:root{
  --bg:#f4f6f8;--card:#fff;--ink:#14202b;--muted:#5b6b7a;--line:#e1e7ec;
  --brand:#0f766e;--brand-ink:#fff;--brand-soft:#d9f2ee;--warn:#b42318;--warn-bg:#fdecea;
  --c1:#0f766e;--c2:#e08a00;--c3:#6b5bd2;--c4:#d6455d;--c5:#2b7bd6;
  --shadow:0 1px 2px rgba(16,24,40,.06),0 4px 14px rgba(16,24,40,.06);
}
@media (prefers-color-scheme:dark){
  :root{--bg:#0e1419;--card:#18212a;--ink:#e8eef3;--muted:#95a5b4;--line:#2a3541;
    --brand:#2dd4bf;--brand-ink:#04211d;--brand-soft:#12332f;--warn:#ff8f84;--warn-bg:#3a1a18;
    --c1:#2dd4bf;--c2:#f5b23d;--c3:#a79bff;--c4:#ff7a90;--c5:#6db1ff;--shadow:none}
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:68px}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.5 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  -webkit-text-size-adjust:100%;padding-bottom:env(safe-area-inset-bottom)}
a{color:var(--brand)}
.wrap{max-width:1120px;margin:0 auto;padding:0 16px}

/* menu */
header.nav{position:sticky;top:0;z-index:50;background:var(--card);border-bottom:1px solid var(--line)}
.nav .wrap{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;height:56px}
.brand{justify-self:start;white-space:nowrap}
.brand{font-weight:700;font-size:1.05rem;color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:8px}
.brand i{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:8px;background:var(--brand);color:var(--brand-ink);font-style:normal;font-size:.9rem}
.menu{display:flex;gap:4px}
.menu a{color:var(--ink);text-decoration:none;padding:8px 12px;border-radius:8px;font-size:.95rem}
.menu a:hover,.menu a.active{background:var(--brand-soft)}
.menu a.current{background:var(--brand);color:var(--brand-ink);font-weight:600}
.nav-act{grid-column:3;grid-row:1;justify-self:end;display:flex;align-items:center;gap:8px}
.ask{display:inline-flex;align-items:center;gap:2px;padding:6px 13px;border-radius:999px;border:1px solid var(--line);background:var(--card);color:var(--ink);font:inherit;font-weight:600;font-size:.92rem;white-space:nowrap;cursor:pointer}
.ask:hover{border-color:var(--brand);color:var(--brand)}
/* przełącznik języka: kod bieżącego języka, po kliknięciu lista wersji */
.lang{position:relative;border:0;padding:0;margin:0;background:none}   /* bez ogólnego stylu details */
.lang summary{list-style:none;justify-content:flex-start;display:inline-flex;align-items:center;gap:4px;padding:6px 11px;border-radius:999px;border:1px solid var(--line);background:var(--card);color:var(--ink);font-weight:600;font-size:.92rem;letter-spacing:.03em;white-space:nowrap;cursor:pointer;user-select:none}
.lang summary::-webkit-details-marker{display:none}
.lang summary::after,.lang[open] summary::after{content:"▾";font-size:.7rem;opacity:.7}
.lang summary:hover,.lang[open] summary{border-color:var(--brand);color:var(--brand)}
.lang-menu{position:absolute;left:0;top:calc(100% + 6px);z-index:60;display:flex;flex-direction:column;min-width:150px;padding:4px;background:var(--card);border:1px solid var(--line);border-radius:10px;box-shadow:0 8px 24px rgba(16,24,40,.16)}
.lang-menu a{padding:8px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:.92rem;white-space:nowrap}
.lang-menu a:hover{background:var(--brand-soft)}
.lang-menu a[aria-current]{font-weight:700;color:var(--brand)}
.coffee{display:inline-flex;align-items:center;gap:2px;padding:7px 14px;border-radius:999px;background:#fbbf24;color:#3b2402;font-weight:600;font-size:.92rem;text-decoration:none;white-space:nowrap;transition:filter .15s,transform .15s}
.coffee:hover{filter:brightness(1.06);transform:translateY(-1px)}
.coffee:focus-visible{outline:2px solid var(--brand);outline-offset:2px}
.burger{display:none;background:none;border:1px solid var(--line);color:var(--ink);border-radius:8px;width:40px;height:40px;font-size:1.3rem;cursor:pointer}
@media (max-width:900px){
  .burger{display:block;grid-column:3;grid-row:1;justify-self:end}
  .nav-act{margin-right:48px;gap:6px}
  .coffee{padding:7px 12px}
  .menu{display:none;position:absolute;left:0;right:0;top:56px;background:var(--card);border-bottom:1px solid var(--line);flex-direction:column;padding:8px 16px 12px;text-align:center}
  .menu.open{display:flex}
  .menu a{padding:12px}
}

/* layout */
.hero{padding:24px 0 8px}
.hero h1{margin:0 0 4px;font-size:clamp(1.5rem,4vw,2.1rem);line-height:1.2}
.hero p{margin:0;color:var(--muted)}
.grid{display:grid;gap:16px;grid-template-columns:minmax(0,1fr);margin:16px 0 24px;align-items:start}
.grid>*{min-width:0}
@media (min-width:900px){
  .grid{grid-template-columns:minmax(340px,5fr) 7fr}
  .grid>section{grid-column:1/-1}
  /* ustawienia po lewej stoją w miejscu (z własnym przewijaniem), przewijają się wyniki po prawej */
  #form{position:sticky;top:72px;max-height:calc(100vh - 88px);overflow-y:auto;overscroll-behavior:contain;scrollbar-width:thin;scrollbar-gutter:stable}
}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px;box-shadow:var(--shadow)}
.card h2{margin:0 0 12px;font-size:1.1rem}
.card h3{margin:16px 0 6px;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}

/* form */
.field{position:relative;margin-bottom:14px}
label.lbl{display:flex;align-items:center;gap:6px;font-weight:600;font-size:.93rem;margin-bottom:6px}
input[type=number],select{width:100%;height:46px;padding:0 12px;border:1px solid var(--line);border-radius:10px;background:var(--bg);color:var(--ink);font:inherit;font-size:1rem}
input[type=number]:focus,select:focus{outline:2px solid var(--brand);outline-offset:1px}
.money{position:relative}
.money input{padding-right:48px;font-size:1.25rem;font-weight:600}
.money span{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.err{display:none;margin-top:6px;padding:8px 10px;border-radius:8px;background:var(--warn-bg);color:var(--warn);font-size:.88rem}
.err.show{display:block}
.chk{display:flex;gap:10px;align-items:flex-start;padding:10px 12px;border:1px solid var(--line);border-radius:10px;margin-bottom:8px;cursor:pointer;background:var(--bg)}
.chk:has(input:checked){border-color:var(--brand);background:var(--brand-soft)}
.chk input{width:20px;height:20px;margin:2px 0 0;accent-color:var(--brand);flex:none}
.chk .t{flex:1;font-size:.95rem}
.chk small{display:block;color:var(--muted);font-size:.84rem;margin-top:2px}
.badge{font-size:.65rem;font-weight:700;background:var(--c2);color:#fff;padding:1px 6px;border-radius:99px;margin-left:6px;vertical-align:middle}
.sub{display:none;margin:-2px 0 10px;padding:10px 12px;border-left:3px solid var(--brand);background:var(--bg);border-radius:0 10px 10px 0}
.sub.show{display:grid;gap:10px;grid-template-columns:1fr 1fr}
.sub .field{margin:0}
.field[data-show]{display:none}.field[data-show].show{display:block}.sub .wide{grid-column:1/-1}
.sub input,.sub select{height:40px}
.sub label.lbl{font-size:.82rem;margin-bottom:4px}

/* tooltips */
.tip{position:static;display:inline-grid;place-items:center;width:22px;height:22px;border-radius:50%;background:var(--line);color:var(--muted);font-size:.72rem;font-weight:700;cursor:help;flex:none;font-style:normal}
.tip:hover::after,.tip:focus::after{content:attr(data-tip);position:absolute;left:0;right:0;top:100%;z-index:20;margin-top:4px;padding:10px 12px;background:#14202b;color:#fff;border-radius:10px;font-size:.82rem;font-weight:400;line-height:1.4;box-shadow:0 8px 24px rgba(0,0,0,.25);text-transform:none;letter-spacing:0}
.chk{position:relative}
th.has-tip{position:relative}
th.has-tip .tip{vertical-align:middle}
th.has-tip .tip:hover::after,th.has-tip .tip:focus::after{left:auto;right:0;width:270px;white-space:pre-line;text-align:left}
td.has-tip .tip{vertical-align:middle}
td.has-tip .tip:hover::after,td.has-tip .tip:focus::after{right:auto;left:0;width:300px;white-space:pre-line;text-align:left}
td.has-tip .tip.up:hover::after,td.has-tip .tip.up:focus::after{top:auto;bottom:100%;margin:0 0 4px}
td.has-tip:hover,td.has-tip:focus-within{z-index:5}
.no-tips .tip{display:none}

/* duży monitor: ustawienia stale po lewej, wyniki, rozkład miesięczny i zasady przewijają się po prawej */
@media (min-width:1280px){
  .wrap{max-width:1560px}
  .grid{grid-template-columns:400px minmax(0,1fr);gap:24px}
  #form{grid-column:1;grid-row:1/span 3}
  #wyniki,.grid>section{grid-column:2}
}

/* zgoda na cookies */
.consent{position:fixed;left:16px;right:16px;bottom:16px;z-index:95;max-width:520px;margin:0 auto;background:var(--card);color:var(--ink);border:1px solid var(--line);border-radius:14px;padding:16px;box-shadow:0 12px 40px rgba(0,0,0,.25)}
.consent p{margin:0 0 8px;font-size:.92rem}
.consent .btns{margin-top:10px}
.linkbtn{background:none;border:0;padding:0;margin-top:8px;color:var(--brand);font:inherit;text-decoration:underline;cursor:pointer}

/* ergonomia */
fieldset.grp{border:0;margin:0;padding:0;min-width:0}
fieldset.grp legend{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);padding:0;margin:18px 0 10px}
fieldset.grp:first-of-type legend{margin-top:2px}
.range{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.range input[type=range]{flex:1;min-width:0;height:32px;accent-color:var(--brand);padding:0;border:0;background:none}
.range input[type=number]{width:96px;flex:none;height:42px;text-align:right}
.range input.grow{flex:1 1 120px;min-width:0;width:auto;text-align:left}
.range select.shrink{width:auto;flex:1 1 130px;height:42px}
.range>span{color:var(--muted);font-weight:600}
.hint{display:block;color:var(--muted);margin-top:4px;font-size:.84rem}
details.adv{margin:16px 0 4px;background:var(--bg)}
details.adv[open]{padding-bottom:10px}
:focus-visible{outline:3px solid var(--brand);outline-offset:2px}
input:focus-visible,select:focus-visible{outline-offset:1px}
.chk:focus-within{border-color:var(--brand)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.toast button{margin-left:10px;background:none;border:1px solid rgba(255,255,255,.5);color:#fff;border-radius:99px;padding:3px 12px;font:inherit;font-weight:600;cursor:pointer}
.toast.show{pointer-events:auto}
.mbar{transition:transform .2s}
.mbar.hide{transform:translateY(110%)}
tbody tr:nth-child(even) td{background:var(--bg)}
tbody tr:hover td{background:var(--brand-soft)}
caption{caption-side:top;text-align:left;padding:10px 12px 0;color:var(--muted);font-size:.8rem}
.legend-list{margin:10px 0 0;padding-left:18px;color:var(--muted);font-size:.86rem;line-height:1.55}
.legend-list b{color:var(--ink)}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::after{transition:none!important}}
/* pełne menu i przyciski nie mieszczą się w jednym wierszu – przyciski bez opisu (same ikony z podpowiedzią) */
@media (min-width:901px) and (max-width:1200px){.ask span,.coffee span{display:none}.ask{font-size:1.05rem;padding:5px 11px}.coffee{font-size:1.15rem;padding:5px 10px}}
@media (max-width:640px){.lang summary{padding:5px 8px}}
@media (max-width:640px){.ask span{display:none}.ask{font-size:1.05rem;padding:5px 11px}}
@media (max-width:480px){.brand{font-size:0;gap:0}.brand i{font-size:.9rem;width:32px;height:32px}}
@media (max-width:360px){.coffee span{display:none}.coffee{font-size:1.15rem;padding:5px 10px}}
dialog.req{width:min(560px,calc(100% - 32px));max-height:calc(100% - 32px);padding:0;border:1px solid var(--line);border-radius:14px;background:var(--card);color:var(--ink);box-shadow:0 20px 60px rgba(0,0,0,.3)}
dialog.req::backdrop{background:rgba(10,20,25,.5)}
.req form{position:relative;padding:18px 20px 20px}
.req h2{margin:0 0 4px;font-size:1.2rem}
.req p.intro{margin:0 0 14px;color:var(--muted);font-size:.9rem;padding-right:28px}
.req label.l{display:block;font-weight:600;font-size:.9rem;margin:12px 0 6px}
.req textarea,.req input[type=email]{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:10px;background:var(--bg);color:var(--ink);font:inherit;font-size:1rem}
.req textarea{min-height:130px;resize:vertical}
.req textarea:focus,.req input[type=email]:focus{outline:2px solid var(--brand);outline-offset:1px}
.req .chk{margin-top:12px}
.req .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.req .x{position:absolute;top:10px;right:12px;width:36px;height:36px;border:0;border-radius:8px;background:none;color:var(--muted);font-size:1.4rem;cursor:pointer}
.req .x:hover{background:var(--bg)}
.req .status{margin:12px 0 0;font-size:.92rem;min-height:1.2em}
.req .status.bad{color:var(--warn)}
.req .status.good{color:var(--brand);font-weight:600}
@media print{.consent,header.nav,.nav-act,dialog.req,.mbar,.toast,.btns,.tabs,details.adv,.tip{display:none!important}body{background:#fff}.card{box-shadow:none}.grid{grid-template-columns:1fr 1fr}.tw{overflow:visible}table{min-width:0}}

.btns{display:flex;gap:8px;flex-wrap:wrap;margin-top:6px}
button.btn{flex:1;min-width:130px;min-height:44px;padding:8px 14px;line-height:1.2;border-radius:10px;border:1px solid var(--line);background:var(--card);color:var(--ink);font:inherit;font-weight:600;cursor:pointer}
button.btn.primary{background:var(--brand);border-color:var(--brand);color:var(--brand-ink)}
button.btn:hover{filter:brightness(.96)}
.switch{display:flex;align-items:center;gap:10px;font-size:.9rem;color:var(--muted);margin-top:12px;cursor:pointer}
.switch input{accent-color:var(--brand);width:18px;height:18px}

/* results */
.tabs{display:flex;gap:6px;overflow-x:auto;padding-bottom:4px;margin-bottom:10px;scrollbar-width:thin}
.tabs button{flex:none;min-height:40px;border:1px solid var(--line);background:var(--bg);color:var(--ink);border-radius:99px;padding:8px 14px;font:inherit;font-size:.85rem;cursor:pointer}
.tabs button.on{background:var(--brand);border-color:var(--brand);color:var(--brand-ink);font-weight:600}
.hero-net{background:var(--brand);color:var(--brand-ink);border-radius:12px;padding:16px;margin-bottom:12px}
.hero-net small{opacity:.85;display:block}
.hero-net b{font-size:clamp(1.8rem,7vw,2.5rem);line-height:1.15;display:block}
.hero-net .sub2{margin-top:6px;font-size:.9rem;opacity:.9}
.bar{display:flex;height:16px;border-radius:99px;overflow:hidden;background:var(--line);margin:10px 0 8px}
.bar div{height:100%;min-width:0;transition:width .25s}
.legend{display:flex;flex-wrap:wrap;gap:4px 14px;font-size:.8rem;color:var(--muted);margin-bottom:6px}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:5px}
.rows{margin:0;padding:0;list-style:none}
.rows li{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px solid var(--line);font-size:.95rem}
.rows li:last-child{border-bottom:0}
.rows li span:first-child{color:var(--muted)}
.rows li span:last-child{font-variant-numeric:tabular-nums;font-weight:600;text-align:right;white-space:nowrap}
.rows li.tot span{color:var(--ink);font-weight:700}
.rows li.ind span:first-child{padding-left:14px}
details{border:1px solid var(--line);border-radius:10px;padding:0 12px;margin:10px 0;background:var(--bg)}
summary{cursor:pointer;padding:10px 0;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:10px}
summary::-webkit-details-marker{display:none}
summary::after{content:"▾";color:var(--muted)}
details[open] summary::after{content:"▴"}
summary b{margin-left:auto}
details[open] summary .when-closed{display:none}
.two{display:grid;gap:16px;grid-template-columns:1fr}
@media (min-width:640px){.two{grid-template-columns:1fr 1fr}}
.kpis{display:grid;grid-template-columns:repeat(2,1fr);gap:8px}
.kpi{background:var(--bg);border-radius:10px;padding:10px 12px}
.kpi small{color:var(--muted);display:block;font-size:.78rem}
.kpi b{font-size:1.05rem;font-variant-numeric:tabular-nums}

/* table */
section.block{margin:0 0 24px}
section.block>h2{font-size:1.3rem;margin:0 0 10px}
.tw{overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:var(--card);-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;min-width:920px;font-size:.9rem;font-variant-numeric:tabular-nums}
th,td{padding:9px 12px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
th:first-child,td:first-child{text-align:left;position:sticky;left:0;background:var(--card)}
thead th{background:var(--bg);font-size:.78rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);white-space:normal;vertical-align:bottom;line-height:1.3}
tfoot td{font-weight:700;border-bottom:0}
.lead{margin:0 0 12px;color:var(--muted);font-size:.92rem;max-width:900px}
table.bn{min-width:760px}
table.bn caption{padding-bottom:6px}
table.bn td:first-child a{color:var(--brand);font-weight:600;text-decoration:none}
table.bn td:first-child a:hover{text-decoration:underline}
table.bn small{color:var(--muted);font-size:.75rem}
table.bn .same{color:var(--muted);font-size:.82rem}
table.bn tbody tr:hover td{background:var(--brand-soft)}
.faq{display:grid;gap:8px}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:12px}
.faq summary{cursor:pointer;list-style:none;padding:13px 44px 13px 16px;font-weight:600;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);font-size:1.3rem;color:var(--brand);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 16px 12px;color:var(--muted);font-size:.93rem}
.faq details>div p{margin:0 0 8px}
.faq details>div ul{margin:0 0 8px;padding-left:20px}
.faq b{color:var(--ink)}
.notes{display:grid;gap:12px;grid-template-columns:1fr}
@media (min-width:760px){.notes{grid-template-columns:1fr 1fr}}
.notes .card h3{margin:0 0 6px;text-transform:none;font-size:1rem;letter-spacing:0;color:var(--ink)}
.notes p,.notes ul{margin:0;color:var(--muted);font-size:.92rem}
.notes ul{padding-left:18px}
footer{border-top:1px solid var(--line);padding:14px 0;color:var(--muted);font-size:.82rem;line-height:1.5;background:var(--card)}
.f-row{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px 28px}
.f-note{margin:0;flex:1 1 380px}
.f-note b{color:var(--ink);font-weight:600}
.f-links{display:flex;flex-wrap:wrap;gap:4px 18px}
.f-links a,footer .linkbtn{margin:0;padding:0;color:var(--muted);text-decoration:none;font:inherit;white-space:nowrap}
.f-links a:hover,footer .linkbtn:hover{color:var(--brand);text-decoration:underline}
.f-priv{margin-top:12px;padding-top:12px;border-top:1px dashed var(--line);max-width:900px}
.f-priv p{margin:0 0 6px}
@media (max-width:899px){footer{padding-bottom:64px}}
.mbar{display:none}
@media (max-width:899px){
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:40;justify-content:space-between;align-items:center;
    background:var(--brand);color:var(--brand-ink);padding:10px 16px calc(10px + env(safe-area-inset-bottom));text-decoration:none}
  .mbar b{font-size:1.15rem}
}
.toast{position:fixed;left:50%;bottom:80px;transform:translateX(-50%);background:#14202b;color:#fff;padding:10px 16px;border-radius:99px;font-size:.9rem;opacity:0;pointer-events:none;transition:opacity .2s;z-index:80}
.toast.show{opacity:1}

/* B2B: elementy pokazywane zależnie od wybranej opcji (data-show="pole=wartość") */
.chk[data-show]:not(.show),p[data-show]:not(.show){display:none}
fieldset[data-show]:not(.show){display:none}
/* wykres porównania: podpowiedź z kwotami */
.ch-wrap{position:relative}
#chSvg{touch-action:pan-y;cursor:crosshair}
.ch-tip{position:absolute;top:8px;min-width:300px;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:8px 10px;box-shadow:0 8px 24px rgba(0,0,0,.18);font-size:.82rem;pointer-events:none;z-index:5}
.ch-tip div{display:flex;align-items:center;gap:6px;margin-top:3px}
.ch-tip i{width:10px;height:10px;border-radius:3px;flex:none}
.ch-tip span{margin-left:auto;padding-left:12px;font-variant-numeric:tabular-nums}
.ch-tip em{font-style:normal;color:var(--muted);min-width:82px;text-align:right;font-size:.78rem;font-variant-numeric:tabular-nums}
@media (max-width:520px){.ch-tip{min-width:0;width:calc(100% - 8px);left:4px!important}}
/* UoP: lista dodatków rocznych */
.bonus-row{display:grid;gap:6px;padding:8px 0;border-bottom:1px solid var(--line)}
.bonus-row input[type=text]{width:100%;height:40px;padding:0 12px;border:1px solid var(--line);border-radius:10px;background:var(--card);color:var(--ink);font:inherit}
.b-del{flex:none;width:40px;height:40px;border:1px solid var(--line);border-radius:10px;background:var(--card);color:var(--muted);font-size:1.2rem;cursor:pointer}
.b-del:hover{color:var(--warn);border-color:var(--warn)}