/*
 * Private Debt - warstwa wyglądu marki nad szablonem (main9.css).
 * Jasny, przestronny układ: atramentowy tekst, jeden kolor akcentu (--pd-accent, także kropka w logo).
 * Kroje Lexend (nagłówki, logo) i Source Sans 3 (treść), hostowane lokalnie w assets/fonts/pd (licencja OFL).
 */

@font-face {
	font-family: "Lexend Variable";
	font-style: normal;
	font-display: swap;
	font-weight: 100 900;
	src: url(../fonts/pd/lexend-latin-ext-wght-normal.woff2) format("woff2-variations");
	unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
	font-family: "Lexend Variable";
	font-style: normal;
	font-display: swap;
	font-weight: 100 900;
	src: url(../fonts/pd/lexend-latin-wght-normal.woff2) format("woff2-variations");
	unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
	font-family: "Source Sans 3 Variable";
	font-style: normal;
	font-display: swap;
	font-weight: 200 900;
	src: url(../fonts/pd/source-sans-3-latin-ext-wght-normal.woff2) format("woff2-variations");
	unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
	font-family: "Source Sans 3 Variable";
	font-style: normal;
	font-display: swap;
	font-weight: 200 900;
	src: url(../fonts/pd/source-sans-3-latin-wght-normal.woff2) format("woff2-variations");
	unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

:root {
	/* marka */
	--pd-ink: #172033;          /* nagłówki, logo, menu */
	--pd-text: #3E4656;         /* treść */
	--pd-muted: #5B6474;        /* opisy, okruszki */
	--pd-line: #E3E6EB;
	--pd-surface: #F5F6F8;      /* pasy sekcji */
	--pd-accent: #1D6A4F;       /* przyciski, kropka w logo, podkreślenia */
	--pd-accent-hover: #155440;
	--pd-accent-tint: #EDF4F0;  /* jasne tło w kolorze akcentu */
	--pd-on-accent: #fff;
	--pd-accent-on-dark: #4DB386; /* akcent na ciemnych tłach (ciemna zieleń ginie na atramencie) */
	--pd-dark: #1E2023;         /* stopka, ciemne sekcje - grafit bez niebieskiego odcienia */

	--pd-font-head: "Lexend Variable", "Segoe UI", Arial, sans-serif;
	--pd-font-body: "Source Sans 3 Variable", "Segoe UI", Arial, sans-serif;
	--pd-gutter: clamp(16px, 4vw, 48px);
	--pd-header-h: 80px;
	/* jedna siatka dla wszystkich sekcji "tytuł | treść" (5 + 7 z 12 kolumn) */
	--pd-split-cols: minmax(0, 5fr) minmax(0, 7fr);
	--pd-split-gap: clamp(40px, 6vw, 96px);

	/* zmienne szablonu - przestawione na markę */
	--thm-font: var(--pd-font-body);
	--heading-font: var(--pd-font-head);
	--thm-color: var(--pd-text);
	--thm-base: var(--pd-accent);
	--thm-primary: var(--pd-ink);
	--thm-black: var(--pd-dark);
}

/* ---------- typografia ---------- */

body {
	font-family: var(--pd-font-body);
	font-size: 17px;
	line-height: 1.6;
	color: var(--pd-text);
	background: #fff;
}

h1, h2, h3, h4, h5, h6,
.block-title h2,
.page-header .container h1,
.page-header .container h2 {
	font-family: var(--pd-font-head);
	font-weight: 600;
	letter-spacing: -0.02em;
	color: var(--pd-ink);
}

h1, .page-header .container h1 {
	font-size: clamp(2rem, 1.35rem + 2.4vw, 3.25rem);
	line-height: 1.1;
}

h2, .block-title h2 {
	font-size: clamp(1.6rem, 1.25rem + 1.3vw, 2.25rem);
	line-height: 1.2;
}

h3 {
	font-size: clamp(1.2rem, 1.1rem + 0.4vw, 1.4rem);
	line-height: 1.3;
}

a {
	color: var(--pd-ink);
	text-underline-offset: 3px;
}

:focus-visible {
	outline: 2px solid var(--pd-accent);
	outline-offset: 3px;
}

/* przyciski szablonu: kolor akcentu */
.thm-btn {
	background-color: var(--pd-accent);
	color: var(--pd-on-accent);
	font-family: var(--pd-font-head);
	font-weight: 500;
	border-radius: 999px;
}

.thm-btn:hover,
.thm-btn:focus-visible {
	background-color: var(--pd-accent-hover);
	color: var(--pd-on-accent);
}

/* ---------- logo ---------- */

.pd-logo {
	display: block;
	width: auto;
	height: 30px;
}

.pd-logo__word {
	fill: var(--pd-ink);
}

.pd-logo__dot {
	fill: var(--pd-accent);
}

/* ---------- nagłówek ---------- */

/* szablon ma overflow:hidden na .page-wrapper, co wyłącza position:sticky nagłówka; clip przycina tak samo, ale nie tworzy kontenera przewijania */
.page-wrapper {
	overflow: visible;
	overflow-x: clip;
}

.pd-header {
	position: sticky;
	top: 0;
	z-index: 1000;
	background: #fff;
	border-bottom: 1px solid var(--pd-line);
	color: var(--pd-ink);
	font-family: var(--pd-font-head);
}

.pd-header__bar {
	display: flex;
	align-items: center;
	gap: 32px;
	max-width: 1440px;
	min-height: var(--pd-header-h);
	margin: 0 auto;
	padding: 0 var(--pd-gutter);
}

.pd-header__logo {
	flex: none;
}

.pd-nav {
	margin-left: auto;
}

.pd-nav__list {
	display: flex;
	gap: 0 24px;
	margin: 0;
	padding: 0;
	list-style: none;
}

.pd-nav__toggle,
.pd-nav__link {
	display: inline-flex;
	align-items: center;
	gap: 6px;
	padding: 12px 0;
	border: 0;
	background: none;
	color: var(--pd-ink);
	font: 400 15px/1.2 var(--pd-font-head);
	text-decoration: none;
	cursor: pointer;
	/* podkreślenie wysuwane od lewej, jak w menu Blackstone */
	background-image: linear-gradient(var(--pd-accent), var(--pd-accent));
	background-repeat: no-repeat;
	background-position: 0 calc(100% - 4px);
	background-size: 0 2px;
	transition: background-size 0.3s ease;
}

.pd-nav__toggle:hover,
.pd-nav__link:hover,
.pd-nav__toggle[aria-expanded="true"],
.pd-nav__item.is-current > .pd-nav__toggle,
.pd-nav__item.is-current > .pd-nav__link {
	color: var(--pd-ink);
	background-size: 100% 2px;
}

/* przy otwartym panelu podkreślona jest tylko otwarta sekcja, nie bieżąca */
.pd-panel-open .pd-nav__item.is-current > .pd-nav__toggle[aria-expanded="false"]:not(:hover) {
	background-size: 0 2px;
}

.pd-nav__chevron {
	transition: transform 0.2s ease;
}

.pd-nav__toggle[aria-expanded="true"] .pd-nav__chevron {
	transform: rotate(180deg);
}

.pd-nav__contact {
	display: none;
}

.pd-header__burger {
	display: none;
}

/* strzałka w kółku - w panelach menu i kaflach */
.pd-arrow {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	flex: none;
	width: 32px;
	height: 32px;
	border: 1px solid currentColor;
	border-radius: 50%;
	transition: background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

/* ---------- panel sekcji ---------- */

.pd-panel {
	color: var(--pd-ink);
}

.pd-panel__title {
	display: inline-flex;
	align-items: center;
	gap: 14px;
	margin-bottom: 28px;
	color: var(--pd-ink);
	font: 600 26px/1.2 var(--pd-font-head);
	letter-spacing: -0.02em;
	text-decoration: none;
}

.pd-panel__title:hover {
	color: var(--pd-ink);
}

.pd-panel__title:hover .pd-arrow,
.pd-panel__feature:hover .pd-arrow {
	background: var(--pd-accent);
	border-color: var(--pd-accent);
	color: var(--pd-on-accent);
}

.pd-panel__groups {
	display: grid;
	grid-template-columns: repeat(4, minmax(0, 1fr));
	gap: 32px 32px;
}

.pd-panel__heading {
	display: block;
	margin: 0 0 12px;
	color: var(--pd-ink);
	font: 500 17px/1.3 var(--pd-font-head);
	text-decoration: none;
}

a.pd-panel__heading:hover {
	color: var(--pd-accent);
}

.pd-panel__links {
	margin: 0;
	padding: 0;
	list-style: none;
}

.pd-panel__links li + li {
	margin-top: 8px;
}

.pd-panel__links a {
	color: var(--pd-muted);
	font: 400 16px/1.35 var(--pd-font-body);
	text-decoration: none;
}

.pd-panel__links a:hover {
	color: var(--pd-ink);
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
}

.pd-panel__links .pd-panel__all {
	color: var(--pd-accent);
	font-weight: 600;
}

.pd-panel__feature {
	display: flex;
	flex-direction: column;
	align-self: start;
	gap: 10px;
	padding: 28px;
	background: var(--pd-accent-tint);
	border-radius: 12px;
	color: var(--pd-ink);
	text-decoration: none;
}

.pd-panel__feature:hover {
	color: var(--pd-ink);
}

.pd-panel__feature-title {
	font: 600 20px/1.25 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.pd-panel__feature-text {
	color: var(--pd-text);
	font: 400 16px/1.45 var(--pd-font-body);
}

.pd-panel__feature-cta {
	display: inline-flex;
	align-items: center;
	gap: 12px;
	padding-top: 14px;
	color: var(--pd-accent);
	font: 500 15px/1.2 var(--pd-font-head);
}

@media (min-width: 1200px) {
	.pd-panel {
		position: absolute;
		top: 100%;
		left: 0;
		right: 0;
		max-height: calc(100vh - var(--pd-header-h));
		overflow-y: auto;
		background: #fff;
		border-top: 1px solid var(--pd-line);
		box-shadow: 0 30px 50px rgba(23, 32, 51, 0.08);
	}

	.pd-panel__inner {
		display: grid;
		grid-template-columns: minmax(0, 1fr) 300px;
		gap: 56px;
		max-width: 1440px;
		margin: 0 auto;
		padding: 40px var(--pd-gutter) 48px;
	}

	/* strona pod otwartym panelem: jedna warstwa z rozmyciem tła (zamiast filter: blur na całej treści - tańsze dla INP) */
	.pd-panel-open body::after {
		content: "";
		position: fixed;
		inset: 0;
		z-index: 900;
		background: rgba(23, 32, 51, 0.24);
		-webkit-backdrop-filter: blur(3px);
		backdrop-filter: blur(3px);
	}
}

/* ---------- menu na telefonie i tablecie ---------- */

@media (max-width: 1199.98px) {
	:root {
		--pd-header-h: 64px;
	}

	.pd-logo {
		height: 26px;
	}

	.pd-header__burger {
		display: inline-flex;
		align-items: center;
		gap: 10px;
		margin-left: auto;
		padding: 10px 0;
		border: 0;
		background: none;
		color: var(--pd-ink);
		font: 400 15px/1 var(--pd-font-head);
		cursor: pointer;
	}

	.pd-header__burger-lines,
	.pd-header__burger-lines::before,
	.pd-header__burger-lines::after {
		display: block;
		width: 22px;
		height: 1.5px;
		background: currentColor;
		transition: transform 0.2s ease, opacity 0.2s ease;
	}

	.pd-header__burger-lines {
		position: relative;
	}

	.pd-header__burger-lines::before,
	.pd-header__burger-lines::after {
		content: "";
		position: absolute;
		left: 0;
	}

	.pd-header__burger-lines::before {
		top: -7px;
	}

	.pd-header__burger-lines::after {
		top: 7px;
	}

	.pd-header__burger[aria-expanded="true"] .pd-header__burger-lines {
		background: transparent;
	}

	.pd-header__burger[aria-expanded="true"] .pd-header__burger-lines::before {
		transform: translateY(7px) rotate(45deg);
	}

	.pd-header__burger[aria-expanded="true"] .pd-header__burger-lines::after {
		transform: translateY(-7px) rotate(-45deg);
	}

	.pd-nav {
		display: none;
		position: fixed;
		top: var(--pd-header-h);
		left: 0;
		right: 0;
		bottom: 0;
		margin: 0;
		padding: 8px var(--pd-gutter) 40px;
		overflow-y: auto;
		overscroll-behavior: contain;
		background: #fff;
		border-top: 1px solid var(--pd-line);
	}

	.pd-menu-open .pd-nav {
		display: block;
	}

	.pd-menu-open body {
		overflow: hidden;
	}

	.pd-nav__list {
		flex-direction: column;
	}

	.pd-nav__item {
		border-bottom: 1px solid var(--pd-line);
	}

	.pd-nav__toggle,
	.pd-nav__link {
		justify-content: space-between;
		width: 100%;
		padding: 18px 0;
		font-size: 19px;
		background-image: none;
	}

	.pd-nav__item.is-current > .pd-nav__toggle .pd-nav__label,
	.pd-nav__item.is-current > .pd-nav__link {
		color: var(--pd-accent);
	}

	.pd-panel__inner {
		padding: 0 0 24px;
	}

	.pd-panel__title {
		margin-bottom: 20px;
		font-size: 18px;
	}

	.pd-panel__title .pd-arrow {
		width: 28px;
		height: 28px;
	}

	.pd-panel__groups {
		grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
		gap: 24px;
	}

	/* wygodne pola dotyku (min. ~44 px) */
	.pd-panel__links li + li {
		margin-top: 0;
	}

	.pd-panel__links a {
		display: block;
		padding: 10px 0;
	}

	.pd-panel__feature {
		margin-top: 24px;
		padding: 22px;
	}

	.pd-nav__contact {
		display: block;
		margin: 28px 0 0;
	}

	.pd-nav__contact a {
		color: var(--pd-muted);
	}
}

/* ---------- przyciski marki ---------- */

.pd-btn {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	padding: 16px 28px;
	border-radius: 999px;
	background: var(--pd-accent);
	color: var(--pd-on-accent);
	font: 500 16px/1.2 var(--pd-font-head);
	text-decoration: none;
	transition: background-color 0.2s ease;
}

.pd-btn:hover,
.pd-btn:focus-visible {
	background: var(--pd-accent-hover);
	color: var(--pd-on-accent);
}

/* ---------- sekcja otwierająca strony głównej ---------- */

.pd-hero {
	position: relative;
	overflow: hidden;
	background: #fff;
}

/* kropka z logo w skali sekcji - jedyny dekoracyjny element strony głównej */
.pd-hero::before {
	content: "";
	position: absolute;
	top: -18%;
	right: -10%;
	width: min(64vw, 860px);
	aspect-ratio: 1;
	border-radius: 50%;
	background: var(--pd-accent-tint);
}

.pd-hero__inner {
	position: relative;
	display: grid;
	grid-template-columns: minmax(0, 1fr) minmax(0, 440px);
	gap: clamp(40px, 6vw, 104px);
	align-items: center;
	max-width: 1320px;
	margin: 0 auto;
	padding: clamp(40px, 5vw, 80px) var(--pd-gutter) clamp(48px, 5vw, 80px);
}

.pd-hero__title {
	max-width: 20ch;
	margin: 0;
	font-size: clamp(2.25rem, 1.4rem + 2.6vw, 3.4rem);
	line-height: 1.06;
	letter-spacing: -0.03em;
}

.pd-hero__lead {
	max-width: 54ch;
	margin: 28px 0 0;
	color: var(--pd-text);
	font-size: clamp(1.05rem, 1rem + 0.3vw, 1.2rem);
	line-height: 1.6;
}

.pd-hero__actions {
	display: flex;
	flex-wrap: wrap;
	align-items: center;
	gap: 16px 32px;
	margin-top: 36px;
}

.pd-hero__more {
	color: var(--pd-ink);
	font: 500 16px/1.2 var(--pd-font-head);
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
	text-decoration-thickness: 2px;
	text-underline-offset: 6px;
}

.pd-hero__more:hover {
	color: var(--pd-accent);
}

/* kalkulator jako karta w sekcji otwierającej: bez kolorowego nagłówka */
.pd-hero .pd-calc {
	border: 1px solid var(--pd-line);
	border-radius: 20px;
	box-shadow: 0 30px 60px rgba(23, 32, 51, 0.1);
}

.pd-hero .pd-calc__header {
	padding: 28px 28px 0;
	background: none;
	color: var(--pd-ink);
	text-align: left;
}

.pd-hero .pd-calc__header::after {
	display: none;
}

.pd-hero .pd-calc__title {
	color: var(--pd-ink);
	font-family: var(--pd-font-head);
	font-size: 22px;
	font-weight: 600;
	letter-spacing: -0.02em;
}

.pd-hero .pd-calc__subtitle {
	color: var(--pd-muted);
}

/* trzy ścieżki pod sekcją otwierającą */
.pd-paths {
	position: relative;
	border-top: 1px solid var(--pd-line);
	background: #fff;
}

.pd-paths__list {
	display: grid;
	grid-template-columns: repeat(3, minmax(0, 1fr));
	max-width: 1320px;
	margin: 0 auto;
	padding: 0 var(--pd-gutter);
	list-style: none;
}

.pd-paths__list li + li {
	border-left: 1px solid var(--pd-line);
}

.pd-paths__item {
	display: flex;
	flex-direction: column;
	gap: 10px;
	height: 100%;
	padding: 28px 32px;
	color: var(--pd-ink);
	text-decoration: none;
	transition: background-color 0.2s ease;
}

.pd-paths__list li:first-child .pd-paths__item {
	padding-left: 0;
}

.pd-paths__item:hover {
	background: var(--pd-surface);
	color: var(--pd-ink);
}

.pd-paths__title {
	font: 500 18px/1.35 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.pd-paths__link {
	color: var(--pd-accent);
	font: 500 15px/1.2 var(--pd-font-head);
	text-decoration: underline;
	text-underline-offset: 5px;
}

@media (max-width: 991.98px) {
	.pd-hero__inner {
		grid-template-columns: minmax(0, 1fr);
	}

	.pd-hero__calc {
		max-width: 520px;
	}

	.pd-hero::before {
		top: -8%;
		right: -45%;
		width: 110vw;
	}

	.pd-paths__list {
		grid-template-columns: minmax(0, 1fr);
	}

	.pd-paths__list li + li {
		border-left: 0;
		border-top: 1px solid var(--pd-line);
	}

	.pd-paths__item,
	.pd-paths__list li:first-child .pd-paths__item {
		padding: 22px 0;
	}
}

/* ---------- nagłówek podstrony ---------- */

.page-header {
	background: var(--pd-accent-tint) !important; /* nadpisuje inline background-image w modułach */
}

.page-header .container {
	padding-top: clamp(40px, 6vw, 72px);
	padding-bottom: clamp(36px, 5vw, 56px);
}

.page-header .container h1,
.page-header .container h2 {
	max-width: 22ch;
	margin: 0;
	color: var(--pd-ink);
}

.page-header .thm-breadcrumb {
	display: flex;
	flex-wrap: wrap;
	gap: 4px 8px;
	margin: 0 0 20px;
	padding: 0;
	background: none;
	border-radius: 0;
	color: var(--pd-muted);
	font-size: 15px;
	text-transform: none;
}

.page-header .thm-breadcrumb li,
.page-header .thm-breadcrumb li:first-child,
.page-header .thm-breadcrumb li:not(:last-of-type) {
	margin: 0;
	line-height: 1.4;
}

.page-header .thm-breadcrumb li a {
	padding: 0;
	color: var(--pd-ink);
	text-decoration: underline;
	text-decoration-color: rgba(23, 32, 51, 0.25);
}

.page-header .thm-breadcrumb li a:hover {
	color: var(--pd-ink);
	text-decoration-color: var(--pd-accent);
}

/* ---------- sekcje treści: pasy na całą szerokość zamiast kart z cieniem ---------- */

.about-one {
	padding: clamp(40px, 5vw, 64px) 0 clamp(24px, 3vw, 40px);
}

.feature-six,
.feature-six.mt-20,
.feature-six.mb-20 {
	margin: 0;
	padding: clamp(48px, 6vw, 80px) 0;
}

/* rytm teł podstron: zob. "Podstrony: system sekcji" na końcu pliku */

.feature-six__inner {
	padding: 0;
	background: none;
	box-shadow: none;
}

.feature-six__inner::before {
	display: none;
}

/* czytelna długość wiersza w tekstach ciągłych */
.about-one p,
.about-one ul,
.feature-six__inner > p,
.feature-six__inner > ul,
.feature-six__inner > ol {
	max-width: 72ch;
}

/* szablon justował akapity (dziury między słowami) i dawał im wcięcie z prawej */
.about-one__content p {
	padding-right: 0;
	text-align: left;
}

.about-one .hero-lead {
	margin-top: 0;
	color: var(--pd-ink);
	font-size: 1.2rem;
	line-height: 1.55;
}

/* nagłówki sekcji wyrównane do lewej, jak tekst pod nimi
   (!important, bo .text-center z Bootstrapa też go ma) */
.about-one .text-center,
.feature-six .text-center,
.page-wrapper .block-title.text-center,
.page-wrapper .text-center > p,
.page-wrapper p.text-center {
	text-align: left !important;
}

/* ciemne sekcje szablonu: linki muszą odcinać się od tła */
.trusted-company a,
.trusted-company a:hover {
	color: #fff;
	text-decoration: underline;
	text-decoration-color: rgba(255, 255, 255, 0.4);
}

/* kalkulator: przycisk jak pozostałe wezwania do działania */
.pd-calc .pd-calc__cta {
	border-radius: 999px;
	background: var(--pd-accent);
	color: var(--pd-on-accent);
	font-family: var(--pd-font-head);
	font-weight: 500;
}

.pd-calc .pd-calc__cta:hover {
	background: var(--pd-accent-hover);
	color: var(--pd-on-accent);
}

/* bez animacji wjazdu sekcji przy przewijaniu (wow.js + fadeInUp) - treść widoczna od razu */
.wow {
	visibility: visible !important;
	animation: none !important;
}

/* ==========================================================================
   Komponenty treści szablonu - wspólny wygląd na wszystkich stronach
   (prefiks .page-wrapper: style w <style> modułów są w <body>, więc wygrywają
   z tym plikiem przy równej specyficzności)
   ========================================================================== */

/* --- układ redakcyjny: nagłówek sekcji w lewej kolumnie, treść w prawej --- */
@media (min-width: 992px) {
	.page-wrapper .feature-six__inner:not(:has(.row, table:not(.pd-data), form, .pd-calc, .pd-ltv, .pd-steps)) {
		display: grid;
		grid-template-columns: var(--pd-split-cols);
		column-gap: var(--pd-split-gap);
		align-items: start;
	}

	.page-wrapper .feature-six__inner:not(:has(.row, table:not(.pd-data), form, .pd-calc, .pd-ltv, .pd-steps)) > .block-title {
		grid-column: 1;
		grid-row: 1 / span 40;
		position: sticky;
		top: calc(var(--pd-header-h) + 32px);
		margin-bottom: 0;
	}

	.page-wrapper .feature-six__inner:not(:has(.row, table:not(.pd-data), form, .pd-calc, .pd-ltv, .pd-steps)) > :not(.block-title) {
		grid-column: 2;
	}

	.page-wrapper .feature-six__inner:not(:has(.row, table:not(.pd-data), form, .pd-calc, .pd-ltv, .pd-steps)) > .block-title h2 {
		max-width: 14ch;
	}
}

/* sekcje z kartami/tabelą: nagłówek po lewej, wstęp po prawej, karty pod spodem na całą szerokość */
@media (min-width: 992px) {
	.page-wrapper .feature-six__inner:has(.row, table:not(.pd-data), .pd-steps) {
		display: grid;
		grid-template-columns: var(--pd-split-cols);
		column-gap: var(--pd-split-gap);
		align-items: start;
	}

	.page-wrapper .feature-six__inner:has(.row, table:not(.pd-data), .pd-steps) > * {
		grid-column: 1 / -1;
	}

	.page-wrapper .feature-six__inner:has(.row, table:not(.pd-data), .pd-steps) > .block-title {
		grid-column: 1;
		margin-bottom: 0;
	}

	.page-wrapper .feature-six__inner:has(.row, table:not(.pd-data), .pd-steps) > .block-title + p,
	.page-wrapper .feature-six__inner:has(.row, table:not(.pd-data), .pd-steps) > .block-title + p + p {
		grid-column: 2;
		margin-top: 0.35em;
	}

	/* "Krótka odpowiedź" na podstronach: wprowadzenie na całą szerokość, potem nagłówek | odpowiedź */
	.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) {
		display: grid;
		grid-template-columns: var(--pd-split-cols);
		column-gap: var(--pd-split-gap);
		align-items: start;
	}

	.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > * {
		grid-column: 2;
	}

	.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > .hero-lead {
		grid-column: 1 / -1;
		margin-bottom: clamp(32px, 4vw, 48px);
	}

	.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > .block-title {
		grid-column: 1;
		grid-row: 2 / span 20;
		margin: 0;
	}

	/* "Krótka odpowiedź czym jest Private Debt?" na stronie głównej */
	.page-wrapper .about-one__content {
		display: grid;
		grid-template-columns: var(--pd-split-cols);
		column-gap: var(--pd-split-gap);
		align-items: start;
	}

	.page-wrapper .about-one__content > * {
		grid-column: 2;
	}

	.page-wrapper .about-one__content > .block-title {
		grid-column: 1;
		grid-row: 1 / span 20;
		margin: 0;
	}
}

/* "Krótka odpowiedź": nagłówek mniejszy niż tytuły sekcji - to streszczenie, nie rozdział */
.page-wrapper .about-one .block-title h2 {
	font-size: clamp(1.4rem, 1.2rem + 0.8vw, 1.9rem);
}

.page-wrapper .about-one__content {
	margin-top: 0;
}

.page-wrapper .feature-six__inner > :first-child:not(.block-title) {
	margin-top: 0;
}

.page-wrapper .feature-six__inner h3 {
	margin: 32px 0 12px;
	font-size: 1.25rem;
}

.page-wrapper .feature-six__inner ul,
.page-wrapper .about-one ul {
	padding-left: 1.2em;
}

.page-wrapper .feature-six__inner li + li,
.page-wrapper .about-one li + li {
	margin-top: 6px;
}

.page-wrapper .feature-six__inner li::marker,
.page-wrapper .about-one li::marker {
	color: var(--pd-accent);
}

/* --- linki z ikoną strzałki w kółku (h4 > a > .fa-arrow-circle-right): zwykłe linki tekstowe --- */
.page-wrapper h4:has(> a > .fa-arrow-circle-right) {
	margin: 0;
	font: 500 17px/1.4 var(--pd-font-head);
	letter-spacing: -0.005em;
}

.page-wrapper h4:has(> a > .fa-arrow-circle-right) + h4:has(> a > .fa-arrow-circle-right) {
	margin-top: 12px;
}

.page-wrapper .block-title + h4:has(> a > .fa-arrow-circle-right),
.page-wrapper p + h4:has(> a > .fa-arrow-circle-right),
.page-wrapper ul + h4:has(> a > .fa-arrow-circle-right),
.page-wrapper div + h4:has(> a > .fa-arrow-circle-right) {
	margin-top: 28px;
}

.page-wrapper h4 > a:has(> .fa-arrow-circle-right) {
	color: var(--pd-ink);
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
	text-decoration-thickness: 2px;
	text-underline-offset: 6px;
}

.page-wrapper h4 > a:has(> .fa-arrow-circle-right):hover {
	color: var(--pd-accent);
}

.page-wrapper h4 > a > .fa-arrow-circle-right {
	display: none;
}

/* sekcje z samymi linkami ("Zobacz warianty", "Zobacz też", "Zacznij tutaj") */
.page-wrapper .service-one__home-two {
	margin: 0;
	padding: clamp(48px, 6vw, 72px) 0;
	background: #fff;
	border-top: 1px solid var(--pd-line);
}

/* --- karty z ikonami ("Kiedy private debt ma sens", "Co można sfinansować", "Branże") --- */
.page-wrapper .pd-sens-box,
.page-wrapper .pd-uses-box,
.page-wrapper .pd-industry,
.page-wrapper .pd-tool {
	align-items: flex-start;
	gap: 12px;
	height: 100%;
	padding: 28px;
	border: 1px solid var(--pd-line);
	border-radius: 16px;
	background: #fff;
	box-shadow: none;
	text-align: left;
	transition: border-color 0.2s ease;
}

.page-wrapper .pd-sens-box:hover,
.page-wrapper .pd-uses-box:hover,
.page-wrapper .pd-industry:hover,
.page-wrapper .pd-tool:hover {
	border-color: var(--pd-accent);
	box-shadow: none;
	transform: none;
}

.page-wrapper .pd-sens-box__icon,
.page-wrapper .pd-uses-box__icon,
.page-wrapper .pd-industry__icon,
.page-wrapper .pd-tool__icon {
	margin: 0;
	background: var(--pd-accent-tint);
	color: var(--pd-accent);
}

.page-wrapper .pd-sens-box:hover .pd-sens-box__icon,
.page-wrapper .pd-uses-box:hover .pd-uses-box__icon,
.page-wrapper .pd-industry:hover .pd-industry__icon,
.page-wrapper .pd-tool:hover .pd-tool__icon {
	background: var(--pd-accent);
	color: #fff;
}

.page-wrapper .pd-sens-box__title,
.page-wrapper .pd-uses-box__title,
.page-wrapper .pd-industry__title,
.page-wrapper .pd-tool__title {
	margin: 4px 0 0;
	color: var(--pd-ink);
	font: 500 18px/1.3 var(--pd-font-head);
	letter-spacing: -0.01em;
	text-align: left;
}

.page-wrapper .pd-sens-box__text,
.page-wrapper .pd-uses-box__text,
.page-wrapper .pd-industry__text,
.page-wrapper .pd-tool__text {
	margin: 0;
	color: var(--pd-text);
	font-size: 16px;
	line-height: 1.55;
	text-align: left;
}

.page-wrapper .pd-tool__cta {
	margin-top: auto;
	padding-top: 8px;
	color: var(--pd-accent);
	font: 500 15px/1.2 var(--pd-font-head);
	text-decoration: underline;
	text-underline-offset: 5px;
}

.page-wrapper .pd-tool__cta i {
	display: none;
}

/* osierocona ostatnia karta - do lewej, nie na środek */
.page-wrapper .pd-sens-grid,
.page-wrapper .pd-industries,
.page-wrapper .pd-tools {
	justify-content: flex-start !important;
}

/* --- pytania i odpowiedzi: jasny akordeon z liniami zamiast białych pudełek na granacie --- */
.page-wrapper .faq-one,
.page-wrapper .faq-one.faq-one--compact {
	padding: clamp(48px, 6vw, 88px) 0;
	background: var(--pd-surface);
}

.page-wrapper .faq-one .block-title h2 {
	color: var(--pd-ink);
}

.page-wrapper .faq-one #accordion {
	margin-top: 0;
	border-top: 1px solid var(--pd-line);
}

@media (min-width: 992px) {
	.page-wrapper .faq-one .container {
		display: grid;
		grid-template-columns: var(--pd-split-cols);
		column-gap: var(--pd-split-gap);
		align-items: start;
	}

	.page-wrapper .faq-one .container > .block-title {
		grid-column: 1;
		margin: 0;
		text-align: left !important;
	}

	.page-wrapper .faq-one .container > .row {
		grid-column: 2;
		margin: 0;
	}

	.page-wrapper .faq-one .container > .row > [class*="col-"] {
		padding: 0;
	}
}

.page-wrapper .faq-one #accordion li,
.page-wrapper .faq-one #accordion li + li {
	margin: 0;
	border-bottom: 1px solid var(--pd-line);
	border-radius: 0;
	background: none;
}

.page-wrapper .faq-one #accordion .para-title {
	padding: 0;
	background: none;
	border-radius: 0;
	color: var(--pd-ink);
}

.page-wrapper .faq-one #accordion .para-title span {
	display: flex;
	align-items: flex-start;
	gap: 24px;
	padding: 22px 0;
	color: var(--pd-ink);
	font: 500 18px/1.4 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.page-wrapper .faq-one #accordion .para-title i {
	position: static;
	order: 2;
	margin: 4px 0 0 auto;
	transform: none;
	color: var(--pd-accent);
	font-size: 14px;
}

.page-wrapper .faq-one #accordion .para-title.active,
.page-wrapper .faq-one #accordion .para-title.active span {
	color: var(--pd-ink);
}

.page-wrapper .faq-one #accordion .collapse,
.page-wrapper .faq-one #accordion .collapsing {
	background: none;
}

.page-wrapper .faq-one #accordion .collapse p,
.page-wrapper .faq-one #accordion .collapsing p {
	margin: 0;
	border-radius: 0;
	background: none;
	padding: 0 48px 24px 0;
	color: var(--pd-text);
	font-size: 17px;
	line-height: 1.6;
}

/* --- zabezpieczenia: jasna sekcja (treść | lista), wyrównana do góry, bez wzoru i numerów --- */
.page-wrapper .trusted-company {
	padding: clamp(48px, 6vw, 88px) 0;
	background: #fff;
	border-top: 1px solid var(--pd-line);
}

.page-wrapper .trusted-company__bg,
.page-wrapper .trusted-company__box-wrap::before {
	display: none;
}

.page-wrapper .trusted-company .row {
	align-items: flex-start;
	row-gap: 40px;
}

.page-wrapper .trusted-company__content,
.page-wrapper .trusted-company__box-wrap {
	margin: 0;
	padding: 0;
	background: none;
}

.page-wrapper .trusted-company .block-title h2 {
	margin-top: 0;
	color: var(--pd-ink);
}

/* teksty mają kolory wpisane w HTML (style="color:#fff") - stąd !important */
.page-wrapper .trusted-company p,
.page-wrapper .trusted-company h3 {
	color: var(--pd-text) !important;
}

.page-wrapper .trusted-company__content h3 {
	margin-top: 32px !important;
	color: var(--pd-ink) !important;
	font-size: 1.2rem;
}

.page-wrapper .trusted-company__box-wrap > h3 {
	margin: 0 0 4px !important;
	color: var(--pd-muted) !important;
	font: 400 16px/1.4 var(--pd-font-body);
}

.page-wrapper .trusted-company__box {
	display: flex;
	align-items: center;
	margin: 0;
	padding: 18px 0;
	border: 0;
	border-bottom: 1px solid var(--pd-line);
	border-radius: 0;
	background: none;
	box-shadow: none;
	text-decoration: none;
}

.page-wrapper .trusted-company__box > span {
	display: none;
}

.page-wrapper .trusted-company__box p {
	margin: 0;
	padding: 0;
	max-width: none; /* szablon: 390px - zawijało "Nieruchomość należąca do osoby trzeciej" */
	color: var(--pd-ink) !important;
	font: 400 20px/1.3 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.page-wrapper .trusted-company__box p::first-letter {
	text-transform: uppercase;
}

.page-wrapper .trusted-company__box:hover p {
	color: var(--pd-accent) !important;
}

/* --- wezwanie do działania nad stopką: bez zdjęcia, spokojny pas w kolorze akcentu --- */
.page-wrapper .call-to-action {
	padding: clamp(48px, 6vw, 80px) 0;
	background: var(--pd-accent-tint) !important; /* nadpisuje inline background-image */
}

.page-wrapper .call-to-action::before {
	display: none;
}

.page-wrapper .call-to-action .container {
	display: flex;
	flex-wrap: wrap;
	align-items: center;
	justify-content: space-between;
	gap: 24px 48px;
}

.page-wrapper .call-to-action .left-content,
.page-wrapper .call-to-action .right-content {
	flex: 0 1 auto;
	width: auto;
	max-width: 100%;
	padding: 0;
}

.page-wrapper .call-to-action h2,
.page-wrapper .call-to-action h3 {
	max-width: 24ch;
	margin: 0;
	color: var(--pd-ink);
	font: 600 clamp(1.6rem, 1.2rem + 1.4vw, 2.25rem)/1.15 var(--pd-font-head);
	letter-spacing: -0.02em;
}

.page-wrapper .call-to-action p {
	margin: 12px 0 0;
	color: var(--pd-text);
}

.page-wrapper .call-to-action .right-content {
	display: flex;
	flex-wrap: wrap;
	align-items: center;
	gap: 16px 28px;
}

.page-wrapper .call-to-action .thm-btn {
	margin: 0;
	padding: 16px 28px;
}

.page-wrapper .call-to-action .thm-btn-outline {
	padding: 0;
	border: 0;
	background: none;
	color: var(--pd-ink);
	font: 500 16px/1.2 var(--pd-font-head);
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
	text-decoration-thickness: 2px;
	text-underline-offset: 6px;
}

.page-wrapper .call-to-action .thm-btn-outline:hover {
	background: none;
	color: var(--pd-accent);
}

/* --- formularze: białe pola z obramowaniem zamiast szarych wypełnionych --- */
.page-wrapper .contact-one__form-input,
.page-wrapper .contact-one__form textarea,
.page-wrapper .contact-one__form select {
	height: 54px;
	padding: 0 16px;
	border: 1px solid #C9CFD8;
	border-radius: 10px;
	background: #fff;
	color: var(--pd-ink);
	font: 400 17px/1.4 var(--pd-font-body);
	box-shadow: none;
}

.page-wrapper .contact-one__form textarea {
	height: 160px;
	padding: 14px 16px;
}

.page-wrapper .contact-one__form-input::placeholder,
.page-wrapper .contact-one__form textarea::placeholder {
	color: var(--pd-muted);
}

.page-wrapper .contact-one__form-input:focus,
.page-wrapper .contact-one__form textarea:focus,
.page-wrapper .contact-one__form select:focus {
	border-color: var(--pd-accent);
	box-shadow: 0 0 0 3px rgba(29, 106, 79, 0.18);
	outline: none;
}

/* --- kalkulatory: bez ciemnego paska nagłówka (jak karta kalkulatora na stronie głównej) --- */
.page-wrapper .pd-calc,
.page-wrapper .pd-ltv {
	border: 1px solid var(--pd-line);
	border-radius: 20px;
	box-shadow: 0 30px 60px rgba(23, 32, 51, 0.08);
}

.page-wrapper .pd-calc__header,
.page-wrapper .pd-ltv__header {
	padding: 28px 28px 0;
	background: none;
	color: var(--pd-ink);
	text-align: left;
}

.page-wrapper .pd-calc__header::after,
.page-wrapper .pd-ltv__header::after {
	display: none;
}

.page-wrapper .pd-calc__title,
.page-wrapper .pd-ltv__title {
	color: var(--pd-ink);
	font: 600 22px/1.25 var(--pd-font-head);
	letter-spacing: -0.02em;
}

.page-wrapper .pd-calc__subtitle,
.page-wrapper .pd-ltv__subtitle {
	color: var(--pd-muted);
}

.page-wrapper .pd-ltv__cta {
	border-radius: 999px;
	background: var(--pd-accent);
	color: #fff;
	font-family: var(--pd-font-head);
	font-weight: 500;
}

.page-wrapper .pd-ltv__cta:hover {
	background: var(--pd-accent-hover);
	color: #fff;
}

/* --- tabela porównawcza: nagłówek kolumny private debt w kolorze akcentu --- */
.page-wrapper .pd-compare__table thead th {
	background: var(--pd-surface);
	color: var(--pd-ink);
}

.page-wrapper .pd-compare__table thead th.pd-compare__highlight {
	background: var(--pd-accent);
}

/* ikony ✗/✓ sugerowały, że bank przegrywa w każdym wierszu (także "koszt: zwykle niższy") */
.page-wrapper .pd-compare__icon {
	display: none;
}

.page-wrapper .pd-compare__table tbody td {
	color: var(--pd-muted);
}

.page-wrapper .pd-compare__table tbody td.pd-compare__highlight {
	background: var(--pd-accent-tint);
	color: var(--pd-ink);
	font-weight: 600;
}

.page-wrapper .pd-compare__table tbody td.pd-compare__label-col {
	color: var(--pd-ink);
}

/* ---------- stopka ---------- */

.site-footer {
	background-color: var(--pd-dark);
	background-image: none !important;
}

.site-footer::before {
	display: none;
}

.site-footer .pd-logo {
	height: 34px;
}

/* teksty i linki stopki: neutralna biel zamiast niebieskawych odcieni szablonu */
.site-footer p,
.site-footer li {
	color: rgba(255, 255, 255, 0.72);
}

.site-footer a {
	color: rgba(255, 255, 255, 0.86);
}

.site-footer a:hover {
	color: #fff;
}

/* szablon: linki stopki #b0c2d7 (jasnoniebieskie), ramka kontaktowa #09192c (granat) */
.site-footer .footer-widget__link-list li a,
.site-footer .footer-widget__contact-list li a {
	color: rgba(255, 255, 255, 0.86);
}

.site-footer .footer-widget__link-list li a:hover,
.site-footer .footer-widget__contact-list li a:hover {
	color: #fff;
}

.site-footer .footer-widget__link-list li a > i,
.site-footer .footer-widget__contact-list li a > i {
	color: var(--pd-accent-on-dark);
}

.site-footer .footer-widget__contact {
	border-radius: 16px;
	background-color: rgba(255, 255, 255, 0.06);
}

.site-footer h3,
.site-footer .footer-widget__title {
	color: #fff;
	font-family: var(--pd-font-head);
	font-weight: 600;
	letter-spacing: -0.01em;
}

.site-footer .pd-logo__word {
	fill: #fff;
}

.site-footer .pd-logo__dot,
.site-footer .footer-widget__about-phone > i {
	fill: var(--pd-accent-on-dark);
	color: var(--pd-accent-on-dark);
}

/* linki prawne pod stopką (szablon dawał im ~2:1 kontrastu) */
.site-footer .footer-widget__link .topbar__left,
.site-footer .footer-widget__link .topbar__left a {
	color: rgba(255, 255, 255, 0.7);
}

.site-footer .footer-widget__link .topbar__left a:hover {
	color: #fff;
}

.bottom-footer {
	background-color: var(--pd-dark);
	border-top: 1px solid rgba(255, 255, 255, 0.12);
}

@media (prefers-reduced-motion: reduce) {
	.pd-nav__toggle,
	.pd-nav__link,
	.pd-nav__chevron,
	.pd-arrow {
		transition: none;
	}
}

/* ==========================================================================
   Strona główna: system sekcji (.pd-sec) - jawne tła, nagłówek sekcji, komponenty
   ========================================================================== */

/* typografia: zbalansowane nagłówki, akapity bez sierot (cały serwis) */
h1, h2, h3,
.pd-card__title,
.page-wrapper .faq-one #accordion .para-title span {
	text-wrap: balance;
}

p, li {
	text-wrap: pretty;
}

.pd-sec {
	padding: clamp(72px, 9vw, 128px) 0;
	color: var(--pd-text);
}

.pd-sec--white { background: #fff; }
.pd-sec--surface { background: var(--pd-surface); }
.pd-sec--tint { background: var(--pd-accent-tint); }
.pd-sec--dark { background: var(--pd-dark); color: rgba(255, 255, 255, 0.72); }

.pd-sec__container {
	max-width: 1320px;
	margin: 0 auto;
	padding: 0 var(--pd-gutter);
}

/* etykieta sekcji z kropką z logo - jedyny element systemu poza typografią */
.pd-eyebrow {
	display: inline-flex;
	align-items: center;
	gap: 10px;
	margin: 0 0 20px;
	color: var(--pd-muted);
	font: 500 15px/1.2 var(--pd-font-head);
}

.pd-eyebrow::before {
	content: "";
	flex: none;
	width: 8px;
	height: 8px;
	border-radius: 50%;
	background: var(--pd-accent);
}

.pd-sec .pd-sec__title,
.page-wrapper .pd-sec .block-title h2 {
	max-width: 20ch;
	margin: 0;
	color: var(--pd-ink);
	font: 500 clamp(2rem, 1.4rem + 1.9vw, 3rem)/1.08 var(--pd-font-head);
	letter-spacing: -0.03em;
}

.pd-sec__lead {
	max-width: 52ch;
	margin: 0;
	color: var(--pd-text);
	font-size: clamp(1.125rem, 1rem + 0.4vw, 1.25rem);
	line-height: 1.55;
}

/* nagłówek sekcji: tytuł | wstęp, wyrównane do dołu */
.pd-sec__head {
	display: grid;
	grid-template-columns: var(--pd-split-cols);
	column-gap: var(--pd-split-gap);
	row-gap: 20px;
	align-items: end;
	margin-bottom: clamp(40px, 5vw, 64px);
}

.pd-sec__actions {
	display: flex;
	flex-wrap: wrap;
	align-items: center;
	gap: 16px 32px;
	margin: clamp(40px, 5vw, 56px) 0 0;
}

/* jeden link "więcej" na sekcję */
.pd-more {
	margin: 40px 0 0;
	font: 500 17px/1.4 var(--pd-font-head);
}

.pd-more a,
.pd-close__partners a {
	color: var(--pd-ink);
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
	text-decoration-thickness: 2px;
	text-underline-offset: 6px;
}

.pd-more a:hover,
.pd-close__partners a:hover {
	color: var(--pd-accent);
}

/* listy linków na podstronach ("Zobacz też", "Zacznij tutaj", warianty rozwiązania) */
.pd-more + .pd-more {
	margin-top: 12px;
}

.block-title + .pd-more {
	margin-top: 8px;
}

/* --- definicja (najważniejsze zdanie strony - kandydat do cytatu w AI Overviews) --- */
.pd-definition {
	max-width: 34ch;
	margin: 32px 0 40px;
	color: var(--pd-ink);
	font: 300 clamp(1.5rem, 1.1rem + 1.2vw, 2.125rem)/1.3 var(--pd-font-head);
	letter-spacing: -0.015em;
}

.pd-columns {
	display: grid;
	grid-template-columns: repeat(2, minmax(0, 1fr));
	gap: 24px clamp(32px, 5vw, 72px);
	max-width: 1080px;
}

.pd-columns p {
	margin: 0;
	font-size: 17px;
	line-height: 1.65;
}

/* --- karty sytuacji --- */
.pd-cards {
	display: grid;
	grid-template-columns: repeat(3, minmax(0, 1fr));
	gap: 24px;
	margin: 0;
	padding: 0;
	list-style: none;
}

.pd-card {
	display: flex;
	flex-direction: column;
	height: 100%;
	padding: 32px;
	border: 1px solid var(--pd-line);
	border-radius: 16px;
	background: #fff;
	color: var(--pd-text);
	text-decoration: none;
	transition: border-color 0.2s ease;
}

.pd-card:hover {
	border-color: var(--pd-accent);
	color: var(--pd-text);
}

.pd-card__icon {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 48px;
	height: 48px;
	margin-bottom: 24px;
	border-radius: 50%;
	background: var(--pd-accent-tint);
	color: var(--pd-accent);
	font-size: 22px;
}

.pd-card:hover .pd-card__icon {
	background: var(--pd-accent);
	color: #fff;
}

.pd-card__title {
	min-height: 2lh;
	margin: 0 0 10px;
	color: var(--pd-ink);
	font: 500 20px/1.3 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.pd-card__text {
	margin: 0;
	font-size: 16px;
	line-height: 1.55;
}

/* uczciwe granice tuż przy obietnicy */
.pd-limits {
	margin-top: 48px;
	padding: clamp(28px, 4vw, 40px) clamp(28px, 4vw, 48px);
	border-left: 3px solid var(--pd-accent);
	border-radius: 0 16px 16px 0;
	background: var(--pd-surface);
}

.pd-limits__title {
	margin: 0 0 12px;
	color: var(--pd-ink);
	font: 500 1.375rem/1.3 var(--pd-font-head);
	letter-spacing: -0.015em;
}

.pd-limits p {
	max-width: 76ch;
	margin: 0;
}

.pd-limits .pd-more {
	margin-top: 20px;
	font-size: 16px;
}

/* --- indeks celów finansowania (zamiast drugiego zestawu kart) --- */
.pd-index {
	display: grid;
	grid-template-columns: repeat(2, minmax(0, 1fr));
	column-gap: clamp(32px, 5vw, 72px);
	margin: 0;
	padding: 0;
	border-top: 1px solid var(--pd-line);
	list-style: none;
}

.pd-index li {
	border-bottom: 1px solid var(--pd-line);
}

.pd-index__item {
	display: block;
	height: 100%;
	padding: 24px 0;
	color: var(--pd-text);
	text-decoration: none;
}

.pd-index__title {
	margin: 0 0 6px;
	color: var(--pd-ink);
	font: 500 20px/1.3 var(--pd-font-head);
	letter-spacing: -0.01em;
	transition: color 0.2s ease;
}

.pd-index__item:hover .pd-index__title {
	color: var(--pd-accent);
}

.pd-index__text {
	max-width: 58ch;
	margin: 0;
	color: var(--pd-muted);
	font-size: 16px;
	line-height: 1.55;
}

/* --- sekcja ciemna (grafit): proces --- */
.pd-sec--dark .pd-eyebrow {
	color: rgba(255, 255, 255, 0.6);
}

.pd-sec--dark .pd-eyebrow::before {
	background: var(--pd-accent-on-dark);
}

.pd-sec--dark .pd-sec__title,
.pd-sec--dark h3 {
	color: #fff;
}

.pd-sec--dark .pd-sec__lead {
	color: rgba(255, 255, 255, 0.72);
}

.pd-process {
	display: grid;
	grid-template-columns: repeat(6, minmax(0, 1fr));
	gap: 40px 32px;
	margin: 0;
	padding: 0;
	list-style: none;
	counter-reset: pd-step;
}

.pd-process__step {
	padding-top: 28px;
	border-top: 1px solid rgba(255, 255, 255, 0.16);
	counter-increment: pd-step;
}

.pd-process__step::before {
	content: counter(pd-step, decimal-leading-zero);
	display: block;
	margin-bottom: 20px;
	color: var(--pd-accent-on-dark);
	font: 300 48px/1 var(--pd-font-head);
	letter-spacing: -0.03em;
}

.pd-process__title {
	min-height: 2lh;
	margin: 0 0 10px;
	font: 500 20px/1.3 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.pd-process__text {
	margin: 0;
	color: rgba(255, 255, 255, 0.72);
	font-size: 16px;
	line-height: 1.55;
}

.pd-btn--outline-light {
	border: 1px solid var(--pd-accent-on-dark);
	background: transparent;
	color: #fff;
}

.pd-btn--outline-light:hover,
.pd-btn--outline-light:focus-visible {
	background: var(--pd-accent-on-dark);
	color: var(--pd-dark);
}

/* --- układ dwukolumnowy: treść | lista --- */
.pd-split {
	display: grid;
	grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
	gap: 56px clamp(48px, 7vw, 112px);
	align-items: start;
}

.pd-split--even {
	grid-template-columns: repeat(2, minmax(0, 1fr));
}

.pd-split__main .pd-sec__title {
	margin-bottom: 28px;
}

.pd-split__main > p:not(.pd-eyebrow):not(.pd-sec__lead):not(.pd-more):not(.pd-sec__actions) {
	max-width: 68ch;
	margin: 0;
}

.pd-qa__q {
	margin: 36px 0 10px;
	color: var(--pd-ink);
	font: 500 1.25rem/1.3 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.pd-list__label {
	margin: 0 0 16px;
	color: var(--pd-ink);
	font: 500 1.25rem/1.3 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.pd-split__aside .pd-list__label {
	color: var(--pd-muted);
	font: 500 16px/1.4 var(--pd-font-head);
}

.pd-list__intro {
	max-width: 60ch;
	margin: 0 0 16px;
	color: var(--pd-muted);
	font-size: 16px;
}

.pd-list,
.pd-rows {
	margin: 0;
	padding: 0;
	border-top: 1px solid var(--pd-line);
	list-style: none;
}

.pd-list li,
.pd-rows li {
	border-bottom: 1px solid var(--pd-line);
}

.pd-list a {
	display: block;
	padding: 18px 0;
	color: var(--pd-ink);
	font: 400 20px/1.3 var(--pd-font-head);
	letter-spacing: -0.01em;
	text-decoration: none;
}

.pd-rows a {
	display: grid;
	gap: 4px;
	padding: 18px 0;
	color: var(--pd-text);
	text-decoration: none;
}

.pd-rows strong {
	color: var(--pd-ink);
	font: 500 18px/1.3 var(--pd-font-head);
	letter-spacing: -0.01em;
	transition: color 0.2s ease;
}

.pd-rows span {
	color: var(--pd-muted);
	font-size: 15.5px;
	line-height: 1.5;
}

.pd-list a:hover,
.pd-rows a:hover strong {
	color: var(--pd-accent);
}

/* punktory: kropka z logo */
.pd-bullets {
	margin: 0;
	padding: 0;
	list-style: none;
}

.pd-bullets li {
	position: relative;
	padding-left: 24px;
	font-size: 17px;
	line-height: 1.55;
}

.pd-bullets li + li {
	margin-top: 12px;
}

.pd-bullets li::before {
	content: "";
	position: absolute;
	top: 0.62em;
	left: 0;
	width: 8px;
	height: 8px;
	border-radius: 50%;
	background: var(--pd-accent);
}

/* --- tabela porównawcza --- */
.pd-table {
	overflow: hidden;
	border-radius: 16px;
	background: #fff;
}

.pd-table table {
	width: 100%;
	border-collapse: collapse;
}

.pd-table th,
.pd-table td {
	padding: 18px 24px;
	border-bottom: 1px solid var(--pd-line);
	font-size: 16px;
	line-height: 1.5;
	text-align: left;
	vertical-align: top;
}

.pd-table tbody tr:last-child > * {
	border-bottom: 0;
}

.pd-table thead th {
	color: var(--pd-muted);
	font: 500 15px/1.3 var(--pd-font-head);
}

.pd-table tbody th {
	width: 22%;
	color: var(--pd-ink);
	font: 500 16px/1.4 var(--pd-font-head);
}

.pd-table td {
	color: var(--pd-muted);
}

.pd-table .pd-table__pd {
	background: var(--pd-accent-tint);
	color: var(--pd-ink);
	font-weight: 600;
}

.pd-table thead th.pd-table__pd {
	color: var(--pd-accent);
	font-weight: 500;
}

.pd-note {
	max-width: 68ch;
	margin: 24px 0 0;
	color: var(--pd-muted);
	font-size: 16px;
	font-style: italic;
}

/* --- pas zamykający --- */
.pd-close .pd-sec__lead {
	margin-top: 24px;
}

.pd-close__partners {
	grid-column: 1 / -1;
	margin: 0;
	padding-top: 28px;
	border-top: 1px solid rgba(23, 32, 51, 0.12);
	color: var(--pd-text);
	font: 400 17px/1.4 var(--pd-font-head);
}

/* FAQ w systemie sekcji (struktura #accordion bez zmian - z niej powstaje JSON-LD FAQPage) */
.page-wrapper .faq-one.pd-sec {
	padding: clamp(72px, 9vw, 128px) 0;
}

.page-wrapper .faq-one .block-title .pd-eyebrow {
	display: flex;
	width: fit-content;
	margin: 0 0 20px;
	padding: 0;
	color: var(--pd-muted);
	font: 500 15px/1.2 var(--pd-font-head);
	text-transform: none;
	letter-spacing: 0;
}

/* szablon dorysowuje kreskę pod akapitem w .block-title */
.page-wrapper .block-title .pd-eyebrow::after {
	display: none;
}

/* ten sam kontener co pozostałe sekcje (.pd-sec__container), a nie bootstrapowy .container */
.page-wrapper .faq-one.pd-sec .container {
	max-width: 1320px;
	padding: 0 var(--pd-gutter);
}

@media (min-width: 992px) {
	.page-wrapper .faq-one.pd-sec .container {
		grid-template-columns: var(--pd-split-cols);
	}
}

/* sekcja otwierająca: krótszy, lżejszy nagłówek */
.pd-hero__title {
	max-width: 16ch;
	font-weight: 500;
	font-size: clamp(2.5rem, 1.5rem + 3vw, 4rem);
	line-height: 1.04;
	letter-spacing: -0.035em;
}

.pd-hero__lead {
	max-width: 46ch;
}

.pd-hero .pd-calc__note {
	text-align: left;
}

/* --- responsywność --- */
@media (max-width: 1199.98px) {
	.pd-process {
		grid-template-columns: repeat(3, minmax(0, 1fr));
	}
}

@media (max-width: 991.98px) {
	.pd-sec__head,
	.pd-split,
	.pd-split--even {
		grid-template-columns: minmax(0, 1fr);
	}

	.pd-cards {
		grid-template-columns: repeat(2, minmax(0, 1fr));
	}

	.pd-index {
		grid-template-columns: minmax(0, 1fr);
	}
}

@media (max-width: 767.98px) {
	.pd-cards,
	.pd-columns {
		grid-template-columns: minmax(0, 1fr);
	}

	.pd-card__title,
	.pd-process__title {
		min-height: 0;
	}

	.pd-process {
		grid-template-columns: minmax(0, 1fr);
	}

	/* tabela jako karty: etykieta kolumny nad każdą wartością */
	.pd-table thead {
		display: none;
	}

	.pd-table tr {
		display: grid;
		grid-template-columns: 1fr 1fr;
		border-bottom: 1px solid var(--pd-line);
	}

	.pd-table tbody tr:last-child {
		border-bottom: 0;
	}

	.pd-table tbody th {
		grid-column: 1 / -1;
		width: auto;
		padding-bottom: 4px;
		border: 0;
	}

	.pd-table td {
		border: 0;
		font-size: 15px;
	}

	.pd-table td::before {
		content: attr(data-label);
		display: block;
		margin-bottom: 4px;
		color: var(--pd-muted);
		font: 500 13px/1.2 var(--pd-font-head);
	}

	.pd-table td.pd-table__pd::before {
		color: var(--pd-accent);
	}
}

/* ==========================================================================
   Podstrony: system sekcji (ten sam rytm co strona główna, bez przepisywania modułów)
   Kolejność na podstronach: nagłówek strony (tint) -> wstęp -> sekcje treści -> linki -> FAQ -> CTA (tint)
   ========================================================================== */

/* rytm teł: sekcje treści ściśle naprzemiennie (liczone po kolei wśród <section>), wstęp zawsze biały */
.pd-main > section:is(.about-one, .feature-six, .service-one__home-two, .faq-one, .contact-one):not(.pd-sec) {
	margin: 0;
	padding: clamp(64px, 8vw, 112px) 0;
	border-top: 0;
	background: #fff;
}

.pd-main > section:is(.feature-six, .service-one__home-two, .faq-one, .contact-one):not(.pd-sec):nth-of-type(odd) {
	background: var(--pd-surface);
}

.pd-main > section.about-one:not(.pd-sec) {
	padding-bottom: clamp(48px, 6vw, 80px);
}

/* nagłówek strony */
.page-header .container {
	padding-top: clamp(48px, 7vw, 96px);
	padding-bottom: clamp(40px, 6vw, 72px);
}

.page-header .container h1,
.page-header .container h2 {
	max-width: none; /* limit 24ch łamał krótkie tytuły (np. "Finansowanie projektu / deweloperskiego") */
	font-weight: 500;
	font-size: clamp(2.25rem, 1.4rem + 2.6vw, 3.5rem);
	line-height: 1.06;
	letter-spacing: -0.03em;
}

/* nagłówki sekcji podstron: lżejsze i zbalansowane, bez limitu 14ch (łamał je w 3 linie) */
.pd-main > section:not(.pd-sec) .block-title h2 {
	max-width: 22ch;
	font-weight: 500;
	font-size: clamp(1.75rem, 1.3rem + 1.4vw, 2.5rem);
	line-height: 1.12;
	letter-spacing: -0.025em;
}

@media (min-width: 992px) {
	.page-wrapper .feature-six__inner:not(:has(.row, table:not(.pd-data), form, .pd-calc, .pd-ltv, .pd-steps)) > .block-title h2 {
		max-width: none;
	}

	/* sekcje z kartami/tabelą: tytuł | wstęp jak na stronie głównej (6/5, do dołu) */
	.page-wrapper .feature-six__inner:has(.row, table:not(.pd-data), .pd-steps) {
		grid-template-columns: var(--pd-split-cols);
		column-gap: var(--pd-split-gap);
		align-items: end;
	}

	.page-wrapper .feature-six__inner:has(.row, table:not(.pd-data), .pd-steps) > .row,
	.page-wrapper .feature-six__inner:has(.row, table:not(.pd-data), .pd-steps) > .pd-steps,
	.page-wrapper .feature-six__inner:has(.row, table:not(.pd-data), .pd-steps) > table {
		margin-top: clamp(40px, 5vw, 56px);
	}
}

/* treść w kolumnie: wygodna długość wiersza, odstępy, punktory jako kropka z logo */
.page-wrapper .feature-six__inner > p,
.page-wrapper .feature-six__inner > ul,
.page-wrapper .feature-six__inner > ol {
	max-width: 68ch;
}

.page-wrapper .feature-six__inner p {
	line-height: 1.65;
}

.page-wrapper .feature-six__inner h3 {
	margin: 40px 0 12px;
	color: var(--pd-ink);
	font: 500 1.25rem/1.3 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.page-wrapper .feature-six__inner ul:not([class]),
.page-wrapper .about-one ul:not([class]) {
	padding-left: 0;
	list-style: none;
}

.page-wrapper .feature-six__inner ul:not([class]) > li,
.page-wrapper .about-one ul:not([class]) > li {
	position: relative;
	padding-left: 24px;
}

.page-wrapper .feature-six__inner ul:not([class]) > li + li,
.page-wrapper .about-one ul:not([class]) > li + li {
	margin-top: 10px;
}

.page-wrapper .feature-six__inner ul:not([class]) > li::before,
.page-wrapper .about-one ul:not([class]) > li::before {
	content: "";
	position: absolute;
	top: 0.62em;
	left: 0;
	width: 8px;
	height: 8px;
	border-radius: 50%;
	background: var(--pd-accent);
}

/* --- wstęp i "Krótka odpowiedź": jedna kolumna; odpowiedź jako wyróżniony, cytowalny blok (AI Overviews) --- */
@media (min-width: 992px) {
	.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) {
		display: block;
	}
}

.page-wrapper .about-one .hero-lead {
	max-width: 62ch;
	margin: 0 0 clamp(32px, 4vw, 48px);
	color: var(--pd-ink);
	font-size: clamp(1.15rem, 1rem + 0.5vw, 1.3rem);
	line-height: 1.6;
}

/* panel na całą szerokość kolumny (jasnozielone tło + kreska akcentu); tekst w środku z wygodną długością wiersza */
.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > .block-title {
	margin: 0;
	padding: clamp(24px, 3vw, 36px) clamp(24px, 4vw, 48px) 0;
	border-left: 3px solid var(--pd-accent);
	border-radius: 0 16px 0 0;
	background: var(--pd-accent-tint);
}

.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > .block-title h2 {
	display: flex;
	align-items: center;
	gap: 10px;
	max-width: none;
	margin: 0;
	color: var(--pd-muted);
	font: 500 15px/1.2 var(--pd-font-head);
	letter-spacing: 0;
}

.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > .block-title h2::before {
	content: "";
	flex: none;
	width: 8px;
	height: 8px;
	border-radius: 50%;
	background: var(--pd-accent);
}

.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > .block-title ~ p {
	max-width: none;
	margin: 0;
	padding: 14px max(clamp(24px, 4vw, 48px), calc(100% - 64ch)) clamp(24px, 3vw, 36px) clamp(24px, 4vw, 48px);
	border-left: 3px solid var(--pd-accent);
	border-radius: 0 0 16px 0;
	background: var(--pd-accent-tint);
	color: var(--pd-ink);
	font: 300 clamp(1.3rem, 1.1rem + 0.6vw, 1.6rem)/1.45 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > .block-title ~ p + p {
	padding-top: 0;
}

.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > .block-title ~ p:not(:last-child) {
	border-radius: 0;
	padding-bottom: 14px;
}

/* --- sekcje z samymi linkami ("Zobacz też", "Zacznij tutaj", warianty): tytuł | lista z liniami --- */
@media (min-width: 992px) {
	.page-wrapper .service-one__home-two > .container:has(> .block-title) {
		display: grid;
		grid-template-columns: var(--pd-split-cols);
		column-gap: var(--pd-split-gap);
		align-items: start;
	}

	.page-wrapper .service-one__home-two > .container > .block-title {
		grid-column: 1;
		grid-row: 1 / span 40;
		margin: 0;
	}

	.page-wrapper .service-one__home-two > .container > :not(.block-title) {
		grid-column: 2;
	}
}

.page-wrapper .service-one__home-two .pd-more,
.page-wrapper .service-one__home-two .pd-more + .pd-more {
	margin: 0;
	border-bottom: 1px solid var(--pd-line);
	font: 400 19px/1.35 var(--pd-font-head);
	letter-spacing: -0.01em;
}

.page-wrapper .service-one__home-two .block-title + .pd-more,
.page-wrapper .service-one__home-two .pd-more:first-of-type {
	border-top: 1px solid var(--pd-line);
}

.page-wrapper .service-one__home-two .pd-more a {
	display: block;
	padding: 16px 32px 16px 0;
	color: var(--pd-ink);
	text-decoration: none;
	position: relative;
}

.page-wrapper .service-one__home-two .pd-more a::after {
	content: "";
	position: absolute;
	top: 50%;
	right: 4px;
	width: 9px;
	height: 9px;
	border-top: 1.5px solid currentColor;
	border-right: 1.5px solid currentColor;
	transform: translateY(-50%) rotate(45deg);
	opacity: 0.45;
	transition: opacity 0.2s ease, right 0.2s ease;
}

.page-wrapper .service-one__home-two .pd-more a:hover {
	color: var(--pd-accent);
}

.page-wrapper .service-one__home-two .pd-more a:hover::after {
	right: 0;
	opacity: 1;
}

/* --- FAQ na podstronach: tytuł | pytania jak na stronie głównej (5/7) --- */
@media (min-width: 992px) {
	.pd-main > section.faq-one:not(.pd-sec) .container {
		grid-template-columns: var(--pd-split-cols);
	}
}

/* --- formularz kontaktowy w rytmie sekcji --- */
.page-wrapper .contact-one .block-title h2 {
	margin-bottom: 12px;
}

/* ==========================================================================
   Stopka (układ KKR): 5 kolumn nawigacji | linki użytkowe do prawej
   pas dolny: małe logo | kontakt, prawne, copyright do prawej.
   Kolory w zmiennych - wariant jasny: <footer class="pd-footer pd-footer--light">
   ========================================================================== */

.pd-footer {
	--f-bg: var(--pd-dark);
	--f-text: rgba(255, 255, 255, 0.6);
	--f-link: rgba(255, 255, 255, 0.84);
	--f-link-hover: #fff;
	--f-head: var(--pd-accent-on-dark);
	--f-strong: #fff;
	--f-line: rgba(255, 255, 255, 0.14);
	--f-logo: #fff;
	--f-dot: var(--pd-accent-on-dark);

	background: var(--f-bg);
	color: var(--f-text);
	font: 400 14px/1.5 var(--pd-font-body);
}

.pd-footer--light {
	--f-bg: var(--pd-surface);
	--f-text: var(--pd-muted);
	--f-link: var(--pd-ink);
	--f-link-hover: var(--pd-accent);
	--f-head: var(--pd-accent);
	--f-strong: var(--pd-ink);
	--f-line: var(--pd-line);
	--f-logo: var(--pd-ink);
	--f-dot: var(--pd-accent);
	border-top: 1px solid var(--pd-line);
}

.pd-footer__wrap {
	max-width: 1320px;
	margin: 0 auto;
	padding: 64px var(--pd-gutter) 40px;
}

.pd-footer a {
	color: var(--f-link);
	text-decoration: none;
	transition: color 0.15s ease;
}

.pd-footer a:hover {
	color: var(--f-link-hover);
	text-decoration: underline;
	text-decoration-thickness: 1px;
	text-underline-offset: 3px;
}

.pd-footer a:focus-visible {
	outline: 2px solid var(--f-head);
	outline-offset: 3px;
	border-radius: 2px;
}

/* --- rząd główny: nawigacja | linki użytkowe --- */
.pd-footer__nav {
	display: grid;
	/* kolumny menu szerokie na tyle, by linki mieściły się w 1 linii; reszta dla "Najczęściej czytane" */
	grid-template-columns: repeat(4, max-content) minmax(0, 1fr);
	gap: 32px 56px;
}

.pd-footer__title {
	margin: 0 0 14px;
	color: var(--f-head);
	font: 600 13px/1.4 var(--pd-font-head);
	letter-spacing: 0.1em;
	text-transform: uppercase;
}

.pd-footer .pd-footer__title a {
	color: inherit;
}

.pd-footer__links {
	margin: 0;
	padding: 0;
	list-style: none;
}

.pd-footer__links li {
	margin: 0;
	font-size: 14px;
	line-height: 1.5;
}

.pd-footer__links li + li {
	margin-top: 9px;
}

.pd-footer__util {
	display: flex;
	flex-wrap: wrap;
	justify-content: flex-end;
	gap: 12px 32px;
	margin: 0 0 6px;
	padding: 0;
	list-style: none;
}

.pd-footer .pd-footer__util a {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	color: var(--f-strong);
	font: 600 13px/1.3 var(--pd-font-head);
	letter-spacing: 0.1em;
	text-transform: uppercase;
	white-space: nowrap;
}

.pd-footer__arrow {
	flex: none;
	color: var(--f-head);
	transition: transform 0.15s ease;
}

.pd-footer__util a:hover .pd-footer__arrow {
	transform: translateX(2px);
}

/* --- pas dolny: logo | kontakt, prawne, copyright (do prawej) --- */
.pd-footer__base {
	display: grid;
	grid-template-columns: auto minmax(0, 1fr);
	gap: 24px 48px;
	align-items: end;
	margin-top: 56px;
	padding-top: 40px;
	border-top: 1px solid var(--f-line);
}

.pd-footer__logo {
	display: inline-block;
	line-height: 0;
}

.pd-footer .pd-footer__logo .pd-logo {
	width: auto;
	height: 28px;
}

.pd-footer .pd-logo__word {
	fill: var(--f-logo);
}

.pd-footer .pd-logo__dot {
	fill: var(--f-dot);
}

.pd-footer__meta {
	display: flex;
	flex-direction: column;
	align-items: flex-end;
	gap: 14px;
	text-align: right;
}

.pd-footer__connect {
	display: flex;
	flex-wrap: wrap;
	justify-content: flex-end;
	align-items: center;
	gap: 6px 16px;
	margin: 0;
	color: var(--f-link);
	font-size: 14px;
}

.pd-footer__label {
	color: var(--f-head);
	font: 600 13px/1.3 var(--pd-font-head);
	letter-spacing: 0.1em;
	text-transform: uppercase;
}

.pd-footer__sep {
	width: 1px;
	height: 14px;
	background: var(--f-line);
}

.pd-footer__legal {
	display: flex;
	flex-wrap: wrap;
	justify-content: flex-end;
	gap: 6px 24px;
	margin: 0;
	padding: 0;
	list-style: none;
	font-size: 13px;
}

.pd-footer .pd-footer__legal a {
	color: var(--f-text);
}

.pd-footer .pd-footer__legal a:hover {
	color: var(--f-link-hover);
}

.pd-footer__copy {
	margin: 0;
	color: var(--f-text);
	font: 500 12px/1.4 var(--pd-font-head);
	letter-spacing: 0.08em;
	text-transform: uppercase;
}

/* --- tablet: 3 kolumny --- */
@media (max-width: 1199.98px) {
	.pd-footer__nav {
		grid-template-columns: repeat(3, minmax(0, 1fr));
		gap: 32px;
	}

	.pd-footer__col--popular {
		grid-column: span 2;
	}
}

/* --- telefon: 2 kolumny, pas dolny do lewej --- */
@media (max-width: 767.98px) {
	.pd-footer__wrap {
		padding: 48px var(--pd-gutter) 32px;
	}

	.pd-footer__util {
		flex-direction: column;
		align-items: flex-start;
		gap: 0;
	}

	.pd-footer .pd-footer__util a {
		padding: 10px 0;
	}

	.pd-footer__nav {
		grid-template-columns: repeat(2, minmax(0, 1fr));
		gap: 32px 20px;
	}

	.pd-footer__col--popular {
		grid-column: 1 / -1;
	}

	.pd-footer__links li + li {
		margin-top: 2px;
	}

	.pd-footer__links a,
	.pd-footer__legal a {
		display: inline-block;
		padding: 5px 0;
	}

	.pd-footer__base {
		grid-template-columns: minmax(0, 1fr);
		margin-top: 40px;
	}

	.pd-footer__meta {
		align-items: flex-start;
		text-align: left;
	}

	.pd-footer__connect,
	.pd-footer__legal {
		justify-content: flex-start;
	}

	.pd-footer__legal {
		gap: 0 20px;
	}
}

/* ==========================================================================
   Menu główne v2: 4 pozycje tematyczne | linki pomocnicze | przycisk akcji
   ========================================================================== */

.pd-nav__aside {
	display: flex;
	align-items: center;
	gap: 20px;
}

.pd-nav__util {
	color: var(--pd-muted);
	font: 400 15px/1.2 var(--pd-font-head);
	text-decoration: none;
	white-space: nowrap;
}

.pd-nav__util:hover,
.pd-nav__util[aria-current="page"] {
	color: var(--pd-ink);
}

.pd-btn--sm {
	padding: 11px 20px;
	font-size: 15px;
	white-space: nowrap;
}

.pd-btn[aria-current="page"] {
	background: var(--pd-accent-hover);
}

/* nagłówek grupy = link (zamiast tekstu + "Zobacz wszystkie") */
a.pd-panel__heading {
	display: inline-flex;
	align-items: baseline;
	gap: 8px;
	text-decoration: none;
	text-wrap: balance;
}

a.pd-panel__heading::after {
	content: "→";
	color: var(--pd-accent);
	opacity: 0;
	transform: translateX(-4px);
	transition: opacity 0.2s ease, transform 0.2s ease;
}

a.pd-panel__heading:hover {
	color: var(--pd-ink);
}

a.pd-panel__heading:hover::after,
a.pd-panel__heading:focus-visible::after {
	opacity: 1;
	transform: none;
}

/* podstrony: zwarte pozycje - dwuliniowy link czyta się jako jedna pozycja */
.pd-panel__links li {
	line-height: 1.3;
}

.pd-panel__links li + li {
	margin-top: 10px;
}

.pd-panel__links a[aria-current="page"],
a.pd-panel__heading[aria-current="page"],
.pd-panel__title[aria-current="page"] {
	color: var(--pd-accent);
}

.pd-panel__title-prefix {
	display: none;
}

@media (min-width: 1200px) {
	.pd-nav {
		display: flex;
		align-items: center;
		gap: 28px;
	}

	.pd-nav__list {
		gap: 0 26px;
	}

	.pd-nav__aside {
		padding-left: 28px;
		border-left: 1px solid var(--pd-line);
	}

	.pd-panel__inner {
		grid-template-columns: minmax(0, 1fr) 320px;
		padding: 40px var(--pd-gutter) 56px;
	}

	.pd-panel__groups {
		gap: 36px 40px;
	}

	.pd-panel__groups--3 {
		grid-template-columns: repeat(3, minmax(0, 1fr));
	}

	.pd-panel__groups--4 {
		grid-template-columns: repeat(4, minmax(0, 1fr));
	}
}

/* 1200-1299: ciaśniej, żeby logo, 4 pozycje, linki pomocnicze i przycisk zmieściły się w jednej linii */
@media (min-width: 1200px) and (max-width: 1299.98px) {
	.pd-header__bar {
		gap: 24px;
	}

	.pd-nav,
	.pd-nav__list {
		gap: 0 20px;
	}

	.pd-nav__aside {
		gap: 16px;
		padding-left: 20px;
	}
}

/* mobile: po rozwinięciu pozycji tylko grupy (podstrony są na stronach grup); przycisk akcji przyklejony na dole */
@media (max-width: 1199.98px) {
	.pd-nav {
		display: none;
		flex-direction: column;
	}

	.pd-menu-open .pd-nav {
		display: flex;
	}

	.pd-nav__list {
		flex: 1 0 auto;
	}

	.pd-panel__links {
		display: none;
	}

	.pd-panel__title-prefix {
		display: inline;
	}

	.pd-panel__groups,
	.pd-panel__groups--3,
	.pd-panel__groups--4 {
		grid-template-columns: minmax(0, 1fr);
		gap: 0;
	}

	.pd-panel__group {
		border-top: 1px solid var(--pd-line);
	}

	.pd-panel__heading,
	a.pd-panel__heading {
		display: flex;
		margin: 0;
		padding: 14px 0;
		font-size: 17px;
	}

	.pd-panel__feature-text {
		display: none;
	}

	.pd-nav__aside {
		position: sticky;
		bottom: 0;
		flex-wrap: wrap;
		gap: 12px 24px;
		margin: 24px calc(-1 * var(--pd-gutter)) 0;
		padding: 16px var(--pd-gutter) calc(16px + env(safe-area-inset-bottom));
		border-top: 1px solid var(--pd-line);
		background: #fff;
	}

	.pd-nav__aside .pd-btn {
		order: -1;
		width: 100%;
		padding: 15px 20px;
		font-size: 16px;
	}

	.pd-nav__util {
		font-size: 16px;
	}
}

/* ==========================================================================
   Wstęp podstrony w nagłówku strony (lead pod H1 - przenoszony w index.php: pd_przenies_wstep)
   ========================================================================== */
.page-header .pd-standfirst {
	max-width: 80ch; /* ~3/4 nagłówka: wypełnia przestrzeń, a wiersz nadal czyta się wygodnie */
	margin: 24px 0 0;
	color: var(--pd-text);
	font-size: clamp(1.15rem, 1rem + 0.6vw, 1.4rem);
	line-height: 1.55;
	text-wrap: pretty;
}

/* sekcja z "Krótką odpowiedzią" zaczyna się od panelu - mniejszy odstęp od nagłówka */
.pd-main > section.about-one:not(.pd-sec) {
	padding-top: clamp(48px, 6vw, 80px);
}

/* druga kolumna długiej grupy w panelu menu (bez nagłówka): wyrównanie do pierwszej pozycji obok */

@media (max-width: 1199.98px) {
	.pd-panel__group--cont {
		display: none;
	}
}


/* --- pasek faktów pod definicją (strona główna) --- */
.pd-facts {
	display: grid;
	grid-template-columns: repeat(3, minmax(0, 1fr));
	margin: 0 0 48px;
	border-top: 1px solid var(--pd-line);
	border-bottom: 1px solid var(--pd-line);
}

.pd-facts__item {
	padding: 28px 32px 28px 0;
}

.pd-facts__item + .pd-facts__item {
	padding-left: 32px;
	border-left: 1px solid var(--pd-line);
}

.pd-facts dt {
	margin: 0 0 8px;
	color: var(--pd-muted);
	font: 500 15px/1.3 var(--pd-font-head);
}

.pd-facts dd {
	margin: 0;
	color: var(--pd-ink);
	font: 300 clamp(1.6rem, 1.1rem + 1.5vw, 2.5rem)/1.15 var(--pd-font-head);
	letter-spacing: -0.02em;
}

@media (max-width: 767.98px) {
	.pd-facts {
		grid-template-columns: minmax(0, 1fr);
	}

	.pd-facts__item,
	.pd-facts__item + .pd-facts__item {
		padding: 20px 0;
		border-left: 0;
	}

	.pd-facts__item + .pd-facts__item {
		border-top: 1px solid var(--pd-line);
	}
}

/* ==========================================================================
   Komponenty treści artykułów: ramki "Przykład", "Uwaga", "Podstawa prawna", tabela danych
   Użycie w modułach:
     <div class="pd-box pd-box--example"><p class="pd-box__title">Przykład ilustracyjny</p> ... </div>
     <div class="pd-box pd-box--note"><p class="pd-box__title">Uwaga</p> ... </div>
     <div class="pd-box pd-box--law"><p class="pd-box__title">Podstawa prawna</p><ul>...</ul></div>
     <table class="pd-data"> ... </table>
   ========================================================================== */
.pd-box {
	max-width: 68ch;
	margin: 28px 0;
	padding: 22px 26px;
	border-radius: 14px;
	background: var(--pd-surface);
	color: var(--pd-text);
}

.pd-sec--surface .pd-box,
.pd-main > section:nth-of-type(odd) .pd-box {
	background: #fff;
}

.pd-box > :last-child {
	margin-bottom: 0;
}

.pd-box p,
.pd-box li {
	font-size: 16px;
	line-height: 1.6;
}

.pd-box__title {
	display: flex;
	align-items: center;
	gap: 10px;
	margin: 0 0 10px;
	color: var(--pd-ink);
	font: 500 15px/1.3 var(--pd-font-head) !important;
}

.pd-box__title::before {
	content: "";
	flex: none;
	width: 8px;
	height: 8px;
	border-radius: 50%;
	background: var(--pd-accent);
}

.pd-box--example {
	border-left: 3px solid var(--pd-accent);
	border-radius: 0 14px 14px 0;
}

.pd-box--note {
	border-left: 3px solid #B7791F;
	border-radius: 0 14px 14px 0;
}

.pd-box--note .pd-box__title::before {
	background: #B7791F;
}

.pd-box--law .pd-box__title::before {
	border-radius: 2px;
	background: var(--pd-ink);
}

.pd-box--law {
	font-size: 15px;
}

/* tabela danych (np. obliczenia w przykładzie) */
.pd-data {
	width: 100%;
	max-width: 68ch;
	margin: 20px 0;
	border-collapse: collapse;
	font-size: 16px;
}

.pd-data th,
.pd-data td {
	padding: 10px 12px;
	border-bottom: 1px solid var(--pd-line);
	text-align: left;
	vertical-align: top;
}

.pd-data thead th {
	color: var(--pd-muted);
	font: 500 14px/1.3 var(--pd-font-head);
}

.pd-data td:last-child,
.pd-data th:last-child {
	text-align: right;
	white-space: nowrap;
	font-variant-numeric: tabular-nums;
}

.pd-data tr.pd-data__total td {
	border-bottom: 0;
	color: var(--pd-ink);
	font-weight: 600;
}

/* linia z datą aktualizacji pod H1 artykułu */
.page-header .pd-article-meta {
	margin: 16px 0 0;
	color: var(--pd-muted);
	font: 500 14px/1.4 var(--pd-font-head);
}

/* ---------- strona /dziekujemy ---------- */
.pd-thanks__lead {
	display: flex;
	align-items: flex-start;
	gap: 16px;
	max-width: 60ch;
	margin: 0 0 clamp(40px, 5vw, 64px);
	color: var(--pd-ink);
	font: 400 clamp(1.2rem, 1rem + 0.6vw, 1.45rem)/1.45 var(--pd-font-head);
}

.pd-thanks__check {
	display: inline-flex;
	flex: none;
	align-items: center;
	justify-content: center;
	width: 40px;
	height: 40px;
	border-radius: 50%;
	background: var(--pd-accent-tint);
	color: var(--pd-accent);
}

.pd-thanks__title {
	margin: 0 0 24px;
	font-size: 1.4rem;
}

/* proces na jasnym tle (wariant sekcji z ciemnej strony głównej) */
.pd-process--light {
	grid-template-columns: repeat(3, minmax(0, 1fr));
}

.pd-process--light .pd-process__step {
	border-top-color: var(--pd-line);
}

.pd-process--light .pd-process__step::before {
	color: var(--pd-accent);
}

.pd-process--light .pd-process__title {
	min-height: 0;
	color: var(--pd-ink);
}

.pd-process--light .pd-process__text {
	color: var(--pd-text);
}

@media (max-width: 767.98px) {
	.pd-process--light {
		grid-template-columns: minmax(0, 1fr);
	}
}

/* 404: etykieta z kropką w nagłówku strony */
.page-header .pd-eyebrow {
	margin-bottom: 16px;
}

/* ==========================================================================
   Baza wiedzy: listy artykułów (pd-articles), karty wyróżnione, kategorie
   ========================================================================== */
.page-wrapper .pd-kb { padding: clamp(56px, 7vw, 96px) 0; background: #fff; }
.page-wrapper .pd-kb--surface { background: var(--pd-surface); }
.page-wrapper .about-one + .pd-kb { padding-top: 24px; }
.pd-kb__head { display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between; gap: 16px 40px; margin-bottom: clamp(28px, 3vw, 40px); }
.page-wrapper .pd-kb__title { margin: 0; font: 500 clamp(1.6rem, 1.3rem + 1vw, 2.25rem)/1.15 var(--pd-font-head); letter-spacing: -0.025em; color: var(--pd-ink); text-wrap: balance; }
.page-wrapper .pd-kb__count,
.page-wrapper .pd-kb__intro { margin: 10px 0 0; color: var(--pd-muted); font-size: 16px; line-height: 1.5; }
.page-wrapper .pd-kb__intro { max-width: 60ch; }
.page-wrapper .pd-kb-more,
.page-wrapper .pd-kb-tools a { color: var(--pd-ink); font: 500 15px/1.3 var(--pd-font-head); text-decoration: underline; text-decoration-color: var(--pd-accent); text-decoration-thickness: 2px; text-underline-offset: 6px; }
.page-wrapper .pd-kb-more:hover,
.page-wrapper .pd-kb-tools a:hover { color: var(--pd-accent); }
.page-wrapper .pd-kb-label { display: flex; align-items: center; gap: 10px; margin: 0 0 16px; color: var(--pd-muted); font: 500 15px/1.2 var(--pd-font-head); }
.page-wrapper .pd-kb-label::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--pd-accent); }

/* wiersze artykułów */
.page-wrapper .pd-articles { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--pd-line); }
.page-wrapper .pd-article { position: relative; display: grid; grid-template-columns: minmax(0, 1fr) 190px 32px; gap: 8px 40px; align-items: start; margin: 0; padding: 28px 0; border-bottom: 1px solid var(--pd-line); }
.page-wrapper .pd-articles--numbered .pd-article { grid-template-columns: 56px minmax(0, 1fr) 190px 32px; }
.page-wrapper .pd-article[hidden] { display: none; }
.page-wrapper .pd-article__num { padding-top: 1px; color: var(--pd-accent); font: 300 28px/1 var(--pd-font-head); letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.page-wrapper .pd-article__kicker { margin: 0 0 6px; color: var(--pd-accent); font: 500 14px/1.3 var(--pd-font-head); }
.page-wrapper .pd-article__title { margin: 0; color: var(--pd-ink); font: 500 clamp(1.15rem, 1.05rem + 0.35vw, 1.375rem)/1.3 var(--pd-font-head); letter-spacing: -0.015em; text-wrap: balance; transition: color 0.2s ease; }
.page-wrapper .pd-article__title a { color: inherit; text-decoration: none; }
.page-wrapper .pd-article__title a::after { content: ""; position: absolute; inset: 0; }
.page-wrapper .pd-article__title a:focus-visible { outline: none; }
.page-wrapper .pd-article:has(a:focus-visible) { outline: 2px solid var(--pd-accent); outline-offset: 4px; border-radius: 4px; }
.page-wrapper .pd-article__desc { max-width: 64ch; margin: 8px 0 0; color: var(--pd-text); font-size: 16px; line-height: 1.55; text-wrap: pretty; }
.page-wrapper .pd-article__meta { display: flex; flex-direction: column; gap: 4px; margin: 4px 0 0; color: var(--pd-muted); font-size: 14px; line-height: 1.4; }
.page-wrapper .pd-article__arrow { display: inline-flex; align-items: center; justify-content: center; width: 32px; height: 32px; border: 1px solid var(--pd-line); border-radius: 50%; color: var(--pd-ink); transition: background-color 0.2s ease, border-color 0.2s ease, color 0.2s ease; }
.page-wrapper .pd-article:hover .pd-article__title { color: var(--pd-accent); }
.page-wrapper .pd-article:hover .pd-article__arrow { background: var(--pd-accent); border-color: var(--pd-accent); color: #fff; }

/* karty wyróżnione: "Zacznij tutaj", ścieżka nauki */
.page-wrapper .pd-kb-start { margin-bottom: clamp(40px, 5vw, 56px); }
.page-wrapper .pd-kb-start[hidden] { display: none; }
.page-wrapper .pd-kb-cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; margin: 0; padding: 0; list-style: none; }
.page-wrapper .pd-kb-cards--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.page-wrapper .pd-kb-card { position: relative; display: flex; flex-direction: column; gap: 10px; margin: 0; padding: 28px; border-radius: 16px; background: var(--pd-accent-tint); box-shadow: inset 0 0 0 1px transparent; transition: box-shadow 0.2s ease; }
.page-wrapper .pd-kb-card[hidden] { display: none; }
.page-wrapper .pd-kb-card:hover { box-shadow: inset 0 0 0 1px var(--pd-accent); }
.page-wrapper .pd-kb-card__num { margin-bottom: 8px; color: var(--pd-accent); font: 300 36px/1 var(--pd-font-head); letter-spacing: -0.03em; }
.page-wrapper .pd-kb-card__title { margin: 0; color: var(--pd-ink); font: 500 20px/1.3 var(--pd-font-head); letter-spacing: -0.01em; text-wrap: balance; }
.page-wrapper .pd-kb-card__title a { color: inherit; text-decoration: none; }
.page-wrapper .pd-kb-card__title a::after { content: ""; position: absolute; inset: 0; border-radius: 16px; }
.page-wrapper .pd-kb-card:has(a:focus-visible) { outline: 2px solid var(--pd-accent); outline-offset: 3px; }
.page-wrapper .pd-kb-card__title a:focus-visible { outline: none; }
.page-wrapper .pd-kb-card__desc { margin: 0; color: var(--pd-text); font-size: 16px; line-height: 1.55; text-wrap: pretty; }
.page-wrapper .pd-kb-card__meta { margin: auto 0 0; padding-top: 8px; color: var(--pd-muted); font-size: 14px; }

/* karty kategorii */
.page-wrapper .pd-kb-cats { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; margin: 0; padding: 0; list-style: none; }
.page-wrapper .pd-kb-cat { position: relative; display: flex; flex-direction: column; gap: 12px; margin: 0; padding: 28px; border: 1px solid var(--pd-line); border-radius: 16px; background: #fff; transition: border-color 0.2s ease; }
.page-wrapper .pd-kb--surface .pd-kb-cat { border-color: transparent; }
.page-wrapper .pd-kb-cat:hover,
.page-wrapper .pd-kb--surface .pd-kb-cat:hover { border-color: var(--pd-accent); }
.page-wrapper .pd-kb-cat__title { margin: 0; color: var(--pd-ink); font: 500 20px/1.3 var(--pd-font-head); letter-spacing: -0.01em; text-wrap: balance; }
.page-wrapper .pd-kb-cat__title a { color: inherit; text-decoration: none; }
.page-wrapper .pd-kb-cat__title a::after { content: ""; position: absolute; inset: 0; border-radius: 16px; }
.page-wrapper .pd-kb-cat:has(a:focus-visible) { outline: 2px solid var(--pd-accent); outline-offset: 3px; }
.page-wrapper .pd-kb-cat__title a:focus-visible { outline: none; }
.page-wrapper .pd-kb-cat__desc { margin: 0; color: var(--pd-text); font-size: 15px; line-height: 1.55; text-wrap: pretty; }
.page-wrapper .pd-kb-cat__count { display: inline-flex; align-items: center; gap: 8px; margin: auto 0 0; padding-top: 8px; color: var(--pd-accent); font: 500 14px/1.2 var(--pd-font-head); }
.page-wrapper .pd-kb-cats--compact .pd-kb-cat { padding: 22px 24px; gap: 8px; }
.page-wrapper .pd-kb-cats--compact .pd-kb-cat__title { font-size: 18px; }
.page-wrapper .pd-kb-tools { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 32px; margin: 32px 0 0; color: var(--pd-muted); font-size: 15px; }

/* filtr */
.page-wrapper .pd-kb-filter { position: relative; width: min(100%, 360px); }
.page-wrapper .pd-kb-filter__label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.page-wrapper .pd-kb-filter__icon { position: absolute; top: 50%; left: 16px; transform: translateY(-50%); color: var(--pd-muted); pointer-events: none; }
.page-wrapper .pd-kb-filter__input { width: 100%; height: 48px; padding: 0 18px 0 44px; border: 1px solid #C9CFD8; border-radius: 999px; background: #fff; color: var(--pd-ink); font: 400 16px/1 var(--pd-font-body); -webkit-appearance: none; appearance: none; }
.page-wrapper .pd-kb-filter__input:focus { border-color: var(--pd-accent); box-shadow: 0 0 0 3px rgba(29, 106, 79, 0.18); outline: none; }
.page-wrapper .pd-kb__empty { margin: 24px 0 0; color: var(--pd-text); }
.page-wrapper .pd-kb__empty a { color: var(--pd-ink); text-decoration-color: var(--pd-accent); }

@media (max-width: 1199.98px) {
	.page-wrapper .pd-kb-cards--4,
	.page-wrapper .pd-kb-cats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 991.98px) {
	.page-wrapper .pd-kb-cards { grid-template-columns: minmax(0, 1fr); }
	.page-wrapper .pd-article { grid-template-columns: minmax(0, 1fr) 32px; }
	.page-wrapper .pd-articles--numbered .pd-article { grid-template-columns: 48px minmax(0, 1fr) 32px; }
	.page-wrapper .pd-article__meta { grid-column: -3 / -2; flex-direction: row; flex-wrap: wrap; gap: 4px 16px; margin: 0; }
	.page-wrapper .pd-article__arrow { grid-column: -2; grid-row: 1; }
}

@media (max-width: 767.98px) {
	.page-wrapper .pd-kb-cats { grid-template-columns: minmax(0, 1fr); }
	.page-wrapper .pd-kb-filter { width: 100%; }
	.page-wrapper .pd-article,
	.page-wrapper .pd-articles--numbered .pd-article { grid-template-columns: minmax(0, 1fr); gap: 6px; padding: 22px 0; }
	.page-wrapper .pd-article__num { font-size: 20px; }
	.page-wrapper .pd-article__meta { grid-column: 1; margin-top: 6px; }
	.page-wrapper .pd-article__arrow { display: none; }
	.page-wrapper .pd-kb-card,
	.page-wrapper .pd-kb-cat { padding: 22px; }
}

/* artykuły jako osobne karty (wiersze rozdzielone liniami zlewały się ze sobą) */
.page-wrapper .pd-articles {
	display: grid;
	gap: 16px;
	border-top: 0;
}

.page-wrapper .pd-article {
	padding: 28px 32px;
	border: 1px solid var(--pd-line);
	border-radius: 16px;
	background: #fff;
	transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.page-wrapper .pd-article:hover {
	border-color: var(--pd-accent);
	box-shadow: 0 8px 24px -16px rgba(23, 32, 51, 0.35);
}

.page-wrapper .pd-article:has(a:focus-visible) {
	border-radius: 16px;
}

.page-wrapper .pd-article__title {
	font-size: clamp(1.2rem, 1.05rem + 0.45vw, 1.5rem);
}

.page-wrapper .pd-article__desc {
	margin-top: 10px;
	font-size: 17px;
}

.page-wrapper .pd-article__meta {
	padding-top: 6px;
}

@media (max-width: 767.98px) {
	.page-wrapper .pd-articles {
		gap: 12px;
	}

	.page-wrapper .pd-article,
	.page-wrapper .pd-articles--numbered .pd-article {
		padding: 22px 20px;
	}
}

/* ==========================================================================
   Poprawki z audytu UX nr 2
   ========================================================================== */

/* baner cookies: zwarta karta w lewym dolnym rogu - nie zasłania przycisków w hero */
.pd-cookie {
	position: fixed;
	left: 20px;
	right: auto;
	bottom: 20px;
	z-index: 9999;
	width: min(420px, calc(100vw - 40px));
	margin: 0;
	padding: 20px 22px;
	border: 1px solid var(--pd-line);
	border-radius: 16px;
	background: #fff;
	box-shadow: 0 18px 48px -18px rgba(23, 32, 51, 0.35);
	color: var(--pd-text);
}

.pd-cookie[hidden] {
	display: none;
}

.pd-cookie__text {
	margin: 0 0 14px;
	font-size: 14px;
	line-height: 1.55;
}

.pd-cookie__text a {
	color: var(--pd-ink);
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
	text-underline-offset: 3px;
}

.pd-cookie__actions {
	display: flex;
	flex-wrap: wrap;
	justify-content: flex-end;
	gap: 8px;
}

.pd-cookie__btn {
	min-height: 40px;
	padding: 0 18px;
	border: 1px solid var(--pd-accent);
	border-radius: 999px;
	font: 500 14px/1 var(--pd-font-head);
	cursor: pointer;
	transition: background-color 0.2s ease, color 0.2s ease;
}

.pd-cookie__btn--ghost {
	background: transparent;
	color: var(--pd-accent);
}

.pd-cookie__btn--ghost:hover {
	background: var(--pd-accent-tint);
}

.pd-cookie__btn--accent {
	background: var(--pd-accent);
	color: #fff;
}

.pd-cookie__btn--accent:hover {
	background: var(--pd-ink);
	border-color: var(--pd-ink);
}

@media (max-width: 480px) {
	.pd-cookie {
		left: 12px;
		bottom: 12px;
		width: calc(100vw - 24px);
	}

	.pd-cookie__btn {
		flex: 1 1 auto;
	}
}

/* komunikat błędu formularza */
.page-wrapper .pd-form-alert {
	margin: 0 0 20px;
	padding: 14px 18px;
	border-left: 3px solid #B42318;
	border-radius: 0 10px 10px 0;
	background: #FEF3F2;
	color: #7A271A;
	font-size: 15px;
	line-height: 1.5;
}

.page-wrapper [aria-invalid="true"] {
	border-color: #B42318 !important;
	box-shadow: 0 0 0 3px rgba(180, 35, 24, 0.12);
}

/* widoczny fokus klawiatury także na przyciskach szablonu (main9.css wyłącza outline z !important) */
.page-wrapper .thm-btn:focus-visible,
.page-wrapper .thm-btn-outline:focus-visible,
.page-wrapper button:focus-visible,
.page-wrapper a:focus-visible {
	outline: 2px solid var(--pd-accent) !important;
	outline-offset: 3px;
}

/* linki w akapitach treści wyglądają jak linki */
.page-wrapper .feature-six__inner p a:not([class]),
.page-wrapper .feature-six__inner li a:not([class]),
.page-wrapper .about-one p a:not([class]),
.page-wrapper .faq-one .collapse p a:not([class]),
.page-wrapper .pd-box a:not([class]),
.page-wrapper .pd-sec p a:not([class]) {
	color: var(--pd-ink);
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
	text-decoration-thickness: 1px;
	text-underline-offset: 3px;
}

.page-wrapper .feature-six__inner p a:not([class]):hover,
.page-wrapper .feature-six__inner li a:not([class]):hover,
.page-wrapper .about-one p a:not([class]):hover,
.page-wrapper .faq-one .collapse p a:not([class]):hover,
.page-wrapper .pd-box a:not([class]):hover,
.page-wrapper .pd-sec p a:not([class]):hover {
	color: var(--pd-accent);
	text-decoration-thickness: 2px;
}

/* ramka "Podstawa prawna" w tym samym stylu co pozostałe (belka z lewej) */
.pd-box--law {
	border-left: 3px solid var(--pd-ink);
	border-radius: 0 14px 14px 0;
	font-size: inherit;
}

.pd-box--law .pd-box__title::before {
	border-radius: 50%;
}

/* szerokie tabele w ramkach: przewijanie wewnątrz ramki zamiast wychodzenia poza nią */
.pd-box {
	overflow-x: auto;
}

.pd-data td,
.pd-data th {
	font-variant-numeric: tabular-nums;
}

.pd-data td:not(:first-child),
.pd-data th:not(:first-child) {
	text-align: right;
}

/* 404 i /dziekujemy: treść na tej samej krawędzi co nagłówek strony */
.page-wrapper .page-header + .pd-sec .pd-sec__container {
	max-width: 1200px; /* jak .container z nagłówka strony */
	padding: 0 15px;
}

/* hero na laptopie 1280x800: nagłówek w 3 liniach i przyciski nad zgięciem */
.pd-hero__inner {
	align-items: start;
}

.pd-hero__title {
	max-width: 18ch;
	font-size: clamp(2.4rem, 1.25rem + 2.8vw, 3.75rem);
}

@media (min-width: 992px) {
	.pd-hero__inner {
		padding-top: clamp(32px, 4vw, 64px);
	}

	.pd-hero__text {
		padding-top: clamp(16px, 3vw, 48px);
	}

	/* baner cookies na desktopie: niski pasek przy dolnej krawędzi */
	.pd-cookie {
		left: 50%;
		bottom: 16px;
		display: flex;
		align-items: center;
		gap: 24px;
		width: min(1080px, calc(100vw - 40px));
		padding: 14px 16px 14px 24px;
		transform: translateX(-50%);
	}

	.pd-cookie__text {
		margin: 0;
	}

	.pd-cookie__actions {
		flex: none;
		flex-wrap: nowrap;
	}
}

/* ==========================================================================
   Słownik pojęć (/slownik-pojec)
   ========================================================================== */

.page-wrapper .pd-glossary-nav {
	margin: 24px 0 8px;
}

.page-wrapper .pd-glossary-nav__list {
	display: flex;
	flex-wrap: wrap;
	gap: 8px;
	margin: 0;
	padding: 0;
	list-style: none;
}

.page-wrapper .pd-glossary-nav__list li,
.page-wrapper .pd-glossary-nav__list li + li {
	margin: 0;
	padding: 0;
}

.page-wrapper .pd-glossary-nav__list li::before {
	content: none;
}

.page-wrapper .pd-glossary-nav__list li::marker {
	content: none;
}

.page-wrapper .pd-glossary-nav a {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 36px;
	height: 36px;
	border: 1px solid var(--pd-line);
	border-radius: 50%;
	font-family: var(--pd-font-head);
	font-size: 15px;
	font-weight: 500;
	line-height: 1;
	color: var(--pd-ink);
	text-decoration: none;
	transition: background-color .15s ease, border-color .15s ease, color .15s ease;
}

.page-wrapper .pd-glossary-nav a:hover,
.page-wrapper .pd-glossary-nav a:focus-visible {
	background-color: var(--pd-accent);
	border-color: var(--pd-accent);
	color: var(--pd-on-accent);
}

.page-wrapper .pd-glossary-letter {
	margin: 48px 0 4px;
	padding-bottom: 8px;
	border-bottom: 2px solid var(--pd-accent);
	max-width: 72ch;
	font-size: 28px;
	line-height: 1.2;
	scroll-margin-top: calc(var(--pd-header-h) + 24px);
}

.page-wrapper .pd-glossary {
	max-width: 72ch;
	margin: 0;
}

.page-wrapper .pd-glossary dt {
	margin: 0;
	padding-top: 20px;
	font-family: var(--pd-font-head);
	font-size: 19px;
	font-weight: 500;
	line-height: 1.35;
	color: var(--pd-ink);
	scroll-margin-top: calc(var(--pd-header-h) + 24px);
}

.page-wrapper .pd-glossary dd {
	margin: 6px 0 0;
	padding-bottom: 20px;
	border-bottom: 1px solid var(--pd-line);
	font-size: 16px;
	line-height: 1.65;
	color: var(--pd-text);
}

.page-wrapper .pd-glossary dd a {
	color: var(--pd-ink);
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
	text-decoration-thickness: 1px;
	text-underline-offset: 3px;
}

.page-wrapper .pd-glossary dd a:hover {
	color: var(--pd-accent);
	text-decoration-thickness: 2px;
}

.page-wrapper .pd-glossary dd:last-child {
	border-bottom: 0;
}

.page-wrapper .pd-glossary dt:target {
	color: var(--pd-accent);
}

@media (max-width: 767.98px) {
	.page-wrapper .pd-glossary-letter {
		margin-top: 36px;
		font-size: 24px;
	}

	.page-wrapper .pd-glossary dt {
		font-size: 18px;
	}
}

/* ścieżka nauki na stronie bazy wiedzy: poziom (opis) | lista artykułów w kolejności czytania */
.page-wrapper .pd-path {
	display: grid;
	gap: 16px;
	margin: 0;
	padding: 0;
	list-style: none;
}

.page-wrapper .pd-path__level {
	display: grid;
	grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
	gap: 24px 48px;
	margin: 0;
	padding: 32px;
	border-radius: 16px;
	background: var(--pd-accent-tint);
}

.page-wrapper .pd-path__num {
	margin: 0 0 8px;
	color: var(--pd-accent);
	font: 500 15px/1.2 var(--pd-font-head);
}

.page-wrapper .pd-path__title {
	margin: 0;
	color: var(--pd-ink);
	font: 500 clamp(1.3rem, 1.1rem + 0.6vw, 1.6rem)/1.2 var(--pd-font-head);
	letter-spacing: -0.02em;
}

.page-wrapper .pd-path__desc {
	max-width: 44ch;
	margin: 10px 0 0;
	color: var(--pd-text);
	font-size: 16px;
	line-height: 1.55;
}

.page-wrapper .pd-path__meta {
	margin: 12px 0 0;
	color: var(--pd-muted);
	font-size: 14px;
}

.page-wrapper .pd-path__list {
	margin: 0;
	padding: 0;
	list-style: none;
	counter-reset: pd-path;
}

.page-wrapper .pd-path__list li {
	display: flex;
	align-items: baseline;
	gap: 16px;
	margin: 0;
	padding: 12px 0;
	border-bottom: 1px solid rgba(23, 32, 51, 0.1);
	counter-increment: pd-path;
}

.page-wrapper .pd-path__list li:first-child {
	padding-top: 0;
}

.page-wrapper .pd-path__list li::before {
	content: counter(pd-path);
	flex: none;
	width: 20px;
	color: var(--pd-accent);
	font: 500 15px/1.4 var(--pd-font-head);
}

.page-wrapper .pd-path__list a {
	flex: 1;
	color: var(--pd-ink);
	font: 500 17px/1.4 var(--pd-font-head);
	text-decoration: none;
}

.page-wrapper .pd-path__list a:hover {
	color: var(--pd-accent);
	text-decoration: underline;
	text-underline-offset: 3px;
}

.page-wrapper .pd-path__list span {
	flex: none;
	color: var(--pd-muted);
	font-size: 14px;
}

@media (max-width: 991.98px) {
	.page-wrapper .pd-path__level {
		grid-template-columns: minmax(0, 1fr);
		padding: 24px 20px;
	}
}

/* ikony kart "Kiedy private debt ma sens" - jedna rodzina ikon liniowych */
.pd-card__icon {
	font-size: 24px;
}

/* przycisk "do góry": mniejszy i spokojniejszy, nie zasłania treści na telefonie */
.page-wrapper ~ .scroll-to-top,
.scroll-to-top {
	width: 40px !important;
	height: 40px !important;
	right: 20px !important;
	bottom: 88px !important;
	border: 1px solid var(--pd-line) !important;
	background: #fff !important;
	color: var(--pd-ink) !important;
	box-shadow: 0 8px 20px -12px rgba(23, 32, 51, 0.4);
	line-height: 38px !important;
	font-size: 16px !important;
}

.scroll-to-top:hover {
	border-color: var(--pd-accent) !important;
	color: var(--pd-accent) !important;
}

/* menu mobilne: karta promocyjna w panelu dublowała przyklejony przycisk na dole i była ucinana */
@media (max-width: 1199.98px) {
	.pd-panel__feature {
		display: none;
	}
}

/* ==========================================================================
   Panel menu v3: etykieta grupy (wersaliki + linia) | podstrony 16 px w jednym rytmie
   karta 280 px po prawej od 1400 px, poniżej pas pod kolumnami
   ========================================================================== */

/* szybkie linki pod tytułem (np. Wiedza: Polecane / Nowe) - na mobile niepotrzebne */
.pd-panel__quick {
	display: none;
}

@media (min-width: 1200px) {
	.pd-panel .pd-panel__inner {
		grid-template-columns: minmax(0, 1fr) 280px;
		column-gap: 56px;
		padding: 36px var(--pd-gutter) 48px;
	}

	.pd-panel .pd-panel__title {
		margin: 0;
		font: 500 28px/1.2 var(--pd-font-head);
		letter-spacing: -0.02em;
	}

	.pd-panel .pd-panel__quick {
		display: flex;
		flex-wrap: wrap;
		gap: 6px 28px;
		margin: 14px 0 0;
		padding: 0;
		list-style: none;
	}

	.pd-panel .pd-panel__quick a {
		color: var(--pd-ink);
		font: 500 15px/1.3 var(--pd-font-head);
		text-decoration: underline;
		text-decoration-color: rgba(29, 106, 79, 0.45);
		text-decoration-thickness: 1px;
		text-underline-offset: 5px;
	}

	.pd-panel .pd-panel__quick a:hover {
		color: var(--pd-accent);
		text-decoration-color: var(--pd-accent);
	}

	.pd-panel .pd-panel__groups {
		margin-top: 32px;
		gap: 40px 32px;
	}

	/* etykieta grupy */
	.pd-panel .pd-panel__heading,
	.pd-panel a.pd-panel__heading {
		display: flex;
		align-items: center;
		justify-content: space-between;
		gap: 8px;
		min-height: 0;
		margin: 0 0 8px;
		padding: 0 0 12px;
		border-bottom: 1px solid var(--pd-line);
		color: var(--pd-accent);
		font: 600 12.5px/1.3 var(--pd-font-head);
		letter-spacing: 0.09em;
		text-transform: uppercase;
		text-decoration: none;
		white-space: normal;
		text-wrap: balance;
		transition: color 0.15s ease, border-color 0.15s ease;
	}

	.pd-panel a.pd-panel__heading:hover,
	.pd-panel a.pd-panel__heading:focus-visible,
	.pd-panel a.pd-panel__heading[aria-current="page"] {
		color: var(--pd-ink);
		border-bottom-color: var(--pd-accent);
	}

	/* podstrony: jeden rozmiar, jedna interlinia, ciemny tekst */
	.pd-panel .pd-panel__links {
		margin: 0;
		padding: 0;
		list-style: none;
	}

	.pd-panel .pd-panel__links li,
	.pd-panel .pd-panel__links li + li {
		margin: 0;
		line-height: 1.3;
	}

	.pd-panel .pd-panel__links a {
		display: block;
		padding: 6px 0;
		color: var(--pd-ink);
		font: 400 16px/1.3 var(--pd-font-body);
		text-decoration: none;
		text-wrap: pretty;
		transition: color 0.15s ease;
	}

	.pd-panel .pd-panel__links a:hover,
	.pd-panel .pd-panel__links a:focus-visible {
		color: var(--pd-accent);
		text-decoration: underline;
		text-decoration-thickness: 1px;
		text-underline-offset: 4px;
	}

	.pd-panel .pd-panel__links a[aria-current="page"] {
		color: var(--pd-accent);
		font-weight: 600;
	}

	/* druga kolumna długiej grupy (branże 4+4): linia etykiety nad obiema kolumnami */
	.pd-panel .pd-panel__group--cont {
		padding-top: 0;
	}

	.pd-panel .pd-panel__group--cont::before {
		content: "";
		display: block;
		height: calc(12.5px * 1.3 + 12px);
		margin-bottom: 8px;
		border-bottom: 1px solid var(--pd-line);
	}

	/* karta: węższa, spokojniejsza */
	.pd-panel .pd-panel__feature {
		gap: 8px;
		padding: 24px;
		border-radius: 12px;
	}

	.pd-panel .pd-panel__feature-title {
		font: 600 18px/1.3 var(--pd-font-head);
		letter-spacing: -0.01em;
		text-wrap: balance;
	}

	.pd-panel .pd-panel__feature-text {
		font-size: 15px;
		line-height: 1.5;
	}

	.pd-panel .pd-panel__feature-cta {
		padding-top: 10px;
	}
}

/* 1200-1399: karta schodzi pod kolumny jako pas - kolumny dostają całą szerokość */
@media (min-width: 1200px) and (max-width: 1399.98px) {
	.pd-panel .pd-panel__inner {
		grid-template-columns: minmax(0, 1fr);
		row-gap: 32px;
	}

	.pd-panel .pd-panel__feature {
		flex-direction: row;
		flex-wrap: wrap;
		align-items: center;
		gap: 6px 32px;
		padding: 18px 24px;
	}

	.pd-panel .pd-panel__feature-title {
		font-size: 17px;
	}

	.pd-panel .pd-panel__feature-text {
		flex: 1 1 320px;
	}

	.pd-panel .pd-panel__feature-cta {
		margin-left: auto;
		padding-top: 0;
	}
}

@media (min-width: 1200px) {
	/* etykiety grup w jednej linii - listy podstron startują na tej samej wysokości */
	.pd-panel .pd-panel__heading,
	.pd-panel a.pd-panel__heading {
		white-space: nowrap;
		letter-spacing: 0.07em;
	}
}

/* "Nasze zasady": 6 deklaracji w siatce 3 x 2 */
.pd-rules {
	display: grid;
	grid-template-columns: repeat(3, minmax(0, 1fr));
	gap: 32px 40px;
	margin: 0;
	padding: 0;
	list-style: none;
}

.pd-rules__item {
	display: flex;
	align-items: flex-start;
	gap: 16px;
	margin: 0;
}

.pd-rules__check {
	display: inline-flex;
	flex: none;
	align-items: center;
	justify-content: center;
	width: 36px;
	height: 36px;
	border-radius: 50%;
	background: #fff;
	color: var(--pd-accent);
}

.page-wrapper .pd-rules__title {
	margin: 4px 0 6px;
	color: var(--pd-ink);
	font: 500 18px/1.3 var(--pd-font-head);
}

.page-wrapper .pd-rules__text {
	margin: 0;
	color: var(--pd-text);
	font-size: 16px;
	line-height: 1.55;
}

@media (max-width: 991.98px) {
	.pd-rules {
		grid-template-columns: repeat(2, minmax(0, 1fr));
	}
}

@media (max-width: 767.98px) {
	.pd-rules {
		grid-template-columns: minmax(0, 1fr);
		gap: 24px;
	}
}

.scroll-to-top i,
.scroll-to-top:hover i {
	color: inherit !important;
}

/* formularze: widoczne etykiety nad polami */
.page-wrapper .pd-field__label {
	display: block;
	margin: 0 0 6px;
	color: var(--pd-ink);
	font: 500 14px/1.3 var(--pd-font-head);
}

.page-wrapper .pd-field__req {
	color: #B42318;
}

.page-wrapper .pd-field__opt {
	color: var(--pd-muted);
	font-weight: 400;
}

/* komunikat błędu nie chowa się pod przyklejonym nagłówkiem */
.page-wrapper .pd-form-alert,
.page-wrapper form {
	scroll-margin-top: calc(var(--pd-header-h) + 24px);
}

/* przycisk "do góry" na telefonie zasłaniał treść (m.in. zgodę w formularzach) */
@media (max-width: 767.98px) {
	.scroll-to-top {
		display: none !important;
	}
}

/* ==========================================================================
   Jedna krawędź siatki w całym serwisie: nagłówek, panele menu, treść podstron (bootstrap .container),
   sekcje strony głównej i stopka - wspólne 1320 px z marginesem --pd-gutter
   ========================================================================== */
.pd-header__bar,
.pd-panel__inner {
	max-width: 1320px;
}

@media (min-width: 1200px) {
	.pd-panel .pd-panel__inner {
		max-width: 1320px;
	}
}

.page-wrapper .container {
	width: 100%;
	max-width: 1320px;
	padding-left: var(--pd-gutter);
	padding-right: var(--pd-gutter);
}

.page-wrapper .page-header + .pd-sec .pd-sec__container {
	max-width: 1320px;
	padding: 0 var(--pd-gutter);
}

/* "Dla kogo": 8 branż jako jedna grupa na 2 kolumny siatki - wspólna etykieta i linia nad obiema kolumnami */
@media (min-width: 1200px) {
	.pd-panel .pd-panel__group--wide {
		grid-column: span 2;
	}

	.pd-panel .pd-panel__links--2col {
		columns: 2;
		column-gap: 32px;
	}

	.pd-panel .pd-panel__links--2col li {
		break-inside: avoid;
	}
}

/* menu mobilne: "Zamknij" w kolorze reszty nagłówka */
.pd-header__burger,
.pd-header__burger:hover,
.pd-header__burger:focus,
.pd-header__burger[aria-expanded="true"] {
	color: var(--pd-ink);
}

/* baner cookies na telefonie: niższy - przyciski obok siebie, mniejszy tekst */
@media (max-width: 480px) {
	.pd-cookie {
		padding: 14px 16px;
	}

	.pd-cookie__text {
		margin-bottom: 10px;
		font-size: 13px;
		line-height: 1.45;
	}

	.pd-cookie__actions {
		flex-wrap: nowrap;
	}

	.pd-cookie__btn {
		min-height: 38px;
		padding: 0 12px;
		font-size: 13px;
	}
}

/* hero: skrót "Naszych zasad" pod przyciskami */
.pd-hero__trust {
	display: flex;
	flex-wrap: wrap;
	gap: 8px 24px;
	margin: 28px 0 0;
	padding: 0;
	list-style: none;
}

.pd-hero__trust li {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	margin: 0;
	color: var(--pd-text);
	font-size: 15px;
	line-height: 1.4;
}

.pd-hero__trust svg {
	flex: none;
	color: var(--pd-accent);
}

/* przyklejony przycisk "Sprawdź finansowanie" na telefonie */
.pd-sticky-cta {
	display: none;
}

@media (max-width: 767.98px) {
	.pd-sticky-cta {
		position: fixed;
		left: 12px;
		right: 12px;
		bottom: 12px;
		z-index: 900;
		display: flex;
		align-items: center;
		justify-content: center;
		min-height: 52px;
		border-radius: 999px;
		background: var(--pd-accent);
		box-shadow: 0 12px 28px -12px rgba(23, 32, 51, 0.5);
		color: #fff !important;
		font: 600 16px/1 var(--pd-font-head);
		text-decoration: none !important;
	}

	.pd-sticky-cta[hidden] {
		display: none;
	}

	/* miejsce na przycisk pod stopką */
	.pd-footer__wrap {
		padding-bottom: 88px;
	}
}

/* kwalifikator w dwóch krokach: kafelki wyboru */
.page-wrapper .pd-qform__step {
	margin: 0 0 32px;
	padding: 0;
	border: 0;
}

.page-wrapper .pd-qform__step[hidden] {
	display: none;
}

.page-wrapper .pd-qform__legend {
	display: flex;
	align-items: center;
	gap: 12px;
	width: auto;
	margin: 0 0 20px;
	color: var(--pd-ink);
	font: 500 22px/1.3 var(--pd-font-head);
}

.page-wrapper .pd-qform__num {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 32px;
	height: 32px;
	border-radius: 50%;
	background: var(--pd-accent);
	color: #fff;
	font-size: 15px;
}

.page-wrapper .pd-qform__hint {
	color: var(--pd-muted);
	font: 400 14px/1 var(--pd-font-body);
}

.page-wrapper .pd-qform__calc {
	margin: 0 0 20px;
	padding: 12px 16px;
	border-radius: 10px;
	background: var(--pd-accent-tint);
	color: var(--pd-ink);
	font-size: 15px;
}

.page-wrapper .pd-tiles {
	display: flex;
	flex-wrap: wrap;
	gap: 10px;
	margin: 0 0 22px;
}

.page-wrapper .pd-tile {
	position: relative;
	margin: 0;
	cursor: pointer;
}

.page-wrapper .pd-tile input {
	position: absolute;
	opacity: 0;
	pointer-events: none;
}

.page-wrapper .pd-tile span {
	display: inline-flex;
	align-items: center;
	min-height: 44px;
	padding: 10px 16px;
	border: 1px solid #C9CFD8;
	border-radius: 999px;
	background: #fff;
	color: var(--pd-ink);
	font: 500 15px/1.2 var(--pd-font-head);
	transition: border-color 0.15s ease, background-color 0.15s ease;
}

.page-wrapper .pd-tile:hover span {
	border-color: var(--pd-accent);
}

.page-wrapper .pd-tile input:checked + span {
	border-color: var(--pd-accent);
	background: var(--pd-accent);
	color: #fff;
}

.page-wrapper .pd-tile input:focus-visible + span {
	outline: 2px solid var(--pd-accent);
	outline-offset: 2px;
}

.page-wrapper .pd-qform__back {
	margin-left: 16px;
	padding: 0;
	border: 0;
	background: none;
	color: var(--pd-ink);
	font: 500 15px/1.3 var(--pd-font-head);
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
	text-underline-offset: 5px;
	cursor: pointer;
}

.page-wrapper .pd-qform__back[hidden],
.page-wrapper .pd-qform__next[hidden] {
	display: none;
}

/* pas CTA: tekst zajmuje całą dostępną szerokość obok przycisków */
.page-wrapper .call-to-action .left-content {
	flex: 1 1 480px;
}

.page-wrapper .call-to-action h2,
.page-wrapper .call-to-action h3 {
	max-width: 34ch;
	text-wrap: balance;
}

.page-wrapper .call-to-action p {
	max-width: 64ch;
}

/* bloki na całą szerokość kolumny (klient: tekst na pół kolumny wygląda na błąd) */
.pd-definition {
	max-width: none;
	text-wrap: pretty;
}

.pd-limits p {
	max-width: none;
}

/* pas CTA: tekst w pełnej szerokości, przyciski pod nim */
.page-wrapper .call-to-action .container {
	flex-direction: column;
	align-items: flex-start;
}

.page-wrapper .call-to-action .left-content {
	flex: none;
	width: 100%;
}

.page-wrapper .call-to-action h2,
.page-wrapper .call-to-action h3,
.page-wrapper .call-to-action p {
	max-width: none;
}

/* kolejne bloki na pełną szerokość (skan szerokości tekstu na 30 typach stron) */
.pd-note,
.page-wrapper .pd-kb__intro,
.page-wrapper .pd-article__desc {
	max-width: none;
}

/* wstęp pod H1 na pełną szerokość nagłówka strony (decyzja klienta) */
.page-header .pd-standfirst {
	max-width: none;
}

/* słownik: lewa kolumna (wyszukiwarka + litery) przyklejona, hasła po prawej */
.page-wrapper .pd-gloss {
	padding: clamp(40px, 5vw, 72px) 0 clamp(56px, 7vw, 96px);
	background: #fff;
}

.page-wrapper .pd-gloss__layout {
	display: grid;
	grid-template-columns: 300px minmax(0, 1fr);
	gap: 32px clamp(40px, 6vw, 96px);
	align-items: start;
}

.page-wrapper .pd-gloss__sticky {
	position: sticky;
	top: calc(var(--pd-header-h) + 24px);
}

.page-wrapper .pd-gloss__search {
	width: 100%;
}

.page-wrapper .pd-gloss__count {
	margin: 12px 0 18px;
	color: var(--pd-muted);
	font-size: 14px;
}

.page-wrapper .pd-gloss .pd-glossary-nav {
	margin: 0;
}

.page-wrapper .pd-gloss .pd-glossary-nav__list {
	display: grid;
	grid-template-columns: repeat(6, 40px);
	gap: 8px;
}

.page-wrapper .pd-glossary-nav__link.is-empty {
	opacity: 0.3;
	pointer-events: none;
}

.page-wrapper .pd-gloss__intro {
	margin: 0 0 32px;
	padding: 20px 24px;
	border-left: 3px solid var(--pd-accent);
	border-radius: 0 14px 14px 0;
	background: var(--pd-accent-tint);
	color: var(--pd-ink);
	font-size: 17px;
	line-height: 1.6;
}

.page-wrapper .pd-gloss .pd-glossary,
.page-wrapper .pd-gloss .pd-glossary-letter {
	max-width: none;
}

.page-wrapper .pd-gloss__group[hidden],
.page-wrapper .pd-gloss__item[hidden] {
	display: none;
}

.page-wrapper .pd-gloss .pd-glossary-letter {
	scroll-margin-top: calc(var(--pd-header-h) + 24px);
}

@media (max-width: 991.98px) {
	.page-wrapper .pd-gloss__layout {
		grid-template-columns: minmax(0, 1fr);
	}

	/* na telefonie i tablecie: wyszukiwarka i litery przyklejone u góry jako pasek */
	.page-wrapper .pd-gloss__sticky {
		top: var(--pd-header-h);
		z-index: 5;
		margin: 0 calc(-1 * var(--pd-gutter));
		padding: 12px var(--pd-gutter);
		background: #fff;
		box-shadow: 0 8px 16px -14px rgba(23, 32, 51, 0.4);
	}

	.page-wrapper .pd-gloss__count {
		display: none;
	}

	.page-wrapper .pd-gloss .pd-glossary-nav {
		margin-top: 10px;
		overflow-x: auto;
	}

	.page-wrapper .pd-gloss .pd-glossary-nav__list {
		display: flex;
		width: max-content;
	}
}

/* kolumna z wyszukiwarką rozciągnięta na wysokość listy - inaczej sticky nie ma miejsca na przewijanie */
.page-wrapper .pd-gloss__aside {
	align-self: stretch;
}

@media (max-width: 991.98px) {
	/* na telefonie przykleja się cała kolumna wyszukiwarki (jej rodzicem jest układ z listą haseł) */
	.page-wrapper .pd-gloss__aside {
		position: sticky;
		top: var(--pd-header-h);
		z-index: 5;
		align-self: start;
	}

	.page-wrapper .pd-gloss__sticky {
		position: static;
	}
}

@media (max-width: 991.98px) {
	.page-wrapper .pd-gloss .pd-glossary-letter,
	.page-wrapper .pd-gloss dt {
		scroll-margin-top: calc(var(--pd-header-h) + 130px);
	}
}

/* ==========================================================================
   Wyszukiwarka serwisu: lupa w nagłówku i formularz na /szukaj
   ========================================================================== */
.pd-nav__search {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	gap: 8px;
	width: 40px;
	height: 40px;
	border-radius: 50%;
	color: var(--pd-muted);
	text-decoration: none;
}

.pd-nav__search:hover,
.pd-nav__search[aria-current="page"] {
	color: var(--pd-ink);
	background: var(--pd-accent-tint);
}

.pd-nav__search-label {
	position: absolute;
	width: 1px;
	height: 1px;
	overflow: hidden;
	clip: rect(0 0 0 0);
	white-space: nowrap;
}

@media (max-width: 1199.98px) {
	.pd-nav__search {
		width: auto;
		height: auto;
		border-radius: 0;
		font: 400 16px/1.2 var(--pd-font-head);
	}

	.pd-nav__search:hover { background: none; }

	.pd-nav__search-label {
		position: static;
		width: auto;
		height: auto;
		clip: auto;
	}
}

.page-wrapper .pd-search {
	display: flex;
	gap: 12px;
	margin-top: 28px;
}

.page-wrapper .pd-search__input {
	flex: 1;
	min-width: 0;
	height: 56px;
	padding: 0 22px;
	border: 1px solid #C9CFD8;
	border-radius: 999px;
	background: #fff;
	color: var(--pd-ink);
	font: 400 17px/1 var(--pd-font-body);
	-webkit-appearance: none;
	appearance: none;
}

.page-wrapper .pd-search__input:focus {
	border-color: var(--pd-accent);
	box-shadow: 0 0 0 3px rgba(29, 106, 79, 0.18);
	outline: none;
}

.page-wrapper .pd-search .pd-btn {
	flex: none;
	height: 56px;
}

.page-wrapper .pd-search__results mark {
	padding: 0 2px;
	border-radius: 3px;
	background: #DCEBE3;
	color: inherit;
}

@media (max-width: 575.98px) {
	.page-wrapper .pd-search { flex-direction: column; }
	.page-wrapper .pd-search__input { flex: none; } /* w kolumnie flex: 1 zgniatał wysokość pola */
}

/* kwalifikator: podsumowanie kroku 1 w kroku 2 i zasady przy przycisku wysyłki */
.page-wrapper .pd-qform__summary {
	margin: 0 0 20px;
	padding: 12px 16px;
	border-radius: 10px;
	background: var(--pd-accent-tint);
	color: var(--pd-ink);
	font-size: 15px;
}

.page-wrapper .pd-qform__change {
	padding: 0;
	border: 0;
	background: none;
	color: var(--pd-accent);
	font: inherit;
	text-decoration: underline;
	text-underline-offset: 3px;
	cursor: pointer;
}

.page-wrapper .pd-qform__trust {
	margin: 12px 0 0;
	color: var(--pd-muted);
	font-size: 14px;
}

/* przycisk w nagłówku stron sprzedażowych (index.php: pd_hero_cta) */
.page-header .pd-hero-cta {
	display: flex;
	flex-wrap: wrap;
	align-items: center;
	gap: 14px 28px;
	margin: 28px 0 0;
}

/* link "Przejdź do treści" - widoczny tylko przy nawigacji klawiaturą */
.pd-skip {
	position: absolute;
	top: -100px;
	left: 16px;
	z-index: 1000;
	padding: 12px 18px;
	border-radius: 0 0 10px 10px;
	background: var(--pd-ink);
	color: #fff;
	font: 500 15px/1.2 var(--pd-font-head);
}

.pd-skip:focus {
	top: 0;
	color: #fff;
}

.pd-main:focus {
	outline: none;
}

/* linki w akapitach formularza kontaktowego - podkreślone jak w reszcie treści */
.page-wrapper .contact-one p a {
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
	text-underline-offset: 3px;
}

/* telefon: pasek CTA na dole podstron wyrównany do lewej (jak na desktopie, szablon centrował tylko część elementów) */
@media (max-width: 991.98px) {
	.page-wrapper .call-to-action .container {
		align-items: flex-start;
		text-align: left;
	}
}

/* telefon: "Krótka odpowiedź" lżejsza - wcześniej ~10 wierszy po 22 px przed właściwą treścią */
@media (max-width: 767.98px) {
	.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > .block-title {
		padding: 18px 18px 0;
	}

	.page-wrapper .about-one .col-lg-12:has(> .block-title:first-child) > .block-title ~ p {
		padding: 10px 18px 18px;
		font-size: 1.125rem;
		line-height: 1.5;
	}
}

/* podświetlenie w wynikach wyszukiwania bez odstępu przed interpunkcją */
.page-wrapper .pd-search__results mark {
	padding: 0;
}

.page-wrapper .pd-gloss mark {
	padding: 0;
	border-radius: 3px;
	background: #DCEBE3;
	color: inherit;
}

/* "Jak pracujemy": nagłówek i wstęp wyrównane do góry jak w pozostałych sekcjach 5:7 */
.pd-sec#zasady .pd-sec__head {
	align-items: start;
}

/* stopka na telefonie: bez osieroconego separatora po adresie e-mail */
@media (max-width: 575.98px) {
	.pd-footer__connect .pd-footer__sep {
		display: none;
	}

	.pd-footer__connect > span:last-child {
		display: block;
		width: 100%;
	}
}

/* ==========================================================================
   Odsetki z KC ze stopy NBP (modules/_odsetki_nbp.php): tabela "stan na" i wykres schodkowy
   ========================================================================== */
.page-wrapper .pd-rates {
	padding: clamp(20px, 3vw, 32px);
	border: 1px solid #DFE5EB;
	border-radius: 16px;
	background: #fff;
}

.page-wrapper .pd-rates__title {
	margin: 0;
	color: var(--pd-ink);
	font: 500 clamp(1.1rem, 1rem + 0.4vw, 1.3rem)/1.3 var(--pd-font-head);
}

.page-wrapper .pd-rates__note,
.page-wrapper .pd-rates__src {
	margin: 8px 0 0;
	color: var(--pd-muted);
	font-size: 14px;
}

.page-wrapper .pd-rates__table {
	width: 100%;
	margin: 20px 0 0;
}

.page-wrapper .pd-rates__table td {
	text-align: right;
	white-space: nowrap;
	font-variant-numeric: tabular-nums;
}

.page-wrapper .pd-rates__chart {
	margin: 24px 0 0;
}

.page-wrapper .pd-rates__chart svg {
	display: block;
	width: 100%;
	height: auto;
}

.page-wrapper .pd-rates__grid { stroke: #E7ECF0; stroke-width: 1; }
.page-wrapper .pd-rates__axis { fill: var(--pd-muted); font: 400 12px var(--pd-font-body); }
.page-wrapper .pd-rates__line { fill: none; stroke-linejoin: round; }
.page-wrapper .pd-rates__line--max { stroke: var(--pd-accent); stroke-width: 3; }
.page-wrapper .pd-rates__line--ust { stroke: var(--pd-ink); stroke-width: 1.5; }
.page-wrapper .pd-rates__line--ref { stroke: #9AA3AF; stroke-width: 1.5; stroke-dasharray: 5 4; }
.page-wrapper .pd-rates__dot { fill: var(--pd-accent); stroke: #fff; stroke-width: 2; }

.page-wrapper .pd-rates__legend {
	display: flex;
	flex-wrap: wrap;
	gap: 8px 24px;
	margin: 12px 0 0;
	color: var(--pd-text);
	font-size: 14px;
}

.page-wrapper .pd-rates__key::before {
	content: "";
	display: inline-block;
	width: 18px;
	margin-right: 8px;
	vertical-align: middle;
	border-top: 3px solid var(--pd-accent);
}

.page-wrapper .pd-rates__key--ust::before { border-top: 1.5px solid var(--pd-ink); }
.page-wrapper .pd-rates__key--ref::before { border-top: 1.5px dashed #9AA3AF; }

.page-wrapper .pd-rates__info {
	margin: 20px 0 0;
	padding: 14px 18px;
	border-radius: 10px;
	background: var(--pd-accent-tint);
	color: var(--pd-ink);
	font-size: 15px;
}

/* sekcja z aktualnymi odsetkami na pełną szerokość (tabela i wykres potrzebują miejsca) */
.page-wrapper #aktualne .feature-six__inner {
	display: block;
}

.page-wrapper #aktualne .block-title {
	margin-bottom: 28px;
}

@media (max-width: 575.98px) {
	/* wykres skaluje się ok. 0,4x - większe podpisy osi w jednostkach SVG */
	.page-wrapper .pd-rates__axis { font-size: 26px; }
	.page-wrapper .pd-rates__line--max { stroke-width: 5; }
	.page-wrapper .pd-rates__line--ust, .page-wrapper .pd-rates__line--ref { stroke-width: 2.5; }
}

/* odsetki karne (maksymalne za opóźnienie) - czerwone */
.page-wrapper .pd-rates__line--kar { stroke: #C8372D; stroke-width: 2.5; }
.page-wrapper .pd-rates__dot--kar { fill: #C8372D; }
.page-wrapper .pd-rates__key--kar::before { border-top: 3px solid #C8372D; }

@media (max-width: 575.98px) {
	.page-wrapper .pd-rates__line--kar { stroke-width: 4; }
}

.page-wrapper #aktualne .block-title {
	position: static;
}

/* tabela odsetek na całą szerokość ramki, opisy w jednej linii (na telefonie mogą się łamać) */
.page-wrapper .pd-rates__table {
	max-width: none;
}

@media (min-width: 768px) {
	.page-wrapper .pd-rates__table th {
		white-space: nowrap;
	}
}

/* ramka "co dalej" w artykułach bazy wiedzy (index.php: pd_kb_cta) */
.page-wrapper .pd-kb-cta {
	padding: clamp(24px, 3vw, 40px) 0;
}

.page-wrapper .pd-kb-cta__box {
	padding: clamp(22px, 3vw, 36px) clamp(22px, 4vw, 48px);
	border-left: 3px solid var(--pd-accent);
	border-radius: 0 16px 16px 0;
	background: var(--pd-accent-tint);
}

.page-wrapper .pd-kb-cta__title {
	margin: 0;
	color: var(--pd-ink);
	font: 500 clamp(1.2rem, 1.05rem + 0.5vw, 1.5rem)/1.3 var(--pd-font-head);
}

.page-wrapper .pd-kb-cta__text {
	margin: 8px 0 0;
	color: var(--pd-text);
}

.page-wrapper .pd-kb-cta__actions {
	display: flex;
	flex-wrap: wrap;
	align-items: center;
	gap: 14px 28px;
	margin: 20px 0 0;
}

.page-header .pd-article-meta a {
	color: inherit;
	text-decoration: underline;
	text-decoration-color: var(--pd-accent);
	text-underline-offset: 3px;
}

/* "Powiązane strony" przed FAQ (index.php: pd_powiazane) */
.page-wrapper .pd-related {
	padding: clamp(32px, 4vw, 56px) 0;
	background: #fff;
}

.page-wrapper .pd-related__title {
	margin: 0 0 16px;
	color: var(--pd-ink);
	font: 500 clamp(1.2rem, 1.05rem + 0.5vw, 1.5rem)/1.3 var(--pd-font-head);
}

.page-wrapper .pd-related__list {
	display: grid;
	grid-template-columns: repeat(auto-fill, minmax(min(100%, 380px), 1fr));
	gap: 0 32px;
	margin: 0;
	padding: 0;
	list-style: none;
}

.page-wrapper .pd-related__list li {
	border-bottom: 1px solid var(--pd-line);
}

.page-wrapper .pd-related__list a {
	display: block;
	padding: 14px 24px 14px 0;
	color: var(--pd-ink);
	font: 500 16px/1.4 var(--pd-font-head);
	text-decoration: none;
	background: no-repeat right center / 16px url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M3 8h9.5M8.5 4l4 4-4 4' fill='none' stroke='%231D6A4F' stroke-width='1.5'/%3E%3C/svg%3E");
}

.page-wrapper .pd-related__list a:hover {
	color: var(--pd-accent);
}

.page-wrapper .pd-qform__skip {
	margin: 0 0 18px;
	color: var(--pd-muted);
	font-size: 14px;
}