:root{
      --navy:#0C1D36;
      --blue:#0D3B66;
      --gold:#C8A97E;
      --white:#FFFFFF;

      --text: var(--navy);
      --muted: rgba(12,29,54,.72);
      --line: rgba(12,29,54,.12);

      --card: #FFFFFF;
      --bg: #FFFFFF;

      --radius: 18px;
      --shadow: 0 12px 28px rgba(12,29,54,.12);
      --max: 1120px;
    }

    *{box-sizing:border-box}
    body{
      margin:0;
      font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, "Helvetica Neue", Helvetica, sans-serif;
      color: var(--text);
      background: var(--bg);
    }
    a{color:inherit; text-decoration:none}
    .container{max-width:var(--max); margin:0 auto; padding:0 20px}

    /* NAV */
    .nav{
      position:sticky; top:0; z-index:50;
      background: rgba(255,255,255,.82);
      backdrop-filter: blur(10px);
      border-bottom:1px solid var(--line);
    }
    .nav-inner{
      display:flex; align-items:center; justify-content:space-between;
      padding:14px 0; gap:14px;
    }
    .brand{display:flex; align-items:center; gap:10px; font-weight:900}
    .logo{
      width:38px; height:38px; border-radius:12px;
      background: linear-gradient(135deg, var(--blue), var(--navy));
      position:relative;
      box-shadow: var(--shadow);
    }
    .logo:after{
      content:"";
      position:absolute; inset:10px;
      border-radius:10px;
      border:2px solid rgba(200,169,126,.75);
    }
    .nav-links{display:flex; gap:16px; align-items:center; flex-wrap:wrap}
    .nav-links a{color:var(--muted); font-weight:800; font-size:14px}
    .nav-actions{display:flex; gap:10px; align-items:center}

    .btn{
      display:inline-flex; align-items:center; justify-content:center;
      padding:12px 14px; border-radius:14px;
      font-weight:900; font-size:14px;
      border:1px solid transparent;
      transition:.18s ease;
      cursor:pointer;
      white-space:nowrap;
    }
    .btn-primary{
      background: var(--blue);
      color: var(--white);
      box-shadow: 0 10px 18px rgba(13,59,102,.18);
    }
    .btn-primary:hover{transform: translateY(-1px); filter:brightness(1.02)}
    .btn-ghost{
      background: transparent;
      border-color: var(--line);
      color: var(--navy);
    }
    .btn-ghost:hover{border-color: rgba(13,59,102,.25)}

    /* HERO */
    header{padding:44px 0 16px}
    .hero{
      display:grid;
      grid-template-columns: 1.05fr .95fr;
      gap:22px;
      align-items:stretch;
    }
    .pill{
      display:inline-flex; gap:8px; align-items:center;
      padding:8px 12px; border-radius:999px;
      background: rgba(200,169,126,.16);
      border:1px solid rgba(200,169,126,.35);
      color: rgba(12,29,54,.85);
      font-weight:900; font-size:13px;
    }
    h1{
      margin:12px 0 10px;
      font-size: clamp(28px, 4vw, 44px);
      line-height:1.06;
      letter-spacing:-.6px;
    }
    .sub{
      margin:0 0 16px;
      color: var(--muted);
      font-size:16px;
      line-height:1.65;
      max-width: 68ch;
    }
    .hero-actions{display:flex; gap:10px; flex-wrap:wrap; margin-top:12px}

    .benefits{
      display:grid;
      grid-template-columns: repeat(3, 1fr);
      gap:12px;
      margin-top:18px;
    }
    .benefit{
      border:1px solid var(--line);
      border-radius: var(--radius);
      padding:14px;
      background: #fff;
      box-shadow: 0 10px 20px rgba(12,29,54,.06);
    }
    .benefit b{display:block; font-size:14px; margin-bottom:6px}
    .benefit span{display:block; color:var(--muted); font-size:13px; line-height:1.5}

    .hero-media{
      border-radius: 24px;
      overflow:hidden;
      border:1px solid var(--line);
      box-shadow: var(--shadow);
      background: linear-gradient(180deg, rgba(13,59,102,.08), rgba(200,169,126,.08));
      position:relative;
      min-height: 360px;
    }
    .hero-media img{
      width:100%; height:100%;
      object-fit:cover;
      display:block;
      opacity: .95;
    }
    .hero-badge{
      position:absolute; left:20px; top:20px;
      background: rgba(255,255,255,.92);
      border:1px solid var(--line);
      border-radius: 16px;
      padding:10px 12px;
      max-width: 75%;
    }
    .hero-badge b{display:block; font-size:13px}
    .hero-badge span{display:block; font-size:12px; color:var(--muted); margin-top:2px; line-height:1.35}

    /* SECTIONS */
    section{padding:26px 0}
    .section-title{font-size:22px; margin:0 0 8px; letter-spacing:-.2px}
    .section-sub{margin:0 0 16px; color:var(--muted); line-height:1.6}

    .grid-3{display:grid; grid-template-columns: repeat(3, 1fr); gap:14px}
    .grid-2{display:grid; grid-template-columns: repeat(2, 1fr); gap:14px}
    .card{
      border:1px solid var(--line);
      border-radius: var(--radius);
      background: var(--card);
      padding:16px;
      box-shadow: 0 10px 22px rgba(12,29,54,.08);
    }
    .card h3{margin:0 0 6px; font-size:16px}
    .card p{margin:0; color:var(--muted); line-height:1.55; font-size:14px}
    .chip{
      display:inline-flex; margin-top:10px;
      padding:6px 10px;
      border-radius:999px;
      border:1px solid rgba(200,169,126,.55);
      background: rgba(200,169,126,.14);
      color: var(--navy);
      font-weight:900;
      font-size:12px;
    }

    /* VISUAL STRIP */
    .strip{
      display:grid;
      grid-template-columns: 1fr 1fr 1fr;
      gap:12px;
    }
    .strip img{
      width:100%; height:180px; object-fit:cover;
      border-radius: 18px;
      border:1px solid var(--line);
      box-shadow: 0 10px 22px rgba(12,29,54,.08);
      display:block;
    }

    /* CTA */
    .cta{
      padding:28px 0 48px;
    }
    .cta-inner{
      display:flex; justify-content:space-between; align-items:center; gap:16px; flex-wrap:wrap;
      padding:18px;
      border-radius: 24px;
      background: linear-gradient(135deg, rgba(13,59,102,.10), rgba(200,169,126,.14));
      border:1px solid rgba(12,29,54,.14);
      box-shadow: var(--shadow);
    }
    .cta-inner h2{margin:0 0 6px; font-size:20px}
    .cta-inner p{margin:0; color:var(--muted); line-height:1.6}

    details{
      border:1px solid var(--line);
      border-radius: var(--radius);
      background: #fff;
      padding:12px 14px;
      box-shadow: 0 10px 22px rgba(12,29,54,.06);
    }
    details summary{cursor:pointer; font-weight:900}
    details p{margin:10px 0 0; color:var(--muted); line-height:1.6; font-size:14px}

    footer{
      border-top:1px solid var(--line);
      padding:18px 0 24px;
      color:var(--muted);
      font-size:13px;
    }

    /* PROCESSO */

.process-wrapper {
  position: relative;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 30px;
  padding-top: 40px;
}

.process-line {
  position: absolute;
  top: 58px;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(to right, #0D3B66, #C8A97E);
  z-index: 0;
}

.process-step {
  position: relative;
  text-align: center;
  padding: 0 15px;
  z-index: 1;
}

.step-circle {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: #0D3B66;
  color: #FFFFFF;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-size: 16px;
  box-shadow: 0 8px 18px rgba(13,59,102,.25);
}

.process-step h3 {
  margin-bottom: 8px;
  font-size: 16px;
}

.process-step p {
  color: rgba(12,29,54,.72);
  font-size: 14px;
  line-height: 1.5;
}

/* MOBILE */

@media (max-width: 920px) {

  .process-wrapper {
    grid-template-columns: 1fr;
    padding-top: 0;
  }

  .process-line {
    display: none;
  }

  .process-step {
    text-align: left;
    padding-left: 70px;
    margin-bottom: 30px;
  }

  .step-circle {
    position: absolute;
    left: 0;
    top: 0;
  }
}

    @media (max-width: 920px){
      .hero{grid-template-columns:1fr}
      .benefits{grid-template-columns:1fr}
      .grid-3{grid-template-columns:1fr}
      .grid-2{grid-template-columns:1fr}
      .strip{grid-template-columns:1fr}
      .nav-links{display:none}
      .hero-media{min-height:280px}
    }