:root{--navy:#0d1b2a;--navy2:#14283d;--gold:#b8914f;--cream:#f7f4ee;--paper:#fff;--ink:#17202a;--muted:#68727d;--line:#e3ddd2;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{color:inherit;text-decoration:none}.container{width:min(var(--max),calc(100% - 40px));margin:auto}.topbar{background:#08131f;color:#d9dee3;font-size:13px}.topbar .container{display:flex;justify-content:space-between;padding:9px 0}.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.nav{min-height:82px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:12px;margin-right:auto}.logo{width:48px;height:48px}.brand strong{display:block;font-family:Georgia,serif;font-size:20px}.brand span{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.16em;color:var(--gold)}.navlinks{display:flex;gap:22px;font-size:14px}.navlinks a:hover{color:var(--gold)}.navcta,.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:3px;font-weight:700;border:1px solid transparent;cursor:pointer}.navcta,.btn.dark{background:var(--navy);color:#fff}.btn.gold{background:var(--gold);color:#fff}.btn.outline{border-color:#b8b1a5;background:transparent}.mobile-toggle{display:none;background:none;border:0;font-size:25px}.hero{background:linear-gradient(115deg,#f8f6f1 0,#fff 57%,#eef1f3 100%);padding:82px 0}.hero-grid,.split,.contact-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:60px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.17em;font-size:12px;font-weight:800;color:var(--gold);margin-bottom:14px}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;line-height:1.15;margin-top:0}h1{font-size:clamp(42px,5vw,68px);letter-spacing:-.03em;margin-bottom:22px}h2{font-size:clamp(31px,4vw,47px);letter-spacing:-.02em}h3{font-size:23px}.hero p,.section-head p{font-size:18px;color:var(--muted)}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0}.trust-row{display:flex;gap:18px;flex-wrap:wrap;font-size:13px;color:#48535d}.hero-visual{min-height:500px;background:linear-gradient(145deg,#102238,#1d344a);position:relative;overflow:hidden;border-radius:4px;box-shadow:0 28px 70px #0d1b2a2b;color:#fff}.hero-visual:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,transparent 0 9%,#ffffff0b 9% 10%,transparent 10% 25%,#ffffff0b 25% 26%,transparent 26% 100%),linear-gradient(0deg,#0005,transparent 60%);clip-path:polygon(0 35%,10% 29%,17% 38%,25% 18%,31% 34%,39% 26%,45% 38%,53% 15%,58% 33%,68% 23%,74% 39%,82% 28%,90% 34%,100% 20%,100% 100%,0 100%)}.city-mark{position:absolute;left:38px;bottom:38px;z-index:2}.city-mark strong{display:block;font:54px Georgia,serif}.city-mark span{display:block}.city-line{font-size:12px;letter-spacing:.35em;color:#d9bd89}.notary-motif{position:absolute;right:32px;top:32px;text-align:center;color:#d9bd89;border:1px solid #d9bd895c;padding:20px}.notary-motif span{display:block;font:54px Georgia}.notary-motif small{letter-spacing:.12em}.section{padding:84px 0}.section.alt{background:var(--cream)}.section-head{max-width:780px;margin-bottom:40px}.cards{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}.card{background:#fff;border:1px solid var(--line);padding:26px;border-radius:4px;box-shadow:0 10px 30px #17202a0a}.card:hover{transform:translateY(-3px);transition:.2s;box-shadow:0 18px 38px #17202a14}.card p,.small,.dark-small{color:var(--muted);font-size:14px}.icon{width:42px;height:42px;border:1px solid #d6c19a;color:var(--gold);display:grid;place-items:center;margin-bottom:20px;font-size:20px}.feature-list{margin-top:26px}.feature{display:flex;gap:12px;margin:15px 0}.check{color:var(--gold);font-weight:900}.calculator{background:var(--navy);color:#fff;padding:32px;border-radius:4px;box-shadow:0 24px 60px #0d1b2a26}.formgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field label{display:block;font-size:13px;font-weight:700;margin-bottom:6px}.field input,.field select,.field textarea{width:100%;padding:13px 12px;border:1px solid #cfc8bc;border-radius:3px;background:#fff;font:inherit}.calc-result{margin-top:16px;padding:16px;background:#ffffff10;border:1px solid #ffffff1f}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.step{border-top:2px solid var(--gold);padding-top:18px}.num{font-size:12px;letter-spacing:.15em;color:var(--gold);font-weight:800}.notice{padding:18px;border-left:3px solid var(--gold);background:#fff;margin-top:24px}.upload{padding:18px;border:1px dashed #b7afa3;background:#faf9f6}.faq details{border-top:1px solid var(--line);padding:18px 0}.faq summary{font-weight:800;cursor:pointer}.contact{background:#101f2f;color:#fff}.contact p{color:#d6dde4}.location-panel{background:#fff;color:var(--ink);padding:12px}.google-map{border:0;width:100%;height:310px}.google-card{padding:18px;display:grid;grid-template-columns:1fr auto;gap:14px;align-items:center}.google-card .btn{grid-column:1/-1}.google-label{display:block;color:#4285f4;font-weight:900;font-size:11px;letter-spacing:.14em}.google-card strong,.google-card span{display:block}.rating{text-align:right}.rating b{font-size:28px}.stars{color:#e3a008}.review-note{font-size:11px!important;color:#68727d!important;padding:0 18px 12px}.footer{background:#08131f;color:#d7dde3;padding:55px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px}.footer a{color:#fff}.legal{border-top:1px solid #ffffff1a;margin-top:30px;padding-top:20px;font-size:12px;color:#99a4ae}.sticky-mobile{display:none}.service-hero{padding:70px 0;background:var(--cream)}.service-content{max-width:850px}.service-content li{margin:8px 0}.legal-box{background:#f7f4ee;border-left:3px solid var(--gold);padding:20px;margin:26px 0}@media(max-width:900px){.navlinks,.navcta{display:none}.mobile-toggle{display:block}.navlinks.open{display:flex;position:absolute;top:82px;left:0;right:0;background:#fff;padding:20px;flex-direction:column;border-bottom:1px solid var(--line)}.hero-grid,.split,.contact-grid{grid-template-columns:1fr}.hero-visual{min-height:360px}.cards{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.sticky-mobile{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;padding:8px;gap:8px;box-shadow:0 -5px 20px #0002}.sticky-mobile .btn{flex:1}.footer{padding-bottom:85px}}@media(max-width:600px){.container{width:min(100% - 28px,var(--max))}.topbar .container{display:block;text-align:center}.hero{padding:52px 0}.hero-grid{gap:32px}.hero-visual{min-height:300px}.city-mark strong{font-size:40px}.cards,.steps,.formgrid,.footer-grid{grid-template-columns:1fr}.section{padding:58px 0}.google-card{grid-template-columns:1fr}.rating{text-align:left}}


/* PREMIUM 3.4 — visual refinement */
:root{--navy:#0b1928;--navy2:#13283b;--gold:#b28a4b;--gold2:#d2b37c;--cream:#f6f2ea;--paper:#fff;--ink:#15202b;--muted:#626e78;--line:#e5ded2;--shadow:0 24px 60px rgba(11,25,40,.10)}
body{font-family:Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;-webkit-font-smoothing:antialiased}
.header{box-shadow:0 8px 30px rgba(11,25,40,.04)}
.brand strong{font-size:21px;letter-spacing:.01em}.logo{width:54px;height:54px}.navlinks{gap:25px}.navlinks a{position:relative}.navlinks a:after{content:"";position:absolute;left:0;right:100%;bottom:-8px;height:1px;background:var(--gold);transition:.2s}.navlinks a:hover:after{right:0}
.hero{position:relative;overflow:hidden;background:linear-gradient(120deg,#faf8f3 0%,#fff 55%,#f0eee8 100%);padding:92px 0 96px}.hero:after{content:"";position:absolute;width:480px;height:480px;border:1px solid rgba(178,138,75,.15);border-radius:50%;right:-250px;top:-260px}.hero-grid{position:relative;z-index:1}.hero h1{max-width:760px}.hero p{max-width:700px}.eyebrow{color:#9b753a}.btn,.navcta{border-radius:2px;letter-spacing:.01em;transition:transform .18s,box-shadow .18s,background .18s}.btn:hover,.navcta:hover{transform:translateY(-1px);box-shadow:0 10px 24px rgba(11,25,40,.14)}
.hero-visual{min-height:520px;border-radius:2px;background:radial-gradient(circle at 72% 22%,rgba(210,179,124,.20),transparent 30%),linear-gradient(145deg,#0b1928,#17334b);box-shadow:0 34px 80px rgba(11,25,40,.24)}
.hero-visual:before{clip-path:none;background:linear-gradient(180deg,transparent 0 48%,rgba(0,0,0,.38) 100%),url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1000 560'%3E%3Cg fill='none' stroke='%23d2b37c' stroke-opacity='.23' stroke-width='2'%3E%3Cpath d='M0 410 L70 410 70 335 120 335 120 390 170 390 170 300 230 300 230 410 300 410 300 245 365 245 365 410 430 410 430 320 485 320 485 410 545 410 545 270 610 270 610 410 675 410 675 220 735 220 735 410 800 410 800 305 855 305 855 410 925 410 925 260 1000 260'/%3E%3Cpath d='M520 410 V180 M490 205 H550 M520 180 L505 220 M520 180 L535 220'/%3E%3C/g%3E%3C/svg%3E") center bottom/cover no-repeat}
.city-mark{left:42px;bottom:42px}.city-mark strong{font-size:58px;letter-spacing:-.03em}.city-mark>span:last-child{opacity:.8;margin-top:6px}.notary-motif{border-color:rgba(210,179,124,.5);padding:22px 18px}.notary-motif small{font-size:9px}
.section{padding:94px 0}.section-head{margin-bottom:46px}.section-head h2{max-width:850px}.cards{gap:18px}.card{border-radius:2px;padding:30px;border-color:#e7e0d5;box-shadow:0 10px 32px rgba(11,25,40,.045);transition:.2s}.card:hover{border-color:#d4c3a5;transform:translateY(-4px);box-shadow:var(--shadow)}.icon{border-radius:50%;width:46px;height:46px;background:#fbf7ef}.calculator{border-radius:2px;background:linear-gradient(145deg,#0b1928,#142c42);box-shadow:0 30px 70px rgba(11,25,40,.22)}
.step{padding-right:18px}.step h3{margin-bottom:8px}.notice{box-shadow:0 8px 25px rgba(11,25,40,.04)}
.contact{background:linear-gradient(145deg,#0a1724,#122b40)}.location-panel{padding:10px;box-shadow:0 26px 70px rgba(0,0,0,.22)}.google-map{height:360px}.google-card{padding:22px}.rating .stars{letter-spacing:1px}.footer-grid h3{font-size:20px}
.service-hero{padding:82px 0;background:linear-gradient(120deg,#f7f3eb,#fff)}.service-content{max-width:900px}.legal-box{border-left-width:2px;background:#f8f4ec;padding:24px}
@media(max-width:900px){.hero{padding:66px 0}.hero-visual{min-height:390px}.section{padding:72px 0}.cards{grid-template-columns:repeat(2,1fr)}.google-map{height:330px}}
@media(max-width:600px){h1{font-size:42px}.hero{padding:48px 0 58px}.hero-visual{min-height:310px}.city-mark{left:25px;bottom:25px}.city-mark strong{font-size:42px}.notary-motif{right:18px;top:18px;padding:14px}.notary-motif span{font-size:40px}.section{padding:58px 0}.cards{grid-template-columns:1fr}.google-map{height:300px}}

/* SEO 4.0: breadcrumbs */
.breadcrumbs{padding:14px 0;background:#f7f3ea;border-bottom:1px solid rgba(20,34,53,.08);font-size:13px;color:#68717b}.breadcrumbs a{color:#9a762f;text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}

/* PREMIUM 4.1 FINAL — responsive polish */
.page-hero{padding:0 0 42px;background:linear-gradient(120deg,#faf8f3,#fff)}
.page-hero>.container{padding-top:0}.page-hero h1{margin-top:0;padding-top:0;font-size:clamp(42px,4.6vw,66px)}
.identity-block{display:grid;grid-template-columns:64px 1fr;gap:24px;align-items:start;margin:0 0 44px;padding:28px;background:#faf8f3;border:1px solid var(--line)}
.identity-block h2{font-size:30px;margin-bottom:10px}.identity-block>div>p{margin-top:0}.identity-icon{width:58px;height:58px;border:1px solid #c7a76f;color:var(--gold);display:grid;place-items:center;font:700 18px Georgia,serif;letter-spacing:.08em;background:#fff}
.pesel-notice{margin-top:18px;box-shadow:none;background:#fff}.pesel-notice p{margin:8px 0 0}.legal-ref{font-size:13px;color:var(--muted)}
.logo{width:58px;height:58px}.brand{gap:14px}.brand strong{font-size:22px}.nav{min-height:86px}
.hero{padding:68px 0 72px}.hero-grid{gap:48px;grid-template-columns:1.12fr .88fr}.hero h1{font-size:clamp(46px,4.45vw,64px);line-height:1.08}.hero-visual{min-height:455px}
@media(max-width:1050px){.navlinks{gap:16px}.nav{gap:18px}.brand strong{font-size:19px}.hero h1{font-size:clamp(44px,5.3vw,58px)}}
@media(max-width:900px){.header{position:sticky}.nav{min-height:74px}.logo{width:48px;height:48px}.brand strong{font-size:18px}.brand span{font-size:10px}.mobile-toggle{display:block;margin-left:auto;padding:8px 10px;color:var(--navy);cursor:pointer}.navlinks.open{top:74px;z-index:70;box-shadow:0 16px 30px rgba(11,25,40,.12)}.hero{padding:52px 0}.hero-grid{gap:34px}.hero-visual{min-height:340px}.page-hero{padding-bottom:34px}.identity-block{margin-bottom:34px}}
@media(max-width:600px){.container{width:min(100% - 28px,var(--max))}.topbar{font-size:11px}.topbar .container{padding:6px 0}.brand{gap:9px}.logo{width:43px;height:43px}.brand strong{font-size:16px}.brand span{letter-spacing:.12em}.nav{min-height:66px}.navlinks.open{top:66px}.hero{padding:38px 0 46px}.hero h1{font-size:38px;line-height:1.08;margin-bottom:16px}.hero p{font-size:16px}.hero-visual{min-height:270px}.city-mark strong{font-size:36px}.city-mark{left:22px;bottom:22px}.notary-motif{right:15px;top:15px}.page-hero h1{font-size:38px}.page-hero p{font-size:16px}.breadcrumbs{padding:10px 0}.identity-block{grid-template-columns:1fr;gap:14px;padding:20px}.identity-icon{width:50px;height:50px}.identity-block h2{font-size:27px}.section{padding:50px 0}.card{padding:22px}.footer-grid{gap:24px}.sticky-mobile{padding-bottom:max(8px,env(safe-area-inset-bottom))}}
@media(max-width:380px){.brand strong{font-size:15px}.brand span{font-size:9px}.hero h1,.page-hero h1{font-size:34px}.mobile-toggle{padding:6px}.container{width:min(100% - 22px,var(--max))}}

/* PREMIUM 4.2 FINAL — clarity refinements */
.brand .logo{width:62px;height:62px;flex:0 0 62px}
.brand strong{font-size:23px}.brand span{font-weight:700;color:#9b753a;letter-spacing:.18em}
.hero h1{font-size:clamp(44px,4vw,59px);line-height:1.06;letter-spacing:-.025em;max-width:690px}
.identity-block{display:block;padding:30px 32px;margin-top:0;background:linear-gradient(120deg,#faf8f3,#fff)}
.identity-kicker{font-size:12px;font-weight:800;letter-spacing:.17em;color:#9b753a;margin-bottom:9px}
.identity-block h2{font-size:clamp(31px,3vw,42px);line-height:1.08;margin:0 0 16px}
.pesel-notice{margin-top:22px;padding:20px 22px;border-left:3px solid var(--gold);background:#fff;box-shadow:0 8px 26px rgba(11,25,40,.045)}
.pesel-notice strong{font-size:17px}.pesel-notice p{line-height:1.65}
@media(max-width:900px){.brand .logo{width:52px;height:52px;flex-basis:52px}.brand strong{font-size:19px}.hero h1{font-size:clamp(42px,7vw,54px)}}
@media(max-width:600px){.brand .logo{width:46px;height:46px;flex-basis:46px}.brand strong{font-size:16px}.hero h1{font-size:37px}.identity-block{padding:22px 20px}.identity-kicker{font-size:10px}.identity-block h2{font-size:30px}.pesel-notice{padding:18px}}

/* PREMIUM 4.3 FINAL — balanced grids, calculator note, deposit emphasis */
.activities-grid{grid-template-columns:repeat(5,minmax(0,1fr));align-items:stretch}.activities-grid .card,.documents-grid .card{height:100%;display:flex;flex-direction:column}.documents-grid{grid-template-columns:repeat(4,minmax(0,1fr));align-items:stretch}.calc-note{margin:12px 0 0;color:#d5dde5;font-size:12px;line-height:1.55}.deposit-lead{padding:28px 30px;margin-bottom:34px;background:linear-gradient(120deg,#f8f4ec,#fff);border-left:4px solid var(--gold);box-shadow:0 10px 30px rgba(11,25,40,.05)}.deposit-lead h2{font-size:clamp(30px,3vw,42px);margin-bottom:16px}.deposit-lead p{font-size:16px}.deposit-lead .legal-ref{font-size:13px;color:var(--muted)}
@media(max-width:1050px){.activities-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.documents-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:900px){.activities-grid,.documents-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){.activities-grid,.documents-grid{grid-template-columns:1fr}.deposit-lead{padding:22px 20px}}