/* =====================================================================
   TOTAL CONSÓRCIOS — Folha de estilo PREMIUM
   Direção: seções claras + navy de âncora, fotografia, muito respiro.
   Cores: #0B1736 navy · #D6A64F dourado · #17C964 verde · claros/cinzas
   Fonte: Manrope
   ===================================================================== */

:root {
  /* Marca */
  --navy: #0b1736;
  --navy-2: #0f1c40;
  --navy-3: #16244f;
  --dourado: #d6a64f;
  --dourado-2: #c2913c;
  --dourado-claro: #ecd09a;
  --verde: #17c964;
  --verde-2: #12a854;

  /* Neutros claros (seções premium arejadas) */
  --branco: #ffffff;
  --claro: #f6f7f9;
  --claro-2: #eef0f4;
  --linha: #e4e7ee;
  --texto: #1a2238;        /* texto principal sobre claro */
  --texto-suave: #5d6781;  /* texto secundário sobre claro */
  --texto-claro: #c7cdda;  /* texto secundário sobre navy */

  --radius: 18px;
  --radius-sm: 12px;
  --radius-pill: 999px;
  --max: 1200px;
  --shadow-sm: 0 4px 16px rgba(15, 28, 64, 0.06);
  --shadow: 0 16px 40px rgba(15, 28, 64, 0.10);
  --shadow-lg: 0 30px 70px rgba(11, 23, 54, 0.28);
  --t: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  font-family: "Manrope", system-ui, -apple-system, sans-serif;
  color: var(--texto);
  background: var(--branco);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

h1, h2, h3, h4 { font-weight: 800; line-height: 1.12; letter-spacing: -0.025em; color: inherit; }
h2 { font-size: clamp(1.9rem, 4vw, 3rem); }
h3 { font-size: 1.3rem; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 28px; }

.gold { color: var(--dourado); }
.center { text-align: center; }

section { padding: 100px 0; position: relative; }

/* fundos de seção */
.bg-navy { background: var(--navy); color: var(--branco); }
.bg-light { background: var(--claro); color: var(--texto); }
.bg-white { background: var(--branco); color: var(--texto); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--dourado-2);
  margin-bottom: 18px;
}
.bg-navy .eyebrow { color: var(--dourado); }
.eyebrow::before { content: ""; width: 26px; height: 2px; background: currentColor; opacity: 0.6; }

.section-head { max-width: 680px; margin: 0 auto 56px; }
.section-head.left { margin-left: 0; text-align: left; }
.section-sub { color: var(--texto-suave); font-size: 1.08rem; margin-top: 16px; }
.bg-navy .section-sub { color: var(--texto-claro); }

/* ---- Botões --------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  font-family: inherit;
  font-weight: 700;
  font-size: 1rem;
  padding: 15px 28px;
  border-radius: var(--radius-pill);
  border: none;
  cursor: pointer;
  transition: transform var(--t), box-shadow var(--t), background var(--t), color var(--t);
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn svg { transition: transform var(--t); }
.btn:hover svg { transform: translateX(3px); }

.btn-verde { background: var(--verde); color: #06210f; box-shadow: 0 10px 28px rgba(23, 201, 100, 0.34); }
.btn-verde:hover { background: var(--verde-2); box-shadow: 0 14px 34px rgba(23, 201, 100, 0.42); }

.btn-dourado { background: var(--dourado); color: var(--navy); box-shadow: 0 10px 28px rgba(214, 166, 79, 0.3); }
.btn-dourado:hover { background: var(--dourado-claro); }

.btn-dark { background: var(--navy); color: #fff; }
.btn-dark:hover { background: var(--navy-3); }

.btn-ghost { background: transparent; color: var(--texto); border: 1.5px solid var(--linha); }
.btn-ghost:hover { border-color: var(--dourado); color: var(--dourado-2); }
.bg-navy .btn-ghost { color: #fff; border-color: rgba(255,255,255,0.25); }
.bg-navy .btn-ghost:hover { border-color: var(--dourado); color: var(--dourado); }

.btn-block { width: 100%; }
.btn-lg { padding: 18px 36px; font-size: 1.08rem; }

/* ---- Logo ----------------------------------------------------------- */
.logo { display: inline-flex; align-items: center; gap: 12px; font-weight: 800; }
.logo-mark { width: 46px; height: 46px; flex: 0 0 auto; }
/* "C" do logo: branco sobre header transparente; azul escuro quando o header vira branco */
.logo-c { fill: #ffffff; transition: fill var(--t); }
.site-header.scrolled .logo-c,
.site-header.header-solid .logo-c { fill: var(--navy); }
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-text .lt-1 { font-size: 1.18rem; letter-spacing: 0.05em; }
.logo-text .lt-2 {
  font-size: 0.6rem; letter-spacing: 0.36em; color: var(--dourado);
  text-transform: uppercase; font-weight: 700; margin-top: 3px;
}

/* ---- Header --------------------------------------------------------- */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 200;
  transition: background var(--t), box-shadow var(--t), backdrop-filter var(--t);
}
/* topo transparente sobre o hero navy */
.site-header { background: transparent; }
.site-header .logo-text .lt-1 { color: #fff; }
.site-header .nav-menu a { color: rgba(255,255,255,0.82); }
.site-header .header-phone { color: #fff; }

/* após rolar (ou header sólido fixo em páginas claras): vira branco */
.site-header.scrolled,
.site-header.header-solid {
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(14px);
  box-shadow: var(--shadow-sm);
}
.site-header.scrolled .logo-text .lt-1,
.site-header.header-solid .logo-text .lt-1 { color: var(--navy); }
.site-header.scrolled .nav-menu a,
.site-header.header-solid .nav-menu a { color: var(--texto); }
.site-header.scrolled .header-phone,
.site-header.header-solid .header-phone { color: var(--navy); }
.site-header.scrolled .nav-toggle span,
.site-header.header-solid .nav-toggle span { background: var(--navy); }

.header-inner { display: flex; align-items: center; justify-content: space-between; height: 84px; gap: 24px; }

.nav-menu { display: flex; align-items: center; gap: 34px; }
.nav-menu a { font-weight: 600; font-size: 0.96rem; transition: color var(--t); white-space: nowrap; }
.nav-menu a:hover { color: var(--dourado); }

.header-actions { display: flex; align-items: center; gap: 18px; }
.header-phone { display: flex; align-items: center; gap: 8px; font-weight: 700; font-size: 0.95rem; }
.header-phone svg { color: var(--verde); }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; flex-direction: column; gap: 5px; padding: 6px; }
.nav-toggle span { width: 26px; height: 2.5px; background: #fff; border-radius: 2px; transition: var(--t); }

/* ---- Hero ----------------------------------------------------------- */
.hero {
  position: relative;
  padding: 96px 0 58px;
  color: #fff;
  background: var(--navy);
  overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0; z-index: 0;
  background-image: linear-gradient(90deg, rgba(11,23,54,0.97) 0%, rgba(11,23,54,0.82) 42%, rgba(11,23,54,0.55) 100%),
    url("https://images.unsplash.com/photo-1600596542815-ffad4c1539a9?auto=format&fit=crop&w=1600&q=80");
  background-size: cover; background-position: center;
}
.hero::after {
  content: ""; position: absolute; z-index: 1; inset: 0;
  background: radial-gradient(900px 500px at 88% 0%, rgba(214,166,79,0.18), transparent 60%);
}
.hero .container { position: relative; z-index: 2; }
/* título à esquerda · simulador à direita */
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: center; }
/* impede que os itens do grid parem de encolher no mobile (evita corte lateral) */
.hero-grid > *, .sim-page-grid > * { min-width: 0; }
.hero h1 { font-size: clamp(2.3rem, 5.2vw, 3.7rem); margin-bottom: 22px; }
.hero .lead { color: var(--texto-claro); font-size: 1.16rem; max-width: 540px; margin-bottom: 30px; }

.hero-checklist { display: flex; flex-wrap: wrap; gap: 14px 28px; margin-bottom: 34px; }
.hero-checklist li { display: flex; align-items: center; gap: 9px; font-weight: 600; font-size: 1rem; }
.hero-checklist svg { color: var(--verde); flex: 0 0 auto; }
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; }
/* botão secundário do hero: texto branco sobre o fundo navy */
.hero .btn-ghost { color: #fff; border-color: rgba(255, 255, 255, 0.3); }
.hero .btn-ghost:hover { border-color: var(--dourado); color: var(--dourado); }

/* ---- Card simulador ------------------------------------------------- */
.sim-card {
  background: #fff;
  color: var(--texto);
  border-radius: var(--radius);
  padding: 20px 24px;
  box-shadow: var(--shadow-lg);
}
.sim-card .sim-top { display: flex; align-items: center; gap: 10px; margin-bottom: 2px; }
.sim-card .sim-badge {
  width: 36px; height: 36px; border-radius: 10px; display: grid; place-items: center;
  background: rgba(214,166,79,0.14); color: var(--dourado-2);
}
.sim-card h3 { font-size: 1.28rem; }
.sim-card .sim-hint { color: var(--texto-suave); font-size: 0.86rem; margin-bottom: 10px; }

.field { margin-bottom: 18px; }
.field label {
  display: block; font-size: 0.78rem; font-weight: 800; letter-spacing: 0.05em;
  text-transform: uppercase; color: var(--texto-suave); margin-bottom: 8px;
}
.field input, .field select {
  width: 100%; font-family: inherit; font-size: 1rem; color: var(--texto);
  background: var(--claro); border: 1.5px solid var(--linha);
  border-radius: var(--radius-sm); padding: 14px 15px; transition: border var(--t), background var(--t);
}
.field input::placeholder { color: #9aa3b8; }
.field input:focus, .field select:focus {
  outline: none; border-color: var(--dourado); background: #fff;
  box-shadow: 0 0 0 4px rgba(214,166,79,0.12);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* ---- Simulador gamificado: sliders --------------------------------- */
.sim-sliders { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin: 12px 0 14px; }
.slider-group { margin-bottom: 0; }
.slider-head { display: flex; flex-direction: column; gap: 2px; margin-bottom: 9px; }
.slider-head label {
  font-size: 0.72rem; font-weight: 800; letter-spacing: 0.05em;
  text-transform: uppercase; color: var(--texto-suave); white-space: nowrap;
}
.slider-val { font-weight: 800; color: var(--navy); font-size: 1.4rem; line-height: 1.1; white-space: nowrap; letter-spacing: -0.02em; }
/* valor editável (mantém o slider) */
.slider-input {
  width: 100%; border: none; background: transparent; padding: 0 0 3px;
  border-bottom: 1.5px dashed var(--linha); border-radius: 0;
  transition: border-color var(--t);
}
.slider-input:hover { border-bottom-color: var(--dourado); }
.slider-input:focus { outline: none; border-bottom-color: var(--dourado); }
.edit-hint { font-size: 0.62rem; font-weight: 600; color: #a7afc2; text-transform: none; letter-spacing: 0; }

.range {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px;
  border-radius: var(--radius-pill); background: var(--claro-2);
  outline: none; cursor: pointer;
}
.range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 26px; height: 26px;
  border-radius: 50%; background: linear-gradient(135deg, var(--dourado), var(--dourado-2));
  border: 3px solid #fff; box-shadow: 0 4px 12px rgba(214, 166, 79, 0.55); cursor: pointer;
  transition: transform 0.15s ease;
}
.range::-webkit-slider-thumb:active { transform: scale(1.12); }
.range::-moz-range-thumb {
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--dourado); border: 3px solid #fff;
  box-shadow: 0 4px 12px rgba(214, 166, 79, 0.55); cursor: pointer;
}
.range:focus-visible { box-shadow: 0 0 0 4px rgba(214, 166, 79, 0.2); }

/* ---- Toggle "Parcela Reduzida" ------------------------------------- */
.reduzida-row {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 9px 14px; border-radius: var(--radius-sm);
  background: rgba(214, 166, 79, 0.09); border: 1px solid rgba(214, 166, 79, 0.28);
  margin-bottom: 12px;
}
.reduzida-row strong { font-size: 0.96rem; color: var(--navy); }
.toggle {
  width: 54px; height: 30px; border-radius: var(--radius-pill); background: #ccd2df;
  border: none; position: relative; cursor: pointer; transition: background var(--t); flex: 0 0 auto;
}
.toggle span {
  position: absolute; top: 3px; left: 3px; width: 24px; height: 24px; border-radius: 50%;
  background: #fff; transition: transform var(--t); box-shadow: 0 2px 6px rgba(0, 0, 0, 0.25);
}
.toggle.active { background: var(--verde); }
.toggle.active span { transform: translateX(24px); }

/* ---- Caixa de parcela ---------------------------------------------- */
.parcela-box {
  text-align: center; padding: 13px 16px; border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--navy), var(--navy-3)); color: #fff; margin-bottom: 12px;
}
.parcela-label { font-size: 0.72rem; color: var(--texto-claro); text-transform: uppercase; letter-spacing: 0.09em; font-weight: 700; }
.parcela-val { font-size: 2rem; font-weight: 800; color: #fff; line-height: 1.05; margin: 3px 0 1px; letter-spacing: -0.02em; }
.parcela-sub { font-size: 0.8rem; color: var(--texto-claro); display: block; white-space: nowrap; }

.sim-disclaimer { font-size: 0.68rem; color: var(--texto-suave); text-align: center; margin-top: 9px; line-height: 1.4; }

/* ---- Faixa de promessa / transparência ----------------------------- */
.promessa { padding: 90px 0; }
.promessa-inner { max-width: 900px; margin: 0 auto; text-align: center; }
.promessa-text {
  font-size: clamp(1.55rem, 3.4vw, 2.4rem); font-weight: 800; letter-spacing: -0.025em;
  color: var(--navy); line-height: 1.28; margin-top: 6px;
}
.promessa-sub { margin: 22px auto 0; font-size: 1.1rem; color: var(--texto-suave); max-width: 700px; }
.promessa-sub strong { color: var(--navy); }

/* seletor de bem por ícones (chips) */
.tipo-chips { display: grid; grid-template-columns: repeat(5, 1fr); gap: 8px; margin: 12px 0 4px; }
.tipo-chip {
  display: flex; flex-direction: column; align-items: center; gap: 5px;
  padding: 9px 4px; border-radius: var(--radius-sm); cursor: pointer;
  border: 1.5px solid var(--linha); background: #fff; transition: var(--t);
  font-size: 0.7rem; font-weight: 700; color: var(--texto-suave);
}
.tipo-chip svg { color: var(--texto-suave); transition: var(--t); }
.tipo-chip:hover { border-color: var(--dourado); }
.tipo-chip.active { border-color: var(--dourado); background: rgba(214,166,79,0.08); color: var(--dourado-2); }
.tipo-chip.active svg { color: var(--dourado-2); }

/* ---- Barra de confiança -------------------------------------------- */
.trust-bar { background: var(--navy-2); padding: 26px 0; border-top: 1px solid rgba(255,255,255,0.06); }
.trust-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; align-items: center;
}
.trust-item { display: flex; align-items: center; gap: 14px; justify-content: center; color: #fff; }
.trust-item svg { color: var(--dourado); flex: 0 0 auto; }
.trust-item .num { font-size: 1.5rem; font-weight: 800; line-height: 1; }
.trust-item small { color: var(--texto-claro); font-size: 0.82rem; display: block; }

/* ---- Barra de parceiro oficial --------------------------------------- */
.partner-bar { background: var(--claro); border-bottom: 1px solid var(--linha); padding: 22px 0; }
.partner-inner {
  display: flex; align-items: center; justify-content: center; gap: 22px;
  flex-wrap: wrap; text-align: center;
}
.partner-label {
  font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--texto-suave);
}
.partner-logo { height: 32px; width: auto; flex: 0 0 auto; }
.partner-text { color: var(--texto-suave); font-size: 0.95rem; }
.partner-text strong { color: var(--texto); }

/* ---- Cards de benefício -------------------------------------------- */
.cards-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; }
.benefit-card {
  background: #fff; border: 1px solid var(--linha); border-radius: var(--radius);
  padding: 36px 28px; transition: transform var(--t), box-shadow var(--t), border var(--t);
}
.benefit-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.benefit-icon {
  width: 58px; height: 58px; display: grid; place-items: center; border-radius: 16px;
  background: linear-gradient(135deg, rgba(214,166,79,0.18), rgba(214,166,79,0.06));
  color: var(--dourado-2); margin-bottom: 22px;
}
.benefit-card h3 { margin-bottom: 10px; font-size: 1.18rem; }
.benefit-card p { color: var(--texto-suave); font-size: 0.96rem; }

/* ---- Categorias (cards com foto) ----------------------------------- */
.cats-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; }
.cat-card {
  position: relative; border-radius: var(--radius); overflow: hidden; cursor: pointer;
  min-height: 240px; display: flex; align-items: flex-end; color: #fff;
  box-shadow: var(--shadow-sm); transition: transform var(--t), box-shadow var(--t);
}
.cat-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.cat-card img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.cat-card:hover img { transform: scale(1.07); }
.cat-card::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(11,23,54,0.05) 30%, rgba(11,23,54,0.88) 100%); }
.cat-card .cat-body { position: relative; z-index: 2; padding: 22px 20px; width: 100%; }
.cat-card .cat-icon { color: var(--dourado); margin-bottom: 10px; }
.cat-card span { font-weight: 800; font-size: 1.15rem; display: block; }
.cat-card small { color: rgba(255,255,255,0.78); font-size: 0.84rem; }

/* ---- Como funciona -------------------------------------------------- */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; }
.step { position: relative; padding: 0 8px; }
.step-num {
  display: grid; place-items: center; width: 56px; height: 56px; border-radius: 50%;
  background: linear-gradient(135deg, var(--dourado), var(--dourado-2)); color: var(--navy);
  font-weight: 800; font-size: 1.3rem; margin-bottom: 20px;
  box-shadow: 0 10px 24px rgba(214,166,79,0.3);
}
.bg-navy .step h3 { color: #fff; }
.step h3 { margin-bottom: 10px; font-size: 1.18rem; }
.step p { color: var(--texto-claro); font-size: 0.97rem; }
.steps-connector { /* linha pontilhada decorativa opcional */ }

/* ---- Faixa lifestyle (CTA com foto) -------------------------------- */
.lifestyle {
  position: relative; color: #fff; padding: 120px 0; overflow: hidden;
}
.lifestyle-bg {
  position: absolute; inset: 0; z-index: 0;
  background-image: linear-gradient(90deg, rgba(11,23,54,0.92), rgba(11,23,54,0.6)),
    url("https://images.unsplash.com/photo-1556909114-f6e7ad7d3136?auto=format&fit=crop&w=1600&q=80");
  background-size: cover; background-position: center;
}
.lifestyle .container { position: relative; z-index: 2; }
.lifestyle-box { max-width: 560px; }
.lifestyle-box h2 { margin-bottom: 18px; }
.lifestyle-box p { color: var(--texto-claro); font-size: 1.12rem; margin-bottom: 28px; }

/* ---- Comparativo ---------------------------------------------------- */
.compare-wrap { max-width: 820px; margin: 0 auto; overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow); }
.compare { width: 100%; border-collapse: collapse; min-width: 560px; background: #fff; }
.compare th, .compare td { padding: 20px 24px; text-align: left; border-bottom: 1px solid var(--linha); }
.compare thead th { font-size: 1.05rem; background: var(--claro); }
.compare thead th:nth-child(2) { color: #fff; background: var(--navy); }
.compare tbody td:nth-child(2) { background: rgba(214,166,79,0.07); font-weight: 700; }
.compare td:first-child { color: var(--texto-suave); font-weight: 700; }
.compare .yes { color: var(--verde-2); font-weight: 800; }
.compare .no { color: #d9534f; font-weight: 800; }
.compare tr:last-child td { border-bottom: none; }

/* ---- Depoimentos ---------------------------------------------------- */
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.testi-card {
  background: #fff; border: 1px solid var(--linha); border-radius: var(--radius);
  padding: 32px 30px; box-shadow: var(--shadow-sm); transition: transform var(--t), box-shadow var(--t);
}
.testi-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.testi-stars { color: var(--dourado); margin-bottom: 16px; letter-spacing: 3px; font-size: 1.05rem; }
.testi-card p { color: var(--texto); font-size: 1.02rem; margin-bottom: 24px; }
.testi-author { display: flex; align-items: center; gap: 14px; }
.testi-avatar {
  width: 48px; height: 48px; border-radius: 50%; flex: 0 0 auto;
  background: linear-gradient(135deg, var(--dourado), var(--dourado-2)); color: var(--navy);
  display: grid; place-items: center; font-weight: 800;
}
.testi-author strong { display: block; font-size: 0.98rem; }
.testi-author small { color: var(--texto-suave); }

/* ---- FAQ ------------------------------------------------------------ */
.faq-list { max-width: 860px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--linha); border-radius: var(--radius-sm); margin-bottom: 14px;
  overflow: hidden; background: #fff; transition: box-shadow var(--t), border var(--t);
}
.faq-item.open { box-shadow: var(--shadow-sm); border-color: rgba(214,166,79,0.5); }
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  background: none; border: none; color: var(--texto); font-family: inherit;
  font-size: 1.08rem; font-weight: 700; text-align: left; padding: 22px 24px; cursor: pointer;
}
.faq-q .faq-icon { flex: 0 0 auto; transition: transform var(--t); color: var(--dourado-2); }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.3s ease; color: var(--texto-suave); padding: 0 24px; }
.faq-item.open .faq-a { max-height: 340px; padding: 0 24px 24px; }

/* ---- CTA final ------------------------------------------------------ */
.cta-final { background: linear-gradient(120deg, var(--navy), var(--navy-3)); color: #fff; position: relative; overflow: hidden; }
.cta-final::after { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 400px at 100% 0%, rgba(214,166,79,0.16), transparent 60%); }
.cta-box { text-align: center; max-width: 720px; margin: 0 auto; position: relative; z-index: 2; }
.cta-box h2 { margin-bottom: 16px; }
.cta-box p { color: var(--texto-claro); margin-bottom: 30px; font-size: 1.14rem; }

/* ---- Footer --------------------------------------------------------- */
.site-footer { background: #060d22; color: var(--texto-claro); padding: 72px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 40px; margin-bottom: 44px; }
.footer-col h4 { font-size: 0.92rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--dourado); margin-bottom: 18px; }
.footer-col p, .footer-col a, .footer-col li { color: var(--texto-claro); font-size: 0.95rem; margin-bottom: 11px; }
.footer-col a { transition: color var(--t); }
.footer-col a:hover { color: var(--dourado); }
.footer-about p { max-width: 320px; }
.footer-about .logo-text .lt-1 { color: #fff; }
.footer-social { display: flex; gap: 12px; margin-top: 18px; }
.footer-social a {
  width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center;
  background: rgba(255,255,255,0.06); color: #fff; transition: var(--t);
}
.footer-social a:hover { background: var(--dourado); color: var(--navy); transform: translateY(-3px); }
.footer-bacen { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px; color: #8893ad; font-size: 0.82rem; line-height: 1.7; }
.footer-bacen strong { color: var(--texto-claro); }
.footer-bottom { text-align: center; color: #6b7693; font-size: 0.85rem; margin-top: 20px; }

/* ---- Página simulador ---------------------------------------------- */
.sim-page { padding: 130px 0 90px; background: var(--claro); min-height: 100vh; }
.sim-page-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 52px; align-items: start; }
.sim-info .eyebrow { color: var(--dourado-2); }
.sim-info h1 { font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 20px; color: var(--navy); }
.sim-info > p { color: var(--texto-suave); margin-bottom: 28px; font-size: 1.08rem; }
.sim-info .hero-checklist { flex-direction: column; gap: 14px; }
.sim-info .hero-checklist li { color: var(--texto); }
.sim-form-card { background: #fff; border-radius: var(--radius); padding: 40px 38px; box-shadow: var(--shadow); }
.sim-form-card h3 { color: var(--navy); }
.sim-msg { margin-top: 18px; padding: 15px 17px; border-radius: var(--radius-sm); font-size: 0.95rem; display: none; }
.sim-msg.ok { display: block; background: rgba(23,201,100,0.1); border: 1px solid var(--verde); color: var(--verde-2); }
.sim-msg.err { display: block; background: rgba(217,83,79,0.1); border: 1px solid #d9534f; color: #b13b37; }

/* ---- Reveal --------------------------------------------------------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.in { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: 0.08s; }
.reveal.d2 { transition-delay: 0.16s; }
.reveal.d3 { transition-delay: 0.24s; }

/* ---- Responsivo ----------------------------------------------------- */
@media (max-width: 1000px) {
  section { padding: 76px 0; }
  .hero { padding: 120px 0 70px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .sim-sliders { grid-template-columns: 1fr; gap: 16px; }
  .hero-bg { background-image: linear-gradient(180deg, rgba(11,23,54,0.86), rgba(11,23,54,0.94)), url("https://images.unsplash.com/photo-1600596542815-ffad4c1539a9?auto=format&fit=crop&w=1200&q=80"); }
  .cards-4 { grid-template-columns: repeat(2, 1fr); }
  .cats-grid { grid-template-columns: repeat(3, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 26px; }
  .testi-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .sim-page-grid { grid-template-columns: 1fr; }

  .nav-toggle { display: flex; }
  .nav-menu {
    position: absolute; top: 84px; left: 0; right: 0; flex-direction: column; align-items: flex-start;
    gap: 0; background: #fff; box-shadow: var(--shadow); padding: 0 28px; max-height: 0;
    overflow: hidden; transition: max-height 0.3s ease, padding 0.3s ease;
  }
  .nav-menu.open { max-height: 360px; padding: 14px 28px 22px; }
  .site-header .nav-menu a, .site-header.scrolled .nav-menu a { color: var(--texto); padding: 13px 0; width: 100%; }
  .header-phone { display: none; }
}

@media (max-width: 600px) {
  section { padding: 64px 0; }
  .cards-4 { grid-template-columns: 1fr; }
  .cats-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .tipo-chips { grid-template-columns: repeat(3, 1fr); }
  .header-actions .btn { padding: 12px 18px; font-size: 0.9rem; }
  .sim-form-card { padding: 30px 24px; }
}