/* ============================================================
   OCTAGON — Design System oficial
   Fonte de verdade: clients/Octagon/design-system/
   Um azul (#156AF7), uma fonte (Manrope), canvas branco puro,
   sombras de tinta, motion mínimo.
   ============================================================ */

:root {
  /* Brand (azul único) */
  --brand-50:  #E9F1FE;
  --brand-100: #D3E4FD;
  --brand-200: #A8C9FC;
  --brand-300: #7CACFA;
  --brand-400: #4A88F8;
  --brand-500: #2676F7;
  --brand-600: #156AF7;
  --brand-700: #1050C4;
  --brand-800: #0F33A5;
  --brand-900: #0B2470;

  /* Ink (texto) */
  --ink-900: #0A0A0A;
  --ink-700: #2A2A2A;
  --ink-600: #424242;
  --ink-500: #6E6E6E;
  --ink-400: #9C9B9B;
  --ink-300: #C0C4C9;
  --ink-200: #D0D7DD;
  --ink-100: #ECEEF1;

  /* Superfícies */
  --paper:     #FFFFFF;
  --surface:   #F5F6F7;
  --line:      #D0D7DD;
  --line-soft: #ECEEF1;

  /* Semânticas */
  --success-100: #E2F5EC; --success-600: #1F9D6B;
  --warn-100:    #FBF2DC; --warn-600:    #C08415;
  --danger-100:  #FAE4E2; --danger-600:  #C8382F;

  /* Aliases legados (usados em estilos inline do build) */
  --muted: var(--ink-600);
  --faint: var(--ink-500);

  /* Métricas */
  --maxw:      1200px;
  --reading:   680px;
  --gap:       clamp(16px, 3vw, 24px);
  --radius-xs: 4px;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;

  /* Sombras (tinta, nunca coloridas) */
  --shadow-xs: 0 1px 2px rgba(10,10,10,0.04);
  --shadow-sm: 0 1px 3px rgba(10,10,10,0.06), 0 1px 2px rgba(10,10,10,0.04);
  --shadow-md: 0 4px 12px rgba(10,10,10,0.06), 0 2px 4px rgba(10,10,10,0.04);
  --shadow-lg: 0 12px 32px rgba(10,10,10,0.08), 0 4px 8px rgba(10,10,10,0.04);

  /* Motion */
  --dur-xs: 80ms;
  --dur-sm: 160ms;
  --dur-md: 240ms;
  --dur-lg: 480ms;
  --ease-out: cubic-bezier(0.22, 1, 0.36, 1);
  --ease-std: cubic-bezier(0.4, 0, 0.2, 1);

  --font: "Manrope", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --ring: 0 0 0 2px var(--paper), 0 0 0 4px rgba(21,106,247,0.40);
}

/* ---------- Reset ---------- */
*,*::before,*::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
[id] { scroll-margin-top: 88px; }
body {
  font-family: var(--font);
  background: var(--paper);
  color: var(--ink-900);
  line-height: 1.5;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img,svg,video { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }
ul { list-style: none; padding: 0; }
::selection { background: var(--brand-600); color: #fff; }
:focus-visible { outline: none; box-shadow: var(--ring); border-radius: var(--radius-xs); }
main:focus { outline: none; }
.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 200;
  background: var(--brand-600); color: #fff; padding: 10px 16px;
  border-radius: 9999px; font-weight: 600; font-size: .9375rem;
  transition: top var(--motion-2, .16s) ease;
}
.skip-link:focus { top: 12px; }

/* ---------- Tipografia ---------- */
h1,h2,h3,h4 { font-weight: 700; letter-spacing: -0.015em; color: var(--ink-900); }
h1 { font-size: clamp(2.5rem, 4.6vw, 3.5rem); line-height: 1.11; font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.75rem, 2.9vw, 2.375rem); line-height: 1.22; letter-spacing: -0.02em; }
h3 { font-size: 1.25rem; line-height: 1.4; }
h4 { font-size: 1.25rem; line-height: 1.4; }
p  { color: var(--ink-700); }
.lead { font-size: 1.125rem; line-height: 1.56; color: var(--ink-600); }
strong { color: var(--ink-900); font-weight: 700; }

/* ---------- Layout ---------- */
.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gap); }
.section { padding-block: clamp(64px, 8vw, 96px); position: relative; }
.section--tight { padding-block: clamp(48px, 5vw, 64px); }
/* Ritmo de fundos: seções alternadas em cinza-superfície */
.section--alt { background: var(--surface); }
.section--alt .card, .section--alt .faq details, .section--alt .post-card { background: var(--paper); }
.section--alt .sol-row:hover { background: var(--paper); }
.section--alt .pill { border-bottom-color: var(--line); }
/* Grade de pontos sutil (padrão do DS) atrás de seções institucionais */
.section--dots::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(var(--ink-200) 1.2px, transparent 1.2px);
  background-size: 26px 26px; opacity: 0.5;
  -webkit-mask-image: radial-gradient(ellipse 70% 85% at 50% 50%, #000 25%, transparent 78%);
  mask-image: radial-gradient(ellipse 70% 85% at 50% 50%, #000 25%, transparent 78%);
}
.section--dots .wrap { position: relative; }
.eyebrow {
  font-size: 0.6875rem; letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--brand-600); font-weight: 600; line-height: 1.45;
  display: inline-flex; align-items: center;
}
.section-head { max-width: 760px; margin-bottom: clamp(32px, 4.5vw, 48px); }
.section-head .eyebrow { margin-bottom: 16px; }
.section-head p { margin-top: 20px; }
.section-head h2 { margin-top: 0; }
.section-head .eyebrow + h2 { margin-top: 0; }
/* Cabeça de seção editorial: título à esquerda, lead à direita */
.section-head--split { display: grid; grid-template-columns: 1.2fr 1fr; gap: 24px 64px; align-items: end; max-width: none; }
.section-head--split .lead { margin: 0 0 4px; max-width: 44ch; }

/* ---------- Botões ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 32px; border-radius: 9999px; font-weight: 600;
  font-size: 1rem; letter-spacing: 0;
  border: 1px solid transparent; user-select: none;
  transition: background var(--dur-sm) var(--ease-out), color var(--dur-sm) var(--ease-out),
              border-color var(--dur-sm) var(--ease-out), transform var(--dur-xs) var(--ease-std);
  white-space: nowrap;
}
.btn:active { transform: scale(0.98); }
.btn:focus-visible { box-shadow: var(--ring); border-radius: 9999px; }
.btn--primary { background: var(--brand-600); color: #fff; }
.btn--primary:hover { background: var(--brand-700); }
.btn--secondary { background: var(--surface); color: var(--ink-900); border-color: var(--line); }
.btn--secondary:hover { border-color: var(--ink-300); }
.btn--ghost { background: transparent; color: var(--ink-900); border-color: var(--line); }
.btn--ghost:hover { background: var(--ink-100); }
/* Cor do mundo investidor: navy brand-900 (segunda cor institucional) */
.btn--navy { background: var(--brand-900); color: #fff; }
.btn--navy:hover { background: #081B55; }
.btn--sm { padding: 10px 20px; font-size: 0.875rem; }
.btn .arrow { transition: transform var(--dur-sm) var(--ease-out); }
.btn:hover .arrow { transform: translateX(3px); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--paper);
  border-bottom: 1px solid transparent;
  transition: background var(--dur-md) var(--ease-out), border-color var(--dur-md) var(--ease-out),
              box-shadow var(--dur-md) var(--ease-out);
}
.site-header.stuck {
  background: rgba(245,246,247,0.95);
  backdrop-filter: blur(8px);
  border-bottom-color: var(--line-soft);
  box-shadow: var(--shadow-xs);
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 32px; height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; color: var(--ink-900); }
.brand .mark { height: 26px; width: auto; flex: none; color: var(--brand-600); }
.brand .mark path { stroke: currentColor; }
.brand .wordmark { font-weight: 800; font-size: 1.375rem; letter-spacing: -0.03em; line-height: 1; }
.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a { font-size: 0.9375rem; color: var(--ink-700); font-weight: 500; transition: color var(--dur-xs) var(--ease-std); position: relative; }
.nav-links a:hover { color: var(--ink-900); }
.nav-links a[aria-current="page"] { color: var(--ink-900); }
.nav-links a[aria-current="page"]::after { content:""; position:absolute; left:0; right:0; bottom:-8px; height:2px; background:var(--brand-600); }
/* Submenu do header (itens com seções internas) */
.nav-item { position: relative; display: inline-flex; align-items: center; height: 72px; }
.nav-item > a { display: inline-flex; align-items: center; gap: 6px; }
.nav-item .chev { flex: none; transition: transform var(--dur-sm) var(--ease-out); }
.nav-item:hover .chev, .nav-item:focus-within .chev { transform: rotate(180deg); }
.sub-menu {
  position: absolute; top: calc(100% + 1px); left: -14px; min-width: 260px; z-index: 110;
  background: var(--paper); border: 1px solid var(--line-soft); border-radius: var(--radius-md);
  box-shadow: var(--shadow-md); padding: 8px;
  opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity var(--dur-sm) var(--ease-out), transform var(--dur-sm) var(--ease-out),
              visibility 0s linear var(--dur-sm);
}
.nav-item:hover .sub-menu, .nav-item:focus-within .sub-menu {
  opacity: 1; visibility: visible; transform: none; transition-delay: 0s;
}
.sub-menu a { display: block; padding: 10px 12px; border-radius: var(--radius-sm); }
.sub-menu a:hover { background: var(--surface); }
.sub-menu a[aria-current="page"] { color: var(--ink-900); font-weight: 600; }
.sub-menu a[aria-current="page"]::after { display: none; }
.nav-cta { display: flex; align-items: center; gap: 16px; }
.nav-cta .login { font-size: 0.875rem; color: var(--ink-600); font-weight: 500; display: inline-flex; align-items: center; gap: 7px; }
.nav-cta .login:hover { color: var(--ink-900); }
.nav-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: var(--radius-md); width: 44px; height: 44px; color: var(--ink-900); align-items: center; justify-content: center; }
.drawer-cta { display: none; }
.scroll-progress { position: absolute; left: 0; bottom: -1px; height: 2px; width: 0; background: var(--brand-600); z-index: 101; }

/* ---------- Hero (home) ---------- */
.hero { position: relative; padding-block: clamp(64px, 8vw, 96px); overflow: hidden; background: var(--paper); }
.hero::before {
  content: ""; position: absolute; top: -10%; left: 10%; width: 80%; height: 60%;
  background: radial-gradient(ellipse at center, #EAF0FD 0%, transparent 60%);
  opacity: 0.4; pointer-events: none;
}
.hero .wrap { position: relative; z-index: 1; }
.hero-overline { display: inline-flex; margin-bottom: 24px; }
.hero h1 { max-width: 23ch; font-size: clamp(2.4rem, 4vw, 3.5rem); line-height: 1.08; }
.hero-lead { max-width: 520px; margin-top: 24px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 40px; }

/* Visual do hero: textura azul de assinatura */
.hero-visual { position: relative; max-width: 440px; margin-inline: auto; }
.hero-visual img { aspect-ratio: 4/5; width: 100%; object-fit: cover; border-radius: var(--radius-lg); background: var(--ink-100); }
/* Variante da home: sangra até a borda direita da tela */
.hero-visual--bleed { max-width: none; margin-inline: 0; margin-right: calc((100vw - min(100vw - 2 * var(--gap), var(--maxw))) / -2); }
.hero-visual--bleed img { aspect-ratio: auto; height: clamp(440px, 46vw, 640px); border-radius: var(--radius-lg) 0 0 var(--radius-lg); }
.hero-visual--bleed .hero-visual-cap { left: -24px; bottom: 40px; }
/* Moldura interna: recorta o sangramento do recorte sem cortar o caption */
.hero-visual-frame { display: block; position: relative; overflow: hidden; border-radius: var(--radius-lg) 0 0 var(--radius-lg); }
/* Recorte sobre a textura: mãos e documento em duotone navy */
.hero-visual--bleed img.hero-cut {
  position: absolute; left: -2%; bottom: -8%;
  width: 104%; height: auto; aspect-ratio: auto;
  object-fit: contain; border-radius: 0; background: none;
  pointer-events: none; user-select: none;
  animation: hero-cut-in 480ms var(--ease-out) both,
             hero-cut-float 7s ease-in-out 480ms infinite;
}
@keyframes hero-cut-in { from { opacity: 0; transform: translateY(32px); } to { opacity: 1; transform: translateY(0); } }
@keyframes hero-cut-float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-7px); } }
.hero-visual-cap {
  position: absolute; left: -20px; bottom: 28px;
  background: var(--paper); border: 1px solid var(--line-soft); border-radius: var(--radius-md);
  box-shadow: var(--shadow-md); padding: 16px 20px; max-width: 240px;
}
.hero-visual-cap b { display: block; font-size: 2rem; font-weight: 800; letter-spacing: -0.02em; color: var(--brand-600); line-height: 1; }
.hero-visual-cap span { display: block; margin-top: 6px; font-size: 0.875rem; color: var(--ink-600); line-height: 1.4; }

/* ---------- Faixa de stats (fundo brand-900) ---------- */
.stat-band { background: var(--brand-900); }
.stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: clamp(28px, 4vw, 48px) 24px; border-left: 1px solid rgba(255,255,255,0.14); }
.stat:first-child { border-left: none; }
.stat .num { font-size: clamp(2.1rem, 3.6vw, 3.25rem); color: #fff; font-weight: 300; letter-spacing: -0.02em; line-height: 1.05; white-space: nowrap; }
.stat .num .u { color: var(--brand-200); }
.stat .lbl { color: var(--brand-200); font-size: 0.9375rem; margin-top: 10px; }

/* ---------- Split editorial (dois públicos) ---------- */
.split { display: grid; grid-template-columns: 1fr 96px 1fr; align-items: start; }
.split-side { padding-block: 8px; }
.split-n { display: block; font-size: clamp(2.75rem, 4vw, 3.5rem); font-weight: 300; color: var(--ink-300); line-height: 1; letter-spacing: -0.02em; margin-bottom: 28px; }
.split-side .tag { font-size: 0.6875rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--brand-600); font-weight: 600; }
.split-side h3 { margin: 14px 0 12px; font-size: clamp(1.375rem, 2.4vw, 1.875rem); line-height: 1.22; max-width: 22ch; }
.split-side > p { color: var(--ink-600); max-width: 46ch; }
.split-connector { position: relative; align-self: stretch; display: flex; align-items: center; justify-content: center; min-height: 320px; }
.split-connector::before { content: ""; position: absolute; top: 8px; bottom: 8px; left: 50%; border-left: 1px dashed var(--ink-200); }
.split-node { position: relative; width: 52px; height: 52px; border-radius: 50%; background: var(--paper); border: 1px solid var(--line); box-shadow: var(--shadow-sm); display: grid; place-content: center; }
.split-node .mark { height: 22px; width: auto; color: var(--brand-600); }
.split-node .mark path { stroke: currentColor; }
ul.checks { margin: 22px 0 28px; display: grid; gap: 12px; }
ul.checks li { display: flex; gap: 10px; color: var(--ink-600); font-size: 0.9375rem; }
ul.checks li::before {
  content:""; flex:none; width:18px; height:18px; margin-top:2px; background: var(--brand-600);
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat;
}

/* ---------- Índice editorial de soluções ---------- */
.sol-index { border-top: 1px solid var(--line-soft); }
.sol-row { display: grid; grid-template-columns: 96px 1fr auto; gap: 24px; align-items: center; padding: 28px 12px; border-bottom: 1px solid var(--line-soft); transition: background var(--dur-sm) var(--ease-out); }
.sol-row:focus-visible { box-shadow: var(--ring); }
.sol-row:hover { background: var(--surface); }
.sol-n { font-size: 1.75rem; font-weight: 300; color: var(--ink-300); letter-spacing: -0.01em; }
.sol-body h3 { font-size: clamp(1.25rem, 1.8vw, 1.5rem); transition: color var(--dur-sm) var(--ease-out); }
.sol-body p { color: var(--ink-600); font-size: 0.9375rem; margin-top: 6px; max-width: 62ch; }
.sol-row:hover .sol-body h3 { color: var(--brand-600); }
.sol-arrow { color: var(--ink-300); font-size: 1.375rem; transition: transform var(--dur-sm) var(--ease-out), color var(--dur-sm) var(--ease-out); }
.sol-row:hover .sol-arrow { color: var(--brand-600); transform: translateX(4px); }

/* ---------- Cards ---------- */
.grid { display: grid; gap: 24px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.card {
  position: relative; border: 1px solid var(--line-soft); border-radius: var(--radius-lg);
  padding: clamp(26px, 3vw, 32px); background: var(--surface);
  transition: box-shadow var(--dur-md) var(--ease-out);
  display: flex; flex-direction: column; gap: 12px;
}
.card:hover { box-shadow: var(--shadow-xs); }
a.card:focus-visible { box-shadow: var(--ring); }
.card .ico {
  width: 40px; height: 40px; border-radius: var(--radius-md);
  background: var(--brand-100); display: grid; place-content: center; margin-bottom: 8px;
}
.card .ico svg { width: 20px; height: 20px; stroke: var(--brand-600); fill: none; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.card h3 { font-size: 1.25rem; }
.card p { color: var(--ink-600); font-size: 0.9375rem; flex: 1; }
.card .more { font-weight: 600; font-size: 0.9375rem; color: var(--brand-600); display: inline-flex; align-items: center; gap: 8px; margin-top: 8px; }
.card:hover .more { color: var(--brand-700); }
.card .more .arrow { transition: transform var(--dur-sm) var(--ease-out); }
.card:hover .more .arrow { transform: translateX(3px); }
.card .eyebrow { margin-bottom: 0; }

/* ---------- Comparação (anti-banco) ---------- */
.compare { border: 1px solid var(--line-soft); border-radius: var(--radius-lg); overflow: hidden; background: var(--paper); }
.compare-row { display: grid; grid-template-columns: 1.4fr 1fr 1fr; align-items: stretch; }
.compare-row + .compare-row { border-top: 1px solid var(--line-soft); }
.compare-cell { padding: 20px 24px; }
.compare-head { background: var(--surface); }
.compare-head .compare-cell { font-weight: 700; color: var(--ink-900); }
.compare-head .oct-col { color: var(--brand-600); }
.compare-row .label { color: var(--ink-700); font-size: 0.9375rem; font-weight: 500; }
.compare-row .bank { color: var(--ink-500); font-size: 0.9375rem; border-left: 1px solid var(--line-soft); }
.compare-row .oct { color: var(--ink-900); font-size: 0.9375rem; border-left: 1px solid var(--line-soft); background: var(--brand-50); display: flex; gap: 8px; }
.compare-row .oct::before {
  content:""; flex:none; width:16px; height:16px; margin-top:3px; background: var(--brand-600);
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2.5'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2.5'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat;
}

/* ---------- Fluxo da operação (motivo de 5 pontos) ---------- */
.flow { display: grid; grid-template-columns: repeat(5, 1fr); gap: 32px; position: relative; counter-reset: none; list-style: none; padding: 0; }
.flow::before { content: ""; position: absolute; top: 8px; left: 8px; right: 8px; border-top: 1px dashed var(--ink-200); }
.flow li { position: relative; padding-top: 40px; }
.flow li::before {
  content: ""; position: absolute; top: 0; left: 0; width: 17px; height: 17px; border-radius: 50%;
  background: var(--brand-600); border: 1.5px solid var(--brand-600); box-sizing: border-box;
}
.flow h4 { font-size: 1rem; margin-bottom: 8px; }
.flow p { color: var(--ink-600); font-size: 0.875rem; line-height: 1.5; }

/* ---------- Painel mock (área do investidor) ---------- */
.panel { background: var(--paper); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); overflow: hidden; }
.panel-head { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 24px; border-bottom: 1px solid var(--line-soft); }
.panel-title { font-weight: 700; color: var(--ink-900); font-size: 0.9375rem; }
.panel-tag { font-size: 0.6875rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-500); font-weight: 600; }
.panel-row { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 16px 24px; border-bottom: 1px solid var(--line-soft); }
.panel-op b { display: block; color: var(--ink-900); font-weight: 700; font-size: 0.9375rem; }
.panel-op span { display: block; color: var(--ink-500); font-size: 0.8125rem; margin-top: 2px; }
.panel-val { text-align: right; flex: none; }
.panel-val b { display: block; color: var(--brand-800); font-weight: 700; font-size: 0.9375rem; white-space: nowrap; }
.panel-val .panel-badge { display: inline-flex; margin-top: 6px; padding: 2px 10px; border-radius: 9999px; background: var(--success-100); color: var(--success-600); font-size: 0.6875rem; font-weight: 600; }
.panel-foot { padding: 14px 24px; font-size: 0.75rem; color: var(--ink-500); background: var(--surface); }
.inv-band .panel h2, .inv-band .panel p { color: initial; }
.inv-metrics--band { margin-top: clamp(48px, 6vw, 72px); }

/* ---------- Faixa do investidor (fundo brand-900) ---------- */
.inv-band { background: var(--brand-900); }
.inv-band h2, .inv-band h3 { color: #fff; }
.inv-band p, .inv-band .lead { color: var(--brand-200); }
.inv-band .eyebrow { color: var(--brand-400); }
.inv-band .btn--primary { background: var(--paper); color: var(--ink-900); }
.inv-band .btn--primary:hover { background: #fff; }
.inv-band .btn--ghost { color: #fff; border: 1px solid rgba(255,255,255,0.35); }
.inv-band .btn--ghost:hover { background: rgba(255,255,255,0.10); }
.inv-metrics { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 8px; }
.inv-metric { border-left: 1px solid rgba(255,255,255,0.18); padding: 8px 28px; }
.inv-metric:first-child { border-left: none; padding-left: 0; }
.inv-metric .big { font-size: clamp(2.25rem, 3.6vw, 3.25rem); color: #fff; font-weight: 300; letter-spacing: -0.02em; line-height: 1; }
.inv-metric .cap { color: var(--brand-200); font-size: 0.9375rem; margin-top: 14px; max-width: 30ch; }
.inv-band .card { background: rgba(255,255,255,0.06); border-color: rgba(255,255,255,0.18); }
.inv-band .card p { color: var(--brand-200); }

/* ---------- Passos / processo ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.step { position: relative; padding-top: 4px; }
.step .n {
  font-size: 1rem; width: 40px; height: 40px; border-radius: 9999px;
  background: var(--brand-600); color: #fff; display: grid; place-content: center;
  font-weight: 700; margin-bottom: 16px;
}
.step h4 { font-size: 1.0625rem; margin-bottom: 8px; }
.step p { color: var(--ink-600); font-size: 0.9375rem; }

/* ---------- Selos / confiança ---------- */
.trust { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: clamp(28px, 5vw, 64px); }
.trust span { font-weight: 600; color: var(--ink-500); font-size: 0.8125rem; letter-spacing: 0.08em; text-transform: uppercase; }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 12px; max-width: 860px; }
.faq details { border: 1px solid var(--line-soft); border-radius: var(--radius-md); background: var(--surface); overflow: hidden; }
.faq summary { padding: 20px 24px; font-weight: 700; color: var(--ink-900); font-size: 1.0625rem; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 16px; cursor: pointer; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--brand-600); font-size: 1.5rem; font-weight: 400; transition: transform var(--dur-sm) var(--ease-out); }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq summary:focus-visible { box-shadow: var(--ring); border-radius: var(--radius-md); }
.faq details p { padding: 0 24px 22px; color: var(--ink-600); }

/* ---------- CTA final (painel brand-900) ---------- */
.cta-band {
  position: relative; overflow: hidden; border-radius: var(--radius-xl);
  background: var(--brand-900); padding: clamp(40px, 6vw, 72px); text-align: center;
}
.cta-band > :not(.cta-mark) { position: relative; z-index: 1; }
.cta-mark { position: absolute; top: 50%; right: -3%; transform: translateY(-50%); height: 160%; pointer-events: none; }
.cta-mark .mark { height: 100%; width: auto; color: rgba(255,255,255,0.08); }
.cta-mark .mark path { stroke: currentColor; }
.cta-band .eyebrow { color: var(--brand-400); }
.cta-band h2 { color: #fff; max-width: 20ch; margin-inline: auto; margin-top: 16px; }
.cta-band .lead { color: var(--brand-200); margin: 20px auto 0; max-width: 52ch; }
.cta-band .hero-actions { justify-content: center; }
.cta-band .btn--primary { background: var(--paper); color: var(--ink-900); }
.cta-band .btn--primary:hover { background: #fff; }
.cta-band .btn--ghost { color: #fff; border: 1px solid rgba(255,255,255,0.35); }
.cta-band .btn--ghost:hover { background: rgba(255,255,255,0.10); }

/* ---------- Footer ---------- */
.site-footer { border-top: 1px solid var(--line-soft); background: var(--surface); padding-block: clamp(48px, 6vw, 72px) 0; overflow: hidden; }
.foot-mega {
  font-weight: 800; letter-spacing: -0.04em; line-height: 0.76;
  font-size: clamp(6rem, 17.5vw, 16rem); text-align: center;
  color: var(--ink-200); opacity: 0.45; user-select: none; pointer-events: none;
  margin-top: clamp(40px, 6vw, 72px); margin-bottom: -0.14em; white-space: nowrap;
}
.foot-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; }
.foot-brand p { color: var(--ink-600); font-size: 0.9375rem; margin-top: 18px; max-width: 34ch; }
.foot-col h4 { font-size: 0.6875rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-500); font-weight: 600; margin-bottom: 16px; }
.foot-col a { display: block; color: var(--ink-600); font-size: 0.9375rem; padding: 5px 0; transition: color var(--dur-xs) var(--ease-std); }
.foot-col a:hover { color: var(--ink-900); }
.foot-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px; margin-top: 48px; padding-top: 24px; border-top: 1px solid var(--line-soft); color: var(--ink-500); font-size: 0.8125rem; }
.foot-bottom a { color: var(--ink-500); }
.foot-bottom a:hover { color: var(--ink-900); }

/* ---------- Page hero (páginas internas) ---------- */
.page-hero { position: relative; padding-block: clamp(56px, 7vw, 96px) clamp(40px, 5vw, 64px); border-bottom: 1px solid var(--line-soft); overflow: hidden; background: var(--paper); }
.page-hero::before {
  content: ""; position: absolute; top: -20%; left: 15%; width: 70%; height: 70%;
  background: radial-gradient(ellipse at center, #EAF0FD 0%, transparent 60%);
  opacity: 0.4; pointer-events: none;
}
.page-hero .wrap { position: relative; z-index: 1; }
.breadcrumb { display: flex; gap: 8px; align-items: center; font-size: 0.8125rem; color: var(--ink-500); margin-bottom: 24px; }
.breadcrumb a:hover { color: var(--ink-900); }
.breadcrumb .sep { opacity: 0.5; }
.page-hero h1 { max-width: 18ch; font-size: clamp(2.25rem, 3.8vw, 2.9rem); }
.page-hero .lead { max-width: 560px; margin-top: 20px; }
.page-hero .hero-actions { margin-top: 32px; }

/* ---------- Page hero com foto ---------- */
.ph-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(32px, 5vw, 64px); align-items: center; }
.ph-photo { margin: 0; }
.ph-photo img { width: 100%; height: clamp(300px, 30vw, 420px); object-fit: cover; border-radius: var(--radius-lg); background: var(--brand-100); }
@media (max-width: 960px) {
  .ph-grid { grid-template-columns: 1fr; }
  .ph-photo img { height: 220px; }
}

/* ---------- Faixa fotográfica full-bleed (home) ---------- */
.photo-band { position: relative; overflow: hidden; }
.photo-band img { width: 100%; height: clamp(320px, 40vw, 460px); object-fit: cover; display: block; }
.photo-band::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(11,36,112,0.82) 0%, rgba(11,36,112,0.10) 55%, transparent 100%);
  pointer-events: none;
}
.photo-band-cap { position: absolute; left: 0; right: 0; bottom: clamp(24px, 4vw, 48px); z-index: 1; }
.photo-band-cap .eyebrow { color: var(--brand-200); }
.photo-band-cap p { color: #fff; font-size: clamp(1.25rem, 2.4vw, 1.75rem); font-weight: 700; letter-spacing: -0.015em; max-width: 26ch; margin-top: 10px; line-height: 1.3; }

/* ---------- Prose (blog/legal) ---------- */
.prose { max-width: var(--reading); }
.prose h2 { font-size: clamp(1.375rem, 2.4vw, 1.75rem); margin: 44px 0 16px; }
.prose h3 { font-size: 1.25rem; margin: 32px 0 12px; }
.prose p { margin-bottom: 18px; color: var(--ink-700); }
.prose .lead { color: var(--ink-600); }
.prose ul { display: grid; gap: 10px; margin: 0 0 22px; padding-left: 4px; }
.prose ul li { display: flex; gap: 11px; color: var(--ink-700); }
.prose ul li::before { content: ""; flex: none; width: 7px; height: 7px; margin-top: 8px; background: var(--brand-600); border-radius: 50%; }
.prose a { color: var(--brand-800); text-decoration: underline; text-underline-offset: 4px; text-decoration-thickness: 1px; }
.prose a:hover { color: var(--brand-700); }
.prose blockquote { border-left: 2px solid var(--brand-600); padding: 6px 0 6px 22px; margin: 24px 0; color: var(--ink-900); font-size: 1.125rem; font-weight: 500; }

/* ---------- Lista de posts ---------- */
.post-card { border: 1px solid var(--line-soft); border-radius: var(--radius-lg); overflow: hidden; background: var(--surface); transition: box-shadow var(--dur-md) var(--ease-out); display: flex; flex-direction: column; }
.post-card:hover { box-shadow: var(--shadow-xs); }
a.post-card:focus-visible { box-shadow: var(--ring); }
.post-card .thumb { aspect-ratio: 16/9; background: var(--brand-900) url("../img/texture-blue.jpg") center/cover no-repeat; }
.post-card .body { padding: 24px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.post-card .cat { font-size: 0.6875rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--brand-600); font-weight: 600; }
.post-card h3 { font-size: 1.125rem; }
.post-card p { color: var(--ink-600); font-size: 0.9375rem; flex: 1; }
.post-card .meta { color: var(--ink-500); font-size: 0.8125rem; }
.post-card--soon { opacity: 0.75; }
.post-card--soon .thumb { filter: grayscale(0.4); }

/* ---------- Formulários ---------- */
.form { display: grid; gap: 16px; }
.form .row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 8px; }
.field label { font-size: 0.875rem; color: var(--ink-700); font-weight: 500; }
.field input, .field select, .field textarea {
  background: var(--surface); border: 1px solid var(--ink-200); border-radius: var(--radius-md);
  padding: 12px 16px; color: var(--ink-900); font-family: var(--font); font-size: 1rem;
  transition: border-color var(--dur-sm) var(--ease-out), box-shadow var(--dur-sm) var(--ease-out);
}
.field input::placeholder, .field textarea::placeholder { color: var(--ink-400); }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--brand-600); box-shadow: 0 0 0 2px rgba(21,106,247,0.40);
}
.field textarea { min-height: 120px; resize: vertical; }
.form > .btn { justify-self: start; }

/* Toggle de audiência */
.aud-toggle { display: inline-flex; border: 1px solid var(--line); border-radius: 9999px; padding: 4px; gap: 4px; background: var(--surface); }
.aud-toggle button { border-radius: 9999px; padding: 10px 22px; background: transparent; color: var(--ink-600); font-weight: 600; font-size: 0.9375rem; border: none; transition: background var(--dur-sm) var(--ease-out), color var(--dur-sm) var(--ease-out); }
.aud-toggle button.active { background: var(--brand-600); color: #fff; }

/* Contato */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-info .info-item { display: flex; gap: 14px; padding: 16px 0; border-bottom: 1px solid var(--line-soft); }
.contact-info .info-item .ico { width: 40px; height: 40px; flex: none; border-radius: var(--radius-md); background: var(--brand-100); display: grid; place-content: center; }
.contact-info .info-item .ico svg { width: 20px; height: 20px; stroke: var(--brand-600); fill: none; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.contact-info .info-item b { display: block; color: var(--ink-900); font-weight: 700; }
.contact-info .info-item span { color: var(--ink-600); font-size: 0.9375rem; }

/* Checklist editorial (ex-pills) */
.pills { display: grid; grid-template-columns: 1fr 1fr; gap: 0 48px; }
.pill { display: flex; align-items: flex-start; gap: 12px; padding: 14px 0; border-bottom: 1px solid var(--line-soft); color: var(--ink-700); font-size: 0.9375rem; }
.pill::before {
  content:""; flex:none; width:16px; height:16px; margin-top: 3px; background: var(--brand-600);
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2.5'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2.5'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat;
}
.pill b { color: var(--ink-900); font-weight: 700; margin-right: 4px; }
.two-col-text .pills { grid-template-columns: 1fr; }

/* Timeline */
.timeline { display: grid; gap: 0; }
.tl-item { display: grid; grid-template-columns: 120px 1fr; gap: 28px; padding: 24px 0; border-top: 1px solid var(--line-soft); }
.tl-item .yr { font-size: 1.5rem; color: var(--brand-600); font-weight: 700; }
.tl-item h4 { margin-bottom: 6px; }
.tl-item p { color: var(--ink-600); font-size: 0.9375rem; }

/* Utilitários */
.center { text-align: center; }
.mt-s { margin-top: 16px; } .mt-m { margin-top: 32px; } .mt-l { margin-top: 48px; }
.divider { height: 1px; background: var(--line-soft); border: none; }
.two-col-text { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 64px); align-items: start; }

/* Numerais tabulares em todo dado numérico */
.stat .num, .inv-metric .big, .panel-val b, .sol-n, .split-n, .tl-item .yr, .hero-visual-cap b { font-variant-numeric: tabular-nums; }

/* Reveal on scroll (FadeIn) */
.rv { opacity: 0; transform: translateY(8px); transition: opacity var(--dur-lg) var(--ease-out), transform var(--dur-lg) var(--ease-out); }
.rv.in { opacity: 1; transform: none; }

/* ---------- Barra de CTA fixa (mobile) ---------- */
.mobile-cta {
  display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  gap: 10px; padding: 10px var(--gap) calc(10px + env(safe-area-inset-bottom));
  background: rgba(255,255,255,0.94); backdrop-filter: blur(8px);
  border-top: 1px solid var(--line-soft);
}
.mobile-cta .btn { flex: 1; padding: 12px 16px; font-size: 0.9375rem; }
@media (max-width: 760px) {
  .mobile-cta { display: flex; }
  body { padding-bottom: 68px; }
}

/* ---------- Responsivo ---------- */
@media (max-width: 1024px) {
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .foot-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 960px) {
  .stat-grid { grid-template-columns: 1fr 1fr; }
  .stat:nth-child(3) { border-left: none; }
  .stat-grid .stat { border-top: 1px solid rgba(255,255,255,0.14); }
  .stat-grid .stat:nth-child(-n+2) { border-top: none; }
  .inv-metrics { grid-template-columns: 1fr; }
  .inv-metric { border-left: none; padding: 20px 0; border-top: 1px solid rgba(255,255,255,0.18); }
  .inv-metric:first-child { border-top: none; }
  .hero-figure { display: none; }
  .two-col-text { grid-template-columns: 1fr; }
  .section-head--split { grid-template-columns: 1fr; align-items: start; }
  .split { grid-template-columns: 1fr; }
  .split-connector { min-height: 72px; width: 100%; }
  .split-connector::before { top: 50%; bottom: auto; left: 0; right: 0; border-left: none; border-top: 1px dashed var(--ink-200); }
  .sol-row { grid-template-columns: 56px 1fr auto; gap: 16px; padding: 22px 4px; }
  .sol-n { font-size: 1.25rem; }
  .flow { grid-template-columns: 1fr; gap: 28px; }
  .flow::before { top: 8px; bottom: 8px; left: 8px; right: auto; border-top: none; border-left: 1px dashed var(--ink-200); }
  .flow li { padding-top: 0; padding-left: 44px; }
  .flow li::before { top: 2px; }
}
@media (max-width: 760px) {
  .nav-links, .nav-cta .login, .nav-cta .btn { display: none; }
  .nav-toggle { display: flex; }
  .site-header.open { background: var(--paper); }
  .site-header.open .nav-links { display: flex; position: absolute; top: 72px; left: 0; right: 0; flex-direction: column; align-items: flex-start; gap: 0; background: var(--paper); border-bottom: 1px solid var(--line-soft); box-shadow: var(--shadow-md); padding: 8px var(--gap) 16px; }
  .site-header.open .nav-links a { padding: 14px 0; width: 100%; border-bottom: 1px solid var(--line-soft); font-size: 1.0625rem; }
  .site-header.open .nav-links a[aria-current="page"]::after { display: none; }
  .site-header.open .nav-links .drawer-cta { display: inline-flex; margin-top: 16px; width: 100%; border-bottom: none; padding: 14px 32px; color: #fff; }
  .nav-item { display: contents; }
  .nav-item .chev { display: none; }
  .sub-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; border-radius: 0; padding: 0; min-width: 0; width: 100%; }
  .site-header.open .sub-menu a { padding-left: 18px; font-size: 1rem; color: var(--ink-600); border-radius: 0; }
  .dual, .grid-2, .grid-3, .contact-grid, .inv-metrics, .steps { grid-template-columns: 1fr; }
  .stat-grid { grid-template-columns: 1fr 1fr; }
  .compare-row { grid-template-columns: 1fr; }
  .compare-row .bank, .compare-row .oct { border-left: none; border-top: 1px solid var(--line-soft); }
  .compare-head { display: none; }
  .compare-row .bank::before {
    content: "Banco tradicional"; display: block; font-size: 0.6875rem; letter-spacing: 0.06em;
    text-transform: uppercase; font-weight: 600; margin-bottom: 4px; color: var(--ink-500);
  }
  .compare-row .bank { display: block; }
  .compare-row .oct { flex-direction: column; }
  .compare-row .oct::before {
    -webkit-mask: none; mask: none; background: none; width: auto; height: auto; margin: 0 0 4px;
    content: "Octagon"; font-size: 0.6875rem; letter-spacing: 0.06em; text-transform: uppercase;
    font-weight: 600; color: var(--brand-600);
  }
  .pills { grid-template-columns: 1fr; }
  .form .row { grid-template-columns: 1fr; }
  .tl-item { grid-template-columns: 70px 1fr; gap: 16px; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  h1 { font-size: clamp(2rem, 8.5vw, 2.5rem); }
  .hero-visual-cap { left: 12px; }
}
@media print {
  .rv { opacity: 1 !important; transform: none !important; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important; animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important; scroll-behavior: auto !important;
  }
  .rv { opacity: 1; transform: none; }
}

/* ============================================================
   Simuladores (v2 — 2026-08-02) — mesmo DS, canvas claro
   ============================================================ */
.sim-section { background: var(--surface); }
.sim-stepper { display: flex; align-items: center; gap: 12px; margin-bottom: 32px; }
.sim-step { display: inline-flex; align-items: center; gap: 8px; font-size: 0.75rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-500); }
.sim-step i { font-style: normal; width: 24px; height: 24px; border-radius: 50%; border: 1px solid var(--line); display: grid; place-content: center; font-size: 0.75rem; background: var(--paper); transition: all var(--dur-sm) var(--ease-out); }
.sim-step.active { color: var(--ink-900); }
.sim-step.active i { background: var(--brand-600); border-color: var(--brand-600); color: #fff; }
.sim-step.done i { background: var(--brand-100); border-color: var(--brand-600); color: var(--brand-700); }
.sim-step-line { flex: none; width: 56px; height: 1px; background: var(--line); }

.sim-gate { display: grid; grid-template-columns: minmax(0, 640px) minmax(240px, 1fr); gap: clamp(28px, 4vw, 56px); align-items: start; }
.sim-gate[hidden] { display: none; }
.sim-gate-aside { padding-top: 12px; }
.sim-gate-aside h3 { font-size: 0.6875rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-500); font-weight: 600; margin-bottom: 16px; }
.sim-gate-aside .checks { margin: 0; }
.sim-gate-aside .checks li { font-size: 0.9375rem; }
@media (max-width: 860px) { .sim-gate { grid-template-columns: 1fr; } }
.sim-gate-card { max-width: 640px; background: var(--paper); border: 1px solid var(--line-soft); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); padding: clamp(28px, 4vw, 44px); }
.sim-gate-card h2 { font-size: clamp(1.375rem, 2.4vw, 1.75rem); font-weight: 400; }
.sim-gate-card h2 strong { font-weight: 800; color: var(--brand-600); }
.sim-gate-sub { color: var(--ink-600); font-size: 0.9375rem; margin: 10px 0 26px; }
.sim-gate .field input.err, .sim-gate .field select.err { border-color: var(--danger-600); }

.sim-leadchip { display: flex; align-items: center; justify-content: space-between; gap: 16px; background: var(--paper); border: 1px solid var(--line-soft); border-radius: var(--radius-md); padding: 14px 20px; margin-bottom: 24px; }
.sim-leadinfo { display: flex; align-items: center; gap: 12px; }
.sim-leadinfo b { display: block; font-size: 0.9375rem; color: var(--ink-900); }
.sim-leadinfo small { display: block; color: var(--ink-500); font-size: 0.8125rem; margin-top: 1px; }
.sim-avatar { width: 38px; height: 38px; border-radius: 50%; background: var(--brand-100); color: var(--brand-700); display: grid; place-content: center; font-weight: 800; font-size: 0.875rem; flex: none; }

.sim-main { display: grid; grid-template-columns: 400px 1fr; gap: 24px; align-items: start; }
.sim-left, .sim-right { display: grid; gap: 24px; }
.sim-card { background: var(--paper); border: 1px solid var(--line-soft); border-radius: var(--radius-lg); padding: clamp(20px, 2.6vw, 28px); }
.sim-title { font-size: 0.6875rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-500); font-weight: 600; margin-bottom: 16px; }

.sim-money { display: flex; align-items: center; gap: 8px; background: var(--surface); border: 1px solid var(--ink-200); border-radius: var(--radius-md); padding: 0 16px; transition: border-color var(--dur-sm) var(--ease-out); }
.sim-money:focus-within { border-color: var(--brand-600); box-shadow: 0 0 0 2px rgba(21,106,247,0.25); }
.sim-money span { color: var(--ink-500); font-size: 0.9375rem; font-weight: 600; }
.sim-money input { flex: 1; border: none; background: none; outline: none; font: inherit; font-size: 1.125rem; font-weight: 700; color: var(--ink-900); padding: 12px 0; font-variant-numeric: tabular-nums; min-width: 0; }
.sim-select { width: 100%; background: var(--surface); border: 1px solid var(--ink-200); border-radius: var(--radius-md); padding: 12px 16px; font: inherit; color: var(--ink-900); }

.sim-pills { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.sim-pill { background: var(--surface); border: 1px solid var(--ink-200); border-radius: var(--radius-md); padding: 12px 8px; text-align: center; transition: all var(--dur-sm) var(--ease-out); }
.sim-pill b { display: block; font-size: 1.375rem; font-weight: 700; color: var(--ink-700); line-height: 1.1; font-variant-numeric: tabular-nums; }
.sim-pill small { color: var(--ink-500); font-size: 0.75rem; }
.sim-pill:hover { border-color: var(--brand-400); }
.sim-pill.active { background: var(--brand-50); border-color: var(--brand-600); }
.sim-pill.active b { color: var(--brand-700); }
.sim-pill.active small { color: var(--brand-600); }

.sim-regua { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; }
.sim-regua th { font-size: 0.6875rem; letter-spacing: 0.05em; text-transform: uppercase; color: var(--ink-500); font-weight: 600; text-align: center; padding: 8px 6px; border-bottom: 1px solid var(--line-soft); }
.sim-regua th:first-child { text-align: left; }
.sim-regua td { font-size: 0.8125rem; color: var(--ink-700); text-align: center; padding: 9px 6px; border-bottom: 1px solid var(--line-soft); }
.sim-regua td:first-child { text-align: left; color: var(--ink-500); font-size: 0.8125rem; white-space: nowrap; }
.sim-regua tr:last-child td { border-bottom: none; }
.sim-regua td.active-cell { background: var(--brand-50); color: var(--brand-700); font-weight: 700; }

.sim-toggle { display: flex; align-items: center; justify-content: space-between; gap: 16px; cursor: pointer; }
.sim-toggle b { display: block; font-size: 0.9375rem; color: var(--ink-900); }
.sim-toggle small { display: block; color: var(--ink-500); font-size: 0.8125rem; margin-top: 2px; }
.sim-toggle input { position: absolute; opacity: 0; }
.sim-switch { position: relative; flex: none; width: 42px; height: 24px; border-radius: 9999px; background: var(--ink-200); transition: background var(--dur-sm) var(--ease-out); }
.sim-switch::before { content: ""; position: absolute; width: 18px; height: 18px; left: 3px; top: 3px; background: #fff; border-radius: 50%; box-shadow: var(--shadow-xs); transition: transform var(--dur-sm) var(--ease-out); }
.sim-toggle input:checked ~ .sim-switch { background: var(--brand-600); }
.sim-toggle input:checked ~ .sim-switch::before { transform: translateX(18px); }
.sim-iof { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--line-soft); }
.sim-iof input { background: var(--surface); border: 1px solid var(--ink-200); border-radius: var(--radius-md); padding: 10px 12px; font: inherit; font-variant-numeric: tabular-nums; width: 100%; }

.sim-result { background: var(--brand-900); border-radius: var(--radius-lg); padding: clamp(24px, 3vw, 36px); color: #fff; }
.sim-result-label { font-size: 0.6875rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--brand-300); font-weight: 600; }
.sim-result-value { font-size: clamp(2.1rem, 4.5vw, 3.25rem); font-weight: 300; letter-spacing: -0.02em; line-height: 1.1; margin-top: 10px; font-variant-numeric: tabular-nums; }
.sim-result-sub { color: var(--brand-200); font-size: 0.875rem; margin-top: 6px; }
.sim-result-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px 20px; margin-top: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.16); }
.sim-result-grid small { display: block; font-size: 0.6875rem; letter-spacing: 0.05em; text-transform: uppercase; color: var(--brand-300); font-weight: 600; }
.sim-result-grid b { display: block; font-size: 0.9375rem; font-weight: 700; margin-top: 4px; font-variant-numeric: tabular-nums; color: #fff; }
.sim-result-grid b.pos { color: #9CC5FF; }
.sim-result-grid b.neg { color: #FFB4AE; }

.sim-chart-head { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-bottom: 18px; }
.sim-legend { display: flex; flex-wrap: wrap; gap: 14px; font-size: 0.75rem; color: var(--ink-600); }
.sim-legend span { display: inline-flex; align-items: center; gap: 6px; }
.sim-legend i { width: 9px; height: 9px; border-radius: 2px; display: inline-block; }
.sim-bars { display: flex; align-items: flex-end; gap: 4px; height: 130px; }
.sim-bar-group { flex: 1; display: flex; flex-direction: column; justify-content: flex-end; gap: 2px; height: 100%; }
.sim-bar-rend { background: var(--brand-600); border-radius: 3px 3px 0 0; min-height: 2px; }
.sim-bar-principal { background: var(--ink-200); border-radius: 2px; min-height: 2px; }
.sim-bars-labels { display: flex; gap: 4px; margin-top: 6px; }
.sim-bars-labels span { flex: 1; text-align: center; font-size: 0.6875rem; color: var(--ink-500); font-variant-numeric: tabular-nums; }

.sim-timeline { padding: 0; overflow: hidden; position: relative; }
.sim-timeline::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 36px;
  background: linear-gradient(transparent, var(--paper)); pointer-events: none;
}
.sim-tl-head, .sim-tl-row { display: grid; grid-template-columns: 90px 1fr 1fr 1fr; gap: 8px; padding: 10px 20px; }
.sim-tl-head { border-bottom: 1px solid var(--line-soft); }
.sim-tl-head span { font-size: 0.6875rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-500); font-weight: 600; text-align: right; }
.sim-tl-head span:first-child { text-align: left; }
.sim-tl-body { max-height: 360px; overflow-y: auto; padding-bottom: 24px; }
.sim-tl-row { border-bottom: 1px solid var(--line-soft); font-size: 0.8125rem; font-variant-numeric: tabular-nums; }
.sim-tl-row:last-child { border-bottom: none; }
.sim-tl-row span { text-align: right; color: var(--ink-700); }
.sim-tl-row span:first-child { text-align: left; color: var(--ink-500); }
.sim-tl-row .t-rend { color: var(--brand-700); }
.sim-tl-row.t-last { background: var(--brand-50); font-weight: 700; }

.sim-stack { display: flex; width: 100%; height: 34px; border-radius: var(--radius-sm); overflow: hidden; background: var(--surface); margin-bottom: 14px; }
.sim-stack > div { height: 100%; min-width: 2px; }
.sim-stack .seg-liquido { background: var(--brand-600); }
.sim-stack .seg-desagio { background: var(--ink-300); }
.sim-stack .seg-iof { background: var(--danger-600); opacity: 0.75; }

.sim-note { background: var(--paper); border: 1px solid var(--line-soft); border-radius: var(--radius-md); padding: 16px 20px; font-size: 0.8125rem; color: var(--ink-500); line-height: 1.6; }
.sim-note b { color: var(--ink-700); }

@media (max-width: 960px) {
  .sim-main { grid-template-columns: 1fr; }
  .sim-result-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .sim-tl-head, .sim-tl-row { grid-template-columns: 56px 1fr 1fr 1fr; padding: 10px 12px; }
  .sim-tl-row { font-size: 0.75rem; }
}

/* ============================================================
   Como funciona v3 — capítulos editoriais + portas de escolha
   ============================================================ */
.chap { position: relative; overflow: hidden; }
.chap-n { position: absolute; top: -0.08em; right: 12px; font-size: clamp(9rem, 22vw, 17rem); font-weight: 800; letter-spacing: -0.04em; color: var(--ink-100); line-height: 1; z-index: 0; user-select: none; pointer-events: none; }
.chap .wrap { position: relative; z-index: 1; }
.chap-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: clamp(32px, 5vw, 64px); align-items: center; }
.chap-grid img { width: 100%; height: clamp(260px, 26vw, 360px); object-fit: cover; border-radius: var(--radius-lg); }
ol.mini { margin-top: 28px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px 40px; list-style: none; padding: 0; counter-reset: c; }
.mini li { display: flex; gap: 12px; font-size: 0.9375rem; color: var(--ink-600); }
.mini li::before { counter-increment: c; content: counter(c, decimal-leading-zero); font-weight: 300; font-size: 1.375rem; color: var(--brand-600); line-height: 1.2; font-variant-numeric: tabular-nums; }
.mini li b { display: block; color: var(--ink-900); font-size: 0.9375rem; }
.chap-grid .eyebrow { margin-bottom: 16px; }

.bridge { background: var(--brand-900); padding-block: clamp(36px, 5vw, 56px); }
.bridge .wrap { display: grid; grid-template-columns: auto 1fr; gap: clamp(24px, 4vw, 48px); align-items: center; }
.bridge .b-mark { width: 56px; height: 56px; border-radius: 50%; background: rgba(255,255,255,0.08); display: grid; place-content: center; }
.bridge .b-mark .mark { height: 24px; color: #fff; }
.bridge h2 { color: #fff; font-size: 1.5rem; }
.bridge p { color: var(--brand-200); font-size: 0.9375rem; margin-top: 6px; max-width: 72ch; }

.doors { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.door { border-radius: var(--radius-xl); padding: clamp(28px, 4vw, 44px); display: flex; flex-direction: column; gap: 14px; position: relative; overflow: hidden; }
.door--emp { background: var(--brand-50); border: 1px solid var(--brand-100); }
.door--inv { background: var(--brand-900); }
.door h2 { font-size: clamp(1.375rem, 2.4vw, 1.875rem); }
.door--inv h2 { color: #fff; }
.door p { font-size: 0.9375rem; color: var(--ink-600); }
.door--inv p { color: var(--brand-200); }
.door ul { display: grid; gap: 8px; margin: 6px 0 10px; }
.door li { display: flex; gap: 9px; font-size: 0.9375rem; color: var(--ink-700); }
.door--inv li { color: var(--brand-100); }
.door li::before { content: ""; flex: none; width: 15px; height: 15px; margin-top: 3px; background: var(--brand-600);
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2.5'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2.5'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat; }
.door--inv li::before { background: var(--brand-300); }
.door .eyebrow { align-self: flex-start; }
.door--emp .eyebrow { color: var(--brand-700); }
.door--inv .eyebrow { color: var(--brand-400); }
.door .btn { align-self: flex-start; margin-top: auto; }
.door--inv .btn { background: #fff; color: var(--ink-900); }
.door--inv .btn:hover { background: var(--brand-50); }
.door-n { position: absolute; top: -0.1em; right: 10px; font-size: clamp(5rem, 9vw, 7.5rem); font-weight: 800; letter-spacing: -0.04em; line-height: 1; color: rgba(21,106,247,0.10); user-select: none; }
.door--inv .door-n { color: rgba(255,255,255,0.07); }

/* Portas de solução (empresas): numeral fantasma, carro-chefe em azul-papel */
.sol-door {
  position: relative; overflow: hidden;
  display: flex; flex-direction: column; gap: 12px;
  padding: clamp(26px, 3vw, 32px); padding-top: clamp(64px, 7vw, 88px);
  border-radius: var(--radius-xl);
  background: var(--surface); border: 1px solid var(--line-soft);
  transition: box-shadow var(--dur-sm) var(--ease-out);
}
.sol-door:hover { box-shadow: var(--shadow-xs); }
.sol-door--lead { background: var(--brand-50); border-color: var(--brand-100); }
.sol-door-n {
  position: absolute; top: -0.12em; right: 12px;
  font-size: clamp(5rem, 9vw, 7.5rem); font-weight: 800; letter-spacing: -0.04em; line-height: 1;
  color: var(--ink-100); user-select: none; font-variant-numeric: tabular-nums;
}
.sol-door--lead .sol-door-n { color: rgba(21,106,247,0.12); }
.sol-door h3 { font-size: 1.375rem; letter-spacing: -0.01em; }
.sol-door p { color: var(--ink-600); font-size: 0.9375rem; flex: 1; }
.sol-door .more { font-weight: 600; font-size: 0.9375rem; color: var(--brand-600); display: inline-flex; align-items: center; gap: 8px; margin-top: 8px; }
.sol-door:hover .more { color: var(--brand-700); }
.sol-door .more .arrow { transition: transform var(--dur-sm) var(--ease-out); }
.sol-door:hover .more .arrow { transform: translateX(3px); }

/* Colunas editoriais com vinheta duotone (sem card) */
.photo-col img { display: block; width: 100%; aspect-ratio: 16/10; height: auto; object-fit: cover; border-radius: var(--radius-lg); margin-bottom: 20px; }
.photo-col h3 { font-size: 1.25rem; }
.photo-col p { color: var(--ink-600); font-size: 0.9375rem; margin-top: 8px; }

/* Painel navy dos pilares do instrumento (investidores) */
.inv-panel {
  background: var(--brand-900); border-radius: var(--radius-xl);
  padding: clamp(28px, 4vw, 44px);
  display: grid; grid-template-columns: 1fr 1fr 1fr;
  gap: clamp(24px, 3.5vw, 44px);
}
.inv-panel-col + .inv-panel-col { border-left: 1px solid rgba(255,255,255,0.16); padding-left: clamp(24px, 3.5vw, 44px); }
.inv-panel-col img { display: block; width: 100%; height: 150px; object-fit: cover; border-radius: var(--radius-md); margin-bottom: 20px; }
.inv-panel h3 { color: #fff; font-size: 1.25rem; }
.inv-panel p { color: var(--brand-200); font-size: 0.9375rem; margin-top: 10px; }
@media (max-width: 860px) {
  .inv-panel { grid-template-columns: 1fr; }
  .inv-panel-col + .inv-panel-col { border-left: none; padding-left: 0; border-top: 1px solid rgba(255,255,255,0.16); padding-top: clamp(24px, 3.5vw, 44px); }
}

@media (max-width: 860px) {
  .chap-grid { grid-template-columns: 1fr; }
  ol.mini { grid-template-columns: 1fr; }
  .bridge .wrap { grid-template-columns: 1fr; }
  .doors { grid-template-columns: 1fr; }
}

/* ============================================================
   Heros das soluções — painéis-artefato da Planta da Operação
   ============================================================ */
.art { position: relative; height: clamp(300px, 30vw, 420px); border-radius: var(--radius-lg); background: var(--brand-50); overflow: hidden; display: grid; place-items: center; }
.art::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(var(--brand-200) 1.2px, transparent 1.2px);
  background-size: 22px 22px; opacity: 0.5;
  -webkit-mask-image: radial-gradient(ellipse 78% 88% at 50% 45%, #000 30%, transparent 82%);
  mask-image: radial-gradient(ellipse 78% 88% at 50% 45%, #000 30%, transparent 82%);
}
.art-tag {
  position: absolute; top: 14px; right: 16px; z-index: 2;
  font-size: 0.6875rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--brand-700); background: rgba(255,255,255,0.82); border: 1px solid var(--brand-100);
  padding: 3px 12px; border-radius: 9999px;
}
.art-n {
  position: absolute; left: 10px; bottom: -0.12em; z-index: 0;
  font-size: clamp(5rem, 9vw, 7.5rem); font-weight: 800; letter-spacing: -0.04em; line-height: 1;
  color: rgba(21,106,247,0.10); user-select: none; font-variant-numeric: tabular-nums;
}
.art-stage { position: relative; z-index: 1; display: grid; justify-items: center; gap: 8px; }

/* 01 · Antecipação: a duplicata vira líquido */
.ad-doc {
  background: var(--paper); border: 1px solid var(--line-soft); border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm); padding: 12px 18px 8px; width: min(260px, 78vw);
}
.ad-doc-title { display: block; font-size: 0.6875rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-500); margin-bottom: 6px; }
.ad-row { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 6px 0; border-top: 1px dashed var(--line-soft); font-variant-numeric: tabular-nums; }
.ad-row small { font-size: 0.8125rem; color: var(--ink-500); }
.ad-row b { font-size: 0.9375rem; color: var(--ink-900); }
.ad-arrow { display: grid; justify-items: center; color: var(--brand-700); font-size: 0.75rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; }
.ad-arrow::before { content: ""; width: 1px; height: 20px; border-left: 1px dashed var(--brand-300); margin-bottom: 4px; }
.ad-res {
  background: var(--brand-600); color: #fff; border-radius: var(--radius-md);
  padding: 14px 20px; width: min(260px, 78vw); box-shadow: var(--shadow-md);
}
.ad-res small { display: block; font-size: 0.6875rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--brand-100); }
.ad-res b { display: block; font-size: 2rem; font-weight: 800; font-variant-numeric: tabular-nums; line-height: 1.2; margin-top: 2px; }
.ad-res span { display: block; font-size: 0.75rem; color: var(--brand-100); margin-top: 2px; }

/* 02 · Giro: o ciclo do caixa */
.ac-ring { position: relative; width: clamp(190px, 20vw, 260px); aspect-ratio: 1; border: 1.5px dashed var(--brand-300); border-radius: 50%; margin: 22px 56px; }
.ac-hub {
  position: absolute; inset: 0; margin: auto; width: 56px; height: 56px; border-radius: 50%;
  background: var(--paper); border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  display: grid; place-content: center;
}
.ac-hub .mark { height: 22px; width: auto; color: var(--brand-600); }
.ac-hub .mark path { stroke: currentColor; }
.ac-node {
  position: absolute; background: var(--paper); border: 1px solid var(--line-soft);
  box-shadow: var(--shadow-xs); border-radius: 9999px; padding: 5px 13px;
  font-size: 0.75rem; font-weight: 600; color: var(--ink-700); white-space: nowrap;
}
.ac-node--n { top: 0; left: 50%; transform: translate(-50%, -50%); }
.ac-node--e { right: 0; top: 50%; transform: translate(45%, -50%); }
.ac-node--s { bottom: 0; left: 50%; transform: translate(-50%, 50%); }
.ac-node--w { left: 0; top: 50%; transform: translate(-45%, -50%); }

/* 03 · Sob medida: o mark com linhas de cota */
.am-wrap { position: relative; padding: 30px 44px; }
.am-wrap .mark { height: clamp(120px, 14vw, 170px); width: auto; color: var(--brand-600); }
.am-wrap .mark path { stroke: currentColor; }
.am-dim { position: absolute; color: var(--brand-700); font-size: 0.6875rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; }
.am-dim--top { top: 0; left: 30px; right: 30px; border-top: 1px solid var(--brand-300); text-align: center; padding-top: 6px; }
.am-dim--top::before, .am-dim--top::after { content: ""; position: absolute; top: -5px; width: 1px; height: 11px; background: var(--brand-300); }
.am-dim--top::before { left: 0; }
.am-dim--top::after { right: 0; }
.am-dim--right { top: 26px; bottom: 26px; right: 12px; border-right: 1px solid var(--brand-300); }
.am-dim--right::before, .am-dim--right::after { content: ""; position: absolute; right: -5px; width: 11px; height: 1px; background: var(--brand-300); }
.am-dim--right::before { top: 0; }
.am-dim--right::after { bottom: 0; }

@media (max-width: 960px) {
  .art { height: auto; min-height: 240px; padding: 54px 16px 22px; }
  .ac-ring { width: 170px; margin: 16px 48px; }
  .ad-res b { font-size: 1.5rem; }
}