/* ============================================================
   IKPolisa.pl — styl inspirowany PZU.pl
   Paleta: granat #003D7C · czerwień #D4002A · szary #F5F7FA
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Source+Sans+3:wght@400;600;700;800&display=swap');

:root {
  --navy:       #003D7C;
  --navy-dark:  #002B58;
  --navy-light: #1A5FA8;
  --red:        #D4002A;
  --red-dark:   #A50021;
  --sky:        #007AC2;
  --bg:         #F5F7FA;
  --card:       #ffffff;
  --text:       #1A1F2E;
  --muted:      #5A6578;
  --border:     #DDE3ED;
  --shadow:     0 4px 20px rgba(0,61,124,.10);
  --shadow-sm:  0 2px 8px  rgba(0,61,124,.07);
  --radius:     12px;
  --radius-lg:  18px;
  --max:        1200px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Source Sans 3', system-ui, -apple-system, Arial, sans-serif;
  font-size: 15px;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }
a  { color: inherit; text-decoration: none; }
h1,h2,h3,h4 { line-height: 1.2; }
.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }

/* ── TOPBAR ── */
.topbar {
  background: var(--navy-dark);
  color: #fff;
  font-size: 13px;
}
.topbar-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
  padding: 8px 0;
}
.topbar-item { display: flex; align-items: center; gap: 7px; opacity: .9; }
.topbar-item i { font-size: 12px; }

/* ── HEADER ── */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;
  border-bottom: 2px solid var(--navy);
  box-shadow: 0 2px 8px rgba(0,61,124,.08);
}
.header-content {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 14px 0;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand-mark {
  width: 44px; height: 44px;
  border-radius: 10px;
  display: grid; place-items: center;
  background: var(--navy);
  color: #fff;
  font-size: 20px;
  flex-shrink: 0;
}
.brand-text strong { display: block; font-size: 15px; font-weight: 800; color: var(--navy); }
.brand-text small  { display: block; font-size: 12px; color: var(--muted); }

.nav-desktop { margin-left: auto; display: flex; gap: 4px; }
.nav-desktop a {
  font-size: 14px; font-weight: 600;
  color: var(--text);
  padding: 8px 14px;
  border-radius: 8px;
  transition: background .15s, color .15s;
}
.nav-desktop a:hover, .nav-desktop a.active {
  background: #EAF0F8;
  color: var(--navy);
}

.header-cta { display: flex; align-items: center; gap: 10px; margin-left: 8px; }
.mobile-menu-btn {
  display: none;
  width: 40px; height: 40px;
  border-radius: 8px;
  border: 1px solid var(--border);
  background: #fff;
  cursor: pointer;
  font-size: 18px;
  color: var(--navy);
}

/* ── BUTTONS ── */
.btn-primary, .btn-secondary, .btn-ghost {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  border-radius: 8px;
  padding: 11px 20px;
  font-size: 14px; font-weight: 700;
  cursor: pointer;
  border: 2px solid transparent;
  transition: background .18s, border-color .18s, box-shadow .18s, transform .1s;
  white-space: nowrap;
  text-decoration: none;
}
.btn-primary {
  background: var(--red);
  color: #fff;
  border-color: var(--red);
}
.btn-primary:hover { background: var(--red-dark); border-color: var(--red-dark); transform: translateY(-1px); box-shadow: 0 6px 18px rgba(212,0,42,.25); }

.btn-secondary {
  background: #fff;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-secondary:hover { background: #EAF0F8; }

.btn-ghost {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,.5);
}
.btn-ghost:hover { background: rgba(255,255,255,.12); border-color: #fff; }

.btn-lg { padding: 13px 26px; font-size: 15px; }
.btn-block { width: 100%; }

/* ── MOBILE MENU ── */
.mobile-menu {
  display: none;
  position: fixed;
  top: 74px; left: 12px; right: 12px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  padding: 8px;
  z-index: 999;
}
.mobile-menu.active { display: block; }
.mobile-menu a {
  display: block;
  padding: 11px 14px;
  border-radius: var(--radius);
  color: var(--text);
  font-weight: 600;
  font-size: 14px;
}
.mobile-menu a:hover { background: #EAF0F8; color: var(--navy); }
.mobile-menu .mobile-cta {
  margin-top: 6px;
  background: var(--red);
  color: #fff;
  text-align: center;
  border-radius: 8px;
}

/* ── HERO ── */
.hero {
  background: var(--navy);
  color: #fff;
  padding: 56px 0 60px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 80% at 80% 50%, rgba(0,122,194,.25), transparent 60%),
              radial-gradient(ellipse 50% 60% at 5% 80%, rgba(212,0,42,.20), transparent 55%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 40px;
  align-items: center;
  position: relative;
}
.hero-eyebrow { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 16px; }
.pill {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 6px 12px;
  border-radius: 999px;
  background: rgba(255,255,255,.15);
  color: #fff;
  font-size: 13px; font-weight: 600;
  border: 1px solid rgba(255,255,255,.25);
}
.pill.subtle { background: rgba(255,255,255,.08); }

.hero-copy h1 {
  margin: 0 0 16px;
  font-size: 38px;
  font-weight: 800;
  color: #fff;
  letter-spacing: -.3px;
  line-height: 1.1;
}
.lead {
  margin: 0 0 24px;
  color: rgba(255,255,255,.80);
  font-size: 16px;
  line-height: 1.65;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 28px; }

.trust-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
.trust-item {
  background: rgba(255,255,255,.10);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: var(--radius);
  padding: 12px 14px;
  display: flex; gap: 10px; align-items: flex-start;
}
.trust-item i { color: #7DC6F5; margin-top: 2px; flex-shrink: 0; }
.trust-item span { font-size: 13px; color: rgba(255,255,255,.80); }
.trust-item strong { color: #fff; display: block; margin-bottom: 2px; }

/* hero media */
.hero-media {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(0,0,0,.35);
  border: 1px solid rgba(255,255,255,.15);
  position: relative;
}
.hero-media img { width: 100%; display: block; }
.media-caption {
  position: absolute; bottom: 12px; left: 12px; right: 12px;
  background: rgba(0,20,50,.75);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 10px;
  padding: 10px 14px;
  color: rgba(255,255,255,.85);
  font-size: 12px;
}
.media-caption strong { color: #fff; display: block; }

/* ── PROOF STRIP ── */
.proof {
  background: #fff;
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.proof-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
}
.proof-card {
  padding: 16px 24px;
  border-right: 1px solid var(--border);
  text-align: center;
}
.proof-card:last-child { border-right: none; }
.proof-kpi { display: block; font-size: 36px; font-weight: 800; color: var(--navy); line-height: 1; }
.proof-label { display: block; font-size: 13px; color: var(--muted); margin-top: 4px; font-weight: 600; }

/* ── SECTIONS ── */
section { padding: 60px 0; }
.section.alt { background: #fff; }
.section-head { margin-bottom: 32px; max-width: 680px; }
.section-head h2 { margin: 0 0 10px; font-size: 28px; font-weight: 800; color: var(--navy); }
.section-head p { margin: 0; color: var(--muted); font-size: 15px; }

/* ── BENEFITS ── */
.benefits-v2 { background: var(--bg); }
.benefits-v2-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 32px;
}
.benefit-v2 {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px;
  box-shadow: var(--shadow-sm);
}
.benefit-v2-icon {
  width: 46px; height: 46px;
  border-radius: 10px;
  background: #EAF0F8;
  color: var(--navy);
  display: grid; place-items: center;
  margin-bottom: 0;
  flex-shrink: 0;
  font-size: 18px;
}
.benefit-v2 h3 { margin: 0 0 8px; font-size: 16px; font-weight: 700; }
.benefit-v2 p { margin: 0; color: var(--muted); font-size: 13px; line-height: 1.5; }

/* SPLIT */
.split {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  box-shadow: var(--shadow);
}
.split-media { min-height: 300px; }
.split-media img { width: 100%; height: 100%; object-fit: cover; }
.split-copy { padding: 32px; }
.split-copy h3 { margin: 0 0 12px; font-size: 22px; font-weight: 800; color: var(--navy); }
.split-copy p { margin: 0 0 16px; color: var(--muted); }

.checklist { list-style: none; padding: 0; margin: 0 0 20px; }
.checklist li {
  display: flex; gap: 10px; align-items: flex-start;
  padding: 8px 0;
  border-bottom: 1px solid var(--border);
  font-size: 14px;
  font-weight: 600;
}
.checklist li:last-child { border-bottom: none; }
.checklist i { color: var(--red); margin-top: 3px; flex-shrink: 0; }

.split-actions { display: flex; gap: 10px; flex-wrap: wrap; }

/* ── COVERAGE GRID ── */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 24px;
}
.coverage-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px;
  box-shadow: var(--shadow-sm);
  border-top: 3px solid var(--navy);
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.coverage-card i {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: #EAF0F8;
  color: var(--navy);
  display: grid; place-items: center;
  margin-bottom: 0;
  flex-shrink: 0;
  font-size: 18px;
}
.coverage-card h3 { margin: 0 0 8px; font-size: 15px; font-weight: 700; }
.coverage-card p { margin: 0; color: var(--muted); font-size: 13px; line-height: 1.5; }

/* ── TRUST SPLIT ── */
.trust-split {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 32px;
  align-items: start;
}
.trust-copy h2 { margin: 0 0 10px; font-size: 26px; font-weight: 800; color: var(--navy); }
.trust-copy p { color: var(--muted); margin: 0 0 16px; }
.trust-cards { display: grid; gap: 14px; }
.mini-card {
  background: #fff;
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy);
  border-radius: var(--radius);
  padding: 16px 18px;
  box-shadow: var(--shadow-sm);
}
.mini-card i { color: var(--red); font-size: 20px; }
.mini-card strong { display: block; margin: 8px 0 4px; font-size: 14px; font-weight: 700; color: var(--navy); }
.mini-card span { display: block; color: var(--muted); font-size: 13px; line-height: 1.45; }

/* ── STEPS ── */
.steps { background: var(--navy); color: #fff; }
.steps .section-head h2 { color: #fff; }
.steps .section-head p { color: rgba(255,255,255,.75); }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.step-card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-lg);
  padding: 24px 20px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.step-no {
  width: 42px; height: 42px;
  border-radius: 10px;
  background: var(--red);
  color: #fff;
  font-weight: 800;
  font-size: 18px;
  display: grid; place-items: center;
  margin-bottom: 0;
  flex-shrink: 0;
}
.step-card h3 { margin: 0 0 8px; font-size: 16px; font-weight: 700; color: #fff; }
.step-card p { margin: 0; color: rgba(255,255,255,.70); font-size: 13px; line-height: 1.55; }

/* ── VARIANTS TABLE ── */
.variants-section {
  background: var(--bg);
  padding: 60px 0;
}
.section-title  { margin: 0 0 6px; font-size: 28px; font-weight: 800; color: var(--navy); }
.section-subtitle { margin: 0 0 24px; color: var(--muted); font-size: 15px; }

.variant-toggle { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 20px; }
.toggle-btn {
  background: #fff;
  border: 2px solid var(--border);
  border-radius: 8px;
  padding: 10px 18px;
  font-size: 14px; font-weight: 700;
  color: var(--muted);
  cursor: pointer;
  display: inline-flex; align-items: center; gap: 8px;
  transition: all .18s;
}
.toggle-btn.active {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
}
.toggle-btn i { font-size: 14px; }

.table-container {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.table-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
.variants-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 900px;
}
.variants-table th,
.variants-table td {
  padding: 11px 14px;
  border-bottom: 1px solid var(--border);
  font-size: 13px;
  text-align: left;
  vertical-align: middle;
}
/* ── WYŚRODKOWANIE KWOT W TABELI ── */
.variants-table td:not(.sticky-col) {
  text-align: center;
}
.variants-table thead th:not(.sticky-col) {
  text-align: center;
}
.price-cell {
  align-items: center;
}
.variants-table thead th {
  position: sticky; top: 0; z-index: 2;
  background: var(--navy);
  color: #fff;
  font-weight: 700;
  font-size: 13px;
  border-bottom: none;
  white-space: nowrap;
}
.table-header th.sticky-col { background: var(--navy); }
.sticky-col {
  position: sticky; left: 0; z-index: 3;
  background: #fff;
  min-width: 220px;
  max-width: 240px;
  font-weight: 600;
  border-right: 2px solid var(--border);
}
thead .sticky-col { background: var(--navy); border-right: 2px solid rgba(255,255,255,.2); }

.category-row td {
  background: #EAF0F8;
  font-weight: 800;
  color: var(--navy);
  font-size: 12px;
  letter-spacing: .4px;
  text-transform: uppercase;
}
.category-row .sticky-col { background: #EAF0F8; }
.data-row:nth-child(odd) td { background: #FAFBFD; }
.data-row:nth-child(odd) .sticky-col { background: #FAFBFD; }
.data-row:nth-child(even) .sticky-col { background: #fff; }

.popular-col { background: rgb(212 0 42) !important; outline: 2px solid rgba(212,0,42,.3); outline-offset: -2px; }
.popular-badge {
  display: block;
  background: #163c78;
  color: #fff;
  font-size: 10px; font-weight: 700;
  padding: 3px 8px;
  border-radius: 999px;
  margin-top: 4px;
  letter-spacing: .3px;
}
.price-row td {
  background: var(--navy) !important;
  color: #fff !important;
  font-weight: 700;
  border-bottom: none;
}
.price-row .sticky-col { background: var(--navy) !important; }
.price-cell { display: flex; flex-direction: column; gap: 8px; align-items: center; }
.price-cell strong { font-size: 16px; font-weight: 800; color: #fff; }

.btn-buy {
  background: var(--red);
  color: #fff;
  border: none;
  border-radius: 6px;
  padding: 8px 14px;
  font-size: 12px; font-weight: 700;
  cursor: pointer;
  transition: background .15s, transform .1s;
  white-space: nowrap;
}
.btn-buy:hover { background: var(--red-dark); transform: translateY(-1px); }

.table-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 14px 18px;
  background: #f7f9fc;
  border-top: 1px solid var(--border);
  flex-wrap: wrap;
}
.table-note { margin: 0; color: var(--muted); font-size: 12px; }

/* ── TESTIMONIALS ── */
.testimonials { background: #fff; }
.testimonial-slider {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 12px;
  align-items: center;
  margin-top: 20px;
}
.testimonial-viewport { overflow: hidden; }
.testimonial-track {
  display: flex;
  gap: 16px;
  transition: transform .35s ease;
}
.testimonial-track .slide { flex: 0 0 calc((100% - 32px) / 3); }
.testimonial {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 20px;
  box-shadow: var(--shadow-sm);
}
.testimonial blockquote {
  margin: 0 0 14px;
  color: var(--text);
  font-size: 14px;
  font-weight: 600;
  line-height: 1.6;
  font-style: italic;
}
.testimonial figcaption {
  display: flex; gap: 10px; align-items: center;
  color: var(--muted); font-size: 12px; margin-top: 0;
}
.avatar {
  width: 38px; height: 38px;
  border-radius: 10px;
  background: #EAF0F8;
  color: var(--navy);
  display: grid; place-items: center;
  flex-shrink: 0;
}
.slider-btn {
  width: 40px; height: 40px;
  border-radius: 8px;
  border: 1px solid var(--border);
  background: #fff;
  color: var(--navy);
  display: grid; place-items: center;
  cursor: pointer;
  font-size: 15px;
  transition: background .15s;
}
.slider-btn:hover { background: #EAF0F8; }
.slider-btn:disabled { opacity: .4; cursor: not-allowed; }
.slider-dots { display: flex; justify-content: center; gap: 8px; margin-top: 14px; }
.slider-dot {
  width: 8px; height: 8px;
  border-radius: 999px; border: none; cursor: pointer;
  background: #C8D2E9; transition: background .2s;
}
.slider-dot.active { background: var(--navy); }

/* ── FAQ ── */
.faq { background: var(--bg); }
.faq-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.faq-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 18px 20px;
  box-shadow: var(--shadow-sm);
}
.faq-item summary {
  cursor: pointer;
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  list-style: none;
  display: flex; justify-content: space-between; align-items: center;
}
.faq-item summary::after { content: '+'; font-size: 20px; color: var(--red); flex-shrink: 0; margin-left: 8px; }
.faq-item[open] summary::after { content: '−'; }
.faq-item p { margin: 12px 0 0; color: var(--muted); font-size: 13px; line-height: 1.6; }

/* ── CONTACT ── */
.contact-v2 { background: #fff; }
.contact-card-v2 {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1fr;
  box-shadow: var(--shadow);
}
.contact-copy {
  padding: 36px;
  background: var(--navy);
  color: #fff;
}
.contact-copy h2 { margin: 0 0 10px; font-size: 24px; color: #fff; }
.lead-sm { margin: 0 0 24px; color: rgba(255,255,255,.75); font-size: 15px; }

.contact-bullets { display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }
.bullet {
  display: flex; gap: 10px; align-items: center;
  font-size: 14px; font-weight: 600; color: rgba(255,255,255,.85);
}
.bullet i { color: #7DC6F5; width: 16px; text-align: center; }
.contact-actions { display: flex; flex-direction: column; gap: 10px; }
.contact-actions .btn-primary { background: var(--red); border-color: var(--red); justify-content: center; }
.contact-actions .btn-ghost { justify-content: center; }

.contact-form { padding: 32px; background: #fff; }
.form-head { margin-bottom: 20px; }
.form-head strong { display: block; font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.form-head span { font-size: 13px; color: var(--muted); }

label {
  display: block;
  font-size: 13px; font-weight: 700;
  color: #334155;
  margin: 14px 0 0;
}
input, select {
  display: block;
  width: 100%;
  margin-top: 5px;
  padding: 10px 12px;
  border-radius: 8px;
  border: 1px solid #C8D2E9;
  background: #fff;
  font-size: 14px;
  color: var(--text);
  font-family: inherit;
  outline: none;
  transition: border-color .15s, box-shadow .15s;
}
input:focus, select:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(0,61,124,.12);
}
.checkbox {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
  margin-top: 16px;
}
.checkbox input { width: auto; margin-top: 3px; }
.form-note { font-size: 12px; color: var(--muted); margin: 10px 0 0; line-height: 1.5; }

/* ── FOOTER ── */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.80);
  padding: 32px 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr .8fr 1fr;
  gap: 24px;
  align-items: start;
}
.footer-brand {
  display: flex; gap: 10px; align-items: center;
  margin-bottom: 10px;
  color: #fff;
  font-weight: 700;
  font-size: 15px;
}
.footer-brand i { font-size: 20px; }
.footer .muted { opacity: .65; font-size: 13px; line-height: 1.6; }
.footer-links { display: flex; flex-direction: column; gap: 8px; }
.footer-links a { color: rgba(255,255,255,.75); font-size: 14px; transition: color .15s; }
.footer-links a:hover { color: #fff; }
.footer-legal { display: flex; flex-direction: column; gap: 8px; font-size: 14px; }
.footer-legal a { color: rgba(255,255,255,.8); }
.footer-legal a:hover { color: #fff; }
.footer-legal .muted { opacity: .55; }

/* ── REVEAL ANIMATION ── */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .45s ease, transform .45s ease; }
.reveal.active { opacity: 1; transform: none; }

/* ── RESPONSIVE ── */
@media (max-width: 980px) {
  .nav-desktop { display: none; }
  .mobile-menu-btn { display: grid; place-items: center; }
  .header-cta .btn-secondary { display: none; }
  .header-cta { margin-left: auto; }

  .hero { padding: 40px 0 44px; }
  .hero-grid { grid-template-columns: 1fr; gap: 28px; }
  .hero-copy h1 { font-size: 30px; }
  .trust-row { grid-template-columns: 1fr; gap: 10px; }
  .hero-media { display: none; }

  .proof-grid { grid-template-columns: 1fr; }
  .proof-card { border-right: none; border-bottom: 1px solid var(--border); }
  .proof-card:last-child { border-bottom: none; }

  .benefits-v2-grid { grid-template-columns: 1fr 1fr; }
  .split { grid-template-columns: 1fr; }
  .split-media { min-height: 200px; }

  .steps-grid { grid-template-columns: 1fr; }
  .coverage-grid { grid-template-columns: 1fr 1fr; }
  .trust-split { grid-template-columns: 1fr; }

  .testimonial-slider { grid-template-columns: 1fr; }
  .testimonial-track .slide { flex: 0 0 100%; }
  .slider-btn { display: none; }

  .faq-grid { grid-template-columns: 1fr; }

  .contact-card-v2 { grid-template-columns: 1fr; }
  .contact-copy { padding: 28px 24px; }
  .contact-actions { flex-direction: row; }

  .footer-grid { grid-template-columns: 1fr; gap: 20px; }

  .table-footer { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 600px) {
  section { padding: 44px 0; }
  .hero-copy h1 { font-size: 26px; }
  .benefits-v2-grid { grid-template-columns: 1fr; }
  .coverage-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn-lg { width: 100%; text-align: center; justify-content: center; }
  .split-copy { padding: 20px; }
  .contact-form { padding: 20px; }
  .contact-copy { padding: 20px; }
  .contact-actions { flex-direction: column; }
  .proof-kpi { font-size: 30px; }
  .section-title { font-size: 24px; }
}

.category-toggle {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: transparent;
  border: 0;
  color: inherit;
  font: inherit;
  font-weight: 800;
  letter-spacing: .3px;
  cursor: pointer;
  padding: 2px 0;
}

.category-toggle i { transition: transform .2s ease; }
.category-toggle[aria-expanded="false"] i { transform: rotate(180deg); }

.is-collapsed { display: none; }

.footer-bottom-note { text-align: center; color: rgba(255,255,255,.85); border-top: 1px solid rgba(255,255,255,.18); margin-top: 20px; padding: 14px 0 4px; font-size: 13px; }