:root{--color-primary: #137dc5;--color-secondary: #0a1a33;--color-black: #000000;--color-white: #ffffff;--color-primary-light: #1a8fd9;--color-primary-dark: #0f6aa8;--color-secondary-light: #162844;--color-gray-light: #f5f7fa;--color-gray-medium: #e8ecf1;--color-gray-dark: #6b7280;--gradient-primary: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);--gradient-hero: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-primary) 100%);--gradient-overlay: linear-gradient(180deg, rgba(10, 26, 51, .9) 0%, rgba(19, 125, 197, .8) 100%);--font-heading: "Outfit", sans-serif;--font-body: "Inter", sans-serif;--spacing-xs: .5rem;--spacing-sm: 1rem;--spacing-md: 2rem;--spacing-lg: 4rem;--spacing-xl: 6rem;--radius-sm: 8px;--radius-md: 16px;--radius-lg: 24px;--radius-xl: 32px;--shadow-sm: 0 2px 8px rgba(0, 0, 0, .1);--shadow-md: 0 4px 16px rgba(0, 0, 0, .12);--shadow-lg: 0 8px 32px rgba(0, 0, 0, .15);--shadow-xl: 0 16px 48px rgba(0, 0, 0, .2);--glass-bg: rgba(255, 255, 255, .1);--glass-border: rgba(255, 255, 255, .2);--glass-blur: blur(10px);--transition-fast: .2s ease;--transition-normal: .3s ease;--transition-slow: .5s ease}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth;font-size:16px}body{font-family:var(--font-body);color:var(--color-secondary);line-height:1.6;background-color:var(--color-white);overflow-x:hidden}img{max-width:100%;height:auto;display:block}a{text-decoration:none;color:inherit;transition:var(--transition-normal)}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);font-weight:700;line-height:1.2;margin-bottom:var(--spacing-sm)}h1{font-size:clamp(2.5rem,6vw,4rem);letter-spacing:-.02em}h2{font-size:clamp(2rem,4vw,3rem);letter-spacing:-.01em}h3{font-size:clamp(1.5rem,3vw,2rem)}h4{font-size:1.25rem}p{margin-bottom:var(--spacing-sm);font-size:1.125rem;color:var(--color-gray-dark)}.container{max-width:1200px;margin:0 auto;padding:0 var(--spacing-md)}.section{padding:var(--spacing-xl) 0}.section-title{text-align:center;margin-bottom:var(--spacing-lg)}.section-title h2{color:var(--color-secondary);margin-bottom:var(--spacing-sm)}.section-title p{font-size:1.25rem;color:var(--color-gray-dark);max-width:700px;margin:0 auto}.btn{display:inline-block;padding:1rem 2rem;border-radius:var(--radius-md);font-weight:600;font-size:1.125rem;text-align:center;cursor:pointer;border:none;transition:all var(--transition-normal);box-shadow:var(--shadow-md)}.btn-primary{background:var(--color-white);color:var(--color-primary)}.btn-primary:hover{transform:translateY(-3px);box-shadow:var(--shadow-xl);background:var(--color-gray-light)}.btn-secondary{background:transparent;color:var(--color-white);border:2px solid var(--color-white);box-shadow:none}.btn-secondary:hover{background:var(--color-white);color:var(--color-primary);transform:translateY(-3px);box-shadow:var(--shadow-lg)}.btn-cta{background:var(--gradient-primary);color:var(--color-white)}.btn-cta:hover{transform:translateY(-3px);box-shadow:var(--shadow-xl);filter:brightness(1.1)}@media(max-width:968px){.container{padding:0 var(--spacing-sm)}}@media(max-width:640px){:root{--spacing-lg: 2.5rem;--spacing-xl: 3rem;--spacing-md: 1.5rem}.container{padding:0 var(--spacing-sm)}.section{padding:var(--spacing-lg) 0}.section-title{margin-bottom:var(--spacing-md)}.section-title h2{font-size:1.75rem}.section-title p{font-size:1rem}.btn{padding:.875rem 1.5rem;font-size:1rem}p{font-size:1rem}}@media(max-width:380px){:root{--spacing-sm: .75rem}.section-title h2{font-size:1.5rem}}.text-center{text-align:center}.mb-0{margin-bottom:0}.mb-1{margin-bottom:var(--spacing-xs)}.mb-2{margin-bottom:var(--spacing-sm)}.mb-3{margin-bottom:var(--spacing-md)}.mb-4{margin-bottom:var(--spacing-lg)}.mt-0{margin-top:0}.mt-1{margin-top:var(--spacing-xs)}.mt-2{margin-top:var(--spacing-sm)}.mt-3{margin-top:var(--spacing-md)}.mt-4{margin-top:var(--spacing-lg)}.navbar{position:fixed;top:0;left:0;right:0;background:var(--gradient-hero);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);z-index:1000;transition:var(--transition-normal)}.navbar:after{content:"";position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent 0%,rgba(255,255,255,.1) 10%,rgba(255,255,255,.8) 50%,rgba(255,255,255,.1) 90%,transparent 100%)}.navbar.scrolled{background:var(--color-secondary);box-shadow:var(--shadow-md)}.navbar .container{display:flex;justify-content:space-between;align-items:center;padding:var(--spacing-sm) var(--spacing-md)}.navbar-logo img{height:80px;width:auto;filter:brightness(1.1)}.navbar-menu{display:flex;list-style:none;gap:var(--spacing-md);align-items:center;margin:0;padding:0}.navbar-menu a{font-weight:500;color:#ffffffe6;padding:var(--spacing-xs) var(--spacing-sm);border-radius:var(--radius-sm);transition:var(--transition-fast)}.navbar-menu a:hover{color:var(--color-white);background-color:#ffffff26}.navbar-cta{background:var(--color-primary)!important;color:var(--color-white)!important;padding:.75rem 1.5rem!important;border-radius:var(--radius-md);font-weight:600;box-shadow:0 4px 15px #137dc566;border:1px solid rgba(255,255,255,.2)}.navbar-cta:hover{transform:translateY(-2px);box-shadow:0 6px 20px #137dc580;background:var(--color-primary-light)!important}.navbar-toggle{display:none;background:none;border:none;font-size:1.5rem;cursor:pointer;color:var(--color-white)}@media(max-width:968px){.navbar .container{padding:var(--spacing-xs) var(--spacing-sm)}.navbar-logo img{height:60px}.navbar-menu{position:fixed;top:76px;left:0;right:0;flex-direction:column;background:var(--color-secondary);padding:var(--spacing-md);box-shadow:var(--shadow-lg);transform:translate(-100%);transition:var(--transition-normal);gap:var(--spacing-sm)}.navbar-menu.active{transform:translate(0)}.navbar-menu a{display:block;padding:var(--spacing-sm);text-align:center;font-size:1.1rem}.navbar-cta{width:100%;text-align:center;margin-top:var(--spacing-xs)}.navbar-toggle{display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:var(--radius-sm);background:#ffffff1a;border:1px solid rgba(255,255,255,.2)}}@media(max-width:480px){.navbar-logo img{height:50px}.navbar .container{padding:var(--spacing-xs) var(--spacing-sm)}}.hero{min-height:100vh;display:flex;align-items:center;position:relative;background:var(--gradient-hero);color:var(--color-white);padding-top:80px;overflow:hidden}.hero:before{content:"";position:absolute;inset:0;background-image:url('data:image/svg+xml,%3Csvg width="60" height="60" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"%3E%3Cg fill="none" fill-rule="evenodd"%3E%3Cg fill="%23ffffff" fill-opacity="0.05"%3E%3Cpath d="M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z"/%3E%3C/g%3E%3C/g%3E%3C/svg%3E');opacity:.6}.hero-content{position:relative;z-index:1;max-width:800px}.hero h1{color:var(--color-white);margin-bottom:var(--spacing-md);text-shadow:0 2px 20px rgba(0,0,0,.3)}.hero-subtitle{font-size:1.5rem;margin-bottom:var(--spacing-lg);color:#fffffff2;font-weight:300}.hero-features{display:flex;gap:var(--spacing-md);margin-bottom:var(--spacing-lg);flex-wrap:wrap}.hero-feature{display:flex;align-items:center;gap:var(--spacing-xs);background:var(--glass-bg);-webkit-backdrop-filter:var(--glass-blur);backdrop-filter:var(--glass-blur);padding:var(--spacing-sm) var(--spacing-md);border-radius:var(--radius-md);border:1px solid var(--glass-border)}.hero-feature svg{width:24px;height:24px;fill:var(--color-white)}.hero-cta-group{display:flex;gap:var(--spacing-sm);flex-wrap:wrap}@media(max-width:968px){.hero-cta-group{flex-direction:column}.hero-cta-group .btn{width:100%}.hero-features{flex-direction:column;gap:var(--spacing-sm)}.hero-feature{width:100%;justify-content:center}}@media(max-width:640px){.hero{min-height:auto;padding:100px 0 var(--spacing-lg)}.hero h1{font-size:2rem;line-height:1.2}.hero-subtitle{font-size:1.1rem;margin-bottom:var(--spacing-md)}.hero-features{margin-bottom:var(--spacing-md)}.hero-feature{padding:var(--spacing-sm);font-size:.95rem}.hero-feature svg{width:20px;height:20px}.hero-cta-group .btn{padding:.875rem 1.5rem;font-size:1rem}}@media(max-width:380px){.hero h1{font-size:1.75rem}.hero-subtitle{font-size:1rem}}.services{background:var(--color-gray-light)}.services-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:var(--spacing-md);margin-top:var(--spacing-lg)}.service-card{background:var(--color-white);padding:var(--spacing-md);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);transition:all var(--transition-normal);border:2px solid transparent;opacity:0;transform:translateY(30px)}.service-card.visible{opacity:1;transform:translateY(0)}.service-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-xl);border-color:var(--color-primary)}.service-icon{width:64px;height:64px;background:var(--gradient-primary);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;margin-bottom:var(--spacing-sm)}.service-icon svg{width:32px;height:32px;fill:var(--color-white)}.service-card h3{color:var(--color-secondary);margin-bottom:var(--spacing-sm)}.service-card p{margin-bottom:var(--spacing-md)}.service-link{color:var(--color-primary);font-weight:600;display:inline-flex;align-items:center;gap:.5rem}.service-link:hover{gap:1rem}@media(max-width:968px){.services-grid{grid-template-columns:1fr}}@media(max-width:640px){.services-grid{gap:var(--spacing-sm);margin-top:var(--spacing-md)}.service-card{padding:var(--spacing-sm)}.service-icon{width:50px;height:50px}.service-icon svg{width:24px;height:24px}.service-card h3{font-size:1.25rem}.service-card p{font-size:.95rem;margin-bottom:var(--spacing-sm)}}.calculator{background:var(--color-white)}.calculator-wrapper{max-width:800px;margin:0 auto;background:var(--color-white);border-radius:var(--radius-xl);padding:var(--spacing-lg);box-shadow:var(--shadow-lg);border:2px solid var(--color-primary)}.calculator-form{display:grid;gap:var(--spacing-md)}.form-group{display:flex;flex-direction:column;gap:var(--spacing-xs)}.form-group label{font-weight:600;color:var(--color-secondary);font-size:1rem}.form-group input,.form-group select{padding:1rem;border:2px solid var(--color-gray-medium);border-radius:var(--radius-md);font-size:1rem;font-family:var(--font-body);transition:var(--transition-fast)}.form-group input:focus,.form-group select:focus{outline:none;border-color:var(--color-primary);box-shadow:0 0 0 3px #137dc51a}.calculator-result{background:var(--gradient-primary);color:var(--color-white);padding:var(--spacing-md);border-radius:var(--radius-md);text-align:center;margin-top:var(--spacing-md);animation:fadeIn .5s ease forwards}.calculator-result p{color:var(--color-white)}.calculator-result h3{color:var(--color-white);font-size:2.5rem;margin:var(--spacing-sm) 0}.calculator-result .loan-amount-text{font-size:.9rem;margin-top:1rem;opacity:.9}.calculator-result .btn{margin-top:1rem}@keyframes fadeIn{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}@media(max-width:640px){.calculator-wrapper{padding:var(--spacing-sm);border-radius:var(--radius-lg)}.calculator-form{gap:var(--spacing-sm)}.form-group input,.form-group select{padding:.875rem;font-size:1rem}.calculator-result h3{font-size:2rem}.calculator-result{padding:var(--spacing-sm)}}.about{background:var(--color-white)}.about-content{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-lg);align-items:center}.about-text h2{margin-bottom:var(--spacing-md)}.about-features{list-style:none;margin-top:var(--spacing-md);margin-bottom:var(--spacing-md)}.about-features li{display:flex;align-items:center;gap:var(--spacing-sm);margin-bottom:var(--spacing-sm);font-size:1.125rem}.about-features li:before{content:"✓";background:var(--gradient-primary);color:var(--color-white);width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-weight:700}.about-image{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-xl)}.about-image-placeholder{width:100%;height:500px;background:linear-gradient(135deg,#137dc5,#0a1a33);border-radius:24px;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#fff;font-size:1.2rem;text-align:center;padding:2rem}.about-image-placeholder svg{width:120px;height:120px;fill:#fff;margin-bottom:1rem}.about-image-placeholder p,.about-image-placeholder strong{color:var(--color-white)!important}@media(max-width:968px){.about-content{grid-template-columns:1fr}.about-image{order:-1}.about-image-placeholder{height:300px}.about-image-placeholder svg{width:80px;height:80px}}@media(max-width:640px){.about-features li{font-size:1rem;gap:var(--spacing-xs)}.about-features li:before{width:24px;height:24px;font-size:.8rem}.about-image-placeholder{height:250px;font-size:1rem;padding:var(--spacing-sm)}.about-image-placeholder svg{width:60px;height:60px}}} .testimonials{background:var(--color-gray-light)}.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:var(--spacing-md);margin-top:var(--spacing-lg)}.testimonial-card{background:var(--color-white);padding:var(--spacing-md);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);position:relative;opacity:0;transform:translateY(30px);transition:opacity .6s ease,transform .6s ease}.testimonial-card.visible{opacity:1;transform:translateY(0)}.testimonial-quote{font-size:3rem;color:var(--color-primary);line-height:1;margin-bottom:var(--spacing-sm);opacity:.3}.testimonial-text{font-style:italic;margin-bottom:var(--spacing-md);font-size:1.125rem}.testimonial-author{display:flex;align-items:center;gap:var(--spacing-sm)}.testimonial-avatar{width:50px;height:50px;border-radius:50%;background:var(--gradient-primary);display:flex;align-items:center;justify-content:center;color:var(--color-white);font-weight:700;font-size:1.25rem}.testimonial-info h4{margin:0;color:var(--color-secondary)}.testimonial-info p{margin:0;color:var(--color-gray-dark);font-size:.9rem}@media(max-width:968px){.testimonials-grid{grid-template-columns:1fr}}@media(max-width:640px){.testimonials-grid{gap:var(--spacing-sm);margin-top:var(--spacing-md)}.testimonial-card{padding:var(--spacing-sm)}.testimonial-quote{font-size:2rem}.testimonial-text{font-size:1rem}.testimonial-avatar{width:42px;height:42px;font-size:1rem}}.faq{background:var(--color-white)}.faq-list{max-width:800px;margin:0 auto;margin-top:var(--spacing-lg)}.faq-item{background:var(--color-white);border:2px solid var(--color-gray-medium);border-radius:var(--radius-md);margin-bottom:var(--spacing-sm);overflow:hidden;transition:var(--transition-normal);opacity:0;transform:translateY(30px)}.faq-item.visible{opacity:1;transform:translateY(0)}.faq-item.active{border-color:var(--color-primary)}.faq-question{width:100%;padding:var(--spacing-md);background:none;border:none;text-align:left;font-size:1.125rem;font-weight:600;color:var(--color-secondary);cursor:pointer;display:flex;justify-content:space-between;align-items:center;transition:var(--transition-fast);font-family:var(--font-body)}.faq-question:hover{color:var(--color-primary)}.faq-icon{font-size:1.5rem;transition:var(--transition-normal);color:var(--color-primary)}.faq-item.active .faq-icon{transform:rotate(180deg)}.faq-answer{max-height:0;overflow:hidden;transition:max-height var(--transition-normal)}.faq-answer-content{padding:0 var(--spacing-md) var(--spacing-md);color:var(--color-gray-dark);font-size:1rem;line-height:1.7}.contact{background:var(--gradient-hero);color:var(--color-white)}.contact-wrapper{max-width:600px;margin:0 auto;text-align:center}.contact-wrapper h2,.contact-wrapper p{color:var(--color-white)}.contact-form{background:#fffffff2;padding:var(--spacing-lg);border-radius:var(--radius-xl);margin-top:var(--spacing-lg);box-shadow:var(--shadow-xl)}.contact-form .form-group{text-align:left}.contact-form .form-group input,.contact-form .form-group textarea,.contact-form .form-group select{width:100%}.contact-form .form-group input.error,.contact-form .form-group textarea.error{border-color:#f44}.contact-form textarea{padding:1rem;border:2px solid var(--color-gray-medium);border-radius:var(--radius-md);font-size:1rem;font-family:var(--font-body);resize:vertical;min-height:120px}.contact-form textarea:focus{outline:none;border-color:var(--color-primary);box-shadow:0 0 0 3px #137dc51a}.contact-form .btn{width:100%;margin-top:var(--spacing-sm)}.contact-form .privacy-text{font-size:.85rem;color:var(--color-gray-dark);margin-top:1rem;text-align:center}@media(max-width:640px){.contact-form{padding:var(--spacing-sm);border-radius:var(--radius-lg);margin-top:var(--spacing-md)}.contact-form textarea{min-height:100px}.contact-wrapper h2{font-size:1.75rem}.contact-wrapper>p{font-size:1rem}}.footer{background:var(--color-secondary);color:var(--color-white);padding:var(--spacing-lg) 0 var(--spacing-md)}.footer-content{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:var(--spacing-lg);margin-bottom:var(--spacing-lg)}.footer-section h3{color:var(--color-white);margin-bottom:var(--spacing-md)}.footer-section p,.footer-section a{color:#fffc;margin-bottom:var(--spacing-xs)}.footer-section a:hover{color:var(--color-primary)}.footer-links{list-style:none}.footer-links li{margin-bottom:var(--spacing-xs)}.footer-bottom{text-align:center;padding-top:var(--spacing-md);border-top:1px solid rgba(255,255,255,.1);color:#fff9}@media(max-width:640px){.footer{padding:var(--spacing-md) 0 var(--spacing-sm)}.footer-content{grid-template-columns:1fr;gap:var(--spacing-md);text-align:center}.footer-section h3{margin-bottom:var(--spacing-sm)}.footer-bottom{padding-top:var(--spacing-sm)}.footer-bottom p{font-size:.85rem}}.whatsapp-float{position:fixed;bottom:30px;right:30px;width:60px;height:60px;background:#25d366;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-xl);z-index:999;cursor:pointer;transition:all var(--transition-normal);animation:pulse 2s infinite}.whatsapp-float:hover{transform:scale(1.1);box-shadow:0 8px 40px #25d36680}.whatsapp-float svg{width:35px;height:35px;fill:var(--color-white)}@keyframes pulse{0%,to{box-shadow:0 0 #25d366b3}50%{box-shadow:0 0 0 15px #25d36600}}@media(max-width:640px){.whatsapp-float{bottom:16px;right:16px;width:50px;height:50px}.whatsapp-float svg{width:28px;height:28px}}