/* Padrão Visual IBS · v1 · 29/10/2026
   Extraído de cooperativa.ibsecossistema.com/cadastro-corretores (padrão definido pelo Carlos em 29/10/2026).
   Uso: <link> das fontes (abaixo) + este arquivo. As regras de uso estão em "00 - LEIA-ME.md".

   Fontes:
   <link rel="preconnect" href="https://fonts.googleapis.com">
   <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
   <link href="https://fonts.googleapis.com/css2?family=Montserrat:wght@600;700;800;900&family=Work+Sans:wght@400;500;600&display=swap" rel="stylesheet">

   Layout: abertura escura (navy → abismo, com grade de 32px) e depois faixas claras alternadas
   (papel/marfim) numa coluna de 1120px, com no máximo um bloco escuro de destaque no meio. */

:root{
  /* cores */
  --navy:#152A4E;
  --abismo:#0D1B33;
  --abismo-2:#13243F;
  --ouro:#BD965B;
  --ouro-vivo:#D9A441;
  --ouro-hover:#E3B252;
  --ouro-tinta:#7D5E34;
  --ouro-claro:#DEC49A;
  --marfim:#F1EFE7;
  --papel:#FAF8F2;
  --branco:#FFFFFF;
  --tx:#152A4E;
  --tx2:#3A4763;
  --tx3:#5A6782;
  --linha:#D9D2C3;
  --linha-esc:rgba(241,239,231,.16);
  --grade:rgba(241,239,231,.06);
  --nevoa:#B8C2D4;
  --erro:#B3261E;
  --sombra:rgba(13,27,51,.4);
  /* tipografia */
  --f-display:"Montserrat","Helvetica Neue",Arial,sans-serif;
  --f-body:"Work Sans","Helvetica Neue",Arial,sans-serif;
  /* forma */
  --r:12px;
  --topo-h:76px;
  /* movimento */
  --ease-entra:cubic-bezier(.2,.75,.2,1);
  --ease-fio:cubic-bezier(.65,0,.35,1);
  color-scheme:light;
}

/* Base */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--papel);color:var(--tx);font-family:var(--f-body);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:inherit}
h1,h2,h3{font-family:var(--f-display);font-weight:900;letter-spacing:-.02em;line-height:1.08;text-wrap:balance;margin:0;color:var(--navy)}
h2{font-size:clamp(1.8rem,2.4vw + 1rem,2.75rem)}
h3{font-size:1.2rem;font-weight:800;letter-spacing:-.015em}
p{margin:0}
:focus-visible{outline:3px solid var(--navy);outline-offset:3px;border-radius:4px}
.hero :focus-visible,.banner :focus-visible,.painel :focus-visible,.rodape :focus-visible{outline-color:var(--ouro-vivo)}
.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* Coluna e faixas */
.wrap{max-width:1120px;margin-inline:auto;padding-inline:20px}
.sec{padding-block:clamp(56px,8vw,104px);scroll-margin-top:calc(var(--topo-h) + 4px)}
.sec-papel{background:var(--papel)}
.sec-marfim{background:var(--marfim)}
.eyebrow{font-family:var(--f-display);font-weight:700;font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ouro-tinta);margin:0 0 14px}
.sec-head{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:20px 48px;align-items:end}
.sec-head > p{color:var(--tx2);font-size:1.05rem;max-width:32em}
.centro{text-align:center;max-width:720px;margin-inline:auto}
.l2{display:block;color:var(--ouro-tinta)}            /* 2ª linha do título em fundo claro */
.hero .l2,.banner .l2{color:var(--ouro-vivo)}         /* 2ª linha do título em fundo escuro */
@media (max-width:860px){.sec-head{grid-template-columns:minmax(0,1fr)}}

/* Botões */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--f-display);font-weight:800;letter-spacing:-.01em;border-radius:8px;text-decoration:none;border:0;cursor:pointer;transition:transform .15s ease,background-color .15s ease}
.btn-ouro{background:var(--ouro-vivo);color:var(--abismo);box-shadow:0 10px 24px -12px var(--ouro)}
.btn-ouro:hover{background:var(--ouro-hover);transform:translateY(-1px)}
.btn-ouro:disabled{opacity:.7;cursor:progress;transform:none}
.btn-lg{font-size:1.05rem;padding:17px 28px}
.btn-sm{font-size:.88rem;padding:11px 16px}
.btn-linha{background:transparent;color:var(--navy);border:1.5px solid var(--navy);font-size:.9rem;padding:11px 18px}
.btn-linha:hover{background:var(--marfim)}
.link-seta{font-family:var(--f-display);font-weight:700;font-size:.95rem;color:var(--ouro-claro);text-decoration:none}
.link-seta:hover{color:var(--papel)}
.sec .link-seta{color:var(--ouro-tinta)}
.sec .link-seta:hover{color:var(--navy)}
.seta{display:inline-block;transition:transform .15s ease}
a:hover .seta{transform:translateX(3px)}

/* Cabeçalho fixo */
.topo{position:sticky;top:env(safe-area-inset-top,0px);z-index:40;background:rgba(250,248,242,.94);-webkit-backdrop-filter:saturate(1.2) blur(10px);backdrop-filter:saturate(1.2) blur(10px);border-bottom:1px solid var(--linha)}
.topo-in{display:flex;align-items:center;gap:28px;height:var(--topo-h)}
.marca{display:block;flex:none}
.marca img{display:block;height:52px;width:auto}
.menu{display:flex;gap:28px;margin-left:auto}
.menu a{font-family:var(--f-display);font-weight:600;font-size:.9rem;color:var(--tx2);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent}
.menu a:hover,.menu a[aria-current="page"]{color:var(--navy);border-bottom-color:var(--ouro)}
@media (max-width:860px){
  .menu{display:none}
  .topo .btn{margin-left:auto}
  :root{--topo-h:64px}
  .marca img{height:44px}
}

/* Abertura escura */
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,var(--navy),var(--abismo));color:var(--marfim);padding-block:clamp(48px,7vw,96px)}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(var(--grade) 1px,transparent 1px),linear-gradient(90deg,var(--grade) 1px,transparent 1px);background-size:32px 32px;-webkit-mask-image:linear-gradient(90deg,transparent 35%,#000 80%);mask-image:linear-gradient(90deg,transparent 35%,#000 80%);pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(40px,5vw,72px);align-items:center}
.hero h1{font-size:clamp(2.3rem,3.6vw + 1rem,3.9rem);line-height:1.04;color:var(--papel)}
.hero-sub{margin-top:22px;font-family:var(--f-display);font-weight:800;font-size:clamp(1.2rem,.8vw + 1rem,1.5rem);letter-spacing:-.01em;color:var(--papel)}
.hero .lead{margin-top:12px;font-size:1.05rem;color:var(--nevoa);max-width:33em}
.hero-lista{list-style:none;margin:26px 0 0;padding:0;display:grid;gap:10px}
.hero-lista li{display:flex;gap:12px;align-items:flex-start;color:var(--marfim);font-weight:500}
.hero-lista svg{flex:none;color:var(--ouro-vivo);margin-top:2px}
.hero-acoes{display:flex;flex-wrap:wrap;align-items:center;gap:14px 26px;margin-top:34px}
.hero-ressalva{margin-top:18px;font-size:.78rem;color:var(--nevoa);opacity:.85}
.hero-vis{display:flex;flex-direction:column;align-items:center;gap:44px;padding-top:12px}
@media (max-width:900px){
  .hero-grid{grid-template-columns:minmax(0,1fr)}
  .hero::before{-webkit-mask-image:linear-gradient(180deg,transparent 40%,#000 85%);mask-image:linear-gradient(180deg,transparent 40%,#000 85%)}
}

/* Número em destaque (sobre fundo escuro) */
.destaque .k{font-family:var(--f-display);font-weight:700;font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ouro-claro)}
.destaque .valor{margin-top:6px;font-family:var(--f-display);font-size:clamp(2.6rem,2vw + 1.8rem,3.2rem);font-weight:900;line-height:1;letter-spacing:-.02em;color:var(--ouro-vivo);font-variant-numeric:tabular-nums}
.destaque .valor small{font-size:.4em;font-weight:700;letter-spacing:0;color:var(--marfim)}
.destaque .nota{margin-top:8px;font-size:.95rem;color:var(--nevoa)}

/* Duas colunas: texto + cartão */
.duas{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(32px,5vw,72px);align-items:start}
.duas .txt > p{color:var(--tx2);margin-top:16px;max-width:32em;font-size:1.05rem}
.duas .txt strong{color:var(--navy);font-weight:600}
@media (max-width:900px){.duas{grid-template-columns:minmax(0,1fr)}}

/* Cartão branco com passos numerados (linha do tempo) */
.fluxo-card{background:var(--branco);border:1px solid var(--linha);border-radius:16px;padding:clamp(22px,3vw,34px);min-width:0}
.fluxo-card .eyebrow{margin-bottom:20px}
.fluxo{list-style:none;margin:0;padding:0;counter-reset:fx;display:grid}
.fluxo li{counter-increment:fx;position:relative;display:grid;grid-template-columns:44px minmax(0,1fr);column-gap:16px;padding-bottom:24px}
.fluxo li:last-child{padding-bottom:0}
.fluxo li::before{content:counter(fx);grid-row:span 2;position:relative;z-index:1;display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--ouro-vivo);font-family:var(--f-display);font-weight:900;font-size:1.05rem}
.fluxo li::after{content:"";position:absolute;left:21px;top:44px;bottom:0;width:2px;background:var(--linha)}
.fluxo li:last-child::after{display:none}
.fluxo li:last-child::before{background:var(--ouro-vivo);color:var(--abismo)}
.fluxo strong{font-family:var(--f-display);font-weight:800;font-size:1.08rem;color:var(--navy);padding-top:1px}
.fluxo span{color:var(--tx2)}

/* É para você / não é para você */
.perfil{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-top:40px}
.perfil-card{border-radius:var(--r);padding:clamp(22px,3vw,32px);min-width:0}
.perfil-sim{background:var(--branco);border:1px solid var(--linha)}
.perfil-nao{border:1.5px dashed var(--linha)}
.perfil-card h3{margin-bottom:16px}
.perfil-lista{list-style:none;margin:0;padding:0;display:grid}
.perfil-lista li{display:grid;grid-template-columns:22px minmax(0,1fr);gap:12px;padding:12px 0;border-top:1px solid var(--linha)}
.perfil-lista li:first-child{border-top:0;padding-top:0}
.perfil-lista svg{margin-top:2px}
.perfil-sim svg{color:var(--ouro-tinta)}
.perfil-nao svg{color:var(--tx3)}
.perfil-nao li{color:var(--tx2)}
@media (max-width:860px){.perfil{grid-template-columns:minmax(0,1fr)}}

/* Cartões de vantagem (3 colunas) */
.cards3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:44px}
.cards4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-top:44px}
.card{background:var(--marfim);border-radius:var(--r);padding:26px 24px 28px;display:flex;flex-direction:column;gap:10px;min-width:0}
.sec-marfim .card{background:var(--papel)}
.card-ic{display:grid;place-items:center;width:44px;height:44px;border-radius:10px;background:var(--navy);color:var(--ouro-vivo);margin-bottom:6px}
.card p{color:var(--tx2)}
@media (max-width:1020px){.cards4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:860px){.cards3,.cards4{grid-template-columns:minmax(0,1fr)}}

/* Chips (escolha) */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}
.chip{border:1.5px solid var(--linha);background:var(--papel);border-radius:999px;padding:8px 15px;font-family:var(--f-display);font-weight:700;font-size:.84rem;color:var(--navy);cursor:pointer}
.chip:hover{border-color:var(--navy)}
.chip[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:var(--papel)}

/* Painel escuro de resultado (simulador, números) */
.painel{background:linear-gradient(180deg,var(--navy),var(--abismo));color:var(--marfim);border-radius:18px;padding:clamp(26px,3.4vw,44px);display:grid;gap:20px;box-shadow:0 40px 70px -40px var(--sombra);min-width:0}
.painel .k{font-family:var(--f-display);font-weight:700;font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ouro-claro)}
.painel .tot{margin-top:8px;font-family:var(--f-display);font-weight:900;font-size:clamp(2.5rem,3vw + 1.4rem,3.8rem);letter-spacing:-.03em;line-height:1;color:var(--ouro-vivo);font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.painel .linhas{display:grid;border-top:1px solid var(--linha-esc)}
.painel .linha{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:14px 0;border-bottom:1px solid var(--linha-esc)}
.painel .linha span{color:var(--nevoa);font-size:.92rem}
.painel .linha b{font-family:var(--f-display);font-weight:800;font-size:1.2rem;color:var(--papel);font-variant-numeric:tabular-nums;white-space:nowrap}
.painel .aviso{background:var(--ouro-vivo);color:var(--abismo);padding:10px 14px;border-radius:8px;font-weight:600;font-size:.9rem}
.painel .nota{font-size:.8rem;color:var(--nevoa)}

/* Bloco escuro de destaque (um por página) */
.banner{background:linear-gradient(120deg,var(--navy),var(--abismo));border-radius:22px;padding:clamp(28px,4.5vw,60px);display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:36px 56px;align-items:center;color:var(--marfim)}
.banner .eyebrow{color:var(--ouro-vivo)}
.banner h2{color:var(--papel);font-size:clamp(1.6rem,1.6vw + 1rem,2.3rem);line-height:1.15}
.banner h2 em{font-style:normal;color:var(--ouro-vivo)}
.banner-txt > p{margin-top:16px;color:var(--nevoa);max-width:34em}
.banner-txt .btn{margin-top:28px}
.est-lista{list-style:none;margin:0;padding:0;display:grid}
.est-lista li{display:grid;gap:2px;padding:14px 0;border-top:1px solid var(--linha-esc)}
.est-lista li:last-child{border-bottom:1px solid var(--linha-esc)}
.est-lista strong{font-family:var(--f-display);font-weight:800;color:var(--papel)}
.est-lista span{color:var(--nevoa);font-size:.92rem}
@media (max-width:860px){.banner{grid-template-columns:minmax(0,1fr)}}

/* Passos 01 02 03 */
.passos3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px 32px;margin-top:44px;counter-reset:passo}
.passo{border-top:2px solid var(--navy);padding-top:20px;counter-increment:passo;min-width:0}
.passo::before{content:"0" counter(passo);display:block;font-family:var(--f-display);font-weight:900;font-size:2.4rem;letter-spacing:-.03em;line-height:1;color:var(--ouro-tinta);margin-bottom:14px}
.passo p{margin-top:8px;color:var(--tx2)}
.passos-cta{margin-top:40px;text-align:center}
@media (max-width:760px){.passos3{grid-template-columns:minmax(0,1fr)}}

/* Formulário */
.form-card{background:var(--branco);border:1px solid var(--linha);border-radius:16px;padding:clamp(22px,3vw,34px);box-shadow:0 34px 64px -44px var(--sombra)}
.form-card .eyebrow{margin-bottom:6px}
.form-card .form-tit{font-family:var(--f-display);font-weight:900;font-size:1.45rem;letter-spacing:-.02em;color:var(--navy);margin-bottom:22px;line-height:1.15}
.form{display:grid;gap:20px}
.campo{display:grid;gap:8px}
.campo label,.campo .rotulo{font-family:var(--f-display);font-weight:700;font-size:.92rem;color:var(--navy)}
.opc{font-family:var(--f-body);font-weight:500;color:var(--tx3)}
.inp{width:100%;font:inherit;font-size:1rem;color:var(--tx);background:var(--papel);border:1px solid var(--linha);border-radius:8px;padding:13px 14px}
.inp::placeholder{color:var(--tx3);opacity:.8}
.inp:focus{border-color:var(--navy);outline:2px solid var(--navy);outline-offset:1px}
.inp[aria-invalid="true"]{border-color:var(--erro)}
.erro-msg{color:var(--erro);font-size:.85rem;font-weight:600}
.lgpd{font-size:.8rem;color:var(--tx3);line-height:1.5}
.form .btn-ouro{width:100%;font-size:1.05rem;padding:17px 20px}

/* Dúvidas (sanfona) */
.duv-grid{display:grid;grid-template-columns:minmax(0,.75fr) minmax(0,1.25fr);gap:clamp(28px,5vw,64px);align-items:start}
.duv-grid .duv-intro{color:var(--tx2);margin-top:16px;max-width:30em}
.faq{border-top:1px solid var(--linha)}
.faq details{border-bottom:1px solid var(--linha)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:19px 0;font-family:var(--f-display);font-weight:700;font-size:1.03rem;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--ouro-tinta)}
.mais{position:relative;flex:none;width:28px;height:28px;border:1.5px solid var(--linha);border-radius:50%}
.mais::before,.mais::after{content:"";position:absolute;left:50%;top:50%;width:11px;height:2px;margin:-1px 0 0 -5.5px;background:var(--navy);transition:transform .2s ease}
.mais::after{transform:rotate(90deg)}
.faq details[open] .mais::after{transform:rotate(0)}
.faq .resp{padding:0 44px 20px 0;color:var(--tx2);max-width:64ch;display:grid;gap:10px}
@media (max-width:900px){.duv-grid{grid-template-columns:minmax(0,1fr)}}

/* Chamada final */
.cta-final{text-align:center}
.cta-final .btn{margin-top:30px}
.cta-final small{display:block;margin-top:16px;font-size:.85rem;color:var(--tx3)}

/* Rodapé */
.rodape{background:var(--abismo);color:var(--nevoa);padding-block:56px}
.rod-grid{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:28px 40px;align-items:center}
.rod-logo{display:block;height:76px;width:auto}
.rod-txt{display:grid;gap:6px;font-size:.95rem}
.rod-txt strong{font-family:var(--f-display);font-weight:700;color:var(--papel)}
.rod-txt a{color:var(--marfim);text-decoration-color:var(--ouro);text-underline-offset:3px}
.rod-lema{font-family:var(--f-display);font-weight:900;font-size:1.7rem;letter-spacing:-.02em;color:var(--ouro-vivo)}
.rod-base{margin-top:36px;padding-top:20px;border-top:1px solid var(--linha-esc);font-size:.8rem}
@media (max-width:760px){
  .rod-grid{grid-template-columns:minmax(0,1fr)}
  .rodape{padding-bottom:calc(56px + 84px + env(safe-area-inset-bottom,0px))}
}

/* Barra fixa de ação no celular (aparece depois da abertura; ligar com .on via JS) */
.barra{display:none}
@media (max-width:760px){
  .barra{display:block;position:fixed;left:0;right:0;bottom:0;z-index:50;padding:12px 16px calc(12px + env(safe-area-inset-bottom,0px));background:rgba(250,248,242,.96);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);border-top:1px solid var(--linha);transform:translateY(110%);transition:transform .25s ease}
  .barra.on{transform:none}
  .barra .btn{width:100%;font-size:1rem;padding:15px 20px}
}

/* Movimento */
@keyframes entra{from{opacity:0;transform:translateY(12px)}}
.entra{animation:entra .9s var(--ease-entra) both}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
}