:root {
  /* Grafit + szampańskie złoto: nowoczesny, biznesowy kierunek (korekta Krystiana 2026-10-27, bez niebieskiego) */
  --ink: #0f1217;           /* tło hero i kontaktu */
  --ink-2: #171b22;
  --ink-3: #232833;
  --text: #1b1f27;
  --muted: #5d6573;
  --muted-light: #a7afbd;
  --line: #e4e2dc;
  --line-dark: rgba(255,255,255,.1);
  --bg: #ffffff;
  --bg-soft: #f6f5f1;
  --gold: #c9a463;          /* akcent */
  --gold-strong: #b58e4b;
  --gold-soft: #f4ecdd;
  --warn-bg: #fbf6ec;
  --warn-line: #e6d3ad;
  --radius: 16px;
  --shadow: 0 1px 2px rgba(15,18,23,.04), 0 12px 32px rgba(15,18,23,.06);
  --display: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --wrap: 1180px;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body { margin: 0; font-family: var(--sans); font-size: 17px; line-height: 1.65; color: var(--text); background: var(--bg); -webkit-font-smoothing: antialiased; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--text); text-decoration-color: var(--gold); text-underline-offset: 3px; }
a:hover { color: var(--gold-strong); }
h1, h2, h3 { font-family: var(--display); color: var(--text); line-height: 1.12; margin: 0 0 .55em; font-weight: 800; letter-spacing: -.02em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.6rem); letter-spacing: -.03em; }
h2 { font-size: clamp(1.75rem, 3.2vw, 2.6rem); }
h3 { font-size: 1.2rem; letter-spacing: -.01em; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.section { padding: 104px 0; }
.section.soft { background: var(--bg-soft); }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; font-size: .74rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-strong); margin-bottom: 18px; }
.eyebrow::before { content: ""; width: 28px; height: 1px; background: currentColor; }
.lead { font-size: 1.12rem; color: var(--muted); max-width: 760px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 100; }
.skip:focus { left: 8px; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }

/* Przyciski */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 52px; padding: 12px 28px; border-radius: 10px; font-family: var(--sans); font-weight: 600; font-size: 1rem; text-decoration: none; border: 1px solid transparent; cursor: pointer; transition: background .2s, color .2s, border-color .2s, transform .2s, box-shadow .2s; }
.btn-primary { background: var(--gold); color: var(--ink); box-shadow: 0 8px 24px rgba(201,164,99,.25); }
.btn-primary:hover { background: #d6b578; color: var(--ink); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--text); border-color: #cfccc4; }
.btn-ghost:hover { border-color: var(--text); color: var(--text); }

/* Nagłówek */
.site-header { position: sticky; top: 0; z-index: 30; background: rgba(15,18,23,.94); backdrop-filter: saturate(180%) blur(12px); border-bottom: 1px solid var(--line-dark); }
.site-header .wrap { display: flex; align-items: center; gap: 28px; min-height: 80px; }
.brand { display: block; line-height: 0; }
.brand img { height: 60px; width: auto; }
.nav { display: flex; gap: 30px; margin-left: auto; }
.nav a { color: var(--muted-light); text-decoration: none; font-weight: 500; font-size: .94rem; transition: color .2s; }
.nav a:hover { color: #fff; }
.header-cta { padding: 10px 20px; min-height: 44px; font-size: .92rem; box-shadow: none; }
.header-phone { font-weight: 600; color: #fff; text-decoration: none; white-space: nowrap; font-size: .94rem; }

/* Hero */
.hero { position: relative; overflow: hidden; padding: 96px 0 104px; background: var(--ink); color: #e9ebef; }
.hero::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px); background-size: 64px 64px; mask-image: radial-gradient(ellipse 80% 70% at 70% 30%, #000 30%, transparent 75%); -webkit-mask-image: radial-gradient(ellipse 80% 70% at 70% 30%, #000 30%, transparent 75%); pointer-events: none; }
.hero::after { content: ""; position: absolute; width: 720px; height: 720px; right: -220px; top: -280px; background: radial-gradient(circle, rgba(201,164,99,.22), transparent 62%); pointer-events: none; }
.hero .wrap { position: relative; z-index: 1; }
.hero-grid > div { max-width: 780px; }
.hero h1 { color: #fff; }
.hero .eyebrow { color: var(--gold); }
.hero .lead { font-size: 1.14rem; color: var(--muted-light); }
.benefits { list-style: none; padding: 0; margin: 32px 0 36px; display: grid; gap: 14px; }
.benefits li { display: flex; gap: 14px; align-items: center; font-weight: 500; color: #fff; }
.icon { flex: 0 0 40px; width: 40px; height: 40px; border-radius: 10px; background: var(--gold-soft); color: var(--gold-strong); display: grid; place-items: center; }
.hero .icon { background: rgba(201,164,99,.14); color: var(--gold); border: 1px solid rgba(201,164,99,.3); }
.icon svg { width: 20px; height: 20px; }
.cta-row { display: flex; flex-wrap: wrap; gap: 14px; }
.hero .btn-ghost { color: #fff; border-color: rgba(255,255,255,.28); }
.hero .btn-ghost:hover { border-color: #fff; color: #fff; }
.cta-note { margin-top: 16px; font-size: .88rem; color: var(--muted-light); }
.insurer { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.insurer img { height: 48px; width: auto; background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 9px 14px; }

/* Kto za tym stoi */
.trust { background: #fff; border-bottom: 1px solid var(--line); padding: 48px 0 52px; }
.trust-head { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; margin-bottom: 28px; }
.trust-head h2 { font-size: .78rem; font-family: var(--sans); font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-strong); margin: 0; }
.trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); margin: 0; border-top: 1px solid var(--line); }
.trust-item { padding: 24px 28px 0 0; }
.trust-item + .trust-item { padding-left: 28px; border-left: 1px solid var(--line); }
.trust-item dt { font-size: .76rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }
.trust-item dd { margin: 0; color: var(--muted); font-size: .95rem; }
.trust-item dd strong { display: block; font-family: var(--display); font-weight: 700; font-size: 1.1rem; color: var(--text); margin-bottom: 6px; }

/* Problem */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.scenarios { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; counter-reset: sc; }
.scenarios li { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 16px 20px 16px 58px; position: relative; box-shadow: var(--shadow); }
.scenarios li::before { counter-increment: sc; content: "0" counter(sc); position: absolute; left: 20px; top: 17px; font-family: var(--display); font-weight: 800; font-size: .85rem; color: var(--gold-strong); }
.scenarios-label { font-size: .82rem; color: var(--muted); margin-bottom: 14px; text-transform: uppercase; letter-spacing: .08em; font-weight: 600; }
.callout { margin-top: 56px; background: var(--ink); color: var(--muted-light); border-radius: 20px; padding: 36px 40px; display: grid; grid-template-columns: 52px 1fr; gap: 22px; }
.callout h3 { color: #fff; margin-bottom: .35em; font-size: 1.35rem; }
.callout p { margin: 0; }
.callout .icon { width: 52px; height: 52px; background: rgba(201,164,99,.14); color: var(--gold); border: 1px solid rgba(201,164,99,.3); }

/* Zakres */
.clauses { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 16px; margin-top: 44px; }
.clause { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; position: relative; transition: transform .2s, box-shadow .2s, border-color .2s; }
.clause:hover { transform: translateY(-2px); box-shadow: var(--shadow); border-color: #d6d2c8; }
.clause .tag { display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: 10px; background: var(--ink); color: var(--gold); font-weight: 800; font-family: var(--display); margin-bottom: 16px; }
.clause.optional .tag { background: var(--bg-soft); color: var(--text); border: 1px solid var(--line); }
.clause .badge { position: absolute; top: 24px; right: 24px; font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--gold-strong); background: var(--gold-soft); padding: 4px 8px; border-radius: 6px; }
.clause.optional .badge { color: var(--muted); background: var(--bg-soft); }
.clause h3 { font-size: 1.05rem; }
.clause p { margin: 0; color: var(--muted); font-size: .95rem; }
.ext { margin-top: 80px; padding-top: 64px; border-top: 1px solid var(--line); }
.ext-list { list-style: none; padding: 0; margin: 28px 0 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px 40px; }
.ext-list li { display: flex; gap: 12px; align-items: flex-start; }
.check { flex: 0 0 22px; width: 22px; height: 22px; margin-top: 3px; border-radius: 6px; background: var(--gold-soft); color: var(--gold-strong); display: grid; place-items: center; }
.check svg { width: 13px; height: 13px; }
.note { font-size: .9rem; color: var(--muted); margin-top: 26px; }

/* Szczegóły */
.facts { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 16px; margin-top: 36px; }
.fact { background: #fff; border-radius: 14px; border: 1px solid var(--line); padding: 20px 22px; display: flex; gap: 14px; }
.fact p { margin: 0; }

/* Dla kogo */
.who { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.who li { display: flex; gap: 14px; align-items: flex-start; background: var(--bg-soft); border-radius: 12px; padding: 18px 20px; }

/* Wyłączenia */
.exclusions { list-style: none; padding: 0; margin: 28px 0 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.exclusions li { display: flex; gap: 12px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 16px 20px; }
.cross { flex: 0 0 22px; width: 22px; height: 22px; margin-top: 3px; border-radius: 6px; background: #eeece7; color: var(--text); display: grid; place-items: center; }
.cross svg { width: 11px; height: 11px; }
.docs { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }

/* Kroki */
.steps { list-style: none; padding: 0; margin: 48px 0 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; counter-reset: step; border: 1px solid var(--line); border-radius: 20px; overflow: hidden; }
.steps li { background: #fff; padding: 32px 28px; position: relative; border-right: 1px solid var(--line); }
.steps li:last-child { border-right: 0; }
.steps li::before { counter-increment: step; content: "0" counter(step); display: block; font-family: var(--display); font-weight: 800; font-size: 2.2rem; letter-spacing: -.03em; color: var(--gold); margin-bottom: 18px; line-height: 1; }
.steps h3 { font-size: 1.05rem; }
.steps p { margin: 0; color: var(--muted); font-size: .95rem; }

/* FAQ */
.faq { max-width: 840px; margin: 40px auto 0; border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 24px 48px 24px 0; font-family: var(--display); font-weight: 700; color: var(--text); position: relative; font-size: 1.08rem; letter-spacing: -.01em; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%); width: 30px; height: 30px; border-radius: 50%; border: 1px solid var(--line); display: grid; place-items: center; font-size: 1.1rem; color: var(--gold-strong); font-weight: 500; }
.faq details[open] summary::after { content: "−"; background: var(--ink); color: var(--gold); border-color: var(--ink); }
.faq details p { margin: 0 0 24px; color: var(--muted); }

/* Kontakt */
.contact { background: var(--ink); color: var(--muted-light); position: relative; overflow: hidden; }
.contact::after { content: ""; position: absolute; width: 640px; height: 640px; left: -240px; bottom: -320px; background: radial-gradient(circle, rgba(201,164,99,.16), transparent 62%); pointer-events: none; }
.contact .wrap { position: relative; z-index: 1; }
.contact h2 { color: #fff; }
.contact .lead { color: var(--muted-light); }
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 64px; align-items: start; }
.direct { margin-top: 32px; display: grid; gap: 8px; padding-top: 24px; border-top: 1px solid var(--line-dark); }
.direct a { color: #fff; font-weight: 600; text-decoration: none; font-size: 1.15rem; }
.direct a:hover { color: var(--gold); }
.direct span { color: var(--gold); font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; font-weight: 700; }
.form { background: #fff; color: var(--text); border-radius: 20px; padding: 36px; box-shadow: 0 30px 60px rgba(0,0,0,.35); }
.field { display: grid; gap: 6px; margin-bottom: 16px; }
.field label { font-weight: 600; font-size: .88rem; color: var(--text); }
.field input, .field textarea { font: inherit; font-size: 1rem; padding: 13px 14px; border: 1px solid #d7d4cc; border-radius: 10px; background: #fcfcfa; color: var(--text); width: 100%; transition: border-color .2s, box-shadow .2s; }
.field input:focus, .field textarea:focus { border-color: var(--gold-strong); outline: none; box-shadow: 0 0 0 4px rgba(201,164,99,.2); background: #fff; }
.field textarea { min-height: 96px; resize: vertical; }
.field .opt { font-weight: 400; color: var(--muted); }
.form .btn { width: 100%; margin-top: 6px; }
.form-note { font-size: .8rem; color: var(--muted); margin: 14px 0 0; }
.form-error { color: #b42318; font-size: .9rem; margin: 0 0 12px; }
.form-note a { color: inherit; }
.consents { border: 0; padding: 0; margin: 4px 0 18px; display: grid; gap: 12px; }
.consent { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; font-size: .74rem; line-height: 1.5; color: var(--muted); cursor: pointer; }
.consent input { width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--gold-strong); }
.consent input:focus-visible { outline: 3px solid rgba(201,164,99,.5); outline-offset: 2px; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.form-success h3 { margin-bottom: .4em; }
.form-success p { margin: 0; color: var(--muted); }
.form .btn:disabled { opacity: .7; cursor: progress; }

/* Stopka */
.site-footer { background: #0a0c10; color: #8b93a1; font-size: .86rem; padding: 44px 0 96px; border-top: 1px solid var(--line-dark); }
.site-footer p { margin: 0 0 10px; }
.footer-logo { display: block; height: 72px; width: auto; margin-bottom: 22px; }
.site-footer a, .site-footer button.linklike { color: #d5d9e0; text-decoration-color: rgba(201,164,99,.6); }
.site-footer a:hover, .site-footer button.linklike:hover { color: var(--gold); }
.footer-links { display: flex; flex-wrap: wrap; gap: 8px 24px; margin-top: 20px; }
button.linklike { background: none; border: 0; padding: 0; font: inherit; text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }

/* Mobilny pasek CTA */
.mobile-cta { display: none; }

@media (max-width: 980px) {
  .nav { display: none; }
  .header-phone { margin-left: auto; }
  .hero-grid, .two-col, .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .steps { grid-template-columns: 1fr 1fr; }
  .steps li:nth-child(2) { border-right: 0; }
  .steps li:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .ext-list, .exclusions { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .section { padding: 68px 0; }
  .hero { padding: 52px 0 64px; }
  .site-header .wrap { min-height: 66px; gap: 12px; }
  .brand img { height: 50px; }
  .header-cta { display: none; }
  .header-phone { font-size: .9rem; }
  .steps { grid-template-columns: 1fr; }
  .steps li { border-right: 0; border-bottom: 1px solid var(--line); }
  .steps li:last-child { border-bottom: 0; }
  .form { padding: 24px; }
  .callout { grid-template-columns: 1fr; padding: 26px; }
  .cta-row .btn { width: 100%; }
  .insurer img { height: 40px; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-item, .trust-item + .trust-item { padding: 20px 0; border-left: 0; }
  .trust-item + .trust-item { border-top: 1px solid var(--line); }
  .mobile-cta { display: flex; gap: 10px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 25; padding: 10px 16px calc(10px + env(safe-area-inset-bottom)); background: rgba(255,255,255,.96); backdrop-filter: blur(10px); border-top: 1px solid var(--line); }
  .mobile-cta .btn { flex: 1; min-height: 48px; padding: 10px 12px; font-size: .95rem; box-shadow: none; }
  .km-cookie-trigger { bottom: 84px !important; }
}

/* Panel cookies (wzorzec BB / SAMEK.ME, kolory tej strony) */
.km-cookie-trigger { position: fixed; left: 16px; bottom: 16px; z-index: 40; background: #fff; color: var(--text); border: 1px solid var(--line); border-radius: 999px; padding: 8px 14px; font: 600 .78rem var(--sans); cursor: pointer; box-shadow: var(--shadow); }
.km-cookie-trigger[hidden] { display: none; }
.km-cookie-overlay { position: fixed; inset: 0; z-index: 60; background: rgba(10,12,16,.6); display: flex; align-items: flex-end; justify-content: center; padding: 16px; }
.km-cookie-overlay[hidden] { display: none; }
.km-cookie-dialog { width: min(680px, 100%); max-height: calc(100vh - 32px); overflow: auto; background: #fff; color: var(--text); border-radius: 18px; box-shadow: 0 24px 60px rgba(0,0,0,.35); font-family: var(--sans); font-size: .95rem; }
.km-cookie-header { display: flex; align-items: center; justify-content: space-between; padding: 14px 22px; background: var(--ink); border-radius: 18px 18px 0 0; }
.km-cookie-header img { height: 48px; width: auto; }
.km-cookie-close { background: none; border: 0; font-size: 1.8rem; line-height: 1; cursor: pointer; color: #fff; padding: 4px 8px; }
.km-cookie-tabs { display: flex; border-bottom: 1px solid var(--line); }
.km-cookie-tabs button { flex: 1; background: none; border: 0; border-bottom: 2px solid transparent; padding: 12px 8px; font: 600 .9rem var(--sans); color: var(--muted); cursor: pointer; }
.km-cookie-tabs button[aria-selected="true"] { color: var(--text); border-bottom-color: var(--gold); }
.km-cookie-content { padding: 18px 22px 8px; }
.km-cookie-content h2 { font-size: 1.25rem; }
.km-cookie-summary { display: flex; gap: 10px; flex-wrap: wrap; margin: 6px 0 12px; }
.km-cookie-summary span { background: var(--bg-soft); border: 1px solid var(--line); border-radius: 10px; padding: 8px 12px; font-weight: 600; color: var(--text); }
.km-cookie-summary small { display: block; font-weight: 400; color: var(--muted); }
.km-cookie-category { display: flex; gap: 16px; justify-content: space-between; align-items: flex-start; padding: 14px 0; border-bottom: 1px solid var(--line); }
.km-cookie-category h3 { font-size: 1rem; margin-bottom: 4px; }
.km-cookie-category p { margin: 0; color: var(--muted); font-size: .9rem; }
.km-cookie-always { font-size: .8rem; font-weight: 700; color: var(--gold-strong); white-space: nowrap; }
.km-cookie-switch { position: relative; flex: 0 0 48px; width: 48px; height: 28px; }
.km-cookie-switch input { position: absolute; opacity: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.km-cookie-switch span { position: absolute; inset: 0; border-radius: 999px; background: #d3d0c8; transition: background .15s; pointer-events: none; }
.km-cookie-switch span::after { content: ""; position: absolute; top: 3px; left: 3px; width: 22px; height: 22px; border-radius: 50%; background: #fff; transition: transform .15s; }
.km-cookie-switch input:checked + span { background: var(--ink); }
.km-cookie-switch input:checked + span::after { transform: translateX(20px); background: var(--gold); }
.km-cookie-switch input:focus-visible + span { outline: 2px solid var(--gold); outline-offset: 3px; }
.km-cookie-small { font-size: .82rem; color: var(--muted); margin-top: 10px; }
.km-cookie-policy { display: inline-block; margin: 6px 0 10px; font-weight: 600; }
.km-cookie-actions { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; padding: 14px 22px 20px; border-top: 1px solid var(--line); }
.km-cookie-actions button { min-height: 46px; border-radius: 10px; font: 600 .92rem var(--sans); cursor: pointer; border: 1px solid var(--text); background: #fff; color: var(--text); padding: 8px 10px; }
.km-cookie-actions button.is-primary { background: var(--gold); border-color: var(--gold); color: var(--ink); }
.km-cookie-actions button:hover { background: var(--bg-soft); }
.km-cookie-actions button.is-primary:hover { background: #d6b578; }
@media (max-width: 560px) {
  .km-cookie-overlay { padding: 0; }
  .km-cookie-dialog { border-radius: 18px 18px 0 0; max-height: 92vh; }
  .km-cookie-actions { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}