/* CSS Reset & Variables */
:root {
    --primary-blue: #1A2857;
    --primary-blue-dark: #0a1128;
    --primary-blue-light: #2c418a;
    --primary-yellow: #FFDE00;
    --primary-yellow-hover: #e6c800;
    --accent-color: #3b82f6;
    
    --text-main: #1f2937;
    --text-muted: #4b5563;
    --text-light: #9ca3af;
    
    --bg-body: #ffffff;
    --bg-section: #f9fafb;
    --bg-dark: #0f172a;
    
    --font-main: 'Inter', system-ui, -apple-system, sans-serif;
    
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --border-radius: 12px;
    --border-radius-sm: 8px;
    
    --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.1);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-main);
    color: var(--text-main);
    background-color: var(--bg-body);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

ul, ol {
    list-style: none;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

/* Containers */
.container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 2rem;
}

@media (max-width: 768px) {
    .container { padding: 0 1.5rem; }
}

/* Typography */
h1, h2, h3, h4, h5 {
    line-height: 1.3;
    color: var(--primary-blue-dark);
    letter-spacing: -0.01em;
}

.section-title {
    font-size: 2.75rem;
    font-weight: 900;
    text-align: center;
    margin-bottom: 1.5rem;
    letter-spacing: -0.03em;
    background: linear-gradient(135deg, var(--primary-blue-dark), var(--primary-blue-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.section-subtitle {
    text-align: center;
    color: var(--text-muted);
    max-width: 750px;
    margin: 0 auto 4rem;
    font-size: 1.125rem;
    font-weight: 400;
}

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

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 1rem 2rem;
    font-weight: 700;
    border-radius: var(--border-radius-sm);
    cursor: pointer;
    border: none;
    transition: var(--transition);
    font-size: 0.95rem;
    gap: 0.6rem;
    text-transform: uppercase;
    letter-spacing: 0.02em;
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-light));
    color: white;
    box-shadow: 0 4px 15px rgba(26, 40, 87, 0.2);
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(26, 40, 87, 0.3);
}

.btn-yellow {
    background: linear-gradient(135deg, var(--primary-yellow), #ffe533);
    color: var(--primary-blue-dark);
    box-shadow: 0 4px 15px rgba(255, 222, 0, 0.2);
}

.btn-yellow:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(255, 222, 0, 0.3);
}

/* Header */
.header {
    background-color: rgba(255, 255, 255, 0.97);
    backdrop-filter: blur(12px);
    padding: 0.55rem 0;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    border-bottom: 1px solid rgba(0, 0, 0, 0.06);
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.04);
}

.header-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo-img {
    height: auto;
    width: 250px;
    transition: var(--transition);
}

.logo:hover .logo-img {
    transform: scale(1.03);
}

.mobile-menu-btn {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    z-index: 1102;
    width: 44px;
    height: 44px;
    border-radius: 10px;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 5px;
    padding: 8px;
    transition: all 0.3s ease;
    flex-shrink: 0;
}

.mobile-menu-btn:hover {
    background: rgba(26, 40, 87, 0.06);
}

.hamburger-bar {
    display: block;
    width: 22px;
    height: 2.5px;
    background: var(--primary-blue-dark);
    border-radius: 4px;
    transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    transform-origin: center;
}

/* Hamburger → X animation */
.mobile-menu-btn.is-open .hamburger-bar:nth-child(1) {
    transform: translateY(7.5px) rotate(45deg);
    background: white;
}
.mobile-menu-btn.is-open .hamburger-bar:nth-child(2) {
    opacity: 0;
    transform: scaleX(0);
}
.mobile-menu-btn.is-open .hamburger-bar:nth-child(3) {
    transform: translateY(-7.5px) rotate(-45deg);
    background: white;
}

/* Mobile Nav Overlay */
.mobile-nav-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(10, 17, 40, 0.55);
    backdrop-filter: blur(4px);
    z-index: 1099;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.35s ease, visibility 0.35s ease;
}

.mobile-nav-overlay.visible {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
}

.nav ul {
    display: flex;
    gap: 2rem;
}

.nav a {
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--text-main);
    text-transform: uppercase;
    letter-spacing: 0.07em;
    position: relative;
    padding: 0.4rem 0;
}

.nav a:after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    width: 0;
    height: 2px;
    background-color: var(--primary-yellow);
    transition: var(--transition);
    transform: translateX(-50%);
}

/* Hide Mobile CTA on Desktop */
.nav-mobile-cta {
    display: none;
}

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

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

/* Megamenu */
.megamenu-wrapper {
    /* Sem position relative para o megamenu poder se centralizar na tela */
}

.megamenu {
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%) translateY(12px);
    background: white;
    width: 960px;
    max-width: 95vw;
    box-shadow: 0 16px 48px rgba(0, 0, 0, 0.12);
    border-radius: 16px;
    padding: 1.8rem 2rem;
    opacity: 0;
    visibility: hidden;
    transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
    border: 1px solid rgba(0, 0, 0, 0.06);
    z-index: 1001;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.8rem;
}

.dropdown:hover .megamenu {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(0);
}

.megamenu-column h4 {
    color: var(--primary-blue-dark);
    font-size: 0.72rem;
    font-weight: 800;
    margin-bottom: 0.9rem;
    padding-bottom: 0.55rem;
    border-bottom: 1.5px solid #f0f1f3;
    text-transform: uppercase;
    letter-spacing: 0.1em;
}

.megamenu-column ul {
    display: flex;
    flex-direction: column;
    gap: 0.15rem;
}

.megamenu-column a {
    padding: 0.32rem 0;
    display: inline-block;
    font-size: 0.8rem;
    color: var(--text-muted);
    font-weight: 500;
    text-transform: none;
    letter-spacing: 0.01em;
    line-height: 1.4;
    transition: all 0.2s ease;
    position: relative;
}

.megamenu-column a:after {
    display: none;
}

.megamenu-column a:hover {
    color: var(--primary-blue);
    transform: translateX(4px);
}

.dropdown i {
    font-size: 0.65rem;
    margin-left: 0.25rem;
}

/* Simple Dropdown (Used for Crédito) */
.simple-dropdown {
    position: relative;
}

.simple-dropdown .dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: white;
    min-width: 240px;
    box-shadow: 0 8px 28px rgba(0, 0, 0, 0.09);
    border-radius: 12px;
    padding: 0.6rem 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    border: 1px solid rgba(0, 0, 0, 0.05);
    z-index: 1001;
    list-style: none;
    flex-direction: column;
    gap: 0;
}

.simple-dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.simple-dropdown .dropdown-menu li {
    border-bottom: none;
}

.simple-dropdown .dropdown-menu a {
    padding: 0.65rem 1.25rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.75rem;
    color: var(--text-main);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.07em;
    transition: all 0.2s ease;
}

.simple-dropdown .dropdown-menu a i {
    font-size: 0.55rem;
    color: var(--text-light);
}

.simple-dropdown .dropdown-menu a:hover {
    background-color: rgba(26, 40, 87, 0.04);
    color: var(--primary-blue);
}

.simple-dropdown .dropdown-menu a:after {
    display: none;
}

/* Hero Section */
.hero {
    padding-top: 130px;
    position: relative;
    min-height: 750px;
    display: flex;
    align-items: center;
    background-color: #f0f2f5;
}

.hero-slider {
    position: absolute;
    inset: 0;
    z-index: 1;
}

.slide {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    opacity: 0;
    transition: opacity 1.2s ease-in-out;
}

.slide.active { opacity: 1; }

.slide:after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(10, 17, 40, 0.95) 0%, rgba(10, 17, 40, 0.6) 50%, rgba(0, 0, 0, 0.1) 100%);
}

.hero-container {
    position: relative;
    z-index: 10;
    width: 100%;
    display: flex;
    gap: 4rem;
    align-items: center;
}

.hero-form-spacer {
    flex: 1;
}

.slide-inner {
    height: 100%;
    display: flex;
    align-items: center;
    position: relative;
    z-index: 2;
}

.slide-text {
    max-width: 600px;
    color: white;
    text-shadow: 0 4px 20px rgba(0, 0, 0, 0.4);
    opacity: 0;
    transform: translateY(30px);
    transition: all 0.8s cubic-bezier(0.4, 0, 0.2, 1) 0.3s;
}

.slide.active .slide-text {
    opacity: 1;
    transform: translateY(0);
}

.slide-text h2 {
    font-size: 3.5rem;
    font-weight: 900;
    margin-bottom: 1.5rem;
    color: white;
    letter-spacing: -0.02em;
    line-height: 1.2;
    background: none;
    -webkit-text-fill-color: white;
}

.slide-text p {
    font-size: 1.25rem;
    font-weight: 500;
    opacity: 0.9;
}

.hero-form-wrapper {
    max-width: 480px;
    background: white;
    padding: 3.5rem;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.15);
    border: 1px solid rgba(0, 0, 0, 0.03);
}

.hero-form-box h2 {
    font-size: 2rem;
    font-weight: 900;
    margin-bottom: 0.75rem;
    color: var(--primary-blue-dark);
    letter-spacing: -0.03em;
}

.hero-form-box p {
    color: var(--text-muted);
    margin-bottom: 2.5rem;
    font-size: 1.05rem;
}

.form-group { margin-bottom: 1.5rem; }

.form-group input {
    width: 100%;
    padding: 1.125rem;
    border: 2px solid #f3f4f6;
    border-radius: var(--border-radius-sm);
    font-family: inherit;
    font-size: 1rem;
    transition: var(--transition);
    background: #f9fafb;
}

.form-group input:focus {
    outline: none;
    border-color: var(--primary-blue);
    background: white;
    box-shadow: 0 0 0 4px rgba(26, 40, 87, 0.08);
}

/* Categories Section */
.categories-section {
    padding: 8rem 0;
    background: white;
}

/* Carousel */
.carousel-container {
    position: relative;
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 0 1rem;
}

.carousel-track-wrapper {
    overflow: hidden;
    flex: 1;
}

.carousel-track {
    display: flex;
    transition: transform 0.4s ease-in-out;
    gap: 2.5rem;
}

.carousel-control {
    background: white;
    color: var(--primary-blue);
    border: none;
    width: 50px;
    height: 50px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    cursor: pointer;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    z-index: 10;
    flex-shrink: 0;
}

.carousel-control:hover {
    background: var(--primary-yellow);
    color: var(--primary-blue-dark);
    transform: scale(1.1);
}

.carousel-control:disabled {
    opacity: 0.3;
    cursor: not-allowed;
    transform: none;
    background: white;
    color: var(--text-light);
}

.category-item {
    text-align: center;
    transition: var(--transition);
    padding: 2rem;
    border-radius: 24px;
    border: 1px solid transparent;
    flex: 0 0 calc((100% - (4 * 2.5rem)) / 5);
}

@media (max-width: 1024px) {
    .category-item {
        flex: 0 0 calc((100% - (2 * 2.5rem)) / 3);
    }
}

@media (max-width: 768px) {
    .category-item {
        flex: 0 0 calc((100% - 2.5rem) / 2);
    }
    .carousel-control {
        width: 40px;
        height: 40px;
        font-size: 1.2rem;
    }
}

@media (max-width: 480px) {
    .category-item {
        flex: 0 0 100%;
    }
}

.category-item:hover {
    background-color: var(--bg-section);
    transform: translateY(-10px);
    border-color: #f3f4f6;
    box-shadow: var(--shadow-lg);
}

.category-img {
    width: 100%;
    aspect-ratio: 1/1;
    background-size: cover;
    background-position: center;
    border-radius: 50%;
    margin-bottom: 1.5rem;
    box-shadow: var(--shadow-md);
    border: 4px solid white;
}

.category-item span {
    font-weight: 800;
    color: var(--primary-blue-dark);
    font-size: 1.15rem;
    display: block;
}

/* Simulation Section */
.simulation-section {
    padding: 10rem 0;
    background-color: var(--primary-yellow);
}

.simulation-section .section-title {
    background: linear-gradient(135deg, var(--primary-blue-dark), #1e293b);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 3rem;
}

.sim-card {
    background: white;
    border-radius: 24px;
    overflow: hidden;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.08);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
}

.sim-card:hover {
    transform: translateY(-15px);
    box-shadow: 0 30px 60px rgba(0, 0, 0, 0.12);
}

.card-img {
    height: 250px;
    background-size: cover;
    background-position: center;
}

.card-content {
    padding: 3rem;
    display: flex;
    flex-direction: column;
    flex: 1;
}

.card-content h4 {
    font-size: 1.75rem;
    margin-bottom: 1rem;
    font-weight: 900;
}

.card-content p {
    color: var(--text-muted);
    margin-bottom: 2.5rem;
    font-size: 1rem;
    flex: 1;
}

.btn-link {
    font-weight: 700;
    color: var(--primary-blue);
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.btn-link i {
    transition: var(--transition);
}

.btn-link:hover i {
    transform: translateX(5px);
}

/* Invest Section */
.invest-section {
    padding: 0;
    background: white;
}

.invest-container {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    min-height: 700px;
}

.invest-image {
    background-size: cover;
    background-position: center;
    height: 100%;
}

.invest-text {
    padding: 8rem;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.invest-text h2 {
    font-size: 3.5rem;
    font-weight: 900;
    margin-bottom: 2.5rem;
    letter-spacing: -0.04em;
}

.invest-text p {
    font-size: 1.25rem;
    color: var(--text-muted);
    margin-bottom: 2rem;
    line-height: 1.8;
}

/* Info Section */
.info-section {
    background-color: var(--primary-blue-dark);
    padding: 10rem 0;
    color: white;
}

.info-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8rem;
}

.info-section .section-title {
    background: none;
    -webkit-background-clip: initial;
    -webkit-text-fill-color: white;
    text-align: left;
    margin-bottom: 1rem;
}

.faq-subtitle {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 3rem;
}

.steps-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    margin-top: 3rem;
}

.step-card {
    background: rgba(255, 255, 255, 0.03);
    padding: 3rem;
    border-radius: 24px;
    border: 1px solid rgba(255, 255, 255, 0.08);
    transition: var(--transition);
}

.step-card:hover {
    background: rgba(255, 255, 255, 0.06);
    transform: translateY(-5px);
}

.step-icon {
    width: 60px;
    height: 60px;
    background: var(--primary-yellow);
    color: var(--primary-blue-dark);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 1.5rem;
}

.step-card h5 {
    color: white;
    font-size: 1.25rem;
    margin-bottom: 0.75rem;
}

.step-card p {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.7);
}

/* Accordion */
.faq-accordion {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.faq-item {
    background: rgba(255, 255, 255, 0.02);
    border: 1px solid rgba(255, 255, 255, 0.05);
    border-radius: 12px;
    overflow: hidden;
    transition: var(--transition);
}

.faq-header {
    padding: 1.5rem 2rem;
    font-size: 1.1rem;
    font-weight: 600;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.faq-header i {
    transition: var(--transition);
}

.faq-content {
    padding: 0 2rem;
    max-height: 0;
    overflow: hidden;
    transition: var(--transition);
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.6;
}

.faq-item.active {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.15);
}

.faq-item.active .faq-header i {
    transform: rotate(180deg);
}

.faq-item.active .faq-content {
    padding-bottom: 1.5rem;
    max-height: 300px;
}

/* Testimonials */
.testimonials-section {
    padding: 8rem 0;
    background-color: var(--bg-section);
}

.testimonial-subtitle {
    text-align: center;
    color: var(--text-muted);
    margin-bottom: 4rem;
    font-size: 1.15rem;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
}

.testimonial-card {
    background: white;
    padding: 4rem;
    border-radius: 32px;
    box-shadow: var(--shadow-lg);
    position: relative;
    transition: var(--transition);
}

.testimonial-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-xl);
}

.quote-icon {
    font-size: 3rem;
    color: var(--primary-yellow);
    opacity: 0.3;
    position: absolute;
    top: 2.5rem;
    right: 2.5rem;
}

.testimonial-content p {
    font-size: 1.25rem;
    line-height: 1.7;
    font-style: italic;
    color: var(--text-muted);
    margin-bottom: 2.5rem;
    position: relative;
    z-index: 2;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 1.25rem;
}

.author-img i {
    font-size: 3.5rem;
    color: #e5e7eb;
}

.author-info strong {
    display: block;
    font-size: 1.15rem;
    color: var(--primary-blue-dark);
}

.author-info span {
    color: var(--text-light);
    font-size: 0.95rem;
}

/* Footer */
.footer {
    background-color: var(--primary-blue-dark);
    color: white;
    padding: 8rem 0 4rem;
    border-top: 8px solid var(--primary-yellow);
}

.footer-container {
    display: grid;
    grid-template-columns: 2fr 1fr 1.2fr 1.5fr;
    gap: 3rem;
}

.footer-logo-main {
    margin-bottom: 1.5rem;
}

.bb-logo-container {
    background: white;
    padding: 1.5rem;
    border-radius: var(--border-radius);
    display: inline-block;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
    margin-bottom: 2rem;
}

.bb-logo-img {
    height: 50px;
}

.footer-contact p {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 1rem;
    color: rgba(255, 255, 255, 0.8);
    font-size: 1.05rem;
}

.footer-contact i {
    color: var(--primary-yellow);
    font-size: 1.2rem;
}

.footer-col h4 {
    color: white;
    font-size: 1.3rem;
    margin-bottom: 2rem;
    position: relative;
    padding-bottom: 0.5rem;
}

.footer-col h4:after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 40px;
    height: 3px;
    background-color: var(--primary-yellow);
    border-radius: 2px;
}

.footer-col ul {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.footer-col a {
    color: rgba(255, 255, 255, 0.7);
}

.footer-col a:hover {
    color: var(--primary-yellow);
    padding-left: 5px;
}

.newsletter-col p {
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 1.5rem;
}

.newsletter-form {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.newsletter-form input {
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.08);
    padding: 1rem 1.25rem;
    border-radius: var(--border-radius-sm);
    color: white;
    font-family: inherit;
    transition: var(--transition);
}

.newsletter-form input:focus {
    outline: none;
    border-color: var(--primary-yellow);
    background: rgba(255, 255, 255, 0.05);
}

.social-links {
    display: flex;
    gap: 1rem;
    margin-top: 2.5rem;
}

.social-links a {
    width: 45px;
    height: 45px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.05);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
    font-size: 1.2rem;
}

.social-links a:hover {
    background: var(--primary-yellow);
    color: var(--primary-blue-dark);
    transform: translateY(-3px);
}

.footer-bottom {
    margin-top: 6rem;
    padding-top: 2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    text-align: center;
    color: rgba(255, 255, 255, 0.5);
    font-size: 0.9rem;
}

/* Modal Styles */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(10, 17, 40, 0.85);
    backdrop-filter: blur(8px);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 9999;
    opacity: 0;
    visibility: hidden;
    transition: all 0.4s ease;
}

.modal-overlay.active {
    opacity: 1;
    visibility: visible;
}

.modal-content {
    background: white;
    max-width: 600px;
    width: 95%;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.5);
    transform: scale(0.8);
    transition: all 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.modal-overlay.active .modal-content {
    transform: scale(1);
}

.modal-header {
    background-color: #d4af37; /* Gold / Dark Yellow */
    color: white;
    padding: 1.5rem;
    text-align: center;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 1rem;
}

.modal-header i {
    font-size: 2rem;
    margin-bottom: 0;
    animation: pulse 2s infinite;
}

.modal-header h2 {
    color: white;
    font-size: 1.5rem;
    font-weight: 900;
    letter-spacing: 0.1em;
    margin: 0;
}

.modal-body {
    padding: 2rem;
    color: var(--text-main);
    line-height: 1.5;
    font-size: 1rem;
}

.modal-body p {
    margin-bottom: 1rem;
}

.modal-contact {
    background: #f8f9fa;
    padding: 1rem;
    border-radius: 8px;
    margin-top: 1rem;
}

.modal-contact li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 0.25rem;
    font-size: 0.9rem;
}

.modal-contact i {
    color: #d4af37;
}

.modal-footer {
    padding: 0 2rem 2rem;
    text-align: center;
}

.modal-footer .btn {
    width: 100%;
}

@keyframes pulse {
    0% { transform: scale(1); }
    50% { transform: scale(1.1); }
    100% { transform: scale(1); }
}

/* Responsiveness adjustments */
@media (max-width: 1200px) {
    .categories-grid { grid-template-columns: repeat(3, 1fr); }
    .cards-grid { grid-template-columns: repeat(2, 1fr); }
    .invest-text { padding: 4rem; }
    .info-container { gap: 4rem; }
    .footer-container { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 992px) {
    /* ── Header ── */
    .header-content {
        justify-content: space-between;
        align-items: center;
        position: relative;
        min-height: 68px;
        padding: 0 1.25rem;
    }

    .mobile-menu-btn {
        display: flex;
        position: relative;
        right: auto;
        top: auto;
        transform: none;
    }

    .logo {
        display: flex;
        justify-content: center;
        align-items: center;
        flex: 1;
    }

    .logo-img {
        max-width: 180px;
        height: auto;
        max-height: 52px;
    }

    /* ── Mobile Nav Overlay ── */
    .mobile-nav-overlay {
        display: block;
    }

    /* ── Mobile Nav Panel (slide in from right) ── */
    .nav {
        position: fixed;
        top: 0;
        right: -100%;
        left: auto;
        width: min(340px, 88vw);
        height: 100dvh;
        background: var(--primary-blue-dark);
        padding: 0;
        transition: right 0.38s cubic-bezier(0.4, 0, 0.2, 1);
        overflow-y: auto;
        overflow-x: hidden;
        z-index: 1100;
        display: flex;
        flex-direction: column;
    }

    .nav.active {
        right: 0;
        left: auto;
    }

    /* Nav inner header */
    .nav ul {
        flex-direction: column;
        gap: 0;
        padding: 1rem 0 1.5rem;
        flex: 1;
    }

    .nav > ul > li > a {
        display: flex;
        align-items: center;
        gap: 0.9rem;
        padding: 0.95rem 1.75rem;
        font-size: 0.82rem;
        font-weight: 700;
        color: rgba(255,255,255,0.85);
        text-transform: uppercase;
        letter-spacing: 0.08em;
        border-radius: 0;
        transition: all 0.22s ease;
        border-bottom: 1px solid rgba(255,255,255,0.04);
    }

    .nav > ul > li > a:hover,
    .nav > ul > li.active > a {
        color: var(--primary-yellow);
        background: rgba(255,255,255,0.05);
        padding-left: 2.1rem;
    }

    .nav a:after {
        display: none;
    }

    /* Section divider label inside nav */
    .nav-section-label {
        display: block;
        padding: 1.2rem 1.75rem 0.5rem;
        font-size: 0.65rem;
        font-weight: 800;
        color: rgba(255,255,255,0.3);
        text-transform: uppercase;
        letter-spacing: 0.15em;
    }

    /* Dropdown toggle arrow */
    .dropdown > a .fa-chevron-down {
        margin-left: auto;
        transition: transform 0.3s ease;
        font-size: 0.6rem;
        color: rgba(255,255,255,0.4);
    }
    .dropdown.active > a .fa-chevron-down {
        transform: rotate(180deg);
        color: var(--primary-yellow);
    }

    /* Simple Dropdown (Crédito) */
    .simple-dropdown .dropdown-menu {
        position: static;
        width: 100%;
        box-shadow: none;
        opacity: 1;
        visibility: visible;
        transform: none;
        padding: 0.25rem 0 0.5rem 2.5rem;
        display: none;
        background: rgba(0,0,0,0.15);
        border-radius: 0;
        border: none;
    }

    .simple-dropdown:hover .dropdown-menu,
    .simple-dropdown.active .dropdown-menu {
        display: block;
    }

    .simple-dropdown .dropdown-menu a {
        padding: 0.7rem 1.25rem;
        font-size: 0.74rem;
        color: rgba(255,255,255,0.65);
        font-weight: 500;
        border-bottom: none;
        display: flex;
        align-items: center;
        gap: 0.5rem;
    }

    .simple-dropdown .dropdown-menu a:hover {
        color: var(--primary-yellow);
        background: transparent;
        padding-left: 1.5rem;
    }

    .simple-dropdown .dropdown-menu a .fa-chevron-right {
        font-size: 0.5rem;
        margin-left: auto;
        color: rgba(255,255,255,0.25);
    }

    .simple-dropdown .dropdown-menu a:after {
        display: none;
    }

    /* Megamenu (Consórcios) */
    .megamenu {
        position: static;
        width: 100%;
        max-width: 100%;
        transform: none;
        opacity: 1;
        visibility: visible;
        box-shadow: none;
        padding: 0.25rem 0 0.5rem 2rem;
        border: none;
        display: none;
        grid-template-columns: 1fr;
        gap: 0.75rem;
        background: rgba(0,0,0,0.15);
    }

    .dropdown.active .megamenu,
    .dropdown:hover .megamenu {
        display: grid;
    }

    .megamenu-column h4 {
        margin: 0;
        padding: 0;
        border: none;
        text-transform: none;
        letter-spacing: normal;
        color: rgba(255,255,255,0.65); /* Fix inheritance for inline style */
    }

    .megamenu-column h4 a {
        display: flex;
        align-items: center;
        gap: 0.5rem;
        padding: 0.7rem 1.25rem;
        font-size: 0.74rem;
        color: rgba(255,255,255,0.65);
        font-weight: 500;
    }

    .megamenu-column h4 a:hover {
        color: var(--primary-yellow);
        background: transparent;
        padding-left: 1.5rem;
    }

    .megamenu-column h4 a:after {
        content: '\f054'; /* fa-chevron-right */
        font-family: 'Font Awesome 5 Free';
        font-weight: 900;
        font-size: 0.5rem;
        margin-left: auto;
        color: rgba(255,255,255,0.25);
    }

    /* Hide sub-items */
    .megamenu-column ul {
        display: none;
    }

    /* Nav CTA at bottom */
    .nav-mobile-cta {
        display: block;
        padding: 1.5rem;
        border-top: 1px solid rgba(255,255,255,0.06);
        margin-top: auto;
    }

    .nav-mobile-cta a {
        display: flex;
        align-items: center;
        justify-content: center;
        gap: 0.75rem;
        background: linear-gradient(135deg, #25d366, #128c7e);
        color: white !important;
        padding: 1rem 1.5rem;
        border-radius: 12px;
        font-weight: 700;
        font-size: 0.85rem;
        text-transform: none;
        letter-spacing: 0.01em;
        transition: all 0.25s ease;
        box-shadow: 0 4px 20px rgba(37, 211, 102, 0.35);
    }

    .nav-mobile-cta a:hover {
        transform: translateY(-2px);
        box-shadow: 0 8px 28px rgba(37, 211, 102, 0.45);
        background: linear-gradient(135deg, #22c55e, #16a34a);
    }

    .nav-mobile-cta a:after {
        display: none;
    }

    /* Layout adjustments */
    .invest-container { grid-template-columns: 1fr; }
    .invest-image { height: 320px; }
    .info-container { grid-template-columns: 1fr; }

    /* Center info section text on mobile */
    .info-section .section-title {
        text-align: center;
        -webkit-text-fill-color: white;
    }
    .faq-subtitle {
        text-align: center;
    }
    .steps-grid {
        grid-template-columns: 1fr;
    }
    .step-card {
        text-align: center;
        display: flex;
        flex-direction: column;
        align-items: center;
    }
}

@media (max-width: 768px) {
    /* ── Typography ── */
    .section-title {
        font-size: 1.85rem;
        text-align: center;
    }
    .section-subtitle {
        text-align: center;
        padding: 0 0.5rem;
        font-size: 1rem;
    }

    /* ── Hero ── */
    .slide-text {
        text-align: center;
        margin: 0 auto 1.5rem;
        padding: 0 1rem;
    }
    .slide-text h2 {
        font-size: 1.7rem;
    }
    .slide-text p {
        font-size: 1rem;
    }
    .hero-container {
        flex-direction: column;
        justify-content: center;
        align-items: center;
        margin-top: 50px;
        gap: 1.5rem;
    }
    .hero-form-spacer { display: none; }
    .hero-form-wrapper {
        width: 100%;
        max-width: 480px;
        padding: 1.75rem;
        margin-top: 0;
    }
    .hero-form-box h2 {
        font-size: 1.5rem;
        text-align: center;
    }
    .hero-form-box p {
        text-align: center;
    }

    /* ── Invest Section ── */
    .invest-text {
        padding: 2.5rem 1.5rem;
        text-align: center;
        align-items: center;
    }
    .invest-text h2 {
        font-size: 1.9rem;
        text-align: center;
    }
    .invest-text p {
        font-size: 1rem;
        text-align: center;
    }
    .invest-text .btn {
        align-self: center;
    }

    /* ── Cards & Grids ── */
    .steps-grid { grid-template-columns: 1fr; }
    .testimonials-grid { grid-template-columns: 1fr; }
    .categories-grid {
        grid-template-columns: repeat(2, 1fr);
        justify-items: center;
    }
    .cards-grid {
        grid-template-columns: 1fr;
        justify-items: center;
    }
    .sim-card {
        width: 100%;
        max-width: 420px;
    }
    .card-content {
        padding: 2rem;
        text-align: center;
        align-items: center;
    }
    .card-content h4 {
        font-size: 1.4rem;
    }
    .btn-link {
        justify-content: center;
    }

    /* ── Testimonials ── */
    .testimonial-card {
        padding: 2.5rem 1.75rem;
        text-align: center;
    }
    .testimonial-author {
        justify-content: center;
    }
    .testimonial-content p {
        font-size: 1rem;
    }

    /* ── Footer ── */
    .footer-container {
        grid-template-columns: 1fr;
        gap: 2.5rem;
        text-align: center;
    }
    .footer-col h4:after {
        left: 50%;
        transform: translateX(-50%);
    }
    .footer-contact p {
        justify-content: center;
    }
    .social-links {
        justify-content: center;
    }
    .bb-logo-container {
        display: block;
        text-align: center;
        margin: 0 auto 2rem;
    }

    /* ── Hero min-height ── */
    .hero {
        min-height: 100dvh;
    }
}

/* --- Seção Destaque Crédito (Home) --- */
.credit-highlight {
    padding: 80px 0;
    background-color: var(--bg-section);
}

.credit-highlight-wrapper {
    display: flex;
    flex-wrap: wrap;
    background: white;
    border-radius: 20px;
    box-shadow: 0 15px 40px rgba(0,0,0,0.05);
    overflow: hidden;
}

.credit-highlight-image {
    flex: 1;
    min-width: 300px;
    position: relative;
    min-height: 500px;
}

.credit-highlight-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    position: absolute;
    top: 0;
    left: 0;
}

.credit-highlight-content {
    flex: 1;
    min-width: 300px;
    padding: 4rem;
}

.credit-highlight-content h2 {
    color: var(--primary-blue-dark);
    font-size: 2.5rem;
    margin-bottom: 1.5rem;
    line-height: 1.2;
}

.credit-highlight-content p {
    color: var(--text-muted);
    font-size: 1.1rem;
    line-height: 1.8;
    margin-bottom: 2.5rem;
}

.credit-products-list {
    display: flex;
    flex-direction: column;
    gap: 1.2rem;
}

.credit-product-item {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1.2rem 1.5rem;
    background: var(--bg-light);
    border-radius: 12px;
    border-left: 4px solid var(--primary-yellow);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.credit-product-item:hover {
    transform: translateX(5px);
    box-shadow: 0 5px 15px rgba(0,0,0,0.05);
}

.credit-product-item .product-info {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.credit-product-item .product-info i {
    font-size: 1.5rem;
    color: var(--primary-blue);
}

.credit-product-item .product-info h4 {
    margin: 0;
    color: var(--primary-blue-dark);
    font-size: 1.1rem;
}

.btn-contrate {
    padding: 0.6rem 1.5rem;
    border-radius: 30px;
    font-size: 0.9rem;
    font-weight: 600;
}

/* Responsividade */
@media (max-width: 992px) {
    .credit-highlight-wrapper {
        flex-direction: column;
    }
    .credit-highlight-image {
        min-height: 350px;
    }
    .credit-highlight-content {
        padding: 3rem 2rem;
    }
    .credit-highlight-content h2 {
        font-size: 2rem;
    }
}

@media (max-width: 576px) {
    .credit-product-item {
        flex-direction: column;
        align-items: flex-start;
        gap: 1rem;
    }
    .btn-contrate {
        width: 100%;
        text-align: center;
    }
}

/* ── Extra Small Phones (< 480px) ── */
@media (max-width: 480px) {
    .container {
        padding: 0 1rem;
    }
    .section-title {
        font-size: 1.6rem;
    }
    .hero-form-wrapper {
        padding: 1.5rem 1.25rem;
    }
    .slide-text h2 {
        font-size: 1.5rem;
    }
    .testimonial-card {
        padding: 2rem 1.25rem;
    }
    .step-card {
        padding: 2rem 1.5rem;
    }
    .card-content {
        padding: 1.5rem;
    }
    .invest-text h2 {
        font-size: 1.6rem;
    }
    .credit-highlight-content {
        padding: 2rem 1.25rem;
    }
    .credit-highlight-content h2 {
        font-size: 1.5rem;
    }
    .modal-body {
        padding: 1.5rem;
    }
    .btn {
        font-size: 0.85rem;
        padding: 0.9rem 1.5rem;
    }
}

/* =========================================
   Floating WhatsApp Button
   ========================================= */
.whatsapp-float {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    z-index: 9999;
    display: flex;
    align-items: center;
    gap: 0.75rem;
    text-decoration: none;
    cursor: pointer;
    filter: drop-shadow(0 8px 24px rgba(26, 40, 87, 0.35));
    transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.whatsapp-float:hover {
    filter: drop-shadow(0 12px 32px rgba(26, 40, 87, 0.45));
    transform: translateY(-4px);
}

.whatsapp-float-btn {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-light));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    color: var(--primary-yellow);
    position: relative;
    flex-shrink: 0;
    transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.whatsapp-float:hover .whatsapp-float-btn {
    background: linear-gradient(135deg, var(--primary-yellow), #ffe533);
    color: var(--primary-blue-dark);
}

.whatsapp-float-btn::before {
    content: '';
    position: absolute;
    inset: -4px;
    border-radius: 50%;
    border: 2px solid var(--primary-yellow);
    opacity: 0.5;
    animation: whatsapp-pulse 2s ease-in-out infinite;
}

.whatsapp-float-btn::after {
    content: '';
    position: absolute;
    inset: -10px;
    border-radius: 50%;
    border: 2px solid var(--primary-yellow);
    opacity: 0.2;
    animation: whatsapp-pulse 2s ease-in-out 0.4s infinite;
}

.whatsapp-float-label {
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-light));
    color: white;
    padding: 0.5rem 1rem;
    border-radius: var(--border-radius-sm);
    font-size: 0.82rem;
    font-weight: 700;
    letter-spacing: 0.03em;
    white-space: nowrap;
    box-shadow: 0 4px 16px rgba(26, 40, 87, 0.25);
    opacity: 0;
    transform: translateX(10px);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    pointer-events: none;
}

.whatsapp-float-label span {
    display: block;
    font-size: 0.72rem;
    font-weight: 500;
    opacity: 0.8;
    margin-top: 1px;
}

.whatsapp-float:hover .whatsapp-float-label {
    opacity: 1;
    transform: translateX(0);
}

@keyframes whatsapp-pulse {
    0%, 100% { transform: scale(1); opacity: inherit; }
    50% { transform: scale(1.15); opacity: 0; }
}

@media (max-width: 768px) {
    .whatsapp-float {
        bottom: 1.5rem;
        right: 1.5rem;
    }
    .whatsapp-float-btn {
        width: 54px;
        height: 54px;
        font-size: 1.5rem;
    }
    .whatsapp-float-label {
        display: none;
    }
}

/* Screen reader only — hides element visually but keeps it for SEO and accessibility */
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}