:root{--navy:#003B7F;--red:#ED1C24;--ink:#14213D;--text:#33415C;--muted:#5B6B85;--bg:#F5F7FA;--card:#fff;--line:#DDE3EC}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
main:focus{outline:none}
summary{min-height:44px;display:flex;align-items:center}
.legal a,.small a{display:inline-flex;align-items:center;min-height:44px}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--text);background:var(--bg)}
img{max-width:100%;height:auto}
a{color:var(--navy)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #1D4ED8;outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:10}
.skip:focus{left:8px;top:8px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
/* language blocks: English by default, no JS required */
[data-l]{display:none}
html[data-lang="en"] [data-l="en"],html[data-lang="pt"] [data-l="pt"],html[data-lang="es"] [data-l="es"]{display:revert}
div[data-l]{display:none}
html[data-lang="en"] div[data-l="en"],html[data-lang="pt"] div[data-l="pt"],html[data-lang="es"] div[data-l="es"]{display:block}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.bar{display:flex;flex-wrap:wrap;align-items:center;gap:10px 20px;padding-top:10px;padding-bottom:10px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand img:first-child{border-radius:10px}
.brand .wm{height:26px;width:auto}
nav{flex:1}
nav ul{display:flex;flex-wrap:wrap;gap:4px 18px;list-style:none;margin:0;padding:0}
nav a{display:inline-flex;align-items:center;min-height:44px;text-decoration:none;color:var(--ink);font-weight:600;font-size:15px;padding:0 4px}
nav a:hover{color:var(--navy);text-decoration:underline}
.lang{display:flex;gap:4px}
.lang button{min-height:44px;min-width:44px;font:inherit;font-size:14px;border:1px solid var(--line);background:#fff;color:var(--ink);border-radius:8px;padding:6px 10px;cursor:pointer}
.lang button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
/* hero */
.hero{background:linear-gradient(135deg,#fff 0%,#EAF0F8 100%);padding:48px 0 40px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:center}
h1{font-size:clamp(30px,5vw,46px);line-height:1.15;color:var(--ink);margin:0 0 16px}
h2{color:var(--navy);font-size:26px;line-height:1.25;margin:32px 0 14px}
h3{color:var(--navy);font-size:18px;margin:0 0 6px}
.lead{font-size:18px;color:var(--text)}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.btn{display:inline-flex;align-items:center;min-height:44px;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;padding:12px 20px;border-radius:10px}
.btn.ghost{background:#fff;color:var(--navy);border:2px solid var(--navy);padding:10px 18px}
.btn.disabled{background:#E3E8F0;color:#3D4C68;border:1px solid #B8C2D3;cursor:not-allowed}
.phone{justify-self:center;background:#0B1B33;padding:10px;border-radius:34px;box-shadow:0 18px 40px rgba(0,30,80,.25);max-width:280px}
.phone img{border-radius:26px;display:block;width:100%}
/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px}
.grid.one{grid-template-columns:1fr}
.card{background:var(--card);border-left:3px solid var(--navy);border-radius:0 10px 10px 0;padding:16px 20px;margin:0 0 14px}
.card h2,.card h3{margin-top:0}
.card h2{font-size:18px;margin-bottom:6px}
.card p{margin:0}
.more{margin-top:8px}
.band{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:32px;padding-bottom:24px}
.trust{padding-left:20px}
.trust li{margin:8px 0}
.page{padding-top:32px;padding-bottom:40px;max-width:820px}
.meta{display:flex;gap:28px;flex-wrap:wrap;margin:8px 0 22px}
.meta dt{font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.meta dd{margin:0;font-weight:700;color:var(--ink)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:0 0 10px}
.faq summary{cursor:pointer;font-weight:700;color:var(--ink)}
.faq p{margin:10px 0 0}
.sources{padding-left:20px}
.sources li{margin:8px 0}
/* footer */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:24px 0;margin-top:24px}
.notice{font-size:14px;color:var(--muted)}
.legal{display:flex;flex-wrap:wrap;gap:6px 18px;list-style:none;margin:12px 0;padding:0}
.small{font-size:13px;color:var(--muted)}
@media (max-width:640px){nav{flex-basis:100%;order:3}.lang{margin-left:auto}}
@media (max-width:760px){.hero-grid{grid-template-columns:1fr}.phone{max-width:240px}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}