/* ============================================================
   NorenFinanse – Główny arkusz stylów
   Kolory: #003d60 (granat), #ffffff, #f4f6f8 (tło)
   Czcionki: League Spartan (tytuły), Titillium Web (treść)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=League+Spartan:wght@400;600;700;800;900&family=Titillium+Web:wght@300;400;600;700&display=swap');

/* ---------- RESET & ZMIENNE ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
    --navy:       #003d60;
    --navy-dark:  #002840;
    --navy-mid:   #004f7a;
    --navy-light: #e6eff5;
    --white:      #ffffff;
    --bg:         #f4f6f8;
    --text:       #1a1a1a;
    --text-light: #4a5568;
    --border:     #d0dce6;
    --gold:       #c8a84b;
    --radius:     8px;
    --shadow:     0 4px 24px rgba(0,61,96,.12);
    --shadow-lg:  0 8px 40px rgba(0,61,96,.18);
    --transition: .25s ease;
    --font-head:  'League Spartan', sans-serif;
    --font-body:  'Titillium Web', sans-serif;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
    font-family: var(--font-body);
    background: var(--bg);
    color: var(--text);
    line-height: 1.7;
    overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a  { color: inherit; text-decoration: none; }

/* ---------- TYPOGRAFIA ---------- */
h1, h2, h3, h4 {
    font-family: var(--font-head);
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .03em;
    line-height: 1.15;
}
h1 { font-size: clamp(2rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.15rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.1rem; }

p { margin-bottom: 1em; }

/* ---------- LAYOUT ---------- */
.container {
    width: 92%;
    max-width: 1160px;
    margin: 0 auto;
}

section { padding: 80px 0; }
section:nth-child(even) { background: var(--white); }

/* ---------- NAVBAR ---------- */
.navbar {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: var(--navy);
    box-shadow: 0 2px 16px rgba(0,0,0,.25);
}

.nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 70px;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
}

.logo-mark {
    width: 40px;
    height: 40px;
    background: var(--white);
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.logo-mark svg { width: 26px; height: 26px; }

.logo-text { color: var(--white); }
.logo-text .logo-title {
    font-family: var(--font-head);
    font-weight: 900;
    font-size: 1.15rem;
    text-transform: uppercase;
    letter-spacing: .06em;
    display: block;
    line-height: 1;
}
.logo-text .logo-sub {
    font-family: var(--font-body);
    font-size: .68rem;
    font-weight: 300;
    opacity: .75;
    display: block;
    letter-spacing: .04em;
}

/* Nav links */
.nav-menu {
    display: flex;
    align-items: center;
    list-style: none;
    gap: 4px;
}

.nav-menu li { position: relative; }

.nav-menu a, .nav-menu button.nav-link {
    display: flex;
    align-items: center;
    gap: 5px;
    color: rgba(255,255,255,.88);
    font-family: var(--font-head);
    font-size: .78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .08em;
    padding: 8px 14px;
    border-radius: 5px;
    border: none;
    background: transparent;
    cursor: pointer;
    transition: background var(--transition), color var(--transition);
}

.nav-menu a:hover,
.nav-menu button.nav-link:hover,
.nav-menu li.active > a {
    background: rgba(255,255,255,.12);
    color: var(--white);
}

/* Dropdown */
.dropdown-menu {
    position: absolute;
    top: calc(100% + 6px);
    left: 0;
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    min-width: 260px;
    padding: 8px 0;
    opacity: 0;
    pointer-events: none;
    transform: translateY(-8px);
    transition: opacity var(--transition), transform var(--transition);
    border-top: 3px solid var(--navy);
}

.nav-menu li:hover .dropdown-menu,
.nav-menu li:focus-within .dropdown-menu {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
}

.dropdown-menu a {
    color: var(--navy) !important;
    font-size: .75rem;
    padding: 10px 20px;
    display: block;
    border-radius: 0;
    transition: background var(--transition);
}
.dropdown-menu a:hover {
    background: var(--navy-light);
    color: var(--navy-dark) !important;
}

.chevron { font-size: .6rem; transition: transform var(--transition); }
.nav-menu li:hover .chevron { transform: rotate(180deg); }

/* CTA w navie */
.nav-cta {
    background: rgba(255,255,255,.15) !important;
    border: 1px solid rgba(255,255,255,.3) !important;
    padding: 7px 18px !important;
    border-radius: 5px !important;
    color: var(--white) !important;
}
.nav-cta:hover {
    background: var(--white) !important;
    color: var(--navy) !important;
}

/* Hamburger */
.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: transparent;
    border: none;
    cursor: pointer;
    padding: 6px;
}
.nav-toggle span {
    display: block;
    width: 26px;
    height: 2px;
    background: var(--white);
    border-radius: 2px;
    transition: transform .3s, opacity .3s;
}

/* ---------- HERO ---------- */
.hero {
    position: relative;
    background: var(--navy);
    color: var(--white);
    overflow: hidden;
    min-height: 88vh;
    display: flex;
    align-items: center;
    padding: 80px 0;
}

.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        linear-gradient(135deg, rgba(0,40,64,.95) 0%, rgba(0,79,122,.7) 100%);
    z-index: 1;
}

.hero-bg {
    position: absolute;
    inset: 0;
    background-image: url('img/handshake.jpg');
    background-size: cover;
    background-position: center 30%;
    filter: grayscale(20%);
}

/* Diagonal accent */
.hero::after {
    content: '';
    position: absolute;
    bottom: -2px;
    right: -5%;
    width: 55%;
    height: 100%;
    background: rgba(255,255,255,.04);
    transform: skewX(-12deg);
    z-index: 1;
    pointer-events: none;
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 680px;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(255,255,255,.25);
    color: rgba(255,255,255,.9);
    font-family: var(--font-body);
    font-size: .78rem;
    font-weight: 600;
    letter-spacing: .1em;
    text-transform: uppercase;
    padding: 6px 16px;
    border-radius: 50px;
    margin-bottom: 24px;
}
.hero-badge::before {
    content: '';
    width: 6px; height: 6px;
    border-radius: 50%;
    background: #4fc3f7;
    flex-shrink: 0;
}

.hero h1 {
    font-size: clamp(2.2rem, 5.5vw, 3.8rem);
    color: var(--white);
    margin-bottom: 8px;
}
.hero h1 span { color: #4fc3f7; }

.hero-sub {
    font-size: clamp(1rem, 2vw, 1.25rem);
    font-family: var(--font-body);
    font-weight: 300;
    opacity: .85;
    margin-bottom: 36px;
    max-width: 560px;
    text-transform: none;
    letter-spacing: 0;
}

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-head);
    font-size: .82rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .08em;
    padding: 14px 28px;
    border-radius: var(--radius);
    border: 2px solid transparent;
    cursor: pointer;
    transition: all var(--transition);
    text-decoration: none;
}

.btn-primary {
    background: var(--white);
    color: var(--navy);
    border-color: var(--white);
}
.btn-primary:hover {
    background: var(--navy-light);
    border-color: var(--navy-light);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0,0,0,.25);
}

.btn-outline {
    background: transparent;
    color: var(--white);
    border-color: rgba(255,255,255,.5);
}
.btn-outline:hover {
    background: rgba(255,255,255,.1);
    border-color: var(--white);
    transform: translateY(-2px);
}

.btn-navy {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}
.btn-navy:hover {
    background: var(--navy-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow);
}

.btn-lg { padding: 17px 36px; font-size: .9rem; }

/* Hero stats */
.hero-stats {
    position: relative;
    z-index: 2;
    display: flex;
    gap: 40px;
    margin-top: 56px;
    flex-wrap: wrap;
}
.stat-item { border-left: 3px solid rgba(255,255,255,.25); padding-left: 16px; }
.stat-num {
    font-family: var(--font-head);
    font-size: 2rem;
    font-weight: 900;
    color: #4fc3f7;
    line-height: 1;
}
.stat-label {
    font-size: .78rem;
    font-family: var(--font-body);
    opacity: .75;
    text-transform: uppercase;
    letter-spacing: .05em;
}

/* ---------- SEKCJA USŁUG (KARTY) ---------- */
.services-section { padding: 90px 0; background: var(--bg); }

.section-header { text-align: center; margin-bottom: 56px; }
.section-eyebrow {
    font-family: var(--font-body);
    font-size: .75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .18em;
    color: var(--navy);
    margin-bottom: 10px;
    display: block;
}
.section-header h2 { color: var(--navy-dark); margin-bottom: 12px; }
.section-header p { color: var(--text-light); max-width: 560px; margin: 0 auto; font-size: 1.05rem; }

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 24px;
}

.service-card {
    background: var(--white);
    border-radius: 12px;
    padding: 36px 28px;
    box-shadow: var(--shadow);
    border-bottom: 4px solid transparent;
    transition: all .3s ease;
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--navy);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform .3s ease;
}

.service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-bottom-color: var(--navy);
}
.service-card:hover::before { transform: scaleX(1); }

/* Wyróżniona karta */
.service-card.featured {
    background: var(--navy);
    color: var(--white);
    border-bottom-color: #4fc3f7;
}
.service-card.featured::before { background: #4fc3f7; }
.service-card.featured .service-icon { background: rgba(255,255,255,.1); color: #4fc3f7; }
.service-card.featured h3 { color: var(--white); }
.service-card.featured p { color: rgba(255,255,255,.8); }
.service-card.featured .service-tag { background: rgba(255,255,255,.15); color: rgba(255,255,255,.9); }
.service-card.featured .card-link { color: #4fc3f7; }

.service-badge {
    position: absolute;
    top: 16px; right: 16px;
    background: #4fc3f7;
    color: var(--navy-dark);
    font-family: var(--font-head);
    font-size: .6rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .1em;
    padding: 3px 10px;
    border-radius: 50px;
}

.service-icon {
    width: 54px;
    height: 54px;
    background: var(--navy-light);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    font-size: 1.5rem;
    margin-bottom: 20px;
    flex-shrink: 0;
}

.service-card h3 {
    color: var(--navy-dark);
    font-size: 1.1rem;
    margin-bottom: 10px;
}

.service-card p {
    color: var(--text-light);
    font-size: .93rem;
    flex: 1;
    margin-bottom: 16px;
}

.service-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 20px; }
.service-tag {
    background: var(--navy-light);
    color: var(--navy);
    font-size: .68rem;
    font-weight: 700;
    font-family: var(--font-body);
    text-transform: uppercase;
    letter-spacing: .05em;
    padding: 3px 10px;
    border-radius: 50px;
}

.card-link {
    font-family: var(--font-head);
    font-size: .75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: var(--navy);
    display: flex;
    align-items: center;
    gap: 6px;
    margin-top: auto;
    transition: gap var(--transition);
}
.card-link:hover { gap: 10px; }

/* ---------- BANNER CTA ---------- */
.cta-banner {
    background: var(--navy);
    color: var(--white);
    padding: 60px 0;
    position: relative;
    overflow: hidden;
}

.cta-banner::before {
    content: '';
    position: absolute;
    top: -40%;
    right: -5%;
    width: 45%;
    height: 200%;
    background: rgba(255,255,255,.04);
    transform: skewX(-15deg);
}

.cta-banner-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    flex-wrap: wrap;
    position: relative;
    z-index: 1;
}

.cta-banner-text h2 {
    color: var(--white);
    margin-bottom: 8px;
    font-size: clamp(1.4rem, 3vw, 2rem);
}
.cta-banner-text p { color: rgba(255,255,255,.78); margin: 0; font-size: 1rem; }

.cta-banner-contact {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    gap: 12px;
    flex-shrink: 0;
}

.cta-phone {
    display: flex;
    align-items: center;
    gap: 12px;
    color: var(--white);
}
.cta-phone-icon {
    width: 48px; height: 48px;
    background: rgba(255,255,255,.12);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    flex-shrink: 0;
}
.cta-phone-label {
    font-size: .7rem;
    font-family: var(--font-body);
    opacity: .7;
    text-transform: uppercase;
    letter-spacing: .1em;
    display: block;
}
.cta-phone-num {
    font-family: var(--font-head);
    font-size: 1.5rem;
    font-weight: 800;
    letter-spacing: .03em;
    display: block;
}

/* ---------- FORMULARZ KONTAKTOWY ---------- */
.contact-section { padding: 90px 0; background: var(--white); }

.contact-wrapper {
    display: grid;
    grid-template-columns: 1fr 1.4fr;
    gap: 64px;
    align-items: start;
}

.contact-info h2 { color: var(--navy-dark); margin-bottom: 16px; }
.contact-info p { color: var(--text-light); margin-bottom: 32px; }

.contact-detail {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 18px;
}
.contact-detail-icon {
    width: 44px; height: 44px;
    background: var(--navy-light);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    font-size: 1.1rem;
    flex-shrink: 0;
}
.contact-detail-text .label {
    font-size: .7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: var(--text-light);
    display: block;
}
.contact-detail-text .val {
    font-family: var(--font-head);
    font-size: 1rem;
    font-weight: 700;
    color: var(--navy-dark);
    display: block;
}

.form-card {
    background: var(--bg);
    border-radius: 14px;
    padding: 40px;
    box-shadow: var(--shadow);
}

.form-card h3 {
    color: var(--navy-dark);
    margin-bottom: 4px;
    font-size: 1.3rem;
}
.form-card .form-subtitle {
    color: var(--text-light);
    font-size: .88rem;
    margin-bottom: 28px;
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 18px; }

label {
    display: block;
    font-size: .75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .08em;
    color: var(--navy);
    margin-bottom: 6px;
}

input[type=text], input[type=tel], input[type=number],
select, textarea {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--border);
    border-radius: var(--radius);
    font-family: var(--font-body);
    font-size: .95rem;
    color: var(--text);
    background: var(--white);
    transition: border-color var(--transition), box-shadow var(--transition);
    outline: none;
}
input:focus, select:focus, textarea:focus {
    border-color: var(--navy);
    box-shadow: 0 0 0 3px rgba(0,61,96,.1);
}
textarea { resize: vertical; min-height: 90px; }

.radio-group { display: flex; gap: 16px; }
.radio-label {
    display: flex;
    align-items: center;
    gap: 8px;
    cursor: pointer;
    font-size: .9rem;
    font-weight: 600;
    color: var(--text);
    text-transform: none;
    letter-spacing: 0;
}
.radio-label input[type=radio] {
    width: auto;
    accent-color: var(--navy);
}

.form-msg {
    padding: 12px 16px;
    border-radius: var(--radius);
    font-size: .9rem;
    font-weight: 600;
    margin-bottom: 18px;
    display: none;
}
.form-msg.success { background: #e6f4ea; color: #1b5e20; border: 1px solid #a5d6a7; display: block; }
.form-msg.error   { background: #fdecea; color: #b71c1c; border: 1px solid #ef9a9a; display: block; }

.btn-submit {
    width: 100%;
    padding: 15px;
    background: var(--navy);
    color: var(--white);
    border: none;
    border-radius: var(--radius);
    font-family: var(--font-head);
    font-size: .85rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .1em;
    cursor: pointer;
    transition: background var(--transition), transform var(--transition);
}
.btn-submit:hover {
    background: var(--navy-dark);
    transform: translateY(-2px);
}

.form-disclaimer {
    font-size: .74rem;
    color: var(--text-light);
    text-align: center;
    margin-top: 14px;
    line-height: 1.5;
}

/* ---------- STRONA USŁUGI ---------- */
.page-hero {
    background: var(--navy);
    color: var(--white);
    padding: 70px 0 60px;
    position: relative;
    overflow: hidden;
}
.page-hero::after {
    content: '';
    position: absolute;
    bottom: 0; right: -5%;
    width: 50%;
    height: 100%;
    background: rgba(255,255,255,.04);
    transform: skewX(-12deg);
}
.page-hero-inner { position: relative; z-index: 1; }
.page-hero .breadcrumb {
    font-size: .75rem;
    font-family: var(--font-body);
    color: rgba(255,255,255,.6);
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 6px;
}
.page-hero .breadcrumb a { color: rgba(255,255,255,.6); }
.page-hero .breadcrumb a:hover { color: var(--white); }
.page-hero h1 { color: var(--white); margin-bottom: 12px; }
.page-hero .page-lead {
    font-size: 1.1rem;
    font-family: var(--font-body);
    opacity: .8;
    max-width: 620px;
    text-transform: none;
    letter-spacing: 0;
    font-weight: 300;
}

.service-content { padding: 70px 0; }
.service-layout {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 56px;
    align-items: start;
}

.feature-list { list-style: none; margin: 24px 0; }
.feature-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
    font-size: .97rem;
}
.feature-list li:last-child { border-bottom: none; }
.feature-list .check {
    width: 22px; height: 22px;
    background: var(--navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: .65rem;
    flex-shrink: 0;
    margin-top: 2px;
}

.sidebar-card {
    background: var(--navy);
    color: var(--white);
    border-radius: 14px;
    padding: 32px;
    position: sticky;
    top: 90px;
}
.sidebar-card h3 { color: var(--white); font-size: 1.1rem; margin-bottom: 16px; }
.sidebar-phone {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 24px;
}
.sidebar-phone-icon {
    width: 46px; height: 46px;
    background: rgba(255,255,255,.12);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
}
.sidebar-phone-num {
    font-family: var(--font-head);
    font-size: 1.3rem;
    font-weight: 800;
    display: block;
}
.sidebar-phone-sub { font-size: .73rem; opacity: .7; }

.sidebar-form input[type=text],
.sidebar-form input[type=tel],
.sidebar-form select {
    background: rgba(255,255,255,.1);
    border-color: rgba(255,255,255,.2);
    color: var(--white);
    margin-bottom: 10px;
}
.sidebar-form input::placeholder { color: rgba(255,255,255,.5); }
.sidebar-form label { color: rgba(255,255,255,.75); }
.sidebar-form .radio-label { color: rgba(255,255,255,.9); }
.sidebar-form input[type=text]:focus,
.sidebar-form input[type=tel]:focus,
.sidebar-form select:focus {
    border-color: rgba(255,255,255,.5);
    box-shadow: 0 0 0 3px rgba(255,255,255,.1);
}
.sidebar-form select option { color: var(--text); background: var(--white); }
.sidebar-btn {
    width: 100%;
    padding: 13px;
    background: var(--white);
    color: var(--navy);
    border: none;
    border-radius: var(--radius);
    font-family: var(--font-head);
    font-size: .8rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .1em;
    cursor: pointer;
    transition: background var(--transition), transform var(--transition);
}
.sidebar-btn:hover { background: var(--navy-light); transform: translateY(-2px); }

/* Info boxes */
.info-box {
    background: var(--navy-light);
    border-left: 4px solid var(--navy);
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 18px 20px;
    margin: 28px 0;
}
.info-box p { margin: 0; font-size: .93rem; color: var(--navy-dark); }
.info-box strong { color: var(--navy); }

/* ---------- STOPKA ---------- */
footer {
    background: var(--navy-dark);
    color: rgba(255,255,255,.7);
    padding: 48px 0 24px;
}

.footer-inner {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr;
    gap: 40px;
    padding-bottom: 36px;
    border-bottom: 1px solid rgba(255,255,255,.1);
    margin-bottom: 24px;
}

.footer-brand .logo-title { color: var(--white); font-size: 1.2rem; }
.footer-brand .logo-sub { color: rgba(255,255,255,.5); }
.footer-brand p { font-size: .88rem; margin-top: 14px; line-height: 1.6; }

.footer-col h4 {
    font-family: var(--font-head);
    font-size: .75rem;
    text-transform: uppercase;
    letter-spacing: .12em;
    color: var(--white);
    margin-bottom: 14px;
    font-weight: 700;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul a {
    font-size: .88rem;
    color: rgba(255,255,255,.6);
    transition: color var(--transition);
}
.footer-col ul a:hover { color: var(--white); }

.footer-contact-item {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 10px;
    font-size: .88rem;
}
.footer-contact-item a { color: rgba(255,255,255,.85); }
.footer-contact-item a:hover { color: var(--white); }

.footer-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: .8rem;
    flex-wrap: wrap;
    gap: 10px;
}
.footer-bottom a { color: rgba(255,255,255,.5); }
.footer-bottom a:hover { color: var(--white); }

/* ---------- BANERY CTA ---------- */
.inline-cta {
    background: var(--navy);
    color: var(--white);
    border-radius: 12px;
    padding: 32px 36px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
    margin: 40px 0;
    position: relative;
    overflow: hidden;
}
.inline-cta::before {
    content: '';
    position: absolute;
    right: -5%;
    top: -50%;
    width: 35%;
    height: 200%;
    background: rgba(255,255,255,.05);
    transform: skewX(-15deg);
}
.inline-cta-text h3 { color: var(--white); font-size: 1.2rem; margin-bottom: 4px; }
.inline-cta-text p { color: rgba(255,255,255,.75); margin: 0; font-size: .92rem; }

.banks-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
    gap: 12px;
    margin: 24px 0;
}
.bank-item {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 14px 16px;
    font-family: var(--font-head);
    font-size: .78rem;
    font-weight: 700;
    color: var(--navy);
    text-align: center;
    text-transform: uppercase;
    letter-spacing: .05em;
    transition: all var(--transition);
}
.bank-item:hover {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

/* ---------- MOBILE ---------- */
@media (max-width: 768px) {
    section { padding: 56px 0; }

    .nav-menu {
        position: fixed;
        top: 70px;
        left: 0; right: 0;
        background: var(--navy-dark);
        flex-direction: column;
        padding: 20px 16px;
        gap: 0;
        align-items: stretch;
        transform: translateY(-110%);
        transition: transform .35s ease;
        z-index: 999;
    }
    .nav-menu.open { transform: translateY(0); }
    .nav-toggle { display: flex; }

    .nav-menu a, .nav-menu button.nav-link {
        padding: 12px 10px;
        font-size: .85rem;
    }

    .dropdown-menu {
        position: static;
        opacity: 1;
        pointer-events: auto;
        transform: none;
        box-shadow: none;
        border: none;
        border-top: 0;
        background: rgba(255,255,255,.06);
        border-radius: var(--radius);
        margin: 4px 0;
        padding: 4px 0;
        display: none;
    }
    .dropdown-menu.open { display: block; }
    .dropdown-menu a { color: rgba(255,255,255,.8) !important; padding: 9px 24px; }
    .dropdown-menu a:hover { background: rgba(255,255,255,.08); color: var(--white) !important; }

    .hero { min-height: 75vh; padding: 60px 0; }
    .hero-stats { gap: 24px; margin-top: 36px; }

    .contact-wrapper { grid-template-columns: 1fr; gap: 36px; }
    .form-row { grid-template-columns: 1fr; }
    .form-card { padding: 26px 20px; }

    .service-layout { grid-template-columns: 1fr; }
    .sidebar-card { position: static; }

    .footer-inner { grid-template-columns: 1fr; gap: 28px; }
    .cta-banner-inner { flex-direction: column; }
    .cta-banner-contact { align-items: flex-start; }

    .inline-cta { flex-direction: column; }
}

@media (max-width: 480px) {
    .logo-text .logo-sub { display: none; }
    .hero-actions { flex-direction: column; }
    .btn { width: 100%; justify-content: center; }
}