/* Credio Securitizadora — Design System Corporativo Private */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
:root{
  /* Cores — Private Banking (mais impacto) */
  --dk:#050608;
  --dk2:#0a0c0f;
  --dk3:#101318;
  --dkc:#0d0f14;
  --dkb:rgba(255,255,255,.06);
  --dkb-h:rgba(255,255,255,.1);
  --w:#FFF;
  --txt:#f0f2f5;
  --txt-muted:rgba(255,255,255,.6);
  --txt-dim:rgba(255,255,255,.4);
  /* Accent — Teal vibrante */
  --teal:#1e8b84;
  --teal-d:#167a74;
  --teal-l:#2ab5ac;
  --teal-glow:rgba(30,139,132,.25);
  --teal-dim:rgba(30,139,132,.12);
  /* Gold — Confiança / Premium */
  --gold:#d4af37;
  --gold-dim:rgba(212,175,55,.15);
  --g400:#9ca3af;
  --g600:#6b7280;
  --g50:var(--dk2);
  --g100:var(--dk3);
  --g200:rgba(255,255,255,.12);
  /* Layout */
  --mw:1240px;
  --space:8px;
  --spy:clamp(72px,10vw,112px);
  --f:'Plus Jakarta Sans',-apple-system,sans-serif;
}
html{scroll-behavior:smooth}
body{font-family:var(--f);color:var(--txt);background:var(--dk);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden;letter-spacing:.01em}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
button{font-family:inherit;cursor:pointer;border:none}
.ctr{width:100%;max-width:var(--mw);margin:0 auto;padding:0 clamp(24px,5vw,48px)}

/* NAV — Minimalista */
.nav{position:fixed;top:0;left:0;right:0;z-index:1000;padding:18px 0;transition:all .35s}
.nav.scrolled{background:rgba(8,9,10,.96);backdrop-filter:blur(24px);border-bottom:1px solid var(--dkb);padding:14px 0}
.ni{display:flex;align-items:center;justify-content:space-between}
.nlogo{display:flex;align-items:center;gap:12px}
.nlogo-img{height:64px;width:auto;min-width:140px;object-fit:contain;object-position:left center}
.nl{display:flex;align-items:center;gap:36px;list-style:none}
.nl a{font-size:.95rem;font-weight:500;color:var(--txt-muted);letter-spacing:.02em;transition:color .25s}
.nl a:hover{color:var(--w)}
.ncta{padding:14px 32px!important;background:var(--teal)!important;color:var(--w)!important;border-radius:8px!important;font-weight:700!important;font-size:.92rem!important;letter-spacing:.03em!important;transition:all .25s!important}
.ncta:hover{background:var(--teal-d)!important;color:var(--w)!important;transform:translateY(-1px);box-shadow:0 6px 24px var(--teal-glow)}
.ham{display:none;flex-direction:column;gap:5px;background:none;padding:8px}
.ham span{display:block;width:22px;height:2px;background:var(--w);border-radius:2px;transition:all .4s}
.mob{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:var(--dk);z-index:999;padding:100px 32px 40px;flex-direction:column;gap:20px}
.mob.open{display:flex}
.mob a{font-size:1.15rem;font-weight:600;color:var(--w);padding:14px 0;border-bottom:1px solid var(--dkb)}
.mob-x{position:absolute;top:20px;right:24px;background:none;font-size:2rem;color:var(--w);padding:8px}
@media(max-width:768px){.nl{display:none}.ham{display:flex}}

/* BUTTONS — Alinhados, persuasivos */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:18px 32px;border-radius:8px;font-size:1rem;font-weight:700;letter-spacing:.03em;transition:all .25s;white-space:nowrap}
.btn svg{width:18px;height:18px;transition:transform .25s}
.btn:hover svg{transform:translateX(2px)}
.bt{background:var(--teal);color:var(--w)}
.bt:hover{background:var(--teal-d);transform:translateY(-2px);box-shadow:0 8px 28px var(--teal-glow)}
.bow{background:transparent;color:var(--w);border:1px solid var(--dkb-h)}
.bow:hover{border-color:var(--teal);color:var(--teal);background:var(--teal-dim)}
.bod{background:transparent;color:var(--txt);border:1px solid var(--dkb-h)}
.bod:hover{border-color:var(--teal);color:var(--teal-l)}

/* SECTION DEFAULTS */
section{padding:var(--spy) 0}
.sh{max-width:600px;margin-bottom:clamp(40px,6vw,56px)}
.sl{font-size:.7rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.st{font-size:clamp(1.85rem,3.2vw,2.6rem);font-weight:800;line-height:1.12;letter-spacing:-.025em;margin-bottom:14px;color:var(--w)}
.ss{font-size:1rem;color:var(--txt-muted);line-height:1.75}

/* HERO */
.hero{background:linear-gradient(165deg,#06080a 0%,#0c1014 35%,#080b0e 100%);min-height:100vh;display:flex;align-items:center;padding:140px 0 100px;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 90% 60% at 70% 20%,rgba(30,139,132,.08) 0%,transparent 45%);pointer-events:none}
.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:140px;background:linear-gradient(to top,var(--dk),transparent);pointer-events:none}
.hg{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;position:relative;z-index:1}
.hero h1{font-size:clamp(2.8rem,5.5vw,4rem);font-weight:800;line-height:1.05;color:var(--w);margin-bottom:28px;letter-spacing:-.035em}
.hero h1 span{color:var(--teal-l)}
.hsub{font-size:clamp(1.1rem,1.5vw,1.25rem);color:var(--txt-muted);line-height:1.7;margin-bottom:44px;max-width:540px}
.hctas{display:flex;flex-direction:column;align-items:flex-start;gap:16px}
.hctas-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hv{display:flex;justify-content:center;align-items:center;position:relative}
.hdual{display:flex;flex-direction:column;gap:16px;max-width:340px}
.hcard{display:flex;flex-direction:column;gap:8px;padding:28px 32px;border-radius:14px;border:1px solid var(--dkb);background:var(--dkc);text-decoration:none;transition:all .3s;position:relative;z-index:2}
.hcard:hover{transform:translateY(-4px);border-color:var(--teal);box-shadow:0 16px 48px rgba(0,0,0,.3),0 0 0 1px rgba(30,139,132,.2)}
.hcard-lbl{font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--txt-dim)}
.hcard-t{font-size:1.1rem;font-weight:700;color:var(--w)}
.hcard-v{font-size:1.5rem;font-weight:800;color:var(--teal-l);letter-spacing:-.02em}
.hcard-s{font-size:.85rem;color:var(--txt-muted)}
@media(max-width:900px){.hg{grid-template-columns:1fr;gap:48px}.hv{max-width:100%;margin:0 auto}.hdual{flex-direction:row;max-width:100%;justify-content:center;flex-wrap:wrap}}
@media(max-width:600px){.hctas{flex-direction:column;width:100%;align-items:stretch}.hctas-row{flex-direction:column;width:100%;gap:12px}.hctas .btn{width:100%;justify-content:center}.hdual{flex-direction:column;align-items:stretch}}

/* CATEGORIAS — Premium corporativo */
.cat{background:var(--dk2);border-bottom:1px solid var(--dkb)}
.cat-h{font-size:.7rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--txt-dim);margin-bottom:32px;text-align:center}
.cat-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;padding:clamp(56px,8vw,96px) 0;max-width:960px;margin:0 auto}
.cat-card{display:flex;flex-direction:column;background:var(--dkc);border:1px solid var(--dkb);border-radius:14px;padding:clamp(32px,4vw,44px);transition:all .3s}
.cat-card:hover{border-color:rgba(30,139,132,.35);box-shadow:0 8px 36px rgba(0,0,0,.3)}
.cat-card h3{font-size:1.08rem;font-weight:700;color:var(--w);margin-bottom:12px;display:flex;align-items:center;gap:12px}
.cat-card h3::before{content:'';width:3px;height:22px;background:var(--teal);border-radius:2px}
.cat-card p{font-size:.9rem;color:var(--txt-muted);line-height:1.7;margin-bottom:28px}
.cat-stats{display:flex;gap:28px;flex-wrap:wrap;margin-bottom:32px}
.cat-stat-v{font-size:1rem;font-weight:800;color:var(--teal-l)}
.cat-stat-l{font-size:.72rem;color:var(--txt-dim);margin-top:4px}
.cat-cta{display:flex;align-items:center;justify-content:center;gap:10px;width:100%;min-height:52px;padding:16px 28px;background:var(--teal);color:var(--w);border-radius:8px;font-size:.9rem;font-weight:700;letter-spacing:.02em;transition:all .25s;margin-top:auto}
.cat-cta:hover{background:var(--teal-d);transform:translateY(-1px);box-shadow:0 6px 24px var(--teal-glow)}
.cat-cta svg{width:16px;height:16px;flex-shrink:0}
@media(max-width:700px){.cat-grid{grid-template-columns:1fr}}

/* CARDS — Consistência */
.cfi,.pdc,.gvc,.trc,.rdc,.fc{border-radius:12px;border:1px solid var(--dkb)}
.cfi:hover,.pdc:hover,.gvc:hover,.trc:hover{border-color:var(--teal)}

/* FOOTER */
.ft{background:var(--dk2);color:var(--txt-muted);padding:64px 0 32px;border-top:1px solid var(--dkb)}
.ftg{display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;margin-bottom:48px}
.ftb p{margin-top:16px;font-size:.86rem;line-height:1.75;max-width:320px;color:var(--txt-muted)}
.ftc h4{font-size:.68rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--txt-dim);margin-bottom:18px}
.ftc ul{list-style:none;display:flex;flex-direction:column;gap:12px}
.ftc a{font-size:.86rem;transition:color .25s}
.ftc a:hover{color:var(--teal-l)}
.ftbt{padding-top:28px;border-top:1px solid var(--dkb)}
.ftd{font-size:.75rem;line-height:1.8;color:var(--txt-dim);margin-bottom:20px}
.ftl{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;font-size:.8rem}
.ftll{display:flex;gap:24px}
.ftll a:hover{color:var(--teal-l)}
@media(max-width:768px){.ftg{grid-template-columns:1fr;gap:32px}.ftl{flex-direction:column;align-items:flex-start}}

/* WHATSAPP */
.wpp{position:fixed;bottom:28px;right:28px;z-index:900;width:54px;height:54px;border-radius:12px;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px rgba(37,211,102,.3);transition:all .25s}
.wpp:hover{transform:scale(1.06);box-shadow:0 6px 28px rgba(37,211,102,.4)}
.wpp svg{width:26px;height:26px;fill:white}

/* ANIMATIONS */
.fu{opacity:0;transform:translateY(24px);transition:opacity .5s ease,transform .5s ease}
.fu.v{opacity:1;transform:translateY(0)}
.s1{transition-delay:.06s}.s2{transition-delay:.12s}.s3{transition-delay:.18s}.s4{transition-delay:.24s}.s5{transition-delay:.3s}