/* =================================================================
   Filip Palyza – Finanční poradenství
   Barevná paleta převzata beze změny; upraveny jen odstíny textu,
   které nesplňovaly kontrast WCAG 2.1 AA (viz komentáře u tokenů).
================================================================= */

/* ── FONTS (self-hosted Quicksand, variabilní 300–700) ─────────── */
@font-face {
  font-family: 'Quicksand';
  font-style: normal;
  font-weight: 300 700;
  font-display: swap;
  src: url('/assets/fonts/quicksand-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Quicksand';
  font-style: normal;
  font-weight: 300 700;
  font-display: swap;
  src: url('/assets/fonts/quicksand-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* Záložní font s metrikami Inter – menší posun layoutu při načtení fontu (CLS). */
@font-face {
  font-family: 'Inter Fallback';
  src: local('Arial');
  ascent-override: 90.49%;
  descent-override: 22.56%;
  line-gap-override: 0%;
  size-adjust: 107.06%;
}

/* ── TOKENS ────────────────────────────────────────────────── */
:root {
  --navy:        #1B3B2E;
  --navy-mid:    #234A3A;
  --navy-light:  #2E5C46;
  --blue:        #2F9166;
  --blue-soft:   #4CAF7F;
  --navy-rgb:    27,59,46;
  --bg:          #FFFFFF;
  --bg-alt:      #EEF5F1;
  --tint:        #E3F3EA;
  --text:        var(--navy);
  /* Přístupnost: tmavší odstíny stejné barvy (kontrast ≥ 4.5:1 i na --bg-alt) */
  --text-muted:  #5D6C82;   /* původně #64748B (4.30:1 na --bg-alt) */
  --text-light:  #5C6F8A;   /* původně #94A3B8 (2.56:1) */
  --blue-strong: #287C57;   /* --blue pro text a tlačítka s bílým textem (5.1:1) */
  --blue-hover:  #226B4B;
  --danger:      #D52222;   /* původně #DC2626 */
  --success:     #04855D;   /* původně #059669 */
  --border:      rgba(var(--navy-rgb),.10);
  --border-input: rgba(var(--navy-rgb),.55); /* ohraničení polí formuláře ≥ 3:1 */
  --focus:       var(--blue-strong);
  --shadow-sm:   0 1px 4px rgba(var(--navy-rgb),.07), 0 1px 2px rgba(var(--navy-rgb),.05);
  --shadow:      0 4px 16px rgba(var(--navy-rgb),.09), 0 2px 6px rgba(var(--navy-rgb),.06);
  --shadow-lg:   0 16px 40px rgba(var(--navy-rgb),.13);
  --r:           1rem;
  --r-lg:        1.5rem;
  --nav-h:       68px;
  --promo-h:     0px;  /* výška horního pruhu se sešitem (viz .promo-bar) */
}

/* ── RESET ─────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--nav-h) + var(--promo-h)); }
body {
  font-family: 'Quicksand', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--bg); color: var(--text);
  line-height: 1.6; -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
picture { display: contents; }
a { color: inherit; text-decoration: none; }
.hidden, [hidden] { display: none !important; }
main:focus { outline: none; }

/* ── PŘÍSTUPNOST ──────────────────────────────────────────── */
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; }
.nav :focus-visible, .mobile-menu :focus-visible, footer :focus-visible,
.hero :focus-visible, .section-dark :focus-visible, .invest-hero :focus-visible { outline-color: #fff; }

.sr-only {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: 1rem; top: -100px; z-index: 1000;
  background: #fff; color: var(--navy); font-weight: 700; font-size: .9rem;
  padding: .75rem 1.25rem; border-radius: .6rem; box-shadow: var(--shadow-lg);
}
.skip-link:focus { top: 1rem; }

/* ── LAYOUT ────────────────────────────────────────────────── */
.container       { max-width: 1100px; margin: 0 auto; padding: 0 1.5rem; }
.container-wide  { max-width: 1280px; margin: 0 auto; padding: 0 1.5rem; }

/* ── TYPOGRAPHY ────────────────────────────────────────────── */
.section-title {
  font-size: clamp(1.6rem, 2.8vw, 2.1rem);
  font-weight: 800; color: var(--navy);
  letter-spacing: -.03em; line-height: 1.2;
}

/* ── ANIMATIONS (IntersectionObserver; bez JS je obsah vidět) ─ */
:where(.js) .fade-up {
  opacity: 0; transform: translateY(28px);
  transition: opacity .65s ease, transform .65s ease;
}
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-up.d1 { transition-delay: .08s; }
.fade-up.d2 { transition-delay: .16s; }
.fade-up.d3 { transition-delay: .24s; }
.fade-up.d4 { transition-delay: .32s; }

/* ── NAVBAR ────────────────────────────────────────────────── */
.nav {
  position: fixed; top: var(--promo-h); left: 0; right: 0; z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,.06);
  transition: box-shadow .3s;
}
.nav.scrolled { box-shadow: 0 4px 24px rgba(var(--navy-rgb),.3); }
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: var(--nav-h); max-width: 1280px; margin: 0 auto; padding: 0 1.5rem;
}
.nav-logo { display: inline-flex; align-items: center; gap: .7rem; font-weight: 800; font-size: 1.05rem; color: #fff; letter-spacing: -.02em; }
.nav-logo-img { display: block; height: 44px; width: auto; flex-shrink: 0; }
@media (max-width: 480px) { .nav-logo-img { height: 38px; } .nav-logo { gap: .55rem; } }
.nav-links { display: flex; align-items: center; gap: 2rem; list-style: none; }
.nav-links a {
  color: rgba(255,255,255,.7); font-size: .88rem; font-weight: 500;
  transition: color .2s; cursor: pointer;
}
.nav-links a:hover, .nav-links a[aria-current="page"] { color: #fff; }
.btn-nav {
  background: var(--blue-strong); color: #fff !important; padding: .5rem 1.25rem;
  border-radius: .6rem; font-weight: 600; font-size: .85rem;
  transition: background .2s, transform .2s;
}
.btn-nav:hover { background: var(--blue-hover); transform: translateY(-1px); }

/* Úvodní stránka: průhledná lišta nad fotkou, po odscrollování plná (jen s JS,
   bez JS zůstává plná). Hero se posune pod lištu a padding vyrovná obsah. */
.js .has-hero .nav {
  background-color: transparent;
  background-image: linear-gradient(180deg, rgba(var(--navy-rgb),.45) 0%, rgba(var(--navy-rgb),0) 100%);
  /* Přechod přes celý box včetně okraje a bez opakování – jinak se jeho tmavý
     začátek zopakuje v 1px spodním okraji a vznikne čára přes celou šířku. */
  background-origin: border-box;
  background-repeat: no-repeat;
  border-bottom-color: transparent;
  transition: background-color .3s, box-shadow .3s, border-color .3s;
}
.js .has-hero .nav.scrolled { background-color: var(--navy); border-bottom-color: rgba(255,255,255,.06); }
.js .has-hero .hero { margin-top: 0; padding-top: calc(var(--nav-h) + var(--promo-h)); min-height: calc(82vh + var(--nav-h) + var(--promo-h)); }

/* hamburger */
.hamburger {
  display: none; flex-direction: column; gap: 5px;
  cursor: pointer; background: none; border: none; padding: 4px;
}
.hamburger span { width: 24px; height: 2px; background: #fff; border-radius: 2px; transition: all .3s; }

/* mobile menu */
.mobile-menu {
  display: none; position: fixed; inset: 0; z-index: 200;
  background: var(--navy); flex-direction: column;
  align-items: center; justify-content: center; gap: 1.5rem;
}
.mobile-menu.open { display: flex; }
.mobile-menu a, .mobile-menu button.mm-link {
  color: #fff; font-size: 1.2rem; font-weight: 600;
  background: none; border: none; cursor: pointer; font-family: inherit;
}
.mm-close {
  position: absolute; top: 1.5rem; right: 1.5rem;
  background: none; border: none; color: #fff; font-size: 2rem;
  cursor: pointer; line-height: 1;
}
.mobile-menu .btn-primary {
  background: #fff; color: var(--navy); border-color: #fff;
  padding: .9rem 2.25rem; border-radius: var(--r); font-size: 1rem;
  margin-top: .5rem;
}

/* ── BUTTONS ────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: .8rem 1.75rem; border-radius: var(--r); font-weight: 600;
  font-size: .9rem; cursor: pointer; border: 2px solid transparent;
  transition: all .25s; font-family: inherit; text-decoration: none;
}
.btn-primary {
  background: var(--navy) linear-gradient(135deg, var(--navy-mid) 0%, var(--navy) 100%);
  color: #fff; border-color: var(--navy); box-shadow: 0 2px 10px rgba(var(--navy-rgb),.2);
}
.btn-primary:hover {
  background: var(--navy-light) linear-gradient(135deg, var(--navy-light) 0%, var(--navy-mid) 100%);
  border-color: var(--navy-light); transform: translateY(-2px); box-shadow: 0 6px 18px rgba(var(--navy-rgb),.28);
}
.btn-light { background: #fff; color: var(--navy); border-color: #fff; }
.btn-light:hover { transform: translateY(-2px); box-shadow: 0 6px 18px rgba(0,0,0,.18); }
.btn-ghost     { background: transparent; color: #fff; border-color: rgba(255,255,255,.45); }
.btn-ghost:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.7); }
.btn-outline   { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--bg-alt); transform: translateY(-2px); }
.btn-lg        { padding: .95rem 2.5rem; font-size: 1rem; border-radius: .85rem; }
.btn-block     { width: 100%; padding: 1rem; font-size: 1rem; }
.btn-block.btn-form { border-radius: .85rem; }
.btn:disabled  { opacity: .7; cursor: wait; transform: none; }

/* ── HERO ───────────────────────────────────────────────────── */
.hero {
  position: relative; width: 100%; min-height: 82vh;
  display: flex; align-items: center; margin-top: calc(var(--nav-h) + var(--promo-h)); overflow: hidden;
}
.hero-img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(130deg, rgba(var(--navy-rgb),.68) 0%, rgba(var(--navy-rgb),.38) 100%);
}
.hero-content {
  position: relative; z-index: 1; width: 100%;
  max-width: 1280px; margin: 0 auto; padding: 6rem 1.5rem;
}
.hero h1 {
  font-size: clamp(2.4rem, 5.5vw, 3.8rem); font-weight: 800; color: #fff;
  letter-spacing: -.035em; line-height: 1.12; max-width: 720px; margin-bottom: 1.5rem;
}
.hero p {
  font-size: 1.1rem; color: rgba(255,255,255,.82); max-width: 620px;
  line-height: 1.75; margin-bottom: 0;
}
.hero-lead {
  font-size: 1.3rem; font-weight: 600; color: rgba(255,255,255,.92);
  letter-spacing: -.01em; margin-bottom: 2.5rem !important;
}
.hero-sub {
  font-size: 1.05rem; color: rgba(255,255,255,.68);
  max-width: 480px; margin-bottom: 2.25rem !important;
}
.hero-btns { display: flex; gap: 1.25rem; flex-wrap: wrap; }

/* ── SECTIONS ───────────────────────────────────────────────── */
.section { padding: 6rem 0; }
.section-alt { background: var(--bg-alt); }
.section-dark { background: var(--navy); }
.section-plain { background: var(--bg); }
.section-header { text-align: center; margin-bottom: 3.5rem; }
.section-header--padded { padding: 0 1.5rem; }
.section-title--light { color: #fff; }
.section-title--tight { margin-bottom: .875rem; }
.section-lead {
  margin-top: .75rem; color: var(--text-muted); font-size: .95rem;
  max-width: 720px; margin-left: auto; margin-right: auto;
}
.section-lead--spaced { margin-top: 1.5rem; }
.section-lead--narrow { max-width: 640px; }
.section-cta { margin-top: 1.5rem; }
.page-offset { margin-top: calc(var(--nav-h) + var(--promo-h)); }

/* ── CARDS ──────────────────────────────────────────────────── */
.card {
  background: var(--bg); border: 1px solid var(--border);
  border-radius: var(--r-lg); box-shadow: var(--shadow-sm);
  transition: box-shadow .3s, transform .3s;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }

/* ── ABOUT ──────────────────────────────────────────────────── */
.about-grid {
  display: grid; grid-template-columns: 260px 1fr;
  gap: 3.5rem; align-items: center;
}
.about-img { width: 100%; aspect-ratio: 1; object-fit: cover; border-radius: var(--r-lg); }
.about-content p { color: var(--text-muted); margin-bottom: 2rem; line-height: 1.8; }
.services-label {
  font-size: .78rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .08em; color: var(--text-muted); margin-bottom: .875rem;
}
.services-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .6rem; }
.service-item {
  display: flex; align-items: center; gap: .7rem; padding: .7rem 1rem;
  background: var(--bg-alt); border-radius: .75rem;
  font-weight: 500; font-size: .9rem; color: var(--navy);
  border: 1px solid var(--border); transition: background .2s, border-color .2s;
}
.service-item:hover { background: var(--tint); border-color: rgba(var(--navy-rgb),.18); }
.service-item svg { color: var(--navy); flex-shrink: 0; }

/* ── AREAS BUBBLES ──────────────────────────────────────────── */
.areas-grid {
  display: grid; grid-template-columns: minmax(300px, 620px) 1fr;
  gap: 3.5rem; align-items: center;
}
.bubbles-field { position: relative; width: 100%; aspect-ratio: 1; max-width: 620px; margin: 0 auto; }

@keyframes bubble-float {
  0%   { transform: translate(-50%,-50%) translate(0,0); }
  25%  { transform: translate(-50%,-50%) translate(var(--fx1),var(--fy1)); }
  50%  { transform: translate(-50%,-50%) translate(var(--fx2),var(--fy2)); }
  75%  { transform: translate(-50%,-50%) translate(var(--fx3),var(--fy3)); }
  100% { transform: translate(-50%,-50%) translate(0,0); }
}
.bubble {
  position: absolute; top: var(--bt); left: var(--bl);
  width: var(--bw); aspect-ratio: 1; transform: translate(-50%,-50%);
  border-radius: 50%; background: var(--bg); border: 1px solid var(--border);
  box-shadow: var(--shadow-sm); cursor: pointer; font-family: inherit;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: .3rem;
  padding: .5rem; text-align: center; overflow: hidden; line-height: normal;
  transition: width .35s ease, min-height .35s ease, aspect-ratio .35s ease,
              border-radius .35s ease, box-shadow .35s ease, background .3s ease,
              padding .35s ease, z-index 0s ease .35s;
  animation: bubble-float var(--fdur, 26s) ease-in-out var(--fdelay, 0s) infinite;
  z-index: 1;
}
.bubble:hover, .bubble:focus-visible, .bubble.active { animation-play-state: paused; }
.bubble-icon {
  width: 36%; aspect-ratio: 1; border-radius: 50%; background: var(--navy); color: #fff;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  transition: background .25s;
}
.bubble-icon svg { width: 55%; height: 55%; }
.bubble-label { font-size: .78rem; font-weight: 700; color: var(--navy); line-height: 1.2; }
.bubble-desc {
  font-size: .72rem; color: var(--text-muted); line-height: 1.4;
  opacity: 0; max-height: 0; margin-top: 0; overflow: hidden;
  transition: opacity .2s ease, max-height .3s ease, margin-top .3s ease;
}
.bubble-hint { display: block; margin-top: .3rem; color: var(--blue-strong); font-weight: 700; }

.bubble:hover, .bubble:focus-visible, .bubble.active {
  width: 46%; aspect-ratio: auto; min-height: 46%; height: auto;
  border-radius: 1.75rem; padding: 1.1rem; z-index: 5;
  box-shadow: var(--shadow-lg); background: #fff;
  transition: width .35s ease, min-height .35s ease, border-radius .35s ease,
              box-shadow .35s ease, background .3s ease, padding .35s ease, z-index 0s ease;
}
.bubble:hover .bubble-icon, .bubble:focus-visible .bubble-icon, .bubble.active .bubble-icon { background: var(--blue); }
.bubble:hover .bubble-desc, .bubble:focus-visible .bubble-desc, .bubble.active .bubble-desc {
  opacity: 1; max-height: 140px; margin-top: .3rem;
}
.areas-content p { color: var(--text-muted); margin-bottom: 1.75rem; line-height: 1.8; }

/* ── CO ODE MĚ MŮŽETE ČEKAT ────────────────────────────────── */
.benefits-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.5rem; }
.benefit-card {
  background: var(--bg); border: 1px solid var(--border); border-radius: var(--r-lg);
  padding: 1.85rem 1.5rem; text-align: center;
  transition: transform .3s, box-shadow .3s, border-color .3s;
}
.benefit-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: rgba(var(--navy-rgb),.18); }
.benefit-icon {
  width: 52px; height: 52px; border-radius: 50%; background: var(--navy); color: #fff;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 1.1rem;
}
.benefit-title { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: .6rem; }
.benefit-desc { font-size: .82rem; color: var(--text-muted); line-height: 1.55; }

/* ── PROCESS ────────────────────────────────────────────────── */
.process-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.25rem; }
.process-step {
  position: relative; border-radius: var(--r-lg);
  overflow: hidden; height: 280px; cursor: default;
}
.process-step img { width: 100%; height: 100%; object-fit: cover; transition: transform .55s; }
.process-step:hover img { transform: scale(1.05); }
.process-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(var(--navy-rgb),.88) 0%, rgba(var(--navy-rgb),.25) 100%);
  display: flex; flex-direction: column; align-items: center;
  justify-content: flex-end; text-align: center; padding: 2rem;
}
.step-num { font-size: 3.5rem; font-weight: 800; color: rgba(255,255,255,.18); line-height: 1; position: absolute; top: 1.25rem; left: 1.5rem; }
.step-title { font-size: 1.1rem; font-weight: 700; color: #fff; margin-bottom: .4rem; }
.step-desc { font-size: .83rem; color: rgba(255,255,255,.78); max-width: 260px; }

/* ── REVIEWS ────────────────────────────────────────────────── */
.review-card {
  padding: 2rem; border-radius: var(--r-lg);
  border: 1px solid var(--border); background: var(--bg);
  transition: transform .3s, box-shadow .3s;
}
.review-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.reviews-summary { display: flex; align-items: center; justify-content: center; gap: .6rem; margin-bottom: 2.25rem; font-size: .92rem; color: var(--text-muted); flex-wrap: wrap; }
.reviews-summary-badge { background: #12873D; color: #fff; font-weight: 800; font-size: .85rem; padding: .18rem .6rem; border-radius: .45rem; }
.review-stars { display: flex; align-items: center; gap: .2rem; min-height: 1.6em; margin-bottom: 1.1rem; color: #F59E0B; }
.review-stars svg { width: 1em; height: 1em; fill: currentColor; }
.review-text { font-size: .88rem; font-style: italic; color: var(--text-muted); line-height: 1.75; margin-bottom: 1rem; }
.review-name { font-weight: 700; font-size: .85rem; color: var(--navy); }
.review-meta { font-size: .76rem; color: var(--text-light); margin-top: .15rem; }

.reviews-carousel-wrap { display: flex; align-items: center; gap: 1rem; }
.reviews-carousel {
  display: flex; gap: 1.5rem; overflow-x: auto; scroll-snap-type: x mandatory;
  scroll-behavior: smooth; padding: .25rem .25rem .75rem;
  -ms-overflow-style: none; scrollbar-width: none; flex: 1;
}
.reviews-carousel::-webkit-scrollbar { display: none; }
.reviews-carousel:focus-visible { outline-offset: 0; border-radius: var(--r-lg); }
.review-slide { flex: 0 0 100%; scroll-snap-align: start; }
@media (min-width: 760px) { .review-slide { flex: 0 0 calc((100% - 3rem) / 3); } }
.reviews-arrow {
  flex-shrink: 0; width: 42px; height: 42px; border-radius: 50%;
  border: 1px solid var(--border); background: var(--bg); color: var(--navy);
  display: flex; align-items: center; justify-content: center; cursor: pointer;
  transition: background .2s, box-shadow .2s, border-color .2s;
}
.reviews-arrow:hover { background: var(--bg-alt); box-shadow: var(--shadow-sm); border-color: rgba(var(--navy-rgb),.22); }
.reviews-dots { display: flex; flex-wrap: wrap; justify-content: center; gap: 2px; margin-top: .6rem; }
.reviews-dot { flex: 0 0 auto; width: 26px; height: 26px; display: grid; place-items: center; background: transparent; cursor: pointer; border: none; padding: 0; }
.reviews-dot::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--border); transition: background .2s, transform .2s; }
.reviews-dot.active::before { background: var(--navy); transform: scale(1.25); }
.reviews-more { text-align: center; margin-top: 2rem; }
.link-accent { font-size: .9rem; font-weight: 600; color: var(--blue-strong); text-decoration: underline; text-underline-offset: 3px; }

/* ── FORM ───────────────────────────────────────────────────── */
.form-card { background: var(--bg); border-radius: var(--r-lg); padding: 2.5rem; border: 1px solid var(--border); box-shadow: var(--shadow); max-width: 540px; margin: 0 auto; }
.form-group { margin-bottom: 1.2rem; }
.form-label { display: block; font-size: .82rem; font-weight: 600; color: var(--navy); margin-bottom: .45rem; letter-spacing: .01em; }
.form-input {
  width: 100%; padding: .75rem 1rem; border: 1.5px solid var(--border-input);
  border-radius: .75rem; font-size: .95rem; color: var(--text);
  background: var(--bg); transition: border-color .2s, box-shadow .2s;
  font-family: inherit;
}
.form-input:focus { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(var(--navy-rgb),.08); }
.form-input[aria-invalid="true"] { border-color: var(--danger); }
textarea.form-input { resize: vertical; min-height: 96px; }
.form-checkbox { display: flex; align-items: flex-start; gap: .75rem; font-size: .83rem; color: var(--text-muted); line-height: 1.6; }
.form-checkbox input { margin-top: 3px; flex-shrink: 0; accent-color: var(--navy); width: 15px; height: 15px; }
.form-checkbox a { text-decoration: underline; color: var(--navy); font-weight: 600; }
.form-error { margin-top: .4rem; font-size: .8rem; font-weight: 600; color: var(--danger); }
.form-error--checkbox { margin-top: -.6rem; margin-bottom: 1.2rem; }
.form-status { margin-top: 1rem; text-align: center; font-weight: 600; }
.form-status--success { color: var(--success); }
.form-status--error { color: var(--danger); }
/* Honeypot – mimo obrazovku, ne display:none (některé boty ho přeskakují). */
.form-hp { position: absolute !important; left: -10000px; top: auto; width: 1px; height: 1px; overflow: hidden; }

/* ── APPOINTMENT + CALENDAR ────────────────────────────────── */
.appointment-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; align-items: start; max-width: 1100px; margin: 0 auto; }
.appointment-grid .form-card { max-width: none; margin: 0; }
.calendar-card {
  background: var(--bg); border-radius: var(--r-lg); padding: 1.5rem;
  border: 1px solid var(--border); box-shadow: var(--shadow);
  display: flex; flex-direction: column; height: 100%;
}
.calendar-card-label { font-size: .85rem; font-weight: 600; color: var(--navy); margin-bottom: 1rem; text-align: center; }
.calendar-embed-wrap { position: relative; flex: 1; min-height: 560px; border-radius: var(--r); overflow: hidden; background: var(--bg-alt); }
.calendar-embed-wrap iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.calendar-card-fallback { font-size: .78rem; color: var(--text-muted); text-align: center; margin-top: .9rem; }
.calendar-card-fallback a { color: var(--navy); font-weight: 600; text-decoration: underline; }

/* vložený obsah třetí strany – zástupný blok do udělení souhlasu */
.consent-placeholder {
  position: absolute; inset: 0; display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 1rem;
  padding: 2rem; text-align: center;
}
.consent-placeholder p { font-size: .85rem; color: var(--text-muted); max-width: 340px; line-height: 1.6; }
html:not(.js) .consent-placeholder .btn { display: none; }

/* ── FAQ ───────────────────────────────────────────────────── */
.faq-list { max-width: 860px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--border);
  border-left: 3px solid transparent;
  padding: 0 1.25rem; margin: 0 -1.25rem;
  border-radius: .5rem;
  transition: border-color .25s, background-color .25s;
}
.faq-item.active { border-left-color: var(--blue); background: var(--bg-alt); }
.faq-heading { font-size: inherit; font-weight: inherit; }
.faq-question {
  width: 100%; display: flex; align-items: center; gap: 1rem;
  padding: 1.35rem 0; background: none; border: none; cursor: pointer;
  font-family: inherit; text-align: left;
}
.faq-num { flex-shrink: 0; width: 2.4rem; font-size: .78rem; font-weight: 700; color: var(--text-light); letter-spacing: .02em; }
.faq-item.active .faq-num { color: var(--blue-strong); }
.faq-q-text { flex: 1; font-size: 1rem; font-weight: 700; color: var(--navy); }
.faq-item.active .faq-q-text { color: var(--blue-strong); }
.faq-icon { position: relative; width: 18px; height: 18px; flex-shrink: 0; transition: transform .3s; }
.faq-icon::before, .faq-icon::after { content: ""; position: absolute; background: var(--text-light); border-radius: 2px; }
.faq-icon::before { top: 50%; left: 0; width: 100%; height: 2px; transform: translateY(-50%); }
.faq-icon::after { left: 50%; top: 0; width: 2px; height: 100%; transform: translateX(-50%); }
.faq-item.active .faq-icon { transform: rotate(45deg); }
.faq-item.active .faq-icon::before, .faq-item.active .faq-icon::after { background: var(--blue); }
:where(.js) .faq-answer { max-height: 0; overflow: hidden; visibility: hidden; transition: max-height .35s ease, visibility 0s linear .35s; }
.faq-item.active .faq-answer { visibility: visible; transition: max-height .35s ease; }
.faq-answer-inner { padding: 0 0 1.5rem calc(2.4rem + 1rem); color: var(--text-muted); font-size: .92rem; line-height: 1.65; max-width: 640px; }
.section.section-flush-top { padding-top: 0; }

/* ── LOCATION ───────────────────────────────────────────────── */
.section.section-location { padding: 6rem 0 0; }
.location-wrap { max-width: 1280px; margin: 0 auto; padding-bottom: 6rem; }
.location-grid { display: grid; grid-template-columns: 1fr 1fr; align-items: stretch; }
.location-img { width: 100%; height: auto; aspect-ratio: 1300 / 730; object-fit: cover; border-radius: 0 var(--r-lg) var(--r-lg) 0; }
.location-info { padding: 3rem 4rem; display: flex; flex-direction: column; justify-content: center; gap: 1.75rem; }
.loc-item { display: flex; gap: 1rem; align-items: flex-start; }
.loc-icon { width: 42px; height: 42px; border-radius: .75rem; background: var(--bg-alt); border: 1px solid var(--border); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.loc-icon svg { color: var(--navy); }
.loc-label { font-weight: 700; font-size: .88rem; color: var(--navy); margin-bottom: .2rem; }
.loc-value { font-size: .85rem; color: var(--text-muted); }
.loc-value a:hover { color: var(--navy); text-decoration: underline; }

/* ── CALCULATORS ────────────────────────────────────────────── */
.calc-grid { display: grid; grid-template-columns: 340px 1fr; gap: 2.5rem; align-items: start; }
#protiprodukt-kalkulacka .calc-grid { grid-template-columns: minmax(0, 1fr); max-width: 780px; margin: 0 auto; }
#protiprodukt-kalkulacka .p-inputs { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 1.25rem; align-items: stretch; }
#protiprodukt-kalkulacka .p-inputs .calc-label { white-space: normal; }
#protiprodukt-kalkulacka .p-inputs .calc-card { margin-bottom: 0; display: flex; flex-direction: column; justify-content: center; height: 158px; }
#protiprodukt-kalkulacka #p-rate-warning { font-size: .72rem; line-height: 1.4; }
.calc-card { background: var(--bg); border: 1px solid var(--border); border-radius: var(--r); padding: 1.35rem 1.5rem; margin-bottom: .875rem; transition: border-color .2s; }
.calc-card:hover { border-color: rgba(var(--navy-rgb),.22); }
.calc-label { display: block; font-size: .74rem; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: .03em; margin-bottom: .7rem; overflow-wrap: break-word; }
.calc-input-row { display: flex; align-items: center; gap: .7rem; margin-bottom: .7rem; max-width: 100%; }
.calc-input {
  flex: 1; min-width: 0; padding: .6rem .9rem; border: 1.5px solid var(--border-input);
  border-radius: .7rem; font-size: 1rem; font-weight: 700;
  text-align: right; color: var(--navy); font-family: inherit;
  background: var(--bg); transition: border-color .2s;
}
.calc-input:focus { border-color: var(--navy); }
.calc-unit { font-size: .82rem; font-weight: 600; color: var(--text-muted); white-space: nowrap; }
.calc-select {
  max-width: 100%; min-width: 0; text-overflow: ellipsis;
  width: 100%; padding: .7rem 1rem; border: 1.5px solid var(--border-input);
  border-radius: .75rem; font-size: .92rem; font-weight: 500; color: var(--navy);
  font-family: inherit; background: var(--bg); cursor: pointer; transition: border-color .2s;
}
.calc-select:focus { border-color: var(--navy); }

/* range slider */
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 5px;
  background: linear-gradient(to right, var(--navy) 0%, var(--navy) var(--pct,30%), #DDE4EE var(--pct,30%), #DDE4EE 100%);
  border-radius: 3px; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 17px; height: 17px; border-radius: 50%;
  background: var(--navy); border: 2px solid #fff; box-shadow: 0 1px 5px rgba(var(--navy-rgb),.3); cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 17px; height: 17px; border-radius: 50%; background: var(--navy);
  border: 2px solid #fff; box-shadow: 0 1px 5px rgba(var(--navy-rgb),.3); cursor: pointer;
}

/* investment summary */
.invest-hero {
  background: var(--navy); border-radius: var(--r-lg);
  padding: 1.75rem 2rem; margin-bottom: 1.25rem; color: #fff;
}
.invest-hero-label { font-size: .74rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.55); margin-bottom: .4rem; }
.invest-hero-value { font-size: 2.2rem; font-weight: 800; letter-spacing: -.03em; margin-bottom: .2rem; }
.invest-hero-gain { font-size: .9rem; font-weight: 600; color: rgba(255,255,255,.75); }
.invest-cta { margin-top: .25rem; }

/* pension / annuity results */
.r-inputs-card { padding: .3rem 1.5rem; margin-bottom: 0; }
.r-field { padding: 1.1rem 0; border-bottom: 1px solid var(--border); }
.r-field:last-child { border-bottom: none; }
.r-field .calc-label { margin-bottom: .6rem; }
.r-field .calc-input-row { margin-bottom: 0; }
.r-summary { display: grid; grid-template-columns: 1fr 1fr; gap: .875rem; margin-bottom: 1.25rem; }
.r-summary-item { background: var(--bg-alt); border: 1px solid var(--border); border-radius: var(--r); padding: 1rem 1.25rem; text-align: center; }
.r-summary-label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--text-muted); margin-bottom: .35rem; }
.r-summary-value { font-size: 1.3rem; font-weight: 800; color: var(--navy); }

.r-results-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.r-result-card { background: var(--bg); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 1.5rem; transition: box-shadow .2s; }
.r-result-card:hover { box-shadow: var(--shadow); }
.r-result-card.highlight { border: 2px solid var(--navy); }
.r-result-tag { display: flex; align-items: center; font-size: .85rem; font-weight: 700; color: var(--navy); margin-bottom: .5rem; }
.r-tag-dot { display: inline-block; width: .5rem; height: .5rem; border-radius: 50%; background: var(--blue); margin-right: .5rem; flex-shrink: 0; }
.r-tag-dot.highlight { background: var(--navy); }
.r-result-desc { font-size: .8rem; color: var(--text-muted); line-height: 1.5; margin-bottom: 1.1rem; min-height: 2.5em; }
.r-result-label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--text-muted); margin-bottom: .3rem; }
.r-result-label--spaced { margin-top: 1rem; }
.r-result-value { font-size: 1.55rem; font-weight: 800; color: var(--navy); }
.r-result-value.saving { color: var(--blue); font-size: 1.3rem; }

/* chart */
.chart-wrap { position: relative; background: var(--bg); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 1.5rem; overflow: hidden; }
.chart-canvas { width: 100%; display: block; }
.chart-tip {
  position: absolute; background: var(--navy); color: #fff;
  padding: .75rem 1rem; border-radius: .75rem; font-size: .77rem;
  pointer-events: none; z-index: 10; box-shadow: var(--shadow-lg);
  min-width: 195px; transition: opacity .1s;
}
.chart-tip.hidden { display: none; }
.tip-title { font-weight: 700; font-size: .83rem; margin-bottom: .45rem; border-bottom: 1px solid rgba(255,255,255,.12); padding-bottom: .35rem; }
.tip-row { display: flex; align-items: center; gap: .5rem; padding: .18rem 0; }
.tip-dot { width: 7px; height: 7px; border-radius: 50%; flex-shrink: 0; }

/* legend – barva čáry v okraji a tečce, text v tmavším odstínu téže barvy (kontrast) */
.chart-legend { display: flex; flex-wrap: wrap; gap: .45rem; justify-content: center; margin-top: 1rem; }
.legend-btn {
  display: flex; align-items: center; gap: .45rem; padding: .35rem .85rem;
  border-radius: 2rem; border: 1.5px solid var(--series); color: var(--series-text, var(--series));
  font-size: .76rem; font-weight: 600;
  cursor: pointer; background: #fff; transition: opacity .2s, transform .15s; font-family: inherit;
}
.legend-btn:hover { transform: translateY(-1px); }
.legend-btn.off { opacity: .3; }
.leg-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--series); }
.legend-btn--dynamic    { --series: #1D4ED8; }
.legend-btn--balanced   { --series: #0891B2; --series-text: #077F9C; }
.legend-btn--realestate { --series: #059669; --series-text: #04855D; }
.legend-btn--bonds      { --series: #D97706; --series-text: #B06105; }
.legend-btn--savings    { --series: #64748B; }

/* cost of delay */
.delay-box { background: var(--bg-alt); border: 1px solid var(--border); border-radius: var(--r); padding: 1.4rem 1.5rem; margin-top: 1rem; }
.delay-box-title { font-size: .82rem; font-weight: 700; color: var(--navy); margin-bottom: .875rem; }
.delay-row { display: flex; justify-content: space-between; align-items: center; padding: .38rem 0; border-bottom: 1px solid var(--border); font-size: .84rem; }
.delay-row:last-child { border-bottom: none; }
.delay-lbl { color: var(--text-muted); }
.delay-val { font-weight: 700; color: var(--navy); }
.delay-val.red { color: var(--danger); }

/* texty kalkulaček (dříve inline styly) */
.calc-note { font-size: .73rem; text-align: center; color: var(--text-light); margin-top: 1rem; }
.calc-note--spaced { margin-top: 1.25rem; }
.calc-cta { text-align: center; margin-top: 2.5rem; }
.calc-cta-title { font-size: 1rem; font-weight: 600; color: var(--navy); margin-bottom: 1rem; }
.calc-warning { margin-top: 1.1rem; font-size: .84rem; color: var(--danger); font-weight: 600; text-align: center; }
.calc-rate-warning { margin-top: .5rem; color: var(--danger); font-weight: 600; }
.calc-verdict { margin-top: 1.1rem; font-size: .9rem; font-weight: 700; text-align: center; color: var(--navy); }

/* odeslání výsledku kalkulačky na e-mail */
.calc-mail { text-align: center; margin-top: 2.5rem; }
.calc-mail .btn svg { flex-shrink: 0; }
html:not(.js) .calc-mail { display: none; }
.calc-mail-modal { max-width: 500px; }
.calc-mail-modal .form-group { margin-bottom: 1rem; }
.calc-mail-modal .form-status { margin-top: .25rem; margin-bottom: .5rem; }
.calc-mail-modal [data-calc-mail-name] { font-weight: 700; color: var(--navy); }

/* ── FOOTER ─────────────────────────────────────────────────── */
footer { background: var(--navy); padding: 4.5rem 1.5rem 2.5rem; }
.footer-inner { max-width: 1280px; margin: 0 auto; }
.footer-top {
  display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 3rem;
  padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand-name { font-size: 1.5rem; font-weight: 800; color: #fff; letter-spacing: -.02em; }
.footer-brand-tag {
  font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  color: rgba(255,255,255,.6); margin-top: .4rem;
}
.footer-pills { display: flex; flex-wrap: wrap; align-items: center; list-style: none; margin-top: 1.75rem; }
.footer-pills li { display: flex; align-items: center; }
.footer-pills li:not(:last-child)::after { content: '|'; color: rgba(255,255,255,.25); margin: 0 .75rem; }
.footer-pills a { font-size: .8rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: rgba(255,255,255,.75); transition: color .2s; }
.footer-pills a:hover { color: #fff; }
.footer-col-title { font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.6); margin-bottom: 1.1rem; }
.footer-col a, .footer-col p { display: block; font-size: .9rem; color: rgba(255,255,255,.72); margin-bottom: .8rem; line-height: 1.5; }
.footer-col a { transition: color .2s; }
.footer-col a:hover { color: #fff; }
.footer-bottom { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1.25rem; padding-top: 2rem; }
.footer-copy { font-size: .875rem; color: rgba(255,255,255,.6); }
.footer-socials { display: flex; gap: 1.25rem; }
.footer-socials a { color: rgba(255,255,255,.6); transition: color .2s; }
.footer-socials a:hover { color: #fff; }
.footer-links { display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; list-style: none; margin-top: 1.25rem; }
.footer-links a, .footer-links button {
  font-size: .8rem; color: rgba(255,255,255,.7); text-decoration: underline; text-underline-offset: 3px;
  background: none; border: 0; padding: 0; cursor: pointer; font-family: inherit;
}
.footer-links a:hover, .footer-links button:hover { color: #fff; }
.footer-legal { font-size: .73rem; color: rgba(255,255,255,.6); max-width: 100%; margin-top: 1.75rem; line-height: 1.6; }
@media (max-width: 780px) {
  .footer-top { grid-template-columns: 1fr; gap: 2.25rem; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}

/* ── PRÁVNÍ STRÁNKY, 404 ────────────────────────────────────── */
.breadcrumbs { font-size: .8rem; color: var(--text-muted); margin-bottom: 1.5rem; }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: .4rem; list-style: none; }
.breadcrumbs li:not(:last-child)::after { content: '›'; margin-left: .4rem; color: var(--text-light); }
.breadcrumbs a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
.page-title {
  font-size: clamp(1.9rem, 4vw, 2.6rem); font-weight: 800; color: var(--navy);
  letter-spacing: -.03em; line-height: 1.15; margin-bottom: 1rem;
}
.page-lead { color: var(--text-muted); font-size: 1rem; line-height: 1.75; max-width: 720px; }
.prose { max-width: 780px; color: var(--text-muted); font-size: .95rem; line-height: 1.75; }
.prose h2 { font-size: 1.3rem; font-weight: 800; color: var(--navy); letter-spacing: -.02em; line-height: 1.3; margin: 2.5rem 0 .75rem; }
.prose h3 { font-size: 1.02rem; font-weight: 700; color: var(--navy); margin: 1.5rem 0 .5rem; }
.prose p, .prose ul { margin-bottom: 1rem; }
.prose ul { padding-left: 1.25rem; }
.prose li { margin-bottom: .35rem; }
.prose a { color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.prose strong { color: var(--navy); }
.table-wrap { overflow-x: auto; margin: 1rem 0 1.5rem; border: 1px solid var(--border); border-radius: var(--r); }
.prose table { width: 100%; border-collapse: collapse; font-size: .85rem; min-width: 560px; }
.prose th, .prose td { text-align: left; padding: .7rem .9rem; border-bottom: 1px solid var(--border); vertical-align: top; }
.prose th { background: var(--bg-alt); color: var(--navy); font-weight: 700; }
.prose tr:last-child td { border-bottom: 0; }
.prose code { font-size: .85em; background: var(--bg-alt); padding: .1rem .35rem; border-radius: .3rem; color: var(--navy); }
.error-page { min-height: 60vh; display: flex; align-items: center; }
.error-code { font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--blue-strong); margin-bottom: .75rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 2rem; }

/* ── COOKIES ────────────────────────────────────────────────── */
.cc-banner {
  position: fixed; left: 1rem; right: 1rem; bottom: 1rem; z-index: 150;
  max-width: 980px; margin: 0 auto;
  background: var(--bg); color: var(--text); border: 1px solid var(--border);
  border-radius: var(--r-lg); box-shadow: 0 20px 50px rgba(var(--navy-rgb),.25);
  padding: 1.5rem 1.75rem;
  display: flex; align-items: center; gap: 1.5rem 2rem; flex-wrap: wrap;
}
.cc-banner[hidden] { display: none; }
.cc-text { flex: 1 1 420px; }
.cc-title { font-weight: 800; font-size: 1rem; color: var(--navy); margin-bottom: .35rem; }
.cc-text p:not(.cc-title) { font-size: .84rem; color: var(--text-muted); line-height: 1.6; }
.cc-text a { color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.cc-actions { display: flex; flex-wrap: wrap; gap: .6rem; }
.cc-actions .btn { padding: .7rem 1.35rem; font-size: .88rem; }

.cc-modal {
  border: 0; padding: 0; margin: auto; width: calc(100% - 2rem); max-width: 600px;
  max-height: calc(100vh - 2rem); border-radius: var(--r-lg);
  background: var(--bg); color: var(--text); box-shadow: 0 30px 70px rgba(0,0,0,.3);
}
.cc-modal::backdrop { background: rgba(var(--navy-rgb),.6); }
.cc-modal-inner { padding: 1.75rem; }
.cc-modal-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 1rem; margin-bottom: .75rem; }
.cc-modal-title { font-size: 1.3rem; font-weight: 800; color: var(--navy); letter-spacing: -.02em; }
.cc-close {
  flex-shrink: 0; width: 38px; height: 38px; border-radius: 50%;
  border: 1px solid var(--border); background: var(--bg); color: var(--navy);
  font-size: 1.4rem; line-height: 1; cursor: pointer;
}
.cc-close:hover { background: var(--bg-alt); }
.cc-intro { font-size: .86rem; color: var(--text-muted); line-height: 1.6; margin-bottom: 1.25rem; }
.cc-intro a { color: var(--navy); font-weight: 600; text-decoration: underline; }
.cc-category { border: 1px solid var(--border); border-radius: var(--r); padding: 1rem 1.1rem; margin-bottom: .75rem; }
.cc-category-head { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.cc-category label { display: flex; align-items: center; gap: .7rem; font-weight: 700; font-size: .92rem; color: var(--navy); cursor: pointer; }
.cc-category input[type="checkbox"] { width: 18px; height: 18px; accent-color: var(--navy); flex-shrink: 0; cursor: pointer; }
.cc-category input[type="checkbox"]:disabled { cursor: not-allowed; }
.cc-always { font-size: .74rem; font-weight: 700; color: var(--success); white-space: nowrap; }
.cc-category-desc { font-size: .8rem; color: var(--text-muted); line-height: 1.55; margin-top: .45rem; padding-left: calc(18px + .7rem); }
.cc-modal-actions { display: flex; flex-wrap: wrap; gap: .6rem; margin-top: 1.25rem; }
.cc-modal-actions .btn { flex: 1 1 150px; padding: .75rem 1rem; font-size: .88rem; }

/* ── RESPONSIVE ─────────────────────────────────────────────── */
@media (max-width: 960px) {
  .nav-links, .nav-cta { display: none !important; }
  .hamburger { display: flex; }
  .about-grid { grid-template-columns: 1fr; }
  .about-img { width: 180px; height: 180px; border-radius: 50%; }
  .areas-grid { grid-template-columns: 1fr; }
  .bubbles-field { max-width: 460px; }
  .benefits-grid { grid-template-columns: repeat(2,1fr); }
  .process-grid { grid-template-columns: 1fr; }
  .location-grid { grid-template-columns: 1fr; }
  .location-img { border-radius: var(--r-lg); }
  .location-info { padding: 2rem 1.5rem; }
  .calc-grid { grid-template-columns: minmax(0, 1fr); }
  .r-summary { grid-template-columns: minmax(0, 1fr); }
  .r-results-grid { grid-template-columns: minmax(0, 1fr); }
  .appointment-grid { grid-template-columns: 1fr; max-width: 540px; gap: 2rem; }
  .appointment-grid .form-card { max-width: 540px; margin: 0 auto; }
  .calendar-embed-wrap { min-height: 520px; }
}
@media (max-width: 640px) {
  .section { padding: 4rem 0; }
  .services-grid { grid-template-columns: 1fr; }
  .hero { min-height: 90vh; }
  .js .has-hero .hero { min-height: calc(90vh + var(--nav-h) + var(--promo-h)); }
  .hero-btns { flex-direction: column; }
  .bubbles-field { max-width: 320px; }
  .bubble-label { font-size: .68rem; }
  .bubble-desc { font-size: .64rem; }
  .bubble:hover, .bubble:focus-visible, .bubble.active { width: 62%; min-height: 62%; padding: .9rem; }
  .benefits-grid { grid-template-columns: 1fr; }
  .calc-card { padding-left: 1.1rem; padding-right: 1.1rem; }
  .r-inputs-card { padding-left: 1.1rem; padding-right: 1.1rem; }
  .calc-label { font-size: .68rem; letter-spacing: .015em; }
  #protiprodukt-kalkulacka .p-inputs { grid-template-columns: minmax(0, 1fr); }
  .cc-banner { padding: 1.25rem; left: .5rem; right: .5rem; bottom: .5rem; }
  .cc-actions { width: 100%; }
  .cc-actions .btn { flex: 1 1 100%; }
  .cc-modal-inner { padding: 1.35rem; }
}

/* ── HERO HEADING ──────────────────────────────────────────── */
.hero-word { display: block; }

/* ── OMEZENÍ POHYBU (prefers-reduced-motion) ───────────────── */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important; animation-iteration-count: 1 !important;
    transition-duration: .01ms !important; transition-delay: 0s !important;
    scroll-behavior: auto !important;
  }
  .bubble { animation: none !important; }
  .fade-up { opacity: 1 !important; transform: none !important; }
  .process-step:hover img { transform: none; }
}

/* ================================================================
   Kalkulačka Nájem vs. hypotéka
================================================================ */
.nb-group-title { font-size: .95rem; font-weight: 800; color: var(--navy); margin-bottom: 1rem; padding-left: .6rem; border-left: 3px solid var(--navy); }
.nb-stepper { gap: .4rem; }
.nb-stepper .calc-input { text-align: center; padding-left: .4rem; padding-right: .4rem; }
.nb-step {
  flex: 0 0 auto; width: 2.1rem; height: 2.1rem; border-radius: .6rem;
  border: 1px solid var(--border); background: var(--bg-alt); color: var(--navy);
  font-size: 1.1rem; font-weight: 700; line-height: 1; cursor: pointer; font-family: inherit;
  transition: background .15s, border-color .15s;
}
.nb-step:hover { border-color: rgba(var(--navy-rgb),.3); background: var(--tint); }
.nb-stepper .calc-unit { min-width: 1.6rem; }

.nb-toggle {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  padding: .9rem 1rem; border: 1px solid var(--border); border-radius: var(--r);
  background: var(--bg-alt); margin-bottom: .7rem; cursor: pointer;
}
.nb-toggle-text { display: flex; flex-direction: column; gap: .2rem; }
.nb-toggle-text strong { font-size: .9rem; color: var(--navy); }
.nb-toggle-text small { font-size: .76rem; color: var(--text-muted); line-height: 1.45; }
.nb-toggle input[type="checkbox"] {
  appearance: none; -webkit-appearance: none; flex: 0 0 auto;
  width: 2.75rem; height: 1.55rem; border-radius: 999px; background: #CBD5E1;
  position: relative; cursor: pointer; transition: background .2s; margin: 0;
}
.nb-toggle input[type="checkbox"]::after {
  content: ''; position: absolute; top: .2rem; left: .2rem; width: 1.15rem; height: 1.15rem;
  border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0,0,0,.2); transition: transform .2s;
}
.nb-toggle input[type="checkbox"]:checked { background: var(--navy); }
.nb-toggle input[type="checkbox"]:checked::after { transform: translateX(1.2rem); }
.nb-toggle input[type="checkbox"]:focus-visible { outline: 2px solid var(--focus); outline-offset: 2px; }
.nb-reset { margin-top: .5rem; padding: .75rem; font-size: .92rem; }

.nb-kpis { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: .875rem; margin-bottom: 1.25rem; }
.nb-kpi { background: var(--bg); border: 1px solid var(--border); border-radius: var(--r); padding: 1rem 1.15rem; }
.nb-kpi-value { font-size: 1.35rem; font-weight: 800; color: var(--navy); line-height: 1.2; }
.nb-kpi-sub { font-size: .75rem; color: var(--text-muted); margin-top: .25rem; }
.nb-verdict { background: var(--tint); border-color: rgba(var(--navy-rgb),.18); }
.nb-verdict .nb-kpi-value { font-size: 1.6rem; }
.nb-verdict--rent { background: #F6EFE2; border-color: #E3D3B4; }

.nb-tabs { display: flex; flex-wrap: wrap; gap: .3rem; margin-bottom: 1rem; border-bottom: 1px solid var(--border); }
.nb-tab {
  background: none; border: 0; border-bottom: 2px solid transparent; margin-bottom: -1px;
  padding: .5rem .8rem; font: inherit; font-size: .86rem; font-weight: 600; color: var(--text-muted); cursor: pointer;
}
.nb-tab[aria-selected="true"] { color: var(--navy); border-bottom-color: var(--navy); }
.nb-tab:hover { color: var(--navy); }
.nb-canvas-wrap { position: relative; }
.nb-legend { display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; justify-content: center; margin-top: .9rem; font-size: .8rem; color: var(--text-muted); }
.nb-leg { display: inline-flex; align-items: center; gap: .4rem; }
.nb-leg strong { color: var(--navy); }
.nb-leg-dot { width: .7rem; height: .7rem; border-radius: 2px; }
.nb-leg-dot--owner { background: #C9A86A; }
.nb-leg-dot--renter { background: #1B3B2E; }

.nb-table-scroll { max-height: 420px; overflow: auto; border-radius: .6rem; }
.nb-table { width: 100%; border-collapse: collapse; font-size: .82rem; font-variant-numeric: tabular-nums; }
.nb-table th, .nb-table td { padding: .5rem .6rem; text-align: right; white-space: nowrap; border-bottom: 1px solid var(--border); }
.nb-table thead th { position: sticky; top: 0; background: var(--bg-alt); color: var(--text-muted); font-size: .72rem; text-transform: uppercase; letter-spacing: .03em; }
.nb-table tbody th { text-align: left; font-weight: 600; color: var(--navy); }
.nb-table .nb-pos { color: var(--success); font-weight: 700; }
.nb-table .nb-neg { color: #9A6B12; font-weight: 700; }

.nb-note { margin-top: 1.1rem; padding: .9rem 1.1rem; border-radius: var(--r); background: #FBF4E4; border: 1px solid #EBD9AE; color: #6B4E0F; font-size: .86rem; line-height: 1.55; }
.nb-note:empty { display: none; }

@media (max-width: 960px) {
  .nb-kpis { grid-template-columns: 1fr 1fr; }
  .nb-verdict { grid-column: 1 / -1; }
}
@media (max-width: 640px) {
  .nb-chart-wrap { padding: 1rem; }
  .nb-kpis { grid-template-columns: minmax(0, 1fr); }
}

/* Upozornění v kalkulačce Splácet rychleji, nebo investovat? */
.calc-warning--box { margin: 0 0 1.25rem; padding: .95rem 1.15rem; border-radius: var(--r); background: #FDECEC; border: 1px solid #F4C2C2; color: #9B1C1C; text-align: left; line-height: 1.55; font-weight: 500; }

/* ================================================================
   Menu: rozbalovací Kalkulačky
================================================================ */
.nav-links a[aria-current="true"] { color: #fff; }
.nav-dd { position: relative; display: flex; align-items: center; gap: .15rem; }
.nav-dd-toggle {
  display: grid; place-items: center; width: 22px; height: 22px; padding: 0;
  background: none; border: 0; border-radius: .35rem; color: rgba(255,255,255,.7); cursor: pointer;
  transition: color .2s, transform .2s;
}
.nav-dd-toggle:hover { color: #fff; }
.nav-dd.open .nav-dd-toggle, .nav-dd:hover .nav-dd-toggle { transform: rotate(180deg); color: #fff; }
.nav-dd-menu {
  position: absolute; top: 100%; left: 50%; transform: translate(-50%, 6px);
  min-width: 270px; padding: .5rem; list-style: none;
  background: #fff; border-radius: var(--r); box-shadow: var(--shadow-lg); border: 1px solid var(--border);
  opacity: 0; visibility: hidden; transition: opacity .15s, transform .15s, visibility .15s;
}
/* neviditelný „most“, aby menu nezmizelo při přejezdu myší */
.nav-dd-menu::before { content: ''; position: absolute; left: 0; right: 0; top: -14px; height: 14px; }
.nav-dd:hover .nav-dd-menu, .nav-dd.open .nav-dd-menu { opacity: 1; visibility: visible; transform: translate(-50%, 12px); }
.nav-links .nav-dd-menu a {
  display: block; padding: .6rem .8rem; border-radius: .6rem;
  color: var(--navy); font-size: .88rem; font-weight: 500; white-space: nowrap;
}
.nav-links .nav-dd-menu a:hover, .nav-links .nav-dd-menu a[aria-current="page"] { background: var(--bg-alt); color: var(--navy); }

/* mobilní menu – podpoložky a dlouhý obsah */
.mobile-menu { justify-content: safe center; overflow-y: auto; gap: 1.1rem; padding: 4.5rem 1.5rem 2rem; }
.mm-sub { list-style: none; display: flex; flex-direction: column; align-items: center; gap: .55rem; margin-top: -.35rem; }
.mobile-menu .mm-sub a { font-size: .95rem; font-weight: 500; color: rgba(255,255,255,.72); }
.mobile-menu [aria-current="page"], .mobile-menu [aria-current="true"] { text-decoration: underline; text-underline-offset: 6px; }

/* ================================================================
   Kalkulačky – rozcestník a stránka kalkulačky
================================================================ */
.calc-breadcrumbs { padding-top: 2rem; }
.calc-breadcrumbs .breadcrumbs { margin-bottom: 0; }
#page-calc > .calc-breadcrumbs + .section { padding-top: 2.5rem; }
.calc-cards { list-style: none; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; margin-top: 2.5rem; }
.calc-card-link {
  display: flex; align-items: center; gap: .9rem; height: 100%;
  padding: 1.1rem 1.25rem; background: var(--bg); border: 1px solid var(--border); border-radius: var(--r);
  color: var(--navy); transition: border-color .2s, box-shadow .2s, transform .2s;
}
.calc-card-link:hover { border-color: rgba(var(--navy-rgb),.25); box-shadow: var(--shadow); transform: translateY(-2px); }
.calc-card-link--big { flex-direction: column; align-items: flex-start; gap: .6rem; padding: 1.6rem; border-radius: var(--r-lg); }
.calc-card-icon { width: 48px; height: 48px; border-radius: 50%; display: grid; place-items: center; background: var(--navy); color: #fff; margin-bottom: .35rem; }
.calc-card-name { font-weight: 800; font-size: 1.05rem; letter-spacing: -.01em; }
.calc-card-link:not(.calc-card-link--big) .calc-card-name { flex: 1; font-size: .95rem; font-weight: 700; }
.calc-card-desc { color: var(--text-muted); font-size: .9rem; line-height: 1.6; flex: 1; }
.calc-card-more { font-weight: 700; font-size: .88rem; color: var(--blue-strong); }
.calc-card-go { color: var(--blue-strong); font-weight: 700; }
.calc-cards--small { grid-template-columns: repeat(3, minmax(0, 1fr)); margin-top: 1.5rem; }
.calc-more { padding: 3.5rem 0; }
.calc-more-title { font-size: 1.35rem; text-align: center; }

/* ================================================================
   Blog
================================================================ */
.blog-list { list-style: none; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.5rem; margin-top: 2.5rem; }
.post-card {
  display: flex; flex-direction: column; height: 100%; overflow: hidden;
  background: var(--bg); border: 1px solid var(--border); border-radius: var(--r-lg);
  color: var(--navy); transition: box-shadow .2s, transform .2s, border-color .2s;
}
.post-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: rgba(var(--navy-rgb),.22); }
.post-card-img { aspect-ratio: 16 / 9; background: linear-gradient(135deg, var(--navy-mid), var(--navy)); display: grid; place-items: center; color: rgba(255,255,255,.85); }
.post-card-img img { width: 100%; height: 100%; object-fit: cover; }
.post-card-body { display: flex; flex-direction: column; gap: .55rem; padding: 1.35rem 1.4rem 1.5rem; flex: 1; }
.post-meta { display: flex; flex-wrap: wrap; gap: .35rem .75rem; font-size: .76rem; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: .04em; }
.post-meta .post-cat { color: var(--blue-strong); }
.post-card-title { font-size: 1.12rem; font-weight: 800; line-height: 1.35; letter-spacing: -.01em; }
.post-card-excerpt { font-size: .9rem; line-height: 1.6; color: var(--text-muted); flex: 1; }
.post-card-more { font-weight: 700; font-size: .86rem; color: var(--blue-strong); }
.empty-state { margin-top: 2.5rem; padding: 2.5rem; text-align: center; border: 1px dashed rgba(var(--navy-rgb),.25); border-radius: var(--r-lg); color: var(--text-muted); }
.empty-state strong { display: block; color: var(--navy); font-size: 1.1rem; margin-bottom: .4rem; }

.article { max-width: 760px; margin: 0 auto; }
.article-head { margin-bottom: 2rem; }
.article-head .post-meta { margin-bottom: .9rem; }
.article .prose { max-width: none; font-size: 1.02rem; }
.article .prose h2 { margin-top: 2.25rem; }
.article .prose ul, .article .prose ol { padding-left: 1.3rem; }
.article .prose li { margin-bottom: .4rem; }
.article .prose a { color: var(--blue-strong); text-decoration: underline; text-underline-offset: 3px; }
.article .prose strong { color: var(--navy); }
.prose-tip { margin: 1.5rem 0; padding: 1.1rem 1.25rem; background: var(--tint); border-left: 4px solid var(--blue-strong); border-radius: .6rem; color: var(--navy); }
.article-tool { margin-top: 2.5rem; padding: 1.5rem 1.6rem; border-radius: var(--r-lg); background: var(--bg-alt); border-left: 4px solid var(--blue-strong); }
.article-tool strong { display: block; font-size: 1.1rem; color: var(--navy); margin-bottom: .35rem; }
.article-tool p { color: var(--text-muted); line-height: 1.65; margin-bottom: 1rem; }
.article-tool-btns { display: flex; flex-wrap: wrap; gap: .75rem; }
@media (max-width: 560px) { .article-tool-btns .btn { width: 100%; } }
.article-cta { margin-top: 3rem; padding: 2rem; border-radius: var(--r-lg); background: var(--navy); color: #fff; text-align: center; }
.article-cta p { color: rgba(255,255,255,.85); margin-bottom: 1.25rem; line-height: 1.6; }
.article-cta strong { display: block; color: #fff; font-size: 1.2rem; margin-bottom: .5rem; }
.article-more { margin-top: 3.5rem; }
.article-more .blog-list { grid-template-columns: repeat(2, minmax(0, 1fr)); margin-top: 1.25rem; }

/* ================================================================
   Vlog / podcast
================================================================ */
.media-tabs { display: flex; gap: .5rem; margin-top: 2rem; }
.video-list { list-style: none; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.5rem; margin-top: 1.5rem; }
.video-thumb { position: relative; display: block; aspect-ratio: 16 / 9; border-radius: var(--r); overflow: hidden; background: var(--navy); }
.video-thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .3s; }
.video-thumb:hover img { transform: scale(1.04); }
.video-play { position: absolute; inset: 0; display: grid; place-items: center; }
.video-play span { width: 56px; height: 56px; border-radius: 50%; background: rgba(255,255,255,.92); display: grid; place-items: center; color: var(--navy); box-shadow: var(--shadow); }
.video-title { margin-top: .8rem; font-weight: 800; font-size: 1rem; color: var(--navy); line-height: 1.35; }
.video-desc { margin-top: .3rem; font-size: .88rem; color: var(--text-muted); line-height: 1.55; }
.media-heading { font-size: 1.35rem; font-weight: 800; color: var(--navy); margin-top: 3rem; }
.episode-list { list-style: none; margin-top: 1.25rem; display: flex; flex-direction: column; gap: .75rem; }
.episode { display: flex; align-items: center; gap: 1rem; padding: 1rem 1.2rem; border: 1px solid var(--border); border-radius: var(--r); color: var(--navy); }
.episode:hover { border-color: rgba(var(--navy-rgb),.25); box-shadow: var(--shadow-sm); }
.episode-no { flex: none; width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center; background: var(--tint); font-weight: 800; }
.episode-title { font-weight: 700; }
.episode-sub { font-size: .82rem; color: var(--text-muted); }
.media-follow { display: flex; flex-wrap: wrap; gap: .75rem; justify-content: center; margin-top: 1.5rem; }

@media (max-width: 960px) {
  .calc-cards--small, .blog-list, .video-list { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 640px) {
  .calc-cards, .calc-cards--small, .blog-list, .video-list, .article-more .blog-list { grid-template-columns: minmax(0, 1fr); }
  .calc-breadcrumbs { padding-top: 1.25rem; }
  .article-cta { padding: 1.5rem 1.25rem; }
}
.article-img { width: 100%; height: auto; border-radius: var(--r-lg); margin-bottom: 2rem; }
.article-back { margin-top: 2.5rem; }
.article-back a { color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }

/* Nájem vs. hypotéka – zjednodušená verze */
.nb-hint { font-size: .78rem; color: var(--text-muted); margin-top: .45rem; }
.nb-assumptions { padding: 1rem 1.25rem; }
.nb-assumptions summary { cursor: pointer; font-weight: 700; font-size: .9rem; color: var(--navy); }
.nb-assumptions ul { margin: .9rem 0 0 1.1rem; display: flex; flex-direction: column; gap: .45rem; font-size: .84rem; color: var(--text-muted); line-height: 1.5; }
.nb-assumptions strong { color: var(--navy); }
.nb-verdict-box {
  display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 1.25rem 2rem;
  padding: 1.6rem 1.9rem; border-radius: var(--r-lg); background: var(--navy); color: #fff; margin-bottom: 1.1rem;
}
.nb-verdict-box--rent { background: #3A3326; }
.nb-verdict-label { font-size: .85rem; font-weight: 600; color: #7FD3A8; }
.nb-verdict-box--rent .nb-verdict-label { color: #E8C987; }
.nb-verdict-value { font-size: clamp(1.35rem, 2.6vw, 1.75rem); font-weight: 800; color: #fff; letter-spacing: -.025em; line-height: 1.2; margin: .25rem 0 .4rem; }
.nb-verdict-box .nb-breakeven { font-size: .95rem; color: rgba(255,255,255,.78); margin: 0; }
.nb-verdict-num { text-align: right; padding-left: 2rem; border-left: 1px solid rgba(255,255,255,.16); }
.nb-verdict-diff { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800; letter-spacing: -.04em; line-height: 1; color: #fff; white-space: nowrap; }
.nb-verdict-sub { margin-top: .35rem; font-size: .9rem; color: rgba(255,255,255,.78); }
@media (max-width: 640px) {
  .nb-verdict-box { grid-template-columns: 1fr; padding: 1.35rem 1.35rem; }
  .nb-verdict-num { text-align: left; padding: 1rem 0 0; border-left: 0; border-top: 1px solid rgba(255,255,255,.16); }
}
.nb-compare { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1.1rem; }
.nb-side { padding: 1.25rem 1.35rem; border: 1px solid var(--border); border-radius: var(--r); background: var(--bg); }
.nb-side-title { display: flex; align-items: center; gap: .5rem; font-weight: 800; color: var(--navy); margin-bottom: .9rem; }
.nb-side-label { font-size: .74rem; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; color: var(--text-muted); margin-top: .8rem; }
.nb-side-value { font-size: 1.25rem; font-weight: 800; color: var(--navy); }
.nb-side-value--big { font-size: 1.5rem; }
.nb-side-sub { font-size: .76rem; color: var(--text-muted); line-height: 1.45; }
.nb-chart-title { font-weight: 700; color: var(--navy); font-size: .95rem; margin-bottom: .75rem; }
.nb-table-details { margin-top: 1rem; border-top: 1px solid var(--border); padding-top: .9rem; }
.nb-table-details summary { cursor: pointer; font-weight: 600; font-size: .88rem; color: var(--navy); }
.nb-table-details .nb-table-scroll { margin-top: .75rem; }
.nb-stepper .calc-unit { min-width: 3.4rem; }
@media (max-width: 640px) { .nb-compare { grid-template-columns: 1fr; } }

/* Rezervace termínu – karta místo vloženého kalendáře */
.booking-card { flex: 1; display: flex; flex-direction: column; justify-content: center; align-items: center; text-align: center; gap: 1rem; padding: 2rem 1.5rem; border-radius: var(--r); background: var(--bg-alt); }
.booking-icon { width: 64px; height: 64px; border-radius: 50%; display: grid; place-items: center; background: var(--navy); color: #fff; }
.booking-title { font-size: 1.25rem; font-weight: 800; color: var(--navy); }
.booking-list { list-style: none; display: flex; flex-direction: column; gap: .5rem; font-size: .92rem; color: var(--text-muted); }
.booking-list li::before { content: '✓'; color: var(--blue-strong); font-weight: 800; margin-right: .5rem; }
.booking-card .btn { margin-top: .5rem; }
.booking-note { font-size: .78rem; color: var(--text-muted); }
.booking-card { min-height: 420px; }

/* ================================================================
   Horní pruh: pracovní sešit FIT finance ke stažení
   Zobrazí se jen s JS a dokud ho návštěvník nezavře (třída html.has-promo).
================================================================ */
.promo-bar { display: none; }
html.has-promo { --promo-h: 48px; }
html.has-promo .promo-bar {
  display: flex; align-items: center; justify-content: center; gap: 1rem;
  position: fixed; top: 0; left: 0; right: 0; z-index: 101; height: var(--promo-h);
  padding: 0 3rem 0 1rem; background: #237A52; color: #fff; font-size: .88rem;
}
.promo-text { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.promo-text strong { font-weight: 800; }
.promo-short { display: none; }
.promo-btn {
  flex: none; padding: .38rem .95rem; border-radius: .55rem; background: #fff; color: var(--navy);
  font-weight: 700; font-size: .84rem; transition: transform .15s;
}
.promo-btn:hover { transform: translateY(-1px); }
.promo-close {
  position: absolute; right: .6rem; top: 50%; transform: translateY(-50%);
  width: 32px; height: 32px; display: grid; place-items: center; border: 0; border-radius: 50%;
  background: transparent; color: #fff; font-size: 1.3rem; line-height: 1; cursor: pointer; opacity: .8;
}
.promo-close:hover { opacity: 1; background: rgba(255,255,255,.12); }
.promo-bar :focus-visible { outline: 2px solid #fff; outline-offset: 2px; }
@media (max-width: 760px) {
  .promo-long { display: none; }
  .promo-short { display: inline; }
  html.has-promo .promo-bar { font-size: .82rem; gap: .6rem; justify-content: flex-start; }
}


/* Ke stažení */
.dl-list { list-style: none; display: flex; flex-direction: column; gap: 1rem; margin-top: 2.5rem; }
.dl-card { display: flex; align-items: center; gap: 1.25rem; padding: 1.4rem 1.5rem; border: 1px solid var(--border); border-radius: var(--r-lg); background: var(--bg); }
.dl-icon { flex: none; width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: var(--navy); color: #fff; }
.dl-body { flex: 1; min-width: 0; }
.dl-title { font-size: 1.15rem; font-weight: 800; color: var(--navy); margin: .3rem 0 .35rem; }
.dl-desc { font-size: .9rem; color: var(--text-muted); line-height: 1.6; }
.dl-btn { flex: none; }
.dl-soon { flex: none; padding: .55rem 1rem; border-radius: 999px; background: var(--bg-alt); color: var(--text-muted); font-size: .82rem; font-weight: 700; }
.dl-card--soon .dl-icon { background: var(--bg-alt); color: var(--text-muted); }
@media (max-width: 640px) {
  .dl-card { flex-wrap: wrap; }
  .dl-btn { width: 100%; }
}

/* Menu se 7 položkami – na užších obrazovkách těsněji, bez zalamování */
.nav-links a { white-space: nowrap; }
@media (max-width: 1240px) {
  .nav-links { gap: 1.15rem; }
  .nav-links a { font-size: .82rem; }
  .btn-nav { padding: .5rem .9rem; font-size: .8rem; }
  .nav-inner { gap: 1rem; }
}

/* Stránka PDF */
.dl-title a { color: inherit; }
.dl-title a:hover { text-decoration: underline; text-underline-offset: 3px; }
.pdf-grid { display: grid; grid-template-columns: minmax(0, 1fr) 380px; gap: 3rem; align-items: start; }
.pdf-lead { margin-bottom: .9rem; }
.pdf-h2 { font-size: 1.25rem; font-weight: 800; color: var(--navy); margin: 2rem 0 .8rem; }
.pdf-points { list-style: none; display: grid; gap: .55rem; }
.pdf-points li { position: relative; padding-left: 1.7rem; color: var(--navy); line-height: 1.55; }
.pdf-points li::before { content: '✓'; position: absolute; left: 0; top: 0; color: var(--blue-strong); font-weight: 800; }
.pdf-for { color: var(--text-muted); line-height: 1.7; }
.pdf-author { display: flex; gap: 1rem; align-items: center; margin-top: 2rem; padding: 1rem 1.2rem; border-radius: var(--r); background: var(--bg-alt); }
.pdf-author img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; }
.pdf-author p { font-size: .88rem; color: var(--text-muted); line-height: 1.55; }
.pdf-author strong { color: var(--navy); }
.pdf-side { position: sticky; top: calc(var(--nav-h) + var(--promo-h) + 1.5rem); }
.pdf-form-card { padding: 1.75rem; }
.pdf-form-title { font-size: 1.2rem; font-weight: 800; color: var(--navy); }
.pdf-form-sub { font-size: .88rem; color: var(--text-muted); line-height: 1.55; margin: .4rem 0 1.2rem; }
.pdf-form .form-checkbox { margin-bottom: .8rem; }
.pdf-done { text-align: center; display: grid; gap: .8rem; color: var(--text-muted); }
.pdf-done-title { font-size: 1.1rem; font-weight: 800; color: var(--success); }
.pdf-more { margin-top: 4rem; }
@media (max-width: 960px) {
  .pdf-grid { grid-template-columns: minmax(0, 1fr); gap: 2rem; }
  .pdf-side { position: static; }
}
.pdf-jump { display: none; margin-top: .5rem; }
@media (max-width: 960px) { .pdf-jump { display: inline-flex; } }

/* ── Stránky služeb (/hypoteka-ostrava …) ─────────────────────── */
.svc-hero { max-width: 820px; }
.svc-hero-btns { display: flex; flex-wrap: wrap; gap: .85rem; margin-top: 1.75rem; }
.svc-trust { list-style: none; display: flex; flex-wrap: wrap; gap: .6rem 1.75rem; margin-top: 1.75rem; font-size: .88rem; color: var(--text-muted); }
.svc-trust strong { color: var(--navy); }
.svc-grid { display: grid; grid-template-columns: minmax(0, 1fr) 360px; gap: 3.5rem; align-items: start; margin-top: 3rem; padding-top: 2.5rem; border-top: 1px solid var(--border); }
.svc-prose { max-width: none; font-size: 1rem; }
.svc-prose h2:first-child { margin-top: 0; }
.svc-prose a { color: var(--blue-strong); }
.svc-prose ol { padding-left: 1.3rem; margin-bottom: 1rem; }
.svc-prose ol li { margin-bottom: .45rem; }
.svc-side { position: sticky; top: calc(var(--nav-h) + var(--promo-h) + 1.5rem); }
.svc-side-card { background: var(--bg-alt); border-radius: var(--r-lg); padding: 1.6rem; }
.svc-side-title { font-weight: 800; font-size: 1.1rem; color: var(--navy); margin-bottom: 1rem; }
.svc-steps { list-style: none; counter-reset: svc; display: grid; gap: .9rem; margin-bottom: 1.4rem; }
.svc-steps li { counter-increment: svc; position: relative; padding-left: 2.4rem; display: grid; gap: .15rem; font-size: .88rem; line-height: 1.5; color: var(--text-muted); }
.svc-steps li::before { content: counter(svc); position: absolute; left: 0; top: 0; width: 1.7rem; height: 1.7rem; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; font-size: .8rem; display: grid; place-items: center; }
.svc-steps strong { color: var(--navy); font-size: .95rem; }
.svc-side-note { text-align: center; font-size: .85rem; color: var(--text-muted); margin-top: .75rem; }
.svc-side-note a { color: var(--navy); font-weight: 700; }
.svc-block { margin-top: 3.5rem; }
.svc-faq { max-width: none; margin-top: 1.25rem; }
.svc-cta { margin-top: 3.5rem; }
.svc-others { display: flex; flex-wrap: wrap; gap: .5rem 1.25rem; margin-top: 2rem; font-size: .9rem; color: var(--text-muted); }
.svc-others a { color: var(--navy); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
@media (max-width: 960px) {
  .svc-grid { grid-template-columns: minmax(0, 1fr); gap: 2rem; }
  .svc-side { position: static; }
}
@media (max-width: 560px) {
  .svc-hero-btns .btn { width: 100%; }
}

/* Karty služeb na úvodní stránce */
.svc-cards { list-style: none; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.25rem; margin: 0 auto 3rem; max-width: 1100px; text-align: left; }
@media (max-width: 860px) { .svc-cards { grid-template-columns: minmax(0, 1fr); } }

/* Box o autorovi */
.author-box { display: flex; gap: 1.1rem; align-items: flex-start; padding: 1.4rem 1.5rem; border-radius: var(--r-lg); background: var(--bg-alt); }
.author-box img { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.author-box-name { font-weight: 800; font-size: 1.05rem; }
.author-box-name a { color: var(--navy); text-decoration: none; }
.author-box-role { font-size: .82rem; color: var(--blue-strong); font-weight: 600; margin: .15rem 0 .5rem; }
.author-box-text { font-size: .9rem; color: var(--text-muted); line-height: 1.6; }
.author-box-more { display: inline-block; margin-top: .5rem; font-weight: 700; font-size: .88rem; color: var(--blue-strong); }
.article .author-box { margin-top: 2.5rem; }

/* O mně */
.about-grid { display: grid; grid-template-columns: 420px minmax(0, 1fr); gap: 3.5rem; align-items: start; }
.about-photo { position: sticky; top: calc(var(--nav-h) + var(--promo-h) + 1.5rem); }
.about-photo img { width: 100%; height: auto; aspect-ratio: 4 / 5; object-fit: cover; object-position: 60% center; border-radius: var(--r-lg); }
.about-facts { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: .6rem; margin-top: 1rem; }
.about-facts li { background: var(--bg-alt); border-radius: var(--r); padding: .8rem .6rem; text-align: center; display: grid; gap: .15rem; }
.about-facts strong { color: var(--navy); font-size: 1.1rem; }
.about-facts span { font-size: .75rem; color: var(--text-muted); line-height: 1.35; }
.about-prose { max-width: 760px; font-size: 1rem; }
.about-prose .page-lead { margin-bottom: 1rem; }
.about-prose a { color: var(--blue-strong); }
.about-prose .btn { text-decoration: none; }
.about-prose .btn-primary { color: #fff; }
@media (max-width: 960px) {
  .about-grid { grid-template-columns: minmax(0, 1fr); gap: 2rem; }
  .about-photo { position: static; max-width: 480px; }
}
.article-cta-btns { display: flex; flex-wrap: wrap; gap: .75rem; justify-content: center; }
@media (max-width: 560px) { .article-cta-btns .btn { width: 100%; } }
@media (min-width: 781px) and (max-width: 1080px) {
  .footer-top { grid-template-columns: 1fr 1fr; }
}

/* ── Kalkulačka Splácet, nebo investovat: přehledné srovnání ──── */
.p-result.hidden { display: none; }
.p-winner { border-radius: var(--r-lg); padding: 1.5rem 1.6rem; text-align: center; background: var(--bg-alt); border: 2px solid var(--border); }
.p-winner.is-b, .p-winner.is-a { background: var(--tint); border-color: var(--blue-strong); }
.p-winner-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--blue-strong); }
.p-winner-title { font-size: 1.25rem; font-weight: 800; color: var(--navy); margin-top: .3rem; }
.p-winner-amount { font-size: 2rem; font-weight: 800; color: var(--blue-strong); letter-spacing: -.02em; margin-top: .35rem; line-height: 1.2; }
.p-winner.is-even .p-winner-amount { font-size: 1.15rem; color: var(--navy); }
.p-winner-why { font-size: .9rem; color: var(--text-muted); line-height: 1.6; margin: .75rem auto 0; max-width: 560px; }
.p-same { font-size: .9rem; color: var(--text-muted); line-height: 1.6; margin: 1.25rem 0 1rem; text-align: center; }
.p-same strong { color: var(--navy); }
.p-table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--r-lg); }
.p-table { width: 100%; border-collapse: collapse; font-size: .92rem; min-width: 480px; }
.p-table th, .p-table td { padding: .8rem 1rem; border-bottom: 1px solid var(--border); text-align: right; vertical-align: middle; }
.p-table thead th { background: var(--bg-alt); color: var(--navy); font-size: .82rem; font-weight: 800; text-align: right; line-height: 1.35; }
.p-table thead th.is-winner { background: var(--navy); color: #fff; }
.p-table thead th.is-winner::before { content: '✓ '; }
.p-table tbody th { text-align: left; font-weight: 600; color: var(--navy); }
.p-th-note { display: block; font-weight: 400; font-size: .75rem; color: var(--text-muted); }
.p-table td { font-weight: 700; color: var(--navy); white-space: nowrap; }
.p-table td.is-cost { color: #B42318; }
.p-table td.is-gain { color: var(--success); }
.p-table tr.p-total th, .p-table tr.p-total td { border-bottom: 0; background: var(--bg-alt); font-size: 1.02rem; font-weight: 800; }
@media (max-width: 560px) {
  .p-winner-amount { font-size: 1.6rem; }
  .p-table th, .p-table td { padding: .7rem .65rem; }
}
.svc-cards--home { margin-bottom: 0; }

.p-refi { display: flex; gap: 1rem; align-items: flex-start; margin-bottom: 1.25rem; padding: 1.25rem 1.35rem; border-radius: var(--r-lg); background: #FFF4E5; border: 1px solid #F5C98B; }
.p-refi.hidden, .p-tip.hidden { display: none; }
.p-refi-icon { flex-shrink: 0; width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center; background: #B45309; color: #fff; }
.p-refi-title { font-weight: 800; color: #7A3E06; font-size: 1.02rem; line-height: 1.4; }
.p-refi-text { font-size: .9rem; color: #6B4A1E; line-height: 1.6; margin-top: .35rem; }
.p-refi-btns { display: flex; flex-wrap: wrap; align-items: center; gap: .75rem 1.25rem; margin-top: .9rem; }
.p-refi-link { font-weight: 700; font-size: .9rem; color: #7A3E06; text-decoration: underline; text-underline-offset: 3px; }
.p-tip { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: .75rem 1.25rem; margin-top: 1rem; padding: 1rem 1.2rem; border-radius: var(--r); background: var(--bg-alt); border-left: 4px solid var(--blue-strong); }
.p-tip p { flex: 1 1 320px; font-size: .9rem; color: var(--text-muted); line-height: 1.6; }
.p-tip strong { color: var(--navy); }
.btn-sm { padding: .55rem 1.1rem; font-size: .88rem; border-radius: .7rem; }
.article-img { aspect-ratio: 16 / 9; object-fit: cover; }
.post-card-img picture { display: block; width: 100%; height: 100%; }

/* ── Nabídka schůzky po chvíli na webu ─────────────────────────── */
.nudge { position: fixed; right: 1.25rem; bottom: 1.25rem; z-index: 140; width: min(360px, calc(100vw - 2rem)); background: var(--bg); border: 1px solid var(--border); border-radius: var(--r-lg); box-shadow: var(--shadow-lg); padding: 1.25rem 1.25rem 1.1rem; opacity: 0; transform: translateY(16px); transition: opacity .3s ease, transform .3s ease; }
.nudge.is-open { opacity: 1; transform: none; }
.nudge[hidden] { display: none; }
.nudge-close { position: absolute; top: .5rem; right: .6rem; width: 32px; height: 32px; border: 0; background: none; font-size: 1.4rem; line-height: 1; color: var(--text-muted); cursor: pointer; border-radius: 50%; }
.nudge-close:hover { background: var(--bg-alt); color: var(--navy); }
.nudge-head { display: flex; gap: .8rem; align-items: center; padding-right: 1.5rem; }
.nudge-head img { width: 52px; height: 52px; border-radius: 50%; object-fit: cover; }
.nudge-title { font-weight: 800; color: var(--navy); font-size: 1.02rem; line-height: 1.3; }
.nudge-name { font-size: .78rem; color: var(--text-muted); margin-top: .1rem; }
.nudge-text { font-size: .88rem; color: var(--text-muted); line-height: 1.55; margin: .8rem 0 1rem; }
.nudge-btns { display: flex; align-items: center; gap: 1rem; }
.nudge-btns .btn { padding: .7rem 1.3rem; }
.nudge-later { border: 0; background: none; font: inherit; font-size: .88rem; font-weight: 600; color: var(--text-muted); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
@media (max-width: 560px) {
  .nudge { right: .75rem; left: .75rem; bottom: .75rem; width: auto; }
}
@media (prefers-reduced-motion: reduce) { .nudge { transition: none; } }
/* Graf „peníze v kapse“ */
.p-pocket { margin-top: 1.5rem; padding: 1.5rem; border: 1px solid var(--border); border-radius: var(--r-lg); background: var(--bg); }
.p-pocket.hidden { display: none; }
.p-pocket-title { font-size: 1.15rem; font-weight: 800; color: var(--navy); }
.p-pocket-lead { font-size: .92rem; color: var(--text-muted); line-height: 1.65; margin: .4rem 0 1rem; }
.p-pocket-note { font-size: .9rem; color: var(--navy); line-height: 1.6; margin-top: .9rem; padding: .85rem 1rem; background: var(--tint); border-radius: var(--r); }
.p-chart-legend { display: flex; flex-wrap: wrap; gap: .4rem 1.25rem; font-size: .8rem; color: var(--text-muted); margin-bottom: .5rem; }
.p-chart-legend span { display: inline-flex; align-items: center; gap: .45rem; }
.sw { display: inline-block; width: 18px; height: 0; border-top: 3px solid; flex-shrink: 0; }
.sw-bar, .sw-bar-dark { width: 12px; height: 12px; border: 0; border-radius: 3px; background: #7CC7A0; }
.sw-bar-dark { background: #1E7A4C; }
.p-chart { position: relative; }
.p-chart svg { display: block; overflow: visible; }
.pc-grid { stroke: rgba(var(--navy-rgb), .08); stroke-width: 1; }
.pc-axis { font-size: 11px; fill: var(--text-muted); font-family: inherit; }
.p-chart-tip { position: absolute; top: 8px; pointer-events: none; background: var(--bg); border: 1px solid var(--border); box-shadow: var(--shadow); border-radius: .6rem; padding: .6rem .75rem; font-size: .78rem; color: var(--navy); display: grid; gap: .25rem; min-width: 210px; z-index: 2; }
.p-chart-tip.hidden { display: none; }
.p-chart-tip span { display: flex; align-items: center; gap: .4rem; white-space: nowrap; }
.pc-tip-a { color: var(--text-muted); }
@media (max-width: 560px) { .p-pocket { padding: 1.1rem; } }
.pc-label { font-size: 11px; font-weight: 700; fill: var(--navy); font-family: inherit; paint-order: stroke; stroke: #fff; stroke-width: 4px; stroke-linejoin: round; }
.p-pocket-tiles { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; margin: .9rem 0 1rem; }
.p-pocket-tile { border-radius: var(--r); padding: 1rem 1.1rem; background: var(--bg-alt); text-align: center; }
.p-pocket-tile.is-b { background: var(--tint); }
.p-pocket-tile-label { font-size: .75rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--text-muted); }
.p-pocket-tile-value { font-size: 1.6rem; font-weight: 800; color: var(--navy); margin-top: .25rem; letter-spacing: -.02em; }
.p-pocket-tile.is-b .p-pocket-tile-value { color: #1E7A4C; }
.p-pocket-tile-sub { font-size: .8rem; color: var(--text-muted); margin-top: .1rem; }
.pc-bar { fill: #7CC7A0; transition: opacity .15s; }
.pc-bar-dark { fill: #1E7A4C; transition: opacity .15s; }
.pc-bar.is-dim, .pc-bar-dark.is-dim { opacity: .45; }
.pc-tip-ok { color: #1E7A4C; font-weight: 700; }
.p-chart-legend [hidden] { display: none; }
@media (max-width: 480px) { .p-pocket-tile-value { font-size: 1.3rem; } }

/* Nájem vs. hypotéka – přehlednější rozpis */
.nb-breakeven { font-size: .9rem; color: var(--text-muted); margin-top: .5rem; line-height: 1.55; }
.nb-breakeven:empty { display: none; }
.nb-rows { margin: .55rem 0 1.1rem; display: grid; gap: .3rem; }
.nb-rows > div { display: flex; justify-content: space-between; gap: .75rem; font-size: .84rem; line-height: 1.4; padding: .3rem 0; border-bottom: 1px dashed var(--border); }
.nb-rows > div:last-child { border-bottom: 0; }
.nb-rows dt { color: var(--text-muted); }
.nb-rows dd { color: var(--navy); font-weight: 700; white-space: nowrap; text-align: right; }
.nb-rows .is-good dd, .nb-rows .is-good dt { color: var(--success); }
.nb-why { margin-bottom: 1.1rem; padding: 1.1rem 1.25rem; border-radius: var(--r); background: var(--bg-alt); border-left: 4px solid var(--navy); }
.nb-why-title { font-weight: 800; color: var(--navy); margin-bottom: .35rem; }
.nb-why p:last-child { font-size: .9rem; color: var(--text-muted); line-height: 1.65; }
.nb-legend--top { justify-content: flex-start; margin: 0 0 .75rem; }
.prose-table { overflow-x: auto; margin: 1rem 0 1.25rem; border: 1px solid var(--border); border-radius: var(--r); }
.prose-table table { min-width: 0; }
.prose-table td:last-child, .prose-table th:last-child { text-align: right; white-space: nowrap; }
.article-inline-cta { display: flex; flex-wrap: wrap; align-items: center; gap: .75rem 1.25rem; margin: 1.25rem 0 1.75rem; padding: 1.25rem 1.35rem; border-radius: var(--r-lg); background: var(--tint); }
.article .prose .article-inline-cta .btn { color: #fff; text-decoration: none; }
.article .prose .article-inline-link { font-weight: 700; color: var(--navy); }

/* ── Úklid vzhledu (méně „krabicový“ výsledek kalkulačky) ───────── */
.post-card-img { overflow: hidden; }
.p-refi { display: block; padding: 1rem 1.15rem; border-radius: .6rem; background: #FFF8EE; border: 0; border-left: 3px solid #C2410C; }
.p-refi-title { font-size: .98rem; font-weight: 700; color: #7A2E0B; }
.p-refi-text { color: #5B4636; }
.p-refi-btns { margin-top: .6rem; gap: .4rem 1.25rem; }
.p-refi-cta { font-weight: 700; font-size: .92rem; color: #9A3412; text-decoration: underline; text-underline-offset: 3px; }
.p-refi-link { color: #5B4636; font-weight: 600; }
.p-winner, .p-winner.is-a, .p-winner.is-b { text-align: left; background: var(--bg); border: 1px solid var(--border); border-radius: var(--r); padding: 1.25rem 1.35rem; box-shadow: none; }
.p-winner.is-a, .p-winner.is-b { border-top: 3px solid var(--blue-strong); }
.p-winner-label { font-size: .72rem; color: var(--text-muted); letter-spacing: .06em; }
.p-winner-title { font-size: 1.05rem; margin-top: .2rem; }
.p-winner-amount { font-size: 1.85rem; margin-top: .15rem; }
.p-winner-why { margin: .5rem 0 0; max-width: none; }
.p-same { text-align: left; }
.p-pocket { border-radius: var(--r); }
.p-pocket-tile, .p-pocket-tile.is-b { text-align: left; background: var(--bg); border: 1px solid var(--border); }
.p-pocket-tile.is-b { border-top: 3px solid #1E7A4C; }
.p-pocket-note { background: none; border-left: 3px solid var(--blue-strong); border-radius: 0; padding: .2rem 0 .2rem .9rem; }
.p-tip { background: none; border: 1px solid var(--border); border-left: 3px solid var(--blue-strong); }
@media (max-width: 640px) {
  .chart-wrap { padding: .9rem .75rem; }
  .chart-legend { display: grid; grid-template-columns: 1fr 1fr; gap: .4rem; }
  .legend-btn { justify-content: flex-start; padding: .35rem .6rem; font-size: .72rem; }
  .legend-btn:first-child { grid-column: 1 / -1; }
  .p-winner-amount { font-size: 1.5rem; }
}
.p-winner.is-a, .p-winner.is-b, .p-pocket-tile.is-b { border-radius: .5rem; }
@media (max-width: 480px) { .p-pocket-tiles { grid-template-columns: minmax(0, 1fr); } }
.post-card-img { position: relative; }
.post-card-img picture, .post-card-img > img { position: absolute; inset: 0; width: 100%; height: 100%; }
.post-card-img picture img { width: 100%; height: 100%; object-fit: cover; display: block; }