:root{--ink:#071017;--ink2:#0c1821;--gold:#d4a72c;--gold2:#f3c34d;--paper:#fff;--soft:#f7f6f3;--soft2:#efefec;--line:#e6e2d9;--muted:#69727a;--shadow:0 16px 45px rgba(7,16,23,.10);--radius:18px;--container:1290px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;font-size:16px}.container{width:min(var(--container),calc(100% - 48px));margin:0 auto}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button{cursor:pointer}.topbar{position:sticky;top:0;z-index:80;background:#061018;border-bottom:1px solid rgba(255,255,255,.08);box-shadow:0 8px 30px rgba(0,0,0,.16)}.nav-shell{height:78px;display:flex;align-items:center;gap:44px}.official-logo{display:flex;align-items:center;width:200px;flex:0 0 200px}.official-logo img{width:100%;height:56px;object-fit:contain;object-position:left center}.main-nav{display:flex;align-items:center;gap:34px;margin-left:18px;font-weight:750;font-size:13px;color:#fff}.main-nav a{opacity:.88;transition:.2s}.main-nav a:hover{opacity:1;color:var(--gold2)}.nav-cta{margin-left:auto;display:flex;align-items:center;gap:12px}.advisor-mini{height:46px;border:1px solid rgba(255,255,255,.25);border-radius:25px;padding:0 15px;display:flex;align-items:center;gap:9px;color:#fff}.advisor-mini svg{width:18px;height:18px}.advisor-mini span{display:grid}.advisor-mini b{font-size:10px}.advisor-mini small{font-size:8px;opacity:.65}.button{border:0;border-radius:11px;min-height:46px;padding:0 20px;display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:850;font-size:13px;transition:.2s}.button svg{width:18px;height:18px}.button-gold{background:linear-gradient(135deg,var(--gold2),var(--gold));color:#071017;box-shadow:0 8px 20px rgba(212,167,44,.22)}.button-gold:hover{transform:translateY(-1px);box-shadow:0 13px 28px rgba(212,167,44,.3)}.button-ghost{background:rgba(5,14,21,.38);color:#fff;border:1px solid rgba(255,255,255,.48);backdrop-filter:blur(8px)}.button-ghost:hover{background:rgba(255,255,255,.08)}.button-outline-dark{background:#fff;border:1px solid #9aa0a5;color:var(--ink)}.button-dark{background:var(--ink);color:#fff}.button-xl{min-height:56px;padding:0 23px;font-size:14px}.button .arrow{margin-left:2px}.hamburger{display:none;background:transparent;border:0;color:#fff;font-size:24px}.mobile-menu{display:none}.hero{position:relative;min-height:530px;overflow:hidden;background:var(--ink)}.hero-bg{position:absolute;inset:0;background:url('graphics-v5/hero-main.webp') center 44%/cover no-repeat;filter:saturate(1.08) contrast(1.05)}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,#061018 0%,rgba(6,16,24,.99) 26%,rgba(6,16,24,.90) 39%,rgba(6,16,24,.55) 56%,rgba(6,16,24,.16) 72%,rgba(6,16,24,.03) 100%)}.hero-inner{position:relative;z-index:2;min-height:530px;display:flex;align-items:center;padding:42px 0}.hero-copy{width:59%;max-width:720px}.eyebrow,.section-label{font-size:10px;letter-spacing:.23em;font-weight:900}.eyebrow{color:#fff}.hero h1{font-family:Georgia,"Times New Roman",serif;font-weight:750;font-size:75px;line-height:.90;letter-spacing:-.045em;margin:14px 0 20px;color:#fff;text-shadow:0 3px 15px rgba(0,0,0,.22)}.hero h1 span{color:var(--gold2)}.hero-copy>p{color:#fff;font-size:16px;line-height:1.55;margin:0 0 24px;max-width:610px}.hero-actions{display:flex;gap:13px;flex-wrap:wrap}.hero-proof{display:flex;gap:32px;margin-top:28px;color:#fff}.hero-proof>div{display:flex;align-items:center;gap:10px;min-width:145px}.proof-icon{color:var(--gold2);width:29px;height:29px;display:grid;place-items:center}.proof-icon svg{width:27px;height:27px}.hero-proof span:last-child{display:grid}.hero-proof b{font-size:10px}.hero-proof small{font-size:8px;color:rgba(255,255,255,.62);margin-top:2px}.coverage-badge{position:absolute;right:18px;bottom:28px;background:rgba(5,14,21,.88);border:1px solid rgba(219,177,65,.55);border-radius:14px;color:#fff;padding:13px 18px;display:flex;gap:12px;align-items:center;backdrop-filter:blur(10px);box-shadow:0 15px 30px rgba(0,0,0,.18)}.coverage-badge svg{width:25px;height:25px;color:var(--gold2)}.coverage-badge span{display:grid}.coverage-badge small{font-size:9px;color:#bfc5ca}.coverage-badge b{font-size:12px;margin-top:2px}.insurance-section{padding:60px 0 68px;background:#fff}.section-head{display:flex;justify-content:space-between;align-items:end;gap:25px;margin-bottom:26px}.section-label{display:block;color:#9a761b;margin-bottom:8px}.section-label.gold{color:var(--gold2)}.section-head h2,.choice-copy h2,.calc-intro h2,.partners-copy h2,.closing h2{font-family:Georgia,"Times New Roman",serif;letter-spacing:-.035em}.section-head h2{font-size:39px;margin:0;line-height:1.02}.text-link{color:#9b6c00;font-size:11px;font-weight:850;display:flex;align-items:center;gap:8px}.text-link svg{width:17px;height:17px}.insurance-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:15px}.insurance-card{position:relative;border:1px solid var(--line);border-radius:15px;overflow:hidden;background:#fff;box-shadow:0 11px 30px rgba(7,16,23,.06);transition:.22s}.insurance-card:hover{transform:translateY(-4px);box-shadow:0 18px 42px rgba(7,16,23,.11)}.card-photo{height:145px;overflow:hidden}.card-photo img{width:100%;height:100%;object-fit:cover;display:block;transition:.3s}.insurance-card:hover .card-photo img{transform:scale(1.025)}.card-icon{position:absolute;top:124px;left:15px;width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:#fff;border:1px solid #ded9cf;box-shadow:0 8px 18px rgba(7,16,23,.1);color:#111}.card-icon svg{width:21px;height:21px}.card-content{padding:28px 14px 17px;min-height:145px;display:flex;flex-direction:column}.card-content h3{font-size:14px;margin:0 0 6px}.card-content p{font-size:10.5px;line-height:1.45;color:var(--muted);margin:0 0 15px;min-height:31px}.card-content a,.card-content button{margin-top:auto;background:transparent;border:0;padding:0;text-align:left;font-weight:850;font-size:10.5px;color:#ae7900}.choice-section{padding:62px 0 36px;background:linear-gradient(180deg,#fbfaf7,#f5f3ee)}.choice-grid{display:grid;grid-template-columns:1.52fr .72fr;gap:42px;align-items:start}.choice-copy h2{font-size:47px;line-height:.96;margin:0 0 12px}.choice-copy .lead{color:var(--muted);font-size:13px;margin:0 0 24px}.choice-cards{display:grid;grid-template-columns:1fr 1fr;gap:16px}.choice-card{min-height:265px;border-radius:18px;padding:28px;display:flex;flex-direction:column}.choice-card.dark{background:linear-gradient(145deg,#071017,#11242f);color:#fff;box-shadow:0 20px 42px rgba(7,16,23,.16)}.choice-card.light{background:#fff;border:1px solid #ded9cf;box-shadow:0 15px 36px rgba(7,16,23,.06)}.choice-icon{width:48px;height:48px;border-radius:13px;display:grid;place-items:center;background:rgba(212,167,44,.12);color:var(--gold2);margin-bottom:17px}.choice-card.light .choice-icon{background:#f7f1df;color:#8a650b}.choice-icon svg{width:27px;height:27px}.choice-card h3{font-size:18px;margin:0 0 10px}.choice-card p{font-size:12px;line-height:1.58;margin:0 0 22px;color:rgba(255,255,255,.74)}.choice-card.light p{color:var(--muted)}.choice-card .button{margin-top:auto;align-self:flex-start}.contact-card{background:#fff;border:1px solid #ded9cf;border-radius:20px;box-shadow:0 20px 50px rgba(7,16,23,.10);overflow:hidden}.contact-card-head{padding:25px 27px 18px;border-bottom:1px solid #ece8df}.contact-card-head>span{font-size:9px;letter-spacing:.16em;color:#a07616;font-weight:900}.contact-card h3{font-family:Georgia,"Times New Roman",serif;font-size:25px;margin:6px 0 7px}.contact-card-head p{font-size:10.5px;line-height:1.45;color:var(--muted);margin:0}.contact-card form{padding:20px 27px 24px;display:grid;gap:12px}.contact-card label{font-size:9px;font-weight:800;color:#42494e;display:grid;gap:5px}.contact-card input,.contact-card select{width:100%;height:43px;border:1px solid #d7d7d4;border-radius:9px;padding:0 12px;color:var(--ink);background:#fff}.consent{display:flex!important;grid-template-columns:16px 1fr!important;align-items:start;gap:8px!important;font-weight:500!important;line-height:1.4}.consent input{width:15px!important;height:15px!important;margin:1px 0 0}.full{width:100%}.secure-note{display:flex;align-items:center;gap:8px;color:#777f86;font-size:9px}.secure-note svg{width:15px;height:15px}.form-status{font-size:10px;color:#7a5a0b;line-height:1.4}.trust-strip{margin-top:38px;border-top:1px solid #e4dfd4;padding-top:26px;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.trust-strip>div{display:flex;align-items:center;gap:11px}.trust-strip svg{width:30px;height:30px;color:#b27d04}.trust-strip span{display:grid}.trust-strip b{font-size:11px}.trust-strip small{font-size:9px;color:var(--muted);margin-top:2px}.calculators{background:var(--ink);color:#fff;padding:42px 0}.calc-shell{display:grid;grid-template-columns:285px 1fr;gap:42px;align-items:center}.calc-intro h2{font-size:36px;line-height:1.0;margin:0 0 10px}.calc-intro p{font-size:10.5px;line-height:1.55;color:#aeb6bc;margin:0}.calc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.calc-grid button{height:88px;border:1px solid rgba(255,255,255,.14);border-radius:13px;background:#101c24;color:#fff;display:flex;align-items:center;gap:11px;padding:0 16px;text-align:left;font-weight:800;font-size:10.5px;transition:.2s}.calc-grid button:hover{border-color:rgba(243,195,77,.65);background:#142731;transform:translateY(-2px)}.calc-grid svg{width:26px;height:26px;color:var(--gold2);flex:0 0 auto}.partners-section{padding:52px 0;background:#fff}.partners-grid{display:grid;grid-template-columns:360px 1fr;gap:55px;align-items:center}.partners-copy h2{font-size:36px;line-height:1.03;margin:0 0 12px}.partners-copy p{font-size:11.5px;line-height:1.65;color:var(--muted);margin:0}.wordmarks{display:grid;grid-template-columns:repeat(5,1fr);gap:25px 30px;align-items:center;text-align:center;color:#273039}.wordmarks span{font-weight:900;font-size:18px;letter-spacing:-.03em}.wordmarks span:nth-child(1){color:#006eb7}.wordmarks span:nth-child(2){color:#194a7c}.wordmarks span:nth-child(4){color:#b51f2e}.wordmarks span:nth-child(5){color:#135d8d}.wordmarks small{font-size:10px;color:#7b8389}.reviews-section{padding:30px 0 50px;background:#fff}.muted-note{font-size:10px;color:#8b9196}.reviews-placeholder{border:1px dashed #d6d0c4;border-radius:16px;background:#faf9f6;padding:30px;text-align:center}.stars{color:#d09d23;letter-spacing:.15em;font-size:15px}.reviews-placeholder h3{font-family:Georgia,"Times New Roman",serif;font-size:21px;margin:8px 0 6px}.reviews-placeholder p{font-size:11px;color:var(--muted);margin:0}.articles-section{padding:46px 0 65px;background:#f7f6f3}.articles-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.articles-grid article{background:#fff;border:1px solid #e2ded6;border-radius:15px;overflow:hidden;box-shadow:0 12px 30px rgba(7,16,23,.05)}.articles-grid img{width:100%;height:190px;object-fit:cover;display:block}.articles-grid article>div{padding:17px 18px 20px}.articles-grid span{font-size:8px;font-weight:900;letter-spacing:.14em;color:#a37409}.articles-grid h3{font-size:16px;line-height:1.35;margin:7px 0 14px}.articles-grid a{font-size:10px;font-weight:850;color:#a37409}.closing{position:relative;min-height:320px;color:#fff;overflow:hidden}.closing-bg{position:absolute;inset:0;background:url('graphics-v5/closing-main.webp') center 58%/cover no-repeat;filter:saturate(1.05) contrast(1.05)}.closing-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,13,19,.98),rgba(5,13,19,.84) 46%,rgba(5,13,19,.12) 84%)}.closing-inner{position:relative;z-index:2;min-height:320px;display:flex;justify-content:space-between;align-items:center;gap:30px}.closing h2{font-size:43px;line-height:1.02;margin:6px 0 12px}.closing p{max-width:620px;color:#d4d9dc;font-size:12.5px;line-height:1.6}.closing-actions{display:flex;gap:11px;flex-wrap:wrap}footer{background:#fff}.footer-main{min-height:115px;display:grid;grid-template-columns:240px 1fr auto;align-items:center;gap:38px}.footer-logo{width:210px;height:65px;object-fit:contain;object-position:left center}.footer-main nav{display:flex;gap:25px;font-size:10px;font-weight:800}.footer-online{display:flex;align-items:center;gap:10px;font-size:9px;color:#747b80}.footer-online svg{width:25px;height:25px;color:#a8780a}.footer-online span{display:grid}.footer-online b{color:#2b3338}.footer-bottom{border-top:1px solid #ede9e1;min-height:55px;display:flex;justify-content:space-between;align-items:center;font-size:8.5px;color:#8b9195}.mobile-bottom{display:none}.modal{display:none;position:fixed;inset:0;z-index:200}.modal.open{display:block}.modal-backdrop{position:absolute;inset:0;background:rgba(0,0,0,.65);backdrop-filter:blur(4px)}.modal-card{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:min(680px,calc(100% - 30px));background:#fff;border-radius:20px;padding:32px;box-shadow:0 30px 100px rgba(0,0,0,.35)}.modal-close{position:absolute;right:15px;top:10px;border:0;background:transparent;font-size:30px;color:#222}.modal-card h2{font-family:Georgia,"Times New Roman",serif;font-size:32px;margin:6px 0 8px}.modal-card>p{font-size:11px;color:var(--muted);line-height:1.5}.modal-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:9px;margin-top:18px}.modal-grid button{border:1px solid #ddd9d0;background:#faf8f4;border-radius:10px;padding:13px 15px;text-align:left;font-weight:800;font-size:11px}.modal-open{overflow:hidden}
@media(max-width:1100px){.main-nav{display:none}.advisor-mini{display:none}.hamburger{display:block}.insurance-grid{grid-template-columns:repeat(3,1fr)}.choice-grid{grid-template-columns:1fr}.contact-card{max-width:720px}.calc-shell,.partners-grid{grid-template-columns:1fr}.calc-grid{grid-template-columns:repeat(4,1fr)}.wordmarks{grid-template-columns:repeat(5,1fr)}}
@media(max-width:720px){body{padding-bottom:64px}.container{width:min(100% - 28px,var(--container))}.nav-shell{height:65px}.official-logo{width:150px;flex-basis:150px}.official-logo img{height:44px}.nav-cta>.button-gold{display:none}.mobile-menu.open{display:grid;background:#061018;padding:10px 18px 18px;border-top:1px solid rgba(255,255,255,.08)}.mobile-menu a{color:#fff;padding:9px 0;font-size:12px}.hero{min-height:650px}.hero-bg{background-position:68% top}.hero-overlay{background:linear-gradient(180deg,rgba(6,16,24,.18),rgba(6,16,24,.5) 42%,rgba(6,16,24,.96) 68%,#061018 100%)}.hero-inner{min-height:650px;align-items:flex-end;padding-bottom:28px}.hero-copy{width:100%}.eyebrow{font-size:8px}.hero h1{font-size:50px}.hero-copy>p{font-size:13.5px}.hero-actions{display:grid}.hero-actions .button{width:100%}.hero-proof{gap:10px;justify-content:space-between}.hero-proof>div{min-width:0;gap:5px}.proof-icon{width:23px}.proof-icon svg{width:20px;height:20px}.hero-proof b{font-size:8px}.hero-proof small{display:none}.coverage-badge{top:84px;bottom:auto;right:14px;padding:9px 12px}.coverage-badge b{font-size:9px}.insurance-section{padding:38px 0 45px}.section-head{align-items:start}.section-head h2{font-size:30px}.section-head .text-link{display:none}.insurance-grid{grid-template-columns:repeat(2,1fr);gap:10px}.card-photo{height:110px}.card-icon{top:91px;width:38px;height:38px}.card-content{padding:27px 11px 14px;min-height:140px}.card-content h3{font-size:12px}.choice-section{padding:42px 0 28px}.choice-copy h2{font-size:38px}.choice-cards{grid-template-columns:1fr}.choice-card{min-height:235px}.contact-card{margin-top:16px}.trust-strip{grid-template-columns:1fr 1fr;gap:18px 10px}.trust-strip svg{width:24px;height:24px}.calc-grid{grid-template-columns:repeat(2,1fr)}.partners-grid{gap:24px}.partners-copy h2{font-size:30px}.wordmarks{grid-template-columns:repeat(3,1fr);gap:20px}.articles-grid{grid-template-columns:1fr}.closing{min-height:360px}.closing-inner{min-height:360px;display:block;padding:65px 0}.closing h2{font-size:36px}.closing-actions{margin-top:23px}.footer-main{grid-template-columns:1fr 1fr;gap:20px;padding:25px 0}.footer-logo{grid-column:1/-1}.footer-main nav{display:none}.footer-bottom{display:block;padding:15px 0}.footer-bottom span{display:block;margin:4px 0}.mobile-bottom{position:fixed;z-index:90;left:0;right:0;bottom:0;background:rgba(255,255,255,.96);border-top:1px solid #e4e0d8;padding:8px 10px;display:grid;grid-template-columns:1.4fr 1fr;gap:8px}.mobile-bottom .button{min-height:46px}.modal-card{padding:26px 20px}.modal-grid{grid-template-columns:1fr}}

/* InBest BETA v5 — sharp imagery + crisp logo */
.topbar{background:#061018;border-bottom:1px solid rgba(255,255,255,.09)}
.nav-shell{height:82px}
.official-logo{width:232px;flex:0 0 232px;display:flex;align-items:center;overflow:visible}
.official-logo img{width:232px;height:auto;max-height:68px;object-fit:contain;object-position:left center;display:block;filter:none!important;opacity:1!important}
.hero{min-height:590px;background:#061018}
.hero-bg{background-image:url('graphics-v5/hero-main.webp')!important;background-position:center right!important;background-size:cover!important;filter:none!important;transform:none!important;opacity:1!important}
.hero-overlay{background:linear-gradient(90deg,#061018 0%,rgba(6,16,24,.97) 27%,rgba(6,16,24,.70) 50%,rgba(6,16,24,.13) 77%,rgba(6,16,24,.02) 100%)}
.hero-inner{min-height:590px}
.hero-copy{max-width:720px}
.hero h1{font-size:78px;line-height:.92;letter-spacing:-.045em;text-shadow:0 3px 20px rgba(0,0,0,.18)}
.hero h1 span{color:#f2bf42}
.insurance-section{padding-top:62px}
.insurance-grid{gap:16px}
.insurance-card{border-radius:18px;overflow:hidden;box-shadow:0 14px 34px rgba(7,16,23,.09);border:1px solid #e5e0d7;background:#fff;transition:transform .22s ease,box-shadow .22s ease}
.insurance-card:hover{transform:translateY(-4px);box-shadow:0 20px 44px rgba(7,16,23,.13)}
.card-photo{height:178px;background:#ece9e2;overflow:hidden}
.card-photo img{width:100%;height:100%;object-fit:cover;display:block;filter:none!important;transform:none!important;image-rendering:auto;backface-visibility:hidden}
.insurance-card:nth-child(1) .card-photo img{object-position:50% 54%}
.insurance-card:nth-child(2) .card-photo img{object-position:50% 55%}
.insurance-card:nth-child(3) .card-photo img{object-position:56% 45%}
.insurance-card:nth-child(4) .card-photo img{object-position:50% 56%}
.insurance-card:nth-child(5) .card-photo img{object-position:50% 42%}
.insurance-card:nth-child(6) .card-photo img{object-position:50% 52%}
.card-content{min-height:166px;padding:32px 16px 17px}
.card-content h3{font-size:15px}
.articles-grid img{height:215px;filter:none!important;image-rendering:auto}
.closing-bg{background-image:url('graphics-v5/closing-main.webp')!important;filter:none!important;background-position:center 52%!important}
.footer-logo{width:225px;height:auto;max-height:68px;object-fit:contain;filter:none!important}
@media(max-width:1100px){.official-logo{width:205px;flex-basis:205px}.official-logo img{width:205px}.hero h1{font-size:68px}}
@media(max-width:720px){.nav-shell{height:70px}.official-logo{width:175px;flex-basis:175px}.official-logo img{width:175px;max-height:56px}.hero{min-height:690px}.hero-inner{min-height:690px}.hero-bg{background-position:66% center!important}.hero-overlay{background:linear-gradient(180deg,rgba(6,16,24,.10) 0%,rgba(6,16,24,.24) 30%,rgba(6,16,24,.93) 61%,#061018 100%)}.hero h1{font-size:54px}.card-photo{height:138px}.card-content{min-height:150px;padding-top:29px}}

/* InBest BETA v6 — official brand asset wiring */
.official-logo{width:242px;flex-basis:242px}
.official-logo img{width:242px;max-height:64px;object-fit:contain;object-position:left center;display:block;filter:none!important}
.footer-main{grid-template-columns:270px 1fr auto}
.footer-brand{display:flex;flex-direction:column;align-items:flex-start;gap:3px}
.footer-logo{width:235px;max-height:66px;object-fit:contain;object-position:left center;display:block;filter:none!important}
.footer-tagline{font-family:Georgia,"Times New Roman",serif;font-style:italic;font-size:12px;color:#5d6266;letter-spacing:.01em;margin-left:7px}
@media(max-width:1100px){.official-logo{width:220px;flex-basis:220px}.official-logo img{width:220px}}
@media(max-width:720px){.official-logo{width:182px;flex-basis:182px}.official-logo img{width:182px;max-height:52px}.footer-main{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}.footer-logo{width:210px}.footer-tagline{font-size:11px}}

/* InBest BETA v7 — poprawka ścieżek grafik + oryginalne logo */
.topbar{
  background:#ffffff!important;
  border-bottom:1px solid #ece7dd!important;
  box-shadow:0 6px 22px rgba(7,16,23,.06)!important;
}
.nav-shell{height:84px!important}
.official-logo{width:230px!important;flex:0 0 230px!important;overflow:visible!important}
.official-logo img{
  width:230px!important;
  height:58px!important;
  max-height:58px!important;
  object-fit:contain!important;
  object-position:left center!important;
  display:block!important;
  filter:none!important;
}
.main-nav{color:#071017!important}
.main-nav a{opacity:.84!important}
.main-nav a:hover{opacity:1!important;color:#b17d08!important}
.advisor-mini{color:#071017!important;border-color:#cfc8ba!important;background:#fff!important}
.advisor-mini small{color:#69727a!important;opacity:1!important}
.hamburger{color:#071017!important}

.hero-bg{
  background-image:url('graphics/hero-main.png')!important;
  background-position:center right!important;
  background-size:cover!important;
  background-repeat:no-repeat!important;
  filter:none!important;
  opacity:1!important;
}
.hero-overlay{
  background:linear-gradient(90deg,#071017 0%,rgba(7,16,23,.98) 24%,rgba(7,16,23,.82) 42%,rgba(7,16,23,.42) 60%,rgba(7,16,23,.08) 82%,rgba(7,16,23,0) 100%)!important;
}
.card-photo{background:#eeeae2!important}
.card-photo img,.articles-grid img{
  display:block!important;
  width:100%!important;
  height:100%!important;
  object-fit:cover!important;
  opacity:1!important;
  filter:none!important;
  visibility:visible!important;
}
.insurance-card:nth-child(1) .card-photo img{object-position:center 58%!important}
.insurance-card:nth-child(2) .card-photo img{object-position:center 55%!important}
.insurance-card:nth-child(3) .card-photo img{object-position:center 48%!important}
.insurance-card:nth-child(4) .card-photo img{object-position:center 52%!important}
.insurance-card:nth-child(5) .card-photo img{object-position:center 44%!important}
.insurance-card:nth-child(6) .card-photo img{object-position:center 50%!important}
.closing-bg{
  background-image:url('graphics/hero-main.png')!important;
  background-position:center 58%!important;
  background-size:cover!important;
  filter:none!important;
}
.footer-logo{
  width:230px!important;
  height:auto!important;
  max-height:70px!important;
  object-fit:contain!important;
  object-position:left center!important;
}
@media(max-width:1100px){
  .official-logo{width:205px!important;flex-basis:205px!important}
  .official-logo img{width:205px!important;height:52px!important}
}
@media(max-width:720px){
  .topbar{background:#fff!important}
  .mobile-menu.open{background:#fff!important;border-top:1px solid #ece7dd!important}
  .mobile-menu a{color:#071017!important}
  .official-logo{width:176px!important;flex-basis:176px!important}
  .official-logo img{width:176px!important;height:46px!important}
  .hero-bg{background-position:66% center!important}
}


/* InBest BETA v8 — ostrzejsze logo główne */
.official-logo{width:252px!important;flex:0 0 252px!important}
.official-logo img{width:252px!important;height:auto!important;max-height:62px!important;object-fit:contain!important;object-position:left center!important;filter:none!important;opacity:1!important;image-rendering:auto!important}
.footer-logo{width:240px!important;height:auto!important;max-height:68px!important;filter:none!important;opacity:1!important}
@media(max-width:1100px){.official-logo{width:225px!important;flex-basis:225px!important}.official-logo img{width:225px!important}}
@media(max-width:720px){.official-logo{width:185px!important;flex-basis:185px!important}.official-logo img{width:185px!important;max-height:50px!important}.footer-logo{width:215px!important}}

/* =========================================================
   InBest BETA v11 — MAJOR UPDATE
   Pełny ekosystem strony: produkty, kalkulatory, TU, opinie,
   sekcja firmowa, kontakt, poradniki i strony prawne.
   ========================================================= */
:root{--ib-gold:#e7b42b;--ib-gold-dark:#bb8610;--ib-ink:#071017;--ib-navy:#0b1824;--ib-paper:#f7f4ee;--ib-line:#e6e0d7;--ib-muted:#66717a}
html{scroll-behavior:smooth}
body{background:#fff;color:var(--ib-ink)}
.button{text-decoration:none}
.button:focus-visible,a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid rgba(231,180,43,.38);outline-offset:3px}
.section-label{letter-spacing:.18em}
.main-nav{gap:28px}
.main-nav a{font-weight:700;font-size:13px}

/* Hero refinements */
.hero{min-height:610px}
.hero-inner{min-height:610px}
.hero-copy{max-width:715px}
.eyebrow{letter-spacing:.19em}
.hero-proof{margin-top:26px}
.hero-proof>div{padding-right:20px}

/* Product cards */
.product-kicker{display:inline-flex;align-items:center;gap:7px;margin-top:11px;font-size:10px;font-weight:800;letter-spacing:.11em;text-transform:uppercase;color:#956a08}
.product-kicker::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--ib-gold)}
.secondary-products{margin-top:18px;display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.secondary-product{display:flex;align-items:center;gap:13px;padding:16px 17px;border:1px solid var(--ib-line);border-radius:15px;background:#fff;text-decoration:none;color:var(--ib-ink);transition:.2s ease}
.secondary-product:hover{border-color:#cda438;transform:translateY(-2px);box-shadow:0 10px 24px rgba(7,16,23,.07)}
.secondary-product svg{width:24px;height:24px;stroke:#b68109;fill:none;flex:0 0 auto}
.secondary-product b{display:block;font-size:13px}
.secondary-product small{display:block;margin-top:2px;color:var(--ib-muted);font-size:10px}

/* Purchase path */
.choice-section{background:linear-gradient(180deg,#f8f6f1 0%,#fff 100%)}
.choice-card .choice-tag{display:inline-flex;padding:5px 8px;border-radius:999px;font-size:9px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
.choice-card.dark .choice-tag{background:rgba(231,180,43,.14);color:#f4c54b;border:1px solid rgba(231,180,43,.27)}
.choice-card.light .choice-tag{background:#f4ead0;color:#906500}
.contact-direct{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin:14px 0 18px}
.contact-direct a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:44px;border:1px solid #ded8ce;border-radius:11px;text-decoration:none;color:var(--ib-ink);font-weight:800;font-size:11px;background:#fff}
.contact-direct a:hover{border-color:#bd8a10}
.contact-direct svg{width:16px;height:16px;stroke:#aa790c;fill:none}
.contact-email{grid-column:1/-1!important}

/* Calculator ecosystem */
.calculators-section{padding:70px 0;background:var(--ib-ink);color:#fff;position:relative;overflow:hidden}
.calculators-section::before{content:"";position:absolute;inset:-40% auto auto -10%;width:540px;height:540px;border-radius:50%;background:radial-gradient(circle,rgba(231,180,43,.12),rgba(231,180,43,0) 68%);pointer-events:none}
.calculators-section .section-label{color:#e7b42b}
.calculators-head{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:30px;position:relative}
.calculators-head h2{font-family:Georgia,"Times New Roman",serif;font-size:46px;line-height:1.02;margin:8px 0 0}
.calculators-head p{max-width:470px;margin:0;color:#b9c1c7;font-size:13px;line-height:1.65}
.calc-ecosystem{display:grid;grid-template-columns:repeat(3,1fr);gap:13px;position:relative}
.calc-tile{display:flex;flex-direction:column;min-height:178px;padding:20px;border:1px solid rgba(255,255,255,.12);border-radius:17px;background:linear-gradient(145deg,rgba(255,255,255,.07),rgba(255,255,255,.025));text-decoration:none;color:#fff;transition:.22s ease;position:relative;overflow:hidden}
.calc-tile:hover{transform:translateY(-3px);border-color:rgba(231,180,43,.54);background:linear-gradient(145deg,rgba(231,180,43,.11),rgba(255,255,255,.03))}
.calc-tile .calc-icon{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:#fff;color:#111;margin-bottom:22px}
.calc-tile .calc-icon svg{width:22px;height:22px;stroke:#b68109;fill:none}
.calc-tile h3{font-size:16px;margin:0 0 5px}
.calc-tile p{font-size:10.5px;line-height:1.45;color:#aeb8bf;margin:0 0 14px}
.calc-tile .calc-go{margin-top:auto;display:flex;justify-content:space-between;align-items:center;font-size:10px;font-weight:900;letter-spacing:.06em;text-transform:uppercase;color:#f1c34a}
.calc-tile .calc-go svg{width:15px;height:15px;stroke:currentColor;fill:none}
.calc-general{margin-top:18px;padding:20px 22px;border-radius:17px;background:#e7b42b;color:#0b1115;display:flex;align-items:center;justify-content:space-between;gap:25px;text-decoration:none;position:relative}
.calc-general strong{font-family:Georgia,"Times New Roman",serif;font-size:23px}
.calc-general span{display:block;font-size:11px;margin-top:4px;opacity:.75}
.calc-general .button{background:#071017;color:#fff;border-color:#071017;white-space:nowrap}

/* Why InBest */
.why-section{padding:72px 0;background:#fff}
.why-head{text-align:center;max-width:720px;margin:0 auto 33px}
.why-head h2{font-family:Georgia,"Times New Roman",serif;font-size:44px;margin:8px 0 10px;line-height:1.05}
.why-head p{color:var(--ib-muted);font-size:13px;line-height:1.65}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}
.why-card{border:1px solid var(--ib-line);border-radius:17px;padding:23px 19px;background:#fff;min-height:185px}
.why-card .why-icon{width:43px;height:43px;border-radius:12px;background:#f6edda;display:grid;place-items:center;margin-bottom:23px}
.why-card svg{width:23px;height:23px;stroke:#aa790c;fill:none}
.why-card h3{font-size:14px;margin:0 0 7px}
.why-card p{font-size:10.5px;line-height:1.55;color:var(--ib-muted);margin:0}

/* Business */
.business-section{padding:0 0 74px;background:#fff}
.business-shell{border-radius:22px;overflow:hidden;min-height:440px;position:relative;background:#0b1721;color:#fff;display:grid;grid-template-columns:1.1fr .9fr}
.business-image{position:absolute;inset:0 0 0 48%;background:url('graphics/card-business.png') center/cover no-repeat}
.business-image::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#0b1721 0%,rgba(11,23,33,.86) 10%,rgba(11,23,33,.12) 58%,rgba(11,23,33,.05) 100%)}
.business-copy{position:relative;z-index:2;padding:54px 48px;max-width:630px}
.business-copy h2{font-family:Georgia,"Times New Roman",serif;font-size:43px;line-height:1.03;margin:8px 0 14px}
.business-copy>p{color:#c2cbd0;font-size:12px;line-height:1.65;max-width:520px}
.business-points{display:grid;grid-template-columns:1fr 1fr;gap:9px 20px;margin:24px 0 26px;padding:0;list-style:none}
.business-points li{font-size:10.5px;font-weight:750;display:flex;gap:8px;align-items:flex-start}
.business-points li::before{content:"✓";color:#e7b42b;font-weight:900}

/* Partner logos */
.partners-section{padding:64px 0;background:#f7f5f0}
.partners-grid{grid-template-columns:390px 1fr!important;align-items:center!important}
.insurer-logos{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.insurer-logo{height:72px;background:#fff;border:1px solid #e4dfd6;border-radius:13px;display:flex;align-items:center;justify-content:center;padding:14px 17px}
.insurer-logo img{max-width:100%;max-height:38px;display:block}
.insurer-foot{grid-column:1/-1;color:#757d83;font-size:9px;text-align:right;margin-top:2px}

/* Facebook reviews */
.reviews-section{padding:72px 0;background:#fff}
.review-summary{display:flex;align-items:center;gap:12px}
.facebook-badge{display:inline-flex;align-items:center;gap:8px;border:1px solid #dfe3e9;border-radius:999px;padding:8px 12px;background:#fff;font-size:10px;font-weight:850;color:#172b4d;text-decoration:none}
.facebook-badge .fb-dot{display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:#1877f2;color:#fff;font-family:Arial,sans-serif;font-weight:900;font-size:15px}
.recommend-score{font-size:11px;color:#56616a;font-weight:800}
.review-track{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(310px,1fr);overflow-x:auto;gap:13px;padding:3px 2px 16px;scroll-snap-type:x mandatory;scrollbar-width:thin}
.review-card{scroll-snap-align:start;border:1px solid #e3ded6;border-radius:17px;padding:20px;background:#fff;box-shadow:0 9px 24px rgba(7,16,23,.045);min-height:215px;display:flex;flex-direction:column}
.review-top{display:flex;justify-content:space-between;gap:10px;align-items:center;margin-bottom:14px}
.review-person{display:flex;align-items:center;gap:10px}
.review-avatar{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:#f3e7ca;color:#8c650e;font-weight:900;font-size:11px}
.review-name b{font-size:11px;display:block}.review-name span{font-size:8.5px;color:#7a838a;display:block;margin-top:2px}
.review-rec{font-size:8.5px;font-weight:900;color:#247149;background:#edf7f1;border-radius:999px;padding:5px 7px;white-space:nowrap}
.review-card blockquote{margin:0;color:#20282d;font-size:11.5px;line-height:1.58;font-style:normal}
.review-source{margin-top:auto;padding-top:15px;font-size:8.5px;color:#81898f;display:flex;align-items:center;gap:6px}
.reviews-actions{margin-top:17px;display:flex;justify-content:center}

/* Articles */
.articles-grid article{border:1px solid #e5e0d7}
.articles-grid article a{text-decoration:none}
.article-meta{font-size:9px!important;color:#9a6e09!important;font-weight:900!important;letter-spacing:.12em!important}

/* Closing + footer */
.closing h2{font-size:49px}
.footer-main{grid-template-columns:270px 1fr 260px!important;gap:40px!important}
.footer-links{display:grid;grid-template-columns:1fr 1fr;gap:8px 26px}
.footer-links a{font-size:10px;color:#343d43;text-decoration:none}.footer-links a:hover{color:#986b08}
.footer-contact{display:flex;flex-direction:column;gap:6px;align-items:flex-start}
.footer-contact a{font-size:11px;color:#111;text-decoration:none;font-weight:800}
.footer-contact small{font-size:9px;color:#747e84}
.footer-legal-links{display:flex;gap:14px;flex-wrap:wrap}.footer-legal-links a{color:inherit;text-decoration:none}.footer-legal-links a:hover{text-decoration:underline}

/* Modal becomes real calculator chooser */
.modal-card>p{max-width:600px}.modal-grid a{display:flex!important;align-items:center;justify-content:space-between;min-height:54px;padding:0 15px;border:1px solid #ded8cf;border-radius:11px;background:#fff;color:#101820;text-decoration:none;font-weight:800;font-size:11px}.modal-grid a:hover{border-color:#c79825;background:#fffaf0}.modal-grid a span{color:#b27d08}

/* Legal / article pages */
.subpage{background:#f7f5f0;min-height:100vh}.subpage .topbar{position:sticky;top:0}.subpage-main{padding:60px 0 80px}.subpage-hero{max-width:880px;margin-bottom:34px}.subpage-hero h1{font-family:Georgia,"Times New Roman",serif;font-size:52px;line-height:1.03;margin:10px 0}.subpage-hero p{color:#637079;font-size:13px;line-height:1.7}.legal-card,.article-body{background:#fff;border:1px solid #e4dfd7;border-radius:20px;padding:38px;max-width:940px;box-shadow:0 12px 35px rgba(7,16,23,.05)}.legal-card h2,.article-body h2{font-family:Georgia,"Times New Roman",serif;font-size:26px;margin:30px 0 10px}.legal-card h2:first-child,.article-body h2:first-child{margin-top:0}.legal-card h3,.article-body h3{font-size:14px;margin:22px 0 8px}.legal-card p,.legal-card li,.article-body p,.article-body li{font-size:12px;line-height:1.75;color:#364047}.legal-card ul,.article-body ul{padding-left:20px}.legal-meta{font-size:10px;color:#7a8389;margin-bottom:24px}.article-back{display:inline-flex;margin-top:26px;color:#8e660b;text-decoration:none;font-weight:800;font-size:11px}

@media(max-width:1100px){
.main-nav{gap:17px}.main-nav a{font-size:11px}.secondary-products{grid-template-columns:repeat(2,1fr)}.calc-ecosystem{grid-template-columns:repeat(3,1fr)}.why-grid{grid-template-columns:repeat(2,1fr)}.partners-grid{grid-template-columns:1fr!important;gap:25px!important}.insurer-logos{grid-template-columns:repeat(3,1fr)}.footer-main{grid-template-columns:1fr 1fr!important}.footer-brand{grid-column:1/-1}.business-shell{grid-template-columns:1fr}.business-image{inset:0 0 0 42%;opacity:.6}.business-copy{padding-right:38%}
}
@media(max-width:720px){
.hero{min-height:690px}.hero-inner{min-height:690px}.hero-proof{gap:12px}.secondary-products{grid-template-columns:1fr 1fr}.secondary-product{padding:13px 11px}.secondary-product small{display:none}.calculators-section{padding:48px 0}.calculators-head{display:block}.calculators-head h2{font-size:36px}.calculators-head p{margin-top:12px}.calc-ecosystem{grid-template-columns:repeat(2,1fr)}.calc-tile{min-height:158px;padding:16px}.calc-tile .calc-icon{margin-bottom:15px}.calc-general{display:block}.calc-general .button{margin-top:15px;width:100%}.why-section{padding:50px 0}.why-head h2{font-size:34px}.why-grid{grid-template-columns:1fr 1fr;gap:9px}.why-card{padding:17px 14px;min-height:166px}.business-section{padding-bottom:50px}.business-shell{min-height:0}.business-image{inset:0;opacity:.27}.business-image::after{background:linear-gradient(90deg,#0b1721 0%,rgba(11,23,33,.88) 55%,rgba(11,23,33,.52) 100%)}.business-copy{padding:38px 24px;max-width:none}.business-copy h2{font-size:34px}.business-copy>p{font-size:11px}.business-points{grid-template-columns:1fr}.insurer-logos{grid-template-columns:repeat(2,1fr);gap:8px}.insurer-logo{height:62px}.review-track{grid-auto-columns:85%}.reviews-section{padding:50px 0}.review-summary{align-items:flex-start;flex-direction:column}.closing h2{font-size:38px}.footer-main{grid-template-columns:1fr!important}.footer-links{grid-template-columns:1fr 1fr}.footer-contact{margin-bottom:8px}.footer-bottom{padding-bottom:80px!important}.subpage-main{padding:35px 0 80px}.subpage-hero h1{font-size:38px}.legal-card,.article-body{padding:24px 18px;border-radius:16px}.contact-direct{grid-template-columns:1fr}.contact-email{grid-column:auto!important}
}
@media(max-width:430px){.secondary-products{grid-template-columns:1fr}.calc-ecosystem{grid-template-columns:1fr 1fr}.calc-tile h3{font-size:14px}.why-grid{grid-template-columns:1fr}.insurer-logos{grid-template-columns:1fr 1fr}.footer-links{grid-template-columns:1fr}.business-copy{padding:34px 20px}}

/* v12 — real insurer marks, richer guides */
.insurer-logo{position:relative;overflow:hidden}
.insurer-logo img{width:auto!important;max-width:92%!important;max-height:44px!important;object-fit:contain!important;filter:none!important}
.insurer-logo>span{display:none;font-size:14px;font-weight:900;color:#27323a;letter-spacing:-.02em;text-align:center}
.insurer-logo:nth-child(5) img,.insurer-logo:nth-child(6) img,.insurer-logo:nth-child(7) img{max-height:48px!important}
.insurer-logo:nth-child(9) img{max-height:50px!important}
.articles-grid-six article>div{display:flex;flex-direction:column;min-height:178px}
.articles-grid-six article p{font-size:10.5px;line-height:1.55;color:#68737a;margin:0 0 14px}
.articles-grid-six article a{margin-top:auto}
.article-body{font-size:13px}
.article-body .article-lead{font-size:14px;line-height:1.75;color:#303a41;margin:0 0 26px}
.article-body .guide-box{margin:26px 0;padding:20px 22px;border-radius:14px;background:#f7f2e7;border:1px solid #e8dcc1}
.article-body .guide-box strong{display:block;font-size:12px;color:#805b09;margin-bottom:7px;text-transform:uppercase;letter-spacing:.08em}
.article-body .guide-box p{margin:0;color:#39434a}
.article-body .guide-checklist{margin:26px 0;padding:22px 24px;border-radius:14px;background:#0d1922;color:#fff}
.article-body .guide-checklist h3{color:#f1c34a;margin:0 0 12px;font-size:15px}
.article-body .guide-checklist ul{margin:0;padding-left:20px}
.article-body .guide-checklist li{color:#e7ecef;margin:6px 0}
.article-body .guide-cta{margin:30px 0 10px;padding:24px;border-radius:16px;background:linear-gradient(135deg,#f3c34d,#d4a72c);color:#071017;display:flex;justify-content:space-between;align-items:center;gap:24px}
.article-body .guide-cta h3{font-family:Georgia,"Times New Roman",serif;font-size:21px;margin:0 0 5px}
.article-body .guide-cta p{color:#2c2e2f;margin:0;max-width:560px}
.article-body .guide-cta a{flex:0 0 auto;background:#071017;color:#fff;border-radius:10px;padding:12px 16px;font-size:10px;font-weight:900;text-decoration:none}
.article-disclaimer{margin-top:28px;padding-top:18px;border-top:1px solid #e8e3da;color:#828b91!important;font-size:9.5px!important;line-height:1.6!important}
.article-body a.inline-link{color:#946807;text-decoration:underline;text-underline-offset:2px}
@media(max-width:720px){.articles-grid-six article>div{min-height:0}.article-body .guide-cta{display:block}.article-body .guide-cta a{display:inline-flex;margin-top:15px}.article-body .guide-box,.article-body .guide-checklist,.article-body .guide-cta{padding:18px}.insurer-logo img{max-height:38px!important}}