:root{
  --navy:#0b1f33;
  --navy-2:#13304d;
  --ink:#1b2733;
  --muted:#5b6b7b;
  --line:#e3e8ee;
  --bg:#ffffff;
  --bg-soft:#f5f7fa;
  --accent:#f5b301;
  --accent-dark:#d99a00;
  --green:#15803d;
  --green-soft:#e8f5ec;
  --red:#b42318;
  --radius:14px;
  --shadow:0 10px 30px rgba(11,31,51,.08);
  --max:1120px;
  --font:"Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--navy-2)}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .5em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.25rem)}
h2{font-size:clamp(1.6rem,3vw,2.2rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.section{padding:88px 0}
.section.soft{background:var(--bg-soft)}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-dark);margin-bottom:.8em}
.lead{font-size:1.15rem;color:var(--muted);max-width:720px}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}

/* header */
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:20px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.15rem;letter-spacing:-.01em}
.brand .mark{width:34px;height:34px;border-radius:9px;background:var(--navy);display:grid;place-items:center}
.brand small{display:block;font-weight:500;font-size:.72rem;color:var(--muted);letter-spacing:0;margin-top:-3px}
.nav{display:flex;align-items:center;gap:26px}
.nav a{text-decoration:none;color:var(--ink);font-size:.95rem;font-weight:500}
.nav a:hover{color:var(--accent-dark)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 24px;border-radius:10px;font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s,box-shadow .15s;font-family:inherit}
.btn-primary{background:var(--accent);color:var(--navy);box-shadow:0 6px 18px rgba(245,179,1,.35)}
.btn-primary:hover{background:var(--accent-dark);transform:translateY(-1px)}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{border-color:#fff}
.btn-sm{padding:10px 18px;font-size:.92rem;white-space:nowrap}
.nav .btn{color:var(--navy)}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#1d4670 0%,transparent 60%),var(--navy);color:#dbe5ef;padding:84px 0 96px;overflow:hidden}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--accent)}
.hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero .lead{color:#b9c8d8}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0 28px}
.ticks{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.ticks li{display:flex;gap:10px;align-items:flex-start;color:#e6edf4}
.ticks svg{flex:none;margin-top:4px}
.calc{background:#fff;color:var(--ink);border-radius:18px;padding:28px;box-shadow:0 30px 60px rgba(0,0,0,.25)}
.calc .tag{display:inline-block;font-size:.75rem;font-weight:700;color:var(--muted);background:var(--bg-soft);border-radius:999px;padding:4px 10px;margin-bottom:14px}
.calc h3{margin-bottom:18px}
.row{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-bottom:1px dashed var(--line);font-size:.98rem}
.row b{white-space:nowrap}
.row.strike b{color:var(--red);text-decoration:line-through;text-decoration-thickness:2px}
.row.save{border-bottom:0;background:var(--green-soft);margin:12px -12px 0;padding:14px 12px;border-radius:10px;color:var(--green);font-weight:700}
.row.fee{border-bottom:0;color:var(--muted);font-size:.92rem}
.calc .note{font-size:.8rem;color:var(--muted);margin:10px 0 0}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.card .ic{width:44px;height:44px;border-radius:11px;background:#fff6db;display:grid;place-items:center;margin-bottom:16px}
.card p{color:var(--muted);margin:0;font-size:.98rem}
.card .law{display:inline-block;font-size:.78rem;font-weight:700;color:var(--navy-2);background:#eaf1f8;border-radius:6px;padding:3px 8px;margin-bottom:10px}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:44px;counter-reset:s}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 22px 24px}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-18px;left:22px;width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--accent);font-weight:800;display:grid;place-items:center;font-size:1.05rem}
.step h3{margin-top:10px}
.step p{color:var(--muted);font-size:.96rem;margin:0}
.step .who{display:inline-block;margin-top:14px;font-size:.78rem;font-weight:700;color:var(--green);background:var(--green-soft);padding:3px 9px;border-radius:999px}

/* checklist */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.checklist{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.checklist li{display:flex;gap:12px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px}
.checklist li b{display:block;color:var(--navy)}
.checklist li span{color:var(--muted);font-size:.95rem}
.stat{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:28px}
.stat div{background:var(--navy);color:#cfdbe7;border-radius:12px;padding:18px}
.stat strong{display:block;font-size:1.9rem;color:var(--accent);line-height:1.1}

.method{list-style:none;counter-reset:m;padding:0;margin:0;display:grid;gap:14px}
.method li{counter-increment:m;position:relative;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px 16px 66px}
.method li::before{content:counter(m);position:absolute;left:16px;top:16px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--accent);font-weight:800;display:grid;place-items:center}
.method li b{display:block;color:var(--navy)}
.method li span{color:var(--muted);font-size:.95rem}

/* alert */
.alert{background:#fff8e1;border:1px solid #f3d27a;border-left:6px solid var(--accent);border-radius:12px;padding:22px 24px;display:flex;gap:16px;align-items:flex-start}
.alert h3{margin-bottom:.3em}
.alert p{margin:0;color:#5c4a12}

/* pricing */
.price{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.price .card{text-align:center;padding:32px 24px}
.price .big{font-size:2.6rem;font-weight:800;color:var(--navy);line-height:1;margin:10px 0 12px}
.price .card.hl{border:2px solid var(--accent);position:relative}
.price .card.hl::after{content:"Model rozliczenia";position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--accent);color:var(--navy);font-size:.75rem;font-weight:800;padding:3px 12px;border-radius:999px;white-space:nowrap}
.small{font-size:.88rem;color:var(--muted)}

/* who */
.who-box{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:40px}
.who-box .card h3{display:flex;gap:10px;align-items:center}

.brand-img{width:40px;height:40px;border-radius:50%;object-fit:cover;object-position:top;border:2px solid var(--accent);background:#fff}
.who-box.three{grid-template-columns:repeat(3,1fr)}
.brand-card{display:flex;flex-direction:column;align-items:flex-start}
.brand-card img,.brand-card .ic{margin-bottom:18px;border-radius:12px}
.brand-card p{margin-bottom:12px}
.brand-card .owner{margin-top:auto;padding-top:14px;border-top:1px solid var(--line);width:100%;font-size:.9rem;color:var(--ink)}
.brand-card .owner a{font-weight:700;text-decoration:none;color:var(--navy-2)}
.exp{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:36px}
.exp div{background:var(--navy);color:#cfdbe7;border-radius:12px;padding:18px 20px;font-size:.92rem}
.exp strong{display:block;font-size:1.8rem;color:var(--accent);line-height:1.15}
.foot-logos{display:flex;gap:14px;align-items:center;margin-bottom:18px}
.foot-logos img{height:64px;width:auto;background:#fff;border-radius:10px;padding:6px}

#cookieBar{position:fixed;left:16px;right:16px;bottom:16px;z-index:100;max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 20px 50px rgba(11,31,51,.25);padding:18px 20px;display:flex;gap:18px;align-items:center}
#cookieBar p{margin:0;font-size:.88rem;color:var(--ink)}
#cookieBar .cb-btns{display:flex;gap:10px;flex:none}
#cookieBar .cb-no,#cookieBar .cb-yes{border:2px solid var(--navy);background:#fff;color:var(--navy);width:auto}
#cookieBar .cb-yes{background:var(--navy);color:#fff}
@media (max-width:640px){#cookieBar{flex-direction:column;align-items:stretch}#cookieBar .cb-btns>*{flex:1}}

/* faq */
.faq{max-width:820px;margin:40px auto 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;list-style:none;padding:18px 0;font-weight:700;color:var(--navy);display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--accent-dark)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:18px;margin:0}

/* form */
.form-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:start}
.form-side{position:sticky;top:96px}
.form-side .ticks li{color:var(--ink)}
form.lead-form{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px;box-shadow:var(--shadow)}
.f-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.f{display:flex;flex-direction:column;gap:6px}
.f.full{grid-column:1/-1}
label{font-size:.9rem;font-weight:600;color:var(--navy)}
label .opt{font-weight:400;color:var(--muted)}
input,select,textarea{font:inherit;font-size:1rem;padding:12px 14px;border:1px solid #cbd5df;border-radius:10px;background:#fff;color:var(--ink);width:100%}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(245,179,1,.35);border-color:var(--accent-dark)}
input[type=file]{padding:10px;background:var(--bg-soft)}
textarea{min-height:110px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--muted);font-weight:400}
.consent input{width:auto;margin-top:4px}
.rodo-note{font-size:.78rem;color:var(--muted);line-height:1.5;margin:0;background:var(--bg-soft);border-radius:10px;padding:12px 14px}
.form-note{font-size:.82rem;color:var(--muted);margin:14px 0 0}
.err{color:var(--red);font-size:.88rem;display:none}
.hidden{display:none}

/* footer */
footer{background:var(--navy);color:#9fb2c6;padding:56px 0 32px;font-size:.92rem}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
footer h4{color:#fff;margin:0 0 12px;font-size:1rem}
footer a{color:#cfdbe7;text-decoration:none}
footer a:hover{color:var(--accent)}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
footer .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:24px;font-size:.8rem;color:#7f93a8}

/* doc pages */
.doc{max-width:820px;margin:0 auto;padding:64px 20px 88px}
.doc h1{font-size:2rem}
.doc h2{font-size:1.3rem;margin-top:2em}
.doc li{margin-bottom:.4em}

/* responsive */
@media (max-width:980px){
  .hero .grid,.split,.form-wrap{grid-template-columns:1fr;gap:40px}
  .steps{grid-template-columns:repeat(2,1fr);row-gap:36px}
  .cards,.price,.exp{grid-template-columns:1fr 1fr}
  .who-box.three{grid-template-columns:1fr}
  .form-side{position:static}
  footer .cols{grid-template-columns:1fr 1fr}
  .nav a:not(.btn){display:none}
}
@media (max-width:640px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  .section{padding:64px 0}
  .hero{padding:56px 0 64px}
  .cards,.cards.two,.price,.steps,.who-box,.f-grid,.stat{grid-template-columns:1fr}
  footer .cols{grid-template-columns:1fr}
  .brand small{display:none}
  .brand-img{width:34px;height:34px}
  .exp{grid-template-columns:1fr}
  .btn{width:100%}
  .nav .btn{width:auto;padding:9px 12px;font-size:.85rem}
  .brand{font-size:1.02rem}
  form.lead-form{padding:22px}
  .calc{padding:22px}
}