:root{--navy:#062b4f;--navy2:#0b3f70;--gold:#caa45d;--text:#1c2731;--muted:#66717b;--line:#e4e9ee;--light:#f4f7fa;--white:#fff;--ok:#1f7a60;--shadow:0 22px 70px rgba(4,31,57,.14);--radius:24px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.55}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.skip-link{position:absolute;left:-999px}.skip-link:focus{left:16px;top:16px;z-index:999;background:#fff;padding:10px;border:2px solid var(--navy)}
.topbar{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.nav{max-width:1180px;margin:auto;display:flex;align-items:center;justify-content:space-between;padding:13px 22px;gap:18px}.brand{display:flex;align-items:center;gap:12px;font-weight:850;letter-spacing:.08em;color:var(--navy)}.brand img{height:48px;width:48px;object-fit:contain;border-radius:10px}.links{display:flex;gap:19px;align-items:center;font-size:.94rem;color:#243340}.links a:hover{color:var(--navy2)}.navCta,.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:13px 18px;border-radius:999px;background:var(--navy);color:white;font-weight:750;border:0;cursor:pointer;box-shadow:0 10px 28px rgba(6,43,79,.18);transition:.2s}.btn:hover,.navCta:hover{transform:translateY(-1px);background:#041f39}.btn.secondary{background:white;color:var(--navy);border:1px solid #cfd9e3;box-shadow:none}.btn.gold{background:var(--gold);color:#062b4f}.menuBtn{display:none;background:white;border:1px solid var(--line);border-radius:12px;padding:8px 12px;font-size:1.4rem;color:var(--navy)}
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 20% 15%,#eaf2f9 0,#fff 35%,#f7f9fb 100%)}.hero:before{content:"";position:absolute;inset:auto -10% -42% -10%;height:70%;background:linear-gradient(135deg,rgba(6,43,79,.08),rgba(202,164,93,.08));transform:skewY(-5deg)}.wrap{max-width:1180px;margin:auto;padding:82px 22px;position:relative}.heroGrid{display:grid;grid-template-columns:1.08fr .92fr;gap:50px;align-items:center}.badge{display:inline-flex;gap:9px;align-items:center;background:#eef4fa;color:var(--navy);border:1px solid #d7e4ef;border-radius:999px;padding:8px 13px;font-weight:700;font-size:.88rem}h1{font-size:clamp(2.25rem,5vw,5.1rem);line-height:.98;margin:22px 0 18px;color:var(--navy);letter-spacing:-.06em}.lead{font-size:1.22rem;color:#43515d;max-width:720px;margin:0 0 28px}.heroActions{display:flex;gap:13px;flex-wrap:wrap;margin-top:28px}.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:32px}.trust div{background:rgba(255,255,255,.8);border:1px solid var(--line);border-radius:18px;padding:14px 16px;font-size:.92rem;color:#4d5963}.trust strong{display:block;color:var(--navy);font-size:1.05rem}.logoCard{background:white;border:1px solid var(--line);border-radius:34px;padding:34px;box-shadow:var(--shadow);position:relative}.logoCard img{width:100%;display:block}.miniPanel{position:absolute;right:18px;bottom:18px;background:var(--navy);color:white;border-radius:20px;padding:15px 17px;box-shadow:0 18px 45px rgba(0,0,0,.18);max-width:260px}.miniPanel span{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;color:#b8cee2}
.section{padding:74px 22px}.section.alt{background:var(--light)}.container{max-width:1180px;margin:auto}.sectionHead{display:flex;justify-content:space-between;gap:28px;align-items:end;margin-bottom:30px}.kicker{color:var(--gold);font-weight:850;letter-spacing:.16em;text-transform:uppercase;font-size:.78rem}h2{font-size:clamp(1.8rem,3.5vw,3rem);line-height:1.05;color:var(--navy);margin:8px 0 0;letter-spacing:-.035em}.sectionHead p{max-width:560px;color:var(--muted);margin:0}.cards,.toolGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card,.toolCard,.articleCard{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 12px 35px rgba(6,43,79,.06);transition:.18s}.card:hover,.toolCard:hover,.articleCard:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.icon{width:44px;height:44px;border-radius:14px;background:#edf5fb;display:grid;place-items:center;color:var(--navy);font-weight:900;margin-bottom:14px}.card h3,.toolCard h3,.articleCard h3{margin:0 0 8px;color:#0b345c;font-size:1.12rem}.card p,.toolCard p,.articleCard p{margin:0;color:#60707c;font-size:.96rem}.toolCard{padding:0;overflow:hidden}.toolCard img{width:100%;aspect-ratio:16/9;object-fit:cover}.toolBody{padding:24px}.pillRow{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0}.pill{font-size:.78rem;border:1px solid #d6e4ee;background:#edf5fb;color:var(--navy);border-radius:999px;padding:7px 10px;font-weight:800}.split{display:grid;grid-template-columns:.95fr 1.05fr;gap:34px;align-items:start}.panel{background:white;border:1px solid var(--line);border-radius:30px;padding:30px;box-shadow:var(--shadow)}.list{display:grid;gap:13px;margin-top:18px}.item{display:flex;gap:12px;align-items:flex-start;color:#43515d}.check{flex:0 0 24px;height:24px;border-radius:50%;background:#e8f4ef;color:var(--ok);display:grid;place-items:center;font-weight:900}.notice{background:#fff7e8;border:1px solid #f0dbac;color:#594427;border-radius:22px;padding:20px;margin-top:20px}.process{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.step{background:white;border:1px solid var(--line);border-radius:24px;padding:24px;position:relative}.num{font-size:2rem;font-weight:900;color:#dbe5ef;line-height:1}.step h3{color:var(--navy);margin:10px 0 8px}
.pageHero{background:linear-gradient(135deg,#f7fbff,#fff);border-bottom:1px solid var(--line)}.pageHero .wrap{padding:64px 22px}.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:16px}.breadcrumb a{color:var(--navy);font-weight:700}.featureMedia{border-radius:30px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}.featureMedia img{width:100%;height:100%;object-fit:cover}.articleGrid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.empty{padding:32px;border:1px dashed #cdd9e3;border-radius:22px;background:white;color:var(--muted)}
form{display:grid;gap:13px}label{font-weight:750;color:#263746;font-size:.9rem}input,textarea,select{width:100%;padding:13px 14px;border:1px solid #cfdae4;border-radius:14px;font:inherit;background:white;color:#1c2731}textarea{min-height:130px;resize:vertical}input:focus,textarea:focus,select:focus{outline:3px solid rgba(11,63,112,.14);border-color:var(--navy2)}.contactGrid{display:grid;grid-template-columns:.9fr 1.1fr;gap:22px;align-items:start}.contactBox{background:linear-gradient(145deg,var(--navy),#0e477a);color:white;border-radius:30px;padding:30px;box-shadow:var(--shadow)}.contactBox h3{font-size:1.65rem;margin:0 0 12px}.contactBox p{color:#d7e7f5}.contactLine{display:flex;gap:12px;align-items:center;margin:16px 0;color:white}.footer{background:#061d33;color:#c9d7e3;padding:34px 22px}.footer .container{display:flex;justify-content:space-between;gap:22px;flex-wrap:wrap;align-items:center}.footer strong{color:white}.footer a{text-decoration:underline;text-decoration-color:rgba(255,255,255,.3)}
@media(max-width:900px){.heroGrid,.split,.contactGrid{grid-template-columns:1fr}.cards,.toolGrid,.articleGrid{grid-template-columns:1fr 1fr}.process{grid-template-columns:1fr 1fr}.links{display:none;position:absolute;left:16px;right:16px;top:76px;background:white;border:1px solid var(--line);border-radius:20px;padding:16px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.links.is-open{display:flex}.menuBtn{display:block}.trust{grid-template-columns:1fr}}@media(max-width:620px){.cards,.process,.toolGrid,.articleGrid{grid-template-columns:1fr}.wrap{padding:56px 18px}.section{padding:56px 18px}.logoCard{padding:18px}.miniPanel{position:static;margin-top:16px}.brand span{font-size:.88rem}.pageHero .wrap{padding:48px 18px}}

.whatsappBtn{margin-top:16px;background:#25d366;color:#062b4f;box-shadow:0 14px 35px rgba(37,211,102,.25)}.whatsappBtn:hover{background:#1fbd59;color:#062b4f}.whatsappFloat{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:#25d366;color:#062b4f;display:grid;place-items:center;font-size:1.55rem;z-index:60;box-shadow:0 16px 45px rgba(0,0,0,.25);border:2px solid rgba(255,255,255,.8)}.whatsappFloat:hover{transform:translateY(-2px);filter:brightness(.98)}@media(max-width:620px){.whatsappFloat{right:16px;bottom:16px;width:54px;height:54px}}