/* Veřejné tematické stránky (Hypotéka Liberec apod.) */
.article-page .art-wrap{max-width:820px}
.art-hero{background:radial-gradient(900px 500px at 15% 0%,rgba(23,96,124,.55),transparent 70%),var(--ink);color:#dce8ee;padding:clamp(40px,7vw,84px) 0 clamp(40px,6vw,72px)}
.art-hero h1{color:#fff;font-size:clamp(2rem,4.6vw,3.2rem);line-height:1.08;letter-spacing:-.025em;margin:.25em 0 .4em}
.art-hero .lead{color:#b8cdd8;max-width:680px}
.art-hero .eyebrow{color:#9ec0d2}
.crumbs{font-size:.82rem;color:#8fa9b6;margin-bottom:22px}.crumbs a{color:#cfe1ea;text-decoration:none}.crumbs a:hover{text-decoration:underline}.crumbs span{margin:0 6px;opacity:.5}
.art-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn--ghost-light{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.35)}
.btn--ghost-light:hover{border-color:#fff}
.art-body{background:var(--paper,#fbfaf7)}
.prose{font-size:1.06rem;line-height:1.7;color:#2b3d47}
.prose h2{font-size:clamp(1.45rem,2.6vw,1.9rem);margin:1.9em 0 .6em;color:var(--ink)}
.prose h2:first-child{margin-top:0}
.prose p{margin:0 0 1em}
.prose a{color:var(--sea);font-weight:600}
.prose b{color:var(--ink)}
.prose .small{font-size:.86rem;color:#6b7c86}
.checks{list-style:none;padding:0;margin:0 0 1.2em;display:grid;gap:12px}
.checks li{position:relative;padding-left:32px}
.checks li::before{content:"";position:absolute;left:0;top:.45em;width:18px;height:18px;border-radius:50%;background:var(--accent,#f4b23e) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230a1f2b' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12 5 5 9-10'/%3E%3C/svg%3E") center/11px no-repeat}
.steps-list{list-style:none;padding:0;margin:0 0 1.2em;counter-reset:st;display:grid;gap:14px}
.steps-list li{counter-increment:st;display:grid;grid-template-columns:40px 1fr;gap:14px;align-items:start}
.steps-list li::before{content:counter(st);width:34px;height:34px;border-radius:50%;background:var(--ink);color:var(--accent,#f4b23e);font:800 1rem var(--font-head,inherit);display:grid;place-items:center}
.note{background:#fff;border-left:4px solid var(--accent,#f4b23e);border-radius:12px;padding:14px 18px;margin:1.2em 0 1.4em;box-shadow:0 6px 20px rgba(10,31,43,.06)}
.mtab{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden;box-shadow:0 6px 20px rgba(10,31,43,.06);margin:.4em 0 .6em;font-size:.98rem}
.mtab td{padding:11px 16px;border-bottom:1px solid #edf0f2}.mtab td:last-child{text-align:right;font-weight:700;color:var(--ink);white-space:nowrap}
.mtab tr.sum td{background:#fdf2dc;border-bottom:0}
.art-faq{margin-top:.4em}.art-faq details p{font-size:1rem}
.art-band{background:var(--ink);color:#dce8ee;padding:clamp(36px,6vw,64px) 0}
.art-band__in{display:flex;gap:26px;align-items:center}
.art-band img{width:96px;height:96px;border-radius:50%;object-fit:cover;flex:none;border:3px solid var(--accent,#f4b23e)}
.art-band h2{color:#fff;font-size:clamp(1.5rem,3vw,2.1rem);margin:0 0 .3em}
.art-band p{margin:0;color:#b8cdd8}
.art-band .art-cta{margin-top:18px}
.art-more h2{font-size:1.4rem;margin:0 0 16px}
.topics{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:12px}
.topic{display:flex;justify-content:space-between;align-items:center;gap:10px;background:#fff;border:1px solid #e6eaec;border-radius:14px;padding:16px 18px;font-weight:600;color:var(--ink);text-decoration:none;transition:border-color .2s,transform .2s}
.topic span{color:var(--accent,#f4b23e);font-weight:800}
.topic:hover{border-color:var(--accent,#f4b23e);transform:translateY(-2px)}
@media(max-width:640px){
  .prose{font-size:1rem}
  .art-band__in{flex-direction:column;align-items:flex-start;gap:16px}
  .art-band img{width:72px;height:72px}
  .art-cta .btn{flex:1 1 100%;justify-content:center;text-align:center}
  .mtab{font-size:.88rem}.mtab td{padding:9px 12px}
}