/* Ausführliche Kreditanfrage (5 Schritte) – gemeinsam für alle Seiten, gekapselt unter .ka */
.ka { background: var(--card); border:2px solid var(--accent); border-radius:12px; padding:22px; margin-bottom:16px; }
.ka-head { text-align:center; margin-bottom:16px; }
.ka-head h2 { font-size:1.12rem; color: var(--accent-dark); margin:0 0 4px; }
.ka-head p { font-size:.82rem; color: var(--muted); margin:0; }
.ka .progress-bar { height:6px; background: var(--border); border-radius:99px; overflow:hidden; }
.ka .progress-fill { height:100%; width:20%; background: var(--accent); transition: width 0.35s ease; border-radius:99px; }
.ka .progress-label { font-size:0.75rem; color: var(--muted); margin-top:6px; display:flex; justify-content:space-between; }
.ka .step { display:none; animation: kaFadeIn 0.3s ease; }
.ka .step.active { display:block; }
@keyframes kaFadeIn { from { opacity:0; transform: translateY(-6px); } to { opacity:1; transform: none; } }
.ka .step h2 { font-size:1.1rem; color: var(--accent-dark); margin: 18px 0 2px; }
.ka .step-hint { font-size:0.8rem; color: var(--muted); margin: 0 0 6px; }
.ka .sub { margin-top:20px; padding-top:14px; border-top:1px solid var(--border); font-size:0.78rem; font-weight:600; color: var(--accent-dark); text-transform:uppercase; letter-spacing:0.5px; }
.ka label { display:block; font-size:0.82rem; color: var(--muted); margin: 12px 0 4px; }
.ka label .req { color: var(--accent); }
.ka input[type=text], .ka input[type=tel], .ka input[type=email], .ka input[type=date], .ka input[type=month], .ka select, .ka textarea {
  width:100%; height:auto; padding:11px 12px; border-radius:8px; border:1px solid var(--border);
  background-color: var(--bg); color: var(--text); font-size:16px; font-family: inherit;
}
.ka select { padding-right:36px; }
.ka textarea { min-height:70px; resize:vertical; }
.ka input.invalid, .ka select.invalid, .ka textarea.invalid { border-color: var(--error, #b3261e); }
.ka .row2 { display:grid; grid-template-columns: 1fr 1fr; gap:12px; }
.ka .row-street { display:grid; grid-template-columns: 3fr 1fr; gap:12px; }
.ka .row-plz { display:grid; grid-template-columns: 1fr 2fr; gap:12px; }
@media (max-width: 420px) { .ka .row2 { grid-template-columns: 1fr; gap:0; } }
.ka .yesno { display:flex; gap:8px; margin-top:2px; }
.ka .yesno label { flex:1; margin:0; display:flex; align-items:center; justify-content:center; gap:6px; padding:10px; border:1px solid var(--border); border-radius:8px; background: var(--bg); color: var(--text); font-size:0.9rem; cursor:pointer; }
.ka .yesno input { accent-color: var(--accent); }
.ka .yesno label:has(input:checked) { border-color: var(--accent); background: var(--accent-bg); font-weight:600; }
.ka .cond { display:none; }
.ka .cond.show { display:block; animation: kaFadeIn 0.25s ease; }
.ka .kredit-item { padding:12px 0; border-top:1px dashed var(--border); }
.ka .kredit-item:first-child { border-top:none; }
.ka .kredit-head { display:flex; justify-content:space-between; align-items:center; font-size:0.85rem; font-weight:600; color: var(--accent-dark); }
.ka .kredit-remove { background:none; border:none; color: var(--muted); font-size:0.78rem; cursor:pointer; padding:6px; }
.ka .add-btn { width:100%; margin-top:10px; background:none; border:1px dashed var(--accent); color: var(--accent); padding:10px; border-radius:8px; font-size:0.88rem; font-weight:600; cursor:pointer; font-family: inherit; }
.ka .nav { display:flex; align-items:center; gap:12px; margin-top:22px; }
.ka .btn { flex:1; width:auto; height:auto; margin:0; background: var(--accent); color:#fff; border:none; padding:14px; border-radius:8px; font-size:1rem; font-weight:600; cursor:pointer; font-family: inherit; }
.ka .btn:hover { background: var(--accent-dark); }
.ka .btn:disabled { opacity:0.6; cursor:not-allowed; }
.ka .back-btn { background:none; border:none; color: var(--muted); font-size:0.88rem; cursor:pointer; padding:10px; font-family: inherit; }
.ka .error-msg { display:none; margin-top:12px; font-size:0.82rem; color: var(--error, #b3261e); }
.ka .consent { display:flex; gap:8px; align-items:flex-start; margin-top:16px; font-size:0.78rem; color: var(--muted); }
.ka .consent input { margin-top:3px; width:auto; height:auto; }
.ka .consent a, .ka .legal a { color: var(--accent); }
.ka .legal { font-size:0.75rem; color: var(--muted); margin: 14px 0 0; }