/* KredytMistrz — wspólne style podstron prawnych (Polityka prywatności / Regulamin) */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --e0:#050D17;--e1:#090F1E;--e2:#0D1728;--e3:#132133;--e4:#1A2D42;--e5:#233A54;
  --gold:#C8A84A;--gold-hi:#E4C660;--gold-lo:#947530;
  --gold-surface:rgba(200,168,74,.055);--gold-glow:rgba(200,168,74,.16);
  --e-border-0:rgba(200,168,74,.06);--e-border-1:rgba(200,168,74,.10);
  --e-border-2:rgba(200,168,74,.18);--e-border-3:rgba(200,168,74,.28);
  --t1:#E2D9CC;--t2:#B9B2A6;--t3:#8E8A83;--t4:#5E5C57;
  --ff-display:'Cormorant Garamond','Georgia',serif;
  --ff:'Inter',-apple-system,sans-serif;
  --r-sm:3px;--r-md:8px;--r-lg:14px;--r-xl:22px;--r-pill:999px;
  --cta-bg:#C8A84A;--cta-bg-hi:#E4C660;--cta-text:#050D17;
  --cta-shadow:0 4px 32px rgba(200,168,74,.38),0 1px 4px rgba(200,168,74,.22);
  --ease:cubic-bezier(.25,.46,.45,.94);
}
html{scroll-behavior:smooth}
body{background:var(--e0);color:var(--t1);font-family:var(--ff);font-size:16px;line-height:1.62;overflow-x:hidden;position:relative;-webkit-font-smoothing:antialiased}
body::before{content:'';position:fixed;inset:0;z-index:0;pointer-events:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='120' height='120' filter='url(%23n)' opacity='0.06'/%3E%3C/svg%3E");
  mix-blend-mode:overlay}
body::after{content:'';position:fixed;top:-15vh;left:50%;transform:translateX(-50%);width:900px;height:600px;
  background:radial-gradient(ellipse at center,rgba(200,168,74,.06) 0%,transparent 68%);
  pointer-events:none;z-index:0;mix-blend-mode:screen}
nav,header,main,footer{position:relative;z-index:1}
a{text-decoration:none;color:inherit}
::selection{background:rgba(200,168,74,.28);color:var(--t1)}

/* NAV */
nav#mainNav{position:fixed;top:0;left:0;right:0;z-index:100;display:flex;align-items:center;justify-content:space-between;padding:0 52px;height:64px;background:rgba(5,13,23,.92);backdrop-filter:blur(24px) saturate(140%);-webkit-backdrop-filter:blur(24px) saturate(140%);border-bottom:1px solid rgba(200,168,74,.12)}
.nav-logo{font-size:17px;font-weight:500;color:var(--t1);letter-spacing:-.01em}
.nav-logo span{color:var(--gold)}
.nav-back{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;font-weight:400;color:var(--t3);transition:color .2s}
.nav-back:hover{color:var(--gold)}
.nav-back svg{width:15px;height:15px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.nav-right{display:flex;align-items:center;gap:14px}
.nav-phone{display:inline-flex;align-items:center;gap:7px;font-size:13px;font-weight:500;color:var(--t2);margin-right:2px;padding:6px 12px;border-radius:var(--r-md);border:1px solid rgba(200,168,74,.15);transition:color .2s,border-color .2s,background .2s;white-space:nowrap}
.nav-phone svg{stroke:var(--gold);flex-shrink:0;fill:none}
.nav-phone:hover{color:var(--gold);border-color:rgba(200,168,74,.4);background:rgba(200,168,74,.06)}
.btn-primary{background:var(--cta-bg);color:var(--cta-text);font-family:var(--ff);font-size:13.5px;font-weight:600;padding:11px 24px;border-radius:var(--r-md);border:none;cursor:pointer;display:inline-flex;align-items:center;gap:9px;box-shadow:var(--cta-shadow);transition:background .22s,transform .18s var(--ease)}
.btn-primary:hover{background:var(--cta-bg-hi);transform:translateY(-2px)}

/* HEADER */
.legal-hero{padding:148px 52px 56px;max-width:1080px;margin:0 auto;position:relative}
.legal-hero::after{content:'';position:absolute;left:52px;right:52px;bottom:0;height:1px;background:linear-gradient(to right,var(--gold),transparent);opacity:.35}
.legal-eyebrow{display:inline-flex;align-items:center;gap:9px;border:1px solid rgba(200,168,74,.32);border-radius:var(--r-pill);padding:5px 16px 5px 12px;font-size:10.5px;font-weight:500;letter-spacing:.10em;color:var(--gold);text-transform:uppercase;margin-bottom:26px}
.legal-eyebrow-dot{width:5px;height:5px;border-radius:50%;background:var(--gold);flex-shrink:0}
.legal-title{font-family:var(--ff-display);font-size:clamp(40px,5.5vw,68px);font-weight:300;line-height:1.04;letter-spacing:-.025em;color:var(--t1);max-width:16ch}
.legal-title em{color:var(--gold);font-style:italic;font-weight:300}
.legal-meta{display:flex;flex-wrap:wrap;gap:10px 28px;margin-top:30px;font-size:12.5px;color:var(--t4)}
.legal-meta b{color:var(--t2);font-weight:500}
.legal-intro{font-size:16.5px;font-weight:300;color:var(--t3);line-height:1.8;max-width:74ch;margin-top:26px}

/* TOC + CONTENT LAYOUT */
.legal-wrap{max-width:1080px;margin:0 auto;padding:56px 52px 40px;display:grid;grid-template-columns:230px 1fr;gap:60px;align-items:start}
.legal-toc{position:sticky;top:96px}
.legal-toc h4{font-size:10px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-lo);margin-bottom:18px}
.legal-toc ol{list-style:none;counter-reset:toc;display:flex;flex-direction:column;gap:2px}
.legal-toc a{display:flex;gap:10px;padding:7px 10px;border-radius:var(--r-sm);font-size:12.5px;line-height:1.45;color:var(--t3);border-left:1px solid transparent;transition:color .2s,background .2s,border-color .2s}
.legal-toc a:hover{color:var(--t1);background:var(--gold-surface);border-left-color:var(--gold)}
.legal-toc a .num{color:var(--gold-lo);font-variant-numeric:tabular-nums;flex-shrink:0;font-weight:500}

.legal-content{min-width:0}
.legal-section{padding:0 0 44px;scroll-margin-top:90px}
.legal-section+.legal-section{border-top:1px solid var(--e-border-0);padding-top:44px}
.legal-section-head{display:flex;align-items:baseline;gap:16px;margin-bottom:22px}
.legal-num{font-family:var(--ff-display);font-size:30px;font-weight:300;font-style:italic;color:var(--gold);line-height:1;flex-shrink:0;min-width:1.4em}
.legal-section h2{font-family:var(--ff-display);font-size:clamp(24px,2.6vw,32px);font-weight:400;line-height:1.18;letter-spacing:-.01em;color:var(--t1)}
.legal-content p{font-size:15px;font-weight:300;color:var(--t2);line-height:1.85;margin-bottom:16px;max-width:78ch}
.legal-content p:last-child{margin-bottom:0}
.legal-content strong{color:var(--t1);font-weight:500}
.legal-content a:not(.nav-back):not(.btn-primary):not(.nav-phone){color:var(--gold);border-bottom:1px solid rgba(200,168,74,.3);transition:border-color .2s}
.legal-content a:not(.nav-back):not(.btn-primary):not(.nav-phone):hover{border-bottom-color:var(--gold)}
.legal-content ul{list-style:none;margin:0 0 18px;padding:0;display:flex;flex-direction:column;gap:10px;max-width:78ch}
.legal-content ul li{position:relative;padding-left:24px;font-size:15px;font-weight:300;color:var(--t2);line-height:1.78}
.legal-content ul li::before{content:'';position:absolute;left:4px;top:11px;width:6px;height:1px;background:var(--gold);opacity:.8}
.legal-content ul li strong{color:var(--t1);font-weight:500}
.sub-label{display:block;font-size:13px;font-weight:500;color:var(--t1);margin-bottom:3px}
.legal-content ul.purpose-list li{padding-left:24px}
.legal-content ul.purpose-list li::before{top:11px}
.basis{display:block;font-size:13px;color:var(--t4);font-style:italic;margin-top:2px;line-height:1.6}

/* CALLOUT (contact / effective date) */
.legal-callout{margin-top:8px;border:1px solid var(--e-border-2);border-radius:var(--r-lg);background:linear-gradient(180deg,rgba(200,168,74,.05),transparent);padding:26px 28px;display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between}
.legal-callout .lc-text{max-width:46ch}
.legal-callout .lc-text h3{font-family:var(--ff-display);font-size:22px;font-weight:400;color:var(--t1);margin-bottom:6px}
.legal-callout .lc-text p{font-size:14px;color:var(--t3);margin:0}
.legal-callout .lc-text a{color:var(--gold)}

/* FOOTER */
footer{background:var(--e0);border-top:1px solid var(--e-border-1);padding:64px 52px 36px;position:relative;z-index:1;margin-top:40px}
.footer-top{max-width:1080px;margin:0 auto 44px;display:grid;grid-template-columns:1.8fr 1fr 1fr;gap:48px}
.footer-logo{font-size:19px;font-weight:500;color:var(--t1);letter-spacing:-.01em;margin-bottom:10px}
.footer-logo span{color:var(--gold)}
.footer-tagline{font-size:12px;font-weight:300;color:var(--t4);line-height:1.75;margin-bottom:20px;max-width:260px}
.footer-contact{display:flex;flex-direction:column;gap:8px}
.footer-contact-item{display:flex;align-items:center;gap:8px;font-size:12.5px;color:var(--t4);transition:color .2s}
.footer-contact-item svg{stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
.footer-contact-item:hover{color:var(--t2)}
.footer-contact-gold{color:var(--gold)!important;font-weight:500}
.footer-col h4{font-size:10px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-lo);margin-bottom:18px}
.footer-col a{display:block;font-size:13px;color:var(--t4);margin-bottom:10px;transition:color .2s}
.footer-col a:hover{color:var(--gold)}
.footer-rule{height:1px;background:linear-gradient(to right,transparent,var(--gold),transparent);margin:0 auto 24px;max-width:1080px;opacity:.25}
.footer-bottom{max-width:1080px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}
.footer-copy{font-size:11px;color:var(--t4)}
.footer-bottom .fb-links{display:flex;gap:16px;align-items:center}
.footer-bottom .fb-links a{font-size:11px;color:var(--t4);transition:color .2s}
.footer-bottom .fb-links a:hover{color:var(--gold)}
.footer-bottom .fb-links span{color:var(--t4);font-size:11px}

@media(max-width:880px){
  nav#mainNav{padding:0 20px}
  .nav-phone span{display:none}
  .legal-hero{padding:128px 22px 44px}
  .legal-hero::after{left:22px;right:22px}
  .legal-wrap{grid-template-columns:1fr;gap:8px;padding:40px 22px 30px}
  .legal-toc{position:static;margin-bottom:24px;padding-bottom:24px;border-bottom:1px solid var(--e-border-0)}
  .legal-toc ol{display:grid;grid-template-columns:1fr 1fr;gap:2px}
  footer{padding:52px 22px 30px}
  .footer-top{grid-template-columns:1fr;gap:32px}
}
@media(max-width:560px){
  .nav-back span{display:none}
  .legal-toc ol{grid-template-columns:1fr}
  .legal-section-head{gap:12px}
}