/* ===========================
   RESET E BASE
=========================== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Plus Jakarta Sans', sans-serif;
  background: #ffffff;
  color: #1a2236;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; }
ul { list-style: none; }
img { display: block; width: 100%; height: 100%; object-fit: cover; }

/* ===========================
   VARIÁVEIS
=========================== */
:root {
  --escuro:    #001242;
  --azul:      #001B66;
  --amarelo:   #ffb500;
  --branco:    #ffffff;
  --cinza:     #f7f8fa;
  --suave:     #242424;
  --texto:     #1a2236;
  --borda:     #e2e6ee;
  --erro:      #d92d20;
  --sucesso:   #027a48;
  --r-sm:      8px;
  --r-md:      14px;
  --r-lg:      20px;
  --r-xl:      28px;
  --sombra:    0 4px 24px rgba(26,34,54,.08);
  --sombra-lg: 0 12px 48px rgba(26,34,54,.14);
}

::-webkit-scrollbar { width: 5px; }
::-webkit-scrollbar-track { background: var(--cinza); }
::-webkit-scrollbar-thumb { background: var(--azul); border-radius: 3px; }

.container { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 28px; }

/* ===========================
   TIPOGRAFIA AUXILIAR
=========================== */
.sobrancelha {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .92rem; font-weight: 700; letter-spacing: 0.020em;
  color: var(--azul);
  margin-bottom: 14px;
}
.sobrancelha.clara { color: rgba(255,255,255); }

h2.secao-titulo {
  font-size: clamp(1.75rem, 3.2vw, 2.6rem);
  font-weight: 800; letter-spacing: -.03em; line-height: 1.15;
  color: var(--escuro);
}
h2.secao-titulo.clara { color: #fff; }
.secao-subtitulo {
  font-size: 1rem; font-weight: 500; color: var(--suave); line-height: 1.8;
  max-width: 540px; margin-top: 14px;
}
.secao-subtitulo.clara { color: rgba(255,255,255); }

/* ===========================
   BOTÕES
=========================== */
.botao {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: .9rem; font-weight: 700; border: none;
  cursor: pointer; border-radius: 100px;
  padding: 14px 28px; transition: all .2s;
}
.botao-amarelo { background: var(--amarelo); color: var(--escuro); }
.botao-amarelo:hover { background: #e09900; }
.botao-contorno-branco { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,.4); }
.botao-contorno-branco:hover { background: rgba(255,255,255,.08); }
.botao-contorno-escuro { background: transparent; color: var(--texto); border: 1.5px solid var(--borda); }
.botao-contorno-escuro:hover { border-color: var(--azul); color: var(--azul); }
.botao-grande { padding: 17px 36px; font-size: .95rem; }
.botao-nav-pequeno { padding: 10px 22px; font-size: .82rem; }
.botao svg { flex-shrink: 0; }

/* ===========================
   BARRA INSTITUCIONAL
=========================== */
.barra-institucional {
  background: var(--azul); color: rgba(255,255,255,.75);
  font-size: .75rem; font-weight: 500;
}
.faixa-institucional {
  display: flex; justify-content: space-between; align-items: center;
  height: 38px;
}
.links-institucionais { display: flex; gap: 24px; }
.links-institucionais a { color: rgba(255,255,255,.65); transition: color .2s; }
.links-institucionais a:hover { color: #fff; }

/* ===========================
   NAVEGAÇÃO
=========================== */
.navegacao {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: var(--escuro);
  border-bottom: 1px solid rgba(255,255,255,.06);
  transition: box-shadow .3s;
}
.navegacao.rolada { box-shadow: 0 2px 24px rgba(0,0,0,.3); }
.navegacao-interna {
  max-width: 1180px; margin: 0 auto; padding: 0 28px;
  display: flex; align-items: center; justify-content: space-between;
  height: 68px;
}
.navegacao-logo { display: flex; align-items: center; gap: 11px; }
.logo-imagem { width: 120px; height: auto; display: block; }
.navegacao-links { display: flex; align-items: center; gap: 30px; }
.navegacao-links a { font-size: .875rem; font-weight: 600; color: rgba(255,255,255,.6); transition: color .2s; }
.navegacao-links a:hover,
.navegacao-links a.nav-ativo { color: var(--amarelo); }
.navegacao-acoes { display: flex; align-items: center; gap: 14px; }
.menu-hamburguer { display: none; flex-direction: column; gap: 5px; cursor: pointer; }
.menu-hamburguer span { width: 22px; height: 2px; background: #fff; border-radius: 2px; transition: all .3s; }
.menu-hamburguer.aberto span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-hamburguer.aberto span:nth-child(2) { opacity: 0; }
.menu-hamburguer.aberto span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.menu-mobile {
  display: none; position: fixed; top: 68px; left: 0; right: 0;
  background: var(--escuro); border-bottom: 1px solid rgba(255,255,255,.08);
  padding: 24px 28px; flex-direction: column; gap: 18px; z-index: 999;
}
.menu-mobile.aberto { display: flex; }
.menu-mobile a {
  font-size: .95rem; font-weight: 600; color: rgba(255,255,255,.7);
  padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,.06);
}
.botao-mobile-centro { justify-content: center; width: 100%; }

/* ===========================
   CAMPOS DE IMAGEM (placeholder reutilizável)
=========================== */
.img-campo {
  position: relative; width: 100%; overflow: hidden;
  border-radius: var(--r-xl); background: var(--cinza);
}
.img-campo-alto { aspect-ratio: 3/4; }
.img-campo-foto {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; z-index: 2;
}
.img-campo-foto[src=""],
.img-campo-foto:not([src]) { display: none; }
.img-campo-placeholder {
  position: absolute; inset: 0; display: flex;
  flex-direction: column; align-items: center; justify-content: center;
  gap: 12px; color: #a5acbb; font-size: .78rem; font-weight: 600;
  text-align: center; padding: 24px; z-index: 1;
}
.img-campo-placeholder svg { opacity: .4; }

/* ===========================
   HERO SLIDER
=========================== */
.hero-consorcio {
  margin-top: 30px; /* 68px (nav fixa) − 38px (barra institucional em flow) = 30px */
  width: 100%; height: 600px;
  position: relative; overflow: hidden;
  background: var(--escuro);
}
.hero-slider { width: 100%; height: 100%; position: relative; }

.hero-slide {
  position: absolute; inset: 0;
  opacity: 0; transition: opacity .7s ease;
  pointer-events: none;
}
.hero-slide.ativo { opacity: 1; pointer-events: auto; }

.hero-slide-imagem {
  position: absolute; inset: 0;
}
.slide-img {
  width: 100%; height: 100%; object-fit: cover;
}
.slide-img[src=""],
.slide-img:not([src]) { display: none; }
.slide-placeholder {
  position: absolute; inset: 0;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  gap: 14px; color: rgba(255,255,255,.3);
  font-size: .82rem; font-weight: 600;
  background: #0a1830;
}
.slide-placeholder svg { opacity: .3; }

.hero-slide-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(0,18,66,.96) 0%, rgba(0,18,66,.78) 55%, transparent 100%);
}

.hero-slide-conteudo {
  position: absolute; inset: 0;
  display: flex; align-items: center;
}

.slide-img.carregada + .slide-placeholder {
  opacity: 0;
  pointer-events: none;
}

.hero-consorcio h1 {
  font-size: clamp(2rem, 4.5vw, 3.4rem);
  font-weight: 800; color: #fff; line-height: 1.1;
  letter-spacing: -.035em; margin-bottom: 18px;
  max-width: 620px;
}

.hero-consorcio h1 .destaque {
  color: var(--amarelo);
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.35);
}

.hero-consorcio .sobrancelha {
  display: block;
  margin-bottom: 12px;
  text-shadow: 0 2px 6px rgba(0, 0, 0, 0.25);
}

.hero-consorcio p {
  font-size: 1.05rem;
  color: #ffffff;
  line-height: 1.75;
  max-width: 500px;
  margin-bottom: 36px;
  text-shadow: 0 1px 4px rgba(0, 0, 0, 0.25);
}

.hero-acoes { display: flex; flex-wrap: wrap; gap: 14px; }

/* Controles slider */
.slider-prev,
.slider-next {
  position: absolute; top: 50%; z-index: 10;
  transform: translateY(-50%);
  background: rgba(255,255,255,.12); border: 1.5px solid rgba(255,255,255,.2);
  color: #fff; width: 48px; height: 48px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; transition: background .2s;
}
.slider-prev { left: 24px; }
.slider-next { right: 24px; }
.slider-prev:hover, .slider-next:hover { background: rgba(255,255,255,.25); }

.slider-dots {
  position: absolute; bottom: 24px; left: 50%; transform: translateX(-50%);
  display: flex; gap: 8px; z-index: 10;
}
.slider-dot {
  width: 10px; height: 10px; border-radius: 50%;
  background: rgba(255,255,255,.35); border: none; cursor: pointer;
  transition: all .3s;
}
.slider-dot.ativo { background: var(--amarelo); width: 28px; border-radius: 5px; }

/* ===========================
   O QUE É CONSÓRCIO
=========================== */
.secao-oque { background: #fff; padding: 40px 0; }
.oque-interno {
  display: grid; grid-template-columns: 1fr 1.2fr;
  gap: 80px; align-items: center;
}
.oque-imagem { width: 100%; }
.oque-imagem .img-campo { border-radius: var(--r-xl); }
.oque-texto-extra {
  font-size: .97rem; color: var(--suave);
  line-height: 1.8; margin-top: 20px; max-width: 560px;
}
.oque-numeros {
  display: flex; gap: 32px; margin-top: 36px;
  padding-top: 32px; border-top: 1px solid var(--borda);
  flex-wrap: wrap;
}
.on-valor {
  font-size: 1.65rem; font-weight: 800;
  color: var(--escuro); letter-spacing: -.03em; margin-bottom: 4px;
}
.on-rotulo { font-size: .78rem; color: var(--suave); font-weight: 600; }

/* ===========================
   FORMULÁRIO DE SOLICITAÇÃO
=========================== */
.secao-formulario {
  background: var(--cinza);
  padding: 46px 0;
  border-top: 1px solid var(--borda);
  border-bottom: 1px solid var(--borda);
}
.form-cabecalho { margin-bottom: 48px; text-align: center; }
.form-cabecalho .secao-subtitulo { margin: 14px auto 0; }

.form-consorcio { display: flex; flex-direction: column; gap: 24px; }

.fc-card {
  background: #fff;
  border: 1px solid var(--borda);
  border-radius: var(--r-xl);
  padding: 36px;
  box-shadow: var(--sombra);
}
.fc-card-header {
  display: flex; gap: 18px; align-items: flex-start;
  margin-bottom: 28px; padding-bottom: 24px;
  border-bottom: 1px solid var(--borda);
}
.fc-numero {
  width: 44px; height: 44px; flex-shrink: 0;
  background: var(--escuro); color: #fff;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: .85rem;
}
.fc-card-header h3 {
  font-size: 1.15rem; font-weight: 800; color: var(--texto);
  letter-spacing: -.02em; margin-bottom: 4px;
}
.fc-card-header p { font-size: .85rem; color: var(--suave); }

/* Grid de campos */
.form-linha { display: grid; gap: 18px; margin-bottom: 18px; }
.form-linha:last-child { margin-bottom: 0; }
.form-linha.cols-2 { grid-template-columns: 1fr 1fr; }
.form-linha.cols-3 { grid-template-columns: 1fr 1fr 1fr; }
.form-linha.cols-2-1 { grid-template-columns: 2fr 1fr; }

.campo { display: flex; flex-direction: column; gap: 6px; }
.campo label {
  font-size: .88rem; font-weight: 600; color: var(--texto);
  display: inline-flex; align-items: center; gap: 4px;
}
.campo .obrig { color: var(--amarelo); font-weight: 800; }
.campo input,
.campo select,
.campo textarea {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: .92rem; color: var(--texto);
  background: #fff; border: 1.5px solid var(--borda);
  border-radius: var(--r-md); padding: 13px 16px;
  transition: border-color .2s, box-shadow .2s;
  width: 100%; outline: none;
}
.campo input::placeholder { color: #a5acbb; }
.campo input:hover, .campo select:hover { border-color: #c8d0de; }
.campo input:focus, .campo select:focus, .campo textarea:focus {
  border-color: var(--escuro);
  box-shadow: 0 0 0 4px rgba(0,18,66,.06);
}
.campo select {
  appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>");
  background-repeat: no-repeat; background-position: right 16px center;
  padding-right: 44px; cursor: pointer;
}
.campo .erro {
  font-size: .76rem; color: var(--erro); font-weight: 600;
  opacity: 0; transition: opacity .2s; min-height: 0;
}
.campo.invalido input, .campo.invalido select { border-color: var(--erro); background: #fff8f8; }
.campo.invalido .erro { opacity: 1; }

.sub-rotulo {
  font-size: .75rem; font-weight: 700; color: var(--suave);
  text-transform: uppercase; letter-spacing: .1em;
  margin-bottom: 14px;
  display: flex; align-items: center; gap: 7px;
}

.bloco-condicional {
  display: flex; flex-direction: column; gap: 18px;
  background: var(--cinza); border: 1px dashed var(--borda);
  border-radius: var(--r-md); padding: 24px;
  animation: fadeIn .3s ease;
}
.bloco-condicional.oculto { display: none; }
.bloco-condicional .campo input { background: #fff; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Ações do formulário */
.form-acoes {
  background: #fff; border: 1px solid var(--borda);
  border-radius: var(--r-xl); padding: 26px 32px;
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; flex-wrap: wrap; box-shadow: var(--sombra);
}
.form-acoes-info {
  display: flex; align-items: center; gap: 10px;
  color: var(--suave); font-size: .85rem; font-weight: 600;
}
.form-acoes-botoes { display: flex; gap: 12px; flex-wrap: wrap; }

/* ===========================
   MODALIDADES
=========================== */
.secao-modalidades { background: var(--cinza); padding: 40px 0; }
.modalidades-cabecalho { margin-bottom: 56px; }
.modalidades-grade {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.mod-card {
  background: #fff; border: 1px solid var(--borda);
  border-radius: var(--r-xl); overflow: hidden;
  display: flex; flex-direction: column;
  transition: border-color .25s, box-shadow .25s;
  box-shadow: var(--sombra);
}
.mod-card:hover { border-color: var(--azul); box-shadow: var(--sombra-lg); }

.mod-card-imagem {
  position: relative; width: 100%;
  aspect-ratio: 16/8; overflow: hidden;
  background: var(--cinza);
}
.mod-foto { width: 100%; height: 100%; object-fit: cover; }
.mod-foto[src=""], .mod-foto:not([src]) { display: none; }
.mod-placeholder {
  position: absolute; inset: 0;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  gap: 10px; color: #a5acbb;
  font-size: .76rem; font-weight: 600; text-align: center;
}
.mod-placeholder svg { opacity: .4; }

.mod-card-corpo { padding: 28px; display: flex; flex-direction: column; flex: 1; }

.mod-icone {
  width: 48px; height: 48px; background: var(--cinza);
  border-radius: 12px; display: flex; align-items: center;
  justify-content: center; margin-bottom: 16px;
  color: var(--escuro);
}
.mod-card h3 {
  font-size: 1rem; font-weight: 800; color: var(--escuro);
  letter-spacing: -.01em; margin-bottom: 14px;
}
.mod-lista {
  display: flex; flex-direction: column; gap: 8px;
  margin-bottom: 20px;
}
.mod-lista li {
  display: flex; align-items: center; gap: 8px;
  font-size: .96rem; color: var(--suave);
}
.mod-lista li svg { flex-shrink: 0; color: var(--escuro); }
.mod-credito {
  font-size: .88rem; color: var(--suave);
  margin-top: auto; margin-bottom: 20px; font-weight: 500;
}
.mod-credito strong { color: var(--escuro); font-weight: 800; }
.mod-cta { justify-content: center; width: 100%; }

/* ===========================
   VANTAGENS
=========================== */
.secao-vantagens { background: var(--escuro); padding: 60px 0; }
.vantagens-cabecalho { margin-bottom: 64px; }
.vantagens-grade {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
}
.vantagem-bloco {
  background: rgba(255,255,255,.04);
  border: 2px solid rgba(255,255,255,.1);
  border-radius: var(--r-xl); padding: 36px 28px;
  transition: border-color .25s, background .25s;
}
.vantagem-bloco:hover {
  border-color: rgba(255,255,255,.25);
  background: rgba(255,255,255,.07);
}
.vantagem-icone {
  width: 60px; height: 60px;
  background: rgba(255,255,255,.07);
  border-radius: 16px; display: flex; align-items: center;
  justify-content: center; margin-bottom: 24px;
  color: #fff;
}
.vantagem-bloco h3 {
  font-size: .9rem; font-weight: 800; color: #fff;
  letter-spacing: .02em; margin-bottom: 14px; line-height: 1.3;
}
.vantagem-bloco p { font-size: .86rem; color: rgba(255,255,255); line-height: 1.75; }

/* ===========================
   PARA QUEM É INDICADO
=========================== */
.secao-indicado { background: #fff; padding: 60px 0; }
.indicado-cabecalho { margin-bottom: 56px; }
.indicado-grade { display: flex; flex-direction: column; gap: 40px; }

.indicado-item {
  display: grid; grid-template-columns: 360px 1fr;
  gap: 60px; align-items: center;
}
.indicado-item:nth-child(even) { grid-template-columns: 1fr 360px; }
.indicado-item:nth-child(even) .indicado-imagem { order: 2; }
.indicado-item:nth-child(even) .indicado-conteudo { order: 1; }

.indicado-imagem {
  position: relative; aspect-ratio: 4/3;
  border-radius: var(--r-xl); overflow: hidden; background: var(--cinza);
}
.indicado-foto { width: 100%; height: 100%; object-fit: cover; }
.indicado-foto[src=""], .indicado-foto:not([src]) { display: none; }
.indicado-placeholder {
  position: absolute; inset: 0;
  display: flex; flex-direction: column; align-items: center;
  justify-content: center; gap: 10px;
  color: #a5acbb; font-size: .76rem; font-weight: 600; text-align: center;
}
.indicado-placeholder svg { opacity: .4; }

.indicado-num {
  font-size: 4rem; font-weight: 800;
  color: var(--borda); letter-spacing: -.05em;
  line-height: 1; margin-bottom: 12px;
}
.indicado-conteudo h3 {
  font-size: 1.1rem; font-weight: 800; color: var(--escuro);
  letter-spacing: -.01em; margin-bottom: 14px;
}
.indicado-conteudo p { font-size: .97rem; color: var(--suave); line-height: 1.8; }

/* ===========================
   COMO FUNCIONA (TIMELINE)
=========================== */
.secao-como-funciona { background: var(--cinza); padding: 60px 0; }
.cf-cabecalho { margin-bottom: 64px; }
.timeline { display: flex; flex-direction: column; max-width: 720px; }

.tl-item { display: flex; gap: 0; }
.tl-esquerda {
  display: flex; flex-direction: column; align-items: center;
  width: 72px; flex-shrink: 0;
}
.tl-num {
  width: 52px; height: 52px; border-radius: 50%;
  background: var(--escuro); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: .88rem; flex-shrink: 0;
}
.tl-num.destaque { background: var(--amarelo); color: var(--escuro); }
.tl-linha { flex: 1; width: 2px; background: var(--borda); margin: 8px 0; min-height: 40px; }
.tl-conteudo {
  padding: 0 0 48px 28px; flex: 1;
}
.tl-ultimo .tl-conteudo { padding-bottom: 0; }

.tl-icone {
  width: 44px; height: 44px; background: #fff;
  border: 1px solid var(--borda); border-radius: 11px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px; color: var(--escuro);
}
.tl-conteudo h3 {
  font-size: .95rem; font-weight: 800; color: var(--escuro);
  letter-spacing: .01em; margin-bottom: 8px;
}
.tl-conteudo p { font-size: .9rem; color: var(--suave); line-height: 1.75; }

/* ===========================
   DIFERENCIAIS
=========================== */
.secao-diferenciais { background: #fff; padding: 60px 0; }
.diferenciais-interno {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 80px; align-items: center;
}

.diferenciais-lista {
  display: flex; flex-direction: column; gap: 22px;
  margin-top: 32px;
}
.diferenciais-lista li {
  display: flex; gap: 14px; align-items: flex-start;
}
.dif-icone {
  width: 40px; height: 40px; flex-shrink: 0;
  background: var(--cinza); border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: var(--escuro);
}
.diferenciais-lista li strong {
  font-size: .92rem; font-weight: 700; color: var(--escuro);
  display: block; margin-bottom: 4px;
}
.diferenciais-lista li p { font-size: .94rem; color: var(--suave); line-height: 1.6; }

.diferenciais-imagens {
  display: flex; flex-direction: column; gap: 16px;
}
.dif-img-principal {
  position: relative; aspect-ratio: 4/3;
  border-radius: var(--r-xl); overflow: hidden; background: var(--cinza);
}
.dif-foto { width: 100%; height: 100%; object-fit: cover; }
.dif-foto[src=""], .dif-foto:not([src]) { display: none; }
.dif-placeholder {
  position: absolute; inset: 0;
  display: flex; flex-direction: column; align-items: center;
  justify-content: center; gap: 10px;
  color: #a5acbb; font-size: .76rem; font-weight: 600; text-align: center;
}
.dif-placeholder svg { opacity: .4; }
.dif-img-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.dif-img-pequena {
  position: relative; aspect-ratio: 1;
  border-radius: var(--r-lg); overflow: hidden; background: var(--cinza);
}

/* ===========================
   CTA FINAL
=========================== */
.secao-cta-final { background: var(--escuro); padding: 60px 0; }
.cta-final-interno {
  display: grid; grid-template-columns: 1.1fr .9fr;
  gap: 80px; align-items: center;
}
.cta-final-conteudo h2 {
  font-size: clamp(1.75rem, 3.2vw, 2.6rem);
  font-weight: 800; color: #fff; letter-spacing: -.03em;
  line-height: 1.15; margin-bottom: 18px;
}
.cta-final-conteudo h2 span { color: var(--amarelo); }
.cta-final-conteudo p { font-size: 1rem; color: rgba(255,255,255); line-height: 1.8; margin-bottom: 14px; }
.cta-extra { margin-top: 0; }
.cta-assinatura {
  font-size: .85rem; font-weight: 700; color: rgba(255,255,255,.65);
  text-transform: uppercase; letter-spacing: .05em;
  margin-bottom: 32px !important;
}
.cta-disclaimer {
  font-size: .74rem; color: rgba(255,255,255,.3);
  margin-top: 14px !important; margin-bottom: 0 !important;
}

.cta-final-imagem {
  width: 100%;
}
.cta-final-imagem .img-campo {
  background: rgba(255,255,255,.04);
}
.cta-final-imagem .img-campo-placeholder { color: rgba(255,255,255,.25); }
.cta-final-imagem .img-campo-placeholder svg { opacity: .2; }

/* ===========================
   RODAPÉ
=========================== */
footer { background: #0c1525; color: rgba(255,255,255,.55); padding: 72px 0 0; }
.rodape-topo { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.rodape-marca-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.rodape-marca p { font-size: .84rem; line-height: 1.8; max-width: 260px; margin-bottom: 22px; }
.rodape-sociais { display: flex; gap: 8px; }
.rodape-social {
  width: 34px; height: 34px; border-radius: 8px;
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.09);
  display: flex; align-items: center; justify-content: center;
  transition: all .2s; cursor: pointer; color: rgba(255,255,255,.5);
}
.rodape-social:hover { background: rgba(255,255,255,.15); }
.rodape-coluna h4 {
  font-size: .82rem; font-weight: 700; color: #fff;
  margin-bottom: 18px; letter-spacing: .04em; text-transform: uppercase;
}
.rodape-coluna ul { display: flex; flex-direction: column; gap: 11px; }
.rodape-coluna ul a { font-size: .83rem; color: rgba(255,255,255,.5); transition: color .2s; }
.rodape-coluna ul a:hover { color: #fff; }
.rodape-divisor { height: 1px; background: rgba(255,255,255,.07); margin-bottom: 28px; }
.rodape-regulado {
  background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.07);
  border-radius: var(--r-md); padding: 18px 22px; margin-bottom: 28px;
}
.rodape-regulado p { font-size: .75rem; line-height: 1.75; }
.rodape-regulado strong { color: rgba(255,255,255,.7); }
.rodape-base {
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 14px; padding-bottom: 28px;
}
.rodape-base p { font-size: .78rem; }
.rodape-selos { display: flex; gap: 8px; }
.rodape-selo {
  display: flex; align-items: center; gap: 5px;
  font-size: .72rem; font-weight: 600; color: rgba(255,255,255,.5);
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.08);
  padding: 5px 11px; border-radius: 6px;
}
.rodape-logo-icone { width: 120px; height: auto; }

.rodape-social i {
  color: #ffffff;
  font-size: 16px;
}

/* ===========================
   TOAST
=========================== */
.toast {
  position: fixed; top: 24px; right: 24px;
  background: var(--escuro); color: #fff;
  padding: 16px 22px; border-radius: var(--r-md);
  display: flex; align-items: center; gap: 12px;
  box-shadow: var(--sombra-lg); font-size: .88rem; font-weight: 600;
  max-width: 380px; z-index: 2000;
  transform: translateY(-20px); opacity: 0; pointer-events: none;
  transition: transform .3s, opacity .3s;
  border-left: 4px solid var(--amarelo);
}
.toast.ativo { transform: translateY(0); opacity: 1; pointer-events: auto; }

/* ===========================
   BOTÃO FLUTUANTE
=========================== */
.botao-flutuante {
  position: fixed; bottom: 24px; right: 24px; z-index: 900;
  background: var(--amarelo); color: var(--escuro);
  padding: 13px 22px; border-radius: 100px; font-size: .85rem; font-weight: 800;
  display: flex; align-items: center; gap: 8px; cursor: pointer;
  transition: all .2s; animation: flutuarEntrada .8s ease .4s both;
  opacity: 0;
}
.botao-flutuante:hover { transform: translateY(-2px); box-shadow: var(--sombra-lg); }
@keyframes flutuarEntrada { from{opacity:0;transform:translateY(16px)} to{opacity:1;transform:translateY(0)} }

/* ===========================
   ANIMAÇÕES DE SCROLL
=========================== */
.revelar { opacity: 0; transform: translateY(28px); transition: opacity .65s ease, transform .65s ease; }
.revelar.visivel { opacity: 1; transform: translateY(0); }
.revelar-atraso-1 { transition-delay: .1s; }
.revelar-atraso-2 { transition-delay: .2s; }
.revelar-atraso-3 { transition-delay: .3s; }
.revelar-atraso-4 { transition-delay: .4s; }

/* ===========================
   RESPONSIVO
=========================== */
@media (max-width: 1024px) {
  .hero-consorcio { height: 520px; }
  .vantagens-grade { grid-template-columns: repeat(2,1fr); }
  .oque-interno { grid-template-columns: 1fr; gap: 48px; }
  .diferenciais-interno { grid-template-columns: 1fr; gap: 52px; }
  .cta-final-interno { grid-template-columns: 1fr; gap: 52px; }
  .rodape-topo { grid-template-columns: 1fr 1fr; gap: 36px; }
  .indicado-item,
  .indicado-item:nth-child(even) { grid-template-columns: 1fr; }
  .indicado-item:nth-child(even) .indicado-imagem,
  .indicado-item:nth-child(even) .indicado-conteudo { order: unset; }
}
@media (max-width: 860px) {
  .hero-consorcio { height: 460px; }
  .modalidades-grade { grid-template-columns: 1fr; }
  .vantagens-grade { grid-template-columns: 1fr 1fr; }
  .form-linha.cols-2,
  .form-linha.cols-3,
  .form-linha.cols-2-1 { grid-template-columns: 1fr; }
  .form-acoes { flex-direction: column; align-items: stretch; }
  .form-acoes-botoes { flex-direction: column-reverse; }
  .form-acoes-botoes .botao { justify-content: center; }
  .fc-card { padding: 26px 22px; }
  .dif-img-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .navegacao-links, .navegacao-acoes { display: none; }
  .menu-hamburguer { display: flex; }
  .hero-consorcio { height: 400px; margin-top: 38px; }
  .hero-consorcio h1 { font-size: clamp(1.6rem, 6vw, 2.4rem); }
  .hero-consorcio p { font-size: .9rem; }
  .hero-acoes { gap: 10px; }
  .hero-acoes .botao-grande { padding: 13px 22px; font-size: .85rem; }
  .vantagens-grade { grid-template-columns: 1fr; }
  .timeline { max-width: 100%; }
  .slider-prev { left: 12px; }
  .slider-next { right: 12px; }
  .rodape-topo { grid-template-columns: 1fr; }
  .rodape-base { flex-direction: column; text-align: center; }
}
@media (max-width: 480px) {
  .container { padding: 0 18px; }
  .hero-consorcio { height: 360px; }
  .slider-prev, .slider-next { display: none; }
  .botao-flutuante { right: 16px; bottom: 16px; }
  .dif-img-grid { grid-template-columns: 1fr; }
}
/* ===========================================================
   OTIMIZAÇÃO MOBILE-FIRST (anti-overflow + ajustes finos)
   Adicionado para impedir rolagem horizontal e melhorar
   a experiência em telas pequenas, mantendo o design.
=========================================================== */
html, body {
  max-width: 100vw;
  overflow-x: hidden !important;
}
*, *::before, *::after { min-width: 0; }
img, video, iframe, svg, canvas {
  max-width: 100%;
  height: auto;
}
.container { width: 100%; }

/* Quebra agressiva de palavras longas em mobile (URLs, e-mails) */
@media (max-width: 768px) {
  body { overflow-wrap: anywhere; word-break: break-word; }
  .container { padding-left: 20px !important; padding-right: 20px !important; }

  /* Garante que nenhum filho direto da seção estoure */
  section > *, main > *, footer > * { max-width: 100%; }

  /* Tipografia mais confortável */
  h1 { font-size: clamp(1.6rem, 7vw, 2.2rem) !important; line-height: 1.2 !important; }
  h2 { font-size: clamp(1.4rem, 6vw, 1.9rem) !important; line-height: 1.25 !important; }
  h3 { font-size: 1.05rem !important; }
  p  { font-size: .95rem; line-height: 1.7; }

  /* Botões ocupam linha inteira para alvo de toque */
  .botao { padding: 13px 22px; font-size: .9rem; }
  .botao-grande { padding: 14px 22px !important; font-size: .9rem !important; }

  /* Grids comuns viram 1 coluna */
  [class*="grade"], [class*="grid"], [class*="-interno"] {
    grid-template-columns: 1fr !important;
  }

  /* Faixa institucional compacta */
  .barra-institucional { font-size: .72rem; }
  .faixa-institucional {
    flex-direction: column; height: auto !important;
    gap: 4px; padding: 8px 0;
  }
  .links-institucionais { gap: 14px; flex-wrap: wrap; justify-content: center; }

  /* Navegação */
  .navegacao-interna { padding-left: 20px !important; padding-right: 20px !important; height: 60px; }
  .logo-imagem { width: 100px; }

  /* Rodapé sem estouro */
  footer { padding: 48px 0 0; }
  .rodape-topo { gap: 32px !important; }
  .rodape-marca p { max-width: 100%; }
  .rodape-base { flex-direction: column; text-align: center; gap: 10px; }
  .rodape-selos { flex-wrap: wrap; justify-content: center; }

  /* Toast e botão flutuante dentro da tela */
  .toast { left: 12px !important; right: 12px !important; top: 12px !important; max-width: calc(100vw - 24px); }
  .botao-flutuante { right: 14px !important; bottom: 14px !important; padding: 12px 18px; font-size: .8rem; }
}

@media (max-width: 480px) {
  .container { padding-left: 16px !important; padding-right: 16px !important; }
  section { padding: 48px 0 !important; }
  .logo-imagem { width: 92px; }
  .botao { width: 100%; justify-content: center; }
  .navegacao-acoes .botao { width: auto; }
}

@media (max-width: 360px) {
  .container { padding-left: 14px !important; padding-right: 14px !important; }
  h1 { font-size: 1.45rem !important; }
  h2 { font-size: 1.25rem !important; }
}

/* === Específico consorcio.html === */
@media (max-width: 768px) {
  /* Hero com altura fixa para a imagem do slider ficar bem visível */
  .hero-consorcio {
    height: 560px !important;
    min-height: 560px;
    margin-top: 0;
    padding: 0;
  }
  /* Garante que a imagem ocupe todo o hero */
  .hero-slide { position: absolute; inset: 0; }
  .hero-slide-imagem { position: absolute; inset: 0; }
  .hero-slide-imagem img,
  .slide-img {
    width: 100% !important;
    height: 100% !important;
    object-fit: cover !important;
    object-position: center;
  }
  /* Overlay vertical para legibilidade do texto sem esconder a imagem */
  .hero-slide-overlay {
    background: linear-gradient(
      180deg,
      rgba(0,18,66,.55) 0%,
      rgba(0,18,66,.35) 40%,
      rgba(0,18,66,.85) 100%
    ) !important;
  }
  /* Conteúdo ancorado na parte inferior, sobre a imagem */
  .hero-slide-conteudo {
    position: absolute; inset: 0;
    display: flex;
    align-items: flex-end;
    padding-bottom: 40px;
  }
  .hero-consorcio h1 { font-size: clamp(1.6rem, 6vw, 2.2rem) !important; margin-bottom: 12px; }
  .hero-consorcio p  { font-size: .9rem; margin-bottom: 20px; max-width: 100%; }

  .hero-acoes { flex-direction: column; align-items: stretch; gap: 10px; }
  .hero-acoes .botao { width: 100%; justify-content: center; }

  .modalidades-grade, .vantagens-grade,
  .oque-interno, .diferenciais-interno,
  .cta-final-interno, .dif-img-grid { grid-template-columns: 1fr !important; gap: 24px; }
  .timeline { max-width: 100% !important; }
  .tl-conteudo { padding: 0 0 36px 18px !important; }
  .tl-esquerda { width: 52px !important; }
  .tl-num { width: 42px !important; height: 42px !important; font-size: .8rem !important; }
  .slider-prev, .slider-next { display: none !important; }
  .form-linha.cols-2, .form-linha.cols-3, .form-linha.cols-2-1 { grid-template-columns: 1fr !important; }
  .fc-card { padding: 22px 18px !important; }
  .indicado-imagem { aspect-ratio: 4/3; }
}
@media (max-width: 480px) {
  .hero-consorcio { height: 500px !important; min-height: 500px; }
  .hero-consorcio h1 { font-size: 1.5rem !important; }
  .hero-slide-conteudo { padding-bottom: 32px; }
}