/* Vida Financeira 360 — identidade visual (tons terrosos) */
:root{
  --cream:#f6efe4;        /* fundo claro */
  --cream-2:#efe5d4;      /* fundo alternado */
  --paper:#fdfbf7;        /* cartões */
  --ink:#2e2418;          /* texto principal */
  --muted:#6e5f4d;        /* texto secundário */
  --line:#e2d7c3;         /* bordas */
  --brown:#3e2f1f;        /* header/footer */
  --brown-2:#54401f;      /* hero gradiente */
  --gold:#b08d4f;         /* acento/botões */
  --gold-soft:#c9a35d;
  --gold-ink:#8a6a33;     /* rótulos de seção */
  --ok:#1a7f4e; --ok-soft:#e4f2e9;
  --neg:#b3261e; --neg-soft:#faedec;
  --warn:#b3560e; --warn-soft:#fbf0e2;
  --wa:#22b14c;
  --serif:Georgia,"Times New Roman",serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);background:var(--cream);color:var(--ink);line-height:1.6;font-size:16px}
img{max-width:100%;display:block}
a{color:var(--gold-ink)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}

/* Header */
.site-header{background:var(--brown);color:#f2e9da;position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:58px;flex-wrap:wrap;gap:6px;padding-top:8px;padding-bottom:8px}
.brand{font-family:var(--serif);font-weight:700;font-size:1.15rem;color:#fdf8ef;text-decoration:none}
.brand em{color:var(--gold-soft);font-style:italic;font-weight:600}
.nav{display:flex;gap:18px;flex-wrap:wrap}
.nav a{color:#e8dcc7;text-decoration:none;font-size:.92rem;padding:4px 0;border-bottom:2px solid transparent}
.nav a:hover{color:#fff}
.nav a[aria-current="page"]{color:#fff;border-bottom-color:var(--gold-soft)}

/* Hero */
.hero{background:linear-gradient(150deg,#4a3419 0%,#6e5024 55%,#8a6a35 100%);color:#f6eddc;padding:64px 0 72px}
.kicker{font-size:.74rem;text-transform:uppercase;letter-spacing:.14em;font-weight:700;color:var(--gold-soft);margin-bottom:14px}
.hero h1{font-family:var(--serif);font-size:clamp(1.9rem,4.5vw,2.9rem);line-height:1.15;letter-spacing:-.01em;color:#fdf8ef;max-width:560px}
.hero h1 em{color:#e5c98c;font-weight:600}
.hero p{margin-top:16px;max-width:440px;color:#e9dcc2}
.hero-cta{margin-top:26px;display:flex;gap:12px;flex-wrap:wrap}

/* Botões */
.btn{display:inline-block;padding:12px 22px;border-radius:9px;text-decoration:none;font-weight:700;font-size:.95rem;border:1.5px solid transparent;cursor:pointer}
.btn-gold{background:var(--gold);color:#241a0d}
.btn-gold:hover{background:var(--gold-soft)}
.btn-outline{border-color:var(--gold-soft);color:#f2e6cd;background:transparent}
.btn-outline:hover{background:rgba(255,255,255,.08)}
.btn-dark{background:var(--brown);color:#f6eddc}
.btn-dark:hover{background:#54412c}
.btn-wa{background:var(--wa);color:#fff}
.btn-wa:hover{filter:brightness(1.06)}

/* Seções */
section{padding:56px 0}
.section-alt{background:var(--cream-2)}
.section-label{font-size:.72rem;text-transform:uppercase;letter-spacing:.14em;font-weight:700;color:var(--gold-ink);margin-bottom:8px}
.section-title{font-family:var(--serif);font-size:clamp(1.4rem,3vw,1.8rem);margin-bottom:10px}
.section-intro{color:var(--muted);max-width:560px;margin-bottom:28px}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:22px}
.card h3{font-size:1.02rem;margin:10px 0 8px}
.card p{font-size:.9rem;color:var(--muted)}
.card .btn{margin-top:16px}
.badge{display:inline-block;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;padding:4px 10px;border-radius:99px;background:var(--cream-2);color:var(--gold-ink);border:1px solid var(--line)}
.badge.on{background:#3e2f1f;color:#e5c98c;border-color:#3e2f1f}
.card.featured{background:var(--brown);border-color:var(--brown);color:#f2e9da}
.card.featured h3{color:#fdf8ef}
.card.featured p{color:#d9cbb2}
.card.featured .badge{background:rgba(255,255,255,.12);color:#e5c98c;border-color:transparent}
.card.featured .btn{background:#fdf8ef;color:#3e2f1f}

/* FAQ */
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin-bottom:12px}
.faq summary{font-weight:700;font-size:.95rem;cursor:pointer}
.faq details p{margin-top:10px;color:var(--muted);font-size:.92rem}

/* CTA final */
.cta-final{text-align:center;padding:64px 0}
.cta-final h2{font-family:var(--serif);font-size:clamp(1.3rem,3vw,1.7rem)}
.cta-final p{color:var(--muted);margin:10px 0 22px}

/* Footer */
.site-footer{background:var(--brown);color:#cbbda2;font-size:.88rem;margin-top:40px}
.site-footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px;padding:40px 0 28px}
@media(max-width:700px){.site-footer .cols{grid-template-columns:1fr}}
.site-footer h4{color:#fdf8ef;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px}
.site-footer a{color:#d9c9a6;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer .brand{font-size:1.05rem}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:6px}
.legal-strip{border-top:1px solid rgba(255,255,255,.14);padding:16px 0 22px;font-size:.76rem;color:#a3937a}

/* Página de conteúdo (sobre, política, etc.) */
.page{padding:52px 0}
.page h1{font-family:var(--serif);font-size:clamp(1.6rem,3.5vw,2.2rem);margin-bottom:14px;max-width:720px}
.prose{max-width:720px}
.prose h2{font-family:var(--serif);font-size:1.25rem;margin:30px 0 10px}
.prose p,.prose li{color:#4b3d2c;margin-bottom:12px;font-size:.97rem}
.prose ul,.prose ol{padding-left:22px}
.prose strong{color:var(--ink)}
.foto-perfil{border-radius:14px;max-width:320px;border:1px solid var(--line);margin:6px 0 18px}

/* ===== Calculadora ===== */
.calc-grid{display:grid;grid-template-columns:330px 1fr;gap:20px;align-items:start}
@media(max-width:860px){.calc-grid{grid-template-columns:1fr}}
.panel{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:22px}
.panel h2{font-family:var(--serif);letter-spacing:.02em;font-size:1.25rem;color:var(--muted);margin-bottom:16px}
.panel label{display:block;font-size:.88rem;font-weight:700;margin:14px 0 4px}
.panel label:first-of-type{margin-top:0}
.hint{font-weight:400;color:var(--muted);font-size:.76rem;display:block}
.panel input[type=text]{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:8px;font-size:.95rem;background:#fff;font-variant-numeric:tabular-nums}
.panel input[type=text]:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.panel input[type=range]{width:100%;accent-color:var(--gold-ink);margin-top:8px}
.pgbl-row{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted);margin-top:2px;gap:10px}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin-bottom:16px}
.tile{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:16px}
.tile .t-label{font-size:.68rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:700}
.tile .t-value{font-size:1.35rem;font-weight:700;margin-top:4px;font-variant-numeric:tabular-nums}
.tile .t-sub{font-size:.74rem;color:var(--muted);margin-top:2px}
.tile.ok{background:var(--ok-soft);border-color:#c4dfcd}.tile.ok .t-value{color:var(--ok)}
.tile.neg{background:var(--neg-soft);border-color:#ecc9c6}.tile.neg .t-value{color:var(--neg)}
.tile.warn{background:var(--warn-soft);border-color:#eed5b4}.tile.warn .t-value{color:var(--warn)}
.table-scroll{overflow-x:auto}
.calc-table{width:100%;border-collapse:collapse;font-size:.86rem}
.calc-table th,.calc-table td{text-align:right;padding:9px 10px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}
.calc-table th:first-child,.calc-table td:first-child{text-align:left}
.calc-table th{font-size:.7rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
.calc-table tr.best td{background:var(--cream-2);font-weight:700}
.bars{margin-top:18px}
.bar-row{display:grid;grid-template-columns:180px 1fr 110px;gap:10px;align-items:center;margin-bottom:8px;font-size:.82rem}
@media(max-width:560px){.bar-row{grid-template-columns:120px 1fr 100px}}
.bar-track{background:var(--cream-2);border-radius:6px;height:20px;overflow:hidden}
.bar-fill{height:100%;border-radius:6px;background:#b9a184;transition:width .25s}
.bar-row.best .bar-fill{background:var(--ok)}
.bar-val{font-variant-numeric:tabular-nums;font-weight:700}
.msg{border-radius:10px;padding:13px 15px;font-size:.88rem;margin-top:16px}
.msg.ok{background:var(--ok-soft);border:1px solid #c4dfcd}
.msg.warn{background:var(--warn-soft);border:1px solid #eed5b4}
.calc-note{font-size:.76rem;color:var(--muted);margin-top:14px}
.disclaimer{font-size:.74rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:26px}