:root{
  --navy:#0b1c3a; --primary:#f59e0b; --primary-fg:#1a1206;
  --amber-deep:#b45309; --bg:#fafafa; --card:#fff; --fg:#1a1a1a;
  --muted:#6b7280; --border:#e5e7eb; --secondary:#f3f4f6;
  --gradient-amber:linear-gradient(135deg,#f59e0b,#d97706);
  --shadow-soft:0 4px 14px rgba(0,0,0,.06);
  --shadow-amber:0 6px 18px rgba(245,158,11,.35);
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:Inter,system-ui,sans-serif;color:var(--fg);background:var(--bg);line-height:1.55}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:'Playfair Display',serif;margin:0 0 .5rem;line-height:1.2}
img{max-width:100%;display:block}
.container{max-width:1200px;margin:0 auto;padding:0 16px}
.narrow{max-width:768px;margin:0 auto;padding:0 16px}

/* Header */
.header{position:sticky;top:0;z-index:50;background:var(--navy);color:#fff;border-bottom:1px solid rgba(255,255,255,.1)}
.header .row{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:10px;font-family:'Playfair Display',serif;font-size:1.25rem;color:#fff}
.logo .badge{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:8px;background:var(--primary);color:var(--primary-fg)}
.nav{display:flex;gap:24px;font-size:14px}
.nav a{color:rgba(255,255,255,.8)}
.nav a:hover,.nav a.active{color:var(--primary)}
.btn-cta{background:var(--primary);color:var(--primary-fg);font-weight:600;padding:8px 16px;border-radius:6px}
.menu-btn{display:none;background:none;border:0;color:#fff;font-size:24px;cursor:pointer}
.mobile-nav{display:none;background:var(--navy);border-top:1px solid rgba(255,255,255,.1);padding:12px 16px;flex-direction:column;gap:8px}
.mobile-nav.open{display:flex}
.mobile-nav a{padding:8px 0;color:rgba(255,255,255,.9)}
@media (max-width:768px){.nav,.btn-cta.desktop{display:none}.menu-btn{display:block}}

/* Hero */
.hero{background:linear-gradient(180deg,#0b1c3a 0%,#102a55 100%);color:#fff;padding:64px 0}
.hero .badge-pill{display:inline-block;background:rgba(245,158,11,.15);color:var(--primary);border:1px solid rgba(245,158,11,.4);padding:6px 14px;border-radius:999px;font-size:12px;font-weight:600;margin-bottom:18px}
.hero h1{font-size:2.25rem;color:#fff;max-width:780px}
.hero p.sub{color:rgba(255,255,255,.8);max-width:680px;margin-top:12px}
@media (min-width:768px){.hero h1{font-size:3rem}}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 20px;border-radius:8px;font-weight:600;border:0;cursor:pointer;font-size:15px;text-align:center}
.btn-primary{background:var(--primary);color:var(--primary-fg);box-shadow:var(--shadow-amber)}
.btn-primary:hover{opacity:.9}
.btn-navy{background:var(--navy);color:#fff;width:100%;padding:14px}
.btn-navy:hover{opacity:.9}
.btn-navy:disabled{opacity:.5;cursor:not-allowed}
.btn-ghost{background:#fff;border:1px solid var(--border);width:100%;padding:14px;color:var(--fg)}
.btn-ghost:hover{background:var(--secondary)}

/* Cards / Section */
.section{padding:64px 0}
.section.alt{background:rgba(243,244,246,.6)}
.section.dark{background:var(--navy);color:#fff}
.section.dark h2{color:#fff}
.section-head{text-align:center;margin-bottom:48px}
.section-head h2{font-size:2rem}
.section-head p{color:var(--muted);max-width:640px;margin:12px auto 0}
.section-head .bar{margin:14px auto 0;height:4px;width:96px;border-radius:4px;background:var(--gradient-amber)}
.grid{display:grid;gap:24px}
.grid.cols-2{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.grid.cols-3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.grid.cols-4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:24px;box-shadow:var(--shadow-soft);transition:transform .2s}
.card:hover{transform:translateY(-4px)}
.card .icon{display:inline-flex;width:48px;height:48px;align-items:center;justify-content:center;background:var(--gradient-amber);color:#fff;border-radius:10px;margin-bottom:16px;font-size:24px}
.card h3{font-size:1.25rem}
.card p{color:var(--muted);font-size:14px;margin:8px 0 0}
.tag{display:inline-block;margin-top:12px;color:var(--amber-deep);font-size:12px;font-weight:600}
.section.dark .card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.1)}
.section.dark .card h3{color:#fff}
.section.dark .card p{color:rgba(255,255,255,.7)}
.step-num{width:40px;height:40px;border-radius:50%;background:var(--primary);color:var(--primary-fg);font-weight:700;display:flex;align-items:center;justify-content:center;margin-bottom:16px}

/* CTA row */
.cta-row{display:flex;flex-wrap:wrap;justify-content:center;gap:12px;margin-top:20px}

/* Form */
.form-card{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:32px;box-shadow:var(--shadow-soft);max-width:680px;margin:0 auto}
.steps{display:flex;align-items:center;justify-content:center;gap:6px;margin-bottom:32px}
.step{width:36px;height:36px;border-radius:50%;background:var(--secondary);color:var(--muted);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px}
.step.active{background:var(--navy);color:#fff}
.step.done{background:#16a34a;color:#fff}
.step-line{width:32px;height:2px;background:var(--secondary)}
.step-line.done{background:#16a34a}
label{display:block;font-size:14px;font-weight:500;margin-bottom:6px}
.field{width:100%;border:1px solid var(--border);border-radius:6px;padding:10px 12px;font-size:14px;background:#fff;font-family:inherit}
.field:focus{outline:2px solid var(--primary);outline-offset:-1px}
.field-row{display:grid;gap:16px;grid-template-columns:1fr 1fr}
.field-row.three{grid-template-columns:2fr 1fr;}
.field-row.addr{grid-template-columns:1fr 1fr 1fr}
@media (max-width:600px){.field-row,.field-row.addr,.field-row.three{grid-template-columns:1fr}}
.notice{background:rgba(243,244,246,.6);border-left:4px solid var(--primary);padding:14px;border-radius:6px;font-size:14px}
.info-block{background:rgba(243,244,246,.6);border-radius:8px;padding:16px;font-size:14px}
.info-block h3{font-family:Inter,sans-serif;font-size:16px;margin-bottom:8px}
.info-block p{margin:4px 0}
.stack{display:flex;flex-direction:column;gap:20px}
.helper{font-size:12px;color:var(--muted);margin-top:4px}
.checkbox{display:flex;align-items:center;gap:8px;margin-top:8px;font-size:14px;font-weight:400}

/* Modal */
.modal-bg{position:fixed;inset:0;background:rgba(0,0,0,.6);display:none;align-items:center;justify-content:center;z-index:100;padding:16px}
.modal-bg.open{display:flex}
.modal{background:#fff;border-radius:16px;max-width:480px;width:100%;padding:28px;position:relative;max-height:90vh;overflow:auto}
.modal h2{font-size:1.5rem;margin-bottom:8px}
.modal .close{position:absolute;top:12px;right:12px;background:none;border:0;font-size:24px;cursor:pointer;color:var(--muted)}
.qr-box{background:#fff;border:2px solid var(--border);border-radius:12px;padding:16px;display:flex;justify-content:center;margin:16px 0}
.qr-box img,.qr-box canvas{max-width:240px;height:auto}
.pix-code{background:var(--secondary);border-radius:6px;padding:12px;font-family:monospace;font-size:12px;word-break:break-all;max-height:120px;overflow:auto}
.spinner{display:inline-block;width:20px;height:20px;border:3px solid rgba(0,0,0,.15);border-top-color:var(--navy);border-radius:50%;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.toast-area{position:fixed;top:20px;left:50%;transform:translateX(-50%);z-index:200;display:flex;flex-direction:column;gap:8px}
.toast{background:#fff;border:1px solid var(--border);border-left:4px solid var(--primary);padding:12px 18px;border-radius:8px;box-shadow:var(--shadow-soft);font-size:14px}
.toast.error{border-left-color:#dc2626}
.toast.success{border-left-color:#16a34a}

/* Footer */
.footer{background:var(--navy);color:rgba(255,255,255,.8);margin-top:80px}
.footer .wrap{display:grid;gap:32px;grid-template-columns:2fr 1fr 1fr;padding:48px 0}
@media (max-width:768px){.footer .wrap{grid-template-columns:1fr}}
.footer h4{color:#fff;font-family:Inter,sans-serif;font-size:13px;text-transform:uppercase;letter-spacing:.05em;margin-bottom:12px}
.footer ul{list-style:none;padding:0;margin:0;font-size:14px}
.footer li{margin:6px 0}
.footer a:hover{color:var(--primary)}
.footer .bottom{border-top:1px solid rgba(255,255,255,.1);padding:18px 0;text-align:center;font-size:12px;color:rgba(255,255,255,.6)}

/* Testimonials */
.stars{color:var(--primary)}
.avatar{width:40px;height:40px;border-radius:50%;background:var(--gradient-amber);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
.testimonial-meta{display:flex;gap:12px;align-items:center;margin-top:14px}

/* FAQ */
details{background:#fff;border:1px solid var(--border);border-radius:8px;padding:14px 18px;margin-bottom:10px}
details summary{cursor:pointer;font-weight:600}
details[open] summary{margin-bottom:8px}

.text-center{text-align:center}
.mt{margin-top:24px}