/* 
================================================================
    AMAN - ADMINISTRADORA E CORRETORA DE SEGUROS
    ESTILO: PREMIUM MINIMALIST & LUXURY INSTITUTIONAL
    ARQUITETURA: COMPONENT-BASED CSS
================================================================
*/

/* 1. VARIÁVEIS DO SISTEMA (DESIGN TOKENS)
================================================================ */
:root {
    /* Cores Primárias */
    --aman-navy: #050A14;         /* Navy Profundo (Autoridade) */
    --aman-navy-light: #0A1629;
    --aman-gold: #B08D48;         /* Dourado Metálico (Refinado - Contraste AA) */
    --aman-gold-light: #D4AF37;
    --aman-gold-text: #806323;
    --aman-white: #FFFFFF;
    
    /* Cores de Apoio */
    --aman-grey-100: #F8F9FA;     /* Backgrounds Claros */
    --aman-grey-200: #E9ECEF;     /* Bordas e Divisores */
    --aman-grey-800: #343A40;     /* Textos Secundários */
    --aman-text: #2D3436;         /* Texto Principal */
    --aman-text-muted: #636E72;
    
    /* Tipografia */
    --font-serif: 'Playfair Display', serif;
    --font-sans: 'Inter', sans-serif;
    
    /* Efeitos e Transições */
    --transition-premium: all 0.6s cubic-bezier(0.16, 1, 0.3, 1);
    --transition-fast: all 0.3s ease;
    --shadow-premium: 0 20px 40px rgba(0, 0, 0, 0.05);
    --shadow-gold: 0 10px 30px rgba(176, 141, 72, 0.15);
    --radius-premium: 12px;
}

/* 2. RESET E ESTILOS BASE
================================================================ */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
}

body {
    font-family: var(--font-sans);
    color: var(--aman-text);
    background-color: var(--aman-white);
    line-height: 1.8;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

section { overflow: hidden; }

.section-padding { padding: 96px 0; }

a {
    text-decoration: none;
    transition: var(--transition-fast);
}

.skip-link {
    position: fixed;
    top: 12px;
    left: 12px;
    z-index: 10000;
    padding: 12px 18px;
    color: var(--aman-navy);
    background: var(--aman-white);
    border: 2px solid var(--aman-gold);
    border-radius: 6px;
    transform: translateY(-160%);
}

.skip-link:focus {
    transform: translateY(0);
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
    outline: 3px solid var(--aman-gold-light);
    outline-offset: 3px;
}

ul { list-style: none; }

/* 3. UTILITÁRIOS DE TIPOGRAFIA
================================================================ */
.serif { font-family: var(--font-serif); }
.italic { font-style: italic; }
.text-gold { color: var(--aman-gold-text) !important; }

.bg-navy-dark .text-gold,
.hero-section .text-gold,
.article-hero .text-gold,
.insurer-hero .text-gold,
.service-card-cta .text-gold,
.insurer-action-panel .text-gold {
    color: var(--aman-gold) !important;
}
.bg-navy-dark { background-color: var(--aman-navy); }
.small-caps {
    text-transform: uppercase;
    letter-spacing: 3px;
    font-size: 0.8rem;
    font-weight: 600;
}

.eyebrow {
    display: block;
    text-transform: uppercase;
    letter-spacing: 4px;
    font-weight: 600;
    font-size: 0.8rem;
}

h1, h2, h3, h4, h5 {
    font-weight: 700;
    color: var(--aman-navy);
}

.display-1 { 
    font-size: clamp(2.5rem, 8vw, 4.5rem); 
    line-height: 1.1; 
}

/* 4. PRELOADER
================================================================ */
#preloader {
    position: fixed;
    top: 0; left: 0; width: 100%; height: 100%;
    background: var(--aman-navy);
    z-index: 9999;
    display: flex;
    justify-content: center;
    align-items: center;
    transition: opacity 0.8s ease-in-out;
}

.aman-symbol {
    width: 60px; height: 60px;
    border: 2px solid var(--aman-gold);
    position: relative;
    animation: rotateSymbol 4s infinite linear;
}

@keyframes rotateSymbol {
    0% { transform: rotate(0deg); border-radius: 0; }
    50% { border-radius: 50%; border-color: var(--aman-white); }
    100% { transform: rotate(360deg); border-radius: 0; }
}

/* 5. NAVEGAÇÃO (NAVBAR PREMIUM)
================================================================ */
.nav-aman {
    padding: 10px 0;
    transition: var(--transition-premium);
    background: transparent;
}

.nav-aman.scrolled {
    padding: 6px 0;
    background: rgba(5, 10, 20, 0.98);
    backdrop-filter: blur(15px);
    border-bottom: 1px solid rgba(176, 141, 72, 0.2);
}

.nav-aman .navbar-brand {
    padding: 0;
    margin-right: clamp(18px, 2vw, 28px);
    line-height: 0;
    flex-shrink: 0;
}

.nav-aman .logo-main {
    display: block;
    width: clamp(220px, 19vw, 280px);
    height: auto;
    transition: width .3s ease;
}

.nav-aman.scrolled .logo-main {
    width: clamp(205px, 17vw, 250px);
}

.nav-aman .nav-link {
    color: var(--aman-white) !important;
    font-weight: 500;
    font-size: clamp(.86rem, 1vw, .98rem);
    margin: 0 clamp(5px, .65vw, 10px);
    opacity: 0.7;
    position: relative;
    white-space: nowrap;
}

.nav-aman .btn-gold-filled {
    padding: 11px 18px;
    font-size: clamp(.76rem, .8vw, .84rem);
    white-space: nowrap;
}

.nav-aman .nav-link::after {
    content: '';
    position: absolute;
    bottom: -5px; left: 0; width: 0; height: 1px;
    background: var(--aman-gold);
    transition: var(--transition-fast);
}

.nav-aman .nav-link:hover, 
.nav-aman .nav-link.active {
    opacity: 1;
    color: var(--aman-gold) !important;
}

.nav-aman .nav-link:hover::after { width: 100%; }

@media (min-width: 992px) {
    .nav-aman .container {
        justify-content: center;
        align-items: center;
        flex-wrap: nowrap;
    }

    .nav-aman .navbar-nav {
        align-items: center;
        flex-wrap: nowrap;
        margin-left: 0 !important;
        margin-right: 0 !important;
    }

    .nav-aman .navbar-collapse {
        flex-grow: 0;
        flex-basis: auto;
        align-items: center;
        justify-content: center;
        min-width: 0;
    }
}

/* 6. HERO SECTION
================================================================ */
.hero-section {
    /*
     * Mantém uma área segura abaixo do cabeçalho fixo. A logo possui uma
     * proporção vertical alta e, em notebooks, o hero anterior chegava a
     * apenas 400px, fazendo o conteúdo começar atrás da marca.
     */
    height: clamp(500px, 56vh, 540px);
    min-height: 0;
    padding-top: clamp(142px, 12vw, 176px);
    overflow: hidden;
}

.hero-section .display-1 {
    font-size: clamp(2.3rem, 5vw, 3.5rem);
    margin-bottom: 1rem !important;
}

.hero-section .eyebrow {
    margin-bottom: .5rem !important;
}

.hero-section .lead {
    line-height: 1.5;
    margin-bottom: 1.5rem !important;
}

.hero-bg-media {
    position: absolute;
    top: 0; left: 0; width: 100%; height: 100%;
    z-index: 1;
}

.hero-bg-media .hero-bg-fallback {
    width: 100%; height: 100%;
    object-fit: cover;
    display: block;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(75deg, rgba(5,10,20,0.95) 0%, rgba(5,10,20,0.4) 100%);
    z-index: 2;
}

.hero-section > .container {
    z-index: 3;
}

/* 7. BOTÕES (AMAN UI KIT)
================================================================ */
.btn-gold-filled {
    background: var(--aman-gold);
    color: var(--aman-navy);
    padding: 16px 35px;
    border: 1px solid var(--aman-gold);
    border-radius: 4px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    font-size: 0.85rem;
    transition: var(--transition-premium);
}

.btn-gold-filled:hover {
    background: transparent;
    color: var(--aman-gold-text);
    transform: translateY(-5px);
    box-shadow: var(--shadow-gold);
}

.nav-aman .btn-gold-filled:hover,
.hero-section .btn-gold-filled:hover,
.bg-navy-dark .btn-gold-filled:hover,
.service-card-cta .btn-gold-filled:hover,
.insurer-action-panel .btn-gold-filled:hover {
    color: var(--aman-gold);
}

.btn-outline-white {
    border: 1px solid var(--aman-white);
    color: var(--aman-white);
    padding: 16px 35px;
    border-radius: 4px;
    font-weight: 600;
    text-transform: uppercase;
    font-size: 0.85rem;
}

.btn-outline-white:hover {
    background: var(--aman-white);
    color: var(--aman-navy);
}

.btn-gold-outline {
    border: 1px solid var(--aman-gold-text);
    color: var(--aman-gold-text);
    padding: 10px 25px;
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
}
.btn-navy-dark{

    background:var(--aman-navy);

    color:#fff;

    border:2px solid var(--aman-navy);

    transition:.35s;

}

.btn-navy-dark:hover{

    transform:translateY(-3px);

    background:#0b1d36;

    color:#fff;

    box-shadow:0 12px 30px rgba(0,0,0,.18);

}

/* 8. CARDS DE SERVIÇOS */
/* ===================================================
   SERVIÇOS PREMIUM
=================================================== */

#servicos{
    background:#f8f8f8;
}
#servicos .container{
    max-width: 1400px;
}

#servicos .row{
    row-gap:32px;
}

/* CARD */

.service-card-premium{

    background:#fff;

    border-radius:22px;

    overflow:hidden;

    height:100%;

    display:flex;

    flex-direction:column;

    transition:.35s ease;

    box-shadow:0 12px 35px rgba(0,0,0,.05);

    border:1px solid rgba(0,0,0,.04);

}

.service-card-premium:hover{

    transform:translateY(-10px);

    box-shadow:0 30px 60px rgba(0,0,0,.12);

}

/* IMAGEM */

.service-image{

    width:100%;

    height:260px;

    object-fit:cover;

    display:block;

}

/* CONTEÚDO */

.service-body{

    padding:28px;

    display:flex;

    flex-direction:column;

    flex-grow:1;

}

/* TÍTULO */

.service-title{

    display:flex;

    align-items:center;

    gap:14px;

    font-family:var(--font-serif);

    font-size:1.65rem;

    margin-bottom:18px;

    color:var(--aman-navy);

}

/* ÍCONE */

.service-icon{

    color:var(--aman-gold-text);

    font-size:1.05rem;

    width:22px;

    text-align:center;

    flex-shrink:0;

}

/* TEXTO */

.service-body p{

    color:#6d6d6d;

    line-height:1.8;

    font-size:.98rem;

    margin:0;

}

/* ===================================================
   CTA
=================================================== */

.service-card-cta{

    background:linear-gradient(
        145deg,
        #071321,
        #0b1d31
    );

    color:#fff;

}

.service-card-cta .service-body{

    justify-content:center;

    padding:40px;

    height:100%;

}

/* ÍCONE */

.cta-icon{

    width:74px;

    height:74px;

    border-radius:50%;

    background:rgba(198,156,67,.15);

    display:flex;

    align-items:center;

    justify-content:center;

    margin-bottom:30px;

}

.cta-icon i{

    font-size:28px;

    color:var(--aman-gold);

}

/* TÍTULO */

.service-card-cta h3{

    font-family:var(--font-serif);

    font-size:2rem;

    color:#fff;

    margin-bottom:18px;

}

/* TEXTO */

.service-card-cta p{

    color:rgba(255,255,255,.78);

    line-height:1.9;

    margin-bottom:35px;

}

/* BOTÃO */

.service-card-cta .btn{

    align-self:flex-start;

}

/* ===================================================
   RESPONSIVO
=================================================== */

@media(max-width:991px){

    .service-image{

        height:230px;

    }

}

@media(max-width:768px){

    .service-image{

        height:220px;

    }

    .service-title{

        font-size:1.4rem;

    }

    .service-card-cta h3{

        font-size:1.7rem;

    }

}

/* 9. TRUST BAR & TIMELINE
================================================================ */
.trust-bar { border-bottom: 1px solid rgba(176, 141, 72, 0.3); }

.about-image-stack {
    position: relative;
    padding-right: 40px;
}
.rounded-premium{

    border-radius:24px;

}

.shadow-lg{

    box-shadow:

        0 25px 60px rgba(0,0,0,.12),

        0 12px 30px rgba(0,0,0,.08);

}
.about-image-stack img{

    transition:.6s ease;

    width:100%;

    display:block;

}

.about-image-stack .about-main-image {
    height: clamp(520px, 45vw, 640px);
    object-fit: cover;
    object-position: center;
}
.about-image-stack:hover img{

    transform:scale(1.03);

}

.experience-card {
    position: absolute;
    bottom: -30px;
    right: 0;
    background: var(--aman-white);
    padding: 30px;
    box-shadow: var(--shadow-premium);
    border-left: 4px solid var(--aman-gold);
}

/* 10. FORMULÁRIO E CONTATO
================================================================ */
.aman-form {
    background: rgba(255, 255, 255, 0.03);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.form-control, .form-select {
    background: transparent;
    border: none;
    border-bottom: 1px solid rgba(255,255,255,0.2);
    border-radius: 0;
    color: var(--aman-white) !important;
    padding: 15px 0;
}

.form-control:focus, .form-select:focus {
    background: transparent;
    box-shadow: none;
    border-color: var(--aman-gold);
}

.form-control::placeholder { color: rgba(255,255,255,0.4); }

.form-select option {
    color: var(--aman-navy);
    background: var(--aman-white);
}

.bg-white-opacity-10 {
    background: rgba(255,255,255,0.05);
}

/* 11. Biblioteca CARDS
================================================================ */
.blog-card {
    transition: var(--transition-premium);
    border: 1px solid var(--aman-grey-200);
}

.blog-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-premium);
}
.blog-card{

    transition:.35s;

    border-radius:18px;

}
.blog-card:hover{

    transform:translateY(-8px);

    box-shadow:var(--shadow-premium);

}

/* 12. RODAPÉ E EXTRAS
================================================================ */
.footer-nav a{

    color:rgba(255,255,255,.72);

    text-decoration:none;

    transition:.30s ease;

}

.footer-nav a:hover{

    color:var(--aman-gold)!important;

    padding-left:6px;

}

.divider-gold {
    transition: width 1s ease;
}
.feature-box{

    background:#fff;

    border-radius:22px;

    padding:48px 36px;

    height:100%;

    transition:.35s;

    border:1px solid rgba(0,0,0,.04);

    box-shadow:

        0 8px 22px rgba(0,0,0,.05);

}
.feature-box:hover{

    transform:translateY(-10px);

    box-shadow:

        0 18px 38px rgba(0,0,0,.08);

}
.icon-gold{

    color:var(--aman-gold-text);

    font-size:38px;

}
.feature-box h5{

    margin-top:18px;

    margin-bottom:14px;

    font-weight:700;

line-height:1.3;

}
.feature-box p{

    line-height:1.8;

    margin:0;

}
/* =====================================================
   COMPROMISSO
===================================================== */

.compromisso-section {
    position: relative;
    overflow: hidden;
}

.compromisso-section::before {
    content: "";
    position: absolute;
    top: -180px;
    right: -180px;
    width: 420px;
    height: 420px;
    border-radius: 50%;
    background: radial-gradient(
        rgba(184, 140, 36, 0.08),
        transparent 70%
    );
}

.compromisso-section h2 {
    margin-bottom: 28px;
}

.compromisso-section p {
    font-size: 1.08rem;
    line-height: 2;
    color: #666;
}
/* 13. RESPONSIVIDADE
================================================================ */
@media (max-width: 991px) {
    .nav-aman {
        background: var(--aman-navy);
        padding: 7px 0;
    }

    .nav-aman .container {
        position: relative;
        justify-content: center;
    }

    .nav-aman .logo-main,
    .nav-aman.scrolled .logo-main {
        width: 170px;
    }

    .nav-aman .navbar-brand {
        margin: 0;
    }

    .nav-aman .navbar-toggler {
        position: absolute;
        right: 12px;
        top: 50%;
        width: 46px;
        height: 46px;
        padding: 8px;
        border: 1px solid rgba(212, 175, 55, .65);
        border-radius: 6px;
        transform: translateY(-50%);
    }

    .nav-aman .navbar-toggler:focus {
        box-shadow: 0 0 0 3px rgba(212, 175, 55, .25);
    }

    .nav-aman .navbar-toggler-icon {
        background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath stroke='%23D4AF37' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2.2' d='M4 7h22M4 15h22M4 23h22'/%3E%3C/svg%3E");
    }

    .nav-aman .navbar-collapse {
        flex-basis: 100%;
        padding: 8px 0 12px;
        text-align: center;
    }

    .nav-aman .navbar-nav {
        align-items: center;
    }

    .nav-aman .nav-link {
        margin: 0;
        padding: 8px 0;
    }

    .nav-aman .navbar-collapse > .ms-lg-4 {
        text-align: center;
    }
    
    .section-padding { padding: 64px 0; }
    
    .display-1 { font-size: 3rem; }

    .hero-section {
        height: clamp(420px, 52vh, 460px);
        padding-top: 112px;
    }
}

@media (max-width: 767px) {
    .hero-section {
        height: auto;
        min-height: 480px;
        padding: 118px 0 32px;
    }

    .hero-section .display-1 {
        font-size: clamp(2.05rem, 10vw, 2.65rem);
    }

    .hero-section .lead {
        font-size: 1rem;
    }

    .about-image-stack .about-main-image {
        height: clamp(420px, 120vw, 520px);
    }
    
    .trust-bar .col-6 { border-bottom: 1px solid rgba(176,141,72,0.1); padding-bottom: 20px; }
    
    .about-image-stack { padding-right: 0; margin-bottom: 50px; }
    
    .experience-card { position: static; margin-top: 20px; }

}

/* 14. ANIMAÇÕES AOS CUSTOM (OPCIONAL)
================================================================ */
[data-aos="fade-up"] {
    transform: translateY(30px);
    opacity: 0;
    transition-property: transform, opacity;
}

[data-aos="fade-up"].aos-animate {
    transform: translateY(0);
    opacity: 1;
}

.hero-image{

    width:100%;

    height:100%;

    object-fit:cover;

    object-position:center;

    display:block;

}
/* =====================================================
   FAQ
===================================================== */

#faq .accordion{

    max-width:900px;

    margin:auto;

}
#faq .accordion-body{

    padding:28px;

    line-height:1.9;

}
.accordion-button{

    font-weight:600;

}

.accordion-button:hover{

    color:var(--aman-gold-text);

}
/* ==========================================
   SERVICE IMAGES
========================================== */

.service-image{

    width:100%;

    height:230px;

    display:block;

    object-fit:cover;

    object-position:center;

    border-radius:14px 14px 0 0;

    margin-bottom:24px;

    transition:transform .45s ease;

}

.service-card-premium{

    overflow:hidden;

}

.service-card-premium:hover .service-image{

    transform:scale(1.05);

}
/* ==========================================
   COPYRIGHT
========================================== */

footer .copyright-text {

    font-size: .82rem;

    white-space: nowrap;

}

@media (max-width:768px){

    footer .copyright-text{

        white-space: normal;

        font-size: .78rem;

    }

}
/* ==========================================
   PARCEIROS
========================================== */

.partners-section {
    padding-top: 56px;
    padding-bottom: 56px;
}

.partners-section .partners-title {
    max-width: 820px;
    color: var(--aman-navy);
    font-size: clamp(1.9rem, 3vw, 2.7rem);
    line-height: 1.2;
}

.partners-section .partners-title::after {
    content: "";
    display: block;
    width: 64px;
    height: 3px;
    margin: 16px auto 0;
    background: var(--aman-gold);
    border-radius: 999px;
}

.partners-section .partners-help {
    max-width: 680px;
    color: var(--aman-grey-800);
    font-size: clamp(1rem, 1.4vw, 1.15rem);
    font-weight: 500;
    line-height: 1.6;
}

.partners-section .partner-logo-wrapper {
    min-height: 104px;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 6px 10px;
}

.partners-section .partner-link {
    width: 100%;
    min-height: inherit;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--radius-premium);
}

.partners-section .partner-link:focus-visible {
    background: var(--aman-grey-100);
}

.partners-section .partner-logo {
    width: 100%;
    max-width: 300px;
    height: 104px;
    object-fit: contain;
    opacity: .78;
    filter: grayscale(100%);
    transition:
        transform .35s ease,
        opacity .35s ease,
        filter .35s ease;
}

.partners-section .partner-logo-wrapper:hover .partner-logo {
    opacity: 1;
    filter: grayscale(0%);
    transform: scale(1.08);
}

@media (max-width: 991px) {
    .partners-section .partner-logo-wrapper {
        min-height: 96px;
    }

    .partners-section .partner-logo {
        max-width: 240px;
        height: 90px;
    }
}

@media (max-width: 767px) {
    .partners-section {
        padding-top: 44px;
        padding-bottom: 44px;
    }

    .partners-section .partner-logo-wrapper {
        min-height: 80px;
        padding: 4px 6px;
    }

    .partners-section .partner-logo {
        max-width: 175px;
        height: 68px;
    }
}

@media (hover: none) {
    .partners-section .partner-logo {
        opacity: 1;
        filter: none;
    }
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
    }
}

/* ==========================================
   PÁGINAS DAS SEGURADORAS
========================================== */
.insurer-hero {
    position: relative;
    overflow: hidden;
    padding: 190px 0 64px;
    color: var(--aman-white);
    background:
        radial-gradient(circle at 80% 20%, rgba(176, 141, 72, .2), transparent 34%),
        linear-gradient(135deg, var(--aman-navy), var(--aman-navy-light));
}

.insurer-hero h1 {
    margin: .5rem 0 1rem;
    color: var(--aman-white);
    font-size: clamp(2.4rem, 5vw, 4rem);
}

.insurer-breadcrumb {
    margin-bottom: 2rem;
}

.insurer-breadcrumb a,
.insurer-breadcrumb .active,
.insurer-breadcrumb .breadcrumb-item::before {
    color: rgba(255, 255, 255, .72);
}

.insurer-logo-panel {
    min-height: 180px;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 24px;
    background: var(--aman-white);
    border-radius: var(--radius-premium);
    box-shadow: var(--shadow-premium);
    overflow: hidden;
}

.insurer-logo-panel img {
    width: 100%;
    max-width: 280px;
    height: 130px;
    object-fit: contain;
}

.insurer-logo-panel img[src*="sulamerica"] {
    transform: scale(1.45);
}

.insurer-logo-panel img[src*="tokio-marine"],
.insurer-logo-panel img[src*="yelum"] {
    transform: scale(1.12);
}

.insurer-contact-card,
.insurer-info-panel {
    padding: 28px;
    background: var(--aman-white);
    border: 1px solid var(--aman-grey-200);
    border-radius: var(--radius-premium);
    box-shadow: var(--shadow-premium);
}

.insurer-phone {
    display: block;
    margin: .7rem 0 .35rem;
    color: var(--aman-navy);
    font-family: var(--font-serif);
    font-size: clamp(1.3rem, 2vw, 1.75rem);
    font-weight: 700;
}

.insurer-contact-card p {
    margin: 0;
    color: var(--aman-text-muted);
    line-height: 1.55;
}

.insurer-updated {
    color: var(--aman-text-muted);
    font-size: .85rem;
}

.insurer-alert {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    margin-bottom: 32px;
    padding: 18px 20px;
    color: var(--aman-navy);
    background: rgba(176, 141, 72, .14);
    border-left: 4px solid var(--aman-gold);
    border-radius: 6px;
}

.insurer-alert p {
    margin: 0;
}

.insurer-checklist {
    display: grid;
    gap: 10px;
    margin: 1.25rem 0;
    padding: 0;
}

.insurer-checklist li {
    position: relative;
    padding-left: 28px;
}

.insurer-checklist li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: var(--aman-gold-text);
    font-weight: 700;
}

.insurer-action-panel {
    padding: 32px;
    color: var(--aman-white);
    background: var(--aman-navy);
    border-radius: var(--radius-premium);
}

.insurer-action-panel h2 {
    margin: .75rem 0 1rem;
    color: var(--aman-white);
}

.insurer-source-link {
    padding: 10px;
    color: rgba(255, 255, 255, .72);
    text-align: center;
    text-decoration: underline;
    text-underline-offset: 4px;
}

.insurer-source-link:hover {
    color: var(--aman-white);
}

/* ==========================================
   FORMULÁRIO DE COTAÇÃO
========================================== */
.quote-modal.is-open {
    display: block;
    overflow-x: hidden;
    overflow-y: auto;
    background: rgba(5, 10, 20, .62);
}

.quote-modal-open {
    overflow: hidden;
}

.quote-modal .modal-content {
    overflow: hidden;
    border: 0;
    border-radius: var(--radius-premium);
    box-shadow: 0 24px 70px rgba(5, 10, 20, .28);
}

.quote-modal .modal-header,
.quote-modal .modal-footer {
    padding: 22px 28px;
    border-color: var(--aman-grey-200);
}

.quote-modal .modal-body {
    padding: 26px 28px;
}

.quote-modal .modal-title {
    margin-top: 4px;
    color: var(--aman-navy);
}

.quote-modal .form-label {
    color: var(--aman-navy);
    font-size: .88rem;
    font-weight: 600;
}

.quote-modal .form-control,
.quote-modal .form-select {
    padding: 12px 14px;
    color: var(--aman-text) !important;
    background: var(--aman-white);
    border: 1px solid #ced4da;
    border-radius: 6px;
}

.quote-modal .form-control::placeholder {
    color: var(--aman-text-muted);
}

.quote-modal .form-control:focus,
.quote-modal .form-select:focus {
    background: var(--aman-white);
    border-color: var(--aman-gold);
    box-shadow: 0 0 0 3px rgba(176, 141, 72, .16);
}

.quote-modal .quote-privacy {
    line-height: 1.5;
}

/* ==========================================
   NAVEGAÇÃO DOS GUIAS
========================================== */
.article-toc {
    margin-bottom: 3.5rem;
    padding: 28px 30px;
    background: var(--aman-grey-100);
    border: 1px solid var(--aman-grey-200);
    border-left: 4px solid var(--aman-gold);
    border-radius: var(--radius-premium);
}

.article-toc h2 {
    margin: .35rem 0 1rem;
    color: var(--aman-navy);
}

.article-toc ol {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 8px 28px;
    margin: 0;
    padding-left: 1.25rem;
}

.article-toc a {
    color: var(--aman-text);
    text-decoration: underline;
    text-decoration-color: rgba(128, 99, 35, .45);
    text-underline-offset: 4px;
}

.article-toc a:hover {
    color: var(--aman-gold-text);
}

.reading-progress {
    position: fixed;
    top: 0;
    left: 0;
    z-index: 10001;
    width: 100%;
    height: 4px;
    pointer-events: none;
}

.reading-progress span {
    display: block;
    width: 0;
    height: 100%;
    background: var(--aman-gold-light);
}

.back-to-top {
    position: fixed;
    right: 22px;
    bottom: 22px;
    z-index: 1040;
    width: 48px;
    height: 48px;
    color: var(--aman-navy);
    background: var(--aman-gold-light);
    border: 0;
    border-radius: 50%;
    box-shadow: 0 10px 30px rgba(5, 10, 20, .22);
    opacity: 0;
    pointer-events: none;
    transform: translateY(12px);
    transition: opacity .25s ease, transform .25s ease;
}

.back-to-top.is-visible {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
}

@media (max-width: 991px) {
    .insurer-hero {
        padding-top: 150px;
    }

    .insurer-logo-panel {
        max-width: 420px;
    }
}

@media (max-width: 767px) {
    .insurer-hero {
        padding: 130px 0 48px;
    }

    .insurer-logo-panel {
        min-height: 140px;
        padding: 18px;
    }

    .insurer-logo-panel img {
        height: 96px;
    }

    .insurer-contact-card,
    .insurer-info-panel,
    .insurer-action-panel {
        padding: 22px;
    }

    .quote-modal .modal-header,
    .quote-modal .modal-body,
    .quote-modal .modal-footer {
        padding: 18px;
    }

    .article-toc {
        margin-bottom: 2.5rem;
        padding: 22px 20px;
    }

    .article-toc ol {
        grid-template-columns: 1fr;
    }

    .back-to-top {
        right: 14px;
        bottom: 14px;
    }
}

/* 18. PÁGINAS LEGAIS
================================================================ */
.legal-hero {
    padding: 190px 0 72px;
    background:
        radial-gradient(circle at 80% 20%, rgba(176, 141, 72, .18), transparent 32%),
        var(--aman-navy);
}

.legal-hero .lead {
    max-width: 760px;
}

.legal-content {
    max-width: 920px;
}

.legal-content section {
    padding-bottom: 2rem;
    margin-bottom: 2rem;
    border-bottom: 1px solid rgba(5, 10, 20, .1);
}

.legal-content section:last-child {
    border-bottom: 0;
}

.legal-content h2 {
    color: var(--aman-navy);
    margin-bottom: 1rem;
}

.legal-content h3 {
    color: var(--aman-navy);
    margin: 1.5rem 0 .75rem;
}

.legal-content li {
    margin-bottom: .6rem;
}

.legal-summary {
    border-left: 4px solid var(--aman-gold);
    background: rgba(176, 141, 72, .08);
    padding: 1.5rem;
}

@media (max-width: 767px) {
    .legal-hero {
        padding: 130px 0 52px;
    }
}