__kw::before{content:"";flex:0 0 34px;width:34px;height:34px;border-radius:50%;background:url(/wp-content/themes/hello-elementor-child/sf/home/img/eric-marschall-autor-160.webp) center/cover no-repeat;border:2px solid rgba(255,255,255,.35)}
}

/* Mobile-Hero mit grossem Porträt und Glas-Karte (22.10.2026, Variante A2a). Desktop unverändert. */
@media (max-width:899px){
  .sfh-h1__kw::before{display:none !important}
  .sfh-hero__in{display:flex;flex-direction:column}
  .sfh-hero__text{display:contents}
  .sfh-hero__text>*{order:4}
  .sfh-hero__text>.sfh-h1,.sfh-hero__text>.sfh-sub{order:1}
  .sfh-hero__person{order:2;position:relative;height:410px;margin:-14px -24px 22px;padding:0;border:0}
  .sfh-hero__person::before{content:"";position:absolute;left:12%;right:12%;top:6%;bottom:-6%;border-radius:50%;background:radial-gradient(closest-side,rgba(105,147,225,.36),rgba(105,147,225,.1) 60%,transparent);filter:blur(4px)}
  .sfh-hero__photo{display:block;position:absolute;inset:0;z-index:1;background:url(img/eric-portrait-mobile.webp) 50% 100%/auto 100% no-repeat;-webkit-mask-image:linear-gradient(#000 86%,transparent);mask-image:linear-gradient(#000 86%,transparent)}
  .sfh-hero__photo img,.sfh-hero__photo source{display:none}
  .sfh-hero__who{position:absolute;right:16px;bottom:44px;z-index:2;display:block;max-width:64%;background:rgba(15,36,64,.55);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.22);border-radius:12px;padding:9px 13px}
  .sfh-hero__who .sfh-hero__avatar{display:none}
  .sfh-hero__who .sfh-trust{font-size:12px;line-height:1.35;color:#c9d6e6}
  .sfh-hero__who .sfh-trust strong{font-size:15px;color:#fff}
}

/* ===== Startseite V3.1 (22.10.2026): Claim, Finanzweg kompakt, Wealth-Letter mit Formular, ETF-Startplan kompakt, So arbeite ich, Neu im Finanzblog ===== */
.sfh-v3 .sfh-hero__acts{margin:22px 0 0}
.sfh-v3 .sfh-hero__cta{margin:0 0 20px}
.sfh-v3 .sfh-chips-l{margin:0 0 4px;font-size:13px;font-weight:600;letter-spacing:0;text-transform:none;color:#b9c9df}
.sfh-fw3{padding-top:28px}
.sfh-fw3__in{display:grid;gap:16px;background:#fff;border:1px solid var(--sf-line);border-radius:var(--sf-radius-l);padding:20px 20px 22px;box-shadow:var(--sf-shadow-card)}
.sfh-fw3__h{font-family:var(--sf-font-serif);font-weight:700;font-size:clamp(20px,2.6vw,25px);line-height:1.3;color:var(--sf-navy);margin:0 0 6px}
.sfh-fw3__p{margin:0;color:var(--sf-muted);font-size:15.5px;line-height:1.6;max-width:600px}
.sfh-fw3__go{display:flex;flex-direction:column;align-items:flex-start;gap:8px}
.sfh-fw3__f{font-size:13px;font-weight:600;color:var(--sf-faint)}
.sfh-wl3 .sfh-wl3__r{font-family:var(--sf-font-serif);font-style:italic;font-size:18px;color:var(--sf-green);margin:-4px 0 10px}
.sfh-form--wl{max-width:520px;margin:4px 0 12px}
.sfh-form--wl input{border-color:transparent}
.sfh-form--wl .sfh-form__msg.is-ok{color:var(--sf-green)}
.sfh-form--wl .sfh-form__msg.is-err{color:#fda29b}
.sfh-wl3 .sfh-wl2__proof a{color:#fff;text-decoration:underline;text-decoration-color:var(--sf-green);text-underline-offset:3px;font-weight:600;margin-left:4px}
.sfh-etf3{display:grid;gap:18px;margin:18px 0 0;background:#eef3fb;border:1px solid #dbe5f3;border-radius:var(--sf-radius-l);padding:22px 20px}
.sfh-etf3__h{font-family:var(--sf-font-serif);font-weight:700;font-size:20px;line-height:1.3;color:var(--sf-navy);margin:0 0 6px}
.sfh-etf3__p{margin:0;color:var(--sf-muted);font-size:15px;line-height:1.6}
.sfh-also{margin:14px 0 0;font-size:14.5px;color:var(--sf-muted)}
.sfh-also a{font-weight:700;color:var(--sf-brand-strong)}
.sfh-how__in{display:grid;grid-template-columns:56px minmax(0,1fr);gap:16px;align-items:start;background:#fff;border:1px solid var(--sf-line);border-radius:var(--sf-radius-l);padding:22px 20px}
.sfh-how__img{width:56px;height:56px;border-radius:50%;object-fit:cover;display:block}
.sfh-how__p{margin:0 0 14px;font-size:16px;line-height:1.7;color:var(--sf-text);max-width:680px}
.sfh-how__q{margin:0 0 14px;font-family:var(--sf-font-serif);font-style:italic;font-size:17px;line-height:1.5;color:var(--sf-navy);max-width:680px}
.sfh-how__q a{font-family:var(--sf-font-sans);font-style:normal;font-size:14px;font-weight:700;color:var(--sf-brand-strong);margin-left:6px;white-space:nowrap}
.sfh-how__who{margin:0;font-size:13px;color:var(--sf-faint)}
.sfh-how .sfh-more{margin-top:10px}
.sfh-new{list-style:none;margin:0;padding:0;border-top:1px solid var(--sf-line)}
.sfh-new li{border-bottom:1px solid var(--sf-line)}
.sfh-new a{display:block;padding:13px 2px;text-decoration:none}
.sfh-new strong{display:block;color:var(--sf-navy);font-size:16px;line-height:1.35}
.sfh-new time{display:block;font-size:12.5px;color:var(--sf-faint);margin-top:3px}
.sfh-new a:hover strong,.sfh-new a:focus-visible strong{text-decoration:underline;text-decoration-color:var(--sf-green);text-decoration-thickness:2px;text-underline-offset:4px}
.sfh-topics{margin:14px 0 0;font-size:14px;color:var(--sf-faint)}
.sfh-topics a{font-weight:700;color:var(--sf-brand-strong)}
@media (max-width:899px){
	.sfh-v3 .sfh-hero__text>.sfh-hero__acts{order:1}
	.sfh-v3 .sfh-hero__acts{margin:16px 0 18px}
	.sfh-v3 .sfh-hero__cta{width:100%;justify-content:center;margin-bottom:14px}
}
@media (min-width:900px){
	.sfh-fw3__in{grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:32px;padding:34px}
	.sfh-fw3__go{align-items:center}
	.sfh-etf3{grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);align-items:center;gap:36px;padding:26px 30px}
	.sfh-etf3 .sfh-form{grid-template-columns:1fr 1fr}
	.sfh-etf3 .sfh-form .sf-btn,.sfh-etf3 .sfh-form__msg{grid-column:1/-1}
	.sfh-form--wl{grid-template-columns:1fr 1fr}
	.sfh-form--wl .sf-btn,.sfh-form--wl .sfh-form__msg{grid-column:1/-1}
	.sfh-how__in{grid-template-columns:80px minmax(0,1fr);gap:26px;padding:30px 34px}
	.sfh-how__img{width:80px;height:80px}
}
@media (max-width:599px){.sfh-how__in{grid-template-columns:minmax(0,1fr);gap:10px}.sfh-how__img{width:52px;height:52px}}
/* Marke schärfen: Zeile über dem Claim nicht im Hellblau (zu nah an FinanzFabio), sondern gedämpftes Weiss */
.sfh-v3 .sfh-h1__kw{color:rgba(255,255,255,.72)}

/* Mobile-Hero: Porträt kompakter, damit es nach den Vergleichs-Kacheln im ersten Bildschirm Platz hat (23.10.2026) */
@media (max-width:899px){
  .sfh-hero__person{height:220px;margin:-12px -24px 12px}
  .sfh-hero__who{bottom:26px;right:20px;padding:7px 11px}
  .sfh-hero__who .sfh-trust strong{font-size:14px}
  .sfh-hero__who .sfh-trust span{font-size:12px}
}

/* Vergleichs-Kacheln alle gleich hoch (23.10.2026) */
.sfh-cmp{grid-auto-rows:1fr}
.sfh-cmp li{display:flex}
.sfh-cmp li>a{flex:1}

/* Wealth-Letter-Ausgaben als Beispiele ohne Link, damit niemand ins Archiv abwandert (23.10.2026) */
.sfh-wl2__t{color:#fff;font-family:var(--sf-font-serif);font-weight:700;font-size:17px;line-height:1.35}

/* 23.10.2026 abends: Label über den WL-Ausgaben, Satz statt Zitat, Hero-Knopf mobil weg (Finanzweg-Box folgt direkt) */
.sfh-wl2__lbl{margin:0 0 4px;font-size:13px;font-weight:600;color:#b9c9df}
.sfh-how__t{margin:0 0 14px;font-size:16px;line-height:1.6;color:var(--sf-text);max-width:680px}
@media (max-width:899px){.sfh-v3 .sfh-hero__cta{display:none}}

/* Glaskarte/Personenzeile: Rolle gedämpft, IAF heller, Name bleibt am stärksten (26.10.2026, Variante C2) */
.sfh-trust__r{opacity:.65}
.sfh-trust__q{color:rgba(255,255,255,.92);font-weight:500}

/* Rechner-Icons v1 (Stil G, Ton in Ton) aus tools.schwiizerfranke.com/sf-icons/rechner/, gleiche Quelle wie /rechner (26.10.2026) */
.sfh-calc4__list a{align-items:center}
.sfh-calc4__list .sfh-ic--t{width:46px;height:46px;flex:0 0 46px;border-radius:12px;display:inline-grid;place-items:center;margin-top:0}
.sfh-calc4__list .sfh-ic--t img{width:30px;height:30px;display:block}
.sfh-calc4__list .sfh-ic--gruen{background:#e8f6ef}
.sfh-calc4__list .sfh-ic--koralle{background:#fdede8}
.sfh-calc4__list .sfh-ic--rose{background:#fcebf0}
.sfh-calc4__list .sfh-ic--gold{background:#fdf4de}
@media (min-width:900px){.sfh-calc4__list .sfh-ic--t{width:54px;height:54px;flex-basis:54px}.sfh-calc4__list .sfh-ic--t img{width:34px;height:34px}}