/* ===== CreditOn.finance — V6 "Rich Blue & Gold" Design System ===== */

/* ===== RESET & BASE ===== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Plus Jakarta Sans',sans-serif;color:#334155;background:#fff;line-height:1.6;overflow-x:hidden}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
button{cursor:pointer;border:none;font-family:inherit}
input[type="text"],input[type="tel"],input[type="email"],input[type="number"],textarea,select{font-family:inherit}

/* ===== CSS VARIABLES ===== */
:root{
  --primary:#1D4ED8;
  --primary-dark:#1E3A8A;
  --primary-darker:#162B7E;
  --primary-light:#2563EB;
  --navy:#0F1E56;
  --accent:#F59E0B;
  --accent-light:#FBBF24;
  --accent-dark:#D97706;
  --accent-glow:rgba(245,158,11,.4);
  --green:#16A34A;
  --green-dark:#15803D;
  --green-bg:#DCFCE7;
  --red:#DC2626;
  --red-bg:rgba(239,68,68,.06);
  --orange:#D97706;
  --orange-bg:#FEF3C7;
  --bg-soft:#F4F7FE;
  --bg-alt:#EFF4FF;
  --text-dark:#0F172A;
  --text-body:#334155;
  --text-muted:#64748B;
  --text-faint:#94A3B8;
  --text-light:rgba(255,255,255,.85);
  --border:#E3E9F5;
  --border-light:#EEF2FA;
  --shadow-sm:0 1px 3px rgba(15,30,86,.06);
  --shadow-blue:0 4px 24px rgba(30,58,138,.08);
  --shadow-blue-lg:0 20px 50px rgba(30,58,138,.16);
  --shadow-gold:0 8px 24px rgba(245,158,11,.35);
  --radius:16px;
  --radius-sm:12px;
  --radius-xs:10px;
  --transition:all .22s ease;
  --max-w:1180px;
}

/* ===== NAVIGATION ===== */
nav{position:fixed;top:0;left:0;right:0;z-index:900;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--border);transition:box-shadow .3s}
nav.scrolled{box-shadow:0 2px 20px rgba(30,58,138,.1)}
.nav-inner{max-width:var(--max-w);margin:0 auto;padding:0 24px;height:70px;display:flex;align-items:center;justify-content:space-between}
.logo{display:flex;align-items:center;gap:9px;font-weight:800;font-size:1.42rem;letter-spacing:-.02em}
.logo-ic{flex-shrink:0;display:block}
.logo-text{display:flex;align-items:baseline}
.l-credit{color:var(--primary-dark)}
.l-on{color:var(--accent)}
.l-tld{color:var(--text-faint);font-size:.85rem;font-weight:700;margin-left:2px}
.nav-links{display:flex;align-items:center;gap:6px}
.nav-links a{font-size:.9rem;font-weight:600;color:var(--text-body);padding:9px 14px;border-radius:10px;transition:var(--transition)}
.nav-links a:hover{color:var(--primary);background:var(--bg-alt)}
.nav-cta{background:linear-gradient(135deg,var(--accent-light),var(--accent));color:var(--navy)!important;padding:11px 22px!important;border-radius:12px!important;font-weight:800;font-size:.9rem;box-shadow:var(--shadow-gold);margin-left:10px}
.nav-cta:hover{transform:translateY(-1px);box-shadow:0 10px 28px rgba(245,158,11,.45);background:linear-gradient(135deg,var(--accent-light),var(--accent))!important;color:var(--navy)!important}
.nav-burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
.nav-burger span{display:block;width:24px;height:2.5px;background:var(--primary-dark);border-radius:2px;transition:var(--transition)}
.mob-menu{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;padding:18px 24px;box-shadow:0 16px 40px rgba(15,30,86,.15);border-bottom:3px solid var(--accent)}
.mob-menu.show{display:flex;flex-direction:column;gap:4px}
.mob-menu a{font-size:1rem;font-weight:700;color:var(--text-dark);padding:11px 8px;border-radius:8px}
.mob-menu a:hover{background:var(--bg-alt)}

/* ===== FOOTER ===== */
footer{background:var(--navy);color:rgba(255,255,255,.72);padding:58px 24px 0}
.footer-inner{max-width:var(--max-w);margin:0 auto}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1.1fr;gap:36px;margin-bottom:42px}
.footer-brand p{font-size:.87rem;line-height:1.7;margin-top:14px}
.footer-logo{font-weight:800;font-size:1.3rem;color:#fff;display:inline-flex;align-items:center;gap:8px}
.footer-logo .fl-on{color:var(--accent-light)}
.footer-logo .fl-tld{color:rgba(255,255,255,.45);font-size:.82rem;font-weight:700;margin-left:2px}
.footer-col h4{color:#fff;font-weight:800;margin-bottom:16px;font-size:.9rem;position:relative;padding-bottom:10px}
.footer-col h4::after{content:'';position:absolute;bottom:0;left:0;width:26px;height:3px;background:var(--accent);border-radius:2px}
.footer-col a{display:block;font-size:.87rem;margin-bottom:10px;transition:padding-left .2s,color .2s}
.footer-col a:hover{color:var(--accent-light);padding-left:4px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px}
.footer-bottom span{font-size:.8rem}
.footer-badges{display:flex;gap:10px;flex-wrap:wrap}
.f-badge{font-size:.76rem;display:flex;align-items:center;gap:7px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);padding:7px 13px;border-radius:999px;font-weight:600}
.disclaimer{background:#0A1638;padding:20px 24px;text-align:center}
.disclaimer p{max-width:900px;margin:0 auto;font-size:.75rem;color:rgba(255,255,255,.4);line-height:1.65}

/* ===== BREADCRUMB ===== */
.breadcrumb{padding:92px 24px 0;max-width:var(--max-w);margin:0 auto}
.breadcrumb ol{display:flex;gap:8px;list-style:none;font-size:.85rem;color:var(--text-muted);flex-wrap:wrap}
.breadcrumb a{color:var(--primary);font-weight:600}
.breadcrumb a:hover{text-decoration:underline}
.breadcrumb li::after{content:"›";margin-left:8px;color:#CBD5E1}
.breadcrumb li:last-child::after{display:none}
.breadcrumb li:last-child{color:var(--text-dark);font-weight:700}

/* ===== PAGE HERO ===== */
.page-hero{background:linear-gradient(140deg,#162B7E 0%,#1E3A8A 34%,#1D4ED8 72%,#2563EB 100%);padding:122px 24px 62px;color:#fff;text-align:center;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;top:-180px;right:-120px;width:560px;height:560px;background:radial-gradient(circle,rgba(251,191,36,.2),transparent 62%);pointer-events:none}
.page-hero::after{content:'';position:absolute;bottom:-200px;left:-140px;width:480px;height:480px;background:radial-gradient(circle,rgba(59,130,246,.32),transparent 65%);pointer-events:none}
.page-hero h1{font-size:clamp(1.6rem,3vw,2.4rem);font-weight:800;letter-spacing:-.02em;max-width:820px;margin:0 auto 16px;position:relative;z-index:1;line-height:1.2}
.page-hero p{font-size:1.05rem;color:var(--text-light);max-width:620px;margin:0 auto;position:relative;z-index:1}
.page-hero .hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);backdrop-filter:blur(6px);border:1px solid rgba(255,255,255,.22);padding:7px 16px;border-radius:999px;font-size:.8rem;font-weight:700;margin-bottom:16px;letter-spacing:.3px;position:relative;z-index:1}
.page-hero-sm{padding:102px 24px 42px}

/* ===== SECTION ===== */
.section-inner{max-width:var(--max-w);margin:0 auto;padding:64px 24px}
.section-title{text-align:center;margin-bottom:46px}
.section-title h2{font-size:clamp(1.5rem,2.5vw,2.1rem);font-weight:800;letter-spacing:-.02em;color:var(--text-dark);margin-bottom:10px}
.section-title h2::after{content:'';display:block;width:52px;height:4px;background:linear-gradient(90deg,var(--primary),var(--accent));border-radius:2px;margin:14px auto 0}
.section-title p{color:var(--text-muted);font-size:1rem;max-width:620px;margin:0 auto}

/* ===== CONTENT PAGE (Articles, Guides, Reviews) ===== */
.content-wrap{max-width:var(--max-w);margin:0 auto;padding:40px 24px 80px;display:grid;grid-template-columns:1fr 340px;gap:48px}
.content-main,.sidebar{min-width:0}
.content-main h1{font-size:clamp(1.5rem,2.5vw,2.15rem);font-weight:800;letter-spacing:-.02em;color:var(--text-dark);margin-bottom:16px;line-height:1.25}

/* Article meta bar */
.content-main .meta{display:flex;gap:8px 0;color:var(--text-muted);font-size:.82rem;margin-bottom:30px;flex-wrap:wrap;padding:13px 20px;background:#fff;border-radius:12px;border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.content-main .meta span{display:flex;align-items:center;gap:5px;font-weight:600;position:relative}
.content-main .meta span+span{padding-left:26px}
.content-main .meta span+span::before{content:'';position:absolute;left:11px;top:50%;transform:translateY(-50%);width:4px;height:4px;border-radius:50%;background:#CBD5E1}

/* Headings */
.content-main h2{font-size:1.5rem;font-weight:800;color:var(--text-dark);margin:44px 0 16px;padding-top:20px;padding-bottom:12px;border-bottom:2px solid var(--border);position:relative;letter-spacing:-.015em;scroll-margin-top:96px}
.content-main h2::after{content:'';position:absolute;bottom:-2px;left:0;width:52px;height:2px;background:linear-gradient(90deg,var(--primary),var(--accent))}
.content-main h3{font-size:1.15rem;font-weight:800;color:var(--text-dark);margin:30px 0 10px;padding-left:14px;border-left:3px solid var(--accent);scroll-margin-top:96px}

/* Body text */
.content-main p{color:var(--text-body);font-size:.95rem;line-height:1.85;margin-bottom:16px}
.content-main ul,.content-main ol{margin:12px 0 20px 20px;color:var(--text-body);font-size:.95rem;line-height:1.85}
.content-main li{margin-bottom:8px}
.content-main li strong{color:var(--text-dark)}
.content-main ul li::marker{color:var(--primary)}
.content-main ol li::marker{color:var(--primary);font-weight:800}
.content-main blockquote{border-left:4px solid var(--accent);padding:18px 24px 18px 58px;margin:24px 0;background:var(--bg-soft);border-radius:0 14px 14px 0;font-style:italic;color:var(--text-body);position:relative}
.content-main blockquote::before{content:'\201C';position:absolute;left:18px;top:8px;font-size:2.6rem;line-height:1;color:var(--accent);font-family:Georgia,serif;opacity:.55}

/* ===== TABLES ===== */
.content-main table{width:100%;border-collapse:separate;border-spacing:0;margin:24px 0;font-size:.88rem;border-radius:var(--radius-sm);overflow:hidden;border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.content-main th{background:linear-gradient(135deg,#162B7E,#1E3A8A);color:#fff;padding:13px 16px;text-align:left;font-weight:700;font-size:.74rem;text-transform:uppercase;letter-spacing:1px}
.content-main td{padding:12px 16px;border-bottom:1px solid var(--border-light);vertical-align:middle;transition:background .15s}
.content-main td:first-child{font-weight:700;color:var(--text-dark)}
.content-main tr:last-child td{border-bottom:none}
.content-main tbody tr:nth-child(even){background:var(--bg-soft)}
.content-main tbody tr:hover{background:var(--bg-alt)}

/* Highlight & Warning & Success boxes */
.content-main .highlight-box{background:linear-gradient(135deg,#F4F7FE,#EFF4FF);border:1px solid rgba(29,78,216,.16);border-left:4px solid var(--primary);border-radius:14px;padding:22px 26px;margin:28px 0;box-shadow:var(--shadow-sm)}
.content-main .highlight-box h4{color:var(--primary);font-weight:800;margin-bottom:10px;font-size:1rem;display:flex;align-items:center;gap:9px}
.content-main .highlight-box h4::before{content:'i';font-family:Georgia,serif;font-style:italic;width:22px;height:22px;border-radius:50%;background:var(--primary);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:800;flex-shrink:0}
.content-main .highlight-box p,.content-main .highlight-box li{color:var(--text-body);font-size:.92rem}
.content-main .warning-box{background:linear-gradient(135deg,rgba(239,68,68,.03),rgba(239,68,68,.07));border:1px solid rgba(239,68,68,.18);border-left:4px solid var(--red);border-radius:14px;padding:22px 26px;margin:28px 0;box-shadow:var(--shadow-sm)}
.content-main .warning-box h4{color:var(--red);font-weight:800;margin-bottom:10px;font-size:1rem;display:flex;align-items:center;gap:9px}
.content-main .warning-box h4::before{content:'!';width:22px;height:22px;border-radius:50%;background:var(--red);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:800;flex-shrink:0}
.content-main .warning-box p{color:var(--text-body);font-size:.92rem}
.content-main .success-box{background:linear-gradient(135deg,rgba(22,163,74,.04),rgba(22,163,74,.08));border:1px solid rgba(22,163,74,.18);border-left:4px solid var(--green);border-radius:14px;padding:22px 26px;margin:28px 0;box-shadow:var(--shadow-sm)}
.content-main .success-box h4{color:var(--green);font-weight:800;margin-bottom:10px;font-size:1rem;display:flex;align-items:center;gap:9px}
.content-main .success-box h4::before{content:'\2713';width:22px;height:22px;border-radius:50%;background:var(--green);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:800;flex-shrink:0}

/* Inline CTA */
.content-main .cta-inline{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,var(--accent-light),var(--accent));color:var(--navy);padding:14px 28px;border-radius:var(--radius-sm);font-weight:800;font-size:.95rem;margin:24px 0;box-shadow:var(--shadow-gold);transition:var(--transition)}
.content-main .cta-inline:hover{transform:translateY(-2px);box-shadow:0 12px 32px var(--accent-glow)}

/* ===== SIDEBAR ===== */
.sidebar{position:sticky;top:90px;align-self:start}
.sidebar-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px;margin-bottom:20px;box-shadow:var(--shadow-sm);transition:var(--transition)}
.sidebar-card:hover{box-shadow:var(--shadow-blue)}
.sidebar-card h3{font-size:.95rem;font-weight:800;margin-bottom:16px;color:var(--text-dark);padding-bottom:10px;border-bottom:2px solid var(--bg-alt)}
.sidebar-card ul{list-style:none}
.sidebar-card li{margin-bottom:0;border-bottom:1px solid var(--border-light)}
.sidebar-card li:last-child{border-bottom:none}
.sidebar-card li a{display:flex;align-items:center;gap:8px;font-size:.88rem;color:var(--text-body);font-weight:600;padding:10px 0;transition:var(--transition)}
.sidebar-card li a:hover{color:var(--primary);padding-left:6px}
.sidebar-card li a::before{content:'›';color:var(--accent);font-weight:800;font-size:1.1rem;transition:transform .2s}
.sidebar-card li a:hover::before{transform:translateX(3px)}
.sidebar-cta{background:linear-gradient(140deg,#162B7E,#1E3A8A 55%,#1D4ED8);color:#fff;border-radius:var(--radius);padding:28px;text-align:center;margin-bottom:20px;position:relative;overflow:hidden}
.sidebar-cta::before{content:'';position:absolute;top:-40px;right:-40px;width:140px;height:140px;background:radial-gradient(circle,rgba(251,191,36,.2),transparent 70%);pointer-events:none}
.sidebar-cta h3{font-size:1.1rem;font-weight:800;margin-bottom:8px;color:#fff;position:relative}
.sidebar-cta p{font-size:.88rem;color:var(--text-light);margin-bottom:16px;position:relative}
.sidebar-cta a{display:inline-block;background:linear-gradient(135deg,var(--accent-light),var(--accent));color:var(--navy);padding:12px 26px;border-radius:12px;font-weight:800;font-size:.9rem;box-shadow:var(--shadow-gold);transition:var(--transition);position:relative}
.sidebar-cta a:hover{transform:translateY(-2px)}

/* Quick facts sidebar card */
.sidebar-facts{background:#fff;border:2px solid var(--primary-dark);border-radius:var(--radius);overflow:hidden;margin-bottom:20px}
.sidebar-facts h3{background:linear-gradient(135deg,#162B7E,#1E3A8A);color:#fff;padding:14px 20px;font-size:.92rem;font-weight:800;margin:0}
.sidebar-facts ul{list-style:none;padding:0;margin:0}
.sidebar-facts li{display:flex;justify-content:space-between;align-items:center;padding:12px 20px;font-size:.88rem;border-bottom:1px solid var(--border-light)}
.sidebar-facts li:last-child{border-bottom:none}
.sidebar-facts li strong{color:var(--text-dark);font-weight:800}
.sidebar-facts li span{color:var(--primary);font-weight:700}

/* ===== CARDS GRID ===== */
.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:30px 28px;transition:var(--transition);display:flex;flex-direction:column;position:relative;overflow:hidden;box-shadow:var(--shadow-sm)}
.card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--primary),var(--accent));opacity:0;transition:opacity .25s}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-blue-lg);border-color:rgba(29,78,216,.14)}
.card:hover::before{opacity:1}
.card-icon{font-size:1.7rem;margin-bottom:16px;width:54px;height:54px;display:flex;align-items:center;justify-content:center;background:var(--bg-alt);border-radius:15px;filter:saturate(1.2)}
.cards-grid .card:nth-child(3n+1) .card-icon{background:var(--bg-alt)}
.cards-grid .card:nth-child(3n+2) .card-icon{background:#FEF3C7}
.cards-grid .card:nth-child(3n) .card-icon{background:var(--green-bg)}
.card h3{font-size:1.05rem;font-weight:800;margin-bottom:8px;color:var(--text-dark)}
.card h3 a{color:var(--text-dark);transition:color .2s}
.card h3 a:hover{color:var(--primary)}
.card p{font-size:.89rem;color:var(--text-muted);line-height:1.65;flex:1}
.card .card-link{margin-top:16px;color:var(--primary);font-weight:700;font-size:.88rem;display:flex;align-items:center;gap:7px;transition:gap .2s}
.card .card-link:hover{gap:11px}
.card .card-link::after{content:'→'}

/* ===== REVIEW COMPONENTS ===== */
.review-hero{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:start;padding:28px;background:#fff;border:1px solid var(--border);border-radius:var(--radius);margin-bottom:8px;box-shadow:var(--shadow-sm)}
.review-hero > div:first-child p{font-size:.95rem;color:var(--text-body);line-height:1.8}
/* Velké logo poskytovatele v obdélníkovém rámečku (hero recenze) */
.review-logo{display:inline-flex;align-items:center;justify-content:center;width:200px;height:96px;padding:14px 20px;background:#fff;border:1px solid var(--border);border-radius:var(--radius-sm);box-shadow:var(--shadow-sm);margin-bottom:20px}
.review-logo img{max-width:100%;max-height:100%;width:auto;height:auto;object-fit:contain;display:block}
/* Affiliate / reklamní sdělení disclaimer u CTA */
.aff-note{display:flex;align-items:center;gap:7px;font-size:.74rem;color:var(--text-muted);background:var(--bg-soft);border:1px solid var(--border-light);border-radius:8px;padding:8px 12px;margin:16px 0 8px;line-height:1.5}
.aff-note svg{flex-shrink:0;opacity:.7}
.aff-note a{color:var(--primary);text-decoration:underline}
/* Přímá odpověď pro featured snippet / AEO (hned pod nadpisem, před obsahem) */
.answer-lead{font-size:1rem;line-height:1.7;color:var(--text-dark);background:linear-gradient(90deg,var(--bg-alt),#fff 70%);border-left:4px solid var(--primary);border-radius:0 10px 10px 0;padding:14px 18px;margin:4px 0 20px}
.answer-lead strong{color:var(--text-dark)}
.review-score{text-align:center;padding:24px 32px;background:linear-gradient(140deg,#162B7E,#1E3A8A 55%,#1D4ED8);border-radius:var(--radius);color:#fff;min-width:140px}
.review-score .score{font-size:3.2rem;font-weight:800;line-height:1}
.review-score .score-label{font-size:.82rem;opacity:.8;margin-top:4px;font-weight:600}
.review-score .score-stars{color:var(--accent-light);font-size:1rem;margin-top:6px;letter-spacing:2px}

/* Pros & Cons */
.review-pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:32px 0}
.pros,.cons{border-radius:var(--radius);overflow:hidden;border:1px solid var(--border);background:#fff}
.pros h4,.cons h4{padding:14px 20px;font-size:.92rem;font-weight:800;margin:0}
.pros h4{background:var(--green-bg);color:var(--green-dark);border-bottom:2px solid rgba(22,163,74,.2)}
.cons h4{background:var(--red-bg);color:var(--red);border-bottom:2px solid rgba(239,68,68,.2)}
.pros ul,.cons ul{list-style:none;padding:0;margin:0}
.pros li,.cons li{padding:10px 20px;font-size:.9rem;border-bottom:1px solid var(--border-light);display:flex;align-items:flex-start;gap:9px}
.pros li:last-child,.cons li:last-child{border-bottom:none}
.pros li::before{content:"✓";color:var(--green);font-weight:800;flex-shrink:0}
.cons li::before{content:"✕";color:var(--red);font-weight:800;flex-shrink:0}

/* ===== COMPARISON TABLE ===== */
.compare-table{width:100%;border-collapse:separate;border-spacing:0;margin:24px 0;font-size:.88rem;border-radius:var(--radius-sm);overflow:hidden;border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.compare-table th{background:linear-gradient(135deg,#162B7E,#1E3A8A);color:#fff;padding:13px 14px;text-align:left;font-weight:700;white-space:nowrap;font-size:.72rem;text-transform:uppercase;letter-spacing:1px}
.compare-table td{padding:13px 14px;border-bottom:1px solid var(--border-light);vertical-align:middle}
.compare-table tbody tr:last-child td{border-bottom:none}
.compare-table tbody tr{transition:background .15s}
.compare-table tbody tr:hover{background:var(--bg-soft)}
.compare-table .lender-name{font-weight:800;color:var(--text-dark);font-size:.92rem}
/* Logo poskytovatele v porovnávací tabulce (obdélníkový rámeček) */
.compare-table .lender-cell{display:flex;align-items:center;gap:12px;text-decoration:none;color:inherit}
.compare-table a.lender-cell:hover .lender-name{color:var(--primary);text-decoration:underline}
.lender-logo{width:104px;height:52px;flex-shrink:0;border:1px solid var(--border);border-radius:10px;background:#fff;display:flex;align-items:center;justify-content:center;padding:7px 10px;box-shadow:var(--shadow-sm)}
.lender-logo img{max-width:100%;max-height:100%;width:auto;height:auto;object-fit:contain;display:block}
.compare-table tr.recommended .lender-logo{border-color:#FDE9B8}
.compare-table .badge,.badge{display:inline-block;padding:5px 11px;border-radius:8px;font-size:.76rem;font-weight:700}
.badge-green{background:var(--green-bg);color:var(--green-dark)}
.badge-blue{background:var(--bg-alt);color:var(--primary)}
.badge-orange{background:var(--orange-bg);color:var(--orange)}
.badge-red{background:var(--red-bg);color:var(--red)}

/* Recommended row */
.compare-table tr.recommended{background:linear-gradient(90deg,#FFFBEB,#FEF9EC 60%,#fff)!important}
.compare-table tr.recommended td{border-bottom:1px solid #FDE9B8}
.compare-table tr.recommended td:first-child{border-left:4px solid var(--accent)}

/* Rich table cells (offer tables) */
.compare-table .p-flex{display:flex;align-items:center;gap:12px}
.compare-table .tbl-logo{display:flex;width:112px;height:46px;background:#fff;border:1px solid var(--border);border-radius:10px;align-items:center;justify-content:center;padding:5px 8px;flex-shrink:0}
.compare-table .tbl-logo img{max-height:32px;max-width:94px;object-fit:contain}
.compare-table .p-nm{font-weight:800;color:var(--text-dark);font-size:.92rem;line-height:1.3}
.compare-table .rectag{display:inline-flex;align-items:center;gap:4px;background:linear-gradient(135deg,var(--accent-light),var(--accent));color:var(--navy);font-size:.64rem;font-weight:800;text-transform:uppercase;letter-spacing:.6px;padding:3px 9px;border-radius:999px;margin-top:3px}
.cell-sub{display:block;font-size:.72rem;color:var(--text-faint);font-weight:600;margin-top:4px;text-transform:none;letter-spacing:0}
.t-time{display:inline-flex;align-items:center;gap:6px;font-weight:700;color:var(--text-dark);font-size:.86rem}
.tbl-cta{display:inline-block;background:linear-gradient(135deg,var(--accent-light),var(--accent));color:var(--navy)!important;font-weight:800;font-size:.8rem;padding:9px 15px;border-radius:10px;box-shadow:0 4px 14px rgba(245,158,11,.3);transition:var(--transition);white-space:nowrap}
.tbl-cta:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(245,158,11,.45)}
.tbl-score{display:flex;align-items:center;gap:8px}
.tbl-score b{font-size:1.12rem;font-weight:800;color:var(--text-dark)}
.tbl-score .sb{width:48px;height:6px;border-radius:3px;background:var(--bg-alt);overflow:hidden}
.tbl-score .sb i{display:block;height:100%;border-radius:3px;background:linear-gradient(90deg,var(--accent),var(--accent-light))}

/* ===== CALCULATOR ===== */
.calc-page{max-width:700px;margin:0 auto}
.calc-box{background:#fff;border:1px solid var(--border);border-radius:22px;padding:36px;box-shadow:var(--shadow-blue-lg);position:relative;overflow:hidden}
.calc-box::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--primary),var(--accent))}
.calc-field{margin-bottom:28px}
.calc-field label{font-size:.8rem;font-weight:700;color:var(--text-muted);margin-bottom:8px;display:block}
.calc-val{font-size:1.7rem;font-weight:800;color:var(--primary-dark);margin-bottom:12px;letter-spacing:-.01em}
.calc-val small{font-size:.9rem;color:var(--text-muted);font-weight:700}
input[type="range"]{-webkit-appearance:none;appearance:none;width:100%;height:10px;border-radius:6px;outline:none;background:linear-gradient(to right,var(--accent) 0%,var(--accent) var(--pct,50%),#E8EDF8 var(--pct,50%),#E8EDF8 100%);cursor:pointer}
input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;border:7px solid var(--primary);box-shadow:0 3px 10px rgba(29,78,216,.35);cursor:pointer;transition:transform .15s}
input[type="range"]::-webkit-slider-thumb:hover{transform:scale(1.12)}
input[type="range"]::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:#fff;border:7px solid var(--primary);box-shadow:0 3px 10px rgba(29,78,216,.35);cursor:pointer}
.slider-labels{display:flex;justify-content:space-between;font-size:.74rem;color:var(--text-faint);font-weight:600;margin-top:7px}
.calc-result{background:linear-gradient(135deg,#F0FDF4,#DCFCE7);border:1.5px solid #BBF7D0;border-radius:var(--radius);padding:24px;margin-top:24px}
.calc-result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.calc-result-item{text-align:center;padding:18px 16px;background:#fff;border-radius:var(--radius-sm);border:1px solid var(--border);transition:var(--transition)}
.calc-result-item:hover{border-color:var(--primary);box-shadow:var(--shadow-sm)}
.calc-result-item .val{font-size:1.3rem;font-weight:800;color:var(--green-dark)}
.calc-result-item .lbl{font-size:.78rem;color:var(--text-muted);font-weight:600;margin-top:4px}
.calc-cta{margin-top:20px;width:100%;padding:17px;background:linear-gradient(135deg,var(--accent-light),var(--accent));color:var(--navy);border-radius:14px;font-weight:800;font-size:1.02rem;box-shadow:var(--shadow-gold);transition:var(--transition)}
.calc-cta:hover{transform:translateY(-2px);box-shadow:0 14px 34px var(--accent-glow)}
.amort-table{width:100%;border-collapse:separate;border-spacing:0;margin-top:24px;font-size:.85rem;border-radius:var(--radius-sm);overflow:hidden;border:1px solid var(--border)}
.amort-table th{background:linear-gradient(135deg,#162B7E,#1E3A8A);color:#fff;padding:10px 12px;font-weight:700;text-align:center;font-size:.72rem;text-transform:uppercase;letter-spacing:.8px}
.amort-table td{padding:8px 12px;text-align:center;border-bottom:1px solid var(--border-light)}
.amort-table tbody tr:nth-child(even){background:var(--bg-soft)}

/* ===== FAQ ===== */
.faq-list{max-width:780px;margin:0 auto;display:flex;flex-direction:column;gap:13px}
.faq-item{background:#fff;border-radius:14px;overflow:hidden;border:1px solid var(--border);transition:var(--transition)}
.faq-item:hover{border-color:rgba(29,78,216,.18)}
.faq-item.open{border-color:var(--primary);box-shadow:var(--shadow-blue)}
.faq-q{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:19px 24px;cursor:pointer;font-weight:700;font-size:.98rem;color:var(--text-dark);transition:var(--transition)}
.faq-q:hover{color:var(--primary)}
.faq-q .faq-icon{font-size:1.15rem;color:var(--primary);transition:transform .25s,background .25s,color .25s;min-width:30px;height:30px;display:flex;align-items:center;justify-content:center;background:var(--bg-alt);border-radius:50%;text-align:center;flex-shrink:0}
.faq-item.open .faq-icon{transform:rotate(45deg);background:var(--primary);color:#fff}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.open .faq-a{max-height:500px}
.faq-a p{padding:0 24px 20px;font-size:.91rem;color:var(--text-muted);line-height:1.7}

/* ===== GLOSSARY ===== */
.glossary-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px}
.glossary-item{background:#fff;border-radius:var(--radius-sm);padding:22px;border:1px solid var(--border);border-left:4px solid var(--accent);transition:var(--transition);box-shadow:var(--shadow-sm)}
.glossary-item:hover{box-shadow:var(--shadow-blue);transform:translateY(-2px)}
.glossary-item h3{font-size:.95rem;font-weight:800;margin-bottom:6px}
.glossary-item h3 a{color:var(--primary);transition:color .2s}
.glossary-item h3 a:hover{color:var(--primary-dark)}
.glossary-item p{font-size:.85rem;color:var(--text-muted);line-height:1.6}

/* ===== CONTACT FORM ===== */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px}
.contact-form{display:flex;flex-direction:column;gap:16px}
.form-group label{display:block;font-size:.8rem;font-weight:700;color:var(--text-muted);margin-bottom:6px}
.form-group input,.form-group textarea,.form-group select{width:100%;padding:14px 16px;border:2px solid var(--border);border-radius:var(--radius-sm);font-size:.95rem;font-weight:600;color:var(--text-dark);transition:border-color .2s,box-shadow .2s;outline:none;background:#fff}
.form-group input:focus,.form-group textarea:focus,.form-group select:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(29,78,216,.08)}
.form-group textarea{min-height:120px;resize:vertical}
.contact-info{display:flex;flex-direction:column;gap:20px}
.contact-item{display:flex;gap:16px;align-items:flex-start;padding:16px;background:var(--bg-soft);border-radius:var(--radius-sm);border:1px solid var(--border);transition:var(--transition)}
.contact-item:hover{border-color:rgba(29,78,216,.18);box-shadow:var(--shadow-sm)}
.contact-item .ci-icon{width:48px;height:48px;min-width:48px;background:var(--bg-alt);border-radius:13px;display:flex;align-items:center;justify-content:center;font-size:1.3rem}
.contact-item h4{font-weight:800;font-size:.95rem;margin-bottom:2px;color:var(--text-dark)}
.contact-item p{font-size:.88rem;color:var(--text-muted)}

/* ===== CTA SECTION ===== */
.cta-section{background:linear-gradient(140deg,#162B7E 0%,#1E3A8A 45%,#1D4ED8 100%);padding:68px 24px;text-align:center;color:#fff;position:relative;overflow:hidden}
.cta-section::before{content:'';position:absolute;top:-140px;right:-80px;width:420px;height:420px;background:radial-gradient(circle,rgba(251,191,36,.2),transparent 65%);pointer-events:none}
.cta-section h2{font-size:clamp(1.4rem,2.5vw,1.9rem);font-weight:800;letter-spacing:-.02em;margin-bottom:12px;position:relative}
.cta-section p{color:var(--text-light);margin-bottom:28px;font-size:1rem;position:relative}
.btn-white{display:inline-block;background:#fff;color:var(--primary-dark);padding:15px 38px;border-radius:14px;font-weight:800;font-size:1rem;box-shadow:0 4px 20px rgba(0,0,0,.15);transition:var(--transition);position:relative}
.btn-white:hover{transform:translateY(-2px);box-shadow:0 8px 32px rgba(0,0,0,.2)}
.btn-primary{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,var(--accent-light),var(--accent));color:var(--navy);padding:15px 30px;border-radius:14px;font-weight:800;font-size:.98rem;box-shadow:var(--shadow-gold);transition:var(--transition);position:relative}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 34px var(--accent-glow)}

/* ===== TABLE OF CONTENTS ===== */
.toc{background:#fff;border:1px solid var(--border);border-radius:16px;padding:24px 28px;margin:28px 0;box-shadow:var(--shadow-sm);position:relative;overflow:hidden}
.toc::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--primary),var(--accent))}
.toc h4{font-size:.78rem;font-weight:800;color:var(--text-muted);margin-bottom:14px;display:flex;align-items:center;gap:8px;text-transform:uppercase;letter-spacing:1.5px}
.toc ol{margin:0 0 0 20px;padding:0;columns:2;column-gap:44px}
.toc li{margin-bottom:9px;font-size:.9rem;break-inside:avoid;padding-left:4px}
.toc li::marker{color:var(--accent);font-weight:800}
.toc a{color:var(--text-body);font-weight:600;transition:color .2s}
.toc a:hover{color:var(--primary)}

/* ===== STATS ROW ===== */
.stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:24px 0}
.stats-row .stat{text-align:center;padding:22px 14px;background:#fff;border-radius:var(--radius-sm);border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.stats-row .stat-val{font-size:1.42rem;font-weight:800;color:var(--primary-dark);line-height:1.15;letter-spacing:-.01em}
.stats-row .stat-lbl{font-size:.78rem;color:var(--text-muted);margin-top:6px;font-weight:600}

/* ===== LENDER CARD ===== */
.lender-cards{display:flex;flex-direction:column;gap:20px;margin:24px 0}
.lender-card{border:1px solid var(--border);border-radius:18px;padding:26px 30px;display:grid;grid-template-columns:auto 1fr auto;gap:26px;align-items:center;transition:var(--transition);background:#fff;box-shadow:var(--shadow-sm);position:relative}
.lender-card:hover{border-color:rgba(29,78,216,.16);box-shadow:var(--shadow-blue-lg);transform:translateY(-3px)}
.lender-card.featured{border:2px solid var(--accent);box-shadow:0 16px 44px rgba(245,158,11,.16)}
.lender-card.featured::after{content:'Doporučujeme';position:absolute;top:-12px;left:28px;background:linear-gradient(135deg,var(--accent-light),var(--accent));color:var(--navy);padding:5px 14px;border-radius:999px;font-size:.68rem;font-weight:800;letter-spacing:1px;text-transform:uppercase;box-shadow:0 4px 12px rgba(245,158,11,.4)}
.lender-card .lender-logo{width:170px;height:72px;border-radius:12px;background:#fff;border:1px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:1.6rem;padding:10px 14px}
.lender-card .lender-logo img{max-height:52px;max-width:142px;object-fit:contain}
.lender-card .lender-info h3{font-size:1.12rem;font-weight:800;color:var(--text-dark);margin-bottom:5px}
.lender-card .lender-info p{font-size:.87rem;color:var(--text-muted)}
.lender-card .lender-meta{display:flex;gap:8px;margin-top:10px;flex-wrap:wrap}
.lender-card .lender-meta span{font-size:.76rem;font-weight:700;padding:5px 12px;border-radius:8px;background:var(--bg-alt);color:var(--primary-dark)}
.lender-card .lender-action{text-align:center;min-width:150px}
.lender-card .lender-action .score{font-size:1.55rem;font-weight:800;color:var(--text-dark)}
.lender-card .lender-action .score-sub{font-size:.73rem;color:var(--text-faint);font-weight:600}
.lender-card .lender-action .btn-sm{display:inline-block;margin-top:10px;padding:11px 22px;background:linear-gradient(135deg,var(--accent-light),var(--accent));color:var(--navy);border-radius:12px;font-size:.84rem;font-weight:800;transition:var(--transition);box-shadow:0 4px 14px rgba(245,158,11,.3)}
.lender-card .lender-action .btn-sm:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(245,158,11,.45)}

/* ===== STEP CARDS ===== */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin:24px 0;counter-reset:step}
.step{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px;position:relative;counter-increment:step;padding-top:52px;box-shadow:var(--shadow-sm);transition:var(--transition)}
.step:hover{transform:translateY(-3px);box-shadow:var(--shadow-blue)}
.step::before{content:counter(step);position:absolute;top:18px;left:22px;width:30px;height:30px;background:linear-gradient(135deg,#1E3A8A,#2563EB);color:#fff;border-radius:9px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.85rem;box-shadow:0 4px 12px rgba(30,58,138,.3)}
.step h4{font-weight:800;font-size:.95rem;margin-bottom:6px;color:var(--text-dark)}
.step p{font-size:.85rem;color:var(--text-muted);line-height:1.6}

/* ===== READING PROGRESS BAR ===== */
.read-progress{position:fixed;top:0;left:0;height:3px;z-index:1000;background:linear-gradient(90deg,var(--primary),var(--accent));width:0;border-radius:0 2px 2px 0;pointer-events:none}

/* ===== RESPONSIVE ===== */
@media(max-width:960px){
  .content-wrap{grid-template-columns:1fr}
  .sidebar{position:static;order:2}
  .review-hero{grid-template-columns:1fr}
  .review-pros-cons{grid-template-columns:1fr}
  .stats-row{grid-template-columns:repeat(2,1fr)}
  .lender-card{grid-template-columns:1fr;text-align:center}
  .lender-card .lender-logo{margin:0 auto}
  .lender-card .lender-meta{justify-content:center}
  .lender-card .lender-action{text-align:center;min-width:0}
}
@media(max-width:960px){
  .footer-grid{grid-template-columns:1fr 1fr 1fr}
}
@media(max-width:768px){
  .nav-links{display:none}
  .nav-burger{display:flex}
  .cards-grid{grid-template-columns:1fr}
  .toc ol{columns:1}
  .content-main table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  .calc-result-grid{grid-template-columns:1fr}
  .compare-table{display:block;overflow-x:auto}
  .steps{grid-template-columns:1fr}
  /* Offer tables (with provider logos) -> stacked cards */
  .compare-table:has(.tbl-logo){display:block;border:none;box-shadow:none;background:transparent;overflow:visible}
  .compare-table:has(.tbl-logo) thead{display:none}
  .compare-table:has(.tbl-logo) tbody{display:block}
  .compare-table:has(.tbl-logo) tbody tr{display:flex;flex-wrap:wrap;align-items:center;background:#fff;border:1.5px solid var(--border);border-radius:16px;margin-bottom:14px;padding:16px 16px 14px;box-shadow:var(--shadow-sm)}
  .compare-table:has(.tbl-logo) tbody tr:hover{background:#fff}
  .compare-table:has(.tbl-logo) tr.recommended{border:2px solid var(--accent);background:linear-gradient(180deg,#FFFBEB,#fff 70%)!important}
  .compare-table:has(.tbl-logo) tbody td{display:block;border-bottom:none;padding:0 8px 12px 0;white-space:normal;font-size:.88rem;width:50%}
  .compare-table:has(.tbl-logo) tbody td:first-child{width:100%;padding:0 0 12px;border-bottom:1px solid var(--border-light);margin-bottom:12px}
  .compare-table:has(.tbl-logo) tr.recommended td{border-bottom:none}
  .compare-table:has(.tbl-logo) tr.recommended td:first-child{border-left:none;padding-left:0;border-bottom:1px solid #FDE9B8}
  .compare-table:has(.tbl-logo) tbody td:nth-child(6){width:45%;padding-bottom:0}
  .compare-table:has(.tbl-logo) tbody td:last-child{width:55%;text-align:right;padding-bottom:0}
  .compare-table:has(.tbl-logo) .tbl-cta{display:block;text-align:center;padding:12px}
}
@media(max-width:480px){
  .page-hero{padding:102px 16px 42px}
  .page-hero h1{font-size:1.4rem}
  .section-inner{padding:44px 16px}
  .content-wrap{padding:24px 16px 60px}
  .stats-row{grid-template-columns:1fr}
  .calc-box{padding:26px 20px}
}