/* ==========================================================================
   Futura Intermediação de Crédito
   Design system
   ========================================================================== */

:root{
  --gold: #b5956e;
  --gold-dark: #93765495;
  --gold-deep: #8a6c48;
  --gold-soft: #e7dcce;
  --dark: #3c1515;
  --dark-soft: #561f1f;
  --light: #f1f1f1;
  --white: #ffffff;
  --ink: #1c1c1c;
  --ink-70: rgba(28,28,28,.7);
  --ink-50: rgba(28,28,28,.5);
  --line: rgba(28,28,28,.12);
  --line-on-dark: rgba(241,241,241,.16);

  --font-display: "Noto Serif", "Iowan Old Style", Georgia, serif;
  --font-body: "Archivo", "Helvetica Neue", Arial, sans-serif;

  --container: 1180px;
  --radius: 2px;
  --ease: cubic-bezier(.4,0,.2,1);
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin: 0;
  background: var(--light);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img{ max-width: 100%; display: block; }
[hidden]{ display: none !important; }
a{ color: inherit; text-decoration: none; }
ul{ margin: 0; padding: 0; list-style: none; }
button{ font-family: inherit; cursor: pointer; }
input, select, textarea{ font-family: inherit; font-size: 1rem; }

h1,h2,h3,h4{
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.28;
  letter-spacing: -0.01em;
  margin: 0 0 .45em;
  color: var(--dark);
}
h1{ font-size: clamp(1.9rem, 4.4vw, 3.6rem); font-weight: 700; line-height: 1.18; }
h2{ font-size: clamp(1.5rem, 3vw, 2.4rem); line-height: 1.22; }
h3{ font-size: 1.25rem; }
p{ margin: 0 0 1em; }
.lede{ font-size: 1.15rem; color: var(--ink-70); max-width: 640px; }

.eyebrow{
  font-family: var(--font-body);
  font-size: .72rem;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--gold-deep);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: .6em;
  margin-bottom: .9em;
}
.eyebrow::before{
  content: "";
  width: 22px; height: 1px;
  background: var(--gold-deep);
  display: inline-block;
}

.container{
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: 28px;
}
section{ padding-block: clamp(56px, 8vw, 108px); }
.section-tight{ padding-block: clamp(40px,5vw,64px); }

/* ---------- Buttons ---------- */
.btn{
  display: inline-flex;
  align-items: center;
  gap: .55em;
  padding: .95em 1.7em;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font-size: .9rem;
  font-weight: 600;
  letter-spacing: .02em;
  transition: background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
  white-space: nowrap;
}
/* Dourado metálico, igual ao F do logo */
.btn-primary{
  background-color: var(--gold);
  background-image: linear-gradient(115deg, #7f5428 0%, #b98c5b 22%, #e6c48f 42%, #c49868 58%, #9c7244 80%, #7f5428 100%);
  background-size: 220% 100%;
  background-position: 0% 50%;
  color: var(--white);
  text-shadow: 0 1px 1px rgba(60,35,10,.35);
  transition: background-position .6s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
}
.btn-primary:hover{ background-position: 100% 50%; }
.btn-dark{ background: var(--dark); color: var(--light); }
.btn-dark:hover{ background: var(--ink); }
.btn-outline{ background: transparent; border-color: currentColor; color: var(--dark); }
.btn-outline:hover{ background: var(--dark); color: var(--light); border-color: var(--dark); }
.btn-outline-light{ background: transparent; border-color: var(--line-on-dark); color: var(--light); }
.btn-outline-light:hover{ background: var(--light); color: var(--dark); }
.btn-block{ width: 100%; justify-content: center; }
.btn[disabled]{ opacity:.5; cursor:not-allowed; }

/* ---------- Header ---------- */
.site-header{
  position: sticky; top: 0; z-index: 100;
  background: rgba(241,241,241,.92);
  border-bottom: 1px solid var(--line);
}
.site-header .container{
  display: flex; align-items: center; justify-content: space-between;
  height: 128px;
}
.brand{ display: flex; align-items: center; gap: .7em; }
.brand img{ height: 116px; width: auto; }
.brand-name{ display:none; }

.main-nav{ display: flex; align-items: center; gap: 2.1rem; }
.main-nav a{
  font-size: .88rem; font-weight: 600; letter-spacing: .01em;
  color: var(--ink-70);
  position: relative;
  padding-block: 6px;
  transition: color .2s var(--ease);
}
.main-nav a:hover, .main-nav a[aria-current="page"]{ color: var(--dark); }
.main-nav a[aria-current="page"]::after{
  content:""; position:absolute; left:0; right:0; bottom:0; height:2px; background: var(--gold);
}
.header-actions{ display: flex; align-items: center; gap: 1.4rem; }
.nav-toggle{
  display: none; background: none; border: none; padding: 8px;
  flex-direction: column; gap: 5px;
}
.nav-toggle span{ width: 22px; height: 2px; background: var(--dark); display:block; }

@media (max-width: 900px){
  .main-nav{
    position: fixed; inset: 128px 0 0 0; background: var(--dark);
    flex-direction: column; justify-content: flex-start;
    padding: 2.2rem 28px; gap: 0;
    transform: translateX(100%); transition: transform .35s var(--ease);
    overflow-y: auto;
  }
  .main-nav.is-open{ transform: translateX(0); }
  .main-nav a{ color: var(--light); width: 100%; padding: 1rem 0; border-bottom: 1px solid var(--line-on-dark); font-size: 1.05rem; }
  .main-nav a[aria-current="page"]::after{ display: none; }
  .main-nav a[aria-current="page"]{ color: var(--gold); }
  .nav-toggle{ display: flex; }
  .header-actions .btn-primary{ display: none; }
}

/* ---------- Hero ---------- */
.hero{
  background: var(--dark);
  color: var(--light);
  position: relative;
  overflow: hidden;
}
.hero .container{
  padding-block: clamp(24px, 3vw, 40px);
  position: relative; z-index: 2;
  display: grid;
  gap: 1.8rem;
}
.hero h1{ color: var(--white); font-size: clamp(1.8rem, 3.4vw, 2.75rem); }
.hero-break{ display: none; }
@media (max-width: 640px){
  .hero h1{ font-size: 1.55rem; }
  .hero-break{ display: inline; }
}
.hero .lede{ color: rgba(241,241,241,.8); }
.hero-actions{ display: flex; gap: 1rem; flex-wrap: wrap; margin-top: .5rem; }
.hero-lines{
  position:absolute; inset:0; z-index:1; opacity:.5;
  background:
    repeating-linear-gradient(115deg, transparent 0 84px, rgba(181,149,110,.14) 84px 85px);
  pointer-events:none;
}
.hero-stats{
  display:grid; grid-template-columns: repeat(3,1fr); gap: 1.5rem;
  padding-top: 1.6rem; border-top: 1px solid var(--line-on-dark);
}
@media (max-width: 640px){ .hero-stats{ grid-template-columns: 1fr; gap: 1rem; } }
.hero-stats strong{ display:block; font-family: var(--font-display); font-size: 1.9rem; color: var(--gold); font-weight: 500; }
.hero-stats span{ font-size: .82rem; color: rgba(241,241,241,.7); }

.hero-grid{ display:grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; align-items:end; }
@media (max-width: 900px){ .hero-grid{ grid-template-columns: 1fr; } }
.hero-photo{ position:relative; display:flex; justify-content:center; }
.hero-photo::before{
  content:""; position:absolute; left:50%; bottom:6%; width:130%; aspect-ratio:1/1; transform:translateX(-50%);
  background: radial-gradient(closest-side, rgba(181,149,110,.34), transparent 72%);
  z-index:0;
}
.hero-photo img{ position:relative; z-index:1; width:100%; height:auto; }
@media (max-width: 900px){ .hero-photo{ margin-top: 1rem; max-width: 420px; margin-inline:auto; } }

/* ---------- Cards / grids ---------- */
.grid{ display: grid; gap: 1.6rem; }
.grid-2{ grid-template-columns: repeat(2, 1fr); }
.grid-3{ grid-template-columns: repeat(3, 1fr); }
.grid-4{ grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px){ .grid-3{ grid-template-columns: repeat(2,1fr);} .grid-4{ grid-template-columns: repeat(2,1fr);} }
@media (max-width: 620px){ .grid-2, .grid-3, .grid-4{ grid-template-columns: 1fr; } }

.card{
  background: var(--white);
  border: 1px solid var(--line);
  padding: 2.2rem;
  border-radius: var(--radius);
  transition: border-color .25s var(--ease), transform .25s var(--ease);
}
.card:hover{ border-color: var(--gold); }
.card .num{ font-family: var(--font-display); color: var(--gold); font-size: 1rem; margin-bottom: 1rem; display:block; }
.card h3{ margin-bottom: .5rem; }
.card p{ color: var(--ink-70); font-size: .95rem; margin-bottom: 0; }

.card-dark{ background: var(--dark); color: var(--light); border-color: transparent; position: relative; }
.card-dark h3{ color: var(--white); }
.card-dark p{ color: rgba(241,241,241,.78); }
.card-dark a.card-link{ color: var(--gold); font-weight: 600; font-size: .85rem; }
.card-dark a.card-link::after{ content:""; position: absolute; inset: 0; }
.card-dark:has(a.card-link){ cursor: pointer; }

/* Service / simulator link tile */
.tile{
  display:flex; flex-direction:column; justify-content:space-between;
  background: var(--white); border:1px solid var(--line); padding: 2rem;
  min-height: 220px; border-radius: var(--radius);
  transition: border-color .25s var(--ease), background .25s var(--ease);
}
.tile:hover{ border-color: var(--gold); background: #fdfcfb; }
@media (max-width: 620px){
  .grid{ gap: .9rem; }
  .tile{
    min-height: 0; flex-direction: row; align-items: center; justify-content: space-between;
    gap: 1rem; padding: 1rem 1.2rem;
  }
  .tile p{ display: none; }
  .tile .tile-arrow{ flex-shrink: 0; }
}
.tile h3{ margin-bottom:.4rem; }
.tile p{ color: var(--ink-70); font-size: .92rem; margin-bottom: 1.2rem; }
.tile .tile-arrow{ font-family: var(--font-display); color: var(--gold); font-size: 1.1rem; }

.service-links{ display:grid; grid-template-columns: repeat(5, 1fr); gap: 1rem; }
@media (max-width: 1024px){ .service-links{ grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 640px){ .service-links{ grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 420px){ .service-links{ grid-template-columns: 1fr; } }
.service-links a{
  display:flex; flex-direction:column; align-items:flex-start; gap: .6rem;
  padding: 1.3rem 1.4rem; background: var(--white); border:1px solid var(--line); border-radius: var(--radius);
  transition: border-color .25s var(--ease), background .25s var(--ease);
}
.service-links a:hover{ border-color: var(--gold); background: #fdfcfb; }
.service-links .service-icon{ width: 26px; height: 26px; color: var(--gold); }
.service-links .service-icon svg{ width:100%; height:100%; }
.service-links .service-label{ font-family: var(--font-display); font-size: 1rem; color: var(--dark); }
.service-links .tile-arrow{ font-family: var(--font-display); color: var(--gold); font-size: 1.05rem; margin-top: auto; align-self:flex-end; }

.service-includes{ font-size: .88rem; color: var(--ink-50); border-top: 1px solid var(--line); padding-top: 1rem; margin-top: 1.4rem; margin-bottom: 1.8rem; }

/* ---------- Section variants ---------- */
.section-dark{ background: var(--dark); color: var(--light); }
.section-dark h2, .section-dark h3{ color: var(--white); }
.section-dark p{ color: rgba(241,241,241,.78); }
.section-dark .eyebrow{ color: var(--gold); }
.section-dark .eyebrow::before{ background: var(--gold); }

.section-head{ margin-bottom: 3rem; }
.section-head.center{ margin-inline:auto; text-align:center; }

.split{ display:grid; grid-template-columns: 1fr 1fr; gap: 3.5rem; align-items:center; }
@media (max-width: 860px){ .split{ grid-template-columns: 1fr; gap: 2rem; } }

.media-frame{ position:relative; border-radius: var(--radius); overflow:hidden; }
.media-frame img{ width:100%; height:100%; object-fit:cover; }

.services-grid-3{ display:grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
@media (max-width: 980px){ .services-grid-3{ grid-template-columns: 1fr; gap: 2.4rem; } }
.service-card{
  display:flex; flex-direction:column;
  background: var(--white); border:1px solid var(--line); border-radius: var(--radius);
  overflow:hidden; transition: border-color .25s var(--ease);
}
.service-card:hover{ border-color: var(--gold); }
.service-card .media-frame{ border-radius:0; aspect-ratio: 4/3; }
.service-card-body{ display:flex; flex-direction:column; flex:1; padding: 1.6rem 1.6rem 1.8rem; }
.service-card-body .eyebrow{ margin-bottom: .9rem; }
.service-card-body h3{ margin-bottom: .7rem; }
.service-card-body p{ color: var(--ink-70); font-size: .95rem; margin-bottom: 1.5rem; }
.service-card-body .btn{ margin-top:auto; align-self:flex-start; }

/* ---------- Footer ---------- */
.site-footer{ background: var(--ink); color: rgba(241,241,241,.75); padding-block: 4.5rem 2rem; }
.footer-grid{ display:grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 2.5rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(241,241,241,.1); }
@media (max-width: 860px){
  .footer-grid{ grid-template-columns: 1fr 1fr; gap: 2rem; }
  .footer-brand{ grid-column: 1 / -1; }
}
@media (max-width: 560px){
  .footer-grid{ gap: 1.8rem 1.5rem; padding-bottom: 2rem; }
  .footer-grid a{ padding-block: .22rem; }
  .site-footer{ padding-block: 3rem 1.5rem; }
}
.footer-grid h4{ color: var(--light); font-family: var(--font-body); font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 1.1rem; font-weight:700;}
.footer-grid a{ display:block; font-size: .92rem; padding-block: .3rem; color: rgba(241,241,241,.68); transition: color .2s; }
.footer-grid a:hover{ color: var(--gold); }
.footer-brand img{ height: 84px; margin-bottom: 1.1rem; }
.footer-brand p{ font-size: .88rem; max-width: 34ch; color: rgba(241,241,241,.68); }
.footer-bottom{ display:flex; justify-content:space-between; align-items:center; padding-top: 2rem; font-size: .78rem; color: rgba(241,241,241,.6); flex-wrap: wrap; gap: 1rem; }
.footer-id{ font-size: .78rem; color: rgba(241,241,241,.7); margin-top: 1.4rem; line-height: 1.7; }
.footer-id a{ color: inherit; }
.footer-id + .footer-legal{ margin-top: .6rem; }
.footer-legal{ font-size: .74rem; color: rgba(241,241,241,.58); max-width: 74ch; line-height:1.7; margin-top: 1.4rem; }
.footer-legal-links{ display:flex; flex-wrap:wrap; gap: .4rem 1.4rem; margin-top: .9rem; }
.footer-legal-links a{ font-size: .78rem; color: rgba(241,241,241,.6); text-decoration: underline; text-underline-offset: 2px; }
.footer-legal-links a:hover{ color: var(--gold); }

/* ---------- Forms ---------- */
.form-grid{ display:grid; gap: 1.3rem; }
.form-row-2{ display:grid; grid-template-columns: 1fr 1fr; gap: 1.3rem; }
@media (max-width: 620px){ .form-row-2{ grid-template-columns: 1fr; } }
.field label{ display:block; font-size: .78rem; font-weight:700; letter-spacing:.04em; text-transform:uppercase; color: var(--ink-70); margin-bottom: .5rem; }
.field .hint{ display:block; font-size: .78rem; color: var(--ink-50); margin-top: .35rem; font-weight: 400; text-transform:none; letter-spacing:0; }
.field input, .field select, .field textarea{
  width:100%; padding: .85em 1em; border: 1px solid var(--line); background: var(--white);
  border-radius: var(--radius); color: var(--ink); transition: border-color .2s;
}
.field input:focus, .field select:focus, .field textarea:focus{ outline:none; border-color: var(--gold); }
.field textarea{ resize: vertical; min-height: 120px; }
.field-range{ display:flex; align-items:center; gap: 1rem; }
.field-range input[type=range]{ flex:1; accent-color: var(--gold); }
.field-range output{ min-width: 5.5em; text-align:right; font-variant-numeric: tabular-nums; font-weight:700; }

.checkbox-row{ display:flex; align-items:flex-start; gap:.7em; font-size:.88rem; color: var(--ink-70); }
.checkbox-row input{ margin-top:.3em; accent-color: var(--gold); }

.form-note{ font-size: .78rem; color: var(--ink-50); }
.form-success, .form-error{ padding: 1rem 1.2rem; border-radius: var(--radius); font-size: .92rem; margin-top: 1rem; }
.form-success{ background: #f6eded; color: #3c1515; border:1px solid #e3cccc; }
.form-error{ background: #fbeceb; color: #7a2a24; border:1px solid #f0cfcb; }

/* ---------- Simulators ---------- */
.sim-shell{ display:grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items:start; }
@media (max-width: 940px){ .sim-shell{ grid-template-columns:1fr; } }
.sim-panel{ background: var(--white); border:1px solid var(--line); padding: 2.4rem; border-radius: var(--radius); }
.sim-results{ background: var(--dark); color: var(--light); padding: 2.4rem; border-radius: var(--radius); position: sticky; top: 110px; }
.sim-results h3{ color: var(--white); }
.result-row{ display:flex; justify-content:space-between; align-items:baseline; padding-block: 1rem; border-bottom: 1px solid var(--line-on-dark); }
.result-row:last-of-type{ border-bottom:none; }
.result-row .label{ font-size: .85rem; color: rgba(241,241,241,.72); }
.result-row .value{ font-family: var(--font-body); font-weight: 700; font-size: 1.5rem; color: var(--gold); font-variant-numeric: tabular-nums; }
.result-row .value.small{ font-size: 1.15rem; color: var(--white); }
.sim-disclaimer{ font-size: .76rem; color: rgba(241,241,241,.62); margin-top: 1.6rem; line-height:1.6; }
.sim-disclaimer-light{ font-size: .78rem; color: var(--ink-50); border-top:1px solid var(--line); padding-top:1.2rem; margin-top: 1.5rem; line-height:1.6; }

.sim-tabs{ display:flex; flex-wrap:wrap; gap:.6rem; margin-bottom: 2.6rem; }
.sim-tabs a{
  font-size:.82rem; font-weight:600; padding: .6em 1.1em; border:1px solid var(--line); border-radius: 999px;
  color: var(--ink-70);
}
.sim-tabs a:hover{ border-color: var(--gold); color: var(--dark); }
.sim-tabs a[aria-current="page"]{ background: var(--dark); color: var(--white); border-color: var(--dark); }

.imi-table{ width:100%; border-collapse: collapse; font-size:.88rem; margin-top:1rem; }
.imi-table th, .imi-table td{ text-align:left; padding: .6rem .8rem; border-bottom: 1px solid var(--line); }
.imi-table th{ font-size:.72rem; text-transform:uppercase; letter-spacing:.06em; color: var(--ink-50); }

.compare-table{ width:100%; border-collapse:collapse; margin-top:1rem; }
.compare-table th, .compare-table td{ padding: .8rem 1rem; border-bottom:1px solid var(--line-on-dark); font-size:.9rem; }
.compare-table th{ text-align:left; color: rgba(241,241,241,.7); font-weight:600; font-size:.78rem; text-transform:uppercase; }
.compare-table td.value{ font-family: var(--font-body); font-weight: 700; color: var(--gold); font-size:1.1rem; }

/* ---------- Page hero (interior pages) ---------- */
.page-hero{ background: var(--dark); color: var(--light); padding-block: clamp(64px,9vw,110px) clamp(48px,7vw,72px); }
.page-hero .eyebrow{ color: var(--gold); }
.page-hero .eyebrow::before{ background: var(--gold); }
.page-hero h1{ color: var(--white); }
.page-hero .lede{ color: rgba(241,241,241,.8); }
.breadcrumb{ font-size:.8rem; color: rgba(241,241,241,.65); margin-bottom: 1.4rem; }
.breadcrumb a:hover{ color: var(--gold); }

/* ---------- Legal pages ---------- */
.legal-text{ max-width: 74ch; }
.legal-text h2{ font-size: 1.3rem; margin-top: 2.2rem; margin-bottom: .6rem; }
.legal-text h2:first-of-type{ margin-top: 1.6rem; }
.legal-text p{ color: var(--ink-70); margin-bottom: 1rem; line-height: 1.7; }
.legal-text a{ color: var(--gold-deep); text-decoration: underline; text-underline-offset: 2px; }
.legal-note{ margin-top: 2.4rem; padding-top: 1.4rem; border-top: 1px solid var(--line); font-size: .85rem; font-style: italic; color: var(--ink-50); }

/* ---------- Utilities ---------- */
.text-gold{ color: var(--gold); }
.mt-0{ margin-top:0; } .mb-0{ margin-bottom:0; }
.divider{ height:1px; background: var(--line); border:none; margin-block: 3rem; }
.cta-band{ background: var(--gold-soft); color: var(--dark); }
.cta-band h2{ color: var(--dark); }
.cta-band .lede{ color: var(--ink-70); max-width: none; }
.cta-band-inner{ display:flex; justify-content:space-between; align-items:center; gap:2rem; flex-wrap:wrap; }

.skip-link{ position:absolute; left:-999px; top:0; background:var(--dark); color:var(--white); padding: .8em 1.2em; z-index: 200; }
.skip-link:focus{ left: 12px; top: 12px; }

.note-free{ font-size:.85rem; color: var(--ink-50); margin-top: 1rem; }
.note-free-light{ font-size:.85rem; color: rgba(241,241,241,.65); margin-top: 1rem; }
.badge-free{
  display:inline-flex; align-items:center; gap:.5em;
  font-size:.78rem; font-weight:700; letter-spacing:.03em;
  color: var(--gold); border:1px solid var(--line-on-dark);
  padding: .5em 1em; border-radius: 999px; margin-top: 1.4rem;
}
.badge-free::before{ content:"✓"; }

/* ---------- Logo marquee (bancos parceiros) ---------- */
.partners{ padding-block: clamp(32px, 4vw, 48px); }
.partners .section-head{ margin-bottom: 2rem; }
.partners .section-head h2{ font-size: clamp(1.3rem, 2.2vw, 1.95rem); }
.logo-row{ display: flex; justify-content: center; align-items: center; flex-wrap: wrap; gap: clamp(2rem, 6vw, 5rem); }
.logo-row img{ height: 56px; width: auto; max-width: 200px; object-fit: contain; }
@media (max-width: 520px){ .logo-row img{ height: 42px; } }

/* ---------- WhatsApp flutuante ---------- */
.wa-widget{
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 9999;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 12px;
  font-family: var(--font-body);
}
.wa-row{ display: flex; align-items: center; gap: 10px; }
.wa-tooltip[hidden]{ display: none; }
.wa-tooltip{
  display: flex;
  align-items: center;
  gap: .6em;
  background: var(--white);
  color: var(--dark);
  padding: .75em 1em;
  border-radius: 999px;
  box-shadow: 0 10px 26px rgba(0,0,0,.16);
  font-size: .86rem;
  font-weight: 500;
  border: none;
  cursor: pointer;
  white-space: nowrap;
}
.wa-tooltip-close{
  background: none; border: none; padding: 0; margin: 0 0 0 .2em;
  color: var(--ink-50); font-size: 1.1rem; line-height: 1; cursor: pointer;
}
.wa-fab{
  width: 58px; height: 58px;
  border-radius: 50%;
  background: #3c1515;
  border: none;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 10px 26px rgba(0,0,0,.22);
  cursor: pointer;
  flex-shrink: 0;
  transition: transform .2s var(--ease);
}
.wa-fab:hover{ transform: scale(1.06); }
.wa-fab svg{ width: 28px; height: 28px; fill: var(--white); }
.wa-card{
  width: min(320px, calc(100vw - 40px));
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 24px 60px rgba(0,0,0,.28);
}
.wa-card-header{
  background: var(--dark);
  color: var(--white);
  padding: 1rem 1.1rem;
  display: flex;
  align-items: center;
  gap: .8rem;
  position: relative;
}
.wa-card-avatar{
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--white);
  object-fit: contain;
  padding: 5px;
  flex-shrink: 0;
}
.wa-card-header strong{ display: block; font-size: .95rem; font-weight: 700; }
.wa-card-header span{ display: block; font-size: .74rem; color: rgba(241,241,241,.75); margin-top: .1em; }
.wa-card-close{
  position: absolute; top: .7rem; right: .8rem;
  background: none; border: none; color: rgba(241,241,241,.8);
  font-size: 1.2rem; line-height: 1; cursor: pointer; padding: .2em;
}
.wa-card-body{ padding: 1rem 1.1rem 1.1rem; background: #eae6e1; }
.wa-bubble{
  background: var(--white);
  border-radius: 12px 12px 12px 2px;
  padding: .7em .85em;
  font-size: .86rem;
  color: var(--ink);
  box-shadow: 0 1px 3px rgba(0,0,0,.1);
  margin-bottom: 1rem;
}
.wa-bubble-author{ display: block; font-size: .68rem; font-weight: 700; color: var(--gold-deep); margin-bottom: .25em; }
.wa-card-cta{
  display: flex; align-items: center; justify-content: center; gap: .6em;
  background: #3c1515; color: var(--white);
  padding: .8em 1em; border-radius: 999px;
  font-weight: 600; font-size: .9rem;
  transition: background .2s var(--ease);
}
.wa-card-cta:hover{ background: #561f1f; }
.wa-card-cta svg{ width: 18px; height: 18px; fill: var(--white); }
@media (max-width: 480px){
  .wa-widget{ right: 14px; bottom: 14px; }
  .wa-fab{ width: 52px; height: 52px; }
  .wa-fab svg{ width: 25px; height: 25px; }
  .wa-tooltip{ font-size: .8rem; padding: .65em .9em; }
}

/* ---------- Formulário de contacto em passos ---------- */
.contacto-split{ grid-template-columns: 1.35fr 1fr; align-items: start; }
@media (max-width: 860px){ .contacto-split{ grid-template-columns: 1fr; } }
.lead-form [hidden]{ display: none !important; }
.lead-form{ scroll-margin-top: 150px; }
.lead-steps{
  list-style: none; padding: 0; margin: 0 0 2rem;
  display: grid; grid-template-columns: repeat(4, 1fr); gap: .5rem;
  counter-reset: passo;
}
.lead-steps li{
  counter-increment: passo;
  font-size: .72rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  color: var(--ink-50);
  padding-top: .7rem; border-top: 3px solid var(--line);
}
.lead-steps li::before{ content: counter(passo) ". "; }
.lead-steps li.is-done{ border-top-color: var(--gold); color: var(--ink-70); }
.lead-steps li.is-active{ border-top-color: var(--dark); color: var(--dark); }
.lead-steps li.is-skipped{ opacity: .4; }
.lead-step{ border: none; padding: 0; margin: 0; min-width: 0; }
.lead-step legend{
  font-family: var(--font-display); font-size: 1.45rem; font-weight: 600;
  color: var(--dark); margin-bottom: 1.4rem; padding: 0;
}
.lead-options{ display: grid; grid-template-columns: 1fr 1fr; gap: .8rem; }
.lead-option{
  position: relative; display: flex; flex-direction: column; gap: .2rem;
  padding: 1rem 1.1rem; border: 1px solid var(--line); border-radius: var(--radius);
  cursor: pointer; transition: border-color .2s var(--ease), background .2s var(--ease);
}
.lead-option:hover{ border-color: var(--gold); background: #fdfcfb; }
.lead-option input{ position: absolute; opacity: 0; pointer-events: none; }
.lead-option span{ font-weight: 700; font-size: .95rem; color: var(--ink); }
.lead-option small{ font-size: .8rem; color: var(--ink-50); }
.lead-option:has(input:checked){ border-color: var(--dark); background: #f8f2f2; box-shadow: inset 0 0 0 1px var(--dark); }
.lead-option:has(input:focus-visible){ outline: 2px solid var(--gold); outline-offset: 2px; }
.label-optional{ font-weight: 400; text-transform: none; letter-spacing: 0; color: var(--ink-50); }
.lead-nav{ display: flex; justify-content: space-between; gap: 1rem; margin-top: 2rem; }
.lead-nav [data-lead-next], .lead-nav button[type=submit]{ margin-left: auto; }
@media (max-width: 520px){
  .lead-options{ grid-template-columns: 1fr; }
  .lead-steps li{ font-size: 0; }
  .lead-steps li::before{ font-size: .78rem; content: counter(passo); }
}
.lead-aviso{ background: var(--gold-soft); color: var(--dark); font-size: .9rem; padding: .8rem 1rem; border-radius: var(--radius); margin: -.4rem 0 1.4rem; }
.lead-subtitulo{
  font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; color: var(--dark);
  margin: .6rem 0 -.3rem; padding-top: 1rem; border-top: 1px solid var(--line);
}

/* ---------- Simuladores de crédito habitação (formulário → resumo) ---------- */
.simx{ max-width: 820px; margin-inline: auto; }
.simx-form, .simx-result{ scroll-margin-top: 150px; }
.simx [hidden]{ display: none !important; }
.simx-grupo{ font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; color: var(--dark); margin: .4rem 0 -.4rem; }
.simx-grupo .label-optional{ font-family: var(--font-body); font-size: .82rem; }
.simx-hint-prazo{ margin-top: -.8rem; }
.field .hint.is-alerta{ color: #8a4b12; }
.simx-form .form-error{ margin: 0; }
.simx-calcular{ font-size: 1rem; padding-block: 1.15em; margin-top: .4rem; }

.simx-result{
  position: relative; text-align: center;
  background: var(--white); border: 1px solid var(--gold); border-radius: var(--radius);
  padding: 2.6rem 2.4rem 2rem; outline: none;
  animation: simx-entrar .35s var(--ease);
}
@keyframes simx-entrar{ from{ opacity: 0; transform: translateY(8px); } to{ opacity: 1; transform: none; } }
.simx-voltar{
  position: absolute; left: 1.1rem; top: 1rem;
  background: none; border: none; padding: .3rem; color: var(--gold-deep); font-weight: 600; font-size: .95rem;
}
.simx-voltar:hover{ color: var(--dark); }
.simx-kicker{ font-size: .95rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-deep); margin: 0 0 .4rem; }
.simx-sub{ font-size: .95rem; color: var(--ink-70); margin: 0; }
.simx-sub strong{ color: var(--ink); }
.simx-grande{
  font-family: var(--font-display); font-weight: 700; color: var(--dark);
  font-size: clamp(3.4rem, 10vw, 5.4rem); line-height: 1; margin: 1.1rem 0 .3rem;
  font-variant-numeric: tabular-nums; letter-spacing: -.02em;
}
.simx-dec{ font-size: .42em; vertical-align: top; position: relative; top: .2em; margin-left: .05em; letter-spacing: 0; }
.simx-unidade{ color: var(--gold-deep); font-weight: 600; margin: 0 0 1.8rem; }
/* Transferência: o rótulo "Poupança mensal" / "Não consegue poupar" em destaque, colado ao valor */
.simx-result-poupanca .simx-kicker{ font-family: var(--font-display); font-size: clamp(1.5rem, 4.4vw, 2.1rem); font-weight: 700; letter-spacing: .02em; text-transform: none; color: var(--gold-deep); margin: .4rem 0 0; }
.simx-result-poupanca .simx-grande{ margin-top: .5rem; }
.simx-result-poupanca .simx-unidade{ font-size: 1.05rem; }
.simx-result-poupanca.is-sem-poupanca .simx-kicker{ color: #9b2c2c; }
.simx-result-poupanca.is-sem-poupanca .simx-grande{ color: #9b2c2c; }
.simx-resumo, .simx-extra{ display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem .8rem; margin: 0; }
.simx-resumo{ border-block: 1px solid var(--line); padding-block: 1.2rem; }
.simx-extra{ padding-block: 1.1rem .2rem; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); }
.simx-resumo dt, .simx-extra dt{ font-size: .78rem; color: var(--ink-50); margin-bottom: .25rem; }
.simx-resumo dd, .simx-extra dd{ margin: 0; font-weight: 700; color: var(--ink); font-variant-numeric: tabular-nums; }
.simx-resumo dd{ font-size: 1.15rem; }
.simx-extra dd{ font-size: .98rem; }
@media (max-width: 620px){
  .simx-result{ padding: 3rem 1.2rem 1.6rem; }
  .simx-resumo{ grid-template-columns: 1fr 1fr; }
  .simx-extra{ grid-template-columns: 1fr 1fr; }
}
.simx-nota{ font-size: .88rem; color: var(--ink-70); margin: 1rem 0 0; }
.simx-aviso{ text-align: left; background: #f8f2f2; border-left: 3px solid var(--gold); padding: 1rem 1.2rem; font-size: .92rem; color: var(--ink); margin: 1.4rem 0 0; }
.simx-total{ background: var(--gold-soft); color: var(--dark); padding: .8rem 1rem; font-size: .93rem; margin: 1.3rem 0 0; border-radius: var(--radius); }

/* Botão de pedido: grande e bem visível depois do resultado */
.simx-cta, .cta-destaque{
  font-size: 1.08rem; letter-spacing: .06em; text-transform: uppercase;
  padding: 1.25em 1.6em; margin-top: 1.8rem;
  box-shadow: 0 10px 26px rgba(127,84,40,.32);
  animation: cta-brilho 3.2s var(--ease) infinite;
}
.simx-cta span{ transition: transform .25s var(--ease); }
.simx-cta:hover span{ transform: translateX(4px); }
@keyframes cta-brilho{ 0%, 60%{ background-position: 0% 50%; } 80%{ background-position: 100% 50%; } 100%{ background-position: 0% 50%; } }
@media (prefers-reduced-motion: reduce){ .simx-cta, .cta-destaque, .simx-result{ animation: none; } }
.simx-cta-nota{ font-size: .85rem; color: var(--ink-50); margin: .8rem 0 0; }
.simx-result .sim-disclaimer-light{ text-align: left; }

/* Pedido dentro do painel de resultados (IMT, IMI, taxa de esforço, amortização, compra vs. arrendamento) */
.sim-results .cta-destaque{ width: 100%; justify-content: center; margin-top: 1.4rem; white-space: normal; text-align: center; }
.sim-results .note-free-light{ text-align: center; margin-top: .7rem; }

/* Tabela de escalões de IMT */
.imt-tabela-wrap{ margin-top: 3rem; }
.imt-tabela-wrap h2{ font-size: 1.5rem; }
.imt-tabela{ width: 100%; border-collapse: collapse; background: var(--white); border: 1px solid var(--line); font-size: .92rem; font-variant-numeric: tabular-nums; }
.imt-tabela th, .imt-tabela td{ padding: .75rem 1rem; border-bottom: 1px solid var(--line); text-align: left; }
.imt-tabela th{ font-size: .72rem; letter-spacing: .06em; text-transform: uppercase; color: var(--ink-50); }
.imt-tabela td:not(:first-child), .imt-tabela th:not(:first-child){ text-align: right; }
.imt-tabela tr.is-atual td{ background: var(--gold-soft); font-weight: 700; color: var(--dark); }
@media (max-width: 560px){ .imt-tabela th, .imt-tabela td{ padding: .6rem .5rem; font-size: .82rem; } }

/* Compra vs. arrendamento */
.simx-largo{ max-width: 1040px; }
.ca-campos{ display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.3rem; }
@media (max-width: 860px){ .ca-campos{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px){ .ca-campos{ grid-template-columns: 1fr; } }
.ca-pressupostos summary{ cursor: pointer; font-size: .85rem; font-weight: 700; color: var(--gold-deep); padding: .3rem 0; }
.ca-pressupostos[open] summary{ margin-bottom: 1rem; }

.ca-result{ text-align: left; }
.ca-titulo-res{ text-align: center; font-size: 1.6rem; margin: .4rem 0 1.6rem; }
.ca-veredito{
  max-width: 640px; margin: 0 auto 2rem; text-align: center;
  background: var(--white); border: 1px solid var(--line); border-top: 4px solid var(--gold);
  box-shadow: 0 10px 28px rgba(60,21,21,.08); padding: 1.3rem 1.6rem;
}
.ca-veredito-titulo{ font-size: .95rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-deep); margin: 0 0 .6rem; }
.ca-veredito-texto{ font-size: .95rem; color: var(--ink-70); margin: 0; line-height: 1.65; }
.ca-veredito-texto strong{ color: var(--dark); }
.ca-veredito.is-arrendar{ border-top-color: var(--dark); }
.ca-veredito.is-arrendar .ca-veredito-titulo{ color: var(--dark); }

.ca-kpis{ display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-bottom: 1.6rem; }
.ca-kpi{ text-align: center; background: var(--white); border: 1px solid var(--line); border-top: 3px solid var(--line); padding: 1.2rem 1rem; }
.ca-kpi:first-child{ border-top-color: var(--gold); }
.ca-kpi p{ margin: 0; }
.ca-kpi-rotulo{ font-size: .72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-50); }
.ca-kpi-valor{ font-family: var(--font-display); font-weight: 700; font-size: 1.7rem; color: var(--dark); margin: .4rem 0 .3rem !important; font-variant-numeric: tabular-nums; }
.ca-kpi-valor.is-destaque{ color: var(--gold-deep); }
.ca-kpi-nota{ font-size: .78rem; color: var(--ink-50); }

.ca-colunas{ display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 2rem; align-items: start; }
.ca-coluna{ background: var(--light); padding: 1.4rem 1.4rem 1rem; }
.ca-coluna h3{ font-family: var(--font-body); font-size: .85rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; text-align: center; margin-bottom: 1rem; }
.ca-linhas{ margin: 0; }
.ca-linhas div{ display: flex; justify-content: space-between; gap: 1rem; padding: .35rem 0; font-size: .9rem; }
.ca-linhas dt{ color: var(--ink-70); }
.ca-linhas dd{ margin: 0; font-weight: 700; color: var(--ink); font-variant-numeric: tabular-nums; white-space: nowrap; }
.ca-linhas .is-sub{ font-size: .8rem; font-style: italic; padding-top: 0; }
.ca-linhas .is-sub dt, .ca-linhas .is-sub dd{ color: var(--ink-50); font-weight: 400; padding-left: .8rem; }
.ca-linhas .is-total{ border-top: 1px solid var(--line); margin-top: .4rem; padding-top: .7rem; }
.ca-linhas .is-total dt{ color: var(--ink); font-weight: 700; }
.ca-linhas .is-positivo dt, .ca-linhas .is-positivo dd{ color: var(--gold-deep); }
.ca-linhas .is-final{ border-top: 2px solid var(--dark); margin-top: .4rem; padding-top: .7rem; }
.ca-linhas .is-final dt{ color: var(--dark); font-weight: 700; }
.ca-linhas .is-final dd{ color: var(--dark); font-size: 1rem; }

.ca-evolucao h3{ font-family: var(--font-body); font-size: .85rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; margin-bottom: .8rem; }
.ca-tabela-wrap{ overflow-x: auto; }
.ca-tabela{ width: 100%; border-collapse: collapse; font-size: .88rem; font-variant-numeric: tabular-nums; min-width: 560px; }
.ca-tabela th{ background: var(--light); font-size: .72rem; letter-spacing: .04em; text-transform: uppercase; color: var(--ink-50); text-align: right; padding: .7rem .8rem; }
.ca-tabela td{ padding: .65rem .8rem; border-bottom: 1px solid var(--line); text-align: right; }
.ca-tabela th:first-child, .ca-tabela td:first-child{ text-align: left; }
.ca-tabela td.is-comprar{ color: var(--gold-deep); font-weight: 700; }
.ca-tabela td.is-arrendar{ color: var(--dark); font-weight: 700; }
.ca-tabela .ca-reticencias td{ text-align: center; color: var(--ink-50); letter-spacing: .3em; }
.ca-ver-todos{ background: none; border: none; padding: .7rem 0 0; color: var(--gold-deep); font-weight: 700; font-size: .85rem; }

@media (max-width: 720px){
  .ca-kpis, .ca-colunas{ grid-template-columns: 1fr; }
  .ca-coluna{ padding: 1.2rem 1rem .8rem; }
}

/* Aviso legal obrigatório em todos os simuladores (sempre visível) */
.aviso-legal{
  max-width: 1040px; margin: 2.4rem auto 0;
  background: var(--dark); color: rgba(241,241,241,.92);
  padding: 1.3rem 1.6rem; border-radius: var(--radius); border-left: 4px solid var(--gold);
  font-size: .95rem; line-height: 1.6;
}
.simx:not(.simx-largo) + .aviso-legal{ max-width: 820px; }
.aviso-legal p{ margin: 0; }
.aviso-legal p + p{ margin-top: .35rem; }

/* ---------- Aviso de cookies (só aparece quando há serviços de análise/marketing configurados) ---------- */
.cookies{
  position: fixed; left: 20px; bottom: 20px; z-index: 10000;
  width: min(460px, calc(100vw - 40px));
  background: var(--white); color: var(--ink);
  border-radius: 10px; box-shadow: 0 18px 50px rgba(0,0,0,.25);
  padding: 1.5rem 1.5rem 1.3rem;
}
.cookies h2{ font-size: 1.2rem; margin: 0 0 .6rem; }
.cookies p{ font-size: .88rem; color: var(--ink-70); margin: 0 0 1rem; line-height: 1.55; }
.cookies p a{ color: var(--gold-deep); text-decoration: underline; }
.cookies-cats{ display: grid; gap: .7rem; margin-bottom: 1.1rem; }
.cookies-cat{ display: flex; gap: .7rem; align-items: flex-start; font-size: .85rem; color: var(--ink-70); }
.cookies-cat input{ margin-top: .25rem; accent-color: var(--gold-deep); }
.cookies-cat strong{ display: block; color: var(--ink); }
.cookies-botoes{ display: grid; grid-template-columns: repeat(3, 1fr); gap: .6rem; }
.cookies-btn{
  padding: .8em .6em; font-size: .86rem; font-weight: 600; border-radius: var(--radius);
  border: 1px solid var(--dark); background: var(--white); color: var(--dark);
}
.cookies-btn:hover{ background: #f8f2f2; }
/* Rejeitar e Aceitar com o mesmo destaque, como recomenda a CNPD */
.cookies-btn-forte{ background: var(--dark); color: var(--white); }
.cookies-btn-forte:hover{ background: var(--ink); }
@media (max-width: 480px){
  .cookies{ left: 10px; right: 10px; bottom: 10px; width: auto; padding: 1.2rem; }
  .cookies-botoes{ grid-template-columns: 1fr; }
}

/* ---------- Fase de pré-lançamento (ver assets/js/atividade.js) ---------- */
html:not(.atividade-ativa) [data-atividade]{ display: none !important; }
html.atividade-ativa [data-pre-lancamento]{ display: none !important; }
.aviso-pre-lancamento{ background: var(--gold-soft); color: var(--dark); font-size: .88rem; line-height: 1.5; padding: .7rem 0; border-bottom: 1px solid rgba(60,21,21,.12); }
.pre-lancamento-painel h2{ font-size: 1.5rem; }
.pre-lancamento-painel p{ color: var(--ink-70); }