/* ============================================================
   BENOT CRED — Landing Page
   Paleta, tokens e componentes
   ============================================================ */

:root{
  /* Cores da marca */
  --azul:            #233F6B;
  --azul-claro:      #3B6EA5;
  --azul-escuro:     #1B3355;
  --dourado:         #B58A2E;
  --dourado-claro:   #D9AE43;
  --dourado-escuro:  #9E7620;
  --branco:          #FFFFFF;
  --cinza-claro:     #F5F7FA;
  --cinza-escuro:    #4B5563;
  --cinza-borda:     #E6EAF0;
  --whatsapp:        #25D366;
  --whatsapp-dark:   #1DA851;

  /* Gradientes */
  --grad-azul:   linear-gradient(135deg, var(--azul-claro) 0%, var(--azul) 55%, var(--azul-escuro) 100%);
  --grad-ouro:   linear-gradient(135deg, var(--dourado-claro) 0%, var(--dourado) 55%, var(--dourado-escuro) 100%);
  --grad-wpp:    linear-gradient(135deg, #2FE07A 0%, var(--whatsapp) 50%, var(--whatsapp-dark) 100%);

  /* Sombras */
  --sh-xs: 0 1px 2px rgba(27,51,85,.06);
  --sh-sm: 0 4px 14px rgba(27,51,85,.07);
  --sh-md: 0 12px 32px rgba(27,51,85,.09);
  --sh-lg: 0 24px 60px rgba(27,51,85,.14);
  --sh-gold: 0 12px 28px rgba(181,138,46,.30);
  --sh-wpp: 0 12px 28px rgba(37,211,102,.32);

  /* Raios */
  --r-sm: 10px;
  --r-md: 16px;
  --r-lg: 22px;
  --r-xl: 30px;
  --r-full: 999px;

  /* Layout */
  --header-h: 82px;
  --maxw: 1200px;

  --ease: cubic-bezier(.22,1,.36,1);
}

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

html{ scroll-behavior:smooth; scroll-padding-top: calc(var(--header-h) + 16px); }

body{
  font-family:'Poppins', system-ui, -apple-system, 'Segoe UI', sans-serif;
  color:var(--cinza-escuro);
  background:var(--branco);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

img{ max-width:100%; display:block; }
ul,ol{ list-style:none; }
a{ color:inherit; text-decoration:none; }
button{ font:inherit; color:inherit; background:none; border:0; cursor:pointer; }

h1,h2,h3,h4{ color:var(--azul-escuro); line-height:1.18; font-weight:700; letter-spacing:-.02em; }

::selection{ background:var(--dourado); color:#fff; }

/* Scrollbar */
::-webkit-scrollbar{ width:10px; }
::-webkit-scrollbar-track{ background:var(--cinza-claro); }
::-webkit-scrollbar-thumb{ background:#c6cfdb; border-radius:999px; border:2px solid var(--cinza-claro); }
::-webkit-scrollbar-thumb:hover{ background:var(--azul-claro); }

/* ---------- Utilitários ---------- */
.container{ width:100%; max-width:var(--maxw); margin-inline:auto; padding-inline:24px; }
.container--narrow{ max-width:860px; }

.ico{ width:1em; height:1em; flex:none; fill:none; }

.tx-gold{
  background:var(--grad-ouro);
  -webkit-background-clip:text; background-clip:text;
  -webkit-text-fill-color:transparent; color:transparent;
}
.tx-grad{
  background:linear-gradient(120deg, var(--azul-claro), var(--azul));
  -webkit-background-clip:text; background-clip:text;
  -webkit-text-fill-color:transparent; color:transparent;
}

.eyebrow{
  display:inline-block;
  font-size:.76rem; font-weight:600; letter-spacing:.18em; text-transform:uppercase;
  color:var(--dourado);
  margin-bottom:14px;
  position:relative; padding-left:34px;
}
.eyebrow::before{
  content:''; position:absolute; left:0; top:50%; transform:translateY(-50%);
  width:24px; height:2px; border-radius:2px; background:var(--grad-ouro);
}

.pill{
  display:inline-flex; align-items:center; gap:9px;
  font-size:.82rem; font-weight:500;
  padding:9px 18px; border-radius:var(--r-full);
  background:rgba(35,63,107,.06);
  border:1px solid rgba(35,63,107,.10);
  color:var(--azul);
  margin-bottom:26px;
}
.pill .ico{ width:1.05em; height:1.05em; color:var(--dourado); }
.pill--light{
  background:rgba(255,255,255,.10);
  border-color:rgba(255,255,255,.20);
  color:rgba(255,255,255,.92);
  backdrop-filter:blur(6px);
}
.pill--light .ico{ color:var(--dourado-claro); }

/* ---------- Botões ---------- */
.btn{
  --btn-bg:var(--grad-azul);
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  font-weight:600; font-size:.95rem; letter-spacing:.005em;
  padding:14px 26px;
  border-radius:var(--r-full);
  background:var(--btn-bg); color:#fff;
  box-shadow:var(--sh-sm);
  position:relative; overflow:hidden;
  transition:transform .35s var(--ease), box-shadow .35s var(--ease), filter .3s;
  white-space:nowrap;
}
.btn .ico{ width:1.15em; height:1.15em; transition:transform .35s var(--ease); }
.btn::after{
  content:''; position:absolute; inset:0;
  background:linear-gradient(110deg, transparent 20%, rgba(255,255,255,.30) 50%, transparent 80%);
  transform:translateX(-120%);
  transition:transform .75s var(--ease);
}
.btn:hover{ transform:translateY(-3px); box-shadow:var(--sh-md); }
.btn:hover::after{ transform:translateX(120%); }
.btn:active{ transform:translateY(-1px); }
.btn:focus-visible{ outline:3px solid var(--dourado); outline-offset:3px; }

.btn--gold{ --btn-bg:var(--grad-ouro); box-shadow:var(--sh-gold); }
.btn--gold:hover{ box-shadow:0 16px 36px rgba(181,138,46,.42); }

.btn--wpp{ --btn-bg:var(--grad-wpp); box-shadow:var(--sh-wpp); }
.btn--wpp:hover{ box-shadow:0 16px 40px rgba(37,211,102,.44); }
.btn--wpp .ico{ fill:currentColor; }
.btn--wpp:hover .ico{ transform:scale(1.12) rotate(-6deg); }

.btn--ghost{
  background:transparent; color:var(--azul);
  border:1.6px solid var(--cinza-borda);
  box-shadow:none;
}
.btn--ghost:hover{ border-color:var(--azul); background:#fff; box-shadow:var(--sh-sm); }
.btn--ghost:hover .ico{ transform:translateX(4px); }

.btn--sm{ padding:11px 20px; font-size:.86rem; }
.btn--lg{ padding:17px 34px; font-size:1rem; }
.btn--xl{ padding:20px 44px; font-size:1.08rem; border-radius:var(--r-full); }

/* ============================================================
   HEADER
   ============================================================ */
.header{
  position:fixed; inset:0 0 auto 0; z-index:100;
  height:var(--header-h);
  display:flex; align-items:center;
  background:rgba(255,255,255,.72);
  backdrop-filter:blur(14px) saturate(150%);
  -webkit-backdrop-filter:blur(14px) saturate(150%);
  border-bottom:1px solid transparent;
  transition:height .35s var(--ease), box-shadow .35s var(--ease), border-color .35s, background .35s;
}
.header.is-scrolled{
  height:70px;
  background:rgba(255,255,255,.92);
  border-bottom-color:var(--cinza-borda);
  box-shadow:0 6px 24px rgba(27,51,85,.06);
}
.header__inner{ display:flex; align-items:center; justify-content:space-between; gap:24px; }

.logo{ display:flex; align-items:center; gap:11px; }
.logo__mark{ width:auto; height:44px; transition:transform .5s var(--ease); }
.logo:hover .logo__mark{ transform:rotate(-6deg) scale(1.06); }
.logo__text{ display:flex; flex-direction:column; line-height:1; }
.logo__text strong{
  font-size:1.42rem; font-weight:700; letter-spacing:-.02em;
  background:linear-gradient(100deg, var(--azul-claro) 0%, var(--azul) 42%, var(--dourado) 100%);
  -webkit-background-clip:text; background-clip:text; -webkit-text-fill-color:transparent;
}
.logo__text small{ font-size:.56rem; letter-spacing:.34em; color:var(--cinza-escuro); font-weight:400; margin-top:3px; }

.nav{ display:flex; align-items:center; gap:34px; }
.nav__list{ display:flex; align-items:center; gap:30px; }
.nav__link{
  font-size:.92rem; font-weight:500; color:var(--azul-escuro);
  position:relative; padding:6px 0;
  transition:color .25s;
}
.nav__link::after{
  content:''; position:absolute; left:0; bottom:0; height:2px; width:0;
  background:var(--grad-ouro); border-radius:2px;
  transition:width .35s var(--ease);
}
.nav__link:hover{ color:var(--dourado); }
.nav__link:hover::after,
.nav__link.is-active::after{ width:100%; }
.nav__link.is-active{ color:var(--azul); font-weight:600; }

.burger{ display:none; width:44px; height:44px; flex-direction:column; justify-content:center; align-items:center; gap:5px; border-radius:var(--r-sm); }
.burger span{ display:block; width:24px; height:2px; border-radius:2px; background:var(--azul-escuro); transition:transform .35s var(--ease), opacity .25s; }
.burger.is-open span:nth-child(1){ transform:translateY(7px) rotate(45deg); }
.burger.is-open span:nth-child(2){ opacity:0; }
.burger.is-open span:nth-child(3){ transform:translateY(-7px) rotate(-45deg); }

/* ============================================================
   HERO
   ============================================================ */
.hero{
  position:relative;
  padding:calc(var(--header-h) + 76px) 0 100px;
  background:linear-gradient(180deg, #fff 0%, var(--cinza-claro) 100%);
  overflow:hidden;
}
.hero__bg{ position:absolute; inset:0; pointer-events:none; }

.blob{ position:absolute; border-radius:50%; filter:blur(90px); opacity:.16; }
.blob--1{ width:520px; height:520px; background:var(--azul-claro); top:-160px; right:-120px; }
.blob--2{ width:420px; height:420px; background:var(--dourado); bottom:-180px; left:-140px; opacity:.13; }
.blob--3{ width:460px; height:460px; background:var(--dourado-claro); top:-180px; left:-100px; opacity:.22; }
.blob--4{ width:520px; height:520px; background:var(--azul-claro); bottom:-220px; right:-140px; opacity:.30; }

.grid-lines{
  position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(35,63,107,.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(35,63,107,.045) 1px, transparent 1px);
  background-size:64px 64px;
  mask-image:radial-gradient(ellipse 80% 60% at 50% 40%, #000 0%, transparent 75%);
  -webkit-mask-image:radial-gradient(ellipse 80% 60% at 50% 40%, #000 0%, transparent 75%);
}

.hero__inner{
  position:relative; z-index:1;
  display:grid; grid-template-columns:1.05fr .95fr; gap:70px; align-items:center;
}

.hero__title{
  font-size:clamp(2.05rem, 3.8vw, 3.5rem);
  font-weight:800;
  margin-bottom:22px;
}
.hero__text{
  font-size:clamp(1rem, 1.15vw, 1.14rem);
  max-width:520px; margin-bottom:36px; color:var(--cinza-escuro);
}
.hero__actions{ display:flex; flex-wrap:wrap; gap:14px; margin-bottom:38px; }

.hero__trust{ display:flex; flex-wrap:wrap; gap:12px 28px; }
.hero__trust li{ display:flex; align-items:center; gap:9px; font-size:.88rem; font-weight:500; color:var(--azul-escuro); }
.hero__trust .ico{ width:1.05em; height:1.05em; color:var(--whatsapp-dark); }

/* Visual */
.hero__visual{ position:relative; }

.hero__illustration{
  position:relative;
  width:100%;
  border-radius:var(--r-xl);
  filter:drop-shadow(0 30px 60px rgba(27,51,85,.22));
}
.hero__illustration svg{ width:100%; height:auto; display:block; border-radius:var(--r-xl); }

.float-card{
  position:absolute; z-index:3;
  background:rgba(255,255,255,.90);
  backdrop-filter:blur(12px); -webkit-backdrop-filter:blur(12px);
  border:1px solid rgba(255,255,255,.7);
  border-radius:var(--r-md);
  box-shadow:var(--sh-md);
  padding:16px 20px;
  animation:floaty 6s ease-in-out infinite;
}
@keyframes floaty{ 0%,100%{ transform:translateY(0); } 50%{ transform:translateY(-10px); } }

.float-card--rate{ top:8%; left:-38px; animation-delay:0s; }
.float-card--rate .float-card__label{ display:block; font-size:.7rem; text-transform:uppercase; letter-spacing:.12em; color:var(--cinza-escuro); }
.float-card--rate .float-card__value{
  font-size:1.5rem; font-weight:700; letter-spacing:-.02em;
  background:var(--grad-ouro); -webkit-background-clip:text; background-clip:text; -webkit-text-fill-color:transparent;
}
.float-card--rate em{ font-size:.8rem; font-style:normal; font-weight:500; }

.float-card--approved{
  bottom:16%; right:-42px; display:flex; align-items:center; gap:13px; animation-delay:1.4s;
}
.float-card--approved .float-card__icon{
  width:40px; height:40px; border-radius:50%; display:grid; place-items:center;
  background:var(--grad-wpp); color:#fff; box-shadow:var(--sh-wpp);
}
.float-card--approved .ico{ width:20px; height:20px; }
.float-card--approved strong{ display:block; font-size:.9rem; color:var(--azul-escuro); }
.float-card--approved small{ font-size:.75rem; color:var(--cinza-escuro); }

.float-card--stars{ bottom:-22px; left:6%; text-align:center; animation-delay:2.6s; }
.float-card--stars small{ font-size:.75rem; color:var(--cinza-escuro); font-weight:500; }

.stars{ display:flex; gap:3px; justify-content:center; color:var(--dourado); margin-bottom:4px; }
.stars .ico{ width:15px; height:15px; fill:currentColor; }

/* ============================================================
   NÚMEROS
   ============================================================ */
.stats{ background:#fff; padding:0; position:relative; z-index:2; }
.stats__grid{
  display:grid; grid-template-columns:repeat(4,1fr);
  background:#fff;
  border:1px solid var(--cinza-borda);
  border-radius:var(--r-lg);
  box-shadow:var(--sh-md);
  margin-top:-58px;
  overflow:hidden;
}
.stat{ padding:34px 26px; text-align:center; position:relative; transition:background .3s; }
.stat + .stat::before{ content:''; position:absolute; left:0; top:22%; bottom:22%; width:1px; background:var(--cinza-borda); }
.stat:hover{ background:var(--cinza-claro); }
.stat__icon{
  display:inline-grid; place-items:center; width:50px; height:50px; margin-bottom:14px;
  border-radius:14px; background:rgba(181,138,46,.10); color:var(--dourado);
  transition:transform .4s var(--ease);
}
.stat:hover .stat__icon{ transform:translateY(-4px) scale(1.06); }
.stat__icon .ico{ width:24px; height:24px; }
.stat__num{ display:block; font-size:1.6rem; font-weight:700; color:var(--azul); letter-spacing:-.02em; line-height:1.2; }
.stat__label{ font-size:.84rem; color:var(--cinza-escuro); }

/* ============================================================
   SEÇÕES GENÉRICAS
   ============================================================ */
.section{ padding:110px 0; }
.section--alt{ background:var(--cinza-claro); }

.section__head{ text-align:center; max-width:720px; margin:0 auto 64px; }
.section__title{ font-size:clamp(1.75rem, 2.9vw, 2.6rem); font-weight:800; margin-bottom:16px; }
.section__sub{ font-size:1.02rem; color:var(--cinza-escuro); }

.cards-4{ display:grid; grid-template-columns:repeat(4,1fr); gap:26px; }
.cards-3{ display:grid; grid-template-columns:repeat(3,1fr); gap:26px; }

/* ---------- Convênios ---------- */
.conv{
  background:#fff; border:1px solid var(--cinza-borda);
  border-radius:var(--r-lg); padding:38px 30px 30px;
  position:relative; overflow:hidden;
  box-shadow:var(--sh-xs);
  transition:transform .45s var(--ease), box-shadow .45s var(--ease), border-color .35s;
}
.conv::before{
  content:''; position:absolute; inset:0 0 auto 0; height:4px;
  background:var(--grad-ouro); transform:scaleX(0); transform-origin:left;
  transition:transform .5s var(--ease);
}
.conv::after{
  content:''; position:absolute; width:180px; height:180px; border-radius:50%;
  background:radial-gradient(circle, rgba(181,138,46,.14), transparent 70%);
  top:-90px; right:-70px; opacity:0; transition:opacity .5s;
}
.conv:hover{ transform:translateY(-10px); box-shadow:var(--sh-lg); border-color:transparent; }
.conv:hover::before{ transform:scaleX(1); }
.conv:hover::after{ opacity:1; }

.conv__icon{
  position:relative; z-index:1;
  display:grid; place-items:center; width:62px; height:62px; margin-bottom:22px;
  border-radius:18px; background:var(--grad-azul); color:#fff;
  box-shadow:0 10px 22px rgba(35,63,107,.22);
  transition:transform .5s var(--ease), background .4s;
}
.conv:hover .conv__icon{ transform:rotate(-8deg) scale(1.06); background:var(--grad-ouro); box-shadow:var(--sh-gold); }
.conv__icon .ico{ width:28px; height:28px; }

.conv h3{ font-size:1.28rem; margin-bottom:10px; position:relative; z-index:1; }
.conv p{ font-size:.92rem; margin-bottom:22px; position:relative; z-index:1; }
.conv__link{
  display:inline-flex; align-items:center; gap:8px;
  font-size:.86rem; font-weight:600; color:var(--azul);
  position:relative; z-index:1;
  transition:color .3s, gap .3s var(--ease);
}
.conv__link .ico{ width:1.05em; height:1.05em; }
.conv__link:hover{ color:var(--dourado); gap:14px; }

/* ---------- Bancos ---------- */
.banks{ display:grid; grid-template-columns:repeat(5,1fr); gap:18px; }
.bank{
  display:flex; flex-direction:column; align-items:center; justify-content:center; gap:12px;
  min-height:130px; padding:22px 14px; text-align:center;
  background:#fff; border:1px solid var(--cinza-borda); border-radius:var(--r-md);
  box-shadow:var(--sh-xs);
  position:relative; overflow:hidden;
  transition:transform .4s var(--ease), box-shadow .4s var(--ease), border-color .3s;
}
.bank::before{
  content:''; position:absolute; inset:0;
  background:linear-gradient(160deg, rgba(35,63,107,.05), rgba(181,138,46,.07));
  opacity:0; transition:opacity .4s;
}
.bank__logo{
  position:relative; z-index:1;
  display:grid; place-items:center;
  width:52px; height:52px; border-radius:15px;
  background:var(--bc, var(--azul)); color:var(--tc, #fff);
  font-weight:700; font-size:1.18rem; line-height:1; letter-spacing:-.02em;
  box-shadow:0 6px 16px rgba(27,51,85,.12);
  transition:transform .4s var(--ease);
}
.bank__name{
  position:relative; z-index:1;
  font-weight:600; font-size:.9rem; color:var(--azul-escuro); letter-spacing:-.01em;
}
.bank:hover{ transform:translateY(-6px); box-shadow:var(--sh-md); border-color:rgba(181,138,46,.4); }
.bank:hover .bank__logo{ transform:scale(1.08) rotate(-4deg); }
.bank:hover::before{ opacity:1; }

.bank--more{ background:var(--grad-azul); border-color:transparent; }
.bank--more .bank__name{ color:#fff; }
.bank__logo--more{
  background:rgba(255,255,255,.14); color:#fff;
  border:1.5px dashed rgba(255,255,255,.5);
  box-shadow:none; font-size:1.5rem;
}
.bank--more::before{ display:none; }

/* ---------- Diferenciais ---------- */
.feat{
  background:#fff; border:1px solid var(--cinza-borda); border-radius:var(--r-lg);
  padding:36px 30px;
  box-shadow:var(--sh-xs);
  transition:transform .45s var(--ease), box-shadow .45s var(--ease), border-color .35s;
}
.feat:hover{ transform:translateY(-8px); box-shadow:var(--sh-md); border-color:rgba(35,63,107,.16); }
.feat__icon{
  display:grid; place-items:center; width:56px; height:56px; margin-bottom:20px;
  border-radius:16px;
  background:rgba(35,63,107,.07); color:var(--azul);
  transition:background .4s, color .4s, transform .5s var(--ease);
}
.feat:hover .feat__icon{ background:var(--grad-azul); color:#fff; transform:scale(1.07); box-shadow:0 10px 22px rgba(35,63,107,.24); }
.feat__icon .ico{ width:26px; height:26px; }
.feat h3{ font-size:1.14rem; margin-bottom:10px; }
.feat p{ font-size:.92rem; }

/* ---------- Como funciona ---------- */
.steps{
  display:grid; grid-template-columns:repeat(4,1fr); gap:26px;
  position:relative;
}
/* Linha tracejada ligando os 4 passos (alinhada ao centro dos círculos) */
.steps::before{
  content:''; position:absolute; top:1px; left:12%; right:12%; height:2px;
  background:repeating-linear-gradient(90deg, rgba(181,138,46,.45) 0 8px, transparent 8px 18px);
  z-index:0;
}
.step{
  position:relative; z-index:1;
  background:#fff; border:1px solid var(--cinza-borda); border-radius:var(--r-lg);
  padding:44px 26px 30px; text-align:center;
  box-shadow:var(--sh-xs);
  transition:transform .45s var(--ease), box-shadow .45s var(--ease);
}
.step:hover{ transform:translateY(-8px); box-shadow:var(--sh-md); }
.step__num{
  position:absolute; top:-20px; left:50%; transform:translateX(-50%);
  width:44px; height:44px; border-radius:50%;
  display:grid; place-items:center;
  font-weight:700; font-size:1.02rem; color:#fff;
  background:var(--grad-azul);
  border:4px solid var(--cinza-claro);
  box-shadow:0 8px 18px rgba(35,63,107,.24);
  transition:background .4s, transform .45s var(--ease);
}
.step:hover .step__num{ background:var(--grad-ouro); transform:translateX(-50%) scale(1.08); }
.step__icon{
  display:inline-grid; place-items:center; width:54px; height:54px; margin:8px 0 16px;
  border-radius:16px; background:rgba(181,138,46,.10); color:var(--dourado);
  transition:transform .5s var(--ease);
}
.step:hover .step__icon{ transform:translateY(-3px) scale(1.05); }
.step__icon .ico{ width:24px; height:24px; }
.step__icon .ico use[href="#i-whatsapp"]{ fill:currentColor; }
.step h3{ font-size:1.04rem; margin-bottom:9px; }
.step p{ font-size:.88rem; }

.steps__cta{ text-align:center; margin-top:56px; }

/* ---------- Depoimentos ---------- */
.carousel{ position:relative; }
.carousel__viewport{ overflow:hidden; padding:12px 4px 20px; }
.carousel__track{ display:flex; gap:26px; transition:transform .6s var(--ease); will-change:transform; }

.testi{
  flex:0 0 calc((100% - 52px) / 3);
  background:#fff; border:1px solid var(--cinza-borda); border-radius:var(--r-lg);
  padding:34px 30px; box-shadow:var(--sh-xs);
  display:flex; flex-direction:column; gap:16px;
  position:relative;
  transition:transform .4s var(--ease), box-shadow .4s var(--ease);
}
.testi::before{
  content:'“'; position:absolute; top:6px; right:24px;
  font-size:6rem; line-height:1; font-family:Georgia,serif;
  color:rgba(181,138,46,.12); pointer-events:none;
}
.testi:hover{ transform:translateY(-6px); box-shadow:var(--sh-md); }
.testi .stars{ justify-content:flex-start; }
.testi p{ font-size:.95rem; color:var(--cinza-escuro); flex:1; }
.testi footer{ display:flex; align-items:center; gap:13px; padding-top:14px; border-top:1px solid var(--cinza-borda); }
.avatar{
  width:44px; height:44px; border-radius:50%; flex:none;
  display:grid; place-items:center;
  background:var(--av, var(--azul)); color:#fff;
  font-size:.82rem; font-weight:600; letter-spacing:.02em;
}
.testi footer strong{ display:block; font-size:.92rem; color:var(--azul-escuro); }
.testi footer small{ font-size:.78rem; color:var(--cinza-escuro); }

.carousel__nav{ display:flex; align-items:center; justify-content:center; gap:20px; margin-top:26px; }
.carousel__btn{
  width:48px; height:48px; border-radius:50%; display:grid; place-items:center;
  background:#fff; border:1px solid var(--cinza-borda); color:var(--azul);
  box-shadow:var(--sh-xs);
  transition:transform .3s var(--ease), background .3s, color .3s, box-shadow .3s;
}
.carousel__btn .ico{ width:20px; height:20px; }
.carousel__btn:first-child .ico{ transform:rotate(90deg); }
.carousel__btn:last-child .ico{ transform:rotate(-90deg); }
.carousel__btn:hover{ background:var(--azul); color:#fff; transform:scale(1.07); box-shadow:var(--sh-sm); }
.carousel__btn:disabled{ opacity:.35; cursor:not-allowed; transform:none; }

.carousel__dots{ display:flex; gap:8px; }
.carousel__dots button{
  width:9px; height:9px; border-radius:var(--r-full); background:var(--cinza-borda);
  transition:width .4s var(--ease), background .3s;
}
.carousel__dots button.is-active{ width:30px; background:var(--grad-ouro); }

/* ============================================================
   CTA PRINCIPAL
   ============================================================ */
.cta{ position:relative; overflow:hidden; background:var(--grad-azul); color:#fff; padding:104px 0; }
.cta__bg{ position:absolute; inset:0; pointer-events:none; }
.cta__inner{ position:relative; z-index:1; text-align:center; max-width:800px; }
.cta h2{
  color:#fff; font-size:clamp(1.9rem, 3.4vw, 3rem); font-weight:800;
  margin-bottom:18px;
}
.cta p{ color:rgba(255,255,255,.80); font-size:1.05rem; max-width:600px; margin:0 auto 38px; }
.cta__note{ display:block; margin-top:22px; font-size:.82rem; color:rgba(255,255,255,.58); }

/* ============================================================
   FAQ
   ============================================================ */
.faq{ display:flex; flex-direction:column; gap:14px; }
.faq__item{
  background:#fff; border:1px solid var(--cinza-borda); border-radius:var(--r-md);
  box-shadow:var(--sh-xs);
  transition:box-shadow .35s, border-color .35s;
}
.faq__item.is-open{ border-color:rgba(181,138,46,.42); box-shadow:var(--sh-sm); }
.faq__q{
  width:100%; display:flex; align-items:center; justify-content:space-between; gap:20px;
  padding:22px 26px; text-align:left;
  font-size:1rem; font-weight:600; color:var(--azul-escuro);
  transition:color .25s;
}
.faq__q:hover{ color:var(--dourado); }
.faq__q .ico{ width:20px; height:20px; color:var(--dourado); transition:transform .4s var(--ease); }
.faq__item.is-open .faq__q .ico{ transform:rotate(180deg); }
.faq__a{ overflow:hidden; height:0; transition:height .4s var(--ease); }
.faq__a > div{ padding:0 26px 24px; }
.faq__a p{ font-size:.94rem; color:var(--cinza-escuro); }

.faq__foot{ text-align:center; margin-top:36px; font-size:.94rem; }
.faq__foot a{ color:var(--dourado); font-weight:600; border-bottom:1.5px solid transparent; transition:border-color .3s; }
.faq__foot a:hover{ border-bottom-color:var(--dourado); }

/* ============================================================
   RODAPÉ
   ============================================================ */
.footer{ background:var(--azul-escuro); color:rgba(255,255,255,.66); padding:84px 0 0; }
.footer__grid{
  display:grid; grid-template-columns:1.7fr 1fr 1fr 1.35fr; gap:48px;
  padding-bottom:56px;
}
.logo--footer{ margin-bottom:20px; }
.logo--footer .logo__text strong{
  background:linear-gradient(100deg, #fff 0%, #cfe0f2 40%, var(--dourado-claro) 100%);
  -webkit-background-clip:text; background-clip:text; -webkit-text-fill-color:transparent;
}
.logo--footer .logo__text small{ color:rgba(255,255,255,.55); }

.footer__brand p{ font-size:.9rem; max-width:400px; margin-bottom:26px; }

.socials{ display:flex; gap:11px; }
.socials a{
  width:42px; height:42px; border-radius:12px; display:grid; place-items:center;
  background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.10);
  color:rgba(255,255,255,.80);
  transition:transform .35s var(--ease), background .35s, color .35s, border-color .35s;
}
.socials .ico{ width:19px; height:19px; }
.socials a:first-child .ico{ fill:currentColor; }
.socials a:hover{ transform:translateY(-4px); background:var(--grad-ouro); color:#fff; border-color:transparent; }

.footer__col h4{ color:#fff; font-size:1rem; margin-bottom:22px; font-weight:600; }
.footer__col ul{ display:flex; flex-direction:column; gap:12px; }
.footer__col a{ font-size:.9rem; transition:color .25s, padding-left .3s var(--ease); }
.footer__col a:hover{ color:var(--dourado-claro); padding-left:6px; }

.footer__contact li{ display:flex; align-items:flex-start; gap:12px; font-size:.9rem; }
.footer__contact .ico{ width:18px; height:18px; color:var(--dourado); margin-top:4px; }
.footer__contact a:hover{ padding-left:0; }
.footer__wpp{ margin-top:24px; }

.footer__bottom{
  border-top:1px solid rgba(255,255,255,.10);
  padding:26px 24px 34px;
  display:flex; flex-wrap:wrap; align-items:center; justify-content:space-between; gap:14px;
  font-size:.8rem;
}
.footer__legal{ max-width:640px; color:rgba(255,255,255,.42); }

/* ============================================================
   WHATSAPP FLUTUANTE
   ============================================================ */
.wpp-float{
  position:fixed; right:24px; bottom:24px; z-index:99;
  width:62px; height:62px; border-radius:50%;
  display:grid; place-items:center;
  background:var(--grad-wpp); color:#fff;
  box-shadow:var(--sh-wpp);
  transition:transform .4s var(--ease), box-shadow .4s var(--ease);
}
.wpp-float .ico{ width:31px; height:31px; fill:currentColor; position:relative; z-index:2; }
.wpp-float:hover{ transform:scale(1.09) translateY(-3px); box-shadow:0 18px 44px rgba(37,211,102,.5); }

.wpp-float__ping{
  position:absolute; inset:0; border-radius:50%;
  background:var(--whatsapp); opacity:.6;
  animation:ping 2.4s cubic-bezier(0,0,.2,1) infinite;
  z-index:1;
}
@keyframes ping{ 70%,100%{ transform:scale(1.85); opacity:0; } }

.wpp-float__tip{
  position:absolute; right:calc(100% + 14px); top:50%; transform:translateY(-50%) translateX(8px);
  background:var(--azul-escuro); color:#fff;
  font-size:.8rem; font-weight:500; white-space:nowrap;
  padding:9px 15px; border-radius:var(--r-sm);
  box-shadow:var(--sh-sm);
  opacity:0; pointer-events:none;
  transition:opacity .3s, transform .35s var(--ease);
}
.wpp-float__tip::after{
  content:''; position:absolute; left:100%; top:50%; transform:translateY(-50%);
  border:6px solid transparent; border-left-color:var(--azul-escuro);
}
.wpp-float:hover .wpp-float__tip{ opacity:1; transform:translateY(-50%) translateX(0); }

/* ============================================================
   RESPONSIVO
   ============================================================ */
@media (max-width:1080px){
  .hero__inner{ gap:44px; }
  .float-card--rate{ left:-12px; }
  .float-card--approved{ right:-12px; }
  .cards-4{ grid-template-columns:repeat(2,1fr); }
  .cards-3{ grid-template-columns:repeat(2,1fr); }
  .banks{ grid-template-columns:repeat(4,1fr); }
  .steps{ grid-template-columns:repeat(2,1fr); row-gap:44px; }
  .steps::before{ display:none; }
  .testi{ flex:0 0 calc((100% - 26px) / 2); }
  .footer__grid{ grid-template-columns:1fr 1fr; gap:40px; }
}

@media (max-width:900px){
  .burger{ display:flex; }
  .nav{
    position:fixed; inset:var(--header-h) 0 auto 0;
    flex-direction:column; align-items:stretch; gap:0;
    background:#fff;
    border-bottom:1px solid var(--cinza-borda);
    box-shadow:var(--sh-md);
    padding:14px 24px 26px;
    clip-path:inset(0 0 100% 0);
    opacity:0; pointer-events:none;
    transition:clip-path .45s var(--ease), opacity .3s;
  }
  .nav.is-open{ clip-path:inset(0 0 0 0); opacity:1; pointer-events:auto; }
  .nav__list{ flex-direction:column; align-items:stretch; gap:0; }
  .nav__list li{ border-bottom:1px solid var(--cinza-borda); }
  .nav__link{ display:block; padding:16px 4px; font-size:1rem; }
  .nav__link::after{ display:none; }
  .nav__cta{ margin-top:20px; width:100%; }

  .hero{ padding-top:calc(var(--header-h) + 48px); padding-bottom:80px; }
  .hero__inner{ grid-template-columns:1fr; text-align:center; gap:64px; }
  .hero__text{ margin-inline:auto; }
  .hero__actions,.hero__trust{ justify-content:center; }
  /* width:100% é necessário: com margin auto, o grid item encolheria para 0 */
  .hero__visual{ width:100%; max-width:420px; margin-inline:auto; }

  .stats__grid{ grid-template-columns:repeat(2,1fr); margin-top:-40px; }
  .stat:nth-child(3)::before,
  .stat:nth-child(odd)::before{ display:none; }
  .stat:nth-child(even)::before{ display:block; }
  .stat:nth-child(3),.stat:nth-child(4){ border-top:1px solid var(--cinza-borda); }

  .section{ padding:84px 0; }
  .section__head{ margin-bottom:48px; }
  .banks{ grid-template-columns:repeat(3,1fr); }
  .footer{ padding-top:64px; }
  .footer__bottom{ flex-direction:column; text-align:center; }
}

@media (max-width:640px){
  .container{ padding-inline:18px; }
  .cards-4,.cards-3,.steps{ grid-template-columns:1fr; }
  .banks{ grid-template-columns:repeat(2,1fr); }
  .stats__grid{ grid-template-columns:1fr; }
  .stat + .stat::before{ display:none !important; }
  .stat + .stat{ border-top:1px solid var(--cinza-borda); }

  .hero__title{ font-size:2rem; }
  .hero__actions{ flex-direction:column; }
  .hero__actions .btn{ width:100%; }
  .hero__trust{ flex-direction:column; align-items:center; gap:10px; }

  .float-card--rate{ top:4%; left:-6px; padding:12px 16px; }
  .float-card--rate .float-card__value{ font-size:1.25rem; }
  .float-card--approved{ right:-6px; bottom:8%; padding:12px 14px; }
  .float-card--approved small{ display:none; }
  /* "+5.000 clientes" já aparece logo abaixo, na seção de números */
  .float-card--stars{ display:none; }

  .testi{ flex:0 0 100%; }
  .steps__cta .btn,.cta .btn{ width:100%; }
  .btn--xl{ padding:18px 28px; font-size:1rem; }

  .footer__grid{ grid-template-columns:1fr; gap:36px; }
  .wpp-float{ right:16px; bottom:16px; width:56px; height:56px; }
  .wpp-float .ico{ width:28px; height:28px; }
  .wpp-float__tip{ display:none; }
}

/* Acessibilidade — reduzir movimento */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{ animation-duration:.001ms !important; animation-iteration-count:1 !important; transition-duration:.001ms !important; scroll-behavior:auto !important; }
}