:root{--ffm-iv-primary:#1d4e89;}
.ffm-iv-article *{box-sizing:border-box;}
.ffm-iv-article{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;font-size:16px;line-height:1.7;color:#2c2c2a;max-width:800px;margin:0 auto;padding:0 4px;}
.ffm-iv-article h1{font-size:32px;font-weight:600;line-height:1.25;color:var(--ffm-iv-primary);margin:0 0 20px;}
.ffm-iv-article h2{font-size:23px;font-weight:600;color:#2c2c2a;margin:40px 0 16px;line-height:1.3;padding-bottom:8px;border-bottom:2px solid #e8e8e3;}
.ffm-iv-article h3{font-size:17px;font-weight:600;color:#2c2c2a;margin:24px 0 10px;}
.ffm-iv-article p{margin:0 0 16px;}
.ffm-iv-article ul{margin:0 0 20px;padding-left:22px;}
.ffm-iv-article li{margin-bottom:8px;}
.ffm-iv-article strong{font-weight:600;color:#2c2c2a;}
.ffm-iv-article a{color:var(--ffm-iv-primary);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:2px;}
.ffm-iv-article a:hover{text-decoration-thickness:2px;}
.ffm-iv-quick{background:#eef4fb;border-left:4px solid var(--ffm-iv-primary);border-radius:6px;padding:18px 22px;margin:20px 0 28px;font-size:15px;line-height:1.65;}
.ffm-iv-quick-label{display:inline-block;font-size:12px;font-weight:600;color:var(--ffm-iv-primary);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px;}
.ffm-iv-toc{background:#f8f7f3;border:1px solid #e2e0d8;border-radius:8px;padding:18px 24px;margin:24px 0;}
.ffm-iv-toc-title{font-size:13px;font-weight:600;color:#5f5e5a;text-transform:uppercase;letter-spacing:.5px;margin-bottom:10px;}
.ffm-iv-toc ul{list-style:none;padding-left:0;margin:0;column-count:2;column-gap:28px;}
.ffm-iv-toc li{margin-bottom:6px;font-size:14px;}
.ffm-iv-banner{display:block;background:var(--ffm-iv-primary);color:#fff;border-radius:8px;text-decoration:none;margin:28px 0;overflow:hidden;}
.ffm-iv-banner:hover{text-decoration:none;}
.ffm-iv-banner-content{padding:22px 28px;display:flex;align-items:center;justify-content:space-between;gap:20px;}
.ffm-iv-banner-title{font-size:17px;font-weight:600;margin-bottom:4px;color:#fff;}
.ffm-iv-banner-sub{font-size:14px;opacity:.92;color:#fff;}
.ffm-iv-banner-arrow{font-size:22px;color:#fff;flex-shrink:0;}
.ffm-iv-article table{width:100%;border-collapse:collapse;margin:16px 0 8px;font-size:14px;background:#fff;}
.ffm-iv-article th,.ffm-iv-article td{border:1px solid #d3d1c7;padding:10px 12px;text-align:left;vertical-align:top;}
.ffm-iv-article th{background:#f1efe8;font-weight:600;}
.ffm-iv-table-note{font-size:13px;color:#888780;font-style:italic;margin:0 0 22px;}
.ffm-iv-phase{border-left:3px solid var(--ffm-iv-primary);padding:14px 20px;margin-bottom:12px;border-radius:0 6px 6px 0;background:#fafbfd;}
.ffm-iv-phase-title{font-size:15px;font-weight:600;color:var(--ffm-iv-primary);margin-bottom:4px;}
.ffm-iv-phase-text{font-size:14px;line-height:1.6;color:#444441;margin:0;}
.ffm-iv-calc{background:#f8f9fb;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;margin:20px 0;}
.ffm-iv-calc-title{font-size:15px;font-weight:600;color:var(--ffm-iv-primary);margin-bottom:12px;}
.ffm-iv-calc-row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px solid #e2e8f0;font-size:14px;gap:16px;}
.ffm-iv-calc-row:last-child{border-bottom:0;border-top:2px solid var(--ffm-iv-primary);margin-top:4px;padding-top:10px;font-weight:600;color:var(--ffm-iv-primary);font-size:16px;}
.ffm-iv-warn{background:#fff8e6;border-left:4px solid #ba7517;border-radius:6px;padding:14px 20px;margin:20px 0;font-size:14px;line-height:1.6;}
.ffm-iv-warn strong{color:#633806;}
.ffm-iv-widget-container{background:#fff;border-radius:8px;padding:28px 28px 24px;margin:32px 0;border:1px solid #d3d1c7;border-left:4px solid var(--ffm-iv-primary);}
.ffm-iv-widget-headline{font-size:21px;font-weight:600;color:var(--ffm-iv-primary);margin-bottom:6px;}
.ffm-iv-widget-sub{font-size:14px;color:#5f5e5a;margin-bottom:22px;}
.ffm-iv-widget-hint{margin:16px 0 0;font-size:12px;color:#5f5e5a;line-height:1.5;font-style:italic;}
.ffm-iv-noscript{background:#fff;border:1px solid #d3d1c7;border-radius:6px;padding:16px 20px;font-size:14px;line-height:1.6;color:#2c2c2a;}
.ffm-iv-author{background:#f1efe8;border-radius:8px;padding:32px;margin:40px 0 24px;}
.ffm-iv-author h2{margin-top:0;color:var(--ffm-iv-primary);border-bottom:0;padding-bottom:0;}
.ffm-iv-author h3{margin-top:8px;font-size:18px;}
.ffm-iv-quals{list-style:none;padding-left:0;margin:16px 0;}
.ffm-iv-quals li{padding:4px 0 4px 28px;position:relative;font-size:14px;}
.ffm-iv-quals li::before{content:"\2713";position:absolute;left:0;color:#1d9e75;font-weight:600;}
.ffm-iv-contact{width:100%;margin-top:16px;background:#fff;border-radius:6px;border:1px solid #d3d1c7;}
.ffm-iv-contact td{padding:10px 16px;border:0;border-bottom:1px solid #f1efe8;}
.ffm-iv-contact tr:last-child td{border-bottom:0;}
.ffm-iv-contact-label{color:#888780;font-size:13px;width:140px;}
.ffm-iv-faq{margin:20px 0;}
.ffm-iv-faq details{background:#fff;border:1px solid #d3d1c7;border-radius:6px;padding:0;margin-bottom:10px;}
.ffm-iv-faq summary{font-size:15px;font-weight:600;color:var(--ffm-iv-primary);padding:16px 22px;cursor:pointer;list-style:none;}
.ffm-iv-faq summary::-webkit-details-marker{display:none;}
.ffm-iv-faq summary::after{content:"+";float:right;font-size:18px;color:#888780;}
.ffm-iv-faq details[open] summary::after{content:"\2212";}
.ffm-iv-faq-a{font-size:14px;line-height:1.6;color:#444441;margin:0;padding:0 22px 18px;}
.ffm-iv-cross{background:#fff;border:1px solid #d3d1c7;border-radius:8px;padding:20px 24px;margin:24px 0;}
.ffm-iv-cross-title{font-size:14px;font-weight:600;color:#5f5e5a;margin-bottom:8px;}
.ffm-iv-cross ul{margin:0;}
.ffm-iv-sources{background:#f8f7f3;border-radius:8px;padding:22px 24px;margin:24px 0;font-size:13px;}
.ffm-iv-sources h2{font-size:17px;margin:0 0 12px;border-bottom:0;padding-bottom:0;}
.ffm-iv-sources table{font-size:12px;}
.ffm-iv-sources a{word-break:break-all;}
.ffm-iv-stand{font-size:13px;color:#888780;margin:24px 0 0;}
.ffm-iv-footer{border-top:1px solid #e8e8e3;margin-top:28px;padding-top:18px;font-size:13px;color:#888780;text-align:center;}
@media(max-width:640px){.ffm-iv-toc ul{column-count:1;}.ffm-iv-banner-content{flex-direction:column;align-items:flex-start;}.ffm-iv-author{padding:20px;}}



.ffm-iv-w{--ffm-iv-w-primary:#1d4e89;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;font-size:14px;color:#2c2c2a;}
.ffm-iv-w *{box-sizing:border-box;}
.ffm-iv-w-title{font-size:21px;font-weight:600;color:var(--ffm-iv-w-primary);margin:0 0 6px;}
.ffm-iv-w-sub{font-size:14px;color:#5f5e5a;margin:0 0 20px;}
.ffm-iv-w-step{margin-bottom:20px;}
.ffm-iv-w-label{font-size:14px;font-weight:600;margin:0 0 10px;}
.ffm-iv-w-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:8px;}
.ffm-iv-w-opt{padding:12px 14px;font-size:13px;background:#fff;border:1px solid #d3d1c7;border-radius:4px;cursor:pointer;text-align:left;font-family:inherit;color:#2c2c2a;transition:all .15s;}
.ffm-iv-w-opt:hover{border-color:var(--ffm-iv-w-primary);background:#f8f9fb;}
.ffm-iv-w-opt.active{background:var(--ffm-iv-w-primary);color:#fff;border-color:var(--ffm-iv-w-primary);}
.ffm-iv-w-hint{font-size:12px;color:#888780;margin:6px 0 0;line-height:1.5;}
.ffm-iv-w-result{margin-top:20px;}
.ffm-iv-w-empf{background:#e6f1fb;border-left:4px solid var(--ffm-iv-w-primary);border-radius:8px;padding:16px 20px;margin-bottom:12px;}
.ffm-iv-w-empf-label{font-size:12px;font-weight:600;color:var(--ffm-iv-w-primary);margin-bottom:4px;}
.ffm-iv-w-empf-titel{font-size:18px;font-weight:600;color:#2c2c2a;margin:0 0 6px;}
.ffm-iv-w-empf-text{font-size:14px;line-height:1.55;margin:0;color:#2c2c2a;}
.ffm-iv-w-box{background:#fff;border:1px solid #d3d1c7;border-radius:6px;padding:14px 18px;margin-bottom:12px;}
.ffm-iv-w-box-title{font-size:13px;font-weight:600;margin:0 0 8px;color:#2c2c2a;}
.ffm-iv-w-box ul{margin:0;padding-left:18px;font-size:13px;line-height:1.6;}
.ffm-iv-w-box li{margin-bottom:5px;}
.ffm-iv-w-kontakt{background:var(--ffm-iv-w-primary);border-radius:8px;padding:18px 22px;margin-bottom:12px;color:#fff;}
.ffm-iv-w-kontakt-cta{font-size:17px;font-weight:600;margin:0 0 10px;}
.ffm-iv-w-kontakt-name{font-size:15px;font-weight:600;margin-bottom:6px;}
.ffm-iv-w-kontakt-info{font-size:13px;line-height:1.7;opacity:.95;margin:0;}
.ffm-iv-w-btns{margin-top:12px;display:flex;gap:8px;flex-wrap:wrap;}
.ffm-iv-w-btn-call{background:#fff;color:var(--ffm-iv-w-primary);padding:10px 18px;border-radius:4px;text-decoration:none;font-size:14px;font-weight:600;display:inline-block;}
.ffm-iv-w-btn-mail{background:rgba(255,255,255,.15);color:#fff;padding:10px 18px;border-radius:4px;text-decoration:none;font-size:14px;font-weight:600;display:inline-block;border:1px solid rgba(255,255,255,.4);}
.ffm-iv-w-reset{width:100%;padding:10px;background:#fff;border:1px solid #d3d1c7;border-radius:4px;font-family:inherit;font-size:13px;cursor:pointer;}
.ffm-iv-w-disc{font-size:11px;color:#888780;text-align:center;margin-top:12px;line-height:1.5;}