:root {
  --blue: #0f3f7a;
  --blue-dark: #08284f;
  --blue-soft: #eaf3ff;
  --green: #15a86b;
  --green-soft: #e9fff5;
  --gold: #d7aa45;
  --text: #172033;
  --muted: #5f6b7a;
  --white: #ffffff;
  --line: #dce5f1;
  --shadow: 0 22px 60px rgba(15, 63, 122, 0.16);
  --radius: 26px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
.container { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
.section-pad { padding: 82px 0; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.navbar {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
  min-height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.brand { display: inline-flex; align-items: center; gap: 12px; font-weight: 900; color: var(--blue-dark); font-size: 1.25rem; }
.brand-icon {
  width: 42px;
  height: 42px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  color: white;
  background: linear-gradient(135deg, var(--blue), var(--green));
  box-shadow: 0 10px 24px rgba(15,63,122,.24);
}
.nav-links { display: flex; align-items: center; gap: 8px; }
.nav-links a { padding: 10px 14px; border-radius: 999px; color: var(--muted); font-weight: 700; }
.nav-links a:hover { color: var(--blue); background: var(--blue-soft); }
.menu-toggle { display: none; border: 0; background: var(--blue-soft); color: var(--blue); border-radius: 12px; padding: 9px 12px; font-size: 1.3rem; }

.hero {
  overflow: hidden;
  background:
    radial-gradient(circle at top left, rgba(21,168,107,.16), transparent 35%),
    radial-gradient(circle at 80% 15%, rgba(15,63,122,.14), transparent 34%),
    linear-gradient(180deg, #ffffff 0%, #f7fbff 100%);
}
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 44px; align-items: center; }
.eyebrow { color: var(--green); font-weight: 900; text-transform: uppercase; letter-spacing: .12em; font-size: .8rem; margin-bottom: 14px; }
h1 { font-size: clamp(2.4rem, 6vw, 5rem); line-height: .98; color: var(--blue-dark); letter-spacing: -0.05em; margin-bottom: 24px; }
h2 { font-size: clamp(2rem, 4vw, 3.1rem); line-height: 1.06; color: var(--blue-dark); margin-bottom: 16px; letter-spacing: -0.04em; }
h3 { font-size: 1.22rem; color: var(--blue-dark); margin-bottom: 10px; }
p { color: var(--muted); }
.hero-text { font-size: 1.18rem; max-width: 670px; margin-bottom: 30px; }
.hero-actions, .contact-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 50px; padding: 13px 20px; border-radius: 999px; font-weight: 900; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { color: white; background: linear-gradient(135deg, var(--blue), var(--green)); box-shadow: 0 16px 30px rgba(15,63,122,.24); }
.btn-secondary { color: var(--blue); background: white; border: 1px solid var(--line); }

.hero-card { position: relative; padding: 34px; min-height: 440px; border: 1px solid var(--line); border-radius: var(--radius); background: rgba(255,255,255,.88); box-shadow: var(--shadow); overflow: hidden; }
.card-glow { position: absolute; width: 260px; height: 260px; background: rgba(21,168,107,.16); border-radius: 50%; top: -80px; right: -70px; }
.finance-visual { position: relative; height: 250px; margin-bottom: 24px; border-radius: 24px; background: linear-gradient(135deg, var(--blue-soft), var(--green-soft)); border: 1px solid var(--line); overflow: hidden; }
.circle { position: absolute; display: grid; place-items: center; border-radius: 50%; font-weight: 900; }
.circle.big { width: 132px; height: 132px; left: 32px; top: 36px; background: var(--blue); color: white; font-size: 4rem; box-shadow: 0 18px 40px rgba(15,63,122,.22); }
.circle.small { width: 74px; height: 74px; right: 38px; bottom: 38px; background: var(--green); color: white; font-size: 2rem; }
.lines { position: absolute; left: 42px; right: 42px; bottom: 36px; display: grid; gap: 10px; }
.lines span { display: block; height: 10px; border-radius: 999px; background: rgba(15,63,122,.18); }
.lines span:nth-child(2) { width: 76%; }
.lines span:nth-child(3) { width: 55%; }
.whatsapp-mini { display: inline-block; margin-top: 16px; color: var(--green); font-weight: 900; }

.intro { background: white; }
.narrow { max-width: 830px; text-align: center; }
.services { background: #fbfdff; }
.section-title { text-align: center; margin-bottom: 34px; }
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.info-card { background: white; border: 1px solid var(--line); border-radius: 24px; padding: 28px; box-shadow: 0 14px 34px rgba(8,40,79,.06); min-height: 245px; }
.icon { width: 54px; height: 54px; display: grid; place-items: center; border-radius: 18px; margin-bottom: 20px; background: var(--blue-soft); color: var(--blue); font-weight: 900; }
.institutions { background: white; }
.institution-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; }
.institution { min-height: 110px; display: grid; place-items: center; text-align: center; padding: 18px; border-radius: 22px; border: 1px solid var(--line); background: linear-gradient(180deg, white, #f7fbff); color: var(--blue-dark); font-weight: 900; box-shadow: 0 12px 28px rgba(8,40,79,.06); }
.contact-band { background: linear-gradient(135deg, #f7fbff, #eef8f3); }
.contact-card { display: flex; align-items: center; justify-content: space-between; gap: 30px; padding: 42px; border-radius: 30px; background: white; border: 1px solid var(--line); box-shadow: var(--shadow); }
.footer { padding: 26px 0; background: var(--blue-dark); color: white; }
.footer-inner { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.footer p { color: rgba(255,255,255,.82); }
.floating-whatsapp { position: fixed; right: 18px; bottom: 18px; z-index: 40; background: var(--green); color: white; padding: 14px 18px; border-radius: 999px; font-weight: 900; box-shadow: 0 16px 34px rgba(21,168,107,.34); }
.reveal { opacity: 1; transform: none; }
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .65s ease, transform .65s ease; }
.js .reveal.visible { opacity: 1; transform: translateY(0); }

@media (max-width: 900px) {
  .hero-grid, .cards-grid { grid-template-columns: 1fr; }
  .institution-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-card { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 720px) {
  .section-pad { padding: 58px 0; }
  .menu-toggle { display: inline-flex; }
  .nav-links { position: absolute; left: 16px; right: 16px; top: 78px; display: none; flex-direction: column; align-items: stretch; padding: 12px; background: white; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow); }
  .nav-links.open { display: flex; }
  .nav-links a { text-align: center; }
  .hero-card { min-height: auto; padding: 22px; }
  .finance-visual { height: 210px; }
  .institution-grid { grid-template-columns: 1fr; }
  .contact-card { padding: 28px; }
  .floating-whatsapp { left: 16px; right: 16px; text-align: center; }
}