:root{
  --navy:#0B2A5E; --navy2:#0A2350; --blue:#159FBF; --lblue:#54C6DD;
  --cyan:#2CC3D6; --ice:#EAF4F8; --ice2:#F5F8FA; --line:#DDE4EC;
  --gray:#46566B; --grayl:#7C8A99; --white:#fff; --star:#F5B301;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Lato',sans-serif;color:var(--gray);line-height:1.65;background:var(--white);-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Poppins',sans-serif;color:var(--navy);line-height:1.18}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
section{padding:88px 0}
.kicker{font-family:'Poppins';font-weight:600;font-size:13px;letter-spacing:1px;color:var(--cyan);text-transform:uppercase;margin-bottom:10px}
.sec-title{font-size:34px;font-weight:700;margin-bottom:14px;letter-spacing:-.3px}
.sec-sub{font-size:17px;font-weight:300;max-width:640px;margin-bottom:8px}
.center{text-align:center;margin-left:auto;margin-right:auto}
.btn{display:inline-block;background:var(--cyan);color:var(--navy);font-family:'Poppins';font-weight:600;font-size:14.5px;
     padding:13px 24px;border-radius:10px;transition:transform .15s,box-shadow .15s;border:none;cursor:pointer}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(44,195,214,.4)}
.btn-outline{background:transparent;border:1.5px solid var(--cyan);color:var(--navy)}
.btn-white{background:var(--white);color:var(--navy)}

/* Reveal on scroll */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* Header */
header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px}
.logo img{height:50px}
.navlinks{display:flex;gap:26px;align-items:center}
.navlinks a{font-size:14.5px;color:var(--gray);transition:color .2s;font-weight:400}
.navlinks a:hover{color:var(--cyan)}
.menu-toggle{display:none;background:none;border:none;cursor:pointer}
.menu-toggle span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.3s}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 55%,#12406f 100%);color:var(--white);position:relative;overflow:hidden;padding:96px 0 104px}
.hero:before{content:"";position:absolute;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(44,195,214,.22),transparent 65%);top:-140px;right:-120px}
.hero:after{content:"";position:absolute;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(84,198,221,.14),transparent 65%);bottom:-160px;left:-80px}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.15fr .85fr;gap:50px;align-items:center}
.hero .badge{display:inline-flex;align-items:center;gap:7px;background:rgba(44,195,214,.14);border:1px solid rgba(44,195,214,.32);color:#BEEAF1;font-size:12.5px;font-weight:700;padding:6px 13px;border-radius:20px;margin-bottom:18px}
.hero h1{color:var(--white);font-size:47px;font-weight:700;letter-spacing:-.8px}
.hero h1 span{color:var(--cyan)}
.hero p{font-size:18px;font-weight:300;color:#C7DBEC;margin:20px 0 30px;max-width:520px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-trust{display:flex;gap:28px;margin-top:34px;flex-wrap:wrap}
.hero-trust div{font-size:13px;color:#AFC8DD}
.hero-trust b{display:block;font-family:'Poppins';font-weight:700;color:var(--white);font-size:22px}
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:30px;backdrop-filter:blur(4px)}
.hero-card h3{color:var(--white);font-size:19px;margin-bottom:6px}
.hero-card p{font-size:13.5px;color:#BBD2E5;margin:0 0 18px}
.mini-field{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:11px 14px;margin-bottom:10px;color:#DCEAF5;font-size:14px}

/* Proof bar */
.proof{background:var(--ice2);border-bottom:1px solid var(--line)}
.proof .wrap{display:flex;align-items:center;justify-content:center;gap:40px;flex-wrap:wrap;padding:22px 24px}
.proof .g{display:flex;align-items:center;gap:12px}
.proof .grade{font-family:'Poppins';font-weight:700;font-size:30px;color:var(--navy)}
.stars{color:var(--star);font-size:17px;letter-spacing:1px}
.proof .lbl{font-size:13px;color:var(--grayl)}
.proof .divx{width:1px;height:38px;background:var(--line)}

/* Ramos */
.ramos-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:38px}
.ramo{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:26px 22px;transition:transform .18s,box-shadow .18s,border-color .18s}
.ramo:hover{transform:translateY(-5px);box-shadow:0 16px 34px rgba(11,42,94,.10);border-color:var(--cyan)}
.ramo .ic{width:46px;height:46px;border-radius:12px;background:var(--ice);display:flex;align-items:center;justify-content:center;margin-bottom:15px}
.ramo .ic svg{width:24px;height:24px;stroke:var(--cyan);fill:none;stroke-width:1.7}
.ramo h3{font-size:17px;margin-bottom:6px}
.ramo p{font-size:13.5px;color:var(--gray)}
.ramo.feat{background:var(--navy);border-color:var(--navy)}
.ramo.feat .ic{background:rgba(44,195,214,.16)}
.ramo.feat h3{color:var(--white)}.ramo.feat p{color:#BBD2E5}
.ramo.feat .tag{display:inline-block;font-family:'Poppins';font-weight:600;font-size:10px;letter-spacing:.5px;background:var(--cyan);color:var(--navy);padding:3px 9px;border-radius:6px;margin-bottom:12px}

/* Tools */
.tools{background:var(--ice2)}
.tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:38px}
.tool{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:30px;box-shadow:0 12px 34px rgba(11,42,94,.05)}
.tool .th{display:flex;align-items:center;gap:11px;margin-bottom:5px}
.tool .th .ti{width:40px;height:40px;border-radius:11px;background:var(--ice);display:flex;align-items:center;justify-content:center;color:var(--cyan);font-family:'Poppins';font-weight:700;font-size:19px}
.tool h3{font-size:18px}
.tool .desc{font-size:13.5px;color:var(--gray);margin-bottom:16px}
.tool label{display:block;font-size:12.5px;font-weight:700;color:var(--navy);margin:10px 0 5px}
.tool select,.tool input{width:100%;padding:12px 13px;border:1.4px solid var(--line);border-radius:10px;font-family:'Lato';font-size:14.5px;color:var(--navy);background:var(--white)}
.tool select:focus,.tool input:focus{outline:none;border-color:var(--cyan)}
.tool .grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.tool .btn{width:100%;margin-top:16px}
.result{margin-top:16px;background:var(--navy);color:var(--white);border-radius:14px;padding:22px;display:none}
.result.show{display:block;animation:pop .3s ease}
@keyframes pop{from{opacity:0;transform:scale(.97)}to{opacity:1;transform:none}}
.result .big{font-family:'Poppins';font-weight:700;font-size:27px;color:var(--cyan);line-height:1.1}
.result .rl{font-size:12.5px;color:#BBD2E5;margin-bottom:8px}
.result .rrow{display:flex;justify-content:space-between;padding:7px 0;border-top:1px solid rgba(255,255,255,.13);font-size:13.5px}
.result .rrow b{color:var(--white);font-family:'Poppins'}
.result .btn{width:100%;margin-top:14px}
.result .disc{font-size:11px;color:#9FC4E6;margin-top:10px}

/* Operadoras */
.oper .strip{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:26px}
.oper .op{background:var(--ice2);border:1px solid var(--line);border-radius:30px;padding:10px 22px;font-family:'Poppins';font-weight:600;color:var(--navy);font-size:15px}

/* Reviews carousel */
.reviews{background:var(--ice2);overflow:hidden}
.rev-head{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;flex-wrap:wrap}
.rev-badge{display:flex;align-items:center;gap:14px;background:var(--white);border:1px solid var(--line);border-radius:16px;padding:14px 20px;box-shadow:0 8px 24px rgba(11,42,94,.06)}
.rev-badge .gg{font-family:'Poppins';font-weight:700;color:var(--navy);font-size:15px;display:flex;align-items:center;gap:7px}
.rev-badge .n{font-family:'Poppins';font-weight:700;font-size:30px;color:var(--navy);line-height:1}
.rev-badge .sub{font-size:12px;color:var(--grayl)}
.carousel{position:relative;margin-top:34px}
.track{display:flex;gap:22px;transition:transform .6s cubic-bezier(.4,0,.2,1);will-change:transform}
.rcard{flex:0 0 calc(33.333% - 15px);background:var(--white);border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:0 10px 30px rgba(11,42,94,.05)}
.rcard .st{color:var(--star);font-size:15px;letter-spacing:2px;margin-bottom:12px}
.rcard p{font-size:14.5px;color:var(--gray);margin-bottom:18px;min-height:96px}
.rcard .who{display:flex;align-items:center;gap:12px}
.rcard .av{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Poppins';font-weight:600;display:flex;align-items:center;justify-content:center;font-size:15px}
.rcard .nm{font-family:'Poppins';font-weight:600;color:var(--navy);font-size:14px}
.rcard .rl{font-size:11.5px;color:var(--grayl);display:flex;align-items:center;gap:4px}
.rev-ctrl{display:flex;align-items:center;justify-content:center;gap:16px;margin-top:26px}
.dots{display:flex;gap:8px}
.dot{width:9px;height:9px;border-radius:50%;background:var(--line);border:none;cursor:pointer;transition:.2s}
.dot.active{background:var(--cyan);width:24px;border-radius:5px}
.arrow{width:40px;height:40px;border-radius:50%;border:1px solid var(--line);background:#fff;cursor:pointer;color:var(--navy);font-size:17px;transition:.2s}
.arrow:hover{border-color:var(--cyan);color:var(--cyan)}

/* CTA form */
.cta-sec{background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--white)}
.cta-sec .wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:52px;align-items:center}
.cta-sec h2{color:var(--white);font-size:32px}
.cta-sec p{color:#C7DBEC;font-weight:300;margin-top:14px;font-size:16px}
.cta-sec .assur{margin-top:22px;font-size:14px;color:#AFC8DD}
.cta-sec .assur b{color:var(--cyan)}
form.cot{background:var(--white);border-radius:18px;padding:30px;box-shadow:0 26px 64px rgba(0,0,0,.28)}
form.cot h3{font-size:19px;margin-bottom:4px}
form.cot .fsub{font-size:13px;color:var(--grayl);margin-bottom:16px}
.fld{margin-bottom:12px}
.fld label{display:block;font-size:12.5px;font-weight:700;color:var(--navy);margin-bottom:5px}
.fld input,.fld select{width:100%;padding:12px 13px;border:1.4px solid var(--line);border-radius:10px;font-family:'Lato';font-size:14.5px;color:var(--navy);background:var(--white)}
.fld input:focus,.fld select:focus{outline:none;border-color:var(--cyan)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:12px}
form.cot .btn{width:100%;margin-top:8px;padding:14px;font-size:15.5px}
.privacy{font-size:11px;color:var(--grayl);text-align:center;margin-top:12px}

/* Blog teaser + listing */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:38px}
.post-card{background:var(--white);border:1px solid var(--line);border-radius:16px;overflow:hidden;transition:transform .18s,box-shadow .18s;display:flex;flex-direction:column}
.post-card:hover{transform:translateY(-5px);box-shadow:0 16px 36px rgba(11,42,94,.10)}
.post-card .thumb{height:150px;background:linear-gradient(135deg,var(--navy),var(--blue));display:flex;align-items:center;justify-content:center;color:#fff}
.post-card .thumb svg{width:52px;height:52px;stroke:rgba(255,255,255,.85);fill:none;stroke-width:1.5}
.post-card .pc{padding:22px;display:flex;flex-direction:column;flex:1}
.post-card .cat{font-family:'Poppins';font-weight:600;font-size:11px;letter-spacing:.5px;text-transform:uppercase;color:var(--cyan);margin-bottom:8px}
.post-card h3{font-size:17px;margin-bottom:8px;line-height:1.3}
.post-card p{font-size:13.5px;color:var(--gray);margin-bottom:14px;flex:1}
.post-card .rd{font-family:'Poppins';font-weight:600;font-size:13px;color:var(--navy)}

/* Sobre */
.sobre .wrap{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.sobre p{font-size:15.5px;margin-bottom:16px}
.sobre .stats{display:flex;gap:32px;margin-top:22px}
.sobre .stats b{display:block;font-family:'Poppins';font-weight:700;font-size:28px;color:var(--navy)}
.sobre .stats span{font-size:13px;color:var(--grayl)}
.sobre-img{background:var(--ice);border-radius:20px;min-height:320px;display:flex;align-items:center;justify-content:center;border:1px dashed var(--lblue);color:var(--grayl);font-size:13px;text-align:center;padding:24px}

/* Footer */
footer{background:var(--navy);color:#AFC8DD;padding:56px 0 26px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,.12)}
footer h4{color:var(--white);font-size:15px;margin-bottom:14px}
footer p,footer a{font-size:14px;color:#AFC8DD;display:block;margin-bottom:9px;transition:color .2s}
footer a:hover{color:var(--cyan)}
.foot-logo img{height:58px;margin-bottom:12px}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding-top:22px;font-size:12.5px;color:#7794AC}

/* WhatsApp float */
.wa-float{position:fixed;bottom:24px;right:24px;z-index:200;background:#25D366;width:58px;height:58px;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 24px rgba(0,0,0,.25);transition:transform .15s}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:30px;height:30px;fill:#fff}

/* Article (blog posts) */
.article-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:64px 0 56px}
.article-hero .cat{font-family:'Poppins';font-weight:600;font-size:12px;letter-spacing:1px;text-transform:uppercase;color:var(--cyan)}
.article-hero h1{color:#fff;font-size:36px;margin:12px 0 14px;max-width:820px;letter-spacing:-.5px}
.article-hero .meta{font-size:13.5px;color:#AFC8DD}
.article{max-width:760px;margin:0 auto;padding:56px 24px}
.article p{font-size:16.5px;line-height:1.85;margin-bottom:22px;color:#3b4859}
.article h2{font-size:25px;margin:38px 0 14px;color:var(--navy)}
.article h3{font-size:19px;margin:26px 0 10px;color:var(--blue)}
.article ul{margin:0 0 22px 4px;list-style:none}
.article li{position:relative;padding-left:26px;margin-bottom:11px;font-size:16px;line-height:1.7}
.article li:before{content:"";position:absolute;left:0;top:9px;width:12px;height:12px;border-radius:50%;background:var(--cyan);box-shadow:0 0 0 4px rgba(44,195,214,.16)}
.article .lead{font-size:19px;line-height:1.7;color:var(--gray);font-weight:300;margin-bottom:28px}
.article blockquote{border-left:4px solid var(--cyan);background:var(--ice2);padding:18px 22px;border-radius:0 12px 12px 0;margin:24px 0;font-size:16px;color:var(--navy)}
.article .cta-box{background:var(--navy);color:#fff;border-radius:16px;padding:28px;margin:34px 0;text-align:center}
.article .cta-box h3{color:#fff;font-size:20px;margin-bottom:8px}
.article .cta-box p{color:#C7DBEC;font-size:15px;margin-bottom:16px}
.back-link{display:inline-block;margin-bottom:8px;font-family:'Poppins';font-weight:600;font-size:13px;color:#BEEAF1}

/* Responsive */
@media(max-width:900px){
  .hero .wrap,.cta-sec .wrap,.sobre .wrap,.tools-grid{grid-template-columns:1fr;gap:34px}
  .ramos-grid,.blog-grid{grid-template-columns:1fr 1fr}
  .rcard{flex:0 0 calc(50% - 11px)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .navlinks{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;flex-direction:column;padding:18px 24px;gap:16px;border-bottom:1px solid var(--line)}
  .navlinks.open{display:flex}.menu-toggle{display:block}
  .hero h1{font-size:35px}.sec-title{font-size:27px}section{padding:62px 0}
  .article-hero h1{font-size:28px}.article p{font-size:16px}
}
@media(max-width:560px){
  .ramos-grid,.blog-grid,.foot-grid,.frow,.tool .grid2{grid-template-columns:1fr}
  .rcard{flex:0 0 100%}
}

/* Ramo pages */
.ramo-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 55%,#12406f 100%);color:#fff;padding:70px 0}
.ramo-hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.rh-text h1{color:#fff;font-size:40px;letter-spacing:-.5px;margin-bottom:16px}
.rh-text p{color:#C7DBEC;font-size:17px;font-weight:300;margin-bottom:26px;max-width:520px}
.rh-media{position:relative;min-height:300px;border-radius:20px;overflow:hidden;background:linear-gradient(135deg,#123a66,#1f5f97);display:flex;align-items:center;justify-content:center;background-size:cover;background-position:center}
.rh-icon svg{width:96px;height:96px;stroke:rgba(255,255,255,.9);fill:none;stroke-width:1.3}
.rh-media.has-photo .rh-icon{display:none}
.cov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:36px}
.cov{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;display:flex;gap:14px;transition:transform .18s,box-shadow .18s}
.cov:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(11,42,94,.08)}
.cic{flex:0 0 auto;width:42px;height:42px;border-radius:11px;background:var(--ice);display:flex;align-items:center;justify-content:center}
.cic svg{width:22px;height:22px;stroke:var(--cyan);fill:none;stroke-width:1.7}
.cov h3{font-size:15.5px;margin-bottom:4px}
.cov p{font-size:13px;color:var(--gray)}
.pq-sec{background:var(--ice2)}
.pq-wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.pq-list{list-style:none;margin-top:18px}
.pq-list li{position:relative;padding-left:30px;margin-bottom:14px;font-size:16px}
.pq-list li:before{content:"";position:absolute;left:0;top:6px;width:16px;height:16px;border-radius:50%;background:var(--cyan);box-shadow:0 0 0 4px rgba(44,195,214,.18)}
.pq-cta{background:var(--navy);color:#fff;border-radius:18px;padding:32px}
.pq-cta h3{color:#fff;font-size:21px;margin-bottom:10px}
.pq-cta p{color:#C7DBEC;font-size:15px;margin-bottom:18px}
@media(max-width:900px){.ramo-hero .wrap,.pq-wrap{grid-template-columns:1fr;gap:30px}.cov-grid{grid-template-columns:1fr 1fr}.rh-text h1{font-size:30px}}
@media(max-width:560px){.cov-grid{grid-template-columns:1fr}}

/* Ajustes finais: logo rodape + respiro do botao WhatsApp */
.foot-logo img{height:50px}
.wa-float{width:56px;height:56px}
.wa-float svg{width:32px;height:32px}
@media(max-width:900px){
  footer{padding-bottom:104px}
  .foot-logo img{height:46px}
  .foot-grid{gap:26px}
}

/* Rodape: simbolo AS + texto escrito */
.foot-logo{display:flex;flex-direction:column;align-items:flex-start;gap:9px;margin-bottom:12px}
.foot-logo .fmark{height:44px;width:auto}
.foot-brand{font-family:'Poppins';font-weight:600;font-size:12px;letter-spacing:3px;color:#fff;line-height:1}

/* Responsividade: elimina overflow horizontal (barras brancas no mobile) */
html,body{overflow-x:hidden;max-width:100%}
img,svg,video{max-width:100%}
.ramo-hero,.hero,.reviews,section{overflow-x:clip}
*{min-width:0}

/* Cards de seguro: deixar evidente que sao clicaveis */
#seguros .ramo{cursor:pointer}
.ramo-more{display:inline-flex;align-items:center;gap:5px;margin-top:14px;font-family:'Poppins';font-weight:600;font-size:13px;color:var(--cyan);transition:gap .15s}
.ramo:hover .ramo-more{gap:9px}
.ramo.feat .ramo-more{color:var(--cyan)}
/* Folga no rodape para o botao flutuante do WhatsApp nao sobrepor o texto */
footer{padding-bottom:96px}
@media(max-width:900px){ footer{padding-bottom:124px} }

/* Correcao iOS: overflow sem quebrar position:fixed + botao WhatsApp limpo */
html,body{overflow-x:clip}
*{-webkit-tap-highlight-color:transparent}
.wa-float{box-shadow:0 6px 18px rgba(37,211,102,.45)}
.wa-float:active{transform:scale(.96)}

/* Botao WhatsApp: sombra discreta, sem halo estranho */
.wa-float{box-shadow:0 2px 8px rgba(0,0,0,.22)!important;isolation:isolate;background-clip:padding-box}