/* ===================================================================
   GLOBAL FINANCE — identyfikacja: granat + zieleń
   =================================================================== */
:root{
  --navy:#1A0A3B;        /* głęboki indygo (ciemne powierzchnie) */
  --navy-900:#12062B;    /* najciemniejszy */
  --green:#7C3AED;       /* akcent / akcja (fiolet) */
  --green-600:#6D28D9;   /* fiolet ciemniejszy */
  --teal:#A78BFA;        /* fiolet jasny */
  --grad:linear-gradient(135deg,#7C3AED 0%,#A78BFA 100%);
  --ink:#1A0A3B;         /* tekst nagłówków */
  --body:#4B4A63;        /* tekst zwykły */
  --muted:#8B84A3;       /* przygaszony */
  --line:#EAE6F2;        /* linie/obwódki */
  --bg:#F7F5FC;          /* tło sekcji tint */
  --white:#FFFFFF;
  --radius:20px;
  --radius-sm:12px;
  --shadow:0 10px 30px rgba(10,37,64,.06);
  --shadow-lg:0 24px 60px rgba(10,37,64,.12);
  --maxw:1160px;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:'Inter',system-ui,sans-serif;color:var(--body);
  background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif;color:var(--ink);line-height:1.2;margin:0}
p{margin:0}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}
.container--narrow{max-width:820px}
.grad-text{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:'Montserrat',sans-serif;font-weight:700;font-size:15px;
  padding:12px 22px;border-radius:999px;border:2px solid transparent;
  cursor:pointer;transition:transform .15s ease,box-shadow .2s ease,background .2s ease;
  white-space:nowrap;line-height:1;
}
.btn:hover{transform:translateY(-2px)}
.btn--primary{background:var(--grad);color:#fff;box-shadow:0 8px 20px rgba(124,58,237,.28)}
.btn--primary:hover{box-shadow:0 12px 26px rgba(124,58,237,.36)}
.btn--ghost{background:#fff;color:var(--navy);border-color:var(--line);box-shadow:var(--shadow)}
.btn--ghost:hover{border-color:var(--green);color:var(--green-600)}
.btn--outline{background:transparent;color:var(--navy);border-color:var(--line)}
.btn--outline:hover{border-color:var(--green);color:var(--green-600)}
.btn--lg{padding:15px 28px;font-size:16px}
.btn--block{width:100%}

/* ---------- Topbar ---------- */
.topbar{background:#fff;color:var(--body);font-size:13px;border-bottom:1px solid var(--line)}
.topbar__inner{display:flex;gap:24px;align-items:center;justify-content:center;padding:8px 24px;flex-wrap:wrap}
.topbar__item{white-space:nowrap}
.topbar__item::first-letter{color:var(--green)}
.topbar__phone{margin-left:auto}
.topbar__phone a{color:var(--navy);font-weight:600}
@media(max-width:640px){.topbar__phone{margin-left:0}.topbar__item:nth-child(2){display:none}}

/* ---------- Nav ---------- */
.nav{position:sticky;top:0;z-index:100;background:rgba(26,10,59,.92);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav__inner{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px}
.brand__mark{display:block;height:40px;width:auto;object-fit:contain}
.brand__text{display:flex;flex-direction:column;line-height:1.15}
.brand__name{font-family:'Montserrat',sans-serif;font-weight:600;font-size:17px;color:#fff;letter-spacing:1.5px;text-transform:uppercase}
.brand__tag{font-size:10.5px;color:rgba(255,255,255,.55);letter-spacing:1px;text-transform:uppercase}
.brand--footer .brand__mark{height:34px}
.nav__links{display:flex;align-items:center;gap:28px}
.nav__links a{font-weight:600;font-size:15px;color:#E9E4F7;transition:color .2s}
.nav__links a:not(.btn):hover{color:var(--teal)}
.nav__cta{margin-left:6px}
.nav__burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px}
.nav__burger span{width:24px;height:2px;background:#fff;border-radius:2px;transition:.3s}
.nav__burger.is-open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav__burger.is-open span:nth-child(2){opacity:0}
.nav__burger.is-open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{
  background:
    radial-gradient(1100px 520px at 88% -10%,rgba(124,58,237,.12),transparent 60%),
    linear-gradient(180deg,#FFFFFF 0%,#F7F5FC 100%);
  color:var(--body);padding:64px 0 84px;position:relative;overflow:hidden;
}
.hero__grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.pill{display:inline-block;background:rgba(124,58,237,.1);color:var(--green-600);border:1px solid rgba(124,58,237,.25);
  padding:7px 15px;border-radius:999px;font-size:13px;font-weight:600;margin-bottom:20px}
.hero__title{font-size:clamp(34px,4.4vw,54px);font-weight:800;color:var(--ink);letter-spacing:-1px}
.hero__lead{margin:20px 0 30px;font-size:18px;color:var(--body);max-width:520px}
.hero__actions{display:flex;gap:14px;flex-wrap:wrap}
.hero__trust{list-style:none;margin:38px 0 0;padding:0;display:flex;gap:34px}
.hero__trust li{display:flex;flex-direction:column}
.hero__trust strong{font-family:'Montserrat',sans-serif;font-size:26px;color:var(--ink)}
.hero__trust span{font-size:13px;color:var(--muted)}

/* Hero card (mini kalkulator) */
.hcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-lg);color:var(--body)}
.hcard__head{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.hcard__head>span:first-child{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--ink)}
.hcard__badge{background:rgba(124,58,237,.12);color:var(--green-600);font-size:12px;font-weight:700;padding:5px 11px;border-radius:999px}
.hcard__label{font-size:13px;color:var(--muted);font-weight:600}
.hcard__amount{font-family:'Montserrat',sans-serif;font-size:34px;font-weight:800;color:var(--navy);margin:2px 0 10px}
.hcard__row{display:flex;justify-content:space-between;align-items:flex-end;margin:16px 0 6px}
.hcard__k{display:block;font-size:12px;color:var(--muted)}
.hcard__v{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--ink);font-size:16px}
.hcard__result{text-align:right}
.hcard__rata{font-family:'Montserrat',sans-serif;font-weight:800;font-size:26px;color:var(--green-600)}
.hcard .btn{margin-top:18px}
.hcard__note{font-size:11px;color:var(--muted);margin-top:12px;text-align:center}

/* Range input */
.range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;
  background:var(--line);outline:none;margin:6px 0}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;
  background:var(--grad);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 6px rgba(10,37,64,.25)}
.range::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#7C3AED;cursor:pointer;border:3px solid #fff}

/* ---------- Partners ---------- */
.partners{padding:34px 0;border-bottom:1px solid var(--line);background:#fff}
.partners__label{text-align:center;font-size:13px;color:var(--muted);margin-bottom:18px;text-transform:uppercase;letter-spacing:.5px}
.partners__row{display:flex;justify-content:center;align-items:center;gap:40px;flex-wrap:wrap}
.partners__row .bank{display:flex;align-items:center;justify-content:center;height:42px;width:118px}
.partners__row .bank img{max-height:38px;max-width:118px;width:auto;height:auto;object-fit:contain;
  filter:grayscale(100%);opacity:.72;transition:filter .25s,opacity .25s;mix-blend-mode:multiply}
.partners__row .bank img:hover{filter:grayscale(0);opacity:1}

/* ---------- Sections ---------- */
.section{padding:84px 0}
.section--tint{background:var(--bg)}
.section__head{text-align:center;max-width:680px;margin:0 auto 52px}
.eyebrow{display:inline-block;font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;
  text-transform:uppercase;letter-spacing:1px;color:var(--green-600);margin-bottom:12px}
.section__head h2{font-size:clamp(27px,3.2vw,38px);font-weight:800;letter-spacing:-.5px}
.section__sub{margin-top:14px;font-size:17px;color:var(--body)}

/* ---------- Oferta ---------- */
.offer{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.offer__card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:36px;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s}
.offer__card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.offer__card--dark{background:var(--navy);border-color:var(--navy);color:#C7D5E4}
.offer__card--dark h3{color:#fff}
.offer__icon{width:56px;height:56px;border-radius:16px;background:var(--grad);color:#fff;display:flex;align-items:center;justify-content:center;margin-bottom:20px}
.offer__card--dark .offer__icon{background:rgba(124,58,237,.18);color:#C4B5FD}
.offer__card h3{font-size:23px;margin-bottom:10px}
.offer__card>p{margin-bottom:18px}
.ticks{list-style:none;padding:0;margin:0 0 26px}
.ticks li{position:relative;padding-left:28px;margin-bottom:11px;font-size:15px}
.ticks li::before{content:"✓";position:absolute;left:0;top:0;color:var(--green);font-weight:800}
.offer__card--dark .ticks li::before{color:#C4B5FD}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;position:relative}
.step__num{display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:12px;
  background:var(--grad);color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;font-size:19px;margin-bottom:16px}
.step h3{font-size:19px;margin-bottom:8px}
.step p{font-size:14.5px}

/* ---------- Features ---------- */
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.feature{padding:30px;border-radius:var(--radius);background:#fff;border:1px solid var(--line);transition:transform .2s,box-shadow .2s}
.feature:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.feature__ic{font-size:30px;margin-bottom:14px}
.feature h3{font-size:20px;margin-bottom:8px}
.feature p{font-size:15px}

/* ---------- Kalkulator ---------- */
.calc{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);padding:36px;box-shadow:var(--shadow);align-items:center}
.calc__controls{display:flex;flex-direction:column;gap:26px}
.calc__field{}
.calc__labels{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}
.calc__labels span{font-weight:600;color:var(--navy)}
.calc__labels output{font-family:'Montserrat',sans-serif;font-weight:800;color:var(--green-600);font-size:18px}
.calc__nbp{margin-top:9px;font-size:12px;line-height:1.5;color:var(--muted)}
.calc__nbp strong{color:var(--navy);font-weight:700}
.calc__result{background:var(--navy);border-radius:var(--radius);padding:30px;text-align:center;color:#C7D5E4}
.calc__result-k{font-size:14px;color:#93A5BC}
.calc__result-v{display:block;font-family:'Montserrat',sans-serif;font-weight:800;font-size:44px;color:#fff;margin:6px 0 20px;letter-spacing:-1px}
.calc__breakdown{display:flex;flex-direction:column;gap:10px;margin-bottom:22px;text-align:left}
.calc__breakdown div{display:flex;justify-content:space-between;font-size:14px;padding-bottom:10px;border-bottom:1px solid rgba(255,255,255,.1)}
.calc__breakdown strong{color:#fff;font-family:'Montserrat',sans-serif}
.calc__note{font-size:11px;color:#93A5BC;margin-top:12px}

/* ---------- Reviews ---------- */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.review{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.review__stars{color:#F5A623;letter-spacing:2px;margin-bottom:12px}
.review blockquote{margin:0 0 20px;font-size:15.5px;color:var(--ink);line-height:1.6}
.review figcaption{display:flex;align-items:center;gap:10px;font-weight:600;color:var(--navy);font-size:14px}
.review__ava{width:38px;height:38px;border-radius:50%;background:var(--grad);color:#fff;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700}
.review em{color:var(--muted);font-weight:500;font-style:normal;font-size:13px}

/* ---------- FAQ ---------- */
.faq{display:flex;flex-direction:column;gap:12px}
.faq__item{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);overflow:hidden}
.faq__item summary{list-style:none;cursor:pointer;padding:20px 24px;font-family:'Montserrat',sans-serif;
  font-weight:700;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{content:"+";font-size:22px;color:var(--green);font-weight:400;transition:transform .2s}
.faq__item[open] summary::after{transform:rotate(45deg)}
.faq__body{padding:0 24px 22px}
.faq__body p{font-size:15px}

/* ---------- Kontakt ---------- */
.contact{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.contact__info h2{font-size:clamp(26px,3vw,34px);margin:12px 0 16px}
.contact__info>p{margin-bottom:26px;font-size:16px}
.contact__list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:14px}
.contact__list li{display:flex;align-items:center;gap:12px;font-weight:600;color:var(--navy)}
.contact__ic{width:40px;height:40px;border-radius:11px;background:rgba(124,58,237,.12);color:var(--green-600);
  display:flex;align-items:center;justify-content:center;font-size:16px}
.contact__form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow)}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:14px;color:var(--navy);margin-bottom:6px}
.field .opt{color:var(--muted);font-weight:400}
.contact__form input:not([type=checkbox]),.contact__form select{
  width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--radius-sm);
  font-family:inherit;font-size:15px;color:var(--ink);background:#fff;transition:border-color .2s}
.contact__form input:focus,.contact__form select:focus{outline:none;border-color:var(--green)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--body);margin:6px 0 18px}
.consent input{margin-top:3px;flex-shrink:0;width:16px;height:16px;accent-color:var(--green)}
.consent a{color:var(--green-600);font-weight:600}
.form__msg{margin-top:14px;font-size:14px;font-weight:600;text-align:center}
.form__msg.ok{color:var(--green-600)}
.form__msg.err{color:#D6455D}

/* Walidacja telefonu: podpowiedź + pole błędne + nieaktywny przycisk */
.field-err{margin:6px 0 0;font-size:12.5px;line-height:1.4;color:#D6455D;font-weight:600}
.field-err[hidden]{display:none}
input.is-invalid{border-color:#D6455D!important}
.btn:disabled{opacity:.5;cursor:not-allowed;box-shadow:none}
.btn:disabled:hover{transform:none;box-shadow:none}

/* ---------- Modal (formularz w popupie) ---------- */
.modal{position:fixed;inset:0;z-index:1000;display:flex;align-items:center;justify-content:center;padding:20px}
.modal[hidden]{display:none}
.modal__overlay{position:absolute;inset:0;background:rgba(18,6,43,.62);backdrop-filter:blur(3px)}
.modal__dialog{position:relative;background:#fff;border-radius:var(--radius);width:100%;max-width:460px;
  max-height:94vh;overflow-y:auto;padding:24px 26px;box-shadow:var(--shadow-lg);animation:modalIn .25s ease}
@keyframes modalIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.modal__close{position:absolute;top:10px;right:12px;width:34px;height:34px;background:none;border:none;
  font-size:25px;line-height:1;color:var(--muted);cursor:pointer;border-radius:10px;transition:.2s}
.modal__close:hover{color:var(--navy);background:var(--bg)}
.modal__head{margin-bottom:12px;padding-right:22px}
.modal__head .eyebrow{margin-bottom:4px}
.modal__head h3{font-size:22px;letter-spacing:-.3px;margin-bottom:5px}
.modal__sub{font-size:13.5px;line-height:1.5;color:var(--body)}
.modal__context{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius-sm);
  padding:10px 12px;margin-bottom:14px;font-size:13px;color:var(--navy);display:flex;align-items:center;gap:8px}
.modal__context[hidden]{display:none}
.modal__context strong{color:var(--green-600);font-family:'Montserrat',sans-serif}
.modal__form .field{margin-bottom:10px}
.modal__form .field label{margin-bottom:4px}
.modal__form input:not([type=checkbox]),.modal__form select{width:100%;padding:10px 13px;
  border:1.5px solid var(--line);border-radius:var(--radius-sm);font-family:inherit;font-size:15px;
  color:var(--ink);background:#fff;transition:border-color .2s}
.modal__form input:focus,.modal__form select:focus{outline:none;border-color:var(--green)}
.modal__form .consent{margin:2px 0 14px}
.modal__form .btn{padding:13px 22px}
body.modal-open{overflow:hidden}

/* ---------- Footer ---------- */
.footer{background:var(--navy-900);color:#94A6BD;padding:56px 0 0}
.footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:36px;padding-bottom:44px}
.brand--footer .brand__name{color:#fff}
.footer__brand p{margin-top:16px;font-size:14px;max-width:320px}
.footer__col h4{color:#fff;font-size:15px;margin-bottom:16px}
.footer__col a,.footer__muted{display:block;font-size:14px;color:#94A6BD;margin-bottom:10px;transition:color .2s}
.footer__col a:hover{color:var(--green)}
.footer__bottom{border-top:1px solid rgba(255,255,255,.08)}
.footer__bottom-inner{display:flex;justify-content:space-between;align-items:center;padding:20px 24px;font-size:13px;flex-wrap:wrap;gap:12px}
.footer__legal{display:flex;gap:20px}
.footer__legal a:hover{color:var(--green)}
.footer__disclaimer{font-size:11.5px;color:#5E7086;padding-top:18px;padding-bottom:28px;line-height:1.6}

/* ===================================================================
   RESPONSYWNOŚĆ
   =================================================================== */
@media(max-width:960px){
  .hero__grid{grid-template-columns:1fr;gap:40px}
  .hero__card{max-width:440px}
  .offer,.contact,.calc{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .features{grid-template-columns:1fr 1fr}
  .reviews{grid-template-columns:1fr}
  .footer__grid{grid-template-columns:1fr 1fr;gap:28px}
}
@media(max-width:720px){
  .nav__links{
    position:fixed;top:72px;left:0;right:0;background:var(--navy);flex-direction:column;
    align-items:stretch;gap:0;padding:8px 20px 20px;border-bottom:1px solid rgba(255,255,255,.1);
    box-shadow:var(--shadow-lg);transform:translateY(-140%);transition:transform .3s ease;
  }
  .nav__links.is-open{transform:translateY(0)}
  .nav__links a{padding:14px 4px;border-bottom:1px solid rgba(255,255,255,.1)}
  .nav__cta{margin:12px 0 0;justify-content:center}
  .nav__burger{display:flex}
  .section{padding:60px 0}
  .hero{padding:44px 0 60px}
  .hero__trust{gap:22px}
  .features{grid-template-columns:1fr}
  .reviews{grid-template-columns:1fr}
}
@media(max-width:520px){
  .steps{grid-template-columns:1fr}
  .footer__grid{grid-template-columns:1fr}
  .hero__actions .btn{width:100%}
  .hero__trust{flex-wrap:wrap}
}