:root{
  --helm-blue:#075d9c;
  --helm-blue-dark:#083552;
  --helm-teal:#075c55;
  --helm-teal-dark:#043b39;
  --helm-green:#a8cf38;
  --helm-lime:#d8f49a;
  --helm-coral:#f27555;
  --helm-cream:#f6f3e9;
  --helm-paper:#fffdf8;
  --helm-ink:#142a32;
  --helm-muted:#5d6f73;
  --helm-line:rgba(20,42,50,.14);
  --helm-white:#fff;
  --radius-sm:14px;
  --radius-md:24px;
  --radius-lg:38px;
  --shadow:0 24px 70px rgba(4,59,57,.13);
  --shadow-sm:0 12px 34px rgba(4,59,57,.09);
  --wrap:1220px;
  --font:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --display:"Arial Black",Impact,Inter,ui-sans-serif,system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:105px}
body{margin:0;background:var(--helm-paper);color:var(--helm-ink);font:16px/1.65 var(--font);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto}
a{color:inherit}
button,input,textarea,select{font:inherit}
.skip{position:fixed;left:12px;top:-80px;z-index:1000;background:#fff;padding:12px 18px;border-radius:10px;box-shadow:var(--shadow-sm)}
.skip:focus{top:12px}
.wrap{width:min(calc(100% - 40px),var(--wrap));margin-inline:auto}
.site-top{background:var(--helm-teal-dark);color:#fff;font-size:.82rem}
.site-top .wrap{display:flex;justify-content:space-between;gap:18px;padding:8px 0}
.site-top a{text-decoration:none}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,253,248,.94);backdrop-filter:blur(18px);border-bottom:1px solid var(--helm-line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:26px;min-height:86px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex:0 0 auto}
.brand img{width:205px;height:auto;display:block}
.brand-word{font-weight:900;line-height:1.04;font-size:1rem}.brand-word small{display:block;font-size:.68rem;font-weight:700;color:var(--helm-muted);margin-top:4px;letter-spacing:.04em}
.nav-toggle{display:none;border:0;border-radius:999px;background:var(--helm-teal);color:#fff;padding:10px 15px;font-weight:800;cursor:pointer}
.main-nav{display:flex;align-items:center;justify-content:flex-end;gap:5px;flex-wrap:wrap}
.main-nav a{position:relative;text-decoration:none;padding:10px 9px;border-radius:999px;font-size:.82rem;font-weight:800;white-space:nowrap}
.main-nav a:hover,.main-nav a:focus-visible{background:var(--helm-cream);outline:none}
.main-nav a[aria-current="page"]{background:var(--helm-teal);color:#fff}
.main-nav .nav-cta{background:var(--helm-green);color:var(--helm-teal-dark)}
.main-nav .nav-cta:hover{background:var(--helm-lime)}
.hero{position:relative;overflow:hidden;padding:82px 0 52px;background:
 radial-gradient(circle at 84% 14%,rgba(216,244,154,.88) 0 13%,transparent 13.3%),
 radial-gradient(circle at 97% 42%,rgba(242,117,85,.20) 0 16%,transparent 16.3%),
 linear-gradient(135deg,#fffdf8 0%,#eef8ef 54%,#dfeeea 100%)}
.hero::after{content:"";position:absolute;width:340px;height:340px;border:2px solid rgba(7,92,85,.15);border-radius:45% 55% 58% 42%;right:-150px;bottom:-210px;transform:rotate(18deg)}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.1fr) minmax(340px,.9fr);align-items:center;gap:64px}
.eyebrow{display:inline-flex;align-items:center;gap:9px;margin-bottom:17px;color:var(--helm-teal);font-size:.76rem;font-weight:900;letter-spacing:.13em;text-transform:uppercase}
.eyebrow::before{content:"";width:28px;height:3px;border-radius:99px;background:var(--helm-green)}
.eyebrow.light{color:#e4ffd1}.eyebrow.light::before{background:var(--helm-green)}
h1,h2,h3{line-height:1.08;margin:0;text-wrap:balance}
h1,h2{font-family:var(--display);letter-spacing:-.035em}
h1{font-size:clamp(3.05rem,7vw,6.55rem);max-width:900px}
h1 .accent{color:var(--helm-teal);position:relative;display:inline-block}
h1 .accent::after{content:"";position:absolute;left:1%;right:-1%;bottom:.06em;height:.15em;background:var(--helm-green);z-index:-1;border-radius:99px;transform:rotate(-1deg)}
.hero p.lead{font-size:clamp(1.05rem,1.6vw,1.28rem);max-width:720px;color:var(--helm-muted);margin:25px 0 0}
.actions,.cta-row{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:30px}
.btn,.button{display:inline-flex;align-items:center;justify-content:center;min-height:49px;padding:11px 20px;border-radius:999px;border:2px solid transparent;text-decoration:none;font-weight:900;transition:.18s ease;cursor:pointer}
.btn.primary,.button.primary,.btn:not(.alt){background:var(--helm-teal);color:#fff}.btn.primary:hover,.button.primary:hover,.btn:not(.alt):hover{transform:translateY(-2px);background:var(--helm-teal-dark)}
.btn.alt,.button.secondary{border-color:var(--helm-teal);color:var(--helm-teal);background:transparent}.btn.alt:hover,.button.secondary:hover{background:var(--helm-teal);color:#fff}
.text-link,.more{font-weight:900;color:var(--helm-teal);text-decoration:none;border-bottom:2px solid var(--helm-green)}
.hero-art{position:relative;min-height:470px;display:grid;place-items:center}
.hero-art img{width:min(100%,560px);filter:drop-shadow(0 28px 35px rgba(4,59,57,.17))}
.hero-note,.heroCard{position:absolute;left:-20px;bottom:15px;width:min(390px,88%);background:#fff;border-radius:var(--radius-md);padding:24px 26px;box-shadow:var(--shadow);border:1px solid rgba(7,92,85,.12);transform:none!important}
.hero-note strong,.heroCard strong{display:block;font-size:1.22rem;margin-bottom:6px}.heroCard ul{margin:12px 0 0;padding-left:18px}.heroCard li{margin:5px 0;color:var(--helm-muted)}
.proof-band,.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);margin-top:42px;background:var(--helm-teal-dark);color:#fff;border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--shadow-sm)}
.proof-band>div,.trust .wrap>div{padding:23px 25px;border-right:1px solid rgba(255,255,255,.14)}.proof-band>div:last-child,.trust .wrap>div:last-child{border:0}
.proof-band strong,.trust strong{display:block;color:var(--helm-lime);font-size:1.35rem;line-height:1.1}.proof-band span,.trust div{font-size:.84rem}
.section,.block{padding:88px 0}.section.compact{padding:58px 0}.section.tint,.section-tint{background:var(--helm-cream)}.section.dark,.process{background:var(--helm-teal-dark);color:#fff}
.section-head{display:grid;grid-template-columns:1.15fr .85fr;align-items:end;gap:50px;margin-bottom:34px}.section-head p{color:var(--helm-muted);margin:0}.section h2,.block h2,.page-title{font-size:clamp(2.25rem,4.4vw,4.35rem);max-width:900px}.section h3,.block h3{font-size:1.35rem}
.intro,.page-intro{font-size:1.08rem;color:var(--helm-muted);max-width:790px;margin:20px 0 0}
.portal-grid,.path-grid,.cards,.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}
.portal-card,.path,.card,.benefit{position:relative;display:block;min-height:265px;padding:28px;border-radius:var(--radius-md);border:1px solid var(--helm-line);background:#fff;text-decoration:none;overflow:hidden;box-shadow:0 1px 0 rgba(255,255,255,.8) inset;transition:.2s ease}
.portal-card:hover,.path:hover,.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-sm);border-color:rgba(7,92,85,.3)}
.portal-card::after,.path::after{content:"";position:absolute;width:105px;height:105px;border-radius:50%;right:-35px;bottom:-35px;background:var(--card-accent,var(--helm-lime));opacity:.75}
.portal-card .num,.path>span,.card .num{font-size:.77rem;font-weight:900;letter-spacing:.12em;color:var(--helm-teal);text-transform:uppercase}
.portal-card h3,.path h3,.card h3{margin-top:38px;font-size:1.55rem}.portal-card p,.path p,.card p,.benefit p{color:var(--helm-muted);margin:13px 0 0}
.portal-card .arrow{position:absolute;right:25px;top:25px;width:39px;height:39px;border-radius:50%;display:grid;place-items:center;background:var(--helm-cream);font-weight:900}
.portal-card:nth-child(1){--card-accent:#d7edff}.portal-card:nth-child(2){--card-accent:var(--helm-lime)}.portal-card:nth-child(3){--card-accent:#ffe1d8}.portal-card:nth-child(4){--card-accent:#cde9e6}
.statement{padding:58px 0;background:linear-gradient(120deg,#cde9e6 0%,#d8f49a 100%);color:var(--helm-teal-dark);border-top:1px solid rgba(7,92,85,.08);border-bottom:1px solid rgba(7,92,85,.10)}.statement p{font-family:var(--display);font-size:clamp(1.75rem,4vw,3.75rem);line-height:1.12;letter-spacing:-.025em;margin:0}
.process-line{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:40px;border:1px solid rgba(255,255,255,.16);border-radius:var(--radius-md);overflow:hidden}.process-line article{padding:30px;border-right:1px solid rgba(255,255,255,.16)}.process-line article:last-child{border:0}.process-line b{color:var(--helm-lime);font-size:.83rem}.process-line h3{margin:22px 0 10px}.process-line p{color:rgba(255,255,255,.74);margin:0}
.evidence-grid,.case-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:32px}.evidence-grid article,.case-card{padding:30px;border-radius:var(--radius-md);background:var(--helm-cream);border:1px solid var(--helm-line)}.evidence-grid strong,.case-number{display:block;font-family:var(--display);font-size:clamp(2rem,4vw,3.65rem);color:var(--helm-teal);line-height:1}.evidence-grid span,.case-card p{display:block;color:var(--helm-muted);margin-top:13px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.feature,.warning,.notice,.callout{padding:28px 30px;border-radius:var(--radius-md);background:#fff;border:1px solid var(--helm-line);box-shadow:var(--shadow-sm)}.quote,blockquote.quote{font-family:var(--display);font-size:clamp(1.6rem,3vw,2.55rem);line-height:1.18;color:var(--helm-teal);margin:0 0 20px}
.contact-wave,.cta{padding:78px 0;background:var(--helm-blue-dark);color:#fff}.contact-wave-grid,.ctaGrid{display:grid;grid-template-columns:1fr .9fr;gap:55px;align-items:center}.contact-box{display:grid;grid-template-columns:110px 1fr;gap:22px;align-items:center;background:#fff;color:var(--helm-ink);padding:22px;border-radius:var(--radius-md)}.portrait img{display:block;width:110px;height:120px;object-fit:cover;border-radius:18px}.contact-box a{color:var(--helm-teal);font-weight:800}
.pageHero{position:relative;overflow:hidden;padding:70px 0 56px;background:linear-gradient(135deg,#eef8ef,#fffdf8)}.pageHero::before{content:"";position:absolute;width:330px;height:330px;border-radius:50%;background:var(--helm-lime);opacity:.45;right:-115px;top:-155px}.pageHero .wrap{position:relative}.pageHero h1{font-size:clamp(2.8rem,6vw,5.75rem);max-width:950px}.pageHero p{font-size:1.12rem;color:var(--helm-muted);max-width:820px}.breadcrumb{font-size:.82rem;color:var(--helm-muted);margin-bottom:16px}.breadcrumb a{text-decoration:none}
.article{max-width:900px}.article h2,.legal-text h2{font-family:var(--display);font-size:clamp(1.8rem,3.5vw,2.85rem);margin:52px 0 16px}.article h3,.legal-text h3{margin:34px 0 10px}.article p,.article li,.legal-text p,.legal-text li{color:var(--helm-muted)}.article ul,.legal-text ul{padding-left:22px}.article li{margin:8px 0}.toc{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:42px;padding:19px;border-radius:var(--radius-md);background:var(--helm-cream)}.toc strong{width:100%;margin-bottom:5px}.toc a{text-decoration:none;background:#fff;border:1px solid var(--helm-line);border-radius:999px;padding:7px 12px;font-size:.82rem;font-weight:800}
.team-grid{display:grid;grid-template-columns:repeat(12,1fr);gap:20px;margin-top:38px}
.team-card{position:relative;grid-column:span 6;display:grid;grid-template-columns:178px 1fr;align-items:start;gap:0;background:#fff;border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--helm-line);box-shadow:var(--shadow-sm)}
.team-card:nth-child(1){grid-column:span 7}.team-card:nth-child(2){grid-column:span 5}.team-card:nth-child(3){grid-column:span 5}.team-card:nth-child(4){grid-column:span 7}
.team-photo{min-height:0;background:transparent;padding:26px 0 26px 26px}
.team-photo img{width:150px;height:188px;min-height:0;object-fit:cover;object-position:center top;display:block;border-radius:22px;box-shadow:0 12px 28px rgba(4,59,57,.12);border:1px solid rgba(7,92,85,.12)}
.team-copy{padding:27px 28px 27px 24px}.team-copy h3{font-size:1.65rem}.team-copy .role{color:var(--helm-teal);font-weight:900;margin:6px 0 16px}.team-copy p,.team-copy li{color:var(--helm-muted);font-size:.92rem}.team-copy ul{padding-left:18px}.team-contact{font-size:.86rem;margin-top:16px}.team-contact a{color:var(--helm-teal);font-weight:800}.personal{font-style:italic;background:var(--helm-cream);padding:12px 14px;border-radius:12px}
.download-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:30px}.download-item{display:grid;grid-template-columns:54px 1fr auto;gap:18px;align-items:center;padding:22px;border-radius:var(--radius-md);background:#fff;border:1px solid var(--helm-line)}.download-item .badge{width:54px;height:54px;border-radius:17px;background:var(--helm-teal);color:#fff;display:grid;place-items:center;font-size:.72rem;font-weight:900}.download-item h3{font-size:1.12rem}.download-item p{font-size:.88rem;color:var(--helm-muted);margin:5px 0}.dl-link{font-weight:900;color:var(--helm-teal);text-decoration:none}.pending{opacity:.65}
.faq{margin-top:28px}.faq details{border-top:1px solid var(--helm-line);padding:20px 2px}.faq summary{cursor:pointer;font-weight:900;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";float:right;color:var(--helm-teal);font-size:1.3rem}.faq details[open] summary::after{content:"–"}.faq p{color:var(--helm-muted)}
.site-footer{padding:58px 0 25px;background:#092d35;color:#fff}.footer-grid,.footerGrid{display:grid;grid-template-columns:1.35fr 1fr 1fr;gap:40px}.site-footer h3{font-size:1.45rem}.site-footer p,.site-footer a{color:rgba(255,255,255,.72)}.site-footer a{text-decoration:none}.site-footer a:hover{color:#fff}.footer-links{display:grid;gap:7px}.footer-bottom,.legal{margin-top:36px;padding-top:22px;border-top:1px solid rgba(255,255,255,.14);font-size:.78rem;color:rgba(255,255,255,.55)}
.simple-page{padding:70px 0 90px}.legal-text{max-width:900px}.legal-text a{color:var(--helm-teal)}
.logo-lockup{background:#fff;padding:14px;border-radius:18px;display:inline-flex}.theme-motorsport{--helm-teal:#174b42;--helm-teal-dark:#092e2d;--helm-green:#d0f151;--helm-lime:#e5f8a8;--helm-coral:#ff7659;--helm-blue-dark:#172b32}
.theme-motorsport .hero{background:radial-gradient(circle at 90% 12%,rgba(208,241,81,.8) 0 13%,transparent 13.3%),linear-gradient(135deg,#fffdf8 0%,#e9f2eb 100%)}
.theme-motorsport .hero-grid{grid-template-columns:1.05fr .95fr}.theme-motorsport .hero-art{min-height:500px}.theme-motorsport .heroCard{position:static;width:auto;max-width:510px;margin:0 auto;transform:none!important;border-top:9px solid var(--helm-coral)}
.theme-motorsport .heroCard::before{content:"";display:block;height:170px;margin:-2px -2px 24px;background:url('track.svg') center/cover no-repeat;border-radius:18px}.theme-motorsport .heroCard strong{font-size:1.65rem}.theme-motorsport .trust{background:var(--helm-paper);padding-bottom:20px}.theme-motorsport .trust .wrap{margin-top:-24px;position:relative;z-index:3}
.theme-motorsport .section.dark .card{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.15)}.theme-motorsport .section.dark .card p{color:rgba(255,255,255,.75)}
@media(max-width:1100px){.header-inner{align-items:flex-start;padding:14px 0}.main-nav{max-width:770px}.portal-grid,.path-grid,.cards,.benefit-grid{grid-template-columns:repeat(2,1fr)}.hero-grid{gap:35px}.team-card,.team-card:nth-child(n){grid-column:span 6;grid-template-columns:148px 1fr}.team-photo{min-height:0;padding:22px 0 22px 22px}.team-photo img{width:124px;height:156px;min-height:0}}
@media(max-width:860px){html{scroll-padding-top:78px}.site-top{display:none}.header-inner{min-height:72px;align-items:center}.brand img{width:178px}.nav-toggle{display:inline-flex}.main-nav{display:none;position:absolute;left:20px;right:20px;top:76px;padding:13px;background:#fff;border:1px solid var(--helm-line);border-radius:20px;box-shadow:var(--shadow);align-items:stretch;flex-direction:column}.main-nav.open{display:flex}.main-nav a{padding:11px 13px}.hero{padding-top:55px}.hero-grid,.section-head,.split,.contact-wave-grid,.ctaGrid{grid-template-columns:1fr}.hero-art{min-height:420px}.proof-band,.trust .wrap{grid-template-columns:repeat(2,1fr)}.proof-band>div:nth-child(2),.trust .wrap>div:nth-child(2){border-right:0}.proof-band>div:nth-child(-n+2),.trust .wrap>div:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.14)}.process-line{grid-template-columns:repeat(2,1fr)}.process-line article:nth-child(2){border-right:0}.process-line article:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.16)}.evidence-grid,.case-grid{grid-template-columns:1fr}.footer-grid,.footerGrid{grid-template-columns:1fr 1fr}.team-card,.team-card:nth-child(n){grid-column:span 12}}
@media(max-width:620px){.wrap{width:min(calc(100% - 28px),var(--wrap))}.hero{padding:45px 0}.hero-grid{gap:18px}h1{font-size:clamp(2.75rem,15vw,4.25rem)}.hero-art{min-height:390px}.hero-note{left:0;bottom:0}.proof-band,.trust .wrap,.portal-grid,.path-grid,.cards,.benefit-grid,.process-line,.download-grid{grid-template-columns:1fr}.proof-band>div,.trust .wrap>div{border-right:0;border-bottom:1px solid rgba(255,255,255,.14)}.proof-band>div:last-child,.trust .wrap>div:last-child{border-bottom:0}.process-line article{border-right:0;border-bottom:1px solid rgba(255,255,255,.16)}.section,.block{padding:65px 0}.team-card{grid-template-columns:1fr}.team-photo{padding:24px 24px 0;display:flex;justify-content:center}.team-photo img{width:168px;height:205px;min-height:0}.download-item{grid-template-columns:48px 1fr}.download-item .dl-link{grid-column:2}.footer-grid,.footerGrid{grid-template-columns:1fr}.contact-box{grid-template-columns:85px 1fr}.portrait img{width:85px;height:96px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}


/* July 2026 refinements */
.footer-regulatory{display:inline-block;margin-top:7px;color:rgba(255,255,255,.72);font-size:.78rem}
.location-section{padding:78px 0;background:#eef8f5;border-top:1px solid var(--helm-line)}
.location-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(460px,1.2fr);gap:42px;align-items:center}
.location-details{display:grid;gap:14px;margin-top:24px}
.location-detail{display:grid;grid-template-columns:42px 1fr;gap:13px;align-items:start}
.location-icon{width:42px;height:42px;border-radius:14px;background:var(--helm-lime);display:grid;place-items:center;font-weight:950;color:var(--helm-teal-dark)}
.location-detail strong{display:block}.location-detail span{color:var(--helm-muted);font-size:.94rem}
.map-consent{position:relative;min-height:410px;border-radius:var(--radius-lg);overflow:hidden;background:#dfeeea;border:1px solid rgba(7,92,85,.17);box-shadow:var(--shadow-sm)}
.map-consent>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.map-overlay{position:absolute;inset:0;display:grid;place-items:center;padding:26px;background:linear-gradient(180deg,rgba(4,59,57,.12),rgba(4,59,57,.46))}
.map-consent-box{max-width:470px;background:rgba(255,253,248,.97);border:1px solid rgba(255,255,255,.8);border-radius:24px;padding:24px;box-shadow:var(--shadow);text-align:left}
.map-consent-box h3{margin-bottom:10px}.map-consent-box p{color:var(--helm-muted);font-size:.91rem;margin:0}
.map-consent-box .actions{margin-top:18px}
.map-frame{width:100%;height:410px;border:0;display:block}
.map-note{font-size:.8rem;color:var(--helm-muted);margin-top:12px}
.legal-layout{display:grid;gap:24px;max-width:1050px}
.legal-panel{background:#fff;border:1px solid var(--helm-line);border-radius:var(--radius-md);padding:30px;box-shadow:var(--shadow-sm)}
.legal-panel h2{margin:0 0 22px;font-size:clamp(1.55rem,3vw,2.4rem)}
.legal-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.legal-card{padding:18px 20px;border-radius:18px;background:var(--helm-cream);border:1px solid rgba(7,92,85,.10)}
.legal-card .k{display:block;font-size:.72rem;font-weight:950;letter-spacing:.11em;text-transform:uppercase;color:var(--helm-teal);margin-bottom:6px}
.legal-card .v{font-weight:750;color:var(--helm-ink)}
.legal-links{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:18px}
.legal-links a{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:14px 16px;border-radius:16px;background:#eef8f5;border:1px solid rgba(7,92,85,.12);text-decoration:none;font-weight:850}
.legal-links a::after{content:'↗';font-weight:950}
.legal-note{padding:18px 20px;border-left:5px solid var(--helm-green);background:#f4fae6;border-radius:0 16px 16px 0;color:var(--helm-muted)}
.legal-list-clean{margin:0;padding-left:20px}.legal-list-clean li{margin:8px 0}
@media(max-width:860px){.location-grid,.legal-grid,.legal-links{grid-template-columns:1fr}.map-consent{min-height:360px}.map-frame{height:360px}}
@media(max-width:620px){.location-section{padding:60px 0}.map-consent{min-height:330px}.map-frame{height:330px}.map-consent-box{padding:20px}.legal-panel{padding:22px}}
/* ==========================================================
   HELM PORTALFAMILIE – DESIGNANGLEICHUNG AN BETRIEBSVERSICHERUNGEN.CC
   Lokale Systemschriften · keine externen Ressourcen
   ========================================================== */
:root{
  --ink:#10252a!important;
  --muted:#597077!important;
  --line:#dbe5e6!important;
  --surface:#ffffff!important;
  --soft:#f3f7f7!important;
  --primary:#075f69!important;
  --primary-2:#0b7c7e!important;
  --dark:#082f35!important;
  --accent:#d9ff6f!important;
  --accent-dark:#183f32!important;
  --radius:22px!important;
  --shadow:0 18px 50px rgba(12,55,60,.10)!important;
  --container:1240px!important;
  --helm-blue:#075f69!important;
  --helm-blue-dark:#082f35!important;
  --helm-teal:#075f69!important;
  --helm-teal-dark:#082f35!important;
  --helm-green:#d9ff6f!important;
  --helm-lime:#d9ff6f!important;
  --helm-coral:#d9ff6f!important;
  --helm-cream:#f3f7f7!important;
  --helm-paper:#ffffff!important;
  --helm-ink:#10252a!important;
  --helm-muted:#597077!important;
  --helm-line:#dbe5e6!important;
  --teal:#075f69!important;
  --teal-dark:#082f35!important;
  --green:#d9ff6f!important;
  --lime:#d9ff6f!important;
  --coral:#d9ff6f!important;
  --cream:#f3f7f7!important;
  --paper:#fff!important;
  --blue-dark:#082f35!important;
  --wrap:1240px!important;
  --radius-sm:14px!important;
  --radius-md:22px!important;
  --radius-lg:28px!important;
  --shadow-sm:0 12px 34px rgba(12,55,60,.08)!important;
  --font:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif!important;
  --display:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif!important;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:100px}
body{margin:0;background:#fff!important;color:#10252a!important;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif!important;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{max-width:100%;height:auto;display:block}
.wrap,.container{width:min(calc(100% - 40px),1240px)!important;margin-inline:auto}
.skip,.skip-link{position:fixed;top:10px;left:10px;z-index:9999;padding:.7rem 1rem;background:#fff;color:#000;border-radius:8px;transform:translateY(-150%)}
.skip:focus,.skip-link:focus{transform:none;top:10px}

/* Kopfbereich */
.site-top,.top{background:#061f24!important;color:#dce9ea!important;font-size:.82rem}
.site-top .wrap,.top .wrap{display:flex;justify-content:space-between;gap:18px;padding:8px 0}
.site-top a,.top a{text-decoration:none;color:#fff}
.site-header,.nav{position:sticky!important;top:0;z-index:1000;background:rgba(255,255,255,.94)!important;backdrop-filter:blur(16px);border-bottom:1px solid rgba(219,229,230,.86)!important;box-shadow:none!important}
.header-inner,.navin{min-height:88px!important;display:flex;align-items:center;justify-content:space-between;gap:28px;padding:0!important}
.brand{flex:0 1 410px;text-decoration:none;color:#10252a!important}
.brand img{width:min(100%,330px)!important;max-height:74px;object-fit:contain;object-position:left center}
.brandmark{width:52px;height:52px;display:grid;place-items:center;border-radius:50%;background:#075f69!important;color:#d9ff6f!important;font-weight:900;font-size:1.35rem;flex:0 0 auto}
.nav nav ul,.main-nav{display:flex!important;align-items:center;justify-content:flex-end;gap:22px!important;list-style:none;margin:0;padding:0;font-size:.93rem;font-weight:750;flex-wrap:nowrap!important}
.nav nav a,.main-nav a{display:block;text-decoration:none;padding:12px 0!important;border-radius:0!important;background:transparent!important;color:#10252a!important;white-space:nowrap}
.nav nav a:hover,.nav nav a:focus-visible,.main-nav a:hover,.main-nav a:focus-visible,.main-nav a[aria-current="page"]{color:#0b7c7e!important;background:transparent!important}
.nav nav .btn,.main-nav .nav-cta{padding:12px 18px!important;color:#fff!important;background:#075f69!important;border-radius:999px!important}
.nav-toggle{background:transparent!important;color:#10252a!important;border:0!important;width:46px;height:46px;padding:8px!important;border-radius:8px!important}

/* Typografie */
h1,h2,h3{margin-top:0;line-height:1.08;letter-spacing:-.035em;text-wrap:balance}
h1,h2{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif!important;font-weight:850!important}
h1{font-size:clamp(3.2rem,6.5vw,6.4rem)!important;margin-bottom:26px;max-width:900px}
h2,.section h2,.block h2,.page-title,.pageHero h1,.page-hero h1{font-size:clamp(2.2rem,4.2vw,4.4rem)!important;margin-bottom:22px}
h3,.section h3,.block h3{font-size:1.35rem;margin-bottom:12px}
.eyebrow{display:block!important;margin:0 0 18px!important;color:#0b7c7e!important;font-weight:850!important;letter-spacing:.105em!important;text-transform:uppercase;font-size:.78rem!important}
.eyebrow::before{display:none!important}
.eyebrow.light,.section-dark .eyebrow,.section.dark .eyebrow,.dark .eyebrow{color:#b8d3d3!important}
.lead,.hero p.lead,.hero-lead{font-size:clamp(1.12rem,1.8vw,1.42rem)!important;color:#597077!important;max-width:720px;margin:0 0 32px!important}
.intro,.page-intro,.page-hero p,.pageHero p{color:#597077!important;font-size:1.1rem!important;max-width:840px}

/* Hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#f7fbfa 0%,#eff7f6 48%,#e6f1ef 100%)!important;padding:84px 0 0!important}
.hero::after,.hero::before{display:none!important}
.hero-grid,.heroGrid{display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:60px;position:relative;z-index:1}
.hero .accent,.hero h1 span{color:#0b7c7e!important;position:static!important}
.hero .accent::after,.hero h1 span::after{display:none!important}
.hero-art,.farmart{align-self:end;position:relative;min-height:470px;display:grid;place-items:center}
.hero-art img{width:min(100%,650px)!important;filter:none!important}
.hero-note,.heroCard{position:absolute;left:-20px;bottom:15px;width:min(390px,88%);background:#fff!important;border-radius:22px!important;padding:24px 26px!important;box-shadow:0 18px 50px rgba(12,55,60,.12)!important;border:1px solid #dbe5e6!important;transform:none!important}
.hero-note strong,.heroCard strong{display:block;font-size:1.2rem;margin-bottom:6px}.heroCard ul{margin:12px 0 0;padding-left:18px}.heroCard li{margin:5px 0;color:#597077}
.actions,.button-row,.cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.btn,.button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 22px!important;border-radius:999px!important;text-decoration:none;font-weight:800!important;border:1px solid transparent!important;transition:.2s ease}
.btn:hover,.button:hover{transform:translateY(-2px)}
.btn.primary,.button.primary,.btn:not(.alt),.button-primary{background:#075f69!important;color:#fff!important;box-shadow:0 10px 24px rgba(7,95,105,.20)!important}
.btn.alt,.button.secondary,.button-secondary{border-color:#aabfc1!important;background:rgba(255,255,255,.72)!important;color:#10252a!important}
.btn.alt:hover,.button.secondary:hover,.button-secondary:hover{border-color:#075f69!important;background:#075f69!important;color:#fff!important}
.text-link,.more{font-weight:800;color:#075f69!important;text-decoration:none;border:0!important}

/* Vertrauensleiste */
.proof-band,.trust .wrap{margin-top:48px!important;display:grid;grid-template-columns:repeat(4,1fr);background:#082f35!important;color:#fff!important;border-radius:24px 24px 0 0!important;overflow:hidden;box-shadow:none!important}
.proof-band>div,.trust .wrap>div{padding:25px 28px!important;border-right:1px solid rgba(255,255,255,.11)!important;font-size:.88rem!important}
.proof-band>div:last-child,.trust .wrap>div:last-child{border-right:0!important}
.proof-band strong,.trust strong{display:block;color:#fff!important;font-size:1.08rem!important;margin-bottom:5px;line-height:1.2}
.proof-band span,.trust .wrap>div{color:#b7cbce!important}

/* Abschnitte */
.section,.block{padding:112px 0!important}
.section.compact{padding:70px 0!important}
.section.tint,.section-tint,.downloads{background:#f3f7f7!important}
.section.dark,.section-dark,.process{background:#082f35!important;color:#fff!important}
.section.coral,.statement{background:#d9ff6f!important;color:#183f32!important}
.section-head,.split-heading,.section-heading{display:grid;grid-template-columns:1.1fr .9fr;gap:70px;align-items:end;margin-bottom:50px}
.section-head p,.section-heading>p,.prose-large{color:#597077!important;font-size:1.1rem}
.section.dark .intro,.dark .intro,.section-dark p{color:#bdd0d2!important}
.statement{padding:58px 0!important;border:0!important}
.statement p{font-family:Inter,ui-sans-serif,system-ui,sans-serif!important;font-weight:850;font-size:clamp(1.75rem,4vw,3.75rem)!important;line-height:1.12;margin:0}

/* Karten */
.portal-grid,.path-grid,.cards,.benefit-grid,.grid3{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}
.grid3{grid-template-columns:repeat(3,1fr)}
.portal-card,.path,.card,.benefit,.segment{position:relative;display:block;min-height:265px;padding:30px!important;border-radius:22px!important;border:1px solid #dbe5e6!important;background:#fff!important;text-decoration:none;overflow:hidden;box-shadow:none!important;transition:.2s ease;color:#10252a!important}
.portal-card:hover,.path:hover,.card:hover,.segment:hover{transform:translateY(-5px);box-shadow:0 18px 50px rgba(12,55,60,.10)!important;border-color:#0b7c7e!important}
.portal-card::after,.path::after,.card::after{display:none!important}
.portal-card .num,.path>span,.card .num,.num{font-size:.77rem!important;font-weight:900!important;letter-spacing:.12em;color:#0b7c7e!important;text-transform:uppercase}
.portal-card h3,.path h3,.card h3{margin-top:38px;font-size:1.45rem!important}.portal-card p,.path p,.card p,.benefit p,.segment p{color:#597077!important}
.portal-card .arrow{position:absolute;right:25px;top:25px;width:39px;height:39px;border-radius:50%;display:grid;place-items:center;background:#e5f3f0!important;font-weight:900}
.section.dark .card,.dark .card{background:rgba(255,255,255,.07)!important;border-color:rgba(255,255,255,.12)!important;color:#fff!important;min-height:285px}
.section.dark .card p,.section.dark .card li,.dark .card p,.dark .card li{color:#bdd0d2!important}
.section.dark .card .num,.dark .card .num,.section.dark .card .more,.dark .card .more{color:#d9ff6f!important}
.segments{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}.segment b{font-size:1.2rem}.segment p{margin-bottom:0}
.feature,.warning,.notice,.callout,.source-box{padding:30px!important;border-radius:22px!important;background:#fff!important;border:1px solid #dbe5e6!important;box-shadow:0 18px 50px rgba(12,55,60,.08)!important;color:#10252a!important}
.warning{border-left:7px solid #d9ff6f!important}.notice{border-left:7px solid #0b7c7e!important}.quote,blockquote.quote{font-family:Inter,ui-sans-serif,system-ui,sans-serif!important;font-weight:800;font-size:clamp(1.6rem,3vw,2.55rem);line-height:1.18;color:#075f69!important;margin:0 0 20px}

/* Prozess, Fälle, Downloads, FAQ */
.process-line{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:40px;border:1px solid rgba(255,255,255,.16);border-radius:22px;overflow:hidden}.process-line article{padding:30px;border-right:1px solid rgba(255,255,255,.16)}.process-line article:last-child{border:0}.process-line b{color:#d9ff6f;font-size:.83rem}.process-line p{color:#bdd0d2!important}
.case-grid,.evidence-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:32px}.case,.case-card,.evidence-grid article{padding:32px!important;min-height:360px;background:#fff!important;border-radius:22px!important;border:1px solid #dbe5e6!important;box-shadow:0 15px 40px rgba(30,65,48,.08)!important;color:#10252a!important}.case-no,.case-label{background:#e7f2ef!important;color:#075f69!important}.case p,.case-card p,.evidence-grid span{color:#597077!important}
.download-grid,.downloads{display:grid}.download-grid{grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px}.download-item,.download-card,.download{display:flex;align-items:center;gap:18px;padding:24px!important;text-decoration:none;background:#fff!important;border:1px solid #dbe5e6!important;border-radius:18px!important;transition:.2s;min-height:auto!important;color:#10252a!important}.download-item:hover,.download-card:hover,.download:hover{border-color:#0b7c7e!important;transform:translateY(-3px);box-shadow:0 18px 50px rgba(12,55,60,.10)!important}
.faq details{border:0!important;border-bottom:1px solid #dbe5e6!important;border-radius:0!important;background:transparent!important;margin:0!important;padding:4px 0!important}.faq summary{list-style:none;cursor:pointer;padding:24px 50px 24px 0!important;font-size:1.15rem;font-weight:800;position:relative}.faq details p{color:#597077!important;margin:0 0 24px!important;padding:0!important}

/* Unterseiten */
.pageHero,.page-hero,.pagehero{position:relative;overflow:hidden;padding:72px 0 64px!important;background:linear-gradient(135deg,#f7fbfa,#e6f1ef)!important}
.pageHero::before,.pageHero::after,.page-hero::after,.pagehero::after{display:none!important}
.breadcrumb{font-size:.82rem;color:#597077;margin-bottom:20px}.breadcrumb a{text-decoration:none;font-weight:800;color:#075f69}
.tag{background:#fff!important;border:1px solid #dbe5e6!important}
.legal-text,.article,.legal{max-width:900px}.legal-text h2,.article h2,.legal h2{font-size:2rem!important;margin:42px 0 12px}.legal-text p,.legal-text li,.article p,.article li,.legal p,.legal li{color:#597077!important}
.legal-panel,.legal-card{border-color:#dbe5e6!important;background:#fff!important}.legal-card{background:#f3f7f7!important}.legal-links a{background:#f3f7f7!important;border-color:#dbe5e6!important;color:#075f69!important}

/* Team – kleinere, schärfer wirkende Fotos */
.team-grid,.teamgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin-top:38px}
.team-card,.person{display:grid!important;grid-template-columns:145px 1fr!important;min-height:0!important;background:#fff!important;border:1px solid #dbe5e6!important;border-radius:22px!important;overflow:hidden;box-shadow:none!important;color:#10252a!important}
.team-card:nth-child(n){grid-column:auto!important}.team-photo,.portrait{padding:24px 0 24px 24px!important;background:transparent!important;min-height:0!important}.team-photo img,.portrait img,.avatar img{width:120px!important;height:154px!important;object-fit:cover;object-position:center top;border-radius:16px!important;box-shadow:0 10px 24px rgba(12,55,60,.10)!important}
.team-copy,.content{padding:25px 26px 25px 22px!important}.team-copy h3,.person h3{font-size:1.5rem!important}.role{color:#075f69!important;font-weight:800}.personal{background:#f3f7f7!important}

/* Kontakt, Karte und Footer */
.contact-wave,.cta,.contact-section{padding:100px 0!important;background:#075f69!important;color:#fff!important}
.contact-wave-grid,.ctaGrid,.cta-grid,.contact-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;align-items:center}.cta p,.contact-section p{color:#d4e8e6!important}.cta .btn.primary,.contact-section .button-light{background:#d9ff6f!important;color:#183f32!important;box-shadow:none!important}
.contact-box,.contact-card{background:rgba(255,255,255,.10)!important;color:#fff!important;border:1px solid rgba(255,255,255,.18)!important;border-radius:22px!important;box-shadow:none!important}.contact-box a,.contact-card a{color:#fff!important}.contact-card p{color:#d4e8e6!important}
.location-section{padding:100px 0!important;background:#f3f7f7!important}.map-consent{border-radius:22px!important;border-color:#dbe5e6!important;box-shadow:0 18px 50px rgba(12,55,60,.10)!important}.map-consent-box{border-radius:22px!important;background:rgba(255,255,255,.97)!important}
.site-footer,.footer{background:#061f24!important;color:#fff!important;padding:66px 0 24px!important}.footer-grid,.footerGrid{display:grid;grid-template-columns:1.6fr repeat(2,1fr);gap:45px}.site-footer p,.footer p{color:#9db4b8!important}.site-footer h3,.footer h3{font-size:.82rem!important;letter-spacing:.1em;text-transform:uppercase;color:#d9ff6f!important;margin-bottom:18px}.footer-links a,.footer a{color:#c4d2d4!important;text-decoration:none}.footer-bottom{margin-top:50px;padding-top:20px;border-top:1px solid rgba(255,255,255,.11);color:#81999d!important;font-size:.82rem}

:focus-visible{outline:3px solid #b6e63f;outline-offset:4px}
@media(max-width:1100px){.nav nav ul,.main-nav{gap:14px!important;font-size:.84rem}.portal-grid,.path-grid,.cards,.benefit-grid{grid-template-columns:repeat(2,1fr)}.grid3{grid-template-columns:repeat(2,1fr)}.team-grid,.teamgrid{grid-template-columns:1fr 1fr}.segments{grid-template-columns:repeat(2,1fr)}}
@media(max-width:880px){.site-top .wrap,.top .wrap{display:block;text-align:center}.site-top span,.top span{display:block}.header-inner,.navin{min-height:76px!important}.brand{max-width:310px}.brand img{max-width:260px!important}.nav-toggle{display:block!important}.main-nav{position:absolute!important;left:14px!important;right:14px!important;top:76px!important;display:none!important;flex-direction:column!important;align-items:stretch!important;gap:0!important;padding:12px!important;background:#fff!important;border:1px solid #dbe5e6!important;border-radius:18px!important;box-shadow:0 18px 50px rgba(12,55,60,.10)!important}.main-nav.open,.main-nav.is-open{display:flex!important}.main-nav a{padding:13px 14px!important}.main-nav .nav-cta{text-align:center;margin-top:4px}.nav nav ul{gap:10px!important;flex-wrap:wrap!important}.hero{padding-top:56px!important}.hero-grid,.heroGrid,.section-head,.split-heading,.section-heading,.split,.contact-wave-grid,.ctaGrid,.cta-grid,.contact-grid{grid-template-columns:1fr;gap:35px}.hero-art,.farmart{max-width:560px;margin-inline:auto}.section,.block{padding:78px 0!important}.proof-band,.trust .wrap{grid-template-columns:repeat(2,1fr)}.grid3,.case-grid,.evidence-grid,.download-grid{grid-template-columns:1fr 1fr}.team-grid,.teamgrid{grid-template-columns:1fr}.footer-grid,.footerGrid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.wrap,.container{width:min(calc(100% - 28px),1240px)!important}h1{font-size:clamp(2.65rem,13vw,4rem)!important}h2,.section h2,.block h2,.page-title,.pageHero h1,.page-hero h1{font-size:clamp(2rem,10vw,3rem)!important}.hero{padding:48px 0 0!important}.hero .btn,.hero .button{width:100%}.hero-art,.farmart{min-height:360px}.hero-note,.heroCard{position:relative;left:auto;bottom:auto;margin:10px auto 0;width:100%}.proof-band,.trust .wrap,.portal-grid,.path-grid,.cards,.benefit-grid,.grid3,.segments,.case-grid,.evidence-grid,.download-grid,.process-line,.footer-grid,.footerGrid{grid-template-columns:1fr}.proof-band>div,.trust .wrap>div{border-right:0!important;border-bottom:1px solid rgba(255,255,255,.11)!important}.proof-band>div:last-child,.trust .wrap>div:last-child{border-bottom:0!important}.team-card,.person{grid-template-columns:1fr!important}.team-photo,.portrait{padding:24px 24px 0!important;display:flex;justify-content:center}.team-photo img,.portrait img,.avatar img{width:138px!important;height:174px!important}.footer-bottom{flex-direction:column}.nav nav ul{display:grid!important;grid-template-columns:1fr 1fr;width:100%}.nav nav .btn{grid-column:1/-1;text-align:center}}

/* =========================================================
   PRIVATVERSICHERUNG – eigenständige Fachseite im Betriebsdesign
   ========================================================= */
.private-page{--private-blue:#075d9c;--private-teal:#075c55;--private-lime:#d8f49a;--private-warm:#f5c6b9;--private-soft:#eef6f4}
.private-hero{position:relative;overflow:hidden;padding:78px 0 58px;background:
  radial-gradient(circle at 88% 8%,rgba(216,244,154,.86) 0 10%,transparent 10.3%),
  radial-gradient(circle at 5% 94%,rgba(7,93,156,.09) 0 16%,transparent 16.3%),
  linear-gradient(135deg,#fffdf8 0%,#eef8ef 55%,#dfeeea 100%)}
.private-hero::after{content:"";position:absolute;right:-130px;bottom:-210px;width:390px;height:390px;border:2px solid rgba(7,92,85,.13);border-radius:44% 56% 66% 34%;transform:rotate(14deg)}
.private-hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.02fr) minmax(380px,.98fr);align-items:center;gap:64px}
.private-hero h1{max-width:850px;margin:0 0 24px;font-size:clamp(3.45rem,6.4vw,6.4rem);line-height:.94;letter-spacing:-.055em}
.private-hero .lead{max-width:760px;font-size:1.18rem;color:#4e666b}
.private-hero-art{position:relative;min-height:520px;display:flex;align-items:center;justify-content:center}
.private-hero-art>img{width:min(100%,650px);filter:drop-shadow(0 22px 46px rgba(4,59,57,.08))}
.private-hero-note{position:absolute;right:6%;bottom:3%;max-width:270px;padding:20px 22px;border-radius:18px;background:#fff;border:1px solid #dbe5e6;box-shadow:0 18px 50px rgba(12,55,60,.13)}
.private-hero-note strong,.private-hero-note span{display:block}.private-hero-note strong{font-size:1.05rem;color:#075c55}.private-hero-note span{margin-top:4px;color:#61757a;font-size:.9rem}
.private-hero-points{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:26px;color:#075c55;font-size:.84rem;font-weight:850}
.private-anchor-nav{position:sticky;top:86px;z-index:80;background:rgba(255,253,248,.96);backdrop-filter:blur(14px);border-block:1px solid #dbe5e6}
.private-anchor-nav .wrap{display:flex;gap:6px;overflow:auto;padding-block:10px;scrollbar-width:none}.private-anchor-nav .wrap::-webkit-scrollbar{display:none}
.private-anchor-nav a{flex:0 0 auto;text-decoration:none;font-size:.78rem;font-weight:850;color:#31565b;padding:8px 12px;border-radius:999px}.private-anchor-nav a:hover,.private-anchor-nav a:focus-visible{background:#e9f3f0;color:#075c55;outline:none}
.private-topic-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:40px}
.private-topic-card{position:relative;display:grid;grid-template-columns:64px 1fr;gap:18px;min-height:240px;padding:28px;border:1px solid #dbe5e6;border-radius:24px;background:#fff;text-decoration:none;box-shadow:0 12px 34px rgba(4,59,57,.06);overflow:hidden;transition:transform .22s,border-color .22s,box-shadow .22s}
.private-topic-card::after{content:"";position:absolute;width:150px;height:150px;right:-75px;bottom:-90px;border-radius:50%;background:var(--topic-bg,#eaf4f1)}
.private-topic-card:hover{transform:translateY(-4px);border-color:#93bdb8;box-shadow:0 22px 55px rgba(4,59,57,.11)}
.private-topic-card small{display:block;margin-bottom:5px;color:#718488;font-size:.71rem;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.private-topic-card h3{margin:0 0 10px;font-size:1.47rem;line-height:1.18}.private-topic-card p{margin:0 0 14px;color:#5d7074}.private-topic-card a{position:relative;z-index:1;color:#075c55;font-weight:850;font-size:.88rem;text-decoration:none}
.private-icon{position:relative;z-index:1;display:grid;place-items:center;width:58px;height:58px;border-radius:18px;background:var(--topic-bg,#eaf4f1);color:var(--topic-color,#075c55);font-size:1.8rem;font-weight:950}
.private-topic-card.home{--topic-bg:#e7f2ef}.private-topic-card.health{--topic-bg:#f5ded8;--topic-color:#a53e2a}.private-topic-card.accident{--topic-bg:#e7edf6;--topic-color:#075d9c}.private-topic-card.work{--topic-bg:#edf5cc}.private-topic-card.pension{--topic-bg:#dff1f0}.private-topic-card.family{--topic-bg:#f8e8ec;--topic-color:#b14358}.private-topic-card.legal{--topic-bg:#eee9f7;--topic-color:#5a4385}.private-topic-card.car{--topic-bg:#e3eef7;--topic-color:#075d9c}
.private-feature-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(340px,.9fr);gap:58px;align-items:center}.private-feature-grid.reverse{grid-template-columns:minmax(340px,.9fr) minmax(0,1.1fr)}
.private-risk-cloud,.private-benefits{display:flex;flex-wrap:wrap;gap:9px;margin-top:25px}.private-risk-cloud span,.private-benefits span{padding:8px 12px;border-radius:999px;background:#fff;border:1px solid #dbe5e6;color:#31565b;font-size:.79rem;font-weight:800}
.private-check-card{padding:32px;border-radius:24px;background:#fff;border:1px solid #dbe5e6;box-shadow:0 20px 55px rgba(4,59,57,.10)}
.private-check-card .num{display:inline-block;margin-bottom:12px;color:#075c55;font-size:.73rem;font-weight:900;letter-spacing:.09em;text-transform:uppercase}.private-check-card h3{font-size:1.65rem;margin:0 0 18px}.private-check-card ul{padding-left:20px}.private-check-card li{margin:9px 0;color:#435e63}.private-small{font-size:.86rem;color:#687b80}
.private-two-column{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;margin-top:38px}.private-detail-card{padding:36px;border-radius:26px;background:#fff;border:1px solid #dbe5e6;box-shadow:0 15px 40px rgba(30,65,48,.07)}.private-detail-card h3{font-size:1.8rem;margin:14px 0 13px}.private-detail-card p{color:#597077}.private-detail-icon{display:grid;place-items:center;width:60px;height:60px;border-radius:18px;background:#e7f2ef;color:#075c55;font-size:1.9rem;font-weight:950}
.private-income-section{padding:100px 0;background:#075f69;color:#fff}.private-income-section h2{max-width:980px;color:#fff}.private-income-lead{max-width:850px;color:#d4e8e6;font-size:1.08rem}.private-income-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:42px}.private-income-grid article{padding:30px;border:1px solid rgba(255,255,255,.17);border-radius:22px;background:rgba(255,255,255,.07)}.private-income-grid span{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;background:#d9ff6f;color:#183f32;font-size:.78rem;font-weight:950}.private-income-grid h3{margin:20px 0 10px;color:#fff;font-size:1.48rem}.private-income-grid p{color:#c8dcde;margin-bottom:0}
.legal-card-private{background:linear-gradient(145deg,#fff,#f3f7f7)}.private-callout{display:grid;gap:4px;margin-top:28px;padding:22px 24px;border-left:6px solid #a8cf38;border-radius:0 18px 18px 0;background:#f3f7f7}.private-callout strong{font-size:1.05rem}.private-callout span{color:#5d7074}
.private-kfz-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:36px}.private-kfz-grid article{padding:31px;border-radius:23px;background:#fff;border:1px solid #dbe5e6}.private-kfz-grid h3{margin:12px 0 9px;font-size:1.55rem}.private-kfz-grid p{margin-bottom:0;color:#597077}.private-kfz-label{font-size:.72rem;font-weight:900;letter-spacing:.08em;text-transform:uppercase;color:#075c55}.private-more-risks{display:flex;align-items:flex-start;gap:16px;margin-top:22px;padding:20px 24px;border-radius:18px;background:#e6f1ef}.private-more-risks strong{flex:0 0 auto;color:#075c55}.private-more-risks span{color:#516a6f}
.private-contract-section{overflow:hidden}.private-contract-grid{display:grid;grid-template-columns:minmax(400px,.95fr) minmax(0,1.05fr);gap:70px;align-items:center;margin-top:42px}.private-doc-stack{position:relative;min-height:565px}.private-doc{position:absolute;left:0;right:0;display:flex;align-items:center;gap:15px;padding:20px 24px;border-radius:18px;background:#fff;border:1px solid #dbe5e6;box-shadow:0 14px 34px rgba(4,59,57,.09);transform-origin:left center}.private-doc b{display:grid;place-items:center;flex:0 0 42px;height:42px;border-radius:13px;background:#e7f2ef;color:#075c55;font-size:.75rem}.private-doc span{font-weight:800;line-height:1.3}.private-doc.d1{top:0;transform:rotate(-1.5deg)}.private-doc.d2{top:73px;left:18px;transform:rotate(1deg)}.private-doc.d3{top:146px;left:5px;transform:rotate(-.5deg)}.private-doc.d4{top:219px;left:26px;transform:rotate(1.3deg);padding-block:24px}.private-doc.d5{top:320px;left:8px;transform:rotate(-1deg)}.private-doc.d6{top:393px;left:28px;transform:rotate(.7deg)}.private-doc.d7{top:466px;left:11px;transform:rotate(-.6deg);background:#075f69;color:#fff;border-color:#075f69}.private-doc.d7 b{background:#d9ff6f;color:#183f32}.private-contract-copy h3{font-size:2rem;margin:0 0 16px}.private-contract-copy p{color:#597077}.private-contract-copy blockquote{margin:28px 0;padding:23px 0 23px 25px;border-left:6px solid #a8cf38;color:#075c55;font-size:1.45rem;font-weight:900;line-height:1.3}
.private-compare-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:38px}.private-compare-grid article{position:relative;padding:31px;border-radius:22px;background:#fff;border:1px solid #dbe5e6}.private-compare-grid article.featured{background:#075f69;color:#fff;border-color:#075f69;box-shadow:0 24px 55px rgba(4,59,57,.18)}.private-compare-grid h3{margin:19px 0 10px;font-size:1.45rem}.private-compare-grid p{color:#597077;margin-bottom:0}.private-compare-grid .featured p{color:#d0e4e2}.private-compare-no{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#e7f2ef;color:#075c55;font-size:.75rem;font-weight:950}.featured .private-compare-no{background:#d9ff6f;color:#183f32}
.private-claims{padding:100px 0;background:#062d33;color:#fff}.private-claims-head{display:grid;grid-template-columns:1.2fr .8fr;gap:50px;align-items:end}.private-claims-head h2{color:#fff}.private-claims-head p{color:#c0d3d5}.private-claims-steps{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:0;margin-top:42px;border:1px solid rgba(255,255,255,.15);border-radius:22px;overflow:hidden}.private-claims-steps article{padding:25px 22px;border-right:1px solid rgba(255,255,255,.15)}.private-claims-steps article:last-child{border:0}.private-claims-steps b{color:#d9ff6f;font-size:.76rem}.private-claims-steps h3{color:#fff;font-size:1.12rem;margin:12px 0 8px}.private-claims-steps p{color:#bcd0d2;font-size:.88rem;margin:0}.private-expert-box{display:grid;grid-template-columns:88px 1fr;gap:26px;align-items:start;margin-top:26px;padding:30px;border-radius:22px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16)}.private-expert-mark{display:grid;place-items:center;width:78px;height:78px;border-radius:22px;background:#d9ff6f;color:#183f32;font-size:1.35rem;font-weight:950}.private-expert-box .num{color:#d9ff6f;font-size:.72rem;font-weight:900;letter-spacing:.09em;text-transform:uppercase}.private-expert-box h3{color:#fff;margin:5px 0 9px}.private-expert-box p{color:#c9dcde;margin:0 0 7px}.private-expert-box a{color:#fff}
.private-judgment-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:40px}.private-judgment-grid article{padding:30px;border-radius:22px;background:#fff;border:1px solid #dbe5e6;box-shadow:0 12px 34px rgba(4,59,57,.06)}.private-judgment-grid article:last-child:nth-child(odd){grid-column:1/-1}.private-case{display:inline-block;margin-bottom:12px;padding:6px 10px;border-radius:999px;background:#e7f2ef;color:#075c55;font-size:.72rem;font-weight:900}.private-judgment-grid h3{font-size:1.38rem;margin:0 0 10px}.private-judgment-grid p{color:#597077}.private-judgment-grid a{color:#075c55;font-size:.86rem;font-weight:850;text-decoration:none}
.private-faq-section .faq{max-width:980px}
@media(max-width:1050px){.private-hero-grid,.private-feature-grid,.private-feature-grid.reverse,.private-contract-grid{grid-template-columns:1fr}.private-hero-art{min-height:440px;max-width:680px;margin:auto}.private-income-grid,.private-kfz-grid,.private-compare-grid{grid-template-columns:1fr 1fr}.private-claims-steps{grid-template-columns:repeat(3,1fr)}.private-claims-steps article:nth-child(3){border-right:0}.private-claims-steps article:nth-child(-n+3){border-bottom:1px solid rgba(255,255,255,.15)}.private-contract-grid{gap:30px}.private-doc-stack{max-width:680px;width:100%;margin:auto}}
@media(max-width:760px){.private-hero{padding-top:50px}.private-hero h1{font-size:clamp(2.9rem,13vw,4.8rem)}.private-hero-art{min-height:350px}.private-hero-note{position:relative;right:auto;bottom:auto;margin:-16px auto 0}.private-anchor-nav{top:76px}.private-topic-grid,.private-two-column,.private-income-grid,.private-kfz-grid,.private-compare-grid,.private-judgment-grid,.private-claims-head{grid-template-columns:1fr}.private-topic-card{grid-template-columns:54px 1fr;padding:23px}.private-topic-card .private-icon{width:50px;height:50px}.private-more-risks{display:block}.private-more-risks strong{display:block;margin-bottom:6px}.private-contract-grid{display:block}.private-doc-stack{min-height:auto;display:grid;gap:10px}.private-doc{position:relative!important;inset:auto!important;transform:none!important}.private-contract-copy{margin-top:35px}.private-claims-steps{grid-template-columns:1fr}.private-claims-steps article{border-right:0!important;border-bottom:1px solid rgba(255,255,255,.15)!important}.private-claims-steps article:last-child{border-bottom:0!important}.private-expert-box{grid-template-columns:1fr}.private-judgment-grid article:last-child:nth-child(odd){grid-column:auto}}
@media(max-width:520px){.private-hero-points{display:grid}.private-topic-card{grid-template-columns:1fr}.private-topic-card h3{font-size:1.32rem}.private-feature-grid,.private-feature-grid.reverse{gap:30px}.private-check-card,.private-detail-card{padding:24px}.private-income-section,.private-claims{padding:78px 0}.private-claims-steps article{padding:23px}.private-expert-box{padding:24px}}


/* Einheitliche HELM-Komponenten – Stand 29.07.2026 */
.u-portalbar{background:#edf5f4;border-bottom:1px solid #d8e5e3;color:#194e55;font:700 14px/1.4 Arial,Helvetica,sans-serif}
.u-portalbar .wrap{display:flex;justify-content:space-between;gap:18px;padding:9px 0;align-items:center}
.u-portalbar a{color:#00549F;text-decoration:none}.u-portalbar a:hover{text-decoration:underline}
.u-page{font-family:Arial,Helvetica,sans-serif;color:#173f45;background:#f6f4ed;min-height:100vh}
.u-header{background:#fff;border-bottom:1px solid #d8e5e3;position:sticky;top:0;z-index:40}
.u-header-inner{display:flex;justify-content:space-between;align-items:center;gap:26px;min-height:86px}
.u-logo img{width:min(360px,42vw);height:auto}.u-nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap;justify-content:flex-end}
.u-nav a{color:#174d54;text-decoration:none;font-weight:800;font-size:.95rem}.u-nav a:hover{color:#00549F}
.u-main{padding-bottom:0}.u-hero{background:linear-gradient(135deg,#f7fbfa,#e6f1ef);padding:70px 0 62px}
.u-eyebrow{display:inline-block;color:#739600;font-size:.78rem;font-weight:900;letter-spacing:.14em;text-transform:uppercase;margin-bottom:12px}
.u-hero h1{font:850 clamp(2.7rem,7vw,5.8rem)/.95 Arial,Helvetica,sans-serif;letter-spacing:-.055em;color:#063f49;margin:0 0 22px}
.u-lead{max-width:820px;font-size:1.16rem;color:#557075;margin:0}
.u-section{padding:72px 0}.u-section.u-tint{background:#e9f3f1}.u-section h2{font:850 clamp(2rem,5vw,4rem)/1 Arial,Helvetica,sans-serif;letter-spacing:-.045em;color:#063f49;margin:0 0 18px}
.u-content-card{background:#fff;border:1px solid #d8e5e3;border-radius:26px;padding:clamp(24px,4vw,42px);box-shadow:0 18px 50px rgba(12,55,60,.08)}
.u-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.u-grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.u-card{background:#fff;border:1px solid #d8e5e3;border-radius:24px;padding:28px;box-shadow:0 14px 38px rgba(12,55,60,.07)}
.u-card h2,.u-card h3{color:#064b55;margin-top:0}.u-card p:last-child{margin-bottom:0}.u-badge{display:inline-flex;padding:7px 12px;border-radius:999px;background:#e6f0cd;color:#405a00;font-weight:900;font-size:.8rem}
.u-team-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.u-team-card{display:grid;grid-template-columns:160px 1fr;gap:24px;align-items:center;background:#fff;border:1px solid #d8e5e3;border-radius:26px;padding:24px;box-shadow:0 14px 38px rgba(12,55,60,.07)}
.u-team-card img{width:150px;height:185px;object-fit:cover;object-position:center top;border-radius:20px;background:#edf4f2}.u-team-card h2{font-size:1.55rem;margin:0 0 5px;color:#064b55}.u-team-card .role{font-weight:900;color:#00549F;margin:0 0 12px}.u-team-card.external{grid-column:1/-1;background:linear-gradient(135deg,#f0f6f5,#e5efce)}
.u-team-card.external img{object-fit:contain}.u-source{font-size:.88rem;color:#617579}.u-source a{color:#00549F}
.u-btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 20px;border-radius:999px;background:#739600;color:#183c28!important;text-decoration:none;font-weight:900;border:2px solid #739600}.u-btn.blue{background:#00549F;border-color:#00549F;color:#fff!important}.u-btn.outline{background:transparent;border-color:#00549F;color:#00549F!important}
.u-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.u-map-section{padding:68px 0;background:#eef5f3;border-top:1px solid #d8e5e3}.u-map-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:34px;align-items:center}
.u-map-section h2{font:850 clamp(2rem,5vw,3.7rem)/1 Arial,Helvetica,sans-serif;letter-spacing:-.045em;color:#063f49;margin:0 0 16px}.u-location{display:grid;gap:12px;margin:22px 0}.u-location strong{display:block}.u-location span{color:#5b7175}
.u-map-consent{position:relative;min-height:390px;border-radius:28px;overflow:hidden;background:#dfeae8;border:1px solid #cbdcda;box-shadow:0 18px 50px rgba(12,55,60,.10)}.u-map-consent>img{width:100%;height:100%;min-height:390px;object-fit:cover}.u-map-overlay{position:absolute;inset:0;display:grid;place-items:center;padding:24px;background:rgba(5,42,49,.34)}.u-map-box{max-width:520px;background:#fff;border-radius:22px;padding:26px;box-shadow:0 18px 55px rgba(0,0,0,.18)}.u-map-box h3{margin:0 0 8px;color:#063f49}.u-map-frame{width:100%;height:430px;border:0;display:block}
.u-legal-list{display:grid;gap:16px}.u-legal-row{padding:18px 0;border-bottom:1px solid #d8e5e3}.u-legal-row:last-child{border-bottom:0}.u-legal-row strong{display:block;color:#064b55;margin-bottom:4px}
.u-footer{background:#062c34;color:#d8ece9;padding:52px 0 24px}.u-footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}.u-footer h3{color:#fff;margin-top:0}.u-footer a{color:#d8ece9}.u-footer-bottom{border-top:1px solid #356069;margin-top:30px;padding-top:18px;font-size:.9rem}
.u-og-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin-top:30px}.u-og-card{background:#fff;border-left:7px solid #739600;border-radius:18px;padding:24px;box-shadow:0 14px 38px rgba(12,55,60,.07)}.u-og-card h2{font-size:1.4rem!important;letter-spacing:-.02em!important;margin:0 0 9px!important}.u-og-card .gz{font-weight:900;color:#00549F;font-size:.9rem}.u-og-card a{color:#00549F;font-weight:800}
.u-process-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.u-process-card{background:#fff;border:1px solid #d8e5e3;border-radius:24px;padding:28px;position:relative;overflow:hidden;box-shadow:0 14px 38px rgba(12,55,60,.07)}.u-process-card b{display:block;color:#739600;font-size:3.1rem;line-height:1;margin-bottom:16px}.u-process-card h3{font-size:1.45rem;color:#064b55;margin:0 0 10px}.u-special-links{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:28px}.u-special-links a{background:#e7f0ee;border-radius:16px;padding:18px;text-decoration:none;font-weight:900;color:#00549F;text-align:center}
@media(max-width:900px){.u-header-inner{display:block;padding:16px 0}.u-logo img{width:min(360px,80vw)}.u-nav{justify-content:flex-start;margin-top:12px}.u-grid,.u-grid-3,.u-team-grid,.u-map-grid,.u-footer-grid,.u-og-grid{grid-template-columns:1fr}.u-team-card.external{grid-column:auto}.u-special-links,.u-process-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.u-portalbar .wrap{display:block}.u-nav{display:grid;grid-template-columns:1fr 1fr;gap:10px}.u-team-card{grid-template-columns:1fr;text-align:left}.u-team-card img{width:132px;height:165px}.u-special-links,.u-process-grid{grid-template-columns:1fr}.u-map-consent,.u-map-consent>img{min-height:340px}}


/* Einheitliche Navigation: OGH und ein Kontaktpunkt */
.main-nav{column-gap:16px!important}
.main-nav a{font-size:.82rem!important}
@media(max-width:1180px){.main-nav{column-gap:10px!important}.main-nav a{font-size:.76rem!important}}

/* QA-FIX 2026-07-29: hero note above process symbols */
.theme-main .hero .hero-art .hero-note{
  left:50%!important;
  right:auto!important;
  top:18px!important;
  bottom:auto!important;
  width:min(440px,84%)!important;
  padding:16px 20px!important;
  text-align:center;
  transform:translateX(-50%)!important;
  z-index:3;
}
.theme-main .hero .hero-art .hero-note strong{font-size:1.08rem!important;line-height:1.32}
.theme-main .hero .hero-art .hero-note span{display:block;line-height:1.45}
@media(max-width:620px){
  .theme-main .hero .hero-art .hero-note{
    position:relative!important;
    left:auto!important;
    top:auto!important;
    bottom:auto!important;
    transform:none!important;
    width:100%!important;
    margin:12px auto 0!important;
  }
}

/* HELM MASTER V3: language switch */
.language-switch{display:inline-flex;align-items:center;gap:.3rem;margin-left:.45rem;white-space:nowrap;font-size:.92em}.language-switch a{font-weight:800;text-decoration:none}.language-switch a[aria-current="page"]{text-decoration:underline;text-underline-offset:3px}.language-switch span{opacity:.55}