:root{
  --blue:#0B4F8A;
  --blue2:#083A66;
  --yellow:#FFC400;
  --bg:#F4F7FB;
  --card:#FFFFFF;
  --text:#0F1F2E;
  --muted:#5F6F82;
  --line:#E4ECF5;
  --shadow: 0 14px 40px rgba(2, 20, 40, .08);
  --shadow2: 0 10px 26px rgba(2, 20, 40, .10);
  --radius: 18px;
  --radius2: 14px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);scroll-behavior:smooth}
a{color:inherit;text-decoration:none}
a:hover{text-decoration:none;opacity:.92}
img{max-width:100%;height:auto;display:block}

.container{max-width:1120px;margin:0 auto;padding:22px}
/* NAV */
.nav{
  position:sticky;top:0;z-index:99;
  backdrop-filter: blur(10px);
  background:rgba(244,247,251,.78);
  border-bottom:1px solid var(--line);
}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:14px}
.brand{display:flex;align-items:center;gap:10px;font-weight:900;letter-spacing:.2px}
.brand small{display:block;font-weight:700;color:var(--muted);letter-spacing:.1px;margin-top:-2px}
.logo{
  width:42px;height:42px;border-radius:18px;
  background: radial-gradient(120% 120% at 15% 15%, #FFF1B3 0%, var(--yellow) 35%, #FFDE6A 100%);
  border:1px solid rgba(255,196,0,.55);
  box-shadow: 0 10px 22px rgba(255,196,0,.18);
  display:grid;place-items:center;
}
.logo .mark{
  width:22px;height:14px;border-radius:5px;
  background: linear-gradient(135deg, #2B86FF 0%, var(--blue) 75%);
  position:relative;
  box-shadow: 0 8px 18px rgba(11,79,138,.18);
}
.logo .mark:after{
  content:"";position:absolute;left:-7px;top:4px;
  width:10px;height:8px;border-radius:4px;background:#fff;border:1px solid #EAF2FB;
}
.links{display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.links a{
  padding:9px 12px;border-radius:12px;
  color:var(--text);font-weight:800;
  border:1px solid transparent;
}
.links a.active,.links a:hover{
  background:rgba(11,79,138,.08);
  border-color:rgba(11,79,138,.10);
}

/* HERO */
.hero{
  padding:34px 0 6px;
}
.hero-wrap{
  border-radius:28px;
  background:
    radial-gradient(1200px 700px at 10% 0%, rgba(255,196,0,.26), transparent 55%),
    radial-gradient(1000px 600px at 90% 10%, rgba(11,79,138,.22), transparent 55%),
    linear-gradient(180deg, rgba(255,255,255,.9), rgba(255,255,255,.72));
  border:1px solid rgba(228,236,245,.9);
  box-shadow: var(--shadow);
  overflow:hidden;
}
.hero-inner{
  display:grid;gap:18px;
  grid-template-columns: 1fr;
  padding:26px;
}
@media(min-width:900px){
  .hero-inner{grid-template-columns: 1.15fr .85fr; padding:34px}
}
.badge{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(255,196,0,.18);
  border:1px solid rgba(255,196,0,.38);
  color:#6b4f00;
  padding:8px 12px;border-radius:999px;
  font-weight:900;
}
.h1{font-size:44px;line-height:1.08;margin:10px 0 10px;letter-spacing:-.6px}
@media(max-width:520px){.h1{font-size:34px}}
.sub{font-size:18px;color:var(--muted);max-width:720px;margin:0 0 10px}

.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:16px 0 4px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:12px 14px;border-radius:16px;
  border:1px solid var(--line);
  background:#fff;font-weight:900;color:var(--text);
  box-shadow: 0 10px 22px rgba(2,20,40,.06);
  transition: transform .18s ease, box-shadow .18s ease, filter .18s ease;
}
.btn:hover{transform:translateY(-1px);box-shadow:var(--shadow2)}
.btn.primary{
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue2) 85%);
  color:#fff;border:none;
}
.btn.ghost{background:transparent}
.btn .pill{
  padding:4px 10px;border-radius:999px;
  background:rgba(255,255,255,.18);
  border:1px solid rgba(255,255,255,.22);
  font-size:12px;font-weight:900;
}

.hero-side{
  display:grid;gap:12px;align-content:start;
}
.phone{
  border-radius:24px;
  background: linear-gradient(180deg, #0A4F8B 0%, #072F54 100%);
  padding:14px;
  box-shadow: var(--shadow);
  border:1px solid rgba(11,79,138,.22);
}
.screen{
  border-radius:18px;
  background:#fff;
  border:1px solid rgba(228,236,245,.9);
  padding:14px;
}
.mini-title{font-weight:1000;margin:0 0 8px}
.mini{
  display:grid;gap:10px;
}
.tile{
  border:1px solid var(--line);
  border-radius:16px;
  background: linear-gradient(180deg, #fff, #f9fbff);
  padding:12px;
}
.tile b{display:block}
.tile span{color:var(--muted);font-size:13px}

.hr{height:1px;background:var(--line);margin:22px 0}

/* SECTIONS */
.section{padding:18px 0}
.section h2{
  font-size:28px;letter-spacing:-.3px;margin:0 0 10px
}
.section p.lead{color:var(--muted);margin:0 0 16px;max-width:820px}

.grid{
  display:grid;grid-template-columns:repeat(12,1fr);gap:14px;margin:14px 0 0;
}
.card{
  grid-column: span 12;
  background:var(--card);
  border:1px solid var(--line);
  border-radius: var(--radius);
  padding:16px;
  box-shadow: 0 10px 24px rgba(2,20,40,.05);
  transition: transform .18s ease, box-shadow .18s ease;
}
.card:hover{transform:translateY(-2px);box-shadow: var(--shadow2)}
.card h3{margin:0 0 8px;font-size:18px}
.card p{margin:0;color:var(--muted)}
@media(min-width:860px){
  .card.third{grid-column: span 4;}
  .card.half{grid-column: span 6;}
  .card.twothirds{grid-column: span 8;}
}

.icon{
  width:40px;height:40px;border-radius:14px;
  display:grid;place-items:center;
  background: rgba(11,79,138,.08);
  border:1px solid rgba(11,79,138,.12);
  margin-bottom:10px;
  font-size:18px;
}

.kpis{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px}
.kpi{
  background:#fff;border:1px solid var(--line);
  border-radius:16px;padding:10px 12px;min-width:200px
}
.kpi b{display:block}
.kpi span{color:var(--muted);font-size:13px}

.steps{display:grid;gap:10px;margin-top:10px}
.step{
  background:#fff;border:1px solid var(--line);
  border-radius:18px;padding:12px;
  display:flex;gap:12px;align-items:flex-start
}
.n{
  width:32px;height:32px;border-radius:14px;
  background:rgba(255,196,0,.22);
  border:1px solid rgba(255,196,0,.35);
  color:#6b4f00;
  display:grid;place-items:center;
  font-weight:1000;
}

.faq details{
  background:#fff;border:1px solid var(--line);
  border-radius:18px;padding:12px 14px;
}
.faq details+details{margin-top:10px}
.faq summary{
  cursor:pointer;font-weight:1000;list-style:none;
}
.faq summary::-webkit-details-marker{display:none}
.faq p{margin:8px 0 0;color:var(--muted)}

.notice{
  background:#fff;
  border:1px dashed rgba(11,79,138,.35);
  border-radius:18px;
  padding:12px 14px;
  color:var(--muted);
}

.footer{
  border-top:1px solid var(--line);
  padding:18px 0 30px;
  color:var(--muted);
  font-size:13px;
  margin-top:26px;
}
.small{font-size:13px;color:var(--muted)}
.page-title{font-size:32px;margin:18px 0 8px;letter-spacing:-.3px}
.meta{color:var(--muted);font-size:13px;margin-bottom:16px}

/* Buttons inside text areas */
.inline-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:12px}
.chip{
  display:inline-flex;align-items:center;gap:8px;
  padding:10px 12px;border-radius:999px;
  background:#fff;border:1px solid var(--line);
  box-shadow: 0 10px 22px rgba(2,20,40,.05);
  font-weight:900;
}
.chip .dot{
  width:10px;height:10px;border-radius:999px;background:var(--yellow);
  box-shadow:0 0 0 3px rgba(255,196,0,.22);
}