:root { --primary: #0F4C81; --accent: #00B4D8; --ink: #0f172a; --muted: #475569; --bg: #ffffff; --soft: #f1f5f9; }
* {box-sizing: border-box;}
html, body {margin: 0; padding: 0; font-family: system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif; color: var(--ink); background: var(--bg);}
a {color: var(--primary); text-decoration: none;}
a:hover {text-decoration: underline;}
.container {max-width: 1100px; margin: 0 auto; padding: 0 20px;}
.btn {display: inline-block; padding: 12px 18px; border-radius: 8px; background: var(--primary); color: #fff; font-weight: 600;}
.btn.secondary {background: var(--accent); color: #003049;}
.btn.ghost {background: transparent; border: 1px solid var(--primary); color: var(--primary);}
nav {position: sticky; top: 0; backdrop-filter: saturate(180%) blur(10px); background: rgba(255,255,255,0.85); border-bottom: 1px solid #e2e8f0; z-index: 50;}
nav .wrap {display: flex; align-items: center; justify-content: space-between; height: 68px;}
.brand {display: flex; align-items: center; gap: 12px; font-weight: 800; letter-spacing: 0.2px;}
.brand img {height: 36px; border-radius: 4px;}
nav ul {display: flex; gap: 20px; list-style: none; padding: 0; margin: 0;}
nav li a {font-weight: 600; color: var(--ink);}
.hero {padding: 64px 0 32px; background: linear-gradient(180deg, #f8fafc 0%, #ffffff 100%);}
.hero .grid {display: grid; grid-template-columns: 1.2fr 1fr; gap: 28px; align-items: center;}
.hero h1 {font-size: 40px; line-height: 1.1; margin: 8px 0 16px;}
.hero p.lead {font-size: 20px; color: var(--muted);}
.card {background: #fff; border: 1px solid #e2e8f0; border-radius: 12px; padding: 18px;}
.badges {display: flex; flex-wrap: wrap; gap: 10px; margin-top: 14px;}
.badge {background: var(--soft); color: var(--ink); padding: 6px 10px; border-radius: 999px; font-size: 12px; font-weight: 600;}
.features {padding: 40px 0; background: #ffffff;}
.features .grid {display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px;}
.feature {padding: 16px; border: 1px solid #e2e8f0; border-radius: 12px; background: #fff;}
.section {padding: 56px 0;}
.grid-3 {display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px;}
.grid-2 {display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px;}
.faq details {border: 1px solid #e2e8f0; padding: 14px 16px; border-radius: 10px; background: #fff;}
.faq details + details {margin-top: 10px;}
.kpis {display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 18px;}
.kpi {text-align: center; padding: 14px; background: #fff; border: 1px solid #e2e8f0; border-radius: 12px;}
.kpi .num {font-size: 24px; font-weight: 800; color: var(--primary);}
footer {border-top: 1px solid #e2e8f0; padding: 24px 0; background: #f8fafc; color: var(--muted);}
.cta {padding: 36px; border-radius: 16px; background: linear-gradient(135deg, var(--primary), var(--accent)); color: #fff;}
.alert {background: #f1f5f9; border-left: 4px solid var(--primary); padding: 10px 12px; border-radius: 8px; font-size: 14px;}
.footer-legal {font-size: 12px; color: #64748b; margin-top: 6px;}
.footer-row {display:flex; flex-wrap:wrap; gap:16px; justify-content: space-between; align-items:center;}
@media (max-width: 900px) {.hero .grid {grid-template-columns:1fr;} .features .grid {grid-template-columns:repeat(2,1fr);} .grid-3 {grid-template-columns:1fr;} .grid-2 {grid-template-columns:1fr;} .kpis {grid-template-columns:repeat(2,1fr);} .footer-row {gap:8px;}}