:root{
      --bg:#ffffff;
      --ink:#0b1220;
      --muted:#52607a;
      --line:#e7ebf3;
      --soft:#f6f8fc;
      --brand:#0f2a56;
      --accent:#1b4dff;
      --radius:18px;
      --shadow:0 10px 30px rgba(11,18,32,.08);
      --max:1120px;
      --gap:20px;
      --font: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji","Segoe UI Emoji";
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{
      margin:0;
      font-family:var(--font);
      color:var(--ink);
      background:var(--bg);
      line-height:1.5;
    }
    a{color:inherit; text-decoration:none}
    .container{max-width:var(--max); margin:0 auto; padding:0 20px}
    .grid{display:grid; gap:var(--gap)}
    .btn{
      display:inline-flex; align-items:center; justify-content:center;
      padding:12px 16px; border-radius:12px; border:1px solid transparent;
      font-weight:600; letter-spacing:.2px;
      transition:transform .08s ease, background .2s ease, border-color .2s ease, color .2s ease;
      cursor:pointer;
      user-select:none;
      white-space:nowrap;
    }
    .btn:active{transform:translateY(1px)}
    .btn-primary{background:var(--accent); color:#fff}
    .btn-primary:hover{background:#153fe0}
    .btn-ghost{background:transparent; border-color:var(--line); color:var(--ink)}
    .btn-ghost:hover{background:var(--soft)}
    .pill{
      display:inline-flex; gap:8px; align-items:center;
      padding:8px 12px; border-radius:999px; background:rgba(27,77,255,.08);
      color:#1736b7; font-weight:600; font-size:13px;
      border:1px solid rgba(27,77,255,.18);
    }

    /* Header */
    .header{
      position:sticky; top:0; z-index:50;
      background:rgba(255,255,255,.88);
      backdrop-filter:saturate(140%) blur(10px);
      border-bottom:1px solid var(--line);
    }
    .nav{
      display:flex; align-items:center; justify-content:space-between;
      padding:14px 0;
      gap:12px;
    }
    .brand{
      display:flex; align-items:center; gap:10px;
      font-weight:800; letter-spacing:.6px;
    }
    .logo{
      width:36px; height:36px; border-radius:12px;
      background:linear-gradient(135deg, var(--brand), #122e66);
      box-shadow:0 8px 20px rgba(15,42,86,.18);
      display:inline-block;
      position:relative;
    }
    .logo:after{
      content:"";
      position:absolute; inset:10px 12px 10px 12px;
      border:2px solid rgba(255,255,255,.85);
      border-left-color:transparent;
      border-radius:10px;
      transform:skewX(-10deg);
    }
    .menu{
      display:flex; gap:18px; align-items:center;
    }
    .menu a{
      color:var(--muted);
      font-weight:600;
      font-size:14px;
      padding:10px 10px;
      border-radius:10px;
    }
    .menu a:hover{background:var(--soft); color:var(--ink)}
    .nav-cta{display:flex; gap:10px; align-items:center}
    .burger{
      display:none;
      border:1px solid var(--line);
      background:#fff;
      width:44px; height:44px; border-radius:12px;
      align-items:center; justify-content:center;
      cursor:pointer;
    }
    .burger span{
      width:18px; height:2px; background:var(--ink);
      display:block; position:relative;
    }
    .burger span:before,.burger span:after{
      content:""; position:absolute; left:0; width:18px; height:2px; background:var(--ink);
    }
    .burger span:before{top:-6px}
    .burger span:after{top:6px}
    .mobile-panel{
      display:none;
      border-top:1px solid var(--line);
      background:#fff;
    }
    .mobile-panel .container{padding:10px 20px 16px}
    .mobile-panel a{
      display:block; padding:12px 10px; border-radius:12px;
      color:var(--muted); font-weight:700;
    }
    .mobile-panel a:hover{background:var(--soft); color:var(--ink)}
    .mobile-panel .row{display:flex; gap:10px; padding:10px 10px 0}

    /* Sections */
    section{padding:70px 0}
    .hero{
      padding:60px 0 40px;
      background:
        radial-gradient(1200px 600px at 10% -20%, rgba(27,77,255,.18), transparent 60%),
        radial-gradient(900px 500px at 90% 0%, rgba(15,42,86,.18), transparent 55%),
        #fff;
    }
    .hero-grid{
      grid-template-columns: 1.2fr .8fr;
      align-items:center;
    }
    h1{
      font-size:46px;
      line-height:1.05;
      letter-spacing:-.6px;
      margin:14px 0 14px;
    }
    .lead{
      color:var(--muted);
      font-size:17px;
      margin:0 0 18px;
      max-width:60ch;
    }
    .hero-actions{display:flex; gap:12px; flex-wrap:wrap; margin-top:18px}
    .hero-card{
      background:rgba(255,255,255,.9);
      border:1px solid var(--line);
      border-radius:var(--radius);
      padding:18px;
      box-shadow:var(--shadow);
    }
    .hero-card .stat{
      display:flex; gap:12px; align-items:flex-start;
      padding:10px 0;
      border-bottom:1px solid var(--line);
    }
    .hero-card .stat:last-child{border-bottom:none}
    .ico{
      width:38px; height:38px; border-radius:14px;
      background:var(--soft);
      border:1px solid var(--line);
      display:grid; place-items:center;
      flex:0 0 auto;
      color:var(--brand);
      font-weight:900;
    }
    .stat b{display:block; font-size:14px}
    .stat small{color:var(--muted); font-weight:600}

    .section-title{
      display:flex; align-items:flex-end; justify-content:space-between;
      gap:14px; margin-bottom:18px;
    }
    .section-title h2{
      margin:0;
      font-size:28px;
      letter-spacing:-.2px;
    }
    .section-title p{margin:0; color:var(--muted); max-width:68ch}
    .soft{background:var(--soft); border-top:1px solid var(--line); border-bottom:1px solid var(--line)}
    .cards{
      grid-template-columns: repeat(3, 1fr);
    }
    .card{
      background:#fff;
      border:1px solid var(--line);
      border-radius:var(--radius);
      padding:18px;
      box-shadow:0 10px 24px rgba(11,18,32,.05);
      transition:transform .12s ease, box-shadow .2s ease;
      min-height:168px;
      display:flex; flex-direction:column; gap:10px;
    }
    .card:hover{transform:translateY(-2px); box-shadow:var(--shadow)}
    .card .top{
      display:flex; align-items:flex-start; justify-content:space-between; gap:10px;
    }
    .card h3{margin:0; font-size:16px; letter-spacing:-.1px}
    .card p{margin:0; color:var(--muted); font-size:14px}
    .link{
      margin-top:auto;
      display:inline-flex; gap:8px; align-items:center;
      color:#1736b7; font-weight:800; font-size:13px;
    }
    .link svg{width:16px; height:16px}
    .two-col{grid-template-columns: 1fr 1fr; align-items:start}
    .bullets{
      margin:0; padding-left:18px;
      color:var(--muted);
      font-weight:600;
    }
    .bullets li{margin:8px 0}
    .checks{
      display:grid; gap:12px;
    }
    .check{
      display:flex; gap:12px; align-items:flex-start;
      padding:14px;
      border-radius:16px;
      border:1px solid var(--line);
      background:#fff;
    }
    .tick{
      width:22px; height:22px; border-radius:8px;
      background:rgba(27,77,255,.12);
      border:1px solid rgba(27,77,255,.22);
      display:grid; place-items:center;
      color:#1736b7;
      font-weight:900;
      flex:0 0 auto;
      margin-top:2px;
    }
    .check b{display:block; font-size:14px}
    .check span{display:block; color:var(--muted); font-weight:600; font-size:13px}

    .process{
      display:grid;
      grid-template-columns: repeat(4, 1fr);
      gap:14px;
    }
    .step{
      background:#fff;
      border:1px solid var(--line);
      border-radius:var(--radius);
      padding:16px;
    }
    .step .n{
      width:34px; height:34px;
      border-radius:14px;
      background:rgba(15,42,86,.10);
      border:1px solid rgba(15,42,86,.16);
      display:grid; place-items:center;
      font-weight:900;
      color:var(--brand);
      margin-bottom:10px;
    }
    .step b{display:block; margin-bottom:6px}
    .step p{margin:0; color:var(--muted); font-weight:600; font-size:13px}

    .cta{
      background:
        radial-gradient(900px 500px at 10% 30%, rgba(27,77,255,.18), transparent 60%),
        radial-gradient(700px 400px at 85% 20%, rgba(15,42,86,.22), transparent 55%),
        var(--ink);
      color:#fff;
      border-top:1px solid rgba(255,255,255,.10);
    }
    .cta .box{
      border:1px solid rgba(255,255,255,.14);
      background:rgba(255,255,255,.06);
      border-radius:24px;
      padding:28px;
      display:flex; align-items:center; justify-content:space-between;
      gap:18px;
    }
    .cta h2{margin:0; font-size:26px}
    .cta p{margin:8px 0 0; color:rgba(255,255,255,.80); font-weight:600; max-width:70ch}
    .cta .btn-primary{background:#fff; color:var(--ink)}
    .cta .btn-primary:hover{background:#e9eefc}

    /* Footer */
    footer{
      padding:34px 0;
      border-top:1px solid var(--line);
      background:#fff;
    }
    .footer-grid{
      display:flex; justify-content:space-between; gap:18px; flex-wrap:wrap;
      color:var(--muted);
      font-weight:700;
    }
    .footer-grid a{color:var(--muted)}
    .footer-grid a:hover{color:var(--ink)}
    .fine{margin-top:10px; font-size:12px; color:var(--muted); font-weight:700}

    /* Responsive */
    @media (max-width: 980px){
      .hero-grid{grid-template-columns:1fr}
      h1{font-size:38px}
      .cards{grid-template-columns:1fr 1fr}
      .process{grid-template-columns:1fr 1fr}
      .menu,.nav-cta .desktop-only{display:none}
      .burger{display:inline-flex}
    }
    @media (max-width: 560px){
      section{padding:56px 0}
      h1{font-size:34px}
      .cards{grid-template-columns:1fr}
      .two-col{grid-template-columns:1fr}
      .process{grid-template-columns:1fr}
      .cta .box{flex-direction:column; align-items:flex-start}
    }

/* Contato (apenas contato.html usa estas classes) */
.form{
      background:#fff;
      border:1px solid var(--line);
      border-radius:var(--radius);
      padding:18px;
      box-shadow:var(--shadow);
    }
    label{display:block; font-weight:800; font-size:13px; margin:12px 0 6px}
    input, textarea{
      width:100%;
      padding:12px 12px;
      border-radius:12px;
      border:1px solid var(--line);
      background:#fff;
      font:inherit;
      outline:none;
    }
    input:focus, textarea:focus{border-color:rgba(27,77,255,.45); box-shadow:0 0 0 4px rgba(27,77,255,.10)}
    textarea{min-height:120px; resize:vertical}
    .help{color:var(--muted); font-weight:700; font-size:12px; margin-top:8px}
    .form-actions{display:flex; gap:10px; flex-wrap:wrap; margin-top:14px}
    .note{
      padding:14px;
      border-radius:16px;
      background:var(--soft);
      border:1px solid var(--line);
      color:var(--muted);
      font-weight:700;
      font-size:13px;
    }