/* ==========================================================================
   POF Kalkulator Refinansowania – Front-end CSS
   Kolory bazowane na palecie Pani od Kredytów (fiolet #7b4f9e + złoto #c8a951)
   ========================================================================== */

:root {
    --pok-purple:       #c41673;
    --pok-purple-light: #fce8f4;
    --pok-purple-dark:  #9a1058;
    --pok-navy:         #1b2c55;
    --pok-gradient:     linear-gradient(135deg, #c41673 0%, #1b2c55 100%);
    --pok-gradient-hover: linear-gradient(135deg, #9a1058 0%, #14203f 100%);
    --pok-gold:         #c8a951;
    --pok-green:        #2e7d32;
    --pok-red:          #c62828;
    --pok-gray:         #f7f7f7;
    --pok-border:       #e0e0e0;
    --pok-text:         #1a1a1a;
    --pok-text-light:   #666;
    --pok-radius:       10px;
    --pok-shadow:       0 2px 16px rgba(196,22,115,0.10);
}

/* ===== Wrapper ===== */
.pok-kalkulator {
    max-width: 820px;
    width: 100%;
    margin: 0 auto;
    padding: 0 16px;
    box-sizing: border-box;
    font-family: inherit;
    color: var(--pok-text);
}

/* ===== Intro / opis kalkulatora ===== */
.pok-intro {
    background: linear-gradient(135deg, var(--pok-purple-light) 0%, #f0f4ff 100%);
    border: 1px solid rgba(196,22,115,0.15);
    border-radius: var(--pok-radius);
    margin-bottom: 28px;
    overflow: hidden;
}

.pok-intro__toggle {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: none;
    border: none;
    cursor: pointer;
    padding: 18px 24px;
    text-align: left;
    gap: 12px;
}

.pok-intro__toggle-label {
    font-size: 17px;
    font-weight: 700;
    color: var(--pok-navy);
    line-height: 1.3;
}

.pok-intro__toggle-icon {
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--pok-gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 12px;
    transition: transform 0.25s;
}

.pok-intro[data-locked] .pok-intro__toggle {
    cursor: default;
}

.pok-intro__content {
    padding: 0 24px 20px;
}

.pok-intro__title {
    display: none; /* tytuł teraz w toggle */
}

.pok-intro__body {
    font-size: 15px;
    font-weight: 500;
    color: var(--pok-text);
    line-height: 1.7;
    margin: 0 0 18px;
}
.pok-intro__body p { margin: 0; }

.pok-intro__feats {
    margin: 0;
    padding: 0;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px 16px;
    align-items: start;
    opacity: 0;
    transition: opacity .2s ease;
}
.pok-intro__feats--ready {
    opacity: 1;
}


.pok-intro__feat {
    display: flex;
    flex-direction: column;
    justify-content: center;
    background: #fff;
    border-radius: 8px;
    padding: 10px 14px;
    box-shadow: 0 1px 4px rgba(0,0,0,0.06);
    transition: box-shadow .2s;
}
.pok-intro__feat--has-desc {
    cursor: pointer;
}
.pok-intro__feat--has-desc:hover {
    box-shadow: 0 2px 10px rgba(0,0,0,0.10);
}
.pok-intro__feat--expanded {
    box-shadow: 0 2px 12px rgba(0,0,0,0.11);
}

.pok-intro__feat-header {
    display: flex;
    align-items: center;
    gap: 10px;
    flex: 1;
}

.pok-intro__feat-arrow {
    margin-left: auto;
    flex-shrink: 0;
    color: var(--pok-purple);
    font-size: 12px;
    transition: transform .25s ease;
}
.pok-intro__feat--expanded .pok-intro__feat-arrow {
    transform: rotate(180deg);
}

.pok-intro__feat-icon {
    flex-shrink: 0;
    width: 34px;
    height: 34px;
    border-radius: 50%;
    background: var(--pok-gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 14px;
}

.pok-intro__feat-text {
    font-size: 13.5px;
    color: var(--pok-text);
    line-height: 1.4;
    font-weight: 500;
}

.pok-intro__feat-desc {
    max-height: 0;
    overflow: hidden;
    opacity: 0;
    font-size: 13.5px;
    color: var(--pok-text);
    line-height: 1.65;
    margin-top: 0;
    padding-top: 0;
    border-top: 1px solid transparent;
    transition: max-height .3s ease, opacity .3s ease, margin-top .3s ease, padding-top .3s ease, border-color .3s ease;
}
.pok-intro__feat--expanded .pok-intro__feat-desc {
    max-height: 1200px;
    opacity: 1;
    margin-top: 10px;
    padding-top: 10px;
    border-top-color: rgba(0,0,0,0.07);
}

/* ===== FAQ button ===== */
.pok-intro__faq-wrap {
    text-align: center;
    margin-top: 20px;
}
.pok-faq-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: var(--pok-purple);
    border: none;
    color: #fff;
    border-radius: 6px;
    padding: 10px 24px;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: background .2s, transform .1s;
}
.pok-faq-btn:hover { background: var(--pok-purple-dark); }
.pok-faq-btn:active { transform: scale(.98); }

/* ===== Legal disclaimer ===== */
.pok-legal-disclaimer {
    font-size: 12px;
    color: var(--pok-navy);
    background: #eef1f8;
    border-left: 3px solid var(--pok-navy);
    border-radius: 0 4px 4px 0;
    padding: 8px 12px;
    margin-top: 14px;
    line-height: 1.5;
}
.pok-legal-disclaimer p { margin: 0; }

/* ===== FAQ accordion (inline, pod kalkulatorem) ===== */
.pok-faq-section {
    max-width: 820px;
    width: 100%;
    margin: 32px auto 0;
    padding: 0 16px;
    box-sizing: border-box;
}
.pok-faq-section__title {
    font-size: 18px;
    font-weight: 700;
    color: var(--pok-navy);
    margin: 0 0 14px;
    display: flex;
    align-items: center;
    gap: 8px;
}
.pok-faq-section__title i { color: var(--pok-purple); }
.pok-faq-accordion__item {
    border: 1px solid #dde2ef;
    border-radius: var(--pok-radius);
    margin-bottom: 8px;
    overflow: hidden;
}
.pok-faq-accordion__toggle {
    width: 100%;
    text-align: left;
    background: #eef1f8;
    border: none;
    padding: 13px 16px;
    font-size: 14px;
    font-weight: 600;
    color: var(--pok-navy);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    line-height: 1.4;
}
.pok-faq-accordion__toggle:hover { background: #e4e9f5; }
.pok-faq-accordion__item.is-open > .pok-faq-accordion__toggle {
    background: var(--pok-purple);
    color: #fff;
}
.pok-faq-accordion__chevron {
    flex-shrink: 0;
    transition: transform 0.25s ease;
}
.pok-faq-accordion__item.is-open .pok-faq-accordion__chevron { transform: rotate(180deg); }
.pok-faq-accordion__body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
    background: #fff;
}
.pok-faq-accordion__inner {
    padding: 14px 16px;
    font-size: 14px;
    line-height: 1.7;
    color: #333;
}
.pok-faq-accordion__inner p { margin: 0 0 10px; }
.pok-faq-accordion__inner p:last-child { margin-bottom: 0; }
.pok-faq-accordion__inner ul { padding-left: 20px; margin: 4px 0 10px; }
.pok-faq-accordion__inner strong { color: var(--pok-navy); }

@media (max-width: 767px) {
    .pok-faq-section {
        margin-top: 24px;
    }
    .pok-faq-section__title {
        font-size: 16px;
    }
    .pok-faq-accordion__toggle {
        font-size: 13px;
        padding: 11px 14px;
    }
    .pok-faq-accordion__inner {
        font-size: 13px;
        padding: 12px 14px;
    }
}

@media (max-width: 480px) {
    .pok-faq-section {
        padding: 0 8px;
    }
    .pok-faq-accordion__toggle {
        font-size: 13px;
        padding: 10px 12px;
        gap: 8px;
    }
    .pok-faq-accordion__inner {
        padding: 10px 12px;
    }
}

/* ===== FAQ modal ===== */
.pok-faq-modal {
    display: none;
    position: fixed;
    inset: 0;
    z-index: 99999;
    background: rgba(0,0,0,0.55);
    overflow-y: auto;
    padding: 12px;
    box-sizing: border-box;
}
.pok-faq-modal--open {
    display: flex;
    align-items: flex-start;
    justify-content: center;
}
.pok-faq-modal__inner {
    background: #fff;
    border-radius: 10px;
    width: 100%;
    max-width: 680px;
    margin: 80px auto 20px;
    padding: 20px 22px 24px;
    box-sizing: border-box;
    position: relative;
}
.pok-faq-modal__close {
    position: absolute;
    top: 10px;
    right: 14px;
    background: none;
    border: none;
    font-size: 22px;
    line-height: 1;
    cursor: pointer;
    color: #888;
    padding: 2px 6px;
}
.pok-faq-modal__close:hover { color: #333; }
.pok-faq-modal__title {
    font-size: 17px;
    font-weight: 700;
    color: var(--pok-text);
    margin: 0 32px 14px 0;
    padding: 0;
}
.pok-faq-modal__content {
    font-size: 14px;
    line-height: 1.7;
    color: var(--pok-text);
}

/* Pytania – ol z jednym li zawierającym bold */
.pok-faq-modal__content ol {
    list-style: none;
    margin: 18px 0 4px;
    padding: 0;
}
.pok-faq-modal__content ol:first-child { margin-top: 0; }
.pok-faq-modal__content ol li {
    display: flex;
    align-items: baseline;
    gap: 8px;
    font-size: 15px;
    font-weight: 700;
    color: var(--pok-navy);
    line-height: 1.4;
    margin-bottom: 6px;
}
.pok-faq-modal__content ol li::before {
    content: counter(faq-counter) ".";
    counter-increment: faq-counter;
    color: var(--pok-purple);
    font-size: 15px;
    font-weight: 700;
    flex-shrink: 0;
}
.pok-faq-modal__content ol li strong {
    font-weight: 700;
}

/* Reset licznika na całym contencie */
.pok-faq-modal__content {
    counter-reset: faq-counter;
}

/* Odpowiedź – tekst między ol-ami */
.pok-faq-modal__content p {
    margin: 0 0 10px;
}

/* Usuń nadmiarowy   ze strong używanych jako odstęp */
.pok-faq-modal__content > strong:first-child,
.pok-faq-modal__content strong:empty {
    display: none;
}

/* Lista punktowana w odpowiedzi */
.pok-faq-modal__content ul {
    list-style: none;
    margin: 4px 0 12px;
    padding: 0;
}
.pok-faq-modal__content ul li {
    position: relative;
    padding-left: 16px;
    margin-bottom: 4px;
    font-size: 14px;
    color: var(--pok-text);
    font-weight: 400;
    border: none;
    display: block;
}
.pok-faq-modal__content ul li::before {
    content: "–";
    position: absolute;
    left: 0;
    color: var(--pok-purple);
    font-weight: 700;
}

/* Nagłówki z edytora */
.pok-faq-modal__content h2,
.pok-faq-modal__content h3 {
    font-size: 15px;
    font-weight: 700;
    margin: 14px 0 4px;
    color: var(--pok-purple);
}

@media (max-width: 560px) {
    .pok-intro__toggle {
        padding: 14px 18px;
    }
    .pok-intro__content {
        padding: 0 18px 16px;
    }
    .pok-intro__feats {
        grid-template-columns: 1fr;
    }
    .pok-faq-modal__inner {
        margin-top: 60px;
        padding: 16px 14px 20px;
    }
}

/* ===== Kroki ===== */
.pok-step {
    background: #fff;
    border: 1px solid var(--pok-border);
    border-radius: var(--pok-radius);
    margin-bottom: 16px;
    box-shadow: var(--pok-shadow);
    transition: opacity .3s;
}

.pok-step:not(.pok-step--active) .pok-step__body {
    display: none;
}

.pok-step--done .pok-step__header {
    background: var(--pok-purple-light);
}

.pok-step--active .pok-step__header {
    background: var(--pok-gradient);
}

.pok-step--active .pok-step__title,
.pok-step--active .pok-step__number {
    color: #fff;
}

.pok-step__header {
    display: flex;
    align-items: center;
    padding: 14px 20px;
    background: #f0f0f0;
    border-radius: var(--pok-radius) var(--pok-radius) 0 0;
    transition: background .3s;
}

.pok-step__number {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: #fff;
    border: 2px solid var(--pok-purple);
    color: var(--pok-purple);
    font-weight: 700;
    font-size: 15px;
    margin-right: 12px;
    flex-shrink: 0;
    transition: all .3s;
}

.pok-step--active .pok-step__number {
    background: rgba(255,255,255,.3);
    border-color: transparent;
    color: #fff;
}

.pok-step__title {
    margin: 0 !important;
    font-size: 17px;
    font-weight: 700;
    color: var(--pok-purple);
}

.pok-step__body {
    padding: 24px 20px;
}

/* ===== Pola formularza ===== */
.pok-fields {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px 24px;
}

@media (max-width: 767px) {
    .pok-fields { grid-template-columns: 1fr; }
}

.pok-field {
    display: flex;
    flex-direction: column;
    gap: 5px;
}

.pok-field label {
    font-size: 13px;
    font-weight: 600;
    color: var(--pok-text);
}

.pok-field input[type="number"],
.pok-field input[type="text"],
.pok-field input[type="email"],
.pok-field select {
    padding: 9px 12px;
    border: 1.5px solid var(--pok-border);
    border-radius: 6px;
    font-size: 15px;
    color: var(--pok-text);
    background: #fff;
    transition: border-color .2s;
    width: 100%;
    box-sizing: border-box;
}

.pok-field input:focus,
.pok-field select:focus {
    outline: none;
    border-color: var(--pok-purple);
    box-shadow: 0 0 0 3px rgba(196,22,115,.12);
}

.pok-input--error {
    border-color: var(--pok-red) !important;
}

.pok-field__error {
    font-size: 12px;
    color: var(--pok-red);
}

.pok-field__hint {
    font-size: 12px;
    color: var(--pok-text-light);
    line-height: 1.4;
}

.pok-required { color: var(--pok-red); }
.pok-optional { font-size: 11px; color: var(--pok-text-light); font-weight: 400; }

.pok-radio-group {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.pok-radio {
    display: inline-flex;
    align-items: center;
    padding: 8px 18px;
    border: 2px solid #ecbed6;
    border-radius: 6px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    background: #fff;
    color: var(--pok-text);
    transition: all .2s;
    user-select: none;
}

.pok-radio input[type="radio"] {
    position: absolute;
    opacity: 0;
    width: 0;
    height: 0;
    pointer-events: none;
}

.pok-radio:has(input[type="radio"]:checked) {
    background: var(--pok-purple);
    color: #fff;
    border-color: var(--pok-purple);
}

.pok-radio:hover:not(:has(input[type="radio"]:checked)) {
    border-color: var(--pok-purple);
    color: var(--pok-purple);
}

/* Koszty */
.pok-cost-field { grid-column: span 1; min-width: 0; }
.pok-costs-total { grid-column: span 2; font-size: 15px; padding-top: 4px; }
@media (max-width: 767px) {
    .pok-fields.pok-costs { grid-template-columns: 1fr 1fr; gap: 10px 12px; }
}

.pok-input-suffix-wrap {
    display: flex;
    align-items: center;
    gap: 6px;
}
.pok-input-suffix-wrap input {
    flex: 1;
    min-width: 0;
    width: auto !important;
}
.pok-input-suffix {
    font-size: 14px;
    color: var(--pok-text-light);
    white-space: nowrap;
    flex-shrink: 0;
}
.pok-info { font-size: 13px; color: var(--pok-text-light); margin: 0 0 12px; }

/* Tooltip */
.pok-tooltip {
    position: relative;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 16px;
    height: 16px;
    border-radius: 50%;
    background: var(--pok-purple-light);
    color: var(--pok-purple);
    font-size: 11px;
    font-weight: 700;
    cursor: pointer;
    margin-left: 4px;
    vertical-align: middle;
}

.pok-tooltip::after {
    content: attr(data-tooltip);
    position: absolute;
    bottom: calc(100% + 8px);
    left: 50%;
    transform: translateX(-50%);
    background: #222;
    color: #fff;
    font-size: 12px;
    font-weight: 400;
    line-height: 1.5;
    padding: 7px 11px;
    border-radius: 6px;
    width: max-content;
    max-width: 260px;
    white-space: normal;
    z-index: 9999;
    opacity: 0;
    pointer-events: none;
    transition: opacity .2s;
    box-shadow: 0 2px 8px rgba(0,0,0,.2);
}

.pok-tooltip::before {
    content: '';
    position: absolute;
    bottom: calc(100% + 2px);
    left: 50%;
    transform: translateX(-50%);
    border: 5px solid transparent;
    border-top-color: #222;
    z-index: 9999;
    opacity: 0;
    pointer-events: none;
    transition: opacity .2s;
}

.pok-tooltip:hover::after,
.pok-tooltip:hover::before {
    opacity: 1;
}

/* Na urządzeniach dotykowych CSS hover wyłączony – obsługuje JS */
.pok-has-touch .pok-tooltip::after,
.pok-has-touch .pok-tooltip::before { display: none !important; }

/* Ukryj CSS tooltip gdy aktywny jest JS div (fallback dla desktop) */
.pok-tooltip--js::after,
.pok-tooltip--js::before { display: none !important; }

/* Na mobile hover nie działa – obsługuje JS */
@media (hover: none) {
    .pok-tooltip::after,
    .pok-tooltip::before { display: none !important; }
}

/* Mobilny babelek (position:fixed, obsługiwany przez JS) */
#pok-tt {
    position: fixed;
    background: #222;
    color: #fff;
    font-size: 13px;
    font-weight: 400;
    line-height: 1.5;
    padding: 8px 12px;
    border-radius: 7px;
    max-width: calc(100vw - 24px);
    white-space: normal;
    z-index: 99999;
    box-shadow: 0 3px 12px rgba(0,0,0,.28);
    display: none;
    pointer-events: none;
}

/* ===== Przyciski ===== */
.pok-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 10px 24px;
    border: none;
    border-radius: 6px;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: background .2s, transform .1s;
    text-decoration: none;
}

.pok-btn:active { transform: scale(.98); }

.pok-btn--next,
.pok-btn--calculate {
    background: var(--pok-purple);
    color: #fff;
    margin-top: 20px;
}

.pok-btn--next:hover,
.pok-btn--calculate:hover { background: var(--pok-purple-dark); }

.pok-btn--back {
    background: #eee;
    color: var(--pok-text);
    margin-top: 20px;
    margin-right: 10px;
}

.pok-btn--back:hover { background: #ddd; }

.pok-pdf-section {
    text-align: center;
    margin: 32px 0 28px;
}

.pok-btn--pdf {
    background: var(--pok-purple);
    color: #fff;
    padding: 11px 28px;
    font-size: 15px;
}
.pok-btn--pdf i { margin-right: 7px; }

.pok-btn--pdf:hover { background: var(--pok-purple-dark); }

.pok-btn--pdf--locked {
    opacity: 0.45;
    cursor: not-allowed;
    filter: grayscale(40%);
}
.pok-btn--pdf--locked:hover { background: var(--pok-purple); }

.pok-pdf-locked-hint {
    margin: 8px 0 0;
    font-size: 13px;
    color: #777;
}

.pok-btn--email {
    background: #2e7d32;
    color: #fff;
    padding: 11px 28px;
    gap: 8px;
}

.pok-btn--email:hover { background: #1b5e20; }
.pok-btn--email:disabled { background: #9e9e9e; cursor: default; pointer-events: none; }

.pok-btn--cta {
    background: #fce8f4;
    color: var(--pok-purple) !important;
    border: 2px solid var(--pok-purple);
    padding: 14px 36px;
    font-size: 16px;
    border-radius: 8px;
    text-decoration: none;
    display: inline-block;
    font-weight: 700;
}

.pok-btn--cta:hover {
    background: #f5cde8;
    color: var(--pok-purple-dark) !important;
    border-color: var(--pok-purple-dark);
}

.pok-btn--recalculate {
    background: transparent;
    color: var(--pok-purple);
    border: 1.5px solid var(--pok-purple);
    margin-top: 24px;
    font-size: 14px;
    padding: 8px 20px;
}

.pok-step__title { padding-bottom: 0 !important; }
.pok-btn-row { display: flex; align-items: center; flex-wrap: wrap; gap: 12px; }
.pok-date-note { font-size: 12px; font-weight: 400; color: var(--pok-text-light); }
.pok-bank-card__date {
    font-size: 11px;
    color: var(--pok-text-light);
    margin-top: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 4px;
    opacity: .8;
}

.pok-field__hint--disclaimer {
    display: block;
    color: var(--pok-navy);
    background: #eef1f8;
    border-left: 3px solid var(--pok-navy);
    border-radius: 0 4px 4px 0;
    padding: 6px 10px;
    margin-top: 6px;
    font-size: 12px;
    line-height: 1.5;
}
.pok-field__hint--disclaimer i { margin-right: 5px; }

/* Slot AJAX (stopa / oferty) – stack, nie inline obok siebie */
.pok-hydrate-slot {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 6px;
    width: 100%;
    min-width: 0;
}
.pok-hydrate-slot > .pok-field__hint {
    display: block;
    width: 100%;
}

/* Statyczny wyświetlacz uśrednionej stopy referencyjnej */
.pok-ref-rate-display {
    display: inline-flex;
    align-items: center;
    padding: 0 12px;
    height: 40px;
    background: var(--pok-bg);
    border: 1.5px solid var(--pok-border);
    border-radius: 6px;
    font-size: 15px;
    font-weight: 600;
    color: var(--pok-navy);
    letter-spacing: 0.02em;
    min-width: 90px;
}

.pok-hydrate-placeholder {
    display: inline-block;
    padding: 10px 0;
    font-size: 13px;
    color: var(--pok-muted, #888);
}
.pok-hydrate-placeholder--error {
    color: #b00020;
}

.pok-disclaimer {
    font-size: 12px;
    color: var(--pok-navy);
    background: #eef1f8;
    border-left: 3px solid var(--pok-navy);
    border-radius: 0 4px 4px 0;
    padding: 8px 12px !important;
    margin-top: 12px;
    line-height: 1.5;
}
.pok-disclaimer i { margin-right: 5px; }

/* ===== Loader ===== */
.pok-loader {
    text-align: center;
    padding: 40px;
}

.pok-loader__spinner {
    width: 48px;
    height: 48px;
    border: 5px solid var(--pok-purple-light);
    border-top-color: var(--pok-purple);
    border-radius: 50%;
    animation: pok-spin .7s linear infinite;
    margin: 0 auto 12px;
}

@keyframes pok-spin { to { transform: rotate(360deg); } }

/* ===== Error ===== */
.pok-error {
    background: #ffebee;
    border-left: 4px solid var(--pok-red);
    padding: 12px 16px;
    border-radius: 6px;
    font-size: 14px;
    color: var(--pok-red);
    margin-top: 12px;
}

/* ===== Wyniki ===== */
.pok-results {
    margin-top: 24px;
}

.pok-results__header h2 {
    font-size: 22px;
    margin: 0 0 20px;
    background: var(--pok-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* Obecny kredyt – podsumowanie */
.pok-results__current,
.pok-results__new,
.pok-bank-offers,
.pok-email-section,
.pok-cta {
    background: #fff;
    border: 1px solid var(--pok-border);
    border-radius: var(--pok-radius);
    padding: 24px;
    margin-bottom: 20px;
    box-shadow: var(--pok-shadow);
}

.pok-results__current h3,
.pok-results__new h3,
.pok-bank-offers h3,
.pok-email-section h3 {
    font-size: 16px;
    color: var(--pok-purple);
    margin: 0 0 16px !important;
    border-bottom: 2px solid var(--pok-purple-light);
    padding-bottom: 8px;
}

.pok-results__grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
    gap: 12px;
}

.pok-summary-card {
    background: var(--pok-gray);
    border-radius: 8px;
    padding: 12px;
    text-align: center;
}

.pok-summary-card.highlight {
    background: var(--pok-purple-light);
    border: 1.5px solid var(--pok-purple);
}

.pok-summary-label {
    display: block;
    font-size: 11px;
    color: var(--pok-text-light);
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: .04em;
}

.pok-summary-value {
    display: block;
    font-size: 16px;
    font-weight: 700;
    color: var(--pok-text);
}

/* Zakładki */
.pok-tabs,
.pok-bank-tabs {
    display: flex;
    gap: 8px;
    margin-bottom: 16px;
    flex-wrap: wrap;
}

.pok-tab,
.pok-bank-tab {
    padding: 8px 20px;
    border: 1.5px solid var(--pok-purple);
    border-radius: 20px;
    background: #fff;
    color: var(--pok-purple);
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    transition: all .2s;
}

.pok-tab--active,
.pok-bank-tab--active {
    background: var(--pok-purple);
    border-color: transparent;
    color: #fff;
}

.pok-tab-content,
.pok-bank-tab-content {
    display: none;
}

.pok-tab-content--active,
.pok-bank-tab-content--active {
    display: block;
}

/* Karty wariantów */
.pok-variant-card {
    border: 1.5px solid var(--pok-border);
    border-radius: 10px;
    padding: 20px;
    margin-bottom: 14px;
}

.pok-variant-card--good { border-color: #a5d6a7; background: #f9fff9; }
.pok-variant-card--bad  { border-color: #ffcdd2; background: #fff9f9; }
.pok-variant-card--keep { border-color: #90caf9; background: #f0f7ff; }

.pok-variant-card__title {
    font-size: 14px;
    margin-bottom: 8px;
}

.pok-variant-card__scenario-label {
    font-size: 12px;
    font-weight: 600;
    color: var(--pok-text-light);
    text-transform: uppercase;
    letter-spacing: .4px;
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 5px;
}

.pok-variant-card__badge {
    display: inline-block;
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 13px;
    font-weight: 600;
    margin-bottom: 14px;
}

.pok-badge--good { background: #e8f5e9; color: var(--pok-green); }
.pok-badge--bad  { background: #ffebee; color: var(--pok-red); }

.pok-result-row {
    display: flex;
    justify-content: space-between;
    font-size: 14px;
    padding: 6px 0;
    border-bottom: 1px solid #f0f0f0;
}

.pok-result-row:last-child { border-bottom: none; }

.pok-result-row--big {
    font-size: 16px;
    font-weight: 700;
}

.pok-saving { color: var(--pok-green); font-weight: 600; }
.pok-loss   { color: var(--pok-red);   font-weight: 600; }

.pok-no-data {
    color: var(--pok-text-light);
    font-style: italic;
    font-size: 14px;
}

/* Oferty banków */
.pok-bank-ref-select-wrap {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 14px;
    flex-wrap: wrap;
}
.pok-bank-ref-label {
    font-size: 13.5px;
    font-weight: 600;
    color: var(--pok-text);
    white-space: nowrap;
}
.pok-bank-ref-select {
    border: 1.5px solid var(--pok-border);
    border-radius: 6px;
    padding: 5px 10px;
    font-size: 13.5px;
    color: var(--pok-text);
    background: #fff;
    cursor: pointer;
}
.pok-bank-ref-select:focus {
    border-color: var(--pok-purple);
    outline: none;
}
.pok-bank-offers-disclaimer {
    margin-top: 12px;
    font-size: 12px;
    color: var(--pok-text-light);
}

.pok-bank-cards {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
    gap: 14px;
}

.pok-bank-card {
    background: var(--pok-purple-light);
    border: 1.5px solid var(--pok-purple);
    border-radius: 10px;
    padding: 16px;
    text-align: center;
}

.pok-bank-card__name {
    font-weight: 700;
    font-size: 15px;
    color: var(--pok-purple-dark);
    margin-bottom: 6px;
}

.pok-bank-card__rate {
    font-size: 26px;
    font-weight: 800;
    color: var(--pok-purple);
    margin-bottom: 4px;
    line-height: 1.4;
}

/* Zmienne: marża duża, reszta (ref + suma) mniejsza */
.pok-bank-tab-content[data-tab="variable"] .pok-bank-card__rate {
    font-size: 14px;
    font-weight: 600;
}

.pok-bank-tab-content[data-tab="variable"] .pok-bank-card__rate strong {
    font-size: 26px;
    font-weight: 800;
    display: block;
    margin-bottom: 2px;
}

.pok-bank-card__ref {
    font-size: 11px;
    color: var(--pok-text-light);
    margin-bottom: 4px;
}

.pok-bank-card__desc {
    font-size: 12px;
    color: var(--pok-text-light);
    margin-top: 6px;
}

/* Oferty banków w kroku 2 (inline, kompaktowe) */
.pok-step2-offers {
    padding: 0 16px;
    background: transparent;
    border: none;
    border-radius: 0;
    margin-bottom: 8px;
}

.pok-step2-disclaimer {
    margin-top: 4px;
    margin-bottom: 4px;
    font-size: 12px;
}

#pok-bank-offers-disclaimer {
    margin-top: 20px;
}

.pok-step2-offers__title {
    font-size: 13px;
    font-weight: 600;
    color: var(--pok-purple-dark);
    margin: 0 0 10px;
}

/* Tryb zmienny: karty stackowane pionowo w obu kolumnach */
.pok-bank-cards--step2 {
    grid-template-columns: 1fr;
    gap: 8px;
}

/* Tryb stały (current=fixed): karty w równych kolumnach w jednej linii */
.pok-step2-offers-row.is-fixed-only .pok-bank-cards--step2 {
    grid-template-columns: repeat(3, 1fr);
}

@media (max-width: 767px) {
    .pok-step2-offers-row.is-fixed-only .pok-bank-cards--step2 {
        grid-template-columns: 1fr;
    }
}

.pok-bank-card--step2 {
    padding: 12px 10px;
    background: var(--pok-purple-light);
    border: 1.5px solid var(--pok-purple);
}

.pok-bank-card--step2 .pok-bank-card__name {
    font-size: 12px;
    margin-bottom: 4px;
}

.pok-bank-card--step2 .pok-bank-card__rate {
    font-size: 14px;
    font-weight: 700;
    line-height: 1.35;
}

.pok-bank-card--step2 .pok-bank-card__rate strong {
    font-size: 16px;
}

.pok-bank-card--step2 .pok-bank-card__desc {
    font-size: 11px;
    margin-top: 4px;
}

/* Krok 2: rząd z ofertami – osobny kontener 2-kolumnowy */
.pok-step2-offers-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px 24px;
    margin-top: 20px;
}

@media (max-width: 767px) {
    .pok-step2-offers-row { grid-template-columns: 1fr; }
}

/* gdy lewa kolumna ukryta (current=fixed), prawa zajmuje całą szerokość */
#pok-step2-offers-var[style*="display:none"] + .pok-step2-offers,
#pok-step2-offers-var[style*="display: none"] + .pok-step2-offers {
    grid-column: 1 / -1;
}

/* Wyniki: tryb only-fixed (obecny kredyt = stały) */
.pok-results--fixed-only .pok-tab[data-tab="variable"],
.pok-results--fixed-only .pok-tab-content[data-tab="variable"],
.pok-results--fixed-only .pok-bank-tab[data-tab="variable"],
.pok-results--fixed-only .pok-bank-tab-content[data-tab="variable"] {
    display: none !important;
}

.pok-results--fixed-only .pok-tab-content[data-tab="fixed"],
.pok-results--fixed-only .pok-bank-tab-content[data-tab="fixed"] {
    display: block !important;
}

.pok-results--fixed-only .pok-tabs {
    display: none;
}

/* Email */
.pok-email-form {
    display: flex;
    flex-direction: column;
    gap: 12px;
    max-width: 560px;
}

.pok-email-inline {
    display: flex;
    gap: 10px;
    align-items: stretch;
}

.pok-email-inline .pok-field {
    flex: 1;
    margin: 0;
}

.pok-email-inline .pok-field input[type="email"] {
    width: 100%;
    height: 100%;
    box-sizing: border-box;
}

.pok-email-inline .pok-btn--email {
    flex-shrink: 0;
    white-space: nowrap;
}

@media (max-width: 480px) {
    .pok-email-inline {
        flex-direction: column;
    }
}

/* Turnstile widget – invisible, zero rozmiaru */
#pok-turnstile-widget { display: none; }

.pok-rodo-field {
    display: flex;
    flex-direction: row;
    gap: 10px;
    align-items: flex-start;
}

/* Android-style toggle */
.pok-toggle {
    position: relative;
    display: inline-flex;
    flex-shrink: 0;
    margin-top: 1px;
    cursor: pointer;
}

.pok-toggle input[type="checkbox"] {
    position: absolute;
    opacity: 0;
    width: 0;
    height: 0;
}

.pok-toggle__track {
    display: inline-block;
    width: 42px;
    height: 24px;
    background: #ccc;
    border-radius: 34px;
    transition: background 0.25s ease;
    position: relative;
}

.pok-toggle__thumb {
    position: absolute;
    top: 3px;
    left: 3px;
    width: 18px;
    height: 18px;
    background: #fff;
    border-radius: 50%;
    box-shadow: 0 1px 3px rgba(0,0,0,0.3);
    transition: transform 0.25s ease;
}

.pok-toggle input:checked ~ .pok-toggle__track {
    background: var(--pok-purple);
}

.pok-toggle input:checked ~ .pok-toggle__track .pok-toggle__thumb {
    transform: translateX(18px);
}

.pok-rodo-text {
    font-size: 13px;
    font-weight: 400;
    color: var(--pok-text-light);
    line-height: 1.5;
}

.pok-rodo-field label {
    font-size: 13px;
    font-weight: 400;
    color: var(--pok-text-light);
    line-height: 1.5;
    cursor: pointer;
    flex-shrink: 0;
    margin-top: 2px;
}

.pok-status--success {
    color: var(--pok-green);
    font-size: 14px;
    font-weight: 600;
}

.pok-status--error {
    color: var(--pok-red);
    font-size: 14px;
}

/* CTA */
.pok-cta {
    text-align: center;
    background: linear-gradient(135deg, var(--pok-purple) 0%, var(--pok-purple-dark) 100%);
    border: none;
}

.pok-cta__text {
    color: rgba(255,255,255,.9);
    font-size: 16px;
    margin-bottom: 16px;
}

.pok-checkbox-label {
    display: flex !important;
    align-items: flex-start;
    gap: 8px;
    cursor: pointer;
}

/* Nadpisanie marginesów/paddingów Divi dla wiersza z kalkulatorem */
.et_pb_row:has(#pok-kalkulator),
.et_pb_column:has(#pok-kalkulator),
.et_pb_text_inner:has(#pok-kalkulator) {
    padding-left: 0 !important;
    padding-right: 0 !important;
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
}

@media (max-width: 980px) {
    .et_pb_row:has(#pok-kalkulator),
    .et_pb_column:has(#pok-kalkulator),
    .et_pb_text_inner:has(#pok-kalkulator) {
        padding-left: 0 !important;
        padding-right: 0 !important;
        margin-left: 0 !important;
        margin-right: 0 !important;
        width: 100% !important;
        max-width: 100% !important;
    }
}

/* Strona główna – ograniczenie szerokości kalkulatora i FAQ */
body.home #pok-kalkulator,
body.home .pok-faq-section {
    max-width: 950px;
    margin-left: auto;
    margin-right: auto;
}