:root{
  --navy:#0B1B33;--navy-2:#13294B;--navy-3:#1D3760;
  --em:#34D399;--em-d:#10B981;--em-ink:#064E3B;
  --bg:#FFFFFF;--soft:#F5F7FA;--ink:#0B1B33;--text:#334155;--muted:#64748B;--line:#E5E9F0;
  --warn:#B45309;--warn-bg:#FEF3C7;
  --f:"Geist","Segoe UI",system-ui,-apple-system,sans-serif;
  box-sizing:border-box;padding-bottom:env(safe-area-inset-bottom,0px);
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#0A1426;--soft:#101D35;--ink:#F1F5F9;--text:#CBD5E1;--muted:#94A3B8;--line:#1E2D4A;--warn:#FCD34D;--warn-bg:#3A2A0A}}
:root[data-theme="dark"]{--bg:#0A1426;--soft:#101D35;--ink:#F1F5F9;--text:#CBD5E1;--muted:#94A3B8;--line:#1E2D4A;--warn:#FCD34D;--warn-bg:#3A2A0A}
*,*::before,*::after{box-sizing:inherit}
html{scroll-behavior:smooth;scroll-padding-top:80px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font:400 16px/1.6 var(--f);-webkit-font-smoothing:antialiased}
a{color:inherit}button{font:inherit}
:focus-visible{outline:2px solid var(--em);outline-offset:3px;border-radius:8px}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
h1,h2,h3{margin:0;color:var(--ink);letter-spacing:-.025em}

/* ---------- HERO (dark) ---------- */
.hero{background:var(--navy);color:#fff;padding-top:env(safe-area-inset-top,0px);position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;width:900px;height:900px;right:-300px;top:-420px;background:radial-gradient(closest-side,rgba(52,211,153,.18),transparent);pointer-events:none}
.bar{display:flex;align-items:center;justify-content:space-between;height:68px;position:relative;z-index:2}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:19px;text-decoration:none;color:#fff;letter-spacing:-.02em}
.logo svg{width:30px;height:30px}
.bar nav{display:flex;align-items:center;gap:28px;font-size:15px;font-weight:500}
.bar nav a{text-decoration:none;color:rgba(255,255,255,.72)}
.bar nav a:hover{color:#fff}
.bar .pill{background:#fff;color:var(--navy);padding:9px 16px;border-radius:10px;font-weight:600}
.bar .pill:hover{color:var(--navy);background:#E2E8F0}
@media(max-width:720px){.bar nav a:not(.pill){display:none}}

.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding:56px 0 72px;position:relative;z-index:1}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:500;color:rgba(255,255,255,.8);background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);padding:6px 12px 6px 8px;border-radius:999px;margin-bottom:22px}
.eyebrow i{width:8px;height:8px;border-radius:50%;background:var(--em);box-shadow:0 0 0 4px rgba(52,211,153,.2)}
.hero h1{color:#fff;font-size:clamp(38px,6vw,64px);line-height:1.04;font-weight:700;letter-spacing:-.04em;margin-bottom:20px}
.hero h1 span{color:var(--em)}
.hero .lead{font-size:clamp(17px,2vw,19px);line-height:1.55;color:rgba(255,255,255,.72);max-width:44ch;margin:0 0 32px}
.ctas{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:0 24px;border-radius:12px;font-weight:600;font-size:16px;text-decoration:none;border:0;cursor:pointer;transition:background .15s,transform .15s}
.btn:active{transform:scale(.98)}
.btn-em{background:var(--em);color:var(--em-ink)}
.btn-em:hover{background:#6EE7B7}
.btn-ghost{background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(255,255,255,.16)}
.btn-ghost:hover{background:rgba(255,255,255,.14)}
.stats{display:flex;gap:36px;margin-top:44px;padding-top:28px;border-top:1px solid rgba(255,255,255,.1);flex-wrap:wrap}
.stats b{display:block;font-size:28px;font-weight:700;color:#fff;letter-spacing:-.03em;line-height:1.2}
.stats span{font-size:14px;color:rgba(255,255,255,.6)}

/* phone mockup – signature */
.phone-wrap{display:flex;justify-content:center}
.phone{width:290px;height:560px;border-radius:44px;background:#050D1A;padding:10px;box-shadow:0 0 0 1px rgba(255,255,255,.08),0 40px 80px -20px rgba(0,0,0,.6);position:relative}
.screen{width:100%;height:100%;border-radius:36px;background:linear-gradient(170deg,#1D3760,#0F223F 60%);overflow:hidden;position:relative;padding:54px 16px 16px}
.notch{position:absolute;top:12px;left:50%;transform:translateX(-50%);width:90px;height:26px;border-radius:20px;background:#050D1A}
.clock{text-align:center;color:#fff;margin-bottom:26px}
.clock b{display:block;font-size:56px;font-weight:600;letter-spacing:-.03em;line-height:1}
.clock span{font-size:13px;color:rgba(255,255,255,.7)}
.notif{background:rgba(255,255,255,.14);backdrop-filter:blur(16px);border-radius:18px;padding:12px 13px;display:flex;gap:11px;color:#fff;margin-bottom:9px;opacity:0;transform:translateY(-14px) scale(.97)}
.notif .ic{width:36px;height:36px;border-radius:10px;flex:none;display:grid;place-items:center;font-weight:700;font-size:14px}
.notif .t{flex:1;min-width:0}
.notif .t div{display:flex;justify-content:space-between;font-size:12px;color:rgba(255,255,255,.65)}
.notif .t strong{display:block;font-size:14px;font-weight:600;margin-top:1px}
.notif .t p{margin:0;font-size:13px;color:rgba(255,255,255,.85)}
.notif .t em{font-style:normal;color:var(--em);font-weight:700}
.show-n{animation:pop .6s cubic-bezier(.2,1,.3,1.2) forwards}
@keyframes pop{to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){.notif{opacity:1;transform:none;animation:none!important}}
@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;padding:32px 0 56px;gap:48px}
  .phone-wrap{display:none}
  .stats{gap:10px;display:grid;grid-template-columns:repeat(3,1fr);margin-top:32px}
  .stats b{font-size:22px}.stats span{font-size:12px;line-height:1.35;display:block}
  .ctas{flex-direction:column}.ctas .btn{width:100%}
}

/* ---------- trust strip ---------- */
.trust{border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding-top:22px;padding-bottom:22px}
.trust div{display:flex;align-items:center;gap:12px;font-size:14px;color:var(--muted)}
.trust svg{width:22px;height:22px;flex:none;color:var(--em-d)}
.trust b{display:block;color:var(--ink);font-weight:600;font-size:15px}
@media(max-width:860px){.trust .wrap{grid-template-columns:1fr 1fr;gap:14px}.trust div{font-size:13px;gap:8px}.trust b{font-size:14px}}

/* ---------- offers ---------- */
section{padding:72px 0}
.s-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap;margin-bottom:28px}
.kicker{font-size:14px;font-weight:600;color:var(--em-d);margin-bottom:8px}
.s-head h2,.how h2,.faq h2{font-size:clamp(28px,4vw,40px);line-height:1.1;font-weight:700}
.s-head p{margin:10px 0 0;color:var(--muted);max-width:52ch}
.tabs{display:inline-flex;background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:4px;gap:2px;max-width:100%;overflow-x:auto;scrollbar-width:none}
.tabs button{border:0;background:transparent;color:var(--muted);font-weight:500;font-size:14px;padding:8px 14px;border-radius:9px;cursor:pointer;white-space:nowrap}
.tabs button[aria-pressed="true"]{background:var(--bg);color:var(--ink);box-shadow:0 1px 3px rgba(11,27,51,.12)}

.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:1000px){.grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.grid{grid-template-columns:1fr}}
.card{background:var(--bg);border:1px solid var(--line);border-radius:20px;padding:22px;display:flex;flex-direction:column;transition:border-color .2s,box-shadow .2s}
.card:hover{border-color:#CBD5E1;box-shadow:0 12px 32px -16px rgba(11,27,51,.18)}
.c-top{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:20px}
.bank{display:flex;align-items:center;gap:12px;min-width:0}
.logo-t{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;color:#fff;font-weight:700;font-size:15px;flex:none}
.bank h3{font-size:16px;font-weight:600;line-height:1.3}
.bank p{margin:0;font-size:14px;color:var(--muted)}
.badge{font-size:12px;font-weight:600;padding:4px 9px;border-radius:999px;background:var(--soft);color:var(--muted);white-space:nowrap}
.badge.w{background:var(--warn-bg);color:var(--warn)}
.amt-row{display:flex;align-items:center;justify-content:space-between;gap:10px}
.amount{font-size:44px;font-weight:700;color:var(--ink);letter-spacing:-.04em;line-height:1}
.amount small{font-size:18px;font-weight:600;color:var(--muted);letter-spacing:0;margin-left:4px}
.a-lbl{font-size:14px;color:var(--muted);margin:6px 0 18px}
.lvl{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--muted);margin-bottom:18px}
.dots{display:flex;gap:3px}.dots i{width:18px;height:5px;border-radius:3px;background:var(--line)}.dots i.on{background:var(--em-d)}
.steps{list-style:none;margin:0 0 22px;padding:18px 0 0;border-top:1px solid var(--line);display:grid;gap:11px}
.steps li{display:flex;gap:10px;font-size:15px;line-height:1.45;color:var(--text)}
.steps li svg{width:18px;height:18px;flex:none;margin-top:2px;color:var(--em-d)}
.card .btn{margin-top:auto;width:100%;background:var(--navy);color:#fff}
.card .btn:hover{background:var(--navy-3)}
@media(prefers-color-scheme:dark){:root:not([data-theme="light"]) .card .btn{background:var(--em);color:var(--em-ink)}}
.foot{display:flex;justify-content:space-between;margin-top:12px;font-size:12px;color:var(--muted)}
.foot a{color:var(--muted)}
.disc-s{font-size:13px;color:var(--muted);margin-top:22px}

/* ---------- how ---------- */
.how{background:var(--soft)}
.how h2{margin-bottom:36px}
.how ol{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:s}
.how li{counter-increment:s;position:relative}
.how li::before{content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--navy);color:var(--em);font-weight:700;margin-bottom:16px}
.how h3{font-size:17px;font-weight:600;margin-bottom:6px}
.how p{margin:0;font-size:15px;color:var(--muted)}
@media(max-width:860px){.how ol{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.how ol{grid-template-columns:1fr;gap:22px}}

/* ---------- faq ---------- */
.faq .wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px}
@media(max-width:860px){.faq .wrap{grid-template-columns:1fr;gap:20px}}
.faq p.sub{color:var(--muted);margin:12px 0 0}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 0;font-weight:600;font-size:16px;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary svg{width:20px;height:20px;flex:none;color:var(--muted);transition:transform .2s}
.faq details[open] summary svg{transform:rotate(45deg)}
.faq details p{margin:-6px 0 20px;color:var(--muted);font-size:15px;max-width:62ch}

/* ---------- cta band ---------- */
.band{background:var(--navy);border-radius:24px;padding:48px 32px;text-align:center;color:#fff;position:relative;overflow:hidden}
.band::before{content:"";position:absolute;inset:auto -20% -60% -20%;height:120%;background:radial-gradient(closest-side,rgba(52,211,153,.2),transparent)}
.band h2{color:#fff;font-size:clamp(26px,4vw,38px);font-weight:700;margin-bottom:12px;position:relative}
.band p{color:rgba(255,255,255,.7);margin:0 0 26px;position:relative}
.band .btn{position:relative}

footer{padding:48px 0 120px;font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:72px}
@media(min-width:720px){footer{padding-bottom:48px}}
footer .row{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
footer .logo{color:var(--ink)}
footer nav{display:flex;gap:22px;flex-wrap:wrap}
footer nav a{text-decoration:none}footer nav a:hover{color:var(--ink)}
footer .legal{margin:28px 0 0;font-size:13px;line-height:1.6;max-width:90ch}

/* mobile sticky cta */
.sticky{position:fixed;left:0;right:0;bottom:0;z-index:30;padding:12px 16px calc(12px + env(safe-area-inset-bottom,0px));background:color-mix(in srgb,var(--bg) 92%,transparent);backdrop-filter:blur(12px);border-top:1px solid var(--line);transition:transform .25s}
.sticky .btn{width:100%;background:var(--em);color:var(--em-ink)}
.sticky.hide{transform:translateY(120%)}
@media(min-width:720px){.sticky{display:none}}

.cookie{position:fixed;left:12px;right:12px;bottom:calc(12px + env(safe-area-inset-bottom,0px));z-index:40;max-width:420px;background:var(--bg);color:var(--text);border:1px solid var(--line);border-radius:16px;padding:18px;box-shadow:0 20px 50px -12px rgba(11,27,51,.3);font-size:14px;display:none}
.cookie.show{display:block}
.cookie p{margin:0 0 14px}
.cookie .r{display:flex;gap:8px}
.cookie button{flex:1;min-height:44px;border-radius:10px;border:1px solid var(--line);background:var(--bg);color:var(--ink);font-weight:600;cursor:pointer}
.cookie button.y{background:var(--navy);border-color:var(--navy);color:#fff}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* ---------- podstrony prawne ---------- */
.doc-top{background:var(--navy);color:#fff}
.doc{max-width:760px;margin:0 auto;padding:48px 20px 80px}
.doc h1{font-size:clamp(30px,5vw,42px);margin-bottom:8px}
.doc .upd{color:var(--muted);font-size:14px;margin:0 0 32px}
.doc h2{font-size:20px;margin:32px 0 10px}
.doc p,.doc li{font-size:16px;line-height:1.7}
.doc ul,.doc ol{padding-left:22px}
.doc a{color:var(--em-d)}