/* Monika Mac – motyw D „Magazyn” (czerń, biel, czerwień) */
:root{
  --black:#111111; --white:#ffffff; --paper:#f7f5f2; --red:#c8102e; --red-dark:#a50d26; --red-soft:#fbe9ec;
  --muted:#6d6a66; --line:#dcd8d2;
  --serif:'Playfair Display',Georgia,serif; --sans:'Work Sans',system-ui,sans-serif;
  --photo:url('../img/monika-mac.jpg');
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);background:var(--paper);color:var(--black);font-size:17px;line-height:1.65}
a{color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
h1,h2,h3,h4{font-family:var(--serif);font-weight:700;line-height:1.08}
h2{font-size:clamp(32px,4.2vw,56px);margin-bottom:16px}
h1 em,h2 em{font-style:italic;font-weight:500;color:var(--red)}
.kicker{font-size:12px;letter-spacing:.24em;text-transform:uppercase;font-weight:600;border-top:2px solid var(--black);padding-top:10px;margin-bottom:22px;display:flex;justify-content:space-between;gap:12px}
.kicker span:last-child{color:var(--muted)}
.lead{font-size:19px;color:var(--muted);max-width:640px}
section{padding:96px 0}
.white{background:#fff}
.btn{display:inline-block;padding:16px 30px;font-weight:600;text-decoration:none;font-size:14px;letter-spacing:.08em;text-transform:uppercase;border:2px solid var(--black);text-align:center;cursor:pointer;font-family:var(--sans)}
.btn-red{background:var(--red);border-color:var(--red);color:#fff}
.btn-red:hover{background:var(--red-dark);border-color:var(--red-dark)}
.btn-out{background:transparent}
.btn-out:hover{background:var(--black);color:#fff}
.btn-white{background:#fff;color:var(--black);border-color:#fff}
.btns{display:flex;gap:12px;flex-wrap:wrap}

/* top bar + header */
.top{border-bottom:1px solid var(--line);font-size:13px;color:var(--muted)}
.top .wrap{display:flex;justify-content:space-between;padding-top:8px;padding-bottom:8px;gap:12px}
.top a{text-decoration:none}
header.site{background:var(--paper);position:sticky;top:0;z-index:40;border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;justify-content:space-between;align-items:center;height:80px;gap:20px}
.logo{font-family:var(--serif);font-size:28px;font-weight:700;text-decoration:none;letter-spacing:-.01em;white-space:nowrap}
.logo i{color:var(--red)}
.logo small{display:block;font-family:var(--sans);font-size:10px;letter-spacing:.22em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-top:-2px}
.menu{display:flex;gap:26px;font-size:13px;text-transform:uppercase;letter-spacing:.12em;font-weight:500;align-items:center}
.menu a{text-decoration:none;padding:6px 0}
.menu a:hover,.menu a.on{color:var(--red)}
.menu .has-sub{position:relative}
.menu .sub{display:none;position:absolute;top:100%;left:-18px;background:#fff;border:1px solid var(--line);min-width:260px;padding:10px 0;box-shadow:0 20px 40px #0000001a}
.menu .sub a{display:block;padding:10px 18px;text-transform:none;letter-spacing:0;font-size:15px}
.menu .has-sub:hover .sub,.menu .has-sub:focus-within .sub{display:block}
.menu .cta{background:var(--red);color:#fff;padding:12px 18px}
.menu .cta:hover{color:#fff;background:var(--red-dark)}
.burger{display:none;background:none;border:2px solid var(--black);width:46px;height:42px;font-size:20px;cursor:pointer}

/* home: cover */
.cover{display:grid;grid-template-columns:1fr 1fr;min-height:640px;background:var(--black);color:#fff;padding:0}
.cover .ph{background:var(--photo) 50% 18%/cover no-repeat;position:relative;filter:grayscale(100%) contrast(1.05)}
.cover .ph::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,transparent 60%,#111 100%)}
.cover .tx{padding:70px 60px;display:flex;flex-direction:column;justify-content:center}
.cover .issue{font-size:12px;letter-spacing:.24em;text-transform:uppercase;color:#ffffff99;margin-bottom:24px}
.cover h1{font-size:clamp(42px,5.4vw,78px);margin-bottom:24px}
.cover p{font-size:19px;color:#ffffffcc;max-width:500px;margin-bottom:34px}
.cover .btn-out{color:#fff;border-color:#fff}
.cover .btn-out:hover{background:#fff;color:var(--black)}
.cover .sig{margin-top:40px;font-family:var(--serif);font-style:italic;font-size:22px}
.cover .sig small{display:block;font-family:var(--sans);font-style:normal;font-size:12px;color:#ffffff88;letter-spacing:.14em;text-transform:uppercase}

.nums{display:grid;grid-template-columns:repeat(4,1fr);border-bottom:1px solid var(--line)}
.nums div{padding:34px 20px;border-right:1px solid var(--line)}
.nums div:last-child{border:0}
.nums b{font-family:var(--serif);font-size:46px;display:block;line-height:1}
.nums b i{color:var(--red);font-style:normal}
.nums small{color:var(--muted);font-size:14px}

/* table of contents (services) */
.toc{display:grid;grid-template-columns:1fr 1.4fr;gap:60px}
.toc ol{list-style:none;counter-reset:t}
.toc li{counter-increment:t;border-bottom:1px solid var(--line)}
.toc li a{display:grid;grid-template-columns:64px 1fr auto;gap:4px 16px;align-items:baseline;padding:22px 0;text-decoration:none}
.toc li a::before{content:counter(t,decimal-leading-zero);font-family:var(--serif);font-size:28px;color:var(--red);grid-row:span 2}
.toc li h3{font-size:26px}
.toc li p{color:var(--muted);font-size:15px;grid-column:2}
.toc li span{font-size:12px;letter-spacing:.14em;text-transform:uppercase;grid-row:1;grid-column:3}
.toc li a:hover h3{color:var(--red)}

/* about */
.ag{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:center}
.portrait{aspect-ratio:4/5;background:var(--photo) 50% 18%/cover;position:relative}
.portrait.bw{filter:grayscale(100%)}
.portrait figcaption{position:absolute;left:0;bottom:-30px;font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted)}
.pull{font-family:var(--serif);font-size:clamp(26px,3vw,40px);line-height:1.2;margin-bottom:26px}
.pull::before{content:"“";color:var(--red);font-size:1.6em;line-height:0;vertical-align:-.35em;margin-right:4px}
.dropcap::first-letter{float:left;font-family:var(--serif);font-size:74px;line-height:.85;padding:6px 10px 0 0;color:var(--red)}
.cols{columns:2;column-gap:36px;color:#333;font-size:16px}
.cols p{margin-bottom:14px}

/* chapters (process) */
.chap{display:grid;grid-template-columns:repeat(5,1fr);border-top:2px solid var(--black)}
.chap div{padding:28px 18px 0 0}
.chap small{font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--red);font-weight:600}
.chap h3{font-size:22px;margin:8px 0}
.chap p{font-size:15px;color:var(--muted)}

/* calculator */
.calc{background:var(--red);color:#fff}
.cg{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.calc h2 em{color:#fff;text-decoration:underline;text-decoration-thickness:3px;text-underline-offset:8px}
.calc .kicker{border-color:#fff}
.calc .kicker span:last-child{color:#ffffffaa}
.cf{display:grid;gap:20px;background:#fff;color:var(--black);padding:34px}
.cf label{display:flex;justify-content:space-between;font-size:13px;letter-spacing:.1em;text-transform:uppercase;font-weight:600}
.cf output{color:var(--red)}
.cf input[type=range]{width:100%;accent-color:var(--red)}
.cr{border-top:2px solid var(--black);padding-top:18px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.cr b{font-family:var(--serif);font-size:38px;display:block;line-height:1.1}
.cr small{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.1em}
.note{font-size:12px;color:var(--muted)}

/* quotes */
.tq{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:40px}
.tq blockquote{font-family:var(--serif);font-size:23px;line-height:1.3;border-left:3px solid var(--red);padding-left:20px}
.tq cite{display:block;font-family:var(--sans);font-style:normal;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-top:14px}

/* news grid */
.news{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px;margin-top:30px}
.news article{border-top:1px solid var(--black);padding-top:16px}
.news a{text-decoration:none}
.news a:hover h3{color:var(--red)}
.news small,.tagline{font-size:12px;letter-spacing:.2em;color:var(--red);text-transform:uppercase;font-weight:600}
.news h3{font-size:24px;margin:8px 0}
.news article:first-child h3{font-size:38px}
.news p{color:var(--muted);font-size:15px}
.more{display:inline-block;margin-top:30px;font-size:13px;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--red);text-decoration:none;border-bottom:2px solid var(--red)}

/* faq */
details{border-bottom:1px solid var(--line);padding:22px 0}
summary{cursor:pointer;font-family:var(--serif);font-size:23px;list-style:none;display:flex;justify-content:space-between;gap:20px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--red)}
details[open] summary::after{content:"−"}
details p,details ul{color:var(--muted);margin-top:10px;max-width:740px}
details ul{padding-left:20px}

/* banks */
.banks{display:grid;grid-template-columns:repeat(6,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line);margin-top:30px}
.banks span{border-right:1px solid var(--line);border-bottom:1px solid var(--line);height:90px;display:grid;place-items:center;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:#aaa}

.final{background:var(--black);color:#fff;text-align:center}
.final h2{font-size:clamp(40px,6vw,86px)}
.final p{color:#ffffffaa;margin:0 auto 34px;max-width:560px}

/* subpages */
.phead{background:var(--black);color:#fff;padding:70px 0 60px}
.crumbs{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#ffffff88;margin-bottom:22px}
.crumbs a{text-decoration:none}
.crumbs a:hover{color:#fff}
.phead h1{font-size:clamp(38px,5vw,68px);max-width:900px;margin-bottom:18px}
.phead p{font-size:19px;color:#ffffffbb;max-width:700px}
.phead .btns{margin-top:28px}
.phead .btn-out{color:#fff;border-color:#fff}
.layout{display:grid;grid-template-columns:1fr 340px;gap:60px;align-items:start}
.prose h2{font-size:clamp(28px,3vw,38px);margin:46px 0 14px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:24px;margin:30px 0 10px}
.prose p{margin-bottom:16px}
.prose ul,.prose ol{margin:0 0 18px 22px}
.prose li{margin-bottom:8px}
.prose li::marker{color:var(--red)}
.prose strong{font-weight:600}
.prose table{width:100%;border-collapse:collapse;margin:10px 0 24px;font-size:15px;background:#fff}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--black);color:#fff;font-weight:600}
.prose .box{background:#fff;border-left:4px solid var(--red);padding:20px 24px;margin:24px 0}
.prose .box p:last-child{margin:0}
.aside{position:sticky;top:110px;display:grid;gap:18px}
.card{background:#fff;padding:28px;border-top:4px solid var(--red)}
.card h3{font-size:24px;margin-bottom:10px}
.card p{font-size:15px;color:var(--muted);margin-bottom:16px}
.card .btn{width:100%;margin-top:8px}
.card .mini{display:flex;gap:14px;align-items:center;margin-bottom:14px}
.card .mini span{width:58px;height:58px;border-radius:50%;background:var(--photo) 50% 22%/170%;flex:none;filter:grayscale(100%)}
.card .mini b{font-family:var(--serif);font-size:19px;display:block}
.card .mini small{font-size:12px;color:var(--muted);letter-spacing:.1em;text-transform:uppercase}
.card ul{list-style:none;font-size:15px}
.card li{padding:8px 0;border-bottom:1px solid var(--line)}
.card li a{text-decoration:none}
.card li a:hover{color:var(--red)}
.steps-list{counter-reset:s;list-style:none;margin:20px 0 24px!important}
.steps-list li{counter-increment:s;padding:16px 0 16px 64px;position:relative;border-bottom:1px solid var(--line);margin:0!important}
.steps-list li::before{content:counter(s,decimal-leading-zero);position:absolute;left:0;top:10px;font-family:var(--serif);font-size:30px;color:var(--red)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tile{background:#fff;padding:26px;border-top:2px solid var(--black)}
.tile h3{font-size:22px;margin-bottom:8px}
.tile p{color:var(--muted);font-size:15px}

/* forms */
form.contact{display:grid;gap:16px;background:#fff;padding:34px}
form.contact label{font-size:12px;letter-spacing:.12em;text-transform:uppercase;font-weight:600;display:grid;gap:6px}
form.contact input,form.contact select,form.contact textarea{font:inherit;font-size:16px;padding:14px;border:1px solid var(--line);background:var(--paper);border-radius:0;text-transform:none;letter-spacing:0;font-weight:400}
form.contact input:focus,form.contact select:focus,form.contact textarea:focus{outline:2px solid var(--red);border-color:var(--red)}
form.contact .consent{display:flex;gap:10px;font-size:13px;text-transform:none;letter-spacing:0;font-weight:400;color:var(--muted)}
form.contact .consent input{width:18px;height:18px;flex:none;margin-top:2px}
.ok-msg{display:none;background:var(--red-soft);border-left:4px solid var(--red);padding:16px}
.err-msg{display:none;background:#fff4f4;border-left:4px solid #b00020;padding:16px;font-size:15px}
.map{aspect-ratio:16/10;background:repeating-linear-gradient(45deg,#ece8e2,#ece8e2 12px,#f3f0eb 12px,#f3f0eb 24px);display:grid;place-items:center;color:var(--muted);font-size:13px;letter-spacing:.14em;text-transform:uppercase}
.map iframe{width:100%;height:100%;border:0;display:block}

/* footer */
footer.site{background:var(--black);color:#ffffff99;padding:60px 0 40px;font-size:14px}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px}
footer.site h4{color:#fff;font-size:20px;margin-bottom:12px}
footer.site a{text-decoration:none;display:block;padding:3px 0}
footer.site a:hover{color:#fff}
footer.site .legal{border-top:1px solid #ffffff22;margin-top:40px;padding-top:20px;font-size:12px;line-height:1.7}
.sticky{display:none}

@media (max-width:980px){
  body{font-size:16px}
  .top{display:none}
  .burger{display:block}
  .menu{display:none;position:absolute;top:80px;left:0;right:0;background:var(--paper);flex-direction:column;align-items:stretch;gap:0;border-bottom:2px solid var(--black);padding:10px 20px 20px;max-height:calc(100vh - 80px);overflow:auto}
  .menu.open{display:flex}
  .menu > a,.menu .has-sub > a{padding:14px 0;border-bottom:1px solid var(--line)}
  .menu .sub{display:block;position:static;border:0;box-shadow:none;padding:0 0 8px 14px;background:none;min-width:0}
  .menu .sub a{padding:8px 0;font-size:15px}
  .menu .cta{margin-top:14px;text-align:center}
  .cover,.toc,.ag,.cg,.layout,.grid2{grid-template-columns:1fr}
  .grid3{grid-template-columns:1fr}
  .cover .ph{min-height:420px}
  .cover .ph::after{background:linear-gradient(180deg,transparent 60%,#111 100%)}
  .cover .tx{padding:40px 20px}
  .nums{grid-template-columns:1fr 1fr}
  .nums div:nth-child(2){border-right:0}
  .chap,.tq,.news{grid-template-columns:1fr}
  .chap div{border-bottom:1px solid var(--line);padding-bottom:20px}
  .cols{columns:1}
  .banks{grid-template-columns:repeat(3,1fr)}
  .aside{position:static}
  .fgrid{grid-template-columns:1fr 1fr}
  section{padding:64px 0}
  footer.site{padding-bottom:110px}
  .sticky{display:grid;grid-template-columns:1fr 1fr 1fr;position:fixed;bottom:0;left:0;right:0;background:var(--black);z-index:50}
  .sticky a{color:#fff;text-align:center;padding:16px 0;text-decoration:none;font-size:13px;letter-spacing:.1em;text-transform:uppercase;font-weight:600}
  .sticky a:last-child{background:var(--red)}
}
@media (max-width:520px){
  .fgrid{grid-template-columns:1fr}
  .prose table{display:block;overflow-x:auto}
}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
@media (max-width:980px){.grid4{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.grid4{grid-template-columns:1fr}}

/* logo z wizytówki */
.logo img{height:56px;width:auto}
.cover-mark{width:70px;height:auto;margin-bottom:26px;opacity:.95}
footer.site .flogo{width:80px;height:auto;margin-bottom:18px}
.final{position:relative;overflow:hidden}
.final .wrap{position:relative;z-index:1}
.final-mark{position:absolute;right:-60px;top:50%;transform:translateY(-50%);width:460px;max-width:60%;opacity:.07;pointer-events:none}
@media (max-width:980px){.logo img{height:44px}.final-mark{right:-40px;width:300px}}
.logo{display:flex;align-items:center;gap:14px}
.logo-txt{display:block;line-height:1.1}
.logo img{height:52px}
@media (max-width:980px){.logo img{height:40px}.logo{font-size:23px;gap:10px}}
.menu a{white-space:nowrap}
@media (min-width:981px) and (max-width:1180px){.menu{gap:16px;font-size:12px}.menu .cta{padding:10px 12px}}
header.site .wrap,.top .wrap{max-width:1360px}
header.site .wrap{gap:40px}
@media (min-width:981px) and (max-width:1280px){.logo-txt small{display:none}}

/* nazwa przy logo – szerokość równa podpisowi „Ekspert kredytów hipotecznych” */
header.site .wrap{height:92px}
.logo{font-size:45px;line-height:1;gap:16px}
.logo img{height:66px}
.logo-txt{line-height:.95}
.logo-txt small{font-size:10px;letter-spacing:.22em;margin-top:6px;margin-right:-.22em}
@media (min-width:981px) and (max-width:1280px){.logo{font-size:34px}.logo img{height:52px}}
@media (max-width:980px){
  header.site .wrap{height:76px}
  .menu{top:76px}
  .logo{font-size:30px;gap:10px}
  .logo img{height:46px}
  .logo-txt small{font-size:9px;letter-spacing:0;margin-right:0;margin-top:4px}
}

/* banki */
.banks{grid-template-columns:repeat(4,1fr)}
.banks a{border-right:1px solid var(--line);border-bottom:1px solid var(--line);height:96px;display:grid;place-items:center;padding:14px 18px;background:#fff;transition:background .2s}
.banks a img{width:100%;max-width:170px;height:auto;opacity:.75;transition:opacity .2s}
.banks a:hover{background:var(--paper)}
.banks a:hover img{opacity:1}
.banks .banks-more{font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--red);text-decoration:none;text-align:center;line-height:1.5;background:var(--paper)}
.bank-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-bottom:56px}
.bank{background:#fff;padding:24px;border-top:2px solid var(--black);scroll-margin-top:110px}
.bank:target{outline:2px solid var(--red)}
.bank img{width:100%;max-width:200px;height:auto;margin-bottom:16px}
.bank h3{font-size:22px;margin-bottom:6px}
.bank p{font-size:14px;color:var(--muted);line-height:1.5}
@media (max-width:980px){.banks{grid-template-columns:repeat(2,1fr)}.bank-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.banks{grid-template-columns:repeat(2,1fr)}.bank-grid{grid-template-columns:1fr}}

/* oryginalne logotypy banków (kolorowe) */
.banks a img.official{width:auto;max-width:170px;max-height:56px;opacity:1}
.bank img.official{width:auto;max-width:200px;max-height:70px;margin-bottom:16px}
.bank .logo-box{height:80px;display:flex;align-items:center;margin-bottom:16px}
.bank .logo-box img{margin-bottom:0}
.banks a{height:104px;padding:10px 18px}
.banks a img.official{max-height:72px}

/* strona główna: logotypy banków w skali szarości, kolor po najechaniu myszką (podstrona Banki bez zmian) */
.banks a img.official{filter:grayscale(100%);opacity:.7;transition:filter .3s,opacity .3s}
.banks a:hover img.official,.banks a:focus-visible img.official{filter:none;opacity:1}
@media (hover:none){.banks a img.official{filter:none;opacity:1}}