/* =========================================================
   Natalia Bielak — Ekspert Kredytowy
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,500;0,600;0,700;1,500&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --navy: #16213e;
  --navy-2: #1e2c50;
  --navy-soft: #2a3a68;
  --cream: #faf7f0;
  --cream-2: #f1ead9;
  --gold: #c39a5f;
  --gold-dark: #a9803f;
  --gold-light: #e4cfa4;
  --ink: #26262b;
  --ink-soft: #64636c;
  --white: #ffffff;
  --line: rgba(22,33,62,0.10);
  --shadow: 0 20px 50px -18px rgba(22,33,62,0.35);
  --shadow-sm: 0 8px 24px -12px rgba(22,33,62,0.25);
  --radius: 4px;
  --radius-lg: 6px;
  --ff-display: 'Playfair Display', Georgia, serif;
  --ff-body: 'Inter', -apple-system, sans-serif;
  --ease: cubic-bezier(.4,0,.2,1);
}

*,*::before,*::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *,*::before,*::after{ animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
}

html{ overflow-x: hidden; }
body{
  margin:0;
  font-family: var(--ff-body);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  width:100%;
}

img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ list-style:none; margin:0; padding:0; }
button{ font-family:inherit; cursor:pointer; }
input,button{ font:inherit; }

:focus-visible{
  outline: 2.5px solid var(--gold-dark);
  outline-offset: 3px;
}

.container{
  width:100%;
  max-width: 1220px;
  margin:0 auto;
  padding: 0 clamp(20px, 4vw, 40px);
}

.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:10px;
  font-family: var(--ff-body);
  font-weight:600;
  font-size:0.78rem;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color: var(--gold-dark);
}
.eyebrow::before{
  content:"";
  width:26px; height:1px;
  background: var(--gold-dark);
}

h1,h2,h3,h4{
  font-family: var(--ff-display);
  font-weight:600;
  color: var(--navy);
  margin:0;
  line-height:1.15;
}

.section-head{
  max-width: 640px;
  margin: 0 auto 52px;
  text-align:center;
}
.section-head h2{
  font-size: clamp(1.7rem, 3vw, 2.3rem);
  margin-top:12px;
}
.section-head p{
  margin-top:14px;
  color: var(--ink-soft);
  font-size:1.02rem;
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  padding: 15px 30px;
  font-weight:600;
  font-size:0.95rem;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background-color .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
  white-space: nowrap;
}
.btn svg{ width:17px; height:17px; flex-shrink:0; }
.btn-primary{
  background: var(--navy);
  color: var(--white);
}
.btn-primary:hover{
  background: var(--navy-2);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}
.btn-outline{
  background: transparent;
  color: var(--navy);
  border-color: var(--line);
}
.btn-outline:hover{
  border-color: var(--gold-dark);
  color: var(--gold-dark);
  transform: translateY(-2px);
}
.btn-gold{
  background: var(--gold-dark);
  color:var(--white);
}
.btn-gold:hover{
  background:#8f6c34;
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}
.btn-block{ width:100%; }

/* ---------- Topbar ---------- */
.topbar{
  background: var(--navy);
  color: rgba(255,255,255,0.9);
  font-size:0.82rem;
}
.topbar .container{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding-top:9px;
  padding-bottom:9px;
  gap:16px;
}
.topbar-left{
  display:flex;
  flex-wrap:nowrap;
  align-items:center;
  gap:14px;
  min-width:0;
}
.topbar-left a{
  display:inline-flex;
  align-items:center;
  white-space:nowrap;
  transition:color .2s;
}
.topbar-left a:hover{ color: var(--gold-light); }
.topbar-right{ display:flex; align-items:center; gap:14px; flex-shrink:0; }
.topbar-social-label{ opacity:0.7; }
.social{ display:flex; gap:10px; }
.social a{
  width:26px; height:26px;
  display:flex; align-items:center; justify-content:center;
  border:1px solid rgba(255,255,255,0.25);
  border-radius:50%;
  transition: background .2s, border-color .2s;
}
.social a:hover{ background: var(--gold-dark); border-color: var(--gold-dark); }
.social svg{ width:13px; height:13px; }

@media (max-width: 720px){
  .topbar{
    font-size:0.8rem;
    line-height:1.3;
  }
  .topbar .container{
    gap:12px;
    padding-top:10px;
    padding-bottom:10px;
  }
  .topbar-left{
    gap:10px;
    flex:1;
    min-width:0;
    overflow:hidden;
  }
  .topbar-left a{
    color:#fff;
    font-weight:500;
  }
  .topbar-left a span{
    overflow:hidden;
    text-overflow:ellipsis;
  }
  .topbar-social-label{ display:none; }
}

/* ---------- Header ---------- */
.site-header{
  background: var(--white);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top:0;
  z-index: 60;
}
.site-header .container{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding-top:16px;
  padding-bottom:16px;
}
.logo{
  display:flex;
  align-items:center;
  gap:14px;
}
.logo-mark{
  width:48px; height:48px;
  border:1.5px solid var(--gold-dark);
  display:flex; align-items:center; justify-content:center;
  font-family: var(--ff-display);
  font-weight:700;
  color: var(--gold-dark);
  font-size:1.1rem;
  letter-spacing:0.02em;
  flex-shrink:0;
}
.logo-text{ line-height:1.2; }
.logo-text .name{
  font-family: var(--ff-display);
  font-weight:700;
  font-size:1.15rem;
  color: var(--navy);
  letter-spacing:0.03em;
}
.logo-text .role{
  font-size:0.68rem;
  letter-spacing:0.13em;
  text-transform:uppercase;
  color: var(--gold-dark);
  display:block;
  margin-top:2px;
}

.main-nav{ display:flex; }
.main-nav ul{ display:flex; gap:34px; }
.main-nav a{
  font-weight:500;
  font-size:0.94rem;
  color: var(--ink);
  position:relative;
  padding: 6px 0;
  transition: color .2s;
}
.main-nav a::after{
  content:"";
  position:absolute; left:0; right:0; bottom:0;
  height:2px; background: var(--gold-dark);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .25s var(--ease);
}
.main-nav a:hover{ color: var(--gold-dark); }
.main-nav a:hover::after{ transform: scaleX(1); }

.header-actions{ display:flex; align-items:center; gap:18px; }
.nav-toggle{
  display:none;
  background:none; border:none;
  width:40px; height:34px;
  position:relative;
}
.nav-toggle span{
  position:absolute; left:6px; right:6px; height:2px;
  background: var(--navy);
  transition: transform .25s var(--ease), opacity .2s;
}
.nav-toggle span:nth-child(1){ top:10px; }
.nav-toggle span:nth-child(2){ top:17px; }
.nav-toggle span:nth-child(3){ top:24px; }
.nav-toggle.active span:nth-child(1){ transform: translateY(7px) rotate(45deg); }
.nav-toggle.active span:nth-child(2){ opacity:0; }
.nav-toggle.active span:nth-child(3){ transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 980px){
  .main-nav{
    position:fixed;
    top:0; right:0;
    height:100vh;
    width: min(320px, 82vw);
    background: var(--navy);
    padding: 100px 32px 32px;
    transform: translateX(100%);
    transition: transform .35s var(--ease);
    z-index: 55;
  }
  .main-nav.open{ transform: translateX(0); }
  .main-nav ul{ flex-direction:column; gap:6px; }
  .main-nav a{ color: rgba(255,255,255,0.88); font-size:1.05rem; padding:12px 0; display:block; }
  .main-nav a::after{ display:none; }
  .main-nav a:hover{ color: var(--gold-light); }
  .header-actions .btn-primary span{ display:none; }
  .nav-toggle{ display:block; }
  .nav-scrim{
    position:fixed; inset:0; background: rgba(22,33,62,0.5);
    opacity:0; pointer-events:none; transition:opacity .3s; z-index:54;
  }
  .nav-scrim.open{ opacity:1; pointer-events:auto; }
}
@media (max-width: 560px){
  .header-actions .btn-primary{ padding:12px 16px; }
  .logo-text .name{ font-size:1rem; }
}

/* ---------- Hero ---------- */
.hero{
  background: linear-gradient(180deg, var(--cream) 0%, var(--cream-2) 100%);
  overflow:hidden;
  position:relative;
}
.hero .container{
  display:grid;
  grid-template-columns: minmax(0,1.05fr) minmax(0,0.95fr);
  gap: 56px;
  align-items:center;
  padding-top: clamp(48px, 7vw, 84px);
  padding-bottom: clamp(56px, 7vw, 96px);
}
.hero .container > *{ min-width:0; }
.hero-copy h1{
  font-size: clamp(2.3rem, 4.2vw, 3.4rem);
  margin-top:16px;
}
.hero-copy h1 em{
  font-style:italic;
  color: var(--gold-dark);
}
.hero-copy p{
  margin-top:20px;
  font-size:1.08rem;
  color: var(--ink-soft);
  max-width:46ch;
}
.hero-checks{ margin-top:26px; display:flex; flex-direction:column; gap:11px; }
.hero-checks li{
  display:flex; align-items:center; gap:11px;
  font-weight:500; font-size:0.97rem;
  color: var(--navy);
}
.hero-checks svg{
  width:19px; height:19px; flex-shrink:0; color: var(--gold-dark);
}
.hero-cta{ display:flex; gap:16px; margin-top:34px; flex-wrap:wrap; }

.hero-visual{ position:relative; }
.hero-frame{
  position:relative;
  border-radius: var(--radius-lg);
  overflow:hidden;
  box-shadow: var(--shadow);
  aspect-ratio: 3/4;
}
.hero-frame img{
  width:100%; height:100%; object-fit:cover; object-position: top center;
}
.hero-frame::after{
  content:"";
  position:absolute; inset:0;
  background: linear-gradient(180deg, rgba(22,33,62,0) 60%, rgba(22,33,62,0.28) 100%);
}
.hero-badge{
  position:absolute;
  left: -18px;
  bottom: 26px;
  background: var(--white);
  padding: 18px 22px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  display:flex;
  align-items:center;
  gap:14px;
  max-width: 250px;
}
.hero-badge .num{
  font-family: var(--ff-display);
  font-size:1.9rem;
  font-weight:700;
  color: var(--gold-dark);
  line-height:1;
}
.hero-badge .txt{ font-size:0.82rem; color: var(--ink-soft); line-height:1.3; }

.contact-card{
  position:absolute;
  right: -14px;
  top: 12%;
  background: var(--navy);
  color:#fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  padding: 10px;
  display:flex;
  flex-direction:column;
  gap:2px;
  width:198px;
}
.contact-card a{
  display:flex; align-items:center; gap:12px;
  padding:11px 12px;
  border-radius: var(--radius);
  font-size:0.85rem;
  font-weight:500;
  transition: background .2s;
}
.contact-card a:hover{ background: rgba(255,255,255,0.08); }
.contact-card .ic{
  width:32px; height:32px; border-radius:50%;
  background: rgba(195,154,95,0.18);
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.contact-card svg{ width:15px; height:15px; color: var(--gold-light); }

@media (max-width: 980px){
  .hero .container{ grid-template-columns:1fr; }
  .hero-visual{ max-width:380px; margin: 8px auto 0; order:-1; }
  .contact-card{ position:static; width:100%; flex-direction:row; flex-wrap:wrap; margin-top:16px; }
  .contact-card a{ flex:1 1 45%; justify-content:center; }
  .hero-badge{ left:12px; }
}
@media (max-width: 560px){
  .hero-copy{ text-align:center; }
  .hero-copy > p{ margin-left:auto; margin-right:auto; }
  .hero-copy .eyebrow{ justify-content:center; }
  .hero-checks{ align-items:center; }
  .hero-checks li{ justify-content:center; }
  .hero-cta{ flex-direction:column; align-items:stretch; }
  .hero-cta .btn{ width:100%; }
  .hero-badge{
    left:50%;
    right:auto;
    bottom:16px;
    transform:translateX(-50%);
    max-width:calc(100% - 24px);
    width:auto;
    padding:12px 14px;
    gap:10px;
  }
  .hero-badge .num{ font-size:1.35rem; }
  .hero-badge .txt{ font-size:0.68rem; line-height:1.25; }
  .contact-card{ text-align:center; }
}

/* ---------- Bank strip ---------- */
.partners{
  background: var(--white);
  border-bottom:1px solid var(--line);
  padding: 30px 0;
}
.partners .container{
  display:flex;
  align-items:center;
  gap: 34px;
  flex-wrap:wrap;
}
.partners-label{
  font-size:0.85rem;
  color: var(--ink-soft);
  font-weight:600;
  flex-shrink:0;
  max-width:130px;
  line-height:1.35;
}
.partners-track{
  display:flex;
  gap: clamp(20px,4vw,44px);
  flex-wrap:wrap;
  flex:1;
}
.bank-chip{
  font-family: var(--ff-display);
  font-weight:600;
  font-size:1.05rem;
  color: var(--navy-soft);
  opacity:0.72;
  letter-spacing:0.01em;
  transition: opacity .2s, color .2s;
}
.bank-chip:hover{ opacity:1; color:var(--navy); }

/* ---------- Services ---------- */
.section{ padding: clamp(64px, 9vw, 108px) 0; }
.section-alt{ background: var(--cream-2); }

.services-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card{
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 34px 28px;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s;
}
.service-card:hover{
  transform: translateY(-6px);
  box-shadow: var(--shadow-sm);
  border-color: transparent;
}
.service-icon{
  width:52px; height:52px;
  border-radius:50%;
  background: var(--cream-2);
  display:flex; align-items:center; justify-content:center;
  margin-bottom:20px;
  transition: background .3s;
}
.service-card:hover .service-icon{ background: var(--gold-dark); }
.service-icon svg{ width:24px; height:24px; color: var(--gold-dark); transition: color .3s; }
.service-card:hover .service-icon svg{ color:#fff; }
.service-card h3{ font-size:1.12rem; margin-bottom:9px; }
.service-card p{ color: var(--ink-soft); font-size:0.93rem; margin:0; }

@media (max-width: 900px){ .services-grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px){
  .services-grid{ grid-template-columns: 1fr; }
  .service-card{ text-align:center; padding:28px 22px; }
  .service-icon{ margin-left:auto; margin-right:auto; }
}

/* ---------- About teaser ---------- */
.about{
  display:grid;
  grid-template-columns: minmax(0,0.85fr) minmax(0,1.15fr);
  gap: 60px;
  align-items:center;
}
.about > *{ min-width:0; }
.about-photo{
  position:relative;
  border-radius: var(--radius-lg);
  overflow:hidden;
  box-shadow: var(--shadow-sm);
}
.about-photo img{ width:100%; aspect-ratio: 4/5; object-fit:cover; }
.about-stats{
  position:absolute;
  bottom:20px; left:20px; right:20px;
  background: rgba(22,33,62,0.88);
  backdrop-filter: blur(4px);
  border-radius: var(--radius);
  padding:16px 18px;
  display:flex;
  justify-content:space-around;
  color:#fff;
}
.about-stats div{ text-align:center; }
.about-stats strong{ display:block; font-family: var(--ff-display); font-size:1.35rem; color: var(--gold-light); }
.about-stats span{ font-size:0.72rem; color:rgba(255,255,255,0.75); }
.about-text h2{ font-size: clamp(1.6rem,3vw,2.15rem); margin-top:12px; }
.about-text p{ color: var(--ink-soft); margin-top:16px; max-width:52ch; }
.about-list{ margin-top:22px; display:flex; flex-direction:column; gap:12px; }
.about-list li{ display:flex; gap:12px; align-items:flex-start; font-size:0.95rem; }
.about-list svg{ width:18px; height:18px; color: var(--gold-dark); flex-shrink:0; margin-top:2px; }
.about-text .btn{ margin-top:28px; }

@media (max-width: 900px){
  .about{ grid-template-columns:1fr; }
  .about-photo{ max-width:340px; margin:0 auto; }
}
@media (max-width: 560px){
  .about-text{ text-align:center; }
  .about-text .eyebrow{ justify-content:center; }
  .about-text p{ margin-left:auto; margin-right:auto; }
  .about-list{ align-items:center; }
  .about-list li{ justify-content:center; text-align:center; }
  .about-text .btn{ margin-left:auto; margin-right:auto; }
  .about-stats{
    justify-content:space-between;
    flex-wrap:nowrap;
    gap:6px;
    padding:12px 10px;
  }
  .about-stats div{ flex:1 1 0; min-width:0; }
  .about-stats strong{ font-size:1.05rem; }
  .about-stats span{ font-size:0.62rem; line-height:1.25; display:block; }
}

/* ---------- Process ---------- */
.process{
  display:grid;
  grid-template-columns: minmax(0,1fr) minmax(0,1.15fr);
  gap:56px;
  align-items:center;
}
.process > *{ min-width:0; }
.process-photo{
  border-radius: var(--radius-lg);
  overflow:hidden;
  box-shadow: var(--shadow-sm);
  aspect-ratio: 4/3;
}
.process-photo img{ width:100%; height:100%; object-fit:cover; }
.process-steps{ counter-reset: step; }
.process-step{
  display:flex;
  gap:20px;
  padding: 20px 0;
  border-bottom: 1px solid var(--line);
}
.process-step:last-child{ border-bottom:none; }
.step-num{
  font-family: var(--ff-display);
  font-weight:700;
  font-size:1.5rem;
  color: var(--gold-light);
  -webkit-text-stroke: 1.4px var(--gold-dark);
  color: transparent;
  flex-shrink:0;
  width:44px;
  line-height:1;
  padding-top:4px;
}
.step-body h3{ font-size:1.05rem; margin-bottom:4px; }
.step-body p{ color: var(--ink-soft); font-size:0.92rem; margin:0; }

@media (max-width: 900px){
  .process{ grid-template-columns:1fr; }
  .process-photo{ order:-1; max-width:460px; margin:0 auto; }
}
@media (max-width: 560px){
  .process-step{
    flex-direction:column;
    align-items:center;
    text-align:center;
    gap:10px;
    padding:18px 0;
  }
  .step-num{ width:auto; padding-top:0; }
}

/* ---------- Testimonials + form ---------- */
.split{
  display:grid;
  grid-template-columns: minmax(0,1.15fr) minmax(0,0.85fr);
  gap: 56px;
  align-items:start;
  width:100%;
}
.split > *{ min-width:0; }
.testimonial-photo{
  border-radius: var(--radius-lg);
  overflow:hidden;
  margin-bottom:30px;
  box-shadow: var(--shadow-sm);
  max-height:230px;
}
.testimonial-photo img{ width:100%; height:100%; object-fit:cover; }

.t-track{ display:flex; gap:22px; overflow-x:auto; scroll-snap-type: x mandatory; padding-bottom:8px; margin: 0 -4px; }
.t-track::-webkit-scrollbar{ height:5px; }
.t-track::-webkit-scrollbar-thumb{ background: var(--line); border-radius:5px; }
.t-card{
  scroll-snap-align:start;
  flex: 0 0 min(320px, 84vw);
  background: var(--white);
  border:1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 26px 24px;
}
.stars{ display:flex; gap:3px; color: var(--gold-dark); margin-bottom:14px; }
.stars svg{ width:15px; height:15px; }
.t-card p{ font-size:0.94rem; color: var(--ink); margin:0 0 16px; min-height:96px; }
.t-author{ font-weight:600; font-size:0.9rem; color: var(--navy); }

.check-card{
  background: var(--navy);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 34px 30px;
  box-shadow: var(--shadow);
  position: sticky;
  top: 100px;
}
.check-card h3{ color:#fff; font-size:1.3rem; }
.check-card p{ color: rgba(255,255,255,0.72); font-size:0.9rem; margin-top:10px; }
.form-field{ margin-top:16px; }
.form-field label{ display:block; font-size:0.78rem; margin-bottom:6px; color: rgba(255,255,255,0.65); }
.form-field input{
  width:100%;
  padding: 12px 14px;
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.06);
  color:#fff;
}
.form-field input::placeholder{ color: rgba(255,255,255,0.4); }
.form-field input:focus{ border-color: var(--gold-light); background: rgba(255,255,255,0.1); }
.check-card .btn{ margin-top:22px; }
.form-note{
  display:flex; align-items:center; gap:8px;
  margin-top:16px;
  font-size:0.76rem;
  color: rgba(255,255,255,0.5);
}
.form-note svg{ width:14px; height:14px; flex-shrink:0; }
.form-success{
  display:none;
  margin-top:16px;
  font-size:0.85rem;
  background: rgba(195,154,95,0.18);
  border:1px solid var(--gold-dark);
  padding:12px 14px;
  border-radius: var(--radius);
}
.form-success.show{ display:block; }

@media (max-width: 900px){
  .split{ grid-template-columns:1fr; }
  .check-card{ position:static; }
}
@media (max-width: 560px){
  .split{ text-align:center; }
  .split .eyebrow{ justify-content:center; }
  .t-card{ text-align:center; }
  .stars{ justify-content:center; }
  .check-card{ text-align:center; padding:28px 20px; }
  .form-field label{ text-align:center; }
  .form-note{ justify-content:center; text-align:center; }
  .form-consent{ justify-content:center; text-align:left; }
}

/* ---------- CTA banner ---------- */
.cta-banner{
  position:relative;
  background: var(--navy);
  color:#fff;
  overflow:hidden;
}
.cta-banner-bg{
  position:absolute; inset:0;
}
.cta-banner-bg img{ width:100%; height:100%; object-fit:cover; }
.cta-banner-bg::after{
  content:"";
  position:absolute; inset:0;
  background: linear-gradient(100deg, rgba(22,33,62,0.94) 28%, rgba(22,33,62,0.55) 65%, rgba(22,33,62,0.25) 100%);
}
.cta-banner .container{
  position:relative;
  z-index:2;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:30px;
  flex-wrap:wrap;
  padding-top:56px;
  padding-bottom:56px;
}
.cta-banner-text{ display:flex; align-items:center; gap:20px; max-width:560px; }
.cta-icon{
  width:56px; height:56px;
  border-radius:50%;
  background: rgba(195,154,95,0.2);
  border:1px solid rgba(195,154,95,0.5);
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.cta-icon svg{ width:24px; height:24px; color: var(--gold-light); }
.cta-banner-text h2{ color:#fff; font-size: clamp(1.3rem,2.4vw,1.65rem); }
.cta-banner-text p{ color: rgba(255,255,255,0.75); margin-top:6px; font-size:0.95rem; }
.cta-banner-actions{ display:flex; gap:14px; flex-wrap:wrap; }
.cta-banner-actions .btn-outline{ color:#fff; border-color: rgba(255,255,255,0.4); }
.cta-banner-actions .btn-outline:hover{ border-color:#fff; }

@media (max-width: 560px){
  .cta-banner .container{
    flex-direction:column;
    text-align:center;
    padding-top:40px;
    padding-bottom:40px;
  }
  .cta-banner-text{
    flex-direction:column;
    align-items:center;
    max-width:none;
  }
  .cta-banner-actions{
    flex-direction:column;
    align-items:stretch;
    width:100%;
  }
  .cta-banner-actions .btn{ width:100%; }
}

/* ---------- Footer ---------- */
.site-footer{
  background: var(--navy);
  color: rgba(255,255,255,0.68);
  padding-top: 64px;
  font-size:0.89rem;
}
.footer-grid{
  display:grid;
  grid-template-columns: minmax(0,1.5fr) repeat(3, minmax(0,1fr));
  gap: 36px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-grid > *{ min-width:0; }
.footer-brand .logo{ min-width:0; }
.footer-brand .logo-text{ min-width:0; }
.footer-brand .logo-text .name{
  color:#fff;
  overflow-wrap:anywhere;
}
.footer-brand p{ margin-top:16px; line-height:1.6; max-width: 30ch; }
.footer-brand .social{ margin-top:18px; }
.footer-col h4{
  color:#fff;
  font-family: var(--ff-body);
  font-size:0.82rem;
  letter-spacing:0.08em;
  text-transform:uppercase;
  font-weight:600;
  margin-bottom:16px;
}
.footer-col ul{ display:flex; flex-direction:column; gap:11px; }
.footer-col a{ transition: color .2s; overflow-wrap:anywhere; }
.footer-col a:hover{ color: var(--gold-light); }
.footer-col li{ display:flex; align-items:flex-start; gap:9px; min-width:0; }
.footer-col li > *:not(svg){ min-width:0; overflow-wrap:anywhere; }
.footer-col svg{ width:15px; height:15px; margin-top:3px; color: var(--gold-dark); flex-shrink:0; }

.footer-bottom{
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding: 20px 0;
  font-size:0.82rem;
  flex-wrap:wrap;
  gap:12px 24px;
}
.footer-bottom > span,
.footer-legal,
.footer-credit{
  min-width:0;
  overflow-wrap:anywhere;
}
.footer-credit{
  margin:0;
  color: rgba(255,255,255,0.55);
  letter-spacing:0.02em;
}
.footer-credit a{
  color: var(--gold-light);
  font-weight:600;
  margin-left:4px;
  transition: color .2s, opacity .2s;
}
.footer-credit a:hover{ color:#fff; }
.footer-legal{
  display:flex;
  flex-wrap:wrap;
  gap:8px 18px;
}
.footer-legal a{
  margin-left:0;
  transition:color .2s;
}
.footer-legal a:hover{ color: var(--gold-light); }

@media (max-width: 980px){
  .footer-grid{ grid-template-columns: 1fr 1fr; gap: 28px 24px; }
  .footer-bottom{ gap:10px 16px; }
}
@media (max-width: 720px){
  .footer-bottom{
    flex-direction:column;
    align-items:flex-start;
    gap:10px;
  }
}
@media (max-width: 560px){
  .footer-grid{ grid-template-columns: 1fr; text-align:center; gap: 32px; }
  .footer-brand p{ margin-left:auto; margin-right:auto; }
  .footer-brand .logo{ justify-content:center; }
  .footer-brand .social{ justify-content:center; }
  .footer-col ul{ align-items:center; }
  .footer-col li{ justify-content:center; }
  .footer-bottom{
    flex-direction:column;
    align-items:center;
    text-align:center;
    gap:10px;
  }
  .footer-legal{ justify-content:center; }
  .partners .container{ justify-content:center; text-align:center; }
  .partners-label{ max-width:none; }
}

/* ---------- Reveal on scroll ---------- */
.reveal{
  opacity:0;
  transform: translateY(26px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
}
.reveal.in{ opacity:1; transform:none; }

/* back to top */
.to-top{
  position:fixed;
  right:24px; bottom:24px;
  width:46px; height:46px;
  border-radius:50%;
  background: var(--navy);
  color:#fff;
  display:flex; align-items:center; justify-content:center;
  box-shadow: var(--shadow-sm);
  opacity:0; visibility:hidden; transform: translateY(10px);
  transition: opacity .25s, transform .25s, visibility .25s, background .2s;
  z-index:50;
  border:none;
}
.to-top.show{ opacity:1; visibility:visible; transform:none; }
.to-top:hover{ background: var(--gold-dark); }
.to-top svg{ width:18px; height:18px; }

/* ---------- Form extras (CMS) ---------- */
.form-error{
  display:none;
  margin-top:16px;
  font-size:0.85rem;
  background:rgba(140,40,40,0.18);
  border:1px solid #c46a6a;
  color:#ffd7d7;
  padding:12px 14px;
  border-radius:var(--radius);
}
.form-error.show{ display:block; }
.form-consent{
  display:flex;
  gap:10px;
  align-items:flex-start;
  margin-top:16px;
  font-size:0.78rem;
  color:rgba(255,255,255,0.72);
  line-height:1.45;
}
.form-consent input{
  margin-top:3px;
  flex-shrink:0;
  accent-color:var(--gold);
}
.form-consent a{
  color:var(--gold-light);
  text-decoration:underline;
  text-underline-offset:2px;
}
.form-consent a:hover{ color:#fff; }
.form-note a{
  color:var(--gold-light);
  text-decoration:underline;
  text-underline-offset:2px;
}

/* ---------- Legal page ---------- */
.legal-page{ padding:72px 0 80px; }
.legal-hero{ margin-bottom:36px; max-width:720px; }
.legal-hero h1{
  font-family:var(--ff-display);
  font-size:clamp(2rem,4vw,2.8rem);
  margin:14px 0 12px;
  color:var(--navy);
}
.legal-meta{ margin-top:12px; font-size:0.85rem; color:var(--ink-soft); }
.legal-content{
  max-width:780px;
  display:flex;
  flex-direction:column;
  gap:28px;
}
.legal-content h2{
  font-family:var(--ff-display);
  font-size:1.35rem;
  color:var(--navy);
  margin-bottom:10px;
}
.legal-content p,
.legal-content li{ color:var(--ink-soft); }
.legal-content ul{
  list-style:disc;
  padding-left:1.2rem;
  display:flex;
  flex-direction:column;
  gap:8px;
  margin-top:10px;
}
.legal-content a{ color:var(--gold-dark); text-decoration:underline; text-underline-offset:2px; }

/* ---------- Cookie banner ---------- */
.cookie-banner{
  position:fixed;
  left:0; right:0; bottom:0;
  z-index:80;
  padding:16px;
  background:rgba(22,33,62,0.96);
  color:#fff;
  border-top:1px solid rgba(195,154,95,0.35);
  box-shadow:0 -12px 40px rgba(22,33,62,0.35);
}
.cookie-banner[hidden]{ display:none !important; }
.cookie-banner__inner{
  max-width:1220px;
  margin:0 auto;
  display:flex;
  gap:20px;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
}
.cookie-banner__copy h2{
  font-family:var(--ff-display);
  font-size:1.15rem;
  margin:0 0 6px;
  color:#fff;
}
.cookie-banner__copy p{
  margin:0;
  font-size:0.86rem;
  color:rgba(255,255,255,0.75);
  max-width:64ch;
}
.cookie-banner__copy a{ color:var(--gold-light); text-decoration:underline; text-underline-offset:2px; }
.cookie-banner__actions{ display:flex; gap:10px; flex-wrap:wrap; }
.cookie-banner__actions .btn{ white-space:nowrap; }
.cookie-banner__actions .btn-outline{
  color:#fff;
  border-color:rgba(255,255,255,0.35);
}
.cookie-banner__actions .btn-outline:hover{ border-color:#fff; }
body.cookie-banner-visible .to-top{ bottom:calc(24px + 140px); }
@media (max-width:720px){
  .cookie-banner__actions{ flex-direction:column; align-items:stretch; width:100%; }
  .cookie-banner__actions .btn{ width:100%; }
  body.cookie-banner-visible .to-top{ bottom:calc(24px + 200px); }
}