/* Swiss theme (HP22) — production bundle for Eleventy site */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}
img {
  max-width: 100%;
  display: block;
}
a {
  color: inherit;
  text-decoration: none;
}
html {
  scroll-behavior: smooth;
}
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}
:root {
  --bg: #f8f6f2;
  --white: #fff;
  --black: #111;
  --ink: #1c1c1c;
  --grey: #8a857d;
  --gold: #b49550;
  --gold2: #d4b06a;
  --sand: #ebe6dc;
  --sans: 'Manrope', system-ui, sans-serif;
}
body {
  font-family: var(--sans);
  background: var(--bg);
  color: var(--ink);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
body.is-nav-open {
  overflow: hidden;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ═══ NAV ═══ */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 200;
  padding: 1.2rem 0;
  background: rgba(248, 246, 242, 0.95);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
}
.nav__inner {
  position: relative;
  z-index: 210; /* acima do overlay mobile (.nav__panel 199) dentro do mesmo contexto da barra */
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  gap: 1.6rem;
}
.nav__logo {
  flex: 0 0 auto;
  display: flex;
  align-items: center;
  line-height: 0;
  text-decoration: none;
  color: inherit;
}
.nav__logo-stack {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.12rem;
  line-height: 1.15;
}
.nav__logo-img {
  height: 28px;
  width: auto;
  max-width: 100%;
  display: block;
  object-fit: contain;
  object-position: left center;
}
.nav__logo-tagline {
  font-size: 0.5625rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #6f6a62;
  white-space: nowrap;
}
.nav__r {
  display: flex;
  align-items: center;
  gap: 1.7rem;
  margin-left: auto;
}
.nav__item {
  position: relative;
  display: flex;
  align-items: center;
  min-height: 2.75rem;
}

/* Invisible strip below trigger — keeps :hover while moving to dropdown (no extra padding that misaligns the row). */
.nav__item--solutions::after {
  content: '';
  position: absolute;
  left: -0.35rem;
  right: -0.35rem;
  top: 100%;
  height: 14px;
  z-index: 215;
}
.nav__link {
  display: inline-flex;
  align-items: center;
  font-size: 0.92rem;
  font-weight: 600;
  line-height: 1.2;
  color: #5f5a52;
  transition: color 0.3s;
  min-height: 2.75rem;
  padding: 0 0.1rem;
}
.nav__item .nav__link {
  padding-right: 0.15rem;
  padding-left: 0.15rem;
}
.nav__link:hover {
  color: var(--ink);
}
.nav__link--current {
  color: var(--ink);
  box-shadow: inset 0 -3px 0 var(--gold);
}
.nav__link:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}
.nav__r .nav__link,
.nav__r .nav__item,
.nav__r .nav__cta {
  flex-shrink: 0;
}
.nav__cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 1.45rem;
  min-height: 2.75rem;
  background: var(--ink);
  color: var(--bg);
  font-weight: 700;
  font-size: 0.88rem;
  line-height: 1.2;
  border-radius: 999px;
  transition: all 0.3s;
  white-space: nowrap;
}
.nav__cta:hover {
  background: var(--gold);
  color: var(--white);
}
.nav__menu {
  display: none;
  align-items: center;
  justify-content: center;
  min-height: 2.75rem;
  min-width: 2.75rem;
  padding: 0;
  background: none;
  border: none;
  cursor: pointer;
}
.nav__menu svg {
  width: 22px;
  height: 22px;
  stroke: var(--ink);
  fill: none;
  stroke-width: 2;
}

.nav__dropdown {
  position: absolute;
  /* Aligned to bottom of .nav__item (after padding-bottom) — no empty gap that breaks :hover */
  top: 100%;
  left: -1rem;
  width: min(420px, 70vw);
  padding: 1.1rem 1rem;
  background: #f7f5f1;
  border: 1.5px solid rgba(0, 0, 0, 0.08);
  border-radius: 14px;
  box-shadow: 0 18px 44px rgba(0, 0, 0, 0.12);
  opacity: 0;
  transform: translateY(8px);
  visibility: hidden;
  pointer-events: none;
  transition: all 0.22s ease;
  z-index: 220;
}
.nav__item--solutions:hover .nav__dropdown,
.nav__item--solutions:focus-within .nav__dropdown,
.nav__item--solutions.is-open .nav__dropdown {
  opacity: 1;
  transform: translateY(0);
  visibility: visible;
  pointer-events: auto;
}
.nav__dropdown::before {
  content: '';
  position: absolute;
  top: -6px;
  left: 26px;
  width: 12px;
  height: 12px;
  background: #f7f5f1;
  border-left: 1.5px solid rgba(0, 0, 0, 0.08);
  border-top: 1.5px solid rgba(0, 0, 0, 0.08);
  transform: rotate(45deg);
  z-index: 1;
}
.dd-group + .dd-group {
  margin-top: 1.1rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(0, 0, 0, 0.1);
}
.dd-group__title {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin: 0 0 0.7rem;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
}
.dd-group__title::before {
  content: '';
  width: 6px;
  height: 6px;
  border: 1.5px solid var(--gold);
  border-radius: 50%;
}
.dd-list {
  display: grid;
  gap: 0.15rem;
}
.dd-list a {
  display: block;
  padding: 0.52rem 0.55rem;
  border-radius: 9px;
  font-size: 0.94rem;
  font-weight: 500;
  color: #666158;
  line-height: 1.45;
  transition: all 0.18s;
}
.dd-list a:hover,
.dd-list a:focus-visible {
  background: #eee8df;
  color: var(--ink);
  outline: none;
  padding-left: 0.8rem;
}

/* Mobile drawer — irmão do .nav em DOM; fixed ao viewport (dentro do .nav, backdrop-filter recortava o painel) */
.nav__panel {
  visibility: hidden;
  opacity: 0;
  transform: translateY(-12px);
  pointer-events: none;
  transition:
    opacity 0.25s ease,
    transform 0.25s ease,
    visibility 0.25s ease;

  position: fixed;
  inset: 0;
  z-index: 199; /* abaixo de .nav (200) para a barra ficar por cima */
  min-height: 100vh;
  min-height: 100dvh;
  padding: 5.2rem 1.5rem 2rem;
  background: rgba(248, 246, 242, 0.98);
  backdrop-filter: blur(16px);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  box-shadow: inset 0 1px 0 rgba(0, 0, 0, 0.06);
}
#site-nav.is-menu-open .nav__panel {
  visibility: visible;
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
#site-nav.is-menu-open .nav__menu {
  background: rgba(0, 0, 0, 0.06);
  border-radius: 10px;
}
.nav__menu svg {
  overflow: visible;
}
.nav__menu svg line {
  transition:
    transform 0.25s ease,
    opacity 0.2s ease;
  transform-box: fill-box;
  transform-origin: center;
}
#site-nav.is-menu-open .nav__menu svg line:nth-child(1) {
  transform: translateY(6px) rotate(45deg);
}
#site-nav.is-menu-open .nav__menu svg line:nth-child(2) {
  opacity: 0;
}
#site-nav.is-menu-open .nav__menu svg line:nth-child(3) {
  transform: translateY(-6px) rotate(-45deg);
}
.nav__panel a {
  display: block;
  padding: 0.85rem 0;
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
  font-weight: 600;
  font-size: 0.95rem;
  color: #5f5a52;
}
.nav__panel a:hover,
.nav__panel a:focus-visible {
  color: var(--ink);
}
.nav__panel a[aria-current='page'] {
  color: var(--ink);
  font-weight: 800;
}
.nav__panel .nav__panel-cta {
  margin-top: 1rem;
  text-align: center;
  padding: 0.75rem 1.5rem;
  background: var(--ink);
  color: var(--bg);
  border-radius: 999px;
  border: none;
}
.nav__panel-details {
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
  padding: 0.5rem 0;
}
.nav__panel-details summary {
  font-weight: 700;
  cursor: pointer;
  padding: 0.35rem 0;
  list-style: none;
}
.nav__panel-details summary::-webkit-details-marker {
  display: none;
}
.nav__panel-sub {
  padding: 0.35rem 0 0.5rem 0.75rem;
  display: grid;
  gap: 0.25rem;
}
.nav__panel-sub a {
  border: none;
  padding: 0.4rem 0;
  font-weight: 500;
  font-size: 0.9rem;
}

/* Barra: caber todos os itens entre tablet largo e desktop estreito (evita clipping com body overflow-x) */
@media (min-width: 769px) and (max-width: 1180px) {
  .nav__inner {
    gap: 0.75rem;
    padding-left: 1.25rem;
    padding-right: 1.25rem;
  }
  .nav__r {
    gap: 0.65rem;
  }
  .nav__link {
    font-size: 0.78rem;
    padding-left: 0.05rem;
    padding-right: 0.05rem;
  }
  .nav__item .nav__link {
    padding-left: 0.08rem;
    padding-right: 0.08rem;
  }
  .nav__cta {
    padding-left: 0.95rem;
    padding-right: 0.95rem;
    font-size: 0.76rem;
  }
  .nav__logo-img {
    height: 24px;
  }
  .nav__logo-tagline {
    font-size: 0.5rem;
    letter-spacing: 0.05em;
  }
}

/* ═══ HERO ═══ */
.hero {
  min-height: 100vh;
  min-height: 100dvh;
  display: grid;
  grid-template-columns: 1fr 1fr;
  padding-top: 4.2rem;
  position: relative;
  overflow: hidden;
}

.hero--page {
  min-height: auto;
  padding-top: 5rem;
  padding-bottom: 3rem;
}
.hero--page .hero__left {
  padding-bottom: 2rem;
}
.hero--page .hero__right {
  min-height: 320px;
}

.hero__left {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 2.7rem 0 4rem max(2rem, calc((100vw - 1200px) / 2 + 2rem));
}
.hero__tag {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.8rem;
}
.hero__tag svg {
  width: 14px;
  height: 14px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 2;
}
.hero__h1 {
  font-size: clamp(2.5rem, 5.5vw, 4.8rem);
  line-height: 0.96;
  font-weight: 800;
  letter-spacing: -0.04em;
  margin-bottom: 1.5rem;
}
.hero__h1 span {
  display: block;
  color: var(--gold);
}
.hero__subtag {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.55;
  max-width: 440px;
  margin: -0.75rem 0 1.25rem;
}
.hero__p {
  font-size: 0.92rem;
  color: var(--grey);
  line-height: 1.8;
  max-width: 420px;
  margin-bottom: 2.5rem;
}
.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
}
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 2rem;
  font-weight: 700;
  font-size: 0.88rem;
  border-radius: 999px;
  transition: all 0.3s;
}
.btn svg {
  width: 15px;
  height: 15px;
  stroke: currentColor;
  fill: none;
  stroke-width: 2;
}
.btn--dark {
  background: var(--ink);
  color: var(--bg);
}
.btn--dark:hover {
  background: var(--gold);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.1);
}
.btn--outline {
  border: 1.5px solid var(--ink);
  color: var(--ink);
}
.btn--outline:hover {
  border-color: var(--gold);
  color: var(--gold);
}

/* Crédito Habitação — CTA verde contextual (destino: #simulador; alinhado ao pedido visual) */
.sec--ch-sim-cta {
  padding: 2.5rem 0 1rem;
  background: var(--sand);
}
.sec--ch-sim-cta--repeat {
  padding-top: 1.75rem;
}
.btn--ch-sim {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 1rem 2.25rem;
  font-weight: 800;
  font-size: 0.95rem;
  line-height: 1.2;
  color: #fff;
  background: #159b6c;
  border: none;
  border-radius: 12px;
  box-shadow: 0 4px 0 rgba(10, 80, 55, 0.35);
  transition:
    background 0.25s,
    transform 0.2s,
    box-shadow 0.25s;
}
.btn--ch-sim:hover {
  background: #12805a;
  transform: translateY(-2px);
  box-shadow: 0 6px 0 rgba(10, 80, 55, 0.28);
}
.btn--ch-sim:focus-visible {
  outline: 3px solid rgba(21, 155, 108, 0.45);
  outline-offset: 3px;
}

.sec--ch-purposes .sec-p--lead {
  margin-top: 0.5rem;
  color: var(--ink);
}

.hero__right {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem;
}
.hero__composition {
  position: relative;
  width: 100%;
  max-width: 520px;
  aspect-ratio: 4 / 5;
}
.hero__comp-img {
  position: absolute;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(0, 0, 0, 0.1);
}
.hero__comp-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero__comp-img--1 {
  top: 0;
  left: 0;
  width: 65%;
  height: 60%;
  z-index: 2;
}
.hero__comp-img--2 {
  bottom: 0;
  right: 0;
  width: 55%;
  height: 50%;
  z-index: 1;
}
.hero__comp-badge {
  position: absolute;
  z-index: 5;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.7rem 1.1rem;
  background: var(--white);
  border-radius: 14px;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.08);
  font-size: 0.75rem;
  font-weight: 600;
}
.hero__comp-badge svg {
  width: 18px;
  height: 18px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.5;
}
.hero__comp-badge--1 {
  bottom: 42%;
  right: 5%;
}
.hero__comp-badge--2 {
  top: 55%;
  left: -5%;
}

.hero__stat-strip {
  position: absolute;
  bottom: 3rem;
  left: 0;
  right: 0;
  z-index: 10;
}
.hero__stats {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  gap: 3rem;
  justify-content: flex-start;
  flex-wrap: wrap;
}
.hero__stat {
  display: flex;
  align-items: center;
  gap: 0.6rem;
}
.hero__stat-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--sand);
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero__stat-icon svg {
  width: 18px;
  height: 18px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.5;
}
.hero__stat-t {
  font-size: 0.7rem;
  color: var(--grey);
  line-height: 1.3;
}
.hero__stat-t strong {
  color: var(--ink);
  display: block;
  font-size: 0.82rem;
}

/* ═══ SECTIONS ═══ */
.sec {
  padding: 6rem 0;
}
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
}
.sec-h {
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 0.5rem;
}
.sec-p {
  color: var(--grey);
  font-size: 0.92rem;
  line-height: 1.7;
  max-width: 460px;
}
.sec-header {
  margin-bottom: 3.5rem;
}
.sec-header--c {
  text-align: center;
}
.sec-header--c .sec-p {
  margin: 0.4rem auto 0;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.2rem;
}
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.4rem;
}
.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.2rem;
}
@media (max-width: 900px) {
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 600px) {
  .grid-4 {
    grid-template-columns: 1fr;
  }
}
.scard {
  background: var(--white);
  border: 1.5px solid rgba(0, 0, 0, 0.05);
  border-radius: 20px;
  padding: 2rem;
  transition: all 0.3s;
  position: relative;
}
.scard::before {
  content: '';
  position: absolute;
  bottom: 0;
  left: 1.5rem;
  right: 1.5rem;
  height: 3px;
  background: var(--gold);
  border-radius: 0 0 20px 20px;
  transform: scaleX(0);
  transition: transform 0.3s;
  transform-origin: left;
}
.scard:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 48px rgba(0, 0, 0, 0.06);
  border-color: var(--gold);
}
.scard:hover::before {
  transform: scaleX(1);
}
.scard__icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--sand);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.2rem;
}
.scard__icon svg {
  width: 24px;
  height: 24px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.5;
}
.scard__t {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}
.scard__d {
  color: var(--grey);
  font-size: 0.82rem;
  line-height: 1.65;
}
.scard__cta {
  display: inline-block;
  margin-top: 0.85rem;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold);
  text-decoration: none;
}
.scard__cta:hover {
  text-decoration: underline;
  color: var(--ink);
}

.process {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.pstep {
  text-align: center;
}
.pstep__ring {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
}
.pstep__ring svg {
  width: 22px;
  height: 22px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.5;
}
.pstep__t {
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 0.3rem;
}
.pstep__d {
  color: var(--grey);
  font-size: 0.78rem;
  line-height: 1.6;
}
.pstep__ring .pstep__n {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  color: var(--gold);
}

/* Trust strip (landings) */
.trust-strip {
  background: var(--sand);
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
  padding: 0.65rem 0;
}
.trust-strip__p {
  margin: 0;
  font-size: 0.72rem;
  line-height: 1.5;
  color: var(--grey);
  text-align: center;
  max-width: 56rem;
  margin-left: auto;
  margin-right: auto;
}

/* Crédito Habitação — landing separator + hero + simulador */
.ch-separator {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.25rem;
  max-width: 28rem;
}
.ch-separator__line {
  height: 2px;
  border-radius: 2px;
  background: linear-gradient(to right, transparent, rgba(201, 162, 74, 0.85));
}
.ch-separator__line:last-of-type {
  background: linear-gradient(to left, transparent, rgba(201, 162, 74, 0.85));
}
.ch-separator__label {
  font-size: 0.65rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  white-space: normal;
  text-align: center;
  max-width: 14rem;
  line-height: 1.35;
}

.hero--ch-landing {
  align-items: start;
}
.hero--ch-landing .hero__left {
  padding-top: 2rem;
}
.hero__h1--ch {
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
}
.hero__right--ch {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding: 2rem max(2rem, calc((100vw - 1200px) / 2 + 2rem)) 2rem 2rem;
}
.sim-card {
  width: 100%;
  max-width: 400px;
  background: var(--white);
  border: 1.5px solid rgba(0, 0, 0, 0.08);
  border-radius: 20px;
  padding: 1.5rem 1.35rem 1.25rem;
  box-shadow: 0 20px 48px rgba(0, 0, 0, 0.07);
}
.sim-card--wizard {
  max-width: min(440px, 100%);
}
.sim-card--section {
  max-width: 34rem;
  margin-left: auto;
  margin-right: auto;
}
.sim-card__title {
  font-size: 1.05rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0 0 0.35rem;
}
.sim-card__title--c {
  text-align: center;
  font-size: clamp(1rem, 2.5vw, 1.2rem);
}
.sim-card__intro {
  font-size: 0.78rem;
  color: var(--grey);
  line-height: 1.5;
  margin: 0 0 1rem;
}
.sim-card__intro--c {
  text-align: center;
  max-width: 26rem;
  margin-left: auto;
  margin-right: auto;
}
.sec--sim {
  padding-top: 2.5rem;
  padding-bottom: 1rem;
}

/* Wizard — stepper (tema Swiss: ink ativo, areia inativo) */
.sim-wizard-form {
  display: block;
}
.sim-stepper {
  margin-bottom: 1rem;
}
.sim-stepper__row3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
}
.sim-tab {
  font-family: inherit;
  font-size: 0.58rem;
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: 0.02em;
  text-align: center;
  padding: 0.55rem 0.35rem;
  min-height: 2.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border: none;
  cursor: pointer;
  background: var(--sand);
  color: #6b6560;
  transition:
    background 0.2s,
    color 0.2s;
}
.sim-tab:hover {
  color: var(--ink);
  background: #e3ddd4;
}
.sim-tab.is-active {
  background: var(--ink);
  color: var(--white);
}
.sim-tab.is-done:not(.is-active) {
  background: #e8e4dc;
  color: var(--ink);
  box-shadow: inset 0 -2px 0 var(--gold);
}
.sim-tab:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
  z-index: 1;
}
.sim-tab--full {
  width: 100%;
  margin-top: 2px;
  min-height: 2.5rem;
  font-size: 0.62rem;
}

.sim-panels {
  padding-top: 0.35rem;
}
.sim-panel {
  display: grid;
  gap: 1rem;
}
.sim-panel[hidden] {
  display: none !important;
}

.sim-form,
.sim-wizard-form .sim-panel {
  display: grid;
  gap: 0.95rem;
}
.sim-field label {
  display: block;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--grey);
  margin-bottom: 0.35rem;
}
.sim-field input {
  width: 100%;
  box-sizing: border-box;
  padding: 0.7rem 0.8rem;
  border: 1.5px solid rgba(0, 0, 0, 0.1);
  border-radius: 10px;
  font-size: 0.9rem;
  font-family: inherit;
  background: var(--white);
  color: var(--ink);
}
.sim-field input::placeholder {
  color: #a8a29e;
}
.sim-field input:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
  border-color: rgba(180, 149, 80, 0.45);
}
.sim-field textarea {
  width: 100%;
  box-sizing: border-box;
  padding: 0.7rem 0.8rem;
  border: 1.5px solid rgba(0, 0, 0, 0.1);
  border-radius: 10px;
  font-size: 0.9rem;
  font-family: inherit;
  background: var(--white);
  color: var(--ink);
  resize: vertical;
  min-height: 6rem;
  line-height: 1.5;
}
.sim-field textarea::placeholder {
  color: #a8a29e;
}
.sim-field textarea:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
  border-color: rgba(180, 149, 80, 0.45);
}
.sim-select-wrap {
  position: relative;
}
.sim-select-wrap select {
  width: 100%;
  box-sizing: border-box;
  padding: 0.7rem 2.25rem 0.7rem 0.8rem;
  border: 1.5px solid rgba(0, 0, 0, 0.1);
  border-radius: 10px;
  font-size: 0.9rem;
  font-family: inherit;
  background-color: var(--white);
  color: var(--ink);
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%238a857d' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.65rem center;
}
.sim-select-wrap select:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
  border-color: rgba(180, 149, 80, 0.45);
}

.sim-nav-buttons {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.75rem;
  margin-top: 1.35rem;
}
.sim-nav-buttons__back {
  margin-right: auto;
}
.sim-nav-buttons .btn {
  min-height: 2.65rem;
  padding-left: 1.25rem;
  padding-right: 1.25rem;
}

.sim-consent {
  border: 0;
  margin: 0;
  padding: 0;
}
.sim-consent__legend {
  font-weight: 800;
  font-size: 0.82rem;
  margin-bottom: 0.85rem;
  padding: 0;
}
.sim-check {
  display: grid;
  grid-template-columns: 1.1rem 1fr;
  gap: 0.65rem;
  align-items: start;
  font-size: 0.72rem;
  line-height: 1.5;
  color: var(--ink);
  cursor: pointer;
  margin-bottom: 0.9rem;
}
.sim-check input {
  width: 1.05rem;
  height: 1.05rem;
  margin-top: 0.15rem;
  accent-color: var(--ink);
  cursor: pointer;
}
.sim-check--optional {
  color: var(--grey);
}
.sim-consent__privacy {
  font-size: 0.68rem;
  line-height: 1.5;
  color: var(--grey);
  margin: 0 0 0.9rem;
}
.sim-consent__privacy a {
  text-decoration: underline;
  text-underline-offset: 2px;
}
.sim-consent__privacy a:hover {
  color: var(--ink);
}

.sim-form__submit {
  width: 100%;
  justify-content: center;
  margin-top: 0.25rem;
}
.sim-disclaimer {
  font-size: 0.62rem;
  line-height: 1.45;
  color: var(--grey);
  margin: 1rem 0 0;
}

/* CH — subtítulo em escada + coluna com simulador de prestação + wizard */
.ch-stair-title {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  margin: 0.75rem 0 1.25rem;
  padding-left: 0.35rem;
  border-left: 3px solid var(--gold);
}
.ch-stair-title__l1 {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #5a6672;
}
.ch-stair-title__l2 {
  font-size: 0.85rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink);
  padding-left: 0.85rem;
}
.hero__ch-stack {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  width: 100%;
  align-items: stretch;
}
.hero__ch-stack--narrow {
  max-width: 400px;
  margin: 0 auto;
}
.sim-card--prestacao {
  max-width: min(440px, 100%);
}
.sim-prestacao__intro strong {
  color: var(--ink);
}
.sim-prestacao-form .sim-field label {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.35rem 0.5rem;
}
.sim-q {
  flex-shrink: 0;
  width: 1.35rem;
  height: 1.35rem;
  border-radius: 999px;
  border: 1.5px solid rgba(0, 0, 0, 0.12);
  background: var(--sand);
  color: var(--grey);
  font-size: 0.7rem;
  font-weight: 800;
  cursor: pointer;
  line-height: 1;
  padding: 0;
  font-family: inherit;
}
.sim-q:hover,
.sim-q:focus-visible {
  border-color: var(--gold);
  color: var(--ink);
  outline: none;
}
.sim-field-hint {
  font-size: 0.65rem;
  color: var(--grey);
  margin: 0.2rem 0 0;
  line-height: 1.4;
}
.sim-q-pop {
  width: 100%;
  margin: 0.35rem 0 0;
  padding: 0.5rem 0.65rem;
  font-size: 0.68rem;
  line-height: 1.45;
  color: var(--ink);
  background: #faf6f0;
  border: 1px solid rgba(180, 149, 80, 0.25);
  border-radius: 8px;
}
.btn--ch-calc-sim {
  width: 100%;
  justify-content: center;
  margin-top: 0.35rem;
  padding: 0.85rem 1.25rem;
  font-weight: 800;
  font-size: 0.88rem;
  color: #fff;
  background: #b91c1c;
  border: none;
  border-radius: 12px;
  cursor: pointer;
  box-shadow: 0 4px 0 rgba(90, 10, 10, 0.2);
  transition:
    background 0.2s,
    transform 0.15s;
  font-family: inherit;
}
.btn--ch-calc-sim:hover {
  background: #991b1b;
}
.btn--ch-calc-sim:focus-visible {
  outline: 3px solid rgba(185, 28, 28, 0.35);
  outline-offset: 2px;
}
.sim-prestacao-results {
  margin-top: 1rem;
  padding: 1rem 1rem 1.1rem;
  border-radius: 12px;
  background: #b91c1c;
  color: #fff;
  font-size: 0.78rem;
  line-height: 1.55;
}
.sim-prestacao-results__row {
  margin: 0 0 0.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
}
.sim-prestacao-results__row:last-child {
  margin-bottom: 0;
}
.sim-prestacao-results__row strong {
  font-size: 0.95rem;
  font-weight: 800;
}
.sim-prestacao-cta {
  margin-top: 1.15rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(0, 0, 0, 0.06);
  text-align: center;
}
.sim-prestacao-cta__p {
  font-size: 0.8rem;
  color: var(--grey);
  margin: 0 0 0.75rem;
  line-height: 1.5;
}
.sim-prestacao-cta__note {
  margin-top: 0.65rem;
  font-size: 0.68rem;
}
.btn--transfer-muted {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 1.5rem;
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--ink);
  background: #e8e6e1;
  border: 1.5px solid rgba(0, 0, 0, 0.12);
  border-radius: 12px;
  transition:
    background 0.2s,
    border-color 0.2s;
}
.btn--transfer-muted:hover {
  background: #ddd9d2;
  border-color: rgba(0, 0, 0, 0.18);
}
.btn--transfer-muted:focus-visible {
  outline: 3px solid rgba(180, 149, 80, 0.35);
  outline-offset: 2px;
}
.btn--block {
  width: 100%;
  justify-content: center;
}
.sim-card--transfer-teaser {
  max-width: min(440px, 100%);
}
.sec--tf-form .hero__ch-stack {
  align-items: center;
}
.hero--page .hero__p a {
  text-decoration: underline;
  text-underline-offset: 0.12em;
}

.hero__h1--tf {
  font-size: clamp(1.85rem, 4vw, 3rem);
}
.hero__p--tf-lead {
  font-size: clamp(0.95rem, 1.6vw, 1.05rem);
  line-height: 1.65;
}
.tf-editorial {
  max-width: 42rem;
  margin: 0 auto;
  display: grid;
  gap: 1.1rem;
  font-size: 0.92rem;
  line-height: 1.75;
  color: var(--ink);
}
.tf-editorial p {
  margin: 0;
}
.tf-form-lead {
  max-width: 38rem;
  margin-left: auto;
  margin-right: auto;
}
.sec--tf-vantagens {
  padding-top: 2.75rem;
}

/* Transferência — formulário + vantagens em duas colunas */
.tf-form-split {
  display: grid;
  gap: 2rem;
  align-items: start;
  max-width: 72rem;
  margin: 0 auto;
}
@media (min-width: 900px) {
  .tf-form-split {
    grid-template-columns: minmax(260px, 1fr) minmax(300px, 1.4fr);
    gap: 2.5rem;
  }
}
.tf-form-split__vant {
  position: sticky;
  top: 5.5rem;
}
.tf-form-split__vant-h {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 0.35rem;
}
.tf-form-split__vant-intro {
  font-size: 0.82rem;
  color: var(--grey);
  margin: 0 0 1rem;
  line-height: 1.5;
}
.vantagens--tf-sidebar {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.vantagem--compact {
  text-align: left;
  padding: 1rem 1.1rem;
  border-radius: 16px;
  background: var(--white);
  border: 1.5px solid rgba(0, 0, 0, 0.06);
  transition:
    border-color 0.2s,
    box-shadow 0.2s;
}
.vantagem--compact:hover {
  border-color: rgba(180, 149, 80, 0.35);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.05);
}
.vantagem--compact .vantagem__icon {
  width: 40px;
  height: 40px;
  margin: 0 0 0.65rem;
}
.vantagem--compact .vantagem__icon svg {
  width: 20px;
  height: 20px;
}
.vantagem--compact .vantagem__t {
  font-size: 0.88rem;
  margin-bottom: 0.25rem;
  text-align: left;
}
.vantagem--compact .vantagem__d {
  font-size: 0.72rem;
  text-align: left;
}
.tf-form-split__form .sim-card--tf-flat {
  max-width: none;
  width: 100%;
}
.tf-contact-form {
  display: flex;
  flex-direction: column;
  gap: 0.95rem;
}
.tf-fieldset-rate {
  border: 0;
  margin: 0;
  padding: 0;
}
.tf-fieldset-rate__legend {
  display: block;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--grey);
  margin-bottom: 0.45rem;
}
.tf-optional {
  font-weight: 600;
  text-transform: none;
  letter-spacing: 0;
  color: #9a9490;
}
.tf-req {
  color: #b91c1c;
  font-weight: 700;
}
.tf-check-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.5rem;
}
.tf-check {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.82rem;
  color: var(--ink);
  cursor: pointer;
}
.tf-check input {
  width: 1.05rem;
  height: 1.05rem;
  accent-color: var(--ink);
  cursor: pointer;
}
.tf-consent-block {
  margin-top: 0.25rem;
}
.tf-consent-block .sim-check span a {
  text-decoration: underline;
  text-underline-offset: 0.12em;
  color: var(--ink);
  font-weight: 600;
}
.btn--tf-submit {
  width: 100%;
  justify-content: center;
  margin-top: 0.35rem;
  padding: 1rem 1.5rem;
  font-weight: 800;
  font-size: 0.82rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #fff;
  background: #159b6c;
  border: none;
  border-radius: 12px;
  cursor: pointer;
  box-shadow: 0 4px 0 rgba(10, 80, 55, 0.3);
  transition:
    background 0.2s,
    transform 0.15s;
  font-family: inherit;
}
.btn--tf-submit:hover {
  background: #12805a;
}
.btn--tf-submit:focus-visible {
  outline: 3px solid rgba(21, 155, 108, 0.4);
  outline-offset: 3px;
}
.tf-contact-form__note {
  margin-top: 0.75rem;
  text-align: center;
  font-size: 0.68rem;
}
@media (max-width: 899px) {
  .tf-form-split__vant {
    position: static;
  }
}

/* Crédito Pessoal — herói e formulário */
.hero--cp {
  padding: 2.5rem 0 1.5rem;
}
.hero--cp .container {
  max-width: 48rem;
}
.cp-hero-inner {
  max-width: 40rem;
  margin: 0 auto;
}
.cp-hero__sub {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0.5rem 0 1rem;
}
.cp-hero__hook {
  font-size: 1.05rem;
  line-height: 1.6;
  margin-bottom: 1rem;
}
.cp-body {
  margin-top: 0.5rem;
}
.cp-body > p {
  font-size: 0.95rem;
  line-height: 1.7;
  color: var(--ink);
  margin: 0 0 1rem;
}
.cp-list {
  margin: 0 0 1.25rem;
  padding-left: 1.25rem;
  font-size: 0.92rem;
  line-height: 1.65;
  color: var(--ink);
}
.cp-list li {
  margin-bottom: 0.35rem;
}
.cp-body__note {
  margin: 0 0 1.25rem;
  text-align: left;
  font-size: 0.72rem;
}
.cp-hero__cta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 0.25rem;
}

.ch-separator--junte {
  margin-bottom: 1rem;
}
.hero--junte-hero .ch-separator--junte {
  max-width: 40rem;
}
.hero__p--junte-lead {
  font-size: 1.05rem;
  line-height: 1.65;
}
.junte-benefits {
  list-style: none;
  margin: 0 auto;
  padding: 0;
  max-width: 42rem;
  display: grid;
  gap: 0.85rem;
}
.junte-benefits li {
  padding: 1rem 1.15rem;
  background: var(--sand);
  border-radius: 14px;
  border: 1.5px solid rgba(0, 0, 0, 0.06);
  font-size: 0.9rem;
  line-height: 1.65;
  color: var(--ink);
}
.sec--junte-benefits {
  padding-block: 2.5rem;
}

/* Fale Connosco — início (vantagens + formulário) */
.sec--fale-connosco {
  padding-block: 2.75rem 3rem;
  background: var(--white);
}
.fale-connosco__header {
  margin-bottom: 2rem;
}
.fale-connosco__intro {
  max-width: 38rem;
  margin-left: auto;
  margin-right: auto;
}
.fale-connosco__grid {
  display: grid;
  gap: 2rem;
  align-items: start;
}
@media (min-width: 900px) {
  .fale-connosco__grid {
    grid-template-columns: minmax(260px, 1fr) minmax(300px, 1.15fr);
    gap: 2.5rem;
  }
}
.fale-connosco__vantagens-h {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 1rem;
}
.fale-connosco__vantagens-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.fale-connosco__vantagens-list li strong {
  display: block;
  font-size: 1rem;
  margin-bottom: 0.35rem;
  color: var(--ink);
}
.fale-connosco__vantagens-sub {
  margin: 0;
  font-size: 0.88rem;
  line-height: 1.6;
  color: rgba(0, 0, 0, 0.72);
}
.fale-connosco__form-wrap {
  min-width: 0;
}

/* Cartão Fale Connosco (barra superior + colunas) */
.fc-raf {
  background: var(--sand);
  border-radius: 14px;
  overflow: hidden;
  border: 1.5px solid rgba(0, 0, 0, 0.08);
  box-shadow: 0 16px 48px rgba(0, 0, 0, 0.07);
}
.fc-raf__head {
  background: #b71c1c;
  color: #fff;
  padding: 0.9rem 1.35rem;
}
.fc-raf__head-text {
  font-size: 0.95rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.fc-raf__body {
  display: grid;
  gap: 1.5rem;
  padding: 1.35rem 1.25rem 1.5rem;
}
@media (min-width: 720px) {
  .fc-raf__body {
    grid-template-columns: minmax(200px, 1fr) minmax(260px, 1.15fr);
    gap: 1.75rem;
    padding: 1.5rem 1.5rem 1.65rem;
    align-items: start;
  }
}
.fc-raf__kicker {
  font-size: 0.68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--grey);
  margin: 0 0 0.5rem;
}
.fc-raf__hook {
  margin: 0 0 0.85rem;
  font-size: 0.92rem;
  line-height: 1.6;
  color: var(--ink);
}
.fc-raf__hook strong {
  color: #9a1818;
  font-weight: 800;
}
.fc-raf__muted {
  margin: 0;
  font-size: 0.7rem;
  line-height: 1.55;
  color: var(--grey);
}
.fc-raf__form {
  display: grid;
  gap: 0.8rem;
}
.fc-raf__optional {
  font-weight: 600;
  color: var(--grey);
  text-transform: none;
  letter-spacing: 0;
  font-size: 0.65rem;
}
.fc-raf__consents {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  margin-top: 0.15rem;
}
.fc-raf__consents .sim-check {
  align-items: flex-start;
}
.fc-raf__consents .sim-check span {
  font-size: 0.78rem;
  line-height: 1.45;
}
.fc-raf__consents .sim-check span a {
  text-decoration: underline;
  text-underline-offset: 0.12em;
  color: #b71c1c;
  font-weight: 700;
}
.fc-raf__marketing {
  opacity: 0.98;
}
.fc-raf__submit {
  width: 100%;
  justify-content: center;
  margin-top: 0.25rem;
  padding: 0.95rem 1.25rem;
  font-weight: 800;
  font-size: 0.82rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: #fff;
  background: var(--ink);
  border: none;
  border-radius: 10px;
  cursor: pointer;
  font-family: inherit;
  transition: opacity 0.2s;
}
.fc-raf__submit:hover {
  opacity: 0.9;
}
.fc-raf__submit:focus-visible {
  outline: 3px solid rgba(183, 28, 28, 0.35);
  outline-offset: 3px;
}
.fc-raf__demo-note {
  display: block;
  margin-top: 0.35rem;
}

/* Crédito Habitação — documentação */
.ch-docs-list {
  margin: 0.65rem 0 0;
  padding-left: 1.15rem;
  font-size: 0.86rem;
  line-height: 1.55;
  color: var(--ink);
}
.ch-docs-list li {
  margin-bottom: 0.4rem;
}
.ch-docs-soon {
  font-weight: 700;
  color: var(--grey);
  font-size: 0.75em;
}

/* Artigos / guia do cliente */
.artigos-teaser-list {
  list-style: none;
  margin: 0 auto;
  padding: 0;
  max-width: 42rem;
  display: grid;
  gap: 1.25rem;
}
.artigos-teaser {
  padding: 1.35rem 1.45rem;
  border-radius: 14px;
  border: 1.5px solid rgba(0, 0, 0, 0.08);
  background: var(--sand);
  text-align: left;
}
.artigos-teaser__t {
  font-size: 1.05rem;
  margin: 0 0 0.5rem;
  color: var(--ink);
}
.artigos-teaser__d {
  margin: 0 0 0.65rem;
  font-size: 0.88rem;
  line-height: 1.6;
  color: rgba(0, 0, 0, 0.78);
}
.artigos-teaser__note {
  margin: 0;
  text-align: left;
}

/* Parceiros — grelha estática (ex.: ao lado do formulário de recrutamento) */
.partners-logo-grid {
  margin: 0;
}
.partners-logo-grid__label {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--grey);
  margin: 0 0 1rem;
}
.partners-logo-grid__inner {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  align-items: flex-start;
}
.partners-logo-grid__item {
  display: flex;
  align-items: center;
  justify-content: center;
}
.partners-logo-grid__item img {
  height: 36px;
  opacity: 0.55;
  filter: grayscale(1);
  transition:
    opacity 0.25s,
    filter 0.25s;
}
.partners-logo-grid__item img:hover {
  opacity: 1;
  filter: none;
}
.partners-logo-grid__item--text {
  min-width: auto;
}

/* Junte-se — candidatura + parceiros em duas colunas */
.sec--junte-recrutamento {
  padding-block: 2.5rem 3rem;
}
.junte-recrutamento__grid {
  display: grid;
  gap: 2rem;
  align-items: start;
}
@media (min-width: 900px) {
  .junte-recrutamento__grid {
    grid-template-columns: minmax(220px, 0.95fr) minmax(280px, 1.15fr);
    gap: 2.5rem;
  }
}
.recrutamento-form__fieldset {
  margin-top: 0.85rem;
}
.junte-recrutamento__form .sim-card--cp-form {
  max-width: none;
  margin: 0;
}

.sec--cp-form-wrap {
  padding-block: 2.5rem 3rem;
}
.sim-card--cp-form {
  max-width: 34rem;
  margin: 0 auto;
}
.cp-form__intro {
  margin-bottom: 1.1rem;
  font-size: 0.88rem;
  color: var(--ink);
  font-weight: 600;
}
.cp-radio-fieldset {
  border: 0;
  margin: 0;
  padding: 0;
}
.cp-radio-fieldset__legend {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--grey);
  margin-bottom: 0.5rem;
}
.cp-radio-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.75rem;
}
.cp-radio {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--ink);
  cursor: pointer;
}
.cp-radio input {
  width: 1.05rem;
  height: 1.05rem;
  accent-color: var(--ink);
  cursor: pointer;
}
.cp-form-row2 {
  display: grid;
  gap: 0.95rem;
}
@media (min-width: 560px) {
  .cp-form-row2 {
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
  }
}

.sec--ch-purposes .ch-purposes {
  list-style: none;
  margin: 0 auto;
  padding: 0;
  max-width: 40rem;
  text-align: left;
}
.sec--ch-purposes .ch-purposes li {
  position: relative;
  padding: 0.65rem 0 0.65rem 1.75rem;
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
  font-size: 0.92rem;
  line-height: 1.5;
}
.sec--ch-purposes .ch-purposes li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.85rem;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
  opacity: 0.85;
}

.human-touch {
  padding-top: 1rem;
}
.human-touch__lead {
  margin: 0 auto 1.8rem;
  max-width: 760px;
  color: var(--grey);
  font-size: 0.95rem;
  line-height: 1.7;
}
.human-touch__card {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 1.4rem;
  align-items: center;
  padding: 1.3rem;
  background: #f3efe8;
  border: 1.5px solid rgba(0, 0, 0, 0.08);
  border-radius: 22px;
}
.human-touch__media {
  border-radius: 14px;
  overflow: hidden;
}
.human-touch__media img {
  width: 100%;
  height: 100%;
  min-height: 250px;
  object-fit: cover;
}
.human-touch__content h3 {
  font-size: 1.8rem;
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin-bottom: 0.8rem;
}
.human-touch__content p {
  color: var(--grey);
  font-size: 0.9rem;
  line-height: 1.75;
  max-width: 420px;
  margin-bottom: 1.2rem;
}
.human-touch__btn {
  display: inline-flex;
  align-items: center;
  padding: 0.72rem 1.45rem;
  border-radius: 999px;
  background: var(--ink);
  color: var(--bg);
  font-weight: 700;
  font-size: 0.82rem;
  transition: all 0.3s;
}
.human-touch__btn:hover {
  background: var(--gold);
  color: var(--white);
}

.help-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.2rem;
}
.help-card {
  background: var(--white);
  border: 1.5px solid rgba(0, 0, 0, 0.06);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.04);
  transition: all 0.3s;
}
.help-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 44px rgba(0, 0, 0, 0.08);
  border-color: rgba(180, 149, 80, 0.35);
}
.help-card__img {
  height: 182px;
  overflow: hidden;
}
.help-card__img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.35s;
}
.help-card:hover .help-card__img img {
  transform: scale(1.03);
}
.help-card__body {
  padding: 1.15rem 1.15rem 1.2rem;
}
.help-card__t {
  font-size: 1.15rem;
  line-height: 1.2;
  letter-spacing: -0.01em;
  margin-bottom: 0.55rem;
}
.help-card__d {
  color: var(--grey);
  font-size: 0.86rem;
  line-height: 1.65;
  margin-bottom: 0.95rem;
}
.help-card__link {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--gold);
}

.split-visual {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.4rem;
  align-items: center;
}
.split-visual__media {
  border-radius: 18px;
  overflow: hidden;
  border: 1.5px solid rgba(0, 0, 0, 0.08);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.06);
}
.split-visual__media img {
  width: 100%;
  height: 100%;
  min-height: 260px;
  object-fit: cover;
}
.split-visual__box {
  padding: 1rem 1.1rem;
}
.split-visual__box h2 {
  font-size: clamp(1.9rem, 3.4vw, 2.9rem);
  line-height: 1.04;
  letter-spacing: -0.02em;
  margin-bottom: 0.7rem;
}
.split-visual__box p {
  color: var(--grey);
  font-size: 0.92rem;
  line-height: 1.75;
  max-width: 460px;
}
.split-visual__cta {
  margin-top: 1.1rem;
  display: inline-flex;
  align-items: center;
  padding: 0.72rem 1.4rem;
  border-radius: 999px;
  border: 1.5px solid rgba(0, 0, 0, 0.14);
  font-weight: 700;
  font-size: 0.82rem;
  transition: all 0.3s;
}
.split-visual__cta:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.lenders {
  padding: 2.8rem 0;
  border-top: 1.5px solid rgba(0, 0, 0, 0.05);
  background: var(--white);
  overflow: hidden;
}
.lenders__inner {
  display: grid;
  gap: 1.1rem;
}
.lenders__label {
  font-size: 0.65rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #5a6672;
  font-weight: 700;
  text-align: center;
}
.lenders__marquee {
  overflow: hidden;
  width: 100vw;
  position: relative;
  left: 50%;
  right: 50%;
  margin-left: -50vw;
  margin-right: -50vw;
  padding: 0.2rem 0;
}
.lenders__track {
  display: flex;
  align-items: center;
  gap: 2.4rem;
  width: max-content;
  animation: lenders-slide-right 32s linear infinite;
  padding: 0 1rem;
}
.lenders__item {
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 170px;
}
.lenders__item img {
  height: 40px;
  opacity: 0.5;
  filter: grayscale(1);
  transition: all 0.3s;
}
.lenders__item img:hover {
  opacity: 1;
  filter: none;
  transform: scale(1.04);
}
.lenders__item--text {
  min-width: auto;
  padding: 0 0.35rem;
}
.lenders__textmark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 40px;
  padding: 0.45rem 1.1rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: #6a625a;
  background: rgba(255, 255, 255, 0.9);
  border: 1.5px solid rgba(0, 0, 0, 0.08);
  border-radius: 10px;
  white-space: nowrap;
  transition:
    color 0.25s,
    border-color 0.25s,
    box-shadow 0.25s;
}
.lenders__item--text:hover .lenders__textmark {
  color: var(--ink);
  border-color: rgba(180, 149, 80, 0.45);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.06);
}
@keyframes lenders-slide-right {
  from {
    transform: translateX(-50%);
  }
  to {
    transform: translateX(0);
  }
}
@media (prefers-reduced-motion: reduce) {
  .lenders__track {
    animation: none;
    flex-wrap: wrap;
    justify-content: center;
    width: 100%;
    max-width: 56rem;
    margin: 0 auto;
    row-gap: 1rem;
    column-gap: 1.5rem;
  }
}

/* Crédito Habitação — parceiros com setas (viewport deslizante) */
.partners-slider-sec {
  padding: 2rem 0 2.25rem;
  background: var(--white);
  border-bottom: 1.5px solid rgba(0, 0, 0, 0.05);
}
.partners-slider-sec__note {
  margin: 1rem auto 0;
  max-width: 40rem;
  text-align: center;
  font-size: 0.78rem;
}
.partners-slider {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  max-width: 56rem;
  margin: 0 auto;
}
.partners-slider__btn {
  flex-shrink: 0;
  width: 2.25rem;
  height: 2.25rem;
  border-radius: 999px;
  border: 1.5px solid rgba(0, 0, 0, 0.1);
  background: var(--white);
  color: #5a6672;
  font-size: 1.35rem;
  line-height: 1;
  font-weight: 600;
  cursor: pointer;
  transition:
    color 0.2s,
    border-color 0.2s,
    background 0.2s;
}
.partners-slider__btn:hover {
  color: var(--ink);
  border-color: rgba(180, 149, 80, 0.45);
}
.partners-slider__btn:focus-visible {
  outline: 3px solid rgba(180, 149, 80, 0.35);
  outline-offset: 2px;
}
.partners-slider__viewport {
  flex: 1;
  min-width: 0;
  overflow-x: auto;
  overflow-y: hidden;
  scroll-snap-type: x mandatory;
  scrollbar-width: thin;
  -webkit-overflow-scrolling: touch;
}
.partners-slider__track {
  display: flex;
  align-items: stretch;
  gap: 1rem;
  padding: 0.35rem 0.25rem 0.5rem;
  list-style: none;
  width: max-content;
}
.partners-slider__item {
  flex: 0 0 auto;
  scroll-snap-align: start;
}
.sec--ch-argumentos .ch-argumentos__lead {
  max-width: 40rem;
  margin-left: auto;
  margin-right: auto;
}

/* FAQ (acordeão) — Crédito Habitação */
.sec--ch-faq {
  padding-bottom: 3.5rem;
}
.ch-faq.faq {
  max-width: 48rem;
  margin: 0 auto;
}
.ch-faq.faq details {
  border: 1px solid rgba(0, 0, 0, 0.08);
  border-radius: 14px;
  margin-bottom: 0.65rem;
  background: var(--white);
  overflow: hidden;
}
.ch-faq.faq summary {
  padding: 1rem 1.15rem;
  font-weight: 700;
  font-size: 0.92rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.ch-faq.faq summary::-webkit-details-marker {
  display: none;
}
.ch-faq.faq summary::after {
  content: '+';
  font-size: 1.25rem;
  font-weight: 500;
  line-height: 1;
  color: var(--gold);
  flex-shrink: 0;
}
.ch-faq.faq details[open] summary::after {
  content: '−';
}
.ch-faq.faq .faq__body {
  padding: 0 1.15rem 1rem;
  color: var(--grey);
  font-size: 0.88rem;
  line-height: 1.65;
}
.ch-faq.faq .faq__body p {
  margin: 0;
}
@media (max-width: 640px) {
  .partners-slider__btn {
    display: none;
  }
  .partners-slider__viewport {
    margin-inline: -0.25rem;
  }
}

.cta-sec {
  padding: 6rem 0;
  background: var(--ink);
  color: var(--bg);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-sec::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  border: 1px solid rgba(180, 149, 80, 0.08);
  pointer-events: none;
}
.cta-sec .sec-h {
  color: var(--gold2);
}
.cta-sec .sec-p {
  color: rgba(248, 246, 242, 0.5);
  margin: 0 auto;
}
.btn--gold {
  background: var(--gold);
  color: var(--white);
}
.btn--gold:hover {
  background: var(--gold2);
  transform: translateY(-2px);
  box-shadow: 0 12px 40px rgba(180, 149, 80, 0.25);
}
.btn--solicitar-contacto {
  width: 100%;
  justify-content: center;
  margin-top: 0.35rem;
  padding: 1rem 1.5rem;
  font-weight: 800;
  font-size: 0.8rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border: none;
  cursor: pointer;
  font-family: inherit;
  box-shadow: 0 4px 0 rgba(120, 90, 30, 0.25);
}
.btn--solicitar-contacto:focus-visible {
  outline: 3px solid rgba(180, 149, 80, 0.45);
  outline-offset: 3px;
}

.footer {
  padding: 3rem 0 1.5rem;
  border-top: 1.5px solid rgba(0, 0, 0, 0.05);
  font-size: 0.7rem;
  color: var(--grey);
  line-height: 1.7;
}
.footer__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
}
.footer p {
  margin-bottom: 0.4rem;
}
.footer__links {
  margin-top: 1rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
}
.footer__links a {
  text-decoration: underline;
  text-underline-offset: 0.15em;
  color: var(--gold);
}
.footer__ral {
  margin-top: 1rem;
  font-size: 0.68rem;
  line-height: 1.65;
  color: var(--grey);
}
.footer__ral a {
  text-decoration: underline;
  text-underline-offset: 0.15em;
  color: var(--gold);
}
.footer__ral-note {
  display: block;
  margin-top: 0.35rem;
  font-size: 0.65rem;
}
.footer__bottom {
  margin-top: 1.5rem;
  padding-top: 1rem;
  border-top: 1.5px solid rgba(0, 0, 0, 0.05);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.5rem;
}

/* Sobre Nós — MVV + vantagens */
.mvv-card {
  background: var(--white);
  border: 1.5px solid rgba(0, 0, 0, 0.06);
  border-radius: 20px;
  padding: 2rem;
  height: 100%;
}
.mvv-card h3 {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.mvv-card p {
  color: var(--grey);
  font-size: 0.9rem;
  line-height: 1.75;
  margin: 0;
}

.vantagens {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}
.vantagem {
  background: var(--white);
  border: 1.5px solid rgba(0, 0, 0, 0.06);
  border-radius: 18px;
  padding: 1.5rem 1.25rem;
  text-align: center;
  transition: all 0.25s;
}
.vantagem:hover {
  border-color: var(--gold);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.06);
}
.vantagem__icon {
  width: 48px;
  height: 48px;
  margin: 0 auto 1rem;
  border-radius: 14px;
  background: var(--sand);
  display: flex;
  align-items: center;
  justify-content: center;
}
.vantagem__icon svg {
  width: 24px;
  height: 24px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.5;
}
.vantagem__t {
  font-weight: 800;
  font-size: 0.95rem;
  margin-bottom: 0.35rem;
  letter-spacing: -0.02em;
}
.vantagem__d {
  font-size: 0.78rem;
  color: var(--grey);
  line-height: 1.55;
  margin: 0;
}

/* Sobre Nós + Crédito Habitação — vantagens em formato “botão” / cartão destacado */
.sec--sobre-vantagens .vantagem,
.sec--ch-vantagens .vantagem {
  border-radius: 999px;
  padding: 1.35rem 1.35rem 1.45rem;
  border: 2px solid rgba(180, 149, 80, 0.3);
  background: linear-gradient(165deg, var(--white) 0%, #faf8f5 100%);
  box-shadow: 0 5px 0 rgba(28, 28, 28, 0.05);
}
.sec--sobre-vantagens .vantagem:hover,
.sec--ch-vantagens .vantagem:hover {
  border-color: var(--gold);
  box-shadow: 0 7px 0 rgba(180, 149, 80, 0.12);
  transform: translateY(-2px);
}
.sec--sobre-vantagens .vantagem--title-only .vantagem__t {
  margin-bottom: 0;
}
@media (max-width: 900px) {
  .sec--sobre-vantagens .vantagem,
  .sec--ch-vantagens .vantagem {
    border-radius: 22px;
    padding: 1.35rem 1.25rem;
  }
}

.compliance-note {
  font-size: 0.68rem;
  color: var(--grey);
  margin-top: 1rem;
  max-width: 52rem;
}

@media (max-width: 900px) {
  .hero {
    grid-template-columns: 1fr;
    min-height: auto;
  }
  .hero--ch-landing .hero__right--ch {
    padding: 0 2rem 1.5rem;
    min-height: 0;
  }
  .hero__left {
    padding: 5.2rem 2rem 2rem;
  }
  .hero__right {
    height: auto;
    min-height: 400px;
  }
  .hero__composition {
    max-width: 360px;
    margin: 0 auto;
  }
  .hero__stat-strip {
    position: static;
    margin-top: 1rem;
  }
  .hero__stats {
    flex-wrap: wrap;
    gap: 1.5rem;
  }
  .grid-2 {
    grid-template-columns: 1fr;
  }
  .vantagens {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 520px) {
  .sim-stepper__row3 {
    grid-template-columns: 1fr;
  }
  .sim-tab {
    min-height: 2.4rem;
    font-size: 0.62rem;
  }
}

@media (max-width: 768px) {
  /* Barra: logo + CTA + menu — evitar overflow em viewports estreitos */
  .nav {
    padding-block: 0.75rem;
  }
  .nav__inner {
    gap: 0.45rem;
    padding-left: max(0.75rem, env(safe-area-inset-left));
    padding-right: max(0.75rem, env(safe-area-inset-right));
  }
  .nav__logo {
    flex: 1 1 0;
    min-width: 0;
  }
  .nav__logo-img {
    height: auto;
    max-height: 26px;
    width: auto;
    max-width: 100%;
    object-fit: contain;
    object-position: left center;
  }
  .nav__logo-tagline {
    font-size: 0.5rem;
    letter-spacing: 0.05em;
  }
  .nav__r {
    flex-shrink: 0;
    gap: 0.35rem;
    margin-left: 0;
  }
  .nav__cta {
    padding: 0 0.7rem;
    min-height: 2.5rem;
    font-size: 0.72rem;
  }
  .nav__menu {
    display: inline-flex;
    min-width: 2.5rem;
    min-height: 2.5rem;
    flex-shrink: 0;
  }
  .nav__link,
  .nav__r > :not(.nav__cta):not(.nav__menu) {
    display: none;
  }
  .grid-3 {
    grid-template-columns: 1fr;
  }
  .process {
    grid-template-columns: 1fr 1fr;
  }
  .human-touch__card {
    grid-template-columns: 1fr;
  }
  .help-grid {
    grid-template-columns: 1fr;
  }
  .split-visual {
    grid-template-columns: 1fr;
  }
  .split-visual__box {
    padding: 0.4rem 0;
  }
  .hero__comp-badge {
    display: none;
  }
  .vantagens {
    grid-template-columns: 1fr;
  }
}