:root {
  --navy-900: #08182e;
  --navy-800: #0b1f3a;
  --navy-700: #122c4f;
  --navy-600: #1b3c67;
  --gold-500: #c8a35a;
  --gold-400: #d8bb7d;
  --gold-100: #f6efdf;
  --teal-500: #2fa08a;
  --teal-50: #e9f6f2;
  --cream: #fbf8f2;
  --white: #ffffff;
  --ink: #14202f;
  --muted: #5b6879;
  --line: #e4e7ec;
  --danger: #c0392b;
  --success: #1f8a70;
  --surface: #ffffff;
  --surface-soft: #ffffff;
  --header-bg: rgba(251, 248, 242, 0.9);
  --header-bg-scrolled: rgba(251, 248, 242, 0.97);
  --input-bg: #ffffff;
  --card-bg: #ffffff;
  --plan-bg: #ffffff;
  --step-bg: #fbf8f2;
  --icon-bg: #f6efdf;
  --icon-color: #a8823c;
  --ghost-btn: rgba(255,255,255,.06);
  --ghost-border: rgba(255,255,255,.28);

  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 24px;
  --shadow-sm: 0 2px 8px rgba(11, 31, 58, 0.06);
  --shadow: 0 14px 40px rgba(11, 31, 58, 0.10);
  --shadow-lg: 0 30px 70px rgba(8, 24, 46, 0.20);
  --max: 1180px;
  --font: 'Manrope', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --serif: 'Playfair Display', Georgia, serif;
  --safe-bottom: env(safe-area-inset-bottom, 0px);
}

* { box-sizing: border-box; }

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

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4 { margin: 0; line-height: 1.15; letter-spacing: -0.02em; }
p { margin: 0; }
button, input, select, textarea { font: inherit; color: inherit; }

:focus-visible {
  outline: 2px solid var(--gold-500);
  outline-offset: 3px;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--navy-800);
  color: #fff;
  padding: .75rem 1.25rem;
  z-index: 999;
}
.skip-link:focus { left: 1rem; top: 1rem; }

.container {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
}
.container--narrow { max-width: 820px; }

/* ---------- Header ---------- */
.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--header-bg);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .25s ease, box-shadow .25s ease, background .25s ease;
  padding-top: env(safe-area-inset-top, 0px);
}
.header.is-scrolled {
  border-bottom-color: var(--line);
  box-shadow: 0 8px 30px rgba(11, 31, 58, 0.06);
  background: var(--header-bg-scrolled);
}
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 76px;
  gap: 20px;
}

.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--navy-800); min-width: 0; }
.brand__mark { color: var(--gold-500); display: grid; place-items: center; flex: none; }
.brand__text {
  font-weight: 800;
  font-size: 1.05rem;
  letter-spacing: -0.01em;
  display: flex;
  flex-direction: column;
  line-height: 1.1;
  min-width: 0;
}
.brand__text span {
  font-size: .52rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--muted);
  margin-top: 3px;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  max-width: 210px;
}
.brand--light { color: var(--white); }
.brand--light .brand__text span { color: rgba(255,255,255,.6); max-width: none; white-space: normal; }

.nav { display: flex; align-items: center; gap: 20px; }
.nav__link {
  font-size: .94rem;
  font-weight: 600;
  color: var(--navy-700);
  position: relative;
  padding: 6px 0;
  transition: color .2s ease;
}
.nav__link::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 0; height: 2px;
  background: var(--gold-500);
  transition: width .25s ease;
}
.nav__link:hover { color: var(--navy-900); }
.nav__link:hover::after { width: 100%; }
.nav__cta { margin-left: 4px; }

.lang {
  display: inline-flex;
  align-items: center;
  gap: 2px;
  padding: 3px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--surface);
}
.lang__btn {
  border: 0;
  background: transparent;
  padding: .3rem .62rem;
  border-radius: 999px;
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .04em;
  color: var(--muted);
  cursor: pointer;
  transition: background .18s ease, color .18s ease;
}
.lang__btn.is-active { background: var(--navy-800); color: #fff; }

.menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px; height: 44px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--surface);
  cursor: pointer;
  padding: 0 11px;
  flex: none;
}
.menu-toggle span {
  display: block;
  height: 2px;
  background: var(--navy-800);
  border-radius: 2px;
  transition: transform .25s ease, opacity .2s ease;
}
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: .82rem 1.5rem;
  border-radius: 999px;
  font-weight: 700;
  font-size: .95rem;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease, border-color .18s ease;
  white-space: nowrap;
  min-height: 46px;
  -webkit-tap-highlight-color: transparent;
}
.btn:active { transform: translateY(1px); }
.btn--primary {
  background: linear-gradient(135deg, var(--gold-500), #b78d40);
  color: #1a1408;
  box-shadow: 0 10px 24px rgba(200, 163, 90, .35);
}
.btn--primary:hover { box-shadow: 0 14px 30px rgba(200, 163, 90, .48); transform: translateY(-1px); }
.btn--ghost {
  background: rgba(255,255,255,.06);
  color: var(--white);
  border-color: rgba(255,255,255,.28);
}
.btn--ghost:hover { background: rgba(255,255,255,.14); border-color: rgba(255,255,255,.55); }
.btn--outline {
  background: transparent;
  color: var(--navy-800);
  border-color: var(--line);
}
.btn--outline:hover { border-color: var(--navy-800); background: rgba(11,31,58,.03); }
.btn--block { width: 100%; }
.btn--sm { padding: .6rem 1.15rem; font-size: .88rem; min-height: 40px; }
.btn--lg { padding: 1rem 1.9rem; font-size: 1rem; }

/* ---------- Shared ---------- */
.eyebrow {
  display: inline-block;
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 14px;
}
.eyebrow--dark { color: var(--teal-500); }

.section { padding: 92px 0; position: relative; }
.section--soft { background: var(--surface-soft); }
.section--dark { background: var(--navy-800); color: var(--white); overflow: hidden; }
.section--dark::before {
  content: "";
  position: absolute;
  width: 560px; height: 560px;
  right: -180px; top: -220px;
  background: radial-gradient(circle, rgba(200,163,90,.20), transparent 68%);
  pointer-events: none;
}

.section__head { max-width: 640px; margin-bottom: 54px; }
.section__head h2 {
  font-family: var(--serif);
  font-size: clamp(1.75rem, 3.6vw, 2.7rem);
  color: var(--navy-900);
  font-weight: 700;
}
.section__head p { margin-top: 14px; color: var(--muted); font-size: 1.02rem; }
.section__head--light h2 { color: var(--white); }
.section__head--light p { color: rgba(255,255,255,.68); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(1100px 520px at 82% -8%, rgba(200,163,90,.16), transparent 62%),
    radial-gradient(900px 500px at 8% 12%, rgba(47,160,138,.12), transparent 60%),
    var(--navy-900);
  color: var(--white);
  padding: 76px 0 52px;
  overflow: hidden;
}
.hero__glow {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.028) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.028) 1px, transparent 1px);
  background-size: 64px 64px;
  -webkit-mask-image: radial-gradient(circle at 50% 0%, #000 30%, transparent 78%);
  mask-image: radial-gradient(circle at 50% 0%, #000 30%, transparent 78%);
  pointer-events: none;
}
.hero__inner {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  align-items: center;
  gap: 60px;
  position: relative;
}
.hero__content { max-width: 620px; }
.hero h1 {
  font-family: var(--serif);
  font-size: clamp(2.15rem, 5.2vw, 3.9rem);
  font-weight: 700;
  letter-spacing: -0.025em;
}
.highlight {
  background: linear-gradient(120deg, var(--gold-400), #f0d9a4);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.hero__lead {
  margin-top: 20px;
  font-size: 1.05rem;
  color: rgba(255,255,255,.74);
  max-width: 540px;
}
.hero__actions { display: flex; gap: 14px; margin-top: 32px; flex-wrap: wrap; }
.hero__trust {
  display: flex;
  gap: 34px;
  margin-top: 46px;
  padding-top: 26px;
  border-top: 1px solid rgba(255,255,255,.1);
  flex-wrap: wrap;
}
.hero__trust li { display: flex; flex-direction: column; gap: 2px; }
.hero__trust strong { font-size: 1.25rem; color: var(--gold-400); font-weight: 800; letter-spacing: -.02em; }
.hero__trust span { font-size: .8rem; color: rgba(255,255,255,.55); }

.hero__card { position: relative; justify-self: center; width: 100%; max-width: 400px; }

.portrait {
  margin: 0;
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: linear-gradient(170deg, #123157, #08182e);
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255,255,255,.14);
  animation: float-in .8s cubic-bezier(.2,.7,.3,1) both;
}
@keyframes float-in {
  from { opacity: 0; transform: translateY(24px) scale(.97); }
  to { opacity: 1; transform: none; }
}
.portrait img {
  width: 100%;
  height: auto;
  aspect-ratio: 1 / 1;
  object-fit: cover;
  object-position: 50% 22%;
}
.portrait__plate {
  position: absolute;
  left: 14px; right: 14px; bottom: 14px;
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 14px 18px;
  border-radius: 14px;
  background: rgba(8, 24, 46, 0.72);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.16);
  color: var(--white);
}
.portrait__plate strong { font-size: 1.06rem; letter-spacing: -.01em; }
.portrait__plate > span { font-size: .76rem; color: rgba(255,255,255,.7); }
.portrait__place {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  margin-top: 5px;
  font-size: .74rem !important;
  color: var(--gold-400) !important;
  font-weight: 600;
}

.logos {
  margin-top: 62px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,.09);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.logos > span {
  font-size: .7rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: rgba(255,255,255,.42);
  font-weight: 700;
  max-width: 420px;
}
.logos__row { display: flex; gap: 26px; flex-wrap: wrap; }
.logos__item {
  font-weight: 800;
  font-size: .85rem;
  letter-spacing: .08em;
  color: rgba(255,255,255,.35);
  text-transform: uppercase;
}

/* ---------- Features ---------- */
.features {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.feature {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.09);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: background .25s ease, border-color .25s ease, transform .25s ease;
}
.feature:hover { background: rgba(255,255,255,.075); border-color: rgba(200,163,90,.38); transform: translateY(-4px); }
.feature__icon {
  display: grid;
  place-items: center;
  width: 50px; height: 50px;
  border-radius: 14px;
  background: rgba(200,163,90,.14);
  color: var(--gold-400);
  margin-bottom: 16px;
}
.feature__icon svg { width: 25px; height: 25px; }
.feature h3 { font-size: 1.04rem; color: var(--white); margin-bottom: 8px; }
.feature p { font-size: .9rem; color: rgba(255,255,255,.62); }

/* ---------- Plans ---------- */
.plans {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: stretch;
}
.plans--two {
  grid-template-columns: repeat(2, 1fr);
  max-width: 920px;
  margin: 0 auto;
}
.plan {
  background: var(--plan-bg);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  position: relative;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.plan:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: rgba(200,163,90,.5); }
.plan--featured {
  background: linear-gradient(180deg, var(--navy-800), var(--navy-900));
  color: var(--white);
  border-color: var(--navy-700);
  box-shadow: var(--shadow);
  transform: translateY(-10px);
}
.plan--featured:hover { transform: translateY(-16px); }
.plan__flag {
  position: absolute;
  top: -13px; left: 50%;
  transform: translateX(-50%);
  background: var(--gold-500);
  color: #1a1408;
  font-size: .66rem;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 999px;
  white-space: nowrap;
  box-shadow: 0 8px 18px rgba(200,163,90,.4);
}
.plan__tag {
  display: inline-block;
  align-self: flex-start;
  font-size: .64rem;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--teal-500);
  background: var(--teal-50);
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 12px;
}
.plan--featured .plan__tag { color: var(--gold-400); background: rgba(200,163,90,.14); }
.plan h3 { font-size: 1.28rem; color: var(--navy-900); }
.plan--featured h3 { color: var(--white); }
.plan__desc { font-size: .88rem; color: var(--muted); margin-top: 8px; padding-bottom: 20px; border-bottom: 1px solid var(--line); }
.plan--featured .plan__desc { color: rgba(255,255,255,.62); border-color: rgba(255,255,255,.12); }
.plan__list { display: grid; gap: 11px; padding: 22px 0 28px; flex: 1; }
.plan__list li {
  position: relative;
  padding-left: 26px;
  font-size: .9rem;
  color: var(--navy-700);
  font-weight: 500;
}
.plan__list li::before {
  content: "";
  position: absolute;
  left: 0; top: .42em;
  width: 14px; height: 8px;
  border-left: 2px solid var(--teal-500);
  border-bottom: 2px solid var(--teal-500);
  transform: rotate(-45deg);
}
.plan--featured .plan__list li { color: rgba(255,255,255,.8); }
.plan--featured .plan__list li::before { border-color: var(--gold-400); }
.plans__note {
  margin-top: 34px;
  font-size: .82rem;
  color: var(--muted);
  text-align: center;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}

/* ---------- Allianz ---------- */
.allianz {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 56px;
  align-items: center;
}
.allianz__copy h2 {
  font-family: var(--serif);
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  color: var(--navy-900);
  font-weight: 700;
}
.allianz__copy > p { margin-top: 16px; color: var(--muted); font-size: .98rem; }
.allianz__copy .btn { margin-top: 28px; }
.allianz__stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}
.allianz__stats li {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.allianz__stats strong {
  font-family: var(--serif);
  font-size: 1.55rem;
  color: var(--navy-900);
  letter-spacing: -0.02em;
}
.allianz__stats span { font-size: .82rem; color: var(--muted); font-weight: 600; }
.allianz__note {
  margin-top: 28px;
  font-size: .82rem;
  color: var(--muted);
  text-align: center;
}

/* ---------- About ---------- */
.about {
  display: grid;
  grid-template-columns: .85fr 1.15fr;
  gap: 56px;
  align-items: center;
}
.about__photo {
  margin: 0;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--line);
  position: relative;
}
.about__photo::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  box-shadow: inset 0 0 0 1px rgba(200,163,90,.25);
  pointer-events: none;
}
.about__photo img {
  width: 100%;
  height: auto;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: 50% 18%;
}
.about__copy h2 {
  font-family: var(--serif);
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  color: var(--navy-900);
  font-weight: 700;
}
.about__copy > p { margin-top: 16px; color: var(--muted); font-size: .98rem; }
.about__facts { display: grid; gap: 16px; margin: 28px 0 30px; }
.about__facts li { display: flex; gap: 14px; align-items: flex-start; }
.about__icon {
  display: grid;
  place-items: center;
  width: 40px; height: 40px;
  border-radius: 11px;
  background: var(--icon-bg);
  color: var(--icon-color);
  flex: none;
}
.about__icon svg { width: 20px; height: 20px; }
.about__facts strong { display: block; font-size: .93rem; color: var(--navy-900); }
.about__facts span:not(.about__icon) { font-size: .84rem; color: var(--muted); }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step {
  position: relative;
  background: var(--step-bg);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 26px;
}
.step__num {
  font-family: var(--serif);
  font-size: 2.5rem;
  font-weight: 700;
  color: rgba(200,163,90,.38);
  line-height: 1;
  display: block;
  margin-bottom: 12px;
}
.step h3 { font-size: 1.08rem; color: var(--navy-900); margin-bottom: 8px; }
.step p { font-size: .92rem; color: var(--muted); }

/* ---------- Accordion ---------- */
.accordion { display: grid; gap: 12px; }
.accordion__item {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color .2s ease, background .2s ease;
}
.accordion__item[open] { background: rgba(255,255,255,.07); border-color: rgba(200,163,90,.4); }
.accordion__item summary {
  cursor: pointer;
  list-style: none;
  padding: 18px 22px;
  font-weight: 700;
  font-size: .95rem;
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 56px;
}
.accordion__item summary::-webkit-details-marker { display: none; }
.accordion__item summary::after {
  content: "+";
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--gold-400);
  transition: transform .25s ease;
  flex: none;
  line-height: 1;
}
.accordion__item[open] summary::after { transform: rotate(45deg); }
.accordion__item p {
  padding: 0 22px 20px;
  color: rgba(255,255,255,.66);
  font-size: .9rem;
}

/* ---------- Contact ---------- */
.cotacao {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 56px;
  align-items: start;
}
.cotacao__copy h2 {
  font-family: var(--serif);
  font-size: clamp(1.75rem, 3.2vw, 2.5rem);
  color: var(--navy-900);
  font-weight: 700;
}
.cotacao__copy > p { margin-top: 16px; color: var(--muted); }

.contact-cards { display: grid; gap: 12px; margin-top: 30px; }
.contact-card {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--card-bg);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px 18px;
  transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.contact-card:hover { border-color: rgba(200,163,90,.55); transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.contact-card__icon {
  display: grid;
  place-items: center;
  width: 42px; height: 42px;
  border-radius: 12px;
  background: var(--navy-800);
  color: var(--gold-400);
  flex: none;
}
.contact-card__icon svg { width: 21px; height: 21px; }
.contact-card > div { display: flex; flex-direction: column; min-width: 0; }
.contact-card span:not(.contact-card__icon) {
  font-size: .7rem;
  text-transform: uppercase;
  letter-spacing: .12em;
  font-weight: 700;
  color: var(--muted);
}
.contact-card a, .contact-card strong {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy-900);
  word-break: break-word;
}
.contact-card a:hover { color: var(--gold-500); }

.form {
  background: var(--card-bg);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 34px;
  display: grid;
  gap: 18px;
  box-shadow: var(--shadow-sm);
}
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.field { display: grid; gap: 8px; min-width: 0; }
.field > label {
  font-size: .8rem;
  font-weight: 700;
  color: var(--navy-800);
}
input[type="text"], input[type="email"], input[type="tel"], select, textarea {
  width: 100%;
  padding: .78rem 1rem;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--input-bg);
  font-size: 1rem;
  transition: border-color .2s ease, box-shadow .2s ease;
  appearance: none;
  min-height: 48px;
}
select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5 6 6.5l5-5' fill='none' stroke='%235b6879' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  background-size: 12px;
  padding-right: 2.4rem;
}
textarea { resize: vertical; min-height: 90px; }
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--gold-500);
  box-shadow: 0 0 0 4px rgba(200,163,90,.16);
}
input.is-invalid, select.is-invalid, textarea.is-invalid {
  border-color: var(--danger);
  box-shadow: 0 0 0 4px rgba(192,57,43,.1);
}
.field__error { font-size: .76rem; color: var(--danger); }
.field__error:empty { display: none; }

.checkbox { display: flex; gap: 10px; align-items: flex-start; font-size: .82rem; color: var(--muted); cursor: pointer; }
.checkbox input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--teal-500); flex: none; }
.checkbox a { color: var(--navy-800); text-decoration: underline; text-underline-offset: 2px; }
.form__note { font-size: .73rem; color: var(--muted); text-align: center; }

.link-inline {
  justify-self: start;
  background: none;
  border: 0;
  padding: 0;
  font-size: .76rem;
  font-weight: 700;
  color: var(--navy-800);
  text-decoration: underline;
  text-underline-offset: 3px;
  cursor: pointer;
  text-align: left;
}

/* ---------- Modals ---------- */
.modal {
  width: min(560px, calc(100vw - 32px));
  max-height: min(80vh, 640px);
  padding: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--card-bg);
  color: var(--ink);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.modal::backdrop {
  background: rgba(8, 24, 46, 0.55);
  backdrop-filter: blur(3px);
}
.modal__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 22px;
  border-bottom: 1px solid var(--line);
  background: var(--surface-soft);
  position: sticky;
  top: 0;
}
.modal__head h2 { font-size: 1.05rem; color: var(--navy-900); }
.modal__close {
  display: grid;
  place-items: center;
  width: 36px; height: 36px;
  flex: none;
  border: 1px solid var(--line);
  border-radius: 50%;
  background: var(--surface);
  color: var(--navy-700);
  cursor: pointer;
}
.modal__close:hover { background: var(--navy-800); color: var(--white); border-color: var(--navy-800); }
.modal__body {
  padding: 22px;
  overflow-y: auto;
  max-height: calc(80vh - 74px);
  display: grid;
  gap: 14px;
}
.modal__body p { font-size: .9rem; color: var(--muted); line-height: 1.65; }
.modal[open] { animation: modal-in .22s ease both; }
@keyframes modal-in {
  from { opacity: 0; transform: translateY(10px) scale(.98); }
  to { opacity: 1; transform: none; }
}

/* ---------- Footer ---------- */
.footer { background: var(--navy-900); color: var(--white); padding: 64px 0 28px; }
.footer__inner {
  display: grid;
  grid-template-columns: 1.2fr 1.8fr;
  gap: 52px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer__brand p { margin-top: 16px; font-size: .88rem; color: rgba(255,255,255,.55); max-width: 320px; }
.footer__contact { display: flex; flex-direction: column; gap: 4px; margin-top: 18px; }
.footer__contact a { font-size: 1.05rem; font-weight: 700; color: var(--gold-400); }
.footer__contact a:hover { color: var(--gold-500); }
.footer__contact span { font-size: .8rem; color: rgba(255,255,255,.5); }
.footer__cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.footer__col { display: flex; flex-direction: column; gap: 11px; }
.footer__col h4 { font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-400); margin-bottom: 4px; }
.footer__col a, .footer__link {
  font-size: .88rem;
  color: rgba(255,255,255,.62);
  transition: color .2s ease;
  background: none;
  border: 0;
  padding: 0;
  text-align: left;
  cursor: pointer;
  font-family: inherit;
  line-height: 1.6;
}
.footer__col a:hover, .footer__link:hover { color: var(--white); }
.footer__bottom {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding-top: 24px;
  flex-wrap: wrap;
}
.footer__bottom p { font-size: .72rem; color: rgba(255,255,255,.42); }
.footer__legal { max-width: 400px; }

/* ---------- Mobile action bar ---------- */
.mobile-bar {
  display: none;
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 60;
  gap: 10px;
  padding: 10px 14px calc(10px + var(--safe-bottom));
  background: rgba(8, 24, 46, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-top: 1px solid rgba(255,255,255,.12);
}
.mobile-bar__btn {
  flex: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  border-radius: 999px;
  font-size: .9rem;
  font-weight: 700;
  color: var(--white);
  border: 1px solid rgba(255,255,255,.24);
  -webkit-tap-highlight-color: transparent;
}
.mobile-bar__btn:active { transform: scale(.98); }
.mobile-bar__btn--primary {
  background: linear-gradient(135deg, var(--gold-500), #b78d40);
  color: #1a1408;
  border-color: transparent;
}

/* ---------- Toast ---------- */
.toast {
  position: fixed;
  left: 50%;
  bottom: calc(28px + var(--safe-bottom));
  transform: translate(-50%, 24px);
  background: var(--navy-800);
  color: var(--white);
  padding: 14px 22px;
  border-radius: 16px;
  font-size: .88rem;
  font-weight: 600;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s ease, transform .3s ease;
  z-index: 100;
  max-width: calc(100% - 32px);
  text-align: center;
  line-height: 1.4;
}
.toast.is-visible { opacity: 1; transform: translate(-50%, 0); }
.toast.is-error { background: var(--danger); }

/* ---------- Reveal ---------- */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: none; }

/* ---------- Tablet ---------- */
@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; gap: 44px; }
  .hero__content { max-width: none; }
  .hero__card { max-width: 380px; justify-self: start; }
  .features { grid-template-columns: repeat(2, 1fr); }
  .plans { grid-template-columns: 1fr; max-width: 540px; margin: 0 auto; }
  .plans--two { grid-template-columns: 1fr; max-width: 540px; }
  .plan--featured { transform: none; }
  .plan--featured:hover { transform: translateY(-6px); }
  .allianz { grid-template-columns: 1fr; gap: 36px; }
  .about { grid-template-columns: 1fr; gap: 36px; }
  .about__photo { max-width: 420px; }
  .steps { grid-template-columns: 1fr; }
  .cotacao { grid-template-columns: 1fr; gap: 36px; }
  .footer__inner { grid-template-columns: 1fr; gap: 36px; }
}

/* ---------- Mobile nav ---------- */
@media (max-width: 880px) {
  .nav {
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--cream);
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 6px 20px 22px;
    box-shadow: 0 22px 40px rgba(11,31,58,.14);
    transform: translateY(-8px);
    opacity: 0;
    visibility: hidden;
    transition: opacity .22s ease, transform .22s ease, visibility .22s;
    max-height: calc(100dvh - 76px);
    overflow-y: auto;
  }
  .nav.is-open { opacity: 1; transform: none; visibility: visible; }
  .nav__link { padding: 15px 2px; border-bottom: 1px solid var(--line); font-size: 1rem; }
  .nav__link::after { display: none; }
  .nav__cta { margin: 18px 0 0; }
  .lang { align-self: flex-start; margin-top: 18px; }
  .lang__btn { padding: .45rem .9rem; font-size: .8rem; }
  .menu-toggle { display: flex; }
  .section { padding: 68px 0; }
  .hero { padding: 48px 0 40px; }
  .logos { margin-top: 44px; }
  .mobile-bar { display: flex; }
  body { padding-bottom: calc(68px + var(--safe-bottom)); }
  .toast { bottom: calc(86px + var(--safe-bottom)); }
}

/* ---------- Small phones ---------- */
@media (max-width: 600px) {
  .container { padding: 0 18px; }
  .header__inner { min-height: 68px; }
  .brand__text { font-size: 1rem; }
  .brand__text span { font-size: .48rem; max-width: 170px; letter-spacing: .1em; }
  .hero h1 { font-size: clamp(1.95rem, 8.4vw, 2.6rem); }
  .hero__lead { font-size: 1rem; }
  .hero__actions { gap: 10px; margin-top: 26px; }
  .hero__actions .btn { width: 100%; }
  .hero__trust { gap: 20px 28px; margin-top: 36px; padding-top: 22px; }
  .hero__trust strong { font-size: 1.1rem; }
  .hero__trust span { font-size: .74rem; }
  .hero__card { max-width: 320px; }
  .portrait__plate { left: 10px; right: 10px; bottom: 10px; padding: 11px 14px; }
  .portrait__plate strong { font-size: .94rem; }
  .logos { gap: 16px; }
  .logos > span { font-size: .64rem; }
  .logos__row { gap: 18px; }
  .logos__item { font-size: .76rem; }
  .features { grid-template-columns: 1fr; gap: 14px; }
  .feature { padding: 24px 20px; }
  .plan { padding: 28px 22px; }
  .about__photo { max-width: 100%; }
  .about__photo img { aspect-ratio: 1 / 1; }
  .form { padding: 24px 20px; border-radius: var(--radius); }
  .form__row { grid-template-columns: 1fr; gap: 16px; }
  .contact-card { padding: 14px 15px; }
  .contact-card a, .contact-card strong { font-size: .94rem; }
  .footer { padding: 52px 0 24px; }
  .footer__cols { grid-template-columns: 1fr 1fr; gap: 26px 20px; }
  .footer__bottom { flex-direction: column; gap: 10px; }
  .section__head { margin-bottom: 36px; }
  .accordion__item summary { font-size: .9rem; padding: 16px 18px; }
  .accordion__item p { padding: 0 18px 18px; }
  .steps { gap: 14px; }
  .step { padding: 24px 20px; }
}

@media (max-width: 360px) {
  .brand__text span { display: none; }
  .mobile-bar__btn span { font-size: .82rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .001ms !important;
    transition-duration: .001ms !important;
  }
  .reveal { opacity: 1; transform: none; }
}