/* Adrian Graczyk – finansegraczyk.pl
   Fonty: Source Serif 4 + Hanken Grotesk (OFL, self-hosting, assets/fonts) */
/* latin-ext */
@font-face {
  font-family: 'Source Serif 4';
  font-style: normal;
  font-weight: 200 900;
  font-display: swap;
  src: url(fonts/source-serif-4-latin-ext.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Source Serif 4';
  font-style: normal;
  font-weight: 200 900;
  font-display: swap;
  src: url(fonts/source-serif-4-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* latin-ext */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 400 600;
  font-display: swap;
  src: url(fonts/hanken-grotesk-normal-latin-ext.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 400 600;
  font-display: swap;
  src: url(fonts/hanken-grotesk-normal-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}


/* ============ Tokeny ============ */
:root{
  --petrol-950:#08131a;   /* dół zdjęcia studyjnego */
  --petrol-900:#0f222b;   /* sekcje ciemne */
  --petrol-850:#13282f;
  --petrol-800:#183440;   /* krawędź tła zdjęcia */
  --petrol-700:#22414d;
  --petrol-glow:#365c6f;  /* poświata za sylwetką */
  --mist:#eaeef0;         /* chłodna, szara biel */
  --mist-2:#f4f6f7;
  --mist-line:#cdd5d9;
  --ink:#122129;
  --slate:#4f5e65;
  --jacket:#9fa39d;       /* szarość marynarki */
  --jacket-dark:#6f746f;
  --brass:#c9ab70;
  --brass-soft:#d9c49a;
  --brass-deep:#7a5d2c;   /* mosiądz na jasnym (AA) */
  --line-dark:rgba(201,171,112,.38);
  --line-dark-soft:rgba(234,238,240,.12);

  --f-display:"Source Serif 4", Georgia, "Times New Roman", serif;
  --f-text:"Hanken Grotesk", "Helvetica Neue", Arial, sans-serif;

  --wrap:1240px;
  --gutter:clamp(20px, 4.2vw, 64px);
  --ease:cubic-bezier(.2,.7,.2,1);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
body{
  margin:0;background:var(--petrol-900);color:var(--mist);
  font-family:var(--f-text);font-size:17px;line-height:1.6;
  font-variant-numeric:tabular-nums lining-nums;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:inherit}
button,input,textarea,select{font:inherit;color:inherit}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px}
.light :focus-visible{outline-color:var(--brass-deep)}
.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{position:absolute;left:12px;top:-60px;background:var(--brass);color:var(--petrol-950);padding:10px 16px;z-index:100;text-decoration:none}
.skip:focus{top:12px}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.dark{background:var(--petrol-900);color:var(--mist)}
.light{background:var(--mist);color:var(--ink)}
section{position:relative}

h1,h2,h3{font-family:var(--f-display);font-weight:500;letter-spacing:-.005em;margin:0;font-optical-sizing:auto}
h2{font-size:clamp(34px,4.4vw,58px);line-height:1.04}
h3{font-size:clamp(23px,2vw,28px);line-height:1.15}
p{margin:0 0 1em}

/* Znacznik sekcji: krótka mosiężna linia + nazwa (bez wersalików) */
.mark{display:flex;align-items:center;gap:14px;font-size:14px;letter-spacing:.02em;color:var(--brass);margin:0 0 22px}
.mark::before{content:"";width:44px;height:1px;background:currentColor}
.light .mark{color:var(--brass-deep)}

/* Przyciski: prostokąt, cienka mosiężna krawędź */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  min-height:52px;padding:0 26px;border:1px solid var(--brass);
  background:var(--brass);color:var(--petrol-950);text-decoration:none;
  font-weight:600;font-size:16px;letter-spacing:.01em;cursor:pointer;border-radius:2px;text-align:center;line-height:1.25;
  transition:background .25s var(--ease),color .25s var(--ease);
}
.btn:hover{background:var(--brass-soft)}
.btn--ghost{background:transparent;color:var(--mist);border-color:var(--line-dark)}
.btn--ghost:hover{background:rgba(201,171,112,.1);border-color:var(--brass)}
.light .btn{background:var(--petrol-900);border-color:var(--petrol-900);color:var(--mist)}
.light .btn:hover{background:var(--petrol-700)}
.light .btn--ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.light .jdg .btn,.light .folder .btn{background:var(--brass);border-color:var(--brass);color:var(--petrol-950)}
.light .jdg .mark,.light .folder .mark{color:var(--brass)}
.light .jdg :focus-visible,.light .folder :focus-visible{outline-color:var(--brass)}

/* ============ Nagłówek ============ */
.top{
  position:sticky;top:0;z-index:50;
  background:rgba(16,32,40,.92);backdrop-filter:saturate(1.2) blur(10px);-webkit-backdrop-filter:saturate(1.2) blur(10px);
  border-bottom:1px solid var(--line-dark-soft);
}
.top__in{display:flex;align-items:center;gap:20px;min-height:76px}
.logo{display:block;flex:none;width:168px}
.logo img{display:block;width:100%;height:auto}
.top__phone{font-size:15px;text-decoration:none;color:var(--mist);white-space:nowrap;display:flex;align-items:center;min-height:44px}
.top__phone b{font-weight:500;letter-spacing:.02em}
.top .btn{min-height:44px;padding:0 18px;font-size:15px;white-space:nowrap}
.burger{display:none;margin-left:auto;width:48px;height:48px;border:1px solid var(--line-dark);background:transparent;cursor:pointer;border-radius:2px;position:relative}
.burger span{position:absolute;left:13px;right:13px;height:1px;background:var(--mist);transition:transform .25s var(--ease),opacity .2s}
.burger span:nth-child(1){top:18px}.burger span:nth-child(2){top:24px}.burger span:nth-child(3){top:30px}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ============ Hero – wyrasta z portretu ============ */
.hero{
  overflow:hidden;
  /* kolory pobrane z tła zdjęcia: krawędzie #183440–#1b3641, poświata #365c6f, dół #08131a */
  background:
    radial-gradient(ellipse 490px 520px at calc(50% + 330px) 52%, rgba(54,92,111,.95) 0%, rgba(45,78,95,.75) 30%, rgba(30,58,70,.35) 62%, rgba(24,52,64,0) 100%),
    radial-gradient(ellipse 80% 70% at calc(50% + 330px) 40%, #1b3641 0%, #152c36 55%, #10222a 100%),
    var(--petrol-900);
}
.hero::after{ /* dolna winieta jak na zdjęciu */
  content:"";position:absolute;inset:auto 0 0 0;height:34%;pointer-events:none;
  background:linear-gradient(180deg, rgba(8,19,26,0) 0%, rgba(8,19,26,.75) 70%, var(--petrol-950) 100%);
}
.hero__in{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);min-height:min(900px,calc(100vh - 76px));position:relative;z-index:1}
.hero__text{padding:clamp(40px,4.6vw,72px) 0 96px;position:relative;z-index:2;max-width:640px}
.hero__photo{position:relative;align-self:end;justify-self:end;width:112%;max-width:650px;margin-right:-8%}
.hero__photo img{
  width:100%;height:auto;
  -webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 22%,#000 78%,transparent 100%),linear-gradient(180deg,transparent 0%,#000 16%,#000 100%);
  -webkit-mask-composite:source-in;
  mask-image:linear-gradient(90deg,transparent 0%,#000 22%,#000 78%,transparent 100%),linear-gradient(180deg,transparent 0%,#000 16%,#000 100%);
  mask-composite:intersect;
}
.hero__sign{position:absolute;z-index:2;right:-2%;bottom:56px;width:min(330px,62%);opacity:.9;pointer-events:none}
.hero__sign .crop{aspect-ratio:595/103;overflow:hidden}
.hero__sign img{display:block;width:100%;height:auto}

.switch{display:inline-grid;grid-template-columns:1fr 1fr;border:1px solid var(--line-dark);margin-bottom:40px;border-radius:2px;position:relative;max-width:100%}
.switch button{
  position:relative;z-index:1;background:transparent;border:0;cursor:pointer;text-align:left;
  padding:12px 22px 11px;min-height:60px;color:#c3cbcf;transition:color .3s var(--ease);
}
.switch button b{display:block;font-weight:600;font-size:16px;line-height:1.3}
.switch button small{display:block;font-size:13px;line-height:1.3;opacity:.8}
.switch button[aria-checked="true"]{color:var(--petrol-950)}
.switch__thumb{position:absolute;top:0;bottom:0;left:0;width:50%;background:var(--brass);transition:transform .45s var(--ease)}
.switch[data-mode="priv"] .switch__thumb{transform:translateX(100%)}

.hero h1{font-size:clamp(40px,4.8vw,70px);line-height:1.02;font-weight:500;letter-spacing:-.012em;margin-bottom:24px;text-wrap:balance}
.hero__lead{font-size:clamp(17px,1.35vw,19px);color:#c9d1d4;max-width:540px;margin-bottom:32px}
.hero__list{list-style:none;padding:0;margin:36px 0 0;max-width:520px;border-top:1px solid var(--line-dark-soft)}
.hero__list li{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid var(--line-dark-soft);font-size:16px}
.hero__list li span{color:var(--jacket);font-size:14px;text-align:right}
.hero__cta{display:flex;flex-wrap:wrap;gap:14px}
[data-swap]{transition:opacity .3s var(--ease)}
.is-swapping [data-swap]{opacity:0}

.proof{position:relative;z-index:2;border-top:1px solid var(--line-dark)}
.proof__in{display:grid;grid-template-columns:repeat(4,1fr)}
.proof__item{padding:22px 24px 26px 0;font-size:14px;color:var(--jacket);line-height:1.45}
.proof__item + .proof__item{padding-left:24px;border-left:1px solid var(--line-dark-soft)}
.proof__item strong{display:block;font-family:var(--f-display);font-weight:500;font-size:26px;color:var(--mist);line-height:1.1;margin-bottom:4px}

/* ============ Hero = jeden ekran (100svh minus menu) ============
   Wysokość nie zależy od tekstu: zdjęcie jest pozycjonowane absolutnie i wypełnia wysokość,
   odstępy i H1 skalują się z wysokością okna, a main.js rezerwuje miejsce na dłuższy wariant
   tekstu z przełącznika „Prowadzę firmę / Prywatnie”, więc przyciski nie skaczą. */
.hero__photo picture{display:contents}
@media (min-width:761px){
  .hero{display:flex;flex-direction:column;height:calc(100vh - 76px);height:calc(100svh - 76px);min-height:600px}
  .hero__in{flex:1 1 auto;min-height:0}
  .hero__text{align-self:center;padding:clamp(12px,2.6vh,40px) 0 clamp(16px,3vh,48px)}
  .hero__photo{align-self:stretch;height:auto}
  .hero__photo img{position:absolute;bottom:0;left:50%;transform:translateX(-50%);height:100%;width:auto;max-width:none}
  .switch{margin-bottom:clamp(14px,3.4vh,40px)}
  .hero h1{font-size:clamp(34px,min(4.6vw,6.2vh),68px);margin-bottom:clamp(10px,2.2vh,24px)}
  .hero__lead{font-size:clamp(16px,min(1.35vw,2.15vh),19px);margin-bottom:clamp(14px,3vh,32px);max-width:600px}
  .hero__list{margin-top:clamp(14px,3.2vh,36px)}
  .hero__list a{padding:clamp(4px,.8vh,10px) 0;font-size:15px;line-height:1.4}
  .proof__item{padding:clamp(10px,2.2vh,22px) 24px clamp(12px,2.4vh,26px) 0}
  .proof__item strong{font-size:clamp(20px,2.8vh,26px)}
}
/* ekrany do 900 px wysokości (większość laptopów): lista produktów w hero chowa się – te same linki są w menu i niżej */
@media (min-width:761px) and (max-height:900px){
  .hero__list{display:none}
}
@media (min-width:761px) and (max-width:1180px){
  .hero h1{font-size:clamp(32px,min(4.1vw,6vh),56px)}
  .hero__cta .btn{padding:0 18px}
  .proof__item{padding-top:clamp(8px,1.6vh,18px);padding-bottom:clamp(8px,1.8vh,20px)}
}
@media (min-width:1021px) and (max-width:1180px){
  .proof__in{grid-template-columns:repeat(4,1fr)}
  .proof__item:nth-child(3){padding-left:24px;border-left:1px solid var(--line-dark-soft)}
  .proof__item:nth-child(n+3){border-top:0}
}
/* telefon (do 760 px): zdjęcie zostaje pod tekstem w pełnym rozmiarze – w 100vh byłoby miniaturką */

/* ============ Kredyty dla firm ============ */
.biz{padding:clamp(80px,10vw,140px) 0}
.biz__grid{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:clamp(32px,6vw,96px)}
.biz__head{position:sticky;top:110px;align-self:start}
.biz__head p{color:var(--slate);max-width:360px}
.biz__head h2{margin-bottom:24px}
.biz__head h2,.steps h2,.faq h2{font-size:clamp(34px,3.6vw,50px)}
.faq h2{hyphens:manual}
a[href^="tel:"]{white-space:nowrap}

.prod{border-top:1px solid var(--ink)}
.prod details{border-bottom:1px solid var(--mist-line)}
.prod summary{
  list-style:none;cursor:pointer;display:grid;grid-template-columns:1fr auto;gap:8px 24px;align-items:baseline;
  padding:26px 0 24px;min-height:44px;
}
.prod summary::-webkit-details-marker{display:none}
.prod summary h3{font-size:clamp(24px,2.2vw,31px)}
.prod summary p{grid-column:1;margin:0;color:var(--slate);font-size:16px}
.prod__plus{grid-row:1/3;grid-column:2;align-self:center;width:44px;height:44px;border:1px solid var(--mist-line);position:relative;border-radius:2px;transition:border-color .2s}
.prod__plus::before,.prod__plus::after{content:"";position:absolute;left:50%;top:50%;width:14px;height:1px;background:var(--ink);transform:translate(-50%,-50%);transition:transform .3s var(--ease)}
.prod__plus::after{transform:translate(-50%,-50%) rotate(90deg)}
.prod details[open] .prod__plus::after{transform:translate(-50%,-50%) rotate(0)}
.prod summary:hover .prod__plus{border-color:var(--brass-deep)}
.prod__body{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;padding:4px 0 34px}
.prod__body h4{font-family:var(--f-text);font-size:13px;font-weight:600;letter-spacing:.04em;color:var(--brass-deep);margin:0 0 8px;padding-top:12px;border-top:1px solid var(--mist-line)}
.prod__body p,.prod__body ul{font-size:15.5px;color:#2c3a41;margin:0;line-height:1.55}
.prod__body ul{padding-left:18px}

.jdg{margin-top:56px;background:var(--petrol-900);color:var(--mist);padding:clamp(28px,4vw,52px);position:relative}
.jdg::before{content:"";position:absolute;inset:10px;border:1px solid var(--line-dark);pointer-events:none}
.jdg h3{font-size:clamp(27px,2.8vw,38px);margin-bottom:12px}
.jdg > p{color:#c3cbcf;max-width:600px}
.jdg table{width:100%;border-collapse:collapse;margin:26px 0 18px;font-size:15.5px}
.jdg th,.jdg td{text-align:left;vertical-align:top;padding:14px 16px 14px 0;border-top:1px solid var(--line-dark-soft)}
.jdg th{font-family:var(--f-display);font-weight:500;font-size:21px;white-space:nowrap;color:var(--brass);width:30%}
.jdg td{color:#d3d9dc}
.jdg .note{font-size:13.5px;color:var(--jacket);margin:0}
.jdg .btn{margin-top:22px}

/* ============ Kalkulator ============ */
.calc{padding:clamp(80px,10vw,140px) 0;background:linear-gradient(180deg,var(--petrol-900),#0d1e26)}
.calc__head{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:40px;align-items:end;margin-bottom:56px}
.calc__head p{color:#c3cbcf;margin:0}
.calc__box{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);border:1px solid var(--line-dark)}
.calc__form{padding:clamp(24px,3vw,40px);border-right:1px solid var(--line-dark)}
.calc__out{padding:clamp(24px,3vw,40px);background:rgba(54,92,111,.12)}
fieldset{border:0;margin:0;padding:0;min-width:0}
legend{padding:0}
.f{margin-bottom:24px}
.f label,.f .lbl{display:flex;justify-content:space-between;gap:12px;font-size:14px;color:#c3cbcf;margin-bottom:8px}
.f label output{color:var(--mist);font-weight:500}
.seg{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line-dark-soft);border-radius:2px}
.seg label{margin:0;position:relative;display:flex;align-items:center;justify-content:center;min-height:48px;cursor:pointer;color:#c3cbcf;font-size:15px;text-align:center;padding:4px 8px}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg input:checked + span{color:var(--petrol-950)}
.seg label:has(input:checked){background:var(--brass)}
.seg label:has(input:focus-visible){outline:2px solid var(--brass);outline-offset:2px}
.num{display:flex;align-items:center;border-bottom:1px solid var(--line-dark);transition:border-color .2s}
.num:focus-within{border-color:var(--brass)}
.num input{flex:1;min-width:0;background:transparent;border:0;padding:8px 0;font-size:24px;font-family:var(--f-display);font-weight:500;color:var(--mist);outline:none;font-variant-numeric:lining-nums tabular-nums}
.num span{color:var(--jacket);font-size:15px}
input[type=range]{width:100%;margin:14px 0 0;accent-color:var(--brass);height:28px;background:transparent}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.f-sub{font-size:13px;color:var(--jacket);margin:-12px 0 22px}
.calc__leasing{border-top:1px solid var(--line-dark-soft);padding-top:22px;margin-top:6px}
.calc__leasing legend{float:left;width:100%;font-family:var(--f-display);font-size:21px;margin-bottom:16px;color:var(--mist)}
.calc__leasing legend + *{clear:both}

.res{display:grid;grid-template-columns:1fr 1fr;gap:0;border-bottom:1px solid var(--line-dark-soft)}
.res__col{padding:0 24px 24px 0}
.res__col + .res__col{padding-left:24px;border-left:1px solid var(--line-dark-soft)}
.res__name{font-size:14px;color:var(--jacket);display:flex;align-items:center;gap:8px}
.res__name i{display:inline-block;width:10px;height:10px}
.res__big{font-family:var(--f-display);font-size:clamp(34px,3.6vw,50px);line-height:1.1;font-weight:500;margin:8px 0 2px;white-space:nowrap}
.res__big small{font-family:var(--f-text);font-size:15px;color:var(--jacket);font-weight:400;margin-left:4px}
.res dl{margin:16px 0 0;font-size:14.5px}
.res dl div{display:flex;justify-content:space-between;gap:12px;padding:6px 0;border-top:1px solid rgba(234,238,240,.07)}
.res dt{color:#b5bec2}
.res dd{margin:0;text-align:right}

.viz{margin:28px 0 8px}
.viz__row{display:grid;grid-template-columns:76px 1fr;gap:14px;align-items:center;margin-bottom:14px;font-size:14px;color:#c3cbcf}
.bar{display:flex;height:30px;background:rgba(234,238,240,.05);position:relative}
.bar span{display:block;height:100%;transition:width .6s var(--ease)}
.c-cap{background:var(--petrol-glow)}
.c-int{background:var(--brass)}
.c-down{background:var(--jacket)}
.c-buy{background:repeating-linear-gradient(135deg,var(--brass-soft) 0 3px,rgba(217,196,154,.45) 3px 6px)}
.legend{display:flex;flex-wrap:wrap;gap:8px 20px;font-size:13px;color:var(--jacket);margin:4px 0 0 90px}
.legend i{display:inline-block;width:10px;height:10px;margin-right:6px;vertical-align:-1px}
.verdict{font-family:var(--f-display);font-size:clamp(20px,1.8vw,24px);line-height:1.35;margin:26px 0 12px;color:var(--mist)}
.disclaimer{font-size:13px;color:var(--jacket);margin:0;line-height:1.5}
.calc__cta{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-top:24px}

/* ============ Kredyty prywatne ============ */
.priv{padding:clamp(80px,10vw,130px) 0}
.priv__top{display:grid;grid-template-columns:minmax(0,6fr) minmax(0,5fr);gap:40px;align-items:end;margin-bottom:56px}
.priv__top p{color:var(--slate);margin:0}
.priv__list{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;border-top:1px solid var(--ink)}
.priv__item{padding:28px 28px 30px 0}
.priv__item + .priv__item{padding-left:28px;border-left:1px solid var(--mist-line)}
.priv__item h3{margin-bottom:14px}
.priv__item p{font-size:15.5px;color:#2c3a41}
.priv__item .need{font-size:14px;color:var(--slate);border-top:1px solid var(--mist-line);padding-top:12px;margin:0}
.priv__item--main h3{font-size:clamp(28px,2.6vw,36px)}

/* ============ Jak pracujemy ============ */
.steps{padding:clamp(70px,9vw,120px) 0;background:var(--mist-2)}
.steps__grid{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:clamp(32px,6vw,96px)}
.steps ol{list-style:none;margin:0;padding:0;counter-reset:s}
.steps li{display:grid;grid-template-columns:110px 1fr;gap:24px;padding:30px 0;border-top:1px solid var(--mist-line)}
.steps li:last-child{border-bottom:1px solid var(--mist-line)}
.steps li::before{counter-increment:s;content:counter(s);font-family:var(--f-display);font-size:64px;line-height:.9;color:var(--brass-deep);font-weight:400}
.steps li h3{margin-bottom:10px}
.steps li p{color:#2c3a41;margin:0;max-width:560px}

/* ============ O Adrianie ============ */
.about{padding:clamp(80px,10vw,140px) 0;overflow:hidden}
.about__grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(32px,6vw,100px);align-items:start}
.about__text p{color:#cbd2d5;font-size:17.5px}
.about__body{columns:2;column-gap:40px;margin-bottom:44px}
.about__body .about__sign,.about__body .about__role{break-inside:avoid}
.about__text p.first{font-family:var(--f-display);font-size:clamp(24px,2.3vw,31px);line-height:1.3;color:var(--mist)}
.about__sign{width:250px;margin:30px 0 4px}
.about__sign .crop{aspect-ratio:595/103;overflow:hidden}
.about__sign img{display:block;width:100%;height:auto;opacity:.9}
.about__role{font-size:14px;color:var(--jacket)}
.team{border:1px solid var(--line-dark);padding:28px;position:relative}
.team__ph{aspect-ratio:16/10;display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line-dark-soft);margin-bottom:22px}
.team__ph div{background:var(--petrol-850);display:grid;place-items:center;font-family:var(--f-display);font-size:clamp(22px,2.4vw,34px);color:rgba(201,171,112,.55)}
.team__ph div:first-child{grid-column:span 2;grid-row:span 2;font-size:clamp(34px,4vw,56px);color:var(--brass);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;text-align:center}
.team__ph small{font-family:var(--f-text);font-size:12.5px;color:var(--jacket);letter-spacing:.02em}
.team p{color:#c3cbcf;font-size:15.5px;margin:0}
.team__caption{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-top:18px;padding-top:16px;border-top:1px solid var(--line-dark-soft);font-size:14px;color:var(--jacket)}
.team__caption a{color:var(--brass);text-underline-offset:4px}

/* ============ Więcej niż kredyt ============ */
.more{padding:clamp(80px,10vw,130px) 0}
.more__grid{display:grid;grid-template-columns:minmax(0,6fr) minmax(0,6fr);gap:clamp(32px,5vw,80px)}
.folder{position:relative;padding:clamp(28px,3.4vw,44px);background:var(--petrol-900);color:var(--mist)}
.folder::before{content:"";position:absolute;inset:10px;border:1px solid var(--line-dark);pointer-events:none}
.folder__tab{position:absolute;top:-1px;right:clamp(28px,4vw,52px);width:120px;height:14px;background:var(--petrol-900);transform:translateY(-100%);clip-path:polygon(10% 0,90% 0,100% 100%,0 100%)}
.folder h3{font-size:clamp(28px,3vw,40px);margin:4px 0 14px}
.folder > p{color:#c3cbcf}
.folder ul{list-style:none;padding:0;margin:20px 0 0;columns:2;column-gap:28px;font-size:15px}
.folder li{break-inside:avoid;padding:8px 0;border-top:1px solid var(--line-dark-soft);color:#d3d9dc}
.folder .note{font-size:13px;color:var(--jacket);margin:18px 0 0}
.more__list{border-top:1px solid var(--ink)}
.more__list > div{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.5fr);gap:20px;padding:22px 0;border-bottom:1px solid var(--mist-line)}
.more__list h3{font-size:23px}
.more__list p{margin:0;font-size:15.5px;color:#2c3a41}
.more__intro{color:var(--slate);margin-bottom:28px;max-width:520px}

/* ============ Opinie ============ */
.ops{padding:clamp(80px,10vw,130px) 0}
/* Opinie: karty z cytatem, wyróżnionym fragmentem i podpisem z inicjałami */
.reviews{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.reviews--3{grid-template-columns:repeat(3,minmax(0,1fr))}
.review{margin:0;display:flex;flex-direction:column;padding:clamp(24px,2.6vw,36px);border:1px solid var(--line-dark);background:rgba(8,19,26,.32);transition:border-color .3s var(--ease)}
.review:hover{border-color:rgba(201,171,112,.45)}
.review__q{width:30px;height:auto;color:var(--brass);flex:none}
.review blockquote{margin:20px 0 28px;font-size:16.5px;line-height:1.7;color:#b7c1c5}
.review blockquote b{font-weight:600;color:var(--mist)}
.review figcaption{margin-top:auto;display:flex;align-items:center;gap:14px;padding-top:20px;border-top:1px solid var(--line-dark-soft)}
.review figcaption > span:last-child{display:flex;flex-direction:column;gap:2px}
.review figcaption b{color:var(--mist);font-weight:600;font-size:15.5px}
.review figcaption small{color:var(--jacket);font-size:13.5px}
.review__av{width:44px;height:44px;flex:none;border-radius:50%;display:grid;place-items:center;background:rgba(201,171,112,.14);border:1px solid rgba(201,171,112,.5);color:var(--brass);font-weight:600;font-size:15px;letter-spacing:.02em}
.about + .ops{padding-top:0}

.partners{border-top:1px solid var(--line-dark-soft);border-bottom:1px solid var(--line-dark-soft);margin-top:96px;padding:30px 0}
.partners__row{display:grid;grid-template-columns:180px minmax(0,1fr);gap:24px;align-items:baseline}
.partners__row + .partners__row{margin-top:18px}
.partners__row span{font-size:14px;color:var(--jacket)}
.partners__row p{margin:0;font-family:var(--f-display);font-size:clamp(18px,1.6vw,22px);line-height:1.6;color:#d7dde0}
.partners__row p i{font-style:normal;color:var(--brass);padding:0 .1em}
.partners small{display:block;margin-top:16px;font-size:13px;color:var(--jacket)}

/* ============ FAQ ============ */
.faq{padding:clamp(80px,10vw,130px) 0}
.faq__grid{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:clamp(32px,6vw,96px)}
.faq__grid > div:first-child p{color:var(--slate)}
.faq details{border-bottom:1px solid var(--mist-line)}
.faq details:first-child{border-top:1px solid var(--ink)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:24px;align-items:center;padding:22px 0;font-family:var(--f-display);font-size:clamp(20px,1.8vw,24px);line-height:1.3;min-height:44px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:12px;height:12px;border-right:1px solid var(--ink);border-bottom:1px solid var(--ink);transform:rotate(45deg) translate(-3px,-3px);transition:transform .3s var(--ease)}
.faq details[open] summary::after{transform:rotate(225deg) translate(-3px,-3px)}
.faq details p{color:#2c3a41;max-width:640px;margin:0 0 24px}

/* ============ Kontakt ============ */
.contact{padding:clamp(80px,10vw,130px) 0 clamp(70px,8vw,110px)}
.contact__grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(32px,6vw,96px)}
.contact__info p{color:#c3cbcf}
.contact__phone{display:block;font-family:var(--f-display);font-size:clamp(36px,4.2vw,56px);text-decoration:none;line-height:1.1;margin:24px 0 8px;font-weight:500}
.contact__phone:hover{color:var(--brass)}
.contact__mail{color:var(--brass);text-underline-offset:5px;font-size:18px;display:inline-block;padding:10px 0;margin:-10px 0} /* większy cel dotyku bez zmiany układu */
.contact dl{margin:36px 0 0;font-size:15px}
.contact dl div{display:grid;grid-template-columns:120px 1fr;gap:16px;padding:12px 0;border-top:1px solid var(--line-dark-soft)}
.contact dt{color:var(--jacket)}
.contact dd{margin:0}
.contact dd a{color:var(--mist);text-underline-offset:4px;margin-right:14px;display:inline-flex;min-height:28px;align-items:center}
.form{border:1px solid var(--line-dark);padding:clamp(24px,3.4vw,44px);position:relative}
.form h3{margin-bottom:24px}
.form .f input,.form .f textarea{width:100%;background:transparent;border:0;border-bottom:1px solid var(--line-dark);padding:10px 0;font-size:17px;color:var(--mist);outline:none;border-radius:0}
.form .f textarea{min-height:90px;resize:vertical}
.form .f input:focus,.form .f textarea:focus{border-color:var(--brass)}
.form .f label{color:#c3cbcf}
.form .f label em{font-style:normal;color:var(--jacket)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:4px}
.chips label{margin:0;cursor:pointer;position:relative}
.chips input{position:absolute;opacity:0}
.chips span{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border:1px solid var(--line-dark-soft);font-size:15px;color:#c3cbcf;border-radius:2px;transition:background .2s,color .2s,border-color .2s}
.chips input:checked + span{background:var(--brass);color:var(--petrol-950);border-color:var(--brass)}
.chips input:focus-visible + span{outline:2px solid var(--brass);outline-offset:2px}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:13.5px;color:var(--jacket);line-height:1.5;margin:6px 0 26px;cursor:pointer}
.consent input{width:20px;height:20px;flex:none;margin-top:1px;accent-color:var(--brass)}
.consent a{color:#c3cbcf}
.form__err{color:#e8c98c;font-size:14px;margin:-6px 0 14px;min-height:0}
.form .f select{width:100%;background:transparent;border:0;border-bottom:1px solid var(--line-dark);padding:10px 24px 10px 0;font-size:17px;color:var(--mist);outline:none;border-radius:0;-webkit-appearance:none;appearance:none;min-height:44px;cursor:pointer;
  background-image:linear-gradient(45deg,transparent 50%,var(--brass) 50%),linear-gradient(135deg,var(--brass) 50%,transparent 50%);background-position:calc(100% - 10px) 52%,calc(100% - 5px) 52%;background-size:5px 5px;background-repeat:no-repeat}
.form .f select:focus{border-color:var(--brass)}
.form .f select:focus-visible{outline:2px solid var(--brass);outline-offset:2px}
.form .f select option{color:#111;background:#fff}
.f--hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.form__note{font-size:13.5px;color:var(--jacket);margin:14px 0 0}
.form button[disabled]{opacity:.6;cursor:progress}
.contact__next{list-style:none;counter-reset:n;margin:26px 0 0;padding:0;font-size:15px;color:#c3cbcf}
.contact__next li{counter-increment:n;display:grid;grid-template-columns:28px 1fr;gap:8px;padding:8px 0;border-top:1px solid var(--line-dark-soft)}
.contact__next li::before{content:counter(n) ".";color:var(--brass);font-weight:600}
.form__ok{display:none;padding:8px 0}
.form__ok h3{margin-bottom:12px}
.form__ok p{color:#c3cbcf}
.form.is-sent .form__fields{display:none}
.form.is-sent .form__ok{display:block}

/* ============ Stopka ============ */
.foot{background:var(--petrol-950);color:#aeb7bb;font-size:14px;padding:64px 0 40px;border-top:1px solid var(--line-dark)}
.foot__grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
.foot .logo{width:200px;margin-bottom:18px}
.foot h4{font-family:var(--f-text);font-size:13px;color:var(--brass);font-weight:600;letter-spacing:.04em;margin:0 0 12px}
.foot h4.foot__h4-next{margin-top:28px}
.foot ul{list-style:none;margin:0;padding:0}
.foot li a{display:inline-flex;min-height:32px;align-items:center;text-decoration:none}
.foot li a:hover{color:var(--brass)}
.foot__legal{margin-top:48px;padding-top:22px;border-top:1px solid var(--line-dark-soft);display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;font-size:13px;color:#8d989d}
.foot__legal p{margin:0;max-width:720px}

/* ============ Pasek telefonu ============ */
.dock{
  position:fixed;left:0;right:0;bottom:0;z-index:60;display:none;
  grid-template-columns:1fr 1fr;background:var(--petrol-950);border-top:1px solid var(--line-dark);
  padding:8px 10px calc(8px + env(safe-area-inset-bottom));gap:8px;transition:transform .35s var(--ease),visibility 0s;
}
.dock a{min-height:48px;display:flex;align-items:center;justify-content:center;gap:8px;text-decoration:none;font-weight:600;font-size:15px;border:1px solid var(--line-dark);border-radius:2px}
.dock a:first-child{background:var(--brass);color:var(--petrol-950);border-color:var(--brass)}
.dock.is-hidden,.dock:not(.is-on){transform:translateY(110%);visibility:hidden;transition:transform .35s var(--ease),visibility 0s .35s}
.dock svg{width:18px;height:18px}

/* ============ Responsywność ============ */
@media (min-width:1021px) and (max-width:1180px){
  .top .burger{margin-left:0}
}
/* Telefon w nagłówku tylko tam, gdzie jest miejsce: przy pełnym menu (od 1181 px) się nie mieści */
@media (min-width:1181px){
  .top__phone{display:none}
}
@media (max-width:1020px){
  .top__phone{display:none}
  .top .btn--top{display:none}

  .hero__in{grid-template-columns:1fr 1fr}
  .proof__in{grid-template-columns:repeat(2,1fr)}
  .proof__item:nth-child(3){padding-left:0;border-left:0}
  .proof__item:nth-child(n+3){border-top:1px solid var(--line-dark-soft)}
  .biz__grid,.steps__grid,.faq__grid,.about__grid,.contact__grid,.more__grid{grid-template-columns:1fr}
  .biz__head{position:static}
  .calc__head{grid-template-columns:1fr}
  .calc__box{grid-template-columns:minmax(0,1fr)}
  .calc__form{border-right:0;border-bottom:1px solid var(--line-dark)}
  .priv__top{grid-template-columns:1fr}
  .priv__list{grid-template-columns:1fr 1fr}
  .priv__item:nth-child(3){padding-left:0;border-left:0}
  .priv__item:nth-child(n+3){border-top:1px solid var(--mist-line)}
  .foot__grid{grid-template-columns:1fr 1fr}
  .dock{display:grid}
  .foot{padding-bottom:40px}
}

@media (max-width:760px){
  body{font-size:16px}
  .top__in{min-height:64px}
  .logo{width:136px}
  html{scroll-padding-top:72px}
  .hero__in{grid-template-columns:1fr;min-height:0}
  .hero__text{padding:24px 0 8px}
  .switch{display:grid;width:100%;margin-bottom:26px}
  .switch button{padding:10px 14px;min-height:56px}
  .switch button b{font-size:15px}
  .hero h1{font-size:clamp(33px,9.4vw,44px);margin-bottom:18px}
  .hero__lead{margin-bottom:22px}
  .hero__list{display:none}
  .hero__cta .btn{flex:1 1 100%;padding:0 14px}
  .hero__photo{max-width:420px;margin:-10px auto 0;width:92%}
  .hero__photo img{
    -webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 18%,#000 82%,transparent 100%),linear-gradient(180deg,transparent 0%,#000 22%,#000 100%);
    mask-image:linear-gradient(90deg,transparent 0%,#000 18%,#000 82%,transparent 100%),linear-gradient(180deg,transparent 0%,#000 22%,#000 100%);
  }
  .hero{
    background:
      radial-gradient(ellipse 70% 30% at 50% 66%, rgba(54,92,111,.9) 0%, rgba(40,72,88,.55) 45%, rgba(24,52,64,0) 100%),
      linear-gradient(180deg,#10222a 0%,#16303b 45%,#183440 70%,#10222a 100%);
  }
  .hero__sign{right:auto;left:50%;transform:translateX(-50%);bottom:30px;width:74%}
  .proof__item{padding:18px 12px 20px 0}
  .proof__item + .proof__item{padding-left:12px}
  .proof__item:nth-child(3){padding-left:0}
  .proof__item strong{font-size:22px}
  .prod__body{grid-template-columns:1fr;gap:16px}
  .jdg th,.jdg td{display:block;width:auto;padding:0}
  .jdg th{padding-top:16px;margin-bottom:4px}
  .jdg td{border-top:0;padding-bottom:16px}
  .jdg tr{display:block;border-top:1px solid var(--line-dark-soft)}
  .jdg th{border-top:0}
  .priv__list{grid-template-columns:1fr}
  .priv__item,.priv__item + .priv__item{padding:24px 0;border-left:0}
  .priv__item + .priv__item{border-top:1px solid var(--mist-line)}
  .steps li{grid-template-columns:56px 1fr;gap:14px}
  .steps li::before{font-size:44px}
  .reviews,.reviews--3{grid-template-columns:1fr}
  .partners__row{grid-template-columns:minmax(0,1fr);gap:6px}
  .more__list > div{grid-template-columns:1fr;gap:6px}
  .folder ul{columns:1}
  .contact dl div{grid-template-columns:1fr;gap:2px}
  .foot__grid{grid-template-columns:1fr}
  .team{padding:18px}
  .about__body{columns:1}
}
@media (max-width:480px){
  .res__col{padding:0 12px 18px 0}
  .res__col + .res__col{padding-left:12px}
  .res__big{font-size:27px}
  .res__big small{display:block;margin:2px 0 0;font-size:13px}
  .res dl{font-size:13.5px}
  .res dl div{flex-direction:column;gap:0}
  .res dd{text-align:left;font-weight:500}
  .f-row{grid-template-columns:1fr;gap:0}
  .viz__row{grid-template-columns:1fr;gap:6px}
  .legend{margin-left:0}
  .proof__in{grid-template-columns:1fr 1fr}
}
@media (max-width:360px){
  .switch button{padding:8px 10px}
  .switch button small{font-size:12px}
  .hero h1{font-size:31px}
  .chips span{padding:0 12px;font-size:14px}
  .jdg{padding:22px}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{transition:none!important;animation:none!important}
  html{scroll-behavior:auto}
}

/* =====================================================================
   PODSTRONY – komponenty wspólne (dopisane do języka kierunku A)
   ===================================================================== */

/* ---------- Menu z rozwijanymi panelami ---------- */
.top{position:sticky}
.menu{margin-left:auto}
.menu__list{list-style:none;margin:0;padding:0;display:flex;gap:2px;align-items:center}
.menu__item > a,.menu__btn{
  display:flex;align-items:center;gap:8px;min-height:44px;padding:0 10px;font-size:15px;white-space:nowrap;
  text-decoration:none;color:#d4dadd;background:none;border:0;cursor:pointer;transition:color .2s;position:relative
}
.menu__btn i{width:7px;height:7px;border-right:1px solid currentColor;border-bottom:1px solid currentColor;transform:rotate(45deg) translate(-2px,-2px);transition:transform .25s var(--ease)}
.menu__btn[aria-expanded="true"] i{transform:rotate(225deg) translate(-2px,-2px)}
.menu__item > a:hover,.menu__btn:hover,.menu__btn[aria-expanded="true"]{color:var(--brass)}
.menu__item.is-current > a,.menu__item.is-current > .menu__btn{color:var(--mist)}
.menu__item.is-current > a::after,.menu__item.is-current > .menu__btn::after{content:"";position:absolute;left:10px;right:10px;bottom:4px;height:1px;background:var(--brass)}
.sub{
  position:absolute;left:0;right:0;top:100%;background:var(--petrol-950);border-top:1px solid var(--line-dark-soft);border-bottom:1px solid var(--line-dark);
  display:none;box-shadow:0 30px 60px rgba(4,10,14,.45)
}
.menu__btn[aria-expanded="true"] + .sub{display:block}
.sub__in{max-width:var(--wrap);margin:0 auto;padding:34px var(--gutter) 40px;display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:56px}
.sub__intro{margin:0;color:#c3cbcf;font-size:15.5px;line-height:1.55}
.sub__intro strong{display:block;font-family:var(--f-display);font-weight:500;font-size:30px;line-height:1.1;color:var(--mist);margin:0 0 12px}
.sub__intro a{color:var(--brass);text-underline-offset:4px}
.sub__links{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:0 40px;border-top:1px solid var(--line-dark)}
.sub__links a{display:grid;grid-template-columns:1fr auto;gap:2px 16px;padding:16px 0 15px;border-bottom:1px solid var(--line-dark-soft);text-decoration:none;color:var(--mist)}
.sub__links a b{font-family:var(--f-display);font-weight:500;font-size:21px;line-height:1.2}
.sub__links a span{grid-column:1;font-size:14px;color:var(--jacket)}
.sub__links a::after{content:"→";grid-row:1/3;grid-column:2;align-self:center;color:var(--brass);transition:transform .25s var(--ease)}
.sub__links a:hover b{color:var(--brass)}
.sub__links a:hover::after{transform:translateX(4px)}
.sub__links a[aria-current="page"] b{color:var(--brass)}
.menu__extra{display:none}

/* ---------- Okruszki ---------- */
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px 0;font-size:14px;color:var(--jacket)}
.crumbs li{display:flex;align-items:center}
.crumbs li + li::before{content:"/";margin:0 10px;color:rgba(201,171,112,.6)}
.crumbs a{color:#c3cbcf;text-decoration:none;min-height:32px;display:inline-flex;align-items:center}
.crumbs a:hover{color:var(--brass)}
.crumbs [aria-current]{color:var(--mist)}

/* ---------- Nagłówek podstrony ---------- */
.phero{
  padding:clamp(28px,3.4vw,44px) 0 clamp(56px,7vw,96px);overflow:hidden;
  background:
    radial-gradient(ellipse 620px 420px at 82% 30%, rgba(54,92,111,.55) 0%, rgba(30,58,70,.25) 55%, rgba(24,52,64,0) 100%),
    linear-gradient(180deg,#132a34 0%,var(--petrol-900) 70%,#0d1e26 100%);
  border-bottom:1px solid var(--line-dark)
}
.phero__grid{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,4fr);gap:clamp(32px,6vw,96px);align-items:end;margin-top:clamp(36px,5vw,72px)}
.phero h1{font-size:clamp(38px,4.6vw,66px);line-height:1.04;letter-spacing:-.012em;text-wrap:balance;margin-bottom:22px}
.phero__lead{font-size:clamp(17px,1.35vw,19px);color:#c9d1d4;max-width:620px;margin-bottom:30px}
.phero__cta{display:flex;flex-wrap:wrap;gap:14px}
.phero__aside{border:1px solid var(--line-dark);padding:24px 26px 18px;position:relative;background:rgba(8,19,26,.35)}
.phero__label{font-size:13px;letter-spacing:.04em;color:var(--brass);margin:0 0 6px}
.toc{list-style:none;margin:0;padding:0;counter-reset:t}
.toc li{counter-increment:t}
.toc a{display:grid;grid-template-columns:34px 1fr auto;gap:8px;align-items:baseline;padding:11px 0;border-top:1px solid var(--line-dark-soft);text-decoration:none;color:var(--mist);font-size:15.5px;line-height:1.35}
.toc li:first-child a{border-top:0}
.toc a::before{content:counter(t,decimal-leading-zero);font-family:var(--f-display);color:var(--brass);font-size:15px}
.toc a::after{content:"↓";color:var(--jacket);font-size:13px;transition:transform .25s var(--ease)}
.toc a:hover{color:var(--brass)}
.toc a:hover::after{transform:translateY(3px);color:var(--brass)}
.phero__facts{list-style:none;margin:0;padding:0}
.phero__facts li{padding:12px 0;border-top:1px solid var(--line-dark-soft);font-size:14.5px;color:#c3cbcf}
.phero__facts li:first-child{border-top:0}
.phero__facts strong{display:block;font-family:var(--f-display);font-weight:500;font-size:22px;color:var(--mist);line-height:1.2}

/* ---------- Sekcje ogólne ---------- */
.sec{padding:clamp(72px,9vw,128px) 0}
.sec--soft{background:var(--mist-2)}
.sec--tight{padding:clamp(56px,6vw,88px) 0}
.sec__head{display:grid;grid-template-columns:minmax(0,6fr) minmax(0,5fr);gap:24px clamp(32px,5vw,80px);align-items:end;margin-bottom:clamp(36px,4.5vw,60px)}
.sec__head h2{font-size:clamp(32px,3.8vw,52px)}
.sec__head p{margin:0;color:var(--slate)}
.dark .sec__head p{color:#c3cbcf}
.split{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:clamp(32px,6vw,96px)}
.split__head{position:sticky;top:110px;align-self:start}
.split__head h2{font-size:clamp(32px,3.6vw,48px);margin-bottom:20px}
.split__head p{color:var(--slate)}
.dark .split__head p{color:#c3cbcf}
.anchor{scroll-margin-top:100px}

/* Treść długa (polityka, kariera, opisy) */
.prose{max-width:720px}
.prose h2{font-size:clamp(28px,2.8vw,38px);margin:48px 0 16px}
.prose h3{font-size:clamp(21px,1.8vw,25px);margin:32px 0 10px}
.prose p,.prose li{color:#2c3a41}
.prose ul,.prose ol{padding-left:20px;margin:0 0 1em}
.prose li{margin-bottom:6px}
.prose a{color:var(--brass-deep);text-underline-offset:4px}
.dark .prose p,.dark .prose li{color:#cbd2d5}
.dark .prose a{color:var(--brass)}

/* Lista „co sprawdzamy / co przygotować” */
.ticks{list-style:none;margin:0;padding:0}
.ticks li{position:relative;padding:10px 0 10px 28px;border-top:1px solid var(--mist-line);font-size:15.5px;color:#2c3a41}
.ticks li::before{content:"";position:absolute;left:2px;top:17px;width:11px;height:6px;border-left:1px solid var(--brass-deep);border-bottom:1px solid var(--brass-deep);transform:rotate(-45deg)}
.dark .ticks li{border-color:var(--line-dark-soft);color:#d3d9dc}
.dark .ticks li::before{border-color:var(--brass)}

/* Karty w siatce (bez ikon w kółkach – linia, numer, tytuł) */
.cols{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--ink)}
.cols--2{grid-template-columns:repeat(2,minmax(0,1fr))}
.cols--4{grid-template-columns:repeat(4,minmax(0,1fr))}
.cols > *{padding:28px 28px 30px 0}
.cols > * + *{padding-left:28px;border-left:1px solid var(--mist-line)}
.cols h3{margin-bottom:12px}
.cols p{font-size:15.5px;color:#2c3a41}
.cols .need{font-size:14px;color:var(--slate);border-top:1px solid var(--mist-line);padding-top:12px;margin:0}
.dark .cols{border-color:var(--line-dark)}
.dark .cols > * + *{border-color:var(--line-dark-soft)}
.dark .cols p{color:#c3cbcf}

/* Tabela-zestawienie (z kierunku C, w języku A) */
.ledger{width:100%;border-collapse:collapse;font-size:15.5px;border-top:1px solid var(--ink)}
.ledger caption{text-align:left;font-size:14px;color:var(--slate);padding:0 0 12px}
.ledger th,.ledger td{text-align:left;vertical-align:top;padding:22px 20px 22px 0;border-bottom:1px solid var(--mist-line)}
.ledger thead th{font-family:var(--f-text);font-weight:600;font-size:13px;letter-spacing:.04em;color:var(--brass-deep);padding:14px 20px 12px 0}
.ledger td.pos{font-family:var(--f-display);font-size:30px;line-height:1;color:var(--brass-deep);width:64px}
.ledger th[scope=row]{font-family:var(--f-display);font-weight:500;font-size:clamp(21px,1.8vw,25px);line-height:1.2;width:24%}
.ledger th[scope=row] small{display:block;font-family:var(--f-text);font-size:14px;color:var(--slate);margin-top:6px;line-height:1.4}
.ledger th[scope=row] a{text-decoration:none}
.ledger th[scope=row] a:hover{color:var(--brass-deep)}
.ledger ul{margin:0;padding-left:16px;color:#2c3a41}
.ledger li{margin-bottom:4px}
.ledger tr.is-key td,.ledger tr.is-key th{background:rgba(201,171,112,.12)}
.ledger tfoot td{border-bottom:0;padding-top:18px;font-size:14px;color:var(--slate)}

/* Pas CTA na końcu podstron */
.cta-band{padding:clamp(64px,8vw,110px) 0;background:linear-gradient(180deg,var(--petrol-900),var(--petrol-950))}
.cta-band__box{position:relative;display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:clamp(28px,5vw,72px);align-items:center;padding:clamp(30px,4.4vw,60px);border:1px solid var(--line-dark)}
.cta-band__box::before{content:"";position:absolute;inset:9px;border:1px solid var(--line-dark-soft);pointer-events:none}
.cta-band h2{font-size:clamp(30px,3.4vw,46px);margin-bottom:14px}
.cta-band p{color:#c3cbcf;margin:0}
.cta-band__act{display:flex;flex-direction:column;gap:14px;align-items:flex-start}
.cta-band__phone{font-family:var(--f-display);font-size:clamp(32px,3.6vw,48px);line-height:1.05;text-decoration:none;color:var(--mist)}
.cta-band__phone:hover{color:var(--brass)}
.cta-band__act small{font-size:13.5px;color:var(--jacket)}

/* Zobacz też */
.related{padding:clamp(56px,7vw,96px) 0;background:var(--mist-2);color:var(--ink)}
/* Ta sama jasna barwa co sekcja wyżej – linia, żeby się nie zlewały */
:is(.sec--soft,.steps) + .related{border-top:1px solid var(--mist-line)}
.related__grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;border-top:1px solid var(--ink)}
.related a{display:flex;flex-direction:column;gap:10px;padding:26px 28px 28px 0;text-decoration:none;color:var(--ink);min-height:100%}
.related a + a{padding-left:28px;border-left:1px solid var(--mist-line)}
.related small{font-size:13px;letter-spacing:.04em;color:var(--brass-deep)}
.related b{font-family:var(--f-display);font-weight:500;font-size:clamp(23px,2vw,28px);line-height:1.15}
.related span{font-size:15px;color:var(--slate)}
.related i{font-style:normal;margin-top:auto;padding-top:8px;color:var(--brass-deep);transition:transform .25s var(--ease);display:inline-block}
.related a:hover b{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:6px}
.related a:hover i{transform:translateX(6px)}

/* Strona główna: trzy drogi */
.paths{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--ink)}
.path{padding:30px 30px 34px 0;display:flex;flex-direction:column}
.path + .path{padding-left:30px;border-left:1px solid var(--mist-line)}
.path__no{font-family:var(--f-display);font-size:15px;color:var(--brass-deep);margin:0 0 18px}
.path h3{font-size:clamp(28px,2.6vw,36px);margin-bottom:12px}
.path > p{color:var(--slate);font-size:15.5px}
.path ul{list-style:none;margin:8px 0 22px;padding:0;border-top:1px solid var(--mist-line)}
.path li a{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px solid var(--mist-line);text-decoration:none;font-size:16px;color:var(--ink)}
.path li a::after{content:"→";color:var(--brass-deep);transition:transform .25s var(--ease)}
.path li a:hover{color:var(--brass-deep)}
.path li a:hover::after{transform:translateX(4px)}
.path .more-link{margin-top:auto}
/* Karty „Od czego zacząć”: numer, nagłówek, opis i lista linków w tych samych wierszach we wszystkich kolumnach */
@supports (grid-template-rows:subgrid){
  @media (min-width:1021px){
    .paths{grid-template-rows:auto auto auto 1fr}
    .path{display:grid;grid-row:span 4;grid-template-rows:subgrid;align-content:start}
    .path h3{align-self:end}
    .path ul{align-self:start}
  }
}
.more-link{display:inline-flex;align-items:center;gap:10px;min-height:44px;color:var(--ink);font-weight:600;text-underline-offset:5px}
.more-link::after{content:"→";color:var(--brass-deep);transition:transform .25s var(--ease)}
.more-link:hover::after{transform:translateX(4px)}
.dark .more-link{color:var(--mist)}
.dark .more-link::after{color:var(--brass)}

/* Zapowiedź kalkulatorów */
.tools{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--line-dark-soft);border:1px solid var(--line-dark)}
.tool{background:var(--petrol-900);padding:28px 28px 30px;text-decoration:none;color:var(--mist);display:flex;flex-direction:column;gap:10px;transition:background .25s}
.tool:hover{background:#13293a}
.tool small{font-size:13px;color:var(--brass);letter-spacing:.04em}
.tool b{font-family:var(--f-display);font-weight:500;font-size:clamp(23px,2vw,28px);line-height:1.15}
.tool span{font-size:15px;color:#c3cbcf}
.tool i{font-style:normal;margin-top:auto;padding-top:10px;color:var(--brass)}

/* Menu: od 1180 px w dół rozwijane z „burgera” (7 pozycji nie mieści się obok logo i przycisku). Układ stron zmienia się dopiero od 1020 px. */
@media (max-width:1180px){
  .top .top__phone{margin-left:auto}
  .burger{display:block}
  .menu{position:absolute;left:0;right:0;top:100%;background:var(--petrol-950);border-bottom:1px solid var(--line-dark);display:none;padding:8px var(--gutter) 28px;max-height:calc(100vh - 64px);overflow:auto}
  .menu.is-open{display:block}
  .menu__list{flex-direction:column;align-items:stretch;gap:0}
  .menu__item > a,.menu__btn{width:100%;justify-content:space-between;font-family:var(--f-display);font-size:21px;padding:10px 0;min-height:54px;border-bottom:1px solid var(--line-dark-soft);color:var(--mist)}
  .menu__item.is-current > a::after,.menu__item.is-current > .menu__btn::after{display:none}
  .sub{position:static;box-shadow:none;border:0;background:transparent}
  .sub__in{display:block;padding:4px 0 14px}
  .sub__intro{display:none}
  .sub__links{grid-template-columns:1fr;border-top:0}
  .sub__links a{padding:12px 0 12px 16px;border-left:1px solid var(--line-dark)}
  .sub__links a b{font-size:18px}
  .menu__extra{display:grid;gap:12px;margin-top:22px}
  .menu__extra .btn{width:100%}
}
@media (max-width:1020px){
  .phero__grid{grid-template-columns:1fr;align-items:start}
  .sec__head{grid-template-columns:1fr;align-items:start}
  .split{grid-template-columns:1fr}
  .split__head{position:static}
  .cta-band__box{grid-template-columns:1fr}
  .related__grid,.paths,.tools{grid-template-columns:1fr}
  .related a + a,.path + .path{padding-left:0;border-left:0;border-top:1px solid var(--mist-line)}
  .cols,.cols--4{grid-template-columns:1fr 1fr}
  .cols > *:nth-child(odd){padding-left:0;border-left:0}
  .cols > *:nth-child(n+3){border-top:1px solid var(--mist-line)}
  .dark .cols > *:nth-child(n+3){border-color:var(--line-dark-soft)}
}
@media (max-width:760px){
  .phero h1{font-size:clamp(32px,8.6vw,42px)}
  .phero__cta .btn{flex:1 1 100%}
  .cols,.cols--2,.cols--4{grid-template-columns:1fr}
  .cols > *,.cols > * + *{padding:24px 0;border-left:0}
  .cols > * + *{border-top:1px solid var(--mist-line)}
  .dark .cols > * + *{border-color:var(--line-dark-soft)}
  .ledger thead{display:none}
  .ledger,.ledger tbody,.ledger tr,.ledger td,.ledger th{display:block;width:auto}
  .ledger tr{padding:18px 0;border-bottom:1px solid var(--mist-line)}
  .ledger th,.ledger td{padding:4px 0;border:0}
  .ledger td.pos{font-size:22px;width:auto}
  .ledger td[data-l]::before{content:attr(data-l);display:block;font-size:12.5px;font-weight:600;letter-spacing:.04em;color:var(--brass-deep);margin:12px 0 4px}
  .cta-band__phone{font-size:34px}
}

/* Lista produktów w hero jako linki do podstron */
.hero__list li{display:block;padding:0}
.hero__list a{display:flex;justify-content:space-between;gap:16px;padding:11px 0;text-decoration:none;color:var(--mist)}
.hero__list a::after{content:"→";color:var(--brass);margin-left:4px;transition:transform .25s var(--ease)}
.hero__list a span{margin-left:auto}
.hero__list a:hover{color:var(--brass)}
.hero__list a:hover::after{transform:translateX(4px)}
.foot__grid--5{grid-template-columns:1.6fr 1fr 1fr 1fr 1fr}
.foot__legal a{color:#aeb7bb}
@media (max-width:1020px){.foot__grid--5{grid-template-columns:1fr 1fr}.foot__grid--5 > div:first-child{grid-column:1/-1}}
@media (max-width:760px){.foot__grid--5{grid-template-columns:1fr 1fr}}
@media (max-width:420px){.foot__grid--5{grid-template-columns:1fr}}
.sub__more{display:flex;align-items:center;min-height:44px;margin-top:14px;font-weight:600;font-size:15px}
.contact__info h2{margin-bottom:20px}
@media (max-width:760px){.ledger th[scope=row]{width:auto}}

/* ============ Nagłówek podstrony = jeden ekran (100svh minus menu), jak hero na stronie głównej ============
   Na komputerze i tablecie każda podstrona zaczyna się tak samo: okruszki u góry, treść wyśrodkowana w pionie,
   nagłówek zawsze na całą wysokość ekranu. Odstępy, H1 i spis treści skalują się z wysokością okna,
   żeby treść mieściła się także na niskich laptopach (1366×768). min-height zamiast height: nic się nie ucina. */
@media (min-width:761px){
  .phero{display:flex;flex-direction:column;min-height:calc(100vh - 77px);min-height:calc(100svh - 77px);
    padding:clamp(12px,2.2vh,36px) 0 clamp(28px,5.5vh,80px)}
  .phero > .wrap{flex:1 0 auto;display:flex;flex-direction:column;width:100%}
  .phero .phero__grid,.phero .pp-hero__in,.phero .nf__grid{margin-top:auto;margin-bottom:auto;padding-top:clamp(12px,2.6vh,40px)}
  .phero h1{font-size:clamp(34px,min(4.4vw,6.4vh),64px);margin-bottom:clamp(12px,2.2vh,22px)}
  .phero__lead{margin-bottom:clamp(18px,3.4vh,30px)}
  .phero__aside{padding:clamp(14px,2.4vh,24px) 26px clamp(10px,1.8vh,18px)}
  .toc a{padding:clamp(6px,1.2vh,11px) 0}
  .phero__facts li{padding:clamp(7px,1.3vh,12px) 0}
  .phero__facts strong{font-size:clamp(18px,2.5vh,22px)}
  /* 404: własne odstępy z 404.css zastępuje wspólny układ */
  .phero.nf{padding:clamp(12px,2.2vh,36px) 0 clamp(28px,5.5vh,80px);min-height:calc(100vh - 77px);min-height:calc(100svh - 77px)}
  /* Zespół: portret stoi na dolnej krawędzi i skaluje się z wysokością ekranu */
  .phero.zp-hero{padding-bottom:0}
  .phero .zp-hero__grid{margin-top:auto;padding-top:clamp(12px,2.6vh,40px)}
  .phero .zp-hero__text{align-self:center;padding-bottom:clamp(28px,5vh,72px)}
  .phero .zp-hero__photo{max-width:min(440px,calc((100svh - 77px - 90px) / 1.5))}
}
/* Mały laptop / tablet poziomo: węższa kolumna tekstu łamie H1 na więcej linii – mniejsze litery, szerszy tekst */
@media (min-width:761px) and (max-width:1180px){
  .phero h1{font-size:clamp(30px,min(3.7vw,5.6vh),48px)}
  .phero__lead{font-size:16px;line-height:1.55}
  .phero__cta .btn{padding:0 18px}
}
/* Dwie kolumny (tekst + spis treści) aż do 861 px – na jednej kolumnie nagłówek nie zmieściłby się na tablecie poziomo */
@media (min-width:861px) and (max-width:1180px){
  .phero__grid{grid-template-columns:minmax(0,3fr) minmax(0,2fr);gap:clamp(28px,4vw,48px);align-items:center}
}
/* Telefon: bez wymuszania pełnego ekranu (spis treści i tak go wypełnia), za to krótsze okruszki i ciaśniejszy rytm */
@media (max-width:760px){
  .phero{padding:14px 0 44px}
  .crumbs li:nth-child(n+3):last-child{display:none}   /* bieżąca strona = H1 tuż pod spodem */
  .phero__grid{gap:32px;margin-top:22px}
  .phero h1{margin-bottom:16px}
  .phero__lead{font-size:16.5px;line-height:1.6;margin-bottom:24px}
  .phero__cta{gap:10px}
  .phero__aside{padding:18px 18px 10px}
  .toc a{padding:12px 0;font-size:15px}
  .pp-hero__in{margin-top:22px}
}
@media (max-width:400px){
  .phero h1{font-size:clamp(29px,8.1vw,34px)}
  .phero__lead{font-size:16px;margin-bottom:20px}
  .phero .mark{margin-bottom:14px}
}

/* ============ Formularz w krokach ============
   Bez JS (.is-steps nie ma) kroki stoją jeden pod drugim i widać przycisk „Wyślij”. */
.form__top{display:flex;justify-content:space-between;align-items:baseline;gap:16px;flex-wrap:wrap;margin-bottom:22px}
.form__top h3{margin:0}
.form__progress{display:none;margin:0;font-size:13.5px;color:var(--jacket);align-items:center;gap:12px}
.form__progress b{font-weight:600;color:var(--mist)}
.form__progress i{display:flex;gap:4px}
.form__progress s{display:block;width:28px;height:3px;background:var(--line-dark);text-decoration:none;transition:background .3s var(--ease)}
.form__progress s.on{background:var(--brass)}
.step{border:0;margin:0 0 22px;padding:0;min-width:0}
.step__q{padding:0;margin:0 0 14px;font-family:var(--f-display);font-size:clamp(20px,1.8vw,24px);color:var(--mist);line-height:1.25}
.step__q em{font-family:var(--f-text);font-style:normal;font-size:14px;color:var(--jacket);margin-left:6px}
.step .lbl{display:block;font-size:14px;color:#c3cbcf;margin:18px 0 8px}
.step .lbl:first-of-type{margin-top:0}
.chips--sm span{min-height:40px;padding:0 13px;font-size:14.5px}
.form__nav{display:flex;flex-wrap:wrap;gap:10px}
.form__next,.form__back{display:none}

.form.is-steps{align-self:start}
.form.is-steps .form__progress{display:inline-flex}
.form.is-steps .form__steps{display:grid}
.form.is-steps .step{grid-area:1/1;margin:0;visibility:hidden;opacity:0;transition:opacity .25s var(--ease)}
.form.is-steps .step.is-on{visibility:visible;opacity:1}
.form.is-steps .f textarea{resize:none;min-height:72px}
.form.is-steps .form__err:not(:empty){margin:14px 0 0}
.form.is-steps .form__nav{margin-top:24px}
.form.is-steps .form__next{display:inline-flex}
.form.is-steps .form__send{display:none}
.form.is-steps[data-step="mid"] .form__back,.form.is-steps[data-step="last"] .form__back{display:inline-flex}
.form.is-steps[data-step="last"] .form__next{display:none}
.form.is-steps[data-step="last"] .form__send{display:inline-flex}
.form.is-steps .form__nav .btn:not(.btn--ghost){flex:1 1 auto}
@media (max-width:760px){
  .form.is-steps{padding:20px 18px 18px}
  .form.is-steps .form__top{margin-bottom:16px;gap:6px}
  .form.is-steps .form__top h3{font-size:22px}
  .form.is-steps .step__q{font-size:19px;margin-bottom:12px}
  .form.is-steps .f{margin-bottom:14px}
  .form.is-steps .f label{margin-bottom:4px}
  .form.is-steps .f input{padding:8px 0;font-size:16px}
  .form.is-steps .f textarea{min-height:48px;font-size:16px}
  .form.is-steps .consent{margin:2px 0 0;font-size:13px}
  .form.is-steps .form__nav{margin-top:18px}
  .form.is-steps .form__note{margin-top:10px}
  .chips--sm span{min-height:40px;padding:0 11px;font-size:14px}
  .form__progress s{width:20px}
  .form.is-steps .form__nav{flex-wrap:nowrap}
  .form.is-steps .form__back{flex:0 0 auto;padding:0 18px}
}
@media (prefers-reduced-motion:reduce){.form.is-steps .step{transition:none}}
/* Niski ekran (laptop 768 px): formularz ciaśniej, żeby cała ramka mieściła się na ekranie */
@media (min-width:761px) and (max-height:940px){
  .form.is-steps{padding:24px 28px 22px}
  .form.is-steps .form__top{margin-bottom:14px}
  .form.is-steps .step__q{margin-bottom:10px}
  .form.is-steps .f{margin-bottom:14px}
  .form.is-steps .f label{margin-bottom:4px}
  .form.is-steps .f input{padding:8px 0}
  .form.is-steps .form__nav{margin-top:16px}
  .form.is-steps .form__note{margin-top:10px}
}

/* ============ Nagłówek podstrony ze zdjęciem (hipoteka, leasing, gotówka) ============
   Zdjęcie w prawej części, wtopione w petrol: maska od lewej i od dołu, przygaszone kolory.
   Tekst stoi na czystym tle po lewej, ramka „Na tej stronie” dostaje mocniejsze, rozmyte tło. */
.phero--photo{position:relative;isolation:isolate}
.phero--photo::before{content:"";position:absolute;top:0;right:0;bottom:0;width:min(64%,1180px);z-index:-1;pointer-events:none;
  background:var(--hero-img) var(--hero-pos,center) / cover no-repeat;opacity:var(--hero-op,.5);filter:var(--hero-filter,saturate(.7) brightness(.85));
  -webkit-mask-image:linear-gradient(90deg,transparent 0%,rgba(0,0,0,.55) 30%,#000 62%),linear-gradient(0deg,transparent 0%,#000 22%);
  -webkit-mask-composite:source-in;
  mask-image:linear-gradient(90deg,transparent 0%,rgba(0,0,0,.55) 30%,#000 62%),linear-gradient(0deg,transparent 0%,#000 22%);
  mask-composite:intersect}
.phero--photo .phero__aside{background:rgba(8,19,26,.62);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px)}
.phero--hipoteka{--hero-img:url(/img/hero-hipoteka-1600.webp);--hero-pos:right center;--hero-op:.85;--hero-filter:saturate(.85)}
.phero--leasing{--hero-img:url(/img/hero-leasing-1600.webp);--hero-pos:70% center;--hero-op:.42;--hero-filter:saturate(.55) brightness(.8)}
.phero--firmy{--hero-img:url(/img/hero-firmy-1600.webp);--hero-pos:center;--hero-op:.5;--hero-filter:saturate(.6) brightness(.75)}
.phero--ubezpieczenia{--hero-img:url(/img/hero-ubezpieczenia-1600.webp);--hero-pos:80% center;--hero-op:.4;--hero-filter:saturate(.45) brightness(.6) contrast(1.05)}
.phero--sukcesja{--hero-img:url(/img/hero-sukcesja-1600.webp);--hero-pos:100% center;--hero-op:.9;--hero-filter:saturate(.9) brightness(.85)}
.phero--kontakt{--hero-img:url(/img/hero-kontakt-1600.webp);--hero-pos:center;--hero-op:.32;--hero-filter:saturate(.5) brightness(.7)}
.phero--kalkulatory{--hero-img:url(/img/hero-kalkulatory-1600.webp);--hero-pos:75% center;--hero-op:.45;--hero-filter:saturate(.5) brightness(.6) contrast(1.1)}
.phero--gotowka{--hero-img:url(/img/hero-gotowka-1600.webp);--hero-pos:center;--hero-op:.26;--hero-filter:grayscale(.55) sepia(.25) hue-rotate(150deg) brightness(.75)}
.phero--kredyt-hip{--hero-img:url(/img/hero-kredyt-hipoteczny-1600.webp);--hero-pos:100% center;--hero-op:.62;--hero-filter:saturate(.75) brightness(.8)}
.phero--oszczednosci{--hero-img:url(/img/hero-oszczednosci-1600.webp);--hero-pos:center;--hero-op:.5;--hero-filter:saturate(.6) brightness(.75)}
.phero--medyczna{--hero-img:url(/img/hero-opieka-medyczna-1600.webp);--hero-pos:70% center;--hero-op:.28;--hero-filter:grayscale(.3) brightness(.55) contrast(1.1)}
.phero--nieruchomosci{--hero-img:url(/img/hero-nieruchomosci-1600.webp);--hero-pos:center;--hero-op:.38;--hero-filter:saturate(.55) brightness(.65)}
.phero--emerytura{--hero-img:url(/img/hero-emerytura-1600.webp);--hero-pos:70% center;--hero-op:.4;--hero-filter:saturate(.55) brightness(.65)}
@media (max-width:760px){
  /* Telefon: zdjęcie jako pas za górą nagłówka, mocno przygaszone, wygasa w dół */
  .phero--photo::before{width:100%;bottom:auto;height:min(78%,560px);opacity:calc(var(--hero-op,.5) * .4);
    -webkit-mask-image:linear-gradient(180deg,#000 0%,rgba(0,0,0,.6) 45%,transparent 100%);mask-image:linear-gradient(180deg,#000 0%,rgba(0,0,0,.6) 45%,transparent 100%)}
  .phero--hipoteka{--hero-img:url(/img/hero-hipoteka-800.webp);--hero-pos:78% center}
  .phero--leasing{--hero-img:url(/img/hero-leasing-800.webp)}
  .phero--gotowka{--hero-img:url(/img/hero-gotowka-800.webp)}
  .phero--kredyt-hip{--hero-img:url(/img/hero-kredyt-hipoteczny-800.webp)}
  .phero--oszczednosci{--hero-img:url(/img/hero-oszczednosci-800.webp)}
  .phero--medyczna{--hero-img:url(/img/hero-opieka-medyczna-800.webp)}
  .phero--nieruchomosci{--hero-img:url(/img/hero-nieruchomosci-800.webp)}
  .phero--emerytura{--hero-img:url(/img/hero-emerytura-800.webp)}
  .phero--kalkulatory{--hero-img:url(/img/hero-kalkulatory-800.webp)}
  .phero--firmy{--hero-img:url(/img/hero-firmy-800.webp)}
  .phero--ubezpieczenia{--hero-img:url(/img/hero-ubezpieczenia-800.webp)}
  .phero--sukcesja{--hero-img:url(/img/hero-sukcesja-800.webp);--hero-pos:center}
  .phero--kontakt{--hero-img:url(/img/hero-kontakt-800.webp)}
}

/* ============ Sekcja kontaktowa na jeden ekran (komputer) ============
   Lewa kolumna zwięźlej: nagłówek w jednej linii, kroki bez ramek, dane w siatce 2×2; mniejsze odstępy sekcji. */
@media (min-width:1021px){
  /* odstęp nad formularzem jak w innych sekcjach (.sec), pod nim trochę mniejszy – dalej mieści się na jednym ekranie */
  .contact{padding:min(clamp(72px,9vw,128px),12vh) 0 min(clamp(56px,6vw,96px),9vh)}
  .contact__grid{align-items:center}
  .contact__info h2{font-size:clamp(34px,3.2vw,46px);margin-bottom:14px}
  .contact__info > p{margin:0;max-width:440px}
  .contact__next{margin-top:18px;font-size:14.5px}
  .contact__next li{padding:5px 0;border-top:0;grid-template-columns:24px 1fr}
  .contact__phone{font-size:clamp(34px,3.2vw,44px);margin:18px 0 4px}
  .contact__mail{font-size:16px}
  .contact dl{display:grid;grid-template-columns:1fr 1fr;gap:0 28px;margin-top:20px;font-size:14.5px}
  .contact dl div{display:block;padding:10px 0;border-top:1px solid var(--line-dark-soft)}
  .contact dt{font-size:12.5px;letter-spacing:.03em;margin-bottom:2px}
  .contact dd a{min-height:24px;margin-right:12px}
}
@media (min-width:1021px) and (max-height:820px){
  .contact{padding:min(clamp(72px,9vw,128px),10vh) 0 min(56px,7vh)}
  .contact__next{display:none}
  .contact__info h2{font-size:34px}
  .contact__phone{font-size:32px;margin-top:14px}
}
/* Zgoda w jednej linii na komputerze: szersza kolumna formularza, mniejsza czcionka zgody */
@media (min-width:1021px){
  .contact__grid{grid-template-columns:minmax(0,4fr) minmax(0,7fr);gap:clamp(32px,4.5vw,72px)}
  .form .consent{font-size:12.5px;align-items:center;margin-bottom:0;gap:9px}
  .form .consent input{margin-top:0}
}

/* Dane kontaktowe pod telefonem: prosta lista z ikonami zamiast tabelki */
.contact__meta{list-style:none;margin:22px 0 0;padding:18px 0 0;border-top:1px solid var(--line-dark-soft);display:grid;gap:10px;font-size:15px;color:#c3cbcf}
.contact__meta li{display:flex;gap:12px;align-items:flex-start;line-height:1.45}
.contact__meta svg{width:18px;height:18px;flex:none;margin-top:1px;fill:none;stroke:var(--brass);stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.contact__social{gap:18px!important;padding-top:4px}
.contact__social a{color:var(--mist);text-underline-offset:4px;font-size:14.5px;display:inline-flex;align-items:center;min-height:32px}
.contact__social a:hover{color:var(--brass)}
/* Formularz wyśrodkowany w pionie względem lewej kolumny */
@media (min-width:1021px){
  .form.is-steps{align-self:center}
}

/* ============ Sekcja kontaktowa ze zdjęciem starego telefonu w tle ============
   Zdjęcie odbite w poziomie, telefon stoi po lewej obok numeru. Przyciemnienie mocniejsze pod tekstem i pod formularzem. */
.contact{position:relative;isolation:isolate;overflow:hidden}
.contact::before{content:"";position:absolute;inset:0;z-index:-2;pointer-events:none;
  background:url(/img/bg-kontakt-telefon.webp) center 40% / cover no-repeat;transform:scaleX(-1);opacity:.6;filter:saturate(.55) brightness(.75)}
.contact::after{content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;
  background:linear-gradient(90deg,rgba(13,30,38,.72) 0%,rgba(13,30,38,.58) 30%,rgba(13,30,38,.82) 55%,rgba(13,30,38,.93) 100%)}
.contact__info{text-shadow:0 1px 14px rgba(0,0,0,.65)}
.contact .form{background:rgba(10,24,31,.72);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}
@media (max-width:1020px){
  /* Tablet i telefon: kolumny jedna pod drugą – zdjęcie za górą sekcji, mocno przygaszone */
  .contact::before{background-image:url(/img/bg-kontakt-telefon-900.webp);background-position:center top;background-size:auto min(900px,100%);opacity:.4}
  .contact::after{background:linear-gradient(180deg,rgba(13,30,38,.6) 0%,rgba(13,30,38,.85) 45%,rgba(13,30,38,.95) 100%)}
}

/* ============ Formularz + stopka na wspólnym tle ze zdjęciem telefonu (div.cf z build.py) ============ */
.cf{position:relative;isolation:isolate;overflow:hidden;background:var(--petrol-950)}
.cf::before{content:"";position:absolute;left:0;right:0;top:0;height:min(100%,max(760px,72vh));z-index:-2;pointer-events:none;
  background:url(/img/bg-kontakt-telefon.webp) center 40% / cover no-repeat;transform:scaleX(-1);opacity:.6;filter:saturate(.55) brightness(.75);
  -webkit-mask-image:linear-gradient(180deg,#000 0%,#000 62%,transparent 100%);mask-image:linear-gradient(180deg,#000 0%,#000 70%,transparent 100%)}
.cf::after{content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;
  background:
    linear-gradient(180deg,rgba(10,22,29,0) 0%,rgba(10,22,29,0) 50%,rgba(10,22,29,.45) 72%,rgba(10,22,29,.75) 100%),
    linear-gradient(90deg,rgba(13,30,38,.72) 0%,rgba(13,30,38,.58) 30%,rgba(13,30,38,.82) 55%,rgba(13,30,38,.93) 100%)}
.cf .contact{overflow:visible;background:transparent}
.cf .contact::before,.cf .contact::after{display:none}
.cf .foot{background:transparent;border-top:0} /* bez linii między formularzem a stopką – wspólne tło */
@media (max-width:1020px){
  .cf::before{background-image:url(/img/bg-kontakt-telefon-900.webp);background-position:center top;background-size:auto min(900px,60%);opacity:.4}
  .cf::after{background:linear-gradient(180deg,rgba(13,30,38,.6) 0%,rgba(13,30,38,.88) 30%,rgba(10,22,29,.96) 60%,var(--petrol-950) 100%)}
}

/* ============ Ekran powitalny (pierwsze wejście w sesji) ============
   Klasę html.ag-intro ustawia skrypt w <head> (nakładka ma inną klasę – .ag-splash – żeby reguły nie trafiały w <html>); main.js wypełnia pasek i chowa ekran po załadowaniu strony.
   Zabezpieczenie: gdyby JS zawiódł, ekran i tak znika po 4 s (animacja ag-intro-safety). */
.ag-splash{display:none}
html.ag-intro .ag-splash{position:fixed;inset:0;z-index:10000;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:30px;
  background:radial-gradient(ellipse 70% 60% at 50% 45%,#1b3641 0%,var(--petrol-900) 60%,var(--petrol-950) 100%);
  transition:opacity .55s var(--ease),visibility .55s;animation:ag-intro-safety .5s 4s forwards}
.ag-splash img{width:min(320px,66vw);height:auto;clip-path:inset(0 100% 0 0);animation:ag-intro-sign 1.15s cubic-bezier(.65,0,.35,1) .1s forwards}
.ag-splash__bar{display:block;width:170px;height:2px;border-radius:2px;background:rgba(201,171,112,.18);overflow:hidden}
.ag-splash__bar i{display:block;height:100%;background:var(--brass);transform:scaleX(0);transform-origin:left;transition:transform 1.3s cubic-bezier(.3,.6,.3,1)}
html.ag-intro-out .ag-splash{opacity:0;visibility:hidden}
html.ag-intro-out .ag-splash img{transform:scale(1.04);transition:transform .55s var(--ease)}
@keyframes ag-intro-sign{to{clip-path:inset(0 0 0 0)}}
@keyframes ag-intro-safety{to{opacity:0;visibility:hidden}}

/* ============ „Na tej stronie” jako rząd linków pod przyciskami (9.11.2026) ============
   Wcześniej pudełko po prawej zasłaniało zdjęcie w hero; teraz hero ma jedną kolumnę tekstu, a zdjęcie zostaje wolne. */
.phero__grid--toc{grid-template-columns:minmax(0,1fr);gap:clamp(24px,3vw,36px);align-items:start}
.phero__grid--toc > div:first-child{max-width:780px}
.phero .phero__aside--toc{max-width:780px;display:flex;flex-wrap:wrap;align-items:center;gap:0 22px;padding:14px 0 0;border:0;border-top:1px solid var(--line-dark-soft);
  background:none;-webkit-backdrop-filter:none;backdrop-filter:none}
.phero__aside--toc .phero__label{margin:0;font-size:13px}
.phero__aside--toc .toc{display:flex;flex-wrap:wrap;gap:0 22px}
.phero__aside--toc .toc a{display:inline-flex;align-items:center;gap:7px;min-height:40px;padding:0;border:0;font-size:14.5px;color:#c3cbcf;line-height:1.3}
.phero__aside--toc .toc a::before{font-size:13px}
.phero__aside--toc .toc a::after{font-size:12px}
.phero__aside--toc .toc a:hover{color:var(--brass)}
@media (max-width:760px){
  .phero .phero__aside--toc{gap:0 16px}
  .phero__aside--toc .phero__label{flex-basis:100%;margin-top:4px}
  .phero__aside--toc .toc{gap:0 16px}
  .phero__aside--toc .toc a{font-size:14px;min-height:36px}
}

/* ============ Zdjęcia w hero podstron: pełne kolory na całą szerokość + lekka petrolowa warstwa (9.11.2026) ============
   ::before – zdjęcie na całe hero (bez wygaszania i przyciemniania z wcześniejszej wersji),
   ::after – półprzezroczysta warstwa: mocniejsza z lewej pod tekstem, coraz lżejsza w prawo, i delikatnie u dołu. */
.phero--photo::before{left:0;width:auto;opacity:1;filter:saturate(1.02);
  -webkit-mask-image:none;mask-image:none}
.phero--photo::after{content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;
  background:linear-gradient(90deg,rgba(12,29,37,.88) 0%,rgba(12,29,37,.7) 38%,rgba(12,29,37,.32) 70%,rgba(12,29,37,.18) 100%),
             linear-gradient(0deg,rgba(8,19,26,.55) 0%,rgba(8,19,26,0) 30%)}
@media (max-width:760px){
  .phero--photo::before{height:auto;bottom:0;opacity:1;-webkit-mask-image:none;mask-image:none}
  .phero--photo::after{background:linear-gradient(180deg,rgba(12,29,37,.62) 0%,rgba(12,29,37,.8) 45%,rgba(10,24,31,.92) 100%)}
}

/* ============ „Na tej stronie” na telefonie: jeden rząd pigułek przewijany w bok ============ */
@media (max-width:760px){
  .phero .phero__aside--toc{display:block;padding:0;border:0;margin-right:calc(-1 * var(--gutter))}
  .phero__aside--toc .phero__label{margin:0 0 8px;flex-basis:auto}
  .phero__aside--toc .toc{flex-wrap:nowrap;gap:8px;overflow-x:auto;overscroll-behavior-x:contain;scroll-snap-type:x proximity;
    padding:0 var(--gutter) 4px 0;scrollbar-width:none;
    -webkit-mask-image:linear-gradient(90deg,#000 85%,transparent);mask-image:linear-gradient(90deg,#000 85%,transparent)}
  .phero__aside--toc .toc::-webkit-scrollbar{display:none}
  .phero__aside--toc .toc li{flex:none;scroll-snap-align:start}
  .phero__aside--toc .toc a{white-space:nowrap;min-height:40px;padding:0 14px;border:1px solid var(--line-dark);border-radius:999px;background:rgba(8,19,26,.4);font-size:14px;color:var(--mist)}
  .phero__aside--toc .toc a::after{display:none}
  .phero__aside--toc .hh-aside-biz{margin-top:10px}
}