/* ============================================================
   BROKERR Ubezpieczenia&Finanse · style.css
   Jasny · premium · Playfair Display + Inter
   ============================================================ */

:root {
  --paper: #ffffff;
  --cream: #f5f8fc;
  --mist:  #edf2f9;
  --mist-2:#e4eaf4;

  --ink:   #0d1a2e;
  --ink-2: #1a2d47;
  --body:  #4a5668;
  --muted: #7a8799;

  --gold:       #b8841f;
  --gold-light: #e3c170;
  --gold-soft:  #f6edd8;
  --gold-grad:  linear-gradient(135deg, #f0d489 0%, #d4a544 45%, #b8841f 100%);
  --gold-grad-btn: linear-gradient(135deg, #f3da92 0%, #dcab4d 8%, #c9962f 55%, #b07c1c 100%);

  --navy:       #0d2149;
  --navy-dark:  #061126;
  --navy-2:     #1a3463;
  --navy-soft:  #e8eef8;
  --navy-grad:  linear-gradient(135deg, #1e4f96 0%, #0d2149 52%, #061126 100%);
  --shadow-navy: 0 12px 30px rgba(13, 33, 73, 0.30);

  --line: #dde4f0;
  --line-2: #cdd7ec;

  --radius: 18px;
  --radius-sm: 12px;
  --shadow-sm: 0 6px 24px rgba(13, 26, 46, 0.07);
  --shadow: 0 24px 60px rgba(13, 26, 46, 0.13);
  --shadow-gold: 0 16px 40px rgba(184, 132, 31, 0.24);

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --container: 1180px;

  --ff-head: 'Playfair Display', Georgia, serif;
  --ff-body: 'Inter', system-ui, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--ff-body);
  color: var(--body);
  background: var(--paper);
  line-height: 1.7;
  font-size: 17px;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }

h1, h2, h3 { font-family: var(--ff-head); color: var(--ink); line-height: 1.15; letter-spacing: -0.005em; font-weight: 600; }

.gold-text {
  background: var(--gold-grad);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
  font-style: italic;
  display: inline-block;
  padding: 0.04em 0.12em 0.18em 0.02em;
  line-height: 1.18;
}

/* ---------- Scroll progress ---------- */
.scroll-progress { position: fixed; top: 0; left: 0; height: 3px; width: 0; background: var(--gold-grad); z-index: 200; transition: width 0.1s linear; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--ff-body); font-weight: 600; font-size: 15px;
  padding: 13px 26px; border-radius: 999px; border: none; cursor: pointer;
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), background 0.3s, color 0.3s, border-color 0.3s;
  white-space: nowrap;
}
.btn-lg { padding: 16px 32px; font-size: 16px; }
.btn-block { width: 100%; }

.btn-primary {
  background: var(--navy-grad); color: #fff; font-weight: 700;
  box-shadow: var(--shadow-navy), inset 0 1px 0 rgba(255,255,255,0.18);
  position: relative; overflow: hidden;
}
.btn-primary::after {
  content: ''; position: absolute; inset: 0; border-radius: inherit;
  background: linear-gradient(180deg, rgba(255,255,255,0.16), rgba(255,255,255,0) 45%);
  pointer-events: none;
}
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 18px 40px rgba(13,33,73,0.42), inset 0 1px 0 rgba(255,255,255,0.22); }

.btn-outline { background: transparent; color: var(--ink); border: 1.5px solid var(--line-2); }
.btn-outline:hover { border-color: var(--navy); color: var(--navy); transform: translateY(-3px); }

.btn-dark { background: var(--ink); color: #fff; }
.btn-dark:hover { background: var(--ink-2); transform: translateY(-3px); box-shadow: var(--shadow); }

.btn-gold {
  background: var(--gold-grad-btn); color: #2a1e05; font-weight: 700;
  box-shadow: var(--shadow-gold), inset 0 1px 0 rgba(255,255,255,0.35);
}
.btn-gold:hover { transform: translateY(-3px); box-shadow: 0 20px 44px rgba(184,132,31,0.38); }

/* ---------- Header ---------- */
.header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100; padding: 16px 0;
  transition: padding 0.4s var(--ease), background 0.4s, box-shadow 0.4s;
}
.header.scrolled { padding: 9px 0; background: rgba(255,255,255,0.92); backdrop-filter: blur(14px); box-shadow: 0 6px 28px rgba(13,26,46,0.09); }
.nav-container { display: flex; align-items: center; justify-content: space-between; gap: 20px; }

.logo { display: flex; align-items: center; gap: 12px; }
.logo-mark { width: 44px; height: 44px; flex: none; display: flex; transition: width 0.4s var(--ease), height 0.4s var(--ease); }
.logo-mark svg { width: 100%; height: 100%; }
.header.scrolled .logo-mark { width: 38px; height: 38px; }
.logo-text { display: flex; flex-direction: column; line-height: 1.05; }
.logo-name { font-family: var(--ff-head); font-weight: 700; font-size: 1.18rem; color: var(--ink); letter-spacing: 0.01em; }
.logo-sub { font-family: var(--ff-body); font-size: 9px; font-weight: 600; letter-spacing: 0.22em; color: var(--gold); margin-top: 3px; }

.nav { display: flex; align-items: center; gap: 22px; }
.nav > a { font-size: 15px; font-weight: 500; color: var(--ink-2); position: relative; transition: color 0.25s; white-space: nowrap; }
.nav > a::after { content: ''; position: absolute; left: 0; bottom: -6px; height: 2px; width: 0; background: var(--gold-grad); transition: width 0.3s var(--ease); }
.nav > a:hover { color: var(--gold); }
.nav > a:hover::after { width: 100%; }
.nav-cta-mobile { display: none; }
@media (max-width: 1180px) and (min-width: 761px) {
  .nav { gap: 14px; }
  .nav > a { font-size: 13.5px; }
}
.nav-tel-mobile { display: none; }
.nav-cta { flex: none; }

.nav-overlay { position: fixed; inset: 0; z-index: 99; background: rgba(6,17,38,0.55); backdrop-filter: blur(3px); -webkit-backdrop-filter: blur(3px); opacity: 0; visibility: hidden; transition: opacity 0.4s var(--ease), visibility 0.4s; }
.nav-overlay.show { opacity: 1; visibility: visible; }

.hamburger { display: none; background: none; border: none; cursor: pointer; width: 30px; height: 22px; position: relative; }
.hamburger span { position: absolute; left: 0; height: 2.5px; width: 100%; background: var(--ink); border-radius: 2px; transition: 0.35s var(--ease); }
.hamburger span:nth-child(1) { top: 0; } .hamburger span:nth-child(2) { top: 9.5px; } .hamburger span:nth-child(3) { top: 19px; }
.hamburger.active span:nth-child(1) { top: 9.5px; transform: rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { top: 9.5px; transform: rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative; min-height: 100vh; display: flex; align-items: center;
  background:
    radial-gradient(60% 60% at 80% 20%, var(--navy-soft) 0%, transparent 60%),
    radial-gradient(40% 40% at 15% 80%, var(--gold-soft) 0%, transparent 50%),
    linear-gradient(180deg, var(--cream) 0%, #ffffff 100%);
  overflow: hidden; padding: 140px 0 90px;
}
.hero::before {
  content: ''; position: absolute; inset: 0; pointer-events: none; opacity: 0.45;
  background-image: linear-gradient(rgba(13,33,73,0.025) 1px, transparent 1px), linear-gradient(90deg, rgba(13,33,73,0.025) 1px, transparent 1px);
  background-size: 70px 70px;
  -webkit-mask-image: radial-gradient(80% 70% at 30% 40%, #000 35%, transparent 100%);
          mask-image: radial-gradient(80% 70% at 30% 40%, #000 35%, transparent 100%);
}
.hero-inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; }

.hero-badge {
  display: inline-flex; align-items: center; gap: 9px; background: #fff; border: 1px solid var(--line);
  padding: 8px 16px; border-radius: 999px; font-size: 13.5px; color: var(--ink-2);
  box-shadow: var(--shadow-sm); margin-bottom: 28px;
}
.hero-badge strong { color: var(--gold); font-weight: 700; }
.badge-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gold-grad); box-shadow: 0 0 0 3px var(--gold-soft); flex: none; }

.hero-title { font-size: clamp(2.5rem, 5vw, 4.4rem); font-weight: 600; color: var(--ink); margin-bottom: 24px; line-height: 1.08; }
.hero-sub { font-size: clamp(1rem, 1.4vw, 1.15rem); color: var(--body); max-width: 520px; margin-bottom: 36px; }

.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 34px; }

.hero-trust { list-style: none; display: flex; flex-wrap: wrap; align-items: center; gap: 14px; }
.ht-pill { display: flex; align-items: center; gap: 12px; background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 10px 20px 10px 12px; box-shadow: var(--shadow-sm); }
.ht-ico { width: 34px; height: 34px; flex: none; border-radius: 50%; background: var(--gold-soft); color: var(--gold); display: flex; align-items: center; justify-content: center; }
.ht-ico svg { width: 18px; height: 18px; }
.ht-pill span:last-child { display: flex; flex-direction: column; line-height: 1.2; font-size: 13px; color: var(--body); }
.ht-pill strong { font-family: var(--ff-body); font-weight: 700; font-size: 14px; color: var(--ink); letter-spacing: 0.01em; }

/* Hero shield visual */
.hero-visual { position: relative; display: flex; align-items: center; justify-content: center; padding: 20px 0; }
.shield-wrap { position: relative; width: 340px; height: 340px; display: flex; align-items: center; justify-content: center; }
.shield-bg {
  width: 100%; height: 100%; border-radius: 50%;
  background: linear-gradient(145deg, var(--cream) 0%, var(--navy-soft) 100%);
  border: 6px solid #fff; box-shadow: var(--shadow);
  display: flex; align-items: center; justify-content: center;
  position: relative;
}
.shield-bg::after {
  content: ''; position: absolute; inset: 12px; border-radius: 50%;
  border: 1.5px solid rgba(13,33,73,0.12);
  pointer-events: none;
}
.shield-svg { width: 150px; height: 150px; }
.hv-badge {
  position: absolute; z-index: 3;
  display: flex; align-items: center; gap: 12px;
  background: #fff; border-radius: 14px; padding: 14px 20px 14px 16px;
  box-shadow: var(--shadow); border: 1px solid var(--line);
}
.hv-badge--top { top: 24px; left: -28px; }
.hv-badge--bottom { bottom: 24px; right: -28px; }
.hv-badge-dot { width: 10px; height: 10px; flex: none; border-radius: 50%; background: var(--gold-grad); box-shadow: 0 0 0 4px var(--gold-soft); }
.hv-badge-main { display: flex; flex-direction: column; line-height: 1.25; }
.hv-badge-num { font-family: var(--ff-head); font-weight: 700; font-size: 1rem; color: var(--ink); }
.hv-badge-txt { font-size: 11.5px; color: var(--muted); }

.scroll-cue { position: absolute; bottom: 26px; left: 50%; transform: translateX(-50%); z-index: 3; width: 26px; height: 42px; border: 2px solid var(--line-2); border-radius: 14px; }
.scroll-cue span { position: absolute; top: 8px; left: 50%; transform: translateX(-50%); width: 4px; height: 8px; border-radius: 2px; background: var(--navy); animation: scrollDot 1.8s ease-in-out infinite; }
@keyframes scrollDot { 0% { opacity: 0; top: 8px; } 40% { opacity: 1; } 80% { opacity: 0; top: 22px; } 100% { opacity: 0; } }

/* ---------- Stats strip ---------- */
.stats-strip { background: var(--paper); padding: 40px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.stats-row { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat-item { text-align: center; padding: 14px 20px; border-right: 1px solid var(--line); }
.stat-item:last-child { border-right: none; }
.stat-num { display: block; font-family: var(--ff-head); font-weight: 700; font-size: clamp(1.8rem, 2.8vw, 2.6rem); color: var(--navy); line-height: 1; }
.stat-lbl { display: block; margin-top: 8px; font-size: 11.5px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-2); }

/* ---------- Sections ---------- */
.section { padding: 100px 0; }
.section-head { max-width: 720px; margin: 0 auto 58px; text-align: center; }
.eyebrow { display: inline-block; font-family: var(--ff-body); font-weight: 600; font-size: 12.5px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
.section-title { font-size: clamp(2rem, 3.6vw, 3rem); font-weight: 600; margin-bottom: 18px; }
.section-lead { font-size: 1.08rem; color: var(--body); }

/* ---------- Offer ---------- */
.offer { background: var(--cream); }
.offer-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.offer-card { background: #fff; border: 1.5px solid var(--line-2); border-radius: var(--radius); padding: 38px 34px; transition: transform 0.45s var(--ease), box-shadow 0.45s var(--ease), border-color 0.45s; position: relative; overflow: hidden; }
.offer-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--navy-grad); transform: scaleX(0); transform-origin: left; transition: transform 0.45s var(--ease); }
.offer-card:hover { transform: translateY(-8px); box-shadow: var(--shadow); border-color: transparent; }
.offer-card:hover::before { transform: scaleX(1); }
.offer-icon { width: 64px; height: 64px; border-radius: 50%; background: var(--navy-soft); display: flex; align-items: center; justify-content: center; color: var(--navy); margin-bottom: 22px; box-shadow: inset 0 0 0 1.5px rgba(13,33,73,0.2); transition: background 0.4s var(--ease), color 0.4s, box-shadow 0.4s; }
.offer-icon svg { width: 30px; height: 30px; }
.offer-card:hover .offer-icon { background: var(--navy-grad); color: #fff; box-shadow: var(--shadow-navy); }
.offer-card h3 { font-size: 1.45rem; margin-bottom: 10px; }
.offer-card p { font-size: 0.98rem; }
.offer-tags { list-style: none; display: flex; flex-wrap: wrap; gap: 7px; margin-top: 16px; }
.offer-tags li { font-size: 12px; font-weight: 600; color: var(--navy); background: var(--navy-soft); border: 1px solid rgba(13,33,73,0.15); padding: 5px 11px; border-radius: 999px; transition: background 0.3s, color 0.3s; }
.offer-card:hover .offer-tags li { background: #fff; }

/* ---------- Promise band ---------- */
.promise { background: linear-gradient(135deg, #0d2149 0%, #1a3463 55%, #214f87 100%); color: #fff; padding: 56px 0; }
.promise-inner { display: flex; align-items: center; gap: 40px; justify-content: space-between; flex-wrap: wrap; }
.promise-copy { max-width: 820px; }
.promise-mark { display: block; color: var(--gold-light); letter-spacing: 0.3em; font-size: 14px; margin-bottom: 16px; }
.promise-quote { font-family: var(--ff-head); font-size: clamp(1.3rem, 2.2vw, 1.85rem); line-height: 1.45; color: #fff; font-weight: 500; }
.promise-quote strong { color: var(--gold-light); }
.promise-author { margin-top: 18px; font-size: 13.5px; letter-spacing: 0.06em; text-transform: uppercase; color: rgba(255,255,255,0.55); }
.promise-icon { flex: none; width: 110px; height: 110px; border-radius: 50%; background: rgba(255,255,255,0.08); border: 2px solid rgba(255,255,255,0.18); display: flex; align-items: center; justify-content: center; }
.promise-icon svg { width: 58px; height: 58px; color: var(--gold-light); }

/* ---------- Why broker ---------- */
.why { background: linear-gradient(180deg, #ffffff 0%, var(--cream) 100%); }
.why-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.why-card { position: relative; background: #fff; border: 1.5px solid var(--line-2); border-radius: var(--radius); padding: 36px 32px 30px; overflow: hidden; transition: transform 0.4s var(--ease), box-shadow 0.4s, border-color 0.4s; }
.why-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--gold-grad); transform: scaleX(0); transform-origin: left; transition: transform 0.45s var(--ease); }
.why-card:hover { transform: translateY(-8px); box-shadow: var(--shadow); border-color: transparent; }
.why-card:hover::before { transform: scaleX(1); }
.why-num { position: absolute; top: 6px; right: 18px; font-family: var(--ff-head); font-weight: 700; font-size: 5rem; line-height: 1; color: var(--navy); opacity: 0.07; pointer-events: none; }
.why-ico { width: 64px; height: 64px; border-radius: 50%; background: var(--gold-soft); color: var(--gold); display: flex; align-items: center; justify-content: center; margin-bottom: 22px; box-shadow: inset 0 0 0 1.5px rgba(184,132,31,0.3); transition: background 0.4s var(--ease), color 0.4s, box-shadow 0.4s, transform 0.4s; }
.why-ico svg { width: 32px; height: 32px; }
.why-card:hover .why-ico { background: var(--gold-grad); color: #fff; box-shadow: var(--shadow-gold); transform: translateY(-2px); }
.why-card h3 { font-size: 1.3rem; margin-bottom: 10px; }
.why-card p { font-size: 0.95rem; }

/* ---------- Process ---------- */
.process { position: relative; background: var(--cream); overflow: hidden; }
.process::before {
  content: ''; position: absolute; inset: 0; z-index: 0;
  background: url('assets/process-bg.jpg') center/cover no-repeat;
  opacity: 0.16;
}
.process::after {
  content: ''; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: linear-gradient(180deg, var(--cream) 0%, rgba(245,248,252,0) 28%, rgba(245,248,252,0) 72%, var(--cream) 100%);
}
.process > .container { position: relative; z-index: 1; }
.steps { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.steps::before { content: ''; position: absolute; top: 59px; left: 14%; right: 14%; height: 2px; background: repeating-linear-gradient(90deg, var(--gold-light) 0 7px, transparent 7px 15px); opacity: 0.55; z-index: 0; }
.step { position: relative; z-index: 1; padding: 30px 26px 28px; border-radius: var(--radius); background: #fff; border: 1.5px solid var(--line-2); text-align: center; transition: transform 0.4s var(--ease), box-shadow 0.4s, border-color 0.4s; }
.step:hover { transform: translateY(-8px); box-shadow: var(--shadow); border-color: transparent; }
.step-num { width: 60px; height: 60px; margin: 0 auto 18px; border-radius: 50%; background: var(--gold-grad); color: #2a1e05; font-family: var(--ff-head); font-weight: 700; font-size: 1.55rem; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-gold), 0 0 0 7px #fff; transition: transform 0.4s var(--ease); }
.step:hover .step-num { transform: scale(1.08); }
.step h3 { font-size: 1.2rem; margin-bottom: 8px; }
.step p { font-size: 0.93rem; }

/* ---------- Quote/Form ---------- */
.quote { background: var(--cream); }
.quote-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.quote-copy .section-title, .quote-copy .section-lead, .quote-copy .eyebrow { text-align: left; }
.quote-copy .section-lead { margin-bottom: 26px; }
.quote-benefits { list-style: none; display: flex; flex-direction: column; gap: 18px; margin-bottom: 32px; }
.quote-benefits li { display: flex; gap: 14px; align-items: flex-start; }
.qb-ico { width: 30px; height: 30px; flex: none; border-radius: 50%; background: var(--gold-soft); color: var(--gold); display: flex; align-items: center; justify-content: center; margin-top: 2px; }
.qb-ico svg { width: 17px; height: 17px; }
.quote-benefits strong { display: block; font-family: var(--ff-head); font-weight: 600; font-size: 1.08rem; color: var(--ink); margin-bottom: 2px; }
.quote-benefits span { font-size: 0.93rem; color: var(--body); }

.contact-mini { background: var(--navy); border-radius: var(--radius); padding: 26px 28px; color: rgba(255,255,255,0.8); margin-top: 8px; }
.contact-mini h4 { font-family: var(--ff-head); color: #fff; font-size: 1.12rem; margin-bottom: 14px; }
.contact-mini ul { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.contact-mini li { display: flex; align-items: center; gap: 12px; font-size: 0.95rem; }
.contact-mini svg { width: 18px; height: 18px; flex: none; color: var(--gold-light); }
.contact-mini a { color: rgba(255,255,255,0.9); transition: color 0.25s; }
.contact-mini a:hover { color: var(--gold-light); }

.quote-form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 38px 34px; box-shadow: var(--shadow); }
.quote-form h3 { font-size: 1.5rem; margin-bottom: 6px; }
.quote-form .form-sub { font-size: 0.93rem; color: var(--body); margin-bottom: 24px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; font-size: 13.5px; color: var(--ink); margin-bottom: 6px; }
.field .opt { color: var(--muted); font-weight: 400; }
.field input, .field select, .field textarea { width: 100%; font-family: var(--ff-body); font-size: 15px; color: var(--ink); padding: 12px 14px; border: 1.5px solid var(--line-2); border-radius: var(--radius-sm); background: var(--cream); transition: border-color 0.25s, box-shadow 0.25s; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px rgba(13,33,73,0.1); background: #fff; }
.field textarea { resize: vertical; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 12.5px; color: var(--body); margin: 4px 0 18px; line-height: 1.5; }
.consent input { margin-top: 3px; flex: none; accent-color: var(--navy); }
.consent a { color: var(--gold); border-bottom: 1px solid var(--gold-light); }
.form-msg { margin-top: 14px; font-size: 14px; text-align: center; min-height: 1px; }
.form-msg.ok { color: #1a8a4a; } .form-msg.err { color: #c0392b; }

/* ---------- Footer ---------- */
.footer { background: #0a1220; color: rgba(255,255,255,0.6); padding: 70px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1.25fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.footer-about { max-width: 380px; }
.footer-logo { margin-bottom: 20px; }
.footer-logo .logo-name { color: #fff; }
.footer-about p { font-size: 0.92rem; color: rgba(255,255,255,0.5); line-height: 1.75; }
.footer-social { display: flex; gap: 12px; margin-top: 22px; }
.footer-social a { width: 40px; height: 40px; border-radius: 10px; background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.75); transition: background 0.3s, color 0.3s, transform 0.3s; }
.footer-social a:hover { background: var(--gold-grad); color: #2a1e05; transform: translateY(-2px); }
.footer-social svg { width: 18px; height: 18px; }
.footer-col h4 { font-family: var(--ff-head); font-weight: 600; font-size: 1.05rem; color: #fff; margin-bottom: 18px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 11px; }
.footer-col ul a { font-size: 0.92rem; color: rgba(255,255,255,0.55); transition: color 0.25s, padding-left 0.25s; }
.footer-col ul a:hover { color: var(--gold-light); padding-left: 3px; }
.footer-contact li { display: flex; align-items: flex-start; gap: 11px; font-size: 0.92rem; color: rgba(255,255,255,0.55); line-height: 1.5; }
.footer-contact svg { width: 18px; height: 18px; flex: none; color: var(--gold); margin-top: 2px; }
.footer-contact a { color: rgba(255,255,255,0.55); transition: color 0.25s; }
.footer-contact a:hover { color: var(--gold-light); }
.footer-bottom { display: flex; flex-wrap: wrap; gap: 10px; justify-content: space-between; padding-top: 22px; padding-bottom: 28px; font-size: 12.5px; color: rgba(255,255,255,0.4); }
.footer-credit a { color: var(--gold-light); }
.footer-policy { color: rgba(255,255,255,0.5); margin-left: 6px; border-bottom: 1px solid rgba(255,255,255,0.18); transition: color 0.25s; }
.footer-policy:hover { color: var(--gold-light); }

/* ---------- Sticky mobile call ---------- */
.sticky-call { position: fixed; bottom: 18px; right: 18px; z-index: 90; display: none; align-items: center; gap: 8px; background: var(--navy-grad); color: #fff; font-weight: 700; font-size: 15px; padding: 14px 20px; border-radius: 999px; box-shadow: var(--shadow-navy); }

/* ---------- Reveal ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
.reveal.visible { opacity: 1; transform: none; }
.reveal[data-delay="1"] { transition-delay: 0.08s; }
.reveal[data-delay="2"] { transition-delay: 0.16s; }
.reveal[data-delay="3"] { transition-delay: 0.24s; }
.reveal[data-delay="4"] { transition-delay: 0.32s; }

/* ---------- Cookie banner ---------- */
#cookie-banner { position: fixed; left: 0; right: 0; bottom: 0; z-index: 400; background: #0a1220; color: rgba(255,255,255,0.7); box-shadow: 0 -10px 40px rgba(0,0,0,0.35); transform: translateY(110%); transition: transform 0.5s var(--ease); border-top: 2px solid var(--gold); }
#cookie-banner.cb-visible { transform: translateY(0); }
.cb-inner { max-width: var(--container); margin: 0 auto; padding: 20px 24px; display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.cb-text { flex: 1; min-width: 260px; }
.cb-text strong { color: #fff; font-size: 15px; display: block; margin-bottom: 4px; }
.cb-text p { color: rgba(255,255,255,0.6); font-size: 13px; line-height: 1.5; margin: 0; }
.cb-text a { color: var(--gold-light); border-bottom: 1px solid rgba(227,193,112,0.4); }
.cb-buttons { display: flex; gap: 10px; flex-wrap: wrap; }
.cb-btn { font-family: var(--ff-body); font-weight: 600; font-size: 14px; padding: 11px 20px; border-radius: 999px; border: none; cursor: pointer; transition: transform 0.25s, background 0.25s; }
.cb-btn:hover { transform: translateY(-1px); }
.cb-btn-accept { background: var(--gold-grad); color: #2a1e05; }
.cb-btn-necessary { background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.85); border: 1px solid rgba(255,255,255,0.15); }
.cb-btn-necessary:hover { background: rgba(255,255,255,0.18); }
.cb-btn-settings { background: transparent; color: rgba(255,255,255,0.55); border: 1px solid rgba(255,255,255,0.15); }
.cb-btn-settings:hover { color: #fff; }
#cb-panel { border-top: 1px solid rgba(255,255,255,0.08); }
.cb-panel-inner { max-width: var(--container); margin: 0 auto; padding: 18px 24px 12px; }
.cb-panel-inner h3 { color: rgba(255,255,255,0.5); font-size: 11px; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 14px; font-weight: 700; }
.cb-option { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,0.05); }
.cb-option:last-of-type { border-bottom: none; }
.cb-option-info strong { color: #fff; font-size: 14px; display: block; margin-bottom: 2px; }
.cb-option-info span { color: rgba(255,255,255,0.4); font-size: 12px; line-height: 1.4; }
.cb-toggle-on { color: var(--gold-light); font-size: 12px; font-weight: 600; }
.cb-toggle-switch { position: relative; display: inline-block; width: 44px; height: 24px; flex-shrink: 0; }
.cb-toggle-switch input { opacity: 0; width: 0; height: 0; }
.cb-slider { position: absolute; cursor: pointer; inset: 0; background: rgba(255,255,255,0.15); border-radius: 24px; transition: background 0.2s; }
.cb-slider::before { content: ''; position: absolute; width: 18px; height: 18px; left: 3px; bottom: 3px; background: #fff; border-radius: 50%; transition: transform 0.2s; }
.cb-toggle-switch input:checked + .cb-slider { background: var(--gold); }
.cb-toggle-switch input:checked + .cb-slider::before { transform: translateX(20px); }
.cb-panel-actions { padding-top: 14px; }
@media (max-width: 760px) {
  .cb-inner { padding: 16px; }
  .cb-buttons { width: 100%; }
  .cb-btn { flex: 1; min-width: 0; padding: 11px 12px; }
  .sticky-call { bottom: 14px; }
}

/* ---------- O mnie ---------- */
.about { background: var(--paper); }
.about-inner { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 60px; align-items: center; }
.about-visual { position: relative; }
.about-photo { position: relative; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); border: 6px solid #fff; aspect-ratio: 4 / 5; }
.about-photo::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 55%, rgba(13,33,73,0.28) 100%); pointer-events: none; }
.about-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 18%; }
.about-visual::before { content: ''; position: absolute; top: -22px; left: -22px; width: 120px; height: 120px; border-radius: 18px; background: var(--gold-soft); z-index: -1; }
.about-card { position: absolute; bottom: 22px; left: 22px; right: 22px; display: flex; align-items: center; gap: 14px; background: rgba(255,255,255,0.96); backdrop-filter: blur(6px); border: 1px solid var(--line); border-radius: 14px; padding: 14px 18px; box-shadow: var(--shadow); }
.about-card-ico { width: 40px; height: 40px; flex: none; border-radius: 10px; background: var(--navy-grad); color: var(--gold-light); display: flex; align-items: center; justify-content: center; }
.about-card-ico svg { width: 22px; height: 22px; }
.about-card-main { display: flex; flex-direction: column; line-height: 1.3; }
.about-card-main strong { font-family: var(--ff-head); font-size: 1rem; color: var(--ink); }
.about-card-main span { font-size: 11.5px; color: var(--muted); }
.about-copy .eyebrow, .about-copy .section-title { text-align: left; }
.about-copy .section-title { margin-bottom: 20px; }
.about-copy > p { font-size: 1rem; margin-bottom: 16px; }
.about-copy > p strong { color: var(--ink); }
.about-points { list-style: none; display: flex; flex-direction: column; gap: 12px; margin: 22px 0 30px; }
.about-points li { display: flex; align-items: flex-start; gap: 12px; font-size: 0.96rem; color: var(--ink-2); font-weight: 500; }
.ap-ico { width: 26px; height: 26px; flex: none; border-radius: 50%; background: var(--gold-soft); color: var(--gold); display: flex; align-items: center; justify-content: center; margin-top: 1px; }
.ap-ico svg { width: 15px; height: 15px; }
.about-actions { display: flex; flex-wrap: wrap; gap: 12px; }

/* ---------- Compare broker vs agent ---------- */
.compare { display: grid; grid-template-columns: 1fr auto 1fr; align-items: stretch; gap: 0; margin-top: 56px; }
.compare-col { padding: 34px 32px; }
.compare-broker { background: var(--navy-grad); color: #fff; border-radius: var(--radius) 0 0 var(--radius); box-shadow: var(--shadow-navy); position: relative; z-index: 2; }
.compare-agent { background: #fff; border: 1.5px solid var(--line-2); border-left: none; border-radius: 0 var(--radius) var(--radius) 0; }
.compare-tag { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 8px; }
.compare-broker .compare-tag { color: var(--gold-light); }
.compare-agent .compare-tag { color: var(--muted); }
.compare-col h3 { font-size: 1.5rem; margin-bottom: 22px; }
.compare-broker h3 { color: #fff; }
.compare-agent h3 { color: var(--ink-2); }
.compare-col ul { list-style: none; display: flex; flex-direction: column; gap: 14px; }
.compare-col li { display: flex; align-items: flex-start; gap: 12px; font-size: 0.96rem; line-height: 1.45; }
.compare-broker li { color: rgba(255,255,255,0.92); }
.compare-agent li { color: var(--body); }
.cmp-ico { width: 24px; height: 24px; flex: none; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin-top: 1px; }
.cmp-ico svg { width: 14px; height: 14px; }
.cmp-yes { background: rgba(227,193,112,0.22); color: var(--gold-light); }
.cmp-no { background: var(--mist); color: var(--muted); }
.compare-vs { display: flex; align-items: center; justify-content: center; z-index: 3; }
.compare-vs span { width: 56px; height: 56px; margin: 0 -28px; border-radius: 50%; background: var(--gold-grad); color: #2a1e05; font-family: var(--ff-head); font-weight: 700; font-size: 1rem; font-style: italic; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-gold), 0 0 0 6px #fff; }

/* ---------- FAQ ---------- */
.faq { background: var(--cream); }
.faq-list { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }
.faq-item { background: #fff; border: 1.5px solid var(--line-2); border-radius: var(--radius-sm); overflow: hidden; transition: border-color 0.3s, box-shadow 0.3s; }
.faq-item.open { border-color: transparent; box-shadow: var(--shadow-sm); }
.faq-q { width: 100%; background: none; border: none; cursor: pointer; font-family: var(--ff-body); text-align: left; display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 20px 24px; color: var(--ink); font-size: 1.08rem; font-weight: 600; transition: color 0.25s; }
.faq-q:hover { color: var(--navy); }
.faq-sign { position: relative; width: 18px; height: 18px; flex: none; }
.faq-sign::before, .faq-sign::after { content: ''; position: absolute; background: var(--gold); border-radius: 2px; transition: transform 0.35s var(--ease), opacity 0.3s; }
.faq-sign::before { top: 8px; left: 0; width: 18px; height: 2.4px; }
.faq-sign::after { left: 8px; top: 0; width: 2.4px; height: 18px; }
.faq-item.open .faq-sign::after { transform: scaleY(0); opacity: 0; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.4s var(--ease); }
.faq-a p { padding: 0 24px 22px; font-size: 0.98rem; color: var(--body); max-width: 64ch; }

/* ---------- Opinie ---------- */
.reviews { background: var(--paper); }
.reviews-badge { display: inline-flex; align-items: center; gap: 12px; margin-top: 18px; background: var(--cream); border: 1px solid var(--line); border-radius: 999px; padding: 9px 20px; box-shadow: var(--shadow-sm); }
.rb-stars { color: var(--gold); letter-spacing: 0.12em; font-size: 16px; }
.rb-text { font-size: 14px; color: var(--ink-2); }
.rb-text strong { color: var(--ink); }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.review-card { background: #fff; border: 1.5px solid var(--line-2); border-radius: var(--radius); padding: 26px 26px 24px; transition: transform 0.4s var(--ease), box-shadow 0.4s, border-color 0.4s; }
.review-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.review-head { display: flex; align-items: center; gap: 13px; margin-bottom: 14px; }
.review-avatar { width: 46px; height: 46px; flex: none; border-radius: 50%; background: var(--av, var(--navy)); color: #fff; display: flex; align-items: center; justify-content: center; font-family: var(--ff-head); font-weight: 700; font-size: 1rem; }
.review-meta { display: flex; flex-direction: column; line-height: 1.25; margin-right: auto; }
.review-meta strong { font-size: 0.98rem; color: var(--ink); font-weight: 700; }
.review-meta span { font-size: 12px; color: var(--muted); }
.review-fb { width: 26px; height: 26px; flex: none; border-radius: 7px; background: #1877f2; color: #fff; display: flex; align-items: center; justify-content: center; }
.review-fb svg { width: 15px; height: 15px; }
.review-card > p { font-size: 1.02rem; color: var(--ink-2); line-height: 1.6; font-style: italic; }
.review-cta { display: flex; flex-direction: column; align-items: flex-start; justify-content: center; gap: 4px; background: var(--navy-grad); border: none; color: #fff; position: relative; }
.review-cta:hover { box-shadow: var(--shadow-navy); }
.review-cta-ico { width: 44px; height: 44px; border-radius: 12px; background: rgba(255,255,255,0.12); color: var(--gold-light); display: flex; align-items: center; justify-content: center; margin-bottom: 8px; }
.review-cta-ico svg { width: 22px; height: 22px; }
.review-cta strong { font-family: var(--ff-head); font-size: 1.2rem; color: #fff; }
.review-cta > span:not(.review-cta-ico):not(.review-cta-arrow) { font-size: 0.92rem; color: rgba(255,255,255,0.7); }
.review-cta-arrow { position: absolute; top: 24px; right: 24px; width: 38px; height: 38px; border-radius: 50%; background: var(--gold-grad); color: #2a1e05; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-gold); transition: transform 0.35s var(--ease); }
.review-cta:hover .review-cta-arrow { transform: translateX(4px); }

/* ---------- Contact map ---------- */
.contact-map { margin-top: 16px; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow-sm); height: 220px; }
.contact-map iframe { width: 100%; height: 100%; border: 0; display: block; filter: grayscale(0.08); }
.gmaps-link { display: inline-flex; align-items: center; gap: 8px; margin-top: 14px; font-size: 14px; font-weight: 600; color: var(--navy); }
.gmaps-link svg { width: 17px; height: 17px; color: var(--gold); }
.gmaps-link:hover { color: var(--gold); }
.gmaps-link:hover svg { color: var(--navy); }

/* ---------- Offer z foto ---------- */
.offer-card { padding: 0; }
.offer-card::before { display: none; }
.offer-media { position: relative; height: 190px; overflow: hidden; }
.offer-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.7s var(--ease); }
.offer-card:hover .offer-media img { transform: scale(1.07); }
.offer-media::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(13,33,73,0) 45%, rgba(13,33,73,0.42) 100%); pointer-events: none; }
.offer .offer-icon { position: absolute; left: 20px; bottom: 18px; z-index: 2; margin-bottom: 0; background: #fff; box-shadow: var(--shadow), inset 0 0 0 1.5px rgba(13,33,73,0.12); }
.offer-card:hover .offer-icon { background: var(--navy-grad); color: #fff; box-shadow: var(--shadow-navy); }
.offer-content { padding: 28px 30px 32px; }

/* ============================================================ RESPONSIVE ============================================================ */
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; gap: 50px; }
  .hero-visual { order: -1; }
  .shield-wrap { width: 280px; height: 280px; }
  .quote-inner { grid-template-columns: 1fr; gap: 36px; }
  .offer-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2) { border-right: none; }
  .stat-item:nth-child(3) { border-top: 1px solid var(--line); }
  .stat-item:nth-child(4) { border-top: 1px solid var(--line); border-right: none; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps::before { display: none; }
  .promise-inner { justify-content: center; text-align: center; }
  .promise-mark { text-align: center; }

  .about-inner { grid-template-columns: 1fr; gap: 40px; }
  .about-visual { max-width: 460px; margin: 0 auto; }
  .reviews-grid { grid-template-columns: repeat(2, 1fr); }

  .compare { grid-template-columns: 1fr; }
  .compare-broker { border-radius: var(--radius) var(--radius) 0 0; }
  .compare-agent { border-radius: 0 0 var(--radius) var(--radius); border-left: 1.5px solid var(--line-2); border-top: none; }
  .compare-vs { padding: 0; }
  .compare-vs span { margin: -28px auto; }
}

@media (max-width: 760px) {
  body { font-size: 16px; }
  .section { padding: 72px 0; }

  .nav { position: fixed; top: 0; right: -100%; width: min(84vw, 340px); height: 100vh; height: 100dvh; background: #fff; flex-direction: column; align-items: stretch; padding: 88px 26px 32px; gap: 0; transition: right 0.45s var(--ease); box-shadow: -24px 0 60px rgba(0,0,0,0.28); z-index: 105; overflow-y: auto; }
  .nav.open { right: 0; }
  .nav > a { font-size: 17px; padding: 17px 4px; border-bottom: 1px solid var(--line-2); }
  .nav > a:first-of-type { border-top: 1px solid var(--line-2); }
  .nav > a::after { display: none; }
  .nav > a:active { color: var(--gold); }
  .nav-cta-mobile { display: inline-flex !important; align-items: center; justify-content: center; background: var(--navy-grad); color: #fff !important; padding: 15px 22px; border-radius: 999px; font-weight: 700; font-size: 16px; margin-top: 24px; box-shadow: var(--shadow-navy); border-bottom: 0 !important; }
  .nav-cta-mobile::after { display: none; }
  .nav-tel-mobile { display: inline-flex !important; align-items: center; justify-content: center; gap: 9px; margin-top: 12px; padding: 13px 22px; border: 1.5px solid var(--line-2); border-radius: 999px; font-weight: 700; font-size: 15px; color: var(--ink) !important; }
  .nav-tel-mobile svg { width: 17px; height: 17px; color: var(--navy); }
  .nav-tel-mobile:active { border-color: var(--navy); color: var(--navy) !important; }
  .nav-cta { display: none; }
  .hamburger { display: block; z-index: 110; }

  .hero { padding: 104px 0 64px; min-height: auto; }
  .hero-inner { gap: 30px; }
  .hero-visual { order: 0; margin-top: 6px; padding: 6px 0; }
  .hero-copy { order: -1; }
  .shield-wrap { width: 230px; height: 230px; }
  .shield-svg { width: 110px; height: 110px; }
  .hero-badge { margin-bottom: 20px; }
  .hero-title { margin-bottom: 18px; }
  .hero-sub { margin-bottom: 26px; }
  .scroll-cue { display: none; }
  .hv-badge { padding: 11px 16px 11px 13px; }
  .hv-badge--top { top: 6px; left: 0; }
  .hv-badge--bottom { bottom: 6px; right: 0; }
  .hv-badge-num { font-size: 0.92rem; }
  .hv-badge-txt { font-size: 11px; }

  .offer-grid, .why-grid, .steps, .reviews-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px 24px; }
  .footer-about { grid-column: 1 / -1; max-width: none; }
  .footer-bottom { flex-direction: column; gap: 14px; padding-bottom: 96px; }
  .sticky-call { display: inline-flex; }
}

@media (max-width: 420px) {
  .container { padding: 0 18px; }
  .hero-actions .btn { width: 100%; }
  .stats-row { grid-template-columns: 1fr 1fr; }
}

/* ---------- Global Doctors Premium ---------- */
.gd-band {
  display: grid; grid-template-columns: 1.5fr 0.5fr; gap: 40px; align-items: center;
  background: var(--navy-grad); border-radius: var(--radius); padding: 56px 60px;
  box-shadow: var(--shadow-navy); position: relative; overflow: hidden;
}
.gd-band::after {
  content: ''; position: absolute; top: -40%; right: -8%; width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(227,193,112,0.16) 0%, transparent 70%); pointer-events: none;
}
.gd-copy { min-width: 0; }
.gd-eyebrow { display: inline-block; font-size: 12px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold-light); margin-bottom: 14px; }
.gd-copy h2 { color: #fff; font-size: clamp(26px, 3.4vw, 38px); margin-bottom: 14px; overflow-wrap: break-word; }
.gd-lead { color: rgba(255,255,255,0.88); max-width: 58ch; margin-bottom: 24px; overflow-wrap: break-word; }
.gd-lead strong { color: var(--gold-light); }
.gd-points { list-style: none; margin: 0 0 30px; padding: 0; display: grid; gap: 12px; }
.gd-points li { display: flex; align-items: flex-start; gap: 11px; color: rgba(255,255,255,0.93); font-weight: 500; }
.gd-ico { flex: 0 0 auto; width: 22px; height: 22px; display: inline-flex; align-items: center; justify-content: center; border-radius: 50%; background: var(--gold-grad-btn); color: #2a1e05; margin-top: 1px; }
.gd-ico svg { width: 12px; height: 12px; }
.gd-visual { display: flex; align-items: center; justify-content: center; position: relative; z-index: 1; }
.gd-visual svg { width: 190px; height: 190px; color: var(--gold-light); opacity: 0.92; }
@media (max-width: 860px) {
  .gd-band { grid-template-columns: 1fr; padding: 40px 26px; }
  .gd-visual { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; }
  .reveal { opacity: 1; transform: none; }
}