/* K&P Finanse – style strony */
@font-face{font-family:"Inter";src:url(fonts/inter-a.woff2) format("woff2");font-weight:100 900;font-display:swap;unicode-range:U+0020-00FF,U+2000-206F,U+20AC,U+2190-2199,U+2122}
@font-face{font-family:"Inter";src:url(fonts/inter-pl.woff2) format("woff2");font-weight:100 900;font-display:swap;unicode-range:U+0100-017F}
@font-face{font-family:"Serif";src:url(fonts/serif-a.woff2) format("woff2");font-weight:600;font-display:swap;unicode-range:U+0020-00FF,U+2000-206F,U+20AC,U+2190-2199,U+2122}
@font-face{font-family:"Serif";src:url(fonts/serif-pl.woff2) format("woff2");font-weight:600;font-display:swap;unicode-range:U+0100-017F}

:root{
  --navy:#1b2a41;--navy-2:#26395a;--navy-3:#33496f;
  --cream:#efe8dc;--cream-2:#f8f5ef;--paper:#fff;
  --ink:#1c2432;--muted:#566173;--line:#e2dccf;
  --gold:#c59b55;--gold-2:#e2ba74;--cta:#d9a441;--cta-h:#e6b65a;
  --ok:#2f7a4f;--err:#b3261e;
  --r:14px;--r-s:9px;--sh:0 1px 2px rgba(27,42,65,.06),0 8px 28px rgba(27,42,65,.08);
  --wrap:1180px;--serif:"Serif",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font:400 17px/1.65 var(--sans);color:var(--ink);background:var(--paper);text-rendering:optimizeLegibility}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--navy-3);text-underline-offset:3px}
a:hover{color:var(--navy)}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.18;color:var(--navy);margin:0 0 .5em;letter-spacing:-.01em;text-wrap:balance}
h1{font-size:clamp(2rem,4.6vw,3.25rem)}
h2{font-size:clamp(1.6rem,3vw,2.3rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
ul{padding-left:1.2em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:6px;z-index:100}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.eyebrow{font:600 .8rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;display:block}
.lead{font-size:1.15rem;color:var(--muted);max-width:62ch}
.muted{color:var(--muted)}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}

/* przyciski */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:50px;padding:12px 24px;border-radius:999px;font:600 1rem/1.2 var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s,transform .15s}
.btn:active{transform:translateY(1px)}
.btn-cta{background:var(--cta);color:var(--navy)}
.btn-cta:hover{background:var(--cta-h);color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2);color:#fff}
.btn-ghost{border-color:currentColor;color:var(--navy);background:transparent}
.btn-ghost:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.on-dark .btn-ghost{color:var(--cream)}
.on-dark .btn-ghost:hover{background:var(--cream);color:var(--navy);border-color:var(--cream)}
.btn svg{width:20px;height:20px;flex:none}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}

/* nagłówek */
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;gap:24px;min-height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);flex:none}
.brand img{height:50px;width:auto}
.brand span{font:600 .72rem/1.25 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);border-left:1px solid var(--line);padding-left:12px}
.nav{margin-left:auto}
.nav ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:4px}
.nav a,.nav-btn{display:block;padding:10px 13px;border-radius:8px;text-decoration:none;color:var(--ink);font:500 .97rem/1.2 var(--sans);background:none;border:0;cursor:pointer}
.nav a:hover,.nav-btn:hover,.nav a[aria-current=page]{background:var(--cream-2);color:var(--navy)}
.nav a[aria-current=page]{box-shadow:inset 0 -2px 0 var(--gold)}
.has-sub{position:relative}
.nav-btn::after{content:"";display:inline-block;width:7px;height:7px;border:solid currentColor;border-width:0 2px 2px 0;transform:translateY(-3px) rotate(45deg);margin-left:8px}
.sub{position:absolute;top:calc(100% + 6px);left:-8px;min-width:290px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);padding:8px!important;display:none!important;flex-direction:column;align-items:stretch!important}
.has-sub.open .sub{display:flex!important}
@media (hover:hover) and (min-width:1001px){.has-sub:hover .sub,.has-sub:focus-within .sub{display:flex!important}}
.sub a{padding:10px 12px}
.top-tel{flex:none}
.top-tel .btn{min-height:44px;padding:8px 18px}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;min-height:44px;padding:8px 14px;font:600 .95rem var(--sans);color:var(--navy);cursor:pointer}

@media (max-width:1000px){
  .menu-btn{display:inline-flex;align-items:center;gap:8px}
  .top-tel{display:none}
  .nav{position:absolute;top:100%;left:0;right:0;height:calc(100vh - 76px);height:calc(100dvh - 76px);background:#fff;overflow:auto;padding:12px 20px 120px;display:none;margin:0;border-top:1px solid var(--line)}
  .nav.open{display:block}
  .nav ul{flex-direction:column;align-items:stretch}
  .nav a,.nav-btn{padding:14px 10px;font-size:1.08rem;width:100%;text-align:left}
  .sub{position:static;box-shadow:none;border:0;padding:0 0 0 12px!important;min-width:0}
  .brand span{display:none}
}

/* sekcje */
.sec{padding:84px 0}
.sec-tight{padding:56px 0}
.bg-cream{background:var(--cream-2)}
.bg-navy{background:var(--navy);color:var(--cream)}
.bg-navy h2,.bg-navy h3{color:#fff}
.bg-navy .lead,.bg-navy .muted{color:#c9cfdb}
.sec-head{max-width:760px;margin-bottom:44px}
.sec-head.center{margin-left:auto;margin-right:auto}

/* hero */
.hero{position:relative;background:var(--navy);color:var(--cream);overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:url(img/biurko-1600.webp) center/cover no-repeat;opacity:.16}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(1100px 500px at 15% 0%,rgba(197,155,85,.18),transparent 60%)}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:72px;padding-bottom:80px}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--gold-2)}
.hero .lead{color:#d3d8e2}
.ticks{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:12px}
.ticks li{display:flex;gap:12px;align-items:flex-start}
.ticks li::before{content:"";flex:none;width:22px;height:22px;margin-top:2px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231b2a41' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/14px no-repeat}
.ticks.dark li::before{background-color:var(--gold)}
.hero .ticks strong{color:#fff}
.hero-card{background:#fff;color:var(--ink);border-radius:18px;padding:30px;box-shadow:0 30px 60px rgba(0,0,0,.28)}
.hero-card h2{font-size:1.5rem;margin-bottom:.3em}
.hero-card .muted{font-size:.95rem}

.page-hero{background:var(--navy);color:var(--cream);position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;inset:0;background:radial-gradient(900px 400px at 85% 0%,rgba(197,155,85,.2),transparent 60%)}
.page-hero .wrap{position:relative;z-index:1;padding-top:44px;padding-bottom:60px}
.page-hero h1{color:#fff;max-width:20ch}
.page-hero .lead{color:#d3d8e2}
.crumbs{font-size:.88rem;margin-bottom:26px;color:#aeb7c7}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}
.crumbs li+li::before{content:"›";margin-right:6px;color:var(--gold)}
.crumbs a{color:#d3d8e2}
.price-tag{display:inline-flex;align-items:baseline;gap:8px;margin-top:22px;padding:10px 18px;border:1px solid rgba(226,186,116,.45);border-radius:999px;color:var(--gold-2);font-weight:600}
.price-tag b{font:600 1.5rem var(--serif);color:#fff}

/* liczby */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;background:#fff;border-radius:var(--r);box-shadow:var(--sh);margin-top:-46px;position:relative;z-index:2}
.stat{padding:26px 22px;text-align:center;border-left:1px solid var(--line)}
.stat:first-child{border-left:0}
.stat b{display:block;font:600 2.1rem/1.1 var(--serif);color:var(--navy)}
.stat span{font-size:.92rem;color:var(--muted)}

/* karty usług */
.grid{display:grid;gap:22px}
.grid>*,.split>*{min-width:0}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;display:flex;flex-direction:column;transition:box-shadow .2s,transform .2s,border-color .2s}
a.card{text-decoration:none;color:inherit}
a.card:hover{box-shadow:var(--sh);transform:translateY(-3px);border-color:#d3c7b0}
.card h3{margin-bottom:.4em}
.card p{color:var(--muted);font-size:.98rem}
.card .more{margin-top:auto;font-weight:600;color:var(--navy-3);display:inline-flex;gap:6px;align-items:center}
.card .more::after{content:"→";transition:transform .2s}
a.card:hover .more::after{transform:translateX(4px)}
.ico{width:52px;height:52px;border-radius:12px;background:var(--cream);display:grid;place-items:center;margin-bottom:18px;color:var(--navy)}
.ico svg{width:28px;height:28px}

/* cennik */
.plans{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.plan{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px 24px;display:flex;flex-direction:column}
.plan.hot{border:2px solid var(--gold);box-shadow:var(--sh)}
.plan .badge{position:absolute;top:-13px;left:24px;background:var(--gold);color:var(--navy);font:700 .74rem/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;padding:7px 12px;border-radius:999px}
.plan h3{font-size:1.2rem;margin-bottom:.2em}
.plan .sub-t{font-size:.9rem;color:var(--muted);margin-bottom:16px}
.plan .amount{font:600 2.3rem/1 var(--serif);color:var(--navy)}
.plan .amount small{font:500 .9rem var(--sans);color:var(--muted)}
.plan .from{font-size:.82rem;color:var(--muted);margin:6px 0 16px}
.plan ul{list-style:none;padding:0;margin:0 0 22px;display:grid;gap:8px;font-size:.95rem}
.plan li{padding-left:24px;position:relative}
.plan li::before{content:"";position:absolute;left:2px;top:.55em;width:10px;height:6px;border:solid var(--ok);border-width:0 0 2px 2px;transform:rotate(-45deg)}
.plan .btn{margin-top:auto;width:100%}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.98rem}
th,td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line)}
th{background:var(--cream-2);font-weight:600;color:var(--navy)}
tr:last-child td{border-bottom:0}
td.num,th.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
.note{font-size:.9rem;color:var(--muted);margin-top:14px}

/* kroki */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:22px;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;background:#fff;border-radius:var(--r);padding:30px 26px;border:1px solid var(--line)}
.steps li::before{content:counter(s);display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold-2);font:600 1.2rem var(--serif);margin-bottom:16px}
.steps h3{font-size:1.15rem}
.steps p{margin:0;color:var(--muted);font-size:.97rem}

/* dwie kolumny */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split.top-al{align-items:start}
.illu{border-radius:20px;overflow:hidden;background:var(--cream)}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.checks li{padding-left:34px;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:3px;width:22px;height:22px;border-radius:50%;background:var(--cream) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231b2a41' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/14px no-repeat}
.cols2{columns:2;column-gap:40px}
.cols2 li{break-inside:avoid}

/* treść artykułów / podstron */
.prose{max-width:760px}
.prose h2{margin-top:1.6em;font-size:1.7rem}
.prose h3{margin-top:1.4em}
.prose li{margin-bottom:.4em}
.aside-box{background:var(--cream-2);border:1px solid var(--line);border-radius:var(--r);padding:26px;position:sticky;top:100px}
.aside-box h3{font-size:1.15rem}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start}

/* FAQ */
.faq{max-width:860px;margin:0 auto;display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r-s)}
.faq summary{cursor:pointer;list-style:none;padding:20px 56px 20px 22px;font-weight:600;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font:400 1.6rem/1 var(--sans);color:var(--gold)}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 22px 20px;color:var(--muted)}
.faq details>div p:last-child{margin:0}

/* obszar */
.towns{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:20px 0 0}
.towns li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-size:.95rem}
.bg-navy .towns li{background:var(--navy-2);border-color:var(--navy-3);color:var(--cream)}

/* CTA */
.cta-band{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:var(--cream);border-radius:22px;padding:52px;display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center}
.cta-band h2{color:#fff}
.cta-band p{color:#c9cfdb}
.cta-band .btns{margin-top:0;justify-content:flex-end}

/* kontakt */
.contact-list{list-style:none;padding:0;margin:0;display:grid;gap:22px}
.contact-list li{display:flex;gap:16px}
.contact-list .ico{margin:0;flex:none;width:46px;height:46px}
.contact-list b{display:block;color:var(--navy)}
.contact-list a{font-weight:600}
.map{position:relative;border-radius:var(--r);overflow:hidden;background:var(--cream) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60'%3E%3Cpath d='M0 30h60M30 0v60' stroke='%23e2dccf' stroke-width='1'/%3E%3C/svg%3E");min-height:340px;display:grid;place-items:center;text-align:center;padding:24px}
.map iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map p{max-width:36ch;font-size:.9rem;color:var(--muted)}

/* formularz */
.form{display:grid;gap:14px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:1rem;padding:12px 14px;border:1.5px solid #cfd5df;border-radius:10px;background:#fff;color:var(--ink)}
.field textarea{min-height:120px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy-3);box-shadow:0 0 0 3px rgba(51,73,111,.15)}
.field .opt{font-weight:400;color:var(--muted)}
.consent{display:flex;gap:10px;font-size:.84rem;line-height:1.5;color:var(--muted)}
.consent input{width:20px;height:20px;flex:none;margin-top:1px;accent-color:var(--navy)}
.hp{position:absolute!important;left:-5000px!important;width:1px;height:1px;overflow:hidden}
.form .btn{width:100%}
.form-msg{display:none;border-radius:10px;padding:14px 16px;font-size:.95rem}
.form-msg.ok{display:block;background:#e9f4ee;color:var(--ok)}
.form-msg.err{display:block;background:#fbeceb;color:var(--err)}
.form-small{font-size:.82rem;color:var(--muted);text-align:center;margin:0}
.form-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px;box-shadow:var(--sh)}

/* stopka */
.foot{background:#121d2e;color:#aab3c3;padding:64px 0 0;font-size:.95rem}
.foot a{color:#d6dbe4;text-decoration:none}
.foot a:hover{color:#fff;text-decoration:underline}
.foot h3{color:#fff;font:600 .82rem/1.2 var(--sans);letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px}
.foot ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.foot .brand img{height:46px}
.foot-bottom{border-top:1px solid #24324a;margin-top:48px;padding:22px 0;display:flex;flex-wrap:wrap;gap:12px 28px;justify-content:space-between;font-size:.86rem}

/* pasek mobilny */
.mbar{display:none}
@media (max-width:760px){
  body{padding-bottom:72px}
  .mbar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(27,42,65,.08)}
  .mbar .btn{min-height:48px;padding:8px 10px;font-size:.98rem}
}

/* artykuły */
.post-meta{color:#aeb7c7;font-size:.92rem;margin-top:14px}
.toc{background:var(--cream-2);border-left:3px solid var(--gold);padding:18px 22px;border-radius:0 var(--r-s) var(--r-s) 0;margin:0 0 28px}
.toc ol{margin:8px 0 0;padding-left:1.2em}

/* responsywność */
@media (max-width:1100px){.plans{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:1000px){
  .hero .wrap,.split,.content-grid,.cta-band{grid-template-columns:minmax(0,1fr)}
  .hero .wrap{gap:36px;padding-top:48px}
  .g3{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .cta-band .btns{justify-content:flex-start}
  .aside-box{position:static}
}
@media (max-width:760px){
  body{font-size:16px}
  .sec{padding:60px 0}
  .stats{grid-template-columns:1fr 1fr;margin-top:-30px}
  .stat:nth-child(3){border-left:0}
  .stat:nth-child(n+3){border-top:1px solid var(--line)}
  .g3,.g2,.g4,.plans,.steps,.form .row{grid-template-columns:1fr}
  .cols2{columns:1}
  .cta-band{padding:34px 24px}
  .hero-card,.form-box{padding:24px 20px}
  .foot-grid{grid-template-columns:1fr}
  .wrap{padding:0 16px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.menu-btn svg{width:20px;height:20px}