/* =========================================================
   ACORDO ATIVO — Recuperação de Crédito
   Folha de estilo principal
   Autor: equipe Acordo Ativo
   ========================================================= */

/* ---------------------------------------------------------
   1. Tokens de design
   --------------------------------------------------------- */
:root {
  /* Cores institucionais */
  --navy-950: #071322;
  --navy-900: #0b1a2e;
  --navy-800: #11263f;
  --navy-700: #1b3557;
  --navy-600: #2a4a72;

  --gold-600: #a8843f;
  --gold-500: #c2a05a;
  --gold-400: #d6bd88;
  --gold-100: #f3ead7;

  --paper: #f8f6f2;
  --paper-2: #f1eee8;
  --white: #ffffff;

  --ink-900: #101c29;
  --ink-700: #2e3d4d;
  --ink-500: #5b6b7c;
  --ink-400: #7d8b99;
  --line: #e2ddd4;
  --line-dark: rgba(214, 189, 136, 0.22);

  --success: #1f7a5c;
  --danger: #a3342c;

  /* Tipografia */
  --font-display: "Lora", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  /* Métricas */
  --container: 1200px;
  --container-narrow: 880px;
  --radius-sm: 4px;
  --radius: 8px;
  --radius-lg: 14px;

  --shadow-sm: 0 1px 2px rgba(11, 26, 46, 0.06), 0 2px 8px rgba(11, 26, 46, 0.04);
  --shadow-md: 0 4px 12px rgba(11, 26, 46, 0.08), 0 16px 40px rgba(11, 26, 46, 0.07);
  --shadow-lg: 0 12px 28px rgba(11, 26, 46, 0.12), 0 32px 72px rgba(11, 26, 46, 0.12);

  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);

  --header-h: 76px;
}

/* ---------------------------------------------------------
   2. Reset e base
   --------------------------------------------------------- */
*,
*::before,
*::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 24px);
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink-700);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-feature-settings: "kern" 1, "liga" 1, "cv05" 1;
  overflow-x: hidden;
}

img, svg, video { max-width: 100%; height: auto; display: block; }

a { color: var(--navy-700); text-decoration: none; transition: color 0.2s var(--ease); }
a:hover { color: var(--gold-600); }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--ink-900);
  font-weight: 600;
  line-height: 1.16;
  letter-spacing: -0.012em;
  margin: 0 0 0.5em;
  text-wrap: balance;
}

h1 { font-size: clamp(2.15rem, 1.25rem + 3.4vw, 3.75rem); }
h2 { font-size: clamp(1.7rem, 1.15rem + 2.1vw, 2.65rem); }
h3 { font-size: clamp(1.2rem, 1.05rem + 0.7vw, 1.45rem); }
h4 { font-size: 1.05rem; font-family: var(--font-body); font-weight: 650; letter-spacing: -0.005em; }

p { margin: 0 0 1.15em; text-wrap: pretty; }
p:last-child { margin-bottom: 0; }

ul, ol { margin: 0 0 1.15em; padding-left: 1.25em; }
li { margin-bottom: 0.4em; }

strong, b { font-weight: 650; color: var(--ink-900); }

hr {
  border: 0;
  height: 1px;
  background: var(--line);
  margin: 2.5rem 0;
}

::selection { background: var(--gold-400); color: var(--navy-900); }

:focus-visible {
  outline: 2px solid var(--gold-600);
  outline-offset: 3px;
  border-radius: 2px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--navy-900);
  color: var(--white);
  padding: 12px 20px;
  z-index: 999;
  border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; color: var(--white); }

/* ---------------------------------------------------------
   3. Layout
   --------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: 24px;
}
.container--narrow { max-width: var(--container-narrow); }

.section { padding: clamp(64px, 8vw, 112px) 0; }
.section--tight { padding: clamp(48px, 5vw, 72px) 0; }
.section--paper { background: var(--paper-2); }
.section--white { background: var(--white); }
.section--dark { background: var(--navy-900); color: rgba(255, 255, 255, 0.76); }
.section--dark h1,
.section--dark h2,
.section--dark h3,
.section--dark h4 { color: var(--white); }

.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(36px, 5vw, 72px);
  align-items: center;
}
.split--wide-left { grid-template-columns: 1.25fr 0.75fr; }

@media (max-width: 960px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .split, .split--wide-left { grid-template-columns: 1fr; }
}
@media (max-width: 620px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* ---------------------------------------------------------
   4. Elementos tipográficos de apoio
   --------------------------------------------------------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.73rem;
  font-weight: 650;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: 18px;
}
.eyebrow::before {
  content: "";
  width: 28px;
  height: 1px;
  background: var(--gold-500);
  flex: none;
}
.section--dark .eyebrow { color: var(--gold-400); }
.section--dark .eyebrow::before { background: var(--gold-500); }

.lead {
  font-size: clamp(1.05rem, 0.98rem + 0.35vw, 1.2rem);
  line-height: 1.62;
  color: var(--ink-500);
}
.section--dark .lead { color: rgba(255, 255, 255, 0.74); }

.section-head { max-width: 700px; margin-bottom: clamp(38px, 4.5vw, 60px); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head--center .eyebrow { justify-content: center; }

.rule {
  width: 56px;
  height: 2px;
  background: var(--gold-500);
  margin: 22px 0 0;
  border: 0;
}
.section-head--center .rule { margin-inline: auto; }

.text-muted { color: var(--ink-400); }
.text-small { font-size: 0.9rem; }
.text-xs { font-size: 0.8rem; line-height: 1.55; }

/* ---------------------------------------------------------
   5. Botões
   --------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--font-body);
  font-size: 0.93rem;
  font-weight: 600;
  letter-spacing: 0.015em;
  padding: 15px 28px;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.25s var(--ease);
  text-align: center;
  line-height: 1.2;
  white-space: nowrap;
}
.btn svg { width: 17px; height: 17px; flex: none; }

.btn-primary {
  background: var(--gold-600);
  color: var(--white);
  border-color: var(--gold-600);
  box-shadow: 0 4px 14px rgba(168, 132, 63, 0.28);
}
.btn-primary:hover {
  background: #96742f;
  border-color: #96742f;
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(168, 132, 63, 0.34);
}

.btn-navy {
  background: var(--navy-800);
  color: var(--white);
  border-color: var(--navy-800);
}
.btn-navy:hover {
  background: var(--navy-900);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--navy-800);
  border-color: rgba(17, 38, 63, 0.28);
}
.btn-outline:hover {
  border-color: var(--navy-800);
  background: var(--navy-800);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-ghost-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.35);
}
.btn-ghost-light:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: var(--gold-400);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-block { width: 100%; }
.btn-lg { padding: 17px 34px; font-size: 1rem; }

.btn-group { display: flex; flex-wrap: wrap; gap: 14px; }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  font-weight: 620;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: var(--gold-600);
}
.link-arrow svg { width: 15px; height: 15px; transition: transform 0.25s var(--ease); }
.link-arrow:hover svg { transform: translateX(5px); }

/* ---------------------------------------------------------
   6. Cabeçalho e navegação
   --------------------------------------------------------- */
.topbar {
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.62);
  font-size: 0.8rem;
  letter-spacing: 0.01em;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.topbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 40px;
}
.topbar a { color: rgba(255, 255, 255, 0.78); }
.topbar a:hover { color: var(--gold-400); }
.topbar-list { display: flex; gap: 26px; align-items: center; list-style: none; margin: 0; padding: 0; }
.topbar-list li { margin: 0; display: flex; align-items: center; gap: 8px; }
.topbar-list svg { width: 14px; height: 14px; opacity: 0.75; flex: none; }
.topbar-note { display: flex; align-items: center; gap: 8px; }
.topbar-note svg { width: 14px; height: 14px; color: var(--gold-500); flex: none; }

@media (max-width: 900px) { .topbar { display: none; } }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(248, 246, 242, 0.92);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.3s var(--ease), background 0.3s var(--ease);
}
.site-header.is-stuck { box-shadow: 0 2px 20px rgba(11, 26, 46, 0.09); }

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: var(--header-h);
}

.brand { display: flex; align-items: center; gap: 12px; flex: none; }
.brand:hover { color: inherit; }
.brand-mark { width: 40px; height: 40px; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name {
  font-family: var(--font-display);
  font-size: 1.32rem;
  font-weight: 700;
  color: var(--navy-900);
  letter-spacing: -0.01em;
}
.brand-tag {
  font-size: 0.6rem;
  letter-spacing: 0.19em;
  text-transform: uppercase;
  color: var(--gold-600);
  font-weight: 600;
  margin-top: 5px;
}

.nav { display: flex; align-items: center; gap: 4px; }
.nav a {
  position: relative;
  font-size: 0.88rem;
  font-weight: 550;
  color: var(--ink-700);
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  letter-spacing: 0.005em;
}
.nav a::after {
  content: "";
  position: absolute;
  left: 14px;
  right: 14px;
  bottom: 4px;
  height: 1.5px;
  background: var(--gold-500);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.28s var(--ease);
}
.nav a:hover { color: var(--navy-900); }
.nav a:hover::after,
.nav a[aria-current="page"]::after { transform: scaleX(1); }
.nav a[aria-current="page"] { color: var(--navy-900); font-weight: 650; }

.header-cta { display: flex; align-items: center; gap: 12px; flex: none; }

/* O CTA dentro do menu só aparece na versão mobile */
.nav > .btn { display: none; }

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: var(--radius-sm);
  cursor: pointer;
  padding: 0;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
}
.nav-toggle span {
  display: block;
  width: 19px;
  height: 1.5px;
  background: var(--navy-900);
  transition: transform 0.3s var(--ease), opacity 0.2s var(--ease);
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

@media (max-width: 1120px) {
  .nav-toggle { display: flex; }
  .header-cta .btn { display: none; }
  .nav {
    position: fixed;
    inset: 0 0 0 auto;
    width: min(340px, 86vw);
    background: var(--navy-900);
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    padding: calc(var(--header-h) + 28px) 28px 40px;
    gap: 2px;
    transform: translateX(100%);
    transition: transform 0.36s var(--ease);
    overflow-y: auto;
    box-shadow: -20px 0 60px rgba(7, 19, 34, 0.3);
  }
  .nav.is-open { transform: translateX(0); }
  .nav a {
    color: rgba(255, 255, 255, 0.82);
    font-size: 1.02rem;
    padding: 15px 4px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 0;
  }
  .nav a::after { display: none; }
  .nav a:hover,
  .nav a[aria-current="page"] { color: var(--gold-400); }
  .nav .btn {
    display: inline-flex;
    margin-top: 24px;
    border-bottom: 0;
    color: var(--white);
  }
  .nav-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(7, 19, 34, 0.55);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s var(--ease);
    z-index: 99;
    backdrop-filter: blur(2px);
  }
  .nav-backdrop.is-visible { opacity: 1; pointer-events: auto; }
  body.nav-open { overflow: hidden; }
}

/* ---------------------------------------------------------
   7. Hero
   --------------------------------------------------------- */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--navy-950) 0%, var(--navy-800) 55%, var(--navy-700) 100%);
  color: rgba(255, 255, 255, 0.78);
  overflow: hidden;
  padding: clamp(48px, 5.5vw, 78px) 0 clamp(44px, 5vw, 68px);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.028) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.028) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse 90% 70% at 70% 30%, #000 20%, transparent 78%);
  -webkit-mask-image: radial-gradient(ellipse 90% 70% at 70% 30%, #000 20%, transparent 78%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  width: 720px;
  height: 720px;
  right: -220px;
  top: -280px;
  background: radial-gradient(circle, rgba(194, 160, 90, 0.16) 0%, transparent 62%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 2; }

.hero h1 { color: var(--white); margin-bottom: 24px; }
.hero h1 em {
  font-style: normal;
  color: var(--gold-400);
  position: relative;
  white-space: nowrap;
}
.hero .lead { max-width: 560px; color: rgba(255, 255, 255, 0.76); margin-bottom: 34px; }

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(40px, 5vw, 80px);
  align-items: center;
}
@media (max-width: 1000px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-aside { max-width: 520px; }
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  margin-top: 38px;
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}
.hero-badge {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.68);
  letter-spacing: 0.01em;
}
.hero-badge svg { width: 16px; height: 16px; color: var(--gold-500); flex: none; }

/* Cartão flutuante do hero */
.hero-card {
  background: rgba(255, 255, 255, 0.055);
  border: 1px solid rgba(214, 189, 136, 0.26);
  border-radius: var(--radius-lg);
  padding: 34px;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 30px 70px rgba(4, 12, 22, 0.4);
}
.hero-card h3 { color: var(--white); font-size: 1.22rem; margin-bottom: 6px; }
.hero-card .text-small { color: rgba(255, 255, 255, 0.6); }

.hero-card-list { list-style: none; margin: 24px 0 0; padding: 0; }
.hero-card-list li {
  display: flex;
  gap: 13px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.09);
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.78);
  margin: 0;
  align-items: flex-start;
}
.hero-card-list li:last-child { border-bottom: 0; padding-bottom: 0; }
.hero-card-list svg { width: 19px; height: 19px; color: var(--gold-500); flex: none; margin-top: 1px; }
.hero-card-list strong { color: var(--white); display: block; font-weight: 620; }

/* Faixa de credibilidade */
.trustbar {
  background: var(--navy-950);
  border-top: 1px solid rgba(214, 189, 136, 0.16);
  padding: 26px 0;
}
.trustbar-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px 32px;
  align-items: center;
}
@media (max-width: 1040px) { .trustbar-inner { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .trustbar-inner { grid-template-columns: 1fr; } }
.trustbar-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.83rem;
  letter-spacing: 0.02em;
}
.trustbar-item svg { width: 22px; height: 22px; color: var(--gold-500); flex: none; }
.trustbar-item strong { color: var(--white); font-weight: 600; }

/* Cabeçalho de páginas internas */
.page-hero {
  position: relative;
  background: linear-gradient(150deg, var(--navy-950) 0%, var(--navy-800) 100%);
  color: rgba(255, 255, 255, 0.74);
  padding: clamp(56px, 7vw, 92px) 0 clamp(52px, 6vw, 80px);
  overflow: hidden;
}
.page-hero::after {
  content: "";
  position: absolute;
  width: 560px;
  height: 560px;
  right: -160px;
  bottom: -300px;
  background: radial-gradient(circle, rgba(194, 160, 90, 0.15) 0%, transparent 65%);
  pointer-events: none;
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 { color: var(--white); max-width: 850px; margin-bottom: 20px; }
.page-hero .lead { max-width: 640px; color: rgba(255, 255, 255, 0.72); }

.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 9px;
  list-style: none;
  margin: 0 0 22px;
  padding: 0;
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.45);
}
.breadcrumb li { margin: 0; display: flex; align-items: center; gap: 9px; }
.breadcrumb a { color: rgba(255, 255, 255, 0.62); }
.breadcrumb a:hover { color: var(--gold-400); }
.breadcrumb li + li::before { content: "/"; color: rgba(255, 255, 255, 0.28); }

/* ---------------------------------------------------------
   8. Cartões
   --------------------------------------------------------- */
.card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 34px 30px;
  transition: transform 0.32s var(--ease), box-shadow 0.32s var(--ease), border-color 0.32s var(--ease);
  overflow: hidden;
  height: 100%;
}
.card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gold-500);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease);
}
.card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: rgba(194, 160, 90, 0.4);
}
.card:hover::before { transform: scaleX(1); }
.card h3 { margin-bottom: 12px; }
.card p { font-size: 0.95rem; color: var(--ink-500); }

.card-icon {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-sm);
  background: var(--navy-900);
  color: var(--gold-400);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
  transition: background 0.32s var(--ease);
}
.card-icon svg { width: 25px; height: 25px; }
.card:hover .card-icon { background: var(--gold-600); color: var(--white); }

.card-list {
  list-style: none;
  padding: 0;
  margin: 20px 0 0;
  border-top: 1px solid var(--line);
  padding-top: 18px;
}
.card-list li {
  position: relative;
  padding-left: 22px;
  font-size: 0.88rem;
  color: var(--ink-500);
  margin-bottom: 9px;
}
.card-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  border: 1.5px solid var(--gold-500);
}

/* Cartão em fundo escuro */
.card--dark {
  background: rgba(255, 255, 255, 0.04);
  border-color: rgba(255, 255, 255, 0.1);
}
.card--dark h3 { color: var(--white); }
.card--dark p, .card--dark .card-list li { color: rgba(255, 255, 255, 0.66); }
.card--dark .card-list { border-top-color: rgba(255, 255, 255, 0.1); }
.card--dark:hover { border-color: rgba(214, 189, 136, 0.42); }

/* Cartão em destaque */
.card--featured {
  background: var(--navy-900);
  border-color: var(--navy-900);
}
.card--featured h3 { color: var(--white); }
.card--featured p, .card--featured .card-list li { color: rgba(255, 255, 255, 0.7); }
.card--featured .card-list { border-top-color: rgba(255, 255, 255, 0.12); }
.card--featured .card-icon { background: var(--gold-600); color: var(--white); }

.badge-ribbon {
  position: absolute;
  top: 18px;
  right: -34px;
  transform: rotate(45deg);
  background: var(--gold-600);
  color: var(--white);
  font-size: 0.63rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 5px 42px;
}

/* ---------------------------------------------------------
   9. Processo / linha do tempo
   --------------------------------------------------------- */
.steps { display: grid; gap: 0; counter-reset: step; }
.step {
  position: relative;
  display: grid;
  grid-template-columns: 88px 1fr;
  gap: 28px;
  padding: 32px 0;
  border-bottom: 1px solid var(--line);
}
.step:last-child { border-bottom: 0; }
.step-num {
  position: relative;
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 600;
  color: var(--gold-500);
  line-height: 1;
  display: flex;
  align-items: flex-start;
  justify-content: center;
}
.step-num::after {
  content: "";
  position: absolute;
  top: 3.6rem;
  bottom: -32px;
  left: 50%;
  width: 1px;
  background: linear-gradient(var(--line), transparent);
}
.step:last-child .step-num::after { display: none; }
.step h3 { margin-bottom: 8px; }
.step p { color: var(--ink-500); font-size: 0.96rem; }
.step-meta {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  margin-top: 14px;
  font-size: 0.76rem;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--gold-600);
  background: var(--gold-100);
  padding: 6px 13px;
  border-radius: 100px;
}
@media (max-width: 620px) {
  .step { grid-template-columns: 56px 1fr; gap: 18px; }
  .step-num { font-size: 1.9rem; }
  .step-num::after { top: 2.8rem; }
}

/* ---------------------------------------------------------
   10. Estatísticas
   --------------------------------------------------------- */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255, 255, 255, 0.11);
  border: 1px solid rgba(255, 255, 255, 0.11);
  border-radius: var(--radius);
  overflow: hidden;
}
.stat {
  background: var(--navy-900);
  padding: 36px 26px;
  text-align: center;
}
.section--paper .stat, .section--white .stat { background: var(--white); }
.stat-value {
  font-family: var(--font-display);
  font-size: clamp(2.1rem, 1.5rem + 2vw, 3rem);
  font-weight: 600;
  color: var(--gold-400);
  line-height: 1;
  display: block;
  letter-spacing: -0.02em;
}
.section--paper .stat-value, .section--white .stat-value { color: var(--gold-600); }
.stat-label {
  display: block;
  margin-top: 12px;
  font-size: 0.8rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.45;
}
.section--paper .stat-label, .section--white .stat-label { color: var(--ink-400); }
@media (max-width: 780px) { .stats { grid-template-columns: repeat(2, 1fr); } }

/* ---------------------------------------------------------
   11. Segmentos / lista com marcadores
   --------------------------------------------------------- */
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li {
  position: relative;
  padding-left: 34px;
  margin-bottom: 15px;
  font-size: 0.97rem;
}
.checklist li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 2px;
  width: 21px;
  height: 21px;
  border-radius: 50%;
  background: var(--gold-100);
  border: 1px solid rgba(194, 160, 90, 0.4);
}
.checklist li::after {
  content: "";
  position: absolute;
  left: 7.5px;
  top: 8px;
  width: 5px;
  height: 9px;
  border-right: 2px solid var(--gold-600);
  border-bottom: 2px solid var(--gold-600);
  transform: rotate(42deg);
}
.section--dark .checklist li::before { background: rgba(194, 160, 90, 0.16); border-color: rgba(214, 189, 136, 0.36); }
.section--dark .checklist li::after { border-color: var(--gold-400); }

.segments { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.segment {
  background: var(--white);
  padding: 30px 26px;
  transition: background 0.28s var(--ease);
}
.segment:hover { background: var(--paper-2); }
.segment svg { width: 26px; height: 26px; color: var(--gold-600); margin-bottom: 16px; }
.segment h4 { margin-bottom: 7px; color: var(--ink-900); }
.segment p { font-size: 0.88rem; color: var(--ink-500); margin: 0; }
@media (max-width: 900px) { .segments { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .segments { grid-template-columns: 1fr; } }

/* ---------------------------------------------------------
   12. Citação / depoimentos
   --------------------------------------------------------- */
.quote {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 3px solid var(--gold-500);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 32px 34px;
  height: 100%;
}
.quote p {
  font-family: var(--font-display);
  font-size: 1.08rem;
  line-height: 1.6;
  color: var(--ink-900);
  font-style: italic;
  margin-bottom: 22px;
}
.quote footer {
  display: flex;
  align-items: center;
  gap: 13px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
}
.quote-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--navy-800);
  color: var(--gold-400);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 650;
  font-size: 0.86rem;
  flex: none;
  letter-spacing: 0.02em;
}
.quote cite { font-style: normal; font-weight: 620; color: var(--ink-900); font-size: 0.92rem; display: block; }
.quote-role { font-size: 0.8rem; color: var(--ink-400); }

/* ---------------------------------------------------------
   13. Acordeão (FAQ)
   --------------------------------------------------------- */
.accordion { border-top: 1px solid var(--line); }
.acc-item { border-bottom: 1px solid var(--line); }
.acc-trigger {
  width: 100%;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  background: none;
  border: 0;
  padding: 24px 4px;
  text-align: left;
  cursor: pointer;
  font-family: var(--font-display);
  font-size: clamp(1.02rem, 0.98rem + 0.2vw, 1.15rem);
  font-weight: 600;
  color: var(--ink-900);
  line-height: 1.4;
  transition: color 0.2s var(--ease);
}
.acc-trigger:hover { color: var(--gold-600); }
.acc-icon {
  position: relative;
  width: 24px;
  height: 24px;
  flex: none;
  border: 1px solid var(--line);
  border-radius: 50%;
  margin-top: 2px;
  transition: background 0.3s var(--ease), border-color 0.3s var(--ease);
}
.acc-icon::before,
.acc-icon::after {
  content: "";
  position: absolute;
  background: var(--gold-600);
  left: 50%;
  top: 50%;
  transition: transform 0.3s var(--ease), background 0.3s var(--ease);
}
.acc-icon::before { width: 10px; height: 1.5px; transform: translate(-50%, -50%); }
.acc-icon::after { width: 1.5px; height: 10px; transform: translate(-50%, -50%); }
.acc-trigger[aria-expanded="true"] .acc-icon { background: var(--gold-600); border-color: var(--gold-600); }
.acc-trigger[aria-expanded="true"] .acc-icon::before { background: var(--white); }
.acc-trigger[aria-expanded="true"] .acc-icon::after { transform: translate(-50%, -50%) scaleY(0); }

.acc-panel {
  overflow: hidden;
  height: 0;
  transition: height 0.34s var(--ease);
}
.acc-panel-inner {
  padding: 0 60px 26px 4px;
  color: var(--ink-500);
  font-size: 0.96rem;
}
@media (max-width: 620px) { .acc-panel-inner { padding-right: 10px; } }

/* ---------------------------------------------------------
   14. Formulários
   --------------------------------------------------------- */
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 620px) { .form-grid { grid-template-columns: 1fr; } }

.field { display: flex; flex-direction: column; gap: 8px; }
.field label {
  font-size: 0.82rem;
  font-weight: 620;
  color: var(--ink-900);
  letter-spacing: 0.02em;
}
.field label .req { color: var(--danger); }

.field input,
.field select,
.field textarea {
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--ink-900);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 13px 15px;
  width: 100%;
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease);
  appearance: none;
}
.field textarea { resize: vertical; min-height: 120px; line-height: 1.6; }
.field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235b6b7c' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 16px;
  padding-right: 42px;
  cursor: pointer;
}
.field input::placeholder,
.field textarea::placeholder { color: var(--ink-400); }
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--gold-500);
  box-shadow: 0 0 0 3px rgba(194, 160, 90, 0.16);
}
.field .hint { font-size: 0.76rem; color: var(--ink-400); }
.field .error-msg {
  font-size: 0.78rem;
  color: var(--danger);
  display: none;
  align-items: center;
  gap: 5px;
}
.field.has-error input,
.field.has-error select,
.field.has-error textarea { border-color: var(--danger); }
.field.has-error .error-msg { display: flex; }

.check {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  font-size: 0.85rem;
  color: var(--ink-500);
  line-height: 1.55;
  cursor: pointer;
}
.check input {
  width: 18px;
  height: 18px;
  margin: 2px 0 0;
  accent-color: var(--gold-600);
  flex: none;
  cursor: pointer;
}

.form-panel {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(28px, 4vw, 44px);
  box-shadow: var(--shadow-sm);
}

.form-status {
  display: none;
  align-items: flex-start;
  gap: 12px;
  padding: 16px 18px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  margin-top: 20px;
  line-height: 1.5;
}
.form-status svg { width: 19px; height: 19px; flex: none; margin-top: 1px; }
.form-status.is-visible { display: flex; }
.form-status.is-success { background: rgba(31, 122, 92, 0.09); color: #175f47; border: 1px solid rgba(31, 122, 92, 0.25); }
.form-status.is-error { background: rgba(163, 52, 44, 0.08); color: #8a2c25; border: 1px solid rgba(163, 52, 44, 0.24); }

.btn[aria-busy="true"] { opacity: 0.7; pointer-events: none; }

/* ---------------------------------------------------------
   15. Calculadora
   --------------------------------------------------------- */
.calc {
  display: grid;
  grid-template-columns: 1fr 0.85fr;
  gap: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } }

.calc-form { padding: clamp(26px, 3.5vw, 40px); }
.calc-result {
  background: var(--navy-900);
  color: rgba(255, 255, 255, 0.72);
  padding: clamp(26px, 3.5vw, 40px);
  display: flex;
  flex-direction: column;
}
.calc-result h3 { color: var(--white); font-size: 1.1rem; margin-bottom: 4px; }

.calc-total {
  margin: 26px 0;
  padding: 24px;
  background: rgba(194, 160, 90, 0.12);
  border: 1px solid rgba(214, 189, 136, 0.3);
  border-radius: var(--radius);
  text-align: center;
}
.calc-total-label {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-400);
  font-weight: 600;
}
.calc-total-value {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(1.9rem, 1.4rem + 1.8vw, 2.5rem);
  color: var(--white);
  font-weight: 600;
  line-height: 1.1;
  margin-top: 8px;
  letter-spacing: -0.02em;
}

.calc-breakdown { list-style: none; padding: 0; margin: 0; }
.calc-breakdown li {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 16px;
  padding: 12px 0;
  border-bottom: 1px dashed rgba(255, 255, 255, 0.13);
  font-size: 0.9rem;
  margin: 0;
}
.calc-breakdown li:last-child { border-bottom: 0; }
.calc-breakdown .lbl { color: rgba(255, 255, 255, 0.6); }
.calc-breakdown .val { color: var(--white); font-weight: 600; font-variant-numeric: tabular-nums; }
.calc-breakdown .val.neg { color: var(--gold-400); }

.calc-note {
  margin-top: auto;
  padding-top: 24px;
  font-size: 0.76rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.45);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

/* ---------------------------------------------------------
   16. CTA
   --------------------------------------------------------- */
.cta-band {
  position: relative;
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: rgba(255, 255, 255, 0.76);
  overflow: hidden;
}
.cta-band::after {
  content: "";
  position: absolute;
  width: 620px;
  height: 620px;
  left: -180px;
  bottom: -340px;
  background: radial-gradient(circle, rgba(194, 160, 90, 0.17) 0%, transparent 65%);
  pointer-events: none;
}
.cta-band .container { position: relative; z-index: 2; }
.cta-inner {
  display: grid;
  grid-template-columns: 1.35fr 0.65fr;
  gap: 48px;
  align-items: center;
}
.cta-inner h2 { color: var(--white); margin-bottom: 14px; }
.cta-actions { display: flex; flex-direction: column; gap: 13px; }
@media (max-width: 860px) {
  .cta-inner { grid-template-columns: 1fr; gap: 32px; }
  .cta-actions { flex-direction: row; flex-wrap: wrap; }
}

/* ---------------------------------------------------------
   17. Rodapé
   --------------------------------------------------------- */
.site-footer {
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.55);
  padding: clamp(56px, 6vw, 80px) 0 0;
  font-size: 0.9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.3fr;
  gap: 44px;
  padding-bottom: 52px;
}
@media (max-width: 960px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }

.footer-brand .brand-name { color: var(--white); }
.footer-brand p { margin-top: 20px; max-width: 330px; line-height: 1.62; font-size: 0.88rem; }

.footer-title {
  font-family: var(--font-body);
  font-size: 0.74rem;
  font-weight: 650;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin-bottom: 20px;
}
.footer-list { list-style: none; padding: 0; margin: 0; }
.footer-list li { margin-bottom: 11px; }
.footer-list a { color: rgba(255, 255, 255, 0.58); font-size: 0.89rem; }
.footer-list a:hover { color: var(--gold-400); }

.footer-contact li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin-bottom: 15px;
  line-height: 1.5;
  font-size: 0.88rem;
}
.footer-contact svg { width: 16px; height: 16px; color: var(--gold-500); flex: none; margin-top: 3px; }

.socials { display: flex; gap: 10px; margin-top: 22px; }
.socials a {
  width: 38px;
  height: 38px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, 0.6);
  transition: all 0.25s var(--ease);
}
.socials svg { width: 17px; height: 17px; }
.socials a:hover { background: var(--gold-600); border-color: var(--gold-600); color: var(--white); transform: translateY(-2px); }

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.09);
  padding: 26px 0 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.4);
}
.footer-bottom nav { display: flex; gap: 22px; flex-wrap: wrap; }
.footer-bottom a { color: rgba(255, 255, 255, 0.5); }
.footer-bottom a:hover { color: var(--gold-400); }

.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding: 22px 0 34px;
  font-size: 0.74rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.32);
}

/* ---------------------------------------------------------
   18. Conteúdo jurídico (políticas)
   --------------------------------------------------------- */
.legal-doc { max-width: 780px; }
.legal-doc h2 {
  font-size: clamp(1.3rem, 1.15rem + 0.6vw, 1.6rem);
  margin-top: 2.4em;
  padding-top: 1.6em;
  border-top: 1px solid var(--line);
}
.legal-doc h2:first-of-type { margin-top: 0; padding-top: 0; border-top: 0; }
.legal-doc h3 { font-size: 1.08rem; margin-top: 1.8em; }
.legal-doc ul { padding-left: 1.2em; }
.legal-doc li { font-size: 0.97rem; }
.legal-doc .updated {
  display: inline-block;
  font-size: 0.78rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--ink-400);
  border: 1px solid var(--line);
  padding: 7px 14px;
  border-radius: 100px;
  margin-bottom: 34px;
}

.toc {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 28px;
  position: sticky;
  top: calc(var(--header-h) + 24px);
}
.toc h4 { font-size: 0.74rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-600); margin-bottom: 16px; }
.toc ol { list-style: none; padding: 0; margin: 0; counter-reset: toc; }
.toc li { counter-increment: toc; margin-bottom: 10px; font-size: 0.86rem; }
.toc a { color: var(--ink-500); display: flex; gap: 9px; }
.toc a::before { content: counter(toc) "."; color: var(--gold-600); font-weight: 620; flex: none; }
.toc a:hover { color: var(--navy-900); }
@media (max-width: 900px) { .toc { position: static; margin-bottom: 40px; } }

/* Caixa de destaque legal */
.notice {
  display: flex;
  gap: 16px;
  background: var(--gold-100);
  border: 1px solid rgba(194, 160, 90, 0.32);
  border-radius: var(--radius);
  padding: 22px 24px;
  font-size: 0.9rem;
  line-height: 1.6;
  color: var(--ink-700);
}
.notice svg { width: 21px; height: 21px; color: var(--gold-600); flex: none; margin-top: 2px; }
.notice strong { display: block; margin-bottom: 4px; color: var(--ink-900); }

/* Tabela */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
table { width: 100%; border-collapse: collapse; font-size: 0.9rem; min-width: 560px; }
th, td { padding: 15px 20px; text-align: left; border-bottom: 1px solid var(--line); }
th {
  background: var(--paper-2);
  font-weight: 650;
  color: var(--ink-900);
  font-size: 0.78rem;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}
td { color: var(--ink-500); }
tr:last-child td { border-bottom: 0; }
tbody tr:hover td { background: rgba(241, 238, 232, 0.5); }

/* ---------------------------------------------------------
   20. Animações de entrada
   --------------------------------------------------------- */
[data-reveal] {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
  will-change: opacity, transform;
}
[data-reveal].is-visible { opacity: 1; transform: none; }
[data-reveal-delay="1"] { transition-delay: 0.09s; }
[data-reveal-delay="2"] { transition-delay: 0.18s; }
[data-reveal-delay="3"] { transition-delay: 0.27s; }
[data-reveal-delay="4"] { transition-delay: 0.36s; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  [data-reveal] { opacity: 1; transform: none; }
}

/* ---------------------------------------------------------
   21. Utilitários
   --------------------------------------------------------- */
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}
.mt-0 { margin-top: 0; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mt-4 { margin-top: 32px; }
.mt-5 { margin-top: 44px; }
.mb-0 { margin-bottom: 0; }
.text-center { text-align: center; }

.figure-frame {
  position: relative;
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--navy-800);
  aspect-ratio: 4 / 3;
}
.figure-frame::after {
  content: "";
  position: absolute;
  inset: 12px;
  border: 1px solid rgba(214, 189, 136, 0.28);
  border-radius: var(--radius-sm);
  pointer-events: none;
}
.figure-frame img { width: 100%; height: 100%; object-fit: cover; }

/* Impressão */
@media print {
  .site-header, .topbar, .site-footer, .cta-band, .nav-backdrop { display: none !important; }
  body { background: #fff; color: #000; font-size: 12pt; }
  .section { padding: 16pt 0; }
  a[href^="http"]::after { content: " (" attr(href) ")"; font-size: 9pt; color: #555; }
}