/* ==========================================================
   MKF Seguros e Financiamentos — Home
   Tema escuro: três tons de preto quente + dourado da logo como destaque.
   Tipografia: Manrope.
   ========================================================== */

:root{
  --ink:#0f0e0b;
  --ink-2:#18160f;
  --ink-3:#24211a;
  --gold:#d2ad4f;
  --gold-2:#e8cd7e;
  --gold-deep:#dcbb66;
  --cream:#14120e;
  --paper:#0f0e0b;
  --card:#1a1813;
  --card-2:#221f18;
  --line:rgba(210,173,79,.16);
  --heading:#faf6ec;
  --line-dark:rgba(210,173,79,.22);
  --text:#ece6d8;
  --muted:#aaa18d;
  --on-dark:#f3eee2;
  --on-dark-muted:#b9b09c;
  --gold-grad:linear-gradient(135deg,#f7e4a6 0%,#e0bd68 34%,#c69c48 62%,#94702e 100%);
  --wa:#1f8f4e;
  --wa-hover:#177a41;

  --radius:24px;
  --radius-sm:14px;
  --maxw:1200px;
  --gutter:clamp(18px,4vw,32px);
  --ease:cubic-bezier(.22,.61,.36,1);
  --shadow:0 30px 70px -30px rgba(0,0,0,.9);
  --font:"Manrope",system-ui,-apple-system,"Segoe UI",sans-serif;
}

*,*::before,*::after{ box-sizing:border-box; }
*{ margin:0; padding:0; }
html{ scroll-behavior:smooth; scroll-padding-top:88px; -webkit-text-size-adjust:100%; }
body{
  font-family:var(--font);
  font-size:18px;
  line-height:1.6;
  color:var(--text);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{ display:block; max-width:100%; height:auto; }
a{ color:inherit; }
ul,ol{ list-style:none; }
button{ font:inherit; cursor:pointer; border:0; background:none; color:inherit; }
input{ font:inherit; }
h1,h2,h3{ color:var(--heading); line-height:1.1; letter-spacing:-.03em; font-weight:800; }
h1,h2{ text-wrap:balance; }
::selection{ background:var(--gold-2); color:var(--ink); }

:focus-visible{ outline:3px solid var(--gold); outline-offset:3px; border-radius:6px; }

.ic{ width:20px; height:20px; flex:none; }
.ic--lg{ width:30px; height:30px; }

.skip{
  position:absolute; left:16px; top:-60px; z-index:100;
  background:var(--gold); color:var(--ink); padding:10px 16px; border-radius:10px; font-weight:700;
}
.skip:focus{ top:12px; }

.wrap{ width:100%; max-width:var(--maxw); margin-inline:auto; padding-inline:var(--gutter); }
.section{ padding-block:clamp(56px,8.5vw,108px); }

/* ---------- Tipos ---------- */
.eyebrow{
  font-size:13px; font-weight:700; letter-spacing:.2em; text-transform:uppercase;
  color:var(--gold-deep);
}
.eyebrow--gold{ color:var(--gold); }
h2{ font-size:clamp(30px,3.9vw,48px); }
.sec-head{ text-align:center; max-width:760px; margin:0 auto clamp(40px,5vw,60px); }
.sec-head h2{ margin-top:12px; }
.sec-head--left{ text-align:left; margin-inline:0; }
.sec-lead{ color:var(--muted); font-size:clamp(17px,1.5vw,19px); margin-top:16px; max-width:60ch; }
.sec-head:not(.sec-head--left) .sec-lead{ margin-inline:auto; }
.roof{ width:72px; height:20px; color:var(--gold); display:block; margin:0 auto 14px; }

/* ---------- Botões ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  padding:14px 24px; border-radius:999px;
  font-weight:700; font-size:16px; text-decoration:none; line-height:1.2;
  transition:transform .25s var(--ease), background-color .25s, border-color .25s, box-shadow .25s;
}
.btn:hover{ transform:translateY(-2px); }
.btn--lg{ padding:17px 30px; font-size:17px; }
.btn--sm{ padding:10px 18px; font-size:15px; }
.btn--block{ width:100%; }
.btn--gold{ background:var(--gold-grad); color:var(--ink); box-shadow:0 14px 34px -14px rgba(210,173,79,.75), inset 0 1px 0 rgba(255,255,255,.45); }
.btn--gold:hover{ box-shadow:0 18px 40px -12px rgba(210,173,79,.9), inset 0 1px 0 rgba(255,255,255,.45); filter:brightness(1.05); }
.btn--line{ border:1.5px solid rgba(243,238,226,.35); color:var(--on-dark); }
.btn--line:hover{ border-color:var(--gold); color:var(--gold-2); }
.btn--line .ic{ width:18px; height:18px; }
.btn--dark{ border:1.5px solid var(--gold); color:var(--gold-2); margin-top:28px; }
.btn--dark:hover{ background:rgba(210,173,79,.1); }

/* ---------- Cabeçalho ---------- */
.header{
  position:fixed; inset:0 0 auto; z-index:50;
  background:rgba(15,14,11,.82);
  backdrop-filter:blur(14px); -webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid transparent;
  transition:border-color .3s, background-color .3s;
}
.header.scrolled{ background:rgba(15,14,11,.95); border-color:var(--line-dark); }
.nav{ height:76px; display:flex; align-items:center; gap:28px; }
.brand{ display:flex; align-items:center; gap:12px; text-decoration:none; color:var(--on-dark); margin-right:auto; }
.brand img{ width:48px; height:48px; border-radius:50%; }
.brand-txt{ display:flex; flex-direction:column; line-height:1.05; }
.brand-txt b{ font-size:21px; letter-spacing:.04em; }
.brand-txt small{ font-size:11px; font-weight:600; letter-spacing:.2em; text-transform:uppercase; color:var(--gold); margin-top:3px; }
.nav-links{ display:flex; gap:30px; }
.nav-links a{ color:var(--on-dark-muted); text-decoration:none; font-size:15.5px; font-weight:600; transition:color .2s; }
.nav-links a:hover{ color:var(--gold-2); }
.burger{ display:none; width:44px; height:44px; border-radius:12px; position:relative; }
.burger span{ position:absolute; left:11px; right:11px; height:2px; background:var(--on-dark); border-radius:2px; transition:transform .3s var(--ease), top .3s var(--ease); }
.burger span:first-child{ top:17px; }
.burger span:last-child{ top:25px; }
.burger[aria-expanded="true"] span:first-child{ top:21px; transform:rotate(45deg); }
.burger[aria-expanded="true"] span:last-child{ top:21px; transform:rotate(-45deg); }
.drawer{ display:none; }

/* ---------- Hero ---------- */
.hero{
  position:relative; overflow:hidden; isolation:isolate;
  background:var(--ink); color:var(--on-dark);
  padding:calc(76px + clamp(36px,6vw,80px)) 0 0;
}
.hero-bg{
  position:absolute; inset:0; z-index:-1; pointer-events:none;
  background:
    radial-gradient(50% 60% at 50% 30%, rgba(210,173,79,.18), transparent 70%),
    radial-gradient(40% 40% at 50% 110%, rgba(210,173,79,.1), transparent 70%);
}
.hero-bg::before{
  content:""; position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(210,173,79,.07) 1px, transparent 1px),
    linear-gradient(90deg, rgba(210,173,79,.07) 1px, transparent 1px);
  background-size:72px 72px;
  -webkit-mask-image:radial-gradient(70% 70% at 50% 40%, #000 20%, transparent 75%);
          mask-image:radial-gradient(70% 70% at 50% 40%, #000 20%, transparent 75%);
}
.hero-grid{ display:block; }
.hero-copy{ max-width:980px; margin-inline:auto; text-align:center; }

.hero-pill{
  display:inline-flex; align-items:center; gap:10px;
  font-size:14px; font-weight:600; color:var(--on-dark);
  background:rgba(255,255,255,.04); border:1px solid var(--line-dark);
  padding:9px 16px 9px 12px; border-radius:999px;
}
.hero-pill-dot{ flex:none; width:8px; height:8px; border-radius:50%; background:var(--gold); box-shadow:0 0 0 4px rgba(210,173,79,.18); }
.hero h1{ font-size:clamp(42px,7vw,96px); line-height:1; letter-spacing:-.045em; margin-top:28px; color:#fff; }
.hero-it{
  font-family:"Figtree",var(--font); font-style:italic; font-weight:800;
  letter-spacing:-.035em; padding-right:.08em;
}
.hero-lead{ margin:28px auto 0; font-size:clamp(17px,1.6vw,20px); color:var(--on-dark-muted); max-width:56ch; }
.hero-cta{ display:flex; flex-wrap:wrap; justify-content:center; gap:14px; margin-top:40px; }

.ring{ fill:none; stroke:var(--gold); stroke-linecap:round; transform-origin:300px 300px; }
.ring--out{ stroke-width:7; stroke-dasharray:268 32; opacity:.9; animation:spin 90s linear infinite; }
.ring--in{ stroke-width:2.5; stroke-dasharray:190 22; opacity:.5; animation:spin 120s linear infinite reverse; }
@keyframes spin{ to{ transform:rotate(360deg); } }
.rings{ position:absolute; overflow:visible; }

.hero-stats{
  display:grid; grid-template-columns:repeat(4,1fr); text-align:center;
  margin-top:clamp(56px,7vw,96px);
  border-top:1px solid var(--line-dark);
}
.hero-stats div{ display:flex; flex-direction:column-reverse; padding:28px 0 36px; }
.hero-stats div + div{ border-left:1px solid var(--line-dark); }
.hero-stats dd{ font-size:clamp(34px,3.8vw,50px); font-weight:800; letter-spacing:-.04em; line-height:1;  font-variant-numeric:tabular-nums; }
.hero-stats dt{ margin-top:8px; font-size:15px; color:var(--on-dark-muted); font-weight:500; }

.gold-text{
  background:var(--gold-grad);
  -webkit-background-clip:text; background-clip:text; color:transparent;
}

/* ---------- Necessidades ---------- */
.needs{ display:grid; grid-template-columns:7fr 5fr; gap:22px; }
.need{
  background:var(--card); border:1px solid var(--line); border-radius:var(--radius);
  overflow:hidden; display:grid;
}
.need--credit{ grid-template-columns:1.15fr .85fr; }
.need--family{ grid-template-rows:300px auto; }
.need--assets{ grid-column:1/-1; background:radial-gradient(60% 120% at 0% 0%, rgba(210,173,79,.14), transparent 60%), var(--card); color:var(--on-dark); grid-template-columns:minmax(240px,.5fr) 1.5fr; align-items:center; }
.need-body{ padding:clamp(26px,3vw,38px); }
.need-img{ position:relative; overflow:hidden; }
.need-img img{
  width:100%; height:100%; object-fit:cover;
  /* tratamento de cor: tons mais quentes e contidos, para conversar com o preto e dourado */
  filter:saturate(.8) sepia(.14) brightness(.9) contrast(1.06);
}
.need-img::after{ content:""; position:absolute; inset:0; pointer-events:none; }
.need--credit .need-img img{ object-position:34% 50%; }
.need--credit .need-img::after{ background:linear-gradient(90deg, var(--card) 0%, rgba(26,24,19,0) 22%), linear-gradient(0deg, rgba(15,14,11,.35), transparent 35%); }
.need--family .need-img img{ object-position:50% 60%; }
.need--family .need-img::after{ background:linear-gradient(0deg, var(--card) 0%, rgba(26,24,19,0) 30%); }
.need-tag{
  display:inline-flex; align-items:center; gap:8px;
  font-size:13px; font-weight:700; letter-spacing:.16em; text-transform:uppercase; color:var(--gold-deep);
}
.need--assets .need-tag{ color:var(--gold); }
.need-tag .ic{ width:18px; height:18px; }
.need h3{ font-size:clamp(24px,2.3vw,30px); margin:12px 0 18px; }
.need--assets h3{ margin-bottom:0; color:#fff; }
.need-list a{
  display:flex; align-items:center; flex-wrap:wrap; gap:0 10px;
  padding:14px 0; border-top:1px solid var(--line);
  text-decoration:none; font-weight:700; font-size:17.5px;
  transition:color .2s;
}
.need-list a small{ font-weight:500; font-size:14.5px; color:var(--muted); flex-basis:100%; order:3; }
.need-list a > .ic:last-child{ margin-left:auto; width:18px; height:18px; color:var(--gold-deep); transition:transform .25s var(--ease); }
.need-list a:hover{ color:var(--gold-deep); }
.need-list a:hover > .ic:last-child{ transform:translateX(4px); }

.need-list--row{ display:grid; grid-template-columns:repeat(2,1fr); gap:12px; padding:clamp(20px,2.4vw,30px); }
.need-list--row a{
  border:1px solid var(--line-dark); border-radius:var(--radius-sm);
  padding:18px; gap:14px; flex-wrap:nowrap; align-items:flex-start; height:100%;
}
.need-list--row a span{ display:flex; flex-direction:column; }
.need-list--row a small{ color:var(--on-dark-muted); margin-top:2px; flex-basis:auto; }
.need-list--row .ic--lg{ width:28px; height:28px; color:var(--gold); }
.need-list--row a > .ic:last-child{ color:var(--gold); align-self:center; }
.need-list--row a:hover{ color:var(--gold-2); border-color:var(--gold); }

/* ---------- Crédito ---------- */
.credit{ background:var(--cream); border-block:1px solid var(--line); }
.credit-grid{ display:grid; grid-template-columns:1.05fr .95fr; gap:clamp(40px,5vw,80px); align-items:start; }
.credit-copy h2{ margin-top:12px; }
.who{ margin-top:30px; display:grid; gap:14px; }
.who li{ display:flex; gap:12px; align-items:flex-start; font-size:17.5px; }
.who .ic{ width:26px; height:26px; padding:5px; margin-top:1px; border-radius:50%; background:rgba(210,173,79,.14); color:var(--gold); }

.ask{
  background:var(--card); border:1px solid rgba(210,173,79,.28); border-radius:var(--radius);
  padding:clamp(24px,3vw,36px); box-shadow:var(--shadow);
  position:sticky; top:100px;
}
.ask-title{ font-size:24px; font-weight:800; letter-spacing:-.02em; }
.ask-sub{ color:var(--muted); font-size:15.5px; margin-top:4px; }
.ask fieldset{ border:0; margin-top:24px; }
.ask legend, .field label{ font-weight:700; font-size:15.5px; margin-bottom:10px; display:block; }
.chips{ display:flex; flex-wrap:wrap; gap:8px; }
.chips label{ position:relative; cursor:pointer; }
.chips input{ position:absolute; opacity:0; inset:0; margin:0; cursor:pointer; }
.chips span{
  display:inline-block; padding:10px 16px; border-radius:999px;
  border:1.5px solid var(--line); background:var(--card-2); color:var(--text); font-size:15.5px; font-weight:600;
  transition:background-color .2s, border-color .2s, color .2s;
}
.chips label:hover span{ border-color:var(--gold); }
.chips input:checked + span{ background:var(--gold-grad); border-color:transparent; color:var(--ink); }
.chips input:focus-visible + span{ outline:3px solid var(--gold); outline-offset:2px; }
.field{ margin:24px 0; }
.field input{
  width:100%; padding:14px 16px; border-radius:var(--radius-sm);
  border:1.5px solid var(--line); background:var(--card-2); font-size:17px; color:var(--text);
}
.field input:focus{ outline:none; border-color:var(--gold); box-shadow:0 0 0 4px rgba(210,173,79,.22); }
.ask-note{ display:flex; gap:8px; align-items:flex-start; margin-top:14px; font-size:13.5px; color:var(--muted); line-height:1.45; }
.ask-note .ic{ width:16px; height:16px; margin-top:2px; flex:none; }
.ask-note a, .foot-legal a{ color:var(--gold-2); }

/* ---------- Como funciona ---------- */
.how-grid{ display:grid; grid-template-columns:1.1fr .9fr; gap:clamp(40px,6vw,96px); align-items:center; }
.steps{ display:grid; gap:4px; counter-reset:s; }
.steps li{ display:flex; gap:20px; padding:18px 0; position:relative; }
.steps li:not(:last-child)::after{
  content:""; position:absolute; left:23px; top:70px; bottom:-6px; width:2px;
  background:linear-gradient(var(--gold),rgba(210,173,79,.1));
}
.step-n{
  flex:none; width:48px; height:48px; border-radius:50%;
  display:grid; place-items:center; font-weight:800; font-size:19px;
  background:rgba(210,173,79,.12); color:var(--gold); border:1px solid rgba(210,173,79,.4);
}
.steps h3{ font-size:21px; letter-spacing:-.015em; }
.steps p{ color:var(--muted); margin-top:4px; }

.phone-wrap{ margin:0; width:100%; max-width:380px; justify-self:center; display:grid; gap:14px; }
.phone-cap{ text-align:center; font-size:13.5px; color:var(--muted); }
.phone{
  background:#080705; border:1px solid var(--line); border-radius:40px; padding:12px;
  box-shadow:0 40px 80px -30px rgba(38,30,10,.55);
}
.phone-top{ display:flex; align-items:center; gap:12px; padding:12px 14px 14px; color:var(--on-dark); }
.phone-top img{ width:38px; height:38px; border-radius:50%; }
.phone-top b{ display:block; font-size:15px; }
.phone-top small{ font-size:12.5px; color:#6fd39b; }
.chat{
  background:#17150f; border-radius:30px; padding:20px 14px 24px;
  display:flex; flex-direction:column; gap:10px; min-height:440px;
}
.msg{
  max-width:84%; padding:10px 14px; border-radius:16px; font-size:15px; line-height:1.45;
  box-shadow:0 1px 1px rgba(0,0,0,.08);
}
.msg--me{ align-self:flex-end; background:#1f4a33; color:#eef7f0; border-bottom-right-radius:4px; }
.msg--mkf{ align-self:flex-start; background:#26231b; color:var(--text); border-bottom-left-radius:4px; }
.msg--card{ border-left:4px solid var(--gold); display:flex; flex-direction:column; }
.msg--card span{ font-size:13.5px; color:var(--muted); }

/* ---------- Segurança ---------- */
.safe{ background:radial-gradient(50% 80% at 100% 0%, rgba(210,173,79,.12), transparent 70%), var(--cream); color:var(--on-dark); position:relative; overflow:hidden; border-block:1px solid var(--line); }
.safe-head{ display:flex; gap:clamp(20px,3vw,36px); align-items:flex-start; max-width:900px; margin-bottom:clamp(40px,5vw,60px); }
.safe-mark{ flex:none; width:clamp(56px,6vw,80px); height:clamp(56px,6vw,80px); color:var(--gold); }
.safe h2{ color:#fff; margin-top:12px; }
.safe-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }
.safe-card{
  background:var(--card); border:1px solid var(--line-dark); border-radius:var(--radius);
  padding:28px 24px;
}
.safe-card .ic{ color:var(--gold); }
.safe-card h3{ font-size:20px; color:#fff; margin:18px 0 8px; letter-spacing:-.015em; }
.safe-card p{ color:var(--on-dark-muted); font-size:16px; }
.safe-card b{ color:var(--gold-2); font-weight:700; }

/* ---------- Sobre ---------- */
.about{ background:var(--cream); }
.about-grid{ display:grid; grid-template-columns:.8fr 1.2fr; gap:clamp(40px,6vw,96px); align-items:center; }
.about-logo{ position:relative; max-width:400px; width:100%; justify-self:center; }
.about-logo img{ width:100%; border-radius:50%; box-shadow:0 0 0 1px rgba(210,173,79,.25), 0 0 90px -10px rgba(210,173,79,.25); }
.about-copy h2{ margin:12px 0 22px; }
.about-copy > p:not(.eyebrow){ color:var(--muted); margin-top:14px; max-width:60ch; }
.creds{ display:grid; grid-template-columns:repeat(3,auto); justify-content:start; gap:18px 36px; margin-top:34px; }
.creds div{ border-top:2px solid var(--gold); padding-top:12px; }
.creds dt{ font-size:12.5px; font-weight:700; letter-spacing:.16em; text-transform:uppercase; color:var(--gold-deep); }
.creds dd{ font-weight:700; font-size:16px; margin-top:4px; }

/* ---------- Dúvidas ---------- */
.faq-grid{ display:grid; grid-template-columns:.85fr 1.15fr; gap:clamp(40px,6vw,96px); align-items:start; }
.faq-grid .sec-head{ margin-bottom:0; position:sticky; top:110px; }
.faq-list details{ border-bottom:1px solid var(--line); }
.faq-list details:first-child{ border-top:1px solid var(--line); }
.faq-list summary{
  list-style:none; cursor:pointer; padding:22px 44px 22px 0; position:relative;
  font-weight:700; font-size:clamp(17px,1.6vw,19.5px); letter-spacing:-.01em;
}
.faq-list summary::-webkit-details-marker{ display:none; }
.faq-list summary::after{
  content:""; position:absolute; right:4px; top:50%; width:26px; height:26px; margin-top:-13px;
  border-radius:50%; background:var(--card-2);
  background-image:linear-gradient(var(--gold),var(--gold)),linear-gradient(var(--gold),var(--gold));
  background-size:12px 2px,2px 12px; background-position:center; background-repeat:no-repeat;
  transition:transform .3s var(--ease), background-color .3s;
}
.faq-list details[open] summary::after{ transform:rotate(45deg); background-color:rgba(210,173,79,.22); }
.faq-list details p{ color:var(--muted); padding:0 44px 24px 0; }

/* ---------- CTA final ---------- */
.final{ background:var(--ink); color:var(--on-dark); overflow:hidden; border-top:1px solid var(--line); }
.final-inner{ position:relative; text-align:center; padding-block:clamp(90px,12vw,150px); }
.rings--final{ width:min(860px,150vw); height:auto; inset:50% auto auto 50%; transform:translate(-50%,-50%); opacity:.2; pointer-events:none; }
.final h2{ position:relative; color:#fff; font-size:clamp(32px,4.4vw,56px); max-width:16ch; margin-inline:auto; }
.final p{ position:relative; color:var(--on-dark-muted); margin:18px auto 34px; max-width:46ch; }
.final .btn{ position:relative; }

/* ---------- Rodapé ---------- */
.footer{ background:#0a0907; color:var(--on-dark-muted); padding-top:72px; font-size:15.5px; }
.foot-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:40px; padding-bottom:48px; }
.foot-brand img{ width:88px; height:88px; border-radius:50%; }
.foot-brand p{ margin-top:18px; max-width:32ch; }
.foot-social{ display:flex; gap:10px; margin-top:20px; }
.foot-social a{ width:42px; height:42px; border-radius:50%; display:grid; place-items:center; border:1px solid var(--line-dark); color:var(--gold); transition:background-color .2s,color .2s; }
.foot-social a:hover{ background:var(--gold); color:var(--ink); }
.foot-col h3{ font-size:13px; letter-spacing:.18em; text-transform:uppercase; color:var(--gold); margin-bottom:16px; }
.foot-col li + li{ margin-top:10px; }
.foot-col a{ text-decoration:none; transition:color .2s; }
.foot-col a:hover{ color:#fff; }
.foot-legal{ border-top:1px solid rgba(255,255,255,.08); padding-block:28px 96px; font-size:13.5px; line-height:1.6; color:#8a8272; }
.foot-legal p + p{ margin-top:8px; }
.foot-legal p:first-child{ color:var(--on-dark-muted); font-weight:600; }

/* ---------- Páginas de serviço ---------- */
.page-hero{
  position:relative; overflow:hidden; isolation:isolate;
  background:var(--ink); color:var(--on-dark);
  padding:calc(76px + clamp(28px,4vw,56px)) 0 0;
}
.crumbs{ display:flex; flex-wrap:wrap; gap:8px; font-size:14px; color:var(--on-dark-muted); }
.crumbs a{ text-decoration:none; transition:color .2s; }
.crumbs a:hover{ color:var(--gold-2); }
.crumbs [aria-current]{ color:var(--on-dark); font-weight:600; }
.page-cat{
  display:flex; align-items:center; gap:8px; margin-top:clamp(28px,4vw,48px);
  font-size:13px; font-weight:700; letter-spacing:.2em; text-transform:uppercase; color:var(--gold);
}
.page-cat .ic{ width:18px; height:18px; }
.page-hero h1{ font-size:clamp(38px,5.6vw,76px); line-height:1.02; letter-spacing:-.045em; margin-top:16px; color:#fff; max-width:15ch; }
.page-hero .hero-lead{ margin:24px 0 0; font-size:clamp(17px,1.5vw,19.5px); color:var(--on-dark-muted); max-width:60ch; }
.page-cred{ display:inline-flex; align-items:center; gap:8px; margin-top:18px; font-size:14.5px; font-weight:600; color:var(--gold-2); }
.page-cred .ic{ width:17px; height:17px; }
.page-hero .hero-cta{ justify-content:flex-start; margin-top:36px; }
.page-facts{
  display:grid; grid-template-columns:repeat(3,1fr);
  margin-top:clamp(52px,6vw,88px); border-top:1px solid var(--line-dark);
}
.page-facts div{ padding:28px 24px 36px 0; }
.page-facts div + div{ padding-left:clamp(20px,3vw,40px); border-left:1px solid var(--line-dark); }
.page-facts dt{ font-size:clamp(22px,2.2vw,28px); font-weight:800; letter-spacing:-.03em; line-height:1.15; }
.page-facts dd{ margin-top:6px; font-size:15px; color:var(--on-dark-muted); }

.who-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:18px; }
.who-card{ background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:clamp(24px,2.6vw,32px); }
.who-card .ic{ width:34px; height:34px; padding:8px; border-radius:50%; background:rgba(210,173,79,.14); color:var(--gold); }
.who-card h3{ font-size:21px; letter-spacing:-.02em; margin:18px 0 6px; }
.who-card p{ color:var(--muted); font-size:16.5px; }

.flow-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }
.flow-grid li{ background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:clamp(24px,2.4vw,30px); }
.flow-grid h3{ font-size:19px; letter-spacing:-.015em; margin:18px 0 6px; }
.flow-grid p{ color:var(--muted); font-size:16px; }

.care-grid{ display:grid; grid-template-columns:1.25fr .75fr; gap:22px; align-items:stretch; }
.care, .docs{ border-radius:var(--radius); padding:clamp(28px,3.6vw,48px); }
.care h2, .docs h2{ font-size:clamp(26px,2.8vw,36px); margin:12px 0 26px; }
.care{ background:radial-gradient(70% 90% at 0% 0%, rgba(210,173,79,.14), transparent 65%), var(--card-2); color:var(--on-dark); border:1px solid rgba(210,173,79,.28); }
.care h2{ color:#fff; }
.care li{ display:flex; gap:14px; align-items:flex-start; padding:16px 0; border-top:1px solid var(--line-dark); color:var(--on-dark); }
.care li .ic{ width:22px; height:22px; color:var(--gold); margin-top:2px; }
.docs{ background:var(--card); border:1px solid var(--line); }
.docs li{ display:flex; gap:12px; align-items:flex-start; padding:10px 0; font-weight:600; font-size:16.5px; }
.docs li .ic{ width:20px; height:20px; color:var(--gold-deep); margin-top:3px; }
.docs-note{ margin-top:18px; font-size:14px; color:var(--muted); }
.care-note{ margin-top:20px; padding-top:16px; border-top:1px solid var(--line-dark); font-size:14px; color:var(--on-dark-muted); }

.priv-title{ max-width:none; margin-top:clamp(28px,4vw,48px); }
.priv{ max-width:760px; display:grid; gap:36px; }
.priv-block{ display:grid; gap:12px; }
.priv-block h2{ font-size:clamp(22px,2.4vw,28px); }
.priv-block p{ color:var(--muted); }

.faq .faq-grid .sec-head{ margin-bottom:0; }
.related{ background:var(--cream); border-top:1px solid var(--line); }
.rel-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:18px; }
.rel-card{
  position:relative; display:flex; flex-direction:column; gap:10px;
  background:var(--card); border:1px solid var(--line); border-radius:var(--radius);
  padding:26px 60px 26px 26px; text-decoration:none;
  transition:border-color .25s, transform .25s var(--ease);
}
.rel-card:hover{ border-color:var(--gold); transform:translateY(-3px); }
.rel-cat{ display:flex; align-items:center; gap:8px; font-size:12.5px; font-weight:700; letter-spacing:.16em; text-transform:uppercase; color:var(--gold-deep); }
.rel-cat .ic{ width:16px; height:16px; }
.rel-card b{ font-size:21px; letter-spacing:-.02em; }
.rel-arrow{ position:absolute; right:24px; top:50%; margin-top:-10px; color:var(--gold-deep); transition:transform .25s var(--ease); }
.rel-card:hover .rel-arrow{ transform:translateX(4px); }

/* ---------- WhatsApp flutuante ---------- */
.wa-float{
  position:fixed; right:20px; bottom:20px; z-index:40;
  width:60px; height:60px; border-radius:50%;
  display:grid; place-items:center; background:var(--wa); color:#fff;
  box-shadow:0 16px 34px -10px rgba(31,143,78,.75);
  transition:transform .25s var(--ease), background-color .25s;
}
.wa-float .ic{ width:30px; height:30px; }
.wa-float:hover{ transform:scale(1.07); background:var(--wa-hover); }

/* ---------- Revelação ao rolar (só com JS) ---------- */
.js .reveal{ opacity:0; transform:translateY(24px); transition:opacity .8s var(--ease), transform .8s var(--ease); }
.js .reveal.in{ opacity:1; transform:none; }
.js .reveal[data-d="1"]{ transition-delay:.08s; }
.js .reveal[data-d="2"]{ transition-delay:.16s; }
.js .reveal[data-d="3"]{ transition-delay:.24s; }
.js .reveal[data-d="4"]{ transition-delay:.32s; }

.js .phone-wrap .msg{ opacity:0; transform:translateY(10px) scale(.98); transition:opacity .5s var(--ease), transform .5s var(--ease); }
.js .phone-wrap.in .msg{ opacity:1; transform:none; }
.js .phone-wrap.in .msg:nth-child(2){ transition-delay:.5s; }
.js .phone-wrap.in .msg:nth-child(3){ transition-delay:1s; }
.js .phone-wrap.in .msg:nth-child(4){ transition-delay:1.5s; }
.js .phone-wrap.in .msg:nth-child(5){ transition-delay:2s; }

@media (prefers-reduced-motion:reduce){
  html{ scroll-behavior:auto; }
  .ring{ animation:none; }
  .js .reveal, .js .phone-wrap .msg{ opacity:1; transform:none; transition:none; }
  .btn:hover, .wa-float:hover, .rel-card:hover{ transform:none; }
}

/* ---------- Responsivo ---------- */
@media (max-width:1180px){
  .need--assets{ grid-template-columns:1fr; }
  .need--assets .need-body{ padding-bottom:0; }
}

@media (max-width:1080px){
  .nav-links{ gap:22px; }
  .safe-grid{ grid-template-columns:repeat(2,1fr); }
  .flow-grid{ grid-template-columns:repeat(2,1fr); }
}

@media (max-width:980px){
  .nav-links{ display:none; }
  .burger{ display:block; }
  .drawer{
    display:grid; gap:4px; padding:8px var(--gutter) 20px;
    background:rgba(15,14,11,.98); border-bottom:1px solid var(--line-dark);
  }
  .drawer[hidden]{ display:none; }
  .drawer a{ color:var(--on-dark); text-decoration:none; font-weight:700; font-size:20px; padding:12px 0; border-bottom:1px solid rgba(255,255,255,.06); }

  .needs{ grid-template-columns:1fr; }
  .need--family{ grid-template-rows:280px auto; }
  .need--assets{ grid-template-columns:1fr; }
  .need--assets .need-body{ padding-bottom:0; }
  .credit-grid, .how-grid, .about-grid, .faq-grid{ grid-template-columns:1fr; }
  .ask, .faq-grid .sec-head{ position:static; }
  .about-logo{ max-width:260px; }
  .foot-grid{ grid-template-columns:1fr 1fr; }
  .foot-brand{ grid-column:1/-1; }
  .who-grid, .care-grid{ grid-template-columns:1fr; }
  .rel-grid{ grid-template-columns:1fr 1fr; }
}

@media (max-width:680px){
  body{ font-size:17px; }
  .hero-stats{ grid-template-columns:1fr 1fr; }
  .hero-stats div:nth-child(3){ border-left:0; }
  .hero-stats div:nth-child(n+3){ border-top:1px solid var(--line-dark); }
  .hero-stats div{ padding:22px 0 24px; }
  .need--credit{ grid-template-columns:1fr; }
  .need--credit .need-img{ order:-1; height:240px; }
  .need--credit .need-img img{ object-position:40% 30%; }
  .need--credit .need-img::after{ background:linear-gradient(0deg, var(--card) 0%, rgba(26,24,19,0) 30%); }
  .need-list--row{ grid-template-columns:1fr; }
  .safe-grid{ grid-template-columns:1fr; }
  .safe-head{ flex-direction:column; gap:14px; }
  .creds{ grid-template-columns:1fr; }
  .sec-head{ margin-bottom:32px; }
  .who-card, .flow-grid li, .safe-card, .care, .docs, .rel-card{ padding:20px; }
  .rel-card{ padding-right:52px; }
  .who-card h3, .flow-grid h3{ margin:12px 0 4px; }
  .safe-card h3{ margin:12px 0 6px; }
  .care h2, .docs h2{ margin:10px 0 16px; }
  .need-body{ padding:22px; }
  .footer{ padding-top:52px; }
  .foot-grid{ gap:28px 20px; }
  .final-inner{ padding-block:72px; }
  .flow-grid, .rel-grid, .page-facts{ grid-template-columns:1fr; }
  .page-facts div, .page-facts div + div{ padding:20px 0; border-left:0; }
  .page-facts div + div{ border-top:1px solid var(--line-dark); }
  .page-hero .hero-cta .btn{ width:100%; }
  .hero-cta .btn{ width:100%; }
  .hero-pill{ font-size:13px; }

}

@media (max-width:420px){
  .nav{ gap:12px; }
  .nav-cta span{ display:none; }
  .nav-cta{ padding:11px; }
  .brand-txt small{ letter-spacing:.12em; }
}