/* ============================================================
   SEGURALL — Folha de Estilos Principal
   Design: Institucional premium, teal/navy, mobile-first
   ============================================================ */

/* ---- Google Fonts ---- */
@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=DM+Sans:ital,wght@0,300;0,400;0,500;0,600;1,400&display=swap');

/* ============================================================
   VARIÁVEIS CSS — Sistema de Design
   ============================================================ */
:root {
  /* Paleta do logo */
  --navy:        #0B3D5E;
  --navy-deep:   #072D46;
  --navy-light:  #134E72;
  --teal:        #1498B8;
  --teal-light:  #22BDD4;
  --teal-pale:   #E8F6FA;
  --teal-mid:    #B8E4EE;

  /* Neutros */
  --white:       #FFFFFF;
  --gray-50:     #F5F8FB;
  --gray-100:    #EDF1F5;
  --gray-200:    #DDE4EC;
  --gray-300:    #C4CFDB;
  --gray-400:    #94A3B8;
  --gray-500:    #64748B;
  --gray-600:    #475569;
  --gray-700:    #334155;
  --gray-800:    #1E293B;
  --gray-900:    #0F172A;

  /* Semânticas */
  --text-primary:   #1A2B3C;
  --text-secondary: #475569;
  --text-muted:     #7C8FA0;
  --border:         #DDE4EC;
  --bg-page:        #F5F8FB;

  /* Sucesso / Erro */
  --green:       #10B981;
  --green-light: #D1FAE5;
  --red:         #EF4444;
  --red-light:   #FEE2E2;
  --orange:      #F59E0B;

  /* Gradiente principal */
  --gradient:    linear-gradient(135deg, var(--navy-deep) 0%, var(--teal) 100%);
  --gradient-r:  linear-gradient(135deg, var(--teal) 0%, var(--navy-deep) 100%);

  /* Tipografia */
  --font-display: 'Outfit', sans-serif;
  --font-body:    'DM Sans', sans-serif;

  /* Sombras */
  --shadow-sm:   0 1px 3px rgba(11,61,94,0.08), 0 1px 2px rgba(11,61,94,0.04);
  --shadow-md:   0 4px 16px rgba(11,61,94,0.10), 0 2px 6px rgba(11,61,94,0.06);
  --shadow-lg:   0 10px 40px rgba(11,61,94,0.14), 0 4px 12px rgba(11,61,94,0.08);
  --shadow-xl:   0 20px 60px rgba(11,61,94,0.18);

  /* Raios */
  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --radius-xl:  32px;

  /* Transições */
  --transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--text-primary);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--navy); }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.2;
  color: var(--text-primary);
}

/* ============================================================
   LAYOUT
   ============================================================ */
.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

.container--sm { max-width: 760px; }
.container--md { max-width: 960px; }

.section {
  padding: 80px 0;
}

.section--sm { padding: 56px 0; }
.section--lg { padding: 112px 0; }

/* ============================================================
   TIPOGRAFIA
   ============================================================ */
.display-1 { font-size: clamp(2.4rem, 5vw, 3.6rem); font-weight: 800; letter-spacing: -0.02em; }
.display-2 { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 700; letter-spacing: -0.02em; }
.h1 { font-size: clamp(1.8rem, 3.5vw, 2.4rem); font-weight: 700; }
.h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 700; }
.h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); font-weight: 600; }
.lead { font-size: clamp(1rem, 2vw, 1.2rem); line-height: 1.75; color: var(--text-secondary); }
.small { font-size: 0.875rem; }
.tiny  { font-size: 0.8rem; }

.text-center { text-align: center; }
.text-left   { text-align: left; }
.text-white  { color: var(--white); }
.text-navy   { color: var(--navy); }
.text-teal   { color: var(--teal); }
.text-muted  { color: var(--text-muted); }

/* Secção: título + subtítulo centrado */
.section-label {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
}

.section-title {
  font-size: clamp(1.7rem, 3.5vw, 2.3rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-secondary);
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ============================================================
   BOTÕES
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 600;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  border: 2px solid transparent;
  transition: var(--transition);
  white-space: nowrap;
  text-decoration: none;
  cursor: pointer;
  line-height: 1;
}

.btn--primary {
  background: var(--teal);
  color: var(--white);
  border-color: var(--teal);
  box-shadow: 0 4px 16px rgba(20,152,184,0.30);
}
.btn--primary:hover {
  background: var(--teal-light);
  border-color: var(--teal-light);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(20,152,184,0.40);
}

.btn--navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn--navy:hover {
  background: var(--navy-light);
  border-color: var(--navy-light);
  color: var(--white);
  transform: translateY(-2px);
}

.btn--outline {
  background: transparent;
  color: var(--teal);
  border-color: var(--teal);
}
.btn--outline:hover {
  background: var(--teal);
  color: var(--white);
  transform: translateY(-2px);
}

.btn--outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn--outline-white:hover {
  background: rgba(255,255,255,0.15);
  border-color: var(--white);
  color: var(--white);
}

.btn--lg {
  font-size: 1.05rem;
  padding: 17px 36px;
}

.btn--sm {
  font-size: 0.85rem;
  padding: 10px 20px;
}

/* Ícone SVG nos botões */
.btn svg { width: 18px; height: 18px; flex-shrink: 0; }

/* ============================================================
   HEADER / NAVEGAÇÃO
   ============================================================ */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: var(--transition);
}

.site-header.scrolled {
  border-bottom-color: var(--border);
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 32px;
}

/* Logo */
.site-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}

.site-logo img {
  height: 40px;
  width: auto;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.logo-text strong {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
}

.logo-text span {
  font-size: 0.72rem;
  color: var(--teal);
  font-weight: 500;
  letter-spacing: 0.03em;
}

/* Nav */
.site-nav {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-link {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-600);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-link:hover, .nav-link.active {
  color: var(--navy);
  background: var(--gray-50);
}

/* CTA no header */
.header-cta {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* Hamburger mobile */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
  background: none;
  border: none;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--transition);
}

/* Mobile nav overlay */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--white);
  z-index: 999;
  flex-direction: column;
  padding: 100px 24px 40px;
  gap: 8px;
}

.mobile-nav.open { display: flex; }

.mobile-nav .nav-link {
  font-size: 1.2rem;
  font-weight: 600;
  padding: 16px 0;
  border-bottom: 1px solid var(--gray-100);
  border-radius: 0;
  color: var(--navy);
}

.mobile-nav .btn {
  margin-top: 16px;
  justify-content: center;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--navy-deep);
  overflow: hidden;
  padding-top: 72px;
}

/* Fundo decorativo */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 50%, rgba(20,152,184,0.20) 0%, transparent 60%),
    radial-gradient(ellipse 50% 80% at 10% 80%, rgba(34,189,212,0.12) 0%, transparent 50%),
    linear-gradient(160deg, var(--navy-deep) 0%, #0D3D5A 50%, #0A3252 100%);
  z-index: 0;
}

/* Padrão geométrico subtil */
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 1px 1px, rgba(255,255,255,0.04) 1px, transparent 0);
  background-size: 40px 40px;
  z-index: 0;
}

.hero-content {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  width: 100%;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(20,152,184,0.15);
  border: 1px solid rgba(20,152,184,0.30);
  color: var(--teal-light);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 24px;
}

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

@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.8); }
}

.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.03em;
  line-height: 1.08;
  margin-bottom: 20px;
}

.hero-title em {
  font-style: normal;
  background: linear-gradient(90deg, var(--teal-light), var(--teal));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-subtitle {
  font-size: clamp(1rem, 2vw, 1.15rem);
  color: rgba(255,255,255,0.72);
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 480px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

/* Trust indicators */
.hero-trust {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.60);
  font-size: 0.85rem;
}

.trust-item svg {
  color: var(--teal);
  width: 16px;
  height: 16px;
  flex-shrink: 0;
}

/* Card de simulação no hero */
.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  padding: 36px;
  backdrop-filter: blur(20px);
}

.hero-card-title {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}

.hero-card-sub {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 28px;
}

/* Preços no hero card */
.price-block {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 20px;
}

.price-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.50);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 4px;
}

.price-value {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}

.price-value sup {
  font-size: 1rem;
  font-weight: 600;
  vertical-align: top;
  margin-top: 6px;
  display: inline-block;
}

.price-value span {
  font-size: 0.9rem;
  font-weight: 400;
  color: rgba(255,255,255,0.50);
}

.price-note {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  margin-top: 6px;
}

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

.coverage-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.80);
}

.coverage-item svg {
  width: 16px;
  height: 16px;
  color: var(--teal);
  flex-shrink: 0;
}

/* ============================================================
   COMO FUNCIONA
   ============================================================ */
.how-it-works {
  background: var(--gray-50);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  margin-top: 56px;
  position: relative;
}

/* Linha conectora entre steps */
.steps-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: calc(12.5% + 20px);
  right: calc(12.5% + 20px);
  height: 2px;
  background: linear-gradient(90deg, var(--teal-mid), var(--teal));
  z-index: 0;
}

.step-card {
  position: relative;
  text-align: center;
  z-index: 1;
}

.step-number {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--gradient);
  color: var(--white);
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 4px 20px rgba(20,152,184,0.35);
  position: relative;
  z-index: 1;
}

.step-title {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.step-desc {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.65;
}

/* ============================================================
   BENEFÍCIOS
   ============================================================ */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 56px;
}

.benefit-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: var(--transition);
}

.benefit-card:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.benefit-icon {
  width: 52px;
  height: 52px;
  background: var(--teal-pale);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.benefit-icon svg {
  width: 26px;
  height: 26px;
  color: var(--teal);
}

.benefit-title {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.benefit-desc {
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.7;
}

/* ============================================================
   BLOCO DE CONFIANÇA
   ============================================================ */
.trust-section {
  background: var(--gradient);
  color: var(--white);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  text-align: center;
}

.trust-stat {
  padding: 8px;
}

.trust-stat-value {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.8rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 8px;
}

.trust-stat-label {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.5;
}

/* ============================================================
   COBERTURAS (Preview na homepage)
   ============================================================ */
.coverage-preview {
  background: var(--white);
}

.coverage-preview-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  margin-top: 56px;
}

.coverage-preview-image {
  background: var(--gradient);
  border-radius: var(--radius-xl);
  padding: 48px 40px;
  color: var(--white);
}

.coverage-highlight-price {
  font-family: var(--font-display);
  font-size: 3.5rem;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 4px;
}

.coverage-highlight-label {
  font-size: 0.95rem;
  opacity: 0.75;
  margin-bottom: 32px;
}

.coverage-base-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.coverage-base-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.95rem;
}

.coverage-base-item svg {
  width: 18px;
  height: 18px;
  color: var(--teal-light);
  flex-shrink: 0;
}

.coverage-extras {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.coverage-extra-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: var(--gray-50);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  transition: var(--transition);
}

.coverage-extra-item:hover {
  border-color: var(--teal);
  background: var(--teal-pale);
}

.coverage-extra-icon {
  width: 40px;
  height: 40px;
  background: var(--teal-pale);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.coverage-extra-icon svg {
  width: 20px;
  height: 20px;
  color: var(--teal);
}

.coverage-extra-name {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 2px;
}

.coverage-extra-desc {
  font-size: 0.85rem;
  color: var(--text-muted);
}

/* ============================================================
   FAQ
   ============================================================ */
.faq-section {
  background: var(--gray-50);
}

.faq-list {
  margin-top: 48px;
  max-width: 780px;
  margin-left: auto;
  margin-right: auto;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: var(--transition);
}

.faq-item:hover {
  border-color: var(--teal);
}

.faq-item.open {
  border-color: var(--teal);
  box-shadow: var(--shadow-sm);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  cursor: pointer;
  font-family: var(--font-display);
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--navy);
  user-select: none;
}

.faq-icon {
  width: 28px;
  height: 28px;
  background: var(--teal-pale);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--transition);
}

.faq-icon svg {
  width: 14px;
  height: 14px;
  color: var(--teal);
  transition: var(--transition);
}

.faq-item.open .faq-icon {
  background: var(--teal);
}

.faq-item.open .faq-icon svg {
  color: var(--white);
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.faq-answer-inner {
  padding: 0 24px 20px;
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.75;
}

/* ============================================================
   CONTACTO
   ============================================================ */
.contact-section {
  background: var(--white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
  margin-top: 56px;
}

.contact-info h3 {
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 16px;
}

.contact-info p {
  color: var(--text-secondary);
  line-height: 1.75;
  margin-bottom: 32px;
}

.contact-items {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 16px;
}

.contact-item-icon {
  width: 44px;
  height: 44px;
  background: var(--teal-pale);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-item-icon svg {
  width: 20px;
  height: 20px;
  color: var(--teal);
}

.contact-item-label {
  font-size: 0.8rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 2px;
}

.contact-item-value {
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
}

/* Formulário de contacto */
.contact-form {
  background: var(--gray-50);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px;
}

/* ============================================================
   FORMULÁRIOS
   ============================================================ */
.form-group {
  margin-bottom: 20px;
}

.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}

.form-label .required {
  color: var(--red);
  margin-left: 2px;
}

.form-control {
  width: 100%;
  padding: 12px 16px;
  font-size: 0.95rem;
  color: var(--text-primary);
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  outline: none;
  appearance: none;
  -webkit-appearance: none;
}

.form-control:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(20,152,184,0.12);
}

.form-control:disabled {
  background: var(--gray-100);
  color: var(--text-muted);
  cursor: not-allowed;
}

.form-control.is-invalid {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(239,68,68,0.10);
}

.form-control.is-valid {
  border-color: var(--green);
}

select.form-control {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2364748B' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 40px;
  cursor: pointer;
}

textarea.form-control {
  resize: vertical;
  min-height: 120px;
}

.form-error {
  font-size: 0.8rem;
  color: var(--red);
  margin-top: 6px;
  display: none;
}

.form-error.visible { display: block; }

.form-hint {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 6px;
}

/* Checkboxes e radios customizados */
.form-check {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
}

.form-check-input {
  width: 20px;
  height: 20px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--white);
  flex-shrink: 0;
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
  transition: var(--transition);
  margin-top: 2px;
}

.form-check-input:checked {
  background: var(--teal);
  border-color: var(--teal);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
  background-size: 12px;
}

.form-check-input[type="radio"] {
  border-radius: 50%;
}

.form-check-input[type="radio"]:checked {
  background-image: none;
  box-shadow: inset 0 0 0 4px var(--teal), inset 0 0 0 9px white;
  background: var(--teal);
}

.form-check-label {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

/* Grupo de opções (radio buttons visuais) */
.option-group {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.option-btn {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 18px;
  border: 2px solid var(--border);
  border-radius: var(--radius-md);
  background: var(--white);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-600);
  cursor: pointer;
  transition: var(--transition);
  user-select: none;
}

.option-btn:hover {
  border-color: var(--teal);
  color: var(--teal);
}

.option-btn.selected {
  border-color: var(--teal);
  background: var(--teal-pale);
  color: var(--teal);
  font-weight: 600;
}

/* ============================================================
   ALERTAS / MENSAGENS
   ============================================================ */
.alert {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 16px 20px;
  border-radius: var(--radius-md);
  font-size: 0.92rem;
  line-height: 1.6;
}

.alert svg { width: 20px; height: 20px; flex-shrink: 0; margin-top: 1px; }

.alert--success {
  background: var(--green-light);
  color: #065f46;
  border: 1px solid #a7f3d0;
}

.alert--error {
  background: var(--red-light);
  color: #991b1b;
  border: 1px solid #fca5a5;
}

.alert--info {
  background: var(--teal-pale);
  color: var(--navy);
  border: 1px solid var(--teal-mid);
}

.alert--warning {
  background: #fffbeb;
  color: #92400e;
  border: 1px solid #fcd34d;
}

/* ============================================================
   CARDS GENÉRICOS
   ============================================================ */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.card--highlighted {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(20,152,184,0.08);
}

/* ============================================================
   BADGES
   ============================================================ */
.badge {
  display: inline-flex;
  align-items: center;
  padding: 4px 10px;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.03em;
}

.badge-novo      { background: #dbeafe; color: #1e40af; }
.badge-analise   { background: #fef3c7; color: #92400e; }
.badge-aprovado  { background: var(--green-light); color: #065f46; }
.badge-recusado  { background: var(--red-light); color: #991b1b; }
.badge-emitido   { background: #ede9fe; color: #4c1d95; }

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section {
  background: var(--navy);
  padding: 80px 0;
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}

.cta-text h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 10px;
}

.cta-text p {
  color: rgba(255,255,255,0.65);
  font-size: 1.05rem;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.75);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.10);
}

.footer-brand .site-logo {
  margin-bottom: 16px;
}

.footer-brand .logo-text strong { color: var(--white); }
.footer-brand .logo-text span   { color: var(--teal); }

.footer-desc {
  font-size: 0.9rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.55);
  margin-bottom: 24px;
  max-width: 280px;
}

.footer-social {
  display: flex;
  gap: 10px;
}

.social-link {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  color: rgba(255,255,255,0.60);
}

.social-link:hover {
  background: var(--teal);
  color: var(--white);
}

.social-link svg { width: 16px; height: 16px; }

.footer-col-title {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--white);
  margin-bottom: 20px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.55);
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--teal-light);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 20px 0;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.40);
  flex-wrap: wrap;
}

.footer-bottom a {
  color: rgba(255,255,255,0.40);
}

.footer-bottom a:hover { color: var(--teal); }

/* ============================================================
   AVISO DE COOKIES
   ============================================================ */
.cookie-banner {
  position: fixed;
  bottom: 20px;
  left: 20px;
  right: 20px;
  max-width: 500px;
  background: var(--navy-deep);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-xl);
  z-index: 9999;
  display: none;
}

.cookie-banner.visible { display: block; }

.cookie-banner p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.65;
  margin-bottom: 16px;
}

.cookie-banner p a {
  color: var(--teal-light);
}

.cookie-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

/* ============================================================
   UTILITÁRIOS
   ============================================================ */
.d-flex { display: flex; }
.d-grid { display: grid; }
.align-center { align-items: center; }
.justify-between { justify-content: space-between; }
.justify-center { justify-content: center; }
.gap-4 { gap: 16px; }
.gap-6 { gap: 24px; }
.gap-8 { gap: 32px; }
.mt-4 { margin-top: 16px; }
.mt-6 { margin-top: 24px; }
.mt-8 { margin-top: 32px; }
.mb-4 { margin-bottom: 16px; }
.mb-6 { margin-bottom: 24px; }
.mb-8 { margin-bottom: 32px; }

.divider {
  height: 1px;
  background: var(--border);
  margin: 32px 0;
}

/* Spinner de loading */
.spinner {
  width: 20px;
  height: 20px;
  border: 2px solid rgba(255,255,255,0.3);
  border-top-color: white;
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
  display: inline-block;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

/* Animação de entrada */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}

.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Highlight de preço */
.price-tag {
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
  font-family: var(--font-display);
}

.price-tag .amount {
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
}

.price-tag .currency {
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
}

.price-tag .period {
  font-size: 0.9rem;
  color: var(--text-muted);
}

/* ============================================================
   PÁGINA: Breadcrumb
   ============================================================ */
.page-hero {
  background: var(--gradient);
  padding: 100px 0 60px;
  text-align: center;
}

.page-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 12px;
}

.page-hero p {
  color: rgba(255,255,255,0.75);
  font-size: 1.05rem;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  justify-content: center;
  margin-top: 16px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
}

.breadcrumb a { color: rgba(255,255,255,0.70); }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb-sep { opacity: 0.4; }

/* ============================================================
   PRINT
   ============================================================ */
@media print {
  .site-header, .site-footer, .cookie-banner, .cta-section,
  .btn, .menu-toggle, .mobile-nav { display: none !important; }

  body { background: white; color: #000; }
  .container { max-width: 100%; }

  .print-header {
    display: flex !important;
    align-items: center;
    gap: 12px;
    padding-bottom: 16px;
    border-bottom: 2px solid #0B3D5E;
    margin-bottom: 24px;
  }

  .print-title {
    font-size: 1.2rem;
    font-weight: 700;
    color: #0B3D5E;
  }

  .print-section {
    margin-bottom: 24px;
    page-break-inside: avoid;
  }
}

.print-header { display: none; }

/* ============================================================
   RESPONSIVIDADE — TABLET (≤ 1024px)
   ============================================================ */
@media (max-width: 1024px) {
  .hero-content {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .hero-card { max-width: 480px; }

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

  .steps-grid::before { display: none; }

  .benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
  }

  .coverage-preview-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }

  .cta-inner {
    flex-direction: column;
    text-align: center;
  }

  .contact-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

/* ============================================================
   RESPONSIVIDADE — MOBILE (≤ 768px)
   ============================================================ */
@media (max-width: 768px) {
  .section { padding: 60px 0; }
  .section--lg { padding: 80px 0; }

  /* Header mobile */
  .site-nav { display: none; }
  .header-cta .btn { display: none; }
  .menu-toggle { display: flex; }

  .header-cta .btn--primary { display: inline-flex; padding: 10px 16px; font-size: 0.85rem; }

  /* Hero */
  .hero { min-height: auto; padding: 120px 0 60px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { justify-content: center; }
  .hero-trust { flex-direction: column; align-items: flex-start; gap: 12px; }
  .hero-card { padding: 24px; }

  /* Steps */
  .steps-grid { grid-template-columns: 1fr; }

  /* Benefits */
  .benefits-grid { grid-template-columns: 1fr; gap: 16px; }

  /* Trust */
  .trust-grid { grid-template-columns: repeat(2, 1fr); }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; align-items: center; text-align: center; }

  /* CTA */
  .cta-inner { flex-direction: column; text-align: center; }

  /* Formulários */
  .option-group { flex-direction: column; }

  /* Cookie */
  .cookie-banner { left: 12px; right: 12px; bottom: 12px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero-title { font-size: 2.2rem; }
  .trust-grid { grid-template-columns: 1fr; }
  .contact-form { padding: 24px 20px; }
}

/* ============================================================
   PÁGINAS LEGAIS E FAQ — Estilos adicionais
   ============================================================ */

/* Documento legal */
.legal-doc {
  max-width: 100%;
}

.legal-intro {
  background: var(--teal-pale);
  border: 1px solid var(--teal-mid);
  border-left: 4px solid var(--teal);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  margin-bottom: 40px;
  font-size: 1rem;
  line-height: 1.75;
  color: var(--navy);
}

.legal-section {
  margin-bottom: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid var(--gray-100);
}

.legal-section:last-child {
  border-bottom: none;
  margin-bottom: 0;
}

.legal-section h2 {
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--teal-pale);
}

.legal-section h3 {
  font-size: 1rem;
  color: var(--navy);
  margin: 20px 0 10px;
  font-weight: 600;
}

.legal-section p {
  color: var(--text-secondary);
  line-height: 1.8;
  margin-bottom: 12px;
}

.legal-section p:last-child { margin-bottom: 0; }

.legal-section a { color: var(--teal); font-weight: 500; }
.legal-section a:hover { color: var(--navy); }

.legal-list {
  margin: 12px 0 16px 0;
  padding-left: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.legal-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.7;
  padding-left: 16px;
  position: relative;
}

.legal-list li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}

.legal-note {
  background: #fffbeb;
  border: 1px solid #fcd34d;
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-size: 0.88rem;
  color: #92400e;
  margin-top: 14px;
}

/* Tabela legal */
.legal-table {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin: 14px 0;
}

.legal-table-row {
  display: grid;
  grid-template-columns: 1fr 2fr;
  border-bottom: 1px solid var(--border);
}

.legal-table-row:last-child { border-bottom: none; }

.legal-table-row.legal-table-header {
  background: var(--navy);
  color: var(--white);
  font-weight: 600;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.legal-table-row span {
  padding: 12px 16px;
  font-size: 0.9rem;
  color: var(--text-secondary);
}

.legal-table-row span:first-child {
  background: var(--gray-50);
  color: var(--navy);
  font-weight: 600;
  border-right: 1px solid var(--border);
}

.legal-table-row.legal-table-header span {
  background: transparent !important;
  color: var(--white) !important;
  border-color: rgba(255,255,255,0.2) !important;
}

/* Tabela de cookies */
.cookie-table {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin: 14px 0;
}

.cookie-table-header,
.cookie-table-row {
  display: grid;
  grid-template-columns: 1fr 2fr 1fr;
  border-bottom: 1px solid var(--border);
}

.cookie-table-row:last-child { border-bottom: none; }

.cookie-table-header {
  background: var(--navy);
}

.cookie-table-header span {
  padding: 10px 14px;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--white);
  border-right: 1px solid rgba(255,255,255,0.15);
}

.cookie-table-header span:last-child { border-right: none; }

.cookie-table-row span {
  padding: 12px 14px;
  font-size: 0.88rem;
  color: var(--text-secondary);
  border-right: 1px solid var(--border);
  line-height: 1.6;
}

.cookie-table-row span:last-child { border-right: none; }
.cookie-table-row span:first-child { font-weight: 600; background: var(--gray-50); color: var(--navy); }

code {
  background: var(--gray-100);
  color: var(--navy);
  padding: 2px 6px;
  border-radius: 4px;
  font-size: 0.85em;
  font-family: monospace;
}

@media (max-width: 768px) {
  .legal-table-row { grid-template-columns: 1fr; }
  .legal-table-row span:first-child { border-right: none; border-bottom: 1px solid var(--border); }
  .cookie-table-header, .cookie-table-row { grid-template-columns: 1fr; }
  .cookie-table-header span { border-right: none; }
  .cookie-table-row span { border-right: none; border-bottom: 1px solid var(--border); }
  .cookie-table-row span:last-child { border-bottom: none; }
}

.hidden { display: none !important; }