:root{--forest:#102a23;--forest-2:#173b31;--sage:#dfe9e2;--cream:#f7f4ed;--gold:#b88a44;--gold-light:#dfc28d;--ink:#1d2925;--muted:#65716c;--white:#fff;--line:#d9ddd8;--danger:#a23c37;--radius:18px;--shadow:0 24px 60px rgba(16,42,35,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;color:var(--ink);font-family:"DM Sans",sans-serif;line-height:1.6;background:var(--white)}a{color:inherit}img{max-width:100%}.container{width:min(1120px,calc(100% - 40px));margin:auto}.narrow{max-width:780px}.center{text-align:center}.skip-link{position:fixed;left:12px;top:-60px;background:#fff;padding:10px 16px;z-index:100;color:#000}.skip-link:focus{top:12px}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid rgba(16,42,35,.08)}.nav{height:76px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:11px;text-decoration:none}.brand-mark{display:grid;place-items:center;width:43px;height:43px;border-radius:50%;background:var(--forest);color:var(--gold-light);font-family:"Playfair Display",serif;font-weight:700}.brand strong,.brand small{display:block}.brand strong{letter-spacing:.12em;font-size:.9rem}.brand small{color:var(--muted);font-size:.68rem;letter-spacing:.03em}.nav-cta{font-weight:700;color:var(--forest);text-decoration:none;border-bottom:2px solid var(--gold);padding:5px 0}.hero{overflow:hidden;background:linear-gradient(115deg,var(--cream) 0 66%,var(--sage) 66%);position:relative}.hero:after{content:"";position:absolute;width:420px;height:420px;border:1px solid rgba(184,138,68,.25);border-radius:50%;right:-180px;top:-180px}.hero-grid{min-height:650px;display:grid;grid-template-columns:1.2fr .8fr;gap:80px;align-items:center;padding-top:70px;padding-bottom:70px;position:relative;z-index:1}.eyebrow{display:block;color:#8b672e;text-transform:uppercase;letter-spacing:.13em;font-size:.75rem;font-weight:700;margin-bottom:18px}.hero h1,.section h2,.credibility h2{font-family:"Playfair Display",serif;line-height:1.08;letter-spacing:-.02em;margin:0}.hero h1{font-size:clamp(2.8rem,5.5vw,5rem);max-width:780px;color:var(--forest)}.hero-lead{font-size:1.13rem;max-width:660px;color:#4d5d57;margin:28px 0}.hero-actions{display:flex;align-items:center;gap:28px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:7px;padding:15px 22px;font:700 .98rem "DM Sans",sans-serif;text-decoration:none;cursor:pointer;transition:transform .2s,background .2s,box-shadow .2s}.button:hover{transform:translateY(-2px)}.button-primary{background:var(--forest);color:#fff;box-shadow:0 10px 28px rgba(16,42,35,.18)}.button-primary:hover{background:var(--forest-2)}.text-link{font-weight:700;color:var(--forest);text-decoration:none}.trust-list{display:flex;gap:20px;flex-wrap:wrap;list-style:none;padding:0;margin:35px 0 0;color:var(--muted);font-size:.85rem}.trust-list li:before{content:"✓";color:#7c622f;font-weight:700;margin-right:6px}.hero-card{background:var(--forest);color:#fff;border-radius:3px;padding:50px 40px;box-shadow:var(--shadow);position:relative}.hero-card-accent{position:absolute;left:0;top:35px;width:4px;height:80px;background:var(--gold-light)}.card-kicker{color:var(--gold-light);letter-spacing:.14em;font-size:.7rem;font-weight:700}.hero-card h2{font:600 1.9rem/1.25 "Playfair Display",serif;margin:18px 0}.hero-card p{color:#ced9d4}.hero-card a{color:var(--gold-light);font-weight:700;text-decoration:none}.section{padding:100px 0}.section h2{font-size:clamp(2.2rem,4vw,3.5rem);color:var(--forest)}.intro .narrow>p{font-size:1.08rem;color:var(--muted);margin:25px auto 0}.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:58px}.benefit-card{padding:32px;border:1px solid var(--line);border-radius:var(--radius);transition:transform .2s,box-shadow .2s}.benefit-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.icon{display:grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--sage);color:var(--forest);font-weight:700;font-size:.78rem}.benefit-card h3{font:600 1.35rem "Playfair Display",serif;margin:24px 0 10px}.benefit-card p{color:var(--muted);margin:0}.split-section{background:var(--cream)}.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.editorial-panel{min-height:480px;background:var(--forest);color:#fff;display:flex;flex-direction:column;justify-content:end;padding:52px;position:relative;overflow:hidden}.editorial-panel:before,.editorial-panel:after{content:"";position:absolute;border-radius:50%;border:1px solid rgba(223,194,141,.35)}.editorial-panel:before{width:380px;height:380px;top:-100px;right:-100px}.editorial-panel:after{width:230px;height:230px;top:-25px;right:-25px}.editorial-panel span{color:var(--gold-light);text-transform:uppercase;letter-spacing:.14em;font-size:.8rem}.editorial-panel strong{font:600 clamp(2.3rem,4vw,4rem)/1.05 "Playfair Display",serif;max-width:400px;margin-top:10px}.split-copy>p{color:var(--muted);font-size:1.05rem}.check-list{list-style:none;padding:0;margin:30px 0 0}.check-list li{padding:14px 0 14px 32px;border-bottom:1px solid var(--line);position:relative}.check-list li:before{content:"";position:absolute;left:2px;top:23px;width:11px;height:6px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}.section-heading{display:grid;grid-template-columns:1fr .55fr;gap:60px;align-items:end}.section-heading p{color:var(--muted);margin:0}.steps{list-style:none;padding:0;margin:55px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:item}.steps li{padding:30px;border-top:2px solid var(--gold);background:#fafaf8}.steps li>span{font:600 2.2rem "Playfair Display",serif;color:#c5a774}.steps h3{font:600 1.3rem "Playfair Display",serif;margin:25px 0 8px}.steps p{color:var(--muted);margin:0}.credibility{background:var(--forest);color:#fff;padding:90px 0}.credibility-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.eyebrow-light{color:var(--gold-light)}.credibility h2{color:#fff;font-size:clamp(2.1rem,4vw,3.4rem)}.credibility-copy>p{color:#d3ded9;font-size:1.08rem}.credibility-points{display:flex;gap:10px;flex-wrap:wrap;margin-top:25px}.credibility-points span{border:1px solid rgba(255,255,255,.2);padding:8px 14px;border-radius:99px;font-size:.82rem}.form-section{background:var(--cream)}.form-grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:70px;align-items:start}.form-copy>p{color:var(--muted)}.contact-card{margin-top:35px;padding:24px;border-left:3px solid var(--gold);background:#fff}.contact-card small,.contact-card a{display:block}.contact-card small{color:var(--muted)}.contact-card a{font:600 1.5rem "Playfair Display",serif;color:var(--forest);text-decoration:none;margin-top:5px}.lead-form{display:grid;grid-template-columns:1fr 1fr;gap:20px;background:#fff;padding:36px;border-radius:var(--radius);box-shadow:var(--shadow)}.full{grid-column:1/-1}.form-row label{display:block;font-size:.84rem;font-weight:700;margin-bottom:7px}.form-row input,.form-row select{width:100%;min-height:50px;border:1px solid #cbd2ce;border-radius:7px;background:#fff;color:var(--ink);font:inherit;padding:11px 13px;outline:none}.form-row input:focus,.form-row select:focus{border-color:var(--forest);box-shadow:0 0 0 3px rgba(16,42,35,.1)}.form-row input.invalid,.form-row select.invalid{border-color:var(--danger)}.field-error{display:block;color:var(--danger);font-size:.78rem;min-height:18px;margin-top:3px}.consent{display:flex;align-items:flex-start;gap:10px}.consent input{margin-top:5px;accent-color:var(--forest)}.consent label{font-size:.8rem;color:var(--muted)}.submit-button{width:100%;min-height:54px}.form-note{font-size:.75rem;color:var(--muted);text-align:center;margin:0}.form-status{padding:0;text-align:center;font-weight:700}.form-status.success{color:#24613f;padding:10px}.honeypot{position:absolute;left:-9999px}.whatsapp-float{position:fixed;z-index:30;right:22px;bottom:22px;display:flex;align-items:center;gap:9px;background:#1fa855;color:#fff;text-decoration:none;font-weight:700;border-radius:99px;padding:12px 17px;box-shadow:0 10px 30px rgba(0,0,0,.22);transition:transform .2s}.whatsapp-float:hover{transform:translateY(-3px)}.whatsapp-float svg{width:25px;height:25px;fill:currentColor}footer{background:#091e18;color:#cbd7d2;padding:45px 0 30px}.footer-grid{display:flex;align-items:center;justify-content:space-between;gap:20px}.brand-footer .brand-mark{background:#fff;color:var(--forest)}.brand-footer strong{color:#fff}.footer-grid p,.footer-grid a{font-size:.82rem}.footer-grid a{text-decoration:none}.disclaimer{border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:24px;color:#899b94;font-size:.74rem;text-align:center}
@media(max-width:800px){.container{width:min(100% - 30px,1120px)}.nav{height:68px}.nav-cta{font-size:.8rem}.brand small{display:none}.hero{background:linear-gradient(180deg,var(--cream) 0 83%,var(--sage) 83%)}.hero-grid{grid-template-columns:1fr;gap:42px;padding-top:55px;padding-bottom:55px}.hero h1{font-size:clamp(2.55rem,12vw,4rem)}.hero-lead{font-size:1.02rem}.hero-card{padding:36px 28px}.section{padding:75px 0}.benefits-grid,.split-grid,.section-heading,.steps,.credibility-grid,.form-grid{grid-template-columns:1fr}.benefits-grid{gap:14px}.split-grid,.credibility-grid,.form-grid{gap:42px}.editorial-panel{min-height:360px;padding:35px}.section-heading{gap:18px}.steps{gap:14px;margin-top:35px}.lead-form{padding:24px;grid-template-columns:1fr}.form-row,.full{grid-column:1}.footer-grid{flex-direction:column;text-align:center}.whatsapp-float span{display:none}.whatsapp-float{padding:14px;right:15px;bottom:15px}.whatsapp-float svg{width:28px;height:28px}}
@media(max-width:430px){.nav-cta{font-size:0}.nav-cta:after{content:"Falar agora";font-size:.78rem}.hero-actions{align-items:flex-start;flex-direction:column;gap:16px}.trust-list{display:grid;gap:7px}.lead-form{margin-left:-4px;margin-right:-4px;padding:20px 17px}.contact-card a{font-size:1.3rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}

/* Modernização visual: seguridade familiar e empresarial */
.hero-modern{min-height:760px;background:linear-gradient(90deg,rgba(5,28,22,.96) 0%,rgba(5,28,22,.88) 40%,rgba(5,28,22,.24) 72%,rgba(5,28,22,.08) 100%),url("assets/familia-protegida.png") center/cover no-repeat;color:#fff}
.hero-modern:after{width:560px;height:560px;border-color:rgba(223,194,141,.28);right:-240px;top:-220px}
.hero-modern .hero-grid{min-height:760px;grid-template-columns:1.35fr .65fr;gap:60px}
.hero-modern .hero-copy{max-width:720px}.hero-modern h1{color:#fff;font-size:clamp(3.3rem,6.2vw,6.2rem);text-shadow:0 2px 24px rgba(0,0,0,.25)}
.hero-modern h1 span{color:var(--gold-light)}.hero-modern .hero-lead{color:#e0e9e5;max-width:620px;font-size:1.15rem}
.eyebrow-on-dark{color:var(--gold-light)}.button-accent{background:linear-gradient(135deg,#d9b578,#bb8739);color:#102a23;box-shadow:0 12px 32px rgba(184,138,68,.28)}.button-accent:hover{background:linear-gradient(135deg,#e4c894,#c89549)}
.button-ghost{color:#fff;border:1px solid rgba(255,255,255,.48);background:rgba(255,255,255,.08);backdrop-filter:blur(8px)}.button-ghost:hover{background:rgba(255,255,255,.15)}
.hero-modern .trust-list{color:#dce6e2}.hero-modern .trust-list li:before{color:var(--gold-light)}
.hero-proof{align-self:end;margin-bottom:25px;background:rgba(7,34,27,.72);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:28px;color:#fff;backdrop-filter:blur(15px);box-shadow:0 20px 50px rgba(0,0,0,.2)}
.proof-label{display:inline-block;color:var(--gold-light);text-transform:uppercase;letter-spacing:.14em;font-size:.7rem;font-weight:700}.hero-proof>strong{display:block;font:600 1.45rem "Playfair Display",serif;margin:10px 0 16px}.proof-items{display:flex;gap:7px;flex-wrap:wrap}.proof-items span{font-size:.75rem;border:1px solid rgba(255,255,255,.24);border-radius:99px;padding:6px 10px}.hero-proof a{display:block;color:var(--gold-light);font-weight:700;font-size:.85rem;text-decoration:none;margin-top:20px}
.protection-strip{position:relative;z-index:3;margin-top:-34px}.protection-grid{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-radius:16px;box-shadow:0 22px 55px rgba(16,42,35,.16);overflow:hidden}.protection-grid article{display:flex;align-items:center;gap:13px;padding:24px 20px;border-right:1px solid var(--line)}.protection-grid article:last-child{border:0}.protection-icon{display:grid;place-items:center;flex:0 0 41px;height:41px;border-radius:12px;background:var(--sage);color:var(--forest);font-size:1.15rem}.protection-grid strong,.protection-grid small{display:block}.protection-grid strong{font-size:.85rem}.protection-grid small{font-size:.7rem;color:var(--muted);margin-top:2px}
.benefit-card{position:relative;overflow:hidden}.benefit-card:after{content:"";position:absolute;width:90px;height:90px;border-radius:50%;background:var(--sage);right:-55px;bottom:-55px;transition:transform .3s}.benefit-card:hover:after{transform:scale(1.25)}
.family-panel{background:linear-gradient(0deg,rgba(7,34,27,.88),rgba(7,34,27,.02) 72%),url("assets/familia-protegida.png") center/cover no-repeat}.family-panel:before,.family-panel:after{display:none}.image-caption{position:relative;z-index:1;display:flex;flex-direction:column}.image-caption span{color:var(--gold-light);text-transform:uppercase;letter-spacing:.14em;font-size:.72rem}.image-caption strong{font:600 clamp(2rem,3.6vw,3.2rem)/1.08 "Playfair Display",serif;max-width:430px;margin-top:8px}
.business-banner{padding:90px 0;background:#071f19}.business-banner-inner{min-height:590px;border-radius:24px;overflow:hidden;background:linear-gradient(90deg,rgba(7,31,25,.04) 0%,rgba(7,31,25,.34) 38%,rgba(7,31,25,.94) 64%,rgba(7,31,25,.98) 100%),url("assets/sucessao-empresarial.png") center/cover no-repeat;display:flex;justify-content:flex-end;align-items:center;box-shadow:0 28px 70px rgba(0,0,0,.25)}
.business-copy{width:48%;padding:60px 58px;color:#fff}.business-copy h2{font:600 clamp(2.5rem,4vw,4rem)/1.06 "Playfair Display",serif;margin:0}.business-copy p{color:#cfdbd6;font-size:1.04rem}.business-copy ul{list-style:none;padding:0;margin:25px 0 30px}.business-copy li{padding:9px 0 9px 24px;position:relative}.business-copy li:before{content:"✓";position:absolute;left:0;color:var(--gold-light);font-weight:700}
@media(max-width:900px){.protection-grid{grid-template-columns:repeat(2,1fr)}.protection-grid article:nth-child(2){border-right:0}.protection-grid article:nth-child(-n+2){border-bottom:1px solid var(--line)}.business-copy{width:58%;padding:45px 35px}}
@media(max-width:800px){.hero-modern{min-height:810px;background:linear-gradient(180deg,rgba(5,28,22,.94) 0%,rgba(5,28,22,.84) 48%,rgba(5,28,22,.22) 100%),url("assets/familia-protegida.png") 62% center/cover no-repeat}.hero-modern .hero-grid{min-height:810px;grid-template-columns:1fr;align-content:center;gap:28px}.hero-modern h1{font-size:clamp(3rem,14.5vw,4.6rem)}.hero-modern .hero-lead{font-size:1rem}.hero-proof{justify-self:start;margin:0;max-width:350px}.protection-strip{margin-top:-24px}.family-panel{background-position:58% center}.business-banner{padding:65px 0}.business-banner-inner{min-height:680px;align-items:flex-end;background:linear-gradient(180deg,rgba(7,31,25,.02) 5%,rgba(7,31,25,.32) 42%,rgba(7,31,25,.96) 70%),url("assets/sucessao-empresarial.png") 35% center/cover no-repeat}.business-copy{width:100%;padding:38px 27px}}
@media(max-width:520px){.protection-grid{grid-template-columns:1fr}.protection-grid article,.protection-grid article:nth-child(2){border-right:0;border-bottom:1px solid var(--line)}.protection-grid article:last-child{border-bottom:0}.hero-modern{min-height:890px}.hero-modern .hero-grid{min-height:890px;padding-top:60px}.hero-modern .hero-actions{width:100%}.hero-modern .hero-actions .button{width:100%}.hero-proof{display:none}.business-copy h2{font-size:2.65rem}}