:root {
  --navy: #1f3a5f;
  --navy-dark: #142943;
  --accent: #2e7d63;
  --accent-light: #e7f3ee;
  --ink: #1c1f24;
  --muted: #5b6472;
  --border: #e4e7ec;
  --bg: #ffffff;
  --bg-soft: #f7f9fb;
  --radius: 10px;
  --shadow: 0 8px 24px rgba(20, 41, 67, 0.08);
  font-size: 16px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: "Segoe UI", Roboto, -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}

a { color: inherit; text-decoration: none; }

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== HEADER ===== */
.site-header {
  border-bottom: 1px solid var(--border);
  background: var(--bg);
  position: sticky;
  top: 0;
  z-index: 50;
}

.header-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 18px;
  font-weight: 600;
  color: var(--navy-dark);
  flex-shrink: 0;
}

.brand-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 9px;
  background: var(--navy);
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.5px;
}

.brand-name strong { color: var(--accent); font-weight: 700; }

.main-nav ul {
  display: flex;
  align-items: center;
  gap: 4px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 14px;
  border: none;
  background: none;
  font-size: 15px;
  font-weight: 500;
  color: var(--ink);
  cursor: pointer;
  border-radius: 8px;
  white-space: nowrap;
}

.nav-link:hover { background: var(--bg-soft); color: var(--navy-dark); }

.nav-cta {
  background: var(--accent);
  color: #fff !important;
  padding: 10px 18px;
  border-radius: 8px;
}
.nav-cta:hover { background: #256b53; color: #fff; }

.chev { width: 9px; height: 6px; fill: none; stroke: currentColor; stroke-width: 1.6; margin-top: 1px; }

.has-dropdown { position: relative; }

.dropdown {
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  min-width: 300px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 10px;
  display: none;
  flex-direction: column;
}

.dropdown.open { display: flex; }

.dropdown a {
  padding: 9px 12px;
  border-radius: 7px;
  font-size: 14px;
  color: var(--ink);
}
.dropdown a:hover { background: var(--accent-light); color: var(--navy-dark); }

.dropdown-heading {
  font-weight: 700;
  color: var(--navy-dark);
  border-bottom: 1px solid var(--border);
  margin-bottom: 6px;
  padding-bottom: 12px !important;
  border-radius: 0;
}
.dropdown-heading:hover { background: none; }

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.mobile-toggle span { width: 22px; height: 2px; background: var(--navy-dark); border-radius: 2px; }

/* ===== HERO / PLACEHOLDER CONTENT ===== */
.page-hero {
  background: linear-gradient(180deg, var(--bg-soft) 0%, #fff 100%);
  padding: 56px 0 40px;
  border-bottom: 1px solid var(--border);
}
.breadcrumb { color: var(--muted); font-size: 13px; margin: 0 0 14px; text-transform: uppercase; letter-spacing: 0.04em; }

.breadcrumb-nav { display: flex; align-items: center; gap: 7px; font-size: 13px; color: var(--muted); text-transform: uppercase; letter-spacing: 0.04em; margin: 0 0 14px; flex-wrap: wrap; }
.breadcrumb-nav a { color: var(--muted); }
.breadcrumb-nav a:hover { color: var(--navy-dark); }
.breadcrumb-nav .sep { color: var(--border); }
.breadcrumb-nav .current { color: var(--muted); }
.page-hero h1 { font-size: 34px; line-height: 1.25; color: var(--navy-dark); margin: 0 0 16px; max-width: 780px; }
.page-hero .lede { font-size: 17px; color: var(--muted); max-width: 680px; margin: 0 0 12px; }
.page-hero .lede:last-of-type { margin-bottom: 0; }
.page-hero .lede-strong { color: var(--ink); font-weight: 600; max-width: 720px; }
.page-hero .lede a { color: var(--navy); text-decoration: underline; text-decoration-color: var(--border); font-weight: 600; }
.page-hero .lede a:hover { color: var(--accent); }

.hero-links { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; margin-top: 22px; }
.hero-links-label { font-size: 13px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: 0.04em; }
.hero-links a {
  background: #fff;
  border: 1.5px solid var(--border);
  padding: 8px 16px;
  border-radius: 999px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy-dark);
  text-decoration: none;
}
.hero-links a:hover { border-color: var(--accent); color: var(--accent); }

.placeholder-block { padding: 40px 0 80px; }
.placeholder-card {
  border: 1.5px dashed var(--border);
  border-radius: var(--radius);
  padding: 36px;
  background: var(--bg-soft);
  color: var(--muted);
}
.placeholder-card h2 { color: var(--navy-dark); margin-top: 0; font-size: 20px; }

/* ===== FOOTER ===== */
.site-footer {
  background: var(--navy-dark);
  color: #cdd7e3;
  margin-top: 40px;
}
.footer-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 48px 24px 32px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 32px;
}
.footer-brand .brand { color: #fff; }
.footer-brand .brand-mark { background: #fff; color: var(--navy-dark); }
.footer-brand .brand-name strong { color: #6fd6b0; }
.footer-tag { margin-top: 14px; font-size: 13.5px; color: #9fb0c3; max-width: 320px; line-height: 1.6; }

.footer-col h4 { color: #fff; font-size: 14px; margin: 0 0 14px; text-transform: uppercase; letter-spacing: 0.04em; }
.footer-col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 9px; }
.footer-col a { font-size: 14px; color: #b9c5d3; }
.footer-col a:hover { color: #fff; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 18px 24px;
  text-align: center;
  font-size: 12.5px;
  color: #7e8fa3;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .header-inner { position: relative; }

  .main-nav { display: none; }

  .main-nav.mobile-open {
    display: block;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: #fff;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow);
    max-height: calc(100vh - 72px);
    overflow-y: auto;
  }

  .main-nav.mobile-open ul {
    flex-direction: column;
    align-items: stretch;
    gap: 2px;
    padding: 12px;
  }

  .main-nav.mobile-open .nav-link {
    width: 100%;
    justify-content: space-between;
  }

  .main-nav.mobile-open .nav-cta {
    justify-content: center;
    margin-top: 6px;
  }

  .main-nav.mobile-open .has-dropdown { position: static; }

  .main-nav.mobile-open .dropdown {
    position: static;
    min-width: 0;
    border: none;
    box-shadow: none;
    padding: 0 0 6px 14px;
  }

  .mobile-toggle { display: flex; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .page-hero h1 { font-size: 26px; }
}

/* ===== BLOG ARHIVA ===== */
.page-hero--sm { padding: 40px 0 32px; }

.blog-wrap { padding: 36px 0 60px; }

.blog-filters {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.filter-pill {
  border: 1.5px solid var(--border);
  background: #fff;
  color: var(--muted);
  padding: 8px 16px;
  border-radius: 999px;
  font-size: 13.5px;
  font-weight: 600;
  cursor: pointer;
}
.filter-pill:hover { border-color: var(--navy); color: var(--navy-dark); }
.filter-pill.active { background: var(--navy-dark); border-color: var(--navy-dark); color: #fff; }

.blog-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.blog-card {
  display: block;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
  transition: box-shadow 0.15s, border-color 0.15s;
}
.blog-card:hover { box-shadow: var(--shadow); border-color: transparent; }

.tag {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  padding: 4px 10px;
  border-radius: 6px;
  margin-bottom: 12px;
}
.tag-cena { background: #e7f0fb; color: #1f5fa8; }
.tag-iskustva { background: var(--accent-light); color: var(--accent); }
.tag-pokrice { background: #fdf0e3; color: #b5670f; }
.tag-novosti { background: #f3e8fd; color: #7b2fc4; }

.filter-pill.tag-cena { background: #e7f0fb; color: #1f5fa8; border-color: #e7f0fb; }
.filter-pill.tag-iskustva { background: var(--accent-light); color: var(--accent); border-color: var(--accent-light); }
.filter-pill.tag-pokrice { background: #fdf0e3; color: #b5670f; border-color: #fdf0e3; }
.filter-pill.tag-novosti { background: #f3e8fd; color: #7b2fc4; border-color: #f3e8fd; }

.blog-card h3 { font-size: 18px; margin: 0 0 8px; color: var(--navy-dark); line-height: 1.35; }
.blog-meta { font-size: 12.5px; color: var(--muted); margin: 0 0 10px; }
.blog-excerpt { font-size: 14px; color: var(--muted); margin: 0; }

.blog-pagination {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 36px;
}
.page-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 36px;
  height: 36px;
  padding: 0 10px;
  border-radius: 8px;
  border: 1px solid var(--border);
  font-size: 13.5px;
  color: var(--muted);
  cursor: pointer;
}
.page-btn.active { background: var(--navy-dark); border-color: var(--navy-dark); color: #fff; }

@media (max-width: 700px) {
  .blog-list { grid-template-columns: 1fr; }
}

/* ===== ALATKA HUB ===== */
.tool-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin: 28px 0;
}
.tool-card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  display: flex;
  flex-direction: column;
}
.tool-card .tool-tag {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  padding: 4px 10px;
  border-radius: 6px;
  margin-bottom: 12px;
  background: var(--accent-light);
  color: var(--accent);
  width: fit-content;
}
.tool-card h3 { font-size: 19px; margin: 0 0 8px; color: var(--navy-dark); line-height: 1.3; }
.tool-card p { font-size: 14.5px; color: var(--muted); margin: 0 0 16px; }
.tool-card .cta-inline { margin-top: auto; align-self: flex-start; }
.tool-card .tool-related { font-size: 13px; color: var(--muted); margin-top: 12px; }
.tool-card .tool-related a { color: var(--navy); font-weight: 600; text-decoration: underline; text-decoration-color: var(--border); }
.tool-card .tool-related a:hover { color: var(--accent); }

@media (max-width: 700px) {
  .tool-grid { grid-template-columns: 1fr; }
}

/* ===== ARTIKAL / PILLAR SADRŽAJ ===== */
.article-layout { padding: 48px 0 70px; }

.toc-card {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px 30px;
  margin-bottom: 40px;
  max-width: 760px;
}
.toc-card h2 {
  margin: 0 0 14px;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--navy-dark);
}
.toc-card ol { margin: 0; padding-left: 20px; columns: 2; column-gap: 32px; }
.toc-card li { margin-bottom: 9px; font-size: 14.5px; break-inside: avoid; }
.toc-card a { color: var(--navy); font-weight: 600; }
.toc-card a:hover { color: var(--accent); }

.article-body { max-width: 760px; }
.article-body h2 {
  font-size: 25px;
  line-height: 1.3;
  color: var(--navy-dark);
  margin: 46px 0 16px;
  scroll-margin-top: 100px;
}
.article-body > h2:first-of-type { margin-top: 0; }
.article-body h3 { font-size: 18.5px; color: var(--navy-dark); margin: 26px 0 10px; }
.article-body p { margin: 0 0 16px; font-size: 16px; color: var(--ink); }
.article-body ul, .article-body ol { margin: 0 0 18px; padding-left: 22px; }
.article-body li { margin-bottom: 8px; }
.article-body a { color: var(--navy); text-decoration: underline; text-decoration-color: var(--border); font-weight: 600; }
.article-body a:hover { color: var(--accent); }

.cta-inline {
  display: inline-flex;
  margin-top: 4px;
  background: var(--accent);
  color: #fff !important;
  padding: 9px 16px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none !important;
}
.cta-inline:hover { background: #256b53; }

.cta-box {
  background: var(--navy-dark);
  border-radius: var(--radius);
  padding: 26px 28px;
  margin: 28px 0;
}
.cta-box p { color: #cdd7e3; margin: 0 0 14px; }
.cta-box a.cta-inline { background: var(--accent); }

.faq-item { border-bottom: 1px solid var(--border); padding-bottom: 18px; margin-bottom: 18px; }
.faq-item:last-child { border-bottom: none; margin-bottom: 0; }
.faq-item h3 { margin-top: 0; }
.faq-item p { margin-bottom: 0; }

.table-wrap { overflow-x: auto; margin: 8px 0 22px; max-width: 760px; }
table.insurer-table { width: 100%; border-collapse: collapse; font-size: 14.5px; }
table.insurer-table th, table.insurer-table td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--border); }
table.insurer-table th { background: var(--bg-soft); color: var(--navy-dark); font-weight: 700; }
table.insurer-table tr:hover td { background: var(--bg-soft); }

.ad-slot {
  min-height: 250px;
  max-width: 760px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--bg-soft);
  border: 1px dashed var(--border);
  border-radius: var(--radius);
  color: var(--muted);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin: 40px 0;
}

.final-links { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 20px; max-width: 760px; }
.final-links a {
  background: #fff;
  border: 1.5px solid var(--border);
  padding: 9px 16px;
  border-radius: 999px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy-dark);
  text-decoration: none;
}
.final-links a:hover { border-color: var(--accent); color: var(--accent); }

@media (max-width: 700px) {
  .toc-card ol { columns: 1; }
}

/* ===== KALKULATOR FORME ===== */
.calc-box {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  margin: 28px 0;
  max-width: 760px;
}
.calc-form .form-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-bottom: 18px;
}
.calc-form .form-group {
  display: flex;
  flex-direction: column;
}
.calc-form label {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 6px;
}
.calc-form .hint {
  font-size: 12px;
  color: var(--muted);
  margin-top: 4px;
}
.calc-form input[type="number"],
.calc-form select {
  font-family: inherit;
  font-size: 15px;
  padding: 10px 12px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
}
.calc-form input[type="number"]:focus,
.calc-form select:focus {
  outline: none;
  border-color: var(--accent);
}
.calc-form .checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 14px;
}
.calc-form .checkbox-row input[type="checkbox"] {
  margin-top: 3px;
  width: 17px;
  height: 17px;
  accent-color: var(--accent);
  flex-shrink: 0;
}
.calc-form .checkbox-row label {
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  margin: 0;
}
.calc-form .btn-calc {
  font-family: inherit;
  font-size: 15.5px;
  font-weight: 700;
  color: #fff;
  background: var(--accent);
  border: none;
  padding: 13px 26px;
  border-radius: 8px;
  cursor: pointer;
  margin-top: 6px;
}
.calc-form .btn-calc:hover { background: #256b54; }

.calc-result {
  margin-top: 22px;
  padding-top: 20px;
  border-top: 1.5px dashed var(--border);
  display: none;
}
.calc-result.is-visible { display: block; }
.calc-result .result-label {
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--muted);
  font-weight: 700;
  margin-bottom: 6px;
}
.calc-result .result-value {
  font-size: 30px;
  font-weight: 800;
  color: var(--navy-dark);
  margin-bottom: 8px;
}
.calc-result .result-value span { color: var(--accent); }
.calc-result .result-note {
  font-size: 13.5px;
  color: var(--muted);
  max-width: 620px;
}

@media (max-width: 700px) {
  .calc-form .form-row { grid-template-columns: 1fr; }
  .calc-box { padding: 20px; }
}

/* ===== KALKULATOR: STAVKE (ITEMIZOVANE VREDNOSTI) ===== */
.calc-form .form-subhead {
  font-size: 14.5px;
  font-weight: 700;
  color: var(--navy-dark);
  margin: 22px 0 12px;
  padding-top: 16px;
  border-top: 1px dashed var(--border);
}
.calc-form .form-subhead:first-child { border-top: none; padding-top: 0; margin-top: 0; }
.calc-form .item-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}
.calc-form .item-row label {
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  margin: 0;
  flex: 1;
}
.calc-form .item-row input[type="number"] {
  width: 150px;
  text-align: right;
  flex-shrink: 0;
}
.ref-hint {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 12px 14px;
  font-size: 13px;
  color: var(--muted);
  margin: 4px 0 20px;
}
.ref-hint strong { color: var(--navy-dark); }

/* ===== KALKULATOR: VIŠEREDNI REZULTAT ===== */
.calc-result .result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 12px;
  padding: 9px 0;
  border-bottom: 1px solid var(--border);
}
.calc-result .result-row:last-of-type { border-bottom: none; }
.calc-result .result-tag {
  font-size: 14px;
  color: var(--muted);
  font-weight: 600;
}
.calc-result .result-num {
  font-size: 18px;
  font-weight: 800;
  color: var(--navy-dark);
  white-space: nowrap;
}
.calc-result .result-row-total {
  margin-top: 6px;
  padding-top: 16px;
  border-top: 2px solid var(--accent-light);
}
.calc-result .result-row-total .result-tag { color: var(--navy-dark); font-weight: 700; }
.calc-result .result-row-total .result-num { color: var(--accent); font-size: 25px; }

@media (max-width: 700px) {
  .calc-form .item-row { flex-direction: column; align-items: flex-start; gap: 4px; }
  .calc-form .item-row input[type="number"] { width: 100%; text-align: left; }
}

/* ===== KALKULATOR: UPOZORENJE U REZULTATU ===== */
.calc-result .calc-warning {
  background: #fdf6e8;
  border: 1px solid #ecd8a0;
  border-radius: 8px;
  padding: 12px 14px;
  font-size: 13.5px;
  color: #7a5b12;
  margin: 4px 0 14px;
}

/* ===== SUMMARY TEXTAREA (PROMENI PONUDE) ===== */
.calc-form textarea#sazetak-output {
  width: 100%;
  font-family: inherit;
  font-size: 14px;
  line-height: 1.6;
  color: var(--ink);
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 12px 14px;
  resize: vertical;
  min-height: 90px;
}
.calc-form .summary-hint {
  font-size: 12.5px;
  color: var(--muted);
  margin-top: 6px;
}

/* ===== AGREGATOR: KARTICE OSIGURAVAČA ===== */
.insurer-cta-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 24px 0;
}
.insurer-cta-card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  display: flex;
  flex-direction: column;
  background: #fff;
}
.insurer-cta-card h3 {
  font-size: 17px;
  margin: 0 0 4px;
  color: var(--navy-dark);
}
.insurer-cta-card .insurer-product {
  font-size: 13px;
  color: var(--muted);
  margin: 0 0 14px;
}
.insurer-cta-card .cta-inline {
  margin-top: auto;
  align-self: flex-start;
}

@media (max-width: 900px) {
  .insurer-cta-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 700px) {
  .insurer-cta-grid { grid-template-columns: 1fr; }
}