:root {
  --navy: #0D1B2A;
  --blue: #7FA8D6;
  --teal: #4AA3A2;
  --text: #334155;
  --bg: #F2F6FB;
  --surface: #FFFFFF;
  --gold: #F5C95C;
  --gold-soft: #FFF2D5;
  --teal-soft: #E3F4F2;
  --blue-soft: #EAF2FB;
  --border: #DDE7F2;
  --shadow: 0 18px 50px rgba(13, 27, 42, .10);
  --radius-xl: 28px;
  --radius-lg: 20px;
  --radius-md: 14px;
  --container: 1420px;
  --serif: Georgia, 'Times New Roman', serif;
  --sans: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); color: var(--text); background: linear-gradient(180deg, #fff 0%, var(--bg) 42%, #fff 100%); line-height: 1.5; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button, input { font: inherit; }
.container { width: min(var(--container), calc(100% - 56px)); margin-inline: auto; }
.skip-link { position: absolute; left: 16px; top: -100px; background: var(--navy); color: #fff; padding: 10px 14px; border-radius: 10px; z-index: 100; }
.skip-link:focus { top: 12px; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.88); backdrop-filter: blur(18px); border-bottom: 1px solid var(--border); }
.header-grid { min-height: 86px; display: grid; grid-template-columns: auto 1fr auto; gap: 26px; align-items: center; }
.brand { display: inline-flex; align-items: center; gap: 12px; min-width: fit-content; }
.brand-mark { width: 48px; height: 54px; display: grid; place-items: center; position: relative; }
.brand-mark:before { content: ''; position: absolute; inset: 0; background: var(--navy); clip-path: polygon(50% 0, 94% 18%, 85% 77%, 50% 100%, 15% 77%, 6% 18%); }
.brand-mark span { width: 24px; height: 30px; position: relative; z-index: 1; background: linear-gradient(90deg, transparent 0 18%, #fff 18% 34%, transparent 34% 45%, #fff 45% 63%, transparent 63% 72%, #7FA8D6 72% 90%, transparent 90%); transform: translateY(4px); }
.brand-copy strong { display: block; font-family: var(--serif); font-size: clamp(24px, 2vw, 34px); color: var(--navy); line-height: .92; letter-spacing: -.02em; }
.brand-copy em { color: var(--blue); font-style: normal; }
.brand-copy small { display: block; text-transform: uppercase; letter-spacing: .22em; color: var(--text); font-size: 11px; font-weight: 700; margin-top: 5px; }
.nav { display: flex; justify-content: center; gap: clamp(14px, 2vw, 30px); font-weight: 700; font-size: 14px; color: var(--navy); }
.nav a { opacity: .9; }
.nav a:hover { color: var(--teal); }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; border-radius: 10px; border: 1px solid transparent; padding: 14px 22px; font-weight: 800; transition: transform .15s ease, box-shadow .15s ease, background .15s ease; cursor: pointer; }



p {
  text-align: justify;
  text-justify: inter-word;
  line-height: 1.7;
}


section {
  scroll-margin-top: 120px;
}


.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--navy); color: #fff; box-shadow: 0 12px 28px rgba(13, 27, 42, .18); }
.btn-primary:hover { background: #102742; }
.btn-ghost { background: rgba(255,255,255,.78); border-color: var(--blue); color: var(--navy); }
.header-cta { background: linear-gradient(135deg, var(--teal), #17A782); }
.hero { padding: 44px 0 22px; position: relative; overflow: hidden; }
.hero:after { content: ''; position: absolute; inset: auto -10% 0 auto; width: 58%; height: 76%; background: radial-gradient(circle at center, rgba(245,201,92,.22), transparent 62%); pointer-events: none; }
.hero-grid { display: grid; grid-template-columns: 1fr minmax(460px, .95fr); align-items: center; gap: 48px; position: relative; z-index: 1; }
.eyebrow { display: inline-flex; padding: 7px 12px; border-radius: 999px; background: var(--gold-soft); color: #835b00; font-weight: 800; font-size: 13px; margin: 0 0 18px; }
h1, h2, h3 { color: var(--navy); margin: 0; }
h1 { font-family: var(--serif); font-size: clamp(42px, 5.3vw, 76px); line-height: .96; letter-spacing: -.045em; max-width: 830px; }
h1 mark { color: var(--teal); background: linear-gradient(transparent 65%, rgba(245,201,92,.65) 65%); padding: 0 .05em; }
.lead { font-size: clamp(17px, 1.25vw, 21px); max-width: 760px; margin: 26px 0 0; color: var(--text); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 18px; margin: 30px 0 18px; }
.affiliate-note { display: flex; gap: 10px; align-items: flex-start; color: #536273; max-width: 690px; font-size: 14px; }
.affiliate-note span { color: var(--teal); font-weight: 900; }
.hero-media { position: relative; min-height: 520px; display: grid; align-items: center; }
.hero-media > img { width: 86%; margin-left: auto; border-radius: var(--radius-xl); }
.trust-card { position: absolute; right: 0; top: 54px; width: min(430px, 54%); background: rgba(255,255,255,.92); border: 1px solid var(--border); border-radius: 24px; box-shadow: var(--shadow); padding: 18px; }
.trust-row { display: grid; grid-template-columns: 56px 1fr; gap: 14px; align-items: center; padding: 14px 0; border-bottom: 1px solid var(--border); }
.trust-row:last-child { border-bottom: 0; }
.trust-row p { margin: 0; font-size: 14px; }
.trust-row strong { color: var(--navy); font-size: 17px; }
.trust-row.compact p { font-size: 13px; }
.icon { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 50%; font-weight: 900; color: var(--navy); }
.icon.teal { background: var(--teal-soft); color: #08716F; }
.icon.blue { background: var(--blue-soft); color: #27639C; }
.icon.gold { background: var(--gold-soft); color: #A97400; }
.section { padding: 20px 0; }
.section-dense { padding-top: 0; }
.panel { background: rgba(255,255,255,.88); border: 1px solid var(--border); border-radius: var(--radius-xl); box-shadow: 0 10px 30px rgba(13,27,42,.05); }
.process-panel { padding: 24px 30px 30px; }
.process-panel h2 { text-align: center; font-family: var(--serif); font-size: 34px; margin-bottom: 22px; }

.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px; counter-reset: step; }
.steps li { text-align: center; position: relative; padding: 0 12px; }
.steps li:not(:last-child):after { content: ''; position: absolute; top: 40px; right: -34px; width: 58px; border-top: 3px dotted var(--blue); opacity: .8; }
.step-number { width: 26px; height: 26px; border-radius: 50%; display: inline-grid; place-items: center; background: var(--navy); color: #fff; font-weight: 900; font-size: 13px; position: relative; z-index: 1; }
.step-icon { width: 64px; height: 64px; margin: 8px auto 10px; border-radius: 50%; display: grid; place-items: center; background: linear-gradient(135deg, var(--blue-soft), #fff); border: 1px solid var(--border); color: var(--navy); font-size: 28px; }
.steps strong { display: block; color: var(--navy); font-size: 17px; }
.steps p { margin: 6px auto 0; max-width: 210px; font-size: 14px; color: #435268; }
.section-head { display: flex; justify-content: space-between; align-items: center; gap: 18px; margin-bottom: 16px; }
.section-head h2, .ranking-panel h2, .trust-panel h2, .stats-panel h2, .safety-panel h2, .newsletter-panel h2 { font-family: var(--serif); font-size: 32px; }
.section-head a, .text-link { color: #0B5D97; font-weight: 800; }
.promo-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }


.promo-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: 0 10px 24px rgba(13,27,42,.05); padding: 22px; display: flex; flex-direction: column; min-height: 340px; position: relative; overflow: hidden; }


.promo-card.best:before { content: '  '; position: absolute; top: 0; left: 0; right: 0; height: 6px; background: linear-gradient(90deg, var(--gold), var(--teal)); }



.card-top { display: flex; align-items: center; justify-content: space-between; gap: 10px; margin-bottom: 18px; }
.chip { border-radius: 999px; padding: 6px 10px; text-transform: uppercase; font-size: 10px; font-weight: 900; letter-spacing: .04em; }
.teal-light { background: var(--teal-soft); color: #0C6B69; }
.gold-light { background: var(--gold-soft); color: #8A5E00; }
.bank-logo { color: var(--navy); font-size: 18px; }
.bank-logo.pekao { color: #CD241E; } .bank-logo.erste { color: #0C5FC7; } .bank-logo.bnp { color: #008A4C; } .bank-logo.mbank { color: #C31C1E; }
.promo-card h3 { font-size: 28px; line-height: 1; letter-spacing: -.02em; margin-bottom: 14px; }
.promo-card h3:first-line { color: #009E55; }
.promo-card h3 span { color: var(--navy); }
.promo-card p { margin: 0 0 16px; color: #3E4D62; }
.meta { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: auto 0 14px; }
.meta div { background: #F7FAFD; padding: 10px; border-radius: 12px; }
.meta dt { font-size: 11px; text-transform: uppercase; color: #677689; font-weight: 800; }
.meta dd { margin: 2px 0 0; font-weight: 800; color: var(--navy); }
.easy { color: #009E55 !important; } .medium { color: #D57A00 !important; } .hard { color: #D11A2A !important; }
.tags { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 16px; }
.tags span { background: var(--blue-soft); color: #345B7F; border-radius: 8px; padding: 6px 10px; font-size: 12px; font-weight: 800; }
.btn-card { width: 100%; background: var(--navy); color: #fff; padding: 10px 14px; margin-top: auto; }
.two-column { display: grid; grid-template-columns: 1.1fr .9fr; gap: 18px; }
.two-column.wide-left { grid-template-columns: .9fr 1.1fr; }
.ranking-panel, .trust-panel, .stats-panel, .safety-panel { padding: 22px; }
.tabs { display: flex; flex-wrap: wrap; gap: 10px; margin: 16px 0; }
.tabs button { border: 0; background: var(--blue-soft); color: var(--navy); border-radius: 10px; padding: 10px 16px; font-weight: 800; }
.tabs button:first-child { background: var(--navy); color: #fff; }
.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; min-width: 700px; font-size: 14px; }
th { text-align: left; color: #607083; font-size: 12px; text-transform: uppercase; letter-spacing: .04em; }
th, td { padding: 12px 10px; border-bottom: 1px solid var(--border); }
.money { color: #009E55; font-weight: 900; }
.status { display: inline-flex; border-radius: 999px; padding: 5px 9px; font-weight: 900; font-size: 12px; background: var(--teal-soft); }
.status.medium { background: var(--gold-soft); }
.dark { background: radial-gradient(circle at 86% 86%, rgba(74,163,162,.35), transparent 32%), linear-gradient(135deg, #08213C, var(--navy)); color: #fff; border-color: transparent; }
.dark h2 { color: #fff; }
.trust-points { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 18px; }
.trust-points p { margin: 0; color: rgba(255,255,255,.86); }
.trust-points strong { color: #fff; }
.trust-points span { display: inline-grid; place-items: center; width: 46px; height: 46px; border-radius: 50%; background: #fff; color: var(--navy); margin-right: 10px; float: left; }
.stats-panel { background: linear-gradient(135deg, #fff, #FFF7E6); border-color: rgba(245,201,92,.6); }
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin: 16px 0; }
.stats div { background: rgba(255,255,255,.82); border: 1px solid var(--border); border-radius: 16px; padding: 16px; }
.stats small { display: block; font-weight: 800; color: #63758A; min-height: 34px; }
.stats strong { display: block; color: var(--navy); font-size: 28px; margin-top: 4px; }
.safety-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; margin-top: 16px; }
.safety-grid p { margin: 0; }
.safety-grid span { display: block; color: var(--teal); font-size: 28px; margin-bottom: 6px; }
.safety-grid strong { color: var(--navy); }
.newsletter { padding-bottom: 26px; }
.newsletter-panel { display: grid; grid-template-columns: 240px 1fr auto; align-items: center; gap: 22px; padding: 18px 22px; background: linear-gradient(90deg, var(--gold-soft), #fff, var(--blue-soft)); border: 1px solid rgba(245,201,92,.65); border-radius: var(--radius-xl); }
.newsletter-panel img { width: 240px; border-radius: 18px; }
.newsletter-panel p { margin: 6px 0 0; }
.newsletter-form { display: flex; gap: 10px; }
.newsletter-form input { min-width: 260px; height: 50px; border: 1px solid var(--border); border-radius: 10px; padding: 0 16px; background: #fff; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.footer { background: linear-gradient(135deg, #08213C, var(--navy)); color: rgba(255,255,255,.82); padding: 36px 0 18px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr repeat(5, 1fr); gap: 28px; }
.footer .brand-copy strong, .footer h3 { color: #fff; }
.footer .brand-mark:before { background: rgba(255,255,255,.16); border: 1px solid rgba(255,255,255,.25); }
.footer a { display: block; margin: 8px 0; color: rgba(255,255,255,.82); }
.footer a:hover { color: #fff; }
.socials { display: flex; gap: 10px; margin-top: 14px; }
.socials a { width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; background: rgba(255,255,255,.12); }
.footer-note { max-width: var(--container); margin: 28px auto 0; width: min(var(--container), calc(100% - 56px)); font-size: 12px; color: rgba(255,255,255,.65); text-align: center; }
@media (max-width: 1180px) {
  .header-grid { grid-template-columns: 1fr auto; }
  .nav { grid-column: 1 / -1; order: 3; justify-content: flex-start; overflow-x: auto; padding-bottom: 12px; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-media { min-height: auto; }
  .hero-media > img { width: 100%; }
  .trust-card { top: 22px; right: 22px; }
  .promo-grid { grid-template-columns: repeat(2, 1fr); }
  .two-column, .two-column.wide-left { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 760px) {
  .container { width: min(100% - 28px, var(--container)); }
  .site-header { position: static; }
  .header-grid { min-height: auto; padding: 14px 0; gap: 14px; grid-template-columns: 1fr; }
  .brand-mark { width: 40px; height: 45px; }
  .brand-copy strong { font-size: 26px; }
  .brand-copy small { font-size: 9px; }
  .nav { gap: 16px; font-size: 13px; padding-bottom: 8px; }
  .header-cta { width: 100%; }
  .hero { padding: 26px 0 12px; }
  h1 { font-size: clamp(38px, 12vw, 52px); }
  .lead { font-size: 16px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-media { margin-top: 8px; }
  .trust-card { position: relative; top: auto; right: auto; width: 100%; margin-top: -16px; }
  .hero-media > img { border-radius: 22px; }
  .process-panel { padding: 20px 16px; }
  .process-panel h2 { font-size: 28px; }
  .steps { grid-template-columns: 1fr; text-align: left; gap: 0; }
  .steps li { display: grid; grid-template-columns: 38px 56px 1fr; align-items: center; text-align: left; padding: 12px 0; border-bottom: 1px solid var(--border); }
  .steps li:last-child { border-bottom: 0; }
  .steps li:not(:last-child):after { display: none; }
  .step-icon { width: 46px; height: 46px; margin: 0; font-size: 22px; }
  .steps p { grid-column: 3; margin: 3px 0 0; max-width: none; }
  .section-head { align-items: flex-start; flex-direction: column; }
  .section-head h2, .ranking-panel h2, .trust-panel h2, .stats-panel h2, .safety-panel h2, .newsletter-panel h2 { font-size: 27px; }
  .promo-grid { grid-template-columns: 1fr; }
  .promo-card { min-height: unset; }
  .trust-points, .stats, .safety-grid { grid-template-columns: 1fr; }
  .newsletter-panel { grid-template-columns: 1fr; }
  .newsletter-panel img { width: 100%; max-height: 160px; object-fit: cover; }
  .newsletter-form { flex-direction: column; }
  .newsletter-form input { min-width: 0; width: 100%; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 460px) {
  .footer-grid { grid-template-columns: 1fr; }
  .trust-row { grid-template-columns: 48px 1fr; }
  .promo-card h3 { font-size: 25px; }
  .meta { grid-template-columns: 1fr; }
  table { font-size: 13px; min-width: 640px; }
}