:root {
  --brown: #3f3a34;
  --brown-soft: #4b453e;
  --olive: #9ca66a;
  --olive-light: #bec694;
  --white: #fffdf7;
  --glass: rgba(156, 166, 106, 0.14);
  --line: rgba(190, 198, 148, 0.24);
  --brown-line: rgba(156, 166, 106, 0.25);
  --radius: 28px;
  --shadow: 0 20px 70px rgba(63, 58, 52, 0.18);
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
html { color-scheme: dark; }
html[data-theme="light"] { color-scheme: light; }
body { margin: 0; background: var(--brown); color: var(--white); font-family: "Segoe UI Variable Text", "Segoe UI", Arial, sans-serif; line-height: 1.55; }
body.menu-open { overflow: hidden; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { color: inherit; }
.container { width: min(1180px, calc(100% - 48px)); margin-inline: auto; }
.skip-link { position: fixed; z-index: 999; top: -100px; left: 20px; background: var(--white); color: var(--brown); padding: 12px 18px; border-radius: 12px; }
.skip-link:focus { top: 20px; }

.nav-wrap { position: fixed; z-index: 100; top: 22px; left: 0; width: 100%; pointer-events: none; }
.nav-island { position: relative; width: min(1120px, calc(100% - 36px)); min-height: 70px; margin: auto; padding: 10px 12px 10px 18px; border: 1px solid rgba(255,255,255,.3); border-radius: 22px; background: rgba(255,255,255,.08); color: var(--white); box-shadow: inset 0 1px 0 rgba(255,255,255,.16), 0 18px 50px rgba(0,0,0,.14); backdrop-filter: blur(24px) saturate(1.12); -webkit-backdrop-filter: blur(24px) saturate(1.12); display: flex; align-items: center; justify-content: space-between; gap: 24px; pointer-events: auto; transition: transform .3s ease, background .3s ease, border-color .3s ease, color .3s ease; }
.brand { display: flex; align-items: center; gap: 10px; color: inherit; }
.brand-logo { display: block; width: auto; height: 43px; flex: 0 0 auto; object-fit: contain; }
.brand-wordmark { display: inline-flex; align-items: flex-end; color: inherit; font: 700 27px/.9 "Segoe UI Variable Display", "Segoe UI", Arial, sans-serif; letter-spacing: -.065em; }
.brand-dot { width: 9px; height: 9px; flex: 0 0 auto; margin: 0 0 1px 5px; border-radius: 50%; background: var(--olive); }
.nav-links { display: flex; align-items: center; gap: 28px; font-size: 14px; }
.nav-links a { position: relative; opacity: .78; transition: opacity .2s; }
.nav-links a:hover, .nav-links a:focus-visible { opacity: 1; }
.nav-actions { display: flex; align-items: center; gap: 18px; }
.theme-toggle { position: relative; width: 36px; height: 36px; flex: 0 0 auto; border: 1px solid rgba(255,255,255,.18); border-radius: 11px; background: rgba(255,255,255,.06); color: var(--olive-light); cursor: pointer; overflow: hidden; transition: border-color .2s ease, background .2s ease; }
.theme-toggle:hover { border-color: var(--olive); background: rgba(156,166,106,.12); }
.theme-icon { position: absolute; inset: 0; display: grid; place-items: center; font-size: 18px; transition: opacity .25s ease, transform .25s ease; }
.theme-sun { opacity: 1; transform: rotate(0) scale(1); }
.theme-moon { opacity: 0; transform: rotate(-45deg) scale(.6); }
html[data-theme="light"] .theme-sun { opacity: 0; transform: rotate(45deg) scale(.6); }
html[data-theme="light"] .theme-moon { opacity: 1; transform: rotate(0) scale(1); }
.language-switch { display: flex; gap: 5px; align-items: center; font-size: 12px; opacity: .75; }
.lang { border: 0; padding: 3px; background: none; cursor: pointer; opacity: .55; }
.lang.active { opacity: 1; font-weight: 700; }
.menu-toggle { display: none; }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 54px; padding: 0 25px; border: 1px solid var(--olive); border-radius: 16px; background: var(--olive); color: var(--brown); font-weight: 700; cursor: pointer; transition: transform .2s ease, box-shadow .2s ease, background .2s ease, color .2s ease; }
.button:hover { transform: translateY(-2px); background: var(--olive-light); border-color: var(--olive-light); box-shadow: 0 10px 30px rgba(156,166,106,.2); }
.button-small { min-height: 46px; padding-inline: 19px; border-radius: 13px; font-size: 13px; }
.button-light { border-color: var(--olive); background: var(--olive); }

.hero { position: relative; min-height: 820px; height: 100svh; max-height: 980px; overflow: hidden; display: grid; place-items: center; background: var(--brown); color: var(--white); isolation: isolate; }
.hero::before { content: ""; position: absolute; z-index: 2; inset: 0; opacity: .05; background-image: radial-gradient(circle at center, var(--white) 0 1px, transparent 1.5px); background-size: 26px 26px; mask-image: linear-gradient(to right, black, transparent 64%); pointer-events: none; }
.hero::after { content: ""; position: absolute; z-index: 1; inset: 0; background: linear-gradient(90deg, rgba(63,58,52,.98) 0%, rgba(63,58,52,.93) 32%, rgba(63,58,52,.58) 57%, rgba(63,58,52,.12) 100%); pointer-events: none; }
.hero-image { position: absolute; z-index: 0; inset: 0; background: url("hero-family-home-car.png") 58% center / cover no-repeat; transform: scale(1.01); }
.insurer-marquee { position: absolute; z-index: 4; top: 108px; left: 50%; width: min(1120px, calc(100% - 36px)); min-height: 66px; padding: 9px 10px; border: 1px solid rgba(255,255,255,.14); border-radius: 19px; background: rgba(63,58,52,.1); box-shadow: 0 14px 40px rgba(24,22,20,.1); backdrop-filter: blur(10px) saturate(1.08); -webkit-backdrop-filter: blur(10px) saturate(1.08); transform: translateX(-50%); display: block; overflow: hidden; }
.insurer-viewport { min-width: 0; overflow: hidden; mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.08) 10%, rgba(0,0,0,.55) 24%, black 38%, black 62%, rgba(0,0,0,.55) 76%, rgba(0,0,0,.08) 90%, transparent 100%); -webkit-mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.08) 10%, rgba(0,0,0,.55) 24%, black 38%, black 62%, rgba(0,0,0,.55) 76%, rgba(0,0,0,.08) 90%, transparent 100%); }
.insurer-track { display: flex; width: max-content; animation: insurer-scroll 38s linear infinite; will-change: transform; }
.insurer-set { display: flex; align-items: center; gap: 12px; padding-right: 12px; }
.insurer-logo { width: 150px; height: 48px; flex: 0 0 auto; padding: 7px 16px; display: grid; place-items: center; }
.insurer-logo img { display: block; width: 112px; height: 32px; object-fit: contain; filter: brightness(1.9); }
.insurer-marquee:hover .insurer-track { animation-play-state: paused; }
@keyframes insurer-scroll { to { transform: translateX(-50%); } }
.hero-grid { position: relative; z-index: 3; display: block; padding-top: 95px; }
.hero-copy { max-width: 690px; }
.eyebrow { margin: 0 0 20px; color: var(--olive); font-size: 12px; font-weight: 700; letter-spacing: .18em; opacity: 1; }
h1, h2, h3 { font-family: "Segoe UI Variable Display", "Segoe UI", sans-serif; margin-top: 0; }
h1 { max-width: 720px; margin-bottom: 26px; font-size: clamp(52px, 6vw, 82px); line-height: .98; letter-spacing: -.055em; }
h1 em { font-family: Georgia, serif; font-weight: 400; }
.hero-lead { max-width: 610px; margin: 0 0 34px; color: rgba(255,255,255,.68); font-size: 18px; }
.hero-actions { display: flex; gap: 27px; align-items: center; }
.text-link { display: flex; gap: 12px; align-items: center; font-weight: 600; }
.text-link span:last-child { transition: transform .2s; }
.text-link:hover span:last-child { transform: translate(3px, 3px); }
.trust-line { display: flex; align-items: center; gap: 10px; margin-top: 38px; color: rgba(255,255,255,.52); font-size: 12px; }
.trust-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--olive); box-shadow: 0 0 0 5px rgba(156,166,106,.13); }

.scroll-hint { position: absolute; bottom: 30px; left: 50%; width: 28px; height: 44px; border: 1px solid rgba(255,255,255,.25); border-radius: 20px; }
.scroll-hint span { position: absolute; top: 9px; left: 50%; width: 3px; height: 7px; border-radius: 5px; background: var(--white); animation: scroll 1.8s infinite; }
@keyframes scroll { 0% { opacity: 0; transform: translate(-50%, 0); } 35% { opacity: 1; } 100% { opacity: 0; transform: translate(-50%, 15px); } }

.section { padding: 125px 0; }
.section h2 { margin-bottom: 0; font-size: clamp(38px, 4.4vw, 64px); line-height: 1.05; letter-spacing: -.045em; }
.section-heading { display: grid; grid-template-columns: 1.25fr .75fr; gap: 80px; align-items: end; margin-bottom: 58px; }
.section-heading > p { max-width: 430px; margin: 0; color: rgba(255,253,247,.62); }
.offer { background: var(--brown-soft); }
.offer-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.offer-card { position: relative; min-height: 520px; border: 1px solid var(--brown-line); border-radius: var(--radius); display: flex; flex-direction: column; transition: transform .25s ease, background .25s, color .25s, border-color .25s; overflow: hidden; }
.offer-card:hover { transform: translateY(-7px); border-color: var(--olive); background: rgba(156,166,106,.1); color: var(--white); box-shadow: var(--shadow); }
.offer-photo { position: relative; height: 245px; overflow: hidden; background: var(--brown); }
.offer-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(63,58,52,.04) 45%, rgba(63,58,52,.72) 100%); }
.offer-photo img { width: 100%; height: 100%; object-fit: cover; transition: transform .55s ease, filter .35s ease; }
.offer-card:hover .offer-photo img { transform: scale(1.045); filter: saturate(1.08); }
.card-number { position: absolute; z-index: 2; top: 20px; right: 22px; padding: 7px 9px; border: 1px solid rgba(255,255,255,.24); border-radius: 999px; background: rgba(63,58,52,.58); color: var(--white); font-size: 11px; backdrop-filter: blur(8px); }
.offer-icon { position: absolute; z-index: 2; top: 214px; left: 28px; display: grid; place-items: center; width: 58px; height: 58px; border: 1px solid rgba(156,166,106,.58); border-radius: 17px; background: var(--brown); color: var(--olive-light); box-shadow: 0 12px 28px rgba(0,0,0,.22); transition: background .25s ease, color .25s ease, transform .25s ease; }
.offer-icon svg { width: 27px; height: 27px; fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.offer-card:hover .offer-icon { background: var(--olive); color: var(--brown); transform: rotate(-3deg) scale(1.04); }
.offer-body { display: flex; flex: 1; flex-direction: column; padding: 42px 28px 28px; }
.offer-card h3 { margin: 0 0 13px; font-size: 27px; letter-spacing: -.03em; }
.offer-card p { margin: 0 0 30px; opacity: .62; }
.offer-card a { display: flex; justify-content: space-between; margin-top: auto; padding-top: 18px; border-top: 1px solid currentColor; font-size: 13px; font-weight: 700; }

.process { background: var(--brown); color: var(--white); }
.process-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 130px; }
.process-copy { position: sticky; top: 140px; align-self: start; }
.process-copy p:not(.eyebrow) { max-width: 420px; margin: 27px 0 35px; color: rgba(255,255,255,.6); }
.steps { list-style: none; margin: 0; padding: 0; }
.steps li { display: grid; grid-template-columns: 65px 1fr; gap: 20px; padding: 34px 0; border-top: 1px solid var(--line); }
.steps li:last-child { border-bottom: 1px solid var(--line); }
.steps li > span { opacity: .45; font-size: 12px; }
.steps h3 { margin: 0 0 10px; font-size: 25px; }
.steps p { margin: 0; color: rgba(255,255,255,.58); }

.about-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 100px; }
.about { background: var(--brown); }
.about-copy { padding-top: 55px; color: rgba(255,253,247,.67); font-size: 18px; }
.about-copy p { margin: 0 0 22px; }
.about-company { margin-top: 38px; padding: 25px 27px; border: 1px solid rgba(156,166,106,.3); border-radius: 20px; background: rgba(156,166,106,.07); }
.about-company .company-data { margin-bottom: 20px; }
.about-company dl { display: grid; gap: 13px; margin: 0; }
.about-company dl > div { display: grid; grid-template-columns: 70px 1fr; gap: 12px; }
.about-company dt { color: rgba(255,255,255,.43); font-size: 12px; }
.about-company dd { margin: 0; color: rgba(255,255,255,.82); font-size: 14px; line-height: 1.55; }
.about-company dd a { border-bottom: 1px solid rgba(156,166,106,.35); transition: color .2s ease, border-color .2s ease; }
.about-company dd a:hover { color: var(--olive-light); border-color: var(--olive-light); }
.signature { margin-top: 38px; color: var(--white); }
.signature .brand-logo { height: 54px; }
.signature .brand-wordmark { font-size: 34px; }
.signature .brand-dot { width: 11px; height: 11px; margin-left: 6px; }

.contact { padding-top: 30px; background: var(--brown-soft); }
.contact-shell { padding: 70px; border: 1px solid rgba(156,166,106,.35); border-radius: 36px; background: var(--brown); color: var(--white); display: grid; grid-template-columns: .85fr 1.15fr; gap: 90px; box-shadow: var(--shadow); }
.contact-copy h2 { font-size: clamp(40px, 4vw, 58px); }
.contact-copy > p:not(.eyebrow) { color: rgba(255,255,255,.62); }
.call-action { margin-top: 36px; }
.call-button { display: flex; align-items: center; gap: 14px; width: 100%; min-height: 72px; padding: 0 22px; border: 1px solid var(--olive); border-radius: 20px; background: var(--olive); color: var(--brown); font-weight: 750; transition: transform .2s ease, background .2s ease, box-shadow .2s ease; }
.call-button svg { width: 25px; height: 25px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.call-button span:nth-child(2) { font-size: 17px; }
.call-button span:last-child { margin-left: auto; font-size: 22px; transition: transform .2s ease; }
.call-button:hover { transform: translateY(-2px); background: var(--olive-light); box-shadow: 0 14px 36px rgba(156,166,106,.2); }
.call-button:hover span:last-child { transform: translateX(4px); }
.call-number { margin: 13px 0 0; padding: 15px 18px; border: 1px solid rgba(156,166,106,.32); border-radius: 15px; background: rgba(156,166,106,.08); color: rgba(255,255,255,.6); font-size: 12px; animation: call-number-in .25s ease both; }
.call-number[hidden] { display: none; }
.call-number strong { display: block; margin-top: 3px; color: var(--white); font-size: 25px; letter-spacing: .02em; }
@keyframes call-number-in { from { opacity: 0; transform: translateY(-5px); } to { opacity: 1; transform: translateY(0); } }
.contact-details { margin-top: 24px; }
.company-data { display: flex; flex-direction: column; gap: 3px; margin-bottom: 28px; }
.company-data strong { color: var(--olive-light); font: 700 21px "Segoe UI Variable Display", "Segoe UI", sans-serif; letter-spacing: .04em; }
.company-data span { color: rgba(255,255,255,.56); font-size: 13px; }
.contact-details dl { margin: 0; display: grid; gap: 15px; }
.contact-details dl > div { display: grid; grid-template-columns: 70px 1fr; gap: 12px; }
.contact-details dt { color: rgba(255,255,255,.43); font-size: 12px; }
.contact-details dd { margin: 0; color: rgba(255,255,255,.84); font-size: 14px; }
.contact-details dd a { border-bottom: 1px solid rgba(156,166,106,.35); transition: color .2s ease, border-color .2s ease; }
.contact-details dd a:hover { color: var(--olive-light); border-color: var(--olive-light); }
.contact-form { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-honeypot { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.form-heading { grid-column: 1 / -1; margin: 0 0 4px; color: var(--olive-light); font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.contact-form label { display: flex; flex-direction: column; gap: 8px; font-size: 12px; color: rgba(255,255,255,.65); }
.contact-form label:nth-child(4), .contact-form label:nth-child(5), .form-privacy-note, .consent, .contact-form button, .form-status { grid-column: 1 / -1; }
.contact-form input, .contact-form select, .contact-form textarea { width: 100%; border: 0; border-bottom: 1px solid rgba(255,255,255,.3); border-radius: 0; outline: none; padding: 10px 0 12px; background: transparent; color: var(--white); }
.contact-form select option { background: var(--brown); }
.contact-form textarea { resize: vertical; }
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus { border-color: var(--olive-light); }
.contact-form .consent { flex-direction: row; align-items: flex-start; gap: 10px; line-height: 1.4; }
.consent input { width: 16px; flex: 0 0 auto; accent-color: var(--olive); }
.consent a { color: var(--olive-light); text-decoration: underline; text-underline-offset: 3px; }
.form-privacy-note { margin: -4px 0 0; color: rgba(255,255,255,.48); font-size: 11px; }
.contact-form button { justify-self: start; }
.contact-form button:disabled { opacity: .62; cursor: wait; transform: none; }
.form-status { min-height: 22px; margin: 0; font-size: 13px; }

footer { padding: 42px 0; background: var(--brown-soft); border-top: 1px solid rgba(156,166,106,.16); }
.footer-grid { display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.footer-brand .brand-wordmark { font-size: 23px; }
.footer-brand .brand-logo { height: 38px; }
.footer-brand .brand-dot { width: 8px; height: 8px; margin-left: 4px; }
footer p, .footer-links { font-size: 12px; opacity: .58; }
.footer-links { display: flex; gap: 20px; }
.footer-link-button { border: 0; padding: 0; background: none; color: inherit; cursor: pointer; }
.footer-links a:hover, .footer-link-button:hover { color: var(--olive-light); }
.powered-wrap { display: flex; justify-content: center; margin: 32px auto -14px; width: min(1180px, calc(100% - 48px)); }
.powered-badge { display: inline-flex; align-items: center; gap: 6px; padding: 5px 2px; color: rgba(255,255,255,.48); font-size: 10px; transition: color .2s ease, transform .2s ease; }
.powered-badge:hover { color: var(--white); transform: translateY(-1px); }
.powered-badge:focus-visible { outline: 1px solid var(--olive-light); outline-offset: 5px; border-radius: 3px; }
.powered-brand-icon { display: grid; place-items: center; width: 21px; height: 21px; color: currentColor; }
.powered-brand-icon svg { display: block; width: 19px; height: 19px; overflow: visible; }
.powered-badge strong { color: inherit; font-size: 11px; font-weight: 650; letter-spacing: -.015em; }
.powered-dot { color: var(--olive-light); }
.powered-separator { opacity: .35; }
.powered-tagline { opacity: .68; }

.cookie-panel { position: fixed; z-index: 300; right: 24px; bottom: 24px; width: min(620px, calc(100% - 48px)); padding: 25px; border: 1px solid rgba(190,198,148,.38); border-radius: 24px; background: rgba(63,58,52,.96); color: var(--white); box-shadow: 0 24px 80px rgba(0,0,0,.35); backdrop-filter: blur(20px); display: flex; align-items: flex-end; gap: 28px; }
.cookie-panel[hidden] { display: none; }
.cookie-copy { flex: 1; }
.cookie-copy .eyebrow { margin-bottom: 8px; }
.cookie-copy h2 { margin-bottom: 8px; font-size: 21px; letter-spacing: -.025em; }
.cookie-copy > p:not(.eyebrow) { margin: 0 0 10px; color: rgba(255,255,255,.65); font-size: 13px; }
.cookie-copy a { color: var(--olive-light); font-size: 12px; text-decoration: underline; text-underline-offset: 3px; }
.cookie-confirm { flex: 0 0 auto; min-height: 46px; }

/* Jasny wariant zachowuje tę samą taupe-oliwkową identyfikację. */
html[data-theme="light"] body { background: var(--white); color: var(--brown); }
html[data-theme="light"] .nav-island { border-color: rgba(63,58,52,.14); background: rgba(255,255,255,.22); color: var(--brown); box-shadow: inset 0 1px 0 rgba(255,255,255,.75), 0 18px 50px rgba(0,0,0,.08); }
html[data-theme="light"] .theme-toggle { border-color: rgba(63,58,52,.18); background: rgba(255,255,255,.12); color: #626a3f; }
html[data-theme="light"] .theme-toggle:hover { border-color: var(--olive); background: rgba(255,255,255,.28); }
html[data-theme="light"] .hero { background: var(--white); color: var(--brown); }
html[data-theme="light"] .hero::before { opacity: .06; background-image: radial-gradient(circle at center, var(--brown) 0 1px, transparent 1.5px); }
html[data-theme="light"] .hero::after { background: linear-gradient(90deg, rgba(255,253,247,.99) 0%, rgba(255,253,247,.94) 35%, rgba(255,253,247,.6) 61%, rgba(255,253,247,.12) 100%); }
html[data-theme="light"] .insurer-marquee { border-color: rgba(63,58,52,.12); background: rgba(63,58,52,.07); box-shadow: 0 14px 40px rgba(63,58,52,.08); }
html[data-theme="light"] .insurer-logo img { filter: none; }
html[data-theme="light"] .hero-lead { color: rgba(63,58,52,.68); }
html[data-theme="light"] .trust-line { color: rgba(63,58,52,.58); }
html[data-theme="light"] .scroll-hint { border-color: rgba(63,58,52,.27); }
html[data-theme="light"] .scroll-hint span { background: var(--brown); }
html[data-theme="light"] .offer { background: rgba(156,166,106,.13); }
html[data-theme="light"] .section-heading > p { color: rgba(63,58,52,.64); }
html[data-theme="light"] .offer-icon { color: var(--olive); background: rgba(156,166,106,.12); }
html[data-theme="light"] .offer-card:hover .offer-icon { color: var(--brown); background: var(--olive); }
html[data-theme="light"] .offer-card:hover { background: var(--brown); color: var(--white); }
html[data-theme="light"] .process { background: var(--white); color: var(--brown); }
html[data-theme="light"] .process-copy p:not(.eyebrow),
html[data-theme="light"] .steps p { color: rgba(63,58,52,.64); }
html[data-theme="light"] .steps li { border-color: rgba(63,58,52,.18); }
html[data-theme="light"] .steps li:last-child { border-bottom-color: rgba(63,58,52,.18); }
html[data-theme="light"] .about { background: var(--white); }
html[data-theme="light"] .about-copy { color: rgba(63,58,52,.69); }
html[data-theme="light"] .about-company { background: rgba(156,166,106,.1); border-color: rgba(63,58,52,.16); }
html[data-theme="light"] .about-company dt { color: rgba(63,58,52,.5); }
html[data-theme="light"] .about-company dd { color: rgba(63,58,52,.84); }
html[data-theme="light"] .about-company .company-data span { color: rgba(63,58,52,.6); }
html[data-theme="light"] .signature { color: var(--brown); }
html[data-theme="light"] .contact { background: rgba(156,166,106,.13); }
html[data-theme="light"] footer { background: rgba(156,166,106,.13); color: var(--brown); border-top-color: rgba(63,58,52,.12); }
html[data-theme="light"] .powered-badge { color: rgba(63,58,52,.58); }
html[data-theme="light"] .powered-badge:hover { color: var(--brown); }
html[data-theme="light"] .cookie-panel { background: rgba(255,253,247,.97); color: var(--brown); border-color: rgba(63,58,52,.18); box-shadow: 0 24px 80px rgba(63,58,52,.22); }
html[data-theme="light"] .cookie-copy > p:not(.eyebrow) { color: rgba(63,58,52,.68); }
html[data-theme="light"] .cookie-copy a { color: #626a3f; }

.reveal { opacity: 0; transform: translateY(25px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: none; }

@media (max-width: 960px) {
  .menu-toggle { order: 3; display: flex; width: 44px; height: 44px; padding: 0; border: 1px solid rgba(255,255,255,.2); border-radius: 13px; background: transparent; flex-direction: column; align-items: center; justify-content: center; gap: 6px; cursor: pointer; }
  .menu-toggle span { width: 17px; height: 1px; background: currentColor; transition: transform .2s ease; }
  .menu-toggle[aria-expanded="true"] span:first-child { transform: translateY(3.5px) rotate(45deg); }
  .menu-toggle[aria-expanded="true"] span:last-child { transform: translateY(-3.5px) rotate(-45deg); }
  .nav-links { position: absolute; top: calc(100% + 10px); right: 0; width: min(300px, calc(100vw - 36px)); padding: 12px; border: 1px solid rgba(255,255,255,.28); border-radius: 18px; background: rgba(255,255,255,.1); box-shadow: inset 0 1px 0 rgba(255,255,255,.14), 0 18px 50px rgba(0,0,0,.16); backdrop-filter: blur(24px) saturate(1.12); -webkit-backdrop-filter: blur(24px) saturate(1.12); display: grid; gap: 3px; opacity: 0; transform: translateY(-8px); pointer-events: none; transition: opacity .2s ease, transform .2s ease; }
  html[data-theme="light"] .nav-links { border-color: rgba(63,58,52,.14); background: rgba(255,255,255,.3); box-shadow: inset 0 1px 0 rgba(255,255,255,.72), 0 18px 50px rgba(0,0,0,.09); }
  .nav-links.open { opacity: 1; transform: none; pointer-events: auto; }
  .nav-links a { display: block; padding: 12px 14px; border-radius: 10px; }
  .nav-links a:hover { background: rgba(255,255,255,.08); }
  .hero { min-height: 900px; height: auto; }
  .hero-grid { padding-block: 180px 110px; }
  .hero-copy { text-align: left; }
  .hero-image { background-position: 66% center; }
  .hero::after { background: linear-gradient(90deg, rgba(63,58,52,.97) 0%, rgba(63,58,52,.88) 55%, rgba(63,58,52,.38) 100%); }
  html[data-theme="light"] .hero::after { background: linear-gradient(90deg, rgba(255,253,247,.98) 0%, rgba(255,253,247,.9) 55%, rgba(255,253,247,.42) 100%); }
  .section-heading, .process-grid, .about-grid, .contact-shell { grid-template-columns: 1fr; gap: 55px; }
  .offer-grid { grid-template-columns: 1fr 1fr; }
  .offer-card { grid-column: auto; }
  .process-copy { position: static; }
}

@media (max-width: 680px) {
  .container { width: min(100% - 30px, 1180px); }
  .nav-wrap { top: 12px; }
  .nav-island { width: calc(100% - 20px); min-height: 62px; padding: 8px 9px 8px 14px; border-radius: 18px; gap: 10px; }
  .nav-island .brand-wordmark { font-size: 23px; }
  .nav-island .brand-logo { height: 38px; }
  .nav-island .brand-dot { width: 8px; height: 8px; margin-left: 4px; }
  .nav-actions { gap: 9px; }
  .nav-actions .button-small { display: none; }
  .theme-toggle { width: 34px; height: 34px; }
  .menu-toggle { width: 42px; height: 42px; }
  .button-small { min-height: 42px; padding-inline: 12px; font-size: 11px; }
  .language-switch { font-size: 11px; }
  .hero { min-height: 820px; }
  .insurer-marquee { top: 88px; width: calc(100% - 20px); min-height: 58px; padding: 7px; border-radius: 16px; display: block; }
  .insurer-logo { width: 132px; height: 44px; padding: 7px 14px; border-radius: 10px; }
  .insurer-logo img { width: 98px; height: 28px; }
  .insurer-track { animation-duration: 32s; }
  .hero-grid { padding-block: 140px 85px; }
  .hero-image { background-position: 73% center; }
  .hero::after { background: rgba(63,58,52,.78); }
  html[data-theme="light"] .hero::after { background: rgba(255,253,247,.78); }
  h1 { font-size: clamp(44px, 14vw, 64px); }
  .hero-lead { font-size: 16px; }
  .hero-actions { flex-direction: column; }
  .trust-line { margin-top: 28px; }
  .section { padding: 90px 0; }
  .section-heading { gap: 25px; margin-bottom: 38px; }
  .offer-grid { grid-template-columns: 1fr; }
  .offer-card { grid-column: auto; min-height: 500px; }
  .process-grid { gap: 45px; }
  .about-copy { padding-top: 0; }
  .contact { padding-top: 15px; }
  .contact-shell { width: calc(100% - 20px); padding: 42px 24px; border-radius: 27px; gap: 45px; }
  .contact-form { grid-template-columns: 1fr; }
  .contact-form label { grid-column: 1; }
  .footer-grid { flex-direction: column; text-align: center; }
  .cookie-panel { right: 10px; bottom: 10px; width: calc(100% - 20px); padding: 20px; border-radius: 20px; align-items: stretch; flex-direction: column; gap: 18px; }
  .cookie-confirm { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
  .insurer-track { animation: none !important; transform: none !important; }
}

/* Polityka prywatności */
.policy-page { background: var(--brown); }
.policy-nav { max-width: 900px; }
.policy-back { color: rgba(255,255,255,.7); font-size: 13px; }
.policy-back:hover { color: var(--olive-light); }
.policy-main { width: min(900px, calc(100% - 40px)); margin: 0 auto; padding: 160px 0 110px; }
.policy-document[hidden] { display: none; }
.policy-hero { padding: 65px 0 75px; border-bottom: 1px solid rgba(156,166,106,.28); }
.policy-hero h1 { max-width: none; margin-bottom: 24px; font-size: clamp(48px, 8vw, 86px); }
.policy-lead { max-width: 680px; margin: 0; color: rgba(255,255,255,.65); font-size: 19px; }
.policy-date { margin: 26px 0 0; color: var(--olive-light); font-size: 12px; }
.policy-document > section { padding: 55px 0; border-bottom: 1px solid rgba(156,166,106,.18); }
.policy-document > section h2 { margin-bottom: 22px; color: var(--olive-light); font-size: 28px; letter-spacing: -.025em; }
.policy-document > section p, .policy-document > section li { color: rgba(255,255,255,.73); }
.policy-document > section p { margin: 0 0 17px; }
.policy-document > section p:last-child { margin-bottom: 0; }
.policy-document ul { margin: 0; padding-left: 22px; }
.policy-document li { margin-bottom: 9px; }
.policy-document a { color: var(--olive-light); text-decoration: underline; text-underline-offset: 3px; }
.policy-table-wrap { margin: 26px 0; overflow-x: auto; border: 1px solid rgba(156,166,106,.23); border-radius: 18px; }
.policy-document table { width: 100%; border-collapse: collapse; min-width: 620px; }
.policy-document th, .policy-document td { padding: 17px 20px; border-bottom: 1px solid rgba(156,166,106,.16); text-align: left; vertical-align: top; }
.policy-document th { color: var(--olive-light); font-size: 12px; letter-spacing: .05em; text-transform: uppercase; }
.policy-document td { color: rgba(255,255,255,.7); font-size: 14px; }
.policy-document tbody tr:last-child td { border-bottom: 0; }
.policy-document code { color: var(--olive-light); }
.policy-cookie-button { margin-top: 10px; border: 1px solid var(--olive); border-radius: 12px; padding: 11px 16px; background: transparent; color: var(--olive-light); cursor: pointer; }
.policy-cookie-button:hover { background: rgba(156,166,106,.12); }

html[data-theme="light"] .policy-page { background: var(--white); color: var(--brown); }
html[data-theme="light"] .policy-hero { border-bottom-color: rgba(63,58,52,.16); }
html[data-theme="light"] .policy-lead, html[data-theme="light"] .policy-document > section p, html[data-theme="light"] .policy-document > section li { color: rgba(63,58,52,.72); }
html[data-theme="light"] .policy-document > section { border-bottom-color: rgba(63,58,52,.14); }
html[data-theme="light"] .policy-document > section h2, html[data-theme="light"] .policy-document a, html[data-theme="light"] .policy-document th, html[data-theme="light"] .policy-document code { color: #626a3f; }
html[data-theme="light"] .policy-table-wrap { border-color: rgba(63,58,52,.17); }
html[data-theme="light"] .policy-document th, html[data-theme="light"] .policy-document td { border-bottom-color: rgba(63,58,52,.12); }
html[data-theme="light"] .policy-document td { color: rgba(63,58,52,.72); }
html[data-theme="light"] .policy-date { color: #626a3f; }
html[data-theme="light"] .policy-cookie-button { color: #626a3f; }

@media (max-width: 680px) {
  .policy-back span { display: none; }
  .policy-main { width: min(100% - 30px, 900px); padding-top: 115px; }
  .policy-hero { padding: 50px 0 55px; }
  .policy-document > section { padding: 42px 0; }
  .policy-document > section h2 { font-size: 24px; }
}