/* ==========================================================
   Ogarniam Kredyty – style
   ETAP 3: kolory i czcionki zmieniamy TYLKO w :root poniżej.
   ========================================================== */
:root {
  --kolor-glowny: #309bfc;      /* przyciski, akcenty – do zmiany */
  --kolor-glowny-tekst: #ffffff;
  --kolor-tekst: #0f2a44;
  --kolor-tekst-slaby: #4a6680;
  --kolor-tlo: #ffffff;
  --kolor-tlo-szare: #eef6ff;
  --kolor-ramka: #cfe4fb;
  --kolor-blad: #b3261e;
  --kolor-sukces: #1e6b34;

  --font-tekst: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font-naglowki: var(--font-tekst);

  --promien: 12px;
  --szer-max: 1140px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  margin: 0;
  font-family: var(--font-tekst);
  font-size: 17px;
  line-height: 1.6;
  color: var(--kolor-tekst);
  background: var(--kolor-tlo);
}
h1, h2, h3, h4 { font-family: var(--font-naglowki); line-height: 1.2; margin: 0 0 .5em; }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.3rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }
a { color: inherit; }
img { max-width: 100%; height: auto; display: block; }

.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 16px; z-index: 100; background: #fff; padding: 8px 12px; }

.kontener { width: 100%; max-width: var(--szer-max); margin: 0 auto; padding: 0 16px; }
.kontener--waski { max-width: 760px; }
.sekcja { padding: 72px 0; }
.sekcja--szara { background: var(--kolor-tlo-szare); }
.srodek { text-align: center; margin-top: 32px; }
.nadtytul { text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; font-weight: 700; color: var(--kolor-tekst-slaby); margin-bottom: .5em; }
.lead { font-size: 1.15rem; color: var(--kolor-tekst-slaby); }
.drobny { font-size: .9rem; color: var(--kolor-tekst-slaby); }

/* Przyciski */
.btn {
  display: inline-block; border: 2px solid var(--kolor-glowny); cursor: pointer;
  background: var(--kolor-glowny); color: var(--kolor-glowny-tekst);
  font: inherit; font-weight: 700; text-decoration: none;
  padding: 14px 24px; border-radius: var(--promien); text-align: center;
}
.btn:hover { opacity: .9; }
.btn--drugi { background: transparent; color: var(--kolor-glowny); }
.btn--maly { padding: 8px 16px; font-size: .95rem; }
.przyciski { display: flex; flex-wrap: wrap; gap: 12px; margin: 24px 0 12px; }
:focus-visible { outline: 3px solid var(--kolor-glowny); outline-offset: 2px; }

/* Nagłówek */
.naglowek { position: sticky; top: 0; z-index: 50; background: var(--kolor-tlo); border-bottom: 1px solid var(--kolor-ramka); }
.naglowek__wnetrze { display: flex; align-items: center; justify-content: space-between; min-height: 68px; gap: 16px; }
.logo { font-weight: 800; font-size: 1.2rem; text-decoration: none; display: flex; flex-direction: column; line-height: 1.1; margin: 0; }
.logo small { font-weight: 500; font-size: .8rem; color: var(--kolor-tekst-slaby); }
.menu { display: flex; align-items: center; gap: 24px; }
.menu a:not(.btn) { text-decoration: none; font-weight: 600; }
.menu-przycisk { display: none; font: inherit; font-weight: 700; background: none; border: 2px solid var(--kolor-ramka); border-radius: var(--promien); padding: 6px 14px; cursor: pointer; }

/* Hero */
.hero { padding: 56px 0 40px; }
.hero__siatka { display: grid; grid-template-columns: 1.2fr 1fr; gap: 48px; align-items: center; }
.zdjecie-miejsce {
  aspect-ratio: 4 / 5; background: var(--kolor-tlo-szare); border: 2px dashed var(--kolor-ramka);
  border-radius: var(--promien); display: grid; place-items: center; text-align: center; color: var(--kolor-tekst-slaby);
}
.pasek-zaufania { list-style: none; padding: 0; margin: 48px 0 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }
.pasek-zaufania li { background: var(--kolor-tlo-szare); border-radius: var(--promien); padding: 16px; font-size: .95rem; }
.pasek-zaufania strong { display: block; font-size: 1.3rem; }

/* Siatki i karty */
.siatka { display: grid; gap: 20px; margin-top: 32px; }
.siatka--2 { grid-template-columns: repeat(2, 1fr); }
.siatka--3 { grid-template-columns: repeat(3, 1fr); }
.siatka--4 { grid-template-columns: repeat(4, 1fr); }
.karta { background: var(--kolor-tlo); border: 1px solid var(--kolor-ramka); border-radius: var(--promien); padding: 24px; display: flex; flex-direction: column; }
.karta p:last-child { margin-bottom: 0; }
.karta ul { padding-left: 1.1em; margin: 0 0 16px; }
.karta > a { margin-top: auto; font-weight: 700; }
.karta--plaska { background: transparent; border: 0; padding: 0; }
.sekcja--szara .karta { border-color: transparent; }

/* O mnie */
.o-mnie { display: grid; grid-template-columns: 1fr 1.4fr; gap: 48px; align-items: center; }
.lista-ptaszki { list-style: none; padding: 0; }
.lista-ptaszki li { padding-left: 1.6em; position: relative; margin-bottom: .4em; }
.lista-ptaszki li::before { content: "✓"; position: absolute; left: 0; font-weight: 800; }

/* Kroki */
.kroki { list-style: none; padding: 0; counter-reset: k; display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 32px; }
.kroki li { counter-increment: k; position: relative; padding-top: 52px; }
.kroki li::before {
  content: counter(k); position: absolute; top: 0; left: 0; width: 40px; height: 40px; border-radius: 50%;
  background: var(--kolor-glowny); color: var(--kolor-glowny-tekst); display: grid; place-items: center; font-weight: 800;
}

/* Finli */
.finli { margin-top: 32px; padding: 28px; border-radius: var(--promien); background: var(--kolor-tlo); border: 2px solid var(--kolor-glowny); display: flex; gap: 24px; align-items: center; justify-content: space-between; }
.finli p { margin: 0; color: var(--kolor-tekst-slaby); }
.finli .btn { flex-shrink: 0; }

/* Opinie */

/* FAQ */
details { background: var(--kolor-tlo); border-radius: var(--promien); padding: 16px 20px; margin-top: 12px; }
summary { font-weight: 700; cursor: pointer; }
details p { margin: 12px 0 0; }

/* Formularz */
.formularz { margin-top: 32px; border: 1px solid var(--kolor-ramka); border-radius: var(--promien); padding: 28px; }
.formularz fieldset { border: 0; padding: 0; margin: 0; }
.formularz legend { font-size: 1.3rem; font-weight: 800; margin-bottom: 8px; padding: 0; }
.formularz__kroki { list-style: none; padding: 0; margin: 0 0 24px; display: flex; gap: 8px; font-size: .85rem; font-weight: 700; color: var(--kolor-tekst-slaby); }
.formularz__kroki li { flex: 1; border-top: 4px solid var(--kolor-ramka); padding-top: 6px; }
.formularz__kroki li.aktywny { border-color: var(--kolor-glowny); color: var(--kolor-tekst); }
.wybory { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin-bottom: 16px; }
.wybory label { display: flex; gap: 10px; align-items: center; border: 1px solid var(--kolor-ramka); border-radius: var(--promien); padding: 12px 14px; cursor: pointer; }
.wybory label:has(input:checked) { border-color: var(--kolor-glowny); background: var(--kolor-tlo-szare); }
.pole { display: block; font-weight: 600; margin-bottom: 16px; }
.pole input, .pole textarea, .pole select {
  display: block; width: 100%; margin-top: 6px; font: inherit; font-weight: 400;
  padding: 12px 14px; border: 1px solid var(--kolor-ramka); border-radius: var(--promien); background: var(--kolor-tlo);
}
.zgoda { display: flex; gap: 12px; align-items: flex-start; font-size: .85rem; color: var(--kolor-tekst-slaby); margin-bottom: 12px; }
.zgoda input { margin-top: 4px; flex-shrink: 0; width: 18px; height: 18px; }
.blad { color: var(--kolor-blad); font-size: .9rem; font-weight: 600; margin-top: -8px; }
.pulapka { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.formularz__wynik { font-size: 1.1rem; }
.formularz__wynik.ok { color: var(--kolor-sukces); }
.formularz__wynik.zle { color: var(--kolor-blad); }

/* Stopka */
.stopka { background: var(--kolor-tekst); color: #e9e9e9; padding: 56px 0 96px; font-size: .95rem; }
.stopka .logo small { color: #b5b5b5; }
.stopka__siatka { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
.stopka h4 { font-size: 1rem; }
.stopka__prawne { border-top: 1px solid #444; margin-top: 32px; padding-top: 24px; font-size: .8rem; color: #b5b5b5; }


/* Menu rozwijane */
.menu__grupa { position: relative; }
.menu__podmenu {
  display: none; position: absolute; top: 100%; left: -16px; min-width: 260px; padding: 12px 0;
  background: var(--kolor-tlo); border: 1px solid var(--kolor-ramka); border-radius: var(--promien); box-shadow: 0 8px 24px rgba(0,0,0,.08);
}
.menu__podmenu a { display: block; padding: 8px 16px; }
.menu__podmenu a:hover { background: var(--kolor-tlo-szare); }
.menu__grupa:hover .menu__podmenu, .menu__grupa:focus-within .menu__podmenu { display: block; }
.menu__grupa > .menu__rodzic::after { content: " ▾"; font-size: .8em; }

/* Podstrony */
.sekcja--waska { padding: 32px 0; }
.podstrona-hero { padding: 48px 0 40px; background: var(--kolor-tlo-szare); }
.okruszki { font-size: .85rem; color: var(--kolor-tekst-slaby); margin-bottom: 16px; }
.okruszki a { color: inherit; }
.tresc h2 { margin-top: 1.6em; }
.tresc ul, .tresc ol { padding-left: 1.2em; }
.tresc li { margin-bottom: .4em; }
.uwaga { border-left: 4px solid var(--kolor-glowny); background: var(--kolor-tlo-szare); padding: 16px 20px; border-radius: 0 var(--promien) var(--promien) 0; margin: 24px 0; }
.tabela { width: 100%; border-collapse: collapse; margin: 16px 0 24px; font-size: .95rem; }
.tabela th, .tabela td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--kolor-ramka); vertical-align: top; }
.tabela th { background: var(--kolor-tlo-szare); }
.przewijana { overflow-x: auto; }

/* Kalkulator */
.kalkulator { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-top: 24px; }
.kalkulator__pola, .kalkulator__wynik { border: 1px solid var(--kolor-ramka); border-radius: var(--promien); padding: 24px; }
.kalkulator__wynik { background: var(--kolor-tlo-szare); border-color: transparent; }
.kalkulator input[type=range] { width: 100%; margin-top: 8px; accent-color: var(--kolor-glowny); }
.kalkulator__rata { font-size: clamp(2rem, 6vw, 2.8rem); font-weight: 800; margin: 4px 0 16px; }
.kalkulator dl { display: grid; grid-template-columns: 1fr auto; gap: 8px 16px; margin: 0 0 20px; }
.kalkulator dt { color: var(--kolor-tekst-slaby); }
.kalkulator dd { margin: 0; font-weight: 700; text-align: right; }
.przelacznik { display: flex; gap: 8px; margin-top: 8px; }
.przelacznik label { flex: 1; border: 1px solid var(--kolor-ramka); border-radius: var(--promien); padding: 10px; text-align: center; cursor: pointer; font-weight: 600; }
.przelacznik label:has(input:checked) { border-color: var(--kolor-glowny); background: var(--kolor-tlo); }
.przelacznik label { position: relative; }
.przelacznik input { position: absolute; left: 0; top: 0; width: 1px; height: 1px; opacity: 0; pointer-events: none; }

/* Pasek z CTA na telefonie */
.pasek-mobilny { display: none; }

/* ---------- Telefon / tablet ---------- */
@media (max-width: 900px) {
  .siatka--3, .siatka--4, .kroki { grid-template-columns: repeat(2, 1fr); }
  .stopka__siatka { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  body { font-size: 16px; }
  .sekcja { padding: 52px 0; }
  .hero__siatka, .o-mnie { grid-template-columns: 1fr; gap: 28px; }
  .zdjecie-miejsce { aspect-ratio: 4 / 3; }
  .siatka--2, .siatka--3, .siatka--4, .kroki, .wybory, .stopka__siatka { grid-template-columns: 1fr; }
  .finli { flex-direction: column; align-items: stretch; }
  .menu-przycisk { display: block; }
  .menu { display: none; position: absolute; top: 68px; left: 0; right: 0; background: var(--kolor-tlo); flex-direction: column; align-items: stretch; padding: 16px; gap: 14px; border-bottom: 1px solid var(--kolor-ramka); }
  .menu.otwarte { display: flex; }
  .menu__podmenu { display: block; position: static; border: 0; box-shadow: none; padding: 4px 0 0 12px; min-width: 0; }
  .menu__podmenu a { padding: 6px 0; font-weight: 500; }
  .menu__grupa > .menu__rodzic::after { content: ""; }
  .menu { max-height: calc(100vh - 68px); overflow-y: auto; }
  .kalkulator { grid-template-columns: 1fr; }
  .przyciski .btn { flex: 1 1 100%; }
  .formularz { padding: 20px; }
  .pasek-mobilny { display: block; position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 40; box-shadow: 0 4px 16px rgba(0,0,0,.2); }
}