@font-face{font-family:Poppins;font-style:normal;font-weight:400;font-display:swap;src:url(https://www.trustomat.de/fonts/poppins-400-latin.woff2) format('woff2')}
@font-face{font-family:Poppins;font-style:normal;font-weight:500;font-display:swap;src:url(https://www.trustomat.de/fonts/poppins-500-latin.woff2) format('woff2')}
@font-face{font-family:Poppins;font-style:normal;font-weight:600;font-display:swap;src:url(https://www.trustomat.de/fonts/poppins-600-latin.woff2) format('woff2')}
@font-face{font-family:Poppins;font-style:normal;font-weight:700;font-display:swap;src:url(https://www.trustomat.de/fonts/poppins-700-latin.woff2) format('woff2')}
.tmr-site,.tmr-inset{--color-primary:#2D599F;--color-primary-hover:#254A86;--color-primary-pressed:#1E3D6E;--color-primary-soft:#B0CAF2;--color-primary-softer:#E3ECF9;--color-navy:#12234F;--color-text:#09122A;--color-text-muted:#5C5C5C;--color-bg-soft:#FCFCFD;--color-bg-muted:#F7F7F8;--color-divider-soft:#E5E5E7;--font-sans:Poppins,system-ui,-apple-system,'Segoe UI',sans-serif;--radius-button:12px;--radius-card:16px;--radius-panel:24px;font-family:var(--font-sans);color:var(--color-text);font-size:16px;line-height:1.7}
.tmr-site{margin:0;background:var(--color-bg-soft)}
.tmr-site,.tmr-inset{overflow-wrap:anywhere}
.tmr-site *,.tmr-inset *{box-sizing:border-box;min-width:0}
.tmr-site a,.tmr-inset a{color:var(--color-primary);text-underline-offset:.23em}
.tmr-site a:hover,.tmr-inset a:hover{color:var(--color-primary-hover)}
.tmr-site a:focus-visible,.tmr-site button:focus-visible,.tmr-site input:focus-visible,.tmr-site summary:focus-visible,.tmr-inset a:focus-visible{outline:3px solid #2D599F;outline-offset:5px}
.tmr-site h1,.tmr-site h2,.tmr-site h3,.tmr-inset h2,.tmr-inset h3{font-family:var(--font-sans);font-weight:600;letter-spacing:-.025em;line-height:1.2;margin:0 0 20px;text-wrap:balance;overflow-wrap:anywhere}
.tmr-site h1{font-size:clamp(36px,4.5vw,64px);font-weight:600}
.tmr-site h2,.tmr-inset h2{font-size:clamp(25px,2.9vw,36px)}
.tmr-site h3,.tmr-inset h3{font-size:21px}
.tmr-site p,.tmr-inset p{margin:0 0 20px}
.tmr-site button,.tmr-site input{font:inherit}
.tmr-container{width:min(1180px,calc(100% - 64px));margin-inline:auto}
.tmr-header{background:var(--color-bg-soft);border-bottom:1px solid var(--color-divider-soft)}
.tmr-nav{display:flex;align-items:center;gap:40px;min-height:88px}
.tmr-logo{display:flex;align-items:center;margin-right:auto;width:158px;flex-shrink:0}
.tmr-logo img{width:100%;height:40px;object-fit:contain}
.tmr-nav nav{display:flex;gap:28px}
.tmr-nav nav a{color:var(--color-text);text-decoration:none;font-size:14px;font-weight:500}
.tmr-nav-cta{padding:12px 18px;border:1px solid #C6D2E4;border-radius:12px;font-size:13px;font-weight:500;text-decoration:none;white-space:nowrap}
.tmr-skip{position:absolute;top:-100px;left:16px;padding:12px;background:#fff;z-index:100}
.tmr-skip:focus{top:12px}
.tmr-hero{background:var(--color-navy);color:#fff;padding:30px 0 78px}
.tmr-hero-grid{display:grid;grid-template-columns:minmax(0,1.7fr) minmax(260px,1fr);gap:80px;align-items:center;padding-top:34px}
.tmr-hero h1{font-size:clamp(40px,4.8vw,66px);line-height:1.12}
.tmr-hero h1 span{color:var(--color-primary-soft)}
.tmr-hero .tmr-lead{color:#DCE5F6;font-size:18px;max-width:630px}
.tmr-eyebrow,.tmr-label{display:block;font-size:12px;font-weight:600;letter-spacing:.09em;line-height:1.5;text-transform:uppercase;margin-bottom:18px;color:var(--color-primary)}
.tmr-hero .tmr-eyebrow,.tmr-hero .tmr-label{color:#B0CAF2}
.tmr-hero .tmr-light-link{color:#fff;display:inline-flex;gap:20px;font-weight:500;text-decoration:none;margin-top:18px}
.tmr-hero-note{padding:34px;border:1px solid #526184;border-radius:24px;align-self:end;background:rgba(255,255,255,.025)}
.tmr-hero-note p{font-size:21px;line-height:1.65;margin-bottom:34px}
.tmr-note-bottom{padding-top:20px;border-top:1px solid #526184;font-size:13px;color:#C4D4EC}
.tmr-breadcrumb{display:flex;gap:10px;flex-wrap:wrap;font-size:12px;margin-bottom:36px;color:var(--color-text-muted)}
.tmr-hero .tmr-breadcrumb,.tmr-hero .tmr-breadcrumb a{color:#CBD8ED}
.tmr-breadcrumb a{text-decoration:none}
.tmr-section{padding-top:76px;padding-bottom:76px}
.tmr-section-head{display:flex;justify-content:space-between;align-items:end;gap:25px;margin-bottom:34px}
.tmr-section-head h2{margin-bottom:0}
.tmr-section-head .tmr-label{margin-bottom:12px}
.tmr-topics{display:flex;gap:8px;flex-wrap:wrap}
.tmr-topics a{font-size:12px;padding:8px 12px;border:1px solid #D4DCE8;border-radius:999px;text-decoration:none}
.tmr-topics a[aria-current=page]{background:var(--color-navy);color:#fff;border-color:var(--color-navy)}
.tmr-card-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.tmr-card{display:flex;flex-direction:column;background:#F7F7F8;border:1px solid #E1E5EC;border-radius:16px;padding:32px;text-decoration:none!important;color:var(--color-text)!important;transition:background .18s,border-color .18s}
.tmr-card:hover{background:#EFF3F9;border-color:#BACBE3}
.tmr-card .tmr-label{margin-bottom:20px}
.tmr-card h3{margin-bottom:16px;line-height:1.35;font-size:24px}
.tmr-card p{color:var(--color-text-muted);font-size:14px;line-height:1.75;margin-bottom:28px}
.tmr-card-link{margin-top:auto;padding-top:18px;border-top:1px solid #DAE0E8;color:var(--color-primary);display:flex;justify-content:space-between;font-size:13px;font-weight:500}
.tmr-contact-band{display:grid;grid-template-columns:1fr 1.15fr;gap:70px;border-top:1px solid #DAE0E8}
.tmr-contact-band>div>p{max-width:460px;color:var(--color-text-muted)}
.tmr-profile{display:flex;gap:20px;align-items:start;margin:0 0 24px}
.tmr-monogram{display:flex;align-items:center;justify-content:center;flex-shrink:0;width:58px;height:58px;background:#E3ECF9;color:var(--color-navy);border-radius:16px;font-size:18px;font-weight:600}
.tmr-profile .tmr-label{font-size:10px;margin-bottom:6px;letter-spacing:.06em}
.tmr-profile h3{font-size:18px;margin-bottom:5px;line-height:1.4}
.tmr-profile h3 a{text-decoration:none;color:var(--color-text)}
.tmr-profile p{font-size:13px;line-height:1.7;color:var(--color-text-muted);margin:0}
.tmr-footer{background:var(--color-navy);color:#DCE5F6;padding:56px 0 32px}
.tmr-footer a{color:#DCE5F6}
.tmr-footer-top{display:flex;justify-content:space-between;gap:32px;padding-bottom:25px;border-bottom:1px solid #455576;margin-bottom:28px}
.tmr-footer-top strong{color:#fff;font-size:23px;font-weight:500;display:block;margin-bottom:12px}
.tmr-footer nav{display:grid;gap:10px;align-content:start;font-size:13px}
.tmr-small{font-size:12px;line-height:1.8}
.tmr-lead{font-size:19px;line-height:1.75;max-width:780px;color:var(--color-text-muted)}
.tmr-article-hero{background:#EDF2F9;padding:28px 0 44px}
.tmr-article-hero h1{max-width:960px;font-size:clamp(34px,4.1vw,56px)}
.tmr-article-hero .tmr-lead{max-width:850px;font-size:18px}
.tmr-meta{font-size:12px;color:var(--color-text-muted);margin-bottom:0!important}
.tmr-reading-layout{display:grid;grid-template-columns:minmax(0,760px) minmax(0,270px);gap:90px;padding-top:48px}
.tmr-article{font-size:16px;line-height:1.85}
.tmr-article section{margin-top:48px;scroll-margin-top:24px}
.tmr-article h2{font-size:28px;line-height:1.35;margin-bottom:22px}
.tmr-article li{margin-bottom:12px}
.tmr-article ul,.tmr-article ol{padding-left:24px}
.tmr-takeaway{padding:28px 30px;border:1px solid #CBD9EB;border-left:4px solid #2D599F;background:#F0F4FA;border-radius:0 16px 16px 0}
.tmr-takeaway p{margin:0;font-size:17px;font-weight:500;line-height:1.75}
.tmr-takeaway .tmr-label{margin-bottom:12px}
.tmr-sticky{position:sticky;top:28px;padding-top:8px}
.tmr-sidebar nav{display:grid;gap:16px;padding-bottom:28px;border-bottom:1px solid #D4DCE8}
.tmr-sidebar nav a{color:#46526C;text-decoration:none;font-size:13px;line-height:1.5}
.tmr-sidebar-contact{padding-top:28px}
.tmr-sidebar-contact .tmr-profile{display:block}
.tmr-sidebar-contact .tmr-monogram{margin-bottom:16px}
.tmr-sidebar-contact>a,.tmr-print{font-size:12px}
.tmr-print{display:block;margin-top:24px;border:0;background:transparent;padding:0;color:#56627C;cursor:pointer;text-decoration:underline;text-underline-offset:3px}
.tmr-site .source-ref{display:block;font-size:12px;line-height:1.6;margin-top:10px}
.tmr-site .callout{padding:24px;background:#EEF2F8;border-radius:16px;font-size:15px;margin:24px 0}
.tmr-site .table-wrap{overflow:auto;border:1px solid #DAE0E8;border-radius:12px;margin:24px 0}
.tmr-site table{border-collapse:collapse;width:100%;font-size:14px;line-height:1.7}
.tmr-site th,.tmr-site td{text-align:left;vertical-align:top;padding:16px;border-bottom:1px solid #DAE0E8}
.tmr-site th{background:#E9EFF7;font-weight:600}
.tmr-site tr:last-child td{border-bottom:0}
.tmr-site details{border-top:1px solid #D4DCE8;padding:19px 0}
.tmr-site details:last-child{border-bottom:1px solid #D4DCE8}
.tmr-site summary{font-weight:500;cursor:pointer;line-height:1.55}
.tmr-site details p{font-size:15px;margin:18px 0 0}
.tmr-sources{padding-top:30px;border-top:1px solid #D4DCE8;font-size:13px;line-height:1.8;color:var(--color-text-muted)}
.tmr-sources h2{font-size:22px}
.tmr-next{background:#F0F4FA;padding:32px;border-radius:24px;margin-bottom:30px}
.tmr-button{display:inline-flex;align-items:center;justify-content:center;gap:24px;background:var(--color-primary);color:#fff!important;padding:14px 20px;border:0;border-radius:12px;font-size:14px;font-weight:500;text-decoration:none;cursor:pointer;transition:background .18s}
.tmr-button:hover{background:var(--color-primary-hover)}
.tmr-button:active{transform:translateY(1px);background:var(--color-primary-pressed)}
.tmr-next>.tmr-button{margin:6px 0 20px}
.tmr-next>p:last-child{margin:0}
.tmr-calculator{background:#EEF3FA;border:1px solid #C7D5E8;border-radius:24px;padding:28px;margin:24px 0}
.tmr-calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:24px}
.tmr-calc-fields label{display:flex;flex-direction:column;gap:9px;font-size:13px;line-height:1.55;font-weight:500}
.tmr-calc-fields input{width:100%;margin-top:auto;padding:12px;border:1px solid #A4B4CE;background:#FCFCFD;border-radius:12px;color:var(--color-text);font-size:16px}
.tmr-calc-result:not(:empty){border-top:1px solid #C7D5E8;padding-top:22px;margin-top:24px;font-size:13px;line-height:1.65}
.tmr-calc-result strong{display:block;font-size:40px;font-weight:600;color:var(--color-navy);line-height:1.3;margin:8px 0 18px}
.tmr-calc-result p{margin:0}
.tmr-calc-error{color:#9F2630;font-size:13px;margin:16px 0 0!important}
.tmr-editorial{max-width:850px}
.tmr-editorial h2{margin-top:42px;font-size:26px}
.tmr-editorial-note{padding:30px;background:#EFF3F9;border-radius:16px;margin:45px 0}
.tmr-editorial-note h2{font-size:26px}
.tmr-inset{background:#FCFCFD;padding:70px 24px;clear:both}
.tmr-inset>div{max-width:1100px;margin:auto}
.tmr-inset .tmr-card-grid{margin:30px 0}
.tmr-inset .tmr-profiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;margin-top:35px}
.tmr-inset .tmr-profiles .tmr-profile{display:block}
.tmr-inset .tmr-profiles .tmr-monogram{margin-bottom:18px}
@media(max-width:1000px){.tmr-hero-grid{gap:40px;grid-template-columns:1.5fr 1fr}.tmr-section-head{display:block}.tmr-topics{margin-top:24px}.tmr-reading-layout{gap:35px;grid-template-columns:minmax(0,1fr) 220px}.tmr-nav{gap:24px}.tmr-nav nav{gap:18px}}
@media(max-width:760px){.tmr-container{width:calc(100% - 36px)}.tmr-nav{gap:14px;min-height:74px;flex-wrap:wrap;padding-block:16px}.tmr-logo{width:125px}.tmr-nav nav{order:3;width:100%;gap:24px;padding-top:6px}.tmr-nav-cta{font-size:11px;padding:9px 11px}.tmr-hero{padding-bottom:42px}.tmr-hero-grid{display:block;padding-top:6px}.tmr-hero h1{font-size:clamp(32px,10vw,42px)}.tmr-hero .tmr-lead{font-size:16px}.tmr-hero-note{margin-top:36px;padding:24px}.tmr-hero-note p{font-size:19px;margin-bottom:20px}.tmr-card-grid{grid-template-columns:1fr;gap:18px}.tmr-card{padding:25px}.tmr-card h3{font-size:23px}.tmr-section{padding-top:48px;padding-bottom:48px}.tmr-contact-band{grid-template-columns:1fr;gap:28px}.tmr-footer-top{display:block}.tmr-footer nav{margin-top:30px}.tmr-reading-layout{display:block;padding-top:30px}.tmr-sidebar{display:none}.tmr-article section{margin-top:36px}.tmr-article h2{font-size:25px}.tmr-takeaway{padding:23px}.tmr-article-hero h1{font-size:36px}.tmr-article-hero .tmr-lead{font-size:16px}.tmr-next{padding:24px}.tmr-calculator{padding:22px}.tmr-calc-fields{grid-template-columns:1fr}.tmr-inset{padding:48px 18px}.tmr-inset .tmr-profiles{grid-template-columns:1fr}.tmr-inset .tmr-profiles .tmr-profile{display:flex}.tmr-breadcrumb{margin-bottom:28px}}
@media(max-width:360px){.tmr-nav{gap:10px}.tmr-logo{width:112px}.tmr-profile{gap:12px}.tmr-monogram{width:46px;height:46px}}
@media(prefers-reduced-motion:reduce){.tmr-site *,.tmr-inset *{transition:none!important;scroll-behavior:auto!important}}
@media print{.tmr-header,.tmr-footer,.tmr-sidebar,.tmr-next,.tmr-print,.tmr-button,.tmr-section:not(.tmr-editorial){display:none!important}.tmr-container{width:100%}.tmr-reading-layout{display:block}.tmr-article-hero{background:none;padding:0}.tmr-article-hero h1{font-size:28px}.tmr-article{font-size:11pt}.tmr-site h2{font-size:18pt}.tmr-site details{break-inside:avoid}.tmr-site details:not([open])>p{display:block}.tmr-site a{color:#12234F}.tmr-calculator{break-inside:avoid}}