/* ============================================================================
   style.css — GO Crédito Landing Page
   Tarefa 3: variáveis, base, header, hero e simulador.
   (Tarefas 4-6 acrescentam as restantes secções.)
   ============================================================================ */

/* ----------------------------- Variáveis ----------------------------------- */
:root {
  --azul: #0B326F;          /* cor dominante */
  --azul-escuro: #07234f;
  --teal: #02B0AC;          /* accent / CTA */
  --teal-escuro: #019b97;
  --branco: #FFFFFF;
  --cinza-claro: #F5F7FA;
  --cinza: #6B7785;
  --cinza-borda: #E2E8F0;
  --texto: #1A2433;

  --font-display: 'Montserrat', sans-serif;
  --font-body: 'Inter', sans-serif;

  --raio: 14px;
  --sombra: 0 10px 40px rgba(11, 50, 111, 0.12);
  --sombra-sm: 0 2px 10px rgba(11, 50, 111, 0.08);
  --container: 1180px;
}

/* ------------------------------- Reset ------------------------------------- */
* { margin: 0; padding: 0; box-sizing: border-box; }

/* O atributo [hidden] tem de ganhar às classes .btn (display:inline-flex) */
[hidden] { display: none !important; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--texto);
  background: #F7F9FC;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
/* Fundo "aurora" num pseudo FIXO (evita o bug de repaint do background-attachment:fixed
   no iOS, que fazia o conteúdo só aparecer ao tocar/scrollar). */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  background:
    radial-gradient(55% 45% at 12% 8%, rgba(2, 176, 172, 0.12), transparent 60%),
    radial-gradient(50% 40% at 92% 18%, rgba(11, 50, 111, 0.12), transparent 60%),
    radial-gradient(45% 45% at 78% 88%, rgba(2, 176, 172, 0.10), transparent 60%),
    radial-gradient(45% 40% at 8% 75%, rgba(11, 50, 111, 0.08), transparent 60%);
}

/* ----------------------- Liquid glass (utilitários) ------------------------ */
/* Painel de vidro sobre fundos claros (aurora). */
.glass {
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  border: 1px solid rgba(255, 255, 255, 0.7);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.85), 0 10px 30px rgba(11, 50, 111, 0.08);
}
/* Fallback: sem backdrop-filter, aumenta a opacidade para manter legibilidade */
@supports not ((backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px))) {
  .glass { background: rgba(255, 255, 255, 0.92); }
}

/* Ícones SVG inline */
.ic { display: inline-block; vertical-align: middle; flex: none; }

h1, h2, h3 { font-family: var(--font-display); line-height: 1.2; }

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

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* ------------------------------- Botões ------------------------------------ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 16px;
  border: none;
  border-radius: var(--raio);
  padding: 15px 26px;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn--next, .btn--submit {
  background: var(--teal);
  color: var(--branco);
  box-shadow: 0 6px 18px rgba(2, 176, 172, 0.35);
}
.btn--next:hover, .btn--submit:hover { background: var(--teal-escuro); transform: translateY(-2px); }
.btn--submit { width: 100%; font-size: 17px; }
.btn--submit:disabled { opacity: .7; cursor: wait; transform: none; }
.btn--back {
  background: transparent;
  color: var(--cinza);
  padding-left: 6px;
  padding-right: 6px;
}
.btn--back:hover { color: var(--azul); }
.btn--ghost {
  background: var(--branco);
  color: var(--azul);
  border: 2px solid var(--branco);
}
.btn--ghost:hover { transform: translateY(-2px); }
.btn--header-cta {
  background: linear-gradient(135deg, var(--teal), var(--teal-escuro));
  color: var(--branco);
  font-size: 15px;
  padding: 11px 22px;
  box-shadow: 0 6px 18px rgba(2, 176, 172, 0.35);
}
.btn--header-cta:hover { transform: translateY(-2px); box-shadow: 0 10px 24px rgba(2, 176, 172, 0.45); }

/* ------------------------------- Header ------------------------------------ */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.65);
  backdrop-filter: blur(18px) saturate(160%);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  border-bottom: 1px solid rgba(255, 255, 255, 0.5);
  box-shadow: 0 4px 24px rgba(11, 50, 111, 0.06);
}
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.logo-placeholder {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 22px;
  color: var(--azul);
  letter-spacing: -0.5px;
}
.header__logo-img { height: 40px; width: auto; display: block; }
.header__phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  color: var(--azul);
  background: rgba(255, 255, 255, 0.6);
  border: 1px solid rgba(255, 255, 255, 0.8);
  box-shadow: var(--sombra-sm);
  padding: 9px 16px;
  border-radius: 999px;
  transition: background .15s ease, transform .15s ease;
}
.header__phone:hover { background: rgba(255, 255, 255, 0.9); transform: translateY(-1px); }
.header__phone svg { width: 17px; height: 17px; }

/* -------------------------------- Hero ------------------------------------- */
.hero {
  background: linear-gradient(160deg, var(--azul) 0%, var(--azul-escuro) 100%);
  color: var(--branco);
  padding: 56px 0 72px;
  position: relative;
  overflow: hidden;
}
.hero::after { /* brilho subtil teal */
  content: '';
  position: absolute;
  top: -120px; right: -120px;
  width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(2,176,172,0.35), transparent 70%);
  pointer-events: none;
}
.hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.02fr 0.98fr;
  gap: 48px;
  align-items: center;
}
.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, rgba(2, 176, 172, 0.22), rgba(2, 176, 172, 0.08));
  border: 1px solid rgba(2, 176, 172, 0.45);
  border-left: 3px solid var(--teal);
  color: #aef5f2;
  font-weight: 700;
  font-size: 12.5px;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  padding: 8px 16px;
  border-radius: 8px;
  margin-bottom: 22px;
}
.hero__title {
  font-size: clamp(32px, 4.2vw, 52px);
  font-weight: 800;
  letter-spacing: -1px;
  margin-bottom: 18px;
}
.hero__title .hl { color: var(--teal); }
.hero__subtitle {
  font-size: 18px;
  color: rgba(255, 255, 255, 0.82);
  max-width: 520px;
  margin-bottom: 24px;
}
.hero__perks { list-style: none; display: grid; gap: 12px; margin-bottom: 28px; }
.hero__perks li { display: flex; align-items: center; gap: 12px; font-size: 16px; }
.hero__perks .tick {
  display: inline-flex; align-items: center; justify-content: center;
  width: 24px; height: 24px; flex: none;
  background: var(--teal); color: var(--branco);
  border-radius: 999px; font-size: 13px; font-weight: 700;
}
.hero__cta-mobile { display: none; }

/* Ícones dentro do hero */
.hero__badge svg { width: 14px; height: 14px; margin-right: 4px; vertical-align: -2px; }
.hero__perks .tick svg { width: 13px; height: 13px; }

/* Ilustração do edifício — personaliza o hero, atrás do simulador (efeito glass) */
.hero__building {
  position: absolute;
  right: -40px;
  bottom: -20px;
  width: min(600px, 48vw);
  height: auto;
  z-index: 0;
  opacity: 0.95;
  filter: drop-shadow(0 30px 50px rgba(0, 0, 0, 0.35));
  pointer-events: none;
  user-select: none;
}

/* ------------------------------ Simulador ---------------------------------- */
.simulador {
  position: relative;
  /* Liquid glass: vidro fosco translúcido sobre o edifício + gradiente do hero */
  background: rgba(255, 255, 255, 0.74);
  backdrop-filter: blur(30px) saturate(165%);
  -webkit-backdrop-filter: blur(30px) saturate(165%);
  color: var(--texto);
  border-radius: 24px;
  border: 1px solid rgba(255, 255, 255, 0.6);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.8),
    inset 0 0 0 1px rgba(255, 255, 255, 0.1),
    0 30px 70px rgba(7, 35, 79, 0.5);
  padding: 30px;
}
@supports not ((backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px))) {
  .simulador { background: rgba(255, 255, 255, 0.96); }
}
/* Selo de confiança sobre o canto do simulador */
.simulador__selo {
  position: absolute;
  top: -40px;
  right: -30px;
  width: 138px;
  height: 138px;
  z-index: 3;
  filter: drop-shadow(0 8px 18px rgba(0, 0, 0, 0.25));
  transform: rotate(6deg);
}
.simulador__header { margin-bottom: 24px; }
.simulador__title {
  font-size: 21px;
  color: var(--azul);
  margin-bottom: 8px;
}
.simulador__step-label {
  font-size: 14px;
  color: var(--cinza);
  font-weight: 600;
  margin-bottom: 12px;
}
.progress {
  height: 7px;
  background: var(--cinza-claro);
  border-radius: 999px;
  overflow: hidden;
}
.progress__bar {
  height: 100%;
  width: 16.66%;
  background: linear-gradient(90deg, var(--teal), var(--azul));
  border-radius: 999px;
  transition: width .35s ease;
}

/* Passos: só o ativo aparece */
.step { display: none; animation: fade .35s ease; }
.step.is-active { display: block; }
@keyframes fade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

.step__label {
  display: block;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 20px;
  color: var(--texto);
  margin-bottom: 6px;
}
.step__hint { font-size: 15px; color: var(--cinza); margin-bottom: 18px; }
.step__error { color: #d64550; font-size: 14px; min-height: 20px; margin-top: 8px; }
.step__consent { font-size: 13px; color: var(--cinza); margin-top: 6px; }

/* Input com sufixo € / anos */
.input-euro { position: relative; }
.input-euro input {
  width: 100%;
  font-family: var(--font-body);
  font-size: 22px;
  font-weight: 600;
  padding: 16px 64px 16px 18px;
  background: rgba(255, 255, 255, 0.9);
  border: 2px solid rgba(11, 50, 111, 0.12);
  border-radius: var(--raio);
  color: var(--texto);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.input-euro input:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 4px rgba(2, 176, 172, 0.12);
}
.input-euro__suffix {
  position: absolute;
  right: 18px; top: 50%; transform: translateY(-50%);
  font-weight: 600; color: var(--cinza); font-size: 18px;
}

/* Campos de texto simples (passo 6) */
.field { margin-bottom: 14px; }
.field input {
  width: 100%;
  font-family: var(--font-body);
  font-size: 16px;
  padding: 14px 16px;
  background: rgba(255, 255, 255, 0.9);
  border: 2px solid rgba(11, 50, 111, 0.12);
  border-radius: var(--raio);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field input:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 4px rgba(2, 176, 172, 0.12);
}
.field .step__error { min-height: 0; }

/* Botões de escolha (ex.: 2º titular Sim/Não) */
.escolha { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.escolha__btn {
  display: flex; flex-direction: column; align-items: center; gap: 10px;
  padding: 24px 14px;
  cursor: pointer;
  background: rgba(255, 255, 255, 0.7);
  border: 2px solid rgba(11, 50, 111, 0.12);
  border-radius: var(--raio);
  color: var(--azul);
  font-family: var(--font-body); font-weight: 600; font-size: 15px;
  text-align: center;
  transition: border-color .15s ease, transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.escolha__btn svg { width: 30px; height: 30px; color: var(--teal); }
.escolha__btn:hover { border-color: var(--teal); transform: translateY(-2px); }
.escolha__btn.is-selected {
  border-color: var(--teal);
  background: rgba(2, 176, 172, 0.12);
  box-shadow: 0 0 0 4px rgba(2, 176, 172, 0.15);
}

/* Slider do prazo */
.slider-wrap { padding-top: 6px; }
.slider-value {
  display: block;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 28px;
  color: var(--azul);
  margin-bottom: 14px;
}
input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 8px;
  background: var(--cinza-claro);
  border-radius: 999px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 26px; height: 26px;
  background: var(--teal);
  border: 4px solid var(--branco);
  border-radius: 50%;
  box-shadow: 0 2px 8px rgba(2,176,172,0.5);
  cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px;
  background: var(--teal);
  border: 4px solid var(--branco);
  border-radius: 50%;
  cursor: pointer;
}
.slider-ticks {
  display: flex; justify-content: space-between;
  font-size: 12px; color: var(--cinza); margin-top: 10px;
}
/* Equivalente em € por baixo do slider da entrada */
.slider-eq {
  margin-top: 12px;
  font-weight: 600;
  color: var(--azul);
  font-size: 15px;
  min-height: 20px;
}
/* Select do documento (nacionalidade estrangeira) */
.select-doc {
  width: 100%;
  font-family: var(--font-body);
  font-size: 16px;
  padding: 14px 16px;
  background: rgba(255, 255, 255, 0.9);
  border: 2px solid rgba(11, 50, 111, 0.12);
  border-radius: var(--raio);
  color: var(--texto);
  cursor: pointer;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.select-doc:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 4px rgba(2, 176, 172, 0.12); }

/* Navegação do simulador */
.simulador__nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-top: 26px;
}
.simulador__nav .btn--next { margin-left: auto; }

/* --------------------- Títulos de secção (genéricos) ----------------------- */
.sec-title {
  font-size: clamp(26px, 3.4vw, 38px);
  font-weight: 800;
  color: var(--azul);
  text-align: center;
  letter-spacing: -0.5px;
}
.sec-title--branco { color: var(--branco); text-align: left; }
.sec-sub {
  text-align: center;
  color: var(--cinza);
  font-size: 17px;
  margin: 10px 0 40px;
}
.container--estreito { max-width: 820px; }
.eyebrow {
  display: inline-block;
  font-weight: 700;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--azul);
  margin-bottom: 12px;
}
.eyebrow--teal { color: var(--teal); }

/* ----------------------------- Benefícios ---------------------------------- */
.beneficios { padding: 72px 0; background: transparent; }
.beneficios__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.card-beneficio {
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 18px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.85), 0 10px 30px rgba(11, 50, 111, 0.08);
  padding: 32px 26px;
  text-align: center;
  transition: transform .2s ease, box-shadow .2s ease;
}
.card-beneficio:hover { transform: translateY(-4px); box-shadow: inset 0 1px 0 rgba(255,255,255,0.85), 0 18px 44px rgba(11, 50, 111, 0.15); }
.card-beneficio__icon {
  width: 70px; height: 70px;
  margin: 0 auto 16px;
  display: flex; align-items: center; justify-content: center;
  color: var(--teal);
  background: linear-gradient(135deg, rgba(2,176,172,0.15), rgba(11,50,111,0.12));
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 18px;
}
.card-beneficio__icon svg { width: 36px; height: 36px; }
.card-beneficio h3 { font-size: 22px; color: var(--azul); margin-bottom: 8px; }
.card-beneficio p { color: var(--cinza); font-size: 15px; }

/* --------------------------- Animações de scroll --------------------------- */
/* Só escondem conteúdo quando há JS (.js no <html>). Sem JS → visível sempre. */
.js .reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .6s ease, transform .6s ease;
  will-change: opacity, transform;
}
.js .reveal.is-visible { opacity: 1; transform: none; }

/* Acessibilidade: quem pediu menos movimento não vê animação nenhuma. */
@media (prefers-reduced-motion: reduce) {
  .js .reveal { opacity: 1; transform: none; transition: none; }
}

/* ---------------------------- Como funciona -------------------------------- */
.como-funciona { padding: 72px 0; background: transparent; }
.passos__grid {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.passo {
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 18px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.85), 0 10px 30px rgba(11, 50, 111, 0.08);
  padding: 40px 26px 30px;
  text-align: center;
  position: relative;
  transition: transform .2s ease, box-shadow .2s ease;
}
.passo:hover { transform: translateY(-4px); box-shadow: inset 0 1px 0 rgba(255,255,255,0.85), 0 18px 44px rgba(11, 50, 111, 0.15); }
.passo__num {
  position: absolute;
  top: -22px; left: 50%; transform: translateX(-50%);
  width: 44px; height: 44px;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--teal), var(--azul));
  color: var(--branco);
  font-family: var(--font-display);
  font-weight: 800; font-size: 20px;
  border-radius: 50%;
  box-shadow: 0 6px 16px rgba(2, 176, 172, 0.4);
}
.passo__icon {
  width: 64px; height: 64px;
  margin: 6px auto 14px;
  display: flex; align-items: center; justify-content: center;
  color: var(--teal);
  background: linear-gradient(135deg, rgba(2,176,172,0.15), rgba(11,50,111,0.12));
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 16px;
}
.passo__icon svg { width: 32px; height: 32px; }
.passo h3 { font-size: 21px; color: var(--azul); margin-bottom: 8px; }
.passo p { color: var(--cinza); font-size: 15px; }
.como-funciona__cta { text-align: center; margin-top: 40px; }
.como-funciona__btn { width: auto; display: inline-flex; }

/* ------------------------ Secções explicativas ----------------------------- */
.explica { padding: 72px 0; }
.explica--claro { background: var(--cinza-claro); }
.explica--escuro { background: linear-gradient(160deg, var(--azul) 0%, var(--azul-escuro) 100%); color: var(--branco); }
.explica__inner {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 48px;
  align-items: center;
}
.explica__inner--rev .explica__media { order: 2; }
.explica__media {
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal);
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  border: 1px solid rgba(255, 255, 255, 0.7);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.85), 0 10px 30px rgba(11, 50, 111, 0.08);
  border-radius: 22px;
  padding: 48px;
}
.explica__media svg { width: 120px; height: 120px; }
.explica--escuro .explica__media {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: #7ff0ed;
}
.explica__copy p { margin-bottom: 14px; font-size: 17px; color: var(--texto); }
.explica__copy .texto-claro { color: rgba(255,255,255,0.85); }
.explica--escuro .sec-title { text-align: left; }

/* ----------------------------- Testemunhos --------------------------------- */
.testemunhos { padding: 72px 0; background: transparent; }
.testemunhos__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.card-testemunho {
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 18px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.85), 0 10px 30px rgba(11, 50, 111, 0.08);
  padding: 28px;
  transition: transform .2s ease, box-shadow .2s ease;
}
.card-testemunho:hover { transform: translateY(-4px); box-shadow: inset 0 1px 0 rgba(255,255,255,0.85), 0 18px 44px rgba(11, 50, 111, 0.15); }
/* Cabeçalho: avatar + nome + fonte Google */
.card-testemunho__head { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.card-testemunho__avatar {
  width: 44px; height: 44px; flex: none;
  border-radius: 50%; object-fit: cover;
  border: 2px solid rgba(255, 255, 255, 0.9);
  box-shadow: var(--sombra-sm);
  background: var(--cinza-claro);
}
.card-testemunho__id { display: flex; flex-direction: column; line-height: 1.3; }
.card-testemunho figcaption { font-weight: 700; color: var(--azul); }
.card-testemunho__source { display: inline-flex; align-items: center; gap: 5px; font-size: 12.5px; color: var(--cinza); }
.card-testemunho__source .gicon { width: 14px; height: 14px; }
.card-testemunho .stars { display: flex; gap: 3px; color: #FFB400; margin-bottom: 12px; }
.card-testemunho .stars svg { width: 18px; height: 18px; fill: currentColor; }
.card-testemunho blockquote { font-size: 15.5px; color: var(--texto); font-style: italic; line-height: 1.6; }

/* ----------------------------- Parceiros ----------------------------------- */
.parceiros { padding: 72px 0; background: transparent; }
.parceiros__grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
  gap: 16px;
}
.logo-banco {
  background: rgba(255, 255, 255, 0.6);
  backdrop-filter: blur(14px) saturate(140%);
  -webkit-backdrop-filter: blur(14px) saturate(140%);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 16px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.85), 0 6px 20px rgba(11, 50, 111, 0.06);
  height: 80px;
  display: flex; align-items: center; justify-content: center;
  padding: 12px 18px;
  transition: transform .2s ease, box-shadow .2s ease;
}
.logo-banco:hover { transform: translateY(-3px); box-shadow: inset 0 1px 0 rgba(255,255,255,0.85), 0 14px 32px rgba(11, 50, 111, 0.12); }
.logo-banco img {
  max-width: 100%;
  max-height: 100%;
  object-fit: contain;
}

/* -------------------------------- FAQ -------------------------------------- */
.faq { padding: 72px 0; background: transparent; }
.faq__lista { margin-top: 24px; display: grid; gap: 12px; }
.faq__item {
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(14px) saturate(140%);
  -webkit-backdrop-filter: blur(14px) saturate(140%);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 16px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.85), 0 6px 20px rgba(11, 50, 111, 0.06);
  padding: 4px 22px;
  overflow: hidden;
}
.faq__item summary {
  cursor: pointer;
  font-weight: 600;
  font-size: 17px;
  color: var(--azul);
  padding: 18px 0;
  list-style: none;
  position: relative;
  padding-right: 30px;
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::after {
  content: '+';
  position: absolute; right: 0; top: 50%; transform: translateY(-50%);
  font-size: 24px; color: var(--teal); font-weight: 400;
}
.faq__item[open] summary::after { content: '−'; }
.faq__item p { padding-bottom: 18px; color: var(--cinza); font-size: 16px; }

/* ------------------------------- Rodapé ------------------------------------ */
.rodape { background: var(--azul-escuro); color: rgba(255,255,255,0.8); padding-top: 56px; }
.rodape__inner {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1.4fr;
  gap: 40px;
  padding-bottom: 40px;
}
.logo-placeholder--branco { color: var(--branco); display: inline-block; margin-bottom: 14px; }
.rodape__legal, .rodape__nota { font-size: 14px; line-height: 1.7; }
.rodape__col h4 { color: var(--branco); font-family: var(--font-display); margin-bottom: 12px; font-size: 16px; }
.rodape__col a { color: var(--teal); }
.rodape__col p { font-size: 15px; margin-bottom: 8px; }
.rodape__base {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding: 20px 0;
  font-size: 14px;
  text-align: center;
}

/* ---------------------------- Sticky CTA bar ------------------------------- */
.sticky-cta {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 90;
  background: rgba(11, 50, 111, 0.55);
  backdrop-filter: blur(22px) saturate(160%);
  -webkit-backdrop-filter: blur(22px) saturate(160%);
  border-top: 1px solid rgba(255, 255, 255, 0.18);
  box-shadow: 0 -6px 30px rgba(0,0,0,0.22);
  transform: translateY(100%);
  transition: transform .3s ease;
}
@supports not ((backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px))) {
  .sticky-cta { background: rgba(11, 50, 111, 0.97); }
}
.sticky-cta.is-visible { transform: translateY(0); }
.sticky-cta__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-top: 14px; padding-bottom: 14px;
}
.sticky-cta__texto { color: var(--branco); font-weight: 600; font-size: 17px; }
.sticky-cta__btn { width: auto; white-space: nowrap; }

/* ------------------------------- CTA grande -------------------------------- */
.btn--cta {
  background: linear-gradient(135deg, var(--teal), var(--teal-escuro));
  color: var(--branco);
  font-size: 18px;
  font-weight: 700;
  padding: 17px 34px;
  border-radius: 14px;
  box-shadow: 0 12px 30px rgba(2, 176, 172, 0.45);
}
.btn--cta:hover { transform: translateY(-2px); box-shadow: 0 16px 38px rgba(2, 176, 172, 0.55); }

/* ------------------------------- Modal ------------------------------------- */
.modal { position: fixed; inset: 0; z-index: 1000; display: none; align-items: center; justify-content: center; padding: 24px; }
.modal.is-open { display: flex; }
.modal__overlay {
  position: absolute; inset: 0;
  background: rgba(7, 35, 79, 0.55);
  backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
  animation: modalFade .25s ease;
}
.modal__dialog {
  position: relative; z-index: 1;
  width: 100%; max-width: 480px;
  max-height: 92vh; overflow-y: auto;
  animation: modalUp .3s ease;
}
.modal__dialog .simulador {
  background: var(--branco);
  backdrop-filter: none; -webkit-backdrop-filter: none;
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.4);
}
.modal__close {
  position: absolute; top: 12px; right: 12px; z-index: 4;
  width: 38px; height: 38px;
  display: flex; align-items: center; justify-content: center;
  background: var(--cinza-claro); color: var(--azul);
  border: none; border-radius: 50%; cursor: pointer;
  transition: background .15s ease, transform .2s ease;
}
.modal__close:hover { background: #e3e9f2; transform: rotate(90deg); }
.modal__close svg { width: 20px; height: 20px; }
@keyframes modalFade { from { opacity: 0; } to { opacity: 1; } }
@keyframes modalUp { from { opacity: 0; transform: translateY(24px) scale(.98); } to { opacity: 1; transform: none; } }

/* ------------------------------ Confiança ---------------------------------- */
.confianca { padding: 72px 0; background: transparent; }
.confianca__inner {
  display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 50px; align-items: center;
}
.confianca__media { position: relative; }
.confianca__img { width: 100%; height: auto; display: block; }
.confianca__selo {
  position: absolute; bottom: 4px; right: 10px;
  width: 116px; height: 116px;
  filter: drop-shadow(0 10px 22px rgba(0, 0, 0, 0.22));
}
.confianca .sec-title { text-align: left; }
.confianca__copy p { font-size: 17px; color: var(--texto); margin: 14px 0 18px; }
.confianca__pts { list-style: none; display: grid; gap: 12px; margin-bottom: 26px; }
.confianca__pts li { display: flex; align-items: center; gap: 12px; font-weight: 500; }
.confianca__pts .tick {
  display: inline-flex; align-items: center; justify-content: center;
  width: 24px; height: 24px; flex: none;
  background: var(--teal); color: var(--branco); border-radius: 999px;
}
.confianca__pts .tick svg { width: 13px; height: 13px; }

/* ------------------------------- Carrossel --------------------------------- */
.carousel { position: relative; }
.carousel__track {
  display: flex; gap: 24px;
  overflow-x: auto; scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
  padding: 6px 4px 16px;
  scrollbar-width: none;
}
.carousel__track::-webkit-scrollbar { display: none; }
.carousel__track > .card-testemunho {
  flex: 0 0 calc((100% - 48px) / 3);
  scroll-snap-align: start;
}
.carousel__btn {
  position: absolute; top: 45%; transform: translateY(-50%);
  z-index: 2;
  width: 46px; height: 46px;
  display: flex; align-items: center; justify-content: center;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.85);
  box-shadow: 0 8px 22px rgba(11, 50, 111, 0.15);
  color: var(--azul); border-radius: 50%; cursor: pointer;
  transition: background .15s ease, opacity .2s ease;
}
.carousel__btn:hover { background: #fff; }
.carousel__btn svg { width: 22px; height: 22px; }
.carousel__btn--prev { left: -20px; }
.carousel__btn--next { right: -20px; }
.carousel__btn[disabled] { opacity: 0; pointer-events: none; }

/* ------------------------------ Responsivo --------------------------------- */
@media (max-width: 860px) {
  .hero__inner { grid-template-columns: 1fr; gap: 32px; }
  .hero__cta-mobile { display: inline-flex; width: 100%; }
  /* Edifício como fundo ténue atrás do texto — dá vida ao hero em mobile */
  .hero__building {
    display: block;
    right: -20%;
    bottom: auto;
    top: 24%;
    transform: none;
    width: 124%;
    max-width: none;
    opacity: 0.18;
    filter: none;
  }
  /* Selo um pouco menor no mobile */
  .simulador__selo { width: 100px; height: 100px; top: -30px; right: -10px; }

  /* Secção confiança e carrossel em mobile */
  .confianca__inner { grid-template-columns: 1fr; gap: 26px; }
  .confianca__media { max-width: 360px; margin: 0 auto; }
  .confianca__selo { width: 92px; height: 92px; }
  .carousel__track > .card-testemunho { flex: 0 0 86%; }
  .carousel__btn { display: none; } /* em mobile usa-se swipe */
  .btn--cta { width: 100%; }
  .header__phone span:last-child { display: none; }
  .header__phone { padding: 9px; }

  .beneficios__grid,
  .testemunhos__grid { grid-template-columns: 1fr; }
  /* Passos empilham; mais espaço em cima para o número não tapar */
  .passos__grid { grid-template-columns: 1fr; gap: 36px; }
  .explica__inner { grid-template-columns: 1fr; gap: 28px; }
  .explica__inner--rev .explica__media { order: 0; }
  .explica--escuro .sec-title, .explica__copy { text-align: left; }
  .explica__media { font-size: 80px; padding: 28px; }
  .rodape__inner { grid-template-columns: 1fr; gap: 28px; }

  /* Sticky bar empilha em mobile */
  .sticky-cta__inner { flex-direction: column; gap: 10px; padding-top: 12px; padding-bottom: 12px; }
  .sticky-cta__texto { font-size: 15px; }
  .sticky-cta__btn { width: 100%; }
  /* Espaço para a barra não tapar o rodapé */
  .rodape__base { margin-bottom: 120px; }
}