*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }    :root {      --navy:        #1F2421;      --navy-dark:   #15171A;      --navy-light:  #3A3F45;      --gold:        #C9A43A;      --gold-dark:   #A8882E;      --gold-light:  #F5CC6A;      --gold-bg:     #FDF8EE;      --bg:          #FFFFFF;      --white:       #FFFFFF;      --text:        #1A1A1A;      --text-muted:  #6B7280;      --border:      #E6E8EC;      --border-dark: #D9Cab4;      --success:     #059669;      --warning:     #D97706;      --error:       #DC2626;      --r-sm: 8px;      --r-md: 12px;      --r-lg: 18px;      --r-xl: 24px;    }    html { scroll-behavior: smooth; }    body {      font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;      background: var(--bg);      color: var(--text);      line-height: 1.6;      overflow-x: hidden;    }    /* HEADER  */    .topbar { position: fixed; top: 0; left: 0; right: 0; z-index: 101; background: #000000; color: #fff; height: 38px; display: flex; align-items: center; justify-content: center; padding: 0 24px; font-size: 13px; font-weight: 700; }.topbar-inner { width: 100%; max-width: 1200px; display: flex; align-items: center; justify-content: space-between; }.topbar-left { display: flex; align-items: center; gap: 12px; }.topbar-phone, .topbar-email { color: #fff; text-decoration: none; transition: color .2s; }.topbar-phone b { font-weight: 700; }.topbar-phone:hover, .topbar-email:hover { color: var(--gold-light); }.topbar-sep { color: rgba(255,255,255,.35); }.topbar-right { color: rgba(255,255,255,.9); font-size: 12.5px; font-weight: 700; }@media (max-width: 680px) { .topbar { font-size: 11.5px; padding: 0 14px; } .topbar-email, .topbar-sep { display: none; } .topbar-right { font-size: 10.5px; } }    .header {      position: fixed; top: 38px; left: 0; right: 0; z-index: 100;      background: var(--white);      border-bottom: 1px solid var(--border);      padding: 0 32px;      height: 68px;      display: flex; align-items: center; justify-content: space-between;      box-shadow: 0 1px 8px rgba(0,0,0,.06);    }    .header-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }    .header-logo img { height: 46px; width: auto; }    .header-nav { display: flex; align-items: center; gap: 28px; }    .header-nav a {      font-size: 14px; font-weight: 500; color: var(--text-muted);      text-decoration: none; transition: color .2s;    }    .header-nav a:hover { color: var(--navy); }    .header-actions { display: flex; align-items: center; gap: 12px; }    .header-phone {      font-size: 14px; font-weight: 600; color: var(--navy);      text-decoration: none; display: flex; align-items: center; gap: 6px;    }    .btn-cta-header {      display: inline-flex; align-items: center; gap: 7px;      background: var(--navy); color: var(--white);      padding: 10px 20px; border-radius: 50px;      font-size: 14px; font-weight: 700; text-decoration: none;      transition: background .2s, transform .15s;    }    .btn-cta-header:hover { background: var(--navy-dark); transform: translateY(-1px); }    /* HERO */    .hero {           background:        linear-gradient(100deg, rgba(38,26,18,.86) 0%, rgba(45,30,20,.55) 38%, rgba(45,30,20,.18) 62%, rgba(0,0,0,.05) 100%),        url('../img/hero-bg.jpg') center/cover no-repeat;      padding: 130px 0 56px; box-sizing: border-box; min-height: calc(100vh - 38px); display: flex; align-items: center; /* topbar (38) + header (68) */      position: relative;      scroll-margin-top: 0;    }    .hero-inner {      max-width: 1200px; margin: 0 auto;      display: grid; grid-template-columns: 1fr 470px; width: 100%;      gap: 56px; padding: 56px 40px 64px;      align-items: start; position: relative;    }    .hero-text { padding-top: 12px; }    .hero-badge {      display: inline-flex; align-items: center; gap: 8px;      background: rgba(201,164,58,.18); border: 1px solid rgba(201,164,58,.35);      color: var(--gold-light); font-size: 12px; font-weight: 700;      padding: 5px 14px; border-radius: 50px; margin-bottom: 22px;      letter-spacing: .3px;    }    .hero-badge-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold-light); animation: blink 2s infinite; }    @keyframes blink { 0%,100%{opacity:1} 50%{opacity:.3} }    .hero h1 {      font-family: 'Fraunces', Georgia, serif; font-size: clamp(30px, 3.8vw, 52px);      font-weight: 600; line-height: 1.12; letter-spacing: -.5px;      color: var(--white); margin-bottom: 18px;    }    .hero h1 .accent { color: var(--gold-light); }    .hero-sub { font-size: 16px; color: rgba(255,255,255,.70); max-width: 420px; margin-bottom: 32px; line-height: 1.7; }    .hero-stats { display: flex; gap: 28px; flex-wrap: wrap; margin-bottom: 32px; }    .hero-stat-n { font-size: 26px; font-weight: 900; color: var(--gold-light); line-height: 1; }    .hero-stat-l { font-size: 12px; color: rgba(255,255,255,.55); margin-top: 2px; }    .hero-trust { display: flex; flex-direction: column; gap: 10px; margin-top: 8px; }    .hero-trust-item { display: flex; align-items: center; gap: 9px; font-size: 13px; color: rgba(255,255,255,.60); font-weight: 500; }    .hero-trust-icon { width: 18px; height: 18px; background: rgba(201,164,58,.25); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 10px; flex-shrink: 0; }    /* Hero form column */    .hero-form-col { position: relative; }    .hero-free-badge {      text-align: center; margin-bottom: 12px;      font-size: 13px; color: rgba(255,255,255,.75); font-weight: 500;    }    .hero-free-badge strong { color: var(--gold-light); font-weight: 800; }    /* Trust bar (kept below hero) */    .trust-bar { background: var(--white); border-bottom: 1px solid var(--border); padding: 14px 32px; }    .trust-bar-inner { max-width: 1060px; margin: 0 auto; display: flex; align-items: center; justify-content: center; gap: 36px; flex-wrap: wrap; }    .trust-item { display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--text-muted); }    .trust-icon { font-size: 15px; }    /* SIMULATOR (inside hero) */    .sim-wrapper { width: 100%; }    /* Progress */    .prog-row { display: flex; align-items: center; margin-bottom: 12px; }    .prog-step {      display: flex; align-items: center; gap: 8px;      font-size: 13px; font-weight: 500; color: var(--border-dark);      transition: color .3s;    }    .prog-step.active { color: var(--navy); }    .prog-step.done   { color: var(--success); }    .prog-dot {      width: 28px; height: 28px; border-radius: 50%;      border: 2px solid currentColor;      display: flex; align-items: center; justify-content: center;      font-size: 12px; font-weight: 700; flex-shrink: 0; transition: all .3s;    }    .prog-step.active .prog-dot { background: var(--navy); border-color: var(--navy); color: #fff; }    .prog-step.done   .prog-dot { background: var(--success); border-color: var(--success); color: #fff; }    .prog-label { white-space: nowrap; }    .prog-line { flex: 1; height: 2px; background: var(--border); margin: 0 8px; overflow: hidden; border-radius: 2px; }    .prog-line-fill { height: 100%; width: 0%; background: var(--navy); transition: width .5s ease; }    .prog-track { height: 5px; background: var(--border); border-radius: 5px; margin-bottom: 24px; overflow: hidden; }    .prog-fill { height: 100%; background: linear-gradient(90deg, var(--navy), var(--navy-light)); border-radius: 5px; transition: width .5s cubic-bezier(.4,0,.2,1); }    /* Card */    .sim-card {      background: var(--white);      border-radius: var(--r-xl);      padding: 26px 30px;      border: 1px solid var(--border);      box-shadow: 0 30px 80px rgba(0,0,0,.42), 0 10px 30px rgba(0,0,0,.20);      position: relative; overflow: hidden;    }    .sim-card::before {      content: '';      position: absolute; top: 0; left: 0; right: 0; height: 4px;      background: linear-gradient(90deg, var(--navy-dark), var(--navy), var(--gold));    }    .step { display: none; animation: fadeUp .35s ease; }    .step.active { display: block; }    @keyframes fadeUp { from{opacity:0;transform:translateY(12px)} to{opacity:1;transform:translateY(0)} }    .step-title { font-size: 20px; font-weight: 800; color: var(--navy); letter-spacing: -.3px; margin-bottom: 2px; }    .step-sub { font-size: 14px; color: var(--text-muted); margin-bottom: 12px; }    /* Form */    .form-grid  { display: grid; gap: 12px; }    .form-grid2 { grid-template-columns: 1fr 1fr; }    .form-group { display: flex; flex-direction: column; gap: 6px; }    .form-label { font-size: 11px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: .6px; }    .form-ctrl {      border: 1.5px solid var(--border); border-radius: var(--r-sm);      padding: 12px 14px; font-size: 15px; font-family: inherit;      color: var(--text); background: var(--white);      transition: border-color .2s, box-shadow .2s; outline: none; width: 100%;    }    .form-ctrl:focus { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(74,59,46,.10); }    .form-ctrl.err  { border-color: var(--error); box-shadow: 0 0 0 3px rgba(220,38,38,.08); }    .form-err { font-size: 12px; color: var(--error); display: none; }    .form-err.show { display: block; }    .inp-wrap { position: relative; }    .inp-prefix { position: absolute; left: 13px; top: 50%; transform: translateY(-50%); font-size: 15px; font-weight: 700; color: var(--text-muted); pointer-events: none; }    .inp-wrap .form-ctrl { padding-left: 28px; }    .inp-suffix { position: absolute; right: 12px; top: 50%; transform: translateY(-50%); font-size: 13px; font-weight: 600; color: var(--text); pointer-events: none; }    .inp-wrap .form-ctrl.has-suf { padding-right: 50px; }    /* Range */    .slider-wrap { display: flex; flex-direction: column; gap: 5px; margin-top: 4px; }    .slider-ends { display: flex; justify-content: space-between; font-size: 11px; color: var(--text-muted); }    input[type="range"] {      -webkit-appearance: none; appearance: none;      width: 100%; height: 5px; border-radius: 5px;      background: var(--border); outline: none; cursor: pointer;    }    input[type="range"]::-webkit-slider-thumb {      -webkit-appearance: none; width: 21px; height: 21px; border-radius: 50%;      background: var(--navy); border: 3px solid #fff;      box-shadow: 0 1px 6px rgba(74,59,46,.3); cursor: pointer; transition: transform .15s;    }    input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }    input[type="range"]::-moz-range-thumb {      width: 21px; height: 21px; border-radius: 50%;      background: var(--navy); border: 3px solid #fff;      box-shadow: 0 1px 6px rgba(74,59,46,.3); cursor: pointer;    }    /* Toggle */    .toggle-grp { display: flex; border: 1.5px solid var(--border); border-radius: var(--r-sm); overflow: hidden; }    .toggle-btn {      flex: 1; padding: 11px 8px; border: none; background: var(--white);      font-size: 14px; font-weight: 500; color: var(--text-muted);      font-family: inherit; cursor: pointer; transition: all .2s;      border-right: 1px solid var(--border);    }    .toggle-btn:last-child { border-right: none; }    .toggle-btn.on { background: var(--navy); color: var(--white); font-weight: 700; }    /* Radio cards */    .radio-cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; }    .rc input { display: none; }    .rc-label {      display: flex; flex-direction: column; align-items: center; gap: 7px;      padding: 14px 8px; border: 1.5px solid var(--border); border-radius: var(--r-md);      cursor: pointer; transition: all .2s; text-align: center; background: var(--white);    }    .rc-label:hover { border-color: var(--navy-light); background: #FCF4E6; }    .rc input:checked + .rc-label { border-color: var(--navy); background: #FBF1DF; }    .rc-icon { font-size: 22px; }    .rc-text { font-size: 12px; font-weight: 600; color: var(--text); line-height: 1.3; }    /* LTV */    .ltv-box {      display: flex; align-items: center; gap: 14px;      padding: 13px 16px; background: var(--bg);      border: 1px solid var(--border); border-radius: var(--r-sm);    }    .ltv-pct { font-size: 20px; font-weight: 800; min-width: 52px; }    .ltv-pct.ok   { color: var(--success); }    .ltv-pct.warn { color: var(--warning); }    .ltv-pct.bad  { color: var(--error); }    .ltv-right { flex: 1; }    .ltv-msg { font-size: 12px; color: var(--text-muted); margin-bottom: 5px; font-weight: 500; }    .ltv-bar { height: 5px; background: var(--border); border-radius: 5px; overflow: hidden; }    .ltv-fill { height: 100%; background: var(--success); border-radius: 5px; transition: width .3s, background .3s; }    .ltv-fill.warn { background: var(--warning); }    .ltv-fill.bad  { background: var(--error); }    .ltv-max { font-size: 12px; color: var(--text-muted); font-weight: 600; white-space: nowrap; }    /* Garantia Jovem */    .jovem-card {      display: flex; align-items: center; gap: 12px;      padding: 13px 15px; cursor: pointer;      background: var(--gold-bg);      border: 1.5px solid rgba(201,164,58,.35);      border-radius: var(--r-sm); transition: border-color .2s;    }    .jovem-card:hover { border-color: var(--gold); }    .jovem-card input[type="checkbox"] { width: 17px; height: 17px; accent-color: var(--navy); flex-shrink: 0; }    .jovem-info { flex: 1; }    .jovem-title { font-size: 14px; font-weight: 700; color: var(--navy); }    .jovem-desc  { font-size: 12px; color: var(--text-muted); }    .jovem-badge {      background: var(--gold); color: var(--white);      font-size: 10px; font-weight: 800; padding: 3px 9px;      border-radius: 50px; text-transform: uppercase; letter-spacing: .5px; white-space: nowrap;    }    /* Phone input */    .phone-wrap {      display: flex; border: 1.5px solid var(--border); border-radius: var(--r-sm); overflow: hidden;      transition: border-color .2s, box-shadow .2s;    }    .phone-wrap:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(74,59,46,.10); }    .phone-wrap.err { border-color: var(--error); }    .phone-flag { display: flex; align-items: center; gap: 6px; padding: 0 13px; background: var(--bg); border-right: 1px solid var(--border); font-size: 14px; font-weight: 600; color: var(--text-muted); white-space: nowrap; }    .phone-wrap input { flex: 1; border: none; outline: none; padding: 12px 14px; font-size: 15px; font-family: inherit; color: var(--text); }    /* Checkbox */    .chk-row { display: flex; align-items: flex-start; gap: 10px; cursor: pointer; }    .chk-row input { width: 17px; height: 17px; accent-color: var(--navy); margin-top: 2px; flex-shrink: 0; }    .chk-lbl { font-size: 13px; color: var(--text-muted); line-height: 1.5; }    .chk-lbl a { color: var(--navy); text-decoration: none; font-weight: 600; }    /* Teaser */    .teaser {      background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);      border-radius: var(--r-lg); padding: 26px 24px;      text-align: center; margin-bottom: 24px;      position: relative; overflow: hidden;    }    .teaser::before {      content: ''; position: absolute; top: -40px; right: -40px;      width: 180px; height: 180px; border-radius: 50%;      background: rgba(201,164,58,.12); pointer-events: none;    }    .teaser-label { font-size: 11px; font-weight: 700; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 6px; }    .teaser-amount { font-size: 48px; font-weight: 900; color: var(--white); letter-spacing: -2px; line-height: 1; }    .teaser-mo { font-size: 16px; color: rgba(255,255,255,.6); vertical-align: top; line-height: 3.2; margin-left: 3px; }    .teaser-note { font-size: 12px; color: rgba(255,255,255,.45); margin-top: 8px; }    .teaser-unlock {      display: inline-flex; align-items: center; gap: 6px;      font-size: 13px; color: var(--gold-light); font-weight: 600; margin-top: 12px;    }    /* Select */    select.form-ctrl {      appearance: none;      background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none' stroke='%2364748B' stroke-width='2' viewBox='0 0 24 24'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");      background-repeat: no-repeat; background-position: right 12px center;      padding-right: 38px;    }    /* Buttons */    .btn {      display: inline-flex; align-items: center; justify-content: center; gap: 8px;      padding: 14px 22px; border-radius: var(--r-sm);      font-size: 15px; font-weight: 700; font-family: inherit;      border: none; cursor: pointer; transition: all .2s;      text-decoration: none; white-space: nowrap;    }    .btn-primary { background: var(--navy); color: var(--white); width: 100%; font-size: 15px; padding: 13px; }    .btn-primary:hover { background: var(--navy-dark); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(74,59,46,.25); }    .btn-wa { background: #25D366; color: #fff; width: 100%; font-size: 16px; padding: 16px; }    .btn-wa:hover { background: #1DB954; transform: translateY(-1px); }    .btn-ghost { background: transparent; color: var(--text-muted); border: 1.5px solid var(--border); font-size: 14px; padding: 11px 18px; }    .btn-ghost:hover { border-color: var(--border-dark); color: var(--text); }    .btn-row { display: flex; flex-direction: column; gap: 10px; margin-top: 24px; }    .btn-mt  { margin-top: 24px; }    /* STEP HEADER (back + progress) */    .step-hd { display: flex; align-items: center; justify-content: space-between; margin-bottom: 14px; }    .step-back {      display: inline-flex; align-items: center; gap: 6px;      font-size: 13px; font-weight: 600; color: var(--text-muted);      cursor: pointer; background: none; border: none; font-family: inherit;      padding: 0; transition: color .2s;    }    .step-back:hover { color: var(--navy); }    .step-dots { display: flex; gap: 6px; align-items: center; }    .step-dot {      width: 8px; height: 8px; border-radius: 50%;      background: var(--border); transition: all .3s;    }    .step-dot.active { background: var(--navy); width: 22px; border-radius: 4px; }    .step-dot.done   { background: var(--success); }    /* TYPE SELECTION  */    .type-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }    .type-btn {      display: flex; flex-direction: column; align-items: center;      gap: 10px; padding: 24px 16px;      border: 2px solid var(--border); border-radius: var(--r-lg);      background: var(--white); cursor: pointer; text-align: center;      font-family: inherit; transition: all .2s;    }    .type-btn:hover { border-color: var(--navy-light); background: #FCF8F1; transform: translateY(-2px); }    .type-icon { font-size: 36px; line-height: 1; }    .type-title { font-size: 14px; font-weight: 800; color: var(--navy); line-height: 1.3; }    .type-desc  { font-size: 12px; color: var(--text-muted); line-height: 1.4; }    /* EURO INPUT  */    .eur-row { display: flex; border: 1.5px solid var(--border); border-radius: var(--r-sm); overflow: hidden; transition: border-color .2s, box-shadow .2s; }    .eur-row:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(74,59,46,.10); }    .eur-row.err { border-color: var(--error); }    .eur-prefix { padding: 0 13px; background: var(--bg); border-right: 1px solid var(--border); font-weight: 700; color: var(--text-muted); font-size: 16px; display: flex; align-items: center; flex-shrink: 0; }    .eur-row input { flex: 1; border: none; outline: none; padding: 10px 14px; font-size: 16px; font-family: inherit; color: var(--text); min-width: 0; background: transparent; }    /* YEAR CHIPS  */    .year-chips { display: flex; flex-wrap: wrap; gap: 8px; }    .year-chip {      padding: 7px 13px; border: 1.5px solid var(--border); border-radius: 50px;      font-size: 14px; font-weight: 600; color: var(--text-muted);      cursor: pointer; transition: all .18s; background: var(--white); font-family: inherit;    }    .year-chip:hover { border-color: var(--navy-light); color: var(--navy); }    .year-chip.active { background: var(--navy); border-color: var(--navy); color: var(--white); }    /* TOGGLE CHECK CARD  */    .check-toggle {      display: flex; align-items: center; gap: 14px;      padding: 10px 14px; border: 1.5px solid var(--border);      border-radius: var(--r-sm); cursor: pointer; user-select: none;      transition: all .2s; background: var(--white);    }    .check-toggle:hover { border-color: var(--navy-light); background: #FCF8F1; }    .check-toggle.on { border-color: var(--navy); background: #FBF1DF; }    .check-toggle-box {      width: 20px; height: 20px; border-radius: 4px;      border: 2px solid var(--border-dark); background: var(--white);      display: flex; align-items: center; justify-content: center;      flex-shrink: 0; transition: all .2s; font-size: 12px;    }    .check-toggle.on .check-toggle-box { background: var(--navy); border-color: var(--navy); color: var(--white); }    .check-toggle-text { flex: 1; }    .check-toggle-title { font-size: 14px; font-weight: 600; color: var(--text); display: block; }    .check-toggle-sub   { font-size: 12px; color: var(--text-muted); display: block; margin-top: 2px; line-height: 1.4; }    /* CONDITIONAL SLIDE  */    .cond-field {      overflow: hidden; max-height: 0;      transition: max-height .3s ease, opacity .3s;      opacity: 0;    }    .cond-field.open { max-height: 120px; opacity: 1; }    .cond-field > * { margin-top: 8px; }    /* PHASE OPTIONS (vertical radio cards) */    .phase-opts { display: flex; flex-direction: column; gap: 8px; }    .phase-opt input { display: none; }    .phase-opt-lbl {      display: flex; align-items: center; gap: 12px;      padding: 13px 16px; border: 1.5px solid var(--border);      border-radius: var(--r-sm); cursor: pointer; transition: all .2s;      font-size: 14px; font-weight: 500; color: var(--text);    }    .phase-opt-lbl:hover { border-color: var(--navy-light); background: #FCF8F1; }    .phase-opt input:checked + .phase-opt-lbl { border-color: var(--navy); background: #FBF1DF; color: var(--navy); font-weight: 700; }    .phase-opt-radio {      width: 18px; height: 18px; border-radius: 50%;      border: 2px solid var(--border-dark); flex-shrink: 0;      display: flex; align-items: center; justify-content: center; transition: all .2s;    }    .phase-opt input:checked + .phase-opt-lbl .phase-opt-radio { border-color: var(--navy); background: var(--navy); }    .phase-opt input:checked + .phase-opt-lbl .phase-opt-radio::after { content: ''; width: 6px; height: 6px; border-radius: 50%; background: #fff; }    /* SITUAÇÃO PILLS (horizontal) */    .sit-pills { display: flex; flex-wrap: wrap; gap: 8px; }    .sit-pill input { display: none; }    .sit-pill-lbl {      padding: 9px 14px; border: 1.5px solid var(--border);      border-radius: 50px; font-size: 13px; font-weight: 600;      color: var(--text-muted); cursor: pointer; transition: all .18s; white-space: nowrap;    }    .sit-pill-lbl:hover { border-color: var(--navy-light); color: var(--navy); }    .sit-pill input:checked + .sit-pill-lbl { background: var(--navy); border-color: var(--navy); color: var(--white); }    /* PHONE COUNTRY SELECTOR  */    .tel-field { position: relative; }    .tel-row {      display: flex; border: 1.5px solid var(--border);      border-radius: var(--r-sm); overflow: visible;      transition: border-color .2s, box-shadow .2s;    }    .tel-row:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(74,59,46,.10); }    .tel-row.err { border-color: var(--error); }    .country-btn {      display: flex; align-items: center; gap: 6px;      padding: 0 12px; background: var(--bg); cursor: pointer;      border-right: 1px solid var(--border); white-space: nowrap;      font-size: 14px; font-weight: 600; color: var(--text);      min-width: 96px; user-select: none; flex-shrink: 0;    }    .country-btn:hover { background: #FBF1DF; }    .caret { font-size: 10px; color: var(--text-muted); margin-left: 2px; }    .tel-row input[type="tel"] { flex: 1; border: none; outline: none; padding: 13px 14px; font-size: 15px; font-family: inherit; color: var(--text); min-width: 0; }    .country-drop { position: absolute; top: calc(100% + 4px); left: 0; width: 280px; background: var(--white); border: 1.5px solid var(--border); border-radius: var(--r-md); box-shadow: 0 8px 32px rgba(0,0,0,.12); z-index: 200; overflow: hidden; }    .country-search { padding: 10px 12px; border-bottom: 1px solid var(--border); }    .country-search input { width: 100%; border: 1.5px solid var(--border); border-radius: 6px; padding: 7px 10px; font-size: 13px; font-family: inherit; outline: none; color: var(--text); }    .country-search input:focus { border-color: var(--navy); }    .country-list { max-height: 200px; overflow-y: auto; }    .country-item { display: flex; align-items: center; gap: 10px; padding: 10px 14px; cursor: pointer; font-size: 14px; color: var(--text); transition: background .15s; }    .country-item:hover { background: var(--bg); }    .country-item.active { background: #FBF1DF; font-weight: 600; }    .country-item-flag { font-size: 18px; }    .country-item-name { flex: 1; }    .country-item-code { font-size: 13px; color: var(--text-muted); }    /* TEASER CARD  */    .teaser-mini {      background: linear-gradient(135deg, var(--navy-dark), var(--navy));      border-radius: var(--r-md); padding: 18px 20px;      display: flex; align-items: center; justify-content: space-between;      margin-bottom: 20px;    }    .teaser-mini-left { }    .teaser-mini-lbl { font-size: 11px; font-weight: 700; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 4px; }    .teaser-mini-val { font-size: 32px; font-weight: 900; color: var(--white); letter-spacing: -1px; line-height: 1; }    .teaser-mini-mo  { font-size: 13px; color: rgba(255,255,255,.55); }    .teaser-mini-lock { font-size: 28px; opacity: .4; }    /* RESULT  */    .result-head {      background: linear-gradient(135deg, var(--navy-dark), var(--navy));      border-radius: var(--r-lg); padding: 28px 24px;      text-align: center; margin-bottom: 22px;    }    .result-tag { font-size: 11px; font-weight: 700; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: 1.2px; margin-bottom: 6px; }    .result-val { font-size: clamp(50px,10vw,74px); font-weight: 900; color: var(--white); line-height: 1; letter-spacing: -2px; }    .result-mo  { font-size: 17px; color: rgba(255,255,255,.55); margin-top: 4px; }    .result-badge {      display: inline-flex; align-items: center; gap: 6px;      background: rgba(34,197,94,.18); color: #6EE7B7;      font-size: 13px; font-weight: 700; padding: 6px 14px;      border-radius: 50px; margin-top: 14px;    }    .result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 18px; }    .result-item { background: var(--bg); border: 1px solid var(--border); border-radius: var(--r-sm); padding: 13px 15px; }    .result-item-lbl { font-size: 10px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 3px; }    .result-item-val { font-size: 17px; font-weight: 700; color: var(--navy); }    .rates-box { background: var(--bg); border: 1px solid var(--border); border-radius: var(--r-md); padding: 16px 20px; margin-bottom: 18px; }    .rates-title { font-size: 11px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: .6px; margin-bottom: 12px; }    .rate-row { display: flex; justify-content: space-between; align-items: center; font-size: 14px; padding: 5px 0; }    .rate-row.sep { border-top: 1px solid var(--border); margin-top: 6px; padding-top: 10px; }    .rate-name { color: var(--text-muted); }    .rate-name.bold { font-weight: 700; color: var(--text); }    .rate-v { font-weight: 700; color: var(--text); }    .rate-v.big { font-size: 17px; color: var(--navy); }    .disclaimer { font-size: 11px; color: var(--text-muted); line-height: 1.7; text-align: center; padding: 0 4px; margin-bottom: 20px; }    .expert-box {      background: var(--gold-bg); border: 1.5px solid rgba(201,164,58,.3);      border-radius: var(--r-lg); padding: 22px 20px;      text-align: center; margin-bottom: 12px;    }    .expert-title { font-size: 16px; font-weight: 800; color: var(--navy); margin-bottom: 4px; }    .expert-sub { font-size: 13px; color: var(--text-muted); margin-bottom: 18px; }    /* FEATURES  */    .features { padding: 80px 24px; background: var(--white); }    .features-inner { max-width: 1060px; margin: 0 auto; }    .section-head { text-align: center; margin-bottom: 48px; }    .section-h2 { font-size: clamp(26px,4vw,40px); font-weight: 900; color: var(--navy); letter-spacing: -.5px; margin-bottom: 10px; }    .section-h2 .accent { color: var(--gold); }    .section-p { color: var(--text-muted); font-size: 16px; max-width: 520px; margin: 0 auto; }    .feat-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(220px,1fr)); gap: 20px; }    .feat-card {      background: var(--bg); border: 1px solid var(--border);      border-radius: var(--r-lg); padding: 28px 24px;      transition: transform .2s, border-color .2s, box-shadow .2s;    }    .feat-card:hover { transform: translateY(-4px); border-color: var(--navy-light); box-shadow: 0 8px 28px rgba(74,59,46,.10); }    .feat-icon-wrap {      width: 52px; height: 52px; border-radius: var(--r-md);      background: #FBF1DF; display: flex; align-items: center; justify-content: center;      font-size: 26px; margin-bottom: 16px;    }    .feat-title { font-size: 16px; font-weight: 800; color: var(--navy); margin-bottom: 8px; }    .feat-desc { font-size: 14px; color: var(--text-muted); line-height: 1.6; }    /* BANKS  */    .banks { padding: 0 24px 72px; background: var(--white); }    .banks-inner { max-width: 860px; margin: 0 auto; text-align: center; }    .banks-title { font-size: 12px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 22px; }    .banks-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }    .bank-chip { background: var(--bg); border: 1px solid var(--border); border-radius: 50px; padding: 8px 18px; font-size: 13px; font-weight: 600; color: var(--text-muted); }    /* HOW IT WORKS  */    .how { padding: 80px 24px; background: var(--bg); }    .how-inner { max-width: 860px; margin: 0 auto; }    .steps-row { display: grid; grid-template-columns: repeat(auto-fit,minmax(160px,1fr)); gap: 28px; margin-top: 48px; }    .how-step { text-align: center; }    .how-step-num {      width: 48px; height: 48px; border-radius: 50%;      background: var(--navy); color: var(--white);      font-size: 18px; font-weight: 900;      display: flex; align-items: center; justify-content: center;      margin: 0 auto 16px;    }    .how-step-title { font-size: 16px; font-weight: 800; color: var(--navy); margin-bottom: 8px; }    .how-step-desc  { font-size: 14px; color: var(--text-muted); line-height: 1.6; }    /* FAQ  */    .faq { padding: 72px 24px; background: var(--white); }    .faq-inner { max-width: 680px; margin: 0 auto; }    .faq-item { border-bottom: 1px solid var(--border); }    .faq-q {      width: 100%; background: none; border: none; cursor: pointer;      padding: 20px 0; text-align: left;      display: flex; justify-content: space-between; align-items: center;      font-size: 15px; font-weight: 600; color: var(--text); font-family: inherit; gap: 16px;    }    .faq-q:hover { color: var(--navy); }    .faq-icon { font-size: 20px; color: var(--navy); transition: transform .3s; flex-shrink: 0; }    .faq-item.open .faq-icon { transform: rotate(45deg); }    .faq-a { font-size: 14px; color: var(--text-muted); line-height: 1.7; max-height: 0; overflow: hidden; transition: max-height .35s ease, padding .3s; }    .faq-item.open .faq-a { max-height: 250px; padding-bottom: 18px; }    /* CTA BAND  */    .cta-band {      background: linear-gradient(135deg, var(--navy-dark), var(--navy), var(--navy-light));      padding: 64px 24px; text-align: center;      position: relative; overflow: hidden;    }    .cta-band::before {      content: ''; position: absolute; inset: 0;      background: radial-gradient(ellipse 600px 400px at 60% 50%, rgba(201,164,58,.12), transparent 70%);      pointer-events: none;    }    .cta-band h2 { font-size: clamp(24px,4vw,40px); font-weight: 900; color: var(--white); letter-spacing: -.5px; margin-bottom: 14px; position: relative; }    .cta-band p  { font-size: 17px; color: rgba(255,255,255,.65); margin-bottom: 32px; position: relative; }    .cta-band-btns { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; position: relative; }    .btn-cta-sim {      display: inline-flex; align-items: center; gap: 8px;      background: var(--white); color: var(--navy);      padding: 15px 28px; border-radius: 50px;      font-size: 16px; font-weight: 800; text-decoration: none;      transition: transform .15s, box-shadow .15s;    }    .btn-cta-sim:hover { transform: translateY(-2px); box-shadow: 0 6px 24px rgba(0,0,0,.2); }    .btn-cta-wa {      display: inline-flex; align-items: center; gap: 8px;      background: #25D366; color: #fff;      padding: 15px 28px; border-radius: 50px;      font-size: 16px; font-weight: 800; text-decoration: none;      transition: transform .15s, box-shadow .15s;    }    .btn-cta-wa:hover { transform: translateY(-2px); box-shadow: 0 6px 24px rgba(0,0,0,.2); }    /* FOOTER  */    .footer { background: var(--navy-dark); padding: 56px 24px 28px; }    .footer-inner { max-width: 1060px; margin: 0 auto; display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 48px; margin-bottom: 44px; }    .footer-brand img { height: 42px; margin-bottom: 14px; display: block; }    .footer-brand p  { font-size: 13px; color: rgba(255,255,255,.45); line-height: 1.7; }    .footer-socials { display: flex; gap: 10px; margin-top: 18px; }    .social-a {      width: 36px; height: 36px; border-radius: 50%;      background: rgba(255,255,255,.08);      display: flex; align-items: center; justify-content: center;      color: rgba(255,255,255,.45); text-decoration: none; font-size: 14px; font-weight: 700;      transition: all .2s;    }    .social-a:hover { background: var(--gold); color: var(--white); }    .footer-col-h { font-size: 11px; font-weight: 800; color: rgba(255,255,255,.35); text-transform: uppercase; letter-spacing: .7px; margin-bottom: 16px; }    .footer-links { list-style: none; display: flex; flex-direction: column; gap: 11px; }    .footer-links a { font-size: 14px; color: rgba(255,255,255,.5); text-decoration: none; transition: color .2s; }    .footer-links a:hover { color: var(--white); }    .footer-reg {      display: inline-flex; align-items: center; gap: 6px;      background: rgba(34,197,94,.12); border: 1px solid rgba(34,197,94,.2);      color: #6EE7B7; font-size: 11px; font-weight: 700;      padding: 4px 12px; border-radius: 50px; margin-top: 12px;    }    .footer-bottom { max-width: 1060px; margin: 0 auto; border-top: 1px solid rgba(255,255,255,.07); padding-top: 22px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }    .footer-bottom p  { font-size: 12px; color: rgba(255,255,255,.3); }    .footer-bottom a  { color: rgba(255,255,255,.4); text-decoration: none; margin-left: 18px; }    .footer-bottom a:hover { color: var(--white); }    /* RESPONSIVE  */    @media (max-width: 1000px) {      .hero-inner { grid-template-columns: 1fr; gap: 40px; padding: 48px 24px 56px; }      .hero-text { display: none; }  /* hide text on mobile, show form full-width */    }    @media (max-width: 860px) {      .steps-row { grid-template-columns: 1fr; }      .footer-inner { grid-template-columns: 1fr; gap: 32px; }    }    @media (max-width: 640px) {      .sim-card { padding: 24px 16px; }      .form-grid2 { grid-template-columns: 1fr; }      .result-grid { grid-template-columns: 1fr; }      .header-nav { display: none; }      .prog-label { display: none; }    }    @media (max-width: 380px) { .radio-cards { grid-template-columns: 1fr; } }    .hidden { display: none !important; }

/* Overlay */  .ck-overlay {    position: fixed; inset: 0; z-index: 9000;    background: rgba(10,20,40,.55);    backdrop-filter: blur(3px);    display: flex; align-items: center; justify-content: center;    padding: 16px;    animation: ckFadeIn .25s ease;  }  .ck-overlay.hidden { display: none; }  @keyframes ckFadeIn { from{opacity:0} to{opacity:1} }  /* Modal */  .ck-modal {    background: var(--white);    border-radius: 14px;    width: 100%; max-width: 620px;    max-height: 90vh;    overflow: hidden;    display: flex; flex-direction: column;    box-shadow: 0 24px 80px rgba(0,0,0,.3);    animation: ckSlideUp .3s ease;  }  @keyframes ckSlideUp { from{opacity:0;transform:translateY(20px)} to{opacity:1;transform:translateY(0)} }  /* Header */  .ck-header {    display: flex; align-items: center; justify-content: space-between;    padding: 18px 24px 0;    border-bottom: 1px solid var(--border);  }  .ck-logo { display: flex; align-items: center; gap: 8px; }  .ck-logo img { height: 30px; width: auto; }  .ck-brand { font-size: 11px; color: var(--text-muted); font-weight: 600; }  /* Tabs */  .ck-tabs { display: flex; gap: 0; }  .ck-tab {    padding: 14px 18px; font-size: 14px; font-weight: 600;    color: var(--text-muted); background: none; border: none;    cursor: pointer; border-bottom: 2px solid transparent;    font-family: inherit; transition: color .2s, border-color .2s;    white-space: nowrap;  }  .ck-tab.active { color: var(--gold); border-bottom-color: var(--gold); }  .ck-tab:hover:not(.active) { color: var(--navy); }  /* Body */  .ck-body { padding: 22px 24px; overflow-y: auto; flex: 1; }  /* Tab panes */  .ck-pane { display: none; }  .ck-pane.active { display: block; }  .ck-pane h3 { font-size: 15px; font-weight: 800; color: var(--navy); margin-bottom: 10px; }  .ck-pane p  { font-size: 13px; color: var(--text-muted); line-height: 1.7; margin-bottom: 16px; }  /* Toggles row */  .ck-toggles { display: grid; grid-template-columns: repeat(4,1fr); gap: 12px; margin-top: 20px; }  .ck-toggle-item { display: flex; flex-direction: column; align-items: center; gap: 10px; }  .ck-toggle-label { font-size: 12px; font-weight: 700; color: var(--text); text-align: center; line-height: 1.3; }  /* Toggle switch */  .ck-switch { position: relative; width: 46px; height: 26px; flex-shrink: 0; }  .ck-switch input { opacity: 0; width: 0; height: 0; }  .ck-slider {    position: absolute; inset: 0; cursor: pointer;    background: #D9Cab4; border-radius: 26px;    transition: background .25s;  }  .ck-slider::before {    content: ''; position: absolute;    width: 20px; height: 20px; border-radius: 50%;    background: white; left: 3px; top: 3px;    box-shadow: 0 1px 4px rgba(0,0,0,.2);    transition: transform .25s;  }  .ck-switch input:checked + .ck-slider { background: var(--gold); }  .ck-switch input:checked + .ck-slider::before { transform: translateX(20px); }  .ck-switch input:disabled + .ck-slider { opacity: .6; cursor: not-allowed; }  /* Details accordion */  .ck-detail-item { border-bottom: 1px solid var(--border); }  .ck-detail-q {    width: 100%; background: none; border: none; cursor: pointer;    padding: 14px 0; text-align: left; font-family: inherit;    font-size: 14px; font-weight: 700; color: var(--navy);    display: flex; justify-content: space-between; align-items: center; gap: 12px;  }  .ck-detail-q:hover { color: var(--gold); }  .ck-detail-left { display: flex; align-items: center; gap: 14px; }  .ck-detail-icon { font-size: 16px; color: var(--navy); transition: transform .3s; }  .ck-detail-item.open .ck-detail-icon { transform: rotate(90deg); }  .ck-detail-body {    font-size: 13px; color: var(--text-muted); line-height: 1.7;    max-height: 0; overflow: hidden; transition: max-height .3s ease, padding .3s;  }  .ck-detail-item.open .ck-detail-body { max-height: 200px; padding-bottom: 14px; }  /* About tab */  .ck-about-table { width: 100%; border-collapse: collapse; font-size: 13px; margin-top: 12px; }  .ck-about-table th { font-weight: 700; color: var(--navy); padding: 8px 10px; background: var(--bg); text-align: left; font-size: 12px; text-transform: uppercase; letter-spacing: .4px; }  .ck-about-table td { padding: 8px 10px; color: var(--text-muted); border-top: 1px solid var(--border); }  /* Footer buttons */  .ck-footer {    padding: 16px 24px;    border-top: 1px solid var(--border);    display: flex; gap: 10px; flex-wrap: wrap;    background: var(--white);  }  .ck-btn {    flex: 1; min-width: 100px;    padding: 12px 10px; border-radius: 8px;    font-size: 14px; font-weight: 700; font-family: inherit;    cursor: pointer; transition: all .2s; white-space: nowrap;    text-align: center;  }  .ck-btn-reject {    background: var(--white); color: var(--text);    border: 1.5px solid var(--border);  }  .ck-btn-reject:hover { border-color: var(--border-dark); background: var(--bg); }  .ck-btn-select {    background: var(--white); color: var(--navy);    border: 1.5px solid var(--navy);  }  .ck-btn-select:hover { background: #FBF1DF; }  .ck-btn-accept {    background: var(--gold); color: var(--white);    border: 1.5px solid var(--gold);  }  .ck-btn-accept:hover { background: #A8882E !important; border-color: #A8882E !important; color: #fff !important; }  /* Small notice bar (after consent) */  .ck-notice {    position: fixed; bottom: 16px; left: 16px; z-index: 8000;    background: var(--white); border: 1px solid var(--border);    border-radius: 50px; padding: 8px 16px;    font-size: 12px; color: var(--text-muted); font-weight: 500;    box-shadow: 0 4px 16px rgba(0,0,0,.10);    cursor: pointer; transition: all .2s;    display: flex; align-items: center; gap: 6px;  }  .ck-notice:hover { border-color: var(--navy); color: var(--navy); }  .ck-notice.hidden { display: none; }  @media (max-width: 480px) {    .ck-toggles { grid-template-columns: repeat(2,1fr); }    .ck-tabs .ck-tab { padding: 12px 10px; font-size: 12px; }    .ck-footer { flex-direction: column; }    .ck-btn { flex: none; width: 100%; }  }

/* ============ TEMPLATE REBUILD (Design-Arena style, gold accent) ============ */
.hl { background: linear-gradient(180deg, transparent 58%, rgba(201,164,58,.45) 58%); padding: 0 .08em; }
.btn-pill { display:inline-flex; align-items:center; gap:9px; padding:12px 24px; border-radius:50px; font-weight:700; font-size:14px; font-family:inherit; text-decoration:none; cursor:pointer; border:1.5px solid transparent; transition:all .2s; white-space:nowrap; }
.btn-pill-accent { background: var(--gold); color:#1A1A1A; }
.btn-pill-accent:hover { background: var(--gold-dark); color:#fff; }
.btn-pill-ghost { background:#fff; color:#1A1A1A; border-color:#E6E8EC; }
.btn-pill-ghost:hover { border-color:#1A1A1A; }
.btn-pill-lg { padding:16px 32px; font-size:16px; }
.btn-dot { width:11px; height:11px; border-radius:50%; background:rgba(0,0,0,.22); }

/* header pill nav */
.nav { position:fixed; top:16px; left:50%; transform:translateX(-50%); width:calc(100% - 32px); max-width:1180px; z-index:100; background:#fff; border-radius:60px; box-shadow:0 12px 34px rgba(0,0,0,.10); display:flex; align-items:center; justify-content:space-between; padding:9px 12px 9px 26px; }
.nav-logo img { height:42px; width:auto; display:block; }
.nav-links { display:flex; gap:30px; }
.nav-links a { color:#1A1A1A; text-decoration:none; font-weight:600; font-size:15px; transition:color .2s; }
.nav-links a:hover { color: var(--gold-dark); }
.nav-actions { display:flex; gap:10px; align-items:center; }

/* hero (template) */
.hero2 { background:#fff; padding:120px 24px 70px; position:relative; overflow:hidden; }
.hero2-inner { max-width:1180px; margin:0 auto; display:grid; grid-template-columns:1.05fr 1fr; gap:40px; align-items:center; }
.hero2-text h1 { font-family:'Inter',sans-serif; font-size:clamp(26px,3.2vw,42px); font-weight:800; line-height:1.07; letter-spacing:-1.6px; color:#1A1A1A; }
.hero2-sub { font-size:17px; color:#5A6270; line-height:1.7; max-width:480px; margin:22px 0 30px; }
.hero2-trust { margin-top:28px; font-size:13px; color:#5A6270; font-weight:600; }
.hero2-visual { position:relative; min-height:520px; display:flex; align-items:center; justify-content:center; }
.hero2-band { position:absolute; top:4%; bottom:4%; left:20%; width:38%; background:linear-gradient(var(--gold-light), rgba(245,204,106,.12)); border-radius:32px; opacity:.55; z-index:1; }
.photo-ph { background:#F0F2F5; border:2px dashed #C4C9D2; border-radius:24px; display:flex; align-items:center; justify-content:center; text-align:center; color:#98A0AC; font-weight:700; font-size:13px; letter-spacing:.4px; line-height:1.6; }
.hero2-photo { position:relative; z-index:2; width:360px; height:470px; border-radius:26px; background:#F0F2F5 center/cover no-repeat; box-shadow:0 26px 60px rgba(0,0,0,.20); }
.float-pill { position:absolute; z-index:3; background:#fff; box-shadow:0 10px 28px rgba(0,0,0,.13); border-radius:50px; padding:12px 20px; font-size:14px; font-weight:600; color:#1A1A1A; }
.fp-1 { top:4%; left:-2%; }
.fp-2 { top:32%; left:-10%; }
.fp-3 { top:58%; right:-8%; }
.hero2-tags { position:absolute; z-index:3; bottom:-10px; left:50%; transform:translateX(-50%); display:flex; gap:10px; }
.hero2-tags span { background:#fff; box-shadow:0 8px 20px rgba(0,0,0,.10); border-radius:30px; padding:8px 15px; font-size:12.5px; font-weight:600; color:#1A1A1A; white-space:nowrap; }

/* simulator section */
.simsec { background:#F5F7F8; padding:72px 24px; }
.simsec-head { text-align:center; max-width:620px; margin:0 auto 36px; }
.simsec-head h2 { font-size:clamp(28px,3.4vw,42px); font-weight:800; color:#1A1A1A; letter-spacing:-1px; }
.simsec-head p { color:#5A6270; font-size:16px; margin-top:12px; line-height:1.6; }
.simsec-card { max-width:560px; margin:0 auto; }

@media (max-width: 900px) {
  .nav-links { display:none; }
  .hero2-inner { grid-template-columns:1fr; }
  .hero2-visual { min-height:420px; margin-top:20px; }
}


/* ===== template sections ===== */
.sec { padding: 84px 24px; }
.sec-head { text-align:center; max-width:680px; margin:0 auto 50px; }
.sec-head h2 { font-size:clamp(28px,3.6vw,46px); font-weight:800; color:#1A1A1A; letter-spacing:-1px; }
.sec-head p { color:#5A6270; font-size:16px; margin-top:14px; line-height:1.6; }

/* 3 steps */
.steps { max-width:1140px; margin:0 auto; display:grid; grid-template-columns:1fr 1fr; gap:54px; align-items:center; }
.steps-list { display:flex; flex-direction:column; gap:18px; }
.step-card { display:flex; align-items:center; gap:22px; background:#fff; border:1px solid #EDEFF2; border-radius:60px; padding:16px 30px; box-shadow:0 12px 34px rgba(0,0,0,.06); }
.step-ico { width:58px; height:58px; border-radius:50%; background:var(--gold); color:#1A1A1A; display:flex; align-items:center; justify-content:center; font-size:24px; font-weight:800; flex-shrink:0; }
.step-txt { font-size:20px; font-weight:700; color:#1A1A1A; }
.steps-visual { display:flex; justify-content:center; }

/* parceiros */
.banks2 { background:#F5F7F8; padding:54px 24px; }
.banks2-head { text-align:center; color:#7A828F; font-weight:700; font-size:13px; text-transform:uppercase; letter-spacing:1.2px; margin-bottom:32px; }
.banks2-grid { max-width:1080px; margin:0 auto; display:flex; flex-wrap:wrap; justify-content:center; align-items:center; gap:30px 48px; }
.banks2-grid img { height:32px; width:auto; filter:grayscale(1); opacity:.65; transition:all .25s; }
.banks2-grid img:hover { filter:none; opacity:1; }

/* sectors */
.sectors { max-width:1140px; margin:0 auto; display:grid; grid-template-columns:1fr 1.15fr; gap:46px; align-items:center; }
.sector-photo { height:460px; border:3px solid var(--gold); border-radius:40px 12px 40px 12px; background:#F0F2F5 center/cover no-repeat; }
.sector-card { background:#fff; border:1px solid #EDEFF2; border-radius:30px; padding:42px; box-shadow:0 22px 56px rgba(0,0,0,.07); }
.sector-tag { display:inline-block; border:2px solid var(--gold); border-radius:30px; padding:5px 18px; font-weight:700; font-size:14px; color:#1A1A1A; margin-bottom:18px; }
.sector-card h3 { font-size:28px; font-weight:800; color:#1A1A1A; letter-spacing:-.5px; margin-bottom:14px; }
.sector-desc { color:#5A6270; font-size:16px; line-height:1.7; }
.sector-actions { display:flex; gap:12px; margin-top:26px; flex-wrap:wrap; }
.sector-arrows { display:flex; gap:12px; margin-top:28px; }
.sector-arrows button { width:48px; height:48px; border-radius:50%; border:1.5px solid #D1D5DB; background:#fff; cursor:pointer; font-size:18px; color:#1A1A1A; transition:all .2s; }
.sector-arrows button:hover { border-color:var(--gold); background:var(--gold); }

/* newsletter */
.nl { max-width:1140px; margin:60px auto; background:#F5F7F8; border-radius:40px; padding:74px 24px; text-align:center; border-top:4px solid var(--gold); border-bottom:4px solid var(--gold); }
.nl h2 { font-size:clamp(26px,3.2vw,40px); font-weight:800; color:#1A1A1A; letter-spacing:-1px; }
.nl p { color:#5A6270; font-size:16px; margin-top:14px; }
.nl-form { display:flex; max-width:520px; margin:26px auto 0; background:#fff; border-radius:50px; padding:6px 6px 6px 8px; box-shadow:0 12px 30px rgba(0,0,0,.08); }
.nl-form input { flex:1; border:none; outline:none; padding:0 18px; font-size:15px; font-family:inherit; background:transparent; color:#1A1A1A; }
.nl-socials { display:flex; gap:16px; justify-content:center; margin-top:30px; }
.nl-socials a { width:60px; height:60px; border-radius:18px; background:#fff; box-shadow:0 6px 18px rgba(0,0,0,.08); display:flex; align-items:center; justify-content:center; color:#1A1A1A; transition:all .2s; }
.nl-socials a:hover { transform:translateY(-2px); }
.nl-socials svg { width:28px; height:28px; }
.nl-socials a:hover { background:var(--gold); }

/* footer */
.footer2 { background: linear-gradient(180deg, #F4EBC9 0%, #FBF6EC 48%, #FFFFFF 100%); border-radius: 50% 50% 0 0 / 92px 92px 0 0; padding: 116px 24px 0; margin-top: 30px; overflow: hidden; }
.footer2-inner { max-width:1140px; margin:0 auto; display:grid; grid-template-columns:1.5fr 1fr 1fr 1.2fr; gap:40px; }
.footer2-brand img { height:48px; width:auto; margin-bottom:16px; }
.footer2-brand p { color:#5A6270; font-size:14px; line-height:1.7; max-width:320px; }
.footer2-socials { display:flex; gap:12px; margin-top:18px; }
.footer2-socials a { width:42px; height:42px; border-radius:12px; background:#F5F7F8; display:flex; align-items:center; justify-content:center; color:#1A1A1A; transition:all .2s; }
.footer2-socials a:hover { background:var(--gold); }
.footer2-col h4 { font-size:16px; font-weight:800; margin-bottom:18px; color:#1A1A1A; }
.footer2-col a { display:block; color:#5A6270; text-decoration:none; font-size:14px; margin-bottom:11px; line-height:1.5; }
.footer2-col a:hover { color:var(--gold-dark); }
.footer2-bar { max-width:1140px; margin:54px auto 0; background:var(--navy-dark); border-radius:24px 24px 0 0; padding:22px 34px; display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:14px; }
.footer2-bar span, .footer2-bar a { color:rgba(255,255,255,.75); font-size:13px; text-decoration:none; }
.footer2-bar a:hover { color:var(--gold-light); }
.footer2-legal { display:flex; gap:26px; flex-wrap:wrap; }

@media (max-width: 900px) {
  .steps, .sectors, .footer2-inner { grid-template-columns:1fr; }
  .footer2-bar { flex-direction:column; text-align:center; }
}

/* ===== hero immersive (mirrored background photo) ===== */
.hero2 { background:#1A1A1A; }
.hero2::before { content:''; position:absolute; inset:0; background:url('../img/hero-bg.jpg') 30% center/125% no-repeat; transform:scaleX(-1); z-index:0; }
.hero2::after { content:''; position:absolute; inset:0; background:linear-gradient(100deg, rgba(18,15,12,.88) 0%, rgba(18,15,12,.60) 42%, rgba(18,15,12,.18) 72%, rgba(0,0,0,.03) 100%); z-index:1; }
.hero2-inner { position:relative; z-index:2; }
.hero2-text h1 { color:#fff; }
.hero2-sub { color:rgba(255,255,255,.88); }
.hero2-trust { color:rgba(255,255,255,.82); }
/* wordmark navbar */
.wordmark { font-family:'Quicksand', sans-serif; font-weight:700; font-size:30px; letter-spacing:.5px; line-height:1; color:#a8882e; }
.wordmark-accent { color:#a8882e; }
.nav-logo { text-decoration:none; }
/* scroll offset (fixed nav) + nav hide-on-scroll */
html { scroll-behavior: smooth; scroll-padding-top: 96px; }
.nav { transition: transform .35s ease; }
.nav.nav--hidden { transform: translate(-50%, -180%); }

/* hero rotating badge (below content) */
.hero-rotator { display:inline-flex; align-items:center; gap:11px; margin-top:26px; background:rgba(255,255,255,.94); border-radius:50px; padding:12px 24px; box-shadow:0 12px 30px rgba(0,0,0,.20); font-weight:600; font-size:15px; color:#1A1A1A; min-height:44px; }
.rot-dot { width:9px; height:9px; border-radius:50%; background:var(--gold); flex-shrink:0; }
#rotatorText { transition:opacity .35s ease; }

.steps-img { width:100%; max-width:520px; height:auto; border-radius:24px; box-shadow:0 20px 50px rgba(0,0,0,.10); display:block; }

/* sliding ticker strip */
.ticker { display:flex; overflow:hidden; background:var(--gold); }
.ticker-group { flex-shrink:0; min-width:100%; display:flex; align-items:center; justify-content:space-around; white-space:nowrap; animation:tickerScroll 32s linear infinite; }
.ticker-group span { font-weight:700; font-size:15px; color:#1A1A1A; padding:15px 30px; }
.ticker-dot { width:6px; height:6px; border-radius:50%; background:rgba(0,0,0,.35); flex-shrink:0; }
.ticker:hover .ticker-group { animation-play-state:paused; }
@keyframes tickerScroll { to { transform:translateX(-100%); } }
/* hero preview simulator card */
.hero-simcard { background:#fff; border-radius:22px; border-top:4px solid var(--gold); padding:26px; box-shadow:0 28px 64px rgba(0,0,0,.30); max-width:430px; margin-left:auto; }
.simcard-badge { display:block; margin:-2px auto 18px; padding:14px 56px; background:var(--gold); color:#1A1A1A; font-family:inherit; font-size:28px; font-weight:900; letter-spacing:1px; border:none; border-radius:50px; cursor:pointer; box-shadow:0 12px 26px rgba(201,164,58,.42); transition:all .2s; }
.simcard-badge:hover { background:var(--gold-dark); color:#fff; transform:translateY(-2px); box-shadow:0 16px 32px rgba(201,164,58,.5); }
.hero-simcard h3 { font-size:20px; font-weight:800; color:#1A1A1A; text-align:center; margin-bottom:18px; }
.hero-simcard > p { font-size:14px; color:#6B7280; margin:4px 0 18px; }
.hero-types { display:grid; grid-template-columns:1fr 1fr; gap:12px; }
.hero-type { background:#fff; border:1.5px solid #E6E8EC; border-radius:14px; padding:18px 12px; cursor:pointer; text-align:center; display:flex; flex-direction:column; align-items:center; gap:6px; font-family:inherit; transition:all .2s; }
.hero-type:hover { border-color:var(--gold); box-shadow:0 10px 24px rgba(0,0,0,.10); transform:translateY(-2px); }
.hero-type-ico { font-size:30px; }
.hero-type-t { font-weight:700; font-size:14px; color:#1A1A1A; line-height:1.3; }
.hero-type-d { font-size:12px; color:#6B7280; line-height:1.4; }

/* navbar wordmark + sub-line */
.nav-logo { display:flex; flex-direction:row; align-items:center; gap:12px; line-height:1; }
.nav-logo-txt { font-family:'Quicksand', sans-serif; font-weight:700; font-size:24px; letter-spacing:.5px; line-height:1; color:#a8882e; white-space:nowrap; }
.wordmark-sub { display:block; font-size:10.5px; font-weight:600; color:#6B7280; margin-top:4px; white-space:nowrap; line-height:1.1; }
.wordmark-sub .ws-fit { display:inline-block; white-space:nowrap; }
/* hero card now on the left, under the title */
.hero-simcard { margin-left:0; margin-top:26px; max-width:470px; }
/* hero subtitle on the right, over the photo */
.hero2-visual { align-items:center; justify-content:center; }
.hero2-sub-right { color:#fff; font-size:18px; line-height:1.75; max-width:330px; margin-left:auto; font-weight:500; text-shadow:0 2px 16px rgba(0,0,0,.55); }
@media (max-width: 900px) { .hero2-sub-right { margin:0; max-width:none; text-align:left; } }

/* Banco de Portugal badge (between title and simulator) */
.hero-bdp { display:inline-block; margin-top:18px; }
.hero-bdp img { height:110px; width:auto; display:block; }

/* ===== simulator modal ===== */
.sim-modal { position:fixed; inset:0; z-index:1000; display:none; }
.sim-modal.open { display:block; }
.sim-modal-overlay { position:absolute; inset:0; background:rgba(15,18,22,.62); animation:fadeIn .2s ease; }
.sim-modal-box { position:relative; z-index:1; background:#fff; width:min(560px,94vw); max-height:92vh; overflow-y:auto; margin:4vh auto; border-radius:24px; padding:34px 30px 30px; box-shadow:0 40px 100px rgba(0,0,0,.45); animation:popIn .25s ease; }
.sim-modal-close { position:absolute; top:14px; right:16px; width:36px; height:36px; border:none; background:#F0F2F5; border-radius:50%; font-size:22px; line-height:1; cursor:pointer; color:#5A6270; z-index:3; transition:background .2s; }
.sim-modal-close:hover { background:#E4E7EB; }
body.modal-open { overflow:hidden; }
@keyframes fadeIn { from { opacity:0; } to { opacity:1; } }
@keyframes popIn { from { opacity:0; transform:translateY(16px); } to { opacity:1; transform:none; } }

/* ============================================================
   RESPONSIVE OVERHAUL — telemóvel & tablet
   ============================================================ */

/* --- botão hambúrguer (escondido no desktop) --- */
.nav-burger { display:none; width:42px; height:42px; border:none; background:transparent; cursor:pointer; flex-direction:column; justify-content:center; align-items:center; gap:5px; padding:0; flex-shrink:0; }
.nav-burger span { display:block; width:23px; height:2px; background:#1A1A1A; border-radius:2px; transition:transform .3s ease, opacity .2s ease; }
.nav-burger.open span:nth-child(1) { transform:translateY(7px) rotate(45deg); }
.nav-burger.open span:nth-child(2) { opacity:0; }
.nav-burger.open span:nth-child(3) { transform:translateY(-7px) rotate(-45deg); }

/* --- menu mobile (dropdown) --- */
.nav-mobile { display:none; position:fixed; top:84px; left:50%; transform:translateX(-50%); width:calc(100% - 24px); max-width:460px; background:#fff; border-radius:20px; box-shadow:0 18px 44px rgba(0,0,0,.16); z-index:99; padding:12px; flex-direction:column; gap:2px; }
.nav-mobile.open { display:flex; }
.nav-mobile a { padding:13px 16px; border-radius:12px; color:#1A1A1A; text-decoration:none; font-weight:600; font-size:16px; transition:background .15s; }
.nav-mobile a:hover { background:#F5F7F8; }
.nav-mobile-cta { margin-top:8px; text-align:center; background:var(--gold); color:#1A1A1A !important; font-weight:700 !important; }
.nav-mobile-cta:hover { background:var(--gold-dark); color:#fff !important; }
.nav-links a { white-space:nowrap; }   /* nunca partir "Como Funciona" em 2 linhas */
.wa-ico { width:19px; height:19px; display:block; flex-shrink:0; }   /* ícone WhatsApp no botão "Falar connosco" */

/* botão flutuante WhatsApp — só mobile/tablet (≤1024px) */
.wa-float { display:none; position:fixed; right:16px; bottom:16px; z-index:8500; width:58px; height:58px; animation:waPulse 2s ease-in-out infinite; }
.wa-float img { width:100%; height:100%; display:block; filter:drop-shadow(0 6px 16px rgba(0,0,0,.35)); transition:transform .2s; }
.wa-float:active img, .wa-float:hover img { transform:scale(1.08); }
.wa-float:hover { animation-play-state:paused; }
@keyframes waPulse { 0%,100% { transform:scale(1); } 50% { transform:scale(1.07); } }
@media (prefers-reduced-motion: reduce) { .wa-float { animation:none; } }
@media (max-width: 1024px) { .wa-float { display:block; } }

/* ---- TABLET (≤1024px) ---- */
@media (max-width: 1024px) {
  .sec { padding:64px 22px; }
  .sectors { gap:32px; }
  .sector-card { padding:34px; }
  .sector-photo { height:380px; }
  /* nav passa a hambúrguer já no tablet (evita os links espremidos a partir de ~900px) */
  .nav-links { display:none; }
  .nav-burger { display:flex; }
  .nav-logo { margin-right:auto; margin-left:4px; }
  .nav-actions .btn-pill-ghost { display:none; }
}

/* foto da hero e selo BdP mobile só aparecem no mobile */
.hero2-photo-m { display:none; }
.hero-bdp .bdp-mobile { display:none; }   /* especificidade alta p/ vencer ".hero-bdp img" */

/* atalho "Preferências de cookies" sobrepunha o conteúdo no mobile — ocultar */
@media (max-width: 768px) {
  .ck-notice { display:none !important; }
}

/* ---- menu mobile + nova hero mobile (≤900px) ---- */
@media (max-width: 900px) {
  /* nav: hambúrguer à esquerda, logo, "Quero Poupar" à direita */
  .nav-burger { display:flex; }
  .nav-logo { margin-right:auto; margin-left:4px; gap:8px; min-width:0; }
  .nav-logo-txt { display:none; }   /* no telemóvel mostra só o logo, o texto fica largo demais */
  .nav-actions .btn-pill-ghost { display:none; }

  /* hero clara, sem fade, imagem bem visível */
  .hero2 { background:#fff; }
  .hero2::before, .hero2::after { display:none; }
  .hero2-visual { display:none; }            /* coluna direita vazia */
  .hero2-inner { display:block; }
  .hero2-text { display:flex; flex-direction:column; }
  .hero2-text h1 { color:#1A1A1A; order:1; }
  .hero2-photo-m { display:block; order:2; width:100%; height:240px; border-radius:20px; overflow:hidden; margin:20px 0 4px; box-shadow:0 16px 40px rgba(0,0,0,.16); }
  .hero2-photo-m img { width:100%; height:100%; object-fit:cover; object-position:32% 42%; transform:scale(2.2); transform-origin:32% 42%; }
  .hero-simcard { order:3; margin:20px 0 0; }
  .hero-bdp { order:4; align-self:center; margin-top:20px; }
  /* selo acompanha a hero clara: usa o banner mobile (legível em fundo branco) */
  .hero-bdp .bdp-desktop { display:none; }
  .hero-bdp .bdp-mobile { display:block; height:auto; width:335px; max-width:100%; }
}

/* ---- TELEMÓVEL & tablet pequeno (≤768px) ---- */
@media (max-width: 768px) {
  .sec { padding:54px 20px; }
  .sec-head { margin-bottom:34px; }
  .simsec { padding:54px 18px; }

  /* hero */
  .hero2 { padding:104px 18px 56px; }
  .hero-simcard { max-width:none; padding:22px; }
  .hero-bdp img { height:88px; }

  /* 3 passos */
  .steps { gap:30px; }
  .step-card { padding:14px 22px; gap:16px; border-radius:22px; }
  .step-ico { width:48px; height:48px; font-size:20px; }
  .step-txt { font-size:17px; }

  /* setores */
  .sectors { gap:26px; }
  .sector-photo { height:260px; border-radius:30px 10px 30px 10px; }
  .sector-card { padding:28px 22px; border-radius:24px; }
  .sector-card h3 { font-size:23px; }
  .sector-desc { font-size:15px; }

  /* newsletter */
  .nl { margin:40px 16px; padding:48px 22px; border-radius:30px; }

  /* footer */
  .footer2 { padding:88px 18px 0; border-radius:50% 50% 0 0 / 56px 56px 0 0; }
}

/* ---- modal do simulador em telemóvel (≤600px) ---- */
@media (max-width: 600px) {
  .sim-modal-box { width:96vw; margin:2vh auto; padding:22px 16px 20px; border-radius:18px; max-height:96vh; }
  .country-drop { width:100%; left:0; }
}

/* ---- telemóveis pequenos (≤480px) ---- */
@media (max-width: 480px) {
  .nav { padding:8px 10px 8px 16px; }
  .nav-logo img { height:34px; }
  .btn-pill { padding:10px 16px; font-size:13px; }
  .hero-types { grid-template-columns:1fr 1fr; gap:10px; }
  .hero-type { padding:16px 8px; }
  .hero-type-ico { font-size:26px; }
  .hero-type-t { font-size:13px; }
  .hero-type-d { font-size:11px; }
  .sec-head h2, .simsec-head h2, .nl h2 { font-size:26px; }
  .step-txt { font-size:16px; }
  .footer2-bar { padding:18px 20px; }
}