/* Cofnij Kredyt — szkielet wspólny (draft). Kolory i fonty nadają pliki theme-*.css */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation: none !important; transition: none !important; }
}
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  background: var(--bg);
  color: var(--ink);
}
img { max-width: 100%; display: block; }
a { color: inherit; }
h1, h2, h3 { font-family: var(--font-display); line-height: 1.15; margin: 0 0 .5em; }
.wrap { max-width: 1140px; margin-inline: auto; padding-inline: 22px; }

:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; border-radius: 4px; }

/* ---------- Nagłówek ---------- */
.site {
  position: sticky; top: 0; z-index: 50;
  background: color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.site .wrap { display: flex; align-items: center; gap: 28px; min-height: 72px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo svg { width: 34px; height: 38px; color: var(--logo, var(--accent)); flex: none; }
.logo b { font-family: var(--font-display); font-size: 17px; letter-spacing: .06em; display: block; line-height: 1.1; }
.logo small { display: block; font-size: 9.5px; letter-spacing: .34em; color: var(--muted); }
.nav { margin-left: auto; }
.nav ul { display: flex; gap: 26px; list-style: none; margin: 0; padding: 0; }
.nav a { text-decoration: none; font-size: 15px; font-weight: 600; color: var(--muted); }
.nav a:hover { color: var(--ink); }
.site .btn { margin-left: 8px; }
.navtoggle { display: none; margin-left: auto; background: none; border: 1px solid var(--line); color: var(--ink); border-radius: 8px; padding: 8px 12px; font-size: 15px; }

/* ---------- Przyciski ---------- */
.btn {
  display: inline-block; border: 0; cursor: pointer; text-decoration: none; text-align: center;
  font-family: var(--font-body); font-weight: 700; font-size: 16px;
  padding: 14px 26px; border-radius: var(--btn-radius, 10px);
  background: var(--accent); color: var(--accent-ink);
  transition: transform .15s ease, filter .15s ease;
}
.btn:hover { filter: brightness(1.08); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--ink); box-shadow: inset 0 0 0 1.5px var(--line); }
.btn-lg { padding: 16px 32px; font-size: 17px; }

/* ---------- Hero ---------- */
.hero { padding: 84px 0 56px; position: relative; overflow: hidden; }
.hero .wrap { position: relative; max-width: 880px; text-align: center; }
.eyebrow {
  display: inline-block; font-size: 12.5px; font-weight: 700; letter-spacing: .22em;
  text-transform: uppercase; color: var(--accent); margin-bottom: 18px;
}
.hero h1 { font-size: clamp(34px, 5.4vw, 58px); margin-bottom: 20px; }
.hero h1 .acc { color: var(--accent); }
.hero p.lead { font-size: clamp(17px, 2vw, 20px); color: var(--muted); max-width: 46em; margin: 0 auto 30px; }
.hero .cta { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

.trustbar { border-block: 1px solid var(--line); padding: 18px 0; }
.trustbar ul { display: flex; flex-wrap: wrap; gap: 10px 38px; justify-content: center; list-style: none; margin: 0; padding: 0; }
.trustbar li { font-size: 14.5px; font-weight: 600; color: var(--muted); display: flex; align-items: center; gap: 9px; }
.trustbar li::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--accent); flex: none; }

/* ---------- Sekcje ---------- */
.sec { padding: 76px 0; }
.sec-alt { background: var(--surface-2, var(--surface)); }
.sec-head { max-width: 720px; margin-bottom: 40px; }
.sec-head.center { margin-inline: auto; text-align: center; }
.sec h2 { font-size: clamp(27px, 3.6vw, 38px); }
.sec-head p { color: var(--muted); margin: 0; font-size: 17.5px; }

/* ---------- Kalkulator ---------- */
.calc { display: grid; grid-template-columns: 1.05fr .95fr; gap: 28px; align-items: start; }
.card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius, 16px); padding: 30px;
  box-shadow: var(--shadow, none);
}
.field { margin-bottom: 22px; }
.field:last-child { margin-bottom: 0; }
.field .lab { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 9px; }
.valwrap { display: flex; align-items: center; gap: 10px; flex: none; }
.field label { font-weight: 600; font-size: 15.5px; }
.field label small { display: block; font-weight: 400; color: var(--muted); font-size: 13px; }
.field .val {
  font-family: var(--font-display); font-size: 19px; font-weight: 700; color: var(--accent); white-space: nowrap;
}
.field input[type=range] { width: 100%; accent-color: var(--accent); height: 26px; cursor: pointer; }
.field input[type=number] {
  width: 92px; padding: 7px 10px; border-radius: 8px; border: 1px solid var(--line);
  background: var(--bg); color: var(--ink); font: inherit; font-size: 15px;
}
@media (max-width: 480px) { .field input[type=number] { width: 76px; } .field .val { font-size: 16px; } }

/* Modyfikatory układu hero (różnicowanie wariantów) */
.topstrip { background: var(--accent); color: var(--accent-ink); font-size: 13px; font-weight: 700;
  text-align: center; padding: 8px 14px; letter-spacing: .04em; }
.hero-left .wrap { text-align: left; max-width: 1140px; }
.hero-left .cta { justify-content: flex-start; }
.hero-left p.lead { margin-left: 0; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 44px; align-items: center; text-align: left; }
.hero-grid .cta { justify-content: flex-start; }
.hero-grid p.lead { margin-left: 0; }
@media (max-width: 980px) { .hero-grid { grid-template-columns: 1fr; } }
.bthumb img { width: 100%; height: 100%; object-fit: cover; }
.res .rw { display: flex; justify-content: space-between; gap: 14px; padding: 13px 0; border-bottom: 1px solid var(--line); font-size: 15.5px; }
.res .rw span:first-child { color: var(--muted); }
.res .rw b { font-size: 17px; white-space: nowrap; }
.beforeafter { display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 10px; margin-bottom: 16px; text-align: center; }
.beforeafter .cell small { display: block; color: var(--muted); font-size: 12.5px; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 4px; }
.beforeafter .cell b { font-family: var(--font-display); font-size: clamp(20px, 2.6vw, 27px); }
.beforeafter .arrow { color: var(--accent); font-size: 22px; }
.beforeafter .cell.po b { color: var(--good, var(--accent)); }
.suma {
  margin-top: 20px; padding: 20px 24px; border-radius: var(--radius, 16px);
  background: var(--accent); color: var(--accent-ink); text-align: center;
}
.suma small { display: block; font-size: 12.5px; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; opacity: .8; margin-bottom: 2px; }
.suma b { font-family: var(--font-display); font-size: clamp(26px, 3.4vw, 36px); }
.disclaimer { font-size: 12.8px; color: var(--muted); line-height: 1.55; margin-top: 16px; }
.res .btn { width: 100%; margin-top: 18px; }

/* ---------- Formularz ---------- */
.formgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.formgrid .full { grid-column: 1 / -1; }
.f label { display: block; font-weight: 600; font-size: 14.5px; margin-bottom: 6px; }
.f label em { font-style: normal; color: var(--accent); }
.f input, .f textarea {
  width: 100%; padding: 13px 14px; border-radius: 10px; border: 1px solid var(--line);
  background: var(--bg); color: var(--ink); font: inherit;
}
.f .hint { font-size: 12.5px; color: var(--muted); margin-top: 5px; }
.f .err { display: none; font-size: 13px; color: var(--bad, #E5484D); margin-top: 5px; font-weight: 600; }
.f.bad input { border-color: var(--bad, #E5484D); }
.f.bad .err { display: block; }
.drop {
  border: 2px dashed var(--line); border-radius: var(--radius, 16px);
  padding: 30px 22px; text-align: center; cursor: pointer; transition: border-color .15s, background .15s;
}
.drop.over { border-color: var(--accent); background: color-mix(in srgb, var(--accent) 8%, transparent); }
.drop b { display: block; margin-bottom: 5px; }
.drop small { color: var(--muted); }
.files { list-style: none; margin: 12px 0 0; padding: 0; display: grid; gap: 8px; }
.files li {
  display: flex; align-items: center; gap: 10px; font-size: 14px;
  background: var(--surface); border: 1px solid var(--line); border-radius: 8px; padding: 8px 12px;
}
.files li button { margin-left: auto; background: none; border: 0; color: var(--muted); font-size: 16px; cursor: pointer; padding: 2px 6px; }
.checks { display: grid; gap: 10px; margin: 6px 0 2px; }
.checks label { display: flex; gap: 10px; align-items: flex-start; font-size: 14px; color: var(--muted); font-weight: 400; cursor: pointer; }
.checks input { accent-color: var(--accent); width: 18px; height: 18px; margin-top: 2px; flex: none; }
.rodo { font-size: 12.3px; color: var(--muted); }
.thanks { display: none; text-align: center; padding: 34px 20px; }
.thanks h3 { font-size: 26px; color: var(--accent); }
.thanks p { color: var(--muted); max-width: 34em; margin-inline: auto; }
form.sent .formgrid, form.sent .checks, form.sent .rodo, form.sent .btn { display: none; }
form.sent .thanks { display: block; }

/* ---------- Kroki ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: krok; }
.step { padding: 26px 22px; }
.step::before {
  counter-increment: krok; content: counter(krok);
  display: inline-flex; align-items: center; justify-content: center;
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--accent); color: var(--accent-ink);
  font-family: var(--font-display); font-weight: 700; font-size: 19px; margin-bottom: 14px;
}
.step h3 { font-size: 19px; }
.step p { font-size: 14.8px; color: var(--muted); margin: 0; }

/* ---------- Podstawa prawna ---------- */
.law { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.law blockquote {
  margin: 0; padding: 26px 28px; border-left: 4px solid var(--accent);
  background: var(--surface); border-radius: 0 var(--radius, 16px) var(--radius, 16px) 0;
  font-family: var(--font-display); font-size: 19px; line-height: 1.5;
}
.law blockquote footer { font-family: var(--font-body); font-size: 13px; color: var(--muted); margin-top: 12px; }
.law ul { margin: 14px 0 0; padding-left: 20px; color: var(--muted); }
.law li { margin-bottom: 8px; }

/* ---------- Zespół ---------- */
.team { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.member { overflow: hidden; padding: 0; }
.member img { width: 100%; aspect-ratio: 335/238; object-fit: cover; }
.member .tx { padding: 20px; }
.member h3 { font-size: 17.5px; margin-bottom: 3px; }
.member .role { font-size: 13px; font-weight: 700; color: var(--accent); margin-bottom: 10px; }
.member p { font-size: 13.8px; color: var(--muted); margin: 0 0 10px; }
.member .wpis { font-size: 11.5px; color: var(--muted); opacity: .75; }

/* ---------- FAQ ---------- */
.faq { max-width: 780px; margin-inline: auto; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 16px;
  padding: 20px 4px; font-weight: 700; font-size: 17px; font-family: var(--font-display);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--accent); font-size: 22px; flex: none; }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin: 0 0 20px; padding: 0 4px; color: var(--muted); font-size: 15.5px; }

/* ---------- Blog ---------- */
.blogcards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.bcard { padding: 0; overflow: hidden; text-decoration: none; display: block; transition: transform .18s ease; }
.bcard:hover { transform: translateY(-3px); }
.bthumb {
  aspect-ratio: 16/8.5; display: flex; align-items: flex-end; padding: 18px;
  background:
    radial-gradient(120% 140% at 85% -10%, color-mix(in srgb, var(--accent) 34%, transparent), transparent 55%),
    linear-gradient(135deg, var(--thumb-a, #16273F), var(--thumb-b, #0B1626));
}
.bthumb span {
  font-family: var(--font-display); font-weight: 700; font-size: 13px; letter-spacing: .16em;
  text-transform: uppercase; color: var(--accent);
}
.bcard .tx { padding: 20px; }
.bcard h3 { font-size: 18px; }
.bcard p { font-size: 14.2px; color: var(--muted); margin: 0 0 12px; }
.bcard .meta { font-size: 12.3px; color: var(--muted); opacity: .8; }

/* ---------- Artykuł ---------- */
.article { max-width: 720px; margin-inline: auto; padding: 56px 0 80px; }
.article .kicker { font-size: 13px; letter-spacing: .2em; text-transform: uppercase; color: var(--accent); font-weight: 700; }
.article h1 { font-size: clamp(30px, 4.4vw, 44px); margin: 12px 0 14px; }
.article .meta { color: var(--muted); font-size: 14px; margin-bottom: 28px; }
.article .ahero {
  border-radius: var(--radius, 16px); padding: 44px 34px; margin-bottom: 36px;
  background:
    radial-gradient(130% 160% at 88% -20%, color-mix(in srgb, var(--accent) 38%, transparent), transparent 55%),
    linear-gradient(135deg, var(--thumb-a, #16273F), var(--thumb-b, #0B1626));
}
.article .ahero .sym { font-family: var(--font-display); font-size: 54px; font-weight: 700; color: var(--accent); line-height: 1; }
.article .ahero .cap { color: #E8E2D2; font-size: 15px; margin-top: 10px; max-width: 30em; }
.article h2 { font-size: 25px; margin: 40px 0 12px; }
.article p, .article li { color: var(--artink, var(--muted)); font-size: 16.5px; }
.article .ctabox { margin-top: 48px; text-align: center; padding: 34px 26px; }
.article .ctabox h3 { font-size: 22px; }

/* ---------- Stopka ---------- */
.foot { border-top: 1px solid var(--line); padding: 44px 0 90px; font-size: 13.8px; color: var(--muted); }
.foot .cols { display: flex; flex-wrap: wrap; gap: 30px 60px; justify-content: space-between; margin-bottom: 26px; }
.foot nav { display: flex; gap: 22px; flex-wrap: wrap; }
.foot a { color: var(--muted); }
.foot .legal { font-size: 12.3px; opacity: .8; max-width: 74em; }

/* ---------- Pasek mobilny + przełącznik wariantów ---------- */
.stickycta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 60;
  background: var(--surface); border-top: 1px solid var(--line); padding: 10px 14px; gap: 10px; }
.stickycta .btn { flex: 1; padding: 12px 10px; font-size: 15px; }
.switcher {
  position: fixed; right: 14px; bottom: 14px; z-index: 70;
  background: var(--surface); border: 1px solid var(--line); border-radius: 999px;
  padding: 8px 16px; font-size: 12.5px; display: flex; gap: 12px; align-items: center;
  box-shadow: 0 6px 24px rgba(0,0,0,.25);
}
.switcher span { color: var(--muted); }
.switcher a { font-weight: 700; text-decoration: none; color: var(--ink); }
.switcher a.on { color: var(--accent); }

/* ---------- Animacje wejścia ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------- Responsywność ---------- */
@media (max-width: 980px) {
  .calc, .law { grid-template-columns: 1fr; }
  .steps, .team { grid-template-columns: 1fr 1fr; }
  .blogcards { grid-template-columns: 1fr; }
  .nav ul { gap: 18px; }
}
@media (max-width: 720px) {
  .site .wrap { min-height: 62px; }
  .nav { position: fixed; inset: 62px 0 auto 0; background: var(--bg); border-bottom: 1px solid var(--line);
    padding: 10px 22px 20px; display: none; }
  .nav.open { display: block; }
  .nav ul { flex-direction: column; gap: 4px; }
  .nav a { display: block; padding: 10px 0; font-size: 17px; }
  .navtoggle { display: block; }
  .site .btn { display: none; }
  .hero { padding: 56px 0 40px; }
  .sec { padding: 56px 0; }
  .formgrid { grid-template-columns: 1fr; }
  .steps, .team { grid-template-columns: 1fr; }
  .stickycta { display: flex; }
  .foot { padding-bottom: 130px; }
  .switcher { bottom: 68px; }
}