/* ===== Zlatá Rovnováha — Personal Finance Blog ===== */
:root{
  --ivory:#f7f2e9;
  --ivory-2:#f1e9db;
  --paper:#fbf8f1;
  --ink:#2b2520;
  --ink-soft:#4a423a;
  --gold:#9a7b3f;
  --gold-deep:#7c6231;
  --sage:#5f6f5a;
  --line:#ddd2be;
  --shadow:0 8px 30px rgba(43,37,32,.08);
  --radius:14px;
  --serif:"Playfair Display",Georgia,"Times New Roman",serif;
  --body:"Source Serif 4",Georgia,serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--body);
  color:var(--ink);
  background-color:var(--ivory);
  background-image:
    linear-gradient(rgba(247,242,233,.9),rgba(247,242,233,.9)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120' viewBox='0 0 120 120'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='120' height='120' filter='url(%23n)' opacity='0.04'/%3E%3C/svg%3E");
  line-height:1.7;
  font-size:18px;
}
.container{max-width:1160px;margin:0 auto;padding:0 24px}
a{color:var(--gold-deep);text-decoration:none;transition:color .2s}
a:hover{color:var(--gold)}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:var(--serif);font-weight:700;line-height:1.2;color:var(--ink)}
h1{font-size:clamp(2.2rem,5vw,3.4rem)}
h2{font-size:clamp(1.8rem,3.5vw,2.5rem)}
h3{font-size:1.4rem}
p{margin-bottom:1rem;color:var(--ink-soft)}
.eyebrow{font-family:var(--sans);text-transform:uppercase;letter-spacing:.22em;font-size:.72rem;color:var(--gold);font-weight:600}

/* ===== Header ===== */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(251,248,241,.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 0}
.brand{display:flex;align-items:center;gap:12px;font-family:var(--serif);font-size:1.35rem;font-weight:700;color:var(--ink)}
.brand:hover{color:var(--ink)}
.brand svg{width:38px;height:38px}
.nav-links{display:flex;gap:26px;align-items:center;font-family:var(--sans);font-size:.92rem;font-weight:500}
.nav-links a{color:var(--ink-soft)}
.nav-links a.active,.nav-links a:hover{color:var(--gold-deep)}
.nav-cta{background:var(--gold);color:#fff!important;padding:10px 20px;border-radius:40px;font-weight:600}
.nav-cta:hover{background:var(--gold-deep);color:#fff!important}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px}
.burger span{width:26px;height:2px;background:var(--ink);border-radius:2px}

/* ===== Hero ===== */
.hero{padding:80px 0 70px;position:relative}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}
.hero h1{margin:18px 0 20px}
.hero p.lead{font-size:1.2rem;margin-bottom:28px}
.hero-img{border-radius:var(--radius);box-shadow:var(--shadow);border:6px solid var(--paper)}
.btn{display:inline-block;font-family:var(--sans);font-weight:600;padding:14px 30px;border-radius:44px;cursor:pointer;border:none;font-size:.95rem;transition:all .25s}
.btn-primary{background:var(--gold);color:#fff}
.btn-primary:hover{background:var(--gold-deep);color:#fff;transform:translateY(-2px)}
.btn-outline{background:transparent;color:var(--gold-deep);border:1.5px solid var(--gold)}
.btn-outline:hover{background:var(--gold);color:#fff}
.btn-row{display:flex;gap:14px;flex-wrap:wrap}

/* ===== Sections ===== */
.section{padding:70px 0}
.section-head{text-align:center;max-width:680px;margin:0 auto 48px}
.section-head h2{margin:12px 0}
.bg-paper{background:var(--paper)}
.bg-ink{background:var(--ink);color:var(--ivory)}
.bg-ink h2,.bg-ink h3{color:var(--ivory)}
.bg-ink p{color:#d8cdba}

/* ===== Cards ===== */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:32px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow);transition:transform .25s}
.card:hover{transform:translateY(-4px)}
.card .ico{width:52px;height:52px;border-radius:12px;background:var(--ivory-2);display:flex;align-items:center;justify-content:center;margin-bottom:18px;color:var(--gold-deep)}
.card h3{margin-bottom:10px}
.card-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);background:var(--paper)}
.card-img img{aspect-ratio:16/10;object-fit:cover;width:100%}
.card-img .body{padding:24px}
.card-img .body h3{margin-bottom:8px}
.tag{display:inline-block;font-family:var(--sans);font-size:.7rem;text-transform:uppercase;letter-spacing:.12em;color:var(--gold-deep);background:var(--ivory-2);padding:4px 12px;border-radius:20px;margin-bottom:12px}

/* ===== Feature list ===== */
.feature-list{list-style:none}
.feature-list li{padding-left:34px;position:relative;margin-bottom:14px;color:var(--ink-soft)}
.feature-list li::before{content:"";position:absolute;left:0;top:8px;width:16px;height:16px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px var(--ivory-2)}

/* ===== Pricing ===== */
.pricing-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;align-items:stretch}
.price-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:36px 30px;display:flex;flex-direction:column;box-shadow:var(--shadow);position:relative}
.price-card.featured{border:2px solid var(--gold);transform:scale(1.03)}
.price-card .badge{position:absolute;top:-14px;left:50%;transform:translateX(-50%);background:var(--gold);color:#fff;font-family:var(--sans);font-size:.72rem;font-weight:600;padding:6px 18px;border-radius:20px;letter-spacing:.08em}
.price-card h3{margin-bottom:6px}
.price{font-family:var(--serif);font-size:2.6rem;color:var(--ink);margin:14px 0 4px}
.price span{font-size:1rem;color:var(--ink-soft);font-family:var(--sans)}
.price-card ul{list-style:none;margin:22px 0 28px;flex-grow:1}
.price-card ul li{padding:9px 0;border-bottom:1px solid var(--line);font-size:.95rem;color:var(--ink-soft)}
.price-card ul li::before{content:"✓ ";color:var(--gold-deep);font-weight:700}

/* ===== Stats ===== */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stat .num{font-family:var(--serif);font-size:2.8rem;color:var(--gold)}
.stat .lbl{font-family:var(--sans);font-size:.85rem;text-transform:uppercase;letter-spacing:.12em;color:var(--ink-soft)}

/* ===== Quote / testimonial ===== */
.testi{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.testi blockquote{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.testi blockquote p{font-style:italic;font-size:1.05rem}
.testi .who{display:flex;align-items:center;gap:12px;margin-top:16px}
.testi .who img{width:48px;height:48px;border-radius:50%;object-fit:cover}
.testi .who strong{font-family:var(--sans);font-size:.9rem;color:var(--ink);display:block}
.testi .who span{font-family:var(--sans);font-size:.8rem;color:var(--gold-deep)}

/* ===== Forms ===== */
.form-wrap{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:40px;box-shadow:var(--shadow)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.field{margin-bottom:20px}
.field label{display:block;font-family:var(--sans);font-size:.85rem;font-weight:600;margin-bottom:7px;color:var(--ink)}
.field input,.field textarea,.field select{
  width:100%;padding:13px 16px;border:1px solid var(--line);border-radius:10px;
  background:var(--ivory);font-family:var(--body);font-size:1rem;color:var(--ink);transition:border .2s}
.field input:focus,.field textarea:focus,.field select:focus{outline:none;border-color:var(--gold)}
.field textarea{resize:vertical;min-height:130px}
.checkbox-field{display:flex;gap:10px;align-items:flex-start;font-family:var(--sans);font-size:.85rem;color:var(--ink-soft)}
.checkbox-field input{width:auto;margin-top:4px}
.form-msg{padding:14px 18px;border-radius:10px;margin-top:16px;font-family:var(--sans);font-size:.9rem;display:none}
.form-msg.ok{background:#e6efe4;color:#3c5237;display:block}
.form-msg.err{background:#f3e2df;color:#8a3b30;display:block}

/* ===== Prose / legal ===== */
.prose{max-width:800px;margin:0 auto}
.prose h2{margin:36px 0 14px}
.prose h3{margin:26px 0 10px}
.prose p,.prose li{color:var(--ink-soft)}
.prose ul,.prose ol{margin:0 0 18px 24px}
.prose li{margin-bottom:8px}
.prose .updated{font-family:var(--sans);font-size:.85rem;color:var(--gold-deep);margin-bottom:30px}

/* ===== Article ===== */
.article-hero img{border-radius:var(--radius);box-shadow:var(--shadow);aspect-ratio:21/9;object-fit:cover;width:100%}
.article-body{max-width:760px;margin:40px auto 0}
.article-body h2{margin:32px 0 12px}
.article-body blockquote{border-left:4px solid var(--gold);padding:8px 22px;margin:24px 0;background:var(--paper);font-style:italic;border-radius:0 10px 10px 0}
.meta-row{display:flex;gap:18px;font-family:var(--sans);font-size:.85rem;color:var(--ink-soft);margin:16px 0 0}

/* ===== Contact info bar ===== */
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.info-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:28px;text-align:center;box-shadow:var(--shadow)}
.info-card .ico{margin:0 auto 14px}
.info-card h3{font-size:1.1rem;margin-bottom:6px}

/* ===== CTA band ===== */
.cta-band{background:linear-gradient(135deg,var(--ink),#3a332c);border-radius:var(--radius);padding:56px;text-align:center;color:var(--ivory)}
.cta-band h2{color:var(--ivory);margin-bottom:14px}
.cta-band p{color:#d8cdba;max-width:560px;margin:0 auto 26px}

/* ===== Footer ===== */
.site-footer{background:var(--ink);color:#cbc0ad;padding:60px 0 28px;font-family:var(--sans);font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;margin-bottom:40px}
.footer-grid h4{color:var(--ivory);font-family:var(--serif);font-size:1.15rem;margin-bottom:16px}
.footer-grid a{color:#cbc0ad;display:block;margin-bottom:9px}
.footer-grid a:hover{color:var(--gold)}
.footer-brand{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-size:1.3rem;color:var(--ivory);margin-bottom:14px}
.footer-brand svg{width:34px;height:34px}
.footer-bottom{border-top:1px solid #4a423a;padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;color:#9a8f7d;font-size:.82rem}
.footer-bottom a{color:#9a8f7d}

/* ===== Cookie banner ===== */
.cookie-banner{
  position:fixed;bottom:20px;left:20px;right:20px;max-width:520px;margin:0 auto;
  background:var(--ink);color:var(--ivory);border-radius:var(--radius);padding:24px 26px;
  box-shadow:0 12px 40px rgba(0,0,0,.35);z-index:1000;font-family:var(--sans);font-size:.88rem;display:none}
.cookie-banner.show{display:block}
.cookie-banner h4{color:var(--ivory);font-family:var(--serif);margin-bottom:8px}
.cookie-banner p{color:#cbc0ad;margin-bottom:16px;font-size:.85rem}
.cookie-actions{display:flex;gap:12px;flex-wrap:wrap}
.cookie-actions .btn{padding:10px 22px;font-size:.85rem}
.cookie-actions .link{align-self:center;color:#cbc0ad;text-decoration:underline;font-size:.82rem}

/* ===== Breadcrumb ===== */
.breadcrumb{font-family:var(--sans);font-size:.82rem;color:var(--ink-soft);padding:22px 0 0}
.breadcrumb a{color:var(--gold-deep)}

/* ===== Page hero small ===== */
.page-hero{padding:60px 0 40px;text-align:center}
.page-hero .eyebrow{display:block;margin-bottom:14px}
.page-hero p{max-width:640px;margin:14px auto 0;font-size:1.1rem}

/* ===== Responsive ===== */
@media(max-width:900px){
  .hero-grid,.grid-3,.grid-2,.pricing-grid,.stats,.testi,.info-grid,.footer-grid,.form-row,.article-body,.info-grid{grid-template-columns:1fr}
  .grid-3,.testi,.info-grid{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .price-card.featured{transform:none}
  .nav-links{
    position:fixed;top:66px;right:0;bottom:0;width:75%;max-width:300px;
    flex-direction:column;background:var(--paper);padding:32px 26px;gap:20px;
    transform:translateX(100%);transition:transform .3s;box-shadow:-8px 0 30px rgba(0,0,0,.1);align-items:flex-start}
  .nav-links.open{transform:translateX(0)}
  .burger{display:flex}
  .hero{padding:50px 0}
  .section{padding:50px 0}
}
@media(max-width:560px){
  .stats,.footer-grid{grid-template-columns:1fr}
  .cta-band,.form-wrap{padding:30px 22px}
  body{font-size:17px}
}