:root{
--lm-ink:#0F1729;
--lm-text:#4B5468;
--lm-blue:#2347D9;
--lm-blue-hover:#1A38B3;
--lm-blue-link:#1E3FBF;
--lm-blue-soft:#EEF1FD;
--lm-blue-light:#4D94FF;
--lm-gray:#F3F4F7;
--lm-line:#E6E8EE;
--lm-photo:#DCE2F5;
}
.lm-body{margin:0;background:#fff;color:var(--lm-ink);font-family:Manrope,system-ui,-apple-system,'Segoe UI',sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
.lm-body *,.lm-body *::before,.lm-body *::after{box-sizing:border-box}
.lm-body h1,.lm-body h2,.lm-body h3,.lm-body p,.lm-body ul,.lm-body ol,.lm-body dl,.lm-body dd{margin:0}
.lm-body ul,.lm-body ol{padding:0;list-style:none}
.lm-body a{color:var(--lm-blue-link)}
.lm-body a:hover{color:var(--lm-ink)}
.lm-body [hidden]{display:none!important}
.lm-wrap{max-width:1240px;margin-left:auto;margin-right:auto;padding-left:24px;padding-right:24px}
.lm-skip{position:absolute;left:-9999px;top:0}
.lm-skip:focus{left:16px;top:16px;z-index:100;background:#fff;padding:8px 12px}
.lm-hp{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.lm-h2{font-size:clamp(28px,3vw,40px);line-height:1.15;font-weight:800;letter-spacing:-.02em}
.lm-mb{margin-bottom:36px!important}
.lm-muted{color:var(--lm-text);font-size:17px}
.lm-eyebrow{font-size:14px;font-weight:800;color:var(--lm-blue);margin-bottom:10px!important}
.lm-section{padding-top:80px;padding-bottom:80px}
.lm-btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--lm-blue);color:#fff!important;text-decoration:none;font-weight:800;font-size:16px;padding:16px 30px;border-radius:999px;border:0;cursor:pointer;font-family:inherit;transition:background .2s}
.lm-btn:hover{background:var(--lm-blue-hover)}
.lm-btn--sm{font-size:15px;padding:12px 22px;font-weight:700}
.lm-btn--white{background:#fff;color:var(--lm-ink)!important}
.lm-btn--white:hover{background:#E9ECF5}
.lm-btn--dark{background:var(--lm-ink)}
.lm-btn--dark:hover{background:#26324D}
.lm-textlink{display:inline-flex;align-items:center;gap:8px;color:var(--lm-ink)!important;text-decoration:none;font-weight:800;padding:16px 4px}
.lm-roundbtn{flex:none;width:44px;height:44px;border-radius:50%;background:var(--lm-ink);color:#fff!important;display:flex;align-items:center;justify-content:center;transition:background .2s}
.lm-roundbtn:hover{background:var(--lm-blue)}
.lm-util{background:var(--lm-gray);font-size:13px}
.lm-util__inner{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:4px 24px;color:var(--lm-text)}
.lm-util__links{display:flex;flex-wrap:wrap;gap:0 22px}
.lm-util__links a{color:var(--lm-text);text-decoration:none;padding:10px 0}
.lm-util__links .lm-util__phone{color:var(--lm-ink);font-weight:700}
.lm-header{border-bottom:1px solid var(--lm-line);background:#fff}
.lm-header__inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 32px;padding-top:16px;padding-bottom:16px}
.lm-logo{display:block;line-height:0}
.lm-logo-svg{display:block;max-width:100%;height:auto}
.lm-nav{display:flex;flex-wrap:wrap;gap:0 30px;font-size:15px;font-weight:700}
.lm-nav a{color:var(--lm-ink);text-decoration:none;padding:10px 0}
.lm-nav a:hover{color:var(--lm-blue)}
.lm-hero{display:flex;flex-wrap:wrap;align-items:center;gap:48px;padding-top:48px;padding-bottom:32px}
.lm-hero__text{flex:1 1 480px;min-width:0}
.lm-pill{display:inline-flex;align-items:center;gap:8px;background:var(--lm-blue-soft);color:var(--lm-blue-link);font-size:13px;font-weight:700;padding:6px 14px;border-radius:999px;margin-bottom:20px}
.lm-pill__dot{width:8px;height:8px;border-radius:50%;background:#1FA463}
.lm-hero__title{font-size:clamp(38px,4.6vw,60px);line-height:1.06;font-weight:800;letter-spacing:-.035em;margin-bottom:18px!important}
.lm-hero__title span{color:var(--lm-blue)}
.lm-hero__lead{max-width:500px;font-size:18px;color:var(--lm-text);margin-bottom:32px!important}
.lm-hero__ctas{display:flex;flex-wrap:wrap;align-items:center;gap:12px 24px;margin-bottom:36px}
.lm-hero__advisor{display:flex;align-items:center;gap:14px}
.lm-hero__advisor p{font-size:14px;color:var(--lm-text);line-height:1.4}
.lm-hero__advisor strong{color:var(--lm-ink)}
.lm-avatars{display:flex}
.lm-avatars span{width:40px;height:40px;border-radius:50%;background:#C9D1EA;border:3px solid #fff}
.lm-avatars span+span{margin-left:-12px;background:#B7C1E3}
.lm-avatars span:last-child{background:#A6B2DC}
.lm-hero__media{flex:1 1 480px;min-width:0;position:relative}
.lm-hero__photo{height:520px;border-radius:32px;background:var(--lm-photo) center/cover no-repeat}
.lm-chip{position:absolute;border-radius:20px;padding:16px 20px;box-shadow:0 16px 40px rgba(15,23,41,.14);line-height:1.25}
.lm-chip strong{display:block;font-size:22px;font-weight:800}
.lm-chip span{font-size:13px}
.lm-chip--rate{left:-20px;bottom:40px;background:#fff;display:flex;align-items:center;gap:14px;padding:18px 22px}
.lm-chip--rate span{color:var(--lm-text)}
.lm-chip__icon{width:44px;height:44px;border-radius:14px;background:var(--lm-blue-soft);color:var(--lm-blue);display:flex!important;align-items:center;justify-content:center}
.lm-chip--dark{right:24px;top:72px;background:var(--lm-ink);color:#fff}
.lm-chip--dark span{color:#C3C9D8}
.lm-section__head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:16px 24px;margin-bottom:24px}
.lm-tabs{display:flex;flex-wrap:wrap;gap:8px}
.lm-tabs button{height:44px;padding:0 20px;border-radius:999px;font-family:inherit;font-size:15px;font-weight:700;cursor:pointer;background:#fff;color:var(--lm-ink);border:1px solid #D5D9E2}
.lm-tabs button[aria-selected="true"]{background:var(--lm-ink);color:#fff;border-color:var(--lm-ink)}
.lm-cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(270px,1fr));gap:20px}
.lm-card{background:#fff;border:1px solid var(--lm-line);border-radius:24px;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 10px 30px rgba(15,23,41,.06)}
.lm-card__photo{position:relative;height:170px;background:var(--lm-photo) center/cover no-repeat}
.lm-card__badge{position:absolute;top:14px;left:14px;font-size:12px;font-weight:800;color:#fff;background:var(--lm-blue);padding:5px 12px;border-radius:999px}
.lm-card__body{padding:22px 24px 24px;display:flex;flex-direction:column;gap:8px;flex:1}
.lm-card__body h3{font-size:20px;font-weight:800;letter-spacing:-.01em}
.lm-card__body p{font-size:14px;color:var(--lm-text)}
.lm-card__foot{margin-top:auto;padding-top:14px;border-top:1px solid #EEF0F4;display:flex;justify-content:space-between;align-items:flex-end;gap:12px;line-height:1.2}
.lm-card__foot strong{display:block;font-size:26px;font-weight:800;letter-spacing:-.02em}
.lm-card__foot span{font-size:13px;color:var(--lm-text)}
.lm-stats{background:var(--lm-gray)}
.lm-stats__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px;padding-top:48px;padding-bottom:48px}
.lm-stats__grid strong{display:block;font-size:38px;font-weight:800;letter-spacing:-.02em;color:var(--lm-blue);line-height:1.3}
.lm-stats__grid span{color:var(--lm-text)}
.lm-calc{display:flex;flex-wrap:wrap;gap:40px;align-items:stretch}
.lm-calc__inputs{flex:1.3 1 520px;min-width:0;border:1px solid var(--lm-line);border-radius:28px;padding:36px;display:flex;flex-direction:column;gap:28px}
.lm-range{display:flex;flex-direction:column;gap:10px}
.lm-range__head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}
.lm-range__head label{font-weight:700}
.lm-range__head strong{font-size:24px;font-weight:800}
.lm-range input{width:100%;height:28px;accent-color:var(--lm-blue);margin:0}
.lm-range__minmax{display:flex;justify-content:space-between;font-size:13px;color:var(--lm-text)}
.lm-calc__result{flex:1 1 360px;min-width:0;background:var(--lm-ink);color:#fff;border-radius:28px;padding:36px;display:flex;flex-direction:column;gap:16px}
.lm-calc__label{font-size:15px;color:#C3C9D8}
.lm-calc__pay{font-size:clamp(40px,4vw,52px);font-weight:800;letter-spacing:-.03em;line-height:1.1}
.lm-calc__rows{border-top:1px solid #2A3550;padding-top:16px;display:flex;flex-direction:column;gap:8px;font-size:15px}
.lm-calc__rows div{display:flex;justify-content:space-between;gap:12px}
.lm-calc__rows dt{color:#C3C9D8}
.lm-calc__result .lm-btn{margin-top:auto}
.lm-calc__disc{font-size:12px;color:#C3C9D8}
.lm-banner-wrap{padding-bottom:80px}
.lm-banner{background:var(--lm-blue);color:#fff;border-radius:32px;overflow:hidden;display:flex;flex-wrap:wrap;align-items:stretch}
.lm-banner__text{flex:1 1 460px;min-width:0;padding:clamp(32px,5vw,64px);display:flex;flex-direction:column;justify-content:center;align-items:flex-start;gap:18px}
.lm-banner__text h2{font-size:clamp(28px,3.4vw,44px);line-height:1.12;font-weight:800;letter-spacing:-.02em}
.lm-banner__text p{font-size:17px;color:#E3E8FF}
.lm-banner__photo{flex:1 1 400px;min-height:340px;background:var(--lm-photo) center/cover no-repeat}
.lm-advisor{display:flex;flex-wrap:wrap;align-items:center;gap:48px;padding-bottom:80px}
.lm-advisor__photo{flex:1 1 420px;min-width:0;height:440px;border-radius:32px;background:var(--lm-photo) center/cover no-repeat}
.lm-advisor__text{flex:1 1 460px;min-width:0}
.lm-advisor__text .lm-h2{margin-bottom:18px!important}
.lm-advisor__text .lm-muted{margin-bottom:28px!important}
.lm-checks{display:flex;flex-direction:column;gap:12px;margin-bottom:32px!important}
.lm-checks li{display:flex;gap:12px;align-items:center;font-weight:700}
.lm-check{width:28px;height:28px;border-radius:50%;background:var(--lm-blue-soft);color:var(--lm-blue);display:flex!important;align-items:center;justify-content:center;flex:none}
.lm-steps-wrap{background:var(--lm-gray)}
.lm-steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.lm-steps li{background:#fff;border-radius:24px;padding:28px;display:flex;flex-direction:column;gap:10px}
.lm-step__num{font-size:44px;font-weight:800;line-height:1;color:var(--lm-blue)}
.lm-steps h3{font-size:18px;font-weight:800}
.lm-steps p{font-size:14px;color:var(--lm-text)}
.lm-faq{display:flex;flex-wrap:wrap;gap:48px;align-items:flex-start}
.lm-faq__main{flex:2 1 560px;min-width:0}
.lm-faq__list{border-top:1px solid var(--lm-line)}
.lm-faq details{border-bottom:1px solid var(--lm-line);padding:20px 0}
.lm-faq summary{display:flex;justify-content:space-between;gap:16px;font-weight:700;cursor:pointer;list-style:none}
.lm-faq summary::-webkit-details-marker{display:none}
.lm-faq summary svg{flex:none;transition:transform .2s}
.lm-faq details[open] summary svg{transform:rotate(180deg)}
.lm-faq details p{margin-top:10px!important;color:var(--lm-text)}
.lm-quick{flex:1 1 300px;min-width:0;background:var(--lm-gray);border-radius:24px;padding:28px}
.lm-quick h2{font-size:20px;font-weight:800;margin-bottom:16px!important}
.lm-quick nav{display:flex;flex-direction:column}
.lm-quick a{display:flex;justify-content:space-between;align-items:center;padding:14px 0;border-bottom:1px solid #E0E3EA;color:var(--lm-ink);font-weight:600;text-decoration:none}
.lm-quick a:last-child{border-bottom:0}
.lm-contact-wrap{padding-bottom:80px;scroll-margin-top:16px}
.lm-contact{background:var(--lm-ink);color:#fff;border-radius:32px;padding:clamp(32px,5vw,56px);display:flex;flex-wrap:wrap;gap:40px;align-items:center}
.lm-contact__text{flex:1 1 380px;min-width:0}
.lm-contact__text h2{font-size:clamp(30px,3.2vw,42px);line-height:1.12;font-weight:800;letter-spacing:-.02em;margin-bottom:12px!important}
.lm-contact__text p{color:#C3C9D8}
.lm-contact__phone{margin-top:20px!important}
.lm-contact__phone a{color:#fff;font-weight:800}
.lm-form{flex:1.4 1 520px;min-width:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.lm-field{display:flex;flex-direction:column;gap:6px}
.lm-field label{font-size:13px;font-weight:700;color:#C3C9D8}
.lm-field input,.lm-field textarea{height:50px;border:0;border-radius:14px;padding:0 16px;font-size:15px;font-family:inherit;color:var(--lm-ink);background:#fff;width:100%;margin:0}
.lm-field textarea{height:auto;padding:12px 16px;resize:vertical}
.lm-field input:focus,.lm-field textarea:focus{outline:3px solid var(--lm-blue-light);outline-offset:0}
.lm-field--full{grid-column:1 / -1}
.lm-form .lm-btn{height:54px}
.lm-form__note{font-size:12px;color:#C3C9D8}
.lm-form__note a{color:#fff}
.lm-form__msg{grid-column:1 / -1;font-size:14px;padding:12px 14px;border-radius:12px}
.lm-form__msg--ok{background:#E3F5EA;color:#155C33}
.lm-form__msg--err{background:#FCE9E4;color:#8A2D17}
.lm-footer{background:var(--lm-gray);font-size:14px}
.lm-footer__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:32px;padding-top:48px;padding-bottom:24px}
.lm-footer__brand{display:flex;flex-direction:column;gap:12px;color:var(--lm-text)}
.lm-footer nav,.lm-footer__contact{display:flex;flex-direction:column;gap:6px}
.lm-footer strong{margin-bottom:4px}
.lm-footer nav a,.lm-footer__contact a{color:var(--lm-text);text-decoration:none}
.lm-footer__contact .lm-strong{color:var(--lm-ink);font-weight:700}
.lm-footer__bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;padding-top:16px;padding-bottom:28px;color:var(--lm-text);font-size:12px;border-top:1px solid #E0E3EA}
.lm-footer__legal{display:flex;gap:16px}
.lm-footer__legal a{color:var(--lm-text)}
@media (max-width:760px){
.lm-util__inner>span{display:none}
.lm-logo-svg{width:150px;height:auto}
.lm-header .lm-btn--sm{font-size:14px;padding:10px 16px}
.lm-nav{order:3;width:100%;gap:0 18px;font-size:14px}
.lm-hero{padding-top:28px}
.lm-hero__photo{height:340px;border-radius:24px}
.lm-chip--rate{left:12px;bottom:16px}
.lm-chip--dark{right:12px;top:16px}
.lm-section{padding-top:56px;padding-bottom:56px}
.lm-calc__inputs,.lm-calc__result{padding:24px}
.lm-form{grid-template-columns:1fr}
.lm-advisor__photo{height:300px}
.lm-stats__grid strong{font-size:30px}
}

/* oprava úvodu: kartičky nepřekrývají obličej */
.lm-hero__photo{background-position:50% 25%}
.lm-chip--dark{top:auto;bottom:40px;right:-20px}
.lm-footer__legalnote{flex-basis:100%;margin:0;font-size:12px;color:var(--lm-text)}
@media (max-width:760px){
.lm-hero__media{display:flex;flex-wrap:wrap;gap:10px}
.lm-hero__photo{width:100%}
.lm-chip{position:static;box-shadow:0 6px 18px rgba(15,23,41,.1)}
.lm-chip--rate,.lm-chip--dark{flex:1 1 150px}
.lm-chip--dark{right:auto}
}

/* podstránky */
.lm-sub{max-width:860px;padding-top:56px;padding-bottom:88px}
.lm-sub__title{font-size:clamp(30px,4vw,46px);line-height:1.12;font-weight:800;letter-spacing:-.02em;margin-bottom:28px!important}
.lm-prose{color:#2B3346;font-size:16px;line-height:1.75}
.lm-prose p{margin:0 0 16px!important}
.lm-prose h2{font-size:24px;font-weight:800;margin:36px 0 12px!important}
.lm-prose h3{font-size:19px;font-weight:800;margin:28px 0 10px!important}
.lm-prose ol,.lm-prose ul{list-style:decimal;padding-left:22px!important;margin:0 0 16px!important}
.lm-prose ul{list-style:disc}
.lm-prose li{margin-bottom:6px}