/* biznesplandlabanku.pl — arkusz wspólny. Zaktualizowano: 2026-08-29 */
:root{
  --max:1180px; --pad:28px;
  --bg:oklch(0.985 0.004 80);
  --bg-2:oklch(0.958 0.008 80);
  --bg-3:oklch(0.925 0.012 80);
  --line:oklch(0.885 0.010 80);
  --ink:oklch(0.175 0.012 60);
  --text:oklch(0.215 0.012 60);
  --text-mute:oklch(0.445 0.012 60);
  --text-soft:oklch(0.585 0.010 60);
  --accent:oklch(0.475 0.105 55);
  --accent-deep:oklch(0.335 0.085 55);
  --accent-soft:oklch(0.955 0.030 55);
  --on-accent:oklch(0.99 0.004 80);
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;background:var(--bg);color:var(--text);
  font-family:"Manrope",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
a{color:inherit;text-decoration:none}
a:hover{color:var(--accent)}
img{max-width:100%;display:block}
html{scroll-behavior:smooth}
::selection{background:var(--accent);color:var(--on-accent)}
h1,h2,h3,h4{margin:0;font-weight:400;letter-spacing:-.02em;font-family:"Instrument Serif",Georgia,serif;color:var(--ink)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--pad)}
section{padding:80px 0;border-top:1px solid var(--line)}
.mono{font-family:"JetBrains Mono",ui-monospace,monospace}
.eyebrow{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;letter-spacing:.18em;
  text-transform:uppercase;color:var(--text-soft);display:flex;align-items:center;gap:14px;margin-bottom:28px}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--accent);display:inline-block}

/* Nav */
.nav{position:sticky;top:0;z-index:30;background:color-mix(in oklch,var(--bg) 94%,transparent);
  backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:66px;flex-wrap:wrap}
.brand{font-family:"Instrument Serif",Georgia,serif;font-size:19px;letter-spacing:-.01em;color:var(--ink);
  display:flex;align-items:baseline;gap:9px;white-space:nowrap}
.brand:hover{color:var(--ink)}
.brand-dot{width:7px;height:7px;background:var(--accent);border-radius:50%;display:inline-block;transform:translateY(-2px)}
.nav-links{display:flex;gap:24px;align-items:center;font-size:14px;color:var(--text-mute);flex-wrap:wrap}
.nav-links a{padding:8px 0;white-space:nowrap}
.nav-links a[aria-current="page"]{color:var(--accent)}
.nav-right{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.nav-phone{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:14px;color:var(--accent);white-space:nowrap}
.nav-cta{font-size:14px;padding:10px 20px;background:var(--ink);color:var(--on-accent);border-radius:2px;white-space:nowrap;transition:background .25s ease}
.nav-cta:hover{background:var(--accent);color:var(--on-accent)}
@media(max-width:1040px){.nav-links{gap:16px;font-size:13px}}
@media(max-width:860px){.nav-inner{padding:12px 0}.nav-links{order:3;width:100%;gap:16px;overflow-x:auto;padding-bottom:2px}}

/* Hero */
.hero{padding:72px 0 64px;border-top:0}
.hero-grid{display:grid;grid-template-columns:1.55fr 1fr;gap:64px;align-items:start}
.hero h1{font-size:clamp(38px,5.2vw,66px);line-height:1.03;letter-spacing:-.03em;max-width:22ch}
.hero h1 em{font-style:italic;color:var(--accent)}
.hero-lead{margin-top:30px;font-size:20px;line-height:1.55;color:var(--text);max-width:58ch}
.hero-lead p{margin:0 0 18px}
.hero-lead p:last-child{margin-bottom:0}
.hero-cta{display:flex;gap:14px;margin-top:36px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:10px;padding:16px 26px;font-size:15px;font-weight:500;
  border-radius:2px;border:1px solid var(--ink);background:var(--ink);color:var(--on-accent);transition:all .25s ease;cursor:pointer}
.btn:hover{background:var(--accent);border-color:var(--accent);color:var(--on-accent)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{background:transparent;border-color:var(--accent);color:var(--accent)}
.btn .arrow{transition:transform .25s ease}
.btn:hover .arrow{transform:translateX(3px)}
.hero-card{border:1px solid var(--line);background:var(--bg-2);padding:30px 28px}
.hero-card .portrait{margin-bottom:20px;border:1px solid var(--line)}
.hero-card h2{font-size:22px;line-height:1.2;margin-bottom:10px}
.hero-card p{margin:0 0 14px;font-size:15px;line-height:1.6;color:var(--text-mute)}
.hero-card ul{margin:0;padding-left:18px;font-size:14px;color:var(--text-mute);display:flex;flex-direction:column;gap:7px}
.hero-card .who{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;letter-spacing:.14em;
  text-transform:uppercase;color:var(--text-soft);margin-bottom:16px}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:44px}}

/* Claim */
.claim{background:var(--ink);color:oklch(0.96 0.008 80);border:0}
.claim .big{font-family:"Instrument Serif",Georgia,serif;font-size:clamp(28px,3.6vw,44px);
  line-height:1.2;letter-spacing:-.02em;max-width:34ch;color:oklch(0.98 0.008 80)}
.claim p{font-size:18px;line-height:1.6;color:oklch(0.80 0.012 80);max-width:60ch;margin:24px 0 0}
.claim .grid{display:grid;grid-template-columns:1.3fr 1fr;gap:64px;align-items:end}
@media(max-width:900px){.claim .grid{grid-template-columns:1fr;gap:32px}}

/* Fakty */
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line)}
.fact{padding:34px 26px;border-right:1px solid var(--line)}
.fact:last-child{border-right:0}
.fact-num{font-family:"Instrument Serif",Georgia,serif;font-size:46px;line-height:1;color:var(--ink);letter-spacing:-.03em}
.fact-num .u{font-size:.4em;color:var(--accent);font-style:italic;margin-left:4px}
.fact-lab{margin-top:10px;font-size:14px;color:var(--text-mute);line-height:1.45}
@media(max-width:860px){.facts{grid-template-columns:1fr 1fr}
 .fact{border-bottom:1px solid var(--line)}.fact:nth-child(2n){border-right:0}}

/* Karty */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.card{background:var(--bg);padding:32px 28px 38px}
.card:hover{background:var(--bg-2)}
.card-num{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;letter-spacing:.16em;color:var(--accent);margin-bottom:18px}
.card h3{font-size:25px;line-height:1.15;margin-bottom:12px}
.card p{margin:0;font-size:15px;line-height:1.6;color:var(--text-mute)}
.card .price{font-family:"Instrument Serif",Georgia,serif;font-size:34px;color:var(--accent);line-height:1;margin:0 0 4px;letter-spacing:-.02em}
.card .price-note{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--text-soft);margin-bottom:16px}
@media(max-width:900px){.cards{grid-template-columns:1fr}}

/* Intro sekcji */
.intro{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:end;margin-bottom:52px}
.intro h2{font-size:clamp(30px,3.8vw,50px);line-height:1.05;letter-spacing:-.025em}
.intro p{margin:0;font-size:17px;line-height:1.65;color:var(--text-mute);max-width:50ch}
@media(max-width:900px){.intro{grid-template-columns:1fr;gap:22px;margin-bottom:36px}}

/* Proza */
.prose{max-width:72ch;font-size:17px;line-height:1.7;color:var(--text)}
.prose h2{font-size:clamp(27px,3.2vw,40px);line-height:1.1;margin:0 0 18px}
.prose h3{font-size:25px;line-height:1.2;margin:44px 0 12px}
.prose h4{font-size:20px;margin:32px 0 8px}
.prose p{margin:0 0 18px;color:var(--text-mute)}
.prose p.first{color:var(--text);font-size:19px;line-height:1.6}
.prose strong{color:var(--ink);font-weight:600}
.prose ul,.prose ol{margin:0 0 22px;padding-left:22px;display:flex;flex-direction:column;gap:9px;color:var(--text-mute)}
.prose a{color:var(--accent);border-bottom:1px solid color-mix(in oklch,var(--accent) 35%,transparent)}
.two-col{display:grid;grid-template-columns:210px 1fr;gap:64px;align-items:start}
@media(max-width:900px){.two-col{grid-template-columns:1fr;gap:24px}}
.aside{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;letter-spacing:.15em;
  text-transform:uppercase;color:var(--text-soft);line-height:1.9;position:sticky;top:96px}
.aside .n{display:block;color:var(--accent);margin-bottom:8px}
@media(max-width:900px){.aside{position:static}}

/* Kroki */
.steps{display:flex;flex-direction:column;border-top:1px solid var(--line)}
.step{display:grid;grid-template-columns:64px 1fr 200px;gap:32px;padding:30px 0;border-bottom:1px solid var(--line);align-items:start}
.step-n{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:12px;letter-spacing:.1em;color:var(--accent);padding-top:5px}
.step h3{font-size:23px;line-height:1.2;margin-bottom:8px}
.step p{margin:0;font-size:15px;line-height:1.6;color:var(--text-mute);max-width:62ch}
.step-when{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;letter-spacing:.12em;
  text-transform:uppercase;color:var(--text-soft);text-align:right;padding-top:6px}
@media(max-width:860px){.step{grid-template-columns:1fr;gap:8px}.step-when{text-align:left}}

/* Tabele */
.tbl-scroll{overflow-x:auto;margin:0 0 26px}
table.tbl{width:100%;border-collapse:collapse;font-size:15px;min-width:560px;background:var(--bg)}
table.tbl caption{text-align:left;font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;
  letter-spacing:.15em;text-transform:uppercase;color:var(--text-soft);padding-bottom:14px}
table.tbl th,table.tbl td{text-align:left;padding:15px 18px;border-bottom:1px solid var(--line);vertical-align:top}
table.tbl thead th{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;letter-spacing:.13em;
  text-transform:uppercase;color:var(--text-soft);font-weight:500;border-bottom:1px solid var(--ink)}
table.tbl td:first-child{color:var(--ink);font-weight:500}
table.tbl td.num{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:14px;white-space:nowrap;color:var(--ink)}
table.tbl tbody tr:hover{background:var(--bg-2)}

/* Callout */
.callout{border-left:3px solid var(--accent);background:var(--accent-soft);padding:26px 30px;margin:0 0 30px;max-width:72ch}
.callout p{margin:0 0 12px;font-size:17px;line-height:1.6;color:var(--ink)}
.callout p:last-child{margin-bottom:0}
.callout .lead{font-family:"Instrument Serif",Georgia,serif;font-size:25px;line-height:1.3}

/* FAQ */
.faq{border-top:1px solid var(--line);max-width:80ch}
.faq-item{padding:30px 0;border-bottom:1px solid var(--line)}
.faq-item h3{font-size:25px;line-height:1.2;margin-bottom:11px}
.faq-item p{margin:0;font-size:16px;line-height:1.68;color:var(--text-mute);max-width:68ch}

/* Pasek CTA */
.band{background:var(--accent-soft);border:0}
.band .grid{display:grid;grid-template-columns:1.4fr 1fr;gap:56px;align-items:center}
.band h2{font-size:clamp(28px,3.6vw,44px);line-height:1.08;letter-spacing:-.025em;max-width:26ch}
.band p{margin:18px 0 0;font-size:17px;line-height:1.6;color:var(--text-mute);max-width:52ch}
.band-contact{display:flex;flex-direction:column;gap:14px;font-family:"JetBrains Mono",ui-monospace,monospace;font-size:14px}
.band-contact .big{font-family:"Instrument Serif",Georgia,serif;font-size:32px;color:var(--ink);letter-spacing:-.02em}
@media(max-width:900px){.band .grid{grid-template-columns:1fr;gap:32px}}

/* Portret */
.portrait{aspect-ratio:4/5;overflow:hidden;background:var(--bg-3)}
.portrait img{width:100%;height:100%;object-fit:cover;object-position:center 18%}

/* Okruszki */
.crumbs{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;letter-spacing:.15em;
  text-transform:uppercase;color:var(--text-soft);margin-bottom:26px;display:flex;gap:9px;flex-wrap:wrap}
.updated{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;letter-spacing:.13em;
  text-transform:uppercase;color:var(--text-soft);margin-top:26px}

/* NAP i stopka */
.nap{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:12px;line-height:2;color:var(--text-mute);
  border:1px solid var(--line);padding:24px 26px;max-width:54ch;background:var(--bg)}
.nap strong{color:var(--ink);font-weight:500}
footer{background:var(--bg-2);border-top:1px solid var(--line);padding:56px 0 32px}
.spec{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line)}
.spec-cell{background:var(--bg);padding:26px 24px}
.spec-cell h3,.spec-cell h4{font-size:19px;margin-bottom:8px}
.spec-cell p{margin:0;font-size:15px;line-height:1.6;color:var(--text-mute)}
.spec-cell.yes h3,.spec-cell.yes h4{color:var(--accent)}
.spec-cell.no h3,.spec-cell.no h4{color:var(--text-soft)}
@media(max-width:860px){.spec{grid-template-columns:1fr}}
.foot-grid{display:grid;grid-template-columns:1.15fr 1fr 1fr;gap:52px;margin-bottom:44px}
.foot-h{font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;letter-spacing:.16em;
  text-transform:uppercase;color:var(--text-soft);margin-bottom:16px}
.foot-list{display:flex;flex-direction:column;gap:11px;font-size:15px;color:var(--text-mute)}
.foot-list .desc{display:block;font-size:13px;color:var(--text-soft);margin-top:3px;line-height:1.5}
.foot{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:1px solid var(--line);
  padding-top:26px;font-family:"JetBrains Mono",ui-monospace,monospace;font-size:11px;
  letter-spacing:.12em;text-transform:uppercase;color:var(--text-soft)}
@media(max-width:900px){.foot-grid{grid-template-columns:1fr;gap:34px}}

/* Tabela z podziałem na dwa warianty */
table.tbl-split{min-width:720px}
table.tbl-split th,table.tbl-split td{padding:14px 16px}
table.tbl-split th.sep,table.tbl-split td.sep{border-left:2px solid var(--ink)}
table.tbl-split th.grp{text-align:center;color:var(--accent);border-bottom:1px solid var(--accent);font-size:12px}
table.tbl-split .sub{display:block;font-weight:400;text-transform:none;letter-spacing:0;font-size:11px;color:var(--text-soft);margin-top:3px}
table.tbl-split .pct{display:block;font-size:12px;color:var(--text-soft);margin-top:2px}
table.tbl-split td.tot{background:var(--accent-soft);font-weight:600}
table.tbl-split td.tot .pct{color:var(--accent)}
table.tbl-split tr.ind td{color:var(--text-soft);font-weight:400}
table.tbl-split thead tr:first-child th{border-bottom:1px solid var(--line)}
.byline{display:flex;flex-wrap:wrap;align-items:baseline;gap:6px 18px;margin:28px 0 0;padding-top:22px;border-top:1px solid var(--line);font-size:14px;line-height:1.5}
.byline-name a{color:var(--accent);text-decoration:none;font-weight:600}
.byline-name a:hover{text-decoration:underline}
.byline-role,.byline time{color:var(--text-soft)}
.byline time{font-family:"JetBrains Mono", ui-monospace, monospace;font-size:13px;letter-spacing:.02em}
.asof{display:block;margin-top:14px;font-size:13px;line-height:1.55;color:var(--text-soft)}
.asof a{color:var(--text-soft);text-decoration:underline;text-underline-offset:2px}
.asof a:hover{color:var(--accent)}
.asof-inline{color:var(--text-soft);font-size:.9em}