:root{--navy:#1d1442;--navy2:#4630a0;--navy3:#0d0820;--ouro:#ffc83d;--ouro2:#e0a800;--bg:#ffffff;--bg2:#f5f4fa;--tx:#1a1a2e;--tx2:#4b4a63;--borda:#e4e2f0;--ok:#1f9d55;--max:1080px;--art:720px;--r:14px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--tx);font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
a{color:var(--navy2)}img{max-width:100%;height:auto}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:1.6em 0 .5em;font-weight:800;letter-spacing:-.01em}
h1{font-size:clamp(1.7rem,5.5vw,2.6rem);margin-top:.4em}h2{font-size:clamp(1.3rem,4.2vw,1.75rem)}h3{font-size:1.12rem}
p,ul,ol{margin:0 0 1.1em}li{margin:.3em 0}
.wrap{width:min(100% - 32px,var(--max));margin:0 auto}.art{width:min(100% - 32px,var(--art));margin:0 auto}
/* header */
.topo{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 2px 10px rgba(0,0,0,.18)}
.topo .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:58px}
.logo{display:flex;align-items:center;gap:9px;color:#fff;text-decoration:none;font-weight:800;font-size:1.02rem;letter-spacing:-.01em}
.logo svg{width:28px;height:28px;flex:none}.logo b{color:var(--ouro)}
.nav{display:flex;gap:6px;align-items:center}.nav a{color:#fff;text-decoration:none;font-size:.9rem;padding:7px 10px;border-radius:8px;opacity:.9}
.nav a:hover{background:rgba(255,255,255,.1)}
.btn{display:inline-block;background:var(--ouro);color:var(--navy3)!important;font-weight:800;text-decoration:none;padding:13px 22px;border-radius:999px;border:0;cursor:pointer;font-size:1rem;line-height:1.2;box-shadow:0 4px 14px rgba(255,200,61,.35);transition:transform .12s}
.btn:hover{transform:translateY(-1px);background:#ffd25c}.btn.alt{background:transparent;color:#fff!important;border:2px solid rgba(255,255,255,.55);box-shadow:none}
.btn.peq{padding:9px 14px;font-size:.9rem}.btn.bloco{display:block;text-align:center}
.nav .btn{padding:9px 14px;font-size:.9rem}
@media(max-width:640px){.nav a:not(.btn){display:none}}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,#2a1d6b 60%,var(--navy2) 100%);color:#fff;padding:44px 0 56px;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(255,200,61,.35),transparent 70%)}
.hero .wrap{position:relative;display:grid;gap:28px;grid-template-columns:1fr}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.1fr .9fr;align-items:center}}
.hero h1{color:#fff;margin:0 0 14px;font-size:clamp(1.9rem,6vw,3rem)}.hero h1 em{font-style:normal;color:var(--ouro)}
.hero p.sub{font-size:1.1rem;opacity:.92;margin-bottom:22px;max-width:34em}
.tag{display:inline-block;background:rgba(255,200,61,.16);border:1px solid rgba(255,200,61,.5);color:var(--ouro);border-radius:999px;padding:5px 12px;font-size:.82rem;font-weight:700;margin-bottom:14px}
.checks{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:8px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.checks li{padding-left:28px;position:relative;font-size:.97rem}.checks li:before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border-radius:50%;background:var(--ouro);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23000' d='M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20zm-1.2 14.6-4-4 1.4-1.4 2.6 2.6 5.6-5.6 1.4 1.4-7 7z'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23000' d='M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20zm-1.2 14.6-4-4 1.4-1.4 2.6 2.6 5.6-5.6 1.4 1.4-7 7z'/%3E%3C/svg%3E") center/contain no-repeat}
/* simulador */
.sim{background:#fff;color:var(--tx);border-radius:18px;padding:22px;box-shadow:0 18px 50px rgba(0,0,0,.28)}
.sim h2{margin:0 0 4px;font-size:1.25rem}.sim .mini{color:var(--tx2);font-size:.9rem;margin-bottom:14px}
.sim label{display:block;font-weight:700;font-size:.9rem;margin:12px 0 6px}
.sim select,.sim input[type=number]{width:100%;font:inherit;padding:11px 12px;border:1.5px solid var(--borda);border-radius:10px;background:#fff}
.sim input[type=range]{width:100%;accent-color:var(--navy2);margin:6px 0}
.sim .valor{display:flex;justify-content:space-between;align-items:baseline;font-weight:800;color:var(--navy);font-size:1.1rem}
.sim .res{background:var(--bg2);border-radius:12px;padding:14px;margin:14px 0 12px;display:grid;gap:8px;grid-template-columns:1fr 1fr}
.sim .res div{font-size:.8rem;color:var(--tx2)}.sim .res strong{display:block;font-size:1.35rem;color:var(--navy);letter-spacing:-.02em}
.sim .res .dest strong{color:var(--ok)}.sim .nota{font-size:.78rem;color:var(--tx2);margin:8px 0 0}
.sim .aviso{background:#fff6d6;border:1px solid #f1d98a;border-radius:10px;padding:10px 12px;font-size:.88rem;margin-top:10px;display:none}
/* seções */
.sec{padding:52px 0}.sec.cinza{background:var(--bg2)}.sec.escuro{background:var(--navy);color:#fff}.sec.escuro h2,.sec.escuro h3{color:#fff}
.sec h2{margin-top:0}.sec .lead{color:var(--tx2);font-size:1.08rem;max-width:40em}.sec.escuro .lead{color:rgba(255,255,255,.85)}
.grade{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));margin-top:26px}
.card{background:#fff;border:1px solid var(--borda);border-radius:var(--r);padding:20px}.card h3{margin:.2em 0 .4em;font-size:1.05rem}.card p{margin:0;color:var(--tx2);font-size:.95rem}
.sec.escuro .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14)}.sec.escuro .card p{color:rgba(255,255,255,.8)}
.num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--ouro);color:var(--navy3);font-weight:900;margin-bottom:10px}
.passos{counter-reset:p;list-style:none;padding:0;margin:26px 0 0;display:grid;gap:14px}
.passos li{position:relative;padding:16px 16px 16px 64px;background:#fff;border:1px solid var(--borda);border-radius:var(--r)}
.passos li:before{counter-increment:p;content:counter(p);position:absolute;left:16px;top:16px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--ouro);font-weight:900;display:grid;place-items:center}
.passos b{display:block;color:var(--navy)}
/* tabelas */
table{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:.95rem;display:block;overflow-x:auto}
th,td{border:1px solid var(--borda);padding:9px 11px;text-align:left;vertical-align:top}th{background:var(--bg2);color:var(--navy);font-weight:800}
tr:nth-child(even) td{background:#fbfbfe}
.tab-comp td:first-child{font-weight:700;color:var(--navy)}.tab-comp .sim-ok{color:var(--ok);font-weight:800}.tab-comp .sim-no{color:#b42318}
/* artigo */
.crumbs{font-size:.84rem;color:var(--tx2);margin:16px 0 0}.crumbs a{color:var(--tx2);text-decoration:none}.crumbs a:hover{text-decoration:underline}
.meta{color:var(--tx2);font-size:.9rem;display:flex;flex-wrap:wrap;gap:6px 14px;margin:6px 0 22px}
.meta .pil{background:var(--bg2);border-radius:999px;padding:2px 10px;color:var(--navy2);font-weight:700}
.artigo{font-size:1.06rem}.artigo h2{margin-top:1.8em;padding-top:.2em}.artigo img{border-radius:10px}
.artigo blockquote{margin:1.2em 0;padding:12px 18px;border-left:4px solid var(--ouro);background:var(--bg2);border-radius:0 10px 10px 0;color:var(--tx2)}
.artigo .toc{background:var(--bg2);border-radius:12px;padding:14px 18px;margin:0 0 1.6em;font-size:.95rem}.artigo .toc b{display:block;color:var(--navy);margin-bottom:6px}
.artigo .toc ol{margin:0;padding-left:20px}.artigo .toc a{text-decoration:none}.artigo .toc a:hover{text-decoration:underline}
.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:16px;padding:22px 22px 20px;margin:2em 0;text-align:left}
.cta h3{color:#fff;margin:0 0 6px;font-size:1.2rem}.cta p{margin:0 0 14px;color:rgba(255,255,255,.88);font-size:.98rem}.cta .btn{margin-right:8px;margin-bottom:6px}
.cta.dupla{display:grid;gap:14px}.cta.dupla>div{background:rgba(255,255,255,.07);border-radius:12px;padding:14px}
.aviso-renda{border:1px solid #f1d98a;background:#fff8e1;border-radius:12px;padding:14px 16px;font-size:.92rem;color:#5a4a00;margin:1.6em 0}
.autor{display:flex;gap:14px;align-items:flex-start;border:1px solid var(--borda);border-radius:var(--r);padding:16px;margin:2.2em 0;background:var(--bg2)}
.autor .av{width:52px;height:52px;border-radius:50%;background:var(--navy);color:var(--ouro);display:grid;place-items:center;font-weight:900;flex:none;font-size:1.2rem}
.autor b{color:var(--navy)}.autor p{margin:2px 0 0;font-size:.92rem;color:var(--tx2)}
.faq details{border-bottom:1px solid var(--borda);padding:10px 0}.faq summary{cursor:pointer;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:10px}
.faq summary:after{content:"+";color:var(--navy2);font-weight:900;font-size:1.2rem;line-height:1}.faq details[open] summary:after{content:"−"}.faq summary::-webkit-details-marker{display:none}
.faq details p{margin:8px 0 2px;color:var(--tx2)}
.relac{margin:2.4em 0}.relac h2{font-size:1.25rem;margin-bottom:.6em}
.lista-art{list-style:none;padding:0;margin:0;display:grid;gap:12px;grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
.lista-art li{border:1px solid var(--borda);border-radius:var(--r);padding:16px;background:#fff;display:flex;flex-direction:column;gap:6px}
.lista-art a.t{font-weight:800;color:var(--navy);text-decoration:none;font-size:1rem;line-height:1.3}.lista-art a.t:hover{text-decoration:underline}
.lista-art p{margin:0;font-size:.9rem;color:var(--tx2)}.lista-art small{color:var(--tx2);font-size:.78rem}
.fontes{font-size:.86rem;color:var(--tx2);margin-top:2em}.fontes ul{padding-left:18px}.fontes a{word-break:break-all}
/* blog index */
.pil-sec{margin:34px 0}.pil-sec h2{margin:0 0 4px}.pil-sec .d{color:var(--tx2);margin:0 0 14px}
/* vídeo */
.video-wrap{max-width:720px;margin:0 auto}
/* footer */
.rodape{background:var(--navy3);color:rgba(255,255,255,.78);padding:36px 0 28px;font-size:.88rem;margin-top:40px}
.rodape a{color:#fff}.rodape .cols{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.rodape h4{color:#fff;margin:0 0 8px;font-size:.95rem}.rodape ul{list-style:none;padding:0;margin:0}.rodape li{margin:4px 0}
.rodape .legal{border-top:1px solid rgba(255,255,255,.12);margin-top:22px;padding-top:16px;font-size:.8rem;line-height:1.55}
.so-mobile{display:none}@media(max-width:640px){.so-mobile{display:block}.hero{padding:30px 0 40px}.sec{padding:38px 0}}
.fixo-cta{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--borda);padding:10px 16px;z-index:30;display:none;box-shadow:0 -6px 20px rgba(0,0,0,.08)}
@media(max-width:640px){.fixo-cta.on{display:block}body.tem-fixo{padding-bottom:70px}}
.sr{position:absolute;left:-9999px}