:root{--bg:#f6f4ef;--paper:#fff;--ink:#151d26;--mut:#54606e;--line:#e3ded5;--ac:#3d5a80;--acd:#2b4360;--tint:#eaeef4;--tint2:#d9e2ec;--dark:#16202b;--darkln:#2b3947;--darkmut:#9aa7b5;--warnbg:#faf2e3;--warnln:#ecd9b6;--warnink:#8a5a12;--calmbg:#edf3ee;--calmln:#cfe0d3;--calmink:#2f5d3f}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:400 16px/1.7 Commissioner,"Segoe UI",system-ui,sans-serif;text-wrap:pretty}
@media (prefers-reduced-motion:reduce){*{transition:none!important}html{scroll-behavior:auto}}
img{max-width:100%}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.prose{max-width:748px}
h1,h2,h3{font-family:"Red Hat Display",Commissioner,system-ui,sans-serif;font-weight:700;line-height:1.18;letter-spacing:-.015em;margin:0 0 .5em}
h1{font-size:clamp(1.9rem,4.2vw,2.6rem)}
h2{font-size:clamp(1.35rem,2.7vw,1.85rem);margin-top:1.5em}
h3{font-size:1.1rem;margin-top:1.3em;font-weight:600}
p{margin:0 0 1em}
a{color:var(--acd)}
a:hover{color:var(--ac)}
:focus-visible{outline:3px solid var(--ac);outline-offset:2px;border-radius:3px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 16px;z-index:99;border:1px solid var(--line)}
.skip:focus{left:8px;top:8px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.btn{display:inline-block;background:var(--ac);color:#fff;padding:13px 25px;border-radius:6px;font-weight:600;text-decoration:none;font-family:"Red Hat Display",sans-serif;font-size:.96rem;transition:background .15s}
.btn:hover{background:var(--acd);color:#fff}
.btn2{display:inline-block;background:transparent;color:var(--acd);padding:12px 24px;border:1.5px solid var(--tint2);border-radius:6px;font-weight:600;text-decoration:none;font-family:"Red Hat Display",sans-serif;font-size:.96rem}
.btn2:hover{border-color:var(--ac);background:var(--tint)}
/* ciemny pasek nagłówka - odwrotność jasnych headerów reszty floty */
header{background:var(--dark);border-bottom:3px solid var(--ac)}
.hrow{display:flex;align-items:center;gap:16px;min-height:62px}
.logo{text-decoration:none;margin-right:auto;display:flex;align-items:center;gap:10px;min-width:0}
.logo .mark{flex:none;width:30px;height:30px;border-radius:7px;background:var(--ac);display:inline-flex;align-items:center;justify-content:center}
.logo .wm{font-family:"Red Hat Display",sans-serif;font-weight:700;font-size:1.06rem;letter-spacing:-.01em;color:#fff;line-height:1.1;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.logo .wm small{display:block;font-size:.66rem;font-weight:500;letter-spacing:.09em;text-transform:uppercase;color:var(--darkmut)}
.mainnav{display:none;gap:19px;align-items:center}
.mainnav a{color:#c9d3dd;text-decoration:none;font-size:.92rem;font-weight:500}
.mainnav a:hover,.mainnav a[aria-current]{color:#fff}
@media(min-width:900px){.mainnav{display:flex}}
header .btn{background:#fff;color:var(--dark);padding:9px 18px;white-space:nowrap;flex:0 0 auto;font-size:.9rem}
header .btn:hover{background:var(--tint2);color:var(--dark)}
/* hero */
.hero{padding:44px 0 40px;border-bottom:1px solid var(--line)}
@media (min-width:900px){.hero{padding:64px 0 56px}}
.hgrid{display:grid;gap:32px}
@media (min-width:900px){.hgrid{grid-template-columns:1.15fr .85fr;align-items:start;gap:52px}}
.chip{display:inline-flex;align-items:center;gap:9px;border:1px solid var(--line);background:var(--paper);border-radius:4px;padding:5px 12px;font-size:.79rem;font-weight:600;letter-spacing:.02em;color:var(--acd);margin:0 0 18px}
.chip i{width:7px;height:7px;border-radius:50%;background:var(--ac);display:inline-block}
.hero h1{font-size:clamp(2rem,4.6vw,2.9rem);margin-bottom:.35em}
.hero .lead{color:var(--mut);font-size:1.07rem;max-width:34em}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 12px}
.fine{font-size:.85rem;color:var(--mut);max-width:38em}
/* karta faktów zamiast zdjęcia */
.factcard{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:6px 22px 18px}
.factcard h2{font-size:.79rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mut);margin:18px 0 2px;font-weight:600}
.factcard dl{margin:0;display:grid}
.factcard div{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:11px 0;border-bottom:1px solid var(--line)}
.factcard div:last-child{border-bottom:0}
.factcard dt{color:var(--mut);font-size:.88rem}
.factcard dd{margin:0;text-align:right;font-weight:600;font-size:.94rem;font-family:"Red Hat Display",sans-serif}
.factcard .big{font-size:1.15rem;color:var(--acd)}
.factcard .foot{font-size:.79rem;color:var(--mut);margin:14px 0 0;line-height:1.55}
section{padding:44px 0}
@media (min-width:900px){section{padding:58px 0}}
.band{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.eyebrow{color:var(--ac);font-weight:700;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:8px;font-family:"Red Hat Display",sans-serif}
.crumb{font-size:.84rem;color:var(--mut);padding:18px 0 0}
.crumb a{color:var(--mut);text-decoration:none}
.crumb a:hover{color:var(--ac)}
.crumb span{color:var(--ink)}
.pagehead{padding:8px 0 4px}
.lead{font-size:1.08rem;color:var(--mut);max-width:40em}
/* answer-first */
.answer{background:var(--tint);border-left:4px solid var(--ac);padding:17px 22px;margin:18px 0 22px;font-size:1.03rem}
.answer p:last-child{margin-bottom:0}
.answer b{color:var(--ink)}
/* proces jako szyna numerów */
.rail{counter-reset:s;display:grid;gap:0;margin:26px 0 0;padding:0;border-top:1px solid var(--line)}
@media (min-width:900px){.rail{grid-template-columns:repeat(4,1fr);border-top:0}}
.rail li{list-style:none;counter-increment:s;padding:20px 0;border-bottom:1px solid var(--line)}
@media (min-width:900px){.rail li{padding:0 22px 4px 0;border-bottom:0;border-top:3px solid var(--ac)}.rail li{padding-top:16px}}
.rail li::before{content:"0" counter(s);display:block;font-family:"Red Hat Display",sans-serif;font-weight:700;font-size:.85rem;letter-spacing:.08em;color:var(--ac);margin-bottom:6px}
.rail h3{font-size:1.02rem;margin:0 0 4px}
.rail p{color:var(--mut);font-size:.91rem;margin:0}
/* tabele jasne (fintech ma ciemne - świadoma inwersja) */
.twrap{overflow-x:auto;border:1px solid var(--line);border-radius:8px;margin:22px 0;background:var(--paper)}
table{width:100%;border-collapse:collapse;font-size:.94rem;min-width:540px}
th,td{text-align:left;padding:12px 17px;vertical-align:top}
thead th{background:var(--tint);color:var(--acd);font-family:"Red Hat Display",sans-serif;font-weight:700;font-size:.76rem;letter-spacing:.06em;text-transform:uppercase;border-bottom:1px solid var(--line)}
td{border-top:1px solid var(--line);color:var(--mut)}
tbody tr:first-child td{border-top:0}
td:first-child{color:var(--ink);font-weight:600}
.tnote{color:var(--mut);font-size:.85rem;margin-top:-8px}
.pricetable{min-width:420px}
.pricetable td:last-child,.pricetable th:last-child{text-align:right;white-space:nowrap}
ul.check{margin:16px 0;padding:0;display:grid;gap:9px}
ul.check li{list-style:none;display:flex;gap:11px;align-items:flex-start;color:var(--mut)}
ul.check li::before{content:"";flex:none;width:8px;height:8px;margin-top:9px;background:var(--ac);border-radius:2px}
ul.check li b{color:var(--ink)}
ul.dot{margin:14px 0;padding-left:20px;color:var(--mut)}
ul.dot li{margin:7px 0}
ul.dot li b{color:var(--ink)}
.warn{background:var(--warnbg);border:1px solid var(--warnln);border-left:4px solid #d9a441;border-radius:6px;padding:17px 20px;margin:22px 0}
.warn b{color:var(--warnink)}
.warn p:last-child{margin-bottom:0}
.calm{background:var(--calmbg);border:1px solid var(--calmln);border-radius:6px;padding:17px 20px;margin:22px 0}
.calm b{color:var(--calmink)}
.calm a{color:var(--calmink);font-weight:600}
.calm p:last-child{margin-bottom:0}
.cards{display:grid;gap:12px;margin:22px 0}
@media (min-width:660px){.cards{grid-template-columns:repeat(2,1fr)}}
.cards a{display:block;background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:17px 19px;text-decoration:none;color:var(--ink)}
.cards a:hover{border-color:var(--ac);box-shadow:0 1px 0 var(--ac)}
.cards b{display:block;font-family:"Red Hat Display",sans-serif;font-weight:700;font-size:.99rem;margin-bottom:3px}
.cards span{color:var(--mut);font-weight:400;font-size:.86rem;display:block;line-height:1.5}
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:8px;margin-top:9px}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:15px 19px;font-weight:600;font-family:"Red Hat Display",sans-serif;font-size:.97rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;color:var(--ac);font-size:1.3rem;font-weight:400;line-height:1}
.faq details[open] summary::after{content:"-"}
.faq details p{color:var(--mut);font-size:.93rem;margin:0;padding:0 19px 15px;max-width:62em}
.ebox{border:1px solid var(--line);border-left:4px solid var(--tint2);background:var(--paper);border-radius:6px;padding:20px 24px;font-size:.89rem;margin:28px 0}
.ebox .meta{margin:0 0 9px;font-weight:600}
.ebox .meta span{color:var(--mut);font-weight:400}
.ebox ul{margin:6px 0 0;padding-left:18px;color:var(--mut)}
.ebox li{margin:3px 0}
.disc{color:var(--mut);font-size:.85rem;margin:14px 0 0;padding-top:12px;border-top:1px solid var(--line)}
.ctaband{background:var(--dark);color:#fff;border-radius:10px;padding:40px 26px;margin:36px 0}
@media (min-width:900px){.ctaband{padding:48px 44px}}
.ctaband h2{color:#fff;margin:0 0 .4em}
.ctaband p{color:#b9c5d1;max-width:40em}
.ctaband .btn{background:#fff;color:var(--dark);margin-top:8px}
.ctaband .btn:hover{background:var(--tint2);color:var(--dark)}
.ctaband .mini{font-size:.83rem;color:#8f9dab;margin:16px 0 0;max-width:44em}
.bloglist{display:grid;gap:14px;margin:24px 0}
@media (min-width:680px){.bloglist{grid-template-columns:repeat(2,1fr)}}
.blogcard{display:block;background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:19px;text-decoration:none;color:var(--ink)}
.blogcard:hover{border-color:var(--ac)}
.tag{display:inline-block;background:var(--tint);color:var(--acd);font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:3px 9px;border-radius:3px;margin-bottom:9px;font-family:"Red Hat Display",sans-serif}
.blogcard h3{margin:0 0 5px;font-size:1.03rem}
.blogcard p{color:var(--mut);font-size:.89rem;margin:0}
.formcard{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:28px}
.hint{font-size:.83rem;color:var(--mut);margin-top:6px}
/* ciemna stopka - domyka klamrę z nagłówkiem */
footer{background:var(--dark);color:var(--darkmut);padding:38px 0 44px;font-size:.87rem;margin-top:44px}
.fgrid{display:grid;gap:24px}
@media (min-width:900px){.fgrid{grid-template-columns:2.1fr 1fr 1fr}}
footer b{color:#fff;display:block;margin-bottom:7px;font-weight:600;font-family:"Red Hat Display",sans-serif}
footer a{color:var(--darkmut)}
footer nav a{display:block;text-decoration:none;padding:2px 0}
footer nav a:hover{color:#fff}
.legal{margin-top:26px;padding-top:18px;border-top:1px solid var(--darkln);font-size:.79rem;line-height:1.65;color:#8593a2}