/* ============================================================
   Porovnaj Poisťovne — styles (v2: flat, no shadows, wider)
   Paleta: fialovo-indigová (Committed), koral = urgencia
   Fonty: Bricolage Grotesque (display) + Hanken Grotesk (text)
   ============================================================ */

:root {
  /* color */
  --bg: oklch(1 0 0);
  --surface: oklch(0.974 0.006 285);
  --surface-2: oklch(0.955 0.010 285);
  --ink: oklch(0.23 0.03 285);
  --muted: oklch(0.46 0.03 285);
  --line: oklch(0.90 0.012 285);
  --line-subtle: oklch(0.945 0.008 285);
  --line-strong: oklch(0.82 0.015 285);

  --primary: oklch(0.49 0.19 280);
  --primary-strong: oklch(0.42 0.18 280);
  --primary-50: oklch(0.965 0.022 285);
  --primary-100: oklch(0.92 0.045 285);
  --on-primary: oklch(0.99 0.005 285);

  --accent: oklch(0.66 0.18 24);
  --accent-strong: oklch(0.55 0.17 24);
  /* presné brandové farby poisťovní */
  --vszp: #00928F; --vszp-strong: #007a77;
  --dovera: #F89B20; --dovera-strong: #e2860c;
  --union: #82BA26; --union-strong: #6fa01f;

  /* type */
  --font-display: "Bricolage Grotesque", system-ui, sans-serif;
  --font-body: "Hanken Grotesk", system-ui, sans-serif;
  --fs-xs: 0.8rem;
  --fs-sm: 0.9rem;
  --fs-base: clamp(1rem, 0.96rem + 0.2vw, 1.0625rem);
  --fs-lg: clamp(1.125rem, 1.06rem + 0.35vw, 1.25rem);
  --fs-xl: clamp(1.35rem, 1.2rem + 0.7vw, 1.6rem);
  --fs-2xl: clamp(1.7rem, 1.4rem + 1.4vw, 2.25rem);
  --fs-3xl: clamp(2.1rem, 1.6rem + 2.4vw, 3rem);
  --fs-hero: clamp(2.4rem, 1.7rem + 3.2vw, 4.1rem);

  /* space */
  --container: 1400px;
  --gap: clamp(1rem, 0.6rem + 1.6vw, 1.75rem);
  --section-y: clamp(3.5rem, 2.4rem + 4vw, 6rem);
  --header-h: 76px;

  /* shape */
  --r-sm: 9px;
  --r-md: 14px;
  --r-lg: 22px;
  --r-xl: 30px;

  --z-header: 100;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  font-family: var(--font-body);
  font-size: var(--fs-base);
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
button, input { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--primary); outline-offset: 2px; border-radius: 4px; }

h1, h2, h3 { font-family: var(--font-display); font-weight: 700; line-height: 1.08; letter-spacing: -0.02em; text-wrap: balance; }
p { text-wrap: pretty; }

.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: clamp(1.1rem, 0.4rem + 2.6vw, 2.25rem); }

.skip-link { position: absolute; left: 1rem; top: -3.5rem; background: var(--primary); color: var(--on-primary); padding: 0.6rem 1rem; border-radius: var(--r-sm); z-index: 200; transition: top 0.2s var(--ease); }
.skip-link:focus { top: 1rem; }

/* ---------- buttons ---------- */
.btn {
  --btn-bg: var(--primary); --btn-fg: var(--on-primary);
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  padding: 0.72rem 1.25rem;
  font-family: var(--font-body); font-weight: 600; font-size: var(--fs-sm);
  line-height: 1; text-decoration: none; white-space: nowrap;
  background: var(--btn-bg); color: var(--btn-fg);
  border: 1.5px solid transparent; border-radius: var(--r-md);
  cursor: pointer;
  transition: transform 0.18s var(--ease), background 0.18s var(--ease), border-color 0.18s var(--ease), color 0.18s var(--ease);
}
.btn:hover { transform: translateY(-2px) scale(1.02); }
.btn:active { transform: translateY(0) scale(0.98); }
.btn-primary { background: var(--primary); color: var(--on-primary); }
.btn-primary:hover { background: var(--primary-strong); }
.btn-outline { background: transparent; color: var(--primary); border-color: var(--line-strong); }
.btn-outline:hover { border-color: var(--primary); background: var(--primary-50); }
.btn-ghost { background: transparent; color: var(--ink); }
.btn-ghost:hover { background: var(--surface-2); }
.btn-ghost-light { background: transparent; color: var(--on-primary); border-color: oklch(1 0 0 / 0.55); }
.btn-ghost-light:hover { background: oklch(1 0 0 / 0.14); }
.btn-link { background: transparent; color: var(--primary); border: none; font-weight: 700; padding: 0.4rem 0.4rem; }
.btn-link:hover { color: var(--primary-strong); text-decoration: underline; text-underline-offset: 4px; transform: none; }
.btn-lg { padding: 0.95rem 1.6rem; font-size: var(--fs-base); }
.btn-xl { padding: 1.05rem 2rem; font-size: var(--fs-base); font-weight: 700; border-radius: var(--r-md); }
.btn-link.btn-xl { padding: 0.5rem 0.5rem; }
.btn-sm { padding: 0.6rem 0.95rem; font-size: var(--fs-xs); }
.btn-block { display: flex; width: 100%; }
.btn-arrow { width: 1.15em; height: 1.15em; flex: none; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; transition: transform 0.2s var(--ease); }
.btn:hover .btn-arrow { transform: translateX(3px); }
/* affiliate tlačidlá vo farbe poisťovne */
.btn[data-aff="vszp"] { background: var(--vszp); color: #fff; }
.btn[data-aff="vszp"]:hover { background: var(--vszp-strong); }
.btn[data-aff="dovera"] { background: var(--dovera); color: var(--ink); }
.btn[data-aff="dovera"]:hover { background: var(--dovera-strong); }
.btn[data-aff="union"] { background: var(--union); color: var(--ink); }
.btn[data-aff="union"]:hover { background: var(--union-strong); }

.ic { width: 1.1em; height: 1.1em; flex: none; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- header / navbar ---------- */
.site-header {
  position: sticky; top: 0; z-index: var(--z-header);
  background: oklch(1 0 0 / 0.88);
  backdrop-filter: saturate(1.4) blur(12px);
  border-bottom: 1px solid var(--line);
  transition: border-color 0.25s var(--ease);
}
.site-header.scrolled { border-bottom-color: var(--line-strong); }
.header-inner { display: flex; align-items: center; gap: 1.25rem; height: var(--header-h); }
.brand { display: inline-flex; align-items: center; gap: 0.6rem; text-decoration: none; font-family: var(--font-display); font-weight: 800; font-size: 1.3rem; color: var(--ink); letter-spacing: -0.03em; }
.brand-mark { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 11px; background: var(--primary); color: var(--on-primary); }
.brand-name-accent { color: var(--primary); }

.nav-menu { display: flex; align-items: center; gap: 2rem; margin-left: auto; }
.main-nav { display: flex; align-items: center; gap: 1.75rem; }
.main-nav > a, .nav-mega-trigger { text-decoration: none; color: var(--ink); font-weight: 600; font-size: var(--fs-sm); padding: 0.55rem 0.85rem; border-radius: 10px; transition: color 0.15s var(--ease), background 0.15s var(--ease); }
.main-nav > a:hover, .nav-mega-trigger:hover { color: var(--primary); background: var(--primary-50); }
.nav-cta { padding-inline: 1.15rem; }

.nav-toggle { display: none; margin-left: auto; width: 44px; height: 44px; align-items: center; justify-content: center; background: transparent; border: 1.5px solid var(--line); border-radius: var(--r-sm); cursor: pointer; }
.nav-toggle-box { display: grid; gap: 5px; width: 22px; }
.nav-toggle-box span { height: 2px; width: 100%; background: var(--ink); border-radius: 2px; transition: transform 0.25s var(--ease), opacity 0.2s var(--ease); }
.site-header.nav-open .nav-toggle-box span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.site-header.nav-open .nav-toggle-box span:nth-child(2) { opacity: 0; }
.site-header.nav-open .nav-toggle-box span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- mega menu (Top benefity) ---------- */
.nav-item--mega { display: flex; align-items: center; }
.nav-mega-trigger { display: inline-flex; align-items: center; gap: 0.35rem; }
.nav-chev { width: 0.9em; height: 0.9em; fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; transition: transform 0.2s var(--ease); }
.nav-item--mega.is-open .nav-chev, .nav-item--mega:focus-within .nav-chev { transform: rotate(180deg); }
.mega-panel {
  position: absolute; top: calc(100% + 12px); left: 50%; transform: translateX(-50%) translateY(6px);
  width: min(840px, calc(100vw - 2rem));
  background: var(--bg); border: 1.5px solid var(--line); border-radius: var(--r-lg);
  padding: 1.2rem; z-index: 90;
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity 0.2s var(--ease), transform 0.2s var(--ease);
}
.nav-item--mega.is-open .mega-panel, .nav-item--mega:focus-within .mega-panel { opacity: 1; visibility: visible; pointer-events: auto; transform: translateX(-50%) translateY(0); }
.mega-head { font-family: var(--font-display); font-weight: 700; font-size: var(--fs-sm); color: var(--muted); margin-bottom: 0.9rem; padding-inline: 0.2rem; }
.mega-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.9rem; }
.mega-card { display: flex; flex-direction: column; align-items: flex-start; gap: 0.65rem; padding: 1rem; border: 1px solid var(--line); border-radius: var(--r-md); }
.mega-card .ins-logo { height: 28px; max-height: 28px; max-width: 140px; width: auto; object-fit: contain; object-position: left center; }
.mega-tag { font-size: var(--fs-xs); font-weight: 700; color: var(--primary-strong); background: var(--primary-50); padding: 0.25rem 0.6rem; border-radius: 999px; }
.mega-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.45rem; font-size: var(--fs-sm); color: var(--ink); width: 100%; flex: 1; }
.mega-list li { padding-left: 1.25rem; position: relative; line-height: 1.3; }
.mega-list li::before { content: ""; position: absolute; left: 0; top: 0.36rem; width: 0.75rem; height: 0.75rem; border-radius: 50%; background: var(--primary-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235b34d8' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center / 0.5rem no-repeat; }
.mega-card .btn { margin-top: 0.2rem; }

/* ---------- sections ---------- */
[id] { scroll-margin-top: calc(var(--header-h) + 12px); }
.section { padding-block: var(--section-y); }
.section--tint { background: var(--surface); }
.section-head { max-width: 62ch; margin-bottom: clamp(1.8rem, 1rem + 2vw, 3rem); }
.section-title { font-size: var(--fs-3xl); font-weight: 800; }
.section-lead { font-size: var(--fs-lg); color: var(--muted); margin-top: 0.8rem; }
.section-lead a { color: var(--primary); text-underline-offset: 3px; }

/* (decorative glows removed for a cleaner, flat look) */

/* ---------- hero ---------- */
.hero { padding-top: clamp(2.5rem, 1.5rem + 4vw, 4.5rem); padding-bottom: var(--section-y); }
.hero-grid { display: grid; grid-template-columns: 1.08fr 1fr; gap: clamp(2rem, 1rem + 4vw, 4.5rem); align-items: stretch; }
.hero-copy { display: flex; flex-direction: column; justify-content: center; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 0.5rem; align-self: flex-start; font-weight: 600; font-size: var(--fs-sm); color: var(--primary); background: var(--primary-50); padding: 0.4rem 0.85rem; border-radius: 999px; }
.hero-title { font-size: var(--fs-hero); font-weight: 800; margin: 1.1rem 0 0; letter-spacing: -0.035em; }
.hero-sub { font-size: var(--fs-lg); color: var(--muted); margin-top: 1.2rem; max-width: 36ch; }
.hero-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 0.6rem 1rem; margin-top: 2rem; }
.hero-insurers { display: grid; gap: 0.75rem; margin-top: 1.65rem; max-width: 39rem; }
.hero-insurers-label { color: var(--muted); font-size: var(--fs-sm); font-weight: 600; }
.hero-insurers-list { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; align-items: center; gap: 0.65rem; }
.hero-insurers-list li {
  display: flex; align-items: center; justify-content: center;
  min-width: 8.2rem; min-height: 3.2rem; padding: 0.68rem 0.95rem;
  background: var(--bg); border: 1.5px solid var(--line); border-radius: var(--r-md);
}
.hero-insurers-list img { width: auto; height: auto; max-width: 7.4rem; max-height: 1.8rem; object-fit: contain; }
.hero-trust { list-style: none; padding: 0; margin: 2rem 0 0; display: flex; flex-wrap: wrap; gap: 0.5rem 1.4rem; }
.hero-trust li { display: inline-flex; align-items: center; gap: 0.5rem; font-size: var(--fs-sm); color: var(--ink); font-weight: 500; }
.hero-trust .ic { color: var(--primary); width: 1.05rem; height: 1.05rem; }
/* väčšie fajky namiesto úvodného odseku */
.hero-trust--lg { flex-direction: column; flex-wrap: nowrap; gap: 0.85rem; margin: 1.6rem 0 0.4rem; }
.hero-trust--lg li { font-size: var(--fs-lg); font-weight: 600; align-items: flex-start; line-height: 1.4; }
.hero-trust--lg .ic { width: 1.4rem; height: 1.4rem; margin-top: 0.15rem; flex-shrink: 0; }

.hero-media { position: relative; display: flex; }
.hero-img { width: 100%; height: 100%; min-height: clamp(360px, 42vw, 520px); object-fit: cover; border-radius: var(--r-xl); }
.hero-badge {
  position: absolute; left: -0.85rem; bottom: 1.5rem;
  background: var(--bg); border: 1.5px solid var(--line); border-radius: var(--r-lg);
  padding: 0.7rem 1.15rem 0.7rem 0.7rem; display: flex; align-items: center; gap: 0.8rem;
}
.hero-badge-ic { display: grid; place-items: center; width: 2.7rem; height: 2.7rem; flex: none; border-radius: 13px; background: var(--accent); color: #fff; }
.hero-badge-ic svg { width: 1.45rem; height: 1.45rem; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.hero-badge-text { display: grid; gap: 0.1rem; line-height: 1.05; }
.hero-badge-label { font-size: var(--fs-xs); color: var(--muted); font-weight: 600; }
.hero-badge-date { font-family: var(--font-display); font-size: 1.5rem; color: var(--accent-strong); font-weight: 800; letter-spacing: -0.02em; }

.dot-pulse { width: 8px; height: 8px; border-radius: 50%; background: var(--primary); position: relative; }
.dot-pulse::after { content: ""; position: absolute; inset: 0; border-radius: 50%; background: inherit; animation: pulse 2s var(--ease) infinite; }
.dot-pulse--accent { background: var(--accent); }
@keyframes pulse { 0% { transform: scale(1); opacity: 0.6; } 70%, 100% { transform: scale(2.6); opacity: 0; } }

/* ---------- top benefity cards ---------- */
.top-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--gap); }
.ins-card {
  position: relative; display: flex; flex-direction: column;
  background: var(--bg); border: 1.5px solid var(--line); border-radius: var(--r-lg);
  padding: clamp(1.4rem, 1rem + 1vw, 1.9rem);
  transition: transform 0.25s var(--ease), border-color 0.25s var(--ease);
}
@media (hover: hover) { .ins-card:hover { transform: translateY(-4px); border-color: var(--line-strong); } }
.ins-card--featured { border-color: var(--primary); background: var(--primary-50); }
.ins-ribbon { position: absolute; top: 0; right: 1.3rem; transform: translateY(-50%); background: var(--accent-strong); color: #fff; font-size: var(--fs-xs); font-weight: 700; padding: 0.3rem 0.8rem; border-radius: 999px; }
.ins-head { display: flex; flex-direction: column; align-items: flex-start; gap: 0.85rem; padding-bottom: 1.2rem; margin-bottom: 1.2rem; border-bottom: 1px solid var(--line); }
.ins-logo { max-height: 30px; max-width: 100%; width: auto; height: auto; display: block; object-fit: contain; }
.ins-head .ins-logo { height: 42px; max-height: 42px; object-position: left center; }
.ins-tag { font-size: var(--fs-xs); font-weight: 700; color: var(--ink); background: var(--surface-2); display: inline-block; padding: 0.34rem 0.75rem; border-radius: 999px; }
.ins-card--featured .ins-tag { background: oklch(1 0 0 / 0.7); }
.ins-tag--vszp, .ins-tag--dovera, .ins-tag--union { background: var(--primary-50); color: var(--primary-strong); }
.ben-list { list-style: none; padding: 0; margin: 0 0 1.4rem; display: grid; gap: 0.9rem; flex: 1; }
.ben-list li { display: grid; gap: 0.15rem; padding-left: 1.7rem; position: relative; }
.ben-list li::before { content: ""; position: absolute; left: 0; top: 0.3rem; width: 1.1rem; height: 1.1rem; border-radius: 50%; background: var(--primary-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235b34d8' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center / 0.72rem no-repeat; }
.ben-list strong { font-weight: 700; font-size: var(--fs-base); color: var(--ink); line-height: 1.35; }
.ben-list span { color: var(--muted); font-size: var(--fs-sm); line-height: 1.45; }
.ins-actions { display: grid; gap: 0.7rem; }
.ins-detail { text-align: center; font-size: var(--fs-sm); font-weight: 600; color: var(--primary); text-decoration: none; }
.ins-detail:hover { text-decoration: underline; text-underline-offset: 3px; }
.verify { color: var(--accent-strong); font-weight: 700; cursor: help; }

/* ---------- steps ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--gap); }
.step { background: var(--bg); border: 1.5px solid var(--line); border-radius: var(--r-lg); padding: 1.7rem; }
.step-num { display: grid; place-items: center; width: 2.5rem; height: 2.5rem; border-radius: 13px; background: var(--primary); color: var(--on-primary); font-family: var(--font-display); font-weight: 800; font-size: 1.25rem; margin-bottom: 1rem; }
.step h3 { font-size: var(--fs-lg); font-weight: 700; }
.step p { color: var(--muted); margin-top: 0.4rem; font-size: var(--fs-sm); }

/* ---------- videonávody ---------- */
.video-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--gap); }
.video-card { display: flex; flex-direction: column; background: var(--bg); border: 1.5px solid var(--line); border-radius: var(--r-lg); overflow: hidden; }
.video-frame { position: relative; aspect-ratio: 16 / 9; background: var(--ink); }
.video-frame iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.video-copy { display: grid; gap: 0.45rem; padding: clamp(1.2rem, 0.9rem + 1vw, 1.55rem); }
.video-copy h3 { font-size: var(--fs-xl); font-weight: 800; }
.video-copy p { color: var(--muted); font-size: var(--fs-sm); }
.video-copy a { width: fit-content; color: var(--primary); font-size: var(--fs-sm); font-weight: 700; text-decoration: none; }
.video-copy a:hover { color: var(--primary-strong); text-decoration: underline; text-underline-offset: 3px; }

/* ---------- comparison table (flat, minimal) ---------- */
.table-wrap { width: 100%; }
.compare { width: 100%; border-collapse: collapse; font-size: var(--fs-sm); table-layout: fixed; }
.compare thead th:not(.c-benefit) { width: 23%; }
.compare th, .compare td { padding: 1rem 1.1rem; text-align: center; vertical-align: middle; }
.compare thead th { position: sticky; top: var(--header-h); z-index: 5; background: var(--bg); border-bottom: 2px solid var(--ink); padding-block: 1.1rem; vertical-align: bottom; }
.compare thead th.c-benefit { text-align: left; font-family: var(--font-display); font-weight: 700; font-size: var(--fs-base); color: var(--ink); width: 31%; }
.compare thead .ins-logo { max-height: 30px; width: auto; margin-inline: auto; }
.compare tbody th[scope="row"] { text-align: left; font-weight: 600; color: var(--ink); width: 32%; }
.compare td { color: var(--ink); font-variant-numeric: tabular-nums; border-bottom: 1px solid var(--line-subtle); }
.compare tbody th[scope="row"] { border-bottom: 1px solid var(--line-subtle); }
.compare tr.grp th { text-align: left; font-family: var(--font-body); font-weight: 700; font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: 0.07em; color: var(--primary); padding: 1.6rem 1.1rem 0.5rem; border-bottom: 1px solid var(--line); }
.compare tbody tr:not(.grp):hover td, .compare tbody tr:not(.grp):hover th[scope="row"] { background: var(--surface); }
.compare td.best { background: var(--primary-50); color: var(--primary-strong); font-weight: 700; }
.compare .no { color: var(--muted); }
.compare tfoot td { padding: 1.2rem 0.45rem 0; border: none; vertical-align: top; }
.compare tfoot .btn { white-space: normal; font-size: var(--fs-sm); }

.disclaimer { display: flex; gap: 0.6rem; align-items: flex-start; margin-top: 1.4rem; font-size: var(--fs-sm); color: var(--muted); max-width: 78ch; }
.disclaimer .ic { color: var(--accent-strong); flex: none; margin-top: 0.15rem; }
.disclaimer .verify { margin-inline: 0.1rem; }

/* ---------- advise / form ---------- */
.advise { display: grid; grid-template-columns: 0.92fr 1.08fr; gap: clamp(2rem, 1rem + 4vw, 4rem); align-items: center; }
.advise-media img { width: 100%; aspect-ratio: 4 / 3.4; object-fit: cover; border-radius: var(--r-xl); }
.lead-form { margin-top: 1.6rem; display: grid; gap: 1rem; max-width: 30rem; }
.field { display: grid; gap: 0.4rem; }
.field label { font-weight: 600; font-size: var(--fs-sm); }
.field .opt { color: var(--muted); font-weight: 400; }
.lead-form input[type="text"], .lead-form input[type="tel"] {
  padding: 0.85rem 1rem; border: 1.5px solid var(--line-strong); border-radius: var(--r-md);
  background: var(--bg); transition: border-color 0.15s var(--ease);
}
.lead-form input::placeholder { color: oklch(0.6 0.02 285); }
.lead-form input:focus-visible { outline: 3px solid var(--primary-100); outline-offset: 0; border-color: var(--primary); }
.lead-form input[aria-invalid="true"] { border-color: var(--accent-strong); }
.consent { display: grid; grid-template-columns: auto 1fr; gap: 0.6rem; align-items: start; font-size: var(--fs-sm); color: var(--muted); cursor: pointer; }
.consent input { width: 1.2rem; height: 1.2rem; margin-top: 0.15rem; accent-color: var(--primary); }
.consent a { color: var(--primary); }
.err { color: var(--accent-strong); font-size: var(--fs-xs); font-weight: 600; }
.form-note { display: flex; align-items: center; gap: 0.5rem; font-size: var(--fs-xs); color: var(--muted); margin-top: 0.2rem; }
.form-note .ic { color: var(--primary); width: 1rem; height: 1rem; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.form-ok { display: flex; align-items: center; gap: 0.8rem; padding: 1.1rem 1.3rem; background: var(--primary-50); border: 1px solid var(--primary-100); border-radius: var(--r-md); color: var(--primary-strong); font-weight: 600; }
.form-ok .ic { color: var(--primary); width: 1.5rem; height: 1.5rem; flex: none; }

/* ---------- faq ---------- */
.faq-wrap { max-width: 840px; }
.faq { display: grid; gap: 0.7rem; }
.faq details { border: 1.5px solid var(--line); border-radius: var(--r-md); background: var(--bg); overflow: hidden; transition: border-color 0.2s var(--ease); }
.faq details[open] { border-color: var(--primary); }
.faq summary { cursor: pointer; padding: 1.1rem 1.3rem; font-weight: 700; font-family: var(--font-display); font-size: var(--fs-lg); list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--font-body); font-weight: 400; font-size: 1.7rem; color: var(--primary); transition: transform 0.25s var(--ease); line-height: 1; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { padding: 0 1.3rem 1.2rem; color: var(--muted); }

/* ---------- cta section ---------- */
.cta-section { padding-block: var(--section-y); }
.cta-panel { background: var(--primary); color: var(--on-primary); border-radius: var(--r-xl); padding: clamp(2.2rem, 1.4rem + 3.5vw, 3.8rem) clamp(1.5rem, 1rem + 3vw, 3.8rem); display: grid; grid-template-columns: 1.5fr 1fr; gap: clamp(1.5rem, 1rem + 2vw, 3rem); align-items: center; }
.cta-panel-text h2 { font-size: var(--fs-3xl); font-weight: 800; }
.cta-panel-text p { font-size: var(--fs-lg); margin-top: 0.6rem; color: oklch(0.97 0.02 285 / 0.92); }
.cta-actions { display: flex; flex-wrap: wrap; gap: 0.8rem; justify-content: flex-end; }
.cta-section .btn-primary { background: var(--bg); color: var(--primary); }
.cta-section .btn-primary:hover { background: var(--surface); color: var(--primary-strong); }

/* ---------- footer ---------- */
.site-footer { background: var(--ink); color: oklch(0.82 0.02 285); padding-block: clamp(2.5rem, 2rem + 2vw, 4rem); }
.footer-cta { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1.5rem 2rem; padding-bottom: 2.5rem; margin-bottom: 2.5rem; border-bottom: 1px solid oklch(1 0 0 / 0.12); }
.footer-cta-text h2 { font-size: var(--fs-2xl); font-weight: 800; color: var(--on-primary); }
.footer-cta-text p { margin-top: 0.4rem; font-size: var(--fs-base); color: oklch(0.78 0.02 285); max-width: 48ch; }
.footer-cta-btn { flex: none; }
.footer-main { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1.5fr; gap: 2rem; align-items: start; }
.site-footer .brand { color: var(--on-primary); font-size: 1.2rem; }
.site-footer .brand-name-accent { color: oklch(0.78 0.12 285); }
.footer-brand p { margin-top: 0.9rem; font-size: var(--fs-sm); max-width: 32ch; color: oklch(0.74 0.02 285); }
.footer-col { display: grid; gap: 0.55rem; align-content: start; }
.footer-col h3 { font-family: var(--font-body); font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: 0.08em; color: oklch(0.66 0.03 285); font-weight: 700; margin-bottom: 0.25rem; }
.footer-col a { color: oklch(0.82 0.02 285); text-decoration: none; font-size: var(--fs-sm); width: fit-content; transition: color 0.15s var(--ease); }
.footer-col a:hover { color: var(--on-primary); }
.footer-col .aff-note { font-size: var(--fs-xs); color: oklch(0.66 0.02 285); line-height: 1.5; }
.footer-bottom { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1rem; }
.footer-bottom .brand { color: var(--on-primary); font-size: 1.15rem; }
.footer-bottom .copy { font-size: var(--fs-xs); color: oklch(0.66 0.02 285); }

/* ---------- modal ---------- */
.lead-modal { margin: auto; width: min(440px, calc(100vw - 2rem)); border: 1.5px solid var(--line); border-radius: var(--r-xl); padding: 0; background: var(--bg); color: var(--ink); overflow: visible; }
.lead-modal::backdrop { background: oklch(0.2 0.05 285 / 0.55); backdrop-filter: blur(3px); }
.modal-body { padding: clamp(1.6rem, 1.2rem + 1.5vw, 2.2rem); }
.modal-kicker { display: inline-flex; align-items: center; gap: 0.5rem; font-weight: 600; font-size: var(--fs-sm); color: var(--accent-strong); margin-bottom: 0.6rem; }
.lead-modal h2 { font-size: var(--fs-xl); font-weight: 800; }
.lead-modal > .modal-body > p { color: var(--muted); margin-top: 0.5rem; font-size: var(--fs-sm); }
.lead-modal .lead-form { margin-top: 1.3rem; }
.modal-close { position: absolute; top: 0.8rem; right: 0.8rem; width: 2.4rem; height: 2.4rem; display: grid; place-items: center; border: none; border-radius: 50%; background: var(--surface-2); color: var(--ink); cursor: pointer; transition: background 0.15s var(--ease); }
.modal-close:hover { background: var(--line); }
.modal-close svg { width: 1.1rem; height: 1.1rem; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; }
.modal-dismiss { background: none; border: none; color: var(--muted); font-size: var(--fs-sm); cursor: pointer; padding: 0.3rem; text-decoration: underline; text-underline-offset: 3px; }
.modal-dismiss:hover { color: var(--ink); }

/* ---------- entrance motion ---------- */
@keyframes fadeUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: translateY(0); } }
.hero-copy > * { animation: fadeUp 0.7s var(--ease) both; }
.hero-copy > *:nth-child(2) { animation-delay: 0.06s; }
.hero-copy > *:nth-child(3) { animation-delay: 0.12s; }
.hero-copy > *:nth-child(4) { animation-delay: 0.18s; }
.hero-copy > *:nth-child(5) { animation-delay: 0.24s; }
.hero-media { animation: fadeUp 0.8s var(--ease) 0.15s both; }
.ins-card { animation: fadeUp 0.6s var(--ease) both; }
.top-grid .ins-card:nth-child(2) { animation-delay: 0.1s; }
.top-grid .ins-card:nth-child(3) { animation-delay: 0.2s; }

/* ---------- insurer chips ---------- */
.ins-chip { display: inline-flex; align-items: center; gap: 0.35rem; font-weight: 700; font-size: var(--fs-xs); padding: 0.3rem 0.7rem; border-radius: 999px; white-space: nowrap; }
.ins-chip--vszp { background: var(--vszp); color: #fff; }
.ins-chip--dovera { background: var(--dovera); color: var(--ink); }
.ins-chip--union { background: var(--union); color: var(--ink); }
.chip-trophy { width: 0.95em; height: 0.95em; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- pick: Ktorá je pre vás ---------- */
.pick-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.9rem; align-items: start; }
.pick-card { background: var(--bg); border: 1.5px solid var(--line); border-radius: var(--r-md); transition: border-color 0.2s var(--ease); }
.pick-card[open] { border-color: var(--primary); }
.pick-card > summary { list-style: none; cursor: pointer; display: flex; align-items: center; gap: 0.8rem; padding: 1rem 1.15rem; }
.pick-card > summary::-webkit-details-marker { display: none; }
.pick-ico { display: grid; place-items: center; width: 2.4rem; height: 2.4rem; flex: none; border-radius: 12px; background: var(--primary-50); color: var(--primary); }
.pick-ico svg { width: 1.3rem; height: 1.3rem; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.pick-need { font-family: var(--font-display); font-weight: 700; font-size: var(--fs-base); flex: 1; min-width: 0; }
.pick-chev { color: var(--muted); display: grid; place-items: center; transition: transform 0.25s var(--ease); }
.pick-chev svg { width: 1.2rem; height: 1.2rem; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.pick-card[open] .pick-chev { transform: rotate(180deg); }
.pick-body { padding: 0 1.15rem 1.2rem 4.15rem; }
.pick-benefits { list-style: none; padding: 0; margin: 0 0 0.9rem; display: grid; gap: 0.45rem; }
.pick-benefits li { padding-left: 1.5rem; position: relative; color: var(--ink); font-size: var(--fs-sm); }
.pick-benefits li::before { content: ""; position: absolute; left: 0; top: 0.28rem; width: 1rem; height: 1rem; border-radius: 50%; background: var(--primary-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235b34d8' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center / 0.65rem no-repeat; }
.pick-for { font-size: var(--fs-sm); color: var(--muted); }
.vyber-cta { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 1rem; margin-top: 2.2rem; text-align: center; }
.vyber-cta p { font-weight: 600; color: var(--ink); }

/* ---------- tabs: porovnanie ---------- */
.tabs { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 1.8rem; }
.tab { font-family: var(--font-body); font-weight: 600; font-size: var(--fs-sm); padding: 0.6rem 1.05rem; border-radius: 999px; border: 1.5px solid var(--line); background: var(--bg); color: var(--ink); cursor: pointer; transition: background 0.15s var(--ease), color 0.15s var(--ease), border-color 0.15s var(--ease); }
.tab:hover { border-color: var(--line-strong); background: var(--surface); }
.tab.is-active { background: var(--primary); color: var(--on-primary); border-color: var(--primary); }
.tab-panel[hidden] { display: none; }
.winner-bar { display: flex; flex-wrap: wrap; align-items: center; gap: 0.5rem; font-weight: 600; color: var(--ink); margin-bottom: 0.7rem; }
.panel-intro { color: var(--muted); margin-bottom: 1.3rem; max-width: 72ch; }
.panel-actions { display: flex; flex-wrap: wrap; gap: 0.8rem; justify-content: center; margin-top: 1.6rem; }

/* ---------- responsive ---------- */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-media { order: -1; max-width: 560px; }
  .hero-img { min-height: clamp(260px, 56vw, 420px); }
  .hero-sub { max-width: 48ch; }
  .advise { grid-template-columns: 1fr; }
  .advise-media { max-width: 540px; }
  .footer-main { grid-template-columns: 1fr 1fr; }
  .cta-panel { grid-template-columns: 1fr; }
  .cta-actions { justify-content: flex-start; }
  .footer-cta { flex-direction: column; align-items: flex-start; }
}

/* nav collapses to burger */
@media (max-width: 860px) {
  .nav-toggle { display: inline-flex; }
  .nav-menu {
    position: absolute; top: 100%; left: 0; right: 0; margin: 0;
    flex-direction: column; align-items: stretch; gap: 0.4rem;
    background: var(--bg); border-bottom: 1px solid var(--line);
    padding: 1rem clamp(1.1rem, 0.4rem + 2.6vw, 2.25rem) 1.3rem;
    display: none;
  }
  .site-header.nav-open .nav-menu { display: flex; }
  .main-nav { flex-direction: column; gap: 0.1rem; }
  .main-nav a { padding: 0.7rem 0.85rem; margin-inline: -0.85rem; }
  .main-nav a::after { display: none; }
  .nav-item--mega { display: block; }
  .nav-chev { display: none; }
  .mega-panel { display: none; }
  .nav-cta { width: 100%; margin-top: 0.5rem; }
}

@media (max-width: 760px) {
  .top-grid { grid-template-columns: 1fr; }
  .pick-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .video-grid { grid-template-columns: 1fr; }
  .footer-main { grid-template-columns: 1fr; }
  .pick-body { padding-left: 1.15rem; }

  /* comparison table -> stacked blocks, no horizontal scroll */
  .compare, .compare tbody, .compare tr, .compare td, .compare th { display: block; width: auto; }
  .compare thead { display: none; }
  .compare tfoot, .compare tfoot tr { display: block; }
  .compare tfoot td { display: block; padding: 0.5rem 0 0; }
  .compare tfoot td.c-benefit { display: none; }
  .compare tfoot td::before { display: none; }
  .compare tbody tr.grp { margin: 1.8rem 0 0.4rem; }
  .compare tbody tr.grp th { padding: 0; border: none; color: var(--primary); font-size: var(--fs-sm); }
  .compare tbody tr:not(.grp) { border: 1.5px solid var(--line); border-radius: var(--r-md); padding: 0.3rem 1rem; margin-top: 0.7rem; }
  .compare tbody tr:not(.grp):hover td, .compare tbody tr:not(.grp):hover th[scope="row"] { background: transparent; }
  .compare tbody th[scope="row"] { width: auto; padding: 0.75rem 0 0.5rem; font-family: var(--font-display); font-size: var(--fs-base); border-bottom: 1.5px solid var(--line); }
  .compare td { display: flex; justify-content: space-between; align-items: center; gap: 1.2rem; text-align: right; padding: 0.6rem 0; border-bottom: 1px solid var(--line-subtle); }
  .compare tbody tr:not(.grp) td:last-child { border-bottom: none; }
  .compare td::before { content: attr(data-ins); font-weight: 600; color: var(--muted); text-align: left; }
  .compare td.best { background: transparent; color: var(--primary-strong); }
  .compare td.best::before { color: var(--muted); font-weight: 600; }
  .compare td.best::after { content: "najviac"; font-size: var(--fs-xs); font-weight: 700; color: var(--on-primary); background: var(--primary); padding: 0.1rem 0.45rem; border-radius: 999px; margin-left: 0.5rem; }
}

@media (max-width: 480px) {
  .hero-cta .btn-xl, .cta-actions .btn-xl { flex: 1 1 100%; }
  .hero-insurers-list { display: grid; grid-template-columns: 1fr; }
  .hero-insurers-list li { min-width: 0; min-height: 3rem; justify-content: flex-start; }
  .hero-badge { left: 0; }
}

/* ---------- reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; }
  .hero-copy > *, .hero-media, .ins-card { animation: none; opacity: 1; transform: none; }
  .dot-pulse::after { display: none; }
}

/* Navbar telefón – moderný „Zavolajte nám" blok */
.nav-phone{display:inline-flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);padding:6px 10px;border-radius:14px;transition:background .15s ease;}
.nav-phone:hover{background:rgba(91,52,216,.07);}
.nav-phone-ic{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--primary);color:#fff;flex-shrink:0;box-shadow:0 6px 16px -6px rgba(91,52,216,.6);}
.nav-phone-ic svg{width:19px;height:19px;}

/* ---------- recenzie / reviews ---------- */
.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--gap); }
.review { display: flex; flex-direction: column; gap: 0.85rem; background: var(--bg); border: 1.5px solid var(--line); border-radius: var(--r-lg); padding: 1.7rem; }
.review-stars { color: #f5a623; font-size: 1.15rem; line-height: 1; letter-spacing: 2px; }
.review blockquote { color: var(--ink); line-height: 1.6; }
.review figcaption { display: flex; align-items: center; gap: 0.8rem; margin-top: auto; padding-top: 0.5rem; }
.review-avatar { display: grid; place-items: center; width: 2.6rem; height: 2.6rem; flex: none; border-radius: 50%; background: var(--primary); color: var(--on-primary); font-family: var(--font-display); font-weight: 800; }
.review:nth-child(2n) .review-avatar { background: var(--accent); }
.review-meta { display: flex; flex-direction: column; line-height: 1.25; }
.review-name { font-weight: 700; }
.review-city { font-size: var(--fs-sm); color: var(--muted); }
@media (max-width: 980px) { .reviews { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .reviews { grid-template-columns: 1fr; } }
.nav-phone-text{display:flex;flex-direction:column;line-height:1.2;}
.nav-phone-label{font-size:11px;font-weight:600;color:var(--muted);}
.nav-phone-num{font-size:15px;font-weight:800;color:var(--ink);white-space:nowrap;}

/* ---------- footer kontakt ---------- */
.footer-contact { display: flex; flex-wrap: wrap; align-items: center; gap: 0.4rem 1.6rem; }
.footer-contact-item { display: inline-flex; align-items: center; gap: 0.5rem; color: var(--on-primary); text-decoration: none; font-weight: 600; font-size: var(--fs-sm); transition: color 0.15s var(--ease); }
.footer-contact-item:hover { color: oklch(0.82 0.12 285); }
.footer-contact-item svg { width: 1.05rem; height: 1.05rem; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- cookie banner ---------- */
.cookie-banner {
  position: fixed;
  left: max(1rem, env(safe-area-inset-left));
  right: max(1rem, env(safe-area-inset-right));
  bottom: max(1rem, env(safe-area-inset-bottom));
  z-index: 300;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem 1.4rem;
  max-width: 980px;
  margin-inline: auto;
  padding: 1rem;
  background: var(--bg);
  color: var(--ink);
  border: 1.5px solid var(--line-strong);
  border-radius: var(--r-lg);
}
.cookie-banner[hidden] { display: none; }
.cookie-banner-text { display: grid; gap: 0.2rem; max-width: 62ch; }
.cookie-banner-text strong { font-family: var(--font-display); font-size: var(--fs-lg); line-height: 1.15; }
.cookie-banner-text p { color: var(--muted); font-size: var(--fs-sm); line-height: 1.45; }
.cookie-banner-actions { display: flex; flex-wrap: wrap; align-items: center; justify-content: flex-end; gap: 0.6rem; flex: none; }
.cookie-link { color: var(--primary); font-size: var(--fs-sm); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; white-space: nowrap; }

@media (max-width: 760px) {
  .cookie-banner { flex-direction: column; align-items: stretch; padding: 0.95rem; }
  .cookie-banner-actions { justify-content: stretch; }
  .cookie-banner-actions .btn { flex: 1 1 auto; }
  .cookie-link { order: 3; flex: 1 1 100%; text-align: center; white-space: normal; }
}