/* Pewna Emerytura — style strony
   Czerń + żywy niebieski, żółty tylko jako akcent słów-kluczy (ciągłość z grafikami marki). */
:root{
  --bg:#05070C;
  --bg-2:#0A0F1C;
  --card:#0D1322;
  --card-2:#111A2E;
  --line:rgba(110,160,255,.16);
  --line-strong:rgba(110,160,255,.32);
  --blue:#1F6FFF;
  --blue-2:#3D8BFF;
  --cyan:#38D1FF;
  --yellow:#FCC946;
  --text:#EEF3FF;
  --muted:#9DABC7;
  --r:20px;
  --r-sm:12px;
  --wrap:1180px;
  --font-head:'Poppins',system-ui,sans-serif;
  --font-body:'Inter',system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{background:var(--bg);color:var(--text);font-family:var(--font-body);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden;overflow-x:clip}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3,h4{font-family:var(--font-head);line-height:1.15;letter-spacing:-.01em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip{position:absolute;left:-999px;top:8px;background:var(--blue);color:#fff;padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:12px}
:focus-visible{outline:2px solid var(--cyan);outline-offset:3px;border-radius:6px}

/* tło: siatka + poświata */
.grid-bg{position:relative;isolation:isolate}
.grid-bg::before{content:"";position:absolute;inset:0;z-index:-1;
  background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);
  background-size:64px 64px;
  mask-image:radial-gradient(ellipse 70% 60% at 50% 30%,#000 30%,transparent 75%);
  -webkit-mask-image:radial-gradient(ellipse 70% 60% at 50% 30%,#000 30%,transparent 75%);opacity:.55}

/* nawigacja */
.nav{position:fixed;top:14px;left:0;right:0;z-index:50}
.nav-in{display:flex;align-items:center;justify-content:space-between;gap:20px;background:rgba(8,12,22,.72);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid var(--line);border-radius:16px;padding:10px 12px 10px 18px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:var(--font-head);font-weight:700;font-size:17px;white-space:nowrap}
.brand small{display:block;font-weight:500;font-size:11.5px;color:var(--muted);letter-spacing:.02em;margin-top:-2px}
.nav ul{display:flex;gap:26px;list-style:none;font-size:15px}
.nav ul a{text-decoration:none;color:var(--muted);transition:color .2s}
.nav ul a:hover{color:var(--text)}
.menu-btn{display:none;background:none;border:1px solid var(--line);color:var(--text);border-radius:10px;width:42px;height:42px;cursor:pointer}

/* przyciski — prostokąt z miękkim narożnikiem, nie pigułka */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--font-head);font-weight:600;font-size:15.5px;text-decoration:none;border-radius:var(--r-sm);padding:14px 22px;border:1px solid transparent;cursor:pointer;transition:transform .2s,box-shadow .2s,background .2s,border-color .2s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 0 0 1px rgba(255,255,255,.08) inset,0 10px 30px -8px rgba(31,111,255,.7)}
.btn-primary:hover{background:var(--blue-2);box-shadow:0 0 0 1px rgba(255,255,255,.12) inset,0 14px 40px -6px rgba(61,139,255,.85)}
.btn-ghost{background:rgba(255,255,255,.03);color:var(--text);border-color:var(--line-strong)}
.btn-ghost:hover{border-color:var(--blue-2);background:rgba(31,111,255,.1)}
.btn-sm{padding:10px 16px;font-size:14px}
.btn svg{flex:none}

/* fale z punktów (canvas) */
.waves{position:absolute;left:0;bottom:0;width:100%;height:66%;z-index:-1;pointer-events:none;
  mask-image:linear-gradient(to top,#000 55%,transparent);-webkit-mask-image:linear-gradient(to top,#000 55%,transparent)}

/* hero */
.hero{padding:150px 0 230px;position:relative;overflow:hidden;isolation:isolate}
.hero-glow{position:absolute;z-index:-1;width:900px;height:900px;right:-260px;top:-160px;background:radial-gradient(circle,rgba(31,111,255,.38),rgba(56,209,255,.08) 45%,transparent 68%);filter:blur(10px);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:56px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:13.5px;font-weight:500;color:var(--muted);border:1px solid var(--line);background:rgba(13,19,34,.7);border-radius:8px;padding:7px 12px;margin-bottom:24px}
.dot{width:8px;height:8px;border-radius:50%;background:var(--cyan);box-shadow:0 0 10px var(--cyan);flex:none}
.hero h1{font-size:clamp(34px,4.6vw,58px);font-weight:700;margin-bottom:22px}
.grad{background:linear-gradient(90deg,var(--blue-2),var(--cyan));-webkit-background-clip:text;background-clip:text;color:transparent}
.key{color:var(--yellow)}
.lead{font-size:clamp(17px,1.6vw,19.5px);color:var(--muted);max-width:560px;margin-bottom:32px}
.lead strong{color:var(--text);font-weight:600}
.btns{display:flex;gap:12px;flex-wrap:wrap}
.hero-meta{display:flex;gap:22px;flex-wrap:wrap;margin-top:34px;font-size:14px;color:var(--muted)}
.hero-meta span{display:flex;align-items:center;gap:8px}
.hero-meta b{color:var(--text);font-weight:600}

/* motyw „wschodu słońca”: portret w kole na tle łuków horyzontu */
.sunrise{position:relative;aspect-ratio:1;max-width:460px;margin:0 auto;width:100%}
.ring{position:absolute;inset:0;border-radius:50%;border:1px solid var(--line-strong)}
.ring.r2{inset:-9%;border-color:var(--line);border-style:dashed}
.ring.r3{inset:-20%;border-color:rgba(110,160,255,.08)}
.portrait{position:absolute;inset:7%;border-radius:50%;overflow:hidden;background:radial-gradient(circle at 50% 35%,#1C3D7A,#0A1430 70%);box-shadow:0 0 0 1px rgba(255,255,255,.06),0 30px 80px -20px rgba(31,111,255,.65)}
.portrait img{position:relative;width:100%;height:100%;object-fit:cover;object-position:50% 25%}
.about-photo img{position:relative;object-position:50% 20%}
.review-link{margin-top:28px;display:inline-flex;white-space:normal;text-align:center;max-width:100%}
.portrait .initials{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;font-size:clamp(56px,9vw,96px);color:rgba(238,243,255,.9)}
.horizon{position:absolute;left:-12%;right:-12%;bottom:12%;height:2px;background:linear-gradient(90deg,transparent,var(--cyan),transparent);box-shadow:0 0 22px var(--cyan)}
.chip{position:absolute;background:rgba(13,19,34,.88);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border:1px solid var(--line-strong);border-radius:12px;padding:10px 14px;font-size:13.5px;line-height:1.3;box-shadow:0 12px 30px -12px rgba(0,0,0,.8)}
.chip b{display:block;font-family:var(--font-head);font-size:16px}
.chip.c1{left:-6%;top:12%}
.chip.c2{right:-8%;top:44%}
.chip.c3{left:4%;bottom:0}
.stars{color:var(--yellow);letter-spacing:2px}

/* pasek zaufania */
.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--bg-2)}
.strip ul{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;list-style:none;padding:22px 0;font-family:var(--font-head);font-weight:500;font-size:15px;color:var(--muted)}
.strip li{display:flex;align-items:center;gap:10px}
.strip li::before{content:"";width:18px;height:2px;background:var(--blue-2);box-shadow:0 0 8px var(--blue-2)}

/* sekcje */
section{padding:110px 0}
.sec-head{max-width:760px;margin-bottom:56px}
.tag{display:inline-block;font-family:var(--font-head);font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--cyan);margin-bottom:14px}
.sec-head h2{font-size:clamp(30px,4vw,46px);font-weight:700;margin-bottom:16px}
.sec-head p{color:var(--muted);font-size:18px}

/* karty usług */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{position:relative;background:linear-gradient(180deg,var(--card-2),var(--card));border:1px solid var(--line);border-radius:var(--r);padding:30px 28px;transition:border-color .25s,transform .25s;overflow:hidden}
.card::after{content:"";position:absolute;left:28px;right:28px;top:0;height:1px;background:linear-gradient(90deg,transparent,var(--blue-2),transparent);opacity:0;transition:opacity .25s}
.card:hover{border-color:var(--line-strong);transform:translateY(-3px)}
.card:hover::after{opacity:1}
.ico{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;background:rgba(31,111,255,.14);border:1px solid rgba(61,139,255,.35);margin-bottom:20px;color:var(--blue-2)}
.card h3{font-size:20px;font-weight:600;margin-bottom:6px}
.card .if{font-size:14.5px;color:var(--cyan);margin-bottom:12px;font-weight:500}
.card p{color:var(--muted);font-size:15.5px}

/* kalkulator */
.calc{display:grid;grid-template-columns:.9fr 1.1fr;gap:20px;background:var(--card);border:1px solid var(--line);border-radius:24px;padding:20px}
.calc-in{padding:20px}
.field{margin-bottom:26px}
.field label{display:flex;justify-content:space-between;font-family:var(--font-head);font-weight:500;font-size:15px;margin-bottom:10px}
.field output{color:var(--cyan);font-weight:600}
input[type=range]{width:100%;accent-color:var(--blue-2);height:28px;cursor:pointer}
.calc-note{font-size:13px;color:var(--muted);line-height:1.5}
.calc-out{background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:26px}
.bar-row{margin-bottom:22px}
.bar-row:last-of-type{margin-bottom:8px}
.bar-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:8px;font-size:15px}
.bar-top b{font-family:var(--font-head);font-size:22px}
.bar-top span{color:var(--muted)}
.bar{height:14px;border-radius:4px;background:rgba(110,160,255,.1);overflow:hidden}
.bar i{display:block;height:100%;border-radius:4px;background:linear-gradient(90deg,var(--blue),var(--cyan));transition:width .5s cubic-bezier(.2,.8,.2,1)}
.bar-row.late .bar i{background:linear-gradient(90deg,#33456B,#55688F)}
.calc-sum{margin-top:22px;padding-top:20px;border-top:1px solid var(--line);font-size:16px}
.calc-sum b{color:var(--yellow);font-family:var(--font-head)}

/* kroki */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:s}
.step{border-top:2px solid var(--line-strong);padding-top:22px;position:relative}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--font-head);font-weight:700;font-size:15px;color:var(--cyan);display:block;margin-bottom:12px}
.step::after{content:"";position:absolute;top:-2px;left:0;width:48px;height:2px;background:var(--cyan);box-shadow:0 0 12px var(--cyan)}
.step h3{font-size:19px;font-weight:600;margin-bottom:8px}
.step p{color:var(--muted);font-size:15.5px}

/* o mnie */
.about{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:start}
.about-photo{position:sticky;top:110px;border-radius:24px;overflow:hidden;aspect-ratio:4/5;background:radial-gradient(circle at 50% 30%,#1C3D7A,#0A1430 75%);border:1px solid var(--line)}
.about-photo img{width:100%;height:100%;object-fit:cover}
.about-photo .initials{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;font-size:96px;color:rgba(238,243,255,.85)}
.about-photo figcaption{position:absolute;left:16px;right:16px;bottom:16px;background:rgba(5,7,12,.78);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border:1px solid var(--line);border-radius:12px;padding:12px 16px;font-size:14px}
.about-photo figcaption b{display:block;font-family:var(--font-head);font-size:17px}
.about-text p{color:var(--muted);margin-bottom:18px}
.about-text p strong{color:var(--text)}
.quote{border-left:3px solid var(--blue-2);background:rgba(31,111,255,.07);border-radius:0 14px 14px 0;padding:20px 24px;margin:28px 0;font-family:var(--font-head);font-size:19px;line-height:1.45}
.values{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:28px}
.value{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px 18px}
.value b{font-family:var(--font-head);display:block;margin-bottom:2px}
.value span{font-size:14.5px;color:var(--muted)}

/* opinie */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.review{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px;display:flex;flex-direction:column;gap:14px}
.review blockquote{font-size:16px;line-height:1.6;flex:1}
.review footer{font-size:13.5px;color:var(--muted)}

/* FAQ */
.faq{max-width:860px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 0;font-family:var(--font-head);font-weight:600;font-size:18px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;width:32px;height:32px;border-radius:8px;border:1px solid var(--line-strong);display:flex;align-items:center;justify-content:center;font-weight:400;font-size:20px;color:var(--cyan);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .ans{padding:0 0 24px;color:var(--muted);max-width:760px}
.faq .ans p+p{margin-top:12px}

/* CTA końcowe */
.final{position:relative;isolation:isolate;border:1px solid var(--line-strong);border-radius:28px;padding:64px 40px 150px;text-align:center;overflow:hidden;background:radial-gradient(ellipse 80% 120% at 50% 120%,rgba(31,111,255,.45),transparent 60%),var(--bg-2)}
.final::before{content:"";position:absolute;left:10%;right:10%;bottom:0;height:2px;background:linear-gradient(90deg,transparent,var(--cyan),transparent);box-shadow:0 0 30px var(--cyan)}
.final h2{font-size:clamp(28px,4vw,44px);margin-bottom:16px}
.final p{color:var(--muted);max-width:600px;margin:0 auto 30px;font-size:18px}
.final .btns{justify-content:center}
.contact-list{display:flex;justify-content:center;gap:28px;flex-wrap:wrap;margin-top:34px;list-style:none;font-size:15.5px}
.contact-list a{text-decoration:none;color:var(--muted);display:flex;align-items:center;gap:8px;transition:color .2s}
.contact-list a:hover{color:var(--text)}

/* stopka */
.site-footer{border-top:1px solid var(--line);margin-top:110px;padding:44px 0 36px;font-size:14px;color:var(--muted)}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px;margin-bottom:30px}
.site-footer h3{font-size:15px;color:var(--text);margin-bottom:12px}
.site-footer ul{list-style:none;display:grid;gap:6px}
.site-footer a{text-decoration:none}
.site-footer a:hover{color:var(--text)}
.legal{border-top:1px solid var(--line);padding-top:22px;font-size:12.5px;line-height:1.6}

/* podstrony tekstowe */
.doc{padding:150px 0 40px;max-width:820px}
.doc h1{font-size:clamp(30px,4vw,44px);margin-bottom:24px}
.doc h2{font-size:22px;margin:36px 0 12px}
.doc p,.doc li{color:var(--muted);margin-bottom:12px}
.doc ul{padding-left:20px}

/* animacja wejścia */
.js .reveal{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s ease}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}.reveal{opacity:1;transform:none}}

/* responsywność */
@media (max-width:1000px){
  .cards,.reviews{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);row-gap:34px}
  .calc{grid-template-columns:1fr}
}
@media (max-width:860px){
  .nav ul{display:none;position:absolute;top:66px;left:20px;right:20px;flex-direction:column;gap:0;background:rgba(8,12,22,.96);border:1px solid var(--line);border-radius:14px;padding:8px}
  .nav ul.open{display:flex}
  .nav ul a{display:block;padding:12px 14px;color:var(--text)}
  .menu-btn{display:inline-flex;align-items:center;justify-content:center}
  .nav .btn-sm{display:none}
  .hero{padding:120px 0 150px}
  .hero-grid,.about{grid-template-columns:1fr;gap:48px}
  .sunrise{max-width:340px}
  .chip.c1{left:-2%}
  .chip.c2{right:-2%}
  .about-photo{position:relative;top:0;max-width:420px}
  .foot-grid{grid-template-columns:1fr;gap:26px}
  section{padding:80px 0}
}
@media (max-width:600px){
  .cards,.reviews,.values{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .strip ul{justify-content:flex-start}
  .final{padding:48px 20px}
  .calc{padding:10px}
  .calc-in{padding:14px}
  .btns .btn{width:100%}
  .chip{font-size:12px;padding:8px 10px}
  .chip b{font-size:14px}
}