:root{--navy:#071b31;--navy2:#0d2946;--orange:#ff731f;--white:#f8fbff;--muted:#b4c6d6;--line:#294764;--paper:#eef3f7;--ink:#10263b}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--navy);color:var(--white);line-height:1.5}a{color:inherit}button,input,select{font:inherit}button{cursor:pointer}.container{width:min(1180px,calc(100% - 40px));margin:auto}header{position:sticky;top:0;z-index:20;background:rgba(7,27,49,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:86px}.brand img{width:224px;height:auto;display:block}.navlinks{display:flex;gap:24px;align-items:center}.navlinks a{text-decoration:none;color:#dbe5ed;font-weight:600}.navlinks a:hover,.navlinks a[aria-current=page]{color:var(--orange)}.menu{display:none;background:none;border:1px solid var(--line);color:white;border-radius:9px;padding:8px 12px}.hero{position:relative;overflow:hidden;min-height:575px;display:flex;align-items:center;background:linear-gradient(90deg,rgba(7,27,49,.98) 0%,rgba(7,27,49,.89) 46%,rgba(7,27,49,.15) 100%),url('assets/biuro-muneris.png') center center/cover}.hero .container{position:relative}.eyebrow{text-transform:uppercase;letter-spacing:.16em;color:var(--orange);font-size:.85rem;font-weight:800;margin:0 0 18px}h1{font-size:clamp(2.5rem,5vw,5rem);line-height:1.07;letter-spacing:-.045em;max-width:760px;margin:0 0 22px}h1 em{font-style:normal;color:var(--orange)}.lead{font-size:1.22rem;max-width:600px;color:#d5e2ed}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;background:var(--orange);color:#091b2c;border:2px solid var(--orange);padding:13px 22px;border-radius:9px;font-weight:800}.btn.secondary{background:transparent;color:white;border-color:#7792a7}.btn:hover{filter:brightness(1.12)}section{padding:76px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:30px}.section-head h2,h2{font-size:clamp(2rem,3vw,3rem);line-height:1.13;letter-spacing:-.03em;margin:0 0 12px}.section-head p{max-width:660px;color:var(--muted);margin:0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:#102d4a;border:1px solid var(--line);border-radius:17px;padding:28px;min-height:245px}.card .num{font-size:.85rem;font-weight:800;color:var(--orange);letter-spacing:.12em}.card h3{font-size:1.45rem;line-height:1.2;margin:19px 0 12px}.card p{margin:0;color:#c7d7e3}.card a{display:inline-block;margin-top:20px;color:var(--orange);font-weight:700}.light{background:var(--paper);color:var(--ink)}.light .section-head p,.light .muted{color:#4d6476}.light .card{background:white;color:var(--ink);border-color:#d9e4ed}.light .card p{color:#52677a}.split{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}.photo{width:100%;border-radius:18px;display:block;box-shadow:0 20px 55px #061a2b33}.list{padding-left:23px;color:#cbdbe6}.list li{margin:9px 0}.light .list{color:#3c5368}.callout{border-left:5px solid var(--orange);padding:15px 22px;background:#153653;border-radius:0 12px 12px 0}.page-top{padding:70px 0 42px;background:linear-gradient(125deg,#071b31,#123758)}.page-top h1{max-width:900px}.page-top p{max-width:760px;color:#cbdbe7;font-size:1.1rem}.tabs{display:flex;gap:9px;flex-wrap:wrap;margin:0 0 28px}.tab{background:#163550;color:white;border:1px solid var(--line);padding:11px 17px;border-radius:8px}.tab.active{background:var(--orange);color:#071b31;border-color:var(--orange);font-weight:800}.calc-panel{display:none}.calc-panel.active{display:block}.workbench{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);gap:24px}.formbox,.resultbox{background:#102d4a;border:1px solid var(--line);border-radius:17px;padding:27px}.resultbox{position:sticky;top:110px;align-self:start}.formgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.field{display:flex;flex-direction:column;gap:6px}.field.wide{grid-column:1/-1}.field label{font-size:.92rem;color:#dce8ef;font-weight:700}.field input,.field select{width:100%;background:#071d32;color:white;border:1px solid #58718a;border-radius:8px;padding:12px 13px;min-height:49px}.field input:focus,.field select:focus{outline:2px solid var(--orange);outline-offset:2px}.hint{font-size:.87rem;color:var(--muted);margin:14px 0 0}.result-main{font-size:clamp(2rem,3.5vw,3.3rem);font-weight:800;color:var(--orange);line-height:1.1;margin:13px 0}.result-row{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-top:1px solid var(--line)}.result-row strong{text-align:right}.source-list a{color:#ffad76}.source-list li{margin:9px 0}.compare{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}.compare article{padding:18px;border:1px solid var(--line);border-radius:12px;background:#0a253e}.compare article.best{border-color:var(--orange)}.compare strong{display:block;font-size:1.25rem;color:var(--orange)}.docs{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.doc{padding:28px;border:1px solid var(--line);background:#102d4a;border-radius:16px}.doc h3{margin:0 0 10px}.doc p{color:var(--muted)}footer{border-top:1px solid var(--line);padding:44px 0;color:var(--muted)}footer .foot{display:flex;justify-content:space-between;align-items:center;gap:20px}footer img{width:225px}.small{font-size:.88rem;color:var(--muted)}@media(max-width:850px){.nav{min-height:75px}.brand img{width:190px}.menu{display:block}.navlinks{display:none;position:absolute;left:0;right:0;top:75px;background:var(--navy);padding:22px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}.navlinks.open{display:flex}.hero{min-height:620px;background:linear-gradient(90deg,rgba(7,27,49,.97),rgba(7,27,49,.7)),url('assets/biuro-muneris.png') center/cover}.grid,.split,.workbench,.docs{grid-template-columns:1fr}.resultbox{position:static}.section-head{display:block}.compare{grid-template-columns:1fr}section{padding:58px 0}}@media(max-width:520px){.container{width:min(100% - 28px,1180px)}.hero{min-height:570px}.formgrid{grid-template-columns:1fr}.field.wide{grid-column:auto}.card{min-height:auto}footer .foot{align-items:flex-start;flex-direction:column}h1{font-size:2.55rem}}
.brand{background:#eef3f7;border-radius:10px;padding:7px 10px;display:inline-block}.brand img{width:235px}.foot .brand img{width:235px}@media(max-width:520px){.brand img{width:174px}}

header .brand{background:transparent;padding:0;border-radius:0}header .brand img{width:206px;height:auto}@media(max-width:520px){header .brand img{width:180px}}
.pay-types{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:24px}.pay-type{padding:16px 12px;background:#173957;color:white;border:1px solid var(--line);border-radius:10px;font-weight:700}.pay-type.active{background:var(--orange);color:var(--navy);border-color:var(--orange)}.field[hidden]{display:none!important}.calc-error{background:#4d291f;border:1px solid #ed8b63;border-radius:9px;padding:13px;color:white;margin-top:17px}@media(max-width:700px){.pay-types{grid-template-columns:1fr}}

footer .brand{background:transparent;padding:0;border-radius:0}footer .brand img{width:206px;height:auto}
.tool-note{margin:24px 0 0;color:#41576a}.tool-note a{color:#a7410a;font-weight:700}.doc-extra{display:inline-block;margin:12px 0 0 14px;color:#ffb481;font-weight:700}.doc .btn{margin-top:8px}

.interest-breakdown{margin-top:22px}.interest-breakdown h3{font-size:1.05rem;margin:0 0 10px}.interest-breakdown .small{display:block;margin:7px 0;color:#c7d7e3}.interest-error{color:#ffd0b0!important}
.social-section{background:#0b2944;color:#fff}.social-section .container{display:flex;align-items:center;justify-content:space-between;gap:24px}.social-section h2{margin:0 0 12px}.social-section p{margin:0;color:#d1e0eb}.social-section .btn{flex-shrink:0}.foot-social{color:#ffad76;font-weight:700}.foot-social:hover,.foot-social:focus-visible{text-decoration:underline}@media(max-width:700px){.social-section .container{display:block}.social-section .btn{margin-top:24px}}

.contact-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.contact-card{padding:30px;border:1px solid var(--line);border-radius:16px;background:#102d4a;overflow-wrap:anywhere}.contact-card h2{font-size:1.35rem;margin:15px 0}.contact-card address{font-style:normal;line-height:1.7}.contact-card p{color:#d1e0eb}.contact-hours{font-size:1.55rem;font-weight:700;color:#ffad76!important}.contact-link{color:#ffad76;font-weight:700}.contact-link:hover,.contact-link:focus-visible{text-decoration:underline}@media(max-width:850px){.contact-grid{grid-template-columns:1fr}}

.client-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.client-card{padding:32px;background:#102d4a;border:1px solid var(--line);border-radius:16px}.client-card h2{margin:16px 0}.client-card p{color:#d1e0eb;min-height:3em}.client-card .btn{display:inline-block;margin-top:15px}@media(max-width:700px){.client-grid{grid-template-columns:1fr}.client-card p{min-height:0}}

.calc-links{padding:28px 0 0;display:flex;flex-wrap:wrap;gap:12px;align-items:center}.calc-links h2{font-size:1.1rem;width:100%;margin:0 0 4px}.calc-links a{border:1px solid var(--line);border-radius:8px;padding:10px 14px;text-decoration:none;color:#ffad76}.calc-links a:hover,.calc-links a:focus-visible{border-color:var(--orange)}main>.calc-links{padding-bottom:32px}

.useful-links{background:#0b2944}.useful-links h2{margin-bottom:24px}.useful-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.useful-card{display:flex;flex-direction:column;gap:5px;min-height:118px;padding:20px 22px;border:1px solid #45627c;border-radius:12px;background:#102d4a;text-decoration:none}.useful-card strong{color:#ffad76;font-size:1.2rem}.useful-card span{color:#d1e0eb}.useful-card:hover,.useful-card:focus-visible{border-color:var(--orange);background:#173957;outline-offset:3px}@media(max-width:700px){.useful-grid{grid-template-columns:1fr}.useful-card{min-height:96px}}

.generator-list{background:#0b2944}.generator-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:24px}.generator-card{display:flex;flex-direction:column;padding:24px;border-radius:14px;border:1px solid #45627c;background:#102d4a}.generator-card h3{margin:0 0 10px;font-size:1.3rem}.generator-card p{color:#d1e0eb}.generator-card .btn{align-self:flex-start;margin-top:auto}.generator-card small{display:block;margin-top:18px;color:#c3d4e0;font-size:.82rem}.generator-caution{color:#c3d4e0;margin:24px 0 0}.forms-list .docs{grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:24px}.forms-list .doc{padding:20px;border-radius:12px}.forms-list .doc h3{font-size:1.12rem;line-height:1.25}.forms-list .doc p{font-size:.92rem;margin:8px 0}.forms-list .doc .btn{padding:9px 13px;font-size:.9rem}.forms-list .doc .eyebrow{font-size:.72rem;margin-bottom:9px}.forms-list .doc-extra{font-size:.86rem}@media(max-width:950px){.forms-list .docs,.generator-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:650px){.forms-list .docs,.generator-grid{grid-template-columns:1fr}.generator-card .btn{margin-top:10px}}