/* =========== 1. RESET E TOKENS =========== */
        *, *::before, *::after {
            box-sizing: border-box;
            margin: 0;
            padding: 0;
        }

        :root {
            --color-primary: #1D4ED8;
            --color-primary-light: #3B82F6;
            --color-accent: #0EA5E9;

            /* Dinheiro / finanças — verde */
            --color-money: #16A34A;
            --color-money-dark: #15803D;
            --color-money-light: #22C55E;
            --color-money-bg: #F0FDF4;
            --color-money-vivid: #166534;

            /* Vermelho para "perda" */
            --color-loss: #DC2626;
            --color-loss-bg: #FEF2F2;

            /* Neutros */
            --color-bg: #F8FAFC;
            --color-surface: #FFFFFF;
            --color-border: #E2E8F0;
            --color-border-strong: #CBD5E1;
            --color-danger: #DC2626;

            --color-text: #0F172A;
            --color-text-muted: #475569;
            --color-text-light: #94A3B8;

            --shadow-sm: 0 1px 2px 0 rgba(15, 23, 42, 0.05);
            --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.08), 0 2px 4px -2px rgba(15, 23, 42, 0.05);
            --shadow-lg: 0 10px 25px -5px rgba(15, 23, 42, 0.10), 0 8px 10px -6px rgba(15, 23, 42, 0.04);

            --radius-sm: 8px;
            --radius-md: 12px;
            --radius-lg: 16px;
            --container-max: 900px;
            --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
        }

        html { scroll-behavior: smooth; }

        body {
            font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
            font-size: 16px;
            line-height: 1.6;
            color: var(--color-text);
            background-color: var(--color-bg);
            -webkit-font-smoothing: antialiased;
            -moz-osx-font-smoothing: grayscale;
            min-height: 100vh;
        }

        a {
            color: var(--color-primary);
            text-decoration: none;
            transition: color var(--transition);
        }

        .container {
            width: 100%;
            max-width: var(--container-max);
            margin: 0 auto;
            padding: 0 20px;
        }

        /* =========== 2. HEADER =========== */
        .header {
            position: sticky;
            top: 0;
            background-color: var(--color-surface);
            border-bottom: 1px solid var(--color-border);
            box-shadow: var(--shadow-sm);
            z-index: 50;
        }

        .header__inner {
            display: flex;
            align-items: center;
            justify-content: space-between;
            height: 64px;
        }

        .logo {
            display: flex;
            align-items: center;
            gap: 10px;
            font-size: 1.25rem;
            font-weight: 800;
            color: var(--color-primary);
            letter-spacing: -0.02em;
        }

        .logo__icon {
            width: 34px;
            height: 34px;
            background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-accent) 100%);
            border-radius: 10px;
            display: grid;
            place-items: center;
            color: #fff;
            font-size: 1.1rem;
            font-weight: 700;
        }

        .back-btn {
            display: inline-flex;
            align-items: center;
            gap: 6px;
            padding: 8px 14px;
            border-radius: 999px;
            font-size: 0.875rem;
            font-weight: 600;
            color: var(--color-text-muted);
            background-color: var(--color-bg);
            transition: all var(--transition);
        }

        .back-btn:hover {
            background-color: var(--color-primary);
            color: #fff;
        }

        .back-btn__icon {
            transition: transform var(--transition);
        }

        .back-btn:hover .back-btn__icon {
            transform: translateX(-3px);
        }

        @media (max-width: 380px) {
            .back-btn__text { display: none; }
            .back-btn { padding: 8px 12px; }
        }

        /* =========== 3. HERO =========== */
        .hero {
            padding: 40px 0 32px;
            text-align: center;
            background: linear-gradient(180deg, #FFFFFF 0%, #F0FDF4 100%);
            border-bottom: 1px solid var(--color-border);
        }

        .hero__breadcrumb {
            font-size: 0.8125rem;
            color: var(--color-text-muted);
            margin-bottom: 16px;
        }

        .hero__breadcrumb a {
            color: var(--color-text-muted);
            font-weight: 500;
        }

        .hero__breadcrumb a:hover {
            color: var(--color-money);
        }

        .hero__badge {
            display: inline-flex;
            align-items: center;
            gap: 6px;
            padding: 6px 14px;
            background-color: var(--color-money-bg);
            color: var(--color-money);
            font-size: 0.8125rem;
            font-weight: 600;
            border-radius: 999px;
            margin-bottom: 16px;
        }

        .hero__title {
            font-size: clamp(1.375rem, 5vw, 2.125rem);
            font-weight: 800;
            line-height: 1.2;
            letter-spacing: -0.02em;
            margin-bottom: 12px;
            color: var(--color-text);
        }

        .hero__subtitle {
            font-size: 1rem;
            color: var(--color-text-muted);
            max-width: 600px;
            margin: 0 auto;
        }

        /* =========== 4. CALCULADORA =========== */
        .calc-section {
            padding: 32px 0;
        }

        .calc-card {
            background-color: var(--color-surface);
            border: 1px solid var(--color-border);
            border-radius: var(--radius-lg);
            padding: 24px;
            box-shadow: var(--shadow-md);
        }

        .calc-card__title {
            font-size: 1.125rem;
            font-weight: 700;
            margin-bottom: 4px;
        }

        .calc-card__hint {
            font-size: 0.875rem;
            color: var(--color-text-muted);
            margin-bottom: 20px;
        }

        .form-grid {
            display: grid;
            grid-template-columns: 1fr;
            gap: 16px;
        }

        .form-field {
            display: flex;
            flex-direction: column;
            gap: 6px;
        }

        .form-label {
            font-size: 0.875rem;
            font-weight: 600;
            color: var(--color-text);
        }

        .form-label-hint {
            font-weight: 400;
            color: var(--color-text-light);
            font-size: 0.8125rem;
        }

        .form-input {
            width: 100%;
            padding: 12px 14px;
            font-family: inherit;
            font-size: 1rem;
            color: var(--color-text);
            background-color: var(--color-surface);
            border: 1.5px solid var(--color-border-strong);
            border-radius: var(--radius-sm);
            transition: border-color var(--transition), box-shadow var(--transition);
            -webkit-appearance: none;
            appearance: none;
        }

        .form-input:focus {
            outline: none;
            border-color: var(--color-money);
            box-shadow: 0 0 0 4px rgba(22, 163, 74, 0.10);
        }

        /* Decoradores */
        .input-decorated {
            position: relative;
        }

        .input-decorated--prefix::before {
            content: attr(data-prefix);
            position: absolute;
            left: 14px;
            top: 50%;
            transform: translateY(-50%);
            color: var(--color-text-muted);
            font-weight: 600;
            font-size: 0.9375rem;
            pointer-events: none;
        }
        .input-decorated--prefix .form-input {
            padding-left: 40px;
        }

        .input-decorated--suffix::after {
            content: attr(data-suffix);
            position: absolute;
            right: 14px;
            top: 50%;
            transform: translateY(-50%);
            color: var(--color-text-muted);
            font-size: 0.9375rem;
            font-weight: 600;
            pointer-events: none;
        }
        .input-decorated--suffix .form-input {
            padding-right: 40px;
        }

        /* Radio cards — estilizados como opções visuais */
        .radio-cards {
            display: grid;
            grid-template-columns: 1fr;
            gap: 10px;
        }

        .radio-card {
            position: relative;
        }

        .radio-card input[type="radio"] {
            position: absolute;
            opacity: 0;
            pointer-events: none;
        }

        .radio-card label {
            display: flex;
            align-items: flex-start;
            gap: 12px;
            padding: 16px;
            background-color: var(--color-surface);
            border: 1.5px solid var(--color-border-strong);
            border-radius: var(--radius-md);
            cursor: pointer;
            transition: all var(--transition);
            user-select: none;
        }

        .radio-card input[type="radio"]:checked + label {
            border-color: var(--color-money);
            background-color: var(--color-money-bg);
            box-shadow: 0 0 0 3px rgba(22, 163, 74, 0.08);
        }

        .radio-card input[type="radio"]:focus-visible + label {
            outline: 3px solid var(--color-accent);
            outline-offset: 2px;
        }

        .radio-card__dot {
            width: 20px;
            height: 20px;
            border: 2px solid var(--color-border-strong);
            border-radius: 50%;
            flex-shrink: 0;
            margin-top: 1px;
            transition: all var(--transition);
        }

        .radio-card input[type="radio"]:checked + label .radio-card__dot {
            border-color: var(--color-money);
            background-color: var(--color-money);
            box-shadow: inset 0 0 0 4px #fff;
        }

        .radio-card__content {
            flex: 1;
            min-width: 0;
        }

        .radio-card__title {
            font-weight: 700;
            font-size: 0.9375rem;
            color: var(--color-text);
            margin-bottom: 2px;
        }

        .radio-card__desc {
            font-size: 0.8125rem;
            color: var(--color-text-light);
            line-height: 1.4;
        }

        .radio-card__icon {
            font-size: 1.25rem;
            flex-shrink: 0;
        }

        /* Label dinâmico do campo de valor */
        #labelValor {
            transition: none;
        }

        /* Erros */
        .form-error {
            font-size: 0.8125rem;
            color: var(--color-danger);
            margin-top: 4px;
            display: none;
        }
        .form-field.has-error .form-input {
            border-color: var(--color-danger);
        }
        .form-field.has-error .form-error {
            display: block;
        }

        /* Botão submit — verde dinheiro */
        .submit-btn {
            width: 100%;
            padding: 16px 24px;
            margin-top: 8px;
            background: linear-gradient(135deg, var(--color-money) 0%, var(--color-money-light) 100%);
            color: #fff;
            border: none;
            border-radius: var(--radius-md);
            font-family: inherit;
            font-size: 1rem;
            font-weight: 700;
            cursor: pointer;
            transition: transform var(--transition), box-shadow var(--transition);
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 8px;
        }

        .submit-btn:hover {
            transform: translateY(-1px);
            box-shadow: 0 10px 30px -5px rgba(22, 163, 74, 0.4);
        }

        .submit-btn:active {
            transform: translateY(0);
        }

        /* =========== 5. RESULTADO =========== */
        .result-card {
            margin-top: 24px;
            background-color: var(--color-surface);
            border: 1px solid var(--color-border);
            border-radius: var(--radius-lg);
            padding: 24px;
            box-shadow: var(--shadow-md);
            display: none;
            animation: fadeInUp 0.4s ease-out;
        }

        .result-card.is-visible {
            display: block;
        }

        @keyframes fadeInUp {
            from { opacity: 0; transform: translateY(10px); }
            to { opacity: 1; transform: translateY(0); }
        }

        .result-card__header {
            padding-bottom: 16px;
            margin-bottom: 20px;
            border-bottom: 1px solid var(--color-border);
        }

        .result-card__kicker {
            display: inline-block;
            font-size: 0.75rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.08em;
            padding: 4px 10px;
            border-radius: 999px;
            margin-bottom: 8px;
        }

        .result-card__kicker--green {
            color: var(--color-money);
            background-color: var(--color-money-bg);
        }

        .result-card__title {
            font-size: 1.25rem;
            font-weight: 800;
        }

        /* Fluxo visual da operação */
        .flow {
            display: flex;
            flex-direction: column;
            gap: 0;
            margin-bottom: 20px;
        }

        .flow-step {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 16px 18px;
            border-radius: var(--radius-md);
            gap: 12px;
        }

        .flow-step__label {
            font-size: 0.9375rem;
            color: var(--color-text-muted);
        }

        .flow-step__label strong {
            display: block;
            color: var(--color-text);
            font-weight: 700;
            margin-bottom: 2px;
        }

        .flow-step__label small {
            font-size: 0.8125rem;
            color: var(--color-text-light);
        }

        .flow-step__value {
            font-weight: 800;
            font-size: 1.25rem;
            white-space: nowrap;
            letter-spacing: -0.01em;
        }

        .flow-step--input {
            background-color: var(--color-bg);
        }
        .flow-step--input .flow-step__value {
            color: var(--color-text);
        }

        .flow-step--loss {
            background-color: var(--color-loss-bg);
        }
        .flow-step--loss .flow-step__value {
            color: var(--color-loss);
        }

        .flow-step--result {
            background: linear-gradient(135deg, var(--color-money) 0%, var(--color-money-light) 100%);
            color: #fff;
        }
        .flow-step--result .flow-step__label {
            color: rgba(255,255,255,0.85);
        }
        .flow-step--result .flow-step__label strong {
            color: #fff;
        }
        .flow-step--result .flow-step__value {
            color: #fff;
            font-size: 1.5rem;
        }

        /* Seta entre os passos */
        .flow-arrow {
            display: flex;
            justify-content: center;
            padding: 4px 0;
            color: var(--color-text-light);
        }

        /* Aviso */
        .result-disclaimer {
            margin-top: 4px;
            padding: 14px 16px;
            background-color: #FEF3C7;
            border-left: 4px solid #F59E0B;
            border-radius: var(--radius-sm);
            color: #92400E;
            font-size: 0.875rem;
            font-style: italic;
            line-height: 1.5;
        }

        /* =========== 6. ARTIGO SEO =========== */
        .article {
            padding: 40px 0 60px;
        }

        .article__wrapper {
            background-color: var(--color-surface);
            border: 1px solid var(--color-border);
            border-radius: var(--radius-lg);
            padding: 28px 24px;
        }

        .article h2 {
            font-size: 1.375rem;
            font-weight: 800;
            color: var(--color-text);
            margin-top: 32px;
            margin-bottom: 12px;
            letter-spacing: -0.01em;
            line-height: 1.25;
        }

        .article h2:first-child {
            margin-top: 0;
        }

        .article h3 {
            font-size: 1.0625rem;
            font-weight: 700;
            color: var(--color-text);
            margin-top: 20px;
            margin-bottom: 8px;
        }

        .article p {
            color: var(--color-text-muted);
            margin-bottom: 14px;
            line-height: 1.75;
        }

        .article ul, .article ol {
            margin: 0 0 16px 0;
            padding-left: 22px;
            color: var(--color-text-muted);
        }

        .article li {
            margin-bottom: 8px;
            line-height: 1.65;
        }

        .article strong {
            color: var(--color-text);
            font-weight: 600;
        }

        .article .highlight-box {
            background-color: var(--color-money-bg);
            border-left: 4px solid var(--color-money);
            padding: 16px 18px;
            border-radius: var(--radius-sm);
            margin: 16px 0;
        }

        .article .highlight-box--red {
            background-color: var(--color-loss-bg);
            border-left-color: var(--color-loss);
        }

        .article .highlight-box p {
            margin-bottom: 0;
            color: var(--color-text);
        }

        /* Tabela */
        .article .table-wrapper {
            overflow-x: auto;
            margin: 16px 0;
            border-radius: var(--radius-sm);
            border: 1px solid var(--color-border);
        }

        .article table {
            width: 100%;
            border-collapse: collapse;
            font-size: 0.9375rem;
            min-width: 460px;
        }

        .article thead {
            background-color: var(--color-money);
            color: #fff;
        }

        .article th {
            padding: 12px 16px;
            font-weight: 700;
            text-align: left;
        }

        .article td {
            padding: 12px 16px;
            border-bottom: 1px solid var(--color-border);
            color: var(--color-text-muted);
        }

        .article tbody tr:last-child td {
            border-bottom: none;
        }

        .article tbody tr:nth-child(even) {
            background-color: var(--color-bg);
        }

        /* =========== 7. FOOTER =========== */
        .footer {
            background-color: #0F172A;
            color: #94A3B8;
            padding: 28px 0;
            text-align: center;
            font-size: 0.875rem;
        }

        .footer strong {
            color: #FFFFFF;
            font-weight: 600;
        }

        /* =========== 8. UTILS =========== */
        .sr-only {
            position: absolute; width: 1px; height: 1px;
            padding: 0; margin: -1px; overflow: hidden;
            clip: rect(0,0,0,0); white-space: nowrap; border: 0;
        }

        :focus-visible {
            outline: 3px solid var(--color-accent);
            outline-offset: 2px;
            border-radius: 4px;
        }

        @media (prefers-reduced-motion: reduce) {
            *, *::before, *::after {
                animation-duration: 0.01ms !important;
                transition-duration: 0.01ms !important;
            }
            html { scroll-behavior: auto; }
        }

        /* =========== 9. BREAKPOINTS =========== */
        @media (min-width: 640px) {
            .container { padding: 0 32px; }
            .hero { padding: 56px 0 48px; }
            .calc-card,
            .result-card,
            .article__wrapper { padding: 32px; }
            .form-grid--2col {
                grid-template-columns: 1fr 1fr;
            }
            .radio-cards {
                grid-template-columns: 1fr 1fr;
            }
        }

        @media (min-width: 900px) {
            .hero__title { line-height: 1.15; }
        }