*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--sm-brand:#1E3A5F;--sm-highlight:#F2B705;--sm-deep:#1A1A2E;--sm-surface:#F5F0E8;--sm-body:#404040;--sm-muted:#888888;--sm-stroke:#DDD8D0}
html{scroll-behavior:smooth}
body{font-family:'Lato',sans-serif;color:var(--sm-body);line-height:1.75;background:#fff}
h1,h2,h3,h4,h5,h6{font-family:'Poppins',sans-serif;color:var(--sm-deep)}
a{text-decoration:none;color:var(--sm-brand);transition:color .25s}
a:hover{color:var(--sm-highlight)}
img{max-width:100%;height:auto;display:block;border-radius:10px}
.sm-container{max-width:1140px;margin:0 auto;padding:0 24px}
.sm-disclaimer{background:var(--sm-deep);color:var(--sm-surface);text-align:center;font-size:.78rem;padding:8px 16px;letter-spacing:.02em}
.sm-header{position:sticky;top:0;background:#fff;height:68px;border-bottom:1px solid var(--sm-stroke);z-index:100;display:flex;align-items:center}
.sm-header-wrap{display:flex;align-items:center;justify-content:space-between;width:100%}
.sm-logo{font-family:'Poppins',sans-serif;font-weight:700;font-size:1.25rem;color:var(--sm-brand)}
.sm-logo:hover{color:var(--sm-highlight)}
.sm-nav{display:flex;gap:28px}
.sm-nav a{font-size:.92rem;font-weight:600;color:var(--sm-deep)}
.sm-nav a:hover{color:var(--sm-highlight)}
.sm-burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}
.sm-burger span{display:block;width:24px;height:2px;background:var(--sm-deep);border-radius:2px;transition:transform .3s,opacity .3s}
.sm-burger-on span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.sm-burger-on span:nth-child(2){opacity:0}
.sm-burger-on span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.sm-btn{display:inline-block;background:var(--sm-highlight);color:var(--sm-deep);font-family:'Poppins',sans-serif;font-weight:600;padding:13px 32px;border-radius:6px;border:none;cursor:pointer;font-size:1rem;transition:background .3s,transform .2s}
.sm-btn:hover{background:#d9a404;color:var(--sm-deep);transform:translateY(-1px)}
.sm-hero{background:url('/images/main-bg.jpg') center/cover no-repeat;min-height:520px;display:flex;align-items:center;position:relative}
.sm-hero-layer{width:100%;min-height:520px;display:flex;align-items:center;background:rgba(30,58,95,.72)}
.sm-hero-body{color:#fff;max-width:640px}
.sm-hero-body h1{font-size:2.6rem;font-weight:700;line-height:1.2;margin-bottom:16px;color:#fff}
.sm-hero-body p{font-size:1.15rem;margin-bottom:28px;color:rgba(255,255,255,.9);font-weight:300}
.sm-badge{display:inline-block;background:var(--sm-highlight);color:var(--sm-deep);font-family:'Poppins',sans-serif;font-weight:600;font-size:.82rem;padding:6px 18px;border-radius:20px;margin-bottom:18px}
.sm-section{padding:70px 0}
.sm-section:nth-child(even){background:var(--sm-surface)}
.sm-title{font-size:1.85rem;font-weight:700;text-align:center;margin-bottom:36px;color:var(--sm-deep)}
.sm-sobre-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:40px;align-items:center}
.sm-sobre-text p{margin-bottom:14px}
.sm-sobre-text p:last-child{margin-bottom:0}
.sm-cards{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.sm-card{background:#fff;border:1px solid var(--sm-stroke);border-radius:8px;padding:32px 28px;text-align:center}
.sm-card-icon{font-size:2.4rem;display:block;margin-bottom:12px}
.sm-card h3{margin-bottom:10px;font-size:1.15rem}
.sm-card p{font-size:.95rem;color:var(--sm-muted)}
.sm-card-full{grid-column:span 2}
.sm-processo{background:var(--sm-surface)}
.sm-timeline{max-width:600px;margin:0 auto;position:relative;padding-left:48px}
.sm-timeline::before{content:'';position:absolute;left:18px;top:0;bottom:0;width:2px;background:var(--sm-stroke)}
.sm-step{position:relative;margin-bottom:36px}
.sm-step:last-child{margin-bottom:0}
.sm-step-num{position:absolute;left:-48px;top:2px;width:36px;height:36px;background:var(--sm-brand);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Poppins',sans-serif;font-weight:700;font-size:.95rem}
.sm-step-body h3{margin-bottom:6px;font-size:1.1rem}
.sm-step-body p{font-size:.95rem;color:var(--sm-muted)}
.sm-blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.sm-blog-item{display:flex;flex-direction:column;background:#fff;border:1px solid var(--sm-stroke);border-radius:8px;overflow:hidden;transition:transform .25s,box-shadow .25s}
.sm-blog-item:hover{transform:translateY(-3px);box-shadow:0 6px 20px rgba(0,0,0,.08)}
.sm-blog-item img{width:100%;height:180px;object-fit:cover;border-radius:0}
.sm-blog-text{padding:20px}
.sm-blog-text h3{font-size:1rem;margin-bottom:10px;line-height:1.4}
.sm-blog-cta{color:var(--sm-brand);font-weight:600;font-size:.9rem}
.sm-accordion{max-width:760px;margin:0 auto}
.sm-faq-row{border:1px solid var(--sm-stroke);border-radius:8px;margin-bottom:10px;overflow:hidden}
.sm-faq-head{display:flex;justify-content:space-between;align-items:center;width:100%;padding:16px 20px;background:#fff;border:none;cursor:pointer;font-family:'Poppins',sans-serif;font-size:.97rem;font-weight:600;color:var(--sm-deep);text-align:left;gap:12px}
.sm-faq-head:hover{background:var(--sm-surface)}
.sm-faq-icon{font-size:1.4rem;line-height:1;flex-shrink:0;color:var(--sm-brand);font-weight:700}
.sm-faq-answer{display:none;padding:0 20px 16px}
.sm-faq-answer p{font-size:.95rem;color:var(--sm-muted)}
.sm-faq-open .sm-faq-answer{display:block}
.sm-contato-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:start}
.sm-contato-info h3{margin-bottom:16px;font-size:1.2rem}
.sm-contato-info p{margin-bottom:10px;font-size:.95rem}
.sm-contato-form form{display:flex;flex-direction:column;gap:14px}
.sm-contato-form input,.sm-contato-form textarea{width:100%;padding:11px 15px;border:1px solid var(--sm-stroke);border-radius:6px;font-family:'Lato',sans-serif;font-size:.95rem;color:var(--sm-body);background:#fff;transition:border-color .25s}
.sm-contato-form input:focus,.sm-contato-form textarea:focus{outline:none;border-color:var(--sm-brand)}
.sm-contato-form textarea{resize:vertical}
.sm-footer{background:var(--sm-deep);color:var(--sm-surface);padding-top:48px}
.sm-footer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:36px}
.sm-footer-col .sm-logo{color:var(--sm-surface);font-size:1.15rem}
.sm-footer-col .sm-logo:hover{color:var(--sm-highlight)}
.sm-footer-col p{font-size:.9rem;margin-top:10px;color:rgba(245,240,232,.75)}
.sm-footer-col h4{font-family:'Poppins',sans-serif;font-weight:600;margin-bottom:14px;color:var(--sm-surface);font-size:1rem}
.sm-footer-col a{display:block;color:rgba(245,240,232,.75);font-size:.9rem;margin-bottom:8px}
.sm-footer-col a:hover{color:var(--sm-highlight)}
.sm-footer-bottom{text-align:center;padding:24px 0;margin-top:36px;border-top:1px solid rgba(245,240,232,.15);font-size:.82rem;color:rgba(245,240,232,.55)}
@media(max-width:900px){
.sm-sobre-grid{grid-template-columns:1fr}
.sm-contato-grid{grid-template-columns:1fr}
.sm-blog-grid{grid-template-columns:1fr 1fr}
.sm-footer-grid{grid-template-columns:1fr 1fr}
.sm-hero-body h1{font-size:2rem}
}
@media(max-width:640px){
.sm-nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;padding:20px 24px;border-bottom:1px solid var(--sm-stroke);gap:16px}
.sm-nav-visible{display:flex}
.sm-burger{display:flex}
.sm-cards{grid-template-columns:1fr}
.sm-card-full{grid-column:span 1}
.sm-blog-grid{grid-template-columns:1fr}
.sm-footer-grid{grid-template-columns:1fr}
.sm-hero-body h1{font-size:1.65rem}
.sm-hero-layer{min-height:400px}
.sm-hero{min-height:400px}
.sm-disclaimer{font-size:.72rem}
.sm-blog-list-page{grid-template-columns:1fr}
.sm-blog-list-card{grid-template-columns:1fr}
.sm-blog-list-img img{height:160px}
.sm-blog-list-text{padding:16px}
}
.sm-page{padding:40px 0 60px}
.sm-breadcrumb{font-size:.85rem;color:var(--sm-muted);margin-bottom:24px;display:flex;align-items:center;gap:6px;flex-wrap:wrap}
.sm-breadcrumb a{color:var(--sm-brand);font-weight:600}
.sm-breadcrumb a:hover{color:var(--sm-highlight)}
.sm-updated{font-size:.82rem;color:var(--sm-muted);margin-bottom:20px}
.sm-legal{max-width:780px;margin:0 auto;line-height:1.8}
.sm-legal h2{font-size:1.25rem;font-weight:600;color:var(--sm-deep);margin:28px 0 10px}
.sm-legal p{margin-bottom:14px}
.sm-legal-list{margin:0 0 14px 20px;display:flex;flex-direction:column;gap:6px;list-style:disc}
.sm-legal-list li{font-size:.93rem;line-height:1.7}
.sm-blog-list-page{display:flex;flex-direction:column;gap:28px;max-width:780px;margin:0 auto}
.sm-blog-list-card{display:grid;grid-template-columns:260px 1fr;gap:20px;background:#fff;border:1px solid var(--sm-stroke);border-radius:8px;overflow:hidden;transition:box-shadow .25s}
.sm-blog-list-card:hover{box-shadow:0 6px 20px rgba(0,0,0,.06)}
.sm-blog-list-img img{width:260px;height:180px;object-fit:cover;border-radius:0}
.sm-blog-list-text{padding:18px 18px 18px 0;display:flex;flex-direction:column;justify-content:center}
.sm-blog-list-text h2{font-size:1.1rem;font-weight:600;color:var(--sm-deep);margin-bottom:8px}
.sm-blog-list-text p{font-size:.9rem;color:var(--sm-muted);margin-bottom:10px}
.sm-article{max-width:780px;margin:0 auto}
.sm-article-head{margin-bottom:20px}
.sm-article-meta{display:flex;gap:16px;font-size:.82rem;color:var(--sm-muted);margin-bottom:12px;flex-wrap:wrap}
.sm-article-img{width:100%;height:auto;border-radius:10px;margin-bottom:28px}
.sm-article-body{line-height:1.8}
.sm-article-body h2{font-size:1.25rem;font-weight:600;color:var(--sm-deep);margin:28px 0 10px}
.sm-article-body p{margin-bottom:14px}
.sm-article-body ul{margin:0 0 14px 20px;display:flex;flex-direction:column;gap:6px;list-style:disc}
.sm-article-body li{font-size:.93rem;line-height:1.7}