/* Program poleceń — ubezpieczenia (wersja 2, bardziej jak w klimatyzacji) */

.insurance-referral-section{
  position:relative;
  background:
    radial-gradient(circle at 0% 100%, rgba(245,124,0,.08), transparent 28%),
    radial-gradient(circle at 100% 0%, rgba(92,184,92,.10), transparent 30%),
    linear-gradient(180deg,#ffffff 0%,#f6faf7 100%);
}

.insurance-referral-hero{
  display:grid;
  grid-template-columns:1.12fr .88fr;
  gap:32px;
  align-items:center;
  padding:40px;
  margin-bottom:26px;
  border-radius:32px;
  border:1px solid rgba(47,49,54,.10);
  background:linear-gradient(135deg,#fff,#f5f7f8);
  box-shadow:0 22px 64px rgba(31,35,41,.10);
}

.insurance-referral-title{margin-bottom:18px}
.insurance-referral-lead{
  margin:0 0 26px;
  max-width:720px;
  font-size:clamp(20px,2.4vw,24px);
  line-height:1.2;
  letter-spacing:-.035em;
  font-weight:650;
  color:var(--graphite,#2F3136);
}
.insurance-referral-actions{display:flex;flex-wrap:wrap;gap:14px}

.insurance-referral-shield{
  display:grid;
  place-items:center;
  min-height:280px;
}
.shield-shell{
  width:min(100%,320px);
  aspect-ratio:1/1;
  display:grid;
  place-items:center;
  clip-path:polygon(50% 0%, 88% 15%, 100% 47%, 88% 82%, 50% 100%, 12% 82%, 0% 47%, 12% 15%);
  background:linear-gradient(135deg,#fefefe,#c5cad0 45%,#6e7781 100%);
  box-shadow:0 24px 60px rgba(31,35,41,.20);
  padding:14px;
}
.shield-inner{
  width:100%;height:100%;
  clip-path:polygon(50% 0%, 88% 15%, 100% 47%, 88% 82%, 50% 100%, 12% 82%, 0% 47%, 12% 15%);
  background:linear-gradient(135deg,#20242b,#565f69);
  display:grid;place-items:center;
  color:#fff;
}
.shield-inner svg{width:46%;height:46%}

.insurance-referral-table-card{
  overflow:hidden;
  border-radius:30px;
  border:1px solid #dfe5e6;
  background:#fff;
  box-shadow:0 22px 60px rgba(31,35,41,.10);
}
.insurance-referral-table-head{
  display:grid;
  grid-template-columns:1.1fr .9fr;
  background:linear-gradient(135deg,var(--graphite,#2F3136),var(--graphite-2,#1f2329));
  color:#fff;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.03em;
}
.insurance-referral-table-head > div{
  padding:22px 28px;
  font-size:clamp(16px,1.6vw,20px);
}
.insurance-referral-table-head > div:last-child{
  border-left:1px solid rgba(255,255,255,.12);
}
.insurance-referral-row{
  display:grid;
  grid-template-columns:1.1fr .9fr;
  align-items:center;
  border-top:1px solid #ebeff0;
}
.insurance-referral-row:nth-child(even){background:#fafbfb}
.insurance-type,
.insurance-premium{
  padding:18px 28px;
  font-size:clamp(18px,1.7vw,20px);
  font-weight:650;
}
.insurance-type{
  display:flex;align-items:center;gap:16px;
  color:#181c22;
  text-transform:uppercase;
  line-height:1.2;
}
.insurance-type small{font-size:.7em; font-weight:800; text-transform:none}
.insurance-mini-icon{
  flex:0 0 auto;
  width:48px;height:48px;
  display:grid;place-items:center;
  border-radius:50%;
  background:#fff;
  border:1px solid #dfe5e6;
  box-shadow:0 10px 20px rgba(31,35,41,.06);
  font-size:22px;
}
.insurance-premium{
  border-left:1px solid #ebeff0;
  color:#20242b;
}
.insurance-premium strong{
  color:var(--green,#5CB85C);
  font-size:1.7em;
  letter-spacing:-.04em;
  line-height:1;
}

/* Benefits row – styl bliższy klimatyzacji */
.insurance-referral-benefits{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:0;
  margin:28px 0;
  border-radius:28px;
  overflow:hidden;
  border:1px solid #dfe5e6;
  background:#fff;
  box-shadow:0 18px 50px rgba(31,35,41,.08);
}
.insurance-benefit{
  display:flex;
  align-items:center;
  gap:18px;
  padding:24px 24px;
  border-right:1px solid #ebeff0;
}
.insurance-benefit:last-child{border-right:0}
.insurance-benefit-icon{
  flex:0 0 auto;
  width:72px;
  height:72px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:linear-gradient(135deg,var(--green,#5CB85C),var(--green-dark,#248C3B));
  box-shadow:0 14px 28px rgba(92,184,92,.26);
  color:#fff;
  font-size:30px;
}
.insurance-benefit strong{
  display:block;
  margin-bottom:6px;
  color:var(--graphite,#2F3136);
  font-size:18px;
  font-weight:850;
  line-height:1.15;
  letter-spacing:-.02em;
  text-transform:none;
}
.insurance-benefit span{
  display:block;
  color:var(--muted,#69717c);
  font-size:16px;
  line-height:1.35;
}

/* CTA – jaśniejsze, podobne do klimatyzacji */
.insurance-referral-cta{
  display:grid;
  grid-template-columns:auto 1fr auto;
  gap:24px;
  align-items:center;
  padding:28px 30px;
  border-radius:30px;
  background:#fff;
  color:var(--graphite,#2F3136);
  border:1px solid #dfe5e6;
  box-shadow:0 20px 56px rgba(31,35,41,.10);
}
.insurance-referral-cta-icon{
  width:84px;
  height:84px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:linear-gradient(135deg,var(--green,#5CB85C),var(--green-dark,#248C3B));
  color:#fff;
  font-size:42px;
  box-shadow:0 16px 34px rgba(92,184,92,.26);
}
.insurance-referral-cta h3{
  margin:0;
  font-size:clamp(28px,3vw,48px);
  line-height:1;
  letter-spacing:-.04em;
  color:var(--graphite,#2F3136);
}
.insurance-referral-cta h3 span{color:var(--orange,#F57C00)}
.insurance-referral-cta p{
  margin:10px 0 0;
  font-size:18px;
  color:var(--muted,#69717c);
}

/* i jako zwykła notka na końcu sekcji */
.insurance-referral-note{
  max-width:980px;
  margin:20px auto 0;
  text-align:center;
  color:var(--muted,#69717c);
  font-size:14px;
  line-height:1.6;
}

@media (max-width: 1060px){
  .insurance-referral-hero,
  .insurance-referral-table-head,
  .insurance-referral-row,
  .insurance-referral-benefits,
  .insurance-referral-cta{
    grid-template-columns:1fr;
  }
  .insurance-referral-table-head > div:last-child,
  .insurance-premium{border-left:0}
  .insurance-benefit{
    border-right:0;
    border-bottom:1px solid #ebeff0;
  }
  .insurance-benefit:last-child{border-bottom:0}
}

@media (max-width: 720px){
  .insurance-referral-hero{padding:24px;border-radius:24px}
  .insurance-referral-table-card,
  .insurance-referral-cta{border-radius:24px}
  .insurance-referral-table-head > div,
  .insurance-type,
  .insurance-premium{padding:16px 18px}
  .insurance-type,
  .insurance-premium{font-size:17px}
  .insurance-mini-icon{width:42px;height:42px;font-size:20px}
  .insurance-premium strong{font-size:1.45em}
  .insurance-referral-cta{text-align:center}
  .insurance-referral-cta-icon{margin-inline:auto}
}