/* Mapa Rynku v4: wspólny arkusz (strona główna + poradniki). Paleta: styl-mapa-v1.md */
:root{--navy:#0B1F3A;--navy2:#071428;--navy3:#122A4D;--gold:#C9A227;--gold2:#e2c25a;--green:#2EA862;--ivory:#F4EEDC;--paper:#FBF8F0;--red:#D6604A;--blue:#4A8FE0;
--ink:#17233a;--mute:#5b6577;--line:#e6dfcb;--h:"Montserrat",system-ui,sans-serif;--b:"Inter",system-ui,sans-serif;--r:18px;--sh:0 10px 30px rgba(11,31,58,.10)}
*{box-sizing:border-box}[hidden]{display:none!important}html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.6 var(--b);-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit}img{max-width:100%;display:block}
h1,h2,h3{font-family:var(--h);line-height:1.12;margin:0 0 .5em;letter-spacing:-.01em}
h2{font-size:clamp(28px,3.4vw,44px);font-weight:900}h3{font-size:20px;font-weight:800}
em{font-style:normal;color:var(--gold)}
.wrap{max-width:1240px;margin:0 auto;padding:0 28px}
.eyebrow{font:700 12px/1.2 var(--b);letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin:0 0 12px}
.fine{font-size:13px;color:var(--mute);line-height:1.5}
.btn{display:inline-flex;align-items:center;gap:8px;border:0;border-radius:999px;padding:13px 22px;font:700 15px var(--b);cursor:pointer;text-decoration:none;transition:transform .2s,box-shadow .2s,background .2s}
.btn:hover{transform:translateY(-2px)}.btn.gold{background:var(--gold);color:var(--navy2);box-shadow:0 6px 18px rgba(201,162,39,.35)}
.btn.ghost{background:transparent;color:var(--ivory);border:1.5px solid rgba(244,238,220,.35)}.btn.ghost:hover{border-color:var(--gold)}
.btn.line{background:#fff;color:var(--navy);border:1.5px solid var(--line)}.btn.sm{padding:9px 16px;font-size:13px}
.src{font-size:12.5px;color:var(--mute);margin-top:10px}.src a{color:var(--navy3);text-decoration-color:rgba(18,42,77,.3)}
.tag{display:inline-block;font:800 10.5px var(--b);letter-spacing:.12em;padding:3px 8px;border-radius:6px;background:var(--gold);color:var(--navy2);margin-right:8px;vertical-align:2px}
.tag.risk{background:var(--red);color:#fff}
/* poziomy */
body[data-lvl="1"] .lvl-2,body[data-lvl="1"] .lvl-3,body[data-lvl="2"] .lvl-3{display:none!important}
/* nagłówek */
.top{position:sticky;top:0;z-index:50;display:flex;align-items:center;gap:22px;padding:12px 28px;background:rgba(7,20,40,.92);backdrop-filter:blur(10px);color:var(--ivory);border-bottom:1px solid rgba(201,162,39,.18)}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}.brand img{width:38px;height:38px;border-radius:10px}
.brand b{display:block;font:900 16px var(--h);letter-spacing:.06em}.brand small{display:block;font-size:11.5px;color:#a9b3c4}
.links{display:flex;gap:4px;margin-left:auto}.links a{padding:8px 12px;border-radius:10px;text-decoration:none;font-weight:600;font-size:14.5px;color:#d9deea}.links a:hover{background:rgba(255,255,255,.07);color:#fff}
.lvl{display:flex;background:rgba(255,255,255,.07);border-radius:999px;padding:4px;border:1px solid rgba(255,255,255,.1)}
.lvl button{border:0;background:none;color:#c8cfdc;font:600 13px var(--b);padding:7px 12px;border-radius:999px;cursor:pointer}
.lvl button[aria-checked="true"]{background:var(--gold);color:var(--navy2)}
/* HERO */
.hero{position:relative;background:radial-gradient(1200px 600px at 80% -10%,#17365f 0,transparent 60%),linear-gradient(180deg,var(--navy2),var(--navy));color:var(--ivory);padding:44px 0 56px;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(244,238,220,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(244,238,220,.04) 1px,transparent 1px);background-size:44px 44px;mask:linear-gradient(180deg,#000,transparent 95%)}
.hero .wrap{position:relative}
.hero-head{display:grid;grid-template-columns:1.25fr 1fr;gap:40px;align-items:end;margin-bottom:26px}
.hero h1{font-size:clamp(36px,5vw,68px);font-weight:900;margin:0}
.hero h1 span{display:block}.hero h1 em{color:var(--gold)}
.hero .intro{font-size:18.5px;color:#cfd6e3;margin:0 0 18px}.hero .intro b{color:#fff}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.road{display:grid;grid-template-columns:1.85fr 1fr;gap:22px;align-items:stretch}
.map-card{position:relative;background:linear-gradient(160deg,#10284a,#0a1c36);border:1px solid rgba(201,162,39,.25);border-radius:24px;overflow:hidden;box-shadow:0 30px 80px rgba(0,0,0,.35)}
.map-card{display:flex;align-items:center}.map-card svg{display:block;width:100%;height:auto;max-height:100%}
.map-legend{position:absolute;left:18px;top:14px;display:flex;gap:14px;align-items:center;font-size:12.5px;color:#b8c2d3}
.prog{display:flex;align-items:center;gap:8px;font-weight:700;color:var(--ivory)}.prog i{width:9px;height:9px;border-radius:50%;background:rgba(244,238,220,.2);display:inline-block}.prog i.on{background:var(--gold)}
.st{cursor:pointer}.st .ring{pointer-events:none;fill:none;stroke:var(--gold);stroke-width:2;opacity:0;transform-box:fill-box;transform-origin:center;animation:pulse 2.6s infinite}
.st:nth-child(2n) .ring{animation-delay:1.3s}
@keyframes pulse{0%{opacity:.8;transform:scale(.7)}100%{opacity:0;transform:scale(2.1)}}
.st .dot{fill:var(--navy2);stroke:var(--gold);stroke-width:3;transition:fill .3s,r .3s}
.st text.n{fill:var(--gold);font:800 18px var(--h);text-anchor:middle;dominant-baseline:central;pointer-events:none}
.st text.l,.st text.s{paint-order:stroke;stroke:#0b1f3a;stroke-width:6px;stroke-linejoin:round;pointer-events:none}.st text.l{fill:var(--ivory);font:700 19px var(--b)}.st text.s{fill:#a9b8cf;font:500 14.5px var(--b)}
.st:focus{outline:none}.st:focus-visible .dot{stroke:#fff;stroke-width:5}
.st.on text.l{fill:var(--gold)}
.st.vis .dot{fill:#1d4a2f;stroke:var(--green)}.st.vis text.n{fill:#bff0d2}
.st.on .dot{fill:var(--gold);stroke:#fff}.st.on text.n{fill:var(--navy2)}.st:hover .dot{stroke:#fff}
.st.prof .dot{stroke:var(--blue);stroke-width:4}
.route-base{fill:none;stroke:rgba(244,238,220,.14);stroke-width:14;stroke-linecap:round}
.route-dash{fill:none;stroke:var(--gold);stroke-width:3;stroke-dasharray:2 12;stroke-linecap:round;animation:march 1.2s linear infinite}
@keyframes march{to{stroke-dashoffset:-28}}
.route-done{fill:none;stroke:var(--green);stroke-width:4;stroke-linecap:round;transition:stroke-dashoffset 1.2s ease}
.terrain path{fill:none;stroke:rgba(74,143,224,.16);stroke-width:1.2}.terrain text{fill:rgba(244,238,220,.28);font:700 11px var(--b);letter-spacing:.2em}
.panel{background:var(--ivory);color:var(--ink);border-radius:24px;padding:26px 26px 22px;display:flex;flex-direction:column;box-shadow:0 30px 80px rgba(0,0,0,.3);position:relative;overflow:hidden}
.panel:before{content:"";position:absolute;left:0;top:0;right:0;height:5px;background:linear-gradient(90deg,var(--gold),var(--green))}
.panel .num{font:900 13px var(--h);letter-spacing:.14em;color:var(--gold)}
.panel h3{font-size:26px;font-weight:900;margin:6px 0 2px;color:var(--navy)}.panel .sub{color:var(--mute);margin:0 0 12px;font-weight:600}
.panel .txt{margin:0 0 14px;font-size:16.5px}
.err{background:#fff;border-left:4px solid var(--red);border-radius:10px;padding:10px 14px;font-size:15px;margin-bottom:14px}.err b{color:var(--red);display:block;font-size:12px;letter-spacing:.12em;text-transform:uppercase}
.panel .acts{display:flex;gap:10px;flex-wrap:wrap;margin-top:auto}
.panel .acts a{flex:1 1 auto;justify-content:center}
.panel.swap{animation:swap .45s ease}@keyframes swap{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.panel .hint{display:flex;justify-content:space-between;align-items:center;margin-top:14px;font-size:13px;color:var(--mute)}
.panel .hint button{border:0;background:var(--navy);color:var(--ivory);border-radius:999px;padding:7px 14px;font:700 13px var(--b);cursor:pointer}
.welcome ul{padding-left:18px;margin:6px 0 14px}.welcome li{margin:4px 0}
/* sekcje */
section.blk{padding:84px 0}section.alt{background:var(--ivory)}section.dark{background:var(--navy);color:var(--ivory)}
.sh{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:32px;flex-wrap:wrap}.sh p{max-width:560px;color:var(--mute);margin:0}.dark .sh p{color:#c3cbda}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh)}.step b{font:900 34px var(--h);color:var(--gold)}.step h3{margin:6px 0}
.step p{margin:0;color:var(--mute);font-size:15.5px}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s,transform .7s}.reveal.vis{opacity:1;transform:none}
/* test */
.test{display:grid;grid-template-columns:1fr 1.2fr;gap:22px 30px;align-items:start}.test-head{grid-column:1;grid-row:1}.test-head p:last-child{margin-bottom:0}.qcard#quiz{grid-column:2;grid-row:1/span 2}.test-prof{grid-column:1;grid-row:2}.prof-lbl{margin:0 0 8px}
.qcard{background:#fff;border-radius:24px;padding:28px;box-shadow:var(--sh);border:1px solid var(--line);min-height:380px}
.qbar{height:6px;background:#efe8d4;border-radius:9px;overflow:hidden;margin-bottom:18px}.qbar i{display:block;height:100%;background:var(--gold);transition:width .4s}
.qcard h3{font-size:24px;color:var(--navy)}
.opts{display:grid;gap:10px;margin-top:16px}.opts button{text-align:left;border:1.5px solid var(--line);background:var(--paper);border-radius:14px;padding:14px 16px;font:600 16px var(--b);cursor:pointer;color:var(--ink);transition:.2s}
.opts button:hover{border-color:var(--gold);background:#fff;transform:translateX(4px)}
.qnav{display:flex;justify-content:space-between;margin-top:16px;font-size:14px;color:var(--mute)}.qnav{gap:12px}.qnav button{white-space:nowrap;border:0;background:none;color:var(--navy3);font-weight:700;cursor:pointer}
.result{animation:swap .5s}.result .ico{font-size:54px;line-height:1}.result h3{font-size:30px;margin:8px 0}
.result .path{display:flex;gap:8px;flex-wrap:wrap;margin:14px 0}.result .path span{background:var(--navy);color:var(--ivory);border-radius:999px;padding:6px 12px;font-size:13.5px;font-weight:600}
.result .tip{background:var(--ivory);border-radius:12px;padding:12px 14px;font-size:15px}
.bars4{display:grid;gap:8px;margin:14px 0}.bars4 div{display:grid;grid-template-columns:110px 1fr 40px;align-items:center;gap:10px;font-size:13.5px}
.bars4 span.t{height:10px;background:#efe8d4;border-radius:9px;overflow:hidden}.bars4 span.t i{display:block;height:100%;background:var(--gold);border-radius:9px;transition:width .8s}
.prof-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.prof-grid div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px}.prof-grid b{display:block;font:800 16px var(--h);color:var(--navy)}.prof-grid p{margin:4px 0 0;font-size:14px;color:var(--mute)}
/* narzędzia */
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}
.tabs button{border:1.5px solid rgba(244,238,220,.2);background:rgba(255,255,255,.04);color:var(--ivory);border-radius:999px;padding:10px 18px;font:700 14.5px var(--b);cursor:pointer;transition:.2s}
.tabs button:hover{border-color:var(--gold)}.tabs button.on{background:var(--gold);color:var(--navy2);border-color:var(--gold)}
.tool{display:none;background:var(--paper);color:var(--ink);border-radius:26px;padding:30px;box-shadow:0 30px 80px rgba(0,0,0,.3)}.tool.on{display:block;animation:swap .4s}
.tool-h{display:flex;justify-content:space-between;gap:20px;align-items:start;margin-bottom:18px;flex-wrap:wrap}.tool-h h3{font-size:28px;font-weight:900;color:var(--navy);margin:0}.tool-h p{margin:4px 0 0;color:var(--mute);max-width:620px}
.chips{display:flex;gap:8px;flex-wrap:wrap}.chips button{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:8px 14px;font:600 13.5px var(--b);cursor:pointer;color:var(--ink)}
.chips button.on{background:var(--navy);color:var(--ivory);border-color:var(--navy)}
.tgrid{display:grid;grid-template-columns:1.55fr 1fr;gap:26px}
.wf{display:grid;gap:7px}.wf .row{display:grid;grid-template-columns:190px 1fr 96px;gap:12px;align-items:center;cursor:pointer;padding:3px 6px;border-radius:10px;transition:background .2s}
.wf .row:hover,.wf .row.sel{background:#fff}.wf .row .nm{font-size:14.5px;font-weight:600}.wf .row.tot .nm{font-weight:800;color:var(--navy)}
.wf .row .tr{position:relative;height:26px;background:repeating-linear-gradient(90deg,transparent 0 calc(10% - 1px),#ece5d0 calc(10% - 1px) 10%)}
.wf .row .bar{position:absolute;top:0;height:100%;border-radius:6px;transition:left .8s cubic-bezier(.2,.8,.2,1),width .8s cubic-bezier(.2,.8,.2,1)}
.wf .row .v{text-align:right;font:700 14.5px var(--b);font-variant-numeric:tabular-nums}
.wf .sep{font:700 12px var(--b);letter-spacing:.14em;text-transform:uppercase;color:var(--mute);margin:12px 0 2px 6px}
.bar.rev{background:var(--navy3)}.bar.cost{background:#c9c2ad}.bar.op{background:var(--blue)}.bar.ni{background:var(--green)}.bar.oth{background:#b9a979}.bar.ocf{background:var(--green)}.bar.cap{background:var(--gold)}.bar.fcfp{background:#1b7a46}.bar.fcfn{background:var(--red)}
.zero{position:absolute;top:-4px;bottom:-4px;width:2px;background:var(--navy)}
.side{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px}
.side h4{font:800 18px var(--h);margin:0 0 6px;color:var(--navy)}
.kpis{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:14px 0}.kpi{background:var(--paper);border-radius:12px;padding:10px 12px}.kpi small{display:block;font-size:12px;color:var(--mute)}.kpi b{font:800 20px var(--h);color:var(--navy)}
.kpi b.neg{color:var(--red)}.kpi b.pos{color:#1b7a46}
.own{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-top:14px}.own label{font-size:12px;color:var(--mute)}.own input{width:100%;border:1.5px solid var(--line);border-radius:8px;padding:6px 8px;font:600 14px var(--b)}
.rng{margin:14px 0}.rng label{display:flex;justify-content:space-between;font-weight:600;font-size:14.5px}.rng output{font-weight:800;color:var(--navy)}
input[type=range]{width:100%;accent-color:var(--gold);height:22px}
.big-out{background:var(--navy);color:var(--ivory);border-radius:18px;padding:22px}.big-out .x{font:900 54px/1 var(--h);color:var(--gold)}.big-out p{margin:8px 0 0}
.coins{display:flex;flex-wrap:wrap;gap:4px;margin:14px 0}.coins i{width:14px;height:14px;border-radius:50%;background:radial-gradient(circle at 35% 35%,#f3d977,#b38b1d);animation:pop .35s both}
.coins i.z{background:radial-gradient(circle at 35% 35%,#7de0a5,#1b7a46)}@keyframes pop{from{transform:scale(0)}}
.cape{display:grid;gap:8px;margin-top:10px}.cape div{display:grid;grid-template-columns:1.5fr 1.6fr 44px;gap:8px;align-items:center;font-size:13px}.cape .t{height:12px;background:#efe8d4;border-radius:9px;position:relative}.cape .t i{position:absolute;left:0;top:0;bottom:0;border-radius:9px;background:var(--blue)}
.sim-top{display:grid;grid-template-columns:1fr 1fr auto;gap:20px;align-items:end;margin-bottom:10px}
.chart{background:#fff;border:1px solid var(--line);border-radius:18px;padding:12px;position:relative}.chart svg{width:100%;height:auto;display:block}
.chart .ax{stroke:#e6dfcb;stroke-width:1}.chart .axl{fill:#8a8f99;font:500 11px var(--b)}
.hold{fill:none;stroke:var(--navy);stroke-width:3}.panic{fill:none;stroke:var(--red);stroke-width:3;stroke-dasharray:7 5}
.mk text{font:700 11.5px var(--b)}.res3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:14px}
.res3 div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:12px 14px}.res3 small{display:block;color:var(--mute);font-size:12.5px}.res3 b{font:800 22px var(--h)}
.toggle{display:flex;gap:8px;align-items:center;font-size:14.5px;font-weight:600;cursor:pointer}
.illu{display:inline-block;background:#fff3d1;color:#7a5c00;border:1px solid #ecd58b;border-radius:8px;padding:3px 9px;font-size:12px;font-weight:700}
.cash-row{display:grid;grid-template-columns:110px 1fr 150px;gap:14px;align-items:center;padding:12px 0;border-bottom:1px solid var(--line)}
.cash-row .nm{font:800 16px var(--h)}.cash-bars{display:grid;gap:5px}.cb{height:22px;border-radius:6px;width:0;transition:width 1s cubic-bezier(.2,.8,.2,1);color:#fff;font:700 12px/22px var(--b);padding-left:8px;white-space:nowrap}
.cb.ocf{background:var(--green)}.cb.cap{background:var(--gold);color:var(--navy2)}.res{font:800 18px var(--h)}.res small{display:block;font:500 12px var(--b);color:var(--mute)}
.res.neg{color:var(--red)}.res.pos{color:#1b7a46}.cash-row .src{grid-column:1/-1;margin-top:0}
.dot{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:6px}.dot.g{background:var(--green)}.dot.y{background:var(--gold)}
.cash-key{display:flex;gap:16px;flex-wrap:wrap;font-size:13px;color:var(--mute)}
.ci-bar{display:flex;height:34px;border-radius:9px;overflow:hidden;margin:12px 0}.ci-bar i{display:block;transition:width .6s}
/* poradniki */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.cards.big{grid-template-columns:repeat(2,1fr)}
.gcard{display:flex;flex-direction:column;gap:6px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;text-decoration:none;box-shadow:var(--sh);transition:transform .25s,box-shadow .25s;position:relative;overflow:hidden}
.gcard:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(11,31,58,.16)}.gcard small{color:var(--gold);font-weight:700;font-size:12px;letter-spacing:.04em}.gcard b{font:800 19px/1.25 var(--h);color:var(--navy)}.gcard span{font-size:14.5px;color:var(--mute)}
.gcard.next{background:var(--navy);color:var(--ivory);border-color:var(--navy)}.gcard.next b{color:var(--ivory)}.gcard.next span{color:#c3cbda}
.gcard .stp{position:absolute;right:14px;top:12px;font:900 34px var(--h);color:rgba(201,162,39,.18)}
/* słowniczek */
.gsearch{display:flex;gap:12px;align-items:center;margin-bottom:20px;flex-wrap:wrap}.gsearch input{flex:1;min-width:240px;border:2px solid var(--line);border-radius:999px;padding:14px 20px;font:500 17px var(--b);background:#fff}
.gsearch input:focus{outline:none;border-color:var(--gold)}
.terms{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.term{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px}.term h3{font-size:17px;margin:0;color:var(--navy)}
.term .tg{font-size:12px;color:var(--gold);font-weight:700;margin:2px 0 6px}.term p{margin:0 0 4px;font-size:14.5px;line-height:1.5}.term p.l2{color:#33507a}.term p.l3{color:#5b4a12}
mark{background:#f6e3a1;padding:0 2px;border-radius:3px}
/* zaawansowani */
.adv{display:grid;grid-template-columns:1.1fr 1fr;gap:36px;align-items:center}.adv img{border-radius:18px;border:1px solid rgba(201,162,39,.3);box-shadow:0 30px 70px rgba(0,0,0,.4)}
.adv ul{padding-left:18px;color:#cfd6e3}
/* newsletter */
.nl{display:grid;grid-template-columns:1.2fr 1fr;gap:30px;align-items:center}
.nl-form{background:#fff;border-radius:20px;padding:22px;box-shadow:var(--sh);border:1px solid var(--line)}.nl-form label{display:block;font-weight:600;font-size:14px}
.nl-form input{display:block;width:100%;margin:6px 0 12px;border:1.5px solid var(--line);border-radius:12px;padding:12px 14px;font:500 16px var(--b)}
.prem{margin-top:16px;border:1.5px dashed #cbbf98;border-radius:16px;padding:14px 16px;font-size:14.5px;color:var(--mute)}.prem b{color:var(--navy)}
.chan-cards{display:grid;grid-template-columns:1fr 1fr;gap:16px}.chan-cards a,.chan-cards div.ph{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;box-shadow:var(--sh)}.chan-cards b{font:800 20px var(--h);color:var(--navy)}
.chan-cards .ph{opacity:.85}
/* stopka */
.foot{background:var(--navy2);color:#c3cbda;padding:50px 0 34px;font-size:15px}.foot-grid{display:grid;grid-template-columns:1.3fr 1.2fr 1fr;gap:30px}
.foot-brand{font:900 20px var(--h);color:var(--ivory);letter-spacing:.06em}.foot p em{color:var(--gold)}.chan{list-style:none;padding:0;margin:0}.chan li{margin:0 0 8px}.chan a{color:var(--ivory)}.chan .ph{color:#9aa6b8}
.disc{border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:18px;font-size:13px;line-height:1.6}.foot .fine{color:#8792a6}
.badge-edu{display:inline-flex;align-items:center;gap:6px;background:rgba(201,162,39,.12);border:1px solid rgba(201,162,39,.35);color:var(--gold2);padding:5px 12px;border-radius:999px;font-size:12.5px;font-weight:700}
/* PORADNIK */
.guide-page{background:var(--paper)}.readbar{position:fixed;top:0;left:0;height:3px;background:var(--gold);z-index:60;width:0}
.guide{max-width:1180px;margin:0 auto;padding:26px 28px 60px}.crumbs{font-size:13.5px;color:var(--mute);margin-bottom:24px}.crumbs a{color:var(--navy3)}
.g-head{max-width:860px;margin-bottom:30px}.g-head h1{font-size:clamp(34px,4.6vw,56px);font-weight:900;color:var(--navy)}
.lead{font-size:20px;color:#3a4558;margin:0 0 16px}.g-meta{display:flex;gap:8px;flex-wrap:wrap;font-size:13px}.g-meta span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:5px 12px}
.mini-route{display:flex;list-style:none;padding:0;margin:22px 0 0;gap:0;counter-reset:s}
.mini-route li{flex:1;position:relative}.mini-route li:after{content:"";position:absolute;top:15px;left:50%;right:-50%;height:3px;background:repeating-linear-gradient(90deg,var(--gold) 0 4px,transparent 4px 10px);z-index:0}.mini-route li:last-child:after{display:none}
.mini-route a{display:flex;flex-direction:column;align-items:center;text-decoration:none;position:relative;z-index:1}.mini-route i{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:var(--gold);font:800 14px var(--h);font-style:normal;border:2px solid var(--gold)}
.mini-route span{font-size:11.5px;color:var(--mute);text-align:center;margin-top:6px;line-height:1.25;max-width:110px}.mini-route li.on i{background:var(--gold);color:var(--navy);transform:scale(1.2)}.mini-route li.on span{color:var(--navy);font-weight:700}
.g-grid{display:grid;grid-template-columns:260px 1fr;gap:44px}
.toc{position:sticky;top:90px;align-self:start}.toc ol{padding-left:18px;margin:0 0 18px;font-size:14.5px}.toc li{margin:6px 0}.toc a{color:var(--navy3);text-decoration:none}.toc a:hover{text-decoration:underline}
.tool-cta{display:block;background:var(--navy);color:var(--ivory);border-radius:16px;padding:14px 16px;text-decoration:none;margin-bottom:12px}.tool-cta small{color:var(--gold);font-weight:700}.tool-cta b{display:block;font:800 16px var(--h)}
.g-body{max-width:740px;font-size:18px;line-height:1.72}.g-body h2{font-size:30px;margin:38px 0 12px;color:var(--navy)}.g-body h2:first-child{margin-top:0}.g-body h3{margin-top:22px}
.g-body p{margin:0 0 16px}.g-body ul,.g-body ol{padding-left:22px}.g-body li{margin:6px 0}
.box{background:#fff;border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:14px;padding:16px 18px;margin:20px 0;font-size:16.5px}
.box.lvl-2:before{content:"POZIOM ŚREDNI";display:block;font:800 11px var(--b);letter-spacing:.14em;color:var(--blue);margin-bottom:6px}
.box.lvl-3{border-left-color:var(--gold)}.box.lvl-3:before{content:"POZIOM ZAAWANSOWANY";display:block;font:800 11px var(--b);letter-spacing:.14em;color:#9a7a12;margin-bottom:6px}
.box.ex{border-left-color:var(--gold);background:#fffaf0}.box.risk{border-left-color:var(--red)}
.tbl{width:100%;border-collapse:collapse;font-size:15.5px;margin:16px 0;background:#fff;border-radius:12px;overflow:hidden}.tbl th,.tbl td{padding:9px 12px;border-bottom:1px solid var(--line);text-align:left}.tbl th{background:var(--navy);color:var(--ivory);font-weight:700}
.tbl td:last-child,.tbl th:last-child{text-align:right}.neg{color:var(--red);font-weight:700}.pos{color:#1b7a46;font-weight:700}
.ticks{list-style:none;padding-left:0!important}.ticks li{padding-left:28px;position:relative}.ticks li:before{content:"✓";position:absolute;left:0;top:0;color:var(--green);font-weight:900}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin:10px 0;padding:0 18px}.faq summary{cursor:pointer;font-weight:700;padding:14px 0;list-style:none}.faq summary:after{content:"+";float:right;color:var(--gold);font-size:22px;line-height:1}
.faq details[open] summary:after{content:"–"}.faq details p{margin:0 0 14px;font-size:16.5px}
.g-src ol{font-size:14.5px}.g-src a{color:var(--navy3)}
.related .cards{grid-template-columns:1fr 1fr}
.g-nl{margin-top:50px;display:grid;grid-template-columns:1.2fr 1fr;gap:30px;align-items:center;background:var(--navy);color:var(--ivory);border-radius:26px;padding:34px}.g-nl h2{font-size:30px}.g-nl p{color:#c3cbda}
/* mobile */
@media (max-width:1100px){.links{display:none}.terms{grid-template-columns:repeat(3,1fr)}}
@media (max-width:900px){
 .hero-head,.road,.test,.tgrid,.adv,.nl,.g-grid,.g-nl,.foot-grid,.sim-top{grid-template-columns:1fr}.cards,.cards.big,.related .cards{grid-template-columns:1fr}
 .steps{grid-template-columns:1fr}.terms{grid-template-columns:1fr 1fr}.toc{position:static}.chan-cards{grid-template-columns:1fr}}
@media (max-width:600px){
 body{font-size:16px}.wrap{padding:0 18px}.top{padding:10px 14px;gap:10px;flex-wrap:wrap}.brand small{display:none}.top .btn{display:none}.lvl{margin-left:auto}.lvl button{padding:6px 9px;font-size:12px}
 .hero{padding:28px 0 40px}.hero .intro{font-size:16.5px}section.blk{padding:56px 0}.tool{padding:18px;border-radius:20px}.qcard{padding:20px}
 .wf .row{grid-template-columns:104px 1fr 66px;gap:8px}.wf .row .nm{font-size:12.5px}.wf .row .v{font-size:12.5px}.own{grid-template-columns:1fr 1fr}
 .terms{grid-template-columns:1fr}.res3{grid-template-columns:1fr}.cash-row{grid-template-columns:80px 1fr 96px;gap:8px}.res{font-size:14px}
 .map-legend{display:none}.big-out .x{font-size:42px}.guide{padding:18px 18px 40px}.g-body{font-size:16.5px}.mini-route span{display:none}.prof-grid{grid-template-columns:1fr}.kpis{grid-template-columns:1fr 1fr}
 .tbl{font-size:13.5px}.tbl th,.tbl td{padding:7px 8px}.g-nl{padding:22px}.panel{padding:20px}.panel h3{font-size:22px}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
#map.v text.s{font-size:12.5px}#map.v text.l{font-size:17.5px}

.toc a.tool-cta{color:var(--ivory)}.toc a.tool-cta:hover{text-decoration:none;background:var(--navy3)}
#sim.sm .axl{font-size:14px}#sim.sm .mk text{font-size:14px}
@media (max-width:420px){.brand span{display:none}.top{flex-wrap:nowrap}}
.nl .ticks{margin:14px 0 18px}.nl .ticks li{margin:7px 0;line-height:1.45}

/* ================= v5: WIEDZA (v7: blok newslettera i grupy zastąpione blokiem X, css/wspolne.css) ================= */
.top .links a[aria-current="page"]{color:var(--gold);background:rgba(201,162,39,.1)}
.mnav{display:none}
.wk{background:var(--paper)}
.wk-main{max-width:1180px;margin:0 auto;padding:26px 28px 70px}.wk-main.narrow{max-width:820px}
.wk-head{margin:6px 0 34px}.wk-head h1{font-size:clamp(32px,4.4vw,54px);font-weight:900;color:var(--navy);max-width:900px}
.wk-head .lead{max-width:720px}
.wsearch{display:flex;gap:14px;align-items:center;flex-wrap:wrap;margin-top:18px}
.wsearch input{flex:1;min-width:240px;max-width:640px;border:2px solid var(--line);border-radius:999px;padding:14px 22px;font:500 17px var(--b);background:#fff;box-shadow:var(--sh)}
.wsearch.big input{padding:17px 24px;font-size:18px}.wsearch input:focus{outline:none;border-color:var(--gold)}
.jump{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.jump a{text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-weight:600;font-size:14.5px;color:var(--navy)}
.jump a small{color:var(--gold);font-weight:800;margin-left:4px}.jump a:hover{border-color:var(--gold)}
.searching .jump{display:none}
.wsec{padding:34px 0;border-top:1px solid var(--line)}.wsec-h{display:flex;justify-content:space-between;align-items:end;gap:20px;flex-wrap:wrap;margin-bottom:20px}
.wsec-h h2{font-size:clamp(26px,3vw,36px);color:var(--navy);margin:0 0 6px}.wsec-h p{margin:0;color:var(--mute);max-width:620px}.more-link{font-weight:700;color:var(--navy3);white-space:nowrap}
.kgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.kcard,.scard,.tcard{display:flex;flex-direction:column;gap:6px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 20px;text-decoration:none;transition:border-color .2s,transform .2s}
.kcard:hover,.scard:hover,.tcard:hover{border-color:var(--gold);transform:translateY(-2px)}
.kcard small,.scard small,.tcard small{color:var(--gold);font-weight:700;font-size:12px;letter-spacing:.04em}.kcard b,.scard b,.tcard b{font:800 18px/1.25 var(--h);color:var(--navy)}.kcard span,.scard span,.tcard span{font-size:14.5px;color:var(--mute);line-height:1.5}
#kompas .kcard.more{display:none}.searching #kompas .kcard.more{display:flex}
.sgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.scard i{font-style:normal;font-size:26px;color:var(--gold);line-height:1}.scard small{margin-top:auto;color:var(--mute);font-weight:600}
.tgrid4{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.tcard{background:var(--navy);border-color:var(--navy)}.tcard b{color:var(--ivory)}.tcard span{color:#c3cbda}.tcard small{margin-top:auto}
.tcard.alt{background:#fff;border-color:var(--line)}.tcard.alt b{color:var(--navy)}.tcard.alt span{color:var(--mute)}
.wempty{background:#fff;border:1px dashed var(--line);border-radius:14px;padding:18px;text-align:center}
.cards.two{grid-template-columns:1fr 1fr}
/* hasło */
.term-page h1{font-size:clamp(32px,4.4vw,50px);font-weight:900;color:var(--navy)}
.term-page section{margin:26px 0}.term-page h2{font-size:24px;color:var(--navy);margin:0 0 10px}.term-page p,.term-page li{font-size:17.5px;line-height:1.7}
.term-page .box h2{font-size:20px}.term-page .box p{margin:0 0 6px}.term-page .box ul{margin:0;padding-left:20px}
.chips-row{display:flex;gap:8px;flex-wrap:wrap}.chip{text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-weight:600;font-size:14.5px;color:var(--navy)}.chip:hover{border-color:var(--gold)}
.edu{background:var(--ivory);border-radius:12px;padding:12px 16px;font-size:15px}
/* kalkulatory */
.calc{background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px;box-shadow:var(--sh)}
.seg{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:16px}.seg button{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:8px 14px;font:600 14px var(--b);cursor:pointer;color:var(--navy)}
.seg button.on{background:var(--navy);color:var(--ivory);border-color:var(--navy)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.calc-in label{display:block;font-weight:600;font-size:14.5px;margin-bottom:12px}
.calc-in input{display:block;width:100%;margin-top:6px;border:1.5px solid var(--line);border-radius:12px;padding:12px 14px;font:600 18px var(--b);background:var(--paper)}
.calc-in input:focus{outline:none;border-color:var(--gold);background:#fff}
.calc-out{background:var(--navy);color:var(--ivory);border-radius:18px;padding:20px}.calc-out>small{color:#b8c2d3;font-weight:600}
.calc-out .big{font:900 48px/1.1 var(--h);color:var(--gold);margin:6px 0 8px}.calc-out .big.neg{color:#ff8f7a}.calc-out .big.pos{color:#7fe0a6}
.calc-out p{color:#d5dbe6;margin:0 0 14px}.calc-out p b{color:#fff}.calc-out .fine{color:#a9b3c4}
.kpis2{display:grid;grid-template-columns:1fr 1fr;gap:10px}.kpis2 div{background:rgba(255,255,255,.06);border-radius:12px;padding:10px 12px}.kpis2 small{display:block;color:#a9b3c4;font-size:12.5px}.kpis2 b{font:800 20px var(--h);color:#fff}.kpis2 b.pos{color:#7fe0a6}
.ci-bars{margin-top:14px;display:grid;gap:6px}.cib{display:grid;grid-template-columns:42px 1fr 96px;gap:8px;align-items:center;font-size:13px}.cib .t{display:flex;height:14px;background:rgba(255,255,255,.06);border-radius:5px;overflow:hidden}
.cib i{display:block;height:100%}.cib i.pd{background:#5d7aa6}.cib i.in{background:var(--green)}.cib b{text-align:right;font-weight:700}
.dot.nv{background:#5d7aa6}
.fcf-bar{display:grid;gap:6px;margin:0 0 14px}.fcf-bar div{display:grid;grid-template-columns:52px 1fr;gap:8px;align-items:center;font-size:13px}.fcf-bar i{display:block;height:16px;border-radius:5px}.fcf-bar i.g{background:var(--green)}.fcf-bar i.y{background:var(--gold)}
.calc-exp{margin:30px 0}.calc-exp h2{font-size:26px;color:var(--navy)}.calc-exp p,.calc-exp li{font-size:17px;line-height:1.7}
/* newsletter v5 */
.nl2{display:grid;grid-template-columns:1.15fr 1fr;gap:30px;align-items:center;background:var(--navy);color:var(--ivory);border-radius:26px;padding:34px;margin-top:46px}
.nl2 h2{font-size:clamp(24px,2.6vw,34px)}.nl2 .ticks{margin:12px 0 0}.nl2 .ticks li{margin:7px 0;line-height:1.45;color:#d5dbe6}
.nl-form.slim{color:var(--ink)}.nl-form.slim label{font-weight:700}.nl-row{display:flex;gap:8px;margin:8px 0 10px;flex-wrap:wrap}.nl-row input{flex:1;min-width:200px;margin:0!important}
.nl-form.slim .nl-msg{margin:0}
section.blk .nl2{margin-top:0}
/* v5: blok grupy (nieużywany od v7) */
.comm{display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:26px;padding:32px;margin-top:26px;box-shadow:var(--sh)}
.comm-ico .tg-ico{width:72px;height:72px}.comm h2{font-size:clamp(24px,2.6vw,34px);color:var(--navy)}.comm p{color:var(--mute);max-width:680px}
.comm-rules{list-style:none;padding:0;margin:0 0 18px;display:flex;gap:8px;flex-wrap:wrap}.comm-rules li{background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:6px 12px;font-size:14px}
.btn.tg{background:#229ED9;color:#fff}.btn.tg .tg-ico{width:22px;height:22px}.btn.tg .tg-ico circle{fill:#fff}.btn.tg .tg-ico path{fill:#229ED9}
.btn[disabled]{opacity:.6;cursor:not-allowed;transform:none!important;box-shadow:none}
/* home: blok Wiedza */
.wtiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:6px}
.home-search{display:flex;gap:10px;margin-bottom:22px;flex-wrap:wrap}.home-search input{flex:1;min-width:220px;max-width:560px;border:2px solid var(--line);border-radius:999px;padding:13px 20px;font:500 16.5px var(--b);background:#fff}
@media (max-width:1100px){.links{display:none}.mnav{display:flex;gap:4px;overflow-x:auto;padding:8px 14px;background:var(--navy2);scrollbar-width:none}
 .mnav a{flex:0 0 auto;color:#d9deea;text-decoration:none;font-weight:600;font-size:14px;padding:6px 12px;border-radius:999px;background:rgba(255,255,255,.06)}.mnav a[aria-current="page"]{background:var(--gold);color:var(--navy2)}
 .kgrid{grid-template-columns:1fr 1fr}.sgrid,.tgrid4,.wtiles{grid-template-columns:1fr 1fr}}
@media (max-width:900px){.calc-grid,.nl2,.cards.two{grid-template-columns:1fr}}
@media (max-width:600px){.wk-main{padding:16px 18px 50px}.kgrid,.sgrid,.tgrid4,.wtiles{grid-template-columns:1fr}.nl2{padding:22px;border-radius:20px}.comm{grid-template-columns:1fr;padding:22px;gap:12px}.comm-ico .tg-ico{width:52px;height:52px}
 .calc{padding:16px}.calc-out .big{font-size:40px}.btn.tg{width:100%;justify-content:center;white-space:normal}.nl-row .btn{width:100%;justify-content:center}}
/* ---- Mój portfel (/portfel/) ---- */
.pf h2{font:800 26px/1.2 var(--h);color:var(--navy);margin:38px 0 12px}
.pf-note{border-left:5px solid var(--gold);background:#fff8e3;padding:16px 20px;border-radius:12px;font-size:15.5px;line-height:1.55;margin:6px 0 22px}
.pf-sum{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:0 0 6px}.pf-sum div{background:var(--navy);color:var(--ivory);border-radius:16px;padding:16px 18px}
.pf-sum small{display:block;font-size:12.5px;color:#a9b3c4;letter-spacing:.04em}.pf-sum b{font:900 28px/1.15 var(--h);color:var(--gold)}
.pf-stack{display:flex;height:22px;border-radius:999px;overflow:hidden;background:#efe8d4;box-shadow:inset 0 0 0 1px rgba(11,31,58,.08)}.pf-stack i{display:block;height:100%}
.pf-leg{list-style:none;padding:0;margin:12px 0 6px;display:flex;flex-wrap:wrap;gap:8px 18px;font-size:14.5px}.pf-leg b{color:var(--navy)}
.pf-wrap{overflow-x:auto}.pf-tbl{min-width:640px}.pf-tbl td{vertical-align:middle}.pf-n{color:var(--mute);width:34px}.pf-om{display:none}
.pf-tk{display:block;font:800 15px var(--h);color:var(--navy);letter-spacing:.02em}.pf-nm{display:block;font-size:13px;color:var(--mute)}
.pf-op{font-size:14.5px;line-height:1.45;color:#2b3546}.pf-op small{display:block;margin-top:3px;font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold)}
.pf-w{width:210px;white-space:nowrap}.pf-w b{display:inline-block;min-width:56px;font:800 15px var(--h);color:var(--navy)}
.pf-bar{display:inline-block;vertical-align:middle;width:130px;height:10px;background:#efe8d4;border-radius:9px;overflow:hidden;margin-right:10px}.pf-bar i{display:block;height:100%;background:var(--green);border-radius:9px}
.pf-log{list-style:none;padding:0;margin:14px 0;border-left:3px solid var(--line)}.pf-ch{position:relative;padding:4px 0 16px 22px}
.pf-ch:before{content:"";position:absolute;left:-8px;top:8px;width:13px;height:13px;border-radius:50%;background:var(--gold);border:2px solid #fff}
.pf-ch.add:before{background:var(--green)}.pf-ch.del:before{background:var(--red)}.pf-ch.chg:before{background:var(--blue)}
.pf-ch time{font:800 14px var(--h);color:var(--navy);margin-right:10px}.pf-typ{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold)}.pf-ch p{margin:4px 0 0}
.pf-how h2{margin-top:0}.disc-pf{font-size:13.5px;line-height:1.6;color:var(--mute);border-top:1px solid var(--line);padding-top:16px;margin:30px 0}
@media (max-width:600px){.pf-sum{grid-template-columns:1fr 1fr}.pf-sum div:last-child{grid-column:1/-1}.pf-sum b{font-size:22px}
 .pf-tbl{min-width:0}.pf-tbl thead th:nth-child(3),.pf-tbl td.pf-op{display:none}.pf-n{display:none}.pf-tbl thead th:first-child{display:none}
 .pf-om{display:block;font-size:12.5px;line-height:1.4;color:#3a4558;margin-top:3px;white-space:normal}.pf-w{width:auto;vertical-align:top}.pf-bar{width:56px;margin-right:6px}.pf h2{font-size:22px}}
/* test: na wąskich ekranach pytanie od razu pod nagłówkiem, style niżej i kompaktowo */
@media (max-width:900px){.test{gap:18px}.test-head,.qcard#quiz,.test-prof{grid-column:1;grid-row:auto}.qcard{min-height:0}}
@media (max-width:600px){.test .prof-grid{grid-template-columns:1fr 1fr;gap:8px}.test .prof-grid div{padding:10px 12px;border-radius:12px}.test .prof-grid b{font-size:14.5px}.test .prof-grid p{font-size:12.5px;line-height:1.35}.qcard h3{font-size:20px}}