/* Ratgeber Overview Page */
.ratgeber-overview-page {
    margin-top: var(--header-height);
}

.ratgeber-hero {
    background: linear-gradient(
        135deg,
        var(--secondary-color) 0%,
        #f8fafc 100%
    );
    padding: 4rem 0;
    text-align: center;
    border-bottom: 1px solid var(--border-color);
}

.ratgeber-hero h1 {
    font-size: var(--h1-size);
    color: var(--text-color);
    margin-top: 0;
    margin-bottom: 1rem;
    font-weight: 700;
}

.ratgeber-hero .lead {
    font-size: 1.25rem;
    color: var(--text-light);
    max-width: 1000px;
    margin: 0 auto 2rem;
    line-height: 1.7;
}

.hero-stats {
    display: flex;
    justify-content: center;
    gap: 3rem;
    margin-top: 2rem;
}

.stat-item {
    text-align: center;
}

.stat-item strong {
    display: block;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 0.5rem;
}

.stat-item span {
    font-size: 0.9rem;
    color: var(--text-light);
}

/* Ratgeber Guide Pages */
.guide-page {
    margin-top: var(--header-height);
}

.guide-hero {
    background: linear-gradient(
        135deg,
        var(--secondary-color) 0%,
        #f8fafc 100%
    );
    padding: 4rem 0;
    text-align: center;
    border-bottom: 1px solid var(--border-color);
}

.guide-hero h1 {
    font-size: var(--h1-size);
    color: var(--text-color);
    margin-bottom: 1rem;
    font-weight: 700;
}

.guide-hero .lead {
    font-size: 1.25rem;
    color: var(--text-light);
    max-width: 800px;
    margin: 0 auto 2rem;
    line-height: 1.7;
}

.guide-meta {
    display: flex;
    justify-content: center;
    gap: 2rem;
    margin-top: 2rem;
    font-size: 0.9rem;
    color: var(--text-light);
}

.guide-meta span {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

/* ===== Reusable Section Styles ===== */
.why-switch,
.step-by-step,
.common-issues,
.checklist,
.recommended-brokers,
.main-topics,
.recent-articles,
.categories,
.guide-section,
.ratgeber-cta,
.common-issues,
.newsletter {
    padding: 4rem 0;
}

.why-switch h2,
.step-by-step h2,
.common-issues h2,
.checklist h2,
.recommended-brokers h2,
.main-topics h2,
.recent-articles h2,
.categories h2,
.guide-section h2,
.cta-content h2,
.newsletter-content h2 {
    text-align: center;
    color: var(--text-color);
    margin-bottom: 3rem;
    font-weight: 700;
}

/* Why Switch Section */
.why-switch {
    background: var(--white);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    max-width: 800px;
    gap: 2rem;
    margin-left: auto;
    margin-right: auto;
}

.benefit-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 2rem;
    transition: var(--transition);
    text-align: center;
}

.benefit-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
    border-color: var(--primary-color);
}

.benefit-icon, .issue-icon {
    font-size: 3rem;
    text-align: center;
}

.benefit-card h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 1rem;
    font-weight: 600;
}

.benefit-card p {
    color: var(--text-light);
    margin-bottom: 1.5rem;
    line-height: 1.6;
}

.example {
    background: var(--secondary-color);
    padding: 1rem;
    border-radius: var(--border-radius);
    border-left: 4px solid var(--accent-color);
    font-size: 0.9rem;
}

.example strong {
    color: var(--text-color);
}

/* Step by Step Section */
.step-by-step {
    background: var(--secondary-color);
}

.steps-timeline {
    max-width: 800px;
    margin: 0 auto;
    position: relative;
}

.steps-timeline::before {
    content: "";
    position: absolute;
    left: 2rem;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--primary-color);
}

.step-item {
    position: relative;
    margin-bottom: 3rem;
    padding-left: 5rem;
}

.step-number {
    position: absolute;
    left: 0;
    top: 0;
    width: 4rem;
    height: 4rem;
    background: var(--primary-color);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: bold;
    box-shadow: 0 4px 8px rgba(0, 0, 0, 0.1);
    z-index: 1;
}

.step-content {
    background: var(--white);
    padding: 2rem;
    border-radius: var(--border-radius);
    box-shadow: var(--shadow);
}

.step-content h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 1rem;
    font-weight: 600;
}

.step-content p {
    color: var(--text-light);
    margin-bottom: 1.5rem;
    line-height: 1.6;
}

.step-details h4 {
    font-size: var(--h4-size);
    color: var(--text-color);
    margin-bottom: 0.5rem;
    font-weight: 600;
}

.step-details ul {
    list-style: none;
    padding-left: 0;
}

.step-details li {
    padding: 0.25rem 0;
    padding-left: 1.5rem;
    position: relative;
    color: var(--text-light);
}

.step-details li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: var(--accent-color);
    font-weight: bold;
}

.step-cta {
    display: inline-block;
    background: var(--accent-color);
    color: var(--white);
    padding: 0.75rem 1.5rem;
    border-radius: var(--border-radius);
    text-decoration: none;
    font-weight: 600;
    margin-top: 1rem;
    transition: var(--transition);
}

.step-cta:hover {
    background: #1d4ed8;
    transform: translateY(-1px);
}

.warning-box,
.info-box {
    background: #fef3c7;
    border: 1px solid #f59e0b;
    border-radius: var(--border-radius);
    padding: 1rem;
    margin-top: 1rem;
}

/* Info Boxes for various content */
.info-box {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 1.5rem;
    margin: 2rem auto; /* Center horizontally and maintain top margin */
    box-shadow: var(--shadow);
    width: fit-content;
    max-width: 100%;
}

.info-box h3 {
    color: var(--primary-color);
    font-size: 1.25rem;
    margin-bottom: 1rem;
}

.info-box ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.info-box li {
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
    margin-bottom: 1rem;
    line-height: 1.4;
    color: var(--text-color);
    flex-wrap: wrap;
    width: 100%;
}

.info-box li::before {
    content: "✓";
    font-family: 'Font Awesome 5 Free'; /* Adjust if needed based on actual icon font */
    font-weight: 900;
    color: var(--primary-color);
    font-size: 1.1rem;
    line-height: 1.4;
    flex-shrink: 0; /* Prevent icon from shrinking */
}

.info-box strong {
    font-weight: 600;
    color: var(--text-color);
}

/* Common Issues Section */
.common-issues {
    background: var(--white);
}

.issues-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    max-width: 800px;
    gap: 2rem;
    margin-left: auto;
    margin-right: auto;
}

.issue-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 2rem;
    transition: var(--transition);
}

.issue-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
}

.issue-card h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 1rem;
    font-weight: 600;
}

.problem,
.solution {
    margin-bottom: 1rem;
    padding: 1rem;
    border-radius: var(--border-radius);
}

.problem {
    background: #fee2e2;
    border-left: 4px solid #ef4444;
}

.solution {
    background: #dcfce7;
    border-left: 4px solid #22c55e;
}

.problem strong,
.solution strong {
    color: var(--text-color);
    display: block;
    margin-bottom: 0.5rem;
}

/* Checklist Section */
.checklist {
    background: var(--secondary-color);
}

.checklist-grid {
    display: grid;
    grid-template-columns: repeat(2, 300px);
    width: fit-content;
    margin: auto;
    gap: 2rem;
    max-width: 1200px;
    margin: 0 auto;
}

.checklist-column {
    background: var(--white);
    border-radius: var(--border-radius);
    padding: 2rem;
    box-shadow: var(--shadow);
}

.checklist-column h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 1.5rem;
    font-weight: 600;
    text-align: center;
    padding-bottom: 1rem;
    border-bottom: 2px solid var(--primary-color);
}

.checklist-items {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.checklist-item {
    display: flex;
    align-items: center;
    cursor: pointer;
    padding: 0.75rem;
    border-radius: var(--border-radius);
    transition: var(--transition);
    position: relative;
}

.checklist-item:hover {
    background: var(--secondary-color);
}

.checklist-item input[type="checkbox"] {
    display: none;
}

.checkmark {
    width: 1.5rem;
    height: 1.5rem;
    border: 2px solid var(--border-color);
    border-radius: 4px;
    margin-right: 1rem;
    position: relative;
    transition: var(--transition);
}

.checklist-item input[type="checkbox"]:checked + .checkmark {
    background: var(--accent-color);
    border-color: var(--accent-color);
}

.checklist-item input[type="checkbox"]:checked + .checkmark::after {
    content: "✓";
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    color: var(--white);
    font-weight: bold;
    font-size: 0.9rem;
}

/* Recommended Brokers Section */
.recommended-brokers {
    background: var(--white);
}

.broker-recommendations {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.broker-rec-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 2rem;
    text-align: center;
    transition: var(--transition);
    position: relative;
}

.broker-rec-card:hover {
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
}

.broker-rec-card.featured {
    border-color: var(--accent-color);
    background: linear-gradient(
        135deg,
        rgba(37, 99, 235, 0.05) 0%,
        var(--white) 100%
    );
}

.broker-rec-card .badge {
    position: absolute;
    top: -15px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--accent-color);
    color: var(--white);
    padding: 0.25rem 0.75rem;
    border-radius: 12px;
    font-size: 0.75rem;
    font-weight: 600;
}

.broker-rec-card img {
    max-width: 200px;
    max-height: 60px;
    margin: 1rem;
}

.broker-rec-card h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 0.5rem;
    font-weight: 600;
}

.savings {
    color: var(--accent-color);
    font-weight: 600;
    margin-bottom: 1rem;
}

.features {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
    margin-bottom: 1.5rem;
}

.features span {
    background: var(--secondary-color);
    padding: 0.5rem;
    border-radius: var(--border-radius);
    font-size: 0.9rem;
    color: var(--text-light);
}

.rec-button {
    display: inline-block;
    background: var(--primary-color);
    color: var(--white);
    padding: 0.75rem 1.5rem;
    border-radius: var(--border-radius);
    text-decoration: none;
    font-weight: 600;
    transition: var(--transition);
}

.rec-button:hover {
    background: #1e40af;
    transform: translateY(-1px);
}

/* Main Topics Section */
.main-topics {
    background: var(--white);
}

.main-topics .container {
    max-width: 800px;
}

.topics-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.topic-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 2rem;
    transition: var(--transition);
    position: relative;
    text-align: center;
}

.topic-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
}

.topic-card.featured {
    border-color: var(--accent-color);
    background: linear-gradient(
        135deg,
        rgba(37, 99, 235, 0.05) 0%,
        var(--white) 100%
    );
}

.topic-card.featured::before {
    content: "Beliebt";
    position: absolute;
    top: -15px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--accent-color);
    color: var(--white);
    padding: 0.25rem 0.75rem;
    border-radius: 12px;
    font-size: 0.75rem;
    font-weight: 600;
}

.topic-icon {
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.topic-card h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 1rem;
    font-weight: 600;
}

.topic-card p {
    color: var(--text-light);
    margin-bottom: 1.5rem;
    line-height: 1.6;
}

.topic-articles {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.topic-articles a {
    color: var(--primary-color);
    text-decoration: none;
    font-size: 0.9rem;
    font-weight: 500;
    padding: 0.25rem 0;
    border-bottom: 1px solid transparent;
    transition: var(--transition);
}

.topic-articles a:hover {
    border-bottom-color: var(--primary-color);
    padding-left: 0.5rem;
}

/* Recent Articles Section */
.recent-articles {
    background: var(--secondary-color);
}

.articles-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.article-card {
    background: var(--white);
    border-radius: var(--border-radius);
    padding: 2rem;
    box-shadow: var(--shadow);
    transition: var(--transition);
    position: relative;
    text-align: center;
}

.article-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 4px 10px rgba(0, 0, 0, 0.15);
}

.article-card.featured {
    border: 2px solid var(--accent-color);
}

.article-badge {
    position: absolute;
    top: -15px;
    right: 1rem;
    background: var(--accent-color);
    color: var(--white);
    padding: 0.25rem 0.75rem;
    border-radius: 12px;
    font-size: 0.75rem;
    font-weight: 600;
}

.article-card h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 1rem;
    font-weight: 600;
    line-height: 1.4;
}

.article-excerpt {
    color: var(--text-light);
    margin-bottom: 1.5rem;
    line-height: 1.6;
    font-size: 0.95rem;
}

.article-meta {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 1rem;
    margin-bottom: 1.5rem;
    font-size: 0.8rem;
    color: var(--text-light);
}

.article-meta span {
    padding: 0.25rem 0.5rem;
    background: var(--secondary-color);
    border-radius: 4px;
}

.article-link {
    display: inline-block;
    background: var(--primary-color);
    color: var(--white);
    text-decoration: none;
    padding: 0.75rem 1.5rem;
    border-radius: var(--border-radius);
    font-weight: 500;
    transition: var(--transition);
}

.article-link:hover {
    background: var(--primary-dark);
}

/* Categories Section */
.categories {
    background: var(--white);
}

.categories-grid {
    display: grid;
    grid-template-columns: repeat(3, auto);
    width: fit-content;
    margin: auto;
    gap: 2rem;
    text-align: center;
}

.category-item {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 2rem;
    transition: var(--transition);
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.category-item:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
    border-color: var(--primary-color);
}

.category-icon {
    font-size: 2rem;
    margin-bottom: 1rem;
    line-height: 1;
}

.category-item h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 1rem;
    font-weight: 600;
}

.category-item ul {
    list-style: none;
    padding: 0;
    margin: 0;
    text-align: center;
}

.category-item li {
    margin-bottom: 1rem;
}

.category-item a {
    color: var(--primary-color);
    text-decoration: none;
    font-weight: 500;
    transition: var(--transition);
}

.category-item a:hover {
    color: var(--accent-color);
    text-decoration: underline;
}

/* Newsletter Section */
.newsletter {
    background: var(--secondary-color);
    color: var(--text-color);
    text-align: center;
}

.newsletter-content h2 {
    margin-bottom: 1rem;
    font-weight: 600;
}

.newsletter-content p {
    font-size: 1.1rem;
    margin-bottom: 2rem;
    opacity: 0.9;
}

.newsletter-form {
    display: flex;
    max-width: 400px;
    margin: 0 auto 1rem;
    gap: 0.5rem;
}

.newsletter-form input {
    flex: 1;
    padding: 0.75rem;
    border: none;
    border-radius: var(--border-radius);
    font-size: 1rem;
}

.newsletter-form button {
    background: var(--accent-color);
    color: var(--white);
    border: none;
    padding: 0.75rem 1.5rem;
    border-radius: var(--border-radius);
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
}

.newsletter-form button:hover {
    background: var(--primary-dark);
}

.newsletter-privacy {
    font-size: 0.85rem;
    opacity: 0.8;
    margin: 0;
}

/* Table of Contents */
.table-of-contents {
    padding: 2rem 0;
    background: var(--white);
    border-bottom: 1px solid var(--border-color);
}

.toc-wrapper {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: 12px;
    padding: 3rem;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
    width: fit-content;
    max-width: 600px;
    margin: 0 auto;
    position: relative;
}

.toc-wrapper h3 {
    font-size: 1.25rem;
    color: var(--text-color);
    margin-bottom: 1.5rem;
    font-weight: 600;
    text-align: left;
    position: relative;
    padding-left: 1rem;
    padding-bottom: 0.75rem;
}

.toc-wrapper h3::after {
    content: "";
    position: absolute;
    bottom: 0;
    left: 1rem;
    width: 2rem;
    height: 2px;
    background: var(--primary-color);
    border-radius: 1px;
}

.toc-wrapper ul {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 1rem;
    position: relative;
    padding-top: 1rem;
    padding-bottom: 1rem;
    overflow: inherit;
}

.toc-wrapper ul::before {
    content: "";
    position: absolute;
    left: 1.5rem;
    top: 2rem;
    bottom: 2rem;
    width: 2px;
    background: var(--primary-color);
    border-radius: 1px;
    mask: repeating-linear-gradient(
        to bottom,
        transparent 0,
        transparent 10px,
        black 10px,
        black calc(100% - 20px),
        transparent calc(100% - 20px),
        transparent 100%
    );
}

.toc-wrapper li {
    margin: 0;
    position: relative;
    padding-left: 3rem;
    counter-increment: toc-counter;
}

.toc-wrapper li::before {
    content: counter(toc-counter);
    position: absolute;
    left: 0.75rem;
    top: 50%;
    transform: translateY(-50%);
    width: 24px;
    height: 24px;
    background: var(--primary-color);
    border: 2px solid var(--primary-color);
    border-radius: 50%;
    z-index: 2;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--white);
    line-height: 1;
    transition: all 0.3s ease;
}

.toc-wrapper li:hover::before {
    background: var(--white);
    color: var(--primary-color);
    transform: translateY(-50%) scale(1.1);
    box-shadow: 0 4px 12px rgba(59, 130, 246, 0.3);
}

.toc-wrapper li::after {
    content: "";
    position: absolute;
    left: 1.5rem;
    top: calc(50% + 24px);
    width: 2px;
    height: calc(100% + 1rem);
    background: var(--primary-color);
    z-index: 1;
}

.toc-wrapper li:last-child::after {
    display: none;
}

.toc-wrapper a {
    color: var(--text-color);
    text-decoration: none;
    padding: 0.35rem 1rem;
    display: block;
    transition: all 0.2s ease;
    border-radius: 8px;
    font-weight: 500;
    position: relative;
    border: 1px solid transparent;
    background: var(--white);
}

.toc-wrapper a:hover {
    background: var(--secondary-color);
    color: var(--primary-color);
    border-color: var(--border-color);
    transform: translateX(4px);
}

.toc-wrapper a:active {
    transform: translateX(2px);
}

/* Responsive Design */
@media (max-width: 768px) {
    .toc-wrapper {
        padding: 2rem;
        margin: 0 1rem;
        width: calc(100% - 2rem);
        max-width: none;
    }

    .toc-wrapper a:hover {
        transform: none;
    }
}

/* Guide Sections */
.guide-section {
    border-bottom: 1px solid var(--border-color);
}

.guide-section:nth-child(even) {
    background: var(--secondary-color);
}

.guide-section h2 {
    margin-bottom: 2rem;
}

.guide-section p {
    font-size: 1.1rem;
    line-height: 1.7;
    color: var(--text-light);
    margin-bottom: 2rem;
    margin-left: auto;
    margin-right: auto;
    text-align: center;
}

/* Broker Comparison Grid */
.broker-comparison-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.broker-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 2rem;
    text-align: center;
    transition: var(--transition);
    position: relative;
}

.broker-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
}

.broker-card.winner {
    border-color: var(--accent-color);
    background: linear-gradient(
        135deg,
        rgba(37, 99, 235, 0.05) 0%,
        var(--white) 100%
    );
}

.broker-card .badge {
    position: absolute;
    top: -15px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--accent-color);
    color: var(--white);
    padding: 0.25rem 0.75rem;
    border-radius: 12px;
    font-size: 0.75rem;
    font-weight: 600;
}

.broker-card img {
    height: 60px;
    max-width: 200px;
    margin-bottom: 1rem;
}

.broker-card h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 0.5rem;
    font-weight: 600;
}

.broker-card .rating {
    color: var(--accent-color);
    font-weight: 600;
    margin-bottom: 1.5rem;
    font-size: 0.9rem;
}

.broker-card .features {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    margin-bottom: 2rem;
}

.feature-item {
    background: var(--secondary-color);
    padding: 0.75rem;
    border-radius: var(--border-radius);
    font-size: 0.9rem;
}

.feature-item strong {
    color: var(--primary-color);
    font-weight: 700;
}

.learn-more {
    display: inline-block;
    background: var(--primary-color);
    color: var(--white);
    padding: 0.75rem 1.5rem;
    border-radius: var(--border-radius);
    text-decoration: none;
    font-weight: 600;
    transition: var(--transition);
}

.learn-more:hover {
    background: #1e40af;
    transform: translateY(-1px);
}

/* Cost Comparison Table */
.cost-comparison-table {
    margin-top: 2rem;
    overflow-x: auto;
}

.cost-comparison-table .comparison-table {
    width: 100%;
    border-collapse: collapse;
    background: var(--white);
    border-radius: var(--border-radius);
    overflow: hidden;
    box-shadow: var(--shadow);
}

.cost-comparison-table th,
.cost-comparison-table td {
    padding: 1rem;
    text-align: left;
    border-bottom: 1px solid var(--border-color);
}

.cost-comparison-table th {
    background: var(--primary-color);
    color: var(--white);
    font-weight: 600;
}

.cost-comparison-table tr:hover {
    background: var(--secondary-color);
}

.cost-comparison-table strong {
    color: var(--text-color);
    font-weight: 600;
}

/* ETF Selection Grid */
.etf-selection-grid {
    display: grid;
    grid-template-columns: repeat(2, 300px);
    width: fit-content;
    margin: auto;
    gap: 2rem;
    margin-top: 3rem;
}

.etf-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 2rem;
    transition: var(--transition);
}

.etf-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
    border-color: var(--primary-color);
}

.etf-card h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 1rem;
    font-weight: 600;
}

.etf-card p {
    color: var(--text-light);
    line-height: 1.6;
    margin-bottom: 1.5rem;
}

.etf-examples a {
    text-decoration: none;
    color: inherit;
}

.etf-examples,
.cost-examples,
.diversification-examples {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.etf-examples span,
.cost-examples span,
.diversification-examples span {
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
    padding: 0.75rem 1rem;
    border-radius: 12px;
    font-size: 0.9rem;
    color: var(--text-color);
    font-weight: 500;
    border: 1px solid #e2e8f0;
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
}

.cost-examples span {
    background: linear-gradient(135deg, #ecfdf5 0%, #d1fae5 100%);
    border: 1px solid #a7f3d0;
    color: #047857;
}


.cost-examples span:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(5, 150, 105, 0.15);
    border-color: #10b981;
}

.etf-examples span:hover,
.diversification-examples span:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
    border-color: var(--primary-color);
}

.diversification-examples span {
    background: linear-gradient(135deg, #fef7ff 0%, #f3e8ff 100%);
    border: 1px solid #c4b5fd;
    color: #7c3aed;
}

.etf-examples span {
    background: linear-gradient(135deg, #fefce8 0%, #fef3c7 100%);
    border: 1px solid #fbbf24;
    color: #d97706;
}

/* Tips Grid */
.tips-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.tip-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 2rem;
    transition: var(--transition);
    position: relative;
    text-align: center;
}

.tip-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
}

.tip-number {
    position: absolute;
    top: -15px;
    left: 50%;
    transform: translateX(-50%);
    width: 30px;
    height: 30px;
    background: var(--accent-color);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: bold;
    font-size: 1rem;
}

.tip-card h3 {
    font-size: var(--h3-size);
    color: var(--text-color);
    margin-bottom: 1rem;
    margin-top: 0.5rem;
    font-weight: 600;
}

.tip-card p {
    color: var(--text-light);
    line-height: 1.6;
    text-align: center;
    margin: 0;
}

/* FAQ Accordion */
.faq-accordion {
    margin-top: 3rem;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

/* Country flags styling */
.broker-card .country {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-top: 0.5rem;
    display: flex;
    gap: 0.5rem;
    align-items: center;
}

.broker-card .country .flag-icon {
    width: 20px;
    height: 14px;
    border-radius: 2px;
    border: 1px solid var(--border-light);
}

.country-flags {
    display: flex;
    gap: 0.25rem;
    align-items: center;
    margin-top: 0.25rem;
}

.country-flags .flag-icon {
    width: 16px;
    height: 12px;
    border-radius: 2px;
    border: 1px solid var(--border-light);
}

/* Info Box in Guide Sections */
.info-box {
    background: var(--secondary-color);
    padding: 1.5rem;
}



.suitability {
    padding: 4rem 0;
    background: var(--secondary-color);
}

.suitability h2 {
    text-align: center;
    color: var(--text-color);
    margin-bottom: 3rem;
    font-weight: 700;
}

.suitability-grid {
    display: grid;
    grid-template-columns: repeat(2, 300px);
    width: fit-content;
    margin: auto;
    gap: 2rem;
}

.suitability-card {
    background: var(--white);
    padding: 2rem;
    border-radius: var(--border-radius);
    border: 1px solid var(--border-color);
}

.suitability-card h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    color: var(--primary-color);
}

.suitability-card ul {
    list-style: none;
    padding: 0;
    margin-bottom: 1.5rem;
}

.suitability-card li {
    margin-bottom: 0.5rem;
    padding-left: 2.5rem;
    position: relative;
}

.suitability-card li::before {
    content: '✅';
    position: absolute;
    left: 0;
}

.suitability-card .examples h4 {
    font-size: 1.1rem;
    margin-bottom: 0.5rem;
}

.suitability-card .broker-examples {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
    text-align: center;
}

.suitability-card .broker-examples a {
    color: var(--primary-color);
    text-decoration: none;
    font-weight: 500;
}

.cost-example {
    padding: 4rem 0;
}

.cost-example h2 {
    text-align: center;
    color: var(--text-color);
    margin-bottom: 3rem;
    font-weight: 700;
}

.cost-example-text {
    text-align: center;
}

.cost-calculation {
    max-width: 400px;
    margin: 0 auto;
    background: var(--white);
    padding: 2rem;
    border-radius: var(--border-radius);
    box-shadow: var(--shadow);
}

.calc-row {
    margin-bottom: 1.5rem;
    padding-bottom: 1.5rem;
    border-bottom: 1px solid var(--border-color);
}

.calc-row:last-child {
    margin-bottom: 0;
    padding-bottom: 0;
    border-bottom: none;
}

.calc-details {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.calc-item {
    display: flex;
    justify-content: space-between;
}

.calc-total {
    margin-top: 1rem;
    font-weight: bold;
    display: flex;
    justify-content: space-between;
}

.calc-savings {
    text-align: center;
    margin-top: 1.5rem;
    font-size: 1.2rem;
    color: var(--primary-color);
}

.recommendations {
    padding: 4rem 0;
    background: var(--secondary-color);
}

.recommendations h2 {
    text-align: center;
    color: var(--text-color);
    margin-bottom: 3rem;
    font-weight: 700;
}

.recommendation-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.recommendation-card {
    background: var(--white);
    padding: 2rem;
    border-radius: var(--border-radius);
    box-shadow: var(--shadow);
    text-align: center;
}

.recommended-broker {
    display: flex;
    align-items: center;
    gap: 1rem;
    text-align: left;
    margin-bottom: 1rem;
}

.recommended-broker img, .broker-example-icon {
    max-width: 60px;
}

.conclusion {
    padding: 4rem 0;
}

.conclusion h2 {
    text-align: center;
    color: var(--text-color);
    margin-bottom: 3rem;
    font-weight: 700;
}

.conclusion-content {
    max-width: 1000px;
    margin: 0 auto;
}

.conclusion-highlights {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(400px, 1fr));
    gap: 2rem;
    margin-bottom: 3rem;
}

.conclusion-highlight {
    background: var(--white);
    padding: 2rem;
    border-radius: var(--border-radius);
    border-left: 4px solid var(--primary-color);
    box-shadow: var(--shadow);
}

.conclusion-highlight h3 {
    font-size: 1.5rem;
    color: var(--text-color);
    margin-bottom: 1rem;
    font-weight: 600;
}

.conclusion-highlight p {
    color: var(--text-light);
    line-height: 1.6;
    margin: 0;
}

.decision-matrix {
    margin-top: 2rem;
}

.decision-matrix h3 {
    text-align: center;
    color: var(--text-color);
    margin-bottom: 2rem;
    font-size: 1.5rem;
    font-weight: 600;
}

.matrix-grid {
    display: grid;
    grid-template-columns: repeat(2, 300px);
    width: fit-content;
    margin: auto;
    gap: 2rem;
}

.matrix-item {
    background: var(--secondary-color);
    padding: 2rem;
    border-radius: var(--border-radius);
}

.matrix-item strong {
    display: block;
    color: var(--text-color);
    margin-bottom: 1rem;
    font-size: 1.1rem;
    font-weight: 600;
}

.matrix-item ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.matrix-item li {
    padding-left: 0;
    position: relative;
    margin-bottom: 0.5rem;
    color: var(--text-color);
}

/* Detailed Comparison Section */
.detailed-comparison {
    padding: 4rem 0;
    background: var(--white);
}

.detailed-comparison h2 {
    text-align: center;
    color: var(--text-color);
    margin-bottom: 3rem;
    font-weight: 700;
}

/* Quick Comparison Section */
.quick-comparison {
    padding: 4rem 0;
    background: var(--white);
}

.quick-comparison h2 {
    text-align: center;
    color: var(--text-color);
    margin-bottom: 3rem;
    font-weight: 700;
}

.quick-comparison .container {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 1rem;
}

/* Broker Examples Grid */
.broker-examples-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    justify-content: center;
    align-items: center; /* This vertically aligns the logos */
    margin-top: 1rem;
}

/* Content width constraints for better readability */
.cost-example .container,
.conclusion .container,
.suitability .container {
    max-width: 1000px;
    margin: 0 auto;
    padding: 0 1rem;
}

.detailed-comparison .container {
    max-width: 1000px;
    margin: 0 auto;
    padding: 0 1rem;
}

.ratgeber-hero .container {
    max-width: 1000px;
    margin: 0 auto;
    padding: 0 1rem;
}

.load-more-container {
    text-align: center;
    margin-top: 30px;
    margin-bottom: 30px;
}

.btn .spinner {
    display: inline-block;
    width: 18px;
    height: 18px;
    border: 2px solid rgba(0, 0, 0, 0.1);
    border-radius: 50%;
    border-top-color: #333;
    animation: spin 1s ease-in-out infinite;
    margin-left: 10px;
    vertical-align: middle;
}

@keyframes spin {
    to {
        transform: rotate(360deg);
    }
}

/* Responsive Design */
@media (max-width: 768px) {
    .ratgeber-hero,
    .guide-hero {
        padding: 3rem 0;
    }

    .hero-stats {
        display: none;
    }

    .main-topics,
    .recent-articles,
    .categories,
    .why-switch,
    .step-by-step,
    .common-issues,
    .checklist,
    .recommended-brokers,
    .guide-cta,
    .table-of-contents,
    .guide-section,
    .newsletter,
    .ratgeber-cta {
        padding: 3rem 0;
    }

    .main-topics h2,
    .recent-articles h2,
    .categories h2,
    .why-switch h2,
    .step-by-step h2,
    .common-issues h2,
    .checklist h2,
    .recommended-brokers h2,
    .cta-content h2,
    .newsletter-content h2 {
        margin-bottom: 2rem;
    }

    .topics-grid,
    .articles-grid,
    .benefits-grid,
    .issues-grid,
    .checklist-grid,
    .broker-recommendations,
    .broker-comparison-grid,
    .etf-selection-grid,
    .tips-grid {
        grid-template-columns: 1fr;
    }

    .categories-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .newsletter-form {
        flex-direction: column;
        max-width: 300px;
    }

    .cta-buttons,
    .guide-cta .cta-buttons {
        flex-direction: column;
        align-items: center;
    }

    .cta-content h2,
    .guide-cta .cta-content h2 {
        font-size: var(--h2-size);
    }

    .steps-timeline::before {
        left: 1.5rem;
    }

    .step-item {
        padding-left: 4rem;
    }

    .step-number {
        width: 3rem;
        height: 3rem;
        font-size: 1.2rem;
    }

    .step-content {
        padding: 1.5rem;
    }
    .hero-stats {
        gap: 1.5rem;
    }
    
    .stat-item strong {
        font-size: 1.2rem;
    }
    
    .matrix-grid {
        grid-template-columns: 1fr;
    }
    
    .conclusion-highlight {
        padding: 1.5rem;
    }
    
    .conclusion-highlights {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
    
    .calc-item {
        flex-direction: column;
        gap: 0.25rem;
    }
    
    .calc-total {
        flex-direction: column;
        gap: 0.25rem;
    }
    
    .broker-examples-grid {
        gap: 0.5rem;
    }
}

@media (max-width: 480px) {
    .categories-grid,
    .benefits-grid,
    .issues-grid,
    .checklist-grid {
        grid-template-columns: 1fr;
    }

    .topic-card,
    .article-card,
    .category-item,
    .benefit-card,
    .issue-card,
    .checklist-column,
    .broker-rec-card,
    .broker-card,
    .etf-card,
    .tip-card {
        padding: 1.5rem;
    }

    .newsletter,
    .ratgeber-cta,
    .guide-cta {
        padding: 3rem 0;
    }

    .step-item {
        padding-left: 3.5rem;
    }

    .step-number {
        width: 2.5rem;
        height: 2.5rem;
        font-size: 1rem;
    }

    .steps-timeline::before {
        left: 1.25rem;
    }

    .guide-cta .cta-button,
    .cta-button {
        width: 100%;
        text-align: center;
    }

    .cost-comparison-table {
        font-size: 0.8rem;
    }

    .cost-comparison-table th,
    .cost-comparison-table td {
        padding: 0.5rem;
    }

    .toc-wrapper {
        padding: 1.5rem;
    }
    .hero-stats {
        flex-direction: column;
        gap: 1rem;
    }
    
    .conclusion-highlight {
        padding: 1rem;
    }
    
    .matrix-item {
        padding: 1.5rem;
    }
    
    .broker-examples-grid {
        flex-direction: column;
        align-items: center;
    }
}