/* ===================================================================
   FinGo Senica – Klientske centrum
   Dizajnový systém · fingo orange + slate navy
   Fonty: Outfit (display) + Mulish (body)
=================================================================== */

:root{
  --orange:#E87A23;
  --orange-2:#F0922E;
  --orange-deep:#CF610E;
  --red:#E8463B;
  --navy:#232A38;
  --navy-2:#2C3445;
  --slate:#3C4658;
  --ink:#1E2531;
  --body:#4A5263;
  --muted:#838C9C;
  --line:#E7EAF0;
  --bg:#FFFFFF;
  --bg-soft:#F5F7FB;
  --gold:#F8A726;
  --radius:16px;
  --radius-lg:24px;
  --shadow-sm:0 2px 10px rgba(31,40,57,.06);
  --shadow:0 14px 40px -14px rgba(31,40,57,.20);
  --shadow-lg:0 30px 70px -28px rgba(31,40,57,.35);
  --maxw:1200px;
  --font-display:'Outfit',-apple-system,sans-serif;
  --font-body:'Mulish',-apple-system,sans-serif;
  --accent-bar:linear-gradient(180deg,var(--orange) 0%,var(--red) 100%);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-body);
  color:var(--body);
  background:var(--bg);
  line-height:1.65;
  font-size:17px;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
.icn{width:20px;height:20px;flex-shrink:0}
a{color:var(--orange-deep);text-decoration:none;transition:color .2s}
a:hover{color:var(--orange)}

h1,h2,h3,h4{font-family:var(--font-display);color:var(--ink);line-height:1.12;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,5vw,3.5rem)}
h2{font-size:clamp(1.7rem,3.4vw,2.55rem)}
h3{font-size:1.3rem}
p{margin:0 0 1rem}
.lead{font-size:1.2rem;color:var(--body)}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:88px 0}
.section--soft{background:var(--bg-soft)}
.center{text-align:center}
.mt-2{margin-top:2rem}

/* Accent bar (signature fingo orange→red) */
.bar{display:inline-block;width:5px;border-radius:4px;background:var(--accent-bar)}
.eyebrow{
  display:inline-flex;align-items:center;gap:10px;
  font-family:var(--font-display);font-weight:600;font-size:.82rem;
  letter-spacing:.16em;text-transform:uppercase;color:var(--orange-deep);
  margin-bottom:14px;
}
.eyebrow::before{content:"";width:26px;height:3px;border-radius:3px;background:var(--accent-bar)}
.section-head{max-width:660px;margin-bottom:48px}
.section-head.center{margin-left:auto;margin-right:auto}
.section-head p{color:var(--muted);font-size:1.12rem;margin:0}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:10px;
  font-family:var(--font-display);font-weight:600;font-size:1rem;
  padding:14px 26px;border-radius:50px;border:0;cursor:pointer;
  transition:transform .18s,box-shadow .25s,background .25s;
  white-space:nowrap;
}
.btn .icn{width:19px;height:19px}
.btn-primary{
  color:#fff;background:linear-gradient(135deg,var(--orange) 0%,var(--orange-deep) 100%);
  box-shadow:0 12px 26px -10px rgba(232,122,35,.7);
}
.btn-primary:hover{color:#fff;transform:translateY(-2px);box-shadow:0 18px 34px -10px rgba(232,122,35,.85)}
.btn-ghost{color:var(--ink);background:#fff;border:1.5px solid var(--line)}
.btn-ghost:hover{color:var(--orange-deep);border-color:var(--orange);transform:translateY(-2px)}
.btn-light{color:var(--ink);background:#fff}
.btn-light:hover{color:var(--orange-deep);transform:translateY(-2px)}
.btn-lg{padding:16px 32px;font-size:1.05rem}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:rgba(255,255,255,.9);
  backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px;gap:20px}
.brand{display:flex;align-items:center;flex-shrink:0}
.brand img{height:40px;width:auto}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none}
.nav-links a{
  font-family:var(--font-display);font-weight:500;color:var(--ink);
  padding:9px 14px;border-radius:9px;font-size:.98rem;transition:.2s;position:relative;
}
.nav-links a:hover{background:var(--bg-soft);color:var(--orange-deep)}
.nav-links a.active{color:var(--orange-deep)}
.nav-links a.active::after{
  content:"";position:absolute;left:14px;right:14px;bottom:2px;height:2.5px;border-radius:3px;background:var(--accent-bar);
}
.nav-cta{display:flex;align-items:center;gap:12px;flex-shrink:0}
.nav-phone{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-display);font-weight:600;color:var(--ink)}
.nav-phone .icn{width:18px;height:18px;color:var(--orange)}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.nav-cta-mobile{display:none}
.burger span{width:26px;height:2.5px;background:var(--ink);border-radius:3px;transition:.3s}
.burger.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.hero::before{
  content:"";position:absolute;inset:0;z-index:1;
  background:
    radial-gradient(900px 500px at 78% 18%,rgba(232,122,35,.20),transparent 60%),
    var(--mesh);
  background-size:cover;opacity:.9;
}
.hero-bg{
  position:absolute;inset:0;z-index:0;
  background:
    linear-gradient(105deg, rgba(35,42,56,.97) 0%, rgba(35,42,56,.86) 40%, rgba(35,42,56,.58) 72%, rgba(35,42,56,.40) 100%),
    url("../img/office.jpg") center right/cover no-repeat;
}
.hero-inner{position:relative;z-index:2;max-width:660px;padding:96px 0 104px}
.hero-meta{display:flex;flex-wrap:wrap;align-items:center;gap:18px 34px}
.hero-rating{display:inline-flex;align-items:center;gap:10px;color:#E7EAF1;font-family:var(--font-display);font-weight:600;font-size:.98rem}
.hero-rating .stars{color:var(--gold);display:flex;gap:2px}
.hero-rating .stars .icn{width:17px;height:17px}
.hero-rating b{color:#fff;font-size:1.08rem}
.hero-grid{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:84px 0 92px}
.hero h1{color:#fff}
.hero h1 .accent{color:var(--orange-2)}
.hero-lead{font-size:1.22rem;color:#D7DCE6;max-width:520px;margin:20px 0 30px}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:30px}
.hero-points{display:flex;flex-wrap:wrap;gap:18px 28px;list-style:none}
.hero-points li{display:flex;align-items:center;gap:9px;color:#E7EAF1;font-weight:600;font-family:var(--font-display);font-size:.98rem}
.hero-points .icn{width:20px;height:20px;color:var(--orange-2);flex-shrink:0}
.hero-media{position:relative}
.hero-media img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);width:100%;height:auto;aspect-ratio:5/6;object-fit:cover;object-position:center}
.hero-badge{
  position:absolute;bottom:-22px;left:-22px;background:#fff;color:var(--ink);
  border-radius:18px;padding:16px 20px;box-shadow:var(--shadow);display:flex;align-items:center;gap:14px;
}
.hero-badge .num{font-family:var(--font-display);font-weight:800;font-size:1.7rem;color:var(--orange-deep);line-height:1}
.hero-badge small{display:block;color:var(--muted);font-size:.82rem}
.hero-badge .stars{color:var(--gold);display:flex;gap:1px}
.hero-badge .stars .icn{width:15px;height:15px}

/* ---------- Partner strip ---------- */
.partners{padding:26px 0;border-bottom:1px solid var(--line)}
.partners-inner{display:flex;align-items:center;justify-content:center;gap:14px 34px;flex-wrap:wrap;color:var(--muted);font-weight:600;font-family:var(--font-display);font-size:.95rem}
.partners-inner span{color:var(--ink)}
.partners-inner b{color:var(--slate);font-weight:700}

/* ---------- Service cards ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px;transition:transform .25s,box-shadow .25s,border-color .25s;position:relative;overflow:hidden;
}
.card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--accent-bar);transform:scaleY(0);transform-origin:top;transition:transform .3s}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.card:hover::before{transform:scaleY(1)}
.card-icon{
  width:56px;height:56px;border-radius:14px;display:grid;place-items:center;margin-bottom:18px;
  background:linear-gradient(135deg,rgba(232,122,35,.14),rgba(232,70,59,.10));color:var(--orange-deep);
}
.card-icon .icn{width:28px;height:28px}
.card h3{margin-bottom:8px}
.card p{font-size:.98rem;color:var(--body);margin:0}

/* ---------- Split feature ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split-media img{border-radius:var(--radius-lg);box-shadow:var(--shadow);width:100%;height:auto}
.feature-list{list-style:none;margin-top:8px}
.feature-list li{display:flex;gap:14px;padding:13px 0;border-bottom:1px solid var(--line)}
.feature-list li:last-child{border-bottom:0}
.feature-list .tick{flex-shrink:0;width:30px;height:30px;border-radius:9px;background:rgba(232,122,35,.12);color:var(--orange-deep);display:grid;place-items:center}
.feature-list .tick .icn{width:18px;height:18px}
.feature-list b{font-family:var(--font-display);color:var(--ink);display:block;margin-bottom:1px}
.feature-list small{color:var(--muted);font-size:.92rem;line-height:1.5}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s}
.step{position:relative;padding-top:18px}
.step .n{font-family:var(--font-display);font-weight:800;font-size:2.6rem;color:transparent;-webkit-text-stroke:1.5px var(--orange);line-height:1;margin-bottom:10px}
.step h3{font-size:1.12rem;margin-bottom:6px}
.step p{font-size:.95rem;color:var(--muted);margin:0}

/* ---------- Reviews ---------- */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.review{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;position:relative}
.review .quote{font-family:var(--font-display);font-size:3.4rem;color:var(--orange);line-height:.6;opacity:.25;height:26px}
.review .stars{display:flex;gap:3px;color:var(--gold);margin:8px 0 14px}
.review .stars .icn{width:18px;height:18px}
.review p{font-size:1rem;color:var(--body)}
.review .who{font-family:var(--font-display);font-weight:700;color:var(--ink)}

/* ---------- Insurance buttons ---------- */
.ins-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.ins-btn{
  display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);padding:22px;transition:.25s;position:relative;overflow:hidden;
}
.ins-btn:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent;color:inherit}
.ins-btn .ico{flex-shrink:0;width:50px;height:50px;border-radius:13px;display:grid;place-items:center;background:linear-gradient(135deg,var(--orange),var(--orange-deep));color:#fff;transition:.25s}
.ins-btn .ico .icn{width:25px;height:25px}
.ins-btn .txt{flex:1;min-width:0}
.ins-btn .txt b{font-family:var(--font-display);color:var(--ink);font-size:1.05rem;display:block;line-height:1.25}
.ins-btn .txt small{color:var(--muted);font-size:.88rem}
.ins-btn .go{flex-shrink:0;color:var(--muted);transition:.25s}
.ins-btn .go .icn{width:22px;height:22px}
.ins-btn:hover .go{color:var(--orange);transform:translateX(4px)}

/* ---------- Reality listings ---------- */
.prop-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.prop{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.25s;display:flex;flex-direction:column}
.prop:hover{transform:translateY(-6px);box-shadow:var(--shadow);color:inherit}
.prop-img{position:relative;aspect-ratio:4/3;background:var(--bg-soft) var(--mesh-light);background-size:cover;overflow:hidden}
.prop-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.prop:hover .prop-img img{transform:scale(1.06)}
.prop-tag{position:absolute;top:12px;left:12px;background:var(--orange);color:#fff;font-family:var(--font-display);font-weight:600;font-size:.78rem;padding:5px 12px;border-radius:50px}
.prop-body{padding:20px;display:flex;flex-direction:column;flex:1}
.prop-body h3{font-size:1.08rem;line-height:1.3;margin-bottom:6px}
.prop-loc{display:flex;align-items:center;gap:6px;color:var(--muted);font-size:.9rem;margin-bottom:14px}
.prop-loc .icn{width:16px;height:16px;flex-shrink:0}
.prop-meta{display:flex;gap:14px;flex-wrap:wrap;color:var(--slate);font-size:.86rem;margin-bottom:16px}
.prop-meta span{background:var(--bg-soft);padding:4px 10px;border-radius:8px;font-weight:600}
.prop-foot{margin-top:auto;display:flex;align-items:center;justify-content:space-between}
.prop-price{font-family:var(--font-display);font-weight:800;color:var(--orange-deep);font-size:1.25rem}
.notice{background:#fff;border:1px solid var(--line);border-left:4px solid var(--orange);border-radius:12px;padding:20px 24px;color:var(--body)}

/* ---------- CTA band ---------- */
.cta-band{position:relative;background:var(--navy);color:#fff;border-radius:var(--radius-lg);padding:56px;overflow:hidden}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 400px at 85% 20%,rgba(232,122,35,.28),transparent 60%),var(--mesh);opacity:.95}
.cta-band .inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:6px}
.cta-band p{color:#CBD2DE;margin:0}

/* ---------- Forms ---------- */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:34px;box-shadow:var(--shadow-sm)}
.field{margin-bottom:16px}
.field label{display:block;font-family:var(--font-display);font-weight:600;color:var(--ink);margin-bottom:6px;font-size:.94rem}
.field input,.field textarea{
  width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:11px;
  font-family:var(--font-body);font-size:1rem;color:var(--ink);background:#fff;transition:border-color .2s,box-shadow .2s;
}
.field input:focus,.field textarea:focus{outline:0;border-color:var(--orange);box-shadow:0 0 0 4px rgba(232,122,35,.12)}
.field textarea{resize:vertical;min-height:120px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--muted)}
.check input{width:auto;margin-top:4px}
.form-msg{padding:14px 16px;border-radius:11px;margin-bottom:16px;font-weight:600;display:none}
.form-msg.ok{display:block;background:#E9F7EE;color:#1B7A3D;border:1px solid #BFE6CC}
.form-msg.err{display:block;background:#FDECEA;color:#B23A2F;border:1px solid #F5C9C3}

/* ---------- Contact tiles ---------- */
.contact-tiles{display:grid;gap:14px}
.ctile{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.ctile .ico{flex-shrink:0;width:46px;height:46px;border-radius:12px;background:rgba(232,122,35,.12);color:var(--orange-deep);display:grid;place-items:center}
.ctile .ico .icn{width:22px;height:22px}
.ctile b{font-family:var(--font-display);color:var(--ink);display:block}
.ctile a,.ctile span{color:var(--body)}

/* team */
.team-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.member{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.member .top{display:flex;align-items:center;gap:16px;margin-bottom:14px}
.member .ava{width:60px;height:60px;border-radius:50%;background:linear-gradient(135deg,var(--orange),var(--orange-deep));color:#fff;display:grid;place-items:center;font-family:var(--font-display);font-weight:800;font-size:1.4rem;flex-shrink:0}
.member h3{margin:0;font-size:1.2rem}
.member .role{color:var(--orange-deep);font-family:var(--font-display);font-weight:600;font-size:.9rem}
.member .links{display:flex;flex-direction:column;gap:6px;margin-top:14px}
.member .links a{display:flex;align-items:center;gap:9px;color:var(--body);font-weight:600;font-size:.96rem}
.member .links .icn{width:17px;height:17px;color:var(--orange)}
.member .bio{font-size:.95rem;color:var(--body);margin-top:12px}

/* page hero (interior) */
.phero{background:var(--navy);color:#fff;position:relative;overflow:hidden;padding:64px 0}
.phero::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 380px at 80% 10%,rgba(232,122,35,.20),transparent 60%),var(--mesh);opacity:.9}
.phero .inner{position:relative;max-width:740px}
.phero h1{color:#fff;margin-bottom:10px}
.phero p{color:#CBD2DE;font-size:1.15rem;margin:0}
.crumbs{position:relative;font-size:.86rem;color:#9aa3b4;margin-bottom:14px}
.crumbs a{color:#cdd3df}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#AEB6C4;padding:64px 0 26px;position:relative;overflow:hidden}
.site-footer::before{content:"";position:absolute;inset:0;background:var(--mesh);opacity:.5}
.foot-grid{position:relative;display:grid;grid-template-columns:1.5fr 1fr 1fr 1.4fr;gap:36px;margin-bottom:40px}
.site-footer img.flogo{height:40px;margin-bottom:16px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:16px;letter-spacing:.02em}
.site-footer a{color:#AEB6C4}
.site-footer a:hover{color:var(--orange-2)}
.foot-list{list-style:none;display:flex;flex-direction:column;gap:9px;font-size:.95rem}
.foot-contact{font-size:.95rem;line-height:1.8}
.foot-legal{position:relative;border-top:1px solid rgba(255,255,255,.1);padding-top:22px;font-size:.82rem;color:#828B9B;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
.foot-legal a{color:#9aa3b4}
.disclaimer{position:relative;font-size:.78rem;color:#727B8B;line-height:1.65;margin-bottom:22px;max-width:none;border-top:1px solid rgba(255,255,255,.1);padding-top:22px}
.soc{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:11px;background:rgba(255,255,255,.07);color:#cdd3df;transition:.2s}
.soc:hover{background:var(--orange);color:#fff}
.soc .icn{width:20px;height:20px}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1);animation:reveal-fallback 1ms linear 1.5s forwards}
.reveal.in{opacity:1;transform:none}
/* Poistka: ak scroll-animácia niektorý blok minie (.in sa nepridá), obsah sa po 1,5 s zobrazí sám – nikdy nezostane vyblednutý. */
@keyframes reveal-fallback{to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none;animation:none}}

/* ---------- Responsive ---------- */
@media(max-width:980px){
  .hero-grid,.split{grid-template-columns:1fr;gap:32px}
  .hero-media{max-width:560px}
  .grid-3,.reviews,.ins-grid,.prop-grid{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);gap:28px}
  .foot-grid{grid-template-columns:1fr 1fr;gap:30px}
}
@media(max-width:760px){
  .section{padding:62px 0}
  .hero-bg{background:linear-gradient(180deg, rgba(35,42,56,.88) 0%, rgba(35,42,56,.92) 100%), url("../img/office.jpg") center/cover no-repeat}
  .hero-inner{padding:54px 0 62px;max-width:none}
  .hero-lead{font-size:1.06rem;margin:16px 0 24px}
  .hero-cta{gap:12px}
  .hero-cta .btn{width:100%;justify-content:center}
  .nav{gap:12px}
  .nav-links,.nav-phone,.nav-cta .btn-primary{display:none}
  .burger{display:flex;margin-right:-8px}
  .nav-links.show{
    display:flex;position:absolute;top:78px;left:0;right:0;flex-direction:column;align-items:stretch;
    background:#fff;border-bottom:1px solid var(--line);padding:14px 24px 22px;gap:2px;box-shadow:var(--shadow);
  }
  .nav-links.show a{padding:13px 12px;border-radius:10px}
  .nav-links.show a.active::after{display:none}
  .nav-links.show .nav-cta-mobile{display:block;margin-top:6px}
  .nav-links.show .nav-cta-mobile:first-of-type{margin-top:12px;border-top:1px solid var(--line);padding-top:14px}
  .nav-links.show .nav-cta-mobile .btn-primary{width:100%;justify-content:center;padding:14px 20px}
  .nav-links.show .nav-phone-mobile{display:inline-flex;align-items:center;gap:8px;justify-content:center;width:100%;font-family:var(--font-display);font-weight:700;color:var(--ink);padding:6px 0}
  .nav-links.show .nav-phone-mobile .icn{width:18px;height:18px;color:var(--orange)}
  .grid-3,.grid-2,.reviews,.ins-grid,.prop-grid,.team-grid,.steps{grid-template-columns:1fr}
  .cta-band{padding:36px 26px}
  .cta-band .inner{flex-direction:column;align-items:flex-start}
  .foot-grid{grid-template-columns:1fr;gap:26px}
  .hero-badge{left:0}
  body{font-size:16px}
}

:root{--mesh:url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20width%3D%22300%22%20height%3D%22300%22%20viewBox%3D%220%200%20300%20300%22%3E%3Cg%20fill%3D%22none%22%20stroke%3D%22%23ffffff%22%20stroke-opacity%3D%220.06%22%20stroke-width%3D%221%22%3E%3Cpath%20d%3D%22M0%2060%20L90%200%20L150%2070%20L60%20120%20Z%20M150%2070%20L240%2020%20L300%2090%20L240%20150%20Z%20M60%20120%20L150%2070%20L210%20160%20L120%20200%20Z%20M210%20160%20L300%2090%20L300%20200%20L240%20250%20Z%20M120%20200%20L210%20160%20L260%20250%20L160%20300%20Z%20M0%2060%20L60%20120%20L0%20190%20Z%20M0%20190%20L60%20120%20L120%20200%20L40%20280%20Z%20M160%20300%20L260%20250%20L300%20300%20Z%20M40%20280%20L120%20200%20L160%20300%20L60%20300%20Z%22/%3E%3C/g%3E%3C/svg%3E");--mesh-light:url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20width%3D%22300%22%20height%3D%22300%22%20viewBox%3D%220%200%20300%20300%22%3E%3Cg%20fill%3D%22none%22%20stroke%3D%22%231E2531%22%20stroke-opacity%3D%220.05%22%20stroke-width%3D%221%22%3E%3Cpath%20d%3D%22M0%2060%20L90%200%20L150%2070%20L60%20120%20Z%20M150%2070%20L240%2020%20L300%2090%20L240%20150%20Z%20M60%20120%20L150%2070%20L210%20160%20L120%20200%20Z%20M210%20160%20L300%2090%20L300%20200%20L240%20250%20Z%20M120%20200%20L210%20160%20L260%20250%20L160%20300%20Z%20M0%2060%20L60%20120%20L0%20190%20Z%20M0%20190%20L60%20120%20L120%20200%20L40%20280%20Z%20M160%20300%20L260%20250%20L300%20300%20Z%20M40%20280%20L120%20200%20L160%20300%20L60%20300%20Z%22/%3E%3C/g%3E%3C/svg%3E");}

/* ── Právne / textové stránky ──────────────────────────────────────── */
.prose{max-width:820px;margin:0 auto}
.prose h2{font-family:var(--font-display);font-size:1.5rem;color:var(--ink);margin:38px 0 12px;line-height:1.25}
.prose h2:first-child{margin-top:0}
.prose h3{font-family:var(--font-display);font-size:1.15rem;color:var(--ink);margin:26px 0 8px}
.prose p{color:var(--body);margin:0 0 14px;line-height:1.75}
.prose ul{margin:0 0 16px;padding-left:22px}
.prose li{color:var(--body);margin:0 0 8px;line-height:1.7}
.prose a{color:var(--orange-deep);font-weight:600}
.prose strong{color:var(--ink)}
.prose .updated{display:inline-block;font-size:.9rem;color:var(--muted);margin-bottom:26px}
.prose table{width:100%;border-collapse:collapse;margin:0 0 20px;font-size:.95rem}
.prose th,.prose td{text-align:left;padding:11px 12px;border:1px solid var(--line);vertical-align:top}
.prose th{background:var(--bg-soft);color:var(--ink);font-family:var(--font-display);font-weight:600}
.prose .box{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;margin:0 0 20px}

/* ── Logá inštitúcií (banky / poisťovne) ───────────────────────────── */
.logo-group{max-width:1000px;margin:0 auto 32px}
.logo-group:last-child{margin-bottom:0}
.logo-group-label{display:flex;align-items:center;justify-content:center;gap:14px;margin:0 0 16px;font-family:var(--font-display);font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:1.6px;font-size:.82rem}
.logo-group-label::before,.logo-group-label::after{content:"";height:1px;width:46px;background:var(--line)}
.logos{display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:14px;justify-content:center}
.logo-item{
  display:flex;align-items:center;justify-content:center;gap:14px;
  height:74px;padding:14px 22px;
  background:#fff;border:1px solid var(--line);border-radius:14px;
  transition:transform .2s,box-shadow .25s,border-color .25s;
}
.logo-item.logo-lockup{justify-content:flex-start}
.logo-item:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:transparent}
.logo-wordmark{max-height:42px;max-width:148px;width:auto;object-fit:contain}
.logo-mark{width:36px;height:36px;object-fit:contain;flex:0 0 auto}
.logo-name{font-family:var(--font-display);font-weight:700;color:var(--ink);font-size:1.02rem;letter-spacing:.2px;white-space:nowrap}
@media(max-width:760px){
  .logos{grid-template-columns:repeat(2,1fr);gap:10px}
  .logo-item{height:auto;min-height:62px;padding:12px 12px;gap:10px}
  .logo-item.logo-lockup{justify-content:center}
  .logo-mark{width:28px;height:28px}
  .logo-name{font-size:.9rem;white-space:normal;line-height:1.22}
}

/* ── Fotka pobočky (Kontakt) ───────────────────────────────────────── */
.branch-photo{margin:0;max-width:960px;margin-inline:auto}
.branch-photo img{width:100%;height:auto;aspect-ratio:16/10;object-fit:cover;object-position:center 35%;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}
.branch-photo figcaption{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:14px;color:var(--body);font-size:.97rem;text-align:center}
.branch-photo figcaption .icn{width:18px;height:18px;color:var(--orange);flex:0 0 auto}
.branch-photo figcaption strong{color:var(--ink)}
@media(max-width:760px){
  .branch-photo img{aspect-ratio:4/3}
  .branch-photo figcaption{font-size:.9rem}
}

/* ── Chatbot Robo ──────────────────────────────────────────────────── */
#robo{position:fixed;right:22px;bottom:22px;z-index:9999;font-family:var(--font-body)}
#robo-launch{display:flex;align-items:center;gap:10px;border:0;cursor:pointer;
  background:linear-gradient(135deg,var(--orange),var(--orange-deep));color:#fff;
  padding:13px 20px 13px 14px;border-radius:50px;box-shadow:0 14px 34px rgba(207,97,14,.42);
  font-family:var(--font-display);font-weight:700;font-size:1rem;transition:transform .2s,box-shadow .25s}
#robo-launch:hover{transform:translateY(-2px);box-shadow:0 18px 40px rgba(207,97,14,.5)}
#robo-launch.robo-hidden{display:none}
.robo-ava{display:flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,.22)}
.robo-ava .icn{width:20px;height:20px;color:#fff}
.robo-ava--sm{width:38px;height:38px;background:rgba(255,255,255,.18)}

#robo-panel{position:absolute;right:0;bottom:0;width:360px;max-width:calc(100vw - 32px);
  height:540px;max-height:calc(100vh - 110px);background:#fff;border-radius:20px;overflow:hidden;
  display:flex;flex-direction:column;box-shadow:0 30px 70px rgba(20,25,35,.35);border:1px solid var(--line);
  animation:roboIn .22s ease}
#robo-panel[hidden]{display:none}
@keyframes roboIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.robo-head{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:14px 16px;
  background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff}
.robo-head-id{display:flex;align-items:center;gap:11px}
.robo-head-id strong{font-family:var(--font-display);font-size:1.05rem;display:block;line-height:1.1}
.robo-head-id small{color:#aeb6c6;font-size:.78rem}
#robo-close{background:rgba(255,255,255,.12);border:0;color:#fff;cursor:pointer;width:32px;height:32px;border-radius:9px;display:flex;align-items:center;justify-content:center}
#robo-close .icn{width:18px;height:18px}
#robo-close:hover{background:rgba(255,255,255,.22)}

.robo-msgs{flex:1;overflow-y:auto;padding:16px;background:var(--bg-soft);display:flex;flex-direction:column;gap:10px}
.robo-msg{max-width:84%;padding:11px 14px;border-radius:15px;font-size:.93rem;line-height:1.5}
.robo-bot{background:#fff;border:1px solid var(--line);color:var(--ink);border-bottom-left-radius:5px;align-self:flex-start}
.robo-user{background:linear-gradient(135deg,var(--orange),var(--orange-deep));color:#fff;border-bottom-right-radius:5px;align-self:flex-end}
.robo-bot a{color:var(--orange-deep);font-weight:600;text-decoration:underline}
.robo-typing{display:flex;gap:4px;align-items:center}
.robo-typing span{width:7px;height:7px;border-radius:50%;background:var(--muted);opacity:.5;animation:roboBlink 1s infinite}
.robo-typing span:nth-child(2){animation-delay:.2s}.robo-typing span:nth-child(3){animation-delay:.4s}
@keyframes roboBlink{0%,60%,100%{opacity:.25;transform:translateY(0)}30%{opacity:1;transform:translateY(-3px)}}

.robo-quick{display:flex;flex-wrap:wrap;gap:7px;padding:10px 12px;background:#fff;border-top:1px solid var(--line)}
.robo-chip{border:1px solid var(--line);background:#fff;color:var(--orange-deep);cursor:pointer;
  padding:7px 12px;border-radius:50px;font-size:.82rem;font-weight:600;font-family:var(--font-display);transition:.2s}
.robo-chip:hover{background:var(--orange);color:#fff;border-color:transparent}
.robo-form{display:flex;gap:8px;padding:12px;background:#fff;border-top:1px solid var(--line)}
#robo-input{flex:1;border:1px solid var(--line);border-radius:12px;padding:11px 13px;font-size:.93rem;font-family:inherit;outline:none}
#robo-input:focus{border-color:var(--orange)}
.robo-form button{flex:0 0 auto;width:44px;border:0;border-radius:12px;cursor:pointer;background:var(--orange);color:#fff;display:flex;align-items:center;justify-content:center}
.robo-form button:hover{background:var(--orange-deep)}
.robo-form button .icn{width:20px;height:20px}
@media(max-width:600px){
  #robo{right:14px;bottom:14px}
  #robo-launch .robo-launch-txt{display:none}
  #robo-launch{padding:14px;border-radius:50%}
  #robo-panel{width:calc(100vw - 24px);height:calc(100vh - 96px)}
}

/* ── Blog / FAQ ─────────────────────────────────────────────────────── */
.blog-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:24px}
.blog-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;color:inherit;transition:transform .2s,box-shadow .25s,border-color .25s}
.blog-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:transparent}
.blog-card>img{width:100%;height:190px;object-fit:cover}
.blog-card-body{display:flex;flex-direction:column;gap:9px;padding:18px 20px 22px;flex:1}
.blog-card .tag{font-size:.76rem;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:var(--orange-deep)}
.blog-card h3{font-family:var(--font-display);font-size:1.16rem;line-height:1.28;margin:0;color:var(--ink)}
.blog-card-body p{color:var(--muted);font-size:.95rem;margin:0;flex:1}
.blog-card .more{font-weight:700;color:var(--orange-deep)}
.article-hero{margin:0 0 26px;border-radius:var(--radius-lg);overflow:hidden}
.article-hero img{width:100%;height:auto;display:block}
.faq-q{font-family:var(--font-display);font-weight:700;color:var(--ink);font-size:1.06rem;margin:22px 0 2px}
.prose .faq-q+p{margin-top:0}
@media(max-width:760px){ .blog-grid{grid-template-columns:1fr;gap:18px} }

/* Chat – upozornenie na ochranu údajov */
.robo-note{margin:6px 14px 12px;font-size:.72rem;line-height:1.3;color:var(--muted);text-align:center}
.robo-note a{color:var(--orange-deep);text-decoration:underline}