:root{--ink:#1f2a37;--mut:#5b6b7c;--pri:#1f4e8c;--pri-d:#16385f;--bg:#f3f5f8;--line:#dde3ea;--card:#fff;--paper:#fff;--ok:#1a7f4e}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px}
a{color:var(--pri);text-decoration:none}
a:hover{text-decoration:underline}
.ms-wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.ms-hd{background:#fff;border-bottom:1px solid var(--line)}
.ms-hd-i{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding:12px 20px}
.ms-logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:20px;color:var(--ink);white-space:nowrap}
.ms-logo:hover{text-decoration:none}
.ms-logo svg{flex:0 0 auto}
.ms-logo b{color:var(--pri)}
.ms-nav{display:flex;flex-wrap:wrap;gap:4px 14px;font-size:14.5px}
.ms-nav a{color:#3d4c5e;padding:4px 2px;border-bottom:2px solid transparent}
.ms-nav a:hover{color:var(--pri);text-decoration:none}
.ms-nav a.on{color:var(--pri);border-bottom-color:var(--pri);font-weight:600}
.ms-hero{background:linear-gradient(160deg,var(--pri-d),var(--pri) 70%,#2a62aa);color:#fff;padding:44px 0 40px}
.ms-hero h1{margin:0 0 14px;font-size:34px;line-height:1.25}
.ms-hero p{margin:0;max-width:720px;font-size:17.5px;color:#dbe6f5}
.ms-usp{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 0;padding:0;list-style:none}
.ms-usp li{background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:6px 15px;font-size:14px}
.ms-main{padding:34px 0 50px}
.ms-sec{margin:0 0 38px}
.ms-sec h2{font-size:24px;margin:0 0 6px}
.ms-sec h2 a{color:var(--ink)}
.ms-sec .ms-catdesc{margin:0 0 16px;color:var(--mut);font-size:15px}
.ms-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.ms-card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px 18px;display:block;color:var(--ink);transition:box-shadow .15s,border-color .15s}
.ms-card:hover{text-decoration:none;border-color:var(--pri);box-shadow:0 3px 14px rgba(31,78,140,.12)}
.ms-card b{display:block;color:var(--pri);margin:0 0 5px;font-size:16px}
.ms-card span{font-size:14px;color:var(--mut);line-height:1.5;display:block}
.ms-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:16px 0 0}
.ms-step{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px}
.ms-step i{display:flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:var(--pri);color:#fff;font-style:normal;font-weight:700;margin:0 0 10px}
.ms-step b{display:block;margin:0 0 4px}
.ms-step p{margin:0;font-size:14.5px;color:var(--mut)}
.ms-bc{font-size:13.5px;color:var(--mut);margin:18px 0 6px}
.ms-bc a{color:var(--mut)}
.ms-bc a:hover{color:var(--pri)}
.ms-doc h1{font-size:30px;line-height:1.25;margin:6px 0 14px}
.ms-intro{max-width:820px}
.ms-intro p{margin:0 0 12px;color:#33404f}
.ms-gen{display:grid;grid-template-columns:400px 1fr;gap:22px;margin:26px 0 34px;align-items:start}
.ms-form{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
.ms-form h2,.ms-prev h2{font-size:17px;margin:0 0 14px;text-transform:uppercase;letter-spacing:.04em;color:var(--mut)}
.ms-fld{margin:0 0 13px}
.ms-fld label{display:block;font-size:13.5px;font-weight:600;margin:0 0 4px;color:#33404f}
.ms-fld label em{font-style:normal;font-weight:400;color:var(--mut)}
.ms-fld input,.ms-fld textarea,.ms-fld select{width:100%;border:1px solid #c6cfd9;border-radius:7px;padding:8px 10px;font:inherit;font-size:14.5px;color:var(--ink);background:#fff}
.ms-fld textarea{min-height:74px;resize:vertical}
.ms-fld input:focus,.ms-fld textarea:focus,.ms-fld select:focus{outline:2px solid rgba(31,78,140,.35);border-color:var(--pri)}
.ms-actions{display:flex;gap:10px;flex-wrap:wrap;margin:18px 0 0}
.ms-btn{border:0;border-radius:8px;padding:11px 18px;font:inherit;font-size:15px;font-weight:600;cursor:pointer}
.ms-btn-p{background:var(--pri);color:#fff}
.ms-btn-p:hover{background:var(--pri-d)}
.ms-btn-s{background:#fff;color:var(--pri);border:1px solid var(--pri)}
.ms-btn-s:hover{background:#eef3fa}
.ms-actions-2{margin:10px 0 0;gap:16px}
.ms-mini{background:none;border:0;color:var(--mut);font-size:13px;cursor:pointer;padding:2px 0;text-decoration:underline;font-family:inherit}
.ms-mini:hover{color:var(--pri)}
.ms-fld .ms-err{border-color:#c0392b;background:#fff6f5}
.ms-priv{margin:14px 0 0;font-size:13px;color:var(--mut);display:flex;gap:7px;align-items:flex-start}
.ms-priv svg{flex:0 0 auto;margin-top:2px}
.ms-prev{min-width:0}
.ms-paper{background:var(--paper);border:1px solid var(--line);border-radius:4px;box-shadow:0 4px 18px rgba(20,35,60,.10);padding:46px 50px;min-height:560px;font-family:Georgia,"Times New Roman",serif;font-size:15px;line-height:1.55;color:#1a2230;overflow-wrap:break-word}
.ms-p-abs{margin:0 0 26px;font-size:14px}
.ms-p-empf{margin:0 0 26px}
.ms-p-date{text-align:right;margin:0 0 26px}
.ms-p-betreff{font-weight:700;margin:0 0 18px}
.ms-paper p{margin:0 0 13px}
.ms-p-title{text-align:center;font-weight:700;font-size:19px;margin:0 0 26px;letter-spacing:.02em}
.ms-p-sign{display:flex;gap:40px;margin:52px 0 0;flex-wrap:wrap}
.ms-p-sig{flex:1 1 200px}
.ms-p-sigline{border-bottom:1px solid #1a2230;height:34px;margin:0 0 6px}
.ms-p-siglabel{font-size:12.5px;color:#4a5568}
.ms-author{display:flex;align-items:center;gap:9px;font-size:13.5px;color:var(--mut);margin:-4px 0 14px}
.ms-author svg{flex:0 0 auto}
.ms-author a{color:var(--mut);text-decoration:underline}
.ms-author a:hover{color:var(--pri)}
.ms-laws{background:#fff;border:1px solid var(--line);border-radius:8px;padding:16px 22px;margin:0 0 30px}
.ms-laws h2{font-size:17px;margin:0 0 8px}
.ms-laws ul{margin:0;padding:0 0 0 20px}
.ms-laws li{margin:0 0 6px;font-size:14.5px}
.ms-laws small{color:var(--mut);font-size:12.5px}
.ms-hin{background:#fff;border:1px solid var(--line);border-left:4px solid var(--pri);border-radius:8px;padding:18px 22px;margin:0 0 30px}
.ms-hin h2{font-size:20px;margin:0 0 10px}
.ms-hin ul{margin:0;padding:0 0 0 20px}
.ms-hin li{margin:0 0 8px;font-size:15px;color:#33404f}
.ms-faq{margin:0 0 30px}
.ms-faq h2{font-size:22px;margin:0 0 12px}
.ms-faq details{background:#fff;border:1px solid var(--line);border-radius:8px;margin:0 0 8px;padding:0}
.ms-faq summary{cursor:pointer;font-weight:600;padding:13px 16px;font-size:15.5px;list-style-position:inside}
.ms-faq details p{margin:0;padding:0 16px 14px;font-size:15px;color:#33404f}
.ms-rel h2{font-size:22px;margin:0 0 12px}
.ms-art{max-width:780px}
.ms-art h2{font-size:22px;margin:28px 0 10px}
.ms-art p{margin:0 0 13px;font-size:15.5px;color:#33404f}
.ms-legal{max-width:760px}
.ms-legal h1{font-size:28px}
.ms-legal h2{font-size:20px;margin:26px 0 8px}
.ms-legal p,.ms-legal li{font-size:15px;color:#33404f}
.ms-ft{background:#16233a;color:#aebccd;margin:30px 0 0;padding:30px 0 34px;font-size:14px}
.ms-ft a{color:#cddaf0}
.ms-ft-i{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.ms-ft-col b{display:block;color:#fff;margin:0 0 8px}
.ms-ft-col ul{list-style:none;margin:0;padding:0}
.ms-ft-col li{margin:0 0 5px}
.ms-ft-note{margin:22px 0 0;padding:14px 0 0;border-top:1px solid #2a3a55;font-size:13px;color:#8fa1b8;max-width:900px}
@media(max-width:940px){.ms-gen{grid-template-columns:1fr}.ms-grid{grid-template-columns:repeat(2,1fr)}.ms-steps{grid-template-columns:1fr}.ms-hero h1{font-size:27px}.ms-paper{padding:28px 22px;min-height:420px}}
@media(max-width:560px){.ms-grid{grid-template-columns:1fr}.ms-hd-i{justify-content:center}.ms-doc h1{font-size:24px}}
@media print{body{background:#fff}body *{visibility:hidden}.ms-paper,.ms-paper *{visibility:visible}.ms-paper{position:absolute;left:0;top:0;width:100%;border:0;box-shadow:none;border-radius:0;padding:0;min-height:0;font-size:12pt}}