/* =====================================================================
   A FINANCE — stilovi
   Raspored: svaka stranica počinje navy zaglavljem (masthead), zatim
   svetle sekcije koje se smenjuju sa belim i navy pojasevima.
   Boje: navy (osnova, poverenje) · slate (tekst, linije) · korporativna plava (akcija)
   ===================================================================== */
:root{
  --navy-950:#081629;
  --navy:#0E2545;
  --navy-800:#132E55;
  --navy-700:#1A3A68;
  --blue:#2457C5;
  --blue-600:#1C47A8;
  --blue-300:#93B2EC;
  --blue-100:#DCE7FA;
  --blue-50:#EEF3FC;
  --ink:#13213A;
  --slate:#55657D;
  --slate-400:#8494AA;
  --line:#DCE3EC;
  --line-strong:#C7D2E0;
  --paper:#F4F6FA;
  --white:#FFFFFF;
  --on-navy:#EAF0F8;
  --on-navy-2:#A9B8CE;
  --line-navy:rgba(234,240,248,.13);
  --red:#C2503A;
  --red-50:#FBEFEC;
  --green:#1F7A5C;

  --f-serif:"Newsreader","Iowan Old Style","Palatino Linotype",Georgia,serif;
  --f-sans:"Public Sans","Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;

  --wrap:1200px;
  --header-h:76px;
  --gx:max(24px, env(safe-area-inset-left, 0px));
  --gx-r:max(24px, env(safe-area-inset-right, 0px));
  --ease:cubic-bezier(.22,.7,.2,1);
  color-scheme:light;
}

/* ---------- Osnova ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--f-sans);font-size:1.0625rem;line-height:1.65;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  overflow-x:clip;
}
img,svg{max-width:100%}
a{color:inherit}
[hidden]{display:none!important}
[id]{scroll-margin-top:calc(var(--header-h) + 16px)}
:focus-visible{outline:2px solid var(--blue);outline-offset:3px;border-radius:4px}
.masthead :focus-visible,.navy :focus-visible,.cta :focus-visible,.footer :focus-visible,.menu :focus-visible{outline-color:var(--blue-300)}
::selection{background:var(--blue);color:#fff}

h1,h2,h3,h4{font-family:var(--f-serif);font-weight:500;line-height:1.1;letter-spacing:-.015em;margin:0;text-wrap:balance;font-optical-sizing:auto}
h1{font-size:clamp(2.5rem,1.55rem + 3.6vw,4.4rem);letter-spacing:-.024em;line-height:1.04}
h2{font-size:clamp(2rem,1.45rem + 2vw,3.05rem);letter-spacing:-.02em}
h3{font-size:1.5rem;line-height:1.2}
p{margin:0;text-wrap:pretty}

.wrap{max-width:calc(var(--wrap) + 48px);margin-inline:auto;padding-left:var(--gx);padding-right:var(--gx-r)}
@media (max-width:600px){:root{--gx:max(20px, env(safe-area-inset-left, 0px));--gx-r:max(20px, env(safe-area-inset-right, 0px))}}

.skip{position:absolute;left:12px;top:-60px;z-index:100;background:#fff;color:var(--navy);padding:10px 16px;border-radius:8px;font-weight:600;text-decoration:none;transition:top .2s}
.skip:focus{top:12px}

/* ---------- Sekcije ---------- */
.section{padding-block:clamp(76px,9vw,128px)}
.section-white{background:var(--white);border-block:1px solid var(--line)}
.navy{background:var(--navy);color:var(--on-navy);position:relative;isolation:isolate;overflow:hidden}
.navy::before{
  content:"";position:absolute;inset:0;z-index:-1;
  background:radial-gradient(ellipse 60% 70% at 100% 0%,rgba(36,87,197,.32),transparent 60%);
}
.lead{font-size:clamp(1.07rem,1rem + .32vw,1.22rem);line-height:1.6;color:var(--slate);max-width:58ch}
.navy .lead,.masthead .lead{color:var(--on-navy-2)}
.prose{display:grid;gap:16px;color:var(--slate);max-width:62ch}
.head{display:grid;gap:18px;max-width:760px;margin-bottom:clamp(40px,5vw,64px)}
.head-split{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:20px 72px;align-items:end;margin-bottom:clamp(40px,5vw,64px)}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(40px,6vw,96px);align-items:start}
.stack{display:grid;gap:22px;align-content:start}
.stack > .btn,.stack > .tlink{justify-self:start;margin-top:8px}

/* ---------- Dugmad i linkovi ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font:600 1rem/1 var(--f-sans);padding:16px 24px;border-radius:10px;border:1px solid transparent;
  text-decoration:none;cursor:pointer;white-space:nowrap;
  transition:background-color .3s var(--ease),color .3s var(--ease),border-color .3s var(--ease),box-shadow .3s var(--ease),transform .3s var(--ease);
}
.btn svg{width:18px;height:18px;flex:none}
.btn:active{transform:translateY(1px)}
.btn-blue{background:var(--blue);color:#fff;box-shadow:0 10px 24px -14px rgba(36,87,197,.9)}
.btn-blue:hover{background:var(--blue-600);box-shadow:0 14px 28px -14px rgba(36,87,197,.95)}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{background:var(--blue-50);box-shadow:0 14px 30px -16px rgba(0,0,0,.6)}
.btn-line{background:transparent;border-color:var(--line-strong);color:var(--ink)}
.btn-line:hover{border-color:var(--blue);color:var(--blue)}
.masthead .btn-line,.navy .btn-line,.cta .btn-line,.menu .btn-line{border-color:rgba(234,240,248,.32);color:var(--on-navy)}
.masthead .btn-line:hover,.navy .btn-line:hover,.cta .btn-line:hover,.menu .btn-line:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.06)}

.tlink{
  font-weight:600;color:var(--blue);text-decoration:none;
  background:linear-gradient(currentColor,currentColor) 0 100%/100% 1px no-repeat;
  padding-bottom:3px;transition:background-size .45s var(--ease),color .3s;
}
.tlink:hover{background-size:40% 1px;color:var(--blue-600)}

/* ---------- Header ---------- */
.site-header{
  position:fixed;top:0;left:0;right:0;z-index:50;
  padding-top:env(safe-area-inset-top,0px);
  color:var(--on-navy);
  transition:background-color .45s var(--ease),color .45s var(--ease),box-shadow .45s var(--ease);
  view-transition-name:site-header;
}
.site-header.solid{
  background:rgba(255,255,255,.94);color:var(--ink);
  -webkit-backdrop-filter:blur(16px) saturate(1.5);backdrop-filter:blur(16px) saturate(1.5);
  box-shadow:0 1px 0 var(--line),0 12px 32px -24px rgba(14,37,69,.45);
}
.bar{height:var(--header-h);display:flex;align-items:center;gap:28px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;margin-right:auto;color:inherit}
.mark{width:40px;height:40px;flex:none}
.mark rect{fill:var(--blue);transition:fill .45s var(--ease)}
.site-header.solid .mark rect{fill:var(--navy)}
.mark .a{fill:none;stroke:#fff;stroke-width:2.6;stroke-linecap:round;stroke-linejoin:round}
.mark .cb{stroke:var(--blue-300);stroke-width:2.6;stroke-linecap:round}
.mark .base{stroke:rgba(255,255,255,.5);stroke-width:1.6;stroke-linecap:round}
.brand-name{font-family:var(--f-serif);font-weight:600;font-size:1.22rem;letter-spacing:.07em;line-height:1}

.nav{display:flex;align-items:center;gap:2px}
.nav a{
  position:relative;padding:10px 13px;text-decoration:none;font-size:.95rem;font-weight:500;
  opacity:.82;transition:opacity .25s;
}
.nav a::after{
  content:"";position:absolute;left:13px;right:13px;bottom:3px;height:1.5px;background:currentColor;
  transform:scaleX(0);transform-origin:left;transition:transform .45s var(--ease);
}
.nav a:hover{opacity:1}
.nav a:hover::after{transform:scaleX(1)}
.nav a[aria-current="page"]{opacity:1}
.nav a[aria-current="page"]::after{transform:scaleX(1);background:var(--blue-300)}
.site-header.solid .nav a[aria-current="page"]::after{background:var(--blue)}
.header-cta{padding:12px 18px;font-size:.92rem;background:#fff;color:var(--navy)}
.header-cta:hover{background:var(--blue-50)}
.site-header.solid .header-cta{background:var(--blue);color:#fff}
.site-header.solid .header-cta:hover{background:var(--blue-600)}
.menu-btn{
  display:none;align-items:center;justify-content:center;gap:10px;height:44px;padding:0 14px;border-radius:10px;
  background:transparent;border:1px solid rgba(132,148,170,.45);color:inherit;cursor:pointer;font:600 .92rem/1 var(--f-sans);
}
.menu-btn svg{width:20px;height:20px}
@media (max-width:1080px){
  .nav,.header-cta{display:none}
  .menu-btn{display:inline-flex}
}

/* ---------- Mobilni meni (panel koji klizi sa desne strane) ---------- */
.menu{position:fixed;inset:0;z-index:70;visibility:hidden;transition:visibility 0s linear .55s}
.menu.open{visibility:visible;transition-delay:0s}
.menu-scrim{position:absolute;inset:0;background:rgba(8,22,41,.55);opacity:0;transition:opacity .5s var(--ease)}
.menu-panel{
  position:absolute;top:0;right:0;bottom:0;width:min(440px,90vw);
  background:var(--navy);color:var(--on-navy);
  display:flex;flex-direction:column;overflow-y:auto;
  padding:calc(env(safe-area-inset-top,0px) + 14px) max(24px,env(safe-area-inset-right,0px)) calc(env(safe-area-inset-bottom,0px) + 28px) 28px;
  transform:translateX(100%);transition:transform .55s var(--ease);
  box-shadow:-30px 0 60px -30px rgba(0,0,0,.6);
}
.menu.open .menu-scrim{opacity:1}
.menu.open .menu-panel{transform:none}
.menu-top{display:flex;align-items:center;justify-content:space-between;height:62px}
.menu-close{width:44px;height:44px;border-radius:10px;border:1px solid var(--line-navy);background:transparent;color:inherit;cursor:pointer;display:grid;place-items:center}
.menu-close svg{width:20px;height:20px}
.menu nav{display:flex;flex-direction:column;margin-top:24px}
.menu nav a{
  font-family:var(--f-serif);font-size:1.9rem;line-height:1.2;text-decoration:none;padding:14px 0;
  border-bottom:1px solid var(--line-navy);
  opacity:0;transform:translateX(18px);
  transition:opacity .45s var(--ease),transform .55s var(--ease),color .2s;
  transition-delay:calc(var(--i,0) * 55ms + 120ms);
}
.menu.open nav a{opacity:1;transform:none}
.menu nav a[aria-current="page"]{color:var(--blue-300)}
.menu-foot{margin-top:auto;padding-top:32px;display:grid;gap:12px}
.menu-foot .btn{width:100%}
.menu-foot p{font-size:.92rem;color:var(--on-navy-2);margin-top:6px}

/* ---------- Masthead (navy zaglavlje svake stranice) ---------- */
.masthead{position:relative;background:var(--navy);color:var(--on-navy);overflow:hidden;isolation:isolate}
.masthead::before{
  content:"";position:absolute;inset:0;z-index:-2;
  background-image:linear-gradient(var(--line-navy) 1px,transparent 1px),linear-gradient(90deg,var(--line-navy) 1px,transparent 1px);
  background-size:80px 80px;background-position:-1px -1px;
  -webkit-mask-image:radial-gradient(ellipse 60% 75% at 82% 40%,#000,transparent 72%);
  mask-image:radial-gradient(ellipse 60% 75% at 82% 40%,#000,transparent 72%);
  opacity:.7;
}
.masthead::after{
  content:"";position:absolute;inset:0;z-index:-1;
  background:radial-gradient(circle at 85% 20%,rgba(36,87,197,.42),transparent 46%),
             linear-gradient(180deg,transparent 60%,rgba(8,22,41,.35));
}
.masthead-inner{
  padding-top:calc(var(--header-h) + env(safe-area-inset-top,0px) + clamp(52px,7.5vw,104px));
  padding-bottom:clamp(60px,7vw,100px);
}
.mast-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:clamp(36px,6vw,96px);align-items:end}
.crumbs{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-size:.9rem;color:var(--on-navy-2);margin-bottom:24px}
.crumbs a{text-decoration:none;transition:color .2s}
.crumbs a:hover{color:#fff}
.crumbs span[aria-hidden]{opacity:.5}
.masthead h1{max-width:16ch}
.masthead .lead{margin-top:24px}
.mast-aside{border-left:1px solid rgba(147,178,236,.45);padding:4px 0 4px 28px;display:grid;gap:10px}
.mast-aside q,.mast-aside .q{font-family:var(--f-serif);font-style:italic;font-size:clamp(1.25rem,1.1rem + .6vw,1.6rem);line-height:1.35;quotes:"„" "“";color:var(--on-navy)}
.mast-aside .src{font-size:.9rem;color:var(--on-navy-2)}
.mast-aside .big{font-family:var(--f-serif);font-size:clamp(3.2rem,2.4rem + 3vw,5rem);line-height:1;color:#fff;font-variant-numeric:lining-nums}
.mast-aside .big-t{color:var(--on-navy-2);max-width:26ch}
.mast-aside a.phone{font-family:var(--f-serif);font-size:clamp(1.8rem,1.4rem + 1.4vw,2.4rem);text-decoration:none;color:#fff;font-variant-numeric:lining-nums tabular-nums}

/* ---------- Animacija dolaska na stranicu ---------- */
.t-line{display:block}
.js .anim .t-line{animation:lineIn 1.05s var(--ease) both;animation-delay:calc(var(--i,0) * 95ms + 60ms)}
.js .anim .fade-up{animation:fadeUp 1s var(--ease) both;animation-delay:calc(var(--i,0) * 95ms + 120ms)}
@keyframes lineIn{from{opacity:0;transform:translateY(.42em)}to{opacity:1;transform:none}}
@keyframes fadeUp{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}

/* Pojavljivanje pri skrolu (samo sadržaj ispod prvog ekrana) */
.pre{opacity:0;transform:translateY(18px);transition:opacity 1s var(--ease),transform 1s var(--ease);transition-delay:calc(var(--d,0) * 90ms)}
.pre.in{opacity:1;transform:none}

/* Prelaz između stranica (Chrome, Edge, Safari 18+) */
@view-transition{navigation:auto}
::view-transition-old(root){animation:vtOut .26s var(--ease) both}
::view-transition-new(root){animation:vtIn .5s var(--ease) both}
::view-transition-group(site-header){animation-duration:.45s}
@keyframes vtOut{to{opacity:0}}
@keyframes vtIn{from{opacity:0}}

/* ---------- Početna: hero ---------- */
.hero-grid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:clamp(40px,5vw,80px);align-items:center}
.hero h1{max-width:none;font-size:clamp(2.6rem,1.3rem + 3.3vw,4.6rem);letter-spacing:-.028em}
.hero-wrap{min-height:100vh;min-height:100svh;display:flex;flex-direction:column;padding-top:calc(var(--header-h) + env(safe-area-inset-top,0px))}
.hero .hero-grid{flex:1;align-content:center;padding-block:clamp(40px,6vh,80px) clamp(56px,8vh,96px)}
.hero-glow{position:absolute;z-index:-1;width:900px;height:900px;right:-200px;top:-260px;border-radius:50%;background:radial-gradient(circle,rgba(56,110,230,.35),transparent 62%);filter:blur(10px);animation:drift 18s ease-in-out infinite alternate;pointer-events:none}
@keyframes drift{to{transform:translate(-140px,120px) scale(1.12)}}
.hero-badge{display:inline-flex;align-items:center;gap:10px;padding:7px 15px 7px 12px;margin-bottom:30px;border:1px solid rgba(147,178,236,.28);border-radius:99px;background:rgba(255,255,255,.05);font-size:.9rem;color:var(--on-navy);-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}
.hero-badge .dot{position:relative;width:8px;height:8px;border-radius:50%;background:#5FD3A4}
.hero-badge .dot::after{content:"";position:absolute;inset:-4px;border-radius:50%;border:1px solid #5FD3A4;animation:ring 2.4s ease-out infinite}
@keyframes ring{from{transform:scale(.5);opacity:1}to{transform:scale(1.8);opacity:0}}
.hero-visual{position:relative}
.hero .report{transform:perspective(1600px) rotateY(-5deg) rotateX(2deg);transition:transform .8s var(--ease)}
.hero-visual:hover .report{transform:none}
.float-card{position:absolute;left:-44px;bottom:-58px;display:flex;align-items:center;gap:12px;padding:13px 18px 13px 13px;background:#fff;color:var(--ink);border-radius:14px;box-shadow:0 24px 50px -20px rgba(2,9,22,.7);animation:float 7s ease-in-out infinite}
.float-card b{display:block;font-size:.92rem}
.float-card small{display:block;font-size:.8rem;color:var(--slate)}
.fc-ico{width:36px;height:36px;border-radius:10px;display:grid;place-items:center;background:#E3F5EC;color:var(--green)}
.fc-ico svg{width:20px;height:20px}
.float-chip{position:absolute;right:-22px;top:-20px;display:flex;align-items:center;gap:8px;padding:9px 14px;border-radius:99px;background:var(--blue);color:#fff;font-size:.84rem;font-weight:600;box-shadow:0 18px 36px -16px rgba(36,87,197,.9);animation:float 7s ease-in-out -3.5s infinite}
.float-chip svg{width:16px;height:16px}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
.hero-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:1px solid var(--line-navy)}
.hero-strip a{display:flex;align-items:center;gap:14px;padding:26px 22px;text-decoration:none;color:var(--on-navy-2);border-left:1px solid var(--line-navy);transition:background-color .4s var(--ease),color .3s}
.hero-strip a:first-child{border-left:0;padding-left:0}
.hero-strip a:hover{color:#fff;background:linear-gradient(180deg,rgba(255,255,255,.05),transparent)}
.hero-strip b{display:block;color:#fff;font-weight:600;font-size:.98rem}
.hero-strip small{display:block;font-size:.84rem}
.hs-ico{flex:none;width:40px;height:40px;border-radius:11px;display:grid;place-items:center;background:rgba(147,178,236,.12);color:var(--blue-300);transition:background-color .4s,color .4s}
.hs-ico svg{width:20px;height:20px}
.hero-strip a:hover .hs-ico{background:var(--blue);color:#fff}
@media (max-width:980px){
  .hero .report{transform:none}
  .float-card{position:relative;left:auto;bottom:auto;width:max-content;max-width:calc(100% - 32px);margin:-20px 16px 0 auto}
  .hero-visual{margin-bottom:8px}
  .float-chip{right:10px}
  .hero-strip{grid-template-columns:repeat(2,minmax(0,1fr));margin-top:24px}
  .hero-strip a{padding:18px 14px;border-top:1px solid var(--line-navy)}
  .hero-strip a:nth-child(odd){border-left:0;padding-left:0}
}
@media (max-width:420px){.hero-strip small{display:none}.float-chip{display:none}}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:36px}
.hero-phone{margin-top:22px;font-size:.98rem;color:var(--on-navy-2)}
.hero-phone a{color:#fff;font-weight:600;text-decoration:none;border-bottom:1px solid rgba(147,178,236,.7);font-variant-numeric:tabular-nums}

/* Kartica sa grafikonom (izgleda kao list izveštaja) */
.report{
  margin:0;background:#fff;color:var(--ink);border-radius:18px;padding:clamp(18px,2.4vw,28px);
  box-shadow:0 0 0 1px rgba(255,255,255,.08),0 50px 90px -46px rgba(2,9,22,.95),0 18px 40px -30px rgba(2,9,22,.6);
}
.report-head{display:flex;justify-content:space-between;align-items:flex-start;gap:14px}
.report-kicker{font-size:.86rem;color:var(--slate)}
.report-title{font-family:var(--f-serif);font-size:1.45rem;line-height:1.2;margin-top:2px}
.pill{flex:none;font-size:.78rem;font-weight:600;padding:5px 11px;border-radius:99px;background:var(--blue-50);color:var(--blue)}
.legend{display:flex;flex-wrap:wrap;gap:6px 20px;font-size:.84rem;color:var(--slate);margin:14px 0 2px}
.legend span{display:inline-flex;align-items:center;gap:8px}
.legend i{width:20px;height:0;border-top:2.5px solid var(--blue)}
.legend i.dash{border-top:2px dashed var(--red)}
.plot{position:relative;min-height:220px}
.plot svg{display:block;width:100%;height:auto;overflow:visible}
.plot .grid{stroke:#E8EDF4;stroke-width:1}
.plot .zero{stroke:#97A6BA;stroke-width:1;stroke-dasharray:3 4}
.plot .ylab,.plot .xlab{fill:#6E7E94;font-family:var(--f-sans);font-size:11px;font-variant-numeric:tabular-nums}
.plot .xlab{text-anchor:middle}
.plot .ylab{text-anchor:end}
.plot .l-bez{fill:none;stroke:var(--red);stroke-width:2;stroke-dasharray:6 5;stroke-linecap:round}
.plot .l-sa{fill:none;stroke:var(--blue);stroke-width:2.75;stroke-linecap:round;stroke-linejoin:round}
.plot .a-def{fill:rgba(194,80,58,.16)}
.plot .today{stroke:#8494AA;stroke-width:1;stroke-dasharray:2 3}
.plot .ann{font-family:var(--f-sans);font-size:11px;fill:var(--ink);font-weight:500}
.plot .ann-red{fill:var(--red);font-weight:600}
.plot .ann-blue{fill:var(--blue);font-weight:600}
.plot .ann-mute{fill:#6E7E94;font-weight:500}
.plot .pulse{fill:none;stroke:var(--red);stroke-width:1.5;transform-box:fill-box;transform-origin:center;animation:pulse 2.6s ease-out infinite}
@keyframes pulse{0%{transform:scale(.6);opacity:.9}100%{transform:scale(2.3);opacity:0}}
.report-note{
  display:grid;grid-template-columns:auto minmax(0,1fr);gap:12px;align-items:start;margin-top:12px;
  padding:13px 15px;border-radius:12px;background:var(--red-50);border:1px solid #F0D3CB;
  font-size:.9rem;line-height:1.5;color:var(--ink);
}
.report-note svg{width:18px;height:18px;color:var(--red);margin-top:2px}

/* ---------- Brojke ---------- */
.facts{list-style:none;margin:0;padding:0;display:grid;border-top:1px solid var(--line-strong)}
.facts li{display:grid;grid-template-columns:14.5rem minmax(0,1fr);gap:28px;align-items:center;padding:28px 0;border-bottom:1px solid var(--line-strong)}
.facts .num{font-family:var(--f-serif);font-size:clamp(3rem,2.3rem + 2.4vw,4.4rem);line-height:1;color:var(--navy);font-variant-numeric:lining-nums tabular-nums;display:flex;align-items:baseline;gap:8px;letter-spacing:-.02em}
.facts .num small{font-family:var(--f-sans);font-size:.95rem;letter-spacing:0;color:var(--slate);font-weight:500}
.facts .fact-t{color:var(--slate);max-width:34ch}

/* ---------- Lista sa kvačicama ---------- */
.checklist{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px 32px}
.checklist li{display:grid;grid-template-columns:24px minmax(0,1fr);gap:12px;line-height:1.45;font-weight:500}
.checklist svg{width:22px;height:22px;color:var(--blue);margin-top:-1px}
.navy .checklist svg{color:var(--blue-300)}
.checklist.one{grid-template-columns:minmax(0,1fr);gap:14px}
.navy .checklist-box{border:1px solid var(--line-navy);background:rgba(255,255,255,.03);border-radius:18px;padding:clamp(24px,3vw,36px)}

/* ---------- Usluge (mreža kao tabela u knjizi) ---------- */
.ledger{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--line-strong);border:1px solid var(--line-strong);border-radius:18px;overflow:hidden}
.ledger a{
  display:flex;flex-direction:column;gap:14px;padding:32px 30px 30px;background:var(--white);
  text-decoration:none;min-height:262px;transition:background-color .45s var(--ease);
}
.ledger a:hover{background:var(--blue-50)}
.ico{width:46px;height:46px;border-radius:12px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;transition:background-color .45s var(--ease),color .45s var(--ease)}
.ico svg{width:23px;height:23px}
.ledger a:hover .ico{background:var(--blue);color:#fff}
.ledger h3{margin-top:6px}
.ledger p{color:var(--slate);font-size:.98rem}
.ledger .more{margin-top:auto;padding-top:8px;font-weight:600;font-size:.94rem;color:var(--blue)}
.ledger .more span{background:linear-gradient(currentColor,currentColor) 0 100%/0 1px no-repeat;padding-bottom:2px;transition:background-size .5s var(--ease)}
.ledger a:hover .more span{background-size:100% 1px}

/* ---------- CTA pojas ---------- */
.cta{background:var(--navy);color:#fff;border-top:1px solid var(--line-navy);position:relative;overflow:hidden;isolation:isolate}
.cta::before{
  content:"";position:absolute;inset:0;z-index:-1;
  background-image:linear-gradient(var(--line-navy) 1px,transparent 1px),linear-gradient(90deg,var(--line-navy) 1px,transparent 1px);
  background-size:80px 80px;
  -webkit-mask-image:linear-gradient(90deg,transparent 30%,#000);mask-image:linear-gradient(90deg,transparent 30%,#000);
}
.cta::after{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(circle at 90% 20%,rgba(36,87,197,.38),transparent 50%)}
.cta-inner{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:32px 72px;align-items:center;padding-block:clamp(64px,8vw,108px)}
.cta h2{max-width:18ch}
.cta p{color:var(--on-navy-2);margin-top:16px;max-width:52ch}
.cta-actions{display:flex;flex-wrap:wrap;gap:12px}
.cta .btn-white{color:var(--navy)}

/* ---------- Footer (kompaktan: jedan red + tanka donja traka) ---------- */
.footer{background:var(--navy-950);color:var(--on-navy-2);font-size:.92rem}
.ft{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:20px 48px;align-items:center;padding-block:30px 24px}
.ft-brand{display:flex;align-items:center;min-width:0}
.ft .brand{color:var(--on-navy);margin-right:0;flex:none}
.ft .mark{width:34px;height:34px}
.ft .mark rect{fill:var(--blue)}
.ft .brand-name{font-size:1.08rem}
.ft-nav{display:flex;flex-wrap:wrap;justify-content:center;gap:6px 26px}
.ft-contact{display:grid;gap:2px;text-align:right;line-height:1.45}
.ft-contact a{color:#fff;font-weight:600;font-variant-numeric:tabular-nums}
.ft a{text-decoration:none;transition:color .2s}
.ft a:hover{color:#fff}
.ft-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:6px 24px;padding-block:22px calc(22px + env(safe-area-inset-bottom,0px));font-size:.86rem}
.ft-legal a{text-decoration:none;color:#fff;font-weight:600}
.ft-legal a:hover{color:var(--blue-300)}
.ft-legal{display:flex;flex-wrap:wrap;gap:4px 20px}

/* Plutajuće dugme za poziv (telefon) */
.call-fab{
  position:fixed;z-index:40;right:calc(16px + env(safe-area-inset-right,0px));bottom:calc(16px + env(safe-area-inset-bottom,0px));
  display:none;align-items:center;gap:10px;padding:14px 20px;border-radius:99px;
  background:var(--blue);color:#fff;font-weight:600;text-decoration:none;
  box-shadow:0 18px 36px -14px rgba(14,37,69,.75);
  transform:translateY(140%);opacity:0;transition:transform .55s var(--ease),opacity .45s var(--ease);
}
.call-fab svg{width:20px;height:20px}
.call-fab.show{transform:none;opacity:1}

/* ---------- O nama ---------- */
.vision{margin:0}
.vision p{font-family:var(--f-serif);font-size:clamp(1.9rem,1.2rem + 2.7vw,3.5rem);line-height:1.15;letter-spacing:-.02em;max-width:26ch;text-wrap:balance}
.vision footer{margin-top:22px;color:var(--slate);font-size:.95rem}
.mg{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(28px,5vw,80px);margin-top:clamp(52px,6vw,84px);padding-top:clamp(36px,4vw,52px);border-top:1px solid var(--line)}
.mg h3{font-size:1.75rem}
.mg p{margin-top:14px;font-size:1.1rem;line-height:1.6;max-width:52ch}
.mg p + p{color:var(--slate);font-size:1rem}

.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr))}
.step{position:relative;padding:36px 28px 0 0;border-top:1px solid rgba(234,240,248,.22)}
.step::before{content:"";position:absolute;top:-7px;left:0;width:13px;height:13px;border-radius:50%;background:var(--navy);border:2px solid var(--blue-300)}
.step:first-child::before{background:var(--blue-300)}
.step .num{font-size:.92rem;font-weight:600;color:var(--blue-300);font-variant-numeric:tabular-nums}
.step h3{font-size:1.7rem;margin:10px 0 10px}
.step p{color:var(--on-navy-2);font-size:.98rem;max-width:30ch}
.loop{position:relative;margin:46px 0 0 25%;width:50%;height:40px;border:1.5px dashed rgba(147,178,236,.6);border-top:0;border-radius:0 0 22px 22px}
.loop::before{content:"";position:absolute;left:-7px;top:-10px;border:6px solid transparent;border-bottom:9px solid var(--blue-300);border-top:0}
.loop span{position:absolute;left:50%;bottom:-12px;transform:translateX(-50%);background:var(--navy);padding:0 14px;white-space:nowrap;font-size:.88rem;color:var(--blue-300)}
.loop-note{display:none}

.who-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.who{display:flex;flex-direction:column;gap:14px;background:var(--white);border:1px solid var(--line);border-radius:18px;padding:28px}
.spark{width:100%;height:auto;display:block;margin-bottom:4px}
.spark .base{stroke:var(--line-strong);stroke-width:1;stroke-dasharray:3 4}
.spark .ln{fill:none;stroke:var(--navy);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.spark .dot{fill:var(--blue)}
.who h3{font-size:1.6rem}
.who p{color:var(--slate);font-size:.98rem}
.tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:auto;padding-top:10px}
.tags span{font-size:.82rem;font-weight:500;padding:6px 12px;border-radius:99px;background:var(--paper);border:1px solid var(--line)}
.segment{
  margin-top:16px;display:grid;grid-template-columns:auto minmax(0,1fr);gap:clamp(20px,4vw,48px);align-items:center;
  padding:clamp(24px,3vw,36px) clamp(24px,3vw,40px);border-radius:18px;background:var(--navy);color:var(--on-navy);
}
.segment b{font-family:var(--f-serif);font-weight:500;font-size:clamp(2.6rem,2rem + 2vw,3.8rem);line-height:1;color:#fff;letter-spacing:.02em}
.segment p{color:var(--on-navy-2);max-width:64ch}
.segment strong{color:#fff;font-weight:600}

/* ---------- Finansijski konsalting: tabovi ---------- */
.tabs{
  position:relative;display:flex;gap:4px;padding:6px;background:var(--white);border:1px solid var(--line);border-radius:16px;
  overflow-x:auto;scrollbar-width:none;margin-bottom:24px;-webkit-overflow-scrolling:touch;
}
.tabs::-webkit-scrollbar{display:none}
.tab{
  position:relative;z-index:1;flex:1 0 auto;display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:13px 18px;border-radius:11px;border:0;background:transparent;cursor:pointer;white-space:nowrap;
  font:500 .96rem/1.2 var(--f-sans);color:var(--slate);transition:color .4s var(--ease);
}
.tab svg{width:20px;height:20px;flex:none}
.tab:hover{color:var(--ink)}
.tab[aria-selected="true"]{color:#fff}
.tab-ink{position:absolute;z-index:0;top:0;left:0;width:0;height:0;border-radius:11px;background:var(--navy);transition:transform .55s var(--ease),width .55s var(--ease),height .55s var(--ease);box-shadow:0 8px 20px -12px rgba(14,37,69,.8)}
.no-js .tab[aria-selected="true"]{background:var(--navy)}

.panel{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:clamp(28px,4vw,64px);background:var(--white);border:1px solid var(--line);border-radius:22px;padding:clamp(24px,4.5vw,60px)}
.panel:not([hidden]){animation:panelIn .6s var(--ease)}
@keyframes panelIn{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
.panel h2{font-size:clamp(1.9rem,1.4rem + 1.6vw,2.7rem)}
.panel .sub{font-family:var(--f-serif);font-style:italic;font-size:clamp(1.15rem,1.05rem + .4vw,1.38rem);line-height:1.4;color:var(--blue);margin-top:12px;max-width:42ch}
.panel .prose{margin-top:24px}
.questions{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:10px}
.questions li{display:grid;grid-template-columns:28px minmax(0,1fr);gap:8px;padding:15px 18px;border-radius:12px;background:var(--paper);border:1px solid var(--line);font-family:var(--f-serif);font-size:1.14rem;line-height:1.4}
.questions li::before{content:"?";font-style:italic;color:var(--blue);font-size:1.2rem;line-height:1.2}
.side{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:28px;align-self:start;display:grid;gap:20px}
.side h3{font-family:var(--f-sans);font-size:1rem;font-weight:600;letter-spacing:0}
.side .btn{width:100%}

/* ---------- Krediti ---------- */
.qgrid{list-style:none;margin:0;padding:0;display:grid;gap:0;border-top:1px solid var(--line-strong)}
.qgrid li{display:grid;grid-template-columns:34px minmax(0,1fr);gap:10px;padding:18px 0;border-bottom:1px solid var(--line-strong);font-size:1.06rem;line-height:1.5}
.qgrid li::before{content:"?";font-family:var(--f-serif);font-style:italic;font-size:1.4rem;line-height:1.1;color:var(--blue)}
.answer{background:var(--white);border:1px solid var(--line);border-radius:22px;padding:clamp(26px,3.6vw,48px);display:grid;gap:20px;position:sticky;top:calc(var(--header-h) + 24px)}
.answer h3{font-size:clamp(1.6rem,1.3rem + 1vw,2.1rem)}
.answer p{color:var(--slate)}
.quote{margin:6px 0 0;padding:20px 0 0;border-top:1px solid var(--line)}
.quote p{font-family:var(--f-serif);font-style:italic;font-size:clamp(1.25rem,1.1rem + .6vw,1.55rem);line-height:1.4;color:var(--navy)}

.params{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.param{display:flex;flex-direction:column;gap:10px;background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:26px 24px 24px;min-height:230px}
.param .k{font-size:.9rem;font-weight:600;color:var(--blue)}
.param h3{font-size:1.55rem}
.param p{color:var(--slate);font-size:.96rem;line-height:1.5}
.scale{position:relative;height:16px;margin-top:auto;border-bottom:1px solid #B4C1D2;background:repeating-linear-gradient(90deg,#B4C1D2 0 1px,transparent 1px 10%) left bottom/100% 7px no-repeat}
.scale span{position:absolute;bottom:-5px;left:var(--p);width:10px;height:10px;background:var(--blue);transform:translateX(-50%) rotate(45deg);box-shadow:0 0 0 3px var(--paper);transition:left 1.2s var(--ease)}
.js .param.pre:not(.in) .scale span{left:6%}
.param.pre.in .scale span{transition-delay:calc(var(--d,0) * 90ms + 250ms)}
.products{display:flex;flex-wrap:wrap;gap:8px;margin-top:28px}
.chip{font-size:.92rem;font-weight:500;padding:9px 15px;border-radius:99px;border:1px solid var(--line-strong);background:var(--white)}

/* ---------- FAQ ---------- */
.faq{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(36px,6vw,96px);align-items:start}
.faq-side{position:sticky;top:calc(var(--header-h) + 32px);display:grid;gap:20px}
.faq-side p{color:var(--slate);max-width:40ch}
.faq-side .btn{justify-self:start;margin-top:6px}
.faq-list{border-top:1px solid var(--line-strong)}
.faq-list details{border-bottom:1px solid var(--line-strong)}
.faq-list summary{
  list-style:none;cursor:pointer;display:grid;grid-template-columns:minmax(0,1fr) 36px;gap:20px;align-items:center;
  padding:24px 0;font-family:var(--f-serif);font-size:clamp(1.15rem,1.05rem + .4vw,1.38rem);line-height:1.35;transition:color .25s;
}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary:hover{color:var(--blue)}
.pm{width:36px;height:36px;border-radius:50%;border:1px solid var(--line-strong);display:grid;place-items:center;transition:transform .45s var(--ease),background-color .35s,border-color .35s,color .35s}
.pm svg{width:16px;height:16px}
.faq-list details[open] .pm{transform:rotate(45deg);background:var(--navy);border-color:var(--navy);color:#fff}
.faq-list .ans{padding:0 56px 26px 0;color:var(--slate);max-width:64ch}
.faq-list details[open] .ans{animation:panelIn .45s var(--ease)}

/* ---------- Kontakt ---------- */
.contact-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:20px;align-items:start}
.info{background:var(--navy);color:var(--on-navy);border-radius:22px;padding:clamp(26px,3.5vw,44px);position:relative;overflow:hidden;isolation:isolate}
.info::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(circle at 100% 0%,rgba(36,87,197,.4),transparent 55%)}
.info h2{font-size:clamp(1.7rem,1.4rem + 1vw,2.2rem)}
.info-list{list-style:none;margin:28px 0 0;padding:0;display:grid;border-top:1px solid var(--line-navy)}
.info-list li{display:grid;grid-template-columns:40px minmax(0,1fr);gap:16px;padding:20px 0;border-bottom:1px solid var(--line-navy);align-items:start}
.info-list .i{width:40px;height:40px;border-radius:10px;background:rgba(147,178,236,.14);color:var(--blue-300);display:grid;place-items:center}
.info-list .i svg{width:20px;height:20px}
.info-list .k{display:block;font-size:.86rem;color:var(--on-navy-2);margin-bottom:2px}
.info-list .v{font-size:1.06rem;min-width:0}
.info-list a{text-decoration:none;border-bottom:1px solid rgba(147,178,236,.5);transition:color .2s,border-color .2s}
.info-list a:hover{color:#fff;border-color:#fff}
.info-list .tel{font-family:var(--f-serif);font-size:1.7rem;border:0;font-variant-numeric:lining-nums tabular-nums}
.phone-row{display:flex;flex-wrap:wrap;align-items:center;gap:8px 14px}
.copy{font:600 .8rem/1 var(--f-sans);padding:8px 11px;border-radius:7px;border:1px solid var(--line-navy);background:transparent;color:var(--on-navy-2);cursor:pointer;transition:color .2s,border-color .2s}
.copy:hover{color:#fff;border-color:var(--blue-300)}
.info small{display:block;color:var(--on-navy-2);font-size:.9rem;margin-top:4px}

.form-card{background:var(--white);border:1px solid var(--line);border-radius:22px;padding:clamp(26px,3.5vw,44px)}
.form-card h2{font-size:clamp(1.7rem,1.4rem + 1vw,2.2rem)}
.form-card > p{color:var(--slate);margin-top:10px}
.form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:28px}
.field{display:grid;gap:7px;min-width:0}
.field.full{grid-column:1/-1}
.field label{font-size:.9rem;font-weight:600}
.field label span{color:var(--slate);font-weight:400}
.field input,.field select,.field textarea{
  width:100%;font:inherit;font-size:1rem;color:var(--ink);background:var(--paper);
  border:1px solid var(--line-strong);border-radius:11px;padding:14px 15px;
  transition:border-color .25s,box-shadow .25s,background-color .25s;
}
.field textarea{min-height:130px;resize:vertical}
.field select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2355657D' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:18px;padding-right:44px}
.field input:hover,.field select:hover,.field textarea:hover{border-color:var(--slate-400)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);background:#fff;box-shadow:0 0 0 4px rgba(36,87,197,.14)}
.field .err{display:none;font-size:.85rem;color:#A93A25}
.field.invalid input{border-color:#C2503A}
.field.invalid .err{display:block}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.form-foot{grid-column:1/-1;display:grid;gap:14px}
.form-foot .btn{width:100%}
.form-status{font-size:.95rem;border-radius:11px;padding:13px 15px}
.form-status.ok{background:#E8F4EF;color:var(--green);border:1px solid #BFDFD1}
.form-status.bad{background:var(--red-50);color:#93361F;border:1px solid #F0D3CB}
.form-small{font-size:.86rem;color:var(--slate)}

/* ---------- Responzivnost ---------- */
@media (max-width:1080px){
  .ledger{grid-template-columns:repeat(2,minmax(0,1fr))}
  .who-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .who-grid .who:last-child{grid-column:1/-1}
  .params{grid-template-columns:repeat(2,minmax(0,1fr))}
  .ft{grid-template-columns:minmax(0,1fr) auto}
  .ft-nav{grid-column:1/-1;order:3;justify-content:flex-start;padding-top:16px;border-top:1px solid var(--line-navy)}
}
@media (max-width:980px){
  .hero-grid,.mast-grid,.split,.faq,.contact-grid,.panel{grid-template-columns:minmax(0,1fr)}
  .mast-aside{margin-top:8px}
  .faq-side,.answer{position:static}
  .head-split{grid-template-columns:minmax(0,1fr)}
  .steps{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:48px}
  .loop{display:none}
  .loop-note{display:flex;align-items:center;gap:12px;margin-top:40px;font-size:.95rem;color:var(--blue-300)}
  .loop-note svg{width:22px;height:22px;flex:none}
  .cta-inner{grid-template-columns:minmax(0,1fr)}
  .tab{flex:none}
}
@media (max-width:760px){
  .call-fab{display:inline-flex}
  .checklist{grid-template-columns:minmax(0,1fr)}
  .segment{grid-template-columns:minmax(0,1fr)}
  .facts li{grid-template-columns:minmax(0,1fr);gap:10px;padding:24px 0}
  .ft{grid-template-columns:minmax(0,1fr);gap:18px;padding-block:30px 22px}
  .ft-contact{text-align:left;order:2}
  .ft-nav{order:3}
  .ft-bottom{padding-bottom:calc(88px + env(safe-area-inset-bottom,0px))}
}
@media (max-width:620px){
  .ledger,.who-grid,.params{grid-template-columns:minmax(0,1fr)}
  .who-grid .who:last-child{grid-column:auto}
  .ledger a{min-height:0;padding:26px 24px}
  .param{min-height:0}
  .steps{grid-template-columns:minmax(0,1fr);row-gap:0}
  .step{border-top:0;border-left:1px solid rgba(234,240,248,.22);padding:0 0 36px 28px}
  .step::before{left:-7px;top:3px}
  .step:last-child{padding-bottom:0}
  .step p{max-width:none}
  .form{grid-template-columns:minmax(0,1fr)}
  .faq-list .ans{padding-right:0}
  .actions .btn,.cta-actions .btn{flex:1 1 100%}
  .tabs{flex-wrap:wrap;overflow:visible}
  .tab{flex:1 1 calc(50% - 4px);padding:12px 10px;font-size:.92rem;white-space:normal;text-align:left;justify-content:flex-start}
  .tab:last-of-type{flex-basis:100%}
  .menu-btn span{display:none}
  .menu-btn{width:44px;padding:0}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;animation-delay:0s!important;transition-duration:.01ms!important;transition-delay:0s!important}
  ::view-transition-group(*),::view-transition-old(*),::view-transition-new(*){animation:none!important}
}


/* =====================================================================
   Mekši prelazi: zaobljeno dno zaglavlja, kartice preko granice,
   tamni blokovi kao paneli unutar svetle stranice
   ===================================================================== */
:root{--r-band:clamp(28px,4vw,56px)}
.masthead{border-radius:0 0 var(--r-band) var(--r-band)}
.masthead::before,.masthead::after{border-radius:inherit}

/* Uvodni deo početne: kartice usluga prelaze preko donje ivice */
.hero{overflow:visible;z-index:2}
.hero-bg{position:absolute;inset:0;z-index:-1;overflow:hidden;border-radius:inherit;pointer-events:none}
.hero-strip{border-top:0;gap:16px;margin-bottom:-58px;position:relative;z-index:3}
.hero-strip a,.hero-strip a:first-child{
  padding:20px 22px;border:1px solid rgba(255,255,255,.7);border-radius:16px;background:#fff;color:var(--slate);
  box-shadow:0 30px 60px -30px rgba(8,22,41,.55),0 10px 24px -18px rgba(8,22,41,.4);
  transition:transform .45s var(--ease),box-shadow .45s var(--ease);
}
.hero-strip a:hover{background:#fff;color:var(--slate);transform:translateY(-4px);box-shadow:0 36px 64px -28px rgba(8,22,41,.6),0 12px 28px -18px rgba(8,22,41,.45)}
.hero-strip b{color:var(--ink)}
.hs-ico{background:var(--blue-50);color:var(--blue)}
.hero + .section{padding-top:calc(clamp(76px,9vw,128px) + 58px)}

/* Tamni pojasevi postaju zaobljeni paneli */
.section.navy{background:transparent;padding-block:clamp(16px,2.5vw,32px);overflow:visible}
.section.navy::before{content:none}
.section.navy > .wrap{
  position:relative;isolation:isolate;overflow:hidden;
  width:min(calc(100% - 2 * var(--gx)), 1340px);max-width:none;margin-inline:auto;
  background:var(--navy);border-radius:var(--r-band);
  padding-block:clamp(52px,7vw,104px);padding-inline:clamp(24px,5vw,80px);
}
.section.navy > .wrap::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(ellipse 60% 70% at 100% 0%,rgba(36,87,197,.35),transparent 60%)}

.cta{background:transparent;color:#fff;overflow:visible;padding-block:clamp(16px,2.5vw,32px) clamp(56px,7vw,96px)}
.section-white + .cta{background:var(--white)}
.cta::before,.cta::after{content:none}
.cta-inner{
  position:relative;isolation:isolate;overflow:hidden;
  width:min(calc(100% - 2 * var(--gx)), 1340px);max-width:none;margin-inline:auto;
  background:var(--navy);border-radius:var(--r-band);
  padding-inline:clamp(24px,5vw,80px);
}
.cta-inner::before{
  content:"";position:absolute;inset:0;z-index:-1;
  background-image:linear-gradient(var(--line-navy) 1px,transparent 1px),linear-gradient(90deg,var(--line-navy) 1px,transparent 1px);
  background-size:80px 80px;-webkit-mask-image:linear-gradient(90deg,transparent 35%,#000);mask-image:linear-gradient(90deg,transparent 35%,#000);
}
.cta-inner::after{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(circle at 92% 15%,rgba(36,87,197,.4),transparent 50%)}

@media (max-width:980px){
  .hero-strip{gap:12px;margin-top:8px;margin-bottom:-48px}
  .hero-strip a,.hero-strip a:first-child{padding:16px;border-top:1px solid rgba(255,255,255,.7)}
  .hero + .section{padding-top:calc(clamp(76px,9vw,128px) + 48px)}
}
@media (max-width:600px){
  .section.navy > .wrap,.cta-inner{width:calc(100% - 24px);padding-inline:22px}
}

/* Početna: ravno dno uvodnog dela, kartice sa plavim okvirom */
.masthead.hero{border-radius:0}
.hero-strip a,.hero-strip a:first-child{border:1.5px solid var(--blue)}
.hero-strip a:hover{border-color:var(--blue-600)}

/* Usluge na početnoj: plavi spoljašnji okvir */
.ledger{border:1.5px solid var(--blue)}

/* Ravno dno plavog zaglavlja na svim stranicama */
.masthead{border-radius:0}

/* Tabovi usluga: plavi spoljašnji okvir */
.tabs{border:1.5px solid var(--blue)}

/* =====================================================================
   OŽIVLJAVANJE — ilustracije, pozadine i animacije
   Motivi: tokovi novca (linije), kormilo, plan i realizacija, banka, mapa
   ===================================================================== */
@keyframes af-draw{from{stroke-dashoffset:1}to{stroke-dashoffset:0}}
@keyframes af-grow{from{transform:scaleY(0)}to{transform:scaleY(1)}}
@keyframes af-spin{to{transform:rotate(360deg)}}
@keyframes af-fade{from{opacity:0}to{opacity:1}}
@keyframes af-pulse{0%{transform:scale(1);opacity:.9}70%{transform:scale(2.6);opacity:0}100%{opacity:0}}
@keyframes af-ring{0%{transform:scale(.12);opacity:.75}100%{transform:scale(1);opacity:0}}
@keyframes af-march{to{stroke-dashoffset:-28}}
@keyframes af-run{from{stroke-dashoffset:2000}to{stroke-dashoffset:0}}
@keyframes af-drift{0%{transform:translate(0,0) scale(1)}100%{transform:translate(-80px,60px) scale(1.15)}}

.dr{stroke-dasharray:1}

/* Traka napretka čitanja */
.progress{position:fixed;top:0;left:0;right:0;height:3px;z-index:90;transform-origin:0 50%;transform:scaleX(0);
  background:linear-gradient(90deg,var(--blue),var(--blue-300));pointer-events:none}

/* ---------- Početna: tokovi novca u pozadini ---------- */
.hero-lines{position:absolute;inset:0;width:100%;height:100%}
.hero-lines .hl{fill:none;stroke:rgba(147,178,236,.13);stroke-width:1.2}
.hero-lines .hl-run{fill:none;stroke:rgba(170,198,247,.75);stroke-width:1.6;stroke-linecap:round;
  stroke-dasharray:90 1910;stroke-dashoffset:2000;animation:af-run 11s linear infinite;animation-delay:calc(var(--i) * -2.7s)}
.hero .report{transition:transform .9s var(--ease)}
.hero-visual:hover .report{transform:perspective(1600px) rotateY(-5deg) rotateX(2deg)}

/* ---------- Ilustracije u zaglavljima podstranica ---------- */
.mast-art{position:absolute;z-index:-1;pointer-events:none;
  -webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 38%);mask-image:linear-gradient(90deg,transparent 0%,#000 38%)}
.mast-art svg{display:block;width:100%;height:auto;overflow:visible}
.mast-art .s{fill:none;stroke:rgba(147,178,236,.34);stroke-width:1}
.mast-art .s2{fill:none;stroke:rgba(147,178,236,.6);stroke-width:1.5;stroke-linecap:round}
.mast-art .s3{fill:none;stroke:#9DBBF2;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}
.mast-art .thick{stroke-width:5}
.mast-art .faint{stroke:rgba(147,178,236,.16)}
.mast-art .dash{stroke-dasharray:4 4}
.mast-art .f{fill:rgba(147,178,236,.26)}
.mast-art .dot{fill:#93B2EC}
.mast-art .dr{stroke-dashoffset:1;animation:af-draw 2.4s var(--ease) .6s forwards}
.mast-art .grow{transform-box:fill-box;transform-origin:50% 100%;animation:af-grow 1.1s var(--ease) both;animation-delay:calc(var(--i) * 90ms + 250ms)}
.pulse-dot{transform-box:fill-box;transform-origin:center}
.mast-art .pulse-dot{animation:af-fade .6s 2.6s both}

.art-helm{opacity:.5;width:min(620px,52vw);right:-190px;top:50%;transform:translateY(-46%)}
.art-helm .spin{animation:af-spin 150s linear infinite}
.art-bars{opacity:.7;width:min(640px,50vw);right:-30px;bottom:-6px}
.art-bank{opacity:.7;width:min(620px,50vw);right:-90px;bottom:-12px}
.art-rings{width:min(760px,64vw);right:-220px;top:50%;transform:translateY(-50%)}
.art-rings .ring{fill:none;stroke:rgba(147,178,236,.55);stroke-width:1.4;transform-box:fill-box;transform-origin:center;
  animation:af-ring 6.4s cubic-bezier(.2,.6,.3,1) infinite;animation-delay:calc(var(--i) * 1.6s)}
.art-rings .pin{fill:rgba(36,87,197,.9);stroke:#93B2EC;stroke-width:1.5}
.art-rings .pin-c{fill:#EAF0F8}
/* tekst u zaglavlju ostaje iznad ilustracije */
.masthead-inner{position:relative;z-index:1}

/* ---------- Svetle sekcije: tekstura milimetarskog papira + blagi sjaj ---------- */
.tex{position:relative;isolation:isolate;overflow:clip}
.tex::before{content:"";position:absolute;inset:0;z-index:-2;pointer-events:none;
  background-image:radial-gradient(rgba(36,87,197,.16) 1px,transparent 1.3px);background-size:24px 24px;
  -webkit-mask-image:radial-gradient(ellipse 45% 60% at 92% 28%,#000,transparent 72%);mask-image:radial-gradient(ellipse 45% 60% at 92% 28%,#000,transparent 72%)}
.tex::after{content:"";position:absolute;z-index:-1;width:620px;height:620px;right:-180px;top:-120px;border-radius:50%;pointer-events:none;
  background:radial-gradient(circle,rgba(36,87,197,.09),transparent 64%);animation:af-drift 24s ease-in-out infinite alternate}

/* ---------- Kartice: svetlo koje prati kursor ---------- */
.ledger a,.who,.param,.hero-strip a{position:relative;isolation:isolate}
.ledger a::before,.who::before,.param::before,.hero-strip a::before{
  content:"";position:absolute;inset:0;z-index:-1;border-radius:inherit;pointer-events:none;opacity:0;transition:opacity .45s var(--ease);
  background:radial-gradient(340px circle at var(--mx,50%) var(--my,50%),rgba(36,87,197,.11),transparent 62%)}
.ledger a:hover::before,.who:hover::before,.param:hover::before,.hero-strip a:hover::before{opacity:1}
.ledger a:hover{background:var(--white)}
.who,.param{transition:opacity 1s var(--ease) calc(var(--d,0) * 90ms),transform 1s var(--ease) calc(var(--d,0) * 90ms),translate .5s var(--ease),border-color .4s var(--ease),box-shadow .5s var(--ease)}
.who:hover,.param:hover{border-color:var(--blue-300);translate:0 -4px;box-shadow:0 26px 50px -32px rgba(14,37,69,.45)}
.ledger .ico svg{transition:transform .5s var(--ease)}
.ledger a:hover .ico svg{transform:scale(1.12) rotate(-6deg)}

/* Sjaj koji prelazi preko glavnih dugmadi */
.btn-blue,.btn-white,.header-cta{position:relative;overflow:hidden;isolation:isolate}
.btn-blue::after,.btn-white::after,.header-cta::after{content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;
  background:linear-gradient(110deg,transparent 30%,rgba(255,255,255,.38) 50%,transparent 70%);transform:translateX(-130%);transition:transform .9s var(--ease)}
.btn-white::after,.header-cta::after{background:linear-gradient(110deg,transparent 30%,rgba(36,87,197,.14) 50%,transparent 70%)}
.btn-blue:hover::after,.btn-white:hover::after,.header-cta:hover::after{transform:translateX(130%)}

/* ---------- Crtanje kad element uđe u ekran ([data-draw] → .drawn) ---------- */
[data-draw] .dr{transition:stroke-dashoffset 2.2s var(--ease) var(--dl,0s)}
.js [data-draw]:not(.drawn) .dr{stroke-dashoffset:1}
[data-draw] .pop{transform-box:fill-box;transform-origin:center;transition:opacity .6s var(--ease) var(--dl,0s),transform .8s var(--ease) var(--dl,0s)}
.js [data-draw]:not(.drawn) .pop{opacity:0;transform:scale(.3)}

/* Za koga: krive se iscrtavaju */
.spark .ln.dr{stroke-dasharray:1}

/* Proces: linija napreduje kroz korake, tačke se pale redom */
.steps[data-draw]{position:relative}
.steps[data-draw]::after{content:"";position:absolute;left:0;right:0;top:-1px;height:2px;z-index:1;
  background:linear-gradient(90deg,var(--blue-300),#fff);transform:scaleX(0);transform-origin:0 50%;transition:transform 2.6s var(--ease) .2s}
.steps[data-draw].drawn::after{transform:scaleX(1)}
.steps[data-draw] .step::before{z-index:2;transition:background-color .5s,box-shadow .5s;transition-delay:calc(var(--d,0) * 620ms + 300ms)}
.steps[data-draw].drawn .step::before{background:var(--blue-300);box-shadow:0 0 0 6px rgba(147,178,236,.16)}
.steps[data-draw] .step:first-child::before{background:var(--blue-300)}

/* ---------- O nama: mreža preporuka pored vizije ---------- */
.vision-wrap{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,.65fr);gap:clamp(32px,5vw,80px);align-items:center}
.vision-net{margin:0;display:grid;gap:14px;justify-items:center}
.net{width:100%;max-width:400px;height:auto;overflow:visible}
.net .guide{fill:none;stroke:var(--line-strong);stroke-dasharray:3 5}
.net .edge{fill:none;stroke:#9FB4D3;stroke-width:1.4}
.net .e2{stroke:#C3D0E2}
.net .n-client{fill:#fff;stroke:var(--blue);stroke-width:2.5}
.net .n-partner{fill:var(--blue-50);stroke:var(--blue-300);stroke-width:2}
.net .n-center{fill:var(--navy)}
.net .n-a{fill:none;stroke:#fff;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.net .flow{fill:var(--blue)}
.net-legend{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:6px 18px;font-size:.86rem;color:var(--slate)}
.net-legend li{display:flex;align-items:center;gap:8px}
.net-legend i{width:12px;height:12px;border-radius:50%}
.lg-center{background:var(--navy)}
.lg-client{background:#fff;border:2.5px solid var(--blue)}
.lg-partner{background:var(--blue-50);border:2px solid var(--blue-300)}

/* ---------- Početna: vremenska linija u navy panelu ---------- */
.section.navy.has-timeline > .wrap{padding-bottom:clamp(160px,14vw,190px)}
.timeline{position:absolute;left:0;right:0;bottom:0;height:120px;pointer-events:none}
.timeline svg{position:absolute;inset:0 0 0 0;width:100%;height:100%}
.tl-past{fill:none;stroke:rgba(234,240,248,.32);stroke-width:1.5;stroke-dasharray:5 6}
.tl-future{fill:none;stroke:#9DBBF2;stroke-width:2.2}
.tl-now{stroke:rgba(234,240,248,.35);stroke-width:1;stroke-dasharray:2 4}
.timeline .tl-area{transition:opacity 1.4s var(--ease) 1s}
.js .timeline:not(.drawn) .tl-area{opacity:0}
.timeline span{position:absolute;bottom:14px;font-size:.82rem;color:var(--on-navy-2);white-space:nowrap}
.tl-l{left:clamp(24px,5vw,80px)}
.tl-m{left:50%;transform:translateX(-50%);bottom:auto!important;top:0;padding:2px 10px;border-radius:99px;background:rgba(147,178,236,.14);color:var(--on-navy)!important}
.tl-r{right:clamp(24px,5vw,80px);color:#C9D9F7!important}

/* ---------- CTA: kriva rasta u pozadini panela ---------- */
.cta-line{position:absolute;right:0;bottom:0;width:62%;height:78%;z-index:-1;pointer-events:none}
.cta-stroke{fill:none;stroke:#9DBBF2;stroke-width:2}
.cta-area{transition:opacity 1.6s var(--ease) .8s}
.js .cta-line:not(.drawn) .cta-area{opacity:0}

/* ---------- Kontakt: mapa u kartici sa podacima ---------- */
.info-map{position:absolute;right:-40px;bottom:-30px;width:95%;height:auto;z-index:-1;pointer-events:none;opacity:.9;
  -webkit-mask-image:radial-gradient(ellipse 70% 70% at 70% 60%,#000,transparent 75%);mask-image:radial-gradient(ellipse 70% 70% at 70% 60%,#000,transparent 75%)}
.info-map .st{fill:none;stroke:rgba(147,178,236,.22);stroke-width:1.2}
.info-map .main{stroke:rgba(147,178,236,.3);stroke-width:5;stroke-linecap:round}
.info-map .route{fill:none;stroke:#9DBBF2;stroke-width:2.2;stroke-linecap:round;stroke-dasharray:6 8;animation:af-march 1.4s linear infinite}
.info-map .pin-dot{fill:#9DBBF2}
.info-map .pin-ring{fill:none;stroke:#9DBBF2;stroke-width:1.5;transform-box:fill-box;transform-origin:center;animation:af-pulse 2.6s ease-out infinite}
.info-list{position:relative}

/* ---------- Finansijski konsalting: mini grafikoni uz svaku uslugu ---------- */
.side-art{margin:0 0 4px;padding:16px 16px 12px;background:var(--white);border:1px solid var(--line);border-radius:14px}
.side-art svg{display:block;width:100%;height:auto;overflow:visible}
.side-art figcaption{margin-top:8px;font-size:.8rem;color:var(--slate)}
.side-art .zero{stroke:var(--line-strong);stroke-width:1;stroke-dasharray:3 4}
.side-art .red{fill:none;stroke:var(--red);stroke-width:2;stroke-dasharray:1}
.side-art .blue{fill:none;stroke:var(--blue);stroke-width:2.6;stroke-linecap:round}
.side-art .b-dot{fill:var(--blue)}
.side-art .plan{fill:var(--blue-100)}
.side-art .real{fill:var(--blue)}
.side-art .tax{fill:var(--navy)}
.side-art .track{fill:none;stroke:var(--blue-50);stroke-width:14;stroke-linecap:round}
.side-art .arc{fill:none;stroke:var(--blue);stroke-width:14;stroke-linecap:round}
.side-art .needle line{stroke:var(--navy);stroke-width:3;stroke-linecap:round}
.side-art .needle circle{fill:var(--navy)}
.side-art .needle{transform-box:view-box;transform-origin:130px 88px;transform:rotate(36deg)}
.panel:not([hidden]) .side-art .dr{stroke-dashoffset:1;animation:af-draw 1.6s var(--ease) .25s forwards}
.panel:not([hidden]) .side-art .red.dr{animation-delay:.1s}
.panel:not([hidden]) .side-art .arc{stroke-dashoffset:1;animation:af-arc 1.6s var(--ease) .25s forwards}
@keyframes af-arc{from{stroke-dashoffset:1}to{stroke-dashoffset:.26}}
.panel:not([hidden]) .side-art .needle{animation:af-needle 1.8s var(--ease) .25s both}
@keyframes af-needle{0%{transform:rotate(-82deg)}70%{transform:rotate(44deg)}100%{transform:rotate(36deg)}}
.panel:not([hidden]) .side-art .grow{transform-box:fill-box;transform-origin:50% 100%;animation:af-grow .9s var(--ease) both;animation-delay:calc(var(--i) * 60ms + 150ms)}
.panel:not([hidden]) .side-art .pop2{transform-box:fill-box;transform-origin:center;animation:af-fade .5s 1.5s both}

/* ---------- Responzivnost ilustracija ---------- */
@media (max-width:980px){
  .vision-wrap{grid-template-columns:minmax(0,1fr)}
  .vision-net{justify-self:center;width:min(100%,380px)}
  .art-helm{width:440px;right:-170px;top:auto;bottom:-120px;transform:none;opacity:.8}
  .art-bars,.art-bank{width:420px;right:-60px;opacity:.75}
  .art-rings{width:520px;right:-240px;top:auto;bottom:-200px;transform:none}
  .mast-art{-webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 55%);mask-image:linear-gradient(90deg,transparent 0%,#000 55%)}
}
@media (max-width:760px){
  .tl-l,.tl-r{display:none}
  .cta-line{width:100%;height:55%;opacity:.7}
  .tex::after{width:380px;height:380px}
}

@media (prefers-reduced-motion:reduce){
  .hero-lines .hl-run{display:none}
  .art-helm .spin,.art-rings .ring,.info-map .route,.info-map .pin-ring,.tex::after{animation:none!important}
  .art-rings .ring{opacity:0}
}

/* Sitne ispravke za telefon */
@media (max-width:760px){
  .mg{grid-template-columns:minmax(0,1fr);gap:32px}
}
@media (max-width:440px){
  .hero-strip a,.hero-strip a:first-child{gap:10px;padding:14px 12px}
  .hero-strip b{font-size:.88rem;line-height:1.25}
  .hs-ico{width:34px;height:34px;border-radius:9px}
  .hs-ico svg{width:18px;height:18px}
}

/* =====================================================================
   v3 — telefon + GSAP
   ===================================================================== */
.m-only{display:none}

/* ---------- Kartice na prelazu: isti razmak i okvir za sve četiri ---------- */
.hero-strip > a:nth-child(n){border:1.5px solid var(--blue);padding:20px 22px}
.strip-dots{display:none}

/* ---------- Proces: struja kroz liniju ---------- */
.steps-wrap{position:relative}
.current{display:none}
.gs .current{display:block;position:absolute;z-index:3;left:0;top:-1px;width:0;height:2px;pointer-events:none;border-radius:2px;
  background:linear-gradient(90deg,#4F82EE,#BCD2FB);box-shadow:0 0 10px rgba(147,178,236,.9),0 0 22px rgba(79,130,238,.55)}
.current .spark{position:absolute;right:-6px;top:50%;width:12px;height:12px;margin-top:-6px;border-radius:50%;background:#fff;
  box-shadow:0 0 0 3px rgba(147,178,236,.35),0 0 18px 7px rgba(147,178,236,.8);animation:af-flick 1.2s ease-in-out infinite}
@keyframes af-flick{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.75;transform:scale(.8)}}
.step::before{transition:background-color .35s,box-shadow .45s,transform .45s var(--ease)}
.gs .step.lit::before{background:#fff;border-color:#fff;transform:scale(1.15);box-shadow:0 0 0 5px rgba(147,178,236,.25),0 0 18px 5px rgba(147,178,236,.75)}
.gs .step h3,.gs .step p,.gs .step .num{transition:opacity .5s var(--ease)}
.gs .step:not(.lit) h3,.gs .step:not(.lit) p,.gs .step:not(.lit) .num{opacity:.4}

@media (max-width:980px){
  .steps{grid-template-columns:minmax(0,1fr);row-gap:0}
  .step{border-top:0;border-left:1px solid rgba(234,240,248,.2);padding:0 0 30px 28px}
  .step::before{left:-7px;top:3px}
  .step:last-child{padding-bottom:0}
  .step p{max-width:none}
  .gs .current{top:0;left:-.5px;width:2px;height:0}
  .current .spark{right:auto;top:auto;left:50%;bottom:-6px;margin:0 0 0 -6px}
}

/* ---------- Krediti: pitanja kroz koja teče struja ---------- */
.qflow{position:relative;margin-top:6px}
.qlist{list-style:none;margin:0;padding:0}
.qlist li{position:relative;display:grid;grid-template-columns:30px minmax(0,1fr);gap:14px;padding:15px 0;align-items:start}
.qlist li + li{border-top:1px solid var(--line)}
.qlist p{font-size:1.06rem;line-height:1.5;color:var(--ink)}
.q-node{position:relative;z-index:2;width:18px;height:18px;margin-top:3px;border-radius:50%;background:var(--paper);border:2px solid var(--blue);
  transition:border-color .4s,box-shadow .5s,transform .5s var(--ease)}
.q-node::after{content:"";position:absolute;inset:3px;border-radius:50%;background:var(--blue);transform:scale(0);transition:transform .5s var(--ease)}
.gs .q-node{border-color:var(--line-strong)}
.gs .qlist li.lit .q-node{border-color:var(--blue);transform:scale(1.08);box-shadow:0 0 0 6px rgba(36,87,197,.12),0 0 16px rgba(36,87,197,.35)}
.gs .qlist li.lit .q-node::after{transform:scale(1)}
.q-rail{display:none}
.gs .q-rail{display:block;position:absolute;left:8px;top:30px;height:0;width:2px;background:var(--line);border-radius:2px;z-index:1}
.q-current{position:absolute;left:0;top:0;width:100%;height:0;border-radius:2px;background:linear-gradient(180deg,var(--blue-300),var(--blue));
  box-shadow:0 0 10px rgba(36,87,197,.45)}
.q-current .spark{position:absolute;left:50%;bottom:-6px;width:12px;height:12px;margin-left:-6px;border-radius:50%;background:#fff;border:2px solid var(--blue);
  box-shadow:0 0 14px 4px rgba(36,87,197,.4);animation:af-flick 1.2s ease-in-out infinite}
.qlist .w{display:inline-block}

/* ---------- Krediti: četiri proizvoda kao karte ---------- */
.products{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:28px}
.prod{position:relative;overflow:hidden;isolation:isolate;display:grid;gap:8px;align-content:start;padding:22px 20px;border-radius:16px;
  background:var(--navy);color:var(--on-navy);box-shadow:0 22px 44px -28px rgba(14,37,69,.7);transition:translate .5s var(--ease),box-shadow .5s var(--ease)}
.prod::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(circle at 100% 0%,rgba(36,87,197,.55),transparent 60%)}
.prod:hover{translate:0 -5px;box-shadow:0 30px 54px -28px rgba(14,37,69,.8)}
.prod .shine{position:absolute;inset:0;z-index:2;pointer-events:none;transform:translateX(-130%);
  background:linear-gradient(105deg,transparent 30%,rgba(255,255,255,.22) 50%,transparent 70%)}
.p-ico{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:rgba(147,178,236,.16);color:var(--blue-300);margin-bottom:6px}
.p-ico svg{width:22px;height:22px}
.prod b{font-weight:600;font-size:1.02rem;color:#fff;line-height:1.3}
.prod small{font-size:.86rem;color:var(--on-navy-2);line-height:1.45}

/* ---------- Česta pitanja (GSAP harmonika) ---------- */
.gs .faq-list .ans{padding:0;overflow:hidden}
.gs .faq-list details[open] .ans{animation:none}
.ans-in{padding:0 56px 26px 0}
.faq-list details.closing .pm{transform:none;background:transparent;border-color:var(--line-strong);color:inherit}

/* Naslovi koji se otkrivaju red po red */
.split-line{padding-bottom:.06em}

/* ---------- Kontakt forma ---------- */
.field.full-d{grid-column:1/-1}

/* =====================================================================
   TELEFON
   ===================================================================== */
@media (max-width:980px){
  .float-card{margin:14px 0 0 auto;left:auto;bottom:auto}
}
@media (max-width:760px){
  .d-only{display:none}
  .m-only{display:inline}

  /* četiri kartice → slajder */
  .hero-strip{display:flex;gap:12px;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;-webkit-overflow-scrolling:touch;
    margin:18px calc(-1 * var(--gx)) -40px;padding:6px var(--gx) 30px}
  .hero-strip::-webkit-scrollbar{display:none}
  .hero-strip > a:nth-child(n){flex:0 0 74%;scroll-snap-align:center;justify-content:center;padding:18px 16px;gap:12px}
  .hero-strip small{display:block}
  .strip-dots{display:flex;justify-content:center;gap:6px;position:relative;z-index:4;margin-top:-6px}
  .strip-dots button{width:7px;height:7px;padding:0;border:0;border-radius:99px;background:var(--line-strong);cursor:pointer;transition:width .4s var(--ease),background-color .4s}
  .strip-dots button[aria-current="true"]{width:22px;background:var(--blue)}
  .hero + .section{padding-top:calc(60px + 40px)}

  /* opšta tipografija */
  body{font-size:1rem}
  h2{font-size:1.72rem}
  .lead{font-size:1rem}
  .section{padding-block:60px}
  .head-split,.head{margin-bottom:28px;gap:12px}
  .split{gap:28px}
  .btn{white-space:normal;text-align:center;line-height:1.3}

  /* tamni paneli */
  .section.navy > .wrap{padding-block:40px;padding-inline:20px;border-radius:24px}
  .section.navy.has-timeline > .wrap{padding-bottom:118px}
  .section.navy h2,.cta h2{font-size:1.6rem}
  .navy .lead{font-size:.97rem}
  .checklist{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 14px}
  .checklist li{grid-template-columns:16px minmax(0,1fr);gap:8px;font-size:.84rem}
  .checklist svg{width:16px;height:16px;margin-top:1px}
  .navy .checklist-box{padding:16px;border-radius:14px}
  .cta-inner{padding-block:40px;gap:22px}
  .cta p{font-size:.95rem}

  /* proces */
  .step h3{font-size:1.3rem;margin:6px 0 6px}
  .step p{font-size:.92rem}
  .step .num{font-size:.82rem}
  .loop-note{margin-top:26px;font-size:.86rem}

  /* O nama */
  .vision p{font-size:1.45rem}
  .mg{margin-top:36px;padding-top:28px}
  .mg h3{font-size:1.35rem}
  .mg p{font-size:.98rem}
  .who{padding:22px}
  .who h3{font-size:1.35rem}
  .segment b{font-size:2.4rem}

  /* početna: brojke */
  .facts .num{font-size:2.6rem}
  .facts li{padding:18px 0}

  /* malo dugme za poziv; sakriva se iznad futera */
  .call-fab{width:52px;height:52px;padding:0;gap:0;justify-content:center;border-radius:50%;font-size:0}
  .call-fab svg{width:22px;height:22px}
  .call-fab.away{transform:translateY(140%);opacity:0;pointer-events:none}

  /* futer */
  .ft-bottom,.ft-bottom:nth-child(n){padding:16px 0 calc(16px + env(safe-area-inset-bottom,0px));font-size:.78rem;justify-content:center;text-align:center;gap:4px 14px}

  /* konsalting */
  .tab:last-of-type{justify-content:center;text-align:center}
  .panel{padding:22px;gap:22px}
  .panel h2{font-size:1.6rem}
  .panel .sub{font-size:1.08rem}
  .questions li{font-size:1rem;padding:12px 14px}
  .side{padding:18px}
  .side .btn{padding:14px 16px;font-size:.95rem}

  /* krediti */
  .qlist li{padding:12px 0;gap:12px}
  .qlist p{font-size:.96rem}
  .answer{padding:22px}
  .products{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
  .prod{padding:16px 14px}
  .prod b{font-size:.92rem}
  .prod small{font-size:.8rem}
  .p-ico{width:36px;height:36px;margin-bottom:2px}
  .param{padding:20px}

  /* kontakt */
  .info{padding:22px}
  .info h2{font-size:1.4rem}
  .info-list{margin-top:16px}
  .info-list li{grid-template-columns:34px minmax(0,1fr);gap:12px;padding:13px 0}
  .info-list .i{width:34px;height:34px}
  .info-list .tel{font-size:1.4rem}
  .form-card{padding:22px}
  .form-card h2{font-size:1.5rem}
  .form-card > p{font-size:.92rem;margin-top:6px}
  .form,.form:nth-child(n){grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:18px}
  .field{gap:5px}
  .field label{font-size:.82rem}
  .field input,.field select,.field textarea{padding:11px 12px;border-radius:10px}
  .field select{padding-right:34px;background-position:right 10px center}
  .field textarea{min-height:88px}
  .field.full-m{grid-column:1/-1}
  .field.full-d{grid-column:auto}
  .form-small{font-size:.78rem}

  /* česta pitanja */
  .faq-list summary{padding:18px 0;font-size:1.08rem;grid-template-columns:minmax(0,1fr) 32px;gap:14px}
  .pm{width:32px;height:32px}
  .ans-in{padding:0 0 20px 0}
  .faq-list .ans{font-size:.94rem}
  .faq-side{gap:14px}
}
@media (max-width:620px){
  /* usluge na početnoj: kompaktni redovi */
  .ledger a{display:grid;grid-template-columns:42px minmax(0,1fr);column-gap:14px;row-gap:3px;padding:16px 18px;align-items:start}
  .ledger .ico{grid-row:1 / 3;width:42px;height:42px}
  .ledger h3{margin:0;font-size:1.12rem;align-self:center}
  .ledger p{grid-column:2;font-size:.86rem;line-height:1.5}
  .ledger .more{display:none}
}

/* =====================================================================
   v4 — tačke ispred struje, kartice jedna po jedna, živa česta pitanja
   ===================================================================== */
/* struja kreće iz centra prve tačke i prolazi IZA tačaka */
.step::before{z-index:2}
.gs .current{z-index:1;left:6px;top:-1px}
@media (max-width:980px){
  .gs .current{left:-.5px;top:10px;width:2px}
}
.gs .step.lit::before{border-color:var(--blue-300)}

/* česta pitanja */
.gs .faq-list,.gs .faq-list details{border-color:transparent}
.gs .faq-list details{position:relative}
.fq-line{position:absolute;left:0;right:0;bottom:-1px;height:1px;background:var(--line-strong);pointer-events:none}
.faq-list details:first-child .fq-line::before{content:"";position:absolute;left:0;right:0;top:auto}
.fq-bar{position:absolute;left:0;top:18px;bottom:18px;width:3px;border-radius:3px;background:var(--blue);transform:scaleY(0);transform-origin:50% 0;pointer-events:none}
.gs .faq-list summary,.gs .ans-in{transition:padding-left .5s var(--ease)}
.gs .faq-list details[open]:not(.closing) summary,.gs .faq-list details[open]:not(.closing) .ans-in{padding-left:18px}
.gs .faq-list details[open]:not(.closing) summary{color:var(--navy)}
.gs .faq-list summary:hover{padding-left:8px}
.q-t{display:block}
.gs .faq-list{border-top:1px solid var(--line-strong)}

@media (max-width:760px){
  /* Likvidnost očuvana — centrirano */
  .float-card{margin:16px auto 0;max-width:calc(100% - 24px)}

  /* četiri kartice: jedna po jedna, u centru */
  .hero-strip{display:grid;grid-template-areas:"card";justify-items:center;overflow:visible;padding:0;margin:22px 0 -44px}
  .hero-strip > a:nth-child(n){grid-area:card;width:min(320px,88%);flex:none;justify-content:flex-start;
    opacity:0;visibility:hidden;transform:translateX(calc(var(--dir,1) * 40px)) scale(.96);
    transition:opacity .6s var(--ease),transform .7s var(--ease),visibility 0s linear .7s}
  .hero-strip > a.active{opacity:1;visibility:visible;transform:none;transition:opacity .6s var(--ease) .1s,transform .7s var(--ease) .1s,visibility 0s}
  .hero-strip > a.leave{transform:translateX(calc(var(--dir,1) * -40px)) scale(.96)}
  .strip-dots{margin-top:56px}
  .hero + .section{padding-top:calc(60px + 34px)}
}

/* v5: pune kartice u slajderu, ikonica bez CSS prelaza na transformaciji */
.gs .pm{transition:background-color .35s,border-color .35s,color .35s}
@media (max-width:760px){
  .hero-strip{grid-template-columns:minmax(0,1fr)}
  .hero-strip > a:nth-child(n){width:100%;max-width:340px;justify-self:center;padding:18px 20px}
  .hero-strip small{white-space:nowrap}
  .strip-dots{margin-top:52px}
}

/* bez horizontalnog prelivanja zbog kartica koje klize */
.hero{overflow-x:clip}
html{overflow-x:clip}

/* v6: kartica na sredini prelaza plavo/belo, plavi okvir, tačkice sa okvirom */
@media (max-width:760px){
  .hero-strip{margin:22px 0 0}
  .hero-strip > a:nth-child(n){border:2px solid var(--blue);box-shadow:0 0 0 4px rgba(36,87,197,.14),0 24px 44px -24px rgba(8,22,41,.55)}
  .strip-dots{margin-top:14px;margin-bottom:-63px;gap:7px}
  .strip-dots button{width:10px;height:10px;border:1.5px solid var(--blue);background:#fff;box-sizing:border-box}
  .strip-dots button[aria-current="true"]{width:26px;background:var(--blue)}
  .hero + .section{padding-top:calc(60px + 70px)}
}

/* telefon: bez linije posle poslednje tačke */
@media (max-width:980px){.steps .step:last-child{border-left-color:transparent}}

/* desktop: bez linije posle poslednje tačke */
@media (min-width:981px){.steps .step:last-child{border-top-color:transparent}}

/* v7: pitanja u konsaltingu kao istaknute kartice sa ikonicom */
.questions li{display:grid;grid-template-columns:40px minmax(0,1fr);gap:14px;align-items:center;padding:14px 18px 14px 14px;background:#fff;
  border:1.5px solid var(--blue-100);border-radius:14px;position:relative;transition:border-color .35s,box-shadow .35s,translate .35s var(--ease)}
.questions li::before{content:"";width:40px;height:40px;border-radius:12px;background:var(--blue-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232457C5' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M21 12a8.5 8.5 0 0 1-12.6 7.4L3 21l1.6-5.2A8.5 8.5 0 1 1 21 12z'/%3E%3Cpath d='M9.6 9.6a2.5 2.5 0 0 1 4.8.9c0 1.7-2.4 2.2-2.4 3.5'/%3E%3Cpath d='M12 17h.01'/%3E%3C/svg%3E") center/22px no-repeat;font-size:0}
.questions li:hover{border-color:var(--blue);box-shadow:0 14px 30px -20px rgba(36,87,197,.55);translate:4px 0}
@media (max-width:760px){.questions li{grid-template-columns:34px minmax(0,1fr);gap:12px;padding:12px}.questions li::before{width:34px;height:34px;background-size:19px}}

/* porez i kriza: animirani prikazi ispod teksta */
.fx{margin-top:26px;padding:20px;border:1.5px solid var(--blue-100);border-radius:16px;background:linear-gradient(180deg,#fff,var(--paper))}
.fx-head{display:flex;justify-content:space-between;align-items:center;gap:10px;font-size:.9rem;font-weight:600;color:var(--ink);margin-bottom:16px}
.fx-pill{font-size:.74rem;font-weight:600;padding:4px 10px;border-radius:99px;background:var(--blue-50);color:var(--blue)}
.fx-foot{margin-top:14px;font-size:.86rem;color:var(--slate)}
.tc-count{font-weight:700;color:var(--blue);font-variant-numeric:tabular-nums}
.tc-grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:6px}
.tc-m{position:relative;display:flex;flex-direction:column;align-items:center;gap:6px;padding:8px 0 6px;border-radius:10px;border:1.5px solid var(--line);background:#fff;transition:border-color .3s,background-color .3s}
.tc-m i{display:block;width:10px;height:56px;border-radius:5px;background:var(--blue-50);position:relative;overflow:hidden}
.tc-m i::after{content:"";position:absolute;left:0;right:0;bottom:0;height:var(--h);background:var(--blue);border-radius:5px;transform:scaleY(var(--g,0));transform-origin:bottom;transition:transform .5s var(--ease)}
.tc-m b{font-size:.68rem;font-weight:600;color:var(--slate)}
.tc-ok{position:absolute;top:-8px;right:-6px;width:18px;height:18px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;transform:scale(0);transition:transform .35s var(--ease)}
.tc-ok svg{width:11px;height:11px}
.tc-m.done{border-color:var(--blue);background:var(--blue-50)}
.tc-m.done i{--g:1}
.tc-m.done .tc-ok{transform:scale(1)}
.cr-svg{display:block;width:100%;height:150px;overflow:visible}
.cr-zero{stroke:var(--line-strong);stroke-dasharray:4 5}
.cr-line{fill:none;stroke:var(--blue);stroke-width:3;stroke-linecap:round;stroke-dasharray:1;vector-effect:non-scaling-stroke}
.cr-dot{fill:#fff;stroke:var(--blue);stroke-width:3;vector-effect:non-scaling-stroke;transform-box:fill-box;transform-origin:center}
.cr-phases{display:grid;grid-template-columns:repeat(3,1fr);margin-top:10px;font-size:.84rem;font-weight:600;color:var(--slate-400);text-align:center}
.cr-phases span{transition:color .35s}
.cr-phases span.on{color:var(--blue)}
@media (max-width:760px){.tc-grid{grid-template-columns:repeat(6,minmax(0,1fr));row-gap:12px}.tc-m i{height:40px}.fx{padding:16px}}

/* Natpis uz logo: elegantan, ravan font, poravnat po sredini znaka */
.brand{align-items:center}
.brand-name{font-family:"Jost","Futura","Century Gothic","Segoe UI",sans-serif;font-weight:500;font-size:1.06rem;letter-spacing:.24em;line-height:1;
  display:inline-flex;align-items:center;height:40px;padding-top:1px;white-space:nowrap}
.ft .brand-name,.menu .brand-name{font-size:1.02rem}

/* Natpis iste visine kao znak: vrh i dno velikih slova poravnati sa znakom (Jost: visina velikih slova 0,7 em) */
.brand{gap:12px}
.brand-name,.ft .brand-name,.menu .brand-name{font-family:"Jost","Futura","Century Gothic",sans-serif;font-weight:500;letter-spacing:.01em;
  font-size:calc(40px / .7);line-height:40px;height:40px;padding:0;display:block;overflow:visible}
@media (max-width:760px){
  .site-header .mark,.menu .mark{width:32px;height:32px}
  .site-header .brand-name,.menu .brand-name{font-size:calc(32px / .7);line-height:32px;height:32px}
  .brand{gap:10px}
}

/* Natpis: visina slova jednaka visini znaka, centrirano */
.brand-name,.ft .brand-name,.menu .brand-name{font-size:calc(40px * 1.16);line-height:40px;height:40px;transform:translateY(1px)}
@media (max-width:760px){
  .site-header .brand-name,.menu .brand-name{font-size:calc(32px * 1.16);line-height:32px;height:32px}
}

/* tri kartice na prelazu */
@media (min-width:761px){.hero-strip{grid-template-columns:repeat(3,minmax(0,1fr))}}