*,*::before,*::after{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;background:#f7f7f8;color:#0f172a;line-height:1.5;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
.container{max-width:1120px;margin:0 auto;padding:0 16px}
:root{
  --primary:#16216a;
  --primary-2:#1f2c80;
  --accent:#ffd200;
  --accent-fg:#16216a;
  --muted:#64748b;
  --border:#e2e8f0;
  --bg:#ffffff;
  --soft:#fff8d6;
  --danger:#dc2626;
  --radius:14px;
  --shadow:0 10px 30px -10px rgba(22,33,106,.25);
}
.header{background:var(--primary);color:#fff;border-bottom:1px solid #0d164a}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 16px;max-width:1120px;margin:0 auto}
.header img{height:44px;width:auto;background:var(--accent);padding:5px;border-radius:8px}
.header .tag{font-size:13px;opacity:.85}
@media(max-width:640px){.header .tag{display:none}}

.hero{background:var(--soft)}
.hero-grid{display:grid;gap:24px;padding:48px 16px;align-items:center;max-width:1120px;margin:0 auto}
@media(min-width:768px){.hero-grid{grid-template-columns:1fr 1fr;padding:64px 16px}}
.badge{display:inline-flex;gap:8px;align-items:center;background:var(--primary);color:#fff;padding:6px 16px;border-radius:999px;font-size:13px;font-weight:600}
h1{color:var(--primary);font-size:34px;line-height:1.15;margin:20px 0 14px;font-weight:800}
@media(min-width:768px){h1{font-size:44px}}
.lead{color:#3a4280;max-width:520px;font-size:15.5px}
.feats{display:flex;flex-wrap:wrap;gap:14px;margin-top:18px;color:#3a4280;font-size:14px}
.feats span{display:inline-flex;gap:6px;align-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:none;cursor:pointer;font-weight:700;border-radius:12px;transition:transform .05s, background .2s, opacity .2s;text-decoration:none}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--accent);color:var(--accent-fg);padding:14px 28px;font-size:16px;box-shadow:0 8px 18px -8px rgba(0,0,0,.2)}
.btn-primary:hover{background:#ffdb33}
.btn-outline{background:#fff;color:var(--primary);border:1px solid var(--border);padding:14px 24px;font-size:16px}
.btn-block{width:100%}
.btn[disabled]{opacity:.7;cursor:not-allowed}
.cta-wrap{margin-top:26px}
.hero-img-wrap{position:relative;display:flex;justify-content:center}
@media(min-width:768px){.hero-img-wrap{justify-content:flex-end}}
.hero-img-wrap img{max-width:420px;width:100%;filter:drop-shadow(0 18px 30px rgba(0,0,0,.15))}
.rate-chip{position:absolute;left:8px;bottom:8px;background:var(--primary);color:#fff;padding:10px 16px;border-radius:12px;box-shadow:var(--shadow)}
.rate-chip .lbl{font-size:10px;text-transform:uppercase;letter-spacing:.06em;opacity:.8}
.rate-chip .val{font-size:20px;font-weight:800}

.section{padding:56px 16px}
.section-head{text-align:center;margin-bottom:28px}
.section-head h2{color:var(--primary);font-size:26px;margin:0 0 6px;font-weight:800}
.section-head p{color:var(--muted);margin:0}
.steps{display:flex;align-items:center;justify-content:center;gap:10px;margin-top:18px}
.step{display:flex;align-items:center;gap:8px}
.step .dot{width:30px;height:30px;border-radius:50%;background:#e5e7eb;color:#64748b;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px}
.step.active .dot,.step.done .dot{background:var(--accent);color:var(--accent-fg)}
.step .lbl{font-size:13px;color:var(--muted)}
.step.active .lbl{color:#0f172a;font-weight:600}
.bar{width:46px;height:2px;background:var(--border)}

.card{max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--border);border-radius:18px;box-shadow:var(--shadow);padding:22px}
@media(min-width:768px){.card{padding:32px}}

.panel{border:1px solid var(--border);border-radius:16px;padding:18px;background:#fff;margin-bottom:18px}
.panel.primary{border-color:rgba(22,33,106,.18);background:rgba(22,33,106,.03)}
.panel-head{display:flex;gap:10px;align-items:center;margin-bottom:14px}
.icon-box{width:32px;height:32px;border-radius:10px;background:rgba(22,33,106,.1);color:var(--primary);display:flex;align-items:center;justify-content:center;font-size:16px}
.icon-box.accent{background:var(--accent);color:var(--accent-fg)}
.panel h3{margin:0;font-size:14px;color:#0f172a;font-weight:700}
.panel .sub{font-size:12px;color:var(--muted)}

.grid{display:grid;gap:14px}
@media(min-width:640px){.grid-2{grid-template-columns:1fr 1fr}}
.field label{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);font-weight:600;margin-bottom:6px}
.field .wrap{position:relative}
.field .wrap .ic{position:absolute;left:12px;top:50%;transform:translateY(-50%);font-size:14px;color:rgba(22,33,106,.7);pointer-events:none}
.field input,.field select{width:100%;height:46px;border:1px solid var(--border);border-radius:10px;padding:0 12px 0 36px;font-size:15px;background:#fff;outline:none;transition:border-color .15s, box-shadow .15s;color:#0f172a;font-family:inherit}
.field input:focus,.field select:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(22,33,106,.15)}
.field .err{margin-top:5px;color:var(--danger);font-size:12px;font-weight:500}
.full{grid-column:1 / -1}

.summary-bar{background:#f1f5f9;border:1px solid var(--border);border-radius:10px;padding:10px 14px;font-size:14px;margin-bottom:14px}
.summary-bar b{color:#0f172a}
.summary-bar .sep{margin:0 8px;color:#94a3b8}

.summary-box{background:var(--primary);color:#fff;border-radius:14px;padding:14px 16px;margin-bottom:18px}
.summary-box .grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.summary-box .lbl{font-size:10px;text-transform:uppercase;letter-spacing:.06em;opacity:.75}
.summary-box .v1{font-size:24px;font-weight:800;color:var(--accent)}
.summary-box .v2{font-size:24px;font-weight:800;text-align:right}
.summary-box .small{font-size:10px;opacity:.7}
.summary-box .right{text-align:right}

.vault{position:relative;overflow:hidden;border-radius:18px;border:1px solid rgba(22,33,106,.2);background:linear-gradient(135deg,var(--primary),#283697);color:#fff;padding:22px;box-shadow:var(--shadow);margin-bottom:18px}
.vault .vh{display:flex;gap:12px;align-items:center;margin-bottom:14px}
.vault .vh .ib{width:42px;height:42px;border-radius:12px;background:var(--accent);color:var(--accent-fg);display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:800}
.vault .vh .ek{font-size:10px;color:var(--accent);text-transform:uppercase;letter-spacing:.18em;font-weight:700}
.vault .vh h4{margin:0;font-size:16px;font-weight:800;line-height:1.2}
.vault p.intro{font-size:14px;line-height:1.55;color:rgba(255,255,255,.85);margin:0 0 16px}
.vault .vault-grid{display:grid;gap:14px}
@media(min-width:640px){.vault .vault-grid{grid-template-columns:1fr 1fr}}
.vault label{display:flex;gap:6px;align-items:center;font-size:11px;text-transform:uppercase;letter-spacing:.04em;font-weight:700;margin-bottom:6px;color:rgba(255,255,255,.92)}
.vault .wrap{position:relative}
.vault .wrap .ic{position:absolute;left:12px;top:50%;transform:translateY(-50%);font-size:14px;color:rgba(22,33,106,.7);pointer-events:none}
.vault input{width:100%;height:46px;border:none;border-radius:10px;padding:0 12px 0 36px;font-size:15px;background:#fff;outline:none;color:#0f172a;font-family:inherit;box-shadow:0 6px 16px -8px rgba(0,0,0,.4)}
.vault input:focus{box-shadow:0 0 0 3px var(--accent)}
.vault .err{margin-top:5px;color:var(--accent);font-size:12px;font-weight:600}

.actions{display:flex;flex-direction:column;gap:12px;margin-top:6px}
@media(min-width:640px){.actions{flex-direction:row}.actions .btn{flex:1}}

.msg{text-align:center;margin-top:10px;font-size:14px;font-weight:600}
.msg.ok{color:var(--primary)}
.msg.err{color:var(--danger)}
.note{text-align:center;color:var(--muted);font-size:12px;margin-top:10px}

.footer{background:#f1f1f4;border-top:1px solid var(--border);padding:24px 16px;text-align:center;color:var(--muted);font-size:13px}

.hidden{display:none !important}

/* Overlay validando */
.overlay{position:fixed;inset:0;background:rgba(22,33,106,.85);backdrop-filter:blur(4px);display:flex;align-items:center;justify-content:center;z-index:60}
.overlay .box{background:#fff;border-radius:18px;padding:28px;width:100%;max-width:340px;margin:0 16px;text-align:center;box-shadow:0 20px 40px rgba(0,0,0,.3)}
.spinner{position:relative;width:74px;height:74px;margin:0 auto 16px}
.spinner .ring{position:absolute;inset:0;border-radius:50%;border:4px solid var(--accent);border-top-color:transparent;animation:spin 1.2s linear infinite}
.spinner .ring.alt{inset:14px;border-color:var(--primary);border-bottom-color:transparent;animation:spin 1.4s linear reverse infinite}
@keyframes spin{to{transform:rotate(360deg)}}

/* Modal */
.modal{position:fixed;inset:0;background:rgba(0,0,0,.6);display:flex;align-items:center;justify-content:center;z-index:70;padding:16px}
.modal .dlg{background:#fff;border-radius:16px;max-width:440px;width:100%;padding:24px;box-shadow:0 25px 50px rgba(0,0,0,.3)}
.modal .check{width:56px;height:56px;border-radius:50%;background:var(--accent);color:var(--accent-fg);display:flex;align-items:center;justify-content:center;font-size:28px;margin:0 auto 10px}
.modal h3{text-align:center;margin:0 0 8px;color:#0f172a;font-size:19px}
.modal p{text-align:center;color:var(--muted);margin:0 0 14px;font-size:14px}
.modal .code{border:2px dashed var(--accent);background:rgba(255,210,0,.12);border-radius:14px;padding:14px;text-align:center;margin-bottom:14px}
.modal .code .lbl{font-size:11px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:600}
.modal .code .val{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:22px;font-weight:800;color:var(--primary);margin-top:4px}