/* ==========================================================================
   ASCOBCRED - Design System & Modern Responsive Stylesheet
   Palette: Royal Blue (#0047AB), Intense Navy (#0A192F), Crisp White (#FFFFFF)
   ========================================================================== */

:root {
  /* Brand Colors */
  --primary: #0047AB;
  --primary-dark: #003380;
  --primary-light: #1D68D8;
  --primary-hover: #003B91;
  --primary-soft: #EBF3FE;
  --primary-soft-border: #BCD5F8;
  
  --navy: #0A192F;
  --navy-dark: #060E1A;
  --navy-light: #112240;
  
  --white: #FFFFFF;
  --bg-page: #F8FAFD;
  --bg-card: #FFFFFF;
  --bg-subtle: #F1F5F9;
  
  --accent-cyan: #0284C7;
  --accent-green: #10B981;
  --accent-gold: #F59E0B;
  
  --whatsapp: #25D366;
  --whatsapp-dark: #1EBE5D;
  --whatsapp-hover: #128C7E;
  
  /* Text Colors */
  --text-heading: #0A192F;
  --text-body: #334155;
  --text-muted: #64748B;
  --text-light: #94A3B8;
  --text-white: #FFFFFF;
  
  /* Borders & Shadows */
  --border-color: #E2E8F0;
  --border-light: #EDF2F7;
  --border-primary: rgba(0, 71, 171, 0.2);
  
  --shadow-xs: 0 1px 2px rgba(10, 25, 47, 0.05);
  --shadow-sm: 0 2px 4px rgba(10, 25, 47, 0.06);
  --shadow-md: 0 4px 12px rgba(10, 25, 47, 0.08);
  --shadow-lg: 0 10px 25px rgba(0, 71, 171, 0.12);
  --shadow-xl: 0 20px 40px rgba(0, 71, 171, 0.16);
  --shadow-glow: 0 0 30px rgba(0, 71, 171, 0.25);
  
  /* Radii */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;
  
  /* Transitions */
  --transition-fast: 0.15s ease;
  --transition-base: 0.25s ease;
  --transition-smooth: 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  
  /* Layout */
  --container-max: 1240px;
  --header-height: 80px;
  --topbar-height: 40px;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  width: 100%;
}

body {
  font-family: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--text-body);
  background-color: var(--bg-page);
  line-height: 1.6;
  overflow-x: hidden;
  width: 100%;
  position: relative;
}

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

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition-fast);
}

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  outline: none;
  border: none;
}

button {
  cursor: pointer;
  background: none;
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 20px;
}

/* ==========================================================================
   Top Announcement Bar
   ========================================================================== */
.top-bar {
  background: linear-gradient(90deg, var(--navy-dark) 0%, var(--primary-dark) 50%, var(--navy-dark) 100%);
  color: var(--text-white);
  font-size: 0.825rem;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
  z-index: 101;
}

.top-bar-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}

.top-bar-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 500;
}

.top-bar-badge .pulse-dot {
  width: 8px;
  height: 8px;
  background-color: var(--accent-green);
  border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
  animation: pulse-green 2s infinite;
}

@keyframes pulse-green {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7); }
  70% { transform: scale(1); box-shadow: 0 0 0 6px rgba(16, 185, 129, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(16, 185, 129, 0); }
}

.top-bar-info {
  display: flex;
  align-items: center;
  gap: 16px;
}

.top-bar-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #E2E8F0;
  transition: color var(--transition-fast);
}

.top-bar-item:hover {
  color: #FFFFFF;
}

/* ==========================================================================
   Header & Sticky Navigation
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  left: 0;
  width: 100%;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-color);
  z-index: 100;
  transition: all var(--transition-base);
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
  background: rgba(255, 255, 255, 0.98);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
}

/* Logo */
.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.logo-symbol {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary) 0%, #002878 100%);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  box-shadow: 0 4px 10px rgba(0, 71, 171, 0.25);
  transition: transform var(--transition-smooth);
}

.brand-logo:hover .logo-symbol {
  transform: scale(1.05) rotate(2deg);
}

.logo-text-group {
  display: flex;
  flex-direction: column;
}

.logo-title {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.5px;
  line-height: 1.1;
}

.logo-title span {
  color: var(--primary);
}

.logo-subtitle {
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 1.5px;
}

/* Nav Menu */
.nav-menu {
  display: flex;
  align-items: center;
  list-style: none;
  gap: 24px;
}

.nav-link {
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--text-body);
  position: relative;
  padding: 8px 0;
  transition: color var(--transition-fast);
}

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

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0%;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: width var(--transition-smooth);
}

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

/* Header Action Buttons */
.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 700;
  border-radius: var(--radius-full);
  transition: all var(--transition-smooth);
  text-align: center;
  white-space: nowrap;
}

.btn-sm {
  padding: 9px 18px;
  font-size: 0.875rem;
}

.btn-md {
  padding: 13px 26px;
  font-size: 0.975rem;
}

.btn-lg {
  padding: 16px 32px;
  font-size: 1.05rem;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary) 0%, #00368C 100%);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(0, 71, 171, 0.3);
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--primary-light) 0%, var(--primary) 100%);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 71, 171, 0.4);
}

.btn-whatsapp {
  background-color: var(--whatsapp);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(37, 211, 102, 0.3);
}

.btn-whatsapp:hover {
  background-color: var(--whatsapp-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.45);
}

.btn-outline-primary {
  background: transparent;
  color: var(--primary);
  border: 1.5px solid var(--primary);
}

.btn-outline-primary:hover {
  background: var(--primary-soft);
  transform: translateY(-2px);
}

.btn-white {
  background: var(--white);
  color: var(--primary);
  box-shadow: var(--shadow-md);
}

.btn-white:hover {
  background: #F8FAFC;
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

/* Mobile Menu Toggle */
.mobile-toggle {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 28px;
  height: 20px;
  cursor: pointer;
  z-index: 110;
}

.mobile-toggle span {
  display: block;
  height: 2.5px;
  width: 100%;
  background-color: var(--navy);
  border-radius: 4px;
  transition: all var(--transition-base);
}

.mobile-toggle.active span:nth-child(1) {
  transform: translateY(8.5px) rotate(45deg);
}

.mobile-toggle.active span:nth-child(2) {
  opacity: 0;
}

.mobile-toggle.active span:nth-child(3) {
  transform: translateY(-8.5px) rotate(-45deg);
}

/* Mobile Navigation Drawer */
.mobile-drawer {
  position: fixed;
  top: 0;
  right: -100%;
  width: 86%;
  max-width: 360px;
  height: 100vh;
  height: 100dvh;
  background: var(--white);
  box-shadow: -10px 0 35px rgba(0, 0, 0, 0.25);
  z-index: 105;
  padding: calc(20px + env(safe-area-inset-top, 0px)) 20px calc(24px + env(safe-area-inset-bottom, 0px));
  display: flex;
  flex-direction: column;
  gap: 18px;
  transition: right var(--transition-smooth);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}

.mobile-drawer.open {
  right: 0;
}

.mobile-drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border-color);
}

.drawer-close-btn {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--bg-subtle);
  border: 1px solid var(--border-color);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all var(--transition-fast);
  flex-shrink: 0;
}

.drawer-close-btn:hover {
  background: var(--primary-soft);
  color: var(--primary);
  border-color: var(--primary-soft-border);
}

.drawer-overlay {
  position: fixed;
  inset: 0;
  width: 100%;
  height: 100%;
  background: rgba(10, 25, 47, 0.5);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  z-index: 104;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition-base);
}

.drawer-overlay.active {
  opacity: 1;
  pointer-events: auto;
}

.mobile-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.mobile-nav-item a {
  display: block;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  padding: 10px 14px;
  border-radius: var(--radius-md);
  transition: background var(--transition-fast);
}

.mobile-nav-item a:hover {
  background: var(--primary-soft);
  color: var(--primary);
}

.mobile-drawer-footer {
  margin-top: auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding-top: 20px;
  border-top: 1px solid var(--border-color);
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.hero-section {
  position: relative;
  background: radial-gradient(circle at 10% 20%, #F0F6FF 0%, #FFFFFF 65%, #EBF3FE 100%);
  padding: 50px 0 70px;
  overflow: hidden;
  border-bottom: 1px solid var(--border-color);
}

.hero-glow-1 {
  position: absolute;
  top: -100px;
  left: -80px;
  width: 450px;
  height: 450px;
  background: radial-gradient(circle, rgba(0, 71, 171, 0.12) 0%, rgba(255, 255, 255, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-glow-2 {
  position: absolute;
  bottom: -120px;
  right: -50px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(2, 132, 199, 0.1) 0%, rgba(255, 255, 255, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.95fr;
  align-items: center;
  gap: 40px;
  position: relative;
  z-index: 2;
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--primary-soft);
  color: var(--primary);
  border: 1px solid var(--primary-soft-border);
  font-size: 0.85rem;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  width: fit-content;
}

.hero-title {
  font-size: 2.85rem;
  font-weight: 800;
  line-height: 1.15;
  color: var(--navy);
  letter-spacing: -1px;
}

.hero-title .highlight {
  color: var(--primary);
  position: relative;
  display: inline-block;
}

.hero-title .highlight::after {
  content: '';
  position: absolute;
  bottom: 4px;
  left: 0;
  width: 100%;
  height: 8px;
  background: rgba(0, 71, 171, 0.15);
  border-radius: 4px;
  z-index: -1;
}

.hero-subtitle {
  font-size: 1.15rem;
  color: var(--text-body);
  max-width: 540px;
  line-height: 1.6;
}

.hero-subtitle strong {
  color: var(--navy);
  font-weight: 700;
}

/* Hero Badges / Pills */
.hero-trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 5px;
}

.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  background: var(--white);
  padding: 8px 14px;
  border-radius: var(--radius-full);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-xs);
}

.hero-pill svg {
  color: var(--primary);
}

/* Hero Pre-lead & Fast Simulator Card */
.hero-card-wrapper {
  position: relative;
}

.hero-lead-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 32px 28px;
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(0, 71, 171, 0.15);
  position: relative;
  overflow: hidden;
}

.hero-card-header {
  margin-bottom: 20px;
  text-align: center;
}

.hero-card-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #EBF3FE;
  color: var(--primary);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.hero-card-title {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.25;
}

.hero-card-subtitle {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-top: 4px;
}

/* Category Pills in Form */
.profile-selector {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
  margin-bottom: 18px;
}

.profile-radio {
  display: none;
}

.profile-label {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 9px 8px;
  font-size: 0.825rem;
  font-weight: 700;
  color: var(--text-body);
  background: var(--bg-subtle);
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--transition-fast);
  text-align: center;
}

.profile-radio:checked + .profile-label {
  background: var(--primary-soft);
  color: var(--primary);
  border-color: var(--primary);
  box-shadow: 0 2px 8px rgba(0, 71, 171, 0.15);
}

/* Hero Form Inputs */
.form-group {
  margin-bottom: 16px;
}

.input-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}

.input-with-icon {
  position: relative;
  display: flex;
  align-items: center;
}

.input-icon {
  position: absolute;
  left: 14px;
  color: var(--text-muted);
  pointer-events: none;
  display: flex;
  align-items: center;
}

.form-control {
  width: 100%;
  padding: 13px 14px 13px 44px;
  background: #FFFFFF;
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  font-size: 1rem;
  color: var(--navy);
  transition: all var(--transition-fast);
}

.form-control:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(0, 71, 171, 0.15);
}

/* Quick Value Chips */
.value-chips {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-top: 8px;
}

.chip-btn {
  background: var(--bg-subtle);
  border: 1px solid var(--border-color);
  color: var(--text-body);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.chip-btn:hover, .chip-btn.active {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}

/* Live Estimate Preview in Card */
.estimate-preview-box {
  background: linear-gradient(135deg, #0A192F 0%, #00368C 100%);
  color: var(--white);
  padding: 14px 18px;
  border-radius: var(--radius-lg);
  margin-bottom: 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.estimate-left span {
  display: block;
  font-size: 0.75rem;
  text-transform: uppercase;
  color: #94A3B8;
  letter-spacing: 0.5px;
}

.estimate-left strong {
  font-size: 1.45rem;
  font-weight: 800;
  color: #38BDF8;
}

.estimate-right {
  text-align: right;
  font-size: 0.75rem;
  color: #E2E8F0;
}

.estimate-right span {
  display: block;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
}

.btn-card-submit {
  width: 100%;
  padding: 14px;
  font-size: 1.05rem;
  border-radius: var(--radius-md);
  margin-bottom: 12px;
}

/* Security Trust Line */
.card-security-footer {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.78rem;
  color: var(--text-muted);
  text-align: center;
}

.card-security-footer svg {
  color: var(--accent-green);
}

/* ==========================================================================
   Stats / Trust Banner
   ========================================================================== */
.stats-strip {
  background: var(--navy);
  color: var(--white);
  padding: 32px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  text-align: center;
}

.stat-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.stat-number {
  font-size: 2.1rem;
  font-weight: 800;
  color: #38BDF8;
  letter-spacing: -0.5px;
}

.stat-desc {
  font-size: 0.85rem;
  color: #94A3B8;
  font-weight: 500;
}

/* ==========================================================================
   Section Headers (Reusable)
   ========================================================================== */
.section {
  padding: 80px 0;
  position: relative;
}

.section-bg-alt {
  background-color: #F8FAFD;
}

.section-bg-white {
  background-color: #FFFFFF;
}

.section-bg-blue-tint {
  background: linear-gradient(180deg, #F0F6FF 0%, #FFFFFF 100%);
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 50px;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--primary);
  background: var(--primary-soft);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  margin-bottom: 12px;
}

.section-title {
  font-size: 2.35rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  letter-spacing: -0.5px;
  margin-bottom: 14px;
}

.section-title span {
  color: var(--primary);
}

.section-subtitle {
  font-size: 1.08rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ==========================================================================
   Vantagens (Benefits Grid)
   ========================================================================== */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.benefit-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-smooth);
  display: flex;
  flex-direction: column;
  gap: 14px;
  position: relative;
}

.benefit-card:hover {
  transform: translateY(-6px);
  border-color: var(--primary-soft-border);
  box-shadow: var(--shadow-lg);
}

.benefit-icon-wrapper {
  width: 58px;
  height: 58px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--primary-soft) 0%, #D8E7FD 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  transition: all var(--transition-base);
}

.benefit-card:hover .benefit-icon-wrapper {
  background: linear-gradient(135deg, var(--primary) 0%, #00368C 100%);
  color: var(--white);
  transform: scale(1.05);
}

.benefit-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
}

.benefit-text {
  font-size: 0.93rem;
  color: var(--text-body);
  line-height: 1.55;
}

/* ==========================================================================
   Simulador Avançado (Full Interactive Loan Calculator)
   ========================================================================== */
.simulator-wrapper {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border-color);
  overflow: hidden;
}

.simulator-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
}

.sim-controls-panel {
  padding: 40px;
  border-right: 1px solid var(--border-color);
}

.sim-conv-group {
  margin-bottom: 28px;
}

.sim-conv-title {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}

.sim-conv-buttons {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
}

.conv-btn {
  padding: 10px 8px;
  background: var(--bg-subtle);
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text-body);
  cursor: pointer;
  transition: all var(--transition-fast);
  text-align: center;
}

.conv-btn.active, .conv-btn:hover {
  background: var(--primary-soft);
  color: var(--primary);
  border-color: var(--primary);
}

/* Slider Controls */
.sim-range-block {
  margin-bottom: 30px;
}

.sim-range-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 12px;
}

.sim-range-title-group {
  display: flex;
  flex-direction: column;
}

.sim-range-label {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 2px;
}

.sim-range-sub {
  color: var(--text-muted);
  font-size: 0.8rem;
}

.sim-direct-input-wrapper {
  display: inline-flex;
  align-items: center;
  background: #FFFFFF;
  border: 2px solid var(--primary);
  border-radius: var(--radius-md);
  padding: 6px 14px;
  gap: 6px;
  box-shadow: 0 2px 8px rgba(0, 71, 171, 0.12);
  transition: all var(--transition-fast);
}

.sim-direct-input-wrapper:focus-within {
  box-shadow: 0 0 0 3px rgba(0, 71, 171, 0.2);
}

.sim-currency-prefix {
  font-weight: 800;
  color: var(--primary);
  font-size: 1.15rem;
}

#sim-direct-input {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--primary);
  width: 140px;
  border: none;
  outline: none;
  background: transparent;
  text-align: left;
}

.custom-slider {
  -webkit-appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: #E2E8F0;
  outline: none;
  transition: background var(--transition-fast);
}

.custom-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(0, 71, 171, 0.4);
  transition: transform var(--transition-fast);
}

.custom-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.sim-range-limits {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 6px;
}

.sim-limits-middle {
  color: var(--primary);
  font-weight: 600;
}

.sim-quick-chips-scroll {
  margin-top: 10px;
}

.sim-terms-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 8px;
}

#sim-term-display-label {
  font-size: 0.88rem;
  color: var(--primary);
  font-weight: 700;
}

.sim-bank-swipe-hint {
  display: none;
}

/* Term / Months Selection */
.sim-terms-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 8px;
  margin-top: 10px;
}

.term-pill {
  padding: 10px;
  background: var(--bg-subtle);
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  text-align: center;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.term-pill.active, .term-pill:hover {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
  box-shadow: 0 4px 10px rgba(0, 71, 171, 0.2);
}

/* Results Display Panel */
.sim-results-panel {
  background: linear-gradient(160deg, #0A192F 0%, #00368C 100%);
  color: var(--white);
  padding: 40px 32px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.sim-results-top h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: #94A3B8;
  margin-bottom: 4px;
}

.sim-results-top .installment-badge {
  display: inline-block;
  background: rgba(56, 189, 248, 0.15);
  color: #38BDF8;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  margin-bottom: 16px;
}

.sim-big-installment {
  margin-bottom: 24px;
}

.sim-big-installment .parcel-label {
  font-size: 0.85rem;
  text-transform: uppercase;
  color: #CBD5E1;
  letter-spacing: 0.5px;
}

.sim-big-installment .parcel-value {
  font-size: 3rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin: 6px 0;
}

.sim-big-installment .parcel-value span {
  font-size: 1.25rem;
  font-weight: 600;
}

.sim-details-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  background: rgba(255, 255, 255, 0.07);
  padding: 18px;
  border-radius: var(--radius-lg);
  margin-bottom: 24px;
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.sim-detail-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.88rem;
}

.sim-detail-row span:first-child {
  color: #94A3B8;
}

.sim-detail-row span:last-child {
  color: var(--white);
  font-weight: 700;
}

.sim-cta-buttons {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.sim-cta-buttons .btn {
  width: 100%;
}

/* ==========================================================================
   Produtos / Linhas de Crédito
   ========================================================================== */
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

@media (min-width: 1200px) {
  .products-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.product-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 26px;
  border: 1.5px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: all var(--transition-smooth);
  position: relative;
  overflow: hidden;
}

.product-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary) 0%, var(--accent-cyan) 100%);
  opacity: 0;
  transition: opacity var(--transition-base);
}

.product-card:hover {
  transform: translateY(-8px);
  border-color: var(--primary-soft-border);
  box-shadow: var(--shadow-lg);
}

.product-card:hover::before {
  opacity: 1;
}

.product-tag {
  align-self: flex-start;
  background: var(--primary-soft);
  color: var(--primary);
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  margin-bottom: 16px;
}

.product-title {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 10px;
}

.product-desc {
  font-size: 0.92rem;
  color: var(--text-body);
  line-height: 1.55;
  margin-bottom: 20px;
}

.product-features-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
}

.product-features-list li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: var(--navy);
  font-weight: 600;
}

.product-features-list svg {
  color: var(--accent-green);
  flex-shrink: 0;
}

/* ==========================================================================
   Como Solicitar (Passo a Passo)
   ========================================================================== */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  position: relative;
}

.step-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 30px 22px;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  position: relative;
  transition: all var(--transition-smooth);
}

.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--primary-soft-border);
}

.step-badge {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--primary) 0%, #002878 100%);
  color: var(--white);
  font-size: 1.15rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 10px rgba(0, 71, 171, 0.25);
}

.step-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
}

.step-desc {
  font-size: 0.88rem;
  color: var(--text-body);
  line-height: 1.5;
}

/* Meu INSS Special Info Box */
.inss-help-box {
  background: linear-gradient(135deg, #EBF3FE 0%, #F5F9FF 100%);
  border: 1.5px solid var(--primary-soft-border);
  border-radius: var(--radius-xl);
  padding: 32px;
  margin-top: 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
}

.inss-help-content {
  display: flex;
  align-items: flex-start;
  gap: 18px;
}

.inss-icon-box {
  width: 52px;
  height: 52px;
  background: var(--primary);
  color: var(--white);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.inss-text h4 {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 4px;
}

.inss-text p {
  font-size: 0.92rem;
  color: var(--text-body);
  max-width: 640px;
}

/* ==========================================================================
   Quem Pode Contratar (Tabbed Section)
   ========================================================================== */
.tabs-nav {
  display: flex;
  justify-content: center;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.tab-btn {
  padding: 12px 24px;
  border-radius: var(--radius-full);
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-body);
  background: var(--white);
  border: 1.5px solid var(--border-color);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.tab-btn.active, .tab-btn:hover {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
  box-shadow: 0 4px 14px rgba(0, 71, 171, 0.25);
}

.tab-content {
  display: none;
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-md);
  animation: fadeIn 0.3s ease;
}

.tab-content.active {
  display: block;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.tab-inner-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 36px;
  align-items: center;
}

.tab-info-col h3 {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
}

.tab-info-col p {
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.6;
  margin-bottom: 20px;
}

.tab-checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 24px;
}

.tab-checklist li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--navy);
}

.tab-checklist svg {
  color: var(--accent-green);
}

.margin-highlight-card {
  background: linear-gradient(135deg, #0A192F 0%, #00368C 100%);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 30px 24px;
  text-align: center;
}

.margin-highlight-card h4 {
  font-size: 1.05rem;
  font-weight: 700;
  color: #94A3B8;
  margin-bottom: 8px;
}

.margin-big-num {
  font-size: 3.2rem;
  font-weight: 800;
  color: #38BDF8;
  line-height: 1;
  margin-bottom: 10px;
}

.margin-desc {
  font-size: 0.85rem;
  color: #E2E8F0;
  line-height: 1.5;
}

/* ==========================================================================
   Security & Anti-Fraud Notice
   ========================================================================== */
.security-alert-box {
  background: #FFFBEB;
  border: 1.5px solid #FCD34D;
  border-radius: var(--radius-xl);
  padding: 32px;
  display: flex;
  align-items: center;
  gap: 24px;
  box-shadow: var(--shadow-sm);
}

.sec-alert-icon {
  width: 60px;
  height: 60px;
  border-radius: 16px;
  background: #FEF3C7;
  color: #D97706;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.sec-alert-content h4 {
  font-size: 1.25rem;
  font-weight: 800;
  color: #92400E;
  margin-bottom: 6px;
}

.sec-alert-content p {
  font-size: 0.93rem;
  color: #78350F;
  line-height: 1.55;
}

.sec-alert-content p strong {
  text-decoration: underline;
}

/* ==========================================================================
   Testimonials (Quem Já Contratou)
   ========================================================================== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.test-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 30px;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 18px;
  transition: all var(--transition-smooth);
}

.test-card:hover {
  transform: translateY(-6px);
  border-color: var(--primary-soft-border);
  box-shadow: var(--shadow-lg);
}

.test-stars {
  display: flex;
  gap: 4px;
  color: #F59E0B;
}

.test-quote {
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.6;
  font-style: italic;
}

.test-author {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 14px;
  border-top: 1px solid var(--border-light);
}

.test-avatar {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  border: 2px solid var(--primary-soft-border);
  box-shadow: 0 2px 8px rgba(0, 71, 171, 0.15);
  overflow: hidden;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--bg-subtle);
}

.test-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.test-info h5 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy);
}

.test-info span {
  font-size: 0.78rem;
  color: var(--text-muted);
}

/* ==========================================================================
   FAQ Section (Accordion)
   ========================================================================== */
.faq-container {
  max-width: 840px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  overflow: hidden;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.faq-item.open {
  border-color: var(--primary-soft-border);
  box-shadow: var(--shadow-sm);
}

.faq-question {
  width: 100%;
  padding: 22px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  text-align: left;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  background: transparent;
  transition: color var(--transition-fast);
}

.faq-item.open .faq-question {
  color: var(--primary);
}

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--bg-subtle);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
  transition: transform var(--transition-base), background var(--transition-base);
}

.faq-item.open .faq-icon {
  transform: rotate(180deg);
  background: var(--primary-soft);
  color: var(--primary);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0, 1, 0, 1), padding 0.35s ease;
  padding: 0 24px;
  color: var(--text-body);
  font-size: 0.95rem;
  line-height: 1.65;
}

.faq-item.open .faq-answer {
  max-height: 500px;
  padding: 0 24px 22px;
}

/* ==========================================================================
   CTA Banner
   ========================================================================== */
.cta-banner-section {
  background: linear-gradient(135deg, #0A192F 0%, #0047AB 100%);
  color: var(--white);
  padding: 70px 0;
  position: relative;
  overflow: hidden;
}

.cta-banner-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  position: relative;
  z-index: 2;
}

.cta-banner-text h2 {
  font-size: 2.3rem;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 10px;
}

.cta-banner-text p {
  font-size: 1.1rem;
  color: #CBD5E1;
  max-width: 600px;
}

.cta-banner-actions {
  display: flex;
  gap: 14px;
  flex-shrink: 0;
}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer {
  background-color: var(--navy-dark);
  color: #94A3B8;
  font-size: 0.88rem;
  padding: 70px 0 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 40px;
  margin-bottom: 50px;
}

.footer-col-brand .logo-title {
  color: var(--white);
}

.footer-col-brand p {
  margin-top: 14px;
  line-height: 1.6;
  max-width: 320px;
}

.footer-title {
  color: var(--white);
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 20px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a:hover {
  color: var(--white);
  padding-left: 4px;
}

.footer-contact-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  line-height: 1.4;
}

.footer-contact-item svg {
  color: #38BDF8;
  flex-shrink: 0;
  margin-top: 3px;
}

.footer-compliance-box {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  font-size: 0.78rem;
  line-height: 1.6;
  color: #64748B;
  margin-bottom: 30px;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.82rem;
}

/* ==========================================================================
   Floating WhatsApp Button
   ========================================================================== */
.floating-whatsapp {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 99;
  display: flex;
  align-items: center;
  gap: 10px;
  background-color: var(--whatsapp);
  color: var(--white);
  padding: 12px 18px 12px 14px;
  border-radius: var(--radius-full);
  box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
  font-weight: 700;
  font-size: 0.92rem;
  transition: all var(--transition-smooth);
}

.floating-whatsapp:hover {
  background-color: var(--whatsapp-dark);
  transform: translateY(-4px) scale(1.03);
  box-shadow: 0 12px 30px rgba(37, 211, 102, 0.55);
}

.whatsapp-icon-pulse {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.whatsapp-badge-online {
  position: absolute;
  top: -2px;
  right: -2px;
  width: 10px;
  height: 10px;
  background-color: #FFFFFF;
  border: 2px solid var(--whatsapp);
  border-radius: 50%;
}

/* ==========================================================================
   Modal (Solicitação de Empréstimo)
   ========================================================================== */
.modal-backdrop {
  position: fixed;
  inset: 0;
  width: 100%;
  height: 100%;
  background: rgba(10, 25, 47, 0.65);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  z-index: 200;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition-base);
}

.modal-backdrop.open {
  opacity: 1;
  pointer-events: auto;
}

.modal-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  max-width: 500px;
  width: 100%;
  padding: 36px 30px;
  box-shadow: var(--shadow-xl);
  position: relative;
  transform: scale(0.95);
  transition: transform var(--transition-smooth);
  max-height: 90vh;
  overflow-y: auto;
}

.modal-backdrop.open .modal-card {
  transform: scale(1);
}

.modal-close-btn {
  position: absolute;
  top: 18px;
  right: 18px;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--bg-subtle);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  font-size: 1.2rem;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.modal-close-btn:hover {
  background: #E2E8F0;
  color: var(--primary);
}

.modal-header {
  text-align: center;
  margin-bottom: 20px;
}

.modal-header h3 {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
}

.modal-header p {
  font-size: 0.88rem;
  color: var(--text-muted);
}

.modal-summary-box {
  background: var(--primary-soft);
  border: 1px solid var(--primary-soft-border);
  border-radius: var(--radius-md);
  padding: 12px 16px;
  margin-bottom: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.85rem;
  color: var(--navy);
}

.modal-summary-box strong {
  color: var(--primary);
  font-size: 1.1rem;
}

.form-check {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-bottom: 20px;
}

.form-check input {
  margin-top: 3px;
}

/* ==========================================================================
   Multi-Bank Simulator & Partner Banks Strip (Base Styles)
   ========================================================================== */
.partner-banks-strip {
  background: var(--white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 16px 24px;
  margin-bottom: 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
  box-shadow: var(--shadow-xs);
}

.partner-banks-label {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 8px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.partner-banks-logos {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}

.bank-pill {
  font-size: 0.8rem;
  font-weight: 700;
  padding: 6px 12px;
  border-radius: var(--radius-full);
  background: var(--bg-subtle);
  color: var(--navy);
  border: 1px solid var(--border-color);
  display: inline-flex;
  align-items: center;
  gap: 5px;
  transition: all var(--transition-fast);
}

.bank-pill:hover {
  background: var(--primary-soft);
  color: var(--primary);
  border-color: var(--primary-soft-border);
}

/* Multi-Bank Comparison Section in Simulator */
.sim-bank-comparison-section {
  margin-top: 30px;
  padding-top: 24px;
  border-top: 1px dashed var(--border-color);
}

.sim-bank-header {
  margin-bottom: 16px;
}

.sim-bank-subtitle {
  display: block;
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-top: 4px;
}

.bank-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  max-height: 380px;
  overflow-y: auto;
  padding-right: 6px;
}

.bank-cards-grid::-webkit-scrollbar {
  width: 6px;
}
.bank-cards-grid::-webkit-scrollbar-track {
  background: #F1F5F9;
  border-radius: 4px;
}
.bank-cards-grid::-webkit-scrollbar-thumb {
  background: #CBD5E1;
  border-radius: 4px;
}

.bank-card {
  background: var(--bg-subtle);
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 12px 14px;
  cursor: pointer;
  transition: all var(--transition-fast);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 8px;
  position: relative;
  text-align: left;
}

.bank-card:hover {
  border-color: var(--primary-soft-border);
  background: #F0F6FF;
  transform: translateY(-2px);
}

.bank-card.active {
  background: #EBF3FE;
  border-color: var(--primary);
  box-shadow: 0 4px 12px rgba(0, 71, 171, 0.15);
}

.bank-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
}

.bank-card-name {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 6px;
}

.bank-card-name .bank-icon {
  font-size: 1.1rem;
}

.bank-card-badge {
  font-size: 0.7rem;
  font-weight: 800;
  padding: 3px 8px;
  border-radius: var(--radius-full);
  background: #E2E8F0;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.3px;
  white-space: nowrap;
}

.bank-card.active .bank-card-badge,
.bank-card-badge.highlight {
  background: var(--primary);
  color: var(--white);
}

.bank-card-badge.troco {
  background: #10B981;
  color: var(--white);
}

.bank-card-bottom {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-top: 4px;
}

.bank-card-rate {
  font-size: 0.78rem;
  color: var(--text-muted);
}

.bank-card-rate strong {
  color: var(--navy);
}

.bank-card-parcel {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--primary);
}

.sim-active-bank-banner {
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-md);
  padding: 10px 14px;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.85rem;
}

.sim-active-bank-banner strong {
  color: #38BDF8;
}

/* Validação Cadastral CPF e Nome Oficial (Receita Federal) */
.cpf-feedback-container {
  margin-top: 6px;
  font-size: 0.8rem;
  line-height: 1.4;
  border-radius: var(--radius-sm);
  padding: 6px 10px;
  transition: all var(--transition-fast);
}

.cpf-feedback-container.checking {
  display: flex !important;
  align-items: center;
  gap: 8px;
  background: #EFF6FF;
  border: 1px solid #BFDBFE;
  color: #1E40AF;
}

.cpf-feedback-container.verified {
  display: flex !important;
  align-items: center;
  gap: 8px;
  background: #ECFDF5;
  border: 1px solid #A7F3D0;
  color: #065F46;
  font-weight: 600;
}

.cpf-feedback-container.invalid {
  display: flex !important;
  align-items: center;
  gap: 8px;
  background: #FEF2F2;
  border: 1px solid #FECACA;
  color: #991B1B;
  font-weight: 600;
}

.name-divergence-box {
  background: #FFFBEB;
  border: 1.5px solid #F59E0B;
  border-radius: var(--radius-md);
  padding: 12px 14px;
  margin-top: 8px;
  color: #92400E;
  font-size: 0.82rem;
  line-height: 1.4;
  animation: fadeIn 0.25s ease;
}

.name-verified-box {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: 6px;
  padding: 6px 10px;
  background: #F0FDF4;
  border: 1px solid #BBF7D0;
  border-radius: var(--radius-sm);
  color: #166534;
  font-size: 0.78rem;
  font-weight: 600;
  animation: fadeIn 0.25s ease;
}

.btn-use-official-name {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 8px;
  padding: 6px 12px;
  background: var(--primary);
  color: var(--white);
  border: none;
  border-radius: var(--radius-sm);
  font-size: 0.76rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.btn-use-official-name:hover {
  background: var(--primary-dark);
  transform: translateY(-1px);
}

.form-control.input-invalid {
  border-color: #EF4444 !important;
  background-color: #FEF2F2 !important;
}

.form-control.input-verified {
  border-color: #10B981 !important;
  background-color: #F0FDF4 !important;
}

.spinner-icon {
  width: 14px;
  height: 14px;
  border: 2px solid #BFDBFE;
  border-top-color: #1D4ED8;
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
  display: inline-block;
  flex-shrink: 0;
}

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

.hero-inputs-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 12px;
}

/* ==========================================================================
   Responsive Breakpoints System
   ========================================================================== */

/* 1. Tablets e Telas Médias (<= 1024px) */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  
  .hero-content {
    text-align: center;
    align-items: center;
  }

  .hero-subtitle {
    margin: 0 auto;
    max-width: 600px;
  }
  
  .hero-trust-row {
    justify-content: center;
  }
  
  .simulator-grid {
    grid-template-columns: 1fr;
  }
  
  .sim-controls-panel {
    border-right: none;
    border-bottom: 1px solid var(--border-color);
    padding: 32px 24px;
  }

  .sim-results-panel {
    padding: 32px 24px;
  }
  
  .sim-terms-grid {
    grid-template-columns: repeat(4, 1fr);
  }
  
  .tab-inner-grid {
    grid-template-columns: 1fr;
  }
  
  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .benefits-grid,
  .products-grid,
  .testimonials-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* 2. Tablets Verticais e Smartphones Maiores (<= 768px) */
@media (max-width: 768px) {
  :root {
    --header-height: 60px;
  }

  html, body {
    overflow-x: hidden !important;
    width: 100% !important;
    position: relative;
  }

  .container {
    padding: 0 16px;
  }

  /* Redução de padding excessivo das seções */
  .section {
    padding: 40px 0;
  }

  .section-header {
    margin-bottom: 22px;
  }

  .section-title {
    font-size: clamp(1.45rem, 5.5vw, 1.85rem);
    letter-spacing: -0.3px;
    line-height: 1.25;
  }

  .section-subtitle {
    font-size: 0.9rem;
    line-height: 1.5;
  }

  /* Header & Top Bar */
  .top-bar {
    padding: 6px 0;
    font-size: 0.76rem;
  }

  .top-bar-info {
    display: none;
  }

  .top-bar-badge {
    font-size: 0.74rem;
    line-height: 1.35;
    text-align: center;
    justify-content: center;
    width: 100%;
    padding: 0 10px;
  }

  .site-header {
    height: 60px;
  }

  .header-inner {
    height: 60px;
  }

  .brand-logo {
    gap: 8px;
  }

  .logo-symbol {
    width: 36px;
    height: 36px;
    border-radius: 10px;
  }

  .logo-symbol svg {
    width: 20px;
    height: 20px;
  }

  .logo-title {
    font-size: 1.25rem;
  }

  .logo-subtitle {
    font-size: 0.62rem;
    letter-spacing: 1px;
  }

  .nav-menu, .header-actions {
    display: none !important;
  }

  .mobile-toggle {
    display: flex;
    z-index: 102;
  }

  /* Hero Section & Express Simulator Form */
  .hero-section {
    padding: 20px 0 32px;
  }

  .hero-title {
    font-size: clamp(1.6rem, 6.2vw, 2.1rem);
    line-height: 1.22;
  }

  .hero-subtitle {
    font-size: 0.9rem;
    line-height: 1.48;
    margin-bottom: 18px;
  }

  .hero-trust-row {
    gap: 6px;
    justify-content: center;
    margin-bottom: 22px;
  }

  .hero-pill {
    font-size: 0.74rem;
    padding: 6px 10px;
    gap: 5px;
  }

  .hero-card-wrapper {
    width: 100%;
    max-width: 500px;
    margin: 0 auto;
  }

  .hero-lead-card {
    padding: 20px 15px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
  }

  .hero-card-title {
    font-size: 1.25rem;
  }

  .hero-card-subtitle {
    font-size: 0.8rem;
  }

  .profile-selector {
    display: grid !important;
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 6px;
    margin-bottom: 12px;
  }

  .profile-label {
    padding: 8px 4px;
    font-size: 0.76rem;
    min-height: 42px;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    line-height: 1.2;
    gap: 4px;
  }

  .hero-inputs-grid {
    grid-template-columns: 1fr;
    gap: 10px;
    margin-bottom: 10px;
  }

  /* Previne zoom automático indesejado no iOS Safari */
  .form-control {
    font-size: 16px !important;
    padding: 11px 12px 11px 40px;
    height: 48px;
  }

  #hero-amount-chips {
    display: grid !important;
    grid-template-columns: repeat(3, 1fr) !important;
    gap: 6px !important;
    margin-top: 6px;
  }

  #hero-amount-chips .chip-btn {
    width: 100% !important;
    min-height: 38px !important;
    font-size: 0.78rem !important;
    padding: 4px 2px !important;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
  }

  #hero-term-chips {
    display: grid !important;
    grid-template-columns: repeat(3, 1fr) !important;
    gap: 6px !important;
    margin-top: 6px;
  }

  #hero-term-chips .hero-term-chip {
    flex: none !important;
    width: 100% !important;
    min-width: 0 !important;
    min-height: 40px !important;
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    font-size: 0.82rem !important;
    font-weight: 700 !important;
    padding: 6px 2px !important;
    text-align: center;
  }

  .estimate-preview-box {
    padding: 12px 14px;
    border-radius: var(--radius-md);
    margin-bottom: 12px;
  }

  .estimate-left strong {
    font-size: 1.25rem;
  }

  .btn-card-submit {
    padding: 13px;
    font-size: 0.98rem;
    min-height: 48px;
  }

  /* Stats Grid */
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 14px;
  }

  .stat-number {
    font-size: 1.7rem;
  }

  .stat-desc {
    font-size: 0.78rem;
  }

  /* Partner Banks Strip */
  .partner-banks-strip {
    flex-direction: column;
    align-items: flex-start;
    padding: 14px 14px;
    gap: 10px;
    border-radius: var(--radius-md);
  }

  .partner-banks-logos {
    display: flex !important;
    overflow-x: auto !important;
    flex-wrap: nowrap !important;
    gap: 6px;
    width: 100%;
    padding-bottom: 4px;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }

  .partner-banks-logos::-webkit-scrollbar {
    display: none;
  }

  .bank-pill {
    flex-shrink: 0;
    white-space: nowrap;
    font-size: 0.75rem;
    padding: 6px 10px;
  }

  /* Simulador Principal */
  .sim-controls-panel {
    padding: 20px 14px;
  }

  .sim-conv-buttons {
    display: grid !important;
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 6px;
  }

  .conv-btn {
    padding: 9px 4px;
    font-size: 0.78rem;
    min-height: 42px;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
  }

  .sim-range-header {
    flex-direction: column;
    align-items: stretch;
    gap: 8px;
    margin-bottom: 10px;
  }

  .sim-direct-input-wrapper {
    width: 100%;
    display: flex;
    align-items: center;
    height: 50px;
    padding: 8px 14px;
    box-sizing: border-box;
  }

  #sim-direct-input {
    width: 100% !important;
    flex: 1;
    font-size: 1.3rem !important;
  }

  .sim-range-limits {
    font-size: 0.74rem;
  }

  .sim-limits-middle {
    display: none;
  }

  .sim-quick-chips-scroll {
    display: flex !important;
    overflow-x: auto !important;
    flex-wrap: nowrap !important;
    gap: 6px;
    padding-bottom: 6px;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }

  .sim-quick-chips-scroll::-webkit-scrollbar {
    display: none;
  }

  .sim-quick-chips-scroll .chip-btn {
    flex-shrink: 0;
    white-space: nowrap;
    padding: 7px 12px;
    font-size: 0.78rem;
    min-height: 38px;
  }

  .sim-terms-grid {
    display: grid !important;
    grid-template-columns: repeat(4, 1fr) !important;
    gap: 6px !important;
  }

  .term-pill {
    padding: 8px 2px;
    font-size: 0.8rem;
    min-height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
  }

  .sim-bank-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 8px;
    flex-wrap: wrap;
    gap: 6px;
  }

  .sim-bank-swipe-hint {
    display: inline-block;
    font-size: 0.72rem;
    font-weight: 700;
    color: var(--primary);
    background: var(--primary-soft);
    padding: 3px 8px;
    border-radius: var(--radius-full);
  }

  /* Cartões Multibancos em Carrossel Swipe Horizontal no Mobile */
  .bank-cards-grid {
    display: flex !important;
    flex-direction: row !important;
    overflow-x: auto !important;
    overflow-y: hidden !important;
    scroll-snap-type: x mandatory;
    gap: 10px;
    padding: 4px 2px 14px 2px !important;
    max-height: none !important;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }

  .bank-cards-grid::-webkit-scrollbar {
    display: none;
  }

  .bank-card {
    flex: 0 0 82% !important;
    min-width: 250px !important;
    max-width: 310px !important;
    scroll-snap-align: center;
    padding: 12px 14px;
    box-shadow: var(--shadow-sm);
  }

  .sim-results-panel {
    padding: 22px 14px;
  }

  .sim-big-installment .parcel-value {
    font-size: clamp(1.9rem, 6.8vw, 2.4rem);
  }

  .sim-details-list {
    gap: 9px;
    font-size: 0.84rem;
  }

  .sim-cta-buttons .btn {
    width: 100%;
    min-height: 48px;
  }

  /* Barra de Abas Deslizável Horizontalmente (Swipeable Pills) */
  .tabs-nav {
    display: flex;
    flex-wrap: nowrap;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    gap: 8px;
    padding: 2px 2px 12px 2px;
    justify-content: flex-start;
    margin-bottom: 18px;
  }

  .tabs-nav::-webkit-scrollbar {
    display: none;
  }

  .tab-btn {
    white-space: nowrap;
    flex-shrink: 0;
    padding: 8px 14px;
    font-size: 0.8rem;
  }

  .tab-content {
    padding: 18px 14px;
    border-radius: var(--radius-lg);
  }

  .tab-checklist li {
    font-size: 0.86rem;
  }

  .margin-highlight-card {
    padding: 18px 14px;
  }

  /* Cards e Grids em 1 Coluna */
  .benefits-grid,
  .products-grid,
  .testimonials-grid,
  .steps-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .product-card,
  .test-card,
  .benefit-card {
    padding: 18px 14px;
  }

  .product-card .btn {
    width: 100%;
    min-height: 44px;
  }

  /* Caixas de Alerta e Ajuda */
  .inss-help-box,
  .inss-help-content,
  .security-alert-box {
    flex-direction: column;
    text-align: center;
    gap: 14px;
    padding: 18px 14px;
  }

  .inss-icon-box,
  .sec-alert-icon {
    margin: 0 auto;
  }

  .inss-help-box .btn {
    width: 100%;
  }

  /* Perguntas Frequentes (FAQ) */
  .faq-question {
    padding: 16px 14px;
    font-size: 0.95rem;
  }

  .faq-item.open .faq-answer {
    padding: 0 14px 16px;
    font-size: 0.88rem;
    line-height: 1.55;
  }

  /* CTA Banner */
  .cta-banner-section {
    padding: 36px 0;
  }

  .cta-banner-content {
    flex-direction: column;
    text-align: center;
    gap: 18px;
  }

  .cta-banner-text h2 {
    font-size: clamp(1.4rem, 5.5vw, 1.9rem);
  }

  .cta-banner-text p {
    font-size: 0.9rem;
  }

  .cta-banner-actions {
    width: 100%;
    flex-direction: column;
    gap: 10px;
  }

  .cta-banner-actions .btn {
    width: 100%;
    min-height: 48px;
  }

  /* Footer */
  .site-footer {
    padding: 40px 0 20px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 26px;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 10px;
  }

  .footer-compliance-box {
    font-size: 0.72rem;
    line-height: 1.5;
    padding: 14px 12px;
  }

  /* Modal de Contratação Estilo Bottom Sheet no Mobile */
  .modal-backdrop {
    position: fixed;
    inset: 0;
    width: 100%;
    height: 100%;
    padding: 0;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    z-index: 1000;
  }

  .modal-card {
    border-radius: 20px 20px 0 0;
    max-width: 100%;
    width: 100%;
    max-height: 88vh;
    max-height: 88dvh;
    padding: 20px 16px calc(24px + env(safe-area-inset-bottom, 0px));
    transform: translateY(100%);
    transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  }

  .modal-backdrop.open .modal-card {
    transform: translateY(0);
  }

  .modal-header h3 {
    font-size: 1.25rem;
  }

  .modal-close-btn {
    width: 38px;
    height: 38px;
    font-size: 1.35rem;
    top: 12px;
    right: 12px;
  }

  #modal-submit-btn {
    min-height: 50px;
    font-size: 1rem;
  }

  /* Botão Flutuante de WhatsApp */
  .floating-whatsapp {
    position: fixed;
    bottom: calc(16px + env(safe-area-inset-bottom, 0px));
    right: 16px;
    width: 52px;
    height: 52px;
    padding: 0;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 99;
    box-shadow: 0 4px 16px rgba(37, 211, 102, 0.45);
  }

  .floating-whatsapp span {
    display: none;
  }
}

/* 3. Smartphones Compactos (<= 480px) */
@media (max-width: 480px) {
  .container {
    padding: 0 12px;
  }

  .hero-lead-card {
    padding: 16px 12px;
  }

  .profile-label {
    font-size: 0.74rem;
    padding: 7px 2px;
  }

  .sim-controls-panel,
  .sim-results-panel {
    padding: 16px 12px;
  }

  .sim-terms-grid {
    grid-template-columns: repeat(3, 1fr) !important;
  }

  .estimate-preview-box {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }

  .estimate-right {
    text-align: left;
    width: 100%;
    border-top: 1px dashed rgba(255, 255, 255, 0.2);
    padding-top: 6px;
  }
}

/* 4. Telas Ultra Compactas (<= 360px: iPhone SE, etc.) */
@media (max-width: 360px) {
  .hero-title {
    font-size: 1.5rem;
  }

  .profile-selector {
    grid-template-columns: 1fr !important;
  }

  .sim-conv-buttons {
    grid-template-columns: 1fr !important;
  }

  .term-pill {
    padding: 6px 2px;
    font-size: 0.75rem;
  }
}