/* ========== RESET & FONTS ========== */
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');

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

:root {
  /* ===== PALETTE EXACTE MEUCREDITO.PT ===== */
  --blue-dark: #07112C;
  /* Deep Royal Navy (Titres & hero) */
  --blue-main: #1A56DB;
  /* Royal Blue Electric (Couleur principale & boutons) */
  --blue-mid: #143694;
  /* Royal Blue Moyen */
  --blue-light: #EBF2FF;
  /* Fond de carte & puces bleu très clair */
  --blue-subtle: #D0DDF0;
  /* Bordures bleues subtiles */

  --orange-main: #1A56DB;
  /* Bouton CTA bleu électrique meucredito */
  --orange-hover: #1244B8;
  /* Bouton hover */
  --orange-light: #EBF2FF;

  --accent-gold: #38BDF8;
  /* Bleu ciel électrique moderne / Highlights CreditoMax */

  --gray-bg: #F8FAFC;
  --gray-card: #FFFFFF;
  --gray-border: #E2E8F0;
  --gray-text: #42506C;
  --gray-muted: #657DA4;
  --dark: #07112C;
  --white: #FFFFFF;

  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;

  --shadow-sm: 0 2px 8px rgba(7, 17, 44, 0.06);
  --shadow-md: 0 8px 24px rgba(7, 17, 44, 0.10);
  --shadow-lg: 0 16px 40px rgba(7, 17, 44, 0.14);
  --shadow-hover: 0 20px 48px rgba(7, 17, 44, 0.18);

  --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

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

body {
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--dark);
  background: var(--white);
  line-height: 1.6;
  overflow-x: clip;
  width: 100%;
  -webkit-font-smoothing: antialiased;
}

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

img {
  max-width: 100%;
  height: auto;
}

/* ========== UTILITIES ========== */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

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

.section-title {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--blue-dark);
  letter-spacing: -0.02em;
  margin-bottom: 12px;
  line-height: 1.25;
}

.section-sub {
  color: var(--gray-text);
  font-size: 1.1rem;
  margin-bottom: 48px;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  user-select: none;
}

.btn:active {
  transform: scale(0.98);
}

.btn-primary {
  background: var(--orange-main);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(26, 86, 219, 0.35);
}

.btn-primary:hover {
  background: var(--orange-hover);
  box-shadow: 0 6px 20px rgba(26, 86, 219, 0.45);
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.4);
}

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

/* ========== WHATSAPP FLOATING BUTTON ========== */
.wa-btn {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: #25D366;
  box-shadow: 0 6px 24px rgba(37, 211, 102, 0.45);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  cursor: pointer;
}

.wa-btn:hover {
  transform: scale(1.1);
  box-shadow: 0 8px 30px rgba(37, 211, 102, 0.6);
}

.wa-btn svg {
  width: 34px;
  height: 34px;
  fill: white;
}

.wa-tooltip {
  position: fixed;
  bottom: 38px;
  right: 100px;
  z-index: 999;
  background: var(--dark);
  color: white;
  font-size: 0.85rem;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
  box-shadow: var(--shadow-md);
}

.wa-btn:hover+.wa-tooltip,
.wa-tooltip:hover {
  opacity: 1;
  pointer-events: auto;
}

/* ========== NAVBAR ========== */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--gray-border);
  box-shadow: 0 2px 16px rgba(7, 17, 44, 0.06);
  backdrop-filter: blur(10px);
}

.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
}

.logo-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.logo-text {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--blue-dark);
  letter-spacing: -0.03em;
}

.logo-text span {
  color: var(--blue-main);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  list-style: none;
}

.nav-links a {
  font-weight: 600;
  color: var(--gray-text);
  font-size: 0.95rem;
  transition: color 0.2s;
  position: relative;
  padding: 4px 0;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2.5px;
  background: var(--blue-main);
  border-radius: 2px;
  transition: width 0.2s ease;
}

.nav-links a:hover {
  color: var(--blue-main);
}

.nav-links a:hover::after {
  width: 100%;
}

.nav-right {
  display: flex;
  align-items: center;
  gap: 16px;
}

.btn-nav {
  padding: 10px 22px;
  font-size: 0.9rem;
}

.nav-phone-btn {
  display: none;
}

.mobile-text {
  display: none;
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  color: var(--blue-dark);
}

.nav-toggle svg {
  width: 28px;
  height: 28px;
  stroke: var(--blue-dark);
}

/* ========== HERO SECTION (1. SIMULATEUR) ========== */
.hero {
  background:
    linear-gradient(135deg, rgba(7, 17, 44, 0.50) 0%, rgba(20, 54, 148, 0.45) 60%, rgba(26, 86, 219, 0.50) 100%),
    url('https://images.unsplash.com/photo-1543269865-cbf427effbad?w=1920&q=85&fit=crop') no-repeat center top / cover;
  padding: 90px 0 100px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(56, 189, 248, 0.15) 0%, rgba(56, 189, 248, 0) 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -150px;
  left: -100px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(15, 31, 75, 0.4) 0%, rgba(10, 22, 40, 0) 70%);
  pointer-events: none;
}

.hero .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-text {
  color: var(--white);
}

.hero-tagline {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  color: var(--accent-gold);
  text-transform: uppercase;
  margin-bottom: 16px;
  background: rgba(56, 189, 248, 0.12);
  padding: 6px 14px;
  border-radius: 20px;
  border: 1px solid rgba(56, 189, 248, 0.3);
}

.hero-text h1 {
  font-size: 3rem;
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -0.03em;
}

.hero-text h1 span {
  color: var(--accent-gold);
  background: linear-gradient(135deg, #38BDF8 0%, #EBF2FF 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* ========== SIMULATOR CARD ========== */
.sim-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: 0 20px 60px rgba(7, 17, 44, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.6);
  position: relative;
}

.sim-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 20px;
  background: var(--blue-light);
  padding: 4px;
  border-radius: var(--radius-md);
}

.sim-tab {
  flex: 1;
  padding: 10px 14px;
  border: none;
  background: transparent;
  color: var(--gray-text);
  font-size: 0.9rem;
  font-weight: 700;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: var(--transition);
}

.sim-tab.active {
  background: var(--white);
  color: var(--blue-main);
  box-shadow: var(--shadow-sm);
}

.sim-card h2 {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--blue-dark);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.sim-card h2 svg {
  width: 22px;
  height: 22px;
  fill: var(--blue-main);
}

.sim-field {
  margin-bottom: 24px;
}

.sim-field label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--blue-dark);
  margin-bottom: 12px;
}

.val-highlight {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--blue-main);
}

.range-wrap {
  position: relative;
  margin-bottom: 8px;
}

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: linear-gradient(to right, var(--blue-main) 0%, var(--blue-main) var(--pct, 6.36%), var(--gray-border) var(--pct, 6.36%), var(--gray-border) 100%);
  outline: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--blue-main);
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(26, 86, 219, 0.4);
  cursor: pointer;
  transition: var(--transition);
}

input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.range-minmax {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--gray-muted);
  font-weight: 600;
}

.duration-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(64px, 1fr));
  gap: 6px;
  margin-top: 8px;
}

.dur-btn {
  padding: 10px 4px;
  border: 1.5px solid var(--gray-border);
  background: var(--white);
  border-radius: var(--radius-sm);
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--gray-text);
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.dur-btn:hover:not(.disabled) {
  border-color: var(--blue-main);
  color: var(--blue-main);
}

.dur-btn.active {
  background: var(--blue-main);
  border-color: var(--blue-main);
  color: var(--white);
}

.dur-btn.disabled {
  opacity: 0.4;
  cursor: not-allowed;
}

.dur-warning {
  display: none;
  font-size: 0.8rem;
  color: #DC2626;
  margin-top: 8px;
  font-weight: 600;
}

.dur-warning.visible {
  display: block;
}

.rate-badge-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 16px;
  background: var(--blue-light);
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
}

.rate-label {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--blue-dark);
}

.rate-val {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--blue-main);
}

.sim-result {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 12px;
  margin-bottom: 20px;
  background: var(--gray-bg);
  padding: 16px;
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-border);
}

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

.res-label {
  font-size: 0.76rem;
  color: var(--gray-muted);
  font-weight: 600;
  margin-bottom: 4px;
}

.res-value {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--blue-dark);
}

.res-value.big {
  font-size: 1.5rem;
  color: var(--blue-main);
}

.sim-note {
  font-size: 0.75rem;
  color: var(--gray-muted);
  line-height: 1.5;
  margin-bottom: 20px;
  text-align: center;
}

.sim-card .btn-primary {
  width: 100%;
}

/* ========== VANTAGENS SECTION ========== */
.vantagens {
  padding: 90px 0;
  background: var(--gray-bg);
}

.vantagens-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.vantagem-card {
  background: var(--white);
  border-radius: 32px;
  padding: 32px;
  box-shadow: 0 10px 40px rgba(7, 17, 44, 0.05);
  border: none;
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  gap: 20px;
  transition: var(--transition);
}

.vantagem-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 50px rgba(7, 17, 44, 0.08);
}

.vantagem-icon {
  position: relative;
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.vantagem-icon::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-45%, -45%);
  width: 60px;
  height: 40px;
  background: var(--blue-subtle);
  border-radius: 14px;
  z-index: 1;
  opacity: 0.8;
}

.icon-inner {
  position: relative;
  width: 48px;
  height: 48px;
  background: var(--blue-main);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  z-index: 2;
}

.icon-inner svg {
  width: 22px;
  height: 22px;
  stroke: var(--white);
}

.vantagem-content h3 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--blue-dark);
  margin-bottom: 8px;
  line-height: 1.3;
}

.vantagem-content p {
  color: var(--gray-text);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* ========== SERVICES SECTION ========== */
.services {
  padding: 90px 0;
  background: var(--white);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
}

.svc-card {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  padding-bottom: 20px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.svc-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--blue-subtle);
}

.svc-img-wrapper {
  height: 180px;
  overflow: hidden;
  margin-bottom: 20px;
}

.svc-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.svc-card:hover .svc-img {
  transform: scale(1.06);
}

.svc-card h3 {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--blue-dark);
  padding: 0 20px;
  margin-bottom: 8px;
}

.svc-card p {
  color: var(--gray-text);
  font-size: 0.92rem;
  padding: 0 20px;
  line-height: 1.55;
  margin-bottom: 16px;
}

.svc-link {
  color: var(--blue-main);
  font-weight: 700;
  font-size: 0.92rem;
  padding: 0 20px;
  display: inline-block;
}

.svc-link:hover {
  color: var(--blue-mid);
}

/* ========== TESTIMONIALS SECTION ========== */
.testimonials {
  padding: 90px 0;
  background: var(--gray-bg);
  position: relative;
  overflow: hidden;
}

.testi-trust-header {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 40px;
}

.trust-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 18px;
  background: var(--white);
  padding: 12px 28px;
  border-radius: 50px;
  box-shadow: 0 4px 16px rgba(7, 17, 44, 0.06);
  border: 1px solid var(--gray-border);
  transition: var(--transition);
}

.trust-badge-pill:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--blue-subtle);
}

.trust-score {
  display: flex;
  align-items: center;
  gap: 10px;
}

.score-num {
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--blue-dark);
  line-height: 1;
}

.trust-stars-row {
  color: #F59E0B;
  font-size: 1.15rem;
  letter-spacing: 2px;
}

.trust-divider {
  width: 1px;
  height: 28px;
  background: var(--gray-border);
}

.trust-meta {
  font-size: 0.95rem;
  color: var(--gray-text);
  line-height: 1.4;
}

.trust-meta strong {
  color: var(--blue-dark);
}

.testi-carousel-wrapper {
  position: relative;
  max-width: 100%;
}

.testi-carousel {
  display: flex;
  align-items: center;
  gap: 16px;
  position: relative;
}

.testi-track {
  display: flex;
  gap: 24px;
  overflow-x: auto;
  scroll-behavior: smooth;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
  padding: 16px 8px;
  scrollbar-width: none;
}

.testi-track::-webkit-scrollbar {
  display: none;
}

.testi-card {
  flex: 0 0 380px;
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: 24px;
  padding: 32px 28px 26px;
  box-shadow: 0 4px 20px rgba(7, 17, 44, 0.05);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
  scroll-snap-align: center;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.testi-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(7, 17, 44, 0.10);
  border-color: var(--blue-subtle);
}

.testi-quote-icon {
  position: absolute;
  top: 20px;
  right: 22px;
  width: 38px;
  height: 38px;
  color: #E2E8F0;
  opacity: 0.7;
  pointer-events: none;
  z-index: 0;
}

.testi-quote-icon svg {
  width: 100%;
  height: 100%;
}

.testi-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
  position: relative;
  z-index: 1;
}

.testi-tag {
  display: inline-flex;
  align-items: center;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--blue-main);
  background: var(--blue-light);
  padding: 4px 12px;
  border-radius: 20px;
  letter-spacing: 0.02em;
}

.testi-stars {
  display: flex;
  gap: 2px;
  color: #F59E0B;
}

.testi-stars svg {
  width: 16px;
  height: 16px;
  fill: currentColor;
}

.testi-stars svg.unfilled {
  fill: #E2E8F0;
}

.testi-quote {
  font-size: 0.95rem;
  color: var(--gray-text);
  line-height: 1.65;
  margin-bottom: 22px;
  position: relative;
  z-index: 1;
  font-style: normal;
}

.testi-user {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 16px;
  border-top: 1px solid var(--gray-border);
  position: relative;
  z-index: 1;
}

.testi-avatar-img {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--blue-light);
  box-shadow: 0 2px 8px rgba(7, 17, 44, 0.08);
}

.testi-user-info {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.testi-name-row {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.testi-name {
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--blue-dark);
}

.testi-verified-badge {
  font-size: 0.72rem;
  font-weight: 700;
  color: #10B981;
  background: #E6FBF3;
  padding: 2px 8px;
  border-radius: 12px;
  letter-spacing: 0.02em;
}

.testi-city-row {
  font-size: 0.8rem;
  color: var(--gray-muted);
  font-weight: 500;
}

.carousel-btn {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--white);
  border: 1.5px solid var(--gray-border);
  color: var(--blue-dark);
  font-size: 1.25rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  flex-shrink: 0;
  z-index: 2;
}

.carousel-btn:hover {
  background: var(--blue-main);
  color: var(--white);
  border-color: var(--blue-main);
  transform: scale(1.06);
}

.testi-controls {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  margin-top: 24px;
}

.testi-dots {
  display: flex;
  align-items: center;
  gap: 8px;
}

.testi-dot {
  width: 8px;
  height: 8px;
  border-radius: 4px;
  background: var(--gray-border);
  border: none;
  cursor: pointer;
  padding: 0;
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

.testi-dot.active {
  width: 28px;
  background: var(--blue-main);
}

.testi-swipe-hint {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  color: var(--gray-muted);
  font-weight: 500;
  letter-spacing: 0.01em;
  animation: swipe-pulse 2.5s ease-in-out infinite;
}

.testi-swipe-hint svg {
  flex-shrink: 0;
  opacity: 0.7;
}

@keyframes swipe-pulse {
  0%, 100% { opacity: 0.6; transform: translateX(0); }
  50%       { opacity: 1;   transform: translateX(4px); }
}

/* ========== FAQ SECTION ========== */
.faq {
  padding: 90px 0;
  background: var(--white);
}

.faq-list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.faq-item {
  border: 1px solid var(--gray-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  background: var(--white);
  transition: var(--transition);
}

.faq-item:hover {
  border-color: var(--blue-subtle);
}

.faq-question {
  width: 100%;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: transparent;
  border: none;
  font-size: 1rem;
  font-weight: 700;
  color: var(--blue-dark);
  text-align: left;
  cursor: pointer;
  gap: 16px;
}

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--blue-light);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform 0.25s ease;
}

.faq-icon svg {
  width: 16px;
  height: 16px;
  stroke: var(--blue-main);
  fill: none;
  stroke-width: 2.5;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  background: var(--blue-main);
}

.faq-item.active .faq-icon svg {
  stroke: var(--white);
}

.faq-answer {
  padding: 0 24px 20px;
  font-size: 0.95rem;
  color: var(--gray-text);
  line-height: 1.65;
  display: none;
}

.faq-item.active .faq-answer {
  display: block;
}

/* ========== BANK LOGOS SECTION ========== */
.bank-logos {
  padding: 70px 0 80px;
  background: var(--gray-bg);
}

.bank-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 20px;
  align-items: center;
}

.bank-card {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--radius-md);
  padding: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  height: 70px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.bank-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: var(--blue-subtle);
}

.real-bank-logo {
  max-height: 38px;
  max-width: 120px;
  object-fit: contain;
}

/* ========== CONTACT SECTION ========== */
.contact {
  padding: 90px 0;
  background: var(--white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 50px;
  align-items: flex-start;
}

.contact-info h2 {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--blue-dark);
  line-height: 1.2;
  margin-bottom: 16px;
}

.contact-info p {
  color: var(--gray-text);
  font-size: 1.05rem;
  line-height: 1.6;
  margin-bottom: 36px;
}

.contact-items {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.c-item {
  display: flex;
  align-items: center;
  gap: 16px;
}

.c-icon {
  width: 46px;
  height: 46px;
  border-radius: var(--radius-sm);
  background: var(--blue-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue-main);
  flex-shrink: 0;
}

.c-icon svg {
  width: 22px;
  height: 22px;
  fill: currentColor;
}

.c-item strong {
  display: block;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gray-muted);
  margin-bottom: 2px;
}

.c-item a, .c-item span {
  font-size: 1rem;
  font-weight: 700;
  color: var(--blue-dark);
}

.contact-form {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-md);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--blue-dark);
  margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  color: var(--dark);
  background: var(--white);
  outline: none;
  transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--blue-main);
  box-shadow: 0 0 0 3px rgba(26, 86, 219, 0.15);
}

.form-group textarea {
  resize: vertical;
  min-height: 90px;
}

.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 18px;
}

.checkbox-group input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--blue-main);
  margin-top: 2px;
}

.checkbox-group label {
  font-size: 0.82rem;
  color: var(--gray-text);
  line-height: 1.5;
}

.form-legal {
  font-size: 0.78rem;
  color: var(--gray-muted);
  margin-bottom: 20px;
  line-height: 1.5;
}

.contact-form .btn-primary {
  width: 100%;
}

.form-success {
  display: none;
  background: #E6FBF3;
  color: #065F46;
  padding: 14px;
  border-radius: var(--radius-sm);
  border: 1px solid #A7F3D0;
  font-weight: 600;
  font-size: 0.92rem;
  margin-top: 16px;
  text-align: center;
}

/* ========== FOOTER (COMPACT & MODERN) ========== */
footer {
  background: var(--blue-dark);
  color: rgba(255, 255, 255, 0.8);
  padding: 40px 0 20px;
}

.legal-note {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-sm);
  padding: 12px 18px;
  font-size: 0.78rem;
  line-height: 1.5;
  margin-bottom: 26px;
  color: rgba(255, 255, 255, 0.65);
}

.legal-note strong {
  color: var(--white);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1.2fr 1fr;
  gap: 30px;
  margin-bottom: 24px;
}

.footer-brand .logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 8px;
  text-decoration: none;
}

.footer-brand .logo-icon {
  width: 34px;
  height: 34px;
  border-radius: 8px;
}

.footer-brand .logo-text {
  color: var(--white);
  font-size: 1.25rem;
}

.footer-brand .logo-text span {
  color: #38BDF8;
}

.footer-brand p {
  font-size: 0.82rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.6);
  max-width: 320px;
}

.footer-contact-info {
  margin-top: 12px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.footer-contact-info p {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 0;
}

.footer-contact-info svg {
  color: var(--accent-gold);
  flex-shrink: 0;
}

.footer-contact-info a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  transition: color 0.2s;
}

.footer-contact-info a:hover {
  color: var(--accent-gold);
}

footer h4 {
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 10px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.84rem;
  text-decoration: none;
  transition: color 0.2s;
}

.footer-links a:hover {
  color: var(--accent-gold);
}

.footer-bottom {
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.45);
  flex-wrap: wrap;
  gap: 8px;
}

/* ========== RESPONSIVE DESIGN ========== */
@media (max-width: 992px) {
  .hero .container {
    grid-template-columns: 1fr;
    gap: 40px;
  }

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

  .vantagens-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .navbar {
    top: 16px;
    margin: 0 16px;
    width: calc(100% - 32px);
    border-radius: 50px;
    background: #E5E7EB;
    border: none;
    backdrop-filter: none;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
  }

  .navbar .container {
    height: 64px;
    padding: 0 10px;
  }

  .logo {
    gap: 8px;
    text-decoration: none;
  }

  .logo-text {
    display: inline-block;
    font-size: 1.15rem;
    font-weight: 800;
    letter-spacing: -0.02em;
    white-space: nowrap;
  }

  .logo-icon {
    border-radius: 10px;
    width: 38px;
    height: 38px;
    flex-shrink: 0;
  }

  .nav-right {
    gap: 6px;
  }

  .nav-phone-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    background: var(--white);
    border-radius: 16px;
    color: var(--blue-main);
  }

  .nav-phone-btn svg {
    width: 20px;
    height: 20px;
    stroke-width: 2.5;
  }

  .btn-nav {
    height: 40px;
    border-radius: 20px;
    padding: 0 16px;
    font-size: 0.88rem;
    display: flex;
    align-items: center;
    font-weight: 700;
  }

  .desktop-text {
    display: none;
  }

  .mobile-text {
    display: inline;
  }

  .navbar .nav-links {
    display: none;
    position: absolute;
    top: 80px;
    left: 0;
    width: 100%;
    background: var(--white);
    flex-direction: column;
    padding: 24px;
    gap: 16px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
  }

  .navbar .nav-links.open {
    display: flex;
  }

  .nav-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    background: var(--white);
    border-radius: 12px;
    padding: 0;
  }

  .nav-toggle svg {
    width: 22px;
    height: 22px;
    stroke: var(--dark);
  }

  .hero-text h1 {
    font-size: 2.25rem;
  }

  .vantagens-grid {
    grid-template-columns: 1fr;
  }

  .duration-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .sim-result {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  /* Mobile Testimonials UX */
  .testi-carousel .carousel-btn {
    display: none;
  }

  .testi-mob-nav-btn {
    display: flex;
  }

  .testi-trust-header .trust-badge-pill {
    flex-direction: column;
    gap: 8px;
    text-align: center;
    border-radius: var(--radius-lg);
    padding: 14px 18px;
    width: 100%;
    max-width: 380px;
  }

  .trust-divider {
    display: none;
  }

  .testi-track {
    gap: 14px;
    padding: 10px 4px 16px;
    scroll-padding: 0 16px;
  }

  .testi-card {
    flex: 0 0 calc(100vw - 68px);
    max-width: 340px;
    padding: 24px 20px 20px;
    border-radius: 20px;
    scroll-snap-align: center;
  }

  .testi-quote {
    font-size: 0.92rem;
    line-height: 1.6;
    margin-bottom: 16px;
  }

  .testi-controls {
    margin-top: 18px;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 20px 16px;
    margin-bottom: 18px;
  }

  .footer-brand {
    grid-column: 1 / -1;
    margin-bottom: 2px;
  }

  .footer-links {
    gap: 4px;
  }

  .footer-links a {
    font-size: 0.82rem;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 4px;
    padding-top: 12px;
  }
}

/* ========== LEGAL PAGES STYLING ========== */
.legal-hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 100%);
  color: var(--white);
  padding: 60px 0 50px;
  position: relative;
  overflow: hidden;
}

.legal-hero::after {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(56, 189, 248, 0.18) 0%, rgba(56, 189, 248, 0) 70%);
  pointer-events: none;
}

.legal-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 18px;
}

.legal-breadcrumb a {
  color: var(--accent-gold);
  text-decoration: none;
  transition: opacity 0.2s;
}

.legal-breadcrumb a:hover {
  opacity: 0.8;
}

.legal-badge-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 14px;
}

.legal-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--accent-gold);
  background: rgba(56, 189, 248, 0.12);
  border: 1px solid rgba(56, 189, 248, 0.25);
  padding: 5px 12px;
  border-radius: 20px;
}

.legal-pill-green {
  color: #10B981;
  background: rgba(16, 185, 129, 0.12);
  border-color: rgba(16, 185, 129, 0.25);
}

.legal-page-body {
  padding: 40px 0 50px;
  background: var(--gray-bg);
}

.legal-wrapper {
  max-width: 920px;
  margin: 0 auto;
}

.legal-document {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 48px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-border);
}

.legal-document h2 {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--blue-dark);
  margin: 36px 0 16px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--blue-light);
  display: flex;
  align-items: center;
  gap: 10px;
}

.legal-document h2:first-of-type {
  margin-top: 0;
}

.legal-document h3 {
  font-size: 1.12rem;
  font-weight: 700;
  color: var(--blue-dark);
  margin: 22px 0 10px;
}

.legal-document p {
  color: var(--gray-text);
  font-size: 0.98rem;
  line-height: 1.75;
  margin-bottom: 16px;
}

.legal-document ul,
.legal-document ol {
  color: var(--gray-text);
  font-size: 0.98rem;
  line-height: 1.75;
  margin-bottom: 20px;
  padding-left: 24px;
}

.legal-document li {
  margin-bottom: 8px;
}

.legal-document strong {
  color: var(--blue-dark);
}

.legal-notice-box {
  background: var(--blue-light);
  border-left: 4px solid var(--blue-main);
  border-radius: var(--radius-sm);
  padding: 18px 22px;
  margin: 24px 0;
  font-size: 0.94rem;
  color: var(--blue-dark);
  line-height: 1.65;
}

.legal-notice-box strong {
  color: var(--blue-main);
}

.legal-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-size: 0.92rem;
}

.legal-table th,
.legal-table td {
  padding: 12px 16px;
  border: 1px solid var(--gray-border);
  text-align: left;
}

.legal-table th {
  background: var(--blue-light);
  color: var(--blue-dark);
  font-weight: 700;
}

.legal-table tr:nth-child(even) {
  background: var(--gray-bg);
}

/* ========== CREDIT DETAIL PAGES ENHANCEMENTS ========== */
.credit-cta-box {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-main) 100%);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  text-align: center;
  color: var(--white);
  margin: 40px 0 20px;
  box-shadow: 0 12px 32px rgba(26, 86, 219, 0.25);
  position: relative;
  overflow: hidden;
}

.credit-cta-box::after {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(56, 189, 248, 0.25) 0%, transparent 70%);
  pointer-events: none;
}

.credit-cta-box h3 {
  color: var(--white);
  font-size: 1.5rem;
  font-weight: 800;
  margin-bottom: 12px;
}

.credit-cta-box p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 1rem;
  max-width: 580px;
  margin: 0 auto 24px;
  line-height: 1.6;
}

.credit-cta-box .btn-cta-white {
  background: var(--white);
  color: var(--blue-main);
  font-weight: 800;
  font-size: 1rem;
  padding: 14px 36px;
  border-radius: var(--radius-sm);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  transition: var(--transition);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.15);
}

.credit-cta-box .btn-cta-white:hover {
  background: var(--blue-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.25);
}

.credit-info-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 16px;
  margin: 24px 0 32px;
}

.credit-info-card {
  background: var(--gray-bg);
  border: 1px solid var(--gray-border);
  border-radius: var(--radius-md);
  padding: 20px;
  transition: var(--transition);
}

.credit-info-card:hover {
  border-color: var(--blue-main);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.credit-info-card .card-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--gray-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 6px;
}

.credit-info-card .card-value {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--blue-dark);
}

.credit-info-card .card-desc {
  font-size: 0.85rem;
  color: var(--gray-text);
  margin-top: 4px;
  line-height: 1.4;
}

@media (max-width: 768px) {
  .legal-document {
    padding: 28px 20px;
    border-radius: var(--radius-lg);
  }
  .legal-hero {
    padding: 40px 0 35px;
  }
  .legal-document h2 {
    font-size: 1.25rem;
  }
}

/* ========== FAQ SECTION ========== */
.faq {
  padding: 90px 0;
  background: var(--white);
}

.faq-list {
  max-width: 840px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--radius-md);
  transition: border-color 0.25s ease, box-shadow 0.25s ease, background-color 0.25s ease;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.faq-item:hover {
  border-color: var(--blue-subtle);
  box-shadow: 0 4px 16px rgba(7, 17, 44, 0.08);
}

.faq-item.active {
  border-color: var(--blue-main);
  box-shadow: 0 6px 20px rgba(26, 86, 219, 0.12);
  background: #FCFDFF;
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 26px;
  background: transparent;
  border: none;
  text-align: left;
  font-family: inherit;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--blue-dark);
  cursor: pointer;
  transition: color 0.2s ease;
  user-select: none;
}

.faq-item.active .faq-question {
  color: var(--blue-main);
}

.faq-icon {
  width: 36px;
  height: 36px;
  min-width: 36px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--blue-light);
  border-radius: 50%;
  color: var(--blue-main);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), background-color 0.25s ease, color 0.25s ease;
}

.faq-icon svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  background: var(--blue-main);
  color: var(--white);
}

.faq-answer {
  max-height: 0;
  opacity: 0;
  visibility: hidden;
  overflow: hidden;
  padding: 0 26px;
  color: var(--gray-text);
  font-size: 0.98rem;
  line-height: 1.7;
  transition: max-height 0.35s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.25s ease, padding 0.35s cubic-bezier(0.16, 1, 0.3, 1), visibility 0.35s;
}

.faq-item.active .faq-answer {
  max-height: 500px;
  opacity: 1;
  visibility: visible;
  padding: 0 26px 22px 26px;
}

@media (max-width: 768px) {
  .faq {
    padding: 60px 0;
  }
  .faq-question {
    padding: 18px 20px;
    font-size: 0.98rem;
  }
  .faq-icon {
    width: 32px;
    height: 32px;
    min-width: 32px;
  }
  .faq-icon svg {
    width: 16px;
    height: 16px;
  }
  .faq-answer {
    padding: 0 20px;
    font-size: 0.92rem;
  }
  .faq-item.active .faq-answer {
    padding: 0 20px 18px 20px;
  }
}