/* ============================================================
   finansujDom.pl — Etap 2 — wspólny arkusz stylów (szkielet)
   Tokeny ZSYNCHRONIZOWANE z obecną marką (nie placeholdery z makiety):
   granat #0A0F1E, złoto #C49A0F, nagłówki Playfair Display, tekst DM Sans.
   ============================================================ */
:root{
  --navy:#0A0F1E;
  --navy-2:#111827;
  --gold:#C49A0F;
  --gold-dark:#976F00;
  --gold-light:#FBF3D2;
  --ink:#1C1C1C;
  --muted:#4A4A4A;
  --muted-2:#888888;
  --bg:#ffffff;
  --cream:#FAF7F1;          /* złamana biel (kremowe tła sekcji) */
  --line:#E5E7EB;
  --ok:#1E7F4F;
  --radius:14px;
  --serif:'Playfair Display',Georgia,serif;
  --sans:'DM Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6}
h1,h2,h3,h4,h5{font-family:var(--serif);color:var(--navy);line-height:1.22;font-weight:600}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.center{text-align:center}
section{padding:66px 0}
.eyebrow{display:block;font-family:var(--sans);font-size:12.5px;font-weight:700;letter-spacing:2.6px;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.cream-bg{background:var(--cream)}

/* --- przyciski --- */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:#fff;border:none;border-radius:6px;padding:12px 24px;font-size:15px;font-weight:700;text-decoration:none;cursor:pointer;font-family:var(--sans);transition:background .2s,transform .2s}
.btn:hover{background:var(--gold-dark);transform:translateY(-1px)}
.btn.ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn.ghost:hover{background:var(--cream);transform:none}
.btn.ghost.on-dark{color:#fff;border-color:rgba(255,255,255,.55)}
.btn.ghost.on-dark:hover{background:rgba(255,255,255,.08)}
.btn.sm{padding:9px 18px;font-size:14px}

/* --- header sticky --- */
header.site{position:sticky;top:0;background:rgba(255,255,255,.97);backdrop-filter:blur(6px);border-bottom:1px solid var(--line);z-index:60}
.nav{display:flex;align-items:center;gap:24px;height:68px}
.nav .logo{font-family:var(--serif);font-size:21px;font-weight:700;color:var(--navy)}
.nav .logo span{color:var(--gold-dark)}
.nav a.item{color:var(--ink);font-size:14.5px;white-space:nowrap}
.nav a.item:hover,.nav a.item.active{color:var(--gold-dark)}
.nav a.join{font-weight:600}            /* „Dołącz do nas" — pogrubione, kolor standardowy (NIE złoty) */
.nav .spacer{flex:1}
.nav .phone{color:var(--navy);font-weight:600;font-size:14.5px;white-space:nowrap}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px;padding:8px}
.nav-toggle span{width:24px;height:2px;background:var(--navy);display:block}

/* --- sekcja „w budowie" (stub) --- */
.stub{padding:96px 0;text-align:center;background:var(--cream)}
.stub h1{font-size:38px;margin-bottom:16px}
.stub-note{color:var(--muted);max-width:640px;margin:0 auto 8px}
.stub-sub{color:var(--muted-2);font-size:14px}

/* --- footer --- */
footer.site{background:var(--navy);color:#aebccb;padding:56px 0 30px;font-size:13.5px}
footer.site h4{color:#fff;font-size:14px;margin-bottom:12px;font-family:var(--sans)}
footer.site a{color:#aebccb;display:block;margin-bottom:8px}
footer.site a:hover{color:var(--gold)}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:34px;margin-bottom:34px}
.flogo{font-family:var(--serif);font-size:19px;color:#fff}
.flogo span{color:var(--gold)}
.legal{border-top:1px solid rgba(255,255,255,.14);padding-top:22px;font-size:12.5px;color:#8698ab;line-height:1.7}

/* --- responsywność --- */
@media(max-width:900px){
  .fgrid{grid-template-columns:1fr 1fr}
  .nav a.item,.nav .phone{display:none}
  .nav-toggle{display:flex}
  .nav.open{flex-wrap:wrap;height:auto;padding-bottom:16px}
  .nav.open a.item,.nav.open .phone{display:block;width:100%;padding:8px 0;border-top:1px solid var(--line)}
  .nav.open .spacer{display:none}
}
@media(max-width:560px){
  .fgrid{grid-template-columns:1fr}
  .stub h1{font-size:30px}
}

/* ============================================================
   STRONA GŁÓWNA — komponenty (milestone 3)
   ============================================================ */
.sub{color:var(--muted);max-width:640px;margin:0 auto 38px;text-align:center}
h2{font-size:31px;margin-bottom:10px}

/* hero — ciemny, premium */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 78%);color:#fff;padding:84px 0 0;text-align:center;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:auto 0 0 0;height:1px;background:linear-gradient(90deg,transparent,rgba(196,154,15,.6),transparent)}
.hero h1{font-size:44px;max-width:800px;margin:0 auto 18px;color:#fff}
.hero p.lead{font-size:18px;color:#c3cfdc;max-width:650px;margin:0 auto 30px}
.hero .cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:16px}
.hero .call{font-size:14px;color:#9fb0c1;margin-bottom:46px}
.hero .call a{color:#fff;font-weight:700}
.trust{display:flex;justify-content:center;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.14);padding:26px 0 30px}
.trust div{padding:10px 30px;border-right:1px solid rgba(255,255,255,.14)}
.trust div:last-child{border-right:none}
.trust b{display:block;font-family:var(--serif);font-size:24px;color:var(--gold)}
.trust small{color:#aebccb;font-size:13px}

/* pasek logotypów banków */
.banks{padding:26px 0;border-bottom:1px solid var(--line);background:var(--bg)}
.banks .row{display:flex;gap:34px;justify-content:center;align-items:center;flex-wrap:wrap;opacity:.6}
.banklogo{font-weight:700;color:var(--muted);font-size:15px;letter-spacing:.3px}

/* kafelki „w czym pomagamy" */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;display:flex;flex-direction:column}
.ico{width:46px;height:46px;border-radius:50%;border:1.5px solid var(--gold);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.ico svg{width:22px;height:22px;stroke:var(--gold-dark);fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.tile h3{font-size:18px;margin-bottom:8px}
.tile p{font-size:14px;color:var(--muted);flex:1}
.tile a.more{color:var(--gold-dark);font-weight:700;font-size:14px;margin-top:14px}

/* organizacja i zasięg */
.duo{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 32px;display:grid;grid-template-columns:1fr 1fr;gap:30px;margin-bottom:26px}
.duo h3{font-size:18px;margin-bottom:8px}
.duo p{font-size:14px;color:var(--muted)}
.experts{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.exp{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;text-align:center}
.exp .ico{margin:0 auto 14px;width:52px;height:52px}
.exp .ico svg{width:24px;height:24px}
.exp h3{font-size:17px}
.exp .spec{color:var(--gold-dark);font-size:12px;font-weight:700;letter-spacing:1.4px;text-transform:uppercase;margin:4px 0 10px}
.exp p{font-size:13.5px;color:var(--muted)}

/* program private banking */
.care{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#fff;border-radius:20px;padding:58px 52px;position:relative}
.care::before{content:"";position:absolute;top:0;left:52px;right:52px;height:1px;background:linear-gradient(90deg,transparent,rgba(196,154,15,.7),transparent)}
.care h2{color:#fff}
.care .tag{display:inline-block;color:var(--gold);font-size:12.5px;font-weight:700;letter-spacing:2.6px;margin-bottom:16px;text-transform:uppercase}
.care p.lead{color:#c3cfdc;max-width:620px;margin-bottom:32px}
.care .cols{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.care .col{background:rgba(255,255,255,.05);border:1px solid rgba(196,154,15,.28);border-radius:12px;padding:22px}
.care .col h3{color:var(--gold);font-size:16.5px;margin-bottom:6px}
.care .col p{color:#b3c1cf;font-size:13.5px}

/* kroki współpracy */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:step}
.step{position:relative;padding:28px 22px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.step::before{counter-increment:step;content:counter(step);position:absolute;top:-17px;left:20px;width:34px;height:34px;border-radius:50%;background:var(--navy);border:1.5px solid var(--gold);color:var(--gold);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:15px;font-family:var(--serif)}
.step h3{font-size:17px;margin:6px 0 8px}
.step p{font-size:14px;color:var(--muted)}

/* case study */
.case{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:var(--radius);padding:32px;display:grid;grid-template-columns:1fr 1fr;gap:28px}
.case h3{font-size:20px;margin-bottom:10px}
.case .kpi{font-family:var(--serif);font-size:32px;font-weight:700;color:var(--ok)}
.case p{font-size:14.5px;color:var(--muted);margin-bottom:10px}
.case .label{font-size:11.5px;font-weight:700;letter-spacing:1.8px;color:var(--gold-dark);text-transform:uppercase;margin-bottom:6px}
.disclaimer{font-size:12.5px;color:var(--muted);margin-top:14px}

/* formularz skrócony */
.form{max-width:560px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:36px}
.progress{display:flex;gap:8px;margin-bottom:24px}
.progress i{flex:1;height:4px;border-radius:4px;background:var(--line)}
.progress i.on{background:var(--gold)}
.form label{display:block;font-size:13.5px;font-weight:700;color:var(--navy);margin:14px 0 6px}
.form select,.form input{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:8px;font-size:15px;color:var(--ink);background:#fff;font-family:var(--sans)}
.form .btn{width:100%;margin-top:20px;justify-content:center}
.form .hint{font-size:12.5px;color:var(--muted);margin-top:16px}
.form .hint a{color:var(--navy);text-decoration:underline}
.reassure{text-align:center;font-size:13.5px;color:var(--muted);max-width:520px;margin:18px auto 0}
.form-step{display:none}
.form-step.on{display:block}

/* dołącz do zespołu */
.join-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:30px}
.join-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px;font-size:14px;color:var(--muted)}
.join-card b{color:var(--navy);display:block;margin-bottom:4px}

/* opinie (ukryte do czasu ~10 realnych opinii Google) */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}

@media(max-width:900px){
  .tiles,.experts,.steps,.care .cols,.join-grid,.reviews{grid-template-columns:repeat(2,1fr)}
  .case,.duo{grid-template-columns:1fr}
  .hero h1{font-size:32px}
}
@media(max-width:560px){
  .tiles,.experts,.steps,.care .cols,.join-grid,.reviews{grid-template-columns:1fr}
}