/* ============================================================
   LOAN BRASIL — Design System & Estilos Globais
   Paleta: Azul Profundo #0A2463 | Azul Claro #3B82F6 | Verde #10B981
   ============================================================ */

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

:root {
    --color-primary:     #0A2463;
    --color-primary-dark:#071A47;
    --color-secondary:   #3B82F6;
    --color-secondary-dark: #2563EB;
    --color-accent:      #024d3a;
    --color-accent-dark: #013326;
    --color-bg:          #FFFFFF;
    --color-bg-gray:     #F3F4F6;
    --color-bg-dark:     #0A2463;
    --color-text:        #1F2937;
    --color-text-light:  #4B5563;
    --color-text-muted:  #6B7280;
    --color-border:      #E5E7EB;
    --color-warning:     #F59E0B;
    --color-error:       #EF4444;

    --font-heading: 'Inter', 'Montserrat', sans-serif;
    --font-body:    'Roboto', 'Open Sans', sans-serif;

    --radius-sm:   6px;
    --radius-md:   12px;
    --radius-lg:   20px;
    --radius-full: 9999px;

    --shadow-sm:  0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.05);
    --shadow-md:  0 4px 16px rgba(10,36,99,.10);
    --shadow-lg:  0 10px 40px rgba(10,36,99,.15);

    --transition: .25s ease;
    --container-max: 1200px;
    --header-h: 72px;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
    font-family: var(--font-body);
    color: var(--color-text);
    background: var(--color-bg);
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--color-secondary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-secondary-dark); }
a:focus-visible { outline: 3px solid var(--color-secondary); outline-offset: 3px; border-radius: 3px; }
ul { list-style: none; }

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

/* ---- Tipografia ---- */
h1, h2, h3, h4, h5 {
    font-family: var(--font-heading);
    color: var(--color-primary);
    line-height: 1.25;
}
h1 { font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 4vw, 2.25rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 3vw, 1.5rem); font-weight: 600; }
h4 { font-size: 1.125rem; font-weight: 600; }
p  { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.section-label {
    display: inline-block;
    font-size: .8rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: #1e3a8a;
    background: #eff6ff;
    border: 1px solid #dbeafe;
    padding: .25rem .85rem;
    border-radius: var(--radius-full);
    margin-bottom: .75rem;
}
.section-title { margin-bottom: 1rem; }
.section-subtitle { color: var(--color-text-light); font-size: 1.1rem; max-width: 640px; }
.text-center { text-align: center; }
.text-center .section-subtitle { margin-inline: auto; }

/* ---- Botões ---- */
.btn {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    padding: .75rem 1.75rem;
    border-radius: var(--radius-full);
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: .95rem;
    cursor: pointer;
    border: 2px solid transparent;
    transition: all var(--transition);
    text-decoration: none;
    line-height: 1;
    white-space: nowrap;
}
.btn:focus-visible { outline: 3px solid var(--color-secondary); outline-offset: 3px; }

.btn-primary {
    background: var(--color-accent);
    color: #fff;
    border-color: var(--color-accent);
}
.btn-primary:hover {
    background: var(--color-accent-dark);
    border-color: var(--color-accent-dark);
    color: #fff;
    transform: translateY(-1px);
    box-shadow: 0 6px 20px rgba(16,185,129,.35);
}

.btn-secondary {
    background: transparent;
    color: var(--color-primary);
    border-color: var(--color-primary);
}
.btn-secondary:hover {
    background: var(--color-primary);
    color: #fff;
    transform: translateY(-1px);
}

.btn-outline-white {
    background: transparent;
    color: #fff;
    border-color: rgba(255,255,255,.6);
}
.btn-outline-white:hover {
    background: rgba(255,255,255,.15);
    color: #fff;
    border-color: #fff;
}

.btn-lg { padding: 1rem 2.25rem; font-size: 1.05rem; }
.btn-sm { padding: .5rem 1.25rem; font-size: .85rem; }

/* ---- Barra Anti-Fraude ---- */
.anti-fraud-bar {
    background: var(--color-primary);
    color: rgba(255,255,255,.9);
    font-size: .8rem;
    padding: .5rem 0;
    text-align: center;
}
.anti-fraud-bar .container {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: .5rem;
}
.anti-fraud-bar svg { width: 16px; height: 16px; flex-shrink: 0; color: var(--color-warning); }

/* ---- Header ---- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(8px);
    border-bottom: 1px solid var(--color-border);
    height: var(--header-h);
    box-shadow: var(--shadow-sm);
}
.header-inner {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    height: 100%;
}
.logo { display: flex; align-items: center; }
.logo-svg { height: 36px; width: auto; }

.main-nav { margin-left: auto; }
.main-nav ul { display: flex; align-items: center; gap: .25rem; }
.nav-link {
    padding: .5rem .875rem;
    border-radius: var(--radius-full);
    font-family: var(--font-heading);
    font-weight: 500;
    font-size: .9rem;
    color: var(--color-text);
    transition: all var(--transition);
}
.nav-link:hover, .nav-link.active {
    color: var(--color-primary);
    background: rgba(10,36,99,.07);
}
.btn-header-cta { margin-left: .5rem; }

/* Toggle mobile */
.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: .5rem;
    margin-left: auto;
}
.nav-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--color-primary);
    border-radius: 2px;
    transition: all var(--transition);
}

/* ---- Seções Gerais ---- */
.section { padding: 5rem 0; }
.section-sm { padding: 3rem 0; }
.section-lg { padding: 7rem 0; }
.section-gray { background: var(--color-bg-gray); }
.section-dark {
    background: var(--color-primary);
    color: #fff;
}
.section-dark h1,
.section-dark h2,
.section-dark h3,
.section-dark h4 { color: #fff; }
.section-dark .section-label { color: rgba(255,255,255,.8); background: rgba(255,255,255,.1); }
.section-dark .section-subtitle { color: rgba(255,255,255,.75); }

/* ---- Hero Section ---- */
.hero {
    background: linear-gradient(135deg, var(--color-primary) 0%, #1a3a7a 60%, #1e4d8c 100%);
    color: #fff;
    padding: 6rem 0 5rem;
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
    position: relative;
}
.hero-content h1 { color: #fff; margin-bottom: 1.25rem; }
.hero-content h1 span { color: var(--color-accent); }
.hero-content .lead {
    font-size: 1.15rem;
    color: rgba(255,255,255,.85);
    margin-bottom: 2rem;
    line-height: 1.7;
}
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.5rem; }

/* Selos de confiança no hero */
.trust-badges {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
}
.trust-badge {
    display: flex;
    align-items: center;
    gap: .4rem;
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: var(--radius-full);
    padding: .4rem .9rem;
    font-size: .8rem;
    font-weight: 500;
    color: rgba(255,255,255,.9);
}
.trust-badge svg { width: 15px; height: 15px; color: var(--color-accent); }

/* Card visual no hero */
.hero-visual { display: flex; justify-content: center; align-items: center; }
.hero-card {
    background: rgba(255,255,255,.1);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: var(--radius-lg);
    padding: 2rem;
    width: 100%;
    max-width: 380px;
    color: #fff;
}
.hero-card-title {
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 1rem;
    margin-bottom: 1.5rem;
    color: rgba(255,255,255,.8);
    text-transform: uppercase;
    letter-spacing: .05em;
}
.hero-stat {
    margin-bottom: 1.25rem;
    padding-bottom: 1.25rem;
    border-bottom: 1px solid rgba(255,255,255,.12);
}
.hero-stat:last-of-type { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.hero-stat-label { font-size: .8rem; color: rgba(255,255,255,.65); margin-bottom: .25rem; }
.hero-stat-value { font-family: var(--font-heading); font-size: 1.5rem; font-weight: 700; color: #fff; }
.hero-stat-value span { font-size: .9rem; font-weight: 400; color: rgba(255,255,255,.7); }
.hero-disclaimer {
    font-size: .72rem;
    color: rgba(255,255,255,.5);
    margin-top: 1.25rem;
    line-height: 1.5;
}

/* ---- Cards de Soluções ---- */
.solutions-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.75rem;
    margin-top: 3rem;
}
.solution-card {
    background: var(--color-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 2rem;
    transition: all var(--transition);
    position: relative;
    overflow: hidden;
}
.solution-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--color-secondary), var(--color-accent));
    opacity: 0;
    transition: opacity var(--transition);
}
.solution-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.solution-card:hover::before { opacity: 1; }
.solution-icon {
    width: 52px; height: 52px;
    background: rgba(59,130,246,.1);
    border-radius: var(--radius-md);
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 1.25rem;
}
.solution-icon svg { width: 26px; height: 26px; color: var(--color-secondary); }
.solution-card h3 { margin-bottom: .5rem; font-size: 1.2rem; }
.solution-card p { color: var(--color-text-light); font-size: .95rem; margin-bottom: 1.25rem; }
.solution-note { font-size: .78rem; color: var(--color-text-muted); font-style: italic; }

/* ---- Por que escolher ---- */
.why-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
    margin-top: 3rem;
}
.why-item {
    display: flex;
    gap: 1rem;
    padding: 1.5rem;
    background: var(--color-bg);
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border);
    transition: box-shadow var(--transition);
}
.why-item:hover { box-shadow: var(--shadow-md); }
.why-icon {
    width: 44px; height: 44px; flex-shrink: 0;
    background: rgba(10,36,99,.07);
    border-radius: var(--radius-sm);
    display: flex; align-items: center; justify-content: center;
}
.why-icon svg { width: 22px; height: 22px; color: var(--color-primary); }
.why-text h4 { margin-bottom: .35rem; color: var(--color-primary); }
.why-text p { font-size: .9rem; color: var(--color-text-light); margin: 0; }

/* ---- Tabela de Transparência ---- */
.transparency-table-wrap {
    overflow-x: auto;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
    margin-top: 2rem;
}
.transparency-table {
    width: 100%;
    border-collapse: collapse;
    background: var(--color-bg);
    font-size: .95rem;
}
.transparency-table thead {
    background: var(--color-primary);
    color: #fff;
}
.transparency-table th {
    padding: 1rem 1.25rem;
    text-align: left;
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: .85rem;
    letter-spacing: .04em;
}
.transparency-table td {
    padding: .9rem 1.25rem;
    border-bottom: 1px solid var(--color-border);
    color: var(--color-text);
}
.transparency-table tbody tr:last-child td { border-bottom: none; }
.transparency-table tbody tr:hover { background: var(--color-bg-gray); }
.table-disclaimer {
    font-size: .8rem;
    color: var(--color-text-muted);
    margin-top: .75rem;
    font-style: italic;
}

/* ---- CTA Banner ---- */
.cta-banner {
    background: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-primary) 100%);
    padding: 4rem 0;
    text-align: center;
    color: #fff;
}
.cta-banner h2 { color: #fff; margin-bottom: 1rem; }
.cta-banner p { color: rgba(255,255,255,.85); max-width: 560px; margin: 0 auto 2rem; }

/* ---- Accordion (FAQ) ---- */
.accordion { margin-top: 2rem; }
.accordion-item {
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    margin-bottom: .75rem;
    overflow: hidden;
}
.accordion-btn {
    width: 100%;
    background: var(--color-bg);
    border: none;
    padding: 1.1rem 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 1rem;
    color: var(--color-primary);
    text-align: left;
    transition: background var(--transition);
}
.accordion-btn:hover { background: var(--color-bg-gray); }
.accordion-btn svg {
    width: 20px; height: 20px;
    flex-shrink: 0;
    transition: transform var(--transition);
    color: var(--color-secondary);
}
.accordion-btn[aria-expanded="true"] svg { transform: rotate(180deg); }
.accordion-body {
    display: none;
    padding: 0 1.5rem 1.25rem;
    background: var(--color-bg);
    color: var(--color-text-light);
    font-size: .95rem;
    line-height: 1.7;
}
.accordion-body.open { display: block; }

/* ---- Formulário de Contato ---- */
.form-group { margin-bottom: 1.25rem; }
.form-label {
    display: block;
    font-weight: 500;
    font-size: .9rem;
    color: var(--color-text);
    margin-bottom: .4rem;
}
.form-label .required { color: var(--color-error); margin-left: 2px; }
.form-control {
    width: 100%;
    padding: .75rem 1rem;
    border: 1.5px solid var(--color-border);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: .95rem;
    color: var(--color-text);
    background: var(--color-bg);
    transition: border-color var(--transition), box-shadow var(--transition);
}
.form-control:focus {
    outline: none;
    border-color: var(--color-secondary);
    box-shadow: 0 0 0 3px rgba(59,130,246,.15);
}
.form-control::placeholder { color: var(--color-text-muted); }
textarea.form-control { resize: vertical; min-height: 130px; }
select.form-control { cursor: pointer; }
.form-hint { font-size: .8rem; color: var(--color-text-muted); margin-top: .3rem; }
.form-check { display: flex; gap: .6rem; align-items: flex-start; }
.form-check input[type="checkbox"] { margin-top: .2rem; accent-color: var(--color-secondary); }
.form-check label { font-size: .88rem; color: var(--color-text-light); line-height: 1.5; }

/* ---- Simulador ---- */
.simulator-wrap {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
    align-items: start;
}
.simulator-form-card, .simulator-result-card {
    background: var(--color-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 2rem;
    box-shadow: var(--shadow-md);
}
.simulator-result-card { background: var(--color-primary); color: #fff; }
.simulator-result-card h3 { color: #fff; margin-bottom: 1.5rem; }
.result-row {
    display: flex;
    justify-content: space-between;
    padding: .75rem 0;
    border-bottom: 1px solid rgba(255,255,255,.12);
    font-size: .95rem;
}
.result-row:last-of-type { border-bottom: none; }
.result-label { color: rgba(255,255,255,.7); }
.result-value { font-weight: 600; color: #fff; }
.result-total .result-value { font-size: 1.4rem; color: var(--color-accent); }
.simulator-disclaimer {
    font-size: .78rem;
    color: rgba(255,255,255,.5);
    margin-top: 1.25rem;
    line-height: 1.5;
}
.range-wrap { position: relative; }
input[type="range"] {
    width: 100%;
    accent-color: var(--color-secondary);
    height: 6px;
    cursor: pointer;
}
.range-labels { display: flex; justify-content: space-between; font-size: .78rem; color: var(--color-text-muted); margin-top: .3rem; }
.range-value {
    display: inline-block;
    background: var(--color-secondary);
    color: #fff;
    padding: .2rem .6rem;
    border-radius: var(--radius-full);
    font-size: .85rem;
    font-weight: 600;
    margin-top: .5rem;
}

/* ---- Page Hero (páginas internas) ---- */
.page-hero {
    background: linear-gradient(135deg, var(--color-primary) 0%, #1a3a7a 100%);
    padding: 4rem 0 3.5rem;
    color: #fff;
}
.page-hero h1 { color: #fff; margin-bottom: .75rem; }
.page-hero .breadcrumb {
    display: flex;
    align-items: center;
    gap: .4rem;
    font-size: .85rem;
    color: rgba(255,255,255,.65);
    margin-bottom: 1rem;
}
.page-hero .breadcrumb a { color: rgba(255,255,255,.65); }
.page-hero .breadcrumb a:hover { color: #fff; }
.page-hero .breadcrumb svg { width: 14px; height: 14px; }
.page-hero p { color: rgba(255,255,255,.8); max-width: 600px; }

/* ---- Equipe / Quem Somos ---- */
.values-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    margin-top: 3rem;
}
.value-card {
    text-align: center;
    padding: 2rem 1.5rem;
    background: var(--color-bg);
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border);
}
.value-card .icon-wrap {
    width: 60px; height: 60px;
    background: rgba(59,130,246,.1);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 1.25rem;
}
.value-card .icon-wrap svg { width: 28px; height: 28px; color: var(--color-secondary); }
.value-card h3 { font-size: 1.1rem; margin-bottom: .5rem; }
.value-card p { font-size: .9rem; color: var(--color-text-light); margin: 0; }

/* ---- Página Legal (Privacidade / Termos) ---- */
.legal-layout {
    display: grid;
    grid-template-columns: 240px 1fr;
    gap: 3rem;
    align-items: start;
}
.legal-sidebar {
    position: sticky;
    top: calc(var(--header-h) + 1.5rem);
    background: var(--color-bg-gray);
    border-radius: var(--radius-md);
    padding: 1.5rem;
}
.legal-sidebar h4 { font-size: .9rem; margin-bottom: 1rem; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: .06em; }
.legal-sidebar ul { display: flex; flex-direction: column; gap: .25rem; }
.legal-sidebar a {
    display: block;
    padding: .45rem .75rem;
    border-radius: var(--radius-sm);
    font-size: .88rem;
    color: var(--color-text);
    transition: all var(--transition);
}
.legal-sidebar a:hover, .legal-sidebar a.active {
    background: var(--color-secondary);
    color: #fff;
}
.legal-content h2 { font-size: 1.5rem; margin-top: 2.5rem; margin-bottom: .75rem; padding-top: 1.5rem; border-top: 1px solid var(--color-border); }
.legal-content h2:first-child { margin-top: 0; border-top: none; padding-top: 0; }
.legal-content h3 { font-size: 1.15rem; margin-top: 1.5rem; margin-bottom: .5rem; }
.legal-content ul { list-style: disc; padding-left: 1.5rem; margin-bottom: 1rem; }
.legal-content ul li { margin-bottom: .4rem; font-size: .95rem; color: var(--color-text-light); }
.legal-content p { color: var(--color-text-light); font-size: .95rem; }
.legal-content strong { color: var(--color-text); }
.legal-update { font-size: .82rem; color: var(--color-text-muted); margin-bottom: 2rem; }

/* ---- Ouvidoria ---- */
.ouvidoria-card {
    background: var(--color-bg-gray);
    border-left: 4px solid var(--color-secondary);
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    padding: 1.5rem 2rem;
    margin-bottom: 1.5rem;
}
.ouvidoria-card h3 { margin-bottom: .5rem; font-size: 1.1rem; }
.ouvidoria-card p { font-size: .9rem; color: var(--color-text-light); margin: 0; }

/* ---- Transparência ---- */
.transparency-info-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
    margin-top: 2rem;
}
.info-card {
    background: var(--color-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 1.75rem;
}
.info-card h3 { font-size: 1.1rem; margin-bottom: .75rem; }
.info-card p { font-size: .9rem; color: var(--color-text-light); }

/* ---- Footer ---- */
.site-footer {
    background: #0d1f3c;
    color: rgba(255,255,255,.75);
    padding-top: 4rem;
}
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 2.5rem;
    padding-bottom: 3rem;
    border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-tagline { font-size: .88rem; color: rgba(255,255,255,.55); margin-top: .75rem; margin-bottom: 1.25rem; line-height: 1.6; }
.footer-seals { display: flex; flex-wrap: wrap; gap: .5rem; }
.seal {
    display: inline-flex;
    align-items: center;
    gap: .35rem;
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: var(--radius-full);
    padding: .3rem .75rem;
    font-size: .75rem;
    color: rgba(255,255,255,.75);
}
.seal svg { width: 13px; height: 13px; color: var(--color-accent); }
.footer-title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: .85rem;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: #ffffff;
    margin-bottom: 1.25rem;
}
.footer-links { display: flex; flex-direction: column; gap: .5rem; }
.footer-links a {
    font-size: .88rem;
    color: #f3f4f6;
    transition: color var(--transition);
}
.footer-links a:hover { color: #fff; }
.footer-contact { font-style: normal; display: flex; flex-direction: column; gap: .75rem; }
.footer-contact p {
    display: flex;
    align-items: flex-start;
    gap: .5rem;
    font-size: .85rem;
    color: rgba(255,255,255,.65);
    margin: 0;
}
.footer-contact svg { width: 15px; height: 15px; flex-shrink: 0; margin-top: 2px; color: var(--color-accent); }
.footer-contact a { color: rgba(255,255,255,.9); }
.footer-contact a:hover { color: #fff; }
.footer-legal-info {
    padding: 1.5rem 0;
    border-bottom: 1px solid rgba(255,255,255,.12);
    font-size: .78rem;
    color: #e5e7eb;
    line-height: 1.7;
}
.footer-fraud-warning {
    display: flex;
    gap: .75rem;
    align-items: flex-start;
    background: rgba(245,158,11,.08);
    border: 1px solid rgba(245,158,11,.2);
    border-radius: var(--radius-md);
    padding: 1rem 1.25rem;
    margin: 1.5rem 0;
}
.footer-fraud-warning svg { width: 20px; height: 20px; flex-shrink: 0; color: var(--color-warning); margin-top: 2px; }
.footer-fraud-warning p { font-size: .82rem; color: rgba(255,255,255,.9); margin: 0; line-height: 1.6; }
.footer-fraud-warning strong { color: rgba(255,255,255,.85); }
.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1.25rem 0;
    font-size: .8rem;
    color: rgba(255,255,255,.8);
    flex-wrap: wrap;
    gap: .75rem;
}
.footer-bottom nav { display: flex; gap: 1.25rem; }
.footer-bottom a { color: rgba(255,255,255,.85); }
.footer-bottom a:hover { color: rgba(255,255,255,.7); }

/* ---- Utilitários ---- */
.mt-1 { margin-top: .5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0; }
.text-muted { color: var(--color-text-muted); }
.text-accent { color: var(--color-accent); }
.text-primary { color: var(--color-primary); }
.fw-bold { font-weight: 700; }
.badge {
    display: inline-block;
    padding: .2rem .65rem;
    border-radius: var(--radius-full);
    font-size: .75rem;
    font-weight: 600;
}
.badge-green { background: rgba(16,185,129,.12); color: var(--color-accent-dark); }
.badge-blue  { background: rgba(59,130,246,.12); color: var(--color-secondary-dark); }

/* ---- Alert / Notice ---- */
.alert {
    padding: 1rem 1.25rem;
    border-radius: var(--radius-md);
    font-size: .9rem;
    display: flex;
    gap: .75rem;
    align-items: flex-start;
    margin-bottom: 1.25rem;
}
.alert svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 1px; }
.alert-info { background: rgba(59,130,246,.08); border: 1px solid rgba(59,130,246,.2); color: #1e40af; }
.alert-warning { background: rgba(245,158,11,.08); border: 1px solid rgba(245,158,11,.25); color: #92400e; }
.alert-success { background: rgba(16,185,129,.08); border: 1px solid rgba(16,185,129,.2); color: #065f46; }

/* ---- Responsivo ---- */
@media (max-width: 1024px) {
    .hero-inner { grid-template-columns: 1fr; }
    .hero-visual { display: none; }
    .solutions-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .legal-layout { grid-template-columns: 1fr; }
    .legal-sidebar { position: static; }
    .simulator-wrap { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    :root { --header-h: 64px; }
    .nav-toggle { display: flex; }
    .main-nav {
        display: none;
        position: absolute;
        top: 100%;
        left: 0; right: 0;
        background: #fff;
        border-bottom: 1px solid var(--color-border);
        padding: 1rem;
        box-shadow: var(--shadow-md);
    }
    .main-nav.open { display: block; }
    .main-nav ul { flex-direction: column; gap: .25rem; }
    .btn-header-cta { display: none; }
    .site-header { position: relative; }
    .solutions-grid { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .values-grid { grid-template-columns: 1fr; }
    .transparency-info-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .footer-bottom { flex-direction: column; text-align: center; }
    .hero { padding: 3.5rem 0 3rem; }
    .section { padding: 3.5rem 0; }
    .trust-badges { gap: .5rem; }
}

@media (max-width: 480px) {
    .hero-actions { flex-direction: column; }
    .hero-actions .btn { width: 100%; justify-content: center; }
    .btn-lg { padding: .875rem 1.75rem; }
}

/* ---- Print ---- */
@media print {
    .site-header, .anti-fraud-bar, .cta-banner, .site-footer { display: none; }
    body { font-size: 12pt; }
    a::after { content: " (" attr(href) ")"; font-size: .8em; color: #666; }
}