:root{
  --bg:#050d17; --bg2:#09131f; --card:#0d1a29; --campo:#08121d; --linha:#1c2c40;
  --ouro:#d9a95d; --ouro-claro:#fce4af; --ouro-escuro:#a07a3f;
  --grad:linear-gradient(135deg,#f3d398,#d9a95d 55%,#b88a45);
  --texto:#ece8df; --suave:#9aa8b8;
  --titulo:"Cormorant Garamond",Georgia,serif;
  --corpo:Montserrat,system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0}
img{max-width:100%}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:76px;background:var(--bg)}
body{font-family:var(--corpo);color:var(--texto);line-height:1.7;font-size:16px;
  background:radial-gradient(ellipse at 70% 0%,#0f2236 0,transparent 60%)}
body::before{content:"";position:fixed;inset:0;pointer-events:none;z-index:-1;
  background:
   linear-gradient(135deg,transparent 0 7%,rgba(217,169,93,.5) 7% 7.12%,transparent 7.12% 9%,rgba(217,169,93,.2) 9% 9.08%,transparent 9.08%),
   linear-gradient(315deg,transparent 0 7%,rgba(217,169,93,.5) 7% 7.12%,transparent 7.12% 9%,rgba(217,169,93,.2) 9% 9.08%,transparent 9.08%)}
h1,h2{font-family:var(--titulo);font-weight:600;line-height:1.08;letter-spacing:-.01em}
a{color:inherit}
:focus-visible{outline:3px solid var(--ouro);outline-offset:2px}
.wrap{max-width:960px;margin:0 auto;padding:0 24px}

.topbar{position:sticky;top:0;z-index:10;display:flex;align-items:center;gap:24px;padding:10px 24px;background:rgba(5,13,23,.88);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid var(--linha)}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;margin-right:auto}
.brand img{height:40px;width:auto}
.brand b{display:block;font-family:var(--titulo);font-size:1.4rem;letter-spacing:.22em;color:var(--ouro-claro);line-height:1}
.brand small{display:block;font-size:.58rem;letter-spacing:.14em;text-transform:uppercase;color:var(--suave);margin-top:3px}
.topbar nav{display:flex;gap:24px}
.topbar nav a{text-decoration:none;font-size:.85rem;color:var(--suave)}
.topbar nav a:hover{color:var(--ouro-claro)}

.menu-btn{display:none;place-items:center;width:44px;height:44px;flex:none;background:none;border:1px solid var(--linha);border-radius:10px;cursor:pointer}
.menu-btn span,.menu-btn span::before,.menu-btn span::after{display:block;width:20px;height:2px;background:var(--ouro-claro);border-radius:2px;content:"";transition:transform .15s}
.menu-btn span{position:relative}
.menu-btn span::before{position:absolute;top:-6px}
.menu-btn span::after{position:absolute;top:6px}
.menu-btn[aria-expanded=true] span{background:transparent}
.menu-btn[aria-expanded=true] span::before{transform:translateY(6px) rotate(45deg)}
.menu-btn[aria-expanded=true] span::after{transform:translateY(-6px) rotate(-45deg)}
.btn{display:inline-block;background:var(--grad);color:#1a1204;font-weight:600;font-size:.95rem;text-decoration:none;text-align:center;padding:14px 24px;border-radius:8px;transition:transform .15s,box-shadow .15s}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 24px -10px rgba(217,169,93,.6)}
.btn-small{padding:8px 18px;font-size:.85rem}
.btn-claro{background:transparent;border:1px solid var(--ouro);color:var(--ouro-claro)}

.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;max-width:1120px;margin:0 auto;padding:80px 24px}
.hero>*{min-width:0}
.hero h1{font-size:clamp(2.4rem,5vw,4rem);color:var(--ouro-claro);margin-bottom:22px}
.hero-text p{max-width:46ch;color:var(--suave)}
.hero-text .selo{display:inline-block;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--ouro);margin-bottom:18px}

.sim,.resumo{background:var(--card);border:1px solid var(--linha);border-radius:16px;padding:32px;box-shadow:0 30px 60px -30px #000}
.sim h2,.resumo h2{font-size:1.7rem;color:var(--ouro-claro);margin-bottom:8px}
.sub{color:var(--suave);font-size:.92rem;margin-bottom:20px}
.dots{display:flex;gap:8px;margin-bottom:22px}
.dots i{width:28px;height:3px;border-radius:2px;background:var(--linha)}
.dots i.on{background:var(--ouro)}
.tiles{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.tiles button{font:inherit;font-weight:500;display:flex;align-items:center;gap:12px;padding:16px;border:1px solid var(--linha);border-radius:10px;background:var(--campo);color:var(--texto);cursor:pointer;transition:border-color .15s,transform .15s}
.tiles button:hover{border-color:var(--ouro);transform:translateY(-2px)}
.tiles span{font-size:1.5rem;filter:saturate(.7)}
.alterar{font:inherit;font-size:.85rem;background:none;border:1px solid var(--linha);border-radius:999px;padding:6px 14px;margin-bottom:16px;cursor:pointer;color:var(--suave)}
.alterar:hover{border-color:var(--ouro);color:var(--ouro-claro)}
.campo{display:block;background:var(--campo);border:1px solid var(--linha);border-radius:10px;padding:7px 14px;margin-bottom:12px}
.campo:focus-within{border-color:var(--ouro)}
.campo span{display:block;font-size:.72rem;color:var(--suave)}
.campo input{width:100%;border:0;background:transparent;font:inherit;color:var(--texto);padding:2px 0;outline:0}
.duas{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.aceite{display:flex;align-items:center;gap:12px;margin:8px 0 14px;font-size:.88rem;color:var(--suave);cursor:pointer}
.aceite{position:relative}
.aceite input{position:absolute;opacity:0;left:0;top:50%;width:1px;height:1px}
.chave{flex:none;width:44px;height:26px;border-radius:999px;background:var(--linha);position:relative;transition:background .15s}
.chave::after{content:"";position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:var(--texto);transition:transform .15s}
.aceite input:checked + .chave{background:var(--ouro-escuro)}
.aceite input:checked + .chave::after{transform:translateX(18px);background:var(--ouro-claro)}
.aceite input:focus-visible + .chave{outline:3px solid var(--ouro)}
.aceite a{color:var(--ouro);font-weight:600}
.erro{color:#f0a39b;font-size:.85rem;min-height:1.3em;margin-bottom:8px}
#passo2 .btn{width:100%;border:0;font-family:inherit;cursor:pointer}

.historia{background:var(--bg2);border-block:1px solid var(--linha);padding:88px 0}
.historia h2,.duvidas h2{font-size:clamp(2rem,4vw,2.9rem);color:var(--ouro-claro);margin-bottom:16px}
.lead{color:var(--suave);max-width:62ch;margin-bottom:44px}
.linha{list-style:none;padding:0 0 0 28px;border-left:1px solid var(--ouro-escuro);display:grid;gap:28px}
.linha strong{font-family:var(--titulo);font-size:1.5rem;color:var(--ouro)}
.linha p{color:var(--suave)}

.consultor{padding:88px 0}
.card-consultor{display:flex;gap:32px;align-items:center;background:var(--card);border:1px solid var(--linha);border-radius:16px;padding:40px;max-width:960px}
.foto{flex:none;width:140px;height:140px;border-radius:50%;border:2px solid var(--ouro);background:var(--campo);color:var(--ouro-claro);display:grid;place-items:center;font-family:var(--titulo);font-size:2.8rem;font-weight:600}
.card-consultor h2{font-size:2.1rem;color:var(--ouro-claro)}
.card-consultor p{color:var(--suave)}
.card-consultor .cargo{color:var(--ouro);font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:12px}
.contatos{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}

.duvidas{padding:0 0 96px}
.faq details{background:var(--card);border:1px solid var(--linha);border-radius:10px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;font-weight:500;padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--ouro)}
.faq details[open] summary::after{content:"−"}
.faq p{padding-bottom:18px;color:var(--suave);font-size:.95rem}

footer{background:#030a12;border-top:1px solid var(--linha);text-align:center;padding:48px 24px;font-size:.85rem;color:var(--suave)}
.logo-rodape{width:220px;max-width:70%;margin-bottom:20px}
footer .mini{opacity:.7;font-size:.75rem;margin-top:8px}

.pagina-sim{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;max-width:1040px;margin:0 auto;padding:64px 24px}
.rotulo-pag{color:var(--ouro);font-size:.8rem;letter-spacing:.2em;text-transform:uppercase}
.pagina-sim h1{font-size:clamp(2.2rem,4vw,3.2rem);color:var(--ouro-claro);margin-bottom:12px}
.rot{display:flex;justify-content:space-between;font-weight:500;margin-top:26px}
.rot output{color:var(--ouro)}
input[type=range]{width:100%;accent-color:var(--ouro);margin:10px 0}
.limites{display:flex;justify-content:space-between;font-size:.8rem;color:var(--suave)}
select{width:100%;font:inherit;color:var(--texto);padding:12px;border-radius:10px;border:1px solid var(--linha);background:var(--campo);margin:10px 0 18px}
.resumo{align-self:start}
.resumo dl div{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid var(--linha);font-size:.92rem}
.resumo dt{color:var(--suave)}.resumo dd{font-weight:600;text-align:right}
.resumo .destaque dd{font-family:var(--titulo);font-size:1.7rem;color:var(--ouro-claro)}
.nota{font-size:.8rem;color:var(--suave);margin:14px 0}
.resumo .btn{display:block}
.aviso{font-size:.72rem;color:var(--suave);margin-top:12px}

@media(max-width:860px){
  .hero,.pagina-sim{grid-template-columns:1fr;padding-top:40px}
  .topbar nav{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;gap:0;padding:8px 16px 14px;background:#050d17;border-bottom:1px solid var(--linha)}
  .topbar nav.aberto{display:flex}
  .topbar nav a{padding:14px 4px;font-size:1rem;border-bottom:1px solid var(--linha)}
  .topbar nav a:last-child{border-bottom:0}
  .menu-btn{display:grid}
  .card-consultor{flex-direction:column;text-align:center;padding:28px}
  .contatos{justify-content:center}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* Estilos complementares do simulador integrado em três etapas */
[hidden]{display:none!important}
.brand-mark{display:grid;place-items:center;width:40px;height:40px;border:1px solid var(--ouro);border-radius:10px;color:var(--ouro-claro);font-family:var(--titulo);font-size:1.8rem;font-weight:700}
.passos-topo{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:22px}
.passos-topo .dots{margin:0}
.passos-topo>span{font-size:.72rem;color:var(--suave);white-space:nowrap}
.tiles{grid-template-columns:1fr 1fr}
.tiles button{min-height:76px;text-align:left}
.tiles .tile-label{font-size:.9rem;flex:1}
.tiles .tile-arrow{font-size:1rem;color:var(--ouro);margin-left:auto}
.beneficios{list-style:none;padding:0;margin-top:24px;display:grid;gap:8px;color:var(--suave);font-size:.92rem}
.beneficios li::before{content:"✓";color:var(--ouro);margin-right:10px;font-weight:700}
.btn-full{display:block;width:100%;border:0;font-family:inherit;cursor:pointer}
#passo2 .btn{width:100%}
#passo3 .controle{margin:22px 0}
#passo3 .rot{align-items:center;gap:12px;margin:0}
#passo3 .rot label{font-size:.88rem;color:var(--suave)}
#passo3 .rot output{font-weight:600;color:var(--ouro-claro);text-align:right}
#passo3 input[type=range]{display:block}
.resultado{padding:22px;border:1px solid rgba(217,169,93,.45);border-radius:12px;background:linear-gradient(135deg,rgba(217,169,93,.1),rgba(8,18,29,.75));text-align:center;margin:24px 0 14px}
.resultado-label{display:block;color:var(--suave);font-size:.78rem}
.resultado strong{display:block;font-family:var(--titulo);font-size:clamp(1.9rem,5vw,2.5rem);color:var(--ouro-claro);line-height:1.3}
.resultado p{font-size:.72rem;color:var(--suave)}
.resumo-mini{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.resumo-mini>div{padding:12px;border-radius:8px;background:var(--campo);border:1px solid var(--linha)}
.resumo-mini span,.resumo-mini strong{display:block}
.resumo-mini span{font-size:.72rem;color:var(--suave)}
.resumo-mini strong{font-size:.9rem;overflow-wrap:anywhere}
#passo3 .aviso{line-height:1.55;margin:16px 0}
.link-button{display:block;margin:12px auto 0;background:none;border:0;color:var(--suave);font:inherit;font-size:.82rem;text-decoration:underline;cursor:pointer}
.is-disabled{opacity:.65;cursor:not-allowed}
.brand-footer{justify-content:center;margin:0 auto 20px}
footer p{max-width:780px;margin:8px auto}
@media(max-width:520px){
  .hero{padding:36px 16px;gap:28px}
  .sim{padding:22px 18px}
  .tiles{grid-template-columns:1fr 1fr;gap:8px}
  .tiles button{padding:12px 10px;gap:8px;min-height:68px}
  .tiles button>span:first-child{font-size:1.2rem}
  .tiles .tile-label{font-size:.8rem}
  .duas{grid-template-columns:1fr;gap:0}
  .passos-topo{margin-bottom:18px}
  .brand small{font-size:.5rem}
  .topbar{padding:10px 14px;gap:10px}
  .topbar>.btn{padding:8px 11px;font-size:.75rem}
}