/* =============================================================
   TesouroSimula — Design System
   ============================================================= */
:root{
  --brand-900:#00311f;
  --brand-800:#03412c;
  --brand-700:#065f3f;
  --brand-600:#0a7d51;
  --brand-500:#12a06a;
  --brand-400:#2ec98a;
  --brand-300:#7de8b7;
  --gold-500:#d4a531;
  --gold-400:#f0c866;
  --ink-900:#0d1b16;
  --ink-700:#33453d;
  --ink-500:#5c7069;
  --ink-300:#9db1a9;
  --surface-0:#ffffff;
  --surface-50:#f6faf8;
  --surface-100:#eef6f1;
  --surface-200:#e0eee6;
  --danger:#d64545;
  --shadow-sm:0 2px 8px rgba(10,40,28,.06);
  --shadow-md:0 8px 24px rgba(10,40,28,.10);
  --shadow-lg:0 20px 48px rgba(10,40,28,.16);
  --radius-lg:20px;
  --radius-md:14px;
  --radius-sm:10px;
  --font-head:'Poppins', sans-serif;
  --font-body:'Inter', sans-serif;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink-900);
  background:var(--surface-50);
  line-height:1.6;
}
h1,h2,h3,h4,h5{font-family:var(--font-head); margin:0; color:var(--ink-900);}
p{margin:0;}
a{color:inherit; text-decoration:none;}
ul{margin:0; padding:0; list-style:none;}
button{font-family:inherit; cursor:pointer;}
input,select{font-family:inherit;}
img{max-width:100%; display:block;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; gap:.6rem;
  padding:.9rem 1.7rem;
  border-radius:999px;
  font-weight:600;
  font-size:.98rem;
  border:none;
  cursor:pointer;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease;
  white-space:nowrap;
}
.btn-primary{
  background:linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color:var(--brand-900);
  box-shadow:0 10px 24px rgba(212,165,49,.35);
}
.btn-primary:hover{transform:translateY(-2px); box-shadow:0 14px 30px rgba(212,165,49,.45);}
.btn-ghost{
  background:rgba(255,255,255,.12);
  color:#fff;
  border:1.5px solid rgba(255,255,255,.5);
  backdrop-filter:blur(4px);
}
.btn-ghost:hover{background:rgba(255,255,255,.22); transform:translateY(-2px);}
.btn-block{width:100%; justify-content:center; margin-top:.5rem;}

/* =============================================================
   HEADER / NAV
   ============================================================= */
.site-header{
  background:radial-gradient(1200px 600px at 85% -10%, rgba(46,201,138,.35), transparent 60%),
             linear-gradient(160deg, var(--brand-900), var(--brand-800) 55%, var(--brand-700));
  color:#fff;
  position:relative;
  overflow:hidden;
}
.site-header::after{
  content:"";
  position:absolute; inset:0;
  background:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" width="100" height="100"><circle cx="2" cy="2" r="1" fill="white" opacity="0.15"/></svg>');
  opacity:.4; pointer-events:none;
}
.navbar{
  display:flex; align-items:center; justify-content:space-between;
  max-width:1200px; margin:0 auto;
  padding:1.3rem 1.5rem;
  position:relative; z-index:5;
}
.brand{display:flex; align-items:center; gap:.6rem; font-family:var(--font-head); font-weight:600; font-size:1.25rem; color:#fff;}
.brand-icon{
  display:grid; place-items:center;
  width:38px; height:38px; border-radius:11px;
  background:linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color:var(--brand-900);
}
.brand-text strong{color:var(--gold-400);}
.nav-links{display:flex; gap:2rem;}
.nav-links a{font-weight:500; font-size:.95rem; opacity:.9; transition:opacity .2s;}
.nav-links a:hover{opacity:1; color:var(--gold-400);}
.nav-toggle{display:none; background:none; border:none; color:#fff; font-size:1.4rem;}

.hero{
  max-width:1200px; margin:0 auto;
  padding:2.5rem 1.5rem 4.5rem;
  display:grid; grid-template-columns:1.3fr 1fr; gap:3rem;
  align-items:center;
  position:relative; z-index:5;
}
.hero-badge{
  display:inline-flex; align-items:center; gap:.5rem;
  background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.25);
  padding:.5rem 1rem; border-radius:999px;
  font-size:.82rem; font-weight:600; margin-bottom:1.3rem;
  color:var(--brand-300);
}
.hero-content h1{
  font-size:2.7rem; line-height:1.18; color:#fff; font-weight:700; margin-bottom:1.2rem;
}
.hero-content h1 .highlight{color:var(--gold-400);}
.hero-content p{color:rgba(255,255,255,.82); font-size:1.08rem; max-width:560px; margin-bottom:2rem;}
.hero-cta{display:flex; gap:1rem; flex-wrap:wrap;}

.hero-rates{
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.18);
  border-radius:var(--radius-lg);
  padding:1.6rem;
  backdrop-filter:blur(10px);
  display:flex; flex-direction:column; gap:1rem;
}
.rate-card{
  background:rgba(255,255,255,.07);
  border-radius:var(--radius-md);
  padding:1.1rem 1.3rem;
  display:flex; flex-direction:column; gap:.3rem;
}
.rate-label{font-size:.82rem; color:rgba(255,255,255,.75); display:flex; align-items:center; gap:.4rem;}
.rate-value{font-size:1.9rem; font-weight:700; color:var(--gold-400); font-family:var(--font-head);}
.rate-status{font-size:.75rem; color:var(--brand-300);}
.rate-source{font-size:.72rem; color:rgba(255,255,255,.55); text-align:center; margin-top:.2rem;}

/* =============================================================
   SECTIONS
   ============================================================= */
.section{max-width:1200px; margin:0 auto; padding:4.5rem 1.5rem;}
.section-alt{background:var(--surface-100); max-width:100%; }
.section-alt > *{max-width:1200px; margin-left:auto; margin-right:auto;}
.section-head{text-align:center; max-width:640px; margin:0 auto 2.8rem;}
.section-kicker{
  display:inline-block; background:var(--surface-200); color:var(--brand-700);
  font-weight:700; font-size:.75rem; letter-spacing:.08em; text-transform:uppercase;
  padding:.35rem .9rem; border-radius:999px; margin-bottom:1rem;
}
.section-head h2{font-size:2rem; margin-bottom:.7rem;}
.section-head p{color:var(--ink-500); font-size:1.02rem;}

/* =============================================================
   SIMULATOR FORM
   ============================================================= */
.sim-grid{
  display:grid; grid-template-columns:repeat(2, 1fr); gap:1.6rem;
}
.span-full{grid-column:1 / -1;}
.card{
  background:var(--surface-0);
  border-radius:var(--radius-lg);
  padding:1.8rem;
  box-shadow:var(--shadow-sm);
  border:1px solid var(--surface-200);
}
.card-title{
  display:flex; align-items:center; gap:.6rem;
  font-size:1.1rem; margin-bottom:1.3rem; color:var(--brand-800);
}
.card-title i{color:var(--brand-500);}

.title-options{display:grid; grid-template-columns:repeat(auto-fit, minmax(200px,1fr)); gap:1rem;}
.title-card{
  position:relative;
  display:flex; flex-direction:column; gap:.5rem;
  border:2px solid var(--surface-200);
  border-radius:var(--radius-md);
  padding:1.2rem;
  cursor:pointer;
  transition:border-color .18s, transform .18s, box-shadow .18s;
}
.title-card input{position:absolute; opacity:0;}
.title-card:hover{transform:translateY(-3px); box-shadow:var(--shadow-sm);}
.title-card.active{border-color:var(--brand-500); background:var(--surface-50); box-shadow:var(--shadow-md);}
.tc-icon{
  width:42px; height:42px; border-radius:11px;
  display:grid; place-items:center;
  background:var(--surface-100); color:var(--brand-600); font-size:1.15rem;
}
.title-card.active .tc-icon{background:var(--brand-500); color:#fff;}
.tc-name{font-weight:700; font-family:var(--font-head); font-size:.98rem; color:var(--ink-900);}
.tc-desc{font-size:.8rem; color:var(--ink-500); line-height:1.4;}

.field{margin-bottom:1.1rem;}
.field:last-child{margin-bottom:0;}
.field label{display:block; font-size:.85rem; font-weight:600; color:var(--ink-700); margin-bottom:.4rem;}
.field input, .field select{
  width:100%; padding:.75rem .9rem;
  border:1.5px solid var(--surface-200);
  border-radius:var(--radius-sm);
  font-size:.98rem; color:var(--ink-900);
  background:var(--surface-0);
  transition:border-color .18s, box-shadow .18s;
}
.field input:focus, .field select:focus{
  outline:none; border-color:var(--brand-500); box-shadow:0 0 0 4px rgba(18,160,106,.12);
}
.field small{display:block; margin-top:.4rem; font-size:.76rem; color:var(--ink-500); line-height:1.4;}
.field-row{display:grid; grid-template-columns:1fr 1fr; gap:1rem;}
.input-prefix{display:flex; align-items:center; border:1.5px solid var(--surface-200); border-radius:var(--radius-sm); overflow:hidden; background:var(--surface-0);}
.input-prefix span{padding:.75rem .8rem; background:var(--surface-100); color:var(--ink-500); font-weight:600; font-size:.9rem;}
.input-prefix input{border:none; flex:1;}
.input-prefix input:focus{box-shadow:none;}
.input-prefix:focus-within{border-color:var(--brand-500); box-shadow:0 0 0 4px rgba(18,160,106,.12);}

.rate-fields.hidden{display:none;}

/* =============================================================
   KPI / RESULTS
   ============================================================= */
.kpi-grid{
  display:grid; grid-template-columns:repeat(3, 1fr); gap:1.3rem; margin-bottom:2.5rem;
}
.kpi-card{
  background:var(--surface-0);
  border-radius:var(--radius-lg);
  padding:1.5rem;
  box-shadow:var(--shadow-sm);
  border:1px solid var(--surface-200);
  display:flex; flex-direction:column; gap:.5rem;
}
.kpi-icon{
  width:40px; height:40px; border-radius:10px;
  background:var(--surface-100); color:var(--brand-600);
  display:grid; place-items:center; font-size:1.05rem;
}
.kpi-label{font-size:.85rem; color:var(--ink-500); font-weight:500;}
.kpi-value{font-size:1.55rem; font-weight:700; font-family:var(--font-head); color:var(--ink-900);}
.kpi-highlight{
  background:linear-gradient(135deg, var(--brand-700), var(--brand-600));
  border:none;
}
.kpi-highlight .kpi-icon{background:rgba(255,255,255,.18); color:var(--gold-400);}
.kpi-highlight .kpi-label{color:rgba(255,255,255,.8);}
.kpi-highlight .kpi-value{color:#fff;}

.chart-card, .table-card{
  background:var(--surface-0);
  border-radius:var(--radius-lg);
  padding:1.8rem;
  box-shadow:var(--shadow-sm);
  border:1px solid var(--surface-200);
  margin-bottom:2rem;
}
.chart-card h3, .table-card h3{
  display:flex; align-items:center; gap:.6rem;
  font-size:1.1rem; margin-bottom:1.3rem; color:var(--brand-800);
}
.chart-card h3 i, .table-card h3 i{color:var(--brand-500);}
.chart-wrap{position:relative; height:380px;}

.table-scroll{overflow-x:auto;}
table{width:100%; border-collapse:collapse; font-size:.92rem;}
thead th{
  text-align:left; padding:.8rem 1rem; background:var(--surface-100);
  color:var(--ink-700); font-weight:700; white-space:nowrap;
}
thead th:first-child{border-radius:10px 0 0 10px;}
thead th:last-child{border-radius:0 10px 10px 0;}
tbody td{padding:.8rem 1rem; border-bottom:1px solid var(--surface-200); white-space:nowrap;}
tbody tr:last-child td{border-bottom:none;}
tbody tr:hover{background:var(--surface-50);}

/* =============================================================
   COMPARATIVO
   ============================================================= */
.compare-legend{
  display:grid; grid-template-columns:repeat(auto-fit, minmax(220px,1fr)); gap:1rem;
}
.compare-item{
  background:var(--surface-0); border-radius:var(--radius-md); padding:1.1rem 1.3rem;
  border:1px solid var(--surface-200); display:flex; flex-direction:column; gap:.3rem;
}
.compare-item .ci-head{display:flex; align-items:center; gap:.6rem; font-weight:700; color:var(--ink-900); font-size:.95rem;}
.compare-item .ci-dot{width:12px; height:12px; border-radius:50%; flex-shrink:0;}
.compare-item .ci-value{font-size:1.3rem; font-weight:700; font-family:var(--font-head); color:var(--brand-700);}
.compare-item .ci-desc{font-size:.78rem; color:var(--ink-500);}

/* =============================================================
   RECOMENDAÇÕES
   ============================================================= */
.reco-grid{display:grid; grid-template-columns:1.2fr 1fr 1fr; gap:1.6rem;}
.reco-card{
  background:var(--surface-0); border-radius:var(--radius-lg); padding:1.8rem;
  box-shadow:var(--shadow-sm); border:1px solid var(--surface-200);
}
.reco-main{
  background:linear-gradient(150deg, var(--brand-800), var(--brand-700));
  color:#fff; border:none;
  grid-row:span 2;
}
.reco-icon{
  width:48px; height:48px; border-radius:13px; display:grid; place-items:center;
  background:var(--surface-100); color:var(--brand-600); font-size:1.2rem; margin-bottom:1rem;
}
.reco-main .reco-icon{background:rgba(255,255,255,.15); color:var(--gold-400);}
.reco-card h3{font-size:1.15rem; margin-bottom:.9rem;}
.reco-main p{color:rgba(255,255,255,.9); line-height:1.7;}
.reco-list li{
  position:relative; padding-left:1.3rem; margin-bottom:.8rem; font-size:.92rem; color:var(--ink-700); line-height:1.55;
}
.reco-list li::before{content:"•"; position:absolute; left:0; color:var(--gold-500); font-weight:900;}
.reco-card p{color:var(--ink-700); font-size:.92rem; line-height:1.6; margin-bottom:1rem;}
.broker-chips{display:flex; flex-wrap:wrap; gap:.5rem; margin-bottom:.9rem;}
.broker-chips span{
  background:var(--surface-100); color:var(--brand-700); font-size:.78rem; font-weight:600;
  padding:.4rem .8rem; border-radius:999px;
}
.reco-card small{color:var(--ink-300); font-size:.75rem;}

/* =============================================================
   APRENDA
   ============================================================= */
.learn-grid{display:grid; grid-template-columns:repeat(3, 1fr); gap:1.5rem;}
.learn-card{
  background:var(--surface-0); border-radius:var(--radius-lg); padding:1.7rem;
  border:1px solid var(--surface-200); transition:transform .18s, box-shadow .18s;
}
.learn-card:hover{transform:translateY(-4px); box-shadow:var(--shadow-md);}
.learn-icon{
  width:46px; height:46px; border-radius:12px; display:grid; place-items:center;
  background:var(--surface-100); color:var(--brand-600); font-size:1.15rem; margin-bottom:1rem;
}
.learn-card h4{font-size:1.05rem; margin-bottom:.6rem;}
.learn-card p{color:var(--ink-500); font-size:.9rem; line-height:1.6;}

/* =============================================================
   FAQ / ACCORDION
   ============================================================= */
.accordion{display:flex; flex-direction:column; gap:1rem; max-width:820px; margin:0 auto;}
.accordion-item{
  background:var(--surface-0); border:1px solid var(--surface-200); border-radius:var(--radius-md);
  overflow:hidden;
}
.accordion-trigger{
  width:100%; text-align:left; background:none; border:none; padding:1.2rem 1.5rem;
  display:flex; align-items:center; justify-content:space-between;
  font-family:var(--font-head); font-weight:600; font-size:1rem; color:var(--ink-900);
}
.accordion-trigger i{transition:transform .25s; color:var(--brand-500);}
.accordion-item.open .accordion-trigger i{transform:rotate(180deg);}
.accordion-panel{max-height:0; overflow:hidden; transition:max-height .3s ease;}
.accordion-panel p{padding:0 1.5rem 1.3rem; color:var(--ink-500); font-size:.92rem; line-height:1.65;}
.accordion-panel a{color:var(--brand-600); font-weight:600; text-decoration:underline;}

/* =============================================================
   FOOTER
   ============================================================= */
.site-footer{background:var(--brand-900); color:rgba(255,255,255,.75); padding:3rem 1.5rem 1.5rem;}
.footer-inner{
  max-width:1200px; margin:0 auto; display:grid; grid-template-columns:1fr 2fr; gap:2.5rem;
  padding-bottom:2rem; border-bottom:1px solid rgba(255,255,255,.12);
}
.footer-brand{font-size:1.15rem; margin-bottom:.8rem; display:block;}
.footer-inner p{font-size:.88rem; line-height:1.6;}
.footer-disclaimer{display:flex; gap:.8rem; align-items:flex-start;}
.footer-disclaimer i{color:var(--gold-400); margin-top:.2rem;}
.footer-disclaimer a{color:var(--gold-400); text-decoration:underline;}
.footer-copy{max-width:1200px; margin:1.3rem auto 0; text-align:center; font-size:.78rem; color:rgba(255,255,255,.5);}

/* =============================================================
   RESPONSIVE
   ============================================================= */
@media (max-width:960px){
  .hero{grid-template-columns:1fr;}
  .sim-grid{grid-template-columns:1fr;}
  .kpi-grid{grid-template-columns:repeat(2,1fr);}
  .reco-grid{grid-template-columns:1fr;}
  .reco-main{grid-row:auto;}
  .learn-grid{grid-template-columns:repeat(2,1fr);}
  .footer-inner{grid-template-columns:1fr;}
}
@media (max-width:720px){
  .nav-links{
    position:absolute; top:100%; left:0; right:0;
    background:var(--brand-800);
    flex-direction:column; gap:0;
    max-height:0; overflow:hidden;
    transition:max-height .3s ease;
  }
  .nav-links.open{max-height:400px; padding:1rem 0;}
  .nav-links li{width:100%;}
  .nav-links a{display:block; padding:.9rem 1.5rem;}
  .nav-toggle{display:block;}
  .hero-content h1{font-size:2.1rem;}
  .kpi-grid{grid-template-columns:1fr;}
  .learn-grid{grid-template-columns:1fr;}
  .field-row{grid-template-columns:1fr;}
}