/* Layout: faixa escura de impacto no topo, seções claras alternadas, uma faixa por público, formulário com abas e FAQ. */
:root {
  --navy: #0B1730; --navy-2: #132650; --navy-3: #1B3468;
  --gold: #E0B048; --gold-2: #F6CF6A; --gold-ink: #2A1E00;
  --ink: #0E1626; --muted: #566179; --line: #DCE2EC; --sunk: #F2F5FA; --paper: #FFFFFF;
  --zap: #1EAD57; --zap-2: #25D366;
  --display: 'Montserrat', 'Segoe UI', system-ui, sans-serif;
  --body: 'IBM Plex Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --mark: 'Cormorant Garamond', Georgia, serif;
  color-scheme: light;
}
* { box-sizing: border-box }
[hidden] { display: none !important }
html { scroll-behavior: smooth; scroll-padding-top: 84px }
body { margin: 0; background: var(--paper); color: var(--ink); font: 16px/1.65 var(--body); -webkit-font-smoothing: antialiased; overflow-x: hidden }
a { color: inherit }
img, svg { max-width: 100% }
:focus-visible { outline: 3px solid var(--gold-2); outline-offset: 3px; border-radius: 6px }
.wrap { max-width: 1180px; margin: 0 auto; padding-left: max(20px, env(safe-area-inset-left, 0px)); padding-right: max(20px, env(safe-area-inset-right, 0px)) }
h1, h2, h3 { font-family: var(--display); letter-spacing: -.02em; line-height: 1.08; margin: 0; text-wrap: balance }
h2 { font-size: clamp(30px, 4.2vw, 48px); font-weight: 900 }
h3 { font-size: 20px; font-weight: 800; letter-spacing: -.01em }
p { margin: 0 }
.eyebrow { font: 700 12px var(--display); letter-spacing: .18em; text-transform: uppercase; color: var(--gold) }
.lead { font-size: clamp(17px, 1.6vw, 19px); color: var(--muted); max-width: 62ch }
.sec { padding-block: clamp(64px, 9vw, 112px) }
.sec-head { display: grid; gap: 14px; margin-bottom: 44px; max-width: 760px }
.hl { background: linear-gradient(transparent 62%, rgba(224, 176, 72, .45) 62%); padding: 0 .08em }

/* botões */
.btn { --b: var(--gold); display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 56px; padding: 0 24px; border-radius: 14px; border: 0; cursor: pointer;
  font: 800 16px var(--display); letter-spacing: .01em; text-decoration: none; transition: transform .18s ease, box-shadow .18s ease, filter .18s ease; white-space: nowrap }
.btn:hover { transform: translateY(-2px) }
.btn-ouro { background: linear-gradient(135deg, var(--gold-2), var(--gold) 55%, #C99327); color: var(--gold-ink); box-shadow: 0 10px 30px -8px rgba(224, 176, 72, .75), inset 0 1px 0 rgba(255,255,255,.5) }
.btn-ouro:hover { box-shadow: 0 16px 38px -8px rgba(224, 176, 72, .9), inset 0 1px 0 rgba(255,255,255,.5) }
.btn-zap { background: linear-gradient(135deg, var(--zap-2), var(--zap)); color: #fff; box-shadow: 0 10px 28px -10px rgba(30, 173, 87, .8) }
.btn-linha { background: transparent; color: #fff; box-shadow: inset 0 0 0 2px rgba(255,255,255,.35) }
.btn-linha:hover { box-shadow: inset 0 0 0 2px var(--gold-2) }
.btn-escuro { background: var(--navy); color: #fff; box-shadow: 0 10px 28px -12px rgba(11, 23, 48, .7) }
.btn svg { width: 20px; height: 20px; flex: none }
.pulsa { position: relative }
.pulsa::after { content: ""; position: absolute; inset: -4px; border-radius: 18px; border: 2px solid var(--gold-2); opacity: 0; animation: pulso 2.6s ease-out infinite }
@keyframes pulso { 0% { opacity: .7; transform: scale(.98) } 100% { opacity: 0; transform: scale(1.08) } }

/* cabeçalho */
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 60; background: var(--navy) }
.topo { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50; background: rgba(11, 23, 48, .92); backdrop-filter: blur(12px); border-bottom: 1px solid rgba(255,255,255,.08) }
.topo .wrap { display: flex; align-items: center; gap: 20px; min-height: 72px }
.marca { display: flex; align-items: center; gap: 12px; text-decoration: none; color: #fff; flex: none }
.marca .mono { width: 40px; height: 40px; border: 1.5px solid var(--gold); color: var(--gold); display: grid; place-items: center; font: 600 27px/1 var(--mark); border-radius: 4px }
.marca b { display: block; font: 600 24px/1 var(--mark); letter-spacing: .14em }
.marca small { display: block; font: 700 8.5px var(--display); letter-spacing: .34em; color: var(--gold); margin-top: 5px }
.menu { display: flex; gap: 26px; margin-left: auto }
.menu a { color: rgba(255,255,255,.78); text-decoration: none; font: 600 14px var(--display) }
.menu a:hover { color: var(--gold-2) }
.topo .btn { min-height: 44px; padding: 0 18px; font-size: 14px; border-radius: 11px }
@media (max-width: 960px) { .menu { display: none } .topo .acoes { margin-left: auto } }
@media (max-width: 480px) { .topo .zapmini { display: none } .marca small { display: none } }

/* hero */
.hero { position: relative; background: radial-gradient(1200px 600px at 85% -10%, rgba(224,176,72,.22), transparent 60%), radial-gradient(900px 500px at -10% 110%, rgba(27,52,104,.9), transparent 60%), var(--navy); color: #fff; overflow: hidden }
.hero::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px); background-size: 56px 56px; mask-image: linear-gradient(180deg, #000, transparent 85%); pointer-events: none }
.hero .wrap { position: relative; display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); gap: clamp(32px, 5vw, 64px); align-items: center; padding-block: clamp(56px, 8vw, 104px) }
.hero .eyebrow { margin-bottom: 14px }
.hero h1 { font-size: clamp(40px, 6.2vw, 74px); font-weight: 900; letter-spacing: -.035em; line-height: 1.02 }
.hero h1 .ouro { color: var(--gold-2); display: block }
.hero .lead { color: rgba(255,255,255,.78); margin-top: 22px }
.hero .ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px }
.garantias { display: flex; flex-wrap: wrap; gap: 10px 22px; margin: 30px 0 0; padding: 0; list-style: none; font-size: 14.5px; color: rgba(255,255,255,.86) }
.garantias li { display: flex; align-items: center; gap: 8px }
.garantias svg { width: 18px; height: 18px; color: var(--gold-2); flex: none }

/* cartão de comparação no hero */
.compara { position: relative; background: linear-gradient(160deg, rgba(255,255,255,.1), rgba(255,255,255,.03)); border: 1px solid rgba(255,255,255,.14); border-radius: 24px; padding: 26px; box-shadow: 0 40px 80px -30px rgba(0,0,0,.6); backdrop-filter: blur(6px) }
.compara .tag { position: absolute; top: -14px; right: 22px; background: var(--gold); color: var(--gold-ink); font: 800 11px var(--display); letter-spacing: .12em; text-transform: uppercase; padding: 7px 12px; border-radius: 99px }
.compara .of { display: flex; justify-content: space-between; gap: 12px; padding-bottom: 16px; border-bottom: 1px dashed rgba(255,255,255,.18); font-size: 13px; color: rgba(255,255,255,.7) }
.compara .of b { display: block; color: #fff; font: 700 15px var(--display); margin-top: 2px }
.caminho { display: grid; gap: 12px; margin-top: 18px }
.cam { border-radius: 16px; padding: 16px 18px; display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 4px 14px; align-items: center }
.cam .ic { grid-row: span 2; width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center }
.cam .ic svg { width: 22px; height: 22px }
.cam b { font: 800 16px var(--display) }
.cam span { font-size: 13.5px }
.cam.espera { background: rgba(255,255,255,.05); color: rgba(255,255,255,.72) }
.cam.espera .ic { background: rgba(255,255,255,.08); color: rgba(255,255,255,.6) }
.cam.nexus { background: linear-gradient(135deg, rgba(246,207,106,.22), rgba(224,176,72,.08)); border: 1px solid rgba(246,207,106,.45); color: #fff }
.cam.nexus .ic { background: var(--gold); color: var(--gold-ink) }
.loa { display: flex; gap: 6px; margin-top: 18px }
.loa i { flex: 1; height: 8px; border-radius: 99px; background: rgba(255,255,255,.12); position: relative; overflow: hidden }
.loa i.ok { background: var(--gold) }
.loa-leg { display: flex; justify-content: space-between; font: 600 11px var(--display); letter-spacing: .06em; color: rgba(255,255,255,.55); margin-top: 8px }
.compara .nota { font-size: 12px; color: rgba(255,255,255,.5); margin-top: 14px }
@media (max-width: 900px) { .hero .wrap { grid-template-columns: minmax(0, 1fr) } }
@media (max-width: 520px) { .hero .ctas .btn { width: 100% } }

/* faixa de tipos de crédito */
.faixa { background: var(--gold); color: var(--gold-ink); overflow: hidden }
.faixa .trilho { display: flex; gap: 44px; padding-block: 16px; white-space: nowrap; font: 800 14px var(--display); letter-spacing: .08em; text-transform: uppercase; width: max-content; animation: rola 38s linear infinite }
.faixa .trilho span { display: inline-flex; align-items: center; gap: 44px }
.faixa .trilho span::after { content: "◆"; font-size: 10px; opacity: .55 }
@keyframes rola { to { transform: translateX(-50%) } }

/* etapas */
.etapas { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; counter-reset: e; list-style: none; margin: 0; padding: 0 }
.etapa { position: relative; background: var(--sunk); border-radius: 20px; padding: 28px 24px 26px; display: grid; gap: 10px; align-content: start }
.etapa::before { counter-increment: e; content: counter(e); font: 900 15px var(--display); width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; background: var(--navy); color: var(--gold-2); margin-bottom: 6px }
.etapa p { color: var(--muted); font-size: 15px }
@media (max-width: 960px) { .etapas { grid-template-columns: repeat(2, minmax(0, 1fr)) } }
@media (max-width: 560px) { .etapas { grid-template-columns: minmax(0, 1fr) } }
.depois { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 18px; margin-top: 32px; padding: 22px 26px; border-radius: 18px; border: 2px dashed var(--line) }
.depois p { font: 700 18px var(--display); max-width: 56ch }

/* vantagens */
.vant { background: var(--sunk) }
.grade { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px }
.cartao { background: var(--paper); border: 1px solid var(--line); border-radius: 20px; padding: 26px; display: grid; gap: 10px; align-content: start; transition: transform .2s ease, box-shadow .2s ease }
.cartao:hover { transform: translateY(-4px); box-shadow: 0 22px 40px -24px rgba(11,23,48,.35) }
.cartao .ic { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: var(--navy); color: var(--gold-2) }
.cartao .ic svg { width: 24px; height: 24px }
.cartao p { color: var(--muted); font-size: 15px }
@media (max-width: 900px) { .grade { grid-template-columns: repeat(2, minmax(0, 1fr)) } }
@media (max-width: 560px) { .grade { grid-template-columns: minmax(0, 1fr) } }

/* públicos: advogados e parceiros */
.publico { background: var(--navy); color: #fff; position: relative; overflow: hidden }
.publico::after { content: ""; position: absolute; right: -200px; top: -200px; width: 600px; height: 600px; border-radius: 50%; background: radial-gradient(circle, rgba(224,176,72,.18), transparent 65%); pointer-events: none }
.publico .wrap { position: relative; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(32px, 5vw, 72px); align-items: center }
.publico .lead { color: rgba(255,255,255,.75) }
.lista { display: grid; gap: 14px; margin: 26px 0 0; padding: 0; list-style: none }
.lista li { display: grid; grid-template-columns: 28px minmax(0, 1fr); gap: 12px; align-items: start; font-size: 16px; color: rgba(255,255,255,.88) }
.lista li b { color: #fff }
.lista svg { width: 24px; height: 24px; color: var(--gold-2); margin-top: 1px }
.publico .ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px }
.painel { background: var(--paper); color: var(--ink); border-radius: 22px; padding: 22px; box-shadow: 0 40px 80px -36px rgba(0,0,0,.7); display: grid; gap: 12px }
.painel .barra { display: flex; gap: 6px; align-items: center; font: 700 12px var(--display); color: var(--muted); letter-spacing: .06em; text-transform: uppercase }
.painel .barra i { width: 10px; height: 10px; border-radius: 50%; background: var(--line) }
.painel .barra i:first-child { background: #F0B44C }
.colunas { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px }
.col { background: var(--sunk); border-radius: 14px; padding: 10px; display: grid; gap: 8px; align-content: start }
.col h4 { margin: 0; font: 800 11px var(--display); letter-spacing: .08em; text-transform: uppercase; color: var(--muted); border-top: 3px solid var(--c, var(--line)); padding-top: 8px }
.ficha { background: var(--paper); border: 1px solid var(--line); border-radius: 10px; padding: 9px 10px; font-size: 12.5px; display: grid; gap: 3px }
.ficha b { font: 700 12.5px var(--display) }
.ficha .v { font-variant-numeric: tabular-nums; color: var(--muted) }
.ficha .com { font: 800 12px var(--display); color: #8A6410 }
.painel .rod { display: flex; justify-content: space-between; gap: 12px; align-items: center; background: var(--navy); color: #fff; border-radius: 14px; padding: 14px 16px; font-size: 13px }
.painel .rod b { font: 900 22px var(--display); color: var(--gold-2) }
.painel .ex { font-size: 11.5px; color: var(--muted) }
@media (max-width: 900px) { .publico .wrap { grid-template-columns: minmax(0, 1fr) } }
@media (max-width: 460px) { .colunas { grid-template-columns: repeat(2, minmax(0, 1fr)) } .colunas .col:last-child { display: none } }

.parceiros { background: linear-gradient(180deg, var(--paper), var(--sunk)) }
.parc { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(28px, 5vw, 64px); align-items: center }
.destaque { background: var(--navy); color: #fff; border-radius: 26px; padding: clamp(26px, 4vw, 40px); position: relative; overflow: hidden }
.destaque::before { content: ""; position: absolute; inset: auto -60px -60px auto; width: 240px; height: 240px; border-radius: 50%; background: radial-gradient(circle, rgba(246,207,106,.35), transparent 70%) }
.destaque .big { font: 900 clamp(54px, 8vw, 92px)/1 var(--display); letter-spacing: -.04em; color: var(--gold-2) }
.destaque .big.texto { font-size: clamp(38px, 4.6vw, 56px); line-height: 1.04; letter-spacing: -.03em }
.destaque .big small { display: block; font-size: .3em; letter-spacing: 0; color: #fff; margin-top: 8px }
.destaque p { color: rgba(255,255,255,.8); margin-top: 10px; position: relative }
.quem { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 20px; position: relative }
.quem span { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.16); border-radius: 99px; padding: 6px 12px; font: 600 13px var(--display) }
.parc .lista li { color: var(--ink) }
.parc .lista li b { color: var(--ink) }
.parc .lista svg { color: var(--gold) }
@media (max-width: 900px) { .parc { grid-template-columns: minmax(0, 1fr) } }

/* formulário */
.contato { background: var(--navy); color: #fff }
.contato .wrap { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(28px, 5vw, 64px); align-items: start }
.contato .lead { color: rgba(255,255,255,.75) }
.zapbox { margin-top: 28px; display: grid; gap: 12px; justify-items: start }
.zapbox .num { font: 700 18px var(--display); letter-spacing: .02em; color: #fff; user-select: all }
.form { background: var(--paper); color: var(--ink); border-radius: 24px; padding: clamp(20px, 3vw, 32px); box-shadow: 0 40px 80px -40px rgba(0,0,0,.7) }
.abas { display: grid; grid-template-columns: 1fr 1fr; gap: 6px; background: var(--sunk); padding: 6px; border-radius: 14px; margin-bottom: 22px }
.abas button { min-height: 48px; border: 0; border-radius: 10px; background: transparent; font: 800 15px var(--display); color: var(--muted); cursor: pointer }
.abas button[aria-selected="true"] { background: var(--navy); color: #fff; box-shadow: 0 8px 18px -10px rgba(11,23,48,.8) }
.campos { display: grid; grid-template-columns: 1fr 1fr; gap: 14px }
.campo { display: grid; gap: 6px; min-width: 0 }
.campo.largo { grid-column: 1 / -1 }
.campo label { font: 700 13px var(--display); color: var(--ink) }
.campo label small { font-weight: 500; color: var(--muted) }
.campo input, .campo select, .campo textarea { width: 100%; min-height: 50px; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 12px; font: 16px var(--body); color: var(--ink); background: var(--paper) }
.campo textarea { min-height: 90px; resize: vertical }
.campo input:focus, .campo select:focus, .campo textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 4px rgba(224,176,72,.22) }
.aceite { grid-column: 1 / -1; display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 10px; font-size: 13.5px; color: var(--muted); align-items: start }
.aceite input { width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--navy) }
.isca { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden }
.form .btn { width: 100%; margin-top: 18px; min-height: 60px; font-size: 17px }
.msg { margin-top: 14px; font-size: 14.5px; border-radius: 12px; padding: 12px 14px }
.msg.erro { background: #FDECEC; color: #8F2424 }
.msg.ok { background: #E7F6EE; color: #17643A }
.feito { text-align: center; display: grid; gap: 12px; justify-items: center; padding: 20px 0 }
.feito .ic { width: 64px; height: 64px; border-radius: 50%; background: #E7F6EE; color: var(--zap); display: grid; place-items: center }
.feito .ic svg { width: 34px; height: 34px }
@media (max-width: 900px) { .contato .wrap { grid-template-columns: minmax(0, 1fr) } }
@media (max-width: 560px) { .campos { grid-template-columns: minmax(0, 1fr) } }

/* dúvidas */
.faq { display: grid; gap: 12px; max-width: 860px }
.faq details { background: var(--sunk); border-radius: 16px; padding: 0 22px; border: 1px solid transparent; transition: border-color .2s }
.faq details[open] { background: var(--paper); border-color: var(--line); box-shadow: 0 18px 36px -28px rgba(11,23,48,.4) }
.faq summary { list-style: none; cursor: pointer; padding: 20px 0; font: 800 17px var(--display); display: flex; justify-content: space-between; gap: 16px; align-items: center }
.faq summary::-webkit-details-marker { display: none }
.faq summary::after { content: "+"; flex: none; width: 32px; height: 32px; border-radius: 10px; background: var(--navy); color: var(--gold-2); display: grid; place-items: center; font-size: 20px; transition: transform .2s }
.faq details[open] summary::after { transform: rotate(45deg) }
.faq .r { padding: 0 0 22px; color: var(--muted); max-width: 70ch }
.faq .r p + p { margin-top: 10px }

/* chamada final e rodapé */
.final { background: radial-gradient(800px 400px at 50% 0%, rgba(246,207,106,.35), transparent 70%), var(--gold); color: var(--gold-ink); text-align: center }
.final .wrap { display: grid; gap: 18px; justify-items: center; padding-block: clamp(56px, 8vw, 96px) }
.final h2 { max-width: 20ch }
.final p { max-width: 56ch; font-size: 18px }
.final .ctas { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; margin-top: 8px }
.rodape { background: #060D1D; color: rgba(255,255,255,.62); font-size: 14px }
.rodape .wrap { display: grid; grid-template-columns: minmax(0, 1.3fr) repeat(3, minmax(0, 1fr)); gap: 32px; padding-block: 52px 28px }
.rodape h3 { font: 800 13px var(--display); letter-spacing: .12em; text-transform: uppercase; color: #fff; margin-bottom: 12px }
.rodape ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px }
.rodape a { text-decoration: none }
.rodape a:hover { color: var(--gold-2) }
.rodape .aviso { grid-column: 1 / -1; border-top: 1px solid rgba(255,255,255,.1); padding-top: 22px; font-size: 12.5px; line-height: 1.6 }
@media (max-width: 900px) { .rodape .wrap { grid-template-columns: repeat(2, minmax(0, 1fr)) } .rodape .wrap > div:first-child { grid-column: 1 / -1 } }
@media (max-width: 520px) { .rodape .wrap { grid-template-columns: minmax(0, 1fr) } }

/* botão flutuante */
.flutua { position: fixed; right: max(18px, calc(env(safe-area-inset-right, 0px) + 12px)); bottom: max(18px, calc(env(safe-area-inset-bottom, 0px) + 12px)); z-index: 70; width: 62px; height: 62px; border-radius: 50%; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--zap-2), var(--zap)); color: #fff; box-shadow: 0 14px 30px -8px rgba(30,173,87,.7) }
.flutua svg { width: 32px; height: 32px }
.flutua::before { content: ""; position: absolute; inset: 0; border-radius: 50%; border: 2px solid var(--zap-2); animation: pulso 2.4s ease-out infinite }

@media (prefers-reduced-motion: reduce) { *, *::before, *::after { animation: none !important; transition: none !important } html { scroll-behavior: auto } }

/* ===== Quais créditos a gente analisa ===== */
.creditos-sec { background: var(--sunk) }
.vant { background: var(--paper) }
.vant .cartao { background: var(--sunk); border-color: transparent }
.creditos { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px }
.cred { position: relative; background: var(--paper); border: 1px solid var(--line); border-radius: 20px; padding: 26px; display: flex; flex-direction: column; gap: 12px; color: var(--ink); text-decoration: none; transition: transform .2s ease, box-shadow .2s ease, border-color .2s }
.cred:hover { transform: translateY(-4px); border-color: var(--gold); box-shadow: 0 22px 40px -24px rgba(11,23,48,.35) }
.cred h3 { font-size: 21px }
.cred p { color: var(--muted); font-size: 15px }
.cred .sel { align-self: flex-start; font: 800 11px var(--display); letter-spacing: .1em; text-transform: uppercase; color: #7A560A; background: #FBF1D9; border-radius: 99px; padding: 5px 10px }
.chips { display: flex; flex-wrap: wrap; gap: 6px; list-style: none; margin: 0; padding: 0 }
.chips li { background: var(--sunk); border-radius: 99px; padding: 4px 10px; font: 600 12.5px var(--display); color: var(--ink) }
.cred .mais { margin-top: auto; padding-top: 6px; font: 800 14px var(--display); color: var(--navy); display: inline-flex; gap: 6px; align-items: center }
.cred .mais svg { width: 18px; height: 18px; color: var(--gold); transition: transform .2s }
.cred:hover .mais svg { transform: translateX(4px) }
.cred.escuro { background: var(--navy); color: #fff; border-color: var(--navy) }
.cred.escuro p { color: rgba(255,255,255,.75) }
.cred.escuro .mais { color: var(--gold-2) }
.cred.escuro .chips li { background: rgba(255,255,255,.1); color: #fff }
.nota-cred { margin-top: 22px; font-size: 14px; color: var(--muted); max-width: 80ch }
@media (max-width: 960px) { .creditos { grid-template-columns: repeat(2, minmax(0, 1fr)) } }
@media (max-width: 600px) { .creditos { grid-template-columns: minmax(0, 1fr) } }

/* ===== Situações ilustrativas ===== */
.casos { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px }
.caso { background: var(--sunk); border-radius: 22px; padding: 26px; display: grid; gap: 14px; align-content: start }
.caso .perfil { display: flex; gap: 12px; align-items: center }
.caso .av { width: 46px; height: 46px; border-radius: 50%; background: var(--navy); color: var(--gold-2); display: grid; place-items: center; flex: none }
.caso .av svg { width: 24px; height: 24px }
.caso .perfil b { font: 800 16px var(--display); display: block }
.caso .perfil span { font-size: 13px; color: var(--muted) }
.caso dl { margin: 0; display: grid; gap: 10px }
.caso dt { font: 800 11px var(--display); letter-spacing: .12em; text-transform: uppercase; color: #8A6410 }
.caso dd { margin: 2px 0 0; color: var(--ink); font-size: 15px }
.selo-ilustra { display: inline-flex; align-items: center; gap: 8px; font: 700 12px var(--display); letter-spacing: .06em; color: var(--muted); background: var(--sunk); border-radius: 99px; padding: 6px 12px; justify-self: start }
@media (max-width: 900px) { .casos { grid-template-columns: minmax(0, 1fr) } }

/* ===== Segurança ===== */
.seguranca { background: var(--sunk) }
.seg { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(28px, 5vw, 64px); align-items: center }
.seg .lista li { color: var(--ink) }
.seg .lista li b { color: var(--ink) }
.seg .lista svg { color: var(--zap) }
.cnpj { background: var(--navy); color: #fff; border-radius: 24px; padding: clamp(24px, 4vw, 36px); display: grid; gap: 16px; position: relative; overflow: hidden }
.cnpj::after { content: ""; position: absolute; right: -80px; bottom: -80px; width: 260px; height: 260px; border-radius: 50%; background: radial-gradient(circle, rgba(246,207,106,.3), transparent 70%) }
.cnpj .rot { font: 700 12px var(--display); letter-spacing: .16em; text-transform: uppercase; color: var(--gold-2) }
.cnpj .num { font: 900 clamp(26px, 3.4vw, 36px)/1.1 var(--display); letter-spacing: .01em; font-variant-numeric: tabular-nums; user-select: all }
.cnpj p { color: rgba(255,255,255,.78); position: relative; z-index: 1 }
.cnpj .alerta { background: rgba(255,255,255,.08); border: 1px solid rgba(246,207,106,.4); border-radius: 14px; padding: 14px 16px; font-size: 15px; color: #fff; position: relative; z-index: 1 }
.cnpj .alerta b { color: var(--gold-2) }
@media (max-width: 900px) { .seg { grid-template-columns: minmax(0, 1fr) } }

/* ===== Barra fixa no celular ===== */
.barra-movel { display: none }
@media (max-width: 700px) {
  .barra-movel { display: grid; grid-template-columns: 1fr auto; gap: 10px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 70; padding: 10px max(12px, env(safe-area-inset-left, 0px)) calc(10px + env(safe-area-inset-bottom, 0px)); background: rgba(11, 23, 48, .96); backdrop-filter: blur(10px); border-top: 1px solid rgba(255,255,255,.1); transition: transform .25s ease }
  .barra-movel .btn { min-height: 50px; font-size: 15px; padding: 0 16px; border-radius: 12px }
  .barra-movel .btn-zap { width: 56px; padding: 0 }
  .barra-movel.some { transform: translateY(110%) }
  .flutua { display: none }
  body { padding-bottom: calc(72px + env(safe-area-inset-bottom, 0px)) }
}

/* ===== Aviso de cookies ===== */
.consent { position: fixed; z-index: 90; left: max(16px, env(safe-area-inset-left, 0px)); bottom: max(16px, env(safe-area-inset-bottom, 0px)); max-width: 440px; background: var(--paper); color: var(--ink); border: 1px solid var(--line); border-radius: 18px; padding: 18px 20px; box-shadow: 0 30px 60px -20px rgba(11,23,48,.45); display: grid; gap: 12px; font-size: 14px }
.consent p { color: var(--muted) }
.consent a { color: var(--navy); font-weight: 600 }
.consent .bts { display: flex; gap: 8px; flex-wrap: wrap }
.consent .btn { min-height: 44px; font-size: 14px; padding: 0 16px; border-radius: 11px }
.consent .btn-claro { background: var(--sunk); color: var(--ink) }
@media (max-width: 700px) { .consent { right: 12px; left: 12px; max-width: none; bottom: calc(84px + env(safe-area-inset-bottom, 0px)) } }

/* ===== Páginas por tipo de crédito ===== */
.sub-hero { background: radial-gradient(900px 480px at 90% -20%, rgba(224,176,72,.22), transparent 60%), var(--navy); color: #fff; position: relative; overflow: hidden }
.sub-hero .wrap { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr); gap: clamp(28px, 5vw, 56px); align-items: center; padding-block: clamp(40px, 6vw, 80px) }
.sub-hero h1 { font-size: clamp(34px, 5vw, 58px); font-weight: 900; letter-spacing: -.03em; line-height: 1.04; margin-top: 12px }
.sub-hero .lead { color: rgba(255,255,255,.78); margin-top: 18px }
.sub-hero .ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px }
.migalha { display: flex; flex-wrap: wrap; gap: 6px; list-style: none; margin: 0 0 18px; padding: 0; font: 600 13px var(--display); color: rgba(255,255,255,.6) }
.migalha li + li::before { content: "›"; margin-right: 6px; opacity: .6 }
.migalha a { text-decoration: none; color: rgba(255,255,255,.75) }
.migalha a:hover { color: var(--gold-2) }
.resumo { background: linear-gradient(160deg, rgba(255,255,255,.1), rgba(255,255,255,.03)); border: 1px solid rgba(255,255,255,.14); border-radius: 22px; padding: 24px; display: grid; gap: 14px }
.resumo h2 { font-size: 13px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-2) }
.resumo ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px }
.resumo li { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 10px; font-size: 15px; color: rgba(255,255,255,.88) }
.resumo svg { width: 20px; height: 20px; color: var(--gold-2); margin-top: 2px }
@media (max-width: 900px) { .sub-hero .wrap { grid-template-columns: minmax(0, 1fr) } }
@media (max-width: 520px) { .sub-hero .ctas .btn { width: 100% } }
.texto { max-width: 760px; display: grid; gap: 16px }
.texto h2 { font-size: clamp(26px, 3.2vw, 34px); margin-top: 22px }
.texto h2:first-child { margin-top: 0 }
.texto p, .texto li { color: var(--muted); font-size: 17px }
.texto ul { margin: 0; padding-left: 20px; display: grid; gap: 8px }
.texto strong { color: var(--ink) }
.texto .caixa { background: var(--sunk); border-left: 4px solid var(--gold); border-radius: 0 14px 14px 0; padding: 16px 18px; color: var(--ink) }
.outras { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 8px }
.outras a { text-decoration: none; background: var(--sunk); border: 1px solid var(--line); border-radius: 99px; padding: 8px 14px; font: 700 14px var(--display); color: var(--navy) }
.outras a:hover { border-color: var(--gold) }
.form.so .abas { display: none }

/* Painel do parceiro descrito em texto */
.painel-txt { background: var(--paper); color: var(--ink); border-radius: 22px; padding: clamp(24px, 3vw, 32px); box-shadow: 0 40px 80px -36px rgba(0,0,0,.7); display: grid; gap: 16px }
.painel-txt h3 { font-size: 22px }
.painel-txt ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px }
.painel-txt li { display: grid; grid-template-columns: 24px minmax(0, 1fr); gap: 12px; font-size: 15.5px; color: var(--muted) }
.painel-txt li b { color: var(--ink) }
.painel-txt svg { width: 22px; height: 22px; color: var(--gold); margin-top: 1px }
.painel-txt p { font-size: 13.5px; color: var(--muted); border-top: 1px solid var(--line); padding-top: 14px }