*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :root {
      --blue: #1d4ed8; --blue-dark: #1e3a8a; --blue-light: #eff6ff;
      --green: #16a34a; --green-light: #dcfce7; --green-dark: #15803d;
      --purple: #7c3aed; --purple-light: #f3e8ff;
      --indigo: #4f46e5; --indigo-light: #e0e7ff;
      --gold: #f59e0b;
      --gray-50: #f8fafc; --gray-100: #f1f5f9; --gray-200: #e2e8f0;
      --gray-400: #94a3b8; --gray-600: #475569; --gray-800: #1e293b; --gray-900: #0f172a;
    }
    html { scroll-behavior: smooth; }
    body { font-family: 'Inter', sans-serif; color: var(--gray-900); background: #fff; font-size: 16px; }

    /* ── TOPBAR ── */
    .topbar { background: var(--blue); color: #fff; text-align: center; padding: 10px 16px; font-size: 13px; font-weight: 600; }
    .topbar-inner { display: flex; align-items: center; justify-content: center; gap: 16px; flex-wrap: wrap; }
    .topbar-item { display: flex; align-items: center; gap: 5px; }

    /* ── NAV ── */
    nav {
      display: flex; align-items: center; justify-content: space-between;
      padding: 14px 4%; border-bottom: 1px solid var(--gray-200);
      position: sticky; top: 0; background: #fff; z-index: 200;
      box-shadow: 0 1px 8px rgba(0,0,0,.07);
    }
    .logo { font-size: 20px; font-weight: 900; color: var(--blue); text-decoration: none; line-height: 1.1; }
    .logo small { display: block; font-size: 9px; font-weight: 600; color: var(--gray-400); letter-spacing: .08em; text-transform: uppercase; }
    .nav-links { display: flex; gap: 4px; list-style: none; }
    .nav-links a {
      text-decoration: none; color: var(--gray-600); font-size: 13px; font-weight: 600;
      padding: 8px 10px; border-radius: 8px; transition: all .2s;
    }
    .nav-links a:hover { color: var(--blue); background: var(--blue-light); }
    .nav-cta {
      background: var(--blue); color: #fff; padding: 10px 18px; border-radius: 10px;
      font-weight: 700; font-size: 13px; text-decoration: none; transition: background .2s; white-space: nowrap;
    }
    .nav-cta:hover { background: var(--blue-dark); }
    .hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; }
    .hamburger span { width: 22px; height: 2px; background: var(--gray-800); border-radius: 2px; display: block; transition: all .3s; }
    .mobile-menu {
      display: none; position: fixed; top: 57px; left: 0; right: 0; bottom: 0;
      background: #fff; z-index: 199; padding: 20px 4%; overflow-y: auto;
      flex-direction: column; gap: 4px; border-top: 1px solid var(--gray-100);
    }
    .mobile-menu.open { display: flex; }
    .mobile-menu a {
      display: block; padding: 14px 16px; text-decoration: none; color: var(--gray-800);
      font-size: 16px; font-weight: 700; border-radius: 12px; transition: background .15s;
    }
    .mobile-menu a:hover { background: var(--gray-100); }
    .mobile-menu .mobile-cta {
      background: var(--blue); color: #fff; text-align: center;
      margin-top: 12px; padding: 16px; font-size: 17px;
    }

    /* ── HERO ── */
    .hero { background: linear-gradient(160deg, #eff6ff 0%, #f0fdf4 100%); padding: 32px 4% 28px; }
    .hero-inner { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
    .hero-badge { display: inline-flex; align-items: center; gap: 6px; background: var(--blue-light); color: var(--blue-dark); font-size: 12px; font-weight: 700; padding: 5px 12px; border-radius: 20px; margin-bottom: 14px; }
    .hero h1 { font-size: 36px; font-weight: 900; line-height: 1.15; margin-bottom: 14px; }
    .hero h1 em { color: var(--blue); font-style: normal; }
    .hero-sub { font-size: 15px; color: var(--gray-600); line-height: 1.6; margin-bottom: 20px; }
    .hero-checks { display: flex; flex-direction: column; gap: 9px; margin-bottom: 24px; list-style: none; }
    .hero-checks li { display: flex; align-items: center; gap: 9px; font-size: 14px; font-weight: 500; }
    .hero-checks li::before { content: "✓"; background: var(--blue); color: #fff; width: 20px; height: 20px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 900; flex-shrink: 0; }
    .hero-stats { display: flex; gap: 20px; flex-wrap: wrap; }
    .hero-stat { text-align: center; }
    .hero-stat strong { display: block; font-size: 26px; font-weight: 900; color: var(--blue); }
    .hero-stat span { font-size: 11px; color: var(--gray-600); font-weight: 500; }

    /* ── KALKULATOR OSZCZĘDNOŚCI ── */
    .calculator-card { background: #fff; border-radius: 20px; padding: 28px; box-shadow: 0 8px 40px rgba(0,0,0,.13); border: 2px solid var(--blue-light); }
    .calc-title { font-size: 17px; font-weight: 800; margin-bottom: 4px; }
    .calc-sub { font-size: 12px; color: var(--gray-400); margin-bottom: 20px; }
    .calc-label { display: flex; justify-content: space-between; align-items: center; font-size: 13px; font-weight: 700; margin-bottom: 8px; }
    .calc-label .val { color: var(--blue); font-size: 22px; font-weight: 900; }
    input[type=range] { width: 100%; height: 6px; accent-color: var(--blue); cursor: pointer; margin-bottom: 4px; }
    .calc-minmax { display: flex; justify-content: space-between; font-size: 11px; color: var(--gray-400); margin-bottom: 18px; }
    .period-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px; margin-bottom: 20px; }
    .period-btn { padding: 9px 4px; border: 2px solid var(--gray-200); border-radius: 8px; background: #fff; font-size: 12px; font-weight: 700; cursor: pointer; transition: all .2s; text-align: center; font-family: inherit; }
    .period-btn.active { border-color: var(--blue); background: var(--blue-light); color: var(--blue-dark); }
    .calc-result { background: var(--gray-50); border-radius: 12px; padding: 14px; margin-bottom: 8px; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
    .calc-result-item label { font-size: 10px; color: var(--gray-600); font-weight: 600; display: block; margin-bottom: 3px; text-transform: uppercase; letter-spacing: .04em; }
    .calc-result-item strong { font-size: 17px; font-weight: 900; }
    .calc-result-item strong.g { color: var(--green); }
    .calc-asterisk { font-size: 10px; color: var(--gray-400); margin-bottom: 8px; }
    .calc-btn { display: block; width: 100%; padding: 16px; background: var(--blue); color: #fff; border: none; border-radius: 12px; font-size: 16px; font-weight: 800; cursor: pointer; font-family: inherit; transition: background .2s, transform .1s; }
    .calc-btn:hover { background: var(--blue-dark); transform: translateY(-1px); }
    .calc-btn:active { transform: translateY(0); }
    .calc-footer { text-align: center; font-size: 11px; color: var(--gray-400); margin-top: 8px; }

    /* ── MOBYWATEL HIGHLIGHT ── */
    .mobywatel-section { background: linear-gradient(135deg, #eef2ff, #eff6ff); }
    .mobywatel-card { max-width: 780px; margin: 0 auto; background: #fff; border: 2px solid var(--indigo); border-radius: 20px; padding: 28px; display: flex; gap: 20px; align-items: center; flex-wrap: wrap; box-shadow: 0 8px 30px rgba(79,70,229,.1); }
    .mobywatel-icon { font-size: 46px; flex-shrink: 0; }
    .mobywatel-text { flex: 1; min-width: 240px; }
    .mobywatel-text h3 { font-size: 18px; font-weight: 900; margin-bottom: 8px; }
    .mobywatel-text p { font-size: 14px; color: var(--gray-600); line-height: 1.6; margin-bottom: 14px; }
    .mobywatel-text button { display: inline-block; background: var(--indigo); color: #fff; padding: 12px 22px; border-radius: 10px; font-weight: 800; font-size: 14px; text-decoration: none; border: none; cursor: pointer; font-family: inherit; }
    .mobywatel-text button:hover { background: #4338ca; }

    /* ── PARTNERS ── */
    .partners { padding: 24px 4%; border-bottom: 1px solid var(--gray-100); }
    .partners-inner { max-width: 1100px; margin: 0 auto; }
    .partners-label { text-align: center; font-size: 11px; color: var(--gray-400); font-weight: 700; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 16px; }
    .partners-logos { display: flex; align-items: center; justify-content: center; gap: 10px; flex-wrap: wrap; }
    .partner-logo { background: var(--gray-50); border: 1px solid var(--gray-200); border-radius: 8px; padding: 8px 14px; font-weight: 800; font-size: 12px; color: var(--gray-600); white-space: nowrap; }

    /* ── TRUST BAR ── */
    .trust-bar { background: #fff; padding: 18px 4%; border-bottom: 1px solid var(--gray-100); }
    .trust-bar-inner { max-width: 1100px; margin: 0 auto; display: flex; align-items: center; justify-content: center; gap: 24px; flex-wrap: wrap; }
    .trust-item { display: flex; align-items: center; gap: 6px; font-size: 12px; font-weight: 600; color: var(--gray-600); }

    /* ── SECTIONS ── */
    section { padding: 56px 4%; }
    .section-inner { max-width: 1100px; margin: 0 auto; }
    .section-header { text-align: center; margin-bottom: 40px; }
    .section-tag { display: inline-block; background: var(--blue-light); color: var(--blue-dark); font-size: 11px; font-weight: 700; padding: 4px 12px; border-radius: 20px; letter-spacing: .07em; text-transform: uppercase; margin-bottom: 10px; }
    .section-header h2 { font-size: 30px; font-weight: 900; margin-bottom: 10px; }
    .section-header p { font-size: 15px; color: var(--gray-600); max-width: 540px; margin: 0 auto; }

    /* ── OFERTY ── */
    #oferty { background: var(--gray-50); padding: 56px 4%; }
    .filter-bar { display: flex; gap: 8px; flex-wrap: wrap; justify-content: center; margin-bottom: 24px; }
    .filter-btn { padding: 8px 16px; border: 2px solid var(--gray-200); border-radius: 20px; background: #fff; font-size: 12px; font-weight: 700; cursor: pointer; transition: all .2s; font-family: inherit; }
    .filter-btn.active { border-color: var(--blue); background: var(--blue); color: #fff; }

    /* MOBILE CARDS */
    .offers-cards { display: flex; flex-direction: column; gap: 12px; }
    .offer-card {
      background: #fff; border-radius: 16px; border: 1px solid var(--gray-200);
      padding: 18px; box-shadow: 0 2px 12px rgba(0,0,0,.06);
      transition: box-shadow .2s; position: relative; overflow: hidden;
    }
    .offer-card:hover { box-shadow: 0 6px 24px rgba(0,0,0,.1); }
    .offer-card.featured { border-color: var(--blue); border-width: 2px; }
    .offer-card.featured::before { content: '🏆 TOP WYBÓR'; position: absolute; top: 0; right: 0; background: var(--blue); color: #fff; font-size: 10px; font-weight: 800; padding: 4px 10px; border-radius: 0 16px 0 10px; }
    .offer-card.week-deal { border-color: var(--gold); border-width: 2px; }
    .offer-card.week-deal::before { content: '🔥 OFERTA TYGODNIA'; position: absolute; top: 0; right: 0; background: var(--gold); color: #fff; font-size: 10px; font-weight: 800; padding: 4px 10px; border-radius: 0 16px 0 10px; }
    .offer-card.high-bonus { border-color: var(--green); border-width: 2px; }
    .offer-card.high-bonus::before { content: '💰 NAJWYŻSZA PREMIA'; position: absolute; top: 0; right: 0; background: var(--green); color: #fff; font-size: 10px; font-weight: 800; padding: 4px 10px; border-radius: 0 16px 0 10px; }
    .offer-card-top { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; margin-bottom: 14px; flex-wrap: wrap; }
    .offer-lender { font-size: 17px; font-weight: 900; }
    .offer-amount { font-size: 12px; color: var(--gray-600); font-weight: 500; }
    .offer-badges { display: flex; flex-wrap: wrap; gap: 5px; margin-top: 6px; }
    .offer-free, .offer-young, .offer-mobywatel { display: inline-flex; align-items: center; gap: 4px; font-size: 11px; font-weight: 700; padding: 3px 8px; border-radius: 6px; }
    .offer-free { background: var(--green-light); color: var(--green-dark); }
    .offer-young { background: var(--purple-light); color: var(--purple); }
    .offer-mobywatel { background: var(--indigo-light); color: var(--indigo); }
    .offer-pick { background: #fef3c7; color: #92400e; }
    .offer-hidden { display: none !important; }
    .show-all-wrap { text-align: center; margin-top: 20px; }
    .show-all-btn { display: inline-block; padding: 13px 26px; background: #fff; color: var(--blue); border: 2px solid var(--blue); border-radius: 12px; font-size: 14px; font-weight: 800; cursor: pointer; font-family: inherit; transition: all .2s; }
    .show-all-btn:hover { background: var(--blue-light); }
    .offer-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 14px; }
    .offer-stat label { font-size: 10px; color: var(--gray-400); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; display: block; margin-bottom: 3px; }
    .offer-stat strong { font-size: 13px; font-weight: 800; line-height: 1.3; display: block; }
    .offer-stat strong.green { color: var(--green); }
    .offer-actions { display: flex; gap: 8px; align-items: center; }
    .btn-primary { flex: 1; display: block; padding: 14px; background: var(--blue); color: #fff; border-radius: 10px; font-size: 15px; font-weight: 800; text-decoration: none; text-align: center; transition: background .2s; }
    .btn-primary:hover { background: var(--blue-dark); }
    .offer-note { font-size: 11px; color: var(--gray-400); margin-top: 8px; line-height: 1.5; }

    /* DESKTOP TABLE */
    .offers-table-wrap { display: none; }
    .offers-table { width: 100%; border-collapse: collapse; background: #fff; border-radius: 16px; overflow: hidden; box-shadow: 0 4px 24px rgba(0,0,0,.08); }
    .offers-table thead { background: var(--gray-900); color: #fff; }
    .offers-table th { padding: 13px 14px; text-align: left; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; }
    .offers-table tbody tr { border-bottom: 1px solid var(--gray-100); transition: background .15s; }
    .offers-table tbody tr:last-child { border-bottom: none; }
    .offers-table tbody tr:hover { background: var(--gray-50); }
    .offers-table td { padding: 14px; font-size: 12.5px; vertical-align: middle; line-height: 1.4; }
    .lender-name { font-weight: 800; font-size: 14px; }
    .lender-tag { font-size: 10px; font-weight: 700; padding: 2px 7px; border-radius: 8px; display: inline-block; margin-top: 3px; }
    .tag-week { background: #fef3c7; color: #92400e; }
    .tag-pick { background: #fef3c7; color: #92400e; }
    .tag-high { background: var(--green-light); color: var(--green-dark); }
    .tag-top { background: var(--blue-light); color: var(--blue-dark); }
    .tag-new { background: var(--indigo-light); color: var(--indigo); }
    .tbl-cta { display: inline-block; padding: 9px 18px; background: var(--blue); color: #fff; border-radius: 8px; font-size: 13px; font-weight: 700; text-decoration: none; white-space: nowrap; transition: background .2s; }
    .tbl-cta:hover { background: var(--blue-dark); }

    /* ── BENEFITS ── */
    .benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
    .benefit-card { background: #fff; border: 1px solid var(--gray-200); border-radius: 16px; padding: 24px; transition: box-shadow .2s, transform .2s; }
    .benefit-card:hover { box-shadow: 0 8px 32px rgba(0,0,0,.1); transform: translateY(-3px); }
    .benefit-icon { font-size: 34px; margin-bottom: 12px; }
    .benefit-card h3 { font-size: 16px; font-weight: 800; margin-bottom: 7px; }
    .benefit-card p { font-size: 13px; color: var(--gray-600); line-height: 1.6; }

    /* ── PROCES ── */
    #jak-to-dziala { background: linear-gradient(135deg, #eff6ff, #f0fdf4); }
    .steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; position: relative; }
    .steps::before { content: ''; position: absolute; top: 34px; left: 12.5%; right: 12.5%; height: 2px; background: repeating-linear-gradient(90deg, var(--blue) 0 10px, transparent 10px 18px); }
    .step { text-align: center; position: relative; }
    .step-num { width: 68px; height: 68px; background: var(--blue); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 22px; font-weight: 900; margin: 0 auto 14px; border: 4px solid #fff; box-shadow: 0 4px 16px rgba(29,78,216,.3); position: relative; z-index: 1; }
    .step h3 { font-size: 15px; font-weight: 800; margin-bottom: 7px; }
    .step p { font-size: 13px; color: var(--gray-600); line-height: 1.5; }

    /* ── OPINIE ── */
    #opinie { background: var(--gray-900); color: #fff; }
    #opinie .section-tag { background: rgba(255,255,255,.1); color: #fff; }
    #opinie .section-header h2 { color: #fff; }
    #opinie .section-header p { color: var(--gray-400); }
    .reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
    .review-card { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); border-radius: 16px; padding: 20px; }
    .review-header { display: flex; align-items: center; gap: 10px; margin-bottom: 12px; }
    .review-avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--blue); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 14px; flex-shrink: 0; }
    .review-name { font-weight: 700; font-size: 14px; }
    .review-meta { font-size: 11px; color: var(--gray-400); }
    .review-stars { color: #f59e0b; font-size: 14px; margin-bottom: 8px; }
    .review-text { font-size: 13px; color: #d1d5db; line-height: 1.6; }
    .review-amount { margin-top: 10px; font-size: 11px; font-weight: 700; color: var(--green); background: rgba(22,163,74,.15); padding: 3px 9px; border-radius: 6px; display: inline-block; }

    /* ── CTA SECTION ── */
    .cta-section { background: linear-gradient(135deg, var(--blue), #172554); color: #fff; padding: 60px 4%; text-align: center; }
    .cta-section h2 { font-size: 30px; font-weight: 900; margin-bottom: 12px; }
    .cta-section p { font-size: 16px; opacity: .85; margin-bottom: 28px; }
    .cta-form { display: flex; gap: 10px; max-width: 520px; margin: 0 auto 14px; flex-wrap: wrap; }
    .cta-form input { flex: 1; min-width: 180px; padding: 15px 16px; border: 2px solid rgba(255,255,255,.9); border-radius: 12px; font-size: 15px; font-family: inherit; outline: none; background: #fff; color: var(--gray-900, #111827); box-shadow: 0 4px 14px rgba(0,0,0,.18); }
    .cta-form input::placeholder { color: #6b7280; opacity: 1; }
    .cta-form input:focus { border-color: var(--gold); box-shadow: 0 0 0 4px rgba(245,158,11,.3); }
    .cta-form button { padding: 15px 24px; background: var(--gold); color: #fff; border: none; border-radius: 12px; font-size: 15px; font-weight: 800; cursor: pointer; font-family: inherit; transition: background .2s; white-space: nowrap; }
    .cta-form button:hover { background: #d97706; }
    .cta-rodo { font-size: 11px; opacity: .6; }

    /* ── FAQ ── */
    #faq { background: var(--gray-50); }
    .faq-list { max-width: 700px; margin: 0 auto; display: flex; flex-direction: column; gap: 10px; }
    .faq-item { background: #fff; border: 1px solid var(--gray-200); border-radius: 12px; overflow: hidden; }
    .faq-q { display: flex; justify-content: space-between; align-items: center; padding: 16px 18px; cursor: pointer; font-weight: 700; font-size: 14px; user-select: none; gap: 12px; }
    .faq-icon { font-size: 20px; color: var(--blue); transition: transform .3s; flex-shrink: 0; }
    .faq-item.open .faq-icon { transform: rotate(45deg); }
    .faq-a { padding: 0 18px; max-height: 0; overflow: hidden; transition: max-height .35s ease, padding .35s ease; font-size: 14px; color: var(--gray-600); line-height: 1.7; }
    .faq-item.open .faq-a { max-height: 300px; padding: 0 18px 16px; }

    /* ── BLOG ── */
    #blog { padding: 56px 4%; }
    .blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
    .blog-card { border: 1px solid var(--gray-200); border-radius: 16px; overflow: hidden; transition: box-shadow .2s, transform .2s; background: #fff; }
    .blog-card:hover { box-shadow: 0 8px 32px rgba(0,0,0,.1); transform: translateY(-3px); }
    .blog-img { height: 140px; display: flex; align-items: center; justify-content: center; font-size: 44px; }
    .blog-img.blue { background: var(--blue-light); }
    .blog-img.green { background: var(--green-light); }
    .blog-img.gold { background: #fffbeb; }
    .blog-content { padding: 18px; }
    .blog-tag { font-size: 10px; font-weight: 700; color: var(--blue); text-transform: uppercase; letter-spacing: .07em; margin-bottom: 7px; }
    .blog-card h3 { font-size: 15px; font-weight: 800; margin-bottom: 7px; line-height: 1.4; }
    .blog-card p { font-size: 13px; color: var(--gray-600); line-height: 1.5; margin-bottom: 12px; }
    .blog-read { font-size: 13px; font-weight: 700; color: var(--blue); text-decoration: none; }

    /* ── FOOTER ── */
    footer { background: var(--gray-900); color: var(--gray-400); padding: 40px 4% 24px; }
    .footer-inner { max-width: 1100px; margin: 0 auto; }
    .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 32px; margin-bottom: 32px; }
    .footer-brand .logo { color: #fff; font-size: 18px; display: inline-block; margin-bottom: 10px; }
    .footer-brand p { font-size: 12px; line-height: 1.6; max-width: 260px; }
    .footer-col h4 { color: #fff; font-size: 13px; font-weight: 700; margin-bottom: 12px; }
    .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 7px; }
    .footer-col a { color: var(--gray-400); text-decoration: none; font-size: 12px; transition: color .2s; }
    .footer-col a:hover { color: #fff; }
    .footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding-top: 20px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; }
    .footer-bottom p { font-size: 11px; line-height: 1.5; max-width: 640px; }
    .footer-badges { display: flex; gap: 8px; flex-shrink: 0; }
    .footer-badge { background: rgba(255,255,255,.08); border-radius: 6px; padding: 5px 10px; font-size: 10px; font-weight: 700; }

    /* ── STICKY MOBILE CTA ── */
    .sticky-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; padding: 10px 12px 14px; background: #fff; box-shadow: 0 -4px 20px rgba(0,0,0,.15); z-index: 190; }
    .sticky-cta a { display: block; background: var(--blue); color: #fff; text-align: center; padding: 15px; border-radius: 12px; font-size: 16px; font-weight: 800; text-decoration: none; }

    /* ── POPUP ── */
    .popup-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,.55); z-index: 999; align-items: center; justify-content: center; padding: 16px; }
    .popup-overlay.show { display: flex; }
    .popup-box { background: #fff; border-radius: 20px; padding: 32px 24px; max-width: 460px; width: 100%; position: relative; text-align: center; }
    .popup-close { position: absolute; top: 14px; right: 16px; font-size: 22px; cursor: pointer; color: var(--gray-400); border: none; background: none; font-family: inherit; }
    .popup-emoji { font-size: 48px; margin-bottom: 10px; }
    .popup-box h3 { font-size: 20px; font-weight: 900; margin-bottom: 6px; }
    .popup-box p { font-size: 14px; color: var(--gray-600); margin-bottom: 18px; }
    .popup-form { display: flex; flex-direction: column; gap: 10px; }
    .popup-form a.popup-link-btn { display: block; padding: 15px; background: var(--blue); color: #fff; border: none; border-radius: 10px; font-size: 15px; font-weight: 800; cursor: pointer; font-family: inherit; text-decoration: none; }

    /* CONTACT POPUP */
    .contact-popup-box { max-width: 420px; }
    .contact-email { background: var(--blue-light); border-radius: 12px; padding: 16px; margin-bottom: 18px; }
    .contact-email a { display: block; font-size: 18px; font-weight: 800; color: var(--blue); text-decoration: none; word-break: break-all; }
    .contact-email a:hover { color: var(--blue-dark); text-decoration: underline; }
    a.contact-popup-btn { display: block; padding: 15px; background: var(--green); color: #fff; border-radius: 10px; font-size: 15px; font-weight: 800; cursor: pointer; font-family: inherit; text-decoration: none; text-align: center; transition: background .2s; }
    a.contact-popup-btn:hover { background: var(--green-dark); }

    /* ── RESPONSIVE ── */
    @media (max-width: 900px) {
      .hero-inner { grid-template-columns: 1fr; gap: 28px; }
      .hero h1 { font-size: 28px; }
      .benefits-grid { grid-template-columns: 1fr 1fr; }
      .steps { grid-template-columns: 1fr 1fr; }
      .steps::before { display: none; }
      .reviews-grid { grid-template-columns: 1fr; }
      .blog-grid { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr 1fr; }
      .nav-links, .nav-cta { display: none; }
      .hamburger { display: flex; }
      .sticky-cta { display: block; }
      body { padding-bottom: 70px; }
      .section-header h2 { font-size: 24px; }
      .cta-section h2 { font-size: 24px; }
      .offers-table-wrap { display: none !important; }
      .mobywatel-card { flex-direction: column; text-align: center; }
    }
    @media (min-width: 901px) {
      .offers-cards { display: none; }
      .offers-table-wrap { display: block; }
    }
    @media (max-width: 600px) {
      .benefits-grid { grid-template-columns: 1fr; }
      .steps { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr; }
      .cta-form { flex-direction: column; }
      .hero-stats { justify-content: space-around; }
      .period-grid { grid-template-columns: repeat(4, 1fr); }
      .footer-bottom { flex-direction: column; text-align: center; }
      .offer-grid { grid-template-columns: 1fr 1fr; }
      .topbar-inner { gap: 8px; font-size: 12px; }
    }
  
/* ===== PORADNIKI (rozwijane) ===== */
.guides{display:flex;flex-direction:column;gap:14px;max-width:900px;margin:0 auto}
.guide{background:#fff;border:1px solid #e6e9f0;border-radius:16px;overflow:hidden;box-shadow:0 2px 10px rgba(16,24,40,.04);transition:box-shadow .2s,border-color .2s}
.guide[open]{box-shadow:0 10px 30px rgba(16,24,40,.08);border-color:#d6dcea}
.guide summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:14px;padding:18px 20px}
.guide summary::-webkit-details-marker{display:none}
.guide-ico{flex:none;width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px}
.guide-ico.blue{background:linear-gradient(135deg,#e8f0ff,#d3e2ff)}
.guide-ico.green{background:linear-gradient(135deg,#e4f8ee,#cdf0df)}
.guide-ico.gold{background:linear-gradient(135deg,#fdf1d8,#fae3b0)}
.guide-t{display:flex;flex-direction:column;gap:4px;flex:1}
.guide-t strong{font-size:17px;line-height:1.35;color:#101828;font-weight:700}
.guide-t .blog-tag{align-self:flex-start}
.guide-arrow{flex:none;color:#98a2b3;font-size:18px;transition:transform .2s}
.guide[open] .guide-arrow{transform:rotate(180deg)}
.guide-body{padding:0 20px 22px;border-top:1px solid #f0f2f7;margin-top:2px;padding-top:16px;color:#475467;font-size:15px;line-height:1.7}
.guide-body p{margin:0 0 12px}
.guide-list{margin:0 0 14px;padding-left:20px;display:flex;flex-direction:column;gap:9px}
.guide-list li{line-height:1.6}
.guide-list strong{color:#101828}
.guide-box{background:#f7f9fc;border:1px solid #e6e9f0;border-left:4px solid #2563eb;border-radius:12px;padding:14px 16px;margin:14px 0}
.guide-box.warn{border-left-color:#f59e0b;background:#fffaf0}
.guide-box strong{color:#101828;display:block;margin-bottom:6px}
.guide-box .guide-list{margin-bottom:0}
.guide-formula{font-weight:600;color:#101828;background:#fff;border:1px dashed #cbd5e1;border-radius:10px;padding:10px 12px;text-align:center}
.guide-dl{margin:0;display:grid;gap:8px}
.guide-dl dt{font-weight:700;color:#101828}
.guide-dl dd{margin:0 0 6px;padding-left:0;border-left:2px solid #e6e9f0;padding-left:10px}
.guide-cta{display:inline-flex;align-items:center;gap:6px;font-weight:700;color:#2563eb;text-decoration:none;margin-top:6px}
.guide-cta:hover{text-decoration:underline}
@media(max-width:640px){.guide-t strong{font-size:15.5px}.guide summary{padding:15px 14px;gap:11px}.guide-body{padding:14px 14px 18px}}