:root{--azul:#0f5fb8;--azul-escuro:#073f7d;--azul-claro:#eaf4ff;--texto:#1f2937;--cinza:#f5f7fb;--borda:#d8e3f0}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:Arial,Helvetica,sans-serif;color:var(--texto);line-height:1.6;background:#fff}
a{text-decoration:none;color:inherit}
.container{max-width:1180px;margin:0 auto;padding:0 22px}
.topbar{background:var(--azul-escuro);color:#fff;font-size:14px;padding:10px 0;text-align:center}
header{background:#fff;border-bottom:1px solid var(--borda);position:sticky;top:0;z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:18px 0}
.logo{font-weight:800;color:var(--azul-escuro);font-size:22px}
.menu{display:flex;gap:22px;list-style:none;font-weight:600;color:#334155}
.menu a:hover{color:var(--azul)}
.hero{background:linear-gradient(135deg,var(--azul-escuro),var(--azul));color:#fff;padding:90px 0}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:34px;align-items:center}
.badge{display:inline-block;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.35);padding:8px 14px;border-radius:999px;margin-bottom:18px}
h1{font-size:46px;line-height:1.12;margin-bottom:18px}
.hero p{font-size:19px;opacity:.96;margin-bottom:24px}
.btn{display:inline-block;background:#fff;color:var(--azul-escuro);padding:14px 24px;border-radius:10px;font-weight:800}
.hero-card{background:#fff;color:var(--texto);border-radius:22px;padding:28px;box-shadow:0 20px 50px rgba(0,0,0,.18)}
.hero-card h3{color:var(--azul-escuro);margin-bottom:12px}
.info-list{list-style:none}.info-list li{padding:10px 0;border-bottom:1px solid var(--borda)}
.section{padding:70px 0}.section.alt{background:var(--cinza)}
.section h2{font-size:34px;color:var(--azul-escuro);margin-bottom:14px}
.section .lead{font-size:18px;color:#475569;margin-bottom:30px;max-width:850px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--borda);border-radius:18px;padding:24px;box-shadow:0 8px 24px rgba(15,95,184,.06)}
.card h3{color:var(--azul-escuro);margin-bottom:10px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{background:var(--azul-claro);border:1px solid var(--borda);border-radius:18px;padding:22px}
.num{width:38px;height:38px;background:var(--azul);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:14px}
.notice{background:#fff8e6;border:1px solid #f3d37a;border-radius:16px;padding:18px;margin-top:24px;color:#6b4e00}
.faq{display:grid;gap:14px}.faq details{background:#fff;border:1px solid var(--borda);border-radius:14px;padding:18px}.faq summary{font-weight:800;color:var(--azul-escuro);cursor:pointer}
.cta{background:linear-gradient(135deg,var(--azul),var(--azul-escuro));color:#fff;text-align:center;padding:70px 22px}.cta h2{font-size:34px;margin-bottom:12px}
footer{background:#071f3d;color:#dbeafe;padding:45px 0}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:28px}
footer h3,footer h4{color:#fff;margin-bottom:12px}footer a{display:block;margin:7px 0;color:#dbeafe}
.page-hero{background:var(--azul-claro);padding:55px 0;border-bottom:1px solid var(--borda)}.content{max-width:900px}.content h2{margin-top:28px}.content p,.content li{margin:10px 0}
@media(max-width:900px){.hero-grid,.footer-grid{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}h1{font-size:36px}}
@media(max-width:650px){.topbar{font-size:12px}.nav{flex-direction:column}.menu{flex-wrap:wrap;justify-content:center;gap:12px;font-size:14px}.hero{padding:55px 0}h1{font-size:30px}.hero p{font-size:17px}.cards,.steps{grid-template-columns:1fr}.section{padding:48px 0}.section h2{font-size:28px}}