:root{
  --red:#D32D2A; --red-d:#b0231f; --red-l:#ff4a44;
  --ink:#141312; --ink-2:#1c1a19; --ink-3:#262321;
  --grey:#a9a9a9; --muted:#6f6a66; --line:#e7e3df;
  --bg:#ffffff; --bg-soft:#f6f3f0; --gold:#ffb02e;
  --maxw:1180px; --r:16px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Montserrat',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
h1,h2,h3,h4{line-height:1.07;font-weight:800;letter-spacing:-.02em}
p{color:var(--muted)}
a{color:inherit;text-decoration:none}
.red{color:var(--red)}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;border-radius:12px;padding:14px 26px;cursor:pointer;border:2px solid transparent;transition:.18s;font-size:15px}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 8px 24px rgba(211,45,42,.35)}
.btn-primary:hover{background:var(--red-d);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-dark{background:var(--ink);color:#fff}.btn-dark:hover{background:var(--ink-3)}
.btn-lg{padding:17px 32px;font-size:16px}
.btn-block{width:100%;border:none}
.link-cta{color:var(--red);font-weight:700;display:inline-flex;gap:6px;align-items:center}
.link-cta:hover{gap:10px}

/* header */
.hdr{position:fixed;top:0;left:0;right:0;z-index:50;transition:.3s}
.hdr.scrolled{background:rgba(20,19,18,.85);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,.08)}
.hdr-in{display:flex;align-items:center;justify-content:space-between;padding:16px 22px}
.logo-img{height:26px;display:block}
.hdr-actions{display:flex;align-items:center;gap:18px}
.hdr-phone{display:flex;flex-direction:column;line-height:1.1;text-align:right;color:#fff}
.hdr-phone strong{font-size:17px}
.hdr-phone span{font-size:11px;color:var(--grey)}

/* hero */
.hero{position:relative;min-height:100vh;display:flex;align-items:center;background:var(--ink);overflow:hidden}
#bg{position:absolute;inset:0;width:100%;height:100%;z-index:0;display:block}
.hero::after{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,rgba(20,19,18,.85) 0%,rgba(20,19,18,.4) 55%,rgba(20,19,18,.1) 100%)}
.hero-in{position:relative;z-index:2;padding:120px 0 70px;max-width:780px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;color:#fff;font-weight:600;font-size:13px;letter-spacing:.04em;text-transform:uppercase;background:rgba(211,45,42,.18);border:1px solid rgba(211,45,42,.4);padding:7px 14px;border-radius:999px;margin-bottom:24px}
.hero h1{font-size:clamp(38px,6vw,68px);font-weight:900;color:#fff;margin-bottom:22px}
.hero h1 .red{color:var(--red-l)}
.hero .lead{font-size:clamp(17px,2vw,20px);color:#d8d3ce;max-width:600px;margin-bottom:32px}
.hero .lead strong{color:#fff}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:42px}
.hero-stats{display:flex;gap:38px;flex-wrap:wrap}
.hstat strong{display:block;font-size:30px;font-weight:900;color:#fff;line-height:1}
.hstat span{font-size:13px;color:var(--grey)}
.scroll-cue{position:absolute;bottom:26px;left:50%;transform:translateX(-50%);z-index:2;color:var(--grey);font-size:12px;letter-spacing:.2em;text-transform:uppercase;animation:bob 2s ease-in-out infinite}
@keyframes bob{50%{transform:translate(-50%,8px)}}

/* marquee */
.marquee{background:var(--red);color:#fff;overflow:hidden;white-space:nowrap;padding:14px 0;font-weight:700;letter-spacing:.02em}
.marquee div{display:inline-block;animation:scrollx 28s linear infinite}
.marquee span{padding:0 26px;opacity:.95}
.marquee b{color:#ffd9d7;font-weight:700}
@keyframes scrollx{to{transform:translateX(-50%)}}

/* sections */
.sec{padding:96px 0}
.sec-eyebrow{display:inline-block;color:var(--red);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.sec-title{font-size:clamp(28px,4vw,42px);font-weight:900;margin-bottom:18px}
.dark{background:var(--ink);color:#fff}
.dark .sec-title,.dark h2,.dark h3{color:#fff}
.dark p{color:#bdb7b2}

/* magazyn */
.bank-in{display:grid;grid-template-columns:1.3fr .85fr;gap:56px;align-items:center}
.bank h2{font-size:clamp(28px,4vw,44px)}
.bank .lead{font-size:18px;margin:18px 0 24px}
.bank strong{color:#fff}
.bank-list{list-style:none;display:grid;gap:12px;margin-bottom:26px}
.bank-list li{padding-left:30px;position:relative;color:#e4ded9}
.bank-list li::before{content:"";position:absolute;left:0;top:9px;width:16px;height:16px;border-radius:50%;background:var(--red);box-shadow:0 0 0 4px rgba(211,45,42,.25)}
.bigstat{border:1px solid rgba(255,255,255,.14);border-radius:24px;padding:44px;text-align:center;background:radial-gradient(120% 120% at 70% 0%,rgba(211,45,42,.28),transparent 60%)}
.bigstat .num{font-size:96px;font-weight:900;color:#fff;line-height:.9;letter-spacing:-.04em}
.bigstat .num small{font-size:34px;color:var(--red-l)}
.bigstat .cap{display:block;margin-top:14px;color:#cfc9c4;font-size:15px;max-width:200px;margin-inline:auto}

/* features */
.feat-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.feat{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--r);padding:32px;transition:.2s}
.feat:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(20,19,18,.10);border-color:transparent}
.feat .ic{width:46px;height:46px;border-radius:12px;background:var(--red);color:#fff;display:grid;place-items:center;font-weight:900;font-size:20px;margin-bottom:16px}
.feat h3{font-size:20px;margin-bottom:10px}
.feat p{font-size:15px}

/* counters */
.counters{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
.cnt .num{font-size:clamp(40px,6vw,64px);font-weight:900;color:var(--red);letter-spacing:-.03em;line-height:1}
.cnt p{margin-top:8px;font-size:14px;color:#cfc9c4}

/* segments */
.seg-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.seg-card{border:2px solid var(--line);border-radius:var(--r);padding:34px;transition:.2s}
.seg-card:hover{border-color:var(--red)}
.seg-card h3{font-size:23px;margin-bottom:12px}
.seg-card p{margin-bottom:14px}

/* refs */
.ref-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.ref{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;text-align:center}
.ref .kwp{display:block;font-size:38px;font-weight:900;color:var(--red);letter-spacing:-.03em}
.ref p{font-size:14px;margin-top:6px}
.partner{display:flex;align-items:center;justify-content:center;gap:14px;margin-top:34px;color:var(--muted);font-size:14px;flex-wrap:wrap}
.partner img{height:26px}

/* process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s;list-style:none}
.steps li{position:relative;padding-top:14px}
.steps .n{font-size:46px;font-weight:900;color:var(--red);opacity:.25;line-height:1}
.steps h4{font-size:18px;margin:8px 0 6px}
.steps p{font-size:14px}

/* form */
.form-sec{background:var(--ink-2);color:#fff}
.form-card{max-width:560px;margin:0 auto;background:#fff;color:var(--ink);border-radius:22px;padding:38px;box-shadow:0 30px 70px rgba(0,0,0,.4)}
.form-card h2{font-size:28px;margin-bottom:6px;color:var(--ink)}
.form-card .sub{font-size:14px;color:var(--muted);margin-bottom:22px}
#leadForm input,#leadForm select,#leadForm textarea{width:100%;padding:15px;border:1.5px solid var(--line);border-radius:12px;font:inherit;margin-bottom:12px;color:var(--ink)}
#leadForm input:focus,#leadForm select:focus,#leadForm textarea:focus{outline:none;border-color:var(--red)}
.form-note{font-size:12px;color:var(--muted);margin-top:8px}
.form-msg{font-size:14px;margin-top:12px;font-weight:600}
.form-msg.ok{color:#1a8f4e}.form-msg.err{color:var(--red)}

/* footer */
.ftr{background:#0d0c0b;color:#bdb7b2;padding:56px 0 26px}
.ftr-in{display:flex;justify-content:space-between;gap:34px;flex-wrap:wrap;padding-bottom:26px;border-bottom:1px solid rgba(255,255,255,.08)}
.ftr-in img{height:24px;margin-bottom:12px}
.ftr p{color:#8e8884;font-size:14px;line-height:1.8}
.ftr-contact{display:flex;flex-direction:column;gap:6px;font-size:15px;color:#e4ded9}
.ftr-contact a:hover{color:#fff}
.ftr-bottom{text-align:center;font-size:12px;color:#6d6863;margin-top:20px}

.wa-float{position:fixed;right:18px;bottom:18px;z-index:60;background:#25d366;color:#fff;font-weight:700;padding:14px 20px;border-radius:999px;box-shadow:0 10px 30px rgba(37,211,102,.45)}
.wa-float:hover{transform:translateY(-3px)}

/* reveal */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

@media(max-width:880px){
  .bank-in,.feat-grid,.seg-grid,.steps,.counters,.ref-grid{grid-template-columns:1fr}
  .ref-grid,.counters{grid-template-columns:repeat(2,1fr)}
  .hdr-phone{display:none}
  .bigstat .num{font-size:74px}
  .sec{padding:64px 0}
}
@media(prefers-reduced-motion:reduce){.marquee div,.scroll-cue{animation:none}.reveal{opacity:1;transform:none}}