:root{--navy:#0a2351;--navy2:#0f3170;--blue:#1d5fe0;--sky:#e8f0ff;--amber:#ffb703;--amber2:#f59e0b;--ink:#1b2437;--muted:#5b6578;--line:#e3e8f2;--bg:#fff;--soft:#f5f8fe;--ok:#12a36b;--r:16px;--sh:0 10px 30px rgba(10,35,81,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
img,svg{max-width:100%;height:auto}a{color:var(--blue)}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,5vw,3.25rem);font-weight:800}h2{font-size:clamp(1.55rem,3.4vw,2.3rem);font-weight:800}h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);background:var(--sky);padding:.35em .9em;border-radius:99px;margin-bottom:1em}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px 12px;z-index:99}
/* topo */
.topbar{background:var(--navy);color:#cfe0ff;font-size:.88rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:74px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.2rem;line-height:1.1}
.logo small{display:block;font-weight:600;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--blue)}
nav.main ul{list-style:none;display:flex;gap:6px;margin:0;padding:0;align-items:center}
nav.main a{display:block;padding:.55em .85em;text-decoration:none;color:var(--ink);font-weight:600;font-size:.96rem;border-radius:8px}
nav.main a:hover,nav.main a[aria-current]{color:var(--blue);background:var(--sky)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font-size:1rem;cursor:pointer;color:var(--navy);font-weight:700}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55em;padding:.85em 1.5em;border-radius:12px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit;transition:transform .15s,box-shadow .15s}
.btn:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(0,0,0,.15)}
.btn-primary{background:var(--amber);color:#1b1500}.btn-primary:hover{background:var(--amber2)}
.btn-zap{background:#18b85a;color:#fff}.btn-zap:hover{background:#12a04d}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-sm{padding:.6em 1.1em;font-size:.93rem}
/* hero */
.hero{background:radial-gradient(1200px 500px at 80% -10%,#2a6af0 0,transparent 60%),linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:64px 0 90px;position:relative;overflow:hidden}
.hero h1{color:#fff}.hero p.lead{font-size:1.18rem;color:#d6e4ff;max-width:34em}
.hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:center}
.hero .eyebrow{background:rgba(255,255,255,.12);color:#fff}
.hero ul.checks{list-style:none;padding:0;margin:1.2em 0 1.8em;display:grid;gap:.5em}
.hero ul.checks li{padding-left:1.9em;position:relative;color:#e8f0ff}
.hero ul.checks li:before,.ticks li:before{content:"";position:absolute;left:0;top:.3em;width:1.15em;height:1.15em;border-radius:50%;background:var(--ok) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/70% no-repeat}
.quote{background:#fff;color:var(--ink);border-radius:20px;padding:28px;box-shadow:0 25px 60px rgba(0,0,0,.28)}
.quote h2{font-size:1.35rem;margin-bottom:.2em}.quote p.sm{color:var(--muted);font-size:.92rem;margin-bottom:1.1em}
.quote label{display:block;font-size:.85rem;font-weight:700;color:var(--navy);margin:.8em 0 .25em}
.quote select,.quote input{width:100%;padding:.8em .9em;border:1.5px solid var(--line);border-radius:10px;font-size:1rem;font-family:inherit;background:#fff;color:var(--ink)}
.quote select:focus,.quote input:focus{outline:2px solid var(--blue);border-color:var(--blue)}
.quote .btn{width:100%;margin-top:1.1em}
.quote .nota{font-size:.78rem;color:var(--muted);margin:.8em 0 0}
/* faixas */
.strip{margin-top:-46px;position:relative;z-index:2}
.strip .grid{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-radius:20px;box-shadow:var(--sh);overflow:hidden}
.strip .it{padding:24px 22px;display:flex;gap:14px;align-items:flex-start;border-right:1px solid var(--line)}
.strip .it:last-child{border-right:0}
.ico{flex:0 0 46px;height:46px;border-radius:12px;background:var(--sky);display:grid;place-items:center;color:var(--blue)}
.ico svg{width:24px;height:24px}
.strip b{display:block;color:var(--navy);line-height:1.25}.strip span{font-size:.88rem;color:var(--muted);line-height:1.4;display:block;margin-top:2px}
section.sec{padding:84px 0}.alt{background:var(--soft)}
.center{text-align:center;max-width:44em;margin:0 auto 2.4em}.center p{color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;transition:transform .2s,box-shadow .2s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.card .ico{margin-bottom:16px}.card p{color:var(--muted);font-size:.97rem;flex:1}
.card a.more{font-weight:700;text-decoration:none;color:var(--blue)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.ticks{list-style:none;padding:0;margin:1em 0 1.5em;display:grid;gap:.6em}.ticks li{position:relative;padding-left:1.9em}
.panel{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border-radius:24px;padding:40px;position:relative;overflow:hidden}
.panel h3{color:#fff;font-size:1.5rem}.panel p{color:#d6e4ff}
.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:22px}
.stats div{background:rgba(255,255,255,.1);border-radius:14px;padding:16px}.stats b{display:block;font-size:1.9rem;color:var(--amber);line-height:1}.stats span{font-size:.85rem;color:#d6e4ff}
.avatar{width:84px;height:84px;border-radius:50%;background:var(--amber);color:var(--navy);display:grid;place-items:center;font-weight:800;font-size:1.9rem;margin-bottom:16px;border:4px solid rgba(255,255,255,.35)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:s}
.step{background:#fff;border-radius:var(--r);padding:28px;border:1px solid var(--line);position:relative}
.step:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;margin-bottom:14px}
.step p{color:var(--muted);font-size:.97rem;margin:0}
.pills{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.pill{background:#fff;border:1px solid var(--line);border-radius:99px;padding:.7em 1.5em;font-weight:700;color:var(--navy);text-decoration:none}
.pill:hover{border-color:var(--blue);color:var(--blue)}
.faq{max-width:50em;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 28px 18px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--blue)}
.faq details[open] summary:after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:6px}
.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:26px;padding:52px 40px;text-align:center}
.cta h2{color:#fff}.cta p{color:#d6e4ff;max-width:36em;margin:0 auto 1.6em}
.cta .btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.pagehead{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:54px 0}
.pagehead h1{color:#fff;font-size:clamp(1.8rem,4vw,2.6rem);margin-bottom:.3em}.pagehead p{color:#d6e4ff;max-width:42em;margin:0}
.crumbs{font-size:.88rem;margin-bottom:14px;color:#a9c3f5}.crumbs a{color:#cfe0ff}
.resposta{background:var(--sky);border-left:5px solid var(--blue);border-radius:12px;padding:18px 22px;margin:0 0 2em;color:var(--ink)}
.prose{max-width:50em}.prose h2{font-size:1.6rem;margin-top:1.6em}.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}
.aviso{font-size:.88rem;color:var(--muted);background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-top:2em}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px}
footer.site{background:#071a3d;color:#b8c7e6;padding:60px 0 0;font-size:.95rem}
footer.site .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:36px}
footer.site h3{color:#fff;font-size:1rem;margin-bottom:.8em}footer.site a{color:#b8c7e6;text-decoration:none}footer.site a:hover{color:#fff}
footer.site ul{list-style:none;margin:0;padding:0;display:grid;gap:.45em}
footer.site .legal{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding:22px 0;font-size:.82rem;color:#8fa3cc}
.zap-fab{position:fixed;right:18px;bottom:18px;z-index:60;width:60px;height:60px;border-radius:50%;background:#18b85a;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.3)}
.zap-fab svg{width:32px;height:32px;fill:#fff}
@media(max-width:960px){
 .hero .grid,.split,.contact-grid{grid-template-columns:1fr}.hero{padding:44px 0 80px}
 .strip .grid{grid-template-columns:1fr 1fr}.strip .it:nth-child(2){border-right:0}.strip .it:nth-child(-n+2){border-bottom:1px solid var(--line)}
 .steps{grid-template-columns:1fr}footer.site .cols{grid-template-columns:1fr 1fr}
 .menu-btn{display:block}
 nav.main{display:none;position:absolute;left:0;right:0;top:74px;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 18px;box-shadow:var(--sh)}
 nav.main.open{display:block}nav.main ul{flex-direction:column;align-items:stretch}
 section.sec{padding:60px 0}
}
@media(max-width:560px){body{font-size:16px}.strip .grid{grid-template-columns:1fr}.strip .it{border-right:0!important;border-bottom:1px solid var(--line)}footer.site .cols{grid-template-columns:1fr}.topbar .hide-m{display:none}.cta{padding:38px 22px}.panel{padding:28px}.hdr-cta{display:none}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}