:root {
  --navy: #092c74;
  --navy-dark: #061e50;
  --blue: #174ba6;
  --green: #008f43;
  --green-bright: #13aa5b;
  --green-soft: #e8f7ee;
  --ink: #10244e;
  --muted: #5d6d89;
  --line: #dce4ef;
  --cloud: #f4f7fb;
  --white: #fff;
  --shadow: 0 24px 65px rgba(7, 38, 94, .14);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; -webkit-font-smoothing: antialiased; }
button, input, select { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
.skip-link { position: fixed; left: 12px; top: -70px; z-index: 200; padding: 12px 18px; color: white; background: var(--navy); border-radius: 8px; }
.skip-link:focus { top: 12px; }

.site-header { height: 106px; position: sticky; top: 0; z-index: 80; display: flex; align-items: center; gap: 25px; padding: 0 clamp(20px, 4vw, 65px); background: rgba(255,255,255,.96); border-bottom: 1px solid rgba(9,44,116,.11); backdrop-filter: blur(16px); }
.official-logo { width: 420px; position: relative; display: flex; flex-direction: column; align-items: flex-start; margin-right: auto; padding: 6px 0; }
.official-logo img { width: 276px; height: 57px; object-fit: contain; object-position: left center; }
.registered-badge { position: absolute; z-index: 2; display: inline-grid; place-items: center; color: var(--navy); background: transparent; font-size: 13px; font-weight: 900; line-height: 1; text-shadow: 0 0 3px rgba(255,255,255,.95); }
.official-logo .registered-badge { left: 258px; right: auto; top: 9px; }
.official-company-name { display: block; width: 100%; margin-top: 1px; padding-left: 2px; color: var(--navy); font-size: 11px; font-weight: 900; line-height: 1.25; letter-spacing: .025em; white-space: nowrap; }
.desktop-nav { display: flex; align-items: center; gap: 24px; color: #263e6d; font-size: 12px; font-weight: 750; }
.desktop-nav a { position: relative; padding: 43px 0 39px; }
.desktop-nav a::after { content: ""; position: absolute; left: 0; right: 100%; bottom: 29px; height: 2px; background: var(--green); transition: .2s ease; }
.desktop-nav a:hover::after { right: 0; }
.header-cta, .button { display: inline-flex; align-items: center; justify-content: center; gap: 10px; border: 0; border-radius: 9px; cursor: pointer; font-weight: 800; transition: .2s ease; }
.header-cta { padding: 13px 18px; color: white; background: var(--green); font-size: 12px; box-shadow: 0 11px 25px rgba(0,143,67,.22); }
.header-cta:hover, .whatsapp-button:hover { background: #007c3a; transform: translateY(-1px); }

.hero { min-height: 720px; position: relative; display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(380px, .95fr); align-items: center; gap: clamp(40px, 7vw, 105px); padding: 72px clamp(24px, 7vw, 112px) 135px; overflow: hidden; background: radial-gradient(circle at 85% 18%, #e4f4e8 0, transparent 33%), linear-gradient(110deg, #fff 0%, #fff 51%, #f1f6fb 100%); }
.hero::before { content: ""; position: absolute; inset: 0; pointer-events: none; background-image: linear-gradient(rgba(9,44,116,.025) 1px, transparent 1px), linear-gradient(90deg, rgba(9,44,116,.025) 1px, transparent 1px); background-size: 42px 42px; mask-image: linear-gradient(to right, transparent 0, black 70%, black 100%); }
.hero-copy, .fico-hero { position: relative; z-index: 2; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; color: var(--green); text-transform: uppercase; letter-spacing: .13em; font-size: 10px; font-weight: 900; }
.eyebrow i { width: 18px; height: 2px; background: currentColor; }
.hero h1 { max-width: 710px; margin: 20px 0; color: var(--navy); font-family: Georgia, "Times New Roman", serif; font-size: clamp(49px, 5vw, 77px); line-height: 1.01; letter-spacing: -.043em; font-weight: 600; }
.hero h1 em { color: var(--green); font-style: normal; }
.hero-copy > p { max-width: 620px; margin: 0; color: var(--muted); font-size: 17px; line-height: 1.75; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 31px; }
.button { min-height: 49px; padding: 0 20px; }
.button-primary { color: white; background: var(--green); box-shadow: 0 13px 28px rgba(0,143,67,.2); }
.button-secondary { color: var(--navy); background: white; border: 1px solid #9fb0cb; }
.button-primary:hover { background: #007b39; transform: translateY(-2px); }
.button-secondary:hover { border-color: var(--green); color: var(--green); }
.hero-trust { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 33px; }
.hero-trust span { min-width: 150px; display: flex; flex-direction: column; padding: 10px 13px; border-left: 3px solid var(--green); border-radius: 0 8px 8px 0; background: rgba(255,255,255,.72); }
.hero-trust b, .hero-trust small { display: block; }
.hero-trust b { color: var(--navy); font-size: 12px; }
.hero-trust small { margin-top: 3px; color: var(--muted); font-size: 8px; }

.fico-hero { min-height: 530px; display: flex; align-items: flex-end; justify-content: center; }
.fico-hero::before { content: ""; width: min(39vw, 500px); height: min(39vw, 500px); position: absolute; left: 50%; bottom: 3%; transform: translateX(-50%); border-radius: 50%; background: linear-gradient(145deg, #e9f7ed, #d8ebf7); border: 1px solid rgba(0,143,67,.15); box-shadow: inset 0 0 0 18px rgba(255,255,255,.48); }
.fico-hero > img { width: min(34vw, 430px); max-height: 520px; position: relative; z-index: 2; object-fit: contain; object-position: bottom; filter: drop-shadow(0 25px 28px rgba(10,38,82,.16)); }
.hero-orbit { position: absolute; z-index: 1; border-radius: 50%; opacity: .58; }
.orbit-one { width: 74px; height: 74px; right: 4%; top: 9%; background: #c8ecd6; }
.orbit-two { width: 35px; height: 35px; left: 3%; bottom: 20%; background: #9ab9e5; }
.fico-speech { width: 225px; position: absolute; z-index: 4; right: -2%; top: 10%; padding: 18px 19px; border: 1px solid #d9e2ef; border-radius: 18px 18px 18px 4px; background: rgba(255,255,255,.96); box-shadow: var(--shadow); }
.fico-speech span { color: var(--navy); font-family: Georgia, serif; font-size: 21px; }
.fico-speech strong { color: var(--green); }
.fico-speech p { margin: 7px 0 13px; color: var(--muted); font-size: 11px; }
.fico-speech a { display: inline-flex; gap: 8px; color: var(--green); font-size: 10px; font-weight: 850; }
.floating-badge { position: absolute; z-index: 4; display: flex; align-items: center; gap: 10px; padding: 13px 15px; border-radius: 13px; background: white; box-shadow: 0 16px 38px rgba(8,39,94,.15); }
.floating-badge > span { display: grid; place-items: center; width: 34px; height: 34px; border-radius: 10px; color: var(--green); background: var(--green-soft); font-weight: 900; }
.floating-badge b, .floating-badge small { display: block; }
.floating-badge b { color: var(--navy); font-size: 10px; }
.floating-badge small { margin-top: 3px; color: var(--muted); font-size: 8px; }
.badge-safe { left: -4%; bottom: 12%; }
.badge-fast { right: 1%; bottom: 2%; }
.confidence-bar { min-height: 94px; position: absolute; z-index: 5; left: clamp(24px, 4vw, 65px); right: clamp(24px, 4vw, 65px); bottom: 0; display: grid; grid-template-columns: repeat(4, 1fr); align-items: center; padding: 19px 28px; border-radius: 14px 14px 0 0; color: white; background: linear-gradient(100deg, var(--navy-dark), #073b80); box-shadow: 0 20px 45px rgba(4,28,72,.22); }
.confidence-bar > div { min-width: 0; display: flex; align-items: center; gap: 13px; padding: 0 24px; border-right: 1px solid rgba(255,255,255,.22); }
.confidence-bar > div:last-child { border: 0; }
.confidence-icon { width: 36px; height: 36px; display: grid; flex: 0 0 36px; place-items: center; border: 1px solid rgba(255,255,255,.32); border-radius: 50%; color: #78e2a7; font-family: Georgia, serif; font-size: 10px; font-weight: 800; }
.confidence-bar p, .confidence-bar strong, .confidence-bar small { display: block; margin: 0; }
.confidence-bar strong { font-size: 11px; }
.confidence-bar small { margin-top: 4px; color: #b8c7df; font-size: 8px; line-height: 1.4; }

.solutions { padding: 96px clamp(20px, 5vw, 80px); background: var(--cloud); }
.section-heading.centered { max-width: 760px; margin: 0 auto 40px; text-align: center; }
.section-heading .eyebrow { justify-content: center; }
.section-heading h2, .simulator-intro h2 { margin: 10px 0 0; color: var(--navy); font-family: Georgia, serif; font-size: clamp(34px, 3.7vw, 50px); letter-spacing: -.03em; font-weight: 600; }
.section-heading p { margin: 13px 0 0; color: var(--muted); font-size: 14px; }
.solution-benefits { display: flex; flex-wrap: wrap; justify-content: center; gap: 9px; margin: 22px -110px 0; }
.solution-benefits span { min-height: 38px; display: inline-flex; align-items: center; gap: 8px; padding: 8px 13px; border: 1px solid #c7e4d1; border-radius: 999px; color: #08713a; background: #edf9f1; font-size: 10px; font-weight: 850; line-height: 1.35; }
.solution-benefits b { width: 20px; height: 20px; flex: 0 0 20px; display: grid; place-items: center; border-radius: 50%; color: white; background: var(--green); font-size: 10px; }
.credit-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 14px; }
.credit-card { min-height: 362px; position: relative; display: flex; flex-direction: column; align-items: flex-start; padding: 25px 22px 20px; border: 1px solid var(--line); border-radius: 16px; background: white; transition: .22s ease; overflow: hidden; }
.credit-card::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px; background: var(--green); transform: scaleX(0); transition: .22s ease; transform-origin: left; }
.credit-card:hover, .credit-card.active { transform: translateY(-5px); border-color: #98afd0; box-shadow: 0 18px 45px rgba(9,44,116,.11); }
.credit-card:hover::after, .credit-card.active::after { transform: scaleX(1); }
.credit-visual { width: 70px; height: 70px; display: grid; place-items: center; border: 1px solid rgba(9,44,116,.08); border-radius: 18px; overflow: hidden; }
.credit-visual img { width: 64px; height: 64px; object-fit: contain; filter: drop-shadow(0 7px 8px rgba(8,37,88,.12)); }
.visual-personal { background: #eef7e9; }.visual-nomina { background: #eaf1fd; }.visual-pyme { background: #edf7f0; }.visual-empresa { background: #eaf2f8; }.visual-solar { background: #f3f9e7; }
.credit-card > small { margin-top: 17px; color: var(--green); text-transform: uppercase; letter-spacing: .1em; font-size: 8px; font-weight: 900; }
.credit-card h3 { margin: 7px 0 9px; color: var(--navy); font-family: Georgia, serif; font-size: 21px; line-height: 1.15; }
.credit-card p { margin: 0 0 15px; color: var(--muted); font-size: 11px; line-height: 1.6; }
.credit-card > strong { margin-top: auto; color: var(--navy); font-size: 11px; }
.credit-card > button { width: 100%; display: flex; justify-content: space-between; margin-top: 15px; padding: 12px 0 0; border: 0; border-top: 1px solid #edf0f5; color: var(--green); background: transparent; font-size: 10px; font-weight: 850; cursor: pointer; }
.recommended { position: absolute; right: 13px; top: 14px; padding: 5px 8px; border-radius: 99px; color: #70439d; background: #f0e8f8; text-transform: uppercase; letter-spacing: .06em; font-size: 7px; font-weight: 900; }

.payroll-partners { max-width: 1250px; margin: 30px auto 0; padding: 26px 28px 20px; border: 1px solid var(--line); border-radius: 18px; background: white; box-shadow: 0 15px 38px rgba(9,44,116,.07); }
.partners-heading { display: flex; align-items: flex-end; justify-content: space-between; gap: 30px; margin-bottom: 18px; }
.partners-heading h3 { margin: 7px 0 0; color: var(--navy); font-family: Georgia, serif; font-size: 25px; }
.partners-heading > p { max-width: 460px; margin: 0; color: var(--muted); font-size: 10px; line-height: 1.55; }
.partner-logos { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 8px; }
.partner-logos > span { min-width: 0; height: 74px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 5px; padding: 7px 10px; border: 1px solid #dce9e2; border-radius: 10px; background: #f3f8f5; }
.partner-logos img { width: auto; height: auto; max-width: 100%; max-height: 42px; object-fit: contain; }
.partner-logos .partner-with-location img { max-height: 34px; }
.partner-logos small { display: block; color: var(--navy); font-size: 8.5px; font-weight: 850; line-height: 1.15; text-align: center; }
.payroll-partners > small { display: block; margin-top: 12px; color: #8390a3; font-size: 7.5px; line-height: 1.5; }

.simulator-shell { max-width: 1250px; margin: 72px auto 0; display: grid; grid-template-columns: .9fr 1.1fr; align-items: center; gap: clamp(40px, 8vw, 110px); padding: 58px; border-radius: 30px; background: linear-gradient(140deg, var(--navy-dark), #0a3d82); box-shadow: 0 30px 75px rgba(6,30,80,.2); }
.eyebrow.light { color: #69dfa0; }
.simulator-intro h2 { color: white; font-size: clamp(37px, 4.1vw, 55px); }
.simulator-points { display: grid; gap: 15px; margin-top: 28px; }
.simulator-points span { display: flex; align-items: center; gap: 13px; color: #e4ebf6; font-size: 14px; font-weight: 750; }
.simulator-points b { width: 36px; height: 36px; display: grid; flex: 0 0 36px; place-items: center; border-radius: 50%; color: var(--navy); background: #65db99; font-size: 15px; }
.simulator-closing { margin: 26px 0 0; color: #72e0a4; font-family: Georgia, serif; font-size: clamp(20px, 2.1vw, 27px); font-weight: 650; line-height: 1.25; }
.calculator { padding: 30px; border-radius: 22px; background: white; box-shadow: 0 24px 65px rgba(0,0,0,.24); }
.calculator-heading { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 21px; }
.calculator-heading small { color: var(--muted); text-transform: uppercase; letter-spacing: .1em; font-size: 8px; font-weight: 850; }
.calculator-heading h3 { margin: 4px 0 0; color: var(--navy); font-family: Georgia, serif; font-size: 23px; }
.calculator-heading > span { padding: 6px 9px; border-radius: 99px; color: #08743c; background: var(--green-soft); font-size: 8px; font-weight: 800; }
.calculator label { color: #4c5e7b; font-size: 10px; font-weight: 780; }
.calculator select { width: 100%; min-height: 43px; margin-top: 7px; padding: 0 12px; border: 1px solid #d8e0eb; border-radius: 9px; color: var(--navy); background: white; outline: 0; }
.calculator select:focus { border-color: #6d92ca; box-shadow: 0 0 0 3px rgba(23,75,166,.08); }
.amount-field { display: block; margin-top: 20px; }
.product-rule { margin: 14px 0 0; padding: 10px 12px; border-left: 3px solid var(--green); border-radius: 0 8px 8px 0; color: #48627b; background: var(--green-soft); font-size: 9px; line-height: 1.5; }
.credit-benefits { display: grid; grid-template-columns: .85fr 1.5fr; gap: 8px; margin-top: 12px; }
.credit-benefits span { min-height: 48px; display: flex; align-items: center; gap: 8px; padding: 9px 11px; border: 1px solid #cbe7d5; border-radius: 10px; color: #126a3c; background: #f1fbf5; font-size: 8.5px; font-weight: 800; line-height: 1.35; }
.credit-benefits b { width: 21px; height: 21px; flex: 0 0 21px; display: grid; place-items: center; border-radius: 50%; color: white; background: var(--green); font-size: 10px; }
.calculator-columns { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; margin-top: 20px; }
.static-value { width: 100%; min-height: 43px; display: flex; align-items: center; margin-top: 7px; padding: 0 12px; border: 1px solid #cfe3d7; border-radius: 9px; color: #08713a; background: var(--green-soft); font-size: 12px; font-weight: 850; }
.calculation-result { margin-top: 21px; padding: 19px; border-radius: 14px; background: #eef5f2; text-align: center; }
.calculation-result > small { color: #65758c; font-size: 9px; font-weight: 750; }
.calculation-result > strong { display: block; margin: 5px 0 13px; color: var(--navy); font-size: 31px; letter-spacing: -.03em; }
.calculation-result div { display: grid; grid-template-columns: 1fr 1fr; padding-top: 12px; border-top: 1px solid #d5e4dc; color: #6d798c; font-size: 8px; }
.calculation-result i { display: block; font-style: normal; }
.calculation-result b { display: block; margin-top: 3px; color: #344966; font-size: 10px; }
.whatsapp-button { width: 100%; margin-top: 17px; color: white; background: var(--green); }
.simulator-disclaimer { margin: 11px 0 0; color: #7c8798; text-align: center; font-size: 7.5px; line-height: 1.5; }

.recommendation-section { max-width: 1250px; display: grid; grid-template-columns: 1.05fr .95fr; gap: 18px; margin: 72px auto 0; scroll-margin-top: 105px; }
.recommendation-copy, .public-opinions { min-width: 0; padding: 38px; border-radius: 24px; }
.recommendation-copy { color: white; background: linear-gradient(140deg, #071f52, #0a4389); box-shadow: var(--shadow); }
.recommendation-copy h2 { margin: 10px 0 16px; color: white; font-family: Georgia, serif; font-size: clamp(31px, 3.3vw, 46px); font-weight: 600; letter-spacing: -.03em; line-height: 1.08; }
.recommendation-copy > p { max-width: 720px; margin: 0; color: #cbd6e7; font-size: 12px; line-height: 1.7; }
.recommendation-copy ul { display: grid; grid-template-columns: repeat(3, 1fr); gap: 9px; margin: 25px 0 0; padding: 0; list-style: none; }
.recommendation-copy li { padding: 14px; border: 1px solid rgba(255,255,255,.13); border-radius: 12px; background: rgba(255,255,255,.06); }
.recommendation-copy li b, .recommendation-copy li span { display: block; }
.recommendation-copy li b { color: #73dfa3; font-size: 10px; }
.recommendation-copy li span { margin-top: 5px; color: #c3cee0; font-size: 8.5px; line-height: 1.5; }
.public-opinions { display: flex; flex-direction: column; justify-content: center; border: 1px solid #cde7d6; background: radial-gradient(circle at 90% 0, rgba(0,143,67,.13), transparent 38%), white; box-shadow: 0 18px 45px rgba(9,44,116,.08); }
.opinions-kicker { color: var(--green); text-transform: uppercase; letter-spacing: .12em; font-size: 8px; font-weight: 900; }
.public-opinions h3 { margin: 9px 0 10px; color: var(--navy); font-family: Georgia, serif; font-size: clamp(27px, 2.7vw, 38px); line-height: 1.1; }
.public-opinions > p { margin: 0; color: var(--muted); font-size: 11px; line-height: 1.65; }
.opinion-links { display: grid; gap: 9px; margin-top: 20px; }
.opinion-links a { min-height: 52px; display: grid; grid-template-columns: 32px 1fr auto; align-items: center; gap: 10px; padding: 10px 13px; border: 1px solid #dce6ee; border-radius: 11px; color: var(--navy); background: #f9fbfd; transition: transform .2s ease, border-color .2s ease; }
.opinion-links a:hover { border-color: #a8cfb7; transform: translateY(-2px); }
.opinion-links span { width: 32px; height: 32px; display: grid; place-items: center; border-radius: 50%; color: white; background: var(--navy); font-family: Arial, sans-serif; font-size: 15px; font-weight: 900; }
.opinion-links a:nth-child(2) span { background: #1877f2; }
.opinion-links b { font-size: 10px; }
.opinion-links i { color: var(--green); font-style: normal; font-size: 15px; }
.public-opinions small { display: block; margin-top: 15px; color: #7b889b; font-size: 8px; line-height: 1.55; }

.institutional { padding: 100px clamp(20px, 6vw, 95px); background: linear-gradient(180deg, #fff 0, #f7fafc 100%); }
.institutional-heading { max-width: 1250px; display: flex; align-items: flex-end; justify-content: space-between; gap: 45px; margin: 0 auto 32px; }
.institutional-heading h2, .process-heading h2, .trust-contact h2 { margin: 10px 0 0; color: var(--navy); font-family: Georgia, serif; font-size: clamp(34px, 3.7vw, 50px); letter-spacing: -.03em; font-weight: 600; line-height: 1.08; }
.institutional-heading > p { max-width: 445px; margin: 0 0 3px; color: var(--muted); font-size: 13px; line-height: 1.7; }
.story-grid { max-width: 1250px; display: grid; grid-template-columns: 1.05fr .95fr; gap: 18px; margin: auto; }
.story-photo { min-height: 560px; position: relative; grid-row: span 2; margin: 0; overflow: hidden; border-radius: 24px; background: #e8edf4; box-shadow: var(--shadow); }
.story-photo::after { content: ""; position: absolute; inset: 0; pointer-events: none; background: linear-gradient(to top, rgba(5,26,72,.72), transparent 42%); }
.story-photo img { width: 100%; height: 100%; object-fit: cover; }
.story-photo figcaption { position: absolute; z-index: 2; left: 30px; right: 30px; bottom: 25px; color: white; }
.story-photo figcaption b, .story-photo figcaption span { display: block; }
.story-photo figcaption b { font-family: Georgia, serif; font-size: 24px; font-weight: 600; }
.story-photo figcaption span { margin-top: 5px; color: #d9e4f2; font-size: 10px; }
.history-panel, .philosophy-panel { min-height: 271px; padding: 32px; border-radius: 24px; box-shadow: var(--shadow); }
.history-panel { color: white; background: linear-gradient(140deg, var(--navy-dark), #0a4389); }
.philosophy-panel { display: flex; flex-direction: column; justify-content: center; border: 1px solid #cde7d6; background: radial-gradient(circle at 90% 5%, rgba(0,143,67,.12), transparent 35%), var(--green-soft); }
.panel-kicker { color: #72e1a4; text-transform: uppercase; letter-spacing: .13em; font-size: 8px; font-weight: 900; }
.philosophy-panel .panel-kicker { color: var(--green); }
.history-panel h3 { margin: 9px 0 13px; font-family: Georgia, serif; font-size: clamp(28px, 3vw, 39px); font-weight: 600; }
.history-panel > p { max-width: 760px; margin: 0; color: #c8d4e6; font-size: 12px; line-height: 1.7; }
.history-timeline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; margin-top: 20px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.18); }
.history-timeline > div { position: relative; padding: 0 20px; border-left: 1px solid rgba(255,255,255,.18); }
.history-timeline > div:first-child { padding-left: 0; border-left: 0; }
.history-timeline b, .history-timeline span { display: block; }
.history-timeline b { color: #73dfa3; font-family: Georgia, serif; font-size: 18px; }
.history-timeline span { margin-top: 5px; color: #bdcbe0; font-size: 9px; line-height: 1.5; }
.philosophy-panel blockquote { margin: 14px 0 22px; color: var(--navy); font-family: Georgia, serif; font-size: clamp(21px, 2vw, 28px); line-height: 1.35; }
.philosophy-panel a { color: var(--green); font-size: 10px; font-weight: 850; }
.values-grid { max-width: 1250px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin: 18px auto 0; }
.values-grid article { padding: 23px 22px; border: 1px solid var(--line); border-radius: 16px; background: white; }
.values-grid article > span { color: #82a493; font-size: 8px; font-weight: 900; }
.values-grid h3 { margin: 8px 0 5px; color: var(--navy); font-family: Georgia, serif; font-size: 21px; }
.values-grid p { margin: 0; color: var(--muted); font-size: 10px; line-height: 1.5; }

.faq-panel summary::-webkit-details-marker { display: none; }
.faq-panel summary b { width: 24px; height: 24px; flex: 0 0 24px; display: grid; place-items: center; border-radius: 50%; color: var(--green); background: var(--green-soft); font-family: Inter, sans-serif; font-size: 15px; transition: transform .2s ease; }
.faq-panel details[open] summary b { transform: rotate(45deg); }

.process-block { max-width: 1250px; margin: 86px auto 0; padding: 42px; border-radius: 26px; background: linear-gradient(135deg, var(--navy-dark), #0a4084); box-shadow: var(--shadow); }
.process-heading { max-width: 750px; }
.process-heading h2 { color: white; }
.process-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 10px; margin-top: 28px; }
.process-grid article { min-height: 166px; padding: 19px 17px; border: 1px solid rgba(255,255,255,.12); border-radius: 14px; background: rgba(255,255,255,.07); }
.process-grid b { width: 34px; height: 34px; display: grid; place-items: center; border-radius: 50%; color: var(--navy); background: #6de0a1; font-size: 14px; }
.process-grid h3 { margin: 15px 0 7px; color: white; font-size: 12px; line-height: 1.35; }
.process-grid p { margin: 0; color: #c5d1e3; font-size: 9px; line-height: 1.55; }

.office-presence { max-width: 1250px; display: grid; grid-template-columns: 1.05fr .95fr; align-items: stretch; gap: 24px; margin: 86px auto 0; scroll-margin-top: 105px; }
.office-gallery { min-height: 470px; position: relative; }
.office-main-photo { height: 100%; position: relative; margin: 0; overflow: hidden; border-radius: 24px; background: #e8edf4; box-shadow: var(--shadow); }
.office-main-photo::after { content: ""; position: absolute; inset: 0; pointer-events: none; background: linear-gradient(to top, rgba(5,26,72,.55), transparent 36%); }
.office-main-photo img { width: 100%; height: 100%; object-fit: cover; }
.office-main-photo figcaption { position: absolute; z-index: 2; left: 24px; bottom: 20px; color: white; font-size: 10px; font-weight: 800; letter-spacing: .04em; }
.office-details { display: flex; flex-direction: column; justify-content: center; padding: 42px; border: 1px solid #d9e5ef; border-top: 4px solid var(--green); border-radius: 24px; background: white; box-shadow: 0 18px 45px rgba(9,44,116,.08); }
.office-details h2 { margin: 11px 0 14px; color: var(--navy); font-family: Georgia, serif; font-size: clamp(34px, 3.5vw, 48px); font-weight: 600; letter-spacing: -.03em; line-height: 1.08; }
.office-details > p { margin: 0; color: var(--muted); font-size: 12px; line-height: 1.7; }
.office-address { display: grid; grid-template-columns: 38px 1fr; gap: 12px; align-items: start; margin: 22px 0 0; padding: 16px; border: 1px solid #cfe4d7; border-radius: 13px; background: var(--green-soft); font-style: normal; }
.office-address > span { width: 38px; height: 38px; display: grid; place-items: center; border-radius: 50%; color: white; background: var(--green); font-size: 17px; }
.office-address b { color: var(--navy); font-size: 11px; }
.office-address p { margin: 4px 0 0; color: #52657e; font-size: 10px; line-height: 1.5; }
.office-address small { display: block; margin-top: 6px; color: #61728a; font-size: 8px; line-height: 1.5; }
.office-credentials { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin-top: 14px; }
.office-credentials span { padding: 11px; border: 1px solid var(--line); border-radius: 10px; background: #fafbfd; }
.office-credentials b, .office-credentials small { display: block; }
.office-credentials b { color: var(--navy); font-size: 8.5px; }
.office-credentials small { margin-top: 3px; color: var(--muted); font-size: 7.5px; line-height: 1.4; }
.office-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 20px; }
.office-actions .button { font-size: 10px; }
.office-details > small { margin-top: 13px; color: #7d899b; font-size: 8px; line-height: 1.5; }

.trust-contact { max-width: 1250px; display: grid; grid-template-columns: 1.05fr 1fr .95fr; gap: 15px; margin: 86px auto 0; scroll-margin-top: 105px; }
.trust-contact > article { min-width: 0; padding: 30px; border-radius: 20px; }
.security-panel { color: white; background: linear-gradient(145deg, #071f52, #0b3e82); box-shadow: var(--shadow); }
.security-panel h2 { color: white; font-size: clamp(29px, 2.8vw, 40px); }
.security-panel ul { display: grid; gap: 13px; margin: 24px 0 0; padding: 0; list-style: none; }
.security-panel li { padding: 13px 14px; border: 1px solid rgba(255,255,255,.12); border-radius: 12px; background: rgba(255,255,255,.06); }
.security-panel li b, .security-panel li span { display: block; }
.security-panel li b { color: #74e1a5; font-size: 10px; }
.security-panel li span { margin-top: 5px; color: #c3cee0; font-size: 9px; line-height: 1.5; }
.regulatory-card { margin-top: 18px; padding: 17px; border: 1px solid rgba(255,255,255,.16); border-radius: 14px; background: rgba(255,255,255,.08); }
.regulatory-label { display: block; color: #74e1a5; font-size: 9px; font-weight: 850; letter-spacing: .11em; text-transform: uppercase; }
.regulatory-badges { display: flex; flex-wrap: wrap; gap: 8px; margin: 11px 0; }
.regulatory-badges b { padding: 6px 10px; border-radius: 999px; color: var(--navy); background: white; font-size: 9px; letter-spacing: .05em; }
.regulatory-card p { margin: 0; color: #e4ebf6; font-size: 9px; line-height: 1.6; }
.regulatory-card small { display: block; margin-top: 9px; color: #b8c6da; font-size: 8px; line-height: 1.55; }
.faq-panel, .official-contact { border: 1px solid var(--line); background: white; box-shadow: 0 16px 42px rgba(9,44,116,.08); }
.faq-panel h2, .official-contact h2 { font-size: clamp(29px, 2.8vw, 40px); }
.faq-panel details { border-bottom: 1px solid var(--line); }
.faq-panel details:last-child { border-bottom: 0; }
.faq-panel summary { min-height: 52px; display: flex; align-items: center; justify-content: space-between; gap: 12px; color: var(--navy); list-style: none; cursor: pointer; font-size: 10px; font-weight: 850; line-height: 1.4; }
.faq-panel p { margin: -2px 34px 15px 0; color: var(--muted); font-size: 9px; line-height: 1.6; }
.official-contact { scroll-margin-top: 105px; background: radial-gradient(circle at 100% 0, #e3f6e9, transparent 42%), white; }
.official-contact address { display: grid; gap: 9px; margin-top: 22px; font-style: normal; }
.official-contact address > span, .official-contact address > a { display: block; padding: 11px 12px; border: 1px solid #dfe6ef; border-radius: 10px; color: #53647f; background: rgba(255,255,255,.82); font-size: 9px; line-height: 1.45; }
.official-contact address b { display: block; margin-bottom: 2px; color: var(--navy); font-size: 9px; }
.official-contact address small { display: block; margin-top: 5px; color: #718097; font-size: 8px; line-height: 1.5; }
.map-action { min-height: 43px; display: flex; align-items: center; justify-content: center; gap: 9px; margin-top: 14px; border: 1px solid #aec0d8; border-radius: 9px; color: var(--navy); background: white; font-size: 9px; font-weight: 850; }
.map-action:hover { border-color: var(--green); color: var(--green); }
.contact-action { min-height: 45px; display: flex; align-items: center; justify-content: center; gap: 12px; margin-top: 14px; border-radius: 9px; color: white; background: var(--green); font-size: 10px; font-weight: 850; }
.official-contact > p { margin: 13px 0 0; color: #7d899b; font-size: 8px; line-height: 1.5; }

.site-footer { display: grid; grid-template-columns: 1.2fr .65fr .9fr 1fr; gap: 40px; padding: 52px clamp(24px, 6vw, 95px) 27px; color: white; background: linear-gradient(120deg, #051a48, #07377a); }
.footer-logo-wrap { width: 290px; min-height: 116px; position: relative; display: flex; flex-direction: column; align-items: flex-start; justify-content: center; padding: 10px 14px 12px; border-left: 4px solid var(--green); border-radius: 12px; background: white; box-shadow: 0 14px 34px rgba(0,0,0,.22); }
.footer-brand img { width: 244px; height: 60px; object-fit: contain; object-position: left; }
.footer-logo-wrap .registered-badge { right: 23px; top: 15px; }
.footer-company-name { display: flex; flex-wrap: wrap; align-items: baseline; gap: 3px 7px; margin-top: 2px; line-height: 1.25; }
.footer-company-name b { color: var(--navy); font-size: 10.2px; letter-spacing: .045em; }
.footer-company-name small { color: var(--green); font-size: 9.3px; font-weight: 900; letter-spacing: .06em; }
.footer-brand p { margin: 15px 0 0; font-family: Georgia, serif; font-style: italic; line-height: 1.5; }
.site-footer > div:not(.footer-brand) { display: flex; flex-direction: column; gap: 8px; }
.site-footer strong { margin-bottom: 5px; font-size: 11px; }
.site-footer a, .site-footer span, .site-footer p { color: #b9c7dd; font-size: 9px; line-height: 1.55; }
.footer-brand p strong { color: #72e0a4; font-size: 13px; }
.footer-brand p span { color: #e5eefc; font-size: 11px; }
.footer-legal { padding: 18px; border: 1px solid rgba(255,255,255,.12); border-radius: 13px; background: rgba(255,255,255,.06); }
.site-footer > small { grid-column: 1 / -1; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.12); color: #8597b6; font-size: 8px; }
.floating-whatsapp { position: fixed; z-index: 70; right: 20px; bottom: 18px; display: flex; align-items: center; gap: 8px; padding: 12px 15px; border-radius: 99px; color: white; background: var(--green); box-shadow: 0 15px 35px rgba(0,106,50,.32); font-size: 11px; font-weight: 800; }

@media (max-width: 1300px) and (min-width: 1141px) {
  .official-logo { width: 370px; }
  .official-logo img { width: 250px; }
  .official-logo .registered-badge { left: 233px; }
  .official-company-name { font-size: 9.5px; }
  .desktop-nav { gap: 16px; font-size: 11px; }
}

@media (max-width: 1140px) {
  .desktop-nav { display: none; }
  .credit-grid { grid-template-columns: repeat(3, 1fr); }
  .hero { grid-template-columns: 1fr 430px; gap: 30px; }
  .fico-speech { right: -3%; }
}
@media (max-width: 900px) {
  .site-header { height: 96px; }
  .official-logo { width: 370px; }
  .official-logo img { width: 245px; height: 53px; }
  .official-logo .registered-badge { left: 228px; right: auto; top: 10px; }
  .official-company-name { font-size: 9.5px; }
  .hero { grid-template-columns: 1fr; padding-top: 58px; }
  .hero-copy { text-align: center; }
  .hero-copy > p, .hero h1 { margin-left: auto; margin-right: auto; }
  .hero-actions, .hero-trust { justify-content: center; }
  .fico-hero { width: min(100%, 620px); margin: auto; }
  .fico-hero > img { width: 390px; }
  .fico-hero::before { width: 460px; height: 460px; }
  .confidence-bar { position: relative; left: auto; right: auto; bottom: auto; grid-column: 1; grid-template-columns: 1fr 1fr; margin-top: 10px; border-radius: 16px; }
  .confidence-bar > div:nth-child(2) { border-right: 0; }
  .solution-benefits { margin-right: 0; margin-left: 0; }
  .simulator-shell { grid-template-columns: 1fr; }
  .simulator-intro { text-align: center; }
  .simulator-points { grid-template-columns: repeat(3, 1fr); }
  .simulator-points span { flex-direction: column; }
  .partner-logos { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .recommendation-section { grid-template-columns: 1fr; }
  .institutional-heading { align-items: flex-start; flex-direction: column; gap: 12px; }
  .story-grid { grid-template-columns: 1fr; }
  .story-photo { min-height: 470px; grid-row: auto; }
  .office-presence { grid-template-columns: 1fr; }
  .office-gallery { min-height: 440px; }
  .values-grid { grid-template-columns: 1fr 1fr; }
  .process-grid { grid-template-columns: repeat(3, 1fr); }
  .trust-contact { grid-template-columns: 1fr 1fr; }
  .security-panel { grid-column: 1 / -1; }
  .site-footer { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 650px) {
  .site-header { padding: 0 15px; }
  .official-logo { width: min(290px, calc(100vw - 76px)); }
  .official-logo img { width: 220px; height: 49px; }
  .official-logo .registered-badge { left: 203px; right: auto; top: 11px; font-size: 12px; }
  .official-company-name { font-size: clamp(6.8px, 2.1vw, 8.5px); letter-spacing: .012em; }
  .header-cta { padding: 11px 12px; font-size: 0; }
  .header-cta span { font-size: 18px; }
  .hero { min-height: auto; padding: 46px 18px 60px; }
  .hero h1 { font-size: 44px; }
  .hero-copy > p { font-size: 14px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .button { width: 100%; }
  .hero-trust { gap: 12px; }
  .fico-hero { min-height: 450px; }
  .fico-hero > img { width: 310px; max-height: 420px; }
  .fico-hero::before { width: 340px; height: 340px; }
  .fico-speech { width: 180px; right: 0; top: 4%; padding: 14px; }
  .fico-speech span { font-size: 17px; }
  .floating-badge { padding: 10px; }
  .badge-safe { left: 0; }.badge-fast { display: none; }
  .confidence-bar { grid-template-columns: 1fr; padding: 14px 20px; }
  .confidence-bar > div { padding: 13px 0; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.16); }
  .confidence-bar > div:last-child { border-bottom: 0; }
  .solutions, .institutional { padding: 68px 16px; }
  .solution-benefits span { width: 100%; justify-content: flex-start; border-radius: 12px; text-align: left; }
  .credit-grid { grid-template-columns: 1fr; }
  .credit-card { min-height: 0; }
  .partners-heading { align-items: flex-start; flex-direction: column; gap: 8px; }
  .partner-logos { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .simulator-shell { margin-top: 55px; padding: 34px 16px 16px; border-radius: 22px; }
  .simulator-points { grid-template-columns: 1fr; }
  .simulator-points span { flex-direction: row; }
  .recommendation-copy, .public-opinions { padding: 28px 22px; }
  .recommendation-copy ul { grid-template-columns: 1fr; }
  .history-panel, .philosophy-panel { min-height: 0; padding: 28px 22px; }
  .story-photo { min-height: 390px; }
  .office-presence { gap: 16px; margin-top: 60px; }
  .office-gallery { min-height: 360px; }
  .office-main-photo figcaption { left: 17px; bottom: 16px; }
  .office-details { padding: 28px 22px; }
  .office-credentials { grid-template-columns: 1fr; }
  .office-actions { flex-direction: column; }
  .office-actions .button { width: 100%; }
  .history-timeline { grid-template-columns: 1fr; gap: 16px; }
  .history-timeline > div, .history-timeline > div:first-child { padding: 0 0 0 14px; border-left: 2px solid rgba(115,223,163,.55); }
  .values-grid, .process-grid, .trust-contact { grid-template-columns: 1fr; }
  .process-block { padding: 30px 18px; }
  .process-grid article { min-height: 0; }
  .security-panel { grid-column: auto; }
  .trust-contact > article { padding: 25px 20px; }
  .calculator { padding: 22px 16px; }
  .calculator-heading { flex-direction: column; gap: 9px; }
  .credit-benefits { grid-template-columns: 1fr; }
  .calculator-columns { grid-template-columns: 1fr; }
  .site-footer { grid-template-columns: 1fr; padding: 44px 20px 24px; }
  .site-footer > small { grid-column: 1; }
  .floating-whatsapp span { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}