/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #0d1f3c;
  --navy-light: #162d54;
  --gold: #c8a44a;
  --gold-light: #e0bc6a;
  --white: #ffffff;
  --gray-light: #f5f7fa;
  --gray: #e2e8f0;
  --text: #2d3748;
  --text-light: #718096;
  --whatsapp: #25d366;
  --sidebar-w: 260px;
  --mobile-h: 60px;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(13,31,60,.12);
  --shadow-lg: 0 8px 40px rgba(13,31,60,.18);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 32px;
}

.section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-light);
  max-width: 560px;
  margin-bottom: 48px;
}

.badge {
  display: inline-block;
  background: rgba(200,164,74,.15);
  color: var(--gold);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 100px;
  margin-bottom: 16px;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: .95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all .2s;
  font-family: inherit;
}

.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-light); transform: translateY(-1px); }

.btn-whatsapp { background: var(--whatsapp); color: #fff; }
.btn-whatsapp:hover { background: #1db954; transform: translateY(-1px); }

.btn-outline { border-color: var(--gold); color: var(--gold); background: transparent; }
.btn-outline:hover { background: var(--gold); color: var(--navy); }

/* ===== SIDEBAR ===== */
.sidebar {
  position: fixed;
  top: 0;
  left: 0;
  height: 100vh;
  width: var(--sidebar-w);
  background: var(--navy);
  border-right: 1px solid rgba(200,164,74,.18);
  display: flex;
  flex-direction: column;
  z-index: 1000;
  overflow-y: auto;
  overflow-x: hidden;
  transition: transform .3s cubic-bezier(.4,0,.2,1);
}

.sidebar::-webkit-scrollbar { width: 4px; }
.sidebar::-webkit-scrollbar-track { background: transparent; }
.sidebar::-webkit-scrollbar-thumb { background: rgba(200,164,74,.3); border-radius: 4px; }

.sidebar-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 20px 18px 18px;
  border-bottom: 1px solid rgba(200,164,74,.15);
  text-decoration: none;
  flex-shrink: 0;
}

.sidebar-logo-mark {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.55rem;
  font-weight: 900;
  color: var(--navy);
  font-family: Georgia, 'Times New Roman', serif;
  flex-shrink: 0;
  box-shadow: 0 2px 12px rgba(200,164,74,.35);
}

.sidebar-logo-text strong {
  display: block;
  color: var(--white);
  font-size: .95rem;
  font-weight: 700;
  line-height: 1.2;
}

.sidebar-logo-text span {
  display: block;
  color: var(--gold);
  font-size: .64rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-top: 2px;
}

.sidebar-nav {
  flex: 1;
  padding: 10px 10px;
  display: flex;
  flex-direction: column;
}

.sidebar-section-label {
  font-size: .62rem;
  font-weight: 700;
  color: rgba(255,255,255,.28);
  letter-spacing: .14em;
  text-transform: uppercase;
  padding: 16px 10px 5px;
  margin-top: 2px;
  flex-shrink: 0;
}

.sidebar-link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 9px 10px;
  border-radius: 8px;
  color: rgba(255,255,255,.65);
  font-size: .86rem;
  font-weight: 500;
  text-decoration: none;
  transition: all .18s;
  cursor: pointer;
  border: none;
  background: none;
  font-family: inherit;
  width: 100%;
  text-align: left;
  flex-shrink: 0;
}

.sidebar-link:hover { background: rgba(255,255,255,.07); color: var(--white); }
.sidebar-link.active { background: rgba(200,164,74,.14); color: var(--gold); }
.sidebar-link.active .sidebar-icon { opacity: 1; color: var(--gold); }

.sidebar-icon {
  width: 16px;
  height: 16px;
  opacity: .55;
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
}

.sidebar-link:hover .sidebar-icon { opacity: .9; }

.sidebar-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,.07);
  margin: 8px 0;
}

.sidebar-bottom {
  padding: 14px 10px 20px;
  border-top: 1px solid rgba(200,164,74,.15);
  display: flex;
  flex-direction: column;
  gap: 10px;
  flex-shrink: 0;
}

.sidebar-btn {
  width: 100%;
  justify-content: center;
  font-size: .84rem;
  padding: 11px 16px;
}

.sidebar-oab {
  text-align: center;
  font-size: .62rem;
  color: rgba(255,255,255,.28);
  letter-spacing: .05em;
}

/* ===== MOBILE HEADER ===== */
.mobile-header {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: var(--mobile-h);
  background: var(--navy);
  border-bottom: 1px solid rgba(200,164,74,.18);
  align-items: center;
  justify-content: space-between;
  padding: 0 16px;
  z-index: 997;
}

.mobile-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.mobile-logo-mark {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  font-weight: 900;
  color: var(--navy);
  font-family: Georgia, serif;
}

.mobile-logo-text strong {
  display: block;
  color: var(--white);
  font-size: .88rem;
  font-weight: 700;
}

.mobile-logo-text span {
  display: block;
  color: var(--gold);
  font-size: .6rem;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.hamburger {
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}

.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all .3s;
}

.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ===== SIDEBAR OVERLAY ===== */
.sidebar-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.5);
  z-index: 999;
  backdrop-filter: blur(2px);
}

.sidebar-overlay.visible { display: block; }

/* ===== MAIN CONTENT ===== */
.main-content {
  margin-left: var(--sidebar-w);
  min-height: 100vh;
}

/* ===== HERO ===== */
#hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, #1a3a6b 100%);
  display: flex;
  align-items: center;
  padding: 80px 0 70px;
  position: relative;
  overflow: hidden;
}

#hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(200,164,74,.12) 0%, transparent 70%);
  pointer-events: none;
}

#hero::after {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(200,164,74,.07) 0%, transparent 70%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 56px;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200,164,74,.15);
  border: 1px solid rgba(200,164,74,.3);
  color: var(--gold);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 24px;
}

.hero-eyebrow::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: .5; transform: scale(1.4); }
}

.hero-title {
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 20px;
}

.hero-title em { font-style: normal; color: var(--gold); }

.hero-desc {
  font-size: 1.02rem;
  color: rgba(255,255,255,.75);
  margin-bottom: 32px;
  max-width: 460px;
}

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 44px; }

.hero-stats {
  display: flex;
  gap: 28px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,.12);
}

.stat strong { display: block; font-size: 1.7rem; font-weight: 800; color: var(--gold); line-height: 1; }
.stat span { font-size: .8rem; color: rgba(255,255,255,.6); }

.hero-card {
  background: rgba(255,255,255,.06);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(200,164,74,.2);
  border-radius: 20px;
  padding: 36px;
  position: relative;
}

.hero-card-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 18px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.services-list { display: flex; flex-direction: column; gap: 10px; margin-bottom: 24px; }

.service-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  background: rgba(255,255,255,.05);
  border-radius: 10px;
  border: 1px solid rgba(255,255,255,.08);
  color: rgba(255,255,255,.88);
  font-size: .88rem;
  transition: all .2s;
}

.service-item:hover { background: rgba(200,164,74,.12); border-color: rgba(200,164,74,.3); }

.service-icon {
  width: 34px; height: 34px;
  background: rgba(200,164,74,.15);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .95rem;
  flex-shrink: 0;
}

/* ===== TRUST BAR ===== */
#trust { background: var(--gold); padding: 18px 0; }

.trust-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 44px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 9px;
  color: var(--navy);
  font-weight: 600;
  font-size: .88rem;
}

.trust-item svg { width: 18px; height: 18px; }

/* ===== AREAS ===== */
#areas { padding: 88px 0; background: var(--gray-light); }

.areas-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }

.area-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray);
  transition: all .3s;
  position: relative;
  overflow: hidden;
}

.area-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform .3s;
}

.area-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.area-card:hover::before { transform: scaleX(1); }

.area-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 18px;
}

.area-card h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.area-card p { font-size: .86rem; color: var(--text-light); line-height: 1.7; }

/* ===== CALCULADORAS BANNER ===== */
#calc-banner { padding: 80px 0; background: var(--white); }

.calc-banner-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.calc-cards-grid { display: flex; flex-direction: column; gap: 14px; }

.calc-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 20px;
  background: var(--gray-light);
  border-radius: var(--radius);
  border: 1px solid var(--gray);
  text-decoration: none;
  transition: all .25s;
  color: var(--text);
}

.calc-card:hover {
  border-color: var(--gold);
  background: rgba(200,164,74,.06);
  transform: translateX(4px);
  box-shadow: var(--shadow);
}

.calc-card-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}

.calc-card-text strong { display: block; font-size: .95rem; font-weight: 700; color: var(--navy); }
.calc-card-text span { font-size: .8rem; color: var(--text-light); }
.calc-card-arrow { margin-left: auto; font-size: 1.1rem; color: var(--gold); opacity: 0; transition: opacity .2s; }
.calc-card:hover .calc-card-arrow { opacity: 1; }

/* ===== SOBRE ===== */
#sobre { padding: 88px 0; background: var(--white); }

.sobre-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.sobre-img-wrap { position: relative; }

.sobre-img {
  width: 100%;
  aspect-ratio: 3/4;
  border-radius: 20px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.sobre-avatar { font-size: 7.5rem; opacity: .3; }

.sobre-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--gold);
  color: var(--navy);
  padding: 18px 22px;
  border-radius: var(--radius);
  text-align: center;
  box-shadow: var(--shadow-lg);
}

.sobre-badge strong { display: block; font-size: 1.9rem; font-weight: 800; line-height: 1; }
.sobre-badge span { font-size: .72rem; font-weight: 600; }

.sobre-content .section-subtitle { margin-bottom: 24px; }

.credentials { display: flex; flex-direction: column; gap: 10px; margin-bottom: 28px; }

.credential-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: var(--gray-light);
  border-radius: 10px;
}

.credential-icon { font-size: 1.15rem; }
.credential-item p { font-size: .85rem; color: var(--text-light); margin: 0; }
.credential-item strong { display: block; font-size: .9rem; color: var(--navy); }

/* ===== ARTIGOS ===== */
#artigos { padding: 88px 0; background: var(--gray-light); }

.artigos-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }

.artigo-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray);
  transition: all .3s;
  display: flex;
  flex-direction: column;
}

.artigo-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.artigo-thumb {
  height: 160px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.8rem;
  position: relative;
}

.artigo-categoria {
  position: absolute;
  top: 14px; left: 14px;
  background: var(--gold);
  color: var(--navy);
  font-size: .7rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 100px;
  text-transform: uppercase;
  letter-spacing: .06em;
}

.artigo-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.artigo-body h3 { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; line-height: 1.4; }
.artigo-body p { font-size: .83rem; color: var(--text-light); margin-bottom: 18px; flex: 1; }

.artigo-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--gold);
  font-weight: 600;
  font-size: .82rem;
  transition: gap .2s;
}

.artigo-link:hover { gap: 10px; }

/* ===== WHATSAPP SECTION ===== */
#whatsapp-section {
  padding: 88px 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  position: relative;
  overflow: hidden;
  text-align: center;
}

#whatsapp-section::before {
  content: '';
  position: absolute;
  top: -50%;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(200,164,74,.1) 0%, transparent 70%);
}

.wa-icon {
  width: 76px; height: 76px;
  background: var(--whatsapp);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.3rem;
  margin: 0 auto 22px;
  box-shadow: 0 0 0 16px rgba(37,211,102,.15);
  animation: wa-pulse 2.5s infinite;
}

@keyframes wa-pulse {
  0%, 100% { box-shadow: 0 0 0 16px rgba(37,211,102,.15); }
  50% { box-shadow: 0 0 0 28px rgba(37,211,102,.05); }
}

#whatsapp-section .section-title { color: var(--white); margin: 0 auto 12px; }
#whatsapp-section .section-subtitle { color: rgba(255,255,255,.7); margin: 0 auto 32px; max-width: 500px; }

.wa-items {
  display: flex;
  justify-content: center;
  gap: 28px;
  margin-bottom: 36px;
  flex-wrap: wrap;
}

.wa-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.8);
  font-size: .88rem;
}

/* ===== FOOTER ===== */
footer {
  background: #060f1e;
  color: rgba(255,255,255,.6);
  padding: 56px 0 28px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 44px;
  margin-bottom: 44px;
}

.footer-brand p { font-size: .86rem; margin-top: 14px; max-width: 300px; line-height: 1.7; }

.footer-col h4 {
  color: var(--white);
  font-size: .82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 14px;
}

.footer-col a {
  display: block;
  color: rgba(255,255,255,.5);
  font-size: .83rem;
  padding: 4px 0;
  transition: color .2s;
}

.footer-col a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .78rem;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-oab {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200,164,74,.1);
  border: 1px solid rgba(200,164,74,.2);
  color: var(--gold);
  padding: 5px 12px;
  border-radius: 100px;
  font-size: .75rem;
  font-weight: 600;
}

/* footer logo */
.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 4px;
}

.footer-logo-mark {
  width: 38px; height: 38px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 900;
  color: var(--navy);
  font-family: Georgia, serif;
}

.footer-logo-text strong { display: block; color: var(--white); font-size: .92rem; font-weight: 700; }
.footer-logo-text span { font-size: .65rem; color: var(--gold); letter-spacing: .06em; text-transform: uppercase; }

/* ===== WHATSAPP FAB ===== */
.wa-fab {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 9999;
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--whatsapp);
  color: #fff;
  padding: 13px 20px;
  border-radius: 50px;
  box-shadow: 0 4px 20px rgba(37,211,102,.4);
  font-weight: 700;
  font-size: .87rem;
  cursor: pointer;
  transition: all .3s;
  animation: fab-enter .5s ease .5s both;
}

@keyframes fab-enter {
  from { opacity: 0; transform: translateY(20px) scale(.9); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

.wa-fab:hover { background: #1db954; transform: translateY(-2px); box-shadow: 0 8px 30px rgba(37,211,102,.5); }
.wa-fab-icon { font-size: 1.25rem; }

.wa-fab-tooltip {
  position: absolute;
  bottom: calc(100% + 10px);
  right: 0;
  background: var(--navy);
  color: var(--white);
  padding: 8px 14px;
  border-radius: 8px;
  font-size: .76rem;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: opacity .2s;
}

.wa-fab:hover .wa-fab-tooltip { opacity: 1; }

/* ===== ARTICLE PAGE ===== */
.article-hero {
  padding: 72px 0 52px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--white);
}

.article-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 18px;
  flex-wrap: wrap;
}

.article-meta span {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .8rem;
  color: rgba(255,255,255,.6);
}

.article-title {
  font-size: clamp(1.5rem, 3vw, 2.4rem);
  font-weight: 800;
  line-height: 1.25;
  max-width: 720px;
  margin-bottom: 14px;
}

.article-lead {
  font-size: 1.05rem;
  color: rgba(255,255,255,.75);
  max-width: 620px;
  line-height: 1.7;
}

.article-body { max-width: 740px; margin: 0 auto; padding: 56px 24px; }

.article-body h2 {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
  margin: 38px 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--gray);
}

.article-body h3 { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin: 24px 0 8px; }
.article-body p { margin-bottom: 14px; line-height: 1.8; color: var(--text); }

.article-body ul, .article-body ol {
  margin: 14px 0 18px 18px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.article-body ul { list-style: disc; }
.article-body ol { list-style: decimal; }
.article-body li { color: var(--text); line-height: 1.7; }

.article-body .tip-box {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--white);
  border-radius: var(--radius);
  padding: 26px;
  margin: 28px 0;
}

.tip-box h4 { color: var(--gold); margin-bottom: 8px; font-size: .88rem; text-transform: uppercase; letter-spacing: .06em; }
.tip-box p { color: rgba(255,255,255,.85); margin: 0; }

.article-cta {
  background: var(--gray-light);
  border: 2px solid var(--gold);
  border-radius: var(--radius);
  padding: 28px;
  margin: 44px 0;
  text-align: center;
}

.article-cta h3 { color: var(--navy); margin-bottom: 8px; }
.article-cta p { color: var(--text-light); margin-bottom: 18px; font-size: .88rem; }

/* ===== QUIZ CTA BANNER ===== */
#quiz-banner { padding: 72px 0; background: var(--white); }

.quiz-banner-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.quiz-banner-content h2 {
  font-size: clamp(1.35rem, 2.5vw, 1.9rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.3;
}

.quiz-banner-content p { color: var(--text-light); margin-bottom: 24px; font-size: .93rem; line-height: 1.7; }

.quiz-steps { display: flex; flex-direction: column; gap: 12px; }

.quiz-step {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--gray-light);
  border-radius: 10px;
  padding: 12px 16px;
}

.quiz-step-num {
  width: 30px; height: 30px;
  background: var(--navy);
  color: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: .82rem;
  flex-shrink: 0;
}

.quiz-step p { margin: 0; font-size: .85rem; color: var(--text); }
.quiz-step strong { display: block; color: var(--navy); font-size: .87rem; }

/* ===== FAQ ===== */
#faq { padding: 88px 0; background: var(--gray-light); }

.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; align-items: start; }

.faq-item {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray);
  overflow: hidden;
  transition: box-shadow .2s;
}

.faq-item:hover { box-shadow: var(--shadow); }

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  padding: 18px 20px;
  cursor: pointer;
  font-weight: 600;
  color: var(--navy);
  font-size: .9rem;
  line-height: 1.4;
  border: none;
  background: none;
  width: 100%;
  text-align: left;
  font-family: inherit;
}

.faq-question:hover { color: var(--gold); }

.faq-icon {
  width: 22px; height: 22px;
  background: var(--navy);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .82rem;
  flex-shrink: 0;
  transition: all .3s;
}

.faq-item.open .faq-icon { background: var(--gold); color: var(--navy); transform: rotate(45deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .3s;
  padding: 0 20px;
}

.faq-item.open .faq-answer { max-height: 320px; padding: 0 20px 18px; }
.faq-answer p { font-size: .86rem; color: var(--text-light); line-height: 1.75; margin: 0 0 10px; }
.faq-answer a { color: var(--gold); font-weight: 600; }

/* ===== EXIT INTENT POPUP ===== */
.popup-overlay {
  position: fixed;
  inset: 0;
  background: rgba(13,31,60,.7);
  backdrop-filter: blur(4px);
  z-index: 9998;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s;
}

.popup-overlay.visible { opacity: 1; pointer-events: all; }

.popup-box {
  background: var(--white);
  border-radius: 20px;
  padding: 36px;
  max-width: 460px;
  width: 100%;
  text-align: center;
  position: relative;
  transform: translateY(20px);
  transition: transform .3s;
  box-shadow: 0 20px 60px rgba(0,0,0,.3);
}

.popup-overlay.visible .popup-box { transform: translateY(0); }

.popup-close {
  position: absolute;
  top: 12px; right: 14px;
  background: none; border: none;
  font-size: 1.2rem; color: var(--text-light);
  cursor: pointer; line-height: 1;
}

.popup-close:hover { color: var(--navy); }
.popup-emoji { font-size: 2.8rem; margin-bottom: 14px; }
.popup-box h3 { font-size: 1.15rem; font-weight: 800; color: var(--navy); margin-bottom: 8px; }
.popup-box p  { font-size: .88rem; color: var(--text-light); margin-bottom: 22px; line-height: 1.6; }
.popup-actions { display: flex; flex-direction: column; gap: 10px; }
.popup-skip { background: none; border: none; color: var(--text-light); font-size: .8rem; cursor: pointer; font-family: inherit; text-decoration: underline; margin-top: 4px; }

/* ===== CONTACT MODAL ===== */
.contact-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(13,31,60,.72);
  backdrop-filter: blur(4px);
  z-index: 9997;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s;
}

.contact-modal-overlay.visible { opacity: 1; pointer-events: all; }

.contact-modal {
  background: var(--white);
  border-radius: 20px;
  padding: 36px;
  max-width: 520px;
  width: 100%;
  position: relative;
  transform: translateY(24px);
  transition: transform .3s;
  box-shadow: 0 24px 64px rgba(0,0,0,.3);
  max-height: 90vh;
  overflow-y: auto;
}

.contact-modal-overlay.visible .contact-modal { transform: translateY(0); }

.contact-modal-close {
  position: absolute;
  top: 14px; right: 16px;
  background: none; border: none;
  font-size: 1.3rem; color: var(--text-light);
  cursor: pointer; line-height: 1;
}

.contact-modal-close:hover { color: var(--navy); }

.contact-modal h3 {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
}

.contact-modal > p {
  color: var(--text-light);
  font-size: .9rem;
  margin-bottom: 24px;
  line-height: 1.6;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 5px;
  margin-bottom: 16px;
}

.form-group label {
  font-size: .8rem;
  font-weight: 600;
  color: var(--navy);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 10px 14px;
  border: 1.5px solid var(--gray);
  border-radius: 8px;
  font-size: .92rem;
  font-family: inherit;
  color: var(--text);
  outline: none;
  transition: border .2s;
  background: var(--white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--gold); }

.form-group textarea { min-height: 90px; resize: vertical; }

.form-row { display: grid; grid-template-columns: 1fr auto; gap: 12px; }
.form-row .form-group:last-child { width: 80px; }

.contact-modal .btn { width: 100%; justify-content: center; margin-top: 4px; }

/* ===== SIMULATOR / CALCULADORAS ===== */
.calc-hero {
  padding: 72px 0 44px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: #fff;
  text-align: center;
}

.calc-hero h1 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 800; margin-bottom: 10px; }
.calc-hero p { color: rgba(255,255,255,.7); max-width: 540px; margin: 0 auto; }

.calc-wrap { max-width: 860px; margin: 0 auto; padding: 44px 24px 72px; }

.progress-bar {
  display: flex;
  gap: 0;
  margin-bottom: 36px;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--gray);
}

.prog-step {
  flex: 1;
  padding: 13px 8px;
  text-align: center;
  font-size: .78rem;
  font-weight: 600;
  background: var(--gray-light);
  color: var(--text-light);
  cursor: default;
  transition: all .3s;
  position: relative;
}

.prog-step.active { background: var(--navy); color: #fff; }
.prog-step.done { background: var(--gold); color: var(--navy); }

.sim-section { display: none; }
.sim-section.active { display: block; }

.upload-zone {
  border: 2px dashed var(--gray);
  border-radius: var(--radius);
  padding: 44px 24px;
  text-align: center;
  cursor: pointer;
  transition: all .2s;
  background: var(--gray-light);
  margin-bottom: 24px;
}

.upload-zone:hover,.upload-zone.drag { border-color: var(--gold); background: rgba(200,164,74,.05); }
.upload-zone .upload-icon { font-size: 2.4rem; margin-bottom: 10px; }
.upload-zone strong { display: block; color: var(--navy); margin-bottom: 5px; }
.upload-zone small { color: var(--text-light); font-size: .8rem; }
.upload-zone input[type=file] { display: none; }
.upload-parsed { background: rgba(25,211,102,.08); border: 1px solid rgba(25,211,102,.3); border-radius: var(--radius); padding: 14px 18px; margin-bottom: 22px; font-size: .86rem; color: #155724; display: none; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 24px; }
.form-grid .form-group { margin-bottom: 0; }
.form-group.full { grid-column: 1/-1; }

.periods-table { width: 100%; border-collapse: collapse; margin-bottom: 18px; font-size: .83rem; }
.periods-table th { background: var(--navy); color: #fff; padding: 9px 10px; text-align: left; font-size: .76rem; text-transform: uppercase; letter-spacing: .05em; }
.periods-table td { padding: 7px 9px; border-bottom: 1px solid var(--gray); vertical-align: middle; }
.periods-table tr:nth-child(even) td { background: var(--gray-light); }
.periods-table input,.periods-table select { padding: 5px 7px; border: 1px solid var(--gray); border-radius: 6px; font-size: .8rem; width: 100%; font-family: inherit; }
.periods-table select { padding: 5px 4px; }

.btn-del { background: none; border: none; color: #e53e3e; font-size: 1.05rem; cursor: pointer; padding: 3px 7px; border-radius: 6px; transition: background .2s; }
.btn-del:hover { background: rgba(229,62,62,.1); }

.btn-add-period { background: none; border: 2px dashed var(--gold); color: var(--gold); padding: 9px 18px; border-radius: 8px; font-weight: 600; font-size: .83rem; cursor: pointer; transition: all .2s; margin-bottom: 24px; font-family: inherit; }
.btn-add-period:hover { background: var(--gold); color: var(--navy); }

.step-nav { display: flex; gap: 14px; margin-top: 28px; flex-wrap: wrap; }

.result-summary { background: linear-gradient(135deg, var(--navy), var(--navy-light)); color: #fff; border-radius: var(--radius); padding: 24px; margin-bottom: 24px; }
.result-summary h2 { font-size: 1.05rem; font-weight: 700; margin-bottom: 14px; color: var(--gold); }
.summary-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 14px; }
.summary-stat strong { display: block; font-size: 1.4rem; font-weight: 800; color: var(--gold); }
.summary-stat span { font-size: .75rem; color: rgba(255,255,255,.65); }
.best-card { border: 2px solid var(--gold); border-radius: var(--radius); padding: 22px; background: rgba(200,164,74,.06); margin-bottom: 24px; position: relative; }
.best-badge { position: absolute; top: -11px; left: 18px; background: var(--gold); color: var(--navy); font-size: .68rem; font-weight: 800; padding: 3px 10px; border-radius: 100px; text-transform: uppercase; letter-spacing: .08em; }
.best-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.best-card .date-value { display: flex; gap: 28px; margin-top: 10px; flex-wrap: wrap; }
.dv-item strong { display: block; font-size: 1.25rem; color: var(--navy); font-weight: 800; }
.dv-item span { font-size: .72rem; color: var(--text-light); }
.rules-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 28px; }
.rule-card { background: #fff; border: 1px solid var(--gray); border-radius: var(--radius); padding: 18px; box-shadow: 0 2px 8px rgba(0,0,0,.06); }
.rule-card.eligible { border-color: var(--gold); }
.rule-card.not-applicable { opacity: .6; }
.rule-name { font-size: .77rem; font-weight: 700; color: var(--text-light); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 7px; }
.rule-status { display: inline-flex; align-items: center; gap: 5px; font-size: .75rem; font-weight: 700; padding: 3px 9px; border-radius: 100px; margin-bottom: 10px; }
.rule-status.ok { background: rgba(25,211,102,.12); color: #1a9e4d; }
.rule-status.future { background: rgba(200,164,74,.15); color: #b8912a; }
.rule-status.na { background: var(--gray); color: var(--text-light); }
.rule-date { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.rule-benefit { font-size: .82rem; color: var(--text-light); }
.rule-detail { font-size: .72rem; color: var(--text-light); margin-top: 7px; padding-top: 7px; border-top: 1px solid var(--gray); }
.disclaimer { background: var(--gray-light); border-left: 4px solid var(--gold); padding: 14px 18px; border-radius: 0 8px 8px 0; font-size: .78rem; color: var(--text-light); margin-top: 22px; line-height: 1.6; }
.loading { display: none; text-align: center; padding: 36px; color: var(--text-light); }
.loading .spinner { width: 38px; height: 38px; border: 3px solid var(--gray); border-top-color: var(--gold); border-radius: 50%; animation: spin .8s linear infinite; margin: 0 auto 14px; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ===== CALCULADORA SIMPLES STYLES ===== */
.calc-simple-wrap { max-width: 680px; margin: 0 auto; padding: 48px 24px 80px; }

.calc-card-main {
  background: var(--white);
  border-radius: 16px;
  padding: 36px;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray);
}

.calc-card-main h2 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}

.calc-card-main > p {
  font-size: .88rem;
  color: var(--text-light);
  margin-bottom: 28px;
  line-height: 1.6;
}

.calc-result {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: var(--radius);
  padding: 28px;
  margin-top: 24px;
  display: none;
}

.calc-result.visible { display: block; }

.calc-result h3 { color: var(--gold); font-size: 1rem; font-weight: 700; margin-bottom: 16px; }

.calc-result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 18px; }

.calc-result-item strong {
  display: block;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--gold);
}

.calc-result-item span { font-size: .74rem; color: rgba(255,255,255,.6); }

.calc-result-total {
  border-top: 1px solid rgba(200,164,74,.3);
  padding-top: 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.calc-result-total strong { font-size: 1.5rem; color: #fff; font-weight: 800; }
.calc-result-total span { font-size: .85rem; color: rgba(255,255,255,.65); }

.calc-disclaimer {
  background: rgba(200,164,74,.08);
  border: 1px solid rgba(200,164,74,.2);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: .76rem;
  color: var(--text-light);
  margin-top: 20px;
  line-height: 1.6;
}

.input-prefix {
  position: relative;
}

.input-prefix-label {
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  font-size: .88rem;
  color: var(--text-light);
  pointer-events: none;
}

.input-prefix input { padding-left: 32px !important; }

/* ===== RESPONSIVE ===== */
@media (max-width: 960px) {
  .sidebar { transform: translateX(-100%); }
  .sidebar.open { transform: translateX(0); }
  .sidebar-overlay.visible { display: block; }
  .mobile-header { display: flex; }
  .main-content { margin-left: 0; padding-top: var(--mobile-h); }
}

@media (max-width: 900px) {
  .hero-grid, .sobre-grid, .footer-grid { grid-template-columns: 1fr; gap: 40px; }
  .areas-grid, .artigos-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-card { display: none; }
  .sobre-img { aspect-ratio: 4/3; }
  .sobre-badge { bottom: -14px; right: 14px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .calc-banner-inner { grid-template-columns: 1fr; gap: 28px; }
  .quiz-banner-inner { grid-template-columns: 1fr; gap: 28px; }
  .faq-grid { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
  .areas-grid, .artigos-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 16px; }
  .trust-inner { gap: 18px; }
  .footer-grid { grid-template-columns: 1fr; }
  .wa-fab span:not(.wa-fab-icon) { display: none; }
  .wa-fab { padding: 15px; border-radius: 50%; }
  .form-grid { grid-template-columns: 1fr; }
  .rules-grid { grid-template-columns: 1fr; }
  .summary-grid { grid-template-columns: 1fr 1fr; }
  .popup-box { padding: 24px 16px; }
  .contact-modal { padding: 24px 18px; }
  .calc-result-grid { grid-template-columns: 1fr; }
}