.fin-hero {
  background-color: var(--clr-dark);
  padding-top: calc(72px + var(--sp-16)); 
  padding-bottom: var(--sp-24);
  position: relative;
  overflow: hidden;
}

.fin-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(27, 120, 200, 0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(27, 120, 200, 0.05) 1px, transparent 1px);
  background-size: 64px 64px;
  pointer-events: none;
}

.fin-hero::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 120px;
  background: linear-gradient(transparent, var(--clr-dark));
  pointer-events: none;
}

.fin-hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: var(--sp-16);
  align-items: center;
}

.fin-hero__content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.fin-hero__heading em {
  font-style: italic;
  color: var(--clr-gold-light);
}

.tw-fade {
  opacity: 0;
  transition: opacity 1.5s ease;
}

.tw-fade.is-visible {
  opacity: 1;
}

.fin-hero__heading {
  font-family: var(--font-heading);
  font-size: clamp(var(--fs-2xl), 3.5vw, var(--fs-4xl));
  font-weight: var(--fw-bold);
  line-height: var(--lh-tight);
  letter-spacing: var(--ls-tight);
  color: var(--clr-text-light);
  margin-bottom: var(--sp-8);
}

.fin-hero__benefits {
  display: flex;
  flex-direction: column;
  gap: var(--sp-4);
  margin-bottom: var(--sp-10);
}

.fin-hero__benefit {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-3);
  font-size: var(--fs-sm);
  color: rgba(244, 248, 252, 0.75);
  line-height: var(--lh-loose);
}

.fin-hero__benefit-icon {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(27, 120, 200, 0.15);
  border: 1px solid rgba(27, 120, 200, 0.3);
  color: var(--clr-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 3px;
}

.fin-hero__ctas {
  display: flex;
  gap: var(--sp-4);
  flex-wrap: wrap;
}

.fin-hero__ctas .btn--secondary {
  color: var(--clr-text-light);
  border-color: rgba(244, 248, 252, 0.35);
}

.fin-hero__ctas .btn--secondary:hover {
  border-color: var(--clr-gold-light);
  color: var(--clr-gold-light);
  background-color: rgba(27, 120, 200, 0.12);
}

.fin-hero__photo-wrap {
  position: relative;
  padding-bottom: 30px;
}

.fin-hero__photo-wrap::before {
  content: "";
  position: absolute;
  inset: -12px 12px 12px -12px; 
  border: 2px solid rgba(27, 120, 200, 0.35);
  border-radius: var(--radius-xl);
  pointer-events: none;
  z-index: 0;
}

.fin-hero__photo {
  position: relative;
  z-index: 1;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.fin-hero__photo-img {
  width: 100%;
  aspect-ratio: 4/5;
  object-fit: cover;
  display: block;
}

.fin-hero__photo-badge {
  position: absolute;
  bottom: -22px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  background: rgba(8, 12, 22, 0.9);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.07);
  border-top: 1px solid rgba(212, 175, 55, 0.35);
  border-radius: 14px;
  padding: var(--sp-3) var(--sp-6);
  display: flex;
  align-items: center;
  gap: var(--sp-4);
  white-space: nowrap;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.45), 0 2px 8px rgba(0, 0, 0, 0.25);
  animation: floatCentered 5s ease-in-out infinite;
}

.fin-hero__photo-badge-body {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.fin-hero__photo-badge-name {
  font-size: var(--fs-sm);
  font-weight: var(--fw-semibold);
  color: #f4f8fc;
  letter-spacing: 0.01em;
}

.fin-hero__photo-badge-role {
  font-size: var(--fs-xs);
  color: rgba(244, 248, 252, 0.48);
  letter-spacing: 0.02em;
}

.fin-hero__photo-badge-divider {
  width: 1px;
  height: 34px;
  background: rgba(255, 255, 255, 0.09);
  flex-shrink: 0;
  margin: 0 var(--sp-1);
}

.fin-hero__photo-badge-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1px;
}

.fin-hero__photo-badge-stat-num {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: var(--fw-bold);
  color: var(--clr-gold);
  line-height: 1;
}

.fin-hero__photo-badge-stat-label {
  font-size: 0.625rem;
  color: rgba(244, 248, 252, 0.4);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.fin-services {
  background: var(--clr-bg-section);
}

.fin-services__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--sp-6);
}

.fin-scard {
  background:
    linear-gradient(
      160deg,
      rgba(24, 29, 42, 0.92) 0%,
      rgba(35, 40, 56, 0.96) 100%
    ),
    center / cover no-repeat;
  background-color: var(--clr-dark-mid);
  border-radius: var(--radius-xl);
  border: 1px solid rgba(27, 120, 200, 0.12);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  transition:
    border-color var(--tr-base),
    transform var(--tr-base),
    box-shadow var(--tr-base);
}

.fin-scard--kredyty-firmowe    { background-image: url('../../img/services/kredyty-firmowe.jpg'); }
.fin-scard--kredyty-hipoteczne { background-image: url('../../img/services/kredyty-hipoteczne.jpg'); }
.fin-scard--kredyty-gotowkowe  { background-image: url('../../img/services/kredyty-gotowkowe.jpg'); }
.fin-scard--leasing-faktoring  { background-image: url('../../img/services/leasing-faktoring.jpg'); }

.fin-scard:hover {
  border-color: rgba(27, 120, 200, 0.45);
  transform: translateY(-8px) scale(1.01);
  box-shadow:
    0 20px 56px rgba(0, 0, 0, 0.32),
    0 0 0 1px rgba(27, 120, 200, 0.15);
}

.fin-scard__inner {
  display: flex;
  flex-direction: column;
  flex-grow: 1;
  padding: var(--sp-8);
}

.fin-scard__top {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: var(--sp-4);
  padding-bottom: var(--sp-6);
  margin-bottom: var(--sp-6);
  border-bottom: 1px solid rgba(27, 120, 200, 0.15);
}

.fin-scard__icon {
  width: 80px;
  height: 80px;
  border-radius: var(--radius-md);
  background: rgba(27, 120, 200, 0.12);
  border: 1px solid rgba(27, 120, 200, 0.22);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-gold);
  flex-shrink: 0;
  transition:
    background var(--tr-base),
    transform var(--tr-spring);
}

.fin-scard:hover .fin-scard__icon {
  background: rgba(27, 120, 200, 0.22);
  transform: scale(1.1) rotate(-4deg);
}

.fin-scard__title {
  font-family: var(--font-heading);
  font-size: var(--fs-xl);
  font-weight: var(--fw-semi);
  color: var(--clr-gold);
  margin: 0;
  line-height: var(--lh-snug);
  letter-spacing: var(--ls-tight);
}

.fin-scard__body {
  flex-grow: 1;
  display: flex;
  flex-direction: column;
}

.fin-scard__desc {
  font-size: var(--fs-md);
  color: rgba(244, 248, 252, 0.88);
  line-height: var(--lh-loose);
  margin: 0 0 var(--sp-6);
}

.fin-scard__reqs {
  margin-top: auto;
}

.fin-scard__reqs-label {
  font-family: var(--font-body);
  font-size: var(--fs-xs);
  font-weight: var(--fw-semi);
  letter-spacing: var(--ls-wider);
  text-transform: uppercase;
  color: var(--clr-gold);
  margin-bottom: var(--sp-3);
}

.fin-scard__reqs-list {
  display: flex;
  flex-direction: column;
  gap: var(--sp-2);
  margin-bottom: var(--sp-6);
  padding: 0;
  list-style: none;
}

.fin-scard__reqs-list li {
  font-size: var(--fs-sm);
  color: rgba(244, 248, 252, 0.78);
  padding-left: var(--sp-5);
  position: relative;
  line-height: var(--lh-snug);
}

.fin-scard__reqs-list li::before {
  content: "—";
  position: absolute;
  left: 0;
  color: rgba(27, 120, 200, 0.5);
  font-size: 0.8em;
  top: 0.1em;
}

.fin-scard__btn {
  align-self: flex-start;
  margin-top: auto;
}

.fin-scard__hover {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: var(--sp-6) var(--sp-8);
  background: linear-gradient(transparent, rgba(10, 16, 30, 0.98) 40%);
  display: flex;
  justify-content: center;
  border-radius: 0 0 var(--radius-xl) var(--radius-xl);
  transform: translateY(100%);
  transition: transform 0.35s ease;
  transition-delay: 0s;
  pointer-events: none;
}

.fin-scard:hover .fin-scard__hover {
  transform: translateY(0);
  pointer-events: auto;
  transition-delay: 2s;
}

.fin-process {
  background: var(--clr-bg);
}

.fin-process__inner {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: var(--sp-20);
  align-items: start;
}

.fin-process__steps .heading-2 {
  margin-top: var(--sp-3);
  margin-bottom: var(--sp-8);
}

.fin-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
  padding: 0;
  list-style: none;
}

.fin-step {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: var(--sp-5);
  align-items: start;
  position: relative;
  padding-bottom: var(--sp-8);
}

.fin-step:not(:last-child)::after {
  content: "";
  position: absolute;
  left: 27px;
  top: 56px;
  height: var(--sp-8);
  width: 1px;
  background: linear-gradient(to bottom, rgba(27, 120, 200, 0.25), transparent);
}

.fin-step:last-child {
  padding-bottom: 0;
}

.fin-step__num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: rgba(27, 120, 200, 0.08);
  border: 1.5px solid rgba(27, 120, 200, 0.22);
  color: var(--clr-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition:
    background var(--tr-base),
    transform var(--tr-spring);
}

.fin-step:hover .fin-step__num {
  background: rgba(27, 120, 200, 0.18);
  transform: scale(1.08);
}

.fin-step__content {
  padding-top: var(--sp-3);
}

.fin-step__title {
  font-family: var(--font-heading);
  font-size: var(--fs-lg);
  font-weight: var(--fw-semi);
  color: var(--clr-text);
  margin: 0 0 var(--sp-3);
  line-height: var(--lh-snug);
  letter-spacing: var(--ls-tight);
}

.fin-step__desc {
  font-size: var(--fs-base);
  color: var(--clr-text-muted);
  line-height: var(--lh-loose);
  margin: 0;
}

.fin-step.is-revealed .fin-step__num {
  animation: scaleIn 0.5s var(--tr-spring) both;
}

.fin-process__aside {
  position: sticky;
  top: calc(72px + var(--sp-8));
}

.fin-process__aside .section-label {
  display: block;
  margin-bottom: var(--sp-5);
}

.fin-facts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: var(--sp-8);
}

.fin-fact {
  padding: var(--sp-6);
  text-align: center;
  background: var(--clr-bg);
  border-right: 1px solid var(--clr-border);
  border-bottom: 1px solid var(--clr-border);
}

.fin-fact:nth-child(2n) {
  border-right: none;
}

.fin-fact:nth-last-child(-n + 2) {
  border-bottom: none;
}

.fin-fact__number {
  font-family: var(--font-heading);
  font-size: clamp(var(--fs-xl), 2.5vw, var(--fs-2xl));
  font-weight: var(--fw-bold);
  color: var(--clr-gold);
  line-height: 1;
  margin-bottom: var(--sp-2);
  letter-spacing: var(--ls-tight);
}

.fin-fact__label {
  font-size: var(--fs-xs);
  color: var(--clr-text-muted);
  line-height: var(--lh-snug);
}

.fin-testimonials {
  margin-top: var(--sp-8);
}

.fin-testimonials__track {
  position: relative;
  min-height: 160px;
}

.fin-testimonials__dots {
  display: flex;
  gap: var(--sp-2);
  justify-content: center;
  margin-top: var(--sp-5);
}

.fin-testimonials__dot {
  width: 8px;
  height: 8px;
  border-radius: var(--radius-full);
  background: rgba(27, 120, 200, 0.25);
  border: none;
  cursor: pointer;
  padding: 0;
  transition: background var(--tr-base), transform var(--tr-base);
}

.fin-testimonials__dot.is-active {
  background: var(--clr-gold);
  transform: scale(1.3);
}

.fin-testimonial {
  background: var(--clr-dark);
  border-radius: var(--radius-lg);
  padding: var(--sp-8);
  border-left: 3px solid var(--clr-gold);
  margin: 0;
  position: absolute;
  inset: 0;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.4s ease, visibility 0.4s ease;
}

.fin-testimonial.is-active {
  position: relative;
  opacity: 1;
  visibility: visible;
}

.fin-testimonial__quote {
  font-size: var(--fs-sm);
  color: rgba(244, 248, 252, 0.75);
  line-height: var(--lh-loose);
  font-style: italic;
  margin: 0 0 var(--sp-6);
}

.fin-testimonial__footer {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
}

.fin-testimonial__avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(27, 120, 200, 0.12);
  border: 1px solid rgba(27, 120, 200, 0.3);
  color: var(--clr-gold);
  font-size: var(--fs-xs);
  font-weight: var(--fw-semi);
  letter-spacing: 0.05em;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fin-testimonial__name {
  display: block;
  font-size: var(--fs-sm);
  font-weight: var(--fw-medium);
  color: var(--clr-text-light);
  font-style: normal;
}

.fin-testimonial__role {
  display: block;
  font-size: var(--fs-xs);
  color: rgba(244, 248, 252, 0.5);
  margin-top: 2px;
}

.fin-calc {
  padding-block: var(--sp-20);
}

.fin-calc .section-label {
  color: var(--clr-gold);
}

.fin-calc .text-lead {
  color: rgba(244, 248, 252, 0.6);
}

.fin-calc__card {
  background: var(--clr-bg);
  border-radius: var(--radius-xl);
  padding: var(--sp-10) var(--sp-12);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-12);
  align-items: start;
}

.fin-calc__controls {
  display: flex;
  flex-direction: column;
  gap: var(--sp-8);
}

.fin-calc__field {
  display: flex;
  flex-direction: column;
  gap: var(--sp-3);
}

.fin-calc__field-header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: var(--sp-4);
}

.fin-calc__label {
  font-size: var(--fs-sm);
  font-weight: var(--fw-medium);
  color: var(--clr-text-mid);
}

.fin-calc__value {
  font-family: var(--font-heading);
  font-size: var(--fs-md);
  font-weight: var(--fw-semi);
  color: var(--clr-gold);
  white-space: nowrap;
}

.fin-calc__range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  outline: none;
  cursor: pointer;
  background: linear-gradient(
    to right,
    var(--clr-gold) var(--fill, 9%),
    rgba(24, 29, 42, 0.12) var(--fill, 9%)
  );
  transition: background var(--tr-fast);
}

.fin-calc__range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--clr-gold);
  border: 3px solid var(--clr-bg);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.18);
  cursor: pointer;
  transition:
    transform var(--tr-fast),
    box-shadow var(--tr-fast);
}

.fin-calc__range:hover::-webkit-slider-thumb,
.fin-calc__range:active::-webkit-slider-thumb {
  transform: scale(1.15);
  box-shadow: 0 4px 14px rgba(27, 120, 200, 0.35);
}

.fin-calc__range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--clr-gold);
  border: 3px solid var(--clr-bg);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.18);
  cursor: pointer;
  transition: transform var(--tr-fast);
}

.fin-calc__range::-moz-range-thumb:hover {
  transform: scale(1.15);
}

.fin-calc__result {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  background: var(--clr-dark);
  border-radius: var(--radius-lg);
  padding: var(--sp-10) var(--sp-8);
  border: 1px solid rgba(27, 120, 200, 0.15);
}

.fin-calc__result-label {
  font-size: var(--fs-xs);
  font-weight: var(--fw-medium);
  letter-spacing: var(--ls-wider);
  text-transform: uppercase;
  margin-bottom: var(--sp-4);
}

.fin-calc .fin-calc__result-label {
  color: rgba(244, 248, 252, 0.5);
}

.fin-calc__result-amount {
  font-family: var(--font-heading);
  font-size: clamp(var(--fs-xl), 3vw, var(--fs-3xl));
  font-weight: var(--fw-bold);
  color: var(--clr-gold);
  line-height: 1;
  margin-bottom: var(--sp-4);
  letter-spacing: var(--ls-tight);
}

.fin-calc__result-total {
  margin-bottom: var(--sp-8);
  font-size: var(--fs-xs);
}

.fin-calc .fin-calc__result-total {
  color: rgba(244, 248, 252, 0.45);
}

.fin-calc__result-total span {
  color: rgba(244, 248, 252, 0.75);
}

.fin-calc__cta {
  width: 100%;
  justify-content: center;
  margin-bottom: var(--sp-4);
}

.fin-calc__disclaimer {
  font-size: var(--fs-xs);
  line-height: var(--lh-loose);
  text-align: center;
  font-style: italic;
}

.fin-calc .fin-calc__disclaimer {
  color: rgba(244, 248, 252, 0.3);
}

.fin-faq {
  background: var(--clr-bg);
}

.fin-faq__list {
  max-width: 860px;
  margin: 0 auto;
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
}

.fin-faq__item {
  border-bottom: 1px solid var(--clr-border);
}

.fin-faq__item:last-child {
  border-bottom: none;
}

.fin-faq__question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-6);
  padding: var(--sp-6) var(--sp-8);
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-body);
  font-size: var(--fs-md);
  font-weight: var(--fw-medium);
  color: var(--clr-text);
  transition:
    background-color var(--tr-fast),
    color var(--tr-fast);
}

.fin-faq__question:hover {
  background-color: rgba(27, 120, 200, 0.04);
}

.fin-faq__item.is-open .fin-faq__question {
  color: var(--clr-gold);
  background-color: rgba(27, 120, 200, 0.04);
}

.fin-faq__icon {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  position: relative;
}

.fin-faq__icon::before,
.fin-faq__icon::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 13px;
  height: 1.5px;
  background: var(--clr-gold);
  border-radius: 1px;
  transform: translate(-50%, -50%);
  transition:
    transform var(--tr-base),
    opacity var(--tr-base);
}

.fin-faq__icon::before {
  transform: translate(-50%, -50%);
}

.fin-faq__icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
}

.fin-faq__item.is-open .fin-faq__icon::after {
  transform: translate(-50%, -50%) rotate(0);
  opacity: 0;
}

.fin-faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 420ms cubic-bezier(0.4, 0, 0.2, 1);
}

.fin-faq__item.is-open .fin-faq__answer {
  max-height: 600px;
}

.fin-faq__item.is-open .fin-faq__answer p {
  animation: fadeSlideUp 0.35s ease both;
}

.fin-faq__answer p {
  padding: var(--sp-5) var(--sp-8) var(--sp-8);
  font-size: var(--fs-base);
  color: var(--clr-text-muted);
  line-height: var(--lh-loose);
  margin: 0;
}

@media (max-width: 1023px) {
  
  .fin-hero__inner {
    grid-template-columns: 1fr;
    gap: var(--sp-12);
  }

  .fin-hero__photo-wrap {
    max-width: 400px;
    margin: 0 auto;
    order: -1; 
  }

  .fin-hero__photo-wrap::before {
    display: none;
  }

.fin-services__grid {
    grid-template-columns: 1fr 1fr;
  }

.fin-process__inner {
    grid-template-columns: 1fr;
    gap: var(--sp-12);
  }

  .fin-process__aside {
    position: static;
  }

  .fin-facts {
    max-width: 500px;
  }

.fin-calc__card {
    grid-template-columns: 1fr;
    padding: var(--sp-8);
    gap: var(--sp-8);
  }
}

@media (max-width: 767px) {
  .fin-hero {
    padding-top: calc(72px + var(--sp-10));
    padding-bottom: var(--sp-16);
  }

  .fin-hero__heading {
    font-size: var(--fs-2xl);
  }

  .fin-hero__photo-img {
    aspect-ratio: 3/4;
  }

.fin-services__grid {
    grid-template-columns: 1fr;
  }

.fin-faq__question {
    padding: var(--sp-5) var(--sp-5);
    font-size: var(--fs-sm);
  }

  .fin-faq__answer p {
    padding: 0 var(--sp-5) var(--sp-5);
  }
}

@media (max-width: 639px) {
  .fin-hero__photo-wrap {
    max-width: 100%;
  }

  .fin-hero__ctas {
    flex-direction: column;
    width: 100%;
  }

  .fin-hero__ctas .btn {
    width: 100%;
    justify-content: center;
  }

  .fin-hero__photo-badge {
    padding: var(--sp-2) var(--sp-3);
    gap: var(--sp-2);
    font-size: var(--fs-xs);
    white-space: normal;
    width: calc(100% - var(--sp-8));
    justify-content: center;
  }

  .fin-hero__photo-badge-name {
    font-size: var(--fs-xs);
  }

  .fin-calc__card {
    padding: var(--sp-6);
    gap: var(--sp-6);
  }

  .fin-calc__field-header {
    flex-direction: column;
    gap: var(--sp-1);
  }

  .fin-faq__list {
    border-radius: var(--radius-md);
  }

  .fin-scard__inner {
    padding: var(--sp-6);
  }

  .fin-process__steps h2 {
    font-size: var(--fs-xl);
  }
}