/* Chytrý Srovnávač: mortgage topical guides, mobile first */
.hm-topic-page{background:linear-gradient(180deg,#f6faf7 0%,#fff 380px);min-height:60vh;padding:20px 20px 70px;color:#193e34}
.hm-topic-container{width:min(100%,1240px);margin:0 auto}
.hm-crumbs{font-size:12px;color:#6f837a;display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px;align-items:center}
.hm-crumbs a{color:#3a755f;text-decoration:none}.hm-crumbs a:hover{text-decoration:underline}
.hm-hero{background:linear-gradient(115deg,#eaf6ee,#ffffff 57%,#eff8f2);border:1px solid #d5e8dc;border-radius:24px;padding:38px 38px 34px;display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:30px;align-items:center;position:relative;overflow:hidden}
.hm-hero:before{content:"";position:absolute;width:270px;height:270px;border-radius:50%;background:radial-gradient(circle,#c1e8cb82,transparent 72%);right:-50px;top:-90px;pointer-events:none}
.hm-hero-main{position:relative;z-index:1}
.hm-overline{font-size:11px;letter-spacing:1.3px;font-weight:850;color:#267e5e;text-transform:uppercase;display:inline-flex;gap:7px;align-items:center}
.hm-hero h1{font-size:clamp(29px,3.3vw,46px)!important;line-height:1.12!important;letter-spacing:-1.2px;font-weight:860;color:#153d34!important;margin:10px 0 14px!important}
.hm-hero .hm-intro{font-size:16px;line-height:1.75;color:#526d5f;margin:0 0 21px;max-width:760px}
.hm-hero-actions{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.hm-pill-action{display:inline-flex;gap:8px;align-items:center;padding:12px 19px;border-radius:10px;color:#fff!important;background:#217f62!important;text-decoration:none!important;font-size:14px;font-weight:780;transition:transform .22s,background .22s,box-shadow .22s;box-shadow:0 5px 20px #217f6223}
.hm-pill-action:hover{transform:translateY(-2px);background:#155a46!important;box-shadow:0 10px 26px #217f6233}
.hm-soft-link{font-size:13px;color:#33735a!important;font-weight:750;text-decoration:none!important;padding:9px 10px}
.hm-hero-aside{position:relative;z-index:1;border-radius:18px;padding:23px;background:#fff;border:1px solid #dceade;box-shadow:0 16px 38px #1c704014}
.hm-hero-aside .hm-aside-icon{display:grid;place-items:center;width:50px;height:50px;border-radius:14px;font-size:26px;background:#e3f4e9;margin-bottom:13px}
.hm-hero-aside strong{display:block;font-size:18px;color:#224939;margin-bottom:7px;line-height:1.3}
.hm-hero-aside p{font-size:13px;line-height:1.65;color:#63796a;margin:0}
.hm-tag-row{display:flex;flex-wrap:wrap;gap:9px;margin:14px 0 30px}
.hm-tag{display:inline-flex;align-items:center;gap:7px;font-size:12px;font-weight:700;color:#4d765f;padding:9px 13px;background:#fff;border:1px solid #e1ede4;border-radius:99px}
.hm-topic-page .hm-section{margin:27px 0 0;border:1px solid #e1ebe4;border-radius:20px;padding:28px 30px;background:#fff;box-shadow:0 8px 30px #25452f08}
.hm-topic-page .hm-section h2{font-size:clamp(21px,2.5vw,29px)!important;line-height:1.23!important;letter-spacing:-.55px;color:#193d31!important;margin:0 0 16px!important;font-weight:850}
.hm-topic-page .hm-section h3{font-size:18px;font-weight:810;color:#22513e;margin:16px 0 8px}
.hm-topic-page .hm-section p{font-size:15px;line-height:1.84;color:#54695e;margin:0 0 14px}
.hm-topic-page .hm-section p:last-child{margin-bottom:0}
.hm-topic-page .hm-section a{color:#227c5a;text-decoration:underline;text-underline-offset:3px}
.hm-feature-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:20px}
.hm-feature{padding:20px 18px;border-radius:15px;border:1px solid #dcece1;background:#f9fcf9;transition:transform .25s,box-shadow .25s,border-color .25s}
.hm-feature:hover{transform:translateY(-3px);box-shadow:0 12px 26px #27634214;border-color:#acd9c0}
.hm-feature .hm-feature-icon{font-size:22px;margin-bottom:9px}
.hm-feature strong{display:block;font-size:16px;line-height:1.35;color:#234936;margin-bottom:7px}
.hm-feature p{font-size:13px!important;line-height:1.66!important;margin:0!important}
.hm-two-col{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(260px,.7fr);gap:18px;align-items:start}
.hm-checklist{border:1px solid #dfeee3;background:#f4faf5;border-radius:15px;padding:18px}
.hm-checklist h3{margin:0 0 11px!important}
.hm-check{display:flex;align-items:start;gap:9px;padding:10px 0;border-bottom:1px solid #e1eee4;font-size:13px;line-height:1.5;color:#3f6251;cursor:pointer}
.hm-check:last-child{border-bottom:0}
.hm-check input{appearance:auto;accent-color:#238966;min-width:17px;height:17px;margin:2px 0 0}
.hm-check:has(input:checked){color:#738578;text-decoration:line-through;text-decoration-thickness:1px}
.hm-card-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px;margin:15px 0}
.hm-card-item{border-radius:14px;padding:20px;border:1px solid #dfebe3;background:#fcfefc}
.hm-card-item .hm-card-index{display:block;color:#2a845f;font-size:12px;font-weight:850;margin-bottom:7px}
.hm-card-item h3{margin:0 0 8px!important}
.hm-case{background:#eaf6ee;border:1px solid #d3e7d8;padding:21px 23px;border-radius:16px;margin:14px 0;position:relative}
.hm-case .hm-case-label{display:block;font-size:12px;letter-spacing:1px;text-transform:uppercase;color:#328467;font-weight:850;margin-bottom:8px}
.hm-case p{font-size:14px!important;line-height:1.8!important;margin:0!important}
.hm-warn{border-left:4px solid #d6ab61;background:#fff9eb;border-radius:0 12px 12px 0;padding:18px 19px;margin:19px 0}
.hm-warn p{font-size:14px!important;margin:0!important;color:#765f3d!important}
.hm-topic-page .hm-details{border-top:1px solid #e2ebe5}
.hm-topic-page .hm-details details{border-bottom:1px solid #e2ebe5;padding:17px 2px}
.hm-topic-page .hm-details summary{font-size:15px;line-height:1.4;color:#214c39;font-weight:780;cursor:pointer;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:14px}
.hm-topic-page .hm-details summary::-webkit-details-marker{display:none}
.hm-topic-page .hm-details summary:after{content:"+";font-size:22px;font-weight:450;color:#25875f;transition:transform .2s}
.hm-topic-page .hm-details details[open] summary:after{transform:rotate(45deg)}
.hm-topic-page .hm-details details p{margin:12px 0 3px!important;font-size:14px!important}
.hm-refs{list-style:disc;padding-left:20px;color:#496554}
.hm-refs li{font-size:13px;line-height:1.9}
.hm-topic-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:14px}
.hm-topic-links a{border:1px solid #dbe9e0;background:#fff;padding:16px;border-radius:13px;color:#276d52!important;text-decoration:none!important;font-weight:760;font-size:13px;transition:transform .2s,border-color .2s}
.hm-topic-links a:hover{transform:translateY(-3px);border-color:#98cdb1}
.hm-topic-page .hm-disclosure{font-size:12px;line-height:1.7;margin:22px 0;color:#6d8376}
.hm-widget{background:white;border:1px solid #d4e8dd;border-radius:22px;overflow:hidden;margin:30px 0 0;box-shadow:0 14px 46px #245c3410;scroll-margin-top:80px}
.hm-widget-head{padding:23px 28px 17px}
.hm-widget-kicker{font-size:11px;letter-spacing:1px;color:#248362;font-weight:850}
.hm-widget-head h2{color:#214c3b!important;font-size:25px!important;line-height:1.25!important;margin:7px 0 6px!important;font-weight:860}
.hm-widget-head p{font-size:14px;color:#687c6d;line-height:1.6;margin:0}
.hm-widget-layout{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(320px,.9fr);gap:17px;padding:0 18px 18px}
.hm-widget-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;padding:17px 9px}
.hm-widget-field{display:flex;flex-direction:column;gap:9px;color:#3d5f4d;font-weight:760;font-size:13px}
.hm-inputline{display:flex;align-items:center;min-height:48px;border:1px solid #d6e7dc;border-radius:11px;background:#fbfdfb;padding:9px 12px;gap:8px}
.hm-inputline input{font:inherit;font-size:19px;font-weight:800;color:#1c4334;min-width:0;width:100%;border:0!important;outline:0!important;background:transparent!important;box-shadow:none!important;padding:0!important;margin:0!important}
.hm-inputline b{font-size:12px;color:#678372;font-weight:700;white-space:nowrap}
.hm-widget-field input[type=range]{width:100%;accent-color:#278566;cursor:pointer}
.hm-widget-answer{padding:25px 24px;background:#184637;border-radius:16px;color:white;display:flex;flex-direction:column;gap:9px}
.hm-widget-answer>span{font-size:11px;letter-spacing:.65px;color:#c1dfcf;font-weight:780}
.hm-widget-answer>strong{font-size:clamp(28px,3vw,39px);letter-spacing:-.7px;line-height:1.15;margin-bottom:9px;color:#fff;font-weight:850}
.hm-widget-metric{display:flex;gap:10px;justify-content:space-between;align-items:center;border-top:1px solid #ffffff24;padding-top:11px;margin-top:5px;font-size:12px;color:#d5e7dc}
.hm-widget-metric b{font-size:15px;color:#fff;white-space:nowrap}
.hm-widget-cta{display:block;text-align:center;border-radius:10px;background:#b9e5c6;padding:14px 12px;color:#1c5035!important;text-decoration:none!important;font-size:14px;font-weight:830;margin-top:12px;transition:background .2s,transform .2s}
.hm-widget-cta:hover{background:#d6f3db;transform:translateY(-2px)}
.hm-widget-answer small{color:#c2d7c9;font-size:11px;line-height:1.55;margin-top:4px}
.hm-presets{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0 0}
.hm-presets button{border-radius:99px;border:1px solid #cae2d2;padding:8px 13px;background:white;color:#2d7955;font-weight:750;font-size:12px;cursor:pointer;transition:background .2s,transform .2s}
.hm-presets button:hover{background:#e5f4e9;transform:translateY(-2px)}
@media(max-width:1020px){.hm-hero{grid-template-columns:minmax(0,1fr) 215px;gap:16px;padding:28px}.hm-widget-layout{grid-template-columns:1fr}.hm-widget-answer{min-height:0}.hm-feature-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.hm-topic-links{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:700px){.hm-topic-page{padding:12px 12px 52px}.hm-hero{padding:23px 18px;grid-template-columns:1fr;border-radius:19px}.hm-hero h1{font-size:32px!important}.hm-hero .hm-intro{font-size:14px;line-height:1.68}.hm-hero-aside{display:none}.hm-tag-row{margin:13px 0 21px}.hm-feature-grid,.hm-card-list,.hm-two-col,.hm-topic-links{grid-template-columns:1fr}.hm-topic-page .hm-section{padding:23px 18px;border-radius:17px;margin-top:16px}.hm-topic-page .hm-section p{font-size:14px}.hm-topic-page .hm-section h2{font-size:22px!important}.hm-widget{margin-top:18px;border-radius:17px}.hm-widget-head{padding:22px 18px 12px}.hm-widget-head h2{font-size:23px!important}.hm-widget-layout{padding:0 13px 13px}.hm-widget-fields{grid-template-columns:1fr;gap:15px;padding:10px 5px 18px}.hm-widget-answer{padding:23px 18px}.hm-pill-action{width:100%;justify-content:center}.hm-crumbs{margin:0 4px 12px}}

.hm-hub-directory{padding:32px 0 20px;margin-top:34px}
.hm-hub-directory>.hm-overline{font-size:11px;color:#2f8b6b;letter-spacing:1.1px;font-weight:850}
.hm-hub-directory h2{font-size:clamp(24px,2.7vw,32px);font-weight:850;color:#153f32;margin:9px 0 9px;line-height:1.2}
.hm-hub-directory>p{font-size:15px;line-height:1.75;color:#617969;max-width:760px;margin:0 0 22px}
.hm-hub-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}
.hm-hub-topic{display:flex;flex-direction:column;align-items:flex-start;gap:9px;background:#fff;border:1px solid #dbeadf;border-radius:16px;padding:22px;min-height:197px;box-shadow:0 9px 28px #16462b08;text-decoration:none!important;transition:transform .2s,box-shadow .2s,border-color .2s}
.hm-hub-topic:hover{transform:translateY(-4px);border-color:#a8d7b6;box-shadow:0 18px 32px #17462916}
.hm-hub-topic-icon{display:grid;place-items:center;border-radius:13px;background:#eaf7ee;font-size:24px;width:48px;height:48px}
.hm-hub-topic strong{display:block;font-size:16px;line-height:1.3;color:#1d4c39}
.hm-hub-topic small{font-size:12px;color:#648073;line-height:1.5}
.hm-hub-topic em{font-style:normal;color:#288561;font-weight:850;font-size:12px;margin-top:auto}
@media(max-width:960px){.hm-hub-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){.hm-hub-directory{margin-top:22px}.hm-hub-grid{grid-template-columns:1fr;gap:10px}.hm-hub-topic{min-height:0;padding:17px 18px;gap:6px}.hm-hub-topic-icon{width:42px;height:42px;font-size:22px}.hm-hub-topic strong{font-size:16px}.hm-hub-topic em{margin-top:4px}}


/* Put the shared calculator immediately after topical introduction on tablets/phones. */
@media(max-width:1020px){
 .hm-topic-container{display:flex;flex-direction:column}
 .hm-topic-container>.hm-crumbs{order:0}
 .hm-topic-container>.hm-hero{order:1}
 .hm-topic-container>#hypotecni-kalkulacka{order:2}
 .hm-topic-container>.hm-tag-row{order:3}
 .hm-topic-container>.hm-section{order:10}
 .hm-topic-container>.hm-section:first-of-type{order:4}
 .hm-topic-container>.hm-disclosure{order:11}
 .hm-topic-container>#hypotecni-kalkulacka .hm-widget{margin:12px 0 6px}
}
@media(prefers-reduced-motion:reduce){.hm-topic-page *{transition:none!important;scroll-behavior:auto!important}}