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                <span class="eyebrow">THA·ONE · Liquidität für Selbstständige &amp; KMU</span>
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                    <span class="block ">Gewinn da.</span><span class="block ">Aber wo ist</span><span class="block gold">dein Geld?</span>                </h1>
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                                <div class="text-xs" style="color:var(--lx-dim)">einmalig · .xlsx · Einzelplatz</div>
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                <h2 class="mt-5">Mehr Komfort? Dasselbe als Online-Modul.</h2>
                <p class="lead mt-5">Module sind die digitalen Premium-Varianten: automatisch, in Echtzeit, von überall. Tool-Käufer erhalten 50 % Rabatt im ersten Jahr.</p>
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                                                        <a href="https://tha-one.com/liquiditaet" class="card hoverable lx-plaque " style="padding:22px;display:block;text-decoration:none">
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                        <div class="font-semibold text-lg mt-4" style="color:var(--lx-ink)">Liquiditäts-Modul</div>
                        <div class="text-sm" style="color:var(--lx-muted)">ab 29 € · pro Monat · 14 Tage gratis</div>
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                                                        <a href="https://tha-one.com/kalkulation" class="card hoverable lx-plaque acc-pricing" style="padding:22px;display:block;text-decoration:none">
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                        <div class="font-semibold text-lg mt-4" style="color:var(--lx-ink)">Kalkulations-Modul</div>
                        <div class="text-sm" style="color:var(--lx-muted)">ab 9 € · pro Monat · 14 Tage gratis</div>
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                <p class="lead mt-5">Dieselbe Logik wie im Excel – nur automatisch, in Echtzeit und von jedem Gerät. Mit Live-Ampel, Szenarien und Rücklagen-Planer.</p>
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                <img src="https://tha-one.com/img/people/marcel-holz-portrait.webp"
                     alt="Marcel Raimund Holz, Finanzexperte &amp; Buchautor"
                     class="rounded-2xl object-cover" style="width:160px;height:160px;object-position:50% 20%"
                     width="600" height="600" loading="lazy">
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                    <blockquote class="quote mt-4">
                        <span class="mark">„</span>Wer als Selbstständiger seine Liquidität nicht kennt, plant im Blindflug. THA·ONE macht in Minuten sichtbar, was sonst im Bauchgefühl verschwindet.<span class="mark">"</span>
                    </blockquote>
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                        <div class="font-bold text-base" style="color:var(--lx-ink)">Marcel Raimund Holz</div>
                        <div style="color:var(--lx-muted)">Finanzexperte &amp; Buchautor</div>
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        <section class="pad" id="faq">
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                <h2 class="mt-5">Gut zu wissen.</h2>
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                                    <details  open >
                        <summary>Was ist THA-ONE?<span class="pm"><svg width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round"><path d="M12 5v14M5 12h14"/></svg></span></summary>
                        <div class="ans">THA-ONE ist eine modulare Finanzplattform für Soloselbstständige, Berater, Coaches und Geschäftsführer kleiner und mittlerer Unternehmen (KMU). Jedes Thema gibt es als Tool (Excel zum Download) und als Modul (Online-Version im Abo).</div>
                    </details>
                                    <details >
                        <summary>Was ist der Unterschied zwischen Tool und Modul?<span class="pm"><svg width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round"><path d="M12 5v14M5 12h14"/></svg></span></summary>
                        <div class="ans">Ein Tool ist die Excel-Datei, die du einmalig kaufst und sofort ohne laufende Kosten nutzt. Ein Modul ist dieselbe Logik als Online-Version im Abo – automatisch, in Echtzeit und von überall. Tool-Käufer erhalten 50 % Rabatt im ersten Jahr des Moduls.</div>
                    </details>
                                    <details >
                        <summary>Für wen ist THA-ONE gemacht?<span class="pm"><svg width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round"><path d="M12 5v14M5 12h14"/></svg></span></summary>
                        <div class="ans">Für Einzelunternehmer, Freiberufler, Berater, Coaches und Geschäftsführer von kleinen und mittleren Unternehmen (KMU), die ihre Finanzen selbst im Griff behalten wollen – ohne Buchhaltungsstudium und ohne teure Software.</div>
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                                    <details >
                        <summary>Womit fange ich am besten an?<span class="pm"><svg width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round"><path d="M12 5v14M5 12h14"/></svg></span></summary>
                        <div class="ans">Am einfachsten mit einem Tool: einmal kaufen, Excel herunterladen, loslegen. Wenn du mehr Komfort möchtest, schaltest du jederzeit das passende Online-Modul dazu.</div>
                    </details>
                                    <details >
                        <summary>Ersetzt THA-ONE meinen Steuerberater?<span class="pm"><svg width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round"><path d="M12 5v14M5 12h14"/></svg></span></summary>
                        <div class="ans">Nein. THA-ONE ist eine Planungshilfe und keine Steuerberatung im Sinne des StBerG. Es macht deine Zahlen verständlich – die steuerliche Beratung bleibt bei deinem Steuerberater.</div>
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            <div class="card text-center" style="padding:clamp(40px,6vw,72px)">
                <span class="eyebrow justify-center">Liquiditätstool</span>
                <h2 class="mt-5">In 60 Sekunden Klarheit über deine Liquidität.</h2>
                <p class="lead mt-4 max-w-xl mx-auto">Einmalig 79 €. Excel-Käufer erhalten 50 % Rabatt im 1. Jahr der Online-Version.</p>
                <a href="https://tha-one.com/shop/excel_tha1_forecast" class="btn btn-gold mt-8" style="font-size:18px;padding:17px 34px">
                    Excel kaufen · 79 € <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M5 12h14M13 6l6 6-6 6"/></svg>
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