/* ============================================================
   Borkowski Ubezpieczenia – Motyw dopasowany do logo
   Granat #091f2e → Niebieski #0a4a7a → Akcent #1a8fd1
   v2.0 – pełna rewizja: SEO, UX, animacje, cookie, mobile CTA
   ============================================================ */

:root{
  --navy:    #091f2e;
  --navy2:   #0d2d45;
  --blue:    #0a4a7a;
  --blue2:   #1565a0;
  --accent:  #1a8fd1;
  --accent2: #22aae8;
  --light:   #f0f6fc;
  --white:   #ffffff;
  --text:    #091f2e;
  --muted:   #4a6070;
  --border:  #d0dde8;
  --shadow-sm: 0 2px 8px rgba(9,31,46,.08);
  --shadow-md: 0 8px 32px rgba(9,31,46,.13);
  --shadow-lg: 0 20px 60px rgba(9,31,46,.18);
  --grad: linear-gradient(135deg, var(--navy) 0%, var(--blue) 60%, var(--blue2) 100%);
  --grad-h: linear-gradient(160deg, var(--navy) 0%, var(--blue) 100%);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;overflow-x:hidden}
body{
  font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
  color:var(--text);background:var(--white);line-height:1.7;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%}

/* ── NAV ─────────────────────────────────────────────────── */
nav{
  position:sticky;top:0;z-index:200;
  display:flex;align-items:center;justify-content:space-between;
  padding:0 5vw;height:70px;
  background:var(--navy);
  border-bottom:2px solid var(--accent);
  box-shadow:0 2px 16px rgba(9,31,46,.35);
}
.nl img{height:56px;display:block}
.nav-links{display:flex;gap:2rem;list-style:none;align-items:center}
.nav-links>li{position:relative}
.nav-links a{
  color:rgba(255,255,255,.82);text-decoration:none;
  font-size:.87rem;font-weight:500;letter-spacing:.02em;transition:color .18s;
}
.nav-links>li>a{display:block;padding:.55rem 0}
.nav-links a:hover,.nav-links>li.active>a{color:var(--accent2)}
.nav-links a.cta{
  background:var(--accent);color:#fff!important;
  padding:.52rem 1.3rem;border-radius:50px;
  font-weight:700;font-size:.84rem;
  transition:background .18s,transform .15s;
  box-shadow:0 2px 10px rgba(26,143,209,.4);
}
.nav-links a.cta:hover{background:var(--accent2);transform:translateY(-1px)}

/* dropdown */
.dropdown{
  display:none;position:absolute;top:calc(100% + 4px);left:0;
  min-width:230px;background:#fff;border:1px solid var(--border);
  border-top:2px solid var(--accent);
  border-radius:0 0 10px 10px;box-shadow:var(--shadow-md);
  list-style:none;padding:.4rem 0;flex-direction:column;z-index:300;
}
.has-dropdown::after{content:'';position:absolute;top:100%;left:0;right:0;height:8px;}
.has-dropdown.open .dropdown{display:flex}
.dropdown li a{
  padding:.65rem 1.2rem;display:block;font-size:.86rem;font-weight:500;
  color:var(--text);transition:background .15s,color .15s;
}
.dropdown li a:hover{background:var(--light);color:var(--accent)}
.caret{font-size:.6em;margin-left:.3rem;opacity:.6}

.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:.5rem}
.hamburger span{width:24px;height:2px;background:var(--accent2);border-radius:2px}

/* ── HERO ─────────────────────────────────────────────────── */
#hero{
  min-height:88vh;
  display:grid;grid-template-columns:1fr 1.6fr;align-items:stretch;overflow:hidden;
  padding:0;
}
.hero-left{
  background:var(--grad);
  padding:72px 5vw 72px 6vw;
  display:flex;align-items:center;position:relative;overflow:hidden;
}
.hero-left::before{
  content:'';position:absolute;bottom:-100px;right:-80px;
  width:380px;height:380px;border-radius:50%;
  background:radial-gradient(circle,var(--accent) 0%,transparent 65%);opacity:.15;
}
.hero-right{position:relative;overflow:hidden;background:#091f2e;min-height:88vh}
.hero-right img{width:100%;height:100%;object-fit:cover;object-position:center;display:block;position:absolute;top:0;left:0}
.hero-right::before{
  content:'';position:absolute;inset:0;
  background:linear-gradient(to right,rgba(9,31,46,.3),transparent 60%);z-index:1;
}
.hi{position:relative;z-index:1;max-width:560px}
.badge{
  display:inline-flex;align-items:center;gap:.5rem;
  background:rgba(26,143,209,.18);border:1px solid rgba(26,143,209,.4);
  color:#7dd4f8;
  font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  padding:.38rem 1rem;border-radius:50px;margin-bottom:1.6rem;
}
.hi h1{
  font-family:'Poppins',system-ui,sans-serif;
  font-size:clamp(2.2rem,4vw,3.4rem);font-weight:800;
  color:#fff;line-height:1.15;margin-bottom:1.3rem;letter-spacing:-.02em;
  padding-bottom:.6rem;border-bottom:2px solid var(--gold);display:inline-block;
}
.hi h1 em{font-style:normal;color:var(--accent2)}
.hi p{font-size:1rem;color:rgba(255,255,255,.78);max-width:480px;margin-bottom:2.2rem;line-height:1.7}
.btns{display:flex;gap:.9rem;flex-wrap:wrap}
.bp{
  background:var(--accent);color:#fff;
  padding:.85rem 1.8rem;border-radius:50px;
  font-weight:700;text-decoration:none;font-size:.95rem;
  transition:.18s;display:inline-block;border:none;font-family:inherit;cursor:pointer;
  box-shadow:0 4px 16px rgba(26,143,209,.4);
}
.bp:hover{background:var(--accent2);transform:translateY(-2px);box-shadow:0 6px 24px rgba(26,143,209,.5)}
.bs{
  border:1.5px solid rgba(255,255,255,.38);color:rgba(255,255,255,.9);
  padding:.85rem 1.8rem;border-radius:50px;
  font-weight:600;text-decoration:none;font-size:.95rem;
  transition:.18s;display:inline-block;
}
.bs:hover{border-color:rgba(255,255,255,.7);background:rgba(255,255,255,.08)}
.hstats{
  display:flex;gap:2.8rem;flex-wrap:wrap;
  margin-top:2.8rem;padding-top:2rem;
  border-top:1px solid rgba(255,255,255,.12);
}
.snum{
  font-family:'Poppins',system-ui,sans-serif;
  font-size:1.9rem;font-weight:800;color:var(--accent2);line-height:1;
}
.slbl{font-size:.74rem;color:rgba(255,255,255,.52);text-transform:uppercase;letter-spacing:.07em;margin-top:.2rem}

/* ── PAGE HEADER ────────────────────────────────────────── */
header.page-header,
.page-header{
  background:var(--grad);
  padding:72px 5vw 60px;position:relative;overflow:hidden;
  border-bottom:2px solid var(--accent);
  margin-top:0;
}
.page-header::before{
  content:'';position:absolute;top:-50%;right:-5%;
  width:500px;height:500px;border-radius:50%;
  background:radial-gradient(circle,var(--accent) 0%,transparent 65%);
  opacity:.1;pointer-events:none;
}
.phw{max-width:1300px;margin:0 auto;position:relative;z-index:1}
.breadcrumb{font-size:.82rem;color:rgba(255,255,255,.48);margin-bottom:.9rem}
.breadcrumb a{color:rgba(255,255,255,.68);text-decoration:none}
.breadcrumb a:hover{color:var(--accent2)}
/* ── ZŁOTY AKCENT ────────────────────────────────────────── */
:root{
  --gold:        #c9963a;
  --gold-light:  #e8b84b;
  --gold-glow:   rgba(201,150,58,.25);
}

/* 1. Złoty podkreślnik pod h1 na podstronach */
.page-header h1{
  font-family:'Poppins',system-ui,sans-serif;
  font-size:clamp(2rem,4vw,2.9rem);font-weight:800;
  color:#fff;margin-bottom:.7rem;letter-spacing:-.02em;
  padding-bottom:.55rem;
  border-bottom:2px solid var(--gold);
  display:inline-block;
}
.page-header .lead{font-size:1rem;color:rgba(255,255,255,.74);max-width:900px}

/* 4. Złoty border na kartach przy hover */
.card:hover{
  box-shadow:var(--shadow-md),0 0 0 1.5px var(--gold);
  transform:translateY(-5px);
  border-color:rgba(201,150,58,.35);
}
.card:hover::before{
  background:linear-gradient(90deg,var(--gold),var(--gold-light));
}

/* Złoty akcent na przyciskach .bp przy hover */
.bp:hover{
  background:var(--accent2);
  transform:translateY(-2px);
  box-shadow:0 6px 24px rgba(26,143,209,.4),0 0 0 2px var(--gold);
}

/* ── LOGO MARQUEE ─────────────────────────────────────────── */
.logo-marquee{
  width:100%;overflow:hidden;background:#fff;
  border-bottom:1px solid var(--border);
  padding:14px 0;
  -webkit-mask-image:linear-gradient(90deg,transparent 0,#000 60px,#000 calc(100% - 60px),transparent 100%);
  mask-image:linear-gradient(90deg,transparent 0,#000 60px,#000 calc(100% - 60px),transparent 100%);
}
.logo-marquee-track{
  display:flex;align-items:center;gap:2.6rem;width:max-content;
  will-change:transform;
}
.logo-marquee-item{flex-shrink:0;height:34px;display:flex;align-items:center}
.logo-marquee-item img{height:100%;width:auto;object-fit:contain;transition:transform .25s}
.logo-marquee-item img:hover{transform:scale(1.08)}
@media(max-width:760px){
  .logo-marquee{padding:10px 0}
  .logo-marquee-track{gap:1.8rem}
  .logo-marquee-item{height:26px}
}

/* ── SECTIONS ─────────────────────────────────────────────── */
section{padding:88px 5vw}
#hero{padding:0}
.sl{background:var(--light)}
.stag{
  display:inline-flex;align-items:center;gap:.4rem;
  font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--accent);margin-bottom:.7rem;
}
.stag::before{content:'';width:20px;height:2px;background:var(--accent);border-radius:2px}
.stitle{
  font-family:'Poppins',system-ui,sans-serif;
  font-size:clamp(1.7rem,3vw,2.4rem);font-weight:800;
  color:var(--navy);margin-bottom:.85rem;letter-spacing:-.02em;
}
.ssub{font-size:1rem;color:var(--muted);max-width:600px;margin-bottom:3rem;line-height:1.75}
.stitle .accent,.accent{color:var(--accent)}
.section-narrow{max-width:760px}
.section-narrow h2{
  font-family:'Poppins',system-ui,sans-serif;font-weight:700;
  font-size:1.45rem;color:var(--navy);margin:2.4rem 0 .9rem;
}
.section-narrow h2:first-child{margin-top:0}
.section-narrow p{color:var(--muted);margin-bottom:1rem;line-height:1.75}
.section-narrow ul,.section-narrow ol{margin:0 0 1rem 1.3rem;color:var(--muted)}
.section-narrow li{margin-bottom:.45rem}

/* ── O MNIE ───────────────────────────────────────────────── */
.og{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
#onas .og{align-items:stretch}
.otext{display:flex;flex-direction:column;justify-content:center}
.oi{position:relative}
.oi img{width:100%;border-radius:12px;display:block;box-shadow:var(--shadow-lg)}
.ofloat{
  position:absolute;bottom:-16px;right:-16px;
  background:var(--navy);color:#fff;
  padding:1.1rem 1.5rem;border-radius:12px;text-align:center;
  box-shadow:var(--shadow-md);border-bottom:3px solid var(--accent);
}
.ofloat strong{
  display:block;font-family:'Poppins',system-ui,sans-serif;
  font-size:1.8rem;font-weight:800;color:var(--accent2);
}
.ofloat span{font-size:.74rem;text-transform:uppercase;letter-spacing:.07em;opacity:.65}
.tags{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.6rem}
.tag{
  display:inline-flex;align-items:center;gap:.35rem;
  background:var(--white);border:1px solid var(--border);
  color:var(--text);font-size:.86rem;font-weight:600;
  padding:.42rem .95rem;border-radius:50px;box-shadow:var(--shadow-sm);transition:.18s;
}
.tag::before{content:'✓';color:var(--accent);font-size:.72rem;font-weight:800}
.tag:hover{border-color:var(--accent);color:var(--accent)}
.link-arrow{display:inline-block;margin-top:1.4rem;color:var(--accent);font-weight:700;text-decoration:none;font-size:.95rem}
.link-arrow:hover{color:var(--accent2)}

/* ── IKONY ────────────────────────────────────────────────── */
.ci,.wi{
  display:flex;align-items:center;justify-content:center;
  width:56px;height:56px;font-size:1.5rem;
  margin-bottom:1rem;line-height:1;border-radius:14px;flex-shrink:0;
}
.ci{background:rgba(26,143,209,.1);color:var(--accent)}
.wi{background:rgba(26,143,209,.08);color:var(--accent2)}

/* ── KARTY ────────────────────────────────────────────────── */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.4rem}
.card{
  background:var(--white);border:1px solid var(--border);
  border-radius:16px;padding:2rem 1.8rem;
  transition:box-shadow .22s,transform .22s,border-color .22s;
  position:relative;overflow:hidden;text-decoration:none;
  color:inherit;display:flex;flex-direction:column;
}
.card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--accent),var(--accent2));
  transform:scaleX(0);transform-origin:left;transition:.25s;
  border-radius:16px 16px 0 0;
}
.card:hover{box-shadow:var(--shadow-md);transform:translateY(-5px);border-color:rgba(26,143,209,.3)}
.card:hover::before{transform:scaleX(1)}
.card h3{font-family:'Poppins',system-ui,sans-serif;font-size:1.08rem;font-weight:700;color:var(--navy);margin-bottom:.4rem;}
.card p{font-size:.9rem;color:var(--muted);line-height:1.65;flex-grow:1}
.card ul{list-style:none;margin-top:.85rem;display:flex;flex-direction:column;gap:.38rem}
.card ul li{font-size:.87rem;color:var(--text);padding-left:1.1rem;position:relative}
.card ul li::before{content:'→';position:absolute;left:0;color:var(--accent);font-size:.76rem}
.card .more{margin-top:1.1rem;color:var(--accent);font-weight:700;font-size:.87rem}
.card:hover .more{color:var(--accent2)}

/* ── KROKI ────────────────────────────────────────────────── */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.4rem;counter-reset:step}
.step{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:2rem 1.6rem}
.step::before{
  counter-increment:step;content:counter(step);
  display:flex;align-items:center;justify-content:center;
  width:40px;height:40px;border-radius:12px;
  background:var(--grad);color:#fff;
  font-family:'Poppins',system-ui,sans-serif;font-weight:800;font-size:1.1rem;
  margin-bottom:1.1rem;
}
.step h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.4rem}
.step p{font-size:.88rem;color:var(--muted)}

/* ── SEKCJA GRANATOWA ────────────────────────────────────── */
.navy-section{background:var(--grad-h);position:relative;overflow:hidden}
.navy-section::before{
  content:'';position:absolute;top:-30%;right:-10%;
  width:500px;height:500px;border-radius:50%;
  background:radial-gradient(circle,var(--accent) 0%,transparent 65%);
  opacity:.1;pointer-events:none;
}
.navy-section .stag{color:var(--accent2)}
.navy-section .stitle{color:#fff}
.navy-section .ssub{color:rgba(255,255,255,.62)}
.wgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1.3rem}
.wcard{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);
  border-radius:16px;padding:1.8rem 1.6rem;transition:.22s;
}
.wcard:hover{background:rgba(26,143,209,.1);border-color:rgba(26,143,209,.35);transform:translateY(-3px)}
.wcard h3{font-size:.98rem;font-weight:700;color:#fff;margin-bottom:.4rem;font-family:'Poppins',system-ui,sans-serif}
.wcard p{font-size:.87rem;color:rgba(255,255,255,.58);line-height:1.65}

/* ── PARTNERZY ───────────────────────────────────────────── */
.partner-tags{display:flex;flex-wrap:wrap;gap:.65rem}
.logo-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1.2rem;margin-bottom:2.5rem}
.logo-item{
  background:#fff;border:1px solid var(--border);border-radius:12px;
  padding:1.2rem 1rem;display:flex;align-items:center;justify-content:center;
  min-height:80px;transition:box-shadow .2s,transform .2s,border-color .2s;
  box-shadow:var(--shadow-sm);
}
.logo-item:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);border-color:rgba(26,143,209,.3)}
.logo-item img{max-width:130px;max-height:52px;object-fit:contain;display:block}
.logo-remaining{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:.5rem}

/* ── CTA STRIP ───────────────────────────────────────────── */
.cta-strip{
  background:var(--grad-h);position:relative;overflow:hidden;padding:72px 5vw;
  border-top:2px solid var(--accent);
}
.cta-strip::before{
  content:'';position:absolute;top:-40%;right:-5%;
  width:600px;height:600px;border-radius:50%;
  background:radial-gradient(circle,var(--accent) 0%,transparent 65%);
  opacity:.1;pointer-events:none;
}
.cta-inner{
  position:relative;z-index:1;
  display:flex;align-items:center;gap:3rem;max-width:960px;margin:0 auto;
}
.cta-icon{flex-shrink:0;width:72px;height:72px}
.cta-icon svg{width:100%;height:100%;display:block}
.cta-shield-bg{fill:rgba(26,143,209,.12)}
.cta-shield-stroke{stroke:var(--accent2)}
.cta-text h2{
  font-family:'Poppins',system-ui,sans-serif;
  font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800;
  color:#fff;margin-bottom:.6rem;letter-spacing:-.02em;
}
.cta-text p{color:rgba(255,255,255,.65);margin-bottom:1.6rem;max-width:540px}

/* ── KONTAKT ─────────────────────────────────────────────── */
.kwrap{display:grid;grid-template-columns:1fr 1.3fr;gap:4.5rem;align-items:start}
.ki h3{font-family:'Poppins',system-ui,sans-serif;font-size:1.4rem;font-weight:700;color:var(--navy);margin-bottom:1.4rem;}
.ii{display:flex;gap:.9rem;align-items:flex-start;margin-bottom:1.2rem}
.iico{
  width:42px;height:42px;flex-shrink:0;
  background:var(--light);border:1px solid var(--border);
  border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1rem;
}
.ii p{font-size:.92rem;color:var(--text);line-height:1.6}
.ii strong{display:block;font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:.15rem}
.kf{background:var(--white);border-radius:20px;padding:2.6rem;box-shadow:var(--shadow-md);border:1px solid var(--border)}
.kf h3{font-family:'Poppins',system-ui,sans-serif;font-size:1.3rem;font-weight:700;color:var(--navy);margin-bottom:1.5rem;}
.fr{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.fg{margin-bottom:1rem}
label{display:block;font-size:.74rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin-bottom:.38rem}
input,select,textarea{
  width:100%;padding:.74rem 1rem;border:1.5px solid var(--border);border-radius:10px;
  font-family:inherit;font-size:.93rem;color:var(--text);
  background:var(--light);outline:none;transition:border-color .18s,background .18s;
}
input:focus,select:focus,textarea:focus{border-color:var(--accent);background:var(--white)}
textarea{resize:vertical;min-height:95px}
.fsub{
  width:100%;padding:.9rem;background:var(--grad);color:#fff;border:none;
  border-radius:50px;font-family:inherit;font-size:1rem;font-weight:700;
  cursor:pointer;transition:.2s;letter-spacing:.02em;
}
.fsub:hover{background:var(--blue2);transform:translateY(-1px)}
.fnote{font-size:.76rem;color:var(--muted);text-align:center;margin-top:.85rem}
.map-wrap{margin-top:3rem;border-radius:16px;overflow:hidden;border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.map-wrap iframe{display:block;width:100%;height:380px;border:0}

/* ── FAQ ──────────────────────────────────────────────────── */
.faq-list{max-width:820px;margin:0 auto}
.faq-item{border-bottom:1px solid var(--border);padding:0}
.faq-item summary{
  list-style:none;cursor:pointer;padding:1.3rem 0;
  font-weight:700;font-size:1rem;color:var(--navy);
  display:flex;justify-content:space-between;align-items:center;gap:1rem;user-select:none;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:'+';font-size:1.4rem;font-weight:400;color:var(--accent);flex-shrink:0;transition:transform .2s;line-height:1}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item .faq-body{padding:.2rem 0 1.3rem;color:var(--muted);font-size:.93rem;line-height:1.75}
.faq-item .faq-body ul{margin:.6rem 0 0 1.2rem}
.faq-item .faq-body ul li{margin-bottom:.3rem}
.faq-group-title{font-family:'Poppins',system-ui,sans-serif;font-size:1.3rem;font-weight:800;color:var(--navy);margin:3rem 0 1rem}
.faq-group-title:first-child{margin-top:0}

/* ── OFFER ROW STYLE ─────────────────────────────────────── */
.ins-row{display:grid;grid-template-columns:1fr 1fr;min-height:420px}
.ins-text{padding:72px 6vw;display:flex;flex-direction:column;justify-content:center;background:#fff}
.ins-text .ins-tag{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:.7rem;display:flex;align-items:center;gap:.4rem}
.ins-text .ins-tag::before{content:'';width:18px;height:2px;background:var(--accent);border-radius:2px}
.ins-text h3{font-family:'Poppins',system-ui,sans-serif;font-size:clamp(1.5rem,2.5vw,2.1rem);font-weight:800;color:var(--navy);margin-bottom:1.1rem;letter-spacing:-.02em;line-height:1.2}
.ins-text p{color:var(--muted);font-size:.97rem;line-height:1.8;margin-bottom:1.6rem;max-width:520px}
.ins-text a.btn-offer{display:inline-flex;align-items:center;gap:.5rem;background:var(--accent);color:#fff;padding:.7rem 1.6rem;border-radius:50px;font-weight:700;font-size:.9rem;text-decoration:none;transition:.18s;align-self:flex-start;box-shadow:0 4px 14px rgba(26,143,209,.35)}
.ins-text a.btn-offer:hover{background:var(--accent2);transform:translateY(-2px)}
.ins-visual{display:flex;align-items:center;justify-content:center;min-height:420px;padding:56px 48px;position:relative;overflow:hidden}
.ins-visual svg{width:min(240px,55%);height:auto;position:relative;z-index:1;filter:drop-shadow(0 8px 24px rgba(9,31,46,.25))}
.ins-row:nth-of-type(odd)  .ins-visual{background:var(--grad)}
.ins-row:nth-of-type(even) .ins-visual{background:linear-gradient(135deg,var(--blue) 0%,var(--accent) 100%)}
.ins-row.reverse .ins-text{order:2}
.ins-row.reverse .ins-visual{order:1}

/* ── FOOTER ──────────────────────────────────────────────── */
footer{
  background:var(--navy);color:rgba(255,255,255,.5);
  padding:64px 5vw 0;border-top:2px solid var(--accent);
}
.fgrid{
  display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;
  gap:2.5rem;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.08);
}
.fcol h4{
  color:var(--accent2);font-size:.82rem;text-transform:uppercase;
  letter-spacing:.1em;margin-bottom:1.1rem;font-family:'Poppins',system-ui,sans-serif;
}
.fcol img{height:80px;margin-bottom:1.1rem}
.fcol p{font-size:.87rem;color:rgba(255,255,255,.5);line-height:1.75}
.fcol ul{list-style:none}
.fcol ul li{margin-bottom:.65rem}
.fcol ul a{color:rgba(255,255,255,.55);text-decoration:none;font-size:.87rem;transition:color .18s}
.fcol ul a:hover{color:var(--accent2)}
.fbottom{text-align:center;padding:24px 0;font-size:.82rem;color:rgba(255,255,255,.32)}
.fbottom strong{color:var(--accent2)}

/* ── FLOATING CALL BUTTON (mobile) ──────────────────────── */
.fab-call{
  display:none;
  position:fixed;bottom:90px;right:20px;z-index:999;
  background:var(--accent);color:#fff;
  width:58px;height:58px;border-radius:50%;
  align-items:center;justify-content:center;
  box-shadow:0 6px 24px rgba(26,143,209,.55);
  text-decoration:none;font-size:1.5rem;
  transition:transform .2s,box-shadow .2s;
  border:none;cursor:pointer;
}
.fab-call:hover{transform:scale(1.1);box-shadow:0 8px 32px rgba(26,143,209,.7)}
.fab-call-pulse{
  position:absolute;inset:0;border-radius:50%;
  background:var(--accent);opacity:.4;
  animation:fabpulse 2s ease-out infinite;
}
@keyframes fabpulse{
  0%{transform:scale(1);opacity:.4}
  70%{transform:scale(1.6);opacity:0}
  100%{transform:scale(1.6);opacity:0}
}

/* ── COOKIE BANNER ───────────────────────────────────────── */
#cookie-banner{
  position:fixed;bottom:0;left:0;right:0;z-index:9999;
  background:var(--navy);border-top:2px solid var(--accent);
  padding:1rem 5vw;
  display:flex;align-items:center;justify-content:space-between;gap:1.5rem;flex-wrap:wrap;
  box-shadow:0 -4px 24px rgba(9,31,46,.35);
  transform:translateY(100%);transition:transform .4s ease;
}
#cookie-banner.show{transform:translateY(0)}
#cookie-banner p{color:rgba(255,255,255,.75);font-size:.84rem;margin:0;flex:1 1 300px}
#cookie-banner a{color:var(--accent2);text-decoration:underline}
.cookie-btn{
  background:var(--accent);color:#fff;border:none;
  padding:.6rem 1.5rem;border-radius:50px;font-weight:700;font-size:.85rem;
  cursor:pointer;transition:background .18s,transform .15s;font-family:inherit;flex-shrink:0;
}
.cookie-btn:hover{background:var(--accent2);transform:translateY(-1px)}
.cookie-btn.outline{
  background:transparent;border:1.5px solid rgba(255,255,255,.3);color:rgba(255,255,255,.7);
  margin-right:.5rem;
}
.cookie-btn.outline:hover{border-color:var(--accent);color:var(--accent)}

/* ── ANIMACJE SCROLL REVEAL ──────────────────────────────── */
.reveal{
  opacity:0;transform:translateY(28px);
  transition:opacity .6s ease,transform .6s ease;
}
.reveal.visible{opacity:1;transform:translateY(0)}
.reveal-delay-1{transition-delay:.1s}
.reveal-delay-2{transition-delay:.2s}
.reveal-delay-3{transition-delay:.3s}

/* ── SKIP LINK (accessibility) ───────────────────────────── */
.skip-link{
  position:absolute;top:-100px;left:1rem;z-index:9999;
  background:var(--accent);color:#fff;padding:.5rem 1rem;border-radius:0 0 8px 8px;
  text-decoration:none;font-weight:700;transition:top .2s;
}
.skip-link:focus{top:0}

/* ── ROK W STOPCE ────────────────────────────────────────── */
.year-auto::before{content:'2025'}

/* ── MOBILE ──────────────────────────────────────────────── */
@media(max-width:760px){
  .hide-mobile{display:none}
  .fcol ul a[href^="tel"],.fcol ul a[href^="mailto"]{display:inline-block;padding:.25rem 0;font-size:1rem}
  .fcol ul li{margin-bottom:.9rem}
  .ii a[href^="tel"],.ii a[href^="mailto"],.ii a[href^="https://maps"]{display:inline-block;padding:.2rem 0;font-size:1rem;font-weight:600;color:var(--navy)}
  .fab-call{display:flex}
}

/* ── RESPONSYWNOŚĆ ───────────────────────────────────────── */
@media(max-width:980px){
  #hero{grid-template-columns:1fr}
  .hero-right{display:none}
  .hero-left{padding:80px 6vw;min-height:auto}
  .og,.kwrap{grid-template-columns:1fr;gap:2.5rem}
  .oi{max-width:480px;margin:0 auto}
  .ofloat{right:0}
  .fr{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr 1fr;gap:2rem}
  .ins-row,.ins-row.reverse{grid-template-columns:1fr}
  .ins-row.reverse .ins-text,.ins-row.reverse .ins-visual{order:unset}
  .ins-visual{min-height:180px;padding:32px}
}
@media(max-width:900px){
  .kom-grid{grid-template-columns:1fr !important}
  .kom-sticky{position:static !important;top:auto !important;margin-top:2rem}
}
@media(max-width:760px){
  .nav-links{
    display:none;position:absolute;top:70px;left:0;right:0;
    flex-direction:column;align-items:stretch;gap:0;
    background:var(--navy);border-top:2px solid var(--accent);
    padding:.5rem 0 1.5rem;box-shadow:0 10px 30px rgba(0,0,0,.3);
  }
  .nav-links.open{display:flex}
  .nav-links>li{width:100%}
  .nav-links>li>a{padding:.85rem 2rem}
  .nav-links a.cta{margin:.7rem 2rem;text-align:center;border-radius:50px}
  .dropdown{position:static;background:rgba(255,255,255,.04);border:none;border-radius:0;display:none;width:100%}
  .has-dropdown.open .dropdown{display:flex}
  .dropdown li a{padding:.65rem 3rem;color:rgba(255,255,255,.75);border-radius:0}
  .dropdown li a:hover{background:rgba(26,143,209,.1);color:var(--accent2)}
  .hamburger{display:flex}
  .hstats{gap:1.8rem}
  .fgrid{grid-template-columns:1fr;text-align:left}
  .cta-inner{flex-direction:column;text-align:center}
  .cta-text p{margin-left:auto;margin-right:auto}
  .ofloat{display:none}
  #cookie-banner{flex-direction:column;align-items:flex-start}
}

/* ── STRZAŁKA DROPDOWN – ukryta na mobile ────────────────── */
@media(max-width:760px){
  .caret{display:none}
}

/* ── WIZARD – klikalne kroki ─────────────────────────────── */
.wiz-step.done{cursor:pointer;transition:background .18s,opacity .18s}
.wiz-step.done:hover{opacity:.82}
.wiz-step.active{cursor:default}