/* Source Sans 3 (SIL OFL 1.1), krój zmienny 400–700, hostowany lokalnie: przy wejściu na stronę nie ma połączeń z Google (RODO). */
@font-face{font-family:'Source Sans 3';font-style:normal;font-weight:400 700;font-display:swap;src:url(/assets/fonts/source-sans-3-latin-ext.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Source Sans 3';font-style:normal;font-weight:400 700;font-display:swap;src:url(/assets/fonts/source-sans-3-latin.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
/* Układ: granatowy pas hero z formularzem po prawej, dalej jasne sekcje w kolumnie 1160px; ranking jako główny moduł strony */
:root{
  --ink:#0A1E46;        /* granat marki: nagłówki, przyciski, stopka */
  --ink-2:#1B3470;
  --bg:#FFFFFF;
  --tint:#F3F6FB;       /* jasne sekcje, jak w bankach */
  --tint-2:#E4EAF4;
  --surface:#FFFFFF;
  --line:#DCE2EC;
  --fg:#0F1E3D;
  --muted:#56627A;
  --accent:#FFC93C;     /* złoto: akcenty, ✓, przycisk na granacie */
  --accent-fg:#0A1E46;
  --gold-ink:#8A5F00;   /* złoto czytelne na białym (eyebrow, cyfry) */
  --cobalt:#1F4FD8;     /* linki */
  --promo:#1F4FD8;
  --promo-bg:#EEF2FF;
  --good:#1d7a52;
  --hero-fg:#ffffff;
  --hero-muted:#b9c4dd;
  --shadow:0 1px 2px rgba(10,30,70,.06),0 6px 24px rgba(10,30,70,.08);
  --f-display:"Source Sans 3", "Segoe UI", Arial, sans-serif;
  --f-body:"Source Sans 3", "Segoe UI", Arial, sans-serif;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --ink:#0A1E46;--ink-2:#1B3470;--bg:#0B1220;--tint:#101a2e;--tint-2:#1a2640;--surface:#121b2e;--line:#24314d;--fg:#E8ECF5;--muted:#9AA6C0;
  --accent:#FFC93C;--accent-fg:#0A1E46;--gold-ink:#FFC93C;--cobalt:#8FA8FF;--promo:#6E8CFF;--promo-bg:#141f3d;--good:#3fbf86;--hero-fg:#ffffff;--hero-muted:#a9b6d3;--shadow:0 6px 24px rgba(0,0,0,.35);color-scheme:dark}}
:root[data-theme="dark"]{
  --ink:#0A1E46;--ink-2:#1B3470;--bg:#0B1220;--tint:#101a2e;--tint-2:#1a2640;--surface:#121b2e;--line:#24314d;--fg:#E8ECF5;--muted:#9AA6C0;
  --accent:#FFC93C;--accent-fg:#0A1E46;--gold-ink:#FFC93C;--cobalt:#8FA8FF;--promo:#6E8CFF;--promo-bg:#141f3d;--good:#3fbf86;--hero-fg:#ffffff;--hero-muted:#a9b6d3;--shadow:0 6px 24px rgba(0,0,0,.35);color-scheme:dark}

*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--fg);font:16px/1.55 var(--f-body)}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:10;background:var(--ink)}
.wrap{max-width:1160px;margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
h1,h2,h3{font-family:var(--f-display);text-wrap:balance;margin:0;line-height:1.2;font-weight:700}
h2{font-size:clamp(1.45rem,2.4vw,1.85rem);font-weight:700;color:var(--fg)}
p{margin:0}
a{color:inherit}
:focus-visible{outline:3px solid var(--promo);outline-offset:2px}
.eyebrow{font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:8px;padding:13px 20px;font:700 1rem var(--f-body);cursor:pointer;text-decoration:none}
.btn-cta{background:var(--accent);color:var(--accent-fg)}
.btn-cta:hover{filter:brightness(1.07)}
.btn-ghost{background:transparent;color:var(--fg);border:1.5px solid var(--line)}

/* nagłówek */
header.top{background:var(--ink);color:var(--hero-fg);position:sticky;top:env(safe-area-inset-top,0px);z-index:9}
header.top .wrap{display:flex;align-items:center;gap:24px;padding-block:14px;flex-wrap:wrap}
.logo{font:700 1.35rem var(--f-display);text-decoration:none;display:flex;align-items:center;gap:8px}
.logo{font-weight:500;font-size:1.45rem;gap:10px}
.logo b{color:var(--accent);font-weight:700}
.logo svg{width:34px;height:34px;flex:none}
nav.main{display:flex;gap:20px;font-weight:600;font-size:.95rem;flex:1;flex-wrap:wrap;min-width:0}
nav.main a{text-decoration:none;color:var(--hero-muted);white-space:nowrap}
nav.main a:hover{color:var(--hero-fg)}
nav.main a.adv{color:var(--accent)}
.top-cta{display:flex;align-items:center;gap:14px}
.phone{font-weight:700;font-size:.95rem;white-space:nowrap;text-decoration:none}
@media (max-width:860px){nav.main{order:3;flex-basis:100%;gap:14px;font-size:.88rem;overflow-x:auto;flex-wrap:nowrap}.phone{display:none}}

/* hero */
.hero{background:var(--ink);color:var(--hero-fg);padding-block:48px 64px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:start}
.hero h1{font-size:clamp(1.9rem,3.6vw,2.6rem);line-height:1.2;font-weight:700;}
.hero h1 em{font-style:normal;color:inherit}
.hero .lead{color:var(--hero-muted);font-size:1.12rem;margin-top:18px;max-width:56ch}
.trust-row{display:flex;gap:28px;margin-top:30px;flex-wrap:wrap}
.trust-row div{display:flex;flex-direction:column}
.trust-row strong{font:700 1.7rem var(--f-display);font-variant-numeric:tabular-nums}
.trust-row span{color:var(--hero-muted);font-size:.85rem}
.stars{color:#F5B100;letter-spacing:2px}
.hero-note{margin-top:26px;font-size:.88rem;color:var(--hero-muted);display:flex;gap:10px;align-items:center}
.hero-note .dot{width:8px;height:8px;border-radius:50%;background:var(--good);flex:none}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr;gap:32px}.hero{padding-block:32px 44px}}

/* formularz */
.lead-card{background:var(--surface);color:var(--fg);border-radius:8px;padding:24px;box-shadow:0 2px 12px rgba(3,12,32,.18)}
.lead-card h3{font-size:1.25rem}
.steps{display:flex;gap:6px;margin:12px 0 18px}
.steps i{flex:1;height:5px;border-radius:3px;background:var(--line)}
.steps i.on{background:var(--accent)}
.step-label{font-size:.82rem;color:var(--muted);font-weight:600}
.choices{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.choice{border:1.5px solid var(--line);background:var(--surface);color:var(--fg);border-radius:8px;padding:14px 12px;text-align:left;font:600 .95rem var(--f-body);cursor:pointer;display:flex;flex-direction:column;gap:4px}
.choice small{font-weight:500;color:var(--muted);font-size:.8rem}
.choice[aria-pressed="true"]{border-color:var(--fg);box-shadow:inset 0 0 0 1px var(--fg)}
.choice:hover{border-color:var(--fg)}
.field{display:flex;flex-direction:column;gap:6px;margin-top:14px}
.field label{font-size:.85rem;font-weight:600}
.field input,.field select{font:500 1rem var(--f-body);padding:12px;border-radius:8px;border:1.5px solid var(--line);background:var(--bg);color:var(--fg);width:100%}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.form-actions{display:flex;gap:10px;margin-top:18px}
.form-actions .btn{flex:1}
.fine{font-size:.76rem;color:var(--muted);margin-top:12px}
.done{text-align:center;padding:18px 0}
.done strong{font:700 1.4rem var(--f-display);display:block;margin-bottom:8px}

section{padding-block:64px}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:28px;flex-wrap:wrap}
.sec-head p{color:var(--muted);max-width:60ch;margin-top:8px}

/* ranking */
.city-tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}
.city-tabs button{border:1.5px solid var(--line);background:var(--surface);color:var(--fg);border-radius:6px;padding:8px 16px;font:600 .92rem var(--f-body);cursor:pointer}
.city-tabs button[aria-selected="true"]{background:var(--ink);border-color:var(--ink);color:#fff}
.city-search{border:1.5px dashed var(--line);border-radius:6px;padding:8px 16px;font:500 .92rem var(--f-body);background:transparent;color:var(--fg);min-width:0;width:190px}
.promo-label{display:flex;align-items:center;gap:10px;margin-bottom:12px;font-size:.85rem;color:var(--muted)}
.promo-label b{background:var(--promo);color:#fff;padding:2px 9px;border-radius:5px;font-size:.75rem;letter-spacing:.05em;text-transform:uppercase}
.promo-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px}
.adv-card{background:var(--surface);border:1.5px solid var(--line);border-radius:8px;padding:20px;display:flex;flex-direction:column;gap:12px;min-width:0}
.adv-card.promo{background:var(--promo-bg);border-color:var(--promo)}
.adv-top{display:flex;gap:12px;align-items:center}
.avatar{width:52px;height:52px;border-radius:50%;flex:none;display:grid;place-items:center;font:700 1.1rem var(--f-display);color:#fff;background:var(--ink-2)}
.adv-name{font-weight:700;font-size:1.05rem}
.adv-firm{color:var(--muted);font-size:.85rem}
.rating{display:flex;gap:8px;align-items:baseline;font-size:.9rem}
.rating strong{font-variant-numeric:tabular-nums}
.tags{display:flex;gap:6px;flex-wrap:wrap}
.tags span{font-size:.76rem;font-weight:600;padding:3px 8px;border-radius:6px;background:var(--bg);border:1px solid var(--line)}
.knf{font-size:.8rem;color:var(--good);font-weight:600}
.adv-card .btn{margin-top:auto;padding:11px 14px;font-size:.92rem}
.score{margin-left:auto;text-align:right}
.score strong{font:700 1.5rem var(--f-display);display:block;font-variant-numeric:tabular-nums}
.score span{font-size:.72rem;color:var(--muted)}
.top-list{margin-top:26px;background:var(--surface);border:1.5px solid var(--line);border-radius:8px;overflow:hidden}
.top-list h3{font-size:1.05rem;padding:16px 20px;border-bottom:1px solid var(--line)}
.row{display:grid;grid-template-columns:40px minmax(0,1.6fr) minmax(0,1fr) 90px 150px;gap:14px;align-items:center;padding:14px 20px;border-bottom:1px solid var(--line)}
.row:last-child{border-bottom:0}
.pos{font:700 1.2rem var(--f-display);color:var(--muted);font-variant-numeric:tabular-nums}
.row .sc{font:700 1.15rem var(--f-display);font-variant-numeric:tabular-nums}
.row .btn{padding:9px 12px;font-size:.88rem}
.method{display:flex;gap:16px;align-items:center;justify-content:space-between;margin-top:16px;font-size:.88rem;color:var(--muted);flex-wrap:wrap}
.method a{font-weight:700;color:var(--fg)}
@media (max-width:900px){.promo-grid{grid-template-columns:1fr}.row{grid-template-columns:32px minmax(0,1fr) 64px}.row .spec,.row .btn{display:none}}

/* kalkulator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:28px;background:var(--surface);border:1.5px solid var(--line);border-radius:8px;padding:28px}
.range{margin-bottom:18px}
.range-head{display:flex;justify-content:space-between;font-weight:600;font-size:.92rem;margin-bottom:6px}
.range-head output{font-variant-numeric:tabular-nums}
input[type=range]{width:100%;accent-color:var(--accent)}
.calc-result{background:var(--ink);color:#fff;border-radius:8px;padding:26px;display:flex;flex-direction:column;gap:14px}
.calc-result .big{font:700 clamp(2.2rem,5vw,3rem) var(--f-display);font-variant-numeric:tabular-nums}
.calc-result dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:0;font-size:.92rem;color:var(--hero-muted)}
.calc-result dd{margin:0;color:#fff;font-weight:700;text-align:right;font-variant-numeric:tabular-nums}
@media (max-width:860px){.calc{grid-template-columns:1fr;padding:20px}}

/* kroki */
.how{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.how li{list-style:none;background:var(--surface);border:1.5px solid var(--line);border-radius:8px;padding:22px;counter-increment:s}
.how li::before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;font:700 1rem var(--f-display);margin-bottom:12px}
.how h3{font-size:1.1rem;margin-bottom:6px}
.how p{color:var(--muted);font-size:.94rem}
.how .you{display:block;margin-top:10px;font-size:.82rem;font-weight:700;color:var(--cobalt)}
ol.how{padding:0;margin:0}
@media (max-width:860px){.how{grid-template-columns:1fr}}

.tbl-wrap{overflow-x:auto;border:1.5px solid var(--line);border-radius:8px;background:var(--surface)}
table{border-collapse:collapse;width:100%;min-width:620px;font-size:.94rem}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line)}
thead th{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
td.num{font-variant-numeric:tabular-nums;font-weight:700}
tr:last-child td{border-bottom:0}
.yes{color:var(--good);font-weight:700}
.tbl-note{font-size:.82rem;color:var(--muted);margin-top:10px}

/* sytuacje i miasta */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.tiles a{background:var(--surface);border:1.5px solid var(--line);border-radius:8px;padding:16px;text-decoration:none;font-weight:600;display:flex;flex-direction:column;gap:4px}
.tiles a small{color:var(--muted);font-weight:500;font-size:.82rem}
.tiles a:hover{border-color:var(--ink-2)}
@media (max-width:860px){.tiles{grid-template-columns:1fr 1fr}}
.voiv{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;align-items:start}
.voiv details{margin:0;padding:12px 14px}
.voiv summary{display:flex;justify-content:space-between;gap:8px}
.voiv summary span{color:var(--muted);font-weight:500;font-size:.8rem;font-variant-numeric:tabular-nums}
.voiv ul{list-style:none;margin:10px 0 0;padding:0;font-size:.9rem;display:flex;flex-direction:column;gap:4px}
.voiv ul a{text-decoration:none}
.voiv ul a:hover{text-decoration:underline}
.voiv .all{font-weight:700;margin-top:4px}
@media (max-width:900px){.voiv{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:520px){.voiv{grid-template-columns:1fr}}

/* opinie */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.quotes figure{margin:0;background:var(--surface);border:1.5px solid var(--line);border-radius:8px;padding:20px;display:flex;flex-direction:column;gap:12px}
.quotes blockquote{margin:0;font-size:.98rem}
.quotes figcaption{font-size:.84rem;color:var(--muted)}
.verified{color:var(--good);font-weight:700}
@media (max-width:860px){.quotes{grid-template-columns:1fr}}

/* dla doradców */
.pro{background:var(--ink);color:#fff;border-radius:8px;padding:36px;display:grid;grid-template-columns:1fr 1.3fr;gap:32px}
.pro h2{color:#fff}
.pro p{color:var(--hero-muted);margin-top:12px}
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.plan{background:var(--ink-2);border-radius:8px;padding:18px;display:flex;flex-direction:column;gap:8px}
.plan.hl{outline:2px solid var(--accent)}
.plan strong{font:700 1.5rem var(--f-display);font-variant-numeric:tabular-nums}
.plan small{color:var(--hero-muted);font-size:.82rem}
.plan ul{margin:4px 0 0;padding-left:18px;font-size:.86rem;color:#dfe5f2}
@media (max-width:900px){.pro{grid-template-columns:1fr;padding:24px}.plans{grid-template-columns:1fr}}

/* FAQ */
details{background:var(--surface);border:1.5px solid var(--line);border-radius:8px;padding:16px 20px;margin-bottom:10px}
summary{font-weight:700;cursor:pointer}
details p{margin-top:10px;color:var(--muted);max-width:70ch}

.final{text-align:center;padding-block:56px}
.final p{color:var(--muted);margin:12px auto 22px;max-width:52ch}
.final .ticks{display:flex;gap:22px;justify-content:center;flex-wrap:wrap;margin-bottom:24px;font-weight:600}

footer{background:var(--ink);color:var(--hero-muted);padding-block:44px 28px;font-size:.88rem}
footer .cols{display:grid;grid-template-columns:repeat(5,1fr);gap:24px}
footer .fh{color:#fff;margin:0 0 10px;font-size:.92rem;font-weight:700}
footer a{display:block;text-decoration:none;padding:3px 0}
footer a:hover{color:#fff}
footer .legal{border-top:1px solid var(--ink-2);margin-top:28px;padding-top:18px;font-size:.78rem}
@media (max-width:860px){footer .cols{grid-template-columns:1fr 1fr}}
@media (prefers-reduced-motion:no-preference){.adv-card,.choice{transition:border-color .15s,box-shadow .15s}}

/* podstrony */
.page-head{background:var(--ink);color:var(--hero-fg);padding-block:36px 44px}
.page-head h1{font-size:clamp(1.7rem,3.2vw,2.3rem);font-weight:700}
.page-head .lead{color:var(--hero-muted);margin-top:12px;max-width:62ch;font-size:1.05rem}
.crumbs{font-size:.82rem;color:var(--hero-muted);margin-bottom:14px;display:flex;gap:6px;flex-wrap:wrap}
.crumbs a{text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.page-grid{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:36px;align-items:start}
.page-grid .lead-card{position:sticky;top:96px}
@media (max-width:960px){.page-grid{grid-template-columns:1fr}.page-grid .lead-card{position:static}}
.prose{max-width:70ch}
.prose h2{font-size:1.5rem;margin:36px 0 12px}
.prose p,.prose ul,.prose ol{margin:0 0 14px}
.prose li{margin-bottom:6px}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin:22px 0}
.fact{background:var(--surface);border:1.5px solid var(--line);border-radius:8px;padding:14px 16px}
.fact strong{font:700 1.45rem var(--f-display);display:block;font-variant-numeric:tabular-nums}
.fact span{color:var(--muted);font-size:.84rem}
.src{font-size:.78rem;color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips a{border:1.5px solid var(--line);background:var(--surface);border-radius:6px;padding:6px 12px;text-decoration:none;font-size:.9rem;font-weight:600}
.chips a:hover{border-color:var(--ink-2)}
.demo-banner{background:var(--accent);color:var(--accent-fg);font-size:.82rem;text-align:center;padding-block:6px;font-weight:600}
.city-table td a{font-weight:600}
.lvl{font-size:.75rem;color:var(--muted)}
.skip{position:absolute;left:-999px}
.skip:focus{left:16px;top:8px;z-index:20;background:var(--surface);padding:8px 12px;border-radius:8px}
.facts:empty{display:none}
.tiles.art{grid-template-columns:repeat(3,1fr)}
.tiles.art span{font-size:1.02rem}
@media (max-width:860px){.tiles.art{grid-template-columns:1fr}}
.adv-name a{text-decoration:none}
.adv-name a:hover{text-decoration:underline}
.note-draft{background:var(--promo-bg);border:1px solid var(--promo);border-radius:8px;padding:10px 14px;font-size:.9rem}
mark{background:var(--accent);color:var(--accent-fg);padding:0 4px;border-radius:3px}
.fine a{color:inherit}

/* znak marki jako tło hero i pieczątka KNF */
.hero{position:relative;overflow:hidden}

.hero .wrap{position:relative;z-index:1}
.stamp{display:inline-flex;align-items:center;gap:10px;margin-top:26px;border:1px solid var(--ink-2);color:var(--hero-fg);border-radius:6px;padding:7px 16px 7px 8px;font-size:.84rem;font-weight:700;letter-spacing:.02em;}
.stamp i{width:22px;height:22px;border-radius:50%;background:var(--good);color:#fff;display:grid;place-items:center;font-style:normal;font-size:.9rem}
a{color:inherit}
.prose a,.tbl-note a,.method a,.city-table a{color:var(--cobalt)}
.top-list h3 + .row .pos{color:#F5B100}
.row .sc{display:flex;flex-direction:column;gap:4px}
.row .sc::after{content:"";height:4px;border-radius:2px;background:linear-gradient(90deg,var(--cobalt) var(--w,50%),var(--line) var(--w,50%))}
/* telefon: nagłówek w dwóch niskich rzędach (logo + przycisk, pod spodem menu), żeby nie zabierał ekranu */
@media (max-width:860px){
  header.top .wrap{gap:8px 12px;padding-block:10px}
  .logo{font-size:1.2rem;gap:8px}.logo svg{width:28px;height:28px}
  .top-cta{margin-left:auto}.top-cta .btn{padding:9px 12px;font-size:.88rem}
  nav.main{padding-bottom:2px;mask-image:linear-gradient(90deg,#000 85%,transparent)}
}

/* ===== styl bankowy (2026-10-25): biały nagłówek, jasne sekcje, granatowe przyciski, złote akcenty ===== */
body{font-size:17px}
body::before{background:var(--ink)}
.btn{border-radius:6px}
.btn-cta{background:var(--ink);color:#fff}
.btn-cta:hover{filter:none;background:var(--ink-2)}
.calc-result .btn-cta,.pro .btn-cta,.final-dark .btn-cta{background:var(--accent);color:var(--accent-fg)}
.eyebrow{color:var(--gold-ink)}

/* pasek segmentów nad nagłówkiem */
.util{background:var(--ink);color:#C9D2E6;font-size:.82rem}
.util .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:36px;flex-wrap:wrap}
.util nav{display:flex;gap:2px;align-self:stretch}
.util nav a{display:flex;align-items:center;padding:0 12px;text-decoration:none;color:#C9D2E6;border-bottom:3px solid transparent}
.util nav a.on{color:#fff;font-weight:700;border-bottom-color:var(--accent)}
.util-r{display:flex;gap:18px;align-items:center}
.util-r a{text-decoration:none;color:#fff;font-weight:600;white-space:nowrap}
@media (max-width:600px){.util-r a[href="/kontakt/"]{display:none}.util .wrap{flex-wrap:nowrap}.util nav a{white-space:nowrap}}
@media (max-width:860px){.util-knf{display:none}.util nav a{padding:0 8px}}

/* nagłówek */
header.top{background:var(--surface);color:var(--fg);border-bottom:1px solid var(--line);box-shadow:0 1px 0 rgba(10,30,70,.03);top:0}
header.top .wrap{padding-block:16px}
.logo{color:var(--ink)}
.logo b{color:var(--ink)}
nav.main a{color:var(--fg);font-weight:600;padding-block:6px;border-bottom:2px solid transparent}
nav.main a:hover{color:var(--ink);border-bottom-color:var(--accent)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .logo,:root:not([data-theme="light"]) .logo b{color:#fff}}
:root[data-theme="dark"] .logo,:root[data-theme="dark"] .logo b{color:#fff}

/* hero: jasne tło, panorama polskich miast u dołu */
.hero{background:var(--tint);color:var(--fg);padding-block:56px 150px}
.hero h1{color:var(--ink);font-size:clamp(2rem,3.8vw,2.9rem);letter-spacing:-.01em}
.hero .lead{color:var(--muted)}
.hero .lead,.hero .ticks-list{max-width:54ch}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .hero h1{color:#fff}}
:root[data-theme="dark"] .hero h1{color:#fff}
.ticks-list{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:10px;font-weight:600}
.ticks-list li{display:flex;gap:10px;align-items:baseline}
.ticks-list li::before{content:"";flex:none;width:18px;height:18px;border-radius:50%;background:var(--ink) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 18 18'%3E%3Cpath d='M5 9.5l2.5 2.5L13 6.5' fill='none' stroke='%23FFC93C' stroke-width='2.2'/%3E%3C/svg%3E") center/18px;transform:translateY(3px)}
.lead-card{box-shadow:var(--shadow);border:1px solid var(--line)}
.panorama{position:absolute;left:0;right:0;bottom:0;width:100%;height:120px;z-index:0;pointer-events:none}
.pan-tlo{fill:var(--tint-2)}
.pan-przod{fill:var(--ink);opacity:.14}
@media (max-width:900px){.hero{padding-block:32px 110px}.panorama{height:80px}}

/* pasek zaufania */
.trust-strip{background:var(--surface);border-bottom:1px solid var(--line)}
.trust-strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding-block:22px}
.trust-strip .wrap>div{display:flex;gap:12px;align-items:center;min-width:0}
.trust-strip .ico{width:30px;height:30px;color:var(--ink);flex:none}
.trust-strip strong{display:block;font-size:1rem}
.trust-strip small{color:var(--muted);font-size:.84rem}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .trust-strip .ico{color:var(--accent)}}
:root[data-theme="dark"] .trust-strip .ico{color:var(--accent)}
@media (max-width:900px){.trust-strip .wrap{grid-template-columns:1fr 1fr}}

/* czego potrzebujesz */
.need{padding-block:56px 8px}
.need h2{margin-bottom:22px}
.need-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.need-grid a{display:flex;gap:16px;align-items:center;background:var(--surface);border:1px solid var(--line);border-radius:8px;padding:20px;text-decoration:none;transition:border-color .15s,box-shadow .15s}
.need-grid a:hover{border-color:var(--ink);box-shadow:var(--shadow)}
.need-grid .ico{width:46px;height:46px;padding:11px;border-radius:50%;background:var(--tint);color:var(--ink);flex:none}
.need-grid strong{display:block;font-size:1.05rem}
.need-grid small{color:var(--muted);font-size:.88rem}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .need-grid .ico{color:var(--accent)}}
:root[data-theme="dark"] .need-grid .ico{color:var(--accent)}
@media (max-width:860px){.need-grid{grid-template-columns:1fr}}

section.alt{background:var(--tint)}
#kalkulator.alt{padding-block:64px}

/* mapa Polski */
.map-wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:32px;align-items:start}
.map-box{background:var(--tint);border-radius:8px;padding:20px}
.mapa{width:100%;height:auto;display:block}
.map-land{fill:var(--surface);stroke:var(--ink);stroke-width:2;stroke-linejoin:round}
.map-pt circle{fill:var(--ink);stroke:var(--surface);stroke-width:2.5;transition:r .15s}
.map-pt text{font:600 18px var(--f-body);fill:var(--fg);paint-order:stroke;stroke:var(--surface);stroke-width:4px;stroke-linejoin:round}
.map-pt:hover circle,.map-pt:focus circle{fill:var(--accent);stroke:var(--ink);r:9}
.map-pt:hover text{text-decoration:underline}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .map-land{stroke:#8FA8FF}:root:not([data-theme="light"]) .map-pt circle{fill:var(--accent)}}
:root[data-theme="dark"] .map-land{stroke:#8FA8FF}:root[data-theme="dark"] .map-pt circle{fill:var(--accent)}
.map-wrap .voiv{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:560px){.map-wrap .voiv{grid-template-columns:1fr}}
@media (max-width:960px){.map-wrap{grid-template-columns:1fr}}

/* podstrony: jasny nagłówek strony */
.page-head{background:var(--tint);color:var(--fg);border-bottom:1px solid var(--line)}
.page-head h1{color:var(--ink)}
.page-head .lead{color:var(--muted)}
.crumbs{color:var(--muted)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .page-head h1{color:#fff}}
:root[data-theme="dark"] .page-head h1{color:#fff}

/* karty, tabele, FAQ: spokojniej */
.adv-card,.top-list,.tbl-wrap,.calc,details,.fact,.how li,.tiles a,.chips a{border-width:1px}
.adv-card.promo{border-width:1.5px}
.how li::before{background:var(--ink);color:var(--accent)}
.steps i.on{background:var(--ink)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .steps i.on{background:var(--accent)}}
:root[data-theme="dark"] .steps i.on{background:var(--accent)}
.city-tabs button[aria-selected="true"]{background:var(--ink);color:#fff}
.calc{box-shadow:var(--shadow)}

/* stopka */
footer{padding-block:52px 28px}
.logo-foot,.logo-foot b{color:#fff}
.logo-foot{font-size:1.3rem}
.logo-foot svg{width:32px;height:32px}
.totop{margin-top:24px;font-weight:600}
.totop a{display:inline}
.demo-banner{position:relative;z-index:11}

/* ===== poziom 3 (2026-10-25): hero z wizualizacją, pasek banków, sekcja analizy, opinie, granatowe zakończenie ===== */
:root{--r:12px}
section{padding-block:88px}
h2{font-size:clamp(1.7rem,2.8vw,2.35rem);letter-spacing:-.01em}
.sec-head{margin-bottom:36px}
.sec-head p{font-size:1.05rem}
.adv-card,.top-list,.tbl-wrap,.calc,details,.fact,.how li,.tiles a,.need-grid a,.lead-card,.quotes figure,.map-box{border-radius:var(--r)}
.btn-lg{padding:16px 26px;font-size:1.05rem}
.btn-ghost{background:var(--surface);border:1.5px solid var(--ink);color:var(--ink)}
.btn-ghost:hover{background:var(--tint)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .btn-ghost{color:#fff;border-color:#8FA8FF;background:transparent}}
:root[data-theme="dark"] .btn-ghost{color:#fff;border-color:#8FA8FF;background:transparent}

.hero{padding-block:72px 170px}
.hero .wrap{grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.3rem,4.6vw,3.6rem);line-height:1.08;margin-top:14px;letter-spacing:-.02em}
.hero .lead{font-size:1.2rem;margin-top:20px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero-proof{margin-top:22px;font-size:.92rem;color:var(--muted)}
.hero-proof strong{color:var(--fg)}
.hero-visual{position:relative;min-height:400px}
.hv-card{position:absolute;top:20px;left:6%;right:4%;background:var(--surface);border:1px solid var(--line);border-radius:16px;box-shadow:0 2px 4px rgba(10,30,70,.05),0 24px 60px rgba(10,30,70,.14);padding:22px 24px}
.hv-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding-bottom:14px;border-bottom:1px solid var(--line);margin-bottom:6px;flex-wrap:wrap}
.hv-head span{font-weight:700;font-size:1.1rem}
.hv-head small{color:var(--muted)}
.hv-row{display:grid;grid-template-columns:1fr auto;gap:4px 12px;align-items:center;padding:14px 12px;border-radius:10px;font-variant-numeric:tabular-nums}
.hv-row span{font-weight:700;font-size:1.15rem}
.hv-row em{grid-column:1/-1;font-style:normal;font-size:.78rem;font-weight:700;color:var(--good)}
.hv-row.best{background:var(--tint);box-shadow:inset 3px 0 0 var(--accent)}
.hv-foot{font-size:.76rem;color:var(--muted);margin-top:8px}
.hv-badge,.hv-expert{position:absolute;display:flex;gap:12px;align-items:center;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:12px 16px;box-shadow:0 12px 32px rgba(10,30,70,.14)}
.hv-badge{right:0;bottom:56px}
.hv-badge .ico{width:34px;height:34px;padding:7px;border-radius:50%;background:#E5F4EC;color:var(--good)}
.hv-expert{left:0;bottom:0}
.hv-expert .avatar{width:40px;height:40px;font-size:.95rem}
.hv-badge strong,.hv-expert strong{display:block;font-size:.95rem}
.hv-badge small,.hv-expert small{color:var(--muted);font-size:.8rem}
@media (prefers-reduced-motion:no-preference){.hv-badge{animation:hv-in .6s .3s both}.hv-expert{animation:hv-in .6s .5s both}@keyframes hv-in{from{transform:translateY(8px)}to{transform:none}}}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr;gap:28px}.hero-visual{min-height:360px}.hero{padding-block:36px 120px}}
@media (max-width:480px){.hv-card{left:0;right:0}.hv-badge{right:0;bottom:64px}.hero-cta .btn{flex:1}}

.banks{border-bottom:1px solid var(--line);background:var(--surface)}
.banks .wrap{display:flex;flex-wrap:wrap;align-items:center;gap:10px 28px;padding-block:22px;justify-content:center}
.banks span{font-size:.82rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.06em}
.banks b{font-size:1.02rem;color:var(--muted);font-weight:700;letter-spacing:-.01em;white-space:nowrap}

.analiza .wrap{display:grid;grid-template-columns:1fr 440px;gap:56px;align-items:start}
.analiza .sub{color:var(--muted);font-size:1.1rem;margin-top:14px;max-width:52ch}
.analiza h2{margin-top:8px}
.facts-row{display:flex;gap:28px;flex-wrap:wrap;margin-top:32px;padding-top:24px;border-top:1px solid var(--line)}
.facts-row>div{display:flex;gap:10px;align-items:center}
.facts-row .ico{width:26px;height:26px;color:var(--ink)}
.facts-row strong{display:block;font-size:.95rem}
.facts-row small{color:var(--muted);font-size:.82rem}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .facts-row .ico{color:var(--accent)}}
:root[data-theme="dark"] .facts-row .ico{color:var(--accent)}
@media (max-width:960px){.analiza .wrap{grid-template-columns:1fr;gap:32px}}
.lead-card{padding:28px}

.quotes figure{gap:14px;padding:26px}
.quotes blockquote{font-size:1.05rem;line-height:1.6}

.final-dark{background:var(--ink);color:#fff;text-align:center;padding-block:80px}
.final-dark h2{color:#fff}
.final-dark p{color:var(--hero-muted);margin:14px auto 24px;max-width:52ch;font-size:1.1rem}
.final-dark .ticks{display:flex;gap:24px;justify-content:center;flex-wrap:wrap;margin-bottom:28px;font-weight:600}
footer{border-top:1px solid var(--ink-2)}
@media (max-width:900px){.hero-visual{min-height:0;display:grid;gap:10px}.hv-card{position:static}.hv-badge{display:none}.hv-expert{position:relative;justify-self:start;margin:-28px 0 0 12px}}
/* poziom 3: nagłówki podstron i rytm */
.page-head{position:relative;overflow:hidden;padding-block:44px 52px}
.page-head .wrap{position:relative}
.ph-deco{position:absolute;right:max(24px,calc(50% - 600px));top:50%;transform:translateY(-50%);height:150%;width:auto;fill:none;stroke:var(--ink);stroke-width:1.5;opacity:.07;pointer-events:none}
@media (max-width:760px){.ph-deco{display:none}}
.page-head + section,.page-head + main section:first-child{padding-top:48px}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .ph-deco{stroke:#fff}}
:root[data-theme="dark"] .ph-deco{stroke:#fff}
.ph-deco{top:20px;bottom:20px;transform:none;height:calc(100% - 40px);fill:var(--tint-2);stroke:none;opacity:1}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .ph-deco{fill:rgba(255,255,255,.04)}}
:root[data-theme="dark"] .ph-deco{fill:rgba(255,255,255,.04)}
.row-link{font-size:.88rem;color:var(--muted);white-space:nowrap;text-decoration:none}
.row-link b{color:var(--cobalt);font-weight:600}
.row-link:hover b{text-decoration:underline}
.tiles.art a{display:flex;flex-direction:column}
.art-meta{margin-top:auto;padding-top:14px;display:flex;justify-content:space-between;font-style:normal;font-size:.82rem;color:var(--muted)}
.art-meta b{color:var(--cobalt);font-weight:600}
input[type=range]{-webkit-appearance:none;appearance:none;height:28px;background:transparent;--p:50%}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:linear-gradient(var(--ink),var(--ink)) 0/var(--p) 100% no-repeat,var(--tint-2)}
input[type=range]::-moz-range-track{height:6px;border-radius:3px;background:var(--tint-2)}
input[type=range]::-moz-range-progress{height:6px;border-radius:3px;background:var(--ink)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;margin-top:-8px;border-radius:50%;background:#fff;border:2px solid var(--ink);box-shadow:0 2px 6px rgba(10,30,70,.25);cursor:pointer}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:2px solid var(--ink);box-shadow:0 2px 6px rgba(10,30,70,.25);cursor:pointer}
input[type=range]:focus-visible{outline:none}
input[type=range]:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 4px rgba(31,79,216,.3)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) input[type=range]::-webkit-slider-runnable-track{background:linear-gradient(var(--accent),var(--accent)) 0/var(--p) 100% no-repeat,#2a3a5c}}
/* logo C3: napis jako ścieżki, czerwona linia pod „polska” */
.logo svg.wm{width:auto;height:26px;color:var(--ink);display:block}
.logo-foot svg.wm{height:24px;color:#fff}
@media (max-width:600px){.logo svg.wm{height:21px}}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .logo svg.wm{color:#fff}}
:root[data-theme="dark"] .logo svg.wm{color:#fff}

/* ===== poziom 4 (2026-10-25): poprawki po audytach telefon/komputer/tryb ciemny ===== */
/* rytm: dwie jasne sekcje pod rząd dzielą jeden odstęp (zamiast inline padding-top:0) */
section:not(.alt):not(.hero):not(.need)+section:not(.alt){padding-top:0}
.sec-head p.eyebrow{font-size:.78rem;color:var(--gold-ink);margin-top:0;max-width:none}
#analiza{scroll-margin-top:110px}
.page-grid>*{min-width:0}
.prose table{display:block;overflow-x:auto}

/* tryb ciemny: granatowe przyciski znikały na granatowym tle */
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .btn-cta{background:var(--accent);color:var(--accent-fg)}:root:not([data-theme="light"]) .btn-cta:hover{background:#ffd666}:root:not([data-theme="light"]) .how li::before{background:var(--accent);color:var(--ink)}:root:not([data-theme="light"]) .ph-deco{stroke:none}}
:root[data-theme="dark"] .btn-cta{background:var(--accent);color:var(--accent-fg)}
:root[data-theme="dark"] .btn-cta:hover{background:#ffd666}
:root[data-theme="dark"] .how li::before{background:var(--accent);color:var(--ink)}
:root[data-theme="dark"] .ph-deco{stroke:none}
/* obwódka fokusu widoczna na granacie */
.util :focus-visible,footer :focus-visible,.final-dark :focus-visible,.pro :focus-visible,.calc-result :focus-visible{outline-color:var(--accent)}

/* hero: karta zestawienia bez kwot */
.hv-row{grid-template-columns:5.2em minmax(0,1fr);gap:6px 14px;padding:14px 12px}
.hv-row b{font-size:1.02rem}
.hv-bar{display:block;height:10px;border-radius:5px;background:var(--tint-2);position:relative;overflow:hidden}
.hv-bar::after{content:"";position:absolute;inset:0 auto 0 0;width:var(--w,60%);border-radius:5px;background:var(--ink-2);opacity:.35}
.hv-row.best .hv-bar::after{background:var(--ink);opacity:1}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .hv-bar::after{background:#8FA8FF}:root:not([data-theme="light"]) .hv-row.best .hv-bar::after{background:var(--accent)}}
:root[data-theme="dark"] .hv-bar::after{background:#8FA8FF}
:root[data-theme="dark"] .hv-row.best .hv-bar::after{background:var(--accent)}
.hv-badge{bottom:96px}
.hv-badge .ico{background:var(--tint);color:var(--ink)}
@media (max-width:480px){.hero-cta{flex-direction:column}.hero-cta .btn{width:100%}}

/* formularz */
.trust-line{margin-top:12px;font-size:.8rem;color:var(--muted);text-align:center}
.field [aria-invalid="true"]{border-color:#C0352B}

/* ranking: karta operatora i pusty stan */
.op-label b{background:var(--ink);white-space:nowrap}
.promo-label b{white-space:nowrap}
.promo-grid.one{grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);align-items:stretch}
.rk-soon{border:1px dashed var(--line);border-radius:var(--r);padding:22px;display:flex;flex-direction:column;gap:10px;background:var(--surface)}
.rk-soon p:not(.eyebrow){color:var(--muted)}
.rk-soon a{font-weight:700;color:var(--cobalt)}
@media (max-width:900px){.promo-grid.one{grid-template-columns:1fr}}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .op-label b{background:var(--ink-2)}}
:root[data-theme="dark"] .op-label b{background:var(--ink-2)}

/* kalkulatory, fakty, pakiety */
.calc-result{align-self:start}
.facts{grid-template-columns:repeat(auto-fill,minmax(180px,1fr))}
.plans{align-items:start}
.plan{color:#fff}
.prose .plans{margin:10px 0 18px}
.prose .plan ul{padding-left:18px}

/* FAQ i rozwijane listy: jeden styl strzałki zamiast domyślnego trójkąta */
summary{list-style:none;display:flex;justify-content:space-between;align-items:baseline;gap:12px}
summary::-webkit-details-marker{display:none}
summary::after{content:"";flex:none;width:9px;height:9px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:translateY(-3px) rotate(45deg);opacity:.55;transition:transform .15s}
details[open]>summary::after{transform:translateY(2px) rotate(-135deg)}
.voiv summary span{margin-left:auto}

/* stopka: jedna kolumna województw w dwóch szpaltach */
footer .cols{grid-template-columns:1.3fr 1fr 1fr 1.6fr}
.f-woj-l{columns:2;column-gap:24px}
@media (max-width:860px){footer .cols{grid-template-columns:1fr 1fr}.f-woj{grid-column:1/-1}footer a{padding:8px 0}.util-r a{padding-block:8px}}

/* 404 i krótkie strony: stopka na dole ekranu */
body{min-height:100vh;display:flex;flex-direction:column}
main{flex:1}

/* telefon */
@media (max-width:860px){
  header.top{position:static}
  nav.main{flex-wrap:wrap;overflow:visible;mask-image:none;gap:4px 16px}
  nav.main a{padding-block:8px}
}
@media (max-width:600px){
  section{padding-block:56px}
  .final-dark{padding-block:56px}
  table{min-width:0}
  th,td{padding:10px 8px;font-size:.88rem}
  .map-box{display:none}
  .map-wrap .voiv{grid-template-columns:1fr 1fr}
  .voiv summary{flex-direction:column;gap:2px}
  .voiv summary span{margin-left:0}
  .voiv summary::after{display:none}
}
@media (max-width:960px){
  .page-grid.lead-first>.lead-card,.analiza .lead-card{order:-1}
}
@media (max-width:360px){.map-wrap .voiv{grid-template-columns:1fr}}

/* pasek „Zadzwoń / Bezpłatna analiza” na telefonie; chowa się, gdy formularz jest na ekranie */
.m-bar{display:none}
@media (max-width:960px){
  .m-bar{display:grid;grid-template-columns:1fr 1.4fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:12;padding:10px max(12px,env(safe-area-inset-left,0px)) calc(10px + env(safe-area-inset-bottom,0px));background:var(--surface);border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(10,30,70,.10);transition:transform .2s}
  .m-bar .btn{padding:12px 10px;font-size:.95rem;min-height:48px}
  .m-bar.ukryj{transform:translateY(110%)}
  body{padding-bottom:72px}
}
.btn svg{width:20px;height:20px;flex:none}
.hero-visual{min-height:390px}
.hv-badge{bottom:0;right:0}
.hv-expert{bottom:0;left:0}