*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;color:#18202a;background:#fff;line-height:1.65}a{text-decoration:none;color:inherit}button{font:inherit}.container{width:min(1180px,92%);margin:0 auto}.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);border-bottom:1px solid #e9edf1;backdrop-filter:blur(10px)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:26px}.logo{font-size:23px;font-weight:850;letter-spacing:-.5px;white-space:nowrap}.logo span{color:#d20a11}.nav-links{display:flex;align-items:center;gap:24px;font-size:14px;font-weight:700;color:#4a5560}.nav-links a:hover,.nav-links a.active{color:#d20a11}.nav-button{background:#d20a11;color:#fff!important;padding:10px 16px;border-radius:8px}.menu-toggle{display:none;background:#fff;border:1px solid #dce1e6;border-radius:8px;padding:9px 12px;font-weight:700;color:#18202a}
.hero{position:relative;overflow:hidden;padding:100px 0 94px;background:radial-gradient(circle at 85% 20%,rgba(210,10,17,.09),transparent 30%),linear-gradient(135deg,#f7f9fb 0%,#fff 55%,#f9f4f4 100%)}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:70px}.eyebrow,.updated-badge{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid #e3e7eb;border-radius:50px;padding:8px 14px;font-size:13px;font-weight:750}.eyebrow{margin-bottom:24px}.eyebrow-dot{width:8px;height:8px;border-radius:50%;background:#d20a11}h1{font-size:clamp(42px,5vw,68px);line-height:1.05;letter-spacing:-2.2px;margin:0 0 25px;color:#111820}.hero h1 span{color:#d20a11}.hero-text{font-size:19px;max-width:700px;color:#59636e;margin:0 0 34px}.hero-buttons{display:flex;flex-wrap:wrap;gap:14px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:15px 24px;border-radius:9px;font-weight:750;font-size:15px;transition:.2s}.btn-primary{background:#d20a11;color:#fff;box-shadow:0 8px 25px rgba(210,10,17,.18)}.btn-primary:hover{background:#b9080e;transform:translateY(-2px)}.btn-secondary{background:#fff;border:1px solid #dce1e6}.btn-secondary:hover{border-color:#aeb6be;transform:translateY(-2px)}.bank-card{background:#111820;color:#fff;border-radius:24px;padding:38px;box-shadow:0 30px 70px rgba(0,0,0,.14);position:relative;overflow:hidden}.bank-card:before{content:"";position:absolute;width:240px;height:240px;border-radius:50%;background:rgba(210,10,17,.24);top:-100px;right:-80px}.swiss-symbol{width:66px;height:66px;background:#d20a11;border-radius:14px;display:flex;justify-content:center;align-items:center;margin-bottom:28px;position:relative}.cross-v,.cross-h{position:absolute;background:#fff;border-radius:1px}.cross-v{width:12px;height:39px}.cross-h{width:39px;height:12px}.bank-card h2{font-size:28px;margin:0 0 12px}.bank-card>p{color:#b8c0c8;margin:0 0 28px}.card-stat{border-top:1px solid rgba(255,255,255,.12);padding:18px 0;display:flex;justify-content:space-between;gap:15px}.card-stat:last-child{padding-bottom:0}.card-stat strong{font-size:15px}.card-stat span{color:#b8c0c8;text-align:right;font-size:14px}
.trust{border-bottom:1px solid #edf0f2;padding:26px 0}.trust-row{display:grid;grid-template-columns:repeat(4,1fr);text-align:center;gap:20px}.trust-item{font-size:14px;color:#66717c}.trust-item strong{display:block;font-size:16px;color:#18202a;margin-bottom:3px}section{padding:90px 0}.section-light{background:#f7f9fb}.section-head{max-width:760px;margin-bottom:46px}.section-label{color:#d20a11;font-weight:850;font-size:13px;text-transform:uppercase;letter-spacing:1.4px;margin-bottom:11px}.section-title{font-size:clamp(31px,4vw,46px);line-height:1.12;letter-spacing:-1.4px;margin:0 0 18px}.section-description{color:#66717c;font-size:17px;margin:0}.category-grid,.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.category,.guide-card{background:#fff;border:1px solid #e5e9ed;border-radius:16px;padding:30px;transition:.22s}.category:hover,.guide-card:hover{transform:translateY(-4px);box-shadow:0 18px 45px rgba(17,24,32,.08);border-color:#d5dade}.icon{width:48px;height:48px;background:#fff1f1;color:#d20a11;border-radius:11px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:22px}.category h3,.guide-card h3{font-size:20px;margin:0 0 10px}.category p,.guide-card p{color:#68737d;font-size:15px;margin:0 0 18px}.category a,.guide-card b{color:#d20a11;font-weight:750;font-size:14px}.guide-card>span{display:block;color:#d20a11;font-size:12px;font-weight:850;text-transform:uppercase;letter-spacing:.9px;margin-bottom:8px}.guide-card b{display:block}.info-grid{display:grid;grid-template-columns:1fr 1fr;gap:65px;align-items:start}.info-content h2{font-size:40px;line-height:1.15;letter-spacing:-1px;margin:0 0 22px}.info-content p{color:#65707b;margin:0 0 20px}.check-list{display:grid;gap:13px;margin-top:28px}.check{display:flex;gap:12px;align-items:flex-start}.checkmark{flex:0 0 23px;height:23px;border-radius:50%;background:#e9f7ed;color:#16873a;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:800}.notice{background:#fff;border:1px solid #e2e6ea;border-radius:18px;padding:34px;box-shadow:0 15px 40px rgba(0,0,0,.05)}.notice h3{margin:0 0 15px;font-size:22px}.notice p{color:#66717c;margin:0 0 15px;font-size:15px}.notice-highlight{background:#fff5f5;border-left:4px solid #d20a11;padding:16px 18px;margin-top:20px;font-size:14px;color:#4c555f}.quick-table{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid #e2e6ea;border-radius:16px;overflow:hidden}.quick-table th,.quick-table td{padding:16px 18px;border-bottom:1px solid #edf0f2;text-align:left;vertical-align:top}.quick-table th{background:#f7f9fb;font-size:13px;text-transform:uppercase;letter-spacing:.5px;color:#59636e}.quick-table tr:last-child td{border-bottom:0}.quick-table td:first-child{font-weight:750;width:26%}.cta{background:#111820;color:#fff;border-radius:26px;padding:58px 62px;display:grid;grid-template-columns:1fr auto;align-items:center;gap:45px}.cta h2{font-size:36px;line-height:1.15;margin:0 0 12px}.cta p{color:#b8c0c8;max-width:700px;margin:0}.faq{max-width:900px}.faq details,.article-content details{border-bottom:1px solid #e2e6e9;padding:20px 0}.faq summary,.article-content summary{cursor:pointer;font-weight:750;font-size:17px;list-style:none;padding-right:35px;position:relative}.faq summary::-webkit-details-marker,.article-content summary::-webkit-details-marker{display:none}.faq summary:after,.article-content summary:after{content:"+";position:absolute;right:5px;top:-4px;font-size:27px;font-weight:400;color:#d20a11}.faq details[open] summary:after,.article-content details[open] summary:after{content:"−"}.faq details p,.article-content details p{color:#65717c;padding-top:12px}
.article-hero{padding:64px 0 58px;background:linear-gradient(135deg,#f7f9fb 0%,#fff 58%,#f9f4f4 100%);border-bottom:1px solid #edf0f2}.article-hero-inner{max-width:980px}.breadcrumbs{display:flex;gap:8px;align-items:center;color:#7a838c;font-size:13px;margin-bottom:24px}.breadcrumbs a:hover{color:#d20a11}.article-hero h1{font-size:clamp(38px,5vw,58px);max-width:900px}.article-lead{font-size:19px;color:#59636e;max-width:830px;margin:0 0 22px}.updated-badge{color:#59636e;background:#fff}.article-section{padding:66px 0}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:62px;align-items:start}.article-content{min-width:0}.content-block{padding:0 0 48px;margin-bottom:48px;border-bottom:1px solid #edf0f2}.content-block:last-of-type{margin-bottom:25px}.content-block h2{font-size:31px;line-height:1.2;letter-spacing:-.6px;margin:0 0 18px}.content-block h3{font-size:21px;margin:28px 0 10px}.content-block p{color:#4f5a65;margin:0 0 16px}.content-block ul,.content-block ol{color:#4f5a65;padding-left:22px;margin:0 0 18px}.content-block li{margin-bottom:8px}.content-block a{color:#b9080e;text-decoration:underline;text-underline-offset:2px}.callout{background:#f7f9fb;border:1px solid #e3e7eb;border-radius:14px;padding:20px 22px;margin:22px 0}.callout.red{background:#fff5f5;border-left:4px solid #d20a11}.fact-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:24px 0}.fact-card{background:#f7f9fb;border:1px solid #e5e9ed;border-radius:14px;padding:20px}.fact-card strong{display:block;font-size:20px;margin-bottom:5px}.fact-card span{color:#65717c;font-size:14px}.article-sidebar{position:sticky;top:102px}.toc-card{background:#f7f9fb;border:1px solid #e3e7eb;border-radius:15px;padding:22px}.toc-card>strong{display:block;margin-bottom:12px}.toc-card nav{display:grid}.toc-card a{padding:9px 0;border-bottom:1px solid #e4e8eb;color:#59636e;font-size:14px}.toc-card a:last-child{border-bottom:0}.toc-card a:hover{color:#d20a11}.source-list{list-style:none!important;padding:0!important}.source-list li{border:1px solid #e3e7eb;border-radius:10px;margin:0 0 9px!important}.source-list a{display:block;padding:12px 14px;text-decoration:none!important}.editorial-note{background:#fff8e8;border:1px solid #f1ddb2;border-radius:13px;padding:18px 20px;font-size:14px;color:#66552f}.related-section{padding:70px 0}.bank-directory{display:grid;gap:12px;margin-top:24px}.bank-row{display:grid;grid-template-columns:1.3fr .9fr 1.1fr .7fr;gap:16px;align-items:center;padding:17px 18px;border:1px solid #e3e7eb;border-radius:12px;background:#fff}.bank-row.header{background:#f7f9fb;font-size:12px;text-transform:uppercase;letter-spacing:.6px;font-weight:850;color:#65717c}.bank-row strong{font-size:15px}.bank-row span{font-size:14px;color:#65717c}.bank-row a{color:#b9080e;font-weight:750;font-size:14px;text-align:right}.filter-bar{display:flex;flex-wrap:wrap;gap:9px;margin:22px 0}.filter-btn{border:1px solid #d7dde2;background:#fff;border-radius:50px;padding:9px 14px;font-weight:700;cursor:pointer;color:#4e5963}.filter-btn.active,.filter-btn:hover{background:#111820;color:#fff;border-color:#111820}.method-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.method-card{border:1px solid #e4e8eb;border-radius:15px;padding:24px}.method-card b{display:block;color:#d20a11;font-size:12px;text-transform:uppercase;letter-spacing:.8px;margin-bottom:7px}.method-card h3{margin:0 0 8px}.method-card p{margin:0;color:#65717c;font-size:14px}
.site-footer{background:#0c1117;color:#aeb6bf;padding:55px 0 30px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:44px;margin-bottom:42px}.footer-logo{color:#fff;margin-bottom:13px}.footer-about{max-width:400px;font-size:14px;margin:0 0 10px}.footer-updated{font-size:12px;color:#7f8992}.site-footer h4{color:#fff;font-size:15px;margin:0 0 14px}.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin-bottom:8px;font-size:14px}.site-footer a:hover{color:#fff}.footer-bottom{border-top:1px solid #262d35;padding-top:24px;font-size:12px;color:#7e8791}.footer-link-button{appearance:none;border:0;padding:0;background:transparent;color:inherit;cursor:pointer;text-align:left}.footer-link-button:hover{color:#fff}.cookie-banner[hidden]{display:none!important}.cookie-banner{position:fixed;left:0;right:0;bottom:0;z-index:5000;padding:18px;background:rgba(12,17,23,.98);color:#eef2f5;border-top:1px solid #2b333d;box-shadow:0 -18px 45px rgba(0,0,0,.22)}.cookie-inner{width:min(1180px,100%);margin:0 auto;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}.cookie-copy strong{display:block;color:#fff;font-size:17px;margin-bottom:5px}.cookie-copy p{margin:0;color:#c5ccd3;font-size:14px;line-height:1.55;max-width:780px}.cookie-copy a{color:#fff;text-decoration:underline}.cookie-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}.cookie-btn{min-height:44px;padding:10px 16px;border-radius:8px;border:1px solid #65717c;background:#fff;color:#111820;font-weight:750;cursor:pointer}.cookie-btn-primary{background:#d20a11;border-color:#d20a11;color:#fff}
@media(max-width:980px){.menu-toggle{display:block}.nav{flex-wrap:wrap}.nav-links{display:none;width:100%;padding:0 0 17px;flex-direction:column;align-items:stretch;gap:4px}.nav-links.open{display:flex}.nav-links a{padding:10px 4px}.nav-button{text-align:center;margin-top:4px}.hero-grid,.info-grid,.article-layout{grid-template-columns:1fr}.hero-grid{gap:45px}.article-sidebar{position:static;order:-1}.toc-card nav{grid-template-columns:repeat(2,1fr);gap:0 18px}.category-grid,.guide-grid,.method-grid{grid-template-columns:repeat(2,1fr)}.trust-row{grid-template-columns:1fr 1fr}.cta{grid-template-columns:1fr;padding:44px 36px}.footer-grid{grid-template-columns:1fr 1fr}.bank-row{grid-template-columns:1.1fr .8fr 1fr}.bank-row>*:last-child{grid-column:1/-1;text-align:left}.bank-row.header>*:last-child{display:none}}
@media(max-width:680px){section{padding:66px 0}.hero{padding:70px 0}.hero-grid{gap:36px}h1{letter-spacing:-1.4px}.category-grid,.guide-grid,.method-grid,.trust-row,.footer-grid,.fact-grid{grid-template-columns:1fr}.bank-card{padding:28px}.hero-buttons .btn{width:100%}.cta{padding:36px 25px}.quick-table{display:block;overflow-x:auto}.article-section{padding:46px 0}.content-block h2{font-size:27px}.article-hero{padding:48px 0}.toc-card nav{grid-template-columns:1fr}.cookie-inner{grid-template-columns:1fr}.cookie-actions{justify-content:stretch}.cookie-btn{flex:1 1 160px}.bank-row,.bank-row.header{grid-template-columns:1fr}.bank-row.header{display:none}.bank-row>*:last-child{grid-column:auto}.footer-grid{gap:28px}}

.content-block{scroll-margin-top:110px}.toc-card{box-shadow:0 10px 28px rgba(17,24,32,.04)}.toc-card>strong:before{content:"☰";margin-right:8px;color:#d20a11}.answer-box{background:#fff5f5;border:1px solid #f0cfd1;border-left:4px solid #d20a11;border-radius:14px;padding:20px 22px;margin:0 0 24px}.answer-box strong{display:block;margin-bottom:6px;color:#111820}.answer-box p{margin:0;color:#4f5a65}.fee-calculator{background:#f7f9fb;border:1px solid #e3e7eb;border-radius:16px;padding:24px;margin:24px 0}.fee-calculator h3{margin:0 0 8px}.fee-calculator>p{margin-bottom:20px}.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.calc-field label{display:block;font-size:13px;font-weight:800;color:#4e5963;margin-bottom:6px}.calc-field input{width:100%;padding:12px 13px;border:1px solid #cfd6dc;border-radius:9px;background:#fff;color:#111820;font:inherit}.calc-result{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:18px}.calc-result div{background:#fff;border:1px solid #e1e6ea;border-radius:12px;padding:16px}.calc-result strong{display:block;font-size:22px;color:#111820}.calc-result span{font-size:13px;color:#65717c}.calc-note{font-size:12px!important;color:#747e88!important;margin:14px 0 0!important}.comparison-steps{counter-reset:step;display:grid;gap:12px;margin:20px 0}.comparison-step{counter-increment:step;display:grid;grid-template-columns:38px 1fr;gap:12px;align-items:start}.comparison-step:before{content:counter(step);width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#111820;color:#fff;font-weight:800;font-size:13px}.comparison-step strong{display:block;margin-bottom:3px}.comparison-step span{color:#65717c;font-size:14px}@media(max-width:680px){.calc-grid,.calc-result{grid-template-columns:1fr}}


/* Partner-/Affiliate-CTAs */
.partner-cta{margin:26px 0;background:#111820;color:#fff;border-radius:18px;padding:24px 26px;border:1px solid #202a35;box-shadow:0 12px 30px rgba(17,24,32,.08)}
.partner-cta-label{display:inline-flex;align-items:center;margin-bottom:10px;font-size:11px;font-weight:850;text-transform:uppercase;letter-spacing:.8px;color:#ffb5b8}
.partner-cta-grid{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:24px;align-items:center}
.partner-cta h3{margin:0 0 8px!important;color:#fff;font-size:22px!important}
.partner-cta p{margin:0;color:#c7cfd6!important}
.partner-cta-button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:11px 18px;border-radius:9px;background:#fff;color:#111820!important;font-weight:800;text-decoration:none!important;white-space:nowrap}
.partner-cta-button:hover{transform:translateY(-1px)}
.partner-disclosure{margin-top:13px!important;padding-top:12px;border-top:1px solid #2d3742;color:#98a4af!important;font-size:12px!important;line-height:1.5}
@media(max-width:680px){.partner-cta-grid{grid-template-columns:1fr}.partner-cta-button{width:100%}}

/* Vergleichs-Hub: Auswahl nach Suchintention */
.intent-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:22px 0 8px}
.intent-card{display:flex;flex-direction:column;min-height:220px;padding:24px;border:1px solid #e0e5e9;border-radius:16px;background:#fff;color:#111820;text-decoration:none;box-shadow:0 9px 25px rgba(17,24,32,.04);transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}
.intent-card:hover{transform:translateY(-2px);border-color:#c9d0d6;box-shadow:0 14px 30px rgba(17,24,32,.07)}
.intent-kicker{display:inline-block;margin-bottom:10px;color:#d20a11;font-size:11px;font-weight:850;text-transform:uppercase;letter-spacing:.8px}
.intent-card strong{font-size:20px;line-height:1.25;margin-bottom:9px}
.intent-card p{margin:0 0 18px;color:#65717c;font-size:14px;line-height:1.55}
.intent-card b{margin-top:auto;font-size:14px;color:#111820}
@media(max-width:680px){.intent-grid{grid-template-columns:1fr}.intent-card{min-height:0}}