@font-face{font-family:'Source Serif 4';font-style:normal;font-weight:500;font-display:swap;src:url(/fonts/source-serif-4-latin-500-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Source Serif 4';font-style:normal;font-weight:500;font-display:swap;src:url(/fonts/source-serif-4-latin-ext-500-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Source Serif 4';font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/source-serif-4-latin-600-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Source Serif 4';font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/source-serif-4-latin-ext-600-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'IBM Plex Sans';font-style:normal;font-weight:400;font-display:swap;src:url(/fonts/ibm-plex-sans-latin-400-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'IBM Plex Sans';font-style:normal;font-weight:400;font-display:swap;src:url(/fonts/ibm-plex-sans-latin-ext-400-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'IBM Plex Sans';font-style:normal;font-weight:500;font-display:swap;src:url(/fonts/ibm-plex-sans-latin-500-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'IBM Plex Sans';font-style:normal;font-weight:500;font-display:swap;src:url(/fonts/ibm-plex-sans-latin-ext-500-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'IBM Plex Sans';font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/ibm-plex-sans-latin-600-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'IBM Plex Sans';font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/ibm-plex-sans-latin-ext-600-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}

/* ================= Tokeny ================= */
:root{
  --paper:#f4f5f2;
  --surface:#ffffff;
  --ink:#15242b;
  --muted:#4d5f66;
  --line:#d8dfdd;
  --petrol:#12343b;
  --petrol-2:#1e4d55;
  --petrol-3:#2c6670;
  --petrol-soft:#dfe9e8;
  --petrol-mist:#eef3f2;
  --ochre:#b5791f;
  --ochre-2:#d79a3c;
  --ochre-soft:#f5e7cd;
  --serif:'Source Serif 4',Georgia,'Times New Roman',serif;
  --sans:'IBM Plex Sans',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
  --shadow-sm:0 1px 2px rgba(18,52,59,.06),0 4px 12px -4px rgba(18,52,59,.10);
  --shadow:0 1px 2px rgba(18,52,59,.05),0 24px 48px -20px rgba(18,52,59,.28);
  --ease:cubic-bezier(.2,.7,.2,1);
}

/* ================= Základ ================= */
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
[id]{scroll-margin-top:88px}
body{margin:0;background:var(--paper);color:var(--ink);font:400 18px/1.6 var(--sans);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit}
button,input{font:inherit;color:inherit}
button{cursor:pointer}
h1,h2,h3{margin:0;font-weight:500;color:inherit}
h1,h2{font-family:var(--serif);letter-spacing:-.018em;text-wrap:balance}
h3{font-size:20px;font-weight:600;line-height:1.35}
p{margin:0}
:focus-visible{outline:3px solid var(--ochre);outline-offset:3px;border-radius:4px}
.container{max-width:1200px;margin:0 auto;padding:0 32px}
.skip-link{position:absolute;left:16px;top:-100px;background:var(--surface);padding:10px 14px;z-index:100;border-radius:6px}
.skip-link:focus{top:12px}

/* Sdílené třídy pro ilustrace */
.f-soft{fill:var(--petrol-soft)}
.f-white{fill:#fff}
.f-ink{fill:var(--petrol)}
.f-accent{fill:var(--ochre)}
.f-accent-soft{fill:var(--ochre-soft)}
.s-ink{stroke:var(--petrol);stroke-width:2.2;fill-opacity:1}
.s-ink:not([class*="f-"]){fill:none}
.s-accent{stroke:var(--ochre);stroke-width:2.4}
.s-accent:not([class*="f-"]){fill:none}
.s-thick{stroke-width:3.4}
.s-round{stroke-linecap:round;stroke-linejoin:round}
.s-join{stroke-linejoin:round}
.s-dash{stroke-dasharray:5 6;stroke-linecap:round}

/* ================= Tlačítka a odkazy ================= */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 26px;border:0;border-radius:10px;font-weight:600;font-size:17px;line-height:1.2;white-space:nowrap;text-decoration:none;transition:background-color .2s,box-shadow .2s,transform .2s var(--ease)}
.btn-lg{min-height:58px;padding:0 30px;font-size:18px}
.btn-primary{background:var(--petrol);color:#fff;box-shadow:0 8px 20px -10px rgba(18,52,59,.7)}
.btn-primary:hover{background:var(--petrol-2);transform:translateY(-1px);box-shadow:0 12px 26px -12px rgba(18,52,59,.8)}
.btn-primary:disabled{background:#a7b6b8;box-shadow:none;transform:none;cursor:not-allowed}
.btn-small{min-height:44px;padding:0 18px;font-size:16px}
.btn-light{background:#fff;color:var(--petrol)}
.btn-light:hover{background:var(--ochre-soft);transform:translateY(-1px)}
.text-link{font-weight:600;font-size:17px;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:6px;text-decoration-color:#8fa3a6;transition:text-decoration-color .2s}
.text-link:hover{text-decoration-color:currentColor}
.section-tag{font-size:16px;font-weight:600;color:var(--ochre);margin-bottom:12px}
.section-tag-light{color:var(--ochre-2)}

/* ================= Hlavička ================= */
.site-header{position:sticky;top:0;z-index:30;background:rgba(244,245,242,.86);backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);border-bottom:1px solid transparent;transition:border-color .3s,box-shadow .3s}
.site-header.scrolled{border-bottom-color:var(--line);box-shadow:0 6px 20px -16px rgba(18,52,59,.5)}
.header-inner{height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{width:40px;height:40px;flex:none}
.brand-mark rect{fill:var(--petrol)}
.brand-mark .bm-bars{fill:#fff}
.brand-mark .bm-line{stroke:var(--ochre);stroke-width:2.2;stroke-linecap:round}
.brand-words{display:flex;flex-direction:column;line-height:1.2;white-space:nowrap}
.brand-words strong{font-family:var(--serif);font-weight:600;font-size:19px;letter-spacing:-.01em}
.brand-words span{font-size:14px;color:var(--muted)}
.nav-links{display:flex;gap:34px;font-size:16px;font-weight:500}
.nav-links a{text-decoration:none;color:var(--muted);position:relative;padding:6px 0}
.nav-links a::after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--ochre);transform:scaleX(0);transform-origin:left;transition:transform .25s var(--ease)}
.nav-links a:hover{color:var(--ink)}
.nav-links a:hover::after{transform:scaleX(1)}

/* ================= Hero ================= */
.hero{position:relative;padding:72px 0 104px;overflow:hidden}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;z-index:0}
.hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:72px;align-items:center}
.hero-badge{display:inline-flex;align-items:center;gap:10px;padding:7px 14px 7px 12px;border:1px solid var(--line);background:rgba(255,255,255,.7);border-radius:99px;font-size:15px;font-weight:500;color:var(--petrol-2)}
.pulse{position:relative;width:9px;height:9px;border-radius:50%;background:var(--ochre)}
.pulse::after{content:"";position:absolute;inset:0;border-radius:50%;background:var(--ochre);animation:pulse 2.4s ease-out infinite}
@keyframes pulse{0%{transform:scale(1);opacity:.6}80%,100%{transform:scale(3);opacity:0}}
.hero h1{margin-top:24px;font-size:clamp(44px,5vw,64px);line-height:1.05;max-width:15ch}
.hero-lead{margin-top:24px;font-size:20px;line-height:1.6;color:var(--muted);max-width:32em}
.hero-lead-strong{margin-top:14px;color:var(--ink);font-weight:500}
.hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:28px;margin-top:36px}
.assurances{list-style:none;padding:0;margin:34px 0 0;display:flex;flex-wrap:wrap;gap:10px 26px;font-size:16px;color:var(--muted)}
.assurances li{display:flex;align-items:center;gap:8px}
.assurances svg{width:20px;height:20px;flex:none;fill:none;stroke:var(--petrol-3);stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}

/* Ústřední prvek: přehled dob pojištění */
.hero-visual{position:relative;padding:20px 10px 40px 30px}
.sheet-back{position:absolute;inset:44px 0 64px 60px;background:var(--surface);border:1px solid var(--line);border-radius:16px;transform:rotate(3.5deg);box-shadow:var(--shadow-sm)}
.ledger{position:relative;margin:0;background:var(--surface);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:26px 26px 18px;overflow:hidden}
.ledger::before{content:"";position:absolute;inset:0 0 auto;height:5px;background:linear-gradient(90deg,var(--petrol) 0 70%,var(--ochre) 70%)}
.ledger-head{display:flex;gap:14px;align-items:center}
.ledger-icon{width:40px;height:40px;flex:none;padding:6px;border-radius:10px;background:var(--petrol-mist);fill:none;stroke:var(--petrol);stroke-width:2;stroke-linecap:round}
.ledger-title{font-family:var(--serif);font-size:23px;font-weight:600;line-height:1.2}
.ledger-sub{font-size:14px;color:var(--muted);margin-top:2px}
.ledger-bar{position:relative;height:14px;margin-top:22px;border-radius:7px;background:#eef1f0;overflow:hidden}
.ledger-bar i{position:absolute;top:0;bottom:0;left:var(--l);width:var(--w);background:var(--petrol);transform-origin:left;animation:grow .7s var(--ease) both;animation-delay:calc(.25s + var(--d,0s))}
.ledger-bar i:nth-child(2){--d:.12s}.ledger-bar i:nth-child(3){--d:.24s}.ledger-bar i:nth-child(4){--d:.36s}.ledger-bar i:nth-child(5){--d:.48s}.ledger-bar i:nth-child(6){--d:.6s}
.ledger-bar i.ok-soft{background:var(--petrol-3)}
.ledger-bar i.gap{background:repeating-linear-gradient(-45deg,var(--ochre) 0 3px,var(--ochre-soft) 3px 7px)}
@keyframes grow{from{transform:scaleX(0)}to{transform:scaleX(1)}}
.ledger-scale{position:relative;height:20px;margin-top:6px;font-size:13px;color:var(--muted);font-variant-numeric:tabular-nums}
.ledger-scale span{position:absolute;top:0}
.ledger-scale span:nth-child(1){left:0}
.ledger-scale span:nth-child(2){left:33.33%;transform:translateX(-50%)}
.ledger-scale span:nth-child(3){left:66.67%;transform:translateX(-50%)}
.ledger-scale span:nth-child(4){right:0}
.ledger-rows{list-style:none;margin:14px 0 0;padding:0}
.ledger-rows li{position:relative;display:grid;grid-template-columns:96px 1fr auto;align-items:center;gap:12px;padding:11px 10px;border-top:1px solid #edf0ef;font-size:15px;animation:rowin .5s var(--ease) both;animation-delay:calc(.9s + var(--i) * .11s)}
@keyframes rowin{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.ledger-rows .yr{font-variant-numeric:tabular-nums;color:var(--muted);font-size:14px}
.ledger-rows .what{font-weight:500}
.st{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:600;padding:3px 10px 3px 8px;border-radius:99px;white-space:nowrap}
.st::before{content:"";width:7px;height:7px;border-radius:50%;background:currentColor}
.st-ok{color:var(--petrol-3);background:var(--petrol-mist)}
.st-check{color:#8a5a12;background:var(--ochre-soft)}
.row-gap::before{content:"";position:absolute;inset:3px 0;border-radius:8px;background:linear-gradient(90deg,var(--ochre-soft),rgba(245,231,205,.25));z-index:-1;transform-origin:left;animation:grow .6s var(--ease) both;animation-delay:2s}
.ledger-rows .row-gap{isolation:isolate}
.row-gap .what{color:#6b4810}
.lens{position:absolute;width:118px;height:118px;left:0;top:0;--x0:420px;--y0:120px;--x1:240px;--y1:250px;--x2:240px;--y2:350px;pointer-events:none;filter:drop-shadow(0 10px 14px rgba(18,52,59,.25));animation:lens 5.5s var(--ease) 2.2s both}
.lens-glass{fill:rgba(223,233,232,.35)}
.lens-ring{fill:none;stroke:var(--petrol);stroke-width:6}
.lens-handle{stroke:var(--petrol);stroke-width:11;stroke-linecap:round}
.lens-shine{fill:none;stroke:#fff;stroke-width:4;stroke-linecap:round;opacity:.9}
@keyframes lens{
  0%{opacity:0;transform:translate(var(--x0),var(--y0)) scale(.8)}
  12%{opacity:1;transform:translate(var(--x1),var(--y1)) scale(1)}
  48%{transform:translate(var(--x1),var(--y1))}
  64%{transform:translate(var(--x2),var(--y2))}
  100%{opacity:1;transform:translate(var(--x2),var(--y2))}
}
.stamp{position:absolute;right:-8px;top:-4px;display:flex;align-items:center;gap:10px;padding:12px 16px 12px 12px;background:var(--ochre);color:#fff;border-radius:14px;box-shadow:0 14px 30px -12px rgba(181,121,31,.8);transform:rotate(4deg);animation:stamp .5s cubic-bezier(.3,1.6,.5,1) 2.6s both}
.stamp strong{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.2);font-family:var(--serif);font-size:24px;font-weight:600}
.stamp span{font-size:14px;line-height:1.25;font-weight:600}
@keyframes stamp{from{opacity:0;transform:rotate(4deg) scale(1.6)}to{opacity:1;transform:rotate(4deg) scale(1)}}
.advisor-chip{position:absolute;left:0;bottom:0;display:flex;align-items:center;gap:12px;padding:10px 18px 10px 10px;background:var(--surface);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);animation:rowin .6s var(--ease) 1.7s both}
.advisor-chip img{width:56px;height:56px;border-radius:10px;object-fit:cover;object-position:center 22%;background:var(--petrol-soft)}
.advisor-chip span{display:flex;flex-direction:column;line-height:1.3}
.advisor-chip strong{font-size:16px;font-weight:600}
.advisor-chip small{font-size:14px;color:var(--muted)}

/* ================= Dopad + kalkulačka ================= */
.impact{position:relative;background:var(--petrol);color:#fff;padding:112px 0;overflow:hidden}
.impact::before{content:"";position:absolute;inset:0;background:radial-gradient(60% 80% at 85% 20%,rgba(44,102,112,.55),transparent 70%),radial-gradient(40% 60% at 0% 100%,rgba(181,121,31,.18),transparent 70%)}
.impact-layout{position:relative;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:80px;align-items:center}
.impact-copy h2{font-size:clamp(34px,3.8vw,50px);line-height:1.1}
.impact-copy p{margin-top:20px;font-size:18px;color:#c9d9d9;max-width:32em}
.impact-copy strong{color:#fff;font-weight:600}
.impact-link{display:inline-block;margin-top:30px;font-weight:600;font-size:17px;color:#fff;text-underline-offset:6px;text-decoration-color:var(--ochre-2)}
.impact-link:hover{color:var(--ochre-soft)}
.calc{background:var(--surface);color:var(--ink);border-radius:18px;padding:32px;box-shadow:0 40px 80px -30px rgba(0,0,0,.6)}
.calc-title{font-family:var(--serif);font-size:24px;font-weight:600}
.calc-sub{font-size:15px;color:var(--muted);margin-top:4px}
.calc-field{margin-top:26px;display:grid;grid-template-columns:1fr auto;align-items:baseline;gap:10px 16px}
.calc-field label,.calc-label{font-size:16px;font-weight:600}
.calc-field output{font-family:var(--serif);font-size:22px;font-weight:600;font-variant-numeric:tabular-nums;color:var(--petrol)}
.calc-field input[type=range]{grid-column:1/-1;width:100%;margin:6px 0 0;-webkit-appearance:none;appearance:none;height:8px;border-radius:8px;background:linear-gradient(90deg,var(--petrol) var(--p,25%),#e3e9e8 var(--p,25%));cursor:pointer}
.calc-field input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:#fff;border:3px solid var(--petrol);box-shadow:0 4px 10px rgba(18,52,59,.3);transition:transform .15s}
.calc-field input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.1)}
.calc-field input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--petrol);box-shadow:0 4px 10px rgba(18,52,59,.3)}
.calc-range-ends{grid-column:1/-1;display:flex;justify-content:space-between;font-size:13px;color:var(--muted)}
.years{grid-column:1/-1;display:grid;grid-template-columns:repeat(5,1fr);gap:8px}
.years label{position:relative;cursor:pointer}
.years input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}
.years span{display:grid;place-items:center;height:48px;border:1.5px solid var(--line);border-radius:10px;font-weight:600;font-size:18px;transition:all .15s}
.years label:hover span{border-color:#9aabae}
.years input:checked+span{background:var(--petrol);border-color:var(--petrol);color:#fff}
.years input:focus-visible+span{outline:3px solid var(--ochre);outline-offset:2px}
.calc-result{margin-top:28px;padding:22px 22px 18px;border-radius:14px;background:var(--ochre-soft)}
.calc-main{display:flex;align-items:baseline;gap:4px;font-family:var(--serif);color:#6b4810;line-height:1}
.calc-main .minus,.calc-main #calc-month{font-size:clamp(52px,6vw,72px);font-weight:600;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.calc-main .unit{margin-left:10px;font-family:var(--sans);font-size:18px;font-weight:600}
.calc-more{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px;padding-top:16px;border-top:1px solid rgba(138,90,18,.25)}
.calc-more div{display:flex;flex-direction:column}
.calc-more strong{font-size:20px;font-weight:600;color:#6b4810;font-variant-numeric:tabular-nums}
.calc-more div>span{font-size:14px;color:#7a5a24}
.calc-source{margin-top:18px;font-size:13px;line-height:1.55;color:var(--muted)}
.calc-source a{color:var(--petrol-2)}

/* ================= Sekce obecně ================= */
.section{padding-top:120px;padding-bottom:120px}
.section-heading{max-width:640px}
.section-heading-wide{max-width:780px}
.section-heading h2,.test-copy h2,.team-copy h2,.cta-copy h2{font-size:clamp(34px,3.8vw,50px);line-height:1.1}
.section-heading>p:not(.section-tag){margin-top:20px;color:var(--muted);font-size:18px}
.section-heading a{font-weight:600;white-space:nowrap}

/* Situace */
.situations{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:56px}
.situation{position:relative;padding:28px 26px 30px;background:var(--surface);border:1px solid var(--line);border-radius:16px;transition:transform .3s var(--ease),box-shadow .3s,border-color .3s}
.situation:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.illu{display:block;width:100%;height:auto;max-width:180px;margin:0 0 22px;aspect-ratio:160/112;background:var(--petrol-mist);border-radius:12px;padding:8px}
.situation p{margin-top:10px;font-size:17px;color:var(--muted)}

/* ================= Test ================= */
.test-section{position:relative;background:var(--petrol);color:#fff;padding:120px 0;overflow:hidden}
.test-deco{position:absolute;width:900px;height:900px;left:-380px;top:50%;transform:translateY(-50%);fill:none;stroke:rgba(255,255,255,.06);stroke-width:1.5}
.test-layout{position:relative;display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:80px;align-items:center}
.test-copy p:not(.section-tag){margin-top:22px;color:#c9d9d9;font-size:18px;max-width:30em}
.test-copy p strong{color:#fff;font-weight:600}
.test-benefits{list-style:none;padding:0;margin:34px 0 0;display:grid;gap:16px;font-size:17px;color:#e6efee}
.test-benefits li{display:flex;align-items:center;gap:14px}
.test-benefits svg{width:40px;height:40px;flex:none;padding:9px;border-radius:10px;background:rgba(255,255,255,.08);fill:none;stroke:var(--ochre-2);stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.wizard-shell{background:var(--surface);color:var(--ink);border-radius:18px;padding:36px;box-shadow:0 40px 80px -30px rgba(0,0,0,.6);min-height:540px;display:flex;flex-direction:column}
.wizard-top{display:flex;justify-content:space-between;font-size:15px;font-weight:500;color:var(--muted)}
.progress-track{height:6px;border-radius:6px;background:#e7ecec;margin:14px 0 30px;overflow:hidden}
.progress-fill{height:100%;width:25%;background:linear-gradient(90deg,var(--ochre),var(--ochre-2));border-radius:6px;transition:width .4s var(--ease)}
#lead-form{display:flex;flex-direction:column;flex:1}
.wizard-step{border:0;margin:0;padding:0;min-width:0;animation:stepin .35s var(--ease)}
@keyframes stepin{from{opacity:0;transform:translateX(14px)}to{opacity:1;transform:none}}
.wizard-step legend{padding:0;font-family:var(--serif);font-size:30px;line-height:1.2;font-weight:500;letter-spacing:-.01em}
.wizard-step legend:focus{outline:none}
.wizard-step>p{margin:10px 0 24px;font-size:16px;color:var(--muted)}
.options{display:grid;gap:10px}
.option-grid{grid-template-columns:1fr 1fr}
.option-full{grid-column:1/-1}
.option{position:relative;display:block;cursor:pointer}
.option input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}
.option span{display:flex;align-items:center;gap:12px;min-height:56px;padding:12px 16px;border:1.5px solid var(--line);border-radius:10px;background:#fff;font-size:17px;font-weight:500;transition:border-color .15s,background-color .15s,transform .15s}
.option span::before{content:"";flex:none;width:20px;height:20px;border:2px solid #9aabae;border-radius:50%;background:#fff;transition:all .15s}
.option-check span::before{border-radius:5px}
.option:hover span{border-color:#9aabae}
.option:active span{transform:scale(.99)}
.option input:checked+span{border-color:var(--petrol);background:var(--petrol-mist)}
.option input:checked+span::before{border-color:var(--petrol);background:var(--petrol);box-shadow:inset 0 0 0 3px #fff}
.option-check input:checked+span::before{box-shadow:none;background:var(--petrol) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m5 12.5 4.5 4.5L19 7.5' fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.option input:focus-visible+span{outline:3px solid var(--ochre);outline-offset:2px}
.field-stack{display:grid;gap:16px}
.field{display:flex;flex-wrap:wrap;align-items:baseline;gap:6px;font-size:16px;font-weight:500}
.optional{font-weight:400;color:var(--muted)}
.field input{width:100%;min-height:52px;padding:0 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;font-size:17px;transition:border-color .15s,box-shadow .15s}
.field input:hover{border-color:#9aabae}
.field input:focus{outline:none;border-color:var(--petrol);box-shadow:0 0 0 4px rgba(18,52,59,.12)}
.field input::placeholder{color:#8b9a9e}
.acknowledgement{display:flex;align-items:flex-start;gap:10px;font-size:15px;line-height:1.5;color:var(--muted)}
.acknowledgement input{width:20px;height:20px;margin:1px 0 0;flex:none;accent-color:var(--petrol)}
.acknowledgement a{color:var(--petrol-2);text-underline-offset:3px}
.tiny-notice{margin-top:14px;font-size:14px;color:var(--muted)}
.bot-trap{display:none}
.wizard-actions{display:flex;align-items:center;justify-content:flex-end;gap:16px;margin-top:auto;padding-top:28px}
.btn-back{margin-right:auto;border:0;background:none;padding:12px 4px;font-size:17px;font-weight:600;color:var(--muted);text-decoration:underline;text-underline-offset:5px}
.btn-back:hover{color:var(--ink)}
.form-error{margin-top:16px;padding:12px 14px;border-radius:8px;background:#fbeceb;color:#8a2a1d;font-size:15px}
.form-error a{font-weight:600}
.success-state{text-align:center;margin:auto 0;padding:12px 0}
.success-illu{width:112px;height:112px;margin:0 auto 18px}
.si-bg{fill:var(--petrol-mist)}
.si-ring{fill:none;stroke:var(--petrol);stroke-width:3;stroke-dasharray:327;stroke-dashoffset:327;animation:dash .8s var(--ease) .1s forwards;transform:rotate(-90deg);transform-origin:center}
.si-check{fill:none;stroke:var(--ochre);stroke-width:7;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:70;stroke-dashoffset:70;animation:dash .5s var(--ease) .7s forwards}
@keyframes dash{to{stroke-dashoffset:0}}
.success-state h3{font-family:var(--serif);font-size:30px;font-weight:500}
.success-state p{margin-top:12px;color:var(--muted);font-size:17px}
.success-state strong{color:var(--ink)}

/* ================= Postup ================= */
.process{position:relative;margin-top:72px}
.process-line{position:absolute;left:16.6%;right:16.6%;top:52px;width:66.8%;height:20px;overflow:visible}
.process-line path{fill:none;stroke:var(--petrol-3);stroke-width:2;stroke-dasharray:6 8;vector-effect:non-scaling-stroke}
.process ol{position:relative;list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:48px}
.process li{text-align:center;padding:0 12px}
.step-illu{position:relative;width:120px;height:120px;margin:0 auto 26px;background:var(--paper);border-radius:50%}
.step-illu svg{width:120px;height:120px}
.step-no{position:absolute;right:-2px;top:-2px;display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--ochre);color:#fff;font-family:var(--serif);font-weight:600;font-size:18px;box-shadow:0 0 0 5px var(--paper)}
.process p{margin:12px auto 0;font-size:17px;color:var(--muted);max-width:22em}
.official-note{display:flex;align-items:flex-start;gap:18px;margin-top:72px;padding:24px 26px;background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--ochre);border-radius:12px}
.official-note svg{width:28px;height:28px;flex:none;fill:none;stroke:var(--ochre);stroke-width:1.9;stroke-linecap:round;margin-top:1px}
.official-note p{flex:1;font-size:16px;color:var(--muted)}
.official-note strong{color:var(--ink);font-weight:600}

/* ================= Tým ================= */
.team{background:var(--surface);border-block:1px solid var(--line);padding:120px 0;overflow:hidden}
.team-layout{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:88px;align-items:center}
.team-photo{position:relative;padding:0 0 36px 0}
.team-photo::before{content:"";position:absolute;inset:36px -28px 0 36px;border-radius:24px;background:var(--petrol-soft)}
.team-photo::after{content:"";position:absolute;width:120px;height:120px;right:-28px;top:0;border-radius:50%;background:var(--ochre-soft);z-index:0}
.team-photo figure{position:relative;z-index:1;margin:0;aspect-ratio:4/5;border-radius:20px;overflow:hidden;background:var(--petrol-soft);box-shadow:var(--shadow)}
.team-photo img{width:100%;height:100%;object-fit:cover;object-position:center 18%}
.team-photo-card{position:absolute;z-index:2;left:24px;bottom:12px;display:flex;flex-direction:column;padding:14px 20px;background:var(--petrol);color:#fff;border-radius:12px;box-shadow:var(--shadow)}
.team-photo-card strong{font-family:var(--serif);font-size:20px;font-weight:600}
.team-photo-card span{font-size:14px;color:#c9d9d9}
.team-lead{margin-top:20px;font-size:18px;color:var(--muted)}
.team-lead strong{color:var(--ink);font-weight:600}
.team-flow{list-style:none;margin:36px 0 0;padding:0;position:relative}
.team-flow::before{content:"";position:absolute;left:27px;top:28px;bottom:28px;width:2px;background:repeating-linear-gradient(var(--line) 0 6px,transparent 6px 12px)}
.team-flow li{position:relative;display:flex;align-items:center;gap:20px;padding:12px 0}
.avatar{flex:none;width:56px;height:56px;border-radius:50%;background:var(--petrol-mist);border:2px solid var(--surface);box-shadow:0 0 0 1px var(--line);display:grid;place-items:center;overflow:hidden}
.avatar svg{width:40px;height:40px;fill:var(--petrol-3)}
.avatar svg .hs{fill:none;stroke:var(--ochre);stroke-width:2.5}
.avatar svg .hs-f{fill:var(--ochre)}
.avatar svg .doc{fill:var(--ochre)}
.avatar-photo img{width:100%;height:100%;object-fit:cover;object-position:center 22%}
.avatar-photo{background:var(--petrol-soft);box-shadow:0 0 0 2px var(--ochre)}
.team-flow strong{display:block;font-size:18px;font-weight:600}
.team-flow div span{display:block;font-size:16px;color:var(--muted)}
.team-meta{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px;margin-top:36px;padding-top:28px;border-top:1px solid var(--line)}
.backing{display:flex;align-items:center;flex-wrap:wrap;gap:12px 22px}
.backing span{font-size:14px;color:var(--muted)}
.wordmark{font-size:17px;font-weight:600;letter-spacing:.01em;color:var(--petrol-2);padding:6px 12px;border:1px solid var(--line);border-radius:8px}
.team-actions{display:flex;flex-wrap:wrap;align-items:center;gap:24px}

/* ================= FAQ ================= */
.faq-layout{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:72px;align-items:start}
.faq-layout .section-heading{position:sticky;top:120px}
.faq-list{border-top:1px solid var(--line)}
.faq-list details{border-bottom:1px solid var(--line)}
.faq-list summary{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:24px 0;cursor:pointer;list-style:none;font-size:19px;font-weight:600;transition:color .2s}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:"";flex:none;width:32px;height:32px;border-radius:50%;background:var(--petrol-mist) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M12 7v10M7 12h10' stroke='%2312343b' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") center/18px no-repeat;transition:transform .3s var(--ease),background-color .2s}
.faq-list details[open] summary::after{transform:rotate(45deg);background-color:var(--ochre-soft)}
.faq-list summary:hover{color:var(--petrol-3)}
.faq-body{display:grid;grid-template-rows:0fr;transition:grid-template-rows .35s var(--ease)}
.faq-body>p{overflow:hidden;font-size:17px;color:var(--muted);padding-right:52px}
.faq-list details[open] .faq-body{grid-template-rows:1fr}
.faq-list details[open] .faq-body>p{padding-bottom:26px}

/* ================= Závěrečná výzva ================= */
.bottom-cta{padding:0 0 120px}
.cta-card{position:relative;display:grid;grid-template-columns:220px 1fr auto;align-items:center;gap:48px;padding:48px 56px;background:var(--petrol);color:#fff;border-radius:24px;overflow:hidden}
.cta-card::before{content:"";position:absolute;inset:0;background:radial-gradient(50% 120% at 100% 0%,rgba(44,102,112,.7),transparent 70%)}
.cta-card>*{position:relative}
.cta-illu{width:220px;height:auto}
.cta-illu .s-ink{stroke:var(--petrol)}
.cta-copy p{margin-top:10px;font-size:18px;color:#c9d9d9}

/* ================= Patička ================= */
.footer{background:#0e2a30;color:#fff;padding:72px 0 28px}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px}
.footer-top>div{display:flex;flex-direction:column;align-items:flex-start;gap:10px}
.footer-top>div>strong{font-size:16px;font-weight:600;margin-bottom:4px;color:#fff}
.footer-top p{max-width:400px;font-size:16px;color:#b3c7c7;margin-top:12px}
.footer-top a{font-size:16px;color:#d4e2e1;text-decoration:none}
.footer-top a:hover{text-decoration:underline;color:#fff}
.brand-light .brand-words strong{color:#fff}
.brand-light .brand-mark rect{fill:#fff}
.brand-light .brand-mark .bm-bars{fill:var(--petrol)}
.footer-bottom{margin-top:56px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12);font-size:14px;color:#9fb6b6}

/* ================= Právní stránka ================= */
.legal{padding:72px 32px 112px;max-width:820px;margin:auto}
.legal h1{font-family:var(--serif);font-size:clamp(36px,5vw,48px);line-height:1.1}
.legal .legal-updated{margin-top:12px;color:var(--muted);font-size:16px}
.legal h2{font-family:var(--sans);font-size:21px;font-weight:600;margin-top:44px;letter-spacing:0}
.legal p,.legal li{font-size:17px;line-height:1.7;color:var(--muted)}
.legal p{margin-top:14px}
.legal a{color:var(--petrol-2)}

/* ================= Odhalení při scrollu ================= */
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.js .reveal.in{opacity:1;transform:none}
.js .situations .reveal:nth-child(2),.js .process li:nth-child(2){transition-delay:.1s}
.js .situations .reveal:nth-child(3),.js .process li:nth-child(3){transition-delay:.2s}
.js .situations .reveal:nth-child(4){transition-delay:.3s}
.js .process-line path{stroke-dashoffset:0}
.js .process-line{clip-path:inset(0 100% 0 0);transition:clip-path 1.4s var(--ease) .2s}
.js .process.in .process-line{clip-path:inset(0 0 0 0)}

/* ================= Tablet ================= */
@media (max-width:1040px){
  .nav-links{display:none}
  .hero{padding:48px 0 72px}
  .hero-inner{grid-template-columns:1fr;gap:56px}
  .hero-visual{max-width:600px}
  .impact-layout,.test-layout{grid-template-columns:1fr;gap:48px}
  .situations{grid-template-columns:1fr 1fr}
  .team-layout{grid-template-columns:1fr;gap:56px}
  .team-photo{max-width:420px}
  .faq-layout{grid-template-columns:1fr;gap:32px}
  .faq-layout .section-heading{position:static}
  .cta-card{grid-template-columns:160px 1fr;gap:32px}
  .cta-illu{width:160px}
  .cta-card .btn{grid-column:1/-1;justify-self:start}
}

/* ================= Mobil ================= */
@media (max-width:680px){
  body{font-size:17px}
  .container{padding:0 20px}
  .header-inner{height:66px}
  .brand{gap:10px}
  .brand-mark{width:36px;height:36px}
  .brand-words strong{font-size:16px}
  .brand-words span{font-size:13px}
  .btn-small{min-height:42px;padding:0 14px;font-size:15px}
  .hero{padding:32px 0 56px}
  .hero-badge{font-size:14px}
  .hero h1{font-size:42px}
  .hero-lead{font-size:18px;margin-top:18px}
  .hero-actions{flex-direction:column;align-items:stretch;gap:18px;margin-top:28px}
  .hero-actions .text-link{align-self:flex-start}
  .assurances{flex-direction:column;gap:8px;margin-top:26px}
  .hero-visual{padding:28px 0 72px}
  .sheet-back{inset:46px 6px 90px 16px}
  .ledger{padding:22px 16px 12px}
  .ledger-title{font-size:20px}
  .ledger-rows li{grid-template-columns:1fr auto;gap:2px 10px;padding:10px 6px}
  .ledger-rows .yr{grid-column:1;font-size:13px}
  .ledger-rows .what{grid-column:1;grid-row:2;font-size:15px}
  .ledger-rows .st{grid-column:2;grid-row:1/3}
  .lens{width:88px;height:88px}
  .stamp{right:-4px;top:0;padding:8px 12px 8px 8px}
  .stamp strong{width:32px;height:32px;font-size:20px}
  .stamp span{font-size:12px}
  .advisor-chip{left:8px;bottom:8px}
  .advisor-chip img{width:46px;height:46px}
  .impact{padding:72px 0}
  .impact-copy p{font-size:17px}
  .calc{padding:22px 18px}
  .calc-more{grid-template-columns:1fr}
  .section{padding-top:80px;padding-bottom:80px}
  .section-heading>p:not(.section-tag){font-size:17px}
  .situations{grid-template-columns:1fr;gap:14px;margin-top:36px}
  .situation{display:grid;grid-template-columns:96px 1fr;gap:4px 18px;padding:18px}
  .situation .illu{grid-row:1/3;margin:0;max-width:96px;padding:4px}
  .situation p{margin-top:0;font-size:16px}
  .test-section{padding:72px 0}
  .wizard-shell{padding:24px 18px;min-height:0}
  .wizard-step legend{font-size:25px}
  .option-grid{grid-template-columns:1fr}
  .wizard-actions .btn{flex:1;white-space:normal;padding:10px 16px}
  .process{margin-top:48px}
  .process-line{display:none}
  .process ol{grid-template-columns:1fr;gap:40px}
  .process li{display:grid;grid-template-columns:84px 1fr;gap:4px 18px;text-align:left;padding:0}
  .step-illu{grid-row:1/3;width:84px;height:84px;margin:0}
  .step-illu svg{width:84px;height:84px}
  .step-no{width:28px;height:28px;font-size:15px}
  .process p{margin:0;font-size:16px}
  .official-note{margin-top:48px;padding:18px}
  .team{padding:80px 0}
  .team-photo{max-width:300px;padding-bottom:28px}
  .team-photo::before{inset:28px -16px 0 24px}
  .team-photo::after{width:80px;height:80px;right:-16px}
  .team-flow strong{font-size:17px}
  .team-meta{flex-direction:column;align-items:flex-start}
  .faq-list summary{font-size:17px;padding:20px 0}
  .faq-body>p{padding-right:0}
  .bottom-cta{padding-bottom:72px}
  .cta-card{grid-template-columns:1fr;padding:32px 24px;gap:24px;border-radius:18px}
  .cta-illu{width:130px}
  .cta-card .btn{justify-self:stretch}
  .footer-top{grid-template-columns:1fr;gap:32px}
}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
  .js .reveal{opacity:1;transform:none}
  .js .process-line{clip-path:none}
  .si-ring,.si-check{stroke-dashoffset:0}
  .lens{transform:translate(var(--x2),var(--y2))}
}