:root {
    --gold: #C9A84C;
    --gold-light: #E5C06A;
    --navy: #0D1B3E;
    --navy-mid: #122150;
    --navy-light: #1A2F6A;
    --white: #FFFFFF;
    --off-white: #F8F7F3;
    --gray: #6B7280;
    --gray-light: #F1F3F7;
    --text: #1C1C2E;
  }

  * { margin: 0; padding: 0; box-sizing: border-box; }

  html { scroll-behavior: smooth; }

  body {
    font-family: 'Inter', sans-serif;
    color: var(--text);
    background: var(--white);
    overflow-x: hidden;
  }

  /* ─── TOPBAR ─── */
  .topbar {
    background: var(--navy);
    padding: 8px 40px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 13px;
    color: rgba(255,255,255,0.75);
  }
  .topbar-left { display: flex; gap: 24px; }
  .topbar-left span { display: flex; align-items: center; gap: 6px; }
  .topbar-social { display: flex; gap: 12px; }
  .topbar-social a {
    color: rgba(255,255,255,0.6);
    text-decoration: none;
    font-size: 14px;
    transition: color 0.2s;
  }
  .topbar-social a:hover { color: var(--gold); }

  /* ─── NAVBAR ─── */
  nav {
    background: var(--navy-mid);
    padding: 14px 40px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 20px rgba(0,0,0,0.3);
  }
  .logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
  }
  .logo-badge {
    background: var(--gold);
    color: var(--navy);
    font-weight: 900;
    font-size: 15px;
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 6px;
    letter-spacing: -1px;
  }
  .logo-text { line-height: 1.1; }
  .logo-text .brand { font-size: 16px; font-weight: 700; color: var(--white); }
  .logo-text .sub { font-size: 10px; font-weight: 500; color: var(--gold); letter-spacing: 2px; text-transform: uppercase; }
  .nav-links { display: flex; gap: 32px; list-style: none; }
  .nav-links a {
    color: rgba(255,255,255,0.85);
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    transition: color 0.2s;
  }
  .nav-links a:hover { color: var(--gold); }
  .btn-whatsapp {
    background: var(--gold);
    color: var(--navy);
    padding: 10px 22px;
    border-radius: 8px;
    font-weight: 700;
    font-size: 14px;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: background 0.2s, transform 0.1s;
  }
  .btn-whatsapp:hover { background: var(--gold-light); transform: translateY(-1px); }

  /* ─── HERO ─── */
  #inicio {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, #1e3a8a 100%);
    min-height: 90vh;
    display: flex;
    align-items: center;
    padding: 80px 40px;
    position: relative;
    overflow: hidden;
  }
  #inicio::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="60" height="60"><rect width="1" height="60" x="30" fill="rgba(201,168,76,0.06)"/><rect width="60" height="1" y="30" fill="rgba(201,168,76,0.06)"/></svg>');
    opacity: 0.5;
  }
  .hero-inner {
    max-width: 1200px;
    margin: 0 auto;
    width: 100%;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
  }
  .hero-eyebrow {
    display: inline-block;
    background: rgba(201,168,76,0.15);
    border: 1px solid rgba(201,168,76,0.4);
    color: var(--gold);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    padding: 6px 14px;
    border-radius: 20px;
    margin-bottom: 24px;
  }
  .hero-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(40px, 5vw, 64px);
    font-weight: 900;
    color: var(--white);
    line-height: 1.1;
    margin-bottom: 8px;
  }
  .hero-title .accent { color: var(--gold); display: block; }
  .hero-sub {
    font-size: 16px;
    color: rgba(255,255,255,0.7);
    line-height: 1.7;
    margin-bottom: 36px;
    max-width: 480px;
  }
  .hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
  .btn-primary {
    background: var(--gold);
    color: var(--navy);
    padding: 14px 28px;
    border-radius: 10px;
    font-weight: 700;
    font-size: 15px;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: all 0.2s;
  }
  .btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(201,168,76,0.3); }
  .btn-outline {
    border: 2px solid rgba(255,255,255,0.35);
    color: var(--white);
    padding: 12px 28px;
    border-radius: 10px;
    font-weight: 600;
    font-size: 15px;
    text-decoration: none;
    transition: all 0.2s;
  }
  .btn-outline:hover { border-color: var(--gold); color: var(--gold); }

  .hero-card {
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.12);
    backdrop-filter: blur(12px);
    border-radius: 20px;
    padding: 36px;
  }
  .hero-card h3 {
    color: var(--white);
    font-size: 22px;
    font-weight: 700;
    margin-bottom: 24px;
  }
  .hero-feature {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 16px;
    color: rgba(255,255,255,0.85);
    font-size: 14px;
    line-height: 1.4;
  }
  .hero-feature-icon {
    width: 22px;
    height: 22px;
    background: var(--gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 1px;
    font-size: 11px;
    color: var(--navy);
    font-weight: 700;
  }
  .hero-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-top: 28px;
    padding-top: 24px;
    border-top: 1px solid rgba(255,255,255,0.1);
  }
  .hero-stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 32px;
    font-weight: 900;
    color: var(--gold);
  }
  .hero-stat-label { font-size: 12px; color: rgba(255,255,255,0.55); margin-top: 2px; }

  /* ─── DIFERENCIAIS ─── */
  #diferenciais {
    background: var(--off-white);
    padding: 80px 40px;
  }
  .section-inner { max-width: 1200px; margin: 0 auto; }
  .section-eyebrow {
    text-align: center;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 12px;
  }
  .section-title {
    text-align: center;
    font-family: 'Playfair Display', serif;
    font-size: clamp(28px, 4vw, 44px);
    font-weight: 900;
    color: var(--navy);
    margin-bottom: 16px;
  }
  .section-desc {
    text-align: center;
    color: var(--gray);
    font-size: 16px;
    max-width: 560px;
    margin: 0 auto 56px;
    line-height: 1.7;
  }
  .diferenciais-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
  }
  .diferencial-card {
    background: var(--white);
    border-radius: 16px;
    padding: 32px 24px;
    text-align: center;
    border: 1px solid rgba(0,0,0,0.06);
    transition: transform 0.2s, box-shadow 0.2s;
  }
  .diferencial-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(0,0,0,0.1); }
  .diferencial-icon {
    width: 64px;
    height: 64px;
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 26px;
  }
  .diferencial-card h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 10px;
  }
  .diferencial-card p { font-size: 14px; color: var(--gray); line-height: 1.6; }

  /* ─── SERVIÇOS ─── */
  #servicos { padding: 80px 40px; background: var(--white); }
  .tabs {
    display: flex;
    justify-content: center;
    gap: 4px;
    background: var(--gray-light);
    border-radius: 12px;
    padding: 4px;
    width: fit-content;
    margin: 0 auto 48px;
  }
  .tab {
    padding: 10px 28px;
    border-radius: 9px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
    border: none;
    background: transparent;
    color: var(--gray);
  }
  .tab.active {
    background: var(--navy);
    color: var(--white);
    box-shadow: 0 2px 8px rgba(0,0,0,0.15);
  }
  .tab:hover:not(.active) { color: var(--navy); }
  .tab-panel { display: none; }
  .tab-panel.active { display: block; }
  .services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
  .service-card {
    background: var(--white);
    border: 1px solid rgba(0,0,0,0.08);
    border-radius: 16px;
    padding: 32px;
    transition: all 0.2s;
  }
  .service-card:hover { border-color: var(--gold); box-shadow: 0 8px 24px rgba(0,0,0,0.08); }
  .service-icon {
    width: 52px;
    height: 52px;
    background: var(--gray-light);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin-bottom: 20px;
  }
  .service-card h4 { font-size: 17px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
  .service-card p { font-size: 14px; color: var(--gray); line-height: 1.65; }
  .seguros-banner {
    background: var(--navy);
    border-radius: 16px;
    padding: 28px 36px;
    display: flex;
    align-items: center;
    gap: 20px;
    margin-bottom: 36px;
    color: var(--white);
  }
  .seguros-banner .icon { font-size: 28px; flex-shrink: 0; }
  .seguros-banner h4 { font-size: 18px; font-weight: 700; margin-bottom: 6px; }
  .seguros-banner p { font-size: 14px; opacity: 0.75; line-height: 1.5; }
  .seguros-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
  }
  .seguro-card {
    background: var(--white);
    border: 1px solid rgba(0,0,0,0.08);
    border-radius: 14px;
    padding: 24px 20px;
    transition: all 0.2s;
  }
  .seguro-card:hover { border-color: var(--gold); box-shadow: 0 6px 20px rgba(0,0,0,0.08); }
  .seguro-icon {
    width: 44px;
    height: 44px;
    background: var(--gray-light);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin-bottom: 16px;
  }
  .seguro-tag {
    display: inline-block;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--gold);
    background: rgba(201,168,76,0.1);
    padding: 3px 10px;
    border-radius: 20px;
    margin-bottom: 10px;
  }
  .seguro-card h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
  .seguro-card p { font-size: 13px; color: var(--gray); line-height: 1.55; }
  .services-cta {
    text-align: center;
    padding-top: 40px;
  }
  .services-cta p { color: var(--gray); margin-bottom: 16px; }

  /* ─── SOBRE ─── */
  #sobre { padding: 80px 40px; background: var(--off-white); }
  .sobre-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
  }
  .sobre-img-wrap { position: relative; }
  .sobre-img {
    width: 100%;
    height: 420px;
    object-fit: cover;
    border-radius: 20px;
    background: linear-gradient(135deg, var(--navy-light), var(--navy));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 80px;
  }
  .sobre-badge {
    position: absolute;
    bottom: -20px;
    right: -20px;
    background: var(--gold);
    color: var(--navy);
    border-radius: 14px;
    padding: 16px 22px;
    text-align: center;
    font-weight: 900;
  }
  .sobre-badge .num { font-family: 'Playfair Display', serif; font-size: 36px; display: block; line-height: 1; }
  .sobre-badge .lbl { font-size: 11px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; }
  .sobre-content .section-eyebrow { text-align: left; }
  .sobre-content .section-title { text-align: left; font-size: clamp(24px, 3vw, 36px); }
  .sobre-para { color: var(--gray); font-size: 15px; line-height: 1.75; margin-bottom: 16px; }
  .sobre-values {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-top: 32px;
  }
  .value-card {
    background: var(--white);
    border-radius: 12px;
    padding: 18px 20px;
    border: 1px solid rgba(0,0,0,0.06);
  }
  .value-card h5 {
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
    display: flex;
    align-items: center;
    gap: 8px;
  }
  .value-card h5 span { color: var(--gold); font-size: 16px; }
  .value-card p { font-size: 12px; color: var(--gray); line-height: 1.5; }

  /* ─── BLOG ─── */
  #blog { padding: 80px 40px; background: var(--white); }
  .blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-top: 0;
  }
  .blog-card {
    background: var(--white);
    border-radius: 16px;
    overflow: hidden;
    border: 1px solid rgba(0,0,0,0.08);
    transition: all 0.2s;
    cursor: pointer;
  }
  .blog-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(0,0,0,0.1); }
  .blog-thumb {
    height: 180px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 48px;
  }
  .blog-thumb-1 { background: linear-gradient(135deg, #1a2f6a, #0d1b3e); }
  .blog-thumb-2 { background: linear-gradient(135deg, #c9a84c, #8a6e2a); }
  .blog-thumb-3 { background: linear-gradient(135deg, #1e3a8a, #122150); }
  .blog-body { padding: 24px; }
  .blog-tag {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 10px;
  }
  .blog-card h4 { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 10px; line-height: 1.4; }
  .blog-card p { font-size: 13px; color: var(--gray); line-height: 1.6; margin-bottom: 16px; }
  .blog-meta { font-size: 12px; color: #aaa; }

  /* ─── NEWSLETTER ─── */
  #newsletter {
    background: var(--navy);
    padding: 60px 40px;
  }
  .newsletter-inner {
    max-width: 600px;
    margin: 0 auto;
    text-align: center;
  }
  .newsletter-inner .section-title { color: var(--white); margin-bottom: 12px; }
  .newsletter-inner p { color: rgba(255,255,255,0.65); margin-bottom: 32px; font-size: 15px; }
  .newsletter-form { display: flex; gap: 12px; flex-wrap: wrap; }
  .newsletter-form input {
    flex: 1;
    min-width: 180px;
    padding: 14px 20px;
    border-radius: 10px;
    border: 1px solid rgba(255,255,255,0.15);
    background: rgba(255,255,255,0.08);
    color: var(--white);
    font-size: 14px;
    font-family: 'Inter', sans-serif;
    outline: none;
    transition: border 0.2s;
  }
  .newsletter-form input::placeholder { color: rgba(255,255,255,0.4); }
  .newsletter-form input:focus { border-color: var(--gold); }
  .newsletter-form button {
    background: var(--gold);
    color: var(--navy);
    padding: 14px 28px;
    border-radius: 10px;
    border: none;
    font-weight: 700;
    font-size: 14px;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    transition: background 0.2s;
    white-space: nowrap;
  }
  .newsletter-form button:hover { background: var(--gold-light); }

  /* ─── DEPOIMENTOS ─── */
  #depoimentos { padding: 80px 40px; background: var(--off-white); }
  .testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
  }
  .testimonial-card {
    background: var(--white);
    border-radius: 16px;
    padding: 32px;
    border: 1px solid rgba(0,0,0,0.06);
    position: relative;
    transition: all 0.2s;
  }
  .testimonial-card:hover { box-shadow: 0 8px 24px rgba(0,0,0,0.08); }
  .testimonial-stars { color: var(--gold); font-size: 16px; margin-bottom: 16px; }
  .quote-icon {
    position: absolute;
    top: 28px;
    right: 28px;
    font-size: 32px;
    color: rgba(201,168,76,0.15);
    font-family: Georgia, serif;
    line-height: 1;
  }
  .testimonial-card blockquote { font-size: 14px; color: #444; line-height: 1.7; margin-bottom: 24px; font-style: italic; }
  .testimonial-author { display: flex; align-items: center; gap: 14px; }
  .author-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--navy));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    font-weight: 700;
    color: var(--white);
    flex-shrink: 0;
  }
  .author-name { font-weight: 700; font-size: 14px; color: var(--navy); }
  .author-title { font-size: 12px; color: var(--gray); }

  /* ─── MAPA ─── */
  #localizacao { padding: 80px 40px; background: var(--white); }
  .map-inner { max-width: 1100px; margin: 0 auto; }
  .map-wrap {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 40px;
    align-items: start;
    margin-top: 48px;
  }
  .map-info h4 { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 24px; }
  .map-detail {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 20px;
  }
  .map-detail-icon {
    width: 40px;
    height: 40px;
    background: var(--navy);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
    flex-shrink: 0;
  }
  .map-detail strong { display: block; font-size: 11px; font-weight: 700; color: var(--gray); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 3px; }
  .map-detail span { font-size: 14px; color: var(--text); }
  .map-frame {
    border-radius: 16px;
    overflow: hidden;
    height: 380px;
    background: var(--gray-light);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gray);
    font-size: 14px;
    border: 1px solid rgba(0,0,0,0.08);
  }
  .map-frame iframe {
    width: 100%;
    height: 100%;
    border: none;
  }

  /* ─── FAQ ─── */
  #faq { padding: 80px 40px; background: var(--off-white); }
  .faq-grid {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
  }
  .faq-item {
    background: var(--white);
    border-radius: 12px;
    border: 1px solid rgba(0,0,0,0.07);
    overflow: hidden;
  }
  .faq-q {
    padding: 20px 24px;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    transition: background 0.15s;
  }
  .faq-q:hover { background: var(--gray-light); }
  .faq-q .arrow {
    font-size: 18px;
    color: var(--gold);
    transition: transform 0.25s;
    flex-shrink: 0;
    margin-left: 16px;
  }
  .faq-q.open .arrow { transform: rotate(180deg); }
  .faq-a {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.2s;
  }
  .faq-a.open { max-height: 200px; }
  .faq-a-inner {
    padding: 0 24px 20px;
    font-size: 14px;
    color: var(--gray);
    line-height: 1.7;
  }

  /* ─── CTA ─── */
  #cta {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    padding: 80px 40px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  #cta::before {
    content: '';
    position: absolute;
    top: -80px;
    left: 50%;
    transform: translateX(-50%);
    width: 600px;
    height: 600px;
    border-radius: 50%;
    background: rgba(201,168,76,0.06);
    pointer-events: none;
  }
  #cta .section-eyebrow { color: var(--gold-light); }
  #cta .section-title { color: var(--white); margin-bottom: 16px; }
  #cta .section-desc { color: rgba(255,255,255,0.65); margin-bottom: 36px; }
  .cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
  .btn-cta-outline {
    border: 2px solid rgba(255,255,255,0.3);
    color: var(--white);
    padding: 14px 28px;
    border-radius: 10px;
    font-weight: 600;
    font-size: 15px;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: all 0.2s;
  }
  .btn-cta-outline:hover { border-color: var(--gold); color: var(--gold); }

  /* ─── CONTATO ─── */
  #contato { padding: 80px 40px; background: var(--white); }
  .contato-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1.4fr;
    gap: 60px;
    align-items: start;
  }
  .contato-info h4 { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 28px; }
  .contact-detail {
    display: flex;
    gap: 14px;
    margin-bottom: 20px;
    align-items: flex-start;
  }
  .contact-detail-icon {
    width: 40px;
    height: 40px;
    background: var(--navy);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
    flex-shrink: 0;
  }
  .contact-detail strong { display: block; font-size: 11px; font-weight: 700; color: var(--gray); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 3px; }
  .contact-detail span { font-size: 14px; color: var(--text); }
  .form-group { margin-bottom: 18px; }
  .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
  .form-group label { display: block; font-size: 12px; font-weight: 700; color: var(--navy); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px; }
  .form-group input,
  .form-group select,
  .form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid rgba(0,0,0,0.12);
    border-radius: 10px;
    font-size: 14px;
    font-family: 'Inter', sans-serif;
    color: var(--text);
    background: var(--white);
    transition: border-color 0.2s;
    outline: none;
  }
  .form-group input:focus,
  .form-group select:focus,
  .form-group textarea:focus { border-color: var(--gold); }
  .form-group textarea { height: 120px; resize: vertical; }
  .btn-submit {
    width: 100%;
    background: var(--navy);
    color: var(--white);
    padding: 16px;
    border-radius: 10px;
    border: none;
    font-weight: 700;
    font-size: 15px;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    transition: background 0.2s;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
  }
  .btn-submit:hover { background: var(--navy-light); }

  /* ─── FOOTER ─── */
  footer {
    background: #080f20;
    color: rgba(255,255,255,0.65);
    padding: 60px 40px 28px;
  }
  .footer-inner {
    max-width: 1200px;
    margin: 0 auto;
  }
  .footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.07);
    margin-bottom: 32px;
  }
  .footer-brand p { font-size: 13px; line-height: 1.7; margin: 16px 0 20px; color: rgba(255,255,255,0.5); }
  .footer-social { display: flex; gap: 10px; }
  .footer-social a {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: rgba(255,255,255,0.07);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.55);
    text-decoration: none;
    font-size: 14px;
    transition: all 0.2s;
  }
  .footer-social a:hover { background: var(--gold); color: var(--navy); }
  .footer-col h5 {
    font-size: 12px;
    font-weight: 700;
    color: var(--white);
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 20px;
  }
  .footer-col ul { list-style: none; }
  .footer-col ul li { margin-bottom: 10px; }
  .footer-col ul li a {
    color: rgba(255,255,255,0.5);
    text-decoration: none;
    font-size: 14px;
    transition: color 0.2s;
  }
  .footer-col ul li a:hover { color: var(--gold); }
  .footer-col .contact-line { display: flex; align-items: center; gap: 8px; font-size: 13px; color: rgba(255,255,255,0.5); margin-bottom: 10px; }
  .footer-col .contact-line span { color: var(--gold); }
  .footer-bottom { text-align: center; font-size: 12px; color: rgba(255,255,255,0.3); }
  .footer-bottom a { color: rgba(255,255,255,0.45); text-decoration: none; }
  .footer-bottom a:hover { color: var(--gold); }

  /* ─── WHATSAPP FAB ─── */
  .whatsapp-fab {
    position: fixed;
    bottom: 28px;
    right: 28px;
    width: 56px;
    height: 56px;
    background: #25D366;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    box-shadow: 0 4px 20px rgba(37,211,102,0.4);
    cursor: pointer;
    text-decoration: none;
    z-index: 999;
    transition: transform 0.2s;
  }
  .whatsapp-fab:hover { transform: scale(1.1); }

  /* ─── RESPONSIVE ─── */
  @media (max-width: 900px) {
    .topbar { display: none; }
    nav { padding: 12px 20px; }
    .nav-links { display: none; }
    #inicio { padding: 60px 20px; min-height: auto; }
    .hero-inner { grid-template-columns: 1fr; }
    #diferenciais, #servicos, #sobre, #blog, #newsletter, #depoimentos, #localizacao, #faq, #cta, #contato { padding: 60px 20px; }
    .diferenciais-grid, .testimonials-grid, .blog-grid { grid-template-columns: 1fr; }
    .services-grid { grid-template-columns: 1fr 1fr; }
    .seguros-grid { grid-template-columns: 1fr 1fr; }
    .sobre-inner, .contato-inner { grid-template-columns: 1fr; }
    .map-wrap { grid-template-columns: 1fr; }
    .sobre-badge { right: 0; bottom: -12px; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .newsletter-form { flex-direction: column; }
    .form-row { grid-template-columns: 1fr; }
  }

/* ── HAMBURGER & MOBILE MENU ── */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: transparent;
  border: none;
  cursor: pointer;
  padding: 6px;
  border-radius: 8px;
  transition: background 0.2s;
  z-index: 101;
}
.hamburger:hover { background: rgba(255,255,255,0.08); }
.hamburger span {
  display: block;
  width: 100%;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all 0.3s;
  transform-origin: center;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.5);
  z-index: 98;
  backdrop-filter: blur(2px);
}
.nav-overlay.active { display: block; }
.nav-whatsapp-mobile { display: none !important; }

@media (max-width: 900px) {
  .hamburger { display: flex !important; }
  .btn-whatsapp { display: none !important; }

  nav ul.nav-links {
    position: fixed !important;
    top: 0;
    right: -280px;
    width: 260px;
    height: 100vh;
    background: #0D1B3E;
    flex-direction: column !important;
    gap: 0 !important;
    padding: 80px 0 32px !important;
    z-index: 100;
    transition: right 0.3s ease;
    box-shadow: -4px 0 24px rgba(0,0,0,0.3);
    display: flex !important;
  }
  nav ul.nav-links.open { right: 0 !important; }
  nav ul.nav-links li a {
    display: block;
    padding: 14px 28px !important;
    font-size: 16px !important;
    color: rgba(255,255,255,0.85) !important;
    border-bottom: 1px solid rgba(255,255,255,0.07);
    transition: background 0.15s, color 0.15s;
  }
  nav ul.nav-links li a:hover { background: rgba(255,255,255,0.06); color: #C9A84C !important; }
  .nav-whatsapp-mobile { display: list-item !important; margin-top: 16px; }
  .nav-whatsapp-mobile a {
    background: #C9A84C !important;
    color: #0D1B3E !important;
    border-radius: 8px !important;
    margin: 0 20px;
    border-bottom: none !important;
    font-weight: 700 !important;
    text-align: center;
    border-radius: 10px !important;
  }
}