/* =========================================================
   Ubezpieczenia Paweł Wilczyński — arkusz stylów
   Paleta: błękit z logo (#57a6da), granat, szarości, biel
   ========================================================= */

/* ---------- Fonty (self-hosted, bez CDN) ---------- */
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url('../fonts/inter-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url('../fonts/inter-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Jakarta';
  font-style: normal;
  font-weight: 600 800;
  font-display: swap;
  src: url('../fonts/jakarta-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Jakarta';
  font-style: normal;
  font-weight: 600 800;
  font-display: swap;
  src: url('../fonts/jakarta-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* ---------- Zmienne ---------- */
:root {
  --brand-50:  #f1f7fc;
  --brand-100: #ddedf8;
  --brand-200: #bcdcf1;
  --brand-300: #8ec5e6;
  --brand-400: #57a6da;   /* kolor z logo */
  --brand-500: #3a8ec8;
  --brand-600: #2b74ab;
  --brand-700: #235c88;

  --navy-900: #0c1a26;
  --navy-800: #14212e;
  --navy-700: #1d3446;

  --ink:      #16222e;
  --slate-700:#3f4d5a;
  --slate-500:#6a7885;
  --slate-400:#8d99a5;

  --line:     #e3eaf1;
  --line-soft:#eef3f8;
  --bg:       #ffffff;
  --bg-soft:  #f6f9fc;
  --bg-tint:  #eff6fc;

  --logo-blue: var(--brand-400);
  --logo-ink:  var(--navy-800);

  --font-body: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-display: 'Jakarta', 'Inter', system-ui, sans-serif;

  --radius-sm: 10px;
  --radius:    16px;
  --radius-lg: 22px;

  --shadow-xs: 0 1px 2px rgba(16, 34, 48, .06);
  --shadow-sm: 0 2px 8px rgba(16, 34, 48, .06);
  --shadow:    0 10px 30px -12px rgba(16, 34, 48, .18);
  --shadow-lg: 0 28px 60px -24px rgba(16, 34, 48, .30);

  --wrap: 1180px;
  --gutter: clamp(20px, 5vw, 44px);
  --section-y: clamp(72px, 9vw, 128px);

  --ease: cubic-bezier(.22, .61, .36, 1);
}

/* ---------- Reset / baza ---------- */
*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: 92px;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--slate-700);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img, svg, iframe { display: block; max-width: 100%; }
img { height: auto; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--ink);
  line-height: 1.12;
  letter-spacing: -.02em;
  margin: 0 0 .5em;
  font-weight: 700;
  text-wrap: balance;
}

h1 { font-size: clamp(2.35rem, 5.4vw, 4rem); font-weight: 800; letter-spacing: -.032em; }
h2 { font-size: clamp(1.95rem, 3.8vw, 3rem); letter-spacing: -.028em; }
h3 { font-size: clamp(1.15rem, 1.7vw, 1.4rem); }

p { margin: 0 0 1.1em; }
p:last-child { margin-bottom: 0; }

a { color: var(--brand-700); text-decoration-color: color-mix(in srgb, var(--brand-700) 35%, transparent); text-underline-offset: 3px; }
a:hover { color: var(--brand-600); }

ul, ol { margin: 0; padding: 0; list-style: none; }

:focus-visible {
  outline: 3px solid var(--brand-400);
  outline-offset: 3px;
  border-radius: 4px;
}

::selection { background: var(--brand-200); color: var(--navy-900); }

/* ---------- Układ ---------- */
.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.section { padding-block: var(--section-y); }
.section--soft { background: var(--bg-soft); }
.section--tint { background: linear-gradient(180deg, var(--bg-tint), #fff); }

.section__head { max-width: 720px; margin-bottom: clamp(38px, 5vw, 64px); }
.section__head--center { margin-inline: auto; text-align: center; }
.section__head p { font-size: 1.08rem; color: var(--slate-500); margin-bottom: 0; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--brand-600);
  margin-bottom: 18px;
}
.eyebrow::before {
  content: '';
  width: 26px;
  height: 2px;
  border-radius: 2px;
  background: var(--brand-400);
}
.section__head--center .eyebrow::after {
  content: '';
  width: 26px;
  height: 2px;
  border-radius: 2px;
  background: var(--brand-400);
}

.lead { font-size: 1.12rem; color: var(--slate-500); }

/* ---------- Przyciski ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 26px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-family: var(--font-display);
  font-size: .98rem;
  font-weight: 700;
  letter-spacing: -.01em;
  text-decoration: none;
  cursor: pointer;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background-color .2s, color .2s, border-color .2s;
  white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; flex: none; }

.btn--primary {
  background: linear-gradient(135deg, var(--brand-500), var(--brand-600));
  color: #fff;
  box-shadow: 0 10px 24px -10px rgba(43, 116, 171, .75);
}
.btn--primary:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 16px 32px -12px rgba(43, 116, 171, .85); }

.btn--ghost {
  background: rgba(255, 255, 255, .1);
  border-color: rgba(255, 255, 255, .45);
  color: #fff;
  backdrop-filter: blur(6px);
}
.btn--ghost:hover { background: rgba(255, 255, 255, .95); color: var(--navy-800); transform: translateY(-2px); }

.btn--outline {
  background: #fff;
  border-color: var(--line);
  color: var(--ink);
  box-shadow: var(--shadow-xs);
}
.btn--outline:hover { border-color: var(--brand-300); color: var(--brand-700); transform: translateY(-2px); }

.btn--block { width: 100%; }
.btn--lg { padding: 17px 32px; font-size: 1.03rem; }

/* ---------- Nagłówek ---------- */
.header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 100;
  transition: background-color .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
  border-bottom: 1px solid transparent;
}
.header__inner {
  display: flex;
  align-items: center;
  gap: 24px;
  height: 84px;
  transition: height .35s var(--ease);
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  margin-right: auto;
  flex: none;
}
/* currentColor steruje ciemną figurą logo — na przezroczystym nagłówku
   musi być biała, bo inaczej ginie na tle hero */
.header .brand { color: #fff; }
.brand svg { width: 42px; height: 40px; flex: none; transition: width .35s var(--ease), height .35s var(--ease); }
.brand__text { display: flex; flex-direction: column; line-height: 1.15; }
.brand__name {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.03rem;
  letter-spacing: -.02em;
  color: #fff;
  transition: color .35s;
}
.brand__tag {
  font-size: .7rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  font-weight: 600;
  color: rgba(255, 255, 255, .72);
  transition: color .35s;
}

.nav { display: flex; align-items: center; gap: 4px; }
.nav a {
  display: block;
  padding: 9px 14px;
  border-radius: 999px;
  font-size: .95rem;
  font-weight: 500;
  color: rgba(255, 255, 255, .88);
  text-decoration: none;
  white-space: nowrap;
  transition: background-color .2s, color .2s;
}
/* numer telefonu jest już w .header__cta — w poziomym menu byłby dublem */
.nav .nav__cta { display: none; }
.nav a:hover { background: rgba(255, 255, 255, .14); color: #fff; }

.header__cta {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  white-space: nowrap;
  padding: 12px 22px;
  border-radius: 999px;
  background: var(--brand-400);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .95rem;
  text-decoration: none;
  transition: background-color .2s, transform .25s var(--ease), box-shadow .25s var(--ease);
  box-shadow: 0 8px 20px -10px rgba(87, 166, 218, .9);
}
.header__cta:hover { background: var(--brand-500); color: #fff; transform: translateY(-2px); }
.header__cta svg { width: 17px; height: 17px; }

/* stan po przewinięciu */
.header.is-stuck {
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(14px) saturate(1.4);
  border-bottom-color: var(--line);
  box-shadow: 0 6px 24px -18px rgba(16, 34, 48, .5);
}
.header.is-stuck .header__inner { height: 70px; }
.header.is-stuck .brand svg { width: 36px; height: 34px; }
.header.is-stuck .brand { color: var(--ink); }
.header.is-stuck .brand__name { color: var(--ink); }
.header.is-stuck .brand__tag { color: var(--slate-500); }
.header.is-stuck .nav a { color: var(--slate-700); }
.header.is-stuck .nav a:hover { background: var(--brand-50); color: var(--brand-700); }

/* hamburger */
.burger {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(255, 255, 255, .35);
  background: rgba(255, 255, 255, .1);
  border-radius: 14px;
  cursor: pointer;
  padding: 0;
  place-items: center;
  transition: background-color .2s, border-color .2s;
}
.burger span {
  display: block;
  width: 19px;
  height: 2px;
  border-radius: 2px;
  background: #fff;
  transition: transform .3s var(--ease), opacity .2s;
}
.burger span + span { margin-top: 5px; }
.header.is-stuck .burger { border-color: var(--line); background: #fff; }
.header.is-stuck .burger span { background: var(--ink); }

.burger[aria-expanded='true'] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded='true'] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded='true'] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: min(94vh, 900px);
  display: flex;
  align-items: flex-end;
  padding-top: 140px;
  padding-bottom: clamp(40px, 6vw, 76px);
  isolation: isolate;
  overflow: hidden;
}
.hero__media {
  position: absolute;
  inset: 0;
  z-index: -2;
}
.hero__media img { width: 100%; height: 100%; object-fit: cover; }
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(180deg, rgba(9, 20, 30, .82) 0%, rgba(9, 20, 30, .42) 34%, rgba(9, 20, 30, .72) 74%, rgba(9, 20, 30, .93) 100%),
    linear-gradient(115deg, rgba(35, 92, 136, .55), rgba(9, 20, 30, 0) 62%);
}

.hero__inner { width: 100%; }
.hero__badge {
  /* inline-block, nie inline-flex: w flexie każdy fragment tekstu staje się
     osobnym elementem i na wąskim ekranie badge rozjeżdża się na kolumny */
  display: inline-block;
  padding: 8px 16px 8px 10px;
  border-radius: 999px;
  background: rgba(255, 255, 255, .12);
  border: 1px solid rgba(255, 255, 255, .22);
  backdrop-filter: blur(8px);
  color: #fff;
  font-size: .85rem;
  font-weight: 500;
  margin-bottom: 26px;
}
.hero__badge b { font-weight: 700; }
.hero__dot {
  display: inline-block;
  vertical-align: middle;
  width: 8px; height: 8px; border-radius: 50%;
  background: #6ee7a8;
  box-shadow: 0 0 0 4px rgba(110, 231, 168, .22);
  margin: 0 9px 0 4px;
}

.hero h1 { color: #fff; max-width: 15ch; margin-bottom: 22px; }
.hero h1 em { font-style: normal; color: var(--brand-300); }
.hero__sub {
  color: rgba(255, 255, 255, .8);
  font-size: clamp(1.03rem, 1.5vw, 1.2rem);
  max-width: 56ch;
  margin-bottom: 34px;
}
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; }

/* pasek zaufania */
.trust {
  margin-top: clamp(44px, 6vw, 76px);
  padding-top: clamp(28px, 3vw, 38px);
  border-top: 1px solid rgba(255, 255, 255, .18);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.trust__item { color: rgba(255, 255, 255, .74); font-size: .92rem; line-height: 1.45; }
.trust__num {
  display: block;
  font-family: var(--font-display);
  font-size: 1.75rem;
  font-weight: 800;
  letter-spacing: -.03em;
  color: #fff;
  margin-bottom: 4px;
}

/* ---------- O mnie ---------- */
.about {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: clamp(36px, 6vw, 76px);
  align-items: center;
}
.about__media { position: relative; }
.about__media img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  aspect-ratio: 5 / 4;
  object-fit: cover;
}
.about__media::before {
  content: '';
  position: absolute;
  inset: auto -18px -18px auto;
  width: 62%;
  height: 62%;
  border-radius: var(--radius-lg);
  background: var(--brand-100);
  z-index: -1;
}
.about__stamp {
  position: absolute;
  left: -14px;
  bottom: 26px;
  background: #fff;
  border-radius: var(--radius);
  padding: 16px 22px;
  box-shadow: var(--shadow);
  border: 1px solid var(--line-soft);
}
.about__stamp b {
  display: block;
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--brand-600);
  letter-spacing: -.03em;
  line-height: 1;
}
.about__stamp span { font-size: .82rem; color: var(--slate-500); }

.facts {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 14px;
  margin-top: 32px;
}
.facts li {
  background: var(--bg-soft);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  font-size: .9rem;
  color: var(--slate-700);
}
.facts b { display: block; font-family: var(--font-display); color: var(--ink); font-size: .95rem; }

/* ---------- Karty oferty ---------- */
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(18px, 2vw, 26px);
}
.card {
  position: relative;
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  text-decoration: none;
  color: inherit;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .3s;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--brand-200); color: inherit; }
.card__media { aspect-ratio: 4 / 3; overflow: hidden; background: var(--bg-soft); }
.card__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .7s var(--ease); }
.card:hover .card__media img { transform: scale(1.06); }
.card__body { padding: 26px 26px 28px; display: flex; flex-direction: column; flex: 1; }
.card h3 { margin-bottom: 8px; }
.card p { font-size: .96rem; color: var(--slate-500); }
.card__more {
  margin-top: auto;
  padding-top: 18px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .92rem;
  color: var(--brand-600);
}
.card__more svg { width: 16px; height: 16px; transition: transform .3s var(--ease); }
.card:hover .card__more svg { transform: translateX(4px); }

/* mniejsze kafle */
.tiles {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(14px, 1.6vw, 20px);
  margin-top: clamp(18px, 2vw, 26px);
}
.tile {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  text-decoration: none;
  color: inherit;
  transition: transform .3s var(--ease), border-color .3s, box-shadow .3s var(--ease);
}
.tile:hover { transform: translateY(-4px); border-color: var(--brand-200); box-shadow: var(--shadow); color: inherit; }
.tile__icon {
  flex: none;
  width: 46px;
  height: 46px;
  display: grid;
  place-items: center;
  border-radius: 13px;
  background: var(--brand-50);
  color: var(--brand-600);
  transition: background-color .3s, color .3s;
}
.tile:hover .tile__icon { background: var(--brand-400); color: #fff; }
.tile__icon svg { width: 23px; height: 23px; }
.tile h3 { font-size: 1.03rem; margin-bottom: 4px; }
.tile p { font-size: .89rem; color: var(--slate-500); line-height: 1.55; }

/* ---------- Proces ---------- */
.steps {
  --steps-gap: clamp(24px, 3vw, 44px);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--steps-gap);
  counter-reset: step;
  position: relative;
}
.step { position: relative; text-align: center; }
.step__num {
  width: 56px;
  height: 56px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--brand-600);
  margin: 0 auto 22px;
  position: relative;
  z-index: 1;
}
.step:not(:last-child)::before {
  content: '';
  position: absolute;
  top: 28px;                                        /* połowa wysokości kółka */
  /* od prawej krawędzi własnego kółka do lewej krawędzi następnego:
     28px to promień, 6px odstęp, procenty liczą się od szerokości kroku */
  left: calc(50% + 34px);
  right: calc(34px - 50% - var(--steps-gap));
  height: 1px;
  background: repeating-linear-gradient(90deg, var(--brand-200) 0 7px, transparent 7px 14px);
}
.step h3 { margin-bottom: 8px; }
.step p { font-size: .97rem; color: var(--slate-500); }

/* ---------- Towarzystwa ---------- */
.insurers {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
}
.insurers li {
  padding: 13px 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 999px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .98rem;
  letter-spacing: -.01em;
  color: var(--slate-700);
  transition: transform .3s var(--ease), border-color .3s, color .3s, box-shadow .3s;
}
.insurers li:hover { transform: translateY(-3px); border-color: var(--brand-300); color: var(--brand-700); box-shadow: var(--shadow-sm); }
.insurers-note { text-align: center; margin-top: 26px; font-size: .89rem; color: var(--slate-400); }

/* ---------- Kontakt ---------- */
.contact {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: clamp(28px, 4vw, 52px);
  align-items: start;
}

.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(26px, 3.2vw, 40px);
  box-shadow: var(--shadow);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 7px; }
.field--full { grid-column: 1 / -1; }
.field label {
  font-family: var(--font-display);
  font-size: .87rem;
  font-weight: 700;
  color: var(--ink);
}
.field label .req { color: var(--brand-500); }
.field input,
.field textarea {
  font-family: inherit;
  font-size: 1rem;
  color: var(--ink);
  padding: 13px 16px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--bg-soft);
  transition: border-color .2s, background-color .2s, box-shadow .2s;
  width: 100%;
}
.field textarea { resize: vertical; min-height: 130px; line-height: 1.6; }
.field input::placeholder,
.field textarea::placeholder { color: var(--slate-400); }
.field input:focus,
.field textarea:focus {
  outline: none;
  background: #fff;
  border-color: var(--brand-400);
  box-shadow: 0 0 0 4px var(--brand-100);
}
.field input:user-invalid,
.field textarea:user-invalid { border-color: #d9695f; box-shadow: 0 0 0 4px #fbe9e7; }

.consent {
  grid-column: 1 / -1;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: .84rem;
  color: var(--slate-500);
  line-height: 1.55;
}
.consent input {
  flex: none;
  width: 20px;
  height: 20px;
  margin-top: 2px;
  accent-color: var(--brand-500);
  cursor: pointer;
}
.form-foot { grid-column: 1 / -1; display: flex; flex-wrap: wrap; align-items: center; gap: 16px; margin-top: 4px; }
.form-foot .note { font-size: .82rem; color: var(--slate-400); }
.hp { position: absolute; left: -9999px; opacity: 0; pointer-events: none; }

.contact-card {
  background: var(--navy-800);
  color: rgba(255, 255, 255, .78);
  border-radius: var(--radius-lg);
  padding: clamp(26px, 3.2vw, 38px);
  position: relative;
  overflow: hidden;
}
.contact-card::before {
  content: '';
  position: absolute;
  top: -70px; right: -70px;
  width: 220px; height: 220px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(87, 166, 218, .35), transparent 70%);
}
.contact-card h3 { color: #fff; font-size: 1.3rem; margin-bottom: 22px; position: relative; }
.contact-list { display: grid; gap: 20px; position: relative; }
.contact-list li { display: flex; gap: 14px; align-items: flex-start; }
.contact-list .ico {
  flex: none;
  width: 40px; height: 40px;
  display: grid; place-items: center;
  border-radius: 12px;
  background: rgba(255, 255, 255, .09);
  color: var(--brand-300);
}
.contact-list .ico svg { width: 19px; height: 19px; }
.contact-list dt {
  font-size: .74rem;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .5);
  font-weight: 600;
  margin-bottom: 2px;
}
.contact-list dd { margin: 0; font-size: 1rem; color: #fff; line-height: 1.5; }
.contact-list dd a { color: #fff; text-decoration: none; font-weight: 600; }
.contact-list dd a:hover { color: var(--brand-300); text-decoration: underline; }
.contact-list dd small { display: block; font-size: .85rem; color: rgba(255, 255, 255, .62); font-weight: 400; }

.legal-box {
  margin-top: 26px;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, .12);
  font-size: .84rem;
  color: rgba(255, 255, 255, .55);
  position: relative;
}
.legal-box a { color: rgba(255, 255, 255, .8); }

.map {
  margin-top: clamp(34px, 4vw, 56px);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  background: var(--bg-soft);
}
.map iframe { width: 100%; height: clamp(300px, 42vw, 460px); border: 0; }

/* ---------- Stopka ---------- */
.footer {
  background: var(--navy-900);
  color: rgba(255, 255, 255, .6);
  padding-block: clamp(48px, 6vw, 76px) 32px;
  font-size: .92rem;
}
.footer__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1.2fr;
  gap: clamp(28px, 4vw, 60px);
  padding-bottom: 38px;
  border-bottom: 1px solid rgba(255, 255, 255, .1);
}
.footer .brand__name { color: #fff; }
.footer .brand__tag { color: rgba(255, 255, 255, .5); }
.footer__about { margin-top: 18px; max-width: 42ch; line-height: 1.7; }
.footer h4 {
  font-family: var(--font-display);
  font-size: .78rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: #fff;
  margin-bottom: 16px;
}
.footer nav ul { display: grid; gap: 10px; }
.footer a { color: rgba(255, 255, 255, .68); text-decoration: none; }
.footer a:hover { color: var(--brand-300); text-decoration: underline; }
.footer__bottom {
  padding-top: 26px;
  display: flex;
  flex-wrap: wrap;
  gap: 12px 26px;
  justify-content: space-between;
  font-size: .85rem;
  color: rgba(255, 255, 255, .45);
}

/* ---------- Mobilny pasek „Zadzwoń" ---------- */
.callbar {
  position: fixed;
  z-index: 95;
  left: 12px; right: 12px; bottom: 12px;
  display: none;
  gap: 10px;
  padding: 10px;
  background: rgba(255, 255, 255, .93);
  backdrop-filter: blur(14px);
  border: 1px solid var(--line);
  border-radius: 18px;
  box-shadow: 0 14px 34px -14px rgba(16, 34, 48, .45);
  transform: translateY(140%);
  transition: transform .4s var(--ease);
}
.callbar.is-visible { transform: translateY(0); }
.callbar .btn { flex: 1; padding: 13px 14px; font-size: .93rem; }

/* ---------- Animacje wejścia ---------- */
.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
  transition-delay: var(--d, 0ms);
}
.reveal.is-in { opacity: 1; transform: none; }

/* ---------- Strony pomocnicze ---------- */
.page {
  padding-top: 150px;
  padding-bottom: var(--section-y);
  min-height: 70vh;
}
.page__inner { max-width: 760px; }
.page h2 { font-size: clamp(1.3rem, 2.2vw, 1.6rem); margin-top: 2em; }
.page h2:first-of-type { margin-top: 1.2em; }
.page ul { list-style: disc; padding-left: 1.3em; margin-bottom: 1.1em; }
.page li { margin-bottom: .4em; }
.page--center { display: grid; place-items: center; text-align: center; }
.page--center .icon-ok {
  width: 84px; height: 84px;
  display: grid; place-items: center;
  border-radius: 50%;
  background: var(--brand-50);
  color: var(--brand-500);
  margin: 0 auto 28px;
}
.page--center .icon-ok svg { width: 40px; height: 40px; }

/* nagłówek na podstronach jest od razu jasny */
.header--solid {
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(14px) saturate(1.4);
  border-bottom-color: var(--line);
}
.header--solid .brand { color: var(--ink); }
.header--solid .brand__name { color: var(--ink); }
.header--solid .brand__tag { color: var(--slate-500); }
.header--solid .nav a { color: var(--slate-700); }
.header--solid .nav a:hover { background: var(--brand-50); color: var(--brand-700); }
.header--solid .burger { border-color: var(--line); background: #fff; }
.header--solid .burger span { background: var(--ink); }

/* =========================================================
   RESPONSYWNOŚĆ
   ========================================================= */

@media (max-width: 1080px) {
  .tiles { grid-template-columns: repeat(2, 1fr); }
  .contact { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  html { scroll-padding-top: 80px; }

  .nav,
  .header__cta { display: none; }
  .burger { display: grid; }

  /* menu mobilne */
  .nav {
    position: fixed;
    inset: 0 0 auto;
    top: 0;
    padding: 100px var(--gutter) 32px;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    gap: 2px;
    box-shadow: var(--shadow-lg);
    border-bottom: 1px solid var(--line);
    transform: translateY(-102%);
    transition: transform .42s var(--ease);
  }
  .nav.is-open { display: flex; transform: translateY(0); }
  .nav a { color: var(--slate-700); font-size: 1.08rem; padding: 14px 12px; border-radius: 12px; }
  .nav a:hover { background: var(--brand-50); }
  .nav .nav__cta {
    display: block;
    margin-top: 14px;
    background: var(--brand-500);
    color: #fff;
    text-align: center;
    font-family: var(--font-display);
    font-weight: 700;
  }
  .nav .nav__cta:hover { background: var(--brand-600); color: #fff; }

  .hero { min-height: auto; padding-top: 128px; }
  .trust { grid-template-columns: repeat(2, 1fr); gap: 22px; }

  .about { grid-template-columns: 1fr; }
  .about__media { order: -1; max-width: 560px; }

  .cards { grid-template-columns: 1fr; }
  .card { flex-direction: row; align-items: stretch; }
  .card__media { aspect-ratio: auto; width: 38%; flex: none; }
  .card__body { padding: 22px; }

  .steps { grid-template-columns: 1fr; gap: 26px; }
  .step:not(:last-child)::before { display: none; }
  .step__num { margin-bottom: 14px; }

  .callbar { display: flex; }
  .footer__grid { grid-template-columns: 1fr; }
}

@media (max-width: 620px) {
  body { font-size: 16px; }
  .hero h1 { max-width: none; }
  .hero__actions .btn { flex: 1 1 100%; }
  .trust { grid-template-columns: 1fr 1fr; }
  .trust__num { font-size: 1.45rem; }

  .card { flex-direction: column; }
  .card__media { width: 100%; aspect-ratio: 16 / 10; }

  .tiles { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .about__stamp { left: 12px; bottom: 12px; padding: 12px 18px; }
  .insurers li { padding: 11px 18px; font-size: .92rem; }
  .footer__bottom { flex-direction: column; }
}

/* ---------- Dostępność / preferencje ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
  .reveal { opacity: 1; transform: none; }
}

@media print {
  .header, .callbar, .map, .hero__media { display: none; }
  body { color: #000; }
}