/*
Theme Name: Prosto o Kredycie
Theme URI: https://prostookredycie.pl
Author: Szymon Kowalczuk
Description: Strona wizytówka - Prosto o Kredycie. Motyw wygenerowany jako statyczna strona jednostronicowa (one-page).
Version: 1.2
Requires at least: 6.0
Requires PHP: 7.4
*/


  :root{
    --ink:#1E2429;
    --ink-2:#262E35;
    --paper:#FAF7F1;
    --paper-2:#F1ECE1;
    --emerald:#BE9B69;
    --emerald-d:#9C7C4E;
    --gold:#BE9B69;
    --text-muted:#5C574F;
    --line: rgba(30,36,41,0.12);
    --line-light: rgba(250,247,241,0.16);
    --radius: 2px;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    background:var(--paper);
    color:var(--ink);
    font-family:'Inter', sans-serif;
    font-size:16px;
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }
  h1,h2,h3,h4{
    font-family:'Source Serif 4', serif;
    font-weight:600;
    letter-spacing:-0.01em;
    margin:0;
  }
  .mono{
    font-family:'IBM Plex Mono', monospace;
  }
  a{color:inherit;}
  img{max-width:100%;display:block;}
  .wrap{
    max-width:1120px;
    margin:0 auto;
    padding:0 32px;
  }
  @media (max-width:640px){ .wrap{padding:0 20px;} }

  /* reveal on scroll */
  .reveal{opacity:0; transform:translateY(18px); transition:opacity .7s ease, transform .7s ease;}
  .reveal.is-visible{opacity:1; transform:translateY(0);}
  @media (prefers-reduced-motion: reduce){
    .reveal{opacity:1; transform:none; transition:none;}
    html{scroll-behavior:auto;}
  }

  /* ---------- NAV ---------- */
  header{
    position:sticky; top:0; z-index:50;
    background:rgba(250,247,241,0.88);
    backdrop-filter:blur(8px);
    border-bottom:1px solid var(--line);
  }
  .nav{
    display:grid; grid-template-columns: 1fr auto 1fr;
    align-items:center;
    padding:14px 0;
  }
  .nav .brand{justify-self:center;}
  .nav nav.links{justify-self:center;}
  .nav .nav-cta{justify-self:end;}
  .brand{
    display:flex; align-items:baseline; gap:9px;
    font-family:'Source Serif 4', serif; font-weight:700; font-size:1.55rem;
    letter-spacing:-0.01em;
  }
  .brand .dot{color:var(--emerald); font-size:1.7rem; line-height:0;}
  .brand-logo{
    height:56px; width:auto; display:block;
  }
  nav.links{display:flex; gap:32px; font-size:0.92rem;}
  nav.links a{text-decoration:none; color:var(--ink); opacity:0.75; transition:opacity .2s;}
  nav.links a:hover{opacity:1;}
  .nav-cta{
    display:inline-block;
    padding:10px 20px;
    background:var(--ink);
    color:var(--paper);
    text-decoration:none;
    font-size:0.88rem;
    font-weight:500;
    border-radius:var(--radius);
    transition:background .2s;
  }
  .nav-cta:hover{background:var(--emerald-d);}
  .burger{display:none;}
  @media (max-width:860px){
    nav.links{display:none;}
    .burger{display:block; background:none; border:none; font-size:1.4rem; cursor:pointer; color:var(--ink);}
  }

  /* ---------- HERO ---------- */
  .hero{
    padding:88px 0 96px;
    position:relative;
    overflow:hidden;
  }
  .hero .wrap{
    display:grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap:56px;
    align-items:center;
  }
  @media (max-width:900px){
    .hero .wrap{grid-template-columns:1fr; gap:48px;}
    .hero{padding:56px 0 64px;}
  }
  .eyebrow{
    display:inline-flex; align-items:center; gap:10px;
    font-family:'IBM Plex Mono', monospace;
    font-size:0.76rem;
    letter-spacing:0.12em;
    text-transform:uppercase;
    color:var(--emerald-d);
    margin-bottom:22px;
  }
  .eyebrow::before{
    content:"";
    width:22px; height:1px; background:var(--emerald);
  }
  .hero h1{
    font-size:clamp(2.4rem, 4.4vw, 3.6rem);
    line-height:1.06;
    color:var(--ink);
  }
  .hero h1 em{
    font-style:italic; color:var(--emerald-d);
  }
  .hero p.lead{
    margin-top:18px;
    font-size:1.1rem;
    color:var(--text-muted);
    max-width:50ch;
  }
  .hero-actions{
    margin-top:34px;
    display:flex; gap:14px; flex-wrap:wrap;
  }
  .btn-primary{
    display:inline-block;
    padding:15px 28px;
    background:var(--emerald);
    color:#fff;
    text-decoration:none;
    font-weight:600;
    font-size:0.95rem;
    border-radius:var(--radius);
    transition:background .2s, transform .2s;
  }
  .btn-primary:hover{background:var(--emerald-d); transform:translateY(-1px);}
  .btn-ghost{
    display:inline-block;
    padding:15px 28px;
    border:1px solid var(--line);
    color:var(--ink);
    text-decoration:none;
    font-weight:500;
    font-size:0.95rem;
    border-radius:var(--radius);
    transition:border-color .2s, background .2s;
  }
  .btn-ghost:hover{border-color:var(--ink); background:rgba(30,36,41,0.03);}

  .trust-row{
    margin-top:44px;
    display:flex; gap:36px; flex-wrap:wrap;
  }
  .trust-row .num{
    font-family:'Source Serif 4', serif; font-size:1.7rem; font-weight:600; color:var(--ink);
  }
  .trust-row .lbl{
    font-size:0.8rem; color:var(--text-muted); margin-top:2px;
  }

  /* ---------- CALCULATOR (signature element) ---------- */
  .calc-card{
    background:var(--ink);
    color:var(--paper);
    border-radius:6px;
    padding:36px 32px 32px;
    position:relative;
    box-shadow: 0 30px 60px -20px rgba(30,36,41,0.35);
  }
  .calc-card::before{
    content:"";
    position:absolute; inset:0;
    border-radius:6px;
    padding:1px;
    background:linear-gradient(160deg, rgba(190,155,105,0.5), transparent 40%);
    -webkit-mask:linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
    -webkit-mask-composite: xor;
    mask-composite: exclude;
    pointer-events:none;
  }
  .calc-head{
    display:flex; justify-content:space-between; align-items:flex-start;
    margin-bottom:26px;
  }
  .calc-head .label{
    font-family:'IBM Plex Mono', monospace;
    font-size:0.72rem;
    letter-spacing:0.1em;
    text-transform:uppercase;
    color:var(--gold);
  }
  .calc-head h3{
    color:#fff; font-size:1.2rem; margin-top:6px;
  }
  .calc-row{margin-bottom:20px;}
  .calc-row-top{
    display:flex; justify-content:space-between; align-items:baseline;
    font-size:0.85rem; margin-bottom:10px; color:rgba(250,247,241,0.7);
  }
  .calc-row-top .val{
    font-family:'IBM Plex Mono', monospace;
    color:#fff; font-size:0.95rem; font-weight:500;
  }
  .field-input-wrap{
    font-family:'IBM Plex Mono', monospace;
    color:#fff; font-size:0.95rem; font-weight:500;
    display:inline-flex; align-items:center; gap:4px;
  }
  .field-input{
    background:transparent;
    border:none;
    border-bottom:1px solid rgba(250,247,241,0.35);
    color:#fff;
    font-family:'IBM Plex Mono', monospace;
    font-size:0.95rem; font-weight:500;
    text-align:right;
    padding:0 2px 1px;
    -moz-appearance:textfield;
  }
  .field-input::-webkit-outer-spin-button,
  .field-input::-webkit-inner-spin-button{
    -webkit-appearance:none; margin:0;
  }
  .field-input:focus{
    outline:none;
    border-bottom-color:var(--gold);
  }
  #rateInput{width:52px;}
  #amountInput{width:88px;}
  #monthsInput{width:44px;}
  input[type=range]{
    -webkit-appearance:none; appearance:none;
    width:100%; height:2px;
    background:rgba(250,247,241,0.25);
    border-radius:2px; outline:none;
  }
  input[type=range]::-webkit-slider-thumb{
    -webkit-appearance:none;
    width:16px; height:16px; border-radius:50%;
    background:var(--gold);
    cursor:pointer;
    border:3px solid var(--ink);
    box-shadow:0 0 0 1px var(--gold);
  }
  input[type=range]::-moz-range-thumb{
    width:16px; height:16px; border-radius:50%;
    background:var(--gold); cursor:pointer; border:3px solid var(--ink);
  }
  .calc-result{
    margin-top:28px;
    padding-top:24px;
    border-top:1px solid var(--line-light);
    display:flex; justify-content:space-between; align-items:flex-end; flex-wrap:wrap; gap:16px;
  }
  .calc-result .r-label{
    font-size:0.78rem; color:rgba(250,247,241,0.65);
  }
  .calc-result .r-value{
    font-family:'IBM Plex Mono', monospace;
    font-size:2.3rem; font-weight:600; color:#fff;
    letter-spacing:-0.01em;
  }
  .calc-result .r-value span{font-size:1.1rem; color:var(--gold);}
  .calc-note{
    margin-top:16px; font-size:0.74rem; color:rgba(250,247,241,0.45); line-height:1.5;
  }
  .calc-cta{
    margin-top:22px;
    display:block; text-align:center;
    padding:14px; background:var(--gold); color:var(--ink);
    text-decoration:none; font-weight:600; font-size:0.92rem;
    border-radius:var(--radius);
    transition:background .2s;
  }
  .calc-cta:hover{background:#c99b5e;}

  /* ---------- SECTION GENERIC ---------- */
  section{padding:96px 0;}
  @media (max-width:640px){section{padding:64px 0;}}
  .section-head{
    max-width:640px; margin-bottom:56px;
  }
  .section-head .eyebrow{margin-bottom:16px;}
  .section-head h2{
    font-size:clamp(1.8rem, 3vw, 2.4rem);
  }
  .section-head p{
    margin-top:16px; color:var(--text-muted); font-size:1.02rem;
  }

  /* ---------- ABOUT ---------- */
  .about{background:var(--paper-2);}
  .about .wrap{
    display:grid; grid-template-columns: 0.85fr 1.15fr; gap:64px; align-items:start;
  }
  @media (max-width:860px){ .about .wrap{grid-template-columns:1fr;} }
  .about-photo{
    aspect-ratio: 4/5;
    background: var(--paper-2);
    border:1px solid var(--line);
    border-radius:4px;
    overflow:hidden;
  }
  .about-photo img{
    width:100%; height:100%;
    object-fit:cover;
    display:block;
  }
  .about-name{
    font-size:1.5rem; margin-bottom:4px;
  }
  .about-role{
    font-family:'IBM Plex Mono', monospace;
    font-size:0.82rem; color:var(--emerald-d); letter-spacing:0.02em;
    margin-bottom:22px;
  }
  .about p{color:var(--text-muted); margin-top:14px; max-width:60ch;}
  .about-facts{
    margin-top:32px;
    display:grid; grid-template-columns:1fr 1fr; gap:18px 28px;
  }
  @media (max-width:480px){.about-facts{grid-template-columns:1fr;}}
  .fact{
    padding:16px 0 0; border-top:1px solid var(--line);
  }
  .fact .f-num{
    font-family:'Source Serif 4', serif; font-size:1.4rem; color:var(--ink);
  }
  .fact .f-lbl{font-size:0.82rem; color:var(--text-muted); margin-top:2px;}

  /* ---------- SERVICES ---------- */
  .services-grid{
    display:grid; grid-template-columns:repeat(3,1fr); gap:2px;
    background:var(--line);
    border:1px solid var(--line);
  }
  @media (max-width:860px){.services-grid{grid-template-columns:1fr 1fr;}}
  @media (max-width:560px){.services-grid{grid-template-columns:1fr;}}
  .service{
    background:var(--paper);
    padding:36px 30px;
    transition:background .25s;
  }
  .service:hover{background:var(--paper-2);}
  .service .s-mark{
    font-family:'IBM Plex Mono', monospace;
    color:var(--gold); font-size:0.8rem; margin-bottom:18px; display:block;
  }
  .service h3{font-size:1.15rem; margin-bottom:10px;}
  .service p{color:var(--text-muted); font-size:0.94rem;}

  /* ---------- OVERPAY CALCULATOR ---------- */
  .overpay{background:var(--paper-2);}
  .op-card{
    background:var(--ink);
    color:var(--paper);
    border-radius:6px;
    padding:40px;
    position:relative;
    box-shadow: 0 30px 60px -20px rgba(30,36,41,0.35);
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap:48px;
  }
  @media (max-width:860px){
    .op-card{grid-template-columns:1fr; padding:28px 24px;}
  }
  .op-card::before{
    content:"";
    position:absolute; inset:0;
    border-radius:6px;
    padding:1px;
    background:linear-gradient(160deg, rgba(190,155,105,0.5), transparent 40%);
    -webkit-mask:linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
    -webkit-mask-composite: xor;
    mask-composite: exclude;
    pointer-events:none;
  }
  .op-col-label{
    font-family:'IBM Plex Mono', monospace;
    font-size:0.72rem; letter-spacing:0.1em; text-transform:uppercase;
    color:var(--gold); margin-bottom:22px;
  }
  .op-field{margin-bottom:20px;}
  .op-field-top{
    display:flex; justify-content:space-between; align-items:baseline;
    font-size:0.85rem; margin-bottom:8px; color:rgba(250,247,241,0.7);
  }
  .op-segmented{
    display:flex; border:1px solid rgba(250,247,241,0.25); border-radius:var(--radius);
    overflow:hidden; margin-bottom:22px;
  }
  .op-segmented input{position:absolute; opacity:0; pointer-events:none;}
  .op-segmented label{
    flex:1; text-align:center; padding:11px 8px;
    font-size:0.84rem; cursor:pointer; color:rgba(250,247,241,0.65);
    transition:background .2s, color .2s;
  }
  .op-segmented label:not(:last-child){border-right:1px solid rgba(250,247,241,0.25);}
  .op-segmented input:checked + label{
    background:var(--gold); color:var(--ink); font-weight:600;
  }
  .op-segmented input:focus-visible + label{outline:2px solid var(--gold); outline-offset:-2px;}

  .op-results{display:flex; flex-direction:column; height:100%;}
  .op-compare{margin-bottom:22px;}
  .op-compare-row{margin-bottom:14px;}
  .op-compare-top{
    display:flex; justify-content:space-between; font-size:0.8rem;
    color:rgba(250,247,241,0.65); margin-bottom:6px;
  }
  .op-compare-top .v{font-family:'IBM Plex Mono', monospace; color:#fff;}
  .op-bar-track{
    width:100%; height:8px; border-radius:4px; background:rgba(250,247,241,0.12);
    overflow:hidden;
  }
  .op-bar-fill{
    height:100%; border-radius:4px;
    background:rgba(250,247,241,0.4);
  }
  .op-bar-fill.gold{background:var(--gold);}

  .op-headline{
    margin-top:auto;
    padding-top:22px; border-top:1px solid var(--line-light);
  }
  .op-headline .r-label{font-size:0.78rem; color:rgba(250,247,241,0.65);}
  .op-headline .r-value{
    font-family:'IBM Plex Mono', monospace;
    font-size:2rem; font-weight:600; color:#fff; letter-spacing:-0.01em;
    margin-top:4px;
  }
  .op-headline .r-value span{color:var(--gold); font-size:0.95rem;}
  .op-sub{font-size:0.86rem; color:rgba(250,247,241,0.6); margin-top:10px;}
  .op-sub b{color:#fff; font-weight:600;}

  /* ---------- PROCESS ---------- */

  .process{background:var(--ink); color:var(--paper);}
  .process .section-head p{color:rgba(250,247,241,0.6);}
  .process .section-head h2{color:#fff;}
  .process .eyebrow{color:var(--gold);}
  .process .eyebrow::before{background:var(--gold);}
  .steps{
    display:grid; grid-template-columns:repeat(4,1fr); gap:0;
    position:relative;
  }
  @media (max-width:900px){.steps{grid-template-columns:1fr 1fr; row-gap:40px;}}
  @media (max-width:560px){.steps{grid-template-columns:1fr;}}
  .step{
    padding-right:28px; position:relative;
  }
  .step:not(:last-child)::after{
    content:"";
    position:absolute; top:0; right:0; width:1px; height:100%;
    background:var(--line-light);
  }
  @media (max-width:900px){ .step:nth-child(2)::after{display:none;} .step:nth-child(4)::after{display:none;} }
  @media (max-width:560px){ .step::after{display:none;} }
  .step .n{
    font-family:'IBM Plex Mono', monospace;
    color:var(--gold); font-size:0.85rem; margin-bottom:16px;
  }
  .step h4{color:#fff; font-size:1.05rem; margin-bottom:10px;}
  .step p{color:rgba(250,247,241,0.6); font-size:0.9rem;}

  /* ---------- TESTIMONIALS ---------- */
  .testimonials .wrap{
    display:grid; grid-template-columns:repeat(2, 1fr);
    align-items:start; gap:28px;
  }
  @media (max-width:860px){.testimonials .wrap{grid-template-columns:1fr;}}
  .testimonial{
    border-top:2px solid var(--emerald);
    background:var(--paper-2);
    border-radius:4px;
    padding:28px 30px 26px;
  }
  .testimonial h4{
    font-family:'Source Serif 4', serif; font-size:1.05rem; color:var(--ink);
    margin-bottom:12px;
  }
  .testimonial p{
    font-family:'Inter', sans-serif; font-size:0.94rem; color:var(--ink);
    line-height:1.65; margin-bottom:12px;
  }
  .testimonial p:last-of-type{margin-bottom:0;}
  .testimonial .badges{
    display:flex; gap:8px; flex-wrap:wrap; margin-top:16px;
  }
  .testimonial .badge{
    font-family:'IBM Plex Mono', monospace;
    font-size:0.68rem; letter-spacing:0.06em; text-transform:uppercase;
    background:rgba(190,155,105,0.1); color:var(--emerald-d);
    padding:4px 10px; border-radius:2px;
  }
  .testimonial .who{
    margin-top:18px; font-size:0.82rem; color:var(--text-muted);
    font-family:'IBM Plex Mono', monospace;
  }

  /* ---------- CONTACT ---------- */
  .contact{background:var(--paper-2);}
  .contact .wrap{
    display:grid; grid-template-columns:1fr 1fr; gap:64px;
  }
  @media (max-width:860px){.contact .wrap{grid-template-columns:1fr;}}
  .contact-info .item{
    display:flex; gap:16px; padding:18px 0; border-top:1px solid var(--line);
  }
  .contact-info .item:last-child{border-bottom:1px solid var(--line);}
  .contact-info .k{
    font-family:'IBM Plex Mono', monospace; font-size:0.76rem; color:var(--text-muted);
    width:90px; flex-shrink:0; padding-top:2px;
  }
  .contact-info .v{font-size:1rem;}
  .contact-info .v a{text-decoration:none; border-bottom:1px solid var(--line);}

  form{display:flex; flex-direction:column; gap:16px;}
  .field label{
    display:block; font-size:0.78rem; font-family:'IBM Plex Mono', monospace;
    color:var(--text-muted); margin-bottom:8px;
  }
  .field input, .field select, .field textarea{
    width:100%; padding:13px 14px;
    border:1px solid var(--line); background:var(--paper);
    border-radius:var(--radius); font-family:'Inter', sans-serif; font-size:0.95rem;
    color:var(--ink);
  }
  .field input:focus, .field select:focus, .field textarea:focus{
    outline:2px solid var(--emerald); outline-offset:1px;
  }
  .field textarea{resize:vertical; min-height:90px;}
  .form-submit{
    margin-top:6px;
    padding:15px; border:none; background:var(--ink); color:#fff;
    font-weight:600; font-size:0.95rem; border-radius:var(--radius); cursor:pointer;
    transition:background .2s;
  }
  .form-submit:hover{background:var(--emerald-d);}
  .form-note{font-size:0.78rem; color:var(--text-muted);}

  /* ---------- FOOTER ---------- */
  footer{
    background:var(--ink); color:rgba(250,247,241,0.55);
    padding:40px 0;
    font-size:0.85rem;
  }
  footer .wrap{
    display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:12px;
  }
  footer .brand{color:#fff;}
  footer .brand .dot{color:var(--gold);}

  /* focus visibility */
  a:focus-visible, button:focus-visible{outline:2px solid var(--emerald); outline-offset:2px;}