/* FinansowyMiks — style
   Paleta: granat #003366, limonka #C9F24D (tylko wypełnienia), krem #F7F5F0 */

:root {
  --navy: #003366;
  --navy-deep: #00264d;
  --lime: #c9f24d;
  --lime-dark: #b4de33;
  --cream: #f7f5f0;
  --cream-2: #efebe2;
  --paper: #ffffff;
  --ink: #0d2a47;
  --muted: #52647a;
  --line: rgba(0, 51, 102, 0.14);
  --line-strong: rgba(0, 51, 102, 0.55);
  --line-light: rgba(255, 255, 255, 0.18);
  --danger: #b3261e;

  --font-display: "Bricolage Grotesque", "Instrument Sans", system-ui, sans-serif;
  --font-body: "Instrument Sans", system-ui, -apple-system, "Segoe UI", sans-serif;

  --r-sm: 10px;
  --r-md: 18px;
  --r-lg: 32px;
  --wrap: 1200px;
  --gutter: clamp(20px, 4vw, 40px);
  --section: clamp(72px, 10vw, 136px);
  --header-h: 76px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 12px);
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}

img { display: block; max-width: 100%; height: auto; }
picture { display: contents; }
a { color: inherit; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, p, figure, dl, dd { margin: 0; }

h1, h2, h3 {
  font-family: var(--font-display);
  color: var(--navy);
  line-height: 1.04;
  letter-spacing: -0.025em;
  text-wrap: balance;
}
h2 { font-size: clamp(2rem, 4.4vw, 3.4rem); font-weight: 600; }
h3 { font-size: clamp(1.3rem, 2vw, 1.6rem); font-weight: 600; line-height: 1.15; letter-spacing: -0.015em; }

:focus-visible {
  outline: 3px solid var(--navy);
  outline-offset: 3px;
  border-radius: 6px;
}
.section-navy :focus-visible, .site-footer :focus-visible, .mobile-cta :focus-visible { outline-color: var(--lime); }
.section-navy .form :focus-visible { outline-color: var(--navy); }

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

.sr-only {
  position: absolute; width: 1px; height: 1px; overflow: hidden;
  clip-path: inset(50%); white-space: nowrap;
}

.skip {
  position: absolute; left: 16px; top: -60px; z-index: 100;
  background: var(--navy); color: #fff; padding: 12px 18px; border-radius: var(--r-sm);
  transition: top 0.2s;
}
.skip:focus { top: 12px; }

/* ---------- Przyciski ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 48px; padding: 12px 22px;
  border: 1.5px solid transparent; border-radius: 999px;
  font: 600 1rem/1.2 var(--font-body);
  text-decoration: none; cursor: pointer;
  transition: background-color 0.2s, color 0.2s, border-color 0.2s, transform 0.2s var(--ease);
}
.btn:active { transform: scale(0.97); }
.btn-lg { min-height: 58px; padding: 16px 30px; font-size: 1.0625rem; }
.btn-primary { background: var(--lime); color: var(--navy); }
.btn-primary:hover { background: var(--lime-dark); }
.btn-ghost { border-color: var(--navy); color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: #fff; }
.btn-ghost-light { border-color: rgba(255, 255, 255, 0.5); color: #fff; }

/* ---------- Nagłówek ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(247, 245, 240, 0);
  border-bottom: 1px solid transparent;
  transition: background-color 0.3s, border-color 0.3s;
}
.site-header.is-scrolled {
  background: rgba(247, 245, 240, 0.9);
  -webkit-backdrop-filter: blur(14px); backdrop-filter: blur(14px);
  border-bottom-color: var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: var(--header-h); gap: 24px; }

.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark svg { display: block; }
.brand-name { font: 700 1.25rem/1 var(--font-display); letter-spacing: -0.02em; color: var(--navy); }
.brand-name span { font-weight: 500; }

.nav { display: flex; align-items: center; gap: clamp(16px, 2.4vw, 34px); }
.nav a:not(.btn) {
  position: relative; padding: 10px 0; text-decoration: none;
  font-weight: 500; font-size: 0.98rem; color: var(--navy);
}
.nav a:not(.btn)::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 4px; height: 2px;
  background: var(--navy); transform: scaleX(0); transform-origin: left;
  transition: transform 0.3s var(--ease);
}
.nav a:not(.btn):hover::after { transform: scaleX(1); }

.nav-toggle {
  display: none; width: 48px; height: 48px; padding: 0;
  border: 1.5px solid var(--line-strong); border-radius: 50%;
  background: transparent; cursor: pointer; color: var(--navy);
}
.nav-toggle-bars, .nav-toggle-bars::before, .nav-toggle-bars::after {
  display: block; width: 18px; height: 2px; background: currentColor; border-radius: 2px;
  transition: transform 0.3s var(--ease), opacity 0.2s;
}
.nav-toggle-bars { position: relative; margin: auto; }
.nav-toggle-bars::before, .nav-toggle-bars::after { content: ""; position: absolute; left: 0; }
.nav-toggle-bars::before { top: -6px; }
.nav-toggle-bars::after { top: 6px; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars { background: transparent; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars::before { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars::after { transform: translateY(-6px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero { padding: clamp(24px, 4vw, 56px) 0 clamp(64px, 8vw, 112px); }
.hero-grid {
  display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr);
  gap: clamp(32px, 6vw, 88px); align-items: center;
}
.hero-title {
  font-size: clamp(2.7rem, 6.2vw, 5.3rem);
  font-weight: 700; line-height: 0.95; letter-spacing: -0.045em;
}
.hero-title .line { display: block; overflow: hidden; padding-block: 0.09em; margin-block: -0.09em; }
.hero-title .line > span { display: inline-block; }
.hero-lead { max-width: 34em; margin-top: clamp(22px, 3vw, 34px); font-size: clamp(1.08rem, 1.5vw, 1.28rem); color: var(--muted); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: clamp(26px, 3.4vw, 40px); }
.hero-facts {
  display: flex; flex-wrap: wrap; gap: 10px 28px;
  margin-top: clamp(28px, 4vw, 48px); padding-top: 22px; border-top: 1px solid var(--line);
  font-size: 0.96rem; font-weight: 500; color: var(--navy);
}
.hero-facts li { display: flex; align-items: center; gap: 10px; }
.hero-facts li::before {
  content: ""; flex: none; width: 9px; height: 9px; border-radius: 50%;
  background: var(--lime); box-shadow: 0 0 0 1.5px var(--navy);
}

.hero-visual { position: relative; }
.portrait {
  position: relative; overflow: hidden;
  aspect-ratio: 4 / 5; border-radius: var(--r-lg);
}
.portrait img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 62%; }
/* Maska zdjęcia: <picture> wjeżdża od dołu, a obraz przesuwa się przeciwnie, więc stoi w miejscu. */
.portrait picture, [data-anim="unveil"] picture { display: block; width: 100%; height: 100%; overflow: hidden; border-radius: inherit; }
.portrait figcaption {
  position: absolute; right: 14px; top: 14px;
  display: grid; gap: 2px; padding: 10px 16px;
  background: rgba(247, 245, 240, 0.92); -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px);
  border-radius: 14px; font-size: 0.85rem; line-height: 1.25; color: var(--muted);
}
.portrait figcaption strong { font: 600 1rem/1.2 var(--font-display); color: var(--navy); }

.rate-card {
  grid-column: 1 / -1;
  display: grid; grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.2fr) auto; align-items: center;
  gap: 20px clamp(24px, 4vw, 56px);
  margin-top: clamp(4px, 1.5vw, 20px); padding: 24px clamp(22px, 3vw, 36px);
  background: var(--navy); color: #fff; border-radius: 24px;
}
.rate-rows { display: grid; gap: 10px; }
.rate-card-title { font: 600 1.12rem/1.2 var(--font-display); letter-spacing: -0.01em; }
.rate-card-sub { margin-top: 4px; font-size: 0.84rem; color: rgba(255, 255, 255, 0.74); }
.rate-row { display: grid; grid-template-columns: 44px 1fr auto; align-items: center; gap: 10px; font-size: 0.92rem; }
.rate-label { color: rgba(255, 255, 255, 0.74); font-variant-numeric: tabular-nums; }
.rate-value { font-weight: 600; font-variant-numeric: tabular-nums; }
.rate-bar { height: 10px; border-radius: 99px; background: rgba(255, 255, 255, 0.12); overflow: hidden; }
.rate-bar i { display: block; height: 100%; width: var(--w); border-radius: inherit; background: rgba(255, 255, 255, 0.55); transform-origin: left; }
.rate-row.is-better .rate-bar i { background: var(--lime); }
.rate-card-result { padding-left: clamp(24px, 4vw, 56px); border-left: 1px solid var(--line-light); font-size: 0.92rem; line-height: 1.35; }
.rate-card-result strong { display: block; font: 700 1.7rem/1.1 var(--font-display); letter-spacing: -0.02em; color: var(--lime); font-variant-numeric: tabular-nums; }

/* ---------- Manifest ---------- */
.manifest { padding-block: clamp(48px, 7vw, 104px); border-top: 1px solid var(--line); }
.manifest-text {
  max-width: 21em;
  font: 600 clamp(1.75rem, 4.5vw, 3.7rem)/1.1 var(--font-display);
  letter-spacing: -0.035em; color: var(--navy);
}
.manifest-text .w { transition: opacity 0.15s linear; }

/* ---------- Sekcje ---------- */
.section { padding-block: var(--section); }
.section-tint { background: var(--cream-2); }
.section-navy { background: var(--navy); color: rgba(255, 255, 255, 0.86); }
.section-navy h2, .section-navy h3 { color: #fff; }

.section-head { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: 20px 64px; align-items: end; margin-bottom: clamp(36px, 5vw, 64px); }
.section-head p { max-width: 30em; color: var(--muted); font-size: 1.1rem; }

/* ---------- Usługi ---------- */
.services { position: relative; }
.services::before, .service::before {
  content: ""; position: absolute; left: 0; right: 0; height: 1px; background: var(--line);
  transform-origin: left;
}
.services::before { top: 0; }
.service::before { bottom: 0; }
.service {
  position: relative;
  display: grid; grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr) 230px; gap: 16px 48px; align-items: center;
  padding: clamp(24px, 3.4vw, 40px) clamp(0px, 1.5vw, 20px);
  transition: background-color 0.3s;
}
.service h3, .service p { transition: translate 0.4s var(--ease); }
.service h3 { font-size: clamp(1.5rem, 2.8vw, 2.3rem); }
.service p { color: var(--muted); max-width: 36em; }
.service a {
  display: inline-flex; align-items: center; min-height: 44px; padding: 8px 18px;
  border: 1.5px solid var(--navy); border-radius: 999px;
  font-weight: 600; font-size: 0.94rem; color: var(--navy); text-decoration: none; white-space: nowrap;
  justify-self: end;
  transition: background-color 0.2s, border-color 0.2s;
}
.service a::after { content: ""; position: absolute; inset: 0; }
@media (hover: hover) {
  .service:hover { background: var(--paper); }
  .service:hover h3, .service:hover p { translate: 14px 0; }
  .service:hover a { background: var(--lime); border-color: var(--lime); }
}

/* ---------- Kalkulator ---------- */
.calc-intro { max-width: 720px; margin-bottom: clamp(32px, 4vw, 52px); }
.calc-intro p { margin-top: 18px; font-size: 1.1rem; max-width: 34em; }
.calc-panel {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  border: 1px solid var(--line-light); border-radius: var(--r-lg); overflow: clip;
}
.calc-controls { display: grid; gap: clamp(26px, 3vw, 38px); align-content: center; padding: clamp(24px, 4vw, 52px); }
.field-range { display: grid; grid-template-columns: 1fr auto; gap: 10px 16px; align-items: baseline; }
.field-range label { font-weight: 500; color: rgba(255, 255, 255, 0.8); }
.num {
  display: inline-flex; align-items: baseline; gap: 6px;
  font: 600 1.45rem/1 var(--font-display); color: #fff; font-variant-numeric: tabular-nums;
  border-bottom: 1.5px dashed rgba(255, 255, 255, 0.5); cursor: text;
  transition: border-color 0.2s;
}
.num:hover { border-bottom-color: #fff; }
.num:focus-within { border-bottom: 1.5px solid var(--lime); }
.num-input {
  width: 7ch; min-width: 2ch; padding: 8px 0 6px; margin: 0;
  border: 0; border-radius: 0; background: transparent; color: inherit; font: inherit; text-align: right;
  field-sizing: content;
}
.num-input:focus { outline: none; }
.field-range input { grid-column: 1 / -1; }

input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 32px; margin: 0; background: transparent; cursor: pointer;
  --fill: 50%;
}
input[type="range"]::-webkit-slider-runnable-track {
  height: 6px; border-radius: 99px;
  background: linear-gradient(to right, var(--lime) var(--fill), rgba(255, 255, 255, 0.3) var(--fill));
}
input[type="range"]::-moz-range-track { height: 6px; border-radius: 99px; background: rgba(255, 255, 255, 0.3); }
input[type="range"]::-moz-range-progress { height: 6px; border-radius: 99px; background: var(--lime); }
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 26px; height: 26px; margin-top: -10px; border-radius: 50%;
  background: var(--lime); border: 4px solid var(--navy); box-shadow: 0 0 0 1.5px var(--lime);
  transition: transform 0.2s var(--ease);
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--lime); border: 4px solid var(--navy); box-shadow: 0 0 0 1.5px var(--lime);
}
input[type="range"]:active::-webkit-slider-thumb { transform: scale(1.15); }

.calc-result { background: var(--navy-deep); border-left: 1px solid var(--line-light); }
.calc-top { padding: clamp(24px, 4vw, 52px) clamp(24px, 4vw, 52px) 0; }
.calc-rest { padding: 0 clamp(24px, 4vw, 52px) clamp(24px, 4vw, 52px); }
.calc-label { font-weight: 500; color: rgba(255, 255, 255, 0.8); }
.calc-rate { font: 700 clamp(3rem, 7vw, 5.2rem)/1 var(--font-display); letter-spacing: -0.04em; color: #fff; font-variant-numeric: tabular-nums; margin-top: 6px; }
.calc-list { margin-top: 22px; border-top: 1px solid var(--line-light); }
.calc-list div { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--line-light); }
.calc-list dd { font-weight: 600; color: #fff; font-variant-numeric: tabular-nums; white-space: nowrap; }

.chart { margin: 26px 0 16px; }
.chart figcaption { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 4px 12px; font-size: 0.9rem; color: rgba(255, 255, 255, 0.8); }
.chart-legend { font-variant-numeric: tabular-nums; }
.chart-legend i { display: inline-block; width: 14px; height: 3px; margin: 0 6px 0 10px; border-radius: 2px; vertical-align: middle; }
.chart-legend .k-a { background: rgba(255, 255, 255, 0.6); margin-left: 0; }
.chart-legend .k-b { background: var(--lime); }
.chart svg { display: block; width: 100%; height: auto; margin-top: 12px; overflow: visible; }
.chart-base { stroke: var(--line-light); stroke-width: 1; }
.chart-line { fill: none; stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }
.chart-a { stroke: rgba(255, 255, 255, 0.6); }
.chart-b { stroke: var(--lime); }
.chart-gap { fill: rgba(201, 242, 77, 0.16); }
.chart-axis { display: flex; justify-content: space-between; margin-top: 6px; font-size: 0.82rem; color: rgba(255, 255, 255, 0.7); }

.calc-saving { margin-bottom: 26px; color: #fff; }
.calc-saving strong { color: var(--lime); font-variant-numeric: tabular-nums; white-space: nowrap; }
.calc-disclaimer { margin-top: 20px; font-size: 0.86rem; color: rgba(255, 255, 255, 0.7); max-width: 62em; }

/* ---------- Kroki ---------- */
.process { display: grid; grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr); gap: clamp(32px, 7vw, 112px); align-items: start; }
.process-side { position: sticky; top: calc(var(--header-h) + 28px); }
.process-side > p { margin-top: 18px; max-width: 26em; color: var(--muted); font-size: 1.1rem; }
.process-photo { margin-top: 32px; overflow: hidden; aspect-ratio: 5 / 4; border-radius: var(--r-lg); }
.process-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 72%; }

.steps { position: relative; --p: 1; }
.steps::before, .steps::after {
  content: ""; position: absolute; left: 27px; top: 28px; bottom: 28px; width: 2px;
}
.steps::before { background: var(--line); }
.steps::after { background: var(--navy); transform: scaleY(var(--p)); transform-origin: top; }
.steps li { position: relative; z-index: 1; display: grid; grid-template-columns: 56px minmax(0, 1fr); gap: clamp(18px, 2.4vw, 32px); padding-bottom: clamp(40px, 6vw, 84px); }
.steps li:last-child { padding-bottom: 0; }
.step-no {
  display: grid; place-items: center; width: 56px; height: 56px;
  border-radius: 50%; border: 2px solid var(--navy); background: var(--lime); color: var(--navy);
  font: 700 1.25rem/1 var(--font-display);
  transition: background-color 0.4s, border-color 0.4s;
}
.steps.is-live li:not(.is-done) .step-no { background: var(--cream); border-color: var(--line-strong); }
.steps h3 { padding-top: 12px; font-size: clamp(1.4rem, 2.4vw, 2rem); }
.steps p { margin-top: 10px; max-width: 30em; color: var(--muted); }

/* ---------- O mnie ---------- */
.about { display: grid; grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr); gap: clamp(32px, 6vw, 96px); align-items: center; }
.about-photo { overflow: hidden; aspect-ratio: 4 / 5; border-radius: var(--r-lg); }
.about-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 40% 80%; }
.about-lead { margin-top: 22px; font-size: clamp(1.15rem, 1.8vw, 1.4rem); line-height: 1.45; color: var(--navy); font-weight: 500; }
.about-copy > p:not(.about-lead) { margin-top: 16px; color: var(--muted); max-width: 40em; }
.about-points { margin-top: 28px; display: grid; gap: 14px; border-top: 1px solid var(--line); padding-top: 26px; }
.about-points li { position: relative; padding-left: 32px; color: var(--muted); }
.about-points strong { color: var(--navy); font-weight: 600; }
.about-points li::before {
  content: ""; position: absolute; left: 0; top: 0.28em; width: 20px; height: 20px; border-radius: 50%;
  background: var(--lime) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.3l3 3 6-6.5' fill='none' stroke='%23003366' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / contain no-repeat;
}
.socials { margin-top: 34px; }
.socials p { font-size: 0.98rem; color: var(--muted); }
.socials ul { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 12px; }
.socials a {
  display: inline-flex; align-items: center; min-height: 44px; padding: 8px 18px;
  border: 1.5px solid var(--navy); border-radius: 999px; text-decoration: none; font-weight: 600; font-size: 0.95rem; color: var(--navy);
  transition: background-color 0.2s, color 0.2s;
}
.socials a:hover { background: var(--navy); color: #fff; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 860px; margin-left: auto; border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 24px 4px; cursor: pointer; list-style: none;
  font: 600 clamp(1.15rem, 1.9vw, 1.45rem)/1.25 var(--font-display); letter-spacing: -0.015em; color: var(--navy);
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: ""; flex: none; width: 40px; height: 40px; border-radius: 50%;
  background: var(--paper) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 40 40'%3E%3Cpath d='M13 20h14M20 13v14' stroke='%23003366' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") center / contain no-repeat;
  transition: transform 0.35s var(--ease), background-color 0.2s;
}
.faq-list details[open] summary::after { transform: rotate(45deg); background-color: var(--lime); }
.faq-body { overflow: hidden; color: var(--muted); max-width: 44em; }
.faq-body > p { padding: 0 60px 26px 4px; }
.faq-list details.is-closing summary::after { transform: none; background-color: var(--paper); }

/* ---------- Kontakt ---------- */
.contact { display: grid; grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr); gap: clamp(32px, 6vw, 88px); align-items: start; }
.contact-copy > p { margin-top: 18px; font-size: 1.1rem; max-width: 26em; }
.contact-person { display: flex; align-items: center; gap: 14px; margin-top: 30px; }
.contact-person img { flex: none; width: 64px; height: 64px; border-radius: 50%; object-fit: cover; border: 2px solid var(--lime); }
.contact-person p { font-size: 0.92rem; line-height: 1.35; color: rgba(255, 255, 255, 0.78); }
.contact-person strong { display: block; font: 600 1.1rem/1.25 var(--font-display); color: #fff; }
.contact-list { margin-top: 28px; border-top: 1px solid var(--line-light); }
.contact-list li { display: grid; gap: 2px; padding: 16px 0; border-bottom: 1px solid var(--line-light); }
.contact-list span { font-size: 0.86rem; color: rgba(255, 255, 255, 0.72); }
.contact-list a, .contact-list p { font: 600 clamp(1.1rem, 1.9vw, 1.4rem)/1.3 var(--font-display); color: #fff; text-decoration: none; overflow-wrap: anywhere; }
.contact-list a:hover { color: var(--lime); }

.form { padding: clamp(22px, 3.4vw, 40px); background: var(--cream); color: var(--ink); border-radius: var(--r-lg); }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 16px; }
.field { display: grid; gap: 6px; align-content: start; }
.field-wide { grid-column: 1 / -1; }
.field label { font-weight: 600; font-size: 0.94rem; color: var(--navy); }
.field label small { font-weight: 400; font-size: inherit; color: var(--muted); }
.field input:not([type="checkbox"]), .field select, .field textarea {
  width: 100%; min-height: 50px; padding: 12px 14px;
  border: 1.5px solid var(--line-strong); border-radius: var(--r-sm);
  background: var(--paper); color: var(--ink); font: inherit; font-size: 1rem;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.field textarea { resize: vertical; min-height: 96px; }
.field input:not([type="checkbox"]):focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(0, 51, 102, 0.22);
}
.field [aria-invalid="true"] { border-color: var(--danger) !important; }
.field-error { font-size: 0.86rem; color: var(--danger); font-weight: 500; }
.field-hp { position: absolute; left: -9999px; }
.field-check { grid-template-columns: 24px 1fr; gap: 6px 12px; align-items: start; }
.field-check input { width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--navy); }
.field-check label { font-weight: 400; color: var(--ink); }
.field-check label a { color: var(--navy); font-weight: 600; text-underline-offset: 3px; }
.field-check .field-error { grid-column: 2; }
.form-submit { width: 100%; margin-top: 22px; border-color: var(--navy); }
.form-submit[disabled] { opacity: 0.6; cursor: progress; }
.form-status { margin-top: 14px; font-weight: 500; color: var(--navy); min-height: 1.6em; }
.form-status.is-error { color: var(--danger); }

/* ---------- Stopka ---------- */
.site-footer { background: var(--navy-deep); color: rgba(255, 255, 255, 0.78); padding: 56px 0; font-size: 0.96rem; }
.footer-inner { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 28px 40px; }
.footer-brand { font: 700 1.4rem/1.1 var(--font-display); color: #fff; margin-bottom: 6px; }
.footer-links { display: grid; gap: 4px; align-content: start; }
.footer-links a { display: inline-flex; align-items: center; min-height: 44px; text-decoration: none; color: #fff; overflow-wrap: anywhere; }
.footer-links a:hover { color: var(--lime); }
.footer-legal a { color: #fff; text-underline-offset: 3px; }
.footer-legal { grid-column: 1 / -1; padding-top: 24px; border-top: 1px solid var(--line-light); font-size: 0.86rem; color: rgba(255, 255, 255, 0.7); }

/* ---------- Pasek kontaktu na telefonie ---------- */
.mobile-cta {
  display: none; position: fixed; left: 12px; right: 12px; bottom: max(12px, env(safe-area-inset-bottom)); z-index: 40;
  gap: 8px; padding: 8px; background: var(--navy); border-radius: 999px;
  box-shadow: 0 16px 36px -14px rgba(0, 38, 77, 0.7);
  transform: translateY(160%); transition: transform 0.45s var(--ease);
}
.mobile-cta.is-visible { transform: none; }
.mobile-cta .btn-primary { flex: 1; }
.mobile-cta .btn-ghost-light { width: 48px; padding: 0; }

/* ---------- Ruch ---------- */
@keyframes rise { from { transform: translateY(110%); } to { transform: none; } }
@keyframes fade { from { opacity: 0; } to { opacity: 1; } }
@keyframes mask-in { from { translate: 0 100%; } to { translate: 0 0; } }
@keyframes mask-in-inner { from { translate: 0 -100%; } to { translate: 0 0; } }
@keyframes settle { from { scale: 1.12; } to { scale: 1; } }
@keyframes grow { from { transform: scaleX(0); } to { transform: none; } }

@media (prefers-reduced-motion: no-preference) {
  /* Wejście: jedna sekwencja w hero */
  .hero-title .line > span { animation: rise 0.9s var(--ease) both; }
  .hero-title .line:nth-child(2) > span { animation-delay: 0.08s; }
  .hero-title .line:nth-child(3) > span { animation-delay: 0.16s; }
  .hero-lead { animation: fade 0.9s ease 0.4s both; }
  .hero-actions { animation: fade 0.9s ease 0.5s both; }
  .hero-facts { animation: fade 0.9s ease 0.6s both; }
  .portrait picture { animation: mask-in 1.1s var(--ease) 0.15s both; }
  .portrait img { animation: mask-in-inner 1.1s var(--ease) 0.15s both, settle 1.6s var(--ease) 0.15s both; }
  .portrait figcaption { animation: fade 0.7s ease 0.9s both; }
  .rate-card { animation: fade 0.7s ease 0.8s both; }
  .rate-bar i { animation: grow 0.9s var(--ease) 1.15s both; }
  .rate-row.is-better .rate-bar i { animation-delay: 1.3s; }

  /* Manifest: słowa nabierają koloru wraz z przewijaniem */
  .manifest-text.is-live .w { opacity: 0.16; }

  /* Nagłówki sekcji wysuwają się zza linii, tak jak tytuł w hero */
  .js [data-anim="wipe"] { overflow: hidden; padding-block: 0.14em; margin-block: -0.14em; }
  .js [data-anim="wipe"] .wipe-in { display: block; translate: 0 118%; transition: translate 0.9s var(--ease); }
  .js [data-anim="wipe"].is-in .wipe-in { translate: 0 0; }

  /* Usługi: linie rysują się po kolei, treść tylko się rozjaśnia */
  .js [data-anim="rows"]::before, .js [data-anim="rows"] .service::before { transform: scaleX(0); transition: transform 1s var(--ease); }
  .js [data-anim="rows"] .service > * { opacity: 0; transition: opacity 0.7s ease, translate 0.4s var(--ease); }
  .js [data-anim="rows"].is-in::before, .js [data-anim="rows"].is-in .service::before { transform: none; }
  .js [data-anim="rows"].is-in .service > * { opacity: 1; }
  .js [data-anim="rows"] .service:nth-child(1)::before, .js [data-anim="rows"] .service:nth-child(1) > * { transition-delay: 0.12s, 0s; }
  .js [data-anim="rows"] .service:nth-child(2)::before, .js [data-anim="rows"] .service:nth-child(2) > * { transition-delay: 0.24s, 0s; }
  .js [data-anim="rows"] .service:nth-child(3)::before, .js [data-anim="rows"] .service:nth-child(3) > * { transition-delay: 0.36s, 0s; }
  .js [data-anim="rows"] .service:nth-child(4)::before, .js [data-anim="rows"] .service:nth-child(4) > * { transition-delay: 0.48s, 0s; }

  /* Zdjęcia odsłaniają się tak samo jak portret w hero */
  .js [data-anim="unveil"] picture { translate: 0 100%; transition: translate 1.1s var(--ease); }
  .js [data-anim="unveil"] img { translate: 0 -100%; scale: 1.12; transition: translate 1.1s var(--ease), scale 1.6s var(--ease); }
  .js [data-anim="unveil"].is-in picture { translate: 0 0; }
  .js [data-anim="unveil"].is-in img { translate: 0 0; scale: 1; }

  /* Wykres rysuje się przy pierwszym pokazaniu */
  .js [data-anim="chart"] .chart-line { stroke-dasharray: 1; stroke-dashoffset: 1; transition: stroke-dashoffset 1.5s var(--ease); }
  .js [data-anim="chart"] .chart-b { transition-delay: 0.25s; }
  .js [data-anim="chart"] .chart-gap { opacity: 0; transition: opacity 0.8s ease 1.1s; }
  .js [data-anim="chart"].is-in .chart-line { stroke-dashoffset: 0; }
  .js [data-anim="chart"].is-in .chart-gap { opacity: 1; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* ---------- Responsywność ---------- */
@media (max-height: 780px) {
  .process-side { position: static; }
}

@media (max-width: 1080px) {
  .service { grid-template-columns: minmax(0, 1fr) auto; }
  .service p { grid-column: 1 / -1; grid-row: 2; }
}

@media (max-width: 960px) {
  .nav-toggle { display: grid; place-items: center; }
  .nav {
    position: absolute; left: 12px; right: 12px; top: calc(100% + 6px);
    flex-direction: column; align-items: stretch; gap: 0; padding: 10px 20px 20px;
    background: var(--paper); border: 1px solid var(--line); border-radius: 24px;
    box-shadow: 0 24px 48px -24px rgba(0, 38, 77, 0.4);
    opacity: 0; visibility: hidden; transform: translateY(-8px);
    transition: opacity 0.25s, transform 0.3s var(--ease), visibility 0.25s;
  }
  .nav.is-open { opacity: 1; visibility: visible; transform: none; }
  .nav a:not(.btn) { padding: 15px 0; border-bottom: 1px solid var(--line); font-size: 1.08rem; }
  .nav a:not(.btn)::after { display: none; }
  .nav-cta { margin-top: 16px; }

  .hero-grid, .about, .contact, .calc-panel, .section-head, .process { grid-template-columns: minmax(0, 1fr); }
  .hero-visual { max-width: 520px; }
  .rate-card { grid-template-columns: minmax(0, 1fr); }
  .rate-card-result { padding: 16px 0 0; border-left: 0; border-top: 1px solid var(--line-light); }
  .portrait figcaption { right: auto; left: 14px; }
  .about-photo { max-width: 460px; }
  .process-side { position: static; }
  .faq-list { margin-left: 0; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .footer-inner > div:first-child { grid-column: 1 / -1; }
  .site-footer { padding-bottom: 110px; }
  .mobile-cta { display: flex; }

  /* Kalkulator: rata przyklejona nad suwakami, żeby wynik był widoczny podczas przesuwania */
  .calc-result { display: contents; }
  .calc-top {
    order: -1; position: sticky; top: var(--header-h); z-index: 2;
    display: flex; align-items: baseline; justify-content: space-between; gap: 12px;
    padding: 16px clamp(20px, 4vw, 52px);
    background: var(--navy-deep); border-bottom: 1px solid var(--line-light);
  }
  .calc-rate { margin: 0; font-size: clamp(2rem, 8vw, 3rem); white-space: nowrap; }
  .calc-rest { padding-top: 4px; background: var(--navy-deep); border-top: 1px solid var(--line-light); }
}

@media (max-width: 600px) {
  :root { --header-h: 68px; }
  body { font-size: 1rem; }

  /* Hero: tytuł, od razu zdjęcie z kartą, potem opis. Przycisk siedzi w stałym pasku na dole. */
  .hero { padding-top: 12px; }
  .hero-grid { gap: 22px; }
  .hero-copy { display: contents; }
  .hero-title { order: 1; font-size: clamp(2.5rem, 12.4vw, 3.4rem); }
  .hero-visual { order: 2; margin-bottom: 0; }
  .hero-lead { order: 3; margin-top: 6px; }
  .hero-actions { display: none; }
  .hero-facts { order: 4; flex-direction: column; margin-top: 0; }
  .portrait { aspect-ratio: 1 / 1; border-radius: 24px; }
  .portrait img { object-position: 50% 46%; }
  .rate-card { order: 5; margin-top: 0; }

  .mobile-cta { transform: none; }

  .service { grid-template-columns: minmax(0, 1fr); gap: 12px; }
  .service p { grid-row: auto; }
  .service a { justify-self: start; }

  /* Kroki: przesuwane karty zamiast długiej listy */
  .steps {
    display: flex; gap: 12px; overflow-x: auto; overscroll-behavior-x: contain;
    scroll-snap-type: x mandatory; scroll-padding-inline: var(--gutter);
    margin-inline: calc(var(--gutter) * -1); padding: 4px var(--gutter) 14px;
    scrollbar-width: none;
  }
  .steps::-webkit-scrollbar { display: none; }
  .steps::before, .steps::after { display: none; }
  .steps li {
    flex: 0 0 80%; display: block; scroll-snap-align: start;
    padding: 22px; background: var(--paper); border: 1px solid var(--line); border-radius: 22px;
  }
  .steps li:last-child { padding-bottom: 22px; }
  .steps.is-live li:not(.is-done) .step-no { background: var(--lime); border-color: var(--navy); }
  .step-no { width: 44px; height: 44px; font-size: 1.1rem; }
  .steps h3 { padding-top: 16px; }
  .process-photo { margin-top: 24px; aspect-ratio: 3 / 2; border-radius: 24px; }

  .form-grid { grid-template-columns: minmax(0, 1fr); }
  .faq-body > p { padding-right: 8px; }
  .footer-inner { grid-template-columns: 1fr; }
  .calc-list div { flex-direction: column; gap: 2px; }
}

/* Pasek chowa się, gdy formularz jest na ekranie (reguła na końcu, żeby wygrywała z powyższymi). */
.mobile-cta.in-contact { transform: translateY(160%); }

/* ---------- Podstrony tekstowe (polityka prywatności, 404) ---------- */
.doc { padding-block: clamp(40px, 7vw, 96px) var(--section); }
.doc .wrap { max-width: 820px; }
.doc h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); font-weight: 700; letter-spacing: -0.04em; }
.doc h2 { margin-top: 44px; font-size: clamp(1.3rem, 2.4vw, 1.7rem); }
.doc p, .doc li { margin-top: 12px; color: var(--ink); max-width: 68ch; }
.doc ul { margin-top: 4px; padding-left: 22px; list-style: disc; }
.doc a { color: var(--navy); font-weight: 600; text-underline-offset: 3px; }
.doc .doc-meta { margin-top: 14px; color: var(--muted); }
.doc .btn { margin-top: 28px; }
.doc mark { background: var(--lime); color: var(--navy); padding: 0 4px; border-radius: 4px; }

.site-header .btn { white-space: nowrap; }