/* MaisFin v2: estilos (mobile-first, sem dependências externas, tipos de letra alojados no próprio site). */
@font-face{font-family:"Inter";src:url(../fonts/inter.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
@font-face{font-family:"Fraunces";src:url(../fonts/fraunces.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
:root{
  --navy:#011F52;--navy-2:#0A2D6B;--navy-3:#13397F;--ink:#0D1B33;--body:#2C3A52;--muted:#5A667A;--faint:#6B7588;
  --turq:#19D2CD;--turq-soft:#E8F8F7;--teal:#0B7A77;--teal-2:#085F5D;
  --line:#E4E8EE;--line-2:#D3D9E2;--soft:#F6F7F9;--white:#fff;
  --ok:#0F7B53;--warn-bg:#FBF3E4;--warn:#7A4D00;--danger:#B42318;
  --r:14px;--r-sm:10px;--r-lg:20px;
  --sh-1:0 1px 2px rgba(13,27,51,.05);--sh-2:0 1px 2px rgba(13,27,51,.04),0 10px 30px -12px rgba(13,27,51,.14);
  --sans:"Inter",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --max:1180px;--pad:20px;--hdr:64px;--ease:cubic-bezier(.2,.7,.2,1);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--hdr) + 12px)}
@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--sans);font-size:16px;line-height:1.6;color:var(--body);background:var(--white);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;font-feature-settings:"cv11","ss01"}
html.menu-open{overflow:hidden}
img,svg{display:block;max-width:100%}
a{color:var(--teal);text-underline-offset:.18em;text-decoration-thickness:1px}
a:hover{color:var(--teal-2)}
h1,h2,h3{color:var(--ink);margin:0 0 .5em;line-height:1.15}
h1,h2{font-family:var(--serif);font-weight:500;letter-spacing:-.015em;font-optical-sizing:auto}
h1{font-size:clamp(2.1rem,6.4vw,3.6rem)}
h2{font-size:clamp(1.6rem,4.2vw,2.35rem)}
h3{font-size:1.05rem;font-weight:600;letter-spacing:-.005em}
p{margin:0 0 1em}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 var(--pad)}
.narrow{max-width:820px}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;margin:-1px}
.skip-link{position:absolute;left:-9999px;top:8px;z-index:200;background:var(--white);color:var(--navy);padding:10px 14px;border-radius:8px;font-weight:600}
.skip-link:focus{left:8px}
:focus-visible{outline:2px solid var(--teal);outline-offset:3px;border-radius:6px}
.hero :focus-visible,.section-ink :focus-visible,.site-footer :focus-visible,.sim-result :focus-visible{outline-color:var(--turq)}
[hidden]{display:none!important}
.ico{width:22px;height:22px;flex:0 0 auto}
.ph{background:#FFF4C2;color:#5C4400;padding:0 .3em;border-radius:4px;font-weight:600;border:1px dashed #D4A300}
.print-only{display:none}
.center{text-align:center}

/* Linha de estado (modo informativo; depois do registo, n.º no Banco de Portugal) */
.status-line{background:var(--soft);border-bottom:1px solid var(--line);color:var(--muted);font-size:12px;line-height:1.4;padding:6px 0;text-align:center;letter-spacing:.005em}

/* Cabeçalho */
.site-header{position:sticky;top:0;z-index:60;border-bottom:1px solid transparent;transition:border-color .2s,box-shadow .2s}
.site-header::before{content:"";position:absolute;inset:0;z-index:-1;background:rgba(255,255,255,.92);-webkit-backdrop-filter:saturate(1.4) blur(12px);backdrop-filter:saturate(1.4) blur(12px)}
html.menu-open .site-header::before{background:#fff}
.site-header.scrolled{border-bottom-color:var(--line);box-shadow:0 6px 20px -16px rgba(13,27,51,.35)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:var(--hdr);gap:16px}
.logo{display:inline-flex;align-items:center}
.logo-img{height:38px;width:auto}
.nav-toggle{width:44px;height:44px;margin-right:-8px;border:0;background:transparent;border-radius:12px;cursor:pointer;display:grid;place-items:center;color:var(--ink)}
.nav-toggle .bars,.nav-toggle .bars::before,.nav-toggle .bars::after{display:block;width:20px;height:1.6px;background:currentColor;border-radius:2px;transition:transform .25s var(--ease),opacity .2s}
.nav-toggle .bars{position:relative}
.nav-toggle .bars::before,.nav-toggle .bars::after{content:"";position:absolute;left:0}
.nav-toggle .bars::before{top:-6px}.nav-toggle .bars::after{top:6px}
.nav-toggle[aria-expanded="true"] .bars{background:transparent}
.nav-toggle[aria-expanded="true"] .bars::before{transform:translateY(6px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] .bars::after{transform:translateY(-6px) rotate(-45deg)}
.main-nav{position:fixed;left:0;right:0;bottom:0;top:var(--nav-top,var(--hdr));background:var(--white);padding:12px var(--pad) 32px;display:flex;flex-direction:column;gap:20px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .2s,transform .25s var(--ease),visibility 0s .25s;overflow:auto}
.main-nav.open{opacity:1;visibility:visible;transform:none;transition:opacity .2s,transform .25s var(--ease)}
.main-nav ul{list-style:none;margin:0;padding:0}
.main-nav li a{display:flex;align-items:center;min-height:56px;font-family:var(--serif);font-size:1.5rem;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.main-nav li a[aria-current="page"]{color:var(--teal)}
.nav-cta{align-self:stretch}
.nav-sec{display:inline-flex;align-items:center;min-height:44px;color:var(--body);font-weight:500;text-decoration:none}
@media (min-width:960px){.nav-sec{display:none}}
@media (min-width:960px){
  :root{--hdr:76px;--pad:32px}
  .logo-img{height:44px}
  .nav-toggle{display:none}
  .main-nav{position:static;opacity:1;visibility:visible;transform:none;flex-direction:row;align-items:center;gap:28px;padding:0;background:transparent;overflow:visible}
  .main-nav ul{display:flex;gap:4px}
  .main-nav li a{min-height:40px;padding:0 14px;font-family:var(--sans);font-size:.95rem;font-weight:500;border:0;border-radius:999px;color:var(--body);transition:color .15s,background .15s}
  .main-nav li a:hover{color:var(--ink);background:var(--soft)}
  .main-nav li a[aria-current="page"]{color:var(--ink);background:var(--soft);box-shadow:inset 0 0 0 1px var(--line)}
  .nav-cta{align-self:auto}
}

/* Botões e ligações */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:0 24px;border-radius:999px;border:0;background:var(--navy);color:#fff;font:600 1rem/1 var(--sans);letter-spacing:.005em;text-decoration:none;cursor:pointer;transition:background .15s,transform .15s var(--ease),box-shadow .15s}
.btn:hover{background:var(--navy-3);color:#fff}
.btn:active{transform:translateY(1px)}
.btn-sm{min-height:44px;padding:0 18px;font-size:.93rem}
.btn-block{width:100%}
.btn-outline{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 1.5px var(--line-2)}
.btn-outline:hover{background:var(--soft);color:var(--ink);box-shadow:inset 0 0 0 1.5px var(--ink)}
.btn-line{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:0 14px;border-radius:999px;border:0;background:transparent;color:inherit;font:500 .92rem/1 var(--sans);cursor:pointer;box-shadow:inset 0 0 0 1px currentColor;opacity:.92;transition:opacity .15s,background .15s}
.btn-line:hover{opacity:1;background:rgba(127,127,127,.08)}
.btn-line .ico{width:18px;height:18px}
.btn-ghost-sm{min-height:44px;padding:0 14px;border:0;background:transparent;color:var(--ink);font:500 .95rem/1 var(--sans);cursor:pointer;border-radius:999px}
.link-arrow{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:.95rem;color:var(--ink);text-decoration:none;white-space:nowrap}
.link-arrow .ico{width:18px;height:18px;transition:transform .2s var(--ease)}
.link-arrow:hover{color:var(--teal)}
.link-arrow:hover .ico{transform:translateX(3px)}
.link-arrow.on-dark{color:#fff}.link-arrow.on-dark:hover{color:var(--turq)}

/* Tipografia auxiliar */
.eyebrow{font-size:.75rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin:0 0 12px}
.lead{font-size:1.125rem;line-height:1.55;color:var(--body);max-width:40rem}
.help{font-size:.84rem;line-height:1.5;color:var(--muted);margin:.4em 0 0}
.h-block{font-size:clamp(1.45rem,3.6vw,1.95rem)}
.h-sm{font-family:var(--sans);font-size:.95rem;font-weight:600;margin:0 0 6px}
.prose{max-width:44rem}
.prose p{color:var(--body)}
.note{background:var(--warn-bg);color:var(--warn);border-radius:var(--r-sm);padding:14px 16px;font-size:.92rem;margin:0 0 24px}
.note a{color:var(--warn)}

/* Secções */
.section{padding:72px 0}
.section-soft{background:var(--soft)}
.section-ink{background:var(--navy);color:#C9D4E8}
.section-ink h2,.section-ink .eyebrow{color:#fff}
.section-ink .eyebrow{color:var(--turq)}
.section-ink .link-arrow{color:#fff}.section-ink .link-arrow:hover{color:var(--turq)}
.section-head{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:12px 24px;margin-bottom:28px}
.section-head h2{margin:0}
.section-head p{margin:10px 0 0;color:var(--muted);max-width:38rem}
.section-ink .section-head p{color:#AFC0DD}
.block{padding:48px 0 0}
.block:last-child{padding-bottom:72px}
@media (min-width:960px){.section{padding:104px 0}.block{padding-top:64px}.block:last-child{padding-bottom:104px}}

/* Hero (página inicial) */
.hero{background:radial-gradient(900px 420px at 85% 0%,rgba(25,210,205,.10),transparent 60%),linear-gradient(180deg,var(--navy),#011A45);color:#C9D4E8;padding:36px 0 48px}
.hero h1{color:#fff;margin-bottom:18px;max-width:14ch}
.hero .eyebrow{color:var(--turq)}
.hero .lead{color:#C9D4E8}
.hero-grid{display:grid;gap:36px}
.hero-links{margin:22px 0 0}
@media (min-width:960px){.hero{padding:88px 0 96px}.hero-grid{grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}}

/* Simulador rápido */
.hero-sim{background:var(--white);color:var(--body);border-radius:var(--r-lg);padding:22px 20px 18px;box-shadow:0 30px 60px -30px rgba(0,0,0,.55)}
.hs-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:8px}
.hs-head h2{font-size:1.35rem;margin:0}
.hs-head span{font-size:.8rem;color:var(--teal);font-weight:500;white-space:nowrap;display:inline-flex;align-items:center;gap:6px}
.hs-head span::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--turq);box-shadow:0 0 0 3px rgba(25,210,205,.2)}
.hs-out{border-top:1px solid var(--line);margin-top:6px;padding-top:16px}
.hs-label{margin:0;font-size:.85rem;color:var(--muted)}
.hs-pay{margin:2px 0 14px;font-family:var(--serif);font-size:2.6rem;line-height:1.05;color:var(--ink);font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.hs-pay small{font-family:var(--sans);font-size:1rem;color:var(--muted);margin-left:4px}
.hs-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px;margin:0 0 16px}
.hs-grid div{border-left:2px solid var(--turq);padding-left:10px}
.hs-grid dt{font-size:.76rem;color:var(--muted)}
.hs-grid dd{margin:0;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums}
.hs-alert{font-size:.84rem;background:var(--warn-bg);color:var(--warn);padding:8px 12px;border-radius:8px}
.hs-note{font-size:.75rem;color:var(--faint);margin:10px 0 0;line-height:1.45}
.hero-sim .field{margin-bottom:10px}
.hero-sim .range-hint{display:none}
.hero-sim .field-row{margin-bottom:0}
.hero-sim .help{font-size:.76rem;margin-top:0}
@media (min-width:960px){.hero-sim{padding:28px 28px 22px}}

/* Campos */
.field{margin-bottom:22px}
.field-row{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:6px}
.field label,.label{font-size:.92rem;font-weight:500;color:var(--ink)}
.input-affix{display:flex;align-items:center;height:44px;border:1px solid var(--line-2);border-radius:var(--r-sm);background:var(--white);width:150px;transition:border-color .15s,box-shadow .15s}
.input-affix:focus-within{border-color:var(--teal);box-shadow:0 0 0 3px rgba(25,210,205,.22)}
.input-affix input{flex:1;min-width:0;border:0;background:transparent;height:100%;padding:0 8px 0 12px;font:600 1rem var(--sans);color:var(--ink);text-align:right;font-variant-numeric:tabular-nums;-moz-appearance:textfield;appearance:textfield}
.input-affix input::-webkit-outer-spin-button,.input-affix input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.input-affix input:focus{outline:none}
.input-affix span{padding-right:12px;color:var(--muted);font-size:.88rem;white-space:nowrap}
.input-affix.wide{width:100%}
.input,.select,textarea,.form input[type=text],.form input[type=email],.form input[type=tel],.form select{width:100%;min-height:48px;border:1px solid var(--line-2);border-radius:var(--r-sm);background:var(--white);padding:10px 12px;font:1rem var(--sans);color:var(--ink);transition:border-color .15s,box-shadow .15s}
.select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5 6 6.5l5-5' fill='none' stroke='%235A667A' stroke-width='1.6' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
.input:focus,.select:focus,textarea:focus,.form input:focus,.form select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(25,210,205,.22)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;cursor:pointer;margin:2px 0 0;--p:50%}
input[type=range]::-webkit-slider-runnable-track{height:4px;border-radius:4px;background:var(--line)}
input[type=range]::-moz-range-track{height:4px;border-radius:4px;background:var(--line)}
input[type=range]::-moz-range-progress{height:4px;border-radius:4px;background:var(--navy)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--white);border:1.5px solid var(--navy);margin-top:-10px;box-shadow:0 2px 6px rgba(1,31,82,.18);transition:transform .15s var(--ease)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--white);border:1.5px solid var(--navy);box-shadow:0 2px 6px rgba(1,31,82,.18)}
input[type=range]:active::-webkit-slider-thumb{transform:scale(1.12)}
input[type=range]:focus-visible{outline:none}
input[type=range]:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 4px rgba(25,210,205,.35)}
.range-hint{display:flex;justify-content:space-between;font-size:.74rem;color:var(--faint);font-variant-numeric:tabular-nums}
.field-num{margin-bottom:6px;min-width:0}
.field-num .label{display:block;margin-bottom:6px}
.adv-grid{display:grid;gap:16px;margin:0 0 16px}
@media (min-width:640px){.adv-grid{grid-template-columns:1fr 1fr}}
.segmented{border:0;padding:0;margin:0 0 22px;min-width:0}
.segmented legend{padding:0;margin-bottom:8px}
.seg{display:flex;flex-wrap:wrap;gap:4px;padding:4px;background:var(--soft);border:1px solid var(--line);border-radius:12px}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label,.seg button{flex:1 1 0;min-width:0;min-height:44px;display:flex;align-items:center;justify-content:center;text-align:center;padding:8px 10px;border-radius:9px;border:0;background:transparent;font:500 .9rem/1.25 var(--sans);color:var(--body);cursor:pointer;transition:background .15s,color .15s,box-shadow .15s}
.seg-2 .seg label{flex:1 1 calc(50% - 4px)}
.seg input:checked+label,.seg button.active{background:var(--white);color:var(--ink);font-weight:600;box-shadow:0 1px 2px rgba(13,27,51,.08),0 0 0 1px var(--line)}
.seg input:focus-visible+label{outline:2px solid var(--teal);outline-offset:1px}
.seg-sm{display:inline-flex}.seg-sm button{flex:0 0 auto;min-height:36px;padding:0 14px}
.check{display:flex;gap:12px;align-items:flex-start;font-size:.93rem;color:var(--body);cursor:pointer;margin:4px 0 18px}
.check input{width:20px;height:20px;margin:2px 0 0;flex:0 0 20px;accent-color:var(--navy)}
.rate-block{padding:16px;border-radius:12px;background:var(--soft);margin:0 0 18px}
.rate-block .adv-grid{margin:0}
.jovem-box{padding:16px;border-radius:12px;background:var(--soft)}
.jovem-box.disabled{opacity:.55}
.jovem-box .check{margin-top:0}

/* Cabeçalho das páginas */
.page-hero{padding:28px 0 36px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--soft),var(--white))}
.page-hero h1{font-size:clamp(2rem,5.6vw,3.1rem);max-width:20ch}
.page-hero .lead{margin-bottom:0}
.hero-meta{margin:16px 0 0;font-size:.82rem;color:var(--muted);display:flex;gap:8px;align-items:flex-start}
.hero-meta::before{content:"";flex:0 0 6px;height:6px;margin-top:.5em;border-radius:50%;background:var(--turq)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0 0 22px;padding:0;font-size:.82rem;color:var(--muted)}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--line-2)}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--ink);text-decoration:underline}
@media (min-width:960px){.page-hero{padding:40px 0 56px}}

/* Grelha de ferramentas */
.tools{list-style:none;margin:0;padding:0;display:grid;gap:0;border-top:1px solid var(--line)}
.tools>li{display:flex}.tools>li>.tool{flex:1}
.tool{display:flex;align-items:center;gap:16px;min-height:76px;padding:16px 4px;text-decoration:none;color:var(--ink);border-bottom:1px solid var(--line);transition:background .15s}
.tool-ico{display:grid;place-items:center;width:44px;height:44px;flex:0 0 44px;border-radius:12px;background:var(--turq-soft);color:var(--teal)}
.tool-txt{flex:1;min-width:0}
.tool-txt strong{display:block;font-weight:600;font-size:1rem}
.tool-txt small{display:block;color:var(--muted);font-size:.88rem;line-height:1.4}
.tool .ico-arrow{width:18px;height:18px;color:var(--faint);transition:transform .2s var(--ease),color .2s}
.tool:hover{color:var(--ink)}
.tool:hover .ico-arrow{transform:translateX(3px);color:var(--ink)}
@media (min-width:720px){
  .tools{grid-template-columns:repeat(2,1fr);gap:16px;border:0}
  .tool{border:1px solid var(--line);border-radius:var(--r);padding:20px;background:var(--white);transition:border-color .2s,box-shadow .2s,transform .2s var(--ease)}
  .tool:hover{border-color:var(--line-2);box-shadow:var(--sh-2);transform:translateY(-2px)}
}
@media (min-width:1080px){.tools{grid-template-columns:repeat(3,1fr)}.tools-2{grid-template-columns:repeat(2,1fr)}}
.section-soft .tool{background:transparent}
@media (min-width:720px){.section-soft .tool{background:var(--white)}}

/* Princípios */
.principles{list-style:none;margin:0;padding:0;display:grid;gap:28px}
.principles li{display:grid;grid-template-columns:40px 1fr;column-gap:12px;padding:18px 0;border-top:1px solid var(--line)}
.principles li>*:not(.p-ico){grid-column:2}
.principles .p-ico{grid-row:1/span 2;align-self:start;padding-top:2px}
.principles h3{margin:0 0 4px;font-size:1.02rem}
.principles p{margin:0;color:var(--muted);font-size:.95rem}
.p-ico{display:inline-grid;place-items:center;color:var(--teal)}
.p-ico .ico{width:28px;height:28px}
@media (min-width:720px){.principles{grid-template-columns:repeat(2,1fr);gap:32px 40px}.principles li{display:block;padding:20px 0 0}.principles h3{margin:14px 0 6px}}
@media (min-width:1080px){.principles{grid-template-columns:repeat(4,1fr)}.principles-2{grid-template-columns:repeat(2,1fr)}}

/* Mercado na página inicial */
.ind-strip{list-style:none;margin:0 0 32px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,.12);border-radius:var(--r);overflow:hidden}
.ind-strip .ind-tile{background:var(--navy);padding:16px}
.ind-strip .ind-label{color:#AFC0DD}
.ind-strip .ind-value{color:#fff}
.ind-strip .ind-when,.ind-strip .ind-src{color:#8EA2C6}
@media (min-width:960px){.ind-strip{grid-template-columns:repeat(4,1fr)}.ind-strip .ind-tile{padding:22px}}
.ind-tile{display:flex;flex-direction:column;gap:2px;min-width:0}
.ind-label{font-size:.8rem;color:var(--muted);line-height:1.35}
.ind-value{font-family:var(--serif);font-size:1.7rem;line-height:1.15;color:var(--ink);font-variant-numeric:tabular-nums;display:flex;flex-wrap:wrap;align-items:baseline;gap:8px}
.ind-when{font-size:.76rem;color:var(--faint)}
.ind-src{font-size:.74rem;color:var(--muted);text-decoration:none}
.ind-src:hover{text-decoration:underline}
.delta{font-family:var(--sans);font-size:.74rem;font-weight:600;padding:2px 6px;border-radius:999px;background:var(--soft);color:var(--muted)}
.delta.up,.delta.down{color:var(--body)}
.section-ink .delta{background:rgba(255,255,255,.1);color:#DCE4F2}
.ind-group{margin:0 0 28px}
.ind-group h3{font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 10px}
.ind-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.ind-grid .ind-tile{background:var(--white);padding:16px}
.ind-grid .ind-tile:last-child:nth-child(odd){grid-column:1/-1}
@media (min-width:960px){.ind-grid{grid-template-columns:repeat(3,1fr)}.ind-grid .ind-tile:last-child:nth-child(odd){grid-column:auto}.ind-grid .ind-tile{padding:22px}}

/* Notícias */
.news-list{list-style:none;margin:0;padding:0;display:grid;border-top:1px solid var(--line)}
.news-list>li{border-bottom:1px solid var(--line)}
.news-item{display:flex;flex-direction:column;gap:6px;padding:18px 0;text-decoration:none;color:var(--ink)}
.news-meta{display:flex;flex-wrap:wrap;gap:4px 12px;font-size:.78rem;color:var(--muted)}
.news-source{font-weight:600;color:var(--teal)}
.news-title{font-size:1.04rem;font-weight:600;line-height:1.4;transition:color .15s}
.news-item:hover .news-title{color:var(--teal)}
.news-sum{font-size:.92rem;color:var(--muted);display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.tag{align-self:flex-start;font-size:.72rem;font-weight:500;color:var(--muted);border:1px solid var(--line);border-radius:999px;padding:2px 9px}
.lang{font-size:.66rem;border:1px solid currentColor;border-radius:4px;padding:0 4px;text-decoration:none;margin-left:4px}
.news-list .empty{padding:20px 0;color:var(--muted)}
.news-list.on-dark{border-top-color:rgba(255,255,255,.14)}
.news-list.on-dark>li{border-bottom-color:rgba(255,255,255,.14)}
.news-list.on-dark .news-item{color:#fff}
.news-list.on-dark .news-meta{color:#8EA2C6}.news-list.on-dark .news-source{color:var(--turq)}
.news-list.on-dark .news-item:hover .news-title{color:var(--turq)}
.news-list.on-dark .skeleton{background:rgba(255,255,255,.06)}
@media (min-width:960px){
  .news-list.on-dark,.block .news-list[data-mode=area]{grid-template-columns:repeat(3,1fr);gap:0 32px;border:0}
  .news-list.on-dark>li,.block .news-list[data-mode=area]>li{border-bottom:0;border-top:1px solid var(--line)}
  .news-list.on-dark>li{border-top-color:rgba(255,255,255,.14)}
  .news-full{grid-template-columns:1fr 1fr;gap:0 48px;border:0}
  .news-full>li{border-top:1px solid var(--line);border-bottom:0}
}
.news-toolbar{display:grid;gap:12px;margin-bottom:12px}
.chips{display:flex;gap:8px;overflow-x:auto;scroll-snap-type:x proximity;scroll-padding-inline:var(--pad);scrollbar-width:none;margin:0 calc(-1 * var(--pad));padding:2px var(--pad) 4px;-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 var(--pad),#000 calc(100% - 28px),transparent)}
.chips::-webkit-scrollbar{display:none}
.chip{flex:0 0 auto;scroll-snap-align:start;min-height:40px;padding:0 16px;border-radius:999px;border:1px solid var(--line-2);background:var(--white);color:var(--body);font:500 .9rem var(--sans);cursor:pointer;transition:background .15s,border-color .15s,color .15s}
.chip:hover{border-color:var(--ink);color:var(--ink)}
.chip.active{background:var(--navy);border-color:var(--navy);color:#fff}
@media (min-width:960px){.chips{margin:0;padding:2px 0;-webkit-mask-image:none;flex-wrap:wrap}}
.refine{border-radius:var(--r-sm)}
.refine summary{display:inline-flex;align-items:center;gap:8px;min-height:40px;cursor:pointer;font-weight:500;color:var(--ink);list-style:none;font-size:.92rem}
.refine summary::-webkit-details-marker{display:none}
.refine summary::after{content:"";width:8px;height:8px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .2s}
.refine[open] summary::after{transform:rotate(-135deg) translateY(-2px)}
.refine-grid{display:grid;gap:12px;padding:8px 0 4px}
@media (min-width:720px){.refine-grid{grid-template-columns:2fr 1.3fr 1.3fr}}
.meta-line{display:flex;align-items:center;gap:8px;font-size:.8rem;color:var(--muted);margin:0 0 12px}
.live-dot{width:7px;height:7px;border-radius:50%;background:var(--turq);box-shadow:0 0 0 3px rgba(25,210,205,.2)}
.news-more{text-align:center;margin-top:24px}
.jump{display:flex;gap:8px;overflow-x:auto;padding:20px 0 0;scrollbar-width:none}
.jump a{flex:0 0 auto;font-size:.88rem;font-weight:500;color:var(--body);text-decoration:none;padding:8px 14px;border-radius:999px;background:var(--soft)}
.jump a:hover{color:var(--ink);background:var(--line)}
.skeleton{min-height:84px;border-radius:var(--r-sm);background:linear-gradient(90deg,var(--soft) 0,#EEF1F5 50%,var(--soft) 100%);background-size:200% 100%;animation:sk 1.4s linear infinite;list-style:none;border:0!important;margin:8px 0}
.sk-sm{min-height:96px;margin:0}
@keyframes sk{to{background-position:-200% 0}}

/* Painéis, tabelas, FAQ */
.panel{border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;background:var(--white);margin:0 0 12px}
details.panel>summary{cursor:pointer;font-weight:600;color:var(--ink);list-style:none;display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:28px}
details.panel>summary::-webkit-details-marker,.faq-item summary::-webkit-details-marker{display:none}
details.panel>summary::after,.faq-item summary::after{content:"";flex:0 0 10px;width:10px;height:10px;border-right:1.5px solid var(--muted);border-bottom:1.5px solid var(--muted);transform:rotate(45deg);transition:transform .2s var(--ease)}
details.panel[open]>summary::after,.faq-item[open] summary::after{transform:rotate(-135deg)}
.table-wrap{overflow-x:auto;margin-top:14px;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:.9rem;font-variant-numeric:tabular-nums}
th,td{text-align:right;padding:10px 12px;border-bottom:1px solid var(--line);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
th{font-weight:600;color:var(--muted);font-size:.8rem}
.tm-table td:first-child{white-space:normal;min-width:200px}
.notes{margin:12px 0 0;padding-left:18px;color:var(--body);font-size:.92rem}
.notes li{margin-bottom:8px}
.faq{border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item summary{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:60px;padding:14px 0;cursor:pointer;font-weight:600;color:var(--ink);list-style:none}
.faq-item div{padding:0 0 18px;color:var(--body);max-width:46rem}
.faq-item div p{margin:0}
.faq-home h2{font-size:clamp(1.6rem,4.2vw,2.35rem)}

/* Página inicial: bandas */
.pro-band,.contact-band{display:grid;gap:20px;align-items:center}
.pro-band p{color:var(--muted);max-width:40rem;margin:0}
.pro-band h2,.contact-band h2{margin-bottom:10px}
.contact-band p{margin:0;color:var(--muted)}
@media (min-width:960px){.pro-band,.contact-band{grid-template-columns:1fr auto;gap:48px}}

/* Crédito e Impostos */
.cred-list{display:grid;gap:0;padding-top:16px}
.cred-item{padding:32px 0;border-bottom:1px solid var(--line)}
.cred-head{display:flex;align-items:center;gap:14px;margin-bottom:10px}
.cred-head h2{margin:0;font-size:clamp(1.5rem,4vw,2rem)}
.cred-item>p{max-width:40rem;color:var(--body)}
.facts{display:grid;gap:0;margin:16px 0 20px;border-top:1px solid var(--line)}
.facts div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line)}
.facts dt{color:var(--muted);font-size:.9rem}
.facts dd{margin:0;font-weight:600;color:var(--ink);text-align:right;font-size:.92rem}
.cred-links{display:flex;align-items:center;gap:20px;margin:0}
@media (min-width:960px){
  .cred-list{grid-template-columns:1fr 1fr;gap:0 64px}
  .cred-item{padding:48px 0}
  .facts{grid-template-columns:repeat(3,1fr);gap:16px;border:0}
  .facts div{flex-direction:column;justify-content:flex-start;gap:4px;border-bottom:0;border-top:2px solid var(--turq);padding-top:12px}
  .facts dd{text-align:left}
}
.checklist{counter-reset:c;list-style:none;margin:0;padding:0;display:grid;gap:0;max-width:46rem}
.checklist li{counter-increment:c;position:relative;padding:16px 0 16px 48px;border-bottom:1px solid var(--line);color:var(--body)}
.checklist li::before{content:counter(c);position:absolute;left:0;top:14px;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;font-family:var(--serif);font-size:1rem;color:var(--teal);box-shadow:inset 0 0 0 1px var(--line-2)}
.checklist strong{display:block;color:var(--ink)}

/* Profissionais */
.pro-list{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.pro-row{display:flex;align-items:center;gap:16px;padding:18px 4px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}
.pro-row>span:nth-child(2){flex:1;min-width:0}
.pro-row strong{display:block}
.pro-row small{display:block;font-size:.9rem;color:var(--muted)}
.pro-row .pro-who{color:var(--teal);font-size:.8rem;font-weight:500;margin:2px 0 4px}
.pro-row .ico-arrow{width:18px;height:18px;color:var(--faint);transition:transform .2s var(--ease)}
.pro-row:hover .ico-arrow{transform:translateX(3px);color:var(--ink)}

/* Simuladores */
.sim{display:grid;gap:24px;padding-top:28px}
.sim>*{min-width:0}
@media (min-width:960px){.sim{grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:40px;align-items:start;padding-top:48px}}
.sim-form{min-width:0}
.step{border:0;margin:0;padding:0 0 8px;min-width:0}
.step+.step{border-top:1px solid var(--line);padding-top:24px;margin-top:8px}
.step-head{display:flex;align-items:center;gap:12px;padding:0;margin:0 0 18px;font-family:var(--serif);font-size:1.3rem;color:var(--ink);font-weight:500}
.step-n{display:grid;place-items:center;width:30px;height:30px;flex:0 0 30px;border-radius:50%;font-family:var(--sans);font-size:.85rem;font-weight:600;color:var(--teal);box-shadow:inset 0 0 0 1px var(--line-2)}
.stepper-progress{display:none}
.sim-form.stepper .stepper-progress{display:flex;align-items:center;gap:12px;margin:0 0 20px;font-size:.8rem;color:var(--muted)}
.sp-track{flex:1;height:3px;border-radius:3px;background:var(--line);overflow:hidden}
.sp-fill{display:block;height:100%;width:0;background:var(--teal);transition:width .3s var(--ease)}
.sim-form.stepper .step{display:none;border:0;padding-top:0;margin-top:0}
.sim-form.stepper .step.is-current{display:block;animation:in .25s var(--ease)}
@keyframes in{from{opacity:0;transform:translateX(8px)}to{opacity:1;transform:none}}
.loans{border:0;padding:0;margin:0 0 12px;min-width:0}
.loan-head{display:none}
.loan-row{display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:12px;border-radius:12px;background:var(--soft);margin-bottom:8px;position:relative}
.loan-row .input{grid-column:1/-1;padding-right:48px}
.loan-row .input-affix{width:100%}
.loan-row .input-affix input{text-align:left}
.loan-row .icon-btn{position:absolute;top:16px;right:16px}
.icon-btn{width:36px;height:36px;border-radius:50%;border:1px solid var(--line-2);background:var(--white);color:var(--muted);font-size:1.25rem;line-height:1;cursor:pointer}
.icon-btn:hover{color:var(--danger);border-color:var(--danger)}
#add-loan{color:var(--ink)}
@media (min-width:700px){
  .loan-head{display:grid;grid-template-columns:1.3fr 1fr 1fr .9fr 36px;gap:8px;font-size:.76rem;color:var(--muted);padding:0 2px 6px}
  .loan-row{grid-template-columns:1.3fr 1fr 1fr .9fr 36px;padding:0;background:transparent;margin-bottom:8px}
  .loan-row .input{grid-column:auto;padding-right:12px}
  .loan-row .icon-btn{position:static;align-self:center}
}

/* Resultado */
.sim-result{background:var(--navy);color:#C9D4E8;border-radius:var(--r-lg);padding:24px 22px;outline:none}
@media (min-width:960px){.sim-result{position:sticky;top:calc(var(--hdr) + 20px);padding:32px}}
.res-title{font-family:var(--sans);font-size:.85rem;font-weight:500;color:#AFC0DD;margin:0;letter-spacing:.01em}
.payment{margin:4px 0 4px;font-family:var(--serif);font-size:clamp(2.6rem,9vw,3.4rem);font-weight:500;line-height:1.05;color:#fff;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.payment small{font-family:var(--sans);font-size:1rem;color:#AFC0DD;letter-spacing:0}
.sim-result.tick .payment{animation:tick .35s var(--ease)}
@keyframes tick{from{opacity:.55}to{opacity:1}}
.res-sub{font-size:.85rem;color:#AFC0DD;margin:0}
.result-list{list-style:none;margin:20px 0 16px;padding:0;border-top:1px solid rgba(255,255,255,.12)}
.result-list li{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:.93rem}
.result-list strong{color:#fff;font-weight:600;white-space:nowrap;font-variant-numeric:tabular-nums;text-align:right}
.result-list:empty{display:none}
.viz{margin:20px 0 4px}
.viz-bar{display:flex;height:8px;border-radius:8px;overflow:hidden;background:rgba(255,255,255,.12)}
.viz-bar span{display:block;height:100%;transition:width .35s var(--ease)}
#viz-cap{background:#fff}#viz-int{background:var(--turq)}
.viz-legend{display:flex;flex-wrap:wrap;gap:6px 18px;margin-top:10px;font-size:.82rem;color:#AFC0DD}
.viz-legend i{display:inline-block;width:8px;height:8px;border-radius:2px;margin-right:6px;vertical-align:1px}
.viz-legend b{color:#fff;font-weight:600;margin-left:4px;font-variant-numeric:tabular-nums}
.k-cap{background:#fff}.k-int{background:var(--turq)}
.viz-read{margin:10px 0 0;font-size:.9rem;color:#DCE4F2;line-height:1.5}
.r-alert{font-size:.86rem;line-height:1.5;border-radius:10px;padding:10px 12px;margin:0 0 8px;background:rgba(255,255,255,.07);color:#DCE4F2}
.r-alert.warn{background:#FBF3E4;color:#5C3B00}
.r-alert.ok{background:rgba(25,210,205,.14);color:#D4F7F5}
.r-alert a{color:var(--turq)}
.r-alert.warn a{color:#5C3B00}
.res-actions{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 0;color:#fff}
.share-status{font-size:.84rem;color:var(--turq);margin:8px 0 0;min-height:1.2em;word-break:break-all}
.disclaimer{font-size:.78rem;color:#8EA2C6;line-height:1.5;margin:14px 0 0}
.sim-result .btn{background:var(--turq);color:var(--navy)}
.gauge-card{margin-top:24px}
.gauge{position:relative;height:10px;border-radius:10px;background:linear-gradient(90deg,#E7F5EE 0 40%,#FBF3E4 40% 45%,#FBE9E7 45%);margin:28px 0 8px}
.gauge-fill{height:100%;border-radius:10px;transition:width .3s var(--ease)}
.gauge-fill.good{background:var(--ok)}.gauge-fill.mid{background:#B7791F}.gauge-fill.bad{background:var(--danger)}
.gauge-mark{position:absolute;top:-6px;bottom:-6px;width:2px;background:var(--ink)}
.gauge-mark span{position:absolute;top:-22px;left:-14px;font-size:.75rem;font-weight:600;color:var(--ink)}
.schedule{margin-top:24px}
.schedule-tools{margin-top:12px}
.how .sources{margin-top:28px;padding:20px;border-radius:var(--r);background:var(--soft);max-width:44rem}
.how .sources h3{font-size:.95rem;margin:0 0 10px}
.how .sources ul{margin:0;padding-left:18px;font-size:.9rem}
.how .sources li{margin-bottom:6px}
.tools-rel{margin-top:4px}

/* Barra fixa do simulador (telemóvel) */
.stepbar{position:fixed;left:0;right:0;bottom:0;z-index:55;display:flex;align-items:center;justify-content:space-between;gap:12px;padding:10px var(--pad) calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-top:1px solid var(--line);box-shadow:0 -10px 30px -18px rgba(13,27,51,.35)}
.stepbar-res{display:flex;flex-direction:column;min-width:0;transition:opacity .2s}
.stepbar-label{font-size:.72rem;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
#stepbar-val{font-family:var(--serif);font-size:1.3rem;font-weight:500;color:var(--ink);font-variant-numeric:tabular-nums;white-space:nowrap}
.stepbar-btns{display:flex;gap:4px;align-items:center;flex:0 0 auto}
.stepbar-btns .btn{white-space:nowrap}
.stepbar.res-visible .stepbar-res{opacity:.35}
body.has-stepbar .site-footer{padding-bottom:96px}
@media (min-width:960px){.stepbar{display:none!important}}

/* Contacto e formulário */
.contact-grid{display:grid;gap:20px;padding-top:28px;padding-bottom:72px}
@media (min-width:960px){.contact-grid{grid-template-columns:1.4fr 1fr;gap:40px;padding-top:48px;padding-bottom:104px}}
.form{padding:22px}
.form-grid{display:grid;gap:16px}
.form-grid label{display:block;font-size:.92rem;font-weight:500;color:var(--ink);margin-bottom:6px}
.form-grid .check{display:flex;font-weight:400}
textarea{min-height:150px;resize:vertical}
@media (min-width:640px){.form-grid{grid-template-columns:1fr 1fr}.form-grid .full{grid-column:1/-1}}
.req{color:var(--danger)}
.error-msg{color:var(--danger);font-size:.82rem;margin:4px 0 0;min-height:0}
[aria-invalid="true"]{border-color:var(--danger)!important}
.hp{position:absolute;left:-9999px}
.alert{padding:12px 14px;border-radius:10px;margin-bottom:12px;font-size:.93rem}
.alert-ok{background:#E7F5EE;color:#0B5A3D}.alert-err{background:#FBE9E7;color:#8A1C12}
.contact-aside .panel p{margin:0}
.doc{padding:32px 0 72px}
.doc h2{font-size:1.35rem;margin-top:1.6em}

/* Rodapé */
.site-footer{background:#00163D;color:#AFC0DD;padding:56px 0 32px;font-size:.92rem}
.site-footer a{color:#DCE4F2;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-top{display:flex;flex-direction:column;gap:12px;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.1)}
.site-footer .logo-img{height:48px}
.footer-claim{margin:0;color:#AFC0DD}
.footer-grid{display:grid;gap:28px;padding:28px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-grid h2{font-family:var(--sans);font-size:.75rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#8EA2C6;margin:0 0 12px}
.footer-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:4px}
.footer-grid li a{display:inline-flex;min-height:36px;align-items:center}
@media (min-width:720px){.footer-grid{grid-template-columns:repeat(3,1fr)}}
@media (min-width:960px){.footer-top{flex-direction:row;justify-content:space-between;align-items:center}}
.legal{padding-top:20px;font-size:.8rem;line-height:1.6;color:#8EA2C6}
.legal p{margin:0 0 8px;max-width:60rem}
.legal strong{color:#DCE4F2}

/* Impressão / PDF */
@media print{
  @page{margin:16mm 14mm}
  body{font-size:11pt;color:#000;background:#fff}
  .status-line,.site-header,.site-footer,.page-hero,.stepbar,.no-print,.faq,#faq-title,.block:not(.how),.schedule,.skip-link,.sim-form,.note,.gauge-card,.tool-links{display:none!important}
  .print-only{display:block!important}
  .print-head{display:flex!important;align-items:center;justify-content:space-between;gap:16px;border-bottom:1px solid #ccc;padding-bottom:10px;margin-bottom:14px}
  .print-head div{text-align:right}.print-head strong{display:block;font-size:13pt;color:#011F52}.print-head span{font-size:9pt;color:#555}
  .print-summary h2{font-family:var(--sans);font-size:11pt;margin:0 0 6px;color:#011F52}
  .print-summary dl{display:grid;grid-template-columns:1fr 1fr;gap:0 24px;margin:0 0 12px}
  .print-summary dl div{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid #e5e5e5;padding:4px 0;font-size:9.5pt;break-inside:avoid}
  .print-summary dd{margin:0;font-weight:600;text-align:right}
  .print-url{font-size:8pt;color:#555;word-break:break-all}
  .sim{display:block;padding:0}
  .sim-result{position:static;background:#fff!important;color:#000;border:1px solid #011F52;border-radius:8px;padding:12px 14px}
  .share-status{display:none!important}
  .payment{font-size:24pt!important;margin:2px 0}
  .result-list{margin:10px 0}.result-list li{font-size:9.5pt;break-inside:avoid}
  .viz{margin:10px 0 4px}.viz-read{font-size:9.5pt}
  .r-alert{font-size:9pt;padding:6px 8px}
  .disclaimer{font-size:8pt;margin-top:8px}
  .res-title,.res-sub,.disclaimer,.viz-legend,.viz-read{color:#333!important}
  .payment,.payment small,.result-list strong,.viz-legend b{color:#011F52!important}
  .result-list{border-color:#ddd}.result-list li{border-color:#ddd;padding:3px 0}
  .r-alert{background:#f4f4f4!important;color:#222!important}
  .viz-bar{background:#eee;-webkit-print-color-adjust:exact;print-color-adjust:exact}#viz-cap{background:#011F52!important}#viz-int{background:#19D2CD!important}
  .k-cap{background:#011F52!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}.k-int{background:#19D2CD!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .how{padding:12px 0 0!important}.how .eyebrow{display:none}.how h2{font-size:12pt}.how .prose p{font-size:9.5pt}
  .how .sources{background:#fff;border:1px solid #ddd;padding:10px}
  a{color:#000;text-decoration:none}
}

/* ===== v3: frase simples, próximo passo, datas das tabelas, recentes, comparação, guia ===== */
.res-plain{margin:12px 0 0;font-size:.95rem;line-height:1.5;color:#E6ECF6}
.res-plain:empty{display:none}
.res-date{font-size:.78rem;color:#AFC0DD;margin:14px 0 0;padding-top:12px;border-top:1px solid rgba(255,255,255,.12)}
.next-step{margin:18px 0 0}
.ns-eyebrow{margin:0 0 6px;font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--turq)}
.ns-link{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:56px;padding:14px 16px;border-radius:var(--r-sm);background:rgba(255,255,255,.07);box-shadow:inset 0 0 0 1px rgba(255,255,255,.14);color:#fff;text-decoration:none;transition:background .15s,box-shadow .15s}
.ns-link:hover{background:rgba(255,255,255,.11);box-shadow:inset 0 0 0 1px rgba(25,210,205,.6)}
.ns-link strong{display:block;font-weight:600;font-size:.95rem}
.ns-link small{display:block;color:#AFC0DD;font-size:.84rem;margin-top:2px;line-height:1.4}
.ns-link .ico{width:20px;height:20px;flex:0 0 20px;color:var(--turq);transition:transform .15s var(--ease)}
.ns-link:hover .ico-arrow{transform:translateX(3px)}
.print-opts{margin:12px 0 0;font-size:.88rem;color:#C9D4E8}
.print-opts summary{cursor:pointer;min-height:40px;display:flex;align-items:center;color:#DCE4F2}
.print-opts .field-num{margin:6px 0 10px}
.print-opts .label{color:#DCE4F2}
.print-opts .input{background:#fff}
.print-opts .check{color:#DCE4F2;margin-bottom:6px}
.print-opts .check input{accent-color:var(--turq)}
.print-opts .help{color:#8EA2C6}
.table-date{display:inline-flex;align-items:center;gap:8px}
.table-date::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--teal);flex:0 0 7px}
.recentes{margin:28px 0 0;padding:18px 20px;border-radius:var(--r);border:1px solid var(--line);background:#fff}
.rec-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:6px}
.rec-head h2{margin:0}
.rec-list{list-style:none;margin:0;padding:0}
.rec-item{display:grid;grid-template-columns:1fr auto;gap:2px 14px;padding:11px 0;border-top:1px solid var(--line);text-decoration:none;color:var(--body);min-height:44px}
.rec-list li:first-child .rec-item{border-top:0}
.rec-item:hover .rec-tool{color:var(--teal)}
.rec-tool{font-weight:600;color:var(--ink)}
.rec-res{grid-column:1;font-size:.88rem;color:var(--muted)}
.rec-res strong{color:var(--ink);font-variant-numeric:tabular-nums}
.rec-item time{grid-row:1/3;grid-column:2;align-self:center;font-size:.8rem;color:var(--faint);white-space:nowrap}
.recentes .help{margin:10px 0 0}
.btn-link{border:0;background:none;padding:6px 2px;min-height:32px;font:500 .86rem var(--sans);color:var(--teal);cursor:pointer;text-decoration:underline;text-underline-offset:3px}
.section-soft .recentes{margin-top:32px}
.guide-link{margin:20px 0 0}
.cmp-panel{margin-top:24px}
.cmp-panel h2{margin-top:0}
.cmp-table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums}
.cmp-table th,.cmp-table td{padding:10px 8px;border-bottom:1px solid var(--line);text-align:right;font-size:.92rem;vertical-align:top}
.cmp-table th:first-child,.cmp-table tbody th{text-align:left;font-weight:500;color:var(--ink)}
.cmp-table thead th{font-size:.82rem;color:var(--muted);font-weight:600}
.cmp-table thead small{display:block;font-weight:400;font-size:.76rem;color:var(--faint);margin-top:2px;max-width:12rem;margin-left:auto}
.cmp-table tr.tot th,.cmp-table tr.tot td{font-weight:700;color:var(--ink);border-bottom:0}
.cmp-read{margin:12px 0 0;font-size:.95rem;color:var(--ink)}
@media (max-width:520px){.cmp-table th,.cmp-table td{padding:9px 4px;font-size:.84rem}.cmp-table thead small{max-width:7.5rem}}
.seo-copy .prose{max-width:44rem}
.guia-grid{display:grid;gap:14px;margin-top:8px}
@media (min-width:760px){.guia-grid{grid-template-columns:1fr 1fr}}
.guia-item{padding:18px 20px;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.guia-item h3{font-size:1rem;margin:0 0 8px;color:var(--ink)}
.guia-item ul{margin:0;padding-left:18px;font-size:.92rem;line-height:1.55}
.guia-item li{margin-bottom:4px}
.guia .help{margin-top:14px;max-width:48rem}
@media print{
  .print-prep{display:block;margin-top:2px;font-size:9pt;color:#011F52!important;font-weight:600}
  .res-plain{color:#111!important;font-size:10pt}
  .res-date{color:#333!important;border-color:#ddd;font-size:8pt}
  .cmp-panel{display:block!important;border:1px solid #ddd;padding:10px 12px;margin-top:10px;break-inside:avoid}
  .cmp-panel[hidden]{display:none!important}
  .cmp-table th,.cmp-table td{font-size:9pt;padding:4px 6px}
  body.print-compact{font-size:9.5pt}
  body.print-compact .how,body.print-compact .viz,body.print-compact .print-url{display:none!important}
  body.print-compact .print-head{padding-bottom:6px;margin-bottom:8px}
  body.print-compact .print-summary dl{grid-template-columns:1fr 1fr 1fr;gap:0 16px}
  body.print-compact .print-summary dl div{font-size:8.5pt;padding:2px 0}
  body.print-compact .payment{font-size:18pt!important}
  body.print-compact .result-list li{font-size:8.5pt;padding:2px 0}
  body.print-compact .r-alert{font-size:8pt;padding:3px 6px;margin-bottom:4px}
}
.cmp-table{table-layout:fixed}
.cmp-table th:first-child{width:34%}
@media print{
  .cmp-panel .table-wrap{overflow:visible!important}
  .cmp-table thead small{max-width:none;margin-left:0;font-size:7.5pt;color:#555!important}
  .cmp-table th,.cmp-table td{color:#000!important;background:#fff!important}
}
.cmp-legend{display:grid;gap:6px;margin:0 0 12px;font-size:.88rem}
.cmp-legend div{display:flex;gap:10px;align-items:baseline}
.cmp-legend dt{flex:0 0 22px;height:22px;border-radius:6px;background:var(--navy);color:#fff;font-weight:600;font-size:.78rem;display:inline-flex;align-items:center;justify-content:center}
.cmp-legend div+div dt{background:var(--teal)}
.cmp-legend dd{margin:0;color:var(--body)}
@media (max-width:560px){
  .cmp-table,.cmp-table thead,.cmp-table tbody{display:block}
  .cmp-table tr{display:grid;grid-template-columns:repeat(3,1fr);column-gap:8px}
  .cmp-table thead th:first-child{display:none}
  .cmp-table tbody th{grid-column:1/-1;padding:10px 0 2px;border-bottom:0;font-size:.86rem;color:var(--muted)}
  .cmp-table td{padding:2px 0 10px;font-size:.92rem}
  .cmp-table thead th{padding:4px 0 8px}
  .cmp-table th:first-child{width:auto}
  .cmp-table tr.tot th{color:var(--ink)}
}
@media print{.cmp-legend{font-size:8.5pt;margin-bottom:6px}.cmp-legend dt{-webkit-print-color-adjust:exact;print-color-adjust:exact}}
.cred-links{flex-wrap:wrap;row-gap:12px}
.cred-links .btn{white-space:nowrap}

/* ---------- v5: newsletter, garantia pública, blog ---------- */
.nl{display:grid;gap:18px;padding:28px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.nl h2{font-family:var(--serif);font-size:1.35rem;font-weight:500;color:#fff;margin:0 0 6px;text-transform:none;letter-spacing:-.01em}
.nl p{margin:0;color:#B9C6DC;font-size:.93rem}
.nl-form{display:grid;gap:10px}
.nl-row{display:flex;gap:8px;flex-wrap:wrap}
.nl-row .input{flex:1 1 220px;min-height:48px}
.nl-form .check{margin:0;font-size:.85rem}
.nl-legal{font-size:.8rem!important}
.nl-status{font-size:.88rem;margin:0;min-height:1.2em}
.nl-status.ok{color:var(--ok)}.nl-status.err{color:var(--danger)}
.site-footer .nl-status.ok{color:#7FE0B5}.site-footer .nl-status.err{color:#FFB4AB}.site-footer .nl-status.info,.site-footer .nl-form .check{color:#B9C6DC}
.site-footer .nl a{color:var(--turq)}
@media (min-width:860px){.nl{grid-template-columns:1fr 1.2fr;align-items:start}}
.nl-sim{border:1px solid var(--line);border-radius:var(--r);background:var(--soft);padding:24px;margin:40px 0}
.nl-sim h2{font-family:var(--serif);font-size:1.3rem;margin:0 0 6px}
.nl-sim p{margin:0 0 12px}
.nl-sim .nl-form .check{color:var(--body)}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.gpj-panel{border:1px solid var(--line);border-left:4px solid var(--turq);border-radius:var(--r);padding:18px 20px;margin:0 0 24px;background:var(--turq-soft)}
.gpj-panel h2{font-size:1.15rem;margin:0 0 6px}.gpj-panel p{margin:0 0 8px}
.gpj-check{list-style:none;margin:0;padding:0;display:grid;gap:6px;font-size:.93rem}
.gpj-check li span{display:inline-block;width:1.3em;font-weight:700}
.gpj-check li.ok span{color:var(--ok)}.gpj-check li.ko span{color:var(--danger)}
.post-list{list-style:none;margin:0 0 56px;padding:0;display:grid;gap:16px}
@media (min-width:860px){.post-list{grid-template-columns:repeat(2,1fr)}}
.post-card{display:block;height:100%;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:var(--body);background:#fff;box-shadow:var(--sh-1)}
.post-card:hover{border-color:var(--line-2);box-shadow:var(--sh-2)}
.post-card h2{font-size:1.25rem;margin:6px 0 8px;color:var(--ink)}
.post-meta{font-size:.82rem;color:var(--muted);margin:0}
.article{padding:32px 0 24px}
.article .prose{max-width:44rem}
.article h2{font-size:1.4rem;margin-top:1.6em}
.article table{border-collapse:collapse;width:100%;font-size:.93rem;margin:0 0 1.2em}
.article th,.article td{border-bottom:1px solid var(--line);padding:8px 6px;text-align:left}
.article td.n,.article th.n{text-align:right;white-space:nowrap}
.legal-note{background:var(--soft);border:1px solid var(--line);border-radius:var(--r-sm);padding:14px 16px;font-size:.88rem;margin:24px 0}
.art-sources{font-size:.9rem}
.art-cta{display:flex;flex-wrap:wrap;gap:10px;margin:20px 0}
.read-blog{margin:24px 0}

/* ===== v5 página inicial: 5 blocos curtos, telemóvel primeiro ===== */
.hero5{padding:44px 0 48px;text-align:left}
.hero5 h1{font-size:clamp(2.1rem,7.4vw,3.9rem);max-width:16ch;margin-bottom:14px;letter-spacing:-.02em}
.hero5 .lead{font-size:1.08rem;max-width:34ch;margin:0}
.hero-cta{margin:26px 0 0}
.btn-hero{background:var(--turq);color:var(--navy);min-height:56px;padding:0 32px;font-size:1.05rem}
.btn-hero:hover{background:#fff;color:var(--navy)}
.s5{padding:40px 0}
.h5{font-size:clamp(1.45rem,4.6vw,2rem);margin:0 0 18px}
.head5{display:flex;justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:18px}.head5 .h5{margin:0}
.sim-cards{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.sim-card{display:flex;flex-direction:column;gap:6px;height:100%;padding:18px 16px;border-radius:var(--r-lg);background:var(--white);box-shadow:0 0 0 1px var(--line),0 12px 28px -22px rgba(1,31,82,.45);color:var(--body);text-decoration:none;transition:transform .15s var(--ease),box-shadow .15s}
.sim-card:hover{transform:translateY(-2px);box-shadow:0 0 0 1px var(--navy),0 18px 34px -22px rgba(1,31,82,.55)}
.sim-card strong{font-family:var(--serif);font-size:1.12rem;line-height:1.2;color:var(--ink);margin-top:6px}
.sim-card small{font-size:.86rem;color:var(--muted);line-height:1.35}
.sc-go{margin-top:auto;padding-top:8px;display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:.9rem;color:var(--teal)}
.sc-go .ico{width:16px;height:16px}
.more5{margin:18px 0 0}
.why{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.why li{display:flex;gap:14px;align-items:flex-start}
.why h3{font-size:1.02rem;margin:0 0 2px;font-family:var(--sans);font-weight:600}
.why p{margin:0;color:var(--muted);font-size:.95rem}
.post-3{display:grid;gap:12px;list-style:none;margin:0;padding:0}
.post-3 .post-card h3{font-size:1.05rem;margin:4px 0 0;line-height:1.3}
.end5{display:grid;gap:22px}
.nl5 h2{margin-bottom:4px}.nl5 p{margin:0 0 14px;color:#C9D4E8}
.nl5 .check span,.nl5 .nl-legal{color:#AFC0DD}.nl5 .nl-legal a{color:#fff}
.contact5{margin:0;color:#C9D4E8}.contact5 a{color:#fff;font-weight:600}
@media (min-width:760px){.sim-cards{grid-template-columns:repeat(4,1fr);gap:16px}.sim-card{padding:24px 22px}.why{grid-template-columns:repeat(3,1fr);gap:28px}.post-3{grid-template-columns:repeat(3,1fr);gap:16px}}
@media (min-width:960px){.hero5{padding:96px 0 104px}.s5{padding:64px 0}.end5{grid-template-columns:1.4fr 1fr;align-items:end;gap:48px}}
@media (max-width:719px){.footer-grid{grid-template-columns:1fr 1fr;gap:22px 16px}.footer-grid>div:last-child{grid-column:1/-1}.footer-grid li a{min-height:32px;font-size:.9rem}}
@media (max-width:959px){.s5{padding:30px 0}.hero5{padding:34px 0 38px}.h5{margin-bottom:14px}.post-3 .post-card{padding:14px 16px}.post-3 .post-meta{margin:0}}
/* v5: texto longo recolhido em secções expansíveis */
details.fold{margin:0 0 10px;padding:0}
details.fold>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:52px;padding:12px 18px}
details.fold>summary::-webkit-details-marker{display:none}
details.fold>summary::after{content:"+";font:400 1.4rem/1 var(--sans);color:var(--teal)}
details.fold[open]>summary::after{content:"\2212"}
details.fold>summary h2,details.fold>summary h3{margin:0;font-size:1rem;font-family:var(--sans);font-weight:600}
details.fold>:not(summary){margin-left:18px;margin-right:18px}
details.fold>:last-child{margin-bottom:16px}
.folds{display:block}
@media print{details.fold>summary::after{content:none}}
.nl5 .btn{background:var(--turq);color:var(--navy)}.nl5 .btn:hover{background:#fff}
/* v5 guias e faixa Atualizado */
.upd5{display:flex;flex-wrap:wrap;align-items:center;gap:.5rem 1rem;margin:0 0 1rem}
.upd5 .upd-k{margin:0;font-weight:600}.upd5 .upd-k small{font-weight:400;opacity:.7;margin-left:.25rem}
.upd-eur{display:flex;gap:.5rem;list-style:none;margin:0;padding:0}
.upd-eur li{border:1px solid rgba(0,0,0,.12);border-radius:999px;padding:.2rem .7rem;font-size:.9rem}
.upd-eur span{opacity:.7;margin-right:.3rem}
.guia-steps{list-style:none;padding:0;margin:0 0 2rem}.guia-step{padding:1rem 0;border-bottom:1px solid rgba(0,0,0,.08)}