/* ==========================================================================
   P&T Money — arkusz główny
   Paleta: biel / czerń / błękit marki. Bez innych kolorów akcentu.
   ========================================================================== */

:root {
  --white: #FFFFFF;
  --paper: #F7F7F7;
  --paper-2: #F0F1FF;
  --surface: #FFFFFF;
  --ink: #090909;
  --ink-2: #171717;
  --text: #1D1D1D;
  --muted: #686868;
  --line: #E2E2E2;
  --line-soft: #EFEFEF;
  --blue: #2F3FFF;
  --blue-dark: #202DDB;
  --blue-tint: #EEF0FF;
  --error: #B42318;

  --radius: 12px;
  --radius-lg: 22px;
  --shadow-soft: 0 18px 50px rgba(9,27,39,.08);
  --shadow-card: 0 28px 80px rgba(9,27,39,.12);
  --ease: cubic-bezier(.22,.72,.16,1);
  --header-h: 80px;
  --gutter: clamp(22px, 5vw, 72px);
  --max: 1480px;

  /* Rytm pionowy sekcji — jedno miejsce do strojenia gęstości całej strony.
     Każda sekcja odmierza od niego; odstępstwa są celowe i opisane w miejscu użycia. */
  --rytm: clamp(68px, 7vw, 112px);
  /* Odstęp między nagłówkiem sekcji a jej treścią. */
  --rytm-glowy: clamp(36px, 4vw, 60px);

  --font-display: "Instrument Sans", "Helvetica Neue", Arial, sans-serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 16px);
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  background: var(--surface);
  color: var(--text);
  font-family: var(--font-body);
  /* Cała strona jedzie o stopień większą typografią — rem-y niżej skalują się
     razem z tym, więc to jest jedno miejsce do strojenia gęstości. */
  font-size: 18px;
  line-height: 1.62;
  font-feature-settings: "kern" 1, "liga" 1, "tnum" 0;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

body.menu-open, body.intro-lock { overflow: hidden; }

img, svg { max-width: 100%; display: block; }
a { color: inherit; }
button, input, select, textarea { font: inherit; color: inherit; }

::selection { background: var(--blue); color: var(--white); }

h1, h2, h3 {
  font-family: var(--font-display);
  color: var(--ink);
  font-weight: 600;
  letter-spacing: -0.028em;
  line-height: 1.04;
  margin: 0;
  text-wrap: balance;
}

h1 { font-size: clamp(2.6rem, 6.2vw, 5rem); }
h2 { font-size: clamp(2.1rem, 4.6vw, 3.7rem); }
h3 { font-size: 1.2rem; letter-spacing: -0.014em; line-height: 1.3; }

p { margin: 0; }

em { font-style: normal; color: var(--blue); }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

.skip-link {
  position: absolute; left: 16px; top: -60px; z-index: 200;
  background: var(--ink); color: var(--white);
  padding: 10px 16px; border-radius: var(--radius);
  text-decoration: none; font-weight: 600; font-size: .9rem;
  transition: top .2s var(--ease);
}
.skip-link:focus-visible { top: 14px; }

:focus-visible { outline: 2px solid var(--blue); outline-offset: 3px; border-radius: 2px; }

.container { width: 100%; max-width: var(--max); margin-inline: auto; padding-inline: var(--gutter); }

.section { padding-block: var(--rytm); }
.section--line { border-top: 1px solid var(--line); }
.section--muted { background: var(--paper); }

/* --------------------------------------------------------------------------
   Typografia pomocnicza
   -------------------------------------------------------------------------- */

.eyebrow {
  font-size: .74rem;
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 24px;
}
.eyebrow--on-dark { color: #B4B9FF; }

.section-head { max-width: min(100%, 720px); margin-bottom: var(--rytm-glowy); }
.section-lead { margin-top: 24px; color: var(--muted); font-size: 1.1rem; max-width: 54ch; }

.section-cta { margin-top: var(--rytm-glowy); }

.fineprint { font-size: .82rem; line-height: 1.58; color: var(--muted); }
.fineprint--light { color: rgba(255,255,255,.52); }
.fineprint--hero { margin-top: 26px; max-width: 78ch; }

/* --------------------------------------------------------------------------
   Przyciski
   -------------------------------------------------------------------------- */

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 54px; padding: 15px 28px;
  border: 1px solid transparent; border-radius: var(--radius);
  font-family: var(--font-body); font-size: .98rem; font-weight: 600;
  letter-spacing: -0.005em; text-decoration: none; cursor: pointer;
  transition: background-color .2s var(--ease), border-color .2s var(--ease), color .2s var(--ease), transform .2s var(--ease);
}
.btn:active { transform: translateY(1px); }
.btn--lg { min-height: 62px; padding: 18px 34px; font-size: 1.05rem; }

.btn--primary { background: var(--blue); color: var(--white); }
.btn--primary:hover { background: var(--blue-dark); }

.btn--ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--ink); background: var(--paper); }

.btn--light { background: var(--white); color: var(--ink); }
.btn--light:hover { background: var(--blue-tint); color: var(--blue-dark); }

.btn-sub { white-space: nowrap; }
@media (max-width: 480px) { .btn-sub { display: none; } }
.btn--submit { width: 100%; min-height: 64px; margin-top: 28px; font-size: 1.08rem; }

/* --------------------------------------------------------------------------
   Reveal przy przewijaniu
   -------------------------------------------------------------------------- */

.js.reveal-ready .reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
}
.js.reveal-ready .reveal.is-visible { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .js.reveal-ready .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

/* ==========================================================================
   INTRO — krótka, automatyczna kurtyna marki
   ========================================================================== */

.intro { display: none; }

.js-intro .intro {
  display: block;
  position: fixed; inset: 0; z-index: 120;
  pointer-events: auto;
}
.intro-panel {
  position: absolute; inset: 0;
  display: grid; place-items: center;
  background: var(--ink);
  color: var(--white);
  transform: translate3d(0,0,0);
  transition: transform 1.05s cubic-bezier(.76,0,.18,1);
  will-change: transform;
}
.intro-panel::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px;
  background: var(--blue); opacity: .9;
}
.intro-brand {
  display: flex; align-items: center; gap: 18px;
  opacity: 0; transform: translateY(12px);
  animation: introBrandIn .72s var(--ease) .08s forwards;
}
.intro-brand img { width: 62px; height: auto; }
.intro-brand div { display: flex; flex-direction: column; gap: 4px; }
.intro-brand strong {
  font-family: var(--font-display); font-size: clamp(1.4rem, 2.5vw, 2rem);
  letter-spacing: -.035em; font-weight: 600; line-height: 1;
}
.intro-brand span {
  font-size: .64rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase;
  color: rgba(255,255,255,.48);
}
.intro-rule {
  position: absolute; left: 50%; top: calc(50% + 72px);
  width: min(280px, 54vw); height: 1px; transform: translateX(-50%);
  background: rgba(255,255,255,.11); overflow: hidden;
}
.intro-rule i {
  display: block; width: 100%; height: 100%; background: #A9AFFF;
  transform: translateX(-105%); animation: introRule 1.1s var(--ease) .24s forwards;
}
.intro-foot {
  position: absolute; left: 50%; bottom: 34px; transform: translateX(-50%);
  width: max-content; max-width: 86vw; text-align: center;
  font-size: .65rem; letter-spacing: .18em; text-transform: uppercase;
  color: rgba(255,255,255,.34); opacity: 0; animation: introFoot .6s ease .42s forwards;
}
@keyframes introBrandIn { to { opacity: 1; transform: none; } }
@keyframes introRule { to { transform: translateX(0); } }
@keyframes introFoot { to { opacity: 1; } }

.intro.is-leaving .intro-brand,
.intro.is-leaving .intro-rule,
.intro.is-leaving .intro-foot { opacity: 0; transition: opacity .24s ease; }
.intro.is-leaving .intro-panel { transform: translate3d(0,-100%,0); }

.js-intro .site-header,
.js-intro .cta-dock,
.js-intro .mobile-bottom-bar { opacity: 0; pointer-events: none; }
.js-intro.intro-open .site-header { opacity: 1; pointer-events: auto; transition: opacity .55s var(--ease); }
.js-intro.intro-open .mobile-bottom-bar { opacity: 1; pointer-events: auto; transition: opacity .55s var(--ease); }

/* ==========================================================================
   Nagłówek
   ========================================================================== */

/* Domyślny nagłówek — biały, przyklejony. Tak wygląda na podstronach
   (polityka, regulamin, kalkulator), gdzie nad treścią nie ma ciemnego hero. */
.site-header {
  position: sticky; top: 0; z-index: 90;
  background: rgba(255,255,255,.94);
  backdrop-filter: saturate(135%) blur(16px);
  -webkit-backdrop-filter: saturate(135%) blur(16px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s var(--ease), background-color .3s var(--ease);
}
.site-header.is-compact { border-bottom-color: var(--line); }

.header-inner { min-height: var(--header-h); display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.brand img { height: 30px; width: auto; }

.desktop-nav { display: none; gap: 30px; }
.desktop-nav a {
  position: relative;
  font-size: .88rem; font-weight: 500; color: var(--text); text-decoration: none;
  padding-block: 6px;
  transition: color .3s var(--ease);
}
.desktop-nav a::after {
  content: ""; position: absolute; left: 0; right: 100%; bottom: 0; height: 1px;
  background: currentColor; transition: right .3s var(--ease);
}
.desktop-nav a:hover { color: var(--ink); }
.desktop-nav a:hover::after { right: 0; }

.header-actions { display: flex; align-items: center; gap: 14px; }
.header-phone {
  display: none; font-size: .85rem; font-weight: 600; text-decoration: none;
  letter-spacing: -0.01em; color: var(--text); transition: color .3s var(--ease);
}
.header-phone:hover { color: var(--blue); }
.btn--header { display: none; min-height: 42px; padding: 11px 18px; font-size: .85rem; }

/* --------------------------------------------------------------------------
   Wariant „na hero” — tylko strona główna (klasa site-header--overlay).
   Nagłówek leży przezroczysty na pełnoekranowym zdjęciu i zestala się dopiero,
   gdy strona odjedzie od góry (klasa .is-compact dokładana przez main.js).

   Zdjęcie hero jest ciemne u góry, więc treść nagłówka jest jasna, dopóki
   pasek nie zestali się w biel.
   -------------------------------------------------------------------------- */
.site-header--overlay {
  position: fixed; top: 0; left: 0; right: 0;
  background: transparent;
  backdrop-filter: none; -webkit-backdrop-filter: none;
  transition: border-color .3s var(--ease), background-color .3s var(--ease), backdrop-filter .3s var(--ease);
}
.site-header--overlay.is-compact {
  background: rgba(255,255,255,.94);
  backdrop-filter: saturate(135%) blur(16px);
  -webkit-backdrop-filter: saturate(135%) blur(16px);
}

/* Zamiana znaku jasny/ciemny bez migotania: oba leżą na sobie, przełącza opacity. */
.site-header--overlay .brand { position: relative; display: block; line-height: 0; }
.site-header--overlay .brand-logo { height: 30px; width: auto; transition: opacity .3s var(--ease); }
.site-header--overlay .brand-logo--dark { position: absolute; inset: 0; opacity: 0; }
.site-header--overlay.is-compact .brand-logo--light { opacity: 0; }
.site-header--overlay.is-compact .brand-logo--dark { opacity: 1; }

.site-header--overlay:not(.is-compact) .desktop-nav a { color: rgba(255,255,255,.84); }
.site-header--overlay:not(.is-compact) .desktop-nav a:hover { color: var(--white); }
.site-header--overlay:not(.is-compact) .header-phone { color: var(--white); }
.site-header--overlay:not(.is-compact) .header-phone:hover { color: #C2C6FF; }
.site-header--overlay:not(.is-compact) .btn--header {
  background: rgba(255,255,255,.12); color: var(--white);
  border-color: rgba(255,255,255,.36);
  backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
}
.site-header--overlay:not(.is-compact) .btn--header:hover { background: var(--white); color: var(--ink); border-color: var(--white); }
.site-header--overlay:not(.is-compact) .menu-toggle { background: rgba(255,255,255,.12); border-color: rgba(255,255,255,.32); }
.site-header--overlay:not(.is-compact) .menu-toggle span { background: var(--white); }
/* Otwarte menu mobilne kładzie pod paskiem biel — znak musi wtedy być ciemny. */
.site-header--overlay:has(#menuToggle[aria-expanded="true"]) .brand-logo--light { opacity: 0; }
.site-header--overlay:has(#menuToggle[aria-expanded="true"]) .brand-logo--dark { opacity: 1; }
.site-header--overlay:has(#menuToggle[aria-expanded="true"]) .menu-toggle span { background: var(--ink); }
.site-header--overlay:has(#menuToggle[aria-expanded="true"]) .header-phone { color: var(--text); }

/* Pasek postępu czytania — 2 px na dolnej krawędzi nagłówka. */
.scroll-progress {
  position: absolute; left: 0; bottom: -1px; height: 2px; width: 100%;
  transform: scaleX(var(--progress, 0)); transform-origin: 0 50%;
  background: var(--blue);
  opacity: 0; transition: opacity .3s var(--ease);
}
.site-header.is-compact .scroll-progress { opacity: 1; }

.menu-toggle {
  display: inline-flex; flex-direction: column; justify-content: center; gap: 5px;
  width: 42px; height: 42px; padding: 0 11px;
  border: 1px solid var(--line); border-radius: var(--radius);
  background: var(--white); cursor: pointer;
}
.menu-toggle span { height: 1.5px; background: var(--ink); transition: transform .22s var(--ease), opacity .22s var(--ease); }
/* Na przezroczystym nagłówku sam przycisk zostaje ciemny (hero jest jasne),
   ale jego biała plomba zniknęłaby w zdjęciu — stąd półprzezroczyste tło. */
.site-header--overlay:not(.is-compact) .menu-toggle { background: rgba(255,255,255,.72); border-color: rgba(11,20,28,.14); }
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

/* Otwarte menu mobilne zawsze na białym — inaczej pasek nad nim zostaje przezroczysty. */
.site-header--overlay:has(#menuToggle[aria-expanded="true"]) {
  background: var(--white);
  border-bottom-color: var(--line);
}
.site-header--overlay:has(#menuToggle[aria-expanded="true"]) .menu-toggle { background: var(--white); border-color: var(--line); }

.mobile-nav { background: var(--white); border-top: 1px solid var(--line); }
.mobile-nav-inner { display: flex; flex-direction: column; padding-block: 8px 20px; }
.mobile-nav a { padding: 14px 2px; border-bottom: 1px solid var(--line-soft); font-weight: 600; text-decoration: none; }
.mobile-nav a:last-child { border-bottom: 0; color: var(--blue); }

@media (min-width: 900px) {
  .desktop-nav { display: flex; }
  .btn--header { display: inline-flex; }
  .menu-toggle { display: none; }
  .mobile-nav { display: none !important; }
}
/* Sześć pozycji menu plus numer telefonu nie mieszczą się w jednym wierszu
   poniżej ~1200 px — linki zawijały się na dwa wiersze i rozpychały nagłówek.
   Do tej szerokości ciaśniejsze odstępy, numer dochodzi dopiero powyżej
   (na telefonie i tak jest w menu oraz w dolnym pasku). */
@media (min-width: 900px) and (max-width: 1199px) {
  .desktop-nav { gap: 22px; }
}
@media (min-width: 1200px) {
  .header-phone { display: inline-flex; }
}

/* ==========================================================================
   Hero — bardziej naturalny, mniej „AI”, z pełnym obrazem w tle
   ========================================================================== */

/* Hero zajmuje całe okno. Zdjęcie jest tłem sekcji (nie osobnej „sceny”),
   nagłówek leży na nim przezroczysty.

   Kadr jest ZASTAWIONY na całej szerokości — nie ma na nim pustego pola,
   więc tekst nie może leżeć bezpośrednio na zdjęciu. Pomiar na kompozycji
   1280x800: żeby biała typografia w lewym dolnym rogu przeszła próg 4,5:1,
   trzeba zdjęciu zabrać 55–66% jasności. To gasi kubek, notes i laptopa
   ze znakiem, czyli wszystko, po co to zdjęcie powstało.

   Dlatego napisy siedzą we WŁASNYM PANELU w lewym dolnym rogu, a zdjęcie
   zostaje w pełnej jasności. Kontrast bieli na panelu to ok. 15:1 i nie
   zależy od tego, co akurat wypadnie pod spodem przy danym kadrowaniu. */
.hero {
  position: relative;
  min-height: 100svh;
  display: flex; flex-direction: column;
  overflow: clip;
  background: var(--ink);
  color: var(--white);
  padding: 0;
}
.hero-media,
.hero-media img {
  position: absolute; inset: 0; width: 100%; height: 100%;
}
.hero-media img {
  object-fit: cover;
  object-position: 58% center;
}
/* Zaciemnienie zakotwiczone w LEWYM DOLNYM ROGU — elipsa, nie pas. Gaśnie
   promieniście, więc prawa strona kadru (laptop ze znakiem, widok z okna)
   zostaje w pełnej jasności, a ciemno robi się dokładnie tam, gdzie leżą napisy.
   Wartości dobrane pomiarem: przy tym ustawieniu biały tekst trzyma próg
   WCAG AA w całej swojej strefie. */
.hero-shade {
  position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background:
    radial-gradient(120% 105% at 0% 100%,
      rgba(6,12,18,.94) 0%,
      rgba(6,12,18,.9) 22%,
      rgba(6,12,18,.74) 40%,
      rgba(6,12,18,.44) 58%,
      rgba(6,12,18,.16) 74%,
      rgba(6,12,18,0) 88%),
    /* przygaszenie górnej krawędzi pod przezroczysty nagłówek */
    linear-gradient(180deg, rgba(6,12,18,.5) 0%, rgba(6,12,18,.16) 12%, rgba(6,12,18,0) 26%);
}
.hero-main {
  position: relative; z-index: 2;
  flex: 1;
  /* flex-end zamiast center: napisy lądują przy dolnej krawędzi. */
  display: flex; align-items: flex-end;
  padding-top: var(--header-h);
}
/* Napisy leżą wprost na zdjęciu — bez ramki i bez płyty. Czytelność robi
   elipsa w .hero-shade. Blok jest dosunięty do samego narożnika: margines
   dolny i boczny są mniejsze niż standardowy rytm strony, bo tu chodzi
   o zakotwiczenie w rogu, a nie o wyrównanie do siatki sekcji. */
/* Hero wychodzi poza siatkę sekcji: max-width kontenera zostawiałby napisy
   250 px od krawędzi na szerokim ekranie, a mają siedzieć w samym rogu. */
.hero-main { padding-inline: 0; max-width: none; }
.hero-copy {
  width: 100%;
  max-width: min(94vw, 980px);
  padding: 0 var(--gutter) clamp(32px, 4vh, 52px) clamp(24px, 3.6vw, 52px);
}
.hero .eyebrow { color: #C2C6FF; margin-bottom: 26px; }
/* Nagłówek jest dwuwersowy, więc miarą nie jest już najdłuższe słowo, tylko
   najdłuższy WERS: „Finansowanie dopasowane”. Zajmuje ok. 11,2 × font-size,
   a .hero-line (overflow: hidden) nie zawija, tylko tnie — dlatego górna
   granica rozmiaru musi zostawiać zapas względem szerokości kolumny.
   Po zmianie treści nagłówka sprawdź to ponownie przy 1440 i przy 1920. */
.hero-copy h1 {
  color: var(--white);
  margin-bottom: 24px;
  font-size: clamp(2rem, 4vw, 4.05rem);
  font-weight: 500;
  line-height: 1;
  letter-spacing: -.045em;
  max-width: none;
  text-wrap: initial;
  text-shadow: 0 2px 26px rgba(6,12,18,.5);
}
.hero-copy h1 em { color: #C2C6FF; }
.hero-lead {
  max-width: 46ch;
  font-size: clamp(1.05rem, 1.25vw, 1.22rem);
  line-height: 1.66;
  color: rgba(255,255,255,.86);
  text-shadow: 0 1px 18px rgba(6,12,18,.55);
}
.hero-line { display: block; overflow: hidden; padding-bottom: .09em; margin-bottom: -.09em; }
.hero-line > span { display: block; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 34px; }
/* Biały przycisk główny: na ciemnym klinie granatowy zlewałby się z tłem. */
.hero .btn--primary { background: var(--white); color: var(--ink); border-color: var(--white); }
.hero .btn--primary:hover { background: #F2F3FF; border-color: #F2F3FF; }
.hero .btn--ghost { color: var(--white); border-color: rgba(255,255,255,.3); background: rgba(255,255,255,.04); }
.hero .btn--ghost:hover { border-color: rgba(255,255,255,.62); background: rgba(255,255,255,.1); }


@media (max-width: 899px) {
  /* Na wąskim ekranie kadr tnie się mocno w pionie. 38% trzyma w kadrze kubek,
     notes i widok z okna — czyli to, po co to zdjęcie w ogóle jest. */
  .hero-media img { object-position: 72% center; }
  .hero-copy { max-width: 100%; padding: 0 var(--gutter) clamp(28px, 4vh, 44px) var(--gutter); }
  /* Na wąskim ekranie elipsa z rogu nie obejmie całej szerokości napisów,
     więc dokładamy do niej klin od dołu. */
  .hero-shade {
    background:
      radial-gradient(150% 90% at 0% 100%, rgba(6,12,18,.94) 0%, rgba(6,12,18,.82) 34%, rgba(6,12,18,.5) 60%, rgba(6,12,18,0) 88%),
      linear-gradient(0deg, rgba(6,12,18,.9) 0%, rgba(6,12,18,.6) 32%, rgba(6,12,18,.2) 58%, rgba(6,12,18,0) 78%),
      linear-gradient(180deg, rgba(6,12,18,.5) 0%, rgba(6,12,18,0) 24%);
  }
  /* Dwa zabezpieczenia przed ucięciem „Finansowanie” przez maskę .hero-line
     (overflow: hidden — ona nie zawija, tylko tnie):
     1. dolna granica rozmiaru schodzi razem z szerokością okna,
     2. max-width znika, więc granicą jest kontener, a nie 9ch. Przy 9ch zapas
        wynosił 7 px i zjadłby go pierwszy lepszy font zastępczy (Arial),
        gdyby Google Fonts nie doszło. */
  .hero-copy h1 { font-size: clamp(2.1rem, 11.5vw, 5rem); max-width: none; }
  .hero-lead { max-width: 36ch; }
  /* Pasek CTA przyklejony do dołu zasłaniałby ostatnią linijkę hero. */
  .hero-copy { padding-bottom: calc(96px + env(safe-area-inset-bottom)); }
}
@media (max-width: 560px) {
  .hide-sm { display: none; }
}

/* Niskie telefony (iPhone SE i podobne): przy domyślnych odstępach hero
   przelewało się o kilkadziesiąt pikseli poza ekran i „pełny ekran” przestawał
   być pełnym ekranem. Ścieśniamy odstępy zamiast zmniejszać typografię. */
@media (max-width: 899px) and (max-height: 700px) {
  .hero-copy { padding-bottom: calc(76px + env(safe-area-inset-bottom)); }
  .hero .eyebrow { margin-bottom: 16px; }
  .hero-copy h1 { margin-bottom: 16px; }
  .hero-actions { margin-top: 24px; }
}


/* --------------------------------------------------------------------------
   Zdjęcia doradców / portrety — wspólne style poza hero
   -------------------------------------------------------------------------- */
.portrait {
  position: relative;
  margin: 0;
  background: var(--paper-2);
  overflow: hidden;
  border-radius: var(--radius-lg);
  aspect-ratio: 4 / 5;
  isolation: isolate;
}
.portrait img[data-portrait] {
  position: relative;
  z-index: 1;
  width: 100%;
  height: 100%;
  object-fit: cover;
  /* Plik jest już przycięty do 4:5, więc kadrowanie w przeglądarce ma tu nic
     nie robić — wcześniejsze 50% 22% ucinało sylwetkę drugi raz. */
  object-position: 50% 50%;
}
.portrait.is-missing img[data-portrait] { display: none; }

.portrait-fallback {
  position: absolute;
  inset: 0;
  z-index: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  background: var(--paper-2);
  color: var(--muted);
  font-size: .74rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  font-weight: 600;
}
.portrait-fallback img {
  width: 54px;
  height: auto;
  opacity: .28;
}

/* --------------------------------------------------------------------------
   Podgląd raty — pierwszy przystanek po hero. Sam suwak, bez nagłówka
   na pół ekranu: to ma być rzecz do ruszenia, a nie deklaracja.
   -------------------------------------------------------------------------- */
/* Jedyne celowe odstępstwo od rytmu: pasek raty ma trzymać się hero,
   więc od góry dostaje niecałe dwie trzecie odstępu. Od dołu pełny. */
.rate-section { padding-block: var(--rytm); background: var(--paper); }

/* Pasek raty — poziomy, techniczny: nagłówek, dwa suwaki, wynik i wyjście.
   Na szerokim ekranie wszystko w jednym rzędzie, żeby czytało się jak przyrząd,
   a nie jak kolejny kafel z treścią. */
.rate-bar {
  position: relative; z-index: 4;
  display: grid; gap: 24px; padding: 26px;
  background: var(--white); color: var(--ink);
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: 0 18px 50px rgba(19,38,52,.07);
}
.rate-bar-note { margin-top: 10px; font-size: .92rem; color: var(--muted); letter-spacing: 0; text-transform: none; font-weight: 400; }
.rate-bar-head { padding-bottom: 22px; border-bottom: 1px solid var(--line-soft); }
.rate-bar-kicker {
  display: flex; flex-direction: column; gap: 8px;
  font-size: .78rem; font-weight: 600; letter-spacing: .15em; text-transform: uppercase; color: var(--muted);
}
.rate-bar-kicker span { color: var(--ink); letter-spacing: .09em; font-size: .92rem; }
.rate-bar-controls { display: grid; gap: 24px; }
.rate-bar-out { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; }
.rate-bar-out > span { font-size: .92rem; color: var(--muted); white-space: nowrap; }
/* Liczby nie mogą zawijać ani przesuwać sąsiadów przy zmianie długości. */
.rate-bar-out strong, .rate-bar .range-label output { white-space: nowrap; }

/* Suwaki w tym pasku są grubsze niż w kalkulatorze — to główne narzędzie
   na stronie i ma się dać złapać bez celowania. */
.rate-bar .range-label { margin-bottom: 14px; }
.rate-bar .range-label label { font-size: .95rem; }
.rate-bar .range-label output { font-size: 1.24rem; }
.rate-bar input[type="range"] { height: 30px; }
.rate-bar input[type="range"]::-webkit-slider-runnable-track { height: 5px; }
.rate-bar input[type="range"]::-moz-range-track { height: 5px; }
.rate-bar input[type="range"]::-moz-range-progress { height: 5px; }
.rate-bar input[type="range"]::-webkit-slider-thumb { width: 26px; height: 26px; margin-top: -10.5px; border-width: 2px; }
.rate-bar input[type="range"]::-moz-range-thumb { width: 26px; height: 26px; border-width: 2px; }
.rate-bar-out strong { font-family: var(--font-display); font-size: clamp(2.4rem, 4vw, 3.4rem); font-weight: 600; letter-spacing: -.04em; color: var(--ink); font-variant-numeric: tabular-nums; }
.rate-bar-out small { font-size: .82rem; font-weight: 500; color: var(--muted); letter-spacing: 0; }
.rate-bar-cta {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 58px; padding: 16px 30px;
  background: var(--blue); color: var(--white); border-radius: var(--radius); font-size: 1rem; font-weight: 600; text-decoration: none;
  transition: background-color .2s var(--ease), transform .2s var(--ease);
}
.rate-bar-cta:hover { background: var(--blue-dark); transform: translateY(-1px); }
.rate-bar-cta svg { width: 19px; height: 19px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.rate-bar-out { padding-top: 22px; border-top: 1px solid var(--line-soft); }

@media (min-width: 560px) {
  .rate-bar { padding: 38px 42px; gap: 32px; }
  /* minmax(0, 1fr), nie 1fr: samo „1fr” ma minimum auto, więc dłuższa wartość
     („150 000 zł”) rozpychała swoją komórkę i suwaki zmieniały szerokość
     w trakcie przeciągania. */
  .rate-bar-controls { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 40px; align-items: start; }
  /* Reguła .range-field + .range-field { margin-top } jest pomyślana dla układu
     pionowego (kalkulator). Tutaj suwaki stoją obok siebie, więc ten margines
     spychał drugi o 18 px w dół i oba rzędy się rozjeżdżały. */
  .rate-bar-controls .range-field + .range-field { margin-top: 0; }
}
/* Powyżej 1180 px całość układa się w jeden rząd: opis | suwaki | wynik | wyjście.
   Wtedy kreski poziome znikają, bo rozdzielenie robią już kolumny. */
@media (min-width: 1180px) {
  /* Kolumny są SZTYWNE, nie auto. Przy „auto” każda zmiana liczby (759 -> 2126,
     30 000 zł -> 84 000 zł) zmieniała szerokość kolumny, a przez to szerokość
     suwaków — układ drgał przy każdym ruchu uchwytu. To był ten „lag”. */
  .rate-bar {
    grid-template-columns: 190px minmax(380px, 1fr) 180px auto;
    align-items: center; gap: 24px; padding: 38px 40px;
  }
  .rate-bar-controls { gap: 56px; }
  /* Kolumna wyjścia jest „auto”, ale jej treść się nie zmienia, więc nie drga. */
  .rate-bar-cta { white-space: nowrap; }
  .rate-bar-head { padding-bottom: 0; border-bottom: 0; }
  .rate-bar-out {
    flex-direction: column; align-items: flex-end; gap: 4px;
    padding-top: 0; padding-left: 28px;
    border-top: 0; border-left: 1px solid var(--line-soft);
    align-self: stretch; justify-content: center;
  }
  .rate-bar-cta { min-height: 62px; padding: 16px 24px; font-size: .94rem; }
}


/* Wejście hero — wyłącznie transform + opacity, płynne również na słabszym sprzęcie. */
.hero-armed .hero [data-hero-in] { opacity: 0; transform: translateY(22px); }
.hero-armed .hero [data-hero-line] > span { transform: translateY(108%); }
.hero-armed .hero [data-hero-wipe] { clip-path: inset(0 0 100% 0); }
.hero-armed .hero [data-hero-wipe] img { transform: scale(1.04); }
.hero.is-in [data-hero-in] { opacity: 1; transform: none; transition: opacity .75s var(--ease) var(--d,0s), transform .75s var(--ease) var(--d,0s); }
.hero.is-in [data-hero-line] > span { transform: none; transition: transform .9s var(--ease) var(--d,0s); }
.hero.is-in [data-hero-wipe] { clip-path: inset(0); transition: clip-path 1s var(--ease) var(--d,0s); }
.hero.is-in [data-hero-wipe] img { transform: none; transition: transform 1.25s var(--ease) var(--d,0s); }
.hero.is-settled [data-hero-wipe] img { transition: none; }
@media (prefers-reduced-motion: reduce) {
  .hero-armed .hero [data-hero-in], .hero-armed .hero [data-hero-line] > span { opacity: 1; transform: none; }
  .hero-armed .hero [data-hero-wipe] { clip-path: none; }
  .hero-armed .hero [data-hero-wipe] img { transform: none; }
}

/* Suwaki */
.range-field + .range-field { margin-top: 18px; }
.range-label { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; margin-bottom: 9px; }
.range-label label { font-size: .82rem; font-weight: 500; color: var(--muted); }
.range-label output { font-size: .92rem; font-weight: 600; font-variant-numeric: tabular-nums; }
.range-field--dark .range-label label { color: rgba(255,255,255,.6); }
.range-field--dark .range-label output { color: var(--white); }

.range-minmax { display: flex; justify-content: space-between; margin-top: 7px; font-size: .7rem; color: var(--muted); }
.range-field--dark .range-minmax { color: rgba(255,255,255,.38); }

input[type="range"] {
  --range-progress: 0%;
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 22px; background: transparent; cursor: pointer; margin: 0;
}
input[type="range"]::-webkit-slider-runnable-track {
  height: 3px; border-radius: 999px;
  background: linear-gradient(to right, var(--blue) var(--range-progress), var(--line) var(--range-progress));
}
input[type="range"]::-moz-range-track { height: 3px; border-radius: 999px; background: var(--line); }
input[type="range"]::-moz-range-progress { height: 3px; border-radius: 999px; background: var(--blue); }
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 18px; height: 18px; margin-top: -7.5px;
  border-radius: 50%; background: var(--white); border: 1.5px solid var(--blue);
  box-shadow: 0 1px 4px rgba(8,9,11,.18);
  transition: transform .15s var(--ease);
}
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--white); border: 1.5px solid var(--blue); box-shadow: 0 1px 4px rgba(8,9,11,.18);
}
input[type="range"]:hover::-webkit-slider-thumb { transform: scale(1.12); }
.range-field--dark input[type="range"]::-webkit-slider-runnable-track {
  background: linear-gradient(to right, var(--white) var(--range-progress), rgba(255,255,255,.16) var(--range-progress));
}
.range-field--dark input[type="range"]::-moz-range-track { background: rgba(255,255,255,.16); }
.range-field--dark input[type="range"]::-moz-range-progress { background: var(--white); }
.range-field--dark input[type="range"]::-webkit-slider-thumb { border-color: var(--white); background: var(--ink); }
.range-field--dark input[type="range"]::-moz-range-thumb { border-color: var(--white); background: var(--ink); }


/* ==========================================================================
   Produkty
   ========================================================================== */

.product-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line); }

.product-row {
  position: relative;
  display: grid;
  grid-template-columns: auto 1fr auto;
  grid-template-areas:
    "idx main go"
    "icon desc desc";
  align-items: center;
  gap: 6px 18px;
  padding: 26px 0;
  border-bottom: 1px solid var(--line-soft);
  transition: padding-inline .35s var(--ease);
}
.product-idx {
  grid-area: idx;
  font-family: var(--font-display); font-size: .78rem; font-weight: 600;
  letter-spacing: .06em; color: var(--muted);
  transition: color .25s var(--ease);
}
.product-icon { grid-area: icon; display: none; }
.product-icon svg { width: 22px; height: 22px; fill: none; stroke: var(--blue); stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.product-main { grid-area: main; display: block; }
.product-title {
  font-family: var(--font-display); font-size: clamp(1.3rem, 2.6vw, 1.9rem);
  font-weight: 600; letter-spacing: -0.03em; color: var(--ink); line-height: 1.1;
}
.product-tag {
  display: block; margin-top: 6px;
  font-size: .66rem; font-weight: 600; letter-spacing: .13em; text-transform: uppercase;
  color: var(--muted);
}
.product-desc { grid-area: desc; font-size: .93rem; color: var(--muted); max-width: 58ch; }
.product-go {
  grid-area: go;
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; flex: none; gap: 8px;
  border: 1px solid var(--line); border-radius: 999px;
  background: var(--white); text-decoration: none;
  transition: background-color .25s var(--ease), border-color .25s var(--ease), transform .25s var(--ease);
}
.product-go::before { content: "Sprawdź"; display: none; font-size: .78rem; font-weight: 600; }
.product-go svg { width: 18px; height: 18px; fill: none; stroke: var(--ink); stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; transition: stroke .25s var(--ease); }

.product-row::before {
  content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 1px;
  background: var(--blue); transform: scaleX(0); transform-origin: left;
  transition: transform .45s var(--ease);
}
.product-row:hover::before, .product-row:focus-within::before { transform: scaleX(1); }
.product-row:hover .product-idx, .product-row:focus-within .product-idx { color: var(--blue); }
.product-row:hover .product-go, .product-row:focus-within .product-go { background: var(--blue); border-color: var(--blue); transform: translateX(4px); }
.product-row:hover .product-go svg, .product-row:focus-within .product-go svg { stroke: var(--white); }

@media (min-width: 860px) {
  .product-row {
    grid-template-columns: 58px 34px minmax(220px, 1fr) minmax(0, 1.15fr) auto;
    grid-template-areas: "idx icon main desc go";
    gap: 0 26px;
    padding: 30px 0;
  }
  .product-icon { display: block; }
  .product-go { width: auto; padding-inline: 15px; }
  .product-go::before { display: inline; }
}

/* ==========================================================================
   Kalkulator
   ========================================================================== */

.calc-section { background: var(--ink); color: var(--white); }
.calc-grid { display: grid; gap: clamp(40px, 5vw, 72px); align-items: start; }
.calc-copy h2 { color: var(--white); margin-bottom: 20px; }
.calc-copy > p { color: rgba(255,255,255,.6); max-width: 46ch; }

.calc-out { margin: 40px 0 32px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.14); }
.calc-out-label { font-size: .74rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.45); }
.calc-out > strong {
  display: block; margin-top: 12px;
  font-family: var(--font-display); font-size: clamp(2.8rem, 6.4vw, 4.4rem);
  font-weight: 600; letter-spacing: -0.045em; line-height: 1;
  font-variant-numeric: tabular-nums;
}
.calc-out > strong small { font-size: .9rem; font-weight: 500; letter-spacing: -0.01em; color: rgba(255,255,255,.5); }

.calc-sub { display: flex; flex-wrap: wrap; gap: 12px 44px; margin: 30px 0 0; }
.calc-sub div { display: flex; flex-direction: column; gap: 4px; }
.calc-sub dt { font-size: .76rem; color: rgba(255,255,255,.5); }
.calc-sub dd { margin: 0; font-size: 1.06rem; font-weight: 600; font-variant-numeric: tabular-nums; }

.calc-panel {
  background: rgba(255,255,255,.045);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: clamp(24px, 3vw, 34px);
}
.calc-panel .range-field + .range-field { margin-top: 26px; }
.calc-panel .fineprint { margin-top: 28px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.1); }

@media (min-width: 900px) { .calc-grid { grid-template-columns: 1fr 1fr; } }

/* ==========================================================================
   Proces
   ========================================================================== */

/* Trzy kafle zamiast trzech kolumn tekstu. Każdy niesie numer, czas trwania
   i podział ról — to one robią różnicę między instrukcją a listą haseł.
   Ostatni jest ciemny: domyka ścieżkę i wyprowadza do formularza. */
.steps {
  list-style: none; margin: 0; padding: 0;
  display: grid; gap: 20px;
}
.step-card {
  display: flex; flex-direction: column;
  padding: clamp(28px, 3vw, 40px);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  transition: border-color .25s var(--ease), transform .25s var(--ease), box-shadow .25s var(--ease);
}
.step-card:hover {
  border-color: #D7D9FF;
  transform: translateY(-3px);
  box-shadow: 0 18px 44px rgba(19,38,52,.08);
}
.step-card-top {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding-bottom: 22px; margin-bottom: 24px;
  border-bottom: 1px solid var(--line-soft);
}
.step-num {
  font-family: var(--font-display); font-size: 1.5rem; font-weight: 600;
  letter-spacing: -.03em; color: var(--blue); font-variant-numeric: tabular-nums;
}
.step-time {
  font-size: .72rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase;
  color: var(--muted);
  padding: 6px 12px; border: 1px solid var(--line); border-radius: 999px;
}
.step-card h3 { margin-bottom: 12px; }
.step-card > p { color: var(--muted); font-size: .98rem; line-height: 1.6; }

/* Kto co robi na tym kroku — jedyna linijka, która różni te kafle od siebie
   merytorycznie, więc dostaje własne wyróżnienie. */
.step-who {
  margin-top: auto; padding-top: 24px;
  font-size: .88rem; color: var(--muted);
}
.step-who span { font-weight: 600; color: var(--ink); }

.step-card--last { background: var(--ink); border-color: var(--ink); color: rgba(255,255,255,.72); }
.step-card--last:hover { border-color: var(--ink-2); }
.step-card--last h3 { color: var(--white); }
.step-card--last > p { color: rgba(255,255,255,.66); }
.step-card--last .step-card-top { border-bottom-color: rgba(255,255,255,.16); }
.step-card--last .step-num { color: #C2C6FF; }
.step-card--last .step-time { color: rgba(255,255,255,.62); border-color: rgba(255,255,255,.2); }
.step-card--last .step-who { color: rgba(255,255,255,.66); }
.step-card--last .step-who span { color: var(--white); }

.step-cta {
  display: inline-flex; align-items: center; gap: 10px;
  margin-top: 22px; padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,.16);
  font-size: .95rem; font-weight: 600; color: var(--white); text-decoration: none;
}
.step-cta svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: transform .25s var(--ease); }
.step-cta:hover svg { transform: translateX(4px); }

@media (min-width: 900px) { .steps { grid-template-columns: repeat(3, 1fr); gap: 24px; } }

/* ==========================================================================
   Doradca
   ========================================================================== */

.advisor-grid { display: grid; gap: clamp(36px, 4.5vw, 72px); align-items: start; }

/* Lewa kolumna: zdjęcie, podpis i przyciski jako jeden blok — tożsamość
   trzyma się twarzy zamiast wisieć w kolumnie obok. */
.advisor-side { display: flex; flex-direction: column; }
/* Portret ma tę samą proporcję co plik (4:5), więc nic się nie przycina. */
.portrait--advisor { max-width: 460px; border-radius: var(--radius-lg); }
.advisor-meta {
  display: flex; flex-direction: column; gap: 5px;
  margin-top: 26px; padding-top: 24px;
  border-top: 2px solid var(--ink);
  max-width: 460px;
}
.advisor-meta strong { font-size: 1.15rem; font-weight: 600; color: var(--ink); }
.advisor-meta span { font-size: .92rem; color: var(--muted); }
.advisor-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.advisor .btn--ghost { background: var(--white); }

.advisor-copy { max-width: min(100%, 700px); }
.advisor-copy h2 { margin-bottom: clamp(28px, 3vw, 40px); }
.advisor-quote { margin: 0 0 clamp(36px, 4vw, 52px); padding-left: clamp(20px, 2.4vw, 32px); border-left: 3px solid var(--blue); }
.advisor-quote p {
  font-family: var(--font-display);
  font-size: clamp(1.4rem, 2.4vw, 2.05rem);
  font-weight: 500; line-height: 1.24; letter-spacing: -0.03em; color: var(--ink);
  text-wrap: balance;
}

/* Cztery konkrety — ponumerowane, jeden pod drugim przez całą szerokość
   kolumny. Wcześniej stały w siatce 2x2 i czytały się jak kafelki cech,
   a to jest kolejność działań. */
.advisor-duties {
  list-style: none; margin: 0; padding: 0;
  border-top: 1px solid var(--line);
}
.advisor-duties li {
  display: flex; align-items: baseline; gap: clamp(18px, 2vw, 28px);
  padding: 22px 0;
  border-bottom: 1px solid var(--line);
}
.duty-num {
  flex: none;
  font-family: var(--font-display); font-size: .88rem; font-weight: 600;
  letter-spacing: .04em; color: var(--blue); font-variant-numeric: tabular-nums;
}
.advisor-duties strong { display: block; font-size: 1.05rem; font-weight: 600; color: var(--ink); margin-bottom: 4px; }
.advisor-duties div > span { display: block; font-size: .95rem; line-height: 1.55; color: var(--muted); }

@media (min-width: 960px) {
  .advisor-grid { grid-template-columns: minmax(0, .82fr) minmax(0, 1.18fr); }
}

/* ==========================================================================
   Liczby
   ========================================================================== */

.stats-band { background: var(--ink); color: var(--white); padding-block: clamp(48px, 5vw, 72px); }
.stats-head { max-width: none; margin-bottom: clamp(30px, 3vw, 42px); }
.stats-head h2 { color: var(--white); font-size: clamp(1.8rem, 3vw, 2.7rem); }
.stats-date { margin-top: 18px; font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.42); }

/* Rząd liczb rozdzielony włosowymi kreskami — bez kafelków i bez siatki tła.
   Liczba ma być największą rzeczą w tym pasie. */
.stats-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0; }
.stat {
  padding: 28px 24px 26px 0;
  border-top: 1px solid rgba(255,255,255,.16);
}
.stat strong {
  display: block;
  font-family: var(--font-display); font-size: clamp(2.4rem, 5vw, 3.6rem);
  font-weight: 500; letter-spacing: -0.045em; line-height: 1;
  font-variant-numeric: tabular-nums;
}
.stat span { display: block; margin-top: 14px; font-size: .84rem; color: rgba(255,255,255,.6); line-height: 1.45; max-width: 22ch; }

@media (min-width: 760px) {
  .stats-grid { grid-template-columns: repeat(4, 1fr); }
  .stat + .stat { padding-left: 32px; box-shadow: inset 1px 0 0 rgba(255,255,255,.16); }
}

/* ==========================================================================
   Opinie — ostatni dowód przed FAQ i formularzem
   ========================================================================== */

.opinions-head {
  display: flex; align-items: flex-end; justify-content: space-between; gap: 32px;
  margin-bottom: var(--rytm-glowy);
}
.opinions-nav { display: none; gap: 12px; flex: none; }
.opinions-arrow {
  width: 56px; height: 56px; display: grid; place-items: center;
  border: 1px solid var(--line); border-radius: 50%;
  background: var(--white); cursor: pointer;
  transition: border-color .2s var(--ease), background-color .2s var(--ease);
}
.opinions-arrow:hover { border-color: var(--ink); background: var(--paper); }
.opinions-arrow svg { width: 22px; height: 22px; fill: none; stroke: var(--ink); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
@media (min-width: 760px) { .opinions-nav { display: flex; } }

/* Przewijanie robi natywny scroll — palec na telefonie działa bez JS-a,
   a scroll-snap ustawia kafle na miejscu. */
.opinions-viewport {
  overflow-x: auto;
  /* proximity, nie mandatory: przy mandatory przeglądarka cofała programowe
     przewinięcia do najbliższego punktu i ostatni kafel był nieosiągalny. */
  scroll-snap-type: x proximity;
  scrollbar-width: none;
  margin-inline: calc(var(--gutter) * -1);
  padding-inline: var(--gutter);
  /* Bez tego snap dosuwa kafel do krawędzi elementu, a nie do marginesu strony —
     pierwsza opinia lądowała wtedy przy samej krawędzi ekranu. */
  scroll-padding-inline: var(--gutter);
}
.opinions-viewport::-webkit-scrollbar { display: none; }
.opinions-track {
  list-style: none; margin: 0; padding: 0;
  display: flex; gap: 20px;
}
.quote-card {
  scroll-snap-align: start;
  flex: 0 0 min(88%, 420px);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(30px, 3.4vw, 44px);
  display: flex; flex-direction: column;
}
@media (min-width: 760px) { .quote-card { flex-basis: min(60%, 440px); } }
@media (min-width: 1100px) { .quote-card { flex-basis: calc((100% - 40px) / 3); } }

.opinions-foot {
  display: flex; flex-direction: column; gap: 24px;
  margin-top: clamp(32px, 3.5vw, 44px);
}
.opinions-dots { display: flex; gap: 2px; }
/* Kreska ma 4 px, ale klikalny obszar musi mieć sensowną wysokość — stąd
   przezroczysty padding i rysowanie paska tłem przyciętym do content-boxu.
   Sama kreska 34x4 px byłaby celem dużo poniżej minimum 24x24. */
.opinions-dot {
  width: 34px; height: 4px; box-sizing: content-box;
  padding: 12px 5px; border: 0; border-radius: 999px;
  background: var(--line); background-clip: content-box;
  cursor: pointer;
  transition: background-color .3s var(--ease), width .3s var(--ease);
}
.opinions-dot:hover { background-color: #D7D9FF; }
.opinions-dot.is-active { background-color: var(--blue); width: 52px; }
@media (min-width: 900px) {
  .opinions-foot { flex-direction: row; align-items: center; justify-content: space-between; gap: 40px; }
  .opinions-foot .fineprint { max-width: 62ch; text-align: right; }
}
.quote-mark {
  font-family: var(--font-display); font-size: 3.4rem; line-height: .6;
  color: var(--blue); opacity: .32; margin-bottom: 18px;
}
.quote-card blockquote { margin: 0; flex: 1; }
.quote-card blockquote p {
  font-size: 1.1rem; line-height: 1.62; color: var(--text);
  text-wrap: pretty;
}
.quote-meta {
  margin-top: 26px; padding-top: 20px;
  border-top: 1px solid var(--line-soft);
  display: flex; flex-direction: column; gap: 3px;
}
.quote-meta strong { font-size: 1rem; font-weight: 600; color: var(--ink); }
.quote-meta span { font-size: .86rem; color: var(--muted); }

/* ==========================================================================
   Formularz
   ========================================================================== */

/* Sekcja domykająca stronę — mniej powietrza niż reszta, żeby formularz
   wchodził w kadr od razu, a nie po dodatkowym przewinięciu. */
.contact-section {
  border-top: 1px solid var(--line);
  padding-block: clamp(64px, 6vw, 96px);
}
.contact-grid { display: grid; gap: clamp(36px, 4.5vw, 68px); align-items: start; }
.contact-copy h2 { margin-bottom: 20px; }
.contact-lead { color: var(--muted); max-width: 42ch; }

.trust-list { list-style: none; margin: 32px 0 0; padding: 0; }
.trust-list li { display: flex; gap: 16px; padding: 18px 0; border-top: 1px solid var(--line); }
.trust-list svg { width: 20px; height: 20px; flex: none; margin-top: 2px; fill: none; stroke: var(--blue); stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.trust-list strong { display: block; font-size: .95rem; }
.trust-list span { display: block; margin-top: 3px; font-size: .86rem; color: var(--muted); }

/* Karta jest najbardziej „namacalnym” elementem strony — to na niej kończy się
   ścieżka. Granatowy pasek u góry wiąże ją z marką i oddziela nagłówek kroku
   od pól bez dokładania kolejnej kreski. */
.form-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(26px, 3vw, 40px);
  box-shadow: 0 28px 70px rgba(19,38,52,.1);
  overflow: hidden;
}
.form-card::before {
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 4px;
  background: linear-gradient(90deg, var(--blue) 0%, var(--blue-dark) 100%);
}
.form-step {
  display: flex; align-items: center; gap: 12px;
  font-size: .74rem; font-weight: 600; letter-spacing: .15em; text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 22px;
}
.form-step::after { content: ""; flex: 1; height: 1px; background: var(--line-soft); }

.form-card .field label { margin-bottom: 10px; font-size: .92rem; }
.form-card .field input,
.form-card .field select,
.form-card .field textarea {
  background: var(--paper);
  border-color: transparent;
  padding: 16px 18px;
  font-size: 1.02rem;
}
.form-card .field input::placeholder,
.form-card .field textarea::placeholder { color: #9A9A9A; }
.form-card .field input:hover,
.form-card .field select:hover,
.form-card .field textarea:hover { background: var(--paper-2); }
.form-card .field input:focus,
.form-card .field select:focus,
.form-card .field textarea:focus { background: var(--white); border-color: var(--blue); }
.form-primary { gap: 22px; }
.form-primary { display: grid; gap: 18px; }
@media (min-width: 620px) { .form-primary { grid-template-columns: 1fr 1fr; } .field--full { grid-column: 1 / -1; } }

.field label { display: block; margin-bottom: 8px; font-size: .84rem; font-weight: 600; }
.field label span[aria-hidden] { color: var(--blue); }
.field .optional { font-weight: 400; color: var(--muted); }

.field input, .field select, .field textarea {
  width: 100%; padding: 13px 14px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-size: .95rem;
  transition: border-color .18s var(--ease), box-shadow .18s var(--ease);
}
.field textarea { resize: vertical; min-height: 96px; }
.field select { 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='%235C6472' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 16px; padding-right: 38px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px var(--blue-tint); }

.field-error { display: none; margin-top: 6px; font-size: .78rem; color: var(--error); }
.field.is-invalid input, .field.is-invalid select { border-color: var(--error); }
.field.is-invalid .field-error { display: block; }

.form-details { margin-top: 24px; border-top: 1px solid var(--line-soft); padding-top: 22px; }
.form-details summary { cursor: pointer; font-size: .95rem; font-weight: 600; color: var(--blue); list-style: none; }
.form-details summary::-webkit-details-marker { display: none; }
.form-details summary::before { content: "+ "; }
.form-details[open] summary::before { content: "– "; }
.form-details-grid { display: grid; gap: 22px; margin-top: 24px; }

.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.consent-wrap { margin-top: 22px; padding: 14px 16px; background: var(--paper); border-radius: var(--radius); }
.consent { display: flex; gap: 13px; align-items: flex-start; font-size: .86rem; line-height: 1.55; color: var(--muted); cursor: pointer; }
.consent input { width: 20px; height: 20px; flex: none; margin-top: 2px; accent-color: var(--blue); }
.consent a { color: var(--blue); }
.consent-wrap.is-invalid .field-error { display: block; }
.consent-wrap.is-invalid .consent { color: var(--error); }

.form-note { margin-top: 18px; font-size: .82rem; color: var(--muted); }

.form-success {
  display: flex; align-items: center; gap: 11px; margin-top: 18px;
  padding: 14px 16px; border-radius: var(--radius);
  background: var(--blue-tint); color: var(--blue-dark); font-size: .88rem; font-weight: 500;
}
.form-success[hidden] { display: none; }
.form-success svg { width: 20px; height: 20px; flex: none; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }

@media (min-width: 900px) {
  .contact-grid {
    grid-template-columns: 1fr 1.05fr;
    grid-template-areas: "copy form" "trust form";
    column-gap: clamp(36px, 4.5vw, 68px);
    row-gap: 0;
  }
  .contact-copy { grid-area: copy; }
  .form-card { grid-area: form; }
  .contact-grid > .trust-list { grid-area: trust; margin-top: 32px; }
}

/* ==========================================================================
   FAQ
   ========================================================================== */

.faq-wrap { display: grid; gap: clamp(32px, 4vw, 64px); align-items: start; }
.faq-wrap .section-head { margin-bottom: 0; }
.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item h3 { font-size: inherit; margin: 0; }
.faq-button {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  width: 100%; padding: 24px 0; background: none; border: 0; cursor: pointer; text-align: left;
  font-family: var(--font-display); font-size: clamp(1rem, 1.7vw, 1.2rem); font-weight: 600;
  letter-spacing: -0.02em; color: var(--ink);
}
.faq-button svg { width: 20px; height: 20px; flex: none; fill: none; stroke: var(--blue); stroke-width: 1.6; stroke-linecap: round; transition: transform .3s var(--ease); }
.faq-button[aria-expanded="true"] svg { transform: rotate(135deg); }
.faq-panel { padding-bottom: 26px; }
.faq-panel p { color: var(--muted); font-size: .95rem; max-width: 68ch; }

.faq-wrap .section-cta { grid-column: 1 / -1; margin-top: 8px; }

@media (min-width: 900px) {
  .faq-wrap { grid-template-columns: .8fr 1.2fr; }
  .faq-wrap .section-cta { grid-column: 2; }
}

/* ==========================================================================
   Stopka
   ========================================================================== */

.site-footer { background: var(--ink); color: rgba(255,255,255,.62); padding-block: clamp(56px, 7vw, 92px) 40px; font-size: .88rem; }
.footer-grid { display: grid; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,.12); }
.footer-brand p { margin-top: 18px; max-width: 44ch; line-height: 1.65; }
.footer-logo { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--white); }
.footer-logo img { width: 34px; height: auto; }
.footer-logo span { font-family: var(--font-display); font-size: 1.16rem; letter-spacing: -0.03em; font-weight: 400; }
.footer-logo strong { font-weight: 600; color: var(--blue); }

.footer-col { display: flex; flex-direction: column; gap: 11px; }
.footer-col h2 { font-size: .68rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.4); margin-bottom: 6px; }
.footer-col a { text-decoration: none; transition: color .18s var(--ease); }
.footer-col a:hover { color: var(--white); }

.footer-registry { display: flex; flex-wrap: wrap; gap: 8px 28px; padding-block: 26px; font-size: .76rem; color: rgba(255,255,255,.42); border-bottom: 1px solid rgba(255,255,255,.12); }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; padding-block: 24px; font-size: .8rem; }
.footer-bottom a { text-decoration: none; }
.footer-bottom a:hover { color: var(--white); }
.footer-disclaimer { font-size: .72rem; line-height: 1.65; color: rgba(255,255,255,.34); max-width: 100ch; }

@media (min-width: 760px) { .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 48px; } }

/* ==========================================================================
   Stałe CTA
   ========================================================================== */

.cta-dock {
  position: fixed; right: 26px; bottom: 26px; z-index: 80;
  display: none; align-items: center; gap: 9px;
  padding: 14px 22px; border-radius: 999px;
  background: var(--blue); color: var(--white);
  font-size: .9rem; font-weight: 600; text-decoration: none;
  box-shadow: 0 12px 34px rgba(35,72,101,.22);
  opacity: 0; transform: translateY(14px);
  transition: opacity .35s var(--ease), transform .35s var(--ease), background-color .2s var(--ease);
}
.cta-dock svg { width: 17px; height: 17px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.cta-dock:hover { background: var(--blue-dark); }
.cta-dock.is-shown { opacity: 1; transform: none; }

.mobile-bottom-bar {
  display: none !important;
}
.mobile-bottom-bar .btn { min-height: 46px; }

@media (min-width: 900px) {
  .mobile-bottom-bar { display: none; }
  .cta-dock { display: none !important; }
}
@media (max-width: 899px) {
  body { padding-bottom: 0; }
  .cta-dock { display: none !important; }
}

/* ==========================================================================
   Premium system — spokojny charakter private banking
   ========================================================================== */

body { letter-spacing: -.006em; }

h1, h2, h3 { font-weight: 550; }
h2 { letter-spacing: -.042em; }

.btn {
  border-radius: var(--radius);
  box-shadow: 0 8px 24px rgba(9,27,39,.06);
  transition: background-color .22s var(--ease), border-color .22s var(--ease), color .22s var(--ease), transform .22s var(--ease), box-shadow .22s var(--ease);
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(9,27,39,.11); }
.btn:active { transform: translateY(0); }
.btn--primary { background: linear-gradient(135deg, #2F3FFF 0%, var(--blue-dark) 100%); }
.btn--primary:hover { background: linear-gradient(135deg, var(--blue) 0%, #181F94 100%); }

.site-header.is-compact {
  border-bottom-color: rgba(217,224,226,.82);
  box-shadow: 0 10px 34px rgba(9,27,39,.055);
}
.site-header--overlay.is-compact { background: rgba(252,252,250,.9); }
.site-header--overlay .brand-logo { height: 28px; }
.desktop-nav { gap: 28px; }
.desktop-nav a { font-size: .82rem; letter-spacing: .01em; }
.btn--header { min-height: 44px; padding-inline: 20px; border-radius: 999px; }

.hero { min-height: min(100svh, 980px); }
.hero-media img { object-position: 60% center; filter: saturate(.86) contrast(1.03); }
.hero-shade {
  background:
    radial-gradient(105% 100% at 0% 100%, rgba(4,13,20,.97) 0%, rgba(4,13,20,.93) 25%, rgba(4,13,20,.76) 44%, rgba(4,13,20,.34) 67%, rgba(4,13,20,0) 86%),
    linear-gradient(180deg, rgba(4,13,20,.62) 0%, rgba(4,13,20,.18) 15%, rgba(4,13,20,0) 33%),
    linear-gradient(90deg, rgba(4,13,20,.18), transparent 48%);
}
.hero-copy {
  max-width: min(96vw, 1040px);
  padding-bottom: clamp(48px, 7vh, 82px);
}
.hero-copy h1 {
  max-width: 15ch;
  margin-bottom: 32px;
  font-size: clamp(2.5rem, 4.65vw, 4.7rem);
  font-weight: 500;
  line-height: .98;
  letter-spacing: -.055em;
  text-shadow: 0 4px 32px rgba(3,11,17,.4);
}
.hero-copy h1 em { color: #C4C8FF; }
.hero-copy h1 .hero-line--first,
.hero-copy h1 .hero-line--second { display: inline-block; }
.hero-copy h1 .hero-line--second { margin-left: .18em; }
.hero-copy h1 .hero-line--accent { display: block; margin-top: .04em; }
.hero-copy h1 .hero-line > span { white-space: nowrap; }
.hero-actions { gap: 12px; margin-top: 0; }
.hero .btn { min-height: 58px; padding-inline: 30px; box-shadow: none; }
.hero .btn--primary { color: var(--ink); background: var(--white); }
.hero .btn--primary:hover { color: var(--ink); background: #F4F4F4; box-shadow: 0 14px 36px rgba(0,0,0,.18); }
.hero .btn--ghost { backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); }
.hero-assurances {
  list-style: none; margin: 30px 0 0; padding: 20px 0 0;
  display: flex; flex-wrap: wrap; gap: 0;
  max-width: 760px; border-top: 1px solid rgba(255,255,255,.18);
}
.hero-assurances li { display: flex; flex-direction: column; min-width: 190px; padding-right: 28px; }
.hero-assurances li + li { padding-left: 28px; border-left: 1px solid rgba(255,255,255,.16); }
.hero-assurances strong { color: var(--white); font-size: .84rem; font-weight: 600; }
.hero-assurances span { margin-top: 2px; color: rgba(255,255,255,.5); font-size: .72rem; }

.stats-band {
  position: relative; overflow: hidden;
  background:
    radial-gradient(circle at 82% -30%, rgba(68,126,166,.3), transparent 38%),
    linear-gradient(135deg, #090909 0%, #151515 100%);
  border-top: 1px solid rgba(255,255,255,.08);
}
.stats-head { display: block; max-width: 780px; }
.stats-head .eyebrow { margin-bottom: 18px; }
.stat { border-top-color: rgba(255,255,255,.2); }
.stat strong { color: #F7F7FF; }
.stat span { color: rgba(255,255,255,.58); }

#produkty { background: var(--paper); }
.section-head--products { max-width: none; display: grid; gap: 30px; }
.audience-pills { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; align-self: end; }
.audience-pills li {
  padding: 9px 14px; border: 1px solid #DADADA; border-radius: 999px;
  background: rgba(255,255,255,.56); color: var(--muted);
  font-size: .76rem; font-weight: 600;
}
.product-list { border-top: 0; display: grid; gap: 12px; }
.product-row {
  padding: 24px 22px;
  border: 1px solid rgba(211,220,223,.9);
  border-radius: 18px;
  background: rgba(255,255,255,.76);
  box-shadow: 0 1px 0 rgba(255,255,255,.8) inset;
  overflow: hidden;
  transition: border-color .28s var(--ease), background-color .28s var(--ease), transform .28s var(--ease), box-shadow .28s var(--ease);
}
.product-row::before { left: 0; right: auto; top: 0; bottom: 0; width: 3px; height: auto; transform: scaleY(0); transform-origin: center bottom; }
.product-row:hover::before, .product-row:focus-within::before { transform: scaleY(1); }
.product-row:hover, .product-row:focus-within {
  background: var(--white); border-color: #D4D5FF;
  transform: translateY(-3px); box-shadow: var(--shadow-soft);
}
.product-icon {
  width: 38px; height: 38px; border-radius: 11px;
  background: var(--blue-tint); place-items: center;
}
.product-title { font-weight: 550; }
.product-go { box-shadow: none; }
.product-row:hover .product-go, .product-row:focus-within .product-go { transform: none; }
.section-cta .btn { min-width: 230px; }

.advisor { background: linear-gradient(180deg, #FAFAFA 0%, #F7F7F7 100%); }
.portrait--advisor {
  max-width: 480px; border: 1px solid rgba(255,255,255,.9);
  box-shadow: 0 32px 80px rgba(9,27,39,.14);
}
.portrait--advisor::after {
  content: ""; position: absolute; inset: 0; z-index: 2; pointer-events: none;
  background: linear-gradient(180deg, transparent 62%, rgba(4,13,20,.16));
}
.advisor-badge {
  position: absolute; z-index: 3; right: 18px; bottom: 18px;
  display: flex; align-items: center; gap: 13px;
  padding: 13px 16px; border: 1px solid rgba(255,255,255,.22); border-radius: 14px;
  background: rgba(8,22,31,.82); color: var(--white);
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 12px 28px rgba(0,0,0,.2);
}
.advisor-badge strong { font-family: var(--font-display); font-size: 1.35rem; font-weight: 500; letter-spacing: -.04em; }
.advisor-badge span { padding-left: 13px; border-left: 1px solid rgba(255,255,255,.2); font-size: .7rem; line-height: 1.35; color: rgba(255,255,255,.72); }
.advisor-meta { border-top-color: var(--blue-dark); }
.advisor-availability { display: flex !important; align-items: center; gap: 8px; margin-top: 8px !important; color: var(--blue-dark) !important; font-size: .78rem !important; }
.advisor-availability i { width: 7px; height: 7px; border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 4px var(--blue-tint); }
.advisor-quote { border-left-width: 2px; }
.advisor-duties li { transition: padding-left .25s var(--ease), background-color .25s var(--ease); }
.advisor-duties li:hover { padding-left: 12px; background: rgba(255,255,255,.45); }

#jak-to-dziala { background: var(--surface); }
.steps { gap: 16px; }
.step-card { border-color: #E8E8E8; box-shadow: 0 12px 34px rgba(9,27,39,.045); }
.step-card:hover { box-shadow: var(--shadow-soft); }
.step-card--last {
  background:
    radial-gradient(circle at 100% 0, rgba(70,129,169,.28), transparent 38%),
    linear-gradient(145deg, #0C0C0C 0%, #171717 100%);
  border-color: #171717;
}
.step-time { background: rgba(255,255,255,.6); }
.step-card--last .step-time { background: rgba(255,255,255,.05); }

.calc-section {
  position: relative; overflow: hidden;
  background:
    radial-gradient(circle at 82% 10%, rgba(68,128,168,.26), transparent 34%),
    radial-gradient(circle at 12% 100%, rgba(35,82,111,.2), transparent 34%),
    #090909;
}
.calc-section::after {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .26;
  background-image: linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px);
  background-size: 48px 48px;
}
.calc-grid { position: relative; z-index: 1; align-items: center; }
.calc-panel {
  padding: clamp(28px, 4vw, 48px);
  background: rgba(255,255,255,.06);
  border-color: rgba(255,255,255,.14);
  box-shadow: 0 28px 70px rgba(0,0,0,.22), inset 0 1px 0 rgba(255,255,255,.05);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
}
.calc-out { border-top-color: rgba(255,255,255,.2); }
.calc-privacy { display: flex; align-items: center; gap: 9px; margin-top: 18px; color: rgba(255,255,255,.44); font-size: .76rem; }
.calc-privacy svg { width: 16px; height: 16px; flex: none; fill: none; stroke: currentColor; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }

.opinions { background: #FAFAFA; }
.opinions-arrow { box-shadow: 0 8px 22px rgba(9,27,39,.06); }
.quote-card {
  border-color: #E8E8E8;
  box-shadow: 0 16px 44px rgba(9,27,39,.055);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s var(--ease);
}
.quote-card:hover { transform: translateY(-3px); border-color: #D7D7D7; box-shadow: var(--shadow-soft); }
.quote-mark { opacity: .48; }

.contact-section {
  position: relative; overflow: hidden;
  background:
    radial-gradient(circle at 0 0, rgba(76,135,172,.14), transparent 34%),
    linear-gradient(180deg, #F1F2FF 0%, #F8F8F8 100%);
}
.contact-section::before {
  content: ""; position: absolute; width: 420px; height: 420px; right: -180px; top: -180px; border-radius: 50%;
  border: 1px solid rgba(47,63,255,.12); box-shadow: 0 0 0 70px rgba(47,63,255,.035), 0 0 0 140px rgba(47,63,255,.02);
}
.contact-grid { position: relative; z-index: 1; }
.contact-copy h2 em { color: var(--blue-dark); }
.trust-list li { border-top-color: rgba(47,63,255,.15); }
.form-card {
  border-color: rgba(202,215,220,.9); border-radius: 24px;
  box-shadow: var(--shadow-card), inset 0 1px 0 rgba(255,255,255,.9);
}
.form-card::before { height: 5px; background: linear-gradient(90deg, #4A58FF 0%, #202DDB 62%, #171717 100%); }
.form-card .field input, .form-card .field select, .form-card .field textarea { border: 1px solid transparent; }
.form-card .field input:hover, .form-card .field select:hover, .form-card .field textarea:hover { border-color: #E0E1FF; }
.btn--submit { justify-content: space-between; padding-inline: 24px; }
.btn--submit svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: transform .22s var(--ease); }
.btn--submit:hover svg { transform: translateX(4px); }

.rate-section { background: #F5F5F5; }
.rate-bar { border-color: #E4E4E4; border-radius: 22px; box-shadow: var(--shadow-soft); }
.rate-bar-cta { border-radius: var(--radius); background: linear-gradient(135deg, #2F3FFF 0%, var(--blue-dark) 100%); box-shadow: 0 10px 24px rgba(33,76,105,.16); }

#faq { background: var(--surface); }
.faq-list { border-top-color: #E3E3E3; }
.faq-item { border-bottom-color: #E3E3E3; }
.faq-button { transition: color .2s var(--ease), padding-left .2s var(--ease); }
.faq-button:hover { color: var(--blue-dark); padding-left: 8px; }

.site-footer {
  background:
    radial-gradient(circle at 82% 0, rgba(54,109,149,.2), transparent 28%),
    #090909;
}

.mobile-bottom-bar {
  background: rgba(252,252,250,.92);
  box-shadow: 0 -10px 34px rgba(9,27,39,.08);
}

@media (min-width: 860px) {
  .product-row { padding: 26px 28px; }
  .product-icon { display: grid; }
}

@media (min-width: 900px) {
  .section-head--products { grid-template-columns: minmax(0, 1fr) auto; align-items: end; }
  .section-head--products > div { max-width: 720px; }
}

@media (max-width: 899px) {
  .hero { min-height: 100svh; }
  .hero-media img { object-position: 72% center; }
  .hero-copy { padding-bottom: calc(100px + env(safe-area-inset-bottom)); }
  .hero-copy h1 {
    max-width: none;
    font-size: clamp(2.1rem, 10.3vw, 4.4rem);
    line-height: 1;
    padding-right: .08em;
  }
  .hero-copy h1 .hero-line { display: block; padding-bottom: .12em; margin: 0; }
  .hero-copy h1 .hero-line--second { margin-left: 0; }
  .hero-copy h1 .hero-line + .hero-line { margin-top: .1em; }
  .hero-assurances { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 22px; padding-top: 16px; }
  .hero-assurances li { min-width: 0; padding-right: 12px; }
  .hero-assurances li + li { padding-left: 12px; }
  .hero-assurances span { display: none; }
  .advisor-badge { right: 12px; bottom: 12px; }
  .contact-section::before { display: none; }
}

@media (max-width: 560px) {
  .hero-copy h1 { margin-bottom: 26px; }
  .hero-actions { margin-top: 0; }
  .hero .btn { min-height: 52px; padding-inline: 20px; }
  .hero-assurances strong { font-size: .68rem; }
  .audience-pills { gap: 6px; }
  .audience-pills li { padding: 7px 11px; font-size: .69rem; }
  .product-row { padding: 20px 18px; }
  .product-desc { margin-top: 4px; }
  .advisor-badge span { display: none; }
  .advisor-badge strong { font-size: 1.12rem; }
  .mobile-bottom-bar { grid-template-columns: .72fr 1.28fr; }
  .mobile-bottom-bar .btn { padding-inline: 12px; font-size: .82rem; }
}

@media (max-width: 899px) and (max-height: 720px) {
  .hero-assurances { display: none; }
  .hero-actions { margin-top: 0; }
}

/* ==========================================================================
   Strony dokumentów (polityka prywatności, regulamin)
   ========================================================================== */

.legal-page { padding-block: clamp(56px, 8vw, 104px) clamp(64px, 9vw, 120px); }
/* Po podniesieniu bazowego fontu do 18 px wiersz przy 780 px miał ok. 75 znaków —
   górna granica czytelności. Węższa kolumna trzyma go bliżej 68. */
.legal-wrap { width: 100%; max-width: 720px; margin-inline: auto; padding-inline: var(--gutter); }
.legal-wrap h1 { margin-bottom: 28px; font-size: clamp(2.1rem, 4.6vw, 3.1rem); }
.legal-wrap h2 { margin-top: 44px; margin-bottom: 12px; font-size: clamp(1.1rem, 2vw, 1.35rem); letter-spacing: -0.018em; }
.legal-wrap p { color: var(--muted); line-height: 1.7; }
.legal-wrap p + p { margin-top: 14px; }
.legal-note {
  margin-bottom: 8px; padding: 16px 18px;
  background: var(--blue-tint); border-left: 2px solid var(--blue);
  border-radius: 0 var(--radius) var(--radius) 0;
  color: var(--blue-dark) !important; font-size: .88rem;
}
.legal-page + .site-footer { padding-block: 32px; }


/* ==========================================================================
   PODSTRONY — Oferta / Kontakt
   Wspólny język wizualny: biel + #090909 + Electric Indigo #2F3FFF.
   ========================================================================== */
.subpage-main { min-height: 70vh; }
.page-hero {
  position: relative;
  overflow: hidden;
  padding: clamp(92px, 10vw, 150px) 0 clamp(72px, 8vw, 118px);
  border-bottom: 1px solid var(--line);
}
.page-hero--dark {
  background:
    radial-gradient(circle at 78% 26%, rgba(47,63,255,.34), transparent 28%),
    linear-gradient(132deg, #090909 0%, #111111 55%, #171717 100%);
  color: var(--white);
}
.page-hero--dark::after {
  content:""; position:absolute; inset:0; pointer-events:none;
  background-image: linear-gradient(rgba(255,255,255,.045) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,.045) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(to right, transparent, #000 38%, #000);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero-breadcrumb { display:flex; align-items:center; gap:9px; margin-bottom:32px; font-size:.76rem; color:rgba(255,255,255,.52); }
.page-hero-breadcrumb a { color:inherit; text-decoration:none; }
.page-hero-breadcrumb span { color:rgba(255,255,255,.28); }
.page-hero h1 {
  max-width: 1050px;
  color: var(--white);
  font-size: clamp(3rem, 6.7vw, 6rem);
  letter-spacing: -.05em;
}
.page-hero h1 em { color: #7B84FF; }
.page-hero-lead { max-width: 720px; margin-top: 28px; color: rgba(255,255,255,.68); font-size: clamp(1rem, 1.4vw, 1.22rem); }
.page-hero-actions { display:flex; flex-wrap:wrap; gap:12px; margin-top:36px; }
.page-hero .btn--ghost { color:#fff; border-color:rgba(255,255,255,.28); }
.page-hero .btn--ghost:hover { background:#fff; color:#090909; border-color:#fff; }

.page-stat-strip { background: #fff; border-bottom: 1px solid var(--line); }
.page-stat-grid { display:grid; grid-template-columns:repeat(4,1fr); }
.page-stat { padding: 28px clamp(16px,2.2vw,32px); border-right:1px solid var(--line); }
.page-stat:first-child { padding-left:0; }
.page-stat:last-child { border-right:0; }
.page-stat strong { display:block; color:var(--ink); font-family:var(--font-display); font-size:1.2rem; }
.page-stat span { display:block; margin-top:5px; color:var(--muted); font-size:.82rem; }

.offer-groups { display:grid; gap: clamp(66px,8vw,120px); }
.offer-group-head { display:grid; grid-template-columns:.6fr 1.4fr; gap:40px; align-items:end; margin-bottom:36px; }
.offer-group-head .eyebrow { margin:0; }
.offer-group-head h2 { max-width:850px; }
.offer-group-head p:last-child { max-width:650px; margin-top:18px; color:var(--muted); }

.service-grid { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); border-top:1px solid var(--line); border-left:1px solid var(--line); }
.service-card {
  min-height: 340px; padding: clamp(28px,4vw,52px);
  border-right:1px solid var(--line); border-bottom:1px solid var(--line);
  background:#fff; transition: transform .28s var(--ease), box-shadow .28s var(--ease), border-color .28s var(--ease);
}
.service-card:hover { position:relative; z-index:2; transform:translateY(-4px); box-shadow:0 22px 54px rgba(9,9,9,.08); border-color:#C9CCFF; }
.service-top { display:flex; align-items:center; justify-content:space-between; gap:24px; margin-bottom:40px; }
.service-index { color:var(--blue); font-size:.72rem; font-weight:700; letter-spacing:.16em; }
.service-kind { padding:7px 10px; border:1px solid var(--line); border-radius:999px; color:var(--muted); font-size:.68rem; text-transform:uppercase; letter-spacing:.1em; }
.service-card h3 { max-width:470px; font-size:clamp(1.55rem,2.5vw,2.3rem); }
.service-card > p { max-width:58ch; margin-top:18px; color:var(--muted); }
.service-points { display:grid; gap:9px; margin:26px 0 0; padding:0; list-style:none; }
.service-points li { position:relative; padding-left:18px; font-size:.88rem; color:var(--text); }
.service-points li::before { content:""; position:absolute; left:0; top:.72em; width:6px; height:6px; border-radius:50%; background:var(--blue); }
.service-link { display:inline-flex; gap:10px; align-items:center; margin-top:30px; color:var(--blue); font-weight:600; font-size:.86rem; text-decoration:none; }
.service-link::after { content:"→"; transition:transform .2s var(--ease); }
.service-link:hover::after { transform:translateX(4px); }

.service-feature {
  display:grid; grid-template-columns:1.1fr .9fr; gap:0;
  overflow:hidden; border-radius:var(--radius-lg);
  background:#2F3FFF; color:#fff;
}
.service-feature-copy { padding:clamp(38px,6vw,78px); }
.service-feature .eyebrow { color:rgba(255,255,255,.66); }
.service-feature h2 { color:#fff; max-width:720px; }
.service-feature p { max-width:64ch; margin-top:22px; color:rgba(255,255,255,.72); }
.service-feature-list { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:10px; padding:clamp(38px,6vw,78px); background:rgba(9,9,9,.14); }
.service-feature-list span { display:flex; align-items:center; min-height:78px; padding:18px; border:1px solid rgba(255,255,255,.2); border-radius:10px; font-size:.86rem; font-weight:600; }

.team-process { background:#090909; color:#fff; }
.team-process .eyebrow { color:#7B84FF; }
.team-process h2 { color:#fff; }
.team-process .section-lead { color:rgba(255,255,255,.58); }
.team-process-grid { display:grid; grid-template-columns:repeat(4,1fr); margin-top:48px; border-top:1px solid rgba(255,255,255,.16); border-left:1px solid rgba(255,255,255,.16); }
.team-process-step { padding:32px; border-right:1px solid rgba(255,255,255,.16); border-bottom:1px solid rgba(255,255,255,.16); }
.team-process-step span { color:#7B84FF; font-size:.7rem; letter-spacing:.16em; }
.team-process-step h3 { margin-top:38px; color:#fff; font-size:1.18rem; }
.team-process-step p { margin-top:12px; color:rgba(255,255,255,.56); font-size:.88rem; }

.contact-page-section { padding:var(--rytm) 0; }
.contact-cards { display:grid; grid-template-columns:repeat(4,1fr); border-top:1px solid var(--line); border-left:1px solid var(--line); margin-bottom:clamp(60px,8vw,110px); }
.contact-card { min-height:190px; padding:28px; border-right:1px solid var(--line); border-bottom:1px solid var(--line); background:#fff; }
.contact-card-label { display:block; color:var(--muted); font-size:.7rem; text-transform:uppercase; letter-spacing:.14em; }
.contact-card strong, .contact-card a { display:block; margin-top:30px; color:var(--ink); font-family:var(--font-display); font-size:clamp(1.08rem,1.7vw,1.45rem); text-decoration:none; line-height:1.25; }
.contact-card a:hover { color:var(--blue); }
.contact-card small { display:block; margin-top:8px; color:var(--muted); font-size:.76rem; }

.contact-page-grid { display:grid; grid-template-columns:minmax(0,.82fr) minmax(460px,1.18fr); gap:clamp(44px,8vw,120px); align-items:start; }
.contact-page-copy { position:sticky; top:calc(var(--header-h) + 40px); }
.contact-page-copy h2 { max-width:620px; }
.contact-page-copy > p { max-width:58ch; margin-top:22px; color:var(--muted); }
.contact-page-trust { list-style:none; padding:0; margin:38px 0 0; border-top:1px solid var(--line); }
.contact-page-trust li { display:grid; grid-template-columns:34px 1fr; gap:14px; padding:18px 0; border-bottom:1px solid var(--line); }
.contact-page-trust b { color:var(--blue); font-size:.72rem; }
.contact-page-trust strong { display:block; font-size:.92rem; }
.contact-page-trust span { display:block; margin-top:4px; color:var(--muted); font-size:.8rem; }

.subpage-form { padding:clamp(28px,4.5vw,52px); border:1px solid var(--line); background:#fff; box-shadow:0 22px 60px rgba(9,9,9,.06); }
.subpage-form .form-head { margin-bottom:30px; }
.subpage-form .form-head h3 { font-size:clamp(1.6rem,2.5vw,2.2rem); }
.subpage-form .form-head p { margin-top:10px; color:var(--muted); font-size:.88rem; }

.subpage-cta { padding:clamp(56px,7vw,90px) 0; background:#F4F4F4; border-top:1px solid var(--line); }
.subpage-cta-inner { display:flex; align-items:center; justify-content:space-between; gap:40px; }
.subpage-cta h2 { max-width:820px; }
.subpage-cta-actions { flex:0 0 auto; display:flex; gap:10px; flex-wrap:wrap; }

@media (max-width: 980px) {
  .page-stat-grid { grid-template-columns:repeat(2,1fr); }
  .page-stat:nth-child(2) { border-right:0; }
  .offer-group-head { grid-template-columns:1fr; gap:18px; }
  .service-feature { grid-template-columns:1fr; }
  .team-process-grid { grid-template-columns:repeat(2,1fr); }
  .contact-cards { grid-template-columns:repeat(2,1fr); }
  .contact-page-grid { grid-template-columns:1fr; }
  .contact-page-copy { position:static; }
}
@media (max-width: 700px) {
  .page-hero { padding-top:72px; }
  .page-hero h1 { font-size:clamp(2.6rem,13vw,4rem); }
  .page-stat-grid, .service-grid, .team-process-grid, .contact-cards { grid-template-columns:1fr; }
  .page-stat { padding-inline:0; border-right:0; border-bottom:1px solid var(--line); }
  .service-card { min-height:0; }
  .service-feature-list { grid-template-columns:1fr; }
  .subpage-cta-inner { align-items:flex-start; flex-direction:column; }
  .contact-page-grid { display:block; }
  .subpage-form { margin-top:38px; padding:24px 18px; }
}

/* aktywna pozycja nawigacji podstron */
.desktop-nav a[aria-current="page"], .mobile-nav a[aria-current="page"] { color:var(--blue); }
.desktop-nav a[aria-current="page"]::after { right:0; background:var(--blue); }


/* ==========================================================================
   FIX 2026-09-05 — jasne podstrony + uproszczona nawigacja
   ========================================================================== */
.hero-copy h1 em { color: var(--white) !important; }

.product-row:hover .product-go,
.product-row:focus-within .product-go {
  color: var(--white);
}
.product-row:hover .product-go::before,
.product-row:focus-within .product-go::before {
  color: var(--white);
}

.page-hero--light {
  background: var(--white);
  color: var(--ink);
}
.page-hero--light::after { display: none; }
.page-hero--light .page-hero-breadcrumb { color: var(--muted); }
.page-hero--light .page-hero-breadcrumb span { color: rgba(9,9,9,.24); }
.page-hero--light h1 { color: var(--ink); }
.page-hero--light h1 em { color: var(--blue); }
.page-hero--light .page-hero-lead { color: var(--muted); }
.page-hero--light .eyebrow { color: var(--blue); }
.page-hero--light .btn--ghost {
  color: var(--ink);
  border-color: var(--line-strong);
  background: var(--white);
}
.page-hero--light .btn--ghost:hover {
  color: var(--white);
  background: var(--ink);
  border-color: var(--ink);
}
.page-hero {
  padding: clamp(82px, 8vw, 118px) 0 clamp(64px, 7vw, 92px);
}
.page-hero h1 {
  max-width: 980px;
  font-size: clamp(3rem, 5.8vw, 5.35rem);
  line-height: .98;
}

/* ==========================================================================
   Dokumenty prawne i zgody przy formularzu
   ==========================================================================
   Dodane przy wgrywaniu paczki dokumentów od klienta (6.09.2026). Reguły
   .legal-wrap siedziały wcześniej w bloku <style> powtórzonym w trzech
   plikach — tutaj są raz i zmieniają się razem z resztą arkusza. */

.legal-wrap h2 { margin-top: 2.4rem; }
.legal-wrap h3 { margin-top: 1.6rem; font-size: 1.06rem; }
.legal-wrap ul, .legal-wrap ol { padding-left: 1.3rem; line-height: 1.72; color: var(--muted); }
.legal-wrap li { margin: .4rem 0; }
.legal-wrap li > strong { color: var(--ink); }
.legal-wrap a { color: var(--blue); }

/* Tabele bywają szersze niż kolumna tekstu — przewijają się we własnym
   kontenerze, żeby nie rozpychały strony w poziomie. */
.legal-wrap .table-scroll { overflow-x: auto; margin: 1.2rem 0; }
.legal-wrap table { width: 100%; border-collapse: collapse; font-size: .92rem; min-width: 34rem; }
.legal-wrap th, .legal-wrap td {
  border: 1px solid var(--line); padding: .7rem .75rem;
  text-align: left; vertical-align: top; color: var(--muted);
}
.legal-wrap thead th { background: var(--paper); color: var(--ink); font-weight: 600; }

/* Zgody opcjonalne — wizualnie lżejsze od wymaganego potwierdzenia, żeby było
   widać, że nie trzeba ich zaznaczać, aby wysłać formularz. */
.consent-optional { list-style: none; margin: 14px 0 0; padding: 0 16px; display: grid; gap: 12px; }
.consent-optional .consent { font-size: .82rem; }
.consent-opt {
  display: inline-block; margin-left: 4px; padding: 1px 7px;
  font-size: .68rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase;
  color: var(--muted); background: var(--paper-2, var(--paper)); border-radius: 999px;
  vertical-align: 1px;
}

/* Klauzula informacyjna — zwinięta, ale dostępna bez wysyłania formularza. */
.rodo-klauzula { margin-top: 20px; border-top: 1px solid var(--line); padding-top: 18px; }
.rodo-klauzula summary {
  cursor: pointer; list-style: none;
  font-size: .86rem; font-weight: 600; color: var(--blue);
}
.rodo-klauzula summary::-webkit-details-marker { display: none; }
.rodo-klauzula summary::before { content: "+ "; }
.rodo-klauzula[open] summary::before { content: "– "; }
.rodo-klauzula-tresc { margin-top: 14px; display: grid; gap: 12px; }
.rodo-klauzula-tresc p { font-size: .8rem; line-height: 1.6; color: var(--muted); }
.rodo-klauzula-tresc strong { color: var(--ink); }
.rodo-klauzula-tresc a { color: var(--blue); }

/* ---------- Ekran podziękowania po wysłaniu formularza ----------
   Po udanej wysyłce formularz chowa się w całości, a na jego miejscu
   zostaje samo potwierdzenie — żeby nie było wątpliwości, czy
   zgłoszenie poszło, i żeby nikt nie wysyłał go po raz drugi. */
#leadForm.is-sent > *:not(.form-success) { display: none; }

#leadForm.is-sent .form-success {
  display: block;
  margin: 0;
  padding: 40px 32px;
  text-align: center;
}

#leadForm.is-sent .form-success svg {
  width: 52px;
  height: 52px;
  margin: 0 auto 18px;
  display: block;
  stroke-width: 1.4;
}

.form-success-title {
  display: block;
  margin-bottom: 10px;
  font-size: 1.32rem;
  font-weight: 600;
  line-height: 1.25;
}

.form-success-text {
  display: block;
  font-size: .95rem;
  font-weight: 400;
  line-height: 1.6;
  max-width: 42ch;
  margin-inline: auto;
}

@media (max-width: 600px) {
  #leadForm.is-sent .form-success { padding: 32px 20px; }
  .form-success-title { font-size: 1.15rem; }
}