.pkv-guide-page .pagesection>.callout,.pkv-guide-page .pagesection>.card,.pkv-guide-page .pagesection>.pg-cmp,.pkv-guide-page .pagesection>.pg-steps,.pkv-guide-page .pagesection>.row,.pkv-guide-page .pagesection>.section-head+.row{margin-top:1.5rem}.pkv-guide-page .pagesection ul:not(.check-list):not(.pg-steps){line-height:1.6}.pkv-guide-page #benefits>.row .card.pkv-benefit-card{background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--card-radius);box-shadow:var(--shadow-sm);display:flex;flex-direction:column;height:100%;min-height:0;overflow:hidden;padding:0}.pkv-benefit-card__img{display:block;height:100%;min-height:0;object-fit:cover;width:100%}.pkv-benefit-card__media{aspect-ratio:16/9;background:var(--color-bg-soft);flex:0 0 auto;overflow:hidden}.pkv-benefit-card__media .pkv-benefit-card__img{height:100%;min-height:0;width:100%}.pkv-benefit-card__img--outpatient{transform:scale(1.4)}.pkv-benefit-card__body{display:flex;flex:1 1 auto;flex-direction:column;gap:.55rem;padding:1.15rem 1.25rem 1.3rem}.pkv-benefit-card .card__title{color:var(--color-heading);font-size:var(--fs-lg);line-height:1.25;margin:0}.pkv-benefit-card p:not(.card__title){color:var(--color-text);font-size:var(--fs-sm);line-height:1.5;margin:0}.pkv-guide-page #benefits>.row>:last-child{grid-column:auto}.pkv-ai-credit{color:var(--color-text-muted);font-size:var(--fs-xs);margin:.65rem 0 0;text-align:right}.pkv-stage+.pkv-stage{border-top:1px solid var(--color-border);margin-top:1rem;padding-top:2.5rem}.pkv-stage--action,.pkv-stage--decision,.pkv-stage--fit{padding-bottom:.5rem}.pkv-guide-page .pkv-stage--action>#neodirect{padding-top:clamp(2rem,4vw,3.5rem)}.pkv-protection-outcomes>[class*=col-]{align-items:flex-start;display:flex}.pkv-protection-outcome{display:flex;flex-direction:column;width:100%}.pkv-protection-outcome .eyebrow{margin:0}.pkv-protection-outcome--featured{background:var(--color-bg-soft);border-color:color-mix(in srgb,var(--color-primary) 38%,var(--color-border));padding:clamp(1.5rem,3vw,2.25rem)}.pkv-protection-outcome--featured .card__title{font-size:var(--fs-h3)}.pkv-protection-outcome ul{color:var(--color-text-muted);display:grid;font-size:var(--fs-sm);gap:.35rem;line-height:1.5;margin:.25rem 0 0;padding-left:1.1rem}.pkv-decision-questions{display:grid;gap:clamp(1rem,2vw,1.5rem);grid-template-columns:repeat(3,minmax(0,1fr));margin-top:.75rem}.pkv-decision-questions__label{margin:1.75rem 0 0}.pkv-decision-question{display:flex;flex-direction:column;gap:.7rem;height:100%;min-width:0;padding:clamp(1.25rem,2vw,1.75rem)}.pkv-decision-question__icon{color:var(--color-primary);display:grid;height:2.5rem;margin-bottom:.25rem;place-items:center;width:2.5rem}.pkv-decision-question__icon svg{height:100%;width:100%}.pkv-decision-question .card__title,.pkv-decision-question .eyebrow{margin:0}.pkv-decision-question>p:last-child{color:var(--color-text-muted);margin:0}.pkv-decision-result{align-items:baseline;border-top:1px solid color-mix(in srgb,var(--color-primary) 34%,var(--color-border));display:flex;gap:.85rem;margin-top:1.75rem;padding:1rem 0 .8rem}.pkv-decision-result .eyebrow{margin:0}.pkv-decision-result h3{font-size:var(--fs-lg);margin:0}.pkv-decision-map__fork,.pkv-decision-map__outcomes{align-items:start;display:grid;gap:1rem;margin-top:.5rem;position:relative}.pkv-decision-map__outcomes{align-items:stretch;grid-template-columns:repeat(2,minmax(0,1fr))}.pkv-decision-map__fork{grid-template-columns:repeat(2,minmax(0,1fr));padding-top:1.5rem}.pkv-decision-map__fork:before{height:1px;left:25%;right:25%;top:0}.pkv-decision-map__fork:after,.pkv-decision-map__fork:before{background:color-mix(in srgb,var(--color-primary) 38%,var(--color-border));content:"";position:absolute}.pkv-decision-map__fork:after{height:1.5rem;left:50%;top:-1.5rem;width:1px}.pkv-decision-map__path{position:relative}.pkv-decision-map__fork .pkv-decision-map__path:before{background:color-mix(in srgb,var(--color-primary) 38%,var(--color-border));content:"";height:1.5rem;left:50%;position:absolute;top:-1.5rem;width:1px}.pkv-decision-map__route{counter-reset:path-step;display:grid;gap:.65rem;list-style:none;margin:1rem 0 0;padding:0;position:relative}.pkv-decision-map__route li{align-items:start;color:var(--color-text);counter-increment:path-step;display:grid;font-size:var(--fs-sm);gap:.65rem;grid-template-columns:1.5rem minmax(0,1fr);line-height:1.45}.pkv-decision-map__route li:before{border:1px solid var(--color-border);border-radius:50%;color:var(--color-primary);content:counter(path-step);display:grid;font-size:.7rem;font-weight:700;height:1.5rem;place-items:center;width:1.5rem}.pkv-decision-map__note{color:var(--color-text);font-weight:600;margin:1.5rem auto 0;max-width:54rem;text-align:center}.pkv-zukunftsuhr{margin:1.25rem 0 1.5rem;overflow:hidden;width:100%}.pkv-zukunftsuhr iframe{border:0;display:block;height:clamp(22rem,42vw,34rem);width:100%}details.card.pkv-mobile-nav{display:none;margin-bottom:1.5rem}.pkv-mobile-nav summary{color:var(--color-heading);cursor:pointer;font-family:var(--font-heading);font-weight:700;list-style-position:outside}.pkv-mobile-nav nav{display:grid;gap:.2rem;margin-top:1rem}.pkv-mobile-nav a{color:var(--color-text-muted);font-size:var(--fs-sm);line-height:1.35;padding:.35rem 0}.pkv-mobile-nav a:focus-visible,.pkv-mobile-nav summary:focus-visible{outline:2px solid var(--color-primary);outline-offset:3px}.pkv-guide-page .pg-finenote{max-width:48rem}#neodirect .neodirect-process{gap:1rem;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:2rem}#neodirect .neodirect-process__item{align-items:start;display:grid;gap:1rem;grid-template-columns:3rem minmax(0,1fr);min-height:0;padding:1.35rem}#neodirect .neodirect-process__number{background:var(--color-secondary);border-radius:var(--radius-sm);color:var(--color-on-secondary);display:grid;font-family:var(--font-heading);font-size:var(--fs-sm);font-weight:700;height:3rem;letter-spacing:.04em;line-height:1;place-items:center;width:3rem}#neodirect .neodirect-process__item .pg-step__body{gap:.45rem}#neodirect .neodirect-process__item .pg-step__num{font-size:.78rem;letter-spacing:.1em}#neodirect .neodirect-process__item .pg-step__body>span:last-child{color:var(--color-text);font-size:var(--fs-sm);line-height:1.55}#neodirect .neodirect-process__item--final{align-items:center;grid-column:1/-1}#neodirect .neodirect-process__item--final .neodirect-process__number{background:var(--color-primary);color:var(--color-on-primary)}#neodirect .neodirect-process__item--final .pg-step__num{color:var(--color-primary)}#neodirect .neodirect-process__item--final .pg-step__body>span:last-child{color:hsla(0,0%,100%,.88);font-size:var(--fs-base)}#neodirect .neodirect-principle{margin:1.5rem 0 2rem}#neodirect .neodirect-principle__statement{color:var(--color-heading);font-family:var(--font-heading);font-size:clamp(1.15rem,1.8vw,1.45rem);font-weight:700;line-height:1.3;margin:0}#neodirect .neodirect-trust{margin-top:1.5rem}#neodirect .neodirect-trust h3{font-size:var(--fs-lg);margin:0 0 .45rem}#neodirect .neodirect-trust p{margin:0}#switching .pkv-switching-warning{margin-top:1.75rem}#switching .pkv-switching-warning h3{font-size:var(--fs-lg);margin:0 0 .45rem}#switching .pkv-switching-warning p{margin:0}#switching .pkv-switching-warning p+p{margin-top:.65rem}.pkv-guide-page .pkv-new-section{border-top:1px solid var(--color-border);padding-top:clamp(2rem,4vw,3rem)}.pkv-guide-page .pkv-section-band{border:1px solid transparent;border-radius:var(--card-radius);margin-left:clamp(-1.5rem,-3vw,-1rem);margin-right:clamp(-1.5rem,-3vw,-1rem);padding:clamp(1.5rem,3vw,2.5rem)}.pkv-guide-page .pkv-section-band--soft{background:var(--color-bg-soft)}.pkv-guide-page .pkv-section-band--dark{background:var(--color-secondary);border-color:transparent;color:var(--color-on-secondary);overflow:hidden;position:relative}.pkv-guide-page .pkv-section-band--dark .pkv-family-check__body,.pkv-guide-page .pkv-section-band--dark .section-head{position:relative;z-index:1}.pkv-guide-page .pkv-section-band--dark .section-head h2{color:var(--color-on-secondary)}.pkv-guide-page .pkv-section-band--dark .section-head p:not(.eyebrow){color:hsla(0,0%,100%,.78)}.pkv-guide-page .pg-cta--final{margin-bottom:clamp(2rem,5vw,4rem);margin-top:clamp(2rem,5vw,4rem);padding:clamp(2rem,5vw,4rem)}.pkv-guide-page .pg-cta--final .pg-cta__lede{max-width:42rem}.pkv-guide-page .pg-cta--final .pg-cta__lede+.pg-cta__lede{margin-top:.75rem}.pkv-guide-page .pg-cta--final .pg-cta__trust{color:hsla(0,0%,100%,.78);font-size:var(--fs-sm);line-height:1.5;margin:1rem 0 0;max-width:42rem}.pkv-guide-page .pg-cta--final .btn--secondary-outline{border-color:hsla(0,0%,100%,.72);color:var(--color-on-secondary)}.pkv-guide-page .pg-cta--final .btn--secondary-outline:hover{background:hsla(0,0%,100%,.12);border-color:var(--color-on-secondary);color:var(--color-on-secondary)}.pkv-guide-page .pkv-section-band--warm{background:color-mix(in srgb,var(--color-primary) 4%,var(--color-bg));border-color:color-mix(in srgb,var(--color-primary) 14%,var(--color-border))}.pkv-guide-page .pkv-section-band--cool{background:color-mix(in srgb,var(--color-secondary) 4%,var(--color-bg));border-color:color-mix(in srgb,var(--color-secondary) 12%,var(--color-border))}.pkv-guide-page .pkv-section-band .section-head{margin-top:0}.pkv-guide-page .pkv-section-band>:last-child{margin-bottom:0}.pkv-guide-page .pkv-section--model>.row{--grid-gutter:14px}.pkv-guide-page .pkv-section--model>.row .card{border-top:3px solid var(--color-secondary)}.pkv-guide-page .pkv-family-scenarios,.pkv-guide-page .pkv-fit-cards{margin-top:1.5rem}.pkv-family-scenarios>[class*=col-],.pkv-fit-cards>[class*=col-]{display:flex}.pkv-family-scenarios .card,.pkv-fit-cards .card{width:100%}.pkv-fit-cards ul{color:var(--color-text-muted);display:grid;font-size:var(--fs-sm);gap:.45rem;line-height:1.5;margin:.85rem 0 0;padding-left:1.15rem}.pkv-decision-guardrail{font-size:var(--fs-base);margin-top:1.5rem}.pkv-guide-page .pkv-decision-transition{border-color:color-mix(in srgb,var(--color-primary) 38%,var(--color-border));margin-top:1.5rem}.pkv-guide-page .pkv-decision-transition h3{font-size:var(--fs-lg);margin:0 0 .4rem}.pkv-guide-page .pkv-decision-transition p{font-weight:700;margin:0}.pkv-india-context{border-left:4px solid var(--color-primary);margin-top:1.5rem}.pkv-ask{margin-top:1.5rem}.pkv-ask p:last-child{margin-bottom:0}.pkv-warning-card .card__title{color:var(--color-on-secondary)}.pkv-warning-card p:not(.eyebrow){color:hsla(0,0%,100%,.84)}.pkv-family-check .check-list{margin-bottom:1.5rem}.pkv-family-check .callout{margin-bottom:0}.card.pkv-family-check{background:var(--color-bg-soft);border-color:color-mix(in srgb,var(--color-primary) 38%,var(--color-border));margin-top:1.5rem}.pkv-family-check__body{max-width:52rem;position:relative}.pkv-family-check__body .check-list{max-width:38rem}.pkv-section-band--dark .pkv-family-check__body .check-list li{color:hsla(0,0%,100%,.88)}.pkv-section-band--dark .pkv-family-check__body .check-list li:before{background:var(--color-primary);border-radius:50%;content:"";flex:0 0 .45rem;height:.45rem;margin-top:.45rem;width:.45rem}.pkv-family-check__shield{height:auto;opacity:.24;position:absolute;right:0;top:0;width:clamp(12rem,24vw,18rem);z-index:-1}.pkv-family-check__takeaway{border-top:1px solid hsla(0,0%,100%,.18);margin-top:1.5rem;padding-top:1rem}.pkv-family-check__takeaway p{color:var(--color-on-secondary);font-family:var(--font-heading);font-size:var(--fs-lg);line-height:1.35;margin:0}.pkv-family-question{border-left:4px solid var(--color-primary);margin-top:1.5rem}.pkv-return-principle{margin:1.5rem 0}.pkv-return-principle h3{font-size:var(--fs-lg);margin:0 0 .45rem}.pkv-return-principle p{margin:0}.pkv-return-principle p+p{margin-top:.65rem}.pkv-return-factors{display:grid;gap:1rem;grid-template-columns:repeat(2,minmax(0,1fr));margin:1.5rem 0}.pkv-return-factor{box-sizing:border-box;height:100%}.pkv-return-factor .eyebrow{margin:0}.pkv-return-factor p:not(.eyebrow):not(.card__title){color:var(--color-text-muted);font-size:var(--fs-sm);line-height:1.55;margin:0}.pkv-return-age,.pkv-return-takeaway{margin:1.5rem 0}.pkv-return-age h3,.pkv-return-takeaway h3{font-size:var(--fs-lg);margin:0 0 .45rem}.pkv-return-age p,.pkv-return-takeaway p{margin:0}.pkv-return-age p+p,.pkv-return-takeaway p+p{margin-top:.65rem}.pkv-family-legal h3,.pkv-family-question h3,.pkv-family-takeaway h3{font-size:var(--fs-lg);margin:0 0 .45rem}.pkv-family-legal p,.pkv-family-question p,.pkv-family-takeaway p{margin:0}.pkv-family-legal p+p,.pkv-family-question p+p,.pkv-family-takeaway p+p{margin-top:.65rem}.pkv-household-scenarios{display:grid;gap:1rem;grid-template-columns:repeat(3,minmax(0,1fr));margin:1.5rem 0 2.25rem;position:relative}.pkv-household-scenarios:before{border-top:1px solid color-mix(in srgb,var(--color-primary) 42%,var(--color-border));content:"";left:16.66%;position:absolute;right:16.66%;top:2.5rem}.pkv-household-scenario{align-items:center;background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--card-radius);display:flex;flex-direction:column;gap:.35rem;padding:1rem;position:relative;text-align:center;z-index:1}.pkv-household-scenario .eyebrow{margin:0}.pkv-household-scenario strong{color:var(--color-heading);font-family:var(--font-heading);font-size:var(--fs-lg);line-height:1.2}.pkv-family-subheading{color:var(--color-heading);font-size:var(--fs-h3);margin:2.25rem 0 0}.pkv-family-legal,.pkv-family-planning{margin-top:1.5rem}.pkv-family-planning>[class*=col-]{display:flex}.pkv-family-planning .card{display:flex;flex-direction:column;gap:.6rem;height:100%;width:100%}.pkv-family-planning .card .eyebrow,.pkv-family-planning .card p,.pkv-family-planning .card__title{margin:0}.pkv-family-planning .card p+p{margin-top:.15rem}.pkv-family-takeaway{border-left:4px solid var(--color-primary);margin-top:1.5rem}.pkv-coverage-areas{align-items:stretch;margin-top:1.5rem}.pkv-coverage-areas>[class*=col-]{display:flex}.pkv-coverage-card{display:flex;flex-direction:column;gap:.6rem;height:100%;width:100%}.pkv-coverage-card .card__title,.pkv-coverage-card .eyebrow{margin:0}.pkv-coverage-card .check-list{color:var(--color-text-muted);display:grid;font-size:var(--fs-sm);gap:.35rem;line-height:1.45;margin:0;padding-left:1.15rem}.pkv-coverage-card>p{margin:0}.pkv-coverage-card>p:last-child{margin-top:auto}.pkv-coverage-callout{margin-top:1.5rem}.pkv-coverage-callout .eyebrow{margin-bottom:.45rem}.pkv-coverage-callout h3{font-size:var(--fs-lg);margin:0 0 .45rem}.pkv-coverage-callout p:last-child{margin-bottom:0}.pkv-parental-planning{flex-direction:column;margin:1.5rem 0}.pkv-parental-planning p{max-width:62rem}@media (max-width:860px){details.card.pkv-mobile-nav{display:block}.pkv-guide-page .guide-sidebar{display:none}.pkv-zukunftsuhr iframe{height:clamp(23rem,92vw,31rem)}}@media (max-width:700px){.pkv-guide-page .pg-cta--final .pg-cta__actions{align-items:stretch;flex-direction:column}.pkv-guide-page .pg-cta--final .pg-cta__actions .btn{width:100%}.pkv-decision-questions{gap:.85rem;grid-template-columns:1fr}.pkv-decision-question{min-height:0}.pkv-decision-result{display:block;margin-top:1.5rem}.pkv-decision-result h3{margin-top:.35rem}.pkv-decision-map__fork{grid-template-columns:1fr;padding-top:0}.pkv-decision-map__fork .pkv-decision-map__path:before,.pkv-decision-map__fork:after,.pkv-decision-map__fork:before{display:none}#neodirect .neodirect-process{gap:.85rem;grid-template-columns:1fr}#neodirect .neodirect-process__item--final{grid-column:auto}#neodirect .neodirect-process__item{min-height:0;padding:1.1rem 1.15rem}.pkv-decision-map__card{gap:.8rem}}@media (max-width:520px){.pkv-decision-map__outcomes{grid-template-columns:1fr}}@media (prefers-reduced-motion:reduce){.pkv-mobile-nav a{transition:none}}.pkv-guide-page .pkv-process-flow{display:grid;gap:0;grid-template-columns:repeat(5,minmax(0,1fr));list-style:none;margin:2.5rem auto 0;max-width:66rem;padding:0;position:relative}.card.pkv-process-flow__step{align-items:center;background:transparent;border:0;border-radius:0;box-shadow:none;display:flex;flex-direction:column;min-width:0;padding:0 clamp(.75rem,1.6vw,1.25rem) 1.25rem;position:relative;text-align:center}.card.pkv-process-flow__step:not(:last-child):after{border-top:1px solid color-mix(in srgb,var(--color-primary) 42%,var(--color-border));content:"";left:calc(50% + 2rem);position:absolute;top:1.6rem;width:calc(100% - 4rem)}.pkv-process-flow__step .card__icon.pkv-process-flow__icon{background:var(--color-secondary);border:1px solid color-mix(in srgb,var(--color-secondary) 72%,var(--color-bg));border-radius:50%;box-shadow:0 0 0 .4rem var(--color-bg);color:var(--color-on-secondary);display:grid;height:3.2rem;margin-bottom:1rem;place-items:center;width:3.2rem}.pkv-process-flow__step .card__icon.pkv-process-flow__icon svg{height:1.45rem;width:1.45rem}.card.pkv-process-flow__step strong{color:var(--color-heading);font-family:var(--font-heading);font-size:var(--fs-base);line-height:1.3}.card.pkv-process-flow__step>span:last-child{color:var(--color-text-muted);font-size:.84rem;line-height:1.5;margin-top:.55rem}.pkv-india-bridge{--pkv-india-gap:clamp(8rem,10vw,11rem);align-items:stretch;display:grid;gap:var(--pkv-india-gap);grid-template-columns:repeat(2,minmax(0,1fr));margin-top:1.5rem;position:relative}.pkv-india-bridge__side{display:flex;flex-direction:column;justify-content:center;margin:0;min-height:10rem}.pkv-india-bridge__side .eyebrow{margin:0 0 .45rem}.pkv-india-bridge__side p:last-child{margin-bottom:0}.pkv-india-bridge__side--accent{background:var(--color-bg-soft);border-color:color-mix(in srgb,var(--color-primary) 38%,var(--color-border))}.pkv-india-bridge__connector{display:grid;height:1px;left:50%;place-items:center;position:absolute;top:50%;transform:translate(-50%,-50%);width:var(--pkv-india-gap);z-index:1}.pkv-india-bridge__connector:after,.pkv-india-bridge__connector:before{border-top:1px solid var(--color-primary);content:"";position:absolute;top:50%;width:calc(50% - 2.8rem)}.pkv-india-bridge__connector:before{left:0}.pkv-india-bridge__connector:after{right:0}.pkv-india-bridge__connector span{background:var(--color-bg-soft);color:var(--color-primary);font-family:var(--font-heading);font-size:.62rem;font-weight:700;letter-spacing:.06em;line-height:1.2;padding:.2rem .35rem;position:relative;text-align:center;text-transform:uppercase;white-space:nowrap;z-index:1}.pkv-guide-page .pkv-india-takeaway{border-color:color-mix(in srgb,var(--color-secondary) 38%,var(--color-border));margin-top:1.5rem;padding:clamp(1.35rem,2.5vw,2rem)}.pkv-guide-page .pkv-india-takeaway .eyebrow{margin:0 0 .45rem}.pkv-guide-page .pkv-india-takeaway h3{font-size:var(--fs-lg);margin:0 0 .6rem}.pkv-guide-page .pkv-india-takeaway p:last-child{margin-bottom:0}.pkv-life-journey{display:grid;gap:2rem clamp(1rem,2vw,1.5rem);grid-template-columns:repeat(4,minmax(0,1fr));list-style:none;margin:2.5rem auto 2rem;max-width:66rem;padding:0;position:relative}.pkv-life-journey__item{background:transparent;min-width:0;padding:0 .5rem .5rem;position:relative;z-index:1}.pkv-life-journey__item:not(:nth-child(4n)):after{border-top:1px solid color-mix(in srgb,var(--color-primary) 34%,var(--color-border));content:"";left:calc(50% + 1.9rem);position:absolute;top:1.5rem;width:calc(100% + clamp(1rem, 2vw, 1.5rem) - 3.8rem)}.pkv-life-journey .card__icon.pkv-life-journey__marker{border-radius:50%;box-shadow:0 0 0 .35rem color-mix(in srgb,var(--color-primary) 4%,var(--color-bg));display:grid;font-family:var(--font-heading);font-size:.72rem;font-weight:700;height:3rem;margin:0 auto 1rem;place-items:center;width:3rem}.pkv-life-journey__marker svg{fill:none;height:1.35rem;stroke:currentColor;stroke-linecap:round;stroke-linejoin:round;stroke-width:1.7;width:1.35rem}.pkv-life-journey__item h3{color:var(--color-heading);font-family:var(--font-heading);font-size:var(--fs-base);line-height:1.3;margin:0;text-align:center}.pkv-life-journey__item p{color:var(--color-text-muted);font-size:.84rem;line-height:1.5;margin:.55rem 0 0;text-align:center}.card.pkv-scenario{border-top:1px solid var(--color-secondary);display:flex;flex-direction:column;gap:.4rem;height:100%;padding:clamp(1.2rem,2vw,1.65rem);position:relative}.card.pkv-scenario:before{border-top:3px solid var(--color-primary);content:"";left:clamp(1.2rem,2vw,1.65rem);position:absolute;top:-1px;width:3rem}.pkv-scenario .card__title{font-size:var(--fs-lg);margin-bottom:.35rem}.pkv-scenario__relationship{border-bottom:1px solid var(--color-border);display:grid;justify-items:center;min-height:7rem;padding:.15rem 0 .55rem}.pkv-scenario__parents{align-items:center;display:flex;gap:.7rem;justify-content:center}.pkv-scenario__child,.pkv-scenario__person{color:var(--color-secondary);display:grid;font-family:var(--font-heading);font-size:.72rem;justify-items:center;line-height:1}.pkv-scenario__child svg,.pkv-scenario__person svg{fill:none;height:2rem;margin-bottom:.25rem;stroke:currentColor;stroke-linecap:round;stroke-linejoin:round;stroke-width:1.7;width:2rem}.pkv-scenario__plus{color:var(--color-text-muted);font-weight:700}.pkv-scenario__connector{background:var(--color-primary);height:1.25rem;margin:.35rem 0;position:relative;width:1px}.pkv-scenario__connector:after{border-bottom:1px solid var(--color-primary);border-right:1px solid var(--color-primary);bottom:0;content:"";height:.4rem;left:50%;position:absolute;transform:translate(-50%) rotate(45deg);width:.4rem}.pkv-scenario__child{color:var(--color-primary)}.pkv-scenario__child svg{height:1.75rem;width:1.75rem}.pkv-scenario__label{color:var(--color-text-muted);font-size:.68rem;font-weight:700;letter-spacing:.1em;margin:.4rem 0 0;text-transform:uppercase}.pkv-scenario__value{font-family:var(--font-heading);line-height:1.35;margin:0}.pkv-scenario__note,.pkv-scenario__value{color:var(--color-heading);font-weight:700}.pkv-scenario__note{border-left:1px solid var(--color-primary);font-size:var(--fs-sm);line-height:1.4;margin:.8rem 0 .35rem;padding:.7rem 0 .7rem .85rem}.pkv-scenario__detail{border-top:1px solid var(--color-border);color:var(--color-text-muted);font-size:.78rem;line-height:1.5;margin-top:.15rem;padding-top:.6rem}.pkv-cost-compare{align-items:stretch;display:grid;gap:clamp(1rem,2vw,1.5rem);grid-template-columns:minmax(0,1fr) 4.5rem minmax(0,1fr);margin:2.5rem auto 0;max-width:66rem}.card.pkv-cost-compare__panel{background:transparent;border:0;box-shadow:none;display:flex;flex-direction:column;margin:0;padding:clamp(1.25rem,2.4vw,2rem)}.pkv-cost-compare__panel--accent{background:transparent;border-color:transparent}.pkv-cost-compare__panel .eyebrow{margin:0 0 .5rem}.pkv-cost-compare__panel ol.visually-hidden{display:grid;gap:0;list-style:none;margin:0;padding:0}.pkv-money-flow{align-items:center;display:grid;margin-top:1.4rem}.pkv-money-flow--working{gap:.4rem;grid-template-columns:minmax(0,1fr) .8rem 7.5rem .8rem minmax(0,1fr)}.pkv-money-flow__change,.pkv-money-flow__constant,.pkv-money-flow__effect,.pkv-money-flow__outcome,.pkv-money-flow__source{color:var(--color-heading);font-size:.78rem;font-weight:700;line-height:1.35;text-align:center}.card.pkv-money-flow__premium{background:var(--color-secondary);border:1px solid var(--color-secondary);border-radius:var(--radius-sm);color:var(--color-on-secondary);display:grid;font-family:var(--font-heading);font-size:var(--fs-sm);font-weight:700;line-height:1.25;min-height:4.5rem;padding:.65rem;place-items:center;text-align:center;width:7.5rem}.pkv-money-flow__arrow{background:var(--color-primary);height:1px;position:relative}.pkv-money-flow__arrow--down:after,.pkv-money-flow__arrow--in:after{border-right:1px solid var(--color-primary);border-top:1px solid var(--color-primary);content:"";height:.4rem;position:absolute;width:.4rem}.pkv-money-flow--working .pkv-money-flow__arrow:nth-of-type(2):after{right:0;transform:translateY(-50%) rotate(45deg)}.pkv-money-flow--working .pkv-money-flow__arrow:nth-of-type(4):after{left:0;transform:translateY(-50%) rotate(-135deg)}.pkv-money-flow--working .pkv-money-flow__outcome{border-top:1px solid var(--color-border);grid-column:1/-1;margin:1rem auto 0;max-width:15rem;padding-top:.8rem}.pkv-money-flow--leave{gap:.45rem;justify-items:center}.pkv-money-flow--leave .pkv-money-flow__change,.pkv-money-flow--leave .pkv-money-flow__effect,.pkv-money-flow--leave .pkv-money-flow__outcome{max-width:16rem}.pkv-money-flow__arrow--down{height:1.2rem;width:1px}.pkv-money-flow__arrow--down:after{bottom:0;left:50%;transform:translate(-50%) rotate(135deg)}.pkv-money-flow__constant{color:var(--color-primary);font-size:.68rem;letter-spacing:.08em;margin-top:-.15rem;text-transform:uppercase}.pkv-money-flow--leave .pkv-money-flow__outcome{border-top:1px solid var(--color-border);margin-top:.45rem;padding-top:.75rem}.pkv-cost-compare__versus{align-self:center;color:var(--color-primary);display:grid;font-family:var(--font-heading);font-size:.72rem;font-weight:700;letter-spacing:.12em;min-height:8rem;place-items:center;position:relative;text-align:center;text-transform:uppercase;z-index:0}.pkv-cost-compare__versus:before{border-left:1px solid color-mix(in srgb,var(--color-primary) 42%,var(--color-border));bottom:0;content:"";left:50%;position:absolute;top:0;z-index:-2}.pkv-cost-compare__versus:after{background:var(--color-bg);content:"";height:2.6rem;position:absolute;width:2.6rem;z-index:-1}.pkv-cost-flow{background:var(--color-bg-soft);border:1px solid var(--color-border);border-radius:var(--card-radius);margin:2rem 0 2.5rem;padding:clamp(1.25rem,2.5vw,2rem)}.pkv-cost-flow>.eyebrow{margin:0}.pkv-cost-flow__track{align-items:stretch;display:grid;gap:.75rem;grid-template-columns:minmax(0,1fr) 2rem minmax(0,1fr) 2rem minmax(0,1fr);margin-top:1rem}.pkv-cost-flow__item{background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--radius-sm);display:flex;flex-direction:column;justify-content:center;min-height:8rem;padding:1.15rem}.pkv-cost-flow__item--result{background:color-mix(in srgb,var(--color-secondary) 10%,var(--color-bg));border-color:color-mix(in srgb,var(--color-secondary) 42%,var(--color-border))}.pkv-cost-flow__label{color:var(--color-primary);font-size:.68rem;font-weight:700;letter-spacing:.1em;line-height:1.3;margin:0 0 .45rem;text-transform:uppercase}.pkv-cost-flow__item h3{font-size:var(--fs-base);line-height:1.35;margin:0}.pkv-cost-flow__operator{color:var(--color-primary);display:grid;font-family:var(--font-heading);font-size:1.5rem;font-weight:700;place-items:center}.pkv-cost-factors{margin-top:2rem}.pkv-cost-factors>h3{font-size:var(--fs-lg);margin:0 0 1rem}.pkv-cost-factors__grid{display:grid;gap:1rem;grid-template-columns:repeat(3,minmax(0,1fr))}.pkv-cost-factors__grid .card{height:100%;padding:1.25rem}.pkv-cost-factors__grid h4{font-size:var(--fs-base);margin:0}.pkv-cost-factors__grid p{color:var(--color-text-muted);font-size:var(--fs-sm);margin:.6rem 0 0}.pkv-cost-factors__item--wide{grid-column:span 2}.pkv-guide-page .pkv-cost-takeaway{align-items:flex-start;margin-top:1.5rem}.pkv-cost-takeaway h3{font-size:var(--fs-lg);margin:0 0 .55rem}.pkv-cost-takeaway p{margin:0}.pkv-cost-takeaway p+p{margin-top:.65rem}.pkv-underwriting-process{display:grid;gap:1rem;grid-template-columns:repeat(4,minmax(0,1fr));margin-top:2rem;position:relative}.pkv-underwriting-process:before{border-top:1px solid color-mix(in srgb,var(--color-primary) 36%,var(--color-border));content:"";left:12.5%;position:absolute;right:12.5%;top:2.25rem;z-index:0}.pkv-underwriting-stage{display:flex;flex-direction:column;gap:.65rem;height:100%;min-width:0;padding:1.25rem;position:relative;z-index:1}.pkv-underwriting-stage--assess{background:color-mix(in srgb,var(--color-primary) 5%,var(--color-bg));border-color:color-mix(in srgb,var(--color-primary) 42%,var(--color-border))}.pkv-underwriting-stage__icon{background:var(--color-bg);border-radius:50%;color:var(--color-primary);display:grid;height:2.5rem;margin-bottom:.15rem;place-items:center;width:2.5rem}.pkv-underwriting-stage__icon svg{height:1.6rem;width:1.6rem}.pkv-underwriting-stage .card__title,.pkv-underwriting-stage .eyebrow{margin:0}.pkv-underwriting-stage>p:last-child{color:var(--color-text-muted);margin:0}.pkv-underwriting-stage>p+p{margin-top:0}.pkv-underwriting-note{border-left:2px solid var(--color-primary);color:var(--color-text-muted);font-size:var(--fs-sm);margin:1.25rem auto 0;max-width:58rem;padding-left:1rem}.pkv-guide-page .pkv-underwriting-example{align-items:flex-start;margin-top:1.5rem}.pkv-underwriting-example .eyebrow{margin:0 0 .45rem}.pkv-underwriting-example h3{font-size:var(--fs-lg);margin:0 0 .65rem}.pkv-underwriting-example p{margin:0}.pkv-underwriting-example p+p{margin-top:.65rem}.pkv-guide-page .pkv-underwriting-takeaway{margin-top:1.5rem}.pkv-underwriting-takeaway h3{font-size:var(--fs-lg);margin:0 0 .45rem}.pkv-underwriting-takeaway p{margin:0}.pkv-plan-framework{display:grid;gap:1rem;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:2rem}.pkv-guide-page #tariffs.pkv-plan-section{background:var(--color-secondary);border-radius:var(--card-radius);padding:clamp(2rem,4vw,3.5rem) clamp(1rem,3vw,2.5rem)}.pkv-plan-section .pkv-plan-secondary{color:hsla(0,0%,100%,.78)}.pkv-plan-section .pkv-plan-secondary .eyebrow{color:var(--color-on-secondary)}.pkv-plan-area{display:flex;flex-direction:column;gap:.65rem;height:100%;min-width:0;padding:clamp(1.25rem,2vw,1.75rem)}.pkv-plan-area__icon{background:var(--color-bg-soft);border-radius:50%;color:var(--color-primary);display:grid;height:2.5rem;margin-bottom:.15rem;place-items:center;width:2.5rem}.pkv-plan-area__icon svg{height:1.65rem;width:1.65rem}.pkv-plan-area .card__title,.pkv-plan-area .eyebrow,.pkv-plan-area>p{margin:0}.pkv-plan-area>ul{color:var(--color-text-muted);display:grid;font-size:var(--fs-sm);gap:.35rem;line-height:1.45;margin:.25rem 0 0;padding-left:1.1rem}.pkv-plan-area__support{border-top:1px solid var(--color-border);color:var(--color-heading);font-size:var(--fs-sm);font-weight:600;margin-top:auto!important;padding-top:.75rem}.pkv-plan-secondary{border-left:2px solid var(--color-border);color:var(--color-text-muted);font-size:var(--fs-sm);margin-top:1.5rem;padding:.2rem 0 .2rem 1rem}.pkv-plan-secondary .eyebrow{color:var(--color-heading);margin:0 0 .4rem}.pkv-plan-secondary p:last-child{margin:0}.pkv-guide-page .pkv-plan-takeaway{align-items:flex-start;margin-top:1.5rem}.pkv-plan-takeaway .eyebrow{margin:0 0 .45rem}.pkv-plan-takeaway h3{font-size:var(--fs-lg);margin:0 0 .55rem}.pkv-plan-takeaway p:last-child{margin:0}.pkv-elterngeld-card{background:var(--color-bg-soft);margin-top:1.5rem}.pkv-elterngeld-card .card__title{margin-bottom:.9rem}.pkv-elterngeld-card__grid{display:grid;gap:1rem;grid-template-columns:repeat(2,minmax(0,1fr))}.pkv-elterngeld-card__grid p{margin:0}.pkv-elterngeld-card>p:last-of-type{margin-bottom:1rem}.pkv-tax-flow{align-items:center;display:grid;gap:clamp(1.25rem,3vw,2.5rem);grid-template-columns:minmax(10rem,.65fr) minmax(0,1.8fr);margin-top:1.5rem}.card.pkv-tax-flow__anchor{align-content:center;display:grid;min-height:9rem;padding:1.5rem;position:relative;text-align:center}.card.pkv-tax-flow__anchor:after{border-top:1px solid var(--color-primary);content:"";position:absolute;right:clamp(-2.5rem,-3vw,-1.25rem);top:50%;width:clamp(1.25rem,3vw,2.5rem)}.card.pkv-tax-flow__anchor .eyebrow{margin:0 0 .45rem}.card.pkv-tax-flow__anchor strong{color:var(--color-on-secondary);font-family:var(--font-heading);font-size:var(--fs-lg);line-height:1.2}.pkv-tax-flow__path{align-items:center;display:grid;gap:.45rem;grid-template-columns:minmax(0,1fr) 1.25rem minmax(0,1fr) 1.25rem minmax(0,1.3fr)}.pkv-tax-flow__step{align-content:center;border-bottom:1px solid var(--color-border);border-top:1px solid var(--color-border);color:var(--color-heading);display:grid;font-family:var(--font-heading);font-size:var(--fs-sm);font-weight:700;line-height:1.35;min-height:4.5rem;padding:.75rem .4rem;text-align:center}.pkv-tax-flow__step small{color:var(--color-text-muted);font-family:var(--font-body);font-size:.72rem;font-weight:400;margin-top:.3rem}.pkv-tax-flow__step--result{border-color:var(--color-primary);color:var(--color-primary)}.pkv-tax-flow__connector{border-top:1px solid var(--color-primary);position:relative}.pkv-tax-flow__connector:after{border-right:1px solid var(--color-primary);border-top:1px solid var(--color-primary);content:"";height:.4rem;position:absolute;right:0;top:50%;transform:translateY(-50%) rotate(45deg);width:.4rem}.pkv-tax-flow__split{display:grid;gap:.5rem}.pkv-tax-flow__split .pkv-tax-flow__step{min-height:0}.pkv-plan-compare{border-bottom:1px solid var(--color-border);border-top:1px solid var(--color-secondary);margin-top:1.5rem}.pkv-plan-compare__head,.pkv-plan-compare__row{column-gap:clamp(1rem,2vw,1.5rem);display:grid;grid-template-columns:minmax(8rem,.7fr) repeat(2,minmax(0,1fr))}.pkv-plan-compare__head{align-items:end;color:var(--color-heading);font-family:var(--font-heading);line-height:1.3;padding:1rem 0}.pkv-plan-compare__head>span{color:var(--color-text-muted);font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase}.pkv-plan-compare__head strong:last-child{color:var(--color-primary)}.pkv-plan-compare__row{border-top:1px solid var(--color-border);color:var(--color-text-muted);font-size:var(--fs-sm);line-height:1.5;padding:.9rem 0}.pkv-plan-compare__term{color:var(--color-heading);font-family:var(--font-heading);font-weight:700}.pkv-plan-compare__option{min-width:0}.pkv-plan-compare__takeaway{align-items:flex-start;margin-top:1.5rem}.pkv-plan-compare__takeaway .eyebrow{margin:0 0 .45rem}.pkv-plan-compare__takeaway h3{font-size:var(--fs-lg);margin:0 0 .55rem}.pkv-plan-compare__takeaway p{margin:0}.pkv-plan-compare__takeaway p+p{margin-top:.65rem}.pkv-india-journey{display:grid;gap:0;grid-template-columns:1fr;list-style:none;margin:2rem 0 1rem;max-width:42rem;padding:0;position:relative}.pkv-india-journey>li{align-items:center;column-gap:1.25rem;display:grid;grid-template-columns:3.2rem minmax(0,1fr);justify-items:stretch;min-width:0;padding:0 0 1.75rem;position:relative;text-align:left;z-index:1}.pkv-india-journey>li:not(:last-child):after{border-left:1px solid var(--color-primary);bottom:0;content:"";left:1.6rem;position:absolute;top:3.2rem}.pkv-india-journey .card.pkv-india-journey__marker{background:var(--color-secondary);border-radius:50%;box-shadow:0 0 0 .35rem color-mix(in srgb,var(--color-primary) 4%,var(--color-bg));color:var(--color-on-secondary);display:grid;grid-column:1;grid-row:1;height:3.2rem;margin:0;place-items:center;width:3.2rem}.pkv-india-journey__marker svg,.pkv-retirement-journey__marker svg{fill:none;height:1.4rem;stroke:currentColor;stroke-linecap:round;stroke-linejoin:round;stroke-width:1.7;width:1.4rem}.pkv-india-journey li>div{display:grid;gap:.4rem;justify-items:start}.pkv-india-journey strong{color:var(--color-heading);font-family:var(--font-heading);font-size:var(--fs-sm);line-height:1.25}.pkv-india-journey li>div>span,.pkv-india-journey li>div>ul{color:var(--color-text-muted);font-size:.78rem;line-height:1.4}.pkv-india-journey li>div>ul{display:grid;gap:.2rem;margin:0;padding-left:1.1rem}.pkv-india-journey__note{margin:1rem auto 0;max-width:38rem;text-align:center}.pkv-career-scenarios{gap:1rem;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:1.5rem}.pkv-career-scenarios .pg-step{min-width:0}.pkv-career-scenarios .pg-step__body{gap:.5rem}.pkv-career-scenario__label{color:var(--color-primary);font-size:.7rem;font-weight:700;letter-spacing:.12em;line-height:1.2;text-transform:uppercase}.pkv-career-scenarios .pg-step__title{color:var(--color-heading);font-family:var(--font-heading);font-size:var(--fs-lg);line-height:1.25;margin:0}.pkv-career-scenario__detail{border-top:1px solid var(--color-border);margin-top:.35rem;padding-top:.65rem}.pkv-career-scenario__detail p{color:var(--color-text-muted);font-size:var(--fs-sm);line-height:1.5;margin:0}.pkv-career-scenario__detail p:first-child{color:var(--color-heading);font-size:.7rem;font-weight:700;letter-spacing:.1em;margin-bottom:.3rem;text-transform:uppercase}.pkv-career-takeaway{margin-top:1.5rem}.pkv-career-takeaway h3{font-size:var(--fs-lg);margin:0 0 .45rem}.pkv-career-takeaway p{margin:0}.pkv-career-takeaway p+p{margin-top:.65rem}.pkv-retirement-journey{display:grid;gap:clamp(.75rem,2vw,1.25rem);grid-template-columns:repeat(5,minmax(0,1fr));list-style:none;margin:2rem 0 1.5rem;padding:0;position:relative}.pkv-retirement-journey li{align-content:start;display:grid;justify-items:center;min-width:0;padding:0 .3rem .75rem;position:relative;text-align:center}.pkv-retirement-journey li:not(:last-child):after{border-top:1px solid color-mix(in srgb,var(--color-primary) 42%,var(--color-border));content:"";left:calc(50% + 1.9rem);position:absolute;top:1.5rem;width:calc(100% + clamp(.75rem, 2vw, 1.25rem) - 3.8rem)}.pkv-retirement-journey .card.pkv-retirement-journey__marker{background:var(--color-secondary);border-radius:50%;color:var(--color-on-secondary);display:grid;height:3rem;margin:0 auto .85rem;place-items:center;width:3rem}.pkv-retirement-journey strong{color:var(--color-heading);font-family:var(--font-heading);font-size:var(--fs-sm);line-height:1.3}.pkv-retirement-journey li>span:last-child{color:var(--color-text-muted);font-size:.76rem;line-height:1.45;margin-top:.4rem}.pkv-retirement-question{border-left:2px solid var(--color-primary);color:var(--color-heading);font-family:var(--font-heading);font-size:clamp(var(--fs-lg),2.3vw,var(--fs-h3));font-weight:700;line-height:1.35;margin:0 0 1.5rem;max-width:46rem;padding:.35rem 0 .35rem 1.25rem}.pkv-retirement-calculation{align-items:stretch;display:grid;gap:.5rem;grid-template-columns:minmax(0,1fr) auto minmax(0,1fr) auto minmax(0,1fr) auto minmax(0,1.2fr);margin:1.5rem 0}.pkv-retirement-calculation__item{border-bottom:1px solid var(--color-border);border-top:1px solid var(--color-border);color:var(--color-heading);display:grid;font-family:var(--font-heading);font-size:var(--fs-sm);font-weight:700;line-height:1.3;min-height:4.5rem;padding:.9rem .75rem;place-items:center;text-align:center}.pkv-retirement-calculation__item--result{border-color:var(--color-primary);color:var(--color-primary)}.pkv-retirement-calculation__operator{color:var(--color-primary);display:grid;font-family:var(--font-heading);font-size:var(--fs-lg);font-weight:700;place-items:center}.pkv-retirement-subsidy{align-items:flex-start;margin:1.5rem 0}.pkv-retirement-subsidy h3{font-size:var(--fs-lg);margin:0 0 .45rem}.pkv-retirement-subsidy .eyebrow{margin:0 0 .35rem}.pkv-retirement-subsidy p{margin:0}.pkv-retirement-subsidy p+p{margin-top:.65rem}.pkv-retirement-planning{display:grid;gap:1rem;grid-template-columns:repeat(2,minmax(0,1fr));margin:1.5rem 0}.pkv-retirement-planning__area{box-sizing:border-box;height:100%}.pkv-retirement-planning__area .eyebrow{margin:0}.pkv-retirement-planning__area .card__title{font-size:var(--fs-lg)}.pkv-retirement-planning__area p:not(.eyebrow):not(.card__title){color:var(--color-text-muted);font-size:var(--fs-sm);line-height:1.55;margin:0}.pkv-retirement-planning__area p+p{margin-top:.65rem}.pkv-retirement-planning__area strong{color:var(--color-heading)}.pkv-retirement-takeaway{margin:1.5rem 0}.pkv-retirement-takeaway h3{font-size:var(--fs-lg);margin:0 0 .45rem}.pkv-retirement-takeaway p{margin:0}@media (max-width:860px){.pkv-guide-page .pkv-section-band{border-radius:var(--radius-sm);margin-left:-1rem;margin-right:-1rem}.pkv-guide-page .pkv-process-flow{gap:0;grid-template-columns:1fr}.pkv-guide-page .card.pkv-process-flow__step{align-items:center;column-gap:1rem;display:grid;grid-template-areas:"icon title" "icon text";grid-template-columns:3.2rem minmax(0,1fr);padding:0 0 1.5rem;text-align:left}.pkv-guide-page .card.pkv-process-flow__step:not(:last-child):after{border-left:1px solid color-mix(in srgb,var(--color-primary) 42%,var(--color-border));border-top:0;bottom:0;height:auto;left:1.6rem;top:3.2rem;width:0}.pkv-guide-page .pkv-process-flow__step .card__icon.pkv-process-flow__icon{grid-area:icon;margin:0}.pkv-guide-page .card.pkv-process-flow__step strong{grid-area:title}.pkv-guide-page .card.pkv-process-flow__step>span:last-child{grid-area:text;margin-top:.2rem}.pkv-life-journey{grid-template-columns:repeat(2,minmax(0,1fr))}.pkv-life-journey__item{border:0;padding:0 .5rem .75rem}.pkv-life-journey__item:after{display:none}.pkv-life-journey__item:nth-child(odd):not(:last-child):after{display:block;left:calc(50% + 1.9rem);width:calc(100% + clamp(1rem, 2vw, 1.5rem) - 3.8rem)}.pkv-life-journey .card__icon.pkv-life-journey__marker{margin-top:0}.pkv-tax-flow{gap:1.25rem;grid-template-columns:1fr}.card.pkv-tax-flow__anchor{min-height:7rem}.card.pkv-tax-flow__anchor:after{border-left:1px solid var(--color-primary);border-top:0;bottom:-1.25rem;height:1.25rem;right:50%;top:auto;width:0}}@media (max-width:700px){.pkv-household-scenarios{gap:.75rem;grid-template-columns:1fr;margin-bottom:1.75rem}.pkv-household-scenarios:before{border-left:1px solid color-mix(in srgb,var(--color-primary) 42%,var(--color-border));border-top:0;bottom:2rem;left:1.25rem;right:auto;top:2rem}.pkv-household-scenario{align-items:flex-start;padding:.9rem 1rem .9rem 2.75rem;text-align:left}.pkv-family-subheading{margin-top:1.75rem}.pkv-coverage-areas,.pkv-family-planning{gap:.75rem}.pkv-career-scenarios,.pkv-india-bridge{gap:.75rem;grid-template-columns:1fr}.pkv-india-bridge{--pkv-india-gap:.75rem}.pkv-india-bridge__connector{height:2rem;justify-self:center;left:auto;position:relative;top:auto;transform:none;width:1px}.pkv-india-bridge__connector:after,.pkv-india-bridge__connector:before{border-left:1px solid var(--color-primary);border-top:0;bottom:auto;height:1rem;right:auto;top:0;width:1px}.pkv-india-bridge__connector:before{left:0}.pkv-india-bridge__connector:after{bottom:0;left:0;top:auto}.pkv-india-bridge__connector span{background:var(--color-bg);font-size:.58rem;padding:.2rem .3rem}.pkv-cost-compare{gap:.75rem;grid-template-columns:1fr}.pkv-cost-compare__versus{min-height:2.25rem;text-align:center}.pkv-cost-compare__versus:before{border-left:0;border-top:1px solid color-mix(in srgb,var(--color-primary) 42%,var(--color-border));bottom:auto;left:0;right:0;top:50%}.pkv-cost-compare__versus:after{height:2.25rem;width:3.5rem}.pkv-money-flow--working{grid-template-columns:minmax(0,1fr) .8rem 7.5rem .8rem minmax(0,1fr)}.pkv-money-flow{margin-top:1rem}.pkv-cost-flow{margin-bottom:2rem;margin-top:1.5rem}.pkv-cost-flow__track{gap:.45rem;grid-template-columns:1fr}.pkv-cost-flow__item{min-height:0;padding:1rem}.pkv-cost-flow__operator{min-height:1.25rem}.pkv-cost-factors{margin-top:1.5rem}.pkv-cost-factors__grid{grid-template-columns:1fr}.pkv-cost-factors__item--wide{grid-column:auto}.pkv-underwriting-process{gap:.85rem;grid-template-columns:1fr;margin-top:1.5rem}.pkv-underwriting-process:before{border-left:1px solid color-mix(in srgb,var(--color-primary) 36%,var(--color-border));border-top:0;bottom:2.25rem;left:1.25rem;right:auto;top:2.25rem}.pkv-underwriting-stage{padding:1.1rem}.pkv-plan-framework{gap:.85rem;grid-template-columns:1fr;margin-top:1.5rem}.pkv-plan-area{min-height:0;padding:1.1rem}.pkv-plan-secondary{margin-top:1.25rem}.pkv-parental-planning{margin-bottom:1rem;margin-top:1rem}.pkv-tax-flow{margin-top:1rem}.card.pkv-tax-flow__anchor{min-height:0;padding:1.25rem}.pkv-elterngeld-card__grid{gap:.7rem;grid-template-columns:1fr}.pkv-tax-flow__path{gap:.4rem;grid-template-columns:1fr}.pkv-retirement-calculation{gap:.35rem;grid-template-columns:1fr}.pkv-retirement-calculation__item{min-height:0;padding:.75rem}.pkv-retirement-calculation__operator{min-height:1.1rem}.pkv-retirement-planning{gap:.75rem;grid-template-columns:1fr}.pkv-tax-flow__connector{border-left:1px solid var(--color-primary);border-top:0;height:.8rem;margin:0 auto;width:0}.pkv-tax-flow__connector:after{bottom:0;left:50%;right:auto;top:auto;transform:translate(-50%) rotate(135deg)}.pkv-plan-compare{border:0;display:grid;gap:.85rem;margin-top:1.25rem}.pkv-plan-compare__head{display:none}.pkv-plan-compare__row{background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--card-radius);box-shadow:var(--shadow-sm);display:block;padding:1.1rem}.pkv-plan-compare__row .pkv-plan-compare__term{color:var(--color-heading);display:block;font-family:var(--font-heading);font-size:var(--fs-lg);margin-bottom:.85rem}.pkv-plan-compare__option{border-top:1px solid var(--color-border);display:block;padding-top:.75rem}.pkv-plan-compare__option+.pkv-plan-compare__option{margin-top:.75rem}.pkv-plan-compare__option:before{color:var(--color-primary);content:attr(data-label);display:block;font-family:var(--font-heading);font-size:.7rem;font-weight:700;letter-spacing:.1em;margin-bottom:.25rem;text-transform:uppercase}.pkv-india-journey,.pkv-retirement-journey{gap:0;grid-template-columns:1fr}.pkv-india-journey>li,.pkv-retirement-journey li{align-items:center;column-gap:1rem;grid-template-columns:3.2rem minmax(0,1fr);justify-items:stretch;padding:0 0 1.5rem;text-align:left}.pkv-india-journey li>div{justify-items:start}.pkv-india-journey .card.pkv-india-journey__marker,.pkv-retirement-journey .card.pkv-retirement-journey__marker{grid-column:1;grid-row:1/span 2;margin:0}.pkv-india-journey>li:not(:last-child):after,.pkv-retirement-journey li:not(:last-child):after{border-left:1px solid color-mix(in srgb,var(--color-primary) 42%,var(--color-border));border-top:0;bottom:0;left:1.6rem;top:3.2rem;width:0}.pkv-india-journey>li:not(:last-child):before{display:none}.pkv-retirement-journey li>span:last-child,.pkv-retirement-journey strong{grid-column:2;text-align:left}.pkv-retirement-journey strong{align-self:end}.pkv-retirement-journey li>span:last-child{align-self:start;margin-top:.2rem}.pkv-india-journey__note{text-align:left}}@media (max-width:520px){.pkv-scenario__relationship{min-height:0;padding-bottom:.4rem}.pkv-family-check .check-list{margin-bottom:1rem}.pkv-life-journey{gap:0;grid-template-columns:1fr}.pkv-life-journey__item{align-items:center;column-gap:1rem;display:grid;grid-template-areas:"marker title" "marker text";grid-template-columns:3rem minmax(0,1fr);padding:0 0 1.5rem}.pkv-life-journey__item:not(:last-child):after,.pkv-life-journey__item:nth-child(odd):not(:last-child):after{border-left:1px solid color-mix(in srgb,var(--color-primary) 34%,var(--color-border));border-top:0;bottom:0;display:block;left:1.5rem;top:3rem;width:0}.pkv-life-journey .card__icon.pkv-life-journey__marker{grid-area:marker;margin:0}.pkv-life-journey__item h3{grid-area:title;text-align:left}.pkv-life-journey__item p{grid-area:text;margin-top:.25rem;text-align:left}.pkv-money-flow--working{gap:.25rem;grid-template-columns:minmax(0,1fr) .65rem 6.6rem .65rem minmax(0,1fr)}.pkv-money-flow__premium{width:6.6rem}.pkv-money-flow__source{font-size:.72rem}.pkv-family-check__takeaway{margin-top:1.25rem}.pkv-return-factors{gap:.75rem;grid-template-columns:1fr}}@media (min-width:1025px){.pkv-guide-page .guide-hero>.container{max-width:1440px;padding-left:clamp(1.5rem,3vw,3rem);padding-right:clamp(1.5rem,3vw,3rem)}.pkv-guide-page .guide-hero .crumbs{margin-bottom:clamp(2rem,3vw,3rem)}.pkv-guide-page .guide-hero--centered .guide-hero__grid{display:block}.pkv-guide-page .guide-hero--centered .guide-hero__copy{align-items:center;column-gap:clamp(2.5rem,4vw,5rem);display:grid;grid-template-areas:"eyebrow media" "title media" "lede media" "actions media";grid-template-columns:minmax(0,1.12fr) minmax(22rem,.88fr);max-width:82rem;text-align:left}.pkv-guide-page .guide-hero__copy>.eyebrow{align-self:end;grid-area:eyebrow;margin-bottom:.9rem}.pkv-guide-page .guide-hero--centered h1{font-size:clamp(3rem,4vw,3.75rem);grid-area:title;line-height:1.03;margin:0;max-width:15ch}.pkv-guide-page .guide-hero--centered .guide-hero__lede-group{grid-area:lede;margin:1.25rem 0 0;max-width:52ch}.pkv-guide-page .guide-hero--centered .guide-hero__lede-group .guide-hero__lede{font-size:clamp(1.12rem,1.5vw,1.35rem);line-height:1.42;margin:0;max-width:none}.pkv-guide-page .guide-hero--centered .guide-hero__lede-group .guide-hero__lede+.guide-hero__lede{margin-top:.9rem}.pkv-guide-page .guide-hero--centered .guide-actions{align-self:start;grid-area:actions;justify-content:flex-start;margin-top:1.5rem}.pkv-guide-page .guide-hero__media--hero{align-self:stretch;border-radius:var(--card-radius);grid-area:media;margin:0;min-height:29rem;overflow:hidden}.pkv-guide-page .guide-hero__media--hero img{height:100%;object-fit:cover;object-position:center;width:100%}.pkv-guide-page .guide-body>.container{max-width:1480px;padding-left:clamp(1.5rem,3vw,3rem);padding-right:clamp(1.5rem,3vw,3rem)}.pkv-guide-page .guide-layout{gap:clamp(2.75rem,3.8vw,4rem);grid-template-columns:minmax(12rem,13.75rem) minmax(0,67.5rem);justify-content:center}.pkv-guide-page .guide-sidebar{width:100%}.pkv-guide-page .guide-sidebar>.expert-card{margin-top:clamp(2rem,3vw,3rem)}.pkv-guide-page .guide-article,.pkv-guide-page .guide-article>.pkv-stage{min-width:0}.pkv-guide-page .guide-article .section-head{max-width:64ch}.pkv-guide-page .pagesection+.pagesection{margin-top:clamp(4.5rem,6vw,6rem)}.pkv-guide-page .pkv-stage+.pkv-stage{margin-top:2rem;padding-top:4rem}.pkv-guide-page .pkv-section-band{margin-left:0;margin-right:0;padding:clamp(2rem,3vw,3rem)}.pkv-guide-page #benefits>.row,.pkv-guide-page #eligibility>.row,.pkv-guide-page #return-gkv>.row{align-items:start;display:grid;gap:1rem clamp(2rem,3vw,3.25rem)}.pkv-guide-page #eligibility>.row{grid-template-columns:repeat(3,minmax(0,1fr))}.pkv-guide-page #benefits>.row,.pkv-guide-page #return-gkv>.row{grid-template-columns:repeat(2,minmax(0,1fr))}.pkv-guide-page #benefits>.row>.pkv-benefit-col--treatment{grid-column:1;grid-row:3}.pkv-guide-page #benefits>.row>.pkv-benefit-col--preventive{grid-column:2;grid-row:3}.pkv-guide-page #benefits>.row>.pkv-benefit-col--medicines{grid-column:1;grid-row:4}.pkv-guide-page #benefits>.row>.pkv-benefit-col--invoices{grid-column:2;grid-row:4}.pkv-guide-page #benefits>.row>[class*=col-],.pkv-guide-page #eligibility>.row>[class*=col-],.pkv-guide-page #return-gkv>.row>[class*=col-]{min-width:0}.pkv-guide-page #eligibility>.row .card,.pkv-guide-page #return-gkv>.row .card{background:transparent;border:0;border-radius:0;border-top:1px solid var(--color-border);box-shadow:none;height:auto;padding:1.35rem 0}.pkv-guide-page #eligibility>.row .card__title,.pkv-guide-page #return-gkv>.row .card__title{overflow-wrap:normal;word-break:normal}.pkv-guide-page .pg-cmp table{table-layout:fixed}.pkv-guide-page #gkv-vs-pkv .pg-cmp table{min-width:60rem}.pkv-guide-page #gkv-vs-pkv .pg-cmp thead th:first-child{width:19%}.pkv-guide-page #cost .pg-cmp table{min-width:52rem}.pkv-guide-page #cost .pg-cmp thead th:first-child{width:24%}.pkv-guide-page .pkv-family-scenarios{align-items:start;display:grid;gap:clamp(1.25rem,2vw,2rem);grid-template-columns:repeat(3,minmax(0,1fr))}.pkv-guide-page .pkv-family-scenarios>[class*=col-]{display:block;min-width:0}.pkv-guide-page .pkv-family-scenarios .card.pkv-scenario{height:auto;padding:clamp(1.25rem,1.8vw,1.6rem)}.pkv-guide-page .pkv-scenario__relationship{min-height:6.25rem}.pkv-guide-page .pkv-scenario__detail{margin-top:.5rem}.pkv-guide-page .pkv-family-qualification{border-left:2px solid var(--color-primary);color:var(--color-text-muted);margin:1.25rem 0 0;max-width:none;padding:.15rem 0 .15rem 1rem}.pkv-guide-page .pkv-cost-compare{gap:clamp(1rem,2vw,1.5rem);grid-template-columns:minmax(0,1fr) 3rem minmax(0,1fr);max-width:none}.pkv-guide-page .card.pkv-cost-compare__panel{padding:1.5rem clamp(1rem,2vw,1.75rem)}.pkv-guide-page .pkv-money-flow--working{gap:.55rem;grid-template-columns:minmax(7.5rem,1fr) 1.25rem 9rem 1.25rem minmax(7.5rem,1fr)}.pkv-guide-page .pkv-money-flow__change,.pkv-guide-page .pkv-money-flow__constant,.pkv-guide-page .pkv-money-flow__effect,.pkv-guide-page .pkv-money-flow__outcome,.pkv-guide-page .pkv-money-flow__source{font-size:.84rem}.pkv-guide-page .card.pkv-money-flow__premium{font-size:var(--fs-base);min-height:5.5rem;padding:.85rem;width:9rem}.pkv-guide-page .pkv-money-flow--leave{gap:.6rem}.pkv-guide-page .pkv-money-flow--leave .pkv-money-flow__change,.pkv-guide-page .pkv-money-flow--leave .pkv-money-flow__effect,.pkv-guide-page .pkv-money-flow--leave .pkv-money-flow__outcome{max-width:22rem}}@media (min-width:861px){.pkv-guide-page #how-pkv-works .section-head{max-width:46rem}.pkv-guide-page #how-pkv-works .section-head h2{font-size:clamp(2.25rem,3.6vw,3rem);line-height:1.08;max-width:23ch}.pkv-guide-page #how-pkv-works>.row{display:grid;gap:1.25rem;grid-template-columns:repeat(2,minmax(0,1fr));grid-template-rows:auto auto;margin-top:2rem}.pkv-guide-page #how-pkv-works>.row>[class*=col-]{min-width:0}.pkv-guide-page #how-pkv-works>.row>.pkv-model-card-wrap--contract{grid-column:1;grid-row:1}.pkv-guide-page #how-pkv-works>.row>.pkv-model-card-wrap--invoices{grid-column:2;grid-row:1}.pkv-guide-page #how-pkv-works>.row>.pkv-model-card-wrap--provisions{grid-column:1/-1;grid-row:2}.pkv-guide-page #how-pkv-works>.row .pkv-model-card{align-items:start;background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--card-radius);box-shadow:var(--shadow-sm);column-gap:clamp(1.25rem,2.5vw,2rem);display:grid;grid-template-areas:"icon title" "icon body";grid-template-columns:3.5rem minmax(0,1fr);min-height:0;padding:clamp(1.25rem,2vw,1.75rem);row-gap:.8rem}.pkv-guide-page #how-pkv-works>.row .pkv-model-card--featured{background:color-mix(in srgb,var(--color-primary) 5%,var(--color-bg));border-color:color-mix(in srgb,var(--color-primary) 28%,var(--color-border))}.pkv-guide-page #how-pkv-works>.row .pkv-model-icon{background:var(--color-secondary);color:var(--color-on-secondary);grid-area:icon;height:3.25rem;margin:0;width:3.25rem}.pkv-guide-page #how-pkv-works>.row .pkv-model-icon svg{height:1.65rem;width:1.65rem}.pkv-guide-page #how-pkv-works>.row .pkv-model-card--featured .pkv-model-icon{background:var(--color-primary)}.pkv-guide-page #how-pkv-works>.row .pkv-model-card .card__title{align-self:center;font-size:clamp(var(--fs-lg),2vw,var(--fs-h4));grid-area:title;line-height:1.22}.pkv-guide-page #how-pkv-works>.row .pkv-model-card>p{align-self:center;color:var(--color-text);font-size:var(--fs-base);grid-area:body;line-height:1.62;max-width:48rem}.pkv-guide-page #how-pkv-works>.row .pkv-model-card>p+p{grid-column:2;grid-row:auto;margin-top:0}.pkv-guide-page #eligibility>.pkv-eligibility-grid{align-items:start;display:grid;gap:clamp(1.25rem,2vw,2rem);grid-template-columns:repeat(3,minmax(0,1fr));margin-top:1.5rem}.pkv-guide-page #eligibility>.pkv-eligibility-grid>[class*=col-]{min-width:0}.pkv-guide-page #eligibility>.pkv-eligibility-grid .card{background:transparent;border:0;border-radius:0;border-top:1px solid var(--color-border);box-shadow:none;height:auto;min-height:100%;padding:1.35rem 0}.pkv-guide-page #eligibility>.pkv-eligibility-grid .card__title{overflow-wrap:normal;word-break:normal}.pkv-guide-page #eligibility>.pkv-eligibility-other{background:var(--color-bg-soft);border:1px solid var(--color-border);border-radius:var(--card-radius);box-shadow:none;margin-top:1.25rem;max-width:32rem;padding:1rem 1.25rem}.pkv-guide-page #eligibility>.pkv-eligibility-other .card__title{font-size:var(--fs-base);margin-bottom:.35rem}}.pkv-guide-page .pkv-eligibility-path{display:grid;gap:.75rem;grid-template-columns:repeat(4,minmax(0,1fr));list-style:none;margin:2rem 0 .4rem;padding:0}.pkv-guide-page .pkv-eligibility-path__step{align-items:center;background:var(--color-bg-soft);border:1px solid color-mix(in srgb,var(--color-secondary) 18%,var(--color-border));border-radius:var(--card-radius);color:var(--color-heading);display:grid;min-height:5.5rem;padding:1rem 1.15rem;position:relative;text-align:center}.pkv-guide-page .pkv-eligibility-path__step:not(:last-child):after{color:var(--color-primary);content:"→";font-size:1.35rem;line-height:1;position:absolute;right:-.72rem;top:50%;transform:translateY(-50%);z-index:1}.pkv-guide-page .pkv-eligibility-path__note{color:var(--color-text-muted);font-size:var(--fs-sm);font-style:italic;margin:0}.pkv-guide-page .pkv-eligibility-primary{background:color-mix(in srgb,var(--color-primary) 6%,var(--color-bg));border:1px solid color-mix(in srgb,var(--color-primary) 42%,var(--color-border));border-left:5px solid var(--color-primary);border-radius:var(--card-radius);box-shadow:var(--shadow-sm);margin-top:1.75rem;padding:clamp(1.35rem,2.5vw,2rem)}.pkv-guide-page .pkv-eligibility-primary .card__title{font-size:var(--fs-h4);margin-bottom:.65rem}.pkv-guide-page .pkv-eligibility-primary p+p{margin-top:.75rem}.pkv-guide-page .pkv-eligibility-secondary-grid{display:grid;gap:1rem;grid-template-columns:repeat(3,minmax(0,1fr));margin-top:1.5rem}.pkv-guide-page .pkv-eligibility-secondary{background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--card-radius);box-shadow:var(--shadow-sm);height:100%;padding:1.25rem}.pkv-guide-page .pkv-eligibility-secondary .card__title{font-size:var(--fs-base);margin-bottom:.65rem}.pkv-guide-page .pkv-eligibility-secondary p{font-size:var(--fs-sm);line-height:1.55}.pkv-guide-page .pkv-eligibility-secondary p+p{margin-top:.65rem}.pkv-guide-page .pkv-eligibility-decision{margin-top:1.75rem}.pkv-guide-page .pkv-jaeg-note{border-top:1px solid var(--color-border);color:var(--color-text-muted);margin-top:1.25rem;padding:1rem 1.25rem}.pkv-guide-page .pkv-jaeg-note h3{color:var(--color-heading);font-size:var(--fs-base);margin:0 0 .45rem}.pkv-guide-page .pkv-jaeg-note p{font-size:var(--fs-sm);line-height:1.55}.pkv-guide-page .pkv-jaeg-note p+p{margin-top:.55rem}@media (max-width:860px){.pkv-guide-page .pkv-eligibility-path{gap:.85rem;grid-template-columns:1fr;margin-top:1.5rem}.pkv-guide-page .pkv-eligibility-path__step{min-height:0;padding:.9rem 1rem}.pkv-guide-page .pkv-eligibility-path__step:not(:last-child):after{bottom:-.85rem;content:"↓";right:50%;top:auto;transform:translate(50%,50%)}.pkv-guide-page .pkv-eligibility-secondary-grid{grid-template-columns:1fr}}