/* Prämienrechner — Schweizer Vergleich */
.kv-wrap {
  --kv-navy: var(--ink);
  --kv-navy-soft: rgba(14, 107, 92, 0.1);
  --kv-gold: var(--gold);
  --kv-border: var(--line);
  --kv-surface: var(--white);
  --kv-muted: var(--muted);
  --kv-danger: var(--danger);
  --kv-radius: var(--radius);
  --kv-shadow: var(--shadow-sm);
  max-width: 960px;
  margin: 0 auto;
  padding: 0 0 1rem;
}

.kv-wrap .kv-hero {
  margin-bottom: 1rem;
}

.kv-wrap .kv-hero h1 {
  margin: 0 0 0.35rem;
  font-size: clamp(1.65rem, 4.2vw, 2.45rem);
}

.kv-wrap .kv-hero-cta {
  margin: 0;
  font-size: 1rem;
  font-weight: 600;
  color: var(--kv-muted);
}

.kv-steps {
  display: flex;
  gap: 6px;
  margin-bottom: 1.1rem;
  flex-wrap: wrap;
}

.kv-steps .step-pill {
  flex: 1;
  min-width: 72px;
  text-align: center;
  font-size: 11px;
  font-weight: 700;
  padding: 10px 6px;
  border-radius: 999px;
  border: 1px solid var(--kv-border);
  background: var(--kv-surface);
  color: var(--kv-muted);
  font-family: inherit;
  cursor: default;
  transition: all 0.2s var(--ease);
}

.kv-steps .step-pill.on {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}

.kv-steps .step-pill.done {
  background: var(--kv-navy-soft);
  color: var(--accent-deep);
}

.kv-steps .step-pill.jump {
  cursor: pointer;
  color: var(--accent-deep);
}

.kv-steps .step-pill.jump:hover {
  border-color: var(--accent);
  background: var(--kv-navy-soft);
}

.kv-steps .step-pill.locked {
  opacity: 0.45;
  cursor: not-allowed;
}

.kv-panel {
  background: var(--kv-surface);
  border: 1px solid var(--kv-border);
  border-radius: var(--kv-radius);
  padding: 1.35rem 1.4rem;
  box-shadow: var(--kv-shadow);
  margin-bottom: 1rem;
}

.kv-panel h2 {
  margin: 0 0 1rem;
  font-size: 1.25rem;
  font-family: var(--font-display);
}

.kv-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 14px;
}

.kv-wrap label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 6px;
}

.kv-wrap input,
.kv-wrap select,
.kv-wrap textarea {
  width: 100%;
  border: 1px solid var(--kv-border);
  border-radius: 10px;
  padding: 12px;
  font-size: 15px;
  font-family: inherit;
  background: #fff;
}

.kv-wrap input:focus,
.kv-wrap select:focus,
.kv-wrap textarea:focus {
  outline: 2px solid rgba(14, 107, 92, 0.35);
  border-color: var(--accent);
}

.kv-btn {
  border: none;
  border-radius: 10px;
  padding: 12px 20px;
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  font-family: inherit;
  transition: transform 0.12s ease, box-shadow 0.12s;
}

.kv-btn:active {
  transform: scale(0.98);
}

.kv-btn:disabled {
  opacity: 0.45;
  cursor: not-allowed;
}

.kv-btn-primary {
  background: var(--accent);
  color: #fff;
}

.kv-btn-primary:hover {
  background: var(--accent-2);
}

.kv-btn-ghost {
  background: var(--paper-2);
  color: var(--ink);
}

.kv-btn-gold {
  background: linear-gradient(135deg, #c4a056, #9a7340);
  color: #1a1200;
}

.kv-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 1.15rem;
}

.kv-person {
  border: 1px solid var(--kv-border);
  border-radius: 14px;
  padding: 14px 16px;
  margin-bottom: 12px;
  background: linear-gradient(180deg, #fff 0%, #f7faf9 100%);
}

.kv-person-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
  gap: 8px;
}

.kv-person-head strong {
  font-size: 14px;
}

.kv-person-head button {
  border: none;
  background: transparent;
  color: var(--kv-muted);
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  text-decoration: underline;
  font-family: inherit;
}

.kv-person-body {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-end;
  gap: 12px 18px;
}

.kv-person-year {
  flex: 0 0 96px;
  width: 96px;
}

.kv-person-year label {
  display: block;
  font-size: 11px;
  font-weight: 600;
  color: var(--kv-muted);
  margin-bottom: 4px;
}

.kv-person-year input {
  width: 100%;
  padding: 7px 10px;
  font-size: 15px;
  height: 34px;
}

.kv-person-attrs {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-end;
  gap: 12px 20px;
  flex: 1;
  min-width: min(100%, 260px);
}

.kv-person-inline {
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.kv-person-inline .field-label {
  margin: 0;
  font-size: 11px;
  font-weight: 600;
  color: var(--kv-muted);
}

.chip-row.mini {
  display: inline-flex;
  gap: 5px;
  flex-wrap: wrap;
}

.chip-row.mini button {
  flex: 0 0 auto;
  min-width: 0;
  height: 34px;
  padding: 0 10px 0 7px;
  border-radius: 999px;
  border: 1px solid var(--kv-border);
  background: #fff;
  font-weight: 600;
  font-size: 12px;
  color: var(--ink-soft);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-family: inherit;
}

.chip-row.mini button::before {
  content: "";
  width: 15px;
  height: 15px;
  flex-shrink: 0;
  border: 2px solid #b8c2d4;
  border-radius: 50%;
  background: #fff;
}

.chip-row.mini button.on {
  border-color: var(--accent);
  background: var(--kv-navy-soft);
  color: var(--accent-deep);
}

.chip-row.mini button.on::before {
  border-color: var(--accent);
  border-width: 5px;
  box-shadow: 0 0 0 1px #fff;
}

.kv-health-row {
  border: 1px solid var(--kv-border);
  border-radius: 12px;
  padding: 16px;
  margin-bottom: 10px;
  background: #fff;
}

.kv-health-row .who {
  font-weight: 700;
  font-size: 14px;
  margin-bottom: 10px;
}

.kv-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  padding: 3px 8px;
  border-radius: 6px;
  background: var(--gold-soft);
  color: #7a5e00;
  margin-left: 8px;
}

.kv-toggle {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.kv-toggle button {
  flex: 1;
  min-width: 88px;
  padding: 12px 14px;
  border-radius: 10px;
  border: 1px solid var(--kv-border);
  background: #fff;
  font-weight: 600;
  font-size: 13px;
  cursor: pointer;
  font-family: inherit;
}

.kv-toggle button.on {
  border-color: var(--accent);
  background: var(--kv-navy-soft);
  color: var(--accent-deep);
  box-shadow: inset 0 0 0 1px var(--accent);
}

.kv-health-q {
  font-weight: 700;
  font-size: 15px;
  margin: 0 0 4px;
}

.kv-health-hint {
  font-size: 12px;
  color: var(--kv-muted);
  margin: 0 0 12px;
  line-height: 1.4;
}

.kv-err {
  color: var(--kv-danger);
  font-size: 13px;
  margin-top: 12px;
  font-weight: 600;
}

.kv-hidden {
  display: none !important;
}

.kv-results-head {
  text-align: center;
  margin-bottom: 1.25rem;
}

.kv-results-head h2 {
  font-size: 1.45rem;
  margin: 0 0 6px;
}

.kv-results-head p {
  margin: 0;
  color: var(--kv-muted);
  font-size: 15px;
}

.kv-offers {
  display: grid;
  gap: 16px;
}

@media (min-width: 760px) {
  .kv-offers {
    grid-template-columns: repeat(3, 1fr);
    align-items: stretch;
  }
}

.kv-offer {
  border: 2px solid var(--kv-border);
  border-radius: var(--kv-radius);
  padding: 20px;
  display: flex;
  flex-direction: column;
  background: #fff;
  position: relative;
  cursor: pointer;
  transition: border-color 0.2s, box-shadow 0.2s, transform 0.15s;
  user-select: none;
}

.kv-offer:hover {
  transform: translateY(-2px);
  box-shadow: var(--kv-shadow);
}

.kv-offer.star {
  border-color: rgba(14, 107, 92, 0.35);
}

.kv-offer.selected {
  border-color: var(--accent);
  box-shadow: 0 16px 40px rgba(14, 107, 92, 0.16);
}

.kv-offer .pick-radio {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 2px solid var(--kv-border);
  background: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
}

.kv-offer.selected .pick-radio {
  border-color: var(--accent);
  background: var(--accent);
  color: #fff;
  font-size: 12px;
  font-weight: 800;
}

.kv-offer .empfehlung {
  position: absolute;
  top: 14px;
  left: 14px;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--kv-gold);
  background: var(--gold-soft);
  padding: 4px 8px;
  border-radius: 6px;
}

.kv-offer.star .num {
  margin-top: 22px;
}

.kv-choice-hint {
  text-align: center;
  color: var(--kv-muted);
  font-size: 14px;
  margin: 0 0 1rem;
}

#kv-chosen-summary {
  text-align: center;
  font-weight: 700;
  color: var(--accent-deep);
  margin-bottom: 16px;
  padding: 12px;
  background: var(--kv-navy-soft);
  border-radius: 12px;
  font-size: 14px;
}

.kv-offer .num {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--kv-muted);
  margin-bottom: 6px;
}

.kv-offer.star .num {
  color: var(--kv-gold);
}

.kv-offer h3 {
  margin: 0 0 8px;
  font-size: 1.05rem;
  line-height: 1.3;
  font-family: var(--font-display);
}

.kv-offer .pitch {
  margin: 0 0 14px;
  font-size: 13px;
  color: var(--kv-muted);
  line-height: 1.45;
}

.kv-offer .highlights {
  margin: 0 0 16px;
  padding: 0;
  list-style: none;
  flex: 1;
}

.kv-offer .highlights li {
  font-size: 13px;
  padding: 6px 0 6px 22px;
  position: relative;
  border-bottom: 1px solid #eef2f0;
}

.kv-offer .highlights li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 11px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--accent);
}

.kv-offer.star .highlights li::before {
  background: var(--kv-gold);
}

.kv-offer .price-box {
  background: var(--kv-navy-soft);
  border-radius: 12px;
  padding: 14px;
  margin-top: auto;
}

.kv-offer.star .price-box {
  background: linear-gradient(135deg, var(--accent-deep), var(--accent));
  color: #fff;
}

.kv-offer .total {
  font-size: 1.85rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1;
}

.kv-offer .total span {
  font-size: 12px;
  font-weight: 600;
  opacity: 0.75;
}

.kv-offer .split {
  margin-top: 10px;
  font-size: 12px;
  opacity: 0.85;
}

.kv-offer .split div {
  display: flex;
  justify-content: space-between;
  padding: 2px 0;
}

.kv-offer-desktop {
  display: flex;
  flex-direction: column;
  flex: 1;
  min-height: 0;
}

.kv-offer-mobile {
  display: none;
}

.kv-cta {
  margin-top: 1.5rem;
  border-radius: var(--kv-radius);
  padding: 1.5rem;
  background: linear-gradient(145deg, var(--ink), var(--ink-2));
  color: #fff;
}

.kv-cta h2 {
  margin: 0 0 6px;
  font-size: 1.25rem;
  color: #fff;
  font-family: var(--font-display);
}

.kv-cta .sub {
  margin: 0 0 1rem;
  opacity: 0.88;
  font-size: 14px;
}

.kv-cta label {
  color: #c8d4e8;
}

.kv-cta input,
.kv-cta textarea {
  border: none;
}

.kv-cta-actions {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 16px;
}

.kv-cta-actions .kv-btn {
  width: 100%;
  text-align: center;
}

.kv-cta-ok {
  color: #86efac;
  font-weight: 600;
  margin-top: 10px;
}

.kv-spinner {
  display: inline-block;
  width: 16px;
  height: 16px;
  border: 2px solid rgba(255, 255, 255, 0.3);
  border-top-color: #fff;
  border-radius: 50%;
  animation: kv-spin 0.6s linear infinite;
  vertical-align: -3px;
  margin-right: 6px;
}

@keyframes kv-spin {
  to {
    transform: rotate(360deg);
  }
}

.kv-seo {
  margin-top: 2rem;
}

.kv-seo .seo-block {
  margin: 0 0 1rem;
  padding: 1.1rem 1.25rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--muted);
}

.kv-seo .seo-block h2 {
  margin: 0 0 0.65rem;
  font-size: 1.15rem;
  color: var(--ink);
}

.kv-seo .seo-block h3 {
  margin: 1.1rem 0 0.45rem;
  font-size: 1rem;
  color: var(--ink);
}

.kv-seo .seo-block p {
  margin: 0 0 0.75rem;
}

.kv-seo .seo-block a {
  font-weight: 600;
}

.kv-faq details {
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 12px 14px;
  margin-bottom: 8px;
  background: #fff;
  font-size: 14px;
}

.kv-faq summary {
  cursor: pointer;
  font-weight: 600;
  color: var(--ink);
}

.kv-faq details p {
  margin: 10px 0 0;
  color: var(--muted);
}

@media (max-width: 759px) {
  .kv-wrap input,
  .kv-wrap select,
  .kv-wrap textarea {
    font-size: 16px;
  }

  .kv-btn {
    min-height: 44px;
  }

  .kv-steps .step-pill {
    min-height: 40px;
  }

  .kv-offers {
    gap: 10px;
  }

  .choice-hint-mobile {
    display: block;
  }

  .choice-hint-desktop {
    display: none;
  }

  .kv-offer {
    padding: 0;
    overflow: hidden;
    -webkit-tap-highlight-color: transparent;
    touch-action: manipulation;
  }

  .kv-offer-desktop {
    display: none !important;
  }

  .kv-offer-mobile {
    display: block;
  }

  .kv-offer .pick-radio {
    top: 10px;
    right: 10px;
    width: 26px;
    height: 26px;
    z-index: 2;
  }

  .kv-offer .empfehlung {
    top: 10px;
    left: 10px;
    font-size: 9px;
    padding: 3px 6px;
    z-index: 2;
    max-width: calc(100% - 56px);
  }

  .offer-m-compact {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 14px 44px 14px 14px;
    min-height: 52px;
  }

  .kv-offer.selected .offer-m-compact {
    display: none;
  }

  .kv-offer.selected .offer-m-expanded {
    padding: 14px;
  }

  .offer-m-compact .offer-m-price {
    font-size: 1.5rem;
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--accent-deep);
    line-height: 1;
  }

  .offer-m-compact .offer-m-unit {
    font-size: 12px;
    font-weight: 600;
    color: var(--kv-muted);
    margin-left: 4px;
  }

  .offer-m-compact .offer-m-nr {
    font-size: 11px;
    font-weight: 700;
    color: var(--kv-muted);
    text-transform: uppercase;
    letter-spacing: 0.06em;
  }

  .offer-m-expanded {
    display: none;
    padding: 0 14px 16px;
  }

  .kv-offer.selected .offer-m-expanded {
    display: block;
  }

  .offer-m-head {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 10px;
    margin-bottom: 12px;
    padding-top: 8px;
    padding-right: 44px;
  }

  .kv-offer.star.selected .offer-m-head {
    padding-top: 34px;
  }

  .offer-m-head h3 {
    margin: 0;
    font-size: 1rem;
    line-height: 1.25;
    flex: 1;
    min-width: 0;
    font-weight: 800;
    padding-right: 8px;
  }

  .offer-m-head-price {
    font-size: 1.35rem;
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--accent-deep);
    white-space: nowrap;
    line-height: 1.15;
    text-align: right;
    flex-shrink: 0;
  }

  .offer-m-head-price span {
    display: block;
    font-size: 10px;
    font-weight: 600;
    color: var(--kv-muted);
  }

  .kv-offer-mobile .pitch {
    margin: 0 0 12px;
    font-size: 13px;
    color: var(--kv-muted);
  }

  .kv-offer-mobile .highlights {
    margin: 0 0 12px;
    padding: 0;
    list-style: none;
  }

  .kv-offer-mobile .highlights li {
    font-size: 13px;
    padding: 6px 0 6px 20px;
    position: relative;
    border-bottom: 1px solid #eef2f0;
  }

  .kv-offer-mobile .highlights li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 11px;
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: var(--accent);
  }

  .kv-offer-mobile .split {
    background: var(--kv-navy-soft);
    border-radius: 10px;
    padding: 10px 12px;
    font-size: 12px;
  }

  .kv-offer-mobile .split div {
    display: flex;
    justify-content: space-between;
    padding: 3px 0;
  }
}

@media (min-width: 760px) {
  .choice-hint-mobile {
    display: none;
  }

  .choice-hint-desktop {
    display: inline;
  }
}