/* ============================================================
   GRUPO MRX, Seguro de Vida | Design System & Estilos
   ============================================================ */

/* ---------- Tokens ---------- */
:root{
  /* Cores de marca, somente branco e azul royal (tons/tintas de uma única matiz) */
  --mrx-navy:        #101C5C;
  --mrx-navy-dark:   #060B2E;
  --mrx-navy-soft:   #16257A;
  --mrx-blue:        #1E40D8;
  --mrx-blue-dark:   #16309F;
  --mrx-blue-light:  #7C93FF;
  --mrx-white:       #FFFFFF;

  --mrx-background:  #F5F7FF;
  --mrx-surface:     #FFFFFF;
  --mrx-text:        #0B1330;
  --mrx-muted:       #5C6798;
  --mrx-border:      #E1E6FA;

  /* Tipografia */
  --font-display: 'Manrope', 'Inter', -apple-system, sans-serif;
  --font-body:    'Inter', -apple-system, sans-serif;

  /* Espaçamento */
  --sp-1: 4px;  --sp-2: 8px;  --sp-3: 12px; --sp-4: 16px;
  --sp-5: 24px; --sp-6: 32px; --sp-7: 48px; --sp-8: 64px;
  --sp-9: 80px; --sp-10: 96px; --sp-11: 120px;

  /* Estrutura */
  --container: 1240px;
  --radius-sm: 12px;
  --radius: 18px;
  --radius-lg: 28px;
  --header-h: 84px;

  /* Sombra */
  --shadow-sm: 0 2px 10px rgba(10,31,61,.06);
  --shadow-md: 0 12px 32px rgba(10,31,61,.10);
  --shadow-lg: 0 24px 60px rgba(10,31,61,.16);

  --ease: cubic-bezier(.22,1,.36,1);
  --transition: .3s var(--ease);
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;scroll-padding-top:var(--header-h);}
body{
  font-family:var(--font-body);
  color:var(--mrx-text);
  background:var(--mrx-background);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{display:block;max-width:100%;height:auto;}
a{color:inherit;text-decoration:none;}
ul{list-style:none;}
button,input,select,textarea{font-family:inherit;font-size:1rem;color:inherit;}
button{cursor:pointer;border:none;background:none;}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:800;line-height:1.15;letter-spacing:-.01em;}
.container{max-width:var(--container);margin:0 auto;padding:0 clamp(20px,3.2vw,32px);}

/* ---------- Barra de rolagem ---------- */
html{scrollbar-width:thin;scrollbar-color:var(--mrx-blue) var(--mrx-background);}
::-webkit-scrollbar{width:10px;height:10px;}
::-webkit-scrollbar-track{background:var(--mrx-background);}
::-webkit-scrollbar-thumb{background:var(--mrx-blue);border-radius:999px;border:2px solid var(--mrx-background);}
::-webkit-scrollbar-thumb:hover{background:var(--mrx-blue-dark);}

@media (prefers-reduced-motion:reduce){
  *{animation-duration:.01ms !important;animation-iteration-count:1 !important;transition-duration:.01ms !important;scroll-behavior:auto !important;}
}

/* ---------- Utilitários ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:9px;
  font-family:var(--font-display);font-weight:700;font-size:.78rem;
  letter-spacing:.14em;text-transform:uppercase;color:var(--mrx-blue);
  margin-bottom:var(--sp-4);
}
.eyebrow::before{
  content:'';width:7px;height:7px;border-radius:50%;
  background:var(--mrx-blue);display:inline-block;flex-shrink:0;
  box-shadow:0 0 0 3px rgba(30,64,216,.16);
}
.eyebrow--light{color:var(--mrx-blue-light);}
.eyebrow--light::before{background:var(--mrx-blue-light);box-shadow:0 0 0 3px rgba(124,147,255,.22);}

.section{padding:var(--sp-11) 0;}
.section--tight{padding:var(--sp-9) 0;}
.section-head{max-width:680px;margin-bottom:var(--sp-8);}
.section-head--center{margin-left:auto;margin-right:auto;text-align:center;}
.section-head h2{font-size:clamp(1.9rem,3.2vw,2.6rem);margin-bottom:var(--sp-4);}
.section-head p{font-size:1.08rem;color:var(--mrx-muted);}

.text-highlight{color:var(--mrx-blue-light);}
.text-highlight--navy{
  background:linear-gradient(90deg,var(--mrx-blue-light),#A9B8FF);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}

.reveal{
  opacity:0;transform:translateY(34px) scale(.96);
  transition:opacity 1.05s cubic-bezier(.19,1,.22,1),transform 1.05s cubic-bezier(.19,1,.22,1);
}
.reveal.is-visible{opacity:1;transform:translateY(0) scale(1);}
.reveal--delay-1{transition-delay:.14s;}
.reveal--delay-2{transition-delay:.28s;}
.reveal--delay-3{transition-delay:.42s;}

/* ---------- Botões ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:var(--font-display);font-weight:700;font-size:.92rem;letter-spacing:.01em;
  padding:1rem 1.9rem;border-radius:999px;border:2px solid transparent;
  transition:all var(--transition);white-space:nowrap;
}
.btn svg{transition:transform var(--transition);}
.btn:hover svg{transform:translateX(3px);}
.btn--primary{background:var(--mrx-blue);color:#fff;border-color:var(--mrx-blue);box-shadow:0 10px 24px rgba(30,64,216,.28);}
.btn--primary:hover{background:var(--mrx-blue-dark);border-color:var(--mrx-blue-dark);transform:translateY(-2px);box-shadow:0 14px 30px rgba(30,64,216,.36);}
.btn--primary:active{transform:translateY(0);}
.btn--ghost{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.4);backdrop-filter:blur(6px);}
.btn--ghost:hover{background:rgba(255,255,255,.18);border-color:#fff;transform:translateY(-2px);}
.btn--outline{background:transparent;color:var(--mrx-navy);border-color:var(--mrx-navy);}
.btn--outline:hover{background:var(--mrx-navy);color:#fff;transform:translateY(-2px);}
.btn--block{width:100%;}
.btn--lg{padding:1.15rem 2.4rem;font-size:1rem;}
.btn--sm{padding:.6rem 1.25rem;font-size:.82rem;}
.btn:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,button:focus-visible{
  outline:3px solid var(--mrx-blue-light);outline-offset:2px;
}

/* ============================================================
   HEADER
   ============================================================ */
.header{
  position:fixed;top:0;left:0;right:0;z-index:100;
  height:var(--header-h);display:flex;align-items:center;
  transition:background var(--transition),box-shadow var(--transition),height var(--transition);
}
.header::before{
  content:'';position:absolute;inset:0;
  background:linear-gradient(180deg,rgba(5,16,31,.55) 0%,rgba(5,16,31,0) 100%);
  opacity:1;transition:opacity var(--transition);pointer-events:none;z-index:-1;
}
.header.is-scrolled{height:72px;background:rgba(10,31,61,.92);backdrop-filter:blur(14px);box-shadow:0 6px 24px rgba(5,16,31,.18);}
.header.is-scrolled::before{opacity:0;}

.header__inner{display:flex;align-items:center;justify-content:space-between;gap:var(--sp-5);width:100%;}
.header__logo{display:flex;align-items:center;gap:10px;flex-shrink:0;}
.header__logo img{height:38px;width:auto;transition:height var(--transition);}
.header.is-scrolled .header__logo img{height:34px;}

.header__nav{display:flex;align-items:center;gap:var(--sp-6);}
.header__nav a{
  position:relative;font-weight:600;font-size:.92rem;color:#fff;padding:6px 0;
}
.header__nav a::after{
  content:'';position:absolute;left:0;bottom:0;width:0;height:2px;background:var(--mrx-blue-light);
  transition:width var(--transition);
}
.header__nav a:hover::after,.header__nav a:focus-visible::after{width:100%;}

.header__actions{display:flex;align-items:center;gap:var(--sp-4);}
.header__cta{display:inline-flex;}
.header__cta-short{display:none;}
.header__burger{
  display:none;position:relative;z-index:102;flex-direction:column;justify-content:center;gap:5px;
  width:44px;height:44px;border-radius:10px;background:rgba(255,255,255,.08);
  transition:background var(--transition);
}
.header__burger.is-open{background:rgba(255,255,255,.14);}
.header__burger span{
  display:block;width:20px;height:2px;background:#fff;margin:0 auto;border-radius:2px;
  transition:transform .35s cubic-bezier(.5,-0.3,.25,1.3),opacity .2s ease;
}
.header__burger.is-open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.header__burger.is-open span:nth-child(2){opacity:0;transform:scaleX(0);}
.header__burger.is-open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

.mobile-menu{
  position:fixed;inset:0;top:var(--header-h);z-index:101;
  background:linear-gradient(180deg,var(--mrx-navy) 0%,var(--mrx-navy-dark) 100%);
  display:flex;flex-direction:column;padding:var(--sp-7) var(--sp-5);gap:var(--sp-6);
  transform:translateY(-12px);opacity:0;visibility:hidden;
  transition:opacity var(--transition),transform var(--transition),visibility 0s linear .3s;
}
.mobile-menu.is-open{opacity:1;transform:translateY(0);visibility:visible;transition:opacity var(--transition),transform var(--transition);}
.mobile-menu nav{display:flex;flex-direction:column;gap:var(--sp-5);}
.mobile-menu nav a{font-family:var(--font-display);font-size:1.4rem;font-weight:700;color:#fff;}
.mobile-menu .btn{margin-top:var(--sp-4);}

/* ============================================================
   HERO
   ============================================================ */
.hero{
  position:relative;min-height:68vh;display:flex;align-items:center;
  padding-top:var(--header-h);overflow:hidden;background:var(--mrx-navy);
}
.hero__media{position:absolute;inset:0;z-index:0;overflow:hidden;}
.hero__media img{position:absolute;top:-6%;left:0;width:100%;height:112%;object-fit:cover;object-position:45% 30%;will-change:transform;}
.hero__media::after{
  content:'';position:absolute;inset:0;
  background:
    linear-gradient(100deg,rgba(5,16,31,.94) 18%,rgba(5,16,31,.72) 42%,rgba(5,16,31,.28) 68%,rgba(5,16,31,.55) 100%),
    linear-gradient(0deg,rgba(5,16,31,.55),transparent 40%);
}
.hero__inner{position:relative;z-index:1;width:100%;padding-top:var(--sp-8);padding-bottom:var(--sp-8);}
.hero__content{max-width:640px;}
.hero__content h1{font-size:clamp(2.4rem,5vw,3.85rem);color:#fff;margin-bottom:var(--sp-5);}
.hero__content p.lead{font-size:1.15rem;color:rgba(255,255,255,.86);max-width:520px;margin-bottom:var(--sp-6);}
.hero__actions{display:flex;flex-wrap:wrap;gap:var(--sp-4);margin-bottom:var(--sp-6);}
.hero__proof{display:flex;flex-wrap:wrap;gap:var(--sp-5) var(--sp-6);margin-bottom:var(--sp-3);}
.hero__proof li{display:flex;align-items:center;gap:8px;font-size:.9rem;font-weight:600;color:#fff;}
.hero__proof svg{color:var(--mrx-blue-light);flex-shrink:0;}
.hero__micro{font-size:.82rem;color:rgba(255,255,255,.6);letter-spacing:.02em;}

/* ---------- Trust bar ---------- */
.trustbar{background:var(--mrx-surface);border-bottom:1px solid var(--mrx-border);}
.trustbar__inner{
  display:grid;grid-template-columns:repeat(5,1fr);
  padding:var(--sp-6) 0;
}
.trustbar__item{text-align:center;padding:0 var(--sp-3);position:relative;}
.trustbar__item:not(:last-child)::after{
  content:'';position:absolute;right:0;top:50%;transform:translateY(-50%);
  width:1px;height:36px;background:var(--mrx-border);
}
.trustbar__num{font-family:var(--font-display);font-weight:800;font-size:1.6rem;color:var(--mrx-navy);display:block;}
.trustbar__label{font-size:.78rem;color:var(--mrx-muted);text-transform:uppercase;letter-spacing:.06em;font-weight:600;}

/* ============================================================
   PROBLEMA (split)
   ============================================================ */
.split{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp-9);align-items:center;}
.split__copy h2{font-size:clamp(1.9rem,3.4vw,2.7rem);margin-bottom:var(--sp-5);color:var(--mrx-navy);}
.split__copy p{font-size:1.08rem;color:var(--mrx-muted);margin-bottom:var(--sp-6);}
.split__media{position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3.1;}
.split__media img{position:absolute;top:-20%;left:0;width:100%;height:140%;object-fit:cover;will-change:transform;}
.split--reverse .split__copy{order:2;}
.split--reverse .split__media{order:1;}

.section--problem{background:var(--mrx-navy);color:#fff;}
.section--problem .split__copy h2{color:#fff;}
.section--problem .split__copy p{color:rgba(255,255,255,.72);}
.section--problem .split__media::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,transparent 60%,rgba(5,16,31,.5));}

/* ============================================================
   COBERTURAS, composição editorial
   ============================================================ */
.coverage-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:var(--sp-6);
}
.cov-card{
  background:var(--mrx-surface);border:1px solid var(--mrx-border);border-radius:var(--radius);
  padding:var(--sp-7) var(--sp-6) var(--sp-6);display:flex;flex-direction:column;
  transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition);
  position:relative;overflow:hidden;
}
.cov-card::after{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--mrx-blue),var(--mrx-blue-light));
  transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease);
}
.cov-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:transparent;}
.cov-card:hover::after{transform:scaleX(1);}
.cov-card__num{
  position:absolute;top:var(--sp-5);right:var(--sp-6);
  font-family:var(--font-display);font-weight:800;font-size:.78rem;
  color:var(--mrx-border);letter-spacing:.04em;transition:color var(--transition);
}
.cov-card:hover .cov-card__num{color:var(--mrx-blue-light);}
.cov-card__icon{
  width:52px;height:52px;border-radius:14px;background:rgba(30,64,216,.08);
  display:flex;align-items:center;justify-content:center;color:var(--mrx-blue);margin-bottom:var(--sp-5);
  transition:background var(--transition),color var(--transition),transform var(--transition);
}
.cov-card:hover .cov-card__icon{background:var(--mrx-blue);color:#fff;transform:scale(1.06);}
.cov-card h3{font-size:1.15rem;margin-bottom:var(--sp-2);color:var(--mrx-navy);}
.cov-card p{font-size:.95rem;color:var(--mrx-muted);}

.cov-card--spotlight{
  background:radial-gradient(120% 140% at 100% 0%,var(--mrx-navy-soft) 0%,var(--mrx-navy) 45%,var(--mrx-navy-dark) 100%);
  border-color:transparent;color:#fff;
}
.cov-card--spotlight::before{
  content:'';position:absolute;top:-40%;right:-30%;width:70%;height:70%;border-radius:50%;
  background:radial-gradient(circle,rgba(124,147,255,.28) 0%,transparent 70%);pointer-events:none;
}
.cov-card--spotlight .cov-card__num{color:rgba(255,255,255,.3);}
.cov-card--spotlight:hover .cov-card__num{color:var(--mrx-blue-light);}
.cov-card--spotlight .cov-card__icon{background:rgba(255,255,255,.12);color:var(--mrx-blue-light);}
.cov-card--spotlight:hover .cov-card__icon{background:#fff;color:var(--mrx-navy);}
.cov-card--spotlight h3{color:#fff;font-size:1.3rem;}
.cov-card--spotlight p{color:rgba(255,255,255,.72);}
.cov-card__tag{
  display:inline-flex;align-items:center;font-size:.72rem;font-weight:700;letter-spacing:.04em;
  text-transform:uppercase;color:var(--mrx-blue-light);margin-bottom:var(--sp-2);
}

.coverage-note{
  margin-top:var(--sp-6);font-size:.85rem;color:var(--mrx-muted);
  display:flex;align-items:flex-start;gap:8px;max-width:680px;
}
.coverage-note svg{flex-shrink:0;margin-top:2px;color:var(--mrx-blue);}

/* ============================================================
   POR QUE MRX
   ============================================================ */
.section--why{background:var(--mrx-background);}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--sp-6);}
.why-item{
  background:var(--mrx-surface);border:1px solid var(--mrx-border);border-radius:var(--radius);
  padding:var(--sp-6);position:relative;overflow:hidden;
  transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition);
}
.why-item::after{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--mrx-blue),var(--mrx-blue-light));
  transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease);
}
.why-item:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:transparent;}
.why-item:hover::after{transform:scaleX(1);}
.why-item__top{display:flex;align-items:center;justify-content:space-between;margin-bottom:var(--sp-5);}
.why-item__icon{
  width:52px;height:52px;border-radius:14px;background:rgba(30,64,216,.08);
  display:flex;align-items:center;justify-content:center;color:var(--mrx-blue);
  transition:background var(--transition),color var(--transition),transform var(--transition);
}
.why-item:hover .why-item__icon{background:var(--mrx-blue);color:#fff;transform:scale(1.06);}
.why-item__num{
  font-family:var(--font-display);font-weight:800;font-size:.78rem;
  color:var(--mrx-border);letter-spacing:.04em;transition:color var(--transition);
}
.why-item:hover .why-item__num{color:var(--mrx-blue-light);}
.why-item h3{font-size:1.1rem;margin-bottom:var(--sp-3);color:var(--mrx-navy);}
.why-item p{color:var(--mrx-muted);font-size:.94rem;}

/* ============================================================
   COMO FUNCIONA
   ============================================================ */
.section--process{background:linear-gradient(180deg,var(--mrx-navy) 0%,var(--mrx-navy-dark) 100%);color:#fff;}
.section--process .section-head h2{color:#fff;}
.section--process .section-head p{color:rgba(255,255,255,.68);}

.process{
  display:grid;grid-template-columns:repeat(5,1fr);gap:var(--sp-5);position:relative;
}
.process__track{
  position:absolute;top:32px;left:10%;right:10%;height:3px;
  background:rgba(255,255,255,.14);border-radius:3px;
}
.process__fill{
  position:absolute;top:31.5px;left:10%;height:4px;width:0;border-radius:3px;
  background:linear-gradient(90deg,var(--mrx-blue),var(--mrx-blue-light));
  box-shadow:0 0 10px 2px rgba(124,147,255,.55),0 0 20px 5px rgba(30,64,216,.35);
  transition:width .35s cubic-bezier(.22,1,.36,1);
}
.process__fill::after{
  content:'';position:absolute;top:50%;right:-5px;width:11px;height:11px;border-radius:50%;
  background:#fff;transform:translateY(-50%);
  box-shadow:0 0 10px 3px rgba(255,255,255,.85),0 0 22px 8px rgba(124,147,255,.7);
  opacity:var(--fill-head-opacity,0);transition:opacity .3s var(--ease);
}
.process__step{
  position:relative;z-index:1;text-align:center;display:flex;flex-direction:column;align-items:center;
}
.process__badge{
  width:60px;height:60px;border-radius:50%;background:var(--mrx-navy-soft);color:#fff;
  display:flex;align-items:center;justify-content:center;font-family:var(--font-display);
  font-weight:800;font-size:1.1rem;margin-bottom:var(--sp-5);position:relative;z-index:1;flex-shrink:0;
  box-shadow:0 0 0 6px var(--mrx-navy-dark),0 0 0 9px rgba(255,255,255,.14);
  transition:transform .4s var(--ease),box-shadow .4s var(--ease),background .4s var(--ease);
}
.process__badge.is-lit{
  background:var(--mrx-blue);transform:scale(1.12);
  box-shadow:0 0 0 6px var(--mrx-navy-dark),0 0 0 9px rgba(124,147,255,.45),0 0 30px 10px rgba(124,147,255,.55);
}
.process__step h3{font-size:1.02rem;margin-bottom:var(--sp-2);color:#fff;max-width:180px;}
.process__step p{font-size:.86rem;color:rgba(255,255,255,.65);max-width:190px;}

/* ============================================================
   SEGURADORAS
   ============================================================ */
.insurers{background:var(--mrx-surface);}
.insurers__strip{
  display:flex;flex-wrap:wrap;align-items:center;justify-content:center;
  gap:var(--sp-9) var(--sp-11);padding-top:var(--sp-5);
}
.insurers__strip img{
  max-height:42px;width:auto;filter:grayscale(1) opacity(.55);
  transition:filter var(--transition),transform var(--transition);
}
.insurers__strip img:hover{filter:grayscale(0) opacity(1);transform:translateY(-2px);}
.insurers__wordmark{
  font-family:var(--font-display);font-weight:800;font-size:1.7rem;letter-spacing:-.01em;
  color:var(--mrx-muted);opacity:.7;transition:color var(--transition),opacity var(--transition),transform var(--transition);
}
.insurers__wordmark:hover{color:var(--mrx-navy);opacity:1;transform:translateY(-2px);}

/* ============================================================
   DEPOIMENTOS
   ============================================================ */
.section--testimonials{background:var(--mrx-background);overflow:clip;}
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--sp-6);}
.testi-card{
  background:var(--mrx-surface);border:1px solid var(--mrx-border);border-radius:var(--radius);
  padding:var(--sp-7);display:flex;flex-direction:column;gap:var(--sp-5);
  transition:box-shadow var(--transition);will-change:transform;
}
.testi-card:hover{box-shadow:var(--shadow-md);}
.testi-card__stars{display:flex;gap:3px;color:var(--mrx-blue);}
.testi-card__text{font-size:1.02rem;color:var(--mrx-text);flex-grow:1;}
.testi-card__author{display:flex;align-items:center;gap:12px;}
.testi-card__avatar{
  width:44px;height:44px;border-radius:50%;background:var(--mrx-navy);color:#fff;
  display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-weight:700;font-size:.9rem;flex-shrink:0;
}
.testi-card__author strong{display:block;font-size:.95rem;color:var(--mrx-navy);}
.testi-card__author span{font-size:.82rem;color:var(--mrx-muted);}
.testi-note{margin-top:var(--sp-6);text-align:center;font-size:.8rem;color:var(--mrx-muted);}

/* ============================================================
   OBJEÇÕES / FAQ
   ============================================================ */
.section--faq{background:var(--mrx-surface);}
.faq-list{max-width:800px;margin:0 auto;display:flex;flex-direction:column;gap:var(--sp-3);}
.faq-item{border:1px solid var(--mrx-border);border-radius:var(--radius-sm);overflow:hidden;background:var(--mrx-background);}
.faq-item__q{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:var(--sp-4);
  padding:var(--sp-5) var(--sp-6);text-align:left;font-family:var(--font-display);font-weight:700;font-size:1.02rem;color:var(--mrx-navy);
}
.faq-item__q svg{flex-shrink:0;transition:transform var(--transition);color:var(--mrx-blue);}
.faq-item.is-open .faq-item__q svg{transform:rotate(45deg);}
.faq-item__a{max-height:0;overflow:hidden;transition:max-height var(--transition);}
.faq-item__a p{padding:0 var(--sp-6) var(--sp-5);color:var(--mrx-muted);font-size:.96rem;max-width:640px;}

/* ============================================================
   CTA FINAL
   ============================================================ */
.cta-final{
  position:relative;padding:var(--sp-11) 0;overflow:hidden;
  background:var(--mrx-navy);
}
.cta-final__media{position:absolute;inset:0;overflow:hidden;}
.cta-final__media img{position:absolute;top:-22%;left:0;width:100%;height:144%;object-fit:cover;will-change:transform;}
.cta-final__media::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,rgba(5,16,31,.88),rgba(10,31,61,.82));}
.cta-final__inner{
  position:relative;z-index:1;
  display:flex;align-items:center;justify-content:space-between;gap:var(--sp-8);
}
.cta-final__copy{max-width:520px;}
.cta-final h2{color:#fff;font-size:clamp(2rem,3.6vw,2.8rem);margin-bottom:var(--sp-4);}
.cta-final p{color:rgba(255,255,255,.82);font-size:1.1rem;}
.cta-final__action{display:flex;flex-direction:column;align-items:flex-start;flex-shrink:0;}
.cta-final__micro{margin-top:var(--sp-5);display:flex;flex-direction:column;gap:10px;}
.cta-final__micro li{display:flex;align-items:center;gap:8px;color:rgba(255,255,255,.72);font-size:.85rem;font-weight:600;white-space:nowrap;}
.cta-final__micro svg{color:var(--mrx-blue-light);flex-shrink:0;}

/* ============================================================
   FORMULÁRIO
   ============================================================ */
.section--form{background:var(--mrx-background);}
.form-wrap{
  display:grid;grid-template-columns:.85fr 1.15fr;gap:var(--sp-9);align-items:start;
}
.form-wrap__intro{position:sticky;top:calc(var(--header-h) + var(--sp-6));}
.form-wrap__intro h2{font-size:clamp(1.9rem,3.2vw,2.5rem);color:var(--mrx-navy);margin-bottom:var(--sp-5);}
.form-wrap__intro p{color:var(--mrx-muted);font-size:1.05rem;margin-bottom:var(--sp-6);}
.form-wrap__intro ul{display:flex;flex-direction:column;gap:var(--sp-3);}
.form-wrap__intro li{display:flex;align-items:center;gap:10px;font-weight:600;font-size:.94rem;color:var(--mrx-navy);}
.form-wrap__intro svg{color:var(--mrx-blue);flex-shrink:0;}

.quote-card{
  background:var(--mrx-surface);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);
  padding:var(--sp-8);
}
.quote-progress{display:flex;align-items:center;gap:var(--sp-2);margin-bottom:var(--sp-7);}
.quote-progress__dot{
  flex:1;height:4px;border-radius:4px;background:var(--mrx-border);position:relative;
}
.quote-progress__dot::before{
  content:attr(data-step);position:absolute;top:-26px;left:0;font-size:.72rem;font-weight:700;
  color:var(--mrx-muted);letter-spacing:.04em;
}
.quote-progress__dot.is-active,.quote-progress__dot.is-done{background:var(--mrx-blue);}
.quote-progress__dot.is-active::before,.quote-progress__dot.is-done::before{color:var(--mrx-blue);}

.quote-step{display:none;}
.quote-step.is-active{display:block;animation:fadeStep .5s var(--ease);}
@keyframes fadeStep{from{opacity:0;transform:translateX(12px);}to{opacity:1;transform:translateX(0);}}
.quote-step h3{font-size:1.3rem;color:var(--mrx-navy);margin-bottom:var(--sp-6);}

.option-grid{display:grid;grid-template-columns:1fr;gap:var(--sp-3);margin-bottom:var(--sp-6);}
.option-grid--row{grid-template-columns:repeat(3,1fr);}
.option-card{
  position:relative;border:2px solid var(--mrx-border);border-radius:var(--radius-sm);
  padding:var(--sp-4) var(--sp-5);cursor:pointer;transition:all var(--transition);
  display:flex;align-items:center;gap:10px;font-weight:600;font-size:.94rem;
}
.option-card:hover{border-color:var(--mrx-blue);transform:translateY(-1px);}
.option-card input{position:absolute;opacity:0;}
.option-card input:checked + span{color:var(--mrx-blue);}
.option-card:has(input:checked){
  border-color:var(--mrx-blue);background:rgba(30,64,216,.06);
  transform:scale(1.015);box-shadow:0 6px 16px rgba(30,64,216,.16);
}
.option-grid--row .option-card{justify-content:center;text-align:center;}

.field{margin-bottom:var(--sp-5);}
.field label{display:block;font-size:.86rem;font-weight:600;color:var(--mrx-navy);margin-bottom:8px;}
.field input,.field select,.field textarea{
  width:100%;border:1.5px solid var(--mrx-border);border-radius:var(--radius-sm);
  padding:.85rem 1rem;background:var(--mrx-background);transition:border-color var(--transition),background var(--transition);
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--mrx-blue);background:#fff;outline:none;}
.field input.is-error,.field select.is-error{border-color:var(--mrx-navy);border-width:2px;}
.field__error{display:none;color:var(--mrx-navy);font-size:.78rem;font-weight:600;margin-top:6px;}
.field.has-error .field__error{display:block;}
.field.has-error input,.field.has-error select{border-color:var(--mrx-navy);border-width:2px;}

.quote-nav{display:flex;justify-content:space-between;align-items:center;gap:var(--sp-4);margin-top:var(--sp-6);}
.quote-nav__back{
  display:inline-flex;align-items:center;gap:6px;
  font-weight:600;color:var(--mrx-muted);font-size:.9rem;
  transition:color var(--transition),transform var(--transition);
}
.quote-nav__back svg{transition:transform var(--transition);}
.quote-nav__back:hover{color:var(--mrx-navy);}
.quote-nav__back:hover svg{transform:translateX(-3px);}
.quote-lgpd{font-size:.78rem;color:var(--mrx-muted);margin-top:var(--sp-5);text-align:center;}

.quote-success{display:none;text-align:center;padding:var(--sp-7) 0;}
.quote-success.is-active{display:block;}
.quote-success__icon{
  width:64px;height:64px;border-radius:50%;background:rgba(30,64,216,.1);color:var(--mrx-blue);
  display:flex;align-items:center;justify-content:center;margin:0 auto var(--sp-5);
}
.quote-success h3{color:var(--mrx-navy);margin-bottom:var(--sp-3);}
.quote-success p{color:var(--mrx-muted);}

/* ============================================================
   WHATSAPP FLUTUANTE
   ============================================================ */
@keyframes wa-pulse{
  0%{box-shadow:0 10px 28px rgba(30,64,216,.38),0 0 0 0 rgba(30,64,216,.4);}
  70%{box-shadow:0 10px 28px rgba(30,64,216,.38),0 0 0 16px rgba(30,64,216,0);}
  100%{box-shadow:0 10px 28px rgba(30,64,216,.38),0 0 0 0 rgba(30,64,216,0);}
}
@keyframes wa-icon-nudge{
  0%,80%,100%{transform:rotate(0deg) scale(1);}
  85%{transform:rotate(-10deg) scale(1.08);}
  90%{transform:rotate(8deg) scale(1.08);}
  95%{transform:rotate(-4deg) scale(1.02);}
}
.whatsapp-float{
  position:fixed;right:var(--sp-4);bottom:var(--sp-4);z-index:90;
  display:flex;align-items:center;justify-content:flex-start;
  width:58px;height:58px;padding-left:16px;background:var(--mrx-blue);color:#fff;
  border-radius:999px;box-shadow:0 10px 28px rgba(30,64,216,.38);overflow:hidden;
  transition:width .4s var(--ease),box-shadow .3s var(--ease),background .3s var(--ease),transform .3s var(--ease);
  animation:wa-pulse 3.2s ease-out infinite;
}
.whatsapp-float svg{flex-shrink:0;animation:wa-icon-nudge 5s ease-in-out infinite;}
.whatsapp-float span{
  white-space:nowrap;font-weight:700;font-size:.88rem;
  margin-left:10px;padding-right:8px;
  opacity:0;transform:translateX(-6px);
  transition:opacity .2s ease,transform .2s ease;
}
.whatsapp-float:hover,.whatsapp-float:focus-visible{
  width:230px;background:var(--mrx-blue-dark);
  box-shadow:0 16px 36px rgba(30,64,216,.5);
  transform:translateY(-3px);animation-play-state:paused;
}
.whatsapp-float:hover svg,.whatsapp-float:focus-visible svg{animation-play-state:paused;}
.whatsapp-float:hover span,.whatsapp-float:focus-visible span{
  opacity:1;transform:translateX(0);
  transition:opacity .3s ease .16s,transform .3s ease .16s;
}
@media (prefers-reduced-motion:reduce){
  .whatsapp-float{animation:none;}
  .whatsapp-float svg{animation:none;}
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer{background:var(--mrx-navy-dark);color:rgba(255,255,255,.7);padding:var(--sp-9) 0 var(--sp-6);}
.footer__top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:var(--sp-8);padding-bottom:var(--sp-8);border-bottom:1px solid rgba(255,255,255,.1);}
.footer__logo img{height:36px;margin-bottom:var(--sp-4);}
.footer__brand p{max-width:340px;font-size:.92rem;line-height:1.7;margin-bottom:var(--sp-5);}
.footer__social{display:flex;gap:10px;}
.footer__social a{
  width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);
  display:flex;align-items:center;justify-content:center;transition:background var(--transition),transform var(--transition);
}
.footer__social a:hover{background:var(--mrx-blue);transform:translateY(-2px);}
.footer__col h4{font-family:var(--font-display);color:#fff;font-size:.9rem;letter-spacing:.04em;text-transform:uppercase;margin-bottom:var(--sp-5);}
.footer__col ul{display:flex;flex-direction:column;gap:var(--sp-3);font-size:.92rem;}
.footer__col a:hover{color:#fff;}
.footer__col address{font-style:normal;font-size:.92rem;line-height:1.8;}
.footer__bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:var(--sp-3);padding-top:var(--sp-6);font-size:.82rem;}
.footer__bottom a:hover{color:#fff;}
.footer__legal{display:flex;gap:var(--sp-5);}

/* ============================================================
   RESPONSIVO
   ============================================================ */
@media (max-width:1180px){
  .coverage-grid{grid-template-columns:repeat(2,1fr);}
  .why-grid{grid-template-columns:repeat(2,1fr);row-gap:var(--sp-8);}
}

@media (max-width:1024px){
  .header__nav{display:none;}
  .header__burger{display:flex;}
  .split{grid-template-columns:1fr;gap:var(--sp-7);}
  .split--reverse .split__copy,.split--reverse .split__media{order:0;}
  .form-wrap{grid-template-columns:1fr;}
  .form-wrap__intro{position:static;top:auto;}
  .trustbar__inner{grid-template-columns:repeat(3,1fr);row-gap:var(--sp-6);}
  .trustbar__item:nth-child(3)::after{display:none;}
  .process{display:flex;flex-direction:column;gap:var(--sp-6);padding-top:0;}
  .process__step{flex-direction:row;align-items:center;text-align:left;gap:var(--sp-5);}
  .process__step h3,.process__step p{max-width:none;}
  .process__badge{margin-bottom:0;flex-shrink:0;width:52px;height:52px;font-size:1rem;}
  .process__track{top:0;bottom:0;left:26px;right:auto;width:2px;height:auto;}
  .process__fill{top:0;left:26px;width:4px;height:0;}
  .process__fill::after{top:auto;right:auto;bottom:-5px;left:50%;transform:translateX(-50%);}
  .footer__top{grid-template-columns:1fr 1fr;}
  .footer__brand{grid-column:span 2;}
}

@media (max-width:860px){
  .testi-grid{grid-template-columns:1fr;}
  .insurers__strip{gap:var(--sp-6) var(--sp-7);}
}

@media (max-width:720px){
  :root{--header-h:72px;}
  .header__inner{gap:var(--sp-4);}
  .insurers__strip{flex-wrap:nowrap;gap:var(--sp-4);justify-content:space-between;}
  .insurers__strip img{max-height:30px;}
  .insurers__wordmark{font-size:1.2rem;}
  .header__cta-full{display:none;}
  .header__cta-short{display:inline;}
  .header__cta{padding:.6rem 1.1rem;}
  .header__actions{gap:var(--sp-3);}
  .section{padding:var(--sp-9) 0;}
  .hero{min-height:auto;padding-bottom:var(--sp-9);}
  .hero__media img{top:-1.5%;height:103%;object-position:42% 22%;}
  .hero__content{max-width:100%;}
  .hero__actions{flex-direction:column;align-items:stretch;}
  .hero__actions .btn{width:100%;}
  .hero__proof{gap:var(--sp-3) var(--sp-5);}
  .trustbar__item--extra{display:none;}
  .trustbar__inner{grid-template-columns:repeat(3,1fr);row-gap:0;}
  .trustbar__item{padding:0 var(--sp-2);}
  .trustbar__item::after{display:none;}
  .trustbar__item:nth-child(2)::after,.trustbar__item:nth-child(3)::after{display:block;}
  .trustbar__num{font-size:1.3rem;}
  .trustbar__label{font-size:.68rem;}
  .coverage-grid{grid-template-columns:1fr;}
  .why-grid{grid-template-columns:1fr;gap:var(--sp-7);}
  .process{gap:var(--sp-6);}
  .quote-card{padding:var(--sp-6);}
  .option-grid--row{grid-template-columns:1fr 1fr;}
  .footer__top{grid-template-columns:1fr;}
  .footer__brand{grid-column:span 1;}
  .footer__bottom{flex-direction:column;align-items:flex-start;}
  .cta-final{padding:var(--sp-9) 0;}
  .cta-final__inner{flex-direction:column;align-items:flex-start;text-align:left;gap:var(--sp-6);}
  .cta-final__action{align-items:flex-start;}
}

@media (max-width:420px){
  .option-grid--row{grid-template-columns:1fr;}
}