{"id":7,"date":"2026-03-17T15:12:28","date_gmt":"2026-03-17T14:12:28","guid":{"rendered":"https:\/\/milad-gholampour.de\/?page_id=7"},"modified":"2026-03-25T11:33:11","modified_gmt":"2026-03-25T10:33:11","slug":"start","status":"publish","type":"page","link":"https:\/\/milad-gholampour.de\/","title":{"rendered":"start"},"content":{"rendered":"

[et_pb_section fb_built=“1″ fullwidth=“on“ _builder_version=“4.27.5″ _module_preset=“default“ global_colors_info=“{}“][et_pb_fullwidth_code _builder_version=“4.27.5″ _module_preset=“default“ hover_enabled=“0″ global_colors_info=“{}“ sticky_enabled=“0″]Milad Gholampour \u2013 Retirement & Financing for Expats in Germany<\/title><!-- [et_pb_line_break_holder] --><link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\"><!-- [et_pb_line_break_holder] --><link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin><!-- [et_pb_line_break_holder] --><link href=\"https:\/\/fonts.googleapis.com\/css2?family=Bricolage+Grotesque:opsz,wght@12..96,400;12..96,500;12..96,600;12..96,700;12..96,800&family=DM+Sans:ital,wght@0,300;0,400;0,500;0,600;1,400&display=swap\" rel=\"stylesheet\"><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}<!-- [et_pb_line_break_holder] -->:root{<!-- [et_pb_line_break_holder] --> --ink:#060e1c;--ink2:#0c1828;--ink3:#111f34;<!-- [et_pb_line_break_holder] --> --mist:#5a7494;--silver:#8aaabf;--white:#f0f6ff;<!-- [et_pb_line_break_holder] --> --blue:#1a56a0;--blue2:#2471c8;--blue3:#5298e0;<!-- [et_pb_line_break_holder] --> --blue-bg:rgba(36,113,200,.1);--blue-b:rgba(36,113,200,.28);<!-- [et_pb_line_break_holder] --> --shadow:0 32px 80px rgba(0,0,0,.6);<!-- [et_pb_line_break_holder] --> --r:16px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->html{scroll-behavior:smooth;scroll-snap-type:y mandatory}<!-- [et_pb_line_break_holder] -->body{font-family:'DM Sans',sans-serif;background:var(--ink);color:var(--white);overflow-x:hidden;-webkit-font-smoothing:antialiased}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 NAV \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->nav{position:fixed;top:0;left:0;width:100%;z-index:200;padding:16px 5vw;display:flex;align-items:center;justify-content:space-between;background:rgba(6,14,28,.88);backdrop-filter:blur(20px);border-bottom:1px solid rgba(255,255,255,.06)}<!-- [et_pb_line_break_holder] -->.nl{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--white)}<!-- [et_pb_line_break_holder] -->.nb{width:34px;height:34px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--blue2));display:grid;place-items:center;font-family:'Bricolage Grotesque',sans-serif;font-weight:800;font-size:11px;color:#fff}<!-- [et_pb_line_break_holder] -->.nl span{font-weight:600;font-size:14px}<!-- [et_pb_line_break_holder] -->.nright{display:flex;align-items:center;gap:28px}<!-- [et_pb_line_break_holder] -->.nlinks{display:flex;align-items:center;gap:28px}<!-- [et_pb_line_break_holder] -->.nlinks a{color:var(--silver);text-decoration:none;font-size:13px;font-weight:500;transition:color .2s}<!-- [et_pb_line_break_holder] -->.nlinks a:hover{color:var(--white)}<!-- [et_pb_line_break_holder] -->.ncta{background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff!important;padding:9px 20px;border-radius:100px;font-weight:700!important;font-size:13px!important;transition:opacity .2s,transform .2s;white-space:nowrap;text-decoration:none;display:inline-block}<!-- [et_pb_line_break_holder] -->.ncta:hover{opacity:.88;transform:translateY(-1px)}<!-- [et_pb_line_break_holder] -->.nav-name{font-weight:600;font-size:14px}<!-- [et_pb_line_break_holder] -->@media(max-width:640px){.nav-name{display:none}}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Lang *\/<!-- [et_pb_line_break_holder] -->.nlang{position:relative}<!-- [et_pb_line_break_holder] -->.nlang-trigger{display:flex;align-items:center;gap:5px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.09);border-radius:100px;padding:5px 12px;cursor:pointer;font-size:12px;font-weight:700;color:var(--white);font-family:'DM Sans',sans-serif;user-select:none;letter-spacing:.04em;transition:border-color .2s,background .2s}<!-- [et_pb_line_break_holder] -->.nlang-trigger:hover{border-color:rgba(255,255,255,.2);background:rgba(255,255,255,.08)}<!-- [et_pb_line_break_holder] -->.nlang-trigger svg{color:var(--mist);transition:transform .2s}<!-- [et_pb_line_break_holder] -->.nlang.open .nlang-trigger svg{transform:rotate(180deg)}<!-- [et_pb_line_break_holder] -->.nlang-dropdown{position:absolute;top:calc(100% + 8px);right:0;background:rgba(11,20,36,.97);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:5px;min-width:140px;box-shadow:0 16px 48px rgba(0,0,0,.6);opacity:0;transform:translateY(-6px) scale(.97);pointer-events:none;transition:opacity .18s,transform .18s;z-index:300}<!-- [et_pb_line_break_holder] -->.nlang.open .nlang-dropdown{opacity:1;transform:translateY(0) scale(1);pointer-events:all}<!-- [et_pb_line_break_holder] -->.nlang-option{display:flex;align-items:center;gap:9px;padding:8px 11px;border-radius:8px;cursor:pointer;transition:background .15s;font-size:12px;font-weight:500;color:var(--silver);font-family:'DM Sans',sans-serif}<!-- [et_pb_line_break_holder] -->.nlang-option:hover{background:rgba(255,255,255,.07);color:var(--white)}<!-- [et_pb_line_break_holder] -->.nlang-option.active{background:var(--blue-bg);color:var(--blue3)}<!-- [et_pb_line_break_holder] -->.nlang-option span{flex:1}<!-- [et_pb_line_break_holder] -->.nlang-check{width:13px;height:13px;border-radius:50%;background:var(--blue2);display:none;place-items:center;flex-shrink:0}<!-- [et_pb_line_break_holder] -->.nlang-option.active .nlang-check{display:grid}<!-- [et_pb_line_break_holder] -->.nlang-check svg{width:7px;height:7px;color:#fff}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550<!-- [et_pb_line_break_holder] --> HERO \u2014 WOW OPTIMIZED<!-- [et_pb_line_break_holder] --> \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->#hero{<!-- [et_pb_line_break_holder] --> scroll-snap-align:start;scroll-snap-stop:always;<!-- [et_pb_line_break_holder] --> min-height:100svh;<!-- [et_pb_line_break_holder] --> display:grid;<!-- [et_pb_line_break_holder] --> grid-template-columns:1fr 1fr;<!-- [et_pb_line_break_holder] --> align-items:center;<!-- [et_pb_line_break_holder] --> padding:88px 5vw 60px;<!-- [et_pb_line_break_holder] --> position:relative;<!-- [et_pb_line_break_holder] --> overflow:hidden;<!-- [et_pb_line_break_holder] --> gap:48px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Deep atmospheric base *\/<!-- [et_pb_line_break_holder] -->.hbg{<!-- [et_pb_line_break_holder] --> position:absolute;inset:0;z-index:0;<!-- [et_pb_line_break_holder] --> background:radial-gradient(ellipse 120% 80% at 65% 40%, rgba(18,42,90,.95) 0%, var(--ink) 65%);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/* Edge vignette \u2014 stronger *\/<!-- [et_pb_line_break_holder] -->#hero::after{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;inset:0;z-index:1;pointer-events:none;<!-- [et_pb_line_break_holder] --> background:radial-gradient(ellipse 85% 85% at 50% 50%, transparent 40%, rgba(0,0,0,.75) 100%);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Animated orb 1 \u2014 large right bloom *\/<!-- [et_pb_line_break_holder] -->.hbg::before{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;<!-- [et_pb_line_break_holder] --> top:-30%;right:-18%;<!-- [et_pb_line_break_holder] --> width:90vw;height:90vw;border-radius:50%;<!-- [et_pb_line_break_holder] --> background:radial-gradient(circle,<!-- [et_pb_line_break_holder] --> rgba(36,113,200,.22) 0%,<!-- [et_pb_line_break_holder] --> rgba(26,86,160,.1) 30%,<!-- [et_pb_line_break_holder] --> transparent 65%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] --> animation:orbDrift1 12s ease-in-out infinite alternate;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Orb 2 \u2014 bottom left warm accent *\/<!-- [et_pb_line_break_holder] -->.hbg::after{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;<!-- [et_pb_line_break_holder] --> bottom:-30%;left:-15%;<!-- [et_pb_line_break_holder] --> width:70vw;height:70vw;border-radius:50%;<!-- [et_pb_line_break_holder] --> background:radial-gradient(circle,<!-- [et_pb_line_break_holder] --> rgba(36,113,200,.14) 0%,<!-- [et_pb_line_break_holder] --> rgba(10,40,100,.08) 40%,<!-- [et_pb_line_break_holder] --> transparent 65%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] --> animation:orbDrift2 15s ease-in-out infinite alternate;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->@keyframes orbDrift1{<!-- [et_pb_line_break_holder] --> from{transform:translate(0,0) scale(1)}<!-- [et_pb_line_break_holder] --> to{transform:translate(-3%,4%) scale(1.06)}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@keyframes orbDrift2{<!-- [et_pb_line_break_holder] --> from{transform:translate(0,0) scale(1)}<!-- [et_pb_line_break_holder] --> to{transform:translate(4%,-3%) scale(1.08)}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Extra orb \u2014 center light beam *\/<!-- [et_pb_line_break_holder] -->.hglow{<!-- [et_pb_line_break_holder] --> position:absolute;<!-- [et_pb_line_break_holder] --> top:10%;left:50%;<!-- [et_pb_line_break_holder] --> transform:translateX(-50%);<!-- [et_pb_line_break_holder] --> width:60vw;height:60vw;<!-- [et_pb_line_break_holder] --> border-radius:50%;<!-- [et_pb_line_break_holder] --> background:radial-gradient(ellipse 60% 40% at 50% 30%,<!-- [et_pb_line_break_holder] --> rgba(82,152,224,.08) 0%,<!-- [et_pb_line_break_holder] --> transparent 70%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] --> z-index:1;<!-- [et_pb_line_break_holder] --> animation:glowPulse 6s ease-in-out infinite alternate;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@keyframes glowPulse{<!-- [et_pb_line_break_holder] --> from{opacity:.6;transform:translateX(-50%) scale(1)}<!-- [et_pb_line_break_holder] --> to{opacity:1;transform:translateX(-50%) scale(1.12)}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Video layer \u2014 UPGRADED *\/<!-- [et_pb_line_break_holder] -->.hvid{<!-- [et_pb_line_break_holder] --> position:absolute;inset:0;z-index:0;overflow:hidden;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.hvid video{<!-- [et_pb_line_break_holder] --> width:100%;height:100%;<!-- [et_pb_line_break_holder] --> object-fit:cover;<!-- [et_pb_line_break_holder] --> opacity:.28; \/* \u2191 was .13 \u2014 much more visible *\/<!-- [et_pb_line_break_holder] --> mix-blend-mode:screen;<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] --> filter:saturate(1.4) brightness(1.1); \/* punchier colors *\/<!-- [et_pb_line_break_holder] --> -webkit-mask-image:-webkit-radial-gradient(white,black);<!-- [et_pb_line_break_holder] --> transform:scale(1.04); \/* slight zoom-in to avoid edge bleed *\/<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Cinematic vignette \u2014 soft dark frame that focuses the eye *\/<!-- [et_pb_line_break_holder] -->.hvid::after{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;inset:0;<!-- [et_pb_line_break_holder] --> background:<!-- [et_pb_line_break_holder] --> radial-gradient(ellipse 85% 70% at 50% 45%, transparent 30%, rgba(6,14,28,.55) 100%),<!-- [et_pb_line_break_holder] --> linear-gradient(to bottom, rgba(6,14,28,.35) 0%, transparent 20%, transparent 75%, rgba(6,14,28,.8) 100%),<!-- [et_pb_line_break_holder] --> linear-gradient(to right, rgba(6,14,28,.5) 0%, transparent 20%, transparent 80%, rgba(6,14,28,.5) 100%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Film grain for texture *\/<!-- [et_pb_line_break_holder] -->.hgrain{<!-- [et_pb_line_break_holder] --> position:absolute;inset:0;z-index:1;<!-- [et_pb_line_break_holder] --> opacity:.032;pointer-events:none;<!-- [et_pb_line_break_holder] --> background-image:url(\"data:image\/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='4' stitchTiles='stitch'\/%3E%3C\/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'\/%3E%3C\/svg%3E\");<!-- [et_pb_line_break_holder] --> background-size:160px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Horizontal light sweep \u2014 one-time cinematic reveal *\/<!-- [et_pb_line_break_holder] -->.hsweep{<!-- [et_pb_line_break_holder] --> position:absolute;top:0;left:-100%;<!-- [et_pb_line_break_holder] --> width:60%;height:100%;z-index:2;<!-- [et_pb_line_break_holder] --> background:linear-gradient(90deg,<!-- [et_pb_line_break_holder] --> transparent 0%,<!-- [et_pb_line_break_holder] --> rgba(82,152,224,.04) 40%,<!-- [et_pb_line_break_holder] --> rgba(82,152,224,.08) 50%,<!-- [et_pb_line_break_holder] --> rgba(82,152,224,.04) 60%,<!-- [et_pb_line_break_holder] --> transparent 100%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] --> animation:sweep 2.4s .3s ease-out forwards;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@keyframes sweep{<!-- [et_pb_line_break_holder] --> from{left:-100%;opacity:1}<!-- [et_pb_line_break_holder] --> to{left:120%;opacity:0}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.hleft{position:relative;z-index:2}<!-- [et_pb_line_break_holder] -->.hright{position:relative;z-index:2;display:flex;align-items:center;justify-content:center}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 STAGGERED ENTRANCE ANIMATIONS \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->\/* Each child animates in sequence *\/<!-- [et_pb_line_break_holder] -->.hleft > *{opacity:0;animation:heroReveal .75s ease both}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.hleft .htag {animation-delay:.15s}<!-- [et_pb_line_break_holder] -->.hleft .hh1 {animation-delay:.32s}<!-- [et_pb_line_break_holder] -->.hleft .hsub {animation-delay:.50s}<!-- [et_pb_line_break_holder] -->.hleft .hactions {animation-delay:.65s}<!-- [et_pb_line_break_holder] -->.hleft .hproof {animation-delay:.80s}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->@keyframes heroReveal{<!-- [et_pb_line_break_holder] --> from{opacity:0;transform:translateY(22px);filter:blur(4px)}<!-- [et_pb_line_break_holder] --> to{opacity:1;transform:translateY(0);filter:blur(0)}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Tag *\/<!-- [et_pb_line_break_holder] -->.htag{<!-- [et_pb_line_break_holder] --> display:inline-flex;align-items:center;gap:7px;<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,rgba(36,113,200,.18),rgba(36,113,200,.06));<!-- [et_pb_line_break_holder] --> border:1px solid rgba(82,152,224,.35);<!-- [et_pb_line_break_holder] --> border-radius:100px;padding:6px 14px;<!-- [et_pb_line_break_holder] --> font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;<!-- [et_pb_line_break_holder] --> color:var(--blue3);margin-bottom:22px;<!-- [et_pb_line_break_holder] --> box-shadow:0 0 20px rgba(36,113,200,.15);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.htag::before{<!-- [et_pb_line_break_holder] --> content:'';width:6px;height:6px;border-radius:50%;background:var(--blue2);<!-- [et_pb_line_break_holder] --> animation:pulse 2s infinite;<!-- [et_pb_line_break_holder] --> box-shadow:0 0 6px var(--blue2);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@keyframes pulse{<!-- [et_pb_line_break_holder] --> 0%,100%{opacity:1;transform:scale(1)}<!-- [et_pb_line_break_holder] --> 50%{opacity:.5;transform:scale(.8)}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* H1 \u2014 bigger, bolder glow *\/<!-- [et_pb_line_break_holder] -->.hh1{<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;<!-- [et_pb_line_break_holder] --> font-size:clamp(36px,4.4vw,66px);<!-- [et_pb_line_break_holder] --> font-weight:800;line-height:1.08;letter-spacing:-.028em;<!-- [et_pb_line_break_holder] --> color:var(--white);margin-bottom:22px;<!-- [et_pb_line_break_holder] --> text-shadow:0 2px 40px rgba(36,113,200,.2);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.hh1 span{display:block;white-space:nowrap}<!-- [et_pb_line_break_holder] -->.hh1 .ga{<!-- [et_pb_line_break_holder] --> background:linear-gradient(100deg,#a8d4ff 0%,var(--blue3) 40%,#d0eaff 100%);<!-- [et_pb_line_break_holder] --> -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;<!-- [et_pb_line_break_holder] --> filter:drop-shadow(0 0 28px rgba(82,152,224,.35));<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.hsub{<!-- [et_pb_line_break_holder] --> font-size:16px;line-height:1.75;color:var(--silver);<!-- [et_pb_line_break_holder] --> max-width:480px;margin-bottom:38px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.hactions{display:flex;align-items:center;gap:16px;margin-bottom:44px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Scroll-down CTA *\/<!-- [et_pb_line_break_holder] -->.hero-scroll-cta{<!-- [et_pb_line_break_holder] --> display:inline-flex;align-items:center;gap:10px;<!-- [et_pb_line_break_holder] --> color:var(--silver);font-size:14px;font-weight:500;<!-- [et_pb_line_break_holder] --> text-decoration:none;letter-spacing:.02em;<!-- [et_pb_line_break_holder] --> transition:color .2s,gap .2s;<!-- [et_pb_line_break_holder] --> border:none;background:none;cursor:pointer;padding:0;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.hero-scroll-cta svg{<!-- [et_pb_line_break_holder] --> transition:transform .4s cubic-bezier(.16,1,.3,1);<!-- [et_pb_line_break_holder] --> animation:scrollBounce 2s ease-in-out infinite;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.hero-scroll-cta:hover{color:var(--white);gap:14px}<!-- [et_pb_line_break_holder] -->.hero-scroll-cta:hover svg{animation:none;transform:translateY(4px)}<!-- [et_pb_line_break_holder] -->@keyframes scrollBounce{<!-- [et_pb_line_break_holder] --> 0%,100%{transform:translateY(0)}<!-- [et_pb_line_break_holder] --> 50%{transform:translateY(5px)}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Primary button \u2014 glowing *\/<!-- [et_pb_line_break_holder] -->.bprimary{<!-- [et_pb_line_break_holder] --> display:inline-flex;align-items:center;gap:9px;<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,var(--blue),var(--blue2));<!-- [et_pb_line_break_holder] --> color:#fff;font-weight:700;font-size:15px;font-family:'DM Sans',sans-serif;<!-- [et_pb_line_break_holder] --> padding:15px 28px;border-radius:100px;text-decoration:none;border:none;cursor:pointer;<!-- [et_pb_line_break_holder] --> box-shadow:0 8px 28px rgba(36,113,200,.45),0 0 0 0 rgba(36,113,200,.3);<!-- [et_pb_line_break_holder] --> transition:transform .2s,box-shadow .2s;<!-- [et_pb_line_break_holder] --> position:relative;overflow:hidden;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.bprimary::after{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;inset:0;<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,rgba(255,255,255,.15) 0%,transparent 60%);<!-- [et_pb_line_break_holder] --> pointer-events:none;border-radius:inherit;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.bprimary:hover{<!-- [et_pb_line_break_holder] --> transform:translateY(-3px);<!-- [et_pb_line_break_holder] --> box-shadow:0 18px 48px rgba(36,113,200,.55),0 0 0 4px rgba(36,113,200,.15);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.bghost{<!-- [et_pb_line_break_holder] --> display:inline-flex;align-items:center;gap:7px;<!-- [et_pb_line_break_holder] --> color:var(--silver);font-size:14px;font-weight:500;text-decoration:none;transition:color .2s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.bghost svg{transition:transform .2s}<!-- [et_pb_line_break_holder] -->.bghost:hover{color:var(--white)}<!-- [et_pb_line_break_holder] -->.bghost:hover svg{transform:translateX(3px)}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* proof strip *\/<!-- [et_pb_line_break_holder] -->.hproof{<!-- [et_pb_line_break_holder] --> display:flex;align-items:center;gap:20px;<!-- [et_pb_line_break_holder] --> padding-top:28px;border-top:1px solid rgba(255,255,255,.07);<!-- [et_pb_line_break_holder] --> flex-wrap:wrap;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.hproof-stat strong{<!-- [et_pb_line_break_holder] --> display:block;font-size:20px;font-weight:800;<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;<!-- [et_pb_line_break_holder] --> background:linear-gradient(90deg,var(--blue3),#a8d4ff);<!-- [et_pb_line_break_holder] --> -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;<!-- [et_pb_line_break_holder] --> line-height:1.15;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.hproof-stat span{font-size:11px;color:var(--mist);line-height:1.15}<!-- [et_pb_line_break_holder] -->.hproof-sep{width:1px;height:32px;background:rgba(255,255,255,.08)}<!-- [et_pb_line_break_holder] -->.hproof-avs{display:flex}<!-- [et_pb_line_break_holder] -->.hproof-avs img{<!-- [et_pb_line_break_holder] --> width:32px;height:32px;border-radius:50%;object-fit:cover;<!-- [et_pb_line_break_holder] --> border:2px solid var(--ink);margin-left:-8px;<!-- [et_pb_line_break_holder] --> transition:transform .2s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.hproof-avs img:first-child{margin-left:0}<!-- [et_pb_line_break_holder] -->.hproof-avs img:hover{transform:scale(1.15);z-index:1}<!-- [et_pb_line_break_holder] -->.hproof-txt strong{display:block;font-size:13px;font-weight:600;color:var(--white);line-height:1.15}<!-- [et_pb_line_break_holder] -->.hproof-txt span{font-size:11px;color:var(--mist);line-height:1.15}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 HERO PHOTO CARD \u2014 UPGRADED \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->.pwrap{<!-- [et_pb_line_break_holder] --> position:relative;<!-- [et_pb_line_break_holder] --> width:clamp(280px,28vw,400px);<!-- [et_pb_line_break_holder] --> animation:heroReveal .9s .4s ease both;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Outer glow ring *\/<!-- [et_pb_line_break_holder] -->.pwrap::after{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;<!-- [et_pb_line_break_holder] --> inset:-14px;border-radius:30px;z-index:0;<!-- [et_pb_line_break_holder] --> background:radial-gradient(ellipse at 50% 80%,rgba(36,113,200,.25) 0%,transparent 70%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] --> animation:cardGlow 4s ease-in-out infinite alternate;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@keyframes cardGlow{<!-- [et_pb_line_break_holder] --> from{opacity:.6;transform:scale(.98)}<!-- [et_pb_line_break_holder] --> to{opacity:1;transform:scale(1.02)}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Glass border overlay *\/<!-- [et_pb_line_break_holder] -->.pwrap::before{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;<!-- [et_pb_line_break_holder] --> inset:-1px;border-radius:22px;z-index:2;<!-- [et_pb_line_break_holder] --> border:1px solid rgba(255,255,255,.12);<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,<!-- [et_pb_line_break_holder] --> rgba(255,255,255,.06) 0%,<!-- [et_pb_line_break_holder] --> transparent 40%,<!-- [et_pb_line_break_holder] --> rgba(36,113,200,.1) 100%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] --> box-shadow:<!-- [et_pb_line_break_holder] --> inset 0 1px 0 rgba(255,255,255,.15),<!-- [et_pb_line_break_holder] --> 0 0 0 1px rgba(36,113,200,.18),<!-- [et_pb_line_break_holder] --> 0 24px 80px rgba(0,0,0,.6),<!-- [et_pb_line_break_holder] --> 0 0 60px rgba(36,113,200,.12);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.hphoto{<!-- [et_pb_line_break_holder] --> display:block;width:100%;<!-- [et_pb_line_break_holder] --> height:clamp(360px,44vw,560px);<!-- [et_pb_line_break_holder] --> object-fit:cover;object-position:center 8%;<!-- [et_pb_line_break_holder] --> border-radius:20px;position:relative;z-index:1;<!-- [et_pb_line_break_holder] --> box-shadow:var(--shadow);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Photo color grading overlay \u2014 cinematic blue tint *\/<!-- [et_pb_line_break_holder] -->.hphoto-grade{<!-- [et_pb_line_break_holder] --> position:absolute;inset:0;z-index:2;border-radius:20px;<!-- [et_pb_line_break_holder] --> background:linear-gradient(180deg,<!-- [et_pb_line_break_holder] --> rgba(36,113,200,.06) 0%,<!-- [et_pb_line_break_holder] --> transparent 40%,<!-- [et_pb_line_break_holder] --> rgba(6,14,28,.3) 100%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* floating cards *\/<!-- [et_pb_line_break_holder] -->.fc{<!-- [et_pb_line_break_holder] --> position:absolute;z-index:3;<!-- [et_pb_line_break_holder] --> background:rgba(8,16,30,.88);<!-- [et_pb_line_break_holder] --> backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);<!-- [et_pb_line_break_holder] --> border:1px solid rgba(82,152,224,.18);border-radius:14px;<!-- [et_pb_line_break_holder] --> padding:14px 16px;<!-- [et_pb_line_break_holder] --> box-shadow:0 8px 32px rgba(0,0,0,.5),inset 0 1px 0 rgba(255,255,255,.06);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fc-bl{bottom:24px;left:-14px;animation:fcReveal .6s .9s ease both}<!-- [et_pb_line_break_holder] -->.fc-br{bottom:24px;right:-14px;animation:fcReveal .6s 1.1s ease both;width:210px}<!-- [et_pb_line_break_holder] -->@keyframes fcReveal{<!-- [et_pb_line_break_holder] --> from{opacity:0;transform:translateY(12px) scale(.96)}<!-- [et_pb_line_break_holder] --> to{opacity:1;transform:translateY(0) scale(1)}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fc-label{font-size:9px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#7090b0;margin-bottom:3px}<!-- [et_pb_line_break_holder] -->.fc-val{font-family:'Bricolage Grotesque',sans-serif;font-size:22px;font-weight:800;line-height:1;color:#0a1628}<!-- [et_pb_line_break_holder] -->.fc-val span{color:#2471c8}<!-- [et_pb_line_break_holder] -->.fc-sub{font-size:10px;color:#8aaabf;margin-top:2px}<!-- [et_pb_line_break_holder] -->.fc-row{display:flex;align-items:center;gap:8px}<!-- [et_pb_line_break_holder] -->.fc-stars{display:flex;gap:2px;color:#f59e0b;margin-top:7px}<!-- [et_pb_line_break_holder] -->.fc-stars svg{width:9px;height:9px;fill:#f59e0b}<!-- [et_pb_line_break_holder] -->.fc-name{font-size:12px;color:#0a1628;font-weight:600;line-height:1.3}<!-- [et_pb_line_break_holder] -->.fc-role{font-size:10px;color:#8aaabf}<!-- [et_pb_line_break_holder] -->.fc-quote{font-size:11px;font-style:italic;color:#4a6080;line-height:1.5;margin-bottom:8px}<!-- [et_pb_line_break_holder] -->#rLayerA,#rLayerB{position:absolute;inset:0;transition:opacity .6s ease}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 TICKER \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->.ticker{padding:18px 0;background:var(--ink2);border-top:1px solid rgba(255,255,255,.05);border-bottom:1px solid rgba(255,255,255,.05);overflow:hidden;position:relative}<!-- [et_pb_line_break_holder] -->.ticker::before,.ticker::after{content:'';position:absolute;top:0;width:100px;height:100%;z-index:2;pointer-events:none}<!-- [et_pb_line_break_holder] -->.ticker::before{left:0;background:linear-gradient(90deg,var(--ink2),transparent)}<!-- [et_pb_line_break_holder] -->.ticker::after{right:0;background:linear-gradient(-90deg,var(--ink2),transparent)}<!-- [et_pb_line_break_holder] -->.ttrack{display:flex;align-items:center;animation:slide 40s linear infinite;white-space:nowrap}<!-- [et_pb_line_break_holder] -->.ttrack:hover{animation-play-state:paused}<!-- [et_pb_line_break_holder] -->@keyframes slide{from{transform:translateX(0)}to{transform:translateX(-50%)}}<!-- [et_pb_line_break_holder] -->.fitem{display:inline-flex;align-items:center;gap:8px;padding:0 24px;font-size:12px;font-weight:500;color:var(--mist);border-right:1px solid rgba(255,255,255,.04);transition:color .2s;cursor:default}<!-- [et_pb_line_break_holder] -->.fitem:hover{color:var(--silver)}<!-- [et_pb_line_break_holder] -->.fitem-ico svg{vertical-align:middle}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 SHARED \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->section{padding:124px 5vw}<!-- [et_pb_line_break_holder] -->.stag{display:inline-flex;align-items:center;gap:7px;margin-bottom:18px;background:var(--blue-bg);border:1px solid var(--blue-b);border-radius:100px;padding:5px 14px;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--blue3)}<!-- [et_pb_line_break_holder] -->.sh2{font-family:'Bricolage Grotesque',sans-serif;font-size:clamp(34px,4vw,56px);font-weight:800;line-height:1.08;letter-spacing:-.028em;color:var(--white);margin-bottom:16px}<!-- [et_pb_line_break_holder] -->.sh2 .ga{background:linear-gradient(90deg,var(--blue3),#a8d4ff);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}<!-- [et_pb_line_break_holder] -->.ssub{font-size:16px;color:var(--mist);line-height:1.8;max-width:560px;font-weight:300}<!-- [et_pb_line_break_holder] -->.sheader{margin-bottom:60px}<!-- [et_pb_line_break_holder] -->.bprimary-sm{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff;font-weight:700;font-size:14px;font-family:'DM Sans',sans-serif;padding:13px 26px;border-radius:100px;text-decoration:none;border:none;cursor:pointer;box-shadow:0 6px 22px rgba(36,113,200,.3);transition:transform .2s,box-shadow .2s}<!-- [et_pb_line_break_holder] -->.bprimary-sm:hover{transform:translateY(-2px);box-shadow:0 12px 36px rgba(36,113,200,.45)}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 PROBLEM \u2014 DAMAGE BANNER \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->#problem{<!-- [et_pb_line_break_holder] --> scroll-snap-align:start;scroll-snap-stop:always;<!-- [et_pb_line_break_holder] --> background:var(--ink);<!-- [et_pb_line_break_holder] --> position:relative;overflow:hidden;<!-- [et_pb_line_break_holder] --> padding:0;<!-- [et_pb_line_break_holder] --> border-top:1px solid rgba(255,255,255,.05);<!-- [et_pb_line_break_holder] --> min-height:100vh;<!-- [et_pb_line_break_holder] --> display:flex;flex-direction:column;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/* subtle dot-grid bg *\/<!-- [et_pb_line_break_holder] -->#problem::before{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;inset:0;<!-- [et_pb_line_break_holder] --> background-image:<!-- [et_pb_line_break_holder] --> radial-gradient(circle,rgba(36,113,200,.07) 1px,transparent 1px);<!-- [et_pb_line_break_holder] --> background-size:40px 40px;<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] --> mask-image:radial-gradient(ellipse 90% 70% at 50% 50%,black 20%,transparent 100%);<!-- [et_pb_line_break_holder] --> -webkit-mask-image:radial-gradient(ellipse 90% 70% at 50% 50%,black 20%,transparent 100%);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/* red ambient glow top-center *\/<!-- [et_pb_line_break_holder] -->#problem::after{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;<!-- [et_pb_line_break_holder] --> top:-20%;left:50%;transform:translateX(-50%);<!-- [et_pb_line_break_holder] --> width:70vw;height:50vw;border-radius:50%;<!-- [et_pb_line_break_holder] --> background:radial-gradient(circle,rgba(224,82,82,.1) 0%,rgba(200,60,60,.04) 40%,transparent 70%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/* banner inner *\/<!-- [et_pb_line_break_holder] -->.prob-banner{<!-- [et_pb_line_break_holder] --> padding:0 5vw;<!-- [et_pb_line_break_holder] --> text-align:center;position:relative;z-index:1;<!-- [et_pb_line_break_holder] --> flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-banner-tag{<!-- [et_pb_line_break_holder] --> display:inline-flex;align-items:center;gap:8px;<!-- [et_pb_line_break_holder] --> background:rgba(224,82,82,.08);<!-- [et_pb_line_break_holder] --> border:1px solid rgba(224,82,82,.25);<!-- [et_pb_line_break_holder] --> border-radius:100px;padding:6px 16px;<!-- [et_pb_line_break_holder] --> font-size:10px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;<!-- [et_pb_line_break_holder] --> color:#e88;margin-bottom:28px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-banner-tag::before{<!-- [et_pb_line_break_holder] --> content:'';width:6px;height:6px;border-radius:50%;<!-- [et_pb_line_break_holder] --> background:#e05252;box-shadow:0 0 8px #e05252;<!-- [et_pb_line_break_holder] --> animation:redBlink 1.4s ease-in-out infinite;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@keyframes redBlink{0%,100%{opacity:1}50%{opacity:.25}}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.prob-banner-eyeline{<!-- [et_pb_line_break_holder] --> font-size:12px;color:var(--mist);font-weight:400;<!-- [et_pb_line_break_holder] --> letter-spacing:.12em;text-transform:uppercase;<!-- [et_pb_line_break_holder] --> margin-bottom:8px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* THE BIG RED NUMBER *\/<!-- [et_pb_line_break_holder] -->.prob-damage-wrap{<!-- [et_pb_line_break_holder] --> display:inline-flex;align-items:baseline;gap:2px;<!-- [et_pb_line_break_holder] --> margin-bottom:4px;<!-- [et_pb_line_break_holder] --> position:relative;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/* faint horizontal rule flanking the number *\/<!-- [et_pb_line_break_holder] -->.prob-damage-wrap::before,.prob-damage-wrap::after{<!-- [et_pb_line_break_holder] --> content:'';<!-- [et_pb_line_break_holder] --> position:absolute;top:50%;<!-- [et_pb_line_break_holder] --> width:60px;height:1px;<!-- [et_pb_line_break_holder] --> background:linear-gradient(90deg,transparent,rgba(224,82,82,.25));<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-damage-wrap::before{right:calc(100% + 20px);transform:scaleX(-1)}<!-- [et_pb_line_break_holder] -->.prob-damage-wrap::after{left:calc(100% + 20px)}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.prob-damage-prefix{<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;<!-- [et_pb_line_break_holder] --> font-size:clamp(26px,3.5vw,52px);font-weight:800;<!-- [et_pb_line_break_holder] --> color:rgba(224,82,82,.45);line-height:1;<!-- [et_pb_line_break_holder] --> margin-right:2px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-damage-num{<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;<!-- [et_pb_line_break_holder] --> font-size:clamp(80px,13vw,160px);<!-- [et_pb_line_break_holder] --> font-weight:800;letter-spacing:-.045em;line-height:.95;<!-- [et_pb_line_break_holder] --> background:linear-gradient(160deg,#ff7070 0%,#e05252 35%,#ff9e9e 65%,#c93c3c 100%);<!-- [et_pb_line_break_holder] --> -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;<!-- [et_pb_line_break_holder] --> filter:drop-shadow(0 0 48px rgba(224,82,82,.45)) drop-shadow(0 0 120px rgba(224,82,82,.2));<!-- [et_pb_line_break_holder] --> opacity:0;transition:opacity .3s ease;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-damage-num.lit{opacity:1}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.prob-damage-suffix-row{<!-- [et_pb_line_break_holder] --> display:flex;align-items:center;justify-content:center;gap:10px;<!-- [et_pb_line_break_holder] --> margin-bottom:18px;margin-top:2px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-damage-suffix{<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;<!-- [et_pb_line_break_holder] --> font-size:clamp(13px,1.4vw,17px);font-weight:600;<!-- [et_pb_line_break_holder] --> color:var(--mist);letter-spacing:-.01em;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-damage-badge{<!-- [et_pb_line_break_holder] --> display:inline-flex;align-items:center;gap:5px;<!-- [et_pb_line_break_holder] --> background:rgba(224,82,82,.1);border:1px solid rgba(224,82,82,.2);<!-- [et_pb_line_break_holder] --> border-radius:100px;padding:3px 10px;<!-- [et_pb_line_break_holder] --> font-size:10px;font-weight:700;letter-spacing:.1em;color:#e88;<!-- [et_pb_line_break_holder] --> text-transform:uppercase;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* sub copy *\/<!-- [et_pb_line_break_holder] -->.prob-banner-sub{<!-- [et_pb_line_break_holder] --> font-size:clamp(13px,1.3vw,15px);color:var(--silver);<!-- [et_pb_line_break_holder] --> line-height:1.8;max-width:480px;margin:0 auto 28px;<!-- [et_pb_line_break_holder] --> font-weight:300;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-banner-sub strong{color:var(--white);font-weight:600}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Year pills *\/<!-- [et_pb_line_break_holder] -->.prob-year-pills{<!-- [et_pb_line_break_holder] --> display:flex;justify-content:center;gap:8px;flex-wrap:wrap;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-year-pill{<!-- [et_pb_line_break_holder] --> padding:7px 18px;border-radius:100px;<!-- [et_pb_line_break_holder] --> border:1px solid rgba(255,255,255,.08);<!-- [et_pb_line_break_holder] --> background:rgba(255,255,255,.03);<!-- [et_pb_line_break_holder] --> font-size:11px;font-weight:600;color:var(--mist);<!-- [et_pb_line_break_holder] --> cursor:pointer;transition:all .22s;font-family:'DM Sans',sans-serif;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-year-pill:hover{border-color:rgba(224,82,82,.3);color:var(--silver)}<!-- [et_pb_line_break_holder] -->.prob-year-pill.active{<!-- [et_pb_line_break_holder] --> background:rgba(224,82,82,.1);border-color:rgba(224,82,82,.35);<!-- [et_pb_line_break_holder] --> color:#e88;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* 4 key facts strip *\/<!-- [et_pb_line_break_holder] -->.prob-facts{<!-- [et_pb_line_break_holder] --> display:grid;grid-template-columns:repeat(4,1fr);<!-- [et_pb_line_break_holder] --> gap:1px;background:rgba(255,255,255,.05);<!-- [et_pb_line_break_holder] --> border-top:1px solid rgba(255,255,255,.05);<!-- [et_pb_line_break_holder] --> position:relative;z-index:1;<!-- [et_pb_line_break_holder] --> flex-shrink:0;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-fact{<!-- [et_pb_line_break_holder] --> background:var(--ink);<!-- [et_pb_line_break_holder] --> padding:40px 32px;<!-- [et_pb_line_break_holder] --> position:relative;overflow:hidden;<!-- [et_pb_line_break_holder] --> opacity:0;transform:translateY(20px);<!-- [et_pb_line_break_holder] --> transition:opacity .6s ease,transform .6s ease,background .25s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-fact.visible{opacity:1;transform:translateY(0)}<!-- [et_pb_line_break_holder] -->.prob-fact:nth-child(1){transition-delay:.05s}<!-- [et_pb_line_break_holder] -->.prob-fact:nth-child(2){transition-delay:.15s}<!-- [et_pb_line_break_holder] -->.prob-fact:nth-child(3){transition-delay:.25s}<!-- [et_pb_line_break_holder] -->.prob-fact:nth-child(4){transition-delay:.35s}<!-- [et_pb_line_break_holder] -->.prob-fact::before{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;top:0;left:0;right:0;height:2px;<!-- [et_pb_line_break_holder] --> opacity:0;transition:opacity .3s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-fact:hover{background:rgba(12,24,40,.9)}<!-- [et_pb_line_break_holder] -->.prob-fact:hover::before{opacity:1}<!-- [et_pb_line_break_holder] -->.prob-fact-1::before{background:linear-gradient(90deg,var(--blue2),var(--blue3))}<!-- [et_pb_line_break_holder] -->.prob-fact-2::before{background:linear-gradient(90deg,#e05252,#ff9e9e)}<!-- [et_pb_line_break_holder] -->.prob-fact-3::before{background:linear-gradient(90deg,#f59e0b,#fde68a)}<!-- [et_pb_line_break_holder] -->.prob-fact-4::before{background:linear-gradient(90deg,var(--blue3),#a8d4ff)}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Tile 1 gets special featured treatment *\/<!-- [et_pb_line_break_holder] -->.prob-fact-1{<!-- [et_pb_line_break_holder] --> background:linear-gradient(145deg,rgba(14,28,52,.98),rgba(8,18,36,.98)) !important;<!-- [et_pb_line_break_holder] --> border-right:1px solid rgba(82,152,224,.12);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-fact-1::before{<!-- [et_pb_line_break_holder] --> height:3px;<!-- [et_pb_line_break_holder] --> background:linear-gradient(90deg,var(--blue),var(--blue3),#a8d4ff);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/* animated shimmer on tile 1 *\/<!-- [et_pb_line_break_holder] -->.prob-fact-1::after{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;<!-- [et_pb_line_break_holder] --> inset:0;<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,rgba(82,152,224,.04) 0%,transparent 50%,rgba(36,113,200,.03) 100%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 TILE 2 \u2014 cumulative tax loss bars \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->.pf2-chart{<!-- [et_pb_line_break_holder] --> height:52px;margin-bottom:20px;padding-bottom:2px;<!-- [et_pb_line_break_holder] --> border-bottom:1px solid rgba(255,255,255,.06);<!-- [et_pb_line_break_holder] --> display:flex;align-items:flex-end;gap:5px;<!-- [et_pb_line_break_holder] --> position:relative;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf2-bar-wrap{display:flex;flex-direction:column;align-items:center;gap:5px;flex:1}<!-- [et_pb_line_break_holder] -->.pf2-bar-track{<!-- [et_pb_line_break_holder] --> width:100%;background:rgba(255,255,255,.05);border-radius:3px 3px 0 0;<!-- [et_pb_line_break_holder] --> position:relative;overflow:hidden;<!-- [et_pb_line_break_holder] --> display:flex;align-items:flex-end;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf2-bar-fill{<!-- [et_pb_line_break_holder] --> width:100%;border-radius:3px 3px 0 0;<!-- [et_pb_line_break_holder] --> transform-origin:bottom;transform:scaleY(0);<!-- [et_pb_line_break_holder] --> transition:transform 1s cubic-bezier(.16,1,.3,1);<!-- [et_pb_line_break_holder] --> background:linear-gradient(180deg,rgba(224,82,82,.7),rgba(224,82,82,.25));<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf2-bar-fill.animated{transform:scaleY(1)}<!-- [et_pb_line_break_holder] -->.pf2-bar-lbl{font-size:8px;color:var(--mist);font-weight:500;white-space:nowrap}<!-- [et_pb_line_break_holder] -->\/* total badge *\/<!-- [et_pb_line_break_holder] -->.pf2-total{<!-- [et_pb_line_break_holder] --> position:absolute;top:0;right:0;<!-- [et_pb_line_break_holder] --> font-size:9px;font-weight:700;color:#e88;<!-- [et_pb_line_break_holder] --> background:rgba(224,82,82,.1);border:1px solid rgba(224,82,82,.22);<!-- [et_pb_line_break_holder] --> border-radius:4px;padding:2px 6px;<!-- [et_pb_line_break_holder] --> opacity:0;transition:opacity .4s .9s ease;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf2-total.show{opacity:1}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 TILE 3 \u2014 rejection funnel \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->.pf3-chart{<!-- [et_pb_line_break_holder] --> height:52px;margin-bottom:20px;padding-bottom:2px;<!-- [et_pb_line_break_holder] --> border-bottom:1px solid rgba(255,255,255,.06);<!-- [et_pb_line_break_holder] --> display:flex;flex-direction:column;justify-content:space-between;<!-- [et_pb_line_break_holder] --> gap:4px;position:relative;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf3-row{display:flex;align-items:center;gap:7px}<!-- [et_pb_line_break_holder] -->.pf3-track{<!-- [et_pb_line_break_holder] --> flex:1;height:13px;background:rgba(255,255,255,.05);<!-- [et_pb_line_break_holder] --> border-radius:3px;overflow:hidden;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf3-fill{<!-- [et_pb_line_break_holder] --> height:100%;border-radius:3px;<!-- [et_pb_line_break_holder] --> transform-origin:left;transform:scaleX(0);<!-- [et_pb_line_break_holder] --> transition:transform .9s cubic-bezier(.16,1,.3,1);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf3-fill.animated{transform:scaleX(1)}<!-- [et_pb_line_break_holder] -->.pf3-fill-a{background:linear-gradient(90deg,rgba(255,255,255,.2),rgba(255,255,255,.08));width:100%}<!-- [et_pb_line_break_holder] -->.pf3-fill-b{background:linear-gradient(90deg,rgba(245,158,11,.6),rgba(245,158,11,.2));width:62%}<!-- [et_pb_line_break_holder] -->.pf3-fill-c{background:linear-gradient(90deg,rgba(224,82,82,.8),rgba(224,82,82,.3));width:27%}<!-- [et_pb_line_break_holder] -->.pf3-lbl{font-size:8px;color:var(--mist);white-space:nowrap;min-width:44px;font-weight:500}<!-- [et_pb_line_break_holder] -->.pf3-pct{font-size:9px;font-weight:700;min-width:24px;text-align:right}<!-- [et_pb_line_break_holder] -->.pf3-pct-a{color:var(--silver)}<!-- [et_pb_line_break_holder] -->.pf3-pct-b{color:#f59e0b}<!-- [et_pb_line_break_holder] -->.pf3-pct-c{color:#e05252}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 TILE 4 \u2014 comprehension comparison \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->.pf4-chart{<!-- [et_pb_line_break_holder] --> height:52px;margin-bottom:20px;padding-bottom:2px;<!-- [et_pb_line_break_holder] --> border-bottom:1px solid rgba(255,255,255,.06);<!-- [et_pb_line_break_holder] --> display:flex;flex-direction:column;justify-content:space-evenly;<!-- [et_pb_line_break_holder] --> gap:6px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf4-row{display:flex;align-items:center;gap:8px}<!-- [et_pb_line_break_holder] -->.pf4-track{<!-- [et_pb_line_break_holder] --> flex:1;height:12px;background:rgba(255,255,255,.05);<!-- [et_pb_line_break_holder] --> border-radius:3px;overflow:hidden;position:relative;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf4-fill{<!-- [et_pb_line_break_holder] --> height:100%;border-radius:3px;<!-- [et_pb_line_break_holder] --> transform-origin:left;transform:scaleX(0);<!-- [et_pb_line_break_holder] --> transition:transform 1s cubic-bezier(.16,1,.3,1);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf4-fill.animated{transform:scaleX(1)}<!-- [et_pb_line_break_holder] -->.pf4-fill-a{background:linear-gradient(90deg,rgba(255,255,255,.15),rgba(255,255,255,.05));width:32%}<!-- [et_pb_line_break_holder] -->.pf4-fill-b{background:linear-gradient(90deg,var(--blue2),var(--blue3));width:100%}<!-- [et_pb_line_break_holder] -->.pf4-lbl{font-size:8px;white-space:nowrap;min-width:52px;font-weight:600}<!-- [et_pb_line_break_holder] -->.pf4-lbl-a{color:var(--mist)}<!-- [et_pb_line_break_holder] -->.pf4-lbl-b{color:var(--blue3)}<!-- [et_pb_line_break_holder] -->.pf4-pct{font-size:9px;font-weight:700;min-width:28px;text-align:right}<!-- [et_pb_line_break_holder] -->.pf4-pct-a{color:var(--mist)}<!-- [et_pb_line_break_holder] -->.pf4-pct-b{color:var(--blue3)}<!-- [et_pb_line_break_holder] --> display:flex;align-items:flex-end;gap:6px;<!-- [et_pb_line_break_holder] --> height:52px;margin-bottom:20px;<!-- [et_pb_line_break_holder] --> padding-bottom:2px;<!-- [et_pb_line_break_holder] --> border-bottom:1px solid rgba(255,255,255,.06);<!-- [et_pb_line_break_holder] --> position:relative;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf1-bar{<!-- [et_pb_line_break_holder] --> border-radius:3px 3px 0 0;<!-- [et_pb_line_break_holder] --> transform-origin:bottom;<!-- [et_pb_line_break_holder] --> transform:scaleY(0);<!-- [et_pb_line_break_holder] --> transition:transform 1.1s cubic-bezier(.16,1,.3,1);<!-- [et_pb_line_break_holder] --> position:relative;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf1-bar-state{<!-- [et_pb_line_break_holder] --> width:28px;<!-- [et_pb_line_break_holder] --> height:30%;<!-- [et_pb_line_break_holder] --> background:linear-gradient(180deg,rgba(82,152,224,.5),rgba(36,113,200,.25));<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf1-bar-need{<!-- [et_pb_line_break_holder] --> width:28px;<!-- [et_pb_line_break_holder] --> height:100%;<!-- [et_pb_line_break_holder] --> background:linear-gradient(180deg,rgba(255,255,255,.18),rgba(255,255,255,.06));<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf1-bar.animated{transform:scaleY(1)}<!-- [et_pb_line_break_holder] -->.pf1-gap-arrow{<!-- [et_pb_line_break_holder] --> position:absolute;right:0;top:0;bottom:30%;<!-- [et_pb_line_break_holder] --> display:flex;flex-direction:column;align-items:center;<!-- [et_pb_line_break_holder] --> justify-content:center;gap:0;<!-- [et_pb_line_break_holder] --> width:20px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf1-gap-line{<!-- [et_pb_line_break_holder] --> width:1.5px;flex:1;<!-- [et_pb_line_break_holder] --> background:linear-gradient(180deg,rgba(224,82,82,.7),rgba(224,82,82,.2));<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf1-gap-label{<!-- [et_pb_line_break_holder] --> font-size:8px;font-weight:700;color:#e88;letter-spacing:.04em;<!-- [et_pb_line_break_holder] --> white-space:nowrap;position:absolute;right:22px;top:50%;<!-- [et_pb_line_break_holder] --> transform:translateY(-50%);<!-- [et_pb_line_break_holder] --> background:rgba(224,82,82,.1);border:1px solid rgba(224,82,82,.2);<!-- [et_pb_line_break_holder] --> border-radius:4px;padding:2px 5px;opacity:0;<!-- [et_pb_line_break_holder] --> transition:opacity .4s .8s ease;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf1-gap-label.show{opacity:1}<!-- [et_pb_line_break_holder] -->.pf1-bar-labels{<!-- [et_pb_line_break_holder] --> display:flex;gap:6px;position:absolute;bottom:-18px;left:0;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf1-bar-lbl{<!-- [et_pb_line_break_holder] --> font-size:8px;color:var(--mist);width:28px;text-align:center;<!-- [et_pb_line_break_holder] --> font-weight:500;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/* 3-layer pill *\/<!-- [et_pb_line_break_holder] -->.pf1-layers{<!-- [et_pb_line_break_holder] --> display:flex;gap:5px;flex-wrap:wrap;margin-top:14px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf1-layer{<!-- [et_pb_line_break_holder] --> display:inline-flex;align-items:center;gap:4px;<!-- [et_pb_line_break_holder] --> font-size:9px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;<!-- [et_pb_line_break_holder] --> padding:3px 8px;border-radius:100px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.pf1-layer-1{background:rgba(82,152,224,.12);color:var(--blue3);border:1px solid rgba(82,152,224,.2)}<!-- [et_pb_line_break_holder] -->.pf1-layer-2{background:rgba(245,158,11,.1);color:#f59e0b;border:1px solid rgba(245,158,11,.2)}<!-- [et_pb_line_break_holder] -->.pf1-layer-3{background:rgba(52,211,153,.08);color:#34d399;border:1px solid rgba(52,211,153,.15)}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.prob-fact-icon{<!-- [et_pb_line_break_holder] --> width:36px;height:36px;border-radius:10px;<!-- [et_pb_line_break_holder] --> display:flex;align-items:center;justify-content:center;<!-- [et_pb_line_break_holder] --> margin-bottom:16px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-fact-icon svg{width:18px;height:18px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.prob-fact-val{<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;<!-- [et_pb_line_break_holder] --> font-size:clamp(26px,2.8vw,36px);<!-- [et_pb_line_break_holder] --> font-weight:800;line-height:1;letter-spacing:-.03em;<!-- [et_pb_line_break_holder] --> margin-bottom:6px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fv-blue{background:linear-gradient(135deg,var(--blue3),#a8d4ff);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}<!-- [et_pb_line_break_holder] -->.fv-red{background:linear-gradient(135deg,#e05252,#ff9e9e);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}<!-- [et_pb_line_break_holder] -->.fv-amber{background:linear-gradient(135deg,#f59e0b,#fde68a);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.prob-fact-label{<!-- [et_pb_line_break_holder] --> font-size:12px;color:var(--white);font-weight:600;<!-- [et_pb_line_break_holder] --> margin-bottom:6px;line-height:1.3;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-fact-desc{<!-- [et_pb_line_break_holder] --> display:none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* bottom quote strip *\/<!-- [et_pb_line_break_holder] -->.prob-quote-strip{display:none!important}<!-- [et_pb_line_break_holder] -->.prob-quote-text-new{<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;<!-- [et_pb_line_break_holder] --> font-size:clamp(16px,2vw,22px);font-weight:700;<!-- [et_pb_line_break_holder] --> color:var(--white);letter-spacing:-.02em;line-height:1.45;<!-- [et_pb_line_break_holder] --> max-width:600px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-quote-text-new em{<!-- [et_pb_line_break_holder] --> font-style:normal;<!-- [et_pb_line_break_holder] --> background:linear-gradient(90deg,var(--blue3),#a8d4ff);<!-- [et_pb_line_break_holder] --> -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.prob-quote-author-new{font-size:12px;color:var(--mist);margin-top:6px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* banner reveal helpers *\/<!-- [et_pb_line_break_holder] -->.pb-reveal{opacity:0;transform:translateY(16px);transition:opacity .65s ease,transform .65s ease}<!-- [et_pb_line_break_holder] -->.pb-reveal.visible{opacity:1;transform:translateY(0)}<!-- [et_pb_line_break_holder] -->.pb-reveal:nth-child(2){transition-delay:.1s}<!-- [et_pb_line_break_holder] -->.pb-reveal:nth-child(3){transition-delay:.22s}<!-- [et_pb_line_break_holder] -->.pb-reveal:nth-child(4){transition-delay:.36s}<!-- [et_pb_line_break_holder] -->.pb-reveal:nth-child(5){transition-delay:.5s}<!-- [et_pb_line_break_holder] -->.pb-reveal:nth-child(6){transition-delay:.6s}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->@media(max-width:900px){<!-- [et_pb_line_break_holder] --> .prob-facts{grid-template-columns:repeat(2,1fr)}<!-- [et_pb_line_break_holder] --> .prob-banner{padding:72px 5vw 52px}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@media(max-width:640px){<!-- [et_pb_line_break_holder] --> .prob-banner{padding:64px 20px 52px}<!-- [et_pb_line_break_holder] --> .prob-damage-wrap::before,.prob-damage-wrap::after{display:none}<!-- [et_pb_line_break_holder] --> .prob-facts{display:none}<!-- [et_pb_line_break_holder] --> .prob-quote-strip{display:none}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550<!-- [et_pb_line_break_holder] --> PLANNER \u2014 LIGHT THEME<!-- [et_pb_line_break_holder] --> \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->#planner{<!-- [et_pb_line_break_holder] --> scroll-snap-align:start;scroll-snap-stop:always;<!-- [et_pb_line_break_holder] --> background:#f0f4ff;<!-- [et_pb_line_break_holder] --> position:relative;overflow:hidden;<!-- [et_pb_line_break_holder] --> padding:120px 5vw;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/* top & bottom edge blends *\/<!-- [et_pb_line_break_holder] -->#planner::before{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;<!-- [et_pb_line_break_holder] --> top:0;left:0;right:0;height:80px;z-index:1;pointer-events:none;<!-- [et_pb_line_break_holder] --> background:linear-gradient(180deg,rgba(6,14,28,.08),transparent);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->#planner::after{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;<!-- [et_pb_line_break_holder] --> bottom:0;left:0;right:0;height:80px;z-index:1;pointer-events:none;<!-- [et_pb_line_break_holder] --> background:linear-gradient(0deg,rgba(6,14,28,.06),transparent);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* soft dot grid *\/<!-- [et_pb_line_break_holder] -->.plan-grid-bg{<!-- [et_pb_line_break_holder] --> position:absolute;inset:0;z-index:0;pointer-events:none;<!-- [et_pb_line_break_holder] --> background-image:radial-gradient(circle,rgba(36,113,200,.12) 1px,transparent 1px);<!-- [et_pb_line_break_holder] --> background-size:36px 36px;<!-- [et_pb_line_break_holder] --> mask-image:radial-gradient(ellipse 90% 70% at 50% 50%,black,transparent);<!-- [et_pb_line_break_holder] --> -webkit-mask-image:radial-gradient(ellipse 90% 70% at 50% 50%,black,transparent);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* floating blue orb *\/<!-- [et_pb_line_break_holder] -->.plan-orb{<!-- [et_pb_line_break_holder] --> position:absolute;top:-10%;right:-5%;<!-- [et_pb_line_break_holder] --> width:45vw;height:45vw;border-radius:50%;<!-- [et_pb_line_break_holder] --> background:radial-gradient(circle,rgba(36,113,200,.12) 0%,rgba(82,152,224,.04) 50%,transparent 70%);<!-- [et_pb_line_break_holder] --> pointer-events:none;z-index:0;<!-- [et_pb_line_break_holder] --> animation:orbFloat 8s ease-in-out infinite alternate;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@keyframes orbFloat{from{transform:translate(0,0) scale(1)}to{transform:translate(-2%,3%) scale(1.04)}}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.plan-wrap{position:relative;z-index:2;max-width:1060px;margin:0 auto}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Header *\/<!-- [et_pb_line_break_holder] -->.plan-header{text-align:center;margin-bottom:48px}<!-- [et_pb_line_break_holder] -->.plan-eyebrow{<!-- [et_pb_line_break_holder] --> display:inline-flex;align-items:center;gap:8px;<!-- [et_pb_line_break_holder] --> background:rgba(36,113,200,.1);<!-- [et_pb_line_break_holder] --> border:1px solid rgba(36,113,200,.22);border-radius:100px;<!-- [et_pb_line_break_holder] --> padding:7px 18px;font-size:10px;font-weight:700;<!-- [et_pb_line_break_holder] --> letter-spacing:.2em;text-transform:uppercase;color:var(--blue);margin-bottom:20px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-title{<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;<!-- [et_pb_line_break_holder] --> font-size:clamp(30px,4vw,52px);font-weight:800;<!-- [et_pb_line_break_holder] --> letter-spacing:-.03em;line-height:1.05;<!-- [et_pb_line_break_holder] --> color:#0a1628;margin-bottom:12px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-title .ga{<!-- [et_pb_line_break_holder] --> background:linear-gradient(90deg,var(--blue),var(--blue2));<!-- [et_pb_line_break_holder] --> -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-subtitle{font-size:15px;color:#4a6080;line-height:1.65;max-width:500px;margin:0 auto}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Tab switcher *\/<!-- [et_pb_line_break_holder] -->.plan-tabs{<!-- [et_pb_line_break_holder] --> display:flex;justify-content:center;gap:5px;margin-bottom:44px;<!-- [et_pb_line_break_holder] --> background:rgba(255,255,255,.7);<!-- [et_pb_line_break_holder] --> border:1px solid rgba(36,113,200,.15);<!-- [et_pb_line_break_holder] --> box-shadow:0 2px 16px rgba(36,113,200,.1);<!-- [et_pb_line_break_holder] --> border-radius:100px;padding:5px;<!-- [et_pb_line_break_holder] --> width:fit-content;margin-left:auto;margin-right:auto;<!-- [et_pb_line_break_holder] --> backdrop-filter:blur(10px);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.ptab{<!-- [et_pb_line_break_holder] --> display:inline-flex;align-items:center;gap:8px;<!-- [et_pb_line_break_holder] --> padding:10px 28px;border-radius:100px;<!-- [et_pb_line_break_holder] --> font-family:'DM Sans',sans-serif;font-size:13px;font-weight:600;<!-- [et_pb_line_break_holder] --> color:#6080a0;cursor:pointer;transition:all .25s;border:none;background:transparent;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.ptab:hover{color:var(--blue)}<!-- [et_pb_line_break_holder] -->.ptab.active{<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,var(--blue),var(--blue2));<!-- [et_pb_line_break_holder] --> color:#fff;<!-- [et_pb_line_break_holder] --> box-shadow:0 4px 20px rgba(36,113,200,.4);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.ptab svg{width:14px;height:14px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Panel layout *\/<!-- [et_pb_line_break_holder] -->.ptab-panel{display:none}<!-- [et_pb_line_break_holder] -->.ptab-panel.active{<!-- [et_pb_line_break_holder] --> display:grid;<!-- [et_pb_line_break_holder] --> grid-template-columns:1fr 1.15fr;<!-- [et_pb_line_break_holder] --> gap:32px;align-items:stretch;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* LEFT \u2014 inputs *\/<!-- [et_pb_line_break_holder] -->.plan-inputs-col{<!-- [et_pb_line_break_holder] --> background:#fff;<!-- [et_pb_line_break_holder] --> border:1px solid rgba(36,113,200,.11);<!-- [et_pb_line_break_holder] --> border-radius:20px;padding:22px 20px;<!-- [et_pb_line_break_holder] --> box-shadow:0 2px 20px rgba(36,113,200,.07),inset 0 1px 0 rgba(255,255,255,.95),inset 0 -1px 0 rgba(36,113,200,.04);<!-- [et_pb_line_break_holder] --> display:flex;flex-direction:column;<!-- [et_pb_line_break_holder] --> align-self:stretch;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-inputs-title{<!-- [et_pb_line_break_holder] --> font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;<!-- [et_pb_line_break_holder] --> color:#4a7aaa;margin-bottom:18px;<!-- [et_pb_line_break_holder] --> display:flex;align-items:center;gap:9px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-inputs-title::before{display:none}<!-- [et_pb_line_break_holder] -->.plan-inputs{display:flex;flex-direction:column;gap:1px;flex:1}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Compact field row *\/<!-- [et_pb_line_break_holder] -->.plan-field-row{<!-- [et_pb_line_break_holder] --> display:flex;align-items:center;padding:12px 14px;border-radius:10px;<!-- [et_pb_line_break_holder] --> transition:background .2s,transform .15s;cursor:default;<!-- [et_pb_line_break_holder] --> -webkit-tap-highlight-color:transparent;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-field-row:hover{background:rgba(36,113,200,.04)}<!-- [et_pb_line_break_holder] -->.plan-field-row-label{<!-- [et_pb_line_break_holder] --> font-size:9.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;<!-- [et_pb_line_break_holder] --> color:#6a88a8;flex:1;line-height:1;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-field-row-val{<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;<!-- [et_pb_line_break_holder] --> font-size:17px;font-weight:800;color:var(--blue);<!-- [et_pb_line_break_holder] --> letter-spacing:-.03em;text-transform:none;flex-shrink:0;<!-- [et_pb_line_break_holder] --> min-width:76px;text-align:right;<!-- [et_pb_line_break_holder] --> transition:color .2s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-field-slider-wrap{padding:0 14px 12px;margin-top:-4px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Slider \u2014 light version *\/<!-- [et_pb_line_break_holder] -->.plan-slider{<!-- [et_pb_line_break_holder] --> -webkit-appearance:none;appearance:none;<!-- [et_pb_line_break_holder] --> width:100%;height:3.5px;border-radius:100px;<!-- [et_pb_line_break_holder] --> outline:none;cursor:pointer;<!-- [et_pb_line_break_holder] --> background:rgba(36,113,200,.11);<!-- [et_pb_line_break_holder] --> transition:background .2s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-slider::-webkit-slider-thumb{<!-- [et_pb_line_break_holder] --> -webkit-appearance:none;appearance:none;<!-- [et_pb_line_break_holder] --> width:17px;height:17px;border-radius:50%;<!-- [et_pb_line_break_holder] --> background:linear-gradient(145deg,#2471c8,#1a56a0);<!-- [et_pb_line_break_holder] --> cursor:pointer;<!-- [et_pb_line_break_holder] --> box-shadow:0 0 0 3px rgba(36,113,200,.18),0 2px 10px rgba(36,113,200,.4);<!-- [et_pb_line_break_holder] --> border:2.5px solid #fff;<!-- [et_pb_line_break_holder] --> transition:transform .15s,box-shadow .15s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-slider::-webkit-slider-thumb:hover{<!-- [et_pb_line_break_holder] --> transform:scale(1.2);<!-- [et_pb_line_break_holder] --> box-shadow:0 0 0 5px rgba(36,113,200,.2),0 3px 14px rgba(36,113,200,.45);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-slider::-moz-range-thumb{<!-- [et_pb_line_break_holder] --> width:16px;height:16px;border-radius:50%;<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,var(--blue2),var(--blue));<!-- [et_pb_line_break_holder] --> cursor:pointer;border:2px solid #fff;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-val-range{display:flex;justify-content:space-between;font-size:9px;color:#b0c8da;margin-top:3px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Pills \u2014 light *\/<!-- [et_pb_line_break_holder] -->.plan-pills{display:flex;gap:7px;flex-wrap:wrap}<!-- [et_pb_line_break_holder] -->.plan-pill{<!-- [et_pb_line_break_holder] --> padding:7px 15px;border-radius:100px;<!-- [et_pb_line_break_holder] --> border:1.5px solid rgba(36,113,200,.15);<!-- [et_pb_line_break_holder] --> background:rgba(36,113,200,.04);<!-- [et_pb_line_break_holder] --> font-size:12px;font-weight:500;color:#6080a0;<!-- [et_pb_line_break_holder] --> cursor:pointer;transition:all .2s;font-family:'DM Sans',sans-serif;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-pill:hover{border-color:rgba(36,113,200,.35);color:var(--blue)}<!-- [et_pb_line_break_holder] -->.plan-pill.active{<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,rgba(36,113,200,.12),rgba(36,113,200,.06));<!-- [et_pb_line_break_holder] --> border-color:rgba(36,113,200,.4);<!-- [et_pb_line_break_holder] --> color:var(--blue);font-weight:700;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* RIGHT \u2014 chart + stats *\/<!-- [et_pb_line_break_holder] -->.plan-results-col{display:flex;flex-direction:column;gap:14px;align-self:start}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Chart area *\/<!-- [et_pb_line_break_holder] -->.plan-chart-wrap{<!-- [et_pb_line_break_holder] --> background:#fff;<!-- [et_pb_line_break_holder] --> border:1px solid rgba(36,113,200,.12);<!-- [et_pb_line_break_holder] --> border-radius:24px;padding:28px 28px 20px;<!-- [et_pb_line_break_holder] --> box-shadow:0 8px 40px rgba(36,113,200,.1);<!-- [et_pb_line_break_holder] --> position:relative;overflow:hidden;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-chart-wrap::before{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;<!-- [et_pb_line_break_holder] --> top:-30%;right:-10%;width:50%;height:80%;border-radius:50%;<!-- [et_pb_line_break_holder] --> background:radial-gradient(circle,rgba(36,113,200,.06) 0%,transparent 70%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-chart-header{<!-- [et_pb_line_break_holder] --> display:flex;align-items:center;justify-content:space-between;margin-bottom:18px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-chart-title{font-size:11px;color:#7090b0;font-weight:700;letter-spacing:.06em;text-transform:uppercase}<!-- [et_pb_line_break_holder] -->.plan-chart-legend{display:flex;gap:14px}<!-- [et_pb_line_break_holder] -->.plan-chart-leg-item{display:flex;align-items:center;gap:5px;font-size:10px;color:#90a8c0}<!-- [et_pb_line_break_holder] -->.plan-chart-leg-dot{width:8px;height:3px;border-radius:100px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* SVG chart *\/<!-- [et_pb_line_break_holder] -->.plan-svg-chart{width:100%;overflow:visible}<!-- [et_pb_line_break_holder] -->.chart-grid-line{stroke:rgba(36,113,200,.07);stroke-width:1}<!-- [et_pb_line_break_holder] -->.chart-axis-label{font-size:9px;fill:rgba(100,140,180,.7);font-family:'DM Sans',sans-serif}<!-- [et_pb_line_break_holder] -->.chart-path-without{fill:none;stroke:#c8ddf0;stroke-width:2;stroke-linecap:round;stroke-dasharray:1000;stroke-dashoffset:1000;transition:stroke-dashoffset 1.6s cubic-bezier(.16,1,.3,1)}<!-- [et_pb_line_break_holder] -->.chart-path-with{fill:none;stroke:url(#chartGrad);stroke-width:2.5;stroke-linecap:round;stroke-dasharray:1000;stroke-dashoffset:1000;transition:stroke-dashoffset 1.6s .15s cubic-bezier(.16,1,.3,1);filter:drop-shadow(0 2px 8px rgba(36,113,200,.35))}<!-- [et_pb_line_break_holder] -->.chart-area-with{fill:url(#areaGradLight);opacity:0;transition:opacity .8s .7s ease}<!-- [et_pb_line_break_holder] -->.chart-path-without.drawn,.chart-path-with.drawn{stroke-dashoffset:0}<!-- [et_pb_line_break_holder] -->.chart-area-with.drawn{opacity:1}<!-- [et_pb_line_break_holder] -->.chart-dot-with{fill:var(--blue2);filter:drop-shadow(0 0 5px rgba(36,113,200,.7));opacity:0;transition:opacity .3s 1.3s ease}<!-- [et_pb_line_break_holder] -->.chart-dot-with.drawn{opacity:1}<!-- [et_pb_line_break_holder] -->.chart-dot-label{font-family:'Bricolage Grotesque',sans-serif;font-size:11px;font-weight:800;fill:var(--blue);opacity:0;transition:opacity .3s 1.4s ease}<!-- [et_pb_line_break_holder] -->.chart-dot-label.drawn{opacity:1}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Fin chart bars *\/<!-- [et_pb_line_break_holder] -->.fin-chart-area{padding-top:4px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 Premium FIN visualization \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->.fin-visual{display:flex;flex-direction:column;gap:0;position:relative}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Animated property icon *\/<!-- [et_pb_line_break_holder] -->.fin-house-wrap{<!-- [et_pb_line_break_holder] --> display:flex;align-items:flex-end;justify-content:center;<!-- [et_pb_line_break_holder] --> gap:6px;height:140px;margin-bottom:20px;position:relative;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fin-house-block{<!-- [et_pb_line_break_holder] --> border-radius:6px 6px 0 0;width:100%;<!-- [et_pb_line_break_holder] --> display:flex;align-items:center;justify-content:center;<!-- [et_pb_line_break_holder] --> position:relative;overflow:hidden;<!-- [et_pb_line_break_holder] --> transition:height 1s cubic-bezier(.16,1,.3,1);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fin-house-block::after{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;inset:0;<!-- [et_pb_line_break_holder] --> background:linear-gradient(180deg,rgba(255,255,255,.12) 0%,transparent 60%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fin-block-equity{background:linear-gradient(180deg,#7ab8f5,#5298e0);box-shadow:0 4px 16px rgba(82,152,224,.3)}<!-- [et_pb_line_break_holder] -->.fin-block-loan{background:linear-gradient(180deg,#2471c8,#1a56a0);box-shadow:0 4px 20px rgba(36,113,200,.4)}<!-- [et_pb_line_break_holder] -->.fin-block-total{background:linear-gradient(180deg,#1a56a0,#0f3870);box-shadow:0 6px 24px rgba(26,86,160,.5)}<!-- [et_pb_line_break_holder] -->.fin-block-label{<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;font-size:11px;font-weight:800;<!-- [et_pb_line_break_holder] --> color:#fff;text-align:center;position:relative;padding:0 6px;<!-- [et_pb_line_break_holder] --> text-shadow:0 1px 3px rgba(0,0,0,.3);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fin-block-val{<!-- [et_pb_line_break_holder] --> font-family:'Bricolage Grotesque',sans-serif;font-size:13px;font-weight:800;<!-- [et_pb_line_break_holder] --> color:#fff;text-align:center;position:relative;padding:0 6px;line-height:1.2;<!-- [et_pb_line_break_holder] --> text-shadow:0 1px 3px rgba(0,0,0,.3);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fin-house-cols{display:flex;align-items:flex-end;gap:8px;height:160px;width:100%}<!-- [et_pb_line_break_holder] -->.fin-house-col{flex:1;display:flex;flex-direction:column;justify-content:flex-end;height:160px;position:relative}<!-- [et_pb_line_break_holder] -->.fin-col-label{font-size:9px;color:#8aaabf;text-align:center;font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-top:6px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Stat rows below the chart *\/<!-- [et_pb_line_break_holder] -->.fin-stat-rows{display:flex;flex-direction:column;gap:0;margin-top:4px}<!-- [et_pb_line_break_holder] -->.fin-stat-row{<!-- [et_pb_line_break_holder] --> display:flex;justify-content:space-between;align-items:center;<!-- [et_pb_line_break_holder] --> padding:12px 0;border-bottom:1px solid rgba(36,113,200,.07);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fin-stat-row:last-child{border-bottom:none}<!-- [et_pb_line_break_holder] -->.fin-stat-row-lbl{font-size:10px;font-weight:700;color:#7090b0;letter-spacing:.06em;text-transform:uppercase;display:flex;align-items:center;gap:8px}<!-- [et_pb_line_break_holder] -->.fin-stat-row-lbl::before{content:'';width:8px;height:3px;border-radius:2px;flex-shrink:0}<!-- [et_pb_line_break_holder] -->.fin-stat-row-lbl.eq::before{background:#5298e0}<!-- [et_pb_line_break_holder] -->.fin-stat-row-lbl.loan::before{background:#1a56a0}<!-- [et_pb_line_break_holder] -->.fin-stat-row-lbl.total::before{background:linear-gradient(90deg,#1a56a0,#5298e0)}<!-- [et_pb_line_break_holder] -->.fin-stat-row-val{font-family:'Bricolage Grotesque',sans-serif;font-size:18px;font-weight:800;letter-spacing:-.02em;line-height:1}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Monthly payment highlight *\/<!-- [et_pb_line_break_holder] -->.fin-payment-card{<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,rgba(36,113,200,.08),rgba(36,113,200,.03));<!-- [et_pb_line_break_holder] --> border:1px solid rgba(36,113,200,.2);border-radius:14px;<!-- [et_pb_line_break_holder] --> padding:16px 18px;display:flex;align-items:center;gap:14px;margin-top:14px;<!-- [et_pb_line_break_holder] --> box-shadow:0 4px 20px rgba(36,113,200,.08);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fin-payment-icon{<!-- [et_pb_line_break_holder] --> width:44px;height:44px;border-radius:12px;flex-shrink:0;<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,#1a56a0,#2471c8);<!-- [et_pb_line_break_holder] --> display:grid;place-items:center;<!-- [et_pb_line_break_holder] --> box-shadow:0 4px 12px rgba(36,113,200,.35);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.fin-payment-body{flex:1}<!-- [et_pb_line_break_holder] -->.fin-payment-lbl{font-size:9px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#7090b0;margin-bottom:3px}<!-- [et_pb_line_break_holder] -->.fin-payment-val{font-family:'Bricolage Grotesque',sans-serif;font-size:24px;font-weight:800;background:linear-gradient(135deg,#1a56a0,#2471c8);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;line-height:1;letter-spacing:-.03em}<!-- [et_pb_line_break_holder] -->.fin-payment-sub{font-size:10px;color:#90a8c0;margin-top:2px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Stats grid *\/<!-- [et_pb_line_break_holder] -->.plan-stats-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}<!-- [et_pb_line_break_holder] -->.plan-stat-box{<!-- [et_pb_line_break_holder] --> background:#fff;<!-- [et_pb_line_break_holder] --> border:1px solid rgba(36,113,200,.12);border-radius:16px;<!-- [et_pb_line_break_holder] --> padding:18px 20px;<!-- [et_pb_line_break_holder] --> box-shadow:0 4px 20px rgba(36,113,200,.07);<!-- [et_pb_line_break_holder] --> transition:box-shadow .2s,border-color .2s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-stat-box:hover{border-color:rgba(36,113,200,.28);box-shadow:0 8px 30px rgba(36,113,200,.14)}<!-- [et_pb_line_break_holder] -->.plan-stat-box.featured{<!-- [et_pb_line_break_holder] --> grid-column:span 2;<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,rgba(36,113,200,.08),rgba(82,152,224,.04));<!-- [et_pb_line_break_holder] --> border-color:rgba(36,113,200,.25);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-stat-label{font-size:10px;color:#8aaabf;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:6px;display:flex;align-items:center;gap:6px}<!-- [et_pb_line_break_holder] -->.plan-stat-label::before{content:'';width:4px;height:4px;border-radius:50%;background:var(--blue2);flex-shrink:0}<!-- [et_pb_line_break_holder] -->.plan-stat-val{font-family:'Bricolage Grotesque',sans-serif;font-size:clamp(22px,2.5vw,30px);font-weight:800;letter-spacing:-.03em;line-height:1;background:linear-gradient(135deg,var(--blue),var(--blue2));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}<!-- [et_pb_line_break_holder] -->.plan-stat-box.featured .plan-stat-val{font-size:clamp(32px,4vw,46px)}<!-- [et_pb_line_break_holder] -->.plan-stat-sub{font-size:10px;color:#8aaabf;margin-top:3px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* CTA row *\/<!-- [et_pb_line_break_holder] -->.plan-cta-row{<!-- [et_pb_line_break_holder] --> padding:20px 24px;<!-- [et_pb_line_break_holder] --> background:#fff;<!-- [et_pb_line_break_holder] --> border:1px solid rgba(36,113,200,.18);border-radius:16px;<!-- [et_pb_line_break_holder] --> display:flex;align-items:center;gap:14px;<!-- [et_pb_line_break_holder] --> box-shadow:0 4px 20px rgba(36,113,200,.1);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.plan-cta-text{flex:1}<!-- [et_pb_line_break_holder] -->.plan-cta-label{font-size:13px;font-weight:700;color:#0a1628;margin-bottom:2px}<!-- [et_pb_line_break_holder] -->.plan-cta-sub{font-size:11px;color:#8aaabf}<!-- [et_pb_line_break_holder] -->.bprimary-sm{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff;font-weight:700;font-size:13px;font-family:'DM Sans',sans-serif;padding:11px 22px;border-radius:100px;text-decoration:none;border:none;cursor:pointer;box-shadow:0 6px 22px rgba(36,113,200,.4);transition:transform .2s,box-shadow .2s;white-space:nowrap}<!-- [et_pb_line_break_holder] -->.bprimary-sm:hover{transform:translateY(-2px);box-shadow:0 12px 36px rgba(36,113,200,.55)}<!-- [et_pb_line_break_holder] -->.plan-note{font-size:10px;color:#8aaabf;line-height:1.5;margin-top:10px;text-align:center}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->@media(max-width:1000px){.ptab-panel.active{grid-template-columns:1fr;gap:20px}}<!-- [et_pb_line_break_holder] -->@media(max-width:640px){<!-- [et_pb_line_break_holder] --> #planner{<!-- [et_pb_line_break_holder] --> scroll-snap-align:start;scroll-snap-stop:always;padding:56px 16px}<!-- [et_pb_line_break_holder] --> .plan-inputs-col{padding:16px 14px;border-radius:16px}<!-- [et_pb_line_break_holder] --> .plan-chart-wrap{padding:16px 14px 14px;border-radius:16px}<!-- [et_pb_line_break_holder] --> .plan-stats-grid{grid-template-columns:1fr 1fr}<!-- [et_pb_line_break_holder] --> .plan-stat-box.featured{grid-column:span 2}<!-- [et_pb_line_break_holder] --> .plan-cta-row{flex-direction:column;align-items:flex-start}<!-- [et_pb_line_break_holder] --> .plan-field-row{padding:8px 10px}<!-- [et_pb_line_break_holder] --> .plan-field-slider-wrap{padding:0 10px 10px}<!-- [et_pb_line_break_holder] --> .plan-field-row-val{font-size:15px}<!-- [et_pb_line_break_holder] --> .plan-field-row-label{font-size:9px}<!-- [et_pb_line_break_holder] --> .ptab-panel.active{gap:28px}<!-- [et_pb_line_break_holder] --> .plan-results-col{gap:10px}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@media(max-width:420px){<!-- [et_pb_line_break_holder] --> #planner{<!-- [et_pb_line_break_holder] --> scroll-snap-align:start;scroll-snap-stop:always;padding:40px 12px}<!-- [et_pb_line_break_holder] --> .plan-inputs-col{padding:12px}<!-- [et_pb_line_break_holder] --> .plan-field-row{padding:7px 8px}<!-- [et_pb_line_break_holder] --> .plan-field-slider-wrap{padding:0 8px 8px}<!-- [et_pb_line_break_holder] --> .plan-tabs{gap:6px}<!-- [et_pb_line_break_holder] --> .ptab{padding:9px 14px;font-size:12px}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 ABOUT \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->#about{<!-- [et_pb_line_break_holder] --> scroll-snap-align:start;scroll-snap-stop:always;<!-- [et_pb_line_break_holder] --> background:var(--ink2);<!-- [et_pb_line_break_holder] --> border-top:1px solid rgba(255,255,255,.05);<!-- [et_pb_line_break_holder] --> border-bottom:1px solid rgba(255,255,255,.05);<!-- [et_pb_line_break_holder] --> overflow:hidden;<!-- [et_pb_line_break_holder] --> position:relative;<!-- [et_pb_line_break_holder] --> padding:124px 5vw;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->#about::before{<!-- [et_pb_line_break_holder] --> content:'';position:absolute;top:-200px;right:-200px;<!-- [et_pb_line_break_holder] --> width:600px;height:600px;border-radius:50%;<!-- [et_pb_line_break_holder] --> background:radial-gradient(circle,rgba(36,113,200,.08) 0%,transparent 70%);<!-- [et_pb_line_break_holder] --> pointer-events:none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.about-grid{display:grid;grid-template-columns:5fr 7fr;gap:80px;align-items:center;position:relative;z-index:1}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Photo col *\/<!-- [et_pb_line_break_holder] -->.about-photo-wrap{position:relative}<!-- [et_pb_line_break_holder] -->.about-photo{<!-- [et_pb_line_break_holder] --> width:100%;border-radius:20px;display:block;<!-- [et_pb_line_break_holder] --> object-fit:cover;object-position:center 5%;aspect-ratio:3\/4;<!-- [et_pb_line_break_holder] --> box-shadow:0 40px 100px rgba(0,0,0,.55);<!-- [et_pb_line_break_holder] --> transition:transform .6s cubic-bezier(.16,1,.3,1);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.about-photo:hover{transform:scale(1.02) translateY(-4px)}<!-- [et_pb_line_break_holder] -->\/* Floating stat cards on photo *\/<!-- [et_pb_line_break_holder] -->.about-stat{display:none}<!-- [et_pb_line_break_holder] -->.about-stat-val{font-family:'Bricolage Grotesque',sans-serif;font-size:22px;font-weight:800;color:#fff;line-height:1;letter-spacing:-.03em}<!-- [et_pb_line_break_holder] -->.about-stat-lbl{font-size:10px;color:#5298e0;font-weight:600;letter-spacing:.06em;text-transform:uppercase;margin-top:3px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Body *\/<!-- [et_pb_line_break_holder] -->.about-body p{font-size:15px;line-height:1.85;color:var(--silver);margin-bottom:0;font-weight:300}<!-- [et_pb_line_break_holder] -->.about-body strong{color:var(--white);font-weight:600}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Three-point list *\/<!-- [et_pb_line_break_holder] -->.about-points{display:flex;flex-direction:column;gap:0;margin:28px 0 0}<!-- [et_pb_line_break_holder] -->.about-point{<!-- [et_pb_line_break_holder] --> display:flex;align-items:flex-start;gap:16px;<!-- [et_pb_line_break_holder] --> padding:18px 0;<!-- [et_pb_line_break_holder] --> border-bottom:1px solid rgba(255,255,255,.05);<!-- [et_pb_line_break_holder] --> opacity:0;transform:translateX(-16px);<!-- [et_pb_line_break_holder] --> transition:opacity .5s ease,transform .5s ease;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.about-point:first-child{border-top:1px solid rgba(255,255,255,.05)}<!-- [et_pb_line_break_holder] -->.about-point.visible{opacity:1;transform:translateX(0)}<!-- [et_pb_line_break_holder] -->.about-point-icon{<!-- [et_pb_line_break_holder] --> width:36px;height:36px;border-radius:10px;flex-shrink:0;<!-- [et_pb_line_break_holder] --> background:rgba(36,113,200,.12);border:1px solid rgba(36,113,200,.2);<!-- [et_pb_line_break_holder] --> display:grid;place-items:center;margin-top:1px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.about-point-icon svg{color:#5298e0}<!-- [et_pb_line_break_holder] -->.about-point-body{flex:1}<!-- [et_pb_line_break_holder] -->.about-point-title{font-size:13px;font-weight:700;color:var(--white);margin-bottom:3px}<!-- [et_pb_line_break_holder] -->.about-point-desc{font-size:13px;color:var(--silver);line-height:1.6;font-weight:300}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 REVIEWS \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->#reviews{<!-- [et_pb_line_break_holder] --> scroll-snap-align:start;scroll-snap-stop:always;background:var(--ink2);padding:124px 5vw;border-top:1px solid rgba(255,255,255,.05)}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 REVEAL ANIMATIONS \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->.reveal{opacity:0;transform:translateY(28px);transition:opacity .65s ease,transform .65s ease}<!-- [et_pb_line_break_holder] -->.reveal.visible{opacity:1;transform:translateY(0)}<!-- [et_pb_line_break_holder] -->.reveal-delay-1{transition-delay:.1s}<!-- [et_pb_line_break_holder] -->.reveal-delay-2{transition-delay:.2s}<!-- [et_pb_line_break_holder] -->.reveal-delay-3{transition-delay:.3s}<!-- [et_pb_line_break_holder] -->.reveal-delay-4{transition-delay:.4s}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 PLANNER FIX \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->.ptab-panel.active{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:stretch}<!-- [et_pb_line_break_holder] -->@media(max-width:1100px){.ptab-panel.active{grid-template-columns:1fr;gap:28px}}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 REVIEW CARDS \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->.rev-card{background:var(--ink3);border:1px solid rgba(255,255,255,.07);border-radius:20px;padding:28px;transition:border-color .25s,transform .25s}<!-- [et_pb_line_break_holder] -->.rev-card:hover{border-color:rgba(36,113,200,.22);transform:translateY(-3px)}<!-- [et_pb_line_break_holder] -->.rev-card-featured{background:linear-gradient(145deg,var(--ink3),var(--ink));border-color:rgba(36,113,200,.22);grid-row:span 2;display:flex;flex-direction:column;justify-content:space-between}<!-- [et_pb_line_break_holder] -->.rev-card-featured:hover{border-color:rgba(36,113,200,.4)}<!-- [et_pb_line_break_holder] -->.rev-stars-sm{display:flex;gap:2px;margin-bottom:14px}<!-- [et_pb_line_break_holder] -->.rev-stars-sm svg{width:12px;height:12px;fill:#5298e0}<!-- [et_pb_line_break_holder] -->.rev-stars-lg{display:flex;gap:3px;margin-bottom:20px}<!-- [et_pb_line_break_holder] -->.rev-stars-lg svg{width:14px;height:14px;fill:#5298e0}<!-- [et_pb_line_break_holder] -->.rev-text-lg{font-size:17px;color:var(--white);line-height:1.7;font-style:italic;margin-bottom:24px;font-weight:300}<!-- [et_pb_line_break_holder] -->.rev-text-md{font-size:14px;color:var(--silver);line-height:1.75;font-style:italic;margin-bottom:16px;font-weight:300}<!-- [et_pb_line_break_holder] -->.rev-text-sm{font-size:12px;color:var(--silver);line-height:1.7;font-style:italic;margin-bottom:14px;font-weight:300}<!-- [et_pb_line_break_holder] -->.rev-author{display:flex;align-items:center;gap:12px;padding-top:20px;border-top:1px solid rgba(255,255,255,.08)}<!-- [et_pb_line_break_holder] -->.rev-author-sm{display:flex;align-items:center;gap:9px}<!-- [et_pb_line_break_holder] -->.rev-ava-lg{width:44px;height:44px;border-radius:50%;object-fit:cover;flex-shrink:0}<!-- [et_pb_line_break_holder] -->.rev-ava-md{width:36px;height:36px;border-radius:50%;object-fit:cover;flex-shrink:0}<!-- [et_pb_line_break_holder] -->.rev-ava-sm{width:30px;height:30px;border-radius:50%;object-fit:cover;flex-shrink:0}<!-- [et_pb_line_break_holder] -->.rev-name-lg{font-weight:700;font-size:14px;color:var(--white)}<!-- [et_pb_line_break_holder] -->.rev-name-md{font-weight:600;font-size:13px;color:var(--white)}<!-- [et_pb_line_break_holder] -->.rev-name-sm{font-weight:600;font-size:12px;color:var(--white)}<!-- [et_pb_line_break_holder] -->.rev-origin-lg{font-size:12px;color:var(--mist)}<!-- [et_pb_line_break_holder] -->.rev-origin-sm{font-size:10px;color:var(--mist)}<!-- [et_pb_line_break_holder] -->.rev-glogo{width:16px;height:16px;margin-left:auto;flex-shrink:0}<!-- [et_pb_line_break_holder] -->.rev-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}<!-- [et_pb_line_break_holder] -->.rev-rating-pill{display:flex;align-items:center;gap:16px;background:var(--ink3);border:1px solid rgba(255,255,255,.08);border-radius:14px;padding:14px 20px}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 BACK TO TOP \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->.btt{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:600;color:var(--mist);text-decoration:none;letter-spacing:.06em;text-transform:uppercase;transition:color .2s;border:none;background:none;cursor:pointer;padding:0}<!-- [et_pb_line_break_holder] -->.btt:hover{color:var(--white)}<!-- [et_pb_line_break_holder] -->.btt svg{transition:transform .2s}<!-- [et_pb_line_break_holder] -->.btt:hover svg{transform:translateY(-2px)}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 FOOTER \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->footer{background:var(--ink2);border-top:1px solid rgba(255,255,255,.05);width:100%;scroll-snap-align:start}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2500\u2500 RESPONSIVE \u2500\u2500 *\/<!-- [et_pb_line_break_holder] -->@media(max-width:1100px){<!-- [et_pb_line_break_holder] --> #hero{<!-- [et_pb_line_break_holder] --> scroll-snap-align:start;scroll-snap-stop:always;grid-template-columns:1fr;padding-top:100px;gap:32px}<!-- [et_pb_line_break_holder] --> .pwrap{width:100%;max-width:420px;margin:0 auto}<!-- [et_pb_line_break_holder] --> .hphoto{height:360px}<!-- [et_pb_line_break_holder] --> .fc{display:none}<!-- [et_pb_line_break_holder] --> .prob-grid{grid-template-columns:1fr 1fr;gap:0}<!-- [et_pb_line_break_holder] --> .about-grid{grid-template-columns:1fr;gap:40px}<!-- [et_pb_line_break_holder] --> .nright .nlinks{display:none}<!-- [et_pb_line_break_holder] --> .plan-body{grid-template-columns:1fr;gap:28px}<!-- [et_pb_line_break_holder] --> .ptab-panel.active{display:block}<!-- [et_pb_line_break_holder] --> .plan-inputs{margin-bottom:0}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@media(max-width:640px){<!-- [et_pb_line_break_holder] --> section{padding:72px 20px}<!-- [et_pb_line_break_holder] --> nav{padding:14px 20px}<!-- [et_pb_line_break_holder] --> #hero{<!-- [et_pb_line_break_holder] --> scroll-snap-align:start;scroll-snap-stop:always;padding:100px 20px 48px;gap:28px}<!-- [et_pb_line_break_holder] --> .hh1{font-size:clamp(28px,8.5vw,40px);margin-bottom:16px}<!-- [et_pb_line_break_holder] --> .hsub{font-size:14px;margin-bottom:28px}<!-- [et_pb_line_break_holder] --> .hactions{gap:12px;margin-bottom:32px}<!-- [et_pb_line_break_holder] --> .bprimary{padding:13px 22px;font-size:14px}<!-- [et_pb_line_break_holder] --> .hproof{gap:12px;padding-top:20px}<!-- [et_pb_line_break_holder] --> .hproof-sep{display:none}<!-- [et_pb_line_break_holder] --> .hproof-hide-mobile{display:none!important}<!-- [et_pb_line_break_holder] --> .pwrap{max-width:100%}<!-- [et_pb_line_break_holder] --> .hphoto{height:300px}<!-- [et_pb_line_break_holder] --> .prob-grid{grid-template-columns:1fr;gap:12px}<!-- [et_pb_line_break_holder] --> .prob-card{padding:24px}<!-- [et_pb_line_break_holder] --> .plan-card{padding:28px 20px}<!-- [et_pb_line_break_holder] --> .plan-header{margin-bottom:28px}<!-- [et_pb_line_break_holder] --> .plan-title{font-size:clamp(22px,7vw,32px)}<!-- [et_pb_line_break_holder] --> .plan-pills{gap:6px}<!-- [et_pb_line_break_holder] --> .plan-pill{padding:7px 13px;font-size:12px}<!-- [et_pb_line_break_holder] --> .plan-results{padding:24px 20px}<!-- [et_pb_line_break_holder] --> .plan-cta{font-size:13px;padding:12px 16px}<!-- [et_pb_line_break_holder] --> .plan-tabs{flex-direction:row;align-items:stretch;width:100%;max-width:100%}<!-- [et_pb_line_break_holder] --> .ptab{flex:1;justify-content:center;padding:11px 10px;font-size:13px}<!-- [et_pb_line_break_holder] --> .about-photo{height:280px}<!-- [et_pb_line_break_holder] --> .about-body p{font-size:14px}<!-- [et_pb_line_break_holder] --> #reviews{<!-- [et_pb_line_break_holder] --> scroll-snap-align:start;scroll-snap-stop:always;padding:72px 20px}<!-- [et_pb_line_break_holder] --> #reviews > div:nth-child(2){grid-template-columns:1fr!important}<!-- [et_pb_line_break_holder] --> #reviews > div:nth-child(3){grid-template-columns:1fr!important}<!-- [et_pb_line_break_holder] --> footer > div:first-child{grid-template-columns:1fr!important;gap:32px!important;padding:40px 20px 28px!important}<!-- [et_pb_line_break_holder] --> footer > div:last-child{flex-direction:column!important;align-items:flex-start!important;gap:8px!important;padding:16px 20px!important}<!-- [et_pb_line_break_holder] --> .hide-on-mobile{display:none!important}<!-- [et_pb_line_break_holder] --> .prob-quote{flex-direction:column;gap:8px;padding:22px}<!-- [et_pb_line_break_holder] --> .prob-quote-mark{font-size:36px}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> var played = false;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function doPlay(){<!-- [et_pb_line_break_holder] --> if(played) return;<!-- [et_pb_line_break_holder] --> var v = document.getElementById('heroVideo');<!-- [et_pb_line_break_holder] --> if(!v) return;<!-- [et_pb_line_break_holder] --> v.muted = true;<!-- [et_pb_line_break_holder] --> v.volume = 0;<!-- [et_pb_line_break_holder] --> v.defaultMuted = true;<!-- [et_pb_line_break_holder] --> \/\/ Set rate AFTER play resolves \u2014 setting before can block iOS<!-- [et_pb_line_break_holder] --> var p = v.play();<!-- [et_pb_line_break_holder] --> if(p && p.then){<!-- [et_pb_line_break_holder] --> p.then(function(){ played = true; v.playbackRate = 0.55; }).catch(function(){});<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> played = true;<!-- [et_pb_line_break_holder] --> v.playbackRate = 0.55;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ iOS: register touch listener with passive:false so it counts as user gesture<!-- [et_pb_line_break_holder] --> \/\/ Must be registered BEFORE any play() call<!-- [et_pb_line_break_holder] --> var removeTouch = function(){};<!-- [et_pb_line_break_holder] --> function onTouch(){<!-- [et_pb_line_break_holder] --> doPlay();<!-- [et_pb_line_break_holder] --> removeTouch();<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> document.addEventListener('touchstart', onTouch, {capture:true, passive:false});<!-- [et_pb_line_break_holder] --> document.addEventListener('click', onTouch, {capture:true, once:true});<!-- [et_pb_line_break_holder] --> removeTouch = function(){<!-- [et_pb_line_break_holder] --> document.removeEventListener('touchstart', onTouch, true);<!-- [et_pb_line_break_holder] --> document.removeEventListener('click', onTouch, true);<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Desktop + Android: try autoplay normally<!-- [et_pb_line_break_holder] --> function tryAuto(){<!-- [et_pb_line_break_holder] --> var v = document.getElementById('heroVideo');<!-- [et_pb_line_break_holder] --> if(!v || played) return;<!-- [et_pb_line_break_holder] --> v.muted = true; v.volume = 0; v.defaultMuted = true;<!-- [et_pb_line_break_holder] --> v.play().then(function(){ played = true; v.playbackRate = 0.55; }).catch(function(){});<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> document.addEventListener('DOMContentLoaded', tryAuto);<!-- [et_pb_line_break_holder] --> window.addEventListener('load', tryAuto);<!-- [et_pb_line_break_holder] --> \/\/ Retry when page becomes visible (tab switch, home button return)<!-- [et_pb_line_break_holder] --> document.addEventListener('visibilitychange', function(){<!-- [et_pb_line_break_holder] --> if(!document.hidden) doPlay();<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> window.addEventListener('pageshow', doPlay);<!-- [et_pb_line_break_holder] --> setTimeout(tryAuto, 300);<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<nav><!-- [et_pb_line_break_holder] --> <a href=\"#hero\" class=\"nl\"><!-- [et_pb_line_break_holder] --> <span style=\"font-family:'Bricolage Grotesque',sans-serif;font-weight:800;font-size:22px;background:linear-gradient(135deg,#a8d4ff,var(--blue2));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;letter-spacing:-.02em;line-height:1;flex-shrink:0;\">MG<\/span><!-- [et_pb_line_break_holder] --> <span class=\"nav-name\">Milad Gholampour<\/span><!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"nright\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"nlinks\"><!-- [et_pb_line_break_holder] --> <a href=\"#problem\" data-en=\"The Problem\" data-de=\"Das Problem\" data-fa=\"\u0645\u0634\u06a9\u0644\">The Problem<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#planner\" data-en=\"Planner\" data-de=\"Planer\" data-fa=\"\u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0631\u06cc\u0632\">Planner<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#about\" data-en=\"About\" data-de=\"\u00dcber mich\" data-fa=\"\u062f\u0631\u0628\u0627\u0631\u0647\">About<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#reviews\" data-en=\"Reviews\" data-de=\"Bewertungen\" data-fa=\"\u0646\u0638\u0631\u0627\u062a\">Reviews<\/a><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"nlang\" id=\"langSwitcher\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"nlang-trigger\" id=\"langTrigger\"><!-- [et_pb_line_break_holder] --> <span id=\"langLabel\">EN<\/span><!-- [et_pb_line_break_holder] --> <svg width=\"10\" height=\"10\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M19 9l-7 7-7-7\"\/><\/svg><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"nlang-dropdown\" id=\"langDropdown\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"nlang-option active\" data-lang=\"en\" data-code=\"EN\"><span>English<\/span><\/p>\n<div class=\"nlang-check\"><svg fill=\"currentColor\" viewBox=\"0 0 24 24\"><path d=\"M5 13l4 4L19 7\"\/><\/svg><\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"nlang-option\" data-lang=\"fa\" data-code=\"FA\"><span>\u0641\u0627\u0631\u0633\u06cc<\/span><\/p>\n<div class=\"nlang-check\"><svg fill=\"currentColor\" viewBox=\"0 0 24 24\"><path d=\"M5 13l4 4L19 7\"\/><\/svg><\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"nlang-option\" data-lang=\"de\" data-code=\"DE\"><span>Deutsch<\/span><\/p>\n<div class=\"nlang-check\"><svg fill=\"currentColor\" viewBox=\"0 0 24 24\"><path d=\"M5 13l4 4L19 7\"\/><\/svg><\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/wa.me\/4917645833573\" id=\"navCta\" class=\"ncta\" data-en=\"Talk to Milad\" data-de=\"Milad kontaktieren\" data-fa=\"\u0628\u0627 \u0645\u06cc\u0644\u0627\u062f \u0635\u062d\u0628\u062a \u06a9\u0646\" style=\"display:inline-flex;align-items:center;gap:7px;\"><svg width=\"13\" height=\"13\" fill=\"currentColor\" viewBox=\"0 0 24 24\" style=\"flex-shrink:0\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347z\"\/><path d=\"M12 0C5.373 0 0 5.373 0 12c0 2.122.555 4.116 1.524 5.842L0 24l6.266-1.562A11.94 11.94 0 0012 24c6.627 0 12-5.373 12-12S18.627 0 12 0zm0 21.818a9.805 9.805 0 01-5.003-1.367l-.359-.213-3.721.928.99-3.618-.233-.37A9.818 9.818 0 012.182 12C2.182 6.578 6.578 2.182 12 2.182S21.818 6.578 21.818 12 17.422 21.818 12 21.818z\"\/><\/svg><span data-en=\"Talk to Milad\" data-de=\"Milad kontaktieren\" data-fa=\"\u0628\u0627 \u0645\u06cc\u0644\u0627\u062f \u0635\u062d\u0628\u062a \u06a9\u0646\">Talk to Milad<\/span><\/a><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/nav>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550 HERO \u2550\u2550\u2550\u2550\u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] --><\/p>\n<section id=\"hero\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hbg\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- New video. Design-ohne-Titel-4.mp4 --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hvid\"><!-- [et_pb_line_break_holder] --> <video id=\"heroVideo\" autoplay muted loop playsinline preload=\"auto\" webkit-playsinline x-webkit-airplay=\"allow\"><!-- [et_pb_line_break_holder] --><source src=\"https:\/\/milad-gholampour.de\/wp-content\/uploads\/2026\/03\/Design-ohne-Titel-4.mp4\" type=\"video\/mp4\"><!-- [et_pb_line_break_holder] --><\/video><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Ambient center glow --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hglow\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Film grain --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hgrain\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- One-time cinematic light sweep on load --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hsweep\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- LEFT. TEXT --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hleft\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"htag\" data-en=\"Independent Advisor \u00b7 Germany\" data-de=\"Unabh\u00e4ngiger Berater \u00b7 Deutschland\" data-fa=\"\u0645\u0634\u0627\u0648\u0631 \u0645\u0633\u062a\u0642\u0644 \u0645\u0627\u0644\u06cc \u00b7 \u0622\u0644\u0645\u0627\u0646\">Independent Advisor, Germany<\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<h1 class=\"hh1\"><!-- [et_pb_line_break_holder] --> <span data-en=\"Your finance\" data-de=\"Ihre Finanzen\" data-fa=\"\u0645\u0627\u0644\u06cc\u0647 \u0634\u0645\u0627\">Your finance<\/span><!-- [et_pb_line_break_holder] --> <span data-en=\"Your retirement\" data-de=\"Ihre Rente\" data-fa=\"\u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0634\u0645\u0627\">Your retirement<\/span><!-- [et_pb_line_break_holder] --> <span class=\"ga\" data-en=\"Sorted in your language\" data-de=\"In Ihrer Sprache\" data-fa=\"\u062d\u0644 \u0634\u062f\u0647 \u0628\u0647 \u0632\u0628\u0627\u0646 \u0634\u0645\u0627\">Sorted in your language<\/span><!-- [et_pb_line_break_holder] --> <\/h1>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <pee class=\"hsub\" data-en=\"Most expats in Germany have the income. What's missing is a specialist who understands retirement planning, knows property financing, and speaks English or Persian fluently. That is Milad.\" data-de=\"Die meisten Expats in Deutschland haben das Einkommen. Was fehlt, ist ein Spezialist, der Altersvorsorge versteht, Immobilienfinanzierung kennt und flie\u00dfend Englisch oder Persisch spricht. Das ist Milad.\" data-fa=\"\u0627\u06a9\u062b\u0631 \u0627\u06a9\u0633\u067e\u062a\u200c\u0647\u0627 \u062f\u0631 \u0622\u0644\u0645\u0627\u0646 \u062f\u0631\u0622\u0645\u062f \u062f\u0627\u0631\u0646\u062f. \u0622\u0646\u0686\u0647 \u06a9\u0645 \u0627\u0633\u062a \u0645\u062a\u062e\u0635\u0635\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0631\u06cc\u0632\u06cc \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0631\u0627 \u062f\u0631\u06a9 \u06a9\u0646\u062f\u060c \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0645\u0633\u06a9\u0646 \u0631\u0627 \u0628\u0634\u0646\u0627\u0633\u062f \u0648 \u0631\u0648\u0627\u0646 \u0627\u0646\u06af\u0644\u06cc\u0633\u06cc \u06cc\u0627 \u0641\u0627\u0631\u0633\u06cc \u0635\u062d\u0628\u062a \u06a9\u0646\u062f. \u0627\u06cc\u0646 \u0645\u06cc\u0644\u0627\u062f \u0627\u0633\u062a.\">Most expats in Germany have the income. What’s missing is a specialist who understands retirement planning, knows property financing, and speaks English or Persian fluently. That is Milad.<\/pee><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hactions\"><!-- [et_pb_line_break_holder] --> <a href=\"#problem\" class=\"hero-scroll-cta\"><!-- [et_pb_line_break_holder] --> <span data-en=\"Discover more\" data-de=\"Mehr entdecken\" data-fa=\"\u0628\u06cc\u0634\u062a\u0631 \u0628\u062f\u0627\u0646\u06cc\u062f\">Discover more<\/span><!-- [et_pb_line_break_holder] --> <svg width=\"18\" height=\"18\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M12 5v14M5 12l7 7 7-7\"\/><\/svg><!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hproof\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hproof-avs\"><!-- [et_pb_line_break_holder] --> <img decoding=\"async\" src=\"https:\/\/randomuser.me\/api\/portraits\/men\/56.jpg\" alt=\"\"><!-- [et_pb_line_break_holder] --> <img decoding=\"async\" src=\"https:\/\/randomuser.me\/api\/portraits\/women\/44.jpg\" alt=\"\"><!-- [et_pb_line_break_holder] --> <img decoding=\"async\" src=\"https:\/\/randomuser.me\/api\/portraits\/men\/32.jpg\" alt=\"\"><!-- [et_pb_line_break_holder] --> <img decoding=\"async\" src=\"https:\/\/randomuser.me\/api\/portraits\/women\/33.jpg\" alt=\"\"><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hproof-txt\"><!-- [et_pb_line_break_holder] --> <strong data-en=\"Clients advised\" data-de=\"Beratene Klienten\" data-fa=\"\u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u0645\u0634\u0627\u0648\u0631\u0647 \u0634\u062f\u0647\">Clients advised<\/strong><!-- [et_pb_line_break_holder] --> <span data-en=\"across Germany\" data-de=\"in ganz Deutschland\" data-fa=\"\u062f\u0631 \u0633\u0631\u0627\u0633\u0631 \u0622\u0644\u0645\u0627\u0646\">across Germany<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hproof-sep\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hproof-stat\"><!-- [et_pb_line_break_holder] --> <strong data-en=\"Retirement + Fin\" data-de=\"Altersvorsorge + Fin\" data-fa=\"\u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc + \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc\">Retirement + Fin<\/strong><!-- [et_pb_line_break_holder] --> <span data-en=\"double specialist\" data-de=\"Doppel-Spezialist\" data-fa=\"\u0645\u062a\u062e\u0635\u0635 \u062f\u0648 \u062d\u0648\u0632\u0647\">double specialist<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hproof-sep hproof-hide-mobile\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hproof-stat hproof-hide-mobile\"><!-- [et_pb_line_break_holder] --> <strong>5.0 \u2605<\/strong><!-- [et_pb_line_break_holder] --> <span data-en=\"verified reviews\" data-de=\"verifizierte Bewertungen\" data-fa=\"\u0646\u0638\u0631\u0627\u062a \u062a\u0623\u06cc\u06cc\u062f \u0634\u062f\u0647\">verified reviews<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- RIGHT. PHOTO CARD --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hright\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"pwrap\"><!-- [et_pb_line_break_holder] --> <img decoding=\"async\" class=\"hphoto\" src=\"https:\/\/omar-salem-beratung.de\/wp-content\/uploads\/2026\/03\/milad-gholampour.image_.l.png\" alt=\"Milad Gholampour\"><!-- [et_pb_line_break_holder] --> <!-- Cinematic photo grade --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"hphoto-grade\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Language overlay \u2014 bottom center --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fc\" style=\"bottom:20px;left:50%;transform:translateX(-50%);white-space:nowrap;animation:fcReveal .5s 1s ease both;padding:12px 18px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.45);text-align:center;margin-bottom:10px\" data-en=\"Milad speaks\" data-de=\"Milad spricht\" data-fa=\"\u0645\u06cc\u0644\u0627\u062f \u0635\u062d\u0628\u062a \u0645\u06cc\u200c\u06a9\u0646\u062f\">Milad speaks<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;align-items:center;gap:14px;justify-content:center\"><!-- [et_pb_line_break_holder] --> <!-- English --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;flex-direction:column;align-items:center;gap:5px\"><!-- [et_pb_line_break_holder] --> <span style=\"font-size:22px;line-height:1\">\ud83c\uddec\ud83c\udde7<\/span><!-- [et_pb_line_break_holder] --> <span style=\"font-size:10px;font-weight:600;color:var(--white)\" data-en=\"English\" data-de=\"Englisch\" data-fa=\"\u0627\u0646\u06af\u0644\u06cc\u0633\u06cc\">English<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"width:1px;height:28px;background:rgba(255,255,255,.12)\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- German --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;flex-direction:column;align-items:center;gap:5px\"><!-- [et_pb_line_break_holder] --> <span style=\"font-size:22px;line-height:1\">\ud83c\udde9\ud83c\uddea<\/span><!-- [et_pb_line_break_holder] --> <span style=\"font-size:10px;font-weight:600;color:var(--white)\" data-en=\"German\" data-de=\"Deutsch\" data-fa=\"\u0622\u0644\u0645\u0627\u0646\u06cc\">German<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"width:1px;height:28px;background:rgba(255,255,255,.12)\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- Persian --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;flex-direction:column;align-items:center;gap:5px\"><!-- [et_pb_line_break_holder] --> <span style=\"font-size:22px;line-height:1\">\ud83c\uddee\ud83c\uddf7<\/span><!-- [et_pb_line_break_holder] --> <span style=\"font-size:10px;font-weight:600;color:var(--white)\" data-en=\"Persian\" data-de=\"Persisch\" data-fa=\"\u0641\u0627\u0631\u0633\u06cc\">Persian<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Keep rSlot for JS compat --><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"rSlot\" style=\"display:none\">\n<div id=\"rLayerA\"><\/div>\n<div id=\"rLayerB\"><\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- TICKER --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"ticker\">\n<div class=\"ttrack\" id=\"ticker\"><\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- THE PROBLEM --><!-- [et_pb_line_break_holder] --><\/p>\n<section id=\"problem\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Gradient defs for viz --><!-- [et_pb_line_break_holder] --> <svg width=\"0\" height=\"0\" style=\"position:absolute;pointer-events:none\"><!-- [et_pb_line_break_holder] --> <defs><!-- [et_pb_line_break_holder] --> <linearGradient id=\"redGradP\" x1=\"0%\" y1=\"0%\" x2=\"100%\" y2=\"100%\"><!-- [et_pb_line_break_holder] --> <stop offset=\"0%\" stop-color=\"#e05252\"\/><!-- [et_pb_line_break_holder] --> <stop offset=\"100%\" stop-color=\"#ff9e9e\"\/><!-- [et_pb_line_break_holder] --> <\/linearGradient><!-- [et_pb_line_break_holder] --> <\/defs><!-- [et_pb_line_break_holder] --> <\/svg><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- BANNER --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-banner\" id=\"probBanner\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"pb-reveal\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-family:'Bricolage Grotesque',sans-serif;font-size:clamp(13px,1.4vw,16px);font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--white);margin-bottom:20px;\"<!-- [et_pb_line_break_holder] --> data-en=“The real cost of doing nothing“<!-- [et_pb_line_break_holder] --> data-de=“Die wahren Kosten des Abwartens“<!-- [et_pb_line_break_holder] --> data-fa=“\u0647\u0632\u06cc\u0646\u0647 \u0648\u0627\u0642\u0639\u06cc \u0628\u06cc\u200c\u0627\u0642\u062f\u0627\u0645\u06cc“>The real cost of doing nothing<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"pb-reveal\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-damage-wrap\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-damage-prefix\">\u20ac<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-damage-num\" id=\"damageNum\">0<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-damage-suffix-row\" style=\"margin-top:8px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-damage-suffix\" data-en=\"lost by the average expat in Germany\" data-de=\"verloren vom durchschnittlichen Expat in Deutschland\" data-fa=\"\u0627\u0632 \u062f\u0633\u062a \u0631\u0641\u062a\u0647 \u062a\u0648\u0633\u0637 \u0645\u06cc\u0627\u0646\u06af\u06cc\u0646 \u0627\u06a9\u0633\u067e\u062a \u062f\u0631 \u0622\u0644\u0645\u0627\u0646\">lost by the average expat in Germany<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"pb-reveal\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-year-pills\" style=\"margin-top:40px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-year-pill\" data-loss=\"19200\" data-en=\"Over 5 years\" data-de=\"\u00dcber 5 Jahre\" data-fa=\"\u062f\u0631 \u06f5 \u0633\u0627\u0644\">Over 5 years<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-year-pill active\" data-loss=\"38400\" data-en=\"Over 10 years\" data-de=\"\u00dcber 10 Jahre\" data-fa=\"\u062f\u0631 \u06f1\u06f0 \u0633\u0627\u0644\">Over 10 years<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-year-pill\" data-loss=\"76800\" data-en=\"Over 20 years\" data-de=\"\u00dcber 20 Jahre\" data-fa=\"\u062f\u0631 \u06f2\u06f0 \u0633\u0627\u0644\">Over 20 years<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-year-pill\" data-loss=\"115200\" data-en=\"To retirement\" data-de=\"Bis zur Rente\" data-fa=\"\u062a\u0627 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc\">To retirement<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- \/prob-banner --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- 4 FACT TILES --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-facts\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- 01 Retirement Gap. FEATURED --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact prob-fact-1\" id=\"pf1\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-icon\" style=\"background:rgba(82,152,224,.12)\"><!-- [et_pb_line_break_holder] --> <svg width=\"18\" height=\"18\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"var(--blue3)\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><!-- [et_pb_line_break_holder] --> <path d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"\/><!-- [et_pb_line_break_holder] --> <\/svg><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"pf1-chart\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"pf1-bar pf1-bar-state\" id=\"pf1barState\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"width:8px\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"pf1-bar pf1-bar-need\" id=\"pf1barNeed\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"pf1-bar-labels\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"pf1-bar-lbl\" data-en=\"State\" data-de=\"Staat\" data-fa=\"\u062f\u0648\u0644\u062a\u06cc\">State<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"width:8px\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"pf1-bar-lbl\" data-en=\"Need\" data-de=\"Bedarf\" data-fa=\"\u0646\u06cc\u0627\u0632\">Need<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-val fv-blue\">\u20ac1,840<span style=\"font-size:.45em;font-weight:600;color:var(--mist)\" data-en=\"\/mo gap\" data-de=\"\/Mon. L\u00fccke\" data-fa=\"\/\u0645\u0627\u0647 \u0634\u06a9\u0627\u0641\">\/mo gap<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-label\" data-en=\"Retirement shortfall left unaddressed\" data-de=\"Ungedeckte Rentenl\u00fccke\" data-fa=\"\u0634\u06a9\u0627\u0641 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0628\u062f\u0648\u0646 \u0631\u0627\u0647\u200c\u062d\u0644\">Retirement shortfall left unaddressed<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-desc\" data-en=\"The German pension covers roughly 40% of what you actually need. The rest is yours to build through the right structure: bAV, R\u00fcrup or private 3rd pillar.\" data-de=\"Die gesetzliche Rente deckt nur ca. 40% Ihres tats\u00e4chlichen Bedarfs. Den Rest m\u00fcssen Sie selbst aufbauen: bAV, R\u00fcrup oder private Vorsorge.\" data-fa=\"\u0645\u0633\u062a\u0645\u0631\u06cc \u0622\u0644\u0645\u0627\u0646 \u062a\u0642\u0631\u06cc\u0628\u0627\u064b \u06f4\u06f0\u066a \u0622\u0646\u0686\u0647 \u0648\u0627\u0642\u0639\u0627\u064b \u0646\u06cc\u0627\u0632 \u062f\u0627\u0631\u06cc\u062f \u0631\u0627 \u067e\u0648\u0634\u0634 \u0645\u06cc\u200c\u062f\u0647\u062f. \u0628\u0642\u06cc\u0647 \u0628\u0627\u06cc\u062f \u0627\u0632 \u0637\u0631\u06cc\u0642 \u0633\u0627\u062e\u062a\u0627\u0631 \u062f\u0631\u0633\u062a \u0633\u0627\u062e\u062a\u0647 \u0634\u0648\u062f: bAV\u060c \u0631\u0648\u0631\u0648\u067e \u06cc\u0627 \u0633\u062a\u0648\u0646 \u0633\u0648\u0645 \u062e\u0635\u0648\u0635\u06cc.\">The German pension covers roughly 40% of what you actually need. The rest is yours to build through the right structure: bAV, R\u00fcrup or private 3rd pillar.<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- 02 Tax Drain --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact prob-fact-2\" id=\"pf2\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-icon\" style=\"background:rgba(224,82,82,.1)\"><!-- [et_pb_line_break_holder] --> <svg width=\"18\" height=\"18\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"#e05252\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><!-- [et_pb_line_break_holder] --> <path d=\"M12 2L2 7l10 5 10-5-10-5z\"\/><!-- [et_pb_line_break_holder] --> <path d=\"M2 17l10 5 10-5\"\/><!-- [et_pb_line_break_holder] --> <path d=\"M2 12l10 5 10-5\"\/><!-- [et_pb_line_break_holder] --> <\/svg><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-val fv-red\">\u20ac7,008<span style=\"font-size:.45em;font-weight:600;color:var(--mist)\" data-en=\"\/yr\" data-de=\"\/Jahr\" data-fa=\"\/\u0633\u0627\u0644\">\/yr<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-label\" data-en=\"Tax overpaid every single year\" data-de=\"Jedes Jahr zu viel Steuern gezahlt\" data-fa=\"\u0645\u0627\u0644\u06cc\u0627\u062a \u0627\u0636\u0627\u0641\u0647\u200c\u067e\u0631\u062f\u0627\u062e\u062a \u062f\u0631 \u0647\u0631 \u0633\u0627\u0644\">Tax overpaid every single year<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-desc\" data-en=\"A correctly structured AV cuts taxable income by up to \u20ac7,008 per year. Most expats pay the full rate for a decade because no one told them it was avoidable.\" data-de=\"Eine korrekt strukturierte AV reduziert das zu versteuernde Einkommen um bis zu \u20ac7.008 pro Jahr. Die meisten Expats zahlen jahrelang den vollen Satz. weil ihnen niemand sagte, dass es vermeidbar ist.\" data-fa=\"\u06cc\u06a9 AV \u0628\u0627 \u0633\u0627\u062e\u062a\u0627\u0631 \u0635\u062d\u06cc\u062d \u062f\u0631\u0622\u0645\u062f \u0645\u0634\u0645\u0648\u0644 \u0645\u0627\u0644\u06cc\u0627\u062a \u0631\u0627 \u062a\u0627 \u20ac\u06f7,\u06f0\u06f0\u06f8 \u062f\u0631 \u0633\u0627\u0644 \u06a9\u0627\u0647\u0634 \u0645\u06cc\u200c\u062f\u0647\u062f. \u0627\u06a9\u062b\u0631 \u0627\u06a9\u0633\u067e\u062a\u200c\u0647\u0627 \u06cc\u06a9 \u062f\u0647\u0647 \u0646\u0631\u062e \u06a9\u0627\u0645\u0644 \u0645\u06cc\u200c\u067e\u0631\u062f\u0627\u0632\u0646\u062f \u0686\u0648\u0646 \u0647\u06cc\u0686\u200c\u06a9\u0633 \u0628\u0647 \u0622\u0646\u200c\u0647\u0627 \u0646\u06af\u0641\u062a \u06a9\u0647 \u0642\u0627\u0628\u0644 \u0627\u062c\u062a\u0646\u0627\u0628 \u0627\u0633\u062a.\">A correctly structured AV cuts taxable income by up to \u20ac7,008 per year. Most expats pay the full rate for a decade because no one told them it was avoidable.<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- 03 Bank Rejection --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact prob-fact-3\" id=\"pf3\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-icon\" style=\"background:rgba(245,158,11,.1)\"><!-- [et_pb_line_break_holder] --> <svg width=\"18\" height=\"18\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"#f59e0b\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><!-- [et_pb_line_break_holder] --> <path d=\"M3 21h18M3 10h18M5 6l7-3 7 3M4 10v11M20 10v11M8 14v3M12 14v3M16 14v3\"\/><!-- [et_pb_line_break_holder] --> <\/svg><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-val fv-amber\">73%<span style=\"font-size:.45em;font-weight:600;color:var(--mist)\" data-en=\" rejected\" data-de=\" abgelehnt\" data-fa=\" \u0631\u062f \u0634\u062f\u0647\"> rejected<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-label\" data-en=\"Banks say no on visa status alone\" data-de=\"Banken lehnen nur wegen Visastatus ab\" data-fa=\"\u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0641\u0642\u0637 \u0628\u0647 \u062e\u0627\u0637\u0631 \u0648\u0636\u0639\u06cc\u062a \u0648\u06cc\u0632\u0627 \u0631\u062f \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f\">Banks say no on visa status alone<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-desc\" data-en=\"Blue Card, limited Aufenthaltstitel, self-employed. all treated as red flags. Specialist lenders who work with expats exist. Most people just never find them.\" data-de=\"Blue Card, befristeter Aufenthaltstitel, Selbstst\u00e4ndig. alles rote Flaggen f\u00fcr Banken. Spezialisierte Kreditgeber f\u00fcr Expats existieren. Die meisten finden sie einfach nie.\" data-fa=\"\u0628\u0644\u0648 \u06a9\u0627\u0631\u062a\u060c \u0627\u062c\u0627\u0632\u0647 \u0627\u0642\u0627\u0645\u062a \u0645\u0648\u0642\u062a\u060c \u062e\u0648\u062f\u0627\u0634\u062a\u063a\u0627\u0644. \u0647\u0645\u0647 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u067e\u0631\u0686\u0645 \u0642\u0631\u0645\u0632 \u062a\u0644\u0642\u06cc \u0645\u06cc\u200c\u0634\u0648\u0646\u062f. \u0648\u0627\u0645\u200c\u062f\u0647\u0646\u062f\u06af\u0627\u0646 \u0645\u062a\u062e\u0635\u0635 \u06a9\u0647 \u0628\u0627 \u0627\u06a9\u0633\u067e\u062a\u200c\u0647\u0627 \u06a9\u0627\u0631 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f \u0648\u062c\u0648\u062f \u062f\u0627\u0631\u0646\u062f. \u0627\u06a9\u062b\u0631 \u0645\u0631\u062f\u0645 \u0647\u0631\u06af\u0632 \u0622\u0646\u200c\u0647\u0627 \u0631\u0627 \u067e\u06cc\u062f\u0627 \u0646\u0645\u06cc\u200c\u06a9\u0646\u0646\u062f.\">Blue Card, limited Aufenthaltstitel, self-employed. all treated as red flags. Specialist lenders who work with expats exist. Most people just never find them.<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- 04 Language Gap --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact prob-fact-4\" id=\"pf4\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-icon\" style=\"background:rgba(82,152,224,.1)\"><!-- [et_pb_line_break_holder] --> <svg width=\"18\" height=\"18\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"var(--blue3)\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><!-- [et_pb_line_break_holder] --> <path d=\"M21 15a2 2 0 01-2 2H7l-4 4V5a2 2 0 012-2h14a2 2 0 012 2z\"\/><!-- [et_pb_line_break_holder] --> <path d=\"M12 8v.01M12 11a1 1 0 000 2\"\/><!-- [et_pb_line_break_holder] --> <\/svg><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-val fv-blue\">100%<span style=\"font-size:.45em;font-weight:600;color:var(--mist)\" data-en=\" German\" data-de=\" Deutsch\" data-fa=\" \u0622\u0644\u0645\u0627\u0646\u06cc\"> German<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-label\" data-en=\"Every consultation in a language you struggle with\" data-de=\"Jede Beratung in einer Sprache, die Sie kaum verstehen\" data-fa=\"\u0647\u0631 \u0645\u0634\u0627\u0648\u0631\u0647\u200c\u0627\u06cc \u0628\u0647 \u0632\u0628\u0627\u0646\u06cc \u06a9\u0647 \u0628\u0631\u0627\u06cc\u062a\u0627\u0646 \u0633\u062e\u062a \u0627\u0633\u062a\">Every consultation in a language you struggle with<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-fact-desc\" data-en=\"Legal German. Advisors who assume you follow. You nod and leave more confused than before. Milad advises in English and Persian. No exceptions.\" data-de=\"Juristisches Deutsch. Berater, die annehmen, dass Sie folgen. Sie nicken und gehen verwirrter als zuvor. Milad ber\u00e4t auf Englisch und Persisch. Keine Ausnahmen.\" data-fa=\"\u0622\u0644\u0645\u0627\u0646\u06cc \u062d\u0642\u0648\u0642\u06cc. \u0645\u0634\u0627\u0648\u0631\u0627\u0646\u06cc \u06a9\u0647 \u0641\u0631\u0636 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f \u0645\u06cc\u200c\u0641\u0647\u0645\u06cc\u062f. \u0633\u0631 \u062a\u06a9\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u06cc\u062f \u0648 \u0633\u0631\u062f\u0631\u06af\u0645\u200c\u062a\u0631 \u0627\u0632 \u0642\u0628\u0644 \u0645\u06cc\u200c\u0631\u0648\u06cc\u062f. \u0645\u06cc\u0644\u0627\u062f \u0628\u0647 \u0627\u0646\u06af\u0644\u06cc\u0633\u06cc \u0648 \u0641\u0627\u0631\u0633\u06cc \u0645\u0634\u0627\u0648\u0631\u0647 \u0645\u06cc\u200c\u062f\u0647\u062f. \u0628\u062f\u0648\u0646 \u0627\u0633\u062a\u062b\u0646\u0627.\">Legal German. Advisors who assume you follow. You nod and leave more confused than before. Milad advises in English and Persian. No exceptions.<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- QUOTE STRIP --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-quote-strip\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-quote-text-new\"><!-- [et_pb_line_break_holder] --> <span data-en=\"All four problems are fixable\" data-de=\"Alle vier Probleme sind l\u00f6sbar\" data-fa=\"\u0647\u0631 \u0686\u0647\u0627\u0631 \u0645\u0634\u06a9\u0644 \u0642\u0627\u0628\u0644 \u062d\u0644 \u0647\u0633\u062a\u0646\u062f\">All four problems are <em>fixable<\/em><\/span><!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> <span data-en=\"But only if you start now. every year you wait compounds the damage\" data-de=\"Aber nur wenn Sie jetzt anfangen. jedes Jahr Warten vergr\u00f6\u00dfert den Schaden\" data-fa=\"\u0627\u0645\u0627 \u0641\u0642\u0637 \u0627\u06af\u0631 \u0647\u0645\u06cc\u0646 \u0627\u0644\u0627\u0646 \u0634\u0631\u0648\u0639 \u06a9\u0646\u06cc\u062f. \u0647\u0631 \u0633\u0627\u0644 \u06a9\u0647 \u0635\u0628\u0631 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f \u062e\u0633\u0627\u0631\u062a \u0631\u0627 \u0645\u0636\u0627\u0639\u0641 \u0645\u06cc\u200c\u06a9\u0646\u062f\">But only if you start <em>now<\/em>. every year you wait compounds the damage<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"prob-quote-author-new\" data-en=\"Milad Gholampour, Independent Financial Advisor\" data-de=\"Milad Gholampour, Unabh\u00e4ngiger Finanzberater\" data-fa=\"\u0645\u06cc\u0644\u0627\u062f \u063a\u0644\u0627\u0645\u067e\u0648\u0631\u060c \u0645\u0634\u0627\u0648\u0631 \u0645\u0627\u0644\u06cc \u0645\u0633\u062a\u0642\u0644\">Milad Gholampour, Independent Financial Advisor<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/wa.me\/4917645833573\" class=\"bprimary\" style=\"flex-shrink:0\"><!-- [et_pb_line_break_holder] --> <svg width=\"15\" height=\"15\" fill=\"currentColor\" viewBox=\"0 0 24 24\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347z\"\/><path d=\"M12 0C5.373 0 0 5.373 0 12c0 2.122.555 4.116 1.524 5.842L0 24l6.266-1.562A11.94 11.94 0 0012 24c6.627 0 12-5.373 12-12S18.627 0 12 0zm0 21.818a9.805 9.805 0 01-5.003-1.367l-.359-.213-3.721.928.99-3.618-.233-.37A9.818 9.818 0 012.182 12C2.182 6.578 6.578 2.182 12 2.182S21.818 6.578 21.818 12 17.422 21.818 12 21.818z\"\/><\/svg><!-- [et_pb_line_break_holder] --> <span data-en=\"Fix this with a free call\" data-de=\"Jetzt kostenlos kl\u00e4ren\" data-fa=\"\u0627\u06cc\u0646 \u0631\u0627 \u0628\u0627 \u06cc\u06a9 \u062a\u0645\u0627\u0633 \u0631\u0627\u06cc\u06af\u0627\u0646 \u062d\u0644 \u06a9\u0646\">Fix this with a free call<\/span><!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- PLANNER --><!-- [et_pb_line_break_holder] --><\/p>\n<section id=\"planner\" dir=\"ltr\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-grid-bg\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-orb\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-wrap\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- SVG defs --><!-- [et_pb_line_break_holder] --> <svg width=\"0\" height=\"0\" style=\"position:absolute\"><!-- [et_pb_line_break_holder] --> <defs><!-- [et_pb_line_break_holder] --> <linearGradient id=\"chartGrad\" x1=\"0%\" y1=\"0%\" x2=\"100%\" y2=\"0%\"><!-- [et_pb_line_break_holder] --> <stop offset=\"0%\" stop-color=\"#1a56a0\"\/><!-- [et_pb_line_break_holder] --> <stop offset=\"100%\" stop-color=\"#2471c8\"\/><!-- [et_pb_line_break_holder] --> <\/linearGradient><!-- [et_pb_line_break_holder] --> <linearGradient id=\"areaGradLight\" x1=\"0\" y1=\"0\" x2=\"0\" y2=\"1\"><!-- [et_pb_line_break_holder] --> <stop offset=\"0%\" stop-color=\"#2471c8\" stop-opacity=\"0.14\"\/><!-- [et_pb_line_break_holder] --> <stop offset=\"100%\" stop-color=\"#2471c8\" stop-opacity=\"0\"\/><!-- [et_pb_line_break_holder] --> <\/linearGradient><!-- [et_pb_line_break_holder] --> <linearGradient id=\"gaugeGrad\" x1=\"0%\" y1=\"0%\" x2=\"100%\" y2=\"0%\"><!-- [et_pb_line_break_holder] --> <stop offset=\"0%\" stop-color=\"#1a56a0\"\/><!-- [et_pb_line_break_holder] --> <stop offset=\"100%\" stop-color=\"#2471c8\"\/><!-- [et_pb_line_break_holder] --> <\/linearGradient><!-- [et_pb_line_break_holder] --> <\/defs><!-- [et_pb_line_break_holder] --> <\/svg><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Header --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-header reveal\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-eyebrow\"><!-- [et_pb_line_break_holder] --> <svg width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M9 19v-6a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2a2 2 0 002-2zm0 0V9a2 2 0 012-2h2a2 2 0 012 2v10m-6 0a2 2 0 002 2h2a2 2 0 002-2m0 0V5a2 2 0 012-2h2a2 2 0 012 2v14a2 2 0 01-2 2h-2a2 2 0 01-2-2z\"\/><\/svg><!-- [et_pb_line_break_holder] --> <span data-en=\"Free financial check\" data-de=\"Kostenloser Finanz-Check\" data-fa=\"\u0628\u0631\u0631\u0633\u06cc \u0645\u0627\u0644\u06cc \u0631\u0627\u06cc\u06af\u0627\u0646\">Free financial check<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-title\" id=\"planTitle\" data-en='Your retirement <span class=\"ga\">in real numbers<\/span>‚ data-fa=’\u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0634\u0645\u0627 <span class=\"ga\">\u0628\u0627 \u0627\u0639\u062f\u0627\u062f \u0648\u0627\u0642\u0639\u06cc<\/span>‚ data-de=’Ihre Rente <span class=\"ga\">in echten Zahlen<\/span>‚>Your retirement <span class=\"ga\">in real numbers<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-subtitle\" id=\"planSubtitle\" data-en=\"Enter your details and see your retirement picture in real time. This is what Milad reviews with you in a free first call.\" data-fa=\"\u0627\u0637\u0644\u0627\u0639\u0627\u062a \u062e\u0648\u062f \u0631\u0627 \u0648\u0627\u0631\u062f \u06a9\u0646\u06cc\u062f \u0648 \u062a\u0635\u0648\u06cc\u0631 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc\u200c\u062a\u0627\u0646 \u0631\u0627 \u062f\u0631 \u0632\u0645\u0627\u0646 \u0648\u0627\u0642\u0639\u06cc \u0628\u0628\u06cc\u0646\u06cc\u062f.\" data-de=\"Geben Sie Ihre Daten ein und sehen Sie Ihr Rentenbild in Echtzeit. Genau das bespricht Milad mit Ihnen im kostenlosen Erstgespr\u00e4ch.\">Enter your details and see your retirement picture in real time. This is what Milad reviews with you in a free first call.<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Tabs --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-tabs reveal\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"ptab active\" data-panel=\"av\"><!-- [et_pb_line_break_holder] --> <svg fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"\/><\/svg><!-- [et_pb_line_break_holder] --> <span data-en=\"Retirement Planning\" data-fa=\"\u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0631\u06cc\u0632\u06cc \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc\" data-de=\"Altersvorsorge\">Retirement Planning<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"ptab\" data-panel=\"fin\"><!-- [et_pb_line_break_holder] --> <svg fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M3 12l2-2m0 0l7-7 7 7M5 10v10a1 1 0 001 1h3m10-11l2 2m-2-2v10a1 1 0 01-1 1h-3m-6 0a1 1 0 001-1v-4a1 1 0 011-1h2a1 1 0 011 1v4a1 1 0 001 1m-6 0h6\"\/><\/svg><!-- [et_pb_line_break_holder] --> <span data-en=\"Financing\" data-fa=\"\u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc\" data-de=\"Finanzierung\">Financing<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- \u2500\u2500 AV PANEL \u2500\u2500 --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"ptab-panel active\" id=\"panel-av\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Left: inputs. compact premium --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-inputs-col\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-inputs-title\"><!-- [et_pb_line_break_holder] --> <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"12\" cy=\"8\" r=\"4\"\/><path d=\"M6 20v-2a6 6 0 0 1 12 0v2\"\/><\/svg><!-- [et_pb_line_break_holder] --> <span data-en=\"About you\" data-de=\"\u00dcber Sie\" data-fa=\"\u062f\u0631\u0628\u0627\u0631\u0647 \u0634\u0645\u0627\">About you<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-inputs\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Section: Profile --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"padding:10px 14px 4px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#b0c8da\" data-en=\"Your profile\" data-de=\"Ihr Profil\" data-fa=\"\u067e\u0631\u0648\u0641\u0627\u06cc\u0644 \u0634\u0645\u0627\">Your profile<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Age --><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-row\"><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-label\" data-en=\"Your age\" data-de=\"Ihr Alter\" data-fa=\"\u0633\u0646 \u0634\u0645\u0627\">Your age<\/span><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-val\" id=\"avAgeLabel\">35 yrs<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-slider-wrap\"><!-- [et_pb_line_break_holder] --> <input type=\"range\" class=\"plan-slider\" id=\"avAge\" min=\"22\" max=\"58\" step=\"1\" value=\"35\"><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Income --><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-row\"><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-label\" data-en=\"Monthly salary\" data-de=\"Monatsgehalt\" data-fa=\"\u062d\u0642\u0648\u0642 \u0645\u0627\u0647\u0627\u0646\u0647\">Monthly salary<\/span><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-val\" id=\"avSalLabel\">\u20ac5,400<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-slider-wrap\"><!-- [et_pb_line_break_holder] --> <input type=\"range\" class=\"plan-slider\" id=\"avSal\" min=\"2000\" max=\"15000\" step=\"100\" value=\"5400\"><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Years in Germany --><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-row\"><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-label\" data-en=\"Worked in Germany\" data-de=\"Jahre in Deutschland gearbeitet\" data-fa=\"\u0633\u0627\u0644\u200c\u0647\u0627\u06cc \u06a9\u0627\u0631 \u062f\u0631 \u0622\u0644\u0645\u0627\u0646\">Worked in Germany<\/span><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-val\" id=\"avYearsLabel\">5 yrs<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-slider-wrap\"><!-- [et_pb_line_break_holder] --> <input type=\"range\" class=\"plan-slider\" id=\"avYearsWorked\" min=\"1\" max=\"30\" step=\"1\" value=\"5\"><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Section: Pension --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"padding:10px 14px 4px;margin-top:6px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#b0c8da\" data-en=\"Your pension\" data-de=\"Ihre Rente\" data-fa=\"\u0645\u0633\u062a\u0645\u0631\u06cc \u0634\u0645\u0627\">Your pension<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Retirement age --><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-row\"><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-label\" data-en=\"I want to retire at\" data-de=\"Ich m\u00f6chte in Rente gehen mit\" data-fa=\"\u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u0645 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u0647 \u0634\u0648\u0645 \u062f\u0631 \u0633\u0646\">I want to retire at<\/span><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-val\" id=\"avRetAgeLabel\">67 yrs<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-slider-wrap\"><!-- [et_pb_line_break_holder] --> <input type=\"range\" class=\"plan-slider\" id=\"avRetAge\" min=\"50\" max=\"70\" step=\"1\" value=\"67\"><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Divider --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;align-items:center;gap:8px;padding:4px 14px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"flex:1;height:1px;background:linear-gradient(90deg,rgba(36,113,200,.15),rgba(36,113,200,.04))\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:8px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#a0bcd0;flex-shrink:0\" data-en=\"Target\" data-de=\"Ziel\" data-fa=\"\u0647\u062f\u0641\">Target<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"flex:1;height:1px;background:linear-gradient(270deg,rgba(36,113,200,.15),rgba(36,113,200,.04))\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Goal --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"background:linear-gradient(135deg,rgba(36,113,200,.05),rgba(36,113,200,.02));border-radius:10px;border:1px solid rgba(36,113,200,.13)\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-row\"><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-label\" style=\"color:#2471c8\" data-en=\"Retirement goal\" data-de=\"Rentenziel\" data-fa=\"\u0647\u062f\u0641 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc\">Retirement goal<\/span><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-val\" style=\"color:#1a56a0\" id=\"avGoalLabel\">\u20ac3,000<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-slider-wrap\"><!-- [et_pb_line_break_holder] --> <input type=\"range\" class=\"plan-slider\" id=\"avGoal\" min=\"1000\" max=\"8000\" step=\"100\" value=\"3000\"><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Right: bar chart + stats --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-results-col\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Bar chart card --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-wrap\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-header\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-title\" data-en=\"Your retirement picture\" data-de=\"Ihr Rentenbild\" data-fa=\"\u062a\u0635\u0648\u06cc\u0631 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0634\u0645\u0627\">Your retirement picture<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-legend\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-leg-item\">\n<div class=\"plan-chart-leg-dot\" style=\"background:#1a56a0\"><\/div data-en=\"State pension\" data-de=\"Gesetzliche Rente\" data-fa=\"\u0645\u0633\u062a\u0645\u0631\u06cc \u062f\u0648\u0644\u062a\u06cc\">State pension<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-leg-item\">\n<div class=\"plan-chart-leg-dot\" style=\"background:#e05252\"><\/div data-en=\"Gap\" data-de=\"L\u00fccke\" data-fa=\"\u0634\u06a9\u0627\u0641\" >Gap<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Bar chart --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;align-items:flex-end;gap:14px;height:260px;position:relative;padding:0 4px\" id=\"avChartArea\"><!-- [et_pb_line_break_holder] --> <!-- Grid lines --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"position:absolute;inset:0;pointer-events:none;z-index:0\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"position:absolute;top:0;left:0;right:0;border-top:1px solid rgba(36,113,200,.07)\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"position:absolute;top:33%;left:0;right:0;border-top:1px dashed rgba(36,113,200,.06)\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"position:absolute;top:66%;left:0;right:0;border-top:1px dashed rgba(36,113,200,.06)\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Tooltip --><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avTooltip\" style=\"position:absolute;z-index:20;background:rgba(8,18,36,.97);backdrop-filter:blur(16px);border:1px solid rgba(82,152,224,.2);border-radius:12px;padding:14px 16px;min-width:190px;box-shadow:0 8px 32px rgba(0,0,0,.3);pointer-events:none;opacity:0;transition:opacity .18s ease;top:0;left:50%;transform:translateX(-50%)\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avTTTitle\" style=\"font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#8aaabf;margin-bottom:10px\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avTTRows\" style=\"display:flex;flex-direction:column;gap:6px\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Bar 1: Your goal today --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"flex:1;display:flex;flex-direction:column;justify-content:flex-end;height:260px;gap:6px;z-index:1;cursor:pointer\"<!-- [et_pb_line_break_holder] --> onmouseenter=“showAvTip(1)“ onmouseleave=“hideAvTip()“><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avBar1\" style=\"width:100%;height:0;background:linear-gradient(180deg,#c8dff5,#a8c8e8);border-radius:10px 10px 0 0;transition:height 1.1s cubic-bezier(.16,1,.3,1),filter .2s;display:flex;flex-direction:column;align-items:center;justify-content:center;overflow:hidden;box-shadow:0 4px 12px rgba(36,113,200,.12)\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avBar1Txt\" style=\"color:#1a3a60;font-family:'Bricolage Grotesque',sans-serif;font-size:13px;font-weight:800;text-align:center;white-space:nowrap;padding:2px 6px;line-height:1.2\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"color:#2a5080;font-size:9px;font-weight:600;text-align:center;letter-spacing:.04em;text-transform:uppercase\" data-en=\"Your goal\" data-de=\"Ihr Ziel\" data-fa=\"\u0647\u062f\u0641 \u0634\u0645\u0627\">Your goal<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;color:#8aaabf;text-align:center;line-height:1.3;font-weight:500\" data-en=\"Today\" data-de=\"Heute\" data-fa=\"\u0627\u0645\u0631\u0648\u0632\">Today<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Bar 2: Goal + inflation --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"flex:1;display:flex;flex-direction:column;justify-content:flex-end;height:260px;gap:6px;z-index:1;cursor:pointer\"<!-- [et_pb_line_break_holder] --> onmouseenter=“showAvTip(2)“ onmouseleave=“hideAvTip()“><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avBar2\" style=\"width:100%;height:0;background:linear-gradient(180deg,#5298e0,#2471c8);border-radius:10px 10px 0 0;transition:height 1.15s .06s cubic-bezier(.16,1,.3,1),filter .2s;display:flex;flex-direction:column;align-items:center;justify-content:center;overflow:hidden;box-shadow:0 4px 12px rgba(36,113,200,.25)\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avBar2Txt\" style=\"color:#fff;font-family:'Bricolage Grotesque',sans-serif;font-size:13px;font-weight:800;text-align:center;white-space:nowrap;padding:2px 6px;line-height:1.2\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"color:rgba(255,255,255,.85);font-size:9px;font-weight:600;text-align:center;letter-spacing:.04em;text-transform:uppercase\" id=\"avBar2SubLabel\">At 67<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;color:#8aaabf;text-align:center;line-height:1.3;font-weight:500\" data-en=\"Inflation adjusted\" data-de=\"Inflationsbereinigt\" data-fa=\"\u062a\u0639\u062f\u06cc\u0644\u200c\u0634\u062f\u0647 \u0628\u0627 \u062a\u0648\u0631\u0645\">Inflation adjusted<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Bar 3: Stacked. pension (dark blue) + gap (red) --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"flex:1;display:flex;flex-direction:column;justify-content:flex-end;height:260px;gap:6px;z-index:1;cursor:pointer\"<!-- [et_pb_line_break_holder] --> onmouseenter=“showAvTip(3)“ onmouseleave=“hideAvTip()“><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avBar3Outer\" style=\"width:100%;position:relative;height:0;border-radius:10px 10px 0 0;overflow:hidden;transition:height 1.1s .06s cubic-bezier(.16,1,.3,1)\"><!-- [et_pb_line_break_holder] --> <!-- Gap (red, top) --><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avBar3Gap\" style=\"position:absolute;left:0;right:0;bottom:0;height:0;background:linear-gradient(180deg,#e05252,#c93c3c);transition:height 1.2s .1s cubic-bezier(.16,1,.3,1),bottom 1.15s .06s cubic-bezier(.16,1,.3,1);display:flex;flex-direction:column;align-items:center;justify-content:center;overflow:hidden;box-shadow:0 2px 8px rgba(224,82,82,.25)\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avBar3GapTxt\" style=\"color:#fff;font-family:'Bricolage Grotesque',sans-serif;font-size:13px;font-weight:800;text-align:center;white-space:nowrap;padding:2px 4px;line-height:1.2\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"color:rgba(255,255,255,.8);font-size:9px;font-weight:600;text-align:center;text-transform:uppercase;letter-spacing:.04em\" data-en=\"Gap\" data-de=\"L\u00fccke\" data-fa=\"\u0634\u06a9\u0627\u0641\">Gap<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- Pension (dark blue, bottom) --><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avBar3Pension\" style=\"position:absolute;left:0;right:0;bottom:0;height:0;background:linear-gradient(180deg,#1a56a0,#0f3870);transition:height 1.15s .06s cubic-bezier(.16,1,.3,1);display:flex;flex-direction:column;align-items:center;justify-content:center;overflow:hidden;z-index:1;box-shadow:0 2px 8px rgba(26,86,160,.3)\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avBar3PensionTxt\" style=\"color:#fff;font-family:'Bricolage Grotesque',sans-serif;font-size:13px;font-weight:800;text-align:center;white-space:nowrap;padding:2px 4px;line-height:1.2\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"color:rgba(255,255,255,.8);font-size:9px;font-weight:600;text-align:center;text-transform:uppercase;letter-spacing:.04em\" data-en=\"State pension\" data-de=\"Gesetzliche Rente\" data-fa=\"\u0645\u0633\u062a\u0645\u0631\u06cc \u062f\u0648\u0644\u062a\u06cc\">State pension<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;color:#8aaabf;text-align:center;line-height:1.3;font-weight:500\" data-en=\"Pension vs. need\" data-de=\"Rente vs. Bedarf\" data-fa=\"\u0645\u0633\u062a\u0645\u0631\u06cc \u062f\u0631 \u0628\u0631\u0627\u0628\u0631 \u0646\u06cc\u0627\u0632\">Pension vs. need<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- State pension summary row --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;align-items:center;justify-content:space-between;padding:14px 0 0;border-top:1px solid rgba(36,113,200,.08);margin-top:16px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:12px;color:#4a6080;font-weight:500\" data-en=\"Your state pension estimate\" data-de=\"Ihre gesetzliche Rentenprognose\" data-fa=\"\u062a\u062e\u0645\u06cc\u0646 \u0645\u0633\u062a\u0645\u0631\u06cc \u062f\u0648\u0644\u062a\u06cc \u0634\u0645\u0627\">Your state pension estimate<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avGesamtrente\" style=\"display:inline-flex;align-items:center;background:rgba(36,113,200,.08);border:1.5px solid rgba(36,113,200,.25);border-radius:8px;padding:4px 14px;font-family:'Bricolage Grotesque',sans-serif;font-size:15px;font-weight:800;color:#1a56a0\">\u20ac1,766<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Shortfall + subsidy cards --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;flex-direction:column;gap:12px\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- What you get back --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"background:#fff;border:1px solid rgba(36,113,200,.12);border-radius:16px;padding:20px 22px;box-shadow:0 4px 16px rgba(36,113,200,.07)\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;align-items:baseline;justify-content:space-between;margin-bottom:14px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#7090b0\" data-en=\"State support for you\" data-de=\"Staatliche F\u00f6rderung f\u00fcr Sie\" data-fa=\"\u062d\u0645\u0627\u06cc\u062a \u062f\u0648\u0644\u062a\u06cc \u0628\u0631\u0627\u06cc \u0634\u0645\u0627\">State support for you<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;align-items:center;gap:6px\"><!-- [et_pb_line_break_holder] --> <span style=\"font-size:10px;color:#8aaabf\" data-en=\"Shortfall\" data-de=\"L\u00fccke\" data-fa=\"\u06a9\u0633\u0631\u06cc\" >Shortfall<\/span><!-- [et_pb_line_break_holder] --> <span id=\"avGap\" style=\"font-family:'Bricolage Grotesque',sans-serif;font-size:16px;font-weight:800;color:#e05252\">\u20ac3,668<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;min-width:0\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;color:#8aaabf;font-weight:600;text-transform:uppercase;letter-spacing:.06em;margin-bottom:5px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis\" data-en=\"Tax relief \/ yr\" data-de=\"Steuerersparnis \/ Jahr\" data-fa=\"\u062a\u062e\u0641\u06cc\u0641 \u0645\u0627\u0644\u06cc\u0627\u062a\u06cc \/ \u0633\u0627\u0644\">Tax relief \/ yr<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avTaxSave\" style=\"font-family:'Bricolage Grotesque',sans-serif;font-size:20px;font-weight:800;color:#1a56a0;line-height:1\">\u20ac1,728<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;color:#a0b8cc;margin-top:3px\" id=\"avTaxNote\" style=\"font-size:9px;color:#a0b8cc;margin-top:3px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis\" data-en=\"via 3rd pillar\" data-de=\"\u00fcber die 3. S\u00e4ule\" data-fa=\"\u0627\u0632 \u0637\u0631\u06cc\u0642 \u0633\u062a\u0648\u0646 \u0633\u0648\u0645\">via 3rd pillar<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"border-left:1px solid rgba(36,113,200,.1);padding-left:12px;min-width:0\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;color:#8aaabf;font-weight:600;text-transform:uppercase;letter-spacing:.06em;margin-bottom:5px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis\" data-en=\"Your cost \/ mo\" data-de=\"Ihr Beitrag \/ Monat\" data-fa=\"\u0647\u0632\u06cc\u0646\u0647 \u0634\u0645\u0627 \/ \u0645\u0627\u0647\">Your cost \/ mo<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avNetCost\" style=\"font-family:'Bricolage Grotesque',sans-serif;font-size:20px;font-weight:800;color:#1a56a0;line-height:1\">\u20ac696<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;color:#a0b8cc;margin-top:3px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis\" data-en=\"net after subsidy\" data-de=\"netto nach F\u00f6rderung\" data-fa=\"\u062e\u0627\u0644\u0635 \u067e\u0633 \u0627\u0632 \u06cc\u0627\u0631\u0627\u0646\u0647\">net after subsidy<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"border-left:1px solid rgba(36,113,200,.1);padding-left:12px;min-width:0\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;color:#8aaabf;font-weight:600;text-transform:uppercase;letter-spacing:.06em;margin-bottom:5px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis\" data-en=\"Savings target\" data-de=\"Sparziel\" data-fa=\"\u0647\u062f\u0641 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632\">Savings target<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"avCapital\" style=\"font-family:'Bricolage Grotesque',sans-serif;font-size:20px;font-weight:800;color:#1a56a0;line-height:1\">\u20ac280k<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;color:#a0b8cc;margin-top:3px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis\" data-en=\"to close your gap\" data-de=\"um Ihre L\u00fccke zu schlie\u00dfen\" data-fa=\"\u0628\u0631\u0627\u06cc \u067e\u0631 \u06a9\u0631\u062f\u0646 \u0634\u06a9\u0627\u0641\" style=\"font-size:9px;color:#a0b8cc;margin-top:3px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis\">to close your gap<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- end grid --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- CTA full width below grid --><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/wa.me\/4917645833573\" id=\"avCta\"<!-- [et_pb_line_break_holder] --> style=“display:flex;align-items:center;justify-content:center;gap:11px;width:100%;padding:17px 24px;background:linear-gradient(135deg,#1a56a0 0%,#2471c8 50%,#1a56a0 100%);background-size:200% 100%;border-radius:14px;color:#fff;text-decoration:none;font-family:’Bricolage Grotesque‘,sans-serif;font-size:16px;font-weight:700;letter-spacing:.01em;transition:box-shadow .25s,transform .2s;position:relative;overflow:hidden;animation:avBtnShift 4s ease infinite,avBtnPulse 2.4s ease-in-out infinite;margin-top:16px“<!-- [et_pb_line_break_holder] --> onmouseover=“this.style.transform=’translateY(-2px)‘;this.style.boxShadow=’0 12px 40px rgba(36,113,200,.55),0 4px 16px rgba(36,113,200,.35)'“<!-- [et_pb_line_break_holder] --> onmouseout=“this.style.transform=’translateY(0)‘;this.style.boxShadow=’0 6px 28px rgba(36,113,200,.45),0 2px 8px rgba(36,113,200,.3)'“><!-- [et_pb_line_break_holder] --> <span style=\"position:absolute;inset:0;background:linear-gradient(105deg,transparent 40%,rgba(255,255,255,.18) 50%,transparent 60%);animation:avBtnShimmer 3s ease infinite;pointer-events:none\"><\/span><!-- [et_pb_line_break_holder] --> <svg width=\"20\" height=\"20\" fill=\"currentColor\" viewBox=\"0 0 24 24\" style=\"flex-shrink:0\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347z\"\/><path d=\"M12 0C5.373 0 0 5.373 0 12c0 2.122.555 4.116 1.524 5.842L0 24l6.266-1.562A11.94 11.94 0 0012 24c6.627 0 12-5.373 12-12S18.627 0 12 0zm0 21.818a9.805 9.805 0 01-5.003-1.367l-.359-.213-3.721.928.99-3.618-.233-.37A9.818 9.818 0 012.182 12C2.182 6.578 6.578 2.182 12 2.182S21.818 6.578 21.818 12 17.422 21.818 12 21.818z\"\/><\/svg><!-- [et_pb_line_break_holder] --> <span style=\"position:relative\" data-en=\"Talk to Milad personally\" data-de=\"Pers\u00f6nlich mit Milad sprechen\" data-fa=\"\u0628\u0627 \u0645\u06cc\u0644\u0627\u062f \u0634\u062e\u0635\u0627\u064b \u0635\u062d\u0628\u062a \u06a9\u0646\">Talk to Milad personally<\/span><!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <\/p>\n<style><!-- [et_pb_line_break_holder] --> @keyframes avBtnShimmer{0%{background-position:-200% 0}100%{background-position:200% 0}}<!-- [et_pb_line_break_holder] --> @keyframes avBtnShift{0%,100%{background-position:0% 50%}50%{background-position:100% 50%}}<!-- [et_pb_line_break_holder] --> @keyframes avBtnPulse{0%,100%{box-shadow:0 6px 28px rgba(36,113,200,.45),0 2px 8px rgba(36,113,200,.3),0 0 0 0 rgba(36,113,200,.4)}60%{box-shadow:0 6px 28px rgba(36,113,200,.45),0 2px 8px rgba(36,113,200,.3),0 0 0 10px rgba(36,113,200,0)}}<!-- [et_pb_line_break_holder] --> <\/style>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-note\" style=\"text-align:center\" data-en=\"Indicative estimates based on official 2025 pension data. Exact numbers in your free call with Milad.\" data-de=\"Richtwerte auf Basis offizieller Rentendaten 2025. Genaue Zahlen im kostenlosen Gespr\u00e4ch mit Milad.\" data-fa=\"\u062a\u062e\u0645\u06cc\u0646\u200c\u0647\u0627\u06cc \u0631\u0627\u0647\u0646\u0645\u0627 \u0628\u0631 \u0627\u0633\u0627\u0633 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u0631\u0633\u0645\u06cc \u0645\u0633\u062a\u0645\u0631\u06cc \u06f2\u06f0\u06f2\u06f5. \u0627\u0639\u062f\u0627\u062f \u062f\u0642\u06cc\u0642 \u062f\u0631 \u0645\u0634\u0627\u0648\u0631\u0647 \u0631\u0627\u06cc\u06af\u0627\u0646 \u0628\u0627 \u0645\u06cc\u0644\u0627\u062f.\">Indicative estimates based on official 2025 pension data. Exact numbers in your free call with Milad.<\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- \u2500\u2500 FIN PANEL \u2500\u2500 --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"ptab-panel\" id=\"panel-fin\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Left: inputs. compact premium (matches AV panel) --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-inputs-col\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-inputs-title\"><!-- [et_pb_line_break_holder] --> <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M3 9l9-7 9 7v11a2 2 0 01-2 2H5a2 2 0 01-2-2z\"\/><path d=\"M9 22V12h6v10\"\/><\/svg><!-- [et_pb_line_break_holder] --> <span data-en=\"Your situation\" data-de=\"Ihre Situation\" data-fa=\"\u0648\u0636\u0639\u06cc\u062a \u0634\u0645\u0627\">Your situation<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-inputs\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Annual salary --><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-row\"><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-label\" data-en=\"Annual salary\" data-de=\"Jahresgehalt\" data-fa=\"\u062d\u0642\u0648\u0642 \u0633\u0627\u0644\u0627\u0646\u0647\">Annual salary<\/span><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-val\" id=\"finSalLabel\">\u20ac75,000<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-slider-wrap\"><!-- [et_pb_line_break_holder] --> <input type=\"range\" class=\"plan-slider\" id=\"finSal\" min=\"30000\" max=\"200000\" step=\"5000\" value=\"75000\"><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Available equity --><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-row\"><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-label\" data-en=\"Savings \/ equity\" data-de=\"Ersparnisse \/ Eigenkapital\" data-fa=\"\u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \/ \u0633\u0631\u0645\u0627\u06cc\u0647\">Savings \/ equity<\/span><!-- [et_pb_line_break_holder] --> <span class=\"plan-field-row-val\" id=\"finEqLabel\">\u20ac50,000<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-field-slider-wrap\"><!-- [et_pb_line_break_holder] --> <input type=\"range\" class=\"plan-slider\" id=\"finEq\" min=\"0\" max=\"200000\" step=\"5000\" value=\"50000\"><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Divider --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;align-items:center;gap:8px;padding:4px 14px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"flex:1;height:1px;background:linear-gradient(90deg,rgba(36,113,200,.15),rgba(36,113,200,.04))\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:8px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#a0bcd0;flex-shrink:0\" data-en=\"Your profile\" data-de=\"Ihr Profil\" data-fa=\"\u067e\u0631\u0648\u0641\u0627\u06cc\u0644 \u0634\u0645\u0627\">Your profile<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"flex:1;height:1px;background:linear-gradient(270deg,rgba(36,113,200,.15),rgba(36,113,200,.04))\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Employment type pills --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"padding:0 14px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#6a88a8;margin-bottom:8px\" data-en=\"Employment\" data-de=\"Besch\u00e4ftigung\" data-fa=\"\u0646\u0648\u0639 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\">Employment<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-pills\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-pill active\" data-finemp=\"employed\" data-en=\"Employed\" data-de=\"Angestellt\" data-fa=\"\u06a9\u0627\u0631\u0645\u0646\u062f\">Employed<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-pill\" data-finemp=\"civil\" data-en=\"Civil servant\" data-de=\"Beamter\" data-fa=\"\u06a9\u0627\u0631\u0645\u0646\u062f \u062f\u0648\u0644\u062a\">Civil servant<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-pill\" data-finemp=\"self\" data-en=\"Self-employed\" data-de=\"Selbstst\u00e4ndig\" data-fa=\"\u062e\u0648\u062f\u0627\u0634\u062a\u063a\u0627\u0644\">Self-employed<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Residence pills --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"padding:0 14px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#6a88a8;margin-bottom:8px\" data-en=\"Residence permit\" data-de=\"Aufenthaltstitel\" data-fa=\"\u0627\u062c\u0627\u0632\u0647 \u0627\u0642\u0627\u0645\u062a\">Residence permit<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-pills\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-pill active\" data-finloc=\"blue\" data-en=\"Blue Card \/ temp.\" data-de=\"Blue Card \/ befristet\" data-fa=\"\u0628\u0644\u0648 \u06a9\u0627\u0631\u062a \/ \u0645\u0648\u0642\u062a\">Blue Card \/ temp.<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-pill\" data-finloc=\"perm\" data-en=\"Permanent \/ EU\" data-de=\"Niederlassungserlaubnis \/ EU\" data-fa=\"\u062f\u0627\u0626\u0645\u06cc \/ \u0627\u062a\u062d\u0627\u062f\u06cc\u0647 \u0627\u0631\u0648\u067e\u0627\">Permanent \/ EU<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Right: new premium visual --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-results-col\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-wrap\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-header\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-title\" data-en=\"What you can buy\" data-de=\"Was Sie kaufen k\u00f6nnen\" data-fa=\"\u0622\u0646\u0686\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0628\u062e\u0631\u06cc\u062f\">What you can buy<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-legend\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-leg-item\">\n<div class=\"plan-chart-leg-dot\" style=\"background:#5298e0\"><\/div>\n<p><span data-en=\"Equity\" data-de=\"Eigenkapital\" data-fa=\"\u0633\u0631\u0645\u0627\u06cc\u0647\">Equity<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-chart-leg-item\">\n<div class=\"plan-chart-leg-dot\" style=\"background:#1a56a0\"><\/div>\n<p><span data-en=\"Mortgage\" data-de=\"Hypothek\" data-fa=\"\u0648\u0627\u0645 \u0645\u0633\u06a9\u0646\">Mortgage<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Animated column chart --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-house-cols\" id=\"finHouseCols\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Col 1: Equity --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-house-col\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"flex:1;display:flex;flex-direction:column;justify-content:flex-end;position:relative\"><!-- [et_pb_line_break_holder] --> <!-- floating label above bar --><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"finEqAboveLabel\" style=\"text-align:center;margin-bottom:4px;transition:opacity .3s\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-family:'Bricolage Grotesque',sans-serif;font-size:12px;font-weight:800;color:#5298e0\" id=\"finEqDispCol\">\u20ac50k<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"finColEq\" class=\"fin-house-block fin-block-equity\"<!-- [et_pb_line_break_holder] --> style=“height:0;transition:height 1s cubic-bezier(.16,1,.3,1)“><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-col-label\" data-en=\"Your funds\" data-de=\"Ihr Eigenkapital\" data-fa=\"\u0633\u0631\u0645\u0627\u06cc\u0647 \u0634\u0645\u0627\">Your funds<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Col 2: Mortgage --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-house-col\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"flex:1;display:flex;flex-direction:column;justify-content:flex-end;position:relative\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"text-align:center;margin-bottom:4px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-family:'Bricolage Grotesque',sans-serif;font-size:12px;font-weight:800;color:#2471c8\" id=\"finMaxCol\">\u20ac270k<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"finColLoan\" class=\"fin-house-block fin-block-loan\"<!-- [et_pb_line_break_holder] --> style=“height:0;transition:height 1.1s .07s cubic-bezier(.16,1,.3,1)“><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-col-label\" data-en=\"Max loan\" data-de=\"Max. Darlehen\" data-fa=\"\u062d\u062f\u0627\u06a9\u062b\u0631 \u0648\u0627\u0645\">Max loan<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Col 3: Total --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-house-col\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"flex:1;display:flex;flex-direction:column;justify-content:flex-end;position:relative\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"text-align:center;margin-bottom:4px\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-family:'Bricolage Grotesque',sans-serif;font-size:12px;font-weight:800;color:#1a56a0\" id=\"finBudgetCol\">\u20ac320k<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"finColTotal\" class=\"fin-house-block fin-block-total\"<!-- [et_pb_line_break_holder] --> style=“height:0;transition:height 1.2s .14s cubic-bezier(.16,1,.3,1);position:relative;overflow:hidden“><!-- [et_pb_line_break_holder] --> <span style=\"position:absolute;inset:0;background:linear-gradient(105deg,transparent 35%,rgba(255,255,255,.12) 50%,transparent 65%);animation:avBtnShimmer 2.5s ease infinite;pointer-events:none\"><\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-col-label\" style=\"color:#1a56a0;font-weight:700\" data-en=\"Property budget\" data-de=\"Immobilienbudget\" data-fa=\"\u0628\u0648\u062f\u062c\u0647 \u0645\u0644\u06a9\">Property budget<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Stat rows --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-stat-rows\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-stat-row\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-stat-row-lbl eq\" data-en=\"Your own funds\" data-de=\"Ihr Eigenkapital\" data-fa=\"\u0633\u0631\u0645\u0627\u06cc\u0647 \u0634\u0645\u0627\">Your own funds<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-stat-row-val\" id=\"finEqDisp\" style=\"color:#5298e0;font-family:'Bricolage Grotesque',sans-serif\">\u20ac50,000<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-stat-row\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-stat-row-lbl loan\" data-en=\"Max mortgage\" data-de=\"Maximale Hypothek\" data-fa=\"\u062d\u062f\u0627\u06a9\u062b\u0631 \u0648\u0627\u0645 \u0645\u0633\u06a9\u0646\">Max mortgage<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-stat-row-val\" id=\"finMax\" style=\"color:#1a56a0;font-family:'Bricolage Grotesque',sans-serif\">\u20ac275,000<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-stat-row\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-stat-row-lbl total\" data-en=\"Property budget\" data-de=\"Immobilienbudget\" data-fa=\"\u0628\u0648\u062f\u062c\u0647 \u0645\u0644\u06a9\">Property budget<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-stat-row-val\" id=\"finBudget\" style=\"background:linear-gradient(135deg,#1a56a0,#2471c8);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;font-size:22px;font-family:'Bricolage Grotesque',sans-serif\">\u20ac325,000<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Monthly payment card --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-payment-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-payment-icon\"><!-- [et_pb_line_break_holder] --> <svg width=\"20\" height=\"20\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"#fff\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M3 9l9-7 9 7v11a2 2 0 01-2 2H5a2 2 0 01-2-2z\"\/><path d=\"M9 22V12h6v10\"\/><\/svg><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-payment-body\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-payment-lbl\" data-en=\"Estimated monthly payment\" data-de=\"Gesch\u00e4tzte Monatsrate\" data-fa=\"\u067e\u0631\u062f\u0627\u062e\u062a \u0645\u0627\u0647\u0627\u0646\u0647 \u062a\u062e\u0645\u06cc\u0646\u06cc\">Estimated monthly payment<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-payment-val\" id=\"finRate\">\u20ac1,272<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"fin-payment-sub\" id=\"finTerm\" data-en=\"over 20 to 25 years \u00b7 3.8% rate\" data-de=\"\u00fcber 20 bis 25 Jahre \u00b7 3,8% Zinsen\" data-fa=\"\u062f\u0631 \u06f2\u06f0 \u062a\u0627 \u06f2\u06f5 \u0633\u0627\u0644 \u00b7 \u0646\u0631\u062e \u06f3.\u06f8\u066a\">over 20 to 25 years \u00b7 3.8% rate<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- CTA --><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/wa.me\/4917645833573\" id=\"finCta\"<!-- [et_pb_line_break_holder] --> style=“display:flex;align-items:center;justify-content:center;gap:11px;width:100%;padding:17px 24px;background:linear-gradient(135deg,#1a56a0 0%,#2471c8 50%,#1a56a0 100%);background-size:200% 100%;border-radius:14px;color:#fff;text-decoration:none;font-family:’Bricolage Grotesque‘,sans-serif;font-size:16px;font-weight:700;transition:box-shadow .25s,transform .2s;position:relative;overflow:hidden;animation:avBtnShift 4s ease infinite,avBtnPulse 2.4s ease-in-out infinite“<!-- [et_pb_line_break_holder] --> onmouseover=“this.style.transform=’translateY(-2px)‘;this.style.boxShadow=’0 12px 40px rgba(36,113,200,.55)'“<!-- [et_pb_line_break_holder] --> onmouseout=“this.style.transform=’translateY(0)‘;this.style.boxShadow=’0 6px 28px rgba(36,113,200,.4)'“><!-- [et_pb_line_break_holder] --> <span style=\"position:absolute;inset:0;background:linear-gradient(105deg,transparent 40%,rgba(255,255,255,.15) 50%,transparent 60%);animation:avBtnShimmer 3s ease infinite;pointer-events:none\"><\/span><!-- [et_pb_line_break_holder] --> <svg width=\"18\" height=\"18\" fill=\"currentColor\" viewBox=\"0 0 24 24\" style=\"flex-shrink:0\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347z\"\/><path d=\"M12 0C5.373 0 0 5.373 0 12c0 2.122.555 4.116 1.524 5.842L0 24l6.266-1.562A11.94 11.94 0 0012 24c6.627 0 12-5.373 12-12S18.627 0 12 0zm0 21.818a9.805 9.805 0 01-5.003-1.367l-.359-.213-3.721.928.99-3.618-.233-.37A9.818 9.818 0 012.182 12C2.182 6.578 6.578 2.182 12 2.182S21.818 6.578 21.818 12 17.422 21.818 12 21.818z\"\/><\/svg><!-- [et_pb_line_break_holder] --> <span data-en=\"Talk to Milad personally\" data-de=\"Pers\u00f6nlich mit Milad sprechen\" data-fa=\"\u0628\u0627 \u0645\u06cc\u0644\u0627\u062f \u0634\u062e\u0635\u0627\u064b \u0635\u062d\u0628\u062a \u06a9\u0646\">Talk to Milad personally<\/span><!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-note\" data-en=\"Indicative estimates only. Blue Card, self-employed and all permit types welcome. Exact offers with Milad.\" data-de=\"Nur Richtwerte. Blue Card, Selbstst\u00e4ndige und alle Aufenthaltstitel willkommen. Genaue Angebote mit Milad.\" data-fa=\"\u062a\u062e\u0645\u06cc\u0646\u200c\u0647\u0627\u06cc \u0631\u0627\u0647\u0646\u0645\u0627. \u0628\u0644\u0648 \u06a9\u0627\u0631\u062a\u060c \u062e\u0648\u062f\u0627\u0634\u062a\u063a\u0627\u0644 \u0648 \u0647\u0645\u0647 \u0627\u0646\u0648\u0627\u0639 \u0627\u062c\u0627\u0632\u0647 \u0627\u0642\u0627\u0645\u062a. \u067e\u06cc\u0634\u0646\u0647\u0627\u062f\u0627\u062a \u062f\u0642\u06cc\u0642 \u0628\u0627 \u0645\u06cc\u0644\u0627\u062f.\">Indicative estimates only. Blue Card, self-employed and all permit types welcome. Exact offers with Milad.<\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- ABOUT --><!-- [et_pb_line_break_holder] --><\/p>\n<section id=\"about\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-grid reveal\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Photo col with floating stats --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-photo-wrap\"><!-- [et_pb_line_break_holder] --> <img decoding=\"async\" class=\"about-photo\" src=\"https:\/\/milad-gholampour.de\/wp-content\/uploads\/2026\/03\/Design-ohne-Titel-8.png\" alt=\"Milad Gholampour\"><!-- [et_pb_line_break_holder] --> <!-- Floating stat 1. bottom left --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-stat\" style=\"bottom:32px;left:-24px;animation:floatA 5s ease-in-out infinite\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-stat-val\">200+<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-stat-lbl\" data-en=\"Expats advised\" data-de=\"Beratene Expats\" data-fa=\"\u0627\u06a9\u0633\u067e\u062a\u200c\u0647\u0627\u06cc \u0645\u0634\u0627\u0648\u0631\u0647 \u0634\u062f\u0647\">Expats advised<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- Floating stat 2. top right --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-stat\" style=\"top:48px;right:-28px;animation:floatB 6s ease-in-out infinite\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-stat-val\" style=\"font-size:18px\">EN \u00b7 \u0641\u0627<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-stat-lbl\" data-en=\"English & Persian\" data-de=\"Englisch & Persisch\" data-fa=\"\u0627\u0646\u06af\u0644\u06cc\u0633\u06cc \u0648 \u0641\u0627\u0631\u0633\u06cc\">English & Persian<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Body --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-body\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"stag\" data-en=\"About Milad\" data-de=\"\u00dcber Milad\" data-fa=\"\u062f\u0631\u0628\u0627\u0631\u0647 \u0645\u06cc\u0644\u0627\u062f\">About Milad<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<h2 class=\"sh2\"><!-- [et_pb_line_break_holder] --> <span data-en=\"I know exactly what you are going through\" data-de=\"Ich wei\u00df genau, was Sie durchmachen\" data-fa=\"\u062f\u0642\u06cc\u0642\u0627\u064b \u0645\u06cc\u200c\u062f\u0627\u0646\u0645 \u0686\u0647 \u0627\u062d\u0633\u0627\u0633\u06cc \u062f\u0627\u0631\u06cc\">I know exactly<br style=\"display:none\"> what you are going through<\/span><!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> <span class=\"ga\" data-en=\"because I have been there\" data-de=\"weil ich selbst dort war\" data-fa=\"\u0686\u0648\u0646 \u062e\u0648\u062f\u0645 \u0647\u0645 \u0622\u0646\u062c\u0627 \u0628\u0648\u062f\u0647\u200c\u0627\u0645\">because I have been there<span style=\"display:none\"><\/span><\/span><!-- [et_pb_line_break_holder] --> <\/h2>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <pee data-en=\"I moved to Germany from Iran and spent years confused by a system that was never built for people like us. Insurance documents nobody explained. Pension statements I could not interpret. Mortgage rejections with no real reason given. I figured it out the hard way, so you do not have to.\" data-de=\"Ich zog aus dem Iran nach Deutschland und war jahrelang verwirrt von einem System, das nie f\u00fcr Menschen wie uns gebaut wurde. Versicherungsdokumente, die niemand erkl\u00e4rte. Renteninformationen, die ich nicht verstand. Hypothekenantr\u00e4ge ohne klaren Ablehnungsgrund. Ich habe es auf die harte Tour gelernt. damit Sie es nicht m\u00fcssen.\" data-fa=\"\u0627\u0632 \u0627\u06cc\u0631\u0627\u0646 \u0628\u0647 \u0622\u0644\u0645\u0627\u0646 \u0622\u0645\u062f\u0645 \u0648 \u0633\u0627\u0644\u200c\u0647\u0627 \u0628\u0627 \u0633\u06cc\u0633\u062a\u0645\u06cc \u06af\u06cc\u062c \u0628\u0648\u062f\u0645 \u06a9\u0647 \u0647\u0631\u06af\u0632 \u0628\u0631\u0627\u06cc \u0627\u0641\u0631\u0627\u062f\u06cc \u0645\u062b\u0644 \u0645\u0627 \u0633\u0627\u062e\u062a\u0647 \u0646\u0634\u062f\u0647 \u0628\u0648\u062f. \u0627\u0633\u0646\u0627\u062f \u0628\u06cc\u0645\u0647\u200c\u0627\u06cc \u06a9\u0647 \u06a9\u0633\u06cc \u062a\u0648\u0636\u06cc\u062d \u0646\u0645\u06cc\u200c\u062f\u0627\u062f. \u0635\u0648\u0631\u062a\u200c\u062d\u0633\u0627\u0628\u200c\u0647\u0627\u06cc \u0645\u0633\u062a\u0645\u0631\u06cc \u06a9\u0647 \u0646\u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0633\u062a\u0645 \u062a\u0641\u0633\u06cc\u0631 \u06a9\u0646\u0645. \u0631\u062f \u0634\u062f\u0646 \u0627\u0632 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u0645\u0633\u06a9\u0646 \u0628\u062f\u0648\u0646 \u062f\u0644\u06cc\u0644 \u0648\u0627\u0642\u0639\u06cc. \u062e\u0648\u062f\u0645 \u0631\u0627\u0647\u0634 \u0631\u0627 \u067e\u06cc\u062f\u0627 \u06a9\u0631\u062f\u0645\u060c \u062a\u0627 \u0634\u0645\u0627 \u0645\u062c\u0628\u0648\u0631 \u0646\u0628\u0627\u0634\u06cc\u062f.\">I moved to Germany from Iran and spent years confused by a system that was never built for people like us. Insurance documents nobody explained. Pension statements I could not interpret. Mortgage rejections with no real reason given. I figured it out the hard way, so you do not have to.<\/pee><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Three-point list --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-points\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point reveal-delay-1\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-icon\"><!-- [et_pb_line_break_holder] --> <svg width=\"16\" height=\"16\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 6v6l4 2\"\/><\/svg><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-body\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-title\" data-en=\"Closing your pension gap\" data-de=\"Ihre Rentenl\u00fccke schlie\u00dfen\" data-fa=\"\u067e\u0631 \u06a9\u0631\u062f\u0646 \u0634\u06a9\u0627\u0641 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0634\u0645\u0627\">Closing your pension gap<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-desc\" data-en=\"I show you exactly what the German system will pay you at retirement, and exactly how much more you need. Then we close that gap with a private pension structure that also reduces what you pay in tax every year.\" data-de=\"Ich zeige Ihnen genau, was das deutsche System Ihnen im Ruhestand zahlt, und wie viel mehr Sie ben\u00f6tigen. Dann schlie\u00dfen wir diese L\u00fccke mit einer privaten Vorsorge, die gleichzeitig Ihre Steuerlast senkt.\" data-fa=\"\u062f\u0642\u06cc\u0642\u0627\u064b \u0646\u0634\u0627\u0646\u062a\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u0645 \u06a9\u0647 \u0633\u06cc\u0633\u062a\u0645 \u0622\u0644\u0645\u0627\u0646 \u062f\u0631 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0686\u0642\u062f\u0631 \u0628\u0647 \u0634\u0645\u0627 \u0645\u06cc\u200c\u067e\u0631\u062f\u0627\u0632\u062f. \u0633\u067e\u0633 \u0622\u0646 \u0634\u06a9\u0627\u0641 \u0631\u0627 \u0628\u0627 \u06cc\u06a9 \u0633\u0627\u062e\u062a\u0627\u0631 \u0645\u0633\u062a\u0645\u0631\u06cc \u062e\u0635\u0648\u0635\u06cc \u06a9\u0647 \u0647\u0645\u0632\u0645\u0627\u0646 \u0645\u0627\u0644\u06cc\u0627\u062a \u0634\u0645\u0627 \u0631\u0627 \u06a9\u0627\u0647\u0634 \u0645\u06cc\u200c\u062f\u0647\u062f \u067e\u0631 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u0645.\">I show you exactly what the German system will pay you at retirement, and exactly how much more you need. Then we close that gap with a private pension structure that also reduces what you pay in tax every year.<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point reveal-delay-2\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-icon\"><!-- [et_pb_line_break_holder] --> <svg width=\"16\" height=\"16\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M3 9l9-7 9 7v11a2 2 0 01-2 2H5a2 2 0 01-2-2z\"\/><path d=\"M9 22V12h6v10\"\/><\/svg><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-body\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-title\" data-en=\"Financing property with a residency permit\" data-de=\"Immobilienfinanzierung mit Aufenthaltstitel\" data-fa=\"\u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0645\u0644\u06a9 \u0628\u0627 \u0627\u062c\u0627\u0632\u0647 \u0627\u0642\u0627\u0645\u062a\">Financing property with a residency permit<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-desc\" data-en=\"Three banks said no to one of my clients before he called me. Six weeks later he had an apartment in Munich. I work with lenders who understand Blue Cards, limited permits and international profiles. because that is my specialty.\" data-de=\"Drei Banken lehnten einen meiner Klienten ab, bevor er mich anrief. Sechs Wochen sp\u00e4ter hatte er eine Wohnung in M\u00fcnchen. Ich arbeite mit Kreditgebern, die Blue Cards, befristete Aufenthaltstitel und internationale Profile verstehen. denn das ist meine Spezialit\u00e4t.\" data-fa=\"\u0633\u0647 \u0628\u0627\u0646\u06a9 \u0642\u0628\u0644 \u0627\u0632 \u0627\u06cc\u0646\u06a9\u0647 \u0628\u0627 \u0645\u0646 \u062a\u0645\u0627\u0633 \u0628\u06af\u06cc\u0631\u062f \u0628\u0647 \u06cc\u06a9\u06cc \u0627\u0632 \u0645\u0634\u062a\u0631\u06cc\u0627\u0646\u0645 \u0646\u0647 \u06af\u0641\u062a\u0646\u062f. \u0634\u0634 \u0647\u0641\u062a\u0647 \u0628\u0639\u062f \u0622\u067e\u0627\u0631\u062a\u0645\u0627\u0646\u06cc \u062f\u0631 \u0645\u0648\u0646\u06cc\u062e \u062f\u0627\u0634\u062a. \u0628\u0627 \u0648\u0627\u0645\u200c\u062f\u0647\u0646\u062f\u06af\u0627\u0646\u06cc \u06a9\u0627\u0631 \u0645\u06cc\u200c\u06a9\u0646\u0645 \u06a9\u0647 \u0628\u0644\u0648 \u06a9\u0627\u0631\u062a \u0648 \u067e\u0631\u0648\u0641\u0627\u06cc\u0644\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0631\u0627 \u062f\u0631\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f.\">Three banks said no to one of my clients before he called me. Six weeks later he had an apartment in Munich. I work with lenders who understand Blue Cards, limited permits and international profiles. because that is my specialty.<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point reveal-delay-3\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-icon\"><!-- [et_pb_line_break_holder] --> <svg width=\"16\" height=\"16\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M21 15a2 2 0 01-2 2H7l-4 4V5a2 2 0 012-2h14a2 2 0 012 2z\"\/><\/svg><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-body\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-title\" data-en=\"Advice in English or Persian, always\" data-de=\"Beratung auf Englisch oder Persisch, immer\" data-fa=\"\u0645\u0634\u0627\u0648\u0631\u0647 \u0628\u0647 \u0627\u0646\u06af\u0644\u06cc\u0633\u06cc \u06cc\u0627 \u0641\u0627\u0631\u0633\u06cc\u060c \u0647\u0645\u06cc\u0634\u0647\">Advice in English or Persian, always<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"about-point-desc\" data-en=\"I have sat in those consultations where you smile and nod but understand nothing. Every conversation with me is in English or Persian. You will always know exactly what I am recommending and exactly why.\" data-de=\"Ich kenne diese Beratungsgespr\u00e4che, in denen man nickt und l\u00e4chelt, aber nichts versteht. Jedes Gespr\u00e4ch mit mir findet auf Englisch oder Persisch statt. Sie werden immer genau wissen, was ich empfehle und warum.\" data-fa=\"\u0645\u0646 \u0647\u0645 \u062f\u0631 \u0622\u0646 \u062c\u0644\u0633\u0627\u062a \u0646\u0634\u0633\u062a\u0647\u200c\u0627\u0645 \u06a9\u0647 \u0644\u0628\u062e\u0646\u062f \u0645\u06cc\u200c\u0632\u0646\u06cc \u0627\u0645\u0627 \u0647\u06cc\u0686 \u0646\u0645\u06cc\u200c\u0641\u0647\u0645\u06cc. \u0647\u0631 \u0645\u06a9\u0627\u0644\u0645\u0647 \u0628\u0627 \u0645\u0646 \u0628\u0647 \u0627\u0646\u06af\u0644\u06cc\u0633\u06cc \u06cc\u0627 \u0641\u0627\u0631\u0633\u06cc \u0627\u0633\u062a. \u0647\u0645\u06cc\u0634\u0647 \u062f\u0642\u06cc\u0642\u0627\u064b \u0645\u06cc\u200c\u062f\u0627\u0646\u06cc\u062f \u0686\u0647 \u062a\u0648\u0635\u06cc\u0647 \u0645\u06cc\u200c\u06a9\u0646\u0645 \u0648 \u0686\u0631\u0627.\">I have sat in those consultations where you smile and nod but understand nothing. Every conversation with me is in English or Persian. You will always know exactly what I am recommending and exactly why.<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<style><!-- [et_pb_line_break_holder] --> @keyframes floatA{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}<!-- [et_pb_line_break_holder] --> @keyframes floatB{0%,100%{transform:translateY(-6px)}50%{transform:translateY(4px)}}<!-- [et_pb_line_break_holder] --> <\/style>\n<p><!-- [et_pb_line_break_holder] --><\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- REVIEWS --><!-- [et_pb_line_break_holder] --><\/p>\n<section id=\"reviews\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;align-items:flex-end;justify-content:space-between;margin-bottom:56px;flex-wrap:wrap;gap:20px;\" class=\"reveal\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"stag\" data-en=\"Client reviews\" data-de=\"Kundenbewertungen\" data-fa=\"\u0646\u0638\u0631\u0627\u062a \u0645\u0634\u062a\u0631\u06cc\u0627\u0646\">Client reviews<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<h2 class=\"sh2\" style=\"margin-bottom:0\"><!-- [et_pb_line_break_holder] --> <span data-en=\"In their own words\" data-fa=\"\u0628\u0647 \u0642\u0648\u0644 \u062e\u0648\u062f\u0634\u0627\u0646.\" data-de=\"So beschreiben sie es\">In their own words<\/span><!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> <span class=\"ga\" data-en=\"No edits, no summaries\" data-fa=\"\u0628\u062f\u0648\u0646 \u0648\u06cc\u0631\u0627\u06cc\u0634\u060c \u0628\u062f\u0648\u0646 \u062e\u0644\u0627\u0635\u0647.\" data-de=\"Unver\u00e4ndert, ungek\u00fcrzt\">No edits, no summaries<\/span><!-- [et_pb_line_break_holder] --> <\/h2>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-rating-pill\"><!-- [et_pb_line_break_holder] --> <svg width=\"58\" height=\"20\" viewBox=\"0 0 272 92\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M115.75 47.18c0 12.77-9.99 22.18-22.25 22.18s-22.25-9.41-22.25-22.18C71.25 34.32 81.24 25 93.5 25s22.25 9.32 22.25 22.18zm-9.74 0c0-7.98-5.79-13.44-12.51-13.44S80.99 39.2 80.99 47.18c0 7.9 5.79 13.44 12.51 13.44s12.51-5.55 12.51-13.44z\" fill=\"#EA4335\"\/><path d=\"M163.75 47.18c0 12.77-9.99 22.18-22.25 22.18s-22.25-9.41-22.25-22.18c0-12.85 9.99-22.18 22.25-22.18s22.25 9.32 22.25 22.18zm-9.74 0c0-7.98-5.79-13.44-12.51-13.44s-12.51 5.46-12.51 13.44c0 7.9 5.79 13.44 12.51 13.44s12.51-5.55 12.51-13.44z\" fill=\"#FBBC05\"\/><path d=\"M209.75 26.34v39.82c0 16.38-9.66 23.07-21.08 23.07-10.75 0-17.22-7.19-19.66-13.07l8.48-3.53c1.51 3.61 5.21 7.87 11.17 7.87 7.31 0 11.84-4.51 11.84-13v-3.19h-.34c-2.18 2.69-6.38 5.04-11.68 5.04-11.09 0-21.25-9.66-21.25-22.09 0-12.52 10.16-22.26 21.25-22.26 5.29 0 9.49 2.35 11.68 4.96h.34v-3.61h9.25zm-8.56 20.92c0-7.81-5.21-13.52-11.84-13.52-6.72 0-12.35 5.71-12.35 13.52 0 7.73 5.63 13.36 12.35 13.36 6.63 0 11.84-5.63 11.84-13.36z\" fill=\"#4285F4\"\/><path d=\"M225 3v65h-9.5V3h9.5z\" fill=\"#34A853\"\/><path d=\"M262.02 54.48l7.56 5.04c-2.44 3.61-8.32 9.83-18.48 9.83-12.6 0-22.01-9.74-22.01-22.18 0-13.19 9.49-22.18 20.92-22.18 11.51 0 17.14 9.16 18.98 14.11l1.01 2.52-29.65 12.28c2.27 4.45 5.8 6.72 10.75 6.72 4.96 0 8.4-2.44 10.92-6.14zm-23.27-7.98l19.82-8.23c-1.09-2.77-4.37-4.7-8.23-4.7-4.95 0-11.84 4.37-11.59 12.93z\" fill=\"#EA4335\"\/><path d=\"M35.29 41.41V32h31.77c.31 1.64.47 3.58.47 5.68 0 7.06-1.93 15.79-8.15 22.01-6.05 6.3-13.78 9.66-24.02 9.66C16.32 69.35.36 53.89.36 34.77.36 15.65 16.32.19 35.38.19c10.5 0 17.98 4.12 23.6 9.49l-6.64 6.64c-4.03-3.78-9.49-6.72-16.97-6.72-13.86 0-24.7 11.17-24.7 25.03 0 13.86 10.84 25.03 24.7 25.03 8.99 0 14.11-3.61 17.39-6.89 2.66-2.66 4.41-6.46 5.1-11.65l-22.57.29z\" fill=\"#4285F4\"\/><\/svg><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"width:1px;height:28px;background:rgba(255,255,255,.08)\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-stars-sm\" style=\"margin-bottom:4px\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:11px;color:var(--silver)\"><strong style=\"color:var(--white);font-size:13px;\">5.0<\/strong> \u00b7 verified<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:16px;\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-card rev-card-featured reveal\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-stars-lg\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"rev-text-lg\">„Seven years in Germany and I still had no idea what my pension would actually be. Milad pulled up my Rentenbescheid in our first call, went through every line in Persian, and showed me exactly the gap. I left with a real plan, not just a product being sold to me.“<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-author\"><!-- [et_pb_line_break_holder] --> <img decoding=\"async\" class=\"rev-ava-lg\" src=\"https:\/\/randomuser.me\/api\/portraits\/men\/76.jpg\" alt=\"\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div>\n<div class=\"rev-name-lg\">Arash M.<\/div>\n<div class=\"rev-origin-lg\">Engineer \u00b7 Frankfurt \u00b7 Iran<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <svg class=\"rev-glogo\" viewBox=\"0 0 24 24\"><path d=\"M22.56 12.25c0-.78-.07-1.53-.2-2.25H12v4.26h5.92c-.26 1.37-1.04 2.53-2.21 3.31v2.77h3.57c2.08-1.92 3.28-4.74 3.28-8.09z\" fill=\"#4285F4\"\/><path d=\"M12 23c2.97 0 5.46-.98 7.28-2.66l-3.57-2.77c-.98.66-2.23 1.06-3.71 1.06-2.86 0-5.29-1.93-6.16-4.53H2.18v2.84C3.99 20.53 7.7 23 12 23z\" fill=\"#34A853\"\/><path d=\"M5.84 14.09c-.22-.66-.35-1.36-.35-2.09s.13-1.43.35-2.09V7.07H2.18C1.43 8.55 1 10.22 1 12s.43 3.45 1.18 4.93l2.85-2.22.81-.62z\" fill=\"#FBBC05\"\/><path d=\"M12 5.38c1.62 0 3.06.56 4.21 1.64l3.15-3.15C17.45 2.09 14.97 1 12 1 7.7 1 3.99 3.47 2.18 7.07l3.66 2.84c.87-2.6 3.3-4.53 6.16-4.53z\" fill=\"#EA4335\"\/><\/svg><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-card reveal reveal-delay-1\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-top\">\n<div class=\"rev-stars-sm\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n<p><svg class=\"rev-glogo\" viewBox=\"0 0 24 24\"><path d=\"M22.56 12.25c0-.78-.07-1.53-.2-2.25H12v4.26h5.92c-.26 1.37-1.04 2.53-2.21 3.31v2.77h3.57c2.08-1.92 3.28-4.74 3.28-8.09z\" fill=\"#4285F4\"\/><path d=\"M12 23c2.97 0 5.46-.98 7.28-2.66l-3.57-2.77c-.98.66-2.23 1.06-3.71 1.06-2.86 0-5.29-1.93-6.16-4.53H2.18v2.84C3.99 20.53 7.7 23 12 23z\" fill=\"#34A853\"\/><path d=\"M5.84 14.09c-.22-.66-.35-1.36-.35-2.09s.13-1.43.35-2.09V7.07H2.18C1.43 8.55 1 10.22 1 12s.43 3.45 1.18 4.93l2.85-2.22.81-.62z\" fill=\"#FBBC05\"\/><path d=\"M12 5.38c1.62 0 3.06.56 4.21 1.64l3.15-3.15C17.45 2.09 14.97 1 12 1 7.7 1 3.99 3.47 2.18 7.07l3.66 2.84c.87-2.6 3.3-4.53 6.16-4.53z\" fill=\"#EA4335\"\/><\/svg><\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"rev-text-md\">„Four banks rejected us because of the Blue Card. One didn’t even call back. Milad found a lender that works with our profile and we signed for our apartment three months later.“<\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-author-sm\"><img decoding=\"async\" class=\"rev-ava-md\" src=\"https:\/\/randomuser.me\/api\/portraits\/men\/43.jpg\" alt=\"\"><\/p>\n<div>\n<div class=\"rev-name-md\">Sina R.<\/div>\n<div class=\"rev-origin-sm\">M\u00fcnchen \u00b7 Iran<\/div>\n<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-card reveal reveal-delay-2\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-top\">\n<div class=\"rev-stars-sm\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n<p><svg class=\"rev-glogo\" viewBox=\"0 0 24 24\"><path d=\"M22.56 12.25c0-.78-.07-1.53-.2-2.25H12v4.26h5.92c-.26 1.37-1.04 2.53-2.21 3.31v2.77h3.57c2.08-1.92 3.28-4.74 3.28-8.09z\" fill=\"#4285F4\"\/><path d=\"M12 23c2.97 0 5.46-.98 7.28-2.66l-3.57-2.77c-.98.66-2.23 1.06-3.71 1.06-2.86 0-5.29-1.93-6.16-4.53H2.18v2.84C3.99 20.53 7.7 23 12 23z\" fill=\"#34A853\"\/><path d=\"M5.84 14.09c-.22-.66-.35-1.36-.35-2.09s.13-1.43.35-2.09V7.07H2.18C1.43 8.55 1 10.22 1 12s.43 3.45 1.18 4.93l2.85-2.22.81-.62z\" fill=\"#FBBC05\"\/><path d=\"M12 5.38c1.62 0 3.06.56 4.21 1.64l3.15-3.15C17.45 2.09 14.97 1 12 1 7.7 1 3.99 3.47 2.18 7.07l3.66 2.84c.87-2.6 3.3-4.53 6.16-4.53z\" fill=\"#EA4335\"\/><\/svg><\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"rev-text-md\" dir=\"rtl\">„\u0646\u0645\u06cc\u200c\u062f\u0648\u0646\u0633\u062a\u0645 \u06a9\u0647 \u0645\u06cc\u200c\u0634\u0647 \u0647\u0645\u0632\u0645\u0627\u0646 \u0647\u0645 \u0648\u0627\u0645 \u0645\u0633\u06a9\u0646 \u06af\u0631\u0641\u062a \u0647\u0645 \u0628\u0631\u0646\u0627\u0645\u0647 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u062f\u0627\u0634\u062a. \u0645\u06cc\u0644\u0627\u062f \u0647\u0631 \u062f\u0648 \u0631\u0648 \u0628\u0627 \u0647\u0645 \u0633\u062a \u06a9\u0631\u062f. \u0627\u0644\u0627\u0646 \u062e\u06cc\u0627\u0644\u0645 \u0631\u0627\u062d\u062a\u0647.“<\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-author-sm\"><img decoding=\"async\" class=\"rev-ava-md\" src=\"https:\/\/randomuser.me\/api\/portraits\/women\/52.jpg\" alt=\"\"><\/p>\n<div>\n<div class=\"rev-name-md\">Nasrin F.<\/div>\n<div class=\"rev-origin-sm\">Hamburg \u00b7 Iran<\/div>\n<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-card reveal reveal-delay-3\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-top\">\n<div class=\"rev-stars-sm\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n<p><svg class=\"rev-glogo\" viewBox=\"0 0 24 24\"><path d=\"M22.56 12.25c0-.78-.07-1.53-.2-2.25H12v4.26h5.92c-.26 1.37-1.04 2.53-2.21 3.31v2.77h3.57c2.08-1.92 3.28-4.74 3.28-8.09z\" fill=\"#4285F4\"\/><path d=\"M12 23c2.97 0 5.46-.98 7.28-2.66l-3.57-2.77c-.98.66-2.23 1.06-3.71 1.06-2.86 0-5.29-1.93-6.16-4.53H2.18v2.84C3.99 20.53 7.7 23 12 23z\" fill=\"#34A853\"\/><path d=\"M5.84 14.09c-.22-.66-.35-1.36-.35-2.09s.13-1.43.35-2.09V7.07H2.18C1.43 8.55 1 10.22 1 12s.43 3.45 1.18 4.93l2.85-2.22.81-.62z\" fill=\"#FBBC05\"\/><path d=\"M12 5.38c1.62 0 3.06.56 4.21 1.64l3.15-3.15C17.45 2.09 14.97 1 12 1 7.7 1 3.99 3.47 2.18 7.07l3.66 2.84c.87-2.6 3.3-4.53 6.16-4.53z\" fill=\"#EA4335\"\/><\/svg><\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"rev-text-md\">„I thought paying into the Rentenversicherung was enough. Milad showed me I’d be getting around 40% of my current income. Set up a R\u00fcrup that also cuts my taxes. Wish someone had told me this three years ago.“<\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-author-sm\"><img decoding=\"async\" class=\"rev-ava-md\" src=\"https:\/\/randomuser.me\/api\/portraits\/women\/48.jpg\" alt=\"\"><\/p>\n<div>\n<div class=\"rev-name-md\">Divya K.<\/div>\n<div class=\"rev-origin-sm\">Berlin \u00b7 India<\/div>\n<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-card reveal reveal-delay-4\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-top\">\n<div class=\"rev-stars-sm\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n<p><svg class=\"rev-glogo\" viewBox=\"0 0 24 24\"><path d=\"M22.56 12.25c0-.78-.07-1.53-.2-2.25H12v4.26h5.92c-.26 1.37-1.04 2.53-2.21 3.31v2.77h3.57c2.08-1.92 3.28-4.74 3.28-8.09z\" fill=\"#4285F4\"\/><path d=\"M12 23c2.97 0 5.46-.98 7.28-2.66l-3.57-2.77c-.98.66-2.23 1.06-3.71 1.06-2.86 0-5.29-1.93-6.16-4.53H2.18v2.84C3.99 20.53 7.7 23 12 23z\" fill=\"#34A853\"\/><path d=\"M5.84 14.09c-.22-.66-.35-1.36-.35-2.09s.13-1.43.35-2.09V7.07H2.18C1.43 8.55 1 10.22 1 12s.43 3.45 1.18 4.93l2.85-2.22.81-.62z\" fill=\"#FBBC05\"\/><path d=\"M12 5.38c1.62 0 3.06.56 4.21 1.64l3.15-3.15C17.45 2.09 14.97 1 12 1 7.7 1 3.99 3.47 2.18 7.07l3.66 2.84c.87-2.6 3.3-4.53 6.16-4.53z\" fill=\"#EA4335\"\/><\/svg><\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"rev-text-md\" dir=\"rtl\">„\u0628\u0627 \u0645\u06cc\u0644\u0627\u062f \u06cc\u0647 \u062c\u0644\u0633\u0647 \u062f\u0627\u0634\u062a\u0645 \u0648 \u0647\u0645\u0647 \u0686\u06cc\u0632 \u062c\u0627 \u0627\u0641\u062a\u0627\u062f. \u0628\u0631\u0627\u06cc \u0627\u0648\u0644\u06cc\u0646 \u0628\u0627\u0631 \u06a9\u0633\u06cc \u0628\u0648\u062f \u06a9\u0647 \u0628\u0647 \u0641\u0627\u0631\u0633\u06cc \u062a\u0648\u0636\u06cc\u062d \u062f\u0627\u062f \u0646\u0647 \u0627\u06cc\u0646\u06a9\u0647 \u0641\u0642\u0637 \u06cc\u0647 \u0686\u06cc\u0632\u06cc \u0628\u0641\u0631\u0648\u0634\u0647.“<\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-author-sm\"><img decoding=\"async\" class=\"rev-ava-md\" src=\"https:\/\/randomuser.me\/api\/portraits\/women\/28.jpg\" alt=\"\"><\/p>\n<div>\n<div class=\"rev-name-md\">Shirin T.<\/div>\n<div class=\"rev-origin-sm\">Hamburg \u00b7 Iran<\/div>\n<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;\" class=\"reveal\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-card\">\n<div class=\"rev-stars-sm\" style=\"margin-bottom:10px\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n<pee class=\"rev-text-sm\">„Endlich jemand der es auf Englisch erkl\u00e4rt. Erster Berater der mir wirklich zugeh\u00f6rt hat.“<\/pee>\n<div class=\"rev-author-sm\"><img decoding=\"async\" class=\"rev-ava-sm\" src=\"https:\/\/randomuser.me\/api\/portraits\/men\/36.jpg\" alt=\"\"><\/p>\n<div>\n<div class=\"rev-name-sm\">Oliver H.<\/div>\n<div class=\"rev-origin-sm\">Stuttgart \u00b7 UK<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-card\">\n<div class=\"rev-stars-sm\" style=\"margin-bottom:10px\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n<pee class=\"rev-text-sm\">„Self-employed, Niederlassungserlaubnis. Didn’t think I could get a mortgage here. Milad made it happen.“<\/pee>\n<div class=\"rev-author-sm\"><img decoding=\"async\" class=\"rev-ava-sm\" src=\"https:\/\/randomuser.me\/api\/portraits\/men\/90.jpg\" alt=\"\"><\/p>\n<div>\n<div class=\"rev-name-sm\">Kaveh A.<\/div>\n<div class=\"rev-origin-sm\">D\u00fcsseldorf \u00b7 Iran<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-card\">\n<div class=\"rev-stars-sm\" style=\"margin-bottom:10px\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n<pee class=\"rev-text-sm\" dir=\"rtl\">„\u0645\u06cc\u0644\u0627\u062f \u0647\u0645\u0648\u0646 \u0634\u0628 \u062c\u0648\u0627\u0628 \u062f\u0627\u062f. \u0633\u0631\u06cc\u0639\u060c \u0648\u0627\u0636\u062d\u060c \u0628\u062f\u0648\u0646 \u067e\u06cc\u0686\u06cc\u062f\u06af\u06cc.“<\/pee>\n<div class=\"rev-author-sm\"><img decoding=\"async\" class=\"rev-ava-sm\" src=\"https:\/\/randomuser.me\/api\/portraits\/men\/68.jpg\" alt=\"\"><\/p>\n<div>\n<div class=\"rev-name-sm\">Amir H.<\/div>\n<div class=\"rev-origin-sm\">K\u00f6ln \u00b7 Iran<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"rev-card hide-on-mobile\">\n<div class=\"rev-stars-sm\" style=\"margin-bottom:10px\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87L18.18 21 12 17.77 5.82 21 7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n<pee class=\"rev-text-sm\">„My company offered bAV, had no idea if it was worth it. One call with Milad and it was obvious. Saving around \u20ac2,400 a year in tax now.“<\/pee>\n<div class=\"rev-author-sm\"><img decoding=\"async\" class=\"rev-ava-sm\" src=\"https:\/\/randomuser.me\/api\/portraits\/women\/67.jpg\" alt=\"\"><\/p>\n<div>\n<div class=\"rev-name-sm\">Priya S.<\/div>\n<div class=\"rev-origin-sm\">K\u00f6ln \u00b7 India<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- FOOTER --><!-- [et_pb_line_break_holder] --><\/p>\n<footer style=\"background:var(--ink2);border-top:1px solid rgba(255,255,255,.06);\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"padding:68px 5vw 48px;display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;align-items:start;\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Brand col --><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <a href=\"#hero\" style=\"display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--white);margin-bottom:20px;\"><!-- [et_pb_line_break_holder] --> <span style=\"font-family:'Bricolage Grotesque',sans-serif;font-weight:800;font-size:22px;background:linear-gradient(135deg,#a8d4ff,var(--blue2));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;letter-spacing:-.02em;line-height:1;flex-shrink:0;\">MG<\/span><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-weight:700;font-size:14px;\">Milad Gholampour<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:13px;color:var(--mist);line-height:1.8;max-width:280px;font-weight:300;\"<!-- [et_pb_line_break_holder] --> data-en=“Independent financial advisor for expats in Germany. English and Persian. No product commissions.“ data-de=“Unabh\u00e4ngiger Finanzberater f\u00fcr Expats in Deutschland. Englisch und Persisch. Keine Produktprovisionen.“<!-- [et_pb_line_break_holder] --> data-fa=“\u0645\u0634\u0627\u0648\u0631 \u0645\u0627\u0644\u06cc \u0645\u0633\u062a\u0642\u0644 \u0628\u0631\u0627\u06cc \u0627\u06a9\u0633\u067e\u062a\u200c\u0647\u0627 \u062f\u0631 \u0622\u0644\u0645\u0627\u0646. \u0627\u0646\u06af\u0644\u06cc\u0633\u06cc \u0648 \u0641\u0627\u0631\u0633\u06cc. \u0628\u062f\u0648\u0646 \u06a9\u0645\u06cc\u0633\u06cc\u0648\u0646 \u0645\u062d\u0635\u0648\u0644.“>Independent financial advisor for expats in Germany. English and Persian. No product commissions.<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Nav col --><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:#4a6080;margin-bottom:16px;\"<!-- [et_pb_line_break_holder] --> data-en=“Pages“ data-de=“Seiten“ data-fa=“\u0635\u0641\u062d\u0627\u062a“>Pages<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;flex-direction:column;gap:11px;\"><!-- [et_pb_line_break_holder] --> <a href=\"#problem\" style=\"color:var(--silver);text-decoration:none;font-size:13px;font-weight:300;transition:color .2s;\" onmouseover=\"this.style.color='var(--white)'\" onmouseout=\"this.style.color='var(--silver)'\"<!-- [et_pb_line_break_holder] --> data-en=“The Problem“ data-de=“Das Problem“ data-fa=“\u0645\u0634\u06a9\u0644“>The Problem<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#planner\" style=\"color:var(--silver);text-decoration:none;font-size:13px;font-weight:300;transition:color .2s;\" onmouseover=\"this.style.color='var(--white)'\" onmouseout=\"this.style.color='var(--silver)'\"<!-- [et_pb_line_break_holder] --> data-en=“Planner“ data-de=“Planer“ data-fa=“\u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0631\u06cc\u0632“>Planner<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#about\" style=\"color:var(--silver);text-decoration:none;font-size:13px;font-weight:300;transition:color .2s;\" onmouseover=\"this.style.color='var(--white)'\" onmouseout=\"this.style.color='var(--silver)'\"<!-- [et_pb_line_break_holder] --> data-en=“About“ data-de=“\u00dcber mich“ data-fa=“\u062f\u0631\u0628\u0627\u0631\u0647“>About<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#reviews\" style=\"color:var(--silver);text-decoration:none;font-size:13px;font-weight:300;transition:color .2s;\" onmouseover=\"this.style.color='var(--white)'\" onmouseout=\"this.style.color='var(--silver)'\"<!-- [et_pb_line_break_holder] --> data-en=“Reviews“ data-de=“Bewertungen“ data-fa=“\u0646\u0638\u0631\u0627\u062a“>Reviews<\/a><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Contact col --><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:9px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:#4a6080;margin-bottom:16px;\"<!-- [et_pb_line_break_holder] --> data-en=“Contact“ data-de=“Kontakt“ data-fa=“\u062a\u0645\u0627\u0633“>Contact<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;flex-direction:column;gap:14px;\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- WhatsApp button. clean --><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/wa.me\/4917645833573\" id=\"footerWaBtn\"<!-- [et_pb_line_break_holder] --> style=“display:inline-flex;align-items:center;justify-content:center;gap:9px;background:#25D366;border-radius:10px;padding:12px 18px;text-decoration:none;transition:opacity .2s,transform .2s;box-shadow:0 4px 16px rgba(37,211,102,.25)“<!-- [et_pb_line_break_holder] --> onmouseover=“this.style.opacity=‘.88′;this.style.transform=’translateY(-1px)'“<!-- [et_pb_line_break_holder] --> onmouseout=“this.style.opacity=’1′;this.style.transform=’translateY(0)'“><!-- [et_pb_line_break_holder] --> <svg width=\"16\" height=\"16\" fill=\"white\" viewBox=\"0 0 24 24\" style=\"flex-shrink:0;color:#fff\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347z\"\/><path d=\"M12 0C5.373 0 0 5.373 0 12c0 2.122.555 4.116 1.524 5.842L0 24l6.266-1.562A11.94 11.94 0 0012 24c6.627 0 12-5.373 12-12S18.627 0 12 0zm0 21.818a9.805 9.805 0 01-5.003-1.367l-.359-.213-3.721.928.99-3.618-.233-.37A9.818 9.818 0 012.182 12C2.182 6.578 6.578 2.182 12 2.182S21.818 6.578 21.818 12 17.422 21.818 12 21.818z\"\/><\/svg><!-- [et_pb_line_break_holder] --> <span style=\"font-size:13px;font-weight:600;color:#fff;\"<!-- [et_pb_line_break_holder] --> data-en=“WhatsApp“ data-de=“WhatsApp“ data-fa=“\u0648\u0627\u062a\u0633\u0627\u067e“>WhatsApp<\/span><!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:12px;color:#4a6080;line-height:1.7;\"<!-- [et_pb_line_break_holder] --> data-en=“Mon \u2013 Sat \u00b7 Reply within a few hours“ data-de=“Mo \u2013 Sa \u00b7 Antwort innerhalb weniger Stunden“<!-- [et_pb_line_break_holder] --> data-fa=“\u062f\u0648\u0634\u0646\u0628\u0647 \u062a\u0627 \u0634\u0646\u0628\u0647 \u00b7 \u067e\u0627\u0633\u062e \u062f\u0631 \u0686\u0646\u062f \u0633\u0627\u0639\u062a“ >Mon \u2013 Sat \u00b7 Reply within a few hours<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Bottom bar --><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"padding:16px 5vw;border-top:1px solid rgba(255,255,255,.04);display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size:11px;color:#3a5068;\"<!-- [et_pb_line_break_holder] --> data-en=“\u00a9 2026 Milad Gholampour“<!-- [et_pb_line_break_holder] --> data-fa=“\u00a9 \u06f2\u06f0\u06f2\u06f6 \u0645\u06cc\u0644\u0627\u062f \u063a\u0644\u0627\u0645\u067e\u0648\u0631“>\u00a9 2026 Milad Gholampour<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"display:flex;align-items:center;gap:20px;\"><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/omar-salem-beratung.de\/impressum\" style=\"color:#3a5068;text-decoration:none;font-size:11px;transition:color .2s;\" onmouseover=\"this.style.color='var(--silver)'\" onmouseout=\"this.style.color='#3a5068'\">Impressum<\/a><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/omar-salem-beratung.de\/datenschutz\/\" style=\"color:#3a5068;text-decoration:none;font-size:11px;transition:color .2s;\" onmouseover=\"this.style.color='var(--silver)'\" onmouseout=\"this.style.color='#3a5068'\">Datenschutz<\/a><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/omar-salem-beratung.de\/agb\/\" style=\"color:#3a5068;text-decoration:none;font-size:11px;transition:color .2s;\" onmouseover=\"this.style.color='var(--silver)'\" onmouseout=\"this.style.color='#3a5068'\">AGB<\/a><!-- [et_pb_line_break_holder] --> <button class=\"btt\" onclick=\"window.scrollTo({top:0,behavior:'smooth'})\" style=\"color:#3a5068\"><!-- [et_pb_line_break_holder] --> <svg width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 15l7-7 7 7\"\/><\/svg><!-- [et_pb_line_break_holder] --> <span data-en=\"Top\" data-fa=\"\u0628\u0627\u0644\u0627\">Top<\/span><!-- [et_pb_line_break_holder] --> <\/button><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/footer>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- COOKIE --><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->#mg-cookie-banner{position:fixed;bottom:0;left:0;right:0;z-index:99999;background:var(--ink2);border-top:1px solid rgba(36,113,200,.2);padding:20px 5vw;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;font-family:'DM Sans',sans-serif;box-shadow:0 -8px 40px rgba(0,0,0,.5);transform:translateY(0);transition:transform .4s ease}<!-- [et_pb_line_break_holder] -->#mg-cookie-banner.hidden{transform:translateY(110%)}<!-- [et_pb_line_break_holder] -->#mg-cookie-text{flex:1;min-width:240px}<!-- [et_pb_line_break_holder] -->#mg-cookie-text p{font-size:13px;color:var(--silver);line-height:1.6;margin:0}<!-- [et_pb_line_break_holder] -->#mg-cookie-text a{color:var(--blue3);text-decoration:none}<!-- [et_pb_line_break_holder] -->#mg-cookie-text strong{color:var(--white);font-size:14px;display:block;margin-bottom:6px}<!-- [et_pb_line_break_holder] -->.mg-cookie-btns{display:flex;gap:10px;flex-shrink:0;flex-wrap:wrap}<!-- [et_pb_line_break_holder] -->.mg-cookie-btn{padding:10px 20px;border-radius:100px;font-size:13px;font-weight:600;cursor:pointer;border:none;font-family:'DM Sans',sans-serif;transition:opacity .2s}<!-- [et_pb_line_break_holder] -->.mg-cookie-btn-accept{background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff}<!-- [et_pb_line_break_holder] -->.mg-cookie-btn-accept:hover{opacity:.9}<!-- [et_pb_line_break_holder] -->.mg-cookie-btn-decline{background:rgba(255,255,255,.06);color:var(--silver);border:1px solid rgba(255,255,255,.1)}<!-- [et_pb_line_break_holder] -->.mg-cookie-btn-decline:hover{background:rgba(255,255,255,.1);color:var(--white)}<!-- [et_pb_line_break_holder] -->@media(max-width:640px){#mg-cookie-banner{padding:20px;flex-direction:column;align-items:flex-start}.mg-cookie-btns{width:100%}.mg-cookie-btn{flex:1;text-align:center}}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Cookie reopener FAB *\/<!-- [et_pb_line_break_holder] -->#mg-cookie-fab{<!-- [et_pb_line_break_holder] --> position:fixed;bottom:24px;right:24px;z-index:99998;<!-- [et_pb_line_break_holder] --> width:48px;height:48px;border-radius:50%;<!-- [et_pb_line_break_holder] --> background:linear-gradient(135deg,var(--blue),var(--blue2));<!-- [et_pb_line_break_holder] --> border:none;<!-- [et_pb_line_break_holder] --> box-shadow:0 4px 20px rgba(36,113,200,.5),0 0 0 0 rgba(36,113,200,.3);<!-- [et_pb_line_break_holder] --> cursor:pointer;display:none;align-items:center;justify-content:center;<!-- [et_pb_line_break_holder] --> transition:transform .2s,box-shadow .2s;<!-- [et_pb_line_break_holder] --> animation:cookieFabPulse 3s ease-in-out infinite;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->#mg-cookie-fab:hover{transform:scale(1.1);box-shadow:0 8px 32px rgba(36,113,200,.65)}<!-- [et_pb_line_break_holder] -->@keyframes cookieFabPulse{<!-- [et_pb_line_break_holder] --> 0%,100%{box-shadow:0 4px 20px rgba(36,113,200,.5),0 0 0 0 rgba(36,113,200,0)}<!-- [et_pb_line_break_holder] --> 60%{box-shadow:0 4px 20px rgba(36,113,200,.5),0 0 0 10px rgba(36,113,200,0)}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div id=\"mg-cookie-banner\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"mg-cookie-text\"><!-- [et_pb_line_break_holder] --> <strong>Diese Website verwendet Cookies<\/strong><!-- [et_pb_line_break_holder] --> <pee>Wir nutzen technisch notwendige Cookies sowie Google Fonts. <a href=\"https:\/\/omar-salem-beratung.de\/datenschutz\/\">Datenschutzerkl\u00e4rung<\/a>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"mg-cookie-btns\"><!-- [et_pb_line_break_holder] --> <button class=\"mg-cookie-btn mg-cookie-btn-decline\" onclick=\"mgCookieDecline()\">Nur notwendige<\/button><!-- [et_pb_line_break_holder] --> <button class=\"mg-cookie-btn mg-cookie-btn-accept\" onclick=\"mgCookieAccept()\">Akzeptieren<\/button><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><button id=\"mg-cookie-fab\" onclick=\"mgCookieReopen()\" title=\"Cookie settings\" aria-label=\"Cookie settings\"><!-- [et_pb_line_break_holder] --> <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#fff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><!-- [et_pb_line_break_holder] --> <path d=\"M12 2C6.48 2 2 6.48 2 12s4.48 10 10 10 10-4.48 10-10S17.52 2 12 2z\"\/><!-- [et_pb_line_break_holder] --> <circle cx=\"8.5\" cy=\"10\" r=\"1.5\" fill=\"#fff\" stroke=\"none\"\/><!-- [et_pb_line_break_holder] --> <circle cx=\"14.5\" cy=\"7.5\" r=\"1\" fill=\"#fff\" stroke=\"none\"\/><!-- [et_pb_line_break_holder] --> <circle cx=\"15.5\" cy=\"13.5\" r=\"1.5\" fill=\"#fff\" stroke=\"none\"\/><!-- [et_pb_line_break_holder] --> <circle cx=\"9.5\" cy=\"14.5\" r=\"1\" fill=\"#fff\" stroke=\"none\"\/><!-- [et_pb_line_break_holder] --> <path d=\"M12 7v.01M17 10v.01\"\/><!-- [et_pb_line_break_holder] --> <\/svg><!-- [et_pb_line_break_holder] --><\/button><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->\/\/ TICKER<!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> var itemsEn = [\"Retirement Planning\", \"Property Financing\", \"Tax Optimisation\", \"bAV Company Pension\", \"Blue Card Mortgage\", \"ETF Investments\", \"R\u00fcrup-Rente\", \"English \u00b7 \u0641\u0627\u0631\u0633\u06cc \u00b7 Deutsch\", \"Independent Advisor\", \"IHK Certified\", \"Free Consultation\"];<!-- [et_pb_line_break_holder] --> var itemsFa = [\"\u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0631\u06cc\u0632\u06cc \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc\", \"\u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0645\u0633\u06a9\u0646\", \"\u0628\u0647\u06cc\u0646\u0647\u200c\u0633\u0627\u0632\u06cc \u0645\u0627\u0644\u06cc\u0627\u062a\", \"\u0645\u0633\u062a\u0645\u0631\u06cc \u0634\u0631\u06a9\u062a\u06cc bAV\", \"\u0648\u0627\u0645 \u0628\u0627 \u0628\u0644\u0648 \u06a9\u0627\u0631\u062a\", \"\u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc ETF\", \"\u0631\u0648\u0631\u0648\u067e-\u0631\u0646\u062a\u0647\", \"\u0627\u0646\u06af\u0644\u06cc\u0633\u06cc \u00b7 \u0641\u0627\u0631\u0633\u06cc \u00b7 \u0622\u0644\u0645\u0627\u0646\u06cc\", \"\u0645\u0634\u0627\u0648\u0631 \u0645\u0633\u062a\u0642\u0644\", \"\u0645\u062c\u0627\u0632 IHK\", \"\u0645\u0634\u0627\u0648\u0631\u0647 \u0631\u0627\u06cc\u06af\u0627\u0646\"];<!-- [et_pb_line_break_holder] --> var itemsDe = [\"Altersvorsorge\", \"Immobilienfinanzierung\", \"Steueroptimierung\", \"bAV Betriebsrente\", \"Blue Card Finanzierung\", \"ETF-Investitionen\", \"R\u00fcrup-Rente\", \"Englisch \u00b7 Persisch \u00b7 Deutsch\", \"Unabh\u00e4ngiger Berater\", \"IHK-zertifiziert\", \"Kostenlose Beratung\"];<!-- [et_pb_line_break_holder] --> var itemsIco = [\"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><path d=\\\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\\\"\/><\/svg>\", \"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><path d=\\\"M3 9l9-7 9 7v11a2 2 0 01-2 2H5a2 2 0 01-2-2z\\\"\/><path d=\\\"M9 22V12h6v10\\\"\/><\/svg>\", \"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><path d=\\\"M12 2L2 7l10 5 10-5-10-5z\\\"\/><path d=\\\"M2 17l10 5 10-5\\\"\/><path d=\\\"M2 12l10 5 10-5\\\"\/><\/svg>\", \"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><rect x=\\\"2\\\" y=\\\"7\\\" width=\\\"20\\\" height=\\\"14\\\" rx=\\\"2\\\"\/><path d=\\\"M16 21V5a2 2 0 00-2-2h-4a2 2 0 00-2 2v16\\\"\/><\/svg>\", \"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><circle cx=\\\"12\\\" cy=\\\"12\\\" r=\\\"10\\\"\/><path d=\\\"M2 12h20M12 2a15.3 15.3 0 010 20M12 2a15.3 15.3 0 000 20\\\"\/><\/svg>\", \"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><path d=\\\"M9 19v-6a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2a2 2 0 002-2zm0 0V9a2 2 0 012-2h2a2 2 0 012 2v10m-6 0a2 2 0 002 2h2a2 2 0 002-2m0 0V5a2 2 0 012-2h2a2 2 0 012 2v14a2 2 0 01-2 2h-2a2 2 0 01-2-2z\\\"\/><\/svg>\", \"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><path d=\\\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\\\"\/><\/svg>\", \"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><path d=\\\"M21 15a2 2 0 01-2 2H7l-4 4V5a2 2 0 012-2h14a2 2 0 012 2z\\\"\/><\/svg>\", \"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><circle cx=\\\"12\\\" cy=\\\"8\\\" r=\\\"4\\\"\/><path d=\\\"M6 20v-2a6 6 0 0112 0v2\\\"\/><\/svg>\", \"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><path d=\\\"M9 12l2 2 4-4M7.835 4.697a3.42 3.42 0 001.946-.806 3.42 3.42 0 014.438 0 3.42 3.42 0 001.946.806 3.42 3.42 0 013.138 3.138 3.42 3.42 0 00.806 1.946 3.42 3.42 0 010 4.438 3.42 3.42 0 00-.806 1.946 3.42 3.42 0 01-3.138 3.138 3.42 3.42 0 00-1.946.806 3.42 3.42 0 01-4.438 0 3.42 3.42 0 00-1.946-.806 3.42 3.42 0 01-3.138-3.138 3.42 3.42 0 00-.806-1.946 3.42 3.42 0 010-4.438 3.42 3.42 0 00.806-1.946 3.42 3.42 0 013.138-3.138z\\\"\/><\/svg>\", \"<svg width=\\\"13\\\" height=\\\"13\\\" fill=\\\"none\\\" viewBox=\\\"0 0 24 24\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\"><line x1=\\\"12\\\" y1=\\\"1\\\" x2=\\\"12\\\" y2=\\\"23\\\"\/><path d=\\\"M17 5H9.5a3.5 3.5 0 000 7h5a3.5 3.5 0 010 7H6\\\"\/><\/svg>\"];<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var t = document.getElementById('ticker');<!-- [et_pb_line_break_holder] --> if(!t) return;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function buildTicker(lang){<!-- [et_pb_line_break_holder] --> var labels = lang === 'fa' ? itemsFa : lang === 'de' ? itemsDe : itemsEn;<!-- [et_pb_line_break_holder] --> var doubled = labels.concat(labels);<!-- [et_pb_line_break_holder] --> var icoDbl = itemsIco.concat(itemsIco);<!-- [et_pb_line_break_holder] --> t.innerHTML = doubled.map(function(lbl, i){<!-- [et_pb_line_break_holder] --> var ico = icoDbl[i] || '';<!-- [et_pb_line_break_holder] --> return '<\/p>\n<div class=\"fitem\"><span class=\"fitem-ico\" style=\"color:var(--blue3);display:flex;align-items:center;flex-shrink:0\">' + ico + '<\/span><span>' + lbl + '<\/span><\/div>\n<p>';<!-- [et_pb_line_break_holder] --> }).join('');<!-- [et_pb_line_break_holder] --> t.style.animation = 'none';<!-- [et_pb_line_break_holder] --> t.offsetHeight;<!-- [et_pb_line_break_holder] --> t.style.animation = '';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> buildTicker('en');<!-- [et_pb_line_break_holder] --> window._rebuildTicker = buildTicker;<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/\/ ROTATING REVIEW<!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> var reviews=[<!-- [et_pb_line_break_holder] --> {quote:'\"Finally sorted. In Persian.\"',name:'Dariush K.',role:'Frankfurt \u00b7 Iran'},<!-- [et_pb_line_break_holder] --> {quote:'\"Got my mortgage on a Blue Card.\"',name:'Reza M.',role:'Munich \u00b7 Iran'},<!-- [et_pb_line_break_holder] --> {quote:'\"Honest retirement advice in English. No hard selling.\"',name:'Sarah L.',role:'Berlin \u00b7 UK'},<!-- [et_pb_line_break_holder] --> {quote:'\"bAV saves me \u20ac2,400\/year in tax.\"',name:'Priya S.',role:'Stuttgart \u00b7 India'}<!-- [et_pb_line_break_holder] --> ];<!-- [et_pb_line_break_holder] --> var la=document.getElementById('rLayerA'),lb=document.getElementById('rLayerB');<!-- [et_pb_line_break_holder] --> if(!la||!lb)return;<!-- [et_pb_line_break_holder] --> var idx=0;<!-- [et_pb_line_break_holder] --> function make(r){return'<\/p>\n<div class=\"fc-quote\">'+r.quote+'<\/div>\n<div class=\"fc-row\">\n<div>\n<div class=\"fc-name\">'+r.name+'<\/div>\n<div class=\"fc-role\">'+r.role+'<\/div>\n<\/div>\n<\/div>\n<p>';}<!-- [et_pb_line_break_holder] --> setInterval(function(){<!-- [et_pb_line_break_holder] --> idx=(idx+1)%reviews.length;<!-- [et_pb_line_break_holder] --> var next=la.style.opacity==='0'?la:lb;<!-- [et_pb_line_break_holder] --> var curr=la.style.opacity==='1'?la:lb;<!-- [et_pb_line_break_holder] --> next.innerHTML=make(reviews[idx]);<!-- [et_pb_line_break_holder] --> next.style.opacity='0';<!-- [et_pb_line_break_holder] --> setTimeout(function(){curr.style.opacity='0';next.style.opacity='1';},50);<!-- [et_pb_line_break_holder] --> },4000);<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/\/ PLANNER TABS<!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> var titles = {<!-- [et_pb_line_break_holder] --> av: { en: 'Your retirement <span class=\"ga\">in real numbers<\/span>',<!-- [et_pb_line_break_holder] --> fa: '\u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0634\u0645\u0627 <span class=\"ga\">\u0628\u0627 \u0627\u0639\u062f\u0627\u062f \u0648\u0627\u0642\u0639\u06cc<\/span>',<!-- [et_pb_line_break_holder] --> de: 'Ihre Rente <span class=\"ga\">in echten Zahlen<\/span>',<!-- [et_pb_line_break_holder] --> en_s: 'Enter your details and see your retirement picture in real time. This is what Milad reviews with you in a free first call.',<!-- [et_pb_line_break_holder] --> fa_s: '\u0627\u0637\u0644\u0627\u0639\u0627\u062a \u062e\u0648\u062f \u0631\u0627 \u0648\u0627\u0631\u062f \u06a9\u0646\u06cc\u062f \u0648 \u062a\u0635\u0648\u06cc\u0631 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc\u200c\u062a\u0627\u0646 \u0631\u0627 \u062f\u0631 \u0632\u0645\u0627\u0646 \u0648\u0627\u0642\u0639\u06cc \u0628\u0628\u06cc\u0646\u06cc\u062f.',<!-- [et_pb_line_break_holder] --> de_s: 'Geben Sie Ihre Daten ein und sehen Sie Ihr Rentenbild in Echtzeit. Genau das bespricht Milad mit Ihnen im kostenlosen Erstgespr\u00e4ch.' },<!-- [et_pb_line_break_holder] --> fin: { en: 'Your property budget <span class=\"ga\">in real numbers<\/span>',<!-- [et_pb_line_break_holder] --> fa: '\u0628\u0648\u062f\u062c\u0647 \u0645\u0644\u06a9 \u0634\u0645\u0627 <span class=\"ga\">\u0628\u0627 \u0627\u0639\u062f\u0627\u062f \u0648\u0627\u0642\u0639\u06cc<\/span>',<!-- [et_pb_line_break_holder] --> de: 'Ihr Immobilienbudget <span class=\"ga\">in echten Zahlen<\/span>',<!-- [et_pb_line_break_holder] --> en_s: 'See how much you can realistically borrow. Milad works with lenders who approve Blue Cards, self-employed and all permit types.',<!-- [et_pb_line_break_holder] --> fa_s: '\u0628\u0628\u06cc\u0646\u06cc\u062f \u0686\u0642\u062f\u0631 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0648\u0627\u0642\u0639\u200c\u0628\u06cc\u0646\u0627\u0646\u0647 \u0648\u0627\u0645 \u0628\u06af\u06cc\u0631\u06cc\u062f. \u0645\u06cc\u0644\u0627\u062f \u0628\u0627 \u0648\u0627\u0645\u200c\u062f\u0647\u0646\u062f\u06af\u0627\u0646\u06cc \u06a9\u0627\u0631 \u0645\u06cc\u200c\u06a9\u0646\u062f \u06a9\u0647 \u0628\u0644\u0648 \u06a9\u0627\u0631\u062a \u0648 \u062e\u0648\u062f\u0627\u0634\u062a\u063a\u0627\u0644 \u0631\u0627 \u0645\u06cc\u200c\u067e\u0630\u06cc\u0631\u0646\u062f.',<!-- [et_pb_line_break_holder] --> de_s: 'Sehen Sie, wie viel Sie realistisch finanzieren k\u00f6nnen. Milad arbeitet mit Kreditgebern, die Blue Cards und Selbstst\u00e4ndige akzeptieren.' }<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.ptab').forEach(function(t){<!-- [et_pb_line_break_holder] --> t.addEventListener('click',function(){<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.ptab').forEach(function(x){x.classList.remove('active')});<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.ptab-panel').forEach(function(x){x.classList.remove('active')});<!-- [et_pb_line_break_holder] --> t.classList.add('active');<!-- [et_pb_line_break_holder] --> var panel = t.getAttribute('data-panel');<!-- [et_pb_line_break_holder] --> var p = document.getElementById('panel-'+panel);<!-- [et_pb_line_break_holder] --> if(p) p.classList.add('active');<!-- [et_pb_line_break_holder] --> var l = typeof _currentLang !== 'undefined' ? _currentLang : 'en';<!-- [et_pb_line_break_holder] --> var ti = document.getElementById('planTitle');<!-- [et_pb_line_break_holder] --> var su = document.getElementById('planSubtitle');<!-- [et_pb_line_break_holder] --> if(ti && titles[panel]) ti.innerHTML = titles[panel][l] || titles[panel].en;<!-- [et_pb_line_break_holder] --> if(su && titles[panel]) su.textContent = titles[panel][l+'_s'] || titles[panel].en_s;<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/\/ \u2550\u2550\u2550 PLANNER. AV CALC WITH BAR CHART \u2550\u2550\u2550<!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> \/\/ German pension constants. CURRENT 2025 values (DRV)<!-- [et_pb_line_break_holder] --> var RENTENWERT = 40.79; \/\/ \u20ac\/Entgeltpunkt seit 1. Juli 2025 (war 2024: 37.60)<!-- [et_pb_line_break_holder] --> var DURCHSCHNITT = 50493; \/\/ Vorl\u00e4ufiges Durchschnittsentgelt 2025<!-- [et_pb_line_break_holder] --> var BBG_2025 = 96600; \/\/ Beitragsbemessungsgrenze 2025 (West+Ost einheitlich)<!-- [et_pb_line_break_holder] --> var INFLATION = 2.0; \/\/ % p.a.<!-- [et_pb_line_break_holder] --> var RENTENSTEIG = 3.5; \/\/ % p.a.. historischer Schnitt (2025: +3.74%)<!-- [et_pb_line_break_holder] --> var CHART_H = 248;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var s = {age:35, monthlyGross:5400, yearsWorked:5, retAge:67, goal:3000};<!-- [et_pb_line_break_holder] --> window._avData = {}; \/\/ global for tooltip<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ \u2500\u2500 Tooltip \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500<!-- [et_pb_line_break_holder] --> function row(label, val, color){<!-- [et_pb_line_break_holder] --> var sign = val < 0 ? '' : '';<!-- [et_pb_line_break_holder] --> var c = color || (val < 0 ? '#e05252' : '#e8f2ff');<!-- [et_pb_line_break_holder] --> return '<\/p>\n<div style=\"display:flex;justify-content:space-between;align-items:center;gap:24px\">'<!-- [et_pb_line_break_holder] --> +'<span style=\"font-size:11px;color:#8aaabf\">'+label+'<\/span>'<!-- [et_pb_line_break_holder] --> +'<span style=\"font-size:12px;font-weight:700;color:'+c+';font-family:\\'Bricolage Grotesque\\',sans-serif\">'+sign+(val<0?'':'')+'\\u20AC'+Math.abs(Math.round(val)).toLocaleString('de-DE')+'<\/span>'<!-- [et_pb_line_break_holder] --> +'<\/div>\n<p>';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> function divider(){<!-- [et_pb_line_break_holder] --> return '<\/p>\n<div style=\"height:1px;background:rgba(82,152,224,.15);margin:4px 0\"><\/div>\n<p>';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> window.showAvTip = function(bar){<!-- [et_pb_line_break_holder] --> var d = window._avData;<!-- [et_pb_line_break_holder] --> if(!d || !d.pensionAtRet) return;<!-- [et_pb_line_break_holder] --> var tt = document.getElementById('avTooltip');<!-- [et_pb_line_break_holder] --> var ttT = document.getElementById('avTTTitle');<!-- [et_pb_line_break_holder] --> var ttR = document.getElementById('avTTRows');<!-- [et_pb_line_break_holder] --> if(!tt) return;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var html = '', title = '';<!-- [et_pb_line_break_holder] --> if(bar === 1){<!-- [et_pb_line_break_holder] --> title = 'Your retirement goal';<!-- [et_pb_line_break_holder] --> var _l = typeof _currentLang!=='undefined'?_currentLang:'en';<!-- [et_pb_line_break_holder] --> html += row(_l==='fa'?'\u062f\u0631\u0622\u0645\u062f \u062e\u0627\u0644\u0635 \u0645\u0637\u0644\u0648\u0628':_l==='de'?'Gew\u00fcnschtes Nettoeinkommen':'Desired net income', d.goalToday);<!-- [et_pb_line_break_holder] --> html += row(_l==='fa'?'\u0628\u0627 \u0642\u062f\u0631\u062a \u062e\u0631\u06cc\u062f \u0627\u0645\u0631\u0648\u0632':_l==='de'?'Mit heutiger Kaufkraft':'At today\\'s purchasing power', d.goalToday);<!-- [et_pb_line_break_holder] --> html += divider();<!-- [et_pb_line_break_holder] --> html += row('How much you need to save\/mo', d.monthlySave, '#5298e0');<!-- [et_pb_line_break_holder] --> } else if(bar === 2){<!-- [et_pb_line_break_holder] --> title = 'Goal with inflation';<!-- [et_pb_line_break_holder] --> var yrs = d.yearsToRet;<!-- [et_pb_line_break_holder] --> html += row(_l==='fa'?'\u0647\u062f\u0641 \u0627\u0645\u0631\u0648\u0632':_l==='de'?'Ziel heute':'Goal today', d.goalToday);<!-- [et_pb_line_break_holder] --> html += row('Inflation rate', null, '#8aaabf');<!-- [et_pb_line_break_holder] --> var infl = document.createElement('div');<!-- [et_pb_line_break_holder] --> html += '<\/p>\n<div style=\"display:flex;justify-content:space-between;gap:24px\"><span style=\"font-size:11px;color:#8aaabf\">Inflation rate<\/span><span style=\"font-size:12px;font-weight:700;color:#5298e0;font-family:\\'Bricolage Grotesque\\',sans-serif\">2% \/ yr<\/span><\/div>\n<p>';<!-- [et_pb_line_break_holder] --> html += '<\/p>\n<div style=\"display:flex;justify-content:space-between;gap:24px\"><span style=\"font-size:11px;color:#8aaabf\">Years until retirement<\/span><span style=\"font-size:12px;font-weight:700;color:#5298e0;font-family:\\'Bricolage Grotesque\\',sans-serif\">'+yrs+' yrs<\/span><\/div>\n<p>';<!-- [et_pb_line_break_holder] --> html += divider();<!-- [et_pb_line_break_holder] --> html += row('Inflation-adjusted need', d.goalInflation, '#e8f2ff');<!-- [et_pb_line_break_holder] --> } else if(bar === 3){<!-- [et_pb_line_break_holder] --> title = 'State pension breakdown';<!-- [et_pb_line_break_holder] --> \/\/ Reverse from net (0.79 factor) to gross<!-- [et_pb_line_break_holder] --> var gross = Math.round(d.pensionAtRet \/ 0.70);<!-- [et_pb_line_break_holder] --> \/\/ KV: 7.3% base + 1.25% (half of avg Zusatzbeitrag 2.5%) = 8.55% AN-Anteil<!-- [et_pb_line_break_holder] --> var kv = Math.round(gross * 0.09); \/\/ KV 7.3% + avg Zusatzbeitrag ~1.7% = 9%<!-- [et_pb_line_break_holder] --> \/\/ Pflege: 3.6% + 0.6% kinderlos Zuschlag = 4.2%. Rentner zahlen VOLL allein<!-- [et_pb_line_break_holder] --> var pflege = Math.round(gross * 0.042);<!-- [et_pb_line_break_holder] --> \/\/ Income tax: est. ~8% (Besteuerungsanteil 83.5%, Grundfreibetrag \u20ac11.784)<!-- [et_pb_line_break_holder] --> var steuer = Math.round(gross * 0.12); \/\/ ~12% tax (expats often fully above Grundfreibetrag)<!-- [et_pb_line_break_holder] --> var netto = gross - kv - pflege - steuer;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var row3 = function(label, val, color){<!-- [et_pb_line_break_holder] --> return '<\/p>\n<div style=\"display:flex;justify-content:space-between;align-items:center;gap:20px\">'<!-- [et_pb_line_break_holder] --> +'<span style=\"font-size:11px;color:#8aaabf;line-height:1.3\">'+label+'<\/span>'<!-- [et_pb_line_break_holder] --> +'<span style=\"font-size:12px;font-weight:700;font-family:\\'Bricolage Grotesque\\',sans-serif;color:'+(color||'#e8f2ff')+';white-space:nowrap\">'+(val<0?'\u2212\u20ac'+Math.abs(val).toLocaleString('de-DE'):'\u20ac'+val.toLocaleString('de-DE'))+'<\/span>'<!-- [et_pb_line_break_holder] --> +'<\/div>\n<p>';<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> html += row3('Gross pension (Bruttorente)', gross);<!-- [et_pb_line_break_holder] --> html += divider();<!-- [et_pb_line_break_holder] --> html += row3('KV 9% (incl. rising Zusatzbeitrag)', -kv, '#e05252');<!-- [et_pb_line_break_holder] --> html += row3('Pflege 4.2% (allein, kinderlos)', -pflege, '#e05252');<!-- [et_pb_line_break_holder] --> html += row3('Income tax (~12% for expats)', -steuer, '#e05252');<!-- [et_pb_line_break_holder] --> html += divider();<!-- [et_pb_line_break_holder] --> html += row3('Net state pension', netto, '#5298e0');<!-- [et_pb_line_break_holder] --> html += divider();<!-- [et_pb_line_break_holder] --> html += row3('Monthly shortfall', -d.gap, '#e05252');<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> ttT.textContent = title;<!-- [et_pb_line_break_holder] --> ttR.innerHTML = html;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Position: above the hovered bar<!-- [et_pb_line_break_holder] --> var chart = document.getElementById('avChartArea');<!-- [et_pb_line_break_holder] --> var barEls = chart ? chart.querySelectorAll('[onmouseenter]') : [];<!-- [et_pb_line_break_holder] --> var idx = bar - 1;<!-- [et_pb_line_break_holder] --> if(barEls[idx] && chart){<!-- [et_pb_line_break_holder] --> var cr = chart.getBoundingClientRect();<!-- [et_pb_line_break_holder] --> var br = barEls[idx].getBoundingClientRect();<!-- [et_pb_line_break_holder] --> var left= (br.left - cr.left) + (br.width\/2);<!-- [et_pb_line_break_holder] --> tt.style.left = left + 'px';<!-- [et_pb_line_break_holder] --> tt.style.top = '4px';<!-- [et_pb_line_break_holder] --> tt.style.transform = 'translateX(-50%)';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> tt.style.opacity = '1';<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> window.hideAvTip = function(){<!-- [et_pb_line_break_holder] --> var tt = document.getElementById('avTooltip');<!-- [et_pb_line_break_holder] --> if(tt) tt.style.opacity = '0';<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> function fillSlider(el){<!-- [et_pb_line_break_holder] --> if(!el) return;<!-- [et_pb_line_break_holder] --> var pct=(+el.value-+el.min)\/(+el.max-+el.min)*100;<!-- [et_pb_line_break_holder] --> el.style.background='linear-gradient(90deg,#1a56a0 '+pct+'%,rgba(36,113,200,.12) '+pct+'%)';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function animVal(el, target){<!-- [et_pb_line_break_holder] --> if(!el) return;<!-- [et_pb_line_break_holder] --> \/\/ de-DE uses dots as thousand separators. strip everything except digits<!-- [et_pb_line_break_holder] --> var raw = parseInt((el.textContent||'').replace(\/[^\\d]\/g,'')) || 0;<!-- [et_pb_line_break_holder] --> var dur=580, t0=null;<!-- [et_pb_line_break_holder] --> function run(ts){<!-- [et_pb_line_break_holder] --> if(!t0) t0=ts;<!-- [et_pb_line_break_holder] --> var p=Math.min((ts-t0)\/dur,1), e=p<.5?2*p*p:1-Math.pow(-2*p+2,2)\/2;<!-- [et_pb_line_break_holder] --> el.textContent='\u20ac'+Math.round(raw+(target-raw)*e).toLocaleString('de-DE');<!-- [et_pb_line_break_holder] --> if(p<1) requestAnimationFrame(run);<!-- [et_pb_line_break_holder] --> else el.textContent='\u20ac'+target.toLocaleString('de-DE');<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> requestAnimationFrame(run);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function calcPension(){<!-- [et_pb_line_break_holder] --> var annualGross = s.monthlyGross * 12;<!-- [et_pb_line_break_holder] --> var yearsToRet = Math.max(s.retAge - s.age, 1);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Entgeltpunkte<!-- [et_pb_line_break_holder] --> var epPerYear = annualGross \/ DURCHSCHNITT;<!-- [et_pb_line_break_holder] --> var epAlready = s.yearsWorked * epPerYear;<!-- [et_pb_line_break_holder] --> var epFuture = yearsToRet * epPerYear;<!-- [et_pb_line_break_holder] --> var epTotal = epAlready + epFuture;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Bruttorente \u2192 Nettorente mit aktuellen 2025 Abz\u00fcgen:<!-- [et_pb_line_break_holder] --> \/\/ KV: 7.3% (Basis) + 1.25% (\u00bd Zusatzbeitrag \u00d8 2.5%) = 8.55% Rentneranteil<!-- [et_pb_line_break_holder] --> \/\/ Pflege: 4.2% (voll allein, kinderlos Zuschlag 0.6%). Rentner zahlen VOLL ohne AG-Anteil<!-- [et_pb_line_break_holder] --> \/\/ Einkommensteuer: ~8% Sch\u00e4tzung (Besteuerungsanteil 2025: 83.5%, Grundfreibetrag \u20ac11.784)<!-- [et_pb_line_break_holder] --> \/\/ Gesamt-Abz\u00fcge: ~20.75% \u2192 Nettofaktor ~0.79<!-- [et_pb_line_break_holder] --> var grossPension = Math.round(epTotal * RENTENWERT);<!-- [et_pb_line_break_holder] --> \/\/ Realistic 2025: KV 9% + Pflege 4.2% + Tax ~12% (many expats fully taxable) = ~25% \u2192 factor 0.70<!-- [et_pb_line_break_holder] --> var netPension = Math.round(grossPension * 0.70 * 0.75);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Rente zum Renteneintritt (inkl. 1 % Rentensteigerung p.a.)<!-- [et_pb_line_break_holder] --> \/\/ GRV\/R\u00fcrup: fr\u00fchestens ab 62. davor = 0<!-- [et_pb_line_break_holder] --> var pensionAtRet = s.retAge < 62<!-- [et_pb_line_break_holder] --> ? 0<!-- [et_pb_line_break_holder] --> : Math.round(netPension * Math.pow(1 + RENTENSTEIG\/100, yearsToRet));<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Versorgungsziel mit Inflation<!-- [et_pb_line_break_holder] --> var goalToday = s.goal;<!-- [et_pb_line_break_holder] --> var goalInflation = Math.round(goalToday * Math.pow(1 + INFLATION\/100, yearsToRet));<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Versorgungsl\u00fccke<!-- [et_pb_line_break_holder] --> var gap = Math.max(goalInflation - pensionAtRet, 0);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Ben\u00f6tigtes Kapital: PV einer monatlichen Rente (gap\/mo) \u00fcber yearsRet Jahre<!-- [et_pb_line_break_holder] --> \/\/ FIX: annuityFactor already gives PV of monthly payments. no \u00d712<!-- [et_pb_line_break_holder] --> var yearsRet = Math.max(85 - s.retAge, 10);<!-- [et_pb_line_break_holder] --> var r = 0.04 \/ 12;<!-- [et_pb_line_break_holder] --> var capital = gap > 0<!-- [et_pb_line_break_holder] --> ? gap * (1 - Math.pow(1 + r, -yearsRet * 12)) \/ r<!-- [et_pb_line_break_holder] --> : 0;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Notwendige Sparrate (Ansparphase, 4 % Rendite p.a.)<!-- [et_pb_line_break_holder] --> var monthlySave = 0;<!-- [et_pb_line_break_holder] --> if (capital > 0 && yearsToRet > 0) {<!-- [et_pb_line_break_holder] --> var rS = 0.04 \/ 12, nS = yearsToRet * 12;<!-- [et_pb_line_break_holder] --> monthlySave = Math.round(capital * rS \/ (Math.pow(1 + rS, nS) - 1));<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ R\u00fcrup (3. Schicht) tax relief. 2025 numbers<!-- [et_pb_line_break_holder] --> \/\/ H\u00f6chstbetrag 2025: \u20ac29,344 (Ledige), 100% absetzbar<!-- [et_pb_line_break_holder] --> \/\/ F\u00fcr Angestellte: GRV-Beitr\u00e4ge (AN+AG, 18.6%) abziehen<!-- [et_pb_line_break_holder] --> var RURUP_MAX = 29344; \/\/ H\u00f6chstbetrag 2025, 100% absetzbar seit 2023<!-- [et_pb_line_break_holder] --> var GRV_RATE = 0.186; \/\/ GRV-Gesamtbeitragssatz 2025<!-- [et_pb_line_break_holder] --> var grvTotal = GRV_RATE * Math.min(annualGross, BBG_2025);<!-- [et_pb_line_break_holder] --> var rurupRoom = Math.max(0, RURUP_MAX - grvTotal);<!-- [et_pb_line_break_holder] --> var taxRate = annualGross < 20000 ? 0.19 : annualGross < 40000 ? 0.25 : annualGross < 70000 ? 0.32 : annualGross < 100000 ? 0.37 : 0.42;<!-- [et_pb_line_break_holder] --> var taxSave = Math.round(Math.min(monthlySave * 12, rurupRoom) * taxRate);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> return {pensionAtRet, goalToday, goalInflation, gap, monthlySave, taxSave, capital: Math.round(capital), rurupRoom: Math.round(rurupRoom), taxRate, yearsToRet};<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function buildBars(d){<!-- [et_pb_line_break_holder] --> var maxVal = Math.max(d.goalToday, d.goalInflation, d.pensionAtRet + d.gap) * 1.08;<!-- [et_pb_line_break_holder] --> if(maxVal <= 0) return;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function h(val){ return Math.max(val\/maxVal * CHART_H, val>0 ? 22 : 0); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var h1 = h(d.goalToday);<!-- [et_pb_line_break_holder] --> var h2 = h(d.goalInflation);<!-- [et_pb_line_break_holder] --> var h3p = h(d.pensionAtRet);<!-- [et_pb_line_break_holder] --> var h3g = h(d.gap);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Bar 1<!-- [et_pb_line_break_holder] --> var b1 = document.getElementById('avBar1');<!-- [et_pb_line_break_holder] --> if(b1) b1.style.height = h1+'px';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Bar 2<!-- [et_pb_line_break_holder] --> var b2 = document.getElementById('avBar2');<!-- [et_pb_line_break_holder] --> if(b2) b2.style.height = h2+'px';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Bar 3 outer<!-- [et_pb_line_break_holder] --> var b3o = document.getElementById('avBar3Outer');<!-- [et_pb_line_break_holder] --> if(b3o) b3o.style.height = (h3p+h3g)+'px';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Bar 3 pension (blue, bottom)<!-- [et_pb_line_break_holder] --> var b3p = document.getElementById('avBar3Pension');<!-- [et_pb_line_break_holder] --> if(b3p) b3p.style.height = h3p+'px';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Bar 3 gap (red, top. sits above pension)<!-- [et_pb_line_break_holder] --> var b3g = document.getElementById('avBar3Gap');<!-- [et_pb_line_break_holder] --> if(b3g){<!-- [et_pb_line_break_holder] --> b3g.style.height = h3g+'px';<!-- [et_pb_line_break_holder] --> b3g.style.bottom = h3p+'px';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Labels<!-- [et_pb_line_break_holder] --> var t = function(id, val){ var el=document.getElementById(id); if(el) el.textContent='\u20ac'+val.toLocaleString('de-DE'); };<!-- [et_pb_line_break_holder] --> t('avBar1Txt', d.goalToday);<!-- [et_pb_line_break_holder] --> t('avBar2Txt', d.goalInflation);<!-- [et_pb_line_break_holder] --> t('avBar3PensionTxt', d.pensionAtRet);<!-- [et_pb_line_break_holder] --> t('avBar3GapTxt', d.gap);<!-- [et_pb_line_break_holder] --> t('avGesamtrente', d.pensionAtRet);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function calc(){<!-- [et_pb_line_break_holder] --> var d = calcPension();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> fillSlider(document.getElementById('avAge'));<!-- [et_pb_line_break_holder] --> fillSlider(document.getElementById('avSal'));<!-- [et_pb_line_break_holder] --> fillSlider(document.getElementById('avYearsWorked'));<!-- [et_pb_line_break_holder] --> fillSlider(document.getElementById('avGoal'));<!-- [et_pb_line_break_holder] --> fillSlider(document.getElementById('avRetAge'));<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> animVal(document.getElementById('avGap'), d.gap);<!-- [et_pb_line_break_holder] --> animVal(document.getElementById('avTaxSave'), d.taxSave);<!-- [et_pb_line_break_holder] --> animVal(document.getElementById('avMonthly'), d.monthlySave);<!-- [et_pb_line_break_holder] --> \/\/ Capital - format with k suffix for readability<!-- [et_pb_line_break_holder] --> var capEl = document.getElementById('avCapital');<!-- [et_pb_line_break_holder] --> if(capEl){<!-- [et_pb_line_break_holder] --> var cap = Math.round(d.capital);<!-- [et_pb_line_break_holder] --> var capFmt = cap >= 1000 ? '\u20ac'+Math.round(cap\/1000).toLocaleString('de-DE')+'k' : '\u20ac'+cap.toLocaleString('de-DE');<!-- [et_pb_line_break_holder] --> var capFrom = parseInt((capEl.textContent||'0').replace(\/[^0-9]\/g,''))||0;<!-- [et_pb_line_break_holder] --> capEl.textContent = cap >= 1000 ? '\u20ac'+Math.round(cap\/1000).toLocaleString('de-DE')+'k' : '\u20ac'+cap.toLocaleString('de-DE');<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \/\/ Net cost = monthly contribution minus monthly tax saving<!-- [et_pb_line_break_holder] --> var netCostEl = document.getElementById('avNetCost');<!-- [et_pb_line_break_holder] --> if(netCostEl) {<!-- [et_pb_line_break_holder] --> var netCost = Math.max(0, d.monthlySave - Math.round(d.taxSave\/12));<!-- [et_pb_line_break_holder] --> animVal(netCostEl, netCost);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var sub = document.getElementById('avGapSub');<!-- [et_pb_line_break_holder] --> if(sub) sub.textContent = 'You\\'ll receive \u20ac'+d.pensionAtRet.toLocaleString('de-DE')+'\/mo \u00b7 you need \u20ac'+d.goalInflation.toLocaleString('de-DE')+'\/mo';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var note = document.getElementById('avTaxNote');<!-- [et_pb_line_break_holder] --> if(note){<!-- [et_pb_line_break_holder] --> var _ln = typeof _currentLang!=='undefined'?_currentLang:'en';<!-- [et_pb_line_break_holder] --> var bracket = Math.round(d.taxRate*100)+'%';<!-- [et_pb_line_break_holder] --> note.textContent = _ln==='fa' ? '\u0633\u062a\u0648\u0646 \u0633\u0648\u0645 \u00b7 '+bracket+' \u0645\u0627\u0644\u06cc\u0627\u062a' :<!-- [et_pb_line_break_holder] --> _ln==='de' ? '3. S\u00e4ule \u00b7 '+bracket+' Steuersatz' :<!-- [et_pb_line_break_holder] --> '3rd pillar \u00b7 '+bracket+' bracket';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var urg = document.getElementById('avUrgencySub');<!-- [et_pb_line_break_holder] --> if(urg && d.monthlySave > 0) urg.textContent = 'Starting today: ~\u20ac'+d.monthlySave.toLocaleString('de-DE')+'\/mo closes your gap. The state covers part via R\u00fcrup tax relief.';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var lbl2 = document.getElementById('avBar2SubLabel');<!-- [et_pb_line_break_holder] --> if(lbl2){ var _lp = typeof _currentLang!=='undefined'?_currentLang:'en'; lbl2.textContent = (_lp==='fa'?'\u062f\u0631 \u0633\u0646 ':_lp==='de'?'Ab ':' At ')+s.retAge; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> window._avData = d;<!-- [et_pb_line_break_holder] --> buildBars(d);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var netCost = Math.max(0, d.monthlySave - Math.round(d.taxSave\/12));<!-- [et_pb_line_break_holder] --> var fmt = function(n){ return '\u20ac'+Math.round(n).toLocaleString('de-DE'); };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var msg =<!-- [et_pb_line_break_holder] --> 'Hi Milad, I just used your retirement planner and would love my exact numbers.\\n' +<!-- [et_pb_line_break_holder] --> '\\n' +<!-- [et_pb_line_break_holder] --> 'MY SITUATION\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Age: ' + s.age + ' yrs\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Monthly gross income: ' + fmt(s.monthlyGross) + '\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Years working in Germany: ' + s.yearsWorked + ' yrs\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Target retirement age: ' + s.retAge + ' yrs\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Desired net income at retirement: ' + fmt(s.goal) + '\/mo\\n' +<!-- [et_pb_line_break_holder] --> '\\n' +<!-- [et_pb_line_break_holder] --> 'PLANNER RESULTS\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Estimated state pension: ' + fmt(d.pensionAtRet) + '\/mo\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Inflation-adjusted need: ' + fmt(d.goalInflation) + '\/mo\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Monthly pension shortfall: ' + fmt(d.gap) + '\/mo\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Capital needed: ' + fmt(d.capital) + '\\n' +<!-- [et_pb_line_break_holder] --> '\\n' +<!-- [et_pb_line_break_holder] --> 'STATE SUPPORT\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Annual tax saving via 3rd pillar: ' + fmt(d.taxSave) + '\\n' +<!-- [et_pb_line_break_holder] --> '\u2022 Net monthly contribution after tax relief: ' + fmt(netCost) + '\\n' +<!-- [et_pb_line_break_holder] --> '\\n' +<!-- [et_pb_line_break_holder] --> 'Can you help me close this gap?';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var c = document.getElementById('avCta');<!-- [et_pb_line_break_holder] --> \/\/ Add language-aware opening to the planner message<!-- [et_pb_line_break_holder] --> var l = window._currentLang || 'en';<!-- [et_pb_line_break_holder] --> var opener = l==='fa' ? '\u0633\u0644\u0627\u0645 \u0645\u06cc\u0644\u0627\u062f\u060c \u0627\u0632 \u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0631\u06cc\u0632 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0634\u0645\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0631\u062f\u0645:\\n' :<!-- [et_pb_line_break_holder] --> l==='de' ? 'Hallo Milad, ich habe Ihren Rentenplaner benutzt:\\n' :<!-- [et_pb_line_break_holder] --> 'Hi Milad, I used your retirement planner:\\n';<!-- [et_pb_line_break_holder] --> if(c) c.href = 'https:\/\/wa.me\/4917645833573?text=' + encodeURIComponent(opener + msg);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Wire up inputs<!-- [et_pb_line_break_holder] --> var ageEl = document.getElementById('avAge');<!-- [et_pb_line_break_holder] --> var salEl = document.getElementById('avSal');<!-- [et_pb_line_break_holder] --> var ywEl = document.getElementById('avYearsWorked');<!-- [et_pb_line_break_holder] --> var goalEl = document.getElementById('avGoal');<!-- [et_pb_line_break_holder] --> var retAgeEl= document.getElementById('avRetAge');<!-- [et_pb_line_break_holder] --> if(!ageEl) return;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> ageEl.addEventListener('input',function(){s.age=+this.value;document.getElementById('avAgeLabel').textContent=s.age+' yrs';calc();});<!-- [et_pb_line_break_holder] --> salEl.addEventListener('input',function(){s.monthlyGross=+this.value;document.getElementById('avSalLabel').textContent='\u20ac'+s.monthlyGross.toLocaleString('de-DE');calc();});<!-- [et_pb_line_break_holder] --> ywEl.addEventListener('input',function(){s.yearsWorked=+this.value;document.getElementById('avYearsLabel').textContent=s.yearsWorked+' yrs';calc();});<!-- [et_pb_line_break_holder] --> goalEl.addEventListener('input',function(){s.goal=+this.value;document.getElementById('avGoalLabel').textContent='\u20ac'+s.goal.toLocaleString('de-DE');calc();});<!-- [et_pb_line_break_holder] --> retAgeEl.addEventListener('input',function(){s.retAge=+this.value;document.getElementById('avRetAgeLabel').textContent=s.retAge+' yrs';calc();});<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> fillSlider(ageEl); fillSlider(salEl); fillSlider(ywEl); fillSlider(goalEl); fillSlider(retAgeEl);<!-- [et_pb_line_break_holder] --> calc(); setTimeout(calc, 350);<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/\/ \u2550\u2550\u2550 PLANNER. FIN CALC + ANIMATED BARS \u2550\u2550\u2550<!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> var s={salary:75000,equity:50000,emp:'employed',loc:'blue'};<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function fillSlider(el){<!-- [et_pb_line_break_holder] --> var pct=(+el.value-+el.min)\/(+el.max-+el.min)*100;<!-- [et_pb_line_break_holder] --> el.style.background='linear-gradient(90deg,var(--blue2) '+pct+'%,rgba(255,255,255,.08) '+pct+'%)';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function animVal(el,target){<!-- [et_pb_line_break_holder] --> if(!el)return;<!-- [et_pb_line_break_holder] --> var raw=parseInt((el.textContent||'').replace(\/[^0-9]\/g,''))||0;<!-- [et_pb_line_break_holder] --> var dur=500,t0=null;<!-- [et_pb_line_break_holder] --> function run(ts){if(!t0)t0=ts;var p=Math.min((ts-t0)\/dur,1),e=p<.5?2*p*p:1-Math.pow(-2*p+2,2)\/2;el.textContent='\u20ac'+Math.round(raw+(target-raw)*e).toLocaleString('de-DE');if(p<1)requestAnimationFrame(run);else el.textContent='\u20ac'+target.toLocaleString('de-DE');}<!-- [et_pb_line_break_holder] --> requestAnimationFrame(run);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function fmt(n){ return '\u20ac'+Math.round(n\/1000)+'k'; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function updateCols(equity, loan, budget){<!-- [et_pb_line_break_holder] --> var maxH = 115; \/\/ px max height (col is 160px, ~25px for label above + bottom)<!-- [et_pb_line_break_holder] --> var maxVal = Math.max(budget, 100000);<!-- [et_pb_line_break_holder] --> function setCol(id, val, delay, labelId, labelVal){<!-- [et_pb_line_break_holder] --> var el = document.getElementById(id);<!-- [et_pb_line_break_holder] --> if(!el) return;<!-- [et_pb_line_break_holder] --> var h = Math.max(Math.round(val \/ maxVal * maxH), val > 0 ? 28 : 0);<!-- [et_pb_line_break_holder] --> el.style.transition = 'none';<!-- [et_pb_line_break_holder] --> el.style.height = '0px';<!-- [et_pb_line_break_holder] --> requestAnimationFrame(function(){<!-- [et_pb_line_break_holder] --> setTimeout(function(){<!-- [et_pb_line_break_holder] --> el.style.transition = 'height 1s '+(delay*.001)+'s cubic-bezier(.16,1,.3,1)';<!-- [et_pb_line_break_holder] --> el.style.height = h+'px';<!-- [et_pb_line_break_holder] --> }, delay);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> var lbl = document.getElementById(labelId);<!-- [et_pb_line_break_holder] --> if(lbl) lbl.textContent = fmt(labelVal);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> setCol('finColEq', equity, 50, 'finEqDispCol', equity);<!-- [et_pb_line_break_holder] --> setCol('finColLoan', loan, 130, 'finMaxCol', loan);<!-- [et_pb_line_break_holder] --> setCol('finColTotal',budget, 220, 'finBudgetCol', budget);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function calc(){<!-- [et_pb_line_break_holder] --> var empM = s.emp==='civil' ? 1.15 : s.emp==='self' ? 0.78 : 1;<!-- [et_pb_line_break_holder] --> var locM = s.loc==='perm' ? 1.05 : 0.93;<!-- [et_pb_line_break_holder] --> var maxR = s.salary\/12 * 0.68 * 0.35 * empM * locM;<!-- [et_pb_line_break_holder] --> var rate = 3.8\/100\/12, term = 25*12;<!-- [et_pb_line_break_holder] --> var loan = Math.round(maxR * (1-Math.pow(1+rate,-term)) \/ rate \/ 5000) * 5000;<!-- [et_pb_line_break_holder] --> var budget = loan + s.equity;<!-- [et_pb_line_break_holder] --> var monthly = Math.round(loan * rate \/ (1 - Math.pow(1+rate,-term)));<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> fillSlider(document.getElementById('finSal'));<!-- [et_pb_line_break_holder] --> fillSlider(document.getElementById('finEq'));<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Update stat rows<!-- [et_pb_line_break_holder] --> var eqDisp = document.getElementById('finEqDisp');<!-- [et_pb_line_break_holder] --> if(eqDisp){ eqDisp.style.fontFamily=\"'Bricolage Grotesque',sans-serif\"; eqDisp.textContent = '\u20ac'+s.equity.toLocaleString('de-DE'); }<!-- [et_pb_line_break_holder] --> animVal(document.getElementById('finMax'), loan);<!-- [et_pb_line_break_holder] --> animVal(document.getElementById('finBudget'), budget);<!-- [et_pb_line_break_holder] --> animVal(document.getElementById('finRate'), monthly);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Update column chart<!-- [et_pb_line_break_holder] --> updateCols(s.equity, loan, budget);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var msg = 'Hi Milad, I used your property planner:\\n- Annual salary: \u20ac'+s.salary.toLocaleString('de-DE')+'\\n- Savings \/ equity: \u20ac'+s.equity.toLocaleString('de-DE')+'\\n- Employment: '+s.emp+'\\n- Residence: '+s.loc+'\\nMax mortgage: \u20ac'+loan.toLocaleString('de-DE')+' | Total budget: \u20ac'+budget.toLocaleString('de-DE')+'\\nCan you help me find the right lender?';<!-- [et_pb_line_break_holder] --> var ct = document.getElementById('finCta');<!-- [et_pb_line_break_holder] --> var l2 = window._currentLang || 'en';<!-- [et_pb_line_break_holder] --> var opener2 = l2==='fa' ? '\u0633\u0644\u0627\u0645 \u0645\u06cc\u0644\u0627\u062f\u060c \u0627\u0632 \u062d\u0633\u0627\u0628\u200c\u06af\u0631 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0631\u062f\u0645:\\n' :<!-- [et_pb_line_break_holder] --> l2==='de' ? 'Hallo Milad, ich habe Ihren Finanzierungsrechner benutzt:\\n' :<!-- [et_pb_line_break_holder] --> 'Hi Milad, I used your financing calculator:\\n';<!-- [et_pb_line_break_holder] --> if(ct) ct.href = 'https:\/\/wa.me\/4917645833573?text='+encodeURIComponent(opener2 + msg);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var salEl=document.getElementById('finSal'),eqEl=document.getElementById('finEq');<!-- [et_pb_line_break_holder] --> if(!salEl)return;<!-- [et_pb_line_break_holder] --> salEl.addEventListener('input',function(){s.salary=+this.value;document.getElementById('finSalLabel').textContent='\u20ac'+s.salary.toLocaleString('de-DE');calc();});<!-- [et_pb_line_break_holder] --> eqEl.addEventListener('input',function(){s.equity=+this.value;document.getElementById('finEqLabel').textContent='\u20ac'+s.equity.toLocaleString('de-DE');calc();});<!-- [et_pb_line_break_holder] --> document.querySelectorAll('[data-finemp]').forEach(function(p){p.addEventListener('click',function(){document.querySelectorAll('[data-finemp]').forEach(function(x){x.classList.remove('active')});p.classList.add('active');s.emp=p.getAttribute('data-finemp');calc();});});<!-- [et_pb_line_break_holder] --> document.querySelectorAll('[data-finloc]').forEach(function(p){p.addEventListener('click',function(){document.querySelectorAll('[data-finloc]').forEach(function(x){x.classList.remove('active')});p.classList.add('active');s.loc=p.getAttribute('data-finloc');calc();});});<!-- [et_pb_line_break_holder] --> fillSlider(salEl);fillSlider(eqEl);<!-- [et_pb_line_break_holder] --> calc();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Re-animate when tab switches<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.ptab').forEach(function(t){<!-- [et_pb_line_break_holder] --> t.addEventListener('click',function(){<!-- [et_pb_line_break_holder] --> if(t.getAttribute('data-panel')==='fin'){<!-- [et_pb_line_break_holder] --> setTimeout(calc,120);<!-- [et_pb_line_break_holder] --> \/\/ Re-apply current language to newly visible panel<!-- [et_pb_line_break_holder] --> if(window._currentLang && window._currentLang !== 'en' && window.applyLang){<!-- [et_pb_line_break_holder] --> setTimeout(function(){ window.applyLang(window._currentLang); }, 50);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/\/ LANGUAGE SWITCHER<!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> var tr=document.getElementById('langTrigger'),dp=document.getElementById('langDropdown'),sw=document.getElementById('langSwitcher'),lb=document.getElementById('langLabel');<!-- [et_pb_line_break_holder] --> if(!tr)return;<!-- [et_pb_line_break_holder] --> document.querySelectorAll('[data-fa]').forEach(function(el){<!-- [et_pb_line_break_holder] --> if(el.querySelector('[data-fa]'))return;<!-- [et_pb_line_break_holder] --> if(!el.getAttribute('data-en'))el.setAttribute('data-en',el.innerHTML.trim());<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> \/\/ Pre-filled WhatsApp messages per language and button context<!-- [et_pb_line_break_holder] --> var waMsgs = {<!-- [et_pb_line_break_holder] --> en: {<!-- [et_pb_line_break_holder] --> general: 'Hi Milad, I found your website and would like to book a free consultation.',<!-- [et_pb_line_break_holder] --> nav: 'Hi Milad, I found your website and would like to book a free consultation.',<!-- [et_pb_line_break_holder] --> hero: 'Hi Milad, I found your website and would like to talk about my finances in Germany.',<!-- [et_pb_line_break_holder] --> av: 'Hi Milad, I just used your retirement planner and would like to discuss my results.',<!-- [et_pb_line_break_holder] --> fin: 'Hi Milad, I just used your property financing calculator and would like to discuss my options.',<!-- [et_pb_line_break_holder] --> footer: 'Hi Milad, I found your website and would like to get in touch.',<!-- [et_pb_line_break_holder] --> },<!-- [et_pb_line_break_holder] --> fa: {<!-- [et_pb_line_break_holder] --> general: '\u0633\u0644\u0627\u0645 \u0645\u06cc\u0644\u0627\u062f\u060c \u0648\u0628\u0633\u0627\u06cc\u062a \u0634\u0645\u0627 \u0631\u0627 \u062f\u06cc\u062f\u0645 \u0648 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u0645 \u06cc\u06a9 \u0645\u0634\u0627\u0648\u0631\u0647 \u0631\u0627\u06cc\u06af\u0627\u0646 \u0631\u0632\u0631\u0648 \u06a9\u0646\u0645.',<!-- [et_pb_line_break_holder] --> nav: '\u0633\u0644\u0627\u0645 \u0645\u06cc\u0644\u0627\u062f\u060c \u0648\u0628\u0633\u0627\u06cc\u062a \u0634\u0645\u0627 \u0631\u0627 \u062f\u06cc\u062f\u0645 \u0648 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u0645 \u06cc\u06a9 \u0645\u0634\u0627\u0648\u0631\u0647 \u0631\u0627\u06cc\u06af\u0627\u0646 \u0631\u0632\u0631\u0648 \u06a9\u0646\u0645.',<!-- [et_pb_line_break_holder] --> hero: '\u0633\u0644\u0627\u0645 \u0645\u06cc\u0644\u0627\u062f\u060c \u0648\u0628\u0633\u0627\u06cc\u062a \u0634\u0645\u0627 \u0631\u0627 \u062f\u06cc\u062f\u0645 \u0648 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u0645 \u062f\u0631\u0628\u0627\u0631\u0647 \u0648\u0636\u0639\u06cc\u062a \u0645\u0627\u0644\u06cc\u200c\u0627\u0645 \u062f\u0631 \u0622\u0644\u0645\u0627\u0646 \u0635\u062d\u0628\u062a \u06a9\u0646\u0645.',<!-- [et_pb_line_break_holder] --> av: '\u0633\u0644\u0627\u0645 \u0645\u06cc\u0644\u0627\u062f\u060c \u0627\u0632 \u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0631\u06cc\u0632 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0634\u0645\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0631\u062f\u0645 \u0648 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u0645 \u0646\u062a\u0627\u06cc\u062c \u0631\u0627 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0646\u06cc\u0645.',<!-- [et_pb_line_break_holder] --> fin: '\u0633\u0644\u0627\u0645 \u0645\u06cc\u0644\u0627\u062f\u060c \u0627\u0632 \u062d\u0633\u0627\u0628\u200c\u06af\u0631 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0645\u0633\u06a9\u0646 \u0634\u0645\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0631\u062f\u0645 \u0648 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u0645 \u06af\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc\u0645 \u0631\u0627 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0646\u06cc\u0645.',<!-- [et_pb_line_break_holder] --> footer: '\u0633\u0644\u0627\u0645 \u0645\u06cc\u0644\u0627\u062f\u060c \u0648\u0628\u0633\u0627\u06cc\u062a \u0634\u0645\u0627 \u0631\u0627 \u062f\u06cc\u062f\u0645 \u0648 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u0645 \u0628\u0627 \u0634\u0645\u0627 \u062f\u0631 \u062a\u0645\u0627\u0633 \u0628\u0627\u0634\u0645.',<!-- [et_pb_line_break_holder] --> },<!-- [et_pb_line_break_holder] --> de: {<!-- [et_pb_line_break_holder] --> general: 'Hallo Milad, ich habe Ihre Website gefunden und m\u00f6chte eine kostenlose Beratung buchen.',<!-- [et_pb_line_break_holder] --> nav: 'Hallo Milad, ich habe Ihre Website gefunden und m\u00f6chte eine kostenlose Beratung buchen.',<!-- [et_pb_line_break_holder] --> hero: 'Hallo Milad, ich habe Ihre Website gefunden und m\u00f6chte \u00fcber meine Finanzen in Deutschland sprechen.',<!-- [et_pb_line_break_holder] --> av: 'Hallo Milad, ich habe Ihren Rentenplaner benutzt und m\u00f6chte meine Ergebnisse besprechen.',<!-- [et_pb_line_break_holder] --> fin: 'Hallo Milad, ich habe Ihren Finanzierungsrechner benutzt und m\u00f6chte meine M\u00f6glichkeiten besprechen.',<!-- [et_pb_line_break_holder] --> footer: 'Hallo Milad, ich habe Ihre Website gefunden und m\u00f6chte Kontakt aufnehmen.',<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function waUrl(context){<!-- [et_pb_line_break_holder] --> var l = _currentLang || 'en';<!-- [et_pb_line_break_holder] --> var msgs = waMsgs[l] || waMsgs.en;<!-- [et_pb_line_break_holder] --> var msg = msgs[context] || msgs.general;<!-- [et_pb_line_break_holder] --> return 'https:\/\/wa.me\/4917645833573?text=' + encodeURIComponent(msg);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Expose so calc functions can use it<!-- [et_pb_line_break_holder] --> window._waUrl = waUrl;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var waUrls={<!-- [et_pb_line_break_holder] --> en: waUrl('general'),<!-- [et_pb_line_break_holder] --> fa: waUrl('general'),<!-- [et_pb_line_break_holder] --> de: waUrl('general')<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> var _currentLang = 'en';<!-- [et_pb_line_break_holder] --> window._currentLang = 'en';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function applyLang(l){<!-- [et_pb_line_break_holder] --> _currentLang = l;<!-- [et_pb_line_break_holder] --> window._currentLang = l;<!-- [et_pb_line_break_holder] --> document.documentElement.setAttribute('dir', l==='fa' ? 'rtl' : 'ltr');<!-- [et_pb_line_break_holder] --> document.documentElement.setAttribute('lang', l==='fa' ? 'fa' : l==='de' ? 'de' : 'en');<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Translate every element that has data-en or data-fa<!-- [et_pb_line_break_holder] --> \/\/ Walk deepest-first so parent elements with children don't overwrite child text<!-- [et_pb_line_break_holder] --> var all = Array.from(document.querySelectorAll('[data-en],[data-fa]'));<!-- [et_pb_line_break_holder] --> \/\/ Sort: elements with no translatable children first (leaves)<!-- [et_pb_line_break_holder] --> all.forEach(function(el){<!-- [et_pb_line_break_holder] --> if(el.closest('.ticker,.ttrack')) return;<!-- [et_pb_line_break_holder] --> var hasKids = el.querySelector('[data-en],[data-fa]');<!-- [et_pb_line_break_holder] --> if(hasKids) return; \/\/ skip containers. translate leaves only<!-- [et_pb_line_break_holder] --> var v = el.getAttribute('data-' + l) || (l === 'de' ? el.getAttribute('data-en') : null);<!-- [et_pb_line_break_holder] --> if(v) el.innerHTML = v;<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Planner tab title\/subtitle (dynamically set via JS too)<!-- [et_pb_line_break_holder] --> var planTitles = {<!-- [et_pb_line_break_holder] --> av: { en: 'Your retirement <span class=\"ga\">in real numbers<\/span>',<!-- [et_pb_line_break_holder] --> fa: '\u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc \u0634\u0645\u0627 <span class=\"ga\">\u0628\u0627 \u0627\u0639\u062f\u0627\u062f \u0648\u0627\u0642\u0639\u06cc<\/span>',<!-- [et_pb_line_break_holder] --> de: 'Ihre Rente <span class=\"ga\">in echten Zahlen<\/span>',<!-- [et_pb_line_break_holder] --> en_s: 'Enter your details and see your retirement picture in real time. This is what Milad reviews with you in a free first call.',<!-- [et_pb_line_break_holder] --> fa_s: '\u0627\u0637\u0644\u0627\u0639\u0627\u062a \u062e\u0648\u062f \u0631\u0627 \u0648\u0627\u0631\u062f \u06a9\u0646\u06cc\u062f \u0648 \u062a\u0635\u0648\u06cc\u0631 \u0628\u0627\u0632\u0646\u0634\u0633\u062a\u06af\u06cc\u200c\u062a\u0627\u0646 \u0631\u0627 \u062f\u0631 \u0632\u0645\u0627\u0646 \u0648\u0627\u0642\u0639\u06cc \u0628\u0628\u06cc\u0646\u06cc\u062f.',<!-- [et_pb_line_break_holder] --> de_s: 'Geben Sie Ihre Daten ein und sehen Sie Ihr Rentenbild in Echtzeit. Genau das bespricht Milad mit Ihnen im kostenlosen Erstgespr\u00e4ch.' },<!-- [et_pb_line_break_holder] --> fin: { en: 'Your property budget <span class=\"ga\">in real numbers<\/span>',<!-- [et_pb_line_break_holder] --> fa: '\u0628\u0648\u062f\u062c\u0647 \u0645\u0644\u06a9 \u0634\u0645\u0627 <span class=\"ga\">\u0628\u0627 \u0627\u0639\u062f\u0627\u062f \u0648\u0627\u0642\u0639\u06cc<\/span>',<!-- [et_pb_line_break_holder] --> de: 'Ihr Immobilienbudget <span class=\"ga\">in echten Zahlen<\/span>',<!-- [et_pb_line_break_holder] --> en_s: 'See how much you can realistically borrow. Milad works with lenders who approve Blue Cards, self-employed and all permit types.',<!-- [et_pb_line_break_holder] --> fa_s: '\u0628\u0628\u06cc\u0646\u06cc\u062f \u0686\u0642\u062f\u0631 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0648\u0627\u0642\u0639\u200c\u0628\u06cc\u0646\u0627\u0646\u0647 \u0648\u0627\u0645 \u0628\u06af\u06cc\u0631\u06cc\u062f. \u0645\u06cc\u0644\u0627\u062f \u0628\u0627 \u0648\u0627\u0645\u200c\u062f\u0647\u0646\u062f\u06af\u0627\u0646\u06cc \u06a9\u0627\u0631 \u0645\u06cc\u200c\u06a9\u0646\u062f \u06a9\u0647 \u0628\u0644\u0648 \u06a9\u0627\u0631\u062a \u0648 \u062e\u0648\u062f\u0627\u0634\u062a\u063a\u0627\u0644 \u0631\u0627 \u0645\u06cc\u200c\u067e\u0630\u06cc\u0631\u0646\u062f.',<!-- [et_pb_line_break_holder] --> de_s: 'Sehen Sie, wie viel Sie realistisch finanzieren k\u00f6nnen. Milad arbeitet mit Kreditgebern, die Blue Cards und Selbstst\u00e4ndige akzeptieren.' }<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> var activeTab = document.querySelector('.ptab.active');<!-- [et_pb_line_break_holder] --> if(activeTab) {<!-- [et_pb_line_break_holder] --> var panel = activeTab.getAttribute('data-panel');<!-- [et_pb_line_break_holder] --> var ti = document.getElementById('planTitle');<!-- [et_pb_line_break_holder] --> var su = document.getElementById('planSubtitle');<!-- [et_pb_line_break_holder] --> if(ti && planTitles[panel]) ti.innerHTML = planTitles[panel][l] || planTitles[panel].en;<!-- [et_pb_line_break_holder] --> if(su && planTitles[panel]) su.textContent = planTitles[panel][l+'_s'] || planTitles[panel].en_s;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Update WA links with context-specific messages<!-- [et_pb_line_break_holder] --> var ctxMap = {heroWaBtn:'hero', navCta:'nav', ctaWaBtn:'general', footerWaBtn:'footer'};<!-- [et_pb_line_break_holder] --> Object.keys(ctxMap).forEach(function(id){<!-- [et_pb_line_break_holder] --> var el = document.getElementById(id);<!-- [et_pb_line_break_holder] --> if(el && el.tagName==='A') el.href = waUrl(ctxMap[id]);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Rebuild ticker in correct language<!-- [et_pb_line_break_holder] --> if(window._rebuildTicker) window._rebuildTicker(l);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Update \"At\/Ab\/\u062f\u0631 \u0633\u0646 N\" bar label<!-- [et_pb_line_break_holder] --> var lbl2 = document.getElementById('avBar2SubLabel');<!-- [et_pb_line_break_holder] --> if(lbl2){<!-- [et_pb_line_break_holder] --> var retA = parseInt(lbl2.textContent.replace(\/[^0-9]\/g,'')) || 67;<!-- [et_pb_line_break_holder] --> lbl2.textContent = (l==='fa'?'\u062f\u0631 \u0633\u0646 ':l==='de'?'Ab ':'At ')+retA;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> window.applyLang = applyLang;<!-- [et_pb_line_break_holder] --> \/\/ Set correct initial href for all static WA buttons<!-- [et_pb_line_break_holder] --> (function(){ var ctxMap={heroWaBtn:'hero',navCta:'nav',ctaWaBtn:'general',footerWaBtn:'footer'}; Object.keys(ctxMap).forEach(function(id){var el=document.getElementById(id);if(el&&el.tagName==='A')el.href=waUrl(ctxMap[id]);});})();<!-- [et_pb_line_break_holder] --> tr.addEventListener('click',function(e){e.stopPropagation();sw.classList.toggle('open')});<!-- [et_pb_line_break_holder] --> dp.querySelectorAll('.nlang-option').forEach(function(o){<!-- [et_pb_line_break_holder] --> o.addEventListener('click',function(e){<!-- [et_pb_line_break_holder] --> e.stopPropagation();<!-- [et_pb_line_break_holder] --> var l=o.getAttribute('data-lang');<!-- [et_pb_line_break_holder] --> lb.textContent=o.getAttribute('data-code');<!-- [et_pb_line_break_holder] --> dp.querySelectorAll('.nlang-option').forEach(function(x){x.classList.remove('active')});<!-- [et_pb_line_break_holder] --> o.classList.add('active');applyLang(l);sw.classList.remove('open');<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> document.addEventListener('click',function(){sw.classList.remove('open')});<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/\/ COOKIE<!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> var b = document.getElementById('mg-cookie-banner');<!-- [et_pb_line_break_holder] --> var fab = document.getElementById('mg-cookie-fab');<!-- [et_pb_line_break_holder] --> if(localStorage.getItem('mg_c4')){<!-- [et_pb_line_break_holder] --> if(b){ b.classList.add('hidden'); setTimeout(function(){ b.style.display='none'; }, 400); }<!-- [et_pb_line_break_holder] --> if(fab) fab.style.display='flex';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] -->function mgCookieAccept(){ localStorage.setItem('mg_c4','y'); hideMgCookie(); }<!-- [et_pb_line_break_holder] -->function mgCookieDecline(){ localStorage.setItem('mg_c4','n'); hideMgCookie(); }<!-- [et_pb_line_break_holder] -->function hideMgCookie(){<!-- [et_pb_line_break_holder] --> var b = document.getElementById('mg-cookie-banner');<!-- [et_pb_line_break_holder] --> var fab = document.getElementById('mg-cookie-fab');<!-- [et_pb_line_break_holder] --> if(b){ b.classList.add('hidden'); setTimeout(function(){ b.style.display='none'; }, 400); }<!-- [et_pb_line_break_holder] --> if(fab) setTimeout(function(){ fab.style.display='flex'; }, 420);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->function mgCookieReopen(){<!-- [et_pb_line_break_holder] --> var b = document.getElementById('mg-cookie-banner');<!-- [et_pb_line_break_holder] --> var fab = document.getElementById('mg-cookie-fab');<!-- [et_pb_line_break_holder] --> if(b){ b.style.display='flex'; requestAnimationFrame(function(){ b.classList.remove('hidden'); }); }<!-- [et_pb_line_break_holder] --> if(fab) fab.style.display='none';<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/\/ SCROLL REVEAL<!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> var io=new IntersectionObserver(function(entries){<!-- [et_pb_line_break_holder] --> entries.forEach(function(e){<!-- [et_pb_line_break_holder] --> if(e.isIntersecting){e.target.classList.add('visible');io.unobserve(e.target);}<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> },{threshold:0.1,rootMargin:'0px 0px -40px 0px'});<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.reveal').forEach(function(el){io.observe(el);});<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ About points. staggered reveal<!-- [et_pb_line_break_holder] --> var ioPoints=new IntersectionObserver(function(entries){<!-- [et_pb_line_break_holder] --> entries.forEach(function(e){<!-- [et_pb_line_break_holder] --> if(e.isIntersecting){<!-- [et_pb_line_break_holder] --> var pts=e.target.querySelectorAll('.about-point');<!-- [et_pb_line_break_holder] --> pts.forEach(function(pt,i){<!-- [et_pb_line_break_holder] --> setTimeout(function(){pt.classList.add('visible');},i*140);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> ioPoints.unobserve(e.target);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> },{threshold:0.15});<!-- [et_pb_line_break_holder] --> var aboutGrid=document.querySelector('.about-grid');<!-- [et_pb_line_break_holder] --> if(aboutGrid) ioPoints.observe(aboutGrid);<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/\/ PROBLEM SECTION. damage counter + year pills + fact reveals<!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> var currentLoss = 38400;<!-- [et_pb_line_break_holder] --> var triggered = {};<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function animateDamage(target) {<!-- [et_pb_line_break_holder] --> var el = document.getElementById('damageNum');<!-- [et_pb_line_break_holder] --> if (!el) return;<!-- [et_pb_line_break_holder] --> el.classList.add('lit');<!-- [et_pb_line_break_holder] --> var start = parseInt(el.textContent.replace(\/\\D\/g,'')) || 0;<!-- [et_pb_line_break_holder] --> var dur = 950, t0 = null;<!-- [et_pb_line_break_holder] --> function step(ts) {<!-- [et_pb_line_break_holder] --> if (!t0) t0 = ts;<!-- [et_pb_line_break_holder] --> var p = Math.min((ts - t0) \/ dur, 1);<!-- [et_pb_line_break_holder] --> var e = p < .5 ? 2*p*p : 1 - Math.pow(-2*p+2,2)\/2;<!-- [et_pb_line_break_holder] --> el.textContent = Math.round(start + (target - start) * e).toLocaleString('de-DE');<!-- [et_pb_line_break_holder] --> if (p < 1) requestAnimationFrame(step);<!-- [et_pb_line_break_holder] --> else el.textContent = target.toLocaleString('de-DE');<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> requestAnimationFrame(step);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Year pills<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.prob-year-pill').forEach(function(pill) {<!-- [et_pb_line_break_holder] --> pill.addEventListener('click', function() {<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.prob-year-pill').forEach(function(p){ p.classList.remove('active') });<!-- [et_pb_line_break_holder] --> pill.classList.add('active');<!-- [et_pb_line_break_holder] --> currentLoss = parseInt(pill.getAttribute('data-loss'));<!-- [et_pb_line_break_holder] --> animateDamage(currentLoss);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ IntersectionObserver. banner + fact tiles<!-- [et_pb_line_break_holder] --> var io2 = new IntersectionObserver(function(entries) {<!-- [et_pb_line_break_holder] --> entries.forEach(function(e) {<!-- [et_pb_line_break_holder] --> if (!e.isIntersecting) return;<!-- [et_pb_line_break_holder] --> var id = e.target.id;<!-- [et_pb_line_break_holder] --> if (triggered[id]) return;<!-- [et_pb_line_break_holder] --> triggered[id] = true;<!-- [et_pb_line_break_holder] --> if (id === 'probBanner') {<!-- [et_pb_line_break_holder] --> e.target.querySelectorAll('.pb-reveal').forEach(function(el, i) {<!-- [et_pb_line_break_holder] --> setTimeout(function(){ el.classList.add('visible'); }, i * 130);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> setTimeout(function(){ animateDamage(currentLoss); }, 500);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \/\/ fact tiles<!-- [et_pb_line_break_holder] --> if (id === 'pf1' || id === 'pf2' || id === 'pf3' || id === 'pf4') {<!-- [et_pb_line_break_holder] --> e.target.classList.add('visible');<!-- [et_pb_line_break_holder] --> if (id === 'pf1') {<!-- [et_pb_line_break_holder] --> setTimeout(function(){<!-- [et_pb_line_break_holder] --> var bs = document.getElementById('pf1barState');<!-- [et_pb_line_break_holder] --> var bn = document.getElementById('pf1barNeed');<!-- [et_pb_line_break_holder] --> var gl = document.getElementById('pf1GapLbl');<!-- [et_pb_line_break_holder] --> if(bs) bs.classList.add('animated');<!-- [et_pb_line_break_holder] --> if(bn) bn.classList.add('animated');<!-- [et_pb_line_break_holder] --> if(gl) setTimeout(function(){ gl.classList.add('show'); }, 900);<!-- [et_pb_line_break_holder] --> }, 300);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> }, { threshold: 0.15 });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> ['probBanner','pf1','pf2','pf3','pf4'].forEach(function(id) {<!-- [et_pb_line_break_holder] --> var el = document.getElementById(id);<!-- [et_pb_line_break_holder] --> if (el) io2.observe(el);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/\/ NAV ACTIVE STATE<!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] --> var sections=document.querySelectorAll('section[id]');<!-- [et_pb_line_break_holder] --> var links=document.querySelectorAll('.nlinks a');<!-- [et_pb_line_break_holder] --> var io=new IntersectionObserver(function(entries){<!-- [et_pb_line_break_holder] --> entries.forEach(function(e){<!-- [et_pb_line_break_holder] --> if(e.isIntersecting){<!-- [et_pb_line_break_holder] --> links.forEach(function(l){<!-- [et_pb_line_break_holder] --> l.style.color=l.getAttribute('href')==='#'+e.target.id?'var(--white)':'var(--silver)';<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> },{threshold:0.4});<!-- [et_pb_line_break_holder] --> sections.forEach(function(s){io.observe(s);});<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><\/script><!-- [et_pb_line_break_holder] --><\/body><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_fullwidth_code][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template-blank.php","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:divi\/placeholder \/-->","_et_gb_content_width":"","footnotes":""},"class_list":["post-7","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>start - Milad Gholampour<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milad-gholampour.de\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"start - Milad Gholampour\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milad-gholampour.de\/\" \/>\n<meta property=\"og:site_name\" content=\"Milad Gholampour\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-25T10:33:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/randomuser.me\/api\/portraits\/men\/56.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/milad-gholampour.de\/\",\"url\":\"https:\/\/milad-gholampour.de\/\",\"name\":\"start - Milad Gholampour\",\"isPartOf\":{\"@id\":\"https:\/\/milad-gholampour.de\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/milad-gholampour.de\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/milad-gholampour.de\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/randomuser.me\/api\/portraits\/men\/56.jpg\",\"datePublished\":\"2026-03-17T14:12:28+00:00\",\"dateModified\":\"2026-03-25T10:33:11+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/milad-gholampour.de\/#breadcrumb\"},\"inLanguage\":\"de\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/milad-gholampour.de\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"de\",\"@id\":\"https:\/\/milad-gholampour.de\/#primaryimage\",\"url\":\"https:\/\/randomuser.me\/api\/portraits\/men\/56.jpg\",\"contentUrl\":\"https:\/\/randomuser.me\/api\/portraits\/men\/56.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/milad-gholampour.de\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Start\",\"item\":\"https:\/\/milad-gholampour.de\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"start\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/milad-gholampour.de\/#website\",\"url\":\"https:\/\/milad-gholampour.de\/\",\"name\":\"Milad Gholampour\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/milad-gholampour.de\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"de\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"start - Milad Gholampour","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/milad-gholampour.de\/","og_locale":"de_DE","og_type":"article","og_title":"start - Milad Gholampour","og_url":"https:\/\/milad-gholampour.de\/","og_site_name":"Milad Gholampour","article_modified_time":"2026-03-25T10:33:11+00:00","og_image":[{"url":"https:\/\/randomuser.me\/api\/portraits\/men\/56.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/milad-gholampour.de\/","url":"https:\/\/milad-gholampour.de\/","name":"start - Milad Gholampour","isPartOf":{"@id":"https:\/\/milad-gholampour.de\/#website"},"primaryImageOfPage":{"@id":"https:\/\/milad-gholampour.de\/#primaryimage"},"image":{"@id":"https:\/\/milad-gholampour.de\/#primaryimage"},"thumbnailUrl":"https:\/\/randomuser.me\/api\/portraits\/men\/56.jpg","datePublished":"2026-03-17T14:12:28+00:00","dateModified":"2026-03-25T10:33:11+00:00","breadcrumb":{"@id":"https:\/\/milad-gholampour.de\/#breadcrumb"},"inLanguage":"de","potentialAction":[{"@type":"ReadAction","target":["https:\/\/milad-gholampour.de\/"]}]},{"@type":"ImageObject","inLanguage":"de","@id":"https:\/\/milad-gholampour.de\/#primaryimage","url":"https:\/\/randomuser.me\/api\/portraits\/men\/56.jpg","contentUrl":"https:\/\/randomuser.me\/api\/portraits\/men\/56.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/milad-gholampour.de\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Start","item":"https:\/\/milad-gholampour.de\/"},{"@type":"ListItem","position":2,"name":"start"}]},{"@type":"WebSite","@id":"https:\/\/milad-gholampour.de\/#website","url":"https:\/\/milad-gholampour.de\/","name":"Milad Gholampour","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/milad-gholampour.de\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"de"}]}},"_links":{"self":[{"href":"https:\/\/milad-gholampour.de\/index.php?rest_route=\/wp\/v2\/pages\/7","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milad-gholampour.de\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/milad-gholampour.de\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/milad-gholampour.de\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milad-gholampour.de\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7"}],"version-history":[{"count":76,"href":"https:\/\/milad-gholampour.de\/index.php?rest_route=\/wp\/v2\/pages\/7\/revisions"}],"predecessor-version":[{"id":97,"href":"https:\/\/milad-gholampour.de\/index.php?rest_route=\/wp\/v2\/pages\/7\/revisions\/97"}],"wp:attachment":[{"href":"https:\/\/milad-gholampour.de\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}