/* =========================================================================
   Barão Corretora de Seguros — protótipo do site novo
   Folha de estilo compartilhada. Base: mockup-home.html aprovado.
   Identidade (brand.md): navy #171926 + dourado #CA9F63, Cinzel + Montserrat.
   ========================================================================= */
:root{
  --base:#171926;          /* navy profundo */
  --acento:#CA9F63;        /* dourado */
  --acento-claro:#D4AA6A;
  --acento-escuro:#B8884A;
  --texto:#FFFFFF;
  --texto-suave:rgba(255,255,255,.82);
  --linha:rgba(202,159,99,.28);
  --base-2:#1E2132;        /* navy +luz, separa blocos */
  --claro:#FFFFFF;
  --tinta:#171926;
  --tinta-suave:rgba(23,25,38,.78);
  --tinta-linha:rgba(23,25,38,.14);
  --raio:14px;
  --max:1180px;
  --ok:#2E9E6B;
  --alerta:#C0533B;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Montserrat,system-ui,sans-serif;font-weight:400;color:var(--texto);background:var(--base);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit}
img,svg{display:block;max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.g{color:var(--acento)}
.kicker{font-size:.78rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--acento)}
.divider{width:72px;height:2px;background:linear-gradient(90deg,var(--acento-claro),var(--acento-escuro));margin:18px 0}
.center{text-align:center}.center .divider{margin-left:auto;margin-right:auto}
h1,h2,h3{font-family:Montserrat,sans-serif;font-weight:700;line-height:1.15;letter-spacing:-.01em}
h1{font-size:clamp(2rem,5.6vw,3.2rem)}
h2{font-size:clamp(1.6rem,4.2vw,2.4rem)}
h3{font-size:1.1rem}
p.lead{font-size:1.05rem;color:var(--texto-suave);font-weight:300}
section{padding:64px 0}
@media(min-width:900px){section{padding:88px 0}}

/* ---- faixa de protótipo (substitui o aviso de mockup) ---- */
.proto{background:var(--acento);color:#231a09;font-size:.8rem;text-align:center;padding:9px 12px;font-weight:600;letter-spacing:.01em}
.proto b{font-weight:700}
.tbc{border-bottom:1px dashed currentColor;position:relative}
.tbc::after{content:"confirmar";font-size:.58em;font-weight:600;letter-spacing:.06em;text-transform:uppercase;vertical-align:super;margin-left:3px;opacity:.75}

/* ---- barra superior ---- */
.topbar{border-bottom:1px solid var(--linha);font-size:.78rem;color:var(--texto-suave)}
.topbar .wrap{display:flex;gap:16px;justify-content:space-between;align-items:center;padding:8px 20px;flex-wrap:wrap}
.topbar a{text-decoration:none}
.topbar .hide-sm{display:none}
@media(min-width:760px){.topbar .hide-sm{display:inline}}

/* ---- cabeçalho ---- */
header.site{position:sticky;top:0;z-index:40;background:rgba(23,25,38,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--linha)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:86px;gap:16px}
.logo{display:flex;align-items:center;text-decoration:none}
.logo img{height:58px;width:auto}
@media(max-width:1040px){header.site .wrap{height:72px}.logo img{height:50px}}
footer .logo img{height:58px}
nav.menu{display:none}
nav.menu a{font-size:.88rem;font-weight:500;text-decoration:none;color:var(--texto-suave);padding:8px 12px;border-radius:8px;white-space:nowrap}
nav.menu a:hover,nav.menu a:focus-visible{color:var(--texto);background:rgba(255,255,255,.06)}
nav.menu a[aria-current="page"]{color:var(--acento)}
@media(min-width:1040px){nav.menu{display:flex;gap:2px;align-items:center}}
.burger{background:none;border:1px solid var(--linha);color:var(--texto);border-radius:10px;width:44px;height:44px;display:grid;place-items:center;cursor:pointer}
.burger svg{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:2.2;stroke-linecap:round}
@media(min-width:1040px){.burger{display:none}}

/* ---- menu mobile (drawer) ---- */
.drawer{position:fixed;inset:0;z-index:60;background:rgba(10,11,18,.6);backdrop-filter:blur(2px);display:none}
.drawer[open],.drawer.show{display:block}
.drawer .panel{position:absolute;top:0;right:0;height:100%;width:min(84vw,340px);background:var(--base);border-left:1px solid var(--linha);padding:22px 20px;display:flex;flex-direction:column;gap:4px;overflow-y:auto}
.drawer .panel .x{align-self:flex-end;background:none;border:1px solid var(--linha);color:var(--texto);border-radius:10px;width:42px;height:42px;cursor:pointer;font-size:1.2rem;margin-bottom:10px}
.drawer .panel a{text-decoration:none;color:var(--texto-suave);font-weight:500;padding:13px 10px;border-radius:10px;border-bottom:1px solid rgba(255,255,255,.06)}
.drawer .panel a:hover,.drawer .panel a[aria-current="page"]{color:var(--acento)}
.drawer .panel .btn{margin-top:14px}

/* ---- botões ---- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 24px;border-radius:999px;font-family:Cinzel,serif;font-weight:600;font-size:1rem;letter-spacing:.02em;text-decoration:none;cursor:pointer;border:0;transition:transform .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn:focus-visible{outline:3px solid var(--acento-claro);outline-offset:3px}
.btn-primary{background:var(--claro);color:var(--tinta)}
.btn-primary .arrow{color:var(--acento-escuro)}
.btn-ghost{background:transparent;color:var(--texto);border:1.5px solid var(--acento)}
.btn-sm{min-height:44px;padding:0 18px;font-size:.9rem}
.arrow{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.header-cta{display:none}
@media(min-width:620px){.header-cta{display:inline-flex}}

/* ---- hero da home ---- */
.hero{position:relative;overflow:hidden;padding:56px 0 64px}
.hero::before,.hero::after{content:"";position:absolute;border-radius:50%;pointer-events:none;filter:blur(10px)}
.hero::before{width:620px;height:620px;left:-220px;top:-260px;background:radial-gradient(circle,rgba(202,159,99,.20),transparent 65%)}
.hero::after{width:720px;height:720px;right:-300px;bottom:-360px;background:radial-gradient(circle,rgba(202,159,99,.14),transparent 65%)}
.hero .watermark{position:absolute;right:-30px;bottom:-30px;width:300px;opacity:.05;pointer-events:none}
.hero .grid{position:relative;z-index:1;display:grid;gap:40px;align-items:center}
@media(min-width:980px){.hero{padding:80px 0 96px}.hero .grid{grid-template-columns:1.1fr .9fr;gap:60px}}
.selo{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--acento);color:var(--acento);border-radius:999px;padding:6px 14px;font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;margin-bottom:20px}
.hero h1{font-size:clamp(2.1rem,6.2vw,3.5rem)}
.hero p.lead{margin-top:6px;max-width:560px}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.hero .ctas .btn{flex:1 1 220px}
@media(min-width:620px){.hero .ctas .btn{flex:0 0 auto}}
.hero .nota{margin-top:16px;font-size:.82rem;color:var(--texto-suave)}
.foto{position:relative;border-radius:22px;aspect-ratio:4/5;max-height:560px;width:100%;
  background:linear-gradient(180deg,rgba(23,25,38,0) 40%,rgba(23,25,38,.85) 100%),
    repeating-linear-gradient(135deg,rgba(255,255,255,.035) 0 14px,rgba(255,255,255,0) 14px 28px),var(--base-2);
  border:1px solid var(--linha);display:flex;flex-direction:column;justify-content:flex-end;padding:24px;overflow:hidden}
.foto .ph{position:absolute;inset:0 0 130px 0;display:grid;place-items:center;text-align:center;padding:30px;color:var(--texto-suave);font-size:.85rem}
.foto .ph svg{width:46px;height:46px;stroke:var(--acento);fill:none;stroke-width:1.5;margin:0 auto 10px}
.foto .tag{position:relative;background:rgba(23,25,38,.92);border:1px solid var(--linha);border-radius:12px;padding:14px 16px;font-size:.86rem}
.foto .tag strong{display:block;font-family:Cinzel,serif;color:var(--acento);font-size:1rem;margin-bottom:2px}
.foto.has-img{background:var(--base-2)}
.foto .foto-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.foto.has-img::after{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(180deg,rgba(23,25,38,.18) 0%,rgba(23,25,38,0) 34%,rgba(23,25,38,.92) 100%)}
.foto.has-img .tag{z-index:2}

/* ---- hero interno (páginas) ---- */
.page-hero{position:relative;overflow:hidden;padding:30px 0 46px;border-bottom:1px solid var(--linha)}
.page-hero::after{content:"";position:absolute;width:640px;height:640px;right:-320px;top:-280px;border-radius:50%;background:radial-gradient(circle,rgba(202,159,99,.14),transparent 65%);filter:blur(10px);pointer-events:none}
.page-hero .wrap{position:relative;z-index:1}
.page-hero h1{max-width:760px}
.page-hero p.lead{max-width:680px;margin-top:14px}
.page-hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}

/* ---- breadcrumb ---- */
.crumb{font-size:.8rem;color:var(--texto-suave);padding:14px 0 0}
.crumb a{text-decoration:none}.crumb a:hover{color:var(--texto)}
.crumb span{color:var(--acento)}

/* ---- faixa de prova ---- */
.prova{border-top:1px solid var(--linha);border-bottom:1px solid var(--linha);background:var(--base-2);padding:28px 0}
.prova ul{list-style:none;display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
@media(min-width:900px){.prova ul{grid-template-columns:repeat(4,1fr)}.prova .num{font-size:1.5rem}}
.prova li{display:flex;flex-direction:column;gap:2px}
.prova .num{font-family:Cinzel,serif;font-size:1.15rem;overflow-wrap:anywhere;font-weight:600;color:var(--acento)}
.prova .lbl{font-size:.82rem;color:var(--texto-suave)}

/* ---- cartões ---- */
.cards{display:grid;gap:16px;margin-top:36px}
@media(min-width:700px){.cards{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1080px){.cards.c4{grid-template-columns:repeat(4,1fr)}.cards.c3{grid-template-columns:repeat(3,1fr)}}
.card{background:var(--base-2);border:1px solid var(--linha);border-radius:var(--raio);padding:24px;display:flex;flex-direction:column;gap:10px;text-decoration:none;transition:border-color .15s,transform .15s}
.card:hover{border-color:var(--acento);transform:translateY(-2px)}
.ic{width:30px;height:30px;stroke:var(--acento);fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.card p{font-size:.92rem;color:var(--texto-suave)}
.card .more{margin-top:auto;display:inline-flex;align-items:center;gap:6px;font-size:.84rem;font-weight:600;color:var(--acento)}
.card .more .arrow{width:15px;height:15px}
.card .destaque{font-size:.66rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--base);background:var(--acento);align-self:flex-start;padding:3px 9px;border-radius:999px}

/* ---- blocos claros ---- */
.light{background:var(--claro);color:var(--tinta)}
.light p.lead{color:var(--tinta-suave)}
.light .kicker{color:var(--acento-escuro)}
.light .card{background:#fff;border-color:var(--tinta-linha)}
.light .card p{color:var(--tinta-suave)}
.light .card .more{color:var(--acento-escuro)}
.light .ic{stroke:var(--acento-escuro)}
.light a.sublink{color:var(--tinta)}

/* ---- prosa / conteúdo técnico ---- */
.prose{max-width:760px}
.prose.wide{max-width:900px}
.prose p{margin:0 0 16px;color:var(--texto-suave)}
.light .prose p{color:var(--tinta-suave)}
.prose p.resposta{font-size:1.12rem;color:var(--texto);font-weight:400;border-left:3px solid var(--acento);padding-left:18px}
.light .prose p.resposta{color:var(--tinta)}
.prose h3{margin:30px 0 10px;font-size:1.25rem}
.prose ul,.prose ol{margin:0 0 16px 20px;color:var(--texto-suave)}
.light .prose ul,.light .prose ol{color:var(--tinta-suave)}
.prose li{margin-bottom:6px}

/* ---- tabelas ---- */
.tbl-wrap{overflow-x:auto;margin:22px 0;border:1px solid var(--linha);border-radius:var(--raio)}
.light .tbl-wrap{border-color:var(--tinta-linha)}
table.data{border-collapse:collapse;width:100%;min-width:520px;font-size:.92rem}
table.data th,table.data td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--linha);vertical-align:top}
.light table.data th,.light table.data td{border-bottom:1px solid var(--tinta-linha)}
table.data thead th{font-family:Cinzel,serif;font-weight:600;color:var(--acento);background:var(--base-2);font-size:.86rem}
.light table.data thead th{background:#faf6ef;color:var(--acento-escuro)}
table.data tbody tr:last-child td{border-bottom:0}
table.data .sim{color:var(--ok);font-weight:600}
table.data .nao{color:var(--alerta);font-weight:600}
.tbl-nota{font-size:.78rem;color:var(--texto-suave);margin-top:-6px}
.light .tbl-nota{color:var(--tinta-suave)}

/* ---- passos ---- */
.steps{counter-reset:s;display:grid;gap:18px;margin-top:36px}
@media(min-width:900px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{border-top:2px solid var(--acento);padding-top:18px}
.step::before{counter-increment:s;content:"0" counter(s);font-family:Cinzel,serif;font-size:1.6rem;font-weight:600;color:var(--acento-escuro);display:block;margin-bottom:6px}
.step p{color:var(--tinta-suave);font-size:.95rem}
section:not(.light) .step p{color:var(--texto-suave)}
section:not(.light) .step::before{color:var(--acento)}

/* ---- grade mini (produtos) ---- */
.mini{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:32px}
@media(min-width:900px){.mini{grid-template-columns:repeat(3,1fr)}}
.mini a{display:flex;flex-direction:column;gap:10px;align-items:flex-start;border:1px solid var(--linha);border-radius:12px;padding:18px;text-decoration:none;font-size:.95rem;font-weight:600;transition:border-color .15s}
.mini a:hover{border-color:var(--acento)}
.mini a small{font-weight:400;font-size:.82rem;color:var(--texto-suave)}
.light .mini a{border-color:var(--tinta-linha)}
.light .mini a small{color:var(--tinta-suave)}
.pessoal{margin-top:40px;padding:22px;border:1px dashed var(--linha);border-radius:var(--raio);display:flex;flex-wrap:wrap;gap:10px 18px;align-items:center;font-size:.9rem;color:var(--texto-suave)}
.pessoal strong{color:var(--texto);font-weight:600;margin-right:6px}
.pessoal a{text-decoration:underline;text-underline-offset:3px}

/* ---- equipe ---- */
.team{display:grid;gap:16px;margin-top:32px;grid-template-columns:repeat(2,1fr)}
@media(min-width:900px){.team{grid-template-columns:repeat(4,1fr)}}
.team .p{border:1px solid var(--tinta-linha);border-radius:var(--raio);background:#fff;overflow:hidden}
.team .av{aspect-ratio:1;background:repeating-linear-gradient(135deg,#eee 0 12px,#f6f1e8 12px 24px);display:grid;place-items:center;color:var(--tinta-suave);font-size:.72rem;text-align:center;padding:12px}
.team .p div.t{padding:14px 16px}
.team .p strong{display:block;color:var(--tinta)}
.team .p span{font-size:.82rem;color:var(--tinta-suave)}

/* ---- depoimentos ---- */
.quotes{display:grid;gap:16px;margin-top:36px}
@media(min-width:900px){.quotes{grid-template-columns:repeat(3,1fr)}}
blockquote{background:#fff;border:1px solid var(--tinta-linha);border-radius:var(--raio);padding:24px;font-size:.95rem;color:var(--tinta-suave);display:flex;flex-direction:column;gap:14px}
blockquote::before{content:"\201C";font-family:Cinzel,serif;font-size:3rem;line-height:.6;color:var(--acento-escuro)}
blockquote cite{font-style:normal;font-weight:600;color:var(--tinta);font-size:.88rem;margin-top:auto}
/* ---- Seguradoras parceiras ---- */
.seg-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:14px;margin-top:34px}
.seg-tile{flex:0 1 calc(50% - 7px);min-width:0;height:82px;background:#fff;border:1px solid var(--tinta-linha);border-radius:12px;display:grid;place-items:center;padding:0 16px}
.seg-tile img{max-height:34px;max-width:100%;width:auto;filter:grayscale(1) opacity(.72);transition:filter .2s,opacity .2s}
.seg-tile:hover img{filter:none;opacity:1}
@media(min-width:560px){.seg-tile{flex-basis:calc(33.333% - 10px)}}
@media(min-width:900px){.seg-tile{flex-basis:calc(25% - 11px);max-width:260px}}

/* ---- FAQ ---- */
.faq{max-width:860px;margin:36px auto 0}
.faq.left{margin-left:0}
details{border-bottom:1px solid var(--linha)}
.light details{border-bottom:1px solid var(--tinta-linha)}
details summary{list-style:none;cursor:pointer;padding:20px 40px 20px 0;font-weight:600;font-size:1rem;position:relative}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"";position:absolute;right:6px;top:50%;width:10px;height:10px;border-right:2px solid var(--acento);border-bottom:2px solid var(--acento);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
details p{padding:0 0 22px;color:var(--texto-suave);font-size:.95rem}
.light details p{color:var(--tinta-suave)}
.faq-group h3{margin:30px 0 4px;font-family:Cinzel,serif;font-weight:600;color:var(--acento)}

/* ---- unidades ---- */
.units{display:grid;gap:16px;margin-top:36px}
@media(min-width:900px){.units{grid-template-columns:repeat(3,1fr)}}
.unit{border:1px solid var(--tinta-linha);border-radius:var(--raio);padding:24px;background:#fff}
.unit .tipo{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--tinta-suave)}
.unit h3{font-family:Cinzel,serif;font-weight:600;font-size:1.3rem;margin:4px 0 10px;color:var(--tinta)}
.unit address{font-style:normal;font-size:.92rem;color:var(--tinta-suave)}
.unit .acts{display:flex;gap:16px;margin-top:14px;font-size:.88rem;font-weight:600}
.unit .acts a{text-decoration:underline;text-underline-offset:3px;color:var(--tinta)}

/* ---- CTA final + formulário ---- */
.final .grid{display:grid;gap:40px}
@media(min-width:980px){.final .grid{grid-template-columns:1fr 1fr;align-items:start}}
form.cotacao{background:var(--base-2);border:1px solid var(--linha);border-radius:18px;padding:24px;display:grid;gap:14px}
@media(min-width:620px){form.cotacao{padding:32px;grid-template-columns:1fr 1fr}form.cotacao .full{grid-column:1/-1}}
label{display:flex;flex-direction:column;gap:6px;font-size:.82rem;font-weight:600;color:var(--texto-suave)}
input,select{font:inherit;font-size:1rem;color:var(--texto);background:var(--base);border:1px solid rgba(255,255,255,.22);border-radius:10px;min-height:48px;padding:0 14px}
input:focus,select:focus{outline:2px solid var(--acento);outline-offset:1px;border-color:transparent}
.consent{flex-direction:row;align-items:flex-start;gap:10px;font-weight:400;font-size:.8rem}
.consent input{min-height:auto;width:18px;height:18px;margin-top:2px;accent-color:var(--acento)}
.form-ok{display:none;font-size:.92rem;color:var(--base);background:var(--acento);border-radius:10px;padding:14px 16px;font-weight:500}
.contact-list{list-style:none;display:grid;gap:12px;margin-top:26px}
.contact-list a,.contact-list span.li{display:flex;gap:12px;align-items:center;text-decoration:none;font-weight:600;color:var(--texto)}
.contact-list .ic{width:22px;height:22px;flex:none}
.contact-list small{display:block;font-weight:400;font-size:.8rem;color:var(--texto-suave)}

/* ---- rodapé ---- */
footer.site{border-top:1px solid var(--linha);padding:56px 0 110px;font-size:.86rem;color:var(--texto-suave)}
footer.site .grid{display:grid;gap:32px}
@media(min-width:900px){footer.site .grid{grid-template-columns:1.3fr 1fr 1fr 1fr}}
footer.site h4{font-family:Cinzel,serif;color:var(--texto);font-weight:600;font-size:.95rem;margin-bottom:12px}
footer.site ul{list-style:none;display:grid;gap:6px}
footer.site a{text-decoration:none}
footer.site a:hover{color:var(--texto)}
.legal{margin-top:36px;padding-top:20px;border-top:1px solid var(--linha);font-size:.76rem;display:flex;flex-wrap:wrap;gap:8px 20px;justify-content:space-between}

/* ---- WhatsApp flutuante ---- */
.wa{position:fixed;right:16px;bottom:16px;z-index:50;display:flex;align-items:center;gap:10px;background:var(--base);color:var(--texto);border:1.5px solid var(--acento);border-radius:999px;padding:10px 18px 10px 12px;text-decoration:none;font-weight:600;font-size:.9rem;box-shadow:0 10px 30px rgba(0,0,0,.45)}
.wa svg{width:26px;height:26px;fill:var(--texto)}
.wa:focus-visible{outline:3px solid var(--acento-claro);outline-offset:3px}

/* ---- toast de simulação (WhatsApp/telefone no protótipo) ---- */
.toast{position:fixed;left:50%;bottom:86px;transform:translateX(-50%) translateY(20px);z-index:70;background:#fff;color:var(--tinta);border-radius:12px;padding:14px 18px;font-size:.86rem;max-width:min(92vw,420px);box-shadow:0 16px 40px rgba(0,0,0,.4);opacity:0;pointer-events:none;transition:opacity .2s,transform .2s}
.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
.toast b{color:var(--acento-escuro)}

/* =========================================================================
   Onda 1 — site mais vivo: movimento sóbrio, hover, guia interativo
   ========================================================================= */

/* ---- scroll reveal (classe aplicada pelo JS; sem JS, nada fica escondido) ---- */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .55s ease,transform .55s ease}
.reveal.in{opacity:1;transform:none}

/* ---- hover reforçado nos cards (modalidades viram "portas") ---- */
.card{position:relative}
.card:hover{border-color:var(--acento);transform:translateY(-3px);box-shadow:0 14px 34px rgba(0,0,0,.28)}
.light .card:hover{box-shadow:0 14px 34px rgba(23,25,38,.12)}
.card .arrow{transition:transform .2s ease}
.card:hover .arrow{transform:translateX(4px)}
.card:hover .ic{color:var(--acento-claro)}
.mini a{transition:border-color .15s,transform .15s,box-shadow .15s}
.mini a:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,0,0,.22)}
.light .mini a:hover{box-shadow:0 10px 24px rgba(23,25,38,.1)}

/* ---- guia interativo "Qual garantia você precisa?" ---- */
.guia{max-width:760px;margin:32px auto 0;background:#fff;border:1px solid var(--tinta-linha);border-radius:18px;padding:26px 24px;color:var(--tinta);box-shadow:0 18px 50px rgba(0,0,0,.3)}
.guia-bar{height:5px;background:var(--tinta-linha);border-radius:5px;overflow:hidden;margin-bottom:24px}
.guia-bar span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--acento-claro),var(--acento-escuro));transition:width .45s ease}
.guia-step h3,.guia-result h3{font-family:Montserrat,sans-serif;font-size:1.12rem;margin-bottom:16px;color:var(--tinta)}
.guia-opts{display:grid;gap:10px}
@media(min-width:620px){.guia-opts{grid-template-columns:1fr 1fr}}
.guia-opts button{text-align:left;background:#fff;border:1px solid var(--tinta-linha);border-radius:12px;padding:14px 16px;font:inherit;font-weight:600;color:var(--tinta);cursor:pointer;transition:border-color .15s,transform .15s,background .15s}
.guia-opts button:hover{border-color:var(--acento);transform:translateY(-2px);background:#fffdf7}
.guia-opts button:focus-visible{outline:3px solid var(--acento-claro);outline-offset:2px}
.guia-result p{color:var(--tinta-suave);margin-bottom:12px;font-size:.95rem}
.guia-sum{background:#fffdf7;border:1px solid var(--linha);border-radius:12px;padding:14px 16px;color:var(--tinta)!important;font-weight:600;line-height:1.5}
.guia .ctas{display:flex;flex-wrap:wrap;gap:12px;margin:4px 0 0}
.guia .btn-primary{background:var(--base);color:#fff}
.guia .btn-primary .arrow{color:var(--acento-claro)}
.guia .btn-ghost{color:var(--tinta)}
.guia-reset{margin-top:16px;background:none;border:none;color:var(--acento-escuro);font:inherit;font-weight:600;cursor:pointer;text-decoration:underline;padding:0}
.guia-nota{font-size:.82rem;color:var(--tinta-suave);margin-top:14px}

@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1!important;transform:none!important}}