/* =========================================================================
   DÔCHODKOVÁ PROGNÓZA — dizajnový systém
   Cieľ: moderný, čistý, dôveryhodný vzhľad (aby človek zadal svoje údaje).
   ========================================================================= */
@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800&display=swap');

:root {
  /* Farby — dôvera (navy/blue) + akcenty */
  --navy: #0d2745;
  --navy-2: #123a67;
  --blue: #1f6fe0;
  --blue-dark: #1857b8;
  --blue-soft: #eaf2fe;
  --green: #129d77;
  --green-soft: #e6f7f1;
  --amber: #e0952a;
  --amber-soft: #fdf3e2;
  --red: #d64545;
  --red-soft: #fceaea;

  --ink: #14212e;
  --ink-2: #3d4f61;
  --muted: #64748b;
  --line: #e2e9f1;
  --bg: #ffffff;
  --bg-2: #f4f8fd;
  --bg-3: #eef4fb;

  --radius: 16px;
  --radius-sm: 12px;
  --radius-lg: 22px;
  --green-dark: #0f8a68;
  --shadow-sm: 0 1px 2px rgba(13,39,69,.06), 0 1px 3px rgba(13,39,69,.08);
  --shadow: 0 6px 22px rgba(13,39,69,.10);
  --shadow-lg: 0 18px 50px rgba(13,39,69,.16);

  --font: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --maxw: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
}
img { max-width: 100%; display: block; }
a { color: var(--blue-dark); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 { line-height: 1.2; color: var(--navy); margin: 0 0 .5em; font-weight: 800; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 5vw, 3.1rem); }
h2 { font-size: clamp(1.4rem, 3vw, 1.95rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1rem; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 760px; margin-left: auto; margin-right: auto; }
.section { padding: 72px 0; }
.section--tight { padding: 48px 0; }
.bg-2 { background: var(--bg-2); }
.bg-navy { background: var(--navy); color: #dce8f5; }
.bg-navy h1, .bg-navy h2, .bg-navy h3 { color: #fff; }
.text-center { text-align: center; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; font-weight: 700; color: var(--blue); margin-bottom: .6rem; }
.lead { font-size: 1.2rem; color: var(--ink-2); }
.muted { color: var(--muted); }
.small { font-size: .9rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .5rem;
  font: inherit; font-weight: 700; cursor: pointer;
  padding: .85rem 1.5rem; border-radius: var(--radius-sm); border: 2px solid transparent;
  transition: transform .06s ease, box-shadow .2s ease, background .2s ease;
  text-decoration: none; line-height: 1;
}
.btn:hover { text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--navy-2); color: #fff; box-shadow: 0 6px 18px rgba(18,58,103,.34); }
.btn--primary:hover { background: var(--navy); color: #fff; }
.btn--ghost { background: #fff; color: var(--navy); border-color: var(--line); box-shadow: var(--shadow-sm); }
.btn--ghost:hover { border-color: var(--blue); color: var(--blue-dark); }
.btn--lg { padding: 1.05rem 2rem; font-size: 1.06rem; }
.btn--block { display: flex; width: 100%; justify-content: center; }
.btn--white { background:#fff; color: var(--navy); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; align-items: center; gap: .6rem; font-weight: 800; color: var(--navy); font-size: 1.12rem; }
.brand:hover { text-decoration: none; }
.brand__mark {
  width: 36px; height: 36px; border-radius: 11px;
  background: linear-gradient(135deg, var(--navy-2), var(--blue)); flex: 0 0 auto;
  display: grid; place-items: center; color: #fff; font-weight: 900; font-size: 1.2rem; line-height: 1;
}
.brand__text { display: flex; flex-direction: column; line-height: 1.05; }
.brand__tag {
  font-size: .68rem; font-weight: 700; letter-spacing: .02em; text-transform: uppercase;
  color: var(--muted);
}
.site-footer .brand__tag { color: #9fb6d1; }
.nav__links { display: flex; align-items: center; gap: 1.4rem; list-style: none; margin: 0; padding: 0; }
.nav__links a { color: var(--ink-2); font-weight: 600; font-size: .97rem; }
.nav__links a:hover { color: var(--blue-dark); text-decoration: none; }
.nav__cta { margin-left: .4rem; }
/* CTA v menu je zelené tlačidlo → biely text (inak ho prebije .nav__links a) */
.nav__cta a.btn--primary, .nav__cta a.btn--primary:hover { color: #fff; }
.nav__toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav__toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; border-radius: 2px; transition: .2s; }

@media (max-width: 900px) {
  .nav__toggle { display: block; }
  .nav__links {
    position: absolute; top: 68px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    padding: 10px 20px 20px; box-shadow: var(--shadow);
    display: none;
  }
  .nav__links.open { display: flex; }
  .nav__links a { padding: 12px 4px; border-bottom: 1px solid var(--line); }
  .nav__cta { margin: 12px 0 0; }
}

/* ---------- Rozbaľovacie podmenu v navigácii („Sprievodca") ---------- */
.nav__dd { position: relative; }
.nav__dd-btn {
  display: flex; align-items: center; gap: .35rem;
  background: none; border: 0; cursor: pointer; padding: 0;
  font: inherit; font-weight: 600; font-size: .97rem; color: var(--ink-2);
}
.nav__dd-btn:hover { color: var(--blue-dark); }
.nav__dd-caret { font-size: .65em; transition: transform .15s; }
.nav__dd-menu {
  position: absolute; top: calc(100% + 12px); left: 50%; transform: translateX(-50%);
  min-width: 215px; list-style: none; margin: 0; padding: 8px;
  background: #fff; border: 1px solid var(--line); border-radius: 12px;
  box-shadow: var(--shadow); display: none; z-index: 60;
}
.nav__dd.open .nav__dd-menu { display: block; }
.nav__dd.open .nav__dd-caret { transform: rotate(180deg); }
.nav__dd-menu a { display: block; padding: 9px 12px; border-radius: 8px; white-space: nowrap; }
.nav__dd-menu a:hover { background: var(--bg-2); }
@media (min-width: 901px) {
  /* otvorenie aj prejdením myšou; ::after premosťuje medzeru medzi tlačidlom a menu */
  .nav__dd:hover .nav__dd-menu { display: block; }
  .nav__dd::after { content: ""; position: absolute; left: -10px; right: -10px; top: 100%; height: 14px; }
}
@media (max-width: 900px) {
  .nav__dd-btn { width: 100%; justify-content: space-between; padding: 12px 4px; border-bottom: 1px solid var(--line); }
  .nav__dd-menu { position: static; transform: none; min-width: 0; border: 0; box-shadow: none; border-radius: 0; padding: 0 0 0 14px; }
  .nav__dd-menu a { white-space: normal; }
}

/* ---------- Embed režim (?embed=1) — kalkulačka vložená na webe partnera ---------- */
.embed .site-header, .embed .site-footer, .embed .cc-banner, .embed .cc-reopen { display: none !important; }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: linear-gradient(180deg, #fff 0%, var(--bg-2) 100%); }
.hero__grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center; padding: 64px 0 72px; }
.hero__badge {
  display: inline-flex; align-items: center; gap: .5rem; background: var(--blue-soft);
  color: var(--blue-dark); font-weight: 700; font-size: .85rem; padding: .4rem .85rem; border-radius: 999px; margin-bottom: 1.1rem;
}
.hero h1 span { color: var(--blue); }
.hero__cta { display: flex; gap: .8rem; flex-wrap: wrap; margin-top: 1.6rem; }
.hero__trust { display: flex; gap: 1.4rem; flex-wrap: wrap; margin-top: 1.8rem; color: var(--muted); font-size: .9rem; }
.hero__trust b { color: var(--navy); }
@media (max-width: 860px) { .hero__grid { grid-template-columns: 1fr; gap: 30px; padding: 40px 0 48px; } }

/* Hero mock letter card */
.letter-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 26px; transform: rotate(-1.2deg);
}
.letter-card__top { display: flex; align-items: center; justify-content: space-between; border-bottom: 2px solid var(--bg-3); padding-bottom: 12px; margin-bottom: 14px; }
.letter-card__logo { font-weight: 900; color: var(--navy); letter-spacing: .02em; }
.letter-row { display: flex; justify-content: space-between; gap: 12px; padding: 7px 0; font-size: .95rem; }
.letter-row b { color: var(--navy); }
.letter-row--hl { background: var(--amber-soft); margin: 4px -10px; padding: 8px 10px; border-radius: 8px; }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow-sm); }
.card--pad-lg { padding: 32px; }
.card__icon { width: 46px; height: 46px; border-radius: 12px; background: var(--blue-soft); color: var(--blue-dark); display: grid; place-items: center; font-size: 1.4rem; margin-bottom: 14px; }
.card h3 { margin-bottom: .4rem; }
.card p { color: var(--ink-2); margin-bottom: 0; }

.step { display: flex; gap: 16px; align-items: flex-start; }
.step__num { flex: 0 0 auto; width: 48px; height: 48px; border-radius: 14px; background: linear-gradient(135deg, var(--navy-2), var(--blue)); color: #fff; display: grid; place-items: center; font-weight: 800; font-size: 1.05rem; }

/* ---------- Calculator ---------- */
.calc-wrap { max-width: 900px; margin: 0 auto; }
.tabs { display: flex; gap: 8px; background: var(--bg-3); padding: 6px; border-radius: 14px; margin-bottom: 24px; flex-wrap: wrap; }
.tab { flex: 1; min-width: 130px; text-align: center; padding: .7rem 1rem; border-radius: 10px; font-weight: 700; cursor: pointer; color: var(--ink-2); border: 0; background: transparent; font: inherit; font-weight: 700; }
.tab.active { background: #fff; color: var(--navy); box-shadow: var(--shadow-sm); }

.panel { display: none; }
.panel.active { display: block; }

/* Obrazovky kalkulačky (výber / pdf / foto / formulár) */
.wz-screen { display: none; }
.wz-screen.active { display: block; animation: fade .25s ease; }
.choose-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 8px; }
@media (max-width: 640px) { .choose-grid { grid-template-columns: 1fr; } }
.choose-card { text-align: left; background: #fff; border: 1.5px solid var(--line); border-radius: var(--radius); padding: 22px 20px; cursor: pointer; font: inherit; transition: transform .12s ease, box-shadow .2s ease, border-color .15s ease; }
.choose-card:hover { border-color: var(--blue); box-shadow: var(--shadow); transform: translateY(-2px); }
.choose-ic { font-size: 2.1rem; margin-bottom: 10px; }
.choose-card h3 { margin: 0 0 .3rem; font-size: 1.08rem; color: var(--navy); }
.choose-card p { margin: 0; color: var(--muted); font-size: .9rem; line-height: 1.45; }
[data-choose-back] { margin-bottom: 6px; }

/* Sprievodca (wizard) */
.wz-progress { height: 8px; background: var(--bg-3); border-radius: 999px; overflow: hidden; margin-bottom: 10px; }
.wz-progress__bar { height: 100%; background: linear-gradient(90deg, var(--navy-2), var(--blue)); border-radius: 999px; transition: width .35s cubic-bezier(.2,.8,.2,1); }
.wz-count { font-size: .8rem; color: var(--muted); font-weight: 700; margin-bottom: 18px; }
.wz-step { display: none; }
.wz-step.active { display: block; animation: fade .3s ease; }
.wz-title { font-size: 1.35rem; margin-bottom: .25rem; }
.wz-sub { color: var(--muted); margin: 0 0 18px; font-size: .96rem; }
.wz-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 22px; }
.wz-nav .btn--primary { flex: 1; justify-content: center; }
.wz-nav .btn--ghost { flex: 0 0 auto; }

.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 700; color: var(--navy); margin-bottom: 6px; font-size: .95rem; }
.field .hint { font-size: .84rem; color: var(--muted); margin-top: 4px; }
/* info tooltip (i) — funguje na hover aj na dotyk (focus) */
.tip { position: relative; display: inline-flex; align-items: center; justify-content: center; width: 18px; height: 18px; border-radius: 50%; background: var(--blue-soft); color: var(--blue-dark); font-size: .72rem; font-weight: 800; font-style: normal; cursor: help; margin-left: 6px; vertical-align: middle; user-select: none; }
.tip__pop { position: absolute; left: 0; top: calc(100% + 8px); z-index: 30; width: min(280px, 80vw); background: var(--navy); color: #fff; font-size: .82rem; font-weight: 500; line-height: 1.45; text-transform: none; letter-spacing: normal; padding: 11px 13px; border-radius: 10px; box-shadow: var(--shadow); opacity: 0; visibility: hidden; transform: translateY(-4px); transition: opacity .15s, transform .15s, visibility .15s; pointer-events: none; }
.tip:hover .tip__pop, .tip:focus .tip__pop, .tip:focus-within .tip__pop { opacity: 1; visibility: visible; transform: translateY(0); }
.field input, .field select {
  width: 100%; padding: .8rem 1rem; font: inherit; border: 1.5px solid var(--line);
  border-radius: var(--radius-sm); background: #fff; color: var(--ink); transition: border .15s;
}
.field input:focus, .field select:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px var(--blue-soft); }
.field input.input-error { border-color: var(--red); background: var(--red-soft); }
.field input.input-error:focus { box-shadow: 0 0 0 3px rgba(214,69,69,.18); }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; }
.two-in { display: flex; gap: 10px; }
.two-in__u { flex: 1; display: flex; align-items: center; gap: 7px; }
.two-in__u input { width: 100%; }
.two-in__u em { font-style: normal; color: var(--muted); font-size: .88rem; white-space: nowrap; }
@media (max-width: 620px) { .field-grid { grid-template-columns: 1fr; } }

.dropzone {
  border: 2.5px dashed var(--line); border-radius: var(--radius); padding: 40px 24px;
  text-align: center; background: var(--bg-2); cursor: pointer; transition: .18s;
}
.dropzone:hover, .dropzone.drag { border-color: var(--blue); background: var(--blue-soft); }
.dropzone__icon { font-size: 2.4rem; margin-bottom: 10px; }
.filestatus { margin-top: 14px; font-size: .92rem; }

/* Verdict */
.verdict { border-radius: var(--radius); padding: 26px; margin-bottom: 22px; border: 1px solid var(--line); }
.verdict--ok { background: var(--green-soft); border-color: #bfe9db; }
.verdict--warn { background: var(--amber-soft); border-color: #f3ddb4; }
.verdict--bad { background: var(--red-soft); border-color: #f2c9c9; }
.verdict__head { display: flex; align-items: center; gap: 14px; margin-bottom: 8px; }
.verdict__emoji { font-size: 2rem; }
.verdict__title { font-size: 1.3rem; font-weight: 800; color: var(--navy); }
.verdict__score { margin-left: auto; text-align: right; }
.verdict__score .num { font-size: 1.8rem; font-weight: 900; color: var(--navy); line-height: 1; }
.verdict__score .lbl { font-size: .75rem; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; }
.verdict__bar { height: 10px; border-radius: 999px; background: rgba(13,39,69,.10); overflow: hidden; margin: 6px 0 4px; }
.verdict__bar-fill { height: 100%; border-radius: 999px; width: 0; transition: width .7s cubic-bezier(.2,.8,.2,1); }
.verdict--ok .verdict__bar-fill { background: linear-gradient(90deg, var(--green), #16b487); }
.verdict--warn .verdict__bar-fill { background: linear-gradient(90deg, var(--amber), #f2b23a); }
.verdict--bad .verdict__bar-fill { background: linear-gradient(90deg, var(--red), #e26a6a); }
.verdict--ok .verdict__score .num { color: var(--green); }
.verdict--warn .verdict__score .num { color: var(--amber); }
.verdict--bad .verdict__score .num { color: var(--red); }

.checks { list-style: none; padding: 0; margin: 16px 0 0; display: grid; gap: 10px; }
.checks li { display: flex; gap: 10px; align-items: flex-start; background: rgba(255,255,255,.6); padding: 12px 14px; border-radius: 10px; }
.checks .ico { flex: 0 0 auto; font-size: 1.1rem; }

/* Gap ovládanie (cieľ + inflácia) */
.gap-controls { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; background: var(--bg-2); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; margin-bottom: 20px; }
@media (max-width: 620px) { .gap-controls { grid-template-columns: 1fr; } }
.gap-ctrl > label { display: block; font-weight: 700; color: var(--navy); font-size: .9rem; margin-bottom: 8px; }
.seg { display: flex; gap: 6px; background: var(--bg-3); border-radius: 12px; padding: 5px; }
.seg-btn { flex: 1; border: 0; background: transparent; font: inherit; font-weight: 700; font-size: .82rem; color: var(--ink-2); padding: .5rem .3rem; border-radius: 8px; cursor: pointer; transition: .15s; }
.seg-btn.active { background: #fff; color: var(--navy); box-shadow: var(--shadow-sm); }
#gapCustom { width: 100%; margin-top: 10px; padding: .7rem 1rem; font: inherit; border: 1.5px solid var(--line); border-radius: var(--radius-sm); }
#gapCustom:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px var(--blue-soft); }
.gap-ctrl > label.switch-row { display: flex; align-items: center; justify-content: center; gap: 10px; cursor: pointer; }
/* iOS-style prepínač */
.ios-switch { position: relative; display: inline-block; width: 48px; height: 28px; flex: 0 0 auto; }
.ios-switch input { position: absolute; z-index: 2; inset: 0; width: 100%; height: 100%; margin: 0; opacity: 0; cursor: pointer; }
.ios-slider { position: absolute; z-index: 1; inset: 0; background: #cfd8e3; border-radius: 999px; transition: background .2s ease; }
.ios-slider::before { content: ""; position: absolute; top: 3px; left: 3px; width: 22px; height: 22px; background: #fff; border-radius: 50%; box-shadow: 0 1px 3px rgba(0,0,0,.28); transition: transform .2s ease; }
.ios-switch input:checked ~ .ios-slider { background: var(--blue); }
.ios-switch input:checked ~ .ios-slider::before { transform: translateX(20px); }
.ios-switch input:focus-visible ~ .ios-slider { box-shadow: 0 0 0 3px var(--blue-soft); }
.infl-note { font-size: .82rem; color: var(--ink-2); margin-top: 10px; line-height: 1.45; }
/* nepovinná sekcia „už mám nasporené" */
.gap-savings { margin: 4px 0 22px; }
.save-toggle { display: block; width: 100%; text-align: center; background: var(--blue-soft); color: var(--blue-dark); border: 1.5px dashed var(--blue); border-radius: var(--radius-sm); padding: 15px 18px; font: inherit; font-weight: 800; font-size: 1.02rem; cursor: pointer; transition: background .15s ease, border-color .15s ease; }
.save-toggle:hover { background: #dceafb; border-color: var(--blue-dark); }
.save-wrap { margin-top: 12px; background: var(--bg-2); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 16px 2px; }
.save-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 0 16px; }
@media (max-width: 620px) { .save-grid { grid-template-columns: 1fr; } }
.save-grid .field label { font-size: .86rem; }
.infl-field { display: inline-flex; align-items: center; gap: 6px; font-size: .9rem; color: var(--ink-2); margin-top: 4px; }
.infl-field input { width: 62px; padding: .45rem .5rem; text-align: center; border: 1.5px solid var(--line); border-radius: 8px; font: inherit; }
.infl-field input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px var(--blue-soft); }
.link-btn { display: block; margin-top: 8px; background: none; border: 0; padding: 0; color: var(--blue-dark); font: inherit; font-size: .82rem; font-weight: 700; cursor: pointer; text-align: left; }
.link-btn:hover { text-decoration: underline; }
.infl-panel { margin-top: 10px; background: var(--blue-soft); border-radius: 10px; padding: 14px; font-size: .84rem; color: var(--ink-2); }
.infl-panel a { font-weight: 700; }
.infl-panel p { margin: .2rem 0; }
.infl-panel-grid { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; }
.infl-chart { flex: 1 1 210px; min-width: 190px; background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 8px 8px 4px; }
.infl-chart-cap { font-size: .68rem; color: var(--muted); text-align: center; margin-top: 4px; line-height: 1.3; }
.infl-text { flex: 1 1 190px; }

/* Scenario / gap bars */
.bars { display: flex; gap: 18px; align-items: flex-end; height: 220px; margin: 10px 0 6px; }
.bar { flex: 1; display: flex; flex-direction: column; justify-content: flex-end; align-items: center; gap: 8px; height: 100%; }
.bar__col { width: 100%; border-radius: 10px 10px 0 0; background: var(--blue); position: relative; transition: height .6s cubic-bezier(.2,.8,.2,1); min-height: 4px; }
.bar__col.p2 { background: var(--navy-2); }
.bar__val { font-weight: 800; color: var(--navy); font-size: .95rem; }
.bar__lbl { color: var(--muted); font-size: .82rem; text-align: center; }

.result-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; margin: 18px 0; }
.result-grid.two { grid-template-columns: repeat(2,1fr); }
@media (max-width:620px){ .result-grid, .result-grid.two { grid-template-columns: 1fr; } }
.stat { background:#fff; border:1px solid var(--line); border-radius: var(--radius); padding: 18px; text-align:center; }
.stat .num { font-size: 1.7rem; font-weight: 900; color: var(--navy); }
.stat .lbl { font-size: .82rem; color: var(--muted); }
/* zvýraznená karta = koľko si mesačne odkladať (hlavná akčná suma) */
.stat--accent { background: var(--navy); border-color: var(--navy); box-shadow: var(--shadow); }
.stat--accent .num { color: #fff; font-size: 2rem; }
.stat--accent .lbl { color: rgba(255,255,255,.85); font-weight: 600; }

/* Lead gate */
.gate { background: linear-gradient(160deg, var(--navy), var(--navy-2)); color:#dbe8f6; border-radius: var(--radius-lg); padding: 34px; box-shadow: var(--shadow-lg); }
.gate h3 { color:#fff; }
.gate .field label { color:#cfe0f3; }
.gate .field input { background: rgba(255,255,255,.96); border-color: transparent; }
.gate .locked { filter: blur(6px); pointer-events: none; user-select: none; }
.hidden { display: none !important; }

.badge-secure { display:inline-flex; align-items:center; gap:.4rem; font-size:.82rem; color: var(--blue-dark); font-weight:700; background: var(--blue-soft); padding:.35rem .7rem; border-radius:999px; }

/* ---------- FAQ / accordion ---------- */
.faq { border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background:#fff; }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:last-child { border-bottom: 0; }
.faq summary { cursor: pointer; padding: 18px 22px; font-weight: 700; color: var(--navy); list-style: none; display:flex; justify-content: space-between; gap:12px; }
.faq summary::-webkit-details-marker { display:none; }
.faq summary::after { content:"+"; color: var(--blue); font-weight: 800; }
.faq details[open] summary::after { content:"–"; }
.faq .faq__body { padding: 0 22px 18px; color: var(--ink-2); }

/* ---------- Prose (articles) ---------- */
.prose { font-size: 1.06rem; color: var(--ink-2); }
.prose h2 { margin-top: 1.8em; }
.prose h3 { margin-top: 1.4em; color: var(--navy-2); }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin: .4em 0; }
.prose table { width: 100%; border-collapse: collapse; margin: 1.2em 0; font-size: .95rem; }
.prose th, .prose td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; }
.prose th { background: var(--bg-3); color: var(--navy); }
.callout { background: var(--blue-soft); border-left: 4px solid var(--blue); border-radius: 0 10px 10px 0; padding: 16px 20px; margin: 1.2em 0; }
.callout--warn { background: var(--amber-soft); border-color: var(--amber); }
/* medzera — hlavná suma po inflácii (veľká), dnešná menšia a druhá */
.gap-lead { font-size: .95rem; color: var(--ink); line-height: 1.35; }
.gap-main { font-size: 2.3rem; font-weight: 900; color: var(--navy); line-height: 1.05; margin: 4px 0 2px; letter-spacing: -.5px; }
.gap-main span { font-size: 1.1rem; font-weight: 800; color: var(--muted); }
.gap-today { font-size: .9rem; color: var(--muted); font-weight: 600; }
@media (max-width:560px){ .gap-main { font-size: 1.95rem; } }

/* video */
.video-embed { position: relative; padding-top: 56.25%; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); background: var(--bg-3); }
.video-embed iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.video-placeholder { position:absolute; inset:0; display:grid; place-items:center; color: var(--muted); text-align:center; padding:20px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #9fb6d1; padding: 54px 0 30px; margin-top: 40px; }
.site-footer a { color: #cfe0f3; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 30px; }
@media (max-width: 760px){ .footer-grid { grid-template-columns: 1fr; gap: 22px; } }
.site-footer h4 { color: #fff; font-size: 1rem; margin-bottom: .8rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: .35rem 0; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 34px; padding-top: 18px; font-size: .85rem; display:flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; }

/* utilities */
.mt-0{margin-top:0} .mb-0{margin-bottom:0} .mt-1{margin-top:.6rem} .mt-2{margin-top:1.2rem} .mt-3{margin-top:2rem}
.flex{display:flex} .gap{gap:1rem} .wrap{flex-wrap:wrap} .center{align-items:center} .between{justify-content:space-between}
.pill { display:inline-block; padding:.3rem .8rem; border-radius:999px; background: var(--bg-3); color: var(--navy-2); font-weight:700; font-size:.82rem; }
.divider { height:1px; background: var(--line); border:0; margin: 2rem 0; }
.spinner { width: 22px; height: 22px; border: 3px solid var(--blue-soft); border-top-color: var(--blue); border-radius: 50%; animation: spin .8s linear infinite; display:inline-block; vertical-align: middle; }
@keyframes spin { to { transform: rotate(360deg); } }
.fade-in { animation: fade .4s ease; }
@keyframes fade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

/* ============================================================
   MOBILNÉ VYLEPŠENIA
   ============================================================ */
/* overflow-x: clip (nie hidden!) — zabráni vodorovnému posunu, ale NEROZBÍJA
   position: sticky hlavičky (hidden by z body spravil scroll-kontajner). */
html, body { overflow-x: clip; max-width: 100%; }

@media (max-width: 620px) {
  .container { padding: 0 22px; }
  .hero .container { padding: 0 24px; }
  .section { padding: 44px 0; }
  .section--tight { padding: 32px 0; }
  h1 { font-size: 1.95rem; }
  h2 { font-size: 1.5rem; }
  .lead { font-size: 1.05rem; }

  /* HERO — vycentrovať a dať vzduch */
  .hero__grid { text-align: center; padding: 30px 0 38px; gap: 24px; }
  .hero__cta { flex-direction: column; align-items: stretch; gap: .6rem; }
  .hero__cta .btn { width: 100%; justify-content: center; }
  .hero__trust { justify-content: center; gap: .5rem 1.1rem; }
  .letter-card { transform: none; max-width: 360px; margin: 0 auto; padding: 22px; }

  /* karty a sekcie — menšie odsadenie, nič nevytŕča */
  .card, .card--pad-lg { padding: 20px; }
  .prose { font-size: 1rem; }

  /* nadpisy sekcií vzdušnejšie */
  .eyebrow { margin-bottom: .4rem; }
}

/* Vodorovné pruhy grafu medzery */
.hbars { display: grid; gap: 12px; margin: 10px 0 16px; }
.hbar { display: grid; grid-template-columns: 168px 1fr 84px; gap: 12px; align-items: center; }
.hbar__lbl { font-size: .86rem; color: var(--muted); }
.hbar__track { background: var(--bg-3); border-radius: 999px; height: 24px; overflow: hidden; }
.hbar__fill { height: 100%; border-radius: 999px; background: var(--blue); transition: width .6s cubic-bezier(.2,.8,.2,1); }
.hbar__fill.p2 { background: var(--navy-2); }
.hbar__fill.gp { background: var(--navy); }
.hbar__val { font-weight: 800; color: var(--navy); font-size: .92rem; text-align: right; }
@media (max-width: 560px) { .hbar { grid-template-columns: 1fr auto; gap: 2px 10px; } .hbar__lbl { grid-column: 1 / -1; } .hbar__val { text-align: left; } }

/* AI zhodnotenie (2. krok) */
.ai-box { border: 1px solid #d9c9f0; background: linear-gradient(180deg,#faf7ff,#f4eefe); border-radius: var(--radius); padding: 20px; margin-top: 18px; }
.ai-box__head { display: flex; align-items: center; gap: 10px; font-weight: 800; color: #5b2ea6; margin-bottom: 4px; }
.ai-box__body { color: var(--ink-2); white-space: pre-wrap; line-height: 1.55; }
.ai-box__disc { font-size: .78rem; color: var(--muted); margin-top: 10px; }
.ai-loader { display: flex; align-items: center; gap: 16px; padding: 4px 0; }
.ai-ring { flex: 0 0 auto; }
.ai-loader__txt { display: flex; flex-direction: column; gap: 2px; }
.ai-loader__txt b { color: var(--navy); }

/* =========================================================================
   COOKIE CONSENT (GDPR)
   ========================================================================= */
.cc-banner {
  position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 9999;
  background: var(--navy); color: #eaf1fb;
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
  animation: cc-up .35s cubic-bezier(.2,.8,.2,1);
}
@keyframes cc-up { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.cc-banner-inner {
  max-width: var(--maxw); margin: 0 auto; padding: 18px 22px;
  display: flex; align-items: center; gap: 18px 24px; flex-wrap: wrap;
}
.cc-banner-text { flex: 1 1 340px; font-size: .95rem; line-height: 1.5; color: #cfe0f5; }
.cc-banner-text strong { color: #fff; }
.cc-banner-text a { color: #fff; text-decoration: underline; }
.cc-banner-actions { display: flex; gap: 10px; flex-wrap: wrap; flex: 0 0 auto; }

.cc-btn {
  font-family: var(--font); font-weight: 700; font-size: .92rem;
  padding: 11px 18px; border-radius: 999px; cursor: pointer; border: 1.5px solid transparent;
  transition: background .15s, border-color .15s, color .15s, transform .05s;
}
.cc-btn:active { transform: translateY(1px); }
.cc-btn-primary { background: var(--blue); color: #fff; }
.cc-btn-primary:hover { background: var(--blue-dark); }
.cc-btn-ghost { background: transparent; color: #eaf1fb; border-color: rgba(255,255,255,.35); }
.cc-btn-ghost:hover { background: rgba(255,255,255,.10); border-color: rgba(255,255,255,.6); }

/* modálne nastavenia */
.cc-modal { position: fixed; inset: 0; z-index: 10000; }
.cc-modal[hidden] { display: none; }
.cc-modal-backdrop { position: absolute; inset: 0; background: rgba(13,39,69,.55); backdrop-filter: blur(2px); }
.cc-modal-card {
  position: relative; z-index: 1; background: var(--bg);
  max-width: 560px; margin: 6vh auto 0; width: calc(100% - 32px);
  max-height: 88vh; overflow: auto;
  border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 26px 26px 22px;
  animation: cc-up .3s cubic-bezier(.2,.8,.2,1);
}
.cc-modal-card h3 { margin: 0 0 .4rem; }
.cc-modal-lead { color: var(--ink-2); font-size: .95rem; margin: 0 0 18px; }
.cc-modal-x {
  position: absolute; top: 12px; right: 14px; background: none; border: none;
  font-size: 1.7rem; line-height: 1; color: var(--muted); cursor: pointer; padding: 4px 8px;
}
.cc-modal-x:hover { color: var(--ink); }

.cc-cat { border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 14px 16px; margin-bottom: 12px; }
.cc-cat-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; font-weight: 700; color: var(--navy); }
.cc-cat-head label { cursor: pointer; }
.cc-cat p { margin: 6px 0 0; font-size: .88rem; color: var(--muted); line-height: 1.5; }
.cc-always { font-size: .78rem; font-weight: 700; color: var(--green-dark); background: var(--green-soft); padding: 3px 10px; border-radius: 999px; }

/* prepínač */
.cc-switch { position: relative; display: inline-block; width: 46px; height: 26px; flex: 0 0 auto; }
.cc-switch input { position: absolute; opacity: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.cc-switch span { position: absolute; inset: 0; background: #c7d4e3; border-radius: 999px; transition: background .2s; }
.cc-switch span::before { content: ""; position: absolute; width: 20px; height: 20px; left: 3px; top: 3px; background: #fff; border-radius: 50%; transition: transform .2s; box-shadow: 0 1px 3px rgba(0,0,0,.25); }
.cc-switch input:checked + span { background: var(--blue); }
.cc-switch input:checked + span::before { transform: translateX(20px); }

.cc-modal-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; }
.cc-modal-actions .cc-btn { flex: 1 1 auto; text-align: center; }
.cc-modal-actions .cc-btn-ghost { color: var(--navy); border-color: var(--line); }
.cc-modal-actions .cc-btn-ghost:hover { background: var(--bg-2); border-color: var(--muted); }

body.cc-lock { overflow: hidden; }

/* trvalý spúšťač na zmenu voľby */
.cc-reopen {
  position: fixed; left: 16px; bottom: 16px; z-index: 9998;
  width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--line);
  background: var(--bg); box-shadow: var(--shadow); cursor: pointer;
  font-size: 1.25rem; line-height: 1; display: flex; align-items: center; justify-content: center;
  opacity: .7; transition: opacity .15s, transform .1s;
}
.cc-reopen:hover { opacity: 1; transform: translateY(-1px); }

@media (max-width: 640px) {
  .cc-banner-actions { width: 100%; }
  .cc-banner-actions .cc-btn { flex: 1 1 auto; }
  .cc-reopen { width: 40px; height: 40px; font-size: 1.1rem; }
}

/* =========================================================================
   ADVISOR BAR — personalizácia podľa partnera (?ref)
   ========================================================================= */
.advisor-bar { background: var(--navy); color: #eaf1fb; font-size: .92rem; }
.advisor-bar__in {
  max-width: var(--maxw); margin: 0 auto; padding: 8px 20px;
  display: flex; align-items: center; justify-content: center; gap: 4px 16px; flex-wrap: wrap;
}
.advisor-bar b { color: #fff; }
.advisor-bar a { color: #fff; font-weight: 700; }
.advisor-bar a:hover { text-decoration: underline; }
.advisor-bar__ic { opacity: .85; }
@media (max-width: 560px) { .advisor-bar__in { font-size: .85rem; padding: 7px 14px; } }