/* =========================================================
   JUROS HOJE — Design System Global e Responsivo
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=DM+Sans:wght@300;400;500;600&display=swap');

/* ---- CSS Custom Properties ---- */
:root {
  --green:        #0E9E6E;
  --green-dark:   #07784F;
  --green-light:  #E6F7F1;
  --green-mid:    #C2EBD9;
  --white:        #FFFFFF;
  --off-white:    #F7F9F8;
  --border:       #E2EAE6;
  --text:         #111C17;
  --text-mid:     #3D5246;
  --text-muted:   #7A9289;
  --red:          #E05252;
  --shadow-sm:    0 1px 4px rgba(14,158,110,.08);
  --shadow-md:    0 4px 16px rgba(14,158,110,.12);
  --shadow-lg:    0 12px 40px rgba(14,158,110,.16);
  --radius-sm:    6px;
  --radius-md:    12px;
  --radius-lg:    20px;
  --radius-pill:  999px;
  --transition:   .22s cubic-bezier(.4,0,.2,1);
  --max-w:        1140px;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: 'DM Sans', sans-serif;
  background: var(--white);
  color: var(--text);
  line-height: 1.6;
  min-height: 100vh;
}
img { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ---- Typography ---- */
.serif { font-family: 'DM Serif Display', serif; }
h1,h2,h3 { font-family: 'DM Serif Display', serif; line-height: 1.15; }

/* ---- Layout Base ---- */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: clamp(1rem, 4vw, 2.5rem);
}

/* =========================================================
   ESTRUTURA DOS COMPONENTES (Header, Botões, etc.)
   ========================================================= */

/* ---- Header ---- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border); padding: .9rem 0;
  animation: slideDown .4s ease both;
}
.site-header .inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.logo { font-family: 'DM Serif Display', serif; font-size: 1.45rem; color: var(--green); letter-spacing: -.3px; }
.logo span { color: var(--text); }
.nav-links { display: flex; gap: .25rem; }
.nav-links a { font-size: .88rem; font-weight: 500; color: var(--text-mid); padding: .45rem .85rem; border-radius: var(--radius-pill); transition: background var(--transition), color var(--transition); }
.nav-links a:hover { background: var(--green-light); color: var(--green-dark); }
.nav-links a.active { background: var(--green-light); color: var(--green); font-weight: 600; }

/* ---- Buttons ---- */
.btn { display: inline-flex; align-items: center; gap: .5rem; padding: .75rem 1.6rem; border-radius: var(--radius-pill); font-size: .95rem; font-weight: 600; transition: all var(--transition); white-space: nowrap; }
.btn-primary { background: var(--green); color: var(--white); box-shadow: 0 2px 8px rgba(14,158,110,.25); }
.btn-primary:hover { background: var(--green-dark); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.btn-secondary { background: var(--green-light); color: var(--green-dark); border: 1.5px solid var(--green-mid); }
.btn-secondary:hover { background: var(--green-mid); transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--green); border: 1.5px solid var(--green); }
.btn-outline:hover { background: var(--green-light); transform: translateY(-2px); }
.btn-lg { padding: 1rem 2.2rem; font-size: 1.05rem; }
.btn svg { width: 18px; height: 18px; flex-shrink: 0; }

/* =========================================================
   SEÇÕES DA PÁGINA INICIAL (Migradas do HTML)
   ========================================================= */

/* ── Hero ───────────────────────────────────────────── */
.hero { padding: clamp(3rem, 8vw, 6rem) 0 clamp(2.5rem, 6vw, 5rem); background: linear-gradient(160deg, var(--green-light) 0%, var(--white) 55%); overflow: hidden; position: relative; }
.hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 60% 60% at 75% 30%, rgba(14,158,110,.06) 0%, transparent 70%); pointer-events: none; }
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: .5rem; font-size: .8rem; font-weight: 600; color: var(--green); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 1.1rem; }
.hero-eyebrow span { width: 24px; height: 2px; background: var(--green); border-radius: 2px; }
.hero h1 { font-size: clamp(2.6rem, 5vw, 4rem); color: var(--text); margin-bottom: 1.1rem; line-height: 1.1; }
.hero h1 em { font-style: normal; color: var(--green); }
.hero-sub { font-size: 1.05rem; color: var(--text-mid); max-width: 460px; line-height: 1.7; margin-bottom: 2rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; }

/* ── Indicadores flutuantes ─────────────────────────── */
.hero-visual { position: relative; display: flex; flex-direction: column; gap: 1rem; }
.rate-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1.25rem 1.5rem; box-shadow: var(--shadow-sm); display: flex; align-items: center; justify-content: space-between; gap: 1rem; animation: fadeUp .5s ease both; }
.rate-card:nth-child(2) { animation-delay: .1s; }
.rate-card:nth-child(3) { animation-delay: .2s; }
.rate-card-label { font-size: .8rem; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: .6px; margin-bottom: .3rem; }
.rate-card-value { font-family: 'DM Serif Display', serif; font-size: 2rem; color: var(--text); line-height: 1; }
.rate-card-delta { font-size: .78rem; font-weight: 600; margin-top: .25rem; }
.delta-up   { color: var(--red); }
.delta-down { color: var(--green); }
.rate-icon { width: 44px; height: 44px; border-radius: 50%; background: var(--green-light); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.rate-icon svg { width: 22px; height: 22px; stroke: var(--green); }
.updated-tag { font-size: .75rem; color: var(--text-muted); text-align: right; margin-top: .25rem; }

/* ── AI Search Bar (Perito Forecast) ───────────────── */
.ai-search-section { padding: 0 0 clamp(2rem, 5vw, 4rem); margin-top: -2.5rem; position: relative; z-index: 10; }
.ai-search-wrapper { background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 1.25rem; box-shadow: var(--shadow-lg); max-width: 800px; margin: 0 auto; }
.ai-label { display: flex; align-items: center; gap: 0.5rem; font-size: 0.85rem; font-weight: 600; color: var(--green); margin-bottom: 0.75rem; text-transform: uppercase; letter-spacing: 0.5px; }
.ai-label svg { width: 18px; height: 18px; }
.ai-form { display: flex; gap: 0.5rem; position: relative; }
.ai-input { flex: 1; background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 0 1rem; min-height: 52px; font-size: 16px; color: var(--text); transition: all var(--transition); font-family: inherit; }
.ai-input:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 3px var(--green-light); background: var(--white); }
.ai-submit { width: 52px; height: 52px; border-radius: var(--radius-md); background: var(--green); color: var(--white); display: flex; align-items: center; justify-content: center; transition: background var(--transition); flex-shrink: 0; }
.ai-submit:hover { background: var(--green-dark); }
.ai-submit svg { width: 22px; height: 22px; }

.ai-response-container { margin-top: 1rem; padding-top: 1rem; border-top: 1px dashed var(--border); display: none; }
.ai-response-container.active { display: block; animation: fadeUp 0.4s ease; }
.ai-loading { display: flex; gap: 4px; align-items: center; padding: 0.5rem 0; }
.ai-dot { width: 6px; height: 6px; background: var(--green); border-radius: 50%; animation: aiBounce 1.4s infinite ease-in-out both; }
.ai-dot:nth-child(1) { animation-delay: -0.32s; }
.ai-dot:nth-child(2) { animation-delay: -0.16s; }
@keyframes aiBounce { 0%, 80%, 100% { transform: scale(0); } 40% { transform: scale(1); } }
.ai-answer { font-size: 0.95rem; line-height: 1.6; color: var(--text-mid); }
.ai-answer p { margin-bottom: 1rem; }
.ai-answer p:last-child { margin-bottom: 0; }
.ai-answer ul, .ai-answer ol { margin-bottom: 1rem; padding-left: 1.5rem; }
.ai-answer li { margin-bottom: 0.25rem; }
.ai-answer strong { color: var(--text); }
.ai-answer h4 { margin: 1rem 0 0.5rem; color: var(--text); font-size: 1.05rem; }

/* ── Seção "O que deseja fazer?" ────────────────────── */
.actions-section { padding: clamp(3rem, 6vw, 5rem) 0; }
.section-label { font-size: .8rem; font-weight: 600; color: var(--green); text-transform: uppercase; letter-spacing: 1px; margin-bottom: .75rem; }
.section-title { font-size: clamp(1.6rem, 3vw, 2.2rem); color: var(--text); margin-bottom: .75rem; }
.section-sub { font-size: 1rem; color: var(--text-muted); max-width: 520px; margin-bottom: 2.5rem; line-height: 1.7; }
.action-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.action-card { display: flex; flex-direction: column; gap: 1rem; background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem; cursor: pointer; text-decoration: none; transition: all var(--transition); }
.action-card:hover { border-color: var(--green); box-shadow: var(--shadow-lg); transform: translateY(-5px); }
.action-card:hover .action-arrow { transform: translateX(4px); }
.action-icon { width: 52px; height: 52px; border-radius: var(--radius-md); background: var(--green-light); display: flex; align-items: center; justify-content: center; }
.action-icon svg { width: 26px; height: 26px; stroke: var(--green-dark); }
.action-title { font-family: 'DM Serif Display', serif; font-size: 1.3rem; color: var(--text); }
.action-desc { font-size: .9rem; color: var(--text-muted); line-height: 1.6; flex: 1; }
.action-footer { display: flex; align-items: center; justify-content: space-between; margin-top: .25rem; }
.action-cta { font-size: .88rem; font-weight: 600; color: var(--green); }
.action-arrow { color: var(--green); transition: transform var(--transition); }
.action-arrow svg { width: 18px; height: 18px; }

/* ── Seção Contexto ─────────────────── */
.context-section { padding: clamp(3rem, 6vw, 5rem) 0; background: var(--off-white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.context-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
.context-list { list-style: none; display: flex; flex-direction: column; gap: .9rem; }
.context-list li { display: flex; gap: .85rem; align-items: flex-start; font-size: .95rem; color: var(--text-mid); line-height: 1.6; }
.context-list li .dot { width: 20px; height: 20px; border-radius: 50%; background: var(--green-light); border: 2px solid var(--green-mid); flex-shrink: 0; margin-top: 2px; display: flex; align-items: center; justify-content: center; }
.context-list li .dot::after { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--green); }
.context-stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.context-stat { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1.25rem; }
.context-stat-value { font-family: 'DM Serif Display', serif; font-size: 1.8rem; color: var(--green); line-height: 1; }
.context-stat-label { font-size: .82rem; color: var(--text-muted); margin-top: .3rem; }

/* =========================================================
   ELEMENTOS DE APOIO (Footer, Inputs, Helpers)
   ========================================================= */

/* ---- Footer ---- */
.site-footer { background: var(--off-white); border-top: 1px solid var(--border); padding: 2.5rem 0; margin-top: 5rem; }
.site-footer .inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1rem; }
.footer-copy { font-size: .83rem; color: var(--text-muted); }
.footer-links { display: flex; gap: 1.25rem; }
.footer-links a { font-size: .83rem; color: var(--text-muted); transition: color var(--transition); }
.footer-links a:hover { color: var(--green); }

/* ---- Range Input ---- (Corrigido o aviso do VS Code) */
input[type="range"] {
  -webkit-appearance: none;
  appearance: none; 
  width: 100%;
  height: 4px;
  background: var(--border);
  border-radius: var(--radius-pill);
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 0 4px var(--green-light);
  cursor: pointer;
  transition: box-shadow var(--transition);
}
input[type="range"]::-webkit-slider-thumb:hover { box-shadow: 0 0 0 6px var(--green-mid); }

/* ---- Hamburger Menu ---- */
.hamburger { display: none; flex-direction: column; gap: 5px; padding: .4rem; }
.hamburger span { display: block; width: 22px; height: 2px; background: var(--text); border-radius: 2px; transition: all var(--transition); }
.mobile-nav { display: none; flex-direction: column; gap: .25rem; padding: .75rem 0; border-top: 1px solid var(--border); animation: fadeUp .25s ease both; }
.mobile-nav a { font-size: .95rem; font-weight: 500; color: var(--text-mid); padding: .6rem .85rem; border-radius: var(--radius-sm); display: block; }
.mobile-nav a:hover { background: var(--green-light); color: var(--green); }

/* ---- Animations ---- */
@keyframes slideDown { from { opacity:0; transform:translateY(-10px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeUp { from { opacity:0; transform:translateY(18px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeIn { from { opacity:0; } to { opacity:1; } }
.anim-fade-up { animation: fadeUp .55s ease both; }
.delay-1 { animation-delay:.08s; }
.delay-2 { animation-delay:.16s; }
.delay-3 { animation-delay:.24s; }

/* =========================================================
   MÍDIA QUERIES - RESPONSIVIDADE TOTAL (PC, Tablet, Mobile)
   ========================================================= */

/* Desktop Médio / Tablets grandes */
@media (max-width: 900px) {
  .hero-inner   { grid-template-columns: 1fr; }
  .hero-visual  { display: none; }
  .action-grid  { grid-template-columns: 1fr; }
  .context-grid { grid-template-columns: 1fr; }
}

/* Tablets menores e transição de Menu */
@media (max-width: 768px) {
  .hamburger { display: flex; }
  .nav-links  { display: none; }
  .mobile-nav.open { display: flex; }
}

/* Celulares */
@media (max-width: 600px) {
  .hero-actions { flex-direction: column; }
  .btn { justify-content: center; }
}

/* =========================================================
   COMPONENTES DE PÁGINA INTERNA
   (Perfis, Hubs, Simuladores — evita duplicação nos <style>)
   ========================================================= */

/* ── Page Hero ──────────────────────────────────────── */
.page-hero {
  padding: clamp(2.5rem, 6vw, 4rem) 0 2.5rem;
  background: linear-gradient(160deg, var(--green-light) 0%, var(--white) 65%);
}
.page-hero-warm {
  background: linear-gradient(160deg, #FFF8EE 0%, var(--white) 65%);
}

/* ── Breadcrumb ─────────────────────────────────────── */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .82rem;
  color: var(--text-muted);
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
}
.breadcrumb a { color: var(--green); }
.breadcrumb a:hover { text-decoration: underline; }

/* ── Chip badge ─────────────────────────────────────── */
.chip {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: var(--green-light);
  border: 1px solid var(--green-mid);
  border-radius: var(--radius-pill);
  padding: .3rem .85rem;
  font-size: .8rem;
  font-weight: 600;
  color: var(--green-dark);
  margin-bottom: 1rem;
}
.chip-orange { background: #FFF3E0; border-color: #FFD699; color: #B36000; }

/* ── Page title / sub ───────────────────────────────── */
.page-title { font-size: clamp(1.8rem, 4vw, 2.6rem); color: var(--text); margin-bottom: .75rem; }
.page-sub   { font-size: 1rem; color: var(--text-muted); max-width: 560px; line-height: 1.7; }

/* ── Content layout ─────────────────────────────────── */
.content-section { padding: 3rem 0 5rem; }
.content-grid {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 2.5rem;
  align-items: start;
}

/* ── Edu blocks ─────────────────────────────────────── */
.edu-block { margin-bottom: 2rem; }
.edu-block-title {
  font-family: 'DM Serif Display', serif;
  font-size: 1.25rem;
  color: var(--text);
  margin-bottom: .75rem;
}
.edu-block p { font-size: .95rem; color: var(--text-mid); line-height: 1.7; margin-bottom: .75rem; }

/* ── Compare table ──────────────────────────────────── */
.compare-table { width: 100%; border-collapse: collapse; font-size: .88rem; margin: 1.5rem 0; }
.compare-table th {
  text-align: left;
  padding: .7rem 1rem;
  background: var(--green-light);
  color: var(--green-dark);
  font-weight: 600;
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .4px;
}
.compare-table td { padding: .75rem 1rem; border-bottom: 1px solid var(--border); color: var(--text-mid); }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: var(--off-white); }
.compare-table .highlight { color: var(--green-dark); font-weight: 600; }
.compare-table .dim       { color: var(--text-muted); }
.compare-table .red       { color: var(--red); font-weight: 700; }

/* ── Info box ───────────────────────────────────────── */
.info-box {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-left: 3px solid var(--green);
  border-radius: var(--radius-sm);
  padding: 1rem 1.25rem;
  font-size: .9rem;
  color: var(--text-mid);
  line-height: 1.6;
  margin-bottom: 2rem;
}

/* ── Steps (processo passo a passo) ─────────────────── */
.steps { display: flex; flex-direction: column; gap: 1.5rem; margin-bottom: 2rem; }
.step { display: grid; grid-template-columns: 40px 1fr; gap: 1rem; align-items: start; }
.step-num {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--green-light);
  border: 2px solid var(--green-mid);
  display: flex; align-items: center; justify-content: center;
  font-family: 'DM Serif Display', serif;
  font-size: 1.1rem;
  color: var(--green-dark);
  flex-shrink: 0;
}
.step-body h3 { font-size: 1rem; font-weight: 600; color: var(--text); margin-bottom: .35rem; }
.step-body p  { font-size: .9rem; color: var(--text-muted); line-height: 1.65; }

/* ── Question cards ─────────────────────────────────── */
.question-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1.5rem; }
.question-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.25rem;
}
.question-card .q { font-size: .85rem; font-weight: 600; color: var(--text); margin-bottom: .4rem; }
.question-card .a { font-size: .83rem; color: var(--text-muted); line-height: 1.5; }

/* ── Sidebar ────────────────────────────────────────── */
.sidebar { display: flex; flex-direction: column; gap: 1.25rem; }
.sidebar-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.5rem;
}
.sidebar-card-title {
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .5px;
  color: var(--text-muted);
  margin-bottom: 1rem;
}
.rate-item { display: flex; align-items: center; justify-content: space-between; padding: .6rem 0; border-bottom: 1px solid var(--border); }
.rate-item:last-child { border-bottom: none; }
.rate-item-label { font-size: .88rem; color: var(--text-mid); }
.rate-item-value { font-family: 'DM Serif Display', serif; font-size: 1.1rem; color: var(--text); }
.rate-item-value.green { color: var(--green); }
.rate-item-value.red   { color: var(--red); }

/* ── CTA card (sidebar verde) ───────────────────────── */
.cta-card { background: var(--green); border-radius: var(--radius-md); padding: 1.5rem; color: var(--white); }
.cta-card h3 { font-family: 'DM Serif Display', serif; font-size: 1.2rem; margin-bottom: .5rem; color: var(--white); }
.cta-card p  { font-size: .88rem; opacity: .85; margin-bottom: 1.25rem; line-height: 1.5; }
.cta-card .btn { background: var(--white); color: var(--green-dark); width: 100%; justify-content: center; }
.cta-card .btn:hover { background: var(--green-light); }

/* ── Hub page layout ────────────────────────────────── */
.hub-section { padding: clamp(3rem, 6vw, 5rem) 0; }
.hub-section + .hub-section { border-top: 1px solid var(--border); }

/* ── Blog cards ─────────────────────────────────────── */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.blog-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  transition: all var(--transition);
}
.blog-card:hover { border-color: var(--green); box-shadow: var(--shadow-md); transform: translateY(-3px); }
.blog-card-tag { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--green); margin-bottom: .5rem; }
.blog-card-title { font-family: 'DM Serif Display', serif; font-size: 1.05rem; color: var(--text); margin-bottom: .5rem; line-height: 1.3; }
.blog-card-desc { font-size: .85rem; color: var(--text-muted); line-height: 1.5; }

/* ── Lead form ──────────────────────────────────────── */
.lead-form { display: flex; flex-direction: column; gap: 1rem; }
.form-field { display: flex; flex-direction: column; gap: .4rem; }
.form-label { font-size: .85rem; font-weight: 600; color: var(--text); }
.form-input {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: .75rem 1rem;
  font-size: .95rem;
  font-family: inherit;
  color: var(--text);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-input:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 3px var(--green-light); }
.form-success {
  background: var(--green-light);
  border: 1px solid var(--green-mid);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  color: var(--green-dark);
  font-weight: 600;
  text-align: center;
  display: none;
}

/* ── Responsive: páginas internas ───────────────────── */
@media (max-width: 900px) {
  .content-grid { grid-template-columns: 1fr; }
  .question-cards { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .compare-table { font-size: .78rem; }
  .compare-table th, .compare-table td { padding: .5rem .75rem; }
}

/* =========================================================
   HOME — Hub buttons
   ========================================================= */
.home-hub-buttons {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: .75rem;
  margin: 1.75rem 0 2rem;
}
.home-hub-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: .4rem;
  padding: 1.1rem .75rem;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  color: var(--text);
  font-size: .88rem;
  font-weight: 600;
  text-align: center;
  transition: all var(--transition);
  line-height: 1.25;
}
.home-hub-btn:hover {
  border-color: var(--green);
  background: var(--green-light);
  color: var(--green-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}
.home-hub-btn .hub-icon { font-size: 1.4rem; }

/* =========================================================
   HOME — Question chips
   ========================================================= */
.home-chips { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: .75rem; }
.home-chip {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-pill);
  padding: .45rem 1rem;
  font-size: .83rem;
  color: var(--text-mid);
  cursor: pointer;
  transition: all var(--transition);
}
.home-chip:hover { background: var(--green-light); border-color: var(--green-mid); color: var(--green-dark); }
.chat-disclaimer { font-size: .75rem; color: var(--text-muted); text-align: center; margin-top: .75rem; }

/* =========================================================
   HOME — Rate cards grid
   ========================================================= */
.home-rates-section {
  padding: clamp(3rem, 5vw, 4rem) 0;
  background: var(--off-white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.home-rate-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 1rem; }
.home-rate-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.25rem 1rem;
  text-align: center;
  transition: all var(--transition);
  display: block;
}
.home-rate-card:hover { border-color: var(--green); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.home-rate-card-label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--text-muted); margin-bottom: .5rem; }
.home-rate-card-value { font-family: 'DM Serif Display', serif; font-size: 1.35rem; color: var(--green); }

/* =========================================================
   FAQ Accordion
   ========================================================= */
.faq-section { padding: clamp(3rem, 5vw, 4.5rem) 0; }
.faq-list { max-width: 780px; display: flex; flex-direction: column; gap: .5rem; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius-md); overflow: hidden; background: var(--white); }
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  padding: 1.1rem 1.5rem;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text);
  background: none;
  text-align: left;
  cursor: pointer;
  transition: background var(--transition);
}
.faq-question:hover { background: var(--off-white); }
.faq-question[aria-expanded="true"] { color: var(--green); }
.faq-icon { flex-shrink: 0; width: 1.1rem; height: 1.1rem; color: var(--text-muted); transition: transform var(--transition); }
.faq-question[aria-expanded="true"] .faq-icon { transform: rotate(45deg); color: var(--green); }
.faq-answer { display: none; padding: 0 1.5rem 1.25rem; font-size: .93rem; color: var(--text-mid); line-height: 1.7; }
.faq-answer.open { display: block; }

/* =========================================================
   SIMULATOR — Shared (embedded in hubs)
   ========================================================= */
.sim-section { padding: 3rem 0 4rem; }
.sim-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: start; }
.sim-inputs { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; }
.sim-inputs-title { font-family: 'DM Serif Display', serif; font-size: 1.2rem; color: var(--text); margin-bottom: 1.75rem; padding-bottom: 1rem; border-bottom: 1px solid var(--border); }
.input-group { margin-bottom: 1.75rem; }
.input-label { display: flex; justify-content: space-between; align-items: center; margin-bottom: .75rem; }
.input-label span:first-child { font-size: .9rem; font-weight: 600; color: var(--text); }
.input-label .input-val { font-family: 'DM Serif Display', serif; font-size: 1.1rem; color: var(--green); }
.input-hint { display: flex; justify-content: space-between; font-size: .75rem; color: var(--text-muted); margin-top: .4rem; }
.product-select { display: grid; grid-template-columns: 1fr 1fr; gap: .6rem; margin-bottom: 1.75rem; }
.product-btn { padding: .65rem; border-radius: var(--radius-sm); border: 1.5px solid var(--border); font-size: .82rem; font-weight: 500; color: var(--text-mid); text-align: center; cursor: pointer; transition: all var(--transition); background: var(--white); }
.product-btn:hover { border-color: var(--green-mid); background: var(--green-light); }
.product-btn.active { border-color: var(--green); background: var(--green-light); color: var(--green-dark); font-weight: 600; }
.type-tabs { display: flex; gap: .5rem; }
.tab-btn { padding: .55rem 1.25rem; border-radius: var(--radius-pill); border: 1.5px solid var(--border); font-size: .85rem; font-weight: 500; color: var(--text-mid); cursor: pointer; transition: all var(--transition); background: var(--white); }
.tab-btn:hover { border-color: var(--green-mid); background: var(--green-light); }
.tab-btn.active { border-color: var(--green); background: var(--green-light); color: var(--green-dark); font-weight: 600; }
.sim-results { display: flex; flex-direction: column; gap: 1rem; }
.result-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1.5rem; transition: border-color var(--transition), box-shadow var(--transition); }
.result-card.winner { border-color: var(--green); box-shadow: var(--shadow-md); }
.result-card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1rem; }
.result-card-label { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--text-muted); }
.result-card-label.green-label { color: var(--green-dark); }
.winner-badge { display: inline-flex; align-items: center; gap: .3rem; background: var(--green-light); border: 1px solid var(--green-mid); border-radius: var(--radius-pill); padding: .2rem .6rem; font-size: .72rem; font-weight: 700; color: var(--green-dark); }
.result-montante { font-family: 'DM Serif Display', serif; font-size: 2.2rem; color: var(--text); line-height: 1; margin-bottom: .3rem; }
.result-montante.green { color: var(--green); }
.result-rendimento { font-size: .85rem; color: var(--text-muted); margin-bottom: 1rem; }
.result-bars { display: flex; flex-direction: column; gap: .4rem; }
.bar-row { display: flex; align-items: center; gap: .6rem; font-size: .78rem; color: var(--text-muted); }
.bar-track { flex: 1; height: 6px; background: var(--border); border-radius: var(--radius-pill); overflow: hidden; }
.bar-fill { height: 100%; border-radius: var(--radius-pill); transition: width .5s ease; }
.bar-fill.green { background: var(--green); }
.bar-fill.gray  { background: var(--text-muted); }
.bar-fill.light { background: var(--green-mid); }
.diff-card { background: var(--green-light); border: 1px solid var(--green-mid); border-radius: var(--radius-md); padding: 1.5rem; }
.diff-label { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--green-dark); margin-bottom: .5rem; }
.diff-value { font-family: 'DM Serif Display', serif; font-size: 2.2rem; color: var(--green-dark); }
.diff-sub { font-size: .85rem; color: var(--green); margin-top: .25rem; }
.result-main { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1.75rem; }
.result-main-title { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--text-muted); margin-bottom: .75rem; }
.result-parcela { font-family: 'DM Serif Display', serif; font-size: 3rem; color: var(--text); line-height: 1; margin-bottom: .3rem; }
.result-parcela-label { font-size: .88rem; color: var(--text-muted); margin-bottom: 1.5rem; }
.result-breakdown { display: flex; flex-direction: column; gap: .75rem; }
.breakdown-row { display: flex; justify-content: space-between; align-items: center; padding: .6rem 0; border-bottom: 1px solid var(--border); }
.breakdown-row:last-child { border-bottom: none; }
.breakdown-label { font-size: .88rem; color: var(--text-mid); }
.breakdown-value { font-size: .95rem; font-weight: 600; color: var(--text); }
.breakdown-value.red { color: var(--red); }
.compare-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.compare-mini { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1.25rem; }
.compare-mini.active-card { border-color: var(--green); background: var(--green-light); }
.compare-mini-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .4px; color: var(--text-muted); margin-bottom: .5rem; }
.compare-mini-val { font-family: 'DM Serif Display', serif; font-size: 1.4rem; color: var(--text); }
.compare-mini-sub { font-size: .78rem; color: var(--text-muted); margin-top: .2rem; }
.amort-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1.25rem; }
.amort-card-title { font-family: 'DM Serif Display', serif; font-size: 1rem; color: var(--text); margin-bottom: .75rem; }
.amort-table { width: 100%; border-collapse: collapse; font-size: .82rem; }
.amort-table th { text-align: left; padding: .5rem .75rem; background: var(--green-light); color: var(--green-dark); font-weight: 600; font-size: .75rem; text-transform: uppercase; letter-spacing: .3px; }
.amort-table td { padding: .5rem .75rem; border-bottom: 1px solid var(--border); color: var(--text-mid); }
.amort-table tr:last-child td { border-bottom: none; }
.sim-disclaimer { background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1.25rem; font-size: .83rem; color: var(--text-muted); line-height: 1.6; }
.sim-disclaimer strong { color: var(--text-mid); }

/* Responsive extras */
@media (max-width: 900px) {
  .sim-grid { grid-template-columns: 1fr; }
  .home-hub-buttons { grid-template-columns: repeat(3, 1fr); }
  .home-rate-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 600px) {
  .home-hub-buttons { grid-template-columns: repeat(2, 1fr); }
  .home-rate-grid { grid-template-columns: repeat(2, 1fr); }
  .compare-row { grid-template-columns: 1fr 1fr; }
  .product-select { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 460px) {
  .compare-row { grid-template-columns: 1fr; }
}
/* =========================================================
   CONSULTOR HUMANO — Banner fixo rodapé
   ========================================================= */
.consultor-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 200;
  background: var(--white);
  border-top: 3px solid var(--green);
  box-shadow: 0 -4px 24px rgba(14,158,110,.14);
  padding: .7rem 0;
}
.consultor-banner-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.consultor-info {
  display: flex;
  align-items: center;
  gap: .85rem;
  min-width: 0;
}
.consultor-badge {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  background: var(--green-light);
  border: 1.5px solid var(--green-mid);
  border-radius: var(--radius-pill);
  padding: .3rem .75rem;
  font-size: .78rem;
  font-weight: 700;
  color: var(--green-dark);
  white-space: nowrap;
  flex-shrink: 0;
}
.consultor-text {
  display: flex;
  flex-direction: column;
  gap: .1rem;
  min-width: 0;
}
.consultor-titulo {
  font-size: .92rem;
  font-weight: 700;
  color: var(--text);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.consultor-esp {
  font-size: .78rem;
  color: var(--text-muted);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.consultor-actions {
  display: flex;
  align-items: center;
  gap: .6rem;
  flex-shrink: 0;
}
.consultor-tel {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  font-size: .85rem;
  font-weight: 600;
  color: var(--text-mid);
  text-decoration: none;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-pill);
  padding: .4rem .9rem;
  transition: all var(--transition);
  white-space: nowrap;
}
.consultor-tel:hover {
  border-color: var(--green-mid);
  color: var(--green-dark);
  background: var(--green-light);
}
.consultor-cta {
  white-space: nowrap;
}
@media (max-width: 768px) {
  .consultor-esp { display: none; }
  .consultor-tel { display: none; }
  .consultor-cta { font-size: .82rem; padding: .5rem 1rem; }
}
@media (max-width: 480px) {
  .consultor-badge { display: none; }
  .consultor-cta { width: 100%; justify-content: center; }
  .consultor-banner-inner { flex-wrap: wrap; }
  .consultor-actions { width: 100%; }
}