/* ════════════════════════════════════════════════════════════════
   CONSUMO DA VIDA — components.css
   Todos os componentes reutilizáveis: cards, forms, botões,
   badges, modals, gráficos, simulador e comparison cards.
════════════════════════════════════════════════════════════════ */

/* ── Acessibilidade: focus visível (WCAG 2.4.7) ─────────── */
:focus-visible { outline: 2.5px solid var(--azul); outline-offset: 3px; border-radius: 4px; }
.btn-calc:focus-visible,.btn-yes:focus-visible,.btn-reflect:focus-visible,.btn-share:focus-visible,
.cross-cta-btn:focus-visible,.nav-link:focus-visible,.tool-card:focus-visible,
.nav-brand:focus-visible,.btn-refresh:focus-visible,.btn-clear:focus-visible,
.hist-del:focus-visible,.theme-btn:focus-visible,.nav-toggle:focus-visible,
.btn-add-bank:focus-visible { outline: none; box-shadow: 0 0 0 3px rgba(37,99,235,.40); }
input:focus-visible,.money-input-plain:focus-visible,.money-prefix:focus-within,
.year-slider:focus-visible,select:focus-visible { outline: none; }
.switch input:focus-visible + .switch-slider { outline: none; box-shadow: 0 0 0 3px rgba(37,99,235,.40); }

/* Placeholder — WCAG 1.4.3 (opacidade forçada) */
::placeholder { color: var(--text3); opacity: 1; }
[data-theme="dark"] ::placeholder { color: var(--text3); }

/* Redução de movimento — WCAG 2.3.3 */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  html { scroll-behavior: auto; }
}

/* ── Card base ─────────────────────────────────────────────── */
.card {
  background: var(--surface); border: 1px solid var(--border2);
  border-radius: var(--radius);
  padding: clamp(20px,4vw,32px); margin-bottom: 20px;
  box-shadow: 0 1px 2px rgba(0,0,0,.07), 0 4px 12px rgba(0,0,0,.05);
  transition: box-shadow .25s; width: 100%;
}
.card:hover { box-shadow: 0 4px 12px rgba(0,0,0,.10), 0 16px 40px rgba(0,0,0,.08) !important; }

/* ── Seções e grids internos ───────────────────────────────── */
.section-label { font-size: 11px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: var(--text3); margin-bottom: 20px; }
.section-label { color: var(--text2); opacity: .7; }
.section-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px; gap: 8px; }
.grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(12px,2vw,16px); }
.full  { grid-column: 1 / -1; }

/* ── Campos de formulário ──────────────────────────────────── */
.field { display: flex; flex-direction: column; gap: 7px; }
.field-label { display: flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 500; color: var(--text2); }

/* Inputs e selects */
input[type=text], input[type=number], .money-input-plain, select {
  width: 100%; padding: 12px 14px; font-size: 15px; font-family: 'DM Sans', sans-serif;
  background: var(--surface); border: 1.5px solid var(--border-ctrl);
  border-radius: var(--radius-sm); color: var(--text);
  transition: border-color .2s, box-shadow .2s, background .2s;
  outline: none; -moz-appearance: textfield;
}
input[type=text]:focus, .money-input-plain:focus, input[type=number]:focus, select:focus {
  border-color: var(--azul);
  box-shadow: 0 0 0 3px rgba(37,99,235,.18), 0 0 0 1px var(--azul);
  background: var(--surface);
}
input::placeholder, .money-input-plain::placeholder { color: var(--text3); opacity: 1; }
[data-theme="dark"] input::placeholder, [data-theme="dark"] .money-input-plain::placeholder { color: var(--text3); opacity: 1; }
input::-webkit-outer-spin-button, input::-webkit-inner-spin-button { -webkit-appearance: none; }
select {
  appearance: none; -webkit-appearance: none; cursor: pointer; color-scheme: light dark;
  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 1l5 5 5-5' stroke='%23525A6A' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center;
}
.error-field { border-color: var(--red) !important; }
.err-msg { font-size: 12px; color: var(--red); display: none; margin-top: 2px; }

/* Help icons com tooltip */
.help-icon { width: 16px; height: 16px; background: var(--bg2); border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; font-size: 10px; font-weight: 700; color: var(--text3); cursor: default; position: relative; flex-shrink: 0; }
.help-icon:hover .tip, .help-icon:focus-within .tip { opacity: 1; pointer-events: auto; }
.tip { position: absolute; bottom: calc(100% + 8px); left: 50%; transform: translateX(-50%); background: var(--text); color: var(--surface); font-size: 12px; padding: 8px 12px; border-radius: 8px; max-width: min(220px,80vw); white-space: normal; z-index: 300; opacity: 0; transition: opacity .15s; pointer-events: none; line-height: 1.5; min-width: 140px; }
[data-theme="dark"] .tip { background: #000; color: #fff; }
.tip::after { content: ''; position: absolute; top: 100%; left: 50%; transform: translateX(-50%); border: 5px solid transparent; border-top-color: var(--text); }
[data-theme="dark"] .tip::after { border-top-color: #000; }

/* Prefill hint */
.prefill-hint { font-size: 12px; color: var(--azul); cursor: pointer; text-decoration: underline; margin-top: 4px; display: inline-block; transition: opacity .15s; }
.prefill-hint:hover { opacity: .7; }

/* ── Botões ────────────────────────────────────────────────── */
.btn-calc {
  width: 100%; padding: 15px; background: linear-gradient(135deg,var(--azul-dk),var(--azul));
  color: #fff; border: none; border-radius: var(--radius-sm); font-size: 16px; font-weight: 600;
  font-family: 'DM Sans',sans-serif; cursor: pointer; margin-top: 20px;
  transition: background .2s, transform .15s, box-shadow .2s; letter-spacing: .2px;
  box-shadow: var(--shadow-btn);
}
.btn-calc:hover  { background: linear-gradient(135deg,#1C3B9E,var(--azul-dk)); transform: translateY(-1px); }
.btn-calc:active { transform: scale(.98); }
.btn-calc.btn-teal { background: linear-gradient(135deg,var(--teal-dk),var(--teal)); box-shadow: 0 4px 16px rgba(15,118,110,.25); }
.btn-calc.btn-teal:hover { background: linear-gradient(135deg,#0C4A45,var(--teal-dk)); }
.btn-clear { font-size: 12px; color: var(--red); background: none; border: none; cursor: pointer; font-family: 'DM Sans',sans-serif; font-weight: 600; }
.btn-share { display: flex; align-items: center; gap: 7px; padding: 10px 18px; border: 1.5px solid var(--border); border-radius: 50px; background: transparent; color: var(--text2); font-size: 13px; font-family: 'DM Sans',sans-serif; cursor: pointer; transition: all .2s; font-weight: 500; }
.btn-share:hover { background: var(--azul-3xl); border-color: var(--azul); color: var(--azul); }

/* ── Resultados (Calculadora) ──────────────────────────────── */
.results, .plan-results { display: none; }
.results.visible, .plan-results.visible { display: block; animation: slideUp .4s ease both; }
@keyframes slideUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: translateY(0); } }
.greeting     { font-family: 'DM Serif Display',serif; font-size: clamp(20px,3vw,26px); color: var(--text); margin-bottom: 4px; }
.greeting-sub { font-size: 14px; color: var(--text2); margin-bottom: 24px; }
.copy-ok { font-size: 12px; color: var(--teal); display: none; align-items: center; gap: 4px; font-weight: 600; }
[data-theme="dark"] .copy-ok { color: var(--teal-lt); }
.share-row { display: flex; gap: 10px; align-items: center; margin-bottom: 8px; flex-wrap: wrap; }

/* Impact badges */
.impact-badge { display: inline-flex; align-items: center; gap: 8px; padding: 7px 16px; border-radius: 50px; font-size: 13px; font-weight: 700; margin-bottom: 18px; }
.impact-badge.low      { background: var(--teal-2xl);   color: var(--teal-dk); }
.impact-badge.mod      { background: var(--azul-2xl);   color: var(--azul-dk); }
.impact-badge.high     { background: var(--dourado-2xl); color: var(--dourado-dk); }
.impact-badge.veryhigh { background: var(--red-lt);     color: var(--red); }
[data-theme="dark"] .impact-badge.low      { color: var(--teal-lt); }
[data-theme="dark"] .impact-badge.mod      { color: var(--azul-lt); }
[data-theme="dark"] .impact-badge.high     { color: var(--dourado-lt); }
[data-theme="dark"] .impact-badge.veryhigh { color: #FCA5A5; }

/* Metrics grid */
.metrics-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: clamp(8px,2vw,12px); margin-bottom: 20px; }
.metric-card { background: var(--surface2); border-radius: var(--radius-sm); padding: clamp(12px,3vw,16px); text-align: center; border: 1px solid var(--border); transition: transform .2s, box-shadow .2s; }
.metric-card:hover { transform: translateY(-2px) !important; box-shadow: var(--shadow); }
.m-label { font-size: clamp(10px,1.5vw,11px); color: var(--text3); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 8px; font-weight: 600; }
.m-val   { font-size: clamp(17px,3.5vw,24px); font-weight: 700; color: var(--text); line-height: 1.1; word-break: break-word; }
.m-val.azul { color: var(--azul); }
.m-val.teal { color: var(--teal); }
[data-theme="dark"] .m-val.teal { color: var(--teal-lt); }
.m-unit { font-size: 11px; color: var(--text3); margin-top: 4px; }

/* msg-strip */
.msg-strip { background: var(--azul-3xl); border-left: 4px solid var(--azul); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; padding: 14px 18px; font-size: 14px; color: var(--text2); margin-bottom: 20px; line-height: 1.7; }
[data-theme="dark"] .msg-strip { background: var(--azul-2xl); }

/* Chart */
.chart-section { margin-bottom: 4px; }
.chart-header { font-size: 13px; font-weight: 600; color: var(--text2); margin-bottom: 12px; }
.chart-canvas-wrap { position: relative; height: clamp(180px,30vw,220px); width: 100%; }

/* Reflection card */
.reflection-card { border: 1.5px solid rgba(107,79,58,.18); border-radius: var(--radius); padding: clamp(20px,4vw,28px); margin-bottom: 20px; background: linear-gradient(135deg,var(--surface),var(--marrom-2xl)); position: relative; overflow: hidden; }
.reflection-card::before { content: '\201C'; font-family: 'DM Serif Display',serif; font-size: 120px; color: var(--marrom); opacity: .14; position: absolute; top: -20px; left: 12px; line-height: 1; pointer-events: none; }
.reflection-label { font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--marrom); margin-bottom: 12px; }
.reflection-text  { font-family: 'DM Serif Display',serif; font-size: clamp(16px,2.5vw,19px); color: var(--text); line-height: 1.6; font-style: italic; position: relative; }

/* History */
.history-card { margin-bottom: 20px; display: none; }
.hist-item { display: flex; justify-content: space-between; align-items: center; padding: 13px 0; border-bottom: 1px solid var(--border2); font-size: 13px; gap: 8px; }
.hist-item:last-child { border-bottom: none; }
.hist-main { font-weight: 600; color: var(--text); }
.hist-sub  { font-size: 12px; color: var(--text3); margin-top: 2px; }
.hist-del  { background: none; border: none; color: var(--text3); cursor: pointer; padding: 6px; border-radius: 6px; transition: color .15s; flex-shrink: 0; }
.hist-del:hover { color: var(--red); }

/* ── Planejador ─────────────────────────────────────────────── */
.peso-badge { display: inline-flex; align-items: center; gap: 8px; padding: 8px 20px; border-radius: 50px; font-size: 14px; font-weight: 700; margin-bottom: 18px; }
.peso-badge.muito-leve { background: var(--teal-2xl);   color: var(--teal-dk); }
.peso-badge.leve       { background: var(--azul-2xl);   color: var(--azul-dk); }
.peso-badge.moderada   { background: var(--dourado-2xl); color: var(--dourado-dk); }
.peso-badge.pesada     { background: var(--marrom-2xl); color: var(--marrom); }
.peso-badge.muito-pesada { background: var(--red-lt);   color: var(--red); }
[data-theme="dark"] .peso-badge.muito-leve  { color: var(--teal-lt); }
[data-theme="dark"] .peso-badge.leve        { color: var(--azul-lt); }
[data-theme="dark"] .peso-badge.moderada    { color: var(--dourado-lt); }
[data-theme="dark"] .peso-badge.pesada      { color: var(--marrom-lt); }
[data-theme="dark"] .peso-badge.muito-pesada{ color: #FCA5A5; }
.plan-metrics   { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin-bottom: 16px; }
.plan-metric    { background: var(--surface2); border-radius: var(--radius-sm); padding: 14px; text-align: center; border: 1px solid var(--border); }
.peso-desc      { font-size: 14px; color: var(--text2); line-height: 1.7; padding: 14px; background: var(--surface2); border-radius: var(--radius-sm); border-left: 4px solid var(--teal); }
.plan-chart-wrap { position: relative; height: 220px; width: 100%; max-width: 300px; margin: 20px auto 0; }
.scenario-grid  { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; }
.scenario-card  { background: var(--surface2); border: 1px solid var(--border); border-radius: 14px; padding: 18px; display: flex; flex-direction: column; gap: 10px; transition: border-color .2s, transform .2s, box-shadow .2s; }
.scenario-card:hover { border-color: var(--azul); transform: translateY(-2px) !important; box-shadow: var(--shadow); }
.scenario-card.scenario-custom { border-color: var(--teal); }
.sc-label    { font-size: 10px; font-weight: 700; letter-spacing: .5px; text-transform: uppercase; color: var(--text3); }
.sc-amount   { font-size: 18px; font-weight: 700; color: var(--teal); line-height: 1; }
[data-theme="dark"] .sc-amount { color: var(--teal-lt); }
.progress-bar-wrap  { display: flex; flex-direction: column; gap: 4px; }
.progress-bar-track { width: 100%; height: 6px; background: var(--border); border-radius: 3px; overflow: hidden; }
.progress-bar-fill  { height: 100%; background: linear-gradient(90deg,var(--azul-dk),var(--azul)); border-radius: 3px; }
.progress-label { font-size: 11px; color: var(--text3); font-weight: 500; }
.sc-months    { font-size: 13px; color: var(--text2); font-weight: 500; }
.discount-intro { font-size: 14px; color: var(--text2); margin-bottom: 14px; line-height: 1.6; }
.discount-grid  { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin-bottom: 14px; }
.discount-card  { background: var(--surface2); border: 1px solid var(--border); border-radius: 12px; padding: 16px; text-align: center; transition: border-color .2s, transform .2s, box-shadow .2s; }
.discount-card:hover { border-color: var(--teal); transform: translateY(-2px) !important; box-shadow: var(--shadow); }
.d-label   { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--text3); margin-bottom: 8px; }
.d-price   { font-size: 16px; font-weight: 700; color: var(--text); margin-bottom: 4px; }
.d-saving  { font-size: 12px; color: var(--teal); font-weight: 600; }
[data-theme="dark"] .d-saving { color: var(--teal-lt); }
.discount-tip { font-size: 13px; color: var(--text2); line-height: 1.6; padding: 12px 14px; background: var(--teal-3xl); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; border-left: 3px solid var(--teal); }
[data-theme="dark"] .discount-tip { background: rgba(15,118,110,.15); }
.rec-item  { display: flex; align-items: flex-start; gap: 12px; padding: 12px 0; border-bottom: 1px solid var(--border2); font-size: 14px; color: var(--text2); line-height: 1.6; }
.rec-item:last-child { border-bottom: none; }
.rec-icon  { font-size: 16px; flex-shrink: 0; width: 24px; text-align: center; margin-top: 1px; }

/* Cross-tool CTA */
.cross-cta { display: flex; align-items: center; gap: 14px; padding: 18px 20px; background: var(--azul-3xl); border: 1.5px solid var(--azul-2xl); border-radius: var(--radius); margin-bottom: 20px; flex-wrap: wrap; }
[data-theme="dark"] .cross-cta { background: rgba(30,58,138,.35); border-color: rgba(96,165,250,.22); }
.cross-cta-ico   { width: 42px; height: 42px; border-radius: 11px; background: var(--dourado-2xl); display: flex; align-items: center; justify-content: center; font-size: 21px; flex-shrink: 0; }
.cross-cta-text  { flex: 1; min-width: 180px; }
.cross-cta-text strong { display: block; font-size: 14px; color: var(--text); margin-bottom: 2px; }
.cross-cta-text span   { font-size: 12.5px; color: var(--text2); line-height: 1.5; }
.cross-cta-btn {
  padding: 10px 18px; background: linear-gradient(135deg,#92400E,#B45309); color: #fff;
  border: none; border-radius: var(--radius-sm); font-size: 13px; font-weight: 600;
  font-family: inherit; cursor: pointer; white-space: nowrap;
  transition: opacity .2s, transform .15s, filter .15s; box-shadow: 0 3px 10px rgba(146,64,14,.28);
}
.cross-cta-btn:hover { opacity: .88; transform: translateY(-1px); filter: brightness(1.06); }

/* ── Modal QDP ────────────────────────────────────────────── */
.modal-overlay { position: fixed; inset: 0; background: rgba(15,23,42,.72); backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px); z-index: 1000; display: flex; align-items: center; justify-content: center; padding: clamp(12px,4vw,24px); opacity: 0; pointer-events: none; transition: opacity .3s; }
.modal-overlay.open { opacity: 1; pointer-events: auto; }
.modal { background: var(--surface); border-radius: 24px; max-width: 520px; width: 100%; padding: clamp(24px,5vw,40px) clamp(20px,5vw,36px) clamp(20px,4vw,32px); position: relative; transform: translateY(24px) scale(.97); transition: transform .35s cubic-bezier(.16,1,.3,1), opacity .35s; opacity: 0; max-height: 90dvh; overflow-y: auto; box-shadow: var(--shadow-lg); border: 1px solid var(--border); }
.modal-overlay.open .modal { transform: translateY(0) scale(1); opacity: 1; }
.modal-close { position: absolute; top: 14px; right: 16px; background: var(--bg2); border: none; width: 32px; height: 32px; border-radius: 50%; cursor: pointer; font-size: 16px; color: var(--text2); display: flex; align-items: center; justify-content: center; transition: background .15s; }
.modal-close:hover { background: var(--border); }
.modal-eyebrow { display: flex; align-items: center; gap: 8px; font-size: 10px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--azul); margin-bottom: 14px; flex-wrap: wrap; }
.modal-eyebrow span { width: 20px; height: 1.5px; background: var(--azul); display: inline-block; }
.modal h2 { font-family: 'DM Serif Display',serif; font-size: clamp(20px,4vw,26px); line-height: 1.2; color: var(--text); margin-bottom: 8px; }
.modal-sub { font-size: 14px; color: var(--text2); margin-bottom: 24px; line-height: 1.6; }
.qdp-steps { display: flex; flex-direction: column; gap: 14px; margin-bottom: 22px; }
.qdp-step { display: flex; gap: 14px; align-items: flex-start; padding: 16px; background: var(--surface2); border-radius: 14px; border: 1px solid var(--border); transition: border-color .2s; }
.qdp-step:hover { border-color: var(--azul); }
.qdp-letter { width: 42px; height: 42px; min-width: 42px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-family: 'DM Serif Display',serif; font-size: 21px; flex-shrink: 0; }
.qdp-letter.q { background: var(--dourado-2xl); color: var(--dourado-dk); }
.qdp-letter.d { background: var(--azul-2xl);   color: var(--azul-dk); }
.qdp-letter.p { background: var(--teal-2xl);   color: var(--teal); }
[data-theme="dark"] .qdp-letter.q { color: var(--dourado-lt); }
[data-theme="dark"] .qdp-letter.d { color: var(--azul-lt); }
[data-theme="dark"] .qdp-letter.p { color: var(--teal-lt); }
.qdp-title { font-size: 13px; font-weight: 700; color: var(--text); margin-bottom: 4px; }
.qdp-desc  { font-size: 13px; color: var(--text2); line-height: 1.6; }
.modal-quote { background: var(--marrom-2xl); border-radius: 12px; padding: 14px 18px; font-family: 'DM Serif Display',serif; font-size: clamp(14px,2vw,16px); font-style: italic; color: var(--text2); margin-bottom: 22px; line-height: 1.7; text-align: center; border-left: 3px solid var(--marrom); }
.time-reminder { display: flex; gap: 8px; background: var(--azul-3xl); border-radius: 10px; padding: 12px 16px; font-size: 13px; color: var(--azul-dk); margin-bottom: 22px; line-height: 1.5; }
[data-theme="dark"] .time-reminder { background: var(--azul-2xl); color: var(--azul-xl); }
.final-q { font-size: 15px; font-weight: 600; color: var(--text); text-align: center; margin-bottom: 18px; line-height: 1.6; }
.modal-btns { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.btn-yes { padding: 13px; background: linear-gradient(135deg,var(--azul-dk),var(--azul)); color: #fff; border: none; border-radius: var(--radius-sm); font-size: 14px; font-weight: 600; font-family: 'DM Sans',sans-serif; cursor: pointer; transition: all .2s; box-shadow: 0 2px 8px rgba(37,99,235,.28); }
.btn-yes:hover { background: linear-gradient(135deg,#173191,var(--azul-dk)); }
.btn-reflect { padding: 13px; background: transparent; color: var(--text2); border: 1.5px solid var(--border); border-radius: var(--radius-sm); font-size: 14px; font-weight: 500; font-family: 'DM Sans',sans-serif; cursor: pointer; transition: all .2s; }
.btn-reflect:hover { border-color: var(--azul); color: var(--azul); }

/* ── Simulador ──────────────────────────────────────────────── */
.sim-grid { display: grid; grid-template-columns: 340px 1fr; gap: 20px; align-items: start; }
.sim-selic-card { background: linear-gradient(135deg,var(--surface),var(--azul-3xl)); border: 1.5px solid var(--azul-2xl); }
[data-theme="dark"] .sim-selic-card { background: linear-gradient(135deg,var(--surface),var(--azul-2xl)); border-color: rgba(96,165,250,.22); }
.selic-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px; }
.selic-head h3 { font-size: 14px; font-weight: 700; color: var(--text); }
.btn-refresh { width: 32px; height: 32px; border-radius: 9px; border: 1px solid var(--border); background: var(--surface2); color: var(--azul); cursor: pointer; display: flex; align-items: center; justify-content: center; transition: all .2s; flex-shrink: 0; }
.btn-refresh:hover { background: var(--azul-3xl); border-color: var(--azul); }
.btn-refresh.spin svg { animation: spin 1s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.selic-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 10px; }
.cdi-box { background: var(--surface2); border: 1.5px solid var(--border2); border-radius: var(--radius-sm); padding: 10px 14px; display: flex; flex-direction: column; justify-content: center; }
[data-theme="dark"] .cdi-box { border-color: rgba(148,163,184,.18); }
.cdi-box span   { font-size: 11px; color: var(--text3); margin-bottom: 2px; }
.cdi-box strong { font-family: 'DM Mono',monospace; font-size: 18px; color: var(--teal); font-weight: 700; }
[data-theme="dark"] .cdi-box strong { color: var(--teal-lt); }
.selic-status { font-size: 11.5px; line-height: 1.5; padding: 8px 0 0; }
.selic-status.ok      { color: var(--teal); }
.selic-status.warn    { color: var(--dourado-dk); font-weight: 500; }
.selic-status.loading { color: var(--azul); }
.selic-status.error   { color: #B45309; }
.selic-status.idle    { color: var(--text3); }
[data-theme="dark"] .selic-status.ok   { color: var(--teal-lt); }
[data-theme="dark"] .selic-status.warn { color: var(--dourado-lt); }
[data-theme="dark"] .selic-status.error{ color: #FCD34D; }
.money-prefix { display: flex; align-items: center; background: var(--surface); border: 1.5px solid var(--border-ctrl); border-radius: var(--radius-sm); padding: 0 14px; transition: border-color .2s, box-shadow .2s; }
.money-prefix:focus-within { border-color: var(--azul); box-shadow: 0 0 0 3px rgba(37,99,235,.18), 0 0 0 1px var(--azul); }
[data-theme="dark"] .money-prefix { border-color: rgba(148,163,184,.25); background: var(--surface2); }
[data-theme="dark"] .money-prefix:focus-within { border-color: var(--azul); }
.money-prefix i   { font-style: normal; color: var(--text3); font-size: 14px; font-family: 'DM Mono',monospace; flex-shrink: 0; }
.money-prefix input { flex: 1; background: none; border: none; outline: none; color: var(--text); font-family: 'DM Mono',monospace; font-weight: 600; font-size: 18px; padding: 12px 0 12px 8px; box-shadow: none !important; }
.money-prefix .suf { margin-left: auto; }
.years-display { display: flex; align-items: baseline; gap: 8px; margin-bottom: 8px; }
.years-display strong { font-family: 'DM Serif Display',serif; font-size: 42px; font-weight: 400; line-height: 1; color: var(--azul); }
.years-display span   { font-size: 14px; color: var(--text2); }
.year-slider { width: 100%; -webkit-appearance: none; appearance: none; height: 6px; border-radius: 3px; background: transparent; outline: none; margin: 10px 0; accent-color: var(--azul); }
.year-slider::-webkit-slider-runnable-track { height: 6px; border-radius: 3px; background: var(--border2); }
.year-slider::-moz-range-track { height: 6px; border-radius: 3px; background: var(--border2); }
.year-slider::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--azul); cursor: pointer; box-shadow: 0 2px 8px rgba(37,99,235,.4); border: 3px solid var(--surface); }
.year-slider::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--azul); cursor: pointer; border: 3px solid var(--surface); box-shadow: 0 2px 8px rgba(37,99,235,.4); }
[data-theme="dark"] .year-slider::-webkit-slider-runnable-track,
[data-theme="dark"] .year-slider::-moz-range-track { background: rgba(148,163,184,.30); }
.ir-toggle { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 14px; background: var(--surface2); border: 1.5px solid var(--border2); border-radius: var(--radius-sm); margin-top: 4px; }
[data-theme="dark"] .ir-toggle { border-color: rgba(148,163,184,.16); }
.ir-toggle-text strong { display: block; font-size: 13px; color: var(--text); margin-bottom: 2px; }
.ir-toggle-text span   { font-size: 11.5px; color: var(--text3); line-height: 1.4; }
.switch { position: relative; width: 44px; height: 24px; flex-shrink: 0; }
.switch input { opacity: 0; width: 0; height: 0; }
.switch-slider { position: absolute; cursor: pointer; inset: 0; background: #B0C0D0; border-radius: 24px; transition: .25s; }
[data-theme="dark"] .switch-slider { background: rgba(148,163,184,.35); }
.switch-slider::before { content: ''; position: absolute; height: 18px; width: 18px; left: 3px; bottom: 3px; background: #fff; border-radius: 50%; transition: .25s; box-shadow: 0 1px 3px rgba(0,0,0,.3); }
.switch input:checked + .switch-slider { background: var(--azul); }
.switch input:checked + .switch-slider::before { transform: translateX(20px); }

/* Opt list (bank list) */
.opt-list { display: flex; flex-direction: column; gap: 8px; }
.opt-row { display: flex; align-items: center; gap: 8px; padding: 11px 13px; background: var(--surface); border: 1.5px solid var(--border); border-radius: var(--radius-sm); transition: border-color .2s, opacity .2s; flex-wrap: nowrap; }
.opt-row:not(.off):hover { border-color: var(--azul); }
.opt-row.off { opacity: .45; }
[data-theme="dark"] .opt-row { border-color: rgba(148,163,184,.18); background: var(--surface2); }
.opt-dot  { width: 12px; height: 12px; border-radius: 4px; flex-shrink: 0; }
.opt-info { flex: 1; min-width: 0; }
.opt-name { font-size: 13.5px; font-weight: 600; color: var(--text); }
[data-theme="dark"] .opt-name { color: var(--text); }
.opt-sub  { font-size: 11px; color: var(--text3); }
.opt-rate { font-family: 'DM Mono',monospace; font-size: 13px; font-weight: 600; color: var(--text2); white-space: nowrap; }
.opt-toggle { width: 34px; height: 20px; flex-shrink: 0; }
.opt-separator { font-size: 10px; font-weight: 700; letter-spacing: .8px; text-transform: uppercase; color: var(--text3); padding: 4px 0 8px; border-bottom: 1px solid var(--border2); margin-bottom: 10px; }
.opt-custom-tag { font-size: 9px; font-weight: 700; text-transform: uppercase; letter-spacing: .4px; background: var(--azul-3xl); color: var(--azul-dk); padding: 2px 7px; border-radius: 4px; margin-left: 6px; vertical-align: middle; }
[data-theme="dark"] .opt-custom-tag { background: var(--azul-2xl); color: var(--azul-xl); }
.opt-action-btn { width: 28px; height: 28px; flex-shrink: 0; border: none; background: transparent; border-radius: 7px; color: var(--text3); cursor: pointer; display: flex; align-items: center; justify-content: center; transition: background .15s, color .15s; }
.opt-action-btn:hover { background: var(--azul-3xl); color: var(--azul); }
.opt-del-btn:hover { background: var(--red-lt); color: var(--red); }
@media(max-width:360px) { .opt-rate { display: none; } }

/* Logo nos opt-rows e ranking */
.opt-logo-wrap { width: 32px; height: 32px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; }
.opt-logo { width: 28px; height: 28px; border-radius: 7px; object-fit: contain; background: #fff; border: 1px solid var(--border2); display: block; transition: opacity .2s; }
[data-theme="dark"] .opt-logo { background: #fff; border-color: rgba(255,255,255,.10); }
.opt-row.off .opt-logo { opacity: .4; }
.rank-logo { width: 28px; height: 28px; border-radius: 7px; object-fit: contain; background: #fff; border: 1px solid var(--border2); display: block; flex-shrink: 0; }
[data-theme="dark"] .rank-logo { background: #fff; border-color: rgba(255,255,255,.10); }

/* Add bank button */
.btn-add-bank { display: flex; align-items: center; justify-content: center; gap: 7px; width: 100%; margin-top: 12px; padding: 11px 14px; border: 1.5px dashed var(--border); border-radius: var(--radius-sm); background: transparent; color: var(--text3); font-size: 13px; font-family: 'DM Sans',sans-serif; font-weight: 600; cursor: pointer; transition: border-color .2s, color .2s, background .2s; }
.btn-add-bank:hover { border-color: var(--azul); color: var(--azul); background: var(--azul-3xl); }
.custom-form { margin-top: 14px; padding: 16px; background: var(--surface2); border: 1.5px solid var(--border2); border-radius: var(--radius-sm); animation: slideUp .25s ease both; }
.cb-form-title { font-size: 13px; font-weight: 700; color: var(--text); margin-bottom: 14px; letter-spacing: -.1px; }
.cb-taxable-row { display: flex; align-items: flex-start; gap: 9px; font-size: 12.5px; color: var(--text2); cursor: pointer; margin-bottom: 14px; line-height: 1.5; }
.cb-taxable-row input { flex-shrink: 0; margin-top: 2px; accent-color: var(--azul); }
.cb-form-actions { display: flex; gap: 10px; }

/* Hero card do simulador */
.sim-hero-card { background: linear-gradient(150deg,var(--surface) 0%,var(--azul-3xl) 100%); border: 1.5px solid var(--azul-2xl); }
[data-theme="dark"] .sim-hero-card { background: linear-gradient(150deg,var(--surface) 0%,var(--azul-2xl) 100%); border-color: rgba(96,165,250,.20); }
.sim-hero-label  { font-size: 12px; font-weight: 600; color: var(--text2); margin-bottom: 8px; }
.sim-hero-leader { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 700; padding: 5px 14px; border-radius: 50px; margin-bottom: 14px; background: var(--teal-2xl); color: var(--teal-dk); }
[data-theme="dark"] .sim-hero-leader { color: var(--teal-lt); }
.sim-hero-value { font-family: 'DM Serif Display',serif; font-size: clamp(34px,7vw,56px); font-weight: 400; color: var(--azul); line-height: 1; margin-bottom: 10px; word-break: break-word; }
.sim-hero-sub { font-size: 13.5px; color: var(--text2); line-height: 1.6; }
.sim-hero-sub b { color: var(--teal); font-weight: 700; }
[data-theme="dark"] .sim-hero-sub b { color: var(--teal-lt); }

/* SVG chart */
.sim-chart-card { padding: clamp(16px,3vw,24px); }
.sim-chart-wrap { position: relative; width: 100%; overflow: hidden; touch-action: none; cursor: ew-resize; border-radius: 12px; border: 1px solid var(--border2); }
[data-theme="dark"] .sim-chart-wrap { border-color: rgba(148,163,184,.14); }
.sim-chart-wrap svg { display: block; width: 100%; height: auto; user-select: none; }
.scrub-info { display: flex; justify-content: space-between; align-items: center; margin-top: 12px; flex-wrap: wrap; gap: 8px; }
.scrub-label { font-size: 12px; color: var(--text3); }
.scrub-time  { font-family: 'DM Mono',monospace; font-size: 14px; font-weight: 600; color: var(--azul); }
.sim-disclaimer { font-size: 12px; color: var(--text3); line-height: 1.6; padding: 14px 16px; background: var(--surface2); border-radius: var(--radius-sm); border-left: 2px solid var(--dourado); margin-top: 4px; }

/* ════════════════════════════════════════════════════════════════
   COMPARISON CARDS — visão expandida por instituição
   Substitui a lista simples por cards detalhados (CORRIGIDO)
════════════════════════════════════════════════════════════════ */
.cmp-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: clamp(12px, 2vw, 16px);
}
.cmp-card {
  background: var(--surface); border: 1.5px solid var(--border2);
  border-radius: var(--radius); padding: clamp(16px,3vw,20px);
  transition: box-shadow .25s, border-color .25s, transform .2s;
  position: relative; overflow: hidden;
}
.cmp-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--border2); }
.cmp-card:hover   { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.cmp-card.leader  { border-color: var(--teal); box-shadow: 0 0 0 1px var(--teal), var(--shadow); }
.cmp-card.leader::before { background: linear-gradient(90deg, var(--teal), var(--teal-lt)); }
.cmp-header { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.cmp-logo-wrap { flex-shrink: 0; }
.cmp-logo { width: 32px; height: 32px; border-radius: 8px; object-fit: contain; background: #fff; border: 1px solid var(--border2); flex-shrink: 0; display: block; }
[data-theme="dark"] .cmp-logo { background: #fff; border-color: rgba(255,255,255,.12); }
.cmp-name-wrap { flex: 1; min-width: 0; }
.cmp-name    { font-size: 14px; font-weight: 700; color: var(--text); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.cmp-product { font-size: 10.5px; color: var(--text3); margin-top: 1px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.cmp-pct-badge { font-size: 11px; font-weight: 700; padding: 3px 8px; border-radius: 50px; background: var(--azul-3xl); color: var(--azul-dk); white-space: nowrap; flex-shrink: 0; }
[data-theme="dark"] .cmp-pct-badge { background: var(--azul-2xl); color: var(--azul-lt); }
.cmp-card.leader .cmp-pct-badge { background: var(--teal-2xl); color: var(--teal-dk); }
[data-theme="dark"] .cmp-card.leader .cmp-pct-badge { color: var(--teal-lt); }
.cmp-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 12px; }
.cmp-metric  { display: flex; flex-direction: column; gap: 3px; }
.cmp-lbl { font-size: 10px; font-weight: 700; letter-spacing: .5px; text-transform: uppercase; color: var(--text3); }
.cmp-val { font-size: 13px; font-weight: 700; color: var(--text); font-family: 'DM Mono',monospace; }
.cmp-val.accent { color: var(--teal); font-size: 15px; }
[data-theme="dark"] .cmp-val.accent { color: var(--teal-lt); }
.cmp-ir-note { font-size: 11px; color: var(--text3); margin-top: -4px; margin-bottom: 6px; }
.cmp-footer  { display: flex; align-items: center; justify-content: space-between; padding-top: 10px; border-top: 1px solid var(--border2); flex-wrap: wrap; gap: 6px; }
.cmp-pct-gain { font-size: 13px; font-weight: 700; color: var(--text2); }
.cmp-leader-badge { display: inline-flex; align-items: center; gap: 5px; background: var(--teal-2xl); color: var(--teal-dk); font-size: 11px; font-weight: 700; padding: 4px 10px; border-radius: 50px; text-transform: uppercase; letter-spacing: .5px; }
[data-theme="dark"] .cmp-leader-badge { color: var(--teal-lt); }