/* =============================================================
     TOKENS · Manual de Marca Andrey Alencar v1.0
     ============================================================= */
  :root{
    --onix:#0B0B0B;
    --grafite:#1C1C1E;
    --chumbo:#3A3A3C;
    --marfim:#F4EFE6;
    --marfim-85:rgba(244,239,230,.85);
    --marfim-60:rgba(244,239,230,.6);
    --nevoa:#8E8E93;
    --ouro:#C9A45C;
    --ouro-claro:#E6C97F;
    --ouro-profundo:#9C7A35;
    --ouro-12:rgba(201,164,92,.12);
    --ouro-22:rgba(201,164,92,.22);
    --ouro-grad:linear-gradient(135deg,#E6C97F 0%,#C9A45C 50%,#A8843B 100%);
    --bordo:#5C2430;
    --musgo:#4F7A5A;
    --display:"Playfair Display",Georgia,"Times New Roman",serif;
    --label:"Montserrat","Helvetica Neue",Arial,sans-serif;
    --body:"Lato","Helvetica Neue",Arial,sans-serif;
    --ease:cubic-bezier(.22,1,.36,1);
    --ease-io:cubic-bezier(.65,0,.35,1);
    --radius-card:20px;
    --radius-btn:10px;
    --maxw:1200px;
    color-scheme:dark;
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{
    margin:0;background:var(--onix);color:var(--marfim-85);
    font-family:var(--body);font-size:17px;line-height:1.6;
    -webkit-font-smoothing:antialiased;overflow-x:hidden;
  }
  body.is-locked{overflow:hidden}
  img{max-width:100%;display:block}
  a{color:inherit}
  h1,h2,h3,h4{font-family:var(--display);color:var(--marfim);margin:0;line-height:1.1;letter-spacing:-.01em;text-wrap:balance}
  p{margin:0}
  .wrap{width:min(var(--maxw),100% - 48px);margin-inline:auto}
  .eyebrow{
    font-family:var(--label);font-weight:600;font-size:12px;letter-spacing:.12em;
    text-transform:uppercase;color:var(--ouro);display:inline-flex;align-items:center;gap:12px;
  }
  .eyebrow::before{content:"";width:28px;height:1px;background:var(--ouro);display:inline-block}
  .eyebrow--plain::before{display:none}
  .sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

  /* ---------- Buttons ---------- */
  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:10px;
    font-family:var(--label);font-weight:700;font-size:15px;letter-spacing:.01em;
    padding:16px 28px;border-radius:var(--radius-btn);text-decoration:none;
    cursor:pointer;border:1.5px solid transparent;position:relative;overflow:hidden;
    transition:transform .35s var(--ease),box-shadow .35s var(--ease),background-color .3s,color .3s,border-color .3s;
    white-space:nowrap;
  }
  .btn:focus-visible{outline:2px solid var(--ouro-claro);outline-offset:3px}
  .btn--primary{background:var(--ouro-grad);color:var(--onix);box-shadow:0 10px 30px -12px rgba(201,164,92,.55)}
  .btn--primary::after{
    content:"";position:absolute;inset:0;
    background:linear-gradient(115deg,transparent 30%,rgba(255,255,255,.35) 50%,transparent 70%);
    transform:translateX(-120%);transition:transform .9s var(--ease);
  }
  .btn--primary:hover{transform:translateY(-2px);box-shadow:0 18px 40px -14px rgba(201,164,92,.7)}
  .btn--primary:hover::after{transform:translateX(120%)}
  .btn--secondary{border-color:var(--ouro);color:var(--ouro-claro);background:transparent}
  .btn--secondary:hover{background:var(--ouro-12);transform:translateY(-2px)}
  .btn--ghost{background:var(--chumbo);color:var(--marfim);border-color:var(--chumbo)}
  .btn--ghost:hover{background:#474749;transform:translateY(-2px)}
  .btn svg{width:18px;height:18px;flex:none}


  /* =============================================================
     HEADER
     ============================================================= */
  .header{
    position:fixed;inset:0 0 auto 0;z-index:50;padding:16px 0;
    transition:background-color .4s,backdrop-filter .4s,box-shadow .4s,padding .4s,transform .5s var(--ease);
  }
  .header.is-scrolled{
    background:rgba(11,11,11,.84);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
    box-shadow:0 1px 0 rgba(58,58,60,.6);padding:8px 0;
  }
  .header.is-hidden{transform:translateY(-110%)}
  .header .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px}
  .brand{display:flex;align-items:center;text-decoration:none}
  .brand img{height:58px;width:auto;transition:height .4s var(--ease)}
  .header.is-scrolled .brand img{height:44px}
  .nav{display:flex;align-items:center;gap:30px}
  .nav a:not(.btn){
    font-family:var(--label);font-weight:500;font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;
    color:var(--marfim-60);text-decoration:none;position:relative;transition:color .3s;
  }
  .nav a:not(.btn)::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:1px;background:var(--ouro);transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease)}
  .nav a:not(.btn):hover{color:var(--marfim)}
  .nav a:not(.btn):hover::after{transform:scaleX(1)}
  .nav .btn{padding:11px 20px;font-size:13px}
  .burger{display:none;background:none;border:0;padding:8px;cursor:pointer}
  .burger span{display:block;width:24px;height:2px;background:var(--marfim);margin:5px 0;transition:transform .4s var(--ease),opacity .3s}
  .burger.is-open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .burger.is-open span:nth-child(2){opacity:0}
  .burger.is-open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  @media (max-width:900px){
    .burger{display:block}
    .nav{
      position:fixed;inset:0;background:rgba(11,11,11,.96);backdrop-filter:blur(20px);
      flex-direction:column;justify-content:center;gap:28px;
      opacity:0;pointer-events:none;transition:opacity .4s;
    }
    .nav.is-open{opacity:1;pointer-events:auto}
    .nav a:not(.btn){font-size:16px}
    .nav .btn{padding:16px 28px;font-size:15px}
    .brand img{height:46px}
    .header.is-scrolled .brand img{height:40px}
    .header .burger{position:relative;z-index:60}
  }


  .reveal{opacity:0;transform:translateY(26px);transition:opacity .9s var(--ease),transform 1s var(--ease)}
  .reveal.in-view{opacity:1;transform:none}
  .reveal[data-delay="1"]{transition-delay:.08s}.reveal[data-delay="2"]{transition-delay:.16s}.reveal[data-delay="3"]{transition-delay:.24s}

  /* =============================================================
     FOOTER
     ============================================================= */
  .footer{border-top:1px solid var(--chumbo);padding:48px 0 36px;color:var(--nevoa);font-size:14px}
  .footer .wrap{display:flex;flex-wrap:wrap;gap:24px 40px;align-items:center;justify-content:space-between}
  .footer__brand{display:flex;align-items:center;gap:16px}
  .footer__brand img{height:52px;width:auto}
  .footer__links{display:flex;flex-wrap:wrap;gap:8px 26px;font-family:var(--label);font-size:12px;letter-spacing:.08em;text-transform:uppercase}
  .footer__links a{text-decoration:none;color:var(--nevoa);transition:color .3s}
  .footer__links a:hover{color:var(--ouro-claro)}
  .footer__copy{width:100%;font-size:12.5px;color:rgba(142,142,147,.75)}


  /* =============================================================
     BLOG · páginas de artigo e listagem
     ============================================================= */
  .header{position:sticky}
  .header.is-scrolled{padding:10px 0}
  .progress{position:fixed;left:0;top:0;right:0;height:2px;z-index:60;background:rgba(58,58,60,.5)}
  .progress i{display:block;height:100%;background:var(--ouro-grad);transform:scaleX(0);transform-origin:left}
  main{display:block}
  .cover--bancario{--cover:linear-gradient(135deg,#1C1C1E 0%,#2a2416 60%,#3A3A3C 100%)}
  .cover--consignado{--cover:linear-gradient(135deg,#171A1C 0%,#24303a 60%,#1C1C1E 100%)}
  .cover--consumidor{--cover:linear-gradient(135deg,#1C1C1E 0%,#3b2c1a 70%,#1C1C1E 100%)}
  .cover--veiculo{--cover:linear-gradient(135deg,#141414 0%,#2d2d30 55%,#1C1C1E 100%)}
  .cover--familia{--cover:linear-gradient(135deg,#1C1C1E 0%,#3d1b22 60%,#5C2430 100%)}
  .cover--geral{--cover:linear-gradient(135deg,#1C1C1E 0%,#243128 60%,#4F7A5A 100%)}

  /* --- listagem --- */
  .hub{padding:70px 0 110px}
  .hub__head{display:grid;gap:18px;max-width:720px;margin-bottom:56px}
  .hub__head h1{font-size:clamp(34px,4.4vw,54px);font-weight:700}
  .hub__head p{font-size:18px;font-weight:300;max-width:56ch}
  .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .card{
    position:relative;background:var(--grafite);border:1px solid var(--chumbo);border-radius:var(--radius-card);overflow:hidden;
    display:grid;grid-template-rows:160px 1fr;text-decoration:none;color:inherit;
    transition:transform .5s var(--ease),border-color .4s,box-shadow .5s var(--ease);
  }
  .card:hover{transform:translateY(-6px);border-color:rgba(201,164,92,.5);box-shadow:0 40px 80px -40px rgba(201,164,92,.35)}
  .card__cover{position:relative;display:grid;place-items:center;isolation:isolate;overflow:hidden}
  .card__cover::before{content:"";position:absolute;inset:0;background:var(--cover);z-index:-1;transform:scale(1.05);transition:transform 1.2s var(--ease)}
  .card:hover .card__cover::before{transform:scale(1.15)}
  .card__cover::after{content:"";position:absolute;inset:0;z-index:-1;opacity:.35;background-image:repeating-linear-gradient(135deg,rgba(244,239,230,.07) 0 1px,transparent 1px 14px)}
  .card__glyph{font-family:var(--display);font-style:italic;font-size:76px;color:rgba(230,201,127,.9);line-height:1;text-shadow:0 20px 50px rgba(0,0,0,.6)}
  .card__cat{position:absolute;left:16px;top:16px;background:rgba(11,11,11,.72);backdrop-filter:blur(8px);border:1px solid rgba(201,164,92,.35);font-family:var(--label);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--ouro-claro);padding:7px 12px;border-radius:999px;font-weight:600}
  .card__body{padding:22px 24px 58px;display:grid;gap:12px;align-content:start;position:relative}
  .card__meta{font-family:var(--label);font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--nevoa);display:flex;gap:14px;flex-wrap:wrap}
  .card h3{font-size:20px;font-weight:600;line-height:1.25}
  .card p{font-size:14.5px;font-weight:300;color:var(--marfim-85);line-height:1.55}
  .card__read{position:absolute;left:24px;bottom:20px;font-family:var(--label);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--ouro);display:inline-flex;gap:8px;align-items:center}
  .card__read svg{width:14px;height:14px;stroke:currentColor;stroke-width:2;fill:none;transition:transform .4s var(--ease)}
  .card:hover .card__read svg{transform:translateX(5px)}
  @media (max-width:980px){.cards{grid-template-columns:1fr 1fr}}
  @media (max-width:640px){.cards{grid-template-columns:1fr}.hub{padding:50px 0 80px}}

  /* --- artigo --- */
  .article{padding:60px 0 0}
  .article__head{display:grid;gap:20px;max-width:820px;margin-bottom:40px}
  .back{font-family:var(--label);font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--nevoa);text-decoration:none;display:inline-flex;gap:8px;align-items:center;transition:color .3s;width:max-content}
  .back svg{width:16px;height:16px;stroke:currentColor;stroke-width:2;fill:none;stroke-linecap:round;stroke-linejoin:round;transition:transform .4s var(--ease)}
  .back:hover{color:var(--ouro-claro)}.back:hover svg{transform:translateX(-4px)}
  .article h1{font-size:clamp(32px,4.2vw,52px);font-weight:700;line-height:1.08}
  .article__meta{font-family:var(--label);font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--nevoa);display:flex;flex-wrap:wrap;gap:8px 22px}
  .article__cover{
    width:min(var(--maxw),100% - 48px);margin:0 auto 54px;height:clamp(180px,30vw,340px);border-radius:var(--radius-card);border:1px solid var(--chumbo);
    background:var(--cover);display:grid;place-items:center;position:relative;overflow:hidden;isolation:isolate;
  }
  .article__cover::after{content:"";position:absolute;inset:0;z-index:-1;opacity:.35;background-image:repeating-linear-gradient(135deg,rgba(244,239,230,.07) 0 1px,transparent 1px 14px)}
  .article__cover .card__glyph{font-size:clamp(90px,14vw,160px)}
  .article__body{max-width:760px;margin-inline:auto;font-size:18px;line-height:1.75;font-weight:300;color:var(--marfim-85)}
  .article__body > *{margin:0 0 22px}
  .article__body .lead{font-size:21px;line-height:1.6;color:var(--marfim);font-weight:300;border-left:2px solid var(--ouro);padding-left:22px}
  .article__body h2{font-size:clamp(24px,2.6vw,30px);font-weight:600;margin:46px 0 16px;color:var(--marfim)}
  .article__body strong{color:var(--marfim);font-weight:700}
  .article__body ul,.article__body ol{padding-left:22px;display:grid;gap:10px}
  .article__body li::marker{color:var(--ouro)}
  .callout{background:var(--grafite);border:1px solid var(--chumbo);border-left:3px solid var(--ouro);border-radius:14px;padding:24px 26px;display:grid;gap:10px;margin:34px 0!important}
  .callout b{font-family:var(--label);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--ouro);font-weight:600}
  .callout p{margin:0;font-size:16.5px}
  .disclaimer{font-size:13.5px;color:var(--nevoa);border-top:1px solid var(--chumbo);padding-top:22px;margin-top:40px}
  .share{display:flex;gap:16px;align-items:center;font-family:var(--label);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--nevoa)}
  .share a{color:var(--ouro-claro);text-decoration:none;border:1px solid rgba(201,164,92,.4);border-radius:999px;padding:8px 14px;transition:background-color .3s}
  .share a:hover{background:var(--ouro-12)}

  /* --- CTA WhatsApp --- */
  .cta{
    position:relative;overflow:hidden;background:var(--grafite);border:1px solid rgba(201,164,92,.4);border-radius:var(--radius-card);
    padding:48px 44px;display:grid;gap:16px;max-width:860px;margin:64px auto 0;
  }
  .cta::before{content:"";position:absolute;inset:auto -30% -70% auto;width:60%;aspect-ratio:1;border-radius:50%;background:radial-gradient(circle,rgba(201,164,92,.25),transparent 65%);pointer-events:none}
  .cta h2{font-size:clamp(26px,3vw,36px);font-weight:600}
  .cta p{font-size:16.5px;font-weight:300;max-width:56ch}
  .cta__actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:8px}
  .cta .btn{white-space:normal;text-align:center}
  .hub .cta{margin-top:70px}
  .related{padding:90px 0 110px;display:grid;gap:30px}
  @media (max-width:760px){
    .article{padding:34px 0 0}
    .article__body{font-size:17px}
    .cta{padding:34px 24px}
    .related{padding:70px 0 80px}
  }