/* v3.9.12 – BMF page presentation only */
.bmf-tool-section{padding-top:34px}
.bmf-tool-card{max-width:980px;margin:0 auto;padding:34px;border:1px solid #cfe0f7;border-radius:26px;background:#fff;box-shadow:var(--shadow)}
.bmf-tool-head{max-width:720px;margin-bottom:28px}
.bmf-tool-head h2{font-size:clamp(28px,3.4vw,42px);line-height:1.12;letter-spacing:-.03em;margin:8px 0 10px}
.bmf-tool-head p{margin:0;color:var(--muted)}
.bmf-fields{display:grid;grid-template-columns:1.15fr 1.15fr .9fr .8fr;gap:14px;margin-bottom:22px}
.bmf-fields label{display:grid;gap:8px;font-weight:700;font-size:13px;color:var(--ink-2)}
.bmf-fields input,.bmf-fields select{width:100%;min-width:0;padding:14px;border:1px solid var(--line-strong);border-radius:12px;background:white;color:var(--ink);font:inherit;transition:border-color .15s ease,box-shadow .15s ease}
.bmf-fields input:focus,.bmf-fields select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(23,105,232,.10);outline:0}
.bmf-result{margin-top:24px;padding:24px;border:1px solid #cfe0f7;border-radius:18px;background:var(--blue-soft);overflow-wrap:anywhere}
.bmf-result strong{font-size:1.55rem;color:var(--ink)}.bmf-result small{display:block;margin-top:14px;color:var(--muted)}
.guide-copy a:not(.button){text-decoration:underline}.guide-note{margin-left:0;margin-right:0}
.bmf-conversion-section{padding:28px 0 68px}
.bmf-conversion-card{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:34px;padding:32px 36px;border-radius:24px;background:var(--ink);color:#fff;box-shadow:var(--shadow)}
.bmf-conversion-card h2{margin:7px 0 8px;font-size:clamp(27px,3vw,38px);line-height:1.12;letter-spacing:-.03em}.bmf-conversion-card p{max-width:720px;margin:8px 0;color:#c8d5e3}.bmf-conversion-card strong{color:#fff}.bmf-conversion-card .kicker{color:#9fc3ff}.bmf-conversion-card .button{white-space:nowrap}
.bmf-compare-card{max-width:940px;padding:34px 38px;border:1px solid #d7e4f4;border-radius:24px;background:linear-gradient(145deg,#f3f8ff,#fff);box-shadow:var(--shadow-soft)}
.bmf-compare-card .guide-copy{max-width:820px}
@media(max-width:800px){.bmf-fields{grid-template-columns:1fr 1fr}.bmf-conversion-card{grid-template-columns:1fr;align-items:start}.bmf-tool-card,.bmf-compare-card{padding:26px 22px}}
@media(max-width:540px){.bmf-fields{grid-template-columns:1fr}.bmf-tool-card{padding:22px 18px}.bmf-conversion-card{padding:26px 22px}.bmf-compare-card{padding:24px 20px}}

/* v3.9.13 – restrained editorial hierarchy */
.guide-section{padding-top:52px;padding-bottom:52px}
.guide-section .guide-copy>h2{font-size:clamp(30px,3.2vw,44px);line-height:1.12;letter-spacing:-.03em;margin-bottom:18px}
.guide-section .guide-copy>p{max-width:980px}
.bmf-source-button{display:inline-flex;width:auto;max-width:100%;margin-top:8px}
.guide-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
@media(max-width:540px){.guide-section{padding-top:40px;padding-bottom:40px}.guide-section .guide-copy>h2{font-size:clamp(28px,9vw,36px)}}

/* v3.9.30 – G03 BMF specialist SEO page */
.bmf-hero .guide-hero-inner{max-width:980px}
.bmf-hero-facts{display:flex;flex-wrap:wrap;gap:9px;margin-top:24px}
.bmf-hero-facts span{display:inline-flex;align-items:center;min-height:34px;padding:7px 12px;border:1px solid #d6e3f4;border-radius:999px;background:rgba(255,255,255,.72);color:var(--ink-2);font-size:13px;font-weight:750}
.bmf-intro-section .guide-copy,.bmf-page #verwendung .guide-copy,.bmf-page #bmf-vs-ezb .guide-copy,.bmf-page #berechnung .guide-copy,.bmf-page #jahre .guide-copy,.bmf-page #mehrere-zufluesse .guide-copy,.bmf-page #faq .guide-copy,.bmf-sources-section .guide-copy{max-width:980px;margin-left:auto;margin-right:auto}
.bmf-definition{margin-top:26px;padding:20px 22px;border-left:4px solid var(--blue);background:var(--blue-soft);color:var(--ink-2);line-height:1.65}
.bmf-compare-table-wrap{margin:28px 0 20px;overflow-x:auto;border:1px solid #d8e3ef;border-radius:18px;background:#fff;box-shadow:var(--shadow-soft)}
.bmf-compare-table{width:100%;min-width:720px;border-collapse:collapse;text-align:left}
.bmf-compare-table th,.bmf-compare-table td{padding:18px 20px;border-bottom:1px solid #e4ebf3;vertical-align:top;line-height:1.5}
.bmf-compare-table thead th{background:#f5f8fc;color:var(--ink);font-size:13px;letter-spacing:.02em}
.bmf-compare-table tbody th{width:19%;color:var(--ink);font-size:14px}
.bmf-compare-table tbody td{color:var(--muted)}
.bmf-compare-table tr:last-child th,.bmf-compare-table tr:last-child td{border-bottom:0}
.bmf-table-note{font-size:15px;color:var(--muted)}
.bmf-example-card{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:28px;align-items:center;margin:28px 0;padding:28px 30px;border:1px solid #d7e4f4;border-radius:22px;background:linear-gradient(145deg,#f3f8ff,#fff);box-shadow:var(--shadow-soft)}
.bmf-example-card div{display:grid;gap:8px}.bmf-example-card strong{font-size:clamp(21px,2.2vw,29px);line-height:1.25;color:var(--ink)}.bmf-example-card p{margin:0;color:var(--muted)}
.bmf-example-label{font-size:12px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--blue)}
.bmf-year-grid{display:flex;flex-wrap:wrap;gap:8px;margin:24px 0}
.bmf-year-grid span{display:inline-flex;justify-content:center;min-width:62px;padding:9px 12px;border:1px solid #d8e3ef;border-radius:10px;background:#fff;color:var(--ink-2);font-size:14px;font-weight:700}
.bmf-product-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:28px 0}
.bmf-product-point{display:grid;gap:7px;padding:22px;border:1px solid #d8e3ef;border-radius:18px;background:#fff}.bmf-product-point strong{color:var(--ink);font-size:17px}.bmf-product-point span{color:var(--muted);line-height:1.55}
.bmf-privacy-line{margin-top:18px;font-size:14px;color:var(--muted)}
.bmf-faq{display:grid;gap:10px;margin-top:26px}
.bmf-faq details{border:1px solid #d8e3ef;border-radius:16px;background:#fff;padding:0 20px}
.bmf-faq summary{cursor:pointer;padding:18px 0;color:var(--ink);font-weight:750;list-style-position:outside}
.bmf-faq details p{margin:0;padding:0 0 20px;color:var(--muted);line-height:1.65}
.bmf-sources-section{background:#f7f9fc}
.bmf-source-links{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:26px 0}
.bmf-source-links a{display:grid;gap:5px;padding:20px;border:1px solid #d8e3ef;border-radius:16px;background:#fff;text-decoration:none!important;transition:transform .15s ease,border-color .15s ease}
.bmf-source-links a:hover{transform:translateY(-1px);border-color:#b8cce6}.bmf-source-links strong{color:var(--ink)}.bmf-source-links span{color:var(--muted);font-size:14px;line-height:1.45}
.bmf-disclaimer{font-size:14px;color:var(--muted)}
@media(max-width:800px){.bmf-example-card{grid-template-columns:1fr}.bmf-product-grid{grid-template-columns:1fr}.bmf-source-links{grid-template-columns:1fr}}
@media(max-width:540px){.bmf-hero-facts{gap:7px}.bmf-hero-facts span{font-size:12px}.bmf-example-card{padding:22px 20px}.bmf-year-grid span{min-width:56px}.bmf-compare-table th,.bmf-compare-table td{padding:15px 16px}}