/* billigxxl · Version 1 · Ratgeber-Teil der Tarifseiten */
.vs .rb{--rb-hell:#f3f6fb;--rb-text:#192c4c;--rb-leise:#52617a;color:var(--rb-text);font-size:18px;line-height:1.6;overflow-wrap:break-word}
.vs .rb ::selection{background:#cfe0ff;color:var(--navy)}
.vs .rb-in{width:min(1120px,calc(100% - 80px));margin-inline:auto}
.vs .rb-s{padding-block:64px;scroll-margin-top:150px}
.vs .rb-hell{background:var(--rb-hell);padding-block:96px}
.vs .rb-dunkel{background:var(--navy);color:#d5dff2;padding-block:96px}
.vs .rb-hell+.rb-hell,.vs .rb-dunkel+.rb-hell{border-top:1px solid #e2e8f2}
.vs .rb-s:not(.rb-hell):not(.rb-dunkel)+.rb-s:not(.rb-hell):not(.rb-dunkel){padding-top:48px}
.vs .rb-s:first-child{padding-top:88px}

.vs .rb h2{font-size:clamp(29px,3.3vw,46px);font-weight:600;line-height:1.08;letter-spacing:-.03em;color:var(--navy);margin:0 0 24px;text-wrap:balance;max-width:20em}
.vs .rb h3{font-size:21px;font-weight:650;line-height:1.25;letter-spacing:-.015em;color:var(--navy);margin:0 0 8px}
.vs .rb p{max-width:62ch;margin:0 0 18px;text-wrap:pretty}
.vs .rb p:last-child{margin-bottom:0}
.vs .rb strong{font-weight:700;color:var(--navy)}
.vs .rb .rb-gross{font-size:clamp(20px,1.75vw,24px);line-height:1.42;font-weight:500;letter-spacing:-.012em;color:var(--navy);max-width:34em}
.vs .rb .rb-t a:not(.rb-zum),.vs .rb .rb-weiter a,.vs .rb-quellen a{color:var(--blue);text-decoration:underline;text-decoration-thickness:1.5px;text-underline-offset:4px}
.vs .rb .rb-t a:not(.rb-zum):hover,.vs .rb .rb-weiter a:hover{text-decoration-thickness:2.5px}
.vs .rb a:focus-visible,.vs .rb summary:focus-visible{outline:3px solid var(--blue);outline-offset:4px;border-radius:6px}
.vs .rb-dunkel h2,.vs .rb-dunkel h3,.vs .rb-dunkel strong,.vs .rb-dunkel .rb-gross{color:#fff}
.vs .rb-dunkel a:focus-visible{outline-color:#fff}

/* Bild neben Text */
.vs .rb-zwei{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:88px;align-items:center}
.vs .rb-zwei>:only-child{grid-column:1/-1}
.vs .rb-leit .rb-zwei{grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:72px}
.vs .rb-um .rb-bild{order:-1}
.vs .rb-bild{margin:0;border-radius:28px;overflow:hidden;aspect-ratio:3/2;background:#e6ecf5;box-shadow:0 34px 60px -38px #0c1f4466}
.vs .rb-bild img{width:100%;height:100%;object-fit:cover;display:block}
.vs .rb-knopf{margin-top:28px}
.vs .rb .rb-zum{display:inline-flex;align-items:center;min-height:52px;padding:0 30px;border-radius:999px;background:var(--blue);color:#fff;font-size:17px;font-weight:650;text-decoration:none;transition:background .15s ease-out,transform .1s ease-out}
.vs .rb .rb-zum:hover{background:#0450dc}
.vs .rb .rb-zum:active{transform:scale(.97)}

/* Weiterlesen am Handy */
.vs .rb-mehrtext{border:0}
.vs .rb-mehrtext>summary{display:none}
.vs .rb-mehrtext>p{font-size:inherit;color:inherit;padding:0}
.vs .rb-mehrtext>p:first-of-type{margin-top:18px}

/* Überschrift links, Text rechts */
.vs .rb-spalte{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:88px;align-items:start}
.vs .rb-spalte>h2,.vs .rb-spalte>div>h2{margin-bottom:0}
.vs .rb-spalte>div>h2+p{margin-top:24px}

/* Auf einen Blick */
.vs .rb-tab{display:block;width:100%;border:0;margin-top:40px}
.vs .rb-tab thead{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}
.vs .rb-tab tbody{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0 56px}
.vs .rb-tab tr{display:block;padding:22px 0 26px;border-top:1px solid #cfd8e6}
.vs .rb-tab th,.vs .rb-tab td{width:auto;min-width:0;background:none;border:0;padding:0}
.vs .rb-tab th{display:block;text-align:left;font-size:14.5px;font-weight:600;color:var(--rb-leise);margin-bottom:6px}
.vs .rb-tab td{display:block;font-size:19px;line-height:1.38;font-weight:600;letter-spacing:-.01em;color:var(--navy)}

/* Bildkarten: Schritte und Schutzstufen */
.vs .rb-einl{font-size:20px;max-width:40em;margin-bottom:0}
.vs .rb-karten{list-style:none;padding:0;margin:44px 0 0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.vs .rb-karte{background:#fff;border-radius:26px;overflow:hidden;display:flex;flex-direction:column}
.vs .rb-s:not(.rb-hell) .rb-karte{background:var(--rb-hell)}
.vs .rb-karte .rb-bild{border-radius:0;box-shadow:none}
.vs .rb-kt{padding:26px 28px 30px;display:flex;flex-direction:column;flex:1}
.vs .rb-kt p{font-size:16.5px;line-height:1.55;margin-bottom:0}
.vs .rb-ziffer{width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font-size:17px;font-weight:700;display:grid;place-items:center;margin-bottom:16px}
.vs .rb-pegel{display:flex;gap:5px;margin-bottom:18px}
.vs .rb-pegel i{width:34px;height:6px;border-radius:3px;background:#cfd8e6}
.vs .rb-pegel--1 i:nth-child(-n+1),.vs .rb-pegel--2 i:nth-child(-n+2),.vs .rb-pegel--3 i{background:var(--blue)}
.vs .rb .rb-marke{font-size:14.5px;font-weight:600;color:var(--blue);margin:-2px 0 12px}
.vs .rb .rb-nicht{margin-top:auto;padding-top:16px;font-size:14.5px;color:var(--rb-leise)}
.vs .rb .rb-nicht:before{content:'';display:block;height:1px;background:#cfd8e6;margin-bottom:14px}
.vs .rb .rb-kt>p:nth-last-child(2){margin-bottom:18px}
.vs .rb .rb-weiter{margin-top:32px;font-size:17px;font-weight:600;display:flex;flex-wrap:wrap;gap:6px 28px;max-width:none}
.vs .rb .rb-weiter a{display:inline-flex;align-items:center;min-height:44px}

/* Einflussfaktoren */
.vs .rb-faktoren{list-style:none;padding:0;margin:0;display:grid;gap:0}
.vs .rb-faktoren li{display:grid;grid-template-columns:48px minmax(0,1fr);gap:20px;padding:24px 0;border-top:1px solid var(--line)}
.vs .rb-faktoren li:first-child{border-top:0;padding-top:0}
.vs .rb-faktoren .f-ico{margin:0;border-radius:50%}
.vs .rb-faktoren p{font-size:16.5px;line-height:1.55}

/* Hakenliste */
.vs .rb-haken{list-style:none;padding:0;margin:8px 0 0}
.vs .rb-haken li{position:relative;padding:15px 0 15px 38px;border-top:1px solid var(--line);font-size:17px;line-height:1.5}
.vs .rb-hell .rb-haken li{border-color:#cfd8e6}
.vs .rb-haken li:first-child{border-top:0}
.vs .rb-haken li:before{content:'';position:absolute;left:0;top:17px;width:22px;height:22px;border-radius:50%;background:var(--blue) url(/assets/versicherung/haken-weiss.svg) center/12px no-repeat}

/* Stichtag */
.vs .rb-termin .rb-datum{font-size:clamp(76px,10.5vw,132px);font-weight:700;line-height:.9;letter-spacing:-.05em;color:#fff;margin:0 0 28px;max-width:none}
.vs .rb-termin h2{font-size:clamp(24px,2.2vw,30px);letter-spacing:-.02em;margin-bottom:20px}
.vs .rb-termin .rb-gross{font-size:19px;color:#fff}
.vs .rb-dunkel .rb-t a:not(.rb-zum),.vs .rb-dunkel .rb-weiter a{color:#a9c8ff}
.vs .rb-termin .rb-bild{box-shadow:none}

/* Worauf Du achten solltest */
.vs .rb-drei{list-style:none;padding:0;margin:40px 0 0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:56px}
.vs .rb-drei li{border-top:1px solid #ffffff38;padding-top:24px}
.vs .rb-drei strong{display:block;font-size:22px;line-height:1.25;letter-spacing:-.015em;font-weight:650;margin-bottom:10px}
.vs .rb-drei p{font-size:16.5px;line-height:1.55;color:#c9d5ec}

/* Fragen */
.vs .rb-fragen details{border-bottom:1px solid #cfd8e6;background:none}
.vs .rb-fragen details:first-child{border-top:1px solid #cfd8e6}
.vs .rb-fragen summary{font-size:19px;font-weight:600;line-height:1.35;letter-spacing:-.01em;padding:21px 48px 21px 0;min-height:68px;display:flex;align-items:center}
.vs .rb-fragen summary:after{top:50%;transform:translateY(-50%);right:4px;font-size:28px;font-weight:300;line-height:1}
.vs .rb-fragen details>p{font-size:17px;color:var(--rb-text);padding:0 48px 26px 0;max-width:60ch}

/* Anzeige im Text */
.vs .rb-anzeige{padding:8px 0 64px}
.vs .rb-anzeige .vx-banner{display:grid;justify-items:center;gap:6px}

/* Weiterlesen: Ratgeber, Geschwister, Bereiche */
.vs .rb-mehr{padding-block:96px 72px;border-top:1px solid var(--line)}
.vs .rb-mehr h2{font-size:clamp(26px,2.6vw,36px);margin-bottom:28px}
.vs .rb-themen{margin-bottom:80px}
.vs .rb-themen ul,.vs .rb-bereiche ul{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px}
.vs .rb-themen a{display:inline-flex;align-items:center;min-height:50px;padding:0 22px;border-radius:999px;background:var(--rb-hell);color:var(--navy);font-size:16.5px;font-weight:600;transition:background .15s ease-out,color .15s ease-out}
.vs .rb-themen a:hover{background:var(--blue);color:#fff}
.vs .rb-ziele{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(232px,1fr));gap:36px 24px}
.vs .rb-ziel{display:block}
.vs .rb-ziel .rb-bild{border-radius:20px;box-shadow:none;margin-bottom:16px}
.vs .rb-ziel .rb-bild img{transition:transform .5s cubic-bezier(.16,1,.3,1)}
.vs .rb-ziel:hover .rb-bild img{transform:scale(1.04)}
.vs .rb-zt{display:block}
.vs .rb-zt strong{display:block;font-size:19px;line-height:1.25;letter-spacing:-.015em;font-weight:650}
.vs .rb-ziel:hover strong{color:var(--blue)}
.vs .rb-zt span{display:block;font-size:15.5px;line-height:1.45;color:var(--rb-leise);margin-top:6px}
.vs .rb-bereiche{margin-top:88px;padding-top:56px;border-top:1px solid var(--line)}
.vs .rb-gruppen{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:32px}
.vs .rb-gruppe{border:0}
.vs .rb-gruppe>summary{padding:0 0 10px;min-height:0;font-size:15px;font-weight:650;color:var(--rb-leise);pointer-events:none;cursor:default}
.vs .rb-gruppe>summary:after{display:none}
.vs .rb-gruppe ul{list-style:none;padding:0;margin:0}
.vs .rb-gruppe a{display:flex;align-items:center;min-height:44px;font-size:16px;line-height:1.3;font-weight:550;color:var(--navy);padding:2px 0}
.vs .rb-gruppe a:hover,.vs .rb-gruppe a[aria-current]{color:var(--blue)}
.vs .rb-gruppe .rb-alle{color:var(--blue);font-weight:650}

/* Quellen */
.vs .rb-quellen{padding:0 0 64px}
.vs .rb-quellen p{max-width:none;font-size:13px;line-height:1.7;color:var(--rb-leise);border-top:1px solid var(--line);padding-top:22px}

/* Übersichtsseiten: Themenkarte mit Bild */
.vs .area-topic--bild{grid-template-columns:minmax(0,200px) minmax(0,1fr);padding:16px;gap:22px;align-items:center}
.vs .at-bild{margin:0;border-radius:14px;overflow:hidden;aspect-ratio:3/2;background:#e6ecf5}
.vs .at-bild img{width:100%;height:100%;object-fit:cover;display:block}
.vs .area-topic--bild .button{grid-column:2}

@media (max-width:1100px){
.vs .rb-zwei,.vs .rb-leit .rb-zwei,.vs .rb-spalte{gap:48px}
.vs .rb-tab tbody{gap:0 40px}
.vs .rb-drei{gap:36px}
}
@media (max-width:900px){
.vs .rb{font-size:17.5px}
.vs .rb-in{width:calc(100% - 64px)}
.vs .rb-spalte{grid-template-columns:minmax(0,1fr);gap:24px}
.vs .rb-tab tbody{grid-template-columns:repeat(2,minmax(0,1fr))}
.vs .rb-karten{grid-auto-flow:column;grid-template-columns:none;grid-auto-columns:min(78%,340px);gap:16px;overflow-x:auto;scroll-snap-type:x mandatory;margin-inline:-32px;padding:0 32px 8px;scroll-padding-inline:32px;scrollbar-width:none;overscroll-behavior-x:contain}
.vs .rb-karten::-webkit-scrollbar{display:none}
.vs .rb-karte{scroll-snap-align:start}
.vs .rb-hell,.vs .rb-dunkel{padding-block:72px}
.vs .area-topic--bild{grid-template-columns:minmax(0,150px) minmax(0,1fr)}
}
@media (max-width:1100px){.vs .rb-gruppen{grid-template-columns:repeat(3,minmax(0,1fr));gap:32px 24px}}
@media (max-width:760px){
.vs .rb-gruppen{grid-template-columns:minmax(0,1fr);gap:0}
.vs .rb-gruppe{border-bottom:1px solid var(--line)}
.vs .rb-gruppe:first-child{border-top:1px solid var(--line)}
.vs .rb-gruppe>summary{pointer-events:auto;cursor:pointer;display:flex;align-items:center;min-height:56px;padding:0 40px 0 0;font-size:17.5px;color:var(--navy)}
.vs .rb-gruppe>summary:after{display:block;top:50%;transform:translateY(-50%);right:4px;font-size:26px;font-weight:300;line-height:1}
.vs .rb-gruppe ul{padding-bottom:12px}
.vs .rb-gruppe a{min-height:44px}
.vs .rb-zwei,.vs .rb-leit .rb-zwei{grid-template-columns:minmax(0,1fr);gap:28px}
.vs .rb-reihe .rb-bild,.vs .rb-termin .rb-bild{order:-1}
.vs .rb-drei{grid-template-columns:minmax(0,1fr);gap:0;margin-top:28px}
.vs .rb-mehrtext>summary{display:inline-flex;align-items:center;min-height:44px;padding:0 26px 0 0;font-size:16.5px;font-weight:650;color:var(--blue)}
.vs .rb-mehrtext>summary:after{content:'';right:6px;top:50%;width:8px;height:8px;border:solid currentColor;border-width:0 2px 2px 0;transform:translateY(-70%) rotate(45deg);font-size:0}
.vs .rb-mehrtext[open]>summary{display:none}
.vs .rb-mehrtext>p:first-of-type{margin-top:14px}
.vs .rb-drei li{padding:20px 0}
.vs .rb-drei strong{font-size:20px;margin-bottom:6px}
}
@media (max-width:600px){
.vs .rb{font-size:17px;line-height:1.55}
.vs .rb-in{width:calc(100% - 40px)}
.vs .rb-s{padding-block:40px;scroll-margin-top:96px}
.vs .rb-s:first-child{padding-top:48px}
.vs .rb-s:not(.rb-hell):not(.rb-dunkel)+.rb-s:not(.rb-hell):not(.rb-dunkel){padding-top:24px}
.vs .rb-hell,.vs .rb-dunkel{padding-block:52px}
.vs .rb h2{font-size:29px;margin-bottom:16px}
.vs .rb p{margin-bottom:14px}
.vs .rb .rb-gross{font-size:19.5px;line-height:1.4}
.vs .rb-bild{border-radius:20px}
.vs .rb-zwei,.vs .rb-leit .rb-zwei{gap:22px}
.vs .rb .rb-zum{width:100%;justify-content:center}
.vs .rb-knopf{margin-top:20px}
.vs .rb-tab{margin-top:20px}
.vs .rb-tab tbody{grid-template-columns:minmax(0,1fr)}
.vs .rb-tab tr{padding:14px 0 16px}
.vs .rb-tab th{font-size:13.5px;margin-bottom:3px}
.vs .rb-tab td{font-size:17px}
.vs .rb-einl{font-size:17.5px}
.vs .rb-karten{margin-top:28px;margin-inline:-20px;padding-inline:20px;scroll-padding-inline:20px;grid-auto-columns:82%;gap:12px}
.vs .rb-karte{border-radius:22px}
.vs .rb-kt{padding:20px 20px 24px}
.vs .rb-faktoren li{padding:18px 0;gap:16px}
.vs .rb-haken li{font-size:16.5px;padding-block:13px}
.vs .rb-fragen summary{font-size:17.5px;padding:16px 40px 16px 0;min-height:60px}
.vs .rb-fragen details>p{font-size:16.5px;padding:0 0 20px}
.vs .rb-anzeige{padding:0 0 40px}
.vs .rb-mehr{padding-block:52px 40px}
.vs .rb-themen{margin-bottom:52px}
.vs .rb-themen ul{gap:8px}
.vs .rb-themen a{min-height:46px;padding:0 16px;font-size:15.5px}
.vs .rb-ziele{grid-template-columns:repeat(2,minmax(0,1fr));gap:24px 12px}
.vs .rb-ziel .rb-bild{border-radius:14px;margin-bottom:10px}
.vs .rb-zt strong{font-size:16px;hyphens:auto}
.vs .rb-zt span{display:none}
.vs .rb-bereiche{margin-top:48px;padding-top:36px}
.vs .rb-quellen{padding-bottom:40px}
.vs .rb-quellen a{display:block;padding:11px 0}
.vs .area-topic--bild{grid-template-columns:96px minmax(0,1fr);padding:14px;gap:12px 14px;align-items:center}
.vs .area-topic--bild .at-bild{aspect-ratio:1;border-radius:12px}
.vs .area-topic--bild h3{font-size:19px}
.vs .area-topic--bild p{margin:4px 0 0;font-size:14.5px;line-height:1.4}
.vs .area-topic--bild ul{display:none}
.vs .area-topic--bild .button{grid-column:1/-1;justify-self:stretch;justify-content:center;text-align:center}
}
@media (prefers-reduced-motion:reduce){.vs .rb *{transition:none!important}}
.vs .rb #fragen details{background:none}
.vs .rb-tab,.vs .rb-tab tbody,.vs .rb-tab tr{min-width:0;max-width:100%}
.vs .rb-ziel{min-height:44px}
.vs .rb-gruppe a,.vs .rb-zt strong,.vs .rb h2,.vs .rb h3,.vs .rb-tab td{hyphens:auto;overflow-wrap:break-word}
.vs .rb-gruppe li{min-width:0}
@media (min-width:601px){
.vs .rb-ziele:has(>li:only-child){grid-template-columns:minmax(0,1fr)}
.vs .rb-ziele>li:only-child .rb-ziel{display:grid;grid-template-columns:minmax(0,340px) minmax(0,1fr);gap:32px;align-items:center;max-width:820px}
.vs .rb-ziele>li:only-child .rb-bild{margin:0}
.vs .rb-ziele>li:only-child strong{font-size:24px}
.vs .rb-ziele>li:only-child .rb-zt span{font-size:17px;margin-top:8px}
}
.vs .calc-head>div,.vs .calc-head>div>div{min-width:0}
.vs .calc-head strong,.vs .calc-head small{overflow-wrap:anywhere;hyphens:auto}
@media (max-width:600px){
.vs .vx-kacheln{display:grid;grid-auto-flow:column;grid-template-columns:none;grid-auto-columns:300px;gap:12px;overflow-x:auto;scroll-snap-type:x mandatory;margin-inline:-16px;padding:0 16px 6px;scroll-padding-inline:16px;scrollbar-width:none;overscroll-behavior-x:contain}
.vs .vx-kacheln::-webkit-scrollbar{display:none}
.vs .vx-kacheln li{scroll-snap-align:start}
.vs .vx-kacheln a{display:block;min-height:0}
.vs .vx-kacheln img{width:300px;height:250px}
}
@media (max-width:600px){.vs .vx-werbung,.vs .vx-werbung>*,.vs .vx-mehr>*{min-width:0;max-width:100%}.vs .vx-werbung{grid-template-columns:minmax(0,1fr)}.vs .vx-kacheln{max-width:none;width:auto}}
@media (max-width:600px){
.vs .rb-ziele:has(>li:only-child){grid-template-columns:minmax(0,1fr)}
.vs .rb-ziele>li:only-child .rb-ziel{display:grid;grid-template-columns:132px minmax(0,1fr);gap:16px;align-items:center}
.vs .rb-ziele>li:only-child .rb-bild{margin:0}
.vs .rb-ziele>li:only-child .rb-zt span{display:block;font-size:14.5px}
}
.vs .rb-sr{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}
.vs .rb-karten:focus-visible{outline:3px solid var(--blue);outline-offset:4px;border-radius:12px}
.vs .rb-mehrtext>p:focus{outline:none}