:root{
  --bg:#0b0f17;
  --panel:#0f1624;
  --soft:#111b2e;
  --text:#e9eef7;
  --muted:#a9b3c7;
  --gold:#d8b46a;
  --line:rgba(255,255,255,.10);
  --radius:18px;
  --shadow: 0 16px 40px rgba(0,0,0,.35);
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, "Noto Sans", "Helvetica Neue";
  background: radial-gradient(1000px 600px at 15% 0%, rgba(216,180,106,.18), transparent 55%),
              radial-gradient(800px 600px at 85% 10%, rgba(90,120,255,.10), transparent 55%),
              var(--bg);
  color:var(--text);
  line-height:1.6;
}

a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}

.container{width:min(1120px, 92%);margin:0 auto}
.skip{
  position:absolute;left:-999px;top:auto;width:1px;height:1px;overflow:hidden;
}
.skip:focus{left:16px;top:16px;width:auto;height:auto;background:#fff;color:#000;padding:10px;border-radius:10px}

.header{
  position:sticky;top:0;z-index:50;
  background:rgba(11,15,23,.65);
  border-bottom:1px solid var(--line);
  backdrop-filter: blur(10px);
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px}

.brand{display:flex;align-items:center;gap:12px}
.brand-text small{display:block;color:var(--muted);font-size:12px;margin-top:2px}
.brand-footer{margin-bottom:10px}

.menu{display:flex;align-items:center;gap:18px}
.menu a{color:var(--muted);font-weight:600;font-size:14px}
.menu a.active{color:var(--text)}
.menu a:hover{color:var(--text)}

.menu-btn{
  display:none;
  width:44px;height:44px;border-radius:14px;
  border:1px solid var(--line);
  background:rgba(255,255,255,.04);
  cursor:pointer;
}
.menu-btn span{display:block;height:2px;background:var(--text);margin:7px 10px;border-radius:2px}

.btn{
  display:inline-flex;align-items:center;justify-content:center;
  padding:12px 16px;border-radius:14px;
  background:linear-gradient(135deg, rgba(216,180,106,.95), rgba(216,180,106,.70));
  color:#161616;font-weight:800;
  border:1px solid rgba(216,180,106,.55);
  box-shadow: 0 10px 24px rgba(216,180,106,.14);
}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-outline{
  background:transparent;
  color:var(--text);
  border:1px solid rgba(255,255,255,.18);
  box-shadow:none;
}
.btn-ghost{
  background:rgba(255,255,255,.06);
  color:var(--text);
  border:1px solid rgba(255,255,255,.12);
  box-shadow:none;
}
.link{color:var(--gold);font-weight:700}

.hero{padding:54px 0 22px}
.hero-grid{display:grid;grid-template-columns: 1.1fr .9fr;gap:26px;align-items:center}
.kicker{color:var(--gold);font-weight:800;letter-spacing:.3px}
h1{font-size:42px;line-height:1.15;margin:10px 0 12px}
.gold{color:var(--gold)}
.lead{color:var(--muted);font-size:18px;max-width:56ch}

.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:18px 0 14px}
.trust{list-style:none;margin:0;padding:0;display:flex;gap:14px;flex-wrap:wrap;color:var(--muted)}
.trust li{border:1px solid var(--line);background:rgba(255,255,255,.03);padding:8px 12px;border-radius:999px}

.hero-media{position:relative}
.hero-media img{
  border-radius: var(--radius);
  height:420px;object-fit:cover;
  border:1px solid var(--line);
  box-shadow: var(--shadow);
}
.hero-card{
  position:absolute;left:16px;bottom:16px;
  background:rgba(15,22,36,.78);
  border:1px solid var(--line);
  border-radius:16px;
  padding:12px 14px;
  backdrop-filter: blur(8px);
  max-width: 90%;
}
.hero-card span{display:block;color:var(--muted);font-size:13px;margin-top:4px}

.section{padding:56px 0}
.section-soft{
  background:linear-gradient(180deg, rgba(255,255,255,.02), rgba(255,255,255,.00));
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
  
  margin-top: 10px;
}
.section-head{margin-bottom:22px}
.section-head h2{margin:0 0 6px;font-size:28px}
.section-head p{margin:0;color:var(--muted)}

.cards{
  display:grid;
  grid-template-columns: repeat(4, 1fr);
  gap:14px;
}
.card{
  background:rgba(255,255,255,.03);
  border:1px solid var(--line);
  border-radius: var(--radius);
  padding:18px;
  box-shadow: 0 10px 22px rgba(0,0,0,.22);
}
.card h3{margin:0 0 8px;font-size:16px}
.card p{margin:0 0 10px;color:var(--muted)}

.strip{display:flex;align-items:center;justify-content:space-between;gap:18px}
.strip-actions{display:flex;gap:10px;flex-wrap:wrap}

.faq details{
  background:rgba(255,255,255,.03);
  border:1px solid var(--line);
  border-radius: var(--radius);
  padding:14px 16px;
  margin:10px 0;
}
.faq summary{cursor:pointer;font-weight:800}
.faq p{color:var(--muted);margin:10px 0 0}

.cta{padding:26px 0 64px}
.cta-box{
  background:linear-gradient(135deg, rgba(216,180,106,.16), rgba(255,255,255,.02));
  border:1px solid rgba(216,180,106,.25);
  border-radius: calc(var(--radius) + 6px);
  padding:26px;
  box-shadow: var(--shadow);
}
.cta-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px}

.page-hero{padding:40px 0 14px;border-bottom:1px solid var(--line)}
.page-hero h1{font-size:36px;margin:10px 0 8px}

.two-col{display:grid;grid-template-columns: 1fr 1fr;gap:18px;align-items:start}

.media-card{
  position:relative;border-radius: var(--radius);overflow:hidden;
  border:1px solid var(--line);
  box-shadow: var(--shadow);
}
.media-card img{height:420px;object-fit:cover}
.media-card .overlay{
  position:absolute;left:14px;bottom:14px;
  background:rgba(15,22,36,.78);
  border:1px solid var(--line);
  border-radius:16px;
  padding:12px 14px;
  backdrop-filter: blur(8px);
}

.steps{display:grid;grid-template-columns: repeat(4, 1fr);gap:14px}
.step{
  background:rgba(255,255,255,.03);
  border:1px solid var(--line);
  border-radius: var(--radius);
  padding:16px;
}
.step p{color:var(--muted);margin:8px 0 0}

.bullets{color:var(--muted)}
.list{list-style:none;margin:0;padding:0;color:var(--muted)}
.list li{margin:8px 0}
.small{font-size:13px}
.muted{color:var(--muted)}
.note{
  margin-top:18px;
  padding:14px 16px;
  background:rgba(216,180,106,.10);
  border:1px solid rgba(216,180,106,.25);
  border-radius: var(--radius);
}

.service-block{
  padding:18px;
  border:1px solid var(--line);
  border-radius: var(--radius);
  background:rgba(255,255,255,.03);
  margin:14px 0;
}

.form-card{
  background:rgba(255,255,255,.03);
  border:1px solid var(--line);
  border-radius: var(--radius);
  padding:18px;
}
label{display:block;font-weight:700;margin-bottom:12px}
input,select,textarea{
  width:100%;
  margin-top:8px;
  padding:12px 12px;
  border-radius:14px;
  border:1px solid rgba(255,255,255,.16);
  background:rgba(0,0,0,.18);
  color:var(--text);
}
textarea{resize:vertical}

.map{
  border:1px solid var(--line);
  border-radius: var(--radius);
  overflow:hidden;
  background:rgba(255,255,255,.02);
}
.map iframe{width:100%;height:360px;border:0}

.footer{border-top:1px solid var(--line);padding:28px 0}
.footer-grid{display:grid;grid-template-columns: 1.2fr 1fr 1fr;gap:18px}
.footer-bottom{padding-top:14px;border-top:1px solid var(--line);color:var(--muted)}

/* ===============================
   WhatsApp Floating — Premium Bank Style
   =============================== */

/* Hover sofisticado */
50%{
    box-shadow:
      0 22px 55px rgba(0,0,0,0.6),
      0 0 18px rgba(216,180,106,0.18);
  }
  100%{
    box-shadow:
      0 20px 50px rgba(0,0,0,0.55),
      0 0 0 rgba(216,180,106,0.0);
  }
}

/* Mobile mantém proporção */
@media (max-width: 768px){
  }
@media (max-width: 980px){
  .cards{grid-template-columns: repeat(2, 1fr)}
  .steps{grid-template-columns: repeat(2, 1fr)}
  .hero-grid{grid-template-columns: 1fr}
  .hero-media img{height:360px}
  .two-col{grid-template-columns: 1fr}
  h1{font-size:36px}
}

@media (max-width: 720px){
  .menu-btn{display:block}
  .menu{
    position:absolute;right:4%;top:68px;
    flex-direction:column;align-items:stretch;
    background:rgba(11,15,23,.95);
    border:1px solid var(--line);
    border-radius: 16px;
    padding:10px;
    width:min(320px, 92vw);
    display:none;
  }
  .menu.open{display:flex}
  .cards{grid-template-columns: 1fr}
  .steps{grid-template-columns: 1fr}
}
/* Espaçamento premium entre blocos principais */
.section + .section-soft{
  margin-top: 64px;
}
/* =========================
   PREMIUM MODERNO (Upgrade)
   cole no final do style.css
   ========================= */

:root{
  --bg2: #05070c;
  --panel3: rgba(255,255,255,0.035);
}

/* Fundo mais “clean premium” */
body{
  background:
    radial-gradient(900px 500px at 12% 5%, rgba(201,160,74,0.10), transparent 60%),
    radial-gradient(800px 480px at 85% 0%, rgba(255,255,255,0.05), transparent 62%),
    var(--bg2);
}

/* Tipografia mais editorial */
h1,h2,h3{
  letter-spacing: -0.03em;
}
.lead{
  font-size: 18px;
  line-height: 1.65;
  max-width: 860px;
}

/* Header mais “fino” e sofisticado */
.header{
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.menu a{
  font-weight: 560;
}
.menu a.active{
  background: rgba(255,255,255,0.06);
}

/* Cards mais “premium tile” */
.card{
  background: linear-gradient(180deg, rgba(255,255,255,0.05), rgba(255,255,255,0.025));
  border: 1px solid rgba(255,255,255,0.09);
}
.card::before{
  opacity: .75;
}
.card:hover{
  transform: translateY(-3px);
  border-color: rgba(201,160,74,0.25);
}

/* Linha dourada minimal no topo do card (diferente do comum) */
.card{
  padding-top: 22px;
}
.card::after{
  content:"";
  position:absolute;
  top: 0;
  left: 0;
  height: 2px;
  width: 100%;
  background: linear-gradient(90deg, rgba(201,160,74,0.0), rgba(201,160,74,0.55), rgba(201,160,74,0.0));
  opacity: .55;
}

/* Links mais “chiques” */
.link{
  font-weight: 700;
}
.link:hover{
  transform: translateX(3px);
}

/* Seções com mais respiro (sem “buraco”) */
.section{
  padding: 72px 0;
}
.section-soft{
  border-top: 1px solid rgba(255,255,255,0.05);
  border-bottom: 1px solid rgba(255,255,255,0.05);
}

/* CTA mais “institucional premium” */
.cta-box{
  border: 1px solid rgba(201,160,74,0.18);
}
.cta-box h2{
  letter-spacing: -0.03em;
}

/* Botões menos “brilhantes”, mais premium */
.btn{
  box-shadow: 0 10px 24px rgba(201,160,74,0.16);
}
.btn:hover{
  box-shadow: 0 14px 32px rgba(201,160,74,0.22);
}

/* WhatsApp flutuante mais discreto (premium) */
/* LOGO (Header) */
.brand-logo{
  width: 40px;
  height: 40px;
  object-fit: contain;
  display: block;
}

/* LOGO (Footer) */
.footer-logo{
  width: 260px;       /* ajuste fino: 220–320 */
  max-width: 100%;
  height: auto;
  object-fit: contain;
  display: block;
  filter: drop-shadow(0 10px 18px rgba(0,0,0,0.35));
}
/* Logo horizontal no header */
.brand-logo-horizontal{
  height: 48px;   /* pode testar 44px / 52px também */
  width: auto;
  object-fit: contain;
  display: block;

}
.footer-grid{
  display:grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap:18px;
  align-items:start;
}

.footer .list{
  margin-top:10px;
}

.footer .list a{
  color: var(--muted);
}

.footer .list a:hover{
  color: var(--text);
}
/* ===== Menu Premium Underline ===== */

/* ===== Menu Underline Luxury ===== */

.menu a{
  position: relative;
  padding-bottom: 6px;
}

.menu a::after{
  content:"";
  position:absolute;
  left:50%;
  bottom:0;
  width:0;
  height:2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  transform: translateX(-50%);
  transition: width .35s ease;
  opacity:.8;
}

/* Hover */
.menu a:hover::after{
  width:100%;
}

/* Página ativa */
.menu a.active::after{
  width:100%;
  opacity:1;
}
/* ===== CONSOLIDADO PREMIUM (sem duplicidades) ===== */

/* Logo horizontal no header */
.brand-logo-horizontal{
  height: 48px;
  width: auto;
  object-fit: contain;
  display: block;
}

/* Footer (grid) */
.footer{
  margin-top: 80px;
  border-top: 1px solid var(--line);
  padding: 28px 0;
}
.footer-grid{
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 18px;
  align-items: start;
}
.footer-logo{
  width: 260px;
  max-width: 100%;
  height: auto;
  object-fit: contain;
  display: block;
  filter: drop-shadow(0 10px 18px rgba(0,0,0,0.35));
}
.footer .list{margin-top:10px}
.footer .list a{color: var(--muted)}
.footer .list a:hover{color: var(--text)}

.footer-bottom{
  padding-top: 14px;
  border-top: 1px solid var(--line);
  color: var(--muted);
}

/* WhatsApp flutuante (premium discreto) */
/* Menu underline premium (uma única versão) */
.menu a{
  position: relative;
  padding-bottom: 6px;
}
.menu a::after{
  content:"";
  position:absolute;
  left:50%;
  bottom:0;
  width:0;
  height:2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  transform: translateX(-50%);
  transition: width .35s ease;
  opacity:.8;
}
.menu a:hover::after{width:100%}
.menu a.active::after{width:100%;opacity:1}

/* Responsivo footer */
@media (max-width: 980px){
  .footer-grid{grid-template-columns: 1fr; gap: 22px;}
}

/* ===============================
   WhatsApp Floating — FINAL (Premium Bank)
   =============================== */
.whatsapp{
  position: fixed;
  right: 22px;
  bottom: 22px;

  padding: 14px 22px;
  border-radius: 999px;

  background: linear-gradient(145deg, rgba(15,20,30,.86), rgba(10,14,22,.96));
  border: 1px solid rgba(216,180,106,.55);

  color: var(--text);
  font-weight: 800;
  font-size: 15px;
  letter-spacing: .35px;

  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);

  box-shadow:
    0 20px 55px rgba(0,0,0,.58),
    inset 0 0 0 1px rgba(255,255,255,.04);

  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease, color .25s ease;
  z-index: 9999;

  animation: whatsappBreath 3.5s ease-in-out infinite;
}

.whatsapp:hover{
  transform: translateY(-4px);
  border-color: rgba(216,180,106,.95);
  color: var(--gold);

  box-shadow:
    0 30px 75px rgba(0,0,0,.70),
    0 0 40px rgba(216,180,106,.35);
}

@keyframes whatsappBreath{
  0%{
    box-shadow: 0 20px 55px rgba(0,0,0,.58), 0 0 0 rgba(216,180,106,0);
  }
  50%{
    box-shadow: 0 23px 62px rgba(0,0,0,.64), 0 0 18px rgba(216,180,106,.18);
  }
  100%{
    box-shadow: 0 20px 55px rgba(0,0,0,.58), 0 0 0 rgba(216,180,106,0);
  }
}

@media (max-width: 768px){
  .whatsapp{
    right: 18px;
    bottom: 18px;
    padding: 14px 22px; /* mantém proporção */
    font-size: 15px;
  }
}

/* WhatsApp — comportamento (aparecer após scroll) */
.whatsapp{
  opacity: 0;
  transform: translateY(10px);
  pointer-events: none;
}

.whatsapp.is-visible{
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}