:root {
  --navy: #1b2b40;
  --navy-dark: #14202f;
  --blue: #1e88e5;
  --blue-dark: #1565c0;
  --text: #4a5568;
  --heading: #1b2b40;
  --light: #f4f6f9;
  --line: #e3e8ee;
  --green: #2e9d5b;
  --orange: #e8890c;
  --red: #d64541;
  --head-font: "Montserrat", "Helvetica Neue", Arial, sans-serif;
  --body-font: "Open Sans", "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body { margin: 0; font-family: var(--body-font); font-size: 16px; line-height: 1.7; color: var(--text); background: #fff; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-dark); }
img { max-width: 100%; }
h1, h2, h3, h4 { font-family: var(--head-font); color: var(--heading); line-height: 1.25; margin: 0 0 16px; }

.container { max-width: 1140px; margin: 0 auto; padding: 0 20px; }

/* pasek górny */
.topbar { background: var(--navy-dark); color: #b9c4d2; font-size: 13px; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; min-height: 38px; gap: 12px; }
.topbar a { color: #dfe6ee; }
.topbar i { margin-right: 6px; color: var(--blue); }

/* nawigacja */
.navbar { background: #fff; box-shadow: 0 2px 8px rgba(20, 32, 47, .08); position: sticky; top: 0; z-index: 50; }
.navbar .container { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.logo { font-family: var(--head-font); font-weight: 800; font-size: 22px; letter-spacing: .5px; color: var(--navy); display: flex; align-items: center; gap: 10px; }
.logo:hover { color: var(--navy); }
.logo .mark { width: 30px; height: 30px; background: var(--blue); color: #fff; border-radius: 3px; display: inline-flex; align-items: center; justify-content: center; font-size: 17px; }
.menu { display: flex; align-items: center; gap: 28px; list-style: none; margin: 0; padding: 0; }
.menu a { color: var(--navy); font-family: var(--head-font); font-weight: 600; font-size: 13px; text-transform: uppercase; letter-spacing: .6px; }
.menu a:hover { color: var(--blue); }
.menu a.btn { color: #fff; }
.burger { display: none; background: none; border: 0; font-size: 24px; color: var(--navy); cursor: pointer; padding: 6px 10px; }

/* przyciski */
.btn { display: inline-block; font-family: var(--head-font); font-weight: 700; font-size: 13px; text-transform: uppercase; letter-spacing: 1px; color: #fff; background: var(--blue); border: 2px solid var(--blue); border-radius: 3px; padding: 14px 30px; cursor: pointer; transition: background .2s, border-color .2s, color .2s; }
.btn:hover { background: var(--blue-dark); border-color: var(--blue-dark); color: #fff; }
.btn-sm { padding: 10px 20px; }
.btn-ghost { background: transparent; border-color: #fff; color: #fff; }
.btn-ghost:hover { background: #fff; border-color: #fff; color: var(--navy); }
.btn-white { background: #fff; border-color: #fff; color: var(--blue-dark); }
.btn-white:hover { background: var(--navy); border-color: var(--navy); color: #fff; }
.btn:disabled { opacity: .6; cursor: wait; }

/* baner */
.hero { background: linear-gradient(120deg, #14202f 0%, #1f3b5c 55%, #235184 100%); color: #fff; text-align: center; padding: 110px 0 170px; position: relative; overflow: hidden; }
.hero::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.07) 1.5px, transparent 1.5px); background-size: 26px 26px; }
.hero .container { position: relative; }
.hero h1 { color: #fff; font-size: 46px; font-weight: 800; max-width: 820px; margin: 0 auto 20px; }
.hero p { font-size: 20px; max-width: 700px; margin: 0 auto 36px; color: #d5dfeb; font-weight: 300; }
.hero .btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.hero .sources { margin-top: 36px; font-size: 13px; letter-spacing: 1.5px; text-transform: uppercase; color: #8fa6c0; }

/* trzy pola nad bannerem */
.pillars { margin-top: -80px; position: relative; z-index: 5; }
.pillars .grid { display: grid; grid-template-columns: repeat(3, 1fr); background: #fff; box-shadow: 0 10px 35px rgba(20, 32, 47, .14); border-radius: 3px; }
.pillar { padding: 34px 30px; text-align: center; border-right: 1px solid var(--line); }
.pillar:last-child { border-right: 0; }
.pillar .ico { width: 62px; height: 62px; border-radius: 50%; background: #e8f2fd; color: var(--blue); font-size: 24px; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; }
.pillar h3 { font-size: 17px; margin-bottom: 8px; }
.pillar p { margin: 0; font-size: 15px; }

/* sekcje */
section { padding: 90px 0; }
.bg-light { background: var(--light); }
.sec-title { text-align: center; max-width: 700px; margin: 0 auto 56px; }
.sec-title h2 { font-size: 32px; font-weight: 700; position: relative; padding-bottom: 18px; }
.sec-title h2::after { content: ""; position: absolute; left: 50%; bottom: 0; width: 56px; height: 3px; margin-left: -28px; background: var(--blue); }
.sec-title p { margin: 0; color: #6b7686; }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.two-col h2 { font-size: 30px; }
.two-col p { margin: 0 0 16px; }

/* przykładowa karta */
.card-demo { background: #fff; border: 1px solid var(--line); box-shadow: 0 8px 28px rgba(20, 32, 47, .1); border-radius: 3px; overflow: hidden; }
.card-demo .bar { background: var(--navy); color: #fff; font-size: 12px; letter-spacing: 1px; text-transform: uppercase; padding: 11px 20px; display: flex; justify-content: space-between; font-family: var(--head-font); }
.card-demo .bar span:last-child { color: #8fc4f5; }
.card-demo .in { padding: 22px 24px 20px; font-size: 14.5px; }
.card-demo h4 { font-size: 18px; margin-bottom: 14px; }
.card-demo dl { margin: 0 0 14px; display: grid; grid-template-columns: 130px 1fr; gap: 3px 12px; }
.card-demo dt { color: #7a8797; }
.card-demo dd { margin: 0; color: var(--heading); font-weight: 600; }
.card-demo table { width: 100%; border-collapse: collapse; margin-bottom: 14px; }
.card-demo td { padding: 8px 0; border-top: 1px solid var(--line); vertical-align: top; }
.card-demo td:last-child { text-align: right; white-space: nowrap; padding-left: 10px; }
.badge { display: inline-block; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: #fff; padding: 3px 9px; border-radius: 2px; }
.b-ok { background: var(--green); } .b-warn { background: var(--orange); } .b-bad { background: var(--red); }
.card-demo .sum { background: #eef6ff; border-left: 4px solid var(--blue); padding: 12px 14px; font-size: 14px; }
.card-demo .sum b { color: var(--navy); }
.card-demo .note { margin: 12px 0 0; font-size: 12px; color: #8a94a3; }

/* kroki */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.step { text-align: center; }
.step .num { width: 64px; height: 64px; border-radius: 50%; background: var(--blue); color: #fff; font-family: var(--head-font); font-weight: 800; font-size: 26px; display: flex; align-items: center; justify-content: center; margin: 0 auto 18px; box-shadow: 0 0 0 8px #dcebfa; }
.step h3 { font-size: 18px; margin-bottom: 8px; }
.step p { margin: 0; font-size: 15px; }

/* kafelki */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.box { background: #fff; border: 1px solid var(--line); border-radius: 3px; padding: 32px 28px; transition: box-shadow .2s, transform .2s; position: relative; }
.box:hover { box-shadow: 0 10px 28px rgba(20, 32, 47, .1); transform: translateY(-3px); }
.box .ico { font-size: 30px; color: var(--blue); margin-bottom: 16px; }
.box h3 { font-size: 18px; margin-bottom: 10px; }
.box p { margin: 0; font-size: 15px; }
.box .tag { position: absolute; top: 14px; right: 14px; background: var(--orange); color: #fff; font-size: 10.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; padding: 3px 8px; border-radius: 2px; }

/* pytania */
.faq { max-width: 820px; margin: 0 auto; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 3px; margin-bottom: 12px; }
.faq summary { cursor: pointer; padding: 18px 54px 18px 22px; font-family: var(--head-font); font-weight: 600; font-size: 16px; color: var(--heading); list-style: none; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); font-size: 24px; font-weight: 400; color: var(--blue); }
.faq details[open] summary::after { content: "\2212"; }
.faq details[open] summary { border-bottom: 1px solid var(--line); }
.faq .ans { padding: 16px 22px 20px; }
.faq .ans p { margin: 0; }

/* pasek z wezwaniem */
.cta { background: var(--blue); color: #fff; padding: 56px 0; text-align: center; }
.cta h2 { color: #fff; font-size: 28px; margin-bottom: 10px; }
.cta p { margin: 0 0 26px; color: #e0eefc; font-size: 17px; }

/* kontakt */
.contact-grid { display: grid; grid-template-columns: 7fr 5fr; gap: 40px; align-items: start; }
.panel { background: #fff; border: 1px solid var(--line); border-radius: 3px; padding: 34px; box-shadow: 0 6px 22px rgba(20, 32, 47, .06); }
.panel h3 { font-size: 20px; margin-bottom: 20px; }
form { display: grid; gap: 14px; }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
label { display: block; font-size: 13px; font-weight: 600; color: var(--heading); margin-bottom: 5px; }
input, textarea { width: 100%; font: inherit; font-size: 15px; color: var(--heading); background: #fff; border: 1px solid #cdd5df; border-radius: 3px; padding: 11px 13px; }
textarea { min-height: 120px; resize: vertical; }
input:focus, textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(30, 136, 229, .15); }
.hp { position: absolute; left: -9999px; height: 0; width: 0; opacity: 0; }
.msg { margin: 0; font-size: 14.5px; min-height: 1.3em; }
.msg.ok { color: var(--green); font-weight: 600; } .msg.err { color: var(--red); font-weight: 600; }
.fine { font-size: 12.5px; color: #8a94a3; margin: 0; line-height: 1.5; }
.info-list { list-style: none; margin: 0 0 26px; padding: 0; }
.info-list li { display: flex; gap: 14px; margin-bottom: 18px; align-items: flex-start; }
.info-list i { width: 40px; height: 40px; flex: none; border-radius: 50%; background: #e8f2fd; color: var(--blue); display: flex; align-items: center; justify-content: center; font-size: 16px; }
.info-list b { display: block; color: var(--heading); font-family: var(--head-font); font-size: 14px; }
.guide-box { background: var(--navy); color: #d5dfeb; border-radius: 3px; padding: 26px; }
.guide-box h4 { color: #fff; font-size: 17px; margin-bottom: 8px; }
.guide-box p { margin: 0 0 14px; font-size: 14.5px; }
.guide-box form { grid-template-columns: 1fr auto; gap: 10px; }
.guide-box .msg { grid-column: 1 / -1; color: #d5dfeb; }
.guide-box .msg.ok { color: #7fe0a4; } .guide-box .msg.err { color: #ffb0a8; }
.guide-box .btn { padding: 11px 18px; }

/* stopka */
footer { background: var(--navy-dark); color: #9fadbf; font-size: 14.5px; }
footer .cols { display: grid; grid-template-columns: 5fr 3fr 4fr; gap: 40px; padding: 60px 0 40px; }
footer h4 { color: #fff; font-size: 15px; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 18px; }
footer p { margin: 0 0 10px; }
footer ul { list-style: none; margin: 0; padding: 0; }
footer li { margin-bottom: 9px; }
footer a { color: #c8d3e0; }
footer a:hover { color: #fff; }
footer .logo { color: #fff; margin-bottom: 14px; }
footer .copy { border-top: 1px solid #263649; padding: 18px 0; font-size: 13px; text-align: center; }

@media (max-width: 960px) {
  .hero h1 { font-size: 36px; }
  .two-col, .contact-grid { grid-template-columns: 1fr; gap: 36px; }
  .steps { grid-template-columns: 1fr 1fr; }
  .cards { grid-template-columns: 1fr 1fr; }
  footer .cols { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  body { font-size: 15.5px; }
  .topbar .right { display: none; }
  .burger { display: block; }
  .menu { display: none; position: absolute; left: 0; right: 0; top: 72px; background: #fff; flex-direction: column; align-items: stretch; gap: 0; padding: 8px 20px 18px; box-shadow: 0 10px 20px rgba(20, 32, 47, .12); }
  .menu.open { display: flex; }
  .menu li { border-bottom: 1px solid var(--line); }
  .menu a { display: block; padding: 14px 0; }
  .menu li:last-child { border: 0; padding-top: 14px; }
  .menu a.btn { text-align: center; padding: 12px; }
  .hero { padding: 70px 0 130px; }
  .hero h1 { font-size: 29px; }
  .hero p { font-size: 17px; }
  .pillars .grid { grid-template-columns: 1fr; }
  .pillar { border-right: 0; border-bottom: 1px solid var(--line); padding: 26px 22px; }
  .pillar:last-child { border-bottom: 0; }
  section { padding: 60px 0; }
  .sec-title h2, .two-col h2 { font-size: 25px; }
  .steps, .cards, footer .cols { grid-template-columns: 1fr; }
  .row2 { grid-template-columns: 1fr; }
  .panel { padding: 24px 20px; }
  .guide-box form { grid-template-columns: 1fr; }
  .card-demo dl { grid-template-columns: 105px 1fr; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .box { transition: none; } }

.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.card-demo small { color: #7a8797; font-weight: 400; }

/* strona prawna */
.legal { max-width: 820px; padding: 0; }
.legal h1 { font-size: 34px; margin-bottom: 6px; }
.legal .upd { color: #8a94a3; font-size: 14px; margin: 0 0 30px; }
.legal h2 { font-size: 20px; margin: 34px 0 10px; }
.legal p { margin: 0 0 14px; }
.legal .firm { border-collapse: collapse; width: 100%; font-size: 15.5px; }
.legal .firm td { padding: 10px 14px 10px 0; border-top: 1px solid #e3e8ee; vertical-align: top; }
.legal .firm td:first-child { width: 170px; color: #7a8797; }
footer .copy a { color: #c8d3e0; text-decoration: underline; }

/* baner cookies */
.cc { position: fixed; left: 0; right: 0; bottom: 0; z-index: 100; background: #fff; border-top: 3px solid var(--blue); box-shadow: 0 -6px 24px rgba(20, 32, 47, .16); }
.cc-in { max-width: 1140px; margin: 0 auto; padding: 16px 20px; display: flex; align-items: center; gap: 24px; }
.cc-txt { margin: 0; font-size: 14.5px; line-height: 1.55; flex: 1; color: var(--text); }
.cc-txt b { color: var(--heading); }
.cc-btns { display: flex; gap: 10px; flex: none; }
.cc button { font-family: var(--head-font); font-weight: 700; font-size: 13px; text-transform: uppercase; letter-spacing: .8px; padding: 12px 24px; border-radius: 3px; cursor: pointer; border: 2px solid var(--blue); }
.cc .cc-yes { background: var(--blue); color: #fff; }
.cc .cc-yes:hover { background: var(--blue-dark); border-color: var(--blue-dark); }
.cc .cc-no { background: #fff; color: var(--blue-dark); }
.cc .cc-no:hover { background: #e8f2fd; }
@media (max-width: 760px) { .cc-in { flex-direction: column; align-items: stretch; gap: 12px; } .cc-btns button { flex: 1; } }