/*
 * Autor: Lukasz Turczyn DFS
 * Data: 2026-07-05
 * Opis: Wspolny arkusz stylow podstron-poradnikow creditembassy.pl (guide pages).
 *       Tokeny zgodne z one-pagerem; stopka mf-* doklejona na koncu pliku.
 */
:root {
    --primary: #1B2A4A;
    --primary-light: #2C4070;
    --accent: #D4A853;
    --accent-hover: #E0B965;
    --teal: #2E86AB;
    --dark-bg: #0D1B2A;
    --light-bg: #F8F9FA;
    --text-dark: #1a1a2e;
    --text-muted: #6c757d;
    --white: #ffffff;
    --shadow-sm: 0 2px 8px rgba(0,0,0,.08);
    --shadow-md: 0 4px 20px rgba(0,0,0,.12);
    --radius: 12px;
    --radius-lg: 20px;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
    font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--text-dark);
    line-height: 1.7;
    background: var(--white);
}
.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }

/* ---- NAV ---- */
.gnav {
    position: sticky; top: 0; z-index: 100;
    background: rgba(255,255,255,.96);
    backdrop-filter: blur(8px);
    border-bottom: 1px solid rgba(27,42,74,.08);
}
.gnav-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 14px 24px; max-width: 1100px; margin: 0 auto; flex-wrap: wrap; }
.gnav-brand { font-size: 1.25rem; font-weight: 800; color: var(--primary); text-decoration: none; white-space: nowrap; }
.gnav-brand span { color: var(--accent); }
.gnav-links { display: flex; gap: 20px; align-items: center; flex-wrap: wrap; list-style: none; }
.gnav-links a { color: var(--text-dark); text-decoration: none; font-weight: 600; font-size: .92rem; }
.gnav-links a:hover { color: var(--teal); }
.gnav-cta {
    background: var(--accent); color: var(--primary) !important;
    padding: 9px 18px; border-radius: 50px; font-weight: 700 !important;
    transition: background .2s;
    white-space: nowrap;
}
.gnav-cta:hover { background: var(--accent-hover); }

/* ---- HERO / HEADER ---- */
.ghero {
    background: linear-gradient(135deg, var(--dark-bg) 0%, var(--primary) 100%);
    color: var(--white);
    padding: 56px 0 48px;
}
.gbreadcrumbs { font-size: .85rem; margin-bottom: 18px; color: rgba(255,255,255,.72); }
.gbreadcrumbs a { color: var(--accent); text-decoration: none; }
.gbreadcrumbs a:hover { text-decoration: underline; }
.ghero h1 { font-size: clamp(1.7rem, 4vw, 2.6rem); line-height: 1.25; font-weight: 800; max-width: 860px; }
.ghero .gsub { margin-top: 14px; font-size: 1.05rem; color: rgba(255,255,255,.85); max-width: 760px; }
.gmeta { margin-top: 18px; font-size: .85rem; color: rgba(255,255,255,.6); }
.gmeta a { color: var(--accent); text-decoration: none; }

/* ---- ANSWER BOX ---- */
.answer-box {
    background: #FFF8EC;
    border-left: 4px solid var(--accent);
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 22px 26px;
    margin: 36px 0;
    font-size: 1.06rem;
}
.answer-box strong { color: var(--primary); }

/* ---- ARTICLE TYPOGRAPHY ---- */
.garticle { padding: 8px 0 40px; }
.garticle h2 { font-size: 1.55rem; color: var(--primary); margin: 44px 0 16px; line-height: 1.3; }
.garticle h3 { font-size: 1.18rem; color: var(--primary); margin: 30px 0 12px; }
.garticle p { margin: 0 0 16px; }
.garticle ul, .garticle ol { margin: 0 0 18px 24px; }
.garticle li { margin-bottom: 8px; }
.garticle a { color: var(--teal); }
.garticle a:hover { color: var(--primary); }

/* ---- TABLES ---- */
.gtable-wrap { overflow-x: auto; margin: 22px 0 28px; border-radius: var(--radius); box-shadow: var(--shadow-sm); }
table.gtable { width: 100%; border-collapse: collapse; font-size: .93rem; background: var(--white); min-width: 560px; }
.gtable th {
    background: var(--primary); color: var(--white);
    text-align: left; padding: 12px 16px; font-weight: 700; white-space: nowrap;
}
.gtable td { padding: 11px 16px; border-bottom: 1px solid #eef0f3; vertical-align: top; }
.gtable tr:nth-child(even) td { background: var(--light-bg); }
.gtable tr:last-child td { border-bottom: none; }

/* ---- CALLOUTS ---- */
.gnote {
    background: var(--light-bg);
    border-radius: var(--radius);
    padding: 18px 22px;
    margin: 22px 0;
    font-size: .95rem;
    color: var(--text-muted);
}
.gnote strong { color: var(--text-dark); }

/* ---- FAQ (native details) ---- */
.gfaq { margin: 26px 0 10px; }
.gfaq details {
    border: 1px solid #e7e9ee; border-radius: var(--radius);
    margin-bottom: 12px; background: var(--white);
    box-shadow: var(--shadow-sm);
}
.gfaq summary {
    cursor: pointer; font-weight: 700; color: var(--primary);
    padding: 16px 20px; list-style: none; position: relative; padding-right: 44px;
}
.gfaq summary::-webkit-details-marker { display: none; }
.gfaq summary::after {
    content: '+'; position: absolute; right: 18px; top: 50%; transform: translateY(-50%);
    font-size: 1.3rem; color: var(--accent); font-weight: 800;
}
.gfaq details[open] summary::after { content: '\2212'; }
.gfaq .gfaq-a { padding: 0 20px 18px; color: var(--text-dark); }

/* ---- GUIDE CARDS (related guides) ---- */
.gcards { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 18px; margin: 24px 0 10px; padding: 0; list-style: none; }
.gcards a {
    display: block; background: var(--white); border: 1px solid #e7e9ee;
    border-radius: var(--radius); padding: 18px 20px; text-decoration: none;
    color: var(--primary); font-weight: 700; font-size: .95rem;
    box-shadow: var(--shadow-sm); transition: transform .2s, box-shadow .2s;
}
.gcards a:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--accent); }
.gcards a small { display: block; margin-top: 6px; color: var(--text-muted); font-weight: 400; font-size: .84rem; }

/* ---- CTA ---- */
.gcta {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: var(--white); border-radius: var(--radius-lg);
    padding: 40px 34px; margin: 48px 0; text-align: center;
}
.gcta h2 { color: var(--white); font-size: 1.5rem; margin-bottom: 10px; }
.gcta p { color: rgba(255,255,255,.85); max-width: 640px; margin: 0 auto 22px; }
.gcta-buttons { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.gcta-btn {
    display: inline-block; padding: 13px 28px; border-radius: 50px;
    font-weight: 700; text-decoration: none; font-size: 1rem;
}
.gcta-btn.primary { background: var(--accent); color: var(--primary); }
.gcta-btn.primary:hover { background: var(--accent-hover); }
.gcta-btn.ghost { border: 2px solid rgba(255,255,255,.6); color: var(--white); }
.gcta-btn.ghost:hover { border-color: var(--accent); color: var(--accent); }

/* ---- CALCULATOR (mortgage-calculator page) ---- */
.gcalc { background: var(--light-bg); border-radius: var(--radius-lg); padding: 30px 28px; margin: 30px 0; box-shadow: var(--shadow-sm); }
.gcalc .gcalc-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 18px; margin-bottom: 22px; }
.gcalc label { display: block; font-weight: 700; font-size: .88rem; color: var(--primary); margin-bottom: 6px; }
.gcalc input, .gcalc select {
    width: 100%; padding: 11px 14px; border: 1px solid #d8dce3; border-radius: 8px;
    font-size: 1rem; font-family: inherit; background: var(--white);
}
.gcalc input:focus, .gcalc select:focus { outline: 2px solid var(--accent); border-color: var(--accent); }
.gcalc-result {
    background: var(--primary); color: var(--white); border-radius: var(--radius);
    padding: 22px 26px; display: flex; flex-wrap: wrap; gap: 26px; justify-content: space-around; text-align: center;
}
.gcalc-result .val { font-size: 1.6rem; font-weight: 800; color: var(--accent); display: block; }
.gcalc-result .lbl { font-size: .82rem; color: rgba(255,255,255,.75); }

@media (max-width: 640px) {
    .gnav-links { gap: 12px; font-size: .85rem; }
    .ghero { padding: 40px 0 34px; }
    .gcta { padding: 30px 20px; }
}
.mf-footer{background:linear-gradient(180deg,#1a1f25 0%,#0f1318 100%);color:#a0aec0;padding:60px 0 30px;position:relative;font-size:16px;line-height:1.6;text-align:left}
.mf-footer::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,#004A99 0%,#F37021 50%,#004A99 100%)}
.mf-footer *{box-sizing:border-box}
.mf-footer p,.mf-footer ul,.mf-footer h4{margin:0;padding:0}
.mf-footer .mf-container{max-width:1140px;margin:0 auto;padding:0 20px;width:100%}
.mf-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:50px;margin-bottom:40px;align-items:start}
.mf-author{display:flex;align-items:center;gap:16px;margin-bottom:20px}
.mf-photo{width:72px;height:72px;border-radius:50%;object-fit:cover;border:3px solid #f37021;box-shadow:0 4px 12px rgba(0,0,0,.3);flex-shrink:0}
.mf-author-info{display:flex;flex-direction:column}
.mf-footer .mf-logo{font-size:26px;font-weight:700;line-height:1.25;margin-bottom:4px;background:linear-gradient(135deg,#fff,#a0aec0);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.mf-tagline{font-size:15px;color:#f37021;font-weight:500;line-height:1.4}
.mf-contact{display:flex;flex-direction:column;gap:8px}
.mf-contact a{color:#a0aec0;text-decoration:none;font-size:14px;line-height:1.5;display:flex;align-items:center;gap:8px;transition:color .2s ease}
.mf-contact a:hover{color:#fff}
.mf-col h4{font-family:inherit;color:#fff;font-size:16px;font-weight:600;line-height:1.4;margin-bottom:20px}
.mf-col ul{list-style:none}
.mf-col li{margin:0 0 12px;padding:0;line-height:1.5}
.mf-col ul a{color:#a0aec0;text-decoration:none;font-size:14px;font-weight:400;transition:color .2s ease}
.mf-col ul a:hover{color:#fff}
.mf-social-icons{display:flex;gap:12px}
.mf-social-icons a{display:flex;align-items:center;justify-content:center;width:40px;height:40px;background:rgba(255,255,255,.1);border-radius:10px;color:#a0aec0;transition:all .25s ease}
.mf-social-icons a:hover{background:#f37021;color:#fff;transform:translateY(-3px);box-shadow:0 4px 12px rgba(243,112,33,.4)}
.mf-review-card{margin-top:20px;padding:16px;background:linear-gradient(135deg,rgba(255,255,255,.1) 0%,rgba(255,255,255,.05) 100%);border:1px solid rgba(255,255,255,.1);border-radius:12px;display:flex;flex-direction:column;gap:12px;max-width:230px}
.mf-review-header{display:flex;align-items:center;gap:12px}
.mf-google-logo{flex-shrink:0}
.mf-review-rating{display:flex;align-items:center;gap:8px}
.mf-stars{color:#FBBC05;font-size:14px;letter-spacing:2px;line-height:1}
.mf-rating-text{font-size:16px;font-weight:700;color:#fff}
.mf-review-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:10px 14px;background:#4285F4;color:#fff !important;border-radius:8px;font-size:13px;font-weight:600;line-height:1.2;white-space:nowrap;text-decoration:none;transition:all .25s ease}
.mf-review-btn:hover{background:#3367D6;transform:translateY(-2px);box-shadow:0 4px 12px rgba(66,133,244,.4);color:#fff !important}
.mf-bottom{padding-top:30px;border-top:1px solid rgba(255,255,255,.08);text-align:center}
.mf-bottom p{font-size:13px;line-height:1.6;margin-bottom:8px}
.mf-footer .mf-disclaimer{font-size:12px !important;color:#718096;max-width:960px;margin:0 auto}
@media(max-width:992px){.mf-grid{grid-template-columns:1fr 1fr;gap:30px}}
@media(max-width:640px){.mf-grid{grid-template-columns:1fr;gap:25px;text-align:center}.mf-author{flex-direction:column;text-align:center}.mf-contact{align-items:center}.mf-social-icons{justify-content:center}.mf-review-card{margin-left:auto;margin-right:auto}.mf-review-btn{width:100%}}