:root{
  --navy:#062b57;
  --navy-2:#0b3b73;
  --gold:#dfa020;
  --gold-soft:#f8edd5;
  --text:#172033;
  --muted:#667085;
  --line:#e7ebf0;
  --soft:#f7f9fc;
  --white:#ffffff;
  --success:#1f9d62;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:Arial,Helvetica,sans-serif;
  color:var(--text);
  background:var(--white);
  line-height:1.65;
}
img{max-width:100%;display:block}
a{color:inherit}
.container{width:min(1140px,calc(100% - 40px));margin:auto}
.navbar{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.96);
  border-bottom:1px solid var(--line);
  backdrop-filter:blur(12px)
}
.nav-inner{min-height:80px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.logo img{width:210px}
.nav-links{display:flex;align-items:center;gap:26px}
.nav-links a{text-decoration:none;font-size:14px;font-weight:700;color:var(--navy)}
.nav-links a.active{color:var(--gold)}
.nav-cta{background:var(--navy);color:#fff!important;padding:10px 18px;border-radius:9px}

.hero{
  min-height:680px;
  display:flex;align-items:center;
  background:
    radial-gradient(circle at 85% 20%,rgba(223,160,32,.18),transparent 30%),
    linear-gradient(135deg,#f8fbff 0%,#fff 65%);
  overflow:hidden
}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:70px;align-items:center}
.kicker,.section-kicker{
  display:inline-block;color:var(--gold);
  text-transform:uppercase;letter-spacing:2.2px;
  font-size:12px;font-weight:800;margin-bottom:16px
}
h1{font-size:clamp(46px,6vw,76px);line-height:1.03;color:var(--navy);letter-spacing:-2px}
.hero p{font-size:19px;color:var(--muted);max-width:670px;margin:25px 0 32px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;padding:14px 23px;border-radius:10px;font-weight:800;transition:.2s}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-2);transform:translateY(-1px)}
.btn-outline{border:1px solid var(--navy);color:var(--navy);background:#fff}
.hero-panel{
  background:#fff;border:1px solid var(--line);border-radius:26px;
  padding:46px;box-shadow:0 30px 80px rgba(6,43,87,.14);text-align:center
}
.hero-panel img{max-width:470px;margin:auto}
.hero-panel .divider{height:4px;width:70px;background:var(--gold);border-radius:50px;margin:24px auto 18px}
.hero-panel p{font-size:14px;margin:0;color:var(--muted);font-weight:700}

.section{padding:92px 0}
.section-soft{background:var(--soft)}
.section-dark{background:var(--navy);color:#fff}
.section h2{font-size:clamp(32px,4vw,48px);line-height:1.12;color:var(--navy);margin-bottom:17px}
.section-dark h2{color:#fff}
.section-intro{max-width:760px;color:var(--muted);font-size:18px}
.center{text-align:center;margin-left:auto;margin-right:auto}

.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:42px}
.card{background:#fff;border:1px solid var(--line);border-radius:17px;padding:28px;min-height:220px}
.card-number{
  width:48px;height:48px;border-radius:12px;background:var(--gold-soft);
  color:var(--gold);display:grid;place-items:center;font-weight:900;margin-bottom:20px
}
.card h3{color:var(--navy);font-size:20px;margin-bottom:10px}
.card p{color:var(--muted);font-size:15px}

.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:65px;align-items:center}
.info-box{border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}
.info-row{display:grid;grid-template-columns:170px 1fr;gap:20px;padding:20px 24px;border-bottom:1px solid var(--line)}
.info-row:last-child{border-bottom:none}
.info-row span{color:var(--muted);font-size:14px}
.info-row strong{color:var(--navy)}

.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:38px}
.trust-item{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:22px}
.trust-item b{display:block;color:#fff;margin-bottom:6px}
.trust-item span{color:#d4dfeb;font-size:14px}

.contact-strip{
  background:var(--navy);color:#fff;border-radius:22px;
  padding:42px;display:grid;grid-template-columns:.9fr 1.1fr;gap:45px;align-items:center
}
.contact-strip h2{color:#fff}
.contact-list{display:grid;gap:12px}
.contact-item{
  text-decoration:none;color:#fff;
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.14);
  padding:16px 18px;border-radius:11px;
  display:flex;justify-content:space-between;gap:20px;align-items:center
}
.contact-item span{color:#cbd7e4;font-size:14px}
.contact-item strong{word-break:break-word}

.page-hero{padding:85px 0;background:linear-gradient(135deg,#f8fbff,#fff)}
.page-hero h1{font-size:clamp(38px,5vw,62px)}
.page-hero p{max-width:720px;color:var(--muted);font-size:18px;margin-top:18px}
.content{padding:70px 0}
.legal{max-width:900px}
.legal h2{font-size:28px;color:var(--navy);margin:34px 0 10px}
.legal h2:first-child{margin-top:0}
.legal p,.legal li{color:#4f5b6d}
.legal ul{padding-left:22px;margin:10px 0}
.notice{background:var(--gold-soft);border-left:4px solid var(--gold);padding:16px 18px;border-radius:8px;margin:22px 0}

.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:50px}
.contact-card{background:var(--soft);border:1px solid var(--line);border-radius:18px;padding:30px}
.contact-card h3{color:var(--navy);margin-bottom:16px}
.contact-card a{text-decoration:none}
.contact-detail{padding:15px 0;border-bottom:1px solid var(--line)}
.contact-detail:last-child{border-bottom:none}
.contact-detail span{display:block;color:var(--muted);font-size:13px}
.contact-detail strong{color:var(--navy)}
.form{display:grid;gap:16px}
.form label{font-size:14px;font-weight:700;color:var(--navy)}
.form input,.form textarea{
  width:100%;padding:14px;border:1px solid #d8dee7;border-radius:9px;
  font:inherit;outline:none
}
.form textarea{min-height:150px;resize:vertical}
.form input:focus,.form textarea:focus{border-color:var(--navy)}
.small{font-size:13px;color:var(--muted)}

footer{border-top:1px solid var(--line);padding:28px 0;background:#fff}
.footer-inner{display:flex;align-items:center;justify-content:space-between;gap:28px}
.footer-inner img{width:175px}
.footer-links{display:flex;gap:18px;flex-wrap:wrap}
.footer-links a{text-decoration:none;color:var(--muted);font-size:13px}
.copyright{color:var(--muted);font-size:13px}

.whatsapp{
  position:fixed;right:20px;bottom:20px;z-index:60;
  background:#25d366;color:#fff;text-decoration:none;
  padding:13px 18px;border-radius:999px;font-weight:800;
  box-shadow:0 12px 30px rgba(0,0,0,.18)
}

@media(max-width:950px){
  .hero-grid,.split,.contact-strip,.contact-grid{grid-template-columns:1fr}
  .cards,.trust-grid{grid-template-columns:repeat(2,1fr)}
  .hero{min-height:auto;padding:75px 0}
}
@media(max-width:680px){
  .container{width:min(100% - 28px,1140px)}
  .logo img{width:160px}
  .nav-links a:not(.nav-cta){display:none}
  .navbar .nav-inner{min-height:70px}
  h1{letter-spacing:-1px}
  .hero-panel{padding:26px}
  .section{padding:68px 0}
  .cards,.trust-grid{grid-template-columns:1fr}
  .info-row{grid-template-columns:1fr;gap:4px}
  .contact-strip{padding:28px}
  .contact-item{flex-direction:column;align-items:flex-start}
  .footer-inner{flex-direction:column;text-align:center}
  .footer-links{justify-content:center}
}