/* ==========================================================
   Spoločné štýly nového webu (rozcestník + oblasti) – 2026-10
   Načítava sa za styles.css na stránkach: index, investicie, hypoteky…
   ========================================================== */
#hdr{position:sticky;top:0;z-index:40}
section[id]{scroll-margin-top:84px}
.wrap{max-width:1200px;margin:0 auto}
.sec{padding:clamp(64px,9vw,104px) 20px}
.dark{background:#0F1B2D;color:#F4F5F3}
.white{background:#FFFFFF}
.eb{margin:0 0 12px;font-size:15px;letter-spacing:.16em;text-transform:uppercase;color:#6B5530;font-weight:600}
.dark .eb{color:#C9A46A}
.h2{margin:0 0 16px;font-family:'Cormorant Garamond',serif;font-weight:600;font-size:clamp(32px,5vw,48px);line-height:1.1;max-width:820px}
.gold{color:#C9A46A}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 28px;border-radius:6px;background:#C9A46A;color:#0F1B2D;text-decoration:none;border:0;font:inherit;font-weight:600;cursor:pointer}
.btn:hover{color:#0F1B2D;background:#D4B27C}
.btn-ghost{background:transparent;border:1px solid #4A5568;color:#F4F5F3;font-weight:500}
.btn-ghost:hover{background:transparent;color:#F4F5F3;border-color:#C9A46A}
.btn-dark{background:#0F1B2D;color:#F4F5F3}
.btn-dark:hover{background:#1C2B42;color:#F4F5F3}
.nav-on{color:#C9A46A!important;border-bottom:1px solid #C9A46A}
.crumbs{margin:0 0 20px;font-size:14px;color:#A9B2BF}
.crumbs a{color:#C9A46A;text-decoration:none}

/* úvod oblasti (fotka v rámčeku) */
.hero{max-width:1200px;margin:0 auto;padding:clamp(32px,5vw,48px) 24px clamp(48px,7vw,88px);display:flex;flex-wrap:wrap;gap:clamp(32px,5vw,64px);align-items:center}
.hero-copy{flex:1 1 520px;min-width:0}
.hero h1{margin:0 0 24px;font-family:'Cormorant Garamond',serif;font-weight:600;font-size:clamp(38px,6.4vw,66px);line-height:1.05}
.hero-lead{margin:0 0 32px;font-size:20px;color:#C9CFD8}
.hero-img{flex:0 1 440px;min-width:0;margin:0 auto}
.hero-img img{width:100%;max-width:440px;aspect-ratio:22/26;object-fit:cover;object-position:center 12%;border-radius:12px;display:block}

/* dlaždice oblastí (rozcestník) */
.areas{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.area{background:#FFFFFF;border:1px solid #E1E4E8;border-radius:12px;padding:28px;display:flex;flex-direction:column;gap:12px;color:#0F1B2D;text-decoration:none;transition:border-color .15s,box-shadow .15s}
.area:hover{border-color:#C9A46A;box-shadow:0 10px 30px rgba(15,27,45,.08);color:#0F1B2D}
.area .ic{width:48px;height:48px;border-radius:10px;background:#0F1B2D;display:flex;align-items:center;justify-content:center;flex:none}
.area h3{margin:4px 0 0;font-family:'Cormorant Garamond',serif;font-size:30px;font-weight:600;line-height:1.15}
.area q{font-style:italic;font-size:16px;color:#0F1B2D;quotes:"„" "“"}
.area p{margin:0;font-size:16px;color:#4A5568}
.area .more{margin-top:auto;padding-top:12px;font-weight:600;color:#6B5530}

/* situácie (oblasť) */
.cards{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
@media (max-width:1100px){.cards{grid-template-columns:repeat(auto-fit,minmax(210px,1fr))}}
.card{background:#FFFFFF;border:1px solid #E1E4E8;border-left:3px solid #C9A46A;border-radius:10px;padding:24px;display:flex;flex-direction:column;gap:10px}
.card h3{margin:0;font-family:'Cormorant Garamond',serif;font-size:25px;font-weight:600;line-height:1.15}
.card p{margin:0;font-size:15px;color:#4A5568;line-height:1.55}

/* krátky formulár */
.quick{margin-top:40px;background:#FFFFFF;border:2px solid #C9A46A;border-radius:12px;padding:clamp(20px,4vw,32px)}
.quick-hd{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:8px 24px;margin-bottom:16px}
.quick-hd h2{margin:0;font-family:'Cormorant Garamond',serif;font-weight:600;font-size:clamp(26px,3.6vw,34px);line-height:1.1}
.quick-hd span{font-size:15px;color:#4A5568}
.quick form{display:grid;grid-template-columns:1.2fr 1fr 1fr auto;gap:12px;align-items:end}
@media (max-width:820px){.quick form{grid-template-columns:1fr}}

/* polia formulárov */
.fld{display:flex;flex-direction:column;gap:6px}
.fld label,.lgd{font-size:15px;font-weight:600}
.fld input,.fld select,.fld textarea{min-height:48px;padding:0 12px;border:1px solid #C5CBD3;border-radius:6px;font:inherit;font-size:16px;background:#fff;color:#0F1B2D;width:100%}
.fld textarea{padding:10px 12px;resize:vertical}
.consent{grid-column:1/-1;display:flex;gap:10px;align-items:flex-start;font-size:14px;color:#4A5568;line-height:1.45}
.consent input{width:20px;height:20px;flex:none;margin-top:1px}
.full{grid-column:1/-1}
.opt{font-weight:400;color:#4A5568}
.bigform{flex:1 1 520px;min-width:0;background:#FFFFFF;border:1px solid #E1E4E8;border-radius:12px;padding:clamp(20px,4vw,32px);display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:18px}
.bigform fieldset{grid-column:1/-1;margin:0;padding:0;border:0}
.bigform legend{font-size:15px;font-weight:600;padding:0 0 10px}
.boxes{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:6px 16px}
.boxes label{display:flex;gap:10px;align-items:center;min-height:38px;font-size:16px;cursor:pointer}
.boxes input{width:20px;height:20px;flex:none;margin:0;accent-color:#0F1B2D}
.submit{grid-column:1/-1;min-height:52px;border:0;border-radius:6px;background:#0F1B2D;color:#F4F5F3;font:inherit;font-size:17px;font-weight:600;cursor:pointer}

/* kontrola + e-book */
.ticks{list-style:none;margin:0 0 32px;padding:0;display:flex;flex-direction:column;gap:12px;font-size:18px;color:#E6E9ED}
.ticks li{display:flex;gap:12px;align-items:flex-start}
.ticks svg{flex:none;margin-top:5px}
.split{display:flex;flex-wrap:wrap;gap:clamp(32px,5vw,56px);align-items:flex-start}
.split>*{flex:1 1 440px;min-width:0}
.ebook{background:#16243A;border:1px solid #2A3A52;border-radius:12px;padding:clamp(22px,4vw,32px)}
.ebook h3{margin:0 0 14px;font-family:'Cormorant Garamond',serif;font-size:30px;font-weight:600;line-height:1.15}
.ebook ol{margin:0 0 20px;padding-left:22px;color:#C9CFD8;font-size:16px;display:flex;flex-direction:column;gap:4px}
.ebook form{display:flex;flex-wrap:wrap;gap:10px}
.ebook input[type=email]{flex:1 1 200px;min-height:48px;padding:0 14px;border:1px solid #4A5568;border-radius:6px;background:#0F1B2D;color:#F4F5F3;font:inherit;font-size:16px}
.ebook button{min-height:48px;padding:0 20px;border:0;border-radius:6px;background:#F4F5F3;color:#0F1B2D;font:inherit;font-weight:600;cursor:pointer}
.ebook .small{margin:10px 0 0;font-size:13px;color:#8C97A6}
.ebook .small a{color:#C9CFD8}
.ebook .form-msg{color:#C9CFD8}

/* nástroje (oblasť) */
.tools{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px}
.tool{text-align:left;background:#16243A;border:1px solid #2A3A52;border-radius:10px;padding:22px 24px;color:#F4F5F3;font:inherit;cursor:pointer;display:flex;flex-direction:column;gap:6px}
.tool:hover,.tool[aria-expanded=true]{border-color:#C9A46A}
.tool b{font-family:'Cormorant Garamond',serif;font-size:25px;font-weight:600;color:#C9A46A;line-height:1.15}
.tool span{font-size:15px;color:#A9B2BF}
.tool i{font-style:normal;font-size:14px;color:#C9A46A;margin-top:4px}
.panel{margin-top:16px;background:#16243A;border:1px solid #2A3A52;border-radius:12px;padding:clamp(22px,4vw,36px)}
.panel h3{margin:0 0 12px;font-family:'Cormorant Garamond',serif;font-size:30px;font-weight:600}
.panel p,.panel li{color:#C9CFD8;font-size:17px}
.panel ol{margin:0;padding-left:22px;display:flex;flex-direction:column;gap:10px}
.panel strong{color:#F4F5F3}
.panel .note{font-size:13px;color:#8C97A6;line-height:1.5;margin:20px 0 0}
.calc{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;align-items:end}
.calc label{display:flex;justify-content:space-between;font-size:15px;color:#C9CFD8;margin-bottom:8px}
.calc label b{color:#F4F5F3}
.calc input[type=range]{width:100%;accent-color:#C9A46A}
.calc-out{margin-top:28px;display:flex;flex-wrap:wrap;gap:12px 40px;align-items:baseline;border-top:1px solid #2A3A52;padding-top:22px}
.calc-out b{font-family:'Cormorant Garamond',serif;font-size:clamp(38px,5vw,52px);font-weight:600;color:#F4F5F3;line-height:1}
.calc-out span{color:#A9B2BF;font-size:16px}
.bar-row{margin:18px 0 0}
.bar-lbl{display:flex;justify-content:space-between;gap:12px;margin-bottom:8px;font-size:16px;color:#C9CFD8}
.bar-lbl b{font-family:'Cormorant Garamond',serif;font-size:32px;font-weight:600;color:#F4F5F3;line-height:1}
.bar{height:12px;border-radius:6px;background:#22324B;overflow:hidden}
.bar span{display:block;height:100%;border-radius:6px}

/* ako pracujem (spoločné) */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:28px}
.steps div{border-top:1px solid #4A5568;padding-top:18px;display:flex;flex-direction:column;gap:6px}
.steps small{font-family:'Sora',sans-serif;font-size:14px;color:#A07B3E;font-weight:600}
.steps h3{margin:0;font-family:'Cormorant Garamond',serif;font-size:30px;font-weight:600}
.steps p{margin:0;font-size:16px;color:#A9B2BF}

@media (max-width:820px){
  .cards.swipe>*,.areas.swipe>*{flex:0 0 78%}
}

/* úprava 17. 10. – dlaždice so zoznamom, dve políčka, čísla v úvode oblastí */
.area ul{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:8px;font-size:16px;color:#4A5568}
.area li{position:relative;padding-left:18px;line-height:1.45}
.area li::before{content:"";position:absolute;left:0;top:.6em;width:7px;height:7px;border-radius:50%;background:#C9A46A}
.quick form.two{grid-template-columns:1fr 1fr 1fr 1fr auto}
@media (max-width:1100px){.quick form.two{grid-template-columns:1fr 1fr}.quick form.two .fld:last-of-type{grid-column:1/-1}}
@media (max-width:600px){.quick form.two{grid-template-columns:1fr}}
.stats{margin-top:44px;display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:24px;border-top:1px solid #2A3A52;padding-top:28px}
.stats b{display:block;font-family:'Cormorant Garamond',serif;font-size:clamp(30px,4.5vw,44px);font-weight:600;line-height:1.1;color:#F4F5F3}
.stats span{font-size:16px;color:#A9B2BF}
.btn{text-align:center;line-height:1.3;padding-top:10px;padding-bottom:10px}

/* ===== mobil – zjednodušenie (17. 10.) ===== */
.omne-more{display:none}
@media (max-width:820px){
  /* 1. menšia fotka v úvode */
  #top img[fetchpriority]{height:300px!important;max-width:240px!important;margin:0 auto}
  #top .hero-img img{max-width:240px}
  /* 2. krátky formulár – jedno políčko */
  .quick form.two{grid-template-columns:1fr}
  .quick form.two .fld:has(#q-sit2){display:none}
  /* 3. Ako pracujem 2 × 2 */
  .steps{grid-template-columns:1fr 1fr;gap:22px 16px}
  .steps h3{font-size:24px}
  .steps p{font-size:15px}
  /* 4. O mne – skrátené s Čítať ďalej */
  .omne-img{height:300px!important;max-width:240px!important;margin:0 auto}
  .omne-text.collapsed .omne-first{display:-webkit-box;-webkit-line-clamp:6;-webkit-box-orient:vertical;overflow:hidden;margin-bottom:0!important}
  .omne-text.collapsed>*:not(.omne-first){display:none}
  .omne-more{display:inline-flex;margin-top:14px;min-height:44px;align-items:center;padding:0;border:0;background:none;font:inherit;font-weight:600;color:#6B5530;cursor:pointer}
}
@media (max-width:820px){
  .boxes{grid-template-columns:1fr 1fr;gap:4px 12px}
  .boxes label{font-size:15px;align-items:flex-start;line-height:1.3;min-height:36px}
  .boxes input{margin-top:1px}
  .sec{padding-top:56px;padding-bottom:56px}
}

/* mobil – čísla vedľa seba, fotka bližšie k textu, zbalené pravidlá (17. 10.) */
.ebook-more{display:none}
@media (max-width:820px){
  #top div[style*="minmax(150px"],.stats{grid-template-columns:repeat(3,1fr)!important;gap:10px!important;margin-top:32px!important;padding-top:20px!important}
  #top div[style*="minmax(150px"]>div>div:first-child,.stats b{font-size:20px!important;line-height:1.15!important}
  #top div[style*="minmax(150px"]>div>div:last-child,.stats span{font-size:13px!important;line-height:1.35!important;display:block}
  #top>div{gap:0!important;padding-top:32px!important}
  #top>div>div:first-child{padding-bottom:16px!important}
  #top img[fetchpriority]{margin-top:-8px}
  .ebook-more{display:inline-flex;min-height:44px;align-items:center;margin:0 0 12px;padding:0;border:0;background:none;font:inherit;font-weight:600;color:#C9A46A;cursor:pointer}
  .ebook-list{display:none!important}
  .ebook-list.open{display:flex!important}
}
@media (max-width:820px){.ebook .ebook-more{background:none;color:#C9A46A;padding:0;min-height:40px}}
@media (max-width:820px){#top img[fetchpriority]{object-position:center 40%!important;height:280px!important}}

/* mobil – bez Vybrať oblasť, kratší kontakt, hustejšia päta (17. 10.) */
.txt-short{display:none}
@media (max-width:820px){
  #top a[href="#oblasti"]{display:none!important}
  .txt-full{display:none}
  .txt-short{display:inline}
  #kontakt>div{gap:28px!important}
  .foot{padding:40px 20px 32px!important}
  .foot nav{display:grid!important;grid-template-columns:1fr 1fr;gap:10px 16px!important;font-size:14px}
  .foot p{font-size:12.5px;line-height:1.5}
  .foot>div{gap:18px!important}
}

/* Investície (17. 10.) */
@media (max-width:1000px) and (min-width:821px){.goals{grid-template-columns:repeat(2,1fr)!important}}
@media (max-width:820px){ #top a[href="#ako"]{display:none!important} }

/* Investície – mobil (17. 10.) */
.fold-ic{display:none}
@media (max-width:820px){
  .tabs{display:grid!important;grid-template-columns:repeat(3,1fr);gap:6px!important}
  .tabs button{padding:6px 4px!important;font-size:13px!important;line-height:1.2;min-height:44px}
  #kalkulacky .swipe-hint{display:none}
  .swipe.fit>*{flex:0 0 86%}
  .fold legend{display:flex;width:100%;justify-content:space-between;align-items:center;gap:10px;cursor:pointer;border:1px solid #C5CBD3;border-radius:6px;padding:12px 14px!important;background:#fff;font-size:15px}
  .fold .fold-ic{display:inline-block;width:9px;height:9px;border-right:2px solid #0F1B2D;border-bottom:2px solid #0F1B2D;transform:rotate(45deg);margin-top:-4px;flex:none}
  .fold.open .fold-ic{transform:rotate(-135deg);margin-top:4px}
  .fold .boxes{display:none;margin-top:10px}
  .fold.open .boxes{display:grid}
}
.ebook-sub{margin:0 0 12px;font-size:15px;color:#C9A46A;font-style:italic}

/* Hypotéky – karty s ikonou a príklad z praxe (17. 10.) */
.icard{border-left:1px solid #E1E4E8}
.cic{width:48px;height:48px;border-radius:50%;background:#F3ECDF;display:flex;align-items:center;justify-content:center;margin-bottom:4px}
.icard h3{font-family:'Sora',sans-serif;font-size:18px;line-height:1.3}
.ex{display:flex;flex-wrap:wrap;gap:clamp(32px,5vw,64px);align-items:center}
.ex-copy{flex:1 1 380px;min-width:0}
.ex-copy p{color:#C9CFD8;margin:0 0 28px;max-width:560px}
.ex-chart{flex:1 1 440px;min-width:0;background:#16243A;border:1px solid #2A3A52;border-radius:12px;padding:clamp(22px,4vw,36px)}
.ex-chart .bar-row:first-child{margin-top:0}
.ex-chart .bar-lbl b{font-size:clamp(28px,4vw,40px)}
.ex-note{margin:24px 0 0;font-size:13px;line-height:1.5;color:#8C97A6}
#ebook-sec .ebook{color:#F4F5F3}
.ebook .eb{color:#C9A46A}
.calc-cta{margin-top:20px;display:flex;flex-wrap:wrap;gap:16px 32px;align-items:center;justify-content:space-between}
.calc-cta>div{flex:1 1 420px;min-width:0}
.calc-cta p{margin:0;color:#C9CFD8;font-size:17px}
.calc-cta strong{color:#F4F5F3}
.calc-cta .calc-cta-2{margin-top:8px;font-size:15px;color:#A9B2BF}

/* Dôchodok a Poistenie (18. 10.) */
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.facts>div{background:#F4F5F3;border-radius:12px;padding:26px;display:flex;flex-direction:column;gap:8px}
.facts b{font-family:'Cormorant Garamond',serif;font-size:44px;font-weight:600;line-height:1;color:#0F1B2D}
.facts span{font-size:16px;color:#2D3748}
.facts small{font-size:13px;color:#8C97A6;margin-top:auto}
.calc-sel{width:100%;min-height:44px;border-radius:6px;border:1px solid #4A5568;background:#0F1B2D;color:#F4F5F3;font:inherit;font-size:16px;padding:0 10px}
.d-out{margin-top:28px;border-top:1px solid #2A3A52;padding-top:22px;display:grid;grid-template-columns:minmax(220px,1fr) 2fr;gap:16px 40px;align-items:center}
.d-total span{display:block;color:#A9B2BF;font-size:15px}
.d-total b{display:block;font-family:'Cormorant Garamond',serif;font-size:clamp(40px,5vw,56px);font-weight:600;color:#F4F5F3;line-height:1.05}
.d-total small{color:#C9A46A;font-size:15px}
.d-rows{display:grid;grid-template-columns:1fr 1fr;gap:10px 24px}
.d-rows div{display:flex;justify-content:space-between;gap:12px;font-size:15px;color:#C9CFD8;border-bottom:1px solid #22324B;padding-bottom:6px}
.d-rows b{color:#F4F5F3}
.d-stack{grid-column:1/-1;display:flex;height:14px;border-radius:7px;overflow:hidden;background:#22324B}
.d-stack span{display:block;height:100%;transition:width .2s}
@media (max-width:820px){.d-out{grid-template-columns:1fr}.d-rows{grid-template-columns:1fr}}
.types{margin:24px 0 0;font-size:16px;color:#4A5568}
.types strong{color:#0F1B2D;font-weight:600}
.ex-tip{margin-top:22px;background:#0F1B2D;border-left:3px solid #C9A46A;border-radius:6px;padding:14px 16px;font-size:15px;color:#C9CFD8}
.ex-tip b{color:#F4F5F3}
.ex-copy p+p{margin-top:-12px}
.test{display:flex;flex-direction:column;gap:12px}
.tq{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px 24px;background:#F4F5F3;border-radius:10px;padding:16px 20px}
.tq p{margin:0;flex:1 1 380px;display:flex;gap:14px;align-items:baseline;font-size:17px;color:#0F1B2D}
.tq p span{font-family:'Cormorant Garamond',serif;font-size:26px;font-weight:700;color:#A07B3E;min-width:18px}
.tq-b{display:flex;gap:8px}
.tq-b button{min-height:44px;padding:0 18px;border-radius:999px;border:1px solid #C5CBD3;background:#fff;font:inherit;font-size:15px;font-weight:600;color:#0F1B2D;cursor:pointer}
.tq-b button.on{background:#0F1B2D;border-color:#0F1B2D;color:#fff}
.test-res{margin-top:24px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px 32px;background:#0F1B2D;color:#F4F5F3;border-radius:12px;padding:24px 28px}
.test-res>div{flex:1 1 420px}
.test-res b{font-family:'Cormorant Garamond',serif;font-size:40px;font-weight:600;color:#C9A46A}
.test-res p{margin:4px 0 0;color:#C9CFD8}
.test-res .btn-dark{background:#C9A46A;color:#0F1B2D}

/* skrátenie Dôchodok/Poistenie na mobile (18. 10.) */
.note-short{display:none}
@media (max-width:820px){
  #ebook-sec .split>div:first-child p:not(.eb){display:none}
  #ebook-sec .split>div:first-child .h2{font-size:28px;margin-bottom:0}
  #ebook-sec .split{gap:20px}
  .facts.swipe>*{flex:0 0 80%}
  .note-full{display:none}.note-short{display:inline}
  #situacie>.wrap>p[style]{display:none}
  .types{display:none}
  .tq{padding:12px 14px;gap:8px}
  .tq p{font-size:15px;flex-basis:100%}
  .tq p span{font-size:20px}
  .tq-b button{min-height:38px;padding:0 14px;font-size:14px}
  .ex-tip{display:none}
  .ex-copy p+p{display:none}
  .calc{gap:14px}
  #prognoza>.wrap>p[style]{font-size:16px;margin-bottom:24px!important}
}
.calc-more{margin-top:18px;border-top:1px solid #2A3A52;padding-top:14px}
.calc-more summary{cursor:pointer;color:#C9A46A;font-weight:600;font-size:15px;min-height:40px;display:flex;align-items:center}
.calc-more .calc{margin-top:10px}
@media (max-width:820px){
  .sec{padding-top:44px;padding-bottom:44px}
  .d-rows{grid-template-columns:1fr 1fr;gap:8px 14px}
  .d-rows div{flex-direction:column;gap:0;font-size:13px}
  .d-rows b{font-size:16px}
  .ex-note{font-size:12px;margin-top:16px}
}
@media (max-width:820px){
  #top img[fetchpriority]{height:230px!important}
  .bigform textarea{min-height:70px}
}
@media (max-width:820px){
  #ebook-sec{display:none}
  body:has(#ebook-sec) .omne-img{display:none}
  body:has(#ebook-sec) #o-mne>div{gap:0!important}
}
.cards.six{grid-template-columns:repeat(3,1fr)}@media (max-width:1100px){.cards.six{grid-template-columns:repeat(auto-fit,minmax(210px,1fr))}}

/* ===== v9 (19. 10. 2026) ===== */
/* nadpisy a úvodné vety: na počítači bez lámania v polovici vety */
br.dbr{display:none}
@media (min-width:900px){
  h1,h2,.h2,.hero h1{text-wrap:balance}
  .d-one{max-width:none!important}
  br.dbr{display:inline}
  .d-sm{font-size:17px}
}
/* skrátené O mne na podstránkach */
.omne-short{max-width:1200px;margin:0 auto;display:flex;align-items:center;gap:28px}
.omne-short img{width:120px;height:120px;border-radius:50%;object-fit:cover;border:3px solid #C9A46A;flex:none}
.omne-short .eb{color:#6B5530;margin-bottom:6px}
.omne-short-name{margin:0 0 6px;font-size:22px;font-weight:600}
.omne-short-txt{margin:0 0 10px;color:#4A5568;max-width:760px}
.omne-short-more{color:#6B5530;font-weight:600;text-decoration:none;border-bottom:1px solid #C9A46A}
.omne-short-more:hover{color:#0F1B2D}
@media (max-width:640px){
  .omne-short{gap:16px;align-items:flex-start}
  .omne-short img{width:76px;height:76px}
  .omne-short-name{font-size:19px}
  .omne-short-txt{font-size:16px}
}
/* kalkulačka dôchodku – zvýraznený zostatok 2. piliera */
.calc-hl{grid-column:1/-1;background:rgba(201,164,106,.12);border:2px solid #C9A46A;border-radius:10px;padding:16px 18px}
.calc-hl label.calc-chk{display:flex;justify-content:flex-start;gap:10px;align-items:center;margin:12px 0 0;color:#F4F5F3;font-weight:600;font-size:15px;cursor:pointer}
.calc-chk input{width:20px;height:20px;accent-color:#C9A46A;flex:none}
.calc-hint{margin:8px 0 0;font-size:14px;color:#E3CC9E}
.calc-hl.is-est input[type=range]{opacity:.5}
.d-note{display:block;font-size:12px;color:#C9A46A;font-weight:400}
.calc label{gap:8px}
.calc label b{white-space:nowrap}

/* ===== v10 – vstupné stránky (19. 10. 2026) ===== */
.lp-hero{max-width:1200px;margin:0 auto;padding:clamp(24px,4vw,40px) 24px clamp(48px,6vw,72px);display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:clamp(28px,4vw,56px);align-items:start}
.lp-hero h1{margin:0 0 18px;font-family:'Cormorant Garamond',serif;font-weight:600;font-size:clamp(36px,5.2vw,58px);line-height:1.06;text-wrap:balance}
.lp-lead{margin:0 0 22px;font-size:20px;color:#C9CFD8;text-wrap:pretty}
.lp-ticks{margin:0 0 26px;gap:10px;font-size:17px}
.lp-btns{display:flex;flex-wrap:wrap;gap:12px}
.lp-btns .btn{gap:10px;min-height:52px}
.lp-call{background:#C9A46A;color:#0F1B2D}
.lp-wa{background:#25D366;color:#0B2E18}
.lp-wa:hover{background:#2EE172;color:#0B2E18}
.lp-trust{margin:22px 0 0;font-size:15px;color:#A9B2BF}
.lp-trust b{color:#F4F5F3;font-weight:600}
.lp-card{background:#FFFFFF;color:#0F1B2D;border-radius:14px;padding:clamp(20px,3vw,28px);box-shadow:0 18px 50px rgba(0,0,0,.28);border-top:4px solid #C9A46A}
.lp-card-hd{display:flex;gap:14px;align-items:center;margin-bottom:16px}
.lp-card-hd img{width:56px;height:56px;border-radius:50%;object-fit:cover;border:2px solid #C9A46A;flex:none}
.lp-card-hd b{display:block;font-family:'Cormorant Garamond',serif;font-size:26px;line-height:1.1;font-weight:600}
.lp-card-hd span{display:block;font-size:14px;color:#4A5568;margin-top:4px}
.lp-form{display:flex;flex-direction:column;gap:12px}
.lp-form .fld label{font-size:15px}
.lp-form .opt{font-weight:400;color:#6B7686}
.lp-submit{width:100%;min-height:54px;font-size:18px}
.lp-form .consent{font-size:13px}
.lp-note{margin:18px 0 0;font-size:13px;color:#6B7686}
.lp-three{grid-template-columns:repeat(3,1fr)}
@media (max-width:1100px){.lp-three{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}}
/* kroky */
.lp-steps{list-style:none;margin:28px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.lp-steps li{display:flex;gap:16px;align-items:flex-start;background:#F4F5F3;border-radius:12px;padding:22px}
.lp-n{flex:none;width:40px;height:40px;border-radius:50%;background:#0F1B2D;color:#C9A46A;display:flex;align-items:center;justify-content:center;font-family:'Cormorant Garamond',serif;font-size:22px;font-weight:600}
.lp-steps b{display:block;font-size:18px;margin-bottom:4px}
.lp-steps p{margin:0;font-size:15px;color:#4A5568}
/* recenzie */
.lp-revs{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin-top:24px}
.lp-rev{margin:0;background:#fff;border:1px solid #E1E4E8;border-radius:12px;padding:22px}
.lp-stars{color:#C9A46A;letter-spacing:2px;font-size:18px}
.lp-rev blockquote{margin:10px 0 12px;font-size:16px;color:#2D3748}
.lp-rev figcaption{font-size:14px;color:#6B7686}
.lp-rev figcaption b{color:#0F1B2D}
/* koniec stránky */
.lp-end-in{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(28px,4vw,56px);align-items:center}
.lp-end-txt{margin:0 0 22px;color:#C9CFD8;font-size:18px}
.lp-mail{margin:16px 0 0;font-size:15px;color:#A9B2BF}
.lp-mail a{color:#F4F5F3}
/* viac */
.lp-more{background:#F4F5F3}
.lp-accs{display:flex;flex-direction:column;gap:12px;margin-top:24px}
.lp-acc{background:#fff;border:1px solid #E1E4E8;border-radius:12px;overflow:hidden}
.lp-acc summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 24px}
.lp-acc summary::-webkit-details-marker{display:none}
.lp-acc summary b{display:block;font-size:19px}
.lp-acc summary small{display:block;font-size:15px;color:#6B7686;margin-top:2px}
.lp-acc summary i{flex:none;width:32px;height:32px;border-radius:50%;border:1px solid #C9A46A;position:relative}
.lp-acc summary i:before,.lp-acc summary i:after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;background:#6B5530;transform:translate(-50%,-50%)}
.lp-acc summary i:after{transform:translate(-50%,-50%) rotate(90deg);transition:transform .2s}
.lp-acc[open] summary i:after{transform:translate(-50%,-50%) rotate(0)}
.lp-acc-body{border-top:1px solid #E1E4E8}
.lp-acc-body section[data-in-acc]{padding-top:clamp(32px,5vw,56px)!important;padding-bottom:clamp(32px,5vw,56px)!important;border-top:0!important}
/* lišta na mobile */
.lp-sticky{display:none}
@media (max-width:820px){
  .lp-hero,.lp-end-in{grid-template-columns:1fr}
  .lp-hero{padding-top:16px;gap:24px}
  .lp-lead{font-size:18px;margin-bottom:16px}
  .lp-ticks{font-size:16px;margin-bottom:18px}
  .lp-btns-hero{display:none}
  .lp-trust{margin-top:0;font-size:14px}
  .lp-steps{grid-template-columns:1fr;gap:10px}
  .lp-steps li{padding:16px}
  .lp-card-hd b{font-size:23px}
  body.lp{padding-bottom:64px}
  .lp-sticky{display:grid;grid-template-columns:1fr 1fr 1.2fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#0F1B2D;border-top:1px solid #2A3A52;box-shadow:0 -6px 20px rgba(0,0,0,.25)}
  .lp-sticky a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:58px;color:#F4F5F3;text-decoration:none;font-weight:600;font-size:16px}
  .lp-sticky a.wa{color:#25D366}
  .lp-sticky a.frm{background:#C9A46A;color:#0F1B2D}
  body.lp .totop{bottom:76px}
  body.lp #cookie-bar{bottom:70px}
}
/* recenzie (v10.1) */
.lp-rev-sec{background:#F4F5F3}
.lp-rev-src{margin:-4px 0 0;font-size:15px;color:#6B7686}
.lp-rev{position:relative;display:flex;flex-direction:column;padding:26px 24px 22px;border-top:3px solid #C9A46A}
.lp-q{font-family:'Cormorant Garamond',serif;font-size:64px;line-height:.6;color:#C9A46A;height:26px}
.lp-rev blockquote{margin:6px 0 10px;font-size:16px;line-height:1.6;color:#2D3748}
.lp-clamp{display:-webkit-box;-webkit-line-clamp:6;-webkit-box-orient:vertical;overflow:hidden}
.lp-rev-more{align-self:flex-start;background:none;border:0;padding:0;margin:0 0 12px;font:inherit;font-size:15px;font-weight:600;color:#6B5530;cursor:pointer}
.lp-rev figcaption{margin-top:auto;padding-top:12px;border-top:1px solid #E1E4E8;font-size:14px;color:#6B7686}
.lp-revs{grid-template-columns:repeat(3,1fr);align-items:start}
@media (max-width:1100px){.lp-revs{grid-template-columns:repeat(2,1fr)}}
.lp-sticky{transition:transform .2s}
.lp-sticky.lp-sticky-hide{transform:translateY(110%)}
/* v10.2 – bez zbytočného lámania, zlaté zvýraznenie */
.lp-gold{color:#A07B3E;font-weight:600}
.dark .lp-gold{color:#C9A46A}
@media (min-width:900px){
  body.lp .h2,.lp-more .h2,#recenzie .h2{max-width:none}
  .omne-short-txt{max-width:none}
}
/* v10.4 – pod jednou strechou */
.lp-strecha{background:#F4F5F3}
.lp-strecha-txt{margin:0 0 26px;color:#4A5568;font-size:18px;max-width:900px}
.lp-areas{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.lp-area{display:flex;align-items:center;gap:14px;padding:18px 20px;border:1px solid #E1E4E8;border-radius:12px;background:#fff;color:#0F1B2D;text-decoration:none;transition:border-color .15s,box-shadow .15s}
.lp-area:hover{border-color:#C9A46A;color:#0F1B2D;box-shadow:0 8px 24px rgba(15,27,45,.08)}
.lp-area-ic{flex:none;width:44px;height:44px;border-radius:10px;background:#0F1B2D;display:flex;align-items:center;justify-content:center}
.lp-area b{display:block;font-size:17px}
.lp-area small{display:block;font-size:14px;color:#6B7686;margin-top:2px}
.lp-area i{margin-left:auto;font-style:normal;color:#C9A46A;font-size:20px}
.lp-strecha-home{margin:22px 0 0;font-size:16px}
.lp-strecha-home a{color:#6B5530;font-weight:600}
@media (max-width:820px){.lp-areas{grid-template-columns:1fr;gap:10px}.lp-area{padding:14px 16px}}
/* v10.8 – zjednodušený blok „jeden odborník“ */
.lp-strecha-in{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.lp-strecha-in>div{flex:1 1 560px;min-width:0}
.lp-strecha .lp-strecha-txt{margin-bottom:12px}
.lp-strecha-more{margin:0;font-size:15px;color:#6B7686}
.lp-strecha-more a{color:#6B5530;text-decoration:none;border-bottom:1px solid #D9C49A}
.lp-strecha-more a:hover{color:#0F1B2D}
.lp-strecha-btn{flex:none;min-height:56px;padding:0 32px;font-size:18px}
@media (max-width:820px){.lp-strecha-btn{width:100%}}
.lp-strecha-in{display:block}
.lp-strecha-btn{margin-top:22px}