*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  :root { --navy: #0a1628; --navy2: #0d1f3c; --blue: #1a3a6b; --gold: #c9a84c; --gold2: #e8c97a; --white: #f8f5ef; --gray: #8a9ab5; }
  html { scroll-behavior: smooth; }
  body { font-family: 'DM Sans', sans-serif; background: var(--navy); color: var(--white); overflow-x: hidden; }

  /* NAV */
  nav { position: fixed; top: 0; left: 0; right: 0; z-index: 100; display: flex; justify-content: space-between; align-items: center; padding: 1rem 5%; background: rgba(10,22,40,0.92); backdrop-filter: blur(12px); border-bottom: 1px solid rgba(201,168,76,0.15); }
  .logo { display: flex; align-items: center; text-decoration: none; }
  .logo img { height: 48px; width: auto; filter: drop-shadow(0 2px 8px rgba(201,168,76,0.3)); }
  nav ul { list-style: none; display: flex; gap: 1.8rem; }
  nav ul a { color: var(--gray); text-decoration: none; font-size: 0.82rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; transition: color 0.3s; }
  nav ul a:hover { color: var(--gold); }
  .nav-cta { background: var(--gold) !important; color: var(--navy) !important; padding: 0.5rem 1.3rem; border-radius: 2rem; font-weight: 700 !important; }
  .nav-cta:hover { background: var(--gold2) !important; }

  /* HERO */
  #hero { min-height: 100vh; display: flex; flex-direction: column; justify-content: center; position: relative; padding: 8rem 5% 4rem; overflow: hidden; }
  .hero-bg { position: absolute; inset: 0; background: radial-gradient(ellipse 80% 60% at 70% 50%, rgba(26,58,107,0.45) 0%, transparent 70%), radial-gradient(ellipse 50% 80% at 10% 80%, rgba(201,168,76,0.08) 0%, transparent 60%), linear-gradient(135deg, #0a1628 0%, #0d1f3c 50%, #0a2240 100%); }
  .hero-grid { position: absolute; inset: 0; opacity: 0.04; background-image: linear-gradient(rgba(201,168,76,1) 1px, transparent 1px), linear-gradient(90deg, rgba(201,168,76,1) 1px, transparent 1px); background-size: 60px 60px; }
  .hero-inner { position: relative; z-index: 2; display: flex; align-items: center; gap: 4rem; width: 100%; animation: fadeUp 1s ease forwards; }
  .hero-content { flex: 1; min-width: 0; max-width: 560px; }
  
  
  
  .hero-img-right-frame:hover img { transform: scale(1.04); }
  .hero-img-right-frame::after { content: ''; position: absolute; inset: 0; background: linear-gradient(to top, rgba(10,22,40,0.45) 0%, transparent 60%); }
  
  @media (max-width: 1000px) {  .hero-content { max-width: 700px; } }
  .hero-badge { display: inline-flex; align-items: center; gap: 0.5rem; background: rgba(201,168,76,0.12); border: 1px solid rgba(201,168,76,0.35); color: var(--gold); padding: 0.5rem 1.2rem; border-radius: 2rem; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 2rem; }
  .hero-badge::before { content: "✦"; font-size: 0.7rem; }
  h1 { font-family: 'Playfair Display', serif; font-size: clamp(2.8rem, 5vw, 4.5rem); font-weight: 900; line-height: 1.08; letter-spacing: -0.02em; margin-bottom: 1.5rem; color: var(--white); }
  h1 em { color: var(--gold); font-style: normal; }
  .hero-sub { font-size: 1.05rem; font-weight: 300; color: rgba(248,245,239,0.75); line-height: 1.7; margin-bottom: 2.5rem; }
  .hero-sub strong { color: var(--white); font-weight: 600; }
  .hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; }
  .btn-primary { display: inline-flex; align-items: center; gap: 0.5rem; background: var(--gold); color: var(--navy); padding: 0.9rem 2rem; border-radius: 3rem; font-weight: 700; text-decoration: none; font-size: 0.95rem; transition: all 0.3s; box-shadow: 0 4px 24px rgba(201,168,76,0.3); }
  .btn-primary:hover { background: var(--gold2); transform: translateY(-2px); }
  .btn-secondary { display: inline-flex; align-items: center; gap: 0.5rem; border: 1px solid rgba(248,245,239,0.25); color: var(--white); padding: 0.9rem 2rem; border-radius: 3rem; font-weight: 500; text-decoration: none; font-size: 0.95rem; transition: all 0.3s; }
  .btn-secondary:hover { border-color: var(--gold); color: var(--gold); }
  .hero-stats { position: relative; z-index: 2; display: flex; gap: 3rem; margin-top: 3rem; }
  .stat { text-align: left; }
  .stat-num { font-family: 'Playfair Display', serif; font-size: 2.2rem; font-weight: 900; color: var(--gold); line-height: 1; }
  .stat-label { font-size: 0.75rem; color: var(--gray); font-weight: 500; letter-spacing: 0.05em; margin-top: 0.3rem; }

  /* HERO IMAGE COL */
  
  
  .hero-img-frame img { width: 100%; height: 100%; object-fit: cover; object-position: center; display: block; }
  
  
  @media (max-width: 1000px) {  }

  .hero-img-col { flex: 0 0 420px; }
  .hero-img-frame { position: relative; width: 420px; height: 290px; border-radius: 1.5rem; overflow: hidden; border: 1px solid rgba(201,168,76,0.3); box-shadow: 0 24px 60px rgba(0,0,0,0.6); }
  .hero-img-frame img { width: 100%; height: 100%; object-fit: cover; object-position: center; display: block; }
  .hero-img-badge { position: absolute; bottom: 1rem; left: 1rem; z-index: 2; background: rgba(10,22,40,0.85); backdrop-filter: blur(8px); border: 1px solid rgba(201,168,76,0.35); color: var(--gold); font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em; padding: 0.35rem 0.9rem; border-radius: 2rem; }
  @media (max-width: 1000px) { .hero-img-col { flex: 0 0 100%; width: 100%; margin-top: 2rem; } .hero-img-frame { width: 100%; height: 240px; } .hero-inner { flex-wrap: wrap; } }

  /* IDIOMAS */
  .idiomas-bar { background: rgba(201,168,76,0.08); border-top: 1px solid rgba(201,168,76,0.15); border-bottom: 1px solid rgba(201,168,76,0.15); padding: 1.5rem 5%; display: flex; align-items: center; justify-content: center; gap: 3rem; flex-wrap: wrap; }
  .idioma-item { display: flex; align-items: center; gap: 0.6rem; font-size: 0.88rem; color: var(--gray); }
  .idioma-item strong { color: var(--white); letter-spacing: 0.1em; }
  .idioma-sep { color: rgba(201,168,76,0.4); font-size: 1.2rem; }

  /* SHARED */
  section { padding: 6rem 5%; }
  .section-tag { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.8rem; }
  h2 { font-family: 'Playfair Display', serif; font-size: clamp(2rem, 4vw, 3rem); font-weight: 900; line-height: 1.15; margin-bottom: 1.2rem; }
  .lead { font-size: 1.05rem; color: rgba(248,245,239,0.7); line-height: 1.8; max-width: 680px; }

  /* SEGURANÇA */
  #seguranca { background: linear-gradient(180deg, var(--navy) 0%, var(--navy2) 100%); }
  .seguranca-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
  .seguranca-visual { position: relative; height: 420px; display: flex; align-items: center; justify-content: center; }
  .seguranca-img-wrap { position: relative; width: 100%; height: 380px; border-radius: 1.5rem; overflow: hidden; border: 1px solid rgba(201,168,76,0.25); box-shadow: 0 24px 60px rgba(0,0,0,0.5); }
  .seguranca-img-wrap img { width: 100%; height: 100%; object-fit: cover; object-position: center; display: block; transition: transform 8s ease; }
  .seguranca-img-wrap:hover img { transform: scale(1.04); }
  .seguranca-img-overlay { position: absolute; inset: 0; background: linear-gradient(to top, rgba(10,22,40,0.6) 0%, transparent 50%); }
  .seguranca-img-badge { position: absolute; bottom: 1.2rem; left: 1.2rem; background: rgba(10,22,40,0.8); backdrop-filter: blur(8px); border: 1px solid rgba(201,168,76,0.3); color: var(--gold); font-size: 0.8rem; font-weight: 700; letter-spacing: 0.08em; padding: 0.4rem 1rem; border-radius: 2rem; }
  .steps-list { list-style: none; margin-top: 2rem; }
  .steps-list li { display: flex; gap: 1.2rem; align-items: flex-start; padding: 1.2rem 0; border-bottom: 1px solid rgba(255,255,255,0.06); }
  .step-num { flex-shrink: 0; width: 36px; height: 36px; border-radius: 50%; background: rgba(201,168,76,0.12); border: 1px solid rgba(201,168,76,0.3); display: flex; align-items: center; justify-content: center; font-family: 'Playfair Display', serif; font-size: 0.9rem; color: var(--gold); font-weight: 700; }
  .step-title { font-weight: 600; margin-bottom: 0.3rem; }
  .step-desc { font-size: 0.88rem; color: var(--gray); line-height: 1.6; }

  /* DOLARIZAÇÃO */
  #dolarizacao { background: linear-gradient(180deg, #0a1628 0%, #0d1f3c 60%, #0a1628 100%); position: relative; overflow: hidden; }
  .dolar-bg-text { position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%); font-family: 'Playfair Display', serif; font-size: 40vw; font-weight: 900; line-height: 1; color: rgba(201,168,76,0.025); pointer-events: none; z-index: 0; user-select: none; }
  .dolar-cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.2rem; margin-bottom: 3rem; position: relative; z-index: 2; }
  .dolar-card { background: rgba(255,255,255,0.03); border: 1px solid rgba(255,255,255,0.07); border-radius: 1.2rem; padding: 1.8rem; transition: all 0.3s; position: relative; overflow: hidden; }
  .dolar-card.highlight { background: rgba(201,168,76,0.07); border-color: rgba(201,168,76,0.25); }
  .dolar-card.highlight::after { content: '⭐ MAIS POPULAR'; position: absolute; top: 0.8rem; right: 0.8rem; font-size: 0.6rem; font-weight: 800; letter-spacing: 0.1em; color: var(--gold); background: rgba(201,168,76,0.1); padding: 0.2rem 0.6rem; border-radius: 1rem; border: 1px solid rgba(201,168,76,0.2); }
  .dolar-card:hover { transform: translateY(-4px); border-color: rgba(201,168,76,0.3); background: rgba(255,255,255,0.06); }
  .dolar-card-icon { font-size: 2rem; margin-bottom: 0.8rem; line-height: 1; }
  .dolar-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.5rem; color: var(--white); }
  .dolar-card p { font-size: 0.85rem; color: var(--gray); line-height: 1.7; }
  .dolar-cta { display: flex; justify-content: center; position: relative; z-index: 2; }
  .dolar-cta-box { background: linear-gradient(135deg, rgba(26,58,107,0.5), rgba(7,26,13,0.6)); border: 1px solid rgba(201,168,76,0.25); border-radius: 1.5rem; padding: 2.5rem 3rem; text-align: center; max-width: 560px; }
  .dolar-rate { margin-bottom: 1rem; }
  .dolar-rate-label { display: block; font-size: 0.8rem; color: var(--gray); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 0.4rem; }
  .dolar-rate-value { font-family: 'Playfair Display', serif; font-size: 2rem; font-weight: 900; color: var(--gold); }
  .dolar-cta-box p { font-size: 0.92rem; color: rgba(248,245,239,0.75); line-height: 1.7; }
  .card-tag { display: inline-block; margin-top: 1rem; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); background: rgba(201,168,76,0.1); padding: 0.25rem 0.7rem; border-radius: 1rem; }

  /* PROGRAMAS */
  #programas { background: var(--navy2); }
  .programas-header { display: flex; justify-content: space-between; align-items: flex-end; margin-bottom: 3rem; flex-wrap: wrap; gap: 1rem; }
  .cards-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px,1fr)); gap: 1.5rem; }
  .card { background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08); border-radius: 1.2rem; padding: 2rem; transition: all 0.3s; position: relative; overflow: hidden; }
  .card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px; background: linear-gradient(90deg, transparent, var(--gold), transparent); opacity: 0; transition: opacity 0.3s; }
  .card:hover { border-color: rgba(201,168,76,0.3); transform: translateY(-4px); background: rgba(255,255,255,0.06); }
  .card:hover::before { opacity: 1; }
  .card-icon { font-size: 2rem; margin-bottom: 1rem; }
  .card h3 { font-family: 'Playfair Display', serif; font-size: 1.25rem; margin-bottom: 0.6rem; color: var(--white); }
  .card p { font-size: 0.88rem; color: var(--gray); line-height: 1.7; }

  /* PROCESSO */
  #processo { background: linear-gradient(180deg, var(--navy2) 0%, var(--navy) 100%); }
  .processo-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
  .timeline { position: relative; padding-left: 2rem; }
  .timeline::before { content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 2px; background: linear-gradient(to bottom, var(--gold), transparent); }
  .tl-item { position: relative; padding: 0 0 2rem 1.5rem; }
  .tl-dot { position: absolute; left: -2.45rem; top: 0.2rem; width: 12px; height: 12px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 4px rgba(201,168,76,0.15); }
  .tl-item h4 { font-weight: 600; margin-bottom: 0.4rem; font-size: 1rem; }
  .tl-item p { font-size: 0.85rem; color: var(--gray); line-height: 1.65; }

  /* ESPECIALISTA */
  #especialista { background: var(--navy); }
  .especialista-inner { background: linear-gradient(135deg, rgba(26,58,107,0.4), rgba(201,168,76,0.06)); border: 1px solid rgba(201,168,76,0.15); border-radius: 2rem; padding: 4rem; display: grid; grid-template-columns: 1fr 1.5fr; gap: 4rem; align-items: center; }
  .esp-photo-wrap { position: relative; display: flex; justify-content: center; }
  .esp-badge { position: absolute; bottom: 0; right: -10px; background: var(--gold); color: var(--navy); padding: 0.4rem 0.9rem; border-radius: 1rem; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.05em; }
  .esp-name { font-family: 'Playfair Display', serif; font-size: 2rem; font-weight: 900; margin-bottom: 0.3rem; }
  .esp-title { color: var(--gold); font-size: 0.85rem; font-weight: 600; letter-spacing: 0.08em; margin-bottom: 1.5rem; }
  .esp-text { color: rgba(248,245,239,0.75); line-height: 1.8; font-size: 0.95rem; margin-bottom: 1.5rem; }

  /* DEPOIMENTOS */
  #depoimentos { background: var(--navy2); }
  .depo-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(300px,1fr)); gap: 1.5rem; margin-top: 3rem; }
  .depo-card { background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08); border-radius: 1.2rem; padding: 2rem; position: relative; }
  .depo-card::before { content: '"'; font-family: 'Playfair Display', serif; font-size: 5rem; line-height: 1; color: rgba(201,168,76,0.15); position: absolute; top: 1rem; right: 1.5rem; }
  .depo-text { font-size: 0.92rem; color: rgba(248,245,239,0.8); line-height: 1.75; margin-bottom: 1.5rem; font-style: italic; }
  .depo-author { font-weight: 700; font-size: 0.9rem; }
  .depo-role { font-size: 0.78rem; color: var(--gold); margin-top: 0.2rem; }
  .stars { color: var(--gold); font-size: 0.85rem; margin-bottom: 0.8rem; }

  /* FAQ */
  #faq { background: linear-gradient(180deg, var(--navy2) 0%, var(--navy) 100%); }
  .faq-wrap { max-width: 780px; margin: 3rem auto 0; }
  .faq-item { border-bottom: 1px solid rgba(255,255,255,0.08); overflow: hidden; }
  .faq-q { display: flex; justify-content: space-between; align-items: center; padding: 1.3rem 0; cursor: pointer; font-weight: 500; font-size: 0.98rem; transition: color 0.3s; user-select: none; }
  .faq-q:hover { color: var(--gold); }
  .faq-icon { width: 28px; height: 28px; border-radius: 50%; border: 1px solid rgba(201,168,76,0.3); display: flex; align-items: center; justify-content: center; flex-shrink: 0; color: var(--gold); transition: transform 0.3s; font-size: 1rem; }
  .faq-item.open .faq-icon { transform: rotate(45deg); }
  .faq-a { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
  .faq-item.open .faq-a { max-height: 200px; }
  .faq-a p { padding: 0 0 1.3rem; font-size: 0.88rem; color: var(--gray); line-height: 1.75; }

  /* CTA FINAL */
  #cta-final { background: linear-gradient(135deg, var(--blue), var(--navy)); padding: 6rem 5%; position: relative; overflow: hidden; }
  #cta-final::before { content: ''; position: absolute; top: -100px; left: 50%; transform: translateX(-50%); width: 600px; height: 600px; border-radius: 50%; background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%); }
  .btn-submit { background: var(--gold); color: var(--navy); border: none; cursor: pointer; padding: 1rem 3rem; border-radius: 3rem; font-family: 'DM Sans', sans-serif; font-size: 1rem; font-weight: 700; transition: all 0.3s; box-shadow: 0 4px 24px rgba(201,168,76,0.3); text-decoration: none; display: inline-flex; align-items: center; gap: 0.5rem; }
  .btn-submit:hover { background: var(--gold2); transform: translateY(-2px); }

  /* FOOTER */
  footer { background: #060e1a; padding: 3rem 5%; border-top: 1px solid rgba(255,255,255,0.06); }
  .footer-inner { display: flex; justify-content: space-between; align-items: flex-start; flex-wrap: wrap; gap: 2rem; }
  .footer-legal { display: flex; flex-direction: column; gap: 0.8rem; align-items: flex-end; }
  .footer-licenses { display: flex; gap: 2rem; flex-wrap: wrap; justify-content: flex-end; }
  .license-badge { display: flex; flex-direction: column; align-items: flex-end; gap: 0.15rem; }
  .license-name { font-size: 0.8rem; font-weight: 600; color: var(--white); }
  .license-nmls { font-size: 0.72rem; color: var(--gold); background: rgba(201,168,76,0.08); border: 1px solid rgba(201,168,76,0.2); padding: 0.1rem 0.5rem; border-radius: 1rem; letter-spacing: 0.05em; font-weight: 600; }
  .license-divider { width: 1px; background: rgba(255,255,255,0.08); align-self: stretch; }
  .footer-contacts { display: flex; gap: 0.6rem; flex-wrap: wrap; justify-content: flex-end; font-size: 0.78rem; color: var(--gray); align-items: center; }
  .footer-contacts .dot { color: rgba(201,168,76,0.3); }
  .footer-copy { font-size: 0.7rem; color: rgba(138,154,181,0.4); }

  /* ANIMATIONS */
  @keyframes fadeUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }

  /* RESPONSIVE */
  @media (max-width: 900px) { .dolar-cards { grid-template-columns: 1fr 1fr; } }
  @media (max-width: 768px) {
    nav ul { display: none; }
    .seguranca-inner, .processo-grid, .especialista-inner { grid-template-columns: 1fr; }
    .seguranca-visual { height: 280px; }
    .hero-stats { margin-top: 2rem; }
    #hero { padding-top: 6rem; padding-bottom: 3rem; }
    .especialista-inner { padding: 2rem; }
    .footer-legal { align-items: flex-start; }
    .footer-licenses { justify-content: flex-start; }
    .license-badge { align-items: flex-start; }
    .footer-contacts { justify-content: flex-start; }
    .dolar-cards { grid-template-columns: 1fr; }
    .dolar-cta-box { padding: 2rem 1.5rem; }
  }