/* Simula Invest — design system leve. Sem framework, sem fontes externas. */
:root{
  --bg:#f5f7fa;--surface:#fff;--surface-2:#f0f4f8;--ink:#0f172a;--muted:#546074;--line:#e2e8f0;
  --brand:#047857;--brand-hover:#065f46;--brand-ink:#fff;--brand-soft:#e5f6ee;
  --link:#0b5bd3;--inv:#4f7cf0;--int:#10b981;--warn-bg:#fff7e6;--warn-ink:#7a4b00;--danger:#b42318;
  --radius:14px;--radius-sm:10px;--shadow:0 1px 2px rgba(15,23,42,.05),0 8px 24px rgba(15,23,42,.06);
  --font:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --max:1140px;color-scheme:light;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:400 1rem/1.6 var(--font);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto}
a{color:var(--link);text-underline-offset:2px}
a:hover{text-decoration-thickness:2px}
h1,h2,h3,h4{line-height:1.2;margin:0 0 .5em;letter-spacing:-.015em;text-wrap:balance}
h1{font-size:clamp(1.75rem,1.2rem + 2.4vw,2.6rem);font-weight:800}
h2{font-size:clamp(1.3rem,1.1rem + 1vw,1.7rem);font-weight:750}
h3{font-size:1.1rem;font-weight:700}
p{margin:0 0 1em}
:focus-visible{outline:3px solid color-mix(in srgb,var(--link) 70%,transparent);outline-offset:2px;border-radius:6px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--brand);color:var(--brand-ink);padding:.6rem 1rem;border-radius:8px;z-index:100}
.skip:focus{left:8px}
.container{width:100%;max-width:var(--max);margin-inline:auto;padding-inline:16px}
.narrow{max-width:780px}
.muted{color:var(--muted)}
.icon{width:1.25em;height:1.25em;flex:none;vertical-align:-.2em}

/* Header */
.site-header{position:sticky;top:0;z-index:40;background:color-mix(in srgb,var(--surface) 88%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.site-header .bar{display:flex;align-items:center;gap:20px;min-height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.15rem;color:var(--ink);text-decoration:none;letter-spacing:-.02em}
.logo-mark{width:34px;height:34px;border-radius:10px;background:var(--brand);color:var(--brand-ink);display:grid;place-items:center}
.logo-si{display:none}
/* Páginas de funil, no celular: ícone + "SI" discreto, sem o nome por extenso */
@media (max-width:640px){
  .is-funnel .logo-name{display:none}
  .is-funnel .logo-si{display:inline;font-size:1.1rem;font-weight:800;letter-spacing:.04em;color:var(--ink)}
}
.nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.nav a,.nav summary{color:var(--ink);text-decoration:none;padding:.5rem .8rem;border-radius:10px;font-weight:600;font-size:.95rem;cursor:pointer;list-style:none}
.nav a:hover,.nav summary:hover,.nav a[aria-current]{background:var(--surface-2)}
.nav summary::-webkit-details-marker{display:none}
.nav summary::after{content:"";display:inline-block;width:.4em;height:.4em;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);margin-left:.5em}
.dd{position:relative}
.dd-menu{position:absolute;right:0;top:calc(100% + 8px);min-width:300px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:8px;display:grid}
.dd-menu a{display:flex;gap:10px;align-items:center;font-weight:600}
.menu-btn{display:none}
@media (max-width:820px){
  .menu-btn{display:grid;margin-left:auto;width:42px;height:42px;place-items:center;border:1px solid var(--line);background:var(--surface);border-radius:10px;cursor:pointer;color:var(--ink)}
  .nav{display:none;position:absolute;left:0;right:0;top:64px;background:var(--surface);border-bottom:1px solid var(--line);padding:10px 16px 16px;flex-direction:column;align-items:stretch;margin:0}
  #menu-toggle:checked ~ .nav{display:flex}
  .dd-menu{position:static;box-shadow:none;border:0;padding:0 0 0 8px;min-width:0}
  .site-header .bar{position:relative}
}
#menu-toggle{position:absolute;opacity:0;pointer-events:none}

/* Botões e formulários */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;border:0;border-radius:12px;padding:.8rem 1.25rem;font:700 1rem var(--font);background:var(--brand);color:var(--brand-ink);cursor:pointer;text-decoration:none;transition:background .15s,transform .05s}
.btn:hover{background:var(--brand-hover);color:var(--brand-ink)}
.btn:active{transform:translateY(1px)}
.btn-ghost{background:transparent;color:var(--ink);border:1px solid var(--line)}
.btn-ghost:hover{background:var(--surface-2);color:var(--ink)}
.btn-lg{padding:1rem 1.6rem;font-size:1.05rem}
.btn-block{width:100%}
.field{margin-bottom:14px}
.field label{display:block;font-weight:650;font-size:.92rem;margin-bottom:6px}
.field .hint{display:block;color:var(--muted);font-size:.8rem;margin-top:4px}
.input,.select{width:100%;padding:.72rem .85rem;border:1.5px solid var(--line);border-radius:var(--radius-sm);background:var(--surface);color:var(--ink);font:500 1rem var(--font);min-height:46px;transition:border-color .15s,box-shadow .15s}
.input:hover,.select:hover{border-color:color-mix(in srgb,var(--ink) 25%,var(--line))}
.input:focus,.select:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px color-mix(in srgb,var(--brand) 18%,transparent)}
.affix{display:flex;align-items:stretch}
.affix .pre{display:grid;place-items:center;padding:0 .85rem;border:1.5px solid var(--line);border-right:0;border-radius:var(--radius-sm) 0 0 var(--radius-sm);background:var(--surface-2);color:var(--muted);font-weight:700}
.affix .input{border-radius:0 var(--radius-sm) var(--radius-sm) 0}
.affix.has-post .input{border-radius:var(--radius-sm) 0 0 var(--radius-sm)}
.affix .post{display:grid;place-items:center;padding:0 .85rem;border:1.5px solid var(--line);border-left:0;border-radius:0 var(--radius-sm) var(--radius-sm) 0;background:var(--surface-2);color:var(--muted);font-weight:700;font-size:.85rem;white-space:nowrap}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.row2.term{grid-template-columns:1fr 1.1fr}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;cursor:pointer}
.check input{width:20px;height:20px;margin-top:2px;accent-color:var(--brand)}
details.adv{border:1px dashed var(--line);border-radius:var(--radius-sm);padding:10px 12px;margin-bottom:14px}
details.adv summary{cursor:pointer;font-weight:650;font-size:.92rem}
details.adv[open] summary{margin-bottom:12px}

/* Hero e ferramenta */
.hero{padding:clamp(28px,5vw,56px) 0 20px}
.hero p.lead{font-size:1.1rem;color:var(--muted);max-width:62ch}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:.82rem;color:var(--brand);background:var(--brand-soft);padding:.3rem .7rem;border-radius:99px;margin-bottom:12px}
.tool{display:grid;grid-template-columns:minmax(300px,380px) 1fr;gap:20px;align-items:start;margin-bottom:24px}
.tool>*{min-width:0}
@media (max-width:900px){.tool{grid-template-columns:minmax(0,1fr)}}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:clamp(16px,3vw,24px)}
.panel h2,.panel h3{margin-bottom:.8em}
#resultado{min-height:200px;transition:opacity .15s}
#resultado.loading{opacity:.55}
.rates{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0 0}
.rate{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:.5rem .85rem;font-size:.85rem;color:var(--muted)}
.rate b{display:block;color:var(--ink);font-size:1.05rem}
.rates-after{margin:22px 0 4px}
.rates-after h2{font-size:1.05rem;margin:0 0 .2em}
.rates-after .rates{margin-top:8px}
.rates-after p.muted{font-size:.82rem;margin:10px 0 0}

/* Resultados */
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-bottom:18px}
.kpi{background:var(--surface-2);border-radius:12px;padding:12px 14px}
.kpi .l{font-size:.78rem;color:var(--muted);font-weight:650;text-transform:uppercase;letter-spacing:.04em}
.kpi .v{font-size:1.25rem;font-weight:800;letter-spacing:-.02em;word-break:break-word}
.kpi.main{grid-column:1/-1;background:var(--brand);color:var(--brand-ink)}
.kpi.main .l{color:inherit;opacity:.85}
.kpi.main .v{font-size:clamp(1.8rem,1.2rem + 3vw,2.6rem)}
.kpi .s{font-size:.82rem;opacity:.85}
.legend{display:flex;gap:16px;flex-wrap:wrap;font-size:.85rem;color:var(--muted);margin:6px 0 4px}
.legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.chart{width:100%;height:auto;display:block}
.chart .grid{stroke:var(--line);stroke-width:1}
.chart .axis{fill:var(--muted);font:11px var(--font)}
.chart .c-inv{fill:var(--inv)}
.chart .c-int{fill:var(--int)}
.chart g:hover rect{opacity:.8}
.table-wrap{overflow-x:auto;margin:1em 0;border:1px solid var(--line);border-radius:12px;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:.92rem;font-variant-numeric:tabular-nums}
th,td{padding:.6rem .8rem;text-align:left;border-bottom:1px solid var(--line);white-space:nowrap}
th{background:var(--surface-2);font-size:.78rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
td.num,th.num{text-align:right}
tbody tr:last-child td{border-bottom:0}
tr.hl td{background:var(--brand-soft);font-weight:700}
.note{background:var(--surface-2);border-left:4px solid var(--brand);border-radius:0 10px 10px 0;padding:.8rem 1rem;font-size:.92rem;margin:1em 0}
.note.warn{background:var(--warn-bg);border-color:#e0a100;color:var(--warn-ink)}
.error{color:var(--danger);font-weight:600}
.ranking{list-style:none;padding:0;margin:0 0 16px;display:grid;gap:10px}
.rank{display:grid;grid-template-columns:28px 1fr auto;gap:4px 12px;align-items:center}
.rank .pos{width:28px;height:28px;border-radius:50%;background:var(--surface-2);display:grid;place-items:center;font-weight:800;font-size:.85rem}
.rank.best .pos{background:var(--brand);color:var(--brand-ink)}
.rank .name{font-weight:700}
.rank .name small{display:block;font-weight:500;color:var(--muted);font-size:.8rem}
.rank .val{font-weight:800;font-variant-numeric:tabular-nums;text-align:right}
.rank .bar{display:block;grid-column:2/4;height:8px;border-radius:99px;background:var(--surface-2);overflow:hidden}
.rank .bar i{display:block;height:100%;border-radius:99px;background:var(--inv)}
.rank.best .bar i{background:var(--int)}
.badge{display:inline-block;font-size:.72rem;font-weight:800;padding:.15rem .5rem;border-radius:99px;background:var(--brand-soft);color:var(--brand);vertical-align:2px}
.share{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.disclaimer{font-size:.8rem;color:var(--muted);margin-top:14px}

/* Cards e grids */
.section{padding:clamp(28px,5vw,52px) 0}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:16px;margin-bottom:20px;flex-wrap:wrap}
.section-head h2{margin:0}
.grid{display:grid;gap:16px}
.g2{grid-template-columns:repeat(auto-fill,minmax(min(100%,320px),1fr))}
.g3{grid-template-columns:repeat(auto-fill,minmax(min(100%,260px),1fr))}
.g4{grid-template-columns:repeat(auto-fill,minmax(min(100%,230px),1fr))}
.card{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s,border-color .15s}
a.card:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:color-mix(in srgb,var(--brand) 40%,var(--line))}
.card h3{margin:.6em 0 .3em}
.card p{color:var(--muted);font-size:.93rem;margin:0}
.card .more{margin-top:auto;padding-top:12px;font-weight:700;color:var(--brand);font-size:.92rem}
.ico{width:46px;height:46px;border-radius:12px;background:var(--brand-soft);color:var(--brand);display:grid;place-items:center}
.ico .icon{width:24px;height:24px}
.post-card .meta{font-size:.8rem;color:var(--muted);display:flex;gap:10px;flex-wrap:wrap}
.tag{font-weight:700;color:var(--brand)}
.pills{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:20px}
.pill{padding:.45rem .9rem;border-radius:99px;border:1px solid var(--line);background:var(--surface);color:var(--ink);text-decoration:none;font-weight:600;font-size:.9rem}
.pill:hover,.pill[aria-current]{background:var(--brand);color:var(--brand-ink);border-color:var(--brand)}

/* Artigos / texto longo */
.breadcrumb ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;padding:0;margin:18px 0 0;font-size:.85rem;color:var(--muted)}
.breadcrumb li+li::before{content:"/";margin-right:6px;opacity:.6}
.breadcrumb a{color:inherit}
.article-head{padding:20px 0 8px}
.byline{color:var(--muted);font-size:.9rem;display:flex;gap:14px;flex-wrap:wrap}
.layout-art{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:32px;align-items:start}
@media (max-width:980px){.layout-art{grid-template-columns:minmax(0,1fr)}.aside-stack .toc{display:none}}
@media (min-width:981px){.toc-inline{display:none}}
.prose{font-size:1.06rem;line-height:1.75}
.prose h2{margin-top:1.8em;padding-top:.2em}
.prose h3{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.1em}
.prose li{margin-bottom:.4em}
.prose blockquote{margin:1.3em 0;padding:.9rem 1.1rem;border-left:4px solid var(--brand);background:var(--brand-soft);border-radius:0 12px 12px 0}
.prose blockquote p:last-child{margin:0}
.prose img{border-radius:12px}
.prose h2[id],.prose h3[id]{scroll-margin-top:84px}
.toc{position:sticky;top:84px}
.toc ol{margin:0;padding-left:1.1em;font-size:.92rem}
.toc li{margin-bottom:.4em}
.toc a{text-decoration:none}
.aside-stack{display:grid;gap:16px}
.cta-box{background:linear-gradient(135deg,var(--brand),color-mix(in srgb,var(--brand) 60%,#0b3b8f));color:var(--brand-ink);border-radius:var(--radius);padding:22px}
.cta-box h3,.cta-box p{color:inherit}
.cta-box .btn{background:var(--brand-ink);color:var(--brand)}
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:0 16px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;padding:14px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.3rem;line-height:1;color:var(--brand)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{color:var(--muted)}
.pager{display:flex;gap:8px;justify-content:center;margin-top:28px;flex-wrap:wrap}
.pager a,.pager span{padding:.5rem .9rem;border-radius:10px;border:1px solid var(--line);background:var(--surface);text-decoration:none;color:var(--ink);font-weight:600}
.pager .current{background:var(--brand);color:var(--brand-ink);border-color:var(--brand)}

/* Landing / funil */
.lp-hero{text-align:center;padding:clamp(36px,7vw,84px) 0 24px}
.lp-hero p.lead{margin-inline:auto}
.lp-cards .card{padding:22px}
.lp-cards .btn{margin-top:auto}
.lp-cards .card p{margin-bottom:16px}
/* Funil curto: coluna única, alinhada à esquerda, botões em linhas */
.lp-hero--left{text-align:left;padding:clamp(20px,4vw,40px) 0 4px}
.lp-hero--left h1{margin:0 0 .5em}
/* Título das páginas de funil: centralizado; no celular, menor e mais leve */
.funnel-title{text-align:center}
@media (max-width:640px){.funnel-title{font-size:1.45rem;font-weight:700;line-height:1.25}}
.lp-hero--left p.lp-intro{margin:14px 0 0;max-width:none;color:var(--ink);font-size:1.1rem;line-height:1.65}
div[joinadscode="Content1"]{margin:14px 0}
.lp-stack{display:grid;gap:12px;margin:22px 0 6px}
.lp-stack .card{display:grid;grid-template-columns:1fr;gap:4px;padding:18px 20px}
.lp-stack .card h3{margin:0}
.lp-stack .card p{margin:0 0 12px}
.lp-stack .card .btn{margin-top:0;width:100%}
@media (min-width:700px){
  .lp-stack .card{grid-template-columns:1fr minmax(250px,290px);column-gap:22px;align-items:center}
  .lp-stack .card h3,.lp-stack .card p{grid-column:1}
  .lp-stack .card p{margin:0}
  .lp-stack .card .btn{grid-column:2;grid-row:1 / span 2}
}

/* Etapas de funil: saída externa, páginas relacionadas, aviso de independência */
.prose a.btn,.prose a.btn:hover{color:var(--brand-ink);text-decoration:none}
.prose a.btn-ghost,.prose a.btn-ghost:hover{color:var(--ink)}
.prose p>a.btn-block{margin:.2em 0}
.funnel-exit{margin:22px 0;text-align:center}
.funnel-exit .btn{text-align:center}
.funnel-exit small{display:block;margin-top:8px;color:var(--muted);font-size:.82rem}
.funnel-more{margin:34px 0 8px}
.funnel-more h2{font-size:1.15rem;margin-bottom:.7em}
.funnel-more ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.notice{margin:34px 0 8px;padding:16px 18px;border:1px solid var(--line);border-left:4px solid var(--muted);border-radius:12px;background:var(--surface-2);font-size:.9rem}
.notice p{margin:.5em 0 0}
.notice .muted{font-size:.82rem}

/* Loader de entrada dos funis: some sozinho após --loader-ms, mesmo se o JS falhar */
.funnel-loader{display:none}
html.has-loader .funnel-loader{display:flex;position:fixed;inset:0;z-index:10000;flex-direction:column;align-items:center;justify-content:center;gap:14px;background:var(--bg);color:var(--muted);font-weight:600;animation:loaderOut .3s ease var(--loader-ms,2500ms) forwards}
.funnel-loader p{margin:0}
.funnel-loader .spin{width:44px;height:44px;border:4px solid var(--line);border-top-color:var(--brand);border-radius:50%;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
@keyframes loaderOut{to{opacity:0;visibility:hidden;pointer-events:none}}
@media (prefers-reduced-motion:reduce){.funnel-loader .spin{animation:none;border-top-color:var(--brand)}}

/* Anúncios (espaço reservado evita CLS) */
.ad{display:block;margin:24px 0;min-height:280px;text-align:center;overflow:hidden}
.ad small{display:block;color:var(--muted);font-size:.7rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:4px}

/* Footer */
.site-footer{margin-top:48px;background:var(--surface);border-top:1px solid var(--line);padding:40px 0 24px;font-size:.93rem}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr 1fr}.foot-grid>:first-child{grid-column:1/-1}}
.site-footer h4{font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:.8em}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:.5em}
.site-footer a{color:var(--ink);text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.legal{margin-top:28px;padding-top:18px;border-top:1px solid var(--line);color:var(--muted);font-size:.8rem}
.site-disclaimer{margin-top:14px;color:var(--muted);font-size:.75rem;line-height:1.55}
.site-disclaimer p{margin:0}
.site-disclaimer strong{color:var(--ink)}

/* Cookies */
.cookie{position:fixed;left:12px;right:12px;bottom:12px;z-index:60;max-width:640px;margin-inline:auto;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:14px 16px;display:flex;gap:12px;align-items:center;flex-wrap:wrap;font-size:.88rem}
.cookie[hidden]{display:none}
.cookie p{margin:0;flex:1 1 260px}
.cookie .btn{padding:.55rem 1rem;font-size:.9rem}

@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.site-header,.site-footer,.cookie,.ad,.share,form{display:none!important}body{background:#fff;color:#000}}