.calcs{padding:64px 0 96px}
.calc-intro h1{font-size:clamp(2.6rem,5.4vw,4.8rem);line-height:.98;letter-spacing:-.058em;margin:14px 0 0;font-weight:800}
.calc-intro h1 em{font-style:normal;color:var(--navy-3)}
html[data-theme="dark"] .calc-intro h1 em{color:#7ba8c1}
.calc-intro>p{color:var(--muted);max-width:560px;margin:18px 0 0;line-height:1.85}
.calc-tabs{display:flex;gap:6px;margin-top:30px;padding:6px;border-radius:20px;background:var(--surface-2);border:1px solid var(--line);scroll-margin-top:96px}
.ctab{flex:1;min-height:50px;padding:10px 16px;border:0;border-radius:15px;background:none;color:var(--muted);font:inherit;font-size:.95rem;font-weight:800;line-height:1.25;cursor:pointer;transition:.2s}
.ctab:hover{color:var(--ink)}
.ctab.active{background:var(--surface);color:var(--ink);box-shadow:0 8px 22px rgba(7,32,49,.12)}
.ctab:focus-visible,.tab:focus-visible{outline:2px solid var(--orange);outline-offset:2px}
.calc-card[hidden]{display:none}
.calc-card{margin-top:22px;padding:36px;border-radius:var(--radius);border:1px solid var(--line);background:var(--surface);box-shadow:0 12px 42px rgba(7,32,49,.05);scroll-margin-top:96px}
.calc-card h2{margin:0;font-size:clamp(1.6rem,3vw,2.3rem);letter-spacing:-.04em;font-weight:800}
.calc-card h3{margin:26px 0 0;font-size:1rem;letter-spacing:-.01em}
.calc-card .sub{margin:6px 0 0;color:var(--muted)}

.calc-card .fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px 24px;margin-top:20px}
.calc-card .fields label,.calc-card .check{display:flex;flex-direction:column;gap:7px;font-size:.84rem;font-weight:700;color:var(--muted)}
.inp{display:flex;align-items:center;border:1px solid var(--line);border-radius:14px;background:var(--paper);overflow:hidden;transition:.2s}
.inp:focus-within{border-color:var(--orange);box-shadow:0 0 0 4px color-mix(in srgb,var(--orange) 18%,transparent)}
.inp input{flex:1;min-width:0;border:0;outline:0;padding:14px 16px;font:inherit;font-size:1.05rem;font-weight:700;color:var(--ink);background:transparent}
.inp i{font-style:normal;padding:0 16px;color:var(--muted);font-size:.8rem;white-space:nowrap}
.inp input:focus{border:0;box-shadow:none}
.inp input.bad{background:color-mix(in srgb,#e5484d 18%,transparent)}

.tabs{display:flex;flex-wrap:wrap;gap:6px;margin-top:22px;padding:6px;border-radius:18px;background:var(--surface-2);width:fit-content;max-width:100%}
.tabs[hidden]{display:none}
.calc-subtabs{width:100%;margin-top:0}
.calc-view{margin-top:12px;scroll-margin-top:96px}
.calc-view[hidden]{display:none}
.tab{flex:1 1 auto;font:inherit;font-size:.86rem;font-weight:800;cursor:pointer;background:none;border:0;padding:10px 18px;border-radius:13px;color:var(--muted);text-align:center}
.tab small{display:block;font-weight:600;font-size:.72rem;opacity:.8}
.tab.active{background:var(--surface);color:var(--ink);box-shadow:0 6px 18px rgba(7,32,49,.1)}
.tabpane{display:none}.tabpane.active{display:block}

/* voľba, ako sa počíta voľná suma (mimoriadny vklad / mesačne navyše): rovnaký pruh ako výber druhov pri hypotékach, nad názvom kalkulačky */
.usage-label{display:block;margin:0 0 8px 4px;font-size:.84rem;font-weight:700;color:var(--muted)}
.seg-opt{position:relative;display:flex;flex:1 1 auto;margin:0;gap:0;font-size:inherit;font-weight:inherit;color:inherit}
.seg-opt input{position:absolute;opacity:0;width:1px;height:1px;padding:0;margin:0;border:0;pointer-events:none}
.seg-opt span{flex:1;display:flex;flex-direction:column;justify-content:center;padding:10px 18px;border-radius:13px;color:var(--muted);font-size:.86rem;font-weight:800;line-height:1.35;text-align:center;cursor:pointer;transition:.2s}
.seg-opt span small{display:block;font-weight:600;font-size:.72rem;opacity:.8}
.seg-opt input:checked+span{background:var(--surface);color:var(--ink);box-shadow:0 6px 18px rgba(7,32,49,.1)}
.seg-opt input:focus-visible+span{outline:2px solid var(--orange);outline-offset:2px}
.usage-hint{margin:14px 0 0;font-size:.82rem;color:var(--muted)}

.results{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px;margin-top:28px}
.kpi{padding:20px;border-radius:20px;background:var(--surface-2);border:1px solid var(--line)}
.kpi span{display:block;font-size:.78rem;color:var(--muted);font-weight:650}
.kpi b{display:block;margin-top:6px;font-size:1.55rem;letter-spacing:-.03em;color:var(--ink)}
.kpi.good b{color:var(--orange)}
.kpi.bad b{color:#e5484d}
.verdict{grid-column:1/-1;padding:18px 22px;border-radius:20px;border-left:4px solid var(--orange);background:var(--surface-2);line-height:1.7}
.verdict.err{border-left-color:#e5484d}
.note{margin:18px 0 0;font-size:.78rem;color:var(--muted)}

.check{flex-direction:row!important;align-items:flex-start;gap:10px!important;margin-top:20px;font-weight:600!important}
.check input{flex:none;width:auto;padding:0;margin:4px 0 0;accent-color:var(--orange)}
#mailform .btn{margin-top:20px}
.hp{position:absolute;left:-9999px;height:0;width:0;opacity:0}
.status{margin:14px 0 0;font-weight:700}
.status.ok{color:#2fa36b}.status.err{color:#e5484d}

@media(max-width:720px){
  .calc-view,.calc-card{scroll-margin-top:86px}
  .calcs{padding-top:40px}
  .calc-card{padding:22px}
  .tabs{width:100%}
}

.mailwhat{margin:14px 0 0;font-size:.85rem}

/* výzva na kontakt (v každej kalkulačke a pri odoslaní na mail) */
.help{display:flex;flex-wrap:wrap;align-items:center;gap:8px 22px;margin-top:28px;padding:16px 20px;border-radius:16px;background:var(--surface-2);border:1px solid var(--line);font-size:.9rem;line-height:1.5;color:var(--ink)}
.help strong{font-weight:700}
.help-links{display:flex;flex-wrap:wrap;gap:4px 22px}
.help a{color:var(--ink);font-weight:700;text-decoration:none;border-bottom:2px solid var(--orange);overflow-wrap:anywhere}
.help a:hover{color:var(--orange)}