/* Credimóvel — design system estático */

:root {
  --radius: 0.5rem;
  --radius-card: 0.75rem;
  --radius-mock: 0.75rem;
  --radius-pill: 999px;
  --background: #e8eefc;
  --foreground: var(--brand-navy, #0a1f44);
  --primary: var(--brand-credi, #1447e6);
  --primary-foreground: #ffffff;
  --muted: #f1f5f9;
  --muted-foreground: #3b4b6b;
  --border: #e2e8f0;
  --input: #cbd5e1;
  --surface: #ffffff;
  --notice-foreground: #334155;
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: "Inter", -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono: "JetBrains Mono", "Fira Code", ui-monospace, monospace;
  /* Paleta oficial — BRAND GUIDELINES / BRAND.md */
  --brand-credi: #1447e6;
  --brand-navy: #0a1f44;
  --brand-sky: #5b87f0;
  --brand-gold: #c8a126;
  --brand-teal: #0fbf8c;
  --brand-ice: #e8eefc;
  --band-a: #ffffff;
  --band-b: var(--brand-ice);
  --hd-accent: var(--brand-credi);
  --hd-accent-2: var(--brand-sky);
  --text-mega: clamp(2.25rem, 4.5vw, 4rem);
  --text-giga: clamp(2.75rem, 7vw, 5rem);
  --text-display: clamp(1.75rem, 3.2vw, 2.75rem);
  --max: 80rem;
  --shadow-card: 0 12px 32px -8px rgba(10, 31, 68, 0.08);
  --shadow-hover: 0 20px 40px -12px rgba(20, 71, 230, 0.18);
  --motion-ease: cubic-bezier(0.16, 1, 0.3, 1);
  --motion-duration: 300ms;
  color-scheme: light dark;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  border-color: var(--border);
}

:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 3px;
}

html {
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  min-height: 100vh;
  background: var(--background);
  color: var(--foreground);
  font-family: var(--font-sans);
  -webkit-font-smoothing: antialiased;
  transition: background-color 0.35s ease, color 0.35s ease;
}

body[data-theme="light"] {
  color-scheme: light;
}

body[data-theme="dark"] {
  color-scheme: dark;
}

h1,
h2,
h3,
h4 {
  font-family: var(--font-display);
  letter-spacing: -0.02em;
  margin: 0;
}

p {
  margin: 0;
}

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

ul,
ol {
  margin: 0;
  padding: 0;
  list-style: none;
}

button,
input {
  font: inherit;
  color: inherit;
}

button {
  cursor: pointer;
  background: none;
  border: 0;
  padding: 0;
}

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

::selection {
  background: var(--foreground);
  color: var(--background);
}

.site-shell {
  display: flex;
  min-height: 100vh;
  flex-direction: column;
}

.site-main {
  flex: 1;
}

/* Typography */
.type-mega {
  font-family: var(--font-display);
  font-size: var(--text-mega);
  line-height: 1.04;
  letter-spacing: -0.02em;
  font-weight: 500;
}

.type-giga {
  font-family: var(--font-display);
  font-size: var(--text-giga);
  line-height: 1.04;
  letter-spacing: -0.02em;
  font-weight: 500;
}

.type-display {
  font-family: var(--font-display);
  font-size: var(--text-display);
  line-height: 1.08;
  letter-spacing: -0.02em;
  font-weight: 500;
}

.label-mono {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  line-height: 1.2;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.font-display {
  font-family: var(--font-display);
}

.band-invert {
  background-color: var(--brand-navy);
  color: #f4f7ff;
}

.band-invert ::selection {
  background: var(--brand-sky);
  color: var(--brand-navy);
}

.rule-hover {
  position: relative;
}

.rule-hover::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -0.15em;
  height: 1px;
  width: 100%;
  background: currentColor;
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 180ms linear;
}

.rule-hover:hover::after,
.rule-hover:focus-visible::after {
  transform: scaleX(1);
}

@keyframes marquee-x {
  from {
    transform: translateX(0);
  }
  to {
    transform: translateX(-50%);
  }
}

.marquee-track {
  display: flex;
  width: max-content;
  animation: marquee-x 38s linear infinite;
}

@media (prefers-reduced-motion: reduce) {
  .marquee-track {
    animation: none;
  }

  .reveal {
    opacity: 1 !important;
    transform: none !important;
  }

  .split-word {
    transform: none !important;
  }
}

/* Layout helpers */
.container {
  width: 100%;
  max-width: var(--max);
  margin-inline: auto;
  padding-inline: 1.25rem;
}

@media (min-width: 768px) {
  .container {
    padding-inline: 2rem;
  }
}

.section {
  border-bottom: 1px solid color-mix(in srgb, var(--border) 50%, transparent);
}

.section--muted {
  background: var(--band-b, var(--surface));
}

.section--band-a {
  background: var(--band-a, #ffffff);
}

.section--band-b {
  background: var(--band-b, var(--brand-ice));
}

.section--invert {
  border-bottom: 0;
}

.section__inner {
  padding-block: 4rem;
}

@media (min-width: 768px) {
  .section__inner {
    padding-block: 6rem;
  }
}

.section__inner--tight {
  padding-block: 3rem;
}

@media (min-width: 768px) {
  .section__inner--tight {
    padding-block: 4rem;
  }
}

.section__inner--loose {
  padding-block: 5rem;
}

@media (min-width: 768px) {
  .section__inner--loose {
    padding-block: 7rem;
  }
}

.section__inner--hero-cta {
  padding-block: 6rem;
}

@media (min-width: 768px) {
  .section__inner--hero-cta {
    padding-block: 8rem;
  }
}

.text-muted {
  color: var(--muted-foreground);
}

.text-notice {
  color: var(--notice-foreground);
}

.text-sm {
  font-size: 0.875rem;
  line-height: 1.625;
}

.text-base {
  font-size: 1rem;
  line-height: 1.625;
}

.text-lg {
  font-size: 1.125rem;
}

.text-xl {
  font-size: 1.25rem;
  line-height: 1.25;
}

.text-2xl {
  font-size: 1.5rem;
  line-height: 1.25;
}

.leading-relaxed {
  line-height: 1.625;
}

.max-w-md {
  max-width: 28rem;
}

.max-w-xl {
  max-width: 36rem;
}

.max-w-3xl {
  max-width: 48rem;
}

.max-ch-12 {
  max-width: 12ch;
}

.max-ch-14 {
  max-width: 14ch;
}

.max-ch-16 {
  max-width: 16ch;
}

.max-ch-18 {
  max-width: 18ch;
}

.max-ch-20 {
  max-width: 20ch;
}

.mt-2 {
  margin-top: 0.5rem;
}
.mt-3 {
  margin-top: 0.75rem;
}
.mt-4 {
  margin-top: 1rem;
}
.mt-5 {
  margin-top: 1.25rem;
}
.mt-6 {
  margin-top: 1.5rem;
}
.mt-8 {
  margin-top: 2rem;
}
.mt-10 {
  margin-top: 2.5rem;
}
.mt-12 {
  margin-top: 3rem;
}
.mt-14 {
  margin-top: 3.5rem;
}
.mt-16 {
  margin-top: 4rem;
}
.mb-4 {
  margin-top: 0;
  margin-bottom: 1rem;
}
.mb-6 {
  margin-bottom: 1.5rem;
}

.space-y-2 > * + * {
  margin-top: 0.5rem;
}
.space-y-3 > * + * {
  margin-top: 0.75rem;
}
.space-y-4 > * + * {
  margin-top: 1rem;
}
.space-y-12 > * + * {
  margin-top: 3rem;
}

.flex {
  display: flex;
}
.flex-wrap {
  flex-wrap: wrap;
}
.flex-col {
  flex-direction: column;
}
.items-center {
  align-items: center;
}
.items-baseline {
  align-items: baseline;
}
.items-end {
  align-items: flex-end;
}
.items-start {
  align-items: flex-start;
}
.justify-between {
  justify-content: space-between;
}
.gap-2 {
  gap: 0.5rem;
}
.gap-3 {
  gap: 0.75rem;
}
.gap-4 {
  gap: 1rem;
}
.gap-5 {
  gap: 1.25rem;
}
.gap-6 {
  gap: 1.5rem;
}
.gap-8 {
  gap: 2rem;
}
.gap-10 {
  gap: 2.5rem;
}

.grid {
  display: grid;
}

.border-t {
  border-top: 1px solid var(--border);
}
.border-b {
  border-bottom: 1px solid var(--border);
}
.border-y {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.divide-y > * + * {
  border-top: 1px solid var(--border);
}

.opacity-50 {
  opacity: 0.5;
}
.opacity-60 {
  opacity: 0.6;
}
.opacity-70 {
  opacity: 0.7;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.break-all {
  word-break: break-all;
}

.hidden {
  display: none;
}

.block {
  display: block;
}

.inline-block {
  display: inline-block;
}

@media (min-width: 640px) {
  .sm\:inline-flex {
    display: inline-flex;
  }
  .sm\:grid-cols-2 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .sm\:block {
    display: block;
  }
}

@media (min-width: 768px) {
  .md\:block {
    display: block;
  }
  .md\:flex-row {
    flex-direction: row;
  }
  .md\:items-end {
    align-items: flex-end;
  }
  .md\:items-baseline {
    align-items: baseline;
  }
  .md\:justify-between {
    justify-content: space-between;
  }
  .md\:grid-cols-4 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
  .md\:grid-cols-12 {
    grid-template-columns: repeat(12, minmax(0, 1fr));
  }
  .md\:grid-cols-split {
    grid-template-columns: 1fr 1.2fr;
  }
  .md\:grid-cols-split-wide {
    grid-template-columns: 1fr 1.4fr;
  }
  .md\:grid-cols-docs {
    grid-template-columns: 12rem 1fr;
  }
  .md\:grid-cols-step {
    grid-template-columns: 8rem 1fr;
  }
  .md\:grid-cols-invert {
    grid-template-columns: 4rem 1fr 20rem;
  }
  .md\:col-span-1 {
    grid-column: span 1;
  }
  .md\:col-span-3 {
    grid-column: span 3;
  }
  .md\:col-span-4 {
    grid-column: span 4;
  }
  .md\:col-span-5 {
    grid-column: span 5;
  }
  .md\:col-span-7 {
    grid-column: span 7;
  }
  .md\:col-start-6 {
    grid-column-start: 6;
  }
  .md\:col-end-12 {
    grid-column-end: 12;
  }
  .md\:col-start-7 {
    grid-column-start: 7;
  }
  .md\:col-end-13 {
    grid-column-end: 13;
  }
  .md\:col-start-9 {
    grid-column-start: 9;
  }
  .md\:gap-8 {
    gap: 2rem;
  }
  .md\:gap-10 {
    gap: 2.5rem;
  }
  .md\:gap-12 {
    gap: 3rem;
  }
  .md\:text-base {
    font-size: 1rem;
    line-height: 1.625;
  }
  .md\:text-lg {
    font-size: 1.125rem;
    line-height: 1.625;
  }
  .md\:text-2xl {
    font-size: 1.5rem;
    line-height: 1.25;
  }
  .md\:py-16 {
    padding-block: 4rem;
  }
}

@media (min-width: 1024px) {
  .lg\:block {
    display: block;
  }
  .lg\:hidden {
    display: none !important;
  }
  .lg\:grid-cols-3 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
  .lg\:grid-cols-4 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

@media (min-width: 1280px) {
  .xl\:gap-7 {
    gap: 1.75rem;
  }
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid var(--border);
  background: color-mix(in oklab, var(--background) 92%, transparent);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  transition:
    background 300ms cubic-bezier(0.16, 1, 0.3, 1),
    border-color 300ms ease,
    box-shadow 300ms ease;
}

.site-header.is-open {
  background: var(--background);
  color: var(--foreground);
  border-color: var(--border);
}

.site-header__bar {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
  transition: padding-block 220ms cubic-bezier(0.16, 1, 0.3, 1);
  padding-block: 1.1rem;
}

@media (min-width: 1100px) {
  .site-header__bar {
    display: grid;
    grid-template-columns: auto minmax(0, 1fr) auto;
    align-items: center;
    gap: 1rem;
  }

  .header-left {
    grid-column: 1;
  }

  .nav-desktop {
    grid-column: 2;
    justify-self: center;
  }

  .header-actions {
    grid-column: 3;
    justify-self: end;
  }
}

.site-header.is-compact .site-header__bar {
  padding-block: 0.7rem;
}

.header-left {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  min-width: 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 600;
  letter-spacing: -0.03em;
  text-transform: none;
  transition:
    font-size 300ms cubic-bezier(0.16, 1, 0.3, 1),
    gap 300ms ease;
}

.brand__logo {
  display: inline-flex;
  align-items: center;
  line-height: 0;
}

.brand__logo-img {
  display: block;
  height: 1.5rem;
  width: auto;
  max-width: min(9.25rem, 48vw);
  object-fit: contain;
  transition: height 240ms ease, max-width 240ms ease;
}

.brand__logo-img--dark {
  display: none;
}

.site-header.is-compact .brand__logo-img {
  height: 1.25rem;
  max-width: min(7.75rem, 44vw);
}

/* Tema escuro da home: logotipo negativo (branco) */
html[data-theme-boot="dark"] body .brand__logo-img--light,
body[data-theme="dark"] .brand__logo-img--light {
  display: none;
}

html[data-theme-boot="dark"] body .brand__logo-img--dark,
body[data-theme="dark"] .brand__logo-img--dark {
  display: block;
}

.brand__logo--hero {
  display: block;
  margin: 0;
}

.brand__logo--hero .brand__logo-img {
  height: clamp(2.6rem, 6.2vw, 4.35rem);
  max-width: min(28rem, 92vw);
}

.site-header.is-compact .brand {
  font-size: 1rem;
  gap: 0.4rem;
}

.brand > span:not(.brand__mark) {
  color: var(--muted-foreground);
}

.brand__mark {
  display: inline-flex;
  line-height: 0;
}

.brand-mark {
  width: 1.7rem;
  height: auto;
  aspect-ratio: 254.59 / 220.49;
  flex-shrink: 0;
  color: var(--brand-credi, #1447e6);
  transition:
    width 240ms ease,
    height 240ms ease;
}

.site-header.is-compact .brand-mark {
  width: 1.35rem;
  height: auto;
}

.site-header.is-open .brand > span:not(.brand__mark) {
  color: var(--muted-foreground);
}

.nav-desktop {
  display: none;
  flex: 1;
  justify-content: center;
  align-self: stretch;
  min-width: 0;
}

@media (min-width: 1100px) {
  .nav-desktop {
    display: flex;
    width: 100%;
    max-width: 72rem;
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    overflow: visible;
    transition: opacity 160ms ease, visibility 160ms linear;
  }

  .site-header.is-compact .nav-desktop {
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
  }
}

.nav-desktop > ul {
  display: flex;
  align-items: stretch;
  gap: 0.35rem;
  height: 100%;
  margin: 0;
  padding: 0;
  list-style: none;
}

@media (min-width: 1280px) {
  .nav-desktop > ul {
    gap: 0.55rem;
  }
}

.nav-desktop > ul > li {
  position: static;
  display: flex;
  align-items: center;
}

.nav-desktop > ul > li.has-mega:hover > .nav-link,
.nav-desktop > ul > li.has-mega:focus-within > .nav-link {
  color: var(--foreground);
  background: color-mix(in srgb, var(--foreground) 6%, transparent);
}

.nav-link {
  white-space: nowrap;
  font-family: var(--font-sans, inherit);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: var(--muted-foreground);
  padding: 0.85rem 0.85rem;
  border-radius: 0.55rem;
  transition: color 0.2s ease, background 0.2s ease;
}

.nav-link:hover,
.nav-link.is-active,
.nav-desktop > ul > li:hover > .nav-link,
.nav-desktop > ul > li:focus-within > .nav-link {
  color: var(--foreground);
}

/* Mega menu — largura total da barra do header */
.nav-dropdown {
  visibility: hidden;
  opacity: 0;
  pointer-events: none;
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  z-index: 120;
  width: auto;
  min-width: 0;
  border: 0;
  border-radius: 0;
  background: transparent;
  color: var(--foreground);
  box-shadow: none;
  overflow: visible;
  padding: 0;
  transform: translateY(8px);
  transition:
    opacity 180ms ease,
    transform 180ms ease,
    visibility 180ms;
}

/* Ponte de hover: evita fechar ao descer do link para o painel */
.nav-dropdown::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: -1.25rem;
  height: 1.25rem;
}

.nav-desktop > ul > li:hover .nav-dropdown,
.nav-desktop > ul > li:focus-within .nav-dropdown {
  visibility: visible;
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}

.nav-dropdown__panel {
  display: grid;
  gap: 1.5rem;
  padding: 1.75rem 1.15rem 1.85rem;
  border: 1px solid var(--border);
  border-radius: 0 0 0.75rem 0.75rem;
  background: var(--surface);
  color: var(--foreground);
  box-shadow: 0 28px 60px -28px color-mix(in srgb, var(--brand-navy) 35%, transparent);
}

@media (min-width: 1100px) {
  .nav-dropdown__panel {
    grid-template-columns: minmax(12rem, 0.85fr) 2.4fr;
    gap: 2rem;
    align-items: start;
    padding: 2rem 1.35rem 2.15rem;
  }
}

.nav-dropdown__intro {
  display: grid;
  gap: 0.65rem;
  padding: 0.35rem 0.85rem 0;
}

.nav-dropdown__eyebrow {
  margin: 0;
  font-family: var(--font-display, inherit);
  font-size: 1.55rem;
  font-weight: 600;
  letter-spacing: -0.03em;
  line-height: 1.15;
  color: var(--foreground);
}

.nav-dropdown__overview {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  width: fit-content;
  font-size: 1rem;
  font-weight: 600;
  color: var(--muted-foreground);
}

.nav-dropdown__overview:hover {
  color: var(--foreground);
}

.nav-dropdown__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(15.5rem, 1fr));
  gap: 0.75rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

@media (min-width: 1280px) {
  .nav-dropdown__grid {
    grid-template-columns: repeat(auto-fit, minmax(17rem, 1fr));
    gap: 0.9rem;
  }
}

.nav-dropdown__card {
  display: grid;
  grid-template-columns: 2.4rem 1fr;
  gap: 0.85rem 1rem;
  align-items: start;
  min-height: 6.5rem;
  height: 100%;
  padding: 1.25rem 1.3rem;
  border: 1px solid var(--border);
  border-radius: 0.95rem;
  background: color-mix(in oklab, var(--surface, var(--background)) 88%, transparent);
  transition:
    background 160ms ease,
    border-color 160ms ease,
    transform 160ms ease;
}

.nav-dropdown__card:hover {
  background: var(--primary);
  border-color: transparent;
  color: var(--primary-foreground);
  transform: translateY(-1px);
}

.nav-dropdown__index {
  font-family: var(--font-display, inherit);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  opacity: 0.5;
  font-variant-numeric: tabular-nums;
  padding-top: 0.2rem;
}

.nav-dropdown__copy {
  display: grid;
  gap: 0.4rem;
  min-width: 0;
}

.nav-dropdown__label {
  display: block;
  font-size: 1.2rem;
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.25;
}

.nav-dropdown__desc {
  display: block;
  font-size: 1rem;
  opacity: 0.72;
  line-height: 1.5;
}

.nav-dropdown__card:hover .nav-dropdown__desc {
  opacity: 0.9;
}

.header-actions {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.55rem;
  margin-left: auto;
  min-width: 0;
}

.btn-header-ghost {
  display: none;
  align-items: center;
  gap: 0.35rem;
  padding: 0.55rem 0.35rem;
  border: 0;
  background: transparent;
  color: var(--foreground);
  font-size: 0.88rem;
  font-weight: 600;
  line-height: 1.2;
  white-space: nowrap;
  transition: color 160ms ease, opacity 160ms ease;
}

.btn-header-ghost__icon {
  width: 0.95rem;
  height: 0.95rem;
  flex: 0 0 auto;
}

.btn-header-ghost:hover {
  color: var(--brand-credi);
}

.theme-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.65rem;
  width: 2.55rem;
  height: 2.55rem;
  border: 1px solid var(--border);
  border-radius: 0.7rem;
  background: color-mix(in oklab, var(--surface) 80%, transparent);
  color: var(--foreground);
  transition:
    background 180ms ease,
    border-color 180ms ease,
    transform 180ms ease,
    color 180ms ease;
}

.theme-toggle__label {
  display: none;
}

.theme-toggle:hover {
  border-color: color-mix(in oklab, var(--hd-accent) 45%, var(--border));
  color: var(--hd-accent-2);
  transform: translateY(-1px);
}

.theme-toggle svg {
  width: 1.15rem;
  height: 1.15rem;
}

.theme-toggle__icon {
  display: none;
}

html[data-theme-boot="light"] body .theme-toggle__moon,
body[data-theme="light"] .theme-toggle__moon {
  display: block;
}

html[data-theme-boot="dark"] body .theme-toggle__sun,
body[data-theme="dark"] .theme-toggle__sun {
  display: block;
}

.site-header.is-compact .theme-toggle {
  width: 2.25rem;
  height: 2.25rem;
}

.btn-cta {
  display: inline-flex;
  align-items: center;
  white-space: nowrap;
  background: var(--brand-credi);
  color: #ffffff;
  padding: 0.7rem 1rem;
  font-size: 0.82rem;
  font-weight: 600;
  border-radius: 0.55rem;
  transition:
    transform 180ms ease,
    box-shadow 180ms ease,
    background 180ms ease,
    padding 240ms ease,
    font-size 240ms ease;
}

.btn-cta:hover {
  background: color-mix(in srgb, var(--brand-credi) 88%, var(--brand-navy));
  color: #ffffff;
  box-shadow: 0 10px 24px -12px color-mix(in srgb, var(--brand-credi) 70%, transparent);
}

.site-header.is-compact .btn-cta {
  padding: 0.55rem 0.85rem;
  font-size: 0.78rem;
}

.site-header.is-open .btn-cta {
  background: var(--brand-credi);
  color: #ffffff;
}

@media (min-width: 640px) {
  .btn-header-ghost {
    display: inline-flex;
  }

  .btn-cta {
    font-size: 0.9rem;
    padding: 0.8rem 1.15rem;
  }
}

@media (min-width: 1100px) {
  .header-actions {
    gap: 0.85rem;
  }

  .btn-header-ghost {
    font-size: 0.92rem;
  }
}

.menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.65rem;
  height: 2.65rem;
  padding: 0;
  border: 1px solid var(--border);
  border-radius: 0.5rem;
  color: var(--foreground);
  background: transparent;
  transition:
    opacity 180ms ease,
    visibility 180ms ease,
    width 180ms ease,
    height 180ms ease,
    border-color 180ms ease,
    background 0.2s ease;
}

.menu-toggle__bars {
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  gap: 0.22rem;
  width: 1.05rem;
}

.menu-toggle__bars span {
  display: block;
  height: 1.5px;
  width: 100%;
  background: currentColor;
  transition: transform 200ms ease, opacity 200ms ease;
}

.site-header.is-open .menu-toggle__bars span:nth-child(1) {
  transform: translateY(5px) rotate(45deg);
}
.site-header.is-open .menu-toggle__bars span:nth-child(2) {
  opacity: 0;
}
.site-header.is-open .menu-toggle__bars span:nth-child(3) {
  transform: translateY(-5px) rotate(-45deg);
}

/* Mobile: sempre hambúrguer. Desktop: só após a 1ª dobra (.is-compact) */
@media (min-width: 1100px) {
  .menu-toggle {
    width: 0;
    height: 2.4rem;
    opacity: 0;
    visibility: hidden;
    padding: 0;
    margin: 0;
    border-color: transparent;
    overflow: hidden;
    pointer-events: none;
  }

  .site-header.is-compact .menu-toggle {
    width: 2.4rem;
    height: 2.4rem;
    opacity: 1;
    visibility: visible;
    border-color: var(--border);
    pointer-events: auto;
  }
}

/* Panel nav (hamburger drill-down) */
.panel-nav {
  display: none;
  position: fixed;
  inset: 0;
  top: 0;
  z-index: 40;
  padding-top: 5.25rem;
  overflow: hidden;
  background: var(--background);
  color: var(--foreground);
}

.panel-nav.is-open {
  display: block;
}

.site-header.is-compact + .panel-nav,
.site-header.is-open + .panel-nav {
  padding-top: 4.25rem;
}

.panel-nav__inner {
  height: calc(100dvh - 5.25rem);
  height: calc(100vh - 5.25rem);
  padding-block: 0.75rem 1rem;
}

.panel-nav__viewport {
  position: relative;
  height: 100%;
  overflow: hidden;
}

.panel-nav__track {
  position: relative;
  height: 100%;
  width: 100%;
}

.panel-nav__panel {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  overflow-y: auto;
  padding-right: 0.25rem;
  background: var(--background);
  transform: translateX(100%);
  opacity: 0;
  pointer-events: none;
  transition:
    transform 340ms cubic-bezier(0.16, 1, 0.3, 1),
    opacity 240ms ease;
}

.panel-nav__panel[data-panel="root"] {
  transform: translateX(0);
  opacity: 1;
  pointer-events: auto;
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

.panel-nav__panel[data-panel="root"] .panel-nav__list {
  flex: 1 1 auto;
  min-height: 0;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}

.panel-nav__panel[data-panel="root"].is-behind {
  transform: translateX(-28%);
  opacity: 0.35;
  pointer-events: none;
}

.panel-nav__panel.is-active {
  transform: translateX(0);
  opacity: 1;
  pointer-events: auto;
  z-index: 2;
}

.panel-nav__list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.panel-nav__list > li {
  border-bottom: 1px solid var(--border);
}

.panel-nav__item,
.panel-nav__link,
.panel-nav__overview,
.panel-nav__back {
  display: flex;
  width: 100%;
  align-items: center;
  gap: 0.75rem;
  text-align: left;
  color: inherit;
  background: none;
  border: 0;
  padding: 0.95rem 0.15rem;
  cursor: pointer;
  font: inherit;
}

.panel-nav__item-label,
.panel-nav__panel-title {
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 3.8vw, 2rem);
  font-weight: 600;
  letter-spacing: -0.03em;
  line-height: 1.1;
}

.panel-nav__panel-title {
  margin: 0.5rem 0 0.75rem;
}

.panel-nav__index {
  font-size: 0.9rem;
  opacity: 0.45;
  min-width: 1.75rem;
}

.panel-nav__chevron {
  margin-left: auto;
  font-size: 1.25rem;
  opacity: 0.55;
}

.panel-nav__back {
  font-size: 1rem;
  font-weight: 600;
  color: var(--muted-foreground);
  padding-top: 0.25rem;
  padding-bottom: 0.75rem;
}

.panel-nav__overview {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--muted-foreground);
  border-bottom: 1px solid var(--border);
  padding-block: 1rem;
}

.panel-nav__link-label {
  display: block;
  font-size: 1.2rem;
  font-weight: 600;
}

.panel-nav__link-desc {
  display: block;
  margin-top: 0.3rem;
  font-size: 0.92rem;
  line-height: 1.45;
  color: var(--muted-foreground);
}

.panel-nav__cta {
  display: none;
}

.panel-nav__actions {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.35rem;
  margin-top: 0.45rem;
  padding-top: 0.45rem;
  border-top: 1px solid var(--border);
  flex: 0 0 auto;
  align-items: stretch;
}

.panel-nav__actions .panel-nav__action,
.panel-nav__actions .theme-toggle.panel-nav__action,
.panel-nav__actions .theme-toggle {
  display: flex !important;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.12rem;
  aspect-ratio: unset !important;
  width: 100% !important;
  min-width: 0 !important;
  max-width: none !important;
  height: 2.6rem !important;
  min-height: 2.6rem !important;
  max-height: 2.6rem !important;
  padding: 0.2rem 0.2rem !important;
  border: 1px solid var(--border);
  border-radius: 0.45rem;
  background: color-mix(in srgb, var(--surface) 88%, transparent);
  color: var(--foreground);
  font-size: 0.72rem !important;
  font-weight: 600;
  line-height: 1.05;
  letter-spacing: -0.01em;
  text-align: center;
  text-decoration: none;
  transform: none !important;
  box-sizing: border-box;
  white-space: nowrap;
}

.panel-nav__action-icon {
  width: 0.85rem !important;
  height: 0.85rem !important;
  flex: 0 0 auto;
}

.panel-nav__action--primary {
  background: var(--brand-credi) !important;
  border-color: var(--brand-credi) !important;
  color: #ffffff !important;
}

.panel-nav__action--primary:hover {
  background: color-mix(in srgb, var(--brand-credi) 88%, var(--brand-navy)) !important;
  color: #ffffff !important;
}

.panel-nav__actions .theme-toggle.panel-nav__action {
  justify-content: center;
  width: 100% !important;
  height: 2.6rem !important;
  min-height: 2.6rem !important;
  max-height: 2.6rem !important;
}

.panel-nav__actions .theme-toggle__label {
  display: block !important;
  font-size: 0.72rem !important;
  font-weight: 600;
}

.panel-nav__actions .theme-toggle svg {
  width: 0.85rem !important;
  height: 0.85rem !important;
}

.panel-nav__link-ghost {
  display: none;
}

/* Buttons / CTAs */
.cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 1rem 1.5rem;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  text-transform: none;
  line-height: 1.2;
  border-radius: var(--radius-card, 0.5rem);
  white-space: nowrap;
}

.cta--solid {
  background: var(--primary);
  color: var(--primary-foreground);
}

.cta--solid:hover {
  background: var(--background);
  color: var(--foreground);
  box-shadow: inset 0 0 0 1px var(--foreground);
}

.cta--outline {
  box-shadow: inset 0 0 0 1px var(--border);
}

.cta--outline:hover {
  background: var(--primary);
  color: var(--primary-foreground);
}

.cta--quiet {
  padding: 0.25rem 0;
}

.cta--invert {
  background: #ffffff;
  color: var(--brand-navy, #0a1f44);
  font-weight: 700;
}

.cta--invert:hover {
  background: transparent;
  color: #ffffff;
  box-shadow: inset 0 0 0 1px #ffffff;
}

.band-invert .cta--invert {
  background: #ffffff;
  color: var(--brand-navy, #0a1f44);
  font-weight: 700;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--primary);
  color: var(--primary-foreground);
  padding: 1rem 1.5rem;
}

.btn-primary:hover:not(:disabled) {
  background: var(--background);
  color: var(--foreground);
  box-shadow: inset 0 0 0 1px var(--foreground);
}

.btn-primary:disabled,
.btn-ghost:disabled {
  opacity: 0.3;
  cursor: not-allowed;
}

.btn-ghost {
  color: var(--muted-foreground);
}

/* Eyebrow */
.eyebrow {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  margin-bottom: 1.5rem;
  color: var(--hd-accent-2, var(--muted-foreground));
}

.eyebrow__mark {
  display: inline-flex;
  line-height: 0;
  color: var(--hd-accent, var(--brand-credi));
}

.eyebrow__rule {
  display: block;
  height: 1px;
  width: 2rem;
  background: var(--hd-accent, var(--brand-credi));
}

/* Cards / stats / steps */
.card-grid {
  display: grid;
  border-top: 1px solid var(--border);
}

@media (min-width: 640px) {
  .card-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .card-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.card-grid__item {
  border-bottom: 1px solid var(--border);
  padding: 2rem 2rem 2rem 0;
  transition:
    background 180ms ease,
    border-color 180ms ease;
}

.card-grid__item:hover {
  background: color-mix(in srgb, var(--hd-accent-soft, transparent) 80%, transparent);
}

.card-grid__item a.rule-hover {
  color: var(--hd-accent-2, var(--brand-credi));
}

@media (min-width: 640px) {
  .card-grid__item {
    border-right: 1px solid var(--border);
    padding-left: 2rem;
  }
  .card-grid__item:nth-child(2n + 1) {
    padding-left: 0;
  }
}

@media (min-width: 1024px) {
  .card-grid__item:nth-child(2n + 1) {
    padding-left: 2rem;
  }
  .card-grid__item:nth-child(3n + 1) {
    padding-left: 0;
  }
  .card-grid__item:nth-child(3n) {
    border-right: 0;
  }
}

.stat-row {
  display: grid;
  border-top: 1px solid var(--border);
}

@media (min-width: 640px) {
  .stat-row {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .stat-row {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.stat-row__item {
  border-bottom: 1px solid var(--border);
  padding: 1.5rem 1.5rem 1.5rem 0;
}

@media (min-width: 640px) {
  .stat-row__item {
    border-right: 1px solid var(--border);
    padding-left: 1.5rem;
  }
  .stat-row__item:nth-child(2n + 1) {
    padding-left: 0;
  }
}

@media (min-width: 1024px) {
  .stat-row__item:nth-child(2n + 1) {
    padding-left: 1.5rem;
  }
  .stat-row__item:first-child {
    padding-left: 0;
  }
  .stat-row__item:last-child {
    border-right: 0;
  }
}

.stat-row__label {
  margin-top: 0.75rem;
  max-width: 18ch;
  font-size: 0.75rem;
  line-height: 1.625;
  color: var(--muted-foreground);
}

.step-list {
  border-top: 1px solid var(--border);
}

.step-list__item {
  display: grid;
  gap: 0.75rem;
  border-bottom: 1px solid var(--border);
  padding-block: 2rem;
}

@media (min-width: 768px) {
  .step-list__item {
    grid-template-columns: 8rem 1fr;
    gap: 2.5rem;
  }
}

.bullet-list li {
  display: flex;
  gap: 0.75rem;
  font-size: 0.875rem;
  line-height: 1.625;
  color: var(--muted-foreground);
}

.bullet-list li + li {
  margin-top: 0.75rem;
}

.bullet-list__mark {
  margin-top: 0.5rem;
  height: 0.25rem;
  width: 1rem;
  flex-shrink: 0;
  background: var(--foreground);
}

.docs-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.875rem;
}

.docs-table th,
.docs-table td {
  border-bottom: 1px solid var(--border);
  padding: 1.5rem 1.5rem 1.5rem 0;
  vertical-align: top;
}

.notice-block {
  display: grid;
  gap: 1.5rem;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding-block: 2rem;
}

@media (min-width: 768px) {
  .notice-block {
    grid-template-columns: 12rem 1fr;
    gap: 3rem;
  }
}

.notice-block li {
  max-width: 48rem;
  font-size: 0.875rem;
  line-height: 1.625;
  color: var(--notice-foreground);
}

.notice-block li + li {
  margin-top: 1rem;
}

/* Invert row */
.invert-row {
  display: block;
  border-bottom: 1px solid var(--border);
}

.invert-row:hover,
.invert-row:focus-visible {
  background: var(--primary);
  color: var(--primary-foreground);
}

.invert-row__inner {
  display: grid;
  gap: 1rem;
  padding-block: 3rem;
}

@media (min-width: 768px) {
  .invert-row__inner {
    grid-template-columns: 4rem 1fr 20rem;
    align-items: baseline;
    gap: 2.5rem;
    padding-block: 4rem;
  }
}

.invert-row:hover .text-muted,
.invert-row:focus-visible .text-muted {
  color: color-mix(in oklab, var(--primary-foreground) 80%, transparent);
}

.invert-row:hover .label-mono.text-muted,
.invert-row:focus-visible .label-mono.text-muted {
  color: color-mix(in oklab, var(--primary-foreground) 60%, transparent);
}

/* Marquee */
.marquee {
  overflow: hidden;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding-block: 1rem;
}

.marquee__item {
  display: flex;
  align-items: center;
}

.marquee__dot {
  height: 0.25rem;
  width: 0.25rem;
  flex-shrink: 0;
  background: var(--foreground);
}

.marquee .label-mono {
  white-space: nowrap;
  padding-inline: 1.5rem;
}

/* Scroll line */
.scroll-line {
  position: relative;
  padding-left: 2rem;
}

@media (min-width: 768px) {
  .scroll-line {
    padding-left: 4rem;
  }
}

.scroll-line__track {
  position: absolute;
  left: 0;
  top: 0;
  height: 100%;
  width: 1px;
  background: var(--border);
}

@media (min-width: 768px) {
  .scroll-line__track {
    left: 1rem;
  }
}

.scroll-line__progress {
  height: 100%;
  width: 1px;
  background: var(--foreground);
  transform-origin: top;
  transform: scaleY(0);
}

/* FAQ accordion */
.faq {
  border-top: 1px solid var(--border);
}

.faq__item {
  border-bottom: 1px solid var(--border);
}

.faq__trigger {
  display: flex;
  width: 100%;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding-block: 1.25rem;
  text-align: left;
  font-size: 1rem;
}

.faq__icon {
  flex-shrink: 0;
  font-family: var(--font-mono);
  font-size: 0.75rem;
}

.faq__content {
  display: none;
  padding-bottom: 1.25rem;
  font-size: 0.875rem;
  line-height: 1.625;
  color: var(--muted-foreground);
}

.faq__item.is-open .faq__content {
  display: block;
}

/* Forms */
.form-field input[type="text"],
.form-field input[type="email"],
.form-field input[type="tel"] {
  display: block;
  width: 100%;
  margin-top: 0.75rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  background: var(--surface);
  padding: 0.85rem 1rem;
  font-size: 1.05rem;
  outline: none;
  transition: border-color 180ms ease, box-shadow 180ms ease;
}

.form-field input:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 2px color-mix(in srgb, var(--primary) 22%, transparent);
}

.form-field input::placeholder {
  color: color-mix(in srgb, var(--muted-foreground) 70%, transparent);
}

.form-field__help {
  display: block;
  margin-top: 0.45rem;
  font-size: 0.8125rem;
  line-height: 1.45;
  color: var(--muted-foreground);
}

.form-field__error,
.form-error {
  display: block;
  margin-top: 0.45rem;
  font-size: 0.8125rem;
  line-height: 1.45;
  color: #b42318;
}

.form-field.is-invalid input {
  border-color: #b42318;
}

.form-field.is-valid input {
  border-color: var(--brand-teal);
}

.form-help {
  margin-top: 0.85rem;
  max-width: 40rem;
  font-size: 1rem;
  line-height: 1.6;
  color: var(--muted-foreground);
}

.form-layout {
  display: grid;
  gap: 2.5rem;
}

@media (min-width: 1024px) {
  .form-layout {
    grid-template-columns: minmax(0, 1.4fr) minmax(16rem, 0.75fr);
    gap: 3rem;
    align-items: start;
  }
}

.form-intro {
  margin-bottom: 1.75rem;
  padding: 1.15rem 1.25rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  background: var(--surface);
}

.form-intro__micro {
  font-size: 0.95rem;
  font-weight: 600;
  line-height: 1.5;
  color: var(--foreground);
}

.form-intro__note {
  margin-top: 0.55rem;
  font-size: 0.85rem;
  line-height: 1.55;
  color: var(--muted-foreground);
}

.form-progress {
  display: grid;
  gap: 0.65rem;
  margin-bottom: 1.25rem;
}

.form-progress__label {
  color: var(--muted-foreground);
}

.form-progress__track {
  height: 0.35rem;
  border-radius: var(--radius-pill);
  background: var(--border);
  overflow: hidden;
}

.form-progress__bar {
  display: block;
  height: 100%;
  width: 25%;
  background: var(--primary);
  border-radius: inherit;
  transition: width var(--motion-duration) var(--motion-ease);
}

.form-aside-card {
  padding: 1.15rem 1.2rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  background: var(--surface);
  box-shadow: var(--shadow-card);
}

.form-aside-card + .form-aside-card {
  margin-top: 0.85rem;
}

.form-aside-card__title {
  margin: 0;
  font-size: 1rem;
  font-weight: 600;
}

.form-aside-card__text {
  margin: 0.45rem 0 0;
  font-size: 0.9rem;
  line-height: 1.55;
  color: var(--muted-foreground);
}

.choice-list {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.choice-list label {
  display: flex;
  cursor: pointer;
  align-items: baseline;
  justify-content: space-between;
  gap: 1.5rem;
  padding-block: 1.5rem;
  border-radius: var(--radius-card);
}

.choice-list label:focus-within {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
}

.choice-list label.is-selected {
  background: var(--primary);
  color: var(--primary-foreground);
  padding-inline: 1.25rem;
}

.purpose-grid {
  display: grid;
  gap: 1px;
  background: var(--border);
}

@media (min-width: 640px) {
  .purpose-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.purpose-grid label {
  cursor: pointer;
  background: var(--background);
  padding: 1.5rem;
  font-size: 1rem;
  border-radius: var(--radius-card);
}

.purpose-grid label:hover {
  background: var(--muted);
}

.purpose-grid label:focus-within {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
  z-index: 1;
}

.purpose-grid label.is-selected {
  background: var(--primary);
  color: var(--primary-foreground);
}

.review-list {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.review-list > div {
  display: flex;
  justify-content: space-between;
  gap: 1.5rem;
  padding-block: 1rem;
}

.review-list > div + div {
  border-top: 1px solid var(--border);
}

.consent {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-top: 2rem;
  font-size: 0.875rem;
  line-height: 1.625;
  color: var(--muted-foreground);
}

.consent.is-invalid {
  color: #b42318;
}

.consent input {
  margin-top: 0.25rem;
  width: 1rem;
  height: 1rem;
  accent-color: var(--primary);
}

.form-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  border-top: 1px solid var(--border);
  margin-top: 3rem;
  padding-top: 2rem;
}

.form-nav .btn-primary,
.form-nav .btn-ghost {
  min-height: 3rem;
  border-radius: var(--radius-card);
  padding-inline: 1.25rem;
}

@media (max-width: 639px) {
  .form-nav {
    flex-direction: column-reverse;
    align-items: stretch;
  }

  .form-nav .btn-primary,
  .form-nav .btn-ghost {
    width: 100%;
    min-height: 3.15rem;
  }

  .step-trail {
    display: none;
  }
}

.step-trail {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 2rem;
  border-bottom: 1px solid var(--border);
  padding-bottom: 1.5rem;
}

.step-trail li {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--muted-foreground);
}

.step-trail li.is-current,
.step-trail li.is-done {
  color: var(--foreground);
}

.step-trail__bar {
  display: none;
  height: 1px;
  width: 2rem;
  background: var(--foreground);
}

.step-trail li.is-current .step-trail__bar {
  display: block;
}

.form-panel {
  margin-top: 2rem;
  min-height: 22rem;
}

.form-fields {
  display: grid;
  gap: 1.5rem;
  margin-top: 2rem;
}

@media (min-width: 768px) {
  .form-fields {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

/* Cookie prefs */
.cookie-list {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  margin-top: 2.5rem;
}

.cookie-list li {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1.5rem;
  padding-block: 1.5rem;
}

.cookie-list li + li {
  border-top: 1px solid var(--border);
}

.cookie-toggle {
  display: flex;
  flex-shrink: 0;
  align-items: center;
  gap: 0.75rem;
}

.cookie-toggle input {
  width: 1rem;
  height: 1rem;
  accent-color: currentColor;
}

/* Channels */
.channel-list {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  margin-top: 2.5rem;
}

.channel-list li + li {
  border-top: 1px solid var(--border);
}

.channel-row {
  display: grid;
  gap: 1rem;
  padding-block: 2rem;
}

@media (min-width: 768px) {
  .channel-row {
    grid-template-columns: repeat(12, minmax(0, 1fr));
    align-items: baseline;
  }
}

/* Footer */
.site-footer {
  background: var(--surface);
}

.site-footer__inner {
  padding-block: 4.5rem 1rem;
}

.site-footer__grid {
  display: grid;
  gap: 2.75rem;
}

@media (min-width: 900px) {
  .site-footer__grid {
    grid-template-columns: repeat(4, minmax(0, 1fr)) 1.35fr;
    gap: 2rem 1.5rem;
    align-items: start;
  }
}

.site-footer h2 {
  margin: 0 0 1.15rem;
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  text-transform: none;
  color: var(--foreground);
}

.site-footer__links {
  display: grid;
  gap: 0.65rem;
}

.site-footer__links a {
  font-size: 1rem;
  line-height: 1.45;
  color: var(--muted-foreground);
  transition: color 150ms;
}

.site-footer__links a:hover {
  color: var(--foreground);
}

.site-footer__contact {
  display: grid;
  gap: 0.85rem;
  padding: 0;
  border: 0;
  border-radius: 0;
  background: transparent;
  font-size: 1rem;
}

.site-footer__contact h2 {
  margin: 0 0 0.15rem;
  font-size: 1rem;
  letter-spacing: -0.01em;
}

.site-footer__numbers {
  display: grid;
  gap: 0.75rem;
  margin: 0;
}

.site-footer__number {
  display: grid;
  gap: 0.15rem;
}

.site-footer__number dt,
.site-footer__number-label {
  margin: 0;
  font-size: 0.82rem;
  line-height: 1.4;
  color: var(--muted-foreground);
}

.site-footer__number dd {
  margin: 0;
}

.site-footer__number a,
.site-footer__number-value {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.25;
  color: var(--foreground);
  word-break: break-word;
}

.site-footer__number a:hover,
.site-footer__number-value:hover {
  text-decoration: underline;
  text-underline-offset: 0.18em;
}

.site-footer__contact-disclaimer {
  margin: 0.35rem 0 0;
  font-size: 0.78rem;
  line-height: 1.55;
  color: var(--muted-foreground);
}

.site-footer__hours,
.site-footer__address {
  margin: 0.3rem 0 0;
  font-size: 0.88rem;
  line-height: 1.5;
  color: var(--muted-foreground);
}

.site-footer__legal {
  margin-top: 2.5rem;
  border-top: 1px solid var(--border);
  padding-top: 1.35rem;
  font-size: 0.72rem;
  line-height: 1.5;
  color: var(--muted-foreground);
}

.site-footer__legal p + p {
  margin-top: 0.5rem;
}

.site-footer__bottom {
  margin-top: 1.15rem;
  padding-top: 0.85rem;
  border-top: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  align-items: flex-start;
}

@media (min-width: 768px) {
  .site-footer__bottom {
    flex-direction: row;
    justify-content: space-between;
    align-items: flex-end;
    gap: 1.5rem;
  }
}

.site-footer__address-block {
  margin: 0;
  font-style: normal;
  font-size: 0.72rem;
  line-height: 1.45;
  color: var(--muted-foreground);
  text-align: left;
  max-width: 36rem;
}

.site-footer__copyright {
  margin: 0;
  font-size: 0.72rem;
  line-height: 1.45;
  color: var(--muted-foreground);
  text-align: left;
}

@media (min-width: 768px) {
  .site-footer__copyright {
    text-align: right;
    max-width: 28rem;
  }
}

/* Motion helpers */
.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition:
    opacity 0.55s cubic-bezier(0.16, 1, 0.3, 1),
    transform 0.55s cubic-bezier(0.16, 1, 0.3, 1);
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.split-line {
  display: block;
  overflow: hidden;
}

.split-word {
  display: inline-block;
  margin-right: 0.22em;
  transform: translateY(110%);
  transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}

.split-headline.is-ready .split-word {
  transform: translateY(0);
}

.invert-fg-60 {
  color: color-mix(in oklab, var(--primary-foreground) 60%, transparent);
}

.invert-fg-70 {
  color: color-mix(in oklab, var(--primary-foreground) 70%, transparent);
}

.invert-fg-75 {
  color: color-mix(in oklab, var(--primary-foreground) 75%, transparent);
}

/* Page hero — primeira faixa (band-a), com leve atmosfera de marca */
.page-hero,
.page-hero--band-a {
  border-bottom: 1px solid color-mix(in srgb, var(--border) 50%, transparent);
  background:
    radial-gradient(70rem 36rem at 92% -20%, color-mix(in srgb, var(--brand-sky) 22%, transparent), transparent 62%),
    radial-gradient(48rem 28rem at -8% 30%, color-mix(in srgb, var(--brand-credi) 10%, transparent), transparent 60%),
    var(--band-a, var(--background));
}

.page-hero--band-b {
  border-bottom: 1px solid color-mix(in srgb, var(--border) 50%, transparent);
  background:
    radial-gradient(70rem 36rem at 92% -20%, color-mix(in srgb, var(--brand-sky) 18%, transparent), transparent 62%),
    radial-gradient(48rem 28rem at -8% 30%, color-mix(in srgb, var(--brand-teal) 10%, transparent), transparent 60%),
    var(--band-b, var(--brand-ice));
}

.page-hero__inner {
  padding-block: 5rem 4rem;
}

@media (min-width: 768px) {
  .page-hero__inner {
    padding-block: 8rem 6rem;
  }
}

.page-hero .type-display {
  color: var(--foreground);
}

.page-hero .type-display span,
.page-hero h1 span {
  color: var(--hd-accent, var(--brand-credi));
}

.home-hero__inner {
  padding-block: 4rem 3.5rem;
}

@media (min-width: 768px) {
  .home-hero__inner {
    padding-block: 6rem 5rem;
  }
}

/* Preserve lateral gutters when page-hero/section share .container */
.container.page-hero__inner,
.container.section__inner,
.container.home-hero__inner {
  padding-inline: 1.25rem;
}

@media (min-width: 768px) {
  .container.page-hero__inner,
  .container.section__inner,
  .container.home-hero__inner {
    padding-inline: 2rem;
  }
}

/* ============================================================
   Tema global light/dark (escopo: body[data-theme])
   Identidade: Credi Blue / Deep Navy · DM Sans
   Padrão: prefers-color-scheme (via boot script)
   ============================================================ */

body[data-theme] {
  --hd-accent: var(--brand-credi);
  --hd-accent-2: var(--brand-sky);
  --hd-accent-soft: color-mix(in srgb, var(--brand-credi) 14%, transparent);
  --hd-grad: linear-gradient(
    105deg,
    var(--brand-credi),
    var(--brand-sky) 55%,
    color-mix(in srgb, var(--brand-navy) 70%, var(--brand-credi))
  );
  --font-sans: "DM Sans", Arial, Helvetica, sans-serif;
  --font-display: "DM Sans", Arial, Helvetica, sans-serif;
  --font-mono: "DM Sans", ui-monospace, monospace;
  --text-display: clamp(2.75rem, 5.6vw, 4.75rem);
  --text-mega: clamp(3.25rem, 8.5vw, 7.5rem);
  --text-giga: clamp(3.75rem, 10vw, 8.5rem);
  --max: 86rem;
  --hd-card-bg: color-mix(in srgb, white 88%, var(--brand-ice));
  --hd-card-border: color-mix(in srgb, var(--brand-credi) 18%, transparent);
  --hd-card-title: var(--foreground);
  --hd-card-text: var(--muted-foreground);
  --hd-card-inset: color-mix(in srgb, white 70%, transparent);
  --hd-card-shadow: 0 12px 28px -16px color-mix(in srgb, var(--brand-navy) 28%, transparent);
  --hd-section-wash: radial-gradient(80% 100% at 50% 0%, color-mix(in srgb, var(--brand-sky) 22%, transparent) 0%, transparent 70%);
  --hd-ribbon-bg: color-mix(in srgb, var(--brand-credi) 6%, transparent);
  --hd-ribbon-fg: color-mix(in srgb, var(--brand-navy) 75%, var(--brand-credi));
  --hd-ribbon-border: color-mix(in srgb, var(--brand-credi) 16%, transparent);
  --hd-icon-fg: var(--hd-accent);
  --hd-icon-fg-hover: var(--brand-navy);
  --hd-spotlight: color-mix(in srgb, var(--brand-credi) 12%, transparent);
  --hd-page-glow-a: color-mix(in srgb, var(--brand-sky) 28%, transparent);
  --hd-page-glow-b: color-mix(in srgb, var(--brand-ice) 80%, transparent);
  --hd-selection-fg: #fff;
  --hd-tab-bg: color-mix(in srgb, var(--brand-navy) 4%, transparent);
  --hd-tab-border: color-mix(in srgb, var(--brand-navy) 10%, transparent);
  --hd-tab-fg: var(--muted-foreground);
  --hd-tab-hover-bg: color-mix(in srgb, var(--brand-navy) 8%, transparent);
  --hd-tab-hover-fg: var(--foreground);
  font-family: var(--font-sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  letter-spacing: 0.005em;
  background:
    radial-gradient(70rem 40rem at 88% -14%, var(--hd-page-glow-a), transparent 62%),
    radial-gradient(54rem 34rem at -10% 28%, var(--hd-page-glow-b), transparent 60%),
    var(--background);
  color: var(--foreground);
  transition: background-color 0.35s ease, color 0.35s ease;
}

html[data-theme-boot="light"] body,
body[data-theme="light"] {
  --background: var(--brand-ice);
  --foreground: var(--brand-navy);
  --muted: color-mix(in srgb, var(--brand-ice) 70%, white);
  --muted-foreground: color-mix(in srgb, var(--brand-navy) 62%, #6b7a99);
  --border: color-mix(in srgb, var(--brand-credi) 14%, #d5dff5);
  --input: color-mix(in srgb, var(--brand-credi) 18%, #c8d4f0);
  --surface: color-mix(in srgb, white 82%, var(--brand-ice));
  --band-a: #ffffff;
  --band-b: var(--brand-ice);
  --notice-foreground: color-mix(in srgb, var(--brand-navy) 78%, #4a5568);
  --primary: var(--brand-credi);
  --primary-foreground: #ffffff;
  --hd-accent: var(--brand-credi);
  --hd-accent-2: color-mix(in srgb, var(--brand-credi) 70%, var(--brand-navy));
  --hd-accent-soft: color-mix(in srgb, var(--brand-credi) 12%, transparent);
  --hd-card-bg: color-mix(in srgb, white 88%, var(--brand-ice));
  --hd-card-border: color-mix(in srgb, var(--brand-credi) 20%, transparent);
  --hd-card-title: var(--brand-navy);
  --hd-card-text: color-mix(in srgb, var(--brand-navy) 65%, #64748b);
  --hd-card-inset: color-mix(in srgb, white 75%, transparent);
  --hd-card-shadow: 0 14px 30px -18px color-mix(in srgb, var(--brand-navy) 30%, transparent);
  --hd-section-wash: radial-gradient(80% 100% at 50% 0%, color-mix(in srgb, var(--brand-sky) 28%, transparent) 0%, var(--brand-ice) 78%);
  --hd-ribbon-bg: color-mix(in srgb, var(--brand-credi) 7%, transparent);
  --hd-ribbon-fg: color-mix(in srgb, var(--brand-navy) 80%, var(--brand-credi));
  --hd-ribbon-border: color-mix(in srgb, var(--brand-credi) 22%, transparent);
  --hd-icon-fg: var(--brand-credi);
  --hd-icon-fg-hover: var(--brand-navy);
  --hd-spotlight: color-mix(in srgb, var(--brand-credi) 12%, transparent);
  --hd-page-glow-a: color-mix(in srgb, var(--brand-sky) 32%, transparent);
  --hd-page-glow-b: color-mix(in srgb, var(--brand-teal) 12%, transparent);
  --hd-tab-bg: color-mix(in srgb, var(--brand-navy) 4%, transparent);
  --hd-tab-border: color-mix(in srgb, var(--brand-navy) 12%, transparent);
  --hd-tab-fg: color-mix(in srgb, var(--brand-navy) 62%, #64748b);
  --hd-tab-hover-bg: color-mix(in srgb, var(--brand-navy) 8%, transparent);
  --hd-tab-hover-fg: var(--brand-navy);
}

html[data-theme-boot="dark"] body,
body[data-theme="dark"] {
  --background: var(--brand-navy);
  --foreground: #f4f7ff;
  --muted: color-mix(in srgb, var(--brand-navy) 78%, #1a3358);
  --muted-foreground: color-mix(in srgb, var(--brand-ice) 72%, #9db0d8);
  --border: color-mix(in srgb, white 12%, transparent);
  --input: color-mix(in srgb, white 16%, transparent);
  --surface: color-mix(in srgb, var(--brand-navy) 70%, #132a52);
  --band-a: var(--brand-navy);
  --band-b: color-mix(in srgb, var(--brand-sky) 26%, var(--brand-navy));
  --notice-foreground: color-mix(in srgb, var(--brand-ice) 78%, #b8c7e8);
  --primary: var(--brand-sky);
  --primary-foreground: var(--brand-navy);
  --hd-accent: var(--brand-sky);
  --hd-accent-2: color-mix(in srgb, var(--brand-sky) 70%, white);
  --hd-accent-soft: color-mix(in srgb, var(--brand-sky) 16%, transparent);
  --hd-grad: linear-gradient(
    105deg,
    var(--brand-sky),
    var(--brand-credi) 52%,
    color-mix(in srgb, var(--brand-sky) 60%, white)
  );
  --hd-card-bg: color-mix(in srgb, white 3%, transparent);
  --hd-card-border: color-mix(in srgb, white 10%, transparent);
  --hd-card-title: #ffffff;
  --hd-card-text: color-mix(in srgb, white 65%, transparent);
  --hd-card-inset: color-mix(in srgb, white 10%, transparent);
  --hd-card-shadow: 0 10px 30px -10px color-mix(in srgb, black 50%, transparent);
  --hd-section-wash: radial-gradient(80% 100% at 50% 0%, color-mix(in srgb, var(--brand-credi) 18%, transparent) 0%, color-mix(in srgb, var(--brand-navy) 92%, black) 100%);
  --hd-ribbon-bg: color-mix(in srgb, var(--brand-sky) 6%, transparent);
  --hd-ribbon-fg: color-mix(in srgb, white 72%, transparent);
  --hd-ribbon-border: color-mix(in srgb, white 8%, transparent);
  --hd-icon-fg: var(--brand-sky);
  --hd-icon-fg-hover: color-mix(in srgb, var(--brand-sky) 50%, white);
  --hd-spotlight: color-mix(in srgb, var(--brand-sky) 14%, transparent);
  --hd-page-glow-a: color-mix(in srgb, var(--brand-credi) 28%, transparent);
  --hd-page-glow-b: color-mix(in srgb, var(--brand-teal) 14%, transparent);
  --hd-tab-bg: color-mix(in srgb, white 4%, transparent);
  --hd-tab-border: color-mix(in srgb, white 8%, transparent);
  --hd-tab-fg: color-mix(in srgb, white 70%, transparent);
  --hd-tab-hover-bg: color-mix(in srgb, white 8%, transparent);
  --hd-tab-hover-fg: #ffffff;
}

body[data-theme] ::selection {
  background: var(--hd-accent);
  color: var(--hd-selection-fg);
}

body[data-theme] .container {
  max-width: var(--max);
}

/* Tipografia de seção */
body[data-theme] .type-display,
.hd-heading {
  font-family: var(--font-display);
  font-size: var(--text-display);
  font-weight: 600;
  line-height: 1.05;
  letter-spacing: -0.03em;
  margin: 0;
}

.hd-heading--sm {
  font-size: clamp(2rem, 3.8vw, 3rem);
  max-width: 18ch;
}

body[data-theme] .label-mono {
  font-size: 0.78rem;
  letter-spacing: 0.14em;
}

/* Header / footer */
body[data-theme] .site-header {
  border-bottom-color: var(--border);
  background: color-mix(in oklab, var(--background) 82%, transparent);
}

body[data-theme] .site-header.is-open {
  background: var(--background);
  color: var(--foreground);
}

body[data-theme] .brand {
  font-size: inherit;
}

body[data-theme] .site-header.is-compact .brand {
  font-size: inherit;
}

body[data-theme] .brand > span:not(.brand__mark):not(.brand__logo) {
  color: var(--hd-accent-2);
}

body[data-theme] .nav-link {
  font-family: var(--font-sans);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--muted-foreground);
}

body[data-theme] .nav-link:hover,
body[data-theme] .nav-link.is-active,
body[data-theme] .nav-desktop > ul > li:hover > .nav-link,
body[data-theme] .nav-desktop > ul > li:focus-within > .nav-link {
  color: var(--foreground);
  background: oklch(1 0 0 / 0.04);
}

body[data-theme="light"] .nav-dropdown__panel {
  border-color: var(--border);
  background: #ffffff;
  box-shadow: 0 28px 60px -28px color-mix(in srgb, var(--brand-navy) 28%, transparent);
}

body[data-theme="light"] .nav-dropdown__card {
  background: color-mix(in srgb, var(--brand-ice) 55%, white);
  border-color: var(--border);
}

body[data-theme="light"] .nav-dropdown__card:hover {
  background: var(--primary);
  border-color: transparent;
  color: #ffffff;
}

body[data-theme="light"] .nav-dropdown__card:hover .nav-dropdown__desc {
  color: color-mix(in srgb, white 90%, transparent);
  opacity: 1;
}

body[data-theme="dark"] .nav-dropdown {
  background: transparent;
  border: 0;
  box-shadow: none;
}

body[data-theme="dark"] .nav-dropdown__panel {
  border-color: var(--border);
  background: color-mix(in srgb, var(--brand-navy) 92%, black);
  box-shadow: 0 36px 80px -30px color-mix(in srgb, black 55%, transparent);
}

body[data-theme="dark"] .nav-dropdown__eyebrow {
  font-family: var(--font-display);
  font-size: 1.7rem;
}

body[data-theme="dark"] .nav-dropdown__overview {
  color: var(--hd-accent-2);
}

body[data-theme="dark"] .nav-dropdown__overview:hover {
  color: oklch(0.99 0 0);
}

body[data-theme="dark"] .nav-dropdown__card {
  background: oklch(1 0 0 / 0.035);
  border-color: oklch(1 0 0 / 0.1);
}

body[data-theme="dark"] .nav-dropdown__label {
  font-family: var(--font-display);
  font-size: 1.28rem;
}

body[data-theme="dark"] .nav-dropdown__desc {
  font-size: 1.02rem;
  opacity: 0.8;
  color: var(--muted-foreground);
}

body[data-theme="dark"] .nav-dropdown__card:hover {
  background: var(--hd-accent);
  border-color: transparent;
  color: oklch(0.99 0 0);
}

body[data-theme="dark"] .nav-dropdown__card:hover .nav-dropdown__desc {
  color: oklch(1 0 0 / 0.9);
  opacity: 1;
}

body[data-theme] .btn-cta {
  font-family: var(--font-sans);
  font-size: 0.9rem;
  font-weight: 600;
  background: var(--brand-credi);
  color: #ffffff;
  border-radius: 0.55rem;
  box-shadow: 0 10px 24px -12px color-mix(in srgb, var(--brand-credi) 55%, transparent);
}

body[data-theme] .btn-cta:hover {
  background: color-mix(in srgb, var(--brand-credi) 88%, var(--brand-navy));
  color: #ffffff;
  box-shadow: 0 14px 28px -12px color-mix(in srgb, var(--brand-credi) 70%, transparent);
  transform: translateY(-1px);
}

body[data-theme] .menu-toggle {
  border-color: var(--border);
  color: var(--foreground);
  background: oklch(1 0 0 / 0.03);
}

body[data-theme] .panel-nav {
  background: var(--background);
  color: var(--foreground);
}

body[data-theme] .panel-nav__cta {
  background: var(--hd-grad);
  color: oklch(0.99 0 0);
}

body[data-theme] .site-footer {
  background: transparent;
  border-top: 1px solid var(--border);
}

body[data-theme] .site-footer__contact {
  background: transparent;
  border: 0;
}

body[data-theme] .site-footer__number a,
body[data-theme] .site-footer__number-value {
  color: var(--foreground);
}

body[data-theme] .site-footer__legal {
  font-size: 0.72rem;
  line-height: 1.5;
}

body[data-theme] .marquee__dot {
  background: var(--hd-accent-2);
}

body[data-theme] .scroll-line__progress {
  background: var(--hd-accent-2);
}

body[data-theme] .notice-block {
  border: 1px solid var(--border);
  border-radius: 1.15rem;
  background: oklch(1 0 0 / 0.035);
  padding: 2rem;
}

@media (min-width: 768px) {
  body[data-theme] .notice-block {
    padding: 2.5rem 2.75rem;
  }
}

body[data-theme] .notice-block h3 {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-transform: none;
  color: var(--hd-accent-2);
}

body[data-theme] .notice-block li {
  font-size: 1rem;
  line-height: 1.7;
}

body[data-theme] .step-list__item h3 {
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 2.4vw, 1.85rem);
  font-weight: 600;
  letter-spacing: -0.02em;
}

body[data-theme] .step-list__item p {
  font-size: 1.05rem;
  line-height: 1.7;
}

body[data-theme] .step-list__item .label-mono {
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--hd-accent-2);
}

/* Hero */
.hd-hero {
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--border);
}

.hd-hero__grid-bg {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(var(--border) 1px, transparent 1px),
    linear-gradient(90deg, var(--border) 1px, transparent 1px);
  background-size: 4.5rem 4.5rem;
  mask-image: radial-gradient(80% 70% at 40% 0%, black, transparent);
  -webkit-mask-image: radial-gradient(80% 70% at 40% 0%, black, transparent);
  opacity: 0.45;
  pointer-events: none;
}

.hd-hero__glow {
  position: absolute;
  border-radius: 50%;
  filter: blur(90px);
  pointer-events: none;
}

.hd-hero__glow--a {
  width: 36rem;
  height: 36rem;
  right: -8rem;
  top: -10rem;
  background: oklch(0.55 0.22 262 / 0.4);
}

.hd-hero__glow--b {
  width: 28rem;
  height: 28rem;
  left: -10rem;
  bottom: -12rem;
  background: oklch(0.5 0.2 255 / 0.32);
}

.hd-hero__inner {
  position: relative;
  width: 100%;
  display: grid;
  gap: 3rem;
  padding-block: 4rem 4.5rem;
}

@media (min-width: 1024px) {
  .hd-hero__inner {
    grid-template-columns: 1.15fr 0.95fr;
    align-items: center;
    gap: 2.5rem;
    padding-block: 5rem 5.5rem;
  }
}

.hd-kicker {
  margin: 0 0 1rem;
  font-family: var(--font-sans);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--hd-accent-2);
}

.hd-brandmark {
  margin: 0 0 1rem;
  line-height: 0;
}

.hd-brandmark .brand__logo--hero {
  display: block;
}

.hd-hero__title {
  margin: 0;
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 4.8vw, 4.25rem);
  font-weight: 600;
  line-height: 1.04;
  letter-spacing: -0.02em;
  max-width: 18ch;
}

.hd-hero__title .split-line:last-child .split-word {
  background: none;
  -webkit-background-clip: unset;
  background-clip: unset;
  color: inherit;
}

.hd-hero__sub {
  margin-top: 1.35rem;
  max-width: 34rem;
  font-size: clamp(1.05rem, 1.35vw, 1.175rem);
  line-height: 1.65;
  color: var(--muted-foreground);
  font-weight: 400;
}

.hd-hero__ctas {
  margin-top: 1.85rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
}

.hd-hero__micro {
  margin-top: 0.9rem;
  max-width: 34rem;
  font-size: 0.92rem;
  line-height: 1.5;
  color: var(--muted-foreground);
}

.hd-hero__legal {
  margin-top: 1.65rem;
  font-size: 0.92rem;
  line-height: 1.55;
  color: var(--muted-foreground);
}

/* Botões */
.hd-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.65rem;
  padding: 1.05rem 1.7rem;
  border-radius: 0.85rem;
  font-family: var(--font-sans);
  font-size: 1.05rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  transition:
    transform 180ms,
    box-shadow 180ms,
    background 180ms,
    border-color 180ms;
}

.hd-btn svg {
  width: 1rem;
  height: 1rem;
}

.hd-btn--primary {
  background: var(--hd-grad);
  color: oklch(0.99 0 0);
  box-shadow: 0 12px 34px -10px oklch(0.6 0.22 265 / 0.62);
}

.hd-btn--primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 44px -8px oklch(0.6 0.22 265 / 0.75);
}

.hd-btn--ghost {
  border: 1px solid var(--border);
  background: oklch(1 0 0 / 0.03);
  color: var(--foreground);
}

.hd-btn--ghost:hover {
  border-color: oklch(0.7 0.2 261 / 0.55);
  background: var(--hd-accent-soft);
}

.hd-btn--light {
  background: oklch(0.99 0 0);
  color: oklch(0.3 0.08 264);
}

.hd-btn--light:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 44px -12px oklch(0 0 0 / 0.5);
}

/* Cartão */
.hd-visual {
  position: relative;
  display: flex;
  justify-content: center;
  padding-block: 1rem;
}

.hd-credit-card {
  position: relative;
  width: min(28rem, 94%);
  aspect-ratio: 1.586;
  border-radius: 1.4rem;
  background: linear-gradient(
    135deg,
    var(--brand-sky),
    var(--brand-credi) 45%,
    var(--brand-navy)
  );
  border: 1px solid color-mix(in srgb, white 22%, transparent);
  box-shadow:
    0 44px 96px -26px color-mix(in srgb, var(--brand-credi) 55%, transparent),
    inset 0 1px 0 color-mix(in srgb, white 30%, transparent);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  color: #fff;
  transform: rotate(-5deg);
  animation: hd-float 7s ease-in-out infinite;
  overflow: hidden;
}

.hd-credit-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(120% 90% at 18% 0%, oklch(1 0 0 / 0.24), transparent 55%);
}

.hd-credit-card::after {
  content: "";
  position: absolute;
  width: 24rem;
  height: 24rem;
  right: -10rem;
  bottom: -13rem;
  border-radius: 50%;
  border: 3rem solid oklch(1 0 0 / 0.07);
}

@keyframes hd-float {
  0%,
  100% {
    transform: rotate(-5deg) translateY(0);
  }
  50% {
    transform: rotate(-5deg) translateY(-0.75rem);
  }
}

.hd-credit-card__top,
.hd-credit-card__bottom {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.hd-credit-card__brand {
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: -0.02em;
  font-size: 1.15rem;
}

.hd-credit-card__type {
  font-family: var(--font-sans);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  opacity: 0.85;
}

.hd-credit-card__chip {
  position: relative;
  z-index: 1;
  width: 3rem;
  height: 2.2rem;
  border-radius: 0.45rem;
  background: linear-gradient(135deg, oklch(0.88 0.12 95), oklch(0.74 0.13 80));
  box-shadow: inset 0 0 0 1px oklch(0.6 0.1 85 / 0.6);
}

.hd-credit-card__number {
  position: relative;
  z-index: 1;
  margin: 0;
  font-family: var(--font-sans);
  font-size: clamp(1.1rem, 2.8vw, 1.4rem);
  font-weight: 600;
  letter-spacing: 0.14em;
}

.hd-credit-card__meta {
  display: grid;
  gap: 0.2rem;
}

.hd-credit-card__meta small {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  opacity: 0.7;
}

.hd-credit-card__meta span {
  font-size: 0.95rem;
  font-weight: 500;
  letter-spacing: 0.02em;
}

/* Trust Section V2 — High Tech Glassmorphic Cards */
.hd-trust {
  position: relative;
  border-bottom: 1px solid var(--border);
  background: var(--hd-section-wash);
  padding-block: 2.75rem 3.25rem;
}

.hd-trust__grid {
  display: grid;
  gap: 0.9rem;
}

@media (min-width: 640px) {
  .hd-trust__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.9rem;
  }
}

@media (min-width: 1024px) {
  .hd-trust__grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 0.85rem;
  }
}

.hd-trust__item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 1.35rem 1.25rem;
  background: var(--hd-card-bg);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--hd-card-border);
  border-radius: 1.1rem;
  box-shadow: var(--hd-card-shadow), inset 0 1px 0 var(--hd-card-inset);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  overflow: hidden;
}

.hd-trust__item::after {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, rgba(192, 132, 252, 0.7), transparent);
  opacity: 0;
  transition: opacity 0.3s ease;
}

.hd-trust__item:hover::after {
  opacity: 1;
}

.hd-trust__icon {
  width: 3.25rem;
  height: 3.25rem;
  flex-shrink: 0;
  display: grid;
  place-items: center;
  border-radius: 1rem;
  border: 1px solid color-mix(in oklab, var(--hd-accent) 35%, transparent);
  background: linear-gradient(135deg, var(--hd-accent-soft), transparent);
  color: var(--hd-icon-fg);
  margin-bottom: 0.9rem;
  box-shadow: 0 8px 16px -4px color-mix(in oklab, var(--hd-accent) 28%, transparent);
  transition: transform 0.3s ease, color 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}

.hd-trust__item:hover .hd-trust__icon {
  transform: scale(1.08) rotate(-3deg);
  border-color: color-mix(in oklab, var(--hd-accent) 55%, transparent);
  color: var(--hd-icon-fg-hover);
  box-shadow: 0 0 20px color-mix(in oklab, var(--hd-accent) 35%, transparent);
}

.hd-trust__icon svg {
  width: 1.5rem;
  height: 1.5rem;
}

.hd-trust__title {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 600;
  letter-spacing: -0.015em;
  color: var(--hd-card-title);
}

.hd-trust__text {
  margin: 0.5rem 0 0;
  font-size: 0.92rem;
  line-height: 1.55;
  color: var(--hd-card-text);
}

/* Marquee */
.hd-marquee {
  padding-block: 1.35rem;
}

.hd-marquee__label {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  white-space: nowrap;
  padding-inline: 1.75rem;
  color: var(--muted-foreground);
}

/* Seções */
.hd-section {
  position: relative;
  padding-block: 5rem;
  border-bottom: 1px solid color-mix(in srgb, var(--border) 55%, transparent);
}

@media (min-width: 768px) {
  .hd-section {
    padding-block: 7rem;
  }
}

/* Site bands — Styleguide: Branco × Ice Blue / Deep Navy × Sky sobre Navy */
body {
  --band-a: #ffffff;
  --band-b: var(--brand-ice);
  --home-band-a: var(--band-a);
  --home-band-b: var(--band-b);
}

body[data-theme="dark"] {
  --band-a: var(--brand-navy);
  --band-b: color-mix(in srgb, var(--brand-sky) 26%, var(--brand-navy));
  --home-band-a: var(--band-a);
  --home-band-b: var(--band-b);
}

.hd-section--band-a {
  background: var(--band-a);
}

.hd-section--band-b {
  background: var(--band-b);
}

.hd-section--soft {
  background: var(--band-b);
}

.hd-section--flush {
  border-bottom: 0;
  padding-bottom: 5rem;
}

@media (min-width: 768px) {
  .hd-section--flush {
    padding-bottom: 7rem;
  }
}

/* CTA final — só o bloco, full-bleed, sem banda/moldura da seção */
.hd-section--final {
  background: transparent;
  border-bottom: 0;
  padding-block: 0;
}

.hd-eyebrow {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  margin: 0 0 1.35rem;
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--hd-accent-2);
}

.hd-eyebrow::before {
  content: "";
  width: 2.25rem;
  height: 1.5px;
  background: currentColor;
}

.hd-eyebrow--light {
  color: oklch(1 0 0 / 0.88);
}

/* Jornadas */
.hd-journeys {
  margin-top: 3.25rem;
  display: grid;
  gap: 1.35rem;
}

@media (min-width: 768px) {
  .hd-journeys {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.hd-journey {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 1.15rem;
  padding: 2.25rem;
  min-height: 18rem;
  border-radius: 1.25rem;
  border: 1px solid var(--border);
  background: linear-gradient(180deg, oklch(1 0 0 / 0.05), oklch(1 0 0 / 0.015));
  overflow: hidden;
  transition:
    transform 220ms,
    border-color 220ms,
    box-shadow 220ms;
}

.hd-journey::before {
  content: "";
  position: absolute;
  inset: -45% -25% auto;
  height: 70%;
  background: radial-gradient(closest-side, oklch(0.6 0.22 262 / 0.28), transparent);
  opacity: 0;
  transition: opacity 280ms;
  pointer-events: none;
}

.hd-journey:hover,
.hd-journey:focus-visible {
  transform: translateY(-4px);
  border-color: oklch(0.7 0.2 261 / 0.5);
  box-shadow: 0 28px 64px -26px oklch(0.55 0.22 262 / 0.5);
}

.hd-journey:hover::before,
.hd-journey:focus-visible::before {
  opacity: 1;
}

.hd-journey__num {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: var(--hd-accent-2);
}

.hd-journey__arrow {
  position: absolute;
  top: 2rem;
  right: 2rem;
  width: 1.25rem;
  height: 1.25rem;
  color: var(--muted-foreground);
  transition:
    transform 220ms,
    color 220ms;
}

.hd-journey:hover .hd-journey__arrow,
.hd-journey:focus-visible .hd-journey__arrow {
  transform: translate(3px, -3px);
  color: var(--hd-accent-2);
}

.hd-journey__title {
  margin: 0;
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 2.4vw, 2.1rem);
  font-weight: 600;
  letter-spacing: -0.025em;
}

.hd-journey__text {
  margin: 0;
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--muted-foreground);
}

.hd-journey__tag {
  margin-top: auto;
  display: inline-flex;
  align-self: flex-start;
  padding: 0.45rem 0.9rem;
  border: 1px solid var(--border);
  border-radius: 999px;
  font-family: var(--font-sans);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--muted-foreground);
}

/* Conta digital */
.hd-account {
  display: grid;
  gap: 3.75rem;
  align-items: center;
}

@media (min-width: 1024px) {
  .hd-account {
    grid-template-columns: 1.05fr 0.95fr;
    gap: 4.5rem;
  }
}

.hd-account__copy {
  margin: 1.5rem 0 0;
  font-size: clamp(1.1rem, 1.5vw, 1.25rem);
  line-height: 1.7;
  color: var(--muted-foreground);
  max-width: 34rem;
}

.hd-account__cta {
  margin-top: 2.25rem;
}

.hd-checks {
  margin: 2.25rem 0 0;
  display: grid;
  gap: 1rem;
  list-style: none;
  padding: 0;
}

.hd-checks li {
  display: flex;
  gap: 0.85rem;
  align-items: flex-start;
  font-size: 1.05rem;
  line-height: 1.55;
}

.hd-checks svg {
  width: 1.25rem;
  height: 1.25rem;
  flex-shrink: 0;
  margin-top: 0.2rem;
  color: var(--hd-accent-2);
}

/* Phone mockups (app screenshots) */
.hd-phone-stage {
  position: relative;
  min-height: 28rem;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hd-phone-wrap {
  position: relative;
  display: flex;
  justify-content: center;
  width: 100%;
  min-height: 30rem;
}

.hd-phone-wrap::before {
  content: "";
  position: absolute;
  width: 22rem;
  height: 22rem;
  border-radius: 50%;
  background: color-mix(in srgb, var(--brand-credi) 28%, transparent);
  filter: blur(72px);
  pointer-events: none;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -45%);
}

.hd-phone-wrap--stack {
  perspective: 1200px;
}

.hd-phone {
  position: relative;
  margin: 0;
  width: min(17.5rem, 72vw);
  border-radius: 2.15rem;
  border: none;
  background: transparent;
  padding: 0;
  box-shadow: 0 40px 80px -28px color-mix(in srgb, black 50%, transparent);
}

.hd-phone__bezel {
  display: none;
}

.hd-phone__screen {
  display: block;
  width: 100%;
  height: auto;
  border-radius: 2rem;
  background: transparent;
}

.hd-phone__caption {
  position: absolute;
  left: 0;
  right: 0;
  bottom: -2rem;
  text-align: center;
  font-size: 0.8rem;
  color: var(--muted-foreground);
}

.hd-phone--front {
  z-index: 3;
  animation: hd-float 7s ease-in-out infinite;
}

.hd-phone--mid,
.hd-phone--back {
  position: absolute;
  top: 8%;
  pointer-events: none;
}

.hd-phone--mid {
  z-index: 2;
  left: calc(50% + 4.5rem);
  width: min(15rem, 58vw);
  transform: rotate(8deg) scale(0.92);
  opacity: 0.92;
}

.hd-phone--back {
  z-index: 1;
  left: calc(50% - 12.5rem);
  width: min(14.2rem, 54vw);
  transform: rotate(-10deg) scale(0.86);
  opacity: 0.78;
}

.hd-phone--solo {
  width: min(18.5rem, 78%);
  margin-inline: auto;
  animation: hd-float 7s ease-in-out infinite;
}

@media (max-width: 1023px) {
  .hd-phone--mid,
  .hd-phone--back {
    display: none;
  }

  .hd-phone-wrap {
    min-height: 0;
  }
}

/* Conta digital — spotlight & market */
.cd-spotlight {
  display: grid;
  gap: 3rem;
  align-items: center;
}

@media (min-width: 1024px) {
  .cd-spotlight {
    grid-template-columns: 1.15fr 0.85fr;
    gap: 4rem;
  }

  .cd-spotlight--reverse {
    grid-template-columns: 0.85fr 1.15fr;
  }

  .cd-spotlight--reverse .cd-spotlight__visual {
    order: -1;
  }
}

.cd-feature-grid {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 1.25rem;
}

@media (min-width: 640px) {
  .cd-feature-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.cd-feature {
  padding: 1.25rem 1.15rem;
  border-radius: 1rem;
  border: 1px solid var(--hd-card-border);
  background: var(--hd-card-bg);
  box-shadow: var(--hd-card-shadow);
}

.cd-feature__icon {
  display: inline-grid;
  place-items: center;
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 0.75rem;
  background: var(--hd-accent-soft);
  color: var(--hd-accent-2);
  margin-bottom: 0.85rem;
}

.cd-feature__icon svg {
  width: 1.15rem;
  height: 1.15rem;
}

.cd-feature__title {
  margin: 0;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--hd-card-title);
}

.cd-feature__text {
  margin: 0.55rem 0 0;
  font-size: 0.92rem;
  line-height: 1.55;
  color: var(--hd-card-text);
}

.cd-pillars {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 1.25rem;
}

@media (min-width: 768px) {
  .cd-pillars {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1100px) {
  .cd-pillars {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.cd-pillar {
  padding: 1.5rem 1.25rem;
  border-top: 2px solid var(--hd-accent);
}

.cd-pillar__num {
  display: block;
  font-family: var(--font-mono);
  font-size: 0.75rem;
  letter-spacing: 0.12em;
  color: var(--hd-accent-2);
  margin-bottom: 0.85rem;
}

.cd-pillar__title {
  margin: 0;
  font-size: 1.15rem;
  font-weight: 600;
}

.cd-pillar__text {
  margin: 0.75rem 0 0;
  font-size: 0.95rem;
  line-height: 1.55;
  color: var(--muted-foreground);
}

/* Stats */
.hd-stats {
  margin: 2.75rem 0 0;
  display: grid;
  gap: 2.25rem;
}

@media (min-width: 640px) {
  .hd-stats {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .hd-stats {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.hd-stat__value {
  margin: 0;
  font-family: var(--font-display);
  font-size: clamp(3rem, 5.5vw, 4.4rem);
  font-weight: 600;
  letter-spacing: -0.045em;
  line-height: 1;
  background: var(--hd-grad);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hd-stat__label {
  margin-top: 0.9rem;
  max-width: 18ch;
  font-size: 1rem;
  line-height: 1.55;
  color: var(--muted-foreground);
}

.hd-stats__note {
  margin-top: 2.25rem;
  max-width: none;
  width: 100%;
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--muted-foreground);
}

.hd-steps {
  margin-top: 3rem;
}

.hd-notice-grid {
  display: grid;
  gap: 2.5rem;
}

@media (min-width: 768px) {
  .hd-notice-grid {
    grid-template-columns: 1fr 1.15fr;
    gap: 4rem;
    align-items: start;
  }
}

/* CTA final */
.hd-final {
  position: relative;
  width: 100%;
  border-radius: 0;
  padding-block: clamp(2.75rem, 6vw, 4.5rem);
  padding-inline: 0;
  background:
    radial-gradient(70% 100% at 100% 0%, color-mix(in srgb, var(--brand-sky) 35%, transparent), transparent 55%),
    linear-gradient(125deg, var(--brand-credi), var(--brand-navy));
  overflow: hidden;
  isolation: isolate;
}

.hd-section--final .hd-final,
.hd-final {
  border-radius: 0;
}

.hd-final__grid {
  display: grid;
  gap: 2.5rem;
}

@media (min-width: 900px) {
  .hd-final__grid {
    grid-template-columns: 1.35fr 0.9fr;
    gap: 3rem;
    align-items: end;
  }
}

.hd-final__main {
  position: relative;
  z-index: 1;
}

.hd-final__title {
  margin: 0;
  font-family: var(--font-display);
  font-size: clamp(2.6rem, 6.5vw, 4.75rem);
  font-weight: 600;
  line-height: 1.02;
  letter-spacing: -0.04em;
  color: oklch(0.99 0 0);
  max-width: 12ch;
}

.hd-final__text {
  margin: 1.25rem 0 0;
  max-width: 32rem;
  font-size: 1.1rem;
  line-height: 1.65;
  color: oklch(1 0 0 / 0.86);
}

.hd-final__main .hd-btn {
  margin-top: 1.75rem;
}

.hd-final__aside {
  position: relative;
  z-index: 1;
  padding: 1.35rem 1.4rem;
  border: 1px solid oklch(1 0 0 / 0.18);
  border-radius: var(--radius-card, 0.5rem);
  background: oklch(0 0 0 / 0.18);
  backdrop-filter: blur(8px);
}

.hd-final__points {
  display: grid;
  gap: 1rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.hd-final__points li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.85rem;
  align-items: baseline;
}

.hd-final__points span {
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: oklch(1 0 0 / 0.55);
}

.hd-final__points p {
  margin: 0;
  font-size: 1.02rem;
  line-height: 1.45;
  color: oklch(0.99 0 0);
}

.hd-final__note {
  margin: 1.25rem 0 0;
  padding-top: 1rem;
  border-top: 1px solid oklch(1 0 0 / 0.14);
  font-size: 0.82rem;
  line-height: 1.55;
  color: oklch(1 0 0 / 0.68);
}

/* Lead copy */
.hd-lead {
  margin: 1.25rem 0 0;
  max-width: 40rem;
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  line-height: 1.7;
  color: var(--muted-foreground);
}

/* Conta digital compacta */
.hd-account-strip {
  margin-top: 3rem;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  padding: 1.75rem 2rem;
  border: 1px solid var(--border);
  border-radius: 1.15rem;
  background: oklch(1 0 0 / 0.03);
}

@media (min-width: 768px) {
  .hd-account-strip {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    gap: 2rem;
  }
}

.hd-account-strip__title {
  margin: 0;
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 2.2vw, 1.75rem);
  font-weight: 600;
  letter-spacing: -0.02em;
}

.hd-account-strip__text {
  margin: 0.55rem 0 0;
  max-width: 36rem;
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--muted-foreground);
}

/* Modalidades */
.hd-modals {
  margin-top: 3rem;
  display: grid;
  gap: 1.1rem;
}

@media (min-width: 768px) {
  .hd-modals {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .hd-modals {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.hd-modal {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  padding: 1.75rem;
  border: 1px solid var(--border);
  border-radius: 1.1rem;
  background: oklch(1 0 0 / 0.025);
  transition:
    transform 200ms,
    border-color 200ms,
    box-shadow 200ms;
}

.hd-modal:hover,
.hd-modal:focus-visible {
  transform: translateY(-3px);
  border-color: oklch(0.7 0.2 261 / 0.45);
  box-shadow: 0 24px 50px -28px oklch(0.55 0.22 262 / 0.55);
}

.hd-modal__num {
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: var(--hd-accent-2);
}

.hd-modal__title {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 600;
  letter-spacing: -0.02em;
}

.hd-modal__text {
  margin: 0;
  font-size: 1.02rem;
  line-height: 1.6;
  color: var(--muted-foreground);
}

.hd-modal__link {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--hd-accent-2);
}

.hd-modal__link svg {
  width: 0.95rem;
  height: 0.95rem;
}

/* Garantias */
.hd-guarantees {
  margin-top: 3rem;
  display: grid;
  gap: 1.15rem;
}

@media (min-width: 768px) {
  .hd-guarantees {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.hd-guarantee {
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
  padding: 2rem;
  border: 1px solid var(--border);
  border-radius: 1.15rem;
  background: linear-gradient(180deg, oklch(1 0 0 / 0.05), oklch(1 0 0 / 0.015));
  transition:
    transform 200ms,
    border-color 200ms;
}

.hd-guarantee:hover,
.hd-guarantee:focus-visible {
  transform: translateY(-3px);
  border-color: oklch(0.7 0.2 261 / 0.45);
}

.hd-guarantee__title {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.7rem;
  font-weight: 600;
  letter-spacing: -0.025em;
}

.hd-guarantee__text {
  margin: 0;
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--muted-foreground);
}

.hd-guarantee__link {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--hd-accent-2);
}

.hd-guarantee__link svg {
  width: 0.95rem;
  height: 0.95rem;
}

.hd-risk-note {
  margin: 1.35rem 0 0;
  max-width: none;
  width: 100%;
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--notice-foreground);
}

.hd-risk-note--secondary {
  margin-top: 0.65rem;
  font-size: 0.9rem;
  color: var(--muted-foreground);
}

/* Diferenciais */
.hd-diffs {
  margin-top: 3rem;
  display: grid;
  gap: 1.15rem;
}

@media (min-width: 768px) {
  .hd-diffs {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.hd-diff {
  padding: 2rem;
  border: 1px solid var(--border);
  border-radius: 1.15rem;
  background: oklch(1 0 0 / 0.025);
}

.hd-diff__icon {
  display: grid;
  place-items: center;
  width: 2.75rem;
  height: 2.75rem;
  border-radius: 0.85rem;
  border: 1px solid var(--border);
  background: var(--hd-accent-soft);
  color: var(--hd-accent-2);
  margin-bottom: 1.25rem;
}

.hd-diff__icon svg {
  width: 1.2rem;
  height: 1.2rem;
}

.hd-diff__meta {
  margin: 0 0 0.5rem;
  font-size: 0.88rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--hd-accent-2);
}

.hd-diff__title {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 600;
  letter-spacing: -0.02em;
}

.hd-diff__text {
  margin: 0.75rem 0 0;
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--muted-foreground);
}

/* Segurança institucional */
.hd-security {
  margin-top: 3rem;
  display: grid;
  gap: 1.15rem;
}

@media (min-width: 900px) {
  .hd-security {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1200px) {
  .hd-security {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.hd-security__item {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  padding: 2rem;
  border: 1px solid var(--border);
  border-radius: 1.15rem;
  background: oklch(1 0 0 / 0.03);
  min-height: 100%;
}

.hd-security__title {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 600;
  letter-spacing: -0.02em;
}

.hd-security__text {
  margin: 0;
  flex: 1;
  font-size: 1.02rem;
  line-height: 1.65;
  color: var(--muted-foreground);
}

.hd-security__link {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--hd-accent-2);
}

.hd-security__link svg {
  width: 0.95rem;
  height: 0.95rem;
}

/* FAQ na home */
body[data-theme] .faq {
  border-top-color: var(--border);
}

body[data-theme] .faq__item {
  border-bottom-color: var(--border);
}

body[data-theme] .faq__trigger {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 600;
  letter-spacing: -0.015em;
  padding-block: 1.4rem;
}

body[data-theme] .faq__content {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--muted-foreground);
}

body[data-theme] .faq__icon {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--hd-accent-2);
}

.hd-faq {
  max-width: none;
}

.hd-faq-layout {
  display: grid;
  gap: 2.5rem;
  align-items: start;
}

@media (min-width: 960px) {
  .hd-faq-layout {
    grid-template-columns: minmax(16rem, 0.85fr) minmax(0, 1.35fr);
    gap: 3.5rem 4rem;
  }

  .hd-faq-layout__intro {
    position: sticky;
    top: 6.5rem;
  }
}

.hd-faq-layout__intro .hd-heading {
  max-width: 10ch;
}

.hd-faq-layout__cta {
  margin-top: 1.75rem;
}

.hd-faq-layout__list {
  min-width: 0;
}

/* ============================================================
   Home viva — marca, atmosfera e motion (inspiração: presença Inter)
   ============================================================ */

body[data-theme] {
  --hd-motion: cubic-bezier(0.16, 1, 0.3, 1);
}

body[data-theme] .brand {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
}

.brand__mark {
  display: inline-flex;
  line-height: 0;
}

.brand-mark {
  width: 1.55rem;
  height: auto;
  aspect-ratio: 254.59 / 220.49;
  flex-shrink: 0;
  color: var(--hd-accent, var(--brand-credi, #1447e6));
}

.brand-mark--xs {
  width: 1rem;
  height: auto;
}

.brand-mark--sm {
  width: 1.15rem;
  height: auto;
}

.brand-mark--card {
  width: 1.25rem;
  height: auto;
}

.brand-mark--lg {
  width: 5.5rem;
  height: auto;
  filter: drop-shadow(0 12px 30px color-mix(in srgb, var(--brand-credi) 40%, transparent));
}

.brand-mark--final {
  width: 8rem;
  height: auto;
  opacity: 0.35;
}

body.home .reveal {
  opacity: 0;
  transform: translateY(28px);
  filter: blur(4px);
  transition:
    opacity 0.7s var(--hd-motion),
    transform 0.7s var(--hd-motion),
    filter 0.7s var(--hd-motion);
}

body.home .reveal.is-visible {
  opacity: 1;
  transform: none;
  filter: none;
}

body.home .reveal--lift {
  transform: translateY(36px) scale(0.97);
}

body.home .reveal--lift.is-visible {
  transform: none;
}

/* Atmosfera do hero */
.hd-hero__atmosphere {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}

.hd-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(40px);
  will-change: transform;
}

.hd-orb--1 {
  width: 22rem;
  height: 22rem;
  top: -6rem;
  right: 8%;
  background: oklch(0.58 0.24 264 / 0.45);
  animation: hd-drift 12s ease-in-out infinite;
}

.hd-orb--2 {
  width: 16rem;
  height: 16rem;
  bottom: 8%;
  left: 4%;
  background: oklch(0.55 0.2 258 / 0.35);
  animation: hd-drift 15s ease-in-out infinite reverse;
}

.hd-orb--3 {
  width: 10rem;
  height: 10rem;
  top: 42%;
  left: 38%;
  background: oklch(0.7 0.2 270 / 0.28);
  animation: hd-pulse-orb 7s ease-in-out infinite;
}

.hd-orb--4 {
  width: 8rem;
  height: 8rem;
  top: 18%;
  left: 18%;
  background: oklch(0.65 0.18 261 / 0.22);
  animation: hd-drift 18s ease-in-out infinite;
}

.hd-hero__mesh {
  position: absolute;
  inset: 0;
  pointer-events: none;
  background:
    radial-gradient(circle at 70% 30%, oklch(0.7 0.2 265 / 0.12), transparent 28%),
    radial-gradient(circle at 20% 70%, oklch(0.55 0.18 258 / 0.1), transparent 32%);
  animation: hd-mesh 10s ease-in-out infinite alternate;
}

@keyframes hd-drift {
  0%,
  100% {
    translate: 0 0;
  }
  50% {
    translate: 18px -22px;
  }
}

@keyframes hd-pulse-orb {
  0%,
  100% {
    opacity: 0.55;
    scale: 1;
  }
  50% {
    opacity: 1;
    scale: 1.12;
  }
}

@keyframes hd-mesh {
  from {
    opacity: 0.7;
  }
  to {
    opacity: 1;
  }
}

.hd-kicker {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
}

.hd-kicker__mark {
  display: inline-flex;
}

/* Visual vivo */
.hd-visual {
  position: relative;
  display: grid;
  place-items: center;
  min-height: 22rem;
  perspective: 900px;
}

.hd-card-stage {
  position: relative;
  z-index: 2;
  animation: hd-float-stage 7s ease-in-out infinite;
}

@keyframes hd-float-stage {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-0.85rem);
  }
}

.hd-credit-card {
  transform: rotate(-5deg);
  transform-style: preserve-3d;
  transition: transform 180ms ease-out;
  animation: none;
}

.hd-credit-card__shine {
  position: absolute;
  inset: 0;
  z-index: 2;
  background: linear-gradient(
    115deg,
    transparent 35%,
    oklch(1 0 0 / 0.28) 48%,
    transparent 62%
  );
  transform: translateX(-120%);
  animation: hd-shine 4.8s ease-in-out infinite;
  pointer-events: none;
}

@keyframes hd-shine {
  0%,
  55% {
    transform: translateX(-120%);
  }
  75%,
  100% {
    transform: translateX(120%);
  }
}

.hd-credit-card__brand {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
}

.hd-ring {
  position: absolute;
  width: min(28rem, 92%);
  aspect-ratio: 1;
  border-radius: 50%;
  border: 1px solid oklch(0.75 0.18 265 / 0.28);
  z-index: 0;
}

.hd-ring--soft {
  width: min(34rem, 104%);
  border-color: oklch(0.75 0.18 265 / 0.14);
  border-style: dashed;
}

.hd-ring.is-spinning {
  animation: hd-spin 28s linear infinite;
}

.hd-ring--soft.is-spinning {
  animation: hd-spin 42s linear infinite reverse;
}

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

.hd-orbit {
  position: absolute;
  width: min(26rem, 88%);
  aspect-ratio: 1;
  z-index: 3;
  animation: hd-spin 22s linear infinite;
  pointer-events: none;
}

.hd-orbit__item {
  position: absolute;
  width: 2.7rem;
  height: 2.7rem;
  display: grid;
  place-items: center;
  border-radius: 50%;
  border: 1px solid oklch(1 0 0 / 0.16);
  background: color-mix(in oklab, var(--surface) 88%, transparent);
  backdrop-filter: blur(10px);
  color: var(--hd-accent-2);
  box-shadow: 0 12px 28px -14px oklch(0 0 0 / 0.7);
  animation: hd-spin 22s linear infinite reverse;
}

.hd-orbit__item svg {
  width: 1.15rem;
  height: 1.15rem;
}

.hd-orbit__item--1 {
  top: 4%;
  left: 50%;
  translate: -50% 0;
}
.hd-orbit__item--2 {
  top: 50%;
  right: 0;
  translate: 0 -50%;
}
.hd-orbit__item--3 {
  bottom: 4%;
  left: 50%;
  translate: -50% 0;
}
.hd-orbit__item--4 {
  top: 50%;
  left: 0;
  translate: 0 -50%;
}

.hd-seal {
  position: absolute;
  right: 4%;
  bottom: 6%;
  z-index: 4;
  animation: hd-seal 6s ease-in-out infinite;
}

@keyframes hd-seal {
  0%,
  100% {
    transform: translateY(0) rotate(-8deg);
  }
  50% {
    transform: translateY(-10px) rotate(-2deg);
  }
}

/* Ribbon de marca (integrada ao header) */
.hd-ribbon {
  width: 100%;
  overflow: hidden;
  border-top: 1px solid var(--hd-ribbon-border);
  background: var(--hd-ribbon-bg);
  padding-block: 0.55rem;
  max-height: 3rem;
  opacity: 1;
  transform: translateZ(0);
  pointer-events: none;
  transition:
    max-height 200ms ease,
    opacity 160ms ease,
    padding 200ms ease,
    border-color 160ms ease;
}

/* Hide ribbon only in compact/open — avoid dual is-scrolled toggle flicker */
.site-header.is-compact .hd-ribbon,
.site-header.is-open .hd-ribbon {
  max-height: 0;
  opacity: 0;
  padding-block: 0;
  border-top-color: transparent;
  pointer-events: none;
}

.hd-ribbon__track {
  display: flex;
  width: max-content;
  align-items: center;
  gap: 0;
  animation: none;
}

.hd-ribbon__item {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  padding-inline: 2.4rem;
  font-family: var(--font-mono);
  font-size: 0.82rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--hd-ribbon-fg);
  white-space: nowrap;
  flex-shrink: 0;
}

.hd-ribbon__mark {
  display: inline-flex;
  opacity: 0.9;
  transform: scale(1);
}

.hd-ribbon__mark .brand-mark--xs {
  width: 1.2rem;
  height: 1.2rem;
}

@keyframes hd-ribbon {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

/* Símbolos nas jornadas / garantias */
.hd-journey__symbol,
.hd-guarantee__symbol {
  width: 3.1rem;
  height: 3.1rem;
  display: grid;
  place-items: center;
  border-radius: 1rem;
  border: 1px solid var(--border);
  background: var(--hd-accent-soft);
  color: var(--hd-accent-2);
  transition:
    transform 220ms var(--hd-motion),
    box-shadow 220ms;
}

.hd-journey__symbol svg,
.hd-guarantee__symbol svg {
  width: 1.35rem;
  height: 1.35rem;
}

.hd-journey:hover .hd-journey__symbol,
.hd-guarantee:hover .hd-guarantee__symbol {
  transform: scale(1.08) rotate(-4deg);
  box-shadow: 0 14px 30px -16px oklch(0.55 0.22 265 / 0.7);
}

.hd-journey {
  transition:
    transform 220ms var(--hd-motion),
    border-color 220ms,
    box-shadow 220ms;
}

.hd-modal,
.hd-diff,
.hd-security__item {
  transition:
    transform 220ms var(--hd-motion),
    border-color 220ms,
    box-shadow 220ms;
}

.hd-btn[data-magnetic] {
  transition:
    transform 120ms ease-out,
    box-shadow 180ms,
    background 180ms,
    border-color 180ms;
  will-change: transform;
}

.hd-btn--primary {
  position: relative;
  overflow: hidden;
}

.hd-btn--primary::after {
  content: "";
  position: absolute;
  inset: -40%;
  background: linear-gradient(115deg, transparent 40%, oklch(1 0 0 / 0.22), transparent 60%);
  transform: translateX(-80%);
  transition: transform 0.6s var(--hd-motion);
}

.hd-btn--primary:hover::after {
  transform: translateX(80%);
}

body.home .split-word {
  transition: transform 0.75s var(--hd-motion);
}

/* ==========================================================================
   High-Tech Banking Visual Upgrade (Home V2 Enhancements)
   ========================================================================== */

@keyframes pulseGlow {
  0%, 100% { opacity: 0.4; transform: scale(1); }
  50% { opacity: 1; transform: scale(1.25); }
}

/* Dynamic Spotlight Hover on High-Tech Cards */
body.home .hd-journey,
body.home .hd-modal,
body.home .hd-guarantee,
body.home .hd-diff,
body.home .hd-security__item,
body.home .hd-trust__item {
  position: relative;
  overflow: hidden;
  border: 1px solid var(--hd-card-border);
  transition: border-color 0.3s ease, transform 0.3s ease, box-shadow 0.3s ease;
}

body.home .hd-journey::before,
body.home .hd-modal::before,
body.home .hd-guarantee::before,
body.home .hd-diff::before,
body.home .hd-security__item::before,
body.home .hd-trust__item::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(
    400px circle at var(--mouse-x, 50%) var(--mouse-y, 50%),
    var(--hd-spotlight),
    transparent 40%
  );
  opacity: 0;
  transition: opacity 0.3s ease;
  pointer-events: none;
  z-index: 1;
}

body.home .hd-journey:hover::before,
body.home .hd-modal:hover::before,
body.home .hd-guarantee:hover::before,
body.home .hd-diff:hover::before,
body.home .hd-security__item:hover::before,
body.home .hd-trust__item:hover::before {
  opacity: 1;
}

body.home .hd-journey:hover,
body.home .hd-modal:hover,
body.home .hd-guarantee:hover,
body.home .hd-diff:hover,
body.home .hd-security__item:hover,
body.home .hd-trust__item:hover {
  border-color: color-mix(in oklab, var(--hd-accent) 45%, transparent);
  box-shadow: 0 12px 32px -8px color-mix(in oklab, var(--hd-accent) 22%, transparent), inset 0 1px 0 var(--hd-card-inset);
  transform: translateY(-3px);
}

/* Modal Filter Tabs */
.hd-modal-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin-top: 1.5rem;
  margin-bottom: 2rem;
}

.hd-tab {
  padding: 0.5rem 1.1rem;
  border-radius: 9999px;
  background: var(--hd-tab-bg);
  border: 1px solid var(--hd-tab-border);
  color: var(--hd-tab-fg);
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.2s ease;
}

.hd-tab:hover {
  background: var(--hd-tab-hover-bg);
  color: var(--hd-tab-hover-fg);
}

.hd-tab.is-active {
  background: linear-gradient(135deg, var(--hd-accent-soft), color-mix(in oklab, var(--hd-accent) 18%, transparent));
  border-color: color-mix(in oklab, var(--hd-accent) 50%, transparent);
  color: var(--hd-tab-hover-fg);
  box-shadow: 0 4px 14px color-mix(in oklab, var(--hd-accent) 22%, transparent);
}

.hd-modal {
  transition: opacity 0.3s ease, transform 0.3s ease;
}

@media (prefers-reduced-motion: reduce) {

  .hd-orb,
  .hd-hero__mesh,
  .hd-card-stage,
  .hd-credit-card__shine,
  .hd-ring,
  .hd-orbit,
  .hd-orbit__item,
  .hd-seal,
  .hd-ribbon__track {
    animation: none !important;
  }

  body.home .reveal,
  body.home .reveal--lift {
    opacity: 1 !important;
    transform: none !important;
    filter: none !important;
  }
}

/* ——— Institutional refinement (audit P0–P2) ——— */

body[data-theme] {
  --font-sans: "DM Sans", Arial, Helvetica, sans-serif;
  --font-display: "DM Sans", Arial, Helvetica, sans-serif;
  --font-mono: "DM Sans", ui-monospace, monospace;
}

.btn-cta,
.menu-toggle,
.hd-btn,
.cta,
.panel-nav__cta,
.nav-dropdown__card,
.card-grid__item,
.hd-journey,
.hd-modal,
.hd-guarantee,
.hd-diff,
.hd-security__item,
.hd-trust__item,
.hd-final__aside,
.notice-block,
.form-aside-card,
.form-intro {
  border-radius: var(--radius-card, 0.5rem);
}

.hd-phone,
.hd-phone__screen,
.hd-process-proof,
.hd-process-proof__app {
  border-radius: var(--radius-mock, 0.75rem);
}

.hd-btn,
.btn-cta,
.btn-primary,
.cta {
  min-height: 3rem;
}

.hd-btn:focus-visible,
.btn-cta:focus-visible,
.btn-primary:focus-visible,
.cta:focus-visible,
.nav-link:focus-visible,
.menu-toggle:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
}

.hd-hero--calm {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  background:
    radial-gradient(56rem 36rem at 92% 18%, color-mix(in srgb, var(--brand-sky) 26%, transparent), transparent 62%),
    radial-gradient(42rem 28rem at 8% 88%, color-mix(in srgb, var(--brand-credi) 14%, transparent), transparent 64%),
    radial-gradient(28rem 20rem at 70% 78%, color-mix(in srgb, var(--brand-teal) 10%, transparent), transparent 70%),
    linear-gradient(160deg, var(--surface) 0%, var(--background) 48%, color-mix(in srgb, var(--brand-ice) 35%, var(--background)) 100%);
}

body[data-theme="dark"] .hd-hero--calm:not(.hd-hero--scene) {
  background:
    radial-gradient(56rem 36rem at 92% 18%, color-mix(in srgb, var(--brand-sky) 22%, transparent), transparent 62%),
    radial-gradient(42rem 28rem at 8% 88%, color-mix(in srgb, var(--brand-credi) 18%, transparent), transparent 64%),
    radial-gradient(28rem 20rem at 70% 78%, color-mix(in srgb, var(--brand-teal) 12%, transparent), transparent 70%),
    linear-gradient(160deg, color-mix(in srgb, var(--brand-navy) 88%, #132a52), var(--background) 55%, color-mix(in srgb, var(--brand-navy) 92%, black));
}

/* Foto de fundo por jornada — só atmosfera, sem texto na imagem */
.hd-hero--scene {
  background: var(--background);
}

/* PF / crédito / hero estático conta — fundo azul no tema claro */
body:not([data-theme="dark"]) .hd-hero-panel[data-slide="pf"].hd-hero--scene,
body:not([data-theme="dark"]) .hd-hero-panel[data-slide="credito"].hd-hero--scene,
body:not([data-theme="dark"]) .hd-hero--static[data-slide="conta"].hd-hero--scene {
  background:
    radial-gradient(52rem 34rem at 90% 10%, color-mix(in srgb, var(--brand-sky) 42%, transparent), transparent 58%),
    radial-gradient(40rem 28rem at 8% 88%, color-mix(in srgb, var(--brand-credi) 28%, transparent), transparent 62%),
    linear-gradient(
      160deg,
      color-mix(in srgb, var(--brand-credi) 28%, white) 0%,
      var(--brand-ice) 42%,
      color-mix(in srgb, var(--brand-sky) 32%, var(--brand-ice)) 100%
    );
}

/* 2º slide (PJ) — base teal distinta */
body:not([data-theme="dark"]) .hd-hero-panel[data-slide="pj"].hd-hero--scene {
  background:
    radial-gradient(48rem 32rem at 88% 12%, color-mix(in srgb, var(--brand-teal) 28%, transparent), transparent 60%),
    linear-gradient(
      165deg,
      color-mix(in srgb, var(--brand-teal) 22%, white) 0%,
      color-mix(in srgb, var(--brand-ice) 55%, #d8f3ea) 45%,
      color-mix(in srgb, var(--brand-teal) 16%, var(--brand-ice)) 100%
    );
}

.hd-hero__scene {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
  pointer-events: none;
}

/* Véu colorido por slide — garante leitura da cor atrás da foto (esp. desktop) */
.hd-hero__scene::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
}

body:not([data-theme="dark"]) .hd-hero-panel[data-slide="pf"] .hd-hero__scene::before,
body:not([data-theme="dark"]) .hd-hero-panel[data-slide="credito"] .hd-hero__scene::before,
body:not([data-theme="dark"]) .hd-hero--static[data-slide="conta"] .hd-hero__scene::before {
  background:
    linear-gradient(
      105deg,
      color-mix(in srgb, var(--brand-ice) 88%, var(--brand-credi)) 0%,
      color-mix(in srgb, var(--brand-sky) 35%, var(--brand-ice)) 45%,
      color-mix(in srgb, var(--brand-credi) 22%, transparent) 100%
    );
}

body:not([data-theme="dark"]) .hd-hero-panel[data-slide="pj"] .hd-hero__scene::before {
  background:
    linear-gradient(
      105deg,
      color-mix(in srgb, #d8f3ea 70%, white) 0%,
      color-mix(in srgb, var(--brand-teal) 28%, var(--brand-ice)) 48%,
      color-mix(in srgb, var(--brand-teal) 20%, transparent) 100%
    );
}

.hd-hero__scene-img {
  position: relative;
  z-index: 1;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  transform: scale(1.04);
  opacity: 0.42;
  filter: saturate(0.95) contrast(1.04);
  transition:
    transform 320ms ease,
    opacity 240ms ease;
}

.hd-hero-panel.is-active .hd-hero__scene-img,
.hd-hero--static .hd-hero__scene-img {
  transform: scale(1);
  opacity: 0.5;
}

.hd-hero__scene-wash {
  position: absolute;
  inset: 0;
  z-index: 2;
  background:
    linear-gradient(
      105deg,
      color-mix(in srgb, var(--background) 88%, transparent) 0%,
      color-mix(in srgb, var(--background) 58%, transparent) 34%,
      color-mix(in srgb, var(--background) 22%, transparent) 58%,
      transparent 100%
    ),
    linear-gradient(
      180deg,
      color-mix(in srgb, var(--background) 45%, transparent) 0%,
      transparent 30%,
      transparent 70%,
      color-mix(in srgb, var(--background) 50%, transparent) 100%
    );
}

body:not([data-theme="dark"]) .hd-hero-panel[data-slide="pf"] .hd-hero__scene-wash,
body:not([data-theme="dark"]) .hd-hero-panel[data-slide="credito"] .hd-hero__scene-wash,
body:not([data-theme="dark"]) .hd-hero--static[data-slide="conta"] .hd-hero__scene-wash {
  background:
    linear-gradient(
      105deg,
      color-mix(in srgb, var(--brand-ice) 94%, transparent) 0%,
      color-mix(in srgb, var(--brand-ice) 70%, transparent) 32%,
      color-mix(in srgb, var(--brand-sky) 18%, transparent) 58%,
      transparent 100%
    ),
    linear-gradient(
      180deg,
      color-mix(in srgb, var(--brand-ice) 50%, transparent) 0%,
      transparent 28%,
      transparent 68%,
      color-mix(in srgb, var(--brand-ice) 55%, transparent) 100%
    );
}

body:not([data-theme="dark"]) .hd-hero-panel[data-slide="pj"] .hd-hero__scene-wash {
  background:
    linear-gradient(
      105deg,
      color-mix(in srgb, #e8f8f2 94%, transparent) 0%,
      color-mix(in srgb, #e8f8f2 68%, transparent) 32%,
      color-mix(in srgb, var(--brand-teal) 16%, transparent) 58%,
      transparent 100%
    ),
    linear-gradient(
      180deg,
      color-mix(in srgb, #e8f8f2 48%, transparent) 0%,
      transparent 28%,
      transparent 68%,
      color-mix(in srgb, #e8f8f2 55%, transparent) 100%
    );
}

/* Dark: PF/crédito/conta = azul Credi; PJ = teal — blocos finais (ganham o cascade) */
body[data-theme="dark"] .hd-hero-panel[data-slide="pf"].hd-hero--scene,
body[data-theme="dark"] .hd-hero-panel[data-slide="credito"].hd-hero--scene,
body[data-theme="dark"] .hd-hero--static[data-slide="conta"].hd-hero--scene {
  background: #0c2558 !important;
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pj"].hd-hero--scene {
  background: #0a3d34 !important;
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pf"] .hd-hero__scene::before,
body[data-theme="dark"] .hd-hero-panel[data-slide="credito"] .hd-hero__scene::before,
body[data-theme="dark"] .hd-hero--static[data-slide="conta"] .hd-hero__scene::before {
  background:
    linear-gradient(
      118deg,
      #0a1f44 0%,
      color-mix(in srgb, var(--brand-credi) 55%, #0a1f44) 42%,
      color-mix(in srgb, var(--brand-sky) 45%, #071226) 100%
    ) !important;
  opacity: 1 !important;
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pj"] .hd-hero__scene::before {
  background:
    linear-gradient(
      118deg,
      #06352c 0%,
      color-mix(in srgb, var(--brand-teal) 62%, #0a2f28) 45%,
      color-mix(in srgb, #0fbf8c 35%, #041a16) 100%
    ) !important;
  opacity: 1 !important;
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pf"] .hd-hero__scene-img,
body[data-theme="dark"] .hd-hero-panel[data-slide="credito"] .hd-hero__scene-img,
body[data-theme="dark"] .hd-hero-panel[data-slide="pj"] .hd-hero__scene-img,
body[data-theme="dark"] .hd-hero--static[data-slide="conta"] .hd-hero__scene-img {
  opacity: 0.16 !important;
  filter: saturate(0.55) contrast(1.08) brightness(0.55) !important;
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pf"].is-active .hd-hero__scene-img,
body[data-theme="dark"] .hd-hero-panel[data-slide="credito"].is-active .hd-hero__scene-img,
body[data-theme="dark"] .hd-hero-panel[data-slide="pj"].is-active .hd-hero__scene-img,
body[data-theme="dark"] .hd-hero--static[data-slide="conta"] .hd-hero__scene-img {
  opacity: 0.22 !important;
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pf"] .hd-hero__scene-wash,
body[data-theme="dark"] .hd-hero-panel[data-slide="credito"] .hd-hero__scene-wash,
body[data-theme="dark"] .hd-hero--static[data-slide="conta"] .hd-hero__scene-wash {
  background:
    linear-gradient(
      105deg,
      color-mix(in srgb, #0c2558 94%, transparent) 0%,
      color-mix(in srgb, #1447e6 28%, transparent) 40%,
      transparent 72%
    ),
    linear-gradient(
      180deg,
      color-mix(in srgb, #0a1f44 70%, transparent) 0%,
      transparent 30%,
      transparent 62%,
      color-mix(in srgb, #0a1f44 78%, transparent) 100%
    ) !important;
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pj"] .hd-hero__scene-wash {
  background:
    linear-gradient(
      105deg,
      color-mix(in srgb, #0a3d34 94%, transparent) 0%,
      color-mix(in srgb, var(--brand-teal) 36%, transparent) 40%,
      transparent 72%
    ),
    linear-gradient(
      180deg,
      color-mix(in srgb, #06352c 70%, transparent) 0%,
      transparent 30%,
      transparent 62%,
      color-mix(in srgb, #06352c 78%, transparent) 100%
    ) !important;
}

@media (max-width: 1023px) {
  .hd-hero__scene-img {
    opacity: 0.38;
  }

  .hd-hero-panel.is-active .hd-hero__scene-img,
  .hd-hero--static .hd-hero__scene-img {
    opacity: 0.46;
  }

  body[data-theme="dark"] .hd-hero-panel[data-slide="pf"] .hd-hero__scene-img,
  body[data-theme="dark"] .hd-hero-panel[data-slide="credito"] .hd-hero__scene-img,
  body[data-theme="dark"] .hd-hero-panel[data-slide="pj"] .hd-hero__scene-img,
  body[data-theme="dark"] .hd-hero--static[data-slide="conta"] .hd-hero__scene-img {
    opacity: 0.18 !important;
  }

  body[data-theme="dark"] .hd-hero-panel[data-slide="pf"].is-active .hd-hero__scene-img,
  body[data-theme="dark"] .hd-hero-panel[data-slide="credito"].is-active .hd-hero__scene-img,
  body[data-theme="dark"] .hd-hero-panel[data-slide="pj"].is-active .hd-hero__scene-img,
  body[data-theme="dark"] .hd-hero--static[data-slide="conta"] .hd-hero__scene-img {
    opacity: 0.24 !important;
  }
}

.hd-hero--calm .hd-hero__inner {
  position: relative;
  z-index: 1;
  padding-block: clamp(2.25rem, 5vw, 4rem);
}

@media (max-width: 767px) {
  .hd-hero--calm .hd-hero__ctas {
    flex-direction: column;
  }

  .hd-hero--calm .hd-btn {
    width: 100%;
    min-height: 3.15rem;
  }
}

.hd-trust-console {
  margin-top: 1.5rem;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.65rem;
  max-width: 36rem;
}

@media (min-width: 640px) {
  .hd-trust-console {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .hd-trust-console {
    grid-template-columns: repeat(5, minmax(0, 1fr));
    max-width: none;
  }
}

.hd-trust-console__item {
  display: grid;
  gap: 0.2rem;
  padding: 0.7rem 0.75rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-card, 0.5rem);
  background: color-mix(in srgb, var(--surface) 92%, white);
}

.hd-trust-console__label {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--brand-teal);
}

.hd-trust-console__text {
  font-size: 0.8rem;
  line-height: 1.35;
  color: var(--muted-foreground);
}

.hd-visual--proof {
  min-height: 0;
  perspective: none;
}

.hd-process-proof {
  width: 100%;
  max-width: 28rem;
  margin-inline: auto;
  padding: 1.25rem;
  border: 1px solid var(--border);
  background: var(--surface);
  box-shadow: var(--shadow-card, 0 16px 40px -28px rgba(10, 31, 68, 0.35));
}

.hd-process-proof__head {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.hd-process-proof__eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted-foreground);
}

.hd-process-proof__status {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.8rem;
  color: var(--foreground);
}

.hd-process-proof__dot {
  width: 0.45rem;
  height: 0.45rem;
  border-radius: 50%;
  background: var(--brand-teal);
}

.hd-process-proof__steps {
  display: grid;
  gap: 0.75rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.hd-process-proof__step {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.75rem;
  padding: 0.85rem 0.9rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-card, 0.5rem);
  background: color-mix(in srgb, white 70%, var(--surface));
}

.hd-process-proof__step strong {
  display: block;
  font-size: 0.95rem;
  font-weight: 600;
}

.hd-process-proof__step span span {
  display: block;
  margin-top: 0.2rem;
  font-size: 0.82rem;
  line-height: 1.45;
  color: var(--muted-foreground);
}

.hd-process-proof__index {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: var(--muted-foreground);
}

.hd-process-proof__step.is-done {
  border-color: color-mix(in srgb, var(--brand-teal) 35%, var(--border));
}

.hd-process-proof__step.is-current {
  border-color: color-mix(in srgb, var(--primary) 40%, var(--border));
  box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--primary) 18%, transparent);
}

.hd-process-proof__app {
  margin: 1.15rem 0 0;
}

.hd-phone--hero {
  max-width: 14.5rem;
  margin-inline: auto;
}

.hd-chooser-links {
  margin-top: 1.75rem;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.5rem;
}

.hd-guarantee-block {
  margin-top: 3rem;
}

.hd-subheading {
  margin: 0 0 1.25rem;
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 2.2vw, 1.75rem);
  font-weight: 600;
  letter-spacing: -0.02em;
}

.site-footer__pending {
  margin: 0 0 1rem;
  padding: 0.85rem 1rem;
  border: 1px solid color-mix(in srgb, var(--brand-gold) 45%, var(--border));
  border-radius: var(--radius-card, 0.5rem);
  background: color-mix(in srgb, var(--brand-gold) 10%, var(--surface));
  font-size: 0.85rem;
  line-height: 1.5;
  color: var(--foreground);
}

@media (max-width: 767px) {
  .hd-ribbon {
    display: none;
  }
}

/* Tone down decorative hover motion on home cards */
body.home .hd-journey:hover,
body.home .hd-modal:hover,
body.home .hd-guarantee:hover,
body.home .hd-diff:hover,
body.home .hd-security__item:hover,
body.home .hd-trust__item:hover {
  transform: translateY(-1px);
  box-shadow: var(--shadow-card, 0 16px 40px -28px rgba(10, 31, 68, 0.28));
}

body.home .hd-journey::before,
body.home .hd-modal::before,
body.home .hd-guarantee::before,
body.home .hd-diff::before,
body.home .hd-security__item::before,
body.home .hd-trust__item::before {
  display: none;
}

.reveal {
  transition:
    opacity var(--motion-duration, 300ms) var(--motion-ease, cubic-bezier(0.16, 1, 0.3, 1)),
    transform var(--motion-duration, 300ms) var(--motion-ease, cubic-bezier(0.16, 1, 0.3, 1));
}

.reveal--lift:not(.is-visible) {
  transform: translateY(14px);
}

/* Page closing CTAs — keep actions aligned with gutters */
.page-cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  align-items: center;
}

.page-cta-actions .cta {
  min-height: 3rem;
  border-radius: var(--radius-card, 0.5rem);
  white-space: nowrap;
  font-weight: 700;
}

@media (max-width: 639px) {
  .page-cta-actions {
    width: 100%;
    flex-direction: column;
    align-items: stretch;
  }

  .page-cta-actions .cta {
    width: 100%;
  }
}

.page-account-cta .type-display {
  margin-top: 0.85rem;
}

.band-invert .page-cta-actions .cta--invert {
  min-height: 3rem;
}

/* Hero persona portrait — blends into slide stage color */
.hd-visual--persona {
  position: relative;
  min-height: 0;
  perspective: none;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  align-self: flex-end;
  margin-bottom: calc(-1 * clamp(2rem, 4.5vw, 3.5rem));
}

/* Soft stage glow — tinted per slide / theme (not a generic ice halo) */
.hd-visual--persona::before {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 0;
  translate: -50% 0;
  width: min(100%, 38rem);
  height: min(96%, 46rem);
  border-radius: 48% 48% 0 0;
  background:
    radial-gradient(circle at 50% 30%, color-mix(in srgb, var(--brand-sky) 32%, transparent), transparent 62%),
    radial-gradient(circle at 50% 72%, color-mix(in srgb, var(--brand-credi) 18%, transparent), transparent 78%);
  filter: blur(2px);
  opacity: 0.85;
  z-index: 0;
  pointer-events: none;
}

body:not([data-theme="dark"]) .hd-hero-panel[data-slide="pj"] .hd-visual--persona::before {
  background:
    radial-gradient(circle at 50% 30%, color-mix(in srgb, var(--brand-teal) 34%, transparent), transparent 62%),
    radial-gradient(circle at 50% 72%, color-mix(in srgb, #d8f3ea 55%, transparent), transparent 78%);
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pf"] .hd-visual--persona::before,
body[data-theme="dark"] .hd-hero-panel[data-slide="credito"] .hd-visual--persona::before,
body[data-theme="dark"] .hd-hero--static[data-slide="conta"] .hd-visual--persona::before {
  background:
    radial-gradient(circle at 50% 30%, color-mix(in srgb, var(--brand-credi) 36%, transparent), transparent 62%),
    radial-gradient(circle at 50% 72%, color-mix(in srgb, #0c2558 70%, transparent), transparent 78%);
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pj"] .hd-visual--persona::before {
  background:
    radial-gradient(circle at 50% 30%, color-mix(in srgb, var(--brand-teal) 42%, transparent), transparent 62%),
    radial-gradient(circle at 50% 72%, color-mix(in srgb, #0a3d34 72%, transparent), transparent 78%);
}

.hd-visual--persona::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 18%;
  background: linear-gradient(180deg, transparent, color-mix(in srgb, var(--brand-ice) 78%, transparent));
  z-index: 2;
  pointer-events: none;
}

body:not([data-theme="dark"]) .hd-hero-panel[data-slide="pj"] .hd-visual--persona::after {
  background: linear-gradient(180deg, transparent, color-mix(in srgb, #e8f8f2 82%, transparent));
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pf"] .hd-visual--persona::after,
body[data-theme="dark"] .hd-hero-panel[data-slide="credito"] .hd-visual--persona::after,
body[data-theme="dark"] .hd-hero--static[data-slide="conta"] .hd-visual--persona::after {
  background: linear-gradient(180deg, transparent, color-mix(in srgb, #0c2558 88%, transparent));
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pj"] .hd-visual--persona::after {
  background: linear-gradient(180deg, transparent, color-mix(in srgb, #0a3d34 88%, transparent));
}

.hd-persona {
  position: relative;
  z-index: 1;
  margin: 0;
  width: min(100%, 42rem);
  border-radius: 0;
  overflow: visible;
  background: transparent;
  box-shadow: none;
  aspect-ratio: auto;
}

.hd-persona__img {
  display: block;
  width: 100%;
  height: auto;
  max-height: min(52rem, 92vh);
  object-fit: contain;
  object-position: center bottom;
  filter: none;
}

body:not([data-theme="dark"]) .hd-hero-panel[data-slide="pf"] .hd-persona__img,
body:not([data-theme="dark"]) .hd-hero-panel[data-slide="credito"] .hd-persona__img,
body:not([data-theme="dark"]) .hd-hero--static[data-slide="conta"] .hd-persona__img {
  filter: drop-shadow(0 22px 40px color-mix(in srgb, var(--brand-credi) 22%, transparent));
}

body:not([data-theme="dark"]) .hd-hero-panel[data-slide="pj"] .hd-persona__img {
  filter: drop-shadow(0 22px 40px color-mix(in srgb, var(--brand-teal) 24%, transparent));
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pf"] .hd-persona__img,
body[data-theme="dark"] .hd-hero-panel[data-slide="credito"] .hd-persona__img,
body[data-theme="dark"] .hd-hero--static[data-slide="conta"] .hd-persona__img {
  filter: drop-shadow(0 18px 36px color-mix(in srgb, #041226 55%, transparent));
}

body[data-theme="dark"] .hd-hero-panel[data-slide="pj"] .hd-persona__img {
  filter: drop-shadow(0 18px 36px color-mix(in srgb, #021612 55%, transparent));
}

@media (min-width: 1024px) {
  .hd-hero-panel .hd-visual--persona,
  .hd-hero--static .hd-visual--persona {
    margin-bottom: calc(-1 * clamp(2.25rem, 4vw, 3.75rem));
    min-height: min(54rem, 90vh);
  }

  .hd-persona {
    width: min(100%, 46rem);
  }

  .hd-persona__img {
    max-height: min(54rem, 94vh);
    width: 108%;
    max-width: none;
    margin-inline: -4%;
  }
}

.hd-trust-line {
  margin-top: 1.15rem;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.4rem 0.55rem;
  max-width: 36rem;
  font-size: 0.75rem;
  line-height: 1.45;
  color: var(--muted-foreground);
}

.hd-trust-line span:first-child {
  font-weight: 500;
}

.hd-hero__micro .hd-hero__inline-link {
  color: inherit;
  font-weight: 600;
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 0.18em;
  transition: color 160ms ease;
}

.hd-hero__micro .hd-hero__inline-link:hover {
  color: var(--brand-credi);
}

/* Hero estático (home) — um frame, sem scroll sticky */
.hd-hero--static {
  min-height: min(100vh, 56rem);
}

.hd-hero--static .hd-hero__copy {
  animation: hd-hero-copy-in 680ms var(--motion-ease) both;
}

.hd-hero--static .hd-visual--persona {
  animation: hd-hero-persona-in 820ms var(--motion-ease) 80ms both;
}

.hd-hero--static .hd-kicker {
  color: color-mix(in srgb, var(--brand-credi) 70%, var(--brand-navy));
}

body[data-theme="dark"] .hd-hero--static .hd-kicker {
  color: color-mix(in srgb, var(--brand-sky) 75%, white);
}

@keyframes hd-hero-copy-in {
  from {
    opacity: 0;
    transform: translateY(1.1rem);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes hd-hero-persona-in {
  from {
    opacity: 0;
    transform: translateY(1.6rem) scale(0.985);
  }
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

@media (prefers-reduced-motion: reduce) {
  .hd-hero--static .hd-hero__copy,
  .hd-hero--static .hd-visual--persona {
    animation: none;
  }
}

@media (max-width: 1023px) {
  .hd-visual--persona {
    display: none;
  }
}

/* ——— Scroll-driven hero (legacy / unused on home) ——— */
.hd-hero-scroll {
  position: relative;
  height: 240vh;
  background: var(--background);
}

.hd-hero-scroll__sticky {
  position: sticky;
  top: 0;
  height: 100vh;
  height: 100dvh;
  overflow: hidden;
}

.hd-hero-scroll__progress {
  position: absolute;
  left: 0;
  right: 0;
  top: 0;
  z-index: 5;
  height: 3px;
  background: color-mix(in srgb, var(--border) 70%, transparent);
  pointer-events: none;
}

.hd-hero-scroll__progress > span {
  display: block;
  height: 100%;
  width: 100%;
  transform-origin: left center;
  transform: scaleX(0);
  background: linear-gradient(90deg, var(--brand-credi), var(--brand-sky));
  will-change: transform;
}

.hd-hero-scroll__dots {
  position: absolute;
  right: max(1rem, calc((100% - var(--max)) / 2 + 1rem));
  top: 50%;
  translate: 0 -50%;
  z-index: 6;
  display: grid;
  gap: 0.65rem;
}

.hd-hero-scroll__dot {
  width: 0.55rem;
  height: 0.55rem;
  border-radius: 999px;
  border: 0;
  padding: 0;
  background: color-mix(in srgb, var(--foreground) 28%, transparent);
  cursor: pointer;
  transition:
    transform 180ms ease,
    background 180ms ease,
    height 200ms ease,
    width 200ms ease;
}

.hd-hero-scroll__dot.is-active {
  height: 1.35rem;
  background: var(--primary);
}

.hd-hero-panel {
  position: absolute;
  inset: 0;
  height: 100%;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translate3d(0, 6px, 0);
  transition:
    opacity var(--hero-fade-ms, 240ms) ease,
    transform var(--hero-fade-ms, 240ms) ease,
    visibility var(--hero-fade-ms, 240ms);
  border-bottom: 0;
}

.hd-hero-panel.is-active {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translate3d(0, 0, 0);
  z-index: 2;
}

.hd-hero-panel .hd-hero__inner {
  height: 100%;
  min-height: 100%;
  align-content: center;
  padding-block: clamp(2rem, 4.5vw, 3.5rem);
}

.hd-hero-panel .hd-visual--persona {
  align-self: flex-end;
  margin-bottom: calc(-1 * clamp(2rem, 4.5vw, 3.5rem));
}

.hd-hero-panel .hd-hero__scene-img {
  transition:
    transform 320ms ease,
    opacity 240ms ease;
}

@media (max-width: 1023px) {
  .hd-hero-scroll {
    height: 270vh;
  }

  .hd-hero-scroll__dots {
    right: auto;
    left: 50%;
    top: auto;
    bottom: 1.1rem;
    translate: -50% 0;
    grid-auto-flow: column;
    gap: 0.5rem;
  }

  .hd-hero-scroll__dot.is-active {
    width: 1.35rem;
    height: 0.55rem;
  }

  .hd-hero-panel .hd-hero__inner {
    height: 100%;
    min-height: 100%;
    padding-block: 4.25rem 3.5rem;
    align-content: center;
  }

  .hd-hero-panel .hd-visual--persona {
    display: none;
  }

  /* Stack mobile: slides sobem e cobrem o anterior (movimento via JS) */
  .hd-hero-scroll[data-hero-motion="stack"] .hd-hero-panel {
    opacity: 1;
    visibility: visible;
    transition: none;
    will-change: transform;
  }

  .hd-hero-scroll[data-hero-motion="stack"] .hd-hero-panel.is-active {
    transform: none;
  }
}

@media (prefers-reduced-motion: reduce) {
  .hd-hero-panel {
    transition: none;
    transform: none;
  }

  .hd-hero-panel.is-active {
    transform: none;
  }

  .hd-hero__scene-img,
  .hd-hero-panel.is-active .hd-hero__scene-img {
    transform: none;
    transition: none;
  }

  .hd-hero-scroll__progress > span {
    transition: none;
  }
}

/* ==========================================================================
   ELEVATED DESIGN SYSTEM & UN-JACKED HERO LAYOUT
   ========================================================================== */

/* Mega-Menu Dropdown Backdrop Filter & Shadow */
.nav-dropdown__panel {
  background: rgba(255, 255, 255, 0.94) !important;
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 20px 48px -12px rgba(10, 31, 68, 0.16) !important;
  border: 1px solid rgba(226, 232, 240, 0.8) !important;
  border-radius: var(--radius-card);
}

body[data-theme="dark"] .nav-dropdown__panel {
  background: rgba(10, 31, 68, 0.92) !important;
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 20px 48px -12px rgba(0, 0, 0, 0.5) !important;
  border: 1px solid rgba(255, 255, 255, 0.12) !important;
}

/* Split-Screen Hero Clean */
.hd-hero-clean {
  position: relative;
  background: linear-gradient(135deg, #0a1f44 0%, #0f2d60 50%, #1447e6 100%);
  color: #ffffff;
  padding: 4.5rem 0 5rem;
  overflow: hidden;
}

.hd-hero-clean::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 20%, rgba(59, 130, 246, 0.25) 0%, transparent 60%);
  pointer-events: none;
}

.hd-hero-clean__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3.5rem;
  align-items: center;
}

@media (min-width: 1024px) {
  .hd-hero-clean__inner {
    grid-template-columns: 1.1fr 0.9fr;
    gap: 4rem;
  }
}

.hd-hero-clean__tabs {
  display: inline-flex;
  gap: 0.5rem;
  padding: 0.35rem;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(12px);
  border-radius: var(--radius-pill);
  border: 1px solid rgba(255, 255, 255, 0.15);
  margin-bottom: 2rem;
  flex-wrap: wrap;
}

.hd-hero-clean__tab {
  padding: 0.5rem 1.25rem;
  border-radius: var(--radius-pill);
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.75);
  transition: all 200ms ease;
  background: transparent;
  border: none;
  cursor: pointer;
}

.hd-hero-clean__tab.is-active,
.hd-hero-clean__tab:hover {
  background: #ffffff;
  color: var(--brand-navy);
  font-weight: 600;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
}

.hd-hero-clean__panel {
  display: none;
}

.hd-hero-clean__panel.is-active {
  display: block;
  animation: heroFadeIn 300ms cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

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

.hd-hero-clean .hd-brandmark {
  margin-bottom: 1.25rem;
}

.hd-hero-clean .hd-hero__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(2.25rem, 4vw, 3.5rem);
  line-height: 1.1;
  letter-spacing: -0.025em;
  color: #ffffff;
  margin-bottom: 1.25rem;
}

.hd-hero-clean .hd-hero__sub {
  font-size: clamp(1rem, 1.8vw, 1.2rem);
  line-height: 1.6;
  color: rgba(244, 247, 255, 0.85);
  max-width: 36ch;
  margin-bottom: 2rem;
}

.hd-hero-clean .hd-hero__ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.hd-hero-clean .hd-btn--primary {
  background: #ffffff;
  color: var(--brand-navy);
  font-weight: 600;
  padding: 0.85rem 1.75rem;
  border-radius: var(--radius-pill);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
  transition: all 200ms ease;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.hd-hero-clean .hd-btn--primary:hover {
  background: #f1f5f9;
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.3);
}

.hd-hero-clean .hd-btn--ghost {
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.3);
  padding: 0.85rem 1.5rem;
  border-radius: var(--radius-pill);
  font-weight: 500;
  transition: all 200ms ease;
}

.hd-hero-clean .hd-btn--ghost:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.6);
}

.hd-hero-clean .hd-hero__micro {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.65);
  margin-bottom: 1.5rem;
}

.hd-hero-clean .hd-trust-line {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.7);
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  margin-bottom: 2rem;
}

.hd-hero-stats {
  display: flex;
  gap: 2rem;
  flex-wrap: wrap;
}

.hd-hero-stat {
  display: flex;
  flex-direction: column;
}

.hd-hero-stat__val {
  font-family: var(--font-mono);
  font-size: 1.35rem;
  font-weight: 700;
  color: #ffffff;
}

.hd-hero-stat__lbl {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

/* Credit Simulator Card */
.hd-sim-card {
  background: #ffffff;
  color: var(--brand-navy);
  border-radius: 1.25rem;
  padding: 2rem;
  box-shadow: 0 24px 60px -12px rgba(0, 0, 0, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.2);
  position: relative;
}

body[data-theme="dark"] .hd-sim-card {
  background: #0f2347;
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.12);
}

.hd-sim-card__header {
  margin-bottom: 1.5rem;
}

.hd-sim-card__badge {
  display: inline-block;
  padding: 0.25rem 0.75rem;
  background: rgba(20, 71, 230, 0.1);
  color: var(--brand-credi);
  font-family: var(--font-mono);
  font-size: 0.725rem;
  font-weight: 600;
  border-radius: var(--radius-pill);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.5rem;
}

body[data-theme="dark"] .hd-sim-card__badge {
  background: rgba(59, 130, 246, 0.2);
  color: var(--brand-sky);
}

.hd-sim-card__title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  line-height: 1.25;
  margin-bottom: 0.35rem;
}

.hd-sim-card__desc {
  font-size: 0.875rem;
  color: var(--muted-foreground);
}

.hd-sim-field {
  margin-bottom: 1.25rem;
}

.hd-sim-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.hd-sim-select {
  width: 100%;
  padding: 0.75rem 1rem;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--background);
  color: var(--foreground);
  font-size: 0.925rem;
  font-weight: 500;
}

.hd-sim-field__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.5rem;
}

.hd-sim-val {
  font-family: var(--font-mono);
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
}

.hd-sim-range {
  width: 100%;
  accent-color: var(--primary);
  cursor: pointer;
}

.hd-sim-range__ticks {
  display: flex;
  justify-content: space-between;
  font-family: var(--font-mono);
  font-size: 0.725rem;
  color: var(--muted-foreground);
  margin-top: 0.25rem;
}

.hd-sim-result {
  background: var(--muted);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
  border: 1px solid var(--border);
}

.hd-sim-result__lbl {
  display: block;
  font-size: 0.775rem;
  color: var(--muted-foreground);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 0.25rem;
}

.hd-sim-result__val {
  font-family: var(--font-mono);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--foreground);
  display: block;
}

.hd-sim-result__meta {
  display: flex;
  gap: 1rem;
  font-size: 0.75rem;
  color: var(--muted-foreground);
  margin-top: 0.75rem;
  padding-top: 0.5rem;
  border-top: 1px dashed var(--border);
  flex-wrap: wrap;
}

.hd-btn--full {
  width: 100%;
  justify-content: center;
  text-align: center;
}

.hd-sim-legal {
  font-size: 0.725rem;
  color: var(--muted-foreground);
  margin-top: 0.85rem;
  line-height: 1.4;
}

/* Card Elevation & Hover Micro-Interactions */
.hd-journey,
.hd-modal,
.hd-diff,
.hd-guarantee,
.hd-security__item {
  transition: transform 250ms var(--motion-ease), box-shadow 250ms var(--motion-ease), border-color 250ms ease !important;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
}

.hd-journey:hover,
.hd-modal:hover,
.hd-diff:hover,
.hd-guarantee:hover,
.hd-security__item:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover) !important;
  border-color: rgba(20, 71, 230, 0.4) !important;
}

/* Soft band fallback alinhado às bandas do site */
.hd-section--soft {
  background: var(--band-b, var(--brand-ice));
}

body[data-theme="dark"] .hd-section--soft {
  background: var(--band-b, color-mix(in srgb, var(--brand-sky) 26%, var(--brand-navy)));
}

.hd-security {
  background: var(--brand-navy);
  color: #ffffff;
  padding: 2.5rem;
  border-radius: 1.25rem;
  border: 1px solid rgba(255, 255, 255, 0.1);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.25);
}

.hd-security .hd-security__item {
  background: rgba(255, 255, 255, 0.05);
  border-color: rgba(255, 255, 255, 0.12);
  color: #ffffff;
}

.hd-security .hd-security__item:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: var(--brand-sky) !important;
}

.hd-security .hd-security__text {
  color: rgba(244, 247, 255, 0.8);
}

.hd-security .hd-security__link {
  color: var(--brand-sky);
}

/* Touch targets and mobile responsiveness */
.menu-toggle {
  min-width: 44px;
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.theme-toggle:not(.panel-nav__action) {
  min-width: 44px;
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.screen-reader-text,
.skip-link {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link:focus {
  position: fixed;
  top: 0.75rem;
  left: 0.75rem;
  z-index: 10000;
  width: auto;
  height: auto;
  margin: 0;
  clip: auto;
  overflow: visible;
  padding: 0.75rem 1rem;
  background: var(--bg, #fff);
  color: var(--fg, #0a1f44);
  border-radius: 8px;
}

body.admin-bar .site-header {
  top: 32px;
}

@media (max-width: 782px) {
  body.admin-bar .site-header {
    top: 46px;
  }
}