/* bmfi.pl – czysta, szybka strona: biel, czarna kreska, niebieski BMFI, jeden ciepły akcent (jak w ilustracjach). */
:root {
  --ink:#111; --ink2:#3d3f45; --muted:#6b6e76; --line:#e7e8ec; --bg:#fff; --soft:#f6f6f3;
  --brand:#114e98; --brand2:#2e78d2; --brandsoft:#e6f1ff; --sun:#ffc83d; --sunsoft:#fff6d9;
  --r:22px; --max:1160px; --side:24px;
}
*,*::before,*::after { box-sizing:border-box; }
html { scroll-behavior:smooth; scroll-padding-top:84px; -webkit-text-size-adjust:100%; }
body { margin:0; font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif; color:var(--ink);
       background:var(--bg); font-size:17px; line-height:1.65; -webkit-font-smoothing:antialiased; }
img,svg { max-width:100%; height:auto; display:block; }
a { color:var(--brand); text-underline-offset:3px; }
h1,h2,h3 { line-height:1.15; letter-spacing:-.025em; margin:0 0 .5em; }
h1 { font-size:clamp(2.1rem,5vw,3.6rem); font-weight:800; }
h2 { font-size:clamp(1.6rem,3.2vw,2.3rem); font-weight:800; margin-top:0; }
h3 { font-size:1.2rem; font-weight:700; }
p { margin:0 0 1em; }
.wrap { max-width:var(--max); margin:0 auto; padding:0 var(--side); }
.mark { background:linear-gradient(transparent 62%, var(--sun) 62%); padding:0 .08em; }
.muted { color:var(--muted); }
.small { font-size:.88rem; }

/* Przyciski */
.btn { display:inline-flex; align-items:center; gap:10px; min-height:52px; padding:0 26px; border-radius:999px;
       background:var(--ink); color:#fff; font-weight:700; text-decoration:none; border:2px solid var(--ink);
       font-size:1rem; cursor:pointer; transition:transform .15s ease, box-shadow .15s ease; font-family:inherit; }
.btn:hover { transform:translateY(-2px); box-shadow:4px 4px 0 var(--sun); }
.btn.alt { background:#fff; color:var(--ink); }
.btn.green { background:var(--brand); border-color:var(--brand); }

/* Nagłówek */
.top { position:sticky; top:0; z-index:50; background:rgba(255,255,255,.94); backdrop-filter:blur(8px); border-bottom:1px solid var(--line); }
.top .wrap { display:flex; align-items:center; justify-content:space-between; gap:20px; height:72px; }
.top .logo img { height:28px; width:auto; }
.top nav { display:flex; gap:24px; align-items:center; }
.top nav a { color:var(--ink); text-decoration:none; font-weight:600; font-size:.95rem; }
.top nav a:hover { color:var(--brand); }
.top .tel { white-space:nowrap; }
.top .btn { min-height:42px; padding:0 18px; font-size:.92rem; }
@media (max-width:900px) { .top nav .hide-m { display:none; } }
@media (max-width:560px) { .top nav .tel { display:none; } }

/* Hero */
.hero { padding:56px 0 40px; }
.hero .wrap { display:grid; grid-template-columns:1.05fr .95fr; gap:40px; align-items:center; }
.hero .lead { font-size:1.2rem; color:var(--ink2); max-width:34em; }
.hero .cta { display:flex; gap:14px; flex-wrap:wrap; margin:26px 0 18px; }
.trust { display:flex; gap:10px 18px; flex-wrap:wrap; font-size:.9rem; color:var(--ink2); padding:0; margin:0; list-style:none; }
.trust li::before { content:"✓"; color:var(--brand2); font-weight:800; margin-right:6px; }
@media (max-width:860px) { .hero .wrap { grid-template-columns:1fr; } .hero { padding-top:32px; } }

/* Liczby */
.facts { display:grid; grid-template-columns:repeat(4,1fr); gap:14px; margin:8px 0 0; }
.fact { border:2px solid var(--ink); border-radius:var(--r); padding:18px 20px; background:#fff; }
.fact b { display:block; font-size:1.5rem; letter-spacing:-.02em; }
.fact span { color:var(--muted); font-size:.9rem; }
@media (max-width:860px) { .facts { grid-template-columns:1fr 1fr; } }

/* Sekcje */
.sec { padding:64px 0; }
.sec.soft { background:var(--soft); }
.sec .intro { max-width:42em; color:var(--ink2); font-size:1.08rem; }
.grid3 { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; }
.grid2 { display:grid; grid-template-columns:1fr 1fr; gap:28px; align-items:center; }
@media (max-width:860px) { .grid3, .grid2 { grid-template-columns:1fr; } }
.card { background:#fff; border:2px solid var(--ink); border-radius:var(--r); padding:24px; display:flex; flex-direction:column; gap:6px;
        color:var(--ink); text-decoration:none; transition:transform .15s ease, box-shadow .15s ease; }
a.card:hover { transform:translateY(-3px); box-shadow:6px 6px 0 var(--sun); }
.card .more { margin-top:auto; font-weight:700; color:var(--brand); }
.card .ico { font-size:1.8rem; line-height:1; }

/* Kroki */
.steps { counter-reset:k; display:grid; grid-template-columns:repeat(4,1fr); gap:18px; padding:0; list-style:none; }
.steps li { counter-increment:k; position:relative; padding:62px 20px 20px; background:#fff; border-radius:var(--r); border:2px solid var(--ink); }
.steps li::before { content:counter(k); position:absolute; top:16px; left:20px; width:34px; height:34px; border-radius:50%;
                    background:var(--sun); border:2px solid var(--ink); display:grid; place-items:center; font-weight:800; }
@media (max-width:860px) { .steps { grid-template-columns:1fr 1fr; } }
@media (max-width:520px) { .steps { grid-template-columns:1fr; } }

/* Podstrona */
.crumbs { font-size:.85rem; color:var(--muted); margin:22px 0 0; }
.crumbs a { color:var(--muted); }
.page-hero { padding:24px 0 8px; }
.answer { background:var(--sunsoft); border:2px solid var(--ink); border-radius:var(--r); padding:22px 24px; font-size:1.08rem; margin:18px 0 8px; }
.answer > strong:first-child { display:block; font-size:.78rem; letter-spacing:.12em; text-transform:uppercase; color:var(--ink2); margin-bottom:4px; }
.layout { display:grid; grid-template-columns:minmax(0,1fr) 340px; gap:48px; align-items:start; padding:24px 0 64px; }
.layout aside { position:sticky; top:96px; }
@media (max-width:960px) { .layout { grid-template-columns:1fr; } .layout aside { position:static; } }
.prose { max-width:44em; }
.prose h2 { margin-top:1.8em; font-size:1.7rem; }
.prose h3 { margin-top:1.4em; }
.prose ul, .prose ol { padding-left:1.25em; }
.prose li { margin:.3em 0; }
.prose table { border-collapse:collapse; width:100%; margin:1em 0 1.4em; font-size:.95rem; display:block; overflow-x:auto; }
.prose th, .prose td { border-bottom:1px solid var(--line); padding:10px 12px; text-align:left; vertical-align:top; }
.prose th { background:var(--soft); }
.prose blockquote { margin:1.2em 0; padding:14px 20px; border-left:5px solid var(--brand2); background:var(--brandsoft); border-radius:0 14px 14px 0; }
.author { display:flex; gap:12px; align-items:center; font-size:.9rem; color:var(--ink2); border-top:1px solid var(--line); border-bottom:1px solid var(--line); padding:12px 0; margin:6px 0 20px; }
.author .av { width:44px; height:44px; border-radius:50%; background:var(--brandsoft); border:2px solid var(--ink); display:grid; place-items:center; font-weight:800; }

/* FAQ */
.faq details { border:2px solid var(--ink); border-radius:16px; padding:14px 18px; background:#fff; margin:0 0 10px; }
.faq summary { cursor:pointer; font-weight:700; list-style:none; display:flex; justify-content:space-between; gap:12px; }
.faq summary::after { content:"+"; font-size:1.4rem; line-height:1; }
.faq details[open] summary::after { content:"–"; }
.faq details p { margin:10px 0 0; color:var(--ink2); }

/* Formularz */
.form-box { background:#fff; border:2px solid var(--ink); border-radius:var(--r); padding:24px; box-shadow:8px 8px 0 var(--sun); }
.form-box h2, .form-box h3 { margin-bottom:6px; }
.form-box label { display:block; font-weight:600; font-size:.9rem; margin:12px 0 4px; }
.form-box input[type=text], .form-box input[type=tel] { width:100%; height:48px; border:2px solid #cfd1d6; border-radius:12px; padding:0 14px;
       font:inherit; font-size:1rem; }
.form-box input:focus { outline:none; border-color:var(--brand2); }
.form-box input.invalid { border-color:#c0392b; }
.form-box .consent { display:flex; gap:10px; align-items:flex-start; font-weight:400; font-size:.8rem; color:var(--ink2); }
.form-box .consent input { margin-top:3px; }
.form-box .btn { width:100%; justify-content:center; margin-top:16px; }
.err { color:#c0392b; font-size:.8rem; min-height:0; display:none; }
.err.visible { display:block; }
.form-status.error { color:#c0392b; margin-top:10px; font-size:.9rem; }
.thanks { display:none; text-align:center; padding:12px 0; }
.thanks.visible { display:block; }
.form-submitting .btn { opacity:.6; pointer-events:none; }
.safe { font-size:.78rem; color:var(--muted); margin-top:10px; }

/* Stopka */
.foot { background:var(--ink); color:#d6d7da; padding:48px 0 90px; font-size:.9rem; }
.foot a { color:#fff; }
.foot .cols { display:grid; grid-template-columns:2fr 1fr 1fr; gap:28px; }
.foot h4 { color:#fff; margin:0 0 10px; font-size:.95rem; }
.foot ul { list-style:none; padding:0; margin:0; }
.foot li { margin:6px 0; }
.foot .legal { border-top:1px solid #2c2d31; margin-top:28px; padding-top:18px; color:#9a9ca3; font-size:.8rem; }
@media (max-width:760px) { .foot .cols { grid-template-columns:1fr; } }

/* Przycisk na telefonie */
.mobile-cta { position:fixed; left:12px; right:12px; bottom:12px; z-index:60; display:none; gap:10px; }
.mobile-cta a { flex:1; justify-content:center; min-height:50px; }
@media (max-width:760px) { .mobile-cta { display:flex; } }

/* Wybór stylu (strona robocza) */
.styles { display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
.styles figure { margin:0; border:2px solid var(--ink); border-radius:var(--r); padding:18px; background:#fff; }
.styles figcaption b { display:block; font-size:1.15rem; margin-top:10px; }
@media (max-width:860px) { .styles { grid-template-columns:1fr; } }

/* Zgoda na statystyki */
#cookies { position:fixed; left:16px; bottom:16px; z-index:70; max-width:380px; padding:16px 18px; box-shadow:6px 6px 0 var(--sun); }
#cookies .btn { min-height:40px; padding:0 16px; font-size:.9rem; width:auto; margin:4px 6px 0 0; }
@media (max-width:760px) { #cookies { left:12px; right:12px; bottom:76px; max-width:none; } }
.top nav a.btn, .top nav a.btn:hover { color:#fff; }
@media (max-width:860px) { .hero img { max-width:420px; margin:0 auto; } }
.answer p { margin:0; }
.foot img { filter:brightness(0) invert(1); margin-bottom:12px; }

/* Kalkulator raty */
.calc { border:2px solid var(--ink); border-radius:var(--r); padding:24px; margin:8px 0 28px; background:#fff; }
.calc h2 { margin-top:0 !important; }
.calc-grid { display:grid; grid-template-columns:1fr 1fr; gap:24px; align-items:start; }
.calc label { display:block; font-size:.95rem; margin:10px 0 2px; }
.calc input[type=range] { width:100%; accent-color:var(--brand); }
.calc-switch { display:flex; gap:8px; margin-top:14px; flex-wrap:wrap; }
.calc-switch label { margin:0; border:2px solid var(--ink); border-radius:999px; padding:6px 14px; cursor:pointer; font-weight:600; }
.calc-switch label:has(input:checked) { background:var(--sun); }
.calc-switch input { position:absolute; opacity:0; }
.calc-result { background:var(--sunsoft); border-radius:16px; padding:18px; display:flex; flex-direction:column; gap:6px; }
.calc-big { font-size:2.2rem; letter-spacing:-.03em; line-height:1.1; }
.calc-result .btn { margin-top:8px; justify-content:center; }
@media (max-width:640px) { .calc-grid { grid-template-columns:1fr; } }
.related { align-items:stretch; }

/* Wiedza (blog) */
.kicker { display:block; font-size:.78rem; letter-spacing:.1em; text-transform:uppercase; color:var(--brand); font-weight:700; margin-bottom:6px; }
.post-hero { display:grid; grid-template-columns:1.2fr .8fr; gap:32px; align-items:center; }
@media (max-width:860px) { .post-hero { grid-template-columns:1fr; } .post-hero img { max-width:420px; } }
.posts { display:grid; grid-template-columns:repeat(3,1fr); gap:22px; margin-top:24px; }
@media (max-width:960px) { .posts { grid-template-columns:1fr 1fr; } }
@media (max-width:620px) { .posts { grid-template-columns:1fr; } }
.post-card { border:2px solid var(--ink); border-radius:var(--r); padding:18px; color:var(--ink); text-decoration:none; display:flex; flex-direction:column; gap:6px; background:#fff;
             transition:transform .15s ease, box-shadow .15s ease; }
.post-card:hover { transform:translateY(-3px); box-shadow:6px 6px 0 var(--sun); }
.post-card img { border-bottom:1px solid var(--line); margin-bottom:8px; }
.post-card h2 { font-size:1.2rem; margin:0; }
.post-card p { color:var(--ink2); font-size:.92rem; margin:0; }
.post-card .more { margin-top:auto; padding-top:8px; font-weight:700; color:var(--brand); }
.toc { background:var(--soft); border-radius:16px; padding:16px 20px; margin:0 0 20px; }
.toc ol { margin:8px 0 0; padding-left:1.2em; }
.toc a { color:var(--ink); }
.disclaimer { font-size:.8rem; color:var(--muted); border-top:1px solid var(--line); padding-top:12px; margin-top:28px; }
.prose .check { list-style:none; padding-left:0; }
.prose .check li::before { content:"☐"; margin-right:8px; color:var(--brand); font-weight:700; }

img.av { object-fit:cover; padding:0; }
.bio { display:grid; grid-template-columns:220px 1fr; gap:24px; align-items:start; margin:8px 0 12px; }
.bio img { border-radius:var(--r); border:2px solid var(--ink); box-shadow:6px 6px 0 var(--sun); }
@media (max-width:620px) { .bio { grid-template-columns:1fr; } .bio img { max-width:260px; } }

/* Historia w poradniku – krótka opowieść, w której klient może zobaczyć swoją sytuację */
.story { position:relative; background:var(--brandsoft); border:2px solid var(--ink); border-radius:var(--r); padding:22px 24px 18px; margin:6px 0 26px; box-shadow:6px 6px 0 var(--sun); }
.story .story-label { display:inline-block; background:var(--ink); color:#fff; font-size:.72rem; font-weight:700; letter-spacing:.1em; text-transform:uppercase; border-radius:999px; padding:4px 12px; margin-bottom:10px; }
.story h3 { margin:0 0 8px; font-size:1.2rem; }
.story p { margin:0 0 .8em; }
.story .story-lesson { border-top:1px dashed #9fb7d8; padding-top:10px; margin-top:4px; font-weight:600; }
.story .story-note { font-size:.75rem; color:var(--muted); margin:6px 0 0; }