/* SEGGUR — Corretora de Seguros */
:root {
  --navy-900: #061a30;
  --navy-800: #0a2540;
  --navy-700: #0f2e4d;
  --blue-600: #1e6bd6;
  --blue-500: #2f7ee0;
  --blue-100: #e8f1fb;
  --blue-50:  #f3f8fe;
  --gray-900: #111827;
  --gray-700: #374151;
  --gray-500: #6b7280;
  --gray-300: #d1d5db;
  --gray-200: #e5e7eb;
  --gray-100: #f3f4f6;
  --gray-50:  #f9fafb;
  --bg:       #f5f7fa;
  --white:    #ffffff;
  --radius:   14px;
  --radius-sm:8px;
  --shadow-sm:0 1px 2px rgba(10,37,64,.06), 0 1px 3px rgba(10,37,64,.08);
  --shadow:   0 4px 12px rgba(10,37,64,.08), 0 2px 4px rgba(10,37,64,.06);
  --shadow-lg:0 20px 40px -10px rgba(10,37,64,.18), 0 8px 16px -8px rgba(10,37,64,.1);
  --container: 1200px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-900);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--blue-600); text-decoration: none; transition: color .15s; }
a:hover { color: var(--blue-500); }
h1, h2, h3, h4 { font-weight: 700; line-height: 1.2; margin: 0 0 .5em; color: var(--navy-800); letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.4rem); font-weight: 800; letter-spacing: -.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: 1.15rem; }
p  { margin: 0 0 1em; color: var(--gray-700); }

.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }

/* HEADER */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.95);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--gray-200);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 96px; gap: 24px; }
.logo { display: flex; align-items: center; gap: 10px; color: var(--navy-800); font-weight: 700; }
.logo:hover { color: var(--navy-800); }
.logo-text { font-size: 1.25rem; line-height: 1; display: flex; flex-direction: column; gap: 2px; letter-spacing: .02em; }
.logo-text small { font-size: .65rem; font-weight: 500; color: var(--gray-500); letter-spacing: .04em; text-transform: uppercase; }
.logo-footer { color: var(--white); margin-bottom: 16px; }
.logo-footer .logo-text small { color: rgba(255,255,255,.6); }
.logo.logo-img img { display: block; height: 76px; width: auto; max-width: 360px; }
.logo-footer.logo-img img { height: 90px; max-width: 400px; }

.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { color: var(--gray-700); font-weight: 500; font-size: .95rem; }
.nav-links a:hover { color: var(--blue-600); }
.nav-links .nav-cta { color: var(--white); }
.nav-toggle {
  display: none; background: none; border: 0; cursor: pointer; padding: 8px;
  flex-direction: column; gap: 5px;
}
.nav-toggle span { width: 24px; height: 2px; background: var(--navy-800); border-radius: 2px; transition: .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* BUTTONS */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 11px 22px; border-radius: var(--radius-sm);
  font-weight: 600; font-size: .95rem;
  border: 2px solid transparent; cursor: pointer;
  transition: transform .12s, box-shadow .15s, background .15s, color .15s;
  text-decoration: none;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--blue-600); color: var(--white); border-color: var(--blue-600); box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--blue-500); color: var(--white); box-shadow: var(--shadow); }
.btn-outline { background: transparent; color: var(--navy-800); border-color: var(--navy-800); }
.btn-outline:hover { background: var(--navy-800); color: var(--white); }
.btn-lg { padding: 14px 28px; font-size: 1rem; }
.btn-block { width: 100%; }

/* HERO */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 55%, var(--navy-700) 100%);
  color: var(--white);
  overflow: hidden;
  padding: 80px 0 90px;
}
.hero-bg {
  position: absolute; inset: 0; pointer-events: none;
  background-image:
    radial-gradient(circle at 85% 25%, rgba(30,107,214,.35) 0%, transparent 45%),
    radial-gradient(circle at 15% 85%, rgba(47,126,224,.25) 0%, transparent 45%);
}
.hero-bg::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 50px 50px;
  mask-image: radial-gradient(ellipse at center, #000 0%, transparent 70%);
}
.hero-inner { position: relative; display: grid; grid-template-columns: 1.3fr 1fr; gap: 48px; align-items: center; }
.hero-text h1 { color: var(--white); margin-bottom: 20px; }
.hero-text .accent { color: var(--blue-500); }
.hero-text .lead { color: rgba(255,255,255,.85); font-size: 1.15rem; max-width: 560px; margin-bottom: 32px; }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-cta .btn-outline { color: var(--white); border-color: rgba(255,255,255,.4); }
.hero-cta .btn-outline:hover { background: var(--white); color: var(--navy-800); border-color: var(--white); }

.eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: .12em;
  color: var(--blue-600); margin-bottom: 14px;
}
.eyebrow-light { color: var(--blue-500); }

.hero-trust { list-style: none; padding: 0; margin: 0; display: flex; gap: 36px; flex-wrap: wrap; }
.hero-trust li { display: flex; flex-direction: column; gap: 2px; }
.hero-trust strong { font-size: 1.6rem; color: var(--white); font-weight: 800; }
.hero-trust span { font-size: .85rem; color: rgba(255,255,255,.7); }

/* HERO PHOTO (substitui hero-card) */
.hero-photo {
  position: relative; aspect-ratio: 4/5; max-width: 440px; width: 100%;
  border-radius: 20px; overflow: hidden;
  box-shadow: 0 30px 60px -20px rgba(0,0,0,.5), 0 0 0 1px rgba(255,255,255,.1);
  justify-self: center;
}
.hero-photo-img {
  position: absolute; inset: 0;
  background-size: cover; background-position: center;
  animation: ken-burns 18s ease-in-out infinite alternate;
}
.hero-photo::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(10,37,64,.5) 100%);
  pointer-events: none;
}
.hero-photo-badge, .hero-photo-badge-2 {
  position: absolute; z-index: 2;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(8px);
  border-radius: 12px; padding: 12px 14px;
  display: flex; align-items: center; gap: 10px;
  box-shadow: 0 12px 24px rgba(10,37,64,.25);
  font-size: .85rem; color: var(--gray-900);
}
.hero-photo-badge { top: 24px; left: -18px; animation: float-a 4s ease-in-out infinite; }
.hero-photo-badge-2 { bottom: 24px; right: -18px; animation: float-b 5s ease-in-out infinite; }
.hero-photo-badge strong, .hero-photo-badge-2 strong { display: block; color: var(--navy-800); font-size: .85rem; }
.hero-photo-badge span, .hero-photo-badge-2 span { font-size: .76rem; color: var(--gray-500); }
.hpb-icon {
  width: 38px; height: 38px; border-radius: 10px;
  background: var(--blue-100); color: var(--blue-600);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.hpb-icon svg { width: 20px; height: 20px; }
.hpb-green { background: #d1fae5; color: var(--green-600, #059669); font-weight: 700; }

@keyframes ken-burns {
  0%   { transform: scale(1)    translate(0, 0); }
  100% { transform: scale(1.08) translate(-2%, -2%); }
}
@keyframes float-a {
  0%, 100% { transform: translateY(0) rotate(-1deg); }
  50%      { transform: translateY(-6px) rotate(-1deg); }
}
@keyframes float-b {
  0%, 100% { transform: translateY(0) rotate(1deg); }
  50%      { transform: translateY(-8px) rotate(1deg); }
}

/* FLASH */
.flash { padding: 14px 18px; border-radius: var(--radius-sm); margin-top: 24px; font-weight: 500; }
.flash-ok { background: #ecfdf5; color: #065f46; border: 1px solid #a7f3d0; }
.flash-err { background: #fef2f2; color: #991b1b; border: 1px solid #fecaca; }

/* SECTIONS */
.section { padding: 80px 0; background: var(--white); }
.section-alt { background: var(--bg); }
.section-dark { background: linear-gradient(135deg, var(--navy-800), var(--navy-700)); color: var(--white); }
.section-dark h2 { color: var(--white); }
.section-dark p { color: rgba(255,255,255,.8); }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 56px; }
.section-head p { font-size: 1.08rem; color: var(--gray-500); }

.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }

/* RAMOS (cards com foto) */
.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px;
  transition: transform .2s, box-shadow .2s, border-color .2s;
}
.ramo-card {
  display: flex; flex-direction: column;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  text-decoration: none; color: inherit;
  transition: transform .25s, box-shadow .25s, border-color .25s;
  position: relative;
}
.ramo-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 40px -10px rgba(10,37,64,.18);
  border-color: var(--blue-100);
  color: inherit;
}
.ramo-photo {
  aspect-ratio: 16/9;
  background-size: cover; background-position: center;
  transition: transform .6s cubic-bezier(.2,.8,.2,1);
}
.ramo-card:hover .ramo-photo { transform: scale(1.06); }
.ramo-photo::after {
  content: ''; display: block; padding-top: 100%;
  background: linear-gradient(180deg, transparent 60%, rgba(10,37,64,.35));
  pointer-events: none;
}
.ramo-body { padding: 22px 24px 24px; flex: 1; display: flex; flex-direction: column; }
.ramo-icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: var(--blue-100); color: var(--blue-600);
  display: flex; align-items: center; justify-content: center;
  margin: -42px 0 14px;
  border: 4px solid #fff; position: relative; z-index: 1;
  box-shadow: var(--shadow-sm);
}
.ramo-icon svg { width: 24px; height: 24px; }
.ramo-card h3 { margin-bottom: 8px; color: var(--navy-800); }
.ramo-card p { font-size: .92rem; margin-bottom: 18px; flex: 1; }
.card-link { font-weight: 600; font-size: .9rem; color: var(--blue-600); }
.ramo-card:hover .card-link { color: var(--blue-500); }

/* MARQUEE seguradoras */
.marquee {
  position: relative;
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.marquee-track {
  display: flex; gap: 14px; width: max-content;
  animation: marquee 50s linear infinite;
}
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-item {
  flex-shrink: 0;
  background: #fff;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 22px 28px;
  min-width: 200px;
  display: flex; align-items: center; justify-content: center;
  transition: transform .15s, border-color .15s, box-shadow .15s;
}
.marquee-item:hover { transform: translateY(-3px); border-color: var(--blue-500); box-shadow: var(--shadow); }
.marquee-item span { font-weight: 700; color: var(--navy-800); font-size: .95rem; white-space: nowrap; letter-spacing: -.01em; }
.marquee-item {
  min-height: 104px; flex-direction: column; gap: 9px;
}
.marquee-logo {
  max-width: 120px; max-height: 44px; width: auto; height: auto;
  object-fit: contain; display: block;
  filter: grayscale(100%); opacity: .68;
  transition: filter .15s, opacity .15s;
}
.marquee-item:hover .marquee-logo { filter: grayscale(0); opacity: 1; }
.marquee-nome {
  font-size: .78rem; font-weight: 600; color: var(--gray-500, #8094a8);
  white-space: nowrap; letter-spacing: -.01em;
}
.marquee-note { text-align: center; margin-top: 28px; }
.muted { color: var(--gray-500); font-size: .9rem; }

@keyframes marquee {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* SEGURADORAS */
.logos-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 14px;
}
.logo-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 22px 16px;
  display: flex; align-items: center; justify-content: center;
  text-align: center; min-height: 84px;
  transition: transform .15s, border-color .15s, box-shadow .15s;
}
.logo-card:hover { transform: translateY(-2px); border-color: var(--blue-500); box-shadow: var(--shadow); }
.logo-card span {
  font-weight: 700; color: var(--navy-800); font-size: .95rem; letter-spacing: -.01em;
}

/* DIFERENCIAIS */
.dif-grid { gap: 36px; }
.dif { display: flex; gap: 20px; align-items: flex-start; }
.dif-num {
  font-size: 2.2rem; font-weight: 800; color: var(--blue-600);
  line-height: 1; font-family: 'Inter', sans-serif;
  flex-shrink: 0;
}
.dif h3 { margin-bottom: 6px; }
.dif p { margin: 0; font-size: .95rem; }

/* SOBRE */
.sobre-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; }
.sobre-visual { position: relative; }
.sobre-photo {
  aspect-ratio: 4/3; border-radius: 16px;
  background-size: cover; background-position: center;
  box-shadow: 0 24px 48px -12px rgba(0,0,0,.45);
  margin-bottom: 24px;
  animation: ken-burns-soft 22s ease-in-out infinite alternate;
}
@keyframes ken-burns-soft {
  0%   { background-position: 50% 50%; }
  100% { background-position: 55% 45%; }
}
.sobre-stats {
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px;
}
.sobre-stats > div {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center;
}
.sobre-stats strong { display: block; font-size: 2rem; font-weight: 800; color: var(--white); margin-bottom: 4px; }
.sobre-stats span { font-size: .9rem; color: rgba(255,255,255,.7); }

/* CONTATO */
.contato-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 56px; align-items: start; }
.contato-list { list-style: none; padding: 0; margin: 28px 0 0; display: flex; flex-direction: column; gap: 18px; }
.contato-list li { display: flex; gap: 14px; align-items: flex-start; }
.contato-list span { font-size: 1.4rem; }
.contato-list strong { display: block; color: var(--navy-800); font-size: .85rem; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 2px; }
.contato-list a { color: var(--gray-700); }
.contato-list a:hover { color: var(--blue-600); }

.contato-form {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
}
.field { margin-bottom: 18px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field label {
  display: block; font-size: .88rem; font-weight: 600;
  color: var(--gray-700); margin-bottom: 6px;
}
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px;
  border: 1.5px solid var(--gray-300); border-radius: var(--radius-sm);
  font: inherit; color: var(--gray-900); background: var(--white);
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue-600);
  box-shadow: 0 0 0 3px rgba(30,107,214,.15);
}
.field textarea { resize: vertical; min-height: 90px; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; opacity: 0; }
.check {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: .9rem; color: var(--gray-700); margin: 10px 0 20px;
  cursor: pointer;
}
.check input { margin-top: 4px; }
.form-note { font-size: .82rem; color: var(--gray-500); margin: 14px 0 0; text-align: center; }

/* FOOTER */
.site-footer { background: var(--navy-900); color: rgba(255,255,255,.75); padding: 64px 0 0; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1.2fr; gap: 48px; padding-bottom: 48px; }
.footer-grid h4 { color: var(--white); font-size: 1rem; margin-bottom: 18px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; font-size: .92rem; }
.footer-grid a { color: rgba(255,255,255,.75); }
.footer-grid a:hover { color: var(--white); }
.footer-tagline { color: rgba(255,255,255,.7); font-size: .95rem; max-width: 320px; }
.footer-contact li { display: flex; gap: 8px; align-items: flex-start; }
.footer-bottom { background: var(--navy-900); border-top: 1px solid rgba(255,255,255,.08); padding: 20px 0; }
.footer-bottom .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; font-size: .82rem; color: rgba(255,255,255,.55); }

/* WHATSAPP FLOAT */
.wa-float {
  position: fixed; right: 22px; bottom: 22px; z-index: 90;
  width: 56px; height: 56px; border-radius: 50%;
  background: #25d366;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 16px rgba(37,211,102,.4);
  transition: transform .15s;
}
.wa-float:hover { transform: scale(1.08); }

/* SCROLL REVEAL */
.reveal {
  opacity: 0; transform: translateY(24px);
  transition: opacity .7s ease-out, transform .7s cubic-bezier(.2,.8,.2,1);
  will-change: opacity, transform;
}
.reveal.in {
  opacity: 1; transform: translateY(0);
}
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .marquee-track, .hero-photo-img, .sobre-photo, .hero-photo-badge, .hero-photo-badge-2 { animation: none; }
}

/* COTAÇÃO PAGE */
.page-hero {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 60%, var(--navy-700) 100%);
  color: var(--white);
  padding: 64px 0 56px;
  position: relative; overflow: hidden;
}
.page-hero::after {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(circle at 80% 30%, rgba(30,107,214,.3) 0%, transparent 50%);
}
.page-hero .container { position: relative; }
.page-hero h1 { color: var(--white); font-size: clamp(1.8rem, 3.5vw, 2.6rem); margin-bottom: 12px; }
.page-hero .accent { color: var(--blue-500); }
.page-hero .lead { color: rgba(255,255,255,.85); max-width: 640px; font-size: 1.05rem; }
.crumbs { font-size: .85rem; color: rgba(255,255,255,.6); margin-bottom: 18px; }
.crumbs a { color: rgba(255,255,255,.8); }
.crumbs a:hover { color: var(--white); }
.crumbs span { color: var(--white); }

.cot-grid { display: grid; grid-template-columns: 280px 1fr; gap: 36px; align-items: start; }

.cot-side { position: sticky; top: 92px; display: flex; flex-direction: column; gap: 20px; }
.cot-side-card { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 22px; }
.cot-side-card h4 { font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; color: var(--gray-500); margin-bottom: 14px; font-weight: 600; }
.cot-side-card ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 4px; }
.cot-side-card ul a {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 12px; border-radius: var(--radius-sm);
  color: var(--gray-700); font-weight: 500; font-size: .92rem;
  transition: background .15s, color .15s;
}
.cot-side-card ul a:hover { background: var(--blue-50); color: var(--blue-600); }
.cot-side-card ul a svg { width: 18px; height: 18px; flex-shrink: 0; }
.cot-side-help strong { display: block; color: var(--navy-800); margin-bottom: 6px; }
.cot-side-help p { font-size: .9rem; margin-bottom: 14px; }
.cot-side-help .btn { margin-bottom: 8px; padding: 10px; font-size: .9rem; }
.cot-side-help .btn:last-child { margin-bottom: 0; }

.cot-form { padding: 36px; }
.cot-form-head {
  display: flex; gap: 18px; align-items: center;
  padding-bottom: 24px; margin-bottom: 24px;
  border-bottom: 1px solid var(--gray-200);
}
.cot-form-head .ramo-icon { margin-bottom: 0; width: 56px; height: 56px; }
.cot-form-head h2 { margin: 0 0 4px; font-size: 1.4rem; }
.cot-form-head p { margin: 0; font-size: .9rem; color: var(--gray-500); }

.cot-form fieldset {
  border: 0; padding: 0; margin: 0 0 28px;
}
.cot-form legend {
  font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em;
  color: var(--blue-600); margin-bottom: 14px; padding: 0;
}

.ramo-link { display: flex; flex-direction: column; text-decoration: none; color: inherit; transition: transform .2s, box-shadow .2s, border-color .2s; }
.ramo-link:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--blue-100); color: inherit; }
.ramo-link h3 { color: var(--navy-800); }

/* FAIXA NACIONAL */
.nacional { background: linear-gradient(135deg, var(--blue-600), var(--blue-500)); padding: 28px 0; }
.nacional-inner { display: flex; align-items: center; gap: 20px; }
.nacional-icon {
  flex: none; width: 56px; height: 56px; border-radius: 50%;
  background: rgba(255,255,255,.16); color: var(--white);
  display: grid; place-items: center;
}
.nacional-text { flex: 1; display: flex; flex-direction: column; }
.nacional-text strong { color: var(--white); font-size: 1.2rem; font-weight: 800; }
.nacional-text span { color: rgba(255,255,255,.85); font-size: .95rem; }
.btn-light { background: var(--white); color: var(--blue-600); border-color: var(--white); }
.btn-light:hover { background: var(--blue-50); color: var(--blue-600); }

/* COMO FUNCIONA */
.passos-grid { counter-reset: passo; }
.passo {
  position: relative; background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius); padding: 36px 28px 28px; box-shadow: var(--shadow-sm);
  transition: transform .2s, box-shadow .2s;
}
.passo:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.passo-num {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--blue-100); color: var(--blue-600);
  font-size: 1.4rem; font-weight: 800;
  display: grid; place-items: center; margin-bottom: 18px;
}
.passo h3 { margin: 0 0 8px; color: var(--navy-800); font-size: 1.15rem; }
.passo p { margin: 0; color: var(--gray-500); }

/* FAQ */
.faq-list { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); overflow: hidden;
}
.faq-item[open] { border-color: var(--blue-100); }
.faq-item summary {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 18px 22px; cursor: pointer; font-weight: 600; color: var(--navy-800);
  list-style: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { color: var(--blue-600); }
.faq-chevron { flex: none; color: var(--blue-600); transition: transform .2s; }
.faq-item[open] .faq-chevron { transform: rotate(180deg); }
.faq-answer { padding: 0 22px 20px; }
.faq-answer p { margin: 0; color: var(--gray-500); }

/* RESPONSIVE */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { max-width: 420px; margin: 0 auto; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .sobre-grid, .contato-grid { grid-template-columns: 1fr; gap: 36px; }
  .cot-grid { grid-template-columns: 1fr; }
  .cot-side { position: static; flex-direction: row; flex-wrap: wrap; }
  .cot-side-card { flex: 1 1 280px; }
}
@media (max-width: 720px) {
  .nav-toggle { display: flex; }
  .nav-links {
    position: absolute; top: 72px; left: 0; right: 0;
    background: var(--white); flex-direction: column; align-items: stretch;
    padding: 16px 24px 24px; gap: 4px;
    border-bottom: 1px solid var(--gray-200);
    box-shadow: var(--shadow);
    transform: translateY(-10px); opacity: 0; pointer-events: none;
    transition: transform .2s, opacity .2s;
  }
  .nav-links a { padding: 10px 0; border-bottom: 1px solid var(--gray-100); }
  .nav-links .nav-cta { margin-top: 12px; border: 0; }
  .nav-links.open { transform: translateY(0); opacity: 1; pointer-events: auto; }

  .hero { padding: 56px 0 64px; }
  .hero-trust { gap: 24px; }
  .section { padding: 56px 0; }
  .section-head { margin-bottom: 40px; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .nacional-inner { flex-direction: column; text-align: center; gap: 16px; }
  .nacional-text { align-items: center; }
  .contato-form { padding: 24px; }
  .cot-form { padding: 24px; }
  .cot-form-head { flex-direction: column; align-items: flex-start; gap: 12px; }
}