/* =================================================================
   Credio Financeira — Design System (HUB www.crediopay.com.br)
   v2.0 — abr/2026 — alinhado às landings oficiais Credio
   =================================================================
   Tokens     ──> :root                                                 (ln 30)
   Reset      ──> *, html, body                                          (ln 80)
   Header     ──> .header / .nav / .nav-dropdown                         (ln 110)
   Hero       ──> .hero / .hero-card / .btn                              (ln 200)
   Sections   ──> .section / .section-head / utilitários                 (ln 290)
   Cards      ──> .card / .product-card                                  (ln 330)
   Compare    ──> .compare-grid                                          (ln 410)
   Stats      ──> .proof-strip                                           (ln 440)
   Testi.     ──> .testi-card                                            (ln 470)
   FAQ        ──> .faq-wrap                                              (ln 500)
   Footer     ──> .footer                                                (ln 540)
   Float      ──> .wa-float                                              (ln 590)
   Doc/Legal  ──> .legal                                                 (ln 610)
   Anim       ──> .reveal                                                (ln 650)
   Responsive ──> @media                                                 (ln 660)
   ================================================================= */

/* ===== TOKENS ===== */
:root{
    /* Paleta Credio (teal) */
    --c1:#0d9488;--c2:#0f766e;--c3:#2dd4bf;--c4:#5eead4;--c5:#99f6e4;--c6:#ccfbf1;--c7:#f0fdfa;
    /* Profundo / institucional */
    --dark:#0c1222;--dark2:#1a2332;--dark3:#1e293b;
    /* Neutros */
    --gray1:#f8fafc;--gray2:#f1f5f9;--gray3:#e2e8f0;--gray4:#cbd5e1;
    --gray5:#94a3b8;--gray6:#64748b;--gray7:#475569;--gray8:#334155;
    --white:#ffffff;--black:#0f172a;
    /* Funcionais */
    --red:#ef4444;--green:#10b981;--orange:#f59e0b;--blue:#3b82f6;
    /* Tipografia */
    --font:'Plus Jakarta Sans','Inter',-apple-system,BlinkMacSystemFont,sans-serif;
    /* Raios */
    --r:12px;--r2:16px;--r3:20px;--r4:24px;
    /* Container */
    --max:1200px;
    /* Sombras */
    --sh1:0 4px 14px rgba(15,23,42,.06);
    --sh2:0 10px 30px rgba(15,23,42,.10);
    --sh3:0 25px 60px rgba(0,0,0,.30);
    --sh-teal:0 6px 18px rgba(13,148,136,.35);
}

/* ===== RESET / BASE ===== */
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font);background:var(--white);color:var(--gray7);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--c1);text-decoration:none;transition:color .2s}
a:hover{color:var(--c2)}
button{font-family:inherit;cursor:pointer}
::selection{background:var(--c5);color:var(--c2)}

/* ===== HEADER (transparente → branco no scroll) ===== */
.header{position:fixed;top:0;left:0;right:0;z-index:200;background:transparent;border-bottom:1px solid transparent;transition:background .25s ease,box-shadow .25s ease,border-color .25s ease}
.header.scrolled{background:#ffffff;border-bottom:1px solid rgba(15,23,42,.08);box-shadow:0 4px 24px rgba(15,23,42,.08)}
.header-inner{max-width:var(--max);margin:0 auto;padding:0 32px;display:flex;align-items:center;justify-content:space-between;height:74px;transition:height .25s ease}
.header.scrolled .header-inner{height:62px}

/* Logo (SVG símbolo + wordmark) — sempre nítido, cor via currentColor */
.logo{position:relative;display:inline-flex;align-items:center;flex-shrink:0;text-decoration:none;line-height:0;height:38px;transition:height .25s ease}
.header.scrolled .logo{height:34px}
.logo img{display:block;height:100%;width:auto;object-fit:contain;transition:opacity .25s ease}
.logo .logo-light{position:relative}
.logo .logo-dark{position:absolute;top:0;left:0;opacity:0}
.header.scrolled .logo .logo-light{opacity:0}
.header.scrolled .logo .logo-dark{opacity:1}
.logo:hover{opacity:.92}

.nav{display:flex;align-items:center;gap:6px}
.nav-item{position:relative}
.nav-link{font-size:.88rem;color:rgba(255,255,255,.92);font-weight:600;padding:10px 16px;border-radius:8px;transition:color .2s,background .2s;text-shadow:0 1px 2px rgba(0,0,0,.15);display:inline-flex;align-items:center;gap:6px;cursor:pointer;background:transparent;border:none;font-family:inherit}
.nav-link:hover{color:var(--white);background:rgba(255,255,255,.08)}
.header.scrolled .nav-link{color:var(--gray8);text-shadow:none;font-weight:500}
.header.scrolled .nav-link:hover{color:var(--c1);background:var(--gray1)}
.nav-cta{background:var(--c1);color:var(--white)!important;padding:10px 22px;border-radius:10px;font-weight:700;font-size:.84rem;border:none;text-shadow:none!important;box-shadow:var(--sh-teal);margin-left:8px;transition:background .2s,transform .2s,box-shadow .2s}
.nav-cta:hover{background:var(--c2)!important;transform:translateY(-1px);box-shadow:0 8px 22px rgba(13,148,136,.45);color:var(--white)}
.header.scrolled .nav-cta{box-shadow:0 4px 12px rgba(13,148,136,.25)}

/* Dropdown produtos */
.nav-dropdown{position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(-8px);background:var(--white);border-radius:14px;box-shadow:0 18px 50px rgba(15,23,42,.18);padding:14px;min-width:560px;display:grid;grid-template-columns:repeat(2,1fr);gap:6px;opacity:0;pointer-events:none;visibility:hidden;transition:opacity .2s ease,transform .22s ease,visibility 0s linear .22s;border:1px solid var(--gray2)}
.nav-item:hover .nav-dropdown,.nav-item:focus-within .nav-dropdown{opacity:1;pointer-events:auto;visibility:visible;transform:translateX(-50%) translateY(0);transition-delay:0s}
.nav-dd-item{display:flex;align-items:flex-start;gap:12px;padding:12px 14px;border-radius:10px;transition:background .15s;color:var(--gray8)}
.nav-dd-item:hover{background:var(--c7);color:var(--gray8)}
.nav-dd-icon{width:36px;height:36px;border-radius:9px;background:var(--c7);color:var(--c1);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.nav-dd-text strong{display:block;font-size:.86rem;color:var(--black);font-weight:700;margin-bottom:2px;letter-spacing:-.01em}
.nav-dd-text span{font-size:.74rem;color:var(--gray6);line-height:1.4;font-weight:500}

.hamburger{display:none;background:none;border:none;cursor:pointer;padding:8px;z-index:201;border-radius:8px}
.hamburger span{display:block;width:22px;height:2px;background:rgba(255,255,255,.95);margin:5px 0;border-radius:2px;transition:.3s;box-shadow:0 1px 2px rgba(0,0,0,.2)}
.header.scrolled .hamburger span{background:var(--gray8);box-shadow:none}
.nav.open .hamburger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav.open .hamburger span:nth-child(2){opacity:0}
.nav.open .hamburger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ===== HERO ===== */
.hero{background:linear-gradient(160deg,var(--dark) 0%,var(--dark2) 40%,#0f2d2a 100%);padding:140px 32px 96px;position:relative;overflow:hidden;color:var(--white)}
.hero::before{content:'';position:absolute;top:-200px;right:-200px;width:600px;height:600px;background:radial-gradient(circle,rgba(45,212,191,.12),transparent 70%);pointer-events:none}
.hero::after{content:'';position:absolute;bottom:-100px;left:-100px;width:400px;height:400px;background:radial-gradient(circle,rgba(13,148,136,.08),transparent 70%);pointer-events:none}
.hero-inner{max-width:var(--max);margin:0 auto;position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
.hero-grid.single{grid-template-columns:1fr;text-align:center;max-width:820px;margin:0 auto}
.hero-grid.single .hero-sub{margin-left:auto;margin-right:auto}
.hero-grid.single .hero-cta-row,.hero-grid.single .hero-trust{justify-content:center}

.hero-label{display:inline-flex;align-items:center;gap:6px;background:rgba(45,212,191,.10);border:1px solid rgba(45,212,191,.22);padding:6px 16px;border-radius:100px;font-size:.7rem;font-weight:700;color:var(--c3);text-transform:uppercase;letter-spacing:1.5px;margin-bottom:24px}
.hero h1{font-size:3rem;font-weight:800;color:var(--white);line-height:1.08;margin-bottom:22px;letter-spacing:-.03em}
.hero h1 em{font-style:normal;color:var(--c3)}
.hero-sub{font-size:1.05rem;color:var(--gray5);line-height:1.75;margin-bottom:32px;max-width:520px}
.hero-sub strong{color:var(--white);font-weight:700}
.hero-cta-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero-trust{display:flex;gap:24px;align-items:center;margin-top:28px;flex-wrap:wrap}
.hero-trust span{display:inline-flex;align-items:center;gap:6px;font-size:.78rem;font-weight:600;color:var(--gray5)}
.hero-trust .ok{color:var(--c3)}

/* Botões */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 26px;border-radius:12px;font-weight:700;font-size:.92rem;border:none;cursor:pointer;transition:all .25s;letter-spacing:-.01em;text-decoration:none;font-family:var(--font);line-height:1}
.btn-primary{background:linear-gradient(135deg,var(--c1),var(--c2));color:var(--white);box-shadow:var(--sh-teal)}
.btn-primary:hover{transform:translateY(-1px);box-shadow:0 10px 26px rgba(13,148,136,.45);color:var(--white)}
.btn-ghost{background:rgba(255,255,255,.06);color:var(--white);border:1px solid rgba(255,255,255,.18)}
.btn-ghost:hover{background:rgba(255,255,255,.12);color:var(--white)}
.btn-outline{background:var(--white);color:var(--c1);border:1.5px solid var(--c4)}
.btn-outline:hover{background:var(--c7);color:var(--c1)}
.btn-dark{background:var(--black);color:var(--white)}
.btn-dark:hover{background:var(--dark2);color:var(--white)}

/* Hero card (lateral direita do hero) */
.hero-card{background:var(--white);color:var(--gray7);border-radius:var(--r4);padding:36px 32px;box-shadow:var(--sh3),0 0 0 1px rgba(255,255,255,.05);position:relative}
.hero-card::before{content:'';position:absolute;top:-1px;left:40px;right:40px;height:3px;background:linear-gradient(90deg,var(--c1),var(--c3),var(--c4));border-radius:0 0 4px 4px}
.hero-card .hc-tag{display:inline-flex;align-items:center;gap:6px;background:var(--c7);border:1px solid var(--c5);color:var(--c1);font-size:.62rem;text-transform:uppercase;letter-spacing:1.2px;font-weight:700;padding:5px 10px;border-radius:6px;margin-bottom:14px}
.hero-card h3{font-size:1.25rem;font-weight:800;color:var(--black);margin-bottom:6px;letter-spacing:-.015em}
.hero-card .hc-sub{font-size:.86rem;color:var(--gray6);margin-bottom:20px;line-height:1.55}
.hc-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;padding:18px 0;margin:18px 0;border-top:1px solid var(--gray2);border-bottom:1px solid var(--gray2)}
.hc-stat .v{font-size:1.15rem;font-weight:800;color:var(--c1);line-height:1;letter-spacing:-.02em}
.hc-stat .v small{font-size:.7rem;color:var(--gray6);font-weight:600;margin-left:2px}
.hc-stat .l{font-size:.62rem;color:var(--gray6);text-transform:uppercase;letter-spacing:.6px;font-weight:600;margin-top:5px}
.hc-foot{text-align:center;margin-top:12px;font-size:.68rem;color:var(--gray5);display:flex;align-items:center;justify-content:center;gap:5px}

/* ===== SECTIONS ===== */
.section{padding:96px 32px;position:relative}
.section.tight{padding:64px 32px}
.section-inner{max-width:var(--max);margin:0 auto}
.section-head{text-align:center;margin:0 auto 56px;max-width:760px}
.section-head.left{text-align:left;margin-left:0;margin-right:0}
.section-label{font-size:.68rem;text-transform:uppercase;letter-spacing:2.4px;font-weight:700;margin-bottom:12px;color:var(--c1)}
.section-title{font-size:2.1rem;font-weight:800;color:var(--black);line-height:1.18;letter-spacing:-.025em}
.section-desc{font-size:1rem;color:var(--gray6);max-width:680px;margin:16px auto 0;line-height:1.65}
.section-head.left .section-desc{margin-left:0;margin-right:0}
.section-bg-light{background:var(--gray1)}
.section-bg-dark{background:var(--dark);color:var(--white)}
.section-bg-dark .section-title{color:var(--white)}
.section-bg-dark .section-desc{color:var(--gray5)}
.section-bg-dark .section-label{color:var(--c3)}

/* ===== CARDS GENÉRICOS ===== */
.card{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r2);padding:30px 28px;transition:border-color .25s,box-shadow .25s,transform .25s}
.card:hover{border-color:var(--c5);box-shadow:0 12px 32px rgba(13,148,136,.08);transform:translateY(-3px)}
.card-icon{width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,var(--c7),var(--c6));color:var(--c1);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card h3{font-size:1.05rem;font-weight:700;color:var(--black);margin-bottom:8px;letter-spacing:-.01em}
.card p{font-size:.88rem;color:var(--gray6);line-height:1.65}

.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}

/* ===== PRODUCT CARDS (home do hub) ===== */
.product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:32px}
.product-card{position:relative;background:var(--white);border:1px solid var(--gray3);border-radius:var(--r3);padding:36px 30px;display:flex;flex-direction:column;transition:border-color .25s,box-shadow .25s,transform .25s;overflow:hidden;color:var(--gray7)}
.product-card::after{content:'';position:absolute;bottom:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--c1),var(--c3));transform:scaleX(0);transition:transform .35s;transform-origin:left}
.product-card:hover{border-color:var(--c5);box-shadow:0 16px 40px rgba(13,148,136,.10);transform:translateY(-4px);color:var(--gray7)}
.product-card:hover::after{transform:scaleX(1)}
.product-card.featured{background:linear-gradient(160deg,var(--dark) 0%,var(--dark2) 50%,#0f2d2a 100%);color:rgba(255,255,255,.7);border:none}
.product-card.featured h3{color:var(--white)}
.product-card.featured p{color:rgba(255,255,255,.7)}
.product-card.featured .pc-badge{background:rgba(45,212,191,.15);border-color:rgba(45,212,191,.3);color:var(--c3)}
.product-card.featured .pc-icon{background:rgba(45,212,191,.12);color:var(--c3)}
.product-card.featured .pc-link{color:var(--c3)}
.product-card.featured .pc-meta span{color:rgba(255,255,255,.85);background:rgba(255,255,255,.08)}
.product-card.featured::after{display:none}
.pc-badge{display:inline-flex;align-self:flex-start;align-items:center;gap:5px;background:var(--c7);border:1px solid var(--c5);color:var(--c1);font-size:.62rem;text-transform:uppercase;letter-spacing:1.2px;font-weight:700;padding:5px 10px;border-radius:6px;margin-bottom:14px}
.pc-icon{width:54px;height:54px;border-radius:14px;background:var(--c7);color:var(--c1);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.product-card h3{font-size:1.2rem;font-weight:800;color:var(--black);margin-bottom:8px;letter-spacing:-.02em}
.product-card p{font-size:.88rem;color:var(--gray6);line-height:1.6;margin-bottom:18px;flex:1}
.pc-meta{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}
.pc-meta span{font-size:.7rem;color:var(--gray6);background:var(--gray1);padding:4px 10px;border-radius:6px;font-weight:600;letter-spacing:.2px}
.pc-link{color:var(--c1);font-weight:700;font-size:.88rem;display:inline-flex;align-items:center;gap:6px;margin-top:auto}
.pc-link svg{transition:transform .25s}
.product-card:hover .pc-link svg{transform:translateX(4px)}

/* Card "ajuda" no fim do grid */
.product-card.helper{background:linear-gradient(135deg,var(--c7),var(--c6));border-color:var(--c5);justify-content:center;text-align:center;align-items:center}
.product-card.helper::after{display:none}
.product-card.helper .helper-icon{margin:0 auto 14px;width:54px;height:54px;border-radius:14px;background:var(--c1);color:var(--white);display:flex;align-items:center;justify-content:center}
.product-card.helper p{flex:none;margin-bottom:18px}

/* ===== COMPARATIVO ===== */
.compare-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:8px}
.compare-card{border-radius:var(--r3);padding:36px 32px;border:1px solid;position:relative}
.compare-card.bad{background:#fef2f2;border-color:#fecaca}
.compare-card.bad .ct{font-size:.7rem;text-transform:uppercase;letter-spacing:1.2px;font-weight:700;color:#991b1b;margin-bottom:8px}
.compare-card.bad h3{font-size:1.15rem;font-weight:800;color:#7f1d1d;margin-bottom:12px}
.compare-card.bad p{font-size:.9rem;color:#7f1d1d;line-height:1.65;margin-bottom:18px}
.compare-card.bad .cv{font-size:1.6rem;font-weight:800;color:#dc2626}
.compare-card.bad .cv span{font-size:.85rem;font-weight:600}
.compare-card.good{background:linear-gradient(135deg,var(--c7),var(--c6));border-color:var(--c4)}
.compare-card.good .ct{font-size:.7rem;text-transform:uppercase;letter-spacing:1.2px;font-weight:700;color:var(--c1);margin-bottom:8px}
.compare-card.good h3{font-size:1.15rem;font-weight:800;color:var(--black);margin-bottom:12px}
.compare-card.good p{font-size:.9rem;color:var(--gray7);line-height:1.65;margin-bottom:18px}
.compare-card.good .cv{font-size:1.6rem;font-weight:800;color:var(--c1)}
.compare-card.good .cv span{font-size:.85rem;font-weight:600}

/* CTA Banner */
.banner-cta{background:linear-gradient(135deg,var(--c7) 0%,var(--c6) 50%,rgba(45,212,191,.18) 100%);border:1px solid var(--c5);border-radius:var(--r3);padding:44px 40px;display:flex;align-items:center;justify-content:space-between;gap:36px;margin-top:64px}
.banner-cta h3{font-size:1.45rem;font-weight:800;color:var(--black);line-height:1.2;margin-bottom:8px;letter-spacing:-.02em}
.banner-cta p{font-size:.92rem;color:var(--gray7);max-width:520px;margin:0}

/* ===== PROOF STRIP ===== */
.proof-strip{background:var(--black);padding:44px 32px;color:var(--white)}
.proof-inner{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:32px;align-items:center}
.proof-num{text-align:center}
.proof-num .pn-val{font-size:2rem;font-weight:800;color:var(--c3);line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.proof-num .pn-val small{font-size:1rem;color:var(--c4);font-weight:700;margin-left:2px}
.proof-num .pn-lbl{font-size:.7rem;color:var(--gray5);margin-top:6px;text-transform:uppercase;letter-spacing:.6px;font-weight:600}

/* ===== LOCATION BLOCK — "onde a gente está" ===== */
.location-block{background:var(--white);padding:0;position:relative;overflow:hidden}
.location-inner{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1.15fr .85fr;gap:0;align-items:stretch}
.location-photo{position:relative;min-height:560px;background:#0f172a;overflow:hidden}
.location-photo picture,.location-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 45%;transition:transform 1.2s cubic-bezier(.2,.7,.3,1)}
.location-photo::after{content:'';position:absolute;inset:0;background:linear-gradient(120deg,rgba(13,148,136,.18) 0%,rgba(15,23,42,.10) 55%,transparent 100%);pointer-events:none;z-index:1}
/* === Location gallery (6 slides, 1 aérea + 5 escritório) === */
.location-gallery .lg-stage{position:absolute;inset:0;z-index:0}
.location-gallery .lg-slide{position:absolute;inset:0;opacity:0;transition:opacity .55s ease}
.location-gallery .lg-slide.is-active{opacity:1}
.location-gallery .lg-slide img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 45%}
.location-gallery .lp-stamp{z-index:3}
.location-gallery .lg-thumbs{position:absolute;left:18px;right:18px;bottom:18px;z-index:3;display:flex;gap:8px;justify-content:center;flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none;padding:6px 2px}
.location-gallery .lg-thumbs::-webkit-scrollbar{display:none}
.location-gallery .lg-thumb{flex:0 0 auto;width:64px;height:48px;border-radius:8px;overflow:hidden;border:2px solid rgba(255,255,255,.4);background:#0f172a;padding:0;cursor:pointer;transition:transform .2s, border-color .2s, box-shadow .2s, opacity .2s;opacity:.72;position:relative}
.location-gallery .lg-thumb img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .3s}
.location-gallery .lg-thumb:hover{opacity:1;transform:translateY(-2px)}
.location-gallery .lg-thumb:hover img{transform:scale(1.08)}
.location-gallery .lg-thumb.is-active{border-color:var(--c3);opacity:1;box-shadow:0 4px 14px rgba(45,212,191,.55),0 0 0 1px rgba(45,212,191,.25)}
.location-gallery .lg-thumb:focus-visible{outline:none;border-color:#fff;box-shadow:0 0 0 3px rgba(45,212,191,.55)}
@media(max-width:600px){
  .location-gallery .lg-thumb{width:54px;height:40px}
  .location-gallery .lg-thumbs{left:8px;right:8px;bottom:10px;gap:6px}
}
.location-photo:hover img{transform:scale(1.04)}
.location-photo .lp-stamp{position:absolute;left:24px;bottom:24px;z-index:2;display:inline-flex;align-items:center;gap:8px;padding:9px 14px;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-radius:100px;font-size:.7rem;font-weight:700;color:var(--c1);letter-spacing:.4px}
.location-photo .lp-stamp svg{width:14px;height:14px}
.location-text{background:linear-gradient(160deg,#0f2d2a 0%,#0f172a 100%);color:#fff;padding:64px 56px;display:flex;flex-direction:column;justify-content:center;position:relative}
.location-text::before{content:'';position:absolute;top:0;left:0;width:6px;height:100%;background:linear-gradient(180deg,var(--c3),var(--c1))}
.location-label{display:inline-flex;align-items:center;gap:6px;background:rgba(45,212,191,.14);border:1px solid rgba(45,212,191,.28);padding:6px 14px;border-radius:100px;font-size:.66rem;font-weight:700;color:var(--c3);text-transform:uppercase;letter-spacing:1.6px;margin-bottom:20px;width:fit-content}
.location-text h2{font-size:2.1rem;font-weight:800;line-height:1.12;letter-spacing:-.025em;margin:0 0 18px;color:#fff}
.location-text h2 em{font-style:normal;color:var(--c3)}
.location-text .lt-sub{font-size:1rem;line-height:1.6;color:rgba(255,255,255,.78);margin-bottom:28px;max-width:460px}
.location-text .lt-sub strong{color:#fff;font-weight:600}
.location-meta{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:30px}
.location-meta-item{padding:14px 0;border-top:1px solid rgba(255,255,255,.10)}
.location-meta-item .lmi-lbl{font-size:.62rem;text-transform:uppercase;letter-spacing:1.4px;color:var(--c4);font-weight:700;margin-bottom:6px}
.location-meta-item .lmi-val{font-size:.92rem;color:#fff;font-weight:600;line-height:1.4}
.location-cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:6px}
.btn-loc-primary{display:inline-flex;align-items:center;gap:8px;padding:11px 18px;background:var(--c1);color:#fff;border-radius:9px;font-size:.84rem;font-weight:700;text-decoration:none;transition:background .2s,transform .2s}
.btn-loc-primary:hover{background:var(--c2);transform:translateY(-1px);color:#fff}
.btn-loc-ghost{display:inline-flex;align-items:center;gap:8px;padding:11px 18px;background:rgba(255,255,255,.06);color:#fff;border:1px solid rgba(255,255,255,.18);border-radius:9px;font-size:.84rem;font-weight:600;text-decoration:none;transition:background .2s}
.btn-loc-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
@media(max-width:900px){.location-inner{grid-template-columns:1fr}.location-photo{min-height:340px}.location-text{padding:44px 28px}.location-text h2{font-size:1.7rem}.location-meta{grid-template-columns:1fr}}

/* ===== STEP CARD (numbered process) ===== */
.step-card{position:relative;padding-top:48px}
.step-card .step-num{position:absolute;top:-2px;left:24px;display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--c1),var(--c2));color:#fff;font-size:.95rem;font-weight:800;letter-spacing:-.02em;box-shadow:0 6px 16px rgba(13,148,136,.32);font-variant-numeric:tabular-nums}

/* ===== MARGIN CONSULT FORM (Consignado) ===== */
.margin-form-section{background:linear-gradient(180deg,var(--gray1) 0%,#fff 100%);padding:88px 32px;position:relative}
.margin-form-section::before{content:'';position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,var(--c4),transparent)}
.margin-form-inner{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1fr 1.2fr;gap:48px;align-items:start}
.mfs-side{padding-top:8px}
.mfs-label{display:inline-flex;align-items:center;gap:6px;background:var(--c7);border:1px solid var(--c5);padding:6px 14px;border-radius:100px;font-size:.66rem;font-weight:700;color:var(--c1);text-transform:uppercase;letter-spacing:1.6px;margin-bottom:18px}
.mfs-side h2{font-size:2rem;font-weight:800;line-height:1.14;letter-spacing:-.025em;color:var(--black);margin:0 0 16px}
.mfs-side h2 em{font-style:normal;color:var(--c1)}
.mfs-sub{font-size:1rem;line-height:1.6;color:var(--gray6);margin-bottom:28px;max-width:420px}
.mfs-list{list-style:none;padding:0;margin:0 0 28px}
.mfs-list li{display:flex;align-items:flex-start;gap:10px;padding:9px 0;font-size:.92rem;color:var(--gray7);line-height:1.5;font-weight:500}
.mfs-list li svg{flex-shrink:0;margin-top:2px;color:var(--c1)}
.mfs-trust-row{display:flex;flex-wrap:wrap;gap:8px;padding-top:20px;border-top:1px dashed var(--gray3)}
.mfs-trust{display:inline-flex;align-items:center;gap:5px;padding:6px 11px;background:#fff;border:1px solid var(--gray3);border-radius:100px;font-size:.7rem;font-weight:600;color:var(--gray6)}
.mfs-trust svg{color:var(--c1)}

.mfs-form{background:#fff;border:1px solid var(--gray2);border-radius:18px;padding:32px 30px;box-shadow:0 18px 50px -20px rgba(15,23,42,.18),0 6px 16px -8px rgba(13,148,136,.10);position:relative}
.mfs-form::before{content:'';position:absolute;top:0;left:30px;right:30px;height:3px;background:linear-gradient(90deg,var(--c1),var(--c3));border-radius:0 0 3px 3px}
.mfs-form-title{font-size:1.15rem;font-weight:800;color:var(--black);margin:0 0 4px;letter-spacing:-.01em}
.mfs-form-sub{font-size:.78rem;color:var(--gray6);margin:0 0 22px}
.mfs-field{margin-bottom:14px;position:relative}
.mfs-field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:0}
.mfs-field-row .mfs-field{margin-bottom:14px}
.mfs-field label{display:block;font-size:.78rem;font-weight:600;color:var(--gray7);margin-bottom:6px;letter-spacing:-.005em}
.mfs-opt{font-weight:500;color:var(--gray5);font-size:.7rem}
.mfs-field input,.mfs-field select{width:100%;padding:11px 14px;border:1.5px solid var(--gray3);border-radius:10px;background:#fafbfc;font-family:inherit;font-size:.9rem;color:var(--gray7);transition:border-color .15s,background .15s,box-shadow .15s;outline:none;-webkit-appearance:none}
.mfs-field input:hover,.mfs-field select:hover{border-color:var(--gray4)}
.mfs-field input:focus,.mfs-field select:focus{border-color:var(--c1);background:#fff;box-shadow:0 0 0 3px rgba(13,148,136,.10)}
.mfs-field input.err,.mfs-field select.err{border-color:#ef4444;background:#fef2f2}
.mfs-msg{display:none;margin-top:5px;font-size:.72rem;font-weight:500;line-height:1.4;color:#dc2626}
.mfs-msg.show{display:block}

.mfs-auth-block{margin:8px 0 18px;padding:18px 18px 14px;background:linear-gradient(180deg,var(--c7) 0%,#fff 100%);border:1px solid var(--c5);border-radius:12px}
.mfs-check{display:flex;align-items:flex-start;gap:10px;padding:8px 0;cursor:pointer;font-size:.78rem;color:var(--gray7);line-height:1.55}
.mfs-check input{position:absolute;opacity:0;pointer-events:none}
.mfs-check-box{flex-shrink:0;width:18px;height:18px;border-radius:5px;border:1.8px solid var(--gray4);background:#fff;display:inline-flex;align-items:center;justify-content:center;margin-top:1px;transition:all .15s;position:relative}
.mfs-check-box::after{content:'';position:absolute;width:9px;height:5px;border-left:2px solid #fff;border-bottom:2px solid #fff;transform:rotate(-45deg) translate(1px,-1px);opacity:0;transition:opacity .12s}
.mfs-check input:checked + .mfs-check-box{background:var(--c1);border-color:var(--c1)}
.mfs-check input:checked + .mfs-check-box::after{opacity:1}
.mfs-check input:focus-visible + .mfs-check-box{box-shadow:0 0 0 3px rgba(13,148,136,.20)}
.mfs-check-text strong{color:var(--c1);font-weight:700}
.mfs-check-text a{color:var(--c1);font-weight:600;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:2px}
.mfs-check.invalid .mfs-check-box{border-color:#ef4444;background:#fef2f2}

.mfs-submit{width:100%;padding:15px 20px;font-size:.95rem;font-weight:700;display:inline-flex;align-items:center;justify-content:center;gap:8px;margin-top:4px;letter-spacing:-.005em}
.mfs-submit:disabled{opacity:.55;cursor:not-allowed;transform:none}
.mfs-submit.loading{position:relative;color:transparent}
.mfs-submit.loading::after{content:'';position:absolute;width:16px;height:16px;border:2.5px solid rgba(255,255,255,.3);border-top-color:#fff;border-radius:50%;animation:mfsSpin .7s linear infinite}
@keyframes mfsSpin{to{transform:rotate(360deg)}}

.mfs-microcopy{margin:14px 0 0;font-size:.7rem;line-height:1.55;color:var(--gray5);display:flex;gap:6px;align-items:flex-start;text-align:left}
.mfs-microcopy svg{flex-shrink:0;margin-top:2px;color:var(--c1)}
.mfs-microcopy strong{color:var(--gray6);font-weight:600}

.mfs-final-msg{display:none;margin-top:18px;padding:14px 16px;border-radius:10px;font-size:.86rem;line-height:1.5;font-weight:500}
.mfs-final-msg.show{display:block}
.mfs-final-msg.ok{background:linear-gradient(135deg,#d1fae5,#ecfdf5);color:#065f46;border:1px solid #a7f3d0}
.mfs-final-msg.err{background:#fef2f2;color:#991b1b;border:1px solid #fecaca}

@media(max-width:900px){
  .margin-form-section{padding:56px 16px}
  .margin-form-inner{grid-template-columns:1fr;gap:32px}
  .mfs-side h2{font-size:1.55rem}
  .mfs-form{padding:24px 18px}
  .mfs-field-row{grid-template-columns:1fr}
}

/* ===== TESTIMONIALS ===== */
.testi-card{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r2);padding:28px 24px;position:relative;transition:border-color .25s,box-shadow .25s}
.testi-card:hover{border-color:var(--c5);box-shadow:var(--sh1)}
.testi-stars{color:#fbbf24;margin-bottom:10px;font-size:.9rem;letter-spacing:1px}
.testi-quote{font-size:.9rem;color:var(--gray7);line-height:1.65;margin-bottom:18px;font-style:italic}
.testi-author{display:flex;align-items:center;gap:12px;border-top:1px solid var(--gray2);padding-top:14px}
.testi-avatar{width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,var(--c1),var(--c4));color:var(--white);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.9rem;flex-shrink:0}
.testi-info{font-size:.78rem;line-height:1.4}
.testi-info strong{color:var(--black);display:block;font-weight:700;font-size:.85rem}
.testi-info span{color:var(--gray5)}

/* ===== FAQ ===== */
.faq-wrap{max-width:820px;margin:0 auto}
.faq-item{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r);margin-bottom:10px;transition:border-color .2s,box-shadow .2s}
.faq-item.open{border-color:var(--c5);box-shadow:0 4px 16px rgba(13,148,136,.08)}
.faq-q{width:100%;background:none;border:none;padding:18px 22px;display:flex;justify-content:space-between;align-items:center;font-family:var(--font);font-size:.94rem;font-weight:600;color:var(--black);text-align:left}
.faq-chevron{display:inline-flex;width:22px;height:22px;color:var(--c1);transition:transform .25s;flex-shrink:0;margin-left:12px}
.faq-item.open .faq-chevron{transform:rotate(180deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-a-inner{padding:0 22px 18px;font-size:.9rem;color:var(--gray6);line-height:1.7}
.faq-a-inner a{color:var(--c1);text-decoration:underline}

/* ===== FOOTER ===== */
.footer{background:var(--black);color:var(--gray5);padding:64px 32px 28px}
.footer-inner{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.08)}
.footer-brand img{height:32px;margin-bottom:18px}
.footer-logo{display:inline-block;line-height:0;margin-bottom:18px;transition:opacity .2s}
.footer-logo img{display:block;height:38px;width:auto}
.footer-logo:hover{opacity:.85}
.footer-brand p{font-size:.82rem;line-height:1.7;max-width:380px}
.footer-brand .footer-cnpj{font-size:.7rem;color:var(--gray6);margin-top:14px;line-height:1.55}
.footer-col h4{color:var(--white);font-size:.74rem;text-transform:uppercase;letter-spacing:1.5px;margin-bottom:18px;font-weight:700}
.footer-col a,.footer-col span{display:block;color:var(--gray5);font-size:.84rem;margin-bottom:10px;transition:color .15s}
.footer-col a:hover{color:var(--c3)}
.footer-disclaimer{max-width:var(--max);margin:24px auto 0;font-size:.72rem;line-height:1.7;color:var(--gray6);padding:18px 0;border-bottom:1px solid rgba(255,255,255,.05)}
.footer-disclaimer strong{color:var(--gray4)}
.footer-copy{max-width:var(--max);margin:18px auto 0;display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px;font-size:.72rem;color:var(--gray6)}
.footer-copy a{color:var(--gray5)}
.footer-copy a:hover{color:var(--c3)}

/* ===== WHATSAPP FLOAT ===== */
.wa-float{position:fixed;bottom:22px;right:22px;z-index:120}
.wa-btn{width:58px;height:58px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;color:var(--white);box-shadow:0 6px 20px rgba(37,211,102,.45);transition:transform .2s}
.wa-btn:hover{transform:scale(1.07);color:var(--white)}

/* ===== BREADCRUMB ===== */
.breadcrumb{padding:90px 32px 0;background:var(--white)}
.breadcrumb-inner{max-width:var(--max);margin:0 auto;font-size:.78rem;color:var(--gray6);padding:18px 0 0;border-bottom:1px solid var(--gray2);padding-bottom:18px}
.breadcrumb a{color:var(--gray6)}
.breadcrumb a:hover{color:var(--c1)}
.breadcrumb .sep{margin:0 8px;color:var(--gray4)}
.breadcrumb .current{color:var(--black);font-weight:600}

/* ===== LEGAL/INSTITUCIONAL (sobre, contato, privacidade etc) ===== */
.legal-hero{background:linear-gradient(160deg,var(--dark) 0%,var(--dark2) 100%);padding:140px 32px 70px;color:var(--white)}
.legal-hero-inner{max-width:var(--max);margin:0 auto}
.legal-hero h1{font-size:2.4rem;font-weight:800;color:var(--white);letter-spacing:-.02em;margin-bottom:10px}
.legal-hero p{color:var(--gray5);font-size:1rem;max-width:680px;line-height:1.65}

.legal{max-width:840px;margin:0 auto;padding:64px 32px 96px}
.legal h2{font-size:1.4rem;font-weight:800;color:var(--black);margin:36px 0 14px;letter-spacing:-.02em}
.legal h2:first-child{margin-top:0}
.legal h3{font-size:1.05rem;font-weight:700;color:var(--gray8);margin:24px 0 10px}
.legal p{font-size:.95rem;color:var(--gray7);line-height:1.75;margin-bottom:14px}
.legal ul,.legal ol{padding-left:22px;margin-bottom:14px}
.legal li{font-size:.95rem;color:var(--gray7);line-height:1.75;margin-bottom:6px}
.legal a{color:var(--c1);text-decoration:underline}
.legal-meta{font-size:.78rem;color:var(--gray5);background:var(--gray1);border:1px solid var(--gray2);border-radius:var(--r);padding:14px 18px;margin-bottom:32px}
.legal-meta strong{color:var(--gray8)}

/* Sobre / Equipe */
.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:8px}

/* Contato form */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.contact-info h3{font-size:1.4rem;font-weight:800;color:var(--black);letter-spacing:-.02em;margin-bottom:14px}
.contact-info p{font-size:.95rem;color:var(--gray6);line-height:1.7;margin-bottom:24px}
.contact-block{display:flex;align-items:flex-start;gap:14px;padding:16px 0;border-bottom:1px solid var(--gray2)}
.contact-block:last-child{border-bottom:none}
.contact-block-ic{width:42px;height:42px;border-radius:11px;background:var(--c7);color:var(--c1);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.contact-block-tx strong{display:block;font-size:.9rem;color:var(--black);font-weight:700;margin-bottom:2px}
.contact-block-tx span,.contact-block-tx a{display:block;font-size:.85rem;color:var(--gray6);line-height:1.55}
.contact-block-tx a:hover{color:var(--c1)}

.contact-form{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r3);padding:32px}
.contact-form h3{font-size:1.2rem;font-weight:800;color:var(--black);margin-bottom:6px;letter-spacing:-.015em}
.contact-form .csub{font-size:.85rem;color:var(--gray6);margin-bottom:20px}
.cf-field{margin-bottom:14px}
.cf-field label{display:block;font-size:.72rem;font-weight:700;color:var(--gray7);margin-bottom:5px;text-transform:uppercase;letter-spacing:.5px}
.cf-field input,.cf-field select,.cf-field textarea{width:100%;padding:12px 14px;border:1.5px solid var(--gray3);border-radius:var(--r);font-size:.92rem;font-family:var(--font);background:var(--gray1);color:var(--black);transition:border-color .2s,background .2s,box-shadow .2s}
.cf-field input:focus,.cf-field select:focus,.cf-field textarea:focus{outline:none;border-color:var(--c2);background:var(--white);box-shadow:0 0 0 4px rgba(13,148,136,.08)}
.cf-field textarea{resize:vertical;min-height:90px}
.cf-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.cf-msg{margin-top:14px;padding:12px 14px;border-radius:var(--r);font-size:.85rem;display:none}
.cf-msg.ok{display:block;background:#ecfdf5;color:#065f46;border:1px solid #a7f3d0}
.cf-msg.err{display:block;background:#fef2f2;color:#991b1b;border:1px solid #fecaca}

/* ===== PARCEIROS BAR ===== */
.partners-bar{background:var(--gray1);padding:48px 22px 52px;text-align:center;border-top:1px solid var(--gray2);border-bottom:1px solid var(--gray2)}
.partners-bar .pb-lbl{font-size:.68rem;text-transform:uppercase;letter-spacing:2.5px;color:var(--gray6);font-weight:700;margin-bottom:28px}
.partners-list{display:flex;align-items:center;justify-content:center;gap:38px 54px;flex-wrap:wrap;max-width:980px;margin:0 auto;line-height:1}
.pl-item{font-family:var(--font);font-size:1.15rem;color:var(--gray5);transition:color .25s ease,transform .25s ease;line-height:1;cursor:default;user-select:none;display:inline-flex;align-items:center;gap:6px}
.pl-item:hover{color:var(--gray8);transform:translateY(-1px)}
.pl-inter{font-weight:800;letter-spacing:-.045em}
.pl-creditas{font-weight:700;letter-spacing:-.025em}
.pl-galleria{font-weight:600;font-style:italic;letter-spacing:-.005em}
.pl-pontte{font-weight:800;letter-spacing:.08em;text-transform:uppercase;font-size:1rem}
.pl-tcash{font-weight:800;letter-spacing:-.02em}
.pl-tcash::before{content:'$';color:var(--gray5);font-weight:600;margin-right:3px;opacity:.7}
.pl-more{font-weight:500;font-style:italic;color:var(--gray6);font-size:.95rem}
/* Trust badges (placeholder enquanto não há logos autorizados de parceiros) */
.pl-trust{font-weight:600;font-size:.92rem;letter-spacing:.2px;color:var(--gray6);padding:10px 18px;border:1px solid var(--gray3);border-radius:999px;background:#fff;box-shadow:0 1px 2px rgba(0,0,0,.02)}
.pl-trust:hover{color:var(--c1);border-color:var(--c1);transform:translateY(-1px)}

/* =================================================================
   HUMANIZAÇÃO — fotos reais de pessoas/escritório
   ================================================================= */

/* --- Hero visual: foto + card sobreposto (estilo Nubank/Creditas) --- */
.hero-visual{position:relative;display:block;padding-bottom:0}
.hero-photo-wrap{position:relative;border-radius:var(--r4);overflow:hidden;aspect-ratio:4/5;box-shadow:0 30px 80px rgba(0,0,0,.45),0 0 0 1px rgba(255,255,255,.06);background:linear-gradient(135deg,var(--dark2),var(--dark));isolation:isolate}
.hero-photo-wrap img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block;transition:transform .8s ease}
.hero-photo-wrap:hover img{transform:scale(1.03)}
.hero-photo-wrap::after{content:'';position:absolute;inset:0;background:linear-gradient(165deg,rgba(13,148,136,.12) 0%,transparent 30%,transparent 55%,rgba(12,18,34,.65) 100%);pointer-events:none}
/* Variante "tall" — usada na home: aspect mais longo pra evitar crop da cabeça */
.hero-photo-tall{aspect-ratio:4/5}
.hero-photo-tall img{object-position:center 12%}

/* Badge "Atendimento humano" flutuando no canto superior da foto */
.hero-badge-float{position:absolute;top:18px;left:18px;z-index:3;display:inline-flex;align-items:center;gap:6px;padding:7px 13px;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-radius:100px;font-size:.7rem;font-weight:700;color:var(--c1);letter-spacing:.3px;box-shadow:0 8px 24px rgba(0,0,0,.18)}
.hero-badge-float svg{color:var(--c1)}

/* Card LEGADO sobreposto (mantém compat com produtos/etc.) */
.hero-visual .hero-card{position:absolute;left:20px;right:20px;bottom:-32px;padding:22px 22px;border-radius:var(--r3);box-shadow:0 22px 55px rgba(0,0,0,.35),0 0 0 1px rgba(255,255,255,.05);z-index:2}
.hero-visual .hero-card .hc-stats{padding:14px 0;margin:12px 0;gap:10px}
.hero-visual .hero-card .hc-stat .v{font-size:1rem}
.hero-visual .hero-card .hc-foot{margin-top:10px}
.hero-visual .hero-card h3{font-size:1.1rem}
.hero-visual .hero-card .hc-sub{font-size:.82rem;margin-bottom:14px}

/* Card "FLOATING" — variante usada na home: ancorado canto inferior, NÃO cobre rosto */
.hero-visual .hero-card-floating{position:absolute;left:auto;right:-28px;bottom:24px;width:calc(100% - 32px);max-width:340px;padding:22px 22px;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-radius:18px;box-shadow:0 28px 70px rgba(0,0,0,.45),0 0 0 1px rgba(255,255,255,.08)}
.hero-visual .hero-card-floating .hc-tag{margin-bottom:10px}
.hero-visual .hero-card-floating h3{font-size:1.05rem;margin-bottom:4px}
.hero-visual .hero-card-floating .hc-sub{font-size:.78rem;margin-bottom:12px;line-height:1.5}
.hero-visual .hero-card-floating .hc-stats{padding:12px 0;margin:10px 0;gap:8px}
.hero-visual .hero-card-floating .hc-stat .v{font-size:.95rem}
.hero-visual .hero-card-floating .hc-stat .l{font-size:.56rem}
.hero-visual .hero-card-floating .btn{padding:10px 16px;font-size:.82rem}
.hero-visual .hero-card-floating .hc-foot{margin-top:8px;font-size:.65rem}

/* --- Avatar stack: prova social com rostos --- */
.avatar-stack{display:inline-flex;align-items:center;gap:14px;margin-top:28px}
.avatar-stack-imgs{display:inline-flex;align-items:center}
.avatar-stack-imgs > *{margin-left:-12px}
.avatar-stack-imgs > *:first-child{margin-left:0}
.avatar-stack-imgs picture{display:inline-flex}
.avatar-stack-imgs picture img{margin:0}
.avatar-stack-imgs img,.avatar-stack-imgs .as-init{width:38px;height:38px;border-radius:50%;object-fit:cover;border:2.5px solid var(--dark2);box-shadow:0 2px 6px rgba(0,0,0,.3);background:var(--gray2)}
.avatar-stack-imgs .as-init{display:inline-flex;align-items:center;justify-content:center;font-size:.7rem;font-weight:800;color:#fff;letter-spacing:-.02em;font-family:'Inter',sans-serif}
.avatar-stack-imgs .as-init.c1{background:linear-gradient(135deg,#0d9488,#14b8a6)}
.avatar-stack-imgs .as-init.c2{background:linear-gradient(135deg,#0b766b,#0d9488)}
.avatar-stack-imgs .as-init.c3{background:linear-gradient(135deg,#14b8a6,#2dd4bf)}
.avatar-stack-imgs .as-init.c4{background:linear-gradient(135deg,#155e63,#0b766b)}
.avatar-stack.light .avatar-stack-imgs .as-init{border-color:var(--white)}
.avatar-stack-text{font-size:.78rem;color:var(--gray4);line-height:1.45;font-weight:500}
.avatar-stack-text strong{color:var(--white);font-weight:700;display:block;font-size:.86rem}
.avatar-stack.light .avatar-stack-imgs img{border-color:var(--white)}
.avatar-stack.light .avatar-stack-text{color:var(--gray6)}
.avatar-stack.light .avatar-stack-text strong{color:var(--black)}

/* --- Avatares de depoimento (foto real em vez de iniciais) --- */
.testi-avatar-photo{width:44px;height:44px;border-radius:50%;object-fit:cover;flex-shrink:0;border:2px solid var(--gray2)}

/* --- Grid do time (página Sobre) --- */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.team-member{text-align:center;background:var(--white);border:1px solid var(--gray3);border-radius:var(--r3);padding:26px 18px 22px;transition:border-color .25s,box-shadow .25s,transform .25s}
.team-member:hover{border-color:var(--c5);box-shadow:0 12px 32px rgba(13,148,136,.10);transform:translateY(-3px)}
.team-photo{width:124px;height:124px;border-radius:50%;object-fit:cover;margin:0 auto 16px;display:block;border:3px solid var(--c7);box-shadow:0 6px 20px rgba(13,148,136,.15)}
.team-photo-init{width:124px;height:124px;border-radius:50%;margin:0 auto 16px;display:flex;align-items:center;justify-content:center;border:3px solid var(--c7);box-shadow:0 6px 20px rgba(13,148,136,.15);background:linear-gradient(135deg,var(--c1) 0%,var(--c2) 55%,#0b766b 100%);color:#fff;font-size:2.4rem;font-weight:800;letter-spacing:-.04em;line-height:1;font-family:'Inter',-apple-system,sans-serif;text-shadow:0 2px 12px rgba(0,0,0,.18);position:relative;overflow:hidden}
.team-photo-init::after{content:'';position:absolute;inset:0;background:radial-gradient(circle at 30% 25%,rgba(255,255,255,.16) 0%,transparent 55%);pointer-events:none;border-radius:50%}
.team-member h4{font-size:.98rem;font-weight:800;color:var(--black);margin-bottom:4px;letter-spacing:-.01em}
.team-member .team-role{font-size:.7rem;color:var(--c1);text-transform:uppercase;letter-spacing:1.2px;font-weight:700;margin-bottom:10px;display:block}
.team-member p{font-size:.8rem;color:var(--gray6);line-height:1.55}
.team-security-note{margin:32px auto 0;max-width:640px;text-align:center;font-size:.74rem;color:var(--gray6);line-height:1.55;padding:14px 18px;background:var(--gray1);border-radius:10px;border:1px solid var(--gray2)}
.team-security-note strong{color:var(--gray8);font-weight:700}
.team-security-note svg{width:14px;height:14px;vertical-align:-2px;margin-right:4px;color:var(--c1)}

/* --- Foto do escritório (página Sobre) --- */
.office-wrap{display:grid;grid-template-columns:1.15fr 1fr;gap:48px;align-items:center;background:linear-gradient(135deg,var(--gray1),var(--c7));border:1px solid var(--gray2);border-radius:var(--r4);padding:44px;overflow:hidden}
.office-photo{border-radius:var(--r3);overflow:hidden;aspect-ratio:4/3;box-shadow:var(--sh2);background:var(--dark2)}
.office-photo img{width:100%;height:100%;object-fit:cover;display:block}
.office-content h3{font-size:1.5rem;font-weight:800;color:var(--black);margin-bottom:14px;letter-spacing:-.02em}
.office-content p{font-size:.94rem;color:var(--gray7);line-height:1.7;margin-bottom:12px}
.office-meta{font-size:.84rem;color:var(--gray8);font-weight:600;margin-top:18px;display:inline-flex;align-items:center;gap:8px;background:var(--white);padding:10px 16px;border-radius:100px;border:1px solid var(--c5)}
.office-meta svg{color:var(--c1)}

/* --- Cartão de consultor (Contato) --- */
.contact-consultant{background:linear-gradient(135deg,var(--c7),var(--c6));border-radius:var(--r3);padding:22px;display:flex;align-items:center;gap:18px;margin-top:8px;border:1px solid var(--c5)}
.contact-consultant img{width:64px;height:64px;border-radius:50%;object-fit:cover;flex-shrink:0;border:3px solid var(--white);box-shadow:0 4px 12px rgba(13,148,136,.18)}
.cc-init-stack{display:inline-flex;align-items:center;flex-shrink:0}
.cc-init-stack > *{margin-left:-14px}
.cc-init-stack > *:first-child{margin-left:0}
.cc-init-stack picture{display:inline-flex}
.cc-init-stack .as-init,.cc-init-stack .cc-photo{width:48px;height:48px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;border:3px solid var(--white);box-shadow:0 4px 12px rgba(13,148,136,.18);font-size:.78rem;font-weight:800;color:#fff;letter-spacing:-.02em;font-family:'Inter',sans-serif;background:var(--gray2);object-fit:cover}
.cc-init-stack picture .cc-photo{margin:0}
.cc-init-stack .as-init.c1{background:linear-gradient(135deg,#0d9488,#14b8a6)}
.cc-init-stack .as-init.c2{background:linear-gradient(135deg,#0b766b,#0d9488)}
.cc-init-stack .as-init.c3{background:linear-gradient(135deg,#14b8a6,#2dd4bf)}
.contact-consultant-text{font-size:.85rem;color:var(--gray7);line-height:1.5}
.contact-consultant-text strong{display:block;color:var(--black);font-weight:700;font-size:.92rem;margin-bottom:2px}

/* --- Hero institucional com foto (Sobre/Contato) --- */
.legal-hero.with-photo{padding-bottom:120px}
.legal-hero.with-photo .legal-hero-inner{display:grid;grid-template-columns:1.15fr 1fr;gap:56px;align-items:center}
.legal-hero.with-photo .hero-photo-wrap{aspect-ratio:4/5;box-shadow:0 30px 80px rgba(0,0,0,.55),0 0 0 1px rgba(255,255,255,.06)}

/* ===== ANIMATIONS ===== */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.visible{opacity:1;transform:translateY(0)}
.reveal:nth-child(2){transition-delay:.06s}
.reveal:nth-child(3){transition-delay:.12s}
.reveal:nth-child(4){transition-delay:.18s}

/* ===== RESPONSIVE ===== */
@media(max-width:980px){
    .hero{padding:130px 22px 80px}
    .hero-grid{grid-template-columns:1fr;gap:48px;text-align:center}
    .hero-sub{margin:0 auto 30px;max-width:none}
    .hero-cta-row,.hero-trust{justify-content:center}
    .hero h1{font-size:2.2rem}
    .avatar-stack{margin:24px auto 0}
    .hero-visual .hero-card{position:relative;left:auto;right:auto;bottom:auto;margin:-46px 18px 0;text-align:left}
    .hero-visual .hero-card-floating{position:relative;left:auto;right:auto;bottom:auto;width:calc(100% - 36px);max-width:520px;margin:-32px auto 0;text-align:left}
    .hero-photo-wrap{aspect-ratio:5/4;max-width:520px;margin:0 auto}
    .hero-photo-tall{aspect-ratio:4/5;max-width:380px}
    .team-grid{grid-template-columns:repeat(2,1fr)}
    .office-wrap{grid-template-columns:1fr;padding:32px;gap:28px}
    .legal-hero.with-photo{padding-bottom:80px}
    .legal-hero.with-photo .legal-hero-inner{grid-template-columns:1fr;gap:32px;text-align:center}
    .legal-hero.with-photo .hero-photo-wrap{aspect-ratio:16/10;max-width:560px;margin:0 auto}
    .grid-3,.grid-4,.product-grid,.values-grid{grid-template-columns:1fr 1fr}
    .grid-2,.compare-grid{grid-template-columns:1fr}
    .contact-grid{grid-template-columns:1fr;gap:32px}
    .nav{display:none;position:fixed;inset:0;background:rgba(255,255,255,.98);backdrop-filter:blur(20px);flex-direction:column;align-items:stretch;justify-content:flex-start;gap:4px;z-index:200;padding:96px 24px 32px;overflow-y:auto}
    .nav.open{display:flex}
    .nav-link{color:var(--gray8)!important;font-size:1rem;text-shadow:none;font-weight:600;padding:14px 16px;border-bottom:1px solid var(--gray2);border-radius:0;justify-content:space-between;width:100%}
    .nav-cta{margin:14px 0 0;text-align:center;justify-content:center;font-size:.9rem!important;padding:14px 22px}
    .nav-dropdown{position:static;transform:none;opacity:1;pointer-events:auto;visibility:visible;background:var(--gray1);box-shadow:none;border:none;min-width:auto;grid-template-columns:1fr;padding:8px;border-radius:var(--r);margin:0 0 8px}
    .hamburger{display:block;position:relative;z-index:202}
    .footer-inner{grid-template-columns:1fr;text-align:center;gap:32px}
    .footer-brand{display:flex;flex-direction:column;align-items:center}
    .footer-brand p,.footer-brand .footer-cnpj{max-width:100%;text-align:center}
    .footer-brand img,.footer-logo{margin-left:auto;margin-right:auto}
    .footer-copy{justify-content:center;text-align:center}
    .proof-inner{grid-template-columns:repeat(2,1fr);gap:28px}
    .banner-cta{flex-direction:column;text-align:center;padding:36px 28px}
    .banner-cta p{margin:0 auto}
    .legal-hero h1{font-size:1.8rem}
}
@media(max-width:560px){
    .hero{padding:120px 22px 60px}
    .hero h1{font-size:1.95rem}
    .hero-sub{font-size:.95rem}
    .team-grid{grid-template-columns:1fr 1fr;gap:14px}
    .team-photo,.team-photo-init{width:96px;height:96px}
    .team-photo-init{font-size:1.9rem}
    .team-member{padding:20px 14px 16px}
    .office-wrap{padding:24px}
    .contact-consultant{flex-direction:column;text-align:center;padding:20px}
    .avatar-stack{flex-direction:column;gap:10px;text-align:center}
    .avatar-stack-text{text-align:center}
    .section{padding:64px 22px}
    .section.tight{padding:48px 22px}
    .section-title{font-size:1.55rem}
    .grid-3,.grid-4,.product-grid,.values-grid{grid-template-columns:1fr}
    .header-inner{padding:0 20px;height:62px}
    .header.scrolled .header-inner{height:58px}
    .logo{height:30px}
    .header.scrolled .logo{height:28px}
    .footer{padding:48px 22px 24px}
    .legal{padding:48px 22px 64px}
    .compare-card{padding:28px 22px}
    .banner-cta{padding:32px 22px}
    .banner-cta h3{font-size:1.2rem}
    .hero-card{padding:28px 22px}
    .contact-form{padding:24px 20px}
    .cf-row{grid-template-columns:1fr}
    .breadcrumb{padding:80px 22px 0}
    .legal-hero{padding:120px 22px 56px}
}

/* =================================================================
   CRO — micro-conversão / trust / sticky CTA mobile / microcopy
   ================================================================= */

/* Microcopy embaixo de CTAs (responde objeção sem ruído) */
.form-microcopy{margin:10px 0 0;font-size:.74rem;color:var(--gray6);text-align:center;line-height:1.5;font-weight:500}
.cta-microcopy{display:block;margin-top:10px;font-size:.72rem;color:var(--gray5);font-weight:500;letter-spacing:.1px}

/* Trust badges horizontais ao lado/abaixo de formulários */
.form-trust{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:8px 14px;margin:18px 0 6px;padding:14px 12px;border-top:1px dashed var(--gray3);border-bottom:1px dashed var(--gray3)}
.ft-badge{display:inline-flex;align-items:center;gap:6px;font-size:.72rem;color:var(--gray7);font-weight:600;letter-spacing:.2px;line-height:1}
.ft-badge svg{color:var(--c1);flex-shrink:0}

/* Sticky CTA mobile (aparece após scroll, só mobile) */
.sticky-cta{position:fixed;bottom:0;left:0;right:0;z-index:90;display:none;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-top:1px solid var(--gray3);box-shadow:0 -8px 28px rgba(15,23,42,.10);transform:translateY(100%);transition:transform .35s cubic-bezier(.2,.9,.3,1.2)}
.sticky-cta.visible{transform:translateY(0)}
.sticky-cta-inner{display:flex;align-items:center;gap:10px;max-width:520px;margin:0 auto}
.sticky-cta a{flex:1;display:inline-flex;align-items:center;justify-content:center;gap:6px;padding:13px 14px;border-radius:12px;font-size:.86rem;font-weight:700;line-height:1;text-decoration:none;letter-spacing:-.01em;min-height:48px}
.sticky-cta-primary{background:var(--c1);color:#fff;box-shadow:var(--sh-teal)}
.sticky-cta-primary:hover{background:var(--c2);color:#fff}
.sticky-cta-wa{background:#25D366;color:#fff;flex:0 0 auto;width:48px;padding:0}
.sticky-cta-wa:hover{background:#1ebe5a;color:#fff}
@media(max-width:760px){
    .sticky-cta{display:block}
    /* Espaço extra no final do conteúdo para a barra não cobrir */
    body{padding-bottom:72px}
    .wa-float{bottom:88px}
}

/* a:focus-visible — acessibilidade de teclado (faltava) */
a:focus-visible,button:focus-visible{outline:2px solid var(--c2);outline-offset:3px;border-radius:4px}

/* ===== UTILS ===== */
/* "Acesse sua conta" do CredioBank é só web — em mobile orientamos a baixar o app.
   .pc-only esconde no mobile (≤760px); .mobile-only esconde no desktop (≥761px). */
@media(max-width:760px){.pc-only{display:none!important}}
@media(min-width:761px){.mobile-only{display:none!important}}
.text-center{text-align:center}
.mt-0{margin-top:0!important}
.mt-8{margin-top:8px}
.mt-16{margin-top:16px}
.mt-24{margin-top:24px}
.mt-32{margin-top:32px}
.mt-48{margin-top:48px}

/* === Página /sobre — Galeria do escritório (versão simplificada) === */
.about-office{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:center;margin-top:24px}
.about-office-gallery{position:relative;border-radius:var(--r2);overflow:hidden;background:#0f172a;aspect-ratio:4/3;box-shadow:0 18px 48px rgba(15,23,42,.18)}
.aog-stage{position:absolute;inset:0;z-index:0}
.aog-slide{position:absolute;inset:0;opacity:0;transition:opacity .55s ease}
.aog-slide.is-active{opacity:1}
.aog-slide img{width:100%;height:100%;object-fit:cover;display:block}
.aog-stamp{position:absolute;top:14px;left:14px;z-index:2;display:inline-flex;align-items:center;gap:6px;background:rgba(15,23,42,.85);color:#fff;padding:7px 12px;border-radius:999px;font-size:.7rem;font-weight:700;letter-spacing:.3px;backdrop-filter:blur(6px)}
.aog-thumbs{position:absolute;left:14px;right:14px;bottom:14px;z-index:3;display:flex;gap:6px;justify-content:center;flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none;padding:4px 2px}
.aog-thumbs::-webkit-scrollbar{display:none}
.aog-thumb{flex:0 0 auto;width:56px;height:42px;border-radius:6px;overflow:hidden;border:2px solid rgba(255,255,255,.4);background:#0f172a;padding:0;cursor:pointer;transition:transform .2s,border-color .2s,box-shadow .2s,opacity .2s;opacity:.72}
.aog-thumb img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .3s}
.aog-thumb:hover{opacity:1;transform:translateY(-2px)}
.aog-thumb:hover img{transform:scale(1.08)}
.aog-thumb.is-active{border-color:var(--c3);opacity:1;box-shadow:0 4px 14px rgba(45,212,191,.55),0 0 0 1px rgba(45,212,191,.25)}
.aog-thumb:focus-visible{outline:none;border-color:#fff;box-shadow:0 0 0 3px rgba(45,212,191,.55)}
.about-office-meta{display:flex;flex-direction:column;gap:18px}
.aom-row{padding-bottom:14px;border-bottom:1px solid var(--gray2)}
.aom-row:last-of-type{border-bottom:none;padding-bottom:0}
.aom-lbl{font-size:.66rem;text-transform:uppercase;letter-spacing:1.5px;color:var(--gray5);font-weight:700;margin-bottom:4px}
.aom-val{font-size:.95rem;color:var(--gray8);font-weight:500;line-height:1.55}
.aom-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:6px}
.aom-actions .btn{flex:1;min-width:140px;justify-content:center;font-size:.82rem;padding:10px 16px}
@media(max-width:880px){.about-office{grid-template-columns:1fr;gap:32px}.about-office-gallery{aspect-ratio:16/10}.aog-thumb{width:48px;height:36px}}

/* === Página /sobre — Empresas do grupo (cards) === */
.grupo-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:8px}
.grupo-card{padding:32px 28px;background:var(--white);border:1px solid var(--gray2);border-radius:var(--r2);transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease}
.grupo-card:hover{transform:translateY(-3px);box-shadow:0 14px 32px rgba(15,23,42,.08);border-color:var(--gray3)}
.grupo-tag{display:inline-block;font-size:.66rem;text-transform:uppercase;letter-spacing:1.5px;color:var(--c1);font-weight:700;background:var(--c7);padding:5px 12px;border-radius:999px;margin-bottom:14px}
.grupo-card h3{font-size:1.2rem;font-weight:800;color:var(--black);letter-spacing:-.02em;margin:0 0 16px}
.grupo-meta{list-style:none;padding:0;margin:0 0 18px;display:flex;flex-direction:column;gap:8px}
.grupo-meta li{display:flex;justify-content:space-between;gap:12px;font-size:.82rem;padding:8px 0;border-bottom:1px dashed var(--gray2)}
.grupo-meta li:last-child{border-bottom:none}
.grupo-meta li span{color:var(--gray5);font-weight:600;text-transform:uppercase;font-size:.7rem;letter-spacing:.8px;flex-shrink:0}
.grupo-meta li strong{color:var(--gray8);text-align:right;font-weight:600;font-size:.85rem}
.grupo-card p{font-size:.9rem;color:var(--gray7);line-height:1.65;margin:0}
.grupo-card p a{color:var(--c1);font-weight:600;text-decoration:none;border-bottom:1px solid currentColor}
.grupo-card p a:hover{color:var(--c2)}
@media(max-width:760px){.grupo-grid{grid-template-columns:1fr}.grupo-card{padding:24px 20px}.grupo-meta li{flex-direction:column;gap:2px}.grupo-meta li strong{text-align:left}}