:root{--wine:#8f1016;--wine2:#650b10;--ink:#19191b;--muted:#666;--paper:#fbfaf8;--pale:#f3f0ec;--line:#e2ddd7}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);line-height:1.55}a{color:inherit;text-decoration:none}.wrap{width:min(1120px,calc(100% - 40px));margin:auto}header{position:sticky;top:0;background:rgba(251,250,248,.96);border-bottom:1px solid var(--line);z-index:5}.nav{height:88px;display:flex;align-items:center;justify-content:space-between}.logo{width:310px;max-width:45vw}.nav nav{display:flex;align-items:center;gap:26px;font-size:14px}.btn{display:inline-block;background:var(--wine);color:white;padding:15px 21px;border-radius:6px;font-weight:700}.btn:hover{background:var(--wine2)}.btn.small{padding:10px 14px}.hero{padding:82px 0 72px;background:linear-gradient(135deg,#fbfaf8 55%,#f1ece6)}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:70px;align-items:center}.eyebrow{font-size:12px;letter-spacing:1.8px;font-weight:800;color:var(--wine)}h1{font-family:Georgia,serif;font-size:64px;line-height:1.03;letter-spacing:-2px;margin:14px 0 24px}h1 em{color:var(--wine);font-weight:400}h2{font-family:Georgia,serif;font-size:42px;line-height:1.12;margin:10px 0 28px}h3{font-size:20px;line-height:1.25}.lead{font-size:21px;color:#4d4b49;max-width:720px}.actions{display:flex;align-items:center;gap:24px;margin:30px 0}.textlink{font-weight:700;border-bottom:1px solid}.trust{display:flex;gap:18px;flex-wrap:wrap;font-size:13px;color:#555}.consult{background:white;border:1px solid var(--line);padding:30px;border-radius:12px;box-shadow:0 20px 50px rgba(60,35,20,.08)}.consult h2{font-size:25px}.consult ol{padding-left:22px}.consult li{padding:10px 0;border-bottom:1px solid #eee}.consult small{display:block;color:var(--muted)}.section{padding:84px 0}.pale{background:var(--pale)}.cards,.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.cards article,.guides>a,.guides>div{background:white;border:1px solid var(--line);padding:28px;border-radius:8px}.cards b,.guides span{color:var(--wine);font-size:12px;text-transform:uppercase;letter-spacing:1px}.cards p,.guides p,.heading p{color:var(--muted)}.guides strong{color:var(--wine)}.heading{display:grid;grid-template-columns:1.4fr .6fr;gap:60px;align-items:end}.about{display:grid;grid-template-columns:1fr 1fr;gap:80px}.note{font-size:13px;color:#777}.foot{min-height:140px;display:flex;align-items:center;gap:24px;border-top:1px solid var(--line)}.foot img{width:240px}.foot a{margin-left:auto;color:var(--wine);font-weight:700}.article{max-width:820px;padding-top:70px;padding-bottom:80px}.article h1{font-size:54px}.article h2{font-size:30px;margin-top:45px}.answer,.cta{padding:26px 28px;background:#f1ece6;border-left:4px solid var(--wine);margin:32px 0}.cta{margin-top:55px}.cta h2{margin-top:0}.article p{font-size:18px}.article .note{font-size:13px}@media(max-width:800px){.nav{height:76px}.logo{width:230px;max-width:70vw}.nav nav>a:not(.btn){display:none}.hero{padding:55px 0}.hero-grid,.heading,.about{grid-template-columns:1fr;gap:30px}h1,.article h1{font-size:43px;letter-spacing:-1px}h2{font-size:34px}.cards,.guides{grid-template-columns:1fr}.trust{display:grid}.lead{font-size:18px}.foot{flex-wrap:wrap;padding:28px 0}.foot img{width:210px}.foot a{margin-left:0;width:100%}}

/* V2: preserves original palette and layout; improves small screens and access. */
:focus-visible{outline:3px solid var(--wine);outline-offset:5px}section[id],main[id]{scroll-margin-top:130px}.skip{position:fixed;top:-100px;left:16px;background:white;padding:12px;z-index:20}.skip:focus{top:12px}.nav>a{min-width:0}.nav nav{flex-shrink:0}.eyebrow,.cards b,.guides span{font-size:14px}.trust,.note,.article .note{font-size:14px}.consult small{font-size:16px}.breadcrumb,.byline{font-size:14px!important;color:#57514b}.breadcrumb{margin-bottom:24px}.sources a,.related a{color:var(--wine);text-decoration:underline}.faq{max-width:820px}.faq details{padding:20px 0;border-bottom:1px solid var(--line)}.faq summary{font-size:20px;font-weight:700;cursor:pointer}.faq p{max-width:72ch}.guides>a:hover{border-color:var(--wine)}.article li{margin:12px 0}.article{overflow-wrap:anywhere}small{line-height:1.5}
@media(max-width:800px){.nav{height:auto;min-height:88px;padding:14px 0;gap:12px;flex-wrap:wrap}.nav>a{max-width:100%}.logo{max-width:100%;width:230px}.nav nav{width:100%;gap:16px;flex-wrap:wrap;font-size:14px}.nav nav>a:not(.btn){display:inline-block}.nav .btn{margin-left:auto}.actions{flex-wrap:wrap;gap:16px}.heading{gap:10px}.section{padding:52px 0}.foot{gap:16px}.hero-grid{gap:30px}h1,.article h1{font-size:clamp(2rem,9vw,2.7rem)}h2{font-size:clamp(1.7rem,7vw,2.125rem)}.article h2{font-size:1.75rem}.consult,.cards article,.guides>a{padding:24px}.article{padding-top:36px}.hero{padding-top:40px}.wrap{width:min(1120px,calc(100% - 32px))}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.operator{padding-top:36px;padding-bottom:64px}.operator-intro{max-width:850px;padding:24px 0 52px}.operator-intro h1{font-size:clamp(2.5rem,6vw,4rem)}.operator>section{margin:40px 0}.operator-fit{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}.operator-fit p{font-size:18px}.operator-fit .consult h2{font-size:25px}.operator-fit li{margin:12px 0}.other-operators a{display:inline-block;color:var(--wine);text-decoration:underline;margin:8px 20px 8px 0}.operators-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.nav{gap:20px}.nav nav{gap:18px}.logo{width:270px}.nav{height:auto;min-height:88px;flex-wrap:wrap;padding:14px 0}.nav nav{flex-wrap:wrap}@media(max-width:1000px){.operators-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:800px){.operator-fit{grid-template-columns:1fr;gap:24px}.operator-intro{padding-bottom:24px}.operator>section{margin:32px 0}.logo{width:230px}}@media(max-width:500px){.operators-grid{grid-template-columns:1fr}}

/* Paleta aprovada por referência: creme, areia, pêssego e terracota. */
:root{--wine:#833f32;--wine2:#653026;--ink:#282522;--muted:#625a54;--paper:#fffaf5;--pale:#f3e2d3;--line:#dfc7b5}
body{font-family:Arial,Helvetica,sans-serif;background:var(--paper)}
header{background:rgba(255,250,245,.97);border-bottom:1px solid #dfc7b5}
h1,h2{font-family:Arial,Helvetica,sans-serif;font-weight:700;letter-spacing:-.045em;line-height:1.12}
h1 em{font-style:normal;font-weight:700;color:var(--wine)}
.hero{background:linear-gradient(120deg,#f8eee4 0%,#edd0b9 72%,#e5b99c 100%);padding:70px 0}
.hero-grid{gap:48px}.lead{color:#51433a}.eyebrow{letter-spacing:1.25px}
.btn{border-radius:28px;padding:15px 24px;box-shadow:0 4px 12px #833f3214}.btn.small{padding:11px 18px}
.consult{background:#fffaf5;border:1px solid #dab79d;border-radius:22px;box-shadow:0 16px 40px #754a2c10}
.consult li{border-color:#ead6c6}.consult h2{letter-spacing:-.025em}
.cards article,.guides>a,.guides>div{border-radius:20px;border-color:#dfc7b5;background:#fffaf5}
.cards article{border-top:4px solid #ba7b5c}.cards b,.guides span{color:#833f32}
.cards h3,.guides h3{letter-spacing:-.025em}.guides>a:hover{background:#f9e9dc;border-color:#a66548}
#como{background:#fffaf5}#operadoras{background:#eed1bb}#guias{background:#f6e8dc}#duvidas{background:#fffaf5}#sobre{background:#eac4a7}
.trust{color:#51433a}.textlink{color:#653026}.note,.article .note{color:#625a54}
.answer,.cta{background:#f1d4bd;border-left:4px solid #a25a40;border-radius:0 20px 20px 0}
.operator-intro{background:linear-gradient(120deg,#f6e6d8,#ecc6a9);padding:38px;border-radius:24px;margin:24px 0 48px;max-width:none}
.operator-intro .lead{max-width:720px}.operator-intro h1{margin-top:16px}.operator-fit .consult{background:#f7e8db}
.sources{border-top:1px solid var(--line);padding-top:24px}.sources h2,.other-operators h2{font-size:26px}
.faq summary{color:#653026}.faq details{border-color:#dfc7b5}
footer{background:#f2dfce}.foot{border-top:0}.other-operators a{background:#f3dfce;padding:10px 16px;border-radius:24px;text-decoration:none}
@media(max-width:800px){.hero{padding:42px 0}.hero-grid{gap:28px}.operator-intro{padding:24px;margin:18px 0 32px}h1,.article h1{font-size:clamp(2rem,8.7vw,2.7rem)}.operator-intro h1{font-size:clamp(2rem,9vw,3rem)}}

/* Identificação cromática das operadoras; marca Facto preservada no cabeçalho. */
.brand-amil{--brand:#1954b9;--brand-dark:#123d87;--brand-tint:#edf3ff;--brand-line:#cadaf4}
.brand-porto-saude{--brand:#133768;--brand-dark:#0c2448;--brand-tint:#edf2fa;--brand-line:#cbd8ec}
.brand-bradesco-saude{--brand:#bc172e;--brand-dark:#8c1021;--brand-tint:#fff0f2;--brand-line:#efc6cd}
.brand-medsenior{--brand:#287344;--brand-dark:#1b5230;--brand-tint:#eff8ef;--brand-line:#c8dec9}
.brand-sulamerica{--brand:#d95117;--brand-dark:#aa3b0e;--brand-tint:#fff3e9;--brand-line:#efd1bb}
.brand-alice{--brand:#953264;--brand-dark:#70244b;--brand-tint:#fff0f7;--brand-line:#ecc9db}
.brand-prevent-senior{--brand:#174942;--brand-dark:#103730;--brand-tint:#eef6f2;--brand-line:#c8ddd5}
.brand-hapvida{--brand:#096aa1;--brand-dark:#064d77;--brand-tint:#edf7fc;--brand-line:#c4dfed}
body[class*="brand-"]{--wine:var(--brand);--wine2:var(--brand-dark);--line:var(--brand-line);background:#fff}body[class*="brand-"] header{background:#fff;border-color:var(--brand-line)}body[class*="brand-"] .operator-intro{background:var(--brand-tint);border-top:5px solid var(--brand)}body[class*="brand-"] .operator-intro h1{color:var(--brand-dark)}body[class*="brand-"] .cards article{background:#fff;border-color:var(--brand-line);border-top-color:var(--brand)}body[class*="brand-"] .cards b,body[class*="brand-"] .guides span,body[class*="brand-"] .textlink,body[class*="brand-"] .faq summary{color:var(--brand-dark)}body[class*="brand-"] .answer,body[class*="brand-"] .cta,body[class*="brand-"] .operator-fit .consult{background:var(--brand-tint);border-color:var(--brand)}body[class*="brand-"] .other-operators a{background:var(--brand-tint)}body[class*="brand-"] footer{background:#f7f5f2}#operadoras .brand-card{background:#fffaf7;border:1px solid var(--brand-line);border-top:5px solid var(--brand)}#operadoras .brand-card h3,#operadoras .brand-card strong{color:var(--brand-dark)}#operadoras .brand-card span{color:#625a54}#operadoras .brand-card:hover{background:var(--brand-tint);border-color:var(--brand)}

.needs{background:#fffaf5}.need-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:28px}.need-card{padding:24px;background:#f5e2d2;border-radius:20px;border:1px solid #dfbca0;display:flex;flex-direction:column}.need-card h3{margin-top:0}.need-card p{color:#51433a}.need-card strong{color:#653026;margin-top:auto}.need-card:hover{background:#eed0b8}.comparison{background:#ead0bb}.comparison-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:30px 0}.comparison-grid article{background:#fffaf5;padding:28px;border-radius:20px}.comparison-result{max-width:800px}.leila-about p{font-size:18px}.leila-about .note{font-size:14px}@media(max-width:1000px){.need-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:600px){.need-grid,.comparison-grid{grid-template-columns:1fr}.need-card,.comparison-grid article{padding:24px}}
.leila-about{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:52px;align-items:center}.leila-portrait img{display:block;width:100%;height:auto;max-height:650px;object-fit:cover;object-position:center 25%;border-radius:24px}.leila-introduction h2{max-width:16ch}@media(max-width:800px){.leila-about{grid-template-columns:1fr;gap:28px}.leila-portrait{max-width:440px;width:100%;margin:auto}.leila-portrait img{max-height:520px}.leila-introduction h2{max-width:none}}