/* Konta osobiste — hub page styles v3 */

/* Page container */
.ko-page{max-width:960px;width:100%;margin:0 auto;padding:0 16px}

/* Hero */
.ko-hero{margin-bottom:24px}
.ko-hero h1{font-size:32px;font-weight:800;color:#1a2b4c;margin:0 0 12px;line-height:1.25}
.ko-hero-lead{font-size:16px;color:#555;line-height:1.6;max-width:720px}
.ko-hero-lead strong{color:#1a2b4c}
.ko-hero-img{float:right;margin:0 0 16px 24px;border-radius:12px;width:280px;height:auto}
@media(max-width:768px){.ko-hero-img{float:none;display:block;width:100%;margin:0 0 16px}.ko-hero h1{font-size:26px}}

/* Disclosure */
.ko-disclosure{background:#fef9e7;border:1px solid #f0e4b8;border-left:3px solid #d4a017;border-radius:6px;padding:12px 16px;font-size:13px;color:#6b5900;line-height:1.5;margin-bottom:20px}
.ko-disclosure strong{color:#4a3d00}
.ko-disclosure a{color:#0052CC;font-weight:600}

/* Anchor nav */
.ko-nav{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px;padding:14px 0;border-top:1px solid #eaeaea;border-bottom:1px solid #eaeaea}
.ko-nav a{padding:8px 18px;border-radius:100px;font-size:14px;font-weight:600;text-decoration:none;border:1px solid #c8d8e8;background:#fff;color:#3a5a7c;transition:all .2s}
.ko-nav a:hover{background:#0052CC;border-color:#0052CC;color:#fff}

/* Comparison table */
.ko-table-wrap{margin:0 0 32px}
.ko-table-wrap h2{font-size:26px;font-weight:800;color:#1a2b4c;margin:0 0 14px}
.ko-table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
.ko-table{width:100%;border-collapse:collapse;font-size:14px}
.ko-table th{background:#1a2b4c;color:#fff;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;padding:12px 14px;text-align:left;white-space:nowrap}
.ko-table td{padding:11px 14px;border-bottom:1px solid #eaeaea;vertical-align:middle;font-size:14px}
.ko-table tr:nth-child(even) td{background:#f8f9fa}
.ko-table tr:hover td{background:#f0f5ff}
.ko-table-premia{font-weight:700;color:#0052CC}
.ko-table-btn{display:inline-block;padding:6px 16px;background:#0052CC;color:#fff;border-radius:6px;font-size:13px;font-weight:600;text-decoration:none;white-space:nowrap;transition:background .2s}
.ko-table-btn:hover{background:#003d99;color:#fff}
.ko-table-note{font-size:12px;color:#999;margin-top:8px}

/* Toolbar: sort + count */
.ko-toolbar{display:flex;justify-content:space-between;align-items:center;margin:32px 0 16px;padding-bottom:12px;border-bottom:2px solid #0052CC}
.ko-count{font-size:15px;color:#555}
.ko-count strong{color:#1a2b4c}
.ko-sort-label{font-size:14px;color:#555;display:flex;align-items:center;gap:6px}
.ko-sort{padding:6px 12px;border:1px solid #d4e3f5;border-radius:8px;font-size:14px;font-weight:600;color:#1a2b4c;background:#fff;cursor:pointer}
.ko-sort:focus{outline:none;border-color:#0052CC;box-shadow:0 0 0 3px rgba(0,82,204,.1)}

/* Bank cards */
.ko-banks{display:grid;grid-template-columns:1fr;gap:20px;margin-bottom:32px}
.ko-bank{position:relative;padding:24px;background:#fff;border:1px solid #e2e8f0;border-radius:14px;transition:box-shadow .25s}
.ko-bank:hover{box-shadow:0 6px 24px rgba(0,50,120,.08)}
.ko-bank-top{border-color:#0052CC;border-width:2px;box-shadow:0 2px 12px rgba(0,82,204,.08)}
.ko-bank-badge{position:absolute;top:-11px;right:20px;font-size:12px;font-weight:700;color:#fff;background:#0052CC;border-radius:100px;padding:4px 16px;letter-spacing:.3px}

/* Bank card header: logo + name + premia */
.ko-bank-header{display:flex;align-items:center;gap:16px;margin-bottom:16px}
.ko-bank-logo{flex-shrink:0;width:130px;display:flex;align-items:center;justify-content:center}
.ko-bank-logo img{max-width:120px;max-height:44px;height:auto}
.ko-bank-name{font-size:19px;font-weight:700;color:#1a2b4c;line-height:1.2}
.ko-bank-sub{font-size:14px;color:#8899aa;margin-top:2px}
.ko-bank-premia{margin-left:auto;font-size:20px;font-weight:800;color:#0052CC;white-space:nowrap}

/* Fee grid — 4 columns */
.ko-fee-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:14px}
.ko-fee{background:#f8f9fa;border-radius:8px;padding:10px 12px;text-align:center}
.ko-fee-label{display:block;font-size:11px;font-weight:600;color:#8899aa;text-transform:uppercase;letter-spacing:.4px;margin-bottom:4px}
.ko-fee-val{display:block;font-size:15px;font-weight:700;color:#1a2b4c}
@media(max-width:600px){.ko-fee-grid{grid-template-columns:repeat(2,1fr)}}

/* Payment badges */
.ko-pay-row{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:12px}
.ko-pay-badge{font-size:11px;font-weight:600;color:#0052CC;background:#e8f0ff;border-radius:100px;padding:3px 10px}

/* Conditions box */
.ko-conditions{background:#fff8e6;border:1px solid #f0e4b8;border-radius:8px;padding:10px 14px;margin-bottom:14px;font-size:13px;color:#6b5900;line-height:1.5}
.ko-conditions strong{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.4px;color:#8b7200;margin-bottom:4px}
.ko-conditions span{display:block;padding:1px 0}
.ko-conditions span::before{content:'• ';color:#d4a017}

/* Bank card footer */
.ko-bank-footer{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.ko-verified{font-size:11px;color:#999}

/* Pros / Cons */
.ko-proscons{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}
.ko-pros,.ko-cons{font-size:14px;line-height:1.6}
.ko-pro-item{color:#1a6b3c;padding:2px 0}
.ko-con-item{color:#b91c1c;padding:2px 0}
@media(max-width:600px){.ko-proscons{grid-template-columns:1fr}}

/* Accordion details */
.ko-details{margin-bottom:14px}
.ko-details summary{font-size:14px;font-weight:600;color:#0052CC;cursor:pointer;list-style:none;padding:8px 0;user-select:none}
.ko-details summary::-webkit-details-marker{display:none}
.ko-details summary::before{content:'\25B6';font-size:10px;margin-right:8px;display:inline-block;transition:transform .2s}
.ko-details[open] summary::before{transform:rotate(90deg)}
.ko-details-list{margin:8px 0 0;padding:0 0 0 20px;font-size:14px;color:#555;line-height:1.7}
.ko-details-list li{padding:3px 0}
.ko-details-list li strong{color:#1a2b4c}

/* CTA button */
.ko-bank-btn{display:inline-block;padding:11px 32px;background:linear-gradient(180deg,#0062e6,#0052CC);color:#fff;border:none;border-radius:10px;font-size:15px;font-weight:700;text-decoration:none;box-shadow:0 2px 6px rgba(0,82,204,.2);transition:all .2s}
.ko-bank-btn:hover{background:linear-gradient(180deg,#0052CC,#003d99);color:#fff;box-shadow:0 4px 14px rgba(0,82,204,.3);transform:translateY(-1px)}

@media(max-width:768px){.ko-bank-header{flex-wrap:wrap}.ko-bank-logo{width:100%}.ko-bank-premia{margin-left:0;margin-top:4px}}

/* Guide section */
.ko-guide{margin:44px 0}
.ko-guide h2{font-size:26px;font-weight:800;color:#1a2b4c;margin:0 0 22px;padding-bottom:12px;border-bottom:2px solid #0052CC}
.ko-guide-section{margin-bottom:26px}
.ko-guide-section h3{font-size:20px;font-weight:700;color:#1a2b4c;margin:0 0 10px;display:flex;align-items:center;gap:8px}
.ko-guide-icon{font-size:24px;flex-shrink:0}
.ko-guide-section p{font-size:15px;color:#555;line-height:1.7;margin:0 0 10px}
.ko-guide-section p strong{color:#1a2b4c}

/* Persona recommendations */
.ko-personas{margin:44px 0}
.ko-personas h2{font-size:26px;font-weight:800;color:#1a2b4c;margin:0 0 18px;padding-bottom:12px;border-bottom:2px solid #0052CC}
.ko-persona-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.ko-persona{background:#f8f9fa;border-radius:12px;padding:20px;border-left:4px solid #0052CC}
.ko-persona h3{font-size:18px;font-weight:700;color:#1a2b4c;margin:0 0 8px}
.ko-persona p{font-size:15px;color:#555;line-height:1.6;margin:0}
.ko-persona p strong{color:#1a2b4c}
@media(max-width:600px){.ko-persona-grid{grid-template-columns:1fr}}

/* Methodology */
.ko-methodology{margin:44px 0}
.ko-methodology h2{font-size:26px;font-weight:800;color:#1a2b4c;margin:0 0 14px;padding-bottom:12px;border-bottom:2px solid #0052CC}
.ko-methodology>p{font-size:15px;color:#555;line-height:1.6;margin:0 0 16px}
.ko-method-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:16px}
.ko-method-item{background:#f8f9fa;border-radius:10px;padding:16px;text-align:center}
.ko-method-item strong{display:block;font-size:28px;font-weight:800;color:#0052CC;line-height:1}
.ko-method-item span{display:block;font-size:14px;font-weight:700;color:#1a2b4c;margin-top:6px}
.ko-method-item small{display:block;font-size:12px;color:#8899aa;margin-top:4px}
.ko-method-note{font-size:13px;color:#999;font-style:italic}
@media(max-width:600px){.ko-method-grid{grid-template-columns:repeat(2,1fr)}}

/* FAQ */
.ko-faq{margin:44px 0}
.ko-faq h2{font-size:26px;font-weight:800;color:#1a2b4c;margin:0 0 18px;padding-bottom:12px;border-bottom:2px solid #0052CC}
.ko-faq-list{display:flex;flex-direction:column;gap:10px}
.ko-faq-item{background:#f8f9fa;border:1px solid #eaeaea;border-left:3px solid #0052CC;border-radius:6px;overflow:hidden}
.ko-faq-item[open]{background:#fff;box-shadow:0 2px 8px rgba(0,50,120,.06)}
.ko-faq-q{padding:16px 20px;font-size:16px;font-weight:600;color:#1a2b4c;cursor:pointer;list-style:none;position:relative;user-select:none}
.ko-faq-q::-webkit-details-marker{display:none}
.ko-faq-q::after{content:'\25BC';position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:11px;color:#0052CC;transition:transform .3s}
.ko-faq-item[open] .ko-faq-q::after{transform:translateY(-50%) rotate(180deg)}
.ko-faq-q:hover{color:#0052CC}
.ko-faq-a{padding:0 20px 18px;font-size:15px;line-height:1.65;color:#555}
.ko-faq-a strong{color:#1a2b4c}

/* News */
.ko-news{margin:44px 0}
.ko-news h2{font-size:24px;font-weight:800;color:#1a2b4c;margin:0 0 18px}
.ko-news-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.ko-news-item{display:flex;gap:14px;padding:14px;background:#fff;border:1px solid #eaeaea;border-radius:10px;text-decoration:none;color:inherit;transition:box-shadow .2s}
.ko-news-item:hover{box-shadow:0 4px 14px rgba(0,0,0,.06)}
.ko-news-item img{width:130px;height:86px;object-fit:cover;border-radius:8px;flex-shrink:0}
.ko-news-item h4{margin:0 0 6px;font-size:16px;font-weight:700;color:#1a2b4c;line-height:1.35;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.ko-news-item:hover h4{color:#0052CC}
.ko-news-item time{font-size:12px;color:#999}
@media(max-width:768px){.ko-news-grid{grid-template-columns:1fr}}

/* Related */
.ko-related{margin:40px 0}
.ko-related h2{font-size:22px;font-weight:800;color:#1a2b4c;margin:0 0 14px}
.ko-related-pills{display:flex;flex-wrap:wrap;gap:8px}
.ko-related-pills a{padding:9px 20px;border-radius:100px;font-size:14px;font-weight:600;text-decoration:none;border:1px solid #c8d8e8;background:#fff;color:#3a5a7c;transition:all .25s}
.ko-related-pills a:hover{background:#0052CC;border-color:#0052CC;color:#fff;box-shadow:0 3px 10px rgba(0,82,204,.25);transform:translateY(-1px)}

/* Ad */
.ko-ad{text-align:center;margin:28px 0}