:root{--ink:#071A2F;--cobalt:#0066B1;--deep:#004E8A;--sky:#E8F1FA;--mint:#0F9D7A;--paper:#F5F7FA;--line:#E5E7EB;--muted:#6B7280;--text:#111827;}
*{box-sizing:border-box;}
body{margin:0;font-family:'Inter',-apple-system,Segoe UI,Roboto,sans-serif;color:var(--text);line-height:1.6;background:#fff;-webkit-font-smoothing:antialiased;}
img{max-width:100%;height:auto;}
a{color:var(--cobalt);}
.container{max-width:1120px;margin:0 auto;padding:0 24px;}
.container.narrow{max-width:760px;}
.skip-link{position:absolute;left:-9999px;}
.skip-link:focus{left:16px;top:16px;background:#fff;padding:10px;z-index:99;}
h1,h2,h3{line-height:1.2;letter-spacing:-.02em;margin:0 0 12px;}

.announce{background:var(--cobalt);color:#fff;font-size:.875rem;text-align:center;padding:10px 0;}
.announce a{color:#fff;font-weight:700;}
.site-header{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 1px 0 var(--line);}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;height:74px;}
.brand{display:inline-flex;align-items:center;gap:12px;text-decoration:none;}
.brand-mark{height:44px;width:44px;}
.brand-word{font-weight:800;font-size:1.2rem;color:var(--ink);white-space:nowrap;}
.brand-word em{font-style:normal;font-weight:500;color:var(--cobalt);}
.nav-links{display:flex;gap:22px;list-style:none;margin:0;padding:0;align-items:center;}
.nav-links a{color:var(--text);text-decoration:none;font-weight:500;font-size:.95rem;}
.nav-links a:hover,.nav-links a.active{color:var(--cobalt);}
.menu-toggle{display:none;background:none;border:0;flex-direction:column;gap:5px;cursor:pointer;padding:8px;}
.menu-toggle span{width:24px;height:2px;background:var(--ink);display:block;}

.cta-main,.cta-ghost,.cta-join{display:inline-flex;align-items:center;gap:10px;font-weight:700;font-size:.95rem;text-decoration:none;border-radius:10px;padding:14px 22px;border:0;cursor:pointer;font-family:inherit;line-height:1;transition:transform .15s,background .15s;}
.cta-main{background:var(--cobalt);color:#fff;box-shadow:0 6px 18px rgba(0,102,177,.25);}
.cta-main:hover{background:var(--deep);transform:translateY(-1px);}
.cta-main.big{font-size:1.05rem;padding:18px 30px;}
.cta-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--ink);}
.cta-ghost.light{color:#fff;border-color:rgba(255,255,255,.6);}
.cta-ghost.light:hover{background:rgba(255,255,255,.1);}
.cta-ghost.dark:hover{background:var(--sky);}
.cta-join{background:var(--mint);color:#fff;white-space:nowrap;}
.header-cta{background:var(--cobalt);color:#fff!important;padding:11px 16px;border-radius:8px;font-weight:700;}

.hero{background:linear-gradient(160deg,#071A2F,#0B2B4A);color:#fff;padding:90px 0 80px;}
.eyebrow{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:#9fc4e8;font-weight:700;margin:0 0 18px;}
.hero h1{font-size:clamp(2.2rem,5.5vw,3.9rem);font-weight:800;max-width:800px;margin-bottom:22px;}
.hero-sub{font-size:1.1rem;color:#c9d6e4;max-width:640px;line-height:1.75;margin:0 0 32px;}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;}
.hero-note{margin-top:22px;font-size:.85rem;color:#9fc4e8;}
.trust{background:var(--sky);padding:20px 0;text-align:center;}
.trust p{margin:0;color:var(--ink);}

.section{padding:76px 0;}
.section.gray{background:var(--paper);}
.head{text-align:center;margin-bottom:44px;}
.label{display:inline-block;font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--cobalt);font-weight:800;margin-bottom:10px;}
.label.light{color:#9fc4e8;}
.head h2{font-size:clamp(1.6rem,3.4vw,2.3rem);color:var(--ink);}
.sub{max-width:660px;margin:0 auto;color:var(--muted);font-size:1.05rem;}
.more{text-align:center;margin-top:36px;}
.center{text-align:center;}

.etapas{display:grid;grid-template-columns:repeat(7,1fr);gap:10px;}
.etapa{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px 14px;transition:border-color .2s,transform .2s;}
.etapa:hover{border-color:var(--cobalt);transform:translateY(-3px);}
.etapa .n{display:inline-flex;width:28px;height:28px;border-radius:50%;background:var(--ink);color:#fff;font-weight:800;font-size:.8rem;align-items:center;justify-content:center;margin-bottom:10px;}
.etapa h3{font-size:.9rem;text-transform:uppercase;letter-spacing:.06em;color:var(--ink);}
.etapa p{font-size:.82rem;color:var(--muted);margin:0;line-height:1.5;}
.etapas-full{display:grid;gap:18px;margin:24px 0 36px;}
.etapa-full{display:grid;grid-template-columns:48px 1fr;gap:18px;border:1px solid var(--line);border-radius:14px;padding:24px;}
.etapa-full .n{display:inline-flex;width:40px;height:40px;border-radius:50%;background:var(--cobalt);color:#fff;font-weight:800;align-items:center;justify-content:center;}
.etapa-full h3{font-size:1.15rem;color:var(--ink);margin-bottom:4px;}
.etapa-full .one{color:var(--cobalt);font-weight:600;margin:0 0 8px;}
.etapa-full p{margin:0;color:var(--text);}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;display:flex;flex-direction:column;gap:10px;transition:box-shadow .2s,transform .2s;}
.card:hover{box-shadow:0 12px 30px rgba(7,26,47,.09);transform:translateY(-2px);}
.card-tag{font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--cobalt);font-weight:800;}
.card h3{font-size:1.1rem;margin:0;}
.card h3 a{color:var(--ink);text-decoration:none;}
.card p{color:var(--muted);font-size:.93rem;flex:1;margin:0;}
.card-meta{font-size:.8rem;color:var(--muted);}
.card-link{color:var(--cobalt);font-weight:700;font-size:.9rem;text-decoration:none;}

.band-wrap{padding-top:0;}
.band{background:var(--ink);color:#fff;border-radius:18px;padding:44px;display:flex;align-items:center;justify-content:space-between;gap:36px;}
.band h2{color:#fff;font-size:clamp(1.4rem,2.6vw,2rem);}
.band p{color:#c9d6e4;max-width:600px;margin:0;}

.page-hero{background:var(--ink);color:#fff;padding:78px 0 60px;}
.page-hero h1{color:#fff;font-size:clamp(2rem,4.4vw,3rem);}
.page-hero p{color:#c9d6e4;max-width:660px;font-size:1.05rem;}
.page-hero .label{color:#9fc4e8;}
.chips{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px;}
.chips span{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);color:#dfe9f4;border-radius:999px;padding:7px 14px;font-size:.84rem;font-weight:600;}

.narrow h2{font-size:1.55rem;color:var(--ink);margin:38px 0 12px;}
.narrow h3{font-size:1.12rem;color:var(--ink);margin:24px 0 8px;}
.narrow p{font-size:1.03rem;line-height:1.8;margin-bottom:16px;}
.check{list-style:none;padding:0;margin:0 0 20px;}
.check li{padding-left:28px;position:relative;margin-bottom:10px;line-height:1.65;}
.check li::before{content:"";position:absolute;left:0;top:9px;width:13px;height:13px;border-radius:50%;background:var(--sky);border:2px solid var(--cobalt);}
.inline-cta{background:var(--sky);border-radius:14px;padding:32px;margin:40px 0 0;text-align:center;}
.inline-cta h3{margin-top:0;}
.fine{font-size:.8rem;color:var(--muted);line-height:1.6;}
.article table{width:100%;border-collapse:collapse;margin:18px 0;font-size:.94rem;}
.article th,.article td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top;}
.article th{background:var(--sky);color:var(--ink);}
.article ul,.article ol{margin:0 0 18px 22px;}
.article li{margin-bottom:6px;line-height:1.7;}
.article h2{font-size:1.5rem;color:var(--ink);margin:36px 0 12px;}
.article p{font-size:1.03rem;line-height:1.8;}

/* ferramenta */
.tool-section{background:var(--paper);}
.tool-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:40px;box-shadow:0 20px 50px rgba(7,26,47,.07);margin-top:-44px;position:relative;}
.q{border:0;padding:0;margin:0;}
.q legend{font-size:1.4rem;font-weight:800;color:var(--ink);line-height:1.35;margin-bottom:8px;letter-spacing:-.01em;}
.hint{color:var(--muted);font-size:.92rem;margin:0 0 20px;line-height:1.6;}
.field{display:flex;align-items:center;gap:10px;border:1.5px solid var(--line);border-radius:12px;padding:14px 18px;font-size:1.3rem;font-weight:700;color:var(--ink);max-width:340px;}
.field:focus-within{border-color:var(--cobalt);box-shadow:0 0 0 3px rgba(0,102,177,.15);}
.field input{border:0;outline:0;font:inherit;width:100%;color:var(--ink);background:transparent;}
.field span{color:var(--muted);font-weight:600;font-size:1rem;white-space:nowrap;}
.sub-field{margin-top:14px;font-size:1.05rem;}
.check-lbl,.check{}
label.check{display:flex;align-items:center;gap:10px;margin-top:14px;font-size:.92rem;color:var(--muted);padding-left:0;}
label.check::before{display:none;}
.opts{display:grid;gap:10px;}
.opt{display:flex;align-items:center;gap:12px;padding:15px 18px;border:1.5px solid var(--line);border-radius:12px;cursor:pointer;font-weight:500;font-size:1rem;transition:border-color .15s,background .15s;}
.opt:hover{border-color:var(--cobalt);background:var(--sky);}
.opt input{accent-color:var(--cobalt);width:18px;height:18px;}
.opt:has(input:checked){border-color:var(--cobalt);background:var(--sky);box-shadow:0 6px 18px rgba(0,102,177,.12);}
.nav-btns{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-top:28px;}
.progress-txt{font-size:.85rem;color:var(--muted);font-weight:600;}
.bar{height:6px;background:var(--line);border-radius:3px;margin-top:20px;overflow:hidden;}
.bar span{display:block;height:100%;width:14%;background:linear-gradient(90deg,var(--cobalt),#2f8fe0);transition:width .35s;}
.big-number{font-size:clamp(2.8rem,9vw,4.6rem);font-weight:800;color:var(--cobalt);letter-spacing:-.03em;line-height:1;margin:6px 0 10px;}
.big-sub{font-size:1.05rem;color:var(--text);margin:0 0 26px;}
.breakdown{list-style:none;padding:0;margin:0 0 30px;}
.breakdown li{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid var(--line);align-items:flex-start;}
.breakdown .bl{font-weight:600;color:var(--ink);}
.breakdown .bd{font-size:.86rem;color:var(--muted);display:block;font-weight:400;margin-top:3px;}
.breakdown .bv{font-weight:800;color:var(--cobalt);white-space:nowrap;font-variant-numeric:tabular-nums;}
.breakdown .bv.zero{color:var(--mint);}
.compound{background:var(--paper);border-radius:12px;padding:24px;margin-bottom:26px;}
.compound h3{margin-top:0;}
.tbl{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;}
.tbl th,.tbl td{padding:9px 6px;text-align:right;border-bottom:1px solid var(--line);font-size:.95rem;}
.tbl th:first-child,.tbl td:first-child{text-align:left;}
.next-steps{display:grid;gap:12px;margin-bottom:24px;}
.step-card{border:1px solid var(--line);border-left:4px solid var(--cobalt);border-radius:10px;padding:18px 20px;}
.step-card strong{display:block;color:var(--ink);margin-bottom:4px;}
.step-card span{color:var(--muted);font-size:.93rem;}
.res-ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:8px;}

.newsletter{background:var(--paper);text-align:center;}
.newsletter h2{color:var(--ink);font-size:clamp(1.5rem,3vw,2rem);}
.newsletter p{color:var(--muted);max-width:580px;margin:0 auto 24px;}
.nl-row{display:flex;gap:10px;max-width:520px;margin:0 auto;}
.nl-row input{flex:1;padding:14px 16px;border:1px solid var(--line);border-radius:10px;font-size:1rem;font-family:inherit;}
.contact-form .fg{margin-bottom:16px;}
.contact-form label{display:block;font-weight:600;font-size:.92rem;color:var(--ink);margin-bottom:6px;}
.contact-form input,.contact-form select,.contact-form textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font-size:1rem;font-family:inherit;}
.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{outline:2px solid var(--cobalt);border-color:var(--cobalt);}

.site-footer{background:var(--ink);color:#c9d6e4;padding:56px 0 28px;}
.footer-inner{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;}
.footer-brand{color:#fff;font-size:1.15rem;margin-bottom:10px;}
.site-footer h4{color:#fff;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin:0 0 14px;}
.site-footer ul{list-style:none;padding:0;margin:0;}
.site-footer li{margin-bottom:8px;}
.site-footer a{color:#c9d6e4;text-decoration:none;display:block;margin-bottom:8px;font-size:.93rem;}
.site-footer a:hover{color:#fff;}
.site-footer p{font-size:.93rem;margin:0 0 8px;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;}
.footer-bottom p{font-size:.78rem;color:#8fa3b8;}

.links{background:var(--paper);min-height:75vh;}
.links-head{text-align:center;margin-bottom:26px;}
.links-avatar{width:84px;height:84px;border-radius:22px;box-shadow:0 8px 24px rgba(7,26,47,.12);}
.links-head h1{font-size:1.6rem;color:var(--ink);margin:12px 0 6px;}
.links-head p{color:var(--muted);margin:0;}
.links-list{display:grid;gap:12px;max-width:540px;margin:0 auto;}
.link-card{display:block;background:#fff;border:1.5px solid var(--line);border-radius:14px;padding:16px 20px;text-decoration:none;transition:transform .15s,border-color .15s;}
.link-card:hover{transform:translateY(-2px);border-color:var(--cobalt);}
.lt{display:block;font-weight:700;color:var(--ink);font-size:1.02rem;}
.ls{display:block;color:var(--muted);font-size:.88rem;margin-top:3px;}
.links-social{display:flex;gap:18px;justify-content:center;margin-top:26px;}

@media (max-width:1024px){.etapas{grid-template-columns:repeat(4,1fr);}.cards{grid-template-columns:repeat(2,1fr);}}
@media (max-width:820px){
 .menu-toggle{display:flex;}
 .nav-links{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:20px 24px;gap:16px;border-bottom:1px solid var(--line);box-shadow:0 8px 20px rgba(0,0,0,.08);}
 .nav-links.open{display:flex;}
 .etapas{grid-template-columns:1fr 1fr;}
 .cards{grid-template-columns:1fr;}
 .band{flex-direction:column;align-items:flex-start;padding:30px;}
 .footer-inner{grid-template-columns:1fr;gap:28px;}
 .tool-card{padding:24px 20px;margin-top:-24px;}
 .q legend{font-size:1.15rem;}
 .hero-ctas{flex-direction:column;align-items:stretch;}
 .hero-ctas a{justify-content:center;}
 .nl-row{flex-direction:column;}
 .etapa-full{grid-template-columns:36px 1fr;padding:18px;}
}
.math-card{border:1px solid var(--line);border-radius:14px;overflow:hidden;margin:18px 0;}
.price-row{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:24px 28px;border-bottom:1px solid var(--line);}
.price-row:last-child{border-bottom:0;background:var(--paper);}
.price-row strong{display:block;color:var(--ink);font-size:1.08rem;}
.price-row span{display:block;color:var(--muted);font-size:.9rem;margin-top:3px;}
.price{font-size:2.4rem;font-weight:800;color:var(--cobalt);white-space:nowrap;letter-spacing:-.02em;}
.price small{font-size:1rem;font-weight:600;color:var(--muted);}
.price.muted{color:var(--muted);}

/* seletor de idioma */
.nav-links .lang a{font-size:.85rem;font-weight:700;letter-spacing:.04em;border:1.5px solid currentColor;border-radius:999px;padding:.3rem .8rem;opacity:.8}
.nav-links .lang a:hover{opacity:1}

.res-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;margin:18px 0 36px}
.res-card{border:1px solid #E1E7F0;border-radius:14px;padding:22px;background:#fff}
.res-card h3{margin:0 0 8px;font-size:1.1rem}
.res-card p{margin:0 0 14px;font-size:.95rem}
.aff-tag{font-size:.68rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#6B7A90;border:1px solid #CBD4E2;border-radius:999px;padding:2px 8px;margin-left:6px;vertical-align:middle}
.note{font-size:.9rem;color:#5A6880;border-left:3px solid #C9A227;padding-left:14px}