:root{
  --navy:#0b2745;--navy2:#071c31;--blue:#174f7d;--ice:#eef6fb;--soft:#f7fafc;
  --text:#152536;--muted:#60758a;--line:#dbe6ef;--gold:#f4b840;--gold2:#ffcc57;
  --green:#20b567;--red:#e43737;--white:#fff;--shadow:0 18px 55px rgba(8,34,59,.12)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.62}
a{color:inherit;text-decoration:none}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}.topbar{background:var(--navy2);color:#dce8f2;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:38px}.topbar a{color:#fff;font-weight:700}.topbar .wa{color:#60e29a}
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(14px);border-bottom:1px solid rgba(11,39,69,.08)}
.nav{display:flex;align-items:center;gap:20px;min-height:86px}.brand{display:flex;align-items:center;margin-right:auto}.brand img{width:310px;max-width:38vw;height:auto}
.menu{display:flex;align-items:center;gap:15px;font-weight:700;font-size:14px;white-space:nowrap}.menu>a:not(.nav-offer):not(.navwa),.nav-dropdown-toggle{padding:11px 4px;color:#203b55}
.menu>a:not(.nav-offer):not(.navwa):hover,.nav-dropdown-toggle:hover{color:#0b6cae}.nav-dropdown{position:relative}.nav-dropdown-toggle{font:inherit;background:none;border:0;cursor:pointer}
.nav-dropdown-menu{position:absolute;right:-70px;top:44px;width:315px;padding:10px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:18px;display:none}
.nav-dropdown:hover .nav-dropdown-menu,.nav-dropdown.open .nav-dropdown-menu{display:block}.nav-dropdown-menu a{display:block;padding:10px 13px;border-radius:10px;font-size:13px}
.nav-dropdown-menu a:hover{background:var(--ice);color:#0b6cae}.nav-offer,.btn-offer,.rail-form,.band-offer{background:linear-gradient(135deg,var(--gold2),var(--gold));color:#352300!important;box-shadow:0 0 0 1px rgba(244,184,64,.35),0 0 18px rgba(244,184,64,.7),0 8px 22px rgba(244,184,64,.32)}
.nav-offer{padding:11px 14px;border-radius:12px;animation:goldGlow 2.4s ease-in-out infinite}.navwa{background:var(--green);color:#fff!important;padding:11px 13px;border-radius:12px;box-shadow:0 0 18px rgba(32,181,103,.55)}
.menu-toggle{display:none;width:44px;height:44px;border-radius:12px;border:1px solid var(--line);background:#fff;font-size:22px}.mobile-menu{display:none}
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#f7fbfe 0%,#eef7fb 55%,#fff7df 100%);padding:72px 0 58px}
.hero:after{content:"";position:absolute;width:460px;height:460px;border-radius:50%;right:-180px;top:-220px;background:radial-gradient(circle,rgba(244,184,64,.25),transparent 68%)}
.hero-grid{display:grid;grid-template-columns:1.23fr .77fr;gap:50px;align-items:center}.eyebrow,.kick{font-size:13px;text-transform:uppercase;letter-spacing:.13em;font-weight:800;color:#0e6aa4}
.hero h1{font-size:clamp(42px,5vw,72px);line-height:1.02;letter-spacing:-.045em;margin:12px 0 22px;color:var(--navy)}
.hero .lead{font-size:20px;max-width:760px;margin:0 0 20px;color:#405970}.hero strong.emph{color:#0b2745}
.hero-note{border-left:4px solid var(--gold);padding:8px 0 8px 16px;margin:22px 0;color:#405970;font-size:15px}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin:24px 0}.trust-item{background:#fff;border:1px solid #dce9f2;border-radius:13px;padding:10px 12px;font-size:13px;font-weight:700;box-shadow:0 6px 18px rgba(8,34,59,.05)}
.trust-item:before{content:"✓";color:#17a95f;margin-right:6px}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 20px;border-radius:14px;font-weight:800;border:0}
.btn-call{background:var(--red);color:#fff;box-shadow:0 0 22px rgba(228,55,55,.65),0 10px 24px rgba(228,55,55,.24);animation:redGlow 2.3s ease-in-out infinite}
.btn-wa{background:var(--green);color:#fff;box-shadow:0 0 22px rgba(32,181,103,.58),0 10px 24px rgba(32,181,103,.24)}
.btn:hover{transform:translateY(-1px)}.hero-card{position:relative;z-index:2;background:#fff;border:1px solid #dce7ef;border-radius:26px;padding:30px;box-shadow:0 24px 75px rgba(8,34,59,.15)}
.hero-card .small{font-size:13px;font-weight:800;color:#0e6aa4;text-transform:uppercase;letter-spacing:.12em}.hero-card h2{font-size:30px;line-height:1.15;margin:8px 0 12px;color:var(--navy)}
.hero-card p{color:#566d82;margin:0 0 20px}.quick-list{display:grid;gap:10px;margin:20px 0}.quick-list div{display:flex;gap:12px;align-items:flex-start;padding:12px;background:#f6fafc;border-radius:13px}
.quick-list b{display:block}.quick-list span.icon{font-size:20px}.hero-card .btn{width:100%;margin-top:8px}
.trustbar{border-bottom:1px solid var(--line);background:#fff}.trustbar .wrap{display:grid;grid-template-columns:repeat(6,1fr);gap:0}.trustbar div{padding:15px 10px;text-align:center;font-size:13px;font-weight:800;border-right:1px solid var(--line)}.trustbar div:last-child{border-right:0}
.section{padding:76px 0}.section.soft{background:var(--soft)}.section.ice{background:var(--ice)}.section h2{font-size:clamp(32px,4vw,50px);line-height:1.08;letter-spacing:-.035em;color:var(--navy);margin:10px 0 18px}
.section .lead{font-size:18px;color:#526a80;max-width:850px}.two{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:center}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}
.card,.scenario-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 8px 28px rgba(8,34,59,.055)}.card h3,.scenario-card h3{color:var(--navy);margin:8px 0 7px;font-size:20px}.card p,.scenario-card p{margin:0;color:#61778b}.card .ico{font-size:29px}
.scenario-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:26px}.scenario-card{display:flex;gap:15px;align-items:flex-start;padding:18px}.scenario-card>span{font-size:27px}.scenario-card:hover{border-color:#9fc5de;transform:translateY(-2px)}
.check{list-style:none;padding:0;margin:24px 0}.check li{padding:9px 0 9px 31px;position:relative}.check li:before{content:"✓";position:absolute;left:0;color:#14a25b;font-weight:900}
.callout{background:linear-gradient(135deg,var(--navy),#144d77);color:#fff;border-radius:26px;padding:34px;box-shadow:var(--shadow)}.callout h3{font-size:30px;line-height:1.15;margin:0 0 12px}.callout p{color:#d7e4ee}.callout .btn{margin-top:10px}
.photo-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.photo-grid img{width:100%;height:220px;object-fit:cover;border-radius:18px}.photo-grid img:first-child{grid-column:1/-1;height:285px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:30px}.step{border:1px solid var(--line);border-radius:20px;padding:22px;background:#fff}.step .n{width:36px;height:36px;display:grid;place-items:center;border-radius:50%;background:var(--navy);color:#fff;font-weight:900}.step h3{color:var(--navy);margin:16px 0 8px}.step p{color:#60758a;margin:0}
.band{background:linear-gradient(100deg,#09233e,#154e78);color:#fff;padding:30px 0}.band .wrap{display:flex;justify-content:space-between;align-items:center;gap:25px}.band strong{font-size:26px}.band div div{color:#cddce8}
.band-offer{padding:14px 20px;border-radius:14px;font-weight:900;white-space:nowrap}
.cantons{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:28px}.canton{border:1px solid var(--line);border-radius:15px;padding:14px 16px;font-weight:800;background:#fff}.canton span{display:block;font-weight:500;color:#71879a;font-size:12px}
.faq{display:grid;gap:11px;margin-top:28px}.faq details{border:1px solid var(--line);border-radius:16px;padding:0 18px;background:#fff}.faq summary{cursor:pointer;font-weight:800;color:var(--navy);padding:17px 0}.faq p{color:#60758a;margin:0 0 18px}
.content{max-width:900px}.content h2{font-size:34px;margin-top:42px}.content h3{color:var(--navy);margin-top:28px}.content p,.content li{color:#526a80}.content table{width:100%;border-collapse:collapse;margin:24px 0}.content td,.content th{border:1px solid var(--line);padding:12px;text-align:left}.content th{background:var(--ice);color:var(--navy)}
.pagehero{background:linear-gradient(135deg,#f4f9fc,#fff8e7);padding:58px 0}.pagehero h1{font-size:clamp(38px,5vw,60px);line-height:1.04;color:var(--navy);letter-spacing:-.04em;margin:10px 0 18px}.pagehero p{font-size:18px;color:#536c81;max-width:820px}
.form-shell{background:#fff;border:1px solid var(--line);border-radius:24px;padding:12px;box-shadow:var(--shadow)}.jotform-frame-auto{width:100%;height:1600px;min-height:1200px;border:0;overflow:hidden;background:#fff;border-radius:16px}
.footer{background:#071c31;color:#d4e1eb;padding:55px 0 26px}.footergrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:40px}.footer img{width:270px;filter:brightness(0) invert(1);opacity:.95}.footer h3{color:#fff;font-size:15px}.footer a{display:block;padding:5px 0;color:#d4e1eb}.footer a:hover{color:#fff}.footbrand p{color:#aebfcd;max-width:360px}.subfoot{display:flex;justify-content:space-between;gap:20px;border-top:1px solid rgba(255,255,255,.12);margin-top:35px;padding-top:20px;color:#8fa4b6;font-size:12px}
.contact-rail{position:fixed;right:16px;top:50%;transform:translateY(-50%);z-index:45;display:grid;gap:9px}.rail-btn{width:118px;min-height:60px;border-radius:16px;color:#fff;display:grid;place-items:center;text-align:center;font-size:12px;font-weight:800;box-shadow:0 10px 30px rgba(0,0,0,.18)}.rail-icon{font-size:18px}.rail-call{background:var(--red);box-shadow:0 0 23px rgba(228,55,55,.65),0 10px 30px rgba(0,0,0,.18)}.rail-wa{background:var(--green);box-shadow:0 0 23px rgba(32,181,103,.55),0 10px 30px rgba(0,0,0,.18)}.rail-form{color:#352300}
.mobilebar{display:none}
@keyframes goldGlow{0%,100%{box-shadow:0 0 12px rgba(244,184,64,.42),0 7px 20px rgba(244,184,64,.2)}50%{box-shadow:0 0 26px rgba(244,184,64,.85),0 9px 28px rgba(244,184,64,.32)}}
@keyframes redGlow{0%,100%{box-shadow:0 0 16px rgba(228,55,55,.48),0 8px 22px rgba(228,55,55,.2)}50%{box-shadow:0 0 28px rgba(228,55,55,.82),0 10px 28px rgba(228,55,55,.3)}}
@media(max-width:1120px){.brand img{width:260px}.menu{gap:10px;font-size:13px}.nav-offer,.navwa{padding:10px}.cantons{grid-template-columns:repeat(3,1fr)}}
@media(max-width:980px){
 body{padding-bottom:65px}.topbar .wrap{justify-content:center}.topbar .wrap>span:first-child{display:none}.nav{min-height:76px}.brand img{width:250px;max-width:70vw}.menu{display:none}.menu-toggle{display:block}
 .mobile-menu{position:absolute;left:0;right:0;top:76px;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:15px 20px 22px;box-shadow:0 20px 35px rgba(8,34,59,.14);max-height:calc(100vh - 110px);overflow:auto}
 .mobile-menu.open{display:block}.mobile-menu a,.mobile-menu .mobile-label{display:block;padding:13px 10px;border-bottom:1px solid #edf2f6;font-weight:800}.mobile-menu .mobile-label{color:#668096;font-size:12px;text-transform:uppercase;letter-spacing:.1em;margin-top:8px}
 .mobile-menu .mobile-offer{background:var(--gold);border-radius:12px;margin:10px 0 4px;color:#352300}.mobile-menu .mobile-wa{background:var(--green);border-radius:12px;color:#fff;margin-top:8px}
 .hero{padding:48px 0}.hero-grid,.two{grid-template-columns:1fr}.hero-card{max-width:650px}.trust-grid{grid-template-columns:repeat(2,1fr)}.trustbar .wrap{grid-template-columns:repeat(3,1fr)}.trustbar div:nth-child(3){border-right:0}
 .cards{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.cantons{grid-template-columns:repeat(2,1fr)}.footergrid{grid-template-columns:1fr 1fr}.contact-rail{display:none}
 .mobilebar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60}.mobilebar a{height:64px;display:grid;place-items:center;color:#fff;font-weight:900}.mobilebar .call{background:var(--red);box-shadow:0 -8px 22px rgba(228,55,55,.28)}.mobilebar .wa{background:var(--green);box-shadow:0 -8px 22px rgba(32,181,103,.25)}
 .jotform-frame-auto{height:1800px;min-height:1350px}
}
@media(max-width:620px){
 .wrap{width:min(100% - 28px,1180px)}.hero h1{font-size:43px}.hero .lead{font-size:18px}.trust-grid{grid-template-columns:1fr 1fr}.trust-item{font-size:12px}.actions{display:grid}.actions .btn{width:100%}
 .trustbar .wrap{grid-template-columns:repeat(2,1fr)}.trustbar div{border-right:1px solid var(--line)}.trustbar div:nth-child(2n){border-right:0}.cards,.scenario-grid,.steps,.cantons,.footergrid{grid-template-columns:1fr}.section{padding:58px 0}
 .photo-grid{grid-template-columns:1fr}.photo-grid img,.photo-grid img:first-child{grid-column:auto;height:220px}.band .wrap{display:grid}.band-offer{text-align:center}.subfoot{display:grid}.footer img{width:245px}
}


/* ===== Premium brand/header/footer refresh ===== */
.topbar{
  background:#081f36;
  border-bottom:1px solid rgba(255,255,255,.07);
}
.topbar .wrap{
  min-height:34px;
  gap:24px;
}
.topbar-promise{
  display:flex;
  align-items:center;
  gap:9px;
  color:#c9d7e2;
  font-weight:650;
  letter-spacing:.01em;
}
.top-dot{
  width:7px;height:7px;border-radius:50%;
  background:#52cbb9;
  box-shadow:0 0 0 5px rgba(82,203,185,.10);
}
.topbar-contact{
  margin-left:auto;
  display:flex;
  align-items:center;
  gap:18px;
}
.topbar-contact a{
  font-size:13px;
  font-weight:750;
}
.topbar-contact .wa{color:#6de0a2}

.header{
  background:rgba(255,255,255,.985);
  border-bottom:1px solid rgba(11,39,69,.08);
  box-shadow:0 10px 32px rgba(11,39,69,.055);
}
.nav{
  min-height:82px;
  gap:16px;
}
.brand{
  min-width:245px;
  padding:4px 0;
}
.brand img{
  width:276px;
  max-width:31vw;
  display:block;
}
.menu{
  gap:18px;
  font-size:13.5px;
}
.menu>a:not(.nav-offer):not(.navwa),.nav-dropdown-toggle{
  padding:12px 2px;
  color:#2b4358;
  transition:color .18s ease;
}
.nav-dropdown-toggle:after{content:"";display:none}
.nav-dropdown-menu{
  top:48px;
  width:300px;
  right:-40px;
  border:1px solid #e1eaf1;
  border-radius:16px;
  padding:9px;
  box-shadow:0 22px 55px rgba(7,28,49,.16);
}
.nav-dropdown-menu a{
  padding:10px 12px;
  font-weight:650;
}
.nav-offer{
  border-radius:11px;
  padding:11px 14px;
  font-size:13px;
}
.navwa{
  border-radius:11px;
  padding:11px 13px;
  font-size:13px;
  background:#16a861;
}
.menu-toggle{
  background:#f8fbfd;
  border-color:#dbe6ee;
  color:#0b2745;
}

/* premium footer */
.footer{
  padding:0;
  background:#071b2f;
  color:#d6e3ec;
}
.footer-cta{
  position:relative;
  overflow:hidden;
  background:linear-gradient(120deg,#f7fafc 0%,#edf6fa 55%,#fff8e7 100%);
  color:#0b2745;
  border-top:1px solid #e0e9ef;
}
.footer-cta:after{
  content:"";
  position:absolute;
  width:360px;height:360px;border-radius:50%;
  right:-110px;top:-210px;
  background:radial-gradient(circle,rgba(244,184,64,.24),rgba(244,184,64,0) 68%);
}
.footer-cta-inner{
  position:relative;
  z-index:1;
  min-height:245px;
  padding:48px 0;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:45px;
}
.footer-kicker{
  display:block;
  margin-bottom:8px;
  color:#0e6a78;
  text-transform:uppercase;
  letter-spacing:.13em;
  font-size:12px;
  font-weight:850;
}
.footer-cta h2{
  margin:0 0 10px;
  max-width:660px;
  font-size:clamp(30px,3.5vw,47px);
  line-height:1.04;
  letter-spacing:-.035em;
}
.footer-cta p{
  margin:0;
  max-width:690px;
  color:#5a7083;
  font-size:17px;
}
.footer-cta-actions{
  min-width:245px;
  display:grid;
  gap:11px;
}
.footer-primary,.footer-whatsapp{
  display:flex;
  min-height:50px;
  align-items:center;
  justify-content:center;
  padding:0 20px;
  border-radius:13px;
  font-weight:850;
  white-space:nowrap;
}
.footer-primary{
  background:linear-gradient(135deg,#ffcf61,#f4b840);
  color:#322300!important;
  box-shadow:0 0 22px rgba(244,184,64,.42),0 12px 26px rgba(120,90,20,.14);
}
.footer-whatsapp{
  background:#16a861;
  color:#fff!important;
  box-shadow:0 0 20px rgba(22,168,97,.26);
}
.footer-main{
  background:
    radial-gradient(circle at 12% 0%,rgba(39,105,147,.17),transparent 32%),
    #071b2f;
  padding:0 0 24px;
}
.footer-trust{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:0;
  border-bottom:1px solid rgba(255,255,255,.09);
  margin-bottom:44px;
}
.footer-trust span{
  padding:19px 16px;
  text-align:center;
  color:#e4edf4;
  font-size:12.5px;
  font-weight:750;
  border-right:1px solid rgba(255,255,255,.09);
}
.footer-trust span:last-child{border-right:0}
.footergrid{
  grid-template-columns:1.45fr .9fr .95fr .8fr;
  gap:48px;
  align-items:start;
}
.footer-logo{
  display:inline-block!important;
  padding:0!important;
}
.footer .footer-logo img{
  width:292px;
  max-width:100%;
  filter:none;
  opacity:1;
  display:block;
}
.footbrand p{
  color:#aebfcd;
  max-width:390px;
  font-size:14px;
  margin:20px 0;
}
.footer-contact{
  display:grid;
  gap:4px;
  margin-top:18px;
}
.footer-contact a{
  width:max-content;
  color:#cfe0eb;
  padding:3px 0;
}
.footer-contact .footer-phone{
  color:#fff;
  font-size:17px;
  font-weight:850;
}
.footer-col h3{
  color:#fff;
  margin:7px 0 15px;
  font-size:12px;
  text-transform:uppercase;
  letter-spacing:.12em;
}
.footer-col a{
  padding:6px 0;
  color:#adc0cf;
  font-size:13.5px;
  transition:color .15s ease, transform .15s ease;
}
.footer-col a:hover{
  color:#fff;
  transform:translateX(2px);
}
.subfoot{
  margin-top:42px;
  padding-top:20px;
  color:#7f98aa;
  border-top:1px solid rgba(255,255,255,.08);
}

@media(max-width:1180px){
  .brand{min-width:220px}
  .brand img{width:245px}
  .menu{gap:12px;font-size:12.8px}
  .nav-offer,.navwa{padding:10px 11px}
}
@media(max-width:980px){
  .topbar .wrap{justify-content:space-between}
  .topbar-promise{display:flex!important;font-size:12px}
  .topbar-contact a:first-child{display:none}
  .nav{min-height:74px}
  .brand img{width:238px;max-width:72vw}
  .mobile-menu{top:74px}
  .footer-cta-inner{display:grid;gap:26px}
  .footer-cta-actions{min-width:0;grid-template-columns:1fr 1fr}
  .footergrid{grid-template-columns:1fr 1fr;gap:38px}
  .footer-trust{grid-template-columns:1fr 1fr}
  .footer-trust span:nth-child(2){border-right:0}
  .footer-trust span:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.09)}
}
@media(max-width:620px){
  .topbar-promise{font-size:11px}
  .topbar-contact{gap:8px}
  .topbar-contact .wa{font-size:12px}
  .brand img{width:222px}
  .footer-cta-inner{padding:39px 0}
  .footer-cta-actions{grid-template-columns:1fr}
  .footergrid{grid-template-columns:1fr;gap:28px}
  .footer-trust{grid-template-columns:1fr 1fr}
  .footer .footer-logo img{width:270px}
  .subfoot{gap:5px}
}