*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:        #10233F;
  --navy2:       #1a3347;
  --green:       #1E7A3C;
  --green-v:     #22c55e;
  --green-light: #e8f5ee;
  --bg:          #F5F8FC;
  --white:       #ffffff;
  --text:        #10233F;
  --muted:       #5a6e7d;
  --border:      #DDE6F1;
  --field-bg:    #F5F8FC;
  --radius:      12px;
  --shadow:      0 4px 32px rgba(16,35,63,.10), 0 1px 4px rgba(16,35,63,.06);
}

html { scroll-behavior: smooth; }
body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 16px;
  line-height: 1.5;
}

/* ══ DOSTĘPNOŚĆ ══ */
a:focus-visible,
button:focus-visible,
input:focus-visible {
  outline: 2px solid var(--green); outline-offset: 2px; border-radius: 4px;
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .live-dot { animation: none; }
  *, *::before, *::after { transition-duration: .01ms !important; }
}

/* ══ STICKY NAV ══ */
.topnav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.topnav-inner {
  max-width: 1000px; margin: 0 auto;
  padding: .55rem clamp(1.25rem, 8vw, 2rem);
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
}
.topnav-logo { display: flex; align-items: center; gap: 8px; text-decoration: none; flex-shrink: 0; }
.topnav-logo .logo-text { font-size: 1.02rem; font-weight: 800; color: var(--navy); letter-spacing: -.3px; }
.topnav-logo .logo-text em { color: var(--green); font-style: normal; }
.topnav-links { list-style: none; display: flex; align-items: center; gap: .2rem; }
.topnav-links a {
  display: block; padding: .4rem .7rem; border-radius: 7px;
  font-size: .85rem; font-weight: 600; color: var(--navy2);
  text-decoration: none; white-space: nowrap;
  transition: background .15s, color .15s;
}
.topnav-links a:hover { background: var(--green-light); color: var(--green); }
.topnav-links .nav-short { display: none; }

/* hamburger — ukryty na desktopie */
.nav-toggle { display: none; }

@media (max-width: 900px) {
  .topnav-inner { position: relative; }
  .nav-toggle {
    display: flex; flex-direction: column; justify-content: center; gap: 4px;
    width: 42px; height: 38px; padding: 9px; flex-shrink: 0;
    background: none; border: none; cursor: pointer; border-radius: 8px;
    transition: background .15s;
  }
  .nav-toggle:hover { background: var(--green-light); }
  .nav-toggle-bar {
    display: block; width: 100%; height: 2px; border-radius: 2px;
    background: var(--navy); transition: transform .2s, opacity .2s;
  }
  .nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) { transform: translateY(6px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) { opacity: 0; }
  .nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

  .topnav-links {
    position: absolute; top: calc(100% + 1px); left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 2px;
    background: var(--white); border-bottom: 1px solid var(--border);
    box-shadow: 0 10px 28px rgba(16,35,63,.10);
    padding: .5rem; display: none;
  }
  .topnav-links.open { display: flex; }
  .topnav-links a { padding: .7rem .85rem; font-size: .95rem; border-radius: 8px; }
  .topnav-links .nav-full { display: inline; }
  .topnav-links .nav-short { display: none; }
}

/* offset anchor targets so sticky nav doesn't cover headings */
#kalkulator, section[id] { scroll-margin-top: 64px; }

/* ══ HERO BACKGROUND ══ */
.hero-bg-wrap {
  background: url('assets/hero_background_vector_concept.svg') center top / cover no-repeat;
}

/* ══ TOP SPLIT ══ */
.page {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 460px);
  gap: clamp(2rem, 6vw, 5rem);
  align-items: center;
  width: 100%;
  max-width: 1000px;
  min-height: 100vh;
  margin: 0 auto;
  padding: clamp(3rem, 7vw, 5rem) clamp(1.25rem, 8vw, 2rem);
}
@media (max-width: 860px) {
  .page {
    grid-template-columns: 1fr;
    min-height: auto;
  }
}

/* ══ HERO ══ */
.hero {
  background: var(--bg);
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 0;
  position: relative;
}
.hero > * { position: relative; z-index: 1; }

/* logo */
.logo {
  display: flex; align-items: center; gap: 10px;
  text-decoration: none; margin-bottom: clamp(2rem, 5vw, 3.5rem);
  width: fit-content;
}
.logo-text { font-size: 1.2rem; font-weight: 800; color: var(--navy); letter-spacing: -.3px; }
.logo-text em { color: var(--green); font-style: normal; }

/* heading */
.hero h1 {
  font-size: clamp(1.7rem, 3.3vw, 2.7rem);
  font-weight: 800; line-height: 1.2;
  color: var(--navy); margin-bottom: 1rem;
}
.hero h1 .u {
  position: relative; display: inline;
}
.hero h1 .u::after {
  content: '';
  position: absolute; bottom: 1px; left: 0; right: 0;
  height: 4px; background: var(--green); border-radius: 2px;
}

/* keyword chips */
.kw-row { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 1.2rem; }
.kw {
  background: var(--white); border: 1.5px solid var(--border);
  color: var(--navy2); font-size: .78rem; font-weight: 600;
  padding: 4px 12px; border-radius: 100px;
}

/* description */
.hero-desc {
  font-size: clamp(.9rem, 1.7vw, 1rem);
  color: var(--muted); line-height: 1.7;
  max-width: 420px; margin-bottom: 1.5rem;
}
.hero-desc strong { color: var(--navy); }

/* hero CTA buttons */
.hero-btns { display: flex; gap: .75rem; flex-wrap: wrap; margin-bottom: 1.75rem; }

.btn-hero {
  display: inline-flex; align-items: center; gap: 7px;
  padding: .65rem 1.3rem;
  border-radius: 8px; font-size: .88rem; font-weight: 700;
  cursor: pointer; text-decoration: none; border: 2px solid transparent;
  transition: background .15s, border-color .15s, color .15s;
  white-space: nowrap;
}
.btn-hero-primary {
  background: var(--green); color: var(--white); border-color: var(--green);
}
.btn-hero-primary:hover { background: #166638; border-color: #166638; }
.btn-hero-secondary {
  background: var(--white); color: var(--navy);
  border-color: var(--border);
}
.btn-hero-secondary:hover { border-color: var(--green); color: var(--green); }

/* legal */
.legal {
  font-size: .72rem; color: #5a6e7d; line-height: 1.6;
  max-width: 380px; padding-top: 1.25rem; border-top: 1px solid var(--border);
}

/* ══ CALCULATOR SIDE ══ */
.calc-side {
  background: var(--bg);
  display: flex; align-items: center; justify-content: center;
  padding: 0;
}
.calc-card {
  background: var(--white); border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: clamp(1.1rem, 3vw, 1.6rem);
  width: 100%; max-width: 460px;
}

/* portfel presets */
.portfel-label {
  font-size: .67rem; font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: var(--muted); margin-bottom: .55rem;
}
.presets { display: flex; gap: .5rem; margin-bottom: 1.1rem; }
.preset-btn {
  flex: 1;
  padding: .55rem .5rem;
  background: var(--field-bg); border: 1.5px solid var(--border);
  border-radius: 8px; font-size: .82rem; font-weight: 700;
  color: var(--muted); cursor: pointer;
  transition: background .15s, border-color .15s, color .15s;
  text-align: center;
}
.preset-btn:hover { border-color: var(--green); color: var(--green); background: var(--green-light); }
.preset-btn.active { background: var(--green-light); border-color: var(--green); color: var(--green); }

/* live badge */
hr.div { border: none; border-top: 1px solid var(--border); margin: 0 0 1rem; }
.live {
  display: flex; align-items: center; gap: 6px;
  font-size: .67rem; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--green); margin-bottom: .9rem;
}
.live-dot {
  width: 7px; height: 7px; background: var(--green);
  border-radius: 50%; animation: pulse 1.8s ease-in-out infinite;
}
@keyframes pulse { 0%,100%{opacity:1} 50%{opacity:.25} }

/* 2×2 form grid */
.form-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: .65rem .9rem; margin-bottom: .8rem;
}
.field label {
  display: block; font-size: .67rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .1em;
  color: var(--muted); margin-bottom: 4px;
}
.input-row {
  display: flex; align-items: center;
  background: var(--field-bg); border-radius: 8px;
  border: 1.5px solid transparent; transition: border-color .15s; overflow: hidden;
}
.input-row:focus-within { border-color: var(--green); background: var(--white); }
.input-row input[type="number"] {
  flex: 1; border: none; background: transparent;
  padding: .55rem .65rem; font-size: .95rem; font-weight: 600;
  color: var(--text); outline: none;
  -moz-appearance: textfield; appearance: textfield; min-width: 0;
}
.input-row input[type="number"]::-webkit-inner-spin-button,
.input-row input[type="number"]::-webkit-outer-spin-button { appearance: none; }
.input-unit {
  padding: 0 .6rem; font-size: .75rem; font-weight: 700;
  color: var(--muted); white-space: nowrap; flex-shrink: 0;
}

/* slider */
input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 4px; border-radius: 2px;
  background: var(--border); outline: none; margin-top: 5px; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 16px; height: 16px;
  border-radius: 50%; background: var(--green);
  border: 2.5px solid var(--white); box-shadow: 0 1px 4px rgba(0,0,0,.2);
}
input[type="range"]::-moz-range-thumb {
  width: 16px; height: 16px; border-radius: 50%;
  background: var(--green); border: 2.5px solid var(--white);
  box-shadow: 0 1px 4px rgba(0,0,0,.2);
}

/* belka toggle */
.belka-row {
  display: flex; align-items: center; gap: 10px;
  margin: .15rem 0 .9rem; cursor: pointer; user-select: none;
  width: fit-content;
}
.belka-row input { position: absolute; opacity: 0; width: 0; height: 0; }
.belka-track {
  width: 38px; height: 22px; border-radius: 100px;
  background: var(--border); position: relative; flex-shrink: 0;
  transition: background .18s;
}
.belka-track::after {
  content: ''; position: absolute; top: 3px; left: 3px;
  width: 16px; height: 16px; border-radius: 50%;
  background: var(--white); box-shadow: 0 1px 3px rgba(0,0,0,.25);
  transition: transform .18s;
}
.belka-row input:checked + .belka-track { background: var(--green); }
.belka-row input:checked + .belka-track::after { transform: translateX(16px); }
.belka-row input:focus-visible + .belka-track { outline: 2px solid var(--green); outline-offset: 2px; }
.belka-text { font-size: .8rem; font-weight: 600; color: var(--navy2); line-height: 1.3; }

/* result box */
.result-box {
  background: var(--navy); border-radius: 11px;
  padding: 1rem 1.15rem .9rem; color: var(--white);
}
.rb-label {
  font-size: .63rem; font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: #9fb4c5; margin-bottom: .3rem;
}
.rb-value {
  font-size: clamp(1.8rem, 4.5vw, 2.6rem); font-weight: 800;
  letter-spacing: -.02em; line-height: 1;
}
.rb-cur { font-size: .85rem; font-weight: 400; color: #9fb4c5; margin-left: 3px; }
.rb-row { display: flex; gap: 1.75rem; margin-top: .8rem; flex-wrap: wrap; }
.rb-item { display: flex; flex-direction: column; gap: 3px; }
.rb-item .rl { font-size: .62rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: #9fb4c5; }
.rb-item .rv { font-size: .95rem; font-weight: 700; }
.rv.green { color: var(--green-v); }

/* chart */
.chart-wrap { margin-top: .85rem; height: 110px; }
canvas { display: block; width: 100%; height: 100%; }
.calc-note {
  font-size: .68rem; color: #5a6e7d; line-height: 1.55;
  margin-top: .85rem;
}

/* ══ BOTTOM SECTIONS ══ */
.section {
  padding: clamp(3rem, 7vw, 5rem) clamp(1.25rem, 8vw, 2rem);
}
.section-inner {
  max-width: 1000px; margin: 0 auto;
}
.section-white { background: var(--white); }
.section-gray  { background: var(--bg); }

.section-tag {
  display: inline-block;
  font-size: .7rem; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--green);
  background: var(--green-light); padding: 4px 12px;
  border-radius: 100px; margin-bottom: 1rem;
}
.section h2 {
  font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 800;
  color: var(--navy); margin-bottom: .75rem; line-height: 1.2;
}
.section-lead {
  font-size: clamp(.95rem, 1.8vw, 1.05rem); color: var(--muted);
  max-width: 620px; line-height: 1.7; margin-bottom: 2.5rem;
}

/* ETF illustration — w tle sekcji, po prawej */
#etf .section-inner { position: relative; }
.etf-illu {
  position: absolute; top: 0; right: 0;
  width: min(360px, 32vw);
  margin: 0; z-index: 0; pointer-events: none;
}
.etf-illu svg { display: block; width: 100%; height: auto; }
@media (max-width: 1020px) {
  .etf-illu {
    position: static; width: auto;
    max-width: 440px; margin: 0 auto 2rem;
  }
}

/* ETF feature cards */
.feature-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem; margin-bottom: 2.5rem;
}
@media (max-width: 640px) { .feature-grid { grid-template-columns: 1fr; } }

.feature-card {
  background: var(--white); border-radius: var(--radius);
  padding: 1.4rem 1.25rem; border: 1px solid var(--border);
}
.feature-icon {
  width: 40px; height: 40px; border-radius: 10px;
  background: var(--green-light); display: flex; align-items: center;
  justify-content: center; margin-bottom: .85rem;
}
.feature-card h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: .4rem; }
.feature-card p  { font-size: .85rem; color: var(--muted); line-height: 1.6; }

/* ETF ticker table */
.etf-table { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border); margin-bottom: 1rem; }
.etf-group {
  padding: .55rem 1.25rem;
  background: var(--green-light);
  font-size: .68rem; font-weight: 800; letter-spacing: .12em;
  text-transform: uppercase; color: var(--green);
  border-bottom: 1px solid var(--border);
}
.etf-row {
  display: grid; grid-template-columns: 110px 1fr auto auto;
  align-items: center; gap: 1rem;
  padding: .85rem 1.25rem; border-bottom: 1px solid var(--border);
  background: var(--white);
}
.etf-row:last-child { border-bottom: none; }
.etf-row:nth-child(even) { background: #f8fafc; }
.etf-ticker {
  font-size: .85rem; font-weight: 800; color: var(--green);
  font-family: 'Courier New', monospace; letter-spacing: .04em;
}
.etf-name { font-size: .9rem; font-weight: 600; color: var(--navy); }
.etf-meta { font-size: .78rem; color: var(--muted); text-align: right; white-space: nowrap; }
.etf-calc-btn {
  padding: .35rem .85rem;
  background: var(--green-light); color: var(--green);
  border: 1.5px solid transparent; border-radius: 100px;
  font-size: .75rem; font-weight: 700; cursor: pointer;
  white-space: nowrap; font-family: inherit;
  transition: background .15s, color .15s;
}
.etf-calc-btn:hover { background: var(--green); color: var(--white); }
@media (max-width: 560px) {
  .etf-row { grid-template-columns: 95px 1fr auto; }
  .etf-meta { display: none; }
}
.etf-note {
  font-size: .75rem; color: #5a6e7d; line-height: 1.6;
  margin-bottom: 2.5rem;
}

/* ── PROCENT SKŁADANY ── */
.pk-grid {
  display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: clamp(2rem, 4vw, 3.5rem); align-items: center;
}
@media (max-width: 860px) { .pk-grid { grid-template-columns: 1fr; } }

.pk-periods { display: flex; gap: .5rem; flex-wrap: wrap; margin-bottom: 1.25rem; }
.period-btn {
  padding: .5rem 1.05rem;
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: 8px; font-size: .85rem; font-weight: 700;
  color: var(--muted); cursor: pointer;
  transition: background .15s, border-color .15s, color .15s;
}
.period-btn:hover { border-color: var(--green); color: var(--green); }
.period-btn.active { background: var(--navy); border-color: var(--navy); color: var(--white); }

.pk-stats { display: grid; grid-template-columns: 1fr 1fr; gap: .9rem; margin-bottom: 1rem; }
@media (max-width: 420px) { .pk-stats { grid-template-columns: 1fr; } }
.pk-stat {
  background: var(--bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: .9rem 1.1rem;
}
.pk-stat-win { border: 1.5px solid var(--green); }
.pk-label {
  font-size: .65rem; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--muted); margin-bottom: .25rem;
}
.pk-value {
  font-size: clamp(1.3rem, 2.6vw, 1.7rem); font-weight: 800;
  color: var(--navy); font-variant-numeric: tabular-nums;
}
.pk-value.green { color: var(--green); }
.pk-note a { color: var(--green); font-weight: 700; }

.pk-chart-card {
  background: var(--white); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 1.25rem;
}
.pk-legend {
  display: flex; align-items: center; gap: 1.1rem;
  font-size: .78rem; color: var(--muted);
  margin-bottom: .9rem; flex-wrap: wrap;
}
.pk-key { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; }
.pk-dot { width: 10px; height: 10px; border-radius: 3px; display: inline-block; }
.pk-rate { margin-left: auto; font-weight: 700; color: var(--navy2); }
.pk-canvas-wrap { height: 300px; }
@media (max-width: 560px) { .pk-canvas-wrap { height: 220px; } }

/* ── STRATEGIE ── */
.strategy-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem; margin-bottom: 1rem;
}
@media (max-width: 860px) { .strategy-grid { grid-template-columns: 1fr; } }
.strategy-card {
  background: var(--bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 1.4rem 1.25rem;
  display: flex; flex-direction: column; gap: .85rem;
}
.strategy-card h3 { font-size: 1.05rem; font-weight: 800; color: var(--navy); }
.strategy-card .strategy-desc { font-size: .85rem; color: var(--muted); line-height: 1.6; }
.alloc-bar { display: flex; height: 10px; border-radius: 100px; overflow: hidden; }
.alloc-bar span { height: 100%; }
.alloc-legend { list-style: none; display: flex; flex-direction: column; gap: 4px; }
.alloc-legend li {
  font-size: .78rem; color: var(--navy2); font-weight: 600;
  display: flex; align-items: center; gap: 7px;
}
.alloc-dot { width: 9px; height: 9px; border-radius: 3px; flex-shrink: 0; }
.strategy-foot {
  margin-top: auto; display: flex; align-items: center;
  justify-content: space-between; gap: .5rem; flex-wrap: wrap;
}
.strategy-meta { font-size: .72rem; color: var(--muted); }

/* ── STEPS ── */
.steps {
  display: flex; gap: 1rem; margin-bottom: 2.5rem; flex-wrap: wrap;
}
.step {
  flex: 1; min-width: 200px;
  background: var(--white); border-radius: var(--radius);
  padding: 1.25rem; border: 1px solid var(--border);
  display: flex; gap: 1rem; align-items: flex-start;
}
.step-num {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--green); color: var(--white);
  font-size: .9rem; font-weight: 800; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
}
.step h4 { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.step p  { font-size: .82rem; color: var(--muted); line-height: 1.5; }

/* ── BROKER GROUPS ── */
.broker-group-title {
  font-size: .72rem; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--muted);
  margin: 2rem 0 .9rem;
  display: flex; align-items: center; gap: .75rem;
}
.broker-group-title::before {
  content: ''; flex: 1; max-width: 40px;
  height: 2px; background: var(--border); border-radius: 1px;
}
.broker-group-title::after {
  content: ''; flex: 1; height: 2px;
  background: var(--border); border-radius: 1px;
}

/* sekcja brokerów dzieli to samo szare tło co "Jak zacząć" — hairline dla rozdzielenia */
.section-brokers { border-top: 1px solid var(--border); }

.broker-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1rem; margin-bottom: 1.5rem;
}
@media (max-width: 640px) { .broker-grid { grid-template-columns: 1fr; } }

.broker-card {
  background: var(--white); border-radius: var(--radius);
  border: 1.5px solid var(--border); padding: 1.15rem;
  transition: border-color .2s, box-shadow .2s;
}
.broker-card:hover { border-color: var(--green); box-shadow: 0 4px 16px rgba(30,140,74,.08); }

.broker-header { display: flex; align-items: center; gap: .75rem; margin-bottom: .85rem; }
.broker-icon {
  width: 38px; height: 38px; border-radius: 9px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: .85rem; font-weight: 900; color: var(--white);
}
.broker-name { font-size: .95rem; font-weight: 700; color: var(--navy); line-height: 1.2; }
.broker-tag {
  display: inline-block; font-size: .62rem; font-weight: 700;
  letter-spacing: .06em; text-transform: uppercase;
  padding: 2px 7px; border-radius: 4px; margin-top: 2px;
}
.tag-bank   { background: #e8eef6; color: var(--navy2); }
.tag-broker { background: var(--green-light); color: var(--green); }

.broker-features { list-style: none; display: flex; flex-direction: column; gap: 5px; }
.broker-features li {
  font-size: .82rem; color: var(--muted); line-height: 1.4;
  display: flex; align-items: flex-start; gap: 6px;
}
.broker-features li::before {
  content: ''; width: 5px; height: 5px; border-radius: 50%;
  background: var(--green); flex-shrink: 0; margin-top: 6px;
}

/* broker disclaimer */
.broker-disclaimer {
  margin-top: 1.5rem; font-size: .75rem; color: #5a6e7d;
  line-height: 1.6; padding: .85rem 1rem;
  background: var(--white); border-radius: 8px;
  border-left: 3px solid var(--border);
}

/* CTA button (inside sections) */
.btn-cta {
  display: inline-flex; align-items: center; gap: 8px;
  padding: .8rem 1.75rem; background: var(--green); color: var(--white);
  border: none; border-radius: 8px; font-size: .95rem; font-weight: 700;
  cursor: pointer; text-decoration: none;
  transition: background .15s;
}
.btn-cta:hover { background: #166638; }
.section-actions { display: flex; gap: .75rem; flex-wrap: wrap; }

/* ── NOTA PRAWNA ── */
.legal-section {
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 2rem clamp(1.25rem, 8vw, 2rem);
}
.legal-section .section-inner { max-width: 1000px; margin: 0 auto; }
.legal-title {
  font-size: .7rem; font-weight: 800; letter-spacing: .12em;
  text-transform: uppercase; color: var(--muted); margin-bottom: .6rem;
}
.legal-body {
  font-size: .74rem; color: #5a6e7d; line-height: 1.7;
}

/* ══ FOOTER ══ */
footer {
  position: relative; overflow: hidden;
  background: var(--navy); color: #9fb4c5;
  text-align: center; font-size: .78rem;
  padding: 1.25rem 1rem;
}
footer::before {
  content: '';
  position: absolute; inset: 0;
  background: url('assets/05_dark_finance_background.png') right center / auto 100% no-repeat;
  opacity: .12;
  pointer-events: none;
}
footer > * { position: relative; z-index: 1; }