/* ========================================
   CSS RESET & VARIABLES
   ======================================== */
:root {
    /* Base — branding v2.1 (KEEP) */
    --granat: #1B2A4A;
    --granat-light: #243660;
    --zielony: #1A8A5C;
    --zielony-light: #20a06b;
    --zielony-dark: #157a4e;
    --bialy: #FFFFFF;
    --szary: #F5F7FA;
    --zloty: #D4A843;
    --zloty-light: #e0b84f;
    --tekst: #1B2A4A;
    --tekst-secondary: #5A6B7F;
    --border: #E2E8F0;
    --alert: #DC3545;
    --success: #1A8A5C;

    /* V1 Trust & Clarity extensions (Fintech Minimalist) */
    --mist: #FAFBFD;
    --pearl-border: #EAEEF5;
    --ink: #0E1A33;
    --ink-secondary: #4A5A75;
    --ink-tertiary: #8090A8;
    --gradient-trust: linear-gradient(135deg, #F8FAFD 0%, #EEF3FA 100%);
    --gradient-action: linear-gradient(135deg, #1A8A5C 0%, #20a06b 100%);
    --shadow-card: 0 4px 24px -8px rgba(27, 42, 74, 0.08);
    --shadow-card-hover: 0 12px 40px -12px rgba(27, 42, 74, 0.14);
    --shadow-cta: 0 12px 32px -8px rgba(26, 138, 92, 0.32);
    --glow-success: 0 0 0 3px rgba(26, 138, 92, 0.12);
    --glow-alert: 0 0 0 3px rgba(220, 53, 69, 0.12);
    --ease-fintech: cubic-bezier(0.22, 1, 0.36, 1);
}

*,
*::before,
*::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: 'Inter', sans-serif;
    font-weight: 400;
    line-height: 1.6;
    color: var(--tekst);
    background: var(--bialy);
    overflow-x: hidden;
    padding-bottom: 70px;
    font-variant-numeric: lining-nums tabular-nums;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

/* V1 a11y — focus-visible + reduced-motion (WCAG) */
:focus-visible {
    outline: 2px solid var(--zielony);
    outline-offset: 3px;
    border-radius: 2px;
}

@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
    }
}

img {
    max-width: 100%;
    display: block;
}

a {
    color: inherit;
    text-decoration: none;
}

ul, ol {
    list-style: none;
}

/* ========================================
   TYPOGRAPHY
   ======================================== */
h1, h2, h3, h4 {
    font-family: 'Montserrat', sans-serif;
    color: var(--granat);
    line-height: 1.2;
}

h1 {
    font-weight: 700;
    font-size: clamp(2rem, 3.5vw, 3rem);
    letter-spacing: -0.02em;
}

h2 {
    font-weight: 700;
    font-size: clamp(1.5rem, 2.5vw, 2.2rem);
    letter-spacing: -0.01em;
}

h3 {
    font-weight: 600;
    font-size: 1.3rem;
}

p {
    font-family: 'Inter', sans-serif;
    font-weight: 400;
    line-height: 1.7;
    color: var(--tekst-secondary);
}

.overline {
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.75rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--zielony);
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}

.overline svg { width: 14px; height: 14px; flex-shrink: 0; }

.overline--zloty {
    color: var(--zloty);
}

.text-white { color: var(--bialy); }
.text-white-muted { color: rgba(255, 255, 255, 0.7); }

.caption {
    font-family: 'Inter', sans-serif;
    font-weight: 500;
    font-size: 0.875rem;
    color: var(--ink-tertiary);
    line-height: 1.55;
}

/* V1 Typography utilities (Trust & Clarity — Fintech Minimalist) */
.display-mega {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: clamp(2.75rem, 7vw, 5.5rem);
    letter-spacing: -0.025em;
    line-height: 1.02;
    color: var(--ink);
    text-wrap: balance;
}
.display-mega .accent { color: var(--zielony); font-weight: 800; }
.display-mega .strike { text-decoration: line-through; color: var(--ink-tertiary); font-weight: 600; }
.display-mega .alert { color: var(--alert); font-weight: 800; }

.display-hero {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(2.25rem, 5.5vw, 4.25rem);
    letter-spacing: -0.02em;
    line-height: 1.05;
    color: var(--ink);
    text-wrap: balance;
}

.h2-section {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(1.75rem, 3.5vw, 2.75rem);
    letter-spacing: -0.015em;
    line-height: 1.1;
    color: var(--ink);
    text-wrap: balance;
}

.eyebrow {
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.75rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--zielony);
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}
.eyebrow--zloty { color: var(--zloty); }
.eyebrow--muted { color: var(--ink-tertiary); }
.eyebrow svg { width: 14px; height: 14px; flex-shrink: 0; }

.stat-mega {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: clamp(3.5rem, 9vw, 7rem);
    color: var(--ink);
    line-height: 0.92;
    letter-spacing: -0.04em;
    font-variant-numeric: lining-nums tabular-nums;
    display: inline-block;
}
.stat-mega.alert { color: var(--alert); }
.stat-mega.success { color: var(--zielony); }

.lead {
    font-family: 'Inter', sans-serif;
    font-weight: 400;
    font-size: clamp(1.0625rem, 1.35vw, 1.3125rem);
    line-height: 1.65;
    color: var(--ink-secondary);
    max-width: 54ch;
}

.body-text {
    font-family: 'Inter', sans-serif;
    font-weight: 400;
    font-size: 1.0625rem;
    line-height: 1.7;
    color: var(--ink-secondary);
}

/* ========================================
   BUTTONS
   ======================================== */
.btn-primary {
    display: inline-block;
    background: var(--zielony);
    color: var(--bialy);
    padding: 16px 40px;
    font-size: 1rem;
    letter-spacing: 0.05em;
    font-weight: 600;
    font-family: 'Montserrat', sans-serif;
    border-radius: 8px;
    border: none;
    cursor: pointer;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    text-align: center;
}

.btn-primary:hover,
.btn-primary:focus-visible {
    background: var(--zielony-dark);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(26, 138, 92, 0.3);
}

.btn-primary:active {
    transform: translateY(0);
}

.btn-secondary {
    display: inline-block;
    background: transparent;
    color: var(--granat);
    padding: 14px 36px;
    font-size: 1rem;
    font-weight: 600;
    font-family: 'Montserrat', sans-serif;
    border: 2px solid var(--granat);
    border-radius: 8px;
    cursor: pointer;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    text-align: center;
}

.btn-secondary:hover,
.btn-secondary:focus-visible {
    background: var(--granat);
    color: var(--bialy);
}

.btn-ghost {
    display: inline-block;
    background: transparent;
    color: var(--bialy);
    padding: 14px 36px;
    font-size: 1rem;
    font-weight: 600;
    font-family: 'Montserrat', sans-serif;
    border: 2px solid var(--bialy);
    border-radius: 8px;
    cursor: pointer;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    text-align: center;
}

@media (hover: hover) {
    .btn-ghost:hover {
        background: var(--bialy);
        color: var(--granat);
    }
}
.btn-ghost:focus-visible {
    background: var(--bialy);
    color: var(--granat);
}
.btn-ghost:active {
    background: rgba(255, 255, 255, 0.15);
    color: var(--bialy);
}

/* ========================================
   LAYOUT
   ======================================== */
.container {
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 clamp(1.25rem, 4vw, 3rem);
}

.section {
    padding: clamp(5rem, 10vw, 9rem) 0;
}

.section--szary {
    background: var(--mist);
}

.section--bialy {
    background: var(--bialy);
}

.section--mist {
    background: var(--mist);
}

.section--granat {
    background: var(--granat);
}

.section-header {
    text-align: center;
    max-width: 820px;
    margin: 0 auto clamp(3rem, 6vw, 5rem);
}

.section-header .eyebrow,
.section-header .overline {
    margin-bottom: 1rem;
    color: var(--zielony);
}

.section-header h2 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(1.75rem, 3.5vw, 2.75rem);
    letter-spacing: -0.015em;
    line-height: 1.1;
    color: var(--ink);
    margin-bottom: 1rem;
    text-wrap: balance;
}

.section-header p {
    max-width: 54ch;
    margin: 0 auto;
    font-family: 'Inter', sans-serif;
    font-weight: 400;
    font-size: clamp(1.0625rem, 1.35vw, 1.3125rem);
    line-height: 1.65;
    color: var(--ink-secondary);
}

/* ========================================
   FADE-IN ANIMATIONS
   ======================================== */
.fade-in {
    opacity: 1;
    transform: none;
    transition: opacity 0.6s cubic-bezier(0.4, 0, 0.2, 1),
                transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.fade-in.visible {
    opacity: 1;
    transform: translateY(0);
}

.fade-in-delay-1 { transition-delay: 0.1s; }
.fade-in-delay-2 { transition-delay: 0.2s; }
.fade-in-delay-3 { transition-delay: 0.3s; }
.fade-in-delay-4 { transition-delay: 0.4s; }

/* ========================================
   NAVBAR
   ======================================== */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 16px 0;
    background: var(--bialy);
    box-shadow: 0 1px 0 var(--pearl-border);
    transition: background 0.3s var(--ease-fintech), padding 0.3s var(--ease-fintech), box-shadow 0.3s var(--ease-fintech);
}

.navbar.scrolled {
    padding: 12px 0;
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: saturate(1.4) blur(20px);
    -webkit-backdrop-filter: saturate(1.4) blur(20px);
    box-shadow: 0 1px 0 var(--pearl-border), 0 6px 24px -12px rgba(27, 42, 74, 0.12);
}

.navbar .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.navbar-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--ink);
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1.25rem;
    letter-spacing: -0.01em;
}

.navbar-logo svg {
    width: 32px;
    height: 32px;
    flex-shrink: 0;
    color: var(--zielony);
}

.navbar-logo .logo-accent {
    color: var(--zielony);
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-links a {
    color: var(--ink);
    font-family: 'Inter', sans-serif;
    font-weight: 500;
    font-size: 0.9rem;
    transition: color 0.3s var(--ease-fintech);
}

.nav-links a:hover,
.nav-links a:focus-visible {
    color: var(--zielony);
}

.nav-links .btn-primary {
    padding: 10px 22px;
    font-size: 0.875rem;
    background: var(--gradient-action);
    color: var(--bialy);
    border-radius: 8px;
    box-shadow: var(--shadow-cta);
    transition: transform 0.3s var(--ease-fintech), box-shadow 0.3s var(--ease-fintech);
}

.nav-links .btn-primary:hover {
    color: var(--bialy);
    transform: translateY(-1px);
}

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.hamburger span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--ink);
    border-radius: 2px;
    transition: all 0.3s var(--ease-fintech);
}

.hamburger.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.hamburger.active span:nth-child(2) {
    opacity: 0;
}

.hamburger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* Mobile nav */
@media (max-width: 768px) {
    .nav-links {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: rgba(255, 255, 255, 0.98);
        backdrop-filter: saturate(1.4) blur(20px);
        -webkit-backdrop-filter: saturate(1.4) blur(20px);
        flex-direction: column;
        padding: 24px;
        gap: 20px;
        box-shadow: 0 12px 32px -12px rgba(27, 42, 74, 0.12);
        border-top: 1px solid var(--pearl-border);
    }

    .nav-links.open {
        display: flex;
    }

    .hamburger {
        display: flex;
    }
}

/* ========================================
   HERO — V1 Trust & Clarity (Fintech Minimalist)
   ======================================== */
.hero {
    position: relative;
    background: var(--gradient-trust);
    padding: clamp(7rem, 14vh, 10rem) 0 clamp(4rem, 8vh, 6.5rem);
    min-height: 92vh;
    display: flex;
    align-items: center;
    border-bottom: 1px solid var(--pearl-border);
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -10%;
    right: -20%;
    width: 70vw;
    height: 70vw;
    max-width: 1000px;
    max-height: 1000px;
    background: radial-gradient(circle, rgba(26, 138, 92, 0.09) 0%, rgba(26, 138, 92, 0.03) 35%, transparent 65%);
    filter: blur(30px);
    pointer-events: none;
    z-index: 0;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -15%;
    width: 55vw;
    height: 55vw;
    max-width: 700px;
    max-height: 700px;
    background: radial-gradient(circle, rgba(212, 168, 67, 0.05) 0%, transparent 55%);
    filter: blur(40px);
    pointer-events: none;
    z-index: 0;
}

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

.hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.35fr) minmax(0, 1fr);
    gap: clamp(2rem, 5vw, 5rem);
    align-items: center;
}

.hero-statement {
    max-width: 640px;
}

.hero-statement .eyebrow {
    margin-bottom: clamp(1rem, 2vw, 1.5rem);
}

.hero-statement .display-mega {
    margin-bottom: clamp(1.25rem, 2.5vw, 2rem);
}

.hero-statement .display-mega .accent {
    display: inline;
    color: var(--zielony);
}

.hero-statement .lead {
    margin-bottom: clamp(1.75rem, 3vw, 2.5rem);
}

.hero-cta {
    display: flex;
    flex-wrap: wrap;
    gap: 0.875rem 1rem;
    align-items: center;
    margin-bottom: clamp(1.75rem, 3vw, 2.5rem);
}

.hero-cta .btn-primary {
    padding: 0.95rem 1.75rem;
    font-size: 0.9375rem;
    font-weight: 600;
    background: var(--gradient-action);
    color: var(--bialy);
    border-radius: 10px;
    box-shadow: var(--shadow-cta);
    transition: transform 0.3s var(--ease-fintech), box-shadow 0.3s var(--ease-fintech);
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}

.hero-cta .btn-primary:hover {
    transform: translateY(-1px);
    box-shadow: 0 16px 36px -8px rgba(26, 138, 92, 0.38);
}

.hero-cta .btn-primary svg {
    width: 16px;
    height: 16px;
    transition: transform 0.3s var(--ease-fintech);
}

.hero-cta .btn-primary:hover svg {
    transform: translateX(3px);
}

.hero-cta .btn-ghost {
    padding: 0.9rem 1.5rem;
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--ink);
    border: 1.5px solid var(--pearl-border);
    background: rgba(255, 255, 255, 0.6);
    border-radius: 10px;
    transition: color 0.3s var(--ease-fintech), border-color 0.3s var(--ease-fintech), background 0.3s var(--ease-fintech);
}

.hero-cta .btn-ghost:hover,
.hero-cta .btn-ghost:focus-visible {
    color: var(--zielony);
    border-color: var(--zielony);
    background: var(--bialy);
}

.hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 1.5rem 2rem;
    padding-top: clamp(1.25rem, 2.5vw, 1.75rem);
    border-top: 1px solid var(--pearl-border);
    list-style: none;
}

.hero-trust li {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-family: 'Inter', sans-serif;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--ink-tertiary);
}

.hero-trust li svg {
    width: 16px;
    height: 16px;
    color: var(--zielony);
    flex-shrink: 0;
}

/* --- Hero Calculator Card --- */
.hero-calc-card {
    background: var(--bialy);
    border: 1px solid var(--pearl-border);
    border-radius: 20px;
    padding: clamp(1.75rem, 3vw, 2.25rem);
    box-shadow: var(--shadow-card);
    transition: box-shadow 0.4s var(--ease-fintech), transform 0.4s var(--ease-fintech);
    position: relative;
    overflow: hidden;
}

.hero-calc-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient-action);
    opacity: 0.9;
}

.hero-calc-card:hover {
    box-shadow: var(--shadow-card-hover);
}

.hero-calc-card .eyebrow {
    margin-bottom: 0.6rem;
}

.hero-calc-card .hero-calc-title {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(1.25rem, 2vw, 1.5rem);
    color: var(--ink);
    letter-spacing: -0.015em;
    line-height: 1.15;
    margin-bottom: 1.5rem;
}

.calc-input-group {
    margin-bottom: 1rem;
}

.calc-input-group label {
    display: block;
    font-family: 'Inter', sans-serif;
    font-weight: 600;
    font-size: 0.75rem;
    letter-spacing: 0.02em;
    color: var(--ink-secondary);
    text-transform: uppercase;
    margin-bottom: 0.5rem;
}

.calc-input-group input,
.calc-input-group select {
    width: 100%;
    padding: 0.875rem 1rem;
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    font-weight: 500;
    color: var(--ink);
    background: var(--mist);
    border: 1px solid var(--pearl-border);
    border-radius: 10px;
    transition: border-color 0.3s var(--ease-fintech), box-shadow 0.3s var(--ease-fintech), background 0.3s var(--ease-fintech);
    outline: none;
    font-variant-numeric: lining-nums tabular-nums;
}

.calc-input-group input:focus,
.calc-input-group select:focus {
    border-color: var(--zielony);
    background: var(--bialy);
    box-shadow: var(--glow-success);
}

.calc-input-group select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%234A5A75' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 40px;
    cursor: pointer;
}

.calc-result {
    margin-top: 1.5rem;
    padding-top: 1.25rem;
    border-top: 1px solid var(--pearl-border);
}

.calc-result-row {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    padding: 0.5rem 0;
    gap: 1rem;
}

.calc-result-label {
    font-family: 'Inter', sans-serif;
    font-size: 0.8125rem;
    font-weight: 500;
    color: var(--ink-secondary);
    flex: 1;
}

.calc-result-value {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1.0625rem;
    color: var(--ink);
    font-variant-numeric: lining-nums tabular-nums;
    white-space: nowrap;
}

.calc-loss-box,
.calc-gap-box {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    padding: 1rem 1.125rem;
    margin-top: 0.75rem;
    border-radius: 12px;
}

.calc-loss-box {
    background: rgba(220, 53, 69, 0.06);
    border: 1px solid rgba(220, 53, 69, 0.12);
}

.calc-gap-box {
    background: rgba(26, 138, 92, 0.08);
    border: 1px solid rgba(26, 138, 92, 0.2);
}

.calc-loss-box .calc-result-label,
.calc-gap-box .calc-result-label {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--ink-secondary);
}

.calc-gap-box .calc-result-label svg,
.calc-gap-box .calc-result-label i {
    width: 16px;
    height: 16px;
    color: var(--zielony);
    flex-shrink: 0;
}

.calc-loss-box .calc-result-value {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: clamp(1.25rem, 2.5vw, 1.5rem);
    color: var(--alert);
    font-variant-numeric: lining-nums tabular-nums;
    line-height: 1;
    letter-spacing: -0.02em;
}

.calc-gap-box .calc-result-value {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: clamp(1.25rem, 2.5vw, 1.5rem);
    color: var(--zielony);
    font-variant-numeric: lining-nums tabular-nums;
    line-height: 1;
    letter-spacing: -0.02em;
}

.calc-cta {
    display: block;
    width: 100%;
    text-align: center;
    margin-top: 1.375rem;
    padding: 0.95rem 1.25rem;
    font-family: 'Inter', sans-serif;
    font-weight: 600;
    font-size: 0.9375rem;
    color: var(--bialy);
    background: var(--gradient-action);
    border-radius: 10px;
    box-shadow: var(--shadow-cta);
    transition: transform 0.3s var(--ease-fintech), box-shadow 0.3s var(--ease-fintech);
}

.calc-cta:hover {
    transform: translateY(-1px);
    box-shadow: 0 16px 36px -8px rgba(26, 138, 92, 0.38);
    color: var(--bialy);
}

.calc-footnote {
    margin-top: 0.875rem;
    font-family: 'Inter', sans-serif;
    font-size: 0.75rem;
    color: var(--ink-tertiary);
    text-align: center;
    line-height: 1.5;
}

.calc-limit-note {
    margin-top: 0.75rem;
    padding: 0.75rem 1rem;
    background: rgba(212, 168, 67, 0.08);
    border: 1px solid rgba(212, 168, 67, 0.22);
    border-radius: 10px;
    font-family: 'Inter', sans-serif;
    font-size: 0.8125rem;
    color: var(--ink-secondary);
    line-height: 1.5;
}

/* Hero responsive */
@media (max-width: 960px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
    .hero-statement {
        max-width: 100%;
    }
    .hero-calc-card {
        max-width: 520px;
        margin: 0 auto;
        width: 100%;
    }
}

@media (max-width: 560px) {
    .hero {
        padding: 6rem 0 3rem;
        min-height: auto;
    }
    .hero-cta {
        flex-direction: column;
        align-items: stretch;
    }
    .hero-cta .btn-primary,
    .hero-cta .btn-ghost {
        width: 100%;
        text-align: center;
        justify-content: center;
    }
    .hero-trust {
        gap: 1rem 1.5rem;
    }
}

/* ========================================
   PROBLEM SECTION — V1 Trust & Clarity
   ======================================== */
.problem-visual {
    max-width: 1040px;
    margin: 0 auto;
}

/* Loss flow — stat-mega cascade: Kupiles za → AC wyplaci → Strata */
.loss-flow {
    display: grid;
    grid-template-columns: 1fr auto 1fr auto 1fr;
    align-items: stretch;
    gap: clamp(0.5rem, 1.5vw, 1.25rem);
    margin-bottom: clamp(3rem, 6vw, 4.5rem);
}

.loss-step {
    background: var(--bialy);
    border: 1px solid var(--pearl-border);
    border-radius: 16px;
    padding: clamp(1.5rem, 3vw, 2.25rem) clamp(1rem, 2vw, 1.75rem);
    text-align: center;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 0.5rem;
    box-shadow: var(--shadow-card);
    transition: box-shadow 0.4s var(--ease-fintech);
    min-width: 0;
}
.loss-step:hover { box-shadow: var(--shadow-card-hover); }

.loss-step--start {
    background: var(--bialy);
}

.loss-step--middle {
    background: var(--mist);
}

.loss-step--loss {
    background: linear-gradient(135deg, rgba(220, 53, 69, 0.07) 0%, rgba(220, 53, 69, 0.02) 100%);
    border-color: rgba(220, 53, 69, 0.22);
}

.loss-step .overline {
    font-size: 0.6875rem;
    letter-spacing: 0.18em;
    color: var(--ink-tertiary);
    margin: 0;
    display: inline-block;
}

.loss-step--start .overline,
.loss-step--middle .overline {
    color: var(--ink-tertiary);
}

.loss-step--loss .overline {
    color: var(--alert);
}

.loss-step .amount {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: clamp(1.75rem, 4vw, 2.75rem);
    letter-spacing: -0.03em;
    line-height: 1;
    color: var(--ink);
    font-variant-numeric: lining-nums tabular-nums;
}

.loss-step--start .amount {
    color: var(--ink);
}

.loss-step--middle .amount {
    color: var(--ink-secondary);
}

.loss-step--loss .amount {
    color: var(--alert);
}

.loss-step .label {
    font-family: 'Inter', sans-serif;
    font-size: 0.8125rem;
    color: var(--ink-tertiary);
    font-weight: 500;
    line-height: 1.4;
    margin-top: 0.125rem;
}

.loss-arrow {
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--ink-tertiary);
    flex-shrink: 0;
    align-self: center;
    width: 22px;
    height: 22px;
    min-width: 22px;
    min-height: 22px;
}
.loss-arrow svg {
    width: 22px;
    height: 22px;
    flex-shrink: 0;
}

@media (max-width: 760px) {
    .loss-flow {
        grid-template-columns: 1fr;
    }
    .loss-arrow {
        transform: rotate(90deg);
        padding: 0.25rem 0;
    }
}

/* Depreciation — mega percents grid */
.problem-depreciation {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    margin-top: clamp(3rem, 6vw, 4.5rem);
    padding: clamp(2.5rem, 5vw, 4rem) clamp(1rem, 2vw, 2rem);
    background: var(--bialy);
    border: 1px solid var(--pearl-border);
    border-radius: 20px;
    box-shadow: var(--shadow-card);
}

.depreciation-card {
    text-align: center;
    padding: 0 clamp(1rem, 2vw, 2rem);
    background: transparent;
    border: none;
    border-right: 1px solid var(--pearl-border);
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}
.depreciation-card:last-child { border-right: none; }

.depreciation-card .year {
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.6875rem;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--ink-tertiary);
    margin: 0 0 0.5rem 0;
}

.depreciation-card .percent {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: clamp(3rem, 7.5vw, 5.25rem);
    color: var(--alert);
    letter-spacing: -0.04em;
    line-height: 0.95;
    font-variant-numeric: lining-nums tabular-nums;
}

.depreciation-card .label {
    font-family: 'Inter', sans-serif;
    font-size: 0.8125rem;
    color: var(--ink-tertiary);
    margin-top: 0.5rem;
    line-height: 1.4;
    font-weight: 500;
}

@media (max-width: 760px) {
    .problem-depreciation {
        grid-template-columns: 1fr;
        padding: 2rem 1.5rem;
    }
    .depreciation-card {
        border-right: none;
        border-bottom: 1px solid var(--pearl-border);
        padding: 1.5rem 0;
    }
    .depreciation-card:last-child {
        border-bottom: none;
        padding-bottom: 0;
    }
    .depreciation-card:first-child {
        padding-top: 0;
    }
}

.depreciation-source {
    text-align: center;
    font-family: 'Inter', sans-serif;
    font-style: italic;
    font-size: 0.8125rem;
    color: var(--ink-tertiary);
    margin-top: 1rem;
}

/* Problem callout — 3 paragrafy, arrow zielony przed strong */
.problem-callout {
    margin-top: clamp(3rem, 6vw, 4.5rem);
    padding: clamp(1.75rem, 3vw, 2.5rem);
    background: var(--bialy);
    border: 1px solid var(--pearl-border);
    border-left: 4px solid var(--zielony);
    border-radius: 0 16px 16px 0;
    display: flex;
    flex-direction: column;
    gap: 0.875rem;
    box-shadow: var(--shadow-card);
}

.problem-callout p {
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    line-height: 1.65;
    color: var(--ink-secondary);
    margin: 0;
    padding-left: 1.75rem;
    position: relative;
    font-weight: 400;
}

.problem-callout p::before {
    content: '→';
    position: absolute;
    left: 0;
    top: 0;
    font-family: 'Inter', sans-serif;
    font-weight: 700;
    color: var(--zielony);
    font-size: 1.125rem;
    line-height: 1.6;
}

.problem-callout strong {
    font-weight: 700;
    color: var(--ink);
}

/* ========================================
   SOLUTION SECTION — V1 Trust & Clarity
   ======================================== */
.solution-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: clamp(1.25rem, 2.5vw, 2rem);
    margin-bottom: clamp(3rem, 6vw, 4.5rem);
}

@media (max-width: 860px) {
    .solution-grid {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
}

.solution-card {
    position: relative;
    background: var(--bialy);
    border: 1px solid var(--pearl-border);
    border-radius: 20px;
    padding: clamp(2rem, 3.5vw, 2.75rem);
    box-shadow: var(--shadow-card);
    transition: transform 0.4s var(--ease-fintech),
                box-shadow 0.4s var(--ease-fintech);
    overflow: hidden;
}

.solution-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 3px;
    background: var(--gradient-action);
    transition: width 0.5s var(--ease-fintech);
}

.solution-card:hover,
.solution-card:focus-within {
    transform: translateY(-4px);
    box-shadow: var(--shadow-card-hover);
}
.solution-card:hover::after,
.solution-card:focus-within::after { width: 100%; }

.solution-card .icon-wrap {
    width: 56px;
    height: 56px;
    background: rgba(26, 138, 92, 0.1);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: clamp(1.25rem, 2.5vw, 1.75rem);
    color: var(--zielony);
}

.solution-card .icon-wrap svg,
.solution-card .icon-wrap i {
    color: var(--zielony);
    width: 26px;
    height: 26px;
}

.solution-card h3 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(1.125rem, 1.8vw, 1.375rem);
    color: var(--ink);
    letter-spacing: -0.01em;
    line-height: 1.2;
    margin-bottom: 0.875rem;
}

.solution-card p {
    font-family: 'Inter', sans-serif;
    font-weight: 400;
    font-size: 0.9375rem;
    line-height: 1.7;
    color: var(--ink-secondary);
    margin: 0;
}

/* GAP Diagram — bar chart */
.gap-diagram {
    background: var(--bialy);
    border: 1px solid var(--pearl-border);
    border-radius: 20px;
    padding: clamp(2.5rem, 5vw, 4rem);
    box-shadow: var(--shadow-card);
    position: relative;
    overflow: hidden;
}

.gap-diagram::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient-action);
}

.gap-diagram h3 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(1.125rem, 2vw, 1.5rem);
    color: var(--ink);
    letter-spacing: -0.015em;
    text-align: center;
    margin-bottom: clamp(2rem, 4vw, 3rem);
    line-height: 1.2;
}

.gap-bars {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: clamp(1rem, 2vw, 1.75rem);
    align-items: stretch;
}

.gap-bar-card {
    background: var(--mist);
    border: 1px solid var(--pearl-border);
    border-radius: 16px;
    padding: clamp(1.25rem, 2.5vw, 1.75rem);
    display: grid;
    grid-template-rows: auto 1fr auto;
    min-height: 360px;
}

.gap-bar-card .eyebrow {
    font-size: 0.6875rem;
    letter-spacing: 0.18em;
    color: var(--ink-tertiary);
    margin: 0 0 1rem;
    text-align: center;
}

.gap-bar-wrap {
    position: relative;
    height: 240px;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    padding: 0 0.5rem;
}

.gap-bar,
.gap-bar-stack {
    width: min(190px, 82%);
    border-radius: 16px 16px 10px 10px;
    overflow: hidden;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 16px 32px rgba(15, 31, 55, 0.12);
}

.gap-bar-label {
    font-family: 'Montserrat', sans-serif;
    padding: 0 0.75rem;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 0.22rem;
    text-align: center;
}

.gap-bar-label small {
    font-size: clamp(0.58rem, 0.72vw, 0.68rem);
    line-height: 1;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    font-weight: 700;
    opacity: 0.82;
}

.gap-bar-label strong {
    font-size: clamp(0.96rem, 1.25vw, 1.16rem);
    line-height: 1.08;
    font-weight: 800;
    font-variant-numeric: lining-nums tabular-nums;
    white-space: nowrap;
}

.gap-bar--purchase {
    background: linear-gradient(180deg, var(--granat) 0%, #24375f 100%);
    color: var(--bialy);
}

.gap-bar--ac {
    background: linear-gradient(180deg, #d9e1ec 0%, #c6d1df 100%);
    color: var(--ink);
}

.gap-bar-stack {
    height: 100%;
    flex-direction: column;
}

.gap-bar-segment {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.gap-bar-segment--gap {
    background: linear-gradient(180deg, var(--zielony-light) 0%, var(--zielony) 100%);
    color: var(--bialy);
}

.gap-bar-segment--missing {
    background: rgba(220, 53, 69, 0.06);
    color: var(--alert);
    border: 2px dashed rgba(220, 53, 69, 0.75);
    border-bottom: none;
}

.gap-bar-segment--ac {
    background: linear-gradient(180deg, #d9e1ec 0%, #c6d1df 100%);
    color: var(--ink);
}

.gap-bar-card p {
    margin: 1rem 0 0;
    text-align: center;
    font-family: 'Inter', sans-serif;
    font-size: 0.875rem;
    line-height: 1.45;
    color: var(--ink-secondary);
}

.gap-bar-card--covered {
    background: linear-gradient(180deg, rgba(26, 138, 92, 0.08) 0%, var(--mist) 38%);
    border-color: rgba(26, 138, 92, 0.24);
}

@media (max-width: 760px) {
    .gap-bars {
        grid-template-columns: 1fr;
    }
    .gap-bar-card {
        min-height: 300px;
    }
    .gap-bar-wrap {
        height: 190px;
    }
}

/* ========================================
   DLA KOGO (FOR WHO) SECTION — V1 Trust & Clarity
   ======================================== */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: clamp(1.25rem, 2.5vw, 2rem);
}

.cards-grid--3 {
    grid-template-columns: repeat(3, 1fr);
}

@media (max-width: 860px) {
    .cards-grid,
    .cards-grid--3 {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
}

.target-card {
    position: relative;
    background: var(--bialy);
    border: 1px solid var(--pearl-border);
    border-radius: 20px;
    padding: clamp(2rem, 3.5vw, 2.75rem);
    box-shadow: var(--shadow-card);
    transition: transform 0.4s var(--ease-fintech),
                box-shadow 0.4s var(--ease-fintech);
    overflow: hidden;
}

.target-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 3px;
    background: var(--gradient-action);
    transition: width 0.5s var(--ease-fintech);
}

.target-card:hover,
.target-card:focus-within {
    transform: translateY(-4px);
    box-shadow: var(--shadow-card-hover);
}

.target-card:hover::after,
.target-card:focus-within::after {
    width: 100%;
}

.target-card .icon-wrap {
    width: 56px;
    height: 56px;
    background: rgba(26, 138, 92, 0.1);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: clamp(1.25rem, 2.5vw, 1.5rem);
    color: var(--zielony);
}

.target-card .icon-wrap svg,
.target-card .icon-wrap i {
    color: var(--zielony);
    width: 26px;
    height: 26px;
}

.target-card .card-illustration {
    width: clamp(48px, 8vw, 72px);
    height: auto;
    aspect-ratio: 1 / 1;
    object-fit: contain;
    margin-bottom: clamp(1rem, 2vw, 1.5rem);
    opacity: 0.9;
}

.target-card .card-tag {
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.75rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--zielony);
    margin-bottom: 0.625rem;
    display: inline-block;
}

.target-card h3 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(1.125rem, 1.8vw, 1.375rem);
    color: var(--ink);
    letter-spacing: -0.01em;
    line-height: 1.2;
    margin-bottom: 0.875rem;
}

.target-card p {
    font-family: 'Inter', sans-serif;
    font-weight: 400;
    font-size: 0.9375rem;
    line-height: 1.7;
    color: var(--ink-secondary);
    margin: 0;
}

.cash-case {
    margin-top: clamp(1.5rem, 3vw, 2rem);
    padding: clamp(1.25rem, 2.5vw, 1.75rem) clamp(1.25rem, 3vw, 2rem);
    border-top: 1px solid rgba(26, 138, 92, 0.24);
    border-bottom: 1px solid rgba(26, 138, 92, 0.18);
    background: linear-gradient(90deg, rgba(26, 138, 92, 0.055) 0%, rgba(248, 250, 252, 0) 72%);
    display: grid;
    grid-template-columns: minmax(220px, 0.8fr) minmax(0, 1.2fr);
    gap: clamp(1rem, 3vw, 2rem);
    align-items: center;
}

.cash-case-tag {
    display: inline-block;
    margin-bottom: 0.45rem;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 0.6875rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--zielony);
}

.cash-case h3 {
    margin: 0;
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: clamp(1.125rem, 1.8vw, 1.45rem);
    line-height: 1.18;
    letter-spacing: -0.01em;
    color: var(--ink);
}

.cash-case p {
    margin: 0;
    font-family: 'Inter', sans-serif;
    font-size: 0.98rem;
    line-height: 1.7;
    color: var(--ink-secondary);
}

@media (max-width: 760px) {
    .cash-case {
        grid-template-columns: 1fr;
        gap: 0.75rem;
    }
}

/* ========================================
   MOTOR GAP SECTION
   ======================================== */
.motor-cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

@media (max-width: 768px) {
    .motor-cards-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
}

.motor-card {
    background: var(--bialy);
    border-radius: 16px;
    padding: 32px;
    box-shadow: 0 4px 15px rgba(27, 42, 74, 0.08);
    border: 1px solid var(--border);
    transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1),
                box-shadow 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.motor-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 10px 30px rgba(27, 42, 74, 0.12);
}

.motor-icon-wrap {
    width: 56px;
    height: 56px;
    background: rgba(27, 42, 74, 0.08);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
}

.motor-icon-wrap i {
    color: var(--granat);
    width: 28px;
    height: 28px;
}

.motor-card-tag {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 0.75rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--zielony);
    margin-bottom: 8px;
    display: block;
}

.motor-card h3 {
    margin-bottom: 16px;
    color: var(--granat);
    font-size: 1.15rem;
}

.motor-price-table {
    margin-bottom: 12px;
}

.motor-price-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 8px 0;
    border-bottom: 1px solid var(--border);
    font-family: 'Inter', sans-serif;
    font-size: 0.9rem;
}

.motor-price-row:last-child {
    border-bottom: none;
}

.motor-price-row span {
    color: var(--tekst-secondary);
}

.motor-price-row strong {
    color: var(--granat);
    font-weight: 700;
    font-family: 'Montserrat', sans-serif;
}

.motor-price-row--highlight {
    background: rgba(26, 138, 92, 0.06);
    border-radius: 6px;
    padding: 8px 10px;
    border-bottom: none;
}

.motor-price-row--highlight strong {
    color: var(--zielony-dark);
}

.motor-card-note {
    font-size: 0.8rem;
    color: var(--tekst-secondary);
    text-align: center;
    font-style: italic;
}

/* Motor example callout */
.motor-example {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    background: var(--bialy);
    border-radius: 12px;
    padding: 28px 32px;
    margin-top: 32px;
    border: 1px solid var(--border);
    border-left: 4px solid var(--zielony);
}

.motor-example-icon {
    width: 48px;
    height: 48px;
    background: rgba(26, 138, 92, 0.1);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.motor-example-icon i {
    color: var(--zielony);
    width: 24px;
    height: 24px;
}

.motor-example-content h4 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1rem;
    color: var(--granat);
    margin-bottom: 8px;
}

.motor-example-content p {
    font-size: 0.95rem;
    line-height: 1.7;
}

@media (max-width: 640px) {
    .motor-example {
        flex-direction: column;
        padding: 24px;
    }
}

/* ========================================
   PREMIUM SECTION
   ======================================== */
.premium-brands {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 16px;
    margin-bottom: 40px;
}

@media (max-width: 768px) {
    .premium-brands {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 480px) {
    .premium-brands {
        grid-template-columns: 1fr;
    }
}

.premium-brand-item {
    text-align: center;
    padding: 24px 16px;
    border-radius: 12px;
    border: 2px solid var(--border);
    background: var(--bialy);
    transition: all 0.3s ease;
}

.premium-brand-item:hover {
    border-color: var(--zloty);
    box-shadow: 0 4px 15px rgba(212, 168, 67, 0.15);
}

.premium-brand-item i {
    color: var(--zloty);
    width: 28px;
    height: 28px;
    margin: 0 auto 8px;
}

.premium-brand-item span {
    display: block;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1rem;
    color: var(--granat);
    margin-bottom: 4px;
}

.premium-brand-item small {
    font-family: 'Inter', sans-serif;
    font-size: 0.75rem;
    color: var(--tekst-secondary);
}

.premium-highlights {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

@media (max-width: 768px) {
    .premium-highlights {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 480px) {
    .premium-highlights {
        grid-template-columns: 1fr;
    }
}

.premium-highlight-item {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 20px;
    border-radius: 12px;
    border: 2px solid rgba(212, 168, 67, 0.3);
    background: rgba(212, 168, 67, 0.04);
}

.premium-highlight-item i {
    color: var(--zloty);
    width: 24px;
    height: 24px;
    flex-shrink: 0;
}

.premium-highlight-item strong {
    display: block;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1rem;
    color: var(--granat);
}

.premium-highlight-item span {
    font-size: 0.8rem;
    color: var(--tekst-secondary);
}

/* ========================================
   JAK TO DZIALA / PROCES — V1 Trust & Clarity
   ======================================== */
.process-flow {
    display: grid;
    grid-template-columns: 1fr auto 1fr auto 1fr;
    align-items: stretch;
    gap: clamp(0.75rem, 2vw, 1.5rem);
}

@media (max-width: 860px) {
    .process-flow {
        grid-template-columns: 1fr;
    }
}

.process-step {
    position: relative;
    background: var(--bialy);
    border: 1px solid var(--pearl-border);
    border-radius: 20px;
    padding: clamp(2rem, 3.5vw, 2.5rem);
    box-shadow: var(--shadow-card);
    text-align: center;
    transition: transform 0.4s var(--ease-fintech),
                box-shadow 0.4s var(--ease-fintech);
    display: flex;
    flex-direction: column;
    gap: 1rem;
    align-items: center;
    min-width: 0;
    overflow: hidden;
}

.process-step::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 3px;
    background: var(--gradient-action);
    transition: width 0.5s var(--ease-fintech);
}

.process-step:hover,
.process-step:focus-within {
    transform: translateY(-4px);
    box-shadow: var(--shadow-card-hover);
}
.process-step:hover::after,
.process-step:focus-within::after {
    width: 100%;
}

.process-number {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: clamp(2.5rem, 5vw, 3.75rem);
    color: var(--zielony);
    letter-spacing: -0.04em;
    line-height: 0.95;
    font-variant-numeric: lining-nums tabular-nums;
}

.process-icon-wrap {
    width: 44px;
    height: 44px;
    background: rgba(26, 138, 92, 0.1);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--zielony);
    margin: 0 auto;
}

.process-icon-wrap svg {
    width: 20px;
    height: 20px;
}

.process-step h3 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(1.125rem, 1.8vw, 1.375rem);
    color: var(--ink);
    letter-spacing: -0.01em;
    line-height: 1.2;
    margin: 0;
}

.process-step p {
    font-family: 'Inter', sans-serif;
    font-weight: 400;
    font-size: 0.9375rem;
    line-height: 1.65;
    color: var(--ink-secondary);
    max-width: none;
    margin: 0;
}

.process-arrow {
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--ink-tertiary);
    flex-shrink: 0;
    align-self: center;
    width: 22px;
    height: 22px;
    min-width: 22px;
    min-height: 22px;
}

.process-arrow svg {
    width: 22px;
    height: 22px;
    flex-shrink: 0;
}

@media (max-width: 860px) {
    .process-arrow {
        transform: rotate(90deg);
        padding: 0.25rem 0;
    }
}

/* Legacy .steps / .step / .step-number / .step-count — ukryte (replaced by .process-*) */
.steps { display: none; }

/* ========================================
   TRUST / DLACZEGO AUTOTARCZA — V1 Trust & Clarity
   ======================================== */
#dlaczego {
    padding-bottom: clamp(3rem, 4vw, 4rem);
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: clamp(1.25rem, 2.5vw, 2rem);
    margin: 0 auto;
    max-width: 1120px;
}

@media (max-width: 860px) {
    .trust-grid {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
}

.trust-badge {
    position: relative;
    text-align: center;
    padding: clamp(2rem, 3.5vw, 2.5rem) clamp(1.5rem, 3vw, 2rem);
    border: 1px solid var(--pearl-border);
    border-radius: 20px;
    background: var(--bialy);
    box-shadow: var(--shadow-card);
    transition: transform 0.4s var(--ease-fintech),
                box-shadow 0.4s var(--ease-fintech);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.875rem;
}

.trust-badge::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 3px;
    background: var(--gradient-action);
    transition: width 0.5s var(--ease-fintech);
}

.trust-badge:hover,
.trust-badge:focus-within {
    transform: translateY(-4px);
    box-shadow: var(--shadow-card-hover);
}
.trust-badge:hover::after,
.trust-badge:focus-within::after {
    width: 100%;
}

.trust-badge-icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    background: rgba(26, 138, 92, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--zielony);
    margin: 0;
}

.trust-badge-icon svg,
.trust-badge-icon i {
    color: var(--zielony);
    width: 26px;
    height: 26px;
}

.trust-badge .trust-illustration {
    width: clamp(64px, 10vw, 92px);
    height: auto;
    aspect-ratio: 1 / 1;
    object-fit: contain;
    margin: 0;
    display: block;
    opacity: 0.9;
}

.trust-badge h3 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(1.0625rem, 1.6vw, 1.25rem);
    color: var(--ink);
    letter-spacing: -0.01em;
    line-height: 1.2;
    margin: 0;
}

.trust-badge p {
    font-family: 'Inter', sans-serif;
    font-weight: 400;
    font-size: 0.9375rem;
    line-height: 1.65;
    color: var(--ink-secondary);
    margin: 0;
}

/* ========================================
   PARAMETRY (PARAMETERS) + COMPARISON TABLE
   ======================================== */
.comparison-table-wrap {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    margin-bottom: 24px;
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    font-family: 'Inter', sans-serif;
    font-size: 0.9rem;
    min-width: 600px;
}

.comparison-table thead th {
    background: var(--granat);
    color: var(--bialy);
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.85rem;
    padding: 14px 16px;
    text-align: left;
    letter-spacing: 0.02em;
}

.comparison-table thead th:first-child {
    border-radius: 10px 0 0 0;
}

.comparison-table thead th:last-child {
    border-radius: 0 10px 0 0;
}

.comparison-table tbody td {
    padding: 12px 16px;
    border-bottom: 1px solid var(--border);
    color: var(--tekst-secondary);
    vertical-align: top;
}

.comparison-table tbody td:first-child {
    font-weight: 600;
    color: var(--granat);
}

.comparison-table tbody tr:last-child td {
    border-bottom: none;
}

.comparison-table tbody tr:hover {
    background: rgba(26, 138, 92, 0.03);
}

.comparison-table tbody td i {
    color: var(--zielony);
    width: 18px;
    height: 18px;
    vertical-align: middle;
}

.params-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 20px;
}

.param-item {
    background: var(--bialy);
    border-radius: 12px;
    padding: 24px;
    border: 1px solid var(--border);
    display: flex;
    align-items: flex-start;
    gap: 16px;
    transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1),
                box-shadow 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.param-item:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 15px rgba(27, 42, 74, 0.08);
}

.param-item i {
    color: var(--zielony);
    width: 22px;
    height: 22px;
    flex-shrink: 0;
    margin-top: 2px;
}

.param-item .param-label {
    font-size: 0.85rem;
    color: var(--tekst-secondary);
    margin-bottom: 2px;
}

.param-item .param-value {
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 1.05rem;
    color: var(--granat);
}

/* ========================================
   FAQ SECTION
   ======================================== */
#faq {
    padding-top: clamp(3rem, 4vw, 4rem);
}

.faq-list {
    max-width: 760px;
    margin: 0 auto;
}

.faq-item {
    border: 1px solid var(--border);
    border-radius: 12px;
    margin-bottom: 12px;
    overflow: hidden;
    background: var(--bialy);
    transition: box-shadow 0.3s ease;
}

.faq-item:hover {
    box-shadow: 0 4px 15px rgba(27, 42, 74, 0.06);
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 24px;
    background: none;
    border: none;
    cursor: pointer;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 1rem;
    color: var(--granat);
    text-align: left;
    gap: 16px;
}

.faq-question:hover {
    color: var(--zielony);
}

.faq-question:focus-visible {
    outline: 2px solid var(--zielony);
    outline-offset: -2px;
    border-radius: 12px;
}

.faq-icon {
    width: 24px;
    height: 24px;
    flex-shrink: 0;
    transition: transform 0.3s ease;
    color: var(--tekst-secondary);
}

.faq-item.active .faq-icon {
    transform: rotate(180deg);
    color: var(--zielony);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s cubic-bezier(0.4, 0, 0.2, 1),
                padding 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.faq-answer-inner {
    padding: 0 24px 20px;
}

.faq-answer-inner p {
    font-size: 0.95rem;
    line-height: 1.7;
}

/* ========================================
   CTA / FORM SECTION
   ======================================== */
.form-section {
    position: relative;
    z-index: 1;
    background: var(--granat);
    padding: 80px 0;
}

.form-wrapper {
    max-width: 640px;
    margin: 0 auto;
}

.form-section .section-header .overline {
    color: var(--zloty);
}

.form-section .section-header h2 {
    color: var(--bialy);
}

.form-section .section-header p {
    color: rgba(255, 255, 255, 0.7);
}

.contact-form {
    background: var(--bialy);
    border-radius: 16px;
    padding: 40px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
}

.contact-form--lean {
    padding: clamp(1.25rem, 2.5vw, 1.75rem);
}

@media (max-width: 640px) {
    .contact-form {
        padding: 28px 20px;
    }
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

@media (max-width: 640px) {
    .form-row {
        grid-template-columns: 1fr;
    }
}

.form-group {
    margin-bottom: 14px;
}

.form-group label {
    display: block;
    font-family: 'Inter', sans-serif;
    font-weight: 500;
    font-size: 0.875rem;
    color: var(--granat);
    margin-bottom: 6px;
}

.form-group label .required {
    color: var(--alert);
}

.form-group label .optional {
    color: var(--ink-tertiary);
    font-weight: 400;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    color: var(--tekst);
    background: var(--szary);
    border: 2px solid var(--border);
    border-radius: 8px;
    transition: border-color 0.3s ease, box-shadow 0.3s ease;
    outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--zielony);
    box-shadow: 0 0 0 3px rgba(26, 138, 92, 0.15);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: #9CA3AF;
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

.form-group select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235A6B7F' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 40px;
}

.form-group input.error,
.form-group select.error {
    border-color: var(--alert);
}

.form-error {
    display: block;
    font-family: 'Inter', sans-serif;
    font-size: 0.8rem;
    color: var(--alert);
    margin-top: 4px;
    min-height: 1em;
}

.form-submit {
    width: 100%;
    min-height: 48px;
    margin-top: 4px;
}

.form-success {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 20px 24px;
    background: rgba(26, 138, 92, 0.08);
    border: 1px solid rgba(26, 138, 92, 0.2);
    border-radius: 10px;
    margin-top: 20px;
}

.form-success i {
    color: var(--zielony);
    width: 28px;
    height: 28px;
    flex-shrink: 0;
}

.form-success p {
    color: var(--tekst);
    font-size: 0.95rem;
}

.form-success.hidden {
    display: none;
}

.form-success--error {
    background: rgba(192, 57, 43, 0.12);
    border-color: #c0392b;
}

.form-alt-contact {
    text-align: center;
    margin-top: 32px;
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.95rem;
}

.form-alt-contact a {
    color: var(--bialy);
    font-weight: 600;
    border-bottom: 1px solid rgba(255, 255, 255, 0.3);
    transition: border-color 0.3s ease;
}

.form-alt-contact a:hover {
    border-color: var(--bialy);
}

/* ========================================
   FOOTER
   ======================================== */
.footer {
    background: var(--granat);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding: 40px 0;
}

.footer .container {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 20px;
}

.footer-left {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--bialy);
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1.1rem;
}

.footer-logo svg {
    width: 24px;
    height: 24px;
}

.footer-logo .logo-accent {
    color: var(--zloty);
}

.footer-partner {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.5);
    max-width: 400px;
    line-height: 1.5;
}

.footer-right {
    display: flex;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
}

.footer-right a {
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.85rem;
    transition: color 0.3s ease;
}

.footer-right a:hover {
    color: var(--bialy);
}

.footer-copyright {
    width: 100%;
    text-align: center;
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.35);
    margin-top: 20px;
    padding-top: 20px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

/* ========================================
   ACCESSIBILITY
   ======================================== */
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border-width: 0;
}

:focus-visible {
    outline: 2px solid var(--zielony);
    outline-offset: 2px;
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
    }

    .fade-in {
        opacity: 1;
        transform: none;
    }
}

/* ========================================
   COOKIE BANNER
   ======================================== */
.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 9999;
    background: var(--granat);
    color: rgba(255, 255, 255, 0.9);
    padding: 16px 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 20px;
    flex-wrap: wrap;
    font-family: 'Inter', sans-serif;
    font-size: 0.875rem;
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.2);
}

.cookie-banner p {
    color: rgba(255, 255, 255, 0.85);
    font-size: 0.875rem;
    margin: 0;
    max-width: 600px;
}

.cookie-actions {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-wrap: wrap;
    justify-content: center;
}

.cookie-banner a {
    color: var(--zloty);
    text-decoration: underline;
}

.cookie-banner button {
    background: var(--zielony);
    color: var(--bialy);
    border: none;
    padding: 10px 24px;
    border-radius: 6px;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.85rem;
    cursor: pointer;
    transition: background 0.3s ease;
    white-space: nowrap;
}

.cookie-banner button:hover {
    background: var(--zielony-dark);
}

.cookie-banner .cookie-secondary {
    background: transparent;
    color: rgba(255, 255, 255, 0.9);
    border: 1px solid rgba(255, 255, 255, 0.35);
}

.cookie-banner .cookie-secondary:hover {
    background: rgba(255, 255, 255, 0.08);
}

.cookie-banner.hidden {
    display: none;
}

/* ========================================
   UTILITY: HIDDEN
   ======================================== */
.hidden {
    display: none !important;
}

/* ========================================
   DLA KOGO — 3 column variant
   ======================================== */
.cards-grid--3 {
    grid-template-columns: repeat(3, 1fr);
}

@media (max-width: 768px) {
    .cards-grid--3 {
        grid-template-columns: 1fr;
    }
}

/* ========================================
   STICKY BOTTOM BAR
   ======================================== */
.sticky-bar {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: rgba(27, 42, 74, 0.97);
    backdrop-filter: blur(10px);
    padding: 12px 0;
    z-index: 1000;
    box-shadow: 0 -2px 20px rgba(0,0,0,0.15);
    transform: translateY(100%);
    transition: transform 0.3s ease;
}
.sticky-bar.visible {
    transform: translateY(0);
}
.sticky-bar-inner {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 16px;
}
.sticky-bar .btn-primary {
    padding: 10px 28px;
    font-size: 0.95rem;
}
.sticky-bar-phone {
    color: #fff !important;
    border-color: rgba(255,255,255,0.3) !important;
    padding: 10px 20px !important;
    font-size: 0.95rem !important;
    display: flex;
    align-items: center;
    gap: 8px;
}
.sticky-bar-phone svg {
    width: 16px;
    height: 16px;
}
@media (max-width: 600px) {
    .sticky-bar-inner { gap: 10px; }
    .sticky-bar .btn-primary { padding: 10px 16px; font-size: 0.85rem; }
    .sticky-bar-phone { padding: 10px 12px !important; font-size: 0.85rem !important; }
}