:root{
  --teal:#14b8a6;
  --teal-dark:#0d9488;
  --navy:#0f172a;
  --navy-soft:#1e293b;
  --gold:#d4a017;
  --gold-dark:#b3860f;
  --bg-light:#f8fafc;
  --border:#e2e8f0;
  --text-muted:#64748b;
}
*{box-sizing:border-box;margin:0;padding:0;}
body{
  font-family:'Segoe UI', Roboto, Arial, sans-serif;
  color:var(--navy);
  line-height:1.6;
  background:#fff;
}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}
.container{max-width:1120px;margin:0 auto;padding:0 24px;}
ul{list-style:none;}

/* Header */
header{
  position:sticky;top:0;z-index:50;
  background:#fff;
  border-bottom:1px solid var(--border);
}
.nav{
  display:flex;align-items:center;justify-content:space-between;
  padding:18px 0;
}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:20px;}
.logo img{height:42px;width:auto;display:block;}
.logo-mark{
  width:34px;height:34px;border-radius:8px;
  background:linear-gradient(135deg,var(--teal),var(--navy));
  flex-shrink:0;
}
footer .logo img{height:34px;}
footer .logo{color:#fff;}
.nav ul{display:flex;align-items:center;gap:32px;}
.nav ul li a{font-weight:500;color:var(--navy-soft);transition:color .2s;}
.nav ul li a:hover{color:var(--teal-dark);}
.nav ul li a.active{color:var(--teal-dark);font-weight:700;}
.nav-cta{
  background:var(--navy);color:#fff;padding:10px 20px;border-radius:8px;
  font-weight:600;font-size:14px;transition:background .2s;
}
.nav-cta:hover{background:var(--navy-soft);}
.menu-toggle{display:none;background:none;border:none;font-size:26px;cursor:pointer;color:var(--navy);}

/* Buttons */
.btn-row{display:flex;gap:16px;flex-wrap:wrap;}
.btn-primary{
  background:var(--navy);color:#fff;padding:14px 28px;border-radius:8px;
  font-weight:600;display:inline-block;transition:background .2s, transform .2s;
  border:none;cursor:pointer;font-size:15px;
}
.btn-primary:hover{background:var(--navy-soft);transform:translateY(-1px);}
.btn-secondary{
  border:1.5px solid var(--border);color:var(--navy);padding:14px 28px;border-radius:8px;
  font-weight:600;display:inline-block;transition:border-color .2s;
}
.btn-secondary:hover{border-color:var(--navy);}
.btn-onlight{background:#fff;color:var(--navy);}
.btn-onlight:hover{background:#f1f5f9;}

/* Section basics */
.section{padding:88px 0;}
.section-bg{background:var(--bg-light);}
.section-head{max-width:640px;margin:0 auto 56px;text-align:center;}
.eyebrow{
  display:inline-block;font-weight:700;
  letter-spacing:1px;font-size:13px;text-transform:uppercase;margin-bottom:16px;
}
.section-head h2{font-size:32px;margin-bottom:14px;}
.section-head p{color:var(--text-muted);font-size:16px;}

/* Footer */
footer{background:var(--navy);color:#94a3b8;padding:40px 0;}
.footer-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;font-size:14px;}
.footer-inner a{color:#cbd5e1;font-weight:600;}
.footer-legal{
  max-width:1120px;margin:22px auto 0;padding:16px 24px 0;
  border-top:1px solid rgba(255,255,255,.08);
  text-align:center;font-size:12px;color:#64748b;line-height:1.7;
}
.social{display:flex;gap:14px;}
.social a{
  width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.08);
  display:flex;align-items:center;justify-content:center;font-size:14px;
  color:#fff;transition:background .2s;
}
.social a:hover{background:rgba(255,255,255,.18);}
.social a svg{width:18px;height:18px;}

/* ===== HOME PAGE ===== */
.home-hero{
  padding:56px 0 72px;
  background:linear-gradient(180deg, #ecfdfb 0%, #ffffff 100%);
}
.hero-split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;}
.hero-left .eyebrow{color:var(--teal-dark);}
.hero-left h1{font-size:44px;line-height:1.18;margin-bottom:20px;color:var(--navy);}
.hero-left h1 mark{
  background:var(--teal-dark);color:#fff;padding:2px 10px;border-radius:6px;box-decoration-break:clone;
  -webkit-box-decoration-break:clone;
}
.hero-left > p{font-size:17px;color:var(--text-muted);margin-bottom:28px;max-width:480px;}

.check-list{margin-bottom:0;}
.check-list li{
  display:flex;align-items:flex-start;gap:12px;margin-bottom:14px;font-size:15px;font-weight:600;color:var(--navy-soft);
}
.check-list .check-ico{
  width:24px;height:24px;border-radius:50%;background:var(--teal);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:13px;flex-shrink:0;margin-top:2px;
}

.hero-form-card{
  background:var(--navy);border-radius:20px;padding:36px;color:#fff;
  box-shadow:0 30px 60px -30px rgba(15,23,42,.5), 0 25px 55px -20px rgba(20,184,166,.4);
}
.hero-form-card h3{font-size:20px;margin-bottom:6px;}
.hero-form-card .sub{color:#94a3b8;font-size:14px;margin-bottom:22px;}
.hero-form-card input, .hero-form-card select{
  width:100%;padding:13px 14px;border-radius:8px;border:1px solid rgba(255,255,255,.18);
  background:rgba(255,255,255,.06);color:#fff;font-family:inherit;font-size:14px;margin-bottom:14px;
}
.hero-form-card input::placeholder{color:#94a3b8;}
.hero-form-card input:focus, .hero-form-card select:focus{outline:2px solid var(--teal);border-color:transparent;}
.hero-form-card button{
  width:100%;background:var(--teal);color:#fff;border:none;padding:14px;
  border-radius:8px;font-weight:700;font-size:15px;cursor:pointer;transition:background .2s;
}
.hero-form-card button:hover{background:var(--teal-dark);}
.hero-form-card .fine-print{font-size:11.5px;color:#64748b;margin-top:12px;line-height:1.5;}

.cta-dual{display:flex;gap:14px;flex-wrap:wrap;}
.btn-pill{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(15,23,42,.06);color:var(--navy);border:1px solid var(--border);
  padding:13px 24px;border-radius:999px;font-weight:600;font-size:14px;transition:background .2s;
}
.btn-pill:hover{background:rgba(15,23,42,.12);}
.btn-pill.on-dark{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.35);}
.btn-pill.on-dark:hover{background:rgba(255,255,255,.22);}

.hero-advisors{display:flex;align-items:center;gap:14px;margin-top:22px;}
.hero-avatars{display:flex;}
.hero-avatars img{
  width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:center 12%;
  border:3px solid #fff;box-shadow:0 4px 10px rgba(15,23,42,.15);
}
.hero-avatars img:nth-child(2){margin-left:-14px;}
.hero-advisors-text{font-size:14px;color:var(--navy-soft);}
.hero-advisors-text strong{color:var(--navy);}

.hero-location{display:flex;align-items:center;gap:8px;margin-top:14px;color:var(--text-muted);font-size:14px;font-weight:600;}
.hero-location svg{width:16px;height:16px;color:var(--teal-dark);flex-shrink:0;}

.local-badge{
  display:inline-flex;align-items:center;gap:8px;background:#ecfdfb;color:var(--teal-dark);
  padding:8px 16px;border-radius:999px;font-size:13px;font-weight:700;margin-bottom:16px;
}
.local-badge svg{width:15px;height:15px;flex-shrink:0;}

.hero-illustration{
  max-width:520px;margin:40px auto 0;
  border-radius:20px;overflow:hidden;
  box-shadow:0 30px 60px -30px rgba(15,23,42,.35), 0 25px 55px -20px rgba(20,184,166,.35);
}
.hero-illustration svg{width:100%;height:auto;}
.hero-illustration img{width:100%;height:320px;object-fit:cover;display:block;}

.offer-illustration{
  max-width:360px;margin-top:8px;
  border-radius:18px;overflow:hidden;
  box-shadow:0 25px 50px -25px rgba(0,0,0,.5), 0 20px 45px -18px rgba(20,184,166,.4);
}
.offer-illustration svg{width:100%;height:auto;}
.offer-illustration img{width:100%;height:280px;object-fit:cover;display:block;}

.bank-partners{border-bottom:1px solid var(--border);padding:34px 0;background:var(--bg-light);}
.bank-partners-label{text-align:center;font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--text-muted);margin-bottom:20px;}
.bank-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:12px;}
.bank-chip{
  display:flex;align-items:center;gap:9px;padding:10px 18px;
  border:1px solid var(--border);border-radius:10px;background:#fff;
  font-weight:700;font-size:13.5px;color:var(--navy-soft);
  box-shadow:0 10px 20px -16px rgba(15,23,42,.2);
}
.bank-chip .dot{width:10px;height:10px;border-radius:50%;flex-shrink:0;}

.trust-bar{border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:32px 0;}
.trust-grid{
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:24px;
}
.trust-item{
  display:flex;align-items:center;gap:12px;
  color:var(--navy-soft);font-size:14px;font-weight:600;
}
.trust-ico{
  width:38px;height:38px;border-radius:50%;flex-shrink:0;
  background:#ecfdfb;color:var(--teal-dark);
  display:flex;align-items:center;justify-content:center;
}
.trust-ico svg{width:19px;height:19px;}

/* Two big divided offer tiles */
.offer-split{display:grid;grid-template-columns:1fr 1fr;min-height:480px;}
.offer-tile{
  padding:72px 56px;display:flex;flex-direction:column;justify-content:center;
  position:relative;transition:filter .25s;overflow:hidden;
}
.offer-tile:hover{filter:brightness(1.04);}
.offer-tile.firms{background:var(--navy);color:#fff;}
.offer-tile.mortgage{background:var(--teal);color:#fff;}
.offer-tile > *{position:relative;z-index:1;}
.offer-tile::after{
  content:"";position:absolute;top:0;right:0;bottom:0;width:62%;
  background-repeat:no-repeat;background-position:right bottom;background-size:auto 100%;
  opacity:.45;z-index:0;filter:grayscale(.15);
  -webkit-mask-image:linear-gradient(to right, transparent 0%, rgba(0,0,0,.85) 45%, rgba(0,0,0,.95) 100%);
  mask-image:linear-gradient(to right, transparent 0%, rgba(0,0,0,.85) 45%, rgba(0,0,0,.95) 100%);
}
.offer-tile.firms::after{
  background-image:url('dawid-ekspert-finanse-firmowe.jpg');
}
.offer-tile.mortgage::after{
  background-image:url('dominika-ekspert-kredyty-hipoteczne.jpg');
}
.advisor-caption{
  position:absolute;bottom:28px;right:32px;z-index:1;text-align:right;
  background:rgba(0,0,0,.28);padding:8px 14px;border-radius:10px;backdrop-filter:blur(3px);
}
.advisor-caption .aname{display:block;font-weight:700;font-size:14px;color:#fff;}
.advisor-caption .arole{display:block;font-size:12px;color:rgba(255,255,255,.75);margin-top:2px;}
.advisor-caption .aphone{display:block;font-size:12px;color:#fff;margin-top:5px;font-weight:600;}
.offer-tile .tag{
  font-size:13px;font-weight:700;letter-spacing:1px;text-transform:uppercase;
  opacity:.8;margin-bottom:14px;
}
.offer-tile h2{font-size:30px;margin-bottom:16px;}
.offer-tile p{margin-bottom:28px;max-width:420px;opacity:.9;}
.offer-tile .btn-primary{align-self:flex-start;}
.offer-tile.firms .btn-primary{background:#fff;color:var(--navy);}
.offer-tile.firms .btn-primary:hover{background:#e2e8f0;}
.offer-tile.mortgage .btn-primary{background:#fff;color:var(--teal-dark);}
.offer-tile.mortgage .btn-primary:hover{background:#e2e8f0;}

#o-nas.section-bg{
  background:radial-gradient(circle at 15% 15%, #ecfdfb 0%, var(--bg-light) 45%);
}
.history-block{max-width:720px;margin:0 auto 48px;text-align:center;}
.history-year{
  display:inline-block;background:var(--navy);color:#fff;font-weight:700;
  font-size:13px;letter-spacing:.5px;padding:7px 18px;border-radius:999px;margin-bottom:16px;
}
.history-block p{color:var(--navy-soft);font-size:16px;line-height:1.75;}

.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.why-item{
  text-align:center;padding:36px 28px;background:#fff;border-radius:16px;
  border:1px solid var(--border);
  box-shadow:0 20px 40px -30px rgba(15,23,42,.15), 0 25px 50px -25px rgba(20,184,166,.35);
  position:relative;overflow:hidden;
}
.why-item::before{
  content:"";position:absolute;top:0;left:0;right:0;height:4px;
  background:linear-gradient(90deg,var(--teal),var(--navy));
}
.why-item .num{
  width:48px;height:48px;border-radius:50%;background:var(--teal);color:#fff;
  display:flex;align-items:center;justify-content:center;margin:0 auto 20px;font-weight:700;
  box-shadow:0 10px 20px -8px rgba(20,184,166,.5);
}
.why-item h3{font-size:18px;margin-bottom:10px;}
.why-item p{color:var(--text-muted);font-size:15px;}

.testimonial-grid{
  display:flex;gap:24px;overflow-x:auto;padding:4px 4px 18px;
  scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;
}
.testimonial-grid::-webkit-scrollbar{height:8px;}
.testimonial-grid::-webkit-scrollbar-track{background:var(--bg-light);border-radius:4px;}
.testimonial-grid::-webkit-scrollbar-thumb{background:var(--border);border-radius:4px;}
.testimonial-grid::-webkit-scrollbar-thumb:hover{background:var(--teal);}
.testimonial-card{
  background:#fff;border:1px solid var(--border);border-radius:16px;padding:32px;
  box-shadow:0 20px 45px -30px rgba(20,184,166,.4);
  flex:0 0 320px;scroll-snap-align:start;
}
.testimonial-stars{display:flex;gap:2px;color:var(--gold);margin-bottom:16px;}
.testimonial-stars svg{width:16px;height:16px;fill:currentColor;}
.testimonial-quote{color:var(--navy-soft);font-size:15px;line-height:1.65;margin-bottom:24px;}
.testimonial-author{display:flex;align-items:center;gap:12px;}
.testimonial-avatar{
  width:44px;height:44px;border-radius:50%;color:#fff;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;font-weight:700;font-size:15px;
}
.testimonial-author strong{display:block;font-size:14px;color:var(--navy);}
.testimonial-author span{font-size:13px;color:var(--text-muted);}

/* ===== OFFER SUBPAGES ===== */
.offer-hero{padding:90px 0 70px;color:#fff;}
.offer-hero.theme-firms{background:linear-gradient(160deg, var(--navy) 0%, #1e293b 100%);}
.offer-hero.theme-mortgage{background:linear-gradient(160deg, var(--teal-dark) 0%, var(--teal) 100%);}
.offer-hero .eyebrow{color:#fff;opacity:.85;}
.offer-hero h1{font-size:40px;margin-bottom:18px;max-width:640px;}
.offer-hero p{font-size:17px;opacity:.9;max-width:560px;margin-bottom:32px;}
.hero-flex{display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap;}
.hero-flex .hero-text-block{flex:1;min-width:300px;}
.hero-flex .offer-illustration{flex-shrink:0;margin-top:0;}

.expert-block{
  display:flex;align-items:center;gap:48px;background:#fff;
  border:1px solid var(--border);border-radius:20px;padding:44px;
  box-shadow:0 25px 50px -30px rgba(20,184,166,.35);max-width:920px;margin:0 auto;
}
.expert-photo{
  flex-shrink:0;width:170px;height:170px;border-radius:50%;overflow:hidden;
  box-shadow:0 15px 30px -12px rgba(15,23,42,.3);border:4px solid #fff;outline:1px solid var(--border);
}
.expert-photo img{width:100%;height:100%;object-fit:cover;object-position:center 18%;}
.expert-quote-icon{width:30px;height:30px;color:var(--teal);opacity:.5;margin-bottom:10px;}
.expert-quote{font-size:18px;line-height:1.65;color:var(--navy-soft);font-style:italic;margin-bottom:18px;}
.expert-author strong{display:block;font-size:16px;color:var(--navy);}
.expert-author span{font-size:14px;color:var(--text-muted);}

.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.feature-card{
  background:#fff;border:1px solid var(--border);border-radius:16px;padding:32px;
  box-shadow:0 20px 45px -30px rgba(20,184,166,.4);
}
.feature-card .icon{
  width:52px;height:52px;border-radius:14px;margin-bottom:18px;
  background:#ecfdfb;color:var(--teal-dark);
  display:flex;align-items:center;justify-content:center;
}
.feature-card .icon svg{width:26px;height:26px;}
.feature-card h3{font-size:18px;margin-bottom:10px;}
.feature-card p{color:var(--text-muted);font-size:15px;}

.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative;}
.steps-grid::before{
  content:"";position:absolute;top:53px;left:12.5%;right:12.5%;height:2px;z-index:0;
  background:linear-gradient(90deg, var(--border), var(--teal) 50%, var(--border));
}
.step-card{
  position:relative;z-index:1;text-align:center;background:#fff;
  border:1px solid var(--border);border-radius:16px;padding:30px 22px;
  box-shadow:0 20px 40px -30px rgba(15,23,42,.15), 0 20px 40px -25px rgba(20,184,166,.3);
}
.step-card .step-num{
  width:46px;height:46px;border-radius:50%;color:#fff;font-weight:700;font-size:17px;
  display:flex;align-items:center;justify-content:center;margin:0 auto 18px;
  box-shadow:0 10px 20px -8px rgba(20,184,166,.5);
}
.theme-firms-accent{background:var(--navy);}
.theme-mortgage-accent{background:var(--teal-dark);}
.step-card h4{margin-bottom:8px;font-size:16px;}
.step-card p{color:var(--text-muted);font-size:14px;line-height:1.55;}

.cta-band{
  color:#fff;border-radius:20px;padding:56px;
  display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;
}
.cta-band h2{font-size:26px;margin-bottom:8px;}
.cta-band p{color:#e2e8f0;}
.cta-band.theme-firms-bg{background:var(--navy);}
.cta-band.theme-mortgage-bg{background:var(--teal-dark);}

.contact-mini{
  background:#fff;border:1px solid var(--border);border-radius:16px;padding:32px;
  max-width:520px;margin:0 auto;
}

.contact-split{
  display:grid;grid-template-columns:.9fr 1.1fr;
  max-width:920px;margin:0 auto;border-radius:20px;overflow:hidden;
  box-shadow:0 30px 60px -30px rgba(15,23,42,.25), 0 25px 55px -20px rgba(20,184,166,.4);
}
.contact-panel{
  background:linear-gradient(160deg, var(--navy) 0%, var(--navy-soft) 100%);
  color:#fff;padding:44px 36px;
}
.contact-panel h3{font-size:22px;margin-bottom:12px;}
.contact-panel > p{color:#94a3b8;font-size:14px;margin-bottom:32px;}
.contact-row{display:flex;gap:14px;align-items:flex-start;margin-bottom:22px;}
.contact-row .cico{
  width:38px;height:38px;border-radius:50%;background:rgba(20,184,166,.18);color:var(--teal);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.contact-row .cico svg{width:18px;height:18px;}
.contact-row strong{display:block;font-size:13px;color:#94a3b8;font-weight:600;margin-bottom:2px;}
.contact-row a, .contact-row span.val{color:#fff;font-weight:600;font-size:15px;}
.contact-form-side{background:#fff;padding:44px 36px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px;}
.contact-mini input, .contact-mini textarea,
.contact-form-side input, .contact-form-side textarea{
  width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:8px;
  font-family:inherit;font-size:14px;
}
.contact-mini input:focus, .contact-mini textarea:focus,
.contact-form-side input:focus, .contact-form-side textarea:focus{outline:2px solid var(--teal);border-color:transparent;}
.contact-mini textarea, .contact-form-side textarea{min-height:110px;margin-bottom:20px;resize:vertical;}

/* FAQ accordion */
.faq-list{max-width:720px;margin:0 auto;}
.faq-item{
  border:1px solid var(--border);border-radius:12px;padding:4px 20px;margin-bottom:14px;background:#fff;
  box-shadow:0 15px 35px -28px rgba(20,184,166,.4);
}
.faq-item summary{
  cursor:pointer;list-style:none;padding:18px 0;font-weight:600;font-size:16px;
  display:flex;justify-content:space-between;align-items:center;
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";font-size:22px;color:var(--text-muted);font-weight:400;}
.faq-item[open] summary::after{content:"–";}
.faq-item p{color:var(--text-muted);padding-bottom:18px;font-size:15px;}

/* Legal / privacy policy page */
.legal-toc{background:var(--bg-light);border:1px solid var(--border);border-radius:14px;padding:24px 28px;margin-bottom:48px;}
.legal-toc strong{display:block;margin-bottom:12px;font-size:15px;}
.legal-toc ol{margin:0;padding-left:20px;columns:2;column-gap:24px;}
.legal-toc li{margin-bottom:6px;font-size:14px;break-inside:avoid;}
.legal-toc a{color:var(--text-muted);text-decoration:none;}
.legal-toc a:hover{color:var(--teal-dark);text-decoration:underline;}
.legal-content h2{font-size:20px;margin:40px 0 12px;color:var(--navy);}
.legal-content h2:first-of-type{margin-top:0;}
.legal-content p{color:var(--text-muted);font-size:15.5px;line-height:1.75;margin-bottom:14px;}
.legal-content ul{margin:0 0 16px;padding-left:20px;color:var(--text-muted);font-size:15.5px;line-height:1.75;}
.legal-content ul li{margin-bottom:6px;}
.legal-content a{color:var(--teal-dark);}

/* Lead form submit status */
.form-status{margin-top:10px;font-size:14px;font-weight:600;min-height:0;}

@media (max-width:860px){
  .legal-toc ol{columns:1;}
  .nav ul{
    position:fixed;top:73px;left:16px;right:16px;background:#fff;flex-direction:column;
    padding:10px;gap:2px;border-radius:16px;
    box-shadow:0 20px 45px -15px rgba(15,23,42,.25);border:1px solid var(--border);
    display:none;
  }
  .nav ul.open{display:flex;}
  .nav ul li{width:100%;}
  .nav ul li a{
    display:block;padding:14px 16px;border-radius:10px;font-weight:600;
    transition:background .15s, color .15s;
  }
  .nav ul li a:hover{background:var(--bg-light);color:var(--teal-dark);}
  .nav ul li a.active{background:#ecfdfb;color:var(--teal-dark);}
  .nav ul li + li{border-top:1px solid var(--border);margin-top:2px;padding-top:2px;}
  .menu-toggle{display:block;position:relative;width:26px;height:22px;}
  .menu-toggle span{
    position:absolute;left:0;right:0;height:2px;background:var(--navy);border-radius:2px;
    transition:transform .2s, opacity .2s;
  }
  .menu-toggle span:nth-child(1){top:0;}
  .menu-toggle span:nth-child(2){top:10px;}
  .menu-toggle span:nth-child(3){top:20px;}
  .menu-toggle.open span:nth-child(1){transform:translateY(10px) rotate(45deg);}
  .menu-toggle.open span:nth-child(2){opacity:0;}
  .menu-toggle.open span:nth-child(3){transform:translateY(-10px) rotate(-45deg);}
  .home-hero h1{font-size:32px;}
  .offer-split{grid-template-columns:1fr;}
  .why-grid, .feature-grid, .form-row, .steps-grid{grid-template-columns:1fr;}
  .steps-grid::before{display:none;}
  .cta-band{flex-direction:column;text-align:center;}
  .offer-hero h1{font-size:30px;}
  .hero-flex{flex-direction:column;text-align:center;}
  .hero-flex .offer-illustration{margin:0 auto;}
  .hero-split{grid-template-columns:1fr;}
  .hero-left{text-align:center;}
  .hero-left h1{font-size:30px;}
  .hero-left>p{margin-left:auto;margin-right:auto;}
  .check-list li{text-align:left;}
  .cta-dual{justify-content:center;}
  .hero-location{justify-content:center;}
  .contact-split{grid-template-columns:1fr;}
  .why-grid{grid-template-columns:1fr;}
  .testimonial-card{flex:0 0 82vw;}
  .expert-block{flex-direction:column;text-align:center;padding:32px;}
  .expert-photo{width:140px;height:140px;}
  .bank-chip{padding:8px 14px;font-size:12.5px;}
}