/* DQ Holding — námořní modrá + měděná. Statický návrh bez JavaScriptu. */
:root{--navy:#18344d;--navy-dark:#102638;--copper:#ad512e;--copper-dark:#8d3c20;--ice:#dce7ee;--background:#f6f8fa;--text:#202d39;--muted:#637383;--line:#dce4ea;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;color:var(--text);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input{font:inherit}button,a,input{ -webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--copper);outline-offset:5px}h1,h2,h3,p{margin:0}h1,h2,h3{color:var(--navy);line-height:1.18;letter-spacing:-.035em}h2{font-size:30px;font-weight:750}h3{font-size:17px;letter-spacing:-.02em}.wrap{width:min(1180px,calc(100% - 64px));margin:auto}.skip{position:absolute;top:-60px;background:white;padding:10px;z-index:20}.skip:focus{top:0}.header{border-bottom:1px solid #e8edf1;background:#fff}.header-inner{height:92px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:inline-flex;align-items:center;gap:14px;flex-shrink:0}.monogram{position:relative;font-size:43px;font-weight:900;line-height:1;letter-spacing:-7px;padding-right:6px;color:var(--navy)}.monogram>span{position:absolute;width:13px;height:5px;background:var(--copper);transform:rotate(45deg);bottom:1px;right:0}.brand-name{font-size:22px;font-weight:800;line-height:1.1;letter-spacing:.02em;color:var(--navy)}.brand-name>span{display:block;font-size:10px;letter-spacing:.3em;margin-top:5px;font-weight:600}.header nav{display:flex;gap:28px;font-size:14px;font-weight:600}.header nav a:hover,.header nav a[aria-current="page"]{color:var(--copper)}.phone{border:1px solid var(--line);padding:8px 16px;border-radius:30px;font-size:15px;color:var(--navy);font-weight:700;white-space:nowrap}.phone span{margin-right:8px}.eyebrow{font-size:11px;font-weight:700;letter-spacing:.18em;color:var(--muted);margin-bottom:15px}.hero{background:linear-gradient(125deg,#f7f9fa,#eaf0f4 70%,#f5f7f9);padding:46px 0 48px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.23fr 1fr;gap:40px;align-items:center}.hero-copy{position:relative;min-height:500px;padding-top:12px;isolation:isolate}h1{font-size:48px;line-height:1.08;letter-spacing:-.045em;font-weight:800}h1 em{font-style:normal;color:var(--copper)}.intro{font-size:18px;max-width:460px;margin-top:20px;line-height:1.55}.hero-benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;position:relative;z-index:2;margin-top:30px;max-width:430px}.icon{display:grid;place-items:center;width:44px;height:44px;background:var(--ice);border-radius:50%;color:var(--navy);font-size:25px;font-weight:500;margin-bottom:12px}.hero-benefits strong{font-size:14px;line-height:1.3;display:block;color:var(--navy)}.hero-benefits p{font-size:12px;color:var(--muted);line-height:1.5;margin-top:8px;max-width:125px}.house{position:absolute;right:-50px;bottom:-27px;width:430px;height:240px;z-index:-1;overflow:hidden;opacity:.8;mask-image:linear-gradient(to right,transparent,#000 40%),linear-gradient(to bottom,transparent,#000 30%);mask-composite:intersect}.house img{width:100%;height:100%;object-fit:cover;object-position:right center}.calculator{background:white;position:relative;z-index:2;border:1px solid #edf0f3;border-radius:18px;padding:30px;box-shadow:0 16px 40px #18344d0d}.calc-label{font-size:10px;letter-spacing:.15em;color:var(--copper);font-weight:700;margin-bottom:12px}.calculator h2{font-size:23px;line-height:1.3;max-width:350px;margin-bottom:28px}.slider-group{margin-bottom:27px}.value-row{display:flex;justify-content:space-between;align-items:center;gap:15px;font-size:14px;margin-bottom:18px}.value-row strong{font-size:18px;white-space:nowrap;color:var(--navy)}.slider-static{height:5px;background:#e7ecf0;border-radius:5px;position:relative;margin:10px 0 13px}.slider-static:before{content:"";position:absolute;left:0;top:0;width:29%;height:5px;border-radius:5px;background:var(--copper)}.slider-static span{position:absolute;left:27%;top:-7px;width:20px;height:20px;background:var(--copper);border:3px solid white;box-shadow:0 2px 8px #18344d26;border-radius:50%}.payment:before{width:23%}.payment span{left:21%}.range-labels{display:flex;justify-content:space-between;color:var(--muted);font-size:12px}.small{font-size:12px;color:var(--muted);line-height:1.6}.button{display:flex;align-items:center;justify-content:center;min-height:49px;background:var(--copper);color:white;border:0;border-radius:8px;padding:12px 22px;font-size:15px;font-weight:700;text-align:center;transition:background .2s;cursor:pointer;width:100%}.button:hover{background:var(--copper-dark)}.calculator .button{margin-top:22px}.calc-note{font-size:12px;line-height:1.6;color:var(--muted);margin-top:14px;text-align:center}.secured{margin-top:22px;padding-top:15px;border-top:1px solid var(--line);font-size:12px;color:var(--muted);text-align:center}.secured span{font-size:20px;margin-right:7px;vertical-align:middle;color:var(--navy)}.situations{padding:38px 0 42px;background:#e7eff4}.situations .eyebrow{margin-bottom:10px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:24px}.cards article{display:flex;gap:17px;padding:25px 22px;background:#fff;border-radius:10px}.cards .icon{flex-shrink:0}.cards p{font-size:14px;color:var(--muted);line-height:1.6;margin-top:10px}.process{padding-top:54px}.section-head{display:flex;align-items:end;justify-content:space-between;gap:25px}.section-head .eyebrow{margin-bottom:10px}.section-head>p{font-size:13px;color:var(--muted)}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;margin:35px 0 42px}.step-number{display:grid;place-items:center;width:44px;height:44px;font-size:16px;font-weight:700;background:var(--ice);border-radius:50%;color:var(--navy);margin-bottom:18px}.steps article{position:relative}.steps article:not(:last-child):after{content:"";position:absolute;height:1px;background:var(--line);left:60px;right:0;top:22px}.steps p{font-size:14px;line-height:1.65;color:var(--muted);margin-top:9px}.info-panels{display:grid;grid-template-columns:1fr 1fr;gap:22px}.info-panels article{border:1px solid var(--line);border-radius:12px;padding:27px}.info-panels h2{font-size:21px}.documents{list-style:none;padding:0;margin:23px 0 0;display:grid;gap:17px;font-size:14px;color:var(--muted)}.documents li{display:flex;align-items:center;gap:15px}.documents span{background:var(--ice);color:var(--navy);width:30px;height:30px;border-radius:7px;display:grid;place-items:center;font-size:11px;font-weight:700;flex-shrink:0}.conditions{background:#f9fbfc}.conditions p{font-size:14px;color:var(--muted);line-height:1.7;margin-top:21px}.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:23px}.chips span{font-size:11px;padding:7px 9px;color:var(--navy);background:var(--ice);border-radius:5px;font-weight:600}.faq{padding-top:48px;padding-bottom:52px}.faq .section-head>a{font-size:13px;text-decoration:underline;text-underline-offset:4px;color:var(--muted)}.faq-list{margin-top:25px;display:grid;gap:8px}.faq-list article{border:1px solid var(--line);padding:17px 23px;border-radius:8px}.faq-list h3{font-size:14px;display:flex;justify-content:space-between;align-items:center;gap:20px}.faq-list h3 span{font-size:20px;font-weight:400}.faq-list p{font-size:14px;color:var(--muted);margin-top:9px}.faq-open{background:#edf3f7}.contact{background:var(--ice);padding:44px 0}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:55px;align-items:center}.contact h2{font-size:34px;line-height:1.15}.contact-grid>div>p:not(.eyebrow){font-size:14px;color:var(--muted);margin:15px 0;max-width:310px}.contact-phone{font-size:21px;font-weight:700;color:var(--navy);display:block;margin-bottom:3px}.lead-form{background:white;padding:28px;border-radius:12px;box-shadow:0 7px 25px #18344d06}.form-heading{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:24px}.form-heading span{font-size:11px;color:var(--muted)}.fields{display:grid;grid-template-columns:1.1fr .8fr 1.1fr;gap:12px}.fields label{font-size:12px;color:var(--navy);font-weight:600}.fields input{display:block;width:100%;border:1px solid var(--line);background:#fff;min-height:43px;border-radius:5px;margin-top:7px;padding:10px;font-size:13px;color:var(--text)}input::placeholder{color:#98a3ac}.privacy{display:flex;align-items:start;gap:8px;font-size:11px;color:var(--muted);line-height:1.6;margin:19px 0}.privacy input{width:16px;height:16px;flex-shrink:0;accent-color:var(--copper);margin:1px 0 0}.privacy a{text-decoration:underline}.lead-form .button{font-size:14px}footer{background:var(--navy);color:#cfdae2;padding:32px 0 22px}footer .brand-name,footer .monogram{color:white}
@media(min-width:1450px){.hero-copy{min-height:480px}.house{width:440px;right:-15px}.hero-benefits{max-width:445px}}
@media(max-width:1000px){.wrap{width:calc(100% - 40px)}.header nav{gap:18px}.phone{font-size:12px;padding:8px 10px}.hero-grid{gap:25px;grid-template-columns:1.1fr 1fr}h1{font-size:40px}.intro{font-size:16px}.hero-benefits{gap:12px}.calculator{padding:24px}.calculator h2{font-size:21px}.house{width:330px;right:-25px;bottom:-20px}.cards article{padding:20px 17px;gap:12px}.cards .icon{width:36px;height:36px;font-size:21px}.contact-grid{gap:28px}.fields{grid-template-columns:1fr 1fr}.fields label:last-child{grid-column:1/-1}.form-heading{display:block}.form-heading span{display:block;margin-top:5px}}
@media(max-width:760px){html{scroll-padding-top:88px}.header-inner{height:auto;min-height:80px;flex-wrap:wrap;padding:17px 0;gap:17px}.brand-name{font-size:18px}.monogram{font-size:36px}.phone{margin-left:auto}.header nav{order:3;width:100%;justify-content:space-between;font-size:12px;border-top:1px solid var(--line);padding-top:12px;gap:10px}.hero{padding:28px 0}.hero-grid{grid-template-columns:1fr;gap:28px}.hero-copy{min-height:0;padding:0}h1{font-size:42px}.intro{max-width:500px}.hero-benefits{max-width:100%;gap:20px;margin-top:25px}.hero-benefits p{max-width:160px}.house{position:relative;width:100%;height:170px;bottom:auto;right:auto;margin-top:8px;border-radius:10px;mask-image:linear-gradient(to bottom,transparent,#000 30%)}.house img{object-position:center 60%}.calculator h2{max-width:none;font-size:23px}.calculator{padding:25px}.cards{grid-template-columns:1fr}.cards article{padding:23px}.cards h3{font-size:17px}.cards p{font-size:14px}.section-head{display:block}.section-head>p{margin-top:15px}.section-head>a{display:inline-block;margin-top:15px}.steps{grid-template-columns:1fr 1fr;gap:28px 23px;margin-bottom:30px}.steps article:nth-child(2):after{display:none}.info-panels{grid-template-columns:1fr}.process{padding-top:36px}.faq{padding-top:35px;padding-bottom:35px}.contact-grid{grid-template-columns:1fr;gap:25px}.contact h2 br{display:none}.contact-grid>div>p:not(.eyebrow){max-width:none}.contact{padding:32px 0}.contact h2{font-size:31px}h2{font-size:27px}.eyebrow{font-size:10px}.form-heading{display:flex}.form-heading span{font-size:10px}.lead-form{padding:22px}.fields{grid-template-columns:1fr}.fields label:last-child{grid-column:auto}.fields input{font-size:16px}.fields label{font-size:13px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Assets matched to the approved navy/copper reference. */
.brand-logo{display:block;object-fit:contain;width:154px;height:52px}footer .brand-logo{filter:brightness(0) invert(1)}.icon img{width:27px;height:27px;display:block}.phone img,.secured img{vertical-align:middle;margin-right:7px}.hero-copy{isolation:isolate}.house{opacity:1;mask-image:none;width:310px;height:330px;right:-20px;bottom:-12px;z-index:-1;overflow:visible}.house img{object-fit:contain;object-position:right bottom}.hero-benefits{max-width:405px}.hero-benefits p{max-width:105px}.hero-grid{grid-template-columns:1.25fr 1fr;gap:32px}.hero-copy{min-height:450px}.hero h1{font-size:46px}.hero .eyebrow,.calc-label{display:none}.intro{max-width:455px}.hero-copy{padding-top:10px}.hero-benefits{margin-top:27px}.button{border-radius:30px}.contact{position:relative;overflow:hidden}.contact-plant{position:absolute;bottom:0;left:0;width:210px;height:260px;object-fit:contain;object-position:left bottom;pointer-events:none}.contact-grid{position:relative;z-index:1}.contact-grid>div:first-child{padding-left:55px}.documents span{font-size:0}.documents img{display:block}
@media(max-width:1000px) and (min-width:761px){.hero h1{font-size:38px}.house{width:230px;opacity:.75}.hero-benefits{max-width:350px;gap:12px}.hero-benefits p{max-width:100px}.contact-plant{width:140px}.contact-grid>div:first-child{padding-left:25px}}
@media(max-width:760px){.hero-grid{grid-template-columns:1fr}.hero-copy{min-height:0}.hero h1{font-size:40px}.house{position:relative;width:100%;height:245px;right:auto;bottom:auto;margin-top:0;z-index:0}.house img{object-position:center bottom}.hero-benefits{max-width:100%}.hero-benefits p{max-width:150px}.contact-plant{width:140px;opacity:.55}.contact-grid>div:first-child{padding-left:0}.brand-logo{width:132px;height:44px}}

/* ===== Interaktivní doplňky (posuvníky, FAQ, formulář, cookie lišta, podstránky) ===== */
:root{--brand-darker:#102638;--brand-accent:#ad512e;--brand-text-on-dark:#eef3f7;--brand-text-on-dark-rgb:238,243,247;--f-head:Arial,Helvetica,sans-serif}
.value-row output{font-size:18px;font-weight:700;white-space:nowrap;color:var(--navy)}
.value-row label{cursor:pointer}

/* Posuvník: vzhled 1:1 se statickou verzí návrhu (stopa 5px, palec 20px) */
.range{--p:30%;-webkit-appearance:none;appearance:none;display:block;width:100%;height:20px;margin:3px 0 5px;background:transparent;cursor:pointer}
.range::-webkit-slider-runnable-track{height:5px;border-radius:5px;background:linear-gradient(to right,var(--copper) 0 var(--p),#e7ecf0 var(--p) 100%)}
.range::-moz-range-track{height:5px;border-radius:5px;background:linear-gradient(to right,var(--copper) 0 var(--p),#e7ecf0 var(--p) 100%)}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;margin-top:-7.5px;border-radius:50%;background:var(--copper);border:3px solid #fff;box-shadow:0 2px 8px #18344d26;transition:transform .15s}
.range::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:var(--copper);border:3px solid #fff;box-shadow:0 2px 8px #18344d26}
.range:active::-webkit-slider-thumb{transform:scale(1.12)}
.range:focus-visible{outline:none}
.range:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 4px #ad512e40,0 2px 8px #18344d26}
.range:focus-visible::-moz-range-thumb{box-shadow:0 0 0 4px #ad512e40,0 2px 8px #18344d26}

/* FAQ jako <details> se stejným vzhledem jako návrh */
.faq-list details{border:1px solid var(--line);padding:17px 23px;border-radius:8px;transition:background .2s}
.faq-list details[open]{background:#edf3f7}
.faq-list summary{list-style:none;cursor:pointer}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary:hover h3{color:var(--copper)}
.faq-list h3 span::before{content:"+"}
.faq-list details[open] h3 span::before{content:"−"}
.faq-list summary:focus-visible{outline:3px solid var(--copper);outline-offset:8px;border-radius:4px}

/* Formulář */
.hp-field{display:none}
.fields label{display:block}
.form-error{display:none;margin-top:5px;font-size:12px;font-weight:400;color:#b42318}
.has-error .form-error{display:block}
.fields .has-error input,.fields label.has-error input{border-color:#c0392b}
.privacy{flex-wrap:wrap}
.privacy>span:first-of-type{flex:1}
.privacy .form-error{flex-basis:100%;margin:0 0 0 24px}
.message{display:block;margin-top:12px;font-size:12px;color:var(--navy);font-weight:600}
.message textarea{display:block;width:100%;min-height:86px;margin-top:7px;padding:10px;border:1px solid var(--line);border-radius:5px;background:#fff;font:inherit;font-size:13px;font-weight:400;line-height:1.5;color:var(--text);resize:vertical}
.message textarea:focus-visible{outline:3px solid var(--copper);outline-offset:5px}
.message.has-error textarea{border-color:#c0392b}
@media(max-width:760px){.message textarea{font-size:16px}}
.form-status{display:none;margin:0 0 16px;padding:13px 15px;border-radius:8px;font-size:13px;line-height:1.55}
.form-status.is-visible{display:block}
.form-status--success{background:#e7f4ec;color:#14532d}
.form-status--error{background:#fdecea;color:#7a1d14}
.form-status__kicker{font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;opacity:.75}
.form-status__title{font-weight:700;margin:2px 0 3px}
.form-status a{text-decoration:underline}
.button[disabled]{opacity:.7;cursor:progress}

/* Patička: odkaz na nastavení cookies */




/* ===== Podstránky (O nás, cookies, děkujeme, 404) ===== */
.page-hero{background:linear-gradient(125deg,#f7f9fa,#eaf0f4 70%,#f5f7f9);padding:52px 0 48px}
.page-hero h1{font-size:46px}
.page-hero .intro{max-width:640px}
.page-hero .button{width:auto;display:inline-flex;margin-top:28px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:36px}
.stats div{background:#fff;border:1px solid #edf0f3;border-radius:10px;padding:22px}
.stats strong{display:block;font-size:24px;line-height:1.2;color:var(--navy);letter-spacing:-.03em}
.stats span{display:block;margin-top:6px;font-size:13px;color:var(--muted);line-height:1.5}
.approach{padding:54px 0 48px}
.approach .section-head{align-items:start}
.approach .section-head>p{font-size:15px;line-height:1.7;max-width:560px;color:var(--text)}
.cards--six{grid-template-columns:repeat(3,1fr)}
.place{padding:48px 0 54px}
.place .info-panels{margin-top:24px}
.place address{font-style:normal;font-size:14px;line-height:1.75;color:var(--muted);margin-top:18px}
.place address strong{color:var(--navy)}
.place a:not(.button){text-decoration:underline;text-underline-offset:3px}
.place a:not(.button):hover{color:var(--copper)}
.contact--cta .contact-grid{grid-template-columns:1fr auto}
.contact--cta .button{width:auto;padding:12px 28px}
.prose{max-width:760px;padding:48px 0 60px}
.prose h2{font-size:21px;margin:30px 0 10px}
.prose p,.prose li{font-size:15px;line-height:1.7;color:var(--text)}
.prose p+p{margin-top:12px}
.prose ul{padding-left:20px;margin:10px 0}
.prose li+li{margin-top:8px}
.prose a{text-decoration:underline;text-underline-offset:3px}
.prose a:hover{color:var(--copper)}
.prose .button{width:auto;display:inline-flex;margin-top:18px}
@media(max-width:1000px){.stats{gap:12px}.stats strong{font-size:20px}}
@media(max-width:760px){.page-hero{padding:32px 0}.page-hero h1{font-size:36px}.stats{grid-template-columns:1fr}.approach{padding:36px 0}.place{padding:32px 0 40px}.contact--cta .contact-grid{grid-template-columns:1fr}.contact--cta .button{width:100%}.prose{padding:32px 0 44px}}

/* ===== O půjčce: srovnání, podmínky, povinné informace ===== */
.compare-wrap{padding:54px 0 50px}
.compare-wrap .section-head>p{max-width:420px}
.compare{display:grid;grid-template-columns:1fr auto 1fr;gap:22px;align-items:center;margin-top:30px}
.compare article{border:1px solid var(--line);border-radius:12px;padding:27px;height:100%}
.compare article.ours{border-color:var(--navy);background:#f9fbfc}
.compare h3{font-size:18px;display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.compare h3 small{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--copper)}
.compare ul{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:16px}
.compare li{position:relative;padding-left:28px;font-size:14px;color:var(--muted);line-height:1.6}
.compare li strong{display:block;color:var(--navy);font-size:15px}
.compare li::before{content:"";position:absolute;left:2px;top:9px;width:12px;height:2px;background:#b7c3cd}
.compare .ours li::before{left:4px;top:4px;width:6px;height:11px;background:none;border:solid var(--copper);border-width:0 2px 2px 0;transform:rotate(45deg)}
.compare-vs{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--ice);color:var(--navy);font-size:13px;font-weight:700}
.compare-cta{display:flex;justify-content:center;margin-top:28px}
.compare-cta .button{width:auto;padding:12px 32px}
.terms-wrap{padding:54px 0 50px}
.terms{display:grid;grid-template-columns:1fr 1fr;gap:0 40px;margin-top:26px}
.terms article{border-top:1px solid var(--line);padding:20px 0 22px}
.terms h3{font-size:16px;margin-bottom:8px}
.terms p{font-size:14px;color:var(--muted);line-height:1.7}
.terms p+p{margin-top:10px}
.example{margin-top:18px;background:var(--ice);border-radius:12px;padding:24px 27px}
.example h3{font-size:16px;margin-bottom:8px}
.example p{font-size:14px;line-height:1.7;color:var(--text)}
.example p+p{margin-top:8px}
.documents a{color:var(--navy);text-decoration:underline;text-underline-offset:3px}
.documents a:hover{color:var(--copper)}
@media(max-width:1000px){.compare{grid-template-columns:1fr;gap:14px}.compare-vs{margin:auto}}
@media(max-width:760px){.compare-wrap,.terms-wrap{padding:36px 0}.terms{grid-template-columns:1fr}.example{padding:20px}.compare-cta .button{width:100%}}

/* ===== Kontakt ===== */
.contact-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}
.contact-cards article{display:flex;flex-direction:column;align-items:flex-start;background:#fff;border:1px solid #edf0f3;border-radius:12px;padding:25px}
.contact-cards h3{font-size:18px}
.contact-cards p{font-size:14px;color:var(--muted);margin:4px 0 18px}
.contact-cards .button{width:auto;margin-bottom:14px;padding:12px 20px;font-size:14px}
.contact-line{font-size:17px;font-weight:700;color:var(--navy);margin-top:auto;padding-top:6px}
.contact-line+.contact-line{margin-top:4px}
.contact-line:hover{color:var(--copper)}
.contact-line--small{font-size:13px;font-weight:600;text-decoration:underline;text-underline-offset:3px}
.company{display:grid;grid-template-columns:auto 1fr;gap:10px 22px;margin:20px 0 0;font-size:14px;line-height:1.6}
.company dt{color:var(--muted)}
.company dd{margin:0;color:var(--navy);font-weight:600}
.map-link{margin-top:16px;font-size:14px;font-weight:700;color:var(--navy)}
@media(max-width:1000px){.contact-cards{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.contact-cards{grid-template-columns:1fr}.company{grid-template-columns:1fr;gap:2px}.company dd{margin-bottom:10px}}

/* ===== Logo: jednoduchý textový nápis ===== */
.brand-text{font-size:24px;font-weight:800;line-height:1;letter-spacing:-.03em;color:var(--navy);white-space:nowrap}
footer .brand-text{color:#fff}
@media(max-width:760px){.brand-text{font-size:21px}}

/* CFG-CONSENT-CSS:START — sdílená cookie lišta (cfg-consent.js). Kopie bloku z cfg-base.css, barvy přes --brand-* tokeny výše. */
.cfg-cc{position:fixed;left:16px;right:16px;bottom:calc(16px + env(safe-area-inset-bottom));z-index:2000;max-width:560px;margin:0 auto;background:var(--brand-darker);color:var(--brand-text-on-dark);border:1px solid rgba(var(--brand-text-on-dark-rgb),.12);border-radius:14px;box-shadow:0 16px 48px rgba(0,0,0,.5);padding:22px;display:none}
.cfg-cc.is-visible{display:block}
.cfg-cc__title{font-family:var(--f-head,sans-serif);font-size:17px;font-weight:600;margin:0 0 8px;color:inherit;letter-spacing:0}
.cfg-cc__text{font-size:13.5px;line-height:1.55;margin:0;color:rgba(var(--brand-text-on-dark-rgb),.75)}
.cfg-cc__link{color:inherit;text-decoration:underline}
.cfg-cc__cats{margin:14px 0 0;display:flex;flex-direction:column;gap:10px}
.cfg-cc__cat{display:flex;align-items:center;gap:10px;font-size:14px;cursor:pointer}
.cfg-cc__cat input{width:18px;height:18px;accent-color:var(--brand-accent)}
.cfg-cc__cat em{font-style:normal;opacity:.6}
.cfg-cc__btns{margin-top:16px;display:flex;flex-wrap:wrap;gap:10px}
.cfg-cc__btn{min-height:46px;padding:11px 18px;font:600 14.5px/1 var(--f-head,sans-serif);border-radius:10px;cursor:pointer;flex:1 1 auto;border:1.5px solid transparent;transition:background .15s,border-color .15s,opacity .15s}
.cfg-cc__btn--primary{background:var(--brand-accent);color:#fff}
.cfg-cc__btn--primary:hover{opacity:.9}
.cfg-cc__btn--ghost{background:transparent;color:var(--brand-text-on-dark);border-color:rgba(var(--brand-text-on-dark-rgb),.3)}
.cfg-cc__btn--ghost:hover{border-color:rgba(var(--brand-text-on-dark-rgb),.6)}
@media(max-width:520px){.cfg-cc__btn{flex-basis:100%}}
/* CFG-CONSENT-CSS:END */

/* ===== Modal s formulářem (CTA s data-open-offer, vzor jako firemnizalozna) ===== */
.dq-modal{position:fixed;inset:0;z-index:1500;display:flex;align-items:center;justify-content:center;padding:16px;padding-bottom:max(16px,env(safe-area-inset-bottom))}
.dq-modal[hidden]{display:none}
.dq-modal__backdrop{position:absolute;inset:0;background:rgba(16,38,56,.55)}
.dq-modal__dialog{position:relative;width:100%;max-width:640px;max-height:calc(100dvh - 32px);overflow-y:auto;border-radius:12px;animation:dqModalIn .25s cubic-bezier(.22,1,.36,1) both}
.dq-modal__dialog .lead-form{box-shadow:0 24px 80px rgba(16,38,56,.35)}
.dq-modal__dialog .form-heading{padding-right:48px}
.dq-modal__close{position:absolute;top:16px;right:16px;z-index:2;width:40px;height:40px;border-radius:50%;border:0;background:#18344d12;color:var(--navy);font-size:17px;line-height:1;cursor:pointer;transition:background .15s}
.dq-modal__close:hover{background:#18344d24}
body.modal-open{overflow:hidden}
@keyframes dqModalIn{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
@media(max-width:1000px){.dq-modal__dialog .fields{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.dq-modal__dialog .fields{grid-template-columns:1fr}}

/* ===== Hero: větší vizuál domu v pozadí =====
   Dům je ořezaný na obsah (house.webp 1340×950). Na desktopu přesahuje pod
   kalkulačku (ta leží výš, z-index 2) a levý okraj se maskou rozplývá do pozadí,
   aby nerušil text a výhody. Přebíjí starší .house pravidla výš v souboru. */
.house img{height:auto}
@media(min-width:1001px){
  .hero-grid{grid-template-columns:1.4fr 1fr}
  .hero-copy{min-height:540px}
  .intro{max-width:400px}
  .hero-benefits{max-width:380px}
  .house{width:680px;height:auto;right:-170px;bottom:-40px;-webkit-mask-image:linear-gradient(to right,transparent 2%,#000 32%);mask-image:linear-gradient(to right,transparent 2%,#000 32%)}
}
@media(max-width:1000px) and (min-width:761px){
  .hero-copy{min-height:500px}
  .hero-benefits{max-width:340px}
  .house{width:440px;height:auto;right:-150px;bottom:-30px;opacity:1;-webkit-mask-image:linear-gradient(to right,transparent 2%,#000 35%);mask-image:linear-gradient(to right,transparent 2%,#000 35%)}
}
@media(max-width:760px){
  .house{width:calc(100% + 40px);height:auto;margin:4px -20px -8px}
}

/* ===== Hero výhody: kartičky s rozostřeným pozadím, aby byly čitelné i nad domem ===== */
.hero-benefits{gap:10px}
.hero-benefits>div{padding:14px 13px 15px;border-radius:12px;background:rgba(255,255,255,.62);border:1px solid rgba(255,255,255,.75);box-shadow:0 10px 28px rgba(24,52,77,.10);-webkit-backdrop-filter:blur(12px) saturate(140%);backdrop-filter:blur(12px) saturate(140%)}
.hero-benefits p{max-width:none}
@supports not ((backdrop-filter:blur(1px)) or (-webkit-backdrop-filter:blur(1px))){.hero-benefits>div{background:rgba(255,255,255,.9)}}
@media(min-width:1001px){.hero-benefits{max-width:450px}}
@media(max-width:1000px) and (min-width:761px){.hero-benefits{max-width:410px}}

/* ===== Vzdušnější layout: větší mezery mezi sekcemi, větší nadpisy a text =====
   Jeden blok přebíjející hodnoty výše; ladit se dá tady. */
h2{font-size:40px;line-height:1.12}
.eyebrow{margin-bottom:16px}
.section-head{gap:40px}
.section-head .eyebrow{margin-bottom:14px}
.section-head>p{font-size:16px;line-height:1.65;max-width:440px}

/* hero */
.hero{padding:64px 0 72px}
.hero h1{font-size:58px;line-height:1.04}
.intro{font-size:19px;line-height:1.6;margin-top:24px}
.hero-benefits{margin-top:40px}
.hero-benefits strong{font-size:15px}
.hero-benefits p{font-size:13px}
.calculator{padding:36px}
.calculator h2{font-size:25px;margin-bottom:32px}
.slider-group{margin-bottom:30px}

/* sekce */
.situations{padding:96px 0 100px}
.cards{gap:24px;margin-top:40px}
.cards article{padding:30px 28px;gap:20px}
.cards h3{font-size:19px}
.cards p{font-size:15px;line-height:1.65}
.process{padding-top:104px;padding-bottom:104px}
.steps{gap:40px;margin:56px 0 72px}
.steps h3{font-size:19px}
.steps p{font-size:15px}
.step-number{width:52px;height:52px;font-size:17px;margin-bottom:22px}
.steps article:not(:last-child):after{top:26px;left:70px}
.info-panels{gap:28px}
.info-panels article{padding:36px}
.info-panels h2{font-size:26px}
.documents{gap:20px;font-size:15px;margin-top:28px}
.conditions p{font-size:15px;margin-top:22px}
.chips span{font-size:12px;padding:8px 11px}
.faq{padding-top:104px;padding-bottom:112px}
.faq-list{margin-top:40px;gap:12px}
.faq-list details{padding:22px 28px}
.faq-list h3{font-size:17px}
.faq-list p{font-size:15px;line-height:1.7;margin-top:12px;max-width:820px}
.contact{padding:96px 0}
.contact h2{font-size:44px}
.contact-grid>div>p:not(.eyebrow){font-size:16px;margin:20px 0}
.lead-form{padding:36px}
.form-heading{margin-bottom:28px}
.form-heading h3{font-size:20px}

/* podstránky */
.page-hero{padding:88px 0 84px}
.page-hero h1{font-size:54px}
.stats{gap:24px;margin-top:48px}
.stats div{padding:28px}
.stats strong{font-size:27px}
.stats span{font-size:14px}
.page-hero .button{margin-top:40px}
.approach{padding:104px 0 96px}
.approach .section-head>p{font-size:17px}
.place{padding:96px 0 104px}
.place .info-panels{margin-top:36px}
.compare-wrap,.terms-wrap{padding:104px 0}
.compare{margin-top:44px;gap:28px}
.compare article{padding:34px}
.terms{margin-top:36px;gap:0 56px}
.terms h3{font-size:18px}
.terms p,.example p{font-size:15px}
.example{margin-top:28px;padding:30px 34px}
.contact-cards{gap:24px;margin-top:48px}
.contact-cards article{padding:30px}
.prose{padding:72px 0 96px}
.prose h2{font-size:26px;margin:40px 0 14px}
.prose p,.prose li{font-size:16px}
footer{padding:56px 0 30px}


@media(min-width:1001px){.hero-copy{min-height:590px}}
@media(max-width:1000px){
  h2{font-size:34px}
  .hero h1{font-size:44px}
  .page-hero h1{font-size:44px}
  .situations,.contact{padding:80px 0}
  .process{padding-top:84px;padding-bottom:84px}
  .faq,.approach,.place,.compare-wrap,.terms-wrap{padding-top:84px;padding-bottom:84px}
  .page-hero{padding:68px 0 64px}
}
@media(max-width:760px){
  h2{font-size:29px}
  .hero{padding:36px 0 44px}
  .hero h1{font-size:40px}
  .intro{font-size:17px}
  .calculator,.lead-form{padding:24px}
  .situations,.contact{padding:60px 0}
  .process{padding-top:60px;padding-bottom:60px}
  .steps{margin:36px 0 44px;gap:28px 20px}
  .faq,.approach,.place,.compare-wrap,.terms-wrap{padding-top:60px;padding-bottom:60px}
  .page-hero{padding:44px 0 40px}
  .page-hero h1{font-size:38px}
  .info-panels article,.compare article,.contact-cards article{padding:24px}
  .contact h2{font-size:34px}
  .prose{padding:44px 0 60px}
  footer{padding:40px 0 24px}
}

/* ===== Mobilní menu (hamburger) ===== */
.menu-toggle{display:none;position:relative;width:44px;height:44px;flex-shrink:0;border:1px solid var(--line);border-radius:50%;background:#fff;cursor:pointer;padding:0}
.menu-toggle span{position:absolute;left:13px;width:16px;height:2px;border-radius:2px;background:var(--navy);transition:transform .25s cubic-bezier(.22,1,.36,1),opacity .15s}
.menu-toggle span:nth-child(1){top:15px}
.menu-toggle span:nth-child(2){top:20px}
.menu-toggle span:nth-child(3){top:25px}
.menu-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(5px) rotate(45deg)}
.menu-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.menu-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-5px) rotate(-45deg)}
@media(max-width:760px){
  .header-inner{position:relative;height:72px;min-height:0;flex-wrap:nowrap;padding:0;gap:10px}
  .menu-toggle{display:inline-block}
  .phone{margin-left:auto;font-size:14px}
  .header nav{display:none;position:absolute;top:100%;left:-20px;right:-20px;order:0;width:auto;flex-direction:column;gap:0;padding:6px 20px 14px;border-top:1px solid var(--line);background:#fff;box-shadow:0 18px 30px rgba(24,52,77,.10);font-size:17px}
  .header nav.is-open{display:flex;animation:dqMenuIn .2s cubic-bezier(.22,1,.36,1) both}
  .header nav a{padding:15px 0;border-bottom:1px solid var(--line)}
  .header nav a:last-child{border-bottom:0}
}
@media(max-width:440px){
  .phone{width:44px;height:44px;padding:0;display:grid;place-items:center;border-radius:50%}
  .phone-num{display:none}
  .phone img{margin:0}
}
@keyframes dqMenuIn{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}

/* ===== Logo: SVG assets/DQ-Holding-logo.svg =====
   SVG má kolem obsahu vlastní okraj (viewBox 432×136, obsah od x≈24),
   proto záporný margin, aby logo lícovalo s obsahem stránky.
   V patičce je přebarvené na bílou filtrem (pravidlo footer .brand-logo výš). */
.brand-logo{width:auto;height:56px;margin-left:-10px}
@media(max-width:760px){.brand-logo{width:auto;height:46px;margin-left:-8px}}

/* ===== Hero výhody: širší kartičky ===== */
.hero-benefits{gap:12px}
.hero-benefits>div{padding:16px 16px 17px}
@media(min-width:1001px){.hero-benefits{max-width:570px}}
@media(max-width:1000px) and (min-width:761px){.hero-benefits{max-width:490px}}

/* ===== Hero výhody níž: na desktopu/tabletu přichycené ke spodku hero ===== */
@media(min-width:761px){
  .hero-copy{display:flex;flex-direction:column}
  .hero-benefits{margin-top:auto;padding-top:48px}
}
@media(max-width:760px){.hero-benefits{margin-top:40px}}

/* ===== Postup „Od žádosti k penězům na účtu" =====
   Kroky jako časová osa: čára dobíhá až k dalšímu kroku, poslední krok
   (peníze na účtu) je cíl v měděné. Platí i pro stejnou sekci na /o-pujcce/.
   Panely pod kroky laděné jen na homepage (#postup), jinde zůstávají. */
.step-number{background:#fff;border:1px solid var(--line);box-shadow:0 6px 18px rgba(24,52,77,.07);letter-spacing:.02em}
.steps article:last-child .step-number{background:var(--copper);border-color:var(--copper);color:#fff;box-shadow:0 8px 22px rgba(173,81,46,.28)}
.steps article:not(:last-child):after{right:-26px;background:linear-gradient(to right,var(--line),#c6d3dd)}
.steps article:nth-child(3):after{background:linear-gradient(to right,var(--line),var(--copper))}
.steps p{max-width:250px}

#postup .info-panels{align-items:stretch}
#postup .info-panels article{border-radius:16px}
#postup .documents{gap:0;margin-top:24px}
#postup .documents li{gap:16px;padding:16px 0;border-top:1px solid var(--line);color:var(--text)}
#postup .documents li:last-child{padding-bottom:0}
#postup .documents span{width:42px;height:42px;border-radius:12px}

.conditions--dark{display:flex;flex-direction:column;background:var(--navy);border-color:var(--navy);color:#cfdae2}
.conditions--dark h2{color:#fff}
.conditions--dark p{color:#cfdae2}
.key-terms{display:flex;flex-wrap:wrap;gap:18px 36px;margin:28px 0 0;padding-top:22px;border-top:1px solid rgba(255,255,255,.14)}
.key-terms dt{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#9db1c0}
.key-terms dd{margin:6px 0 0;font-size:17px;font-weight:700;color:#fff;white-space:nowrap}
.conditions--dark .button{width:auto;align-self:flex-start;margin-top:auto;padding:12px 28px}
.conditions--dark .key-terms{margin-bottom:30px}

@media(max-width:760px){
  .steps article:not(:last-child):after{right:-12px}
  .steps p{max-width:none}
  .key-terms dd{white-space:normal}
  .conditions--dark .button{width:100%}
}

/* ===== Patička: struktura podle firemnizalozna.cz =====
   Logo + claim | navigace | kontakty, pod tím právní řádek a odkazy na právní stránky. */
.footer-grid{display:grid;gap:32px}
.footer-about{font-size:14px;line-height:1.6;max-width:40ch;margin:14px 0 0}
.footer-about strong{color:#fff}
.footer-col h3{font-size:14px;color:#fff;margin:0 0 12px}
.footer-col a{display:block;font-size:14px;padding:5px 0}
.footer-col a:hover,.footer-legal-links a:hover,.footer-legal-links button:hover{color:#fff}
.footer-legal{margin-top:32px;padding-top:22px;border-top:1px solid #ffffff24;font-size:12.5px;line-height:1.7;color:#9db1c0}
.footer-legal p{margin:0}
.footer-bottom{margin-top:22px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px 18px;font-size:12.5px;color:#9db1c0}
.footer-legal-links{display:flex;flex-wrap:wrap;gap:8px 18px;margin-left:auto}
.footer-legal-links button{padding:0;border:0;background:none;color:inherit;font:inherit;cursor:pointer}
footer a:focus-visible,footer button:focus-visible{outline:2px solid #fff;outline-offset:2px}
@media(min-width:761px){.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>:first-child{grid-column:1/-1}}
@media(min-width:1001px){.footer-grid{grid-template-columns:2fr 1fr 1.4fr}.footer-grid>:first-child{grid-column:auto}}
@media(max-width:640px){.footer-legal-links{margin-left:0}.footer-legal-links a,.footer-legal-links button{min-height:44px;display:inline-flex;align-items:center}}

/* ===== Právní stránky: číslované seznamy, podnadpisy, tabulka ===== */
.prose h3{font-size:17px;margin:22px 0 8px}
.prose ol{padding-left:22px;margin:10px 0}
.prose ol ol{list-style:lower-alpha;margin:8px 0}
.prose li>p+p,.prose li>ol+p{margin-top:8px}
.prose--wide{max-width:980px}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
.table-scroll table{min-width:640px}
.prose table{width:100%;border-collapse:collapse;margin:0 0 24px;font-size:14.5px}
.prose th,.prose td{text-align:left;padding:10px 14px;border:1px solid var(--line);vertical-align:top}
.prose thead th{background:var(--ice);color:var(--text)}

/* ===== CTA v hlavičce =====
   Desktop/tablet: tlačítko vpravo za telefonem, menu zůstává uprostřed.
   Mobil: v hlavičce není místo, CTA je poslední položkou rozbalovacího menu. */
.header-cta{width:auto;min-height:44px;padding:10px 20px;font-size:14px;white-space:nowrap;flex-shrink:0}
.phone+.header-cta{margin-left:-12px}
.header nav a.nav-cta{display:none}
@media(min-width:761px){.header nav{margin-inline:auto}}
@media(max-width:1000px) and (min-width:761px){.header-inner{gap:16px}.phone+.header-cta{margin-left:-6px}.header-cta{padding:10px 16px}}
@media(max-width:760px){
  .header-cta{display:none}
  .header nav a.nav-cta{display:flex;margin-top:14px;padding:12px 22px;border-bottom:0;color:#fff}
  .header nav a.nav-cta:hover{color:#fff}
}

/* ===== Lepicí hlavička =====
   Drží se horního okraje při scrollu. Kotvy (#kontakt…) pod ní nezajedou díky
   scroll-padding-top na html (100px desktop, 88px mobil). Modal (1500) i cookie
   lišta (2000) jsou nad ní. */
.header{position:sticky;top:0;z-index:100}
.calc-example{text-align:left;line-height:1.55}.calc-example strong{color:var(--navy)}