:root{
  --primary:#1a3e8c;
  --primary-dark:#142e6b;
  --primary-light:#2d5dd3;
  --accent:#facc15;
  --whatsapp:#25d366;
  --whatsapp-dark:#128c7e;
  --navy:#0f172a;
  --slate:#475569;
  --slate-light:#64748b;
  --bg:#ffffff;
  --bg-soft:#f8fafc;
  --bg-mint:#eef2fb;
  --border:#e2e8f0;
  --shadow-sm:0 1px 2px 0 rgba(15,23,42,.05);
  --shadow:0 4px 6px -1px rgba(15,23,42,.08),0 2px 4px -2px rgba(15,23,42,.04);
  --shadow-lg:0 10px 25px -5px rgba(15,23,42,.1),0 8px 10px -6px rgba(15,23,42,.06);
  --shadow-xl:0 25px 50px -12px rgba(15,23,42,.25);
  --radius:14px;
  --radius-sm:10px;
  --radius-lg:24px;
  --max:1180px;
  --ease:cubic-bezier(.4,0,.2,1);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  color:var(--navy);
  background:var(--bg);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none}
ul{list-style:none}

.container{max-width:var(--max);margin:0 auto;padding:0 24px}

/* ---------- HEADER ---------- */
.header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.85);
  backdrop-filter:saturate(180%) blur(12px);
  -webkit-backdrop-filter:saturate(180%) blur(12px);
  border-bottom:1px solid var(--border);
}
.header-inner{display:flex;align-items:center;justify-content:center;padding:14px 0;position:relative}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:18px;color:var(--navy)}
.logo-mark{
  width:38px;height:38px;border-radius:10px;
  background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);
  display:grid;place-items:center;color:#fff;font-weight:900;font-size:15px;
  box-shadow:var(--shadow);
}
.logo-img{height:48px;width:auto;display:block}
@media(max-width:640px){.logo-img{height:40px}}
@media(max-width:380px){.logo-img{height:36px}}

.btn-header{position:absolute;right:0;top:50%;transform:translateY(-50%);padding:10px 18px;font-size:14px;gap:8px}
.btn-header:hover,.btn-header:active{transform:translateY(-50%)}

@media(max-width:640px){
  .btn-header{padding:10px;border-radius:50%;gap:0;min-width:42px;min-height:42px}
  .btn-header .btn-label{display:none}
  .header-inner{padding:10px 0}
}
.logo-text small{display:block;font-size:11px;font-weight:500;color:var(--slate);letter-spacing:.02em}

/* ---------- BUTTONS ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:14px 22px;border-radius:999px;
  font-weight:700;font-size:15px;
  transition:transform .2s var(--ease),box-shadow .2s var(--ease),background .2s;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-primary{background:var(--whatsapp);color:#fff;box-shadow:0 8px 20px -6px rgba(37,211,102,.5)}
.btn-primary:hover{background:var(--whatsapp-dark);box-shadow:0 12px 24px -6px rgba(37,211,102,.55)}
.btn-ghost{background:var(--primary);color:#fff;box-shadow:0 6px 16px -4px rgba(26,62,140,.35)}
.btn-ghost:hover{background:var(--primary-dark);box-shadow:0 10px 20px -4px rgba(26,62,140,.45)}
.btn-lg{padding:18px 30px;font-size:17px}
.btn-icon{width:20px;height:20px;flex-shrink:0}

/* ---------- HERO ---------- */
.hero{
  position:relative;
  padding:64px 0 80px;
  background:
    radial-gradient(1200px 600px at 90% -10%,rgba(45,93,211,.12),transparent 60%),
    radial-gradient(800px 400px at -10% 50%,rgba(250,204,21,.08),transparent 60%),
    linear-gradient(180deg,var(--bg) 0%,var(--bg-soft) 100%);
  overflow:hidden;
}
.hero-grid{display:grid;gap:48px;align-items:center}
@media(min-width:960px){.hero-grid{grid-template-columns:1.1fr .9fr;gap:64px}}

.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  padding:8px 14px;border-radius:999px;
  background:var(--bg-mint);color:var(--primary-dark);
  font-size:13px;font-weight:600;letter-spacing:.01em;
  border:1px solid rgba(26,62,140,.15);
}
.eyebrow .dot{width:8px;height:8px;border-radius:50%;background:var(--primary);box-shadow:0 0 0 4px rgba(45,93,211,.2)}

h1{
  font-size:clamp(34px,5vw,54px);
  line-height:1.08;font-weight:800;letter-spacing:-.02em;
  margin:20px 0 18px;
}
h1 .accent{
  color:var(--primary-dark);
  background:linear-gradient(120deg,var(--primary) 0%,var(--primary-light) 100%);
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
}
.hero p.lead{font-size:18px;color:var(--slate);max-width:560px;margin-bottom:32px}

.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:32px}

.hero-trust{display:flex;flex-wrap:wrap;gap:24px;color:var(--slate);font-size:14px}
.hero-trust div{display:flex;align-items:center;gap:8px;font-weight:500}
.hero-trust svg{width:18px;height:18px;color:var(--primary)}

/* hero card */
.hero-card{
  background:#fff;border-radius:var(--radius-lg);
  padding:32px;box-shadow:var(--shadow-xl);
  border:1px solid var(--border);
  position:relative;
}
.hero-card::before{
  content:"";position:absolute;inset:-1px;border-radius:var(--radius-lg);
  background:linear-gradient(135deg,rgba(45,93,211,.4),transparent 40%);
  z-index:-1;filter:blur(20px);opacity:.4;
}
.hero-card h3{font-size:20px;font-weight:700;margin-bottom:4px}
.hero-card .sub{color:var(--slate);font-size:14px;margin-bottom:24px}
.input-saldo{
  display:flex;align-items:center;gap:12px;
  background:#fff;border:2px solid var(--border);border-radius:var(--radius);
  padding:14px 20px;margin-bottom:20px;
  transition:border-color .2s var(--ease),box-shadow .2s var(--ease);
  cursor:text;
}
.input-saldo:focus-within{
  border-color:var(--primary);
  box-shadow:0 0 0 4px rgba(26,62,140,.12);
}
.input-saldo .prefix{font-size:20px;font-weight:700;color:var(--slate)}
.input-saldo input{
  flex:1;min-width:0;width:100%;
  border:none;outline:none;background:transparent;
  font-family:inherit;font-size:26px;font-weight:800;color:var(--navy);
  letter-spacing:-.01em;
}
.input-saldo input::placeholder{color:#cbd5e1;font-weight:700}
.feature-list{display:grid;gap:12px;margin-bottom:24px}
.feature-list li{display:flex;align-items:flex-start;gap:10px;font-size:14px;color:var(--navy)}
.feature-list svg{width:20px;height:20px;color:var(--primary);flex-shrink:0;margin-top:1px}

/* ---------- SECTIONS ---------- */
section{padding:80px 0}
.section-head{text-align:center;max-width:680px;margin:0 auto 56px}
.section-head .eyebrow{margin-bottom:16px}
.section-head h2{font-size:clamp(28px,3.6vw,40px);font-weight:800;letter-spacing:-.02em;line-height:1.15}
.section-head p{margin-top:14px;font-size:17px;color:var(--slate)}

/* steps */
.steps{display:grid;gap:24px}
@media(min-width:720px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:28px;position:relative;transition:transform .3s var(--ease),box-shadow .3s var(--ease);
}
.step:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.step-num{
  width:44px;height:44px;border-radius:12px;
  background:var(--bg-mint);color:var(--primary-dark);
  display:grid;place-items:center;font-weight:800;font-size:18px;margin-bottom:18px;
}
.step h3{font-size:18px;font-weight:700;margin-bottom:6px}
.step p{color:var(--slate);font-size:15px}

/* benefits */
.benefits-section{background:var(--bg-soft)}
.benefits{display:grid;gap:20px}
@media(min-width:640px){.benefits{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.benefits{grid-template-columns:repeat(3,1fr)}}
.benefit{
  background:#fff;border-radius:var(--radius);padding:28px;
  border:1px solid var(--border);transition:all .3s var(--ease);
}
.benefit:hover{border-color:var(--primary);transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.benefit-icon{
  width:50px;height:50px;border-radius:14px;
  background:linear-gradient(135deg,var(--bg-mint),#d4dff8);
  display:grid;place-items:center;margin-bottom:18px;
}
.benefit-icon svg{width:26px;height:26px;color:var(--primary-dark)}
.benefit h3{font-size:18px;font-weight:700;margin-bottom:8px}
.benefit p{color:var(--slate);font-size:15px}

/* faq */
.faq{max-width:780px;margin:0 auto;display:grid;gap:12px}
.faq-item{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;transition:border-color .2s,box-shadow .2s;
}
.faq-item[open]{border-color:var(--primary);box-shadow:var(--shadow)}
.faq-item summary{
  list-style:none;cursor:pointer;padding:20px 24px;
  display:flex;justify-content:space-between;align-items:center;gap:16px;
  font-weight:600;font-size:16px;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-icon{
  width:28px;height:28px;border-radius:50%;background:var(--bg-mint);
  display:grid;place-items:center;color:var(--primary-dark);flex-shrink:0;
  transition:transform .2s var(--ease),background .2s;
}
.faq-item[open] .faq-icon{transform:rotate(45deg);background:var(--primary);color:#fff}
.faq-item .faq-body{padding:0 24px 22px;color:var(--slate);font-size:15px}

/* final cta */
.final-cta{
  background:linear-gradient(135deg,var(--primary-dark) 0%,var(--navy) 100%);
  color:#fff;border-radius:var(--radius-lg);padding:56px 32px;text-align:center;
  position:relative;overflow:hidden;
  box-shadow:var(--shadow-xl);
}
.final-cta::before{
  content:"";position:absolute;top:-50%;right:-20%;width:600px;height:600px;
  background:radial-gradient(circle,rgba(45,93,211,.3),transparent 60%);
  pointer-events:none;
}
.final-cta h2{font-size:clamp(24px,3.4vw,36px);font-weight:800;letter-spacing:-.02em;margin-bottom:14px;position:relative}
.final-cta p{font-size:17px;opacity:.9;max-width:560px;margin:0 auto 28px;position:relative}
.final-cta .btn{position:relative;max-width:100%}
@media(max-width:640px){
  .final-cta{padding:44px 20px}
  .final-cta p{font-size:15px;margin-bottom:24px}
  .final-cta .btn-lg{padding:15px 22px;font-size:15px;width:100%;justify-content:center}
}

/* footer */
footer{background:var(--navy);color:#cbd5e1;padding:56px 0 32px;font-size:14px}
.footer-grid{display:grid;gap:32px}
@media(min-width:720px){.footer-grid{grid-template-columns:1.4fr 1fr 1fr}}
footer h4{color:#fff;font-size:14px;font-weight:700;margin-bottom:14px;letter-spacing:.05em;text-transform:uppercase}
footer a{display:block;padding:4px 0;color:#94a3b8;transition:color .2s}
footer a:hover{color:#fff}
footer .brand{display:flex;align-items:center;gap:12px;color:#fff;font-weight:800;font-size:18px;margin-bottom:10px}
footer .brand .logo-img{height:42px;background:#fff;padding:4px 6px;border-radius:8px}
footer .brand small{display:block;color:#94a3b8;font-weight:500;font-size:12px}
footer .desc{color:#94a3b8;max-width:340px}
.footer-bottom{
  margin-top:40px;padding-top:24px;border-top:1px solid #1e293b;
  display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;color:#64748b;font-size:13px;
}

/* floating whatsapp */
.fab{
  position:fixed;bottom:24px;right:24px;z-index:60;
  width:60px;height:60px;border-radius:50%;
  background:var(--whatsapp);color:#fff;
  display:grid;place-items:center;
  box-shadow:0 12px 28px -6px rgba(37,211,102,.6);
  transition:transform .2s var(--ease),box-shadow .2s;
  animation:pulse 2.4s infinite;
}
.fab:hover{transform:scale(1.08);background:var(--whatsapp-dark)}
.fab svg{width:30px;height:30px}
@keyframes pulse{
  0%{box-shadow:0 12px 28px -6px rgba(37,211,102,.6),0 0 0 0 rgba(37,211,102,.45)}
  70%{box-shadow:0 12px 28px -6px rgba(37,211,102,.6),0 0 0 20px rgba(37,211,102,0)}
  100%{box-shadow:0 12px 28px -6px rgba(37,211,102,.6),0 0 0 0 rgba(37,211,102,0)}
}

/* fade in */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.reveal.in{opacity:1;transform:none}

/* ---------- LEGAL PAGES ---------- */
.legal{
  padding:64px 0 80px;
  background:linear-gradient(180deg,var(--bg) 0%,var(--bg-soft) 100%);
  min-height:60vh;
}
.legal-inner{max-width:820px;margin:0 auto}
.legal h1{font-size:clamp(28px,4vw,40px);margin:8px 0 8px;letter-spacing:-.02em}
.legal .meta{color:var(--slate);font-size:14px;margin-bottom:36px}
.legal h2{font-size:22px;font-weight:700;margin:36px 0 12px;color:var(--navy)}
.legal h3{font-size:17px;font-weight:700;margin:20px 0 8px}
.legal p,.legal li{color:var(--slate);font-size:16px;line-height:1.75}
.legal ul{padding-left:22px;margin:10px 0 16px;list-style:disc}
.legal ul li{margin-bottom:6px}
.legal strong{color:var(--navy)}
.legal a{color:var(--primary-dark);text-decoration:underline;text-underline-offset:3px}
.back-link{
  display:inline-flex;align-items:center;gap:6px;
  color:var(--primary-dark);font-weight:600;font-size:14px;
}
.back-link:hover{color:var(--primary)}