/* D3 Invest — site institucional */
:root{
  --bg:#F7F9FC; --surface:#FFFFFF; --surface-2:#EEF2F8; --tint:#EAF2FE; --tint-strong:#DCE8FC;
  --border:#E3E8F0; --border-2:#D3DBE8;
  --text:#0C1731; --text-soft:#44526B; --text-dim:#75839A;
  --accent:#1B5AC9; --accent-strong:#154BAB; --accent-soft:#5B8DEB;
  --navy:#0C1731; --navy-2:#13234A; --wa:#25D366;
  --r:14px; --maxw:1200px;
  --sans:"Inter","Helvetica Neue",Arial,sans-serif;
  --shadow:0 30px 70px -30px rgba(12,23,49,.35);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--sans);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation-duration:.001ms!important;transition-duration:.001ms!important}}
h1,h2,h3,h4{margin:0;line-height:1.15;letter-spacing:-.02em;text-wrap:balance}
p{margin:0}
a{color:inherit}
img{display:block;max-width:100%}
button{font-family:inherit}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.skip{position:absolute;left:-999px;top:8px;background:var(--accent);color:#fff;padding:10px 16px;border-radius:8px;z-index:100;font-weight:600}
.skip:focus{left:8px}
.eyebrow{font-size:.74rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin:0 0 14px}
.lead{font-size:clamp(1.7rem,3.4vw,2.5rem);font-weight:800;max-width:24ch}
.prose{font-size:1.05rem;color:var(--text-soft);max-width:62ch;line-height:1.7}
.sec-head{margin-bottom:44px}
.sec-head .prose{margin-top:14px}
.center{text-align:center}
.center .lead,.center .prose{margin-left:auto;margin-right:auto}
.reveal{opacity:0;transform:translateY(16px)}
.reveal.in{opacity:1;transform:none;transition:opacity .55s ease,transform .55s ease}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}}

/* botões */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:600;font-size:.94rem;padding:13px 22px;border-radius:12px;border:1px solid transparent;cursor:pointer;text-decoration:none;white-space:nowrap;transition:background .2s,border-color .2s,color .2s,transform .12s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-strong)}
.btn-ghost{background:transparent;color:var(--text);border-color:var(--border-2)}
.btn-ghost:hover{border-color:var(--accent);color:var(--accent)}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{background:var(--tint)}
.btn-wa{background:var(--wa);color:#fff}
.btn-wa:hover{background:#1eb257}
.btn-lg{padding:16px 28px;font-size:1rem}
.btn-block{width:100%}
.btn svg{width:18px;height:18px;flex:none}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}
.bar{display:flex;align-items:center;gap:28px;height:72px}
.brand img{height:30px;width:auto}
.nav{display:flex;gap:22px;margin-left:auto;font-size:.9rem;font-weight:500}
.nav a{text-decoration:none;color:var(--text-soft);transition:color .2s}
.nav a:hover{color:var(--accent)}
.bar .btn-primary{padding:11px 18px}
.nav-toggle{display:none;margin-left:auto;background:none;border:1px solid var(--border-2);border-radius:10px;width:42px;height:40px;cursor:pointer;align-items:center;justify-content:center}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{content:"";display:block;width:18px;height:2px;background:var(--text);position:relative}
.nav-toggle span::before{position:absolute;top:-6px}.nav-toggle span::after{position:absolute;top:6px}
@media (max-width:980px){
  .nav{position:fixed;inset:72px 0 auto 0;flex-direction:column;gap:0;background:#fff;border-bottom:1px solid var(--border);padding:8px 24px 18px;margin:0;transform:translateY(-140%);transition:transform .28s ease;box-shadow:0 24px 40px -24px rgba(12,23,49,.25)}
  .nav a{padding:13px 0;border-bottom:1px solid var(--border);font-size:1rem}
  .site-header.open .nav{transform:none}
  .nav-toggle{display:flex}
  .bar .btn-primary{margin-left:0}
}
@media (max-width:520px){.bar{gap:12px}.brand img{height:25px}.bar .btn-primary{padding:9px 13px;font-size:.84rem}}

/* hero + simulador */
.hero{position:relative;background:radial-gradient(1100px 520px at 85% -10%,rgba(91,141,235,.35),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;overflow:hidden}
.hero::after{content:"";position:absolute;inset:auto -10% -60% auto;width:700px;height:700px;border-radius:50%;border:1px solid rgba(255,255,255,.07);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;grid-template-areas:"intro calc" "more calc";column-gap:56px;align-items:center;padding-top:64px;padding-bottom:72px}
.hero-intro{grid-area:intro;align-self:end}
.hero-more{grid-area:more;align-self:start}
.hero .calc{grid-area:calc}
@media (max-width:980px){
  .hero .wrap{grid-template-columns:1fr;grid-template-areas:"intro" "calc" "more";row-gap:24px;padding-top:32px;padding-bottom:48px}
  .hero h1{font-size:clamp(1.9rem,7.5vw,2.6rem)}
  .hero .sub{margin-top:8px}
}
.hero .eyebrow{color:#9FC2F5}
.hero h1{font-size:clamp(2.2rem,4.8vw,3.6rem);font-weight:800;max-width:15ch}
.hero h1 .hl{color:#8DB4F5}
.hero .sub{margin-top:18px;font-size:clamp(1rem,1.7vw,1.15rem);color:#C9D5EA;max-width:46ch}
.hero-points{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:12px}
.hero-points li{display:flex;gap:10px;align-items:flex-start;color:#DCE5F5;font-size:.95rem}
.hero-points svg{width:20px;height:20px;flex:none;margin-top:2px;fill:none;stroke:#8DB4F5;stroke-width:2.2}
.hero-note{margin-top:26px;font-size:.84rem;color:#9AAACB;max-width:52ch;border-left:2px solid rgba(141,180,245,.6);padding-left:12px}
.hero-note b{color:#fff}

.calc{background:#fff;color:var(--text);border-radius:20px;box-shadow:var(--shadow);overflow:hidden}
.calc.flash{animation:flash 1.3s ease}
@keyframes flash{30%{box-shadow:0 0 0 5px rgba(91,141,235,.55),var(--shadow)}}
.calc-head{padding:22px 24px 0}
.calc-head h2{font-size:1.25rem;font-weight:800}
.calc-head p{font-size:.88rem;color:var(--text-dim);margin-top:4px}
.calc-body{padding:20px 24px 24px}
.calc-label{display:block;font-size:.74rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--text-dim);margin:0 0 10px}
.tipos{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:22px}
@media (max-width:420px){.tipos{grid-template-columns:repeat(2,1fr)}}
.tipo{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;min-height:76px;padding:10px 6px;border:1.5px solid var(--border-2);background:#fff;border-radius:12px;cursor:pointer;font-size:.8rem;font-weight:600;color:var(--text-soft);line-height:1.2;text-align:center;transition:.15s}
.tipo svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.tipo:hover{border-color:var(--accent-soft);color:var(--accent)}
.tipo[aria-checked="true"]{border-color:var(--accent);background:var(--tint);color:var(--accent-strong)}
.valor-row{display:flex;align-items:center;gap:10px;margin-bottom:8px}
.valor-out{flex:1;text-align:center;font-size:1.7rem;font-weight:800;letter-spacing:-.02em;color:var(--navy)}
.step-btn{flex:none;width:42px;height:42px;border-radius:50%;border:1.5px solid var(--border-2);background:#fff;font-size:1.3rem;line-height:1;color:var(--accent);cursor:pointer;display:flex;align-items:center;justify-content:center}
.step-btn:hover{border-color:var(--accent);background:var(--tint)}
.step-btn:disabled{opacity:.35;cursor:not-allowed}
input[type=range].slider{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;background:linear-gradient(to right,var(--accent) var(--pct,0%),var(--surface-2) var(--pct,0%));outline:none;margin:6px 0}
.slider::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--accent);box-shadow:0 2px 8px rgba(12,23,49,.25);cursor:pointer}
.slider::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:3px solid var(--accent);cursor:pointer}
.slider:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 4px rgba(27,90,201,.3)}
.range-lim{display:flex;justify-content:space-between;font-size:.76rem;color:var(--text-dim)}
.resultado{margin-top:20px;background:var(--tint);border-radius:14px;padding:16px 18px;text-align:center}
.resultado .k{font-size:.8rem;color:var(--text-soft);font-weight:600}
.resultado .parcela{font-size:2.1rem;font-weight:800;color:var(--accent-strong);letter-spacing:-.02em;line-height:1.15;margin:2px 0}
.resultado .parcela small{font-size:.95rem;font-weight:600;color:var(--text-soft)}
.resultado .meta{font-size:.8rem;color:var(--text-dim)}
.tag-prov{display:inline-block;margin-top:8px;font-size:.7rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:#7a5200;background:#FFF4E5;border:1px solid #F5D9A8;border-radius:999px;padding:3px 10px}
.calc-cta{margin-top:16px}
.calc-legal{font-size:.72rem;color:var(--text-dim);line-height:1.45;margin-top:12px}
.calc-back{background:none;border:0;color:var(--text-dim);font-weight:600;font-size:.86rem;cursor:pointer;padding:4px 0;margin-bottom:12px}
.calc-back:hover{color:var(--accent)}
.resumo{display:flex;justify-content:space-between;gap:10px;background:var(--surface-2);border-radius:12px;padding:12px 14px;font-size:.86rem;margin-bottom:16px}
.resumo b{display:block;font-size:.98rem;color:var(--navy)}
.resumo span{color:var(--text-dim);font-size:.76rem}
.field{margin-bottom:12px}
.field label{display:block;font-size:.76rem;font-weight:700;color:var(--text-soft);margin-bottom:5px}
.field input{width:100%;padding:12px 14px;border:1.5px solid var(--border-2);border-radius:10px;font-family:inherit;font-size:1rem;color:var(--text);background:#fff}
.field input:focus{border-color:var(--accent);outline:none;box-shadow:0 0 0 3px rgba(27,90,201,.15)}
.field input[aria-invalid="true"]{border-color:#D14343}
.field-row{display:grid;grid-template-columns:1fr 90px;gap:10px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.8rem;color:var(--text-soft);line-height:1.4;margin:4px 0 14px}
.check input{margin-top:2px;width:17px;height:17px;flex:none}
.form-err{color:#C03030;font-size:.82rem;margin-bottom:10px;min-height:0}
.sucesso{text-align:center;padding:12px 0}
.sucesso h3{font-size:1.25rem;margin:10px 0 6px}
.sucesso p{color:var(--text-soft);font-size:.92rem}

/* seções */
section{padding:92px 0}
@media (max-width:640px){section{padding:64px 0}}
section[id]{scroll-margin-top:80px}
.alt{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}

.segs{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
@media (max-width:1100px){.segs{grid-template-columns:repeat(3,1fr)}}
@media (max-width:720px){.segs{grid-template-columns:repeat(2,1fr)}}
@media (max-width:480px){.segs{grid-template-columns:1fr}}
.seg{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:24px 22px;transition:border-color .2s,transform .2s,box-shadow .2s}
.seg:hover{border-color:var(--accent-soft);transform:translateY(-3px);box-shadow:0 20px 40px -28px rgba(12,23,49,.35)}
.seg .ico{width:48px;height:48px;border-radius:12px;background:var(--tint);color:var(--accent);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.seg .ico svg{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.seg h3{font-size:1.1rem;font-weight:700;margin-bottom:8px}
.seg p{font-size:.9rem;color:var(--text-soft);flex:1}
.seg ul{margin:12px 0 18px;padding-left:18px;font-size:.84rem;color:var(--text-dim)}
.seg li{margin-bottom:3px}
.seg .btn{padding:10px 14px;font-size:.86rem;margin-top:auto}

.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media (max-width:980px){.pillars{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.pillars{grid-template-columns:1fr}}
.pillar{padding:26px 24px;border-radius:var(--r);background:var(--bg);border:1px solid var(--border)}
.pillar .n{font-size:.8rem;font-weight:800;color:var(--accent);letter-spacing:.06em}
.pillar h3{font-size:1.06rem;margin:12px 0 8px}
.pillar p{font-size:.9rem;color:var(--text-soft)}

.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:32px}}
.steps{list-style:none;margin:28px 0 0;padding:0;counter-reset:s}
.steps li{position:relative;padding:0 0 26px 56px;counter-increment:s}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--accent);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:.95rem}
.steps li::after{content:"";position:absolute;left:18px;top:42px;bottom:4px;width:2px;background:var(--border-2)}
.steps li:last-child::after{display:none}
.steps h3{font-size:1.05rem;margin:6px 0 4px}
.steps p{font-size:.92rem;color:var(--text-soft)}
.photo{border-radius:20px;overflow:hidden;aspect-ratio:4/5;background:var(--surface-2)}
.photo img{width:100%;height:100%;object-fit:cover}

.compare{width:100%;border-collapse:separate;border-spacing:0;background:var(--surface);border:1px solid var(--border);border-radius:var(--r);overflow:hidden;font-size:.95rem}
.compare th,.compare td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--border);vertical-align:top}
.compare tr:last-child td{border-bottom:0}
.compare thead th{background:var(--navy);color:#fff;font-size:.84rem;letter-spacing:.04em}
.compare thead th:nth-child(2){background:var(--accent)}
.compare td:first-child{font-weight:600;color:var(--text);width:26%}
.compare td:nth-child(2){background:var(--tint);color:var(--text)}
.compare td:nth-child(3){color:var(--text-soft)}
.table-wrap{overflow-x:auto;border-radius:var(--r)}
@media (max-width:640px){
  .compare thead{display:none}
  .compare,.compare tbody,.compare tr,.compare td{display:block;width:100%}
  .compare tr{border-bottom:1px solid var(--border)}
  .compare tr:last-child{border-bottom:0}
  .compare td{border:0;padding:6px 18px}
  .compare td:first-child{width:100%;padding-top:16px;font-size:1rem}
  .compare td:nth-child(2){background:none}
  .compare td:last-child{padding-bottom:16px}
  .compare td[data-label]::before{content:attr(data-label) ": ";font-weight:700;color:var(--accent-strong)}
  .compare td:nth-child(3)::before{color:var(--text-dim)}
}
.small-note{font-size:.8rem;color:var(--text-dim);margin-top:14px;max-width:80ch}

.video-wrap{max-width:360px;margin:0 auto}
.video-wrap video{width:100%;aspect-ratio:9/16;border-radius:20px;background:#000;box-shadow:var(--shadow);display:block;object-fit:cover}

.faq{max-width:860px;margin:0 auto;border-top:1px solid var(--border)}
.faq details{border-bottom:1px solid var(--border)}
.faq summary{list-style:none;cursor:pointer;padding:20px 44px 20px 0;position:relative;font-weight:600;font-size:1.03rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:15px;font-size:1.5rem;color:var(--accent);font-weight:400;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 44px 22px 0;color:var(--text-soft);font-size:.96rem}

.cta-band{background:linear-gradient(135deg,var(--accent) 0%,var(--navy-2) 100%);color:#fff;text-align:center}
.cta-band h2{font-size:clamp(1.8rem,4vw,2.6rem);font-weight:800;max-width:22ch;margin:0 auto 14px}
.cta-band p{color:#DCE5F5;max-width:52ch;margin:0 auto 28px}
.cta-band .actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* footer */
.site-footer{background:var(--navy);color:#B9C5DC;padding:64px 0 32px;font-size:.9rem}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;margin-bottom:14px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:9px}
.site-footer a{color:#B9C5DC;text-decoration:none}
.site-footer a:hover{color:#fff}
.site-footer .brand img{height:28px;width:auto;margin-bottom:16px}
.site-footer .brand{display:inline-block;background:#fff;padding:8px 12px;border-radius:10px;margin-bottom:16px}
.site-footer .brand img{margin:0}
.foot-legal{margin-top:44px;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);font-size:.76rem;line-height:1.65;color:#8F9DB8}
.foot-legal p+p{margin-top:10px}
.foot-bottom{margin-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.78rem;color:#8F9DB8}

/* páginas de texto */
.doc{padding:56px 0 80px}
.doc .wrap{max-width:780px}
.doc h1{font-size:2rem;margin-bottom:8px}
.doc .updated{color:var(--text-dim);font-size:.9rem;margin-bottom:24px}
.doc h2{font-size:1.15rem;margin:32px 0 10px}
.doc h3{font-size:1rem;margin:22px 0 8px}
.doc p,.doc li{color:var(--text-soft)}
.doc p{margin:12px 0}
.doc ul,.doc ol{padding-left:20px}
.doc a{color:var(--accent)}
.draft-flag{background:#FFF4E5;border:1px solid #F5D9A8;color:#7a5200;padding:12px 16px;border-radius:10px;font-size:.9rem;margin-bottom:24px}

/* flutuantes */
.wa-float{position:fixed;right:18px;bottom:18px;z-index:45;width:54px;height:54px;border-radius:50%;background:var(--wa);display:flex;align-items:center;justify-content:center;box-shadow:0 10px 24px rgba(12,23,49,.25);transition:transform .2s}
.wa-float:hover{transform:scale(1.06)}
.wa-float svg{width:28px;height:28px;fill:#fff}
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:60;max-width:560px;margin:0 auto;background:var(--navy);color:#EDF1F9;border-radius:14px;padding:16px 18px;box-shadow:0 20px 50px -12px rgba(0,0,0,.4);display:flex;flex-wrap:wrap;gap:12px;align-items:center;font-size:.86rem;line-height:1.45}
.cookie p{flex:1;min-width:200px}
.cookie a{color:#9FC2F5}
.cookie .btn{padding:9px 16px;font-size:.82rem}
.cookie .btn-ghost{color:#EDF1F9;border-color:rgba(255,255,255,.3)}
.cookie[hidden]{display:none}