:root {
  --color-background: #f3f1ed;
  --color-surface: #fffdf9;
  --color-surface-strong: #ffffff;
  --color-text: #22201c;
  --color-muted: #5d5850;
  --color-border: #d8d1c8;
  --color-border-strong: #b7ab9f;
  --color-link: #214f86;
  --color-link-hover: #173a63;
  --color-accent: #2f5c4d;
  --color-accent-soft: #e5efe9;
  --color-focus: #2f5c4d;
  --color-success-bg: #e7f4ee;
  --color-success-border: #83b19c;
  --color-error-bg: #fceceb;
  --color-error-border: #d49a96;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --shadow-soft: 0 6px 18px rgba(42, 36, 30, 0.07);
  --shadow-header: 0 8px 24px rgba(25, 21, 18, 0.12);
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --font-body: "Trebuchet MS", "Gill Sans", "Verdana", sans-serif;
  --font-headings: "Palatino Linotype", "Book Antiqua", "Georgia", serif;
  --layout-max: 1160px;
  --reading-max: 78ch;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  background:
    radial-gradient(circle at 0 0, #f9f6f1 0, transparent 35%),
    radial-gradient(circle at 100% 100%, #eeece6 0, transparent 32%),
    var(--color-background);
  color: var(--color-text);
  font-family: var(--font-body);
  font-size: 18px;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}

a {
  color: var(--color-link);
  text-decoration-thickness: 1.5px;
  text-underline-offset: 2px;
}

a:hover {
  color: var(--color-link-hover);
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible {
  outline: 2px solid var(--color-focus);
  outline-offset: 2px;
}

.skip-link {
  position: absolute;
  top: -48px;
  left: var(--space-4);
  z-index: 1000;
  background: var(--color-accent);
  color: #ffffff;
  text-decoration: none;
  border-radius: var(--radius-sm);
  padding: var(--space-2) var(--space-4);
  transition: top 0.2s ease;
}

.skip-link:focus {
  top: var(--space-3);
}

.site-header,
main,
.site-footer {
  width: min(var(--layout-max), calc(100% - 2rem));
  margin-inline: auto;
}

.site-header {
  width: min(var(--reading-max), calc(100% - 2rem));
  margin-inline: auto;
  position: relative;
  z-index: 20;
  margin-top: var(--space-5);
  padding: var(--space-5) var(--space-6);
  background: #fffdfb;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  transition: box-shadow 0.2s ease, border-color 0.2s ease;
  backdrop-filter: blur(6px);
}

.page-tool .site-header,
.route-narzedzia .site-header,
.route-narzedzia-kalkulator-odsetek .site-header,
.route-narzedzia-timeline-windykacji .site-header,
.route-narzedzia-kalkulator-raty-ugody .site-header,
.route-narzedzia-kalkulator-terminu-sprzeciwu .site-header,
.route-narzedzia-diagnoza-sprawy .site-header,
.route-narzedzia-plan-dzialan-30-dni .site-header {
  width: min(92ch, calc(100% - 2rem));
}

.site-header-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
}

body.is-scrolled .site-header {
  box-shadow: var(--shadow-header);
  border-color: var(--color-border-strong);
}

.site-brand {
  margin: 0;
  font-family: var(--font-headings);
  font-size: clamp(2rem, 2.2vw, 2.45rem);
  letter-spacing: 0.2px;
  line-height: 1.2;
}

.site-brand a {
  color: inherit;
  text-decoration: none;
}

.site-header-cta {
  margin: 0;
}

.site-header-cta a {
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  padding: 0.5rem 1rem;
  border: 1px solid #24473c;
  border-radius: 999px;
  background: #24473c;
  color: #ffffff;
  text-decoration: none;
  font-weight: 700;
}

.site-header-cta a:hover {
  background: #1f3c33;
  color: #ffffff;
}

.site-nav-toggle {
  display: none;
  align-items: center;
  gap: var(--space-2);
  min-height: 36px;
  padding: 0.3rem 0.65rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: #ffffff;
  color: var(--color-text);
  font-size: 0.84rem;
  font-weight: 700;
}

.site-nav-toggle-icon {
  position: relative;
  display: block;
  width: 16px;
  height: 2px;
  border-radius: 999px;
  background: #24473c;
}

.site-nav-toggle-icon::before,
.site-nav-toggle-icon::after {
  content: "";
  position: absolute;
  left: 0;
  width: 16px;
  height: 2px;
  border-radius: 999px;
  background: #24473c;
}

.site-nav-toggle-icon::before {
  top: -5px;
}

.site-nav-toggle-icon::after {
  top: 5px;
}

.site-header.is-nav-open .site-nav-toggle-icon {
  background: transparent;
}

.site-header.is-nav-open .site-nav-toggle-icon::before {
  top: 0;
  transform: rotate(45deg);
}

.site-header.is-nav-open .site-nav-toggle-icon::after {
  top: 0;
  transform: rotate(-45deg);
}

.site-header nav {
  display: block;
  margin-top: var(--space-3);
  padding-top: var(--space-2);
  border-top: 1px solid var(--color-border);
}

.site-nav-row {
  display: flex;
  flex-wrap: nowrap;
  align-items: center;
  gap: var(--space-1);
  overflow: visible;
  padding-bottom: 0;
}

.site-nav-row-single {
  justify-content: flex-start;
}

.site-nav-dropdown {
  position: relative;
}

.site-nav-dropdown-summary {
  list-style: none;
  cursor: pointer;
}

.site-nav-dropdown-summary::-webkit-details-marker {
  display: none;
}

.site-header nav a,
.site-nav-dropdown-summary {
  display: inline-flex;
  align-items: center;
  white-space: nowrap;
  min-height: 30px;
  padding: 0.2rem 0.46rem;
  border: 1px solid transparent;
  border-radius: var(--radius-sm);
  background: transparent;
  text-decoration: none;
  font-size: 0.8rem;
  font-weight: 600;
  line-height: 1.2;
  color: var(--color-muted);
  transition: border-color 0.2s ease, background-color 0.2s ease, color 0.2s ease;
}

.site-header nav a:hover,
.site-nav-dropdown-summary:hover,
.site-nav-dropdown[open] > .site-nav-dropdown-summary {
  border-color: var(--color-border);
  background: #f7f2ea;
  color: var(--color-text);
}

.site-nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 0.35rem);
  left: 0;
  z-index: 30;
  min-width: 220px;
  padding: var(--space-2);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: #fffdfb;
  box-shadow: var(--shadow-soft);
  display: grid;
  gap: var(--space-1);
}

.site-nav-dropdown:not([open]) .site-nav-dropdown-menu {
  display: none;
}

.site-nav-dropdown-menu a {
  width: 100%;
  justify-content: flex-start;
}

.site-header nav a.is-active,
.site-header nav a[aria-current="page"] {
  border-color: var(--color-accent);
  background: var(--color-accent-soft);
  color: #1f4035;
  font-weight: 700;
}

.site-nav-dropdown.has-active-link > .site-nav-dropdown-summary {
  border-color: var(--color-accent);
  background: var(--color-accent-soft);
  color: #1f4035;
  font-weight: 700;
}

main {
  margin-top: var(--space-4);
}

.page-shell {
  max-width: var(--reading-max);
  margin-inline: auto;
  padding: clamp(1rem, 2.1vw, 2rem);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-surface);
  box-shadow: var(--shadow-soft);
}

.page-tool .page-shell,
.route-narzedzia .page-shell,
.route-narzedzia-kalkulator-odsetek .page-shell,
.route-narzedzia-timeline-windykacji .page-shell,
.route-narzedzia-kalkulator-raty-ugody .page-shell,
.route-narzedzia-kalkulator-terminu-sprzeciwu .page-shell {
  max-width: 92ch;
}

.page-shell > article {
  margin: 0;
}

h1,
h2,
h3 {
  font-family: var(--font-headings);
  line-height: 1.28;
  color: #1f1c18;
  margin-block: 0;
}

h1 {
  font-size: clamp(1.9rem, 2.8vw, 2.55rem);
  margin-bottom: var(--space-5);
}

h2 {
  font-size: clamp(1.35rem, 2.2vw, 1.75rem);
  margin-top: var(--space-8);
  margin-bottom: var(--space-4);
}

h3 {
  font-size: clamp(1.1rem, 1.7vw, 1.3rem);
  margin-top: var(--space-6);
  margin-bottom: var(--space-3);
}

p {
  margin-top: 0;
  margin-bottom: var(--space-4);
  color: var(--color-text);
}

ul,
ol {
  margin-top: 0;
  margin-bottom: var(--space-5);
  padding-left: 1.4rem;
}

li {
  margin-bottom: var(--space-2);
}

.breadcrumbs {
  margin-bottom: var(--space-6);
  font-size: 0.9rem;
  color: var(--color-muted);
}

.breadcrumbs a {
  color: var(--color-link);
}

.page-shell > section,
article > section {
  border: 1px solid #ddd6cd;
  border-radius: var(--radius-md);
  padding: var(--space-5);
  background: #fffefa;
  margin-top: var(--space-7, 1.75rem);
}

.page-shell > section h2:first-child,
article > section h2:first-child {
  margin-top: 0;
}

section[data-policy-links="true"] {
  background: #f7f3ec;
}

section[data-policy-links="true"] ul {
  margin-bottom: 0;
}

.step-card {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #fffefa;
  padding: var(--space-5);
}

.step-card.is-complete {
  border-color: #7ba68f;
  background: #f2f8f4;
}

.progress-rail {
  margin-bottom: var(--space-5);
  padding: var(--space-3) var(--space-4);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: #f8f5ef;
  font-weight: 600;
}

.learning-progress {
  margin-bottom: var(--space-6);
}

.checkpoint-control {
  margin-top: 0;
  margin-bottom: var(--space-4);
}

.checkpoint-control label {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-weight: 600;
}

.checkpoint-control input[type=\"checkbox\"] {
  width: 18px;
  height: 18px;
  min-height: 18px;
  margin: 0;
}

.risk-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.2rem 0.6rem;
  border-radius: 999px;
  border: 1px solid var(--color-border);
  font-weight: 700;
  font-size: 0.9rem;
}

.risk-niski {
  background: #e9f4ed;
  border-color: #8eba9a;
  color: #1f4c30;
}

.risk-sredni {
  background: #fff5e6;
  border-color: #d1b073;
  color: #7a5a1d;
}

.risk-wysoki {
  background: #fcebea;
  border-color: #d09a94;
  color: #7a2721;
}

.glossary-card h2 {
  margin-top: 0;
}

[data-act-browser="true"] ul {
  list-style: none;
  padding-left: 0;
  margin-top: var(--space-4);
  margin-bottom: 0;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #ffffff;
  max-height: 55vh;
  overflow: auto;
}

[data-act-browser="true"] li {
  margin: 0;
  padding: var(--space-4);
  border-bottom: 1px solid var(--color-border);
}

[data-act-browser="true"] li:last-child {
  border-bottom: none;
}

[data-act-browser="true"] li p {
  margin: var(--space-2) 0 0;
  color: var(--color-muted);
  font-size: 0.94rem;
}

[data-act-browser="true"] label {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--space-2);
}

[data-act-browser="true"] input {
  width: min(380px, 100%);
}

[data-act-browser="true"] button {
  min-width: 110px;
}

.act-browser-empty {
  margin-top: var(--space-4);
  padding: var(--space-3) var(--space-4);
  border: 1px dashed var(--color-border);
  border-radius: var(--radius-sm);
  color: var(--color-muted);
}

section[data-faq-block="true"] {
  background: #f7f9fb;
}

.faq-item + .faq-item {
  margin-top: var(--space-3);
}

.faq-question {
  margin: 0;
}

.faq-toggle {
  width: 100%;
  text-align: left;
  padding: var(--space-3) var(--space-4);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: #ffffff;
  color: var(--color-text);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
}

.faq-toggle[aria-expanded="true"] {
  border-color: var(--color-border-strong);
  background: #fbf8f3;
}

.faq-answer {
  padding: var(--space-3) var(--space-4) var(--space-1);
  border-left: 2px solid var(--color-border);
  margin-left: var(--space-2);
}

form {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #ffffff;
  padding: var(--space-5);
  margin-block: var(--space-6);
}

form p {
  margin-bottom: var(--space-4);
}

label {
  display: grid;
  gap: var(--space-2);
  font-weight: 600;
  color: #2f2a25;
}

input,
select,
button,
textarea {
  font: inherit;
}

input,
select,
textarea {
  width: min(440px, 100%);
  min-height: 42px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: #ffffff;
  color: var(--color-text);
  padding: 0.5rem 0.7rem;
}

button {
  min-height: 42px;
  border: 1px solid #24473c;
  border-radius: var(--radius-sm);
  background: #24473c;
  color: #ffffff;
  padding: 0.5rem 0.95rem;
  cursor: pointer;
}

button:hover {
  background: #1f3c33;
}

section[aria-live] {
  min-height: 80px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #ffffff;
  padding: var(--space-4);
  margin-top: var(--space-4);
}

section[aria-live].result-success {
  border-color: var(--color-success-border);
  background: var(--color-success-bg);
}

section[aria-live].result-error {
  border-color: var(--color-error-border);
  background: var(--color-error-bg);
}

[data-toc],
[data-structured-summary] {
  margin-top: var(--space-4);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #ffffff;
  padding: var(--space-4);
}

[data-toc] h2,
[data-structured-summary] h2 {
  margin-top: 0;
}

[data-toc] ol {
  margin-bottom: 0;
}

[data-structured-summary] blockquote {
  margin: var(--space-4) 0;
  border-left: 4px solid #9e937f;
  background: #f7f3ed;
  padding: 0.6rem 0.8rem;
}

[data-structured-summary] blockquote p {
  margin: 0;
}

code {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: #f7f3ed;
  padding: 0.06rem 0.28rem;
}

table {
  width: 100%;
  border-collapse: collapse;
  margin-top: var(--space-4);
  font-size: 0.95rem;
}

th,
td {
  border: 1px solid var(--color-border);
  padding: 0.45rem 0.55rem;
  text-align: left;
}

th {
  background: #f3f1ec;
}

pre {
  margin: 0;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #faf8f4;
  padding: var(--space-4);
  max-height: 72vh;
  overflow: auto;
  white-space: pre-wrap;
  word-break: break-word;
  font-size: 0.9rem;
  line-height: 1.5;
}

.act-article-navigation .act-article-nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
}

.act-article-navigation .act-article-nav-links a {
  display: inline-flex;
  align-items: center;
  min-height: 40px;
  padding: 0.42rem 0.7rem;
  border: 1px solid var(--color-border);
  border-radius: 999px;
  background: #ffffff;
  text-decoration: none;
}

.act-article-navigation .act-article-nav-links span {
  display: inline-flex;
  min-height: 40px;
  min-width: 40px;
}

[data-updated-at] {
  margin-top: var(--space-8);
  padding-top: var(--space-4);
  border-top: 1px dashed var(--color-border);
  color: var(--color-muted);
  font-size: 0.95rem;
}

.site-footer {
  margin-top: var(--space-4);
  margin-bottom: var(--space-6);
  padding: var(--space-5) var(--space-6);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-surface);
  color: var(--color-muted);
}

.site-footer p {
  margin: 0;
}

.site-footer p + p {
  margin-top: var(--space-3);
}

.back-to-top {
  position: fixed;
  right: var(--space-5);
  bottom: var(--space-5);
  z-index: 80;
  opacity: 0;
  transform: translateY(8px);
  pointer-events: none;
  min-height: 42px;
  border: 1px solid #24473c;
  border-radius: 999px;
  background: #24473c;
  color: #ffffff;
  padding: 0.45rem 0.8rem;
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.back-to-top.is-visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.next-step-panel {
  position: fixed;
  left: var(--space-5);
  bottom: var(--space-5);
  z-index: 70;
  width: min(330px, calc(100% - 2rem));
  border: 1px solid var(--color-border-strong);
  border-radius: var(--radius-md);
  background: #fffefb;
  box-shadow: var(--shadow-header);
  padding: var(--space-4);
  max-height: 60vh;
  overflow: auto;
  opacity: 0;
  transform: translateY(10px);
  pointer-events: none;
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.next-step-panel h2 {
  margin-top: 0;
  margin-bottom: var(--space-2);
  padding-right: 1.5rem;
  font-size: 1.2rem;
}

.next-step-panel p {
  margin-bottom: var(--space-3);
  font-size: 0.95rem;
}

.next-step-panel ul {
  margin-bottom: 0;
}

.next-step-panel.is-visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.next-step-close {
  position: absolute;
  top: 8px;
  right: 8px;
  width: 28px;
  min-height: 28px;
  border: 1px solid var(--color-border);
  border-radius: 999px;
  background: #ffffff;
  color: var(--color-muted);
  padding: 0;
  font-size: 1rem;
  line-height: 1;
}

.next-step-close:hover {
  background: #f3eee7;
  color: var(--color-text);
}

@media (max-width: 940px) {
  body {
    font-size: 17px;
  }

  .site-header,
  main,
  .site-footer {
    width: calc(100% - 1.25rem);
  }

  .site-header,
  .site-footer {
    padding: var(--space-4);
  }

  .site-brand {
    font-size: clamp(1.5rem, 4.6vw, 1.95rem);
  }

  .site-header-top {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }

  .page-shell {
    max-width: 100%;
    padding: var(--space-4);
  }
}

@media (max-width: 700px) {
  body {
    font-size: 16px;
  }

  .site-header {
    padding: var(--space-3);
  }

  .site-nav-toggle {
    display: inline-flex;
    margin-top: var(--space-2);
  }

  .site-brand {
    font-size: clamp(1.34rem, 6vw, 1.62rem);
  }

  .site-header-cta a {
    min-height: 34px;
    padding: 0.28rem 0.62rem;
    font-size: 0.82rem;
  }

  .site-header nav {
    display: none;
    margin-top: var(--space-2);
    padding-top: var(--space-3);
    border-top: 1px solid var(--color-border);
  }

  .site-header.is-nav-open nav {
    display: grid;
  }

  .site-header nav .site-nav-row {
    flex-direction: column;
    align-items: stretch;
    gap: var(--space-1);
  }

  .site-header nav a,
  .site-header nav .site-nav-dropdown-summary {
    width: 100%;
    min-height: 34px;
    padding: 0.28rem 0.54rem;
    font-size: 0.82rem;
  }

  .site-header nav .site-nav-dropdown {
    width: 100%;
  }

  .site-header nav .site-nav-dropdown-menu {
    position: static;
    min-width: 0;
    margin-top: var(--space-1);
    padding: var(--space-1);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-sm);
    box-shadow: none;
    background: #ffffff;
  }

  .back-to-top {
    right: var(--space-3);
    bottom: var(--space-3);
    min-height: 34px;
    padding: 0.3rem 0.62rem;
    font-size: 0.8rem;
  }

  .next-step-panel {
    left: var(--space-3);
    bottom: calc(var(--space-3) + 44px);
    width: min(250px, calc(100% - 1rem));
    padding: var(--space-3);
  }

  .next-step-panel h2 {
    font-size: 1.03rem;
    margin-bottom: var(--space-1);
  }

  .next-step-close {
    top: 6px;
    right: 6px;
    width: 24px;
    min-height: 24px;
    font-size: 0.92rem;
  }

  .next-step-panel p,
  .next-step-panel li {
    font-size: 0.83rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}