/* Extracted from preco-poistit.php: <style> #1 */
/* ═══════════════════════════════════
   TOKENY (z hlavného dizajnu)
═══════════════════════════════════ */
:root {
  --gold:       #F0A500;
  --gold-d:     #C88600;
  --gold-l:     #FFF8E7;
  --gold-xl:    #FFFBF0;
  --gold-glow:  rgba(240,165,0,.22);
  --gold-p:     rgba(240,165,0,.1);

  --dark:       #0C0C0C;
  --dark2:      #141414;
  --dark3:      #1C1C1C;
  --dark4:      #242424;

  --cream:      #FAF7F2;
  --cream2:     #F4F0E8;
  --cream3:     #EDE8DC;
  --white:      #FFFFFF;

  --ink:        #18130A;
  --ink-70:     rgba(24,19,10,.70);
  --ink-40:     rgba(24,19,10,.40);
  --ink-15:     rgba(24,19,10,.12);

  --green:      #16A34A;

  --r:    10px;
  --r-lg: 18px;
  --r-xl: 26px;

  --sh:     0 2px 16px rgba(0,0,0,.10), 0 8px 32px rgba(0,0,0,.08);
  --sh-lg:  0 12px 60px rgba(0,0,0,.28);
  --sh-g:   0 6px 36px rgba(240,165,0,.30);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: 'DM Sans', sans-serif;
  background: var(--white); color: var(--ink);
  font-size: 16px; line-height: 1.65; overflow-x: hidden;
}
h1,h2,h3,h4 { font-family: 'Barlow Condensed', sans-serif; line-height: 1.02; }
img { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }

/* ── LAYOUT ── */
.w   { max-width: 1180px; margin: 0 auto; padding: 0 48px; }
.sec { padding: 104px 0; }

/* ── SEKCIA TYPY ── */
.s-light {
  background: var(--cream);
  background-image:
    radial-gradient(ellipse 80% 60% at 10% 90%, rgba(240,165,0,.06) 0%, transparent 60%),
    radial-gradient(ellipse 60% 80% at 90% 10%, rgba(240,165,0,.04) 0%, transparent 55%);
}
.s-light h2    { color: var(--ink); }
.s-light h2 em { color: var(--gold); font-style: normal; }
.s-light .lbl  { color: var(--gold-d); }
.s-light .lbl::before { background: var(--gold); }
.s-light .body { color: var(--ink-70); }

.s-white {
  background: var(--white);
  background-image:
    radial-gradient(ellipse 100% 80% at 50% 0%, rgba(240,165,0,.05) 0%, transparent 60%);
}
.s-white h2    { color: var(--ink); }
.s-white h2 em { color: var(--gold); font-style: normal; }
.s-white .lbl  { color: var(--gold-d); }
.s-white .lbl::before { background: var(--gold); }
.s-white .body { color: var(--ink-70); }

.s-dark {
  background: var(--dark);
  background-image:
    radial-gradient(ellipse 60% 80% at 5% 50%, rgba(240,165,0,.08) 0%, transparent 55%),
    radial-gradient(ellipse 40% 60% at 95% 20%, rgba(240,165,0,.06) 0%, transparent 50%);
}
.s-dark h2    { color: var(--white); }
.s-dark h2 em { color: var(--gold); font-style: normal; }
.s-dark .lbl  { color: rgba(255,255,255,.55); }
.s-dark .lbl::before { background: rgba(255,255,255,.35); }
.s-dark .body { color: rgba(255,255,255,.55); }

.s-dark2 {
  background: var(--dark2);
  background-image:
    radial-gradient(ellipse 70% 60% at 80% 80%, rgba(240,165,0,.07) 0%, transparent 55%);
}
.s-dark2 h2    { color: var(--white); }
.s-dark2 h2 em { color: var(--gold); font-style: normal; }
.s-dark2 .lbl  { color: rgba(255,255,255,.55); }
.s-dark2 .lbl::before { background: rgba(255,255,255,.35); }
.s-dark2 .body { color: rgba(255,255,255,.55); }

.gold-rule { height: 1px; background: linear-gradient(90deg, transparent, var(--gold) 30%, var(--gold) 70%, transparent); opacity: .25; }
.gold-rule-thick { height: 3px; background: linear-gradient(90deg, transparent, var(--gold) 25%, var(--gold) 75%, transparent); opacity: .4; }

/* ── LABEL ── */
.lbl {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: 'Barlow Condensed', sans-serif; font-size: 12px; font-weight: 600;
  letter-spacing: .20em; text-transform: uppercase; margin-bottom: 16px;
}
.lbl::before { content: ''; width: 24px; height: 2px; border-radius: 2px; flex-shrink: 0; }
.lbl-c { justify-content: center; }

h2 {
  font-size: clamp(30px, 4.2vw, 56px); font-weight: 800;
  letter-spacing: .02em; text-transform: uppercase; margin-bottom: 16px;
  line-height: 1.0;
}
.desc { font-size: 17px; max-width: 560px; line-height: 1.72; font-weight: 300; margin-bottom: 44px; }
.center { text-align: center; }
.center .desc { margin-left: auto; margin-right: auto; }

/* ── SCROLL REVEAL ── */
.reveal,
.siteal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .65s cubic-bezier(.22,1,.36,1), transform .65s cubic-bezier(.22,1,.36,1);
  will-change: opacity, transform;
}
.reveal.in,
.siteal.in { opacity: 1; transform: none; }
.reveal-delay-1, .siteal-delay-1 { transition-delay: .1s; }
.reveal-delay-2, .siteal-delay-2 { transition-delay: .2s; }
.reveal-delay-3, .siteal-delay-3 { transition-delay: .3s; }
.reveal-delay-4, .siteal-delay-4 { transition-delay: .4s; }
.reveal-delay-5, .siteal-delay-5 { transition-delay: .5s; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: 'Barlow Condensed', sans-serif; font-weight: 700; font-size: 15px;
  letter-spacing: .10em; text-transform: uppercase;
  padding: 15px 32px; border-radius: 4px; border: none; cursor: pointer;
  transition: transform .18s, box-shadow .18s, background .18s;
  text-decoration: none; white-space: nowrap; position: relative; overflow: hidden;
}
.btn::before {
  content: ''; position: absolute; inset: 0;
  background: rgba(255,255,255,.12); opacity: 0; transition: opacity .18s;
}
.btn:hover::before { opacity: 1; }
.btn:hover { transform: translateY(-2px); }
.btn svg { transition: transform .18s; flex-shrink: 0; }
.btn:hover svg { transform: translateX(4px); }
.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-d) 100%);
  color: var(--dark); box-shadow: var(--sh-g);
}
.btn-gold:hover { box-shadow: 0 10px 48px rgba(240,165,0,.50); }
.btn-outline-gold { background: transparent; color: var(--gold); border: 2px solid var(--gold); }
.btn-outline-gold:hover { background: var(--gold-p); }
.btn-outline-w { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,.35); }
.btn-outline-w:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.65); }
.btn-lg { padding: 18px 38px; font-size: 16px; }

/* ─────────────────────────────────────────
   TOPBAR + NAV (rovnaký ako hlavná stránka)
───────────────────────────────────────── */
.topbar {
  background: var(--dark2); color: rgba(255,255,255,.48);
  padding: 8px 48px;
  display: flex; justify-content: space-between; align-items: center;
  gap: 16px; flex-wrap: wrap; font-size: 12.5px;
}
.topbar a { color: rgba(255,255,255,.68); transition: color .15s; }
.topbar a:hover { color: var(--gold); }
.tb-l { display: flex; gap: 22px; align-items: center; flex-wrap: wrap; }
.tb-i { display: flex; align-items: center; gap: 6px; }
.nbs-chip {
  background: rgba(240,165,0,.14); border: 1px solid rgba(240,165,0,.28);
  color: var(--gold); padding: 3px 10px; border-radius: 3px;
  font-size: 10px; font-weight: 700; letter-spacing: .14em;
  font-family: 'Barlow Condensed', sans-serif; text-transform: uppercase;
}
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(12,12,12,.96);
  backdrop-filter: blur(24px) saturate(180%);
  border-bottom: 1px solid rgba(240,165,0,.12);
  box-shadow: 0 2px 32px rgba(0,0,0,.60);
  transition: background .3s;
}
.nav-in {
  max-width: 1180px; margin: 0 auto; padding: 0 48px;
  display: flex; align-items: center; justify-content: space-between;
  height: 70px; gap: 20px;
}
.nav-logo { display: flex; align-items: center; gap: 13px; text-decoration: none; }
.logo-main {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 18px; font-weight: 800; color: var(--white);
  letter-spacing: .05em; text-transform: uppercase;
  display: block; line-height: 1.1;
}
.logo-main span { color: var(--gold); }
.logo-sub {
  font-size: 9px; color: rgba(255,255,255,.28);
  letter-spacing: .16em; text-transform: uppercase;
  display: block; margin-top: 2px; font-family: 'DM Sans', sans-serif;
}
.nav-links { display: flex; list-style: none; gap: 2px; align-items: center; }
.nav-links li a {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 14px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase;
  color: rgba(255,255,255,.50); padding: 7px 13px; border-radius: 3px;
  transition: color .15s, background .15s;
}
.nav-links li a:hover  { color: var(--gold); background: rgba(240,165,0,.08); }
.nav-links li a.active { color: var(--gold); }
.nav-cta-li a {
  background: linear-gradient(135deg, var(--gold), var(--gold-d)) !important;
  color: var(--dark) !important; font-weight: 800;
  box-shadow: 0 2px 12px rgba(240,165,0,.30);
}
.nav-cta-li a:hover { box-shadow: 0 4px 20px rgba(240,165,0,.50) !important; }

/* ─────────────────────────────────────────
   HERO — PODSTRÁNKA (kompaktnejší)
───────────────────────────────────────── */
.subhero {
  position: relative; overflow: hidden;
  min-height: 62vh; display: flex; align-items: center;
  padding: 80px 0 64px;
}
.subhero-bg {
  position: absolute; inset: 0; z-index: 0;
  background:
    linear-gradient(105deg, rgba(12,12,12,.90) 0%, rgba(12,12,12,.68) 50%, rgba(12,12,12,.18) 100%),
    url('https://images.unsplash.com/photo-1507035895480-2b3156c31fc8?w=1920&q=88&auto=format&fit=crop') center 45%/cover no-repeat;
}
.subhero-bg::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, transparent, var(--gold) 30%, var(--gold) 70%, transparent);
  z-index: 2;
}
.subhero-in {
  position: relative; z-index: 2;
  max-width: 1180px; margin: 0 auto; padding: 0 48px;
  width: 100%;
}
.subhero-kicker {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: 'Barlow Condensed', sans-serif; font-size: 12px; font-weight: 600;
  letter-spacing: .18em; text-transform: uppercase; color: var(--gold); margin-bottom: 22px;
}
.kicker-dot {
  width: 8px; height: 8px; background: var(--gold); border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(240,165,0,.2);
  animation: kpulse 2.2s infinite;
}
@keyframes kpulse {
  0%,100% { box-shadow: 0 0 0 3px rgba(240,165,0,.2); }
  50%      { box-shadow: 0 0 0 8px rgba(240,165,0,.06); }
}
.subhero h1 {
  font-size: clamp(40px, 5.8vw, 80px); font-weight: 800;
  color: var(--white); margin-bottom: 24px;
  line-height: .96; letter-spacing: .02em; text-transform: uppercase;
}
.subhero h1 em { font-style: normal; color: var(--gold); }
.subhero-sub {
  font-size: 17.5px; color: rgba(255,255,255,.58); max-width: 560px;
  margin-bottom: 40px; font-weight: 300; line-height: 1.72;
}
.subhero-stats {
  display: flex; gap: 44px; padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.10); flex-wrap: wrap;
}
.hs-num {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 32px; font-weight: 800; color: var(--gold);
  line-height: 1; margin-bottom: 3px; letter-spacing: .01em;
}
.hs-lbl { font-size: 12px; color: rgba(255,255,255,.38); font-weight: 300; }

/* ── TICKER ── */
.ticker-wrap {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-d) 100%);
  padding: 13px 0; overflow: hidden;
}
.ticker-t { display: flex; white-space: nowrap; animation: tick 36s linear infinite; }
.t-item {
  display: inline-flex; align-items: center; gap: 14px; padding: 0 28px;
  font-family: 'Barlow Condensed', sans-serif; font-size: 13px; font-weight: 700;
  color: var(--dark); letter-spacing: .09em; text-transform: uppercase;
}
.t-sep { width: 5px; height: 5px; background: rgba(0,0,0,.25); border-radius: 50%; flex-shrink: 0; }
@keyframes tick { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ─────────────────────────────────────────
   SEKCIA A — REALITA (tmavá, intro)
───────────────────────────────────────── */
.reality-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
}
.reality-img {
  position: relative; border-radius: var(--r-xl); overflow: hidden;
  box-shadow: var(--sh-lg);
}
.reality-img img { width: 100%; height: 520px; object-fit: cover; }
.reality-img::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 35%, rgba(0,0,0,.88) 100%);
}
.reality-float {
  position: absolute; bottom: 22px; left: 22px; right: 22px; z-index: 2;
  background: rgba(12,12,12,.95);
  border: 1px solid rgba(240,165,0,.28); border-radius: var(--r-lg);
  padding: 20px 24px; backdrop-filter: blur(12px);
  display: flex; gap: 18px; align-items: center;
}
.rf-num {
  font-family: 'Barlow Condensed', sans-serif; font-size: 38px; font-weight: 800;
  color: var(--gold); line-height: 1; flex-shrink: 0;
}
.rf-text { font-size: 13px; color: rgba(255,255,255,.58); line-height: 1.55; }
.rf-text strong { color: var(--white); font-family: 'Barlow Condensed', sans-serif;
  font-size: 15px; font-weight: 700; display: block; text-transform: uppercase; letter-spacing: .03em; }

.reality-content { display: flex; flex-direction: column; gap: 22px; }
.reality-lead {
  font-family: 'Lora', serif; font-size: 20px; font-style: italic;
  color: rgba(255,255,255,.75); line-height: 1.62;
  border-left: 3px solid var(--gold); padding-left: 22px;
}
.reality-text { font-size: 15px; color: rgba(255,255,255,.52); line-height: 1.74; }
.reality-list { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.reality-list li {
  display: flex; gap: 14px; align-items: flex-start;
  font-size: 14.5px; color: rgba(255,255,255,.60); line-height: 1.55;
}
.rl-ico {
  width: 36px; height: 36px; border-radius: 8px;
  background: rgba(240,165,0,.1); border: 1px solid rgba(240,165,0,.22);
  display: flex; align-items: center; justify-content: center;
  font-size: 17px; flex-shrink: 0;
}
.rl-body strong {
  font-family: 'Barlow Condensed', sans-serif; font-size: 15px; font-weight: 700;
  color: var(--white); display: block; text-transform: uppercase; letter-spacing: .03em; margin-bottom: 2px;
}

/* ─────────────────────────────────────────
   SEKCIA B — ŠTATISTIKY (zlatá)
───────────────────────────────────────── */
.s-gold {
  background: var(--gold);
  background-image:
    radial-gradient(ellipse 80% 80% at 50% 50%, rgba(255,255,255,.15) 0%, transparent 65%),
    linear-gradient(135deg, var(--gold) 0%, var(--gold-d) 100%);
}
.stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 2px;
}
.stat-item {
  text-align: center; padding: 48px 28px;
  border-right: 1px solid rgba(0,0,0,.1);
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: 'Barlow Condensed', sans-serif; font-size: clamp(44px, 5vw, 72px);
  font-weight: 800; color: var(--dark); line-height: 1; margin-bottom: 6px;
  letter-spacing: -.01em;
}
.stat-label { font-size: 13px; color: rgba(12,12,12,.62); font-weight: 400; line-height: 1.5; }
.stat-label strong { display: block; font-family: 'Barlow Condensed', sans-serif; font-size: 15px; font-weight: 700;
  color: var(--dark); text-transform: uppercase; letter-spacing: .04em; margin-bottom: 3px; }

/* ─────────────────────────────────────────
   SEKCIA C — 6 DÔVODOV (svetlá)
───────────────────────────────────────── */
.reasons-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}
.reason-card {
  background: var(--white);
  border: 1.5px solid var(--ink-15); border-radius: var(--r-xl);
  padding: 36px 30px;
  box-shadow: 0 2px 12px rgba(0,0,0,.05);
  transition: border-color .22s, transform .22s, box-shadow .22s;
  display: flex; flex-direction: column; gap: 16px;
}
.reason-card:hover {
  border-color: var(--gold);
  transform: translateY(-6px);
  box-shadow: 0 12px 40px rgba(240,165,0,.14);
}
.rc-head { display: flex; align-items: flex-start; gap: 0; }
.rc-num {
  font-family: 'Barlow Condensed', sans-serif; font-size: 13px; font-weight: 800;
  color: var(--gold-d); letter-spacing: .06em;
  background: var(--gold-l); border: 1.5px solid rgba(240,165,0,.28);
  border-radius: 6px; padding: 4px 10px; flex-shrink: 0; line-height: 1.4;
}

.rc-title {
  font-family: 'Barlow Condensed', sans-serif; font-size: 20px; font-weight: 800;
  color: var(--ink); text-transform: uppercase; letter-spacing: .04em; margin-bottom: 4px;
}
.rc-sub { font-size: 12px; color: var(--gold-d); font-weight: 500; letter-spacing: .04em; }
.rc-body { font-size: 14px; color: var(--ink-70); line-height: 1.66; }
.rc-example {
  margin-top: 6px; padding: 12px 16px;
  background: var(--cream); border-left: 3px solid var(--gold);
  border-radius: 0 8px 8px 0; font-size: 13px; color: var(--ink-70);
  font-style: italic; line-height: 1.55;
}

/* ─────────────────────────────────────────
   SEKCIA D — SCENARIO (photo banner)
───────────────────────────────────────── */
.photo-banner {
  position: relative; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
}
.photo-banner img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.pb-overlay { position: absolute; inset: 0; z-index: 1; }
.pb-content { position: relative; z-index: 2; text-align: center; padding: 0 48px; }
.pb-quote {
  font-family: 'Lora', serif; font-size: clamp(22px, 3.4vw, 46px);
  font-weight: 400; color: var(--white); line-height: 1.3;
  text-shadow: 0 2px 30px rgba(0,0,0,.6); font-style: italic;
}
.pb-quote em { font-style: normal; color: var(--gold); }
.pb-sub { font-size: 14px; color: rgba(255,255,255,.55); margin-top: 18px; font-weight: 300; letter-spacing: .04em; }
.pb-lg { height: 480px; }

/* ─────────────────────────────────────────
   SEKCIA E — ČO SA MÔŽE STAŤ (tmavá)
───────────────────────────────────────── */
.scenarios-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-bottom: 52px;
}
.scenario-card {
  background: var(--dark3);
  border: 1px solid rgba(255,255,255,.07); border-radius: var(--r-xl);
  padding: 32px 26px;
  transition: border-color .2s, box-shadow .2s;
  position: relative; overflow: hidden;
}
.scenario-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-d));
  opacity: 0; transition: opacity .22s;
}
.scenario-card:hover { border-color: rgba(240,165,0,.30); box-shadow: 0 8px 36px rgba(0,0,0,.3); }
.scenario-card:hover::before { opacity: 1; }
.sc-tag {
  font-family: 'Barlow Condensed', sans-serif; font-size: 11px; font-weight: 700;
  letter-spacing: .16em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 16px; display: block;
}
.sc-event {
  font-family: 'Barlow Condensed', sans-serif; font-size: 22px; font-weight: 800;
  color: var(--white); text-transform: uppercase; letter-spacing: .03em;
  margin-bottom: 12px; line-height: 1.1;
}
.sc-desc { font-size: 13.5px; color: rgba(255,255,255,.52); line-height: 1.60; margin-bottom: 22px; }
.sc-divider { height: 1px; background: rgba(255,255,255,.07); margin-bottom: 18px; }
.sc-row { display: flex; justify-content: space-between; align-items: flex-end; gap: 12px; }
.sc-loss { }
.sc-loss-lbl { font-size: 11px; color: rgba(255,255,255,.30); letter-spacing: .08em; text-transform: uppercase; margin-bottom: 3px; }
.sc-loss-val {
  font-family: 'Barlow Condensed', sans-serif; font-size: 28px; font-weight: 800;
  color: #FF6060; line-height: 1;
}
.sc-covered {
  font-family: 'Barlow Condensed', sans-serif; font-size: 13px; font-weight: 700;
  color: #22C55E; background: rgba(34,197,94,.08); border: 1px solid rgba(34,197,94,.22);
  padding: 6px 14px; border-radius: 4px; letter-spacing: .06em; text-transform: uppercase;
  display: flex; align-items: center; gap: 6px; white-space: nowrap;
}

/* ─────────────────────────────────────────
   SEKCIA F — POROVNANIE: BEZ vs. S POISTENÍM
───────────────────────────────────────── */
.compare-wrap {
  display: grid; grid-template-columns: 1fr 1fr; gap: 24px;
}
.compare-col {
  border-radius: var(--r-xl); overflow: hidden;
}
.compare-head {
  padding: 22px 28px;
  font-family: 'Barlow Condensed', sans-serif; font-size: 20px; font-weight: 800;
  letter-spacing: .05em; text-transform: uppercase;
}
.compare-bad .compare-head  { background: #1A0808; color: #FF6060; border: 1px solid rgba(220,38,38,.20); border-bottom: none; }
.compare-good .compare-head { background: rgba(240,165,0,.08); color: var(--gold); border: 1px solid rgba(240,165,0,.25); border-bottom: none; }
.compare-body { padding: 28px; display: flex; flex-direction: column; gap: 12px; }
.compare-bad .compare-body  { background: #120606; border: 1px solid rgba(220,38,38,.15); border-top: none; border-radius: 0 0 var(--r-xl) var(--r-xl); }
.compare-good .compare-body { background: var(--dark3); border: 1px solid rgba(240,165,0,.18); border-top: none; border-radius: 0 0 var(--r-xl) var(--r-xl); }
.cmp-item {
  display: flex; gap: 12px; align-items: flex-start;
  font-size: 14px; line-height: 1.55;
}
.compare-bad  .cmp-item { color: rgba(255,100,100,.70); }
.compare-good .cmp-item { color: rgba(255,255,255,.65); }
.cmp-icon { font-size: 16px; flex-shrink: 0; margin-top: 1px; }

/* ─────────────────────────────────────────
   SEKCIA G — MODELOVÉ SITUÁCIE (tmavá)
───────────────────────────────────────── */
.sit-scroll {
  display: flex; gap: 18px; overflow-x: auto; padding-bottom: 10px;
  scrollbar-width: thin; scrollbar-color: rgba(255,255,255,.1) transparent;
}
.sit-card {
  background: var(--dark3); border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--r-xl); padding: 28px; min-width: 300px; max-width: 340px;
  flex-shrink: 0; display: flex; flex-direction: column;
  transition: border-color .22s, transform .22s, box-shadow .22s;
}
.sit-card:hover {
  border-color: rgba(240,165,0,.38);
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0,0,0,.25);
}
.sit-stars { color: var(--gold); font-size: 15px; letter-spacing: 2px; margin-bottom: 14px; }
.sit-text {
  font-family: 'Lora', serif; font-size: 14px; font-style: italic;
  color: rgba(255,255,255,.72); line-height: 1.70;
  flex: 1; margin-bottom: 20px;
}
.sit-foot {
  display: flex; align-items: center; gap: 12px;
  padding-top: 16px; border-top: 1px solid rgba(255,255,255,.07);
}
.sit-av {
  width: 40px; height: 40px; border-radius: 50%;
  background: rgba(240,165,0,.15); border: 1.5px solid rgba(240,165,0,.28);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Barlow Condensed', sans-serif; font-size: 14px; font-weight: 800;
  color: var(--gold); flex-shrink: 0;
}
.sit-name {
  font-family: 'Barlow Condensed', sans-serif; font-size: 15px; font-weight: 800;
  color: var(--white); letter-spacing: .04em; text-transform: uppercase;
}
.sit-loc { font-size: 12px; color: rgba(255,255,255,.36); }
.sit-tag {
  margin-left: auto; font-size: 10.5px; font-weight: 700;
  background: rgba(240,165,0,.1); color: var(--gold);
  border: 1px solid rgba(240,165,0,.22); padding: 3px 10px; border-radius: 3px;
  white-space: nowrap; font-family: 'Barlow Condensed', sans-serif;
  letter-spacing: .08em; text-transform: uppercase;
}

/* ─────────────────────────────────────────
   SEKCIA H — FAQ (svetlá)
───────────────────────────────────────── */
.faq-layout { display: grid; grid-template-columns: 300px 1fr; gap: 80px; align-items: start; }
.faq-sidebar { }
.faq-list { display: flex; flex-direction: column; gap: 10px; }
.faq-item {
  background: var(--cream);
  border: 1.5px solid var(--ink-15); border-radius: var(--r-lg);
  overflow: hidden; transition: border-color .2s, box-shadow .2s;
  box-shadow: 0 1px 8px rgba(0,0,0,.04);
}
.faq-item:hover { border-color: rgba(240,165,0,.5); }
.faq-item.open { border-color: var(--gold); box-shadow: 0 4px 20px rgba(240,165,0,.12); }
.faq-q {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 18px 22px; cursor: pointer; user-select: none;
}
.faq-qt {
  font-family: 'Barlow Condensed', sans-serif; font-size: 16px; font-weight: 700;
  color: var(--ink); letter-spacing: .03em; text-transform: uppercase;
}
.faq-qi {
  width: 28px; height: 28px; border-radius: 3px;
  background: rgba(240,165,0,.1); border: 1px solid rgba(240,165,0,.22);
  display: flex; align-items: center; justify-content: center;
  color: var(--gold); font-size: 18px; font-weight: 300; flex-shrink: 0;
  transition: background .2s, transform .28s; line-height: 1;
}
.faq-item.open .faq-qi { background: linear-gradient(135deg, var(--gold), var(--gold-d)); color: var(--dark); transform: rotate(45deg); }
.faq-body { max-height: 0; overflow: hidden; transition: max-height .34s cubic-bezier(.4,0,.2,1); font-size: 14px; color: var(--ink-70); line-height: 1.66; }
.faq-item.open .faq-body { max-height: 520px; }
.faq-body-in { padding: 0 22px 22px; }

/* ─────────────────────────────────────────
   CTA BAND
───────────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-d) 100%);
  padding: 72px 48px; text-align: center;
  position: relative; overflow: hidden;
}
.cta-band::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 80% at 50% 50%, rgba(255,255,255,.15) 0%, transparent 65%);
  pointer-events: none;
}
.cta-in { position: relative; z-index: 1; max-width: 680px; margin: 0 auto; }
.cta-in h2 {
  font-size: clamp(32px, 4.8vw, 62px); font-weight: 800;
  color: var(--dark); text-transform: uppercase; letter-spacing: .02em;
  margin-bottom: 18px; line-height: 1.0;
}
.cta-in p { font-size: 16px; color: rgba(12,12,12,.65); margin-bottom: 36px; font-weight: 300; line-height: 1.7; }
.cta-pills { display: flex; gap: 10px; flex-wrap: wrap; justify-content: center; margin-top: 28px; }
.cta-pill {
  background: rgba(0,0,0,.1); border: 1px solid rgba(0,0,0,.15);
  color: var(--dark); font-family: 'Barlow Condensed', sans-serif;
  font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
  padding: 7px 16px; border-radius: 4px;
}
.btn-dark { background: var(--dark); color: var(--white); box-shadow: 0 4px 20px rgba(0,0,0,.35); }
.btn-dark:hover { background: var(--dark3); }

/* ─────────────────────────────────────────
   FOOTER (rovnaký)
───────────────────────────────────────── */
footer {
  background: var(--dark2);
  border-top: 1px solid rgba(240,165,0,.1);
}
.foot-in { max-width: 1180px; margin: 0 auto; padding: 64px 48px 36px; }
.foot-grid { display: grid; grid-template-columns: minmax(230px,2fr) repeat(4,minmax(130px,1fr)); gap: 48px; margin-bottom: 48px; }
.foot-logo-wrap { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; }
.foot-logo-main {
  font-family: 'Barlow Condensed', sans-serif; font-size: 20px; font-weight: 800;
  color: var(--white); letter-spacing: .04em; text-transform: uppercase;
}
.foot-logo-main span { color: var(--gold); }
.foot-logo-sub { font-size: 9px; color: rgba(255,255,255,.26); letter-spacing: .14em; text-transform: uppercase; display: block; font-family: 'DM Sans', sans-serif; }
.foot-desc { font-size: 13px; color: rgba(255,255,255,.32); line-height: 1.68; max-width: 260px; }
.foot-col h5 {
  font-family: 'Barlow Condensed', sans-serif; font-size: 12px; font-weight: 700;
  color: rgba(255,255,255,.30); letter-spacing: .18em; text-transform: uppercase;
  margin-bottom: 16px;
}
.foot-col ul { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.foot-col ul li a { font-size: 13.5px; color: rgba(255,255,255,.48); transition: color .15s; }
.foot-col ul li a:hover { color: var(--gold); }
.foot-bot {
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 14px;
  padding-top: 24px; border-top: 1px solid rgba(255,255,255,.07);
  font-size: 12px; color: rgba(255,255,255,.24);
}
.foot-nbs { display: flex; align-items: center; gap: 10px; font-size: 12px; color: rgba(255,255,255,.26); }
.foot-nbs-tag {
  background: rgba(240,165,0,.14); border: 1px solid rgba(240,165,0,.28);
  color: var(--gold); font-family: 'Barlow Condensed', sans-serif;
  font-size: 10px; font-weight: 800; letter-spacing: .14em; padding: 2px 8px; border-radius: 3px;
}

/* ─────────────────────────────────────────
   RESPONSIVE
───────────────────────────────────────── */
@media (max-width: 960px) {
  .w { padding: 0 24px; }
  .sec { padding: 72px 0; }
  .reality-grid, .compare-wrap, .faq-layout { grid-template-columns: 1fr; }
  .reasons-grid { grid-template-columns: 1fr 1fr; }
  .scenarios-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .subhero-stats { gap: 28px; }
}
@media (max-width: 600px) {
  .reasons-grid, .scenarios-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat-item { padding: 32px 16px; }
  .topbar { display: none; }
  .nav-links { display: none; }
  .foot-grid { grid-template-columns: 1fr; }
  .subhero h1 { font-size: 42px; }
  .cta-band { padding: 52px 24px; }
}

/* Reality section light override */
#dovody .reality-lead,
#dovody .reality-text,
#dovody .reality-list li,
#dovody .rf-text strong,
#dovody .rl-body strong {
  color: var(--ink);
}

#dovody .reality-text,
#dovody .reality-list li,
#dovody .rf-text,
#dovody .rl-body {
  color: var(--ink-70);
}

#dovody .reality-img::after {
  background: linear-gradient(180deg, transparent 35%, rgba(255,255,255,.92) 100%);
}

#dovody .reality-float {
  background: rgba(255,255,255,.96);
  border: 1px solid rgba(240,165,0,.28);
}


/* Compare section light override */
.compare-bad .compare-head {
  background:#FFF1F1;
  color:#C62828;
  border:1px solid rgba(198,40,40,.18);
  border-bottom:none;
}

.compare-good .compare-head {
  background:var(--gold-l);
  color:var(--gold-d);
  border:1px solid rgba(240,165,0,.25);
  border-bottom:none;
}

.compare-bad .compare-body,
.compare-good .compare-body {
  background:#fff;
  border-top:none;
}

.compare-bad .cmp-item {
  color:rgba(160,40,40,.78);
}

.compare-good .cmp-item {
  color:var(--ink-70);
}

.compare-wrap {
  align-items:stretch;
}




/* === AUDIT FIXES: A11y, mobile nav, sticky CTA, motion, model situations === */
:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 10px;
  z-index: 9999;
  padding: 10px 14px;
  border-radius: 6px;
  background: var(--gold);
  color: var(--dark);
  font-weight: 800;
}

.skip-link:focus {
  left: 10px;
}

.nav-logo img {
  width: 52px;
  height: 52px;
}

.nav-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(240,165,0,.35);
  border-radius: 10px;
  background: rgba(240,165,0,.08);
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
}

.nav-toggle span {
  width: 22px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  transition: transform .22s, opacity .22s;
}

.nav.menu-open .nav-toggle span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav.menu-open .nav-toggle span:nth-child(2) {
  opacity: 0;
}

.nav.menu-open .nav-toggle span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.hero-trust-note {
  margin-top: 18px;
  color: rgba(255,255,255,.62);
  font-size: 14px;
  line-height: 1.6;
}

.mobile-sticky-cta {
  display: none;
}

.faq-q {
  width: 100%;
  border: 0;
  background: transparent;
  text-align: left;
  font: inherit;
}

.sit-scroll {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  overflow: visible;
  padding-bottom: 0;
}

.sit-card {
  min-width: 0;
  max-width: none;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }

  .reveal,
  .siteal {
    opacity: 1 !important;
    transform: none !important;
  }
}

@media (max-width: 960px) {
  .sit-scroll {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 760px) {
  .nav-in {
    height: 66px;
    padding-left: 20px;
    padding-right: 20px;
  }

  .nav-toggle {
    display: flex;
  }

  .nav-links {
    position: absolute;
    top: 66px;
    left: 16px;
    right: 16px;
    display: flex !important;
    flex-direction: column;
    align-items: stretch;
    gap: 8px;
    padding: 18px;
    background: rgba(12,12,12,.98);
    border: 1px solid rgba(240,165,0,.18);
    border-radius: 18px;
    box-shadow: var(--sh-lg);
    transform: translateY(-12px);
    opacity: 0;
    pointer-events: none;
    visibility: hidden;
    transition: opacity .22s, transform .22s, visibility .22s;
  }

  .nav.menu-open .nav-links {
    opacity: 1;
    pointer-events: auto;
    visibility: visible;
    transform: translateY(0);
  }

  .nav-links li a {
    display: block;
    padding: 12px 14px;
  }

  .nav-cta-li a {
    text-align: center;
  }

  .subhero {
    padding-top: 58px;
  }

  .subhero-in {
    padding-left: 20px;
    padding-right: 20px;
  }

  .hero-trust-note {
    font-size: 13px;
  }

  .mobile-sticky-cta {
    display: flex;
    position: fixed;
    left: 16px;
    right: 16px;
    bottom: 14px;
    z-index: 150;
    align-items: center;
    justify-content: center;
    padding: 14px 18px;
    border-radius: 10px;
    background: linear-gradient(135deg,var(--gold),var(--gold-d));
    color: var(--dark);
    box-shadow: 0 10px 35px rgba(0,0,0,.32);
    font-family: 'Barlow Condensed', sans-serif;
    font-weight: 800;
    letter-spacing: .1em;
    text-transform: uppercase;
  }

  body {
    padding-bottom: 74px;
  }

  .subhero h1 {
    font-size: clamp(38px,12vw,52px);
  }

  .stats-grid {
    grid-template-columns: 1fr;
  }

  .sit-scroll,
  .compare-wrap,
  .scenarios-grid,
  .reasons-grid {
    grid-template-columns: 1fr;
  }

  .sc-covered {
    white-space: normal;
  }
}


/* Extracted from inline style attributes in preco-poistit.php. */
.u-inline-preco-poistit-1 {
  object-fit: contain !important;
  display: block !important;
}

.u-inline-preco-poistit-2 {
  display: flex !important;
  gap: 14px !important;
  flex-wrap: wrap !important;
}

.u-inline-preco-poistit-3 {
  background: linear-gradient(105deg, rgba(12,12,12,.90) 0%, rgba(12,12,12,.60) 50%, rgba(12,12,12,.35) 100%) !important;
}

.u-inline-preco-poistit-4 {
  font-size: 15px !important;
  color: var(--ink-70) !important;
  line-height: 1.68 !important;
  margin-bottom: 32px !important;
}

.u-inline-preco-poistit-5 {
  object-fit: contain !important;
  display: block !important;
}

.rc-example strong{font-style:normal;color:var(--ink);font-weight:800}