/* Modernizacja ubezpieczenia-biuro.pl — responsywny CSS bez frameworka */
:root {
  --navy: #082b59;
  --navy-2: #0d407f;
  --blue: #1678c8;
  --blue-light: #eaf5ff;
  --orange: #f07c3e;
  --ink: #142238;
  --muted: #5e6d7e;
  --line: #dbe5ee;
  --surface: #ffffff;
  --surface-alt: #f4f8fc;
  --shadow: 0 16px 42px rgba(8, 43, 89, .10);
  --radius: 18px;
  --container: 1180px;
  --font: Arial, Helvetica, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--surface-alt);
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
}
img { display: block; max-width: 100%; height: auto; }
a { color: var(--blue); text-decoration-thickness: .08em; text-underline-offset: .15em; }
a:hover, a:focus-visible { color: var(--navy); }
button, input, textarea, select { font: inherit; }
button { cursor: pointer; }
.container { width: min(var(--container), calc(100% - 2rem)); margin-inline: auto; }
.skip-link { position: absolute; left: 1rem; top: -4rem; z-index: 20; padding: .65rem 1rem; background: var(--navy); color: #fff; border-radius: 0 0 8px 8px; }
.skip-link:focus { top: 0; }

.site-header { position: sticky; top: 0; z-index: 10; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(12px); }
.header__inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 78px; }
.brand { display: inline-flex; align-items: center; min-width: 0; text-decoration: none; }
.brand img { width: min(250px, 58vw); }
.header__tools { display: flex; align-items: center; gap: .75rem; }
.header__phone { display: inline-flex; align-items: center; gap: .35rem; color: var(--navy); font-weight: 700; text-decoration: none; white-space: nowrap; }
.phone-icon { width: 1.05rem; height: 1.05rem; flex: 0 0 auto; }
.nav-toggle { border: 1px solid var(--line); border-radius: 10px; padding: .55rem .75rem; background: #fff; color: var(--navy); font-weight: 700; }
.site-nav { display: none; position: absolute; inset: 78px 0 auto; padding: .75rem 1rem 1rem; background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); }
.site-nav.is-open { display: block; }
.nav-list, .nav-list ul { margin: 0; padding: 0; list-style: none; }
.nav-list { display: grid; gap: .15rem; }
.nav-list a, .nav-list summary { display: block; padding: .65rem .75rem; border-radius: 9px; color: var(--navy); font-weight: 700; text-decoration: none; cursor: pointer; }
.nav-list a:hover, .nav-list a:focus-visible, .nav-list summary:hover, .nav-list summary:focus-visible { background: var(--blue-light); color: var(--blue); }
.nav-list details ul { padding: .25rem 0 .4rem 1rem; }
.nav-list details a { font-size: .95rem; font-weight: 500; }
.nav-list summary { list-style: none; }
.nav-list summary::-webkit-details-marker { display: none; }
.nav-list summary::after { content: '▾'; float: right; color: var(--blue); }
.nav-list details[open] summary::after { content: '▴'; }
.nav-cta { background: var(--blue); color: #fff !important; text-align: center; }
.nav-cta:hover, .nav-cta:focus-visible { background: var(--navy) !important; color: #fff !important; }

.hero { position: relative; overflow: hidden; background: linear-gradient(135deg, #062651 0%, #0b4e91 58%, #177dc5 100%); color: #fff; }
.hero::after { content: ''; position: absolute; width: 34rem; height: 34rem; right: -14rem; top: -16rem; border-radius: 50%; background: rgba(255,255,255,.08); }
.hero__grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr; gap: 2rem; align-items: center; padding-block: clamp(3.5rem, 8vw, 7rem); }
.hero__copy { max-width: 700px; }
.eyebrow { margin: 0 0 .8rem; color: #8ed2ff; font-size: .82rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.hero h1 { max-width: 760px; margin: 0; color: #fff; font-size: clamp(2.2rem, 6vw, 4.9rem); line-height: 1.06; letter-spacing: -.035em; }
.hero p { max-width: 680px; margin: 1.35rem 0 0; color: #eaf5ff; font-size: clamp(1.05rem, 2vw, 1.25rem); }
.hero__actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.7rem; }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 46px; padding: .72rem 1.15rem; border: 1px solid transparent; border-radius: 10px; font-weight: 800; text-decoration: none; transition: transform .18s ease, background .18s ease, border-color .18s ease; }
.button:hover, .button:focus-visible { transform: translateY(-2px); }
.button--primary { background: var(--orange); color: #fff; }
.button--primary:hover, .button--primary:focus-visible { background: #d9652d; color: #fff; }
.button--light { background: #fff; color: var(--navy); }
.button--light:hover, .button--light:focus-visible { background: #eaf5ff; color: var(--navy); }
.button--outline { border-color: var(--blue); background: transparent; color: var(--blue); }
.button--outline:hover, .button--outline:focus-visible { background: var(--blue-light); }

.section { padding-block: clamp(3rem, 7vw, 5.5rem); }
.section--white { background: #fff; }
.section__heading { max-width: 720px; margin-bottom: 2rem; }
.section__heading h2 { margin: 0; color: var(--navy); font-size: clamp(1.75rem, 4vw, 2.8rem); line-height: 1.15; letter-spacing: -.025em; }
.section__heading p { margin: .8rem 0 0; color: var(--muted); }
.cards { display: grid; gap: 1rem; }
.card { height: 100%; padding: 1.35rem; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: 0 5px 22px rgba(8,43,89,.045); }
.card h3 { margin: 0; color: var(--navy); font-size: 1.25rem; line-height: 1.25; }
.card p { margin: .7rem 0 0; color: var(--muted); }
.card__link { display: inline-flex; margin-top: 1rem; font-weight: 800; }
.card--accent { border-top: 4px solid var(--blue); }
.local-band { background: var(--blue-light); }
.local-band__grid { display: grid; gap: 1.5rem; align-items: center; }
.local-band h2 { margin: 0; color: var(--navy); font-size: clamp(1.6rem, 3vw, 2.25rem); line-height: 1.15; }
.local-band p { margin: .8rem 0 0; color: var(--muted); }
.local-list { display: flex; flex-wrap: wrap; gap: .5rem; margin: 1.1rem 0 0; padding: 0; list-style: none; }
.local-list li { padding: .38rem .65rem; border: 1px solid #c7ddf1; border-radius: 999px; background: #fff; color: var(--navy); font-size: .9rem; font-weight: 700; }

.page-hero { padding-block: 3rem 2.5rem; background: linear-gradient(180deg, #eaf5ff 0%, #f4f8fc 100%); border-bottom: 1px solid var(--line); }
.breadcrumbs { margin-bottom: 1rem; color: var(--muted); font-size: .9rem; }
.breadcrumbs a { color: var(--blue); }
.page-hero h1 { max-width: 850px; margin: 0; color: var(--navy); font-size: clamp(2rem, 4vw, 3.5rem); line-height: 1.1; letter-spacing: -.03em; }
.page-hero p { max-width: 780px; margin: 1rem 0 0; color: var(--muted); font-size: 1.1rem; }
.page-layout { display: grid; gap: 2rem; align-items: start; }
.prose { min-width: 0; padding: clamp(1.3rem, 4vw, 2.5rem); border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.prose h2 { margin: 2rem 0 .75rem; color: var(--navy); font-size: 1.6rem; line-height: 1.2; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 1.5rem 0 .5rem; color: var(--navy); }
.prose p { margin: 0 0 1rem; }
.prose ul, .prose ol { margin: .5rem 0 1.25rem; padding-left: 1.25rem; }
.prose li + li { margin-top: .45rem; }
.prose strong { color: var(--navy); }
.note { margin: 1.5rem 0; padding: 1rem 1.1rem; border-left: 4px solid var(--orange); border-radius: 8px; background: #fff7f1; }
.sidebar { display: grid; gap: 1rem; }
.contact-card { padding: 1.5rem; border-radius: var(--radius); background: var(--navy); color: #fff; box-shadow: var(--shadow); }
.contact-card h2 { margin: 0; color: #fff; font-size: 1.65rem; line-height: 1.15; }
.contact-card p { margin: .8rem 0 1.1rem; color: #dceeff; }
.contact-card a:not(.button) { color: #fff; font-weight: 800; }
.phone-list { display: grid; gap: .35rem; margin: 1rem 0 0; }
.phone-list a { font-size: 1.18rem; text-decoration: none; }
.sidebar-card { padding: 1.35rem; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.sidebar-card h2 { margin: 0; color: var(--navy); font-size: 1.2rem; }
.sidebar-card p { margin: .6rem 0 0; color: var(--muted); }


.partners-strip { grid-column: 1 / -1; margin-top: 1.5rem; padding-top: 1.35rem; border-top: 1px solid rgba(255,255,255,.18); }
.partners-strip h2 { margin-bottom: .85rem; }
.partner-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .65rem; }
.partner-card { display: grid; place-items: center; min-height: 74px; padding: .7rem; border: 1px solid #dbe5ee; border-radius: 10px; background: #fff; }
.partner-card img { width: 100%; max-width: 150px; height: 42px; object-fit: contain; }
.partner-card figcaption { margin-top: .25rem; color: var(--navy); font-size: .72rem; font-weight: 800; text-align: center; }
.partner-card--compensa img { width: 50px; max-width: none; height: 50px; border-radius: 8px; }
.partner-card--wiener img { width: 52px; max-width: none; height: 52px; }

.site-footer { padding-block: 2.5rem; background: #061f41; color: #cfe2f4; }
.footer-grid { display: grid; gap: 1.5rem; }
.site-footer h2 { margin: 0; color: #fff; font-size: 1.1rem; }
.site-footer p { margin: .6rem 0 0; }
.site-footer a { color: #fff; }
.footer-areas { display: flex; flex-wrap: wrap; gap: .45rem .85rem; margin: .8rem 0 0; padding: 0; list-style: none; }
.footer-areas a { color: #cfe2f4; text-decoration: none; }
.footer-bottom { margin-top: 2rem; padding-top: 1rem; border-top: 1px solid rgba(255,255,255,.18); color: #a9c3da; font-size: .9rem; }

@media (max-width: 699px) {
  .header__phone { font-size: .78rem; }
  .phone-label { display: none; }
}
@media (min-width: 700px) {
  .nav-toggle { display: none; }
  .site-nav { display: block; position: static; padding: 0; background: transparent; border: 0; box-shadow: none; }
  .nav-list { display: flex; align-items: center; gap: .1rem; }
  .nav-list a, .nav-list summary { padding: .5rem .55rem; font-size: .91rem; }
  .nav-list details { position: relative; }
  .nav-list details ul { position: absolute; top: calc(100% + .4rem); left: 0; min-width: 225px; padding: .45rem; border: 1px solid var(--line); border-radius: 12px; background: #fff; box-shadow: var(--shadow); }
  .nav-list details:not([open]) ul { display: none; }
  .nav-list details[open] ul { display: block; }
  .hero__grid { grid-template-columns: 1fr; }
  .cards--3 { grid-template-columns: repeat(3, 1fr); }
  .cards--4 { grid-template-columns: repeat(2, 1fr); }
  .local-band__grid { grid-template-columns: 1fr 1.2fr; }
  .page-layout { grid-template-columns: minmax(0, 1fr) 310px; }
  .footer-grid { grid-template-columns: 1.2fr 1fr 1fr; }
  .partner-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
}
@media (min-width: 1050px) {
  .cards--4 { grid-template-columns: repeat(4, 1fr); }
  .nav-list a, .nav-list summary { padding-inline: .72rem; }
  .partner-grid { grid-template-columns: repeat(8, minmax(0, 1fr)); }
}
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; } }