:root{--ink:#0e3a40;--bg:#f4f7f6;--card:#fff;--line:#d5e0de;--muted:#4b6569;--acc:#f28c28;--accd:#a85a0c;--teal:#1f7a8c;--soft:#e4f0ee;--hero1:#0e3a40;--hero2:#1f7a8c;box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}
@media(prefers-color-scheme:dark){:root:not([data-theme=light]){--ink:#e6f1ef;--bg:#0f1c1e;--card:#162a2d;--line:#2a4448;--muted:#a3bcbf;--soft:#1a3236;--accd:#f5a458}}
*{box-sizing:border-box}html{height:100%}body{margin:0;font:17px/1.6 "Segoe UI",system-ui,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--accd)}:focus-visible{outline:3px solid var(--acc);outline-offset:2px}[hidden]{display:none!important}
.w{max-width:62rem;margin:0 auto;padding:0 1.25rem}
.top{background:var(--hero1);color:#fff}.bar{display:flex;flex-wrap:wrap;gap:.8rem;justify-content:space-between;align-items:center;padding:.8rem 0}
.brand{display:flex;align-items:center;gap:.6rem;color:#fff;text-decoration:none;font-weight:700;font-size:1.1rem}.brand img{height:44px;width:auto;border-radius:10px}
nav a{color:#d3e8e5;margin-left:1.1rem;text-decoration:none}nav a:hover{color:#fff;text-decoration:underline}
.hero{background:linear-gradient(135deg,var(--hero1),var(--hero2));color:#fff;padding:3rem 0 3.5rem}
.hero h1{font-size:clamp(2rem,5vw,3.1rem);line-height:1.12;margin:0 0 1rem;max-width:21ch}.hero p{max-width:48ch;color:#d9ecea;margin:0 0 1.5rem}
.btn{display:inline-block;background:var(--acc);color:#1a1205;font-weight:700;padding:.8rem 1.5rem;border-radius:8px;text-decoration:none;border:0;font:inherit;font-weight:700;cursor:pointer}
.btn:hover{filter:brightness(1.08)}.btn.o{background:transparent;color:#fff;border:2px solid #fff;margin-left:.5rem}
.chips{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.8rem}.chip{background:rgba(255,255,255,.14);padding:.35rem .9rem;border-radius:99px;font-size:.95rem}
section{padding:3rem 0}h2{font-size:1.75rem;margin:0 0 .5rem}.lead{color:var(--muted);max-width:52ch;margin:0 0 1.8rem}
.grid{display:grid;gap:1.2rem;grid-template-columns:repeat(auto-fit,minmax(14.5rem,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:1.4rem}.card h3{margin:.3rem 0 .4rem;font-size:1.2rem}
.ico{width:3.2rem;height:3.2rem;border-radius:50%;background:var(--soft);display:grid;place-items:center;font-size:1.6rem}
.step{position:relative;padding-top:2.2rem}.step .n{position:absolute;top:-1.1rem;left:1.2rem;width:2.4rem;height:2.4rem;border-radius:50%;background:var(--acc);color:#1a1205;font-weight:800;display:grid;place-items:center;font-size:1.15rem}
.band{background:var(--soft)}.note{color:var(--muted);font-size:.93rem}
.pick{display:grid;gap:1.4rem;grid-template-columns:repeat(auto-fit,minmax(18rem,1fr));margin-top:-2rem;position:relative}
.sector{display:block;background:var(--card);color:var(--ink);border-radius:14px;padding:1.8rem;text-decoration:none;border:2px solid transparent;box-shadow:0 6px 24px rgba(0,0,0,.15)}
.sector:hover{border-color:var(--acc)}.sector h2{margin:.5rem 0 .3rem}.sector .go{display:inline-block;margin-top:1rem;background:var(--acc);color:#1a1205;font-weight:700;padding:.6rem 1.2rem;border-radius:8px}
.tag{display:inline-block;background:var(--soft);padding:.2rem .7rem;border-radius:99px;font-size:.85rem;font-weight:600}
.big{font-size:3rem;font-weight:800;line-height:1}.pay{border:2px solid var(--acc)}
.bill{width:100%;border-collapse:collapse;margin:.8rem 0;font-size:.98rem}.bill td{padding:.35rem 0;border-bottom:1px dashed var(--line)}.bill td:last-child{text-align:right;white-space:nowrap}
.bill .neg{color:var(--teal);font-weight:600}.bill .tot td{border-bottom:0;border-top:2px solid var(--ink);font-weight:800;font-size:1.1rem;padding-top:.6rem}
.scroll{overflow-x:auto}table.t{border-collapse:collapse;width:100%;background:var(--card);border:1px solid var(--line)}.t th,.t td{text-align:left;padding:.6rem .9rem;border-bottom:1px solid var(--line);vertical-align:top}.t th{background:var(--soft)}
form{display:grid;gap:1rem;grid-template-columns:1fr 1fr}.f{grid-column:1/-1}label{display:block;font-weight:600;margin-bottom:.25rem}
input,select,textarea{width:100%;padding:.7rem;border:1px solid var(--line);border-radius:8px;font:inherit;background:var(--card);color:var(--ink)}
footer{background:var(--hero1);color:#d3e8e5;padding:2rem 0;font-size:.93rem}footer a{color:#fff}
.steps .step{text-align:center;border-top:4px solid var(--acc)}.steps .step .n{left:50%;margin-left:-1.2rem}.steps .ico{width:4rem;height:4rem;font-size:2rem;margin:0 auto .5rem}
.steps .step:not(:last-child)::after{content:"";position:absolute;left:50%;bottom:-1.2rem;height:1.2rem;border-left:3px dashed var(--acc)}
@media(min-width:900px){.steps{grid-template-columns:repeat(4,1fr)}.steps .step:not(:last-child)::after{left:auto;right:-1.2rem;top:50%;bottom:auto;height:0;width:1.2rem;border-left:0;border-top:3px dashed var(--acc)}}
.who{display:flex;align-items:center;gap:.7rem;margin:1rem 0;padding:.6rem .8rem;background:var(--soft);border-radius:10px;font-weight:600}.who small{display:block;font-weight:400;color:var(--muted);font-size:.85rem}.who .av{width:2.4rem;height:2.4rem;border-radius:50%;background:var(--hero1);color:#fff;display:grid;place-items:center;font-size:.9rem;flex:none}
.bonus{margin-top:2rem;background:var(--card);border:1px solid var(--line);border-radius:12px}.bonus summary{cursor:pointer;font-weight:700;font-size:1.15rem;padding:1rem 1.3rem;list-style:none;display:flex;justify-content:space-between;align-items:center}.bonus summary::-webkit-details-marker{display:none}.bonus summary::after{content:"+";font-size:1.6rem;color:var(--accd);line-height:1}.bonus[open] summary::after{content:"−"}.bonus .scroll{padding:0 1rem 1rem}
@media(max-width:600px){form{grid-template-columns:1fr}.btn.o{margin:.6rem 0 0}}
.legal{max-width:46rem}.legal h2{font-size:1.3rem;margin:2rem 0 .4rem}.legal ul{padding-left:1.2rem}.mini{font-size:.9rem;padding:1rem 0}.mini a{color:#fff}
#top{position:fixed;right:1rem;bottom:calc(1rem + env(safe-area-inset-bottom,0px));z-index:30;width:3rem;height:3rem;border-radius:50%;border:0;background:var(--acc);color:#1a1205;font-size:1.5rem;font-weight:700;line-height:1;cursor:pointer;box-shadow:0 4px 12px rgba(0,0,0,.25)}
#top:hover{filter:brightness(1.08)}
.grecaptcha-badge{visibility:hidden}
.rc{font-size:.85rem;color:var(--muted);margin:0}