/* ============================================================
   wypowiadam-oc.pl — Global Styles
   ============================================================ */

:root {
  --teal:       #0ABF9E;
  --teal-dark:  #06A184;
  --teal-xdark: #047a63;
  --teal-light: #E6FAF7;
  --navy:       #073B4C;
  --navy-light: #0e5368;
  --bg:         #F4FCFB;
  --bg2:        #EBF7F5;
  --surface:    #FFFFFF;
  --border:     #D1EDE8;
  --text:       #073B4C;
  --text-mid:   #2d687a;
  --text-muted: #5a8a98;
  --shadow-sm:  0 1px 3px rgba(6,161,132,.12), 0 1px 2px rgba(0,0,0,.06);
  --shadow:     0 4px 16px rgba(6,161,132,.14), 0 2px 8px rgba(0,0,0,.06);
  --shadow-lg:  0 12px 40px rgba(6,161,132,.18), 0 4px 16px rgba(0,0,0,.08);
  --radius:     12px;
  --radius-lg:  20px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  background: var(--bg);
  color: var(--text);
  font-family: 'Inter', 'Segoe UI', system-ui, sans-serif;
  font-size: 15px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--teal-dark); text-decoration: none; }
a:hover { color: var(--teal-xdark); }

/* ── SITE HEADER ── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 500;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 8px rgba(6,161,132,.08);
}
.header-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  height: 64px;
  display: flex;
  align-items: center;
  gap: 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 9px;
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--teal-dark);
  letter-spacing: -.02em;
  text-decoration: none;
  flex-shrink: 0;
}
.brand-icon {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.1rem;
  font-weight: 700;
  flex-shrink: 0;
}
.brand-text span { color: var(--text-muted); font-weight: 400; }

.header-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  margin: 0 auto;
}
.nav-link {
  padding: 7px 14px;
  border-radius: 8px;
  font-size: .88rem;
  font-weight: 500;
  color: var(--text-mid);
  transition: all .15s;
  text-decoration: none;
}
.nav-link:hover { background: var(--teal-light); color: var(--teal-dark); }
.nav-link.active { background: var(--teal-light); color: var(--teal-dark); font-weight: 600; }

.header-actions { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
  background: none;
  border: none;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all .25s;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  display: none;
  flex-direction: column;
  background: #fff;
  border-top: 1px solid var(--border);
  padding: 12px 20px 20px;
  gap: 4px;
}
.mobile-nav.open { display: flex; }
.mobile-nav a { padding: 10px 12px; border-radius: 8px; color: var(--text-mid); font-size: .9rem; }
.mobile-nav a:hover { background: var(--teal-light); }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  padding: 10px 22px;
  border-radius: var(--radius);
  font-size: .88rem;
  font-weight: 600;
  cursor: pointer;
  text-decoration: none;
  border: none;
  transition: all .18s;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  color: #fff;
  box-shadow: 0 4px 14px rgba(10,191,158,.35);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--teal-dark), var(--teal-xdark));
  box-shadow: 0 6px 20px rgba(10,191,158,.45);
  color: #fff;
  transform: translateY(-1px);
}
.btn-outline {
  background: transparent;
  border: 1.5px solid var(--teal-dark);
  color: var(--teal-dark);
}
.btn-outline:hover { background: var(--teal-light); color: var(--teal-dark); transform: translateY(-1px); }
.btn-white {
  background: #fff;
  color: var(--teal-dark);
  box-shadow: 0 4px 14px rgba(0,0,0,.12);
}
.btn-white:hover { background: var(--teal-light); transform: translateY(-2px); }
.btn-lg { padding: 14px 30px; font-size: 1rem; border-radius: 14px; }
.btn-xl { padding: 16px 38px; font-size: 1.08rem; border-radius: 16px; }
.btn-sm { padding: 7px 16px; font-size: .82rem; }

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, #06212a 0%, #073B4C 60%, #0a5368 100%);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 60% at 70% 50%, rgba(10,191,158,.18) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 80px 24px 90px;
  display: grid;
  grid-template-columns: 1fr 440px;
  gap: 60px;
  align-items: center;
  position: relative;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(10,191,158,.15);
  border: 1px solid rgba(10,191,158,.3);
  color: #5ef6e2;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 5px 13px;
  border-radius: 20px;
  margin-bottom: 22px;
}
.hero h1 {
  font-size: clamp(1.9rem, 4vw, 2.9rem);
  font-weight: 800;
  line-height: 1.2;
  color: #fff;
  letter-spacing: -.02em;
  margin-bottom: 20px;
}
.hero h1 .hl { color: var(--teal); }
.hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.72);
  line-height: 1.7;
  max-width: 500px;
  margin-bottom: 32px;
}
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-trust {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: .82rem;
  color: rgba(255,255,255,.62);
}
.hero-trust-item svg { color: var(--teal); flex-shrink: 0; }

/* Hero card - mockup */
.hero-card {
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 24px 64px rgba(0,0,0,.28);
  padding: 28px;
  position: relative;
}
.hero-card-hdr {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
}
.hero-card-icon {
  width: 42px; height: 42px;
  background: var(--teal-light);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
}
.hero-card-hdr h3 { font-weight: 700; font-size: .95rem; color: var(--text); }
.hero-card-hdr p  { font-size: .76rem; color: var(--text-muted); }
.steps-mini { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.steps-mini li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  border-radius: 10px;
  background: var(--bg);
  border: 1px solid var(--border);
  font-size: .86rem;
  color: var(--text-mid);
}
.steps-mini li.done { background: #f0fdfb; border-color: rgba(10,191,158,.3); }
.step-num {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: .72rem; font-weight: 700; color: var(--text-muted);
  flex-shrink: 0;
}
.step-num.done { background: var(--teal); color: #fff; }
.hero-card-cta {
  margin-top: 18px;
  display: block;
  width: 100%;
  text-align: center;
  padding: 13px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  color: #fff;
  font-weight: 700;
  font-size: .95rem;
  box-shadow: 0 4px 14px rgba(10,191,158,.35);
  transition: all .18s;
  text-decoration: none;
}
.hero-card-cta:hover { box-shadow: 0 6px 22px rgba(10,191,158,.45); transform: translateY(-1px); color: #fff; }

/* ── STATS BAR ── */
.stats-bar {
  background: #fff;
  border-bottom: 1px solid var(--border);
  padding: 0;
}
.stats-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.stat-item {
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  border-right: 1px solid var(--border);
}
.stat-item:last-child { border-right: none; }
.stat-num { font-size: 1.75rem; font-weight: 800; color: var(--teal-dark); letter-spacing: -.02em; }
.stat-label { font-size: .78rem; color: var(--text-muted); margin-top: 3px; }

/* ── SECTIONS ── */
.section { padding: 72px 24px; }
.section-inner { max-width: 1160px; margin: 0 auto; }
.section-title {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  text-align: center;
  color: var(--navy);
  letter-spacing: -.02em;
  margin-bottom: 10px;
}
.section-sub {
  text-align: center;
  color: var(--text-muted);
  font-size: .96rem;
  max-width: 540px;
  margin: 0 auto 52px;
  line-height: 1.7;
}
.section-tag {
  display: block;
  text-align: center;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--teal-dark);
  margin-bottom: 12px;
}

/* Section alt bg */
.section-alt { background: var(--bg2); }

/* ── HOW IT WORKS ── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 38px;
  left: calc(16.67% + 20px);
  right: calc(16.67% + 20px);
  height: 2px;
  background: linear-gradient(90deg, var(--teal), var(--teal-dark), var(--teal));
  opacity: .3;
}
.step-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  position: relative;
  transition: box-shadow .2s, transform .2s;
}
.step-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.step-circle {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  color: #fff;
  font-size: 1.4rem;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  box-shadow: 0 6px 18px rgba(10,191,158,.35);
  z-index: 1;
  position: relative;
}
.step-num-badge {
  position: absolute;
  top: -6px; right: -6px;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-size: .65rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
}
.step-card h3 { font-size: .98rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step-card p { font-size: .86rem; color: var(--text-muted); line-height: 1.6; }

/* ── FEATURES GRID ── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.feat-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 26px;
  transition: all .2s;
}
.feat-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: rgba(10,191,158,.4); }
.feat-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: var(--teal-light);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 16px;
}
.feat-card h3 { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.feat-card p  { font-size: .84rem; color: var(--text-muted); line-height: 1.6; }

/* ── UBEZPIECZYCIELE ── */
.insurers-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}
.insurer-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px;
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem;
  font-weight: 700;
  color: var(--text-mid);
  text-align: center;
  min-height: 70px;
  transition: all .15s;
}
.insurer-card:hover { border-color: var(--teal); color: var(--teal-dark); background: var(--teal-light); }

/* ── POWODY CTA ── */
.reasons-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-bottom: 36px;
}
.reason-card {
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px 22px;
  cursor: pointer;
  transition: all .18s;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  text-decoration: none;
  color: inherit;
}
.reason-card:hover { border-color: var(--teal); background: var(--teal-light); color: inherit; transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.reason-art {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  color: #fff;
  border-radius: 8px;
  font-size: .68rem;
  font-weight: 800;
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  text-align: center;
  line-height: 1.2;
  padding: 4px;
}
.reason-card h3 { font-size: .9rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.reason-card p  { font-size: .8rem; color: var(--text-muted); line-height: 1.5; }

/* ── CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 50% 80% at 80% 50%, rgba(10,191,158,.2) 0%, transparent 70%);
  pointer-events: none;
}
.cta-band-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 72px 24px;
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 40px;
  position: relative;
}
.cta-band h2 { font-size: clamp(1.4rem, 3vw, 1.9rem); font-weight: 800; color: #fff; margin-bottom: 10px; letter-spacing: -.02em; }
.cta-band p  { font-size: .95rem; color: rgba(255,255,255,.68); }
.cta-band-btns { display: flex; gap: 12px; }

/* ── CONTENT MAIN ── */
.content-main {
  background: var(--bg);
  padding: 48px 24px 72px;
}
.content-inner {
  max-width: 820px;
  margin: 0 auto;
}

/* ── CARD ── */
.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}
.card-hdr {
  padding: 20px 24px;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 12px;
  background: linear-gradient(to right, var(--teal-light), transparent);
  border-radius: calc(var(--radius-lg) - 1px) calc(var(--radius-lg) - 1px) 0 0;
}
.card-hdr-icon {
  width: 38px; height: 38px;
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  color: #fff;
  flex-shrink: 0;
}
.card-hdr h2  { font-size: 1rem; font-weight: 700; color: var(--navy); }
.card-hdr p   { font-size: .78rem; color: var(--text-muted); }
.card-body { padding: 24px; }

/* ── FORM ── */
.form-grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
label {
  font-size: .78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--text-mid);
}
.form-input, .form-select {
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 11px 14px;
  font-size: .9rem;
  color: var(--text);
  font-family: inherit;
  outline: none;
  transition: border .15s, box-shadow .15s;
  width: 100%;
}
.form-input:focus, .form-select:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(10,191,158,.12);
  background: #fff;
}
.form-input::placeholder { color: var(--text-muted); }

/* Stepper progress (formularz) */
.progress-steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  margin-bottom: 36px;
}
.ps-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  position: relative;
}
.ps-item + .ps-item::before {
  content: '';
  position: absolute;
  right: 100%;
  top: 19px;
  width: 48px;
  height: 2px;
  background: var(--border);
}
.ps-item.done + .ps-item::before { background: var(--teal); }
.ps-num {
  width: 38px; height: 38px;
  border-radius: 50%;
  border: 2px solid var(--border);
  background: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: .8rem;
  font-weight: 700;
  color: var(--text-muted);
  z-index: 1;
  transition: all .2s;
}
.ps-item.active .ps-num { border-color: var(--teal); background: var(--teal); color: #fff; box-shadow: 0 3px 10px rgba(10,191,158,.4); }
.ps-item.done .ps-num { border-color: var(--teal-dark); background: var(--teal-dark); color: #fff; }
.ps-label { font-size: .72rem; font-weight: 600; color: var(--text-muted); white-space: nowrap; }
.ps-item.active .ps-label { color: var(--teal-dark); }
.ps-connector { flex: 1; height: 2px; background: var(--border); max-width: 48px; }
.ps-connector.done { background: var(--teal-dark); }

/* ── FAQ ── */
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border .15s;
}
.faq-item.open { border-color: rgba(10,191,158,.4); }
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 22px;
  cursor: pointer;
  user-select: none;
  font-weight: 600;
  font-size: .95rem;
  color: var(--navy);
  transition: background .15s;
}
.faq-question:hover { background: var(--teal-light); }
.faq-item.open .faq-question { background: var(--teal-light); color: var(--teal-dark); }
.faq-arrow {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--bg2);
  display: flex; align-items: center; justify-content: center;
  transition: all .2s;
  font-size: .75rem;
}
.faq-item.open .faq-arrow { background: var(--teal); color: #fff; transform: rotate(180deg); }
.faq-answer {
  padding: 0 22px;
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease, padding .3s ease;
  font-size: .9rem;
  color: var(--text-mid);
  line-height: 1.7;
}
.faq-item.open .faq-answer { max-height: 400px; padding: 0 22px 20px; }

/* ── AUTH CARD ── */
.auth-wrap { min-height: 70vh; display: flex; align-items: center; justify-content: center; padding: 48px 16px; }
.auth-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 36px;
  width: 100%;
  max-width: 420px;
}
.auth-card h1 { font-size: 1.35rem; font-weight: 800; text-align: center; margin-bottom: 6px; color: var(--navy); }
.auth-card .sub { text-align: center; font-size: .87rem; color: var(--text-muted); margin-bottom: 26px; line-height: 1.5; }
.sms-box {
  display: flex;
  gap: 8px;
}
.sms-box input {
  flex: 1;
  height: 54px;
  text-align: center;
  font-size: 1.4rem;
  font-weight: 700;
  background: var(--bg);
  border: 2px solid var(--border);
  border-radius: 10px;
  color: var(--navy);
  outline: none;
  transition: border .15s, box-shadow .15s;
}
.sms-box input:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(10,191,158,.15); background: #fff; }
.msg-box { padding: 11px 14px; border-radius: 9px; font-size: .85rem; margin-top: 12px; display: none; }
.msg-error { background: #fef2f2; color: #b91c1c; border: 1px solid #fee2e2; display: block; }
.msg-ok { background: #f0fdfb; color: var(--teal-xdark); border: 1px solid rgba(10,191,158,.3); display: block; }

/* ── FOOTER ── */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,.75);
  padding: 54px 24px 28px;
}
.footer-inner {
  max-width: 1160px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-brand .brand { color: #fff; margin-bottom: 14px; display: inline-flex; }
.footer-brand p { font-size: .84rem; color: rgba(255,255,255,.55); line-height: 1.65; max-width: 260px; }
.footer-col h4 { font-size: .74rem; font-weight: 800; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.4); margin-bottom: 14px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a { font-size: .86rem; color: rgba(255,255,255,.65); transition: color .15s; }
.footer-col ul li a:hover { color: var(--teal); }
.footer-sep { border: none; border-top: 1px solid rgba(255,255,255,.1); margin-bottom: 22px; }
.footer-bottom {
  max-width: 1160px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .78rem;
  color: rgba(255,255,255,.4);
  flex-wrap: wrap;
  gap: 8px;
}
.footer-bottom a { color: rgba(255,255,255,.5); }
.footer-bottom a:hover { color: var(--teal); }

/* ── UTILITIES ── */
.text-teal { color: var(--teal-dark); }
.text-center { text-align: center; }
.mt-auto { margin-top: auto; }
.visually-hidden { position: absolute; width: 1px; height: 1px; clip: rect(0,0,0,0); overflow: hidden; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2) { border-right: none; }
  .insurers-grid { grid-template-columns: repeat(3, 1fr); }
  .cta-band-inner { grid-template-columns: 1fr; text-align: center; }
  .cta-band-btns { justify-content: center; }
}
@media (max-width: 768px) {
  .header-nav { display: none; }
  .hamburger { display: flex; }
  .header-actions .btn-outline { display: none; }
  .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .features-grid { grid-template-columns: 1fr; }
  .reasons-grid { grid-template-columns: 1fr; }
  .form-grid2, .form-grid3 { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .stats-inner { grid-template-columns: 1fr 1fr; }
  .insurers-grid { grid-template-columns: repeat(2, 1fr); }
  .progress-steps { gap: 4px; }
  .ps-item + .ps-item::before { width: 24px; }
}
@media (max-width: 480px) {
  .hero-inner { padding: 60px 20px 70px; }
  .hero-ctas { flex-direction: column; }
  .stats-inner { grid-template-columns: 1fr 1fr; }
  .insurers-grid { grid-template-columns: repeat(2, 1fr); }
}