*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Arial,Helvetica,sans-serif;background:#f0f3f7;color:#2c3a47;font-size:14px}
.wrap{max-width:1020px;margin:0 auto;padding:0 14px}
.top{background:#14283c;color:#fff;padding:10px 0}
.topw{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap}
.logo{font-size:21px;font-weight:800;color:#fff;text-decoration:none}
.logo span{color:#4fc3f7}
.top nav a{color:#cfe2f3;text-decoration:none;margin-left:14px;font-size:13px}
.top nav a:hover{color:#fff}
.top .who{color:#8fb8dd;font-size:13px;margin-left:14px}
.top .btn{color:#fff;margin-left:14px}
main{padding:18px 0 40px}
.panel{background:#fff;border:1px solid #dfe7f2;border-radius:10px;padding:18px;margin-bottom:16px}
.panel h3{margin-bottom:10px;font-size:17px}
.panel h4{margin:16px 0 8px;font-size:14px;color:#1a3c5e}
.szary{color:#78909c;font-size:12px}
.btn{display:inline-block;background:#1a3c5e;color:#fff;border:none;border-radius:7px;padding:9px 18px;font-size:13px;font-weight:700;cursor:pointer;text-decoration:none}
.btn:hover{background:#24517c}
.btn-maly{padding:6px 12px;font-size:12px}
.btn-alt{background:#5c7a99}
.btn-danger{background:#dc3545}
.btn-danger:hover{background:#b02a37}
.btn-ziel{background:#2e7d32}
.btn-ziel:hover{background:#256528}
input,select,textarea{padding:9px;border:1px solid #c7d0dd;border-radius:7px;font-size:14px;font-family:inherit;max-width:100%}
label{display:block;font-size:13px;color:#4a6076;margin:10px 0 4px}
.tabela{width:100%;border-collapse:collapse;font-size:13px}
.tabela th{background:#f4f7fb;text-align:left;padding:7px 8px;border-bottom:2px solid #dfe7f2;font-size:12px;color:#4a6076;white-space:nowrap}
.tabela td{padding:7px 8px;border-bottom:1px solid #eef1f5;vertical-align:top}
.tabela tr:hover td{background:#f8fafd}
.nv-msg{padding:11px 14px;border-radius:8px;margin-bottom:14px;font-size:13px}
.nv-msg.ok{background:#d4edda;color:#155724}
.nv-msg.blad{background:#f8d7da;color:#721c24}
.pagi{margin-top:14px;font-size:13px}
.pagi a,.pagi b{display:inline-block;padding:4px 10px;margin-right:4px;border-radius:6px;text-decoration:none}
.pagi a{background:#e8eef5;color:#1a3c5e}
.pagi b{background:#1a3c5e;color:#fff}
.karty{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:6px}
.karta{flex:1;min-width:150px;background:#f6f9fd;border:1px solid #dfe7f2;border-radius:9px;padding:12px 14px}
.karta b{display:block;font-size:19px;color:#1a3c5e}
.karta span{font-size:12px;color:#78909c}
.karta.rtyb-wyb{border-color:#1a3c5e;background:#eaf2fa;cursor:pointer}
.karta{transition:all .15s}
.karta-wyb{cursor:pointer}
.karta-wyb:hover{border-color:#8fb8dd}
.tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:14px}
.tabs a{padding:7px 14px;border-radius:7px;background:#e8eef5;color:#1a3c5e;text-decoration:none;font-size:13px;font-weight:700}
.tabs a.aktywna{background:#1a3c5e;color:#fff}
.kod{background:#f4f6f9;border:1px solid #dfe7f2;border-radius:7px;padding:10px;font-family:Consolas,monospace;font-size:12px;word-break:break-all;white-space:pre-wrap}
.ziel{color:#28a745;font-weight:700}
.czerw{color:#dc3545;font-weight:700}
.pom{color:#e6a100;font-weight:700}
.stop{background:#14283c;color:#7fa3c4;font-size:12px;padding:14px 0;margin-top:20px}
.stop a{color:#9fc2e0}
.baner-pod{display:block;border:1px dashed #b8c6d8;border-radius:8px;padding:14px;text-align:center;color:#78909c;font-size:12px;background:#fafcff}
.nv-modal-bg{position:fixed;inset:0;background:rgba(10,25,40,.5);z-index:9999;display:flex;align-items:center;justify-content:center}
.nv-modal{background:#fff;border-radius:10px;padding:18px;max-width:460px;width:92%;box-shadow:0 12px 44px rgba(0,0,0,.35);font-size:14px}
.nv-modal-t{margin-bottom:14px;line-height:1.5}
.nv-modal-b{text-align:right}
.nv-modal input{padding:8px;border:1px solid #cfe0f0;border-radius:6px;box-sizing:border-box}

/* ================= LANDING v2 (layout z 2.png) ================= */
body{background:#eef3f9}
.top{background:#fff;color:#0b2440;padding:0;border-bottom:1px solid #e3eaf4;box-shadow:0 2px 10px rgba(10,30,60,.05)}
.topw{max-width:1360px;margin:0 auto;padding:0 20px;height:64px;display:flex;align-items:center;gap:26px}
.logo{display:flex;align-items:center;gap:9px;font-size:18px;font-weight:800;color:#0b2440;text-decoration:none;flex:none;white-space:nowrap}
.logo .bars{display:inline-flex;align-items:flex-end;gap:3px;height:26px}
.logo .bars i{width:7px;border-radius:2px 2px 0 0;background:#16a34a}
.logo .bars i:nth-child(1){height:12px}.logo .bars i:nth-child(2){height:19px}.logo .bars i:nth-child(3){height:26px}
.logo span{color:#16a34a}
.top nav{display:flex;align-items:center;gap:2px;flex:1}
.top nav a{color:#1e3a5c;text-decoration:none;padding:8px 13px;font-size:15px;font-weight:600;border-radius:8px}
.top nav a:hover{background:#eef3f9}
.top nav a.on{color:#0b2440;box-shadow:inset 0 -3px 0 #16a34a;border-radius:0}
.top .who{color:#4a6076;font-size:13px;margin-left:10px}
.top form.szukaj{flex:none}
.top form.szukaj input{width:200px;padding:9px 15px 9px 34px;border:none;border-radius:999px;background:#eef3f9 url("data:image/svg+xml,%3Csvg xmlns=%27http://www.w3.org/2000/svg%27 viewBox=%270 0 24 24%27 fill=%27none%27 stroke=%27%237a8ba0%27 stroke-width=%272%27%3E%3Ccircle cx=%2711%27 cy=%2711%27 r=%277%27/%3E%3Cpath d=%27M16.5 16.5 21 21%27/%3E%3C/svg%3E") 11px center/16px no-repeat;font-size:14px}
.top .btn-cta{flex:none;display:inline-block;background:#16a34a;color:#fff;border-radius:999px;padding:10px 20px;font-size:14px;font-weight:800;text-decoration:none;white-space:nowrap}
.top .btn-cta:hover{background:#128a3f}
.top .btn-alt2{color:#1e3a5c;border:1px solid #c9d6e6;border-radius:999px;padding:9px 16px;font-size:14px;font-weight:700;text-decoration:none;background:#fff}
@media(max-width:900px){.topw{flex-wrap:wrap;height:auto;padding:10px 14px;gap:10px}.top nav{order:3;width:100%;overflow-x:auto}.top form.szukaj{display:none}}

/* ---- dwa wielkie banery ---- */
main{padding:22px 0 46px}
.ban2{display:grid;grid-template-columns:1fr 1fr;gap:26px;max-width:1360px;margin:0 auto;padding:0 20px}
.ban{border-radius:20px;padding:30px 30px 26px;color:#fff;position:relative;overflow:hidden}
.ban.g{background:linear-gradient(150deg,#0d9e46 0%,#0a7a34 60%,#08692c 100%)}
.ban.b{background:linear-gradient(150deg,#0f63d8 0%,#0b4cad 60%,#093c8c 100%)}
.ban h1{font-size:30px;font-weight:800;letter-spacing:.5px;text-align:center;line-height:1.15}
.ban .pod{font-size:15px;text-align:center;margin-top:6px;color:rgba(255,255,255,.92)}
.chipy{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin:20px 0 12px}
.chip{border-radius:10px;padding:11px 10px 10px;text-align:center}
.chip b{display:block;font-size:14px;letter-spacing:.4px}
.chip span{display:block;font-size:12px;margin-top:3px;opacity:.95}
.c-g1{background:#10b94a;color:#fff}.c-o{background:#f97316;color:#fff}.c-y{background:#fbbf24;color:#3a2b00}
.c-b1{background:#2f9df0;color:#fff}.c-p{background:#8b5cf6;color:#fff}
.box3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-bottom:16px}
.pud{background:rgba(6,20,50,.30);border-radius:10px;padding:12px 12px 10px;font-size:12px;line-height:1.45;display:flex;gap:8px;justify-content:space-between}
.pud .tt{display:block;font-size:13px;font-weight:800;letter-spacing:.3px;margin-bottom:6px}
.pud ul{margin-left:15px}
.pud .em{font-size:26px;flex:none;align-self:center}
.ilurow{display:flex;gap:14px;align-items:stretch;margin-bottom:14px}
.ilurow img{width:46%;border-radius:12px;object-fit:cover;display:block}
.info{background:#0d2149;border-radius:12px;padding:14px 16px;flex:1;display:flex;flex-direction:column;justify-content:center}
.info .lab{display:inline-block;background:#0d9e46;color:#fff;font-size:11px;font-weight:800;padding:3px 10px;border-radius:6px;letter-spacing:.5px}
.info h4{margin:8px 0 4px;font-size:15px;line-height:1.35}
.info .big{font-size:34px;font-weight:800;letter-spacing:1px;line-height:1.1}
.info .mala{font-size:12.5px;margin-top:4px;color:#c9d8f2}
.ban .lista-tla{font-size:13px;font-weight:800;text-align:center;margin:4px 0 8px;letter-spacing:.3px}
.lista{background:#fff;color:#2c3a47;border-radius:12px;padding:12px 16px;font-size:12.5px;line-height:1.8;text-align:center}
.lista b{color:#0a7a34}
.ban .cta{display:block;margin:16px auto 0;width:max-content;max-width:100%;background:#fbbf24;color:#3a2b00;font-weight:800;font-size:16px;padding:13px 34px;border-radius:999px;text-decoration:none;text-align:center}
.ban .cta:hover{background:#f5ad0a}
.ban.b .cta{background:#fff;color:#0b4cad}
.ban.b .cta:hover{background:#e8f1ff}
@media(max-width:1100px){.ban2{grid-template-columns:1fr}.ban h1{font-size:26px}}
@media(max-width:640px){.chipy,.box3{grid-template-columns:1fr}.ilurow{flex-direction:column}.ilurow img{width:100%}}

/* ---- podstrony w stylu landing ---- */
.podst{max-width:1360px;margin:0 auto;padding:0 20px}
.podst .hero{border-radius:20px;padding:34px 34px 30px;color:#fff;margin-bottom:22px;background:linear-gradient(150deg,#0f63d8,#093c8c)}
.podst .hero.g{background:linear-gradient(150deg,#0d9e46,#08692c)}
.podst .hero h1{font-size:28px}
.podst .hero p{margin-top:8px;color:rgba(255,255,255,.9);max-width:760px;line-height:1.55}
.podst .karty .karta{background:#fff;border-radius:14px;padding:18px;border:1px solid #e3eaf4}
.podst .karta .em{font-size:28px}
.podst .karta b{font-size:16px;margin:8px 0 4px;color:#0b2440}
.podst .karta span{font-size:13px;color:#4a6076;line-height:1.5}

/* ---- dlaczego warto ---- */
.dlacz{max-width:1360px;margin:26px auto 0;padding:0 20px}
.dlacz h2{font-size:26px;color:#0b2440}
.dlacz .pod2{font-size:14px;color:#4a6076;margin:4px 0 16px}
.dlacz5{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.dlk{background:#fff;border:1px solid #e3eaf4;border-radius:14px;padding:18px 16px;box-shadow:0 1px 4px rgba(10,30,60,.04)}
.dlk .em{font-size:30px}
.dlk b{display:block;font-size:14.5px;color:#0b2440;margin:10px 0 5px;line-height:1.3}
.dlk span{font-size:12.5px;color:#4a6076;line-height:1.5}
@media(max-width:1100px){.dlacz5{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.dlacz5{grid-template-columns:1fr}}

/* ---------- sekcja poradnika na glownej ---------- */
.seolinki{max-width:1160px;margin:34px auto;padding:0 20px}
.seolinki h2{font-size:26px;color:#0b2440;margin:0 0 4px}
.seolinki p{color:#4a6076;margin:0 0 16px;font-size:15px}
.seolista{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.seolista a{display:block;background:#fff;border:1px solid #e3eaf4;border-radius:9px;padding:10px 13px;font-size:13.5px;font-weight:600;color:#1e3a5c;text-decoration:none;line-height:1.35}
.seolista a:hover{border-color:#16a34a;color:#16a34a}
@media(max-width:900px){.seolista{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.seolista{grid-template-columns:1fr}}

/* ---------- podstrony poradnikowe ---------- */
.seocrumb{max-width:860px;margin:18px auto 0;padding:0 20px;font-size:13px;color:#7a8ba0}
.seocrumb a{color:#2563eb;text-decoration:none}
.seoart{max-width:860px;margin:10px auto 30px;padding:30px 34px}
.seosvg{float:right;width:300px;max-width:42%;margin:0 0 16px 22px}
.seosvg svg{width:100%;height:auto;display:block}
.seoart h1{font-size:27px;color:#0b2440;line-height:1.25;margin:0 0 14px}
.seolead{font-size:16.5px;line-height:1.65;color:#233a55}
.seoart p{font-size:15px;line-height:1.7;color:#4a6076}
.seocta{margin:22px 0 6px;display:flex;gap:10px;flex-wrap:wrap}
.seonav{display:flex;justify-content:space-between;gap:14px;border-top:1px solid #e3eaf4;margin-top:24px;padding-top:16px;font-size:14px}
.seonav a{color:#2563eb;text-decoration:none;font-weight:600;max-width:48%}
.seonav a.r{text-align:right}
.seorel{margin-top:16px;padding:14px 16px;background:#f2f7fd;border-radius:10px;font-size:13.5px}
.seorel b{color:#0b2440;display:block;margin-bottom:6px}
.seorel a{display:inline-block;margin:0 12px 5px 0;color:#2563eb;text-decoration:none}
.seorel a:hover{text-decoration:underline}
@media(max-width:640px){.seosvg{float:none;width:100%;max-width:340px;margin:0 auto 16px}.seoart{padding:20px 18px}.seonav{flex-direction:column}}
.stop{background:#0b2440}