:root{
  --blue:#133a78; /* dark corporate */
  --blue-2:#1a4a91;
  --gold:#f2c14e;
  --beige:#f3eee8;
  --text:#0f1b2d;
  --bg:#ffffff;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,'Helvetica Neue',Arial,sans-serif;color:var(--text);background:#fff}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}

.topstrip{
  background:linear-gradient(90deg,var(--blue),var(--blue-2));
  color:#fff; font-size:14px; padding:6px 12px; display:flex; align-items:center; gap:10px; justify-content:space-between;
}
.topstrip .left, .topstrip .right{display:flex; align-items:center; gap:10px;}
.topstrip img.irs{height:28px}

.header{
  background:var(--blue);
  color:#fff;
  padding:12px 18px;
  display:flex; align-items:center; justify-content:space-between; gap:16px;
  border-bottom:3px solid var(--gold);
}
.brand{display:flex; align-items:center; gap:12px}
.brand img{height:40px; width:auto}
.brand .title{font-weight:800; letter-spacing:.2px}
.nav a{padding:8px 12px; border-radius:10px; color:#fff; opacity:.9}
.nav a:hover{background:rgba(255,255,255,.12); opacity:1}

.hero{
  position:relative;
  min-height:70vh;
  display:flex; align-items:center; justify-content:center;
  background:var(--beige);
  color:var(--text);
}
.hero.has-photo{
  background-image: url('assets/bg-beige.jpg');
  background-size:cover; background-position:center;
}
.hero .panel{
  width:min(1100px,92vw);
  display:grid; grid-template-columns:1.2fr .9fr; gap:20px;
  padding:24px;
  background:rgba(255,255,255,.75);
  backdrop-filter:saturate(130%) blur(6px);
  border-radius:16px; border:1px solid rgba(0,0,0,.05);
}
.hero h1{margin:0 0 8px 0; font-size:clamp(26px,3.5vw,40px); line-height:1.2}
.hero p{margin:0 0 16px 0; color:#2f3a4a}
.cta-row{display:flex; gap:10px; flex-wrap:wrap}
.btn{
  background:var(--blue); color:#fff; border:none; padding:12px 16px; border-radius:12px; font-weight:600; cursor:pointer
}
.btn.gold{background:var(--gold); color:#2a2200}
.grid4{
  display:grid; grid-template-columns:repeat(4,1fr); gap:14px; margin-top:8px;
}
.card{
  background:#fff; border:1px solid rgba(0,0,0,.08); border-radius:14px; padding:16px; min-height:120px;
  box-shadow:0 6px 18px rgba(0,0,0,.06);
}
.card a{display:block; font-weight:700; color:var(--blue)}
.card small{display:block; opacity:.7; margin-top:6px}

.section{padding:40px 20px}
.wrap{width:min(1100px,92vw); margin:0 auto}
.footer{
  background:var(--blue); color:#fff; border-top:3px solid var(--gold); padding:24px 20px; margin-top:40px
}
.footer .cols{display:grid; grid-template-columns:1fr 1fr; gap:16px}
.footer a{color:#fff; text-decoration:underline}

.internal-hero{background:linear-gradient(180deg,var(--blue),#0f2e61); color:#fff; padding:40px 20px; border-bottom:4px solid var(--gold)}
.internal-hero h1{margin:0}
.internal{background:#0f2e61; min-height:100vh; color:#fff}
.internal .content{width:min(1100px,92vw); margin:24px auto; background:#0f2e61;}
.internal .box{background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.12); border-radius:14px; padding:18px; margin-bottom:16px}

.whatsapp{
  position:fixed; right:18px; bottom:18px; width:56px; height:56px; border-radius:50%;
  background:#25D366; display:flex; align-items:center; justify-content:center; color:#fff; font-size:28px; text-decoration:none;
  box-shadow:0 8px 20px rgba(37,211,102,.4);
}
.flagbar{display:flex; gap:8px; align-items:center}
.flagbar a{padding:6px 8px; background:rgba(255,255,255,.1); border-radius:8px}
.flagbar img{height:16px}

ul.check{list-style:none; padding-left:0}
ul.check li{margin:6px 0; padding-left:22px; position:relative}
ul.check li:before{content:"✔"; position:absolute; left:0; color:var(--gold);}

@media (max-width:900px){
  .hero .panel{grid-template-columns:1fr; padding:16px}
  .grid4{grid-template-columns:1fr 1fr}
  .footer .cols{grid-template-columns:1fr}
}
@media (max-width:560px){
  .grid4{grid-template-columns:1fr}
}