/* IURISO – kredyty frankowe i walutowe */
:root{
  --navy:#0b2545;
  --navy-dark:#081a33;
  --gold:#c9a45c;
  --gold-text:#8a6a2b;
  --ink:#1b2433;
  --muted:#46505f;
  --line:#dfe4ec;
  --sand:#f4f1ea;
  --sand-line:#e6dfd0;
  --serif:'Cormorant Garamond',Georgia,'Times New Roman',serif;
  --sans:'Manrope',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
html,body{overflow-x:clip}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--ink);background:#fff}
img,svg{display:block}
a{color:var(--navy)}
a:hover{color:var(--gold-text)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
h1,h2,h3,p,ul,ol{margin:0}
ul,ol{padding:0;list-style:none}

.wrap{max-width:1200px;margin:0 auto;padding:0 32px}
.skip{position:absolute;left:-9999px;top:0;background:#fff;color:var(--navy);padding:12px 16px;z-index:10}
.skip:focus{left:16px;top:16px}

.eyebrow{font-size:13px;letter-spacing:.22em;text-transform:uppercase;font-weight:600;color:var(--gold-text);margin-bottom:14px}
.dark .eyebrow{color:var(--gold)}
.h2{font-family:var(--serif);font-weight:600;font-size:clamp(36px,4.4vw,50px);line-height:1.08;color:var(--navy)}
.dark .h2{color:#fff}
.section{padding:112px 0}

/* Przyciski */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:56px;padding:0 30px;text-decoration:none;font-weight:600;transition:background .2s,color .2s,border-color .2s}
.btn-gold{background:var(--gold);color:var(--navy-dark);font-weight:700}
.btn-gold:hover{background:#d8b878;color:var(--navy-dark)}
.btn-line{border:1px solid #5d7699;color:#fff}
.btn-line:hover{border-color:var(--gold);color:#fff}
.btns{display:flex;flex-wrap:wrap;gap:14px}

/* Nagłówek */
.header{background:var(--navy-dark);color:#fff;position:sticky;top:0;z-index:5}
.header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 32px;padding-top:16px;padding-bottom:16px}
.logo{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none}
.logo:hover{color:#fff}
.logo-text{display:flex;flex-direction:column;line-height:1.1}
.logo-name{font-family:var(--serif);font-size:26px;font-weight:600;letter-spacing:.14em}
.logo-sub{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:#a9b9cd}
.nav{display:flex;flex-wrap:wrap;align-items:center;gap:8px 28px;font-size:15px}
.nav a{color:#dbe4ef;text-decoration:none}
.nav a:hover{color:var(--gold)}
.nav .nav-phone{display:inline-flex;align-items:center;min-height:44px;padding:0 20px;border:1px solid var(--gold);color:#fff;font-weight:600}

/* Hero */
.hero{background:var(--navy);color:#fff}
.hero .wrap{display:flex;flex-wrap:wrap;gap:56px;align-items:center;padding-top:104px;padding-bottom:112px}
.hero-main{flex:999 1 560px;min-width:0}
.hero-kicker{font-size:13px;letter-spacing:.24em;text-transform:uppercase;color:var(--gold);margin-bottom:22px}
.hero h1{font-family:var(--serif);font-weight:600;font-size:clamp(42px,5.6vw,68px);line-height:1.04;margin-bottom:26px}
.hero h1 span{display:block;font-style:italic;font-weight:500;color:var(--gold)}
.hero-lead{max-width:600px;font-size:19px;color:#c9d5e4;margin-bottom:40px}
.hero-card{flex:1 1 340px;min-width:0;background:#fff;color:var(--ink);padding:40px 36px;box-shadow:0 30px 60px rgba(3,12,28,.35)}
.hero-card .eyebrow{font-size:12px;letter-spacing:.2em;margin-bottom:6px}
.hero-card-title{font-family:var(--serif);font-size:30px;font-weight:600;line-height:1.15;color:var(--navy);margin-bottom:24px}
.checks{display:flex;flex-direction:column;gap:14px;margin-bottom:24px}
.checks li{display:flex;gap:12px}
.checks svg{flex:none;margin-top:4px}
.hero-note{padding-top:18px;border-top:1px solid #e3e8ef;font-size:14px;color:#5a6577}

/* Pasek */
.strip{background:var(--sand);border-bottom:1px solid var(--sand-line)}
.strip ul{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px 32px;padding:22px 0;font-size:15px;font-weight:600;color:var(--navy)}

/* Waluty */
.intro{display:flex;flex-wrap:wrap;gap:24px 64px;align-items:flex-end;margin-bottom:56px}
.intro>*{flex:1 1 420px;min-width:0}
.intro p{color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px}
.card{border:1px solid var(--line);padding:40px 34px;display:flex;flex-direction:column;gap:14px}
.card-code{font-family:var(--serif);font-size:64px;line-height:1;font-weight:600;color:var(--navy)}
.card h3{font-size:20px;color:var(--navy)}
.card p{color:var(--muted)}
.card .card-foot{margin-top:auto;padding-top:16px;border-top:1px solid #e3e8ef;font-size:14px;font-weight:600;color:var(--gold-text)}
.band{margin-top:24px;background:var(--navy);color:#fff;padding:36px 40px;display:flex;flex-wrap:wrap;gap:16px 48px;align-items:center}
.band h3{flex:1 1 260px;font-family:var(--serif);font-size:32px;font-weight:600;line-height:1.15}
.band p{flex:999 1 480px;min-width:0;color:#c9d5e4}

/* Ustawa */
.law{background:var(--sand)}
.law-grid{display:flex;flex-wrap:wrap;gap:48px 72px}
.law-side{flex:1 1 340px;min-width:0}
.law-side .h2{margin-bottom:22px}
.law-side>p{color:var(--muted);margin-bottom:24px}
.law-side .law-note{padding:20px 22px;background:#fff;border:1px solid var(--sand-line);font-size:15px;color:var(--muted);margin:0}
.law-points{flex:999 1 560px;min-width:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1px;background:var(--sand-line);border:1px solid var(--sand-line);align-self:flex-start}
.law-points div{background:#fff;padding:34px 30px}
.law-points h3{font-family:var(--serif);font-size:26px;font-weight:600;color:var(--navy);line-height:1.2;margin-bottom:10px}
.law-points p{font-size:16px;color:var(--muted)}

/* Etapy */
.steps-title{max-width:720px;margin-bottom:56px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:40px 32px}
.steps li{border-top:2px solid var(--navy);padding-top:24px}
.steps .num{display:block;font-family:var(--serif);font-size:44px;line-height:1;color:var(--gold-text);margin-bottom:14px}
.steps h3{font-size:20px;color:var(--navy);margin-bottom:10px}
.steps p{font-size:16px;color:var(--muted)}

/* Pytania */
.faq{background:#f7f8fa;border-top:1px solid #e3e8ef}
.faq .wrap{display:flex;flex-wrap:wrap;gap:40px 72px}
.faq-side{flex:1 1 300px;min-width:0}
.faq-list{flex:999 1 600px;min-width:0;border-top:1px solid #cfd7e2}
.faq details{border-bottom:1px solid #cfd7e2;padding:24px 0}
.faq summary{display:flex;justify-content:space-between;gap:24px;font-size:19px;font-weight:600;color:var(--navy);cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary h3{font-size:inherit;font-weight:inherit}
.faq .plus{flex:none;font-size:26px;line-height:1;color:var(--gold-text);transition:transform .2s}
.faq details[open] .plus{transform:rotate(45deg)}
.faq details p{margin-top:14px;color:var(--muted)}

/* Kontakt */
.contact{background:var(--navy);color:#fff}
.contact .wrap{display:flex;flex-wrap:wrap;gap:56px 72px}
.contact-main{flex:999 1 560px;min-width:0}
.contact-main .h2{font-size:clamp(38px,4.6vw,54px);margin-bottom:18px}
.contact-main>p{max-width:600px;color:#c9d5e4;margin-bottom:32px}
.contact-side{flex:1 1 300px;min-width:0;display:flex;flex-direction:column;gap:40px;border-left:1px solid #23406a;padding-left:40px}
.contact-data{display:flex;flex-direction:column;gap:24px;font-style:normal}
.contact .label{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:#9fb3cb;margin-bottom:6px}
.contact a{color:#fff}
.contact a:hover{color:var(--gold)}
.docs-box{padding-top:32px;border-top:1px solid #23406a}
.docs{display:flex;flex-direction:column;gap:8px;margin:6px 0 14px;font-size:15px}
.docs li{display:flex;gap:12px}
.docs span{color:var(--gold)}
.docs-note{font-size:14px;color:#c9d5e4}

.meet{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin-bottom:40px}
.meet li{display:flex;gap:16px;align-items:flex-start;padding:22px 22px;border:1px solid #23406a;background:rgba(8,26,51,.45)}
.meet svg{flex:none;margin-top:2px}
.meet h3{font-size:17px;color:#fff;margin-bottom:4px}
.meet p{font-size:15px;color:#c9d5e4;line-height:1.5}

/* Formularz */
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 20px;margin-bottom:20px}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.field-wide{grid-column:1/-1}
.field label{font-size:14px;font-weight:600;color:#dbe4ef}
.field .opt{font-weight:400;color:#9fb3cb}
.field input,.field select,.field textarea{width:100%;min-height:50px;padding:12px 14px;font:inherit;font-size:16px;color:#fff;background:var(--navy-dark);border:1px solid #3d5677;border-radius:0;transition:border-color .2s}
.field textarea{min-height:140px;resize:vertical;line-height:1.5}
.field select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%23c9a45c' stroke-width='1.6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:40px}
.field select option{color:#1b2433;background:#fff}
.field ::placeholder{color:#7f93ad}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold)}
.field input:user-invalid,.field textarea:user-invalid{border-color:#e08a7a}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{font-size:13px;line-height:1.55;color:#9fb3cb;margin-bottom:24px;max-width:640px}
.form-note a{color:#c9d5e4}
.form .btn{border:0;cursor:pointer;font:inherit;font-weight:700}

/* Strony komunikatów */
.msg{min-height:calc(100vh - 182px);display:flex;align-items:center;background:var(--navy);color:#fff}
.msg .wrap{padding-top:96px;padding-bottom:96px;max-width:760px}
.msg h1{font-family:var(--serif);font-weight:600;font-size:clamp(38px,5vw,56px);line-height:1.08;margin-bottom:20px}
.msg p{color:#c9d5e4;margin-bottom:32px}
.msg p a{color:#fff}
.msg p a:hover{color:var(--gold)}

/* Stopka */
.footer{background:var(--navy-dark);color:#9fb3cb;font-size:14px;line-height:1.6}
.footer .wrap{display:flex;flex-wrap:wrap;gap:16px 48px;justify-content:space-between;padding-top:40px;padding-bottom:40px}
.footer a{color:#c9d5e4}
.footer a:hover{color:var(--gold)}

/* Podstrona tekstowa */
.doc{max-width:820px;margin:0 auto;padding:80px 32px 112px}
.doc h1{font-family:var(--serif);font-weight:600;font-size:clamp(36px,4.4vw,50px);line-height:1.1;color:var(--navy);margin-bottom:32px}
.doc h2{font-size:20px;color:var(--navy);margin:36px 0 10px}
.doc p,.doc li{color:var(--muted)}
.doc ul{list-style:disc;padding-left:22px;display:flex;flex-direction:column;gap:6px}
.doc p+p{margin-top:12px}

/* Telefon */
@media (max-width:760px){
  body{font-size:16px}
  .wrap{padding:0 20px}
  .section{padding:80px 0}
  .nav a:not(.nav-phone){display:none}
  .hero .wrap{padding-top:64px;padding-bottom:72px;gap:40px}
  .hero-card{padding:32px 24px}
  .btn{width:100%}
  .band{padding:28px 24px}
  .contact-side{border-left:0;padding-left:0;border-top:1px solid #23406a;padding-top:40px}
  .form-grid{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
section[id]{scroll-margin-top:84px}