/* =====================================================================
   FinKorb — vizuálny a animačný layer (2026)
   Načítava sa AŽ PO style.css, takže tieto pravidlá majú prednosť.
   Celý súbor sa dá odstrániť bez toho, aby sa stránka rozbila.
   ===================================================================== */

/* ------------------------------------------------------------------
   1. Rozšírená farebná paleta
   ------------------------------------------------------------------ */
:root {
    --navy: #0f2c59;
    --navy-deep: #081b3a;
    --navy-soft: #1e3a6f;

    --gold: #c5832b;
    --gold-light: #e8b563;

    --teal: #0d9488;
    --teal-light: #2dd4bf;
    --sky: #2563eb;
    --sky-light: #60a5fa;
    --violet: #7c3aed;
    --violet-light: #a78bfa;

    --grad-gold: linear-gradient(135deg, #e8b563 0%, #c5832b 100%);
    --grad-navy: linear-gradient(135deg, #1e3a6f 0%, #081b3a 100%);
    --grad-teal: linear-gradient(135deg, #2dd4bf 0%, #0d9488 100%);
    --grad-sky: linear-gradient(135deg, #60a5fa 0%, #2563eb 100%);
    --grad-violet: linear-gradient(135deg, #a78bfa 0%, #7c3aed 100%);

    /* Striedavé pozadie sekcií, aby stránka nebola biela na bielej */
    --section-alt-bg: #f6f8fc;
    --surface: #ffffff;
    --surface-border: rgba(15, 44, 89, 0.08);
    --surface-ring: rgba(15, 44, 89, 0.06);

    --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
    --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
}

body.dark-mode {
    --section-alt-bg: #0a1428;
    --surface: #101d38;
    --surface-border: rgba(255, 255, 255, 0.09);
    --surface-ring: rgba(255, 255, 255, 0.05);
}

/* ------------------------------------------------------------------
   2. Ukazovateľ posunu stránky (tenký pásik úplne hore)
   ------------------------------------------------------------------ */
.scroll-progress {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    width: 100%;
    transform: scaleX(0);
    transform-origin: 0 50%;
    background: linear-gradient(90deg, var(--gold) 0%, var(--teal) 50%, var(--sky) 100%);
    z-index: 3000;
    pointer-events: none;
}

/* ------------------------------------------------------------------
   3. Odhaľovanie prvkov pri scrollovaní
   ------------------------------------------------------------------ */
.has-reveal [data-reveal] {
    opacity: 0;
    transform: translate3d(0, 28px, 0);
    transition:
        opacity 0.75s var(--ease-out),
        transform 0.75s var(--ease-out);
    transition-delay: var(--reveal-delay, 0ms);
    will-change: opacity, transform;
}

.has-reveal [data-reveal='left']  { transform: translate3d(-34px, 0, 0); }
.has-reveal [data-reveal='right'] { transform: translate3d(34px, 0, 0); }
.has-reveal [data-reveal='zoom']  { transform: scale(0.92); }

.has-reveal [data-reveal].is-visible {
    opacity: 1;
    transform: translate3d(0, 0, 0) scale(1);
}

/* ------------------------------------------------------------------
   4. Priebežné pozadie celej stránky
   Jedna vrstva pod obsahom namiesto sekcií, ktoré sa striedali
   svetlá/tónovaná. Mriežka aj škvrny tak plynú cez celú stránku.
   ------------------------------------------------------------------ */
:root {
    --page-base: #f6f8fc;
    --grid-line: rgba(15, 44, 89, 0.04);
}

body.dark-mode {
    --page-base: #050810;
    --grid-line: rgba(255, 255, 255, 0.03);
}

body {
    background: var(--page-base);
}

.page-bg {
    position: fixed;
    inset: 0;
    z-index: -10;
    overflow: hidden;
    pointer-events: none;
    background: var(--page-base);
}

/* Farebné škvrny. Držané mäkko a nízko, aby text nad nimi ostal čitateľný;
   rozmiestnené aj do stredu, nech pozadie nie je uprostred ploché. */
.page-bg__blobs span {
    position: absolute;
    display: block;
    border-radius: 50%;
    filter: blur(110px);
    opacity: 0.4;
    animation: pageDrift 34s ease-in-out infinite;
}

/* teplá zľava hore */
.page-bg__blobs span:nth-child(1) {
    width: 680px; height: 680px;
    top: -240px; left: -200px;
    background: radial-gradient(circle, #e8b563 0%, rgba(232, 181, 99, 0) 68%);
}

/* modrá sprava hore */
.page-bg__blobs span:nth-child(2) {
    width: 760px; height: 760px;
    top: -220px; right: -240px;
    background: radial-gradient(circle, #4d8df0 0%, rgba(77, 141, 240, 0) 68%);
    animation-duration: 41s;
    animation-delay: -11s;
}

/* tyrkysová do stredu vľavo */
.page-bg__blobs span:nth-child(3) {
    width: 620px; height: 620px;
    top: 34%; left: -180px;
    background: radial-gradient(circle, #2dd4bf 0%, rgba(45, 212, 191, 0) 68%);
    animation-duration: 47s;
    animation-delay: -22s;
}

/* fialová dole v strede */
.page-bg__blobs span:nth-child(4) {
    width: 640px; height: 640px;
    bottom: -260px; left: 26%;
    background: radial-gradient(circle, #8b7cf0 0%, rgba(139, 124, 240, 0) 68%);
    animation-duration: 44s;
    animation-delay: -31s;
}

/* zlatá dole vpravo, aby sa kruh farieb uzavrel */
.page-bg__blobs span:nth-child(5) {
    width: 560px; height: 560px;
    bottom: -200px; right: -140px;
    background: radial-gradient(circle, #d99b4a 0%, rgba(217, 155, 74, 0) 68%);
    animation-duration: 38s;
    animation-delay: -6s;
}

body.dark-mode .page-bg__blobs span {
    opacity: 0.34;
    filter: blur(120px);
}

@keyframes pageDrift {
    0%, 100% { transform: translate3d(0, 0, 0) scale(1); }
    33%      { transform: translate3d(56px, 38px, 0) scale(1.12); }
    66%      { transform: translate3d(-44px, 24px, 0) scale(0.93); }
}

/* Mriežka. Slabšia ako predtým a hlavne s mäkkým stmievaním k okrajom —
   bez neho pôsobila ako tabuľka cez celú obrazovku. */
.page-bg__grid {
    position: absolute;
    inset: -10%;
    background-image:
        linear-gradient(var(--grid-line) 1px, transparent 1px),
        linear-gradient(90deg, var(--grid-line) 1px, transparent 1px);
    background-size: 72px 72px;
    mask-image: radial-gradient(
        ellipse 88% 74% at 50% 34%,
        #000 6%,
        rgba(0, 0, 0, 0.5) 48%,
        rgba(0, 0, 0, 0.16) 72%,
        transparent 90%
    );
    -webkit-mask-image: radial-gradient(
        ellipse 88% 74% at 50% 34%,
        #000 6%,
        rgba(0, 0, 0, 0.5) 48%,
        rgba(0, 0, 0, 0.16) 72%,
        transparent 90%
    );
}

/* Jemné presvetlenie hore, nech hlavička nesedí na plochej ploche */
.page-bg::after {
    content: '';
    position: absolute;
    inset: 0 0 auto;
    height: 62vh;
    background: radial-gradient(
        ellipse 70% 100% at 50% 0%,
        rgba(255, 255, 255, 0.5) 0%,
        rgba(255, 255, 255, 0) 70%
    );
    pointer-events: none;
}

body.dark-mode .page-bg::after {
    background: radial-gradient(
        ellipse 70% 100% at 50% 0%,
        rgba(120, 160, 255, 0.09) 0%,
        rgba(120, 160, 255, 0) 70%
    );
}

/* ------------------------------------------------------------------
   4b. HERO
   ------------------------------------------------------------------ */
#hero {
    position: relative;
    isolation: isolate;
    padding: 72px 20px 96px;
    background: transparent;
    border-radius: 0;
    box-shadow: none;
}

.hero-content {
    flex-direction: column;
    text-align: center;
    align-items: center;
    gap: 0;
}

.hero-text { flex: none; max-width: 900px; }

/* Odznak nad nadpisom */
.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    padding: 8px 20px 8px 10px;
    margin-bottom: 34px;
    border-radius: 999px;
    background: var(--surface);
    border: 1px solid var(--surface-border);
    box-shadow: 0 6px 20px -8px rgba(15, 44, 89, 0.3);
    font-size: 0.86rem;
    font-weight: 600;
    letter-spacing: 0.3px;
    color: var(--heading-color);
}

#hero h1 {
    font-size: clamp(2.3rem, 5.6vw, 4rem);
    line-height: 1.12;
    letter-spacing: -1px;
    margin-bottom: 1.4rem;
}

/* Farebný prechod na zvýraznenej časti nadpisu */
.hero-highlight {
    background: linear-gradient(
        100deg,
        #c5832b 0%, #e8b563 12%, #2dd4bf 26%, #2563eb 38%,
        #7c3aed 50%,
        #2563eb 62%, #2dd4bf 74%, #e8b563 88%, #c5832b 100%
    );
    background-size: 280% 100%;
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    color: transparent;
    animation: hueSlide 9s linear infinite;
}

@keyframes hueSlide {
    0%   { background-position: 0% 50%; }
    100% { background-position: 280% 50%; }
}

#hero p {
    font-size: clamp(1.02rem, 2vw, 1.22rem);
    margin: 0 auto 2.4rem;
    color: var(--text-muted);
    max-width: 620px;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    justify-content: center;
    margin-bottom: 58px;
}

/* Sekundárne tlačidlo */
.hero-actions .btn-secondary {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 15px 32px;
    border-radius: 50px;
    font-weight: 600;
    font-size: 1.05rem;
    color: var(--heading-color);
    background: var(--surface);
    border: 1.5px solid var(--surface-border);
    transition: transform 0.3s var(--ease-out), box-shadow 0.3s var(--ease-out), border-color 0.3s ease;
    cursor: pointer;
}

.hero-actions .btn-secondary:hover {
    transform: translateY(-3px);
    border-color: var(--gold);
    box-shadow: 0 10px 26px -12px rgba(15, 44, 89, 0.5);
}

.hero-actions .btn-secondary svg { transition: transform 0.3s var(--ease-out); }
.hero-actions .btn-secondary:hover svg { transform: translateX(4px); }

/* Lesklý prebeh cez hlavné tlačidlo */
.btn-primary {
    position: relative;
    overflow: hidden;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: var(--grad-gold);
}

.btn-primary::after {
    content: '';
    position: absolute;
    top: 0;
    left: -140%;
    width: 60%;
    height: 100%;
    background: linear-gradient(100deg, transparent, rgba(255, 255, 255, 0.55), transparent);
    transform: skewX(-20deg);
    transition: left 0.75s var(--ease-out);
}

.btn-primary:hover::after { left: 140%; }
.btn-primary:hover { background: var(--grad-gold); }

/* Štatistiky s odpočítavaním */
.hero-stats {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 14px;
}

.hero-stat {
    flex: 1 1 200px;
    max-width: 260px;
    padding: 26px 22px;
    border-radius: 20px;
    background: var(--surface);
    border: 1px solid var(--surface-border);
    box-shadow: 0 18px 40px -30px rgba(15, 44, 89, 0.7);
    transition: transform 0.4s var(--ease-out), box-shadow 0.4s var(--ease-out);
}

.hero-stat:hover {
    transform: translateY(-6px);
    box-shadow: 0 26px 50px -28px rgba(15, 44, 89, 0.75);
}

.hero-stat__value {
    font-family: 'Montserrat', sans-serif;
    font-size: 2.5rem;
    font-weight: 700;
    line-height: 1;
    background: var(--grad-gold);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    color: transparent;
}

.hero-stat:nth-child(2) .hero-stat__value { background: var(--grad-teal); -webkit-background-clip: text; background-clip: text; }
.hero-stat:nth-child(3) .hero-stat__value { background: var(--grad-sky);  -webkit-background-clip: text; background-clip: text; }

.hero-stat__label {
    display: block;
    margin-top: 8px;
    font-size: 0.92rem;
    color: var(--text-muted);
    font-weight: 500;
}

/* Šípka „scrolluj ďalej" */
.hero-scroll {
    display: flex;
    justify-content: center;
    margin-top: 54px;
    color: var(--text-muted);
}

.hero-scroll svg { animation: scrollNudge 2.2s ease-in-out infinite; }

@keyframes scrollNudge {
    0%, 100% { transform: translateY(0); opacity: 0.45; }
    50%      { transform: translateY(9px); opacity: 1; }
}

/* ------------------------------------------------------------------
   5. Nadpisy sekcií
   ------------------------------------------------------------------ */
h2::after {
    background: var(--grad-gold);
    width: 68px;
    height: 4px;
}

.section-subtitle {
    display: inline-block;
    padding: 6px 16px;
    border-radius: 999px;
    background: rgba(197, 131, 43, 0.12);
    color: var(--gold);
    font-size: 0.78rem;
    letter-spacing: 2.2px;
}

/* Sekcie sú priehľadné — pozadie rieši jedna vrstva pod celou stránkou,
   takže mriežka aj škvrny plynú bez švíkov medzi sekciami. */
#vyhody,
#sluzby,
#postup,
#recenzie,
#kontakt {
    background: transparent;
}

#postup {
    max-width: 100%;
}

/* FAQ držíme na celej šírke, obsah v strede na 1200 px */
#faq {
    background: transparent;
    max-width: 100%;
}

#faq > h2,
#faq > details {
    max-width: 1200px;
    margin-left: auto;
    margin-right: auto;
}

/* ------------------------------------------------------------------
   6. Karty výhod
   ------------------------------------------------------------------ */
.benefits-grid { gap: 28px; }

.benefit-item {
    position: relative;
    padding: 34px 30px;
    border-radius: 22px;
    background: var(--surface);
    border: 1px solid var(--surface-border);
    box-shadow: 0 20px 44px -34px rgba(15, 44, 89, 0.6);
    overflow: hidden;
    transition: transform 0.45s var(--ease-out), box-shadow 0.45s var(--ease-out);
}

/* Farebný pásik, ktorý sa vysunie zhora pri prejdení myšou */
.benefit-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--card-accent, var(--grad-gold));
    transform: scaleX(0);
    transform-origin: 0 50%;
    transition: transform 0.5s var(--ease-out);
}

.benefit-item:hover::before { transform: scaleX(1); }

.benefit-item:hover {
    transform: translateY(-10px);
    box-shadow: 0 34px 60px -32px rgba(15, 44, 89, 0.7);
}

/* Farebná dlaždica s ikonou */
.benefit-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 62px;
    height: 62px;
    border-radius: 18px;
    background: var(--card-accent, var(--grad-gold));
    color: #ffffff;
    margin-bottom: 22px;
    box-shadow: 0 12px 26px -12px var(--card-glow, rgba(197, 131, 43, 0.9));
    transition: transform 0.5s var(--ease-spring);
}

.benefit-icon svg { width: 30px; height: 30px; }

.benefit-item:hover .benefit-icon { transform: rotate(-6deg) scale(1.08); }

.benefit-item:nth-child(1) { --card-accent: var(--grad-gold); --card-glow: rgba(197, 131, 43, 0.9); }
.benefit-item:nth-child(2) { --card-accent: var(--grad-teal); --card-glow: rgba(13, 148, 136, 0.9); }
.benefit-item:nth-child(3) { --card-accent: var(--grad-sky);  --card-glow: rgba(37, 99, 235, 0.85); }

/* ------------------------------------------------------------------
   7. Cenník
   ------------------------------------------------------------------ */
.cennik-wrapper {
    position: relative;
    margin-top: 64px;
    padding: 44px 38px;
    border-radius: 24px;
    background: var(--surface);
    border: 1px solid var(--surface-border);
    overflow: hidden;
}

.cennik-wrapper::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 5px;
    background: linear-gradient(90deg, var(--gold), var(--teal), var(--sky));
}

.price-subtitle {
    font-size: 1.2rem;
    font-weight: 600;
    color: var(--teal);
}

/* ------------------------------------------------------------------
   8. Nová sekcia „Ako to prebieha"
   ------------------------------------------------------------------ */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    position: relative;
}

.step-item {
    position: relative;
    padding: 34px 26px;
    border-radius: 22px;
    background: var(--surface);
    border: 1px solid var(--surface-border);
    text-align: left;
    transition: transform 0.45s var(--ease-out), box-shadow 0.45s var(--ease-out);
}

.step-item:hover {
    transform: translateY(-8px);
    box-shadow: 0 30px 56px -34px rgba(15, 44, 89, 0.7);
}

.step-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    border-radius: 16px;
    font-family: 'Montserrat', sans-serif;
    font-size: 1.3rem;
    font-weight: 700;
    color: #ffffff;
    background: var(--step-accent, var(--grad-navy));
    margin-bottom: 20px;
    box-shadow: 0 12px 26px -14px rgba(15, 44, 89, 0.9);
}

.step-item:nth-child(1) { --step-accent: var(--grad-gold); }
.step-item:nth-child(2) { --step-accent: var(--grad-teal); }
.step-item:nth-child(3) { --step-accent: var(--grad-sky); }
.step-item:nth-child(4) { --step-accent: var(--grad-violet); }

.step-item h3 {
    font-size: 1.18rem;
    margin-bottom: 12px;
}

.step-item p {
    color: var(--text-muted);
    font-size: 0.98rem;
    line-height: 1.68;
}

/* ------------------------------------------------------------------
   9. Služby
   ------------------------------------------------------------------ */
.services-grid { gap: 28px; }

.service-item {
    position: relative;
    text-align: left;
    padding: 36px 32px;
    border-radius: 22px;
    border-top: none;
    border: 1px solid var(--surface-border);
    background: var(--surface);
    overflow: hidden;
    transition: transform 0.45s var(--ease-out), box-shadow 0.45s var(--ease-out);
}

/* Farebná žiara, ktorá sa rozsvieti v rohu karty */
.service-item::after {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 180px;
    height: 180px;
    border-radius: 50%;
    background: var(--svc-accent, var(--grad-gold));
    opacity: 0;
    filter: blur(46px);
    transition: opacity 0.5s ease;
}

.service-item:hover::after { opacity: 0.34; }

.service-item:hover {
    transform: translateY(-10px);
    border-top: none;
    box-shadow: 0 34px 60px -32px rgba(15, 44, 89, 0.7);
}

.service-icon {
    position: relative;
    z-index: 1;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 60px;
    height: 60px;
    border-radius: 18px;
    background: var(--svc-accent, var(--grad-gold));
    color: #ffffff;
    margin-bottom: 20px;
    transition: transform 0.5s var(--ease-spring);
}

.service-item:hover .service-icon { transform: rotate(-6deg) scale(1.08); }

.service-item h3,
.service-item p { position: relative; z-index: 1; }

.service-item p { color: var(--text-muted); }

.service-item:nth-child(1) { --svc-accent: var(--grad-teal); }
.service-item:nth-child(2) { --svc-accent: var(--grad-sky); }

/* Štítky s tým, čo služba pokrýva */
.service-tags {
    position: relative;
    z-index: 1;
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-top: 20px;
}

.service-tags span {
    padding: 6px 13px;
    border-radius: 999px;
    font-size: 0.82rem;
    font-weight: 500;
    color: var(--heading-color);
    background: var(--surface-ring);
    border: 1px solid var(--surface-border);
}

body.dark-mode .service-tags span { color: var(--text-color); }

/* ------------------------------------------------------------------
   10. FAQ — plynulé rozbaľovanie
   ------------------------------------------------------------------ */
#faq details {
    border-radius: 16px;
    border: 1px solid var(--surface-border);
    overflow: hidden;
}

#faq details[open] {
    border-color: rgba(197, 131, 43, 0.4);
    box-shadow: 0 20px 44px -34px rgba(15, 44, 89, 0.6);
}

#faq summary {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
}

/* Jemné plus, ktoré sa pri otvorení otočí na mínus.
   Kreslené ako SVG, nie cez pozadia — tie sa v orámovanom krúžku
   centrovali voči vnútornej ploche a čiarka sedela mimo stredu. */
/* Stara ikona zo style.css sa rusi v oboch stavoch. Pravidlo pre
   otvoreny stav tam ma vyssiu specificitu, takze mu treba odpovedat
   rovnako specifickym selektorom - inak sa pri otvoreni vrati a v
   riadku su naraz dve ikony. */
#faq summary::after,
#faq details[open] summary::after { content: none; }

.faq-icon {
    flex: none;
    display: grid;
    place-items: center;
    width: 22px;
    height: 22px;
    color: var(--text-muted);
    transition: color 0.3s ease, transform 0.45s var(--ease-out);
}

.faq-icon svg {
    width: 15px;
    height: 15px;
    overflow: visible;
}

.faq-icon__v {
    transform-origin: 12px 12px;
    transition: transform 0.4s var(--ease-out), opacity 0.3s ease;
}

#faq details[open] .faq-icon {
    color: var(--gold);
    transform: rotate(180deg);
}

#faq details[open] .faq-icon__v {
    transform: scaleY(0);
    opacity: 0;
}

#faq summary:hover .faq-icon { color: var(--gold); }

/* Obsah sa rozbalí plynulo (výšku animujeme cez grid).
   Predvolene je otvorený, takže FAQ funguje aj bez JavaScriptu —
   zbalený stav nastavuje až enhance.js triedou .is-collapsed. */
#faq details .faq-answer {
    display: grid;
    grid-template-rows: 1fr;
    transition: grid-template-rows 0.42s var(--ease-out);
}

#faq details .faq-answer.is-collapsed { grid-template-rows: 0fr; }

#faq details .faq-answer > div { overflow: hidden; }

/* ------------------------------------------------------------------
   11. Partneri — logá sa rozžiaria pri prejdení myšou
   ------------------------------------------------------------------ */
.partners-logos img {
    filter: grayscale(100%);
    opacity: 0.62;
    transition: filter 0.4s ease, opacity 0.4s ease, transform 0.4s var(--ease-out);
}

.partners-logos img:hover {
    filter: grayscale(0%);
    opacity: 1;
    transform: scale(1.07);
}

/* ------------------------------------------------------------------
   12. Tlačidlo návratu hore
   ------------------------------------------------------------------ */
.back-to-top {
    position: fixed;
    right: 22px;
    bottom: 22px;
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    border: none;
    border-radius: 50%;
    background: var(--grad-navy);
    color: #ffffff;
    cursor: pointer;
    opacity: 0;
    visibility: hidden;
    transform: translateY(14px);
    transition: opacity 0.35s ease, transform 0.35s var(--ease-out), visibility 0.35s;
    box-shadow: 0 14px 30px -12px rgba(15, 44, 89, 0.8);
    z-index: 900;
}

.back-to-top.is-visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.back-to-top:hover { background: var(--grad-gold); }

/* ------------------------------------------------------------------
   13. Responzivita
   ------------------------------------------------------------------ */
@media (max-width: 1024px) {
    .steps-grid { grid-template-columns: repeat(2, 1fr); }
    .benefits-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
    #hero { padding: 76px 20px 68px; border-radius: 0 0 32px 32px; }
    .hero-actions { flex-direction: column; align-items: stretch; }
    .hero-actions .btn-primary,
    .hero-actions .btn-secondary { justify-content: center; }
    .hero-stats { gap: 12px; }
    .hero-stat { flex: 1 1 100%; max-width: 100%; padding: 20px; }
    .hero-stat__value { font-size: 2.1rem; }
    .hero-scroll { display: none; }
    .steps-grid, .benefits-grid { grid-template-columns: 1fr; }
    .cennik-wrapper { padding: 32px 22px; }
}

/* ------------------------------------------------------------------
   14. Rešpektovanie nastavenia „obmedziť pohyb"
   ------------------------------------------------------------------ */
@media (prefers-reduced-motion: reduce) {
    .has-reveal [data-reveal] {
        opacity: 1 !important;
        transform: none !important;
        transition: none !important;
    }

    .page-bg__blobs span,
    .hero-highlight,
    .hero-scroll svg {
        animation: none !important;
    }

    .hero-highlight {
        background-position: 0 50%;
    }

    .btn-primary::after { transition: none; }

    .benefit-item:hover,
    .service-item:hover,
    .step-item:hover,
    .hero-stat:hover {
        transform: none;
    }

    #faq details .faq-answer { transition: none; }
}

/* =====================================================================
   DRUHÉ KOLO ÚPRAV
   Radar v hero odznaku, pás partnerov, prepracované recenzie
   a kontaktná sekcia.
   ===================================================================== */

/* ------------------------------------------------------------------
   15. Hero — odznak vyššie a radar namiesto bodky
   ------------------------------------------------------------------ */
#hero {
    padding-top: 72px;
}

.hero-badge {
    gap: 12px;
    padding: 8px 20px 8px 10px;
    margin-bottom: 34px;
}

/* Radar: krúžok s otáčajúcim sa lúčom a vlnami, ktoré sa rozbiehajú.
   Má naznačiť, že sa prehľadáva trh. */
.hero-badge__radar {
    position: relative;
    flex: none;
    width: 30px;
    height: 30px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    border: 1px solid rgba(13, 148, 136, 0.35);
    background: radial-gradient(circle, rgba(13, 148, 136, 0.14), transparent 70%);
    overflow: hidden;
}

/* otáčajúci sa lúč */
.hero-badge__radar::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: 50%;
    background: conic-gradient(
        from 0deg,
        rgba(13, 148, 136, 0) 0deg,
        rgba(13, 148, 136, 0) 258deg,
        rgba(13, 148, 136, 0.55) 352deg,
        rgba(45, 212, 191, 0.9) 360deg
    );
    animation: radarSweep 2.8s linear infinite;
}

/* stred */
.hero-badge__radar::after {
    content: '';
    position: relative;
    z-index: 2;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--teal);
    box-shadow: 0 0 6px rgba(13, 148, 136, 0.9);
}

/* dve vlny, ktoré sa rozbiehajú od stredu */
.hero-badge__radar i {
    position: absolute;
    inset: 0;
    z-index: 1;
    border-radius: 50%;
    border: 1.5px solid rgba(13, 148, 136, 0.55);
    transform: scale(0.15);
    opacity: 0;
    animation: radarPing 2.8s ease-out infinite;
}

.hero-badge__radar i:nth-child(2) { animation-delay: 1.4s; }

@keyframes radarSweep {
    to { transform: rotate(360deg); }
}

@keyframes radarPing {
    0%   { transform: scale(0.15); opacity: 0.9; }
    70%  { transform: scale(1);    opacity: 0; }
    100% { transform: scale(1);    opacity: 0; }
}

/* ------------------------------------------------------------------
   16. Partneri — railboard (dva pásy proti sebe + pravítko)
   ------------------------------------------------------------------ */
#partneri {
    padding: 76px 0;
    background: transparent;
}

.partners-layout {
    flex-direction: column;
    gap: 40px;
    align-items: stretch;
}

.partners-head {
    text-align: center;
    max-width: 640px;
    margin: 0 auto;
}

.partners-title {
    font-size: clamp(1.4rem, 3vw, 1.9rem);
    white-space: normal;
    margin-bottom: 10px !important;
}

.partners-note {
    color: var(--text-muted);
    font-size: 0.99rem;
    line-height: 1.6;
}

.partners-note strong {
    color: var(--gold);
    font-weight: 700;
}

.partners-explore {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    margin-top: 18px;
    padding: 11px 24px;
    border-radius: 999px;
    font-weight: 600;
    font-size: 0.97rem;
    color: var(--heading-color);
    background: var(--surface);
    border: 1.5px solid var(--surface-border);
    transition: transform 0.35s var(--ease-out), border-color 0.35s ease, box-shadow 0.35s var(--ease-out);
}

.partners-explore:hover {
    transform: translateY(-3px);
    border-color: var(--gold);
    box-shadow: 0 12px 26px -14px rgba(15, 44, 89, 0.6);
}

.partners-explore svg { transition: transform 0.3s var(--ease-out); }
.partners-explore:hover svg { transform: translateX(4px); }

/* --- Doska --- */
.rail-board {
    position: relative;
    overflow: hidden;
    border: 1px solid var(--surface-border);
    background: var(--surface);
}

/* Okraje sa strácajú do pozadia dosky */
.rail-board::before,
.rail-board::after {
    content: '';
    position: absolute;
    top: 0;
    bottom: 0;
    width: min(12%, 110px);
    z-index: 2;
    pointer-events: none;
}

.rail-board::before {
    left: 0;
    background: linear-gradient(90deg, var(--surface) 0%, rgba(255, 255, 255, 0) 100%);
}

.rail-board::after {
    right: 0;
    background: linear-gradient(270deg, var(--surface) 0%, rgba(255, 255, 255, 0) 100%);
}

body.dark-mode .rail-board::before {
    background: linear-gradient(90deg, var(--surface) 0%, rgba(16, 29, 56, 0) 100%);
}

body.dark-mode .rail-board::after {
    background: linear-gradient(270deg, var(--surface) 0%, rgba(16, 29, 56, 0) 100%);
}

/* --- Pásy --- */
.rail-track {
    display: flex;
    width: max-content;
    will-change: transform;
}

/* --- Karta --- */
.rail-card {
    --rail-rest: 176px;
    --rail-active: 194px;
    --tone: var(--gold);

    position: relative;
    flex: 0 0 var(--rail-rest);
    width: var(--rail-rest);
    min-height: 178px;
    padding: 20px 18px;
    border: 0;
    border-right: 1px solid var(--surface-border);
    background: none;
    font: inherit;
    color: var(--heading-color);
    text-align: center;
    cursor: pointer;
    overflow: hidden;
    appearance: none;
    transition: flex-basis 0.3s var(--ease-out), width 0.3s var(--ease-out);
}

.rail-card[data-tone='gold']   { --tone: #c5832b; }
.rail-card[data-tone='teal']   { --tone: #0d9488; }
.rail-card[data-tone='sky']    { --tone: #2563eb; }
.rail-card[data-tone='violet'] { --tone: #7c3aed; }

/* Farebné podfarbenie, ktoré sa rozsvieti zdola */
.rail-card::after {
    content: '';
    position: absolute;
    inset: auto 0 0;
    height: 64%;
    z-index: 0;
    opacity: 0;
    pointer-events: none;
    background: linear-gradient(
        0deg,
        color-mix(in srgb, var(--tone) 20%, transparent) 0%,
        color-mix(in srgb, var(--tone) 8%, transparent) 48%,
        transparent 100%
    );
    transition: opacity 0.34s ease;
}

/* Logo */
/* Okienko je blok, nie grid: percentualna vyska obrazka sa v grid bunke
   s automatickym riadkom vyhodnoti ako auto a logo potom pretekalo von.
   Vystredenie rieši object-fit na samotnom obrazku.

   Biela podložka: väčšina log má napečené biele pozadie a MetLife má
   čierny nápis. Na tmavej karte by prvé svietili ako sivé obdĺžniky
   a druhé by zmizlo. Na bielej podložke vyzerajú všetky tak, ako boli
   navrhnuté. Vo svetlom režime je podložka neviditeľná. */
.rail-card__logo {
    position: absolute;
    top: 46px;
    left: 50%;
    transform: translateX(-50%);
    z-index: 1;
    display: block;
    width: 120px;
    height: 62px;
    padding: 7px 10px;
    border-radius: 12px;
    background: #ffffff;
    /* Zaoblenie samo o sebe obsah neoreže — border-radius clipuje len
       pozadie prvku, nie jeho deti. Bez tohto by biele pozadie loga
       zarovnalo rohy do štvorca. */
    overflow: hidden;
    transition: top 0.28s var(--ease-out), transform 0.28s var(--ease-out), box-shadow 0.28s var(--ease-out);
}

body.dark-mode .rail-card__logo {
    box-shadow: 0 2px 10px -4px rgba(0, 0, 0, 0.6);
}

.rail-card__logo img {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: contain;
    transform: scale(var(--logo-scale, 1));
    filter: grayscale(100%);
    opacity: 0.78;
    transition: filter 0.45s ease, opacity 0.45s ease;
}

/* Názov */
.rail-card__name {
    position: absolute;
    top: 128px;
    left: 12px;
    right: 12px;
    z-index: 1;
    font-family: 'Montserrat', sans-serif;
    font-size: 0.98rem;
    font-weight: 700;
    line-height: 1.22;
    color: var(--text-muted);
    transition: top 0.28s var(--ease-out), color 0.4s ease;
}

/* Aktívny stav — myš, klávesnica aj dotyk */
.rail-card:hover,
.rail-card:focus-visible,
.rail-card.is-active {
    flex-basis: var(--rail-active);
    width: var(--rail-active);
    outline: none;
}

.rail-card:hover::after,
.rail-card:focus-visible::after,
.rail-card.is-active::after { opacity: 1; }

.rail-card:hover .rail-card__logo,
.rail-card:focus-visible .rail-card__logo,
.rail-card.is-active .rail-card__logo { top: 36px; }

.rail-card:hover .rail-card__logo img,
.rail-card:focus-visible .rail-card__logo img,
.rail-card.is-active .rail-card__logo img {
    filter: grayscale(0%);
    opacity: 1;
}

.rail-card:hover .rail-card__name,
.rail-card:focus-visible .rail-card__name,
.rail-card.is-active .rail-card__name {
    top: 120px;
    color: var(--heading-color);
}

.rail-card:focus-visible {
    box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--tone) 70%, transparent);
}


/* --- Pravítko medzi pásmi --- */
.rail-scrubber {
    position: relative;
    z-index: 1;
    cursor: grab;
    /* Vodorovné gesto si berie skript na posun pásov, zvislé zostáva
       prehliadaču na scrollovanie stránky. */
    touch-action: pan-y;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 2px;
    height: 34px;
    padding: 0 18px;
    border-top: 1px solid var(--surface-border);
    border-bottom: 1px solid var(--surface-border);
    background: var(--section-alt-bg);
    overflow: hidden;
}

.rail-scrubber span {
    flex: 1 1 auto;
    max-width: 1px;
    height: 9px;
    background: var(--surface-border);
    transition: height 0.22s var(--ease-out), background-color 0.22s ease;
}

.rail-scrubber span.major { height: 15px; }

.rail-scrubber span.near {
    height: 15px;
    background: color-mix(in srgb, var(--gold) 55%, var(--surface-border));
}

.rail-scrubber span.on {
    height: 21px;
    background: var(--gold);
}

.rail-scrubber.is-dragging {
    cursor: grabbing;
    touch-action: none;
}

/* Pri ťahaní sa rysky mierne zvýraznia, nech je jasné, že prvok reaguje */
.rail-scrubber.is-dragging span.on { height: 24px; }
.rail-scrubber.is-dragging span.near { height: 18px; }

/* ------------------------------------------------------------------
   17. Recenzie
   ------------------------------------------------------------------ */
#recenzie {
    padding: 100px 20px;
}

.reviews-head {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 54px;
}

.reviews-carousel {
    mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
}

.reviews-track { gap: 26px; }

.review-item {
    position: relative;
    display: flex;
    flex-direction: column;
    text-align: left;
    padding: 38px 36px 32px;
    border-radius: 26px;
    background: var(--surface);
    border: 1px solid var(--surface-border);
    box-shadow: 0 26px 54px -40px rgba(15, 44, 89, 0.7);
    overflow: hidden;
    transition: transform 0.5s var(--ease-out), box-shadow 0.5s var(--ease-out), border-color 0.5s ease;
}

/* Veľká dekoratívna úvodzovka */
.review-item::before {
    content: '\201C';
    position: absolute;
    top: -26px;
    right: 18px;
    font-family: Georgia, 'Times New Roman', serif;
    font-size: 9rem;
    line-height: 1;
    background: var(--grad-gold);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    opacity: 0.16;
    pointer-events: none;
}

.review-item:hover {
    transform: translateY(-7px);
    border-color: rgba(197, 131, 43, 0.4);
    box-shadow: 0 36px 66px -38px rgba(15, 44, 89, 0.8);
}

.review-item .stars {
    font-size: 1.06rem;
    letter-spacing: 3px;
    margin-bottom: 18px;
    color: var(--gold);
}

.review-item p {
    flex: 1;
    font-size: 1.06rem;
    line-height: 1.78;
    color: var(--text-color);
    margin: 0;
}

/* Pätička s iniciálami a menom */
.review-foot {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-top: 26px;
    padding-top: 22px;
    border-top: 1px solid var(--surface-border);
}

.review-avatar {
    flex: none;
    display: grid;
    place-items: center;
    width: 46px;
    height: 46px;
    border-radius: 50%;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 0.95rem;
    letter-spacing: 0.5px;
    color: #ffffff;
    background: var(--avatar-grad, var(--grad-gold));
}

.review-item h4 {
    margin: 0;
    font-family: 'Montserrat', sans-serif;
    font-size: 1.02rem;
    font-weight: 700;
    color: var(--heading-color);
}

.review-role {
    display: block;
    margin-top: 2px;
    font-size: 0.85rem;
    font-weight: 500;
    color: var(--text-muted);
}

/* Tlačidlo pod recenziami (pôvodné .btn-secondary zo style.css) */
.reviews-cta .btn-secondary {
    background: var(--surface);
    border: 1.5px solid var(--surface-border);
    padding: 14px 30px;
}

.reviews-cta .btn-secondary:hover {
    border-color: var(--gold);
    color: var(--gold);
    transform: translateY(-2px);
}

/* ------------------------------------------------------------------
   18. Kontakt
   ------------------------------------------------------------------ */
#kontakt {
    padding: 104px 20px;
}

.contact-container {
    /* formulár dostane širší stĺpec, inak sú polia v dvoch stĺpcoch pritesné */
    grid-template-columns: 0.85fr 1.15fr;
    gap: 64px;
    align-items: start;
}

.contact-details h2 {
    font-size: clamp(1.9rem, 4vw, 2.7rem);
    line-height: 1.12;
}

.contact-lede {
    color: var(--text-muted);
    font-size: 1.06rem;
    line-height: 1.7;
    margin-bottom: 34px !important;
}

/* Kontaktné údaje ako karty s ikonou */
.contact-info-items {
    display: grid;
    gap: 14px;
    margin-bottom: 30px;
}

.contact-row {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 18px 20px;
    border-radius: 18px;
    background: var(--surface);
    border: 1px solid var(--surface-border);
    transition: transform 0.4s var(--ease-out), border-color 0.4s ease, box-shadow 0.4s var(--ease-out);
}

.contact-row:hover {
    transform: translateX(6px);
    border-color: rgba(197, 131, 43, 0.45);
    box-shadow: 0 20px 40px -32px rgba(15, 44, 89, 0.7);
}

.contact-row__icon {
    flex: none;
    display: grid;
    place-items: center;
    width: 46px;
    height: 46px;
    border-radius: 14px;
    color: #ffffff;
    background: var(--row-grad, var(--grad-gold));
}

.contact-row:nth-child(1) { --row-grad: var(--grad-gold); }
.contact-row:nth-child(2) { --row-grad: var(--grad-teal); }
.contact-row:nth-child(3) { --row-grad: var(--grad-sky); }

.contact-row__label {
    display: block;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 4px;
}

.contact-row__value {
    font-size: 1.04rem;
    font-weight: 600;
    color: var(--heading-color);
    line-height: 1.45;
}

.contact-row__value a {
    color: inherit;
    text-decoration: none;
    transition: color 0.3s ease;
}

.contact-row__value a:hover { color: var(--gold); }

.contact-row__value .sep {
    color: var(--surface-border);
    margin: 0 6px;
}

/* Rýchle akcie */
.contact-quick {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

.contact-quick a {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    padding: 13px 24px;
    border-radius: 999px;
    font-weight: 600;
    font-size: 0.98rem;
    transition: transform 0.35s var(--ease-out), box-shadow 0.35s var(--ease-out);
}

.contact-quick .is-call {
    color: #0f172a;
    background: var(--grad-gold);
    box-shadow: 0 14px 30px -16px rgba(197, 131, 43, 0.9);
}

.contact-quick .is-mail {
    color: var(--heading-color);
    background: var(--surface);
    border: 1.5px solid var(--surface-border);
}

.contact-quick a:hover { transform: translateY(-3px); }

/* --- Formulár --- */
.contact-form-wrapper {
    padding: 40px 38px;
    border-radius: 28px;
    border: 1px solid var(--surface-border);
    background: var(--surface);
    overflow: hidden;
}

/* farebná linka po vrchu karty */
.contact-form-wrapper::after {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--gold), var(--teal), var(--sky));
}

.form-intro {
    font-size: 1rem;
    margin-bottom: 26px;
}

/* Krátke polia vedľa seba, dlhé cez celú šírku */
.contact-form {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0 20px;
}

.contact-form > .form-intro,
.contact-form > .form-group--wide,
.contact-form > .form-consent,
.contact-form > button,
.contact-form > .form-note,
.contact-form > .form-status {
    grid-column: 1 / -1;
}

.form-group { margin-bottom: 22px; }

.form-group label {
    font-size: 0.92rem;
    letter-spacing: 0.01em;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
    border-radius: 12px;
    border: 1.5px solid var(--surface-border);
    padding: 12px 16px;
    transition: border-color 0.3s ease, box-shadow 0.3s ease, background-color 0.3s ease;
}

.contact-form input,
.contact-form select { height: 54px; }

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
    outline: none;
    border-color: var(--gold);
    box-shadow: 0 0 0 4px rgba(197, 131, 43, 0.16);
}

.form-consent {
    align-items: flex-start;
    gap: 12px;
    padding: 18px 20px;
    border-radius: 16px;
    background: var(--surface-ring);
    border: 1px solid var(--surface-border);
    margin-bottom: 24px;
}

.contact-form .btn-primary.full-width {
    width: 100%;
    justify-content: center;
    padding: 18px 34px;
    font-size: 1.06rem;
}

/* Riadok s uistením pod tlačidlom */
.form-assurance {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px 22px;
    margin-top: 22px;
    grid-column: 1 / -1;
}

.form-assurance span {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    font-size: 0.88rem;
    color: var(--text-muted);
}

.form-assurance svg { color: var(--teal); flex: none; }

/* ------------------------------------------------------------------
   19. Responzivita pre nové časti
   ------------------------------------------------------------------ */
@media (max-width: 900px) {
    .contact-container { grid-template-columns: 1fr; gap: 44px; }
}

@media (max-width: 768px) {
    #hero { padding-top: 54px; }

    /* Prepínač témy mal 38 px, čo je pod odporúčanou veľkosťou
       dotykového cieľa (44 px). Ikona zostáva rovnaká. */
    .theme-toggle-btn {
        width: 44px;
        height: 44px;
        justify-content: center;
    }

    /* Užšie karty, nech sa ich na displej zmestí viac ako dve */
    .rail-card { --rail-rest: 142px; --rail-active: 158px; }
    .rail-scrubber { height: 42px; }
    .rail-card__logo { width: 100px; height: 56px; padding: 6px 8px; }
    .rail-board::before,
    .rail-board::after { width: min(8%, 56px); }
    .rail-scrubber { padding: 0 10px; }

    .contact-form { grid-template-columns: 1fr; }
    .contact-form-wrapper { padding: 30px 22px; }
    .review-item { padding: 30px 26px 26px; }
    .review-item::before { font-size: 7rem; top: -18px; }
    #recenzie, #kontakt { padding: 74px 20px; }
    .contact-quick a { flex: 1 1 100%; justify-content: center; }
}

/* ------------------------------------------------------------------
   20. Obmedzený pohyb
   ------------------------------------------------------------------ */
@media (prefers-reduced-motion: reduce) {
    .hero-badge__radar::before,
    .hero-badge__radar i {
        animation: none !important;
    }

    /* Pásy sa pri obmedzenom pohybe nehýbu vôbec — rieši to enhance.js,
       ktorý animačnú slučku ani nespustí. */
    .rail-card:hover,
    .rail-card:focus-visible {
        flex-basis: var(--rail-rest);
        width: var(--rail-rest);
    }

    .hero-badge__radar i { opacity: 0.4; transform: scale(1); }

    .review-item:hover,
    .contact-row:hover,
    .contact-quick a:hover {
        transform: none;
    }
}

/* =====================================================================
   21. Podstránka s prehľadom poisťovní (poistovne.html)
   ===================================================================== */
.insurers-section {
    max-width: 100%;
    padding: 84px 20px 110px;
}

.insurers-head {
    max-width: 760px;
    margin: 0 auto 54px;
    text-align: center;
}

.insurers-head h2 {
    font-size: clamp(1.9rem, 4.4vw, 2.9rem);
    line-height: 1.14;
    margin-bottom: 20px;
}

.insurers-head p {
    color: var(--text-muted);
    font-size: 1.06rem;
    line-height: 1.72;
}

/* Mriežka kariet s vlasovými deliacimi čiarami.
   Čiary kreslí každá karta vpravo a dole; vnútorný obal je o 1 px
   posunutý von, takže rám ich po obvode oreže. Vďaka tomu to sedí
   pri akomkoľvek počte kariet — aj keď posledný riadok nie je plný. */
.insurers-grid {
    max-width: 1200px;
    margin: 0 auto;
    border: 1px solid var(--surface-border);
    border-radius: 20px;
    overflow: hidden;
    background: var(--surface);
}

.insurers-grid__inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    margin: 0 -1px -1px 0;
}

.insurer-card {
    position: relative;
    display: flex;
    flex-direction: column;
    gap: 18px;
    padding: 30px 26px 28px;
    border-right: 1px solid var(--surface-border);
    border-bottom: 1px solid var(--surface-border);
    color: inherit;
    text-decoration: none;
    overflow: hidden;
    transition: background-color 0.35s ease;
}

/* Farebné podfarbenie zdola, rovnaké ako na railboarde */
.insurer-card::after {
    content: '';
    position: absolute;
    inset: auto 0 0;
    height: 60%;
    z-index: 0;
    opacity: 0;
    pointer-events: none;
    background: linear-gradient(
        0deg,
        color-mix(in srgb, var(--tone) 18%, transparent) 0%,
        color-mix(in srgb, var(--tone) 7%, transparent) 48%,
        transparent 100%
    );
    transition: opacity 0.35s ease;
}

.insurer-card:hover::after,
.insurer-card:focus-visible::after { opacity: 1; }

.insurer-card:focus-visible {
    outline: 2px solid var(--tone);
    outline-offset: -3px;
}

/* Logo na bielej podložke — v plnej farbe a ostré, žiadne stlmenie */
.insurer-card__logo {
    position: relative;
    z-index: 1;
    display: block;
    width: 152px;
    /* Vyššia podložka: široké logá sú aj tak obmedzené šírkou, ale
       štvorcové (ČSOB, Uniqa) tým dostanú viac miesta a plochou sa
       priblížia ostatným. */
    height: 84px;
    /* podložka má pevnú šírku, takže by v stĺpcovom flexe sadla doľava */
    margin-left: auto;
    margin-right: auto;
    padding: 5px 7px;
    border-radius: 12px;
    background: #ffffff;
    overflow: hidden;
    transition: transform 0.4s var(--ease-out), box-shadow 0.4s var(--ease-out);
}

body.dark-mode .insurer-card__logo {
    box-shadow: 0 3px 12px -5px rgba(0, 0, 0, 0.7);
}


.insurer-card__logo img {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: contain;
    /* object-fit už každé logo v okienku maximalizuje; tie, ktoré aj tak
       vychádzajú opticky drobné, doladíme násobkom. Rezerva je v odsadení
       podložky, takže logo z nej nevytrčí. */
    transform: scale(var(--logo-scale, 1));
}

.insurer-card:hover .insurer-card__logo {
    transform: translateY(-3px);
    box-shadow: 0 14px 28px -16px rgba(15, 44, 89, 0.55);
}

.insurer-card__body {
    position: relative;
    z-index: 1;
    display: block;
}

.insurer-card__name {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    font-family: 'Montserrat', sans-serif;
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--heading-color);
    margin-bottom: 8px;
}

.insurer-card__name svg {
    opacity: 0;
    transform: translate(-3px, 3px);
    transition: opacity 0.3s ease, transform 0.3s var(--ease-out);
    color: var(--tone);
}

.insurer-card:hover .insurer-card__name svg,
.insurer-card:focus-visible .insurer-card__name svg {
    opacity: 1;
    transform: none;
}

.insurer-card__desc {
    display: block;
    font-size: 0.95rem;
    line-height: 1.6;
    color: var(--text-muted);
}

.insurers-cta {
    max-width: 620px;
    margin: 56px auto 0;
    text-align: center;
}

.insurers-cta p {
    color: var(--text-muted);
    font-size: 1.04rem;
    margin-bottom: 22px;
}

.insurer-back {
    display: inline-flex;
    align-items: center;
    padding: 11px 22px;
    border-radius: 999px;
    font-size: 0.94rem;
    font-weight: 600;
    color: var(--heading-color);
    background: var(--surface);
    border: 1.5px solid var(--surface-border);
    transition: border-color 0.3s ease, transform 0.3s var(--ease-out);
}

.insurer-back:hover {
    border-color: var(--gold);
    transform: translateY(-2px);
}

@media (max-width: 1024px) {
    .insurers-grid__inner { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 620px) {
    .insurers-grid__inner { grid-template-columns: 1fr; }
    .insurers-section { padding: 60px 20px 80px; }
    .insurer-back { display: none; }
}

@media (prefers-reduced-motion: reduce) {
    .insurer-card:hover .insurer-card__logo,
    .insurer-back:hover { transform: none; }
}

/* =====================================================================
   22. Mobil — zhustenie
   Na malom displeji boli sekcie aj karty rovnako velkorysé ako na
   monitore, čo znamenalo veľa zbytočného scrollovania. Tu sa všetko
   sťahuje; na počítači zostáva pôvodné rozloženie nedotknuté.
   ===================================================================== */
@media (max-width: 768px) {
    /* --- Sekcie --- */
    #hero { padding: 40px 16px 52px; }
    #vyhody,
    #sluzby,
    #postup,
    #faq,
    #recenzie,
    #zaver { padding: 54px 16px; }
    #kontakt { padding: 54px 16px 60px; }
    #o-mne { padding: 46px 16px; }
    #partneri { padding: 46px 0; }

    /* --- Nadpisy --- */
    h2 { font-size: 1.55rem; margin-bottom: 1.5rem; }
    h2::after { width: 48px; height: 3px; }
    .section-header,
    .partners-head,
    .reviews-head { margin-bottom: 30px; }
    .section-subtitle { font-size: 0.68rem; padding: 5px 12px; letter-spacing: 1.6px; }

    /* --- Hero --- */
    .hero-badge {
        font-size: 0.74rem;
        padding: 6px 14px 6px 7px;
        gap: 9px;
        margin-bottom: 22px;
    }
    .hero-badge__radar { width: 24px; height: 24px; }
    #hero h1 { font-size: clamp(1.85rem, 8vw, 2.3rem); margin-bottom: 1rem; }
    #hero p { font-size: 0.98rem; margin-bottom: 1.7rem; }
    .hero-actions { gap: 10px; margin-bottom: 34px; }
    .hero-actions .btn-primary,
    .hero-actions .btn-secondary { padding: 13px 24px; font-size: 0.97rem; }

    .hero-stats { gap: 10px; }
    .hero-stat { padding: 16px 18px; border-radius: 16px; }
    .hero-stat__value { font-size: 1.75rem; }
    .hero-stat__label { font-size: 0.84rem; margin-top: 5px; }

    /* --- Karty --- */
    .benefit-item,
    .service-item,
    .step-item {
        padding: 22px 18px;
        border-radius: 18px;
    }
    .benefits-grid,
    .services-grid,
    .steps-grid { gap: 14px; }

    .benefit-icon,
    .service-icon {
        width: 44px;
        height: 44px;
        border-radius: 13px;
        margin-bottom: 14px;
    }
    .benefit-icon svg,
    .service-icon svg { width: 22px; height: 22px; }

    .benefit-item h3,
    .service-item h3,
    .step-item h3 { font-size: 1.08rem; margin-bottom: 8px; }
    .benefit-item p,
    .service-item p,
    .step-item p { font-size: 0.92rem; line-height: 1.6; }

    .step-number { width: 40px; height: 40px; border-radius: 12px; font-size: 1.05rem; margin-bottom: 13px; }
    .service-tags { margin-top: 13px; gap: 6px; }
    .service-tags span { font-size: 0.75rem; padding: 4px 10px; }

    .cennik-wrapper { margin-top: 32px; padding: 24px 18px; border-radius: 18px; }
    .price-subtitle { font-size: 1rem; }
    .legal-text { font-size: 0.85rem; line-height: 1.6; }

    /* --- Recenzie --- */
    .reviews-track { gap: 14px; }
    .review-item { padding: 22px 18px 18px; border-radius: 18px; }
    .review-item::before { font-size: 5.5rem; top: -12px; right: 10px; }
    .review-item .stars { font-size: 0.95rem; margin-bottom: 12px; }
    .review-item p { font-size: 0.95rem; line-height: 1.62; }
    .review-foot { margin-top: 16px; padding-top: 14px; gap: 11px; }
    .review-avatar { width: 38px; height: 38px; font-size: 0.85rem; }
    .review-item h4 { font-size: 0.94rem; }
    .reviews-cta { margin-top: 22px; }

    /* --- FAQ --- */
    #faq details { margin-bottom: 9px; border-radius: 14px; }
    #faq summary { padding: 15px 16px; font-size: 0.97rem; gap: 12px; }
    #faq details p { padding: 0 16px 17px; font-size: 0.92rem; line-height: 1.6; }
    .faq-icon { width: 20px; height: 20px; }
    .faq-icon svg { width: 14px; height: 14px; }

    /* --- Kontakt --- */
    .contact-container { gap: 26px; }
    .contact-lede { font-size: 0.96rem; margin-bottom: 20px !important; }
    .contact-info-items { gap: 9px; margin-bottom: 20px; }
    .contact-row { padding: 13px 14px; gap: 12px; border-radius: 14px; }
    .contact-row__icon { width: 38px; height: 38px; border-radius: 11px; }
    .contact-row__icon svg { width: 17px; height: 17px; }
    .contact-row__label { font-size: 0.68rem; margin-bottom: 2px; }
    .contact-row__value { font-size: 0.94rem; }
    .contact-quick a { padding: 11px 20px; font-size: 0.92rem; }

    .contact-form-wrapper { padding: 22px 16px; border-radius: 20px; }
    .form-intro { font-size: 0.9rem; margin-bottom: 16px; }
    .form-group { margin-bottom: 14px; }
    .form-group label { font-size: 0.86rem; margin-bottom: 5px; }
    /* 16 px zostáva — pod ňou iOS pri kliknutí do poľa priblíži stránku */
    .contact-form input,
    .contact-form select { height: 46px; }
    .contact-form textarea { min-height: 88px; }
    .form-consent { padding: 13px 14px; margin-bottom: 16px; border-radius: 13px; }
    .form-consent label { font-size: 0.85rem; line-height: 1.5; }
    .contact-form .btn-primary.full-width { padding: 14px 24px; font-size: 0.99rem; }
    .form-assurance { margin-top: 15px; gap: 7px 16px; }
    .form-assurance span { font-size: 0.8rem; }
    .form-note { font-size: 0.8rem; line-height: 1.5; }

    /* --- Railboard --- */
    .rail-card { --rail-rest: 124px; --rail-active: 138px; min-height: 152px; padding: 14px 12px; }
    .rail-card__logo { top: 34px; width: 92px; height: 48px; padding: 5px 7px; border-radius: 10px; }
    .rail-card:hover .rail-card__logo,
    .rail-card:focus-visible .rail-card__logo,
    .rail-card.is-active .rail-card__logo { top: 26px; }
    .rail-card__name { top: 106px; font-size: 0.86rem; }
    .rail-card:hover .rail-card__name,
    .rail-card:focus-visible .rail-card__name,
    .rail-card.is-active .rail-card__name { top: 98px; }
    .partners-note { font-size: 0.92rem; }
    .partners-explore { margin-top: 14px; padding: 10px 20px; font-size: 0.92rem; }

    /* --- Postup: menšie odsadenie zľava --- */
    .m-steps { padding-left: 54px; }
}

/* ------------------------------------------------------------------
   22b. Prehľad poisťovní — dva stĺpce aj na telefóne
   ------------------------------------------------------------------ */
@media (max-width: 1024px) {
    .insurers-grid__inner { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
    .insurers-section { padding: 46px 16px 64px; }
    .insurers-head { margin-bottom: 26px; }
    .insurers-head h2 { font-size: 1.5rem; margin-bottom: 12px; }
    .insurers-head p { font-size: 0.92rem; line-height: 1.6; }

    .insurers-grid { border-radius: 16px; }
    .insurer-card { padding: 16px 12px 14px; gap: 11px; }

    .insurer-card__logo {
        width: 100%;
        max-width: 116px;
        height: 52px;
        margin-left: auto;
        margin-right: auto;
        padding: 5px 7px;
        border-radius: 9px;
    }

    .insurer-card__name { font-size: 0.93rem; margin-bottom: 5px; gap: 5px; }
    .insurer-card__name svg { width: 12px; height: 12px; }
    .insurer-card__desc { font-size: 0.79rem; line-height: 1.45; }

    .insurers-cta { margin-top: 30px; }
    .insurers-cta p { font-size: 0.93rem; margin-bottom: 16px; }
}

/* Jeden stĺpec až na naozaj úzkych displejoch */
@media (max-width: 359px) {
    .insurers-grid__inner { grid-template-columns: 1fr; }
}

/* ------------------------------------------------------------------
   23. Optické dorovnanie veľkosti log
   object-fit každé logo v okienku maximalizuje, ale štvorcové značky
   (ČSOB, Uniqa) obmedzuje výška a veľmi široké (Allianz, Colonnade)
   šírka — vychádzajú preto opticky menšie ako zvyšok. Tieto im pridajú.
   Rast ide do odsadenia podložky, takže z nej nič nevytrčí.
   ------------------------------------------------------------------ */
[data-name='ČSOB'],
[data-name='Uniqa'],
[data-name='Allianz'],
[data-name='Colonnade'],
[data-name='Genertel'] { --logo-scale: 1.1; }

[data-name='Generali'],
[data-name='Wüstenrot'] { --logo-scale: 1.05; }

/* =====================================================================
   24. Online poistenie
   ===================================================================== */
#online-poistenie {
    max-width: 100%;
    padding: 100px 20px;
}

.online-lede {
    max-width: 620px;
    margin: 18px auto 0;
    color: var(--text-muted);
    font-size: 1.06rem;
    line-height: 1.7;
}

.online-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
    max-width: 1000px;
    margin: 0 auto;
}

.online-card {
    padding: 30px 26px;
    border-radius: 22px;
    background: var(--surface);
    border: 1px solid var(--surface-border);
    box-shadow: 0 20px 44px -34px rgba(15, 44, 89, 0.6);
    transition: transform 0.45s var(--ease-out), box-shadow 0.45s var(--ease-out);
}

.online-card:hover {
    transform: translateY(-7px);
    box-shadow: 0 30px 56px -32px rgba(15, 44, 89, 0.7);
}

.online-card__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 54px;
    height: 54px;
    border-radius: 16px;
    color: #ffffff;
    margin-bottom: 18px;
    background: var(--grad-teal);
}

.online-card:nth-child(2) .online-card__icon { background: var(--grad-sky); }
.online-card:nth-child(3) .online-card__icon { background: var(--grad-gold); }

.online-card h3 {
    font-size: 1.16rem;
    margin-bottom: 9px;
    color: var(--heading-color);
}

.online-card p {
    color: var(--text-muted);
    font-size: 0.97rem;
    line-height: 1.62;
}

/* Miesto pre kalkulačku */
.online-embed {
    max-width: 1000px;
    margin: 40px auto 0;
    border-radius: 22px;
    overflow: hidden;
    background: var(--surface);
    border: 1px solid var(--surface-border);
}

.online-embed:empty { display: none; }

.online-embed .__bpo,
.online-embed iframe {
    display: block;
    width: 100%;
    border: 0;
}

.online-fallback {
    text-align: center;
    margin-top: 40px;
}

.online-note {
    margin-top: 14px;
    font-size: 0.88rem;
    color: var(--text-muted);
}

@media (max-width: 900px) {
    .online-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    #online-poistenie { padding: 54px 16px; }
    .online-lede { font-size: 0.96rem; margin-top: 14px; }
    .online-grid { gap: 14px; }
    .online-card { padding: 22px 18px; border-radius: 18px; }
    .online-card__icon { width: 44px; height: 44px; border-radius: 13px; margin-bottom: 14px; }
    .online-card__icon svg { width: 22px; height: 22px; }
    .online-card h3 { font-size: 1.05rem; }
    .online-card p { font-size: 0.92rem; }
    .online-embed { margin-top: 26px; border-radius: 16px; }
    .online-fallback { margin-top: 26px; }
}

@media (prefers-reduced-motion: reduce) {
    .online-card:hover { transform: none; }
}