@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&family=Bricolage+Grotesque:opsz,wght@12..96,300;12..96,400;12..96,500;12..96,600;12..96,700&display=swap');

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --vp: #6400E6;
  --vd: #1E005A;
  --vm: #4A00AA;
  --vl: #F0EBFF;
  --vlm: #DDD0FF;
  --white: #FFFFFF;
  --dark: #0D0010;
  --text: #1A1030;
  --muted: #6B5B8B;
  --light-bg: #FAFAFE;
  --border: #EAE2F8;
  --gold: #C9A84C;
  --radius-card: 18px;
  --radius-btn: 30px;
  --radius-pill: 26px;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Bricolage Grotesque', sans-serif;
  background: var(--white);
  color: var(--text);
  font-size: 1rem;
  line-height: 1.7;
  overflow-x: hidden;
}

img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* ============================================================
   NAVBAR
============================================================ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
  height: 72px;
  padding: 0 5%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.nav-logo {
  display: flex;
  align-items: center;
  text-decoration: none;
  flex-shrink: 0;
}
.nav-logo-img {
  height: 40px;
  width: auto;
  display: block;
}

@media (max-width: 660px) {
  .nav-logo-img { height: 34px; }
}

.nav-pills-wrap {
  background: var(--vl);
  border-radius: var(--radius-pill);
  padding: 5px 6px;
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
}

.nav-pills-wrap a {
  display: block;
  padding: 7px 18px;
  border-radius: 20px;
  font-size: 0.83rem;
  font-weight: 500;
  color: var(--vm);
  text-decoration: none;
  transition: background 0.22s, color 0.22s;
  white-space: nowrap;
}
.nav-pills-wrap a:hover,
.nav-pills-wrap a.active {
  background: var(--vp);
  color: var(--white);
}

.nav-cta {
  background: var(--vp);
  color: var(--white);
  padding: 10px 24px;
  border-radius: var(--radius-btn);
  font-size: 0.85rem;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
  transition: background 0.22s, transform 0.22s;
}
.nav-cta:hover {
  background: var(--vm);
  transform: translateY(-1px);
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--vd);
  border-radius: 2px;
  transition: all 0.3s;
}
.nav-cta-mobile { display: none; }

/* ============================================================
   ANIMATIONS SLIDE-IN
============================================================ */
.si {
  opacity: 0;
  transform: translateX(-46px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.si.on {
  opacity: 1;
  transform: translateX(0);
}
.si-r {
  opacity: 0;
  transform: translateX(46px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.si-r.on {
  opacity: 1;
  transform: translateX(0);
}
.si-up {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.si-up.on {
  opacity: 1;
  transform: translateY(0);
}
.d1 { transition-delay: 0.08s; }
.d2 { transition-delay: 0.16s; }
.d3 { transition-delay: 0.24s; }
.d4 { transition-delay: 0.32s; }
.d5 { transition-delay: 0.40s; }
.d6 { transition-delay: 0.48s; }

/* ============================================================
   LAYOUT COMMUN
============================================================ */
.section {
  padding: 100px 5%;
}
.inner {
  max-width: 1160px;
  margin: 0 auto;
}
.bg-light { background: var(--light-bg); }
.bg-dark  { background: var(--vd); }
.bg-vp    { background: var(--vp); }

.eyebrow {
  display: inline-block;
  font-size: 0.71rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: var(--vp);
  margin-bottom: 12px;
}
.eyebrow.w { color: rgba(255,255,255,0.6); }

h2.stitle {
  font-family: 'Inter', sans-serif;
  font-size: clamp(1.9rem, 3.5vw, 2.9rem);
  font-weight: 800;
  line-height: 1.1;
  color: var(--vd);
  margin-bottom: 16px;
}
h2.stitle.w { color: var(--white); }

.slead {
  font-size: 1.05rem;
  color: var(--muted);
  line-height: 1.75;
  max-width: 520px;
}
.slead.w { color: rgba(255,255,255,0.72); max-width: 600px; }

/* ============================================================
   TWO-COLUMN IMAGE / TEXT
============================================================ */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: stretch;
}

.img-block {
  border-radius: var(--radius-card);
  overflow: hidden;
  background: var(--vl);
  position: relative;
  min-height: 420px;
}
.img-block img {
  border-radius: 0;
  position: relative;
  z-index: 1;
}
.img-block .img-ph {
  position: absolute;
  inset: 0;
  display: none;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: linear-gradient(135deg, var(--vl), var(--vlm));
  z-index: 0;
}
.img-block .img-ph span {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--vm);
}

/* ============================================================
   BOUTONS
============================================================ */
.btn {
  display: inline-block;
  padding: 13px 30px;
  border-radius: var(--radius-btn);
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.25s;
}
.btn-p {
  background: var(--vp);
  color: var(--white);
  border-color: var(--vp);
  box-shadow: 0 4px 18px rgba(100,0,230,0.22);
}
.btn-p:hover {
  background: var(--vm);
  border-color: var(--vm);
  transform: translateY(-2px);
  box-shadow: 0 6px 26px rgba(100,0,230,0.32);
}
.btn-o {
  background: transparent;
  color: var(--vp);
  border-color: var(--vp);
}
.btn-o:hover {
  background: var(--vp);
  color: var(--white);
}
.btn-w {
  background: var(--white);
  color: var(--vp);
  border-color: var(--white);
}
.btn-w:hover {
  background: var(--vl);
  border-color: var(--vl);
}
.btn-ghost {
  background: transparent;
  color: rgba(255,255,255,0.8);
  border-color: rgba(255,255,255,0.3);
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.6);
  color: var(--white);
}

/* ============================================================
   HERO
============================================================ */
.hero {
  min-height: 100vh;
  background:
    linear-gradient(135deg, rgba(30,0,90,0.88) 0%, rgba(13,0,37,0.82) 100%),
    url('../images/hero-bg.jpg') center center / cover no-repeat;
  background-color: var(--vd);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 130px 5% 100px;
  position: relative;
  overflow: hidden;
}

.hero-ring {
  position: absolute;
  border-radius: 50%;
  border: 1px solid rgba(100, 0, 230, 0.15);
  pointer-events: none;
}
.hero-ring.r1 {
  width: 720px; height: 720px;
  top: -160px; right: -200px;
  animation: spin 20s linear infinite;
}
.hero-ring.r2 {
  width: 480px; height: 480px;
  bottom: -100px; left: -130px;
  animation: spin 28s linear infinite reverse;
}
@keyframes spin {
  to { transform: rotate(360deg); }
}

.hero-inner {
  position: relative;
  z-index: 1;
  max-width: 860px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(100, 0, 230, 0.22);
  border: 1px solid rgba(100, 0, 230, 0.4);
  color: #CDB8FF;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 6px 16px;
  border-radius: 30px;
  margin-bottom: 28px;
}
.hero-badge::before {
  content: '';
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold);
  display: block;
}

h1.hero-title {
  font-family: 'Inter', sans-serif;
  font-size: clamp(2.4rem, 5.5vw, 4.2rem);
  font-weight: 800;
  line-height: 1.08;
  color: var(--white);
  margin-bottom: 22px;
}
h1.hero-title .accent { color: var(--vp); }

.hero-sub {
  font-size: clamp(0.97rem, 1.8vw, 1.15rem);
  color: rgba(255, 255, 255, 0.58);
  max-width: 580px;
  margin: 0 auto 38px;
  font-weight: 300;
}

.hero-btns {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

.hero-trust {
  display: flex;
  gap: 28px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 54px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.48);
}
.trust-dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--vp);
  flex-shrink: 0;
}

/* ============================================================
   PAGE HERO (pages secondaires)
============================================================ */
.page-hero {
  background: var(--vd);
  padding: 140px 5% 80px;
  text-align: center;
}
.page-hero h1 {
  font-family: 'Inter', sans-serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 16px;
}
.page-hero p {
  font-size: 1.02rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
}

/* ============================================================
   APR BAND
============================================================ */
.apr-band {
  padding: 36px 5%;
  background: var(--white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.apr-grid {
  max-width: 1160px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
.apr-card {
  background: var(--vl);
  border: 1px solid var(--vlm);
  border-radius: 14px;
  padding: 18px 20px;
}
.apr-label {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--vp);
  margin-bottom: 6px;
}
.apr-value {
  font-family: 'Inter', sans-serif;
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--vd);
  line-height: 1;
}
.apr-sub {
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: 4px;
  line-height: 1.5;
}
.apr-note {
  max-width: 1160px;
  margin: 14px auto 0;
  font-size: 0.73rem;
  color: var(--muted);
  line-height: 1.65;
}

/* ============================================================
   CHECKLIST
============================================================ */
.check-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 13px;
  margin: 26px 0 30px;
}
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  font-size: 0.96rem;
  color: var(--text);
}
.ck-icon {
  width: 21px; height: 21px;
  border-radius: 50%;
  background: var(--vp);
  color: var(--white);
  font-size: 0.65rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 3px;
}

/* ============================================================
   POŻYCZKI GRID
============================================================ */
.pz-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 15px;
  margin-top: 52px;
}
.pz-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  padding: 24px 20px;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
}
.pz-card .pz-btn { margin-top: auto; padding-top: 14px; }
.pz-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--vp);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}
.pz-card:hover::before { transform: scaleX(1); }
.pz-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 28px rgba(100,0,230,0.1);
  border-color: var(--vlm);
}
.pz-num {
  font-size: 0.67rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--vp);
  margin-bottom: 9px;
}
.pz-name {
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--vd);
  line-height: 1.3;
  margin-bottom: 7px;
}
.pz-desc {
  font-size: 0.81rem;
  color: var(--muted);
  line-height: 1.6;
}
.pz-range { display: none; }
.pz-btn {
  display: inline-block;
  margin-top: 14px;
  font-size: 0.78rem;
  font-weight: 600;
  padding: 8px 18px;
  border-radius: 20px;
  background: var(--vp);
  color: var(--white) !important;
  text-decoration: none;
  text-align: center;
  transition: background 0.2s;
}
.pz-btn:hover { background: var(--vm); }

/* ============================================================
   STEPS
============================================================ */
.steps-list {
  display: flex;
  flex-direction: column;
  gap: 26px;
  margin-top: 30px;
}
.step-row {
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.step-num {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--vp);
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-weight: 800;
  font-size: 1.05rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.step-body h3 {
  font-family: 'Inter', sans-serif;
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--vd);
  margin-bottom: 4px;
}
.step-body p {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.7;
}

/* ============================================================
   STATS
============================================================ */
.stats-band {
  background: var(--vd);
  padding: 72px 5%;
}
.stats-grid {
  max-width: 960px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  text-align: center;
}
.stat-item { padding: 26px 14px; }
.stat-val {
  font-family: 'Inter', sans-serif;
  font-size: 3rem;
  font-weight: 800;
  color: var(--vp);
  line-height: 1;
}
.stat-suf {
  font-family: 'Inter', sans-serif;
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--vp);
}
.stat-label {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
  margin-top: 10px;
  line-height: 1.5;
}

/* ============================================================
   BANNIERE REASSURANCE
============================================================ */
.banniere {
  background: var(--vp);
  padding: 80px 5%;
  text-align: center;
}
.banniere .inner { max-width: 740px; }
.banniere h2 {
  font-family: 'Inter', sans-serif;
  font-size: clamp(1.9rem, 3.5vw, 2.6rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.12;
  margin-bottom: 14px;
}
.banniere p {
  font-size: 1.02rem;
  color: rgba(255,255,255,0.76);
  margin-bottom: 34px;
}

/* ============================================================
   TRUST BADGES
============================================================ */
.trust-items {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 28px;
}
.trust-badge {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  background: var(--vl);
  border: 1px solid var(--vlm);
  border-radius: 14px;
  padding: 18px 20px;
}
.tb-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--vp);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.tb-icon svg { width: 22px; height: 22px; }
.trust-badge h4 {
  font-family: 'Inter', sans-serif;
  font-size: 0.93rem;
  font-weight: 700;
  color: var(--vd);
  margin-bottom: 3px;
}
.trust-badge p {
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.65;
}

/* ============================================================
   OPINIE
============================================================ */
.opinie-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 52px;
}
.op-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  padding: 26px 22px;
  transition: transform 0.25s, box-shadow 0.25s;
}
.op-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 28px rgba(100,0,230,0.09);
}
.op-stars {
  color: var(--gold);
  font-size: 0.88rem;
  letter-spacing: 2px;
  margin-bottom: 13px;
}
.op-text {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.75;
  font-style: italic;
  margin-bottom: 18px;
}
.op-author {
  display: flex;
  align-items: center;
  gap: 11px;
}
.op-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--vp);
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.op-name {
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--vd);
}
.op-loc {
  font-size: 0.77rem;
  color: var(--muted);
}

/* ============================================================
   FAQ
============================================================ */
.faq-layout {
  display: grid;
  grid-template-columns: 1fr 1.45fr;
  gap: 72px;
  align-items: start;
}
.faq-img-block {
  border-radius: var(--radius-card);
  overflow: hidden;
  aspect-ratio: 3 / 4;
  background: var(--vl);
  position: relative;
}
.faq-img-block img { border-radius: 0; position: relative; z-index: 1; }
.faq-img-block .img-ph {
  position: absolute;
  inset: 0;
  display: none;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: linear-gradient(135deg, var(--vl), var(--vlm));
  z-index: 0;
}
.faq-img-block .img-ph span {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--vm);
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.faq-item {
  border: 1px solid var(--border);
  border-radius: 13px;
  overflow: hidden;
  transition: border-color 0.2s;
}
.faq-item.open { border-color: var(--vlm); }
.faq-q {
  width: 100%;
  background: none;
  border: none;
  padding: 17px 20px;
  text-align: left;
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 0.91rem;
  font-weight: 600;
  color: var(--vd);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  line-height: 1.4;
}
.faq-q:hover { color: var(--vp); }
.faq-icon {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--vl);
  color: var(--vp);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  font-weight: 700;
  flex-shrink: 0;
  line-height: 1;
  transition: transform 0.25s, background 0.22s, color 0.22s;
}
.faq-item.open .faq-icon {
  transform: rotate(45deg);
  background: var(--vp);
  color: var(--white);
}
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
  font-size: 0.87rem;
  color: var(--muted);
  line-height: 1.75;
}
.faq-item.open .faq-a { max-height: 320px; }
.faq-a-inner { padding: 0 20px 17px; }

/* ============================================================
   CTA FINAL
============================================================ */
.cta-final {
  background: var(--vd);
  padding: 90px 5%;
  text-align: center;
}
.cta-final h2 {
  font-family: 'Inter', sans-serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 13px;
}
.cta-final p {
  font-size: 1.02rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 36px;
}
.cta-badges {
  display: flex;
  gap: 22px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 26px;
}
.cta-badge {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.79rem;
  color: rgba(255,255,255,0.45);
}
.cta-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--vp);
}

/* ============================================================
   FOOTER
============================================================ */
footer {
  background: var(--dark);
  padding: 64px 5% 28px;
  border-top: 1px solid rgba(100,0,230,0.18);
}
.footer-inner { max-width: 1160px; margin: 0 auto; }
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 56px;
  margin-bottom: 42px;
}
.footer-logo {
  font-family: 'Inter', sans-serif;
  font-weight: 800;
  font-size: 1.02rem;
  color: var(--white);
  margin-bottom: 13px;
}
.footer-logo span { color: var(--vp); }
.footer-desc {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.38);
  line-height: 1.7;
  max-width: 300px;
  margin-bottom: 20px;
}
.footer-contact {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
  margin-bottom: 7px;
}
.footer-contact a {
  color: rgba(255,255,255,0.4);
  text-decoration: none;
  transition: color 0.2s;
}
.footer-contact a:hover { color: var(--vp); }
.footer-col h4 {
  font-family: 'Inter', sans-serif;
  font-size: 0.87rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 15px;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 8px; }
.footer-col a {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.38);
  text-decoration: none;
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--vp); }
.footer-legal {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.22);
  line-height: 1.65;
  border-top: 1px solid rgba(255,255,255,0.07);
  padding-top: 18px;
  margin-bottom: 16px;
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  border-top: 1px solid rgba(255,255,255,0.07);
  padding-top: 18px;
}
.footer-bottom p {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.22);
}

/* ============================================================
   SIMULATEUR / KALKULATOR
============================================================ */
.sim-section {
  background: var(--vd);
  position: relative;
  overflow: hidden;
}
.sim-section::before {
  content: '';
  position: absolute;
  top: -200px; left: 50%;
  transform: translateX(-50%);
  width: 900px; height: 900px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(100,0,230,0.18) 0%, transparent 70%);
  pointer-events: none;
}
.sim-section .eyebrow { color: #C4A0FF; }
.sim-section h2.stitle { color: var(--white); }
.sim-section .slead { color: rgba(255,255,255,0.55); }

.sim-panel {
  position: relative;
  z-index: 1;
  margin-top: 56px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(100,0,230,0.3);
  border-radius: 24px;
  padding: 48px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
  backdrop-filter: blur(20px);
}

.sim-controls {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.sim-field-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 12px;
}

.sim-input-wrap {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.06);
  border: 1.5px solid rgba(100,0,230,0.4);
  border-radius: 14px;
  padding: 14px 20px;
  transition: border-color 0.2s, background 0.2s;
}
.sim-input-wrap:focus-within {
  border-color: var(--vp);
  background: rgba(100,0,230,0.12);
}
.sim-input {
  flex: 1;
  background: none;
  border: none;
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 1.6rem;
  font-weight: 700;
  width: 100%;
  outline: none;
  -moz-appearance: textfield;
}
.sim-input::-webkit-outer-spin-button,
.sim-input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
.sim-input::placeholder { color: rgba(255,255,255,0.25); }

.sim-unit {
  font-size: 0.95rem;
  color: #C4A0FF;
  font-weight: 600;
  flex-shrink: 0;
}

.sim-field-hint {
  display: block;
  margin-top: 8px;
  font-size: 0.74rem;
  color: rgba(255,255,255,0.35);
}

/* Resultat */
.sim-result {
  position: relative;
  background: linear-gradient(160deg, rgba(100,0,230,0.35), rgba(74,0,170,0.15));
  border: 1px solid rgba(100,0,230,0.5);
  border-radius: 20px;
  padding: 36px 32px;
  overflow: hidden;
}
.sim-result-glow {
  position: absolute;
  top: -40%; right: -20%;
  width: 260px; height: 260px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(168,85,247,0.35) 0%, transparent 70%);
  pointer-events: none;
  animation: sim-pulse 3.5s ease-in-out infinite;
}
@keyframes sim-pulse {
  0%, 100% { opacity: 0.6; transform: scale(1); }
  50% { opacity: 1; transform: scale(1.15); }
}

.sim-result-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  position: relative;
  z-index: 1;
  margin-bottom: 14px;
}
.sim-result-label {
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.5);
}
.sim-result-rate {
  font-size: 0.74rem;
  font-weight: 700;
  background: rgba(255,255,255,0.12);
  padding: 4px 10px;
  border-radius: 20px;
  color: var(--white);
}

.sim-result-main {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: baseline;
  gap: 10px;
  margin-bottom: 28px;
}
.sim-result-number {
  font-family: 'Inter', sans-serif;
  font-size: 3.6rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  font-variant-numeric: tabular-nums;
  transition: transform 0.15s ease;
}
.sim-result-number.bump { transform: scale(1.06); }
.sim-result-currency {
  font-size: 1.05rem;
  font-weight: 500;
  color: rgba(255,255,255,0.5);
}

.sim-result-breakdown {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 20px 0;
  border-top: 1px solid rgba(255,255,255,0.12);
  border-bottom: 1px solid rgba(255,255,255,0.12);
  margin-bottom: 24px;
}
.sim-breakdown-item {
  display: flex;
  justify-content: space-between;
  font-size: 0.88rem;
}
.sim-breakdown-label { color: rgba(255,255,255,0.5); }
.sim-breakdown-value {
  color: var(--white);
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}
.sim-breakdown-total .sim-breakdown-label,
.sim-breakdown-total .sim-breakdown-value {
  color: var(--white);
  font-weight: 700;
}

.sim-cta {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  text-align: center;
  margin-bottom: 14px;
}

.sim-disclaimer {
  position: relative;
  z-index: 1;
  font-size: 0.72rem;
  color: rgba(255,255,255,0.4);
  line-height: 1.6;
  text-align: center;
}

/* ============================================================
   LOAN DETAIL (page pożyczki)
============================================================ */
.loan-detail {
  scroll-margin-top: 96px;
  max-width: 760px;
  margin: 0 auto;
  padding: 56px 0;
}
.loan-detail-head {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 20px;
}
.loan-detail-num {
  font-family: 'Inter', sans-serif;
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--vlm);
  line-height: 1;
  flex-shrink: 0;
}
.loan-detail-title {
  font-family: 'Inter', sans-serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--vd);
  line-height: 1.2;
}
.loan-detail-range {
  display: inline-block;
  margin-top: 6px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--vp);
  background: var(--vl);
  padding: 4px 12px;
  border-radius: 20px;
}
.loan-detail-text {
  font-size: 0.97rem;
  color: var(--muted);
  line-height: 1.8;
  margin-bottom: 28px;
}
.loan-detail-fits {
  background: var(--light-bg);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px 28px;
  margin-bottom: 28px;
}
.loan-detail-fits-label {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--vp);
  margin-bottom: 14px;
}
.loan-detail-fits .check-list { margin: 0; }
.loan-detail-divider {
  max-width: 760px;
  margin: 0 auto;
  border-top: 1px solid var(--border);
}

/* ============================================================
   OPINIE FILTERS (page opinie)
============================================================ */
.opinie-filters {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
  margin: 40px 0 8px;
}
.opinie-filter-btn {
  background: var(--vl);
  border: 1px solid var(--vlm);
  color: var(--vm);
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 0.82rem;
  font-weight: 600;
  padding: 9px 18px;
  border-radius: 22px;
  cursor: pointer;
  transition: all 0.2s;
}
.opinie-filter-btn:hover {
  background: var(--vlm);
}
.opinie-filter-btn.active {
  background: var(--vp);
  border-color: var(--vp);
  color: var(--white);
}
.opinie-grid-full {
  grid-template-columns: repeat(3, 1fr);
  margin-top: 44px;
}
.op-card.hidden { display: none; }
.opinie-empty {
  text-align: center;
  color: var(--muted);
  font-size: 0.92rem;
  margin-top: 40px;
}

/* ============================================================
   LEGAL PAGES (regulamin, prywatnosc, cookies, rrso)
============================================================ */
.legal-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 64px;
  align-items: start;
  max-width: 1100px;
  margin: 0 auto;
}
.legal-toc {
  position: sticky;
  top: 96px;
  background: var(--light-bg);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px 22px;
}
.legal-toc-title {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--vp);
  margin-bottom: 14px;
}
.legal-toc ul { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.legal-toc a {
  font-size: 0.84rem;
  color: var(--muted);
  text-decoration: none;
  line-height: 1.5;
  transition: color 0.2s;
}
.legal-toc a:hover { color: var(--vp); }

.legal-content { max-width: 700px; }
.legal-updated {
  font-size: 0.8rem;
  color: var(--muted);
  margin-bottom: 40px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--border);
}
.legal-section {
  scroll-margin-top: 96px;
  margin-bottom: 44px;
}
.legal-section h2 {
  font-family: 'Inter', sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--vd);
  margin-bottom: 14px;
}
.legal-section h3 {
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--vd);
  margin: 20px 0 10px;
}
.legal-section p {
  font-size: 0.92rem;
  color: var(--muted);
  line-height: 1.8;
  margin-bottom: 14px;
}
.legal-section ul, .legal-section ol {
  margin: 0 0 14px 22px;
}
.legal-section li {
  font-size: 0.92rem;
  color: var(--muted);
  line-height: 1.8;
  margin-bottom: 6px;
}
.legal-section strong { color: var(--text); font-weight: 600; }
.legal-table {
  width: 100%;
  border-collapse: collapse;
  margin: 16px 0 20px;
  font-size: 0.88rem;
}
.legal-table th, .legal-table td {
  text-align: left;
  padding: 10px 14px;
  border: 1px solid var(--border);
}
.legal-table th {
  background: var(--vl);
  color: var(--vd);
  font-weight: 600;
}
.legal-table td { color: var(--muted); }

/* ============================================================
   FORM SYSTEM (kontakt, wniosek)
============================================================ */
.form-box-light {
  background: var(--light-bg);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 36px 32px;
}
.form-box-title {
  font-family: 'Inter', sans-serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--vd);
  margin-bottom: 22px;
}
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 7px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 12px 15px;
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 0.92rem;
  color: var(--text);
  outline: none;
  transition: border-color 0.2s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--vp);
}
.form-group textarea { resize: vertical; min-height: 110px; }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.8rem;
  color: var(--muted);
  line-height: 1.6;
  margin: 18px 0;
  cursor: pointer;
}
.form-checkbox input[type="checkbox"] {
  width: 17px; height: 17px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--vp);
}
.form-error {
  background: #FDECEC;
  border: 1px solid #F5B5B5;
  color: #B42318;
  font-size: 0.85rem;
  padding: 12px 16px;
  border-radius: 10px;
  margin-bottom: 20px;
}
.form-success {
  text-align: center;
  padding: 24px 12px;
}
.form-success-icon {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--vp);
  color: var(--white);
  font-size: 1.6rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
}
.form-success h3 {
  font-family: 'Inter', sans-serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--vd);
  margin-bottom: 8px;
}
.form-success p {
  font-size: 0.9rem;
  color: var(--muted);
}

@media (max-width: 480px) {
  .form-row { grid-template-columns: 1fr; }
}

/* ============================================================
   WNIOSEK FORM (page wniosek)
============================================================ */
.wn-block {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 32px 30px;
  margin-bottom: 20px;
}
.wn-step-label {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--vp);
  background: var(--vl);
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.wn-block-title {
  font-family: 'Inter', sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--vd);
  margin-bottom: 18px;
}
.wn-block-sub {
  font-size: 0.88rem;
  color: var(--muted);
  margin: -10px 0 18px;
}
.wn-hint {
  font-size: 0.82rem;
  color: var(--vm);
  background: var(--vl);
  border-radius: 10px;
  padding: 12px 16px;
  margin-top: 4px;
  line-height: 1.6;
}

/* Toggle Osoba / Firma */
.wn-type-toggle {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.wn-type-btn {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--light-bg);
  border: 2px solid var(--border);
  border-radius: 16px;
  padding: 18px 20px;
  cursor: pointer;
  text-align: left;
  transition: all 0.2s;
  font-family: 'Bricolage Grotesque', sans-serif;
}
.wn-type-btn:hover { border-color: var(--vlm); }
.wn-type-btn.active {
  background: var(--vl);
  border-color: var(--vp);
  box-shadow: 0 4px 16px rgba(100,0,230,0.15);
}
.wn-type-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--vlm);
  color: var(--vm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.2s, color 0.2s;
}
.wn-type-icon svg { width: 22px; height: 22px; }
.wn-type-btn.active .wn-type-icon {
  background: var(--vp);
  color: var(--white);
}
.wn-type-text { display: flex; flex-direction: column; gap: 2px; }
.wn-type-text strong {
  font-size: 0.95rem;
  color: var(--vd);
  font-weight: 700;
}
.wn-type-text small {
  font-size: 0.78rem;
  color: var(--muted);
}

/* Cartes situation */
.wn-checks-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.wn-check-card {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--light-bg);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 16px 18px;
  cursor: pointer;
  font-size: 0.87rem;
  color: var(--text);
  transition: all 0.2s;
  position: relative;
}
.wn-check-card input { position: absolute; opacity: 0; width: 0; height: 0; }
.wn-check-mark {
  width: 22px; height: 22px;
  border-radius: 7px;
  border: 2px solid var(--vlm);
  background: var(--white);
  flex-shrink: 0;
  position: relative;
  transition: all 0.2s;
}
.wn-check-card input:checked ~ .wn-check-mark {
  background: var(--vp);
  border-color: var(--vp);
}
.wn-check-card input:checked ~ .wn-check-mark::after {
  content: '';
  position: absolute;
  left: 6px; top: 2px;
  width: 6px; height: 11px;
  border: solid white;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}
.wn-check-card:has(input:checked) {
  border-color: var(--vp);
  background: var(--vl);
}

.wn-submit-btn {
  width: 100%;
  font-size: 1.02rem;
  padding: 16px;
  margin-bottom: 20px;
}

.wn-trust-box {
  background: var(--vl);
  border: 1px solid var(--vlm);
  border-radius: 14px;
  padding: 18px 22px;
}
.wn-trust-box p {
  font-size: 0.85rem;
  color: var(--vm);
  line-height: 1.7;
  margin: 0;
}

@media (max-width: 660px) {
  .wn-type-toggle { grid-template-columns: 1fr; }
  .wn-checks-grid { grid-template-columns: 1fr; }
  .wn-block { padding: 24px 20px; }
}

/* ============================================================
   MODAL SUCCESS POPUP
============================================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(13, 0, 16, 0.6);
  backdrop-filter: blur(4px);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.modal-overlay.open {
  display: flex;
}
.modal-box {
  background: var(--white);
  border-radius: 20px;
  padding: 40px 36px;
  max-width: 420px;
  width: 100%;
  text-align: center;
  animation: modalPop 0.3s cubic-bezier(0.34, 1.56, 0.64, 1) both;
}
@keyframes modalPop {
  from { opacity: 0; transform: scale(0.9) translateY(10px); }
  to { opacity: 1; transform: scale(1) translateY(0); }
}
.modal-icon {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--vp);
  color: var(--white);
  font-size: 1.8rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 8px 24px rgba(100,0,230,0.3);
}
.modal-box h3 {
  font-family: 'Inter', sans-serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--vd);
  margin-bottom: 10px;
}
.modal-box p {
  font-size: 0.92rem;
  color: var(--muted);
  margin-bottom: 26px;
  line-height: 1.6;
}

/* ============================================================
   DZIĘKUJEMY (thank you page)
============================================================ */
.dziekujemy-box {
  text-align: center;
  padding: 16px 0 80px;
}
.dziekujemy-icon {
  width: 76px; height: 76px;
  border-radius: 50%;
  background: var(--vp);
  color: var(--white);
  font-size: 2.2rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 28px;
  box-shadow: 0 10px 30px rgba(100,0,230,0.3);
}
.dziekujemy-title {
  font-family: 'Inter', sans-serif;
  font-size: clamp(1.6rem, 3.5vw, 2.2rem);
  font-weight: 800;
  color: var(--vd);
  margin-bottom: 16px;
}
.dziekujemy-text {
  font-size: 1rem;
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: 32px;
}
.dziekujemy-info {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  text-align: left;
  background: var(--vl);
  border: 1px solid var(--vlm);
  border-radius: 16px;
  padding: 22px 24px;
  margin-bottom: 32px;
}
.dziekujemy-info-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: var(--vp);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.dziekujemy-info-icon svg { width: 20px; height: 20px; }
.dziekujemy-info strong {
  display: block;
  color: var(--vd);
  font-size: 0.95rem;
  margin-bottom: 6px;
}
.dziekujemy-info p {
  font-size: 0.87rem;
  color: var(--vm);
  line-height: 1.6;
  margin: 0;
}
.dziekujemy-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ============================================================
   RESPONSIVE
============================================================ */
@media (max-width: 1024px) {
  .pz-grid { grid-template-columns: repeat(3, 1fr); }
  .apr-grid { grid-template-columns: repeat(2, 1fr); }
  .opinie-grid-full { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 860px) {
  .two-col {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .two-col .img-block:last-child { order: -1; }
  .opinie-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .faq-layout { grid-template-columns: 1fr; }
  .faq-img-block { aspect-ratio: 16/7; }
  .pz-grid { grid-template-columns: repeat(2, 1fr); }
  .sim-panel { grid-template-columns: 1fr; gap: 36px; padding: 32px 24px; }
  .sim-result-number { font-size: 2.8rem; }
  .legal-layout { grid-template-columns: 1fr; gap: 32px; }
  .legal-toc { position: static; }
}

@media (max-width: 660px) {
  .nav-pills-wrap { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }
  .nav-pills-wrap.open {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    position: absolute;
    top: 72px; left: 0; right: 0;
    background: var(--white);
    padding: 12px 5%;
    border-bottom: 1px solid var(--border);
    border-radius: 0;
    gap: 3px;
    z-index: 998;
  }
  .nav-pills-wrap.open a { width: 100%; text-align: center; }
  .nav-cta-mobile {
    display: block;
    width: 100%;
    text-align: center;
    background: var(--vp);
    color: var(--white) !important;
    padding: 11px 18px;
    border-radius: 22px;
    font-size: 0.85rem;
    font-weight: 600;
    text-decoration: none;
    margin-top: 8px;
  }
  .footer-top { grid-template-columns: 1fr; }
  .apr-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-trust { gap: 16px; }
}

@media (max-width: 420px) {
  .pz-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (prefers-reduced-motion: reduce) {
  .si, .si-r, .si-up { transition: none; opacity: 1; transform: none; }
}