/* ==========================================================================
   Finumero — system projektowy v5 "Obsydian & Złoto"
   Private banking / kancelaria prestiżowa: czerń + granat + szampańskie złoto.
   Display: Cormorant (wysokokontrastowa szeryfowa). UI: Manrope.
   Sygnatura: złota pieczęć-medalion + gilosz w hero.
   Nazwy klas/zmiennych zachowane — istniejące HTML i renderery działają bez zmian.
   ========================================================================== */

:root {
  --paper:      #0A0C12;   /* obsydian — tło */
  --paper-2:    #0E1730;   /* granat — sekcje/karty */
  --paper-3:    #14203F;   /* jaśniejszy granat — hover/wyróżnienia */
  --navy:       #0E1730;
  --navy-2:     #14203F;
  --ink:        #F1ECE0;   /* kość słoniowa — tekst */
  --ink-soft:   #C7CEDA;   /* chłodna jasna szarość */
  --gold:       #C9A24B;   /* szampańskie złoto — akcent */
  --gold-bright:#E3C46E;
  --gold-deep:  #A6822F;
  /* aliasy zgodności ze starymi klasami */
  --green:      #C9A24B;
  --green-deep: #A6822F;
  --green-tint: rgba(201,162,75,.10);
  --ochre:      #C9A24B;
  --ochre-deep: #C9A24B;
  --brass:      #C9A24B;
  --brass-deep: #A6822F;
  --on-brass:   #0A0C12;   /* tekst na złocie */
  --emerald:    #6FCF9A;
  --muted:      #828DA6;   /* chłodny błękitnoszary */
  --line:       rgba(201,162,75,.16);
  --line-soft:  rgba(241,236,224,.07);
  --danger:     #E0806E;
  --shadow:     0 1px 2px rgba(0,0,0,.4), 0 18px 48px rgba(0,0,0,.42);
  --shadow-lg:  0 8px 22px rgba(0,0,0,.5), 0 36px 90px rgba(0,0,0,.55);
  --radius:     14px;
  --radius-sm:  9px;
  --maxw:       1140px;
  --readw:      724px;
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: "Manrope", -apple-system, system-ui, sans-serif;
  font-size: 17px;
  line-height: 1.72;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  background-image:
    radial-gradient(70% 50% at 80% -5%, rgba(20,32,63,.55), transparent 60%),
    radial-gradient(50% 40% at 0% 100%, rgba(14,23,48,.5), transparent 55%);
  background-attachment: fixed;
}
img { max-width: 100%; display: block; }
::selection { background: var(--gold); color: var(--on-brass); }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
a { color: var(--ink); text-decoration-color: rgba(201,162,75,.4); text-underline-offset: 4px; transition: color .18s, text-decoration-color .18s; }
a:hover { color: var(--gold); text-decoration-color: var(--gold); }

/* ---------- typografia ---------- */
h1, h2, h3, .display {
  font-family: "Cormorant", Georgia, serif;
  font-weight: 500;
  line-height: 1.06;
  letter-spacing: 0;
  color: var(--ink);
}
h1 { font-size: clamp(2.7rem, 6vw, 5rem); margin: 0 0 .4em; font-weight: 500; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.9rem); margin: 2.3em 0 .5em; font-weight: 500; }
h3 { font-size: clamp(1.35rem, 2vw, 1.7rem); margin: 1.8em 0 .4em; font-weight: 600; }
p  { margin: 0 0 1.15em; }
strong { font-weight: 700; color: var(--ink); }
.gold { color: var(--gold); }

/* ---------- layout ---------- */
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 26px; }
.read { max-width: var(--readw); margin: 0 auto; padding: 0 26px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* ---------- pasek afiliacyjny ---------- */
.affil-strip {
  background: #060810;
  border-bottom: 1px solid var(--line);
  font-size: .77rem; letter-spacing: .03em;
  color: var(--muted); text-align: center; padding: 9px 16px;
}

/* ---------- header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(10,12,18,.78);
  backdrop-filter: saturate(140%) blur(14px);
  border-bottom: 1px solid var(--line-soft);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 74px; }
.brand {
  font-family: "Cormorant", serif; font-weight: 600; font-size: 1.5rem;
  letter-spacing: .01em; color: var(--ink); text-decoration: none; display: flex; align-items: center; gap: 12px;
}
.brand:hover { color: var(--ink); }
.brand .mark {
  width: 32px; height: 32px; border-radius: 50%;
  background: radial-gradient(circle at 35% 30%, var(--gold-bright), var(--gold) 45%, var(--gold-deep));
  display: grid; place-items: center; color: var(--on-brass); font-size: .8rem; font-weight: 800;
  font-family: "Manrope", sans-serif; letter-spacing: .01em;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.3), 0 0 0 1px rgba(166,130,47,.4);
}
.brand .mark::after { content: "fn"; }
.nav { display: flex; align-items: center; gap: 16px; }
.nav a { font-size: .855rem; font-weight: 500; letter-spacing: .01em; color: var(--ink-soft); text-decoration: none; white-space: nowrap; }
.nav a:hover { color: var(--gold); }
.nav .btn-nav {
  background: linear-gradient(180deg, var(--gold-bright), var(--gold));
  color: var(--on-brass); padding: 10px 18px; border-radius: 9px;
  font-weight: 700; letter-spacing: .02em;
  box-shadow: inset 0 1px 0 rgba(255,255,255,.35);
  transition: filter .18s, transform .12s;
}
.nav .btn-nav:hover { filter: brightness(1.07); color: var(--on-brass); }
.nav .btn-nav:active { transform: translateY(1px); }
.menu-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 6px; }
.menu-toggle span { display: block; width: 22px; height: 2px; background: var(--gold); margin: 4px 0; transition: .2s; }

.lang-switch { display: flex; gap: 6px; align-items: center; font-size: .76rem; color: var(--muted); margin-right: 2px; letter-spacing: .04em; }
.lang-switch a { color: var(--muted); text-decoration: none; font-weight: 600; }
.lang-switch a:hover { color: var(--gold); }
.lang-switch .cur { color: var(--gold); font-weight: 700; }
.lang-switch span.sep { color: var(--line); }

@media (max-width: 1080px) {
  .menu-toggle { display: block; }
  .nav {
    position: absolute; top: 74px; left: 0; right: 0; flex-direction: column; gap: 0;
    background: #0B1426; border-bottom: 1px solid var(--line); align-items: stretch;
    max-height: 0; overflow: hidden; transition: max-height .3s ease;
  }
  .nav.open { max-height: 480px; }
  .nav a { padding: 16px 26px; border-top: 1px solid var(--line-soft); }
  .nav .btn-nav { margin: 14px 26px; text-align: center; }
  .lang-switch { padding: 14px 26px; border-top: 1px solid var(--line-soft); margin: 0; }
}

/* ---------- hero z pieczęcią + giloszem ---------- */
.hero { padding: clamp(76px, 11vw, 156px) 0 clamp(58px, 8vw, 112px); position: relative; overflow: hidden; }
.hero::before {
  content: ""; position: absolute; inset: -12% -6% -12% 32%;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 900 900'%3E%3Cg fill='none' stroke='%23C9A24B' stroke-opacity='0.10' stroke-width='1'%3E%3Ccircle cx='450' cy='450' r='150'/%3E%3Ccircle cx='450' cy='450' r='220'/%3E%3Ccircle cx='450' cy='450' r='300'/%3E%3Ccircle cx='450' cy='450' r='390'/%3E%3Cg stroke-opacity='0.07'%3E%3Cellipse cx='450' cy='450' rx='390' ry='120'/%3E%3Cellipse cx='450' cy='450' rx='390' ry='120' transform='rotate(20 450 450)'/%3E%3Cellipse cx='450' cy='450' rx='390' ry='120' transform='rotate(40 450 450)'/%3E%3Cellipse cx='450' cy='450' rx='390' ry='120' transform='rotate(60 450 450)'/%3E%3Cellipse cx='450' cy='450' rx='390' ry='120' transform='rotate(80 450 450)'/%3E%3Cellipse cx='450' cy='450' rx='390' ry='120' transform='rotate(100 450 450)'/%3E%3Cellipse cx='450' cy='450' rx='390' ry='120' transform='rotate(120 450 450)'/%3E%3Cellipse cx='450' cy='450' rx='390' ry='120' transform='rotate(140 450 450)'/%3E%3Cellipse cx='450' cy='450' rx='390' ry='120' transform='rotate(160 450 450)'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right center; background-size: contain;
  pointer-events: none;
}
.hero::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(46% 60% at 84% 26%, rgba(201,162,75,.08), transparent 62%);
  pointer-events: none;
}
.hero .wrap { position: relative; z-index: 1; }
.hero .eyebrow {
  display: inline-flex; align-items: center; gap: 13px;
  font-size: .73rem; font-weight: 700; letter-spacing: .26em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 28px;
}
.hero .eyebrow::before { content: ""; width: 40px; height: 1px; background: linear-gradient(90deg, var(--gold), transparent); }
.hero h1 { max-width: 17ch; }
.hero h1 .gold { background: linear-gradient(120deg, var(--gold-bright), var(--gold) 60%, var(--gold-deep)); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.hero .lede { font-size: clamp(1.1rem, 1.6vw, 1.3rem); color: var(--ink-soft); max-width: 56ch; margin-bottom: 36px; line-height: 1.74; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }

@keyframes riseIn { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: none; } }
.hero .eyebrow { animation: riseIn .7s .05s cubic-bezier(.2,.7,.3,1) both; }
.hero h1      { animation: riseIn .85s .18s cubic-bezier(.2,.7,.3,1) both; }
.hero .lede   { animation: riseIn .85s .34s cubic-bezier(.2,.7,.3,1) both; }
.hero-cta     { animation: riseIn .85s .5s  cubic-bezier(.2,.7,.3,1) both; }

/* ---------- przyciski ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 9px; cursor: pointer;
  font-family: "Manrope", inherit; font-weight: 700; font-size: .97rem; letter-spacing: .02em;
  border: 0; border-radius: 10px; padding: 14px 26px; text-decoration: none;
  transition: transform .12s ease, filter .18s ease, border-color .18s, color .18s, box-shadow .18s, background .18s;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: linear-gradient(180deg, var(--gold-bright), var(--gold)); color: var(--on-brass); box-shadow: inset 0 1px 0 rgba(255,255,255,.35), 0 8px 26px rgba(201,162,75,.18); }
.btn-primary:hover { filter: brightness(1.07); color: var(--on-brass); }
.btn-ghost { background: transparent; color: var(--ink); border: 1px solid var(--line); }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }
.btn-affil { background: linear-gradient(180deg, var(--gold-bright), var(--gold)); color: var(--on-brass); box-shadow: inset 0 1px 0 rgba(255,255,255,.3); }
.btn-affil:hover { filter: brightness(1.07); color: var(--on-brass); }
.btn-sm { padding: 10px 16px; font-size: .87rem; border-radius: 8px; }

/* ---------- karty ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 8px 0 12px; }
@media (max-width: 900px) { .cards { grid-template-columns: 1fr; } }
.card {
  background: linear-gradient(180deg, var(--navy), #0B1326);
  border: 1px solid var(--line-soft); border-radius: var(--radius);
  padding: 30px 28px; text-decoration: none; color: inherit; display: block; position: relative; overflow: hidden;
  transition: transform .2s ease, border-color .2s ease, box-shadow .2s;
}
.card::before {
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 2px;
  background: linear-gradient(90deg, var(--gold), transparent 75%); transform: scaleX(0); transform-origin: left; transition: transform .35s ease;
}
.card:hover { transform: translateY(-4px); border-color: rgba(201,162,75,.4); box-shadow: var(--shadow); color: inherit; }
.card:hover::before { transform: scaleX(1); }
.card .kicker { font-size: .71rem; font-weight: 700; letter-spacing: .22em; text-transform: uppercase; color: var(--gold); }
.card h3 { margin: 14px 0 10px; font-weight: 600; }
.card p { color: var(--muted); font-size: .95rem; margin: 0; line-height: 1.66; }
.card .arrow { margin-top: 20px; font-weight: 600; color: var(--gold); font-size: .9rem; letter-spacing: .03em; }

/* ---------- sekcje ---------- */
.section { padding: clamp(58px, 8vw, 104px) 0; }
.section-alt { background: linear-gradient(180deg, rgba(14,23,48,.6), rgba(14,23,48,.3)); border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); }
.section-head { max-width: 64ch; margin-bottom: 42px; }
.section-head .eyebrow {
  display: inline-flex; align-items: center; gap: 13px;
  font-size: .71rem; font-weight: 700; letter-spacing: .24em; text-transform: uppercase; color: var(--gold);
}
.section-head .eyebrow::before { content: ""; width: 32px; height: 1px; background: linear-gradient(90deg, var(--gold), transparent); }
.section-head h2 { margin: 16px 0 .35em; }
.section-head p { color: var(--ink-soft); font-size: 1.08rem; margin: 0; }

/* ---------- artykuł ---------- */
.article { padding: clamp(50px, 7vw, 84px) 0 84px; }
.article .meta { color: var(--muted); font-size: .84rem; letter-spacing: .05em; margin-bottom: 30px; }
.article .breadcrumb { font-size: .8rem; letter-spacing: .03em; color: var(--muted); margin-bottom: 26px; }
.article .breadcrumb a { color: var(--muted); text-decoration: none; }
.article .breadcrumb a:hover { color: var(--gold); }
.prose { max-width: var(--readw); margin: 0 auto; padding: 0 26px; }
.prose ul, .prose ol { margin: 0 0 1.25em; padding-left: 1.3em; }
.prose li { margin-bottom: .55em; }
.prose li::marker { color: var(--gold); }
.prose blockquote {
  margin: 2em 0; padding: 24px 30px; background: var(--green-tint);
  border-left: 2px solid var(--gold); border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-family: "Cormorant", serif; font-style: italic; font-size: 1.34rem; line-height: 1.4; color: var(--ink);
}
.prose blockquote p:last-child { margin: 0; }
.prose .faq-q { font-family: "Cormorant", serif; font-weight: 600; font-size: 1.4rem; margin: 1.5em 0 .25em; color: var(--gold); }

/* ---------- spis treści ---------- */
.toc {
  background: var(--navy); border: 1px solid var(--line-soft); border-left: 2px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 24px 28px; margin: 0 0 40px;
}
.toc strong { display: block; font-size: .7rem; letter-spacing: .22em; text-transform: uppercase; color: var(--gold); margin-bottom: 12px; font-weight: 700; }
.toc ol { margin: 0; padding-left: 1.2em; }
.toc li { margin-bottom: 6px; font-size: .93rem; }
.toc a { text-decoration: none; color: var(--ink-soft); }
.toc a:hover { color: var(--gold); }

/* ---------- tabela porównawcza ---------- */
.konta-table-wrap { margin: 32px 0; overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--line-soft); border-radius: var(--radius); background: var(--navy); width: min(var(--maxw), calc(100vw - 48px)); margin-left: calc(50% - min(var(--maxw), calc(100vw - 48px)) / 2); }
.konta-table { width: 100%; border-collapse: separate; border-spacing: 0; min-width: 760px; font-size: .92rem; font-variant-numeric: tabular-nums; }
.konta-table td:last-child, .konta-table th:last-child { text-align: right; white-space: nowrap; }
.konta-table .btn-affil { white-space: nowrap; }
.konta-table thead th {
  text-align: left; font-weight: 700; font-size: .68rem; letter-spacing: .16em; text-transform: uppercase;
  color: var(--gold); padding: 17px 16px 13px; border-bottom: 1px solid rgba(201,162,75,.28);
  background: rgba(201,162,75,.05);
}
.konta-table tbody td { padding: 18px 16px; border-bottom: 1px solid var(--line-soft); vertical-align: top; }
.konta-table tbody tr:last-child td { border-bottom: 0; }
.konta-table tbody tr { transition: background .15s; }
.konta-table tbody tr:hover { background: rgba(201,162,75,.05); }
.konta-bank { font-weight: 700; color: var(--ink); }
.konta-bank small { display: block; font-weight: 400; color: var(--muted); font-size: .8rem; margin-top: 3px; }
.konta-badge {
  display: inline-block; font-size: .69rem; font-weight: 600; letter-spacing: .02em; padding: 4px 11px; border-radius: 20px;
  background: var(--green-tint); color: var(--gold); border: 1px solid rgba(201,162,75,.28); margin-top: 8px;
}
.konta-yes { color: var(--emerald); font-weight: 700; }
.konta-no { color: var(--muted); }

/* ---------- dobieracz ---------- */
.wizard { max-width: 680px; margin: 0 auto; }
.wizard-card {
  background: var(--navy); border: 1px solid var(--line-soft); border-radius: var(--radius);
  padding: clamp(28px, 4.5vw, 48px); box-shadow: var(--shadow);
}
.wizard-progress { display: flex; gap: 6px; margin-bottom: 32px; }
.wizard-progress span { flex: 1; height: 3px; border-radius: 2px; background: var(--line); transition: background .35s; }
.wizard-progress span.done { background: linear-gradient(90deg, var(--gold), var(--gold-bright)); }
.wizard-step { display: none; animation: fadeStep .4s ease; }
.wizard-step.active { display: block; }
@keyframes fadeStep { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.wizard-q { font-family: "Cormorant", serif; font-weight: 600; font-size: 2rem; margin: 0 0 6px; line-height: 1.15; }
.wizard-sub { color: var(--muted); margin-bottom: 26px; font-size: .94rem; }
.opt-grid { display: grid; gap: 12px; }
.opt {
  text-align: left; background: transparent; border: 1px solid var(--line); border-radius: 11px;
  padding: 17px 20px; cursor: pointer; font-family: "Manrope", inherit; font-size: 1.01rem; color: var(--ink);
  transition: border-color .18s, background .18s, transform .1s, color .18s;
}
.opt:hover { border-color: var(--gold); background: var(--green-tint); color: var(--gold); }
.opt:active { transform: scale(.99); }
.wizard-nav { display: flex; justify-content: space-between; margin-top: 26px; }
.result-card {
  border: 1px solid var(--line-soft); border-radius: 12px; padding: 22px; margin-bottom: 14px; background: var(--navy-2);
  display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap;
}
.result-card .info h4 { margin: 0 0 5px; font-family: "Cormorant", serif; font-weight: 600; font-size: 1.36rem; }
.result-card .info p { margin: 0; color: var(--muted); font-size: .88rem; }
.disclaimer-sm { font-size: .82rem; color: var(--muted); margin-top: 20px; padding-top: 18px; border-top: 1px solid var(--line-soft); line-height: 1.6; }

/* ---------- noty ---------- */
.notice { border-radius: var(--radius-sm); padding: 16px 20px; font-size: .92rem; margin: 26px 0; line-height: 1.6; }
.notice-info { background: rgba(111,207,154,.07); border: 1px solid rgba(111,207,154,.25); color: #BCE3CC; }
.notice-info a { color: var(--emerald); }
.notice-warn { background: rgba(201,162,75,.08); border: 1px solid rgba(201,162,75,.3); color: #E6D09C; }
.notice-warn a { color: var(--gold); }
.notice strong { font-weight: 700; color: inherit; }

/* ---------- listing ---------- */
.post-list { display: grid; gap: 0; }
.post-row {
  display: flex; justify-content: space-between; align-items: baseline; gap: 22px;
  padding: 30px 6px; border-bottom: 1px solid var(--line-soft); text-decoration: none; color: inherit;
  transition: padding-left .2s;
}
.post-row:hover { color: inherit; padding-left: 14px; }
.post-row:hover .post-title { color: var(--gold); }
.post-title { font-family: "Cormorant", serif; font-size: 1.55rem; font-weight: 600; margin: 0 0 6px; transition: color .18s; }
.post-row p { margin: 0; color: var(--muted); font-size: .93rem; max-width: 62ch; }
.post-row .cat { font-size: .69rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); white-space: nowrap; }

/* ---------- footer ---------- */
.site-footer { background: #060810; color: var(--ink-soft); margin-top: 56px; border-top: 1px solid var(--line); }
.site-footer .wrap { padding-top: 66px; padding-bottom: 34px; }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr; gap: 40px; }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr; gap: 30px; } }
.footer-brand { font-family: "Cormorant", serif; font-weight: 600; font-size: 1.6rem; color: var(--ink); margin-bottom: 12px; }
.site-footer p { color: var(--muted); font-size: .9rem; line-height: 1.66; }
.footer-col h4 { color: var(--gold); font-family: "Manrope", sans-serif; font-size: .69rem; letter-spacing: .2em; text-transform: uppercase; margin: 0 0 16px; font-weight: 700; }
.footer-col a { display: block; color: var(--ink-soft); text-decoration: none; font-size: .91rem; margin-bottom: 10px; transition: color .15s; }
.footer-col a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid var(--line-soft); margin-top: 44px; padding-top: 24px; font-size: .8rem; color: var(--muted); letter-spacing: .02em; }

/* ---------- cookies ---------- */
.cookie {
  position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 90; max-width: 720px; margin: 0 auto;
  background: var(--navy-2); color: var(--ink-soft); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 18px 22px; box-shadow: var(--shadow-lg);
  display: none; gap: 16px; align-items: center; justify-content: space-between; flex-wrap: wrap;
}
.cookie.show { display: flex; }
.cookie p { margin: 0; font-size: .88rem; flex: 1 1 280px; }
.cookie p a { color: var(--gold); }
.cookie .cookie-actions { display: flex; gap: 10px; }
.cookie .btn { padding: 10px 16px; font-size: .86rem; }
.cookie .btn-ghost { color: var(--ink-soft); border-color: var(--line); }
.cookie .btn-ghost:hover { color: var(--gold); border-color: var(--gold); }

/* ---------- scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s cubic-bezier(.2,.7,.3,1), transform .7s cubic-bezier(.2,.7,.3,1); }
.reveal.in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
  html { scroll-behavior: auto; }
  body { background-attachment: scroll; }
}

/* ---------- różne ---------- */
.lede-block { font-size: 1.1rem; color: var(--ink-soft); line-height: 1.76; }
hr.rule { border: 0; border-top: 1px solid var(--line-soft); margin: 48px 0; }
.center { text-align: center; }
.mt-0 { margin-top: 0; }

/* ---------- answer-first (GEO) + ryzyko ---------- */
.answer-first {
  font-family: "Manrope", sans-serif; font-size: 1.16rem; line-height: 1.7; color: var(--ink);
  padding: 22px 26px; background: var(--green-tint); border: 1px solid rgba(201,162,75,.22);
  border-radius: var(--radius-sm); margin: 0 0 30px;
}
.notice-risk { background: rgba(224,128,110,.08); border: 1px solid rgba(224,128,110,.32); color: #F0C3B8; }
.notice-risk a { color: var(--danger); }

/* ===== Kalkulator ZUS ===== */
.zus-calc{max-width:640px;margin:28px auto;background:var(--navy);border:1px solid var(--line-soft);border-radius:var(--radius);padding:26px 24px}
.zus-field{margin-bottom:16px}
.zus-field>label{display:block;font-size:.9rem;color:#96a0b4;margin-bottom:6px;font-weight:600}
.zus-field select,.zus-field input[type=number]{width:100%;padding:11px 12px;background:#0c1526;border:1px solid var(--line-soft);border-radius:10px;color:#e6e9ef;font-size:1rem;font-family:inherit;box-sizing:border-box}
.zus-field select:focus,.zus-field input:focus{outline:none;border-color:var(--gold)}
.zus-check label{display:flex;align-items:center;gap:9px;color:#e6e9ef;font-weight:500;cursor:pointer;font-size:.95rem}
.zus-check input{width:18px;height:18px;accent-color:var(--gold);flex:0 0 auto}
.zus-result{margin:22px 0 6px;padding:20px;background:linear-gradient(135deg,#0e1730,#0a0c12);border:1px solid var(--gold);border-radius:12px}
.zus-row{display:flex;justify-content:space-between;gap:12px;padding:7px 0;font-size:.98rem;color:#e6e9ef}
.zus-row.zus-total{border-top:1px solid var(--line-soft);margin-top:8px;padding-top:14px;font-size:1.32rem;font-weight:700;color:var(--gold);font-family:'Cormorant',Georgia,serif}
.zus-row .zus-val{font-variant-numeric:tabular-nums;font-weight:600;white-space:nowrap}
.zus-note{font-size:.82rem;color:#8b93a6;margin:10px 0 0;line-height:1.5}
.zus-disclaimer{font-size:.8rem;color:#8b93a6;line-height:1.55;margin:14px 0 18px}
.zus-cta{display:inline-block;background:var(--gold);color:#0a0c12;padding:13px 22px;border-radius:10px;font-weight:700;text-decoration:none;font-size:1rem;transition:filter .15s}
.zus-cta:hover{filter:brightness(1.08)}

/* ===== Kafelki kalkulatorów ===== */
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin:24px 0}
.calc-tile{display:block;background:var(--navy);border:1px solid var(--line-soft);border-radius:var(--radius);padding:22px 20px;text-decoration:none;transition:border-color .15s,transform .15s;position:relative}
.calc-tile:hover{border-color:var(--gold);transform:translateY(-3px)}
.calc-tile.soon{opacity:.62;pointer-events:none}
.calc-ico{display:block;margin-bottom:12px;line-height:1}
.calc-tile h3{font-family:'Cormorant',Georgia,serif;color:var(--gold);font-size:1.35rem;margin:0 0 6px;font-weight:600}
.calc-tile p{color:#96a0b4;font-size:.9rem;line-height:1.45;margin:0}
.calc-badge{position:absolute;top:13px;right:13px;background:rgba(201,162,75,.14);color:var(--gold);font-size:.66rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:4px 9px;border-radius:20px;border:1px solid rgba(201,162,75,.32)}
.calc-tile .arr{color:var(--gold);font-weight:700;margin-top:10px;display:inline-block;font-size:.9rem}

/* ===== Kalkulator raty: presety ===== */
.calc-presets{margin-top:8px;font-size:.8rem;color:#8b93a6}
.calc-presets span{margin-right:4px}
.preset-btn{background:rgba(201,162,75,.12);border:1px solid rgba(201,162,75,.3);color:var(--gold);font-size:.78rem;padding:4px 10px;border-radius:20px;cursor:pointer;font-family:inherit;margin:2px}
.preset-btn:hover{background:rgba(201,162,75,.22)}
.calc-inline{display:flex;gap:10px}
.calc-inline input{flex:1}
.calc-inline select{flex:0 0 120px}

/* ===== Dynamiczny ranking kredytów ===== */
.kr-controls{display:flex;gap:16px;flex-wrap:wrap;margin:8px 0 22px}
.kr-field{flex:1;min-width:190px}
.kr-field label{display:block;font-size:.85rem;color:#96a0b4;margin-bottom:6px;font-weight:600}
.kr-field input,.kr-field select{padding:11px 12px;background:#0c1526;border:1px solid var(--line-soft);border-radius:10px;color:#e6e9ef;font-size:1rem;font-family:inherit;width:100%;box-sizing:border-box}
.kr-field input:focus,.kr-field select:focus{outline:none;border-color:var(--gold)}
.kr-inline{display:flex;gap:8px}.kr-inline input{flex:1}.kr-inline select{flex:0 0 110px}
.kr-card{position:relative;background:var(--navy);border:1px solid var(--line-soft);border-radius:var(--radius);padding:20px;margin-bottom:14px}
.kr-card.best{border-color:var(--gold)}
.kr-best-badge{position:absolute;top:-10px;left:20px;background:var(--gold);color:#0a0c12;font-size:.68rem;font-weight:700;padding:3px 11px;border-radius:20px;text-transform:uppercase;letter-spacing:.03em}
.kr-head{margin-bottom:14px}
.kr-bank{font-family:'Cormorant',Georgia,serif;font-size:1.3rem;color:#e6e9ef;font-weight:600;display:block;line-height:1.2}
.kr-head small{color:#96a0b4;font-size:.88rem}
.kr-metrics{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:14px}
.kr-metric{display:flex;flex-direction:column}
.kr-label{font-size:.7rem;color:#8b93a6;text-transform:uppercase;letter-spacing:.03em;margin-bottom:3px}
.kr-value{font-size:1.02rem;font-weight:600;color:#e6e9ef;font-variant-numeric:tabular-nums}
.kr-main .kr-value{color:var(--gold);font-size:1.22rem}
.kr-cond{font-size:.82rem;color:#8b93a6;margin-bottom:14px;line-height:1.5}
@media(max-width:640px){.kr-metrics{grid-template-columns:repeat(2,1fr)}}

/* ===== Wpis: tabela porównawcza, FAQ, CTA box ===== */
.cmp-wrap{overflow-x:auto;margin:18px 0}
.cmp-table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:640px}
.cmp-table th{background:var(--navy);color:var(--gold);text-align:left;padding:11px 12px;font-family:'Cormorant',Georgia,serif;font-size:1.05rem;font-weight:600;border-bottom:1px solid var(--gold)}
.cmp-table td{padding:11px 12px;border-bottom:1px solid var(--line-soft);color:#cdd3de;vertical-align:top}
.cmp-table tr:hover td{background:rgba(255,255,255,.02)}
.cmp-table td:first-child{color:#e6e9ef;font-weight:600}
.faq{margin:14px 0}
.faq-item{border-bottom:1px solid var(--line-soft);padding:14px 0}
.faq-q{font-weight:700;color:#e6e9ef;margin:0 0 6px;font-size:1.02rem}
.faq-a{color:#aab2c0;margin:0;line-height:1.6}
.cta-box{background:linear-gradient(135deg,#0e1730,#0a0c12);border:1px solid var(--gold);border-radius:var(--radius);padding:24px;margin:26px 0}
.cta-box h3{font-family:'Cormorant',Georgia,serif;color:var(--gold);font-size:1.4rem;margin:0 0 8px}
.cta-box p{color:#cdd3de;margin:0 0 14px}
.cta-box .cta-sub{font-size:.9rem;color:#96a0b4;margin:12px 0 0}
.cta-box .cta-sub a{color:var(--gold)}
.author-note{font-size:.86rem;color:#96a0b4;font-style:italic;border-left:2px solid var(--gold);padding-left:12px;margin:22px 0}

/* ===== Artykuł: box autora + przewijana tabela ===== */
.table-wrap{overflow-x:auto;margin:16px 0}
.author-box{margin:28px 0 8px;padding:18px 20px;background:var(--navy);border:1px solid var(--line-soft);border-left:3px solid var(--gold);border-radius:var(--radius)}
.author-box h3{margin:0 0 6px;font-family:'Cormorant',Georgia,serif;color:var(--gold);font-size:1.2rem}
.author-box p{margin:0;color:#96a0b4;font-size:.92rem;line-height:1.55}