:root{
  --navy:#083b77;--blue:#0c4ea3;--gold:#d5ad5f;--gold-soft:#fff5df;
  --red:#ef3155;--green:#19a94b;--ink:#12253f;--muted:#617087;
  --line:#e5eaf0;--bg:#f7f9fc;--white:#fff;--shadow:0 14px 40px rgba(12,51,92,.12)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.5}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
.container{width:min(1180px,calc(100% - 32px));margin-inline:auto}

.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.nav-wrap{height:82px;display:flex;align-items:center;gap:28px}
.brand img{width:190px}
.main-nav{display:flex;align-items:center;gap:22px;margin-left:auto;font-size:.92rem;font-weight:700}
.main-nav a{padding:10px 0;position:relative}
.main-nav a.active:after{content:"";position:absolute;left:0;right:0;bottom:4px;height:3px;border-radius:4px;background:var(--blue)}
.menu-toggle{display:none;margin-left:auto;border:0;background:none;font-size:1.8rem;color:var(--navy)}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:13px 22px;border-radius:999px;font-weight:700;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--red);color:#fff}
.btn-whatsapp{background:var(--green);color:#fff}
.btn-secondary{background:#fff;color:var(--blue);border-color:#cbd8e8}
.header-cta{white-space:nowrap;font-size:.9rem}

.hero{background:linear-gradient(125deg,#062f63 0%,#0c4e94 48%,#ffffff 48.2%);overflow:hidden}
.hero-grid{min-height:520px;display:grid;grid-template-columns:1.02fr .98fr;align-items:center}
.hero-copy{color:#fff;padding:56px 74px 56px 0}
.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.12em;color:var(--blue)}
.eyebrow.light{color:#c8ddff}
.hero-copy .eyebrow{color:#ffd772}
.hero h1{font-size:clamp(2.7rem,5vw,4.8rem);line-height:.98;margin:12px 0 18px;max-width:650px}
.hero h1 strong{color:#ffd56b}
.hero-lead{font-size:1.2rem;max-width:500px;color:#e7f1fb}
.signature{font-family:Georgia,serif;font-style:italic;font-size:1.55rem;color:#fff;margin:24px 0 28px;max-width:470px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.hero-visual{position:relative;align-self:stretch;display:flex;align-items:center;justify-content:center;padding:36px}
.hero-visual img{width:100%;height:100%;max-height:440px;object-fit:cover;border-radius:30px;box-shadow:var(--shadow)}
.hero-note{position:absolute;right:14px;bottom:48px;background:rgba(255,255,255,.95);color:var(--navy);padding:14px 18px;border-radius:16px;font-family:Georgia,serif;font-style:italic;font-size:1.35rem;box-shadow:var(--shadow)}

.benefits{background:#fff;border-bottom:1px solid var(--line)}
.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr)}
.benefit-grid article{display:flex;gap:14px;align-items:center;padding:24px 10px}
.benefit-grid article+article{border-left:1px solid var(--line);padding-left:30px}
.icon,.card-icon{font-size:1.7rem}
.benefit-grid h3{font-size:1rem;margin:0 0 3px;color:var(--navy)}
.benefit-grid p{margin:0;color:var(--muted);font-size:.92rem}

.section{padding:62px 0}
.section-heading{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:28px}
.section-heading.centered{justify-content:center;text-align:center}
.section h2,.contact-section h2{font-size:clamp(2rem,3.2vw,3rem);line-height:1.05;margin:6px 0 10px;color:var(--navy)}
.section-heading p{margin:0;color:var(--muted);max-width:650px}
.text-link{font-weight:800;color:var(--blue)}

.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px;box-shadow:0 12px 28px rgba(12,51,92,.07)}
.card h3{color:var(--navy);margin:12px 0 8px;font-size:1.2rem}
.card p{color:var(--muted);margin:0}
.amount-strip{margin-top:20px;background:var(--gold-soft);border:1px solid #f1ddb1;border-radius:20px;padding:22px 26px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.amount-strip small{display:block;color:var(--muted)}
.amount-strip strong{display:block;color:var(--navy);font-size:1.8rem}
.amount-strip strong span{font-size:.9rem;font-weight:600;color:var(--muted)}
.amount-strip p{margin:0;color:var(--muted)}

.steps{background:var(--bg);padding-bottom:44px}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.steps-grid article{background:#fff;border-radius:20px;padding:28px;text-align:center;border:1px solid var(--line)}
.step-number{width:42px;height:42px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:800;margin:0 auto 14px}
.steps-grid h3{color:var(--navy);margin:0 0 8px}
.steps-grid p{margin:0;color:var(--muted)}

.split-section{padding-top:18px;padding-bottom:56px}
.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.coverage-panel,.why-panel{border-radius:26px;padding:34px;border:1px solid var(--line);min-height:360px}
.coverage-panel{background:linear-gradient(145deg,#f4f9ff,#fff)}
.why-panel{background:linear-gradient(145deg,#fffaf0,#fff)}
.coverage-panel h2,.why-panel h2{font-size:2rem}
.coverage-list{padding-left:22px;display:grid;gap:9px;color:var(--navy);font-weight:600}
.why-list{display:grid;gap:18px;margin-top:24px}
.why-list div{display:grid;gap:4px}
.why-list strong{color:var(--navy)}
.why-list span{color:var(--muted)}

.contact-section{padding:78px 0;background:linear-gradient(135deg,#062f63,#0b4e94);color:#fff}
.contact-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:52px;align-items:start}
.contact-copy h2{color:#fff}
.contact-copy p{color:#dce9f7;max-width:560px}
.contact-note{font-size:.9rem}
.contact-form{background:#fff;color:var(--ink);padding:26px;border-radius:24px;display:grid;grid-template-columns:1fr 1fr;gap:16px;box-shadow:var(--shadow)}
.contact-form label{font-size:.82rem;font-weight:700;color:var(--navy);display:grid;gap:7px}
.contact-form input{width:100%;border:1px solid #d6deea;border-radius:12px;padding:12px 13px;font:inherit;outline:none}
.contact-form input:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(12,78,163,.1)}
.full{grid-column:1/-1;border:0}
.form-status{grid-column:1/-1;margin:0;color:var(--muted);font-size:.85rem}

.site-footer{background:#052b58;color:#fff;padding:46px 0 18px}
.footer-grid{display:grid;grid-template-columns:1.3fr .7fr 1fr;gap:36px}
.footer-brand img{width:190px;background:#fff;border-radius:12px;padding:7px}
.footer-brand p{color:#c4d6ea;max-width:330px}
.site-footer h4{margin:0 0 14px}
.site-footer a,.site-footer p{display:block;color:#c4d6ea;margin:8px 0;font-size:.92rem}
.pending{opacity:.72}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:30px;padding-top:18px;display:flex;justify-content:space-between;gap:16px;color:#a9bfd7;font-size:.8rem}
.toast{position:fixed;left:50%;bottom:28px;transform:translate(-50%,130px);background:#0b325f;color:#fff;padding:12px 18px;border-radius:999px;box-shadow:var(--shadow);transition:.25s ease;z-index:80}
.toast.show{transform:translate(-50%,0)}

@media(max-width:900px){
  .nav-wrap{height:72px}.brand img{width:155px}.menu-toggle{display:block}
  .main-nav{position:absolute;top:72px;left:16px;right:16px;display:none;flex-direction:column;align-items:stretch;background:#fff;border:1px solid var(--line);border-radius:18px;padding:14px;box-shadow:var(--shadow)}
  .main-nav.open{display:flex}.main-nav a{padding:11px 10px}.header-cta{display:none}
  .hero{background:linear-gradient(160deg,#062f63 0%,#0c4e94 56%,#f6f9fd 56.2%)}
  .hero-grid{grid-template-columns:1fr;min-height:auto}.hero-copy{padding:48px 0 34px}
  .hero h1{font-size:clamp(2.45rem,10vw,4rem)}.hero-lead{font-size:1.05rem}
  .hero-visual{padding:0 0 30px}.hero-visual img{height:300px}.hero-note{right:12px;bottom:46px}
  .benefit-grid,.card-grid,.steps-grid,.split-grid,.contact-grid,.footer-grid{grid-template-columns:1fr}
  .benefit-grid article{padding:18px 0}.benefit-grid article+article{border-left:0;border-top:1px solid var(--line);padding-left:0}
  .section{padding:48px 0}.section-heading{align-items:flex-start;flex-direction:column}
  .amount-strip{align-items:flex-start;flex-direction:column}.contact-form{grid-template-columns:1fr}
  .contact-form label,.full,.form-status{grid-column:1}.footer-bottom{flex-direction:column}
}
@media(max-width:560px){
  .container{width:min(100% - 24px,1180px)}
  .hero-actions{flex-direction:column}.hero-actions .btn{width:100%}
  .hero-visual img{height:250px}.hero-note{font-size:1rem}
  .section h2,.contact-section h2{font-size:2rem}.amount-strip strong{font-size:1.45rem}
}