/* =========================================================
   Kalkulator Kredytu — globalny arkusz stylów
   Mobile-First | jednostki vw/vh/rem/% | bez frameworków
   ========================================================= */

:root{
  /* Paleta — granat zaufania + zieleń pieniądza + ciepły akcent */
  --ink:#0d1b2a;          /* granatowa czerń — tekst, nagłówki */
  --ink-soft:#3a4a5c;     /* tekst pomocniczy */
  --paper:#f7f9fb;        /* tło strony */
  --card:#ffffff;         /* karty, pola */
  --line:#e2e8f0;         /* obramowania, linie */
  --brand:#1b4965;        /* granat marki — header, linki */
  --brand-2:#2a7f62;      /* zieleń — wyniki, akcje pozytywne */
  --brand-2-dark:#1f5f49;
  --accent:#e09f3e;       /* bursztyn — wyróżnienia, CTA */
  --danger:#b23a48;       /* koszty, ostrzeżenia */
  --shadow:0 1px 2px rgba(13,27,42,.06),0 8px 24px rgba(13,27,42,.08);
  --radius:14px;
  --radius-sm:10px;
  --maxw:1080px;

  /* Skala typograficzna — płynna, oparta na clamp() */
  --fs-h1:clamp(1.7rem,1.1rem + 3vw,2.6rem);
  --fs-h2:clamp(1.35rem,1rem + 1.6vw,1.9rem);
  --fs-h3:clamp(1.1rem,.95rem + .8vw,1.35rem);
  --fs-body:clamp(1rem,.96rem + .2vw,1.08rem);
  --fs-sm:.9rem;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}

body{
  font-family:"Inter","Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;
  font-size:var(--fs-body);
  line-height:1.7;
  color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}

img{max-width:100%;height:auto;display:block}

a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{
  outline:3px solid var(--accent);outline-offset:2px;border-radius:4px;
}

.wrap{width:min(100% - 2rem,var(--maxw));margin-inline:auto}

/* ---------- Pasek pomijania ---------- */
.skip{position:absolute;left:-999px;top:0;background:var(--accent);color:#fff;padding:.6rem 1rem;z-index:200}
.skip:focus{left:.5rem;top:.5rem}

/* ====================== HEADER ====================== */
.site-header{
  background:var(--brand);
  color:#fff;
  position:sticky;top:0;z-index:100;
  box-shadow:0 2px 12px rgba(13,27,42,.18);
}
.header-bar{
  display:flex;align-items:center;justify-content:space-between;
  gap:1rem;padding:.75rem 0;
}
.brand{
  display:flex;align-items:center;gap:.55rem;
  font-weight:800;font-size:1.15rem;color:#fff;letter-spacing:-.01em;
}
.brand:hover{text-decoration:none}
.brand-mark{
  width:34px;height:34px;border-radius:9px;
  background:linear-gradient(135deg,var(--brand-2),var(--accent));
  display:grid;place-items:center;color:#fff;font-weight:900;font-size:1.1rem;flex:none;
}

/* Nawigacja — czysty HTML/CSS, sterowana checkboxem, bez JS */
.nav-toggle{display:none}
.nav-btn{
  display:none;cursor:pointer;color:#fff;
  font-size:1.5rem;line-height:1;padding:.3rem .55rem;
  border:1px solid rgba(255,255,255,.35);border-radius:8px;background:transparent;
}
.main-nav ul{list-style:none;display:flex;flex-wrap:wrap;gap:.25rem;align-items:center}
.main-nav a{
  color:#eaf2f6;display:block;padding:.5rem .7rem;border-radius:8px;
  font-size:.95rem;font-weight:500;
}
.main-nav a:hover{background:rgba(255,255,255,.12);text-decoration:none;color:#fff}
.main-nav a[aria-current="page"]{background:rgba(255,255,255,.18);color:#fff;font-weight:700}

@media (max-width:860px){
  .nav-btn{display:inline-block}
  .main-nav{
    max-height:0;overflow:hidden;width:100%;
    transition:max-height .3s ease;
  }
  .nav-toggle:checked ~ .main-nav{max-height:34rem}
  .main-nav ul{flex-direction:column;align-items:stretch;padding:.5rem 0 .75rem;gap:.1rem}
  .main-nav a{padding:.7rem .9rem}
  .header-bar{flex-wrap:wrap}
}

/* ====================== BREADCRUMB ====================== */
.crumbs{font-size:var(--fs-sm);color:var(--ink-soft);padding:.9rem 0 .2rem}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;align-items:center}
.crumbs li::after{content:"›";margin-left:.4rem;color:var(--line)}
.crumbs li:last-child::after{content:""}
.crumbs a{color:var(--ink-soft)}

/* ====================== HERO ====================== */
.hero{padding:1.4rem 0 .5rem;text-align:center}
.hero h1{font-size:var(--fs-h1);line-height:1.15;letter-spacing:-.02em;color:var(--ink)}
.hero .lead{
  max-width:46rem;margin:.9rem auto 0;color:var(--ink-soft);
  font-size:clamp(1rem,.95rem + .4vw,1.15rem);
}

/* ====================== KALKULATOR (karta narzędzia) ====================== */
.calc{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:clamp(1.1rem,3vw,1.8rem);margin:1.3rem 0;
}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));gap:1rem}
.field{display:flex;flex-direction:column;gap:.35rem}
.field label{font-weight:600;font-size:.95rem;color:var(--ink)}
.field .hint{font-size:.8rem;color:var(--ink-soft);font-weight:400}
.field input,.field select{
  font:inherit;padding:.75rem .85rem;border:1.5px solid var(--line);
  border-radius:var(--radius-sm);background:#fff;color:var(--ink);width:100%;
  min-height:46px;transition:border-color .15s;
}
.field input:focus,.field select:focus{border-color:var(--brand)}
.input-suffix{position:relative}
.input-suffix span{
  position:absolute;right:.85rem;top:50%;transform:translateY(-50%);
  color:var(--ink-soft);font-size:.85rem;pointer-events:none;
}
.input-suffix input{padding-right:3rem}

.btn{
  font:inherit;font-weight:700;cursor:pointer;border:none;border-radius:var(--radius-sm);
  padding:.85rem 1.4rem;background:var(--brand-2);color:#fff;font-size:1.05rem;
  transition:background .15s,transform .05s;width:100%;
}
.btn:hover{background:var(--brand-2-dark)}
.btn:active{transform:translateY(1px)}
.btn-row{display:flex;gap:.6rem;flex-wrap:wrap;margin-top:1.1rem}
.btn-row .btn{flex:1;min-width:140px}
.btn-ghost{background:transparent;color:var(--brand);border:1.5px solid var(--line)}
.btn-ghost:hover{background:var(--paper)}

/* Wynik */
.result{
  margin-top:1.3rem;border-radius:var(--radius-sm);overflow:hidden;
  border:1px solid var(--line);display:none;
}
.result.show{display:block;animation:fade .35s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.result-head{
  background:linear-gradient(135deg,var(--brand-2),var(--brand-2-dark));
  color:#fff;padding:1rem 1.2rem;
}
.result-head .big{font-size:clamp(1.6rem,1.2rem + 2vw,2.3rem);font-weight:800;line-height:1.1}
.result-head .cap{font-size:.85rem;opacity:.9;text-transform:uppercase;letter-spacing:.05em}
.result-rows{padding:.4rem 1.2rem 1rem}
.result-rows .row{
  display:flex;justify-content:space-between;gap:1rem;
  padding:.65rem 0;border-bottom:1px solid var(--line);font-size:.98rem;
}
.result-rows .row:last-child{border-bottom:none}
.result-rows .row b{color:var(--ink)}
.result-rows .pos{color:var(--brand-2-dark);font-weight:700}
.result-rows .neg{color:var(--danger);font-weight:700}
.disclaimer{font-size:.8rem;color:var(--ink-soft);margin-top:.8rem;font-style:italic}

/* ====================== TREŚĆ / SEKCJE ====================== */
main section{padding:1.4rem 0}
h2{font-size:var(--fs-h2);letter-spacing:-.01em;margin-bottom:.7rem;color:var(--ink)}
h3{font-size:var(--fs-h3);margin:1.1rem 0 .5rem;color:var(--ink)}
h4{font-size:1.05rem;margin:.9rem 0 .4rem;color:var(--brand)}
p{margin-bottom:.9rem;color:var(--ink-soft)}
main p strong,main li strong{color:var(--ink)}
ul.bullets,ol.steps{margin:.4rem 0 1rem 1.3rem;color:var(--ink-soft)}
ul.bullets li,ol.steps li{margin-bottom:.5rem}
.lede{font-size:1.1rem;color:var(--ink)}

/* Siatka kart narzędzi */
.tool-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,260px),1fr));gap:1rem;margin-top:1rem}
.tool-card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.1rem 1.2rem;box-shadow:var(--shadow);transition:transform .12s,box-shadow .12s;
  display:flex;flex-direction:column;gap:.4rem;
}
.tool-card:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(13,27,42,.12);text-decoration:none}
.tool-card .ico{font-size:1.5rem}
.tool-card h3{margin:0;font-size:1.1rem;color:var(--brand)}
.tool-card p{margin:0;font-size:.9rem}
.tool-card .more{margin-top:auto;font-size:.85rem;font-weight:700;color:var(--brand-2-dark)}

/* Tabela */
.table-wrap{overflow-x:auto;margin:1rem 0}
table.data{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
table.data th,table.data td{padding:.7rem .9rem;text-align:left;border-bottom:1px solid var(--line)}
table.data th{background:var(--paper);font-weight:700;color:var(--ink)}
table.data tr:last-child td{border-bottom:none}

/* Kroki "jak używać" */
.how{counter-reset:step;display:grid;gap:.7rem;margin-top:.8rem}
.how .item{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);
  padding:.9rem 1rem .9rem 3.2rem;position:relative;
}
.how .item::before{
  counter-increment:step;content:counter(step);
  position:absolute;left:.9rem;top:50%;transform:translateY(-50%);
  width:1.7rem;height:1.7rem;border-radius:50%;background:var(--brand);color:#fff;
  display:grid;place-items:center;font-weight:800;font-size:.9rem;
}
.how .item h3{margin:0 0 .15rem;font-size:1.02rem}
.how .item p{margin:0;font-size:.9rem}

/* FAQ — natywny details, bez JS */
.faq{margin-top:.8rem}
.faq details{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);
  margin-bottom:.6rem;overflow:hidden;
}
.faq summary{
  cursor:pointer;padding:.95rem 1.1rem;font-weight:600;color:var(--ink);
  list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:center;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--brand);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 1.1rem 1rem;margin:0;font-size:.96rem}

/* Opinie (statyczne) */
.reviews{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr));gap:1rem;margin-top:1rem}
.review{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.1rem 1.2rem;box-shadow:var(--shadow)}
.review .stars{color:var(--accent);letter-spacing:2px;font-size:1rem}
.review p{font-size:.94rem;margin:.5rem 0}
.review .who{font-size:.85rem;color:var(--ink-soft);font-weight:600}

/* Reklama — placeholdery AdSense */
.ad-slot{
  margin:1.4rem 0;min-height:90px;border:1px dashed var(--line);border-radius:var(--radius-sm);
  background:repeating-linear-gradient(45deg,#fbfcfd,#fbfcfd 10px,#f4f7fa 10px,#f4f7fa 20px);
  display:grid;place-items:center;color:#9aa8b6;font-size:.8rem;letter-spacing:.05em;text-transform:uppercase;
}
.ad-label{font-size:.7rem;color:#aab4be;text-align:center;letter-spacing:.1em;text-transform:uppercase;margin-bottom:.2rem}

/* Box informacyjny */
.note{
  background:#eef5f1;border-left:4px solid var(--brand-2);
  padding:1rem 1.2rem;border-radius:0 var(--radius-sm) var(--radius-sm) 0;margin:1rem 0;
}
.note p{margin:0;color:var(--ink)}
.note.warn{background:#fbeef0;border-left-color:var(--danger)}

/* Sekcja „powiązane” */
.related{background:#fff;border-top:1px solid var(--line)}
.pill-row{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:.7rem}
.pill{
  display:inline-block;background:var(--paper);border:1px solid var(--line);
  border-radius:999px;padding:.45rem .9rem;font-size:.88rem;color:var(--brand);font-weight:600;
}
.pill:hover{background:var(--brand);color:#fff;text-decoration:none}

/* Udostępnianie */
.share{display:flex;flex-wrap:wrap;gap:.5rem;align-items:center;margin-top:1rem}
.share span{font-size:.9rem;color:var(--ink-soft);font-weight:600}
.share a,.share button{
  font:inherit;font-size:.85rem;font-weight:600;cursor:pointer;
  border:1px solid var(--line);background:#fff;color:var(--brand);
  padding:.45rem .8rem;border-radius:999px;
}
.share a:hover,.share button:hover{background:var(--brand);color:#fff;text-decoration:none}

/* ====================== FOOTER ====================== */
.site-footer{background:var(--ink);color:#c4d0dc;margin-top:2rem;font-size:.92rem}
.footer-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));
  gap:1.6rem;padding:2.2rem 0 1.4rem;
}
.footer-grid .footer-h{color:#fff;font-size:1rem;font-weight:700;margin:0 0 .7rem}
.footer-grid ul{list-style:none;display:flex;flex-direction:column;gap:.45rem}
.footer-grid a{color:#c4d0dc}
.footer-grid a:hover{color:#fff}
.footer-about p{color:#9fb0bf;font-size:.9rem}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.12);padding:1.1rem 0;
  display:flex;flex-wrap:wrap;justify-content:space-between;gap:.6rem;
  color:#8a9bab;font-size:.82rem;
}

/* Cookies */
.cookie-bar{
  position:fixed;left:.6rem;right:.6rem;bottom:.6rem;z-index:150;
  background:var(--ink);color:#e7eef4;border-radius:var(--radius);
  box-shadow:0 10px 30px rgba(0,0,0,.3);padding:1rem 1.1rem;
  display:flex;flex-wrap:wrap;align-items:center;gap:.8rem;justify-content:space-between;
}
.cookie-bar p{margin:0;font-size:.86rem;color:#cdd9e3;flex:1;min-width:220px}
.cookie-bar a{color:var(--accent)}
.cookie-bar .btn{width:auto;padding:.6rem 1.1rem;font-size:.9rem}
.cookie-hidden{display:none !important}

/* 404 */
.err-page{text-align:center;padding:3rem 0 1rem}
.err-code{font-size:clamp(4rem,10vw,7rem);font-weight:900;color:var(--brand);line-height:1;letter-spacing:-.03em}
.err-page h1{font-size:var(--fs-h2);margin:.5rem 0}

/* Strony tekstowe (polityki) */
.prose{max-width:48rem;margin-inline:auto}
.prose h2{margin-top:1.6rem}
.prose p,.prose li{color:var(--ink-soft)}
.updated{font-size:.85rem;color:var(--ink-soft);font-style:italic}

/* Pomocnicze */
.text-center{text-align:center}
.mt{margin-top:1.2rem}
hr.sep{border:none;border-top:1px solid var(--line);margin:1.6rem 0}

@media (prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important;scroll-behavior:auto !important}
}

/* ====================== Dodatki: wykres, eksport, porada ====================== */
.chart-box{margin-top:1.2rem;padding:1rem;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);display:none}
.chart-box svg{display:block}
#wynik-advice{display:none}
.export-row{display:none;flex-wrap:wrap;gap:.5rem;margin-top:1rem;align-items:center}
.export-row span{font-size:.85rem;color:var(--ink-soft);font-weight:600}
.export-row button{
  font:inherit;font-size:.85rem;font-weight:600;cursor:pointer;
  border:1px solid var(--line);background:#fff;color:var(--brand);
  padding:.45rem .9rem;border-radius:var(--radius-sm);
}
.export-row button:hover{background:var(--brand);color:#fff}

/* Tabela porównawcza (nadpłata: skrócenie vs rata) */
.compare th:first-child{width:40%}
.compare .hi{color:var(--brand-2-dark);font-weight:700}

/* Box prawny / cytat ustawy */
.legal{background:#eef3f8;border:1px solid #d4e2ee;border-radius:var(--radius-sm);padding:1.1rem 1.2rem;margin:1rem 0}
.legal h3,.legal .legal-h{margin-top:0;font-size:1.1rem;font-weight:700;color:var(--ink)}
.legal blockquote{margin:.5rem 0 0;padding-left:1rem;border-left:3px solid var(--brand);font-style:italic;color:var(--ink)}
.legal cite{display:block;margin-top:.4rem;font-size:.82rem;color:var(--ink-soft);font-style:normal}

/* Linki kontekstowe w treści (silos wewnętrzny) */
.ctx-links{background:#f0f5f9;border-left:3px solid var(--brand-2);padding:.9rem 1.1rem;border-radius:var(--radius-sm);font-size:.96rem;color:var(--ink-soft)}
.ctx-links a{color:var(--brand);font-weight:600}