/* ==========================================================================
   SIMCRED — Crédito Consignado
   Design system + estilos globais
   ========================================================================== */

:root {
  /* Cores de marca (extraídas da logo oficial) */
  --color-primary: #012ea5;
  --color-primary-700: #012891;
  --color-primary-800: #02227a;
  --color-primary-900: #021958;
  --color-primary-50: #eef2fb;
  --color-primary-100: #dce3f7;

  --color-accent: #f16124;
  --color-accent-400: #f58552;
  --color-accent-600: #dd5518;
  --color-accent-700: #c14812;
  --color-accent-50: #fff1e9;
  --color-accent-100: #ffe1cf;

  --color-success: #1d8a5e;
  --color-success-50: #e9f7f1;

  --color-bg: #ffffff;
  --color-bg-alt: var(--color-primary-50);
  --color-bg-navy: var(--color-primary-900);

  --shadow-accent: 0 14px 28px rgba(241, 97, 36, 0.28);
  --shadow-primary: 0 16px 32px rgba(2, 34, 122, 0.22);
  --ease-premium: cubic-bezier(0.22, 1, 0.36, 1);

  --color-text: #15213a;
  --color-text-muted: #5b6b81;
  --color-text-faint: #8695a8;
  --color-border: #e4e9f1;
  --color-border-strong: #cdd6e3;

  --font-heading: "Poppins", system-ui, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, sans-serif;

  --space-1: 0.5rem;
  --space-2: 1rem;
  --space-3: 1.5rem;
  --space-4: 2rem;
  --space-5: 3rem;
  --space-6: 4rem;
  --space-7: 6rem;

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-full: 999px;

  --shadow-sm: 0 1px 2px rgba(15, 35, 65, 0.06), 0 1px 1px rgba(15, 35, 65, 0.04);
  --shadow-md: 0 8px 24px rgba(15, 35, 65, 0.08);
  --shadow-lg: 0 20px 48px rgba(2, 34, 122, 0.14);

  --max-width: 1200px;
  --max-prose: 68ch;

  --header-height: 84px;
}

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  overflow-x: clip;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--color-text);
  background: var(--color-bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}

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

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

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

button {
  font-family: inherit;
  cursor: pointer;
}

input,
textarea,
select {
  font-family: inherit;
  font-size: 1rem;
}

h1,
h2,
h3,
h4 {
  font-family: var(--font-heading);
  color: var(--color-primary-900);
  line-height: 1.16;
  letter-spacing: -0.01em;
  margin: 0 0 var(--space-2);
  font-weight: 700;
}

p {
  margin: 0 0 var(--space-2);
}

:focus-visible {
  outline: 3px solid var(--color-accent);
  outline-offset: 2px;
  border-radius: 4px;
}

/* ---------- Layout helpers ---------- */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--space-3);
}

.section {
  padding: var(--space-6) 0;
}

.section--tight {
  padding: var(--space-5) 0;
}

@media (min-width: 1100px) {
  .section {
    padding: var(--space-7) 0;
  }

  .section--tight {
    padding: var(--space-6) 0;
  }
}

.section--alt {
  background: var(--color-bg-alt);
  position: relative;
}

.section--navy {
  background: linear-gradient(135deg, var(--color-primary-800), var(--color-primary-900));
  color: #fff;
}

.section--navy h2,
.section--navy h3 {
  color: #fff;
}

.prose {
  max-width: var(--max-prose);
}

.text-center {
  text-align: center;
}

.mx-auto {
  margin-left: auto;
  margin-right: auto;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--color-accent);
  color: #fff;
  padding: 0.75rem 1.25rem;
  z-index: 10000;
  border-radius: 0 0 var(--radius-sm) 0;
  font-weight: 600;
}

.skip-link:focus {
  left: 0;
}

/* ---------- Tipografia ---------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent-700);
  background: var(--color-accent-50);
  padding: 0.4rem 0.9rem;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-2);
}

.section--navy .eyebrow {
  color: #ffd9c2;
  background: rgba(255, 255, 255, 0.12);
}

h1 {
  font-size: clamp(2.1rem, 1.4rem + 2.8vw, 3.6rem);
  letter-spacing: -0.02em;
}

h2 {
  font-size: clamp(1.65rem, 1.3rem + 1.6vw, 2.6rem);
  letter-spacing: -0.015em;
}

h3 {
  font-size: clamp(1.2rem, 1.05rem + 0.6vw, 1.45rem);
}

.lede {
  font-size: clamp(1.05rem, 1rem + 0.3vw, 1.25rem);
  color: var(--color-text-muted);
}

.section-head {
  max-width: 48rem;
  margin: 0 auto var(--space-5);
  text-align: center;
}

.section-head.is-left {
  margin-left: 0;
  text-align: left;
}

/* ---------- Botões ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1rem;
  padding: 0.9rem 1.6rem;
  border-radius: var(--radius-full);
  border: 2px solid transparent;
  transition: transform 0.2s var(--ease-premium), box-shadow 0.2s var(--ease-premium), background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease;
  white-space: nowrap;
}

.btn svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn:active {
  transform: translateY(0);
}

.btn-primary {
  background: linear-gradient(135deg, var(--color-accent-400), var(--color-accent) 55%, var(--color-accent-600));
  color: #fff;
  box-shadow: var(--shadow-accent);
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--color-accent), var(--color-accent-600) 60%, var(--color-accent-700));
  box-shadow: 0 20px 36px rgba(241, 97, 36, 0.36);
}

.btn-outline {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.5);
  color: #fff;
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: #fff;
}

.btn-outline-dark {
  background: transparent;
  border-color: var(--color-border-strong);
  color: var(--color-primary-900);
}

.btn-outline-dark:hover {
  border-color: var(--color-primary);
  background: var(--color-primary-50);
}

.col-center {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.btn-ghost {
  background: transparent;
  color: var(--color-primary);
  padding-left: 0.5rem;
  padding-right: 0.5rem;
}

.btn-ghost:hover {
  color: var(--color-accent-600);
}

.btn-block {
  width: 100%;
}

.btn-lg {
  padding: 1.05rem 2rem;
  font-size: 1.05rem;
}

/* ---------- Ícones (sprite único) ---------- */
.icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  display: inline-block;
}

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.98);
  border-bottom: 1px solid var(--color-border);
  transition: box-shadow 0.2s ease;
}

.site-header.is-scrolled {
  box-shadow: var(--shadow-sm);
}

.header-bar {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--space-3);
  height: var(--header-height);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-3);
  transition: height 0.2s ease;
}

.site-header.is-scrolled .header-bar {
  height: 64px;
}

.brand {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.brand img {
  height: 44px;
  width: auto;
  transition: height 0.2s ease;
}

.site-header.is-scrolled .brand img {
  height: 36px;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: var(--space-4);
}

.main-nav__list {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.main-nav__list a {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-text);
  padding: 0.5rem 0.2rem;
  position: relative;
}

.main-nav__list a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 2px;
  background: var(--color-accent);
  transform: scaleX(0);
  transition: transform 0.2s ease;
}

.main-nav__list a:hover::after,
.main-nav__list a[aria-current="page"]::after {
  transform: scaleX(1);
}

.main-nav__list a[aria-current="page"] {
  color: var(--color-primary);
}

.header-cta {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

.header-phone {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 600;
  color: var(--color-primary-900);
  font-size: 0.95rem;
  white-space: nowrap;
}

@media (max-width: 1200px) {
  .header-phone {
    display: none;
  }
}

.header-phone svg {
  width: 18px;
  height: 18px;
  color: var(--color-accent);
}

.nav-toggle {
  display: none;
  position: relative;
  background: none;
  border: none;
  padding: 0.5rem;
  width: 44px;
  height: 44px;
  color: var(--color-primary-900);
}

.nav-toggle svg {
  width: 28px;
  height: 28px;
  position: absolute;
  top: 50%;
  left: 50%;
  margin: -14px 0 0 -14px;
  transition: opacity 0.25s var(--ease-premium), transform 0.25s var(--ease-premium);
}

.nav-toggle .icon-menu-close {
  opacity: 0;
  transform: rotate(-90deg) scale(0.6);
}

.nav-toggle[aria-expanded="true"] .icon-menu-open {
  opacity: 0;
  transform: rotate(90deg) scale(0.6);
}

.nav-toggle[aria-expanded="true"] .icon-menu-close {
  opacity: 1;
  transform: rotate(0) scale(1);
}

/* ---------- Mobile nav ---------- */
@media (max-width: 960px) {
  .main-nav {
    position: fixed;
    inset: var(--header-height) 0 0 0;
    width: 100%;
    max-width: 100vw;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    padding: var(--space-4) var(--space-3);
    gap: var(--space-4);
    transform: translateX(100%);
    transition: transform 0.25s ease;
    overflow-x: hidden;
    overflow-y: auto;
    box-sizing: border-box;
  }

  .site-header.is-scrolled .main-nav {
    top: 64px;
  }

  .main-nav.is-open {
    transform: translateX(0);
  }

  .main-nav__list {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }

  .main-nav__list a {
    display: block;
    padding: 1rem 0.2rem;
    border-bottom: 1px solid var(--color-border);
    font-size: 1.05rem;
  }

  .header-cta {
    flex-direction: column;
    align-items: stretch;
  }

  .header-cta .btn {
    width: 100%;
  }

  .header-phone {
    display: flex;
    justify-content: center;
    padding: 0.5rem 0;
  }

  .nav-toggle {
    display: inline-flex;
  }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  background: linear-gradient(160deg, var(--color-primary-900) 0%, var(--color-primary-800) 48%, var(--color-primary) 100%);
  color: #fff;
  padding: var(--space-7) 0 var(--space-6);
}

.hero::before,
.hero::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  opacity: 0.5;
  pointer-events: none;
}

.hero::before {
  width: 620px;
  height: 620px;
  background: radial-gradient(circle at 30% 30%, rgba(241, 97, 36, 0.55), rgba(241, 97, 36, 0) 70%);
  top: -220px;
  right: -160px;
}

.hero::after {
  width: 420px;
  height: 420px;
  background: radial-gradient(circle at 70% 70%, rgba(255, 255, 255, 0.12), rgba(255, 255, 255, 0) 70%);
  bottom: -180px;
  left: -120px;
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: var(--space-6);
  align-items: center;
}

.hero h1 {
  color: #fff;
  margin-bottom: var(--space-3);
}

.hero .lede {
  color: rgba(255, 255, 255, 0.86);
  margin-bottom: var(--space-4);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
  margin-bottom: var(--space-4);
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
}

.hero-badge {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.92);
}

.hero-badge svg {
  width: 20px;
  height: 20px;
  color: #ffb089;
  flex-shrink: 0;
}

.hero-visual {
  position: relative;
}

.hero-photo-wrap {
  position: relative;
  max-width: 420px;
  margin: 0 auto;
}

.hero-photo-wrap::before {
  content: "";
  position: absolute;
  inset: -6%;
  background: linear-gradient(135deg, var(--color-accent) 0%, rgba(241, 97, 36, 0) 55%), linear-gradient(315deg, var(--color-primary-100) 0%, rgba(220, 233, 247, 0) 60%);
  border-radius: 42% 58% 61% 39% / 46% 40% 60% 54%;
  opacity: 0.55;
  filter: blur(2px);
  z-index: 0;
}

.hero-photo {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: center 72%;
  border-radius: 42% 58% 61% 39% / 46% 40% 60% 54%;
  box-shadow: var(--shadow-primary);
  border: 6px solid rgba(255, 255, 255, 0.18);
}

.hero-logo-badge {
  position: absolute;
  z-index: 2;
  top: -18px;
  right: -14px;
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  padding: 10px;
  opacity: 0;
  transform: scale(0.7);
  transition: opacity 0.6s var(--ease-premium), transform 0.6s var(--ease-premium);
}

.hero-logo-badge.is-visible {
  opacity: 1;
  transform: scale(1);
}

.hero-logo-badge img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

@media (max-width: 960px) {
  .hero-logo-badge {
    width: 52px;
    height: 52px;
    top: -10px;
    right: -6px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .hero-logo-badge {
    transition: none;
  }
}

.hero-photo-badge {
  position: absolute;
  z-index: 2;
  left: -8px;
  bottom: 14%;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: #fff;
  color: var(--color-primary-900);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.85rem;
  padding: 0.7rem 1rem;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-lg);
}

.hero-photo-badge svg {
  color: var(--color-accent);
  width: 20px;
  height: 20px;
}

@media (max-width: 960px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }

  .hero-visual {
    order: 1;
    max-width: 320px;
    margin: var(--space-3) auto 0;
  }

  .hero-photo-badge {
    font-size: 0.75rem;
    padding: 0.55rem 0.8rem;
    left: -4px;
  }
}

/* ---------- Faixa de destaques (quem atendemos) ---------- */
.highlights-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-3);
  margin-bottom: var(--space-6);
}

@media (max-width: 860px) {
  .highlights-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 480px) {
  .highlights-grid {
    grid-template-columns: 1fr;
  }
}

.highlight-item {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.02rem;
  letter-spacing: -0.01em;
  color: var(--color-primary-900);
}

.highlight-item__icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: linear-gradient(145deg, var(--color-primary), var(--color-primary-700));
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 10px 20px rgba(2, 34, 122, 0.22);
}

.highlight-item__icon svg {
  width: 24px;
  height: 24px;
}

/* ---------- Breadcrumbs ---------- */
.breadcrumbs {
  background: var(--color-bg-alt);
  border-bottom: 1px solid var(--color-border);
}

.breadcrumbs ol {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.4rem;
  padding: 0.85rem 0;
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

.breadcrumbs a {
  color: var(--color-primary);
  font-weight: 600;
}

.breadcrumbs li:not(:last-child)::after {
  content: "/";
  margin-left: 0.4rem;
  color: var(--color-text-faint);
}

.page-hero {
  background: linear-gradient(160deg, var(--color-primary-900), var(--color-primary-800));
  color: #fff;
  padding: var(--space-5) 0;
}

.page-hero h1 {
  color: #fff;
  margin-bottom: var(--space-1);
}

.page-hero .lede {
  color: rgba(255, 255, 255, 0.85);
  margin: 0;
}

/* ---------- Grids & cards ---------- */
.grid {
  display: grid;
  gap: var(--space-4);
}

.grid > *,
.highlights-grid > *,
.steps > *,
.values-grid > *,
.stats > *,
.form-grid > *,
.contact-grid > *,
.store-locator > *,
.footer-grid > *,
.partners-grid > * {
  min-width: 0;
}

.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: 960px) {
  .grid-3,
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .grid-2,
  .grid-3,
  .grid-4 {
    grid-template-columns: 1fr;
  }
}

.card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s var(--ease-premium), box-shadow 0.3s var(--ease-premium), border-color 0.3s ease;
}

@media (hover: hover) and (pointer: fine) {
  .card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--color-border-strong);
  }

  .card:hover .card-icon::before {
    transform: scale(1.15);
  }

  .card-link:hover svg {
    transform: translateX(3px);
  }
}

.card-icon {
  position: relative;
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  background: var(--color-primary-50);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-3);
  isolation: isolate;
  overflow: hidden;
}

.card-icon::before {
  content: "";
  position: absolute;
  inset: -40%;
  background: radial-gradient(circle at 30% 25%, rgba(1, 46, 165, 0.22), transparent 70%);
  z-index: -1;
  transition: transform 0.3s var(--ease-premium);
}

.card-icon svg {
  width: 26px;
  height: 26px;
}

.card--accent .card-icon {
  background: var(--color-accent-50);
  color: var(--color-accent-700);
}

.card--accent .card-icon::before {
  background: radial-gradient(circle at 30% 25%, rgba(241, 97, 36, 0.26), transparent 70%);
}

.card h3 {
  margin-bottom: 0.5rem;
}

.card p:last-child {
  margin-bottom: 0;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  margin-top: var(--space-2);
  font-family: var(--font-heading);
  font-weight: 600;
  color: var(--color-primary);
}

.card-link svg {
  width: 16px;
  height: 16px;
  transition: transform 0.15s ease;
}

.service-card {
  display: flex;
  flex-direction: column;
  height: 100%;
}

/* ---------- Passos / processo ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-3);
  counter-reset: step;
}

@media (max-width: 960px) {
  .steps {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .steps {
    grid-template-columns: 1fr;
  }
}

.step {
  position: relative;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-4) var(--space-3) var(--space-3);
}

.step__number {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  font-family: var(--font-heading);
  font-weight: 700;
  margin-bottom: var(--space-2);
}

/* ---------- Valores ---------- */
.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-3);
}

@media (max-width: 860px) {
  .values-grid {
    grid-template-columns: 1fr;
  }
}

/* ---------- Números / estatísticas ---------- */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-3);
}

@media (max-width: 760px) {
  .stats {
    grid-template-columns: repeat(2, 1fr);
  }
}

.stat {
  text-align: center;
}

.stat__value {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: clamp(1.8rem, 1.5rem + 1vw, 2.6rem);
  color: var(--color-accent);
  display: block;
  line-height: 1;
  margin-bottom: 0.4rem;
}

.stat__label {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.78);
}

.section--navy .stat__label {
  color: rgba(255, 255, 255, 0.78);
}

/* ---------- Depoimentos (carrossel de prints reais) ---------- */
.phone-carousel {
  position: relative;
  max-width: 100%;
  margin: 0 auto;
}

.phone-carousel__viewport {
  position: relative;
  height: 560px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.phone-carousel__slide {
  position: absolute;
  top: 50%;
  left: 50%;
  width: 230px;
  transition: transform 0.5s var(--ease-premium), opacity 0.5s var(--ease-premium);
  will-change: transform, opacity;
}

.phone-mockup {
  background: #0c0c0c;
  border-radius: 34px;
  padding: 10px;
  box-shadow: 0 24px 48px rgba(7, 20, 38, 0.35);
  position: relative;
}

.phone-mockup::before {
  content: "";
  position: absolute;
  top: 10px;
  left: 50%;
  transform: translateX(-50%);
  width: 56px;
  height: 6px;
  border-radius: 4px;
  background: #000;
  z-index: 2;
}

.phone-mockup__screen {
  border-radius: 24px;
  overflow: hidden;
  background: #000;
}

.phone-mockup__screen img {
  display: block;
  width: 100%;
  height: auto;
}

.phone-carousel__arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #fff;
  border: 1px solid var(--color-border);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  cursor: pointer;
  z-index: 5;
}

.phone-carousel__arrow svg {
  width: 20px;
  height: 20px;
}

.phone-carousel__arrow--prev {
  left: 0;
}

.phone-carousel__arrow--next {
  right: 0;
}

@media (max-width: 760px) {
  .phone-carousel__viewport {
    height: 480px;
  }

  .phone-carousel__slide {
    width: 190px;
  }

  .phone-carousel__arrow {
    width: 38px;
    height: 38px;
  }
}

.phone-carousel__dots {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  margin-top: var(--space-4);
}

.phone-carousel__dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--color-border-strong);
  border: 0;
  padding: 0;
  cursor: pointer;
}

.phone-carousel__dot.is-active {
  background: var(--color-accent);
  width: 22px;
  border-radius: var(--radius-full);
  transition: width 0.3s var(--ease-premium);
}

@media (prefers-reduced-motion: reduce) {
  .phone-carousel__slide {
    transition: none;
  }

  .phone-carousel__dot.is-active {
    transition: none;
  }
}


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

.accordion-item {
  border-bottom: 1px solid var(--color-border);
}

.accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-2);
  background: none;
  border: none;
  text-align: left;
  padding: 1.25rem 0;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.02rem;
  color: var(--color-primary-900);
}

.accordion-trigger svg {
  width: 22px;
  height: 22px;
  color: var(--color-accent);
  flex-shrink: 0;
  transition: transform 0.2s ease;
}

.accordion-trigger[aria-expanded="true"] svg {
  transform: rotate(180deg);
}

.accordion-panel {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.25s ease;
}

.accordion-panel > div {
  overflow: hidden;
}

.accordion-item.is-open .accordion-panel {
  grid-template-rows: 1fr;
}

.accordion-panel p {
  padding-bottom: 1.25rem;
  color: var(--color-text-muted);
  max-width: var(--max-prose);
}

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(120deg, var(--color-accent-700), var(--color-accent));
  border-radius: var(--radius-lg);
  padding: var(--space-5) var(--space-5);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  flex-wrap: wrap;
}

.cta-banner h2 {
  color: #fff;
  margin-bottom: 0.4rem;
}

.cta-banner p {
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: 0;
}

.cta-banner .btn-outline {
  border-color: rgba(255, 255, 255, 0.7);
}

/* ---------- Alerta de segurança ---------- */
.alert {
  display: flex;
  gap: var(--space-2);
  background: var(--color-primary-50);
  border: 1px solid var(--color-primary-100);
  border-left: 4px solid var(--color-primary);
  border-radius: var(--radius-sm);
  padding: var(--space-3);
}

.alert svg {
  width: 26px;
  height: 26px;
  color: var(--color-primary);
  flex-shrink: 0;
}

.alert h3 {
  font-size: 1.02rem;
  margin-bottom: 0.3rem;
}

.alert p {
  margin-bottom: 0;
  color: var(--color-text-muted);
  font-size: 0.95rem;
}

/* ---------- Formulário ---------- */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3);
}

@media (max-width: 640px) {
  .form-grid {
    grid-template-columns: 1fr;
  }
}

.field {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.field.full {
  grid-column: 1 / -1;
}

.field label {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--color-primary-900);
}

.field input,
.field select,
.field textarea {
  padding: 0.85rem 1rem;
  border: 1.5px solid var(--color-border-strong);
  border-radius: var(--radius-sm);
  background: #fff;
  color: var(--color-text);
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--color-primary);
  outline: none;
  box-shadow: 0 0 0 3px var(--color-primary-50);
}

.field small {
  color: var(--color-text-faint);
  font-size: 0.8rem;
}

.field-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.88rem;
  color: var(--color-text-muted);
}

.field-checkbox input {
  margin-top: 0.25rem;
}

.form-status {
  margin-top: var(--space-2);
  padding: 0.9rem 1rem;
  border-radius: var(--radius-sm);
  font-size: 0.92rem;
  display: none;
}

.form-status.is-visible {
  display: block;
}

.form-status.is-success {
  background: var(--color-success-50);
  color: var(--color-success);
  border: 1px solid #b9e6d2;
}

.form-status.is-error {
  background: #fdecec;
  color: #c0392b;
  border: 1px solid #f5c6c6;
}

/* ---------- Mapa / contato ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-5);
  align-items: start;
}

@media (max-width: 900px) {
  .contact-grid {
    grid-template-columns: 1fr;
  }
}

.contact-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.contact-list__item {
  display: flex;
  gap: var(--space-2);
  align-items: flex-start;
}

.contact-list__icon {
  width: 46px;
  height: 46px;
  border-radius: var(--radius-sm);
  background: var(--color-primary-50);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-list__icon svg {
  width: 22px;
  height: 22px;
}

.contact-list__title {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.98rem;
  margin-bottom: 0.15rem;
}

.contact-list__value {
  color: var(--color-text-muted);
  font-size: 0.95rem;
}

.map-frame {
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
}

.map-frame iframe {
  display: block;
  width: 100%;
  height: 340px;
  border: 0;
}

/* ---------- Mapa + fachada lado a lado (mesmo tamanho) ---------- */
.store-locator {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: stretch;
  gap: var(--space-3);
  max-width: 920px;
  margin: 0 auto;
}

.photo-frame.store-locator__photo,
.map-frame.store-locator__map {
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  height: 100%;
}

.photo-frame.store-locator__photo img {
  width: 100%;
  height: 100%;
  min-height: 240px;
  object-fit: cover;
  display: block;
}

.map-frame.store-locator__map iframe {
  width: 100%;
  height: 100%;
  min-height: 240px;
  display: block;
  border: 0;
}

@media (max-width: 760px) {
  .store-locator {
    grid-template-columns: 1fr;
  }

  .store-locator__photo,
  .store-locator__map {
    height: 240px;
  }
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--color-primary-900);
  color: rgba(255, 255, 255, 0.78);
  padding: var(--space-6) 0 var(--space-3);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.1fr;
  gap: var(--space-4);
  padding-bottom: var(--space-5);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

@media (max-width: 900px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 560px) {
  .footer-grid {
    grid-template-columns: 1fr;
  }
}

.footer-logo {
  display: inline-flex;
  background: #fff;
  padding: 0.7rem 1rem;
  border-radius: var(--radius-md);
  margin-bottom: var(--space-2);
}

.footer-logo img {
  height: 34px;
  width: auto;
}

.footer-about p {
  font-size: 0.92rem;
  max-width: 32ch;
}

.footer-social {
  display: flex;
  gap: 0.6rem;
  margin-top: var(--space-2);
}

.footer-social a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s ease;
}

.footer-social a:hover {
  background: var(--color-accent);
}

.footer-social svg {
  width: 18px;
  height: 18px;
  color: #fff;
}

.footer-heading {
  font-family: var(--font-heading);
  color: #fff;
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: var(--space-2);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  font-size: 0.92rem;
}

.footer-links a:hover {
  color: #fff;
}

.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 0.8rem;
  font-size: 0.92rem;
}

.footer-contact li {
  display: flex;
  gap: 0.6rem;
  align-items: flex-start;
}

.footer-contact svg {
  width: 18px;
  height: 18px;
  color: var(--color-accent);
  flex-shrink: 0;
  margin-top: 0.15rem;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-2);
  padding-top: var(--space-3);
  font-size: 0.82rem;
}

.footer-bottom a:hover {
  color: #fff;
}

.footer-bottom-links {
  display: flex;
  gap: var(--space-2);
  flex-wrap: wrap;
}

/* ---------- WhatsApp flutuante (círculo oficial) ---------- */
.whatsapp-float {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 999;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 60px;
  height: 60px;
  background: #25d366;
  color: #fff;
  border-radius: 50%;
  box-shadow: 0 10px 26px rgba(37, 211, 102, 0.45);
  transition: transform 0.25s var(--ease-premium, ease), box-shadow 0.25s ease;
  animation: whatsapp-float-in 0.5s var(--ease-premium, ease) 0.6s both;
}

.whatsapp-float svg {
  width: 30px;
  height: 30px;
  flex-shrink: 0;
}

.whatsapp-float:hover {
  transform: scale(1.08);
  box-shadow: 0 14px 30px rgba(37, 211, 102, 0.55);
}

@keyframes whatsapp-float-in {
  from {
    opacity: 0;
    transform: scale(0.4) translateY(12px);
  }
  to {
    opacity: 1;
    transform: scale(1) translateY(0);
  }
}

@media (max-width: 560px) {
  .whatsapp-float {
    width: 54px;
    height: 54px;
    right: 16px;
    bottom: 16px;
  }

  .whatsapp-float svg {
    width: 27px;
    height: 27px;
  }
}

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

/* ---------- 404 ---------- */
.error-page {
  text-align: center;
  padding: var(--space-7) 0;
}

.error-code {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: clamp(4rem, 3rem + 4vw, 7rem);
  color: var(--color-primary-100);
  line-height: 1;
}

/* ---------- Reveal on scroll ---------- */
[data-reveal] {
  opacity: 0;
  transform: translateY(22px) scale(0.98);
  transition: opacity 0.7s var(--ease-premium), transform 0.7s var(--ease-premium);
}

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

/* ---------- Marca d'água decorativa (símbolo oficial da Simcred) ---------- */
.brand-watermark {
  position: absolute;
  width: 280px;
  height: auto;
  pointer-events: none;
  user-select: none;
  z-index: -1;
  opacity: 0;
  transform: scale(0.82);
  transition: opacity 0.9s var(--ease-premium), transform 0.9s var(--ease-premium);
}

.has-watermark {
  position: relative;
  z-index: 0;
  overflow: hidden;
}

.brand-watermark.is-visible {
  opacity: 0.08;
  transform: scale(1);
}

.section--navy .brand-watermark.is-visible,
.cta-banner .brand-watermark.is-visible {
  opacity: 0.14;
}

.brand-watermark--top-right {
  top: -40px;
  right: -30px;
}

.brand-watermark--bottom-left {
  bottom: -40px;
  left: -30px;
}

.cta-banner .brand-watermark--bottom-left {
  width: 160px;
  bottom: -20px;
  left: -16px;
}

@media (max-width: 760px) {
  .brand-watermark {
    width: 170px;
  }

  .cta-banner .brand-watermark--bottom-left {
    width: 110px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .brand-watermark {
    transition: none;
  }
}

/* leve escalonamento quando vários itens revelam juntos num grid */
.grid > [data-reveal]:nth-child(2) { transition-delay: 0.06s; }
.grid > [data-reveal]:nth-child(3) { transition-delay: 0.12s; }
.grid > [data-reveal]:nth-child(4) { transition-delay: 0.18s; }
.grid > [data-reveal]:nth-child(5) { transition-delay: 0.24s; }
.grid > [data-reveal]:nth-child(6) { transition-delay: 0.3s; }

.steps > [data-reveal]:nth-child(2) { transition-delay: 0.06s; }
.steps > [data-reveal]:nth-child(3) { transition-delay: 0.12s; }
.steps > [data-reveal]:nth-child(4) { transition-delay: 0.18s; }

.partners-grid > [data-reveal]:nth-child(2) { transition-delay: 0.04s; }
.partners-grid > [data-reveal]:nth-child(3) { transition-delay: 0.08s; }
.partners-grid > [data-reveal]:nth-child(4) { transition-delay: 0.12s; }
.partners-grid > [data-reveal]:nth-child(5) { transition-delay: 0.16s; }

.highlights-grid > [data-reveal]:nth-child(2) { transition-delay: 0.05s; }
.highlights-grid > [data-reveal]:nth-child(3) { transition-delay: 0.1s; }
.highlights-grid > [data-reveal]:nth-child(4) { transition-delay: 0.15s; }

.store-locator > [data-reveal]:nth-child(2) { transition-delay: 0.08s; }

@media (prefers-reduced-motion: reduce) {
  [data-reveal] {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

/* ---------- Fotos reais ---------- */
.photo-frame {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  line-height: 0;
}

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

.photo-caption {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-top: var(--space-2);
  font-size: 0.88rem;
  color: var(--color-text-muted);
}

.photo-caption svg {
  width: 18px;
  height: 18px;
  color: var(--color-primary);
  flex-shrink: 0;
}

/* ---------- Bancos e instituições parceiras (esteira de logos) ---------- */
.logo-marquee {
  position: relative;
  overflow: hidden;
  width: 100%;
  padding: var(--space-2) 0 var(--space-4);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}

.logo-marquee__track {
  display: flex;
  width: max-content;
  animation: logo-marquee-scroll 36s linear infinite;
}

.logo-marquee:hover .logo-marquee__track {
  animation-play-state: paused;
}

.logo-marquee__set {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding-right: var(--space-3);
}

.logo-marquee__item {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 168px;
  height: 84px;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-2);
  box-shadow: var(--shadow-sm);
}

.logo-marquee__item img {
  max-width: 100%;
  max-height: 42px;
  width: auto;
  height: auto;
  object-fit: contain;
}

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

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

  .logo-marquee__set[aria-hidden="true"] {
    display: none;
  }

  .logo-marquee__track {
    flex-wrap: wrap;
    width: 100%;
    justify-content: center;
  }
}

@media (max-width: 640px) {
  .logo-marquee__item {
    width: 136px;
    height: 70px;
  }

  .logo-marquee__item img {
    max-height: 34px;
  }
}

.partners-note {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-top: var(--space-3);
}

/* ---------- Aviso de cookies / LGPD ---------- */
.cookie-notice {
  position: fixed;
  left: 20px;
  right: 20px;
  bottom: 20px;
  max-width: 560px;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: var(--space-3);
  display: none;
  align-items: flex-start;
  gap: var(--space-2);
  z-index: 1200;
}

.cookie-notice.is-visible {
  display: flex;
}

.cookie-notice p {
  margin: 0;
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

.cookie-notice a {
  color: var(--color-primary);
  font-weight: 600;
  text-decoration: underline;
}

.cookie-notice__actions {
  flex-shrink: 0;
}

.cookie-notice .btn {
  padding: 0.6rem 1.1rem;
  font-size: 0.85rem;
}

@media (max-width: 640px) {
  .cookie-notice {
    left: 12px;
    right: 12px;
    bottom: 90px;
    flex-direction: column;
  }
}

/* ---------- Simulação rápida (lead form) ---------- */
.quick-sim {
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: var(--space-4);
  border: 1px solid var(--color-border);
}

/* ---------- Utilidades de espaçamento ---------- */
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.mt-4 { margin-top: var(--space-4); }
.mb-4 { margin-bottom: var(--space-4); }

.badge-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
}

.pill {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  padding: 0.45rem 0.9rem;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-primary-900);
}

.pill svg {
  width: 16px;
  height: 16px;
  color: var(--color-success);
}