*{margin:0;padding:0;box-sizing:border-box}
:root{
  --brand:#0F766E;--brand-2:#14A38B;--brand-dark:#0B4F49;--brand-soft:#E4F3EF;
  --ink:#0b1b33;--body:#3c4353;--muted:#6b7385;--line:#e8ecf3;--ok:#1f9254;
  --grad:linear-gradient(112deg,#0B4F49 0%,#0F766E 52%,#14A38B 100%);
  --shadow:0 18px 46px rgba(16,32,64,.09);
}
html{scroll-behavior:smooth}
body{font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;color:var(--body);line-height:1.75;background:#f4f7fc;-webkit-font-smoothing:antialiased}

/* ---------- topo ---------- */
header.top{position:relative;background:var(--grad);color:#fff;padding:44px 20px 92px;overflow:hidden}
header.top::after{content:"";position:absolute;inset:auto -10% -60px -10%;height:150px;background:#f4f7fc;border-radius:50% 50% 0 0}
header.top::before{content:"";position:absolute;top:-120px;right:-60px;width:320px;height:320px;border-radius:50%;background:rgba(255,255,255,.08)}
header.top .wrap{position:relative;z-index:2;max-width:880px;margin:0 auto}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:6px 14px;font-size:.74rem;font-weight:700;letter-spacing:.10em;text-transform:uppercase}
header.top h1{margin-top:16px;font-size:clamp(1.7rem,4.6vw,2.35rem);font-weight:800;letter-spacing:-.02em;line-height:1.2}
header.top p{margin-top:10px;max-width:60ch;font-size:1rem;color:rgba(255,255,255,.86)}

/* ---------- conteúdo ---------- */
main{max-width:880px;margin:-64px auto 0;padding:0 20px 56px;position:relative;z-index:3}
.card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:clamp(24px,4vw,44px);box-shadow:var(--shadow)}
h2{position:relative;font-size:1.16rem;color:var(--ink);font-weight:800;letter-spacing:-.01em;margin:38px 0 10px;padding-top:26px;border-top:1px solid var(--line)}
h2:first-of-type{margin-top:8px;padding-top:0;border-top:0}
p,li{font-size:.97rem;color:var(--body)}
p+p{margin-top:10px}
ul,ol{margin:12px 0;padding-left:0;list-style:none}
ul li{position:relative;padding-left:26px;margin-bottom:9px}
ul li::before{content:"";position:absolute;left:4px;top:.62em;width:8px;height:8px;border-radius:50%;background:var(--brand-2);box-shadow:0 0 0 4px rgba(20,163,139,.16)}
ol{counter-reset:n;padding-left:0}
ol li{position:relative;padding-left:34px;margin-bottom:9px;counter-increment:n}
ol li::before{content:counter(n);position:absolute;left:0;top:.15em;width:23px;height:23px;border-radius:8px;background:var(--brand-soft);color:var(--brand);font-size:.76rem;font-weight:800;display:grid;place-items:center}
strong{color:var(--ink);font-weight:700}
a{color:var(--brand);font-weight:600;text-decoration:none;border-bottom:1px solid rgba(15,118,110,.30)}
a:hover{border-bottom-color:var(--brand)}

.note{display:flex;gap:13px;background:linear-gradient(180deg,#f4fbf9,#e9f6f2);border:1px solid #cfe8e2;border-left:4px solid var(--brand);border-radius:14px;padding:16px 18px;margin:0 0 26px;font-size:.92rem;color:#20304a}
.note::before{content:"!";flex:0 0 22px;height:22px;margin-top:2px;border-radius:50%;background:var(--brand);color:#fff;font-weight:800;font-size:.8rem;display:grid;place-items:center}

/* índice */
.toc{background:#f7f9fd;border:1px solid var(--line);border-radius:16px;padding:16px 18px;margin-bottom:26px}
.toc strong{display:block;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.toc ul{margin:0;display:flex;flex-wrap:wrap;gap:8px}
.toc li{padding:0;margin:0}
.toc li::before{display:none}
.toc a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 13px;font-size:.83rem;color:var(--body);font-weight:600}
.toc a:hover{border-color:var(--brand-2);color:var(--brand)}

/* passos (como funciona) */
.steps{display:grid;gap:14px;margin:8px 0 6px}
.step-item{display:grid;grid-template-columns:46px 1fr;gap:16px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 20px;transition:.2s}
.step-item:hover{border-color:#cfe0fa;box-shadow:0 10px 26px rgba(16,32,64,.07);transform:translateY(-2px)}
.step-n{width:46px;height:46px;border-radius:14px;background:var(--grad);color:#fff;font-weight:800;font-size:1.05rem;display:grid;place-items:center;box-shadow:0 8px 18px rgba(19,81,180,.26)}
.step-item h3{font-size:1.02rem;color:var(--ink);font-weight:800;margin-bottom:4px}
.step-item p{font-size:.94rem}

/* FAQ */
details{border:1px solid var(--line);border-radius:14px;padding:14px 18px;margin-bottom:10px;background:#fff}
details[open]{border-color:#cfe0fa;background:#fbfdff}
summary{cursor:pointer;font-weight:700;color:var(--ink);font-size:.96rem;list-style:none;display:flex;justify-content:space-between;gap:12px;align-items:center}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--brand);font-weight:800;font-size:1.2rem;line-height:1}
details[open] summary::after{content:"–"}
details p{margin-top:9px;font-size:.94rem}

.contact{display:flex;flex-wrap:wrap;gap:10px 22px;align-items:center;background:var(--brand-soft);border:1px solid #d9e7fb;border-radius:16px;padding:16px 18px;margin-top:12px;font-size:.94rem}

.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px;padding-top:26px;border-top:1px solid var(--line)}
.back{display:inline-flex;align-items:center;gap:9px;background:var(--grad);color:#fff;border:0;text-decoration:none;padding:14px 24px;border-radius:14px;font-weight:700;font-size:.95rem;cursor:pointer;font-family:inherit;box-shadow:0 12px 26px rgba(19,81,180,.24)}
.back:hover{filter:brightness(1.06)}
.back.ghost{background:#fff;color:var(--brand);border:1px solid #cfe0fa;box-shadow:none}

.upd{font-size:.83rem;color:var(--muted);margin-top:18px}

footer.legal{max-width:880px;margin:0 auto;padding:0 20px 54px;font-size:.85rem;color:var(--muted);text-align:center}
footer.legal a{color:var(--muted);border:0;margin:0 8px;font-weight:600}
footer.legal a:hover{color:var(--brand)}
footer.legal .fine{display:block;margin-top:12px;font-size:.76rem;line-height:1.6;color:#98a0b0}

@media(max-width:600px){
  header.top{padding:34px 18px 84px}
  .step-item{grid-template-columns:38px 1fr;gap:12px;padding:16px}
  .step-n{width:38px;height:38px;border-radius:12px;font-size:.95rem}
  .actions .back{flex:1 1 100%;justify-content:center}
}