/* ==========================================================================
   VICTOR SILVEIRA — CONSULTORIA DE CRÉDITO & CONSÓRCIO
   Design System Canônico: Preto Absoluto + Dourado Ouro ("Site 1 Só")
   Zero caixas cinzas • WCAG AA/AAA • Mobile-First • Performance Extrema
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap');

:root {
  /* Cores Canônicas */
  --bg-primary: #050505;
  --bg-deep: #020202;
  
  /* Gradientes Dourados WCAG */
  --gold-light: #FFE55C;
  --gold-primary: #FFD700;
  --gold-deep: #D4AF37;
  --gold-dark: #B8860B;
  --gold-gradient: linear-gradient(135deg, #FFE55C 0%, #FFD700 50%, #D4AF37 100%);
  --gold-gradient-hover: linear-gradient(135deg, #FFF089 0%, #FFE55C 50%, #FFD700 100%);
  
  /* Textos */
  --text-primary: #FFFFFF;
  --text-secondary: #C8C8C8;
  --text-muted: #8E8E93;
  --text-gold: #FFE55C;
  
  /* Acentos de Luz (Substituem caixas cinzas por luz e refinamento) */
  --border-gold-subtle: rgba(255, 215, 0, 0.16);
  --border-gold-highlight: rgba(255, 215, 0, 0.35);
  --glow-ambient: radial-gradient(circle at center, rgba(255, 215, 0, 0.08) 0%, transparent 70%);
  --glow-radial: radial-gradient(circle, rgba(255, 215, 0, 0.12) 0%, transparent 65%);
  
  /* Layout & Espaçamento */
  --container-max: 1220px;
  --radius-pill: 9999px;
  --radius-lg: 24px;
  --radius-md: 18px;
  --radius-sm: 12px;
  
  /* Tipografia */
  --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --transition-smooth: all 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Reset Universal & Blindagem de Viewport */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: auto; /* Controlado via Lenis */
  background-color: var(--bg-primary);
  color: var(--text-primary);
  font-family: var(--font-family);
  -webkit-text-size-adjust: 100%;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  position: relative;
  width: 100%;
  min-height: 100vh;
  background-color: var(--bg-primary);
  color: var(--text-primary);
  overflow-x: hidden !important;
  line-height: 1.6;
}

img, svg {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration: none;
}

button {
  font-family: inherit;
  border: none;
  background: none;
  cursor: pointer;
}

/* Foco Acessível Visível */
:focus-visible {
  outline: 2px solid var(--gold-primary);
  outline-offset: 3px;
}

/* Container Estrutural */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

/* Suporte a Âncoras com Scroll Margin */
[id] {
  scroll-margin-top: 100px;
}

/* ==========================================================================
   AMBIENTE E TRANSIÇÕES ("SITE 1 SÓ" — ZERO CAIXAS CINZAS)
   ========================================================================== */
.ambient-lighting {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 0;
  overflow: hidden;
}

.ambient-orb {
  position: absolute;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212, 175, 55, 0.05) 0%, transparent 70%);
  filter: blur(80px);
}

.ambient-orb-1 { top: -150px; right: -150px; }
.ambient-orb-2 { top: 40%; left: -200px; }
.ambient-orb-3 { bottom: -100px; right: 10%; }

/* Divisores Luminosos (Sem linhas cinzas duras) */
.section-seam {
  position: relative;
  width: 100%;
  height: 1px;
  background: linear-gradient(90deg, transparent 0%, rgba(255, 215, 0, 0.22) 50%, transparent 100%);
  margin: 0 auto;
}

/* ==========================================================================
   TIPOGRAFIA DISPLAY & COMPONENTES BASE
   ========================================================================== */
.tag-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 18px;
  border-radius: var(--radius-pill);
  background: rgba(255, 215, 0, 0.05);
  border: 1px solid var(--border-gold-highlight);
  color: var(--gold-light);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  margin-bottom: 24px;
}

.pulse-bullet {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background-color: var(--gold-primary);
  box-shadow: 0 0 10px var(--gold-primary);
  animation: pulseGold 2s infinite ease-in-out;
}

@keyframes pulseGold {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.4); opacity: 0.6; }
}

.section-title {
  font-size: clamp(2rem, 4.5vw, 3.25rem);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -1.6px;
  color: var(--text-primary);
  margin-bottom: 20px;
}

.section-title .text-gold {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.section-subtitle {
  font-size: clamp(1rem, 1.8vw, 1.15rem);
  color: var(--text-secondary);
  line-height: 1.65;
  max-width: 680px;
  font-weight: 400;
}

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

.text-center .section-subtitle {
  margin-left: auto;
  margin-right: auto;
}

/* ==========================================================================
   BOTÃO CANÔNICO DOURADO (.bt-gold)
   Rótulo PRETO OBRIGATÓRIO (WCAG: 16.6:1 a 6.45:1)
   Shiny Sweep Glow contido dentro do botão (overflow: hidden estrito)
   ========================================================================== */
.bt-gold {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  min-height: 52px;
  padding: 14px 32px;
  border-radius: var(--radius-pill);
  background: var(--gold-gradient);
  color: #050505 !important; /* PRETO OBRIGATÓRIO CONFORME WCAG */
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: -0.2px;
  text-align: center;
  box-shadow: 0 8px 24px rgba(255, 215, 0, 0.28), 0 2px 6px rgba(0, 0, 0, 0.6);
  transition: var(--transition-smooth);
  overflow: hidden !important; /* IMPEDE QUALQUER ESTOURO DE SCROLLWIDTH */
  cursor: pointer;
  z-index: 1;
}

/* Rótulo e SVG internos */
.bt-gold span, .bt-gold svg {
  position: relative;
  z-index: 3;
  color: #050505;
  stroke: #050505;
}

/* Efeito Shiny Sweep Glow (Feixe diagonal suave que percorre o botão) */
.bt-gold::before {
  content: '';
  position: absolute;
  top: 0;
  left: -120%;
  width: 70%;
  height: 100%;
  background: linear-gradient(
    90deg,
    transparent 0%,
    rgba(255, 255, 255, 0.45) 50%,
    transparent 100%
  );
  transform: skewX(-25deg);
  pointer-events: none;
  z-index: 2;
  transition: none;
  animation: shinySweep 4.5s infinite ease-in-out;
}

@keyframes shinySweep {
  0%, 65% { left: -120%; }
  100% { left: 220%; }
}

.bt-gold:hover {
  transform: translateY(-2px) scale(1.02);
  background: var(--gold-gradient-hover);
  box-shadow: 0 14px 32px rgba(255, 215, 0, 0.38), 0 4px 10px rgba(0, 0, 0, 0.7);
}

.bt-gold:active {
  transform: translateY(0) scale(0.99);
}

/* Botão Secundário / Outline Nobre */
.bt-outline {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 52px;
  padding: 14px 28px;
  border-radius: var(--radius-pill);
  background: rgba(5, 5, 5, 0.6);
  border: 1px solid var(--border-gold-highlight);
  color: var(--gold-light);
  font-size: 0.95rem;
  font-weight: 600;
  transition: var(--transition-smooth);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.bt-outline:hover {
  border-color: var(--gold-primary);
  background: rgba(255, 215, 0, 0.08);
  color: #FFFFFF;
  transform: translateY(-2px);
}

/* ==========================================================================
   1. NAVBAR FIXA DE VIDRO SUAVE
   ========================================================================== */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 100;
  padding: 16px 0;
  transition: padding 0.3s ease, background 0.3s ease;
}

.site-header.scrolled {
  padding: 12px 0;
  background: rgba(5, 5, 5, 0.88);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(255, 215, 0, 0.12);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand-link {
  display: flex;
  align-items: center;
  gap: 12px;
}

.brand-logo-emblem {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(255, 215, 0, 0.08);
  border: 1px solid var(--border-gold-highlight);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--gold-light);
  letter-spacing: -0.5px;
}

.brand-info {
  display: flex;
  flex-direction: column;
}

.brand-name {
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: -0.4px;
  color: #FFFFFF;
  line-height: 1.2;
}

.brand-sub {
  font-size: 0.75rem;
  color: var(--gold-light);
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-item-link {
  font-size: 0.875rem;
  color: var(--text-secondary);
  font-weight: 500;
  transition: color 0.25s ease;
}

.nav-item-link:hover {
  color: var(--gold-light);
}

.nav-cta-wrap {
  display: flex;
  align-items: center;
}

.nav-btn {
  padding: 10px 22px;
  min-height: 44px;
  font-size: 0.875rem;
}

/* ==========================================================================
   2. HERO MONUMENTAL COM FOTO REAL DE VICTOR SILVEIRA
   ========================================================================== */
.hero-section {
  position: relative;
  min-height: 100vh;
  padding-top: 140px;
  padding-bottom: 80px;
  display: flex;
  align-items: center;
  overflow: hidden;
  z-index: 1;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  align-items: center;
  gap: 56px;
}

.hero-content {
  position: relative;
  z-index: 2;
}

.hero-title {
  font-size: clamp(2.35rem, 5vw, 3.85rem);
  font-weight: 700;
  line-height: 1.12;
  letter-spacing: -1.8px;
  color: #FFFFFF;
  margin-bottom: 24px;
}

.hero-title span.gold-highlight {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline;
}

.hero-description {
  font-size: clamp(1.05rem, 1.8vw, 1.2rem);
  line-height: 1.65;
  color: var(--text-secondary);
  max-width: 580px;
  margin-bottom: 36px;
}

.hero-action-group {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 18px;
  margin-bottom: 40px;
}

.hero-trust-box {
  display: flex;
  align-items: center;
  gap: 16px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 215, 0, 0.14);
}

.trust-avatar-stack {
  display: flex;
  align-items: center;
  color: var(--gold-primary);
}

.trust-text {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.45;
}

.trust-text strong {
  color: var(--text-primary);
  font-weight: 600;
}

/* Visual do Mentor (Victor Silveira) */
.hero-visual-wrapper {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-aura-glow {
  position: absolute;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 215, 0, 0.16) 0%, transparent 68%);
  filter: blur(50px);
  z-index: 1;
}

.hero-photo-frame {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: 440px;
  border-radius: 32px;
  padding: 3px;
  background: linear-gradient(145deg, rgba(255, 215, 0, 0.45) 0%, rgba(255, 215, 0, 0.05) 50%, rgba(255, 215, 0, 0.3) 100%);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.9), 0 0 35px rgba(255, 215, 0, 0.12);
}

.hero-photo {
  width: 100%;
  height: auto;
  border-radius: 29px;
  object-fit: cover;
  display: block;
}

/* Badges Flutuantes 3D de Credibilidade e Localidade */
.floating-badge {
  position: absolute;
  z-index: 3;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 18px;
  border-radius: var(--radius-md);
  background: rgba(10, 10, 10, 0.88);
  border: 1px solid var(--border-gold-highlight);
  box-shadow: 0 16px 36px rgba(0, 0, 0, 0.7);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.floating-badge-top {
  top: 6%;
  right: -24px;
}

.floating-badge-bottom {
  bottom: 8%;
  left: -24px;
}

.badge-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: rgba(255, 215, 0, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-light);
  flex-shrink: 0;
}

.badge-text-group {
  display: flex;
  flex-direction: column;
}

.badge-title {
  font-size: 0.8125rem;
  font-weight: 700;
  color: #FFFFFF;
}

.badge-desc {
  font-size: 0.75rem;
  color: var(--gold-light);
}

/* ==========================================================================
   3. PROVA DE CONSTÂNCIA & CONTEXTO PÚBLICO REAL
   ========================================================================== */
.stats-strip-section {
  position: relative;
  padding: 40px 0;
  z-index: 1;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.stat-item {
  position: relative;
  padding: 24px 20px;
  text-align: center;
  /* Sem caixa cinza: sutil respiro e separador vertical */
}

.stat-number {
  font-size: clamp(1.85rem, 3.5vw, 2.5rem);
  font-weight: 700;
  line-height: 1.15;
  color: var(--gold-light);
  letter-spacing: -1px;
  margin-bottom: 6px;
}

.stat-label {
  font-size: 0.875rem;
  color: var(--text-secondary);
  line-height: 1.4;
}

/* ==========================================================================
   4. O MECANISMO REAL (EDUCAÇÃO & REGULAMENTAÇÃO BACEN)
   ========================================================================== */
.mechanism-section {
  position: relative;
  padding: 100px 0;
  z-index: 1;
}

.mechanism-intro {
  margin-bottom: 64px;
}

.mechanism-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

/* Item estrutural elegante sem fundo cinza corporativo */
.mechanism-item {
  position: relative;
  padding: 32px 28px;
  border-radius: var(--radius-lg);
  background: linear-gradient(180deg, rgba(255, 215, 0, 0.03) 0%, transparent 100%);
  border-top: 1px solid var(--border-gold-highlight);
  transition: var(--transition-smooth);
}

.mechanism-item:hover {
  transform: translateY(-4px);
  border-top-color: var(--gold-light);
  background: linear-gradient(180deg, rgba(255, 215, 0, 0.06) 0%, transparent 100%);
}

.mechanism-index {
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--gold-primary);
  letter-spacing: 0.1em;
  margin-bottom: 16px;
  display: inline-block;
}

.mechanism-title {
  font-size: 1.25rem;
  font-weight: 600;
  color: #FFFFFF;
  margin-bottom: 12px;
  letter-spacing: -0.5px;
}

.mechanism-text {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ==========================================================================
   5. O PAPEL DA CONSULTORIA PERSONALIZADA (VICTOR SILVEIRA)
   ========================================================================== */
.consulting-section {
  position: relative;
  padding: 100px 0;
  z-index: 1;
}

.consulting-layout {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  align-items: center;
  gap: 64px;
}

.consulting-feature-list {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.feature-row {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  padding: 24px 0;
  border-bottom: 1px solid rgba(255, 215, 0, 0.12);
}

.feature-icon-box {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: rgba(255, 215, 0, 0.08);
  border: 1px solid var(--border-gold-subtle);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-light);
  flex-shrink: 0;
}

.feature-body h3 {
  font-size: 1.15rem;
  font-weight: 600;
  color: #FFFFFF;
  margin-bottom: 8px;
}

.feature-body p {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

/* ==========================================================================
   6. FLUXO NUMERADO 01 · 02 · 03 · 04 (Luz Progressiva)
   ========================================================================== */
.flow-section {
  position: relative;
  padding: 110px 0;
  z-index: 1;
}

.flow-steps-wrapper {
  position: relative;
  margin-top: 60px;
}

/* Trilho de Luz Dourada Central */
.flow-track-line {
  position: absolute;
  top: 40px;
  left: 50%;
  transform: translateX(-50%);
  width: 2px;
  height: calc(100% - 80px);
  background: linear-gradient(180deg, var(--gold-primary) 0%, rgba(255, 215, 0, 0.1) 100%);
  z-index: 0;
  opacity: 0.4;
}

.flow-step-item {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 80px 1fr;
  align-items: center;
  margin-bottom: 56px;
}

.flow-step-item:last-child {
  margin-bottom: 0;
}

.step-card {
  padding: 32px 36px;
  border-radius: var(--radius-lg);
  background: linear-gradient(145deg, rgba(255, 215, 0, 0.04) 0%, transparent 100%);
  border: 1px solid var(--border-gold-subtle);
  transition: var(--transition-smooth);
}

.flow-step-item:hover .step-card {
  border-color: var(--gold-light);
  box-shadow: 0 12px 32px rgba(255, 215, 0, 0.08);
}

.step-card.left-side {
  text-align: right;
  grid-column: 1;
}

.step-card.right-side {
  text-align: left;
  grid-column: 3;
}

.step-node-center {
  grid-column: 2;
  display: flex;
  align-items: center;
  justify-content: center;
}

.node-circle {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: #050505;
  border: 2px solid var(--gold-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-light);
  font-weight: 700;
  font-size: 1rem;
  box-shadow: 0 0 20px rgba(255, 215, 0, 0.35);
  transition: transform 0.3s ease;
}

.flow-step-item:hover .node-circle {
  transform: scale(1.12);
}

.step-header-tag {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--gold-primary);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 8px;
}

.step-title {
  font-size: 1.35rem;
  font-weight: 600;
  color: #FFFFFF;
  margin-bottom: 12px;
}

.step-text {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ==========================================================================
   7. PARES DE CONTRASTE: REALIDADE VS ILUSÃO (BACEN REGULATÓRIO)
   ========================================================================== */
.contrast-section {
  position: relative;
  padding: 100px 0;
  z-index: 1;
}

.contrast-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  margin-top: 56px;
}

.contrast-column {
  padding: 40px 36px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-gold-subtle);
  position: relative;
}

.column-warning {
  background: linear-gradient(180deg, rgba(239, 68, 68, 0.04) 0%, transparent 100%);
  border-color: rgba(239, 68, 68, 0.2);
}

.column-authentic {
  background: linear-gradient(180deg, rgba(255, 215, 0, 0.05) 0%, transparent 100%);
  border-color: var(--border-gold-highlight);
  box-shadow: 0 10px 40px rgba(255, 215, 0, 0.06);
}

.contrast-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 24px;
}

.badge-red {
  background: rgba(239, 68, 68, 0.12);
  color: #F87171;
  border: 1px solid rgba(239, 68, 68, 0.3);
}

.badge-gold {
  background: rgba(255, 215, 0, 0.1);
  color: var(--gold-light);
  border: 1px solid var(--border-gold-highlight);
}

.contrast-col-title {
  font-size: 1.45rem;
  font-weight: 600;
  color: #FFFFFF;
  margin-bottom: 24px;
}

.contrast-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contrast-list-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  font-size: 0.9375rem;
  line-height: 1.55;
  color: var(--text-secondary);
}

.contrast-icon {
  flex-shrink: 0;
  margin-top: 3px;
}

/* ==========================================================================
   8. SOBRE O CONSULTOR: VICTOR SILVEIRA
   ========================================================================== */
.about-section {
  position: relative;
  padding: 100px 0;
  z-index: 1;
}

.about-card-inner {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  align-items: center;
  gap: 56px;
  padding: 48px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-gold-subtle);
  background: linear-gradient(135deg, rgba(255, 215, 0, 0.03) 0%, transparent 100%);
}

.about-photo-wrap {
  position: relative;
  width: 100%;
  max-width: 380px;
  margin: 0 auto;
}

.about-img {
  width: 100%;
  height: auto;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-gold-highlight);
}

.about-body h2 {
  font-size: clamp(1.8rem, 3.2vw, 2.5rem);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -1.2px;
  color: #FFFFFF;
  margin-bottom: 20px;
}

.about-bio-quote {
  font-size: 1.1rem;
  font-style: italic;
  color: var(--gold-light);
  margin-bottom: 20px;
  border-left: 2px solid var(--gold-primary);
  padding-left: 16px;
}

.about-text {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 32px;
}

.about-meta-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-bottom: 32px;
}

.meta-box {
  padding: 14px 18px;
  border-radius: var(--radius-sm);
  background: rgba(255, 215, 0, 0.04);
  border: 1px solid rgba(255, 215, 0, 0.12);
}

.meta-box-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 4px;
}

.meta-box-val {
  font-size: 0.95rem;
  font-weight: 600;
  color: #FFFFFF;
}

/* ==========================================================================
   9. FAQ (ACCORDION DE ALTA CONVERSÃO & QUEBRA DE OBJEÇÕES)
   ========================================================================== */
.faq-section {
  position: relative;
  padding: 100px 0;
  z-index: 1;
}

.faq-list {
  max-width: 860px;
  margin: 56px auto 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  border-radius: var(--radius-md);
  border: 1px solid var(--border-gold-subtle);
  background: rgba(10, 10, 10, 0.4);
  overflow: hidden;
  transition: border-color 0.3s ease;
}

.faq-item.active {
  border-color: var(--border-gold-highlight);
}

.faq-question-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 28px;
  text-align: left;
  font-size: 1.05rem;
  font-weight: 600;
  color: #FFFFFF;
  background: transparent;
  cursor: pointer;
  gap: 16px;
  transition: color 0.25s ease;
}

.faq-question-btn:hover {
  color: var(--gold-light);
}

.faq-icon-cross {
  width: 24px;
  height: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-primary);
  transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  flex-shrink: 0;
}

.faq-item.active .faq-icon-cross {
  transform: rotate(45deg);
}

.faq-answer-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.16, 1, 0.3, 1), padding 0.3s ease;
  padding: 0 28px;
}

.faq-item.active .faq-answer-panel {
  max-height: 400px;
  padding-bottom: 24px;
}

.faq-answer-text {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  line-height: 1.65;
  border-top: 1px solid rgba(255, 215, 0, 0.08);
  padding-top: 16px;
}

/* ==========================================================================
   10. CTA FINAL MONUMENTAL
   ========================================================================== */
.final-cta-section {
  position: relative;
  padding: 120px 0;
  text-align: center;
  z-index: 1;
}

.cta-box-monumental {
  position: relative;
  max-width: 920px;
  margin: 0 auto;
  padding: 64px 40px;
  border-radius: 36px;
  background: radial-gradient(circle at center, rgba(255, 215, 0, 0.08) 0%, rgba(5, 5, 5, 0.9) 70%);
  border: 1px solid var(--border-gold-highlight);
  box-shadow: 0 20px 80px rgba(0, 0, 0, 0.9), 0 0 50px rgba(255, 215, 0, 0.08);
  overflow: hidden;
}

.cta-title {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -1.5px;
  color: #FFFFFF;
  margin-bottom: 20px;
}

.cta-subtitle {
  font-size: 1.1rem;
  color: var(--text-secondary);
  max-width: 620px;
  margin: 0 auto 36px;
  line-height: 1.6;
}

.cta-buttons-wrap {
  display: flex;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
}

/* ==========================================================================
   11. RODAPÉ INSTITUCIONAL & AVISOS LEGAIS (BACEN)
   ========================================================================== */
.site-footer {
  position: relative;
  padding: 60px 0 36px;
  border-top: 1px solid rgba(255, 215, 0, 0.12);
  z-index: 1;
  background-color: var(--bg-deep);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-brand-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: #FFFFFF;
  margin-bottom: 12px;
}

.footer-brand-desc {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.55;
  max-width: 380px;
}

.footer-col-title {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gold-light);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 16px;
}

.footer-links-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-link {
  font-size: 0.875rem;
  color: var(--text-secondary);
  transition: color 0.2s ease;
}

.footer-link:hover {
  color: var(--gold-light);
}

/* Aviso Legal Obrigatório BACEN */
.footer-disclaimer-box {
  padding: 24px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.06);
  margin-bottom: 32px;
}

.footer-disclaimer-text {
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.footer-bottom-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  font-size: 0.75rem;
  color: var(--text-muted);
}

/* ==========================================================================
   RESPONSIVIDADE RIGOROSA (320px ATÉ 1920px)
   ZERO OVERFLOW HORIZONTAL EM TODAS AS LARGURAS
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 48px;
  }
  
  .hero-description {
    margin-left: auto;
    margin-right: auto;
  }
  
  .hero-action-group {
    justify-content: center;
  }
  
  .hero-trust-box {
    justify-content: center;
  }
  
  .floating-badge-top {
    right: 0;
  }
  
  .floating-badge-bottom {
    left: 0;
  }
  
  .mechanism-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .consulting-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .flow-track-line {
    display: none;
  }
  
  .flow-step-item {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 40px;
  }
  
  .step-node-center {
    order: -1;
  }
  
  .step-card.left-side, .step-card.right-side {
    text-align: left;
    width: 100%;
  }
  
  .about-card-inner {
    grid-template-columns: 1fr;
    padding: 32px 24px;
  }
  
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

@media (max-width: 768px) {
  .nav-menu {
    display: none;
  }
  
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .mechanism-grid {
    grid-template-columns: 1fr;
  }
  
  .contrast-grid {
    grid-template-columns: 1fr;
  }
  
  .about-meta-grid {
    grid-template-columns: 1fr;
  }
  
  .floating-badge {
    position: relative;
    top: auto !important;
    bottom: auto !important;
    left: auto !important;
    right: auto !important;
    margin-top: 12px;
    width: 100%;
    justify-content: center;
  }
  
  .hero-visual-wrapper {
    flex-direction: column;
  }
  
  .cta-box-monumental {
    padding: 40px 20px;
  }
  
  .footer-bottom-bar {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }
}

@media (max-width: 480px) {
  .container {
    padding-left: 18px;
    padding-right: 18px;
  }
  
  .stats-grid {
    grid-template-columns: 1fr;
  }
  
  .hero-action-group {
    flex-direction: column;
    width: 100%;
  }
  
  .bt-gold, .bt-outline {
    width: 100%;
  }
}

/* ==========================================================================
   ACESSIBILIDADE: PREFERS-REDUCED-MOTION
   ========================================================================== */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  
  .bt-gold::before {
    display: none !important;
  }
}