:root{
  --blue:#012767;
  --gold:#ffbd59;
  --light:#f5f5f5;
  --text:#1f2937;
  --muted:#64748b;
  --white:#ffffff;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:'Poppins',sans-serif;
  background:linear-gradient(180deg,var(--blue) 0%,#001c4e 38%,#f6f8fc 38%);
  color:var(--text);
}

.tz-header{
  position:sticky;
  top:0;
  z-index:20;
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding:14px clamp(18px,4vw,60px);
  background:rgba(1,39,103,.96);
  backdrop-filter:blur(10px);
  box-shadow:0 8px 25px rgba(0,0,0,.15);
}
.tz-logo{width:125px;display:block}
.tz-whatsapp{
  color:var(--blue);
  background:var(--gold);
  padding:10px 16px;
  border-radius:999px;
  text-decoration:none;
  font-weight:700;
}

.tz-home{
  color:var(--gold);
  background:var(--blue);
  padding:10px 16px;
  border-radius:999px;
  text-decoration:none;
  font-weight:700;
}


.tz-hero{
  padding:70px clamp(18px,5vw,80px) 40px;
  color:white;
}
.tz-hero__content{max-width:980px;margin:auto;text-align:center}
.tz-badge{
  display:inline-block;
  background:rgba(255,189,89,.16);
  color:var(--gold);
  border:1px solid rgba(255,189,89,.45);
  padding:8px 14px;
  border-radius:999px;
  font-size:.85rem;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.04em;
}
.tz-hero h1{
  font-size:clamp(2rem,5vw,4rem);
  line-height:1.08;
  margin:18px 0;
}
.tz-hero p{
  max-width:850px;
  margin:0 auto;
  color:rgba(255,255,255,.86);
  font-size:1.08rem;
  line-height:1.7;
}
.tz-trust{
  display:flex;
  flex-wrap:wrap;
  justify-content:center;
  gap:12px;
  margin-top:26px;
}
.tz-trust span{
  background:rgba(255,255,255,.1);
  border:1px solid rgba(255,255,255,.16);
  padding:10px 14px;
  border-radius:12px;
}

.tz-form-section{padding:20px clamp(14px,4vw,60px) 70px}
.tz-form{
  max-width:1050px;
  margin:auto;
  background:var(--white);
  border:2px solid rgba(255,189,89,.8);
  border-radius:24px;
  box-shadow:0 25px 80px rgba(1,39,103,.18);
  padding:clamp(22px,4vw,42px);
}
.tz-progress{
  height:10px;
  background:#e8edf7;
  border-radius:999px;
  overflow:hidden;
  margin-bottom:28px;
}
.tz-progress__bar{
  height:100%;
  width:25%;
  background:linear-gradient(90deg,var(--blue),var(--gold));
  transition:.3s ease;
}
.tz-step{display:none;animation:fade .25s ease}
.tz-step.active{display:block}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.tz-step h2{
  color:var(--blue);
  margin:0 0 24px;
  font-size:clamp(1.35rem,3vw,2rem);
}
.tz-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:18px;
}
label{
  display:flex;
  flex-direction:column;
  gap:8px;
  color:var(--blue);
  font-weight:600;
}
.full{grid-column:1/-1}
input,select,textarea{
  width:100%;
  border:1px solid #d8deea;
  border-radius:13px;
  padding:13px 14px;
  font:inherit;
  color:var(--text);
  background:#fbfcff;
  outline:none;
}
input:focus,select:focus,textarea:focus{
  border-color:var(--blue);
  box-shadow:0 0 0 4px rgba(1,39,103,.1);
}
textarea{min-height:130px;resize:vertical}
.tz-choice{
  margin-top:24px;
  background:#f7f9fd;
  border-left:5px solid var(--gold);
  padding:18px;
  border-radius:16px;
}
.tz-choice p{margin:0 0 12px;color:var(--blue);font-weight:800}
.tz-choice label{flex-direction:row;align-items:center;color:var(--text);font-weight:500;margin:8px 0}
.tz-choice input{width:auto;accent-color:var(--blue)}
.tz-actions{
  display:flex;
  justify-content:space-between;
  gap:14px;
  margin-top:30px;
}
button{
  border:none;
  border-radius:14px;
  padding:14px 22px;
  font:inherit;
  font-weight:800;
  cursor:pointer;
  background:var(--blue);
  color:var(--gold);
  transition:.2s ease;
}
button:hover{transform:translateY(-2px);box-shadow:0 10px 20px rgba(1,39,103,.18)}
button.secondary{background:#edf2fb;color:var(--blue)}
button:disabled{opacity:.45;cursor:not-allowed;transform:none;box-shadow:none}
.hidden{display:none!important}
.tz-message{font-weight:700;margin-top:16px;color:var(--blue)}
.tz-footer{text-align:center;padding:28px;color:white;background:var(--blue)}

@media(max-width:760px){
  .tz-header{padding:12px 16px}
  .tz-logo{width:105px}
  .tz-whatsapp{font-size:.85rem;padding:9px 12px}
  .tz-grid{grid-template-columns:1fr}
  .tz-actions{flex-direction:column}
  .tz-actions button{width:100%}
}


.tz-fees-box{
  display:flex;
  gap:16px;
  align-items:flex-start;
  margin-top:32px;
  padding:20px;
  border-radius:18px;
  background:linear-gradient(135deg,#fff8eb 0%,#fff3d8 100%);
  border:1.5px solid rgba(255,189,89,.55);
  box-shadow:0 10px 30px rgba(1,39,103,.06);
}

.tz-fees-icon{
  min-width:48px;
  height:48px;
  border-radius:14px;
  background:#012767;
  color:#ffbd59;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:1.4rem;
  font-weight:700;
}

.tz-fees-content h3{
  margin:0 0 8px;
  color:#012767;
  font-size:1.05rem;
  font-weight:800;
}

.tz-fees-content p{
  margin:0;
  color:#374151;
  line-height:1.7;
  font-size:.96rem;
}

.tz-fees-content strong{
  color:#012767;
  background:#ffbd59;
  padding:2px 8px;
  border-radius:8px;
}

@media(max-width:760px){
  .tz-fees-box{
    flex-direction:column;
  }
}