:root{--navy:#082f63;--blue:#087dcc;--light:#eef8fd;--red:#9b1018;--text:#102a4d}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.48;background:#fff}a{text-decoration:none;color:inherit}.wrap{width:min(1160px,92%);margin:auto}
header{background:#fff}.top{height:102px;display:flex;align-items:center;justify-content:space-between}.logo{font:italic 46px Georgia,serif;color:#071f5d;line-height:.85}.logo b{font-style:normal;font-weight:400;color:#9b1018}.logo small{display:block;font:11px Arial,sans-serif;letter-spacing:1.8px;margin:11px 0 0 30px;color:#18345e}.contact{display:flex;gap:28px;color:#087dcc;font-size:14px}.contact a{white-space:nowrap}
.nav{border-top:1px solid #edf2f6;box-shadow:0 3px 12px #183b5e0b}.nav .wrap{display:flex;justify-content:center;gap:48px}.nav a,.dropbtn{padding:16px 22px;border:0;background:none;font:inherit;cursor:pointer}.nav a:hover,.dropbtn:hover{color:var(--blue)}.dropdown{position:relative}.dropdown-content{display:none;position:absolute;z-index:10;min-width:300px;background:#073c91;color:#fff;box-shadow:0 12px 25px #0002}.dropdown:hover .dropdown-content{display:block}.dropdown-content a{display:block;padding:12px 18px}.dropdown-content a:hover{background:#0b51b6;color:#fff}
.hero{background:linear-gradient(90deg,#eef9ff 0%,#fff 48%,#eaf4f9 100%)}.hero-grid{min-height:365px;display:grid;grid-template-columns:44% 56%;align-items:center}.hero-copy{padding:45px 25px 45px 0}.hero h1{font-size:52px;line-height:1.06;margin:0 0 20px;color:#0a3269;letter-spacing:-1.4px}.hero p{font-size:17px;margin:0 0 24px;max-width:530px}.btn{display:inline-block;background:var(--blue);color:#fff;font-weight:bold;padding:13px 25px;border-radius:28px}.hero-photo{height:365px;background:url('images/hero-v12.webp') center/cover no-repeat}
.section{padding:58px 0}.section h1,.section h2{color:#092f63}.section h1{font-size:42px}.section h2{font-size:34px;margin:0 0 28px}.under:after{content:"";display:block;width:48px;height:3px;background:var(--blue);margin-top:10px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{overflow:hidden;background:linear-gradient(#fff,#eef8fd);border-radius:5px;box-shadow:0 3px 14px #143a5c12}.card-photo{height:185px;background:center/cover no-repeat}.card-body{padding:22px 24px 26px}.card h3{font-size:23px;line-height:1.15;margin:0 0 12px}.card p{margin:0 0 15px}.more{color:#087dcc;font-weight:bold}
.feature-section{padding:5px 0 55px}.features{display:grid;grid-template-columns:repeat(3,1fr);gap:50px;text-align:center}.roundicon{width:76px;height:76px;margin:0 auto 12px;border-radius:50%;display:grid;place-items:center;background:#eaf7fd;color:#087dcc;font-size:34px}.features h3{margin:0 0 7px}.features p{max-width:300px;margin:auto}
.cta{background:linear-gradient(90deg,#0c4d8c,#0756a1);color:#fff;padding:28px 0}.cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:30px}.cta h2{margin:0;font-size:29px;line-height:1.08}.cta p{margin:8px 0 0}.cta .btn{background:#fff;color:#08336a}
.content-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}.side-photo{height:360px;background:center/cover no-repeat;border-radius:6px}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:35px}.contactbox{padding:28px;background:#f1f8fc;border-radius:8px}.map{width:100%;height:390px;border:0;border-radius:8px}
footer{background:#07366b;color:#fff;padding:27px 0 16px}.foot{display:grid;grid-template-columns:1.2fr 1.2fr 1.2fr 1fr;gap:30px;align-items:center}.foot .logo{color:#fff;font-size:36px}.foot .logo b{color:#ef6970}.foot-item{font-size:13px}.foot-item b{display:block;margin-bottom:4px}.legal{border-top:1px solid #ffffff35;margin-top:23px;padding-top:15px;display:flex;justify-content:space-between;gap:20px;font-size:12px}.legal-links{display:flex;gap:22px}
@media(max-width:800px){.top{height:80px}.logo{font-size:36px}.contact{display:none}.nav .wrap{gap:0;justify-content:space-between}.nav a,.dropbtn{font-size:13px;padding:13px 7px}.hero-grid{grid-template-columns:1fr}.hero-copy{padding:45px 0}.hero h1{font-size:40px}.hero-photo{height:260px}.cards,.features,.content-grid,.contact-grid,.foot{grid-template-columns:1fr}.cta .wrap{align-items:flex-start;flex-direction:column}.section{padding:45px 0}.legal{flex-direction:column}.dropdown-content{right:0}}

/* v1.3 — pełne, nieprzycięte ikony kart usług */
.card{position:relative;overflow:visible}
.card-photo{position:relative;border-radius:5px 5px 0 0}
.card-body{position:relative;padding-top:34px}
.service-icon{
  position:absolute;left:22px;top:-33px;width:66px;height:66px;border-radius:50%;
  display:grid;place-items:center;background:#087dcc;color:#fff;
  border:5px solid #fff;box-shadow:0 4px 12px #0b3b6828;z-index:5
}
.service-icon svg{width:31px;height:31px;display:block;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card-photo{background-size:cover;background-position:center}
@media(max-width:800px){.service-icon{width:60px;height:60px;top:-30px}.service-icon svg{width:28px;height:28px}}