/* =========================================================
   INSTITUTO DO SEGURO — Design System
   Tema: rodovia / blindagem / TRC
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Barlow:ital,wght@0,500;0,600;0,700;0,800;1,700&family=Inter:wght@400;500;600;700;800&display=swap');

:root{
  /* --- cores de marca --- */
  --verde: #0F3800;
  --verde-2: #195C33;
  --laranja: #FF5500;
  --laranja-2: #FF7A33;
  --grafite: #1C1E21;
  --grafite-2: #26292E;
  --branco: #FFFFFF;
  --titanio: #F4F6F8;
  --linha: #E4E7EA;
  --texto-suave: #5B6470;

  /* --- tipografia --- */
  --f-display: 'Barlow', sans-serif;
  --f-body: 'Inter', sans-serif;

  /* --- escala --- */
  --radius-sm: 6px;
  --radius-md: 10px;
  --container: 1180px;
  --shadow: 0 18px 40px -22px rgba(15,56,0,.35);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--f-body);
  color:var(--grafite);
  background:var(--branco);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul{margin:0;padding:0;list-style:none;}
h1,h2,h3,h4{
  font-family:var(--f-display);
  font-weight:700;
  line-height:1.08;
  margin:0 0 .5em;
  letter-spacing:-.01em;
}
p{margin:0 0 1em;}
.container{
  max-width:var(--container);
  margin:0 auto;
  padding:0 28px;
}
@media(max-width:640px){ .container{padding:0 20px;} }

section{padding:96px 0;}
@media(max-width:900px){ section{padding:64px 0;} }

.eyebrow{
  font-family:var(--f-body);
  font-weight:700;
  font-size:.8rem;
  color:var(--laranja);
  margin-bottom:14px;
}

/* focus visibility */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{
  outline:3px solid var(--laranja-2);
  outline-offset:2px;
}
@media (prefers-reduced-motion: reduce){
  *{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important;scroll-behavior:auto !important;}
}

/* =============== BOTÕES =============== */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  font-family:var(--f-body);
  font-weight:700;
  font-size:.98rem;
  padding:15px 28px;
  border-radius:var(--radius-sm);
  border:2px solid transparent;
  cursor:pointer;
  transition:transform .15s ease, background .2s ease, border-color .2s ease, color .2s ease;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-2px);}
.btn-laranja{ background:var(--laranja); color:#fff; }
.btn-laranja:hover{ background:#E64C00; }
.btn-outline-white{ border-color:rgba(255,255,255,.55); color:#fff; }
.btn-outline-white:hover{ border-color:#fff; background:rgba(255,255,255,.08); }
.btn-verde{ background:var(--verde); color:#fff; }
.btn-verde:hover{ background:#0C2E00; }
.btn-outline-verde{ border-color:rgba(255,255,255,.45); color:#fff; }
.btn-outline-verde:hover{ background:rgba(255,255,255,.1); border-color:#fff; color:#fff; }
.btn-block{ width:100%; }
.btn-sm{ padding:10px 18px; font-size:.85rem; }

/* =============== TOPBAR (chancela IBTRC) =============== */
.topbar{
  background:var(--grafite);
  color:#c9cdd2;
  font-size:.78rem;
}
.topbar .container{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding-top:8px;
  padding-bottom:8px;
}
.topbar a{color:#c9cdd2; border-bottom:1px solid rgba(255,255,255,.25);}
.topbar a:hover{color:#fff;}
.topbar strong{color:#fff;}

/* =============== HEADER =============== */
header.site-header{
  background:#242421;
  border-bottom:1px solid rgba(255,255,255,.08);
  position:sticky; top:0; z-index:50;
}
.nav{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:14px 0;
  gap:24px;
}
.brand{ display:flex; align-items:center; gap:10px; }
.brand img{ height:48px; width:auto; }
.brand-word{ font-family:var(--f-display); font-weight:800; line-height:1; }
.brand-word small{ display:block; font-family:var(--f-body); font-weight:600; font-size:.62rem; letter-spacing:.06em; color:var(--texto-suave); }
.brand-word .seguro{ color:var(--laranja); font-size:1.18rem; }
.brand-word .instituto{ color:#fff; font-size:.82rem; display:block; }

.nav-links{ display:flex; align-items:center; gap:30px; }
.nav-links a{ font-weight:600; font-size:.92rem; color:#fff; position:relative; padding:4px 0; }
.nav-links a::after{
  content:''; position:absolute; left:0; bottom:-2px; width:0; height:2px; background:var(--laranja);
  transition:width .2s ease;
}
.nav-links a:hover::after,.nav-links a.active::after{ width:100%; }
.nav-links a.active{ color:var(--laranja); }
.nav-cta{ display:flex; align-items:center; gap:14px; }
.nav-toggle{ display:none; background:none; border:0; cursor:pointer; padding:6px; }
.nav-toggle span{ display:block; width:24px; height:2px; background:#fff; margin:5px 0; }

@media(max-width:960px){
  .nav-links{
    position:fixed; inset:70px 0 0 0; background:#242421; flex-direction:column;
    padding:32px 28px; gap:22px; transform:translateX(100%); transition:transform .25s ease;
    overflow-y:auto;
  }
  .nav-links.open{ transform:translateX(0); }
  .nav-toggle{ display:block; }
  .nav-cta .btn-outline-verde{ display:none; }
}

/* =============== HERO =============== */
.hero{
  position:relative;
  background:
    linear-gradient(180deg, rgba(10,12,16,.25) 0%, rgba(10,12,16,.45) 100%),
    url('../images/hero-bg-processed.jpg') center/cover no-repeat;
  color:#fff;
  overflow:hidden;
  padding:110px 0 100px;
}
.hero .hero-grid > div:first-child{ text-shadow:0 2px 16px rgba(0,0,0,.7); }
.hero-panel{ text-shadow:none; }
.hero-grid{
  position:relative; z-index:1;
  display:grid; grid-template-columns:1.15fr .85fr; gap:56px; align-items:center;
}
@media(max-width:900px){ .hero-grid{ grid-template-columns:1fr; } }
.hero-tag{
  display:inline-flex; align-items:center; gap:8px;
  background:rgba(255,85,0,.14); border:1px solid rgba(255,85,0,.5);
  color:var(--laranja-2); font-weight:700; font-size:.78rem;
  padding:7px 14px; border-radius:100px; margin-bottom:22px;
}
.hero h1{
  font-size:clamp(2.2rem, 4.4vw, 3.6rem);
  color:#fff;
  margin-bottom:22px;
}
.hero h1 span{ color:var(--laranja-2); }
.hero p.lead{
  font-size:1.12rem; color:#D8DEE2; max-width:52ch; margin-bottom:34px;
}
.hero-actions{ display:flex; gap:16px; flex-wrap:wrap; margin-bottom:44px; }
.hero-stats{ display:flex; gap:36px; flex-wrap:wrap; }
.hero-stats div strong{ display:block; font-family:var(--f-display); font-size:1.7rem; color:#fff; }
.hero-stats div span{ font-size:.82rem; color:#B7BEC4; }

/* painel de simulação rápida no hero */
.hero-panel{
  background:#fff; color:var(--grafite);
  border-radius:var(--radius-md);
  padding:30px 28px;
  box-shadow:0 30px 60px -20px rgba(0,0,0,.5);
}
.hero-panel h3{ font-size:1.15rem; margin-bottom:4px; }
.hero-panel .sub{ font-size:.86rem; color:var(--texto-suave); margin-bottom:20px; }
.field{ margin-bottom:16px; }
.field label{ display:block; font-size:.78rem; font-weight:700; margin-bottom:6px; color:var(--grafite); }
.field select,.field input{
  width:100%; padding:12px 14px; border:1.5px solid var(--linha); border-radius:var(--radius-sm);
  font-family:var(--f-body); font-size:.92rem; background:#fff; color:var(--grafite);
}
.field select:focus,.field input:focus{ border-color:var(--laranja); outline:none; }
.hero-panel .fine{ font-size:.72rem; color:var(--texto-suave); text-align:center; margin-top:12px; }

/* =============== CLUBE DO INSTITUTO (home) =============== */
.club-section{
  background:linear-gradient(175deg, #1C1E21 0%, #141618 100%);
  color:#fff;
  position:relative;
  overflow:hidden;
  border-top:3px solid var(--laranja);
}
.club-hero-grid{
  position:relative; z-index:1;
  display:grid; grid-template-columns:1.15fr .85fr; gap:56px; align-items:start;
}
@media(max-width:900px){ .club-hero-grid{ grid-template-columns:1fr; } }
.club-hero-text h2{ color:#fff; font-size:clamp(1.6rem,3vw,2.2rem); }
.club-hero-text > p{ color:#C9CED2; max-width:54ch; margin-bottom:32px; }
.club-highlights{ display:grid; gap:20px; }
.club-highlight-item{
  display:flex; gap:16px; align-items:flex-start;
}
.club-icon{
  width:44px; height:44px; border-radius:10px; flex-shrink:0;
  background:none; border:1.5px solid rgba(255,85,0,.4);
  display:flex; align-items:center; justify-content:center;
}
.club-icon svg{ width:22px; height:22px; stroke:var(--laranja-2); fill:none; }
.club-highlight-item strong{ display:block; font-size:.94rem; color:#fff; margin-bottom:3px; }
.club-highlight-item span{ font-size:.82rem; color:#9EA5AD; }
.club-price-card{
  background:var(--grafite-2); border:1px solid rgba(255,255,255,.1);
  border-radius:var(--radius-md); padding:34px 30px;
  position:relative; overflow:hidden;
}
.club-price-card::before{
  content:''; position:absolute; inset:0;
  background:linear-gradient(160deg, rgba(255,85,0,.1), transparent 50%);
  pointer-events:none;
}
.club-price-card .plan-badge,
.club-price-card .plan-price,
.club-price-card .plan-list,
.club-price-card .btn{ position:relative; z-index:1; }

/* =============== SELO COMUNIDADE (banner) =============== */
.community-banner{
  background:var(--laranja);
  color:#fff;
}
.community-banner .container{
  display:flex; align-items:center; justify-content:space-between; gap:28px;
  padding-top:34px; padding-bottom:34px;
}
.community-banner h3{ color:#fff; font-size:1.5rem; margin-bottom:6px; }
.community-banner p{ margin:0; color:#FFE4D3; max-width:60ch; }
.community-banner .btn{ flex-shrink:0; }
@media(max-width:760px){
  .community-banner .container{ flex-direction:column; text-align:center; }
}

/* =============== SEÇÕES GERAIS =============== */
.section-head{ max-width:640px; margin-bottom:52px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
.section-head h2{ font-size:clamp(1.7rem,3vw,2.4rem); }
.bg-titanio{ background:var(--titanio); }
.bg-grafite{ background:var(--grafite); color:#fff; }
.bg-grafite h2,.bg-grafite h3{ color:#fff; }
.bg-verde{ background:var(--verde); color:#fff;}
.bg-verde h2, .bg-verde h3{ color:#fff; }

/* =============== VITRINE DE PRODUTOS =============== */
.filter-row{
  display:flex; gap:10px; flex-wrap:wrap; margin-bottom:36px;
}
.filter-chip{
  border:1.5px solid var(--linha); background:#fff; color:var(--grafite);
  padding:9px 16px; border-radius:100px; font-size:.82rem; font-weight:600; cursor:pointer;
  transition:all .15s ease;
}
.filter-chip:hover{ border-color:var(--laranja); }
.filter-chip.active{ background:var(--grafite); border-color:var(--grafite); color:#fff; }

.product-grid{
  display:grid; grid-template-columns:repeat(3,1fr); gap:24px;
}
@media(max-width:960px){ .product-grid{ grid-template-columns:repeat(2,1fr); } }
@media(max-width:640px){ .product-grid{ grid-template-columns:1fr; } }

.product-card{
  background:#fff; border:1px solid var(--linha); border-radius:var(--radius-md);
  padding:26px 24px; display:flex; flex-direction:column;
  transition:box-shadow .2s ease, border-color .2s ease, transform .2s ease;
}
.product-card:hover{ box-shadow:var(--shadow); border-color:transparent; transform:translateY(-3px); }
.product-card .icon{
  width:52px; height:52px; border-radius:50%; background:none;
  border:2px solid var(--verde);
  display:flex; align-items:center; justify-content:center; margin-bottom:18px; flex-shrink:0;
}
.product-card .icon svg{ width:26px; height:26px; stroke:var(--verde); fill:none; }
.product-card.tag-laranja .icon{ background:none; border-color:var(--laranja); }
.product-card.tag-laranja .icon svg{ stroke:var(--laranja); }
.product-card h4{ font-size:1.08rem; margin-bottom:8px; }
.product-card p{ font-size:.88rem; color:var(--texto-suave); flex-grow:1; margin-bottom:20px; }
.product-card .card-foot{ display:flex; align-items:center; justify-content:space-between; gap:12px; }
.product-card .card-foot a{ font-weight:700; font-size:.85rem; color:var(--verde); }
.product-card .card-foot a:hover{ color:var(--laranja); }
.pill{
  font-size:.68rem; font-weight:700; text-transform:uppercase; letter-spacing:.04em;
  padding:4px 10px; border-radius:100px; background:var(--titanio); color:var(--texto-suave);
}

/* =============== DORES / BENEFÍCIOS =============== */
.pain-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:22px; }
@media(max-width:900px){ .pain-grid{ grid-template-columns:repeat(2,1fr); } }
@media(max-width:560px){ .pain-grid{ grid-template-columns:1fr; } }
.pain-card{
  border-left:3px solid var(--laranja); padding:6px 0 6px 20px;
}
.pain-card strong{ display:block; font-family:var(--f-display); font-size:1.05rem; margin-bottom:6px; }
.pain-card p{ font-size:.86rem; color:#C9CED2; margin:0; }

/* =============== COMUNIDADE / CLUBE =============== */
.club-wrap{
  display:grid; grid-template-columns:.95fr 1.05fr; gap:56px; align-items:start;
}
@media(max-width:900px){ .club-wrap{ grid-template-columns:1fr; } }
.club-benefits{ display:grid; gap:18px; }
.club-benefit{
  display:flex; gap:16px; align-items:flex-start;
  background:#fff; border:1px solid var(--linha); border-radius:var(--radius-md); padding:18px 20px;
}
.club-benefit .num{
  font-family:var(--f-display); font-weight:800; font-size:1.3rem; color:var(--laranja); flex-shrink:0; width:34px;
}
.club-benefit h4{ font-size:1rem; margin-bottom:4px; }
.club-benefit p{ font-size:.86rem; color:var(--texto-suave); margin:0; }

.plan-card{
  background:var(--grafite); color:#fff; border-radius:var(--radius-md);
  padding:36px 32px; position:relative; overflow:hidden;
}
.plan-card::before{
  content:''; position:absolute; inset:0;
  background:linear-gradient(160deg, rgba(255,85,0,.18), transparent 55%);
}
.plan-card .content{ position:relative; z-index:1; }
.plan-badge{
  display:inline-block; background:var(--laranja); color:#fff; font-size:.72rem; font-weight:700;
  padding:5px 12px; border-radius:100px; margin-bottom:18px;
}
.plan-card h3{ font-size:1.5rem; color:#fff; }
.plan-price{ display:flex; align-items:baseline; gap:8px; margin:18px 0 22px; }
.plan-price .amount{ font-family:var(--f-display); font-size:2.6rem; font-weight:800; }
.plan-price .period{ color:#B7BEC4; font-size:.9rem; }
.plan-list{ display:grid; gap:11px; margin-bottom:28px; }
.plan-list li{ display:flex; gap:10px; font-size:.9rem; color:#E7E9EB; }
.plan-list li svg{ width:18px; height:18px; stroke:var(--laranja-2); flex-shrink:0; margin-top:2px; }

/* =============== BLOG =============== */
.blog-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:26px; }
@media(max-width:900px){ .blog-grid{ grid-template-columns:1fr; } }
.blog-card{
  border:1px solid var(--linha); border-radius:var(--radius-md); overflow:hidden; background:#fff;
  display:flex; flex-direction:column; transition:box-shadow .2s ease, transform .2s ease;
}
.blog-card:hover{ box-shadow:var(--shadow); transform:translateY(-3px); }
.blog-thumb{
  height:170px; display:flex; align-items:center; justify-content:center;
  background:linear-gradient(135deg,var(--verde),#0A2600);
  position:relative;
}
.blog-thumb.orange{ background:linear-gradient(135deg,var(--laranja),#C43F00); }
.blog-thumb.graphite{ background:linear-gradient(135deg,var(--grafite),#000); }
.blog-thumb svg{ width:44px; height:44px; stroke:#fff; opacity:.85; }
.blog-body{ padding:22px 22px 26px; display:flex; flex-direction:column; flex-grow:1; }
.blog-meta{ font-size:.74rem; color:var(--texto-suave); font-weight:600; margin-bottom:10px; }
.blog-body h4{ font-size:1.05rem; margin-bottom:10px; }
.blog-body p{ font-size:.86rem; color:var(--texto-suave); flex-grow:1; }
.blog-body a.read{ font-weight:700; font-size:.85rem; color:var(--laranja); }

/* =============== PROVA SOCIAL =============== */
.testi-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
@media(max-width:900px){ .testi-grid{ grid-template-columns:1fr; } }
.testi-card{
  background:#fff; border:1px solid var(--linha); border-radius:var(--radius-md); padding:26px;
}
.testi-card p{ font-size:.92rem; color:var(--grafite); }
.testi-who{ display:flex; align-items:center; gap:12px; margin-top:16px; }
.testi-avatar{
  width:42px; height:42px; border-radius:50%; background:var(--verde); color:#fff;
  display:flex; align-items:center; justify-content:center; font-family:var(--f-display); font-weight:700;
}
.testi-who strong{ display:block; font-size:.88rem; }
.testi-who span{ font-size:.76rem; color:var(--texto-suave); }

.stat-row{ display:grid; grid-template-columns:repeat(4,1fr); gap:24px; text-align:center; margin-top:60px; }
@media(max-width:760px){ .stat-row{ grid-template-columns:repeat(2,1fr); } }
.stat-row strong{ display:block; font-family:var(--f-display); font-size:2.2rem; color:var(--verde); }
.stat-row span{ font-size:.82rem; color:var(--texto-suave); }

/* =============== CTA FINAL =============== */
.cta-final{
  background:var(--verde); color:#fff; text-align:center;
}
.cta-final h2{ color:#fff; font-size:clamp(1.7rem,3.4vw,2.5rem); }
.cta-final p{ color:#CFE3C7; max-width:56ch; margin:0 auto 32px; }
.cta-final .actions{ display:flex; justify-content:center; gap:16px; flex-wrap:wrap; }

/* =============== FOOTER =============== */
footer.site-footer{ background:var(--grafite); color:#B7BEC4; padding:70px 0 0; }
.footer-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1.1fr; gap:40px; padding-bottom:50px; border-bottom:1px solid rgba(255,255,255,.1); }
@media(max-width:860px){ .footer-grid{ grid-template-columns:1fr 1fr; } }
@media(max-width:560px){ .footer-grid{ grid-template-columns:1fr; } }
.footer-grid h5{ color:#fff; font-family:var(--f-display); font-size:.92rem; margin-bottom:16px; }
.footer-grid ul{ display:grid; gap:10px; }
.footer-grid a{ font-size:.86rem; }
.footer-grid a:hover{ color:#fff; }
.footer-brand{ display:flex; gap:10px; align-items:center; margin-bottom:16px; }
.footer-brand img{ height:44px; }
.footer-about p{ font-size:.86rem; max-width:34ch; }
.footer-ibtrc{
  display:inline-flex; align-items:center; gap:8px; margin-top:14px;
  font-size:.76rem; border:1px solid rgba(255,255,255,.18); padding:8px 12px; border-radius:100px;
}
.footer-bottom{
  display:flex; align-items:center; justify-content:space-between; gap:16px;
  padding:22px 0; font-size:.78rem; flex-wrap:wrap;
}
.footer-social{ display:flex; gap:14px; }
.footer-social a{ width:34px; height:34px; border-radius:50%; border:1px solid rgba(255,255,255,.2); display:flex; align-items:center; justify-content:center; }
.footer-social svg{ width:16px; height:16px; stroke:#fff; }

/* =============== MODAL COTAÇÃO =============== */
.modal-overlay{
  display:none;
  position:fixed; inset:0; z-index:100;
  background:rgba(0,0,0,.65);
  align-items:center; justify-content:center;
  padding:20px;
}
.modal-overlay.open{ display:flex; animation:fade .2s ease; }
.modal-box{
  background:#fff; border-radius:var(--radius-md);
  padding:36px 32px; max-width:480px; width:100%;
  position:relative; box-shadow:0 30px 60px -20px rgba(0,0,0,.5);
}
.modal-close{
  position:absolute; top:14px; right:18px;
  background:none; border:0; font-size:1.6rem; color:var(--texto-suave);
  cursor:pointer; line-height:1;
}
.modal-close:hover{ color:var(--grafite); }
.modal-box h3{ font-size:1.25rem; margin-bottom:4px; }
.modal-sub{ font-size:.86rem; color:var(--texto-suave); margin-bottom:22px; }
.modal-box .fine{ font-size:.65rem; text-align:center; }

/* =============== WHATSAPP FLUTUANTE =============== */
.whats-float{
  position:fixed; right:22px; bottom:22px; z-index:60;
  width:58px; height:58px; border-radius:50%; background:#25D366;
  display:flex; align-items:center; justify-content:center;
  box-shadow:0 12px 26px -8px rgba(0,0,0,.45);
}
.whats-float svg{ width:28px; height:28px; fill:#fff; }

/* =============== BREADCRUMB / PAGE HEADER =============== */
.page-hero{
  background:var(--grafite); color:#fff; padding:64px 0 56px;
}
.page-hero h1{ color:#fff; font-size:clamp(1.9rem,3.6vw,2.7rem); }
.page-hero p{ color:#C9CED2; max-width:60ch; }
.breadcrumb{ font-size:.8rem; color:#9AA1A7; margin-bottom:18px; }
.breadcrumb a:hover{ color:#fff; }

/* =============== MULTI-STEP FORM (cotação) =============== */
.quote-wrap{ max-width:760px; margin:0 auto; }
.steps-track{ display:flex; align-items:center; margin-bottom:44px; }
.step-dot{
  width:34px; height:34px; border-radius:50%; background:#fff; border:2px solid var(--linha);
  display:flex; align-items:center; justify-content:center; font-family:var(--f-display); font-weight:700;
  font-size:.9rem; color:var(--texto-suave); flex-shrink:0;
}
.step-dot.active{ background:var(--laranja); border-color:var(--laranja); color:#fff; }
.step-dot.done{ background:var(--verde); border-color:var(--verde); color:#fff; }
.step-line{ flex-grow:1; height:2px; background:var(--linha); margin:0 6px; }
.step-line.done{ background:var(--verde); }
.step-labels{ display:flex; justify-content:space-between; font-size:.72rem; color:var(--texto-suave); margin-top:8px; margin-bottom:40px; font-weight:600; }

.quote-card{ background:#fff; border:1px solid var(--linha); border-radius:var(--radius-md); padding:38px 34px; box-shadow:var(--shadow); }
.quote-panel{ display:none; }
.quote-panel.active{ display:block; animation:fade .3s ease; }
@keyframes fade{ from{opacity:0; transform:translateY(6px);} to{opacity:1; transform:none;} }
.quote-card h2{ font-size:1.4rem; }
.quote-card .step-desc{ color:var(--texto-suave); font-size:.9rem; margin-bottom:28px; }

.option-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:14px; margin-bottom:12px; }
@media(max-width:560px){ .option-grid{ grid-template-columns:1fr; } }
.option-card{
  border:1.5px solid var(--linha); border-radius:var(--radius-sm); padding:18px 16px;
  cursor:pointer; transition:all .15s ease; position:relative;
}
.option-card:hover{ border-color:var(--laranja); }
.option-card.selected{ border-color:var(--laranja); background:#FFF4EE; }
.option-card input{ position:absolute; opacity:0; }
.option-card strong{ display:block; font-size:.94rem; margin-bottom:4px; }
.option-card span{ font-size:.78rem; color:var(--texto-suave); }

.ramo-list{ display:grid; gap:10px; max-height:360px; overflow-y:auto; padding-right:6px; }
.ramo-item{
  display:flex; align-items:center; gap:12px; border:1.5px solid var(--linha); border-radius:var(--radius-sm);
  padding:13px 16px; cursor:pointer; transition:all .15s ease;
}
.ramo-item:hover{ border-color:var(--laranja); }
.ramo-item.selected{ border-color:var(--verde); background:#F1F7EE; }
.ramo-item input{ accent-color:var(--verde); width:17px; height:17px; flex-shrink:0; }
.ramo-item span{ font-size:.9rem; }

.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
@media(max-width:560px){ .form-row{ grid-template-columns:1fr; } }

.quote-actions{ display:flex; justify-content:space-between; align-items:center; margin-top:32px; }
.link-back{ font-weight:700; font-size:.88rem; color:var(--texto-suave); cursor:pointer; background:none; border:0; }
.link-back:hover{ color:var(--grafite); }

.quote-summary{
  background:var(--titanio); border-radius:var(--radius-sm); padding:16px 18px; font-size:.85rem;
  margin-bottom:24px; color:var(--texto-suave);
}
.quote-summary strong{ color:var(--grafite); }

.confirm-box{ text-align:center; padding:20px 0; }
.confirm-icon{
  width:70px; height:70px; border-radius:50%; background:#E9F5E1; display:flex; align-items:center; justify-content:center;
  margin:0 auto 22px;
}
.confirm-icon svg{ width:34px; height:34px; stroke:var(--verde); }

/* =============== TABELA / LISTA GENÉRICA =============== */
.checklist{ display:grid; gap:14px; }
.checklist li{ display:flex; gap:12px; align-items:flex-start; font-size:.94rem; }
.checklist li svg{ width:20px; height:20px; stroke:var(--verde); flex-shrink:0; margin-top:2px; }

/* =============== ARTIGO DE BLOG =============== */
.article-wrap{ max-width:760px; margin:0 auto; }
.article-wrap h2{ font-size:1.5rem; margin-top:1.6em; }
.article-wrap h3{ font-size:1.2rem; margin-top:1.4em; }
.article-wrap p{ font-size:1.02rem; color:#3A3F45; }
.article-wrap ul{ margin:0 0 1.2em; display:grid; gap:8px; }
.article-wrap ul li{ font-size:1rem; color:#3A3F45; padding-left:22px; position:relative; }
.article-wrap ul li::before{ content:''; position:absolute; left:0; top:.6em; width:8px; height:8px; border-radius:50%; background:var(--laranja); }
.article-cta{
  background:var(--titanio); border-left:4px solid var(--laranja); border-radius:var(--radius-sm);
  padding:26px 26px; margin:38px 0;
}
.article-cta h4{ margin-bottom:8px; }
.article-cta p{ margin-bottom:16px; }
.article-tag{ display:inline-block; background:var(--titanio); color:var(--verde); font-weight:700; font-size:.72rem; padding:5px 12px; border-radius:100px; margin-bottom:16px; }
.article-meta{ display:flex; gap:16px; font-size:.82rem; color:var(--texto-suave); margin-bottom:6px; flex-wrap:wrap; }

/* Utilities */
.mt-0{margin-top:0;}
.text-center{text-align:center;}
.hide-mobile{}
@media(max-width:640px){ .hide-mobile{ display:none; } }