/* OfficeLife 2.0 — kolory pod logo officelife.pl (granat #133261) */
@font-face{font-family:"Manrope";font-style:normal;font-weight:600 800;font-display:swap;src:url(../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}
@font-face{font-family:"Manrope";font-style:normal;font-weight:600 800;font-display:swap;src:url(../fonts/manrope-pl.woff2) format("woff2");unicode-range:U+0104-0107,U+0118-0119,U+0141-0144,U+015A-015B,U+0179-017C}
@font-face{font-family:"Inter";font-style:normal;font-weight:400 600;font-display:swap;src:url(../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-face{font-family:"Inter";font-style:normal;font-weight:400 600;font-display:swap;src:url(../fonts/inter-pl.woff2) format("woff2");unicode-range:U+0104-0107,U+0118-0119,U+0141-0144,U+015A-015B,U+0179-017C}

:root{
  --navy:#133261; --navy2:#1C437F; --navy3:#0C2246;
  --blue:#1F5FD0; --blue2:#174DAD; --sky:#E8F0FC; --sky2:#CFE0FA;
  --ink:#16213A; --ink2:#46566E; --line:#DCE3EE; --soft:#F4F7FC;
  --ok:#137A4B; --ok-bg:#E7F5EE; --warn:#8A5A00; --warn-bg:#FFF4DC; --no:#B42318; --no-bg:#FDECEA;
  --r:16px; --r2:24px; --sh:0 1px 2px rgba(19,50,97,.06),0 8px 24px rgba(19,50,97,.08);
  --f-h:"Manrope",system-ui,-apple-system,"Segoe UI",sans-serif; --f-b:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font:16px/1.65 var(--f-b);color:var(--ink);background:#fff;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue2)}
a:hover{color:var(--navy)}
h1,h2,h3{font-family:var(--f-h);color:var(--navy);line-height:1.2;margin:0 0 .5em;font-weight:800;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.2vw,3.1rem)}
h2{font-size:clamp(1.55rem,2.8vw,2.2rem)}
h3{font-size:1.14rem;font-weight:700}
p{margin:0 0 1em}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:4px}
.wrap{width:min(1180px,100% - 40px);margin-inline:auto}
.wrap--narrow{width:min(800px,100% - 40px)}
.skip{position:absolute;left:-9999px;top:8px;background:#fff;padding:8px 14px;z-index:99}
.skip:focus{left:8px}
.center{text-align:center}
mark{background:none;color:inherit}
h1 mark{background:linear-gradient(90deg,var(--blue),#3B82F6);-webkit-background-clip:text;background-clip:text;color:transparent}
.ol-verify{display:inline-block;background:#FFE58A;color:#5A4200;font:600 12px/1.4 var(--f-b);padding:2px 8px;border-radius:6px;margin-left:4px}

/* Przyciski */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 22px;border-radius:999px;font:700 15px/1.2 var(--f-h);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s,transform .15s}
.btn--primary{background:var(--blue);color:#fff}
.btn--primary:hover{background:var(--blue2);color:#fff}
.btn--navy{background:var(--navy);color:#fff}
.btn--navy:hover{background:var(--navy3);color:#fff}
.btn--ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn--ghost:hover{border-color:var(--navy);color:var(--navy)}
.btn--light{background:#fff;color:var(--navy)}
.btn--light:hover{background:var(--sky);color:var(--navy)}
.btn--block{width:100%}
.link-arrow{display:inline-flex;align-items:center;gap:6px;font-weight:600;text-decoration:none}

/* Pasek górny i nagłówek */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.site-head__in{display:flex;align-items:center;gap:24px;min-height:84px}
.logo{display:flex;align-items:center;gap:16px;flex:none;text-decoration:none}
.logo>img{width:auto;height:58px}
.logo__by{display:flex;flex-direction:column;align-items:flex-start;gap:6px;padding-left:16px;border-left:1px solid var(--line);font:600 14px/1.2 var(--f-h);color:var(--ink2);white-space:nowrap}
.logo .logo__by img{height:30px;width:auto}
@media (min-width:1081px) and (max-width:1280px){.logo__by{font-size:11.5px}.logo .logo__by img{height:22px}.nav a,.nav__btn{padding:9px 9px;font-size:14.5px}.site-head__in{gap:14px}.head-cta{padding:10px 16px}}
.nav{margin-left:auto}
.nav>ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.nav a,.nav__btn{display:inline-flex;align-items:center;gap:4px;padding:10px 12px;border-radius:10px;color:var(--ink);font:600 15px/1.2 var(--f-b);text-decoration:none;background:none;border:0;cursor:pointer}
.nav a:hover,.nav__btn:hover,.nav__btn[aria-expanded=true]{background:var(--soft);color:var(--navy)}
.nav__dd{position:relative}
.nav__sub{position:absolute;top:100%;left:0;min-width:290px;list-style:none;margin:6px 0 0;padding:8px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh);display:none}
.nav__dd:hover .nav__sub,.nav__dd:focus-within .nav__sub,.nav__btn[aria-expanded=true]+.nav__sub{display:block}
.nav__sub a{display:block;padding:10px 12px;font-weight:500}
.burger{display:none;margin-left:auto;background:none;border:0;padding:10px;color:var(--navy);cursor:pointer}
.mnav{display:none;border-top:1px solid var(--line);padding:12px 20px 20px;max-height:calc(100vh - 110px);overflow:auto}
.mnav.is-open{display:block}
.mnav ul{list-style:none;margin:0 0 10px;padding:0}
.mnav a{display:block;padding:10px 0;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--soft)}
.mnav__h{margin:12px 0 2px;font:700 12px/1.4 var(--f-b);text-transform:uppercase;letter-spacing:.08em;color:var(--ink2)}
.mnav__cta{display:grid;gap:10px;margin-top:12px}
@media (max-width:1080px){.nav,.head-cta{display:none}.burger{display:block}}
@media (max-width:600px){.logo{gap:10px}.logo>img{height:36px}.logo__by{padding-left:10px;font-size:10px;gap:4px}.logo .logo__by img{height:18px}.site-head__in{min-height:62px}}

/* Okruszki */
.crumbs{border-bottom:1px solid var(--line);background:#fff}
.crumbs ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0;padding:12px 0;font-size:14px;color:var(--ink2)}
.crumbs li+li::before{content:"›";margin-right:6px;color:#9AA8BC}
.crumbs a{color:var(--ink2);text-decoration:none}
.crumbs a:hover{color:var(--navy);text-decoration:underline}

/* Sekcje */
.sec{padding:clamp(56px,7vw,92px) 0}
.sec--soft{background:var(--soft)}
.sec-head{max-width:760px;margin-bottom:36px}
.kicker{font:700 13px/1.4 var(--f-b);text-transform:uppercase;letter-spacing:.1em;color:var(--blue2);margin:0 0 10px}
.kicker--light{color:#A9C4F5}
.sec-lead{font-size:1.1rem;color:var(--ink2)}
.sec-after{margin:24px 0 0;font-size:14px;color:var(--ink2)}
.pill{display:inline-flex;align-items:center;gap:8px;background:var(--sky);color:var(--navy);font:600 14px/1.3 var(--f-b);padding:7px 14px;border-radius:999px;margin:0 0 18px}
.tag{align-self:flex-start;display:inline-block;background:var(--sky);color:var(--navy);font:600 12px/1.4 var(--f-b);padding:3px 10px;border-radius:999px;margin-bottom:10px}

/* Hero */
.hero{background:linear-gradient(180deg,#F5F8FE 0%,#fff 100%);padding:clamp(40px,6vw,80px) 0 clamp(48px,6vw,84px)}
.hero__in{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(28px,5vw,64px);align-items:center}
.hero__lead{font-size:1.15rem;color:var(--ink2);max-width:620px}
.hero__cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.hero__note{font-size:14px;color:var(--ink2);margin-top:16px}
.hero__media{position:relative}
.hero__media img{width:100%;aspect-ratio:10/7;object-fit:cover;border-radius:var(--r2);box-shadow:var(--sh)}
.hero--compact h1{font-size:clamp(1.9rem,3.6vw,2.7rem)}
.float-card{position:absolute;left:-24px;bottom:-24px;background:#fff;border-radius:var(--r);box-shadow:0 18px 40px rgba(19,50,97,.18);padding:16px 20px;min-width:220px;border-left:4px solid var(--blue)}
.float-card__k{margin:0;font-size:13px;color:var(--ink2);font-weight:600}
.float-card__v{margin:2px 0;font:800 1.6rem/1.2 var(--f-h);color:var(--navy)}
.float-card__v small{font-size:.9rem;font-weight:600;color:var(--ink2)}
.float-card__s{margin:0;font-size:13px;color:var(--ink2)}
.ticks{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:8px}
.ticks li{display:flex;gap:10px;align-items:flex-start}
.ticks .ol-ico{flex:none;color:var(--ok);margin-top:3px}
.ticks--light li{color:#E3EBF8}
.ticks--light .ol-ico{color:#7FD6A8}
@media (max-width:900px){.hero__in{grid-template-columns:1fr}.hero__media{order:-1;max-width:640px}.float-card{position:relative;left:auto;bottom:auto;margin:-36px 14px 0}}

/* Rozdroże */
.paths__grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.path{border:1px solid var(--line);border-radius:var(--r2);overflow:hidden;background:#fff;display:flex;flex-direction:column}
.path__img{width:100%;aspect-ratio:16/7;object-fit:cover}
.path__body{padding:26px 28px 30px;display:flex;flex-direction:column;flex:1}
.path__body .btn{margin-top:auto;align-self:flex-start}
.path__k{display:flex;align-items:center;gap:8px;font:700 13px/1.4 var(--f-b);text-transform:uppercase;letter-spacing:.08em;color:var(--blue2);margin:0 0 10px}
.path__links{list-style:none;margin:6px 0 24px;padding:0}
.path__links a{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:11px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:600}
.path__links a:hover{color:var(--blue2)}
.path--dark{background:var(--navy);border-color:var(--navy);color:#DCE6F6}
.path--dark h3{color:#fff}
.path--dark .path__k{color:#A9C4F5}
.path--dark .path__links a{color:#fff;border-color:rgba(255,255,255,.15)}
.path--dark .path__links a:hover{color:#A9C4F5}
@media (max-width:860px){.paths__grid{grid-template-columns:1fr}}

/* Siatki i karty */
.grid{display:grid;gap:20px}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--4{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.grid--3,.grid--4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.grid--2,.grid--3,.grid--4{grid-template-columns:1fr}}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;color:var(--ink);text-decoration:none}
.sec--soft .card{border-color:#E3E9F3}
.card p{color:var(--ink2);margin:0}
.card--link{transition:border-color .15s,box-shadow .15s,transform .15s}
.card--link:hover{border-color:var(--blue);box-shadow:var(--sh);transform:translateY(-2px);color:var(--ink)}
.card__ico{display:inline-grid;place-items:center;width:46px;height:46px;border-radius:12px;background:var(--sky);color:var(--navy);margin-bottom:16px}
.card__more{margin-top:auto;padding-top:16px;display:inline-flex;align-items:center;gap:6px;color:var(--blue2);font-weight:600}
.post-card__t{font-size:1.14rem;font-weight:700}

/* Sekcje polisy */
.polisa{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.polisa__row{display:grid;grid-template-columns:64px 1fr auto;gap:20px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 22px}
.polisa__nr{display:grid;place-items:center;width:52px;height:52px;border-radius:14px;background:var(--navy);color:#fff;font:800 1.05rem/1 var(--f-h)}
.polisa__txt h3{margin:0 0 4px}
.polisa__txt p{margin:0;color:var(--ink2);font-size:15px}
.polisa__lim{font:800 1.05rem/1.3 var(--f-h);color:var(--navy);text-align:right;white-space:nowrap}
@media (max-width:700px){.polisa__row{grid-template-columns:48px 1fr;gap:14px}.polisa__nr{width:44px;height:44px}.polisa__lim{grid-column:2;text-align:left}}

/* Cennik */
.prices{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.price{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 18px}
.price--hot{border:2px solid var(--blue);box-shadow:var(--sh)}
.price__badge{position:absolute;top:-12px;left:16px;background:var(--blue);color:#fff;font:700 11px/1.4 var(--f-b);padding:3px 10px;border-radius:999px}
.price__k{margin:0;font-size:13px;color:var(--ink2)}
.price__sum{margin:0 0 12px;font:800 1.1rem/1.3 var(--f-h);color:var(--navy)}
.price__v{margin:0 0 8px;font:800 1.6rem/1.2 var(--f-h);color:var(--blue2)}
.price__v small{font-size:.85rem;font-weight:600;color:var(--ink2)}
.price__d{margin:0 0 8px;font-size:13px;font-weight:600;color:var(--ink)}
.price__list{list-style:none;margin:0;padding:10px 0 0;border-top:1px solid var(--line);display:grid;gap:6px;font-size:12px;line-height:1.4;color:var(--ink2)}
.price__list li{display:grid;grid-template-columns:26px 1fr;gap:4px}
.price__list span{font:800 11px/1.5 var(--f-h);color:var(--navy)}
@media (max-width:1080px){.prices{grid-template-columns:repeat(3,1fr)}}
@media (max-width:640px){.prices{grid-template-columns:1fr 1fr}}
@media (max-width:420px){.prices{grid-template-columns:1fr}}
.cennik .center{margin-top:24px}

/* ≠ */
.neq__grid{display:grid;grid-template-columns:1fr auto 1fr;gap:20px;align-items:stretch}
.neq__col{border-radius:var(--r2);padding:28px}
.neq__col ul{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.neq__col li{display:flex;gap:10px;align-items:flex-start}
.neq__col .ol-ico{flex:none;margin-top:3px}
.neq__col--left{background:var(--soft);border:1px solid var(--line)}
.neq__col--left .ol-ico{color:var(--no)}
.neq__col--right{background:var(--navy);color:#E3EBF8}
.neq__col--right h3{color:#fff}
.neq__col--right .ol-ico{color:#7FD6A8}
.neq__sign{align-self:center;font:800 3.4rem/1 var(--f-h);color:var(--blue)}
@media (max-width:820px){.neq__grid{grid-template-columns:1fr}.neq__sign{justify-self:center;font-size:2.6rem}}

/* Scenariusze */
.scen-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;border-top:4px solid var(--ok)}
.scen-card--limit{border-top-color:#D99A00}
.scen-card--no{border-top-color:var(--no)}
.scen-card__st{display:inline-flex;align-items:center;gap:6px;font:700 12px/1.4 var(--f-b);padding:4px 10px;border-radius:999px;background:var(--ok-bg);color:var(--ok);margin-bottom:12px}
.scen-card--limit .scen-card__st{background:var(--warn-bg);color:var(--warn)}
.scen-card--no .scen-card__st{background:var(--no-bg);color:var(--no)}
.scen-card p{color:var(--ink2)}
.scen-card__out{margin:0;padding-top:12px;border-top:1px dashed var(--line);color:var(--ink)!important}

/* Zakres */
.zakres__grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.zakres__col{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.zakres__col h3{display:flex;align-items:center;gap:8px}
.zakres__col--yes h3 .ol-ico{color:var(--ok)}
.zakres__col--no h3 .ol-ico{color:var(--no)}
.zakres__col ul{margin:0;padding-left:20px;display:grid;gap:8px;color:var(--ink2)}
@media (max-width:760px){.zakres__grid{grid-template-columns:1fr}}

/* Tabela */
.tbl__wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.tbl table{width:100%;border-collapse:collapse;min-width:560px}
.tbl th,.tbl td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top;font-size:15px}
.tbl thead th{background:var(--navy);color:#fff;font:700 14px/1.4 var(--f-b)}
.tbl tbody th{font-weight:600;color:var(--ink)}
.tbl tbody tr:last-child>*{border-bottom:0}
.yn{display:inline-flex;align-items:center;gap:4px;font-weight:700;margin-right:4px}
.yn--y{color:var(--ok)}
.yn--n{color:var(--no)}
.yn--p{color:var(--warn)}

/* Tekst */
.prose__body{max-width:800px}
.prose__body ul{padding-left:20px}
.prose__body li{margin-bottom:6px}
.entry h2{font-size:1.5rem;margin-top:1.6em}
.entry h3{margin-top:1.4em}
.entry ul,.entry ol{padding-left:22px}
.entry li{margin-bottom:6px}
.entry img{border-radius:12px}
.fineprint{font-size:14px;color:var(--ink2)}

/* Kroki */
.steps__list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.steps__list li{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.steps__n{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font:800 1rem/1 var(--f-h);margin-bottom:14px}
.steps__list p{margin:0;color:var(--ink2)}
@media (max-width:960px){.steps__list{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps__list{grid-template-columns:1fr}}

/* FAQ */
.faq__list{display:grid;gap:12px;max-width:880px}
.faq__item{background:#fff;border:1px solid var(--line);border-radius:var(--r)}
.faq__item summary{display:flex;justify-content:space-between;gap:16px;align-items:center;padding:18px 22px;cursor:pointer;font:700 1.02rem/1.4 var(--f-h);color:var(--navy);list-style:none}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary .ol-ico{flex:none;transition:transform .2s}
.faq__item[open] summary .ol-ico{transform:rotate(180deg)}
.faq__a{padding:0 22px 18px;color:var(--ink2)}
.faq__a p:last-child{margin:0}

/* Broker */
.broker__card{display:flex;flex-wrap:wrap;gap:28px;align-items:flex-start;background:var(--soft);border:1px solid var(--line);border-radius:var(--r2);padding:clamp(24px,4vw,40px)}
.broker__card>img{width:96px;height:96px;border-radius:50%;object-fit:cover;flex:none;border:4px solid #fff;box-shadow:var(--sh)}
.broker__facts{list-style:none;margin:0 0 16px;padding:0;display:flex;flex-wrap:wrap;gap:10px 22px;color:var(--ink2);font-size:15px}
.broker__facts li{display:inline-flex;align-items:center;gap:6px}
.broker__facts .ol-ico{color:var(--blue2)}
@media (max-width:640px){.broker__card{flex-direction:column}}

/* Info */
.note-sec{padding-top:0}
.sec+.note-sec{padding-top:0}
.note{display:flex;gap:16px;background:var(--sky);border-radius:var(--r);padding:22px 24px;color:var(--ink)}
.note>.ol-ico{flex:none;color:var(--navy);margin-top:2px}
.note__t{font:700 1.05rem/1.4 var(--f-h);color:var(--navy);margin:0 0 6px}
.note p:last-child{margin:0}

/* CTA z formularzem */
.cta-sec{background:linear-gradient(135deg,var(--navy3) 0%,var(--navy) 55%,var(--navy2) 100%);color:#DCE6F6}
.cta-sec__in{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,64px);align-items:start}
.cta-sec h2{color:#fff}
.cta-sec__tel{margin-top:24px}
.cta-sec__tel a{color:#fff;font:800 1.25rem/1.2 var(--f-h);text-decoration:none;display:inline-flex;align-items:center;gap:8px;margin-right:8px}
.cta-sec__tel span{font-size:14px;color:#A9BBDA}
@media (max-width:900px){.cta-sec__in{grid-template-columns:1fr}}

/* Formularz */
.lead{background:#fff;color:var(--ink);border-radius:var(--r2);padding:clamp(22px,3vw,32px);box-shadow:0 24px 60px rgba(0,0,0,.18)}
.contact__form .lead{box-shadow:var(--sh);border:1px solid var(--line)}
.lead__t{font:800 1.3rem/1.3 var(--f-h);color:var(--navy);margin:0 0 16px}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;font-size:14px;margin-bottom:6px}
.opt{font-weight:400;color:var(--ink2)}
.field input,.field select,.field textarea{width:100%;font:16px/1.4 var(--f-b);color:var(--ink);background:#fff;border:1.5px solid #C6D1E1;border-radius:12px;padding:12px 14px}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);outline:3px solid var(--sky2);outline-offset:0}
.field [aria-invalid=true]{border-color:var(--no)}
.field__err{display:block;color:var(--no);font-size:13px;margin-top:4px;min-height:0}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
@media (max-width:520px){.grid2{grid-template-columns:1fr}}
.check{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--ink2);margin:6px 0 4px}
.check input{width:20px;height:20px;flex:none;margin-top:1px;accent-color:var(--blue)}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.lead button[type=submit]{margin-top:14px}
.lead__msg{margin:10px 0 0;font-size:14px;color:var(--no)}
.lead__msg:empty{display:none}
.lead__done{text-align:center;padding:20px 0}
.lead__done .ol-ico{color:var(--ok);margin:0 auto 10px}

/* Nagłówek podstron (bez hero) */
.page-head{background:linear-gradient(180deg,#F5F8FE 0%,#fff 100%);padding:clamp(40px,6vw,72px) 0 clamp(28px,4vw,44px)}
.page-head h1{font-size:clamp(1.9rem,3.6vw,2.6rem);max-width:900px}

/* Kontakt i O nas */
.contact{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(24px,4vw,56px);align-items:start}
.contact__box{border:1px solid var(--line);border-radius:var(--r);padding:20px 22px;margin-bottom:14px}
.contact__k{display:flex;align-items:center;gap:8px;font-weight:700;color:var(--navy);margin:0 0 6px}
.contact__v{font:800 1.25rem/1.3 var(--f-h);margin:0 0 4px}
.contact__v a{text-decoration:none}
.contact__box p:last-child{margin-bottom:0}
.about{display:grid;grid-template-columns:320px 1fr;gap:clamp(24px,4vw,56px);align-items:start}
.about__card{background:var(--soft);border:1px solid var(--line);border-radius:var(--r2);padding:28px;text-align:center;position:sticky;top:100px}
.about__card img{width:120px;height:120px;border-radius:50%;object-fit:cover;margin:0 auto 14px;border:4px solid #fff;box-shadow:var(--sh)}
.about__name{font:800 1.25rem/1.3 var(--f-h);color:var(--navy);margin:0}
.about__role{font-size:14px;color:var(--ink2)}
.about__facts{list-style:none;padding:0;margin:0 0 16px;text-align:left;display:grid;gap:8px;font-size:15px}
.about__facts li{display:flex;gap:8px;align-items:center}
.about__facts .ol-ico{color:var(--blue2);flex:none}
@media (max-width:860px){.contact,.about{grid-template-columns:1fr}.about__card{position:static}}

/* Blog */
.post-cta{background:var(--sky);border-radius:var(--r);padding:24px;margin-top:40px}
.post-cta__t{font:800 1.2rem/1.3 var(--f-h);color:var(--navy);margin:0 0 6px}
.pager{margin-top:32px}
.pager .nav-links{display:flex;gap:8px;flex-wrap:wrap}
.pager .page-numbers{padding:8px 14px;border:1px solid var(--line);border-radius:10px;text-decoration:none}
.pager .current{background:var(--navy);color:#fff;border-color:var(--navy)}

/* Stopka */
.site-foot{background:var(--navy3);color:#B9C8E2;padding:64px 0 40px;font-size:15px}
@media (max-width:760px){.site-foot{padding-bottom:110px}}
.foot__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.foot__logo{font:800 1.6rem/1 var(--f-h);color:#fff;margin:0 0 14px}
.foot__logo span{color:#A9C4F5;font-weight:600}
.foot__kg{width:150px;height:auto;margin-top:16px;filter:brightness(0) invert(1);opacity:.85}
.site-foot h2{font-size:1rem;color:#fff;margin-bottom:14px}
.site-foot ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.site-foot a{color:#DCE6F6;text-decoration:none}
.site-foot a:hover{color:#fff;text-decoration:underline}
.foot__legal{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:24px;font-size:13px;color:#A3B4D2}
@media (max-width:900px){.foot__grid{grid-template-columns:1fr 1fr}.foot__brand{grid-column:1/-1}}
@media (max-width:520px){.foot__grid{grid-template-columns:1fr}}

/* Pasek na telefonie */
.mbar{display:none}
@media (max-width:760px){
  .mbar{display:flex;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(19,50,97,.08)}
  .mbar .btn--primary{flex:1}
  .mbar .btn--ghost{width:52px;padding:0}
}

/* Baner cookies */
.cc{position:fixed;left:16px;bottom:16px;z-index:80;max-width:460px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:0 18px 50px rgba(0,0,0,.18);padding:20px}
.cc__title{font:800 1.05rem/1.3 var(--f-h);color:var(--navy);margin:0 0 6px}
.cc__text{font-size:14px;color:var(--ink2)}
.cc__btns{display:flex;gap:10px;flex-wrap:wrap}
@media (max-width:760px){.cc{left:10px;right:10px;bottom:84px;max-width:none}}

@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
.broker__txt{flex:1;min-width:260px}
.broker__dane{flex-basis:100%;display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:0;padding-top:22px;border-top:1px solid var(--line)}
.broker__dane div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 14px}
.broker__dane dt{font-size:12px;font-weight:600;color:var(--ink2);text-transform:uppercase;letter-spacing:.05em;margin-bottom:2px}
.broker__dane dd{margin:0;font-weight:600;color:var(--navy);font-size:15px}
@media (max-width:860px){.broker__dane{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.broker__dane{grid-template-columns:1fr}}

/* Kalkulator */
.kalk__in{display:grid;grid-template-columns:1.25fr .75fr;gap:24px;align-items:start;margin-bottom:28px}
.kalk__q{display:grid;gap:14px}
.kalk__f{margin:0;border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;background:#fff}
.kalk__f legend{display:flex;align-items:center;gap:10px;font:700 1rem/1.3 var(--f-h);color:var(--navy);padding:0 6px}
.kalk__f legend span{display:grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--blue);color:#fff;font-size:13px}
.kalk__opts{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.kalk__opt{position:relative;cursor:pointer}
.kalk__opt input{position:absolute;opacity:0;width:1px;height:1px}
.kalk__opt span{display:inline-block;padding:9px 14px;border:1.5px solid #C6D1E1;border-radius:999px;font-size:14px;font-weight:600;color:var(--ink)}
.kalk__opt input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.kalk__opt input:focus-visible+span{outline:3px solid var(--blue);outline-offset:2px}
.kalk__out{position:sticky;top:110px;background:var(--navy);color:#DCE6F6;border-radius:var(--r2);padding:26px}
.kalk__k{margin:0;font-size:13px;color:#A9BBDA;font-weight:600}
.kalk__sum{margin:2px 0 14px;font:800 1.5rem/1.2 var(--f-h);color:#fff}
.kalk__price{margin:2px 0 14px;font:800 2.1rem/1.1 var(--f-h);color:#fff}
.kalk__price small{font-size:1rem;color:#A9BBDA}
.kalk__why{font-size:14px;margin-bottom:8px}
.kalk__alt{font-size:14px;color:#A9C4F5;margin-bottom:12px}
.kalk__alt:empty{display:none}
.kalk__note{font-size:12px;color:#A9BBDA;margin:0;border-top:1px solid rgba(255,255,255,.15);padding-top:12px}
.kalk__form{max-width:760px}
.kalk__form .lead{box-shadow:var(--sh);border:1px solid var(--line)}
@media (max-width:900px){.kalk__in{grid-template-columns:1fr}.kalk__out{position:static}}

/* Lista kontrolna */
.chk__list{list-style:none;counter-reset:c;margin:0;padding:0;display:grid;gap:10px;max-width:900px}
.chk__list li{counter-increment:c;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px 18px}
.chk__list label{display:flex;gap:14px;align-items:flex-start;cursor:pointer}
.chk__list input{width:22px;height:22px;flex:none;margin-top:2px;accent-color:var(--ok)}
.chk__list strong{color:var(--navy)}
.chk__list span{color:var(--ink2)}
.chk__print{margin-top:20px}

/* Tekst do skopiowania */
.kopiuj__box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;max-width:860px}
.kopiuj__txt{border-left:4px solid var(--blue);padding-left:18px;margin-bottom:18px;color:var(--ink)}
.kopiuj__txt p:last-child{margin:0}

/* Znaczek */
.znaczek__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.znaczek__fig{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;text-align:center}
.znaczek__fig svg{width:100%;height:auto;max-width:320px}
.znaczek__fig figcaption{font-size:13px;color:var(--ink2);margin-top:10px}
@media (max-width:860px){.znaczek__grid{grid-template-columns:1fr}}

/* Druk */
@media print{
  .site-head,.site-foot,.mbar,.cc,.crumbs,.cta-sec,.related,.chk__print,.hero__media,.hero__cta,.note-sec{display:none!important}
  body{font-size:12pt;color:#000}
  .sec{padding:12pt 0}
  .chk__list li{break-inside:avoid;border-color:#999}
}
.nav__sub .nav__h{padding:12px 12px 4px;margin-top:6px;border-top:1px solid var(--line);font:700 11px/1.4 var(--f-b);text-transform:uppercase;letter-spacing:.08em;color:var(--ink2)}
.mnav .nav__h{margin:10px 0 0;font:700 11px/1.4 var(--f-b);text-transform:uppercase;letter-spacing:.08em;color:var(--ink2)}
.foot__h{margin-top:8px;font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:#8FA3C6}
@media (min-width:1081px){.nav__dd:first-child .nav__sub{min-width:620px;column-count:2;column-gap:8px}.nav__dd:first-child .nav__sub li{break-inside:avoid}.nav__dd:first-child .nav__sub .nav__h{break-after:avoid}}
/* Test polisy */
.quiz__in{display:grid;grid-template-columns:1.3fr .7fr;gap:24px;align-items:start}
.quiz__list{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.quiz__q fieldset{margin:0;border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;background:#fff}
.quiz__q legend{display:flex;gap:10px;align-items:flex-start;font:700 1rem/1.35 var(--f-h);color:var(--navy);padding:0 6px}
.quiz__q legend span{flex:none;display:grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--blue);color:#fff;font-size:13px}
.quiz__hint{margin:6px 0 0;font-size:13px;color:var(--ink2)}
.quiz__out{position:sticky;top:110px;background:var(--navy);color:#DCE6F6;border-radius:var(--r2);padding:26px}
.quiz__licz{font-size:13px;color:#A9BBDA}
.quiz__luki{list-style:none;margin:0 0 18px;padding:0;display:grid;gap:8px;font-size:14px}
.quiz__luki li{padding-left:22px;position:relative}
.quiz__luki li::before{content:"";position:absolute;left:0;top:6px;width:10px;height:10px;border-radius:50%}
.quiz__l--no::before{background:#FF8A80}
.quiz__l--nw::before{background:#FFD166}
@media (max-width:900px){.quiz__in{grid-template-columns:1fr}.quiz__out{position:static}}
/* Słowniczek */
.slownik__az{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px}
.slownik__az a{padding:6px 12px;border:1px solid var(--line);border-radius:999px;font-size:13px;font-weight:600;text-decoration:none;color:var(--navy);background:#fff}
.slownik__az a:hover{border-color:var(--blue)}
.slownik__list{margin:0;display:grid;gap:14px;max-width:900px}
.slownik__item{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 22px;scroll-margin-top:100px}
.slownik__item dt{font:800 1.1rem/1.3 var(--f-h);color:var(--navy);margin-bottom:6px}
.slownik__item dd{margin:0;color:var(--ink2)}
.slownik__item dd p:last-child{margin-bottom:0}
.slownik__ex{background:var(--soft);border-radius:10px;padding:10px 12px;font-size:14px}
/* Panel „Zapytaj brokera” */
.ask-fab{position:fixed;right:20px;bottom:20px;z-index:70;display:inline-flex;align-items:center;gap:8px;padding:14px 20px;border:0;border-radius:999px;background:var(--navy);color:#fff;font:700 15px/1 var(--f-h);box-shadow:0 12px 30px rgba(19,50,97,.3);cursor:pointer}
.ask-fab:hover{background:var(--navy3)}
.drawer{position:fixed;inset:0;z-index:90}
.drawer__bg{position:absolute;inset:0;background:rgba(12,34,70,.45)}
.drawer__panel{position:absolute;top:0;right:0;bottom:0;width:min(460px,100%);background:#fff;overflow:auto;padding:22px 22px 30px;box-shadow:-20px 0 50px rgba(0,0,0,.2);animation:olIn .22s ease-out}
@keyframes olIn{from{transform:translateX(30px);opacity:0}to{transform:none;opacity:1}}
.drawer__head{display:flex;justify-content:space-between;gap:12px;align-items:flex-start;margin-bottom:8px}
.drawer__t{font:800 1.35rem/1.2 var(--f-h);color:var(--navy);margin:0}
.drawer__s{font-size:13px;color:var(--ink2);margin:4px 0 0}
.drawer__x{background:var(--soft);border:0;border-radius:10px;padding:8px;cursor:pointer;color:var(--navy)}
.drawer__lead{font-size:14px;color:var(--ink2)}
.drawer .lead{box-shadow:none;padding:0}
.drawer .lead__t{display:none}
.drawer__alt{font-size:14px;color:var(--ink2);margin-top:16px}
html.has-drawer{overflow:hidden}
@media (max-width:760px){.ask-fab{display:none}.mbar .btn--ask{width:52px;padding:0}}
@media print{.ask-fab,.drawer{display:none!important}}