/* =============================================
   PT Seguros — folha de estilos partilhada
   Paleta placeholder (substituir quando houver logotipo definitivo)
   ============================================= */

:root{
  --navy: #006499;
  --navy-light: #0077B3;
  --navy-lighter: #1F93D1;
  --gold: #D31820;
  --gold-light: #E8555C;
  --teal: #0081C6;
  --teal-light: #2E9FDB;
  --rose: #6B4FA0;
  --bg: #F7F8FA;
  --bg-alt: #EFF2F6;
  --text: #1c2733;
  --text-soft: #5b6b7c;
  --white: #ffffff;
  --success: #2f8f5b;
  --border: #e3e7ec;
  --shadow: 0 10px 30px rgba(0,100,153,0.08);
  --shadow-lg: 0 20px 45px rgba(0,100,153,0.14);
  --radius: 14px;
  --radius-sm: 8px;
  --max-width: 1180px;
}

*, *::before, *::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family:'Inter', 'Segoe UI', Arial, sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:'Poppins','Segoe UI',Arial,sans-serif;
  color:var(--navy);
  line-height:1.25;
  margin:0 0 .6em;
}
p{ margin:0 0 1em; color:var(--text-soft); }
.tagline-highlight{
  font-family:'Poppins',sans-serif; font-weight:700; font-size:1.15rem;
  color:var(--navy); font-style:italic; margin-top:6px;
}
a{ color:inherit; text-decoration:none; }
img{ max-width:100%; display:block; }
ul{ margin:0; padding:0; list-style:none; }
.container{
  max-width:var(--max-width);
  margin:0 auto;
  padding:0 24px;
}
.section{ padding:72px 0; }
.section-alt{ background:var(--bg-alt); }
.section-navy{ background:var(--navy); color:var(--white); }
.section-navy p{ color:#c3cede; }
.section-navy h1, .section-navy h2, .section-navy h3{ color:var(--white); }

.eyebrow{
  display:inline-block;
  font-size:.78rem;
  font-weight:700;
  letter-spacing:1.5px;
  text-transform:uppercase;
  color:var(--gold);
  background:rgba(211,24,32,0.1);
  padding:6px 14px;
  border-radius:30px;
  margin-bottom:16px;
}
.section-head{
  max-width:680px;
  margin:0 auto 48px;
  text-align:center;
}
.section-head h2{ font-size:2.1rem; }

/* ---------- Botões ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:14px 26px;
  border-radius:50px;
  font-weight:600;
  font-size:.96rem;
  cursor:pointer;
  border:2px solid transparent;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  white-space:nowrap;
}
.btn:hover{ transform:translateY(-2px); }
.btn-primary{ background:var(--gold); color:var(--white); }
.btn-primary:hover{ box-shadow:0 10px 22px rgba(211,24,32,0.35); }
.btn-outline{ background:transparent; border-color:var(--white); color:var(--white); }
.btn-outline:hover{ background:var(--white); color:var(--navy); }
.btn-navy{ background:var(--navy); color:var(--white); }
.btn-navy:hover{ box-shadow:0 10px 22px rgba(0,100,153,0.3); }
.btn-whatsapp{ background:#25D366; color:#fff; }
.btn-whatsapp:hover{ box-shadow:0 10px 22px rgba(37,211,102,0.35); }
.btn-block{ width:100%; justify-content:center; }

/* ---------- Header ---------- */
.site-header{
  position:sticky; top:0; z-index:1000;
  background:rgba(255,255,255,.96);
  backdrop-filter:blur(6px);
  border-bottom:1px solid var(--border);
}
.header-inner{
  display:flex; align-items:center; justify-content:space-between;
  padding:12px 24px;
  max-width:var(--max-width); margin:0 auto;
}
.logo img{ height:80px; width:auto; }
.footer-logo-chip{
  display:inline-block; background:var(--white); border-radius:10px;
  padding:10px 16px; margin-bottom:18px;
}
.footer-logo-chip img{ height:36px; width:auto; display:block; }
.nav-desktop{ display:flex; gap:34px; align-items:center; }
.nav-desktop a{
  font-weight:600; font-size:.95rem; color:var(--navy);
  position:relative; padding:6px 0;
}
.nav-desktop a::after{
  content:''; position:absolute; left:0; bottom:0; height:2px; width:0;
  background:var(--gold); transition:width .2s ease;
}
.nav-desktop a:hover::after, .nav-desktop a.active::after{ width:100%; }
.nav-desktop a.active{ color:var(--gold); }
.header-cta{ display:flex; align-items:center; gap:14px; }
.header-phone{ display:flex; flex-direction:column; text-align:right; font-size:.85rem; }
.header-phone span{ color:var(--text-soft); }
.header-phone strong{ color:var(--navy); font-size:1rem; }
.menu-toggle{
  display:none; background:none; border:none; cursor:pointer;
  flex-direction:column; gap:5px; padding:6px;
}
.menu-toggle span{ width:26px; height:2.5px; background:var(--navy); border-radius:2px; }
.nav-mobile{
  display:none; flex-direction:column; gap:2px;
  background:var(--white); border-top:1px solid var(--border);
}
.nav-mobile a{
  padding:16px 24px; font-weight:600; color:var(--navy);
  border-bottom:1px solid var(--border);
}
.nav-mobile .btn{ margin:16px 24px; width:calc(100% - 48px); }

/* ---------- Hero ---------- */
.hero{
  background:linear-gradient(120deg, var(--navy) 0%, var(--navy-light) 55%, var(--navy-lighter) 100%);
  color:var(--white);
  padding:90px 0 100px;
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:''; position:absolute; right:-120px; top:-120px; width:420px; height:420px;
  border-radius:50%; background:radial-gradient(circle, rgba(211,24,32,0.22), transparent 70%);
}
.hero-grid{
  display:grid; grid-template-columns:1.1fr .9fr; gap:48px; align-items:center;
  position:relative; z-index:1;
}
.hero h1{ color:var(--white); font-size:2.7rem; margin-bottom:20px; }
.hero p.lead{ color:#c9d3e0; font-size:1.1rem; max-width:520px; }
.hero-actions{ display:flex; gap:16px; flex-wrap:wrap; margin-top:30px; }
.hero-stats{ display:flex; gap:32px; margin-top:46px; flex-wrap:wrap; }
.hero-stats div strong{ display:block; font-size:1.8rem; color:var(--gold-light); font-family:'Poppins',sans-serif; }
.hero-stats div span{ font-size:.85rem; color:#b9c2cc; }
.hero-card{
  background:var(--white); border-radius:var(--radius); padding:30px;
  box-shadow:var(--shadow-lg); color:var(--text);
}
.hero-card h3{ font-size:1.15rem; }
.hero-card ul li{ display:flex; gap:10px; align-items:flex-start; margin-bottom:12px; color:var(--text-soft); font-size:.95rem; }
.hero-card ul li::before{ content:'✓'; color:var(--success); font-weight:700; }

/* ---------- Hero banner — carrossel de imagens em destaque (full-bleed) ---------- */
.hero-banner{ position:relative; width:100%; overflow:hidden; background:var(--navy); }
.hero-banner-carousel{ position:relative; height:520px; }
.hero-banner-carousel .hb-slide{
  position:absolute; inset:0; opacity:0; pointer-events:none; transition:opacity .9s ease;
}
.hero-banner-carousel .hb-slide.active{ position:relative; height:100%; opacity:1; pointer-events:auto; }
.hero-banner-carousel .hb-slide img{ width:100%; height:100%; object-fit:cover; display:block; }
.hero-banner-carousel .hb-scrim{
  position:absolute; inset:0;
  background:linear-gradient(90deg, rgba(0,40,61,.82) 0%, rgba(0,40,61,.5) 42%, rgba(0,40,61,.12) 72%, rgba(0,40,61,.05) 100%);
}
.hero-banner-carousel .hb-content{
  position:absolute; inset:0;
  display:flex; flex-direction:column; justify-content:center;
  padding:0 clamp(24px, 6vw, 90px);
  z-index:1;
}
.hb-content > *{ max-width:440px; }
.hb-content .hb-tag{
  display:inline-block; background:rgba(255,255,255,0.14); border:1px solid rgba(255,255,255,0.32);
  color:var(--white); font-size:.75rem; font-weight:700; letter-spacing:1px; text-transform:uppercase;
  padding:6px 14px; border-radius:30px; margin-bottom:16px; width:fit-content;
}
.hb-content h2{ color:var(--white); font-size:2rem; margin-bottom:12px; line-height:1.2; }
.hb-content p{ color:#e4ebf2; font-size:.98rem; margin-bottom:22px; }
.hb-content p small{ color:#b9c7d4; font-size:.76rem; font-weight:500; }
.hero-banner-dots{
  position:absolute; left:0; right:0; bottom:22px; z-index:2;
  display:flex; justify-content:center; gap:8px;
}
.hero-banner-dots .dot{
  width:9px; height:9px; border-radius:50%; border:2px solid var(--white);
  background:rgba(255,255,255,.35); padding:0; cursor:pointer; transition:background .2s ease;
}
.hero-banner-dots .dot.active{ background:var(--white); }

/* ---------- Introdução + CTAs (por baixo do carrossel) ---------- */
.hero-intro{ text-align:center; padding-bottom:56px; }
.hero-intro .hero-badge-pill{
  background:var(--bg-alt); border:1px solid var(--border); color:var(--navy);
}
.hero-intro h1{ max-width:760px; margin-left:auto; margin-right:auto; font-size:2.4rem; }
.hero-intro .lead{ max-width:620px; margin:0 auto; font-size:1.08rem; color:var(--text-soft); }
.hero-intro .hero-actions{ justify-content:center; margin-top:26px; }
.hero-intro .hero-stats{ justify-content:center; margin-top:40px; }
.hero-intro .hero-stats div{ text-align:center; }
.hero-intro .hero-stats div span{ color:var(--text-soft); }

/* ---------- Cards genéricos ---------- */
.grid{ display:grid; gap:26px; }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.grid-4{ grid-template-columns:repeat(4,1fr); }
.grid-2{ grid-template-columns:repeat(2,1fr); }

.card{
  background:var(--white); border-radius:var(--radius);
  padding:32px 26px; box-shadow:var(--shadow); border:1px solid var(--border);
  transition:transform .18s ease, box-shadow .18s ease;
}
.card:hover{ transform:translateY(-4px); box-shadow:var(--shadow-lg); }
.card .icon{
  width:56px; height:56px; border-radius:14px;
  background:rgba(211,24,32,0.12); color:var(--gold);
  display:flex; align-items:center; justify-content:center;
  font-size:1.5rem; margin-bottom:18px;
}
.card .icon img{ width:28px; height:28px; }
.bento-grid .card.bento-lg .icon{ background:rgba(255,255,255,0.12); }
.card h3{ font-size:1.1rem; margin-bottom:8px; }
.card p{ font-size:.93rem; margin-bottom:0; }
.card .card-link{ display:inline-block; margin-top:14px; font-weight:700; color:var(--navy); font-size:.9rem; }

/* ---------- Promo banner ---------- */
.promo-banner{
  background:linear-gradient(100deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius:var(--radius);
  padding:36px 40px;
  display:flex; align-items:center; justify-content:space-between; gap:24px;
  flex-wrap:wrap;
  color:var(--navy);
}
.promo-banner h3{ margin-bottom:6px; color:var(--navy); }
.promo-banner p{ color:#3c3212; margin:0; }

.promo-card{
  background:var(--white); border-radius:var(--radius); overflow:hidden;
  border:1px solid var(--border); box-shadow:var(--shadow);
  display:flex; flex-direction:column;
}
.promo-card .tag{
  background:var(--navy); color:var(--gold-light); font-size:.72rem; font-weight:700;
  letter-spacing:1px; text-transform:uppercase; padding:6px 14px; border-radius:30px;
  display:inline-block; margin-bottom:14px; width:fit-content;
}
.promo-card .promo-body{ padding:26px; flex:1; display:flex; flex-direction:column; }
.promo-card .promo-foot{
  border-top:1px dashed var(--border); padding:16px 26px;
  font-size:.82rem; color:var(--text-soft); display:flex; justify-content:space-between; align-items:center;
}

/* ---------- Equipa ---------- */
.team-card{
  background:var(--white); border-radius:var(--radius); overflow:hidden;
  border:1px solid var(--border); box-shadow:var(--shadow); text-align:center;
}
.team-card .photo{ aspect-ratio:1/1; overflow:hidden; }
.team-card .photo img{ width:100%; height:100%; object-fit:cover; }
.team-card .info{ padding:22px 18px 26px; }
.team-card h3{ font-size:1.05rem; margin-bottom:2px; }
.team-card .role{ color:var(--gold); font-weight:600; font-size:.85rem; margin-bottom:16px; }
.team-card .team-actions{ display:flex; flex-direction:column; gap:8px; }
.team-card .btn{ padding:10px 18px; font-size:.85rem; }

/* ---------- Timeline / passos ---------- */
.steps{ display:grid; grid-template-columns:repeat(4,1fr); gap:24px; counter-reset:step; }
.step{ position:relative; padding-top:10px; }
.step::before{
  counter-increment:step; content:counter(step);
  width:42px; height:42px; border-radius:50%;
  background:var(--navy); color:var(--gold-light); font-weight:700;
  display:flex; align-items:center; justify-content:center; margin-bottom:16px;
  font-family:'Poppins',sans-serif;
}

/* ---------- Formulários ---------- */
.form-card{
  background:var(--white); border-radius:var(--radius); padding:34px;
  box-shadow:var(--shadow); border:1px solid var(--border);
}
.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.field{ margin-bottom:18px; }
.field label{ display:block; font-weight:600; font-size:.88rem; margin-bottom:6px; color:var(--navy); }
.field input, .field select, .field textarea{
  width:100%; padding:12px 14px; border:1.5px solid var(--border); border-radius:var(--radius-sm);
  font-family:inherit; font-size:.95rem; color:var(--text); background:var(--bg);
  transition:border-color .15s ease;
}
.field input:focus, .field select:focus, .field textarea:focus{ outline:none; border-color:var(--gold); background:var(--white); }
.field textarea{ resize:vertical; min-height:110px; }
.field-check{ display:flex; align-items:flex-start; gap:10px; font-size:.85rem; color:var(--text-soft); }
.field-check input{ width:auto; margin-top:3px; }
.form-note{ font-size:.8rem; color:var(--text-soft); margin-top:10px; }

/* ---------- Localização ---------- */
.map-wrap{ border-radius:var(--radius); overflow:hidden; box-shadow:var(--shadow); border:1px solid var(--border); }
.map-wrap iframe{ width:100%; height:420px; border:0; display:block; }
.info-list li{ display:flex; gap:14px; padding:14px 0; border-bottom:1px solid var(--border); }
.info-list li:last-child{ border-bottom:none; }
.info-list .info-icon{
  width:42px; height:42px; border-radius:10px; background:rgba(0,100,153,0.06);
  color:var(--navy); display:flex; align-items:center; justify-content:center; flex-shrink:0; font-size:1.1rem;
}
.info-list .info-icon img{ width:20px; height:20px; }
.info-list strong{ display:block; color:var(--navy); font-size:.92rem; }
.info-list span{ font-size:.88rem; color:var(--text-soft); }

/* ---------- Placeholder badge ---------- */
.placeholder-note{
  background:#FFF6E5; border:1px dashed #C89B3C; color:#7a5a10;
  font-size:.82rem; padding:10px 16px; border-radius:var(--radius-sm); margin-bottom:18px;
}

/* ---------- FAQ / Accordion ---------- */
.accordion-item{ background:var(--white); border:1px solid var(--border); border-radius:var(--radius-sm); margin-bottom:12px; overflow:hidden; }
.accordion-item summary{
  padding:18px 20px; cursor:pointer; font-weight:700; color:var(--navy);
  display:flex; justify-content:space-between; align-items:center; list-style:none;
}
.accordion-item summary::-webkit-details-marker{ display:none; }
.accordion-item summary::after{ content:'+'; font-size:1.4rem; color:var(--gold); }
.accordion-item[open] summary::after{ content:'−'; }
.accordion-item p{ padding:0 20px 18px; margin:0; }

/* ---------- Footer ---------- */
.site-footer{ background:var(--navy); color:#c3cede; padding:64px 0 24px; }
.footer-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1.2fr; gap:40px; padding-bottom:40px; border-bottom:1px solid rgba(255,255,255,0.1); }
.site-footer h4{ color:var(--white); font-size:.95rem; margin-bottom:18px; }
.site-footer p{ color:#a9b6c7; font-size:.9rem; }
.footer-links li{ margin-bottom:10px; }
.footer-links a{ font-size:.9rem; color:#c3cede; }
.footer-links a:hover{ color:var(--gold-light); }
.footer-bottom{
  display:flex; justify-content:space-between; align-items:center; padding-top:22px;
  font-size:.8rem; color:#8b97a8; flex-wrap:wrap; gap:10px;
}
.social-row{ display:flex; gap:12px; margin-top:8px; }
.social-row a{
  width:36px; height:36px; border-radius:50%; background:rgba(255,255,255,0.08);
  display:flex; align-items:center; justify-content:center; font-size:.9rem;
}
.social-row a:hover{ background:var(--gold); color:var(--white); }

/* ---------- WhatsApp flutuante ---------- */
.whatsapp-float{
  position:fixed; right:24px; bottom:24px; z-index:1200;
  width:60px; height:60px; border-radius:50%;
  background:#25D366; color:#fff; display:flex; align-items:center; justify-content:center;
  box-shadow:0 12px 28px rgba(37,211,102,0.4); font-size:1.7rem;
  animation:pulse 2.4s infinite;
}
@keyframes pulse{
  0%{ box-shadow:0 0 0 0 rgba(37,211,102,0.5); }
  70%{ box-shadow:0 0 0 14px rgba(37,211,102,0); }
  100%{ box-shadow:0 0 0 0 rgba(37,211,102,0); }
}

/* ---------- Page hero (páginas internas) ---------- */
.page-hero{
  background:linear-gradient(120deg, var(--navy), var(--navy-light));
  color:var(--white); padding:64px 0; text-align:center;
}
.page-hero h1{ color:var(--white); margin-bottom:10px; }
.breadcrumb{ font-size:.85rem; color:#b9c2cc; }
.breadcrumb a{ color:var(--gold-light); }

/* =============================================
   Homepage — componentes ricos
   ============================================= */

/* Hero — fundo decorativo e visual flutuante */
.hero{ padding:100px 0 130px; }
.hero::before{
  content:''; position:absolute; inset:0;
  background-image:
    radial-gradient(circle at 1px 1px, rgba(255,255,255,0.08) 1px, transparent 0);
  background-size:26px 26px;
  opacity:.5;
}
.hero-badge-pill{
  display:inline-flex; align-items:center; gap:8px;
  background:rgba(255,255,255,0.08); border:1px solid rgba(255,255,255,0.18);
  padding:7px 16px 7px 8px; border-radius:40px; font-size:.8rem; color:#dfe6ee;
  margin-bottom:18px;
}
.hero-badge-pill .dot{
  width:24px; height:24px; border-radius:50%; background:var(--gold);
  color:var(--white); display:flex; align-items:center; justify-content:center; font-size:.75rem; font-weight:800;
}
.hero-visual{
  position:relative; z-index:1; height:420px;
  display:flex; align-items:center; justify-content:center;
}
.hero-visual .shield-core{
  width:230px; height:230px; border-radius:50%;
  background:radial-gradient(circle at 35% 30%, rgba(255,255,255,0.18), rgba(255,255,255,0.02) 60%);
  border:1px solid rgba(255,255,255,0.18);
  display:flex; align-items:center; justify-content:center;
}
.hero-visual .shield-core img{ width:92px; height:92px; }
.float-badge{
  position:absolute; background:var(--white); border-radius:16px; padding:14px 18px;
  box-shadow:var(--shadow-lg); display:flex; align-items:center; gap:12px; color:var(--text);
  font-weight:700; font-size:.88rem; animation:floaty 5s ease-in-out infinite;
}
.float-badge .fb-icon{
  width:38px; height:38px; border-radius:10px; display:flex; align-items:center; justify-content:center;
}
.float-badge .fb-icon img{ width:20px; height:20px; }
.float-badge.fb-1{ top:6%; left:0; animation-delay:0s; }
.float-badge.fb-1 .fb-icon{ background:rgba(211,24,32,0.15); color:var(--gold); }
.float-badge.fb-2{ top:38%; right:0; animation-delay:1.2s; }
.float-badge.fb-2 .fb-icon{ background:rgba(0,129,198,0.15); color:var(--teal); }
.float-badge.fb-3{ bottom:8%; left:8%; animation-delay:2.4s; }
.float-badge.fb-3 .fb-icon{ background:rgba(107,79,160,0.15); color:var(--rose); }
@keyframes floaty{
  0%, 100%{ transform:translateY(0); }
  50%{ transform:translateY(-12px); }
}

/* Trust bar */
.trust-bar{ background:var(--white); border-bottom:1px solid var(--border); }
.trust-bar .container{
  display:flex; flex-wrap:wrap; gap:18px; justify-content:space-between; align-items:center;
  padding:26px 24px;
}
.trust-item{ display:flex; align-items:center; gap:12px; flex:1; min-width:200px; }
.trust-item .ti-icon{
  width:44px; height:44px; border-radius:12px; background:var(--bg-alt); color:var(--navy);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.trust-item .ti-icon img{ width:22px; height:22px; }
.trust-item strong{ display:block; font-size:.88rem; color:var(--navy); }
.trust-item span{ font-size:.78rem; color:var(--text-soft); }

/* Bento services grid */
.bento-grid{ display:grid; grid-template-columns:repeat(6,1fr); gap:22px; }
.bento-grid .card{ grid-column:span 2; display:flex; flex-direction:column; }
.bento-grid .card.bento-lg{
  grid-column:span 3; grid-row:span 2; justify-content:center;
  background:linear-gradient(150deg, var(--navy) 0%, var(--navy-light) 100%); color:var(--white);
  position:relative; overflow:hidden;
}
.bento-grid .card.bento-lg::after{
  content:''; position:absolute; right:-60px; bottom:-60px; width:220px; height:220px; border-radius:50%;
  background:radial-gradient(circle, rgba(211,24,32,0.25), transparent 70%);
}
.bento-grid .card.bento-lg h3{ color:var(--white); font-size:1.4rem; position:relative; z-index:1; }
.bento-grid .card.bento-lg p{ color:#c9d3e0; position:relative; z-index:1; }
.bento-grid .card.bento-lg .icon{ background:rgba(255,255,255,0.12); color:var(--gold-light); position:relative; z-index:1; }
.bento-grid .card.bento-lg .card-link{ color:var(--gold-light); position:relative; z-index:1; }

/* Bento — variante com fotografia real */
.bento-grid .card.photo-tile{
  position:relative; padding:0; overflow:hidden; color:var(--white);
  display:flex; flex-direction:column; justify-content:flex-end; min-height:230px;
  background:var(--navy);
}
.bento-grid .card.bento-lg.photo-tile{ min-height:100%; }
.bento-grid .card.photo-tile > img{
  position:absolute; inset:0; width:100%; height:100%; object-fit:cover; z-index:0;
  transition:transform .5s ease;
}
.bento-grid .card.photo-tile:hover > img{ transform:scale(1.06); }
.bento-grid .card.photo-tile::after{
  content:''; position:absolute; inset:0; z-index:1;
  background:linear-gradient(180deg, rgba(0,100,153,0.05) 30%, rgba(0,100,153,0.94) 100%);
}
.bento-grid .card.photo-tile .pf-content{ position:relative; z-index:2; padding:24px; }
.bento-grid .card.photo-tile h3{ color:var(--white); margin-bottom:4px; }
.bento-grid .card.photo-tile p{ color:#dfe6ee; font-size:.86rem; margin-bottom:0; }
.bento-grid .card.photo-tile .card-link{ color:var(--gold-light); }

/* ---------- Fotografias de serviço (servicos.html) ---------- */
.photo-card{
  background:var(--white); border-radius:var(--radius); overflow:hidden;
  border:1px solid var(--border); box-shadow:var(--shadow);
  display:flex; flex-direction:column;
  transition:transform .18s ease, box-shadow .18s ease;
}
.photo-card:hover{ transform:translateY(-4px); box-shadow:var(--shadow-lg); }
.photo-card .photo-card-img{ aspect-ratio:4/3; overflow:hidden; }
.photo-card .photo-card-img img{ width:100%; height:100%; object-fit:cover; display:block; transition:transform .4s ease; }
.photo-card .photo-card-img.contain{
  background:var(--white); display:flex; align-items:center; justify-content:center;
}
.photo-card .photo-card-img.contain img{
  width:auto; height:auto; max-width:78%; max-height:78%; object-fit:contain;
}
.photo-card:hover .photo-card-img img{ transform:scale(1.07); }
.photo-card .photo-card-body{ padding:24px 22px 26px; flex:1; display:flex; flex-direction:column; }
.photo-card h3{ font-size:1.06rem; margin-bottom:8px; }
.photo-card p{ font-size:.92rem; margin-bottom:0; flex:1; }
.photo-card .card-link{ display:inline-block; margin-top:14px; font-weight:700; color:var(--navy); font-size:.9rem; }
.photo-card .card-link-row{ display:flex; flex-direction:column; gap:6px; margin-top:14px; }
.photo-card .card-link-row .card-link{ margin-top:0; }
.photo-card .card-link-row .card-link-alt{ color:var(--text-soft); font-weight:600; }

/* ---------- Parcerias — destaque individual por parceiro ---------- */
.partner-spotlight{
  display:grid; grid-template-columns:1fr 1fr; align-items:center; gap:56px;
  padding:44px 0;
  border-bottom:1px solid var(--border);
}
.partner-spotlight:last-child{ border-bottom:none; }
.partner-spotlight.reverse .ps-media{ order:2; }
.partner-spotlight.reverse .ps-content{ order:1; }
.ps-media{
  position:relative; border-radius:var(--radius); overflow:hidden;
  aspect-ratio:4/3; box-shadow:var(--shadow-lg);
}
.ps-media img{ width:100%; height:100%; object-fit:cover; display:block; }
.ps-media.ps-logo-frame{
  background:linear-gradient(135deg, var(--bg-alt) 0%, #e2e8ee 100%);
  display:flex; align-items:center; justify-content:center;
}
.ps-media.ps-logo-frame img{
  width:auto; height:auto; max-width:50%; max-height:50%; object-fit:contain;
}
.ps-content .ps-tag{
  display:inline-flex; align-items:center; gap:6px; width:fit-content;
  background:rgba(0,100,153,0.08); border:1px solid rgba(0,100,153,0.22); color:var(--navy);
  font-size:.76rem; font-weight:700; letter-spacing:.5px; text-transform:uppercase;
  padding:6px 14px; border-radius:30px; margin-bottom:16px;
}
.ps-content h3{ font-size:1.55rem; margin-bottom:14px; }
.ps-content p{ font-size:.98rem; }
.ps-content .ps-facts{
  display:flex; flex-wrap:wrap; gap:9px 24px; margin:18px 0 26px;
  font-size:.85rem; color:var(--text-soft);
}
.ps-content .ps-facts strong{ color:var(--navy); }

/* ---------- Seguro Casa — planos, tabela de coberturas, benefícios ---------- */
.plan-tiers{
  display:grid; grid-template-columns:repeat(3,1fr); gap:26px; align-items:stretch;
}
.plan-card{
  position:relative; background:var(--white); border:1px solid var(--border); border-radius:var(--radius);
  padding:32px 28px; box-shadow:var(--shadow); display:flex; flex-direction:column;
}
.plan-card.featured{
  border-color:var(--navy); box-shadow:var(--shadow-lg); transform:translateY(-6px);
}
.plan-card .plan-flag{
  position:absolute; top:-13px; left:50%; transform:translateX(-50%);
  background:var(--gold); color:var(--white); font-size:.72rem; font-weight:700; letter-spacing:.5px;
  text-transform:uppercase; padding:5px 16px; border-radius:30px; white-space:nowrap;
}
.plan-card-head{ margin-bottom:14px; }
.plan-card .plan-name{ display:block; font-family:'Poppins',sans-serif; font-weight:700; font-size:1.5rem; color:var(--navy); }
.plan-card .plan-sub{ display:block; font-size:.84rem; color:var(--text-soft); font-weight:600; margin-top:2px; }
.plan-card p{ font-size:.92rem; }
.plan-card .plan-highlights{ list-style:none; padding:0; margin:0 0 24px; flex:1; }
.plan-card .plan-highlights li{
  position:relative; padding-left:24px; margin-bottom:10px; font-size:.88rem; color:var(--text-soft);
}
.plan-card .plan-highlights li::before{
  content:'✓'; position:absolute; left:0; top:0; color:var(--gold); font-weight:700;
}
.plan-card .btn{ align-self:flex-start; }

.coverage-table-wrap{ overflow-x:auto; border:1px solid var(--border); border-radius:var(--radius); }
table.coverage-table{ width:100%; border-collapse:collapse; font-size:.85rem; min-width:640px; }
table.coverage-table thead th{
  background:var(--navy); color:var(--white); text-align:center; padding:14px 12px;
  font-weight:700; font-size:.8rem; letter-spacing:.3px;
}
table.coverage-table thead th.ct-name, table.coverage-table td.ct-name{ text-align:left; }
table.coverage-table tbody td{ padding:11px 12px; border-bottom:1px solid var(--border); text-align:center; color:var(--text-soft); }
table.coverage-table tbody td.ct-name{ color:var(--navy); font-weight:500; }
table.coverage-table tr.ct-group td{
  background:var(--bg-alt); color:var(--navy); font-weight:700; font-size:.78rem;
  letter-spacing:.4px; text-transform:uppercase; text-align:left; padding:10px 12px;
}
table.coverage-table tr.ct-group .ct-group-note{ text-transform:none; font-weight:500; letter-spacing:0; color:var(--text-soft); }
table.coverage-table td.ct-yes{ color:var(--navy); font-weight:700; }
table.coverage-table td.ct-opt{ color:#b8860b; font-weight:600; font-size:.78rem; }
table.coverage-table td.ct-no{ color:#c3ccd6; }
table.coverage-table tbody tr:hover td{ background:rgba(0,100,153,0.04); }
table.coverage-table tbody tr.ct-group:hover td{ background:var(--bg-alt); }

.benefit-card{
  background:var(--white); border:1px solid var(--border); border-radius:var(--radius);
  padding:26px 24px; box-shadow:var(--shadow);
}
.benefit-card h3{ font-size:1.02rem; margin-bottom:10px; color:var(--navy); }
.benefit-card p{ font-size:.9rem; margin-bottom:0; }

/* ---------- Promoção em destaque (estilo showcase / carrossel) ---------- */
.promo-carousel{ position:relative; }
.promo-carousel .promo-feature{
  position:absolute; inset:0; width:100%;
  opacity:0; pointer-events:none;
  transition:opacity .6s ease;
}
.promo-carousel .promo-feature.active{
  position:relative; opacity:1; pointer-events:auto;
}
.carousel-dots{
  display:flex; justify-content:center; gap:10px; margin-top:22px;
}
.carousel-dots .dot{
  width:11px; height:11px; border-radius:50%; border:2px solid var(--gold);
  background:transparent; padding:0; cursor:pointer; transition:background .2s ease;
}
.carousel-dots .dot.active{ background:var(--gold); }
.promo-feature{
  position:relative; border-radius:var(--radius); overflow:hidden;
  display:grid; grid-template-columns:1fr 1.15fr; align-items:stretch;
  box-shadow:var(--shadow-lg); min-height:300px; background:var(--navy);
}
.promo-feature .pf-photo{ position:relative; overflow:hidden; }
.promo-feature .pf-photo img{ width:100%; height:100%; object-fit:cover; display:block; }
.promo-feature .pf-photo::after{
  content:''; position:absolute; inset:0;
  background:linear-gradient(90deg, rgba(0,100,153,0) 70%, var(--navy) 100%);
}
.promo-feature .pf-text{ padding:46px 46px; display:flex; flex-direction:column; justify-content:center; color:var(--white); }
.promo-feature .pf-tag{
  display:inline-flex; align-items:center; gap:6px; width:fit-content;
  background:rgba(211,24,32,0.16); border:1px solid rgba(211,24,32,0.4); color:var(--gold-light);
  font-size:.78rem; font-weight:700; letter-spacing:.5px; text-transform:uppercase;
  padding:6px 14px; border-radius:30px; margin-bottom:18px;
}
.promo-feature .pf-discount{
  font-family:'Poppins',sans-serif; font-weight:800; font-size:3.2rem; line-height:1; color:var(--gold-light);
  margin-bottom:14px;
}
.promo-feature .pf-discount span{ display:block; font-size:1.05rem; font-weight:600; color:var(--white); margin-top:8px; }
.promo-feature .pf-discount small{ display:block; font-size:.68rem; font-weight:500; color:#c9d3e0; margin-top:6px; }
.promo-feature p{ color:#c9d3e0; max-width:440px; }

/* ---------- Hero — moldura fotográfica + selo de promoção ---------- */
.hero-visual .hero-photo-frame{
  width:100%; height:100%; border-radius:24px; overflow:hidden;
  box-shadow:var(--shadow-lg); border:4px solid rgba(255,255,255,0.14);
}
.hero-visual .hero-photo-frame img{ width:100%; height:100%; object-fit:cover; display:block; }
.hero-visual .hero-carousel{
  width:100%; height:100%; border-radius:24px; overflow:hidden;
  box-shadow:var(--shadow-lg); border:4px solid rgba(255,255,255,0.14);
  position:relative;
}
.hero-visual .hero-carousel .hero-slide{
  position:absolute; inset:0; width:100%; height:100%;
  opacity:0; pointer-events:none; transition:opacity .9s ease;
}
.hero-visual .hero-carousel .hero-slide.active{
  position:relative; opacity:1; pointer-events:auto;
}
.hero-visual .hero-carousel .hero-slide img{ width:100%; height:100%; object-fit:cover; display:block; }
.hero-visual .hero-carousel .hs-caption{
  position:absolute; left:0; right:0; bottom:0;
  background:linear-gradient(0deg, rgba(0,63,92,.88) 0%, rgba(0,63,92,0) 100%);
  color:var(--white); padding:40px 22px 34px; font-weight:700; font-size:1rem;
  font-family:'Poppins',sans-serif;
}
.hero-visual .hero-carousel-dots{
  position:absolute; left:0; right:0; bottom:14px; z-index:3;
  display:flex; justify-content:center; gap:8px;
}
.hero-visual .hero-carousel-dots .dot{
  width:9px; height:9px; border-radius:50%; border:2px solid var(--white);
  background:rgba(255,255,255,.35); padding:0; cursor:pointer; transition:background .2s ease;
}
.hero-visual .hero-carousel-dots .dot.active{ background:var(--white); }
.visual-graphic{
  width:100%; height:100%;
  display:flex; align-items:center; justify-content:center;
  background:linear-gradient(135deg, var(--navy) 0%, var(--teal) 100%);
}
.visual-graphic img{
  width:34%; max-width:150px; height:auto;
  filter:brightness(0) invert(1); opacity:.94;
}
.photo-card .photo-card-img .visual-graphic img{ width:30%; max-width:90px; }
.hero-visual .promo-circle{
  position:absolute; bottom:-16px; right:-16px; z-index:2;
  width:112px; height:112px; border-radius:50%;
  background:var(--gold); color:var(--white); border:4px solid var(--white);
  display:flex; flex-direction:column; align-items:center; justify-content:center; text-align:center;
  box-shadow:var(--shadow-lg); font-family:'Poppins',sans-serif;
  animation:floaty 5s ease-in-out infinite; animation-delay:.6s;
}
.hero-visual .promo-circle strong{ font-size:1.55rem; line-height:1; }
.hero-visual .promo-circle span{ font-size:.6rem; font-weight:700; text-transform:uppercase; letter-spacing:.4px; margin-top:2px; }
.hero-visual .promo-circle small{ display:block; font-size:.44rem; font-weight:500; text-transform:none; letter-spacing:0; opacity:.85; margin-top:1px; }

/* Porquê escolher-nos */
.why-wrap{ display:grid; grid-template-columns:.9fr 1.1fr; gap:56px; align-items:center; }
.why-visual{
  position:relative; aspect-ratio:4/3.4; width:100%;
}
.why-visual .wv-bg{
  position:absolute; inset:0; border-radius:var(--radius); overflow:hidden; box-shadow:var(--shadow-lg);
  background:linear-gradient(150deg, var(--navy), var(--navy-light));
  display:flex; align-items:center; justify-content:center;
}
.why-visual .wv-bg img{ width:100%; height:100%; object-fit:cover; display:block; }
.why-visual .wv-bg::after{
  content:''; position:absolute; inset:0;
  background:linear-gradient(150deg, rgba(0,100,153,0.6), rgba(0,100,153,0.15));
}
.why-visual .wv-ring{
  width:200px; height:200px; border-radius:50%; border:2px dashed rgba(211,24,32,0.5);
  display:flex; align-items:center; justify-content:center;
}
.why-visual .wv-ring img{ width:64px; height:64px; }
.why-visual .wv-stat{
  position:absolute; background:var(--white); color:var(--navy); border-radius:14px; padding:14px 18px;
  box-shadow:var(--shadow-lg); text-align:center;
}
.why-visual .wv-stat strong{ display:block; font-size:1.4rem; font-family:'Poppins',sans-serif; color:var(--gold); }
.why-visual .wv-stat span{ font-size:.72rem; color:var(--text-soft); }
.why-visual .wv-stat.wv-1{ top:12%; left:-8%; }
.why-visual .wv-stat.wv-2{ bottom:10%; right:-8%; }
.why-list{ display:flex; flex-direction:column; gap:22px; }
.why-list li{ display:flex; gap:18px; }
.why-list .wl-num{
  width:46px; height:46px; border-radius:12px; background:var(--bg-alt); color:var(--navy);
  display:flex; align-items:center; justify-content:center; font-weight:800; font-family:'Poppins',sans-serif;
  flex-shrink:0; font-size:1.05rem;
}
.why-list h4{ margin:0 0 4px; font-size:1.02rem; color:var(--navy); }
.why-list p{ margin:0; font-size:.92rem; }

/* Testemunhos */
.testimonial-card{
  background:var(--white); border-radius:var(--radius); padding:30px; border:1px solid var(--border);
  box-shadow:var(--shadow); display:flex; flex-direction:column; height:100%;
}
.testimonial-card .stars{ color:var(--gold); letter-spacing:2px; margin-bottom:14px; font-size:.95rem; }
.testimonial-card p.quote{ font-style:italic; color:var(--text); flex:1; }
.testimonial-card .t-author{ display:flex; align-items:center; gap:12px; margin-top:18px; }
.testimonial-card .t-avatar{
  width:44px; height:44px; border-radius:50%; background:var(--navy); color:var(--white);
  display:flex; align-items:center; justify-content:center; font-weight:700; font-family:'Poppins',sans-serif;
}
.testimonial-card .t-author strong{ display:block; font-size:.88rem; color:var(--navy); }
.testimonial-card .t-author span{ font-size:.76rem; color:var(--text-soft); }

/* Steps com linha de ligação */
.steps.steps-line{ position:relative; }
.steps.steps-line::before{
  content:''; position:absolute; top:21px; left:12.5%; right:12.5%; height:2px;
  background:repeating-linear-gradient(90deg, var(--border) 0 8px, transparent 8px 16px);
  z-index:0;
}
.steps.steps-line .step{ position:relative; z-index:1; }
.steps.steps-line .step::before{ background:var(--white); border:2px solid var(--navy); color:var(--navy); }

/* Team preview (mini) */
.team-preview{ display:flex; justify-content:center; gap:-10px; margin-bottom:20px; }
.team-preview .tp-avatar{
  width:64px; height:64px; border-radius:50%; border:3px solid var(--white); box-shadow:var(--shadow);
  margin-left:-14px; overflow:hidden; background:var(--navy);
}
.team-preview .tp-avatar:first-child{ margin-left:0; }
.team-preview .tp-avatar img{ width:100%; height:100%; object-fit:cover; }

/* Faixa de parceiro / certificação */
.partner-strip{
  display:flex; align-items:center; justify-content:center; gap:40px; flex-wrap:wrap;
  padding:34px 0; opacity:.85;
}
.partner-strip .partner-badge{
  display:flex; align-items:center; gap:10px; font-weight:700; color:var(--navy); font-size:.95rem;
  padding:10px 20px; border:1px solid var(--border); border-radius:40px; background:var(--white);
}

/* ---------- Utilities ---------- */
.text-center{ text-align:center; }
.mt-0{ margin-top:0; }
.mb-0{ margin-bottom:0; }

/* =============================================
   Responsivo
   ============================================= */
@media (max-width: 980px){
  .hero-grid{ grid-template-columns:1fr; }
  .grid-4{ grid-template-columns:repeat(2,1fr); }
  .grid-3{ grid-template-columns:repeat(2,1fr); }
  .steps{ grid-template-columns:repeat(2,1fr); }
  .footer-grid{ grid-template-columns:1fr 1fr; }
  .hero-visual{ height:320px; margin-top:20px; }
  .hero-banner-carousel{ height:440px; }
  .hb-content h2{ font-size:1.6rem; }
  .bento-grid{ grid-template-columns:repeat(2,1fr); }
  .bento-grid .card, .bento-grid .card.bento-lg{ grid-column:span 1; grid-row:auto; }
  .why-wrap{ grid-template-columns:1fr; }
  .why-visual{ max-width:420px; margin:0 auto; }
  .steps.steps-line::before{ display:none; }
  .promo-feature{ grid-template-columns:1fr; }
  .promo-feature .pf-photo{ height:220px; }
  .promo-feature .pf-photo::after{ background:linear-gradient(180deg, rgba(0,100,153,0) 60%, var(--navy) 100%); }
  .promo-feature .pf-text{ padding:36px 32px; }
  .partner-spotlight{ gap:34px; }
  .plan-tiers{ grid-template-columns:1fr; max-width:460px; margin:0 auto; }
  .plan-card.featured{ transform:none; order:-1; }
}

@media (max-width: 760px){
  .nav-desktop, .header-phone{ display:none; }
  .menu-toggle{ display:flex; }
  .nav-mobile.open{ display:flex; }
  .hero h1{ font-size:2.1rem; }
  .grid-4, .grid-3, .grid-2{ grid-template-columns:1fr; }
  .steps{ grid-template-columns:1fr; }
  .form-row{ grid-template-columns:1fr; }
  .footer-grid{ grid-template-columns:1fr; gap:28px; }
  .promo-banner{ flex-direction:column; align-items:flex-start; }
  .section{ padding:52px 0; }
  .map-wrap iframe{ height:300px; }
  .hero{ padding:64px 0 80px; }
  .hero-visual{ height:260px; }
  .float-badge{ padding:10px 14px; font-size:.78rem; }
  .float-badge .fb-icon{ width:32px; height:32px; font-size:1rem; }
  .bento-grid{ grid-template-columns:1fr; }
  .trust-bar .container{ flex-direction:column; align-items:flex-start; }
  .partner-strip{ gap:16px; }
  .hero-visual .promo-circle{ width:82px; height:82px; bottom:-10px; right:-10px; border-width:3px; }
  .hero-visual .promo-circle strong{ font-size:1.15rem; }
  .hero-visual .promo-circle span{ font-size:.5rem; }
  .promo-feature .pf-discount{ font-size:2.4rem; }
  .hero-banner-carousel{ height:400px; }
  .hb-content > *{ max-width:100%; }
  .hb-content h2{ font-size:1.35rem; }
  .hb-content p{ font-size:.88rem; margin-bottom:16px; }
  .hero-intro h1{ font-size:1.7rem; }
  .hero-intro .hero-stats{ gap:22px; }
  .partner-spotlight{ grid-template-columns:1fr; gap:22px; padding:30px 0; }
  .partner-spotlight.reverse .ps-media{ order:1; }
  .partner-spotlight.reverse .ps-content{ order:2; }
  .ps-media{ aspect-ratio:16/10; }
  .ps-content h3{ font-size:1.32rem; }
}