/* ══════════════════════════════════════
   IZABELA NOWAK — AGENT UBEZPIECZENIOWY
   Główny arkusz stylów
   ══════════════════════════════════════ */

:root {
  --navy: #1A1F3A;
  --deep: #0D1120;
  --darkest: #070A14;
  --gold: #C8A96E;
  --gold-light: #E8C88A;
  --cream: #E8E0D0;
  --muted: #6A5A4A;
  --muted2: #8A7A6A;
  --red-soft: #E07A5F;
  --green-soft: #7EB8A4;
  --font-serif: 'Cormorant Garamond', 'Times New Roman', serif;
  --font-sans: 'Lato', sans-serif;
  --transition: all 0.25s ease;
  --shadow: 0 20px 60px rgba(0,0,0,0.4);
}

/* ── RESET ── */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  background: var(--deep);
  color: var(--cream);
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }

/* ── CONTAINER ── */
.container {
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 40px;
}

/* ── NAVBAR ── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(13,17,32,0.95);
  border-bottom: 1px solid rgba(200,169,110,0.15);
  backdrop-filter: blur(12px);
  transition: var(--transition);
}
.navbar.scrolled {
  background: rgba(7,10,20,0.98);
  border-bottom-color: rgba(200,169,110,0.25);
}
.nav-inner {
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 24px;
  height: 70px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.nav-logo-icon {
  width: 38px; height: 38px;
  border: 1.5px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 13px;
  color: var(--gold);
  letter-spacing: 1px;
}
.nav-logo-text {
  display: flex;
  flex-direction: column;
}
.nav-logo-name {
  font-family: var(--font-serif);
  font-size: 17px;
  color: var(--cream);
  letter-spacing: 0.03em;
  line-height: 1.1;
}
.nav-logo-role {
  font-family: monospace;
  font-size: 8px;
  color: var(--gold);
  letter-spacing: 0.2em;
}
.nav-links {
  display: flex;
  gap: 28px;
  list-style: none;
}
.nav-links a {
  font-family: var(--font-sans);
  font-size: 12px;
  color: var(--muted2);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  transition: var(--transition);
  padding: 4px 0;
  border-bottom: 1px solid transparent;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--gold);
  border-bottom-color: var(--gold);
}
.btn-nav {
  background: var(--gold);
  color: var(--deep);
  padding: 10px 20px;
  font-family: monospace;
  font-size: 9px;
  letter-spacing: 0.2em;
  font-weight: 700;
  text-transform: uppercase;
  white-space: nowrap;
  transition: var(--transition);
  flex-shrink: 0;
}
.btn-nav:hover { background: var(--gold-light); }

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--gold);
  border-radius: 1px;
  transition: var(--transition);
}

/* ── BUTTONS ── */
.btn-primary {
  display: inline-block;
  background: var(--gold);
  color: var(--deep);
  padding: 14px 28px;
  font-family: monospace;
  font-size: 10px;
  letter-spacing: 0.2em;
  font-weight: 700;
  text-transform: uppercase;
  border: none;
  cursor: pointer;
  transition: var(--transition);
}
.btn-primary:hover { background: var(--gold-light); }

.btn-secondary {
  display: inline-block;
  background: transparent;
  color: var(--gold);
  border: 1px solid var(--gold);
  padding: 14px 28px;
  font-family: monospace;
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  cursor: pointer;
  transition: var(--transition);
}
.btn-secondary:hover {
  background: rgba(200,169,110,0.1);
}

/* ── SECTION BASE ── */
.section { padding: 88px 0; }
.section-dark { background: linear-gradient(160deg, #131828 0%, var(--deep) 100%); }
.section-navy { background: var(--navy); }

.section-header {
  text-align: center;
  margin-bottom: 52px;
}
.section-tag {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  font-family: monospace;
  font-size: 10px;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.section-tag::before, .section-tag::after {
  content: '';
  width: 32px; height: 1px;
  background: var(--gold);
  opacity: 0.5;
}
.section-title {
  font-family: var(--font-serif);
  font-size: clamp(30px, 3.5vw, 46px);
  font-weight: 300;
  color: var(--cream);
  line-height: 1.25;
}
.section-title em {
  color: var(--gold);
  font-style: italic;
}

/* ── HERO ── */
.hero {
  min-height: 100vh;
  padding-top: 70px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--deep) 60%, #0A0E1A 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.hero-bg-circle {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}
.hero-bg-circle-1 {
  width: 700px; height: 700px;
  border: 1px solid rgba(200,169,110,0.05);
  top: -150px; right: -150px;
}
.hero-bg-circle-2 {
  width: 450px; height: 450px;
  border: 1px solid rgba(200,169,110,0.09);
  top: -50px; right: -50px;
}
.hero-geo {
  position: absolute;
  bottom: 60px; left: 60px;
  width: 180px; height: 180px;
  border: 1px solid rgba(200,169,110,0.07);
  transform: rotate(45deg);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  padding-top: 40px;
  padding-bottom: 60px;
  width: 100%;
}
.hero-tag {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 24px;
}
.hero-tag-line { width: 28px; height: 1px; background: var(--gold); }
.hero-tag-text {
  font-family: monospace;
  font-size: 10px;
  color: var(--gold);
  letter-spacing: 0.25em;
  text-transform: uppercase;
}
.hero-headline {
  font-family: var(--font-serif);
  font-size: clamp(36px, 4.5vw, 58px);
  font-weight: 300;
  line-height: 1.15;
  color: var(--cream);
  margin-bottom: 10px;
}
.hero-headline em { color: var(--gold); font-style: italic; }
.hero-sub {
  font-family: var(--font-serif);
  font-size: clamp(24px, 2.5vw, 36px);
  font-weight: 300;
  font-style: italic;
  color: var(--muted2);
  margin-bottom: 28px;
}
.hero-desc {
  font-size: 14px;
  color: var(--muted2);
  line-height: 1.8;
  max-width: 440px;
  margin-bottom: 36px;
}
.hero-desc strong { color: var(--cream); }
.hero-buttons {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}
.hero-trust {
  display: flex;
  align-items: center;
  gap: 10px;
}
.hero-trust-stars { color: var(--gold); font-size: 14px; letter-spacing: 2px; }
.hero-trust-text { font-size: 12px; color: var(--muted); font-family: monospace; }

/* Hero photo */
.hero-image {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero-line {
  position: absolute;
  top: 0; right: -20px;
  width: 1px; height: 60%;
  background: linear-gradient(to bottom, transparent, var(--gold), transparent);
  opacity: 0.2;
}
.hero-photo-frame {
  position: relative;
  width: 320px; height: 420px;
}
.hero-photo-bg {
  position: absolute;
  top: 20px; left: 20px;
  right: -20px; bottom: -20px;
  background: var(--navy);
  border: 1px solid rgba(200,169,110,0.15);
}
.hero-photo-main {
  position: relative;
  width: 100%; height: 100%;
  background: linear-gradient(160deg, #1E2448 0%, #14172E 100%);
  border: 1px solid rgba(200,169,110,0.12);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.hero-photo-main img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: top center;
}
.hero-photo-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.hero-photo-initials {
  font-family: var(--font-serif);
  font-size: 80px;
  color: rgba(200,169,110,0.15);
  line-height: 1;
}
.hero-photo-hint {
  font-family: monospace;
  font-size: 9px;
  color: var(--gold);
  letter-spacing: 0.2em;
  opacity: 0.5;
}
.hero-photo-badge {
  position: absolute;
  bottom: -16px; left: -16px;
  background: var(--gold);
  color: var(--deep);
  padding: 12px 18px;
}
.hero-photo-badge-num {
  display: block;
  font-family: var(--font-serif);
  font-size: 28px;
  font-weight: 700;
  line-height: 1;
  margin-bottom: 2px;
}
.hero-photo-badge-text {
  font-family: monospace;
  font-size: 8px;
  letter-spacing: 0.15em;
}

/* ── STATS BAR ── */
.stats-bar {
  background: var(--gold);
  padding: 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  padding: 0;
}
.stat-item {
  text-align: center;
  padding: 24px 20px;
  border-right: 1px solid rgba(13,17,32,0.15);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-serif);
  font-size: 38px;
  font-weight: 700;
  color: var(--deep);
  line-height: 1;
}
.stat-label {
  font-family: monospace;
  font-size: 9px;
  letter-spacing: 0.18em;
  color: rgba(13,17,32,0.6);
  text-transform: uppercase;
}

/* ── CARDS ── */
.cards-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
}
.card {
  background: var(--navy);
  padding: 36px 28px;
  border-top: 2px solid transparent;
  transition: var(--transition);
}
.card:hover { border-top-color: var(--gold); }
.card-featured {
  border-top: 2px solid var(--gold);
  background: linear-gradient(160deg, #1E2448 0%, var(--navy) 100%);
}
.card-icon { font-size: 32px; margin-bottom: 18px; }
.card-title {
  font-family: var(--font-serif);
  font-size: 22px;
  color: var(--cream);
  margin-bottom: 12px;
  font-weight: 400;
}
.card-desc {
  font-size: 13px;
  color: var(--muted2);
  line-height: 1.7;
  margin-bottom: 18px;
}
.card-risk {
  font-family: monospace;
  font-size: 10px;
  color: var(--gold);
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
}
.card-risk::before {
  content: '';
  width: 20px; height: 1px;
  background: var(--gold);
}
.card-link {
  font-family: monospace;
  font-size: 10px;
  color: var(--gold);
  letter-spacing: 0.1em;
  transition: var(--transition);
}
.card-link:hover { letter-spacing: 0.2em; }

/* ── PROBLEM SECTION ── */
.problem-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.calc-preview {
  background: var(--navy);
  border: 1px solid rgba(200,169,110,0.2);
  border-top: 3px solid var(--gold);
  padding: 28px;
}
.calc-label {
  font-family: monospace;
  font-size: 9px;
  letter-spacing: 0.22em;
  color: var(--gold);
  margin-bottom: 20px;
  text-transform: uppercase;
}
.calc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(200,169,110,0.08);
  font-size: 13px;
}
.calc-row-label { color: var(--muted2); }
.calc-row-val { color: var(--gold); font-family: monospace; }
.calc-sep {
  height: 1px;
  background: rgba(200,169,110,0.2);
  margin: 14px 0 10px;
}
.calc-total {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 8px;
}
.calc-total-label {
  font-family: monospace;
  font-size: 9px;
  color: var(--cream);
  letter-spacing: 0.1em;
}
.calc-total-val {
  font-family: var(--font-serif);
  font-size: 32px;
  color: var(--red-soft);
}
.calc-skladka {
  font-size: 12px;
  color: var(--muted2);
  padding: 10px 0 0;
  border-top: 1px solid rgba(200,169,110,0.08);
}
.calc-skladka strong { color: var(--green-soft); }

.problem-list {
  list-style: none;
  margin-bottom: 32px;
}
.problem-list li {
  display: flex;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(200,169,110,0.07);
  font-size: 13px;
  color: var(--muted2);
  line-height: 1.65;
}
.problem-list li::before {
  content: '→';
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 1px;
}

/* ── HOW SECTION ── */
.how-steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  position: relative;
}
.how-step {
  flex: 1;
  text-align: center;
  padding: 0 20px;
}
.how-step-line {
  flex-shrink: 0;
  width: 60px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  opacity: 0.3;
  margin-top: 28px;
}
.how-step-num {
  width: 56px; height: 56px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 22px;
  color: var(--gold);
  margin: 0 auto 20px;
  background: var(--deep);
  position: relative;
  z-index: 2;
}
.how-step-title {
  font-family: var(--font-serif);
  font-size: 18px;
  color: var(--cream);
  margin-bottom: 10px;
  font-weight: 400;
}
.how-step-desc {
  font-size: 13px;
  color: var(--muted2);
  line-height: 1.7;
}

/* ── TESTIMONIALS ── */
.testimonial-card {
  background: var(--deep);
  border: 1px solid rgba(200,169,110,0.1);
  border-top: 2px solid var(--gold);
  padding: 28px;
  position: relative;
  transition: var(--transition);
}
.testimonial-card:hover {
  border-color: rgba(200,169,110,0.3);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}
.testimonial-stars {
  position: absolute;
  top: 22px; right: 22px;
  color: var(--gold);
  font-size: 10px;
  letter-spacing: 2px;
}
.testimonial-quote {
  font-family: var(--font-serif);
  font-size: 52px;
  color: var(--gold);
  line-height: 0.8;
  opacity: 0.35;
  margin-bottom: 12px;
}
.testimonial-text {
  font-size: 13px;
  color: var(--muted2);
  line-height: 1.8;
  margin-bottom: 20px;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testimonial-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--navy);
  border: 1px solid rgba(200,169,110,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 16px;
  color: var(--gold);
  flex-shrink: 0;
}
.testimonial-name {
  font-size: 13px;
  color: var(--cream);
  margin-bottom: 2px;
}
.testimonial-role {
  font-family: monospace;
  font-size: 9px;
  color: var(--muted);
  letter-spacing: 0.1em;
}

/* ── CTA BANNER ── */
.cta-banner {
  padding: 88px 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--deep) 100%);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner-circles { pointer-events: none; }
.cta-circle {
  position: absolute;
  border-radius: 50%;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
}
.cta-circle-1 {
  width: 600px; height: 600px;
  border: 1px solid rgba(200,169,110,0.05);
}
.cta-circle-2 {
  width: 380px; height: 380px;
  border: 1px solid rgba(200,169,110,0.09);
}
.cta-banner-content { position: relative; z-index: 2; }
.cta-banner-title {
  font-family: var(--font-serif);
  font-size: clamp(32px, 4vw, 52px);
  font-weight: 300;
  color: var(--cream);
  margin-bottom: 16px;
  line-height: 1.2;
}
.cta-banner-title em { color: var(--gold); font-style: italic; }
.cta-banner-desc {
  font-size: 14px;
  color: var(--muted2);
  max-width: 480px;
  margin: 0 auto 36px;
  line-height: 1.8;
}
.cta-banner-buttons {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ── FOOTER ── */
.footer {
  background: var(--darkest);
  padding: 56px 0 24px;
  border-top: 1px solid rgba(200,169,110,0.12);
}
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-logo-name {
  font-family: var(--font-serif);
  font-size: 22px;
  color: var(--cream);
  margin-bottom: 4px;
}
.footer-logo-role {
  font-family: monospace;
  font-size: 9px;
  color: var(--gold);
  letter-spacing: 0.22em;
  margin-bottom: 16px;
}
.footer-desc {
  font-size: 12px;
  color: var(--muted);
  line-height: 1.7;
  max-width: 240px;
  margin-bottom: 20px;
}
.footer-social {
  display: flex;
  gap: 8px;
}
.footer-social-icon {
  width: 34px; height: 34px;
  border: 1px solid rgba(200,169,110,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  color: var(--gold);
  font-family: monospace;
  transition: var(--transition);
}
.footer-social-icon:hover {
  border-color: var(--gold);
  background: rgba(200,169,110,0.1);
}
.footer-col-title {
  font-family: monospace;
  font-size: 9px;
  color: var(--gold);
  letter-spacing: 0.25em;
  margin-bottom: 18px;
  text-transform: uppercase;
}
.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-links a {
  font-size: 13px;
  color: var(--muted);
  transition: var(--transition);
}
.footer-links a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(200,169,110,0.08);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.footer-copy {
  font-family: monospace;
  font-size: 10px;
  color: var(--muted);
  letter-spacing: 0.08em;
}
.footer-gold-line {
  width: 60px; height: 1px;
  background: linear-gradient(90deg, var(--gold), transparent);
}

/* ── PAGE HERO (dla podstron) ── */
.page-hero {
  padding: 140px 0 80px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--deep) 100%);
  position: relative;
  overflow: hidden;
  text-align: center;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 500px; height: 500px;
  border: 1px solid rgba(200,169,110,0.06);
  border-radius: 50%;
  pointer-events: none;
}
.page-hero-tag {
  font-family: monospace;
  font-size: 10px;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
}
.page-hero-tag::before, .page-hero-tag::after {
  content: '';
  width: 32px; height: 1px;
  background: var(--gold);
  opacity: 0.5;
}
.page-hero-title {
  font-family: var(--font-serif);
  font-size: clamp(36px, 5vw, 62px);
  font-weight: 300;
  color: var(--cream);
  line-height: 1.15;
  margin-bottom: 16px;
}
.page-hero-title em { color: var(--gold); font-style: italic; }
.page-hero-desc {
  font-size: 15px;
  color: var(--muted2);
  max-width: 520px;
  margin: 0 auto;
  line-height: 1.8;
}

/* ── BIO PAGE ── */
.bio-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 64px;
  align-items: start;
}
.bio-photo-wrap { position: relative; }
.bio-photo-frame {
  position: relative;
  width: 100%;
  padding-bottom: 130%;
  margin-bottom: 24px;
}
.bio-photo-bg {
  position: absolute;
  top: 16px; left: 16px;
  right: -16px; bottom: -16px;
  background: var(--navy);
  border: 1px solid rgba(200,169,110,0.15);
}
.bio-photo-main {
  position: absolute;
  inset: 0;
  overflow: hidden;
  border: 1px solid rgba(200,169,110,0.12);
}
.bio-photo-main img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: top center;
}
.bio-contact-card {
  background: var(--navy);
  border: 1px solid rgba(200,169,110,0.15);
  border-top: 2px solid var(--gold);
  padding: 20px;
}
.bio-contact-title {
  font-family: monospace;
  font-size: 9px;
  color: var(--gold);
  letter-spacing: 0.25em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.bio-contact-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 0;
  border-bottom: 1px solid rgba(200,169,110,0.08);
  font-size: 13px;
  color: var(--muted2);
  transition: var(--transition);
}
.bio-contact-item:hover { color: var(--gold); }
.bio-contact-item:last-of-type { border-bottom: none; }
.bio-contact-icon { font-size: 14px; }
.bio-social {
  display: flex;
  gap: 8px;
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid rgba(200,169,110,0.08);
}

.bio-headline {
  font-family: var(--font-serif);
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 300;
  color: var(--cream);
  line-height: 1.25;
  margin-bottom: 28px;
}
.bio-headline em { color: var(--gold); font-style: italic; }
.bio-text {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-bottom: 32px;
}
.bio-text p {
  font-size: 14px;
  color: var(--muted2);
  line-height: 1.85;
}
.bio-text em { color: var(--cream); font-style: italic; }
.bio-quote {
  background: var(--navy);
  border-left: 3px solid var(--gold);
  padding: 24px 28px;
  position: relative;
}
.bio-quote-mark {
  font-family: var(--font-serif);
  font-size: 60px;
  color: var(--gold);
  opacity: 0.3;
  line-height: 0.8;
  margin-bottom: 8px;
}
.bio-quote-text {
  font-family: var(--font-serif);
  font-size: 18px;
  font-style: italic;
  color: var(--cream);
  line-height: 1.6;
  margin-bottom: 12px;
}
.bio-quote-author {
  font-family: monospace;
  font-size: 10px;
  color: var(--gold);
  letter-spacing: 0.15em;
}

/* Values */
.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2px;
}
.value-card {
  background: var(--deep);
  padding: 32px 24px;
  border-top: 2px solid transparent;
  transition: var(--transition);
}
.value-card:hover { border-top-color: var(--gold); }
.value-icon { font-size: 28px; margin-bottom: 16px; }
.value-title {
  font-family: var(--font-serif);
  font-size: 18px;
  color: var(--cream);
  margin-bottom: 10px;
  font-weight: 400;
}
.value-desc {
  font-size: 13px;
  color: var(--muted2);
  line-height: 1.7;
}

/* Specialization */
.spec-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.spec-desc {
  font-size: 14px;
  color: var(--muted2);
  line-height: 1.8;
  margin-bottom: 24px;
}
.spec-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.spec-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  color: var(--cream);
  padding: 10px 0;
  border-bottom: 1px solid rgba(200,169,110,0.08);
}
.spec-list li::before {
  content: '✓';
  color: var(--gold);
  font-family: monospace;
  flex-shrink: 0;
}
.spec-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
}
.spec-stat {
  background: var(--navy);
  padding: 32px 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  border-top: 2px solid rgba(200,169,110,0.2);
}
.spec-stat-num {
  font-family: var(--font-serif);
  font-size: 46px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 8px;
}
.spec-stat-label {
  font-family: monospace;
  font-size: 9px;
  color: var(--muted2);
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

/* ── UBEZPIECZENIA PAGE ── */
.product-featured {
  background: var(--navy);
  border: 1px solid rgba(200,169,110,0.15);
  border-top: 3px solid var(--gold);
  padding: 40px;
  position: relative;
}
.product-featured-badge {
  position: absolute;
  top: -1px; left: 40px;
  background: var(--gold);
  color: var(--deep);
  font-family: monospace;
  font-size: 9px;
  letter-spacing: 0.2em;
  padding: 4px 12px;
  transform: translateY(-100%);
}
.product-featured-grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 48px;
  align-items: start;
}
.product-desc { font-size: 14px; color: var(--muted2); line-height: 1.8; margin-bottom: 28px; }
.product-covers { margin-bottom: 32px; }
.product-cover-title { font-family: monospace; font-size: 10px; color: var(--gold); letter-spacing: 0.2em; margin-bottom: 16px; }
.product-cover-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.product-cover-item { display: flex; gap: 12px; padding: 12px; background: var(--deep); border: 1px solid rgba(200,169,110,0.08); }
.product-cover-icon { font-size: 20px; flex-shrink: 0; }
.product-cover-name { font-size: 13px; color: var(--cream); margin-bottom: 4px; font-weight: 700; }
.product-cover-desc { font-size: 11px; color: var(--muted2); line-height: 1.5; }
.product-cta-row { display: flex; gap: 14px; flex-wrap: wrap; }
.product-example { background: var(--deep); border: 1px solid rgba(200,169,110,0.15); border-top: 2px solid var(--gold); padding: 24px; margin-bottom: 16px; }
.product-example-title { font-family: monospace; font-size: 9px; color: var(--gold); letter-spacing: 0.2em; margin-bottom: 8px; }
.product-example-scenario { font-size: 12px; color: var(--muted2); margin-bottom: 16px; padding-bottom: 12px; border-bottom: 1px solid rgba(200,169,110,0.1); }
.product-example-rows { display: flex; flex-direction: column; gap: 8px; margin-bottom: 4px; }
.product-example-row { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted2); padding: 6px 0; border-bottom: 1px solid rgba(200,169,110,0.06); }
.product-example-row.bold { font-size: 13px; color: var(--cream); border-bottom: none; }
.red { color: var(--red-soft); font-family: monospace; }
.green { color: var(--green-soft); font-family: monospace; }
.gold { color: var(--gold); font-family: monospace; }
.product-note { display: flex; gap: 10px; background: rgba(200,169,110,0.05); border: 1px solid rgba(200,169,110,0.15); padding: 14px; font-size: 12px; color: var(--muted2); line-height: 1.6; }
.product-note-icon { flex-shrink: 0; }
.products-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; }
.product-card { background: var(--deep); padding: 32px 24px; border-top: 2px solid transparent; transition: var(--transition); }
.product-card:hover { border-top-color: var(--gold); }
.product-card-icon { font-size: 32px; margin-bottom: 16px; }
.product-card-title { font-family: var(--font-serif); font-size: 20px; color: var(--cream); margin-bottom: 12px; font-weight: 400; }
.product-card-desc { font-size: 13px; color: var(--muted2); line-height: 1.7; margin-bottom: 16px; }
.product-card-list { list-style: none; display: flex; flex-direction: column; gap: 6px; }
.product-card-list li { font-size: 12px; color: var(--muted2); display: flex; gap: 8px; }
.product-card-list li::before { content: '·'; color: var(--gold); }
.professions-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; }
.profession-card { background: var(--navy); padding: 36px 28px; border-top: 2px solid rgba(200,169,110,0.2); transition: var(--transition); }
.profession-card:hover { border-top-color: var(--gold); }
.profession-icon { font-size: 32px; margin-bottom: 16px; }
.profession-title { font-family: var(--font-serif); font-size: 20px; color: var(--cream); margin-bottom: 10px; font-weight: 400; }
.profession-desc { font-size: 13px; color: var(--muted2); line-height: 1.7; margin-bottom: 16px; }
.profession-risk { font-family: monospace; font-size: 10px; color: var(--gold); display: flex; align-items: center; gap: 8px; }
.profession-risk::before { content: ''; width: 16px; height: 1px; background: var(--gold); }
.faq-list { display: flex; flex-direction: column; gap: 2px; max-width: 800px; margin: 0 auto; }
.faq-item { background: var(--navy); border-left: 3px solid transparent; transition: var(--transition); cursor: pointer; }
.faq-item.open { border-left-color: var(--gold); }
.faq-q { padding: 20px 24px; font-family: var(--font-serif); font-size: 18px; color: var(--cream); font-weight: 400; display: flex; justify-content: space-between; align-items: center; }
.faq-q::after { content: '+'; color: var(--gold); font-family: monospace; font-size: 20px; flex-shrink: 0; }
.faq-item.open .faq-q::after { content: '–'; }
.faq-a { display: none; padding: 0 24px 20px; font-size: 13px; color: var(--muted2); line-height: 1.8; }
.faq-item.open .faq-a { display: block; }

/* ── SPOTKANIE & KONTAKT ── */
.meeting-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.meeting-step-list { display: flex; flex-direction: column; gap: 20px; margin-bottom: 32px; }
.meeting-step { display: flex; gap: 16px; align-items: flex-start; }
.meeting-step-num { width: 40px; height: 40px; border: 1px solid var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--font-serif); font-size: 18px; color: var(--gold); flex-shrink: 0; }
.meeting-step-title { font-size: 15px; color: var(--cream); margin-bottom: 4px; font-weight: 700; }
.meeting-step-desc { font-size: 13px; color: var(--muted2); line-height: 1.6; }
.meeting-guarantee { display: flex; gap: 16px; background: rgba(200,169,110,0.06); border: 1px solid rgba(200,169,110,0.2); border-left: 3px solid var(--gold); padding: 20px; margin-bottom: 28px; }
.meeting-guarantee-icon { font-size: 24px; flex-shrink: 0; }
.meeting-guarantee-title { font-size: 14px; color: var(--cream); margin-bottom: 6px; font-weight: 700; }
.meeting-guarantee-desc { font-size: 13px; color: var(--muted2); line-height: 1.6; }
.meeting-contact-alt-title { font-family: monospace; font-size: 10px; color: var(--gold); letter-spacing: 0.2em; margin-bottom: 12px; }
.meeting-contact-alt-items { display: flex; flex-direction: column; gap: 8px; }
.meeting-contact-alt-item { font-size: 14px; color: var(--muted2); transition: var(--transition); display: block; padding: 8px 0; border-bottom: 1px solid rgba(200,169,110,0.08); }
.meeting-contact-alt-item:hover { color: var(--gold); }
.meeting-form-card { background: var(--navy); border: 1px solid rgba(200,169,110,0.15); border-top: 3px solid var(--gold); padding: 36px; }
.meeting-form-title { font-family: var(--font-serif); font-size: 26px; color: var(--cream); margin-bottom: 8px; font-weight: 400; }
.meeting-form-subtitle { font-size: 13px; color: var(--muted2); margin-bottom: 28px; }
.meeting-form { display: flex; flex-direction: column; gap: 18px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-label { font-family: monospace; font-size: 9px; color: var(--gold); letter-spacing: 0.2em; }
.form-input { background: var(--deep); border: 1px solid rgba(200,169,110,0.2); color: var(--cream); padding: 12px 16px; font-family: var(--font-sans); font-size: 14px; outline: none; transition: var(--transition); width: 100%; }
.form-input:focus { border-color: var(--gold); }
.form-input::placeholder { color: var(--muted); }
.form-select { cursor: pointer; appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23C8A96E' stroke-width='1.5' fill='none'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; }
.form-select option { background: var(--navy); }
.form-textarea { resize: vertical; min-height: 90px; }
.form-radio-group { display: flex; gap: 16px; flex-wrap: wrap; }
.form-radio { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--muted2); cursor: pointer; }
.form-radio input { accent-color: var(--gold); }
.form-checkbox { display: flex; align-items: flex-start; gap: 10px; font-size: 11px; color: var(--muted); cursor: pointer; line-height: 1.5; }
.form-checkbox input { accent-color: var(--gold); margin-top: 2px; flex-shrink: 0; }
.form-success { text-align: center; padding: 40px 20px; }
.form-success-icon { width: 60px; height: 60px; border-radius: 50%; background: rgba(126,184,164,0.2); border: 2px solid var(--green-soft); color: var(--green-soft); font-size: 24px; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; }
.form-success-title { font-family: var(--font-serif); font-size: 24px; color: var(--cream); margin-bottom: 8px; }
.form-success-desc { font-size: 14px; color: var(--muted2); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.contact-channel { display: flex; align-items: center; gap: 16px; padding: 18px 20px; background: var(--navy); border: 1px solid rgba(200,169,110,0.1); border-left: 3px solid transparent; margin-bottom: 8px; transition: var(--transition); }
.contact-channel:hover { border-left-color: var(--gold); background: rgba(200,169,110,0.05); }
.contact-channel-icon { font-size: 24px; flex-shrink: 0; width: 36px; text-align: center; }
.contact-channel-info { flex: 1; }
.contact-channel-title { font-family: monospace; font-size: 9px; color: var(--gold); letter-spacing: 0.2em; margin-bottom: 3px; }
.contact-channel-value { font-size: 15px; color: var(--cream); margin-bottom: 2px; }
.contact-channel-note { font-size: 11px; color: var(--muted); }
.contact-channel-arrow { color: var(--gold); font-size: 18px; }
.contact-availability { display: flex; gap: 12px; align-items: flex-start; background: rgba(200,169,110,0.06); border: 1px solid rgba(200,169,110,0.15); padding: 16px; margin-top: 16px; }
.contact-avail-dot { width: 10px; height: 10px; border-radius: 50%; background: var(--green-soft); box-shadow: 0 0 8px var(--green-soft); flex-shrink: 0; margin-top: 4px; }
.contact-avail-title { font-size: 14px; color: var(--cream); margin-bottom: 4px; font-weight: 700; }
.contact-avail-desc { font-size: 12px; color: var(--muted2); line-height: 1.6; }
.social-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; }
.social-card { background: var(--deep); padding: 36px 28px; border-top: 2px solid rgba(200,169,110,0.15); transition: var(--transition); display: block; }
.social-card:hover { border-top-color: var(--gold); background: rgba(200,169,110,0.04); }
.social-card-icon { font-size: 32px; color: var(--gold); font-family: monospace; margin-bottom: 12px; }
.social-card-name { font-family: var(--font-serif); font-size: 22px; color: var(--cream); margin-bottom: 4px; }
.social-card-handle { font-family: monospace; font-size: 10px; color: var(--gold); letter-spacing: 0.1em; margin-bottom: 14px; }
.social-card-desc { font-size: 13px; color: var(--muted2); line-height: 1.7; margin-bottom: 20px; }
.social-card-cta { font-family: monospace; font-size: 11px; color: var(--gold); letter-spacing: 0.1em; }
.kalk-wrap { background: var(--navy); border: 1px solid rgba(200,169,110,0.15); border-top: 3px solid var(--gold); overflow: hidden; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-image { display: none; }
  .hero-headline { font-size: 42px; }
  .cards-grid-3 { grid-template-columns: 1fr 1fr; }
  .problem-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .nav-links, .btn-nav { display: none; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 70px; left: 0; right: 0;
    background: rgba(7,10,20,0.98);
    padding: 24px;
    gap: 20px;
    border-bottom: 1px solid rgba(200,169,110,0.2);
  }
  .nav-hamburger { display: flex; }
  .cards-grid-3 { grid-template-columns: 1fr; }
  .how-steps { flex-direction: column; align-items: center; }
  .how-step-line { width: 1px; height: 40px; margin: 0; }
  .footer-top { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .section { padding: 60px 0; }
  .hero { min-height: auto; padding: 100px 0 60px; }
}

@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .hero-buttons { flex-direction: column; }
  .cta-banner-buttons { flex-direction: column; align-items: center; }
  .hero-headline { font-size: 34px; }
}

/* ── CONTACT BAR (spotkanie.html) ── */
.contact-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2px;
  margin-bottom: 40px;
}
.contact-bar-item {
  background: var(--navy);
  border: 1px solid rgba(200,169,110,0.1);
  border-top: 2px solid var(--gold);
  padding: 20px 18px;
  display: flex;
  align-items: center;
  gap: 14px;
  transition: var(--transition);
}
.contact-bar-item:hover { background: rgba(200,169,110,0.05); border-top-color: var(--gold); }
.contact-bar-icon { font-size: 22px; flex-shrink: 0; }
.contact-bar-label { font-family: monospace; font-size: 8px; letter-spacing: 0.2em; color: var(--gold); margin-bottom: 3px; }
.contact-bar-val { font-size: 14px; color: var(--cream); margin-bottom: 2px; }
.contact-bar-note { font-size: 10px; color: var(--muted); }
.meeting-contact-alt-title { font-family: monospace; font-size: 10px; color: var(--gold); letter-spacing: 0.2em; margin-bottom: 10px; }
.meeting-social { margin-top: 20px; }

@media(max-width: 768px) {
  .contact-bar { grid-template-columns: 1fr 1fr; }
  .bio-grid { grid-template-columns: 1fr; }
  .spec-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr 1fr; }
  .product-featured-grid { grid-template-columns: 1fr; }
  .products-grid { grid-template-columns: 1fr; }
  .professions-grid { grid-template-columns: 1fr; }
  .social-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .meeting-grid { grid-template-columns: 1fr; }
}
@media(max-width: 480px) {
  .contact-bar { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .spec-stats { grid-template-columns: 1fr 1fr; }
}