/* AFK Seguros — "A Placa da Corretora"
   Campo azul-petróleo da placa, branco e azul claro de apoio, verde só na ação do WhatsApp. */

@font-face {
  font-family: "Bricolage Grotesque";
  src: url("../fonts/bricolage-latin.woff2") format("woff2");
  font-weight: 500 800;
  font-display: swap;
}
@font-face {
  font-family: "Hanken Grotesk";
  src: url("../fonts/hanken-latin.woff2") format("woff2");
  font-weight: 400 700;
  font-display: swap;
}

:root {
  --navy: #003647;
  --navy-deep: #00242f;
  --navy-raised: #0a4a5e;
  --blue: #0f89c2;
  --blue-ink: #0a6f9f;
  --sky: #8ed2f2;
  --paper: #f3f7f9;
  --white: #ffffff;
  --ink: #0b2a35;
  --muted: #47636e;
  --on-navy: #ffffff;
  --on-navy-soft: #bcd6df;
  --line: #d3e0e6;
  --line-navy: rgba(255, 255, 255, .16);
  --wa: #12803f;
  --wa-hover: #0d6a33;
  --danger: #b3261e;

  --font-display: "Bricolage Grotesque", "Segoe UI", system-ui, sans-serif;
  --font-body: "Hanken Grotesk", "Segoe UI", system-ui, sans-serif;

  --radius: 12px;
  --radius-sm: 8px;
  --gutter: 20px;
  --header-h: 72px;
  --ease: cubic-bezier(.16, 1, .3, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  accent-color: var(--blue);
  caret-color: var(--blue);
  scrollbar-color: var(--blue) var(--paper);
}
::selection { background: var(--navy); color: var(--white); }
svg.sprite { position: absolute; width: 0; height: 0; overflow: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue-ink); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { color: var(--navy); }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; border-radius: 4px; }
.on-navy :focus-visible, .site-header :focus-visible, .site-footer :focus-visible { outline-color: var(--sky); }

h1, h2, h3 { font-family: var(--font-display); line-height: 1.08; letter-spacing: -.02em; margin: 0; text-wrap: balance; font-weight: 700; }
h1 { font-size: clamp(2.25rem, 1.2rem + 4.6vw, 4.5rem); }
h2 { font-size: clamp(1.75rem, 1.1rem + 2.6vw, 3rem); }
h3 { font-size: 1.25rem; letter-spacing: -.01em; }
p { margin: 0 0 1em; max-width: 68ch; text-wrap: pretty; }
ul, ol { margin: 0; padding: 0; list-style: none; }

.wrap { width: 100%; max-width: 1200px; margin-inline: auto; padding-inline: var(--gutter); }
.skip { position: absolute; left: 12px; top: -60px; background: var(--white); color: var(--navy); padding: 10px 14px; border-radius: var(--radius-sm); z-index: 100; font-weight: 600; }
.skip:focus { top: 12px; }
.ico { width: 1.5rem; height: 1.5rem; flex: none; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- botões ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .6rem;
  min-height: 48px; padding: 0 1.4rem; border-radius: var(--radius-sm);
  font: 700 1rem/1 var(--font-body); text-decoration: none; cursor: pointer;
  border: 2px solid transparent; transition: background-color .2s, color .2s, border-color .2s, transform .2s var(--ease);
}
.btn:active { transform: translateY(1px); }
.btn-wa { background: var(--wa); color: var(--white); }
.btn-wa:hover { background: var(--wa-hover); color: var(--white); }
.btn-primary { background: var(--navy); color: var(--white); }
.btn-primary:hover { background: var(--navy-raised); color: var(--white); }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: var(--white); }
.on-navy .btn-ghost, .btn-ghost-light { color: var(--white); border-color: rgba(255, 255, 255, .55); background: transparent; }
.on-navy .btn-ghost:hover, .btn-ghost-light:hover { background: var(--white); color: var(--navy); border-color: var(--white); }
.btn-lg { min-height: 56px; padding: 0 1.8rem; font-size: 1.0625rem; }
.btn[disabled] { opacity: .6; cursor: progress; }

/* ---------- cabeçalho ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: var(--navy); color: var(--on-navy); border-bottom: 1px solid var(--line-navy); }
.header-row { height: var(--header-h); display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.brand { display: inline-flex; align-items: center; gap: .75rem; color: var(--on-navy); text-decoration: none; }
.brand:hover { color: var(--on-navy); }
.brand img { border-radius: 50%; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-text strong { font: 800 1.6rem/1 var(--font-display); letter-spacing: .02em; }
.brand-text span { font-size: .6875rem; letter-spacing: .14em; text-transform: uppercase; color: var(--on-navy-soft); margin-top: .3rem; }

.nav { display: flex; align-items: center; gap: 1.5rem; }
.nav ul { display: flex; gap: .25rem; }
.nav li a { display: block; padding: .6rem .9rem; border-radius: var(--radius-sm); color: var(--on-navy); text-decoration: none; font-weight: 600; }
.nav li a:hover { background: rgba(255, 255, 255, .1); color: var(--white); }
.nav li a[aria-current="page"] { background: rgba(255, 255, 255, .14); }
.nav-cta { min-height: 44px; }
.menu-btn { display: none; width: 48px; height: 48px; border-radius: var(--radius-sm); border: 1px solid var(--line-navy); background: transparent; color: var(--on-navy); cursor: pointer; align-items: center; justify-content: center; }
.menu-btn .ico-close { display: none; }
.menu-btn[aria-expanded="true"] .ico-open { display: none; }
.menu-btn[aria-expanded="true"] .ico-close { display: block; }

@media (max-width: 880px) {
  :root { --header-h: 64px; }
  .menu-btn { display: inline-flex; }
  .brand-text strong { font-size: 1.4rem; }
  .nav {
    position: absolute; inset: var(--header-h) 0 auto 0; background: var(--navy); flex-direction: column; align-items: stretch;
    gap: 1rem; padding: 1rem var(--gutter) 1.5rem; border-bottom: 1px solid var(--line-navy);
    visibility: hidden; opacity: 0; transform: translateY(-8px); transition: opacity .2s, transform .25s var(--ease), visibility .2s;
  }
  .nav.is-open { visibility: visible; opacity: 1; transform: none; }
  .nav ul { flex-direction: column; }
  .nav li a { padding: .9rem .75rem; font-size: 1.125rem; border-bottom: 1px solid var(--line-navy); border-radius: 0; }
  .nav-cta { width: 100%; min-height: 52px; }
}

/* ---------- hero ---------- */
.hero { position: relative; background: var(--navy); color: var(--on-navy); overflow: hidden; isolation: isolate; }
.hero-inner { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: clamp(1.5rem, 4vw, 4rem); align-items: center; padding-block: clamp(2.5rem, 6vw, 5.5rem) clamp(3rem, 7vw, 6.5rem); }
.hero h1 { max-width: 16ch; }
.hero-lead { font-size: clamp(1.0625rem, 1rem + .4vw, 1.25rem); color: var(--on-navy-soft); margin: 1.25rem 0 2rem; max-width: 46ch; }
.hero-sphere { position: absolute; z-index: -1; right: clamp(-160px, -8vw, -40px); top: 50%; width: clamp(360px, 46vw, 680px); aspect-ratio: 1; translate: 0 -50%; opacity: .96; }
.hero-sphere img { width: 100%; height: 100%; object-fit: contain; animation: drift 16s ease-in-out infinite alternate; }
@keyframes drift { from { transform: translate3d(0, -10px, 0) rotate(-3deg); } to { transform: translate3d(-8px, 12px, 0) rotate(3deg); } }

.quote {
  background: var(--white); color: var(--ink); border-radius: 14px; padding: clamp(1.25rem, 2.5vw, 1.75rem);
  box-shadow: 0 24px 48px -18px rgba(0, 20, 28, .55); max-width: 30rem; justify-self: end; width: 100%;
}
.quote h2 { font-size: 1.375rem; letter-spacing: -.01em; margin-bottom: .35rem; }
.quote p { color: var(--muted); font-size: .9375rem; margin-bottom: 1rem; }
.field { display: block; margin-bottom: 1rem; }
.field > span { display: block; font-weight: 700; font-size: .9375rem; margin-bottom: .4rem; }
.input, .select, .textarea {
  width: 100%; min-height: 52px; padding: .75rem .95rem; border: 1.5px solid #9db5be; border-radius: var(--radius-sm);
  background: var(--white); color: var(--ink); font: 500 1.0625rem/1.3 var(--font-body);
}
.input:hover, .select:hover, .textarea:hover { border-color: var(--blue); }
.input:focus-visible, .select:focus-visible, .textarea:focus-visible { outline: 3px solid rgba(15, 137, 194, .35); outline-offset: 0; border-color: var(--blue); }
.select {
  appearance: none; padding-right: 2.75rem;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23003647' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right .85rem center; background-size: 1.25rem;
}
.textarea { min-height: 130px; resize: vertical; }
.quote .btn { width: 100%; }
.quote-note { margin: .85rem 0 0; font-size: .8125rem; color: var(--muted); }

.hero-in > * { animation: rise .7s var(--ease) both; }
.hero-in > :nth-child(2) { animation-delay: .08s; }
.hero-in > :nth-child(3) { animation-delay: .16s; }
.quote { animation: rise .8s var(--ease) .2s both; }
@keyframes rise { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: none; } }

@media (max-width: 880px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero h1 { max-width: 18ch; }
  .quote { justify-self: stretch; max-width: none; }
  .hero-sphere { width: 300px; right: -110px; top: 4%; translate: 0 0; opacity: .22; }
  .hero-in .cta-actions .btn { flex: 1 1 100%; }
}
@media (prefers-reduced-motion: reduce) {
  .hero-sphere img, .hero-in > *, .quote { animation: none; }
}

/* ---------- faixa de seguradoras ---------- */
.section-head-center { margin-inline: auto; text-align: center; }
.insurers-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(10.5rem, 1fr)); gap: 1rem; }
.insurers-grid li { display: flex; align-items: center; justify-content: center; height: 6rem; padding: 1rem 1.25rem; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); transition: border-color .25s var(--ease), box-shadow .25s var(--ease), transform .25s var(--ease); }
.insurers-grid li:hover { border-color: var(--blue); box-shadow: 0 6px 18px rgba(0, 54, 71, .1); transform: translateY(-2px); }
.insurers-grid img { width: auto; height: auto; max-width: 100%; max-height: 2.75rem; object-fit: contain; }

/* ---------- seções ---------- */
.section { padding-block: clamp(3.5rem, 8vw, 6.5rem); }
.section-paper { background: var(--paper); }
.section-navy { background: var(--navy); color: var(--on-navy); }
.section-head { max-width: 46rem; margin-bottom: clamp(2rem, 4vw, 3.25rem); }
.section-head p { color: var(--muted); font-size: 1.125rem; margin-top: 1rem; }
.section-navy .section-head p { color: var(--on-navy-soft); }

/* lista de seguros */
.groups { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(2rem, 5vw, 4.5rem); }
.group-title { font: 700 .875rem/1 var(--font-body); letter-spacing: .12em; text-transform: uppercase; color: var(--navy); padding-bottom: 1rem; border-bottom: 2px solid var(--navy); margin: 0; }
.rows li { border-bottom: 1px solid var(--line); }
.row-link {
  display: grid; grid-template-columns: 2.75rem 1fr 1.5rem; align-items: center; gap: 1rem; min-height: 72px; padding: .75rem .5rem;
  color: var(--ink); text-decoration: none; transition: background-color .2s;
}
.row-link:hover { background: var(--white); color: var(--ink); }
.row-link:hover .row-name { text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: .2em; text-decoration-color: var(--blue); }
.row-ico { width: 2.75rem; height: 2.75rem; border-radius: 50%; background: var(--navy); color: var(--white); display: grid; place-items: center; }
.row-ico .ico { width: 1.35rem; height: 1.35rem; }
.row-name { display: block; font: 700 1.125rem/1.2 var(--font-display); letter-spacing: -.005em; }
.row-short { display: block; font-size: .9375rem; color: var(--muted); }
.row-arrow { color: var(--blue-ink); transition: transform .25s var(--ease); }
.row-link:hover .row-arrow { transform: translateX(4px); }

/* por que corretora */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr); gap: clamp(2rem, 6vw, 5rem); align-items: start; }
.points li { padding-block: 1.4rem; border-top: 1px solid var(--line); }
.points li:last-child { border-bottom: 1px solid var(--line); }
.points h3 { margin-bottom: .4rem; }
.points p { margin: 0; color: var(--muted); }

/* como funciona */
.steps { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(1.5rem, 4vw, 3rem); counter-reset: s; }
.steps li { border-top: 2px solid var(--sky); padding-top: 1.25rem; counter-increment: s; }
.steps li::before { content: counter(s); display: block; font: 800 clamp(3rem, 6vw, 4.5rem)/1 var(--font-display); color: var(--sky); margin-bottom: .75rem; }
.steps h3 { color: var(--white); margin-bottom: .5rem; }
.steps p { color: var(--on-navy-soft); margin: 0; }

/* faq */
.faq { max-width: 52rem; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 64px; padding: 1rem 0;
  font: 700 1.1875rem/1.3 var(--font-display); letter-spacing: -.005em;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary .ico { color: var(--blue-ink); transition: transform .3s var(--ease); }
.faq details[open] summary .ico { transform: rotate(45deg); }
.faq details > div { padding: 0 0 1.25rem; color: var(--muted); }
.faq details > div p { margin: 0; }

/* chamada final */
.cta { background: var(--paper); }
.cta-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.cta-actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.75rem; }
.contact-list { display: grid; gap: 1.1rem; }
.contact-list li { display: grid; grid-template-columns: 2.5rem 1fr; gap: .9rem; align-items: start; }
.contact-list .row-ico { width: 2.5rem; height: 2.5rem; }
.contact-list strong { display: block; font-size: .875rem; letter-spacing: .04em; color: var(--muted); font-weight: 600; }
.contact-list a { color: var(--ink); font-weight: 600; }

/* ---------- páginas internas ---------- */
.page-hero { background: var(--navy); color: var(--on-navy); padding-block: clamp(2.5rem, 6vw, 4.5rem); position: relative; overflow: hidden; isolation: isolate; }
.page-hero::after { content: ""; position: absolute; z-index: -1; right: -120px; top: -80px; width: 420px; aspect-ratio: 1; background: url("../img/sphere-320.webp") center/contain no-repeat; opacity: .16; }
.page-hero h1 { font-size: clamp(2rem, 1.2rem + 3.6vw, 3.75rem); max-width: 20ch; }
.page-hero p { color: var(--on-navy-soft); font-size: 1.1875rem; margin: 1rem 0 0; max-width: 56ch; }
.crumbs { font-size: .875rem; margin-bottom: 1.25rem; color: var(--on-navy-soft); }
.crumbs a { color: var(--on-navy); }
.crumbs span[aria-hidden] { margin-inline: .5rem; opacity: .6; }

.product { display: grid; grid-template-columns: minmax(0, 1fr) 22rem; gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
.prose h2 { font-size: clamp(1.4rem, 1.1rem + 1vw, 1.9rem); margin: 2.25rem 0 1rem; }
.prose h2:first-child { margin-top: 0; }
.checks li { display: grid; grid-template-columns: 1.5rem 1fr; gap: .75rem; padding-block: .7rem; border-bottom: 1px solid var(--line); }
.checks .ico { color: var(--wa); margin-top: .15rem; }
.aside { position: sticky; top: calc(var(--header-h) + 1.25rem); background: var(--navy); color: var(--on-navy); border-radius: 14px; padding: 1.5rem; }
.aside h2 { font-size: 1.5rem; margin-bottom: .6rem; }
.aside p { color: var(--on-navy-soft); font-size: .9875rem; }
.aside .btn { width: 100%; margin-bottom: .75rem; }
.aside-phone { display: flex; align-items: center; gap: .6rem; color: var(--on-navy); font-weight: 600; text-decoration: none; margin-top: .5rem; }
.aside-phone:hover { color: var(--sky); }
.related { margin-top: 3rem; }
.related-title { font-size: 1.5rem; margin-bottom: 1rem; }
.muted-note { margin-top: 1rem; color: var(--muted); font-size: .9375rem; }

/* sobre */
.values { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(1.25rem, 3vw, 2.5rem); }
.values li { border-top: 2px solid var(--navy); padding-top: 1rem; }
.values h3 { margin-bottom: .4rem; }
.values p { color: var(--muted); margin: 0; }

/* contato / formulário */
.contact-grid { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
.form-card { background: var(--paper); border-radius: 14px; padding: clamp(1.25rem, 3vw, 2rem); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 1rem; }
.field-error { display: none; color: var(--danger); font-size: .875rem; font-weight: 600; margin-top: .35rem; }
.field.has-error .field-error { display: block; }
.field.has-error .input, .field.has-error .select, .field.has-error .textarea { border-color: var(--danger); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.check { display: grid; grid-template-columns: 1.4rem 1fr; gap: .7rem; align-items: start; font-size: .9375rem; color: var(--muted); margin-bottom: 1.25rem; }
.check input { width: 1.25rem; height: 1.25rem; margin-top: .2rem; }
.alert { padding: 1rem 1.15rem; border-radius: var(--radius-sm); margin-bottom: 1.25rem; font-weight: 600; }
.alert-ok { background: #e3f4ea; color: #0c4a27; }
.alert-err { background: #fbe9e7; color: #7a1a14; }
.map-link { margin-top: 1.5rem; }

/* 404 */
.nf { text-align: left; padding-block: clamp(3rem, 8vw, 6rem); }
.nf-code { font: 800 clamp(5rem, 16vw, 11rem)/.9 var(--font-display); color: var(--sky); margin-bottom: 1rem; }

/* ---------- rodapé ---------- */
.site-footer { background: var(--navy-deep); color: var(--on-navy); padding-top: clamp(3rem, 6vw, 4.5rem); }
.footer-grid { display: grid; grid-template-columns: 1.4fr .8fr .8fr 1.3fr; gap: clamp(1.5rem, 4vw, 3rem); padding-bottom: 2.5rem; }
.footer-brand p { color: var(--on-navy-soft); margin: 1rem 0 1.25rem; font-size: .9875rem; }
.footer-h { font: 700 .8125rem/1 var(--font-body); letter-spacing: .12em; text-transform: uppercase; color: var(--sky); margin-bottom: 1rem; }
.footer-list li { margin-bottom: .5rem; }
.site-footer a { color: var(--on-navy); text-decoration-color: rgba(255, 255, 255, .3); }
.site-footer a:hover { color: var(--sky); }
.footer-contact { font-style: normal; }
.footer-contact p { display: grid; grid-template-columns: 1.4rem 1fr; gap: .6rem; margin: 0 0 .75rem; font-size: .9875rem; }
.footer-contact .ico { width: 1.15rem; height: 1.15rem; color: var(--sky); margin-top: .25rem; }
.footer-legal { border-top: 1px solid var(--line-navy); padding-block: 1.25rem 5.5rem; font-size: .8125rem; color: var(--on-navy-soft); display: flex; flex-wrap: wrap; justify-content: space-between; gap: .5rem 2rem; }
.footer-legal p { margin: 0; }

/* ---------- WhatsApp flutuante e cookies ---------- */
.wa-fab {
  position: fixed; right: 20px; bottom: 20px; z-index: 60; display: grid; place-items: center;
  width: 60px; height: 60px; border-radius: 50%; background: #25D366; color: #fff; text-decoration: none;
  box-shadow: 0 8px 20px -4px rgba(0, 40, 25, .45); transition: background-color .2s, transform .25s var(--ease), bottom .3s var(--ease);
}
.wa-fab:hover { background: #1ebe5b; color: #fff; transform: scale(1.06); }
.wa-fab .ico-logo { width: 34px; height: 34px; fill: currentColor; stroke: none; }
.cookie {
  position: fixed; left: 18px; bottom: 18px; z-index: 70; max-width: 36rem; background: var(--white); color: var(--ink);
  border-radius: 14px; padding: 1.15rem 1.25rem; box-shadow: 0 18px 44px -10px rgba(0, 20, 28, .5); border: 1px solid var(--line);
}
.cookie[hidden] { display: none; }
.cookie p { font-size: .9375rem; margin: 0 0 .9rem; }
.cookie-actions { display: flex; gap: .6rem; flex-wrap: wrap; }
.cookie .btn { min-height: 44px; flex: 1 1 auto; }

@media (max-width: 880px) {
  .groups, .split, .cta-grid, .contact-grid { grid-template-columns: 1fr; }
  .product { grid-template-columns: 1fr; }
  .aside { position: static; order: -1; }
  .steps, .values { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand, .footer-contact { grid-column: 1 / -1; }
  .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .wa-fab { right: 14px; bottom: 14px; width: 56px; height: 56px; }
  .cookie { left: 10px; right: 10px; bottom: 10px; max-width: none; }
  body.has-cookie .wa-fab { bottom: 190px; }
  .footer-grid { grid-template-columns: 1fr; }
}

.contact-stack { margin-top: 2rem; }
.form-title { font-size: 1.5rem; margin-bottom: 1.25rem; }
#form-status:empty { display: none; }
#form-status:focus { outline: none; }

/* ---------- cartões de seguros ---------- */
.groups-tiles { display: grid; gap: clamp(2.5rem, 5vw, 4rem); }
.tiles { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 15rem), 1fr)); gap: 1rem; margin-top: 1.5rem; }
.tile {
  display: flex; flex-direction: column; align-items: flex-start; gap: .25rem; height: 100%; padding: 1.25rem; text-decoration: none;
  background: var(--white); color: var(--ink); border: 1px solid var(--line); border-radius: 14px;
  transition: transform .3s var(--ease), border-color .2s;
}
.tile:hover { transform: translateY(-4px); border-color: var(--blue); color: var(--ink); }
.tile-art { display: grid; place-items: center; width: 5rem; height: 5rem; border-radius: 14px; background: #e8f5fc; margin-bottom: .85rem; }
.ico-lg { width: 3.75rem; height: 3.75rem; }
.tile-name { font: 700 1.1875rem/1.2 var(--font-display); letter-spacing: -.005em; }
.tile-short { font-size: .9375rem; color: var(--muted); }
.tile-go { margin-top: auto; padding-top: .9rem; display: inline-flex; align-items: center; gap: .4rem; font-weight: 700; font-size: .9375rem; color: var(--blue-ink); }
.tile-go .ico { width: 1.15rem; height: 1.15rem; transition: transform .25s var(--ease); }
.tile:hover .tile-go .ico { transform: translateX(4px); }
@media (prefers-reduced-motion: reduce) { .tile, .tile-go .ico { transition: none; } .tile:hover { transform: none; } }

/* ---------- seguros online ---------- */
.online { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(1rem, 3vw, 2rem); }
.online-card { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: clamp(1.5rem, 3vw, 2.25rem); display: flex; flex-direction: column; }
.online-card .tile-art { margin-bottom: 1.25rem; }
.online-card h2 { font-size: clamp(1.5rem, 1.1rem + 1.4vw, 2rem); margin-bottom: .75rem; }
.online-card .checks { margin: 1rem 0 1.5rem; }
.online-actions { margin-top: auto; display: flex; flex-wrap: wrap; gap: .75rem; }
@media (max-width: 880px) { .online { grid-template-columns: 1fr; } }

/* ---------- avaliações ---------- */
.reviews-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 1.5rem 3rem; flex-wrap: wrap; }
.rating { display: inline-grid; grid-template-columns: auto auto; align-items: center; gap: .1rem .75rem; padding: 1rem 1.25rem; margin-bottom: clamp(2rem, 4vw, 3.25rem); background: var(--white); border: 1px solid var(--line); border-radius: 14px; color: var(--ink); text-decoration: none; transition: border-color .2s; }
.rating:hover { border-color: var(--blue); color: var(--ink); }
.rating-num { grid-row: span 2; font: 800 2.75rem/1 var(--font-display); letter-spacing: -.02em; color: var(--navy); }
.rating-stars { display: inline-flex; gap: 2px; color: #f2a900; }
.rating-stars .ico { width: 1.15rem; height: 1.15rem; fill: currentColor; stroke: none; }
.rating-count { font-size: .875rem; color: var(--muted); font-weight: 600; }

/* carrossel de avaliações */
.carousel { position: relative; margin-bottom: 1.75rem; }
.carousel-track { display: flex; gap: 1rem; overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: none; padding-block: .25rem; scroll-behavior: smooth; }
.carousel-track::-webkit-scrollbar { display: none; }
.review { flex: 0 0 calc((100% - 2rem) / 3); scroll-snap-align: start; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 1.4rem; display: flex; flex-direction: column; gap: .9rem; min-height: 12rem; }
.review-top { display: grid; grid-template-columns: auto 1fr auto; gap: .8rem; align-items: center; }
.avatar { width: 2.9rem; height: 2.9rem; border-radius: 50%; display: grid; place-items: center; font: 700 1rem/1 var(--font-body); color: #fff; letter-spacing: .02em; }
.avatar-0 { background: var(--navy); } .avatar-1 { background: var(--blue-ink); } .avatar-2 { background: #2c6e83; }
.review-who strong { display: block; font-size: 1rem; line-height: 1.25; color: var(--blue-ink); }
.review-who span { display: block; font-size: .8125rem; color: var(--muted); line-height: 1.3; }
.g-logo { width: 1.6rem; height: 1.6rem; }
.review-stars { display: flex; align-items: center; gap: .6rem; margin: 0; font-size: .875rem; color: var(--muted); }
.review-text { margin: 0; font-size: 1.0625rem; line-height: 1.55; color: var(--ink); }
.carousel-ctrl { display: flex; justify-content: center; gap: .6rem; margin-top: 1.25rem; }
.car-btn { width: 48px; height: 48px; border-radius: 50%; border: 1.5px solid var(--navy); background: var(--white); color: var(--navy); display: grid; place-items: center; cursor: pointer; transition: background-color .2s, color .2s; }
.car-btn:hover { background: var(--navy); color: var(--white); }
.car-btn .flip { transform: scaleX(-1); }
.car-btn .ico-play { display: none; } .car-btn[aria-pressed="true"] .ico-pause { display: none; } .car-btn[aria-pressed="true"] .ico-play { display: block; }
.car-btn .ico-play { fill: currentColor; stroke: none; }
@media (max-width: 1000px) { .review { flex-basis: calc((100% - 1rem) / 2); } }
@media (max-width: 620px) { .review { flex-basis: 88%; } }

/* movimento sutil: entrada ao rolar (só quando há JS; sem JS tudo aparece) */
html.js .rv { opacity: 0; transform: translateY(20px); }
html.js .rv.in { opacity: 1; transform: none; transition: opacity .7s var(--ease), transform .7s var(--ease); transition-delay: var(--d, 0s); }
.hero-sphere { will-change: transform; }
.tile:hover .tile-art .ico-lg { animation: wiggle .5s var(--ease); }
@keyframes wiggle { 30% { transform: rotate(-6deg) scale(1.06); } 65% { transform: rotate(3deg) scale(1.03); } }
.wa-fab::after { content: ""; position: absolute; inset: 0; border-radius: 50%; border: 2px solid #25D366; opacity: 0; animation: ring 6s ease-out 3s infinite; pointer-events: none; }
@keyframes ring { 0% { transform: scale(1); opacity: .55; } 12% { transform: scale(1.5); opacity: 0; } 100% { transform: scale(1.5); opacity: 0; } }
.steps li::before { transition: transform .5s var(--ease); transform-origin: left bottom; }
.steps li:hover::before { transform: scale(1.08); }
@media (prefers-reduced-motion: reduce) {
  html.js .rv { opacity: 1; transform: none; }
  .wa-fab::after, .tile:hover .tile-art .ico-lg { animation: none; }
  .carousel-track { scroll-behavior: auto; }
}

/* celular: seguradoras em 3 colunas e cartões de seguro em 2 */
@media (max-width: 620px) {
  .insurers-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: .6rem; }
  .insurers-grid li { height: 4.5rem; padding: .6rem .7rem; }
  .insurers-grid img { max-height: 2rem; }
  .tiles { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .75rem; }
  .tile { padding: .9rem; }
  .tile-art { width: 3.75rem; height: 3.75rem; margin-bottom: .6rem; }
  .ico-lg { width: 2.75rem; height: 2.75rem; }
  .tile-name { font-size: 1rem; }
  .tile-short { font-size: .8125rem; line-height: 1.35; }
  .tile-go { padding-top: .6rem; font-size: .875rem; }
}

@media (max-width: 880px) {
  .reviews-head { flex-direction: column; align-items: flex-start; gap: 0; }
  .reviews-head .section-head { margin-bottom: 1.25rem; }
  .rating { margin-bottom: 1.5rem; }
}
@media (max-width: 620px) {
  .cta-actions .btn { flex: 1 1 100%; }
}