:root{
  --bg:#f3f7f5; --surface:#ffffff; --surface-2:#edf7f2;
  --text:#10231c; --muted:#65756e; --line:#d8e4de;
  --brand:#087f5b; --brand-2:#12b886; --accent:#fbbf24; --ok:#12b886;
  --shadow:0 18px 45px rgba(16,35,28,.10); --radius:20px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.55}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{letter-spacing:-.03em;line-height:1.1}
.wrap{width:min(1120px,calc(100% - 32px));margin:auto}
.small{font-size:13px}.muted{color:var(--muted)}.mono{font-variant-numeric:tabular-nums}
.hide-sm{display:inline}

/* Topbar + header */
.topbar{background:#064e3b;color:#d1fae5;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding:8px 0;align-items:center}
.badge-mini{display:inline-flex;align-items:center;gap:6px}
.dot{width:8px;height:8px;border-radius:999px;background:var(--ok);display:inline-block}
header{background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10;backdrop-filter:blur(10px)}
.nav{height:68px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:19px;color:var(--text)}
.logo:hover{text-decoration:none}
.logo-mark{width:38px;height:38px;border-radius:12px;background:linear-gradient(135deg,var(--brand),var(--brand-2));display:grid;place-items:center;color:#fff;font-weight:900;box-shadow:0 8px 20px rgba(8,127,91,.25)}
nav{display:flex;gap:18px;align-items:center;font-size:14px;font-weight:700}
nav a{color:#334155}
.soon{font-size:12px;color:var(--muted);font-weight:700;border:1px dashed var(--line);border-radius:999px;padding:2px 8px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;padding:12px 18px;font-weight:800;border:1px solid transparent;cursor:pointer;font-size:15px}
.btn.primary{background:var(--brand);color:#fff;box-shadow:0 12px 24px rgba(8,127,91,.20)}
.btn.primary:hover{text-decoration:none;background:#0a6f50}
.btn.light{background:#fff;color:var(--brand);border-color:var(--line)}
.btn.light:hover{text-decoration:none}
.wide-btn{width:100%;margin-top:6px}

/* Hero */
.hero{padding:48px 0 8px;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;inset:auto -160px auto auto;top:-40px;width:460px;height:460px;background:radial-gradient(circle,#bbf7d0 0,#d1fae5 35%,transparent 68%);z-index:-1}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:#ecfdf5;color:#047857;border:1px solid #bbf7d0;border-radius:999px;padding:7px 12px;font-size:13px;font-weight:800;margin-bottom:16px}
h1{font-size:clamp(30px,4.5vw,52px);margin:0 0 16px}
.lead{font-size:18px;color:var(--muted);max-width:680px;margin:0 0 22px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}

/* Sections */
.section{padding:36px 0}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:16px;flex-wrap:wrap}
.section h2{font-size:26px;margin:0 0 6px}
.page-head{margin:6px 0 22px}

/* Cards */
.cards-3{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.vcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 10px 24px rgba(20,32,51,.05);position:relative;overflow:hidden}
.vcard:before{content:"";position:absolute;inset:0 0 auto 0;height:5px;background:linear-gradient(90deg,var(--brand),var(--brand-2),var(--accent))}
.vcard h3{font-size:21px;margin:0 0 10px;display:flex;gap:8px;align-items:center}
.vcard p{color:var(--muted);margin:0 0 8px}
.soon-card{opacity:.9}
.icon{width:46px;height:46px;border-radius:14px;background:#ecfdf5;display:grid;place-items:center;font-size:22px;margin-bottom:14px}
.list{display:grid;gap:8px;margin:14px 0 18px;padding:0;list-style:none;color:#475569;font-size:14px}
.list li{display:flex;gap:8px}.list li:before{content:"✓";color:var(--ok);font-weight:900}
.list.muted li:before{content:"•";color:var(--muted)}

/* Breadcrumb */
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:14px;display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.breadcrumb .sep{color:var(--line)}
.breadcrumb [aria-current]{color:var(--text);font-weight:700}

/* Calculadora */
.calc-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:20px;align-items:start}
.calc-card{background:var(--surface);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);padding:22px}
.calc-card h2{font-size:20px;margin:0 0 16px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-grid .wide{grid-column:1/-1}
label{display:block;font-size:12px;font-weight:800;color:#475569;margin-bottom:6px;text-transform:uppercase;letter-spacing:.04em}
.field{width:100%;background:#f8fafc;border:1px solid var(--line);border-radius:14px;padding:12px 13px;font-size:16px;font-weight:700;color:#0f172a}
.field:focus{outline:2px solid var(--brand-2);border-color:var(--brand-2)}
.seg{display:flex;gap:8px}
.seg button{flex:1;padding:11px;border-radius:12px;background:var(--surface-2);border:1px solid var(--line);font-weight:800;color:#334155;cursor:pointer;font-size:13px}
.seg button[aria-pressed="true"]{background:#ecfdf5;border-color:#86efac;color:#047857}

/* Resultado */
.result-card{background:linear-gradient(135deg,#10231c,#087f5b);color:#fff;border-radius:24px;padding:20px;box-shadow:var(--shadow)}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.rc-cell small{color:#a7f3d0;font-weight:700;display:block;font-size:12px;text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px}
.rc-cell strong{font-size:20px;letter-spacing:-.02em}
.rc-cell.highlight strong{font-size:28px}
.rc-cell.highlight{grid-column:1/-1;border-bottom:1px solid rgba(255,255,255,.15);padding-bottom:14px}

/* Painéis e tabela */
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-top:20px}
.table-scroll{max-height:520px;overflow:auto;border:1px solid var(--line);border-radius:14px}
table.amort{width:100%;border-collapse:collapse;font-size:14px;font-variant-numeric:tabular-nums}
table.amort th,table.amort td{padding:9px 12px;text-align:right;border-bottom:1px solid var(--line)}
table.amort th:first-child,table.amort td:first-child{text-align:left;color:var(--muted)}
table.amort thead th{position:sticky;top:0;background:var(--surface-2);font-size:12px;text-transform:uppercase;letter-spacing:.04em}
table.amort tbody tr:last-child td{font-weight:800}
.note p{color:#3a4a44;margin:0 0 10px}.note p:last-child{margin-bottom:0}
.callout{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;background:linear-gradient(135deg,#ecfdf5,#d1fae5);border-color:#bbf7d0}
.callout h2{margin:0 0 4px;font-size:20px}.callout p{margin:0}

/* Comparação SAC × Price (imóveis) */
.compare-wrap{display:flex;flex-direction:column;gap:14px}
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.cmp-card{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:16px;box-shadow:0 10px 24px rgba(20,32,51,.05)}
.cmp-card.sac{border-top:4px solid var(--brand)}
.cmp-card.price{border-top:4px solid var(--accent)}
.cmp-head{font-weight:800;font-size:17px;margin-bottom:10px;display:flex;flex-direction:column;gap:2px}
.cmp-tag{font-size:11px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.04em}
.cmp-row{display:flex;justify-content:space-between;align-items:baseline;gap:10px;padding:7px 0;border-bottom:1px solid var(--line);font-size:14px}
.cmp-row:last-child{border-bottom:0}
.cmp-row span{color:var(--muted)}
.cmp-row strong{font-variant-numeric:tabular-nums}
.verdict{background:var(--surface-2);border:1px solid var(--line);border-radius:14px;padding:12px 14px;margin:0;font-size:14px}
.section-head .seg{max-width:220px}

/* Footer */
footer{padding:42px 0 24px;background:#10231c;color:#d1fae5;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:28px;align-items:start}
.footer-brand{display:flex;align-items:center;gap:10px;font-weight:900;font-size:19px;color:#fff;margin-bottom:12px}
.footer-brand:hover{text-decoration:none}
.footer-mark{width:36px;height:36px;border-radius:12px;background:linear-gradient(135deg,var(--brand),var(--brand-2));display:grid;place-items:center;color:#fff;font-weight:900}
.footer-copy{font-size:14px;color:#a7f3d0;max-width:340px;margin:0 0 12px}
.footer-col h3{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:#6ee7b7;margin:0 0 12px}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.footer-col a{font-size:14px;color:#d1fae5}
.footer-bottom{border-top:1px solid rgba(209,250,229,.18);margin-top:28px;padding-top:16px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.footer-bottom a{color:#6ee7b7}

.error-page{text-align:center;padding:60px 0}
.error-page h1{font-size:64px;margin:0 0 8px}

/* Páginas de texto (institucional) */
.prose{max-width:760px}
.prose h1{font-size:clamp(28px,4vw,40px);margin:0 0 14px}
.prose .lead{font-size:18px}
.prose h2{font-size:21px;margin:30px 0 10px}
.prose p{margin:0 0 14px;color:#26352f}
.prose ul{margin:0 0 14px;padding-left:20px;display:grid;gap:7px}
.prose li{color:#26352f}
.prose a{font-weight:700}
.formula{background:#10231c;color:#d1fae5;border-radius:12px;padding:14px 16px;font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:15px;overflow-x:auto;margin:0 0 14px}
.formula sup,.formula sub{font-size:.75em}

/* Formulário de contato */
.contato-form{display:grid;gap:14px;margin:10px 0 6px;max-width:520px}
.cf-field{display:grid;gap:6px}
.cf-field label{text-transform:none;letter-spacing:0;font-size:14px;font-weight:700;color:var(--text);margin:0}
.contato-form input,.contato-form textarea{width:100%;background:#f8fafc;border:1px solid var(--line);border-radius:12px;padding:11px 13px;font-size:15px;font-family:inherit;color:var(--text)}
.contato-form input:focus,.contato-form textarea:focus{outline:2px solid var(--brand-2);border-color:var(--brand-2)}
.contato-form button{width:max-content}

/* Resultado claro (páginas por valor) */
.result-grid.plain .rc-cell small{color:var(--muted)}
.result-grid.plain .rc-cell strong{color:var(--text);font-size:22px}

/* Chips de interlinking */
.links{display:flex;gap:10px;flex-wrap:wrap;margin-top:6px}
.chip{font-size:13px;border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 12px;color:#334155;font-weight:700}
.chip:hover{text-decoration:none;border-color:var(--brand-2);color:var(--brand)}

/* FAQ (details/summary) */
.faq{margin-top:20px}
.faq h2{font-size:22px;margin:0 0 12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 16px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;padding:14px 0;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--brand);font-weight:900}
.faq details[open] summary::after{content:"−"}
.faq details p{margin:0 0 14px;color:#3a4a44}

/* Ranking de taxas (BCB) */
.ranking td.inst{text-align:left}
.ranking tbody tr.abaixo-media td{color:var(--brand)}
.ranking tbody tr.linha-media{background:var(--surface-2)}
.ranking tbody tr.linha-media td{font-weight:800;border-top:2px solid var(--line)}

/* Veredito do CET vs média BCB */
.veredito-bcb{display:flex;gap:12px;align-items:flex-start}
.veredito-bcb p{margin:0;font-size:15px}
.vb-icon{flex:0 0 auto;width:28px;height:28px;border-radius:999px;display:grid;place-items:center;font-weight:900;color:#fff}
.veredito-bcb.ok{background:#ecfdf5;border-color:#86efac}
.veredito-bcb.ok .vb-icon{background:var(--brand)}
.veredito-bcb.alerta{background:#fff7ed;border-color:#fed7aa}
.veredito-bcb.alerta .vb-icon{background:#ea580c}

/* Radar mensal */
.radar-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:8px 0 8px}
.radar-h3{font-size:13px;margin:14px 0 8px;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
.radar-top{list-style:none;margin:0;padding:0}
.radar-top li{display:flex;justify-content:space-between;gap:10px;padding:8px 0;border-bottom:1px solid var(--line);font-size:14px}
.radar-top li:last-child{border-bottom:0}
.radar-sim{display:flex;gap:22px}
.radar-sim div small{display:block;color:var(--muted);font-size:12px;text-transform:uppercase;letter-spacing:.04em}
.radar-sim div strong{font-size:20px}
@media(max-width:560px){.radar-grid{grid-template-columns:1fr}}

@media(max-width:860px){
  .calc-layout{grid-template-columns:1fr}
  .cards-3,.footer-grid{grid-template-columns:1fr}
  .hide-sm{display:none}
}
@media(max-width:520px){
  .form-grid,.result-grid{grid-template-columns:1fr}
}