* {
  box-sizing: border-box;
}

:root {
  --azul: #0b3b5c;
  --azul-claro: #12608f;
  --verde: #16845b;
  --verde-claro: #e8f7ef;
  --amarelo: #f5c542;
  --fundo: #f3f6f8;
  --branco: #ffffff;
  --texto: #1d2933;
  --muted: #66737d;
  --borda: #d9e1e6;
  --perigo-fundo: #fff8df;
}

body {
  margin: 0;
  background: var(--fundo);
  color: var(--texto);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.5;
}

.container {
  width: min(100%, 900px);
  margin: 0 auto;
  padding: 20px;
}


/* =====================================================
   TOPO
===================================================== */

.topo {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  background: var(--azul);
  color: white;
  border-radius: 18px;
  padding: 22px;
  margin-bottom: 18px;
  box-shadow: 0 8px 25px rgba(0, 0, 0, .08);
}

.marca {
  display: flex;
  align-items: center;
  gap: 15px;
}

.icone {
  width: 58px;
  height: 58px;
  border-radius: 15px;
  background: var(--amarelo);
  color: var(--azul);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 32px;
  font-weight: 900;
}

.topo h1 {
  margin: 0;
  font-size: clamp(22px, 4vw, 32px);
}

.topo p {
  margin: 3px 0 0;
  opacity: .88;
}


/* =====================================================
   CARDS
===================================================== */

.card {
  background: var(--branco);
  border: 1px solid var(--borda);
  border-radius: 16px;
  padding: 20px;
  margin-bottom: 16px;
  box-shadow: 0 4px 16px rgba(20, 40, 50, .04);
}

.card h2 {
  margin: 0;
  font-size: 21px;
}

.card h3 {
  margin-top: 24px;
  margin-bottom: 8px;
}

.titulo-linha {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
}

.subtitulo {
  margin: 3px 0 0;
  color: var(--muted);
  font-size: 14px;
}

.explicacao {
  color: var(--muted);
  margin-top: 5px;
}


/* =====================================================
   BOTÃO ?
===================================================== */

.help {
  border: 0;
  width: 32px;
  height: 32px;
  min-width: 32px;
  border-radius: 50%;
  background: #e9f0f5;
  color: var(--azul);
  font-size: 18px;
  font-weight: bold;
  cursor: pointer;
}

.topo .help {
  background: rgba(255,255,255,.18);
  color: white;
}

.help:hover {
  transform: scale(1.05);
}


/* =====================================================
   BOTÕES DE MODO
===================================================== */

.toggle-group {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin: 16px 0;
}

.toggle-group button {
  border: 1px solid var(--borda);
  background: #f8fafb;
  color: var(--texto);
  border-radius: 10px;
  padding: 13px;
  font-weight: bold;
  cursor: pointer;
}

.toggle-group button.active {
  background: var(--azul);
  color: white;
  border-color: var(--azul);
}


/* =====================================================
   CAMPOS
===================================================== */

label {
  display: block;
  margin-top: 14px;
  margin-bottom: 6px;
  font-weight: bold;
}

input,
select {
  width: 100%;
  border: 1px solid #cbd6dd;
  background: white;
  border-radius: 10px;
  min-height: 46px;
  padding: 10px 12px;
  font-size: 16px;
  color: var(--texto);
  outline: none;
}

input:focus,
select:focus {
  border-color: var(--azul-claro);
  box-shadow: 0 0 0 3px rgba(18,96,143,.10);
}

.input-money {
  display: flex;
  align-items: stretch;
}

.input-money span {
  display: flex;
  align-items: center;
  padding: 0 13px;
  background: #edf2f5;
  border: 1px solid #cbd6dd;
  border-right: 0;
  border-radius: 10px 0 0 10px;
  font-weight: bold;
}

.input-money input {
  border-radius: 0 10px 10px 0;
}


/* =====================================================
   DUAS COLUNAS
===================================================== */

.duas-colunas {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}


/* =====================================================
   RESULTADO
===================================================== */

.resultado-card {
  border-top: 5px solid var(--verde);
}

.resultado-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 15px;
}

.resultado-item {
  background: #f7f9fa;
  border: 1px solid #e3e9ed;
  border-radius: 10px;
  padding: 12px;
}

.resultado-item span {
  display: block;
  color: var(--muted);
  font-size: 13px;
}

.resultado-item strong {
  display: block;
  margin-top: 3px;
}

.destaque {
  margin-top: 12px;
  padding: 17px;
  border-radius: 12px;
  background: var(--verde-claro);
  color: #105b40;
}

.destaque span {
  display: block;
  font-size: 14px;
}

.destaque strong {
  display: block;
  font-size: 26px;
  margin-top: 2px;
}


/* =====================================================
   VAZIO
===================================================== */

.vazio {
  margin-top: 15px;
  border: 1px dashed #cbd6dd;
  border-radius: 12px;
  padding: 18px;
  text-align: center;
  background: #fafcfd;
}

.vazio strong,
.vazio span {
  display: block;
}

.vazio span {
  color: var(--muted);
  margin-top: 3px;
}


/* =====================================================
   BOTÕES
===================================================== */

.btn-success,
.btn-secondary {
  border: 0;
  border-radius: 10px;
  padding: 12px 16px;
  font-weight: bold;
  cursor: pointer;
  margin-top: 15px;
}

.btn-success {
  width: 100%;
  background: var(--verde);
  color: white;
}

.btn-secondary {
  background: #edf2f5;
  color: var(--azul);
}


/* =====================================================
   JUROS
===================================================== */

.juros-card {
  border-top: 5px solid var(--amarelo);
}

.aviso-info {
  display: flex;
  gap: 7px;
  margin-top: 15px;
  padding: 13px;
  border-radius: 10px;
  background: var(--perigo-fundo);
  border: 1px solid #f0d875;
}

.resultado-juros {
  margin-top: 18px;
}

.juros-principal {
  background: var(--azul);
  color: white;
  padding: 18px;
  border-radius: 12px;
  margin-top: 15px;
}

.juros-principal span {
  display: block;
  opacity: .85;
  font-size: 14px;
}

.juros-principal strong {
  display: block;
  font-size: 29px;
  margin-top: 3px;
}

.juros-detalhes {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 10px;
}

.juros-detalhe {
  background: #f7f9fa;
  border: 1px solid #e0e6ea;
  border-radius: 10px;
  padding: 12px;
}

.juros-detalhe span {
  display: block;
  color: var(--muted);
  font-size: 13px;
}

.juros-detalhe strong {
  display: block;
  margin-top: 3px;
  font-size: 18px;
}


/* =====================================================
   COMPARADOR
===================================================== */

.comparacao {
  margin-top: 16px;
  border: 1px solid #dfe6ea;
  border-radius: 12px;
  overflow: hidden;
}

.comparacao-linha {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 0;
  border-bottom: 1px solid #e2e7ea;
}

.comparacao-linha:last-child {
  border-bottom: 0;
}

.comparacao-linha > div {
  padding: 12px;
}

.comparacao-cabecalho {
  background: var(--azul);
  color: white;
  font-weight: bold;
}

.comparacao-linha:not(.comparacao-cabecalho):nth-child(even) {
  background: #f8fafb;
}

.comparacao-observacao {
  margin-top: 12px;
  color: var(--muted);
  font-size: 14px;
}


/* =====================================================
   DETAILS
===================================================== */

details summary {
  cursor: pointer;
  list-style: none;
}

details summary::-webkit-details-marker {
  display: none;
}

details summary::after {
  content: "＋";
  float: right;
}

details[open] summary::after {
  content: "−";
}

.help-section {
  margin-top: 15px;
}

.muted {
  color: var(--muted);
}

.taxas-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}


/* =====================================================
   GLOSSÁRIO
===================================================== */

.glossario p {
  padding: 9px 0;
  margin: 0;
  border-bottom: 1px solid #edf0f2;
}


/* =====================================================
   ESCOLA DO CARTÃO
===================================================== */

.escola-cartao {
  background: #f8fbfd;
  border-left: 5px solid var(--azul-claro);
}


/* =====================================================
   MODAL
===================================================== */

.modal {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.48);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  z-index: 1000;
}

.modal-box {
  width: min(100%, 500px);
  background: white;
  border-radius: 16px;
  padding: 24px;
  position: relative;
  box-shadow: 0 20px 60px rgba(0,0,0,.25);
}

.modal-box h2 {
  margin-top: 0;
}

.fechar {
  position: absolute;
  top: 10px;
  right: 12px;
  border: 0;
  background: transparent;
  font-size: 30px;
  cursor: pointer;
  color: #65727b;
}


/* =====================================================
   RODAPÉ
===================================================== */

footer {
  text-align: center;
  color: var(--muted);
  font-size: 13px;
  padding: 20px 0 10px;
}


/* =====================================================
   MOBILE
===================================================== */

@media (max-width: 650px) {

  .container {
    padding: 10px;
  }

  .topo {
    padding: 17px;
    border-radius: 14px;
  }

  .icone {
    width: 48px;
    height: 48px;
    font-size: 26px;
  }

  .toggle-group {
    grid-template-columns: 1fr;
  }

  .duas-colunas,
  .resultado-grid,
  .taxas-grid,
  .juros-detalhes {
    grid-template-columns: 1fr;
  }

  .comparacao {
    overflow-x: auto;
  }

  .comparacao-linha {
    min-width: 560px;
  }

}
/* =========================================
   CORREÇÃO: modal começa escondido
========================================= */

.modal[hidden] {
  display: none !important;
}