@font-face{font-family:'Inter';font-style:normal;font-display:swap;font-weight:400;src:url(/assets/fonts/inter-latin-ext-400-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Inter';font-style:normal;font-display:swap;font-weight:400;src:url(/assets/fonts/inter-latin-400-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Inter';font-style:normal;font-display:swap;font-weight:500;src:url(/assets/fonts/inter-latin-ext-500-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Inter';font-style:normal;font-display:swap;font-weight:500;src:url(/assets/fonts/inter-latin-500-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Inter';font-style:normal;font-display:swap;font-weight:600;src:url(/assets/fonts/inter-latin-ext-600-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Inter';font-style:normal;font-display:swap;font-weight:600;src:url(/assets/fonts/inter-latin-600-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Inter';font-style:normal;font-display:swap;font-weight:700;src:url(/assets/fonts/inter-latin-ext-700-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Inter';font-style:normal;font-display:swap;font-weight:700;src:url(/assets/fonts/inter-latin-700-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-display:swap;font-weight:600;src:url(/assets/fonts/plus-jakarta-sans-latin-ext-600-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-display:swap;font-weight:600;src:url(/assets/fonts/plus-jakarta-sans-latin-600-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-display:swap;font-weight:700;src:url(/assets/fonts/plus-jakarta-sans-latin-ext-700-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-display:swap;font-weight:700;src:url(/assets/fonts/plus-jakarta-sans-latin-700-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-display:swap;font-weight:800;src:url(/assets/fonts/plus-jakarta-sans-latin-ext-800-normal.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-display:swap;font-weight:800;src:url(/assets/fonts/plus-jakarta-sans-latin-800-normal.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
/* Ohlásenie na kľúč – spoločné štýly (mobile first) */
:root{
  --navy:#0F2A44; --blue:#1E5AA8; --blue-d:#163F78; --tint:#F2F7FC; --line:#DCE6F2;
  --muted:#4A5D72; --text:#22384F; --green:#1C7C4E; --green-t:#E8F5EE; --amber:#B4540A; --amber-t:#FDF1E2;
  --radius:16px; --font:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
  --head:'Plus Jakarta Sans','Inter',system-ui,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--text);background:#fff;font-size:17px;line-height:1.7}
img{max-width:100%;height:auto}
a{color:var(--blue)} a:hover{color:var(--blue-d)}
h1,h2,h3{font-family:var(--head);color:var(--navy);line-height:1.2}
.wrap{max-width:1200px;margin:0 auto;padding:0 20px}

/* hlavička */
.hdr{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-family:var(--head);font-weight:800;font-size:18px}
.logo i{width:36px;height:36px;border-radius:10px;background:var(--blue);display:flex;align-items:center;justify-content:center}
.logo b{color:var(--blue);font-weight:800}
.nav{display:none;gap:24px;font-size:15px;font-weight:500}
.nav a{color:var(--navy);text-decoration:none}
.phone{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--navy);line-height:1.15}
.phone small{display:block;font-size:11px;color:var(--muted)}
.phone strong{font-size:15px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 22px;border-radius:12px;background:var(--blue);color:#fff;text-decoration:none;font-weight:700;font-size:16px;border:0}
.btn:hover{background:var(--blue-d);color:#fff}
.btn.white{background:#fff;color:var(--blue)}
.btn.outline{background:#fff;color:var(--blue);border:1.5px solid var(--blue)}
.hdr .btn{display:none}
@media(min-width:900px){.nav{display:flex}.hdr .btn{display:inline-flex}.phone strong{font-size:17px}}

/* článok */
.crumbs{font-size:14px;color:var(--muted);padding:20px 0 0}
.crumbs a{color:var(--muted)}
.article{max-width:780px;margin:0 auto;padding:12px 20px 64px}
.meta{display:flex;flex-wrap:wrap;gap:8px 14px;align-items:center;font-size:14px;color:var(--muted);margin:12px 0}
.tag{font-size:12px;font-weight:700;letter-spacing:.6px;text-transform:uppercase;color:var(--blue);background:#EAF2FB;padding:5px 10px;border-radius:999px}
.article h1{font-size:32px;margin:8px 0 18px;letter-spacing:-.5px}
.article h2{font-size:24px;margin:34px 0 10px}
.article h3{font-size:19px;margin:22px 0 6px}
.article p,.article ul,.article ol{margin:0 0 14px}
.article li{margin:0 0 6px}
@media(min-width:700px){.article h1{font-size:44px}.article h2{font-size:28px}body{font-size:18px}}
.answer{background:var(--tint);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;margin:0 0 20px}
.answer .lbl{display:block;font-size:12px;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:var(--blue);margin-bottom:4px}
.answer p{margin:0;font-size:18px;color:var(--navy)}
.years{display:grid;grid-template-columns:1fr;gap:14px;margin:8px 0 18px}
@media(min-width:700px){.years{grid-template-columns:1fr 1fr}}
.year{border:1px solid var(--line);border-top:4px solid var(--blue);border-radius:var(--radius);padding:16px 18px;font-size:16px}
.year.y27{border-top-color:var(--green)}
.year .lbl{display:block;font-size:12px;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:var(--blue);margin-bottom:6px}
.year.y27 .lbl{color:var(--green)}
.year ul{padding-left:18px;margin:0}
.note{background:var(--amber-t);border-left:0;border-radius:var(--radius);padding:14px 18px;font-size:16px}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:14px;margin:8px 0 18px}
.tbl table{width:100%;min-width:520px;border-collapse:collapse;font-size:15px;line-height:1.5}
.tbl th,.tbl td{padding:12px 14px;text-align:left;border-top:1px solid var(--line);vertical-align:top}
.tbl thead th{background:var(--tint);border-top:0}
.cta{background:var(--blue);color:#fff;border-radius:18px;padding:22px;margin:26px 0;display:flex;flex-direction:column;gap:12px}
.cta strong{font-family:var(--head);font-size:21px}
.cta p{margin:0;color:#E3EDF9;font-size:16px}
@media(min-width:700px){.cta{flex-direction:row;align-items:center;justify-content:space-between}.cta div{flex:1}}
.faq details{border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:0 0 10px;background:#fff}
.faq summary{cursor:pointer;list-style:none;font-weight:600;color:var(--navy);padding:14px 0;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--blue);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0 0 14px;font-size:16px}
.endcta{border:2px solid var(--blue);border-radius:18px;padding:22px;margin:30px 0}
.endcta h2{margin-top:0;font-size:22px}
.related{display:grid;grid-template-columns:1fr;gap:12px;margin:8px 0 18px}
@media(min-width:700px){.related{grid-template-columns:repeat(3,1fr)}}
.related a{display:block;border:1px solid var(--line);border-radius:14px;padding:14px 16px;text-decoration:none;color:var(--navy);font-weight:600;font-size:15px;line-height:1.45}
.related a span{display:block;font-size:11px;font-weight:800;letter-spacing:.6px;text-transform:uppercase;color:var(--blue);margin-bottom:4px}
.disclaimer{font-size:14px;color:var(--muted);border-top:1px solid var(--line);padding-top:16px;margin-top:24px}
.src{font-size:14px;color:var(--muted)}

/* päta */
.ftr{background:var(--navy);color:#C9D8EA;font-size:14px}
.ftr .wrap{padding-top:40px;padding-bottom:28px;display:grid;grid-template-columns:1fr;gap:24px}
@media(min-width:800px){.ftr .wrap{grid-template-columns:2fr 1fr 1fr 1fr}}
.ftr a{color:#C9D8EA;text-decoration:none;display:block;margin:0 0 6px}
.ftr b{color:#fff;display:block;margin-bottom:8px}
.ftr .copy{grid-column:1/-1;border-top:1px solid rgba(201,216,234,.2);padding-top:16px;font-size:13px}