/* =====================================================================
   Audyt umów kredytowych — styles v2
   Typografia: Plus Jakarta Sans (display) + Inter (body)
   Paleta: granat / ciemna zieleń / biel / grafit + złoty akcent
   Mobile-first, premium, grafiki wektorowe (zero stocków).
   ===================================================================== */

:root{
  --navy:#0B2545;
  --navy-2:#13315C;
  --navy-3:#0E2A50;
  --green:#14532D;
  --green-2:#1B5E3F;
  --graphite:#1F2933;
  --gold:#C9A227;
  --gold-2:#B8901F;
  --paper:#FFFFFF;
  --paper-2:#F5F8FB;
  --paper-3:#EEF3F8;
  --line:#E2E8F0;
  --muted:#5B6675;
  --radius:16px;
  --radius-lg:22px;
  --maxw:1160px;
  --shadow:0 8px 24px rgba(11,37,69,.07);
  --shadow-md:0 14px 36px rgba(11,37,69,.10);
  --shadow-lg:0 26px 60px rgba(11,37,69,.18);
  --display:"Plus Jakarta Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--sans);color:var(--graphite);
  background:var(--paper);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
h1,h2,h3{font-family:var(--display);color:var(--navy);line-height:1.12;font-weight:700;letter-spacing:-.02em;margin:0}
h1{font-size:clamp(2.05rem,5.2vw,3.4rem);font-weight:800;margin:.15em 0 .35em}
h2{font-size:clamp(1.55rem,3.4vw,2.35rem);margin:0 0 .5em}
h3{font-size:1.12rem;font-weight:700;margin:0 0 .3em}
p{margin:0 0 1em}
a{color:var(--navy-2);text-decoration:none}
a:hover{text-decoration:underline}

.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 22px}
.narrow{max-width:840px}
.center{text-align:center;margin-top:2.4rem}
.center-sub{margin-left:auto;margin-right:auto;text-align:center}

/* ---------- Ikony ---------- */
.ico{width:1.35em;height:1.35em;flex:0 0 auto;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round;vertical-align:middle}
.ico--xs{width:1.05em;height:1.05em}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5em;
  font-family:var(--display);font-weight:700;font-size:1rem;line-height:1;
  padding:.95rem 1.6rem;border-radius:999px;border:2px solid transparent;cursor:pointer;
  transition:transform .14s ease,box-shadow .2s ease,background .2s ease;text-decoration:none;
}
.btn .ico{width:1.1em;height:1.1em;stroke-width:2.4}
.btn:hover{text-decoration:none;transform:translateY(-2px)}
.btn--gold{background:var(--gold);color:var(--navy);box-shadow:0 10px 24px rgba(201,162,39,.38)}
.btn--gold:hover{background:var(--gold-2);box-shadow:0 14px 30px rgba(201,162,39,.45)}
.btn--ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn--ghost:hover{background:var(--navy);color:#fff}
.btn--block{width:100%}
.btn--lg{padding:1.05rem 1.9rem;font-size:1.05rem}
.btn--sm{padding:.6rem 1.1rem;font-size:.92rem}

/* ---------- Trust bar ---------- */
.trustbar{background:var(--green);color:#EAF3EC;font-size:.9rem;text-align:center;padding:.55rem 16px;display:flex;gap:.5rem;justify-content:center;align-items:center}
.trustbar strong{color:#fff}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.site-header__inner{display:flex;align-items:center;justify-content:space-between;padding:.7rem 0;gap:1rem}
.logo{font-family:var(--display);font-weight:800;font-size:1.3rem;color:var(--navy);letter-spacing:-.03em}
.logo__dot{color:var(--gold)}
.nav{display:none;gap:1.7rem}
.nav a{color:var(--graphite);font-weight:500;font-size:.95rem}
.nav a:hover{color:var(--navy);text-decoration:none}

/* ---------- Hero ---------- */
.hero{position:relative;background:linear-gradient(180deg,#fff 0%,var(--paper-2) 100%);padding:3.2rem 0 3.8rem;overflow:hidden}
.hero__bg{position:absolute;inset:0;z-index:0;pointer-events:none}
.blob{position:absolute;border-radius:50%;filter:blur(60px);opacity:.5}
.blob--1{width:480px;height:480px;background:radial-gradient(circle,#dbe7f5,transparent 70%);top:-160px;right:-120px}
.blob--2{width:420px;height:420px;background:radial-gradient(circle,#e2efe7,transparent 70%);bottom:-180px;left:-140px}
.grid-overlay{position:absolute;inset:0;opacity:.5;
  background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);
  background-size:46px 46px;
  -webkit-mask-image:radial-gradient(circle at 70% 20%,#000,transparent 60%);
  mask-image:radial-gradient(circle at 70% 20%,#000,transparent 60%)}
.hero__grid{position:relative;z-index:1;display:grid;gap:2.5rem;grid-template-columns:1fr}

.eyebrow{display:inline-flex;align-items:center;gap:.45rem;text-transform:uppercase;letter-spacing:.12em;font-family:var(--display);font-size:.76rem;font-weight:700;color:var(--green-2);margin:0 0 .5rem}
.eyebrow--green{color:var(--green-2)}
.eyebrow--gold{color:var(--gold-2)}
.eyebrow--ondark{color:#7FE0AE}
.lead{font-size:1.16rem;color:var(--muted);max-width:34em}
.lead strong{color:var(--graphite)}
.benefits-quick{list-style:none;padding:0;margin:1.7rem 0;display:grid;gap:.75rem}
.benefits-quick li{position:relative;padding-left:2.4rem;font-weight:500;min-height:1.6rem;display:flex;align-items:center}
.benefits-quick .ico{position:absolute;left:0;width:1.7rem;height:1.7rem;padding:.32rem;color:#fff;background:var(--green);border-radius:8px;stroke-width:2.2}
.hero__cta{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.5rem}
.hero__pills{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:1.5rem}
.pill{display:inline-flex;align-items:center;gap:.4rem;font-size:.82rem;font-weight:600;color:var(--navy);background:#fff;border:1px solid var(--line);padding:.4rem .8rem;border-radius:999px;box-shadow:var(--shadow)}
.pill .ico{color:var(--green-2)}

/* ---------- Card / form ---------- */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.9rem;box-shadow:var(--shadow-lg);position:relative}
.card__badge{display:inline-flex;align-items:center;gap:.4rem;font-size:.75rem;font-weight:700;color:var(--green-2);background:#E8F3EC;padding:.35rem .7rem;border-radius:999px;margin-bottom:.9rem}
.card__title{font-size:1.4rem;margin:0 0 .2em}
.card__sub{color:var(--muted);font-size:.95rem;margin:0 0 1.2rem}

.form{display:grid;gap:.95rem}
.form label{display:grid;gap:.35rem;font-size:.88rem;font-weight:600;color:var(--graphite)}
.form input,.form select{font:inherit;font-weight:400;padding:.82rem .9rem;border:1.5px solid var(--line);border-radius:11px;background:#fff;color:var(--graphite);transition:border-color .15s ease,box-shadow .15s ease;width:100%}
.form input:focus,.form select:focus{outline:none;border-color:var(--green-2);box-shadow:0 0 0 3px rgba(27,94,63,.14)}
.form input.invalid,.form select.invalid{border-color:#C0392B;box-shadow:0 0 0 3px rgba(192,57,43,.12)}
.form__micro{display:flex;align-items:center;gap:.4rem;font-size:.8rem;color:var(--muted);margin:.4rem 0 0;font-weight:400}
.form__micro .ico{color:var(--green-2)}
.form__row{display:grid;gap:.95rem;grid-template-columns:1fr}
.form__group{border:1px solid var(--line);border-radius:11px;padding:.9rem 1rem;margin:0}
.form__group legend{font-size:.82rem;font-weight:700;color:var(--navy);padding:0 .4rem}
.radio,.check{display:flex;align-items:flex-start;gap:.55rem;font-weight:400;font-size:.92rem}
.radio{display:inline-flex;margin-right:1.1rem}
.radio input,.check input{width:auto;margin-top:.2rem}
.file{font-size:.84rem;font-weight:600}
.file input{font-weight:400;padding:.6rem;background:var(--paper-2)}
.check span{font-weight:400;color:var(--muted)}
.check a{color:var(--navy-2);text-decoration:underline}

/* ---------- Pasek wiarygodności ---------- */
.credbar{background:var(--navy);color:#fff;padding:1.4rem 0}
.credbar__grid{display:grid;gap:1.2rem;grid-template-columns:1fr 1fr}
.credbar__item{display:flex;align-items:center;gap:.8rem}
.credbar__item .ico{width:2.3rem;height:2.3rem;padding:.45rem;color:var(--gold);background:rgba(201,162,39,.14);border-radius:11px;flex:0 0 auto}
.credbar__item strong{display:block;font-family:var(--display);font-weight:700;font-size:1.02rem}
.credbar__item span{font-size:.82rem;color:#AFC0D6}

/* ---------- Sections ---------- */
.section{padding:4rem 0}
.section--alt{background:var(--paper-2)}
.section--muted{background:#fff;border-top:1px solid var(--line);padding:2.6rem 0}
.section__head{max-width:760px;margin:0 auto 2.4rem;text-align:center}
.section__head .eyebrow{justify-content:center}
.section__sub{font-size:1.1rem;color:var(--muted);margin:.2rem 0 0;max-width:50em}
.h-sm{font-size:1.2rem;display:flex;align-items:center;gap:.5rem}
.h-sm .ico{color:var(--green-2)}

/* split (text + media) */
.split{display:grid;gap:2.5rem;grid-template-columns:1fr;align-items:center}
.split__media{display:flex;justify-content:center}
.illu{width:100%;max-width:480px;height:auto;display:block}
.illu--shield{max-width:240px;margin-top:1.6rem}

.list-dash{list-style:none;padding:0;margin:1.2rem 0}
.list-dash li{position:relative;padding-left:1.5rem;margin-bottom:.6rem}
.list-dash li::before{content:"";position:absolute;left:0;top:.7em;width:.7rem;height:2px;background:var(--gold)}
.list-arrow{list-style:none;padding:0;margin:1.4rem 0;display:grid;gap:.7rem}
.list-arrow li{position:relative;padding:1rem 1.1rem 1rem 3.1rem;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow)}
.list-arrow .ico{position:absolute;left:1rem;top:1.05rem;color:var(--green-2)}

.pullquote{font-family:var(--display);font-size:clamp(1.25rem,3vw,1.7rem);font-weight:600;color:var(--navy);border-left:4px solid var(--gold);margin:2rem 0 0;padding:.4rem 0 .4rem 1.4rem}
.center-quote{text-align:center;border-left:0;border-top:3px solid var(--gold);padding:1.4rem 0 0;margin:2.4rem auto 0;max-width:30em}

/* ---------- Check grid (co sprawdzamy) ---------- */
.check-grid{display:grid;gap:1rem;grid-template-columns:1fr;margin-bottom:.5rem}
.check-card{display:flex;align-items:center;gap:.95rem;padding:1.1rem 1.2rem;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);font-weight:600;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.check-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:#cfe0d6}
.check-card .ico{width:2.5rem;height:2.5rem;padding:.55rem;color:var(--green-2);background:#E8F3EC;border-radius:11px;flex:0 0 auto}

/* ---------- Cards grid ---------- */
.cards{display:grid;gap:1.2rem;grid-template-columns:1fr;margin-top:.5rem}
.cards__item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;box-shadow:var(--shadow);transition:transform .18s ease,box-shadow .18s ease}
.cards__item:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.cards__item h3{color:var(--navy)}
.cards__item p{margin:0;color:var(--muted)}
.ic-badge{display:inline-grid;place-items:center;width:3rem;height:3rem;border-radius:13px;background:var(--navy);color:var(--gold);margin-bottom:.9rem}
.ic-badge .ico{width:1.5rem;height:1.5rem;stroke-width:2}

/* ---------- Steps (oś procesu) ---------- */
.steps{list-style:none;padding:0;margin:0;display:grid;gap:1.3rem;grid-template-columns:1fr;position:relative}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem 1.4rem;box-shadow:var(--shadow);position:relative}
.steps__num{display:grid;place-items:center;width:2.5rem;height:2.5rem;border-radius:50%;background:var(--navy);color:var(--gold);font-family:var(--display);font-weight:800;font-size:1.2rem;margin-bottom:.7rem}
.steps__ico{width:1.9rem;height:1.9rem;color:var(--green-2);position:absolute;top:1.7rem;right:1.4rem;opacity:.5}
.premium-note{text-align:center;font-style:italic;color:var(--green-2);font-size:1.05rem;max-width:46em;margin:2rem auto 0}

/* ---------- Signals ---------- */
.signals{display:grid;gap:.9rem;grid-template-columns:1fr}
.signal{display:flex;align-items:center;gap:.85rem;padding:1rem 1.1rem;background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:12px;box-shadow:var(--shadow);font-weight:500}
.signal .ico{color:var(--gold-2);width:1.7rem;height:1.7rem;flex:0 0 auto}

/* ---------- Dark form section ---------- */
.section--dark{background:radial-gradient(120% 120% at 80% 0%,var(--navy-2) 0%,var(--navy) 60%)}
.on-dark{color:#fff}
.section--dark .section__sub.on-dark{color:#C7D3E3}
.form-split{display:grid;gap:2.5rem;grid-template-columns:1fr;align-items:start}
.form-split__aside .eyebrow--ondark{justify-content:flex-start}
.assure{list-style:none;padding:0;margin:1.4rem 0 0;display:grid;gap:.8rem}
.assure li{display:flex;align-items:center;gap:.7rem;color:#D6E0EE;font-weight:500}
.assure .ico{width:1.9rem;height:1.9rem;padding:.4rem;color:var(--gold);background:rgba(201,162,39,.14);border-radius:9px;flex:0 0 auto}
.section--dark .form__micro.on-dark{color:#C7D3E3}
.section--dark .form__micro .ico{color:var(--gold)}

/* ---------- FAQ ---------- */
.faq{margin-top:1.6rem;display:grid;gap:.7rem}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;transition:box-shadow .18s ease}
.faq details[open]{box-shadow:var(--shadow-md)}
.faq summary{cursor:pointer;list-style:none;padding:1.15rem 3rem 1.15rem 1.3rem;font-family:var(--display);font-weight:700;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:1.2rem;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--gold-2);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq__a{padding:0 1.3rem 1.2rem;color:var(--muted)}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(120deg,var(--green) 0%,var(--green-2) 100%);color:#fff;padding:3.4rem 0}
.cta-band__inner{text-align:center;max-width:640px}
.cta-band h2{color:#fff;margin-bottom:.4em}
.cta-band p{color:#D6EADE;font-size:1.1rem;margin-bottom:1.6rem}

/* ---------- Disclaimer ---------- */
.disclaimer{font-size:.9rem;color:var(--muted);background:var(--paper-2);border:1px solid var(--line);border-radius:12px;padding:1.3rem 1.5rem;margin-top:1rem}

/* ---------- Partner projektu ---------- */
.partner-section{padding:2.6rem 0 3.4rem}
.partner{position:relative;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);padding:1.9rem 2rem;display:flex;flex-direction:column;align-items:center;gap:1.1rem;text-align:center}
.partner::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:linear-gradient(180deg,var(--gold),var(--gold-2))}
.partner .eyebrow{justify-content:center;margin:0}
.partner__body{display:flex;align-items:center;gap:1.1rem}
.partner__avatar{flex:0 0 auto;display:grid;place-items:center;width:78px;height:78px;border-radius:50%;background:var(--paper-2);border:2px solid var(--gold);box-shadow:0 0 0 5px rgba(201,162,39,.12);overflow:hidden}
.partner__avatar img{width:100%;height:100%;object-fit:cover;border-radius:50%;display:block}
.partner__avatar .ico{width:2.3rem;height:2.3rem;color:#9DB0C6;stroke-width:1.7}
.partner__meta{text-align:left}
.partner__name{display:block;font-family:var(--display);font-weight:700;font-size:1.18rem;color:var(--navy);letter-spacing:-.01em}
.partner__role{display:block;font-size:.92rem;color:var(--muted);margin-top:.1rem}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#C7D3E3;padding:2.4rem 0}
.site-footer__inner{display:flex;flex-direction:column;gap:1rem;align-items:flex-start}
.logo--footer{color:#fff}
.footer-nav{display:flex;gap:1.4rem;flex-wrap:wrap}
.footer-nav a{color:#C7D3E3;font-size:.92rem}
.footer-nav a:hover{color:#fff}
.copy{font-size:.82rem;color:#8FA1B8}

/* ---------- Sticky CTA mobile ---------- */
.sticky-cta{position:fixed;left:16px;right:16px;bottom:16px;z-index:60;display:flex;align-items:center;justify-content:center;gap:.4rem;background:var(--gold);color:var(--navy);font-family:var(--display);font-weight:700;text-align:center;padding:1rem;border-radius:999px;box-shadow:var(--shadow-lg)}
.sticky-cta:hover{text-decoration:none;background:var(--gold-2)}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media(min-width:680px){
  .form__row{grid-template-columns:1fr 1fr}
  .check-grid{grid-template-columns:1fr 1fr}
  .signals{grid-template-columns:1fr 1fr}
  .cards{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .credbar__grid{grid-template-columns:repeat(4,1fr)}
}
@media(min-width:960px){
  .nav{display:flex}
  .hero{padding:4.5rem 0 5rem}
  .hero__grid{grid-template-columns:1.08fr .92fr;align-items:center}
  .split{grid-template-columns:1.05fr .95fr}
  .check-grid{grid-template-columns:repeat(3,1fr)}
  .cards{grid-template-columns:repeat(4,1fr)}
  .cards--3{grid-template-columns:repeat(3,1fr)}
  .signals{grid-template-columns:repeat(3,1fr)}
  /* oś procesu z linią łączącą */
  .steps{grid-template-columns:repeat(4,1fr)}
  .steps::before{content:"";position:absolute;top:2.95rem;left:11%;right:11%;height:2px;background:repeating-linear-gradient(90deg,var(--line) 0 10px,transparent 10px 18px);z-index:0}
  .steps li{z-index:1}
  .form-split{grid-template-columns:.92fr 1.08fr}
  .form-split__aside{position:sticky;top:90px}
  .site-footer__inner{flex-direction:row;align-items:center;justify-content:space-between}
  .sticky-cta{display:none}
}
@media(prefers-reduced-motion:reduce){
  *{scroll-behavior:auto !important;transition:none !important;animation:none !important}
  .reveal{opacity:1;transform:none}
}