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                        "body": "Finance.cz | daně, banky, kalkulačky, spoření, kurzy měn Daně a mzdy Důchody a dávky Ekonomika Kalkulačky Účty a spoření Úvěry a půjčky Spotřebitel PojiÅ¡tění Energie Firmy Investice Student Volby Kurzy Finance.cz do mailu Rejstříky Formuláře Hledat Dnes | Michal BureÅ¡ O dědictví IV: Dědit, či darovat? Dnes | Petr Gola Která důchodová změna byla nejhorší? Podívejme se na 10 nejdůležitějších Dnes | Lucie Balová Mečířová Příjmy z nájmu se musí v naprosté větÅ¡ině případů zdanit. Jak je to navíc s pojiÅ¡těním? Včera | Lucie Balová Mečířová Valorizace důchodů podle věku bude. Ale ne tak Å¡tědrá, jak se počítalo Aktuální kalkulačky Výpočet čisté mzdy 2026 Věk odchodu do důchodu Výpočet výše důchodu Zajímavé finanční produkty Nejvýhodnější spořicí účty Půjčky a úvěry Osobní účty Výhodné pojistky Novinky ze světa financí 16:58 Levná koupě iPhonu, iPadu či MacBooku? Finanční správa chystá dražbu 2000 zboží od Applu Včera Máte starý občanský průkaz? Brzy bude neplatný 16. 3. Posíláte listovní zásilky do zahraničí? Česká poÅ¡ta mění pravidla jejich obsahu 13. 3. Díky životnímu pojiÅ¡tění vám můžou na daních vrátit přes 7000 Kč Další novinky Včera | Petr Gola Kdy budete mít dluhy na zdravotním pojiÅ¡tění? Jak vysoké je penále? Dluhy Včera | Veronika Němcová Přesun některých dávek z Úřadu práce na ČSSZ se má odsunout na rok 2028 Příspěvek na péči 16. 3. 2026 | Petr Gola Co zvyÅ¡uje víc důchod? Odpracované roky nebo příjmy? Doba pojiÅ¡tění 16. 3. 2026 | Komerční sdělení Zaměstnávání brigádníků a cizinců má svá pravidla. Znáte je? Zajímavé odkazy Daňové formuláře Mzdová kalkulačka Veřejné registry Převodník měn Rodičovský příspěvek Kalkulačka superdávky Tipy redakce 23. 2. 2026 | Petr Gola Jak vysoký je důchod při celoživotní práci za minimální mzdu? 17. 2. 2026 | Lucie Balová Mečířová Vláda má v plánu zavést valorizaci důchodů podle věku 20. 2. 2026 | Michal BureÅ¡ Srovnání spořicích účtů v únoru 2026: nový král spořáků nabízí sazbu nad 5 % 16. 3. 2026 | Veronika Němcová Konec zavřených obchodů o svátcích? Opozice chce zruÅ¡it současný zákaz Obchodní firma 16. 3. 2026 | Lucie Balová Mečířová Neplatíš na dítě? Rok vězení nepodmíněně. Návrh zákona si chce posvítit na neplatiče alimentů Exekuce 13. 3. 2026 | Michal BureÅ¡ Část víkendu se přibližně polovina Čechů nedostane do bankovnictví, kdy (ne)bude mít odstávku vaÅ¡e banka?? Banky 13. 3. 2026 | Veronika Němcová Může zaměstnanec během přestávky na jídlo opustit pracoviÅ¡tě? Příjmy ze zaměstnání 13. 3. 2026 | Michal BureÅ¡ Sníží se spotřební daně na naftu a benzin? Jak by ceny PHM snížil návrh ODS? Daň z přidané hodnoty 13. 3. 2026 | Petr Gola Ve kterém roce zvyÅ¡uje průměrná mzda důchod nejvíce? Daňové přiznání 12. 3. 2026 | Lucie Balová Mečířová Prodali jste auto nebo akcie? Jak na zisky z prodeje movitých věcí nahlíží zákon o daních 12. 3. 2026 | Redakce Povinné doplňující údaje o zaměstnavateli pro účely JMHZ 12. 3. 2026 | Petr Gola Deset nerozvážností při volbě předčasného důchodu ČSSZ 11. 3. 2026 | Petr Gola Kdy bylo zdanění průměrné mzdy nejnižší? Čistá mzda Další články Dále u nás najdete Standardizace sítí 6G se soustředí na 6GHz pásmo a možnosti sdílení EET 2.0 bude…",
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                    "External evidence remained inconclusive because diversity, exact matching, or confidence was still too weak."
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                "label": "Strongest tag heuristic",
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                "tone": "good",
                "detail": "The highest raw tag match from the heuristic engine before visibility thresholds and manual overrides."
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                "label": "Trust score",
                "value": "88/100",
                "tone": "good",
                "detail": "Confidence derived from authority, crawl quality, stability, and risk signals."
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            {
                "label": "Authority score",
                "value": "59/100",
                "tone": "caution",
                "detail": "A higher authority score usually means broader reputation and backlink confidence."
            },
            {
                "label": "Spam risk",
                "value": "0/100",
                "tone": "good",
                "detail": "Lower is better. This blends spam indicators with false-positive protections for legitimate sites."
            },
            {
                "label": "Quality score",
                "value": "85/100",
                "tone": "good",
                "detail": "Based on crawl quality, content completeness, and technical evidence."
            },
            {
                "label": "Safety score",
                "value": "100/100",
                "tone": "good",
                "detail": "Higher is safer. Direct fraud signals can heavily cap this even when SEO signals look strong."
            },
            {
                "label": "Fraud score",
                "value": "0/100",
                "tone": "good",
                "detail": "Lower is better. This reflects phishing, drainer, fake-support, fake-shop, and malware signals."
            },
            {
                "label": "Infrastructure risk",
                "value": "0/100",
                "tone": "good",
                "detail": "Lower is better. This reflects the IP, registrar, and nameserver neighbourhood seen by the crawler."
            },
            {
                "label": "Evidence confidence",
                "value": "55/100",
                "tone": "caution",
                "detail": "Higher means the crawler had enough pages and registry evidence to make a stronger call."
            },
            {
                "label": "External evidence",
                "value": "Low",
                "tone": "unknown",
                "detail": "Quality of the structured search and review evidence cluster."
            },
            {
                "label": "External decision",
                "value": "Inconclusive",
                "tone": "unknown",
                "detail": "How third-party evidence compares with the current candidate tag."
            },
            {
                "label": "NSFW score",
                "value": "0/100",
                "tone": "good",
                "detail": "Context-aware adult-content detection with medical / educational false-positive reduction."
            },
            {
                "label": "Registry stability",
                "value": "100/100",
                "tone": "good",
                "detail": "Based on age, expiry runway, and the amount of ownership / registrar churn."
            }
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        "signal_sections": [
            {
                "title": "Registry & ownership",
                "items": [
                    {
                        "label": "Domain age",
                        "value": "29.2 years",
                        "tone": "good",
                        "detail": "Older domains generally carry more historical trust than very new ones."
                    },
                    {
                        "label": "Stability score",
                        "value": "100/100",
                        "tone": "good",
                        "detail": "Penalised by registrar, ownership, and nameserver churn."
                    },
                    {
                        "label": "Days to expiry",
                        "value": "176",
                        "tone": "good",
                        "detail": "Very short renewal windows can be a weak trust signal."
                    },
                    {
                        "label": "Registrar / ownership changes",
                        "value": "0 / 0",
                        "tone": "good",
                        "detail": "Frequent ownership churn can weaken trust."
                    },
                    {
                        "label": "Nameserver changes",
                        "value": "0",
                        "tone": "good",
                        "detail": "Repeated infrastructure changes can indicate instability."
                    },
                    {
                        "label": "DNSSEC / privacy",
                        "value": "DNSSEC on · privacy off",
                        "tone": "good",
                        "detail": "DNSSEC strengthens DNS trust; privacy is neutral on its own."
                    }
                ]
            },
            {
                "title": "Reputation & search evidence",
                "items": [
                    {
                        "label": "Backlinks",
                        "value": "23",
                        "tone": "caution",
                        "detail": "Broader backlink evidence usually improves confidence."
                    },
                    {
                        "label": "Referring domains",
                        "value": "23",
                        "tone": "good",
                        "detail": "Unique linking domains are more useful than raw link volume."
                    },
                    {
                        "label": "Organic keywords",
                        "value": "92",
                        "tone": "caution",
                        "detail": "Search footprint helps distinguish real sites from thin shells."
                    },
                    {
                        "label": "Indexed pages",
                        "value": "83",
                        "tone": "caution",
                        "detail": "Larger index coverage usually means more evidence to classify from."
                    },
                    {
                        "label": "Brand strength",
                        "value": "71/100",
                        "tone": "good",
                        "detail": "Stronger brand signals reduce false positives for legitimate sites."
                    },
                    {
                        "label": "Risk label",
                        "value": "GOOD",
                        "tone": "unknown",
                        "detail": "This is the raw crawl / heuristic risk label feeding the tag model."
                    }
                ]
            },
            {
                "title": "Crawl, content & technicals",
                "items": [
                    {
                        "label": "HTTP status",
                        "value": "200",
                        "tone": "good",
                        "detail": "Healthy responses make classification more reliable."
                    },
                    {
                        "label": "HTTPS / speed",
                        "value": "HTTPS OK · 520 ms",
                        "tone": "good",
                        "detail": "Slow or broken technical signals weaken confidence."
                    },
                    {
                        "label": "Content words",
                        "value": "6,642",
                        "tone": "good",
                        "detail": "Thin pages are harder to trust and easier to manipulate."
                    },
                    {
                        "label": "Schema / structure",
                        "value": "0 schema · meta · no H1",
                        "tone": "caution",
                        "detail": "Structured markup and basic on-page hygiene improve quality confidence."
                    },
                    {
                        "label": "Links on page",
                        "value": "76 internal · 25 external",
                        "tone": "good",
                        "detail": "Link patterns help detect thin directories and promo pages."
                    },
                    {
                        "label": "Page speed / mobile",
                        "value": "92/100 · 80/100",
                        "tone": "good",
                        "detail": "Better technical quality generally reduces low-effort site patterns."
                    },
                    {
                        "label": "Crawl access",
                        "value": "Open",
                        "tone": "good",
                        "detail": "The crawler reached the site without an anti-bot challenge."
                    }
                ]
            },
            {
                "title": "External evidence & explainability",
                "items": [
                    {
                        "label": "Decision state",
                        "value": "Inconclusive",
                        "tone": "unknown",
                        "detail": "Public search did not yield usable third-party matches, so the system fell back to first-party inspection only."
                    },
                    {
                        "label": "Evidence quality",
                        "value": "Low",
                        "tone": "unknown",
                        "detail": "Blends source trust, domain matching, evidence diversity, and freshness."
                    },
                    {
                        "label": "Support vs contradiction",
                        "value": "0 / 0",
                        "tone": "unknown",
                        "detail": "Compares how much structured external evidence supports the candidate tag against evidence that contradicts it."
                    },
                    {
                        "label": "Qualified risk sources",
                        "value": "No",
                        "tone": "good",
                        "detail": "Risk tags only promote from external evidence when source diversity or source trust thresholds are met."
                    },
                    {
                        "label": "Uncertainty buffer",
                        "value": "Active",
                        "tone": "caution",
                        "detail": "Prevents thin or mixed external evidence from forcing a stronger tag than the evidence can justify."
                    }
                ]
            }
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            "Established domain age: 29.2 years.",
            "Low registrar / ownership churn with solid registry stability.",
            "Healthy crawl quality and on-page completeness.",
            "DNSSEC is enabled."
        ],
        "risks": [
            "External evidence was mixed or sparse, so the tag model keeps an uncertainty buffer instead of overcommitting."
        ]
    },
    "traffic_confidence": 65,
    "whois": {
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            "id": 24908,
            "domain": "finance.cz",
            "source_type": "rdap",
            "rdap_url": "https://rdap.nic.cz/domain/finance.cz",
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            "registrar_handle": "REG-INTERNET-CZ",
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            "registrant_org": "",
            "registrant_country": "",
            "registrant_email": "",
            "abuse_email": "",
            "created_date": "1997-02-02 00:00:00",
            "updated_date": "2025-02-19 21:23:17",
            "expires_date": "2026-10-06 22:00:00",
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            "created_at": "2026-03-18 22:23:44",
            "updated_at": "2026-04-02 21:37:49"
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                "id": 25467,
                "domain": "finance.cz",
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                "registrar_name": "",
                "registrar_handle": "REG-INTERNET-CZ",
                "registrant_name": "",
                "registrant_org": "",
                "registrant_country": "",
                "registrant_email": "",
                "abuse_email": "",
                "created_date": "1997-02-02 00:00:00",
                "updated_date": "2025-02-19 21:23:17",
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                "checked_at": "2026-03-18 22:23:42",
                "change_summary": "Initial WHOIS snapshot captured.",
                "created_at": "2026-03-18 22:23:42"
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            "days_since_last_registry_update": 417,
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            "registrant_country": "",
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        "id": 165872,
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        "last_crawled_at": "2026-04-02 21:37:57",
        "last_title": "Finance.cz | daně, banky, kalkulačky, spoření, kurzy měn",
        "last_http_status": 200,
        "discovered_from_domain": "euro.cz",
        "depth": 2,
        "backlinks_count": 23,
        "rating_cache": 42,
        "spam_score": 0,
        "risk_label": "good",
        "category_name": "Business",
        "primary_country_code": "CZ",
        "internal_links_count": 76,
        "external_links_count": 25,
        "social_profiles_count": 1,
        "content_word_count": 6642,
        "title_quality_score": 93,
        "has_meta_description": 1,
        "has_h1": 0,
        "language_code": "cs",
        "response_time_ms": 520,
        "robots_status": 0,
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        "quality_score": 85,
        "site_name": "Finance.cz",
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        "noindex_detected": 0,
        "feed_links_count": 1,
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        "trust_score": 83,
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        "overall_rank_estimate": 1516873,
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        "tag_codes": "C,Uncertain",
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        "manual_tag_codes": "",
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        "legitimacy_score": 52,
        "infrastructure_risk_score": 0,
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        "tag_confidence": 27,
        "category_confidence": 23,
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        "category_candidates_json": "[{\"category\":\"Business\",\"score\":22}]",
        "page_signals_json": "[]",
        "score_reasons_json": "[\"Category confidence was reduced, so the classifier fell back to the broader parent category.\",\"Trusted status now requires clean crawl access and stronger confidence, so this result was downgraded to caution.\",\"Overall rating is now capped by evidence confidence to prevent inflated scores from thin signals.\"]",
        "route_domain": "finance.cz",
        "display_domain": "finance.cz"
    },
    "explainability": {
        "summary": "finance.cz currently scores 68/100. The score is being shaped by a mixed signal profile rather than one dominant factor. Evidence confidence is moderate, so the score should settle further after more crawl depth or registry checks. This is an estimated profile rather than a manually tracked one. Crawler access looks clean.",
        "badges": [
            {
                "label": "Profile",
                "value": "Estimated profile",
                "tone": "unknown",
                "detail": null
            },
            {
                "label": "Evidence confidence",
                "value": "Moderate confidence",
                "tone": "caution",
                "detail": "53/100"
            },
            {
                "label": "Traffic confidence",
                "value": "Solid confidence",
                "tone": "caution",
                "detail": "65/100"
            },
            {
                "label": "Crawler access",
                "value": "Clean visibility",
                "tone": "good",
                "detail": null
            }
        ],
        "weighted_contributions": [
            {
                "label": "Quality system",
                "points": "+19.0",
                "tone": "caution",
                "detail": "Technical quality, crawl depth, page structure, and implementation hygiene. Current subsystem score: 56/100."
            },
            {
                "label": "Reputation system",
                "points": "+17.3",
                "tone": "caution",
                "detail": "Authority, search visibility, reach, engagement, and registry stability. Current subsystem score: 51/100."
            },
            {
                "label": "Safety system",
                "points": "+32.0",
                "tone": "good",
                "detail": "Fraud, spam, and trust signals from infrastructure, crawl, and registry evidence. Current subsystem score: 100/100."
            }
        ],
        "evidence_cards": [
            {
                "label": "Authority and trust",
                "value": "57/100 · trust 84/100",
                "tone": "caution",
                "detail": "381 monthly visitors, 92 organic keywords, brand completeness 71/100, engagement 81/100."
            },
            {
                "label": "Backlink and search evidence",
                "value": "23 referring domains",
                "tone": "good",
                "detail": "23 backlinks across 23 referring domains. Diversity 98/100; spam penalty 0."
            },
            {
                "label": "Registry and domain stability",
                "value": "29.2 years old",
                "tone": "good",
                "detail": "Stability 100/100 · age 29.2 years · expires in 176 days."
            },
            {
                "label": "Safety and fraud posture",
                "value": "Safety 100/100 · fraud 0/100",
                "tone": "good",
                "detail": "Primary tag T · safety 100/100 · fraud 0/100."
            }
        ],
        "positives": [
            "Established domain age: 29.2 years.",
            "Low registrar / ownership churn with solid registry stability.",
            "Healthy crawl quality and on-page completeness.",
            "DNSSEC is enabled.",
            "Registry history looks stable, which supports legitimacy and trust.",
            "The domain has been registered for years, which usually improves trust confidence."
        ],
        "risks": [
            "External evidence was mixed or sparse, so the tag model keeps an uncertainty buffer instead of overcommitting."
        ],
        "freshness": [
            {
                "label": "Crawl evidence",
                "value": "2026-04-02 21:37:57",
                "tone": "risk",
                "detail": "Crawl and page content sample. Age: 10d ago."
            },
            {
                "label": "WHOIS snapshot",
                "value": "2026-04-02 21:37:49",
                "tone": "risk",
                "detail": "Registry profile and stability signals. Age: 10d ago."
            },
            {
                "label": "Keyword view",
                "value": "2026-04-13 17:55:06",
                "tone": "good",
                "detail": "Estimated visibility until tracked keyword snapshots exist. Age: 0s ago."
            },
            {
                "label": "Rank history",
                "value": "2026-04-13 17:55:06",
                "tone": "good",
                "detail": "Estimated trend derived from current profile and crawl signals. Age: 0s ago."
            },
            {
                "label": "Audience geography",
                "value": "Not captured yet",
                "tone": "unknown",
                "detail": "Audience mix is estimated from available signals rather than first-party audience logs."
            }
        ],
        "section_notes": {
            "audience": "Audience geography is estimated from category, country, traffic mix, and brand signals until first-party audience data is collected.",
            "keywords": "Top keywords are estimated from crawl language, brand, category, and visibility signals until tracked keyword snapshots are stored.",
            "history": "Rank history is estimated from the current profile because no stored history exists for this domain yet."
        },
        "base_weighted_score": 68,
        "fraud_clamp_penalty": 0,
        "final_score": 68
    },
    "insight_snapshot": {
        "version": 1,
        "generated_at": "2026-04-13T17:55:06+00:00",
        "domain": "finance.cz",
        "display_name": "Finance.cz",
        "is_tracked": false,
        "is_estimated": true,
        "overall_score": 68,
        "authority_score": 57,
        "trust_score": 84,
        "safety_score": 100,
        "fraud_score": 0,
        "confidence_score": 53,
        "traffic_confidence": 65,
        "last_crawled_at": "2026-04-02 21:37:57",
        "crawl_blocked": false,
        "summary": "finance.cz currently scores 68/100. The score is being shaped by a mixed signal profile rather than one dominant factor. Evidence confidence is moderate, so the score should settle further after more crawl depth or registry checks. This is an estimated profile rather than a manually tracked one. Crawler access looks clean.",
        "badges": [
            {
                "label": "Profile",
                "value": "Estimated profile",
                "tone": "unknown",
                "detail": null
            },
            {
                "label": "Evidence confidence",
                "value": "Moderate confidence",
                "tone": "caution",
                "detail": "53/100"
            },
            {
                "label": "Traffic confidence",
                "value": "Solid confidence",
                "tone": "caution",
                "detail": "65/100"
            },
            {
                "label": "Crawler access",
                "value": "Clean visibility",
                "tone": "good",
                "detail": null
            }
        ],
        "top_positive_signals": [
            "Established domain age: 29.2 years.",
            "Low registrar / ownership churn with solid registry stability.",
            "Healthy crawl quality and on-page completeness.",
            "DNSSEC is enabled.",
            "Registry history looks stable, which supports legitimacy and trust."
        ],
        "top_risk_signals": [
            "External evidence was mixed or sparse, so the tag model keeps an uncertainty buffer instead of overcommitting."
        ],
        "freshness": [
            {
                "label": "Crawl evidence",
                "value": "2026-04-02 21:37:57",
                "tone": "risk",
                "detail": "Crawl and page content sample. Age: 10d ago."
            },
            {
                "label": "WHOIS snapshot",
                "value": "2026-04-02 21:37:49",
                "tone": "risk",
                "detail": "Registry profile and stability signals. Age: 10d ago."
            },
            {
                "label": "Keyword view",
                "value": "2026-04-13 17:55:06",
                "tone": "good",
                "detail": "Estimated visibility until tracked keyword snapshots exist. Age: 0s ago."
            },
            {
                "label": "Rank history",
                "value": "2026-04-13 17:55:06",
                "tone": "good",
                "detail": "Estimated trend derived from current profile and crawl signals. Age: 0s ago."
            },
            {
                "label": "Audience geography",
                "value": "Not captured yet",
                "tone": "unknown",
                "detail": "Audience mix is estimated from available signals rather than first-party audience logs."
            }
        ],
        "top_tags": [
            {
                "code": "T",
                "label": "Trusted",
                "tone": "good"
            },
            {
                "code": "Uncertain",
                "label": "Uncertain",
                "tone": "unknown"
            }
        ]
    },
    "is_tracked": false,
    "is_estimated": true,
    "live_state": {
        "status": "processing",
        "status_label": "Cache build running",
        "message": "The refreshed page cache is still being built for this domain.",
        "updated_at": "2026-04-13T19:35:03+00:00"
    },
    "refresh_state": {
        "canRequest": false,
        "queued": true,
        "processing": true,
        "stageKey": "cache-queued",
        "stageLabel": "Cache build running",
        "cooldownUntil": null,
        "message": "The refreshed page cache is still being built for this domain.",
        "action": "/domain/finance.cz/refresh",
        "isGuestCooldown": false,
        "cooldownSeconds": 0
    },
    "urlscan_report": {
        "domain": "finance.cz",
        "status": "idle",
        "submitted_at": null,
        "completed_at": null,
        "last_checked_at": null,
        "last_error": "",
        "submitted_url": "https://finance.cz/",
        "uuid": "",
        "result_url": "",
        "api_result_url": "",
        "visibility": "public",
        "summary": "No urlscan.io report has been requested for this domain yet.",
        "report": [],
        "report_summary": [],
        "is_fresh": false,
        "can_retry": true,
        "poll_after_seconds": 20
    }
}