*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}:root{--navy:#1B3A7A;--navy-dark:#0F2350;--navy-darker:#081634;--accent:#F5A623;--accent-dark:#D88A0A;--accent-on-light:#A35F00;--gold-on-light:var(--accent-on-light);--cta:var(--accent);--cta-dark:var(--accent-dark);--gold:var(--accent);--gold-dark:var(--accent-dark);--white:#FFFFFF;--gray-50:#F5F6F8;--gray-100:#E5E8EE;--gray-300:#B8BFCC;--gray-600:#5A6478;--text-dark:#0F2350;--error:#D32F2F;--success:#2E7D32;--maxw:1440px;--pad:clamp(20px, 4vw, 56px);--navy-dark-rgb:15, 35, 80;--navy-darker-rgb:8, 22, 52;--navy-rgb:27, 58, 122;--accent-rgb:245, 166, 35;--cta-rgb:var(--accent-rgb);--gold-rgb:var(--accent-rgb);--text-on-light:var(--text-dark);--text-on-anchor:#FFFFFF;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75);--text-on-accent:var(--navy-darker)}:root[data-palette="grafit-industrial"]{--navy:#4A5360;--navy-dark:#2C3038;--navy-darker:#1A1D22;--text-dark:#2C3038;--navy-dark-rgb:44, 48, 56;--navy-darker-rgb:26, 29, 34;--navy-rgb:74, 83, 96}:root[data-palette="grafit-sredni"]{--navy:#5A6270;--navy-dark:#3C424C;--navy-darker:#2A2E36;--text-dark:#3C424C;--navy-dark-rgb:60, 66, 76;--navy-darker-rgb:42, 46, 54;--navy-rgb:90, 98, 112}:root[data-palette="grafit-stalowy"]{--navy:#6B7280;--navy-dark:#1F2329;--navy-darker:#11141A;--text-dark:#1F2329;--navy-dark-rgb:31, 35, 41;--navy-darker-rgb:17, 20, 26;--navy-rgb:107, 114, 128}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:'Inter',system-ui,sans-serif;font-weight:400;line-height:1.6;color:var(--text-dark);background:var(--white);overflow-x:hidden}html{overflow-x:hidden;max-width:100%}img,svg,video,iframe,table{max-width:100%}h1,h2,h3,h4,h5,.display{font-family:'Barlow','Inter',sans-serif;font-weight:800;line-height:1.1;letter-spacing:-.01em}img{max-width:100%;display:block;height:auto}a{color:inherit;text-decoration:none}button{font-family:inherit;cursor:pointer;border:0;background:none}input,select,textarea{font-family:inherit;font-size:16px}.skip-link{position:absolute;top:-100px;left:0;z-index:9999;background:var(--gold);color:var(--text-on-light);padding:14px 22px;font-family:'Barlow',sans-serif;font-weight:700;font-size:14px;letter-spacing:.05em;text-transform:uppercase;border:0;text-decoration:none;transition:top 0.2s ease}.skip-link:focus,.skip-link:focus-visible{top:0;outline:3px solid var(--navy-darker);outline-offset:-3px}.container{max-width:var(--maxw);margin:0 auto;padding-left:var(--pad);padding-right:var(--pad)}:focus{outline:none}*:focus-visible{outline:3px solid var(--gold);outline-offset:2px}.btn:focus-visible{outline:3px solid var(--gold);outline-offset:3px}.matcher-card:focus-visible,.service-card:focus-visible,.tile:focus-visible,.blog-card:focus-visible{outline:3px solid var(--gold);outline-offset:-3px;box-shadow:0 0 0 2px var(--navy-darker),0 16px 40px rgba(var(--navy-dark-rgb),.12)}.faq-trigger:focus-visible,.service-item-trigger:focus-visible,.skd-faq-item summary:focus-visible{outline:3px solid var(--gold);outline-offset:-3px}.form-input:focus-visible,.form-select:focus-visible,.form-textarea:focus-visible{outline:3px solid var(--gold);outline-offset:0}.skd-bank-pill:focus-visible,.btn-mini:focus-visible{outline:3px solid var(--gold);outline-offset:2px}@media (max-width:768px){.nav-links a:focus-visible{outline:3px solid var(--gold);outline-offset:-3px;background:rgba(var(--gold-rgb),.08)}}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:16px 32px;font-family:'Barlow',sans-serif;font-weight:700;font-size:15px;letter-spacing:.05em;text-transform:uppercase;border-radius:0;border:2px solid #fff0;transition:transform 0.2s ease,background 0.2s ease,color 0.2s ease,border-color 0.2s ease;cursor:pointer;white-space:nowrap}.btn-primary{background:var(--cta);color:var(--text-on-light);border-color:var(--cta)}.btn-primary:hover{background:var(--cta-dark);border-color:var(--cta-dark);transform:translateY(-2px)}.btn-outline{background:#fff0;color:var(--white);border-color:var(--white)}.btn-outline:hover{background:var(--white);color:var(--text-on-light);transform:translateY(-2px)}.btn-dark{background:var(--navy);color:var(--white);border-color:var(--navy)}.btn-dark:hover{background:var(--navy-dark);border-color:var(--text-on-light);transform:translateY(-2px)}.btn svg{width:18px;height:18px;transition:transform 0.3s cubic-bezier(.22,1,.36,1)}.btn:hover svg{transform:translateX(4px)}@media (max-width:768px),(prefers-reduced-motion:reduce){.btn svg,.btn:hover svg{transform:none!important;transition:none!important}}.btn.is-loading,.btn[disabled]{opacity:.7;cursor:wait;pointer-events:none}.btn.is-loading::after{content:'';display:inline-block;width:16px;height:16px;border:2px solid currentColor;border-right-color:#fff0;border-radius:50%;margin-left:4px;animation:btn-spin 0.7s linear infinite;vertical-align:-2px}.btn.is-loading svg{display:none}@keyframes btn-spin{to{transform:rotate(360deg)}}@media (prefers-reduced-motion:reduce){.btn.is-loading::after{animation:none}}.nav{position:fixed;top:0;left:0;right:0;background:var(--navy-dark);z-index:1000;border-bottom:1px solid rgb(255 255 255 / .08);transition:padding 0.3s ease,box-shadow 0.3s ease}.nav.scrolled{box-shadow:0 4px 24px rgb(0 0 0 / .3)}.nav-inner{max-width:var(--maxw);margin:0 auto;padding:16px var(--pad);display:flex;align-items:center;justify-content:space-between;transition:padding 0.3s ease}.nav.scrolled .nav-inner{padding-top:10px;padding-bottom:10px}.nav-logo{display:flex;align-items:center;gap:12px}.nav-logo img{height:37px;width:auto;transition:height 0.3s ease}.nav.scrolled .nav-logo img{height:31px}.nav-logo-text{display:none;font-family:'Barlow',sans-serif;font-weight:800;color:var(--white);font-size:22px;letter-spacing:.04em}.nav-links{display:flex;align-items:center;gap:36px;list-style:none}.nav-links a{color:var(--white);font-size:14px;font-weight:500;letter-spacing:.04em;text-transform:uppercase;position:relative;padding:6px 0;transition:color 0.2s ease}.nav-links a::after{content:'';position:absolute;left:0;bottom:0;width:0;height:2px;background:var(--gold);transition:width 0.25s ease}.nav-links a:hover{color:var(--gold)}.nav-links a:hover::after{width:100%}.nav-cta{padding:10px 22px!important;font-size:13px!important}.nav-icon-top{display:none}.nav-toggle{display:none;width:40px;height:40px;flex-direction:column;gap:5px;align-items:center;justify-content:center}.nav-toggle span{display:block;width:24px;height:2px;background:var(--white);transition:transform 0.25s ease,opacity 0.25s ease}.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-toggle.open span:nth-child(2){opacity:0}.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.nav-links li.has-dropdown{position:relative}.nav-links li.has-dropdown>a{display:inline-flex;align-items:center;gap:6px}.nav-links li.has-dropdown>a .caret{width:9px;height:9px;transition:transform 0.25s ease}.nav-links li.has-dropdown:hover>a .caret{transform:rotate(180deg)}.dropdown{position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(8px);min-width:250px;background:var(--navy-darker);border:1px solid rgb(255 255 255 / .1);border-top:3px solid var(--gold);padding:8px 0;list-style:none;opacity:0;visibility:hidden;transition:opacity 0.2s ease,transform 0.2s ease,visibility 0.2s;box-shadow:0 16px 40px rgb(0 0 0 / .4);z-index:1001}.nav-links li.has-dropdown:hover .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}.nav-links li.has-dropdown::after{content:'';position:absolute;top:100%;left:0;right:0;height:14px}.dropdown li{width:100%}.dropdown a{display:block!important;padding:11px 22px!important;font-size:13px!important;text-transform:none!important;letter-spacing:0.02em!important;white-space:nowrap;border-left:3px solid #fff0}.dropdown a::after{display:none!important}.dropdown a:hover{background:rgba(var(--gold-rgb),.1);border-left-color:var(--gold);color:var(--gold)}.dropdown a.soon{color:var(--gray-300);cursor:default}.dropdown a.soon:hover{background:#fff0;border-left-color:#fff0;color:var(--gray-300)}.dropdown a .tag-soon{font-size:10px;letter-spacing:.08em;text-transform:uppercase;color:var(--gray-600);margin-left:6px}.hero{position:relative;min-height:100vh;min-height:100svh;padding:140px 0 0;background:var(--navy-darker);color:var(--white);overflow:hidden;display:flex;flex-direction:column;justify-content:center}.hero-bg-image{position:absolute;inset:0;z-index:1;overflow:hidden}.hero-bg-image img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center right;-webkit-mask-image:linear-gradient(90deg,transparent 0%,transparent 28%,rgb(0 0 0) 50%,rgb(0 0 0) 100%);mask-image:linear-gradient(90deg,transparent 0%,transparent 28%,rgb(0 0 0) 50%,rgb(0 0 0) 100%);will-change:transform;transition:transform 0.05s linear}.hero-overlay{position:absolute;inset:0;z-index:2;pointer-events:none;background:linear-gradient(180deg,transparent 0%,transparent 70%,rgba(var(--navy-darker-rgb),.45) 100%)}.hero-grid-overlay{position:absolute;inset:0;z-index:0;background-image:linear-gradient(rgb(255 255 255 / .025) 1px,transparent 1px),linear-gradient(90deg,rgb(255 255 255 / .025) 1px,transparent 1px);background-size:60px 60px;pointer-events:none;opacity:.7}html[data-depth="on"] .hero::before,body.xaltum-depth-on .hero::before{content:'';position:absolute;inset:0;z-index:0;pointer-events:none;background:radial-gradient(ellipse 90% 70% at 75% 15%,rgb(255 255 255 / .14) 0%,transparent 55%),radial-gradient(ellipse 80% 70% at 0% 50%,rgba(var(--navy-rgb),.6) 0%,transparent 60%),radial-gradient(ellipse 70% 60% at 10% 100%,rgba(var(--navy-darker-rgb),.7) 0%,transparent 65%)}html[data-depth="on"] .hero::after,body.xaltum-depth-on .hero::after{content:'';position:absolute;left:0;right:0;bottom:0;height:180px;z-index:2;pointer-events:none;background:linear-gradient(180deg,transparent 0%,rgba(var(--navy-darker-rgb),.45) 100%)}html[data-depth="on"] .footer::before,body.xaltum-depth-on .footer::before{content:'';position:absolute;inset:0;pointer-events:none;background:radial-gradient(ellipse 80% 60% at 15% 0%,rgba(var(--navy-rgb),.5) 0%,transparent 65%),radial-gradient(ellipse 70% 50% at 90% 100%,rgba(var(--navy-darker-rgb),.6) 0%,transparent 70%);z-index:0}html[data-depth="on"] .footer::after,body.xaltum-depth-on .footer::after{content:'';position:absolute;left:0;right:0;top:0;height:2px;background:linear-gradient(90deg,transparent 0%,rgba(var(--gold-rgb),.5) 50%,transparent 100%);pointer-events:none;z-index:1}html[data-depth="on"] .footer>*,body.xaltum-depth-on .footer>*{position:relative;z-index:2}html[data-depth="on"] .cta-banner::after,body.xaltum-depth-on .cta-banner::after{content:'';position:absolute;inset:0;pointer-events:none;background:radial-gradient(ellipse 100% 60% at 30% 0%,rgb(255 255 255 / .3) 0%,transparent 65%),radial-gradient(ellipse 80% 50% at 70% 100%,rgb(0 0 0 / .18) 0%,transparent 65%);z-index:0}html[data-depth="on"] .cta-banner-inner,body.xaltum-depth-on .cta-banner-inner{position:relative;z-index:2}.hero-content{position:relative;z-index:3;max-width:var(--maxw);margin:0 auto;width:100%;flex:1;display:flex;align-items:center;padding:0 var(--pad) 120px}.hero-text{max-width:580px;width:50%;min-width:0}.hero-eyebrow{display:inline-flex;align-items:center;gap:12px;padding:8px 16px;background:rgba(var(--gold-rgb),.12);border-left:3px solid var(--gold);color:var(--gold);font-size:12px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;margin-bottom:28px}.hero h1{font-size:clamp(40px, 6.5vw, 76px);font-weight:900;letter-spacing:-.02em;max-width:900px;margin-bottom:28px}.hero h1 .accent,.hero .hero-slide-h1 .accent{color:var(--gold)}.hero-sub{font-size:clamp(16px, 1.6vw, 20px);max-width:640px;color:rgb(255 255 255 / .82);margin-bottom:44px;line-height:1.6}.hero-rotator{display:grid;grid-template-areas:"slide";position:relative;margin-bottom:8px}.hero-slide{grid-area:slide;opacity:0;visibility:hidden;transition:opacity 0.3s ease 0s,visibility 0s linear 0.3s;pointer-events:none}.hero-slide.is-active{opacity:1;visibility:visible;transition:opacity 0.4s ease 0.2s,visibility 0s linear 0s;pointer-events:auto}.hero-slide h1,.hero-slide .hero-slide-h1{font-family:'Barlow','Inter',sans-serif;font-size:clamp(40px, 6.5vw, 76px);font-weight:900;letter-spacing:-.02em;line-height:1.1;max-width:900px;margin:0 0 28px}.hero-slide .hero-sub{margin-bottom:0}.hero-rotator-dots{position:absolute;bottom:-32px;left:0;display:flex;gap:10px;z-index:2}.hero-dot{width:28px;height:4px;border:0;background:rgb(255 255 255 / .2);cursor:pointer;padding:0;border-radius:2px;transition:background 0.3s ease,width 0.3s ease}.hero-dot:hover{background:rgb(255 255 255 / .4)}.hero-dot.is-active{background:var(--gold);width:44px}.hero-dot:focus-visible{outline:2px solid var(--gold);outline-offset:4px}.hero-rotator+.hero-cta{margin-top:44px}.hero-single{margin-bottom:8px}.hero-single h1{font-size:clamp(40px, 6.5vw, 76px);font-weight:900;letter-spacing:-.02em;max-width:900px;margin:0 0 28px}.hero-single .hero-sub{margin-bottom:0}.hero-single+.hero-cta{margin-top:28px}@media (prefers-reduced-motion:reduce){.hero-slide{transition:none}}@media (max-width:768px){.hero-rotator-dots{bottom:-24px}.hero-dot{width:22px;height:3px}.hero-dot.is-active{width:36px}.hero-rotator+.hero-cta{margin-top:36px}}.hero-cta{display:flex;flex-wrap:wrap;gap:16px}.hero-trust-bar{position:absolute;bottom:0;left:0;right:0;z-index:3;background:linear-gradient(180deg,rgba(var(--navy-darker-rgb),0) 0%,rgba(var(--navy-darker-rgb),.85) 30%,rgba(var(--navy-darker-rgb),.95) 100%);border-top:1px solid rgba(var(--gold-rgb),.2);padding:24px var(--pad);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}.hero-trust-inner{max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.hero-trust-item{text-align:center}.hero-trust-item .num{font-family:'Barlow',sans-serif;font-size:clamp(28px, 3.2vw, 40px);font-weight:800;color:var(--gold);line-height:1;letter-spacing:-.01em}.hero-trust-item .lbl{font-size:13px;color:rgb(255 255 255 / .75);margin-top:6px;letter-spacing:.03em;line-height:1.4}.section{padding:100px 0;position:relative}.hero+.section{padding-top:120px}.section-dark{background:var(--navy-dark);color:var(--white)}.section-light{background:var(--white);color:var(--text-dark)}.section-gray{background:var(--gray-50);color:var(--text-dark)}.section-header{margin-bottom:64px;max-width:760px}.section-header.center{margin-left:auto;margin-right:auto;text-align:center}.eyebrow{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--accent-on-light);padding-bottom:14px;margin-bottom:18px;position:relative}.eyebrow::after{content:'';position:absolute;left:0;bottom:0;width:40px;height:3px;background:var(--gold)}.section-dark .eyebrow,.hero .eyebrow,.page-hero .eyebrow{color:var(--gold)}.section-header.center .eyebrow::after{left:50%;transform:translateX(-50%)}.section-header h2{font-size:clamp(32px, 4.5vw, 52px);margin-bottom:18px}.section-header p{font-size:18px;color:var(--gray-600);max-width:640px;line-height:1.65}.section-dark .section-header p{color:rgb(255 255 255 / .75)}.section-header.center p{margin-left:auto;margin-right:auto}.section-header.section-header-split{display:grid;grid-template-columns:45% 50%;gap:5%;max-width:var(--maxw);margin-left:0;margin-right:0;text-align:left;align-items:end}.section-header-split .header-left{min-width:0}.section-header-split .header-right{min-width:0;padding-bottom:10px}.section-header-split h2{margin-bottom:0}.section-header-split p{margin:0;max-width:none;font-size:17px;line-height:1.65}@media (max-width:1024px){.section-header.section-header-split{grid-template-columns:1fr;gap:20px}.section-header-split .header-right{padding-bottom:0}.section-header-split p{max-width:640px}}.section-header-split .eyebrow::after{left:0;transform:none}.services-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.service-card{background:var(--white);border:1px solid var(--gray-100);position:relative;overflow:hidden;display:flex;flex-direction:column;transition:transform 0.3s ease,box-shadow 0.3s ease}.service-card::before{content:'';position:absolute;top:0;left:0;width:0;height:4px;background:var(--gold);z-index:4;transition:width 0.4s ease}.service-card:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(var(--navy-dark-rgb),.12)}.service-card:hover::before{width:100%}.service-media{position:relative;aspect-ratio:16 / 9;background:var(--navy-darker);overflow:hidden}.service-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform 0.6s cubic-bezier(.16,1,.3,1)}.service-card:hover .service-media img{transform:scale(1.05)}.service-media::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,transparent 60%,rgba(var(--navy-darker-rgb),.25) 100%);pointer-events:none}.service-media-fallback{background:radial-gradient(ellipse at center,var(--navy) 0%,var(--navy-darker) 100%)}.service-media-fallback::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(var(--gold-rgb),.04) 1px,transparent 1px),linear-gradient(90deg,rgba(var(--gold-rgb),.04) 1px,transparent 1px);background-size:40px 40px}.service-media-fallback::after{background:linear-gradient(180deg,transparent 60%,rgba(var(--navy-darker-rgb),.35) 100%)}.service-icon{position:absolute;top:20px;left:20px;z-index:3;width:64px;height:64px;background:var(--navy-dark);color:var(--gold);display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:0 4px 16px rgba(var(--navy-darker-rgb),.35);transition:background 0.3s ease,color 0.3s ease}.service-card:hover .service-icon{background:var(--gold);color:var(--text-on-light)}.service-icon svg{width:32px;height:32px}.service-body{padding:28px 32px 32px;display:flex;flex-direction:column;flex:1}.service-card .service-tag{font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-on-light);margin-bottom:8px}.service-card h3{font-size:24px;margin-bottom:14px;color:var(--text-on-light);line-height:1.3}.service-desc{color:var(--gray-600);font-size:16px;margin-bottom:24px;line-height:1.65}.service-list{list-style:none;border-top:1px solid var(--gray-100)}.service-item{border-bottom:1px solid var(--gray-100)}.service-item-trigger{width:100%;padding:18px 0;display:flex;align-items:center;justify-content:space-between;text-align:left;font-weight:600;color:var(--text-on-light);font-size:15px;transition:color 0.2s}.service-item-trigger:hover{color:var(--gold)}.service-item-trigger .chev{width:24px;height:24px;border:1.5px solid var(--gray-300);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-left:16px;transition:border-color 0.2s,background 0.2s;position:relative}.service-item-trigger .chev::before,.service-item-trigger .chev::after{content:'';position:absolute;background:var(--navy-dark);transition:transform 0.25s ease,background 0.2s}.service-item-trigger .chev::before{width:10px;height:1.5px}.service-item-trigger .chev::after{width:1.5px;height:10px}.service-item.open .service-item-trigger .chev::after{transform:scaleY(0)}.service-item.open .service-item-trigger .chev{border-color:var(--accent-on-light);background:var(--accent-on-light)}.service-item.open .service-item-trigger .chev::before{background:var(--white)}.service-item.open .service-item-trigger{color:var(--accent-on-light)}.service-sublist{max-height:0;overflow:hidden;transition:max-height 0.4s ease}.service-sublist-inner{padding:4px 0 20px}.service-sub{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:12px 16px;margin-bottom:6px;background:var(--gray-50);border-left:3px solid #fff0;transition:background 0.2s,border-color 0.2s;cursor:pointer}.service-sub:hover{background:#ECEEF3;border-left-color:var(--gold)}.service-sub-name{font-size:14px;font-weight:500;color:var(--text-on-light)}.service-sub-actions{display:flex;gap:8px;align-items:center;flex-shrink:0}.btn-mini{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:6px 12px;border:1px solid var(--navy-dark);color:var(--text-on-light);background:var(--white);transition:background 0.2s,color 0.2s}.btn-mini:hover{background:var(--navy-dark);color:var(--white)}.btn-mini.add{border-color:var(--cta);background:var(--cta);color:var(--text-on-light)}.btn-mini.add:hover{background:var(--cta-dark);border-color:var(--cta-dark)}.btn-mini.added{background:var(--success);border-color:var(--success);color:var(--white);cursor:default}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:0;position:relative}.step{padding:48px 36px 40px;background:var(--white);border:1px solid var(--gray-100);position:relative}.step+.step{border-left:0}.step:nth-child(1){z-index:3}.step:nth-child(2){z-index:2}.step:nth-child(3){z-index:1}.step-num{font-family:'Barlow',sans-serif;font-size:64px;font-weight:900;color:var(--accent-on-light);line-height:.9;margin-bottom:28px;letter-spacing:-.02em;display:block}.step-icon{display:none}.step h3{font-size:22px;margin-bottom:14px;color:var(--text-on-light);line-height:1.3}.step p{color:var(--gray-600);font-size:15px;line-height:1.65}.step-arrow{position:absolute;right:-14px;top:50%;transform:translateY(-50%);z-index:2;width:28px;height:28px;background:var(--gold);color:var(--text-on-light);display:flex;align-items:center;justify-content:center}.step:last-child .step-arrow{display:none}.step-arrow svg{width:14px;height:14px}.about-grid{display:grid;grid-template-columns:1.1fr 0.9fr;gap:64px;align-items:center}.about-text h2{font-size:clamp(32px, 4vw, 48px);margin-bottom:24px;color:var(--white)}.about-text p{color:rgb(255 255 255 / .8);font-size:16px;margin-bottom:18px}.about-text .lead{font-size:19px;color:var(--white);font-weight:500}.about-stats{display:grid;grid-template-columns:repeat(2,1fr);gap:2px;background:rgb(255 255 255 / .1);padding:2px}.stat{background:var(--navy-dark);padding:36px 28px;position:relative}.stat::before{content:'';position:absolute;top:0;left:0;width:32px;height:3px;background:var(--gold)}.stat-num{font-family:'Barlow',sans-serif;font-size:clamp(36px, 4vw, 48px);font-weight:900;color:var(--gold);line-height:1;margin-bottom:10px}.stat-lbl{font-size:13px;color:rgb(255 255 255 / .7);text-transform:uppercase;letter-spacing:.08em;font-weight:500}.testimonials{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.testimonial{background:var(--white);padding:36px 32px;border-top:4px solid var(--gold);border-left:1px solid var(--gray-100);border-right:1px solid var(--gray-100);border-bottom:1px solid var(--gray-100);position:relative;display:flex;flex-direction:column}.testimonial-quote{font-family:'Barlow',sans-serif;font-size:72px;line-height:.8;color:var(--accent-on-light);margin-bottom:8px;font-weight:900}.testimonial-text{font-size:15px;color:var(--gray-600);line-height:1.7;margin-bottom:24px;flex:1}.testimonial-meta{display:flex;align-items:center;gap:14px;padding-top:20px;border-top:1px solid var(--gray-100)}.testimonial-avatar{width:44px;height:44px;background:var(--navy-dark);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Barlow',sans-serif;font-weight:800}.testimonial-author{font-weight:700;color:var(--text-on-light);font-size:15px}.testimonial-case{font-size:12px;color:var(--gray-600);margin-top:2px}.cta-banner{background:var(--cta);padding:64px 0;position:relative;overflow:hidden}.cta-banner::before{content:'';position:absolute;top:0;right:0;bottom:0;width:40%;background:var(--cta-dark);clip-path:polygon(30% 0,100% 0,100% 100%,0 100%);opacity:.4}.cta-banner-inner{position:relative;z-index:1;display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap}.cta-banner h2{font-size:clamp(28px, 3.6vw, 40px);color:var(--text-on-light);max-width:720px}.cta-banner h2 span{display:block;font-weight:500;font-size:.65em;color:var(--text-on-light);margin-top:8px}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:0}.contact-map{margin-top:0;border:1px solid var(--gray-100);border-top:0;overflow:hidden;line-height:0}.contact-map iframe{filter:grayscale(20%);transition:filter 0.3s ease}.contact-map:hover iframe,.contact-map:focus-within iframe{filter:none}.contact-form-wrap{background:var(--white);padding:56px 48px;border:1px solid var(--gray-100)}.contact-info{background:var(--navy-dark);color:var(--white);padding:56px 48px;position:relative;overflow:hidden}.contact-info::before{content:'';position:absolute;top:-20%;right:-30%;width:80%;height:80%;background:var(--navy);clip-path:polygon(50% 0,100% 0,100% 100%);opacity:.5}.contact-info-inner{position:relative;z-index:1}.contact-info h3{font-size:26px;margin-bottom:32px;color:var(--white)}.contact-info p.lead{color:rgb(255 255 255 / .8);margin-bottom:36px;font-size:15px}.info-item{display:flex;gap:18px;padding:20px 0;border-bottom:1px solid rgb(255 255 255 / .1)}.info-item:last-child{border-bottom:0}.info-icon{width:44px;height:44px;flex-shrink:0;background:rgba(var(--gold-rgb),.15);color:var(--gold);display:flex;align-items:center;justify-content:center}.info-icon svg{width:22px;height:22px}.info-content{flex:1}.info-label{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:rgb(255 255 255 / .6);margin-bottom:4px}.info-value{font-size:18px;font-weight:600;color:var(--white)}.info-value a:hover{color:var(--gold)}.case-mini{margin-top:32px;padding-top:28px;border-top:1px solid rgb(255 255 255 / .1);position:relative}.form-row{margin-bottom:22px}.form-row.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:0}.form-row.two-col .form-row{margin-bottom:22px}.form-label{display:block;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px;color:var(--text-on-light)}.form-label .req{color:var(--error)}.form-input,.form-select,.form-textarea{width:100%;padding:14px 16px;background:var(--gray-50);border:1px solid var(--gray-100);border-radius:0;color:var(--text-on-light);font-size:15px;transition:border-color 0.2s,background 0.2s,box-shadow 0.2s}.form-input:focus,.form-select:focus,.form-textarea:focus{outline:none;background:var(--white);border-color:var(--navy);box-shadow:0 0 0 3px rgba(var(--navy-rgb),.1)}.form-textarea{min-height:120px;resize:vertical;font-family:inherit}.form-input.error,.form-select.error,.form-textarea.error{border-color:var(--error);background:#FDF3F3}.form-error{display:none;margin-top:6px;font-size:12px;font-weight:500;color:var(--error)}.form-input.error+.form-error,.form-select.error+.form-error,.form-textarea.error+.form-error{display:block}.form-cart{background:var(--gray-50);border-left:4px solid var(--gold);padding:18px 20px;margin-bottom:22px}.form-cart-head{display:flex;justify-content:space-between;align-items:center;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--text-on-light);margin-bottom:10px}.form-cart-count{background:var(--gold);color:var(--text-on-light);padding:2px 10px;font-size:12px;font-weight:700}.form-cart-list{font-size:14px;color:var(--gray-600)}.form-cart-list .cart-empty{font-style:italic}.form-cart-list ul{list-style:none}.form-cart-list li{padding:6px 0;display:flex;justify-content:space-between;align-items:center;border-top:1px dashed var(--gray-100)}.form-cart-list li:first-child{border-top:0}.cart-remove{color:var(--error);font-size:11px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;padding:2px 6px}.cart-remove:hover{background:var(--error);color:var(--white)}.form-success{display:none;padding:20px;background:#E8F5E9;border-left:4px solid var(--success);color:var(--success);font-weight:600;margin-bottom:22px}.form-success.show{display:block}.float-cart{position:fixed;bottom:24px;right:24px;background:var(--gold);color:var(--text-on-light);padding:12px 20px 12px 16px;z-index:900;display:none;align-items:center;gap:10px;box-shadow:0 8px 24px rgba(var(--navy-dark-rgb),.25);cursor:pointer;border:0;font-family:'Barlow',sans-serif;font-weight:700;border-radius:999px;opacity:0;transform:translateY(20px) scale(.95);transition:opacity 0.3s ease,transform 0.3s cubic-bezier(.16,1,.3,1)}.float-cart.visible{display:inline-flex;opacity:1;transform:translateY(0) scale(1)}.float-cart svg{width:20px;height:20px;flex-shrink:0}.float-cart-text{display:flex;flex-direction:column;align-items:flex-start;line-height:1.15}.float-cart-text strong{font-size:13px;letter-spacing:.04em;text-transform:uppercase;white-space:nowrap}.float-cart-text small{font-size:10px;opacity:.7;font-weight:600;white-space:nowrap}.modal-overlay{position:fixed;inset:0;background:rgba(var(--navy-darker-rgb),.85);z-index:2000;display:none;align-items:center;justify-content:center;padding:20px;opacity:0;transition:opacity 0.25s ease}.modal-overlay.open{display:flex;opacity:1}.modal{background:var(--white);max-width:640px;width:100%;max-height:90vh;overflow-y:auto;position:relative;transform:translateY(20px);transition:transform 0.3s ease}.modal-overlay.open .modal{transform:translateY(0)}.modal-header{padding:32px 36px 24px;border-bottom:1px solid var(--gray-100);position:relative}.modal-cat{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-on-light);margin-bottom:10px}.modal-header h3{font-size:28px;color:var(--text-on-light);padding-right:40px}.modal-close{position:absolute;top:28px;right:28px;width:32px;height:32px;background:var(--gray-50);color:var(--text-on-light);display:flex;align-items:center;justify-content:center;transition:background 0.2s,color 0.2s}.modal-close:hover{background:var(--navy-dark);color:var(--white)}.modal-body{padding:28px 36px 36px}.modal-body p{font-size:15px;color:var(--gray-600);line-height:1.7;margin-bottom:16px}.modal-features{margin:24px 0;display:grid;gap:10px}.modal-feature{display:flex;align-items:flex-start;gap:12px;padding:12px 14px;background:var(--gray-50);border-left:3px solid var(--gold);font-size:14px;color:var(--text-on-light)}.modal-feature svg{width:18px;height:18px;color:var(--accent-on-light);flex-shrink:0;margin-top:1px}.modal-footer{padding:20px 36px;background:var(--gray-50);border-top:1px solid var(--gray-100);display:flex;gap:12px;justify-content:flex-end}.footer{background:var(--navy-darker);color:rgb(255 255 255 / .7);padding:72px 0 0;position:relative;overflow:hidden}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:48px;margin-bottom:56px}.footer-brand img{height:48px;width:auto;margin-bottom:20px}.footer-brand p{font-size:14px;line-height:1.7}.footer h4{font-size:14px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--white);margin-bottom:20px;padding-bottom:12px;border-bottom:2px solid var(--gold);display:inline-block}.footer ul{list-style:none}.footer ul li{margin-bottom:10px;font-size:14px}.footer ul a:hover{color:var(--gold)}.footer .contact-line{display:flex;align-items:center;gap:8px;margin-bottom:10px;font-size:14px}.footer .contact-line svg{width:16px;height:16px;color:var(--gold);flex-shrink:0}.footer-bottom{padding:24px 0;border-top:1px solid rgb(255 255 255 / .08);display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:13px}.reveal{opacity:1;transform:none;transition:opacity 1.8s ease,transform 1.8s cubic-bezier(.22,1,.36,1)}.js-ready .reveal{opacity:0;transform:translateY(60px)}.js-ready .reveal.visible{opacity:1;transform:translateY(0)}.reveal-delay-1{transition-delay:0.18s}.reveal-delay-2{transition-delay:0.36s}.reveal-delay-3{transition-delay:0.54s}.js-ready .reveal-right{opacity:0;transform:translateX(60px)}.js-ready .reveal-right.visible{opacity:1;transform:translateX(0)}.js-ready .reveal-left{opacity:0;transform:translateX(-60px)}.js-ready .reveal-left.visible{opacity:1;transform:translateX(0)}.js-ready .reveal-scale{opacity:0;transform:scale(.88)}.js-ready .reveal-scale.visible{opacity:1;transform:scale(1)}.hero .reveal,.js-ready .hero .reveal{opacity:1;transform:none}@media (prefers-reduced-motion:reduce){.js-ready .reveal,.js-ready .reveal-right,.js-ready .reveal-left,.js-ready .reveal-scale{transform:none!important;transition:opacity 0.4s ease!important}.service-card:hover,.matcher-card:hover,.tile.is-active:hover,.blog-card:hover,.skd-error-card:hover,.honest-card:hover,.step-card:hover,.point-card:hover,.dokumenty-promo-generator:hover,.skd-bank-pill:hover{transform:none!important}.matcher-card:hover .matcher-media img,.service-card:hover .service-media img{transform:none!important}.btn:hover svg,.matcher-card:hover .tile-foot svg,.blog-card:hover .blog-card-more svg{transform:none!important}}@media (max-width:768px){.js-ready .reveal,.js-ready .reveal-right,.js-ready .reveal-left,.js-ready .reveal-scale{transform:none!important;transition:opacity 0.5s ease!important}.js-ready .matcher-card,.js-ready .service-card,.js-ready .verdict-card,.js-ready .afterwin-item,.js-ready .testimonial,.js-ready .difference-item,.js-ready .honest-card,.js-ready .manifest-item,.js-ready .step{transition-delay:0s!important}}@media (max-width:1024px){.hero-bg-image img{-webkit-mask-image:linear-gradient(90deg,transparent 0%,transparent 40%,rgb(0 0 0) 58%,rgb(0 0 0) 100%);mask-image:linear-gradient(90deg,transparent 0%,transparent 40%,rgb(0 0 0) 58%,rgb(0 0 0) 100%)}.hero-text{width:55%}}@media (max-width:968px){.about-grid{grid-template-columns:1fr;gap:40px}.footer-grid{grid-template-columns:1fr 1fr;gap:40px}}@media (max-width:768px){.section{padding:72px 0}.hero+.section{padding-top:44px}.nav-toggle{display:flex}.nav-links{position:fixed;top:76px;left:0;right:0;background:var(--navy-darker);flex-direction:column;gap:0;padding:0;max-height:0;overflow-y:auto;overflow-x:hidden;transition:max-height 0.35s ease;border-top:1px solid rgb(255 255 255 / .08)}.nav-links.open{max-height:calc(100vh - 76px);padding:8px 0 24px}.nav-links li{width:100%;border-bottom:1px solid rgb(255 255 255 / .06)}.nav-links li:last-child{border-bottom:0}.nav-links a{display:flex!important;align-items:center;justify-content:space-between;padding:16px var(--pad)!important;width:100%;font-size:14px!important;color:rgb(255 255 255 / .92)!important;text-transform:uppercase;letter-spacing:.06em}.nav-links a::after{display:none}.nav-cta{margin:16px var(--pad) 0!important;width:calc(100% - 2 * var(--pad));text-align:center;justify-content:center!important;background:var(--gold)!important;color:var(--text-on-light)!important;text-transform:uppercase!important;font-weight:700!important;letter-spacing:0.08em!important}.nav-cta::after{display:none!important}.nav-links li.has-dropdown>a .caret{margin-left:8px;width:14px;height:14px;flex-shrink:0;transition:transform 0.3s ease}.nav-links li.has-dropdown.open-sub>a .caret{transform:rotate(180deg)}.nav-links li.has-dropdown.open-sub>a{color:var(--gold)!important;background:rgba(var(--gold-rgb),.06)}.dropdown{position:static!important;top:auto!important;left:auto!important;right:auto!important;transform:none!important;width:100%!important;min-width:0!important;max-width:none!important;display:block!important;grid-template-columns:none!important;border:none!important;border-radius:0!important;box-shadow:none!important;background:rgb(0 0 0 / .3)!important;padding:0!important;margin:0!important;opacity:1!important;visibility:visible!important;max-height:0;overflow:hidden;transition:max-height 0.35s ease}.nav-links li.has-dropdown.open-sub .dropdown{max-height:none!important;overflow:visible!important}.dropdown li{border-bottom:1px solid rgb(255 255 255 / .04)}.dropdown li:last-child{border-bottom:0}.dropdown a{padding:13px 32px!important;font-size:13px!important;text-transform:none!important;letter-spacing:0!important;color:rgb(255 255 255 / .75)!important;border-left:3px solid transparent!important;border-right:none!important;white-space:normal!important;display:block!important}.dropdown a:hover,.dropdown a:active{background:rgba(var(--gold-rgb),.08)!important;border-left-color:var(--gold)!important;color:var(--gold)!important}.hero{padding:100px 0 0;min-height:92vh;min-height:92svh}.hero-bg-image{width:100%;clip-path:none;-webkit-clip-path:none}.hero-bg-image img{object-position:center;-webkit-mask-image:none;mask-image:none}.hero-overlay{width:100%;clip-path:none;-webkit-clip-path:none;background:linear-gradient(180deg,rgba(var(--navy-darker-rgb),.88) 0%,rgba(var(--navy-dark-rgb),.75) 40%,rgba(var(--navy-dark-rgb),.65) 70%,rgba(var(--navy-darker-rgb),.92) 100%)}.hero-text{width:100%;max-width:100%}.hero-content{padding-left:var(--pad);padding-right:var(--pad);padding-bottom:240px}.hero-trust-bar{padding:20px var(--pad)}.hero-trust-inner{grid-template-columns:1fr;gap:14px;text-align:center}.hero-trust-item .num{font-size:24px}.hero-trust-item .lbl{font-size:12px}.services-grid{grid-template-columns:1fr;gap:16px}.service-body{padding:24px 22px 26px}.service-icon{width:52px;height:52px;top:14px;left:14px}.service-icon svg{width:26px;height:26px}.service-card h3{font-size:22px}.steps{grid-template-columns:1fr}.step-arrow{right:50%;top:auto;bottom:-14px;transform:translateX(50%) rotate(90deg)}.testimonials{grid-template-columns:1fr}.about-stats{grid-template-columns:1fr}.cta-banner-inner{flex-direction:column;text-align:center;align-items:flex-start}.cta-banner h2{text-align:left}.contact-grid{grid-template-columns:1fr}.contact-form-wrap,.contact-info{padding:36px 28px}.form-row.two-col{grid-template-columns:1fr;gap:0}.contact-map iframe{height:220px!important}.footer-grid{grid-template-columns:1fr;gap:36px}.footer-bottom{flex-direction:column;text-align:center}.modal-header{padding:24px 24px 20px}.modal-header h3{font-size:22px}.modal-body{padding:20px 24px 24px}.modal-footer{padding:16px 24px;flex-direction:column-reverse}.modal-footer .btn{width:100%}.float-cart{left:auto;right:16px;bottom:90px;padding:10px 16px 10px 14px;gap:8px}.float-cart-text strong{font-size:12px}.float-cart-text small{display:none}.nav{border-bottom:0}.nav.scrolled{box-shadow:0 2px 12px rgb(0 0 0 / .15)}}.breadcrumbs{background:var(--navy-darker);padding:100px var(--pad) 24px;color:rgb(255 255 255 / .6);font-size:13px;letter-spacing:.04em;text-transform:uppercase}.breadcrumbs-inner{max-width:var(--maxw);margin:0 auto}.breadcrumbs a{color:rgb(255 255 255 / .6);transition:color 0.2s}.breadcrumbs a:hover{color:var(--gold)}.breadcrumbs .sep{margin:0 10px;color:var(--gold)}.breadcrumbs .current{color:var(--white);font-weight:600}.page-hero{position:relative;background:var(--navy-dark);color:var(--white);padding:60px var(--pad) 100px;overflow:hidden}.page-hero-bg{position:absolute;inset:0;z-index:0;background:linear-gradient(135deg,var(--navy-darker) 0%,var(--navy-dark) 60%,var(--navy) 100%)}.page-hero-stripe{position:absolute;z-index:1}.page-hero-stripe.s1{top:0;right:-10%;width:55%;height:130%;background:var(--navy);clip-path:polygon(40% 0,100% 0,100% 100%,0 100%);opacity:.55}.page-hero-stripe.s2{top:0;right:-15%;width:35%;height:120%;background:var(--gold);clip-path:polygon(60% 0,100% 0,100% 100%,20% 100%);opacity:.08}.page-hero-stripe.s3{bottom:-30%;left:-10%;width:40%;height:80%;background:rgba(var(--gold-rgb),.05);clip-path:polygon(0 0,100% 0,50% 100%,0 100%)}.page-hero-grid{position:absolute;inset:0;z-index:1;background-image:linear-gradient(rgb(255 255 255 / .025) 1px,transparent 1px),linear-gradient(90deg,rgb(255 255 255 / .025) 1px,transparent 1px);background-size:60px 60px;pointer-events:none}.page-hero-inner{position:relative;z-index:2;max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:1.4fr 1fr;gap:64px;align-items:center}.page-hero-eyebrow{display:inline-flex;align-items:center;gap:12px;padding:8px 16px;background:rgba(var(--gold-rgb),.12);border-left:3px solid var(--gold);color:var(--gold);font-size:12px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;margin-bottom:28px}.page-hero h1{font-size:clamp(36px, 5.2vw, 64px);font-weight:900;letter-spacing:-.02em;margin-bottom:24px}.page-hero h1 .accent{color:var(--gold)}.page-hero-sub{font-size:clamp(16px, 1.5vw, 19px);color:rgb(255 255 255 / .82);margin-bottom:36px;line-height:1.65;max-width:600px}.page-hero-cta{display:flex;flex-wrap:wrap;gap:14px}.facts-card{background:rgb(255 255 255 / .04);border:1px solid rgb(255 255 255 / .1);border-top:4px solid var(--gold);padding:36px 32px;backdrop-filter:blur(6px)}.facts-card h3{font-size:14px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:24px;padding-bottom:14px;border-bottom:1px solid rgb(255 255 255 / .1)}.fact-row{display:flex;justify-content:space-between;align-items:baseline;padding:14px 0;border-bottom:1px dashed rgb(255 255 255 / .1)}.fact-row:last-child{border-bottom:0}.fact-label{font-size:13px;color:rgb(255 255 255 / .65)}.fact-value{font-family:'Barlow',sans-serif;font-weight:800;color:var(--white);font-size:18px}.fact-value.gold{color:var(--gold)}.faq-list{max-width:880px;margin:0 auto}.faq-item{background:var(--white);border:1px solid var(--gray-100);border-left:4px solid var(--navy);margin-bottom:12px;transition:border-left-color 0.25s}.faq-item[open],.faq-item.open{border-left-color:var(--gold)}.faq-trigger{width:100%;padding:22px 28px;display:flex;justify-content:space-between;align-items:center;gap:20px;text-align:left;font-family:'Barlow',sans-serif;font-weight:700;font-size:17px;color:var(--text-on-light);transition:color 0.2s;cursor:pointer;list-style:none;-webkit-tap-highlight-color:#fff0}.faq-trigger::-webkit-details-marker{display:none}.faq-trigger::marker{content:''}.faq-trigger:hover{color:var(--accent-on-light)}.faq-trigger .chev{flex-shrink:0;width:28px;height:28px;border:1.5px solid var(--gray-300);position:relative;transition:border-color 0.2s,background 0.2s}.faq-trigger .chev::before,.faq-trigger .chev::after{content:'';position:absolute;top:50%;left:50%;background:var(--navy-dark);transition:transform 0.25s ease,background 0.2s}.faq-trigger .chev::before{width:12px;height:1.5px;transform:translate(-50%,-50%)}.faq-trigger .chev::after{width:1.5px;height:12px;transform:translate(-50%,-50%)}.faq-item[open] .faq-trigger .chev,.faq-item.open .faq-trigger .chev{border-color:var(--accent-on-light);background:var(--accent-on-light)}.faq-item[open] .faq-trigger .chev::before,.faq-item.open .faq-trigger .chev::before{background:var(--white)}.faq-item[open] .faq-trigger .chev::after,.faq-item.open .faq-trigger .chev::after{transform:translate(-50%,-50%) scaleY(0)}.faq-answer-inner{padding:0 28px 24px;font-size:15px;color:var(--gray-600);line-height:1.75}.faq-answer-inner p{margin-bottom:12px}.faq-answer-inner p:last-child{margin-bottom:0}.cta-banner{background:var(--cta);padding:64px 0;position:relative;overflow:hidden}.cta-banner::before{content:'';position:absolute;top:0;right:0;bottom:0;width:40%;background:var(--cta-dark);clip-path:polygon(30% 0,100% 0,100% 100%,0 100%);opacity:.4}.cta-banner-inner{position:relative;z-index:1;display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap;max-width:var(--maxw);margin:0 auto;padding:0 var(--pad)}.cta-banner h2{font-size:clamp(26px, 3.4vw, 38px);color:var(--text-on-light);max-width:720px}.cta-banner h2 span{display:block;font-weight:500;font-size:.6em;color:var(--text-on-light);margin-top:8px}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:0}.contact-form-wrap{background:var(--white);padding:48px 40px;border:1px solid var(--gray-100)}.contact-info{background:var(--navy-dark);color:var(--white);padding:48px 40px;position:relative;overflow:hidden}.contact-info::before{content:'';position:absolute;top:-20%;right:-30%;width:80%;height:80%;background:var(--navy);clip-path:polygon(50% 0,100% 0,100% 100%);opacity:.5}.contact-info-inner{position:relative;z-index:1}.contact-info h3{font-size:24px;color:var(--white);margin-bottom:20px}.contact-info p.lead{color:rgb(255 255 255 / .8);font-size:15px;margin-bottom:28px}.info-item{display:flex;gap:16px;padding:16px 0;border-bottom:1px solid rgb(255 255 255 / .1)}.info-item:last-child{border-bottom:0}.info-icon{width:40px;height:40px;flex-shrink:0;background:rgba(var(--gold-rgb),.15);color:var(--gold);display:flex;align-items:center;justify-content:center}.info-icon svg{width:20px;height:20px}.info-label{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:rgb(255 255 255 / .6);margin-bottom:3px}.info-value{font-size:17px;font-weight:600;color:var(--white)}.info-value a:hover{color:var(--gold)}.form-row{margin-bottom:18px}.form-row.two-col{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:0}.form-row.two-col .form-row{margin-bottom:18px}.form-label{display:block;font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;margin-bottom:7px;color:var(--text-on-light)}.form-label .req{color:var(--error)}.form-input,.form-select,.form-textarea{width:100%;padding:13px 15px;background:var(--gray-50);border:1px solid var(--gray-100);border-radius:0;color:var(--text-on-light);font-size:15px;transition:border-color 0.2s,background 0.2s,box-shadow 0.2s}.form-input:focus,.form-select:focus,.form-textarea:focus{outline:none;background:var(--white);border-color:var(--navy);box-shadow:0 0 0 3px rgba(var(--navy-rgb),.1)}.form-textarea{min-height:110px;resize:vertical;font-family:inherit}.form-input.error,.form-select.error,.form-textarea.error{border-color:var(--error);background:#FDF3F3}.form-error{display:none;margin-top:6px;font-size:12px;font-weight:500;color:var(--error)}.form-input.error+.form-error,.form-select.error+.form-error,.form-textarea.error+.form-error{display:block}.form-success{display:none;padding:20px;background:#E8F5E9;border-left:4px solid var(--success);color:var(--success);font-weight:600;margin-bottom:22px}.form-success.show{display:block}.footer{background:var(--navy-darker);color:rgb(255 255 255 / .7);padding:72px 0 0;position:relative;overflow:hidden}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:48px;margin-bottom:56px}.footer-brand img{height:48px;width:auto;margin-bottom:20px}.footer-brand p{font-size:14px;line-height:1.7}.footer h4{font-size:14px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--white);margin-bottom:20px;padding-bottom:12px;border-bottom:2px solid var(--gold);display:inline-block}.footer ul{list-style:none}.footer ul li{margin-bottom:10px;font-size:14px}.footer ul a:hover{color:var(--gold)}.footer .contact-line{display:flex;align-items:center;gap:8px;margin-bottom:10px;font-size:14px}.footer .contact-line svg{width:16px;height:16px;color:var(--gold);flex-shrink:0}.footer-bottom{padding:24px 0;border-top:1px solid rgb(255 255 255 / .08);display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:13px}@media (max-width:968px){.page-hero-inner{grid-template-columns:1fr;gap:40px}.footer-grid{grid-template-columns:1fr 1fr;gap:40px}}@media (max-width:768px){.section{padding:64px 0}.breadcrumbs{padding-top:90px;font-size:11px}.page-hero{padding-bottom:64px}.contact-grid{grid-template-columns:1fr}.contact-form-wrap,.contact-info{padding:32px 24px}.form-row.two-col{grid-template-columns:1fr;gap:0}.cta-banner-inner{flex-direction:column;align-items:flex-start;text-align:left}.footer-grid{grid-template-columns:1fr;gap:36px}.footer-bottom{flex-direction:column;text-align:center}}.tiles-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.tile{background:var(--white);border:1px solid var(--gray-100);border-top:4px solid var(--navy);padding:32px 28px;position:relative;display:flex;flex-direction:column;transition:transform 0.3s ease,box-shadow 0.3s ease,border-color 0.3s ease;text-decoration:none;min-height:220px}.tile::before{content:'';position:absolute;top:0;left:0;width:0;height:4px;background:var(--gold);transition:width 0.4s ease}.tile.is-active:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(var(--navy-dark-rgb),.12)}.tile.is-active:hover::before{width:100%}.tile.is-soon{cursor:default;opacity:.92}.tile.is-soon:hover{border-color:var(--gray-100)}.tile-icon{width:52px;height:52px;background:var(--navy-dark);color:var(--gold);display:flex;align-items:center;justify-content:center;margin-bottom:18px}.tile.is-soon .tile-icon{background:var(--gray-100);color:var(--gray-300)}.tile-icon svg{width:26px;height:26px}.tile h3{font-size:19px;color:var(--text-on-light);margin-bottom:10px;line-height:1.25}.tile p{font-size:15px;color:var(--gray-600);line-height:1.65;margin-bottom:18px;flex:1}.tile-foot{display:flex;align-items:center;gap:8px;font-family:'Barlow',sans-serif;font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--anchor)}.tile.is-active .tile-foot svg{width:16px;height:16px;transition:transform 0.25s ease}.tile.is-active:hover .tile-foot{color:var(--accent-on-light)}.tile.is-active:hover .tile-foot svg{transform:translateX(4px)}.badge-soon{display:inline-block;font-family:'Barlow',sans-serif;font-weight:700;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--gray-600);background:var(--gray-100);padding:5px 10px}.badge-ready{display:inline-block;font-family:'Barlow',sans-serif;font-weight:700;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--text-on-light);background:var(--gold);padding:5px 10px}.tile-badge-row{margin-bottom:16px}.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.blog-card{background:var(--white);border:1px solid var(--gray-100);display:flex;flex-direction:column;text-decoration:none;transition:transform 0.3s ease,box-shadow 0.3s ease}.blog-card:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(var(--navy-dark-rgb),.12)}.blog-card-img{height:180px;background:var(--navy-dark);position:relative;overflow:hidden;display:flex;align-items:center;justify-content:center}.blog-card-img::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,var(--navy-darker) 0%,var(--navy) 100%)}.blog-card-img::after{content:'';position:absolute;top:0;right:0;width:50%;height:100%;background:rgba(var(--gold-rgb),.08);clip-path:polygon(40% 0,100% 0,100% 100%,0 100%)}.blog-card-img svg{position:relative;z-index:1;width:48px;height:48px;color:var(--gold);opacity:.5}.blog-card-cat{position:absolute;z-index:2;top:16px;left:16px;font-family:'Barlow',sans-serif;font-weight:700;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--text-on-light);background:var(--gold);padding:5px 12px}.blog-card-body{padding:28px 26px;display:flex;flex-direction:column;flex:1}.blog-card-date{font-size:12px;color:var(--gray-600);letter-spacing:.04em;margin-bottom:10px}.blog-card h3{font-size:19px;color:var(--text-on-light);line-height:1.3;margin-bottom:12px}.blog-card p{font-size:14px;color:var(--gray-600);line-height:1.65;margin-bottom:18px;flex:1}.blog-card-more{font-family:'Barlow',sans-serif;font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--anchor);display:flex;align-items:center;gap:8px}.blog-card-more svg{width:16px;height:16px;transition:transform 0.25s ease}.blog-card:hover .blog-card-more{color:var(--accent-on-light)}.blog-card:hover .blog-card-more svg{transform:translateX(4px)}@media (max-width:968px){.tiles-grid{grid-template-columns:repeat(2,1fr)}.blog-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:768px){.tiles-grid{grid-template-columns:1fr}.blog-grid{grid-template-columns:1fr}}.post-hero{position:relative;background:var(--navy-darker);color:var(--white);padding:36px 0 80px;overflow:hidden}.post-hero-bg{position:absolute;inset:0;background:radial-gradient(circle at 90% 20%,rgba(var(--accent-rgb),.1),transparent 50%),radial-gradient(circle at 10% 100%,rgba(var(--accent-rgb),.05),transparent 50%);pointer-events:none}.post-hero-inner{position:relative;z-index:1}.post-breadcrumbs{font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:rgb(255 255 255 / .45);font-weight:600;margin-bottom:48px}.post-breadcrumbs a{color:rgb(255 255 255 / .55);text-decoration:none;transition:color 0.2s ease}.post-breadcrumbs a:hover{color:var(--gold)}.post-breadcrumbs .sep{margin:0 10px;color:rgb(255 255 255 / .3)}.post-breadcrumbs .current{color:rgb(255 255 255 / .75)}.post-hero-tag{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:24px}.post-hero-tag::before{content:'';width:24px;height:2px;background:var(--gold)}.post-hero-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:64px;align-items:end}.post-hero-title{font-family:'Barlow',sans-serif;font-weight:800;font-size:clamp(32px, 4.6vw, 60px);line-height:1.05;letter-spacing:-.025em;color:var(--white);margin:0 0 24px 0;max-width:18ch}.post-hero-meta{display:flex;flex-wrap:wrap;gap:10px 28px;font-family:'Inter',sans-serif;font-size:13px;color:rgb(255 255 255 / .55);margin-top:8px}.post-hero-meta span{display:inline-flex;align-items:center;gap:8px}.post-hero-meta .dot{width:4px;height:4px;border-radius:50%;background:var(--gold);display:inline-block}.post-hero-number{text-align:right;font-family:'Barlow',sans-serif;font-weight:800;font-size:clamp(96px, 14vw, 200px);line-height:.88;color:var(--gold);letter-spacing:-.05em;font-feature-settings:'tnum'}.post-hero-number .unit{display:block;font-size:14px;letter-spacing:.18em;color:rgb(255 255 255 / .55);font-weight:600;margin-top:10px;text-transform:uppercase}.post-progress{position:fixed;top:0;left:0;height:3px;background:var(--gold);width:0%;z-index:100;transition:width 0.1s linear}.post-layout-section{background:var(--white);padding:64px 0}.post-layout{display:grid;grid-template-columns:220px minmax(0,1fr) 280px;gap:64px;align-items:start}.post-toc{position:sticky;top:100px;align-self:start;height:max-content}.post-toc-label{display:flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-on-light);font-weight:700;margin-bottom:20px}.post-toc-label .line{width:20px;height:2px;background:var(--gold)}.post-toc ul{list-style:none;margin:0;padding:0}.post-toc li{margin-bottom:14px}.post-toc-link{display:flex;gap:12px;text-decoration:none;font-family:'Inter',sans-serif;font-size:13px;line-height:1.4;color:var(--gray-600);padding-left:12px;border-left:2px solid var(--gray-100);transition:color 0.2s ease,border-color 0.2s ease}.post-toc-link:hover{color:var(--text-dark);border-left-color:var(--gray-300)}.post-toc-link.is-active{color:var(--text-dark);border-left-color:var(--gold);font-weight:500}.post-toc-link .num{font-size:11px;color:var(--gray-300);flex-shrink:0;font-weight:700;font-feature-settings:'tnum';letter-spacing:.04em}.post-toc-link.is-active .num{color:var(--gold)}.post-article{max-width:720px;font-family:'Inter',sans-serif}.post-lead{font-size:21px;line-height:1.55;color:var(--text-on-light);font-weight:400;margin-bottom:32px;padding-left:20px;border-left:4px solid var(--gold)}.post-body p{font-family:'Inter',sans-serif;font-size:17px;line-height:1.7;color:var(--text-dark);margin-bottom:22px}.post-body p.lead{font-size:21px;line-height:1.55;color:var(--text-on-light);font-weight:400;margin-bottom:32px;padding-left:20px;border-left:4px solid var(--gold)}.post-body strong{font-weight:600;color:var(--text-on-light)}.post-body em{font-style:italic}.post-body a{color:var(--text-on-light);text-decoration:none;border-bottom:1px solid var(--gold);padding-bottom:1px;transition:background 0.2s ease}.post-body a:hover{background:rgba(var(--accent-rgb),.1)}.post-body h2{font-family:'Barlow',sans-serif;font-weight:800;font-size:clamp(26px, 3vw, 34px);line-height:1.2;letter-spacing:-.02em;color:var(--text-on-light);margin:56px 0 20px;scroll-margin-top:100px;position:relative}.post-body{counter-reset:post-h2}.post-body h2::before{content:counter(post-h2,decimal-leading-zero) " / ";counter-increment:post-h2;display:block;font-family:'Barlow',sans-serif;font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--accent-on-light);margin-bottom:12px}.post-body h3{font-family:'Barlow',sans-serif;font-weight:700;font-size:20px;line-height:1.35;color:var(--text-on-light);margin:32px 0 12px}.post-body h4{font-family:'Barlow',sans-serif;font-weight:700;font-size:17px;line-height:1.4;color:var(--text-on-light);margin:24px 0 10px}.post-body ul,.post-body ol{margin:0 0 24px 0;padding-left:0;list-style:none}.post-body ul li,.post-body ol li{position:relative;padding-left:28px;margin-bottom:12px;font-family:'Inter',sans-serif;font-size:17px;line-height:1.65;color:var(--text-dark)}.post-body ul li::before{content:'';position:absolute;left:0;top:12px;width:14px;height:2px;background:var(--gold)}.post-body ol{counter-reset:post-ol}.post-body ol li{counter-increment:post-ol;padding-left:36px}.post-body ol li::before{content:counter(post-ol,decimal-leading-zero);position:absolute;left:0;top:0;font-family:'Barlow',sans-serif;font-size:14px;font-weight:700;color:var(--gold);font-feature-settings:'tnum'}.post-body blockquote{margin:36px 0;padding:24px 28px;background:var(--gray-50);border-left:4px solid var(--gold);font-family:'Barlow',sans-serif;font-weight:500;font-size:20px;line-height:1.45;color:var(--text-on-light);letter-spacing:-.005em}.post-body blockquote p{font-family:'Barlow',sans-serif;font-size:inherit;line-height:inherit;color:inherit;margin:0}.post-cta{margin-top:56px;padding:40px;background:var(--navy-darker);color:var(--white);position:relative;overflow:hidden}.post-cta::before{content:'';position:absolute;top:0;right:0;width:160px;height:160px;background:radial-gradient(circle at 100% 0%,rgba(var(--accent-rgb),.18),transparent 70%);pointer-events:none}.post-cta-tag{display:flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px;position:relative}.post-cta-tag .line{width:24px;height:2px;background:var(--gold)}.post-cta h3{font-family:'Barlow',sans-serif;font-weight:800;font-size:24px;line-height:1.2;color:var(--white);margin:0 0 12px 0;letter-spacing:-.015em;position:relative}.post-cta p{font-size:15px;line-height:1.6;color:rgb(255 255 255 / .75);margin:0 0 24px 0;max-width:540px;position:relative}.post-cta-btn{display:inline-flex;align-items:center;gap:10px;background:var(--gold);color:var(--text-on-light);font-family:'Barlow',sans-serif;font-weight:700;font-size:14px;letter-spacing:.04em;text-transform:uppercase;padding:14px 24px;text-decoration:none;border:0;transition:background 0.2s ease;position:relative}.post-cta-btn:hover{background:var(--gold-dark)}.post-cta-btn svg{width:18px;height:18px;transition:transform 0.2s ease}.post-cta-btn:hover svg{transform:translateX(4px)}.post-rail{position:sticky;top:100px;align-self:start;height:max-content}.post-rail-card{background:var(--navy-darker);color:var(--white);padding:28px 24px;margin-bottom:20px;position:relative;overflow:hidden}.post-rail-card::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 100% 0%,rgba(var(--accent-rgb),.14),transparent 60%);pointer-events:none}.post-rail-tag{position:relative;display:flex;align-items:center;gap:8px;font-family:'Barlow',sans-serif;font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:14px}.post-rail-tag .line{width:16px;height:2px;background:var(--gold)}.post-rail-card h4{position:relative;font-family:'Barlow',sans-serif;font-weight:800;font-size:19px;line-height:1.25;color:var(--white);margin:0 0 12px 0;letter-spacing:-.01em}.post-rail-card p{position:relative;font-family:'Inter',sans-serif;font-size:13px;line-height:1.55;color:rgb(255 255 255 / .7);margin:0 0 20px 0}.post-rail-btn{position:relative;display:flex;align-items:center;justify-content:space-between;gap:10px;background:var(--gold);color:var(--text-on-light);font-family:'Barlow',sans-serif;font-weight:700;font-size:13px;letter-spacing:.04em;text-transform:uppercase;padding:12px 16px;text-decoration:none;transition:background 0.2s ease}.post-rail-btn:hover{background:var(--gold-dark)}.post-rail-btn svg{width:16px;height:16px;flex-shrink:0;transition:transform 0.2s ease}.post-rail-btn:hover svg{transform:translateX(3px)}.post-rail-meta{background:var(--white);border:1px solid var(--gray-100);padding:18px 20px;margin-bottom:16px}.post-rail-meta .row{display:flex;justify-content:space-between;padding:8px 0;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.08em;text-transform:uppercase}.post-rail-meta .row:not(:last-child){border-bottom:1px solid var(--gray-100)}.post-rail-meta .row span:first-child{color:var(--gray-600);font-weight:500}.post-rail-meta .row span:last-child{color:var(--text-on-light);font-weight:700}.post-rail-share{display:flex;gap:8px}.post-rail-share a{width:36px;height:36px;border:1px solid var(--gray-100);background:var(--white);display:flex;align-items:center;justify-content:center;color:var(--text-dark);font-family:'Barlow',sans-serif;font-size:12px;font-weight:700;text-decoration:none;transition:all 0.2s ease}.post-rail-share a:hover{border-color:var(--gold);background:var(--gold);color:var(--text-on-light)}.post-related{background:var(--navy-darker);color:var(--white);padding:80px 0;position:relative;overflow:hidden}.post-related::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 50% 0%,rgba(var(--accent-rgb),.06),transparent 60%);pointer-events:none}.post-related-header{position:relative;margin-bottom:40px}.post-related-tag{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:12px}.post-related-tag .line{width:24px;height:2px;background:var(--gold)}.post-related-header h2{font-family:'Barlow',sans-serif;font-weight:800;font-size:clamp(28px, 3vw, 40px);letter-spacing:-.02em;color:var(--white);margin:0}.post-related-grid{position:relative;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.post-related-card{position:relative;display:block;background:var(--navy-dark);padding:32px 28px;text-decoration:none;color:var(--white);border:1px solid rgb(255 255 255 / .06);transition:transform 0.3s ease,border-color 0.2s ease;overflow:hidden}.post-related-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold)}.post-related-card:hover{transform:translateY(-4px);border-color:rgba(var(--accent-rgb),.3)}.post-related-card .num{display:block;font-family:'Barlow',sans-serif;font-size:11px;font-weight:700;letter-spacing:.18em;color:var(--gold);margin-bottom:24px}.post-related-card .cat{font-family:'Barlow',sans-serif;font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:rgb(255 255 255 / .5);font-weight:600;margin-bottom:10px}.post-related-card h3{font-family:'Barlow',sans-serif;font-weight:700;font-size:19px;line-height:1.3;color:var(--white);margin:0 0 14px 0;letter-spacing:-.01em}.post-related-card .date{font-family:'Inter',sans-serif;font-size:12px;color:rgb(255 255 255 / .55);margin-bottom:20px}.post-related-card .read{display:inline-flex;align-items:center;gap:8px;font-family:'Barlow',sans-serif;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold)}.post-related-card .read svg{width:14px;height:14px;transition:transform 0.2s ease}.post-related-card:hover .read svg{transform:translateX(4px)}@media (max-width:1100px){.post-layout{grid-template-columns:200px 1fr;gap:40px}.post-rail{display:none}.post-hero-grid{grid-template-columns:1fr;gap:32px}.post-hero-number{text-align:left}.post-related-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:768px){.post-hero{padding:24px 0 48px}.post-breadcrumbs{margin-bottom:24px}.post-hero-title{font-size:30px}.post-hero-number{font-size:96px}.post-layout-section{padding:40px 0}.post-layout{grid-template-columns:1fr;gap:32px}.post-toc{position:static;padding-bottom:24px;border-bottom:1px solid var(--gray-100)}.post-toc ul{display:grid;grid-template-columns:1fr 1fr;gap:8px}.post-body h2{font-size:24px;margin-top:44px}.post-lead,.post-body p.lead{font-size:18px}.post-cta{padding:28px;margin-top:40px}.post-cta h3{font-size:20px}.post-related{padding:56px 0}.post-related-grid{grid-template-columns:1fr;gap:16px}.post-related-card{padding:24px}}.post-body p.callout-wazne,.post-body p.callout-uwaga,.post-body p.callout-pamietaj,.post-body p.callout-wskazowka,.post-body p.callout-przyklad{position:relative;padding:18px 24px 18px 28px;margin:28px 0;background:var(--gray-50);border-left:4px solid var(--gold);font-size:16px;line-height:1.6;color:var(--text-dark)}.post-body p.callout-wazne{border-left-color:var(--error);background:rgb(211 47 47 / .04)}.post-body p.callout-wazne strong:first-child,.post-body p.callout-wazne::first-line{color:var(--error)}.post-body p.callout-uwaga{border-left-color:var(--gold);background:rgba(var(--accent-rgb),.06)}.post-body p.callout-uwaga strong:first-child{color:var(--accent-on-light)}.post-body p.callout-pamietaj{border-left-color:var(--navy);background:rgba(var(--navy-darker-rgb),.04)}.post-body p.callout-pamietaj strong:first-child{color:var(--text-on-light)}.post-body p.callout-wskazowka{border-left-color:var(--success);background:rgb(46 125 50 / .04)}.post-body p.callout-wskazowka strong:first-child{color:var(--success)}.post-body p.callout-przyklad{border-left-color:var(--gray-600);background:var(--gray-50)}.post-body p.callout-przyklad strong:first-child{color:var(--gray-600)}@media (max-width:768px){.post-body p.callout-wazne,.post-body p.callout-uwaga,.post-body p.callout-pamietaj,.post-body p.callout-wskazowka,.post-body p.callout-przyklad{padding:14px 18px 14px 22px;font-size:15px}}.post-hero--image{position:relative;background:var(--navy-darker);min-height:480px;display:flex;align-items:center;overflow:hidden}.post-hero--image .post-hero-image{position:absolute;top:0;right:0;bottom:0;width:55%;background-size:cover;background-position:center;background-repeat:no-repeat;z-index:1}.post-hero--image .post-hero-overlay{position:absolute;top:0;right:0;bottom:0;width:55%;background:linear-gradient(to right,var(--navy-darker) 0%,rgba(var(--navy-darker-rgb),.85) 15%,rgba(var(--navy-darker-rgb),.2) 60%,transparent 100%),linear-gradient(to bottom,transparent 60%,rgba(var(--navy-darker-rgb),.45) 100%);z-index:2;pointer-events:none}.post-hero--image::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 45% 50%,rgba(var(--accent-rgb),.12),transparent 40%);z-index:3;pointer-events:none}.post-hero--image .post-hero-inner{position:relative;z-index:4;width:100%}.post-hero--image .post-hero-grid{grid-template-columns:minmax(0,1fr);max-width:56%}.post-hero--image .post-hero-title{max-width:22ch}@media (max-width:1100px){.post-hero--image .post-hero-image,.post-hero--image .post-hero-overlay{width:50%}.post-hero--image .post-hero-grid{max-width:50%}}@media (max-width:968px){.post-hero--image{min-height:auto;display:block;padding-bottom:0}.post-hero--image .post-hero-image{position:relative;top:auto;right:auto;bottom:auto;width:100%;height:0;padding-bottom:56.25%;margin-top:32px}.post-hero--image .post-hero-overlay{position:absolute;top:32px;right:0;bottom:0;left:0;width:100%;height:auto;background:linear-gradient(to bottom,transparent 70%,rgba(var(--navy-darker-rgb),.5) 100%)}.post-hero--image::before{display:none}.post-hero--image .post-hero-grid{max-width:100%}.post-hero--image .post-hero-title{max-width:18ch}}.page-hero--has-image .page-hero-image{position:absolute;top:0;right:0;bottom:0;width:52%;background-size:cover;background-position:center;background-repeat:no-repeat;z-index:2}.page-hero--has-image .page-hero-image-overlay{position:absolute;top:0;right:0;bottom:0;width:52%;background:linear-gradient(to right,var(--navy-darker) 0%,rgba(var(--navy-darker-rgb),.85) 12%,rgba(var(--navy-darker-rgb),.25) 60%,transparent 100%),linear-gradient(to bottom,transparent 50%,rgba(var(--navy-darker-rgb),.45) 100%);z-index:3;pointer-events:none}.page-hero--has-image .page-hero-inner{position:relative;z-index:4;display:block;max-width:none;margin:0;padding-left:var(--pad);padding-right:0}.page-hero--has-image .page-hero-inner>div:first-child{max-width:640px}.page-hero--has-image h1{max-width:18ch}.facts-strip{background:var(--navy-dark);border-top:1px solid rgba(var(--accent-rgb),.15);border-bottom:1px solid rgb(255 255 255 / .06);padding:28px 0;color:var(--white)}.facts-strip-inner{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:180px 1fr;gap:32px;align-items:center}.facts-strip-label{display:flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700}.facts-strip-label .line{width:24px;height:2px;background:var(--gold)}.facts-strip-items{display:grid;grid-template-columns:repeat(var(--cols,5),1fr);gap:32px}.facts-strip-item{display:flex;flex-direction:column;gap:4px}.facts-strip-item .k{font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:rgb(255 255 255 / .55);font-weight:600}.facts-strip-item .v{font-family:'Barlow',sans-serif;font-size:15px;font-weight:700;color:var(--white);line-height:1.3}.scenariusze-grid .scenariusz-card{position:relative;isolation:isolate;overflow:hidden;background:var(--navy-darker);color:var(--white)}.scenariusze-grid .scenariusz-card-bg{position:absolute;inset:0;z-index:0;background-size:cover;background-position:center;background-repeat:no-repeat;opacity:.68;filter:grayscale(.08) saturate(1);transition:opacity 0.4s ease,filter 0.4s ease,transform 0.6s ease}.scenariusze-grid .scenariusz-card::after{content:'';position:absolute;inset:0;z-index:1;background:linear-gradient(to top,var(--navy-darker) 0%,rgba(var(--navy-darker-rgb),.65) 45%,rgba(var(--navy-darker-rgb),.15) 100%);pointer-events:none}.scenariusze-grid .scenariusz-card.no-image::after{background:var(--navy-darker)}.scenariusze-grid .scenariusz-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold);z-index:3}.scenariusze-grid .scenariusz-card:hover{transform:translateY(-6px);border-color:rgba(var(--accent-rgb),.35)}.scenariusze-grid .scenariusz-card:hover .scenariusz-card-bg{opacity:.85;filter:grayscale(0) saturate(1.1);transform:scale(1.04)}.scenariusze-grid .scenariusz-card-top,.scenariusze-grid .scenariusz-card h3,.scenariusze-grid .scenariusz-card p,.scenariusze-grid .scenariusz-card-foot{position:relative;z-index:2}.scenariusze-grid .scenariusz-card-top{display:flex;justify-content:flex-end;align-items:flex-start;margin-bottom:24px}.scenariusze-grid .scenariusz-card-num{font-family:'Barlow',sans-serif;font-size:13px;font-weight:700;color:rgb(255 255 255 / .55);letter-spacing:.08em;font-feature-settings:'tnum'}.scenariusze-grid .scenariusz-card h3{font-family:'Barlow',sans-serif;font-size:22px;line-height:1.2;color:var(--white);margin-bottom:14px;letter-spacing:-.015em;font-weight:700;text-shadow:0 2px 8px rgb(0 0 0 / .4)}.scenariusze-grid .scenariusz-card p{font-size:14px;line-height:1.55;color:rgb(255 255 255 / .85);margin-bottom:20px;text-shadow:0 1px 4px rgb(0 0 0 / .45)}.scenariusze-grid .scenariusz-card-foot{display:inline-flex;align-items:center;gap:8px;font-family:'Barlow',sans-serif;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-top:auto}.scenariusze-grid .scenariusz-card-foot svg{width:14px;height:14px;transition:transform 0.2s ease}.scenariusze-grid .scenariusz-card:hover .scenariusz-card-foot svg{transform:translateX(4px)}.scenariusze-grid .scenariusz-card-icon{display:none}.scenariusze-grid .scenariusz-card-typ{display:none}@media (max-width:1100px){.page-hero--has-image .page-hero-image,.page-hero--has-image .page-hero-image-overlay{width:50%}.page-hero--has-image .page-hero-inner>div:first-child{max-width:50%}.facts-strip-items{grid-template-columns:repeat(3,1fr);gap:20px}}@media (max-width:880px){.page-hero--has-image .page-hero-inner{padding-right:var(--pad)}.page-hero--has-image .page-hero-image{position:relative;top:auto;right:auto;bottom:auto;width:100%;height:0;padding-bottom:56.25%;margin-top:32px}.page-hero--has-image .page-hero-image-overlay{position:absolute;top:32px;width:100%;height:auto;background:linear-gradient(to bottom,transparent 70%,rgba(var(--navy-darker-rgb),.5) 100%)}.page-hero--has-image .page-hero-inner>div:first-child{max-width:100%}.page-hero--has-image h1{max-width:100%}.facts-strip-inner{grid-template-columns:1fr;gap:16px}.facts-strip-items{grid-template-columns:repeat(2,1fr);gap:20px}}.skd-hero{position:relative;background:var(--navy-darker);color:var(--white);padding:80px 0 100px;overflow:hidden}.skd-hero-bg{position:absolute;inset:0;z-index:0;background:linear-gradient(135deg,var(--navy-darker) 0%,var(--navy-dark) 60%,var(--navy-dark) 100%)}.skd-hero-stripe{position:absolute;z-index:1;pointer-events:none}.skd-hero-stripe.s1{top:0;right:-10%;width:55%;height:130%;background:var(--navy-dark);clip-path:polygon(40% 0,100% 0,100% 100%,0 100%);opacity:.55}.skd-hero-stripe.s2{top:0;right:-15%;width:35%;height:120%;background:var(--gold);clip-path:polygon(60% 0,100% 0,100% 100%,20% 100%);opacity:.06}.skd-hero-stripe.s3{bottom:-30%;left:-10%;width:40%;height:80%;background:rgba(var(--gold-rgb),.05);clip-path:polygon(0 0,100% 0,50% 100%,0 100%)}.skd-hero-grid{position:absolute;inset:0;z-index:1;background-image:linear-gradient(rgb(255 255 255 / .025) 1px,transparent 1px),linear-gradient(90deg,rgb(255 255 255 / .025) 1px,transparent 1px);background-size:60px 60px;pointer-events:none}.skd-hero--has-image .skd-hero-image{position:absolute;top:0;right:0;bottom:0;width:52%;background-size:cover;background-position:center;background-repeat:no-repeat;z-index:2}.skd-hero--has-image .skd-hero-image-overlay{position:absolute;top:0;right:0;bottom:0;width:52%;background:linear-gradient(to right,var(--navy-darker) 0%,rgba(var(--navy-darker-rgb),.85) 12%,rgba(var(--navy-darker-rgb),.25) 60%,rgba(var(--navy-darker-rgb),.4) 100%),linear-gradient(to bottom,transparent 30%,rgba(var(--navy-darker-rgb),.55) 100%);z-index:3;pointer-events:none}.skd-hero-inner{position:relative;z-index:4;padding-left:var(--pad);padding-right:var(--pad);max-width:var(--maxw);margin:0 auto;box-sizing:border-box}.skd-hero--has-image .skd-hero-inner{padding-right:0}.skd-hero-content{max-width:640px}.skd-tsue-badge{display:inline-flex;align-items:center;gap:14px;padding:12px 18px;background:linear-gradient(90deg,rgba(var(--gold-rgb),.18) 0%,rgba(var(--gold-rgb),.04) 100%);border-left:4px solid var(--gold);margin-bottom:24px;position:relative}@keyframes skd-pulse{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.4);opacity:.4}}.skd-tsue-badge-dot{width:6px;height:6px;background:var(--gold);border-radius:50%}.skd-tsue-badge-label{font-family:'Barlow',sans-serif;font-size:11px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}.skd-tsue-badge-text{font-family:'Barlow',sans-serif;font-size:13px;font-weight:600;color:var(--white)}.skd-hero-eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:rgb(255 255 255 / .55);margin-bottom:24px}.skd-hero-eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-hero h1{font-size:clamp(40px, 5.6vw, 72px);font-weight:900;letter-spacing:-.028em;line-height:1;margin-bottom:32px;color:var(--white)}.skd-hero h1 .accent{color:var(--gold);font-style:normal}.skd-hero-sub{font-size:clamp(17px, 1.5vw, 20px);color:rgb(255 255 255 / .82);margin-bottom:32px;line-height:1.55;max-width:600px}.skd-hero-sub strong{color:var(--white);font-weight:700}.skd-hero-promises{display:flex;flex-direction:column;gap:12px;margin:0 0 36px;list-style:none;padding:0}.skd-hero-promises li{display:flex;align-items:center;gap:12px;font-family:'Barlow',sans-serif;font-size:15px;font-weight:600;color:rgb(255 255 255 / .92)}.skd-hero-promises li svg{width:18px;height:18px;color:var(--gold);flex-shrink:0}.skd-hero-cta{display:flex;flex-wrap:wrap;gap:14px}.skd-hero-number{position:absolute;bottom:40px;right:var(--pad);z-index:5;text-align:right;padding:24px 28px;background:rgb(17 20 26 / .7);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-left:3px solid var(--gold)}.skd-hero-number-label{font-family:'Barlow',sans-serif;font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:rgb(255 255 255 / .65);margin-bottom:4px}.skd-hero-number-value{font-family:'Barlow',sans-serif;font-size:44px;font-weight:900;color:var(--gold);line-height:.95;letter-spacing:-.025em;font-feature-settings:'tnum'}.skd-hero-number-sub{font-family:'Barlow',sans-serif;font-size:12px;color:rgb(255 255 255 / .6);margin-top:6px;font-weight:500}.skd-steps{background:var(--white);padding:96px 0}.skd-steps .section-header{max-width:var(--maxw);margin:0 auto 56px;padding:0 var(--pad);text-align:left}.skd-steps .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-steps .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-steps h2{font-size:clamp(28px, 3.6vw, 46px);letter-spacing:-.025em;color:var(--text-on-light);margin-bottom:16px;max-width:26ch;margin-left:auto;margin-right:auto}.skd-steps-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.skd-step{text-align:left;padding:32px;background:var(--white);border:1px solid var(--gray-100);transition:transform 0.3s ease,box-shadow 0.3s ease,border-color 0.2s ease;position:relative}.skd-step::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform 0.4s ease}.skd-step:hover::before{transform:scaleX(1)}.skd-step:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgb(0 0 0 / .06);border-color:rgb(245 166 35 / .25)}.skd-step-num{display:inline-flex;align-items:center;justify-content:center;width:56px;height:56px;background:var(--navy-darker);color:var(--gold);font-family:'Barlow',sans-serif;font-size:26px;font-weight:900;margin-bottom:24px;letter-spacing:-.02em}.skd-step h3{font-family:'Barlow',sans-serif;font-size:22px;font-weight:700;color:var(--text-on-light);margin-bottom:12px}.skd-step p{font-size:15px;line-height:1.65;color:var(--gray-600)}.skd-stats-bar{background:var(--navy-darker);color:var(--white);padding:56px 0;position:relative;overflow:hidden}.skd-stats-bar::before{content:'';position:absolute;top:0;left:50%;transform:translateX(-50%);width:200px;height:1px;background:linear-gradient(to right,transparent,rgb(245 166 35 / .4),transparent)}.skd-stats-bar .skd-stats-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(4,1fr);gap:32px}.skd-stats-bar .skd-stat{text-align:center;padding:0 16px;border-right:1px solid rgb(255 255 255 / .08)}.skd-stats-bar .skd-stat:last-child{border-right:0}.skd-stats-bar .skd-stat-num{font-family:'Barlow',sans-serif;font-size:clamp(36px, 4.4vw, 64px);font-weight:900;color:var(--gold);line-height:.95;letter-spacing:-.035em;margin-bottom:8px;font-feature-settings:'tnum'}.skd-stats-bar .skd-stat-lbl{font-family:'Barlow',sans-serif;font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:rgb(255 255 255 / .65);line-height:1.4}.skd-tsue{background:var(--white);padding:110px 0;position:relative}.skd-tsue-inner{max-width:900px;margin:0 auto;padding:0 var(--pad);position:relative}.skd-tsue-tag{display:inline-flex;align-items:center;gap:14px;margin-bottom:24px}.skd-tsue-tag-strong{font-family:'Barlow',sans-serif;font-size:11px;font-weight:800;letter-spacing:.2em;text-transform:uppercase;color:var(--accent-on-light);padding:6px 12px;background:rgb(245 166 35 / .12);border-left:3px solid var(--gold)}.skd-tsue-date{font-family:'Barlow',sans-serif;font-size:13px;font-weight:600;color:var(--gray-600)}.skd-tsue h2{font-size:clamp(32px, 4.2vw, 54px);font-weight:800;color:var(--text-on-light);letter-spacing:-.028em;margin-bottom:32px;line-height:1.05;text-align:left;max-width:22ch}.skd-tsue-text{font-size:18px;line-height:1.7;color:var(--text-dark);margin-bottom:32px}.skd-tsue-text strong{color:var(--text-on-light);font-weight:700}.skd-tsue-quote{position:relative;padding:32px 40px;background:var(--gray-50);border-left:4px solid var(--gold);font-size:18px;line-height:1.65;color:var(--text-on-light);font-family:'Inter',sans-serif;font-style:italic;margin:0}.skd-tsue-quote::before{content:'"';position:absolute;top:-8px;left:24px;font-family:'Barlow',sans-serif;font-size:80px;font-weight:900;color:var(--gold);line-height:1}.skd-tsue-quote-text{padding-left:12px;margin:0}.skd-explainer{background:var(--gray-50);padding:96px 0}.skd-explainer .skd-explainer-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:1.2fr 1fr;gap:64px;align-items:center}.skd-explainer-text .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-explainer-text .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-explainer-text h2{font-size:clamp(28px, 3.2vw, 44px);font-weight:800;color:var(--text-on-light);letter-spacing:-.022em;margin:0 0 28px;text-align:left;max-width:100%}.skd-explainer-text h2 .accent{color:var(--gold)}.skd-explainer-text p{font-size:16px;line-height:1.7;color:var(--text-dark);margin-bottom:20px}.skd-explainer-text p strong{color:var(--text-on-light);font-weight:700}.skd-compare{background:var(--navy-darker);color:var(--white);padding:36px 32px;border-top:4px solid var(--gold);position:relative}.skd-compare .skd-compare-label{font-family:'Barlow',sans-serif;font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:24px;background:none;padding:0;border:0}.skd-compare .skd-compare-row{display:flex;justify-content:space-between;align-items:baseline;padding:16px 0;border-bottom:1px solid rgb(255 255 255 / .08);margin:0;background:none}.skd-compare .skd-compare-row:last-of-type{border-bottom:0}.skd-compare .skd-compare-row-label{font-family:'Inter',sans-serif;font-size:14px;color:rgb(255 255 255 / .65)}.skd-compare .skd-compare-row-value{font-family:'Barlow',sans-serif;font-weight:700;font-size:22px;color:var(--white);font-feature-settings:'tnum'}.skd-compare .skd-compare-row-strike .skd-compare-row-value{text-decoration:line-through;color:rgb(255 255 255 / .55)}.skd-compare .skd-compare-row-win{background:rgb(245 166 35 / .1);margin:8px -16px 0;padding:20px 16px;border:1px solid rgb(245 166 35 / .3)}.skd-compare .skd-compare-row-win .skd-compare-row-label{color:var(--gold);font-family:'Barlow',sans-serif;font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase}.skd-compare .skd-compare-row-win .skd-compare-row-value{color:var(--gold);font-size:32px;font-weight:900}.skd-compare .skd-compare-note{margin-top:20px;font-size:12px;color:rgb(255 255 255 / .45);line-height:1.55}.skd-qualify{background:var(--white);padding:96px 0}.skd-qualify-inner{max-width:760px;margin:0 auto;padding:0 var(--pad)}.skd-qualify .skd-qualify-list{list-style:none;padding:0;margin:32px 0 32px}.skd-qualify .skd-qualify-list li{display:flex;align-items:center;gap:20px;padding:18px 0;border-bottom:1px solid var(--gray-100);font-size:17px;color:var(--text-on-light);font-weight:500}.skd-qualify .skd-qualify-list li svg{width:28px;height:28px;flex-shrink:0;padding:4px;background:rgb(46 125 50 / .1);color:var(--success,#2E7D32);border-radius:50%}.skd-qualify-warning{display:flex;gap:16px;padding:24px;background:rgb(245 166 35 / .1);border-left:4px solid var(--gold)}.skd-qualify-warning svg{width:28px;height:28px;color:var(--gold);flex-shrink:0}.skd-qualify-warning-text{font-size:15px;line-height:1.65;color:var(--text-on-light)}.skd-qualify-warning-text strong{display:block;font-family:'Barlow',sans-serif;font-weight:700;margin-bottom:4px;color:var(--text-on-light)}.skd-calculator{background:var(--gray-50);padding:96px 0}.skd-calc-inner{max-width:980px;margin:0 auto;padding:0 var(--pad)}.skd-calc-inner .section-header{margin-bottom:32px;text-align:left}.skd-calc-inner .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-calc-inner .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-calc-inner h2{font-size:clamp(28px, 3.4vw, 44px);letter-spacing:-.025em;color:var(--text-on-light);margin:0 auto;max-width:26ch}.skd-calc-box{background:var(--white);display:grid;grid-template-columns:1fr 1fr;border-top:4px solid var(--gold)}.skd-calc-inputs{padding:40px;border-right:1px solid var(--gray-100)}.skd-calc-field{margin-bottom:24px}.skd-calc-field:last-child{margin-bottom:0}.skd-calc-field label{display:block;font-family:'Barlow',sans-serif;font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--text-on-light);margin-bottom:10px}.skd-calc-field input{width:100%;padding:14px 16px;border:1px solid var(--gray-100);font-family:'Inter',sans-serif;font-size:15px;color:var(--text-on-light);outline:none;transition:border-color 0.2s ease;background:var(--gray-50)}.skd-calc-field input:focus{border-color:var(--gold);background:var(--white)}.skd-calc-result{background:var(--navy-darker);color:var(--white);padding:40px;display:flex;flex-direction:column;justify-content:center}.skd-calc-result-label{font-family:'Barlow',sans-serif;font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:rgb(255 255 255 / .55);margin-bottom:14px}.skd-calc-result-value{font-family:'Barlow',sans-serif;font-size:56px;font-weight:900;color:var(--gold);line-height:.95;letter-spacing:-.03em;margin-bottom:14px;font-feature-settings:'tnum'}.skd-calc-result-note{font-size:13px;line-height:1.5;color:rgb(255 255 255 / .55);margin-bottom:28px}.skd-calc-result .btn{align-self:flex-start}.skd-errors{background:var(--white);padding:110px 0}.skd-errors-container{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad)}.skd-errors-container .section-header{margin-bottom:40px}.skd-errors-container .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-errors-container .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-error-hero{position:relative;background:var(--navy-darker);color:var(--white);padding:60px 56px;margin-bottom:24px;overflow:hidden;border-top:3px solid var(--gold)}.skd-error-hero-num{position:absolute;top:8px;right:-20px;font-family:'Barlow',sans-serif;font-size:420px;font-weight:900;color:rgb(245 166 35 / .05);line-height:.85;letter-spacing:-.06em;pointer-events:none;user-select:none}.skd-error-hero-pin{display:inline-flex;align-items:center;gap:10px;margin-bottom:24px;padding:6px 14px;background:rgb(245 166 35 / .15);border:1px solid rgb(245 166 35 / .4);font-family:'Barlow',sans-serif;font-size:11px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);position:relative;z-index:2}.skd-error-hero-pin::before{content:'';width:8px;height:8px;background:var(--gold);border-radius:50%;animation:skd-pulse 2s ease-in-out infinite}.skd-error-hero h3{font-family:'Barlow',sans-serif;font-size:clamp(28px, 3.6vw, 42px);font-weight:800;letter-spacing:-.022em;color:var(--white);margin-bottom:20px;max-width:16ch;position:relative;z-index:2}.skd-error-hero-desc{position:relative;z-index:2;font-size:17px;line-height:1.7;color:rgb(255 255 255 / .85);max-width:56ch;margin-bottom:24px}.skd-error-hero-desc strong{color:var(--gold);font-weight:700}.skd-error-hero-example{position:relative;z-index:2;margin-top:28px;padding:20px 24px;background:rgb(255 255 255 / .04);border-left:2px solid var(--gold);max-width:600px;font-size:14px;line-height:1.6;color:rgb(255 255 255 / .75)}.skd-error-hero-example strong{display:block;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:6px;font-weight:700}.skd-errors-small{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.skd-error-small{background:var(--white);border:1px solid var(--gray-100);padding:28px 24px;position:relative;transition:transform 0.3s ease,border-color 0.2s ease,box-shadow 0.3s ease}.skd-error-small:hover{transform:translateY(-4px);border-color:rgb(245 166 35 / .4);box-shadow:0 12px 32px rgb(0 0 0 / .06)}.skd-error-small-num{font-family:'Barlow',sans-serif;font-size:36px;font-weight:900;color:var(--gold);line-height:.9;letter-spacing:-.03em;margin-bottom:16px;font-feature-settings:'tnum'}.skd-error-small h4{font-family:'Barlow',sans-serif;font-size:17px;font-weight:700;color:var(--text-on-light);margin-bottom:10px;letter-spacing:-.01em;line-height:1.25}.skd-error-small p{font-size:13.5px;line-height:1.55;color:var(--gray-600)}.skd-errors-footer{margin-top:56px;text-align:center;font-family:'Barlow',sans-serif;font-size:18px;font-weight:700;color:var(--text-on-light);letter-spacing:-.01em}.skd-errors-footer .accent{color:var(--accent-on-light)}.skd-models{background:var(--white);padding:96px 0}.skd-models .section-header{max-width:var(--maxw);margin:0 auto 56px;padding:0 var(--pad);text-align:left}.skd-models .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-models .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-models h2{font-size:clamp(28px, 3.4vw, 44px);letter-spacing:-.025em;color:var(--text-on-light);margin:0 auto 16px 0;max-width:26ch}.skd-models .section-intro{font-size:17px;line-height:1.7;color:var(--gray-600);max-width:680px;margin:16px auto 0;margin-left:0}.skd-models-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.skd-model-card{background:var(--white);border:1px solid var(--gray-100);padding:40px 32px;position:relative;display:flex;flex-direction:column;transition:border-color 0.2s,box-shadow 0.3s ease,transform 0.3s ease}.skd-model-card:hover{transform:translateY(-4px);border-color:rgb(245 166 35 / .4);box-shadow:0 12px 32px rgb(0 0 0 / .06)}.skd-model-card-num{font-family:'Barlow',sans-serif;font-size:56px;font-weight:800;color:rgb(245 166 35 / .18);line-height:.9;letter-spacing:-.04em;position:absolute;top:24px;right:32px;font-feature-settings:'tnum'}.skd-model-card-cat{font-family:'Barlow',sans-serif;font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--accent-on-light);margin-bottom:16px}.skd-model-card h3{font-family:'Barlow',sans-serif;font-size:28px;color:var(--text-on-light);margin-bottom:16px;font-weight:800;letter-spacing:-.015em;line-height:1.1}.skd-model-card .desc{font-size:15px;line-height:1.65;color:var(--text-dark);margin-bottom:20px}.skd-model-card .for-who{font-size:14px;line-height:1.6;color:var(--gray-600);padding-top:20px;border-top:1px solid var(--gray-100);margin-bottom:24px;flex-grow:1}.skd-model-card .for-who strong{display:block;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--text-on-light);margin-bottom:8px;font-weight:700}.skd-model-card-footer{padding:16px 20px;background:var(--navy-darker);color:var(--gold);font-family:'Barlow',sans-serif;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;text-align:center}.skd-timeline{background:var(--gray-50);padding:96px 0}.skd-timeline .section-header{max-width:var(--maxw);margin:0 auto 56px;padding:0 var(--pad);text-align:left}.skd-timeline .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-timeline .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-timeline h2{font-size:clamp(28px, 3.4vw, 44px);letter-spacing:-.025em;color:var(--text-on-light);margin:0 auto 16px 0;max-width:26ch}.skd-timeline .section-intro{font-size:17px;line-height:1.7;color:var(--gray-600);max-width:680px;margin:16px auto 0;margin-left:0}.skd-timeline-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(5,1fr);gap:16px;position:relative}.skd-timeline-grid::before{content:'';position:absolute;top:48px;left:calc(var(--pad) + 12%);right:calc(var(--pad) + 12%);height:2px;background:linear-gradient(to right,rgb(245 166 35 / .2),rgb(245 166 35 / .55),rgb(245 166 35 / .55),rgb(245 166 35 / .55),rgb(245 166 35 / .2));z-index:0}.skd-timeline-step{position:relative;z-index:1;background:var(--white);border:1px solid var(--gray-100);padding:28px 22px;display:flex;flex-direction:column}.skd-timeline-step-dot{position:absolute;top:-8px;left:22px;width:16px;height:16px;background:var(--gold);border-radius:50%;border:4px solid var(--gray-50)}.skd-timeline-step-num{font-family:'Barlow',sans-serif;font-size:36px;font-weight:900;color:var(--gold);line-height:.9;letter-spacing:-.035em;margin:18px 0 6px;font-feature-settings:'tnum'}.skd-timeline-step-time{font-family:'Barlow',sans-serif;font-size:10px;letter-spacing:.16em;text-transform:uppercase;color:var(--gray-600);margin-bottom:10px;font-weight:700}.skd-timeline-step h4{font-family:'Barlow',sans-serif;font-size:16px;color:var(--text-on-light);margin-bottom:8px;font-weight:700;letter-spacing:-.01em}.skd-timeline-step p{font-size:13px;line-height:1.5;color:var(--gray-600)}.skd-cases{background:var(--white);padding:110px 0}.skd-cases .section-header{max-width:var(--maxw);margin:0 auto 56px;padding:0 var(--pad);text-align:left}.skd-cases .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-cases .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-cases h2{font-size:clamp(28px, 3.4vw, 44px);letter-spacing:-.025em;color:var(--text-on-light);margin:0 auto 16px 0;max-width:26ch}.skd-cases .section-intro{font-size:17px;line-height:1.7;color:var(--gray-600);max-width:680px;margin:16px auto 0;margin-left:0}.skd-cases-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.skd-case{background:var(--gray-50);padding:40px 32px;position:relative;border-top:3px solid var(--gold);display:flex;flex-direction:column;transition:background 0.2s,box-shadow 0.3s,transform 0.3s}.skd-case:hover{background:var(--white);box-shadow:0 16px 40px rgb(0 0 0 / .06);transform:translateY(-4px)}.skd-case-bank{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-on-light);margin-bottom:16px}.skd-case-bank::before{content:'';width:18px;height:2px;background:var(--gold)}.skd-case h3{font-family:'Barlow',sans-serif;font-size:22px;color:var(--text-on-light);margin-bottom:18px;font-weight:800;letter-spacing:-.015em;line-height:1.2}.skd-case-numbers{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0;padding:16px 0;border-top:1px solid var(--gray-100);border-bottom:1px solid var(--gray-100)}.skd-case-num-item{display:flex;flex-direction:column}.skd-case-num-item .k{font-family:'Barlow',sans-serif;font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:var(--gray-600);margin-bottom:4px;font-weight:600}.skd-case-num-item .v{font-family:'Barlow',sans-serif;font-size:22px;font-weight:800;color:var(--text-on-light);letter-spacing:-.02em;font-feature-settings:'tnum'}.skd-case-num-item.win .v{color:var(--success,#2E7D32)}.skd-case-desc{font-size:14px;line-height:1.65;color:var(--text-dark);margin-bottom:16px;flex-grow:1}.skd-case-result{padding:16px 20px;background:rgb(46 125 50 / .08);border-left:3px solid var(--success,#2E7D32);font-family:'Barlow',sans-serif;font-size:13px;font-weight:700;color:var(--success,#2E7D32);letter-spacing:.02em}.skd-why-us{background:var(--gray-50);padding:96px 0}.skd-why-us .section-header{max-width:var(--maxw);margin:0 auto 56px;padding:0 var(--pad);text-align:left}.skd-why-us .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-why-us .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-why-us h2{font-size:clamp(28px, 3.4vw, 44px);letter-spacing:-.025em;color:var(--text-on-light);margin:0 auto 16px 0;max-width:26ch}.skd-why-us .section-intro{font-size:17px;line-height:1.7;color:var(--gray-600);max-width:680px;margin:16px auto 0;margin-left:0}.skd-why-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.skd-why-card{background:var(--white);padding:32px;display:grid;grid-template-columns:56px 1fr;gap:24px;align-items:start;border:1px solid var(--gray-100);transition:border-color 0.2s,transform 0.3s,box-shadow 0.3s}.skd-why-card:hover{transform:translateY(-3px);border-color:rgb(245 166 35 / .35);box-shadow:0 10px 26px rgb(0 0 0 / .05)}.skd-why-card-icon{width:56px;height:56px;background:var(--navy-darker);color:var(--gold);display:flex;align-items:center;justify-content:center}.skd-why-card-icon svg{width:28px;height:28px}.skd-why-card h3{font-family:'Barlow',sans-serif;font-size:19px;color:var(--text-on-light);margin-bottom:8px;font-weight:700;letter-spacing:-.01em}.skd-why-card p{font-size:14px;line-height:1.65;color:var(--gray-600)}.skd-why-card p strong{color:var(--text-on-light);font-weight:700}.skd-testimonials{background:var(--white);padding:96px 0}.skd-testimonials .section-header{max-width:var(--maxw);margin:0 auto 56px;padding:0 var(--pad);text-align:left}.skd-testimonials .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-testimonials .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-testimonials h2{font-size:clamp(28px, 3.4vw, 44px);letter-spacing:-.025em;color:var(--text-on-light);margin:0 auto 16px 0;max-width:26ch}.skd-testimonials-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.skd-testimonial{background:var(--gray-50);padding:36px 32px;position:relative;display:flex;flex-direction:column}.skd-testimonial::before{content:'"';position:absolute;top:12px;right:28px;font-family:'Barlow',sans-serif;font-size:84px;font-weight:900;color:rgb(245 166 35 / .25);line-height:1;pointer-events:none}.skd-testimonial-quote{font-size:16px;line-height:1.7;color:var(--text-dark);margin-bottom:24px;font-style:italic;flex-grow:1;position:relative;z-index:1}.skd-testimonial-author{display:flex;align-items:center;gap:16px;padding-top:20px;border-top:1px solid var(--gray-100)}.skd-testimonial-avatar{width:44px;height:44px;background:var(--navy-darker);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Barlow',sans-serif;font-size:18px;font-weight:800}.skd-testimonial-meta{display:flex;flex-direction:column}.skd-testimonial-name{font-family:'Barlow',sans-serif;font-size:14px;font-weight:700;color:var(--text-on-light)}.skd-testimonial-loc{font-size:12px;color:var(--gray-600)}.skd-knowledge{background:var(--gray-50);padding:96px 0}.skd-knowledge .section-header{max-width:var(--maxw);margin:0 auto 56px;padding:0 var(--pad);text-align:left}.skd-knowledge .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-knowledge .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-knowledge h2{font-size:clamp(28px, 3.4vw, 44px);letter-spacing:-.025em;color:var(--text-on-light);margin:0 auto 16px 0;max-width:26ch}.skd-knowledge .section-intro{font-size:17px;line-height:1.7;color:var(--gray-600);max-width:680px;margin:16px auto 0;margin-left:0}.skd-knowledge-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.skd-knowledge-card{background:var(--white);display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:transform 0.3s,box-shadow 0.3s;border:1px solid var(--gray-100)}.skd-knowledge-card:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgb(0 0 0 / .07)}.skd-knowledge-card-image{width:100%;height:180px;background-size:cover;background-position:center;background-color:var(--text-on-light);position:relative}.skd-knowledge-card-image::after{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold)}.skd-knowledge-card-body{padding:28px;display:flex;flex-direction:column;flex-grow:1}.skd-knowledge-card-tag{font-family:'Barlow',sans-serif;font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-on-light);font-weight:700;margin-bottom:10px}.skd-knowledge-card h3{font-family:'Barlow',sans-serif;font-size:19px;color:var(--text-on-light);margin-bottom:12px;font-weight:700;letter-spacing:-.01em;line-height:1.3;flex-grow:1}.skd-knowledge-card-meta{display:flex;justify-content:space-between;align-items:center;font-family:'Barlow',sans-serif;font-size:12px;color:var(--gray-600);font-weight:600}.skd-knowledge-card-meta .more{display:inline-flex;align-items:center;gap:6px;color:var(--gold);letter-spacing:.06em;text-transform:uppercase}.skd-knowledge-card:hover .skd-knowledge-card-meta .more{text-decoration:underline}.skd-legal{background:var(--navy-darker);color:var(--white);padding:96px 0;position:relative;overflow:hidden}.skd-legal::before{content:'';position:absolute;top:0;right:-10%;width:40%;height:100%;background:linear-gradient(45deg,transparent,rgb(245 166 35 / .04),transparent);pointer-events:none}.skd-legal-inner{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);position:relative}.skd-legal .section-header{text-align:left;margin-left:0;padding:0;margin-bottom:48px}.skd-legal .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-legal .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-legal h2{font-size:clamp(28px, 3.4vw, 44px);letter-spacing:-.025em;color:var(--white);text-align:left;max-width:28ch;margin:0 0 16px}.skd-legal .section-intro{font-size:17px;line-height:1.7;color:rgb(255 255 255 / .65);margin-left:0;max-width:600px}.skd-legal-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.skd-legal-card{background:rgb(255 255 255 / .04);border-left:3px solid var(--gold);padding:28px 32px;transition:background 0.2s}.skd-legal-card:hover{background:rgb(255 255 255 / .06)}.skd-legal-card-tag{font-family:'Barlow',sans-serif;font-size:10px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:10px}.skd-legal-card h4{font-family:'Barlow',sans-serif;font-size:19px;color:var(--white);margin-bottom:12px;font-weight:700;letter-spacing:-.01em}.skd-legal-card p{font-size:14px;line-height:1.65;color:rgb(255 255 255 / .75)}.skd-legal-card p strong{color:var(--white);font-weight:700}.skd-what-next{background:var(--white);padding:96px 0}.skd-what-next .section-header{max-width:var(--maxw);margin:0 auto 56px;padding:0 var(--pad);text-align:left}.skd-what-next .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-what-next .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-what-next h2{font-size:clamp(28px, 3.4vw, 44px);letter-spacing:-.025em;color:var(--text-on-light);margin:0 auto 16px 0;max-width:26ch}.skd-what-next .section-intro{font-size:17px;line-height:1.7;color:var(--gray-600);max-width:680px;margin:16px auto 0;margin-left:0}.skd-what-next-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--gray-100);border:1px solid var(--gray-100)}.skd-what-next-step{background:var(--white);padding:36px 28px;text-align:center;position:relative}.skd-what-next-step-icon{width:64px;height:64px;background:rgb(245 166 35 / .1);color:var(--accent-on-light);display:inline-flex;align-items:center;justify-content:center;margin-bottom:20px;border-radius:50%}.skd-what-next-step-icon svg{width:28px;height:28px}.skd-what-next-step-num{font-family:'Barlow',sans-serif;font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:6px}.skd-what-next-step h4{font-family:'Barlow',sans-serif;font-size:17px;color:var(--text-on-light);margin-bottom:10px;font-weight:700}.skd-what-next-step p{font-size:13px;line-height:1.55;color:var(--gray-600)}.skd-final-cta{background:var(--navy-darker);color:var(--white);padding:100px 0;position:relative;overflow:hidden}.skd-final-cta::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 50% 50%,rgb(245 166 35 / .1),transparent 60%);pointer-events:none}.skd-final-cta-inner{max-width:900px;margin:0 auto;padding:0 var(--pad);text-align:center;position:relative}.skd-final-cta h2{font-size:clamp(32px, 4vw, 50px);color:var(--white);margin-bottom:24px;font-weight:800;letter-spacing:-.022em;line-height:1.05}.skd-final-cta h2 .accent{color:var(--gold)}.skd-final-cta-pipeline{display:flex;flex-wrap:wrap;justify-content:center;gap:8px 16px;margin:32px 0;font-family:'Barlow',sans-serif;font-size:14px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:rgb(255 255 255 / .75)}.skd-final-cta-pipeline span:not(.sep){padding:6px 12px;background:rgb(255 255 255 / .04);border-left:2px solid var(--gold)}.skd-final-cta-pipeline .sep{color:var(--gold);font-weight:900}.skd-form-section{background:var(--gray-50);padding:96px 0}.skd-faq{background:var(--white);padding:96px 0}.skd-faq .section-header{max-width:var(--maxw);margin:0 auto 56px;padding:0 var(--pad);text-align:left}.skd-faq .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-faq .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-faq h2{font-size:clamp(28px, 3.4vw, 44px);letter-spacing:-.025em;color:var(--text-on-light);margin:0 auto;max-width:26ch}.skd-sticky-cta{position:fixed;bottom:24px;right:24px;z-index:990;width:340px;background:var(--navy-darker);color:var(--white);border-top:3px solid var(--gold);box-shadow:0 20px 50px rgb(0 0 0 / .3);transform:translateY(150%);opacity:0;transition:transform 0.4s cubic-bezier(.25,.46,.45,.94),opacity 0.3s ease;pointer-events:none}.skd-sticky-cta.is-visible{transform:translateY(0);opacity:1;pointer-events:auto}.skd-sticky-cta.is-minimized{width:240px}.skd-sticky-cta.is-minimized .skd-sticky-cta-body{display:none}.skd-sticky-cta-head{display:flex;align-items:center;justify-content:space-between;padding:16px 20px;border-bottom:1px solid rgb(255 255 255 / .06);cursor:pointer}.skd-sticky-cta.is-minimized .skd-sticky-cta-head{border-bottom:0;padding:14px 20px}.skd-sticky-cta-title{display:flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-weight:800;font-size:14px;letter-spacing:.04em;text-transform:uppercase;color:var(--white)}.skd-sticky-cta-title::before{content:'';width:8px;height:8px;background:var(--gold);border-radius:50%;animation:skd-pulse 2s ease-in-out infinite}.skd-sticky-cta-close{background:#fff0;border:0;color:rgb(255 255 255 / .5);cursor:pointer;width:24px;height:24px;padding:0;display:flex;align-items:center;justify-content:center;transition:color 0.2s ease}.skd-sticky-cta-close:hover{color:var(--gold)}.skd-sticky-cta-close svg{width:16px;height:16px}.skd-sticky-cta-body{padding:18px 20px 20px}.skd-sticky-cta-pitch{font-size:13px;line-height:1.55;color:rgb(255 255 255 / .75);margin-bottom:16px}.skd-sticky-cta-pitch strong{color:var(--gold);font-weight:700}.skd-sticky-cta-form{display:flex;flex-direction:column;gap:8px}.skd-sticky-cta-form input{width:100%;padding:11px 13px;background:rgb(255 255 255 / .06);border:1px solid rgb(255 255 255 / .1);color:var(--white);font-family:'Inter',sans-serif;font-size:14px;outline:none}.skd-sticky-cta-form input::placeholder{color:rgb(255 255 255 / .4)}.skd-sticky-cta-form input:focus{border-color:var(--gold);background:rgb(245 166 35 / .05)}.skd-sticky-cta-form button{background:var(--gold);color:var(--text-on-light);border:0;padding:12px 16px;font-family:'Barlow',sans-serif;font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase;cursor:pointer;margin-top:4px;transition:background 0.2s ease}.skd-sticky-cta-form button:hover{background:var(--gold-dark)}.skd-sticky-cta-note{margin-top:10px;font-size:11px;color:rgb(255 255 255 / .4);text-align:center}@media (max-width:1100px){.skd-hero--has-image .skd-hero-image,.skd-hero--has-image .skd-hero-image-overlay{width:50%}.skd-hero-content{max-width:50%}.skd-hero-number{bottom:20px;right:20px;padding:16px 20px}.skd-hero-number-value{font-size:32px}.skd-errors-small{grid-template-columns:repeat(2,1fr)}.skd-explainer .skd-explainer-grid{grid-template-columns:1fr;gap:32px}.skd-models-grid{grid-template-columns:1fr;gap:16px}.skd-timeline-grid{grid-template-columns:repeat(2,1fr);gap:16px}.skd-timeline-grid::before{display:none}.skd-cases-grid{grid-template-columns:1fr;gap:16px}.skd-why-grid{grid-template-columns:1fr}.skd-testimonials-grid{grid-template-columns:1fr;gap:16px}.skd-knowledge-grid{grid-template-columns:1fr;gap:16px}.skd-legal-grid{grid-template-columns:1fr;gap:16px}.skd-what-next-grid{grid-template-columns:repeat(2,1fr)}.skd-sticky-cta{width:300px}}@media (max-width:880px){.skd-hero{padding:32px 0}.skd-hero--has-image .skd-hero-inner{padding-right:var(--pad)}.skd-hero--has-image .skd-hero-image{position:relative;top:auto;right:auto;bottom:auto;width:100%;height:0;padding-bottom:56.25%;margin-top:32px}.skd-hero--has-image .skd-hero-image-overlay{position:absolute;top:32px;width:100%;height:auto;background:linear-gradient(to bottom,transparent 70%,rgba(var(--navy-darker-rgb),.5) 100%)}.skd-hero-content{max-width:100%}.skd-hero-number{display:none}.skd-hero h1{font-size:36px}.skd-steps-grid{grid-template-columns:1fr}.skd-stats-bar .skd-stats-grid{grid-template-columns:repeat(2,1fr);gap:24px}.skd-stats-bar .skd-stat{border-right:0;border-bottom:1px solid rgb(255 255 255 / .08);padding-bottom:16px}.skd-calc-box{grid-template-columns:1fr}.skd-calc-inputs{border-right:0;border-bottom:1px solid var(--gray-100)}.skd-error-hero{padding:36px 28px}.skd-error-hero h3{font-size:26px}.skd-error-hero-num{font-size:260px;right:-40px}.skd-errors-small{grid-template-columns:1fr}.skd-timeline-grid{grid-template-columns:1fr}.skd-what-next-grid{grid-template-columns:1fr}.skd-why-card{grid-template-columns:48px 1fr;gap:16px;padding:24px}.skd-why-card-icon{width:48px;height:48px}.skd-final-cta-pipeline{font-size:12px}.skd-sticky-cta{bottom:0;right:0;left:0;width:100%}}.skd-banks{background:var(--gray-50);padding:80px 0}.skd-banks-inner{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);text-align:center}.skd-banks-inner .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Barlow',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:16px}.skd-banks-inner .eyebrow::before{content:'';width:24px;height:2px;background:var(--gold)}.skd-banks-inner h2{font-size:clamp(26px, 2.8vw, 38px);color:var(--text-on-light);letter-spacing:-.025em;margin:0 auto 48px;max-width:28ch}.skd-banks-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:1px;background:var(--gray-100);border:1px solid var(--gray-100)}.skd-bank-logo{background:var(--white);padding:28px 16px;display:flex;align-items:center;justify-content:center;font-family:'Barlow',sans-serif;font-weight:700;font-size:14px;color:var(--gray-600);letter-spacing:.04em;transition:color 0.2s ease,background 0.2s ease;cursor:default;min-height:80px;text-align:center}.skd-bank-logo:hover{color:var(--gold);background:var(--navy-darker)}.skd-faq .faq-wrap{max-width:880px;margin:0 auto;padding:0 var(--pad)}.skd-faq .faq-wrap details{border:1px solid var(--gray-100);padding:20px 24px;margin-bottom:12px;background:var(--white);transition:border-color 0.2s ease}.skd-faq .faq-wrap details:hover{border-color:var(--gray-300)}.skd-faq .faq-wrap details[open]{border-color:var(--gold)}.skd-faq .faq-wrap summary{font-family:'Barlow',sans-serif;font-weight:700;font-size:17px;color:var(--text-on-light);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:20px}.skd-faq .faq-wrap summary::-webkit-details-marker{display:none}.skd-faq .faq-wrap summary::after{content:'+';width:26px;height:26px;background:var(--gold);color:var(--text-on-light);display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:800;transition:transform 0.3s;flex-shrink:0}.skd-faq .faq-wrap details[open] summary::after{content:'−'}.skd-faq .faq-wrap .faq-answer{padding-top:16px;margin-top:16px;border-top:1px solid var(--gray-100);font-size:15px;line-height:1.7;color:var(--text-dark)}.skd-faq .faq-wrap .faq-answer p{margin:0 0 12px}.skd-faq .faq-wrap .faq-answer p:last-child{margin-bottom:0}.skd-faq .faq-wrap .faq-answer strong{color:var(--text-on-light);font-weight:700}.skd-sticky-cta{max-width:calc(100vw - 48px);box-sizing:border-box}@media (max-width:1100px){.skd-banks-grid{grid-template-columns:repeat(4,1fr)}}@media (max-width:880px){.skd-banks-grid{grid-template-columns:repeat(2,1fr)}.skd-bank-logo{padding:20px 12px;font-size:13px;min-height:60px}.skd-faq .faq-wrap details{padding:16px 18px}.skd-faq .faq-wrap summary{font-size:15px}}.skd-sticky-cta-consent{display:flex;align-items:flex-start;gap:8px;margin-top:10px;margin-bottom:4px;font-size:11px;line-height:1.45;color:rgb(255 255 255 / .6);cursor:pointer}.skd-sticky-cta-consent input[type="checkbox"]{width:14px;height:14px;margin:2px 0 0;flex-shrink:0;accent-color:var(--gold);cursor:pointer}.skd-sticky-cta-consent input[type="checkbox"]:not(:checked):invalid{outline:1px solid rgb(245 166 35 / .5);outline-offset:1px}.skd-sticky-cta-consent span{flex:1}.skd-sticky-cta-consent a{color:var(--gold);text-decoration:underline}.skd-sticky-cta-consent a:hover{color:var(--gold-dark)}.skd-sticky-cta-form input[type="text"]:invalid:not(:placeholder-shown),.skd-sticky-cta-form input[type="tel"]:invalid:not(:placeholder-shown){border-color:rgb(220 50 50 / .5)}.skd-steps .section-header,.skd-calc-inner .section-header,.skd-models .section-header,.skd-timeline .section-header,.skd-cases .section-header,.skd-why-us .section-header,.skd-knowledge .section-header,.skd-what-next .section-header,.skd-testimonials .section-header,.skd-qualify .section-header,.skd-banks .section-header{text-align:left}.skd-faq .section-header{text-align:left}.skd-steps .section-header .eyebrow::after,.skd-calc-inner .section-header .eyebrow::after,.skd-models .section-header .eyebrow::after,.skd-timeline .section-header .eyebrow::after,.skd-cases .section-header .eyebrow::after,.skd-why-us .section-header .eyebrow::after,.skd-knowledge .section-header .eyebrow::after,.skd-what-next .section-header .eyebrow::after,.skd-testimonials .section-header .eyebrow::after,.skd-qualify .section-header .eyebrow::after,.skd-banks .section-header .eyebrow::after{left:0;transform:none}.skd-faq .section-header .eyebrow::after{left:0;transform:none}@media (min-width:769px){.mm-cta-footer{margin:16px -8px -8px!important;padding-top:14px!important;border-top:1px solid var(--gray-100,#E5E8EE)!important}.nav-links .mm-cta-footer-link,.mm-cta-footer-link{display:flex!important;align-items:center!important;gap:14px!important;width:100%!important;padding:14px 18px!important;background:linear-gradient(135deg,rgb(245 166 35 / .06) 0%,rgb(245 166 35 / .03) 100%)!important;border:1px solid rgb(245 166 35 / .18)!important;border-radius:8px!important;text-decoration:none!important;color:var(--navy-darker,#0F2350)!important;font-family:'Barlow',sans-serif!important;font-size:14px!important;font-weight:600!important;letter-spacing:0!important;text-transform:none!important;transition:background 0.18s ease,transform 0.12s ease,box-shadow 0.18s ease,border-color 0.18s ease!important;position:relative!important;overflow:hidden!important}.mm-cta-footer-link::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--gold,#F5A623);transform:scaleY(.5);transform-origin:center;transition:transform 0.2s ease;border-top-left-radius:8px;border-bottom-left-radius:8px}.nav-links .mm-cta-footer-link:hover,.nav-links .mm-cta-footer-link:focus-visible,.mm-cta-footer-link:hover,.mm-cta-footer-link:focus-visible{background:linear-gradient(135deg,rgb(245 166 35 / .1) 0%,rgb(245 166 35 / .05) 100%)!important;color:var(--navy-darker,#0F2350)!important;transform:translateY(-1px)!important;box-shadow:0 4px 14px rgb(245 166 35 / .15)!important;outline:none!important;border-color:rgb(245 166 35 / .35)!important}.mm-cta-footer-link:hover::before,.mm-cta-footer-link:focus-visible::before{transform:scaleY(1)}.nav-links .mm-cta-footer-link:focus-visible,.mm-cta-footer-link:focus-visible{box-shadow:0 4px 14px rgb(245 166 35 / .15),0 0 0 2px var(--gold,#F5A623)!important}.mm-cta-footer-logo{flex-shrink:0;display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px}.mm-cta-footer-logo img{display:block!important;width:100%;height:100%;object-fit:contain}.mm-cta-footer-icon{display:none!important}.mm-cta-footer-text{flex:1!important;text-align:left!important;line-height:1.3!important;color:var(--navy-darker,#0F2350)!important;padding-left:0;border-left:none;display:flex!important;flex-direction:column!important;gap:2px!important}.mm-cta-footer-title{font-weight:700!important;font-size:14px!important;color:var(--navy-darker,#0F2350)!important;letter-spacing:-0.005em!important}.mm-cta-footer-sub{font-weight:500!important;font-size:12.5px!important;color:var(--gray-600,#595E66)!important;letter-spacing:0!important}.mm-cta-footer-arrow{flex-shrink:0!important;color:var(--gold,#F5A623)!important;transition:transform 0.2s ease!important}.mm-cta-footer-link:hover .mm-cta-footer-arrow{transform:translateX(4px)!important}}@media (max-width:768px){.mm-cta-footer{margin:12px 0 0!important;padding-top:12px!important;border-top:1px solid rgb(255 255 255 / .1)!important}.mm-cta-footer-link{display:flex!important;align-items:center!important;gap:12px!important;width:100%!important;padding:14px 16px!important;background:rgb(245 166 35 / .08)!important;border:1px solid rgb(245 166 35 / .25)!important;border-radius:8px!important;text-decoration:none!important;color:var(--white,#FFFFFF)!important;font-family:'Barlow',sans-serif!important;font-size:14px!important;font-weight:600!important;letter-spacing:0!important;text-transform:none!important}.mm-cta-footer-logo{flex-shrink:0;display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px}.mm-cta-footer-logo img{display:block!important;width:100%;height:100%;object-fit:contain}.mm-cta-footer-text{flex:1!important;display:flex!important;flex-direction:column!important;gap:2px!important;line-height:1.3!important}.mm-cta-footer-title{font-weight:700!important;font-size:14px!important;color:var(--white,#FFFFFF)!important}.mm-cta-footer-sub{font-weight:500!important;font-size:12px!important;color:rgb(255 255 255 / .75)!important}.mm-cta-footer-link:active{background:rgb(245 166 35 / .18)!important}}.faq-hero{padding-bottom:24px}.faq-section{padding-top:24px}.faq-search{max-width:760px;margin:0 auto 32px}.faq-search-inner{position:relative;display:flex;align-items:center;background:var(--white);border:1px solid var(--gray-100);border-radius:10px;transition:border-color 0.2s ease,box-shadow 0.2s ease}.faq-search-inner:focus-within{border-color:var(--gold);box-shadow:0 0 0 3px rgb(245 166 35 / .15)}.faq-search-icon{width:18px;height:18px;color:var(--gray-600);margin-left:16px;flex-shrink:0}.faq-search-input{flex:1;border:none;background:#fff0;padding:14px 14px;font-family:'Barlow',sans-serif;font-size:15px;color:var(--text-on-light);outline:none;min-width:0}.faq-search-input::placeholder{color:var(--gray-600)}.faq-search-clear{background:none;border:none;cursor:pointer;padding:8px;margin-right:8px;color:var(--gray-600);display:inline-flex;align-items:center;border-radius:6px;transition:background 0.15s,color 0.15s}.faq-search-clear svg{width:16px;height:16px}.faq-search-clear:hover{background:var(--gray-100);color:var(--text-on-light)}.faq-search-meta{text-align:center;margin:10px 0 0;font-size:13px;color:var(--gray-600)}.faq-layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:36px;align-items:start}.faq-sidebar{position:sticky;top:96px}.faq-sidebar-inner{background:var(--white);border:1px solid var(--gray-100);border-radius:10px;padding:16px 0 8px}.faq-sidebar-title{font-family:'Barlow',sans-serif;font-size:11px;font-weight:600;color:var(--gray-600);text-transform:uppercase;letter-spacing:.08em;margin:0 16px 12px}.faq-sidebar-nav{display:flex;flex-direction:column}.faq-sidebar-item{display:flex;align-items:center;gap:10px;padding:10px 16px;font-family:'Barlow',sans-serif;font-size:14px;font-weight:500;color:var(--text-on-light);text-decoration:none;border-left:3px solid #fff0;transition:background 0.15s,border-color 0.15s,color 0.15s}.faq-sidebar-item:hover{background:var(--gray-50);color:var(--accent-on-light)}.faq-sidebar-item.is-active{background:rgb(245 166 35 / .08);border-left-color:var(--gold);color:var(--text-on-light);font-weight:600}.faq-sidebar-item-icon{flex-shrink:0;display:inline-flex;width:20px;height:20px;color:var(--gold)}.faq-sidebar-item-icon svg{width:100%;height:100%}.faq-sidebar-item-label{flex:1}.faq-sidebar-item-count{font-size:11px;color:var(--gray-600);background:var(--gray-50);padding:2px 8px;border-radius:100px;font-weight:500}.faq-sidebar-item.is-active .faq-sidebar-item-count{background:rgb(245 166 35 / .18);color:var(--gold)}.faq-sidebar-cta{margin:12px 16px 4px;padding:12px 14px;background:linear-gradient(135deg,rgb(245 166 35 / .08),rgb(245 166 35 / .04));border:1px solid rgb(245 166 35 / .2);border-radius:8px}.faq-sidebar-cta-label{margin:0 0 6px;font-size:11.5px;color:var(--gray-600);line-height:1.4}.faq-sidebar-cta-phone{display:inline-flex;align-items:center;gap:6px;font-family:'Barlow',sans-serif;font-size:15px;font-weight:700;color:var(--text-on-light);text-decoration:none}.faq-sidebar-cta-phone svg{width:14px;height:14px;color:var(--gold);flex-shrink:0}.faq-sidebar-cta-phone:hover{color:var(--accent-on-light)}.faq-content{min-width:0}.faq-section .faq-list{max-width:none;margin:0}.faq-section .faq-category{margin-bottom:40px;scroll-margin-top:100px}.faq-section .faq-category-header{display:flex;align-items:center;gap:12px;margin:0 0 16px;padding-bottom:12px;border-bottom:1px solid var(--gray-100)}.faq-section .faq-category-icon{flex-shrink:0;width:36px;height:36px;background:rgb(245 166 35 / .1);border-radius:8px;display:inline-flex;align-items:center;justify-content:center;color:var(--gold)}.faq-section .faq-category-icon svg{width:18px;height:18px}.faq-section .faq-category-header h2{font-family:'Barlow',sans-serif;font-size:22px;font-weight:700;color:var(--text-on-light);margin:0;line-height:1.2}.faq-section .faq-item{border-radius:6px;margin-bottom:8px;scroll-margin-top:100px}.faq-section .faq-item.is-popular{background:linear-gradient(135deg,rgb(245 166 35 / .05),rgb(245 166 35 / .02));border-left-color:var(--gold)}.faq-section .faq-item.is-popular[open]{border-left-color:var(--gold)}.faq-section .faq-question{width:100%;padding:16px 22px;display:flex;justify-content:space-between;align-items:center;gap:14px;text-align:left;cursor:pointer;list-style:none;-webkit-tap-highlight-color:#fff0;transition:color 0.15s}.faq-section .faq-question::-webkit-details-marker{display:none}.faq-section .faq-question::marker{content:''}.faq-section .faq-q-text{flex:1;font-family:'Barlow',sans-serif;font-size:16px;font-weight:600;color:var(--text-on-light);line-height:1.4;display:flex;align-items:center;gap:10px;flex-wrap:wrap}.faq-section .faq-question:hover .faq-q-text{color:var(--accent-on-light)}.faq-popular-badge{display:inline-flex;align-items:center;gap:4px;background:rgb(245 166 35 / .15);color:#8a5a0e;font-size:11px;font-weight:600;padding:3px 10px;border-radius:100px;letter-spacing:.02em;flex-shrink:0}.faq-popular-badge svg{color:var(--gold);flex-shrink:0}.faq-q-actions{display:flex;align-items:center;gap:4px;flex-shrink:0}.faq-q-share{background:none;border:none;padding:6px;cursor:pointer;color:var(--gray-300);border-radius:6px;display:inline-flex;align-items:center;opacity:0;transition:opacity 0.15s,background 0.15s,color 0.15s}.faq-q-share svg{width:14px;height:14px}.faq-section .faq-item:hover .faq-q-share,.faq-section .faq-item[open] .faq-q-share,.faq-q-share:focus-visible{opacity:1}.faq-q-share:hover{background:var(--gray-100);color:var(--text-on-light)}.faq-q-share.is-copied{opacity:1;color:var(--accent-on-light)}.faq-section .faq-toggle{display:inline-flex;width:24px;height:24px;align-items:center;justify-content:center;color:var(--gray-600);transition:transform 0.25s ease,color 0.15s}.faq-section .faq-toggle svg{width:16px;height:16px}.faq-section .faq-item[open] .faq-toggle{transform:rotate(180deg);color:var(--accent-on-light)}.faq-section .faq-answer{padding:0 22px 20px;font-size:14.5px;color:var(--gray-600);line-height:1.7}.faq-section .faq-answer p{margin:0 0 10px}.faq-section .faq-answer p:last-child{margin:0}.faq-section .faq-answer strong{color:var(--text-on-light);font-weight:600}.faq-section .faq-answer a{color:var(--accent-on-light);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:2px}.faq-section .faq-answer a:hover{text-decoration-thickness:2px}.faq-cat-cta{margin-top:18px;padding:14px 18px;background:linear-gradient(135deg,rgb(15 35 80 / .04),rgb(15 35 80 / .01));border:1px solid var(--gray-100);border-radius:8px;display:flex;justify-content:space-between;align-items:center;gap:16px}.faq-cat-cta-text{display:flex;flex-direction:column;gap:2px;flex:1;min-width:0}.faq-cat-cta-text strong{font-family:'Barlow',sans-serif;font-size:14px;font-weight:600;color:var(--text-on-light)}.faq-cat-cta-text span{font-size:12.5px;color:var(--gray-600)}.faq-cat-cta-actions{display:flex;align-items:center;gap:12px;flex-shrink:0}.faq-cat-cta-phone{display:inline-flex;align-items:center;gap:6px;font-family:'Barlow',sans-serif;font-size:14px;font-weight:700;color:var(--text-on-light);text-decoration:none;padding:6px 12px;border-radius:6px;transition:background 0.15s}.faq-cat-cta-phone:hover{background:var(--gray-100);color:var(--text-on-light)}.faq-cat-cta-phone svg{color:var(--gold)}.faq-cat-cta-write{font-family:'Barlow',sans-serif;font-size:13px;font-weight:600;color:var(--accent-on-light);text-decoration:none;white-space:nowrap}.faq-cat-cta-write:hover{text-decoration:underline}.faq-empty{background:var(--white);border:1px dashed var(--gray-100);border-radius:10px;padding:36px 24px;text-align:center;color:var(--gray-600)}.faq-empty svg{width:28px;height:28px;color:var(--gray-300);margin-bottom:10px}.faq-empty-title{margin:0 0 4px;font-family:'Barlow',sans-serif;font-size:15px;font-weight:600;color:var(--text-on-light)}.faq-empty-sub{margin:0;font-size:13.5px;color:var(--gray-600)}.faq-empty-sub a{color:var(--accent-on-light);text-decoration:underline}.faq-section .faq-item.is-hidden{display:none!important}.faq-section .faq-category.is-hidden{display:none!important}.faq-section .faq-q-text mark{background:rgb(245 166 35 / .3);color:inherit;padding:0 2px;border-radius:2px;font-weight:inherit}@media (max-width:980px){.faq-layout{grid-template-columns:200px minmax(0,1fr);gap:24px}}@media (max-width:768px){.faq-layout{display:block}.faq-sidebar{position:static;margin-bottom:24px}.faq-sidebar-inner{padding:8px 0}.faq-sidebar-title{display:none}.faq-sidebar-nav{flex-direction:row;overflow-x:auto;gap:4px;padding:0 12px 4px;-webkit-overflow-scrolling:touch;scrollbar-width:thin}.faq-sidebar-nav::-webkit-scrollbar{height:4px}.faq-sidebar-nav::-webkit-scrollbar-thumb{background:var(--gray-100);border-radius:4px}.faq-sidebar-item{flex-shrink:0;padding:8px 12px;font-size:13px;border-left:none;border-bottom:2px solid #fff0;border-radius:6px 6px 0 0;white-space:nowrap}.faq-sidebar-item.is-active{border-left-color:#fff0;border-bottom-color:var(--gold)}.faq-sidebar-item-icon{display:none}.faq-sidebar-cta{margin-top:12px}.faq-search{margin-bottom:22px}.faq-search-input{font-size:14px;padding:12px 12px}.faq-cat-cta{flex-direction:column;align-items:flex-start;gap:10px}.faq-cat-cta-actions{flex-wrap:wrap}.faq-section .faq-q-text{font-size:15px}.faq-section .faq-question{padding:14px 16px;gap:10px}.faq-section .faq-answer{padding:0 16px 16px;font-size:14px}.faq-q-share{opacity:1;color:var(--gray-300)}}.skd-explainer-text .eyebrow::before,.skd-steps .eyebrow::before,.skd-calc-inner .eyebrow::before,.skd-errors-container .eyebrow::before,.skd-models .eyebrow::before,.skd-timeline .eyebrow::before,.skd-cases .eyebrow::before,.skd-why-us .eyebrow::before,.skd-testimonials .eyebrow::before,.skd-knowledge .eyebrow::before,.skd-legal .eyebrow::before,.skd-what-next .eyebrow::before,.skd-faq .eyebrow::before,.skd-banks-inner .eyebrow::before{display:none}.skd-overview .section-header{max-width:var(--maxw);margin:0 auto 56px;padding:0 var(--pad);text-align:left}.skd-overview .skd-overview-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(32px, 4vw, 64px)}.skd-overview-col{text-align:left}.skd-overview-icon{display:inline-flex;align-items:center;justify-content:center;width:64px;height:64px;border-radius:50%;background:var(--navy-darker);color:var(--gold);box-shadow:0 0 0 8px rgba(var(--accent-rgb),.06);margin-bottom:28px}.skd-overview-icon svg{width:28px;height:28px}.skd-overview-col h3{font-family:'Barlow',sans-serif;font-size:22px;font-weight:700;line-height:1.25;color:var(--text-on-light);margin:0 0 16px}.skd-overview-col p{font-size:15px;line-height:1.7;color:var(--gray-600);margin:0 0 14px}.skd-overview-col p:last-child{margin-bottom:0}.skd-overview-list{list-style:none;margin:0;padding:0}.skd-overview-list li{position:relative;padding-left:28px;margin-bottom:14px;font-size:15px;line-height:1.6;color:var(--gray-600)}.skd-overview-list li::before{content:'\00BB';position:absolute;left:0;top:-1px;color:var(--gold);font-weight:700;font-size:16px}.skd-overview-list li:last-child{margin-bottom:0}.skd-overview-cta{display:flex;flex-wrap:wrap;gap:16px;justify-content:center;margin-top:clamp(40px, 5vw, 64px);padding:0 var(--pad)}.skd-overview .btn-line{background:#fff0;color:var(--text-on-light);border-color:var(--navy)}.skd-overview .btn-line:hover{background:var(--navy);color:var(--white);border-color:var(--navy);transform:translateY(-2px)}@media (max-width:860px){.skd-overview .skd-overview-grid{grid-template-columns:1fr;gap:40px}}.opinie-hero{background:var(--anchor);color:var(--white);padding:clamp(64px, 9vw, 120px) 0 clamp(56px, 7vw, 96px);position:relative;overflow:hidden}.opinie-hero::before{content:'';position:absolute;top:0;left:50%;transform:translateX(-50%);width:260px;height:1px;background:linear-gradient(to right,transparent,rgba(var(--accent-rgb),.5),transparent)}.opinie-hero-inner{max-width:900px;margin:0 auto;padding:0 var(--pad);text-align:center}.opinie-hero-eyebrow{display:inline-block;font-family:'Barlow',sans-serif;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:20px}.opinie-hero h1{font-size:clamp(34px, 5vw, 60px);font-weight:900;letter-spacing:-.028em;line-height:1.05;color:var(--white);margin:0 0 22px}.opinie-hero h1 .accent{color:var(--gold)}.opinie-hero-lead{font-size:clamp(16px, 1.6vw, 19px);line-height:1.7;color:rgb(255 255 255 / .8);max-width:680px;margin:0 auto}.opinie-section{padding:clamp(48px, 6vw, 88px) 0}.opinie-filter-wrap{max-width:var(--maxw);margin:0 auto clamp(32px, 4vw, 52px);padding:0 var(--pad);text-align:center}.opinie-filter-label{font-family:'Barlow',sans-serif;font-size:13px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--gray-600);margin-bottom:16px}.opinie-filter{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}.opinie-pill{display:inline-flex;align-items:center;gap:8px;padding:10px 18px;background:var(--white);border:1.5px solid var(--gray-100);border-radius:100px;font-family:'Barlow',sans-serif;font-size:14px;font-weight:600;color:var(--text-on-light);cursor:pointer;transition:border-color 0.18s ease,background 0.18s ease,color 0.18s ease,transform 0.18s ease}.opinie-pill:hover{border-color:var(--navy);transform:translateY(-1px)}.opinie-pill.is-active{background:var(--anchor);border-color:var(--anchor);color:var(--white)}.opinie-pill-count{display:inline-flex;align-items:center;justify-content:center;min-width:22px;height:20px;padding:0 6px;border-radius:100px;background:var(--gray-50);color:var(--gray-600);font-size:12px;font-weight:700}.opinie-pill.is-active .opinie-pill-count{background:rgba(var(--accent-rgb),.22);color:var(--gold)}.opinie-counter{margin-top:16px;font-size:13px;color:var(--gray-600)}.opinie-grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad);display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:start}.opinie-card{background:var(--gray-50);border:1px solid var(--gray-100);padding:28px 26px;display:flex;flex-direction:column;position:relative}.opinie-card.is-featured{border-color:rgba(var(--accent-rgb),.45);box-shadow:0 8px 30px rgba(var(--accent-rgb),.08)}.opinie-card.is-featured::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold)}.opinie-card-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px}.opinie-stars{display:inline-flex;gap:2px}.opinie-stars svg{width:16px;height:16px}.opinie-stars svg.on{color:var(--gold)}.opinie-stars svg.off{color:var(--gray-300)}.opinie-card-g{width:18px;height:18px;opacity:.9}.opinie-card-quote{font-size:15px;line-height:1.7;color:var(--text-dark);margin:0 0 22px;flex-grow:1}.opinie-card-foot{display:flex;align-items:center;gap:14px;padding-top:18px;border-top:1px solid var(--gray-100)}.opinie-card-avatar{width:42px;height:42px;flex-shrink:0;background:var(--anchor);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Barlow',sans-serif;font-size:17px;font-weight:800;text-transform:uppercase}.opinie-card-avatar.has-img{background:none;overflow:hidden}.opinie-card-avatar.has-img img{width:100%;height:100%;object-fit:cover;display:block}.opinie-card-meta{display:flex;flex-direction:column}.opinie-card-name{font-family:'Barlow',sans-serif;font-size:14px;font-weight:700;color:var(--text-on-light)}.opinie-card-city{font-size:12px;color:var(--gray-600)}.opinie-card-tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:16px}.opinie-card-tag{font-family:'Barlow',sans-serif;font-size:11px;font-weight:600;letter-spacing:.02em;text-transform:uppercase;color:var(--navy);background:rgba(var(--navy-rgb),.07);padding:4px 10px;border-radius:100px}.opinie-empty{max-width:600px;margin:32px auto 0;padding:28px;text-align:center;color:var(--gray-600);font-size:15px;background:var(--gray-50);border:1px dashed var(--gray-300)}.opinie-source-note{max-width:var(--maxw);margin:clamp(32px, 4vw, 48px) auto 0;padding:0 var(--pad);font-size:13px;line-height:1.6;color:var(--gray-600);text-align:center}.opinie-final-eyebrow{display:inline-block;font-family:'Barlow',sans-serif;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}.opinie-final-lead{font-size:clamp(15px, 1.5vw, 18px);line-height:1.7;color:rgb(255 255 255 / .82);max-width:640px;margin:0 auto 28px}.opinie-section .btn-line{background:#fff0;color:var(--white);border-color:rgb(255 255 255 / .5)}.skd-final-cta .btn-line{background:#fff0;color:var(--white);border-color:rgb(255 255 255 / .5)}.skd-final-cta .btn-line:hover{background:var(--white);color:var(--text-on-light);border-color:var(--white);transform:translateY(-2px)}@media (max-width:1024px){.opinie-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:680px){.opinie-grid{grid-template-columns:1fr}.opinie-pill{font-size:13px;padding:9px 15px}}:root[data-palette="granat"]{--navy:#1B3A7A;--navy-dark:#0F2350;--navy-darker:#081634;--text-dark:#0F2350;--navy-rgb:27, 58, 122;--navy-dark-rgb:15, 35, 80;--navy-darker-rgb:8, 22, 52;--accent:#F5A623;--accent-dark:#D1860A;--accent-rgb:245, 166, 35;--accent-on-light:#613E04;--gold-on-light:#613E04;--cta:#F5A623;--cta-dark:#D1860A;--cta-rgb:245, 166, 35;--gold:#F5A623;--gold-dark:#D1860A;--gold-rgb:245, 166, 35;--anchor:#0F2350;--anchor-dark:#081634;--anchor-rgb:15, 35, 80;--anchor-dark-rgb:8, 22, 52;--text-on-light:#0F2350;--text-on-anchor:#FFFFFF;--text-on-accent:#081634;--text-on-cta:#081634;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}body.xaltum-palette-granat .editor-styles-wrapper{--navy:#1B3A7A;--navy-dark:#0F2350;--navy-darker:#081634;--text-dark:#0F2350;--accent:#F5A623;--accent-dark:#D1860A;--accent-on-light:#613E04;--gold-on-light:#613E04;--cta:#F5A623;--cta-dark:#D1860A;--gold:#F5A623;--gold-dark:#D1860A;--anchor:#0F2350;--anchor-dark:#081634;--text-on-light:#0F2350;--text-on-anchor:#FFFFFF;--text-on-accent:#081634;--text-on-cta:#081634}:root[data-palette="granat"][data-mode="light"]{--navy:#D4CDBA;--navy-dark:#EDE8DC;--navy-darker:#FAF7F0;--text-dark:#081634;--navy-rgb:212, 205, 186;--navy-dark-rgb:237, 232, 220;--navy-darker-rgb:250, 247, 240;--anchor:#0F2350;--anchor-dark:#081634;--anchor-rgb:15, 35, 80;--anchor-dark-rgb:8, 22, 52;--text-on-light:#081634;--text-on-anchor:#FFFFFF;--text-muted-on-light:rgba(8, 22, 52, 0.65)}body.xaltum-palette-granat.xaltum-mode-light .editor-styles-wrapper{--navy:#D4CDBA;--navy-dark:#EDE8DC;--navy-darker:#FAF7F0;--text-dark:#081634;--anchor:#0F2350;--anchor-dark:#081634;--text-on-light:#081634;--text-on-anchor:#FFFFFF}:root[data-palette="granat"][data-mode="pastel"]{--navy:#A6BAE8;--navy-dark:#ECE3D5;--navy-darker:#F1ECE4;--text-dark:#081634;--navy-rgb:166, 186, 232;--navy-dark-rgb:236, 227, 213;--navy-darker-rgb:241, 236, 228;--accent:#E8B869;--accent-dark:#E6A438;--accent-rgb:232, 184, 105;--cta:#E8BC73;--cta-dark:#E4A844;--cta-rgb:232, 188, 115;--gold:#E8B869;--gold-dark:#E6A438;--gold-rgb:232, 184, 105;--anchor:#A6BAE8;--anchor-dark:#829DD9;--anchor-rgb:166, 186, 232;--anchor-dark-rgb:130, 157, 217;--text-on-light:#081634;--text-on-anchor:#081634;--text-on-accent:#081634;--text-on-cta:#081634;--text-muted-on-light:rgba(8, 22, 52, 0.55);--text-muted-on-anchor:rgba(8, 22, 52, 0.65)}body.xaltum-palette-granat.xaltum-mode-pastel .editor-styles-wrapper{--navy:#A6BAE8;--navy-dark:#ECE3D5;--navy-darker:#F1ECE4;--text-dark:#081634;--accent:#E8B869;--accent-dark:#E6A438;--cta:#E8BC73;--cta-dark:#E4A844;--anchor:#A6BAE8;--anchor-dark:#829DD9;--text-on-light:#081634;--text-on-anchor:#081634}:root[data-palette="antracyt-miedz"]{--navy:#2E3133;--navy-dark:#151718;--navy-darker:#0B0C0D;--text-dark:#151718;--navy-rgb:46, 49, 51;--navy-dark-rgb:21, 23, 24;--navy-darker-rgb:11, 12, 13;--accent:#C98745;--accent-dark:#A2682F;--accent-rgb:201, 135, 69;--accent-on-light:#472E15;--gold-on-light:#472E15;--cta:#C98745;--cta-dark:#A2682F;--cta-rgb:201, 135, 69;--gold:#C98745;--gold-dark:#A2682F;--gold-rgb:201, 135, 69;--anchor:#151718;--anchor-dark:#0B0C0D;--anchor-rgb:21, 23, 24;--anchor-dark-rgb:11, 12, 13;--text-on-light:#151718;--text-on-anchor:#FFFFFF;--text-on-accent:#0B0C0D;--text-on-cta:#0B0C0D;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}body.xaltum-palette-antracyt-miedz .editor-styles-wrapper{--navy:#2E3133;--navy-dark:#151718;--navy-darker:#0B0C0D;--text-dark:#151718;--accent:#C98745;--accent-dark:#A2682F;--accent-on-light:#472E15;--gold-on-light:#472E15;--cta:#C98745;--cta-dark:#A2682F;--gold:#C98745;--gold-dark:#A2682F;--anchor:#151718;--anchor-dark:#0B0C0D;--text-on-light:#151718;--text-on-anchor:#FFFFFF;--text-on-accent:#0B0C0D;--text-on-cta:#0B0C0D}:root[data-palette="oliwka-miedz"]{--navy:#3E4A3F;--navy-dark:#151718;--navy-darker:#0B0C0D;--text-dark:#151718;--navy-rgb:62, 74, 63;--navy-dark-rgb:21, 23, 24;--navy-darker-rgb:11, 12, 13;--accent:#C98745;--accent-dark:#A2682F;--accent-rgb:201, 135, 69;--accent-on-light:#472E15;--gold-on-light:#472E15;--cta:#D96C3B;--cta-dark:#B45023;--cta-rgb:217, 108, 59;--gold:#C98745;--gold-dark:#A2682F;--gold-rgb:201, 135, 69;--anchor:#151718;--anchor-dark:#0B0C0D;--anchor-rgb:21, 23, 24;--anchor-dark-rgb:11, 12, 13;--text-on-light:#151718;--text-on-anchor:#FFFFFF;--text-on-accent:#0B0C0D;--text-on-cta:#0B0C0D;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}body.xaltum-palette-oliwka-miedz .editor-styles-wrapper{--navy:#3E4A3F;--navy-dark:#151718;--navy-darker:#0B0C0D;--text-dark:#151718;--accent:#C98745;--accent-dark:#A2682F;--accent-on-light:#472E15;--gold-on-light:#472E15;--cta:#D96C3B;--cta-dark:#B45023;--gold:#C98745;--gold-dark:#A2682F;--anchor:#151718;--anchor-dark:#0B0C0D;--text-on-light:#151718;--text-on-anchor:#FFFFFF;--text-on-accent:#0B0C0D;--text-on-cta:#0B0C0D}:root[data-palette="burgund-miedz"]{--navy:#5A1F2B;--navy-dark:#181818;--navy-darker:#0E0E0E;--text-dark:#181818;--navy-rgb:90, 31, 43;--navy-dark-rgb:24, 24, 24;--navy-darker-rgb:14, 14, 14;--accent:#B87333;--accent-dark:#885526;--accent-rgb:184, 115, 51;--accent-on-light:#2C1C0C;--gold-on-light:#2C1C0C;--cta:#B87333;--cta-dark:#885526;--cta-rgb:184, 115, 51;--gold:#B87333;--gold-dark:#885526;--gold-rgb:184, 115, 51;--anchor:#181818;--anchor-dark:#0E0E0E;--anchor-rgb:24, 24, 24;--anchor-dark-rgb:14, 14, 14;--text-on-light:#181818;--text-on-anchor:#FFFFFF;--text-on-accent:#0E0E0E;--text-on-cta:#0E0E0E;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}body.xaltum-palette-burgund-miedz .editor-styles-wrapper{--navy:#5A1F2B;--navy-dark:#181818;--navy-darker:#0E0E0E;--text-dark:#181818;--accent:#B87333;--accent-dark:#885526;--accent-on-light:#2C1C0C;--gold-on-light:#2C1C0C;--cta:#B87333;--cta-dark:#885526;--gold:#B87333;--gold-dark:#885526;--anchor:#181818;--anchor-dark:#0E0E0E;--text-on-light:#181818;--text-on-anchor:#FFFFFF;--text-on-accent:#0E0E0E;--text-on-cta:#0E0E0E}:root[data-palette="czern-limonka"]{--navy:#2B2B2B;--navy-dark:#111111;--navy-darker:#000000;--text-dark:#111111;--navy-rgb:43, 43, 43;--navy-dark-rgb:17, 17, 17;--navy-darker-rgb:0, 0, 0;--accent:#B8FF3C;--accent-dark:#A1FE00;--accent-rgb:184, 255, 60;--accent-on-light:#578900;--gold-on-light:#578900;--cta:#B8FF3C;--cta-dark:#A1FE00;--cta-rgb:184, 255, 60;--gold:#B8FF3C;--gold-dark:#A1FE00;--gold-rgb:184, 255, 60;--anchor:#111111;--anchor-dark:#000000;--anchor-rgb:17, 17, 17;--anchor-dark-rgb:0, 0, 0;--text-on-light:#111111;--text-on-anchor:#FFFFFF;--text-on-accent:#000000;--text-on-cta:#000000;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}body.xaltum-palette-czern-limonka .editor-styles-wrapper{--navy:#2B2B2B;--navy-dark:#111111;--navy-darker:#000000;--text-dark:#111111;--accent:#B8FF3C;--accent-dark:#A1FE00;--accent-on-light:#578900;--gold-on-light:#578900;--cta:#B8FF3C;--cta-dark:#A1FE00;--gold:#B8FF3C;--gold-dark:#A1FE00;--anchor:#111111;--anchor-dark:#000000;--text-on-light:#111111;--text-on-anchor:#FFFFFF;--text-on-accent:#000000;--text-on-cta:#000000}:root[data-palette="butelkowa-zielen"]{--navy:#2D4A3E;--navy-dark:#1B3A2E;--navy-darker:#0F2820;--text-dark:#1B3A2E;--navy-rgb:45, 74, 62;--navy-dark-rgb:27, 58, 46;--navy-darker-rgb:15, 40, 32;--accent:#C9A961;--accent-dark:#B08D3C;--accent-rgb:201, 169, 97;--accent-on-light:#59471E;--gold-on-light:#59471E;--cta:#C9A961;--cta-dark:#B08D3C;--cta-rgb:201, 169, 97;--gold:#C9A961;--gold-dark:#B08D3C;--gold-rgb:201, 169, 97;--anchor:#1B3A2E;--anchor-dark:#0F2820;--anchor-rgb:27, 58, 46;--anchor-dark-rgb:15, 40, 32;--text-on-light:#1B3A2E;--text-on-anchor:#FFFFFF;--text-on-accent:#0F2820;--text-on-cta:#0F2820;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}body.xaltum-palette-butelkowa-zielen .editor-styles-wrapper{--navy:#2D4A3E;--navy-dark:#1B3A2E;--navy-darker:#0F2820;--text-dark:#1B3A2E;--accent:#C9A961;--accent-dark:#B08D3C;--accent-on-light:#59471E;--gold-on-light:#59471E;--cta:#C9A961;--cta-dark:#B08D3C;--gold:#C9A961;--gold-dark:#B08D3C;--anchor:#1B3A2E;--anchor-dark:#0F2820;--text-on-light:#1B3A2E;--text-on-anchor:#FFFFFF;--text-on-accent:#0F2820;--text-on-cta:#0F2820}:root[data-palette="butelkowa-zielen"][data-mode="light"]{--navy:#D4CDB8;--navy-dark:#EDE9DD;--navy-darker:#FAF8F3;--text-dark:#0F2820;--navy-rgb:212, 205, 184;--navy-dark-rgb:237, 233, 221;--navy-darker-rgb:250, 248, 243;--anchor:#1B3A2E;--anchor-dark:#0F2820;--anchor-rgb:27, 58, 46;--anchor-dark-rgb:15, 40, 32;--text-on-light:#0F2820;--text-on-anchor:#FFFFFF;--text-muted-on-light:rgba(15, 40, 32, 0.65)}body.xaltum-palette-butelkowa-zielen.xaltum-mode-light .editor-styles-wrapper{--navy:#D4CDB8;--navy-dark:#EDE9DD;--navy-darker:#FAF8F3;--text-dark:#0F2820;--anchor:#1B3A2E;--anchor-dark:#0F2820;--text-on-light:#0F2820;--text-on-anchor:#FFFFFF}:root[data-palette="butelkowa-zielen"][data-mode="pastel"]{--navy:#B6D8CB;--navy-dark:#E7E3DA;--navy-darker:#EEECE7;--text-dark:#0F2820;--navy-rgb:182, 216, 203;--navy-dark-rgb:231, 227, 218;--navy-darker-rgb:238, 236, 231;--accent:#CAB586;--accent-dark:#BEA160;--accent-rgb:202, 181, 134;--cta:#CDB98E;--cta-dark:#BFA469;--cta-rgb:205, 185, 142;--gold:#CAB586;--gold-dark:#BEA160;--gold-rgb:202, 181, 134;--anchor:#B6D8CB;--anchor-dark:#96C5B3;--anchor-rgb:182, 216, 203;--anchor-dark-rgb:150, 197, 179;--text-on-light:#0F2820;--text-on-anchor:#0F2820;--text-on-accent:#0F2820;--text-on-cta:#0F2820;--text-muted-on-light:rgba(15, 40, 32, 0.55);--text-muted-on-anchor:rgba(15, 40, 32, 0.65)}body.xaltum-palette-butelkowa-zielen.xaltum-mode-pastel .editor-styles-wrapper{--navy:#B6D8CB;--navy-dark:#E7E3DA;--navy-darker:#EEECE7;--text-dark:#0F2820;--accent:#CAB586;--accent-dark:#BEA160;--cta:#CDB98E;--cta-dark:#BFA469;--anchor:#B6D8CB;--anchor-dark:#96C5B3;--text-on-light:#0F2820;--text-on-anchor:#0F2820}:root[data-palette="bordo-kosc"]{--navy:#5C1A2B;--navy-dark:#3A1219;--navy-darker:#2B0E13;--text-dark:#3A1219;--navy-rgb:92, 26, 43;--navy-dark-rgb:58, 18, 25;--navy-darker-rgb:43, 14, 19;--accent:#C9A961;--accent-dark:#B08D3C;--accent-rgb:201, 169, 97;--accent-on-light:#59471E;--gold-on-light:#59471E;--cta:#5C1A2B;--cta-dark:#2C0D15;--cta-rgb:92, 26, 43;--gold:#C9A961;--gold-dark:#B08D3C;--gold-rgb:201, 169, 97;--anchor:#3A1219;--anchor-dark:#2B0E13;--anchor-rgb:58, 18, 25;--anchor-dark-rgb:43, 14, 19;--text-on-light:#3A1219;--text-on-anchor:#FFFFFF;--text-on-accent:#2B0E13;--text-on-cta:#FFFFFF;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}body.xaltum-palette-bordo-kosc .editor-styles-wrapper{--navy:#5C1A2B;--navy-dark:#3A1219;--navy-darker:#2B0E13;--text-dark:#3A1219;--accent:#C9A961;--accent-dark:#B08D3C;--accent-on-light:#59471E;--gold-on-light:#59471E;--cta:#5C1A2B;--cta-dark:#2C0D15;--gold:#C9A961;--gold-dark:#B08D3C;--anchor:#3A1219;--anchor-dark:#2B0E13;--text-on-light:#3A1219;--text-on-anchor:#FFFFFF;--text-on-accent:#2B0E13;--text-on-cta:#FFFFFF}:root[data-palette="bordo-kosc"][data-mode="light"]{--navy:#D9CCB8;--navy-dark:#EFE9E0;--navy-darker:#FBF8F1;--text-dark:#2B0E13;--navy-rgb:217, 204, 184;--navy-dark-rgb:239, 233, 224;--navy-darker-rgb:251, 248, 241;--anchor:#3A1219;--anchor-dark:#2B0E13;--anchor-rgb:58, 18, 25;--anchor-dark-rgb:43, 14, 19;--text-on-light:#2B0E13;--text-on-anchor:#FFFFFF;--text-muted-on-light:rgba(43, 14, 19, 0.65)}body.xaltum-palette-bordo-kosc.xaltum-mode-light .editor-styles-wrapper{--navy:#D9CCB8;--navy-dark:#EFE9E0;--navy-darker:#FBF8F1;--text-dark:#2B0E13;--anchor:#3A1219;--anchor-dark:#2B0E13;--text-on-light:#2B0E13;--text-on-anchor:#FFFFFF}:root[data-palette="bordo-kosc"][data-mode="pastel"]{--navy:#E0AEB7;--navy-dark:#E7E3DA;--navy-darker:#EEECE7;--text-dark:#2B0E13;--navy-rgb:224, 174, 183;--navy-dark-rgb:231, 227, 218;--navy-darker-rgb:238, 236, 231;--accent:#CAB586;--accent-dark:#BEA160;--accent-rgb:202, 181, 134;--cta:#D18A9C;--cta-dark:#C5637C;--cta-rgb:209, 138, 156;--gold:#CAB586;--gold-dark:#BEA160;--gold-rgb:202, 181, 134;--anchor:#E0AEB7;--anchor-dark:#CF8C98;--anchor-rgb:224, 174, 183;--anchor-dark-rgb:207, 140, 152;--text-on-light:#2B0E13;--text-on-anchor:#2B0E13;--text-on-accent:#2B0E13;--text-on-cta:#2B0E13;--text-muted-on-light:rgba(43, 14, 19, 0.55);--text-muted-on-anchor:rgba(43, 14, 19, 0.65)}body.xaltum-palette-bordo-kosc.xaltum-mode-pastel .editor-styles-wrapper{--navy:#E0AEB7;--navy-dark:#E7E3DA;--navy-darker:#EEECE7;--text-dark:#2B0E13;--accent:#CAB586;--accent-dark:#BEA160;--cta:#D18A9C;--cta-dark:#C5637C;--anchor:#E0AEB7;--anchor-dark:#CF8C98;--text-on-light:#2B0E13;--text-on-anchor:#2B0E13}:root[data-palette="grafit-terakota"]{--navy:#4A453E;--navy-dark:#1F1D1A;--navy-darker:#14120F;--text-dark:#1F1D1A;--navy-rgb:74, 69, 62;--navy-dark-rgb:31, 29, 26;--navy-darker-rgb:20, 18, 15;--accent:#C2543A;--accent-dark:#93402C;--accent-rgb:194, 84, 58;--accent-on-light:#391911;--gold-on-light:#391911;--cta:#C2543A;--cta-dark:#93402C;--cta-rgb:194, 84, 58;--gold:#C2543A;--gold-dark:#93402C;--gold-rgb:194, 84, 58;--anchor:#1F1D1A;--anchor-dark:#14120F;--anchor-rgb:31, 29, 26;--anchor-dark-rgb:20, 18, 15;--text-on-light:#1F1D1A;--text-on-anchor:#FFFFFF;--text-on-accent:#FFFFFF;--text-on-cta:#FFFFFF;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}body.xaltum-palette-grafit-terakota .editor-styles-wrapper{--navy:#4A453E;--navy-dark:#1F1D1A;--navy-darker:#14120F;--text-dark:#1F1D1A;--accent:#C2543A;--accent-dark:#93402C;--accent-on-light:#391911;--gold-on-light:#391911;--cta:#C2543A;--cta-dark:#93402C;--gold:#C2543A;--gold-dark:#93402C;--anchor:#1F1D1A;--anchor-dark:#14120F;--text-on-light:#1F1D1A;--text-on-anchor:#FFFFFF;--text-on-accent:#FFFFFF;--text-on-cta:#FFFFFF}:root[data-palette="grafit-terakota"][data-mode="light"]{--navy:#D6CFC0;--navy-dark:#EAE5DC;--navy-darker:#F5F1E8;--text-dark:#14120F;--navy-rgb:214, 207, 192;--navy-dark-rgb:234, 229, 220;--navy-darker-rgb:245, 241, 232;--anchor:#1F1D1A;--anchor-dark:#14120F;--anchor-rgb:31, 29, 26;--anchor-dark-rgb:20, 18, 15;--text-on-light:#14120F;--text-on-anchor:#FFFFFF;--text-muted-on-light:rgba(20, 18, 15, 0.65)}body.xaltum-palette-grafit-terakota.xaltum-mode-light .editor-styles-wrapper{--navy:#D6CFC0;--navy-dark:#EAE5DC;--navy-darker:#F5F1E8;--text-dark:#14120F;--anchor:#1F1D1A;--anchor-dark:#14120F;--text-on-light:#14120F;--text-on-anchor:#FFFFFF}:root[data-palette="grafit-terakota"][data-mode="pastel"]{--navy:#D8BDB6;--navy-dark:#E7DCD9;--navy-darker:#EEE8E7;--text-dark:#14120F;--navy-rgb:216, 189, 182;--navy-dark-rgb:231, 220, 217;--navy-darker-rgb:238, 232, 231;--accent:#CE9183;--accent-dark:#C26F5B;--accent-rgb:206, 145, 131;--cta:#D0988B;--cta-dark:#C37765;--cta-rgb:208, 152, 139;--gold:#CE9183;--gold-dark:#C26F5B;--gold-rgb:206, 145, 131;--anchor:#D8BDB6;--anchor-dark:#B3AFA8;--anchor-rgb:216, 189, 182;--anchor-dark-rgb:179, 175, 168;--text-on-light:#14120F;--text-on-anchor:#14120F;--text-on-accent:#14120F;--text-on-cta:#14120F;--text-muted-on-light:rgba(20, 18, 15, 0.55);--text-muted-on-anchor:rgba(20, 18, 15, 0.65)}body.xaltum-palette-grafit-terakota.xaltum-mode-pastel .editor-styles-wrapper{--navy:#D8BDB6;--navy-dark:#E7DCD9;--navy-darker:#EEE8E7;--text-dark:#14120F;--accent:#CE9183;--accent-dark:#C26F5B;--cta:#D0988B;--cta-dark:#C37765;--anchor:#D8BDB6;--anchor-dark:#B3AFA8;--text-on-light:#14120F;--text-on-anchor:#14120F}:root[data-palette="granat-szampan"]{--navy:#1A2847;--navy-dark:#0A1428;--navy-darker:#050B1A;--text-dark:#0A1428;--navy-rgb:26, 40, 71;--navy-dark-rgb:10, 20, 40;--navy-darker-rgb:5, 11, 26;--accent:#B8975A;--accent-dark:#957740;--accent-rgb:184, 151, 90;--accent-on-light:#43351D;--gold-on-light:#43351D;--cta:#B8975A;--cta-dark:#957740;--cta-rgb:184, 151, 90;--gold:#B8975A;--gold-dark:#957740;--gold-rgb:184, 151, 90;--anchor:#0A1428;--anchor-dark:#050B1A;--anchor-rgb:10, 20, 40;--anchor-dark-rgb:5, 11, 26;--text-on-light:#0A1428;--text-on-anchor:#FFFFFF;--text-on-accent:#050B1A;--text-on-cta:#050B1A;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}body.xaltum-palette-granat-szampan .editor-styles-wrapper{--navy:#1A2847;--navy-dark:#0A1428;--navy-darker:#050B1A;--text-dark:#0A1428;--accent:#B8975A;--accent-dark:#957740;--accent-on-light:#43351D;--gold-on-light:#43351D;--cta:#B8975A;--cta-dark:#957740;--gold:#B8975A;--gold-dark:#957740;--anchor:#0A1428;--anchor-dark:#050B1A;--text-on-light:#0A1428;--text-on-anchor:#FFFFFF;--text-on-accent:#050B1A;--text-on-cta:#050B1A}:root[data-palette="granat-szampan"][data-mode="light"]{--navy:#D6CDBA;--navy-dark:#EDE9DF;--navy-darker:#FAF7EF;--text-dark:#050B1A;--navy-rgb:214, 205, 186;--navy-dark-rgb:237, 233, 223;--navy-darker-rgb:250, 247, 239;--anchor:#0A1428;--anchor-dark:#050B1A;--anchor-rgb:10, 20, 40;--anchor-dark-rgb:5, 11, 26;--text-on-light:#050B1A;--text-on-anchor:#FFFFFF;--text-muted-on-light:rgba(5, 11, 26, 0.65)}body.xaltum-palette-granat-szampan.xaltum-mode-light .editor-styles-wrapper{--navy:#D6CDBA;--navy-dark:#EDE9DF;--navy-darker:#FAF7EF;--text-dark:#050B1A;--anchor:#0A1428;--anchor-dark:#050B1A;--text-on-light:#050B1A;--text-on-anchor:#FFFFFF}:root[data-palette="granat-szampan"][data-mode="pastel"]{--navy:#AABDE4;--navy-dark:#E6E2DB;--navy-darker:#EDEBE8;--text-dark:#050B1A;--navy-rgb:170, 189, 228;--navy-dark-rgb:230, 226, 219;--navy-darker-rgb:237, 235, 232;--accent:#C4B18D;--accent-dark:#B59A69;--accent-rgb:196, 177, 141;--cta:#C7B594;--cta-dark:#B79E71;--cta-rgb:199, 181, 148;--gold:#C4B18D;--gold-dark:#B59A69;--gold-rgb:196, 177, 141;--anchor:#AABDE4;--anchor-dark:#87A1D4;--anchor-rgb:170, 189, 228;--anchor-dark-rgb:135, 161, 212;--text-on-light:#050B1A;--text-on-anchor:#050B1A;--text-on-accent:#050B1A;--text-on-cta:#050B1A;--text-muted-on-light:rgba(5, 11, 26, 0.55);--text-muted-on-anchor:rgba(5, 11, 26, 0.65)}body.xaltum-palette-granat-szampan.xaltum-mode-pastel .editor-styles-wrapper{--navy:#AABDE4;--navy-dark:#E6E2DB;--navy-darker:#EDEBE8;--text-dark:#050B1A;--accent:#C4B18D;--accent-dark:#B59A69;--cta:#C7B594;--cta-dark:#B79E71;--anchor:#AABDE4;--anchor-dark:#87A1D4;--text-on-light:#050B1A;--text-on-anchor:#050B1A}:root[data-palette="atrament-zolc"]{--navy:#2A2A2A;--navy-dark:#0A0A0A;--navy-darker:#000000;--text-dark:#0A0A0A;--navy-rgb:42, 42, 42;--navy-dark-rgb:10, 10, 10;--navy-darker-rgb:0, 0, 0;--accent:#D4A02A;--accent-dark:#A17920;--accent-rgb:212, 160, 42;--accent-on-light:#3F300C;--gold-on-light:#3F300C;--cta:#D4A02A;--cta-dark:#A17920;--cta-rgb:212, 160, 42;--gold:#D4A02A;--gold-dark:#A17920;--gold-rgb:212, 160, 42;--anchor:#0A0A0A;--anchor-dark:#000000;--anchor-rgb:10, 10, 10;--anchor-dark-rgb:0, 0, 0;--text-on-light:#0A0A0A;--text-on-anchor:#FFFFFF;--text-on-accent:#000000;--text-on-cta:#000000;--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}body.xaltum-palette-atrament-zolc .editor-styles-wrapper{--navy:#2A2A2A;--navy-dark:#0A0A0A;--navy-darker:#000000;--text-dark:#0A0A0A;--accent:#D4A02A;--accent-dark:#A17920;--accent-on-light:#3F300C;--gold-on-light:#3F300C;--cta:#D4A02A;--cta-dark:#A17920;--gold:#D4A02A;--gold-dark:#A17920;--anchor:#0A0A0A;--anchor-dark:#000000;--text-on-light:#0A0A0A;--text-on-anchor:#FFFFFF;--text-on-accent:#000000;--text-on-cta:#000000}:root[data-palette="atrament-zolc"][data-mode="light"]{--navy:#D0CCBE;--navy-dark:#E8E5DC;--navy-darker:#FAF8F0;--text-dark:#000000;--navy-rgb:208, 204, 190;--navy-dark-rgb:232, 229, 220;--navy-darker-rgb:250, 248, 240;--anchor:#0A0A0A;--anchor-dark:#000000;--anchor-rgb:10, 10, 10;--anchor-dark-rgb:0, 0, 0;--text-on-light:#000000;--text-on-anchor:#FFFFFF;--text-muted-on-light:rgba(0, 0, 0, 0.65)}body.xaltum-palette-atrament-zolc.xaltum-mode-light .editor-styles-wrapper{--navy:#D0CCBE;--navy-dark:#E8E5DC;--navy-darker:#FAF8F0;--text-dark:#000000;--anchor:#0A0A0A;--anchor-dark:#000000;--text-on-light:#000000;--text-on-anchor:#FFFFFF}:root[data-palette="atrament-zolc"][data-mode="pastel"]{--navy:#DCCFB2;--navy-dark:#E9E4D8;--navy-darker:#EFECE6;--text-dark:#000000;--navy-rgb:220, 207, 178;--navy-dark-rgb:233, 228, 216;--navy-darker-rgb:239, 236, 230;--accent:#D7BA7A;--accent-dark:#CFA84F;--accent-rgb:215, 186, 122;--cta:#D8BE83;--cta-dark:#CFAB59;--cta-rgb:216, 190, 131;--gold:#D7BA7A;--gold-dark:#CFA84F;--gold-rgb:215, 186, 122;--anchor:#DCCFB2;--anchor-dark:#ADADAD;--anchor-rgb:220, 207, 178;--anchor-dark-rgb:173, 173, 173;--text-on-light:#000000;--text-on-anchor:#000000;--text-on-accent:#000000;--text-on-cta:#000000;--text-muted-on-light:rgba(0, 0, 0, 0.55);--text-muted-on-anchor:rgba(0, 0, 0, 0.65)}body.xaltum-palette-atrament-zolc.xaltum-mode-pastel .editor-styles-wrapper{--navy:#DCCFB2;--navy-dark:#E9E4D8;--navy-darker:#EFECE6;--text-dark:#000000;--accent:#D7BA7A;--accent-dark:#CFA84F;--cta:#D8BE83;--cta-dark:#CFAB59;--anchor:#DCCFB2;--anchor-dark:#ADADAD;--text-on-light:#000000;--text-on-anchor:#000000}:root{--anchor:var(--navy-dark);--anchor-dark:var(--navy-darker);--anchor-rgb:var(--navy-dark-rgb);--anchor-dark-rgb:var(--navy-darker-rgb);--text-on-light:var(--navy-dark);--text-on-anchor:#FFFFFF;--text-on-accent:var(--navy-darker);--text-on-cta:var(--text-on-accent);--text-muted-on-light:var(--gray-600);--text-muted-on-anchor:rgba(255, 255, 255, 0.75)}