/* J.A&M Seguros e Consórcios — site */
@font-face{font-family:"Young Serif";src:url(/fonts/young-serif-latin-400-normal.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Figtree";src:url(/fonts/figtree-latin-400-normal.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Figtree";src:url(/fonts/figtree-latin-500-normal.woff2) format("woff2");font-weight:500;font-style:normal;font-display:swap}
@font-face{font-family:"Figtree";src:url(/fonts/figtree-latin-600-normal.woff2) format("woff2");font-weight:600;font-style:normal;font-display:swap}
@font-face{font-family:"IBM Plex Mono";src:url(/fonts/ibm-plex-mono-latin-400-normal.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"IBM Plex Mono";src:url(/fonts/ibm-plex-mono-latin-500-normal.woff2) format("woff2");font-weight:500;font-style:normal;font-display:swap}

:root{
  --abismo:#0F2B30;--abismo-2:#16393F;--abismo-3:#21474D;
  --ouro:#C9A24A;--ouro-claro:#E7CF8C;--ouro-escuro:#94742A;
  --nevoa:#E6ECEA;--papel:#FAFBF9;--tinta:#172220;--salvia:#56746D;--linha:#D3DCD9;
  --f-disp:"Young Serif",Georgia,serif;--f-txt:"Figtree",system-ui,-apple-system,Segoe UI,sans-serif;--f-mono:"IBM Plex Mono",ui-monospace,monospace;
  --raio:14px;--max:1160px;--txt:68ch;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--papel);color:var(--tinta);font:400 17px/1.65 var(--f-txt)}
img{max-width:100%;height:auto;display:block}
a{color:var(--abismo-3);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--ouro-escuro)}
:focus-visible{outline:3px solid var(--ouro);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.mono{font-family:var(--f-mono);font-size:.78rem;letter-spacing:.06em;text-transform:uppercase}
h1,h2,h3{font-family:var(--f-disp);font-weight:400;line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.6vw,3.6rem)}
h2{font-size:clamp(1.6rem,3vw,2.3rem)}
h3{font-size:1.3rem}
p{margin:0 0 1em}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* Guilloché: o padrão de segurança das apólices e cédulas */
.guilloche{background-color:var(--abismo);background-image:
  repeating-radial-gradient(circle at 18% 120%,transparent 0 13px,rgba(201,162,74,.10) 13px 14px),
  repeating-radial-gradient(circle at 92% -20%,transparent 0 17px,rgba(201,162,74,.08) 17px 18px)}
.guilloche-claro{background-image:
  repeating-radial-gradient(circle at 0 100%,transparent 0 9px,rgba(201,162,74,.16) 9px 10px),
  repeating-radial-gradient(circle at 100% 0,transparent 0 11px,rgba(15,43,48,.06) 11px 12px)}

/* Topo */
.topo{position:sticky;top:0;z-index:20;background:rgba(15,43,48,.97);backdrop-filter:saturate(1.2) blur(6px);border-bottom:1px solid rgba(201,162,74,.25)}
.topo .wrap{display:flex;align-items:center;gap:20px;min-height:68px}
.topo .marca img{height:44px;width:auto}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center;flex-wrap:wrap}
.nav a{color:#E9EFED;text-decoration:none;padding:8px 12px;border-radius:8px;font-size:.95rem}
.nav a:hover,.nav a[aria-current=page]{color:var(--ouro-claro);background:rgba(255,255,255,.05)}
.btn{display:inline-flex;align-items:center;gap:8px;font:600 .98rem/1 var(--f-txt);padding:14px 20px;border-radius:999px;text-decoration:none;border:1px solid transparent;cursor:pointer}
.btn-ouro{background:var(--ouro);color:var(--abismo)}
.btn-ouro:hover{background:var(--ouro-claro);color:var(--abismo)}
.btn-linha{border-color:rgba(231,207,140,.5);color:#F2EAD3}
.btn-linha:hover{border-color:var(--ouro-claro);color:#fff}
.nav .btn{padding:10px 16px;margin-left:6px}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid rgba(231,207,140,.4);color:#F2EAD3;border-radius:8px;padding:8px 12px;font:inherit}
@media (max-width:860px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:68px;background:var(--abismo);flex-direction:column;align-items:stretch;padding:10px 20px 18px;border-bottom:1px solid rgba(201,162,74,.25)}
  .nav.aberto{display:flex}
  .nav .btn{margin:8px 0 0;justify-content:center}
}

/* Hero */
.hero{color:#EEF3F1;padding:72px 0 84px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero .eyebrow{color:var(--ouro-claro)}
.hero h1{color:#fff;margin-top:14px}
.hero h1 em{font-style:normal;color:var(--ouro-claro)}
.hero p.lead{font-size:1.15rem;color:#C9D6D2;max-width:52ch}
.hero .acoes{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr;gap:40px}.hero{padding:48px 0 60px}}

/* O certificado: assinatura do site */
.cert{position:relative;background:var(--papel);color:var(--tinta);border-radius:6px;padding:30px 28px 26px;box-shadow:0 30px 60px -30px rgba(0,0,0,.6);transform:rotate(-1.2deg)}
.cert::before{content:"";position:absolute;inset:10px;border:1px solid var(--ouro);border-radius:3px;pointer-events:none}
.cert::after{content:"";position:absolute;inset:14px;border:1px solid rgba(201,162,74,.45);border-radius:2px;pointer-events:none}
.cert .faixa{height:58px;margin:-6px -4px 18px;border-radius:2px;display:flex;align-items:center;padding:0 14px}
.cert .faixa img{height:36px;width:auto}
.cert .tit{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--salvia)}
.cert .nome{font-family:var(--f-disp);font-size:1.9rem;line-height:1.1;margin:4px 0 2px}
.cert .susep{font-family:var(--f-mono);font-size:.95rem;color:var(--abismo-3)}
.cert dl{display:grid;grid-template-columns:auto 1fr;gap:6px 14px;margin:18px 0 0;font-size:.95rem}
.cert dt{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--salvia);padding-top:3px}
.cert dd{margin:0}
.selo{position:absolute;right:-18px;bottom:-22px;width:108px;height:108px;border-radius:50%;background:radial-gradient(circle,var(--ouro-claro) 0 38%,var(--ouro) 39% 100%);display:grid;place-items:center;text-align:center;color:var(--abismo);font:600 .62rem/1.25 var(--f-mono);letter-spacing:.08em;text-transform:uppercase;box-shadow:0 0 0 4px var(--papel),0 0 0 5px var(--ouro);transform:rotate(9deg)}
.selo b{display:block;font-family:var(--f-disp);font-size:1.25rem;letter-spacing:0;text-transform:none;font-weight:400}

/* Seções */
.secao{padding:84px 0}
.secao.nevoa{background:var(--nevoa)}
.secao .cab{max-width:62ch;margin-bottom:38px}
.secao .cab .mono{color:var(--salvia)}
.grade3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media (max-width:900px){.grade3{grid-template-columns:1fr}}
.nicho{display:flex;flex-direction:column;background:#fff;border:1px solid var(--linha);border-radius:var(--raio);padding:28px;text-decoration:none;color:inherit;transition:transform .2s,border-color .2s}
.nicho:hover{transform:translateY(-3px);border-color:var(--ouro);color:inherit}
.nicho .mono{color:var(--ouro-escuro)}
.nicho h3{margin:10px 0 8px}
.nicho p{color:#3B4A47;flex:1}
.nicho .ir{font-weight:600;color:var(--abismo-3)}
.passos{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--ouro)}
.passo{padding:24px 24px 6px 0;border-right:1px solid var(--linha);margin-right:24px}
.passo:last-child{border-right:0}
.passo .mono{color:var(--ouro-escuro)}
@media (max-width:900px){.passos{grid-template-columns:1fr}.passo{border-right:0;border-bottom:1px solid var(--linha);margin-right:0}}
.duas{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
@media (max-width:900px){.duas{grid-template-columns:1fr;gap:28px}}
.quem{background:var(--abismo);color:#E9EFED;border-radius:var(--raio);padding:30px}
.quem .mono{color:var(--ouro-claro)}
.quem h3{color:#fff;font-size:1.7rem;margin-top:8px}
.quem a{color:var(--ouro-claro)}

/* Lista de artigos */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media (max-width:900px){.cards{grid-template-columns:1fr}}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--linha);border-radius:var(--raio);overflow:hidden;text-decoration:none;color:inherit}
.card:hover{border-color:var(--ouro);color:inherit}
.card .topo-card{height:8px}
.card .corpo{padding:22px}
.card .mono{color:var(--ouro-escuro)}
.card h3{font-size:1.2rem;margin:8px 0}
.card p{color:#3B4A47;font-size:.96rem;margin:0}
.vazio{background:#fff;border:1px dashed var(--linha);border-radius:var(--raio);padding:28px;color:var(--salvia)}

/* FAQ */
.faq details{border-bottom:1px solid var(--linha);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;padding:16px 36px 16px 0;position:relative;font-weight:600;font-size:1.05rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:12px;font:400 1.5rem/1 var(--f-disp);color:var(--ouro-escuro)}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0 0 16px;color:#33423F}

/* Faixa de contato */
.cta{color:#EEF3F1;border-radius:var(--raio);padding:44px;display:flex;gap:28px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta h2{color:#fff;margin:0 0 6px}
.cta p{margin:0;color:#C9D6D2}

/* Página interna */
.pag-cab{color:#EEF3F1;padding:56px 0 50px}
.pag-cab .mono{color:var(--ouro-claro)}
.pag-cab h1{color:#fff;margin-top:12px;max-width:22ch}
.pag-cab p{color:#C9D6D2;max-width:60ch;font-size:1.1rem;margin:0}
.migalha{font-size:.88rem;margin-bottom:14px}
.migalha a{color:#C9D6D2}
.migalha span{color:#8FA9A3}
.texto{max-width:var(--txt)}
.texto h2{margin-top:1.6em;font-size:1.8rem}
.texto h3{margin-top:1.3em}
.texto ul,.texto ol{padding-left:1.2em}
.texto li{margin-bottom:.4em}
.texto table{border-collapse:collapse;width:100%;margin:0 0 1.2em;font-size:.95rem}
.texto th,.texto td{border-bottom:1px solid var(--linha);padding:10px 8px;text-align:left;vertical-align:top}
.texto th{font-family:var(--f-mono);font-size:.75rem;letter-spacing:.06em;text-transform:uppercase;color:var(--salvia)}
.layout-art{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;padding:56px 0 30px}
@media (max-width:980px){.layout-art{grid-template-columns:1fr}}
.lateral{position:sticky;top:96px;align-self:start;display:grid;gap:18px}
.lateral .box{background:var(--nevoa);border-radius:var(--raio);padding:22px}
.lateral .box .mono{color:var(--salvia)}
.lateral .box p{font-size:.95rem}

/* Cláusula: a resposta curta no topo de cada artigo */
.clausula{position:relative;border:1px solid var(--ouro);border-radius:6px;padding:22px 24px 18px;margin:0 0 30px;background:#fff}
.clausula .mono{position:absolute;top:-10px;left:18px;background:var(--papel);padding:0 8px;color:var(--ouro-escuro)}
.clausula p{margin:0;font-size:1.08rem}
.autor{display:flex;gap:14px;align-items:center;margin:0 0 26px;font-size:.92rem;color:#3B4A47}
.autor .ini{width:46px;height:46px;border-radius:50%;background:var(--abismo);color:var(--ouro-claro);display:grid;place-items:center;font-family:var(--f-disp);font-size:1.1rem;flex:none}
.autor b{color:var(--tinta)}
.aviso{font-size:.85rem;color:var(--salvia);border-top:1px solid var(--linha);padding-top:16px;margin-top:34px}

/* Rodapé */
.rodape{background:var(--abismo);color:#B9C9C5;padding:56px 0 30px;font-size:.93rem}
.rodape .wrap{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:36px}
.rodape img{height:52px;width:auto;margin-bottom:14px}
.rodape a{color:#E9EFED;text-decoration:none}
.rodape a:hover{color:var(--ouro-claro)}
.rodape h4{font:500 .75rem/1 var(--f-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--ouro-claro);margin:6px 0 14px}
.rodape ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.rodape .base{grid-column:1/-1;border-top:1px solid rgba(201,162,74,.2);padding-top:20px;margin-top:10px;font-size:.82rem;color:#8FA9A3}
@media (max-width:800px){.rodape .wrap{grid-template-columns:1fr}}
.zap{position:fixed;right:18px;bottom:18px;z-index:30;width:58px;height:58px;border-radius:50%;background:#1F8B5A;display:grid;place-items:center;box-shadow:0 10px 24px -8px rgba(0,0,0,.45)}
.zap svg{width:30px;height:30px;fill:#fff}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}.cert,.selo{transform:none}}
.hero{overflow:hidden}
body{overflow-x:hidden}
@media (max-width:600px){.selo{right:6px;bottom:-30px;width:92px;height:92px}.cert{margin-right:6px}}

.faixa-rede{background:#fff;border-bottom:1px solid var(--linha)}
.faixa-rede .wrap{display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center;padding-top:26px;padding-bottom:26px}
.faixa-rede .mono{color:var(--ouro-escuro);max-width:16ch;line-height:1.5}
.faixa-rede p{margin:0;color:#3B4A47;font-size:.98rem}
.faixa-rede a{font-weight:600;white-space:nowrap}
@media (max-width:860px){.faixa-rede .wrap{grid-template-columns:1fr;gap:10px}.faixa-rede .mono{max-width:none}}
.rodape .insta{display:inline-flex;align-items:center;gap:8px}.rodape .insta svg{width:20px;height:20px;flex:none}
.rodape .insta svg{fill:none}.rodape .insta svg path[d^="M16"]{fill:currentColor}