/* Cotar Consórcios e Seguros · LP
   Azul #005F9C · verde #0E7C3A (texto/botão) · degradê laranja→verde do símbolo só em destaque */

:root{
  --azul:#005F9C; --azul-esc:#004A7C; --azul-claro:#E6F0F8;
  --verde:#0E7C3A; --verde-esc:#0B6A31; --verde-vivo:#3BAA3E; --verde-dark:#5BC46B;
  --laranja:#F7931E;
  --navy:#06203A; --navy-2:#0A2C4E; --navy-3:#0B3A63;
  --tinta:#F2F7FB; --branco:#FFFFFF;
  --ink:#0E1B2B; --muted:#4A5868; --linha:#DCE5EE;
  --grad:linear-gradient(120deg,#F7931E 0%,#C9B11F 45%,#3BAA3E 100%);
  --grad-azul:linear-gradient(120deg,#005F9C 0%,#0E7C3A 100%);
  --r:24px; --r-lg:32px;
  --sombra:0 24px 60px -24px rgba(6,32,58,.28),0 6px 18px -8px rgba(6,32,58,.12);
  --f-tit:"Outfit",system-ui,sans-serif;
  --f-txt:"Plus Jakarta Sans",system-ui,sans-serif;
  --ease:cubic-bezier(.2,.8,.2,1);
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--branco);color:var(--ink);font:400 17px/1.65 var(--f-txt);overflow-x:clip;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
.sprite{position:absolute;overflow:hidden}
a{color:inherit}
button{font:inherit;color:inherit;cursor:pointer}
h1,h2,h3{font-family:var(--f-tit);margin:0;line-height:1.08;letter-spacing:-.02em}
p{margin:0}
:focus-visible{outline:3px solid var(--laranja);outline-offset:3px;border-radius:8px}

.wrap{width:min(1180px,100% - 40px);margin-inline:auto}
.wrap--estreito{width:min(860px,100% - 40px)}

/* ---------- Botões ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.6em;border:0;border-radius:999px;padding:1rem 1.6rem;font-weight:700;font-size:1.02rem;text-decoration:none;line-height:1.2;transition:transform .3s var(--ease),box-shadow .3s var(--ease),background-color .3s}
.btn svg{width:1.25em;height:1.25em;flex:none}
.btn:hover{transform:translateY(-2px)}
.btn--zap{background:var(--verde);color:#fff;box-shadow:0 12px 28px -10px rgba(14,124,58,.6)}
.btn--zap:hover{background:var(--verde-esc);box-shadow:0 18px 34px -12px rgba(14,124,58,.7)}
.btn--azul{background:var(--azul);color:#fff;box-shadow:0 12px 28px -10px rgba(0,95,156,.55)}
.btn--azul:hover{background:var(--azul-esc)}
.btn--ghost{background:rgba(255,255,255,.7);color:var(--azul);border:1.5px solid #C9D9E8;backdrop-filter:blur(6px)}
.btn--ghost:hover{border-color:var(--azul)}
.btn--ghost svg{transition:transform .3s var(--ease)}
.btn--ghost:hover svg{transform:translateX(4px)}
.btn--sm{padding:.7rem 1.15rem;font-size:.95rem}
.btn--lg{padding:1.15rem 2rem;font-size:1.1rem}
.btn--cheio{width:100%}

/* ---------- Nav ---------- */
.nav{position:fixed;z-index:50;top:14px;left:50%;transform:translateX(-50%);width:min(1180px,100% - 24px);display:flex;align-items:center;gap:24px;padding:10px 10px 10px 18px;border-radius:999px;background:rgba(255,255,255,.82);border:1px solid rgba(220,229,238,.9);backdrop-filter:blur(14px) saturate(1.4);-webkit-backdrop-filter:blur(14px) saturate(1.4);box-shadow:0 10px 30px -18px rgba(6,32,58,.35);transition:box-shadow .3s}
.nav.is-rolado{box-shadow:0 14px 40px -16px rgba(6,32,58,.4)}
.nav__logo{display:flex;align-items:center;gap:8px;text-decoration:none}
.nav__logo img{height:40px;width:auto}
.nav__logo .nav__word{height:38px}
.nav__links{display:flex;gap:4px;margin-left:auto}
.nav__links a{padding:.55rem .9rem;border-radius:999px;text-decoration:none;font-weight:600;font-size:.95rem;color:var(--ink);transition:background .25s}
.nav__links a:hover{background:var(--azul-claro);color:var(--azul)}

/* ---------- Hero ---------- */
.hero{position:relative;min-height:100svh;padding:140px 0 90px;display:flex;align-items:center;overflow:hidden;isolation:isolate}
.hero__aura{position:absolute;inset:-20% -10% auto;height:120%;z-index:-2;background:
  radial-gradient(40% 45% at 82% 30%,rgba(0,95,156,.18),transparent 70%),
  radial-gradient(30% 35% at 92% 78%,rgba(59,170,62,.18),transparent 70%),
  radial-gradient(28% 30% at 60% 12%,rgba(247,147,30,.14),transparent 70%),
  radial-gradient(40% 50% at 8% 90%,rgba(0,95,156,.08),transparent 70%)}
.hero__grade{position:absolute;inset:0;z-index:-1;background-image:linear-gradient(rgba(0,95,156,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(0,95,156,.06) 1px,transparent 1px);background-size:56px 56px;-webkit-mask-image:radial-gradient(70% 60% at 70% 45%,#000 20%,transparent 75%);mask-image:radial-gradient(70% 60% at 70% 45%,#000 20%,transparent 75%)}
.hero__wrap{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}
.hero__titulo{font-size:clamp(2.55rem,5.2vw,4.5rem);font-weight:800;letter-spacing:-.03em;line-height:1.02;color:var(--navy)}
.hero__titulo .linha{display:block}
.hero__titulo .linha--suave{color:var(--azul);font-weight:700;font-size:.62em;letter-spacing:-.015em;margin-top:.45em}
.rotativo{display:grid;overflow:hidden;padding:.06em 0 .12em;margin:-.06em 0 -.12em}
.rotativo__item{grid-area:1/1;background-image:var(--grad-azul);-webkit-background-clip:text;background-clip:text;color:transparent;transform:translateY(105%);opacity:0;transition:transform .7s var(--ease),opacity .5s}
.rotativo__item.is-on{transform:none;opacity:1}
.rotativo__item.is-out{transform:translateY(-105%);opacity:0}
.hero__sub{margin-top:26px;font-size:1.15rem;color:var(--muted);max-width:34em}
.hero__ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}
.hero__id{margin-top:22px;font-size:.92rem;font-weight:600;color:var(--muted)}

/* palco + carta de crédito */
.hero__palco{position:relative;display:grid;place-items:center;perspective:1200px;padding:30px 0}
.carta{--rx:0deg;--ry:0deg;--mx:50%;--my:30%;position:relative;width:min(420px,100%);padding:26px 26px 22px;border-radius:30px;color:#fff;background:linear-gradient(150deg,#0B4677 0%,#06203A 62%,#082B47 100%);box-shadow:0 50px 90px -30px rgba(6,32,58,.55),0 0 0 1px rgba(255,255,255,.08) inset;transform:rotateX(var(--rx)) rotateY(var(--ry));transform-style:preserve-3d;transition:transform .5s var(--ease);overflow:hidden;animation:cartaEntra 1.1s var(--ease) both .15s}
@keyframes cartaEntra{from{opacity:0;transform:translateY(40px) rotateX(18deg) scale(.94)}}
.carta__brilho{position:absolute;inset:0;pointer-events:none;background:radial-gradient(60% 50% at var(--mx) var(--my),rgba(255,255,255,.16),transparent 60%);mix-blend-mode:screen}
.carta::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(59,170,62,.35),transparent 65%);pointer-events:none}
.carta__topo{display:flex;align-items:center;gap:10px}
.carta__topo img{width:34px;height:auto}
.carta__rot{font-weight:600;font-size:.92rem;color:#B7C6D6}
.carta__tipo{margin-left:auto;font-family:var(--f-tit);font-weight:700;font-size:.92rem;padding:.35rem .8rem;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);transition:opacity .3s}
.carta__icone{position:relative;width:118px;height:128px;margin:22px 0 4px;display:grid;place-items:center}
.carta__icone .ic{grid-area:1/1;width:58px;height:58px;color:#fff;opacity:0;transform:scale(.6) rotate(-8deg);transition:opacity .45s,transform .6s var(--ease)}
.carta__icone .ic.is-on{opacity:1;transform:none}
.carta__escudo{position:absolute;inset:0;width:100%;height:100%;overflow:visible}
.carta__escudo path{fill:rgba(59,170,62,.08);stroke:var(--verde-dark);stroke-width:4;stroke-linejoin:round;stroke-dasharray:420;stroke-dashoffset:420;transition:stroke-dashoffset 1.1s var(--ease),fill .6s}
.carta.is-protegida .carta__escudo path{stroke-dashoffset:0;fill:rgba(59,170,62,.14)}
.carta__valor{font-family:var(--f-tit);font-weight:800;font-size:clamp(2.4rem,4.4vw,3.2rem);letter-spacing:-.03em;line-height:1;font-variant-numeric:tabular-nums}
.carta__valor .moeda{font-size:.45em;font-weight:600;color:#B7C6D6;margin-right:.25em;vertical-align:.55em}
.carta__linha{width:100%;height:auto;margin:14px 0 6px;overflow:visible}
.carta__trilho{fill:none;stroke:rgba(255,255,255,.1);stroke-width:9;stroke-linecap:round;stroke-linejoin:round}
.carta__traco{fill:none;stroke:url(#g-brand);stroke-width:9;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:100;stroke-dashoffset:100}
.carta__ponta path{fill:var(--verde-vivo)}
.carta__ponta{transform-box:fill-box;transform-origin:center;opacity:0}
.carta__rodape{display:flex;align-items:center;gap:14px;margin-top:6px}
.carta__barra{flex:1;font-size:.82rem;font-weight:600;color:#B7C6D6}
.carta__barra i{display:block;height:8px;margin-top:6px;border-radius:9px;background:rgba(255,255,255,.1);overflow:hidden}
.carta__barra b{display:block;height:100%;width:0;border-radius:9px;background:var(--grad);transition:width 1.6s var(--ease)}
.carta__selo{display:flex;align-items:center;gap:6px;padding:.45rem .8rem;border-radius:999px;font-weight:700;font-size:.85rem;color:#9FB3C8;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);transition:all .5s var(--ease)}
.carta__selo svg{width:18px;height:18px}
.carta.is-protegida .carta__selo{color:#fff;background:var(--verde);border-color:transparent;box-shadow:0 8px 20px -8px rgba(59,170,62,.8)}

.flutua{position:absolute;display:flex;align-items:center;gap:10px;padding:12px 16px;border-radius:18px;background:rgba(255,255,255,.92);border:1px solid var(--linha);box-shadow:var(--sombra);backdrop-filter:blur(8px);font-size:.9rem;font-weight:600;color:var(--ink);line-height:1.3;animation:flutua 6s ease-in-out infinite}
.flutua strong{font-family:var(--f-tit);font-size:1.7rem;font-weight:800;color:var(--verde);letter-spacing:-.02em}
.flutua svg{width:30px;height:30px;color:var(--azul);flex:none}
.flutua--a{right:-7%;top:25%;animation-delay:-2s}
.flutua--b{left:-7%;bottom:-2%}
@keyframes flutua{50%{transform:translateY(-12px)}}
.hero__nota{position:absolute;bottom:-4px;right:4%;font-size:.8rem;color:var(--muted)}

/* ---------- Seções ---------- */
.sec{position:relative;padding:clamp(84px,10vw,140px) 0}
.sec--tinta{background:var(--tinta)}
.sec--escura{background:var(--navy);color:#fff}
.sec--escura .lead,.sec--escura p{color:#B7C6D6}
.sec__cabeca{max-width:720px;margin-bottom:48px}
.titulo{font-size:clamp(2rem,4vw,3.15rem);font-weight:800;letter-spacing:-.025em;color:var(--navy)}
.sec--escura .titulo{color:#fff}
.titulo--md{font-size:clamp(1.65rem,3vw,2.3rem)}
.lead{margin-top:18px;font-size:1.13rem;color:var(--muted)}

/* revelar */
.rv{opacity:0;transform:translateY(28px);transition:opacity .8s var(--ease),transform .9s var(--ease);transition-delay:var(--d,0s)}
.rv.is-in{opacity:1;transform:none}

/* ---------- Abas + cartões ---------- */
.abas{position:relative;display:inline-flex;padding:6px;margin-bottom:36px;border-radius:999px;background:#fff;border:1px solid var(--linha);box-shadow:0 8px 20px -14px rgba(6,32,58,.3)}
.abas button{position:relative;z-index:1;border:0;background:none;padding:.75rem 1.6rem;border-radius:999px;font-family:var(--f-tit);font-weight:700;font-size:1.05rem;color:var(--muted);transition:color .3s}
.abas button[aria-selected="true"]{color:#fff}
.abas__pilula{position:absolute;top:6px;bottom:6px;left:6px;width:var(--w,120px);transform:translateX(var(--x,0));border-radius:999px;background:var(--azul);transition:transform .5s var(--ease),width .5s var(--ease),background-color .5s}
.abas.is-seguros .abas__pilula{background:var(--verde)}

.painel{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.painel[hidden]{display:none}
.painel .cartao{animation:sobe .6s var(--ease) both;animation-delay:calc(var(--i,0) * 70ms)}
@keyframes sobe{from{opacity:0;transform:translateY(22px)}}
#painel-seguros .cartao:last-child{grid-column:span 2}
.cartao{position:relative;display:flex;flex-direction:column;gap:10px;padding:28px;border-radius:var(--r);background:#fff;border:1px solid var(--linha);transition:transform .4s var(--ease),box-shadow .4s var(--ease),border-color .4s;overflow:hidden}
.cartao:hover{transform:translateY(-6px);box-shadow:var(--sombra);border-color:transparent}
.cartao__ic{width:56px;height:56px;border-radius:18px;display:grid;place-items:center;background:var(--azul-claro);color:var(--azul);margin-bottom:6px;transition:transform .5s var(--ease)}
.cartao:hover .cartao__ic{transform:rotate(-8deg) scale(1.06)}
.cartao__ic svg{width:30px;height:30px}
.cartao--verde .cartao__ic{background:#E5F3EA;color:var(--verde)}
.cartao h3{font-size:1.4rem;font-weight:700;color:var(--navy)}
.cartao p{color:var(--muted);flex:1}
.cartao__cta{display:inline-flex;align-items:center;gap:8px;align-self:flex-start;margin-top:4px;min-height:44px;padding:0;border:0;background:none;font-weight:700;color:var(--azul)}
.cartao--verde .cartao__cta{color:var(--verde)}
.cartao__cta svg{width:18px;height:18px;transition:transform .3s var(--ease)}
.cartao:hover .cartao__cta svg{transform:translateX(5px)}
.cartao--destaque{grid-row:span 2;justify-content:flex-end;padding:34px;background:linear-gradient(160deg,#0B4677,#06203A 70%);border:0;color:#fff;min-height:420px}
.cartao--destaque.cartao--verde{background:linear-gradient(160deg,#0E6A3A,#06203A 75%)}
.cartao--destaque::before{content:"";position:absolute;right:-40px;top:-40px;width:300px;height:300px;background:url(assets/simbolo.webp?v=1) center/contain no-repeat;opacity:.16;transform:rotate(-10deg);transition:transform .8s var(--ease),opacity .6s}
.cartao--destaque:hover::before{transform:rotate(0) scale(1.06);opacity:.24}
.cartao--destaque h3{color:#fff;font-size:2rem}
.cartao--destaque p{color:#C9D6E3;flex:0}
.cartao--destaque .cartao__ic{background:rgba(255,255,255,.12);color:#fff}
.cartao--destaque .cartao__cta{color:#fff;background:var(--verde);padding:.85rem 1.3rem;border-radius:999px}
.cartao--destaque.cartao--verde .cartao__cta{background:#fff;color:var(--verde)}

/* ---------- Caminho ---------- */
.caminho{overflow:clip}
.caminho::before{content:"";position:absolute;inset:0;background:radial-gradient(40% 40% at 15% 60%,rgba(0,95,156,.35),transparent 70%),radial-gradient(30% 30% at 30% 20%,rgba(59,170,62,.14),transparent 70%);pointer-events:none}
.caminho__wrap{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:64px}
.caminho__palco{position:sticky;top:12vh;height:76vh;display:grid;place-items:center}
.caminho__svg{width:100%;max-height:100%;overflow:visible}
.caminho__trilho{fill:none;stroke:rgba(255,255,255,.08);stroke-width:14;stroke-linecap:round;stroke-linejoin:round}
.caminho__traco{fill:none;stroke:url(#g-brand);stroke-width:14;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:100;stroke-dashoffset:100;filter:drop-shadow(0 0 14px rgba(59,170,62,.45))}
.caminho__ponta path{fill:var(--verde-vivo)}
.caminho__nos circle{fill:var(--navy);stroke:rgba(255,255,255,.25);stroke-width:4;transition:fill .4s,stroke .4s,r .4s}
.caminho__nos circle.is-on{fill:#fff;stroke:var(--verde-vivo);stroke-width:6}
.caminho__contador{position:absolute;left:0;top:4%;font-family:var(--f-tit);font-weight:800;font-size:5.5rem;line-height:1;color:#fff;letter-spacing:-.04em}
.caminho__contador small{display:block;font-size:1rem;font-weight:600;color:#9FB3C8;letter-spacing:0;margin-top:6px}
.caminho__passos{padding:4vh 0 14vh}
.caminho__passos .lead{max-width:30em}
.passo{position:relative;min-height:46vh;display:flex;flex-direction:column;justify-content:center;padding-left:72px;opacity:.45;transition:opacity .6s var(--ease)}
.passo.is-on{opacity:1}
.passo__n{position:absolute;left:0;top:50%;transform:translateY(-130%);width:50px;height:50px;border-radius:16px;display:grid;place-items:center;font-family:var(--f-tit);font-weight:800;font-size:1.3rem;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);transition:background .5s,border-color .5s}
.passo.is-on .passo__n{background:var(--verde);border-color:transparent}
.passo h3{font-size:clamp(1.5rem,2.6vw,2rem);font-weight:700;color:#fff;margin-bottom:12px}
.passo p{font-size:1.08rem;max-width:30em}

/* ---------- Comparativo ---------- */
.comp{display:grid;grid-template-columns:1fr 1.08fr;gap:22px;align-items:stretch}
.comp__col{padding:36px;border-radius:var(--r-lg);border:1px solid var(--linha);background:#fff}
.comp__col h3{display:flex;align-items:center;gap:10px;font-size:1.6rem;margin-bottom:22px;color:var(--navy)}
.comp__col h3 img{width:30px;height:auto}
.comp__col--fin{background:var(--tinta)}
.comp__col--cons{position:relative;border:2px solid transparent;background:linear-gradient(#fff,#fff) padding-box,var(--grad) border-box;box-shadow:var(--sombra);transform:translateY(-10px)}
.comp ul{list-style:none;margin:0;padding:0;display:grid;gap:18px}
.comp li{display:flex;gap:14px;color:var(--muted);line-height:1.5}
.comp li strong{display:block;color:var(--ink);font-weight:700}
.comp li > span{flex:none;width:30px;height:30px;border-radius:50%;position:relative;margin-top:2px;transform:scale(0);transition:transform .5s var(--ease);transition-delay:var(--d,0s)}
.comp.is-in li > span{transform:none}
.comp .ok{background:#E5F3EA}
.comp .ok::after{content:"";position:absolute;left:10px;top:7px;width:7px;height:12px;border:solid var(--verde);border-width:0 3px 3px 0;transform:rotate(45deg)}
.comp .x{background:#F7E6E3}
.comp .x::before,.comp .x::after{content:"";position:absolute;left:14px;top:8px;width:3px;height:14px;border-radius:2px;background:#A33A2E;transform:rotate(45deg)}
.comp .x::after{transform:rotate(-45deg)}
.comp .meio{background:#FDF0DF}
.comp .meio::after{content:"";position:absolute;left:8px;top:13.5px;width:14px;height:3px;border-radius:2px;background:#A35A0B}
.comp__ideal{margin-top:24px;padding-top:20px;border-top:1px solid var(--linha);font-weight:600;color:var(--ink)}
.comp__col--cons .comp__ideal{color:var(--verde)}

/* ---------- Alavancagem ---------- */
.alav__wrap{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.alav__lista{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:14px}
.alav__lista li{position:relative;padding-left:34px;color:#E2EAF2}
.alav__lista li::before{content:"";position:absolute;left:0;top:.35em;width:20px;height:20px;border-radius:7px;background:var(--grad)}
.alav__nota{margin:22px 0 30px;font-size:.92rem}
.alav__grafico{position:relative;height:440px;padding:28px 18px 0;border-radius:var(--r-lg);background:linear-gradient(180deg,rgba(255,255,255,.04),rgba(255,255,255,.01));border:1px solid rgba(255,255,255,.08)}
.degraus{position:absolute;inset:28px 22px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:12px;align-items:end}
.degrau{position:relative;height:var(--h);border-radius:16px 16px 0 0;background:linear-gradient(180deg,#0E5A93,#0A2C4E);border-top:4px solid var(--verde-vivo);display:flex;flex-direction:column;justify-content:flex-end;padding:14px 12px;transform-origin:bottom;transform:scaleY(0);transition:transform 1s var(--ease);transition-delay:calc(var(--i) * 160ms)}
.degrau:nth-child(1){--h:30%}.degrau:nth-child(2){--h:48%}.degrau:nth-child(3){--h:68%}.degrau:nth-child(4){--h:92%}
.degrau--topo{background:linear-gradient(180deg,#14864A,#0A3A4E);border-top-color:var(--laranja)}
.degrau b{font-family:var(--f-tit);font-size:1.05rem;color:#fff;line-height:1.2}
.degrau span{font-size:.82rem;color:#C9D6E3;line-height:1.3;margin-top:4px}
.alav__grafico.is-in .degrau{transform:none}
.alav__seta{position:absolute;inset:0 0 40% 0;width:100%;height:60%;overflow:visible;pointer-events:none}
.alav__seta path{fill:none;stroke:url(#g-brand);stroke-width:6;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:100;stroke-dashoffset:100;vector-effect:non-scaling-stroke;transition:stroke-dashoffset 1.8s var(--ease) .7s;filter:drop-shadow(0 0 10px rgba(247,147,30,.4))}
.alav__grafico.is-in .alav__seta path{stroke-dashoffset:0}

/* ---------- Acolhimento + sobre ---------- */
.acolhe{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.acolhe__cartao{padding:clamp(30px,4vw,48px);border-radius:var(--r-lg);background:linear-gradient(150deg,#E8F2FA,#EAF6EE);border:1px solid #D3E4EF}
.acolhe__cartao p{margin-top:16px;color:#33424F}
.acolhe__cartao .btn{margin-top:28px}
.sobre__anos{display:flex;align-items:center;gap:18px;margin-bottom:24px}
.sobre__num{font-family:var(--f-tit);font-weight:800;font-size:clamp(5rem,9vw,7.5rem);line-height:.9;letter-spacing:-.05em;background-image:var(--grad-azul);-webkit-background-clip:text;background-clip:text;color:transparent;font-variant-numeric:tabular-nums}
.sobre__txt{font-family:var(--f-tit);font-weight:600;font-size:1.25rem;line-height:1.25;color:var(--navy);max-width:11em}
.sobre > p{margin-top:16px;color:var(--muted)}
.sobre__lista{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:18px}
.sobre__lista li{display:flex;gap:14px;color:var(--muted);line-height:1.5}
.sobre__lista strong{display:block;color:var(--ink)}
.sobre__lista svg{flex:none;width:44px;height:44px;padding:10px;border-radius:14px;background:var(--azul-claro);color:var(--azul)}

/* ---------- FAQ ---------- */
.faq{display:grid;gap:12px}
.faq details{border-radius:20px;background:#fff;border:1px solid var(--linha);transition:box-shadow .3s,border-color .3s}
.faq details[open]{box-shadow:var(--sombra);border-color:transparent}
.faq summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px 26px;font-family:var(--f-tit);font-weight:700;font-size:1.2rem;color:var(--navy);cursor:pointer}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:34px;height:34px;border-radius:50%;background:var(--azul-claro) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M12 6v12M6 12h12' stroke='%23005F9C' stroke-width='2.2' stroke-linecap='round'/%3E%3C/svg%3E") center/18px no-repeat;transition:transform .4s var(--ease)}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 26px 24px;color:var(--muted)}

/* ---------- Final ---------- */
.final{position:relative;background:var(--navy);color:#fff;padding-top:clamp(84px,10vw,140px);overflow:hidden;isolation:isolate}
.final__luz{position:absolute;inset:0;z-index:-1;background:radial-gradient(45% 55% at 20% 20%,rgba(0,95,156,.45),transparent 70%),radial-gradient(35% 45% at 85% 70%,rgba(59,170,62,.22),transparent 70%),radial-gradient(25% 30% at 55% 0%,rgba(247,147,30,.16),transparent 70%)}
.final__wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center}
.final .titulo{color:#fff}
.final .lead{color:#B7C6D6;max-width:30em}
.final__simbolo{width:84px;height:auto;margin-bottom:24px;animation:gira 14s linear infinite}
@keyframes gira{50%{transform:rotate(-6deg) scale(1.04)}}
.final .btn{margin-top:32px}
.contato{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.contato li{display:flex;gap:14px;align-items:flex-start;padding:18px 20px;border-radius:20px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1)}
.contato svg{flex:none;width:24px;height:24px;color:var(--verde-dark);margin-top:3px}
.contato span{display:block;font-size:.85rem;color:#9FB3C8}
.contato a{display:inline-block;padding:4px 0;text-decoration:none;font-weight:600;color:#fff;word-break:break-word;line-height:1.45}
.contato a:hover{text-decoration:underline}
.rodape{margin-top:clamp(70px,9vw,110px);border-top:1px solid rgba(255,255,255,.1);padding:34px 0 120px}
.rodape__wrap{display:flex;gap:32px;align-items:flex-start}
.rodape img{width:130px;height:auto;flex:none}
.rodape p{font-size:.85rem;color:#9FB3C8;line-height:1.6}

/* ---------- Botão flutuante ---------- */
.zap-fab{position:fixed;z-index:60;right:20px;bottom:20px;display:flex;align-items:center;gap:10px;height:62px;padding:0 22px 0 18px;border:0;border-radius:999px;background:var(--verde);color:#fff;font-weight:700;font-size:1rem;box-shadow:0 16px 36px -10px rgba(14,124,58,.65);transition:transform .35s var(--ease),opacity .3s}
.zap-fab svg{width:28px;height:28px}
.zap-fab::before{content:"";position:absolute;inset:0;border-radius:inherit;border:2px solid var(--verde-vivo);animation:pulso 2.4s ease-out infinite}
@keyframes pulso{from{opacity:.8;transform:scale(1)}to{opacity:0;transform:scale(1.35)}}
.zap-fab:hover{transform:translateY(-3px)}
body.form-aberto .zap-fab,body.cta-na-tela .zap-fab{opacity:0;pointer-events:none;transform:scale(.8)}

/* ---------- Mini formulário ---------- */
.form-fundo{position:fixed;inset:0;z-index:70;background:rgba(6,32,58,.42);backdrop-filter:blur(3px);opacity:0;transition:opacity .35s}
.form-fundo.is-on{opacity:1}
.form{position:fixed;z-index:80;right:20px;bottom:20px;width:min(420px,100% - 24px);max-height:calc(100svh - 40px);overflow:auto;border-radius:28px;background:#fff;box-shadow:0 40px 90px -20px rgba(6,32,58,.55);transform-origin:bottom right;opacity:0;transform:translateY(20px) scale(.92);transition:opacity .35s var(--ease),transform .45s var(--ease);overscroll-behavior:contain}
.form.is-on{opacity:1;transform:none}
.form__topo{position:sticky;top:0;z-index:1;display:flex;align-items:center;gap:12px;padding:18px 18px 16px 20px;background:linear-gradient(135deg,#0B4677,#06203A);color:#fff}
.form__topo img{width:38px;height:auto;padding:5px;border-radius:12px;background:#fff}
.form__titulo{font-family:var(--f-tit);font-weight:700;font-size:1.15rem;line-height:1.2}
.form__status{display:flex;align-items:center;gap:6px;font-size:.85rem;color:#B7C6D6}
.form__status i{width:8px;height:8px;border-radius:50%;background:var(--verde-dark);box-shadow:0 0 0 3px rgba(91,196,107,.25)}
.form__fechar{margin-left:auto;width:38px;height:38px;border:0;border-radius:50%;background:rgba(255,255,255,.12);color:#fff;font-size:1.5rem;line-height:1}
.form__fechar:hover{background:rgba(255,255,255,.22)}
#formZap{padding:18px 20px 20px;display:grid;gap:18px}
fieldset{border:0;margin:0;padding:0;min-width:0}
fieldset[hidden]{display:none}
legend{padding:0;margin-bottom:10px;font-family:var(--f-tit);font-weight:700;font-size:1.02rem;color:var(--navy)}
.opcoes{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.opcoes label{position:relative;cursor:pointer}
.opcoes input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}
.opcoes span{display:flex;flex-direction:column;align-items:center;gap:6px;padding:12px 6px 10px;border-radius:16px;border:1.5px solid var(--linha);font-weight:600;font-size:.88rem;color:var(--ink);text-align:center;transition:all .25s var(--ease)}
.opcoes span svg{width:26px;height:26px;color:var(--azul)}
.opcoes label:hover span{border-color:#9DBCD6}
.opcoes input:checked + span{border-color:var(--azul);background:var(--azul-claro);color:var(--azul);box-shadow:0 0 0 3px rgba(0,95,156,.12);transform:translateY(-2px)}
.opcoes input:focus-visible + span{outline:3px solid var(--laranja);outline-offset:2px}
.opcoes--texto{display:flex;flex-wrap:wrap}
.opcoes--texto span{flex-direction:row;padding:.6rem .95rem;border-radius:999px;font-size:.9rem}
.campo{display:grid;gap:8px}
.campo span{font-family:var(--f-tit);font-weight:700;font-size:1.02rem;color:var(--navy)}
.campo input{width:100%;padding:.9rem 1rem;border-radius:14px;border:1.5px solid #C2D2E0;font:500 1rem var(--f-txt);color:var(--ink);transition:border-color .25s,box-shadow .25s}
.campo input::placeholder{color:#6B7886}
.campo input:focus{outline:0;border-color:var(--azul);box-shadow:0 0 0 4px rgba(0,95,156,.14)}
.form__erro{min-height:0;font-size:.9rem;font-weight:600;color:#A33A2E}
.form__erro:empty{display:none}
.form__aviso{font-size:.82rem;color:var(--muted);text-align:center;line-height:1.45}

.pontos{display:none}

/* ---------- Responsivo ---------- */
@media (max-width:1020px){
  .nav__links{display:none}
  .nav{justify-content:space-between}
  .hero{padding-top:120px}
  .hero__wrap{grid-template-columns:1fr;gap:40px}
  .hero__palco{max-width:460px;width:100%;margin-inline:auto}
  .painel{grid-template-columns:1fr 1fr}
  .cartao--destaque{grid-row:auto;grid-column:span 2;min-height:320px}
  #painel-seguros .cartao:last-child{grid-column:auto}
  .alav__wrap,.acolhe,.final__wrap{grid-template-columns:1fr}
  .comp{grid-template-columns:1fr}
  .comp__col--cons{transform:none;order:-1}
}
@media (max-width:900px){
  .caminho__wrap{grid-template-columns:1fr}
  .caminho__palco{display:none}
  .caminho__passos{position:relative;padding-bottom:0}
  .caminho__passos::before{content:"";position:absolute;left:24px;top:var(--inicio,220px);bottom:40px;width:4px;border-radius:4px;background:rgba(255,255,255,.1)}
  .caminho__passos::after{content:"";position:absolute;left:24px;top:var(--inicio,220px);width:4px;border-radius:4px;height:calc((100% - var(--inicio,220px) - 40px) * var(--p,0));background:var(--grad);box-shadow:0 0 12px rgba(59,170,62,.5)}
  .passo{min-height:auto;padding:40px 0 20px 72px}
  .passo__n{top:40px;transform:none;z-index:1}
}
@media (max-width:640px){
  body{font-size:17px}
  .wrap,.wrap--estreito{width:calc(100% - 32px)}
  .nav{top:10px;padding:8px 8px 8px 14px}
  .nav__logo img{height:34px}
  .nav__logo .nav__word{height:32px}
  .nav .btn--sm span{display:none}
  .nav .btn--sm{width:46px;height:46px;padding:0}
  .hero{padding:104px 0 70px;min-height:auto}
  .hero__titulo{font-size:clamp(2.35rem,10.5vw,3rem)}
  .hero__sub{font-size:1.06rem}
  .hero__ctas .btn{flex:1 1 100%}
  .flutua--a{right:-3%;top:24%}
  .flutua--b{left:-3%;bottom:-4%}
  .flutua{font-size:.84rem;padding:10px 12px}
  .flutua strong{font-size:1.35rem}
  .hero__nota{right:0;bottom:-30px}
  .carta{padding:22px 20px 18px}
  .painel{grid-template-columns:1fr}
  .cartao--destaque{grid-column:auto;min-height:0;justify-content:flex-start}
  .cartao--destaque::before{width:200px;height:200px;right:-30px;top:-30px}
  .cartao--destaque h3{font-size:1.6rem}
  .abas{display:flex}
  .abas button{flex:1}
  .comp__col{padding:26px 22px}
  .alav__grafico{height:360px}
  .degraus{inset:20px 12px 0;gap:8px}
  .degrau{padding:10px 8px}
  .degrau b{font-size:.92rem}
  .degrau span{font-size:.8rem}
  .faq summary{padding:18px 20px;font-size:1.08rem}
  .faq details p{padding:0 20px 20px}
  .rodape__wrap{flex-direction:column}
  .zap-fab{right:14px;bottom:calc(14px + env(safe-area-inset-bottom));width:60px;height:60px;padding:0;justify-content:center}
  .zap-fab__txt{display:none}
  .zap-fab svg{width:30px;height:30px}
  /* cartões viram carrossel de arrastar */
  .painel{display:flex;grid-template-columns:none;gap:12px;overflow-x:auto;scroll-snap-type:x mandatory;margin-inline:-16px;padding:6px 16px 8px;scroll-padding-inline:16px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
  .painel::-webkit-scrollbar{display:none}
  .painel .cartao{flex:0 0 84%;scroll-snap-align:start;padding:24px}
  .painel .cartao:hover{transform:none}
  #painel-seguros .cartao:last-child{grid-column:auto}
  .pontos{display:flex;justify-content:center;gap:8px;margin-top:14px}
  .pontos[hidden]{display:none}
  .pontos i{width:8px;height:8px;border-radius:8px;background:#C2D2E0;transition:width .35s var(--ease),background-color .35s}
  .pontos i.is-on{width:24px;background:var(--azul)}
  .abas.is-seguros ~ .pontos i.is-on{background:var(--verde)}
  /* no celular os passos ficam sempre legíveis; só o número acende */
  .passo{opacity:1}
  .passo p{color:#B7C6D6}
  .form{right:0;left:0;bottom:0;width:100%;max-height:92svh;border-radius:28px 28px 0 0;transform-origin:bottom center;transform:translateY(100%)}
  .form.is-on{transform:none}
  .opcoes span{font-size:.85rem}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  .rv{opacity:1;transform:none}
  .degrau{transform:none}
}

/* ---------- 404 ---------- */
.erro{min-height:100svh;display:grid;place-content:center;justify-items:center;gap:20px;padding:40px 20px;text-align:center;background:var(--tinta)}
.erro img{width:96px;height:auto}
.erro .lead{max-width:30em;margin-top:0}