:root {
  --navy: #171f63;
  --navy-dark: #0c123a;
  --blue: #2949bb;
  --cyan: #21b0be;
  --green: #229b85;
  --yellow: #f4be23;
  --ink: #171c2f;
  --muted: #667089;
  --line: #e4e8f1;
  --soft: #f6f8fc;
  --soft-blue: #eaf1f9;
  --white: #fff;
  --shadow: 0 18px 46px rgba(20, 28, 70, 0.1);
  --radius: 8px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--soft);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 16px;
  line-height: 1.45;
}

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

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

.container {
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}

.nav {
  min-height: 88px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 36px;
}

.brand {
  display: flex;
  align-items: center;
  flex: 0 0 auto;
}

.brand img {
  width: 238px;
  height: auto;
}

.nav-links,
.footer-links {
  display: flex;
  align-items: center;
  gap: 34px;
  font-weight: 700;
  color: var(--navy);
}

.nav-links {
  margin-left: auto;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 14px;
}

.btn {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 1px solid transparent;
  border-radius: 999px;
  padding: 0 24px;
  font-weight: 800;
  line-height: 1;
  white-space: nowrap;
}

.btn-primary {
  background: var(--yellow);
  color: var(--navy-dark);
}

.btn-secondary {
  background: var(--white);
  color: var(--navy);
  border-color: var(--line);
}

.btn-dark {
  background: var(--navy);
  color: var(--white);
}

.hero,
.page-hero {
  position: relative;
  overflow: hidden;
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(9, 17, 57, 0.94) 0%, rgba(9, 17, 57, 0.84) 42%, rgba(9, 17, 57, 0.3) 100%),
    url("../logo/tarcza.jpg") center 30% / cover;
}

.hero {
  min-height: 720px;
}

.hero::after,
.page-hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 170px;
  background: linear-gradient(180deg, transparent, rgba(9, 17, 57, 0.5));
}

.hero-inner,
.page-hero-inner {
  position: relative;
  z-index: 1;
}

.hero-inner {
  min-height: 720px;
  display: grid;
  grid-template-columns: minmax(0, 670px) minmax(340px, 1fr);
  align-items: center;
  gap: 60px;
  padding: 74px 0 86px;
}

.page-hero-inner {
  max-width: 860px;
  padding: 94px 0 108px;
}

.eyebrow {
  margin: 0 0 24px;
  color: #d6e5ff;
  font-size: 20px;
  font-weight: 800;
}

.hero h1,
.page-hero h1 {
  margin: 0;
  max-width: 720px;
  font-size: clamp(48px, 6vw, 86px);
  line-height: 0.98;
  letter-spacing: 0;
}

.page-hero h1 {
  font-size: clamp(42px, 5vw, 68px);
}

.hero-copy,
.page-hero p {
  max-width: 650px;
  margin: 30px 0 0;
  color: #edf4ff;
  font-size: 24px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 38px;
}

.stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-top: 64px;
  max-width: 620px;
}

.stat {
  padding: 18px 0 0;
  border-top: 1px solid rgba(255, 255, 255, 0.24);
}

.stat strong {
  display: block;
  font-size: 38px;
  line-height: 1;
}

.stat span {
  display: block;
  margin-top: 8px;
  color: #d6e5ff;
}

.hero-panel {
  align-self: end;
  margin-bottom: 28px;
  padding: 28px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(8px);
}

.hero-panel-title {
  margin: 0 0 18px;
  font-size: 22px;
  font-weight: 800;
}

.mini-list {
  display: grid;
  gap: 12px;
}

.mini-row {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 18px;
  padding: 14px 16px;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.15);
}

.mini-row span {
  color: #d6e5ff;
  font-size: 14px;
}

.section {
  padding: 88px 0;
}

.section-muted {
  background: var(--soft-blue);
}

.section-header {
  max-width: 840px;
  margin-bottom: 42px;
}

.section-header h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(34px, 4vw, 50px);
  line-height: 1.08;
  letter-spacing: 0;
}

.section-header p {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 21px;
}

.offer-grid,
.cards-grid,
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}

.offer-card,
.info-card,
.process-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: 0 12px 28px rgba(20, 28, 70, 0.06);
}

.offer-card {
  min-height: 128px;
  display: grid;
  grid-template-columns: 58px 1fr;
  align-items: center;
  gap: 22px;
  padding: 28px 30px;
}

.info-card,
.process-card {
  padding: 32px;
}

.mark {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border-radius: var(--radius);
  background: var(--cyan);
}

.mark img {
  width: 30px;
  filter: brightness(0) invert(1);
}

.offer-card h3,
.info-card h3,
.process-card h3 {
  margin: 0;
  color: var(--ink);
  font-size: 24px;
  line-height: 1.15;
}

.offer-card p,
.info-card p,
.process-card p {
  margin: 10px 0 0;
  color: var(--muted);
}

.info-card ul {
  margin: 18px 0 0;
  padding-left: 20px;
  color: var(--muted);
}

.info-card li + li {
  margin-top: 8px;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 34px;
}

.trust-number {
  color: #b6c6e5;
  font-size: 52px;
  font-weight: 800;
  line-height: 1;
}

.trust-item h3 {
  margin: 20px 0 10px;
  color: var(--navy);
  font-size: 26px;
}

.trust-item p {
  margin: 0;
  color: var(--muted);
  font-size: 18px;
}

.panel-layout,
.split {
  display: grid;
  grid-template-columns: minmax(0, 1.9fr) minmax(280px, 0.9fr);
  gap: 34px;
  align-items: stretch;
}

.policy-card,
.agent-card,
.cta-card,
.review-card,
.form-card {
  border-radius: var(--radius);
}

.policy-card,
.form-card {
  padding: 42px;
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}

.policy-head h3 {
  margin: 0;
  color: var(--navy);
  font-size: 30px;
}

.policy-head p {
  margin: 6px 0 0;
  color: var(--muted);
}

.filters {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 28px 0 32px;
}

.filter {
  min-height: 42px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 22px;
  border-radius: 999px;
  background: #f1f4fa;
  color: var(--navy);
  font-weight: 800;
  line-height: 1;
}

.filter-active {
  background: var(--navy);
  color: var(--white);
}

.policy-table {
  display: grid;
  border-top: 1px solid var(--line);
}

.policy-row {
  min-height: 70px;
  display: grid;
  grid-template-columns: 170px 1fr 128px 90px;
  align-items: center;
  gap: 22px;
  border-bottom: 1px solid #eef1f6;
}

.policy-number {
  color: var(--muted);
  font-size: 14px;
  font-weight: 800;
}

.policy-name {
  font-weight: 800;
}

.badge {
  min-height: 34px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 0 16px;
  font-size: 14px;
  font-weight: 800;
}

.badge-ok {
  background: #e8f8f1;
  color: #168d61;
}

.badge-warn {
  background: #ffecef;
  color: #c53c4b;
}

.days {
  color: var(--navy);
  font-weight: 800;
  text-align: right;
}

.agent-card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 38px;
  padding: 42px;
  color: var(--white);
  background: var(--navy);
  box-shadow: var(--shadow);
}

.agent-card h3 {
  margin: 0 0 14px;
  font-size: 30px;
}

.agent-name {
  margin: 0 0 12px;
  color: #e8efff;
  font-size: 24px;
  font-weight: 800;
}

.agent-card p {
  margin: 0;
  color: #f4f7ff;
  font-size: 19px;
}

.bottom-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 34px;
}

.cta-card,
.review-card {
  min-height: 240px;
  padding: 42px;
  border: 1px solid var(--line);
  background: #f7faff;
}

.review-card {
  border-color: #f1d990;
  background: #fffaf0;
}

.cta-card h2,
.review-card h2 {
  margin: 0;
  color: var(--navy);
  font-size: 34px;
}

.review-score {
  margin: 16px 0 10px;
  color: var(--navy);
  font-size: 38px;
  font-weight: 800;
}

.cta-card p,
.review-card p {
  margin: 14px 0 26px;
  max-width: 540px;
  color: var(--muted);
  font-size: 19px;
}

.review-card p {
  color: var(--ink);
  font-weight: 700;
}

.form-grid {
  display: grid;
  gap: 18px;
}

.field {
  display: grid;
  gap: 8px;
}

.field label {
  color: var(--navy);
  font-weight: 800;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  min-height: 52px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0 16px;
  color: var(--ink);
  background: #fff;
  font: inherit;
}

.field textarea {
  min-height: 130px;
  padding-top: 14px;
  resize: vertical;
}

.notice {
  padding: 20px 22px;
  border: 1px solid #f1d990;
  border-radius: var(--radius);
  color: var(--navy);
  background: #fffaf0;
  font-weight: 700;
}

.footer {
  padding: 48px 0;
  background: var(--white);
  border-top: 1px solid var(--line);
}

.footer-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 30px;
  align-items: center;
  color: var(--muted);
}

.footer-logo {
  width: 220px;
}

.footer-meta {
  display: grid;
  gap: 16px;
}

@media (max-width: 980px) {
  .nav {
    min-height: auto;
    padding: 18px 0;
    align-items: flex-start;
  }

  .brand img {
    width: 190px;
  }

  .nav-links {
    display: none;
  }

  .hero,
  .hero-inner {
    min-height: auto;
  }

  .hero-inner,
  .panel-layout,
  .split {
    grid-template-columns: 1fr;
  }

  .hero-inner {
    padding: 64px 0;
  }

  .hero-panel {
    margin: 0;
  }

  .offer-grid,
  .trust-grid,
  .cards-grid,
  .process-grid,
  .bottom-grid {
    grid-template-columns: 1fr;
  }

  .policy-row {
    grid-template-columns: 1fr;
    gap: 8px;
    padding: 18px 0;
  }

  .days {
    text-align: left;
  }

  .footer-inner {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .container {
    width: min(100% - 32px, 1180px);
  }

  .nav-actions .btn-secondary {
    display: none;
  }

  .hero h1 {
    font-size: 48px;
  }

  .hero-copy,
  .page-hero p {
    font-size: 20px;
  }

  .stats {
    grid-template-columns: 1fr;
  }

  .offer-card,
  .policy-card,
  .agent-card,
  .cta-card,
  .review-card,
  .info-card,
  .process-card,
  .form-card {
    padding: 28px;
  }

  .offer-card {
    grid-template-columns: 52px 1fr;
  }

  .footer-links {
    align-items: flex-start;
    flex-direction: column;
    gap: 12px;
  }
}