body {
  font-family: "Inter", system-ui, sans-serif;
  margin: 0;
  color: #1C355E;
  background: #fff;
}

/* NAVBAR */
.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.2rem 5%;
  background: #fff;
  box-shadow: 0 2px 6px rgba(0,0,0,0.05);
}
.logo {
  display: flex; align-items: center; gap: 0.5rem;
  font-weight: 700; color: #1C355E; font-size: 1.1rem;
}
.navbar nav a {
  margin-left: 1.5rem;
  text-decoration: none;
  color: #1C355E;
  font-weight: 500;
}
.navbar nav a:hover, .navbar nav a.active {color:#E6A83E;}

/* HERO */
.hero {
  text-align:center;
  padding:5rem 10% 4rem;
  background: #F9FAFC;
}
.hero .tag {
  color:#E6A83E;
  font-weight:600;
}
.hero h1 {
  font-size:2.4rem; margin:1rem 0; color:#1C355E;
}
.hero p {color:#334;}
.cta {margin-top:2rem; display:flex; gap:1rem; justify-content:center; flex-wrap:wrap;}
.btn {
  border-radius:8px; padding:.75rem 1.5rem;
  font-weight:600; text-decoration:none; transition:all .2s ease;
}
.btn.gold {background:#E6A83E; color:#fff; border:none;}
.btn.gold:hover {background:#cf931e;}
.btn.outline {border:2px solid #1C355E; color:#1C355E;}
.btn.outline:hover {background:#1C355E; color:#fff;}

/* FEATURES */
.features {
  display:grid;
  grid-template-columns: repeat(auto-fit,minmax(250px,1fr));
  gap:1.5rem;
  padding:3rem 10%;
}
.features div {
  background:#fff;
  border-radius:12px;
  padding:2rem;
  box-shadow:0 2px 8px rgba(0,0,0,0.05);
}

/* HOW IT WORKS */
.how-it-works {padding:3rem 10%; text-align:center; background:#F9FAFC;}
.steps {
  display:grid;
  grid-template-columns: repeat(auto-fit,minmax(250px,1fr));
  gap:1.2rem;
  margin:2rem 0;
}
.steps div {
  border:1px dashed rgba(28,53,94,0.2);
  border-radius:10px;
  padding:1.5rem;
}

/* CONTACT & LEGAL */
.contact, .legal {
  padding:4rem 10%;
  text-align:center;
}
.cards {
  display:flex; flex-wrap:wrap; justify-content:center; gap:2rem;
  margin-top:2rem;
}
.card {
  background:#fff;
  border-top:4px solid #E6A83E;
  border-radius:12px;
  box-shadow:0 2px 8px rgba(0,0,0,0.05);
  padding:2rem; width:260px;
}

/* FOOTER */
footer {
  background:#1C355E;
  color:#fff;
  text-align:center;
  padding:1.5rem;
  font-size:0.9rem;
}
footer a {color:#E6A83E; text-decoration:none;}
footer a:hover {text-decoration:underline;}

/* WHATSAPP FLOAT */
.whatsapp {
  position:fixed; bottom:24px; right:24px;
  width:52px; height:52px;
  background:#E6A83E;
  display:flex; align-items:center; justify-content:center;
  border-radius:50%;
  box-shadow:0 4px 10px rgba(0,0,0,0.15);
  transition:transform .25s ease;
}
.whatsapp:hover {transform:scale(1.1);}