/* ============================================================
   hypoteky.com — shared styles
   Aesthetic: warm minimalism, Fraunces serif, emerald accent
   ============================================================ */

:root {
  --bg: #FAFAF5;
  --surface: #FFFFFF;
  --surface-2: #F4F1E9;
  --surface-3: #EEEAE0;
  --ink: #0E0E0C;
  --ink-2: #4A4845;
  --ink-3: #8B8980;
  --line: #E8E3D7;
  --line-2: #D8D3C5;
  --accent: #0E5C4A;
  --accent-2: #18876D;
  --accent-soft: #DBEDE5;
  --accent-faint: #F0F7F3;
  --warning: #C97B2A;
  --warning-soft: #FBEBD3;
  --danger: #B83D2C;
  --danger-soft: #F8DCD4;
  --good: #18876D;
  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --shadow-sm: 0 1px 2px rgba(20, 20, 20, 0.04);
  --shadow: 0 1px 3px rgba(20, 20, 20, 0.04), 0 8px 24px -8px rgba(20, 20, 20, 0.06);
  --shadow-lg: 0 1px 3px rgba(20, 20, 20, 0.05), 0 24px 48px -12px rgba(20, 20, 20, 0.1);
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Geist", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-mono: "Geist Mono", "SF Mono", "Menlo", monospace;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

* , *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.55;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  min-height: 100vh;
  font-feature-settings: "ss01", "cv11";
}
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; border: none; background: none; }
a { color: var(--accent); }

.container { max-width: 1240px; margin: 0 auto; padding: 0 32px; }
.container-narrow { max-width: 880px; margin: 0 auto; padding: 0 32px; }
@media (max-width: 720px) {
  .container, .container-narrow { padding: 0 20px; }
}

/* ===== HEADER ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: saturate(180%) blur(20px);
  -webkit-backdrop-filter: saturate(180%) blur(20px);
  background: color-mix(in srgb, var(--bg) 80%, transparent);
  border-bottom: 1px solid color-mix(in srgb, var(--line) 60%, transparent);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--ink);
}
.logo-mark {
  width: 36px;
  height: 36px;
  flex-shrink: 0;
  transition: transform 0.2s var(--ease);
}
.logo:hover .logo-mark { transform: rotate(-3deg); }
.logo-text {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 500;
  letter-spacing: -0.035em;
  line-height: 1;
  font-variation-settings: "opsz" 36;
}
.logo-text em {
  font-style: italic;
  font-weight: 400;
  color: var(--accent);
}
.logo-tld {
  color: var(--ink-3);
  font-weight: 400;
  font-size: 18px;
  margin-left: 1px;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 4px;
}
.main-nav a {
  padding: 8px 14px;
  font-size: 14px;
  font-weight: 500;
  color: var(--ink-2);
  text-decoration: none;
  border-radius: 10px;
  transition: all 0.18s var(--ease);
  letter-spacing: -0.005em;
}
.main-nav a:hover { background: var(--surface-2); color: var(--ink); }
.main-nav a.active { background: var(--accent-soft); color: var(--accent); }

.menu-toggle { display: none; }
@media (max-width: 920px) {
  .main-nav {
    display: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    flex-direction: column;
    gap: 0;
    background: var(--surface);
    border-bottom: 1px solid var(--line);
    padding: 12px;
    box-shadow: var(--shadow);
    align-items: stretch;
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 12px 14px; }
  .menu-toggle {
    display: grid;
    place-items: center;
    width: 40px;
    height: 40px;
    border-radius: 10px;
    color: var(--ink);
  }
  .menu-toggle:hover { background: var(--surface-2); }
}

/* ===== HERO ===== */
.hero {
  padding: 80px 0 56px;
  text-align: center;
  position: relative;
}
@media (max-width: 720px) { .hero { padding: 48px 0 32px; } }

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  background: var(--accent-soft);
  color: var(--accent);
  border-radius: 100px;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 24px;
  letter-spacing: -0.005em;
}
.hero-eyebrow .dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent-2);
  animation: pulse 2s var(--ease) infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.85); }
}

.hero h1 {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(40px, 6vw, 76px);
  line-height: 1.02;
  letter-spacing: -0.035em;
  color: var(--ink);
  max-width: 920px;
  margin: 0 auto;
  font-variation-settings: "opsz" 96;
}
.hero h1 em {
  font-style: italic;
  font-weight: 300;
  color: var(--accent);
}
.hero-sub {
  margin-top: 24px;
  font-size: clamp(16px, 2vw, 19px);
  color: var(--ink-2);
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.55;
}

/* Section heading (used on subpages) */
.page-eyebrow {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 12px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--accent);
  margin-bottom: 14px;
}

/* ===== SECTIONS ===== */
.section { padding: 64px 0; }
.section-tight { padding: 48px 0; }
.section-title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(28px, 4vw, 40px);
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin-bottom: 12px;
  font-variation-settings: "opsz" 48;
}
.section-title em { font-style: italic; color: var(--accent); }
.section-sub {
  color: var(--ink-2);
  font-size: 17px;
  max-width: 640px;
}

/* ===== TOOL CARDS (landing) ===== */
.tools-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 40px;
}
@media (max-width: 980px) {
  .tools-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 580px) {
  .tools-grid { grid-template-columns: 1fr; }
}
.tool-card {
  display: block;
  padding: 28px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  text-decoration: none;
  color: inherit;
  transition: all 0.25s var(--ease);
  position: relative;
  overflow: hidden;
}
.tool-card:hover {
  border-color: var(--accent);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}
.tool-card-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--accent-faint);
  color: var(--accent);
  display: grid;
  place-items: center;
  margin-bottom: 16px;
}
.tool-card-icon svg { width: 22px; height: 22px; }
.tool-card h3 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 22px;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
  font-variation-settings: "opsz" 28;
}
.tool-card p {
  color: var(--ink-2);
  font-size: 15px;
  line-height: 1.55;
  margin-bottom: 16px;
}
.tool-card-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--accent);
  font-size: 14px;
  font-weight: 500;
}
.tool-card:hover .tool-card-arrow svg { transform: translateX(3px); }
.tool-card-arrow svg { width: 14px; height: 14px; transition: transform 0.2s var(--ease); }

/* ===== TRUST STRIP ===== */
.trust-strip {
  display: inline-flex;
  align-items: center;
  gap: 20px;
  margin-top: 32px;
  padding: 12px 24px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 100px;
  box-shadow: var(--shadow-sm);
  font-size: 13px;
  color: var(--ink-2);
  flex-wrap: wrap;
  justify-content: center;
}
.trust-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 500;
}
.trust-item svg { width: 14px; height: 14px; color: var(--accent); }
.trust-divider { width: 1px; height: 14px; background: var(--line-2); }
@media (max-width: 720px) {
  .trust-strip { flex-direction: column; border-radius: var(--radius); gap: 10px; padding: 14px 20px; }
  .trust-divider { display: none; }
}

/* ===== CALC LAYOUT ===== */
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 460px;
  gap: 32px;
}
@media (max-width: 980px) { .calc-grid { grid-template-columns: 1fr; } }

.panel {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
}
@media (max-width: 720px) { .panel { padding: 24px 20px; border-radius: var(--radius); } }

.panel-title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 24px;
  letter-spacing: -0.025em;
  margin-bottom: 4px;
  font-variation-settings: "opsz" 24;
}
.panel-subtitle {
  font-size: 14px;
  color: var(--ink-3);
  margin-bottom: 28px;
}

/* ===== INPUTS ===== */
.input-group { margin-bottom: 24px; }
.input-group:last-child { margin-bottom: 0; }
.input-header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: 12px;
  gap: 12px;
}
.input-label {
  font-size: 14px;
  font-weight: 500;
  color: var(--ink-2);
}
.input-value-wrap {
  display: flex;
  align-items: baseline;
  gap: 4px;
  border-bottom: 1px dashed transparent;
  padding-bottom: 1px;
  transition: border-color 0.15s var(--ease);
}
.input-value-wrap:focus-within { border-bottom-color: var(--accent); }
.input-value {
  font-family: var(--font-mono);
  font-size: 17px;
  font-weight: 500;
  color: var(--ink);
  background: transparent;
  border: none;
  text-align: right;
  width: auto;
  min-width: 80px;
  outline: none;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}
.input-unit {
  font-family: var(--font-mono);
  font-size: 14px;
  color: var(--ink-3);
  font-weight: 400;
}

.slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--surface-2);
  border-radius: 100px;
  outline: none;
  cursor: pointer;
}
.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  background: var(--surface);
  border: 2px solid var(--accent);
  border-radius: 50%;
  cursor: grab;
  box-shadow: 0 2px 8px rgba(14, 92, 74, 0.2);
  transition: transform 0.15s var(--ease);
}
.slider::-webkit-slider-thumb:hover { transform: scale(1.1); }
.slider::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.15); }
.slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--surface);
  border: 2px solid var(--accent);
  border-radius: 50%;
  cursor: grab;
}
.slider-meta {
  display: flex;
  justify-content: space-between;
  margin-top: 8px;
  font-family: var(--font-mono);
  font-size: 11px;
  color: var(--ink-3);
}

.chip-group {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.chip {
  padding: 8px 14px;
  border-radius: 10px;
  font-size: 13px;
  font-weight: 500;
  background: var(--surface-2);
  color: var(--ink-2);
  transition: all 0.18s var(--ease);
}
.chip:hover { background: var(--surface-3); color: var(--ink); }
.chip.active { background: var(--accent); color: white; }

.toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 0;
  border-top: 1px solid var(--line);
  margin-top: 12px;
  gap: 12px;
}
.toggle {
  position: relative;
  width: 44px;
  height: 26px;
  background: var(--surface-3);
  border-radius: 100px;
  cursor: pointer;
  transition: background 0.2s var(--ease);
  flex-shrink: 0;
}
.toggle::after {
  content: "";
  position: absolute;
  top: 3px;
  left: 3px;
  width: 20px;
  height: 20px;
  background: var(--surface);
  border-radius: 50%;
  box-shadow: 0 1px 3px rgba(0,0,0,0.2);
  transition: transform 0.2s var(--ease);
}
.toggle.active { background: var(--accent); }
.toggle.active::after { transform: translateX(18px); }
.toggle-label { font-size: 14px; color: var(--ink); font-weight: 500; }
.toggle-desc { font-size: 12px; color: var(--ink-3); margin-top: 2px; }

/* ===== RESULT PANEL ===== */
.result-panel {
  position: sticky;
  top: 96px;
  align-self: start;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
}
@media (max-width: 980px) { .result-panel { position: static; } }

.result-hero {
  padding: 32px;
  background: linear-gradient(135deg, var(--accent-faint), var(--accent-soft));
  border-bottom: 1px solid var(--line);
  position: relative;
  overflow: hidden;
}
.result-hero::before {
  content: "";
  position: absolute;
  top: -40%;
  right: -20%;
  width: 240px;
  height: 240px;
  background: radial-gradient(circle, color-mix(in srgb, var(--accent) 18%, transparent), transparent 70%);
  pointer-events: none;
}
.result-label {
  font-size: 13px;
  color: var(--ink-2);
  margin-bottom: 8px;
  font-weight: 500;
  position: relative;
}
.result-amount {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 56px;
  letter-spacing: -0.04em;
  line-height: 1;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  font-variation-settings: "opsz" 96;
  position: relative;
}
.result-amount-unit {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 22px;
  color: var(--ink-2);
  margin-left: 6px;
  letter-spacing: -0.02em;
}
.result-period {
  font-size: 13px;
  color: var(--ink-3);
  margin-top: 8px;
  position: relative;
}
.result-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
}
.result-stat {
  padding: 20px 24px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.result-stat:nth-child(2n) { border-right: none; }
.result-stat:nth-last-child(-n+2) { border-bottom: none; }
.stat-label {
  font-size: 12px;
  color: var(--ink-3);
  margin-bottom: 4px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.stat-value {
  font-family: var(--font-mono);
  font-size: 16px;
  font-weight: 500;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.stat-value.accent { color: var(--accent); }
.stat-value.warning { color: var(--warning); }

.ltv-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 10px;
  border-radius: 8px;
  font-size: 12px;
  font-weight: 600;
  font-family: var(--font-mono);
  margin-top: 8px;
}
.ltv-badge.good { background: var(--accent-soft); color: var(--accent); }
.ltv-badge.warning { background: var(--warning-soft); color: var(--warning); }
.ltv-badge.danger { background: var(--danger-soft); color: var(--danger); }

/* ===== CHART ===== */
.chart-section {
  padding: 24px;
  border-top: 1px solid var(--line);
}
.chart-title {
  font-size: 13px;
  color: var(--ink-3);
  margin-bottom: 16px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.chart-wrap {
  position: relative;
  height: 220px;
}
.chart-legend {
  display: flex;
  gap: 16px;
  margin-top: 16px;
  font-size: 13px;
  flex-wrap: wrap;
}
.legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--ink-2);
}
.legend-dot {
  width: 10px;
  height: 10px;
  border-radius: 3px;
}

/* ===== SCENARIO CARD ===== */
.scenario-card {
  margin-top: 16px;
  padding: 16px 20px;
  border-radius: var(--radius);
  background: var(--warning-soft);
  border: 1px solid color-mix(in srgb, var(--warning) 20%, transparent);
  display: none;
}
.scenario-card.active { display: block; }
.scenario-title {
  font-size: 13px;
  font-weight: 600;
  color: var(--warning);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.scenario-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 12px;
}
.scenario-item .scenario-rate { font-family: var(--font-mono); font-size: 11px; color: var(--ink-3); margin-bottom: 2px; }
.scenario-item .scenario-amount { font-family: var(--font-mono); font-size: 14px; font-weight: 600; color: var(--ink); font-variant-numeric: tabular-nums; }
.scenario-item .scenario-diff { font-family: var(--font-mono); font-size: 11px; color: var(--warning); margin-top: 1px; }

/* ===== ACTIONS ===== */
.action-row {
  display: flex;
  gap: 8px;
  padding: 16px 24px;
  border-top: 1px solid var(--line);
  background: var(--surface-2);
}
.btn {
  padding: 11px 18px;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 500;
  transition: all 0.18s var(--ease);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  text-decoration: none;
  letter-spacing: -0.005em;
}
.btn-secondary {
  background: var(--surface);
  color: var(--ink);
  border: 1px solid var(--line);
  flex: 1;
}
.btn-secondary:hover { background: var(--surface-3); border-color: var(--line-2); }
.btn-primary {
  background: var(--accent);
  color: white;
  flex: 1;
}
.btn-primary:hover { background: var(--accent-2); transform: translateY(-1px); box-shadow: 0 4px 12px rgba(14, 92, 74, 0.25); }
.btn-large { padding: 14px 24px; font-size: 15px; border-radius: 12px; }
.btn svg { width: 14px; height: 14px; }

/* ===== COMPARE ===== */
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 24px;
}
@media (max-width: 880px) { .compare-grid { grid-template-columns: 1fr; } }

.compare-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 24px;
  position: relative;
}
.compare-card.option-a { border-top: 3px solid var(--accent); }
.compare-card.option-b { border-top: 3px solid #C97B2A; }
.compare-tag {
  position: absolute;
  top: -10px;
  left: 24px;
  padding: 2px 10px;
  border-radius: 6px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  background: var(--surface);
  border: 1px solid var(--line);
}
.compare-card.option-a .compare-tag { color: var(--accent); }
.compare-card.option-b .compare-tag { color: #C97B2A; }

.compare-result {
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}
.compare-result-label {
  font-size: 12px;
  color: var(--ink-3);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 6px;
  font-weight: 500;
}
.compare-result-amount {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 32px;
  letter-spacing: -0.025em;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.compare-result-amount-unit { font-size: 16px; color: var(--ink-2); margin-left: 4px; }

.compare-summary {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
}
.compare-verdict {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 28px;
  letter-spacing: -0.025em;
  color: var(--ink);
  margin-bottom: 8px;
}
.compare-verdict em { font-style: italic; color: var(--accent); }
.compare-verdict.option-b em { color: #C97B2A; }
.compare-verdict-sub { color: var(--ink-2); font-size: 16px; max-width: 480px; margin: 0 auto; }
.compare-savings {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  margin-top: 24px;
  padding: 20px 32px;
  background: var(--accent-faint);
  border: 1px solid var(--accent-soft);
  border-radius: var(--radius);
}
.compare-savings-label { font-size: 13px; color: var(--ink-2); margin-bottom: 4px; }
.compare-savings-value {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 36px;
  letter-spacing: -0.03em;
  color: var(--accent);
  font-variant-numeric: tabular-nums;
}

/* ===== COMPARE TIMELINE ===== */
.compare-timeline {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  margin-bottom: 24px;
}
@media (max-width: 720px) { .compare-timeline { padding: 24px 20px; } }
.timeline-control {
  margin-bottom: 32px;
  padding: 20px 24px;
  background: var(--surface-2);
  border-radius: var(--radius);
}
.timeline-control .input-label {
  font-size: 16px;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.timeline-control .input-value {
  font-size: 28px;
  font-weight: 600;
  color: var(--accent);
  letter-spacing: -0.02em;
  min-width: 50px;
}
.timeline-control .input-unit {
  font-size: 18px;
  color: var(--ink-2);
}
.timeline-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
@media (max-width: 720px) { .timeline-grid { grid-template-columns: 1fr; } }

.timeline-side {
  padding: 24px;
  background: var(--surface-2);
  border-radius: var(--radius);
  position: relative;
  padding-top: 32px;
}
.timeline-side .compare-tag { top: -12px; left: 24px; background: var(--surface); }
.timeline-progress-wrap { margin-bottom: 24px; }
.timeline-progress-track {
  height: 10px;
  background: var(--surface);
  border-radius: 100px;
  overflow: hidden;
  margin-bottom: 10px;
}
.timeline-progress-bar {
  height: 100%;
  border-radius: 100px;
  transition: width 0.4s var(--ease);
  width: 0;
}
.timeline-progress-meta {
  display: flex;
  align-items: baseline;
  gap: 8px;
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums;
}
.timeline-progress-meta > span:first-child {
  font-size: 22px;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -0.02em;
}
.timeline-progress-meta .muted {
  font-size: 12px;
  color: var(--ink-3);
  font-family: var(--font-body);
  font-weight: 400;
}
.timeline-stats { display: flex; flex-direction: column; }
.timeline-stat-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 12px 0;
  border-top: 1px solid var(--line);
  gap: 12px;
}
.timeline-stat-row:first-child { border-top: none; padding-top: 4px; }
.timeline-stat-row:last-child { padding-bottom: 0; }
.timeline-stat-label { font-size: 13px; color: var(--ink-2); }
.timeline-stat-value {
  font-family: var(--font-mono);
  font-size: 14px;
  font-weight: 600;
  font-variant-numeric: tabular-nums;
  color: var(--ink);
}
.timeline-stat-value.warning { color: var(--warning); }

/* ===== EARLY REPAYMENT ===== */
.early-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}
@media (max-width: 980px) { .early-grid { grid-template-columns: 1fr; } }
.savings-card {
  padding: 32px;
  background: linear-gradient(135deg, var(--accent-faint), var(--accent-soft));
  border-radius: var(--radius-lg);
  border: 1px solid var(--accent-soft);
  text-align: center;
}
.savings-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 24px;
}
.savings-stat-label {
  font-size: 12px;
  color: var(--ink-2);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-weight: 500;
  margin-bottom: 6px;
}
.savings-stat-value {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 32px;
  letter-spacing: -0.03em;
  color: var(--accent);
  font-variant-numeric: tabular-nums;
}
.savings-stat-value.small { font-size: 22px; }

/* ===== AFFORDABILITY ===== */
.afford-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}
@media (max-width: 980px) { .afford-grid { grid-template-columns: 1fr; } }
.afford-result {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
}
.afford-amount-label { font-size: 14px; color: var(--ink-2); margin-bottom: 8px; }
.afford-amount {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 64px;
  letter-spacing: -0.04em;
  line-height: 1;
  color: var(--accent);
  font-variant-numeric: tabular-nums;
  margin-bottom: 24px;
}
.afford-amount-unit { font-size: 24px; color: var(--ink-2); margin-left: 4px; font-weight: 400; }

.rule-row {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 0;
  border-top: 1px solid var(--line);
}
.rule-row:last-child { border-bottom: 1px solid var(--line); }
.rule-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.rule-icon.good { background: var(--accent-soft); color: var(--accent); }
.rule-icon.bad { background: var(--danger-soft); color: var(--danger); }
.rule-icon svg { width: 14px; height: 14px; }
.rule-name { font-size: 13px; font-weight: 500; color: var(--ink); margin-bottom: 2px; }
.rule-desc { font-size: 12px; color: var(--ink-3); }
.rule-value {
  margin-left: auto;
  font-family: var(--font-mono);
  font-size: 14px;
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}

/* ===== HYPOTHEKA VS NAJEM ===== */
.hvn-result {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
.hvn-card {
  padding: 24px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  text-align: center;
}
.hvn-card.buy { background: linear-gradient(135deg, var(--accent-faint), var(--accent-soft)); border-color: var(--accent-soft); }
.hvn-card.rent { background: var(--surface-2); }
.hvn-card-label {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ink-3);
  margin-bottom: 8px;
}
.hvn-card-amount {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 32px;
  letter-spacing: -0.03em;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  margin-bottom: 4px;
}
.hvn-card.buy .hvn-card-amount { color: var(--accent); }
.hvn-card-desc { font-size: 12px; color: var(--ink-3); }
.hvn-verdict {
  margin-top: 16px;
  padding: 20px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  text-align: center;
}
.hvn-verdict-text {
  font-family: var(--font-display);
  font-size: 22px;
  letter-spacing: -0.025em;
  color: var(--ink);
  margin-bottom: 4px;
}
.hvn-verdict-text em { font-style: italic; color: var(--accent); }
.hvn-verdict-sub { font-size: 14px; color: var(--ink-2); }

/* ===== CHARTS PANEL (landing — ČNB data) ===== */
.charts-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 20px;
  margin-top: 32px;
}
.chart-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 24px;
}
.chart-card-header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: 4px;
  gap: 12px;
}
.chart-card-title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 18px;
  letter-spacing: -0.02em;
}
.chart-card-current {
  font-family: var(--font-mono);
  font-size: 22px;
  font-weight: 600;
  color: var(--accent);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
}
.chart-card-sub {
  font-size: 12px;
  color: var(--ink-3);
  margin-bottom: 16px;
}
.chart-card-wrap {
  height: 180px;
  position: relative;
}

/* ===== SEO content (article-style) ===== */
.seo-article {
  max-width: 760px;
  margin: 0 auto;
  font-size: 17px;
  line-height: 1.7;
  color: var(--ink-2);
}
.seo-article h2 {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(24px, 3vw, 32px);
  letter-spacing: -0.025em;
  color: var(--ink);
  margin-top: 48px;
  margin-bottom: 16px;
  font-variation-settings: "opsz" 36;
}
.seo-article h3 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 21px;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin-top: 32px;
  margin-bottom: 10px;
  font-variation-settings: "opsz" 28;
}
.seo-article p { margin-bottom: 16px; }
.seo-article ul, .seo-article ol {
  padding-left: 1.4em;
  margin-bottom: 16px;
}
.seo-article li { margin-bottom: 8px; }
.seo-article strong { color: var(--ink); font-weight: 600; }
.seo-article a { color: var(--accent); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }
.seo-article blockquote {
  border-left: 3px solid var(--accent);
  padding-left: 20px;
  margin: 24px 0;
  font-style: italic;
  color: var(--ink-2);
}
.seo-article .callout {
  padding: 20px 24px;
  background: var(--accent-faint);
  border: 1px solid var(--accent-soft);
  border-radius: var(--radius);
  margin: 24px 0;
}

/* ===== FAQ ===== */
.faq-list {
  max-width: 760px;
  margin: 0 auto;
}
.faq-item {
  border-bottom: 1px solid var(--line);
  padding: 18px 0;
}
.faq-item summary {
  cursor: pointer;
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 19px;
  letter-spacing: -0.015em;
  color: var(--ink);
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-variation-settings: "opsz" 24;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "";
  width: 16px;
  height: 16px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E5C4A' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E") no-repeat center;
  transition: transform 0.2s var(--ease);
  flex-shrink: 0;
}
.faq-item[open] summary::after { transform: rotate(180deg); }
.faq-item p {
  margin-top: 12px;
  color: var(--ink-2);
  line-height: 1.65;
}

/* ===== CTA STRIP (cross-link between subpages) ===== */
.cta-strip {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  margin: 64px 0;
}
@media (max-width: 720px) {
  .cta-strip { flex-direction: column; align-items: flex-start; padding: 24px; }
}
.cta-strip h3 {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 24px;
  letter-spacing: -0.025em;
  color: var(--ink);
  margin-bottom: 4px;
}
.cta-strip p { color: var(--ink-2); font-size: 15px; }

/* ===== FOOTER ===== */
.site-footer {
  padding: 64px 0 48px;
  border-top: 1px solid var(--line);
  margin-top: 96px;
  color: var(--ink-3);
  font-size: 13px;
  line-height: 1.6;
}
.footer-mission {
  max-width: 760px;
  margin: 0 auto 32px;
  padding: 24px 28px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  text-align: left;
  color: var(--ink-2);
  font-size: 14px;
  line-height: 1.65;
}
.footer-mission strong { color: var(--ink); display: block; margin-bottom: 8px; font-family: var(--font-display); font-weight: 500; font-size: 17px; letter-spacing: -0.02em; }
.footer-mission a { color: var(--accent); text-decoration: none; font-weight: 500; }
.footer-mission a:hover { text-decoration: underline; }


.footer-cols {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 32px;
  padding: 32px 0;
  border-top: 1px solid var(--line);
  margin-top: 24px;
}
.footer-col h4 {
  font-family: var(--font-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--ink-3);
  font-weight: 600;
  margin: 0 0 14px 0;
}
.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-col a {
  color: var(--ink-2);
  text-decoration: none;
  font-size: 14px;
  line-height: 1.4;
  transition: color 0.15s var(--ease);
}
.footer-col a:hover { color: var(--accent); }
.footer-col a.see-all { color: var(--accent); font-weight: 500; margin-top: 4px; }
@media (max-width: 720px) {
  .footer-cols { grid-template-columns: 1fr; gap: 24px; }
}

.footer-disclaimer { max-width: 760px; margin: 0 auto 32px; text-align: center; }
.footer-disclaimer a { color: var(--accent); text-decoration: none; }
.footer-disclaimer a:hover { text-decoration: underline; }

.footer-links {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 4px 24px;
  margin-bottom: 24px;
}
.footer-links a {
  color: var(--ink-2);
  text-decoration: none;
  font-size: 14px;
  padding: 6px 0;
  font-weight: 500;
}
.footer-links a:hover { color: var(--accent); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}

/* ===== PRINT (PDF) ===== */
@media print {
  .site-header, .main-nav, .menu-toggle, .action-row,
  .cta-strip, .site-footer, .toggle-row, .scenario-card,
  .footer-mission { display: none !important; }
  body { background: white; color: black; }
  .panel, .compare-card, .result-panel, .compare-timeline,
  .savings-card, .afford-result, .compare-summary {
    box-shadow: none !important;
    border: 1px solid #ccc !important;
    page-break-inside: avoid;
  }
  .calc-grid, .compare-grid, .timeline-grid, .early-grid, .afford-grid {
    grid-template-columns: 1fr 1fr !important;
    gap: 12px !important;
  }
  .hero { padding: 24px 0 !important; }
  .hero-eyebrow, .trust-strip { display: none !important; }
  .result-panel { position: static !important; }
}

/* ===== ANIMATIONS ===== */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
.fade-up { animation: fadeUp 0.5s var(--ease) backwards; }
.fade-up-2 { animation: fadeUp 0.5s var(--ease) 0.1s backwards; }
.fade-up-3 { animation: fadeUp 0.5s var(--ease) 0.2s backwards; }

/* === toast === */
.toast {
  position: fixed;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%) translateY(100px);
  background: var(--ink);
  color: var(--bg);
  padding: 12px 20px;
  border-radius: 12px;
  font-size: 14px;
  font-weight: 500;
  box-shadow: var(--shadow-lg);
  z-index: 100;
  display: flex;
  align-items: center;
  gap: 8px;
  opacity: 0;
  transition: all 0.3s var(--ease);
  pointer-events: none;
}
.toast.show { transform: translateX(-50%) translateY(0); opacity: 1; }
.toast svg { width: 16px; height: 16px; color: var(--accent); }