/* =========================================================
   FINANCIE DIGITAL – styles.css
   Kompletné štýly pre celý web (hlavná stránka + podstránky)
   ========================================================= */

:root {
  --bg: #062032;
  --bg-2: #0b2740;
  --bg-3: #0f3a59;
  --panel: #22384a;
  --text: #eaf3f7;
  --muted: #9bb5c3;
  --turq: #039CBB;
  --turq-2: #04b4d6;
  --orange: #f58220;
  --border: rgba(255,255,255,.10);
  --border-2: rgba(255,255,255,.14);
  --radius: 14px;
  --radius-lg: 18px;
  --maxw: 1140px;
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--text);
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--turq-2); }
a:hover { color: #fff; }

img { max-width: 100%; height: auto; display: block; }

.container {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 20px;
}

.muted { color: var(--muted); }

.btn {
  display: inline-block;
  padding: 10px 16px;
  border-radius: 10px;
  border: 1px solid var(--border-2);
  background: rgba(255,255,255,.06);
  color: var(--text);
  text-decoration: none;
  font-weight: 600;
  font-size: 14px;
  cursor: pointer;
  transition: background .15s ease, border-color .15s ease, transform .08s ease;
}
.btn:hover { background: rgba(255,255,255,.12); color: #fff; }
.btn:active { transform: translateY(1px); }

.btn-primary {
  background: var(--turq);
  border-color: var(--turq);
  color: #fff;
}
.btn-primary:hover { background: #027a93; border-color: #027a93; color: #fff; }

.btn-ghost {
  background: transparent;
  border-color: var(--border-2);
}

.badge {
  display: inline-block;
  font-size: 12px;
  padding: 4px 10px;
  border-radius: 999px;
  background: rgba(3,156,187,.16);
  border: 1px solid rgba(3,156,187,.35);
  color: #cfeef7;
  margin-right: 6px;
  margin-bottom: 4px;
}

/* =========================================================
   HEADER & FOOTER
   ========================================================= */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: linear-gradient(180deg, rgba(6,32,50,.92), rgba(6,32,50,.82));
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 20px;
}
.brand { text-decoration: none; color: var(--text); }
.brand-text {
  font-weight: 800;
  font-size: 18px;
  letter-spacing: .2px;
}
.top-nav {
  display: flex;
  gap: 22px;
  font-size: 14px;
}
.top-nav a {
  color: var(--muted);
  text-decoration: none;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  transition: color .15s ease, border-color .15s ease;
}
.top-nav a:hover { color: #fff; border-color: var(--turq); }

.site-footer {
  margin-top: 50px;
  padding: 28px 0;
  border-top: 1px solid var(--border);
  background: rgba(0,0,0,.2);
}
.footer-inner {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 13px;
  color: var(--muted);
}

@media (max-width: 640px) {
  .top-nav { gap: 14px; font-size: 13px; }
  .brand-text { font-size: 16px; }
}

/* =========================================================
   HERO
   ========================================================= */

.hero {
  padding: 44px 0 20px;
  background:
    radial-gradient(1000px 400px at 80% -10%, rgba(3,156,187,.18), transparent 60%),
    radial-gradient(800px 300px at 10% 10%, rgba(245,130,32,.10), transparent 60%);
}
.hero-copy h1 {
  margin: 0 0 12px;
  font-size: clamp(28px, 4vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.01em;
}
.hero-copy p {
  margin: 0 0 14px;
  color: #d4e4ed;
  max-width: 760px;
  font-size: 17px;
}
.hero-badges { margin-top: 4px; }

/* =========================================================
   PRODUCTS (hlavná stránka – dlaždice + embed)
   ========================================================= */

.products { padding: 14px 0 40px; }
.section-head h2 {
  margin: 8px 0 4px;
  font-size: 22px;
}
.section-head p { margin: 0 0 16px; }

.tiles {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin: 10px 0 16px;
}
.tile {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 4px;
  padding: 18px;
  border: 1px solid var(--border);
  background: linear-gradient(180deg, rgba(255,255,255,.07), rgba(255,255,255,.03));
  border-radius: var(--radius);
  color: var(--text);
  cursor: pointer;
  text-decoration: none;
  font: inherit;
  text-align: left;
  transition: transform .1s ease, border-color .12s ease, background .12s ease;
}
.tile:hover {
  transform: translateY(-2px);
  border-color: rgba(3,156,187,.45);
  background: linear-gradient(180deg, rgba(255,255,255,.10), rgba(255,255,255,.04));
}
.tile-icon { font-size: 26px; }
.tile-title { font-size: 17px; font-weight: 700; }
.tile-sub { font-size: 13px; color: var(--muted); }

@media (max-width: 900px) {
  .tiles { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 520px) {
  .tiles { grid-template-columns: 1fr; }
}

/* Odkazy na podstránky pod tiles (interlinking na hlavnej) */
.product-links {
  margin: 8px 0 18px;
}
.product-links-intro {
  margin: 18px 0 8px;
  font-size: 14px;
  color: var(--muted);
}
.product-links-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 14px;
}
.product-links-list a {
  display: inline-block;
  padding: 8px 14px;
  border-radius: 999px;
  border: 1px solid var(--border-2);
  background: rgba(255,255,255,.04);
  text-decoration: none;
  color: var(--text);
  transition: border-color .12s ease, background .12s ease;
}
.product-links-list a:hover {
  border-color: rgba(3,156,187,.45);
  background: rgba(3,156,187,.10);
}

/* Embed (iframe kalkulačka) */
.embed-wrap {
  margin-top: 14px;
  padding: 14px;
  border-radius: var(--radius-lg);
  background: var(--bg-2);
  border: 1px solid var(--border);
}
.embed-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  padding: 4px 6px 12px;
}
.embed-head h3 {
  margin: 0;
  font-size: 17px;
}
.embed-head p {
  margin: 2px 0 0;
  font-size: 13px;
}
.embed-actions { display: flex; gap: 8px; flex-wrap: wrap; }

.iframe-shell {
  position: relative;
  border-radius: var(--radius);
  overflow: hidden;
  background: #fff;
  min-height: 560px;
}
.iframe-shell iframe {
  width: 100%;
  height: 680px;
  border: 0;
  display: block;
  background: #fff;
}

/* =========================================================
   FAQ (hlavná stránka)
   ========================================================= */

.faq { padding: 20px 0 40px; }
.faq h2 { margin: 8px 0 14px; font-size: 22px; }
.faq details {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: rgba(255,255,255,.04);
  padding: 14px 16px;
  margin-bottom: 10px;
}
.faq summary {
  cursor: pointer;
  font-weight: 700;
  outline: none;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  color: var(--turq-2);
  font-size: 20px;
  font-weight: 400;
  transition: transform .2s ease;
}
.faq details[open] summary::after { content: "–"; }
.faq details p {
  margin: 10px 0 0;
  color: #d4e4ed;
  line-height: 1.65;
}

/* =========================================================
   CONTACT (hlavná stránka)
   ========================================================= */

.contact { padding: 20px 0 30px; }
.contact h2 { margin: 8px 0 14px; font-size: 22px; }
.contact-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}
.contact-card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px;
  background: rgba(255,255,255,.04);
}
.contact-card h3 { margin: 0 0 8px; font-size: 15px; }
.contact-card p { margin: 2px 0; font-size: 14px; }
.contact-card a { color: var(--turq-2); text-decoration: none; }
.contact-card a:hover { text-decoration: underline; }

@media (max-width: 640px) {
  .contact-grid { grid-template-columns: 1fr; }
}

/* =========================================================
   PODSTRÁNKY (pzp, havarijne-poistenie, atd.)
   ========================================================= */

/* Drobčeky */
.breadcrumbs {
  font-size: 13px;
  color: var(--muted);
  padding: 14px 0 0;
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}
.breadcrumbs a { color: var(--muted); text-decoration: none; }
.breadcrumbs a:hover { color: var(--text); }
.breadcrumbs .sep { opacity: .5; }

/* Obsah článku (table of contents) */
.toc {
  margin: 12px 0 18px;
  padding: 14px 18px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: rgba(255,255,255,.04);
}
.toc strong { display: block; margin-bottom: 6px; }
.toc ul { margin: 0; padding-left: 18px; }
.toc a { color: var(--muted); text-decoration: none; }
.toc a:hover { color: var(--text); text-decoration: underline; }

/* Article prose – dlhý textový obsah */
.article-prose {
  max-width: 820px;
  margin: 0 auto;
  padding: 18px 0;
}
.article-prose h2 {
  margin: 36px 0 12px;
  font-size: 24px;
  line-height: 1.25;
}
.article-prose h3 {
  margin: 24px 0 10px;
  font-size: 18px;
  line-height: 1.35;
}
.article-prose p {
  margin: 0 0 14px;
  line-height: 1.7;
  color: var(--text);
}
.article-prose ul {
  margin: 0 0 16px;
  padding-left: 22px;
  line-height: 1.7;
}
.article-prose li { margin-bottom: 6px; }
.article-prose strong { color: var(--text); }
.article-prose a { color: var(--turq-2); text-underline-offset: 3px; }
.article-prose a:hover { text-decoration: underline; }

/* CTA strip uprostred článku */
.cta-strip {
  margin: 24px 0;
  padding: 18px;
  border-radius: var(--radius);
  background: linear-gradient(180deg, rgba(3,156,187,.18), rgba(255,255,255,.03));
  border: 1px solid rgba(3,156,187,.30);
  display: flex;
  gap: 14px;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
}
.cta-strip p { margin: 0; color: var(--text); }
.cta-strip .btn {
  background: var(--turq);
  border-color: transparent;
  color: #fff;
  font-weight: 700;
}
.cta-strip .btn:hover { background: #027a93; }

/* Súvisiace poistenia – grid kariet */
.related-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 14px;
}
.related-card {
  display: block;
  padding: 14px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: linear-gradient(180deg, rgba(255,255,255,.07), rgba(255,255,255,.03));
  text-decoration: none;
  color: inherit;
  transition: border-color .12s ease, transform .12s ease;
}
.related-card:hover {
  border-color: rgba(3,156,187,.45);
  transform: translateY(-2px);
}
.related-card .ricon { font-size: 22px; margin-bottom: 6px; }
.related-card .rtitle { font-weight: 700; font-size: 15px; margin-bottom: 3px; }
.related-card .rsub { font-size: 13px; color: var(--muted); }

@media (max-width: 720px) {
  .related-grid { grid-template-columns: 1fr; }
}