/* ===========================
   CSS Variables — Assilem Brand (per Manual de Marca)
   Primary: #0A1626 / Accent Gold: #D9A566
   Brand Blue: #4B83F2 / Bronze: #8C704F
   Typography: Lato
   =========================== */
:root {
  --primary: #0A1626;
  --primary-light: #132240;
  --primary-mid: #1C3459;
  --secondary: #4B83F2;
  --accent: #D9A566;
  --accent-hover: #B8894A;
  --accent-light: rgba(217, 165, 102, 0.1);
  --bronze: #8C704F;
  --gradient: linear-gradient(160deg, #0A1626 0%, #1C3459 100%);
  --bg-light: #F7F5F2;
  --bg-white: #FFFFFF;
  --text-dark: #0A1626;
  --text-medium: #525A64;
  --text-light: #8494A7;
  --border: #E1E5EB;
  --border-light: #EDE9E3;
  --shadow-sm: 0 2px 8px rgba(10, 22, 38, 0.06);
  --shadow-md: 0 8px 24px rgba(10, 22, 38, 0.08);
  --shadow-lg: 0 16px 48px rgba(10, 22, 38, 0.1);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 20px;
  --font-heading: 'Lato', sans-serif;
  --font-body: 'Lato', sans-serif;
  --transition: 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ===========================
   Reset & Base
   =========================== */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  color: var(--text-dark);
  background: var(--bg-white);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img {
  max-width: 100%;
  display: block;
}

a {
  text-decoration: none;
  color: inherit;
}

ul {
  list-style: none;
}

button {
  cursor: pointer;
  font-family: var(--font-body);
}

input, select, textarea {
  font-family: var(--font-body);
}

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.text-accent {
  color: var(--accent);
}

/* ===========================
   Section Styles
   =========================== */
.section-tag {
  display: inline-block;
  background: var(--accent-light);
  color: var(--accent);
  padding: 8px 20px;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 16px;
  font-family: var(--font-body);
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 60px;
}

.section-header h2 {
  font-family: var(--font-heading);
  font-size: 2.25rem;
  font-weight: 400;
  line-height: 1.25;
  margin-bottom: 16px;
  color: var(--text-dark);
}

.section-header p {
  color: var(--text-medium);
  font-size: 1.05rem;
  line-height: 1.7;
}

/* ===========================
   Buttons
   =========================== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  transition: var(--transition);
  cursor: pointer;
  white-space: nowrap;
  font-family: var(--font-body);
}

.btn-lg {
  padding: 16px 36px;
  font-size: 1.05rem;
}

.btn-primary {
  background: var(--accent);
  color: #fff;
}

.btn-primary:hover {
  background: var(--accent-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(217, 165, 102, 0.3);
}

.btn-outline {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255, 255, 255, 0.35);
}

.btn-outline:hover {
  border-color: #fff;
  background: rgba(255, 255, 255, 0.1);
}

.btn-ghost {
  background: transparent;
  color: var(--text-medium);
  border: 2px solid var(--border);
}

.btn-ghost:hover {
  border-color: var(--text-medium);
  color: var(--text-dark);
}

.btn-accent {
  background: var(--accent);
  color: #fff;
  font-weight: 700;
}

.btn-accent:hover {
  background: var(--accent-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(217, 165, 102, 0.35);
}

/* ===========================
   Animations
   =========================== */
[data-animate] {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.8s ease, transform 0.8s ease;
}

[data-animate].animate-in {
  opacity: 1;
  transform: translateY(0);
}

[data-animate-stagger] {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.8s ease, transform 0.8s ease;
}

[data-animate-stagger].animate-in {
  opacity: 1;
  transform: translateY(0);
}

@keyframes slideInRight {
  from { opacity: 0; transform: translateX(40px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes slideInLeft {
  from { opacity: 0; transform: translateX(-40px); }
  to { opacity: 1; transform: translateX(0); }
}

/* Reduced Motion */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }

  [data-animate],
  [data-animate-stagger] {
    opacity: 1;
    transform: none;
    transition: none;
  }

  html {
    scroll-behavior: auto;
  }
}

/* ===========================
   Navbar
   =========================== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  padding: 16px 0;
  background: var(--bg-white);
  transition: var(--transition);
}

.navbar.scrolled {
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(12px);
  padding: 10px 0;
  box-shadow: 0 2px 16px rgba(10, 22, 38, 0.08);
}

.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  display: inline-flex;
  align-items: center;
  line-height: 1;
}

.logo-img {
  display: block;
  height: 40px;
  width: auto;
  transition: var(--transition);
}

.navbar.scrolled .logo-img {
  height: 36px;
}

@media (max-width: 480px) {
  .logo-img {
    height: 32px;
  }
}

.nav-links {
  display: flex;
  gap: 28px;
}

.nav-links a {
  color: var(--text-medium);
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.8px;
  transition: var(--transition);
  position: relative;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--accent);
  transition: var(--transition);
}

.nav-links a:hover {
  color: var(--primary);
}

.nav-links a:hover::after {
  width: 100%;
}

.nav-cta {
  padding: 10px 24px;
  font-size: 0.88rem;
}

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 4px;
}

.mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: var(--transition);
}

/* ===========================
   Hero — Photo Background
   =========================== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 160px 0 80px;
  overflow: hidden;
  background-image: url('https://images.unsplash.com/photo-1600880292203-757bb62b4baf?w=1920&q=80');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(10, 22, 38, 0.72);
  z-index: 1;
}

.hero-inner {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
}

.hero-content {
  max-width: 60%;
}

.hero-badge {
  display: inline-block;
  background: rgba(217, 165, 102, 0.15);
  color: var(--accent);
  padding: 8px 20px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
  margin-bottom: 24px;
  border: 1px solid rgba(217, 165, 102, 0.25);
  font-family: var(--font-body);
  letter-spacing: 0.3px;
}

.hero h1 {
  font-family: var(--font-heading);
  font-size: 3.4rem;
  font-weight: 400;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 20px;
}

.hero-subtitle {
  color: rgba(255, 255, 255, 0.75);
  font-size: 1.1rem;
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 520px;
  font-weight: 300;
}

.hero-buttons {
  display: flex;
  gap: 16px;
  margin-bottom: 0;
}

/* Free Simulation Badge — Hero */
.free-simulation-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 20px;
  padding: 10px 24px;
  background: rgba(217, 165, 102, 0.15);
  border: 1px solid var(--accent);
  border-radius: 50px;
  color: var(--accent);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}

.free-simulation-badge i {
  font-size: 1rem;
}

/* Free Simulation Tag — Simulator */
.simulator-free-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 16px;
  padding: 8px 20px;
  background: linear-gradient(135deg, var(--accent), var(--accent-hover));
  color: white;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

/* Hero Stats Row */
.hero-stats-row {
  display: flex;
  gap: 20px;
  margin-top: 60px;
}

.hero-stat-card {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-md);
  padding: 24px 32px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.hero-stat-card .stat-value {
  color: var(--accent);
  font-size: 1.6rem;
  font-weight: 700;
  font-family: var(--font-body);
  line-height: 1.2;
  margin-bottom: 4px;
}

.hero-stat-card .stat-label {
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.82rem;
  font-weight: 400;
}

/* ===========================
   About — Photo Layout
   =========================== */
.about {
  padding: 110px 0;
}

.about-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.about-content .section-tag {
  margin-bottom: 16px;
}

.about-content h2 {
  font-family: var(--font-heading);
  font-size: 2.25rem;
  font-weight: 400;
  line-height: 1.25;
  margin-bottom: 20px;
}

.about-content p {
  color: var(--text-medium);
  margin-bottom: 16px;
  line-height: 1.75;
}

.about-features {
  margin-top: 32px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.about-feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.about-feature i {
  width: 44px;
  height: 44px;
  min-width: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--accent-light);
  color: var(--accent);
  border-radius: var(--radius-sm);
  font-size: 1rem;
}

.about-feature strong {
  display: block;
  font-weight: 600;
  margin-bottom: 2px;
  color: var(--text-dark);
}

.about-feature span {
  color: var(--text-medium);
  font-size: 0.9rem;
}

/* About Visual — Photo Card */
.about-visual {
  position: relative;
}

.about-image-box {
  position: relative;
}

.about-photo-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border-left: 4px solid var(--accent);
}

.about-photo-wrapper {
  overflow: hidden;
}

.about-photo-wrapper img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  object-position: center top;
  transition: transform 0.6s ease;
}

.about-photo-card:hover .about-photo-wrapper img {
  transform: scale(1.03);
}

.about-photo-caption {
  background: var(--bg-white);
  padding: 14px 20px;
  font-size: 0.85rem;
  color: var(--text-medium);
  font-weight: 500;
  text-align: center;
  letter-spacing: 0.2px;
}

/* ===========================
   Solutions
   =========================== */
.solutions {
  padding: 110px 0;
  background: var(--bg-white);
}

.solutions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.solution-card {
  background: var(--bg-white);
  border-radius: var(--radius-md);
  padding: 36px 28px;
  border: 1px solid var(--border-light);
  border-bottom: 2px solid transparent;
  transition: var(--transition);
}

.solution-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-bottom-color: var(--accent);
}

.solution-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--accent-light);
  color: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  margin-bottom: 20px;
  transition: var(--transition);
  border: 1px solid rgba(217, 165, 102, 0.2);
}

.solution-card:hover .solution-icon {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}

.solution-card h3 {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 400;
  margin-bottom: 10px;
  color: var(--text-dark);
}

.solution-card p {
  color: var(--text-medium);
  font-size: 0.92rem;
  line-height: 1.65;
  margin-bottom: 20px;
}

.solution-link {
  color: var(--accent);
  font-weight: 600;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}

.solution-link:hover {
  gap: 10px;
  color: var(--accent-hover);
}

.solution-rules {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--border-light);
  font-size: 0.82rem;
  color: var(--text-medium);
}

.solution-rules span {
  display: block;
}

.international-products {
  margin-top: 60px;
  text-align: center;
}

.international-title {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  margin-bottom: 30px;
  color: var(--text-dark);
}

.international-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px;
  max-width: 800px;
  margin: 0 auto;
}

.international-card {
  display: block;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  transition: var(--transition);
  cursor: pointer;
}

.international-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.international-card h3 {
  font-family: var(--font-heading);
  margin: 12px 0 8px;
}

.international-card p {
  color: var(--text-medium);
  font-size: 0.9rem;
}

@media (max-width: 600px) {
  .international-grid {
    grid-template-columns: 1fr;
  }
}

/* ===========================
   Differentials — Nosso Diferencial
   =========================== */
.differentials {
  padding: 110px 0;
  background: var(--bg-light);
  position: relative;
}

.differentials .section-header {
  max-width: 820px;
}

.differentials .section-header h2 .text-accent {
  white-space: nowrap;
}

.differentials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.differential-card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: var(--transition);
  border-top: 3px solid var(--accent);
}

.differential-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.differential-icon {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-md);
  background: var(--gradient);
  color: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 24px;
  box-shadow: 0 6px 18px rgba(10, 22, 38, 0.18);
}

.differential-card h3 {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--text-dark);
  line-height: 1.3;
}

.differential-card p {
  color: var(--text-medium);
  font-size: 0.95rem;
  line-height: 1.7;
}

@media (max-width: 1024px) {
  .differentials-grid {
    grid-template-columns: 1fr;
    max-width: 560px;
    margin: 0 auto;
  }
}

@media (max-width: 768px) {
  .differentials {
    padding: 80px 0;
  }
  .differential-card {
    padding: 32px 24px;
  }
  .differentials .section-header h2 .text-accent {
    white-space: normal;
  }
}

/* ===========================
   Testimonials
   =========================== */
.testimonials {
  padding: 110px 0;
  background: var(--bg-light);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.testimonial-card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-light);
  border-bottom: 2px solid transparent;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}

.testimonial-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 16px;
}

.testimonial-stars i {
  color: #E5A100;
  font-size: 0.85rem;
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-bottom-color: var(--accent);
}

.testimonial-quote-icon {
  margin-bottom: 20px;
}

.testimonial-quote-icon i {
  font-size: 2rem;
  color: var(--accent);
  font-family: var(--font-heading);
}

.testimonial-text {
  color: var(--text-dark);
  font-size: 1rem;
  line-height: 1.75;
  margin-bottom: 28px;
  flex: 1;
  font-style: italic;
  font-weight: 400;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 20px;
  border-top: 1px solid var(--border-light);
}

.testimonial-photo {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
  border: 2px solid var(--accent);
}

.testimonial-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.testimonial-info {
  display: flex;
  flex-direction: column;
}

.testimonial-info strong {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text-dark);
  line-height: 1.3;
}

.testimonial-info span {
  font-size: 0.8rem;
  color: var(--text-light);
  line-height: 1.4;
}

/* ===========================
   How it Works — Split Layout
   =========================== */
.how-it-works {
  padding: 110px 0;
  background: var(--bg-white);
}

.how-it-works-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.how-it-works-content .section-tag {
  margin-bottom: 16px;
}

.how-it-works-content h2 {
  font-family: var(--font-heading);
  font-size: 2.25rem;
  font-weight: 400;
  line-height: 1.25;
  margin-bottom: 12px;
}

.how-it-works-desc {
  color: var(--text-medium);
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 40px;
}

/* Steps Vertical */
.steps-vertical {
  display: flex;
  flex-direction: column;
  gap: 28px;
  position: relative;
}

.steps-vertical::before {
  content: '';
  position: absolute;
  left: 24px;
  top: 48px;
  bottom: 24px;
  width: 2px;
  background: var(--border-light);
}

.step-item {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  position: relative;
}

.step-item .step-number {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  z-index: 1;
  font-family: var(--font-body);
}

.step-body h3 {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 400;
  margin-bottom: 4px;
  padding-top: 2px;
  color: var(--text-dark);
}

.step-body p {
  color: var(--text-medium);
  font-size: 0.9rem;
  line-height: 1.6;
}

/* How it Works — Photo Card */
.how-it-works-visual {
  position: relative;
}

.how-it-works-photo-card {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.how-it-works-photo-card img {
  width: 100%;
  height: 520px;
  object-fit: cover;
  object-position: center;
  transition: transform 0.6s ease;
}

.how-it-works-photo-card:hover img {
  transform: scale(1.03);
}

/* ===========================
   Simulator
   =========================== */
.simulator {
  padding: 110px 0;
  background: var(--bg-light);
}

.simulator-box {
  max-width: 740px;
  margin: 0 auto;
  background: var(--bg-white);
  border-radius: var(--radius-xl);
  padding: 48px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border-light);
}

/* Progress Bar */
.sim-progress {
  margin-bottom: 40px;
}

.sim-progress-bar {
  width: 100%;
  height: 3px;
  background: var(--border-light);
  border-radius: 2px;
  overflow: hidden;
  margin-bottom: 20px;
}

.sim-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--accent), var(--accent-hover));
  border-radius: 3px;
  transition: width 0.5s ease;
  width: 20%;
}

.sim-steps-indicators {
  display: flex;
  justify-content: space-between;
}

.sim-step-indicator {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  cursor: default;
}

.indicator-number {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--border-light);
  color: var(--text-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.82rem;
  font-weight: 700;
  transition: var(--transition);
}

.sim-step-indicator.active .indicator-number,
.sim-step-indicator.completed .indicator-number {
  background: var(--accent);
  color: #fff;
}

.sim-step-indicator.completed .indicator-number {
  background: var(--accent);
}

.indicator-label {
  font-size: 0.75rem;
  color: var(--text-light);
  font-weight: 500;
  transition: var(--transition);
}

.sim-step-indicator.active .indicator-label {
  color: var(--accent);
  font-weight: 600;
}

.sim-step-indicator.completed .indicator-label {
  color: var(--text-medium);
}

/* Steps */
.sim-step {
  display: none;
}

.sim-step.active {
  display: block;
  animation: slideInRight 0.4s ease;
}

.sim-step h3 {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 400;
  margin-bottom: 6px;
  color: var(--text-dark);
}

.sim-step-desc {
  color: var(--text-medium);
  font-size: 0.92rem;
  margin-bottom: 28px;
}

.conjuge-section {
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border-light);
}

.conjuge-title,
.address-title {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  color: var(--text-dark);
  margin-bottom: 16px;
  margin-top: 32px;
}

/* Credit Type Cards */
.credit-type-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.credit-type-card {
  cursor: pointer;
  display: flex;
}

.credit-type-card input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.ctc-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 24px 12px;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  text-align: center;
  transition: var(--transition);
  font-size: 0.85rem;
  font-weight: 500;
  width: 100%;
  min-height: 110px;
}

.ctc-inner i {
  font-size: 1.5rem;
  color: var(--text-light);
  transition: var(--transition);
}

.credit-type-card input:checked + .ctc-inner {
  border-color: var(--accent);
  background: var(--accent-light);
}

.credit-type-card input:checked + .ctc-inner i {
  color: var(--accent);
}

.credit-type-card:hover .ctc-inner {
  border-color: var(--accent);
}

/* Form Fields */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-group-full {
  grid-column: 1 / -1;
}

.form-group {
  display: flex;
  flex-direction: column;
}

.form-group label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
}

.form-group input,
.form-group select {
  padding: 12px 16px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  color: var(--text-dark);
  background: var(--bg-white);
  transition: var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus {
  border-color: var(--accent);
  box-shadow: 0 2px 0 0 var(--accent);
}

.form-group input.error,
.form-group select.error {
  border-color: #FC8181;
}

.form-group .error-message {
  color: #E53E3E;
  font-size: 0.8rem;
  margin-top: 4px;
}

/* Range Slider */
.range-wrapper {
  padding: 8px 0;
}

.range-wrapper input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 5px;
  background: var(--border-light);
  border-radius: 3px;
  outline: none;
  border: none;
  padding: 0;
}

.range-wrapper input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  background: var(--accent);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(217, 165, 102, 0.35);
  transition: var(--transition);
}

.range-wrapper input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  box-shadow: 0 4px 12px rgba(217, 165, 102, 0.45);
}

.range-wrapper input[type="range"]::-moz-range-thumb {
  width: 24px;
  height: 24px;
  background: var(--accent);
  border-radius: 50%;
  cursor: pointer;
  border: none;
  box-shadow: 0 2px 8px rgba(217, 165, 102, 0.35);
}

.range-display {
  text-align: center;
  margin: 12px 0 4px;
}

.range-value {
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--primary);
}

.range-limits {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--text-light);
}

/* Valor Hybrid Field */
.valor-hybrid {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.valor-input-wrapper {
  position: relative;
}

.valor-text-input {
  width: 100%;
  padding: 16px 20px;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--accent);
  background: var(--bg-light);
  border: 2px solid var(--border);
  border-radius: var(--radius-md);
  text-align: center;
  transition: var(--transition);
}

.valor-text-input:focus {
  outline: none;
  border-color: var(--accent);
  background: white;
}

.valor-hint {
  font-size: 0.78rem;
  color: var(--text-light);
  text-align: center;
  margin: 0;
}

.valor-rules,
.prazo-rules {
  font-size: 0.78rem;
  color: var(--accent);
  margin-top: 6px;
  font-weight: 500;
}

/* Summary */
.summary-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 24px;
}

.summary-item {
  background: var(--bg-light);
  padding: 16px;
  border-radius: var(--radius-sm);
}

.summary-item .summary-label {
  display: block;
  font-size: 0.78rem;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}

.summary-item .summary-value {
  font-weight: 600;
  color: var(--text-dark);
  font-size: 0.95rem;
}

/* Terms */
.terms-group {
  margin-top: 8px;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
  font-size: 0.88rem;
  color: var(--text-medium);
  line-height: 1.5;
}

.checkbox-label input[type="checkbox"] {
  width: 20px;
  height: 20px;
  min-width: 20px;
  margin-top: 2px;
  accent-color: var(--accent);
  cursor: pointer;
}

.checkbox-label a {
  color: var(--accent);
  font-weight: 600;
}

/* Simulator Nav */
.sim-nav {
  display: flex;
  justify-content: space-between;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border-light);
}

/* Success State */
.sim-success {
  text-align: center;
  padding: 40px 20px;
}

.success-icon {
  font-size: 4rem;
  color: var(--accent);
  margin-bottom: 24px;
}

.sim-success h3 {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 400;
  margin-bottom: 12px;
}

.sim-success p {
  color: var(--text-medium);
  margin-bottom: 32px;
  max-width: 460px;
  margin-left: auto;
  margin-right: auto;
}

/* ===========================
   CTA Section — Photo Background
   =========================== */
.cta-section {
  position: relative;
  padding: 100px 0;
  background-image: url('https://images.unsplash.com/photo-1507003211169-0a1dd7228f2d?w=1920&q=80');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  overflow: hidden;
}

.cta-overlay {
  position: absolute;
  inset: 0;
  background: rgba(10, 22, 38, 0.8);
  z-index: 1;
}

.cta-inner {
  position: relative;
  z-index: 2;
  text-align: center;
}

.cta-inner h2 {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 400;
  color: #fff;
  margin-bottom: 16px;
}

.cta-inner p {
  color: rgba(255, 255, 255, 0.7);
  font-size: 1.1rem;
  max-width: 540px;
  margin: 0 auto 32px;
  line-height: 1.7;
}

/* ===========================
   Footer
   =========================== */
.footer {
  background: var(--primary);
  padding: 64px 0 0;
  color: rgba(255, 255, 255, 0.7);
  border-top: 1px solid var(--accent);
}

.footer .logo-img {
  height: 44px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
}

.footer-brand p {
  font-size: 0.9rem;
  margin-top: 16px;
  line-height: 1.7;
}

.footer-social {
  display: flex;
  gap: 12px;
  margin-top: 20px;
}

.footer-social a {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  font-size: 1rem;
}

.footer-social a:hover {
  background: var(--accent);
  color: #fff;
}

.footer-col h4 {
  color: #fff;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 400;
  margin-bottom: 20px;
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-col a {
  font-size: 0.9rem;
  transition: var(--transition);
}

.footer-col a:hover {
  color: var(--accent);
}

.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.88rem;
  line-height: 1.5;
}

.footer-contact i {
  color: var(--accent);
  width: 16px;
  text-align: center;
  margin-top: 4px;
  flex-shrink: 0;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 20px 0;
  display: flex;
  justify-content: center;
  align-items: center;
  font-size: 0.85rem;
  text-align: center;
}

.footer-bottom-links {
  display: flex;
  gap: 24px;
}

.footer-bottom-links a {
  font-size: 0.85rem;
  transition: var(--transition);
}

.footer-bottom-links a:hover {
  color: var(--accent);
}

/* ===========================
   Gold Decorative Lines (V2 Signature)
   =========================== */
.gold-line {
  display: block;
  width: 0;
  height: 2px;
  background: var(--accent);
  transition: width 1s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

.gold-line.animate-in {
  width: 60px;
}

.hero-gold-rule {
  margin-bottom: 20px;
}

.cta-gold-line {
  margin: 0 auto 24px;
}

.about-photo-line {
  margin-top: 16px;
}

/* Stat Labels Refinement */
.hero-stat-card .stat-label {
  text-transform: uppercase;
  letter-spacing: 1px;
  font-size: 0.75rem;
}

/* Footer Link Underlines */
.footer-col a {
  position: relative;
}

.footer-col a::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 1px;
  background: var(--accent);
  transition: var(--transition);
}

.footer-col a:hover::after {
  width: 100%;
}

/* Footer Social — Gold Border Circles */
.footer-social a {
  border: 1px solid rgba(217, 165, 102, 0.25);
}

.footer-social a:hover {
  border-color: var(--accent);
}

/* ===========================
   Mobile Drawer Overlay
   =========================== */
.mobile-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(10, 22, 38, 0.5);
  z-index: 999;
  opacity: 0;
  transition: opacity 0.3s ease;
}

.mobile-overlay.active {
  display: block;
  opacity: 1;
}

/* ===========================
   WhatsApp Float
   =========================== */
.whatsapp-float {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 56px;
  height: 56px;
  background: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.6rem;
  box-shadow: 0 4px 16px rgba(10, 22, 38, 0.25);
  z-index: 999;
  transition: var(--transition);
}

.whatsapp-float:hover {
  transform: scale(1.1);
  box-shadow: 0 6px 20px rgba(10, 22, 38, 0.35);
  background: var(--primary-light);
}

/* ===========================
   Loading Spinner
   =========================== */
.loading-spinner {
  display: inline-block;
  width: 20px;
  height: 20px;
  border: 3px solid rgba(255, 255, 255, 0.3);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

/* ===========================
   Responsive — 1024px
   =========================== */
@media (max-width: 1024px) {
  .hero h1 {
    font-size: 2.6rem;
  }

  .hero-content {
    max-width: 70%;
  }

  .hero-stats-row {
    max-width: 70%;
  }

  .solutions-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .testimonials-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .testimonials-grid .testimonial-card:last-child {
    grid-column: 1 / -1;
    max-width: 50%;
    margin: 0 auto;
  }

  .how-it-works-inner {
    gap: 40px;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 36px;
  }

  .about-inner {
    gap: 50px;
  }

  .about-photo-wrapper img {
    height: 400px;
  }

  .how-it-works-photo-card img {
    height: 440px;
  }
}

/* ===========================
   Responsive — 768px
   =========================== */
@media (max-width: 768px) {
  .nav-links,
  .nav-cta {
    display: none;
  }

  .mobile-toggle {
    display: flex;
  }

  /* Mobile Drawer — slides in from right */
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 0;
    right: 0;
    width: 300px;
    height: 100vh;
    background: var(--bg-white);
    padding: 80px 32px 32px;
    gap: 8px;
    box-shadow: -8px 0 40px rgba(10, 22, 38, 0.15);
    z-index: 1001;
    animation: slideDrawer 0.35s ease;
  }

  @keyframes slideDrawer {
    from { transform: translateX(100%); }
    to { transform: translateX(0); }
  }

  .nav-links.open a {
    font-size: 1.05rem;
    padding: 12px 0;
    color: var(--text-dark);
    border-bottom: 1px solid var(--border-light);
    letter-spacing: 0.5px;
  }

  .nav-links.open a:hover {
    color: var(--accent);
  }

  .hero {
    padding: 130px 0 60px;
    min-height: auto;
  }

  .hero-content {
    max-width: 100%;
    text-align: center;
  }

  .hero h1 {
    font-size: 2.1rem;
  }

  .hero-subtitle {
    margin: 0 auto 28px;
  }

  .hero-buttons {
    justify-content: center;
    flex-wrap: wrap;
  }

  .hero-stats-row {
    max-width: 100%;
    flex-direction: column;
    gap: 12px;
  }

  .hero-stat-card {
    text-align: center;
    align-items: center;
    padding: 16px 24px;
  }

  .about-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .about-content h2 {
    font-size: 1.75rem;
  }

  .about-photo-wrapper img {
    height: 320px;
  }

  .section-header h2 {
    font-size: 1.75rem;
  }

  .solutions-grid {
    grid-template-columns: 1fr;
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .testimonials-grid .testimonial-card:last-child {
    grid-column: auto;
    max-width: 100%;
  }

  .how-it-works-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .how-it-works-content h2 {
    font-size: 1.75rem;
  }

  .how-it-works-photo-card img {
    height: 300px;
  }

  .simulator-box {
    padding: 28px 20px;
  }

  .credit-type-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .form-grid {
    grid-template-columns: 1fr;
  }

  .summary-grid {
    grid-template-columns: 1fr;
  }

  .sim-steps-indicators {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    gap: 8px;
    padding-bottom: 8px;
    flex-wrap: nowrap;
  }

  .sim-step-indicator {
    min-width: auto;
    flex-shrink: 0;
  }

  .sim-step-indicator .indicator-label {
    font-size: 0.6rem;
  }

  .sim-step-indicator .indicator-number {
    width: 28px;
    height: 28px;
    font-size: 0.75rem;
  }

  .cta-inner h2 {
    font-size: 1.75rem;
  }

  .cta-section {
    padding: 80px 0;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }

  .steps-vertical::before {
    left: 24px;
  }
}

/* ===========================
   Responsive — 480px
   =========================== */
@media (max-width: 480px) {
  .hero {
    padding: 120px 0 50px;
  }

  .hero h1 {
    font-size: 1.75rem;
  }

  .hero-badge {
    font-size: 0.75rem;
    padding: 6px 14px;
  }

  .hero-subtitle {
    font-size: 0.95rem;
  }

  .hero-stat-card .stat-value {
    font-size: 1.3rem;
  }

  .credit-type-grid {
    grid-template-columns: 1fr;
  }

  .range-value {
    font-size: 1.4rem;
  }

  .about-content h2 {
    font-size: 1.5rem;
  }

  .section-header h2 {
    font-size: 1.5rem;
  }

  .how-it-works-content h2 {
    font-size: 1.5rem;
  }

  .cta-inner h2 {
    font-size: 1.5rem;
  }

  .testimonial-card {
    padding: 28px 24px;
  }

  .testimonial-text {
    font-size: 0.92rem;
  }

  .step-item .step-number {
    width: 40px;
    height: 40px;
    min-width: 40px;
    font-size: 0.78rem;
  }

  .steps-vertical::before {
    left: 20px;
  }

  .how-it-works-photo-card img {
    height: 240px;
  }

  .about-photo-wrapper img {
    height: 260px;
  }

  .btn-lg {
    padding: 14px 28px;
    font-size: 0.95rem;
  }

  .about-features {
    gap: 16px;
  }

  .about-feature i {
    width: 38px;
    height: 38px;
    min-width: 38px;
    font-size: 0.9rem;
  }

  .solution-card {
    padding: 28px 22px;
  }

  .simulator-box {
    padding: 24px 16px;
  }
}