/* =========================================================
   Finvesto Sp. z o.o. — arkusz główny
   Kolejność: font → zmienne → reset → typografia → komponenty → sekcje
   ========================================================= */

/* ---------- Font (self-hosted; bez Google Fonts) ---------- */
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url(../assets/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: 100 900;
  font-display: swap;
  src: url(../assets/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 nagłówkowy (Manrope, variable wght; self-hosted) ----------
   Nowoczesny, geometryczny sans na nagłówki (H1/H2 i akcenty display).
   Czysty, „fintechowy" charakter i wyraźna hierarchia. */
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url(../assets/fonts/manrope-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: 'Manrope';
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url(../assets/fonts/manrope-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 {
  --color-primary: #04193B;
  --color-primary-dark: #02122B;
  --color-secondary: #0255AB;
  --color-secondary-light: #1473D2;
  --color-secondary-dark: #013F7D; /* stan hover przycisków i linków */
  --color-accent: #CDA44A;
  --color-background: #FFFFFF;
  --color-background-soft: #F5F7FA;
  --color-text: #111827;
  --color-text-muted: #64748B;
  --color-border: #DCE3EC;

  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto,
    'Helvetica Neue', Arial, sans-serif;
  --font-display: 'Manrope', 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI',
    Roboto, sans-serif;

  --space-2xs: 0.25rem;
  --space-xs: 0.5rem;
  --space-sm: 0.75rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4rem;

  /* JEDEN promień w całym serwisie. Wyjątek: FAB (koło) i pasek postępu. */
  --radius: 12px;

  /* JEDEN system cieni: ta sama barwa, rośnie tylko miękkość i zasięg. */
  --shadow-sm: 0 1px 2px rgba(4, 25, 59, 0.06);
  --shadow: 0 4px 20px rgba(4, 25, 59, 0.08);
  --shadow-lg: 0 12px 36px rgba(4, 25, 59, 0.10);

  --container: 1160px;
  --topbar-h: 38px;
  --header-h: 74px;
  --top-h: calc(var(--topbar-h) + var(--header-h));

  /* Jednakowy oddech między wszystkimi sekcjami. */
  --section-pad: clamp(4rem, 3rem + 3vw, 6rem);

  --ease: cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
  /* po scrollu topbar jest schowany, więc kotwice omijają sam header */
  scroll-padding-top: calc(var(--header-h) + var(--space-md));
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--color-text);
  background: var(--color-background);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

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

button, input, textarea, select { font: inherit; color: inherit; }
button { cursor: pointer; }

h1, h2, h3, h4, p, figure, blockquote { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }

a { color: var(--color-secondary); text-underline-offset: 2px; }

/* ---------- Dostępność ---------- */
:focus-visible {
  outline: 3px solid var(--color-secondary-light);
  outline-offset: 3px;
  border-radius: 4px;
}
.topbar :focus-visible,
.veliva :focus-visible,
.site-footer :focus-visible,
.hero :focus-visible,
.site-top:not(.is-scrolled) .site-header :focus-visible {
  outline-color: var(--color-accent);
}

.skip-link {
  position: absolute;
  left: var(--space-md);
  top: -100px;
  z-index: 200;
  background: var(--color-background);
  color: var(--color-primary);
  padding: var(--space-sm) var(--space-md);
  border-radius: var(--radius);
  font-weight: 600;
  box-shadow: var(--shadow-lg);
  transition: top 0.2s var(--ease);
}
.skip-link:focus { top: var(--space-md); }

/* Bezpieczne ukrycie: nie tworzy overflow (w przeciwieństwie do left:-9999px). */
.visually-hidden, .hp {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  clip-path: inset(50%);
  white-space: nowrap;
  border: 0;
}

/* ---------- Typografia ---------- */
/* H1/H2: display sans (Manrope, mocniejsza waga). H3 zostaje na Inter. */
.h1, .h2 {
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: -0.03em;
  text-wrap: balance;
}
.h3 { letter-spacing: -0.02em; font-weight: 700; }
.h1 { font-size: clamp(2rem, 1.35rem + 2.6vw, 3.35rem); line-height: 1.12; }
.h2 { font-size: clamp(1.7rem, 1.24rem + 1.95vw, 2.55rem); line-height: 1.15; }
.h3 { font-size: clamp(1.1rem, 1.03rem + 0.3vw, 1.25rem); line-height: 1.35; }

.lead {
  font-size: clamp(1.02rem, 0.98rem + 0.3vw, 1.15rem);
  color: var(--color-text-muted);
  line-height: 1.6;
}

.eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-secondary);
  margin-bottom: var(--space-sm);
}
/* etykiety na ciemnym tle: białe (korporacyjny, stonowany ton — bez złota) */
.eyebrow--onDark { color: #fff; }

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--space-lg);
}

/* Wszystkie sekcje mają identyczny oddech. */
.section { padding-block: var(--section-pad); }
.section--soft { background: var(--color-background-soft); }
.section--primary { background: var(--color-primary); color: #fff; }

.section-head { max-width: 44rem; margin-bottom: var(--space-2xl); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head .lead { margin-top: var(--space-sm); }
.section--primary .lead { color: rgba(255, 255, 255, 0.72); }

/* ---------- Przyciski ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-xs);
  padding: 0.75rem 1.4rem;
  min-height: 48px;
  background: var(--color-secondary);
  color: #fff;
  border: 1.5px solid var(--color-secondary);
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  white-space: nowrap;
}

.btn--ghost { background: transparent; color: var(--color-primary); border-color: var(--color-border); }

.btn--onDark { background: #fff; color: var(--color-primary); border-color: #fff; }

/* biały przycisk na jasnym tle (np. CTA w menu mobilnym): białe tło,
   granatowy tekst, bez widocznej ramki — czytelność daje miękki cień */
.btn--white {
  background: #fff;
  color: var(--color-primary);
  border-color: #fff;
  box-shadow: 0 6px 18px -6px rgba(4, 25, 59, 0.28);
}

/* wariant na zdjęciu hero */
.btn--onHero { background: transparent; color: #fff; border-color: rgba(255, 255, 255, 0.45); }

.btn--lg { padding: 0.9rem 1.75rem; font-size: 1rem; min-height: 54px; }
.btn--block { width: 100%; }

.arrow-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2xs);
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none;
  color: var(--color-secondary);
}

/* =========================================================
   Topbar + Header (wspólny, przyklejony blok)
   ========================================================= */
.site-top {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 100;
  transition: transform 0.3s var(--ease);
}
/* scroll w dół chowa tylko topbar, header zostaje przy krawędzi */
.site-top.is-compact { transform: translateY(calc(-1 * var(--topbar-h))); }

/* ---------- Topbar ---------- */
.topbar {
  height: var(--topbar-h);
  background: var(--color-primary);
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.8125rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.topbar__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-lg);
  height: var(--topbar-h);
}
.topbar__group { display: flex; align-items: center; gap: var(--space-lg); }
.topbar__group--left { display: none; margin-right: auto; }
.topbar__group--right { display: flex; }
.topbar li { display: flex; align-items: center; gap: 0.4rem; white-space: nowrap; }
.topbar svg { color: var(--color-accent); flex-shrink: 0; }
.topbar a { color: rgba(255, 255, 255, 0.72); text-decoration: none; }

/* ---------- Header ---------- */
.site-header {
  height: var(--header-h);
  background: transparent;
  border-bottom: 1px solid transparent;
  transition: background-color 0.25s var(--ease), border-color 0.25s var(--ease),
    box-shadow 0.25s var(--ease);
}
/* na topie strony: przezroczysty na hero. Po scrollu: biały + subtelny cień. */
.site-top.is-scrolled .site-header {
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom-color: var(--color-border);
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-lg);
  height: var(--header-h);
}

/* logo: dwie wersje, przełączane razem ze stanem headera */
.logo {
  display: grid;
  align-items: center;
  flex-shrink: 0;
  padding-block: var(--space-2xs); /* oddech wokół logo */
}
.logo img {
  grid-area: 1 / 1;
  width: 150px;
  height: auto;
  transition: opacity 0.25s var(--ease);
}
.logo__img--dark { opacity: 0; }
.site-top.is-scrolled .logo__img--light { opacity: 0; }
.site-top.is-scrolled .logo__img--dark { opacity: 1; }

.nav { display: none; }
.nav ul { display: flex; align-items: center; gap: var(--space-lg); }
.nav a {
  position: relative;
  display: block;
  padding-block: var(--space-2xs);
  color: rgba(255, 255, 255, 0.85);
  font-weight: 500;
  font-size: 0.9375rem;
  text-decoration: none;
}
.site-top.is-scrolled .nav a { color: var(--color-primary); }
/* podkreślenie tylko dla aktywnej pozycji menu */
.nav a::after {
  content: '';
  position: absolute;
  left: 0; bottom: -2px;
  width: 100%; height: 1.5px;
  background: var(--color-accent);
  transform: scaleX(0);
  transform-origin: left;
}
.nav a.is-active::after { transform: scaleX(1); }
.nav a.is-active { color: #fff; }
.site-top.is-scrolled .nav a.is-active { color: var(--color-primary); }

.header-actions { display: flex; align-items: center; gap: var(--space-md); }

.header-cta { display: none; }

/* mobilna ikona „zadzwoń" — para z hamburgerem; złota słuchawka dla czytelnego CTA */
.header-call {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px; height: 44px;
  border: 1px solid rgba(255, 255, 255, 0.3);
  border-radius: var(--radius);
  color: var(--color-accent);
}
.site-top.is-scrolled .header-call { border-color: var(--color-border); color: var(--color-secondary); }

/* hamburger */
.nav-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px; height: 44px;
  background: transparent;
  border: 1px solid rgba(255, 255, 255, 0.3);
  border-radius: var(--radius);
  color: #fff;
  transition: border-color 0.2s var(--ease), color 0.2s var(--ease);
}
.site-top.is-scrolled .nav-toggle { border-color: var(--color-border); color: var(--color-primary); }
.nav-toggle span {
  position: relative;
  display: block;
  width: 20px; height: 1.5px;
  background: currentColor;
  transition: background-color 0.2s var(--ease);
}
.nav-toggle span::before, .nav-toggle span::after {
  content: '';
  position: absolute;
  left: 0;
  width: 20px; height: 1.5px;
  background: currentColor;
  transition: transform 0.25s var(--ease), top 0.25s var(--ease);
}
.nav-toggle span::before { top: -6px; }
.nav-toggle span::after { top: 6px; }
.nav-toggle[aria-expanded='true'] span { background: transparent; }
.nav-toggle[aria-expanded='true'] span::before { top: 0; transform: rotate(45deg); }
.nav-toggle[aria-expanded='true'] span::after { top: 0; transform: rotate(-45deg); }

/* panel mobilny */
.mobile-nav {
  position: fixed;
  inset: var(--top-h) 0 auto 0;
  z-index: 99;
  background: var(--color-background);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-lg);
  padding: var(--space-md) 0 var(--space-lg);
  transform: translateY(-110%);
  opacity: 0;
  visibility: hidden;
  transition: transform 0.3s var(--ease), opacity 0.3s var(--ease), visibility 0.3s,
    inset 0.3s var(--ease);
  max-height: calc(100dvh - var(--top-h));
  overflow-y: auto;
}
.site-top.is-compact ~ .mobile-nav { inset-block-start: var(--header-h); }
.mobile-nav.is-open { transform: translateY(0); opacity: 1; visibility: visible; }
.mobile-nav ul { display: flex; flex-direction: column; }
/* tylko linki nawigacji — NIE przyciski .btn w stopce menu */
.mobile-nav nav a {
  display: block;
  padding: var(--space-md) var(--space-lg);
  color: var(--color-primary);
  font-weight: 500;
  text-decoration: none;
  border-bottom: 1px solid var(--color-border);
}
.mobile-nav__foot { display: grid; gap: var(--space-sm); padding: var(--space-lg) var(--space-lg) 0; }
/* przyciski CTA w stopce menu — wyśrodkowane, solidne */
.mobile-nav__foot .btn { min-height: 52px; font-size: 1rem; }

/* =========================================================
   Hero
   ========================================================= */
.hero {
  position: relative;
  display: flex;
  align-items: center;
  min-height: clamp(560px, 82vh, 780px);
  padding-top: calc(var(--top-h) + var(--space-2xl));
  padding-bottom: var(--section-pad);
  background: var(--color-primary);
  color: #fff;
  overflow: hidden;
}
.hero__media { position: absolute; inset: 0; z-index: 0; }
/* Duotone: zdjęcie odbarwione i przyciemnione, warstwa granatu w trybie multiply
   robi z realistycznego stocka spójny, markowy monochrom (mniej "zdjęcie z banku"). */
.hero__media img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: center right;
  /* rozjaśniamy przed mnożeniem, żeby duotone nie zjadł detalu zdjęcia */
  filter: grayscale(1) contrast(1.12) brightness(1.28);
}
.hero__media::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  background: var(--color-secondary);
  mix-blend-mode: multiply;
}

/* Kierunkowy gradient od lewej + delikatny film-grain: mocny pod tekstem,
   zdjęcie oddycha po prawej. Ziarno odejmuje płaskości. Wartości dobrane tak,
   żeby biały tekst trzymał kontrast AA (sprawdzone). */
.hero__media::after {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 2;
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.32'/%3E%3C/svg%3E"),
    linear-gradient(94deg,
      rgba(2, 18, 43, 0.93) 0%,
      rgba(2, 18, 43, 0.86) 32%,
      rgba(4, 25, 59, 0.55) 58%,
      rgba(4, 25, 59, 0.18) 82%,
      rgba(4, 25, 59, 0.06) 100%);
  background-size: 160px 160px, cover;
}
/* na wąskich ekranach: to samo, spójne ciemnogranatowe tło co w strefie tekstu
   na desktopie — jednolity kolor + ten sam film-grain, żeby zdjęcie nie
   prześwitywało jasnym pasem i nie zakłócało hierarchii białego tekstu */
@media (max-width: 767px) {
  .hero__media::after {
    background:
      url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.32'/%3E%3C/svg%3E"),
      linear-gradient(180deg,
        rgba(2, 18, 43, 0.94) 0%,
        rgba(3, 21, 50, 0.90) 50%,
        rgba(4, 25, 59, 0.93) 100%);
    background-size: 160px 160px, cover;
  }
}

.hero .container { position: relative; z-index: 1; }

/* układ: treść po lewej, formularz-karta po prawej */
.hero__grid { display: grid; gap: var(--space-2xl); align-items: center; }
.hero__content { max-width: 40rem; }
.hero__kicker {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  margin-bottom: var(--space-md);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.74);
}
.hero__kicker::before {
  content: '';
  width: 30px; height: 2px;
  background: var(--color-accent);
  flex-shrink: 0;
}
.hero .h1 { color: #fff; }
.hero .h1 em { font-style: normal; color: #fff; }
.hero__lead {
  margin-top: var(--space-md);
  font-size: clamp(1rem, 0.96rem + 0.35vw, 1.15rem);
  color: rgba(255, 255, 255, 0.82);
  max-width: 34rem;
}

.hero__trust {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-sm) var(--space-lg);
  margin-top: var(--space-xl);
  padding-top: var(--space-lg);
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}
.hero__trust li {
  display: flex;
  align-items: center;
  gap: var(--space-xs);
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.8);
}
.hero__trust svg { color: var(--color-accent); flex-shrink: 0; }

/* =========================================================
   Formularz w hero (karta konwersyjna) — świeży, kompaktowy
   ========================================================= */
.hero__form-wrap { width: 100%; }
.hero-form {
  background: #fff;
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: 18px;
  padding: clamp(1.15rem, 0.9rem + 1vw, 1.6rem);
  box-shadow: 0 26px 60px -22px rgba(2, 18, 43, 0.5), 0 3px 10px rgba(2, 18, 43, 0.06);
  color: var(--color-text);
}

.hero-form__head { margin-bottom: var(--space-md); text-align: center; }
.hero-form__badge {
  display: inline-block;
  margin-bottom: var(--space-xs);
  padding: 0.25rem 0.6rem;
  background: rgba(2, 85, 171, 0.09);
  color: var(--color-secondary);
  border-radius: 999px;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.hero-form__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(1.5rem, 1.25rem + 0.8vw, 1.85rem);
  line-height: 1.1;
  letter-spacing: -0.03em;
  color: var(--color-primary);
}

/* pola w stylu "filled": miękkie tło, brak ciężkiej ramki */
.hero-form .field { margin-bottom: var(--space-sm); gap: 0.3rem; }
.hero-form label { font-size: 0.8rem; font-weight: 600; color: var(--color-primary); }
.hero-form input,
.hero-form textarea,
.hero-form select {
  min-height: 46px;
  padding: 0.6rem 0.85rem;
  background: var(--color-background-soft);
  border: 1.5px solid transparent;
  border-radius: 11px;
}
.hero-form textarea { min-height: 74px; }
.hero-form input:focus,
.hero-form textarea:focus,
.hero-form select:focus {
  background: #fff;
  border-color: var(--color-secondary);
  box-shadow: 0 0 0 3px rgba(2, 85, 171, 0.14);
}

.hero-form .consent { margin-top: var(--space-2xs); margin-bottom: var(--space-sm); }
.hero-form .btn { margin-top: var(--space-2xs); border-radius: 12px; }

.hero-form__note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  margin-top: var(--space-sm);
  font-size: 0.8rem;
  color: var(--color-text-muted);
}
.hero-form__note svg { color: var(--color-secondary); flex-shrink: 0; }

/* =========================================================
   FAB — telefon
   ========================================================= */
.fab {
  position: fixed;
  right: var(--space-lg);
  bottom: var(--space-lg);
  z-index: 90;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px; height: 56px;
  background: var(--color-secondary);
  color: #fff;
  border-radius: 50%; /* jedyny wyjątek od --radius */
  box-shadow: var(--shadow-lg);
  text-decoration: none;
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: opacity 0.3s var(--ease), transform 0.3s var(--ease),
    visibility 0.3s, background-color 0.2s var(--ease);
}
.fab.is-visible { opacity: 1; visibility: visible; transform: none; }

/* bardzo subtelny puls: jeden pierścień, wolno, bez migania */
.fab::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 1.5px solid var(--color-secondary);
  animation: fab-pulse 3.2s var(--ease) infinite;
}
@keyframes fab-pulse {
  0%   { transform: scale(1);   opacity: 0.5; }
  70%  { transform: scale(1.5); opacity: 0; }
  100% { transform: scale(1.5); opacity: 0; }
}

.fab__label {
  position: absolute;
  right: calc(100% + 10px);
  padding: 0.35rem 0.6rem;
  background: var(--color-primary);
  color: #fff;
  border-radius: var(--radius);
  font-size: 0.8125rem;
  font-weight: 600;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transform: translateX(6px);
  transition: opacity 0.2s var(--ease), transform 0.2s var(--ease);
}
.fab:focus-visible .fab__label { opacity: 1; transform: none; }

/* =========================================================
   Oferta
   ========================================================= */
.offer-featured { display: grid; gap: var(--space-lg); margin-bottom: var(--space-lg); }

.card-feat {
  position: relative;
  display: flex;
  flex-direction: column;
  background: var(--color-background);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.card-feat__media { position: relative; aspect-ratio: 3 / 2; background: var(--color-background-soft); }
.card-feat__media img { width: 100%; height: 100%; object-fit: cover; }
.card-feat__body { display: flex; flex-direction: column; flex: 1; gap: var(--space-sm); padding: var(--space-lg); }
.card-feat__body p { color: var(--color-text-muted); font-size: 0.9375rem; }
.card-feat .arrow-link { margin-top: auto; padding-top: var(--space-xs); align-self: flex-start; }

.badge {
  position: absolute;
  top: var(--space-sm);
  left: var(--space-sm);
  z-index: 1;
  display: inline-flex;
  padding: 0.35rem 0.7rem;
  background: rgba(2, 18, 43, 0.92);
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 4px;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.offer-grid { display: grid; gap: var(--space-lg); grid-template-columns: 1fr; }

.card {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  padding: var(--space-lg);
  background: var(--color-background);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.card p { color: var(--color-text-muted); font-size: 0.9375rem; }
.card .arrow-link { margin-top: auto; padding-top: var(--space-xs); align-self: flex-start; }

/* ikona w wyraźnym kaflu — mocna, „korpo" definicja karty */
.card__icon {
  box-sizing: border-box;
  width: 52px; height: 52px;
  padding: 13px;
  margin-bottom: var(--space-md);
  background: rgba(2, 85, 171, 0.09);
  color: var(--color-secondary);
  border-radius: var(--radius);
}

/* =========================================================
   Dlaczego Finvesto
   ========================================================= */
.why-grid { display: grid; gap: var(--space-lg); }
/* wyraźne, zdefiniowane karty na ciemnej sekcji (mocniejszy podział) */
.why-item {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  padding: var(--space-lg);
  background: rgba(255, 255, 255, 0.045);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius);
}
.why-item__icon {
  box-sizing: border-box;
  width: 52px; height: 52px;
  padding: 13px;
  margin-bottom: var(--space-sm);
  background: rgba(255, 255, 255, 0.08);
  color: var(--color-accent);
  border-radius: var(--radius);
}
.why-item h3 { color: #fff; }
.why-item p { color: rgba(255, 255, 255, 0.7); font-size: 0.9375rem; }

/* =========================================================
   Jak to działa
   ========================================================= */
/* kroki: wyraźne, zdefiniowane karty z mocnym numerem w kółku */
.steps { display: grid; gap: var(--space-lg); }
.step {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  padding: var(--space-xl) var(--space-lg) var(--space-lg);
  background: var(--color-background);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.step__num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 54px; height: 54px;
  background: var(--color-primary);
  color: #fff;
  border-radius: 50%;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.4rem;
  line-height: 1;
}
.step__body { display: flex; flex-direction: column; gap: var(--space-2xs); }
.step p { color: var(--color-text-muted); font-size: 0.9375rem; }

/* =========================================================
   FAQ
   ========================================================= */
.faq { max-width: 46rem; margin-inline: auto; }
.faq__item { border-bottom: 1px solid var(--color-border); }
.faq__q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  width: 100%;
  padding: var(--space-lg) 0;
  background: transparent;
  border: 0;
  text-align: left;
  font-weight: 600;
  font-size: 1.0625rem;
  line-height: 1.4;
  color: var(--color-primary);
  transition: color 0.2s var(--ease);
}
.faq__icon { flex-shrink: 0; color: var(--color-secondary); transition: transform 0.25s var(--ease); }
.faq__q[aria-expanded='true'] .faq__icon { transform: rotate(180deg); }

.faq__a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 0.3s var(--ease); }
.faq__a.is-open { grid-template-rows: 1fr; }
.faq__a > div { overflow: hidden; }
.faq__a p { padding-bottom: var(--space-lg); color: var(--color-text-muted); max-width: 42rem; }

/* =========================================================
   Veliva
   ========================================================= */
.veliva { background: var(--color-primary-dark); color: #fff; }
.veliva__inner { display: grid; gap: var(--space-xl); align-items: center; }
.veliva__logo { width: 152px; height: auto; margin-bottom: var(--space-md); }
.veliva h2 { color: #fff; }
.veliva p { color: rgba(255, 255, 255, 0.72); margin-top: var(--space-sm); max-width: 32rem; }
.veliva__media { border-radius: var(--radius); overflow: hidden; aspect-ratio: 3 / 2; }
.veliva__media img { width: 100%; height: 100%; object-fit: cover; }
.veliva .btn { margin-top: var(--space-lg); }

/* =========================================================
   Kontakt
   ========================================================= */
.contact-grid { display: grid; gap: var(--space-2xl); }

.form-card {
  padding: var(--space-lg);
  background: var(--color-background);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.form-row { display: grid; gap: var(--space-md); }
.field { display: flex; flex-direction: column; gap: var(--space-2xs); margin-bottom: var(--space-md); }
.field label { font-weight: 600; font-size: 0.875rem; color: var(--color-primary); }
.field .req { color: var(--color-secondary); }

.field input, .field textarea, .field select {
  width: 100%;
  padding: 0.7rem 0.85rem;
  min-height: 48px;
  background: var(--color-background);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius);
  color: var(--color-text);
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease);
}
.field textarea { min-height: 120px; resize: vertical; }
.field input::placeholder, .field textarea::placeholder { color: #9AA7B8; }
.field input:focus, .field textarea:focus, .field select:focus {
  outline: none;
  border-color: var(--color-secondary);
  box-shadow: 0 0 0 3px rgba(2, 85, 171, 0.14);
}
.field input[aria-invalid='true'], .field textarea[aria-invalid='true'] { border-color: #C0392B; }
.field input[aria-invalid='true']:focus, .field textarea[aria-invalid='true']:focus {
  box-shadow: 0 0 0 3px rgba(192, 57, 43, 0.14);
}
.field__error { font-size: 0.8125rem; font-weight: 500; color: #C0392B; min-height: 1.2em; }

.consent { display: flex; align-items: flex-start; gap: var(--space-sm); margin-bottom: var(--space-md); }
.consent input[type='checkbox'] {
  flex-shrink: 0;
  width: 18px; height: 18px;
  min-height: 0;
  margin-top: 3px;
  accent-color: var(--color-secondary);
  cursor: pointer;
}
.consent label { font-size: 0.8125rem; line-height: 1.5; color: var(--color-text-muted); font-weight: 400; }

.form-status {
  margin-top: var(--space-md);
  padding: var(--space-md);
  border-radius: var(--radius);
  font-size: 0.9375rem;
  font-weight: 500;
  display: none;
}
.form-status.is-visible { display: block; }
.form-status--ok { background: #E8F5EC; color: #1B5E36; border: 1px solid #B8E0C6; }
.form-status--err { background: #FDECEA; color: #8E2A20; border: 1px solid #F5C6C0; }

.contact-info {
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
  padding: var(--space-lg);
  background: var(--color-background);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.info-list { display: flex; flex-direction: column; gap: var(--space-lg); }
.info-item { display: flex; gap: var(--space-md); align-items: center; }
.info-item__icon {
  box-sizing: border-box;
  width: 44px; height: 44px;
  padding: 11px;
  flex-shrink: 0;
  background: rgba(2, 85, 171, 0.09);
  color: var(--color-secondary);
  border-radius: 10px;
}
.info-item__label {
  display: block;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-text-muted);
}
.info-item a, .info-item p { font-weight: 500; color: var(--color-primary); text-decoration: none; }
.info-item address { font-style: normal; font-weight: 500; color: var(--color-primary); }

.contact-map { display: flex; flex-direction: column; gap: var(--space-sm); }
.map {
  flex: 1;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--color-border);
  background: var(--color-background-soft);
  line-height: 0;
}
.map iframe { width: 100%; height: 100%; min-height: 320px; border: 0; }
.map-link { font-size: 0.8125rem; }

/* =========================================================
   Stopka
   ========================================================= */
.site-footer { background: var(--color-primary); color: rgba(255, 255, 255, 0.68); }
.footer-top { display: grid; gap: var(--space-2xl); padding-block: var(--section-pad); }
.footer-brand img { width: 152px; height: auto; margin-bottom: var(--space-md); }
.footer-brand p { font-size: 0.9375rem; max-width: 28rem; }

.footer-col h3 {
  color: #fff;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: var(--space-md);
}
.footer-col li + li { margin-top: var(--space-xs); }
.footer-col a {
  color: rgba(255, 255, 255, 0.68);
  font-size: 0.9375rem;
  text-decoration: none;
}
.footer-links { margin-top: var(--space-md); }

.company-meta { font-size: 0.875rem; line-height: 1.85; font-style: normal; }
.company-meta strong { color: #fff; font-weight: 600; }

.socials { display: flex; gap: var(--space-xs); margin-top: var(--space-md); }
.socials a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px; height: 38px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  color: rgba(255, 255, 255, 0.72);
}

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-md);
  align-items: center;
  justify-content: space-between;
  padding-block: var(--space-lg);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.8125rem;
}
.footer-bottom ul { display: flex; flex-wrap: wrap; gap: var(--space-lg); }
.footer-bottom a { color: rgba(255, 255, 255, 0.68); text-decoration: none; }

/* podpis wykonawcy — osobny wiersz, wyśrodkowany, dyskretny */
.footer-credit {
  width: 100%;
  margin: 0;
  text-align: center;
  color: rgba(255, 255, 255, 0.45);
}
.footer-credit a { color: rgba(255, 255, 255, 0.68); text-decoration: none; }

/* =========================================================
   Animacje wejścia
   ========================================================= */
.reveal {
  opacity: 0;
  transform: translateY(14px);
  transition: opacity 0.5s var(--ease), transform 0.5s var(--ease);
}
.reveal.is-visible { opacity: 1; transform: none; }

/* =========================================================
   Zaznaczanie tekstu w barwach marki
   (celowo bez efektów :hover — interfejs pozostaje statyczny)
   ========================================================= */
::selection { background: var(--color-accent); color: var(--color-primary); }

/* =========================================================
   Breakpointy
   ========================================================= */
@media (min-width: 600px) {
  .offer-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .hero__trust { grid-template-columns: repeat(3, auto); justify-content: start; }
  .form-row--2 { grid-template-columns: repeat(2, 1fr); }
  .form-row--2 .field { margin-bottom: 0; }
  .form-row { margin-bottom: var(--space-md); }
  .topbar__group--left { display: flex; }
  .topbar__inner { justify-content: space-between; }
}

@media (min-width: 860px) {
  .offer-featured { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(3, 1fr); gap: var(--space-2xl); }
  .veliva__inner { grid-template-columns: 1fr 1fr; gap: var(--space-3xl); }
  .contact-grid { grid-template-columns: 1.05fr 0.95fr; }
  .footer-top { grid-template-columns: 1.5fr 1fr 1fr; }
  .form-card { padding: var(--space-xl); }
  .card, .card-feat__body { padding: var(--space-xl); }
}

@media (min-width: 960px) {
  .nav { display: block; }
  .nav-toggle { display: none; }
  .header-call { display: none; }
  .mobile-nav { display: none; }
  .header-cta { display: inline-flex; }
  .offer-grid { grid-template-columns: repeat(3, 1fr); }
  .why-grid { grid-template-columns: repeat(4, 1fr); }
  .hero__grid { grid-template-columns: 1.02fr minmax(400px, 452px); gap: var(--space-3xl); }

  /* karta formularza w hero — niższa na desktopie (ciaśniejsze odstępy) */
  .hero-form { padding: 1.25rem 1.4rem; }
  .hero-form__head { margin-bottom: var(--space-sm); }
  .hero-form .field { margin-bottom: 0.6rem; }
  .hero-form input,
  .hero-form select { min-height: 44px; }
  .hero-form textarea { min-height: 58px; }
}

/* Hero w układzie kolumnowym (poniżej 960px): karta formularza nie rozlewa
   się na całą szerokość tabletu — węższe pola wypełnia się wygodniej. */
@media (max-width: 959px) {
  .hero__form-wrap { max-width: 520px; }
}

/* stopka wyśrodkowana na telefonie (na desktopie wraca do 3 kolumn) */
@media (max-width: 859px) {
  .footer-top { text-align: center; }
  .footer-brand img { margin-inline: auto; }
  .footer-brand p { margin-inline: auto; }
  .company-meta { text-align: center; }
  .footer-links { display: flex; flex-direction: column; align-items: center; }
  .footer-bottom { flex-direction: column; text-align: center; justify-content: center; }
  .footer-bottom ul { justify-content: center; }
}

/* =========================================================
   Zgoda na pliki cookie (banner)
   ========================================================= */
/* przycisk wyglądający jak link (np. „Ustawienia cookies” w stopce) */
.linklike {
  background: none;
  border: 0;
  padding: 0;
  font: inherit;
  color: rgba(255, 255, 255, 0.68);
  cursor: pointer;
  text-decoration: none;
}

.cookie {
  position: fixed;
  inset: auto 0 0 0;
  z-index: 300;
  display: flex;
  justify-content: center;
  padding: var(--space-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: opacity 0.3s var(--ease), transform 0.3s var(--ease), visibility 0.3s;
  pointer-events: none;
}
.cookie.is-visible { opacity: 1; visibility: visible; transform: none; pointer-events: auto; }
/* atrybut hidden musi wygrać z klasami ustawiającymi display (.btn, .cookie__options) */
.cookie [hidden] { display: none !important; }

.cookie__panel {
  width: 100%;
  max-width: 680px;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: var(--space-lg);
  display: grid;
  gap: var(--space-md);
}
.cookie__title {
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: -0.01em;
  color: var(--color-primary);
}
.cookie__text {
  font-size: 0.9rem;
  line-height: 1.6;
  color: var(--color-text-muted);
  margin-top: var(--space-2xs);
  max-width: 62ch;
}
.cookie__text a { color: var(--color-secondary); }

.cookie__options { display: grid; gap: var(--space-sm); margin-top: var(--space-sm); }
.cookie__opt { display: flex; align-items: flex-start; gap: var(--space-sm); }
.cookie__opt input {
  flex-shrink: 0;
  width: 18px; height: 18px;
  margin-top: 3px;
  accent-color: var(--color-secondary);
  cursor: pointer;
}
.cookie__opt--locked input { cursor: not-allowed; }
.cookie__opt span { display: flex; flex-direction: column; gap: 1px; }
.cookie__opt strong { font-size: 0.875rem; font-weight: 600; color: var(--color-primary); }
.cookie__opt small { font-size: 0.8125rem; line-height: 1.45; color: var(--color-text-muted); }

.cookie__actions { display: flex; flex-wrap: wrap; align-items: center; gap: var(--space-sm); }

/* link „Dostosuj ustawienia" — na desktopie z lewej, na mobile na dole, wyśrodkowany */
.cookie__toggle {
  order: 1;
  margin-right: auto;
  padding: 6px 2px;
  background: none;
  border: 0;
  font: inherit;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-secondary);
  text-decoration: underline;
  text-underline-offset: 2px;
  cursor: pointer;
}
.cookie__btn--reject { order: 2; }
.cookie__btn--save { order: 3; }
.cookie__btn--accept { order: 4; }
.cookie__btn { flex: 0 0 auto; min-width: 148px; }

/* na wąskich ekranach: przyciski na całą szerokość, decyzja u dołu (kciuk) */
@media (max-width: 559px) {
  .cookie__btn { flex: 1 1 100%; min-width: 0; }
  .cookie__toggle {
    order: 5;
    width: 100%;
    margin: var(--space-2xs) 0 0;
    text-align: center;
  }
}

/* ---------- Pływająca ikona ciasteczka (dostęp do zgód) ---------- */
.cookie-fab {
  position: fixed;
  left: var(--space-lg);
  bottom: var(--space-lg);
  z-index: 85;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px; height: 46px;
  background: #fff;
  color: var(--color-primary);
  border: 1px solid var(--color-border);
  border-radius: 50%;
  box-shadow: var(--shadow);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.3s var(--ease), transform 0.3s var(--ease), visibility 0.3s;
}
.cookie-fab.is-visible { opacity: 1; visibility: visible; transform: none; }
.cookie-fab svg { pointer-events: none; }

/* =========================================================
   Preferencje / druk
   ========================================================= */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .reveal { opacity: 1; transform: none; }
  .fab::before { animation: none; }
}

@media print {
  .site-top, .mobile-nav, .hero__actions, .fab, .map { display: none; }
  body { color: #000; }
  .hero { min-height: auto; padding-top: var(--space-xl); color: #000; background: #fff; }
  .hero__media { display: none; }
  .hero .h1, .hero__lead, .hero__trust li { color: #000; }
  .cookie, .legal-top .legal-back { display: none; }
}

/* =========================================================
   Strony prawne (Regulamin / Polityka prywatności / RODO)
   ========================================================= */
.legal-top { background: var(--color-primary); }
.legal-top .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  min-height: var(--header-h);
  padding-block: var(--space-sm);
}
.legal-top .logo img { width: 140px; height: auto; }
.legal-back {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: rgba(255, 255, 255, 0.85);
  font-weight: 500;
  font-size: 0.9375rem;
  text-decoration: none;
  white-space: nowrap;
}
.legal-back svg { flex-shrink: 0; }

.legal { padding-block: clamp(2.5rem, 2rem + 2vw, 4rem); }
.legal__inner { max-width: 46rem; margin-inline: auto; }
.legal__eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-secondary);
  margin-bottom: var(--space-sm);
}
.legal h1 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(1.9rem, 1.5rem + 1.6vw, 2.6rem);
  line-height: 1.15;
  letter-spacing: -0.03em;
  color: var(--color-primary);
  text-wrap: balance;
}
.legal__meta { margin-top: var(--space-sm); color: var(--color-text-muted); font-size: 0.9rem; }
.legal h2 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.4rem;
  line-height: 1.25;
  letter-spacing: -0.02em;
  color: var(--color-primary);
  margin-top: var(--space-2xl);
  margin-bottom: var(--space-xs);
}
.legal h3 {
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-top: var(--space-lg);
  margin-bottom: var(--space-2xs);
}
.legal p { margin-top: var(--space-sm); color: var(--color-text); }
.legal ul, .legal ol { margin-top: var(--space-sm); padding-left: 1.3rem; color: var(--color-text); }
.legal ul { list-style: disc; }
.legal ol { list-style: decimal; }
.legal li { margin-top: 0.35rem; }
.legal li::marker { color: var(--color-secondary); }
.legal a { color: var(--color-secondary); }
.legal address { font-style: normal; line-height: 1.7; }
.legal strong { color: var(--color-primary); }

.legal__box {
  margin-top: var(--space-lg);
  padding: var(--space-lg);
  background: var(--color-background-soft);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
}
.legal__box p:first-child { margin-top: 0; }

.legal-foot {
  padding-block: var(--space-xl);
  background: var(--color-primary);
  color: rgba(255, 255, 255, 0.68);
}
.legal-foot .container {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-md);
  align-items: center;
  justify-content: space-between;
  font-size: 0.8125rem;
}
.legal-foot ul { display: flex; flex-wrap: wrap; gap: var(--space-lg); }
.legal-foot a, .legal-foot .linklike { color: rgba(255, 255, 255, 0.68); text-decoration: none; font-size: 0.8125rem; }