/* Hipoteka dla przedsiębiorcy – moduły strony */

.hp-note{font-size:14.5px;color:var(--slate);margin:20px 0 0;max-width:760px}
.hp-note a{color:var(--brass-deep);text-underline-offset:4px;font-weight:600}
.hp-note--dark{color:var(--jacket)}
.sec__head p a{color:var(--brass-deep);text-underline-offset:4px}

/* ---------- Tabela porównania etat / działalność ---------- */
.vs{width:100%;border-collapse:collapse;border-top:1px solid var(--ink);font-size:15.5px}
.vs thead th{text-align:left;font-family:var(--f-display);font-weight:500;font-size:clamp(22px,2vw,28px);line-height:1.15;padding:20px 24px 16px 0;border-bottom:1px solid var(--ink);width:36%}
.vs thead th + th{padding-left:24px;width:40%}
.vs th[scope=row]{text-align:left;font-weight:600;font-size:14px;letter-spacing:.02em;color:var(--brass-deep);padding:18px 24px 18px 0;width:24%;vertical-align:top}
.vs td{padding:18px 24px 18px 0;color:#2c3a41;vertical-align:top}
.vs tbody tr{border-bottom:1px solid var(--mist-line)}
.vs td + td{padding-left:24px;border-left:1px solid var(--mist-line);color:var(--ink)}

/* ---------- Jak bank liczy dochód: .ledger + schematyczne paski ---------- */
.hp-inc{font-size:15px}
.hp-inc thead th{border-bottom:1px solid var(--mist-line)}
.hp-inc th[scope=row]{width:15%}
.hp-inc td:nth-of-type(1){width:25%}
.hp-inc td{color:#2c3a41}
.hp-inc tbody tr:hover th,.hp-inc tbody tr:hover td{background:rgba(255,255,255,.55)}
/* wyróżniony wiersz: jednolite tło (wspólny gradient .is-key zaczyna się od nowa w każdej komórce) */
.hp-inc tr.is-key th,.hp-inc tr.is-key td,.hp-inc tr.is-key:hover th,.hp-inc tr.is-key:hover td{background:rgba(201,171,112,.13)}
.hp-warn{position:relative}
.hp-bar{display:flex;height:28px;border:1px solid var(--ink);background:var(--mist-2);margin:2px 0 10px}
.hp-bar i{display:block;height:100%}
.hp-bar i + i{border-left:1px solid var(--ink)}
.hp-cap{display:block;font-size:13.5px;color:var(--slate);line-height:1.4}
.k-ok{background:var(--petrol-800)}
.k-cost{background:repeating-linear-gradient(135deg,var(--ink) 0 1.5px,transparent 1.5px 7px)}
.k-est{background:repeating-linear-gradient(45deg,var(--slate) 0 1px,transparent 1px 5px)}
.k-tax{background:var(--jacket)}
.k-kept{background:radial-gradient(circle,var(--brass-deep) 1.2px,transparent 1.6px) 0 0/6px 6px,rgba(201,171,112,.18)}
.hp-legend{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:22px;font-size:14px;color:var(--slate)}
.hp-legend span{display:inline-flex;align-items:center;gap:9px}
.hp-legend i{display:inline-block;width:24px;height:14px;border:1px solid var(--ink)}

/* ---------- Staż działalności: oś miesięcy ---------- */
.tenure{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr 2fr 1.3fr;border-left:1px solid var(--line-dark)}
.tenure li{position:relative;padding:0}
.tenure li + li{border-left:1px solid var(--line-dark)}
.tenure li::before{content:"";display:block;height:14px;margin:0 0 0 -1px;border-top:1px solid var(--line-dark);border-bottom:1px solid var(--line-dark)}
.tenure__z1::before{background:rgba(201,171,112,.12)}
.tenure__z2::before{background:rgba(201,171,112,.32)}
.tenure__z3::before{background:rgba(201,171,112,.62)}
.tenure__z4::before{background:linear-gradient(90deg,var(--brass) 55%,rgba(201,171,112,.15));border-right:0}
.tenure__m{display:block;font-family:var(--f-display);font-size:clamp(26px,2.6vw,36px);line-height:1;color:var(--brass);padding:18px 20px 0}
.tenure li > div{padding:16px 20px 4px}
.tenure h3{font-size:clamp(21px,1.8vw,25px);margin-bottom:8px}
.tenure p{color:#c3cbcf;font-size:15.5px;margin:0}

/* ---------- Dokumenty ---------- */
.hp-docs h3{font-size:clamp(22px,1.9vw,26px);margin-bottom:12px}
.hp-docs .ticks li{font-size:15px}

/* ---------- Pułapki ---------- */
.traps{list-style:none;margin:0;padding:0;counter-reset:tr;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--ink)}
.traps li{counter-increment:tr;padding:28px 28px 30px 0;border-bottom:1px solid var(--mist-line)}
.traps li:not(:nth-child(3n+1)){padding-left:28px;border-left:1px solid var(--mist-line)}
.traps li::before{content:counter(tr,decimal-leading-zero);display:block;font-family:var(--f-display);font-size:40px;line-height:1;color:var(--brass-deep);margin-bottom:16px}
.traps h3{font-size:clamp(21px,1.8vw,25px);margin-bottom:10px}
.traps p{font-size:15.5px;color:#2c3a41;margin:0}

@media (max-width:1020px){
  .traps{grid-template-columns:repeat(2,minmax(0,1fr))}
  .traps li:not(:nth-child(3n+1)){padding-left:0;border-left:0}
  .traps li:nth-child(even){padding-left:28px;border-left:1px solid var(--mist-line)}
  .tenure{grid-template-columns:1fr 1fr}
  .tenure li:nth-child(3){border-left:0}
  .tenure li:nth-child(n+3){margin-top:28px}
}
@media (max-width:760px){
  .vs thead{display:none}
  .vs,.vs tbody{display:block;width:auto}
  .vs tbody tr{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0 16px;padding:16px 0}
  .vs th[scope=row]{grid-column:1/-1;width:auto;padding:0 0 4px}
  .vs td,.vs td + td{width:auto;padding:0;border:0;font-size:15px}
  .vs td + td{padding-left:16px;border-left:1px solid var(--mist-line)}
  .vs td[data-l]::before{content:attr(data-l);display:block;font-family:var(--f-display);font-size:18px;color:var(--ink);margin:6px 0 2px}
  .hp-inc th[scope=row],.hp-inc td:nth-of-type(1){width:auto}
  .hp-inc tr.is-key{background:rgba(201,171,112,.13);padding:18px 14px;margin:0 -14px}
  .hp-inc tr.is-key th,.hp-inc tr.is-key td{background:none}
  .hp-inc .hp-warn{background:rgba(201,171,112,.14);border-left:2px solid var(--brass-deep);padding:2px 12px 10px;margin-top:12px}
  .hp-inc .hp-warn::before{margin-top:8px}
  .hp-legend{gap:8px 18px;font-size:13.5px}
  .tenure{grid-template-columns:1fr;border-left:0}
  .tenure li,.tenure li + li{display:grid;grid-template-columns:14px minmax(0,1fr);column-gap:18px;padding:0 0 22px;border-left:0;margin-top:0}
  .tenure__z4::before{background:linear-gradient(180deg,var(--brass) 55%,rgba(201,171,112,.15))}
  .tenure li::before{grid-row:1/3;height:auto;margin:0;border:1px solid var(--line-dark)}
  .tenure__m{padding:0;font-size:26px}
  .tenure li > div{padding:8px 0 0}
  .traps{grid-template-columns:1fr}
  .traps li,.traps li:nth-child(even),.traps li:not(:nth-child(3n+1)){padding:24px 0;border-left:0}
  .traps li::before{font-size:32px;margin-bottom:10px}
}