/* EMFinance — projekt 2026. Wszystkie style lokalne, bez zewnętrznych frameworków. */
:root {
  --ink: #18212b;
  --ink-2: #273440;
  --ink-soft: #46525c;
  --muted: #626e77;
  --red: #df3b47;
  --red-dark: #ac2632;
  --red-soft: #fbecef;
  --paper: #ffffff;
  --soft: #f7f7f5;
  --cream: #f5f2ed;
  --border: #e5e8eb;
  --focus: #b42236;
  --radius: 18px;
  --shadow: 0 20px 55px rgba(25, 35, 43, .09);
  --container: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 94px; }
body { margin: 0; min-width: 280px; color: var(--ink); background: var(--paper); font-family: system-ui, -apple-system, 'Segoe UI', Roboto, Arial, sans-serif; line-height: 1.64; font-size: 16px; text-rendering: optimizeLegibility; }
img, svg { max-width: 100%; }
img { display: block; }
a { color: inherit; text-decoration: none; }
button, input, textarea, select { font: inherit; }
button { cursor: pointer; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 4px; }
::selection { background: #fde0e3; color: #4d1820; }
[hidden] { display: none !important; }
.container { width: min(var(--container), calc(100% - 48px)); margin-inline: auto; }
.skip-link { position: fixed; z-index: 99999; top: -100px; left: 16px; background: var(--ink); color: white; padding: 11px 16px; border-radius: 8px; }
.skip-link:focus { top: 12px; }
.eyebrow { text-transform: uppercase; font-weight: 800; letter-spacing: .15em; color: var(--red-dark); font-size: .77rem; }
h1,h2,h3,h4,p { margin-top: 0; }
h1,h2,h3 { letter-spacing: -.033em; line-height: 1.18; }
h1 { font-size: clamp(2.6rem, 5.3vw, 5.1rem); font-weight: 780; }
h2 { font-size: clamp(2.05rem, 3.65vw, 3.25rem); font-weight: 760; }
h3 { font-size: 1.3rem; }
.lead { font-size: clamp(1.02rem, 1.6vw, 1.16rem); color: #4e5b64; max-width: 59ch; }
.section { padding: clamp(72px, 8vw, 112px) 0; }
.section-heading { max-width: 710px; margin: 0 auto 43px; text-align: center; }
.section-heading h2 { margin: 10px 0 17px; }
.section-heading p { color: var(--muted); margin-bottom: 0; }
.section-heading.left { margin-left: 0; text-align: left; }
.section-heading.left h2 { max-width: 560px; }
.inline-link { color: var(--red-dark); font-weight: 750; text-decoration: underline; text-underline-offset: 4px; }
.inline-link:hover { color: #771a24; }

/* Navigation */
.site-header { position: sticky; top: 0; z-index: 200; background: rgba(255,255,255,.98); border-bottom: 1px solid var(--border); box-shadow: 0 8px 30px rgba(16,25,33,.03); }
.header-inner { display: flex; align-items: center; min-height: 91px; gap: 30px; }
.brand { display: inline-flex; flex: 0 0 auto; align-items: center; }
.brand img { width: 211px; height: auto; }
.site-nav { display: flex; align-items: center; justify-content: flex-end; gap: 24px; flex: 1; }
.site-nav a { color: #29323b; font-size: .86rem; font-weight: 720; white-space: nowrap; transition: color .18s ease; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--red-dark); }
.site-nav .nav-cta { padding: 12px 17px; color: white; border-radius: 8px; background: var(--red-dark); }
.site-nav .nav-cta:hover { color: white; background: #84202a; }
.menu-button { display: none; background: white; border: 1px solid #d8dce0; border-radius: 10px; padding: 11px; margin-left: auto; line-height: 0; color: var(--ink); }
.menu-button svg { width: 23px; height: 23px; }

/* Buttons */
.button { display: inline-flex; justify-content: center; align-items: center; gap: 10px; border-radius: 10px; min-height: 51px; padding: 12px 21px; font-weight: 750; border: 2px solid transparent; font-size: .94rem; transition: transform .17s, background .17s, border-color .17s, color .17s; }
.button:hover { transform: translateY(-2px); }
.button-primary { background: var(--red-dark); color: #fff; border-color: var(--red-dark); }
.button-primary:hover { color: #fff; background: #83202a; border-color: #83202a; }
.button-outline { background: transparent; border-color: #cdd3d7; color: var(--ink); }
.button-outline:hover { border-color: var(--red-dark); color: var(--red-dark); }
.button-light { color: var(--ink); background: white; border-color: white; }
.button-light:hover { color: var(--red-dark); }
.button svg { width: 18px; height: 18px; }

/* Hero */
.hero { position: relative; overflow: hidden; background: linear-gradient(115deg,#fff 0%, #fff 47%, #f7f4ef 100%); }
.hero:before { content: ''; position: absolute; height: 550px; width: 550px; border-radius: 50%; border: 1px solid #ece8e4; top: -370px; left: -250px; pointer-events: none; }
.hero-grid { display: grid; grid-template-columns: minmax(0,1.04fr) minmax(0,.96fr); gap: clamp(35px,5vw,65px); align-items: center; padding-top: clamp(62px, 8vw, 107px); padding-bottom: clamp(65px, 8vw, 108px); }
.hero h1 { margin: 15px 0 22px; max-width: 690px; }
.hero h1 span { color: var(--red-dark); }
.hero .lead { margin-bottom: 29px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 32px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 9px 20px; font-size: .83rem; color: #3d4b54; font-weight: 670; }
.hero-points span { display: inline-flex; align-items: center; gap: 8px; }
.hero-points svg { width: 16px; height: 16px; color: var(--red-dark); }
.visual { position: relative; border-radius: 26px; background: radial-gradient(circle at 80% 16%,rgba(236,76,86,.29),transparent 34%),linear-gradient(145deg,#263440,#111b26); color: white; min-height: 464px; box-shadow: 0 40px 65px rgba(27,32,41,.17); overflow: hidden; padding: 34px; }
.visual:after { content:''; position: absolute; right: -55px; bottom: -140px; width: 330px; height: 330px; border: 1px solid rgba(255,255,255,.10); border-radius: 50%; box-shadow: 0 0 0 48px rgba(255,255,255,.027),0 0 0 100px rgba(255,255,255,.021); }
.visual-top { display: flex; justify-content: space-between; align-items: center; gap: 12px; position: relative; z-index: 1; }
.visual-top small { display: block; text-transform: uppercase; letter-spacing: .17em; font-size: .68rem; color: #c8d1d8; font-weight: 800; }
.visual-chip { font-size: .74rem; color: #ffeff0; background: rgba(240,75,93,.23); border: 1px solid rgba(240,75,93,.38); padding: 7px 11px; border-radius: 30px; }
.visual h2 { position: relative; z-index: 1; margin: 34px 0 12px; font-size: clamp(1.8rem, 3vw, 2.45rem); line-height: 1.2; max-width: 360px; color: white; }
.visual > p { position: relative; z-index: 1; max-width: 390px; color: #cbd5dd; font-size: .96rem; }
.visual-stack { position: relative; z-index: 1; display: grid; gap: 12px; margin-top: 32px; }
.visual-row { display: flex; align-items: center; gap: 14px; border: 1px solid rgba(255,255,255,.12); border-radius: 13px; background: rgba(255,255,255,.07); padding: 13px 16px; backdrop-filter: blur(8px); }
.visual-row .step-number { display: grid; place-items: center; background: rgba(243,68,83,.18); color: #ffa7b0; border: 1px solid rgba(243,68,83,.3); border-radius: 9px; height: 39px; width: 39px; font-weight: 850; flex-shrink: 0; }
.visual-row strong { display: block; font-size: .9rem; line-height: 1.3; }
.visual-row small { display: block; color: #c5d0d8; line-height: 1.5; }
.trust-strip { border-top: 1px solid #eee9e4; border-bottom: 1px solid #eee9e4; background: #fff; }
.trust-row { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); }
.trust-item { display: flex; align-items: center; gap: 17px; padding: 24px 18px; }
.trust-item + .trust-item { border-left: 1px solid #ebe6e0; }
.trust-icon { display: grid; place-items: center; height: 47px; width: 47px; background: var(--red-soft); color: var(--red-dark); border-radius: 12px; flex: 0 0 47px; }
.trust-icon svg { width: 22px; height: 22px; }
.trust-item strong { display: block; font-size: .96rem; line-height: 1.27; }
.trust-item span { display: block; color: #606c74; font-size: .84rem; }

/* About */
.about-grid { display: grid; grid-template-columns: minmax(0,1fr) minmax(0,.86fr); gap: clamp(38px,6vw,100px); align-items: center; }
.about-text p { color: var(--ink-soft); margin-bottom: 18px; }
.about-text .section-heading { margin-bottom: 25px; }
.about-facts { display: grid; gap: 16px; }
.fact { display: grid; grid-template-columns: 47px minmax(0,1fr); gap: 16px; padding: 22px 23px; border-radius: 13px; border: 1px solid var(--border); background: white; }
.fact:first-child { border-left: 4px solid var(--red-dark); }
.fact-icon { color: var(--red-dark); background: var(--red-soft); width: 44px; height: 44px; display: grid; place-items: center; border-radius: 11px; }
.fact-icon svg { width: 23px; height: 23px; }
.fact h3 { font-size: 1.05rem; margin: 1px 0 7px; }
.fact p { font-size: .9rem; color: #5e6972; margin: 0; }

/* Offer */
.soft-section { background: var(--soft); }
.card-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 20px; }
.service-card { background: white; border: 1px solid #e7e9ea; border-radius: 18px; padding: clamp(24px,2.7vw,34px); display: flex; flex-direction: column; min-width: 0; transition: box-shadow .2s ease, transform .2s ease; }
.service-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.service-icon { color: var(--red-dark); display: grid; place-items: center; background: var(--red-soft); border-radius: 13px; width: 55px; height: 55px; margin-bottom: 26px; }
.service-icon svg { width: 27px; height: 27px; }
.service-card h3 { font-size: 1.37rem; margin-bottom: 10px; }
.service-card > p { color: var(--ink-soft); font-size: .94rem; margin-bottom: 15px; }
.check-list { padding: 0; margin: 0 0 20px; list-style: none; }
.check-list li { display: flex; gap: 10px; color: #46535c; font-size: .91rem; padding: 7px 0; line-height: 1.5; }
.check-list li::before { content: '✓'; color: var(--red-dark); font-weight: 900; flex-shrink: 0; }
.service-card .card-link { color: var(--red-dark); font-weight: 750; font-size: .92rem; margin-top: auto; }
.service-card .card-link:hover { text-decoration: underline; text-underline-offset: 4px; }

/* Steps */
.steps-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 30px; }
.step { position: relative; padding: 9px 20px 3px 0; }
.step:not(:last-child):after { content: ''; position: absolute; top: 33px; left: 70px; right: 8px; border-top: 1px dashed #dbafb2; }
.step-index { display: grid; place-items: center; background: var(--red-soft); border-radius: 50%; height: 62px; width: 62px; color: var(--red-dark); font-size: 1.25rem; font-weight: 850; margin-bottom: 24px; }
.step h3 { font-size: 1.22rem; margin-bottom: 10px; }
.step p { color: #56636c; font-size: .95rem; }

/* Pricing */
.pricing-section { background: #f8f7f4; }
.price-layout { display: grid; grid-template-columns: minmax(0,1.18fr) minmax(0,.82fr); gap: 22px; align-items: start; }
.price-card { background: white; border: 1px solid #e7e8e7; border-radius: 18px; overflow: hidden; box-shadow: 0 14px 38px rgba(29,38,46,.04); }
.price-card-title { background: var(--ink); color: white; padding: 20px 25px; }
.price-card-title h3 { color: white; margin: 0 0 3px; font-size: 1.12rem; }
.price-card-title p { color: #cbd1d6; font-size: .85rem; margin: 0; }
.price-list { list-style: none; padding: 0 25px; margin: 0; }
.price-list li { display: flex; align-items: center; justify-content: space-between; padding: 21px 0; border-bottom: 1px solid var(--border); gap: 20px; }
.price-list li:last-child { border-bottom: none; }
.price-list .price-label { font-size: .93rem; line-height: 1.4; color: #303d47; }
.price-list .price-value { color: var(--red-dark); font-weight: 850; font-size: 1.05rem; white-space: nowrap; text-align: right; }
.pricing-footnote { font-size: .84rem; color: #596671; line-height: 1.7; margin: 22px auto 0; max-width: 970px; }
.pricing-cta { display: flex; justify-content: center; margin-top: 26px; }

/* News */
.news-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 20px; }
.news-card { background: #fff; border-radius: 15px; border: 1px solid #e2e6e9; overflow: hidden; min-width: 0; }
.news-line { height: 5px; background: linear-gradient(90deg,var(--red-dark),#e97d86); }
.news-body { padding: 28px; }
.news-date { color: var(--red-dark); font-size: .75rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; margin: 0 0 17px; }
.news-card h3 { font-size: 1.17rem; margin-bottom: 13px; overflow-wrap: anywhere; }
.news-card p:not(.news-date) { font-size: .92rem; color: #58646d; margin-bottom: 0; overflow-wrap: anywhere; white-space: pre-line; }
.news-note { color: #68737a; margin-top: 19px; text-align: center; font-size: .79rem; }

/* FAQ */
.faq-grid { display: grid; grid-template-columns: minmax(0,.7fr) minmax(0,1.3fr); gap: 70px; }
.faq-grid .section-heading { margin-bottom: 16px; }
.faq-items { border-top: 1px solid var(--border); }
.faq-items details { border-bottom: 1px solid var(--border); padding: 21px 0; }
.faq-items summary { cursor: pointer; font-weight: 760; font-size: 1rem; display: flex; justify-content: space-between; gap: 15px; list-style: none; }
.faq-items summary::-webkit-details-marker { display: none; }
.faq-items summary::after { content: '+'; color: var(--red-dark); font-weight: 700; font-size: 1.4rem; line-height: 1; }
.faq-items details[open] summary::after { content: '−'; }
.faq-items p { margin: 13px 25px 0 0; color: #52616b; font-size: .93rem; }

/* Contact */
.contact-section { background: var(--ink); color: white; }
.contact-section .eyebrow { color: #ffadb2; }
.contact-section h2 { color: white; }
.contact-layout { display: grid; grid-template-columns: minmax(0,.85fr) minmax(0,1.15fr); gap: clamp(35px,6vw,80px); align-items: start; }
.contact-intro { color: #c5d0d8; max-width: 435px; margin-bottom: 27px; }
.contact-line { display: flex; gap: 16px; margin: 22px 0; align-items: start; }
.contact-line svg { color: #ffa6ae; width: 22px; height: 22px; flex: 0 0 22px; margin-top: 3px; }
.contact-line small { display: block; color: #b3bec7; margin-bottom: 4px; font-size: .79rem; text-transform: uppercase; font-weight: 760; letter-spacing: .07em; }
.contact-line strong, .contact-line a { color: #fff; font-size: .96rem; font-weight: 650; overflow-wrap: anywhere; }
.contact-line a:hover { text-decoration: underline; }
.contact-social { margin-top: 25px; color: white; }
.contact-social a { color: #fff; text-decoration: underline; text-underline-offset: 4px; }
.contact-form { background: #fff; color: var(--ink); border-radius: 18px; padding: clamp(24px,3.8vw,41px); }
.contact-form h3 { font-size: 1.36rem; margin-bottom: 7px; }
.form-intro { color: #657079; font-size: .88rem; margin-bottom: 25px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 15px; }
.field { margin-bottom: 18px; }
.field label { display: block; color: #26323c; font-weight: 720; font-size: .87rem; margin-bottom: 7px; }
.field input, .field textarea, .field select { display: block; width: 100%; border: 1px solid #bac4cc; background: white; border-radius: 8px; min-height: 45px; padding: 11px 13px; font-size: .92rem; color: #1e2c35; transition: border-color .15s,box-shadow .15s; }
.field textarea { min-height: 119px; resize: vertical; }
.field input:focus, .field textarea:focus, .field select:focus { outline: none; border-color: var(--red-dark); box-shadow: 0 0 0 3px #eebac0; }
.field .help { color: #5c6971; font-size: .78rem; margin: 7px 0 0; }
.form-consent { display: flex; align-items: flex-start; gap: 11px; font-size: .79rem; color: #495861; line-height: 1.55; margin-bottom: 18px; }
.form-consent input { flex: 0 0 18px; width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--red-dark); }
.form-consent a { text-decoration: underline; text-underline-offset: 3px; color: var(--red-dark); }
.form-submit { width: 100%; }
.form-submit[disabled] { opacity: .7; cursor: wait; }
.form-status { margin: 15px 0 0; padding: 12px 15px; font-size: .9rem; border-radius: 8px; }
.form-status.success { background: #e8f5ec; color: #184f2a; }
.form-status.error { background: #fff0f1; color: #922232; }
.honeypot { position: absolute !important; width: 1px !important; height: 1px !important; overflow: hidden; clip-path: inset(50%); white-space: nowrap; }
.map-card { border: 1px solid rgba(255,255,255,.20); border-radius: 16px; background: #253340; margin-top: 50px; padding: clamp(23px,4vw,37px); display: flex; gap: 35px; justify-content: space-between; align-items: center; }
.map-card h3 { color: white; margin: 0 0 6px; }
.map-card p { color: #c8d1d8; font-size: .89rem; max-width: 640px; margin: 0; }
.map-actions { display: flex; gap: 10px; flex-wrap: wrap; flex-shrink: 0; }
.map-actions .button { min-height: 44px; font-size: .84rem; padding: 10px 15px; }
.map-frame { width: 100%; height: 390px; border: 0; border-radius: 12px; margin-top: 23px; background: #eef0f1; }

/* Footer */
.site-footer { background: #101821; color: #b9c2c9; padding: 43px 0 25px; }
.footer-top { display: flex; justify-content: space-between; align-items: start; gap: 28px; padding-bottom: 27px; }
.footer-name { color: white; font-size: 1.2rem; font-weight: 760; margin-bottom: 5px; }
.footer-top p { margin: 0; font-size: .85rem; }
.footer-links { display: flex; flex-wrap: wrap; gap: 14px 24px; font-size: .86rem; }
.footer-links a:hover { color: #fff; text-decoration: underline; }
.footer-bottom { border-top: 1px solid #293441; padding-top: 22px; display: flex; justify-content: space-between; gap: 14px; flex-wrap: wrap; font-size: .78rem; }

/* Pages */
.page-hero { background: linear-gradient(120deg,#f8f6f3,#fff); padding: 70px 0 66px; border-bottom: 1px solid var(--border); }
.breadcrumb { display: flex; flex-wrap: wrap; gap: 8px; color: #637078; font-size: .84rem; margin-bottom: 17px; }
.breadcrumb a { text-decoration: underline; text-underline-offset: 3px; }
.page-hero h1 { font-size: clamp(2.1rem,4.5vw,3.8rem); margin: 10px 0 14px; }
.page-hero p { max-width: 760px; color: #52616c; margin-bottom: 0; }
.prose-layout { display: grid; grid-template-columns: minmax(0,240px) minmax(0,1fr); gap: 64px; padding-top: 70px; padding-bottom: 100px; }
.prose-nav { position: sticky; top: 120px; align-self: start; padding: 25px 23px; border-radius: 12px; background: #f7f6f3; }
.prose-nav h2 { font-size: .94rem; margin-bottom: 14px; }
.prose-nav ul { padding: 0; margin: 0; list-style: none; }
.prose-nav li + li { margin-top: 12px; }
.prose-nav a { color: #47545d; font-size: .85rem; }
.prose-nav a:hover { color: var(--red-dark); text-decoration: underline; }
.prose { min-width: 0; color: #3c4a54; }
.prose h2 { color: var(--ink); font-size: 1.6rem; margin: 0 0 17px; scroll-margin-top: 115px; }
.prose h2:not(:first-child) { margin-top: 45px; padding-top: 33px; border-top: 1px solid #e7e9ec; }
.prose h3 { color: var(--ink); font-size: 1.13rem; margin: 24px 0 10px; }
.prose p,.prose li { line-height: 1.79; font-size: .94rem; }
.prose p { margin: 0 0 16px; }
.prose ul { padding-left: 22px; margin: 0 0 18px; }
.prose li { margin-bottom: 9px; }
.prose a:not(.button) { color: var(--red-dark); text-decoration: underline; text-underline-offset: 3px; overflow-wrap: anywhere; }
.prose .last-updated { border-left: 3px solid var(--red-dark); padding-left: 15px; color: #5e6c75; font-size: .85rem; margin-bottom: 25px; }
.prose .note { border-radius: 10px; background: #f7f6f3; padding: 17px 22px; font-size: .88rem; }
.cert-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 20px; margin-top: 34px; }
.cert-card { border: 1px solid var(--border); background: #fff; border-radius: 18px; padding: 28px; display: flex; flex-direction: column; }
.cert-number { color: var(--red-dark); font-size: .81rem; font-weight: 800; letter-spacing: .07em; margin-bottom: 28px; }
.cert-card h2 { font-size: 1.24rem; margin-bottom: 14px; }
.cert-card p { color: #57646d; font-size: .91rem; }
.cert-card .button { margin-top: auto; font-size: .85rem; }
.certificate-note { margin: 32px 0 0; color: #58656f; font-size: .9rem; }

@media (max-width: 1120px) {
  .header-inner { gap: 16px; }
  .brand img { width: 188px; }
  .site-nav { gap: 15px; }
  .site-nav a { font-size: .81rem; }
  .site-nav .nav-cta { padding: 11px 12px; }
  .hero-grid { gap: 34px; }
}
@media (max-width: 920px) {
  .site-header .header-inner { min-height: 77px; position: relative; }
  .menu-button { display: inline-flex; align-items: center; justify-content: center; }
  .site-nav { display: none; position: absolute; top: calc(100% + 1px); left: -24px; right: -24px; background: #fff; padding: 18px 24px 24px; border-bottom: 1px solid var(--border); box-shadow: 0 16px 23px rgba(18,29,35,.10); flex-direction: column; align-items: stretch; gap: 0; }
  .site-nav.is-open { display: flex; }
  .site-nav a { display: block; padding: 13px 8px; font-size: .96rem; }
  .site-nav .nav-cta { margin-top: 10px; text-align: center; }
  .hero-grid { grid-template-columns: 1fr; padding-top: 67px; }
  .hero-copy { max-width: 780px; }
  .hero h1 { max-width: 780px; }
  .visual { min-height: auto; }
  .visual h2 { max-width: none; }
  .visual-stack { grid-template-columns: repeat(3,minmax(0,1fr)); }
  .visual-row { align-items: flex-start; padding: 12px; }
  .visual-row .step-number { height: 34px; width: 34px; flex: 0 0 34px; }
  .about-grid { gap: 36px; }
  .card-grid,.news-grid,.cert-grid { gap: 14px; }
  .service-card { padding: 25px 20px; }
  .contact-layout { gap: 35px; }
  .map-card { align-items: flex-start; flex-direction: column; }
}
@media (max-width: 700px) {
  html { scroll-padding-top: 80px; }
  .container { width: min(var(--container),calc(100% - 36px)); }
  .header-inner { min-height: 73px; }
  .brand img { width: 188px; }
  .site-nav { left: -18px; right: -18px; }
  .section { padding: 70px 0; }
  .section-heading { margin-bottom: 30px; }
  .hero-grid { padding-top: 54px; padding-bottom: 68px; }
  .hero h1 { font-size: clamp(2.45rem,10vw,3.6rem); }
  .hero-actions .button { flex: 1 1 190px; }
  .visual { padding: 24px; border-radius: 19px; }
  .visual h2 { margin-top: 24px; }
  .visual-stack { grid-template-columns: 1fr; }
  .trust-row { grid-template-columns: 1fr; }
  .trust-item { padding: 16px 8px; }
  .trust-item + .trust-item { border-left: 0; border-top: 1px solid #ebe6e0; }
  .about-grid,.price-layout,.faq-grid,.contact-layout { grid-template-columns: 1fr; gap: 28px; }
  .card-grid,.news-grid,.steps-grid,.cert-grid { grid-template-columns: 1fr; gap: 17px; }
  .steps-grid { gap: 20px; }
  .step:not(:last-child):after { display: none; }
  .step { padding: 0; }
  .step-index { margin-bottom: 16px; }
  .price-list li { gap: 12px; }
  .contact-section .section-heading { margin-bottom: 22px; }
  .map-card { margin-top: 34px; }
  .footer-top,.footer-bottom { flex-direction: column; }
  .prose-layout { display: block; padding-top: 41px; padding-bottom: 68px; }
  .prose-nav { position: static; margin-bottom: 43px; }
  .page-hero { padding: 52px 0 47px; }
}
@media (max-width: 390px) {
  body { font-size: 15px; }
  .brand img { width: 173px; }
  .hero-grid { padding-top: 43px; }
  .visual { padding: 20px; }
  .hero-points { flex-direction: column; gap: 10px; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .price-list { padding-inline: 16px; }
  .price-list li { align-items: flex-start; flex-direction: column; gap: 4px; padding: 17px 0; }
  .price-list .price-value { text-align: left; white-space: normal; }
  .contact-form { padding: 21px; }
  .map-actions { width: 100%; }
  .map-actions .button { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}
.notice { color: #fff; background: #a72430; text-align: center; padding: 10px 0; font-size: .9rem; font-weight: 700; }
.notice .container { overflow-wrap: anywhere; }

/* Rzeczywiste zdjęcie biura, dostarczone przez EMFinance */
.hero-photo { margin: 0; position: relative; min-height: 485px; height: 100%; max-height: 620px; overflow: hidden; border-radius: 24px; background: #e9e6df; box-shadow: 0 35px 65px rgba(24,33,43,.16); }
.hero-photo > img { width: 100%; height: 100%; min-height: 485px; object-fit: cover; object-position: 56% 47%; }
.hero-photo::after { content: ''; position: absolute; inset: 45% 0 0; background: linear-gradient(transparent,rgba(15,26,36,.88)); pointer-events: none; }
.hero-photo figcaption { position: absolute; z-index: 1; bottom: 28px; left: 30px; right: 22px; display: grid; gap: 5px; color: #fff; }
.hero-photo figcaption strong { color: #fff; font-size: clamp(1.35rem,2.4vw,1.85rem); line-height: 1.16; }
.hero-photo figcaption small { color: #e4e9e9; font-size: .89rem; }
.photo-caption-tag { width: max-content; max-width: 100%; padding: 7px 10px; font-size: .73rem; font-weight: 760; letter-spacing: .04em; color: #fff; background: #a72430; border-radius: 5px; margin-bottom: 6px; }
.form-privacy { font-size: .79rem; line-height: 1.6; color: #475660; padding: 13px 15px; background: #f5f6f7; border-left: 3px solid #a72430; border-radius: 4px; margin-bottom: 20px; }
.form-privacy a { color: #9e2230; font-weight: 750; text-decoration: underline; text-underline-offset: 3px; }
.button-map-link { color: #fff; border-color: #73818c; }
.button-map-link:hover { color: #fff; border-color: white; }
.cert-preview-section { background: #f6f5f2; }
.cert-teasers { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 18px; }
.cert-teaser { background: #fff; border: 1px solid #e2e4e6; border-radius: 16px; padding: 28px; min-height: 205px; display: flex; flex-direction: column; transition: box-shadow .2s,transform .2s; }
.cert-teaser:hover { box-shadow: 0 12px 35px rgba(20,30,40,.09); transform: translateY(-3px); }
.cert-teaser-mark { text-transform: uppercase; letter-spacing: .08em; font-size: .74rem; color: #a72430; font-weight: 850; margin-bottom: 23px; }
.cert-teaser strong { font-size: 1.19rem; line-height: 1.25; margin-bottom: 9px; }
.cert-teaser span:last-child { font-size: .86rem; color: #5f6971; line-height: 1.6; }
.section-center-action { text-align: center; margin-top: 32px; }
.updates-tools { border: 1px solid #dce2e6; background: #f9fafb; border-radius: 12px; padding: 16px 22px; margin-top: 24px; text-align: center; }
.updates-tools p { font-size: .85rem; color: #47545d; margin-bottom: 11px; }
.updates-live { color: #27623a; font-size: .82rem; text-align: center; margin-top: 20px; }
.cert-document-card { background: white; border: 1px solid var(--border); border-radius: 18px; overflow: hidden; display: flex; flex-direction: column; }
.cert-document-image { display: block; background: #f5f5f3; padding: 18px; aspect-ratio: 1.14; overflow: hidden; }
.cert-document-image img { width: 100%; height: 100%; object-fit: contain; }
.cert-document-content { padding: 22px 25px 27px; flex: 1; display: flex; flex-direction: column; }
.cert-document-content h2 { font-size: 1.19rem; line-height: 1.25; margin-bottom: 10px; }
.cert-document-content p { font-size: .87rem; color: #53616a; margin: 0 0 14px; }
.cert-document-content .inline-link { margin-top: auto; font-size: .85rem; }
.certificate-disclaimer { color: #5f6b74; margin-top: 25px; font-size: .9rem; }
@media(max-width:920px) { .hero-photo { min-height: 420px; max-height: 520px; } .hero-photo>img { min-height: 420px; } }
@media(max-width:700px) { .hero-photo { min-height: 310px; height: 360px; border-radius: 17px; } .hero-photo>img { min-height: 310px; } .hero-photo figcaption { left: 20px; bottom: 19px; } .cert-teasers { grid-template-columns: 1fr; } .cert-teaser { min-height: 0; padding: 22px; } .cert-teaser-mark { margin-bottom: 13px; } }

/* Google Maps: opinie klientów, zawsze pochodzące z prawdziwej wizytówki. */
.reviews-section { background: #fff; border-top: 1px solid var(--border); }
.reviews-layout { display: grid; grid-template-columns: minmax(0,1.03fr) minmax(0,.97fr); gap: 20px; align-items: stretch; }
.reviews-primary { min-width: 0; border-radius: 22px; padding: clamp(28px,4vw,48px); background: #17242f; color: #fff; box-shadow: 0 20px 45px rgba(23,36,47,.13); }
.reviews-brand { display: flex; align-items: center; gap: 11px; font-size: .89rem; color: #e5ebf0; font-weight: 600; margin-bottom: 28px; }
.reviews-brand strong { color: white; font-weight: 760; }
.google-pin { width: 32px; height: 32px; flex: 0 0 32px; }
.reviews-primary h3 { color: white; font-size: clamp(1.5rem,2.4vw,2.05rem); max-width: 15ch; margin-bottom: 16px; }
.reviews-description { color: #cbd6df; max-width: 48ch; margin-bottom: 29px; font-size: .98rem; }
.reviews-actions { display: flex; flex-wrap: wrap; align-items: stretch; gap: 11px; }
.reviews-primary .button { font-size: .86rem; min-height: 48px; padding: 10px 16px; }
.reviews-primary .button-outline { color: white; border-color: #6d7e8e; }
.reviews-primary .button-outline:hover { color: white; border-color: white; }
.reviews-privacy { color: #c0ccd4; margin: 25px 0 0; font-size: .77rem; line-height: 1.7; }
.reviews-score { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 15px; margin: 10px 0 28px; }
.reviews-score > strong { font-size: 2rem; font-weight: 850; letter-spacing: -.02em; line-height: 1; }
.reviews-score > span:last-child { color: #d7e1e8; font-size: .91rem; }
.reviews-stars { color: #ffd666; font-size: 1.3rem; letter-spacing: .12em; white-space: nowrap; }
.reviews-secondary { min-width: 0; }
.reviews-illustration { height: 100%; display: flex; flex-direction: column; justify-content: center; background: #f7f7f5; border: 1px solid #e7e9eb; border-radius: 22px; padding: clamp(28px,4vw,43px); }
.reviews-quote-art { color: #b72f3a; line-height: .6; height: 72px; font-size: 8rem; font-family: Georgia,serif; user-select: none; }
.reviews-illustration > p:first-of-type { font-size: clamp(1.05rem,1.6vw,1.23rem); max-width: 33ch; line-height: 1.6; color: #25323d; }
.reviews-illustration > p:first-of-type strong { display: block; color: #19242d; font-size: 1.1em; }
.reviews-divider { background: #d9dce0; height: 1px; margin: 11px 0 23px; }
.reviews-note { color: #53616b; font-size: .86rem; line-height: 1.7; margin-bottom: 20px; }
.reviews-load { align-self: flex-start; min-height: 45px; font-size: .86rem; background: white; }
.reviews-load-status { margin: 13px 0 0; font-size: .82rem; color: #495761; line-height: 1.6; }
.reviews-list { display: grid; gap: 14px; }
.review-card { border: 1px solid #e3e7ea; background: #fff; border-radius: 16px; padding: 22px 24px; box-shadow: 0 8px 25px rgba(20,30,40,.045); }
.review-card-top { display: flex; align-items: center; gap: 11px; margin-bottom: 12px; }
.review-author-photo { width: 42px; height: 42px; flex: 0 0 42px; border-radius: 50%; background: #e9ecef; object-fit: cover; }
.review-author-initial { width: 42px; height: 42px; flex: 0 0 42px; border-radius: 50%; background: #f8e9ec; display: grid; place-items: center; font-weight: 850; color: #8f2430; }
.review-author-name { display: block; font-weight: 780; font-size: .92rem; line-height: 1.25; }
.review-author-name:hover { text-decoration: underline; }
.review-time { color: #626e78; display: block; font-size: .78rem; }
.review-stars { color: #9c5d0b; letter-spacing: .085em; font-size: .98rem; margin-bottom: 9px; }
.review-content { color: #33434f; font-size: .9rem; line-height: 1.72; overflow-wrap: anywhere; margin-bottom: 12px; }
.review-source { color: #8c2530; font-size: .82rem; text-decoration: underline; text-underline-offset: 4px; font-weight: 700; }
.reviews-order { font-size: .78rem; color: #57646f; line-height: 1.6; margin: 15px 3px 0; }
.review-map-frame { width: 100%; height: 350px; border: 0; border-radius: 13px; margin-top: 20px; }
@media (max-width: 1120px) and (min-width: 921px) {
  .site-nav { gap: 11px; }
  .site-nav a { font-size: .76rem; }
  .brand img { width: 174px; }
  .site-nav .nav-cta { padding: 10px 9px; }
}
@media (max-width: 960px) {
  .reviews-layout { grid-template-columns: 1fr; }
  .reviews-primary h3 { max-width: none; }
  .reviews-illustration { min-height: 300px; }
}
@media (max-width: 700px) {
  .reviews-primary, .reviews-illustration { border-radius: 17px; padding: 26px 23px; }
  .reviews-actions .button { width: 100%; }
  .review-card { padding: 20px; }
}
.reviews-attributions { color: #55636d; font-size: .78rem; margin: 12px 3px; }
.reviews-attributions a { color: #952531; font-weight: 650; text-decoration: underline; }


/* 2026-11-14: poziomy pasek prawdziwych opinii z Google Maps na stronie głównej. */
.google-ticker-section { padding: clamp(46px, 5.6vw, 72px) 0; background: linear-gradient(180deg,#f9f7f4 0%,#fff 100%); border-bottom: 1px solid var(--border); overflow: hidden; }
.google-ticker-header { display: flex; justify-content: space-between; align-items: end; gap: 30px; margin-bottom: 25px; }
.google-ticker-header h2 { font-size: clamp(1.7rem, 2.65vw, 2.55rem); margin: 9px 0 6px; }
.google-ticker-header p { color: #53616e; font-size: .93rem; margin: 0; }
.google-ticker-all { color: var(--red-dark); font-size: .9rem; font-weight: 780; flex: 0 0 auto; text-decoration: underline; text-underline-offset: 4px; white-space: nowrap; }
.google-ticker-all:hover, .google-ticker-original:hover { color: #7c1923; }
.google-ticker-panel { border-radius: 20px; border: 1px solid #ebe8e5; background: rgba(255,255,255,.88); box-shadow: 0 20px 42px rgba(30,36,43,.04); padding: 20px 0 15px; }
.google-ticker-fallback { display: flex; align-items: center; gap: 22px; min-height: 128px; padding: 12px 30px 19px; }
.google-ticker-fallback-icon { font-family: Georgia,serif; line-height: .85; font-size: 5.3rem; color: var(--red-dark); align-self: flex-start; }
.google-ticker-fallback strong { color: var(--ink); font-weight: 770; font-size: 1.1rem; }
.google-ticker-fallback p { color: #5c6872; font-size: .88rem; line-height: 1.65; max-width: 68ch; margin: 5px 0 0; }
.google-ticker-fallback-link { display: inline-flex; align-items: center; justify-content: center; margin-left: auto; font-weight: 750; border: 1px solid #b6bec4; padding: 10px 17px; border-radius: 10px; font-size: .88rem; white-space: nowrap; }
.google-ticker-fallback-link:hover { color: var(--red-dark); border-color: var(--red-dark); }
.google-ticker-marquee { --ticker-gap: 18px; width: 100%; max-width: 100%; overflow: hidden; padding: 8px 0 12px; mask-image: linear-gradient(to right, transparent 0%, #000 3%, #000 97%, transparent 100%); -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 3%, #000 97%, transparent 100%); }
.google-ticker-track { --google-ticker-duration: 45s; display: flex; width: max-content; gap: var(--ticker-gap); align-items: stretch; animation: emf-google-ticker var(--google-ticker-duration) linear infinite; }
.google-ticker-cycle { display: flex; flex: 0 0 auto; gap: var(--ticker-gap); align-items: stretch; }
.google-ticker-marquee.is-paused .google-ticker-track, .google-ticker-marquee:hover .google-ticker-track, .google-ticker-marquee:focus-within .google-ticker-track { animation-play-state: paused; }
@keyframes emf-google-ticker { from { transform: translateX(0); } to { transform: translateX(calc(-50% - var(--ticker-gap) / 2)); } }
.google-ticker-card { display: flex; flex-direction: column; flex: 0 0 auto; width: 354px; max-width: calc(100vw - 84px); min-height: 237px; background: #fff; border: 1px solid #e5e6e7; border-radius: 16px; padding: 20px 21px 17px; box-shadow: 0 8px 22px rgba(26,38,45,.055); }
.google-ticker-card-head { display: flex; gap: 10px; align-items: center; }
.google-ticker-avatar, .google-ticker-initial { width: 38px; height: 38px; border-radius: 50%; object-fit: cover; flex: 0 0 38px; }
.google-ticker-initial { display: grid; place-items: center; color: var(--red-dark); background: var(--red-soft); font-weight: 800; }
.google-ticker-person { display: flex; flex: 1; min-width: 0; flex-direction: column; }
.google-ticker-author { display: block; font-size: .87rem; font-weight: 790; color: #26343d; line-height: 1.27; overflow: hidden; white-space: nowrap; text-overflow: ellipsis; }
.google-ticker-age { font-size: .75rem; color: #67747d; }
.google-ticker-google { font-size: .72rem; color: #6e7b83; font-weight: 740; letter-spacing: -.02em; flex: 0 0 auto; }
.google-ticker-stars { color: #aa6209; font-size: 1.11rem; line-height: 1.5; letter-spacing: .13em; margin: 10px 0 7px; }
.google-ticker-quote { color: #36464f; font-size: .88rem; line-height: 1.62; margin: 0 0 10px; display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; overflow-wrap: anywhere; }
.google-ticker-original { display: inline-block; margin-top: auto; font-size: .78rem; color: var(--red-dark); font-weight: 790; align-self: flex-start; text-decoration: underline; text-underline-offset: 3px; }
.google-ticker-footer { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 7px 25px 0; flex-wrap: wrap; }
.google-ticker-source { color: #5b6770; font-size: .76rem; line-height: 1.65; }
.google-ticker-source a { color: #26333c; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.google-ticker-pause { color: #35444d; background: white; border: 1px solid #c9ced3; border-radius: 8px; padding: 7px 12px; font-size: .76rem; font-weight: 740; }
.google-ticker-pause:hover { border-color: var(--red-dark); color: var(--red-dark); }
.google-ticker-extra-attributions { margin: 8px 25px; color: #596671; font-size: .76rem; }
.google-ticker-extra-attributions a { color: #8c2631; text-decoration: underline; }
@media (max-width: 790px) {
  .google-ticker-header { align-items: flex-start; flex-direction: column; gap: 14px; }
  .google-ticker-all { white-space: normal; }
  .google-ticker-fallback { flex-wrap: wrap; gap: 13px; padding: 10px 20px 18px; }
  .google-ticker-fallback-icon { font-size: 3rem; }
  .google-ticker-fallback > div:nth-child(2) { flex-basis: calc(100% - 65px); }
  .google-ticker-fallback-link { margin-left: 0; }
  .google-ticker-footer { padding-inline: 18px; }
  .google-ticker-marquee { mask-image: linear-gradient(to right, transparent 0%, #000 4%, #000 96%, transparent 100%); }
  .google-ticker-card { width: min(330px, calc(100vw - 78px)); min-height: 241px; padding: 17px 18px; }
}
@media (prefers-reduced-motion: reduce) {
  .google-ticker-marquee { overflow-x: auto; scrollbar-width: thin; mask-image: none; -webkit-mask-image: none; }
  .google-ticker-track { animation: none !important; }
  .google-ticker-cycle[aria-hidden="true"] { display: none; }
  .google-ticker-pause { display: none; }
}

/* Google Maps text attribution: normal weight, no translation, legible at 12px+ */
.google-ticker-google, .google-maps-attribution { font-family: Roboto, Arial, sans-serif; font-size: .8rem; font-weight: 400; color: #5e5e5e; font-style: normal; white-space: nowrap; letter-spacing: normal; }
.google-ticker-source .google-maps-attribution { font-size: .8rem; }

/* Całą ruchomą kartę można kliknąć, bez zagnieżdżonych odnośników. */
.google-ticker-card { color: inherit; text-decoration: none; cursor: pointer; }
.google-ticker-card:hover { border-color: #a82430; box-shadow: 0 11px 27px rgba(33,39,48,.12); }
.google-ticker-card:focus-visible { outline: 3px solid #ad2632; outline-offset: 3px; }
.google-ticker-card:visited { color: inherit; }

/* Elementy sterowane skryptami muszą faktycznie znikać także przy wyświetlaniu flex/grid. */
[hidden] { display: none !important; }
.saved-review-card { display: flex; flex-direction: column; text-decoration: none; color: inherit; transition: box-shadow .2s,border-color .2s; }
.saved-review-card:hover { border-color: #b52b38; box-shadow: 0 8px 22px rgba(26,38,45,.09); }
.saved-review-card:focus-visible { outline: 3px solid #af2633; outline-offset: 3px; }