:root{--ink:#142539;--muted:#52677b;--blue:#0e5275;--deep:#102f49;--teal:#0b8c8b;--line:#dbe5eb;--bg:#f5f8fa;--white:#fff;--sand:#edebe3}
  *{box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{margin:0;font:16px/1.65 system-ui,-apple-system,'Segoe UI',Arial,sans-serif;color:var(--ink);background:#fff}
  a{color:var(--blue)}
  .wrap{width:min(1140px,calc(100% - 44px));margin:auto}
  .eyebrow{font-size:.78rem;letter-spacing:.13em;font-weight:800;text-transform:uppercase;color:var(--teal)}
  .top{background:#fff;border-bottom:1px solid var(--line)}
  .top .wrap{display:flex;justify-content:space-between;align-items:center;min-height:78px;gap:25px}
  .logo{text-decoration:none;display:flex;align-items:center;gap:12px;color:var(--deep)}
  .mark{width:46px;height:46px;border:2px solid var(--blue);display:grid;place-items:center;font-size:16px;font-weight:900;letter-spacing:-1px;position:relative}
  .mark:after{content:'';height:4px;width:15px;background:var(--teal);position:absolute;bottom:-2px;right:-2px}
  .brand{font-size:16px;line-height:1.2;font-weight:800;letter-spacing:.01em}
  .brand small{display:block;font-size:11px;font-weight:500;color:var(--muted);letter-spacing:.07em;margin-top:4px}
  nav{display:flex;gap:21px;align-items:center}
  nav a{font-size:13px;font-weight:700;text-decoration:none;color:#314659}
  .navcta{border:1px solid var(--blue);border-radius:4px;padding:10px 13px}
  .hero{background:linear-gradient(115deg,#102e46 0%,#164563 64%,#126b74 100%);color:#fff;position:relative;overflow:hidden}
  .hero:before{content:'';position:absolute;inset:0;background:linear-gradient(125deg,transparent 58%,#ffffff08 58% 59%,transparent 59%),repeating-linear-gradient(90deg,transparent 0 118px,#ffffff08 119px 120px);pointer-events:none}
  .hero .wrap{display:grid;grid-template-columns:1.35fr .65fr;gap:50px;padding:90px 0 82px;align-items:center;position:relative}
  .hero .eyebrow{color:#73d8ce}
  h1{font-size:clamp(32px,4.4vw,56px);line-height:1.13;letter-spacing:-.035em;margin:16px 0 17px;font-weight:760}
  .hero .lead{font-size:19px;line-height:1.5;color:#e4eef2;max-width:670px;margin:0 0 20px;font-weight:520}
  .hero p{color:#d9e6ee;max-width:680px}
  .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
  .btn{display:inline-block;border-radius:4px;padding:12px 20px;font-weight:770;font-size:14px;text-decoration:none}
  .btn.primary{background:#fff;color:var(--deep)}
  .btn.secondary{background:transparent;color:#fff;border:1px solid #9fc8d8}
  .hero-art{border:1px solid #ffffff50;aspect-ratio:4/4.2;border-radius:6px;padding:22px;display:flex;flex-direction:column;justify-content:space-between;background:#ffffff0b;box-shadow:18px 18px 0 #ffffff08;position:relative}
  .hero-art .schematic{flex:1;display:grid;place-items:center;padding:25px 0}
  .hero-art svg{width:100%;height:100%;max-height:245px}
  .hero-art strong{font-size:26px;line-height:1.25;letter-spacing:-.03em}
  .hero-art span{font-size:12px;text-transform:uppercase;letter-spacing:.14em;color:#c5dce7}
  .trust{background:#eef5f7;border-bottom:1px solid #e0e9ed}
  .trust .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding:21px 0;font-size:13px;font-weight:750;color:#22455e}
  .trust b{font-size:18px;margin-right:8px;color:var(--teal)}
  section{padding:82px 0}
  .light{background:var(--bg)}
  .intro{max-width:780px;font-size:18px;color:#3d5365}
  h2{font-size:clamp(25px,2.9vw,38px);line-height:1.2;letter-spacing:-.02em;color:var(--deep);margin:8px 0 23px}
  h3{font-size:19px;line-height:1.3;margin:0 0 10px;color:var(--deep)}
  .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:31px}
  .card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:5px;padding:24px 23px;box-shadow:0 3px 13px #162e4308}
  .card .number{font-size:13px;letter-spacing:.12em;color:var(--teal);font-weight:800;display:block;margin-bottom:18px}
  .card p{margin:0;color:#4c5e6c;font-size:14px;line-height:1.67}
  .twocol{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:start}
  .listclean{list-style:none;padding:0;margin:0}
  .listclean li{border-bottom:1px solid var(--line);padding:18px 0 18px 36px;position:relative;color:#40596a}
  .listclean li:before{content:'✓';position:absolute;left:1px;top:18px;color:var(--teal);font-weight:850}
  .quote{background:#e9f3f4;padding:32px;border-left:4px solid var(--teal);color:#24485b;font-size:17px;line-height:1.65;border-radius:3px;margin-top:25px}
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:37px}
  .step{border:1px solid var(--line);border-radius:5px;padding:22px;background:#fff}
  .step .stepnumber{font-size:14px;font-weight:850;color:var(--teal);margin-bottom:12px}
  .step p{font-size:14px;color:var(--muted);margin:0}
  .faqs{max-width:900px}
  details{border-bottom:1px solid var(--line);padding:14px 0}
  summary{font-size:17px;font-weight:730;color:var(--deep);cursor:pointer;list-style-position:outside;padding:8px}
  details p{color:#4a5c6b;margin:7px 12px 15px}
  .contact-section{background:#12334b;color:#fff}
  .contact-section h2{color:#fff}
  .contact-section p{color:#d4e6ee}
  .contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center}
  .contactcard{background:#ffffff0d;border:1px solid #ffffff40;border-radius:6px;padding:30px}
  .contactcard a{color:#fff;text-decoration:none}
  .contactcard a:hover{text-decoration:underline}
  .contactcard .big{font-size:24px;font-weight:800}
  footer{padding:30px 0;color:#627385;font-size:13px}
  footer .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
  footer a{color:var(--blue)}
  .fineprint{background:#f6f9fa;padding:19px 0;border-top:1px solid var(--line);color:#526778;font-size:12px}
  @media(max-width:920px){.hero .wrap{grid-template-columns:1fr} .hero-art{display:none}.cards{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}nav{gap:12px}}
  @media(max-width:610px){.wrap{width:min(100% - 30px,1140px)}nav a:not(.navcta){display:none}.brand{font-size:13px}.brand small{font-size:10px}.hero .wrap{padding:65px 0}.trust .wrap{grid-template-columns:1fr;gap:7px;padding:15px 0}section{padding:57px 0}.cards,.steps,.twocol,.contact-grid{grid-template-columns:1fr;gap:13px}.contactcard{padding:22px}}
  
/* Ergänzungen ausschließlich für die gemeinsame Navigation */
.top .wrap{flex-wrap:wrap}.ibk-nav{display:flex;align-items:center;gap:17px;flex-wrap:wrap}
.ibk-nav details{position:relative;padding:10px 0}.ibk-nav summary{cursor:pointer;list-style:none;font-size:13px;font-weight:700;color:#314659}
.ibk-nav summary::-webkit-details-marker{display:none}.ibk-nav .submenu{position:absolute;top:100%;left:0;z-index:30;min-width:220px;background:white;border:1px solid var(--line);box-shadow:0 12px 25px #102f4925;border-radius:5px;padding:8px;display:grid;gap:0}
.ibk-nav .submenu a{display:block;padding:9px 12px;white-space:nowrap}.ibk-nav a:hover,.ibk-nav summary:hover{color:var(--teal)}
.mobile-menu-toggle{display:none;border:1px solid var(--line);background:white;border-radius:4px;padding:10px 14px;font-weight:700;color:var(--deep);cursor:pointer}
.hero.page-hero .wrap{display:block;max-width:1140px}.hero.page-hero .lead{max-width:850px}
.footer-links{display:flex;gap:15px;flex-wrap:wrap}
@media(max-width:920px){.mobile-menu-toggle{display:block;margin-left:auto}.ibk-nav{display:none;width:100%;padding:12px 0 20px;align-items:stretch;flex-direction:column;gap:0}.ibk-nav.open{display:flex}.ibk-nav>a,.ibk-nav>details{padding:10px 0;border-top:1px solid var(--line)}.ibk-nav .submenu{position:static;box-shadow:none;border:0;border-left:2px solid var(--teal);margin-top:8px}.top .wrap{min-height:78px}}
@media(max-width:610px){.ibk-nav a:not(.navcta){display:block}.hero.page-hero .wrap{padding:65px 0}}

/* Download-Verzeichnis */
.download-heading{margin:38px 0 14px}.download-list{display:grid;gap:9px}.download-item{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:17px 20px;border:1px solid var(--line);background:#fff;border-left:3px solid var(--teal);border-radius:5px;text-decoration:none;color:var(--deep);font-weight:650}.download-item:hover{background:#eaf4f5}.download-action{font-size:13px;color:var(--teal);white-space:nowrap;font-weight:800}.download-item.unavailable{border-left-color:#aebdc6;color:#647481;background:#f5f8fa}.unavailable .download-action{color:#647481}.notice{background:#e9f3f4;border-left:4px solid var(--teal);padding:18px 22px;margin:20px 0 28px}@media(max-width:610px){.download-item{align-items:flex-start;flex-direction:column;gap:7px}.download-action{white-space:normal}}