/* EasyÚver – štýly. Písma sú uložené lokálne (bez Google Fonts kvôli GDPR a rýchlosti). */
@font-face{font-family:"Plex";src:url(../fonts/ibm-plex-sans-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap;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}
@font-face{font-family:"Plex";src:url(../fonts/ibm-plex-sans-latin-ext-400-normal.woff2) format("woff2");font-weight:400;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+1E00-1E9F,U+20A0-20AB,U+20AD-20C0,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Plex";src:url(../fonts/ibm-plex-sans-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2212}
@font-face{font-family:"Plex";src:url(../fonts/ibm-plex-sans-latin-ext-500-normal.woff2) format("woff2");font-weight:500;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+1E00-1E9F,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Plex";src:url(../fonts/ibm-plex-sans-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2212}
@font-face{font-family:"Plex";src:url(../fonts/ibm-plex-sans-latin-ext-600-normal.woff2) format("woff2");font-weight:600;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+1E00-1E9F,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Serif4";src:url(../fonts/source-serif-4-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2212}
@font-face{font-family:"Serif4";src:url(../fonts/source-serif-4-latin-ext-600-normal.woff2) format("woff2");font-weight:600;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+1E00-1E9F,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Serif4";src:url(../fonts/source-serif-4-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2212}
@font-face{font-family:"Serif4";src:url(../fonts/source-serif-4-latin-ext-700-normal.woff2) format("woff2");font-weight:700;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+1E00-1E9F,U+2C60-2C7F,U+A720-A7FF}

:root{
  --paper:#F5F8F7; --surface:#FFFFFF; --ink:#17232B; --muted:#4D5D66;
  --spruce:#0E4D45; --spruce-dark:#0A3A34; --mist:#E3ECE9; --line:#CCD9D4;
  --gold:#D29A2E; --gold-ink:#8A5A0B;
  --serif:"Serif4",Georgia,"Times New Roman",serif;
  --sans:"Plex",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --wrap:1160px; --gutter:20px; --radius:6px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:16px}
body{margin:0;background:var(--paper);color:var(--ink);font:400 1.0625rem/1.65 var(--sans);font-feature-settings:"tnum" 0}
img{max-width:100%;height:auto}
a{color:var(--spruce);text-underline-offset:.18em;text-decoration-thickness:1px}
a:hover{color:var(--spruce-dark);text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:2px}
h1,h2,h3{font-family:var(--serif);line-height:1.2;color:var(--ink);margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,1.4rem + 2.6vw,3.1rem);font-weight:700}
h2{font-size:clamp(1.45rem,1.2rem + 1vw,1.85rem);font-weight:600}
h3{font-family:var(--sans);font-size:1.15rem;font-weight:600;letter-spacing:0}
p{margin:0 0 1em}
.small{font-size:.875rem;color:var(--muted)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.skip{position:absolute;left:-999px;top:8px;background:var(--surface);padding:8px 12px;z-index:10}
.skip:focus{left:8px}
.lead{font-size:1.2rem;color:var(--muted);max-width:60ch}

/* Hlavička */
.site-header{background:var(--surface);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:68px}
.brand{font-family:var(--serif);font-weight:700;font-size:1.5rem;color:var(--ink);text-decoration:none;letter-spacing:-.02em}
.brand span{color:var(--spruce)}
.brand:hover{color:var(--ink)}
.main-nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.main-nav a{display:block;padding:8px 12px;color:var(--ink);text-decoration:none;font-weight:500;font-size:.98rem;border-radius:var(--radius)}
.main-nav a:hover{background:var(--mist)}
.main-nav a[aria-current="page"]{color:var(--spruce);box-shadow:inset 0 -2px 0 var(--spruce);border-radius:0}
.nav-toggle{display:none;font:500 1rem var(--sans);background:none;border:1px solid var(--line);border-radius:var(--radius);padding:8px 14px;color:var(--ink);cursor:pointer}
@media (max-width:900px){
  .nav-toggle{display:block}
  .main-nav{display:none;position:absolute;left:0;right:0;top:68px;background:var(--surface);border-bottom:1px solid var(--line);z-index:5}
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;padding:8px var(--gutter) 16px}
  .site-header{position:relative}
}

/* Úvod */
.hero{padding:56px 0 64px;background:linear-gradient(180deg,var(--surface) 0,var(--paper) 100%);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{max-width:13ch;margin-bottom:.4em}
.hero-links{display:flex;flex-wrap:wrap;gap:12px 24px;align-items:center;margin-top:28px}
.btn{display:inline-block;background:var(--spruce);color:#fff;text-decoration:none;font-weight:600;padding:13px 22px;border-radius:var(--radius)}
.btn:hover{background:var(--spruce-dark);color:#fff}
.link-quiet{font-weight:500}
@media (max-width:900px){.hero{padding:36px 0 44px}.hero-grid{grid-template-columns:1fr;gap:32px}}

/* Sekcie */
.section{padding:56px 0}
.section-tight{padding:8px 0 56px}
.section-tint{background:var(--mist)}
.section-title{margin-bottom:24px}
.two-col{display:grid;grid-template-columns:1.4fr 1fr;gap:56px}
@media (max-width:900px){.two-col{grid-template-columns:1fr;gap:40px}.section{padding:44px 0}}

.article-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,1fr);column-gap:48px}
.article-list li{border-top:1px solid var(--line)}
.article-list a{display:block;padding:18px 0 22px;text-decoration:none;color:var(--ink)}
.al-cat{display:block;font-size:.85rem;color:var(--muted);margin-bottom:4px}
.al-title{display:block;font-family:var(--serif);font-weight:600;font-size:1.25rem;line-height:1.3;color:var(--spruce)}
.article-list a:hover .al-title{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:.2em}
.al-desc{display:block;color:var(--muted);margin-top:6px;font-size:.98rem}
@media (max-width:760px){.article-list{grid-template-columns:1fr}}

.topic-index{list-style:none;margin:0;padding:0}
.topic-index li{border-top:1px solid var(--line)}
.topic-index li:last-child{border-bottom:1px solid var(--line)}
.topic-index a{display:grid;grid-template-columns:280px 1fr 90px;gap:24px;align-items:baseline;padding:20px 0;text-decoration:none;color:var(--ink)}
.topic-name{font-family:var(--serif);font-weight:600;font-size:1.3rem;color:var(--spruce)}
.topic-desc{color:var(--muted)}
.topic-count{font-size:.9rem;color:var(--muted);white-space:nowrap;text-align:right}
.topic-index a:hover .topic-name{text-decoration:underline;text-decoration-thickness:1px}
@media (max-width:760px){.topic-index a{grid-template-columns:1fr;gap:4px}}

.tool-list{list-style:none;margin:0;padding:0}
.tool-list li{border-top:1px solid var(--line)}
.tool-list a{display:block;padding:16px 0;text-decoration:none}
.tool-list strong{display:block;font-weight:600;font-size:1.08rem}
.tool-list span{display:block;color:var(--muted);font-size:.97rem}
.author-note{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.author-note .section-title{font-size:1.35rem;margin-bottom:12px}

/* Hlavičky podstránok */
.page-head{padding:40px var(--gutter) 24px}
.crumbs{font-size:.9rem;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted)}
.byline{color:var(--muted);font-size:.95rem;margin:0}
.byline a{color:var(--ink);font-weight:500}

/* Článok */
.article-head{padding-top:40px;padding-bottom:12px}
.article-head h1{max-width:24ch}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:64px;align-items:start;padding-top:20px;padding-bottom:64px}
.article-main{max-width:720px;min-width:0}
.toc{position:sticky;top:20px;font-size:.93rem;border-left:2px solid var(--line);padding-left:18px}
.toc h2{font-family:var(--sans);font-size:.95rem;font-weight:600;margin-bottom:10px}
.toc ol{margin:0;padding-left:1.1em;color:var(--muted)}
.toc li{margin:0 0 8px}
.toc a{color:var(--ink);text-decoration:none}
.toc a:hover{color:var(--spruce);text-decoration:underline}
@media (max-width:1000px){.article-grid{grid-template-columns:1fr}.toc{display:none}}

.summary{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--spruce);border-radius:var(--radius);padding:20px 24px;margin:0 0 32px}
.summary-title{font-family:var(--sans);font-size:1rem;font-weight:600;margin-bottom:8px}
.summary ul{margin:0;padding-left:1.2em}
.summary li{margin-bottom:6px}

.prose{max-width:70ch}
.page-body .prose{max-width:72ch}
.prose h2{margin-top:1.8em}
.prose h3{margin-top:1.5em}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}
.prose li{margin-bottom:.4em}
.prose blockquote{margin:1.5em 0;padding:4px 0 4px 20px;border-left:3px solid var(--gold);color:var(--muted)}
.prose .table-wrap{margin:1.5em 0}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:.95rem;font-variant-numeric:tabular-nums}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{border-bottom:2px solid var(--ink);font-weight:600}
.callout{background:var(--mist);border-radius:var(--radius);padding:18px 22px;margin:1.5em 0}
.callout p:last-child{margin:0}
.example{background:var(--surface);border:1px dashed var(--line);border-radius:var(--radius);padding:18px 22px;margin:1.5em 0;font-variant-numeric:tabular-nums}

.faq{margin-top:48px}
.faq details{border-top:1px solid var(--line)}
.faq details:last-of-type{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;padding:16px 28px 16px 0;font-weight:600;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:1.4rem;color:var(--spruce);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq-a{padding:0 0 16px;color:var(--ink)}
.faq-a p:last-child{margin:0}

.sources{margin-top:40px;font-size:.93rem}
.sources h2{font-size:1.2rem}
.sources ol{padding-left:1.3em;color:var(--muted)}
.author-box{margin-top:40px;padding:24px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius)}
.author-box p:last-child{margin:0}

/* Kalkulačka */
.calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin:1.5em 0;display:grid;grid-template-columns:1fr 1fr;gap:28px;font-variant-numeric:tabular-nums}
.calc .schedule,.calc .calc-note{grid-column:1/-1}
.field{margin-bottom:18px}
.field label{display:block;font-weight:500;margin-bottom:6px;font-size:.97rem}
.field-row{display:flex;align-items:center;gap:14px}
.field-row input[type=range]{flex:1;accent-color:var(--spruce);min-width:0}
.num{display:flex;align-items:center;width:10.5em;justify-content:space-between;border:1px solid var(--line);border-radius:var(--radius);background:var(--paper);padding:0 10px 0 0;flex:0 0 auto}
.num input{width:6.2em;border:0;background:transparent;font:500 1rem var(--sans);padding:9px 6px 9px 10px;text-align:right;color:var(--ink);font-variant-numeric:tabular-nums}
.num input:focus{outline:none}
.num:focus-within{outline:3px solid var(--gold);outline-offset:1px}
.unit{color:var(--muted);font-size:.88rem;white-space:nowrap}
.calc-result{background:var(--mist);border-radius:var(--radius);padding:20px}
.res-main span{display:block;font-size:.95rem;color:var(--muted)}
.res-main strong{display:block;font-family:var(--serif);font-size:2.4rem;font-weight:700;line-height:1.15;color:var(--spruce);margin:2px 0 14px}
.res-list{margin:0 0 16px}
.res-list div{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-top:1px dashed var(--line)}
.res-list dt{color:var(--muted)}
.res-list dd{margin:0;font-weight:600}
.res-total dd{color:var(--ink)}
.costbar{display:flex;height:12px;border-radius:3px;overflow:hidden;background:var(--line)}
.costbar span{display:block;flex-basis:0;transition:flex-grow .25s ease}
[data-bar="principal"]{background:var(--spruce)}
[data-bar="cost"]{background:var(--gold)}
.costbar-legend{font-size:.85rem;color:var(--muted);margin:8px 0 0;display:flex;gap:16px}
.costbar-legend span::before{content:"";display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:6px;vertical-align:-1px}
.lg-p::before{background:var(--spruce)}
.lg-c::before{background:var(--gold)}
.schedule summary{cursor:pointer;font-weight:600;color:var(--spruce);padding:4px 0}
.schedule table{margin-top:12px}
.calc-note{font-size:.88rem;color:var(--muted);margin:0}
.calc-more{display:inline-block;margin-top:14px;font-weight:500;font-size:.95rem}
@media (max-width:760px){.calc{grid-template-columns:1fr;padding:18px}}

/* Kompaktná kalkulačka na úvode – „účtenka“ */
.calc-compact{grid-template-columns:1fr;gap:4px;padding:28px 28px 32px;margin:0;border:0;border-radius:0;box-shadow:0 1px 0 var(--line),0 18px 40px -24px rgba(14,77,69,.35);
  -webkit-mask:radial-gradient(circle 7px at 50% 0,#0000 98%,#000) 50% 0/18px 51% repeat-x,radial-gradient(circle 7px at 50% 100%,#0000 98%,#000) 50% 100%/18px 51% repeat-x;
          mask:radial-gradient(circle 7px at 50% 0,#0000 98%,#000) 50% 0/18px 51% repeat-x,radial-gradient(circle 7px at 50% 100%,#0000 98%,#000) 50% 100%/18px 51% repeat-x}
.calc-title{font-family:var(--serif);font-weight:600;font-size:1.15rem;margin:4px 0 14px;padding-bottom:12px;border-bottom:2px dashed var(--line)}
.calc-compact .calc-result{background:transparent;padding:14px 0 0;border-top:2px dashed var(--line);margin-top:2px}
.calc-compact .field{margin-bottom:14px}

/* Pätička */
.site-footer{background:var(--ink);color:#C9D4D1;padding:56px 0 28px;margin-top:0;font-size:.95rem}
.site-footer a{color:#fff}
.site-footer h2{font-family:var(--sans);font-size:.95rem;font-weight:600;color:#fff;margin-bottom:12px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}
.footer-grid ul{list-style:none;margin:0;padding:0}
.footer-grid li{margin-bottom:8px}
.footer-grid a{text-decoration:none}
.footer-grid a:hover{text-decoration:underline}
.brand-footer{color:#fff;display:inline-block;margin-bottom:12px}
.brand-footer span{color:#8FC7BB}
.site-footer .small{color:#A9B7B3}
.footer-note{border-top:1px solid #33434C;margin-top:40px;padding-top:24px;font-size:.88rem}
.footer-note p{max-width:90ch}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}.footer-about{grid-column:1/-1}}

/* Kontakt a stránky */
.contact-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin:1.5em 0}
.contact-card p:last-child{margin:0}

@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.res-sub{font-weight:600;margin:16px 0 4px;font-size:.95rem}
[data-out-block][hidden]{display:none}
.calc[data-calc="prepay"] .calc-note{grid-column:1/-1}
.res-note{font-size:.92rem;margin:12px 0 0;color:var(--ink)}
.calc[data-calc="borrow"] .calc-note{grid-column:1/-1}
.calc[data-calc="refin"] .calc-note{grid-column:1/-1}
.calc[data-calc="budget"] .calc-note{grid-column:1/-1}
.calc[data-calc="budget"] .calc-inputs .res-sub:first-child{margin-top:0}
[data-bar="needs"]{background:var(--spruce)}
[data-bar="wants"]{background:#7FA9A0}
[data-bar="save"]{background:var(--gold)}
.lg-n::before{background:var(--spruce)}
.lg-w::before{background:#7FA9A0}
.lg-s::before{background:var(--gold)}
.res-list dd{white-space:nowrap;text-align:right}
.author-note{align-self:start}
.article-image{margin:0 0 28px}
.article-image img{display:block;width:100%;height:auto;border-radius:var(--radius)}