/* JDM Ubezpieczenia & Finanse — shop-sign look: condensed heavy Archivo, logo blue, one red price tag.
   Mobile first; desktop at 900px. */
@import url("assets/fonts.css");

:root {
  --ink: #0e2a3b;
  --ink-soft: #3d5566;
  --blue: #0096d6;      /* logo ring — decorative / large only */
  --blue-text: #00679a; /* text + buttons, 6:1 on white */
  --blue-dark: #004f77;
  --sky: #e8f5fc;
  --red: #e30613;       /* price tag + strike-throughs only */
  --white: #fff;
  --font: "Archivo", "Arial Narrow", Arial, sans-serif;
  /* heading voice — one place to retune */
  --display-font: "Red Hat Display", Arial, sans-serif;
  --display-stretch: 100%;
  --display-weight: 700;
  --display-lh: 1.08;
  --pad-x: 20px;
  --sec: 72px;
}
@media (min-width: 900px) { :root { --pad-x: 64px; --sec: 120px; } }

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 88px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { margin: 0; background: var(--white); color: var(--ink); font-family: var(--font); font-size: 18px; line-height: 1.55; }
img { display: block; max-width: 100%; }
/* staging: facts still to collect from dad — impossible to miss */
.todo { background: #ffe14d; color: #3a2e00; font-family: var(--font); font-weight: 700; font-size: .8em; letter-spacing: .02em; padding: .1em .4em; border-radius: 4px; white-space: nowrap; -webkit-box-decoration-break: clone; box-decoration-break: clone; }
.todo-long { white-space: normal; }
a { color: var(--blue-text); text-underline-offset: 3px; }
a:hover { color: var(--blue-dark); }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; }
h1, h2, h3, p { margin: 0; }

/* display type: the shop-sign voice */
.display { font-family: var(--display-font); font-stretch: var(--display-stretch); font-weight: var(--display-weight); line-height: var(--display-lh); letter-spacing: -0.01em; }
h1.display { font-size: clamp(38px, 4.6vw, 64px); }
h2.display { font-size: clamp(30px, 3.4vw, 46px); }
.lead { font-size: clamp(19px, 1.7vw, 22px); color: var(--ink-soft); max-width: 34em; }

.wrap { max-width: 1280px; margin: 0 auto; padding: 0 var(--pad-x); }
.section { padding-top: var(--sec); }

/* buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font: 700 19px/1.2 var(--font); padding: 16px 24px; border-radius: 8px;
  border: 2px solid transparent; text-decoration: none; text-align: center; cursor: pointer;
}
.btn-primary { background: var(--blue-text); color: var(--white); }
.btn-primary:hover { background: var(--blue-dark); color: var(--white); }
.btn-outline { border-color: var(--ink); color: var(--ink); background: transparent; }
.btn-outline:hover { background: var(--ink); color: var(--white); }

/* header */
.site-header { position: sticky; top: 0; z-index: 10; background: var(--white); border-bottom: 1px solid #dbe6ed; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding-top: 10px; padding-bottom: 10px; }
.brand { display: flex; align-items: center; gap: 12px; color: var(--ink); text-decoration: none; }
.brand img { width: 52px; height: 52px; }
.brand span { display: flex; flex-direction: column; line-height: 1.05; }
/* wordmark from the 4b logo: Red Hat Display, logo blue */
.brand b { font-family: "Red Hat Display", var(--font); font-weight: 900; font-size: 26px; color: #0093d3; }
.brand small { font-family: "Red Hat Display", var(--font); font-size: 14px; letter-spacing: 0.03em; color: var(--ink); }
.nav { display: none; align-items: center; gap: 32px; }
.nav a:not(.btn) { color: var(--ink); text-decoration: none; font-weight: 600; }
.nav a:not(.btn):hover { color: var(--blue-text); text-decoration: underline; }
.nav .btn { padding: 11px 18px; font-size: 18px; }
.header-call { display: inline-flex; padding: 10px 14px; font-size: 16px; }
@media (min-width: 900px) {
  .nav { display: flex; }
  .header-call { display: none; }
}

/* hero */
.hero { display: grid; gap: 40px; padding-top: 40px; padding-bottom: 56px; }
.hero h1 { max-width: 17ch; }
.hero .lead { margin-top: 24px; }
.hero-actions { display: flex; flex-direction: column; gap: 12px; margin-top: 32px; }
.hero-meta { margin-top: 18px; font-size: 16px; color: var(--ink-soft); }
@media (min-width: 900px) {
  .hero { grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); align-items: center; gap: 56px; padding-top: 72px; padding-bottom: 88px; }
  .hero-actions { flex-direction: row; }
}

/* photo stand-in: the logo ring on sky, until real photos arrive */
.photo {
  position: relative; margin: 0; min-height: 320px; border-radius: 16px; overflow: hidden;
  background: var(--sky); display: grid; place-items: center;
}
.photo::before {
  content: ""; width: 62%; aspect-ratio: 1; border-radius: 50%;
  background: url("assets/logo-jdm.svg") center / contain no-repeat;
}
.photo figcaption { position: absolute; left: 20px; right: 20px; bottom: 16px; font-size: 15px; color: var(--ink-soft); }
.photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.photo:has(img)::before { content: none; }
.photo:has(img) figcaption { left: 12px; right: auto; bottom: 12px; padding: 4px 10px; border-radius: 6px; font-size: 13px; background: rgba(255, 255, 255, .88); }
@media (min-width: 900px) { .hero .photo { min-height: 520px; } }

/* facts */
.facts { background: var(--sky); }
.facts ul { list-style: none; margin: 0 auto; padding-top: 28px; padding-bottom: 28px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px 24px; }
.facts li { font-size: 16px; color: var(--ink-soft); line-height: 1.3; }
.facts b { display: block; font-family: var(--display-font); font-stretch: var(--display-stretch); font-weight: var(--display-weight); font-size: 22px; color: var(--ink); line-height: 1.1; }
@media (min-width: 900px) { .facts ul { grid-template-columns: repeat(4, minmax(0, 1fr)); } .facts b { font-size: 34px; } }

/* savings — the one loud thing: a red price tag */
.savings { display: grid; gap: 40px; align-items: center; }
.savings .lead { margin-top: 20px; }
.savings .fine { margin-top: 16px; font-size: 16px; color: var(--ink-soft); }
.tag {
  justify-self: start; position: relative; display: inline-flex; flex-direction: column;
  padding: 26px 40px 26px 64px; background: var(--red); color: var(--white); rotate: -3deg;
  clip-path: polygon(34px 0, 100% 0, 100% 100%, 34px 100%, 0 50%);
  filter: drop-shadow(0 10px 18px rgba(227, 6, 19, .25));
}
.tag::before { content: ""; position: absolute; left: 26px; top: 50%; width: 14px; height: 14px; margin-top: -7px; border-radius: 50%; background: var(--white); }
.tag .amount { font-family: var(--display-font); font-stretch: var(--display-stretch); font-weight: 900; font-size: clamp(56px, 8.5vw, 120px); line-height: 0.9; letter-spacing: -0.02em; white-space: nowrap; }
.tag .what { font-weight: 700; font-size: 19px; margin-top: 6px; }
@media (min-width: 900px) { .savings { grid-template-columns: minmax(0, 6fr) minmax(0, 5fr); gap: 64px; } .tag { justify-self: center; order: 2; } }

/* offer */
.offer-groups { display: grid; gap: 48px; margin-top: 48px; }
.offer-groups h3 { font-family: var(--display-font); font-stretch: var(--display-stretch); font-weight: var(--display-weight); font-size: 30px; padding-bottom: 12px; border-bottom: 3px solid var(--blue); }
.offer-groups dl { margin: 8px 0 0; }
.offer-groups dt { font-weight: 700; font-size: 21px; margin-top: 20px; }
.offer-groups dd { margin: 4px 0 0; color: var(--ink-soft); }
.extras { display: grid; gap: 16px; margin-top: 56px; }
.extra { background: var(--sky); border-radius: 12px; padding: 28px; display: flex; flex-direction: column; gap: 10px; align-items: flex-start; }
.extra h3 { font-family: var(--display-font); font-stretch: var(--display-stretch); font-weight: var(--display-weight); font-size: 30px; line-height: 1.05; }
.extra p { color: var(--ink-soft); }
.extra .btn { margin-top: 8px; }
@media (min-width: 900px) {
  .offer-groups { grid-template-columns: 1fr 1fr; gap: 64px; }
  .extras { grid-template-columns: 1fr 1fr; gap: 24px; }
}

/* steps — a real sequence, so numbers */
.steps { list-style: none; padding: 0; margin: 48px 0 0; display: grid; gap: 36px; counter-reset: step; }
.steps li { counter-increment: step; display: grid; grid-template-columns: 56px minmax(0, 1fr); grid-template-rows: auto 1fr; column-gap: 16px; row-gap: 6px; align-items: start; }
.steps li::before {
  content: counter(step); grid-row: span 2; width: 56px; height: 56px; border-radius: 50%;
  display: grid; place-items: center; background: var(--blue-text); color: var(--white);
  font-family: var(--display-font); font-stretch: var(--display-stretch); font-weight: var(--display-weight); font-size: 28px;
}
.steps h3 { font-weight: 700; font-size: 22px; line-height: 1.25; padding-top: 14px; }
.steps p { grid-column: 2; color: var(--ink-soft); margin-top: 0; }
.after { margin-top: 44px; font-size: 22px; font-weight: 600; max-width: 32em; }
@media (min-width: 900px) { .steps { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 40px; } }

/* about */
.about { display: grid; gap: 40px; align-items: center; }
.about-text { display: flex; flex-direction: column; gap: 16px; margin-top: 24px; font-size: 20px; max-width: 34em; }
/* team: initials inside the logo ring until portraits arrive */
.team { grid-column: 1 / -1; list-style: none; padding: 0; margin: 8px 0 0; display: grid; gap: 32px; }
.team li { display: grid; grid-template-columns: 84px minmax(0, 1fr); column-gap: 18px; row-gap: 8px; align-items: center; }
.avatar {
  width: 84px; height: 84px; display: grid; place-items: center;
  background: url("assets/logo-jdm.svg") center / contain no-repeat;
  font-family: var(--display-font); font-weight: 700; font-size: 32px; color: var(--ink);
}
.team h3 { font-family: var(--display-font); font-weight: 700; font-size: 26px; line-height: 1.1; }
.team .role { margin-top: 4px; font-size: 16px; font-weight: 600; color: var(--blue-text); }
.team .desc { grid-column: 2; font-size: 17px; color: var(--ink-soft); }
@media (min-width: 900px) { .team { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 40px; margin-top: 16px; } }
@media (min-width: 900px) { .about { grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: 72px; } .about .photo { min-height: 560px; } }

/* reviews */
.rating { margin-top: 14px; color: var(--ink-soft); }
.quotes { display: grid; gap: 32px; margin-top: 44px; }
.quotes figure { margin: 0; padding-left: 20px; border-left: 4px solid var(--blue); }
.quotes blockquote { margin: 0; font-size: 21px; line-height: 1.45; }
.quotes figcaption { margin-top: 10px; font-size: 16px; color: var(--ink-soft); }
.more { margin-top: 36px; font-weight: 600; }
.reviews-note { margin-top: 10px; font-size: 14px; color: var(--ink-soft); max-width: 60em; }
.coffee { margin-top: 20px; font-size: 18px; font-style: italic; color: #e6eef3; max-width: 34em; }
.coffee span { display: block; margin-top: 4px; font-style: normal; font-size: 15px; color: #9fb6c4; }
@media (min-width: 900px) { .quotes { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 40px; } }

/* insurers */
.insurers { margin-top: 72px; padding-top: 32px; border-top: 1px solid #dbe6ed; }
.insurers p { font-size: 16px; color: var(--ink-soft); }
.insurers ul { list-style: none; padding: 0; margin: 14px 0 0; display: flex; flex-wrap: wrap; gap: 8px 28px; }
.insurers li { font-family: var(--display-font); font-stretch: var(--display-stretch); font-weight: var(--display-weight); font-size: 24px; color: #8399a8; }

/* contact — the one dark block */
.contact { margin-top: var(--sec); background: var(--ink); color: var(--white); }
.contact .wrap { padding-top: 72px; padding-bottom: 80px; display: grid; gap: 48px; }
.contact .lead { color: #c6d6e0; margin-top: 18px; }
.form { background: var(--white); color: var(--ink); border-radius: 16px; padding: 28px 22px; display: flex; flex-direction: column; gap: 20px; }
.field label { display: block; font-weight: 600; font-size: 17px; margin-bottom: 6px; }
.input {
  width: 100%; padding: 14px 16px; font: 400 19px var(--font); color: var(--ink);
  background: var(--white); border: 2px solid #b9cbd6; border-radius: 8px;
}
.input:hover { border-color: var(--ink-soft); }
.input:focus-visible { border-color: var(--blue-text); outline-offset: 1px; }
.input:user-invalid { border-color: var(--red); }
.consent { display: grid; grid-template-columns: 24px minmax(0, 1fr); gap: 12px; font-size: 15px; line-height: 1.5; color: var(--ink-soft); cursor: pointer; }
.consent input { width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--blue-text); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.contact-info dl { margin: 0; display: grid; gap: 18px; }
.contact-info dt { font-size: 15px; color: #9fb6c4; }
.contact-info dd { margin: 2px 0 0; font-size: 19px; }
.contact-info a { color: var(--white); }
.contact-info .phone { font-family: var(--display-font); font-stretch: var(--display-stretch); font-weight: var(--display-weight); font-size: 44px; text-decoration: none; line-height: 1; }
@media (min-width: 900px) {
  .contact .wrap { grid-template-columns: minmax(0, 6fr) minmax(0, 5fr); column-gap: 72px; padding-top: 96px; padding-bottom: 104px; }
  .contact .intro { grid-column: 1 / -1; }
  .form { padding: 36px; }
  .form .btn { align-self: flex-start; }
}

/* footer */
.site-footer { background: var(--ink); color: #9fb6c4; font-size: 15px; border-top: 1px solid #23465c; }
.site-footer .wrap { padding-top: 32px; padding-bottom: 32px; display: grid; gap: 18px; }
.site-footer a { color: #c6d6e0; }
.site-footer .firm { color: var(--white); font-weight: 700; }
@media (min-width: 900px) { .site-footer .wrap { grid-template-columns: 1.2fr 1.4fr 1fr; gap: 40px; } }

/* mobile call bar */
.callbar { position: sticky; bottom: 0; z-index: 10; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; padding: 10px 14px; background: var(--white); box-shadow: 0 -4px 16px rgba(14, 42, 59, .12); }
.callbar .btn { padding: 14px 8px; font-size: 18px; }
@media (min-width: 900px) { .callbar { display: none; } }

/* ===== savings variants (staging comparison; keep the chosen one, drop the rest) ===== */
/* B: receipt with torn zig-zag bottom */
.receipt-wrap { justify-self: center; rotate: 2deg; filter: drop-shadow(0 16px 26px rgba(14, 42, 59, .18)); }
.receipt {
  width: min(100%, 380px); background: var(--white); padding: 28px 28px 44px; font-variant-numeric: tabular-nums;
  -webkit-mask: conic-gradient(from -45deg at bottom, #0000, #000 1deg 89deg, #0000 90deg) 50% / 18px 100%;
          mask: conic-gradient(from -45deg at bottom, #0000, #000 1deg 89deg, #0000 90deg) 50% / 18px 100%;
}
.receipt .r-head { text-align: center; font-size: 15px; color: var(--ink-soft); padding-bottom: 14px; border-bottom: 2px dashed #b9cbd6; }
.receipt .r-head b { display: block; font-family: var(--display-font); font-size: 19px; color: var(--ink); }
.receipt dl { margin: 14px 0; display: grid; grid-template-columns: 1fr auto; gap: 6px 16px; font-size: 16px; }
.receipt dd { margin: 0; text-align: right; font-weight: 600; }
.receipt .r-total { display: flex; flex-direction: column; gap: 2px; padding-top: 14px; border-top: 2px dashed #b9cbd6; }
.receipt .r-total span { font-weight: 700; }
.receipt .r-total b { font-family: var(--display-font); font-weight: 800; font-size: clamp(44px, 5vw, 60px); color: var(--red); line-height: 1.05; white-space: nowrap; }
.receipt .r-foot { margin-top: 18px; text-align: center; font-size: 14px; color: var(--ink-soft); }

/* C: rubber stamp, like on a signed policy */
.stamp {
  justify-self: center; rotate: -7deg; color: var(--red); text-align: center; text-transform: uppercase;
  border: 6px solid currentColor; border-radius: 16px; padding: 18px 30px;
  box-shadow: inset 0 0 0 4px var(--white), inset 0 0 0 7px currentColor;
  font-family: var(--display-font); font-weight: 900; letter-spacing: .04em; filter: url(#ink);
}
.stamp .s-top, .stamp .s-bot { display: block; font-size: 17px; }
.stamp .amount { display: block; font-size: clamp(48px, 8vw, 108px); line-height: 1.05; letter-spacing: -.01em; white-space: nowrap; }

/* D: Polish licence plate — CW = Włocławek */
.plate-wrap { justify-self: center; text-align: center; }
.plate {
  display: inline-flex; align-items: stretch; background: var(--white); border: 4px solid #111; border-radius: 12px; overflow: hidden;
  box-shadow: 0 14px 30px rgba(14, 42, 59, .2);
}
.plate .eu { width: 54px; background: #003399; color: var(--white); display: flex; flex-direction: column; align-items: center; justify-content: space-between; padding: 10px 0 8px; font: 700 20px/1 var(--font); }
.plate .eu::before { content: ""; width: 28px; height: 28px; border-radius: 50%; border: 3px dotted #ffcc00; }
.plate .num { padding: 6px 24px 4px; font: 700 clamp(40px, 7vw, 100px)/1.1 var(--font); font-stretch: 78%; letter-spacing: .05em; color: #111; white-space: nowrap; }
.plate-cap { margin-top: 14px; font-weight: 700; font-size: 18px; }

/* offer items link to the form with the topic pre-selected (assets/site.js) */
.offer-groups dt a { color: var(--ink); text-decoration: underline; text-decoration-color: color-mix(in srgb, var(--blue) 45%, transparent); text-decoration-thickness: 2px; text-underline-offset: 4px; }
.offer-groups dt a:hover { color: var(--blue-text); text-decoration-color: var(--blue-text); }

/* subtle open/closed badge */
.open-status { display: inline-flex; align-items: center; gap: 7px; font-size: 15px; color: var(--ink-soft); }
.open-status::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: #9aa9b3; }
.open-status.is-open::before { background: #2e9d5b; box-shadow: 0 0 0 3px color-mix(in srgb, #2e9d5b 20%, transparent); }
.hero-meta .open-status { display: flex; width: fit-content; margin-bottom: 4px; }
.hero-meta .open-status[hidden] { display: none; }
.contact-info .open-status { margin-top: 4px; color: #c6d6e0; }

/* know-how: native <details> */
.faq { margin-top: 36px; max-width: 48em; border-top: 1px solid #dbe6ed; }
.faq details { border-bottom: 1px solid #dbe6ed; }
.faq summary {
  list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 20px;
  padding: 20px 0; font-weight: 700; font-size: 20px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; flex: none; width: 32px; height: 32px; border-radius: 50%; display: grid; place-items: center; background: var(--sky); color: var(--blue-text); font-size: 22px; font-weight: 600; transition: rotate .2s; }
.faq details[open] summary::after { rotate: 45deg; }
.faq summary:hover { color: var(--blue-text); }
.faq details p { padding: 0 0 22px; color: var(--ink-soft); max-width: 40em; }
@media (prefers-reduced-motion: reduce) { .faq summary::after { transition: none; } }

/* receipt prints once when scrolled into view (assets/site.js adds the classes) */
.receipt-wrap.will-print .receipt { clip-path: inset(0 0 100% 0); transform: translateY(-56px); }
.receipt-wrap.printing .receipt { animation: feed 1.8s cubic-bezier(.45, .05, .25, 1) forwards; }
@keyframes feed { to { clip-path: inset(0 0 0 0); transform: none; } }
.receipt .r-total b { font-variant-numeric: tabular-nums; }

/* reviews: three slots, each cross-fades through its own quotes (assets/site.js) */
.quote-slot { display: grid; gap: 32px; align-content: start; }
.js .quote-slot > figure { grid-area: 1 / 1; transition: opacity .8s ease, translate .8s ease, visibility 0s .8s; }
.js .quote-slot > figure:not(.is-on) { opacity: 0; translate: 0 8px; visibility: hidden; }
.js .quote-slot > figure.is-on { transition: opacity .8s ease .3s, translate .8s ease .3s, visibility 0s; }
.quotes-toggle { margin-top: 28px; padding: 0; border: 0; background: none; font: 500 15px var(--font); color: var(--ink-soft); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
.quotes-toggle:hover { color: var(--blue-text); }
@media (prefers-reduced-motion: reduce) { .js .quote-slot > figure { transition: none; } }

/* privacy policy page */
.legal { max-width: 46em; padding-bottom: 80px; }
.legal h2 { font-family: var(--display-font); font-size: 24px; margin-top: 36px; }
.legal p, .legal ul { margin-top: 12px; color: var(--ink-soft); }
.legal li { margin-top: 6px; }