/* =============================================================
   KREDYT KUPIECKI — Landing Page Styles
   Author: Kacper Gratowski
   ============================================================= */

/* --- Custom Properties ---------------------------------------- */
:root {
  --kc-navy:      #0c2340;
  --kc-navy-mid:  #143860;
  --kc-blue:      #1b4f9b;
  --kc-gold:      #c88c18;
  --kc-gold-lt:   #e8b235;
  --kc-text:      #1a2a3a;
  --kc-muted:     #5a6f85;
  --kc-bg:        #f3f6fb;
  --kc-white:     #ffffff;
  --kc-border:    #dbe3ef;
  --kc-shadow-sm: 0 2px 12px rgba(12, 35, 64, .07);
  --kc-shadow:    0 6px 28px rgba(12, 35, 64, .10);
  --kc-shadow-lg: 0 14px 48px rgba(12, 35, 64, .15);
  --kc-radius:    10px;
  --kc-radius-lg: 20px;
  --kc-ease:      .28s cubic-bezier(.4, 0, .2, 1);
}

/* --- Base ---------------------------------------------------- */
.kc {
  font-family: inherit;
  color: var(--kc-text);
  line-height: 1.65;
}

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

/* --- Wrapper ------------------------------------------------- */
.kc__wrap {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 28px;
}

/* --- Sections ----------------------------------------------- */
.kc__section {
  padding: 88px 0;
}

.kc__section--alt {
  background: var(--kc-bg);
}

/* --- Typography helpers ------------------------------------- */
.kc__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--kc-gold);
  margin-bottom: 14px;
}

.kc__eyebrow::before {
  content: '';
  display: block;
  width: 24px;
  height: 2px;
  background: var(--kc-gold);
  flex-shrink: 0;
}

.kc__h2 {
  font-size: clamp(1.75rem, 3.2vw, 2.5rem);
  font-weight: 800;
  line-height: 1.18;
  color: var(--kc-navy);
  margin: 0 0 18px;
}

.kc__h2--light {
  color: var(--kc-white);
}

.kc__lead {
  font-size: 1.05rem;
  color: var(--kc-muted);
  max-width: 540px;
  margin: 0;
}

.kc__micro {
  font-size: .875rem;
  color: var(--kc-muted);
  font-style: italic;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--kc-border);
  line-height: 1.6;
}

/* --- Buttons ------------------------------------------------ */
.kc-btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 15px 34px;
  font-size: .975rem;
  font-weight: 700;
  border-radius: var(--kc-radius);
  text-decoration: none !important;
  transition:
    background  var(--kc-ease),
    transform   var(--kc-ease),
    box-shadow  var(--kc-ease);
  cursor: pointer;
  border: none;
  white-space: nowrap;
  line-height: 1;
}

.kc-btn--gold {
  background: var(--kc-gold);
  color: var(--kc-white) !important;
  box-shadow: 0 4px 20px rgba(200, 140, 24, .38);
}

.kc-btn--gold:hover {
  background: var(--kc-gold-lt);
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(200, 140, 24, .44);
  color: var(--kc-white) !important;
}

.kc-btn--ghost {
  background: rgba(255, 255, 255, .1);
  color: var(--kc-white) !important;
  border: 1.5px solid rgba(255, 255, 255, .4);
}

.kc-btn--ghost:hover {
  background: rgba(255, 255, 255, .18);
  border-color: rgba(255, 255, 255, .7);
  color: var(--kc-white) !important;
  transform: translateY(-2px);
}

/* ============================================================
   HERO
   ============================================================ */
.kc-hero {
  position: relative;
  min-height: 660px;
  display: flex;
  align-items: center;
  background-image: url('https://images.unsplash.com/photo-1521791136064-7986c2920216?auto=format&fit=crop&w=1920&q=80');
  background-size: cover;
  background-position: center 38%;
  color: var(--kc-white);
  padding: 120px 0 96px;
  overflow: hidden;
}

.kc-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    115deg,
    rgba(12, 35, 64, .92) 0%,
    rgba(20, 56, 96, .76) 60%,
    rgba(27, 79, 155, .55) 100%
  );
}

.kc-hero__inner {
  position: relative;
  z-index: 1;
  max-width: 680px;
}

.kc-hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--kc-gold-lt);
  margin-bottom: 24px;
}

.kc-hero__eyebrow::before {
  content: '';
  display: block;
  width: 28px;
  height: 2px;
  background: var(--kc-gold-lt);
}

.kc-hero__h1 {
  font-size: 3rem;
  font-weight: 900;
  line-height: 1.08;
  margin: 0 0 22px;
  color: var(--kc-white);
  letter-spacing: -.01em;
}

.kc-hero__accent {
  color: var(--kc-gold-lt);
}

.kc-hero__sub {
  font-size: 1rem;
  color: rgba(255, 255, 255, .80);
  margin-bottom: 36px;
  max-width: 510px;
  line-height: 1.55;
}

.kc-hero__perks {
  list-style: none;
  padding: 0;
  margin: 0 0 44px;
  display: flex;
  flex-direction: column;
  gap: 13px;
}

.kc-hero__perks li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1rem;
  color: rgba(255, 255, 255, .88);
}

.kc-hero__perks li::before {
  content: '';
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background-color: var(--kc-gold);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='white'%3E%3Cpath fill-rule='evenodd' d='M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z' clip-rule='evenodd'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
  background-size: 13px;
}

.kc-hero__actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  align-items: center;
}

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.kc-steps {
  background: var(--kc-white);
}

.kc-steps__row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  margin-top: 52px;
}

.kc-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  position: relative;
  padding: 0 12px;
}

/* connector between steps */
.kc-step:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 32px;
  left: calc(50% + 34px);
  right: calc(-50% + 34px);
  height: 2px;
  background: linear-gradient(90deg, var(--kc-border) 0%, var(--kc-border) 100%);
  background-image: repeating-linear-gradient(
    90deg,
    var(--kc-border),
    var(--kc-border) 6px,
    transparent 6px,
    transparent 12px
  );
}

.kc-step__num {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  font-weight: 900;
  margin-bottom: 20px;
  position: relative;
  z-index: 1;
  flex-shrink: 0;
  transition: transform var(--kc-ease);
}

.kc-step:nth-child(1) .kc-step__num {
  background: linear-gradient(135deg, var(--kc-gold) 0%, var(--kc-gold-lt) 100%);
  color: var(--kc-white);
  box-shadow: 0 6px 20px rgba(200, 140, 24, .35);
}

.kc-step:nth-child(2) .kc-step__num,
.kc-step:nth-child(3) .kc-step__num,
.kc-step:nth-child(4) .kc-step__num {
  background: var(--kc-navy);
  color: var(--kc-white);
  box-shadow: 0 6px 20px rgba(12, 35, 64, .18);
}

.kc-step:hover .kc-step__num {
  transform: scale(1.06);
}

.kc-step__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--kc-navy);
  margin: 0 0 8px;
  line-height: 1.3;
}

.kc-step__desc {
  font-size: .875rem;
  color: var(--kc-muted);
  margin: 0;
  line-height: 1.55;
}

/* ============================================================
   FOR WHOM
   ============================================================ */
.kc-who {
  background: var(--kc-bg);
}

.kc-who__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 40px;
}

.kc-who__card {
  background: var(--kc-white);
  border-radius: var(--kc-radius-lg);
  padding: 32px 24px;
  box-shadow: var(--kc-shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: transform var(--kc-ease), box-shadow var(--kc-ease);
}

.kc-who__card:hover {
  transform: translateY(-5px);
  box-shadow: var(--kc-shadow-lg);
}

.kc-who__icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: rgba(12, 35, 64, .07);
  display: flex;
  align-items: center;
  justify-content: center;
}

.kc-who__icon svg {
  width: 26px;
  height: 26px;
  fill: var(--kc-navy);
}

.kc-who__card h3 {
  font-size: 1.025rem;
  font-weight: 700;
  color: var(--kc-navy);
  margin: 0;
  line-height: 1.3;
}

.kc-who__card p {
  font-size: .875rem;
  color: var(--kc-muted);
  margin: 0;
  line-height: 1.55;
}

/* ============================================================
   BENEFITS
   ============================================================ */
.kc-benefits {
  background: var(--kc-white);
}

.kc-benefits__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.kc-benefits__photo {
  border-radius: var(--kc-radius-lg);
  overflow: hidden;
  box-shadow: var(--kc-shadow-lg);
  aspect-ratio: 4 / 3;
}

.kc-benefits__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform .5s ease;
}

.kc-benefits__photo:hover img {
  transform: scale(1.03);
}

.kc-benefits__list {
  list-style: none;
  padding: 0;
  margin: 28px 0 0;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.kc-benefit {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.kc-benefit__icon {
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  border-radius: 11px;
  background: rgba(200, 140, 24, .12);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}

.kc-benefit__icon svg {
  width: 20px;
  height: 20px;
  fill: var(--kc-gold);
}

.kc-benefit__text strong {
  display: block;
  font-size: .975rem;
  font-weight: 700;
  color: var(--kc-navy);
  margin-bottom: 3px;
}

.kc-benefit__text span {
  font-size: .875rem;
  color: var(--kc-muted);
  line-height: 1.5;
}

/* ============================================================
   TERMS
   ============================================================ */
.kc-terms {
  background: var(--kc-navy);
  color: var(--kc-white);
  position: relative;
  overflow: hidden;
}

.kc-terms::before {
  content: '';
  position: absolute;
  right: -120px;
  top: -80px;
  width: 480px;
  height: 480px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .03);
  pointer-events: none;
}

.kc-terms__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
  position: relative;
  z-index: 1;
}

.kc-terms__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--kc-gold-lt);
  margin-bottom: 14px;
}

.kc-terms__eyebrow::before {
  content: '';
  display: block;
  width: 24px;
  height: 2px;
  background: var(--kc-gold-lt);
}

.kc-terms__list {
  list-style: none;
  padding: 0;
  margin: 24px 0 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.kc-terms__list li {
  display: flex;
  gap: 13px;
  align-items: flex-start;
  font-size: .975rem;
  color: rgba(255, 255, 255, .84);
  line-height: 1.55;
}

.kc-terms__list li::before {
  content: '';
  flex-shrink: 0;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--kc-gold);
  margin-top: 8px;
}

.kc-terms__micro {
  font-size: .875rem;
  color: rgba(255, 255, 255, .5);
  font-style: italic;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, .14);
  line-height: 1.6;
}

.kc-terms__callout {
  background: rgba(255, 255, 255, .06);
  border: 1px solid rgba(255, 255, 255, .13);
  border-radius: var(--kc-radius-lg);
  padding: 28px 30px;
}

.kc-terms__callout + .kc-terms__callout {
  margin-top: 16px;
}

.kc-terms__callout-label {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--kc-gold-lt);
  margin-bottom: 10px;
  display: block;
}

.kc-terms__callout p {
  font-size: .925rem;
  color: rgba(255, 255, 255, .78);
  margin: 0 0 8px;
  line-height: 1.6;
}

.kc-terms__callout p:last-child {
  margin-bottom: 0;
}

.kc-terms__callout a {
  color: var(--kc-gold-lt);
  font-weight: 600;
  text-decoration: none;
  transition: opacity var(--kc-ease);
}

.kc-terms__callout a:hover {
  opacity: .75;
}

/* ============================================================
   FAQ
   ============================================================ */
.kc-faq {
  background: var(--kc-bg);
}

.kc-faq__list {
  margin-top: 44px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  max-width: 800px;
}

.kc-faq__item {
  background: var(--kc-white);
  border-radius: var(--kc-radius);
  box-shadow: var(--kc-shadow-sm);
  overflow: hidden;
}

.kc-faq__item summary {
  list-style: none;
  cursor: pointer;
  padding: 22px 26px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--kc-navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  transition: background var(--kc-ease);
  user-select: none;
  -webkit-user-select: none;
}

.kc-faq__item summary::-webkit-details-marker {
  display: none;
}

.kc-faq__item summary::after {
  content: '';
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%230c2340'%3E%3Cpath fill-rule='evenodd' d='M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z' clip-rule='evenodd'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
  background-size: 18px;
  transition: transform var(--kc-ease);
}

.kc-faq__item[open] > summary {
  background: rgba(12, 35, 64, .04);
  color: var(--kc-blue);
}

.kc-faq__item[open] > summary::after {
  transform: rotate(180deg);
}

.kc-faq__item summary:hover {
  background: rgba(12, 35, 64, .04);
}

.kc-faq__body {
  padding: 0 26px 22px;
  font-size: .945rem;
  color: var(--kc-muted);
  line-height: 1.65;
}

/* ============================================================
   FINAL CTA
   ============================================================ */
.kc-cta {
  background: linear-gradient(135deg, var(--kc-navy) 0%, var(--kc-blue) 100%);
  color: var(--kc-white);
  text-align: center;
  padding: 100px 28px;
  position: relative;
  overflow: hidden;
}

.kc-cta::before,
.kc-cta::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  background: rgba(255, 255, 255, .035);
}

.kc-cta::before {
  width: 500px;
  height: 500px;
  bottom: -220px;
  left: -120px;
}

.kc-cta::after {
  width: 380px;
  height: 380px;
  top: -160px;
  right: -80px;
}

.kc-cta__inner {
  position: relative;
  z-index: 1;
}

.kc-cta__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--kc-gold-lt);
  margin-bottom: 18px;
}

.kc-cta__eyebrow::before {
  content: '';
  display: block;
  width: 24px;
  height: 2px;
  background: var(--kc-gold-lt);
}

.kc-cta__h2 {
  font-size: clamp(1.7rem, 3.2vw, 2.5rem);
  font-weight: 800;
  color: var(--kc-white);
  margin: 0 0 14px;
  line-height: 1.2;
}

.kc-cta__sub {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, .70);
  margin-bottom: 0;
}

.kc-cta__divider {
  width: 48px;
  height: 3px;
  background: var(--kc-gold);
  border-radius: 2px;
  margin: 28px auto;
}

.kc-cta__contacts {
  display: flex;
  justify-content: center;
  gap: 18px;
  flex-wrap: wrap;
}

.kc-cta__link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 15px 30px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--kc-white) !important;
  text-decoration: none !important;
  background: rgba(255, 255, 255, .1);
  border: 1.5px solid rgba(255, 255, 255, .24);
  border-radius: var(--kc-radius);
  transition: background var(--kc-ease), transform var(--kc-ease), border-color var(--kc-ease);
}

.kc-cta__link:hover {
  background: rgba(255, 255, 255, .18);
  border-color: rgba(255, 255, 255, .55);
  transform: translateY(-2px);
}

.kc-cta__link svg {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .kc-steps__row {
    grid-template-columns: repeat(2, 1fr);
    gap: 40px 24px;
  }

  .kc-step:not(:last-child)::after {
    display: none;
  }

  .kc-who__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .kc-benefits__inner,
  .kc-terms__inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .kc-benefits__photo {
    aspect-ratio: 16 / 9;
  }
}

@media (max-width: 640px) {
  .kc__section {
    padding: 60px 0;
  }

  .kc-hero {
    min-height: auto;
    padding: 80px 0 64px;
  }

  .kc-steps__row,
  .kc-who__grid {
    grid-template-columns: 1fr;
  }

  .kc-cta {
    padding: 72px 24px;
  }

  .kc-cta__contacts {
    flex-direction: column;
    align-items: center;
  }

  .kc-cta__link {
    width: 100%;
    max-width: 320px;
    justify-content: center;
  }
}