.bfh-root *,.bfh-root *::before,.bfh-root *::after{box-sizing:border-box;margin:0;padding:0}.bfh-root{--navy:#1e3a5c;--navy-deep:#122540;--navy-light:#2a4f7a;--blue:#3b82f6;--blue-light:#60a5fa;--blue-pale:#eff6ff;--green:#10b981;--green-dark:#059669;--gray:#64748b;--gray-light:#f1f5f9;--gray-border:#e2e8f0;--white:#ffffff;--red:#ef4444;--red-bg:#fef2f2;--red-border:#fecaca;--amber-bg:#fffbeb;--amber-border:#fde68a;--amber-text:#8a6100;--radius:12px;--radius-lg:20px;--font:'Plus Jakarta Sans', system-ui, sans-serif;--serif:'DM Serif Display', Georgia, serif;font-family:var(--font);color:var(--navy);-webkit-font-smoothing:antialiased}.bfh-hero{background:linear-gradient(135deg,var(--navy-deep) 0%,var(--navy) 55%,var(--navy-light) 100%);position:relative;overflow:hidden;padding:56px 24px 72px}.bfh-hero::before{content:'';position:absolute;inset:0;background-image:radial-gradient(rgb(255 255 255 / .055) 1px,transparent 1px);background-size:30px 30px;pointer-events:none}.bfh-hero::after{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 70% 60% at 80% 40%,rgb(59 130 246 / .18) 0%,transparent 65%),radial-gradient(ellipse 40% 50% at 5% 80%,rgb(245 158 11 / .10) 0%,transparent 55%);pointer-events:none}.bfh-wave{position:absolute;bottom:-1px;left:0;right:0;line-height:0;pointer-events:none;z-index:1}.bfh-wave svg{display:block;width:100%}.bfh-inner{position:relative;z-index:2;max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}.bfh-root.bfh-nur-karte{display:block;max-width:560px;margin:0 auto}.bfh-badge{display:inline-flex;align-items:center;gap:8px;background:rgb(255 255 255 / .11);border:1px solid rgb(255 255 255 / .20);border-radius:100px;padding:6px 16px;font-size:12.5px;font-weight:600;color:rgb(255 255 255 / .9);letter-spacing:.03em;margin-bottom:22px;backdrop-filter:blur(8px)}.bfh-badge .bfh-pulse{width:7px;height:7px;background:var(--green);border-radius:50%;flex-shrink:0;animation:bfhPulse 2s infinite}@keyframes bfhPulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.55;transform:scale(1.35)}}.bfh-h1{font-family:var(--serif);font-size:clamp(30px,3.8vw,50px);font-weight:400;color:var(--white);line-height:1.15;letter-spacing:-.015em;margin-bottom:18px}.bfh-h1 em{font-style:italic;color:var(--blue-light)}.bfh-sub{font-size:16px;color:rgb(255 255 255 / .72);line-height:1.65;margin-bottom:32px;max-width:420px}.bfh-trust{display:flex;flex-direction:column;gap:11px}.bfh-trust-item{display:flex;align-items:center;gap:10px;color:rgb(255 255 255 / .82);font-size:14px;font-weight:500}.bfh-trust-icon{width:20px;height:20px;flex-shrink:0;background:rgb(16 185 129 / .18);border:1px solid rgb(16 185 129 / .35);border-radius:50%;display:flex;align-items:center;justify-content:center}.bfh-trust-icon svg{display:block}.bfh-card{background:var(--white);border-radius:var(--radius-lg);box-shadow:0 20px 60px rgb(0 0 0 / .22),0 4px 16px rgb(0 0 0 / .12);overflow:hidden}.bfh-root.bfh-nur-karte .bfh-card{box-shadow:0 8px 30px rgb(30 58 92 / .14)}.bfh-hero .bfh-root.bfh-nur-karte .bfh-card{box-shadow:0 20px 60px rgb(0 0 0 / .22),0 4px 16px rgb(0 0 0 / .12)}.bfh-hero .bfh-root.bfh-nur-karte{max-width:none}.bfh-card-top{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);padding:20px 28px 18px;display:flex;align-items:center;justify-content:space-between;gap:12px}.bfh-card-top-title{font-family:var(--serif);font-size:19px;font-weight:400;color:var(--white);line-height:1.2}.bfh-card-top-sub{font-size:12px;color:rgb(255 255 255 / .6);margin-top:3px}.bfh-card-top-icon{width:42px;height:42px;flex-shrink:0;background:rgb(255 255 255 / .12);border-radius:10px;display:flex;align-items:center;justify-content:center}.bfh-root .bf-wrap{max-width:none;padding:28px 28px 32px;font-family:var(--font);color:var(--navy)}.bfh-root .bf-wrap *{box-sizing:border-box}.bfh-root .bf-progress-wrap{margin-bottom:20px}.bfh-root .bf-step-label{font-size:11.5px;font-weight:600;color:var(--gray);margin-bottom:7px;display:flex;justify-content:space-between}.bfh-root .bf-step-label span{color:var(--navy);font-weight:700}.bfh-root .bf-bar-bg{background:var(--gray-border);border-radius:99px;height:6px;overflow:hidden}.bfh-root .bf-bar{height:100%;background:linear-gradient(90deg,var(--blue),var(--blue-light));border-radius:99px;transition:width .5s cubic-bezier(.4,0,.2,1)}.bfh-root .bf-steps-dots{display:flex;justify-content:center;gap:5px;margin-bottom:16px}.bfh-root .bf-dot{width:7px;height:7px;border-radius:50%;background:var(--gray-border);transition:all .3s}.bfh-root .bf-dot.done{background:var(--blue)}.bfh-root .bf-dot.active{background:var(--navy);width:22px;border-radius:4px}.bfh-root .bf-step{display:none}.bfh-root .bf-step.active{display:block;animation:bfhFadeUp .3s ease}@keyframes bfhFadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}.bfh-root .bf-step-title{font-size:16px;font-weight:800;color:var(--navy);margin-bottom:3px}.bfh-root .bf-step-desc{font-size:12.5px;color:var(--gray);line-height:1.55;margin-bottom:16px;padding-bottom:14px;border-bottom:1px solid var(--gray-border)}.bfh-root .bf-group{margin-bottom:13px}.bfh-root .bf-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}.bfh-root .bf-row.cols3{grid-template-columns:1fr 1fr 1fr}.bfh-root label.bf-label{display:block;font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px}.bfh-root label.bf-label .req{color:var(--blue)}.bfh-root .bf-input,.bfh-root .bf-select{width:100%;height:44px;border:1.5px solid var(--gray-border);border-radius:10px;padding:0 13px;font-family:var(--font);font-size:14px;font-weight:600;color:var(--navy);background:var(--white);outline:none;transition:border-color .15s,box-shadow .15s;-webkit-appearance:none;appearance:none}.bfh-root .bf-select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2364748b' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:32px;cursor:pointer}.bfh-root .bf-input:focus,.bfh-root .bf-select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgb(59 130 246 / .1)}.bfh-root .bf-input.readonly{background:var(--gray-light);color:var(--gray);cursor:default;pointer-events:none;user-select:none}.bfh-root .bf-hint{font-size:11px;color:var(--gray);margin-top:4px}.bfh-root .bf-kinder-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:8px}.bfh-root .bf-input.error,.bfh-root .bf-select.error{border-color:var(--red)!important;background:var(--red-bg);box-shadow:0 0 0 3px rgb(239 68 68 / .12)}.bfh-root .bf-error{background:var(--red-bg);border:1.5px solid var(--red-border);border-radius:8px;padding:9px 13px;font-size:12.5px;color:var(--red);font-weight:600;margin-top:12px;display:none}@keyframes bfhShake{0%,100%{transform:translateX(0)}15%{transform:translateX(-5px)}30%{transform:translateX(5px)}45%{transform:translateX(-4px)}60%{transform:translateX(4px)}75%{transform:translateX(-2px)}90%{transform:translateX(2px)}}.bfh-root .bf-error-shake{animation:bfhShake .4s ease}.bfh-root .bf-toggle-row{display:flex;gap:5px;margin-top:5px}.bfh-root .bf-toggle{height:32px;padding:0 14px;border:1.5px solid var(--gray-border);border-radius:7px;background:var(--white);font-family:var(--font);font-size:12.5px;font-weight:700;color:var(--gray);cursor:pointer;transition:all .15s}.bfh-root .bf-toggle.active{background:var(--navy);border-color:var(--navy);color:var(--white)}.bfh-root .bf-jahresek{margin-top:6px;font-size:11.5px;color:var(--gray)}.bfh-root .bf-jahresek strong{color:var(--navy)}.bfh-root .bf-btn-row{display:flex;justify-content:space-between;align-items:center;margin-top:20px;gap:10px}.bfh-root .bf-btn{display:inline-flex;align-items:center;gap:7px;height:48px;padding:0 22px;border-radius:10px;font-family:var(--font);font-size:14px;font-weight:700;cursor:pointer;border:none;transition:all .18s;white-space:nowrap}.bfh-root .bf-btn-next{background:var(--navy);color:var(--white);flex:1;justify-content:center;box-shadow:0 4px 14px rgb(30 58 92 / .25)}.bfh-root .bf-btn-next:hover{background:#152c47;transform:translateY(-1px)}.bfh-root .bf-btn-prev{background:var(--gray-light);color:var(--gray);border:1.5px solid var(--gray-border);padding:0 16px;flex-shrink:0}.bfh-root .bf-btn-prev:hover{background:var(--gray-border)}.bfh-root .bf-btn-calc{background:linear-gradient(135deg,var(--green),var(--green-dark));color:var(--white);flex:1;justify-content:center;box-shadow:0 4px 18px rgb(16 185 129 / .35);font-size:15px}.bfh-root .bf-btn-calc:hover{transform:translateY(-2px);box-shadow:0 6px 22px rgb(16 185 129 / .45)}.bfh-root .bf-btn[disabled]{opacity:.6;cursor:wait;transform:none!important;box-shadow:none}.bfh-root .bf-info{display:inline-flex;align-items:center;justify-content:center;width:15px;height:15px;background:var(--blue);color:#fff;border-radius:50%;font-size:9.5px;font-weight:700;cursor:help;margin-left:4px;vertical-align:middle;position:relative}.bfh-root .bf-info::after{content:attr(data-tip);position:absolute;bottom:calc(100% + 6px);left:50%;transform:translateX(-50%);background:#1e293b;color:#fff;font-size:11px;padding:6px 10px;border-radius:6px;opacity:0;pointer-events:none;transition:opacity .2s;z-index:99;max-width:210px;white-space:normal;text-align:left;line-height:1.4;font-weight:500}.bfh-root .bf-info:hover::after{opacity:1}.bfh-root .bf-dsgvo{background:var(--blue-pale);border:1.5px solid #bfdbfe;border-radius:10px;padding:12px 14px;font-size:12px;color:#1e40af;margin-top:4px;line-height:1.6}.bfh-root .bf-result{display:none;animation:bfhFadeUp .5s ease}.bfh-root .bf-result-card{background:var(--navy);border-radius:16px;padding:26px 22px;text-align:center;margin-bottom:16px;position:relative;overflow:hidden}.bfh-root .bf-result-card::before{content:'';position:absolute;top:-40px;right:-40px;width:140px;height:140px;background:rgb(255 255 255 / .05);border-radius:50%}.bfh-root .bf-result-card::after{content:'';position:absolute;bottom:-50px;left:-25px;width:170px;height:170px;background:rgb(59 130 246 / .1);border-radius:50%}.bfh-root .bf-result-label{font-size:12px;font-weight:700;color:rgb(255 255 255 / .6);text-transform:uppercase;letter-spacing:1px;margin-bottom:6px}.bfh-root .bf-result-amount{font-size:clamp(34px,8vw,50px);font-weight:800;color:#34d399;letter-spacing:-2px;line-height:1;margin-bottom:4px;position:relative;z-index:1}.bfh-root .bf-result-amount.negative{color:#fca5a5;font-size:34px}.bfh-root .bf-result-sub{font-size:11.5px;color:rgb(255 255 255 / .5);margin-top:6px;line-height:1.5}.bfh-root .bf-result-details{background:var(--gray-light);border-radius:var(--radius);padding:16px;margin-bottom:16px}.bfh-root .bf-detail-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;border-bottom:1px solid var(--gray-border);font-size:12.5px}.bfh-root .bf-detail-row:last-child{border-bottom:none}.bfh-root .bf-detail-label{color:var(--gray);font-weight:500}.bfh-root .bf-detail-val{font-weight:700;color:var(--navy)}.bfh-root .bf-detail-val.minus{color:var(--red)}.bfh-root .bf-detail-val.plus{color:var(--green)}.bfh-root .bf-detail-note{font-size:11px;color:var(--gray);padding:0 0 7px;line-height:1.45}.bfh-root .bf-detail-note.warn{color:var(--amber-text);background:var(--amber-bg);border:1px solid var(--amber-border);border-radius:6px;padding:6px 9px;margin-bottom:7px;font-weight:600}.bfh-root .bf-hinweis-ok{background:#f0fdf4;border:1.5px solid #86efac;border-radius:10px;padding:14px 16px;margin-bottom:14px}.bfh-root .bf-hinweis-nok{background:#fff7ed;border:1.5px solid #fdba74;border-radius:10px;padding:14px 16px;margin-bottom:14px}.bfh-root .bf-nok-tips{margin-top:12px;display:flex;flex-direction:column;gap:7px}.bfh-root .bf-nok-tip{display:flex;align-items:flex-start;gap:9px;background:rgb(255 255 255 / .65);border-radius:8px;padding:9px 12px;font-size:12px;color:#7c2d12;line-height:1.55}.bfh-root .bf-nok-tip-icon{flex-shrink:0;font-size:15px;line-height:1}.bfh-root .bf-cta-btn{width:100%;height:52px;background:linear-gradient(135deg,var(--green),var(--green-dark));color:var(--white);border:none;border-radius:var(--radius);font-family:var(--font);font-size:15px;font-weight:700;cursor:pointer;text-decoration:none;display:flex;align-items:center;justify-content:center;gap:8px;box-shadow:0 4px 18px rgb(16 185 129 / .38);transition:all .2s;margin-bottom:10px}.bfh-root .bf-cta-btn:hover{transform:translateY(-2px);box-shadow:0 6px 24px rgb(16 185 129 / .48)}.bfh-root .bf-restart{display:block;text-align:center;font-size:12.5px;color:var(--gray);cursor:pointer;text-decoration:underline;margin-top:6px}@media (max-width:960px){.bfh-inner{grid-template-columns:1fr;gap:36px}.bfh-left{text-align:center}.bfh-sub{margin-left:auto;margin-right:auto}.bfh-trust{align-items:center}.bfh-card{max-width:560px;margin:0 auto;width:100%}}@media (max-width:560px){.bfh-hero{padding:40px 16px 60px}.bfh-h1{font-size:26px}.bfh-sub{font-size:14.5px}.bfh-card .bf-wrap{padding:20px 16px 24px}.bfh-root .bf-row{grid-template-columns:1fr}.bfh-root .bf-row.cols3{grid-template-columns:1fr 1fr}.bfh-root .bf-kinder-grid{grid-template-columns:1fr}.bfh-root .bf-btn-calc{font-size:13.5px}}@media (max-width:360px){.bfh-root .bf-result-amount{font-size:30px}}