/* ============================================================
   POLARIS CONSÓRCIOS — LANDING PAGE (REPAGINAÇÃO PREMIUM)
   Identidade: Navy #242845 · Creme #F7F3EA · Acento dourado
   Marca principal: Polaris · Atuação multimarcas
   ============================================================ */

/* ------------------------------------------------------------
   DESIGN TOKENS
   ------------------------------------------------------------ */
:root {
  /* Marca Polaris */
  --navy:        #242845;
  --navy-700:    #2E3358;
  --navy-600:    #3B4170;
  --navy-900:    #1A1D33;
  --navy-ink:    #1E2138;

  /* Superfícies */
  --bg:          #F7F3EA;   /* creme principal */
  --bg-alt:      #FBF8F1;   /* warm white p/ seções alternadas */
  --surface:     #FFFFFF;
  --surface-2:   #FCFAF5;

  /* Texto */
  --ink:         #232539;
  --ink-soft:    #6B6757;
  --ink-mute:    #908B7B;
  --on-navy:        #FFFFFF;
  --on-navy-soft:   rgba(255,255,255,0.68);
  --on-navy-mute:   rgba(255,255,255,0.42);

  /* Acento dourado (uso discreto) */
  --gold:        #B0894B;
  --gold-deep:   #9A763B;
  --gold-soft:   rgba(176,137,75,0.12);

  /* Linhas */
  --line:        rgba(36,40,69,0.10);
  --line-strong: rgba(36,40,69,0.18);
  --line-navy:   rgba(255,255,255,0.12);

  /* WhatsApp */
  --wpp:         #25D366;
  --wpp-dark:    #1FB457;

  /* Raio */
  --r-xs: 6px;
  --r-sm: 10px;
  --r-md: 16px;
  --r-lg: 24px;
  --r-pill: 999px;

  /* Sombra */
  --sh-sm:   0 2px 12px rgba(36,40,69,0.06);
  --sh-md:   0 14px 34px rgba(36,40,69,0.10);
  --sh-lg:   0 28px 64px rgba(36,40,69,0.16);
  --sh-navy: 0 18px 44px rgba(26,29,51,0.30);

  /* Transições */
  --t-fast: 0.16s ease;
  --t:      0.28s cubic-bezier(0.4,0,0.2,1);

  /* Tipografia */
  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body:    'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Layout */
  --maxw: 1160px;

  /* ---- LEGADO (usado por politica-de-privacidade.html) ---- */
  --red:#EC0000; --red-dark:#CC0000; --red-deep:#A80000;
  --black:#1A1A1A; --black-deep:#0D0D0D; --white:#FFFFFF;
  --off-white:#F9F9F9; --grey-light:#F2F2F2; --grey-mid:#DEDEDE;
  --grey-text:#666666; --grey-dark:#444444;
  --font-head: var(--font-display); --font-text: var(--font-body);
  --radius-xs:4px; --radius-sm:6px; --radius-md:10px; --radius-lg:16px;
  --shadow-sm: var(--sh-sm); --shadow-md: var(--sh-md); --shadow-lg: var(--sh-lg);
}

/* ------------------------------------------------------------
   RESET & BASE
   ------------------------------------------------------------ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; color: inherit; }
input, select, textarea { font-family: inherit; }
strong { font-weight: 600; color: inherit; }

/* ------------------------------------------------------------
   ACESSIBILIDADE
   ------------------------------------------------------------ */
.skip-link {
  position: absolute; top: -200px; left: 16px; z-index: 2000;
  background: var(--navy); color: #fff;
  font-family: var(--font-body); font-size: 0.9rem; font-weight: 600;
  padding: 12px 20px; border-radius: var(--r-sm); box-shadow: var(--sh-md);
  transition: top var(--t);
}
.skip-link:focus { top: 16px; outline: 2px solid var(--gold); outline-offset: 2px; }

a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--gold); outline-offset: 2px; border-radius: var(--r-xs);
}
.form-input:focus-visible, .form-select:focus-visible { outline: none; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important; animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important; scroll-behavior: auto !important;
  }
  [data-animate] { opacity: 1 !important; transform: none !important; }
  .loader-orbit, .loader-orbit-2 { animation: none !important; }
}

/* ------------------------------------------------------------
   TELA DE LOADING
   ------------------------------------------------------------ */
.loader {
  position: fixed; inset: 0; z-index: 3000; background: var(--navy-900);
  display: grid; place-items: center;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}
.loader.hide { opacity: 0; visibility: hidden; }
.loader-inner { display: flex; flex-direction: column; align-items: center; gap: 30px; }
.loader-badge { position: relative; display: grid; place-items: center; width: 150px; height: 150px; }
.loader-orbit {
  position: absolute; width: 150px; height: 150px; border-radius: 50%;
  border: 2px solid transparent; border-top-color: var(--gold);
  border-right-color: rgba(176,137,75,0.30);
  animation: loader-spin 1.1s linear infinite;
}
.loader-orbit-2 {
  width: 116px; height: 116px; border-top-color: transparent;
  border-right-color: transparent; border-bottom-color: rgba(255,255,255,0.55);
  border-left-color: rgba(255,255,255,0.14);
  animation: loader-spin 1.5s linear infinite reverse;
}
@keyframes loader-spin { to { transform: rotate(360deg); } }
.loader-logo {
  height: 42px; width: auto; opacity: 0;
  animation: loader-logo-in 0.7s cubic-bezier(0.16,1,0.3,1) 0.1s forwards;
}
@keyframes loader-logo-in { from { opacity: 0; transform: translateY(8px) scale(0.96); } to { opacity: 1; transform: none; } }
.loader-bar { width: 150px; height: 3px; background: rgba(255,255,255,0.12); border-radius: 2px; overflow: hidden; }
.loader-bar span { display: block; height: 100%; width: 0; border-radius: 2px;
  background: linear-gradient(90deg, var(--gold-deep), var(--gold));
  animation: loader-bar 1.35s cubic-bezier(0.4,0,0.2,1) 0.1s forwards; }
@keyframes loader-bar { 0% { width: 0; } 70% { width: 82%; } 100% { width: 100%; } }
@media (max-width: 480px) {
  .loader-badge { width: 124px; height: 124px; }
  .loader-orbit { width: 124px; height: 124px; }
  .loader-orbit-2 { width: 94px; height: 94px; }
  .loader-logo { height: 34px; }
  .loader-bar { width: 124px; }
}

/* ------------------------------------------------------------
   TIPOGRAFIA
   ------------------------------------------------------------ */
h1, h2, h3, h4, h5 { font-family: var(--font-display); font-weight: 600; line-height: 1.12; letter-spacing: -0.01em; color: var(--ink); }
p { line-height: 1.7; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-body); font-size: 0.72rem; font-weight: 600;
  letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--gold-deep); margin-bottom: 16px;
}
.eyebrow-center { justify-content: center; }
.eyebrow-star { width: 14px; height: 14px; fill: var(--gold); flex-shrink: 0; }

.section-title {
  font-size: clamp(1.7rem, 3.4vw, 2.6rem);
  margin-bottom: 16px; color: var(--ink);
}
.section-sub {
  font-size: clamp(1rem, 1.4vw, 1.12rem);
  color: var(--ink-soft); line-height: 1.7; max-width: 620px;
}

/* ------------------------------------------------------------
   LAYOUT
   ------------------------------------------------------------ */
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.section { padding: clamp(64px, 9vw, 104px) 0; }
.section-alt { background: var(--bg-alt); }
.section-head { max-width: 680px; margin: 0 auto clamp(40px, 6vw, 64px); text-align: center; }
.section-head-left { margin-left: 0; margin-right: 0; text-align: left; }
.section-head-left .section-sub { margin-left: 0; }
.section-head .section-sub { margin: 0 auto; }

.grid { display: grid; gap: 22px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }

/* ------------------------------------------------------------
   BOTÕES
   ------------------------------------------------------------ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-body); font-weight: 600; font-size: 0.95rem;
  line-height: 1; letter-spacing: 0.01em;
  padding: 14px 24px; border-radius: var(--r-sm);
  transition: transform var(--t-fast), background var(--t), color var(--t), box-shadow var(--t), border-color var(--t);
  cursor: pointer; white-space: nowrap; border: 1.5px solid transparent;
}
.btn svg { flex-shrink: 0; }
.btn-sm { padding: 10px 18px; font-size: 0.88rem; }
.btn-lg { padding: 16px 30px; font-size: 1rem; }
.btn-block { width: 100%; }

.btn-primary { background: var(--navy); color: #fff; box-shadow: var(--sh-sm); }
.btn-primary:hover { background: var(--navy-700); transform: translateY(-2px); box-shadow: var(--sh-md); }

.btn-ghost { background: transparent; color: var(--navy); border-color: var(--line-strong); }
.btn-ghost:hover { background: var(--surface); border-color: var(--navy); transform: translateY(-2px); box-shadow: var(--sh-sm); }

.btn-light { background: #fff; color: var(--navy); box-shadow: var(--sh-navy); }
.btn-light:hover { background: var(--surface-2); transform: translateY(-2px); }

.btn-ghost-light { background: rgba(255,255,255,0.06); color: #fff; border-color: rgba(255,255,255,0.30); }
.btn-ghost-light:hover { background: rgba(255,255,255,0.12); border-color: rgba(255,255,255,0.55); transform: translateY(-2px); }

/* ------------------------------------------------------------
   CARDS GENÉRICOS
   ------------------------------------------------------------ */
.card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-md); padding: 30px 26px;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.card:hover { transform: translateY(-5px); box-shadow: var(--sh-md); border-color: var(--line-strong); }
.card h3 { font-size: 1.16rem; margin-bottom: 9px; }
.card p { color: var(--ink-soft); font-size: 0.95rem; line-height: 1.62; }
.card-icon {
  width: 48px; height: 48px; border-radius: var(--r-sm);
  background: var(--gold-soft); color: var(--gold-deep);
  display: grid; place-items: center; margin-bottom: 18px;
  transition: background var(--t), color var(--t);
}
.card-icon svg { width: 23px; height: 23px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.card:hover .card-icon { background: var(--navy); color: #fff; }

/* ------------------------------------------------------------
   HEADER
   ------------------------------------------------------------ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: transparent; transition: background var(--t), box-shadow var(--t), border-color var(--t);
  border-bottom: 1px solid transparent;
}
.site-header.scrolled {
  background: rgba(247,243,234,0.88);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom-color: var(--line);
  box-shadow: 0 4px 24px rgba(36,40,69,0.06);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 24px; }
.header-logo { height: 34px; width: auto; }
.header-nav { display: flex; align-items: center; gap: 30px; }
.header-nav a {
  font-size: 0.9rem; font-weight: 500; color: var(--ink); position: relative; padding: 4px 0;
  transition: color var(--t-fast);
}
.header-nav a::after {
  content: ''; position: absolute; left: 0; bottom: -2px; width: 0; height: 2px;
  background: var(--gold); transition: width var(--t);
}
.header-nav a:hover { color: var(--navy); }
.header-nav a:hover::after { width: 100%; }
.header-actions { display: flex; align-items: center; gap: 14px; }

.header-burger { display: none; width: 44px; height: 44px; border-radius: var(--r-sm); flex-direction: column; align-items: center; justify-content: center; gap: 5px; }
.header-burger span { display: block; width: 22px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform var(--t), opacity var(--t); }
.header-burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.header-burger.open span:nth-child(2) { opacity: 0; }
.header-burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Menu mobile */
.mobile-menu {
  position: fixed; top: 0; right: 0; z-index: 1100;
  width: min(82vw, 340px); height: 100dvh;
  background: var(--surface); box-shadow: var(--sh-lg);
  transform: translateX(100%); transition: transform var(--t);
  padding: 92px 28px 32px; overflow-y: auto;
}
.mobile-menu.open { transform: translateX(0); }
.mobile-menu-nav { display: flex; flex-direction: column; gap: 4px; }
.mobile-menu-nav a { font-size: 1.05rem; font-weight: 500; color: var(--ink); padding: 14px 0; border-bottom: 1px solid var(--line); }
.mobile-menu-nav a:hover { color: var(--gold-deep); }
.mobile-menu-cta { margin-top: 22px; border-bottom: none !important; color: #fff !important; justify-content: center; }
.mobile-menu-overlay { position: fixed; inset: 0; z-index: 1050; background: rgba(26,29,51,0.45); backdrop-filter: blur(2px); opacity: 0; transition: opacity var(--t); }
.mobile-menu-overlay.show { opacity: 1; }

/* ------------------------------------------------------------
   HERO
   ------------------------------------------------------------ */
.hero { position: relative; padding: clamp(120px, 16vw, 168px) 0 clamp(56px, 8vw, 88px); overflow: hidden; }
.hero-aura {
  position: absolute; top: -10%; right: -8%; width: 720px; height: 720px; pointer-events: none;
  background: radial-gradient(circle, rgba(176,137,75,0.10) 0%, transparent 62%);
}
.hero::before {
  content: ''; position: absolute; inset: 0; pointer-events: none; opacity: 0.5;
  background-image:
    linear-gradient(rgba(36,40,69,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(36,40,69,0.025) 1px, transparent 1px);
  background-size: 58px 58px;
  -webkit-mask-image: radial-gradient(ellipse 80% 70% at 30% 30%, #000 0%, transparent 75%);
          mask-image: radial-gradient(ellipse 80% 70% at 30% 30%, #000 0%, transparent 75%);
}
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.04fr) minmax(384px, 446px); gap: clamp(36px, 5vw, 64px); align-items: center; }
.hero-title { font-size: clamp(2.1rem, 5vw, 3.5rem); line-height: 1.08; letter-spacing: -0.02em; margin-bottom: 22px; color: var(--navy-ink); }
.hero-sub { font-size: clamp(1.05rem, 1.6vw, 1.22rem); color: var(--ink-soft); line-height: 1.65; max-width: 540px; margin-bottom: 32px; }
.hero-sub strong { color: var(--navy); }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }
.hero-benefits { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 20px; max-width: 560px; }
.hero-benefits li { display: flex; align-items: flex-start; gap: 9px; font-size: 0.9rem; color: var(--ink); line-height: 1.4; }
.hero-benefits svg { width: 16px; height: 16px; margin-top: 2px; fill: none; stroke: var(--gold-deep); stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }
/* Destaque do comissionamento — chip em evidência, largura total */
.hero-benefit-featured {
  grid-column: 1 / -1;
  align-items: center !important;
  gap: 11px !important;
  background: var(--gold-soft);
  border: 1.5px solid rgba(176,137,75,0.45);
  border-radius: var(--r-sm);
  padding: 13px 18px;
  font-size: 1.06rem !important;
  color: var(--navy) !important;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.hero-benefit-featured strong { font-family: var(--font-display); font-size: 1.3rem; font-weight: 600; color: var(--gold-deep); }
.hero-benefit-featured svg { width: 22px !important; height: 22px !important; margin-top: 0 !important; stroke-width: 2 !important; }
.hero-benefit-featured:hover { transform: translateY(-2px); box-shadow: var(--sh-md); border-color: var(--gold); }
@media (max-width: 480px) { .hero-benefits { grid-template-columns: 1fr; } }

/* Hero — prova social */
.hero-proof { display: flex; align-items: center; gap: 14px; margin-top: 26px; padding-top: 22px; border-top: 1px solid var(--line); }
.hero-proof-num { font-family: var(--font-display); font-weight: 600; font-size: 2.5rem; color: var(--navy); line-height: 1; }
.hero-proof-text { font-size: 0.9rem; color: var(--ink-soft); line-height: 1.35; }

/* Hero — trust row de administradoras */
.hero-adms { margin-top: 24px; }
.hero-adms-label { display: block; font-size: 0.68rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-mute); margin-bottom: 12px; }
.hero-adms-row { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-adms-row .adm-trigger { padding: 0; border-radius: 50%; line-height: 0; }
/* Hero — card do formulário */
.hero-form { position: relative; }
.hero-form .form-card { box-shadow: var(--sh-lg); }
.form-card-head { margin-bottom: 18px; }

/* Painel de administradoras na hero */
/* ------------------------------------------------------------
   ADMINISTRADORAS
   ------------------------------------------------------------ */
.adm-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; }
.adm-card {
  position: relative; overflow: hidden;
  display: flex; flex-direction: column; align-items: center; gap: 9px;
  width: 100%; font-family: inherit; text-align: center; cursor: pointer;
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-md);
  padding: 30px 18px 20px; transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.adm-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--bar, var(--gold)); transform: scaleX(0); transform-origin: center;
  transition: transform var(--t);
}
.adm-card:hover::before, .adm-card:focus-visible::before { transform: scaleX(1); }
.adm-card[data-adm="santander"] { --bar: #EC0000; }
.adm-card[data-adm="bradesco"]  { --bar: #CC092F; }
.adm-card[data-adm="bb"]         { --bar: #F2C200; }
.adm-card[data-adm="ancora"]     { --bar: #0E7C7B; }
.adm-card[data-adm="rodobens"]   { --bar: #00582B; }
.adm-card:hover { transform: translateY(-7px); box-shadow: var(--sh-lg); border-color: var(--line-strong); }
.adm-trigger { background: none; border: none; font: inherit; color: inherit; cursor: pointer; }
/* Anel desenhado por cima da imagem (--ring por administradora) */
.adm-name { font-family: var(--font-display); font-size: 1.08rem; color: var(--navy-ink); }
.adm-fact { font-size: 0.78rem; color: var(--ink-soft); line-height: 1.4; max-width: 19ch; margin-top: -4px; }
.adm-more {
  display: inline-flex; align-items: center; gap: 6px; font-size: 0.8rem; font-weight: 600;
  color: var(--gold-deep); opacity: 0.78; margin-top: 4px; padding-top: 10px;
  border-top: 1px solid var(--line); width: 100%; justify-content: center;
  transition: opacity var(--t), color var(--t);
}
.adm-card:hover .adm-more, .adm-card:focus-visible .adm-more { opacity: 1; }
.adm-more svg { width: 14px; height: 14px; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; transition: transform var(--t); }
.adm-card:hover .adm-more svg { transform: translateX(3px); }
.adm-note { text-align: center; margin-top: 30px; font-size: 0.82rem; color: var(--ink-mute); max-width: 720px; margin-left: auto; margin-right: auto; }

/* Logo wall — administradoras (logos limpas) */
.adm-logo { display: grid; place-items: center; width: 100%; height: 60px; margin-bottom: 6px; }
.adm-logo img { max-height: 44px; max-width: 158px; width: auto; height: auto; object-fit: contain; }
.adm-card[data-adm="bb"] .adm-logo img { max-height: 52px; }
.adm-card .adm-more { margin-top: auto; }

/* Hero — faixa de logos (grayscale → cor no hover) */
.hero-adms-row { gap: 22px; align-items: center; }
.hero-adms-row .adm-trigger { padding: 3px 4px; border-radius: var(--r-xs); line-height: 0; }
.hero-adm-logo { height: 22px; width: auto; max-width: 100px; object-fit: contain; filter: grayscale(100%); opacity: 0.58; transition: filter var(--t), opacity var(--t), transform var(--t); }
.hero-adms-row [data-adm="bb"] .hero-adm-logo { height: 28px; }
.hero-adms-row .adm-trigger:hover .hero-adm-logo,
.hero-adms-row .adm-trigger:focus-visible .hero-adm-logo,
.hero-adms-row .adm-trigger:active .hero-adm-logo { filter: none; opacity: 1; transform: translateY(-2px); }
.adm-card:active { transform: translateY(-2px); box-shadow: var(--sh-md); }

/* Modal — tile de logo */
/* Banner do modal (gradiente da marca + chip da logo) */
.adm-modal-banner {
  position: relative; overflow: hidden; display: grid; place-items: center;
  padding: 34px 28px 30px; background-size: cover; background-position: center;
  background-image: linear-gradient(135deg, var(--adm-soft, var(--bg-alt)) 0%, rgba(255,255,255,0.45) 100%);
}
.adm-modal-banner::before {
  content: ''; position: absolute; width: 240px; height: 240px; border-radius: 50%;
  background: var(--adm-color, var(--navy)); opacity: 0.10; top: -110px; right: -70px;
}
.adm-modal-banner::after {
  content: ''; position: absolute; width: 120px; height: 120px; border-radius: 50%;
  background: var(--adm-color, var(--navy)); opacity: 0.06; bottom: -60px; left: -30px;
}
.adm-modal-logo {
  position: relative; z-index: 1; display: grid; place-items: center;
  height: 78px; min-width: 200px; padding: 16px 28px;
  background: #fff; border-radius: var(--r-md); box-shadow: var(--sh-md);
}
.adm-modal-logo img { max-height: 42px; max-width: 220px; object-fit: contain; }
.adm-modal-logo img[alt="Banco do Brasil"] { max-height: 52px; }
.adm-modal-body { padding: 24px 28px 26px; }
.adm-modal-head { padding-top: 0; margin-bottom: 14px; }

/* Anéis na cor de cada instituição (Âncora e Rodobens já têm o anel no próprio badge) */
/* Hero panel — botões e anéis de marca */
/* ------------------------------------------------------------
   PARA QUEM É
   ------------------------------------------------------------ */
.quem-card {
  background: var(--surface); border: 1px solid var(--line);
  border-left: 3px solid var(--gold); border-radius: var(--r-sm);
  padding: 26px 24px; transition: transform var(--t), box-shadow var(--t), border-left-color var(--t);
}
.quem-card:hover { transform: translateX(4px); box-shadow: var(--sh-md); border-left-color: var(--navy); }
.quem-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.quem-card p { color: var(--ink-soft); font-size: 0.92rem; line-height: 1.6; }

/* ------------------------------------------------------------
   COMO FUNCIONA — STEPS
   ------------------------------------------------------------ */
.steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px; position: relative; }
.steps::before {
  content: ''; position: absolute; top: 26px; left: 8%; right: 8%; height: 2px; z-index: 0;
  background: linear-gradient(90deg, var(--gold) 0%, var(--line-strong) 100%);
}
.step { position: relative; z-index: 1; text-align: center; padding: 0 8px; }
.step-num {
  width: 54px; height: 54px; border-radius: 50%; margin: 0 auto 18px;
  background: var(--surface); border: 2px solid var(--navy); color: var(--navy);
  display: grid; place-items: center; font-family: var(--font-display); font-size: 1.2rem; font-weight: 600;
  box-shadow: var(--sh-sm); transition: transform var(--t), background var(--t), color var(--t);
}
.step:hover .step-num { background: var(--navy); color: #fff; transform: translateY(-3px); }
.step h3 { font-size: 1.02rem; margin-bottom: 7px; }
.step p { color: var(--ink-soft); font-size: 0.88rem; line-height: 1.55; }

/* ------------------------------------------------------------
   DIFERENCIAIS (NAVY)
   ------------------------------------------------------------ */
.section-navy { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.section-navy::before {
  content: ''; position: absolute; inset: 0; pointer-events: none; opacity: 0.6;
  background:
    radial-gradient(60% 50% at 100% 0%, rgba(176,137,75,0.14) 0%, transparent 60%),
    linear-gradient(rgba(255,255,255,0.022) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.022) 1px, transparent 1px);
  background-size: auto, 58px 58px, 58px 58px;
}
.section-navy .eyebrow { color: var(--gold); }
.section-navy .section-title { color: #fff; }
.section-navy .section-sub { color: var(--on-navy-soft); }
.diff-wrap { position: relative; z-index: 1; }
.diff-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; margin-top: 48px; border-radius: var(--r-md); overflow: hidden; border: 1px solid var(--line-navy); }
.diff-item { background: rgba(255,255,255,0.022); padding: 38px 34px; border: 1px solid rgba(255,255,255,0.05); transition: background var(--t); }
.diff-item:hover { background: rgba(176,137,75,0.08); }
.diff-num { font-family: var(--font-display); font-size: 2.1rem; color: var(--gold); display: block; margin-bottom: 12px; line-height: 1; }
.diff-item h3 { color: #fff; font-size: 1.18rem; margin-bottom: 10px; }
.diff-item p { color: var(--on-navy-soft); font-size: 0.93rem; line-height: 1.65; }

/* ------------------------------------------------------------
   FORMULÁRIO
   ------------------------------------------------------------ */
.form-section { background: var(--bg); }
.form-layout { display: grid; grid-template-columns: 1fr 1.05fr; gap: clamp(36px, 5vw, 64px); align-items: start; }
.form-intro { position: sticky; top: 100px; }
.form-intro .section-title { margin-bottom: 14px; }
.form-intro-list { margin: 26px 0; display: flex; flex-direction: column; gap: 12px; }
.form-intro-list li { display: flex; align-items: center; gap: 11px; font-size: 0.96rem; color: var(--ink); }
.form-intro-list svg { width: 18px; height: 18px; fill: none; stroke: var(--gold-deep); stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }
.form-disclaimer { font-size: 0.82rem; color: var(--ink-mute); line-height: 1.6; border-left: 2px solid var(--line-strong); padding-left: 14px; max-width: 440px; }

.form-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: clamp(24px, 3vw, 34px); box-shadow: var(--sh-lg); position: relative; }
.form-card::before { content: ''; position: absolute; top: 0; left: clamp(24px,3vw,34px); right: clamp(24px,3vw,34px); height: 3px; border-radius: 3px; background: linear-gradient(90deg, var(--navy), var(--gold)); }
.form-card-title { font-family: var(--font-display); font-size: 1.4rem; color: var(--navy-ink); margin-bottom: 4px; }
.form-card-sub { color: var(--ink-mute); font-size: 0.88rem; margin-bottom: 22px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-group { margin-bottom: 14px; }
.form-label { display: block; font-size: 0.84rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.form-optional { font-weight: 400; color: var(--ink-mute); }
.form-input, .form-select, .form-textarea {
  width: 100%; height: 50px; padding: 0 15px;
  border: 1.5px solid var(--line-strong); border-radius: var(--r-sm);
  font-size: 0.95rem; color: var(--ink); background: var(--surface-2);
  transition: border-color var(--t-fast), box-shadow var(--t-fast), background var(--t-fast);
  -webkit-appearance: none; appearance: none;
}
.form-textarea { height: auto; min-height: 64px; padding: 12px 15px; resize: vertical; line-height: 1.5; }
.form-input::placeholder, .form-textarea::placeholder { color: var(--ink-mute); }
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none; border-color: var(--navy); background: #fff;
  box-shadow: 0 0 0 4px rgba(36,40,69,0.10);
}
.form-input.error, .form-select.error { border-color: #C0392B !important; box-shadow: 0 0 0 4px rgba(192,57,43,0.10) !important; }
.form-error-msg { display: none; color: #C0392B; font-size: 0.76rem; margin-top: 5px; }
.form-error-msg.visible { display: block; }

.form-select-wrap { position: relative; }
.form-select-wrap::after {
  content: ''; position: absolute; right: 16px; top: 50%; transform: translateY(-50%);
  width: 0; height: 0; pointer-events: none;
  border-left: 5px solid transparent; border-right: 5px solid transparent; border-top: 6px solid var(--ink-soft);
}
.form-select { padding-right: 38px; }
.form-group-conditional { animation: slide-down 0.3s ease; }
@keyframes slide-down { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: translateY(0); } }

.form-group-consent { margin: 18px 0 16px; }
.form-consent-label { display: flex; align-items: flex-start; gap: 10px; cursor: pointer; font-size: 0.84rem; color: var(--ink-soft); line-height: 1.5; }
.form-consent-check { width: 17px; height: 17px; flex-shrink: 0; accent-color: var(--navy); margin-top: 2px; cursor: pointer; }
.form-consent-link { color: var(--gold-deep); text-decoration: underline; font-weight: 600; }
.form-consent-link:hover { color: var(--navy); }

.form-trust { display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 16px; color: var(--ink-mute); font-size: 0.78rem; text-align: center; }
.form-trust svg { width: 15px; height: 15px; fill: none; stroke: var(--gold-deep); stroke-width: 2; flex-shrink: 0; }
.form-success {
  margin-top: 16px;
  padding: 18px 18px 17px;
  border: 1px solid rgba(176, 137, 75, 0.28);
  border-radius: var(--r-md);
  background: linear-gradient(135deg, rgba(176, 137, 75, 0.12), rgba(36, 40, 69, 0.05));
  box-shadow: var(--sh-sm);
}
.form-success[hidden] { display: none; }
.form-success-kicker {
  display: block;
  margin-bottom: 7px;
  color: var(--gold-deep);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}
.form-success strong {
  display: block;
  color: var(--navy-ink);
  font-family: var(--font-display);
  font-size: 1.12rem;
  line-height: 1.25;
}
.form-success p {
  margin: 8px 0 0;
  color: var(--ink-soft);
  font-size: 0.9rem;
  line-height: 1.55;
}
.form-success.is-error {
  border-color: rgba(192,57,43,0.3);
  background: rgba(192,57,43,0.08);
}
.form-success.is-error .form-success-kicker { color: #C0392B; }

/* ------------------------------------------------------------
   FAQ
   ------------------------------------------------------------ */
.faq-wrap { max-width: 780px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line-strong); }
.faq-question {
  width: 100%; text-align: left; padding: 22px 0; display: flex; align-items: center;
  justify-content: space-between; gap: 18px;
  font-family: var(--font-display); font-size: 1.05rem; font-weight: 500; color: var(--ink);
  transition: color var(--t-fast);
}
.faq-question:hover { color: var(--gold-deep); }
.faq-icon { width: 28px; height: 28px; border-radius: 50%; background: var(--surface); border: 1px solid var(--line-strong); display: grid; place-items: center; flex-shrink: 0; color: var(--navy); transition: background var(--t), color var(--t), transform var(--t); }
.faq-icon svg { width: 13px; height: 13px; fill: none; stroke: currentColor; stroke-width: 2.6; }
.faq-item.open .faq-icon { background: var(--navy); color: #fff; transform: rotate(45deg); }
.faq-answer { overflow: hidden; max-height: 0; transition: max-height 0.35s ease, padding 0.2s; color: var(--ink-soft); font-size: 0.96rem; line-height: 1.72; }
.faq-item.open .faq-answer { max-height: 320px; padding-bottom: 22px; }

/* ------------------------------------------------------------
   CTA FINAL
   ------------------------------------------------------------ */
.cta-final { background: var(--navy-900); color: #fff; padding: clamp(56px, 8vw, 88px) 0; position: relative; overflow: hidden; }
.cta-final::before { content: ''; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(50% 80% at 50% 0%, rgba(176,137,75,0.16) 0%, transparent 60%); }
.cta-final-inner { position: relative; z-index: 1; text-align: center; max-width: 680px; margin: 0 auto; }
.cta-final .eyebrow { color: var(--gold); justify-content: center; }
.cta-final-title { font-size: clamp(1.7rem, 3.6vw, 2.6rem); color: #fff; margin-bottom: 14px; }
.cta-final-sub { color: var(--on-navy-soft); font-size: 1.08rem; margin-bottom: 30px; }
.cta-final-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ------------------------------------------------------------
   FOOTER (novo)
   ------------------------------------------------------------ */
.site-footer { background: var(--navy-900); color: var(--on-navy-soft); padding: clamp(48px, 6vw, 64px) 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; padding-bottom: 36px; border-bottom: 1px solid var(--line-navy); }
.site-footer .footer-brand { max-width: 360px; }
.footer-logo { height: 38px; width: auto; margin-bottom: 16px; }
.site-footer .footer-brand p { font-size: 0.88rem; line-height: 1.7; color: var(--on-navy-soft); }
.footer-social {
  display: inline-flex; align-items: center; gap: 9px; margin-top: 18px;
  padding: 9px 16px; border-radius: var(--r-pill); border: 1px solid var(--line-navy);
  color: var(--on-navy-soft); font-size: 0.88rem; font-weight: 500;
  transition: color var(--t), border-color var(--t), background var(--t), transform var(--t-fast);
}
.footer-social svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.8; }
.footer-social:hover { color: #fff; border-color: rgba(255,255,255,0.4); background: rgba(255,255,255,0.06); transform: translateY(-1px); }
.footer-col h3 { font-family: var(--font-body); font-size: 0.74rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--on-navy-mute); margin-bottom: 16px; }
.footer-col ul li { margin-bottom: 11px; }
.footer-col ul li a { font-size: 0.9rem; color: var(--on-navy-soft); transition: color var(--t-fast); }
.footer-col ul li a:hover { color: #fff; }
.footer-bottom { padding-top: 22px; display: flex; flex-direction: column; gap: 8px; }
.footer-bottom p { font-size: 0.78rem; color: var(--on-navy-mute); line-height: 1.6; }
.footer-legal { max-width: 880px; }

/* ------------------------------------------------------------
   WHATSAPP FLUTUANTE + BARRA MOBILE
   ------------------------------------------------------------ */
.whatsapp-float {
  position: fixed; bottom: 28px; right: 28px; z-index: 900;
  width: 58px; height: 58px; background: var(--wpp); border-radius: 50%;
  display: grid; place-items: center; box-shadow: 0 6px 22px rgba(37,211,102,0.42);
  transition: transform var(--t), box-shadow var(--t);
}
.whatsapp-float:hover { transform: scale(1.08); box-shadow: 0 10px 30px rgba(37,211,102,0.5); }
.whatsapp-float svg { width: 30px; height: 30px; fill: #fff; }
.whatsapp-float-tooltip {
  position: absolute; right: 70px; background: var(--navy); color: #fff; font-size: 0.76rem;
  white-space: nowrap; padding: 7px 13px; border-radius: var(--r-xs); opacity: 0; pointer-events: none;
  transition: opacity var(--t);
}
.whatsapp-float-tooltip::after { content: ''; position: absolute; right: -5px; top: 50%; transform: translateY(-50%); border: 6px solid transparent; border-left-color: var(--navy); border-right: none; }
.whatsapp-float:hover .whatsapp-float-tooltip { opacity: 1; }

.mobile-cta-bar { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 800; background: rgba(247,243,234,0.94); backdrop-filter: blur(12px); border-top: 1px solid var(--line); padding: 11px 14px; gap: 10px; box-shadow: 0 -4px 18px rgba(36,40,69,0.08); }
.mobile-bar-form { flex: 1; justify-content: center; }
.mobile-bar-wpp { width: 50px; flex-shrink: 0; background: var(--wpp); border-radius: var(--r-sm); display: grid; place-items: center; transition: background var(--t); }
.mobile-bar-wpp:hover { background: var(--wpp-dark); }
.mobile-bar-wpp svg { width: 24px; height: 24px; fill: #fff; }
[data-official-whatsapp].is-disabled { cursor: pointer; }
.whatsapp-float.is-disabled, .mobile-bar-wpp.is-disabled { opacity: 0.72; }

/* ------------------------------------------------------------
   SCROLL ANIMATIONS
   ------------------------------------------------------------ */
.js [data-animate] { opacity: 0; transform: translateY(26px); transition: opacity 0.6s ease, transform 0.6s cubic-bezier(0.22,1,0.36,1); }
.js [data-animate].visible { opacity: 1; transform: translateY(0); }
[data-delay="1"] { transition-delay: 0.08s; }
[data-delay="2"] { transition-delay: 0.16s; }
[data-delay="3"] { transition-delay: 0.24s; }
[data-delay="4"] { transition-delay: 0.32s; }
[data-delay="5"] { transition-delay: 0.40s; }

/* ------------------------------------------------------------
   RESPONSIVO
   ------------------------------------------------------------ */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 44px; }
.grid-3 { grid-template-columns: repeat(2, 1fr); }
  .adm-grid { grid-template-columns: repeat(3, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .steps::before { display: none; }
  .diff-grid { grid-template-columns: 1fr; }
  .form-layout { grid-template-columns: 1fr; }
  .form-intro { position: static; }
  .presence-grid { grid-template-columns: 1fr; gap: 12px; }
  .presence-map { order: -1; max-width: 380px; margin: 0 auto; }
}
@media (max-width: 760px) {
  .header-nav { display: none; }
  .header-cta { display: none; }
  .header-burger { display: flex; }
  .grid-3 { grid-template-columns: 1fr; }
  .adm-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .mobile-cta-bar { display: flex; }
  body { padding-bottom: 74px; }
  .whatsapp-float { bottom: 88px; }
  .cta-final-actions { flex-direction: column; }
  .cta-final-actions .btn { width: 100%; }
}
@media (max-width: 480px) {
  .form-row { grid-template-columns: 1fr; gap: 0; }
.adm-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-ctas .btn { width: 100%; }
}

/* ------------------------------------------------------------
   PRESENÇA NACIONAL — MAPA DO BRASIL
   ------------------------------------------------------------ */
.presence-section { background: var(--bg); overflow: hidden; }
.presence-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 64px); align-items: center; }
.presence-copy .section-sub { margin-bottom: 26px; }
.presence-stat { display: flex; align-items: flex-start; gap: 12px; margin: 0 0 30px; }
.presence-num { font-family: var(--font-display); font-weight: 600; font-size: clamp(3.2rem, 8vw, 5rem); line-height: 0.85; color: var(--navy); }
.presence-plus { font-family: var(--font-display); font-weight: 600; font-size: clamp(1.8rem, 4vw, 2.6rem); color: var(--gold); line-height: 1; margin-top: 4px; }
.presence-stat-label { align-self: center; font-size: 0.92rem; color: var(--ink-soft); line-height: 1.4; }

/* Lista de benefícios da rede */
.presence-benefits { display: grid; grid-template-columns: 1fr 1fr; gap: 11px 22px; margin: 6px 0 28px; }
.presence-benefits li { display: flex; align-items: flex-start; gap: 9px; font-size: 0.93rem; color: var(--ink); line-height: 1.4; }
.presence-benefits svg { width: 17px; height: 17px; margin-top: 2px; fill: none; stroke: var(--gold-deep); stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }
.presence-benefits li:first-child { font-weight: 600; color: var(--navy); }
@media (max-width: 560px) { .presence-benefits { grid-template-columns: 1fr; } }

.presence-map { position: relative; }
.br-stage { position: relative; }
.br-stage::before {
  content: ''; position: absolute; top: 46%; left: 50%; width: 78%; height: 78%;
  transform: translate(-50%, -50%); border-radius: 50%; pointer-events: none; z-index: 0;
  background: radial-gradient(circle, rgba(176,137,75,0.16) 0%, rgba(176,137,75,0) 65%);
}
.br-map { position: relative; z-index: 1; width: 100%; max-width: 470px; height: auto; margin: 0 auto; display: block; overflow: visible; }

/* Cores por região (preenchimento suave por padrão) */
.uf-N  { fill: #2F7D86; } .uf-NE { fill: #C58A2E; } .uf-CO { fill: #B06A3E; }
.uf-SE { fill: #2E3A66; } .uf-S  { fill: #5E7CA6; }
.uf {
  fill-opacity: 0.13; stroke: var(--bg); stroke-width: 1.4; stroke-linejoin: round;
  cursor: pointer; transform-origin: center; transform-box: fill-box;
  transition: fill-opacity 0.25s ease, transform 0.2s ease, filter 0.2s ease;
  vector-effect: non-scaling-stroke;
}
.uf:hover, .uf.is-active { fill-opacity: 1; }
.uf:hover { filter: drop-shadow(0 3px 7px rgba(36,40,69,0.32)); }
.br-states.region-focus .uf { fill-opacity: 0.09; }
.br-states.region-focus .uf.is-active { fill-opacity: 1; }

/* Reveal escalonado por região */
.presence-map .uf { opacity: 0; transform: scale(0.96); }
.presence-map.in .uf { animation: uf-in 0.55s ease forwards; }
@keyframes uf-in { to { opacity: 1; transform: scale(1); } }
.presence-map.in .uf-N  { animation-delay: 0.05s; }
.presence-map.in .uf-NE { animation-delay: 0.16s; }
.presence-map.in .uf-CO { animation-delay: 0.27s; }
.presence-map.in .uf-SE { animation-delay: 0.38s; }
.presence-map.in .uf-S  { animation-delay: 0.49s; }

/* Tooltip do estado */
.br-tip {
  position: absolute; top: 0; left: 0; z-index: 5; pointer-events: none;
  background: var(--navy); color: #fff; border-radius: var(--r-sm); padding: 8px 12px;
  box-shadow: var(--sh-md); white-space: nowrap; opacity: 0;
  transform: translate(-50%, -118%) translateY(5px); transition: opacity 0.16s ease, transform 0.16s ease;
}
.br-tip.show { opacity: 1; transform: translate(-50%, -118%); }
.br-tip::after { content: ''; position: absolute; left: 50%; bottom: -5px; transform: translateX(-50%); border: 6px solid transparent; border-top-color: var(--navy); }
.br-tip-name { display: block; font-family: var(--font-display); font-size: 0.92rem; line-height: 1.1; }
.br-tip-region { display: block; font-size: 0.7rem; color: var(--on-navy-soft); margin-top: 2px; letter-spacing: 0.04em; }

/* Legenda de regiões */
.br-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px; margin-top: 24px; }
.br-leg { display: inline-flex; align-items: center; gap: 7px; font-size: 0.8rem; font-weight: 500; color: var(--ink-soft); background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-pill); padding: 7px 14px; transition: border-color var(--t), color var(--t), box-shadow var(--t); }
.br-leg:hover, .br-leg.active { color: var(--navy); border-color: var(--navy); box-shadow: var(--sh-sm); }
.br-leg-dot { width: 9px; height: 9px; border-radius: 50%; flex-shrink: 0; }
.br-leg[data-region="N"]  .br-leg-dot { background: #2F7D86; }
.br-leg[data-region="NE"] .br-leg-dot { background: #C58A2E; }
.br-leg[data-region="CO"] .br-leg-dot { background: #B06A3E; }
.br-leg[data-region="SE"] .br-leg-dot { background: #2E3A66; }
.br-leg[data-region="S"]  .br-leg-dot { background: #5E7CA6; }

/* Marcadores Polaris (presença ponderada por PIB regional) */
.br-markers { pointer-events: none; }
.br-marker-in { opacity: 0; transform-box: fill-box; transform-origin: center bottom; transform: translateY(-9px) scale(0.4); }
.presence-map.in .br-marker-in { animation: pin-drop 0.55s cubic-bezier(0.34,1.56,0.64,1) both; }
@keyframes pin-drop { 0% { opacity: 0; transform: translateY(-9px) scale(0.4); } 60% { opacity: 1; } 100% { opacity: 1; transform: translateY(0) scale(1); } }
/* ------------------------------------------------------------
   NOSSO DIA A DIA — INSTAGRAM (posts selecionados)
   ------------------------------------------------------------ */
.ig-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  align-items: start;
}
.ig-card {
  position: relative;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  overflow: hidden;
  min-height: 380px;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.ig-card:hover { transform: translateY(-4px); box-shadow: var(--sh-md); border-color: var(--line-strong); }
.ig-featured { grid-row: span 2; border-color: rgba(176,137,75,0.45); box-shadow: var(--sh-md); }
.ig-badge {
  position: absolute; top: 14px; left: 14px; z-index: 3;
  background: var(--navy); color: #fff;
  font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 6px 12px; border-radius: var(--r-pill); box-shadow: var(--sh-sm);
}
.ig-embed { position: relative; z-index: 1; }
.ig-embed .instagram-media { margin: 0 !important; border: none !important; box-shadow: none !important; width: 100% !important; min-width: 0 !important; max-width: 100% !important; }
.ig-card iframe { max-width: 100% !important; }

/* Skeleton shimmer enquanto o embed carrega */
.ig-card.ig-loading::before {
  content: ''; position: absolute; inset: 0; z-index: 2;
  background:
    linear-gradient(100deg, transparent 30%, rgba(255,255,255,0.65) 50%, transparent 70%),
    linear-gradient(var(--bg-alt), var(--bg-alt));
  background-size: 220% 100%, 100% 100%;
  animation: ig-shimmer 1.4s ease-in-out infinite;
}
.ig-card.ig-loading::after {
  content: ''; position: absolute; z-index: 3; left: 18px; right: 18px; top: 18px; height: 58%;
  border-radius: var(--r-sm); background: rgba(36,40,69,0.06);
}
@keyframes ig-shimmer { from { background-position: 120% 0, 0 0; } to { background-position: -120% 0, 0 0; } }
.ig-card.ig-loaded::before, .ig-card.ig-loaded::after { content: none; }

/* Fallback elegante (não parece erro) */
.ig-fallback {
  display: none; flex-direction: column; align-items: center; justify-content: center;
  text-align: center; gap: 10px; padding: 40px 24px; min-height: 380px;
}
.ig-fallback svg { width: 34px; height: 34px; color: var(--gold-deep); }
.ig-fallback-title { font-family: var(--font-display); font-size: 1.1rem; color: var(--navy-ink); }
.ig-fallback-sub { font-size: 0.86rem; color: var(--ink-soft); max-width: 240px; line-height: 1.5; }
.ig-fallback .btn { margin-top: 6px; }
.ig-card.ig-failed .ig-embed { display: none; }
.ig-card.ig-failed { min-height: 0; }
.ig-card.ig-failed .ig-fallback { display: flex; }

.ig-actions { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; margin-top: 34px; }

@media (max-width: 1024px) {
  .ig-grid { grid-template-columns: repeat(2, 1fr); }
  .ig-featured { grid-row: auto; grid-column: 1 / -1; max-width: 540px; justify-self: center; width: 100%; }
}
@media (max-width: 640px) {
  .ig-grid { grid-template-columns: 1fr; }
  .ig-card { min-height: 320px; }
  .ig-actions { flex-direction: column; }
  .ig-actions .btn { width: 100%; }
}

/* ------------------------------------------------------------
   MODAL — ADMINISTRADORAS
   ------------------------------------------------------------ */
.adm-modal { position: fixed; inset: 0; z-index: 1200; display: grid; place-items: center; padding: 20px; }
.adm-modal[hidden] { display: none; }
.adm-modal-overlay { position: absolute; inset: 0; background: rgba(26,29,51,0.55); -webkit-backdrop-filter: blur(5px); backdrop-filter: blur(5px); opacity: 0; animation: ov-in 0.32s ease forwards; }
@keyframes ov-in { to { opacity: 1; } }
.adm-modal-dialog {
  position: relative; z-index: 1; width: 100%; max-width: 470px;
  background: #fff; border-radius: var(--r-lg); box-shadow: var(--sh-lg);
  padding: 0; overflow: hidden;
  opacity: 0; transform: translateY(26px) scale(0.96);
  animation: modal-in 0.46s cubic-bezier(0.16,1,0.3,1) forwards;
}
@keyframes modal-in { to { opacity: 1; transform: translateY(0) scale(1); } }

/* Fechamento animado */
.adm-modal.closing .adm-modal-overlay { animation: ov-out 0.22s ease forwards; }
.adm-modal.closing .adm-modal-dialog { animation: modal-out 0.22s ease forwards; }
@keyframes ov-out { to { opacity: 0; } }
@keyframes modal-out { to { opacity: 0; transform: translateY(14px) scale(0.97); } }

/* Stagger do conteúdo */
.adm-modal-head, .adm-modal-facts, .adm-modal-text, .adm-modal-tags, #admModalCta {
  opacity: 0; transform: translateY(12px); animation: amc-in 0.5s cubic-bezier(0.16,1,0.3,1) forwards;
}
.adm-modal-head  { animation-delay: 0.10s; }
.adm-modal-facts { animation-delay: 0.17s; }
.adm-modal-text  { animation-delay: 0.24s; }
.adm-modal-tags  { animation-delay: 0.31s; }
#admModalCta     { animation-delay: 0.38s; }
.adm-modal.closing .adm-modal-head, .adm-modal.closing .adm-modal-facts,
.adm-modal.closing .adm-modal-text, .adm-modal.closing .adm-modal-tags,
.adm-modal.closing #admModalCta { animation: none; opacity: 1; transform: none; }
@keyframes amc-in { to { opacity: 1; transform: none; } }
.adm-modal-bar {
  position: absolute; top: 0; left: 0; right: 0; height: 5px; transform-origin: left;
  background: var(--adm-color, var(--navy));
  animation: bar-grow 0.6s cubic-bezier(0.16,1,0.3,1) 0.05s both;
}
@keyframes bar-grow { from { transform: scaleX(0); } to { transform: scaleX(1); } }

/* Facts (fundação / robustez) */
.adm-modal-facts { display: flex; gap: 12px; margin-bottom: 16px; }
.adm-modal-fact { flex: 1; background: var(--adm-soft, var(--bg-alt)); border: 1px solid var(--line); border-radius: var(--r-sm); padding: 10px 12px; }
.adm-modal-fact-value { display: block; font-family: var(--font-display); font-size: 1.05rem; color: var(--adm-color, var(--navy)); line-height: 1.1; }
.adm-modal-fact-label { display: block; font-size: 0.68rem; color: var(--ink-mute); margin-top: 3px; letter-spacing: 0.02em; }
.adm-modal-close { position: absolute; top: 14px; right: 14px; width: 34px; height: 34px; border-radius: 50%; background: var(--bg-alt); display: grid; place-items: center; color: var(--ink-soft); transition: background var(--t), color var(--t); }
.adm-modal-close:hover { background: var(--line); color: var(--navy); }
.adm-modal-close svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; }
.adm-modal-head { display: flex; align-items: center; gap: 16px; margin-bottom: 18px; padding-top: 6px; }
.adm-modal-badge { position: relative; width: 74px; height: 74px; border-radius: 50%; background: #fff; box-shadow: var(--sh-sm); display: grid; place-items: center; overflow: hidden; flex-shrink: 0; }
.adm-modal-badge::after { content: ''; position: absolute; inset: 0; border-radius: 50%; pointer-events: none; box-shadow: inset 0 0 0 3px var(--adm-color, rgba(36,40,69,0.10)); }
.adm-modal-badge img { width: 100%; height: 100%; object-fit: contain; }
.adm-modal-eyebrow { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--adm-color, var(--gold-deep)); }
.adm-modal-title { font-family: var(--font-display); font-size: 1.5rem; color: var(--navy-ink); margin-top: 3px; }
.adm-modal-text { color: var(--ink-soft); font-size: 0.96rem; line-height: 1.7; margin-bottom: 18px; }
.adm-modal-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 24px; }
.adm-modal-tags li { font-size: 0.76rem; font-weight: 500; color: var(--navy); background: var(--adm-soft, var(--bg-alt)); border: 1px solid var(--line); border-radius: var(--r-pill); padding: 6px 12px; }
body.modal-open { overflow: hidden; }

@media (max-width: 600px) {
}

/* ============================================================
   LEGADO — politica-de-privacidade.html (preservado)
   ============================================================ */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: var(--navy); border-bottom: 1px solid var(--navy-700);
  height: 64px; display: flex; align-items: center; transition: box-shadow var(--t);
}
.navbar.scrolled { box-shadow: 0 4px 20px rgba(0,0,0,0.25); }
.navbar .container { display: flex; align-items: center; justify-content: space-between; }
.navbar-brand { display: flex; align-items: center; gap: 11px; }
.navbar-logo-horizontal { height: 34px; width: auto; mix-blend-mode: screen; filter: brightness(1.05); }
.navbar-santander-badge-white { height: 22px; width: auto; opacity: 0.96; }
.btn-nav-wpp {
  display: flex; align-items: center; gap: 8px; background: rgba(255,255,255,0.10);
  color: #fff; font-family: var(--font-body); font-weight: 600; font-size: 0.85rem;
  padding: 10px 18px; border-radius: var(--r-sm); border: 1px solid rgba(255,255,255,0.28);
  transition: background var(--t), transform var(--t-fast); white-space: nowrap;
}
.btn-nav-wpp:hover { background: rgba(255,255,255,0.18); transform: translateY(-1px); }
.btn-nav-wpp svg { width: 15px; height: 15px; flex-shrink: 0; }

/* Footer legado (apenas para páginas que NÃO usam .site-footer) */
footer:not(.site-footer) { background: #fff; padding: 44px 0 24px; border-top: 1px solid var(--line); }
footer:not(.site-footer) .footer-inner { display: grid; grid-template-columns: minmax(320px,1.5fr) minmax(140px,0.7fr) minmax(160px,0.8fr); gap: 24px 32px; margin-bottom: 20px; }
footer:not(.site-footer) .footer-brand { max-width: 440px; }
.footer-polaris-name { margin-bottom: 10px; display: flex; align-items: center; }
.footer-main-logo { height: 30px; width: auto; object-fit: contain; object-position: left center; }
footer:not(.site-footer) .footer-brand p { color: var(--ink-soft); font-size: 0.82rem; line-height: 1.6; margin-top: 8px; }
.footer-santander-badge { margin-top: 12px; }
.footer-santander-badge img { height: 26px; width: auto; opacity: 0.92; }
.footer-links h5 { font-family: var(--font-body); font-size: 0.72rem; font-weight: 600; color: var(--ink-mute); text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 12px; }
.footer-links ul li { margin-bottom: 8px; }
.footer-links ul li a { color: var(--ink-soft); font-size: 0.84rem; transition: color var(--t-fast); }
.footer-links ul li a:hover { color: var(--navy); }
footer:not(.site-footer) .footer-bottom { border-top: 1px solid var(--line); padding-top: 16px; display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
footer:not(.site-footer) .footer-bottom p { color: var(--ink-mute); font-size: 0.76rem; }
.footer-red-accent { color: var(--gold-deep) !important; }