/* ===================================================
   formular.css — Žiadosť o hypotekárny úver
   Stránka ID 50 / /udaje-k-ziadosti-o-uver
   =================================================== */

/* Base */
.header:after { content: none !important; }

/* Globálne `html,body { overflow-x: hidden }` (sass/media-base/layout/_global.scss) necháva
   `overflow-y` prepočítať na `auto` (CSS špecifikácia: visible+non-visible na opačných osiach
   nejde, jedna z nich sa vždy zmení na auto) — to rozbíja `position: sticky` na .vrf-sidebar,
   lebo <body> tak vyzerá ako (v skutočnosti nefunkčný) scroll kontajner namiesto viewportu.
   Overené naživo (getBoundingClientRect() pri rôznych scrollY). Na tejto stránke preto obe
   osi vrátime na `visible` (normálny root scroller) na KAŽDOM predkovi .vrf-sidebar až po
   <html> — nestačí to len na body/html, `.vrf-page` je tiež predok a musí byť rovnako čistý.
   Ochranu pred horizontálnym pretečením preto nedávame na žiadneho predka sidebaru, ale na
   `.vrf-main` (súrodenec .vrf-sidebar, nie predok — tam môže mať overflow-x:hidden pokojne,
   sticky to nijako neovplyvní). */
html:has(.vrf-page), body:has(.vrf-page) { overflow-x: visible; overflow-y: visible; }

.vrf-page {
   min-height: 100vh;
   /* background: #06181C; */
   color: #fff;
   padding-top: 12rem;
   background: url(../img/city-5-1900.webp) #06181C;
   background-position: center top;
   background-repeat: no-repeat;
   background-size: cover;
}
.vrf-page:before {

}

/* TOP BAR */
.vrf-topbar { padding: 10px 20px; display: flex; align-items: center; justify-content: flex-end; flex-wrap: wrap; gap: 10px; }
.vrf-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.vrf-logo img { height: 38px; width: auto; }
.vrf-logo-text { font-family: 'Barlow Semi Condensed', sans-serif; font-size: 13px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: #fff; line-height: 1.2; }
.vrf-logo-text small { display: block; font-size: 9px; color: #00C2C7; font-weight: 400; letter-spacing: 2.5px; margin-top: 2px; }
.vrf-sec-badge { display: flex; align-items: center; gap: 10px; background: rgba(0,194,199,.1); border: 1px solid rgba(0,194,199,.25); border-radius: 8px; padding: 12px 14px; color: #b8dde6; }
.vrf-sec-badge svg { flex-shrink: 0; color: #00C2C7; }

/* STEP PROGRESS */
.vrf-steps-wrap { background: #06181C; border-bottom: 1px solid rgba(255,255,255,.07); }
.vrf-steps-tabs { display: flex; overflow-x: auto; scrollbar-width: none; }
.vrf-steps-tabs::-webkit-scrollbar { display: none; }
.vrf-step-tab { display: flex; align-items: center; gap: 8px; padding: 12px 18px; white-space: nowrap; font-size: 10px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: rgba(255,255,255,.35); border-bottom: 3px solid transparent; cursor: pointer; transition: color .2s, border-color .2s; user-select: none; }
.vrf-step-tab.active { color: #00C2C7; border-bottom-color: #00C2C7; }
.vrf-step-circle { width: 21px; height: 21px; border-radius: 50%; flex-shrink: 0; background: rgba(255,255,255,.12); display: flex; align-items: center; justify-content: center; font-size: 10px; font-weight: 700; }
.vrf-step-tab.active .vrf-step-circle { background: #00C2C7; color: #fff; }
.vrf-progress-row { height: 3px; background: rgba(255,255,255,.08); position: relative; }
.vrf-progress-fill { height: 100%; background: #00C2C7; width: 20%; transition: width .4s ease; }
.vrf-progress-pct { position: absolute; right: 16px; top: 5px; font-size: 10px; color: rgba(255,255,255,.4); }

/* LAYOUT */
.vrf-layout { display: flex; min-height: calc(100vh - 108px); }

/* SIDEBAR */
/* `height:100%` tu zámerne NIE JE — `.vrf-layout` má len `min-height` (nie pevnú `height`),
   takže percentuálna výška by sa nespoľahlivo počítala voči flex kontajneru s neurčitou
   výškou (v praxi vychádzalo kratšie ako reálny obsah `.vrf-main`, takže sa sidebar
   pri dlhšom scrolle predčasne "odlepil"). Bez explicitnej výšky je box vysoký presne
   podľa vlastného obsahu a `position:sticky` tak drží po celej výške `.vrf-layout`. */
.vrf-sidebar { width: 228px; flex-shrink: 0; background: rgba(6,24,28,.55); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); position: sticky; top: 0; align-self: flex-start; border: 1px solid rgba(0,194,199,.18); border-radius: 12px }
.vrf-sidebar .checkbox-wrapper-4 .cbx span:first-child {
   flex: 0 0 20px;
   width: 20px;
   height: 20px;
}
.vrf-sidebar .checkbox-wrapper-4 .cbx span:last-child {
   padding-left: 10px;
}
.vrf-sb-section { padding: 13px 14px 10px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; }
.vrf-mode-btn { display: flex; align-items: flex-start; gap: 9px; padding: 6px; cursor: pointer; user-select: none; }
.vrf-mode-chk { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; border: 2px solid rgba(0,194,199,.6); border-radius: 3px; position: relative; transition: background .15s, border-color .15s; }
.vrf-mode-chk.on { background: #00C2C7; border-color: #00C2C7; }
.vrf-mode-chk.on::after { content: ''; position: absolute; left: 2px; top: -1px; width: 7px; height: 10px; border: 2px solid #fff; border-top: none; border-left: none; transform: rotate(45deg); }
.vrf-mode-lbl { font-weight: 600; color: #fff; }
.vrf-mode-lbl small { display: block; font-weight: 400; color: rgba(255,255,255,.4); margin-top: 1px; }
.vrf-sb-group { padding: 4px 0; }
.vrf-sb-ghdr { display: flex; align-items: center; gap: 7px; padding: 6px 14px; cursor: pointer; }
.vrf-sb-ghdr:hover .vrf-sb-glabel { color: #fff; }
.vrf-sb-gnum { width: 26px; height: 26px; border-radius: 50%; flex-shrink: 0; background: rgba(0,194,199,.15); display: flex; align-items: center; justify-content: center; font-weight: 700; color: #00C2C7; padding-top: 2px }
.vrf-sb-glabel { font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: rgba(255,255,255,.5); transition: color .15s; }
.vrf-sb-item { display: flex; align-items: center; gap: 6px; padding: 3px 14px 3px 24px; color: rgba(255,255,255,.5); cursor: pointer; transition: color .15s; }
.vrf-sb-item:hover { color: #fff; }
.vrf-sb-item.active { color: #00C2C7; }
.vrf-sb-item::before { content: ''; width: 5px; height: 5px; border-radius: 50%; background: rgba(255,255,255,.18); flex-shrink: 0; }
.vrf-sb-item.active::before { background: #00C2C7; }
.vrf-sb-contact { padding: 12px 14px; margin-top: 8px; border-top: 1px solid rgba(255,255,255,.06); }
.vrf-sb-contact a { display: flex; align-items: center; gap: 5px; color: rgba(255,255,255,.55); text-decoration: none; padding: 2px 0; }
.vrf-sb-contact a:hover { color: #00C2C7; }

/* MAIN */
.vrf-main { flex: 1; padding: 0 16px 16px; overflow-x: hidden; overflow-y: auto; min-width: 0; }
.vrf-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
/* CARDS */
.vrf-card { background: rgba(255,255,255,.95); border-radius: 12px; box-shadow: 0 4px 24px rgba(0,0,0,.35); overflow: hidden; }
.vrf-card-head { display: flex; align-items: center; justify-content: space-between; cursor: pointer; user-select: none; flex-shrink: 0; }
.vrf-card-head.open,
.vrf-card-head.is-active { background: #0B2A2F; border-bottom-color: transparent; }
.vrf-card-head-l { display: flex; align-items: center; gap: 10px; }
.vrf-card-no { width: 25px; height: 25px; border-radius: 50%; flex-shrink: 0; background: #00C2C7; color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 700; }
.vrf-card-title { font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: #1a2b3c; }
.vrf-card-sub { font-size: 11px; color: rgba(26,43,60,.38); letter-spacing: .5px; text-transform: uppercase; }
.vrf-card-body { padding: 0px 15px; color: #1a2b3c; }
.vrf-card-body.hide { display: none; }

/* Žiadateľ 1/Žiadateľ 2 sa naťahujú na rovnakú výšku (grid default align-items:stretch
   naťahuje wrapper #vrf-z1/#vrf-z2 na výšku riadku, tu to prenášame aj na .vrf-card vo
   vnútri cez flex) — len tento pár, nie ostatné karty v .vrf-form-grid. */
#vrf-z1, #vrf-z2 { height: 100%; }
#vrf-z1 .vrf-card, #vrf-z2 .vrf-card { height: 100%; display: flex; flex-direction: column; }
#vrf-z1 .vrf-card-body, #vrf-z2 .vrf-card-body { flex: 1; }

/* SUBSECTION TITLES */
.vrf-subsec { margin-bottom: 13px; }
.vrf-subsec:last-child { margin-bottom: 0; }
.vrf-subsec-title { display: flex; align-items: center; gap: 6px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: #1a2b3c; margin-bottom: 9px; }
.vrf-subsec-title svg { color: #00C2C7; width: 24px; height: 24px; flex-shrink: 0; }

/* FIELD GRID */
.vrf-fields { display: grid; grid-template-columns: repeat(2, 1fr); gap: 7px 9px; }
.vrf-fields.c1 { grid-template-columns: 1fr; }
.vrf-fields.c3 { grid-template-columns: repeat(3, 1fr); }
.vrf-fields.c4 { grid-template-columns: repeat(4, 1fr); }
.vrf-f { display: flex; flex-direction: column; gap: 3px; position: relative; border: 1px solid #dde2e9; border-radius: 10px; }
.vrf-f.s2 { grid-column: span 2; }
.vrf-f.s3 { grid-column: span 3; }
.vrf-f.s4 { grid-column: span 4; }
.vrf-lbl { display: flex; align-items: center; gap: 3px; font-weight: 700; color: #4a5568; text-transform: uppercase; letter-spacing: .4px; }
.vrf-lbl .req { color: red; margin-left: 1px; }
.vrf-ii { width: 24px; height: 24px; border-radius: 50%; flex-shrink: 0; color: #fff; display: inline-flex; align-items: center; justify-content: center; cursor: help; position: relative; }
.vrf-ii .vrf-tip { display: none; position: absolute; z-index: 200; bottom: 18px; left: 50%; transform: translateX(-50%); background: #0B2A2F; color: #fff; font-size: 10px; font-weight: 400; letter-spacing: 0; text-transform: none; border-radius: 5px; padding: 6px 9px; width: 170px; box-shadow: 0 4px 16px rgba(0,0,0,.4); pointer-events: none; line-height: 1.4; }
.vrf-ii:hover .vrf-tip { display: block; }
.vrf-ctrl { height: 34px; width: 100%; border: 1.5px solid #dde2e9; border-radius: 6px; padding: 0 9px; color: #1a2b3c; background: #fff; transition: border-color .15s, box-shadow .15s; -webkit-appearance: none; appearance: none; }
.vrf-ctrl:focus { outline: none; }
.vrf-ctrl::placeholder { color: #b0b9c6; }
select.vrf-ctrl { background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M0 0l5 6 5-6z' fill='%23b0b9c6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 8px center; padding-right: 24px; cursor: pointer; }
.vrf-ic { position: relative; }
.vrf-ic svg { position: absolute; left: 7px; top: 50%; transform: translateY(-50%); color: #b0b9c6; width: 12px; height: 12px; pointer-events: none; }
.vrf-ic .vrf-ctrl { padding-left: 25px; }
.vrf-acc-body { margin-bottom: 15px }

/* CALENDAR (native input[type=date]) — naštýlované podľa vrf-ctrl + teal brandingu stránky */
.vrf-ctrl[type="date"] { color-scheme: light; }
.vrf-ctrl[type="date"]::-webkit-calendar-picker-indicator {
   background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300C2C7' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='3' y='5' width='18' height='16' rx='2'/%3E%3Cpath d='M8 3v4M16 3v4M3 10h18'/%3E%3C/svg%3E") center / 16px 16px no-repeat;
   width: 18px;
   height: 18px;
   padding: 0;
   cursor: pointer;
   opacity: .65;
   transition: opacity .15s;
}
.vrf-ctrl[type="date"]::-webkit-calendar-picker-indicator:hover { opacity: 1; }
.vrf-ctrl[type="date"]:focus { border-color: #00C2C7; box-shadow: 0 0 0 3px rgba(0,194,199,.15); }

/* MODE VISIBILITY */
.vrf-mode-p .vrf-z { display: none !important; }
/* .vrf-mode-p .vrf-card-vydavky { display: none; } */
.vrf-mode-p .vrf-dolezite { display: none; }

/* TABS */
.vrf-tabs { display: flex; gap: 3px; margin-bottom: 11px; background: #f1f5f9; border-radius: 6px; padding: 3px; }
.vrf-tab { flex: 1; padding: 5px 8px; text-align: center; font-size: 9px; font-weight: 700; letter-spacing: .5px; text-transform: uppercase; border-radius: 4px; cursor: pointer; color: #6b7280; transition: all .15s; user-select: none; }
.vrf-tab.active { background: #0B2A2F; color: #fff; }
.vrf-tab-panel { display: none; }
.vrf-tab-panel.active { display: block; }

/* YES/NO */
.vrf-yn { display: flex; gap: 6px; }
.vrf-yn label { flex: 1; display: flex; align-items: center; justify-content: center; gap: 4px; padding: 6px 8px; border: 1.5px solid #dde2e9; border-radius: 6px; font-size: 11px; font-weight: 600; cursor: pointer; color: #6b7280; transition: all .15s; background: #fff; }
.vrf-yn label input { display: none; }
.vrf-yn label.sel { border-color: #00C2C7; background: rgba(0,194,199,.07); color: #00C2C7; }

/* ACCORDION — štýlujeme globálny c-accordion komponent pre tmavé pozadie kariet */
.vrf-card-body .c-accordion__trigger { background: #0B2A2F; color: #fff; border-radius: 6px; padding: 7px 11px; font-size: 10px; font-weight: 700; letter-spacing: .5px; text-transform: uppercase; width: 100%; display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
.vrf-card-body .c-accordion__trigger .c-collapse__chevron { color: rgba(255,255,255,.6); }
.vrf-card-body .c-accordion__panel { margin-bottom: 8px; }

/* TMAVÉ KARTY (Úver/Príjem/Výdavky/Podnikanie) — na rozdiel od Žiadateľ 1/2 (svetlé karty) */
/* Sklenený efekt ako sidebar/submit-wrap/how/trust (rgba + blur), len menej priehľadný
   (viac krytia, nech text ostane dobre čitateľný) a s teal "žiarením" v rohu namiesto
   plochej matnej farby. */
.vrf-card--dark {
   background:
      radial-gradient(140% 100% at 0% 0%, rgba(0,240,255,.16), transparent 55%),
      rgba(6,24,28,.82);
   backdrop-filter: blur(10px);
   -webkit-backdrop-filter: blur(10px);
   border: 1px solid rgba(0,194,199,.35);
}
/* .vrf-card-head.open/.is-active má vlastné plné pozadie (#0B2A2F) — na tmavej karte by
   tak hlavička prebila gradient/blur plochou farbou, zatiaľ čo telo pod ňou by ho malo. */
.vrf-card--dark .vrf-card-head.open,
.vrf-card--dark .vrf-card-head.is-active { background: transparent; }
.vrf-card--dark .vrf-card-title { color: #fff; }
.vrf-card--dark .vrf-card-sub { color: rgba(255,255,255,.45); }
.vrf-card--dark .vrf-card-body { color: rgba(255,255,255,.85); }
.vrf-card--dark .vrf-subsec-title { color: #fff; }
.vrf-card--dark .vrf-lbl { color: rgba(255,255,255,.6); }
.vrf-card--dark .vrf-f { border-color: rgba(255,255,255,.14); }
.vrf-card--dark .vrf-ctrl { color: #fff; }
.vrf-card--dark .vrf-ctrl::placeholder { color: rgba(255,255,255,.35); }
.vrf-card--dark select.vrf-ctrl { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M0 0l5 6 5-6z' fill='%23ffffff'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 8px center; }
.vrf-card--dark .vrf-ic svg { color: rgba(255,255,255,.4); }
.vrf-card--dark .vrf-tabs { background: rgba(255,255,255,.06); }
.vrf-card--dark .vrf-tab { color: rgba(255,255,255,.55); }
.vrf-card--dark .vrf-tab.active { background: #00C2C7; color: #06181C; }
.vrf-card--dark .vrf-yn label { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.14); color: rgba(255,255,255,.6); }
.vrf-card--dark .vrf-yn label.sel { border-color: #00C2C7; background: rgba(0,194,199,.15); color: #00C2C7; }
.vrf-card--dark .vrf-acc-hdr { color: #fff; }
.vrf-card--dark .c-collapse__chevron { color: #fff; }

/* SUBMIT BAR */
.vrf-submit-wrap { background: rgba(6,24,28,.55); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); padding: 26px 20px; border: 1px solid rgba(0, 194, 199, 1.5); border-radius: 12px; }
.vrf-submit-inner { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.vrf-submit-sec { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.vrf-submit-sec svg { color: #00C2C7; flex-shrink: 0; }
.vrf-submit-sec-txt strong { display: block; color: #fff; margin-bottom: 1px; }
.vrf-submit-sec-txt span { color: rgba(255,255,255,.45); }
.vrf-gdpr-row { flex: 1; min-width: 220px; display: flex; align-items: center; gap: 7px; }
.vrf-gdpr-row input { flex-shrink: 0; cursor: pointer; accent-color: #00C2C7; width: 13px; height: 13px; }
.vrf-gdpr-row a { color: #00C2C7; text-decoration: none; }
.vrf-gdpr-row a:hover { text-decoration: underline; }
.vrf-btn { display: inline-flex; align-items: center; gap: 8px; padding: 11px 24px; border-radius: 12px; transition: background .2s; flex-shrink: 0; white-space: nowrap; }
.vrf-btn:hover { background: #009FA3; }
.vrf-btn:disabled { background: #7ab5be; cursor: not-allowed; }
.vrf-msg { padding: 9px 14px; border-radius: 6px; font-size: 14px; margin-top: 10px; display: none; }
.vrf-msg.is-success { background: rgba(0,194,199,.15); border: 1px solid #00C2C7; color: #d0f2f8; display: block; }
.vrf-msg.is-error { background: rgba(220,50,50,.15); border: 1px solid #dc3232; color: #dc3232; display: block; }

/* Form.hx loader — `.is-loading` dáva Form.hx na koreň formulára (#vrfForm), nie na
   tlačidlo, preto obyčajný descendant selektor. Zatiaľ len samotné koliesko na tlačidle —
   zošednutie celého formulára cez `#vrfForm.is-loading` doplníme neskôr. Počas loadingu sa
   šípka v tlačidle skryje a nahradí ju koliesko na jej mieste (nie vedľa nej). */
.vrf-btn .c-form-loader { display: none; width: 14px; height: 14px; border: 2px solid currentColor; border-top-color: transparent; border-radius: 50%; opacity: .85; }
.is-loading .vrf-btn-icon { display: none; }
.is-loading .c-form-loader { display: inline-block; animation: vrf-spin .6s linear infinite; }
@keyframes vrf-spin { 100% { transform: rotate(360deg); } }

/* HOW IT WORKS */
.vrf-how { background: rgba(6,24,28,.55); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); padding: 24px 20px; border: 1px solid rgba(0, 194, 199, 1.5); border-radius: 12px; }
.vrf-how-title { font-weight: 700; letter-spacing: 2px; text-transform: uppercase; }
.vrf-how-grid { display: grid; gap: 14px; }
.vrf-how-item { display: flex; align-items: flex-start; gap: 10px; }
.vrf-how-item:last-child { border-right: none; }
.vrf-how-num { width: 28px; height: 28px; border-radius: 50%; flex-shrink: 0; background: #00C2C7; color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 700; }
.vrf-how-txt strong { display: block; }
.vrf-how-txt span { color: rgba(255,255,255,.42); line-height: 1.5; }

/* TRUST BAR (nad submit sekciou) */
.vrf-trust { background: rgba(6,24,28,.55); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); padding: 20px; border: 1px solid rgba(0, 194, 199, 1.5); border-radius: 12px; }
.vrf-trust-grid { display: grid; gap: 18px; }
.vrf-trust-item { display: flex; align-items: center; gap: 12px; }
.vrf-trust-item:last-child { border-right: none; }
.vrf-trust-icon { width: 64px; height: 64px; flex-shrink: 0; color: #00C2C7; }
.vrf-trust-txt strong { display: block; color: #fff; margin-bottom: 1px; }
.vrf-trust-txt span { color: rgba(255,255,255,.45); line-height: 1.4; }

/* RESPONSIVE */
@media (max-width: 1100px) {
   .vrf-sidebar { width: 190px; } .vrf-form-grid { grid-template-columns: 1fr; }
}
@media (max-width: 860px) {
   .vrf-layout { flex-direction: column; }
   .vrf-sidebar { display: block; width: 100%; position: static; height: auto; max-height: none; overflow-y: visible; margin-bottom: 14px; }
   .vrf-sidebar > *:not(.vrf-mode-btn) { display: none; }
   .vrf-fields.c4 { grid-template-columns: repeat(2, 1fr); } .vrf-fields.c3 { grid-template-columns: repeat(2, 1fr); } .vrf-submit-inner { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 520px) {
   .vrf-topbar { flex-direction: column; align-items: flex-start; } .vrf-fields { grid-template-columns: 1fr !important; } .vrf-step-tab span { display: none; } .vrf-how-grid { grid-template-columns: 1fr; } .vrf-f.s2,.vrf-f.s3,.vrf-f.s4 { grid-column: auto; }
}

@media (min-width: 861px) {
   .vrf-how-item { border-right: 1px solid rgba(255, 255, 255, .06); }
   .vrf-trust-item { border-right: 1px solid rgba(255, 255, 255, .06); padding-right: 14px; }
}

@media (min-width: 1200px) {
   .vrf-how-grid { grid-template-columns: repeat(4, 1fr); }
   .vrf-trust-grid { grid-template-columns: repeat(4, 1fr); }
}