:root{
  --ink:#0b1b34; --body:#475677; --muted:#67768f; --col-head:#93a0b6;
  --navy:#0c2a66; --navy-hover:#0a224f; --navy-deep-a:#081a40; --navy-deep-b:#0a2257;
  --cream:#f5f1e6; --teal:#22d3c5; --teal-dark:#0e8f8a; --teal-light:#5ce0d4; --teal-lighter:#7ef0e4;
  --bg:#ffffff; --strip:#fafbfd; --border:#e7ecf4; --border-soft:#eef1f7; --border-pill:#d7deea;
  --sans:"IBM Plex Sans",system-ui,-apple-system,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,monospace;
  --radius:11px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
.wrap{max-width:1160px;margin:0 auto;padding:0 28px}
.eyebrow{font-family:var(--mono);font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-dark)}

/* Header */
header.site{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.88);backdrop-filter:blur(10px);border-bottom:1px solid var(--border)}
.nav{display:flex;align-items:center;gap:26px;height:68px}
.logo{display:flex;align-items:center;gap:10px;font-weight:600}
.logo .mark{width:38px;height:38px;border-radius:9px;background:var(--logo-navy,#0b1d42);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--mono);font-size:13px;font-weight:600;letter-spacing:.02em}
.logo .word{font-family:var(--sans);font-style:italic;font-weight:500;font-size:22px;color:var(--ink)}
.nav .links{display:flex;gap:24px;margin-left:8px}
.nav .links a{color:var(--body);font-size:15px;font-weight:500}
.nav .links a:hover{color:var(--ink)}
.nav .spacer{flex:1}
.hdr-clock{display:flex;flex-direction:column;align-items:flex-end;line-height:1.25}
.hdr-clock .city{font-family:var(--mono);font-size:11px;letter-spacing:.13em;text-transform:uppercase;color:var(--teal-dark)}
.hdr-clock .date{font-size:14px;color:var(--body);font-weight:500;font-variant-numeric:tabular-nums}
@media(max-width:820px){.nav .links{display:none}}

/* Hero */
.hero{position:relative;overflow:hidden;color:#fff;background:#081a40 url("../assets/caio-silva-5W8fDb8f89s-unsplash.jpg") center/cover no-repeat}
/* Hero background carousel (cross-fade, CSS-only) */
.hero-bg{position:absolute;inset:0;background-position:center;background-size:cover;background-repeat:no-repeat;opacity:0;z-index:0;animation:heroFade 34.5s linear infinite}
.hero-bg-1{background-image:url("../assets/caio-silva-5W8fDb8f89s-unsplash.jpg");animation-delay:0s}
.hero-bg-2{background-image:url("../assets/francisco-kemeny-IDWGW0tlB18-unsplash.jpg");animation-delay:11.5s}
.hero-bg-3{background-image:url("../assets/francisco-kemeny-tzZPC-LJV-A-unsplash.jpg");animation-delay:23s}
@keyframes heroFade{0%{opacity:0}4.35%{opacity:1}33.33%{opacity:1}37.68%{opacity:0}100%{opacity:0}}
.hero-tint{position:absolute;inset:0;z-index:1;pointer-events:none;background:radial-gradient(120% 120% at 80% 0%, rgba(10,34,87,.80) 0%, rgba(8,26,64,.86) 55%, rgba(6,18,46,.93) 100%)}
@media (prefers-reduced-motion:reduce){.hero-bg{animation:none}.hero-bg-1{opacity:1}}
.hero .wrap{padding:78px 28px 90px;position:relative;z-index:2}
.hero .badge{display:inline-flex;align-items:center;gap:9px;border:1px solid rgba(126,240,228,.28);border-radius:999px;padding:7px 15px;font-family:var(--mono);font-size:12px;letter-spacing:.13em;text-transform:uppercase;color:var(--teal-lighter)}
.hero .badge .dot{width:7px;height:7px;border-radius:50%;background:var(--teal)}
h1.hero-title{font-size:clamp(34px,5vw,58px);line-height:1.04;font-weight:700;letter-spacing:-.02em;margin:26px 0 18px;max-width:18ch}
.hero p.lead{color:#c4d0e6;font-size:18px;max-width:54ch;margin:0 0 30px}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:10px;border-radius:var(--radius);padding:13px 22px;font-size:15.5px;font-weight:600;cursor:pointer;border:0;font-family:var(--sans)}
.btn-primary{background:#fff;color:var(--navy)}
.btn-primary:hover{background:#eef2fb}
.btn-ghost{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.28);color:#fff;font-weight:500}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.hero .grid-deco{position:absolute;inset:0;z-index:1;pointer-events:none;opacity:.5;background-image:linear-gradient(rgba(126,240,228,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(126,240,228,.05) 1px,transparent 1px);background-size:46px 46px;-webkit-mask-image:radial-gradient(80% 80% at 75% 10%,#000,transparent 75%)}

/* Ad slots */
.ad-slot{margin:0 auto;display:flex;align-items:center;justify-content:center;background:repeating-linear-gradient(45deg,#fafbfd,#fafbfd 12px,#f3f6fb 12px,#f3f6fb 24px);border:1px dashed var(--border-pill);border-radius:10px;color:var(--col-head);font-family:var(--mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;text-align:center;min-height:90px}
.ad-leader{max-width:1160px;margin:22px auto;min-height:100px}
.ad-inline{width:100%;min-height:110px;margin:8px 0 0}
.ad-rail{width:100%;min-height:600px}
@media(max-width:980px){.ad-rail{min-height:120px}}

/* App layout */
main{padding:46px 0 30px}
.app-head{margin-bottom:26px}
.app-head h2{font-size:clamp(26px,3.4vw,38px);font-weight:700;letter-spacing:-.02em;margin:12px 0 8px}
.app-head p{color:var(--body);max-width:62ch;margin:0;font-size:16.5px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:30px;align-items:start}
@media(max-width:980px){.layout{grid-template-columns:1fr}}

.card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:24px}
.card + .card{margin-top:22px}
.card h3{margin:0 0 4px;font-size:13px;font-family:var(--mono);text-transform:uppercase;letter-spacing:.12em;color:var(--teal-dark)}
.card h3 + .sub{margin:0 0 18px;color:var(--muted);font-size:14px}

.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
@media(max-width:560px){.field-grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:6px}
.field.span2{grid-column:1/-1}
label{font-size:13px;font-weight:600;color:var(--ink)}
label .hint{font-weight:400;color:var(--muted)}
input,select{font-family:var(--sans);font-size:15px;color:var(--ink);background:#fff;border:1px solid var(--border-pill);border-radius:10px;padding:11px 13px;width:100%}
input:focus,select:focus{outline:none;border-color:var(--teal-dark);box-shadow:0 0 0 3px rgba(34,211,197,.15)}
input[readonly]{background:var(--strip);color:var(--muted)}
.inline-uf{display:flex;gap:10px;align-items:flex-end}
.inline-uf .field{flex:1}
.mini-btn{white-space:nowrap;background:var(--navy);color:#fff;border:0;border-radius:10px;padding:11px 14px;font-weight:600;font-size:13.5px;cursor:pointer;font-family:var(--sans)}
.mini-btn:hover{background:var(--navy-hover)}
.mini-btn:disabled{opacity:.5;cursor:default}
.uf-note{font-size:12.5px;color:var(--muted);margin-top:7px}
.uf-note.ok{color:var(--teal-dark)}
.uf-note.err{color:#b4453a}

.actions{display:flex;gap:12px;margin-top:20px;flex-wrap:wrap}
.btn-calc{background:var(--navy);color:#fff}
.btn-calc:hover{background:var(--navy-hover)}
.btn-reset{background:#fff;border:1px solid var(--border-pill);color:var(--body)}

/* Results */
.results{display:none}
.results.show{display:block}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media(max-width:880px){.kpis{grid-template-columns:repeat(2,1fr)}}
.kpi{background:var(--strip);border:1px solid var(--border-soft);border-radius:13px;padding:16px}
.kpi .k{font-family:var(--mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--col-head)}
.kpi .v{font-size:23px;font-weight:700;margin-top:8px;letter-spacing:-.01em;font-variant-numeric:tabular-nums}
.kpi .u{font-size:12.5px;color:var(--muted);margin-top:2px}
.kpi.accent{background:var(--navy);border-color:var(--navy)}
.kpi.accent .k{color:var(--teal-lighter)}
.kpi.accent .v,.kpi.accent .u{color:#fff}

.verdict{margin-top:16px;font-size:14.5px;color:var(--body);background:#f4fbfa;border:1px solid #d4f0ec;border-left:3px solid var(--teal-dark);border-radius:10px;padding:12px 15px}

table.flows{width:100%;border-collapse:collapse;margin-top:6px;font-variant-numeric:tabular-nums}
table.flows th,table.flows td{text-align:right;padding:9px 10px;font-size:13.5px;border-bottom:1px solid var(--border-soft)}
table.flows th{font-family:var(--mono);font-size:10.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--col-head);font-weight:600;border-bottom:1px solid var(--border)}
table.flows td:first-child,table.flows th:first-child{text-align:center;color:var(--muted)}
table.flows td:nth-child(2),table.flows th:nth-child(2){text-align:left}
table.flows tr.paid td{color:var(--col-head)}
table.flows tr.maturity td{font-weight:600}
.tbl-scroll{overflow-x:auto;margin-top:14px}

.legend{font-size:12.5px;color:var(--muted);margin-top:14px;line-height:1.6}

/* sidebar */
aside .card.method h3{color:var(--teal-dark)}
aside .steps{list-style:none;margin:14px 0 0;padding:0;counter-reset:s}
aside .steps li{position:relative;padding:0 0 14px 36px;font-size:13.5px;color:var(--body)}
aside .steps li::before{counter-increment:s;content:"0" counter(s);position:absolute;left:0;top:0;font-family:var(--mono);font-size:12px;color:var(--teal-dark);font-weight:600}
aside .steps li b{color:var(--ink);font-weight:600}

/* Footer */
footer.site{background:var(--navy-deep-a);color:#aebbd4;margin-top:50px;padding:46px 0 30px}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
@media(max-width:760px){footer.site .cols{grid-template-columns:1fr}}
footer .word{font-family:var(--sans);font-style:italic;color:#fff;font-size:20px;font-weight:500}
footer p{font-size:13.5px;max-width:42ch;margin:12px 0 0}
footer h4{font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#7c8cb0;margin:0 0 12px}
footer ul{list-style:none;margin:0;padding:0}
footer ul li{margin-bottom:9px;font-size:14px}
footer ul li a:hover{color:#fff}
footer .base{border-top:1px solid rgba(255,255,255,.08);margin-top:34px;padding-top:20px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:12.5px;color:#7c8cb0}
.disclaimer{font-size:12px;color:#6f7fa3;margin-top:14px;max-width:78ch;line-height:1.6}