:root{--brand: #ff6a00;--brand-dark: #ff6a00;--ink: #121826;--ink-soft: #4b5563;--blue-soft: #e5f0ff;--blue-strong: #10194f;--bg-faq: #f4f5f9}.how-it-works{max-width:1200px;margin:0 auto;padding:60px 16px 80px}.hiw-hero{text-align:center;margin-bottom:48px}.hiw-badge{display:inline-block;padding:6px 16px;border-radius:999px;background:#e9f1ff;color:var(--blue-strong);font-size:13px;font-weight:500;margin-bottom:12px}.hiw-hero h1{font-size:28px;line-height:1.3;color:var(--ink);margin:0}.hiw-segmentos{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin-bottom:72px}.card{border-radius:18px;padding:28px 24px 32px;position:relative;overflow:hidden}.card--cliente{background:var(--blue-soft);color:var(--ink)}.card h2{font-size:20px;margin:0 0 16px}.card h2 span{font-weight:700}.card p{font-size:14px;line-height:1.5;margin:0 0 8px}.card-btn{display:inline-flex;align-items:center;justify-content:center;margin-top:18px;padding:10px 20px;border-radius:999px;background:var(--brand);border:none;color:#fff;font-size:14px;font-weight:600;text-decoration:none}.card-btn--empresa{background:#ff8a2a}.card-arrow{position:absolute;right:24px;bottom:20px;font-size:26px;color:#395b80}.card-arrow--light{color:#f1f5ff}.hiw-faq{background:var(--bg-faq);border-radius:18px;padding:36px 32px 40px;margin-bottom:64px}.hiw-faq h2{text-align:center;margin:0 0 24px;font-size:18px;letter-spacing:.06em}.faq-list{max-width:680px;margin:0 auto}.faq-item{border-bottom:1px solid #dde0ea;padding:12px 0}.faq-item:last-child{border-bottom:none}.faq-item summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;font-size:15px;color:var(--ink)}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";font-size:18px;margin-left:16px}.faq-item[open] summary:after{content:"–"}.faq-item p{margin:8px 0 4px;font-size:13px;color:var(--ink-soft)}.hiw-contact{background:var(--brand);border-radius:24px;padding:32px 32px 36px;display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1.3fr);gap:40px;color:#fff}.hiw-contact h2{margin:0 0 8px;font-size:20px}.hiw-contact p{margin:0;font-size:14px}.hiw-contact-form{display:flex;flex-direction:column;gap:10px}.hiw-contact-form input,.hiw-contact-form textarea{width:100%;padding:10px 12px;border-radius:4px;border:none;font-size:14px}.hiw-contact-form input::placeholder,.hiw-contact-form textarea::placeholder{color:#9ca3af}.hiw-contact-form textarea{resize:vertical;min-height:80px}.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.hiw-contact-btn{align-self:flex-end;margin-top:4px;padding:10px 22px;border-radius:999px;border:none;background:#111827;color:#fff;font-size:14px;font-weight:600;cursor:pointer}@media(max-width:900px){.how-it-works{padding-top:40px}.hiw-segmentos{grid-template-columns:1fr}.hiw-contact{grid-template-columns:1fr;gap:24px}.grid-2{grid-template-columns:1fr}}