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

    :root {
      --navy:   #0B2A52;
      --navy2:  #0E3568;
      --gold:   #C99A3B;
      --gold2:  #E4B84D;
      --bg:     #F5F7FA;
      --white:  #FFFFFF;
      --text:   #1A2740;
      --mid:    #5A6A82;
      --light:  #E8EDF5;
      --radius: 14px;
    }

    html { scroll-behavior: smooth; }
    body { font-family: 'Sora', sans-serif; background: var(--white); color: var(--text); overflow-x: hidden; }

    /* ── NAV ── */
    nav {
      position: fixed; top: 0; left: 0; right: 0; z-index: 999;
      background: var(--white);
      border-bottom: 1.5px solid var(--light);
      display: flex; align-items: center; justify-content: space-between;
      padding: 0 5%;
      height: 68px;
      box-shadow: 0 2px 20px rgba(11,42,82,.07);
      transition: box-shadow .3s;
    }
    .nav-logo { display: flex; align-items: center; gap: 9px; text-decoration: none; }
    .nav-logo img { width: 34px; height: 34px; object-fit: contain; }
    .nav-logo-text { font-size: 1.35rem; font-weight: 800; color: var(--navy); letter-spacing: -.5px; }
    .nav-logo-text span { color: var(--gold); }
    .nav-links { display: flex; gap: 2.2rem; list-style: none; }
    .nav-links a { color: var(--mid); text-decoration: none; font-size: .82rem; font-weight: 600; letter-spacing: .4px; text-transform: uppercase; transition: color .2s; }
    .nav-links a:hover { color: var(--navy); }
    .nav-cta {
      background: var(--navy); color: var(--white);
      padding: .55rem 1.4rem; border-radius: 50px; border: none;
      font-family: 'Sora', sans-serif; font-size: .8rem; font-weight: 700;
      letter-spacing: .5px; text-transform: uppercase; cursor: pointer;
      text-decoration: none; display: inline-block;
      transition: background .2s, transform .15s;
    }
    .nav-cta:hover { background: var(--gold); transform: translateY(-1px); }
    .hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; }
    .hamburger span { width: 22px; height: 2px; background: var(--navy); border-radius: 2px; }

    /* ── CIDADES SOBREPOSTAS ── */
    body.overlay-open { overflow: hidden; }
    .cities-overlay { position: fixed; inset: 0; z-index: 1200; display: none; align-items: center; justify-content: center; padding: 1.5rem; }
    .cities-overlay.open { display: flex; }
    .cities-overlay-backdrop { position: absolute; inset: 0; background: rgba(5,20,40,.72); backdrop-filter: blur(5px); }
    .cities-overlay-panel {
      position: relative; z-index: 1; width: min(100%, 960px); max-height: min(86vh, 660px); overflow: hidden;
      display: grid; grid-template-columns: 250px 1fr; background: var(--white); border-radius: 22px;
      box-shadow: 0 35px 100px rgba(5,20,40,.42); animation: citiesPanelIn .28s ease both;
    }
    .cities-overlay-close {
      position: absolute; z-index: 3; top: 1rem; right: 1rem; width: 38px; height: 38px; border: 1px solid var(--light); border-radius: 50%;
      background: var(--white); color: var(--navy); font-size: 1.5rem; line-height: 1; cursor: pointer; transition: transform .2s;
    }
    .cities-overlay-close:hover { transform: rotate(90deg); }
    .cities-overlay-intro { position: relative; overflow: hidden; padding: 2.4rem 1.6rem; background: linear-gradient(155deg, var(--navy), #17487f); }
    .cities-overlay-intro::after { content: ''; position: absolute; width: 230px; height: 230px; right: -120px; bottom: -100px; border: 1px solid rgba(255,255,255,.12); border-radius: 50%; box-shadow: 0 0 0 35px rgba(255,255,255,.03), 0 0 0 70px rgba(255,255,255,.02); }
    .cities-overlay-pin { display: flex; width: 42px; height: 42px; align-items: center; justify-content: center; margin-bottom: 1.5rem; border-radius: 12px; background: var(--gold); color: var(--navy); font-size: 1.35rem; font-weight: 800; }
    .cities-overlay-intro .section-tag { color: var(--gold2); }
    .cities-overlay-intro h2 { color: var(--white); font-size: 1.5rem; line-height: 1.25; margin-bottom: .8rem; }
    .cities-overlay-intro p { color: rgba(255,255,255,.62); font-size: .83rem; line-height: 1.7; }
    .cities-overlay-count { position: absolute; z-index: 1; left: 1.6rem; bottom: 2rem; display: flex; align-items: center; gap: .6rem; }
    .cities-overlay-count strong { color: var(--gold2); font-size: 1.75rem; }
    .cities-overlay-count span { max-width: 90px; color: rgba(255,255,255,.58); font-size: .66rem; line-height: 1.4; text-transform: uppercase; letter-spacing: .8px; }
    .cities-overlay-content { padding: 2.4rem 2rem 2rem; overflow-y: auto; background: linear-gradient(180deg, #fff, #f8fafc); }
    .cities-search { display: flex; align-items: center; gap: .7rem; padding: 0 1rem; margin-right: 3rem; border: 1.5px solid var(--light); border-radius: 12px; background: var(--white); transition: border-color .2s, box-shadow .2s; }
    .cities-search:focus-within { border-color: var(--gold); box-shadow: 0 0 0 4px rgba(201,154,59,.12); }
    .cities-search span { color: var(--gold); font-size: 1.25rem; }
    .cities-search input { width: 100%; padding: .72rem 0; border: 0; outline: 0; font-family: inherit; font-size: .8rem; color: var(--navy); background: transparent; }
    .cities-search-empty { display: none; margin: 2rem 0; color: var(--mid); text-align: center; font-size: .82rem; }
    .cities-search-empty.visible { display: block; }
    .cities-overlay-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: .6rem; margin-top: 1.15rem; }
    .cities-overlay-grid a {
      display: grid; grid-template-columns: auto 1fr; gap: .15rem .55rem; align-items: center; padding: .75rem;
      border: 1px solid var(--light); border-radius: 12px; color: var(--navy); background: var(--white);
      text-decoration: none; box-shadow: 0 4px 12px rgba(11,42,82,.03); transition: border-color .2s, transform .2s, box-shadow .2s;
    }
    .cities-overlay-grid a[hidden] { display: none; }
    .cities-overlay-grid a > span { grid-row: 1 / 3; display: flex; align-items: center; justify-content: center; width: 27px; height: 27px; border-radius: 8px; color: var(--gold); background: rgba(201,154,59,.1); }
    .cities-overlay-grid strong { font-size: .68rem; line-height: 1.3; }
    .cities-overlay-grid small { color: var(--mid); font-size: .54rem; }
    .cities-overlay-grid a:hover { border-color: rgba(201,154,59,.65); transform: translateY(-3px); box-shadow: 0 9px 22px rgba(11,42,82,.09); }
    @keyframes citiesPanelIn { from { opacity: 0; transform: translateY(18px) scale(.98); } to { opacity: 1; transform: translateY(0) scale(1); } }

    /* ── HERO ── */
    .city-detail-overlay { position: fixed; inset: 0; z-index: 1300; display: none; align-items: center; justify-content: center; padding: 1.5rem; }
    .city-detail-overlay.open { display: flex; }
    .city-detail-backdrop { position: absolute; inset: 0; background: rgba(5,20,40,.8); backdrop-filter: blur(7px); }
    .city-detail-panel {
      position: relative; z-index: 1; width: min(100%, 1040px); max-height: 90vh; overflow-y: auto;
      border-radius: 22px; background: #f8fafc; box-shadow: 0 35px 100px rgba(5,20,40,.48);
      animation: citiesPanelIn .28s ease both;
    }
    .city-detail-close {
      position: absolute; z-index: 3; top: 1rem; right: 1rem; width: 38px; height: 38px;
      border: 1px solid rgba(255,255,255,.25); border-radius: 50%; background: rgba(255,255,255,.12);
      color: var(--white); font-size: 1.5rem; line-height: 1; cursor: pointer;
    }
    .city-detail-hero { padding: 2.5rem 4rem 2.25rem; color: var(--white); background: linear-gradient(135deg, var(--navy), #17487f); }
    .city-detail-hero .section-tag { color: var(--gold2); }
    .city-detail-hero h2 { max-width: 760px; margin: .55rem 0 .6rem; font-size: clamp(1.8rem, 4vw, 2.8rem); line-height: 1.15; }
    .city-detail-hero p { color: rgba(255,255,255,.7); }
    .city-detail-back { margin-bottom: 1.5rem; border: 0; color: rgba(255,255,255,.72); background: transparent; font-family: inherit; font-size: .72rem; cursor: pointer; }
    .city-detail-content { display: grid; gap: 2rem; padding: 2.5rem 4rem 3rem; }
    .city-detail-content section { padding: 0; }
    .city-detail-content h3 { margin: .4rem 0 1rem; color: var(--navy); font-size: 1.45rem; }
    .city-detail-content p { color: var(--mid); font-size: .82rem; line-height: 1.75; }
    .city-detail-intro { display: grid; gap: .7rem; }
    .city-detail-services { display: grid; grid-template-columns: repeat(3,1fr); gap: .8rem; }
    .city-detail-services div { padding: 1.15rem; border: 1px solid var(--light); border-radius: 12px; background: var(--white); }
    .city-detail-services strong { display: block; margin-bottom: .45rem; color: var(--navy); font-size: .8rem; }
    .city-detail-services p { font-size: .7rem; line-height: 1.6; }
    .city-detail-why ul { display: grid; grid-template-columns: repeat(2,1fr); gap: .65rem 1.5rem; list-style: none; }
    .city-detail-why li { position: relative; padding-left: 1.3rem; color: var(--mid); font-size: .76rem; }
    .city-detail-why li::before { content: '✓'; position: absolute; left: 0; color: var(--gold); font-weight: 800; }
    .city-detail-more { padding: 1.5rem !important; border-left: 3px solid var(--gold); border-radius: 0 12px 12px 0; background: var(--white); }
    .city-detail-more p + p { margin-top: .65rem; }
    .city-detail-cta { display: flex; align-items: center; justify-content: space-between; gap: 2rem; padding: 1.6rem !important; border-radius: 14px; background: var(--navy); }
    .city-detail-cta h3 { color: var(--white); }
    .city-detail-cta p { max-width: 620px; color: rgba(255,255,255,.62); }
    .city-detail-cta .btn-primary { flex: 0 0 auto; text-align: center; }

    #hero {
      min-height: 100vh;
      background: linear-gradient(140deg, var(--navy) 0%, var(--navy2) 60%, #1A4A8A 100%);
      display: flex; align-items: center;
      padding: 100px 5% 60px;
      position: relative; overflow: hidden;
    }
    #hero::before {
      content: ''; position: absolute; inset: 0;
      background: radial-gradient(ellipse 900px 600px at 70% 50%, rgba(201,154,59,.12), transparent 70%);
    }
    .hero-grid { display: grid; grid-template-columns: minmax(0, 650px) minmax(360px, 1fr); gap: 5rem; align-items: center; max-width: 1320px; margin: auto; padding-left: 2.5rem; width: 100%; position: relative; }
    .hero-grid > div:first-child { max-width: 650px; }
    .hero-badge {
      display: inline-flex; align-items: center; gap: 7px;
      background: rgba(201,154,59,.15); border: 1px solid rgba(201,154,59,.35);
      color: var(--gold2); padding: .35rem .9rem; border-radius: 50px;
      font-size: .72rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase;
      margin-bottom: 1.5rem;
      animation: fadeUp .6s ease both;
    }
    .hero-badge::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--gold2); }
    .hero-title {
      font-size: clamp(2.1rem, 3.8vw, 3.15rem); font-weight: 800;
      line-height: 1.12; color: var(--white); margin-bottom: 1.4rem;
      animation: fadeUp .6s .1s ease both;
    }
    .hero-title em { color: var(--gold2); font-style: normal; }
    .hero-subtitle {
      font-size: 1.05rem; font-weight: 400; line-height: 1.75;
      color: rgba(255,255,255,.7); margin-bottom: 2.2rem;
      animation: fadeUp .6s .2s ease both;
    }
    .hero-actions {
      display: flex; flex-direction: column; gap: .75rem;
      width: min(100%, 390px);
      animation: fadeUp .6s .3s ease both;
    }
    .hero-actions .btn-primary,
    .hero-actions .btn-outline { width: 100%; text-align: center; }
    .hero-actions .btn-primary { padding: 1rem 2rem; }
    .hero-video-card {
      position: relative; width: 100%; aspect-ratio: 16/9; overflow: visible;
      border: 1px solid rgba(255,255,255,.18); border-radius: 20px;
      background: rgba(255,255,255,.06); box-shadow: 0 20px 60px rgba(0,0,0,.18);
      animation: fadeUp .6s .35s ease both;
    }
    .hero-video { position: relative; z-index: 2; display: block; width: 100%; height: 100%; object-fit: cover; border-radius: 20px; }
    .hero-video-placeholder { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: .5rem; padding: 2rem; text-align: center; color: var(--white); }
    .hero-video-placeholder strong { font-size: 1.1rem; }
    .hero-video-placeholder span { color: rgba(255,255,255,.6); font-size: .78rem; }
    .btn-primary {
      background: var(--gold); color: var(--navy);
      padding: .85rem 2rem; border-radius: 50px; border: none;
      font-family: 'Sora', sans-serif; font-weight: 700; font-size: .9rem;
      letter-spacing: .3px; cursor: pointer; text-decoration: none; display: inline-block;
      transition: background .2s, transform .2s, box-shadow .2s;
    }
    .btn-primary:hover { background: var(--gold2); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(201,154,59,.4); }
    .btn-outline {
      background: transparent; color: var(--white);
      padding: .85rem 2rem; border-radius: 50px; border: 2px solid rgba(255,255,255,.35);
      font-family: 'Sora', sans-serif; font-weight: 600; font-size: .9rem;
      cursor: pointer; text-decoration: none; display: inline-block;
      transition: border-color .2s, background .2s;
    }
    .btn-outline:hover { border-color: var(--gold); background: rgba(201,154,59,.1); }

    /* Hero Cards Grid (substituindo o form) */
    .hero-cards-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 1rem;
      animation: fadeUp .6s .4s ease both;
    }
    .hero-seg-card {
      background: rgba(255,255,255,.07);
      border: 1.5px solid rgba(255,255,255,.14);
      border-radius: var(--radius);
      padding: 1.4rem 1.3rem;
      cursor: pointer;
      transition: background .3s, transform .3s, border-color .3s;
      position: relative; overflow: hidden;
    }
    .hero-seg-card::after {
      content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
      background: linear-gradient(90deg, var(--gold), transparent);
      transform: scaleX(0); transform-origin: left; transition: transform .3s;
    }
    .hero-seg-card:hover { background: rgba(255,255,255,.13); transform: translateY(-4px); border-color: rgba(201,154,59,.4); }
    .hero-seg-card:hover::after { transform: scaleX(1); }
    .hero-seg-num { font-size: .62rem; font-weight: 700; color: var(--gold2); letter-spacing: 2px; text-transform: uppercase; margin-bottom: .65rem; }
    .hero-seg-icon {
      width: 42px; height: 42px; border-radius: 11px;
      background: linear-gradient(135deg, var(--navy), var(--navy2));
      border: 1px solid rgba(255,255,255,.15);
      display: flex; align-items: center; justify-content: center; margin-bottom: 1rem;
    }
    .hero-seg-icon svg { width: 20px; height: 20px; stroke: var(--white); fill: none; stroke-width: 1.8; }
    .hero-seg-name { font-size: .88rem; font-weight: 700; color: var(--white); margin-bottom: .35rem; }
    .hero-seg-desc { font-size: .76rem; line-height: 1.55; color: rgba(255,255,255,.6); }

    /* ── CAROUSEL ── */
    .seguros-content { display: grid; grid-template-columns: minmax(0, 860px) minmax(640px, 760px); grid-template-areas: "carousel cadastro"; gap: 5rem; align-items: start; }
    .seg-carousel-wrapper { position: relative; overflow: hidden; width: 100%; display: flex; flex-direction: column; }
    .seg-carousel-wrapper { grid-area: carousel; }
    .seg-carousel {
      display: flex;
      gap: 1.2rem;
      transition: transform .5s cubic-bezier(.4,0,.2,1);
    }
    .seg-carousel .seg-card {
      flex: 0 0 calc((100% - 1.2rem) / 2);
      min-width: 0;
      flex-shrink: 0;
      min-height: 260px;
    }
    .seg-dots {
      display: flex; justify-content: center; flex-wrap: wrap; gap: .6rem;
      margin-top: 1.6rem;
    }
    .seg-dot {
      width: 8px; height: 8px; border-radius: 50%;
      background: var(--light); cursor: pointer;
      transition: background .3s, transform .3s;
    }
    .seg-dot.active { background: var(--gold); transform: scale(1.3); }
    .seg-cadastro { grid-area: cadastro; background: var(--white); border: 1.5px solid var(--light); border-radius: 18px; padding: 1.25rem 1.5rem; box-shadow: 0 8px 32px rgba(11,42,82,.08); }
    .seg-cadastro .section-tag { margin-bottom: .45rem; }
    .seg-cadastro h3 { color: var(--navy); font-size: 1.15rem; line-height: 1.25; margin-bottom: .35rem; }
    .seg-cadastro > p { color: var(--mid); font-size: .8rem; line-height: 1.45; margin-bottom: .75rem; }
    .seg-cadastro .form-group { gap: .3rem; margin-bottom: .65rem; }
    .seg-cadastro .form-group input,
    .seg-cadastro .form-group select { min-height: 40px; padding: .55rem .75rem; }
    .seg-cadastro .form-submit { padding: .7rem; margin-top: .2rem; }

    /* Stats */
    .hero-stats { display: flex; gap: 2rem; margin-top: 2.5rem; animation: fadeUp .6s .35s ease both; }
    .stat-item { text-align: left; }
    .stat-num { font-size: 1.8rem; font-weight: 800; color: var(--gold2); display: block; }
    .stat-lbl { font-size: .72rem; font-weight: 500; color: rgba(255,255,255,.6); letter-spacing: .5px; text-transform: uppercase; }

    /* ── SECTIONS COMMONS ── */
    section { padding: 90px 5%; }
    .section-tag { display: inline-block; color: var(--gold); font-size: .72rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; margin-bottom: .8rem; }
    .section-title { font-size: clamp(1.8rem, 3vw, 2.5rem); font-weight: 800; line-height: 1.18; color: var(--navy); margin-bottom: 1rem; }
    .section-title.light { color: var(--white); }
    .divider { width: 44px; height: 3px; background: linear-gradient(90deg, var(--gold), transparent); border-radius: 2px; margin: 1rem 0 1.5rem; }
    .section-body { font-size: .97rem; line-height: 1.8; color: var(--mid); max-width: 540px; }

    /* ── SEGUROS ── */
    #seguros { background: var(--bg); }
    .seguros-header { display: flex; justify-content: flex-start; align-items: flex-end; margin-bottom: 2.2rem; flex-wrap: wrap; gap: 1rem; }
    /* seguros-grid removed – now uses carousel */
    .seg-card {
      background: var(--white); border-radius: var(--radius); padding: 1.5rem 1.35rem;
      border: 1.5px solid var(--light); cursor: pointer;
      transition: transform .3s, box-shadow .3s, border-color .3s;
      position: relative; overflow: hidden;
    }
    .seg-card::after {
      content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
      background: linear-gradient(90deg, var(--gold), var(--navy));
      transform: scaleX(0); transform-origin: left; transition: transform .3s;
    }
    .seg-card:hover { transform: translateY(-6px); box-shadow: 0 14px 40px rgba(11,42,82,.12); border-color: transparent; }
    .seg-card:hover::after { transform: scaleX(1); }
    .seg-icon {
      width: 48px; height: 48px; border-radius: 12px;
      background: linear-gradient(135deg, var(--navy), var(--navy2));
      display: flex; align-items: center; justify-content: center; margin-bottom: 1.2rem;
      color: var(--white); font-size: .58rem; font-weight: 800; letter-spacing: .5px;
    }
    .seg-icon svg { width: 24px; height: 24px; stroke: var(--white); fill: none; stroke-width: 1.8; }
    .seg-num { font-size: .65rem; font-weight: 700; color: var(--gold); letter-spacing: 2px; text-transform: uppercase; margin-bottom: .8rem; }
    .seg-name { font-size: .97rem; font-weight: 700; color: var(--navy); margin-bottom: .4rem; }
    .seg-desc { font-size: .83rem; line-height: 1.6; color: var(--mid); }

    /* ── SOBRE ── */
    #sobre { background: var(--white); display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
    .sobre-card {
      background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
      border-radius: 20px; padding: 3rem; position: relative; overflow: hidden;
    }
    .sobre-card::before {
      content: ''; position: absolute; top: -50px; right: -50px;
      width: 220px; height: 220px; border-radius: 50%;
      background: rgba(201,154,59,.15);
    }
    .sobre-icon { margin-bottom: 1.5rem; }
    .sobre-icon img { width: 60px; height: 60px; object-fit: contain; }
    .sobre-quote {
      font-size: 1.1rem; font-weight: 600; line-height: 1.6;
      color: var(--white); font-style: italic;
      border-left: 3px solid var(--gold); padding-left: 1.2rem; position: relative;
    }
    .sobre-float {
      position: absolute; bottom: -20px; right: -20px;
      background: var(--gold); border-radius: 14px; padding: 1.2rem 1.6rem;
      box-shadow: 0 10px 32px rgba(201,154,59,.45);
    }
    .sobre-float-num { font-size: 1.8rem; font-weight: 800; color: var(--navy); display: block; }
    .sobre-float-lbl { font-size: .68rem; font-weight: 700; color: var(--navy); text-transform: uppercase; letter-spacing: .8px; }
    .about-lead { max-width: 600px; color: var(--navy); font-size: 1.05rem; font-weight: 700; line-height: 1.65; }

    /* ── VALORES ── */
    #valores { background: var(--bg); }
    .valores-header { text-align: center; margin-bottom: 3.5rem; }
    .valores-header .section-body { margin: auto; text-align: center; }
    .valores-header .divider { margin: 1rem auto 0; }
    .valores-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.4rem; }
    .valor-card {
      background: var(--white); border-radius: var(--radius); padding: 2rem 1.8rem;
      border: 1.5px solid var(--light); transition: transform .3s, box-shadow .3s;
    }
    .valor-card:hover { transform: translateY(-5px); box-shadow: 0 14px 40px rgba(11,42,82,.1); }
    .valor-icon { width: 44px; height: 44px; border-radius: 10px; background: rgba(11,42,82,.06); display: flex; align-items: center; justify-content: center; margin-bottom: 1.1rem; }
    .valor-icon svg { width: 22px; height: 22px; stroke: var(--navy); fill: none; stroke-width: 1.8; }
    .valor-name { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: .45rem; }
    .valor-desc { font-size: .85rem; line-height: 1.6; color: var(--mid); }

    /* ── AUTORIDADE E ESPECIALISTAS ── */
    #autoridade { background: linear-gradient(135deg, var(--navy), var(--navy2)); display: grid; grid-template-columns: 1.1fr 1fr; gap: 4rem; align-items: center; }
    .authority-copy p { color: rgba(255,255,255,.65); line-height: 1.8; max-width: 600px; }
    .authority-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
    .authority-grid div { padding: 1.5rem; border: 1px solid rgba(255,255,255,.14); border-radius: var(--radius); background: rgba(255,255,255,.06); }
    .authority-grid strong { display: block; color: var(--gold2); font-size: 1.5rem; margin-bottom: .35rem; }
    .authority-grid span { color: rgba(255,255,255,.65); font-size: .76rem; line-height: 1.5; }
    #especialistas { background: var(--white); }
    .especialistas-header { margin-bottom: 2rem; }
    .especialistas-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
    .especialista-card { padding: 2rem; border: 1.5px solid var(--light); border-radius: 18px; color: inherit; text-decoration: none; box-shadow: 0 8px 28px rgba(11,42,82,.06); transition: transform .25s, box-shadow .25s; }
    .especialista-card:hover { transform: translateY(-5px); box-shadow: 0 16px 40px rgba(11,42,82,.12); }
    .especialista-tag { color: var(--gold); font-size: .68rem; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase; }
    .especialista-card h3 { color: var(--navy); font-size: 1.15rem; line-height: 1.4; margin: .8rem 0 .55rem; }
    .especialista-card p { color: var(--mid); font-size: .85rem; line-height: 1.6; margin-bottom: 1rem; }
    .especialista-card strong { color: var(--navy); font-size: .8rem; }

    /* ── PÁGINAS DE CIDADES ── */
    .city-page { background: var(--bg); }
    .city-nav { position: static; }
    .city-hero { min-height: 62vh; padding: 110px 5% 80px; background: linear-gradient(140deg, var(--navy), var(--navy2)); display: flex; align-items: center; }
    .city-hero-content { width: min(100%, 900px); margin: auto; text-align: center; }
    .city-hero h1 { color: var(--white); font-size: clamp(2rem, 5vw, 4rem); line-height: 1.12; margin: .8rem 0 1.2rem; }
    .city-hero p { color: rgba(255,255,255,.7); line-height: 1.8; max-width: 680px; margin: 0 auto 2rem; }
    .city-list-section { padding: 75px 5%; text-align: center; }
    .city-grid { width: min(100%, 1100px); margin: 2rem auto 0; display: grid; grid-template-columns: repeat(4,1fr); gap: .8rem; }
    .city-link { padding: 1rem; background: var(--white); border: 1px solid var(--light); border-radius: 10px; color: var(--navy); text-decoration: none; font-size: .78rem; font-weight: 700; transition: transform .2s, border-color .2s; }
    .city-link:hover, .city-link.current { transform: translateY(-2px); border-color: var(--gold); color: var(--gold); }

    /* ── PÁGINAS MODERNAS DE CIDADES ── */
    .city-modern-page { min-height: 100vh; background: #eef3f8; }
    .city-modern-shell { display: grid; grid-template-columns: minmax(280px, 360px) 1fr; min-height: calc(100vh - 68px); padding-top: 68px; }
    .city-modern-aside {
      position: relative; overflow: hidden; display: flex; flex-direction: column; justify-content: center;
      padding: 4rem 3rem; background: linear-gradient(155deg, var(--navy), #17487f); color: var(--white);
    }
    .city-modern-aside::after {
      content: ''; position: absolute; width: 320px; height: 320px; right: -180px; bottom: -150px;
      border: 1px solid rgba(255,255,255,.12); border-radius: 50%;
      box-shadow: 0 0 0 55px rgba(255,255,255,.03), 0 0 0 110px rgba(255,255,255,.02);
    }
    .city-modern-pin { display: flex; width: 54px; height: 54px; align-items: center; justify-content: center; margin-bottom: 2rem; border-radius: 15px; background: var(--gold); color: var(--navy); font-size: 1.7rem; font-weight: 800; }
    .city-modern-aside .section-tag { color: var(--gold2); }
    .city-modern-aside h1 { position: relative; z-index: 1; font-size: clamp(2rem, 4vw, 3.5rem); line-height: 1.1; margin: .5rem 0 1rem; }
    .city-modern-aside p { position: relative; z-index: 1; color: rgba(255,255,255,.64); font-size: .88rem; line-height: 1.8; }
    .city-modern-actions { position: relative; z-index: 1; display: flex; flex-direction: column; gap: .7rem; margin-top: 2rem; }
    .city-modern-actions a { text-align: center; }
    .city-modern-content { padding: 3.5rem; overflow-y: auto; }
    .city-modern-header { display: flex; justify-content: space-between; align-items: flex-end; gap: 2rem; margin-bottom: 2rem; }
    .city-modern-header h2 { color: var(--navy); font-size: clamp(1.6rem, 3vw, 2.4rem); line-height: 1.2; }
    .city-modern-counter { min-width: 130px; padding: 1rem; border-radius: 14px; background: var(--white); box-shadow: 0 8px 24px rgba(11,42,82,.08); text-align: center; }
    .city-modern-counter strong { display: block; color: var(--gold); font-size: 1.6rem; }
    .city-modern-counter span { color: var(--mid); font-size: .62rem; text-transform: uppercase; letter-spacing: .7px; }
    .city-modern-search { display: flex; align-items: center; gap: .7rem; padding: 0 1rem; border: 1.5px solid var(--light); border-radius: 12px; background: var(--white); transition: border-color .2s, box-shadow .2s; }
    .city-modern-search:focus-within { border-color: var(--gold); box-shadow: 0 0 0 4px rgba(201,154,59,.12); }
    .city-modern-search span { color: var(--gold); font-size: 1.3rem; }
    .city-modern-search input { width: 100%; padding: .95rem 0; border: 0; outline: 0; background: transparent; color: var(--navy); font-family: inherit; font-size: .85rem; }
    .city-modern-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: .85rem; margin-top: 1.5rem; }
    .city-modern-grid a {
      display: grid; grid-template-columns: auto 1fr; gap: .2rem .7rem; align-items: center; padding: 1.1rem;
      border: 1px solid var(--light); border-radius: 14px; background: var(--white); color: var(--navy);
      text-decoration: none; box-shadow: 0 5px 15px rgba(11,42,82,.04); transition: transform .2s, border-color .2s, box-shadow .2s;
    }
    .city-modern-grid a[hidden] { display: none; }
    .city-modern-grid a.current { border-color: var(--gold); background: rgba(201,154,59,.08); }
    .city-modern-grid a > span { grid-row: 1 / 3; display: flex; align-items: center; justify-content: center; width: 32px; height: 32px; border-radius: 9px; background: rgba(201,154,59,.12); color: var(--gold); }
    .city-modern-grid strong { font-size: .76rem; line-height: 1.35; }
    .city-modern-grid small { color: var(--mid); font-size: .6rem; }
    .city-modern-grid a:hover { transform: translateY(-3px); border-color: rgba(201,154,59,.7); box-shadow: 0 10px 24px rgba(11,42,82,.1); }
    .city-modern-empty { display: none; padding: 2rem; color: var(--mid); text-align: center; font-size: .82rem; }
    .city-modern-empty.visible { display: block; }

    @media (max-width: 980px) {
      .city-modern-shell { grid-template-columns: 1fr; padding-top: 62px; }
      .city-modern-aside { min-height: auto; padding: 3.5rem 1.5rem; }
      .city-modern-content { padding: 2.5rem 1.5rem; }
      .city-modern-grid { grid-template-columns: repeat(2,1fr); }
    }
    @media (max-width: 520px) {
      .city-modern-header { align-items: flex-start; flex-direction: column; gap: 1rem; }
      .city-modern-counter { min-width: 110px; }
      .city-modern-grid { grid-template-columns: 1fr; }
      .city-modern-grid a { padding: .9rem; }
    }

    /* ── EQUIPE ── */
    #equipe { background: var(--navy); position: relative; overflow: hidden; }
    #equipe::before {
      content: ''; position: absolute; inset: 0; opacity: .04;
      background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='1'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    }
    .equipe-header { display: flex; justify-content: space-between; align-items: flex-end; margin-bottom: 3rem; flex-wrap: wrap; gap: 1rem; }
    .equipe-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; position: relative; }
    .equipe-card {
      background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);
      border-radius: var(--radius); overflow: hidden; transition: transform .3s, background .3s;
      text-align: center;
    }
    .equipe-card:hover { transform: translateY(-6px); background: rgba(201,154,59,.12); border-color: rgba(201,154,59,.4); }
    .equipe-foto {
      width: 100%; aspect-ratio: 1/1.1; object-fit: cover; object-position: center top;
      display: block; filter: grayscale(20%); transition: filter .3s;
    }
    .equipe-card:hover .equipe-foto { filter: grayscale(0%); }
    .equipe-info { padding: 1.2rem 1rem 1.4rem; }
    .equipe-nome { font-size: .95rem; font-weight: 700; color: var(--white); margin-bottom: .3rem; }
    .equipe-cargo { font-size: .75rem; font-weight: 500; color: var(--gold2); letter-spacing: .5px; text-transform: uppercase; }
    .equipe-whatsapp {
      display: inline-block;
      margin-top: .55rem;
      color: rgba(255,255,255,.52);
      font-size: .67rem;
      text-decoration: none;
      transition: color .2s;
    }
    .equipe-whatsapp:hover {
      color: var(--gold2);
      text-decoration: underline;
    }

    /* ── CTA ── */
    #cta {
      background: linear-gradient(135deg, var(--navy), var(--navy2));
      text-align: center; padding: 90px 5%; position: relative; overflow: hidden;
    }
    #cta::before {
      content: ''; position: absolute;
      width: 600px; height: 600px; border-radius: 50%;
      background: radial-gradient(circle, rgba(201,154,59,.18), transparent 65%);
      top: 50%; left: 50%; transform: translate(-50%,-50%);
    }
    .cta-content { position: relative; max-width: 680px; margin: auto; }
    .cta-title { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800; color: var(--white); margin-bottom: 1.1rem; line-height: 1.2; }
    .cta-title span { color: var(--gold2); }
    .cta-text { font-size: .97rem; color: rgba(255,255,255,.65); line-height: 1.75; margin-bottom: 2.5rem; }
    .cta-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

    /* ── CONTATO ── */
    #contato { background: var(--bg); display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
    .contato-items { margin-top: 2.5rem; display: flex; flex-direction: column; gap: 1.4rem; }
    .contato-item { display: flex; gap: 1rem; align-items: flex-start; }
    .contato-icon { width: 44px; height: 44px; flex-shrink: 0; background: var(--navy); border-radius: 10px; display: flex; align-items: center; justify-content: center; }
    .contato-icon svg { width: 20px; height: 20px; stroke: var(--gold); fill: none; stroke-width: 1.8; }
    .contato-lbl { font-size: .68rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--gold); margin-bottom: .2rem; }
    .contato-val { font-size: .9rem; font-weight: 600; color: var(--navy); }
    .contato-val a { color: inherit; text-decoration: none; }
    .contato-val a:hover { color: var(--gold); }
    .contato-form { background: var(--white); border-radius: 18px; padding: 2.5rem; box-shadow: 0 4px 32px rgba(11,42,82,.08); }
    .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
    .form-group { display: flex; flex-direction: column; gap: .45rem; margin-bottom: 1rem; }
    .form-group label { font-size: .75rem; font-weight: 700; color: var(--navy); letter-spacing: .35px; }
    .form-group input,
    .form-group select {
      width: 100%;
      min-height: 46px;
      padding: .72rem .85rem;
      border: 1.5px solid var(--light);
      border-radius: 9px;
      background: var(--white);
      color: var(--text);
      font-family: 'Sora', sans-serif;
      font-size: .84rem;
      outline: none;
      transition: border-color .2s, box-shadow .2s;
    }
    .form-group input::placeholder { color: #98A4B6; }
    .form-group input:focus,
    .form-group select:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,154,59,.14); }
    .form-submit { width: 100%; background: var(--navy); color: var(--white); padding: .9rem; border: none; border-radius: 10px; font-family: 'Sora', sans-serif; font-weight: 700; font-size: .9rem; cursor: pointer; transition: background .2s, transform .15s; margin-top: .5rem; }
    .form-submit:hover { background: var(--gold); color: var(--navy); transform: translateY(-1px); }

    /* ── FOOTER ── */
    footer { background: #081B36; padding: 60px 5% 30px; }
    footer .nav-logo-text { color: var(--white); }
    .footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 3rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,.08); margin-bottom: 2rem; }
    .footer-desc { font-size: .84rem; line-height: 1.7; color: rgba(255,255,255,.4); margin-top: .9rem; }
    .footer-col h4 { font-size: .75rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gold); margin-bottom: 1.1rem; }
    .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: .6rem; }
    .footer-col ul a { color: rgba(255,255,255,.45); text-decoration: none; font-size: .83rem; transition: color .2s; }
    .footer-col ul a:hover { color: var(--white); }
    .footer-bottom { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem; }
    .footer-copy { font-size: .76rem; color: rgba(255,255,255,.28); }
    .footer-by { font-size: .76rem; color: rgba(255,255,255,.28); }
    .footer-by a { color: var(--gold); text-decoration: none; }

    /* ── ANIMATIONS ── */
    @keyframes fadeUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
    .reveal { opacity: 0; transform: translateY(28px); transition: opacity .6s ease, transform .6s ease; }
    .reveal.visible { opacity: 1; transform: translateY(0); }

    /* ── RESPONSIVE ── */
    @media (max-width: 1024px) {
      .hero-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; padding-left: 0; }
      .seguros-content { grid-template-columns: 1fr; grid-template-areas: "carousel" "cadastro"; }
      .seg-cadastro { max-width: none; }
      .seg-carousel .seg-card { flex-basis: calc((100% - 1.2rem) / 2); }
      #sobre, #contato { gap: 3rem; }
      .seguros-grid { grid-template-columns: repeat(2,1fr); }
      .valores-grid { grid-template-columns: repeat(2,1fr); }
      .equipe-grid { grid-template-columns: repeat(2,1fr); }
      .footer-top { grid-template-columns: 1fr 1fr; }
    }
    @media (max-width: 768px) {
      nav { height: 62px; padding: 0 1rem; }
      .nav-links, .nav-cta { display: none; }
      .nav-links.open { display: flex; position: absolute; top: 62px; left: 0; right: 0; padding: 1rem; background: var(--white); flex-direction: column; gap: 1rem; box-shadow: 0 12px 25px rgba(11,42,82,.12); }
      .hamburger { display: flex; }
      #hero { min-height: auto; padding: 105px 1.2rem 65px; }
      .hero-grid { grid-template-columns: 1fr; gap: 2.5rem; padding-left: 0; }
      .hero-video-card { max-width: 650px; }
      .hero-title { font-size: clamp(2rem, 10vw, 2.75rem); }
      .hero-subtitle { font-size: .95rem; line-height: 1.65; margin-bottom: 1.7rem; }
      .hero-actions { width: 100%; }
      .hero-actions .btn-primary, .hero-actions .btn-outline { padding: .9rem 1.2rem; }
      section, #cta { padding: 65px 1.2rem; }
      .section-title { font-size: clamp(1.7rem, 8vw, 2.25rem); }
      #sobre, #contato { grid-template-columns: 1fr; gap: 3rem; }
      .seguros-content { gap: 1.5rem; }
      .seg-carousel .seg-card { flex-basis: 100%; }
      .seg-card { padding: 1.4rem 1.2rem; min-height: 230px; }
      .seg-cadastro { padding: 1.4rem; }
      .form-row { grid-template-columns: 1fr; gap: 0; }
      .contato-form { padding: 1.6rem; }
      .sobre-float { position: relative; bottom: auto; right: auto; margin-top: 1.5rem; display: inline-block; }
      .sobre-card { padding: 2rem 1.5rem; }
      .seguros-grid { grid-template-columns: 1fr; }
      .valores-grid { grid-template-columns: 1fr; }
      #autoridade, .especialistas-grid { grid-template-columns: 1fr; gap: 1.5rem; }
      .authority-grid { grid-template-columns: 1fr 1fr; }
      .city-grid { grid-template-columns: repeat(2,1fr); }
      .cities-overlay { padding: .75rem; }
      .cities-overlay-panel { grid-template-columns: 1fr; max-height: 94vh; border-radius: 18px; overflow-y: auto; }
      .cities-overlay-intro { padding: 2rem 1.25rem 1.5rem; }
      .cities-overlay-intro h2 { max-width: 85%; font-size: 1.35rem; }
      .cities-overlay-pin, .cities-overlay-count { display: none; }
      .cities-overlay-content { overflow: visible; padding: 1.25rem; }
      .cities-search { margin-right: 0; }
      .cities-overlay-grid { grid-template-columns: repeat(2,1fr); gap: .55rem; }
      .cities-overlay-grid a { padding: .8rem; grid-template-columns: 1fr; text-align: center; }
      .cities-overlay-grid a > span, .cities-overlay-grid small { display: none; }
      .city-detail-overlay { padding: .75rem; }
      .city-detail-panel { max-height: 94vh; border-radius: 18px; }
      .city-detail-hero, .city-detail-content { padding-left: 1.25rem; padding-right: 1.25rem; }
      .city-detail-services, .city-detail-why ul { grid-template-columns: 1fr; }
      .city-detail-cta { align-items: stretch; flex-direction: column; }
      .city-detail-cta .btn-primary { width: 100%; }
      .equipe-grid { grid-template-columns: repeat(2,1fr); }
      .footer-top { grid-template-columns: 1fr; gap: 2rem; }
      footer { padding: 45px 1.2rem 25px; }
      .hero-stats { gap: 1.5rem; flex-wrap: wrap; }
      .cta-actions { flex-direction: column; }
      .cta-actions a { width: 100%; }
      .cta-actions .btn-outline { display: flex; align-items: center; justify-content: center; text-align: center; }
      .cta-actions .btn-outline span { width: 100%; justify-content: center; }
    }
    @media (max-width: 480px) {
      .nav-logo-text { font-size: 1.15rem; }
      .hero-badge { font-size: .62rem; letter-spacing: .7px; }
      .hero-title { font-size: clamp(1.9rem, 11vw, 2.35rem); }
      .hero-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: .7rem; }
      .stat-num { font-size: 1.35rem; }
      .stat-lbl { font-size: .58rem; line-height: 1.4; }
      .seg-dots { margin-top: 1.1rem; }
      .equipe-grid { grid-template-columns: 1fr; }
      .contato-item { gap: .75rem; }
      .contato-val { font-size: .8rem; overflow-wrap: anywhere; }
      .contato-form, .seg-cadastro { padding: 1.25rem; border-radius: 14px; }
      .form-group input, .form-group select { font-size: 16px; }
      .footer-bottom { align-items: flex-start; flex-direction: column; }
    }
    @media (max-width: 360px) {
      #hero, section, #cta { padding-left: 1rem; padding-right: 1rem; }
      .hero-stats { grid-template-columns: 1fr; }
      .stat-item { display: flex; align-items: center; gap: .6rem; }
      .seg-card { min-height: 270px; }
    }