/* ======================================
   CAIXA ECONÔMICA FEDERAL - LANDING PAGE
   Identidade Visual Oficial
====================================== */

:root {
    --caixa-blue: #005CA9;
    --caixa-blue-dark: #003F7C;
    --caixa-blue-light: #0080D4;
    --caixa-orange: #F39200;
    --caixa-orange-dark: #D97E00;
    --caixa-yellow: #FDC52E;
    --caixa-white: #FFFFFF;
    --caixa-gray: #F4F6F9;
    --caixa-gray-dark: #4A5568;
    --caixa-text: #1A202C;
    --shadow-sm: 0 2px 8px rgba(0, 92, 169, 0.08);
    --shadow-md: 0 8px 24px rgba(0, 92, 169, 0.12);
    --shadow-lg: 0 16px 48px rgba(0, 92, 169, 0.18);
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
    scroll-behavior: smooth;
    /* Barra de rolagem na identidade visual da marca (Firefox) */
    scrollbar-width: thin;
    scrollbar-color: var(--caixa-blue) #e6eef6;
}

/* Barra de rolagem na identidade visual da marca (Chrome, Edge, Safari) */
::-webkit-scrollbar {
    width: 12px;
    height: 12px;
}
::-webkit-scrollbar-track {
    background: #e6eef6;
}
::-webkit-scrollbar-thumb {
    background: linear-gradient(180deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
    border-radius: 8px;
    border: 2px solid #e6eef6;
}
::-webkit-scrollbar-thumb:hover {
    background: linear-gradient(180deg, var(--caixa-orange) 0%, var(--caixa-orange-dark) 100%);
}
::-webkit-scrollbar-corner {
    background: #e6eef6;
}

/* ======================================
   ACESSIBILIDADE GLOBAL
====================================== */

/* Skip link — visível apenas com foco via teclado */
.skip-link {
    position: absolute;
    left: -9999px;
    top: 0;
    background: var(--caixa-blue);
    color: var(--caixa-white);
    padding: 12px 20px;
    border-radius: 0 0 8px 0;
    font-weight: 700;
    text-decoration: none;
    z-index: 10000;
    transition: none;
}

.skip-link:focus {
    left: 0;
    outline: 3px solid var(--caixa-orange);
    outline-offset: 2px;
}

/* Foco visível global — apenas para navegação por teclado */
:focus-visible {
    outline: 3px solid var(--caixa-orange);
    outline-offset: 2px;
    border-radius: 4px;
}

a:focus-visible,
button:focus-visible {
    outline: 3px solid var(--caixa-orange);
    outline-offset: 3px;
}

/* Respeitar preferência por movimento reduzido (WCAG 2.3.3) */
@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;
    }
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--caixa-text);
    line-height: 1.6;
    background: var(--caixa-white);
    overflow-x: hidden;
}

/* ======================================
   ÍCONES SVG (substituem Font Awesome)
====================================== */
.icon {
    display: inline-block;
    width: 1em;
    height: 1em;
    vertical-align: -0.125em;
    fill: currentColor;
    flex-shrink: 0;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ======================================
   HEADER
====================================== */
.header {
    position: sticky;
    top: 0;
    background: var(--caixa-white);
    box-shadow: var(--shadow-sm);
    z-index: 1000;
    border-bottom: 3px solid var(--caixa-orange);
}

.header-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 24px;
    gap: 20px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}

.logo-img {
    height: 46px;
    width: auto;
    display: block;
}

@media (max-width: 480px) {
    .logo-img { height: 38px; }
}

.logo-icon {
    width: 48px;
    height: 48px;
    background: linear-gradient(135deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--caixa-white);
    font-size: 24px;
    font-weight: 900;
    box-shadow: var(--shadow-sm);
    position: relative;
}

.logo-icon::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 50%;
    transform: translateX(-50%);
    width: 60%;
    height: 4px;
    background: var(--caixa-orange);
    border-radius: 2px;
}

.logo-text {
    display: flex;
    flex-direction: column;
    line-height: 1.1;
}

.logo-text strong {
    font-size: 20px;
    color: var(--caixa-blue);
    font-weight: 900;
    letter-spacing: 0.5px;
}

.logo-text span {
    font-size: 11px;
    color: var(--caixa-gray-dark);
    font-weight: 400;
}

.nav-menu {
    flex: 1;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 4px;
    flex-wrap: wrap;
}

.nav-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 16px;
    background: transparent;
    border: none;
    border-radius: 8px;
    color: var(--caixa-gray-dark);
    font-family: inherit;
    font-weight: 700;
    font-size: 14px;
    cursor: pointer;
    transition: var(--transition);
    position: relative;
}

.nav-link .icon {
    width: 14px;
    height: 14px;
    color: var(--caixa-blue);
    transition: var(--transition);
}

.nav-link:hover {
    background: var(--caixa-gray);
    color: var(--caixa-blue);
}

.nav-link.active {
    background: var(--caixa-blue);
    color: var(--caixa-white);
}

.nav-link.active .icon {
    color: var(--caixa-yellow);
}

.nav-link:focus-visible {
    outline: 3px solid var(--caixa-orange);
    outline-offset: 2px;
}

.nav-toggle {
    display: none;
    width: 44px;
    height: 44px;
    background: transparent;
    border: 2px solid var(--caixa-blue);
    border-radius: 8px;
    color: var(--caixa-blue);
    font-size: 18px;
    cursor: pointer;
    transition: var(--transition);
}

.nav-toggle:hover {
    background: var(--caixa-blue);
    color: var(--caixa-white);
}

.nav-toggle:focus-visible {
    outline: 3px solid var(--caixa-orange);
    outline-offset: 2px;
}

.btn-header {
    padding: 12px 24px;
    background: var(--caixa-orange);
    color: var(--caixa-white);
    text-decoration: none;
    border-radius: 8px;
    font-weight: 700;
    font-size: 14px;
    transition: var(--transition);
}

.btn-header:hover {
    background: var(--caixa-orange-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* ======================================
   PAGE SECTIONS
====================================== */
.page-section {
    display: none;
    animation: fadeIn 0.5s ease-in-out;
}

.page-section.active {
    display: block;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ======================================
   HERO
====================================== */
.hero {
    padding: 80px 0;
    background: linear-gradient(135deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
    color: var(--caixa-white);
    position: relative;
    overflow: hidden;
}

/* Setas globais de navegação entre abas (e slides internos do Rapidex) */
.hero-nav-btn,
.hero-stage .hero-nav-btn {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    z-index: 6;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    border: 2px solid rgba(255, 255, 255, 0.7);
    background: rgba(0, 0, 0, 0.28);
    color: #fff;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    backdrop-filter: blur(6px);
    transition: background 0.18s ease, transform 0.18s ease, border-color 0.18s ease;
}
.hero-nav-btn:hover,
.hero-stage .hero-nav-btn:hover {
    background: rgba(243, 146, 0, 0.92);
    border-color: #fff;
}
.hero-nav-btn .icon {
    width: 18px;
    height: 18px;
    fill: currentColor;
}
.hero-nav-btn--prev { left: 16px; }
.hero-nav-btn--next { right: 16px; }
.hero-nav-btn--prev .icon { transform: rotate(180deg); }

/* Hero-stage (Rapidex) tem position:relative já no JS via CSS abaixo —
   garantimos overflow visível para as setas */
.hero-stage { position: relative; }

@media (max-width: 768px) {
    .hero-nav-btn { width: 38px; height: 38px; border-width: 1px; }
    .hero-nav-btn--prev { left: 8px; }
    .hero-nav-btn--next { right: 8px; }
}

.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(243, 146, 0, 0.15) 0%, transparent 70%);
    border-radius: 50%;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(253, 197, 46, 0.1) 0%, transparent 70%);
    border-radius: 50%;
}

.hero-content {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-text {
    max-width: 600px;
}

.hero-badge {
    display: inline-block;
    padding: 8px 16px;
    background: var(--caixa-orange);
    border: 1px solid var(--caixa-orange);
    border-radius: 50px;
    color: var(--caixa-blue-dark);
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 20px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.hero h1 {
    font-size: 44px;
    font-weight: 900;
    line-height: 1.15;
    margin-bottom: 18px;
    letter-spacing: -0.8px;
}

.hero p {
    font-size: 18px;
    margin-bottom: 28px;
    opacity: 0.95;
    line-height: 1.5;
}

.hero-buttons {
    display: flex;
    gap: 16px;
    margin-bottom: 32px;
    flex-wrap: wrap;
}

.btn-primary, .btn-secondary {
    padding: 16px 32px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 700;
    font-size: 16px;
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 10px;
    border: 2px solid transparent;
}

.btn-primary {
    background: var(--caixa-orange);
    color: var(--caixa-white);
    box-shadow: 0 4px 16px rgba(243, 146, 0, 0.4);
}

.btn-primary:hover {
    background: var(--caixa-orange-dark);
    transform: translateY(-3px);
    box-shadow: 0 8px 24px rgba(243, 146, 0, 0.5);
}

.btn-secondary {
    background: rgba(255, 255, 255, 0.1);
    color: var(--caixa-white);
    border: 2px solid var(--caixa-white);
    backdrop-filter: blur(10px);
}

.btn-secondary:hover {
    background: var(--caixa-white);
    color: var(--caixa-blue);
    transform: translateY(-3px);
}

.hero-stats {
    display: flex;
    gap: 32px;
    flex-wrap: wrap;
}

.stat {
    display: flex;
    flex-direction: column;
    border-left: 3px solid var(--caixa-orange);
    padding-left: 16px;
}

.stat strong {
    font-size: 32px;
    font-weight: 900;
    /* #FFE066 atinge 8.2:1 sobre #003F7C (AAA) — amarelo mais claro para legibilidade */
    color: #FFE066;
    text-shadow: 0 1px 2px rgba(0, 0, 0, 0.25);
}

.stat span {
    font-size: 13px;
    opacity: 0.9;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.hero-image {
    display: flex;
    justify-content: center;
    align-items: center;
}

/* Hero modalidade Mulher — foto encosta no rodapé do gradient.
   Margem pequena em cima da cabeça, zero embaixo dos pés. */
.hero[data-modality="mulher"] {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
}

.hero[data-modality="mulher"] .hero-content {
    flex: 1;
    align-items: stretch;         /* célula da foto ocupa altura inteira */
}

.hero[data-modality="mulher"] .hero-text {
    align-self: center;           /* texto continua centralizado verticalmente */
}

.hero[data-modality="mulher"] .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;        /* foto vai pro fundo do container */
    justify-content: center;
    align-self: stretch;          /* coluna ocupa altura total da célula do grid */
    width: 100%;
    height: 100%;
    min-height: 460px;
    padding-top: 12px;            /* respiro mínimo entre topo e cabeça */
}

/* Halo rosa atrás da foto — orgânico, sem definir uma "caixa" */
.hero[data-modality="mulher"] .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.18) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}

.hero-photo {
    width: auto;
    height: auto;
    max-height: 560px;
    max-width: 100%;
    display: block;
    object-fit: contain;
    object-position: center bottom;
    position: relative;
    z-index: 2;
    filter: drop-shadow(0 -8px 24px rgba(136, 14, 79, 0.25));   /* sombra pra cima (não embaixo, onde encosta) */
    animation: heroPhotoIn 0.9s ease 0.1s both;
}

/* Tablet */
@media (max-width: 1024px) {
    .hero[data-modality="mulher"] {
        min-height: 480px;
    }
    .hero[data-modality="mulher"] .hero-image--photo {
        min-height: 420px;
    }
    .hero-photo {
        max-height: 460px;
    }
}

/* Mobile */
@media (max-width: 768px) {
    .hero[data-modality="mulher"] .hero-image--photo {
        min-height: 360px;
    }
    .hero[data-modality="mulher"] .hero-image--photo::before {
        width: 320px;
        height: 320px;
    }
    .hero-photo {
        max-height: 360px;
    }
}

/* ======================================
   Hero modalidade Rural — mesma estrutura da Mulher,
   sombra verde para combinar com o gradient
====================================== */
.hero[data-modality="rural"] {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
}

.hero[data-modality="rural"] .hero-content {
    flex: 1;
    align-items: stretch;
}

.hero[data-modality="rural"] .hero-text {
    align-self: center;
}

.hero[data-modality="rural"] .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
    width: 100%;
    height: 100%;
    min-height: 460px;
    padding-top: 12px;
}

.hero[data-modality="rural"] .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.15) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}

.hero[data-modality="rural"] .hero-photo {
    filter: drop-shadow(0 -8px 24px rgba(27, 94, 32, 0.35));   /* sombra verde escura */
}

@media (max-width: 1024px) {
    .hero[data-modality="rural"] {
        min-height: 480px;
    }
    .hero[data-modality="rural"] .hero-image--photo {
        min-height: 420px;
    }
}

@media (max-width: 768px) {
    .hero[data-modality="rural"] .hero-image--photo {
        min-height: 360px;
    }
    .hero[data-modality="rural"] .hero-image--photo::before {
        width: 320px;
        height: 320px;
    }
}

/* ======================================
   Hero modalidade Lar — mesma estrutura,
   sombra azul para combinar com o gradient azul caixa
====================================== */
.hero[data-modality="lar"] {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
}

.hero[data-modality="lar"] .hero-content {
    flex: 1;
    align-items: stretch;
    grid-template-columns: 1fr 1.15fr;   /* coluna direita maior — imagem do casal é mais larga (proporção 1.07) */
}

.hero[data-modality="lar"] .hero-text {
    align-self: center;
}

.hero[data-modality="lar"] .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
    width: 100%;
    height: 100%;
    min-height: 460px;
    padding-top: 12px;
}

.hero[data-modality="lar"] .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.15) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}

.hero[data-modality="lar"] .hero-photo {
    filter: drop-shadow(0 -8px 24px rgba(0, 63, 124, 0.4));   /* sombra azul caixa */
}

@media (max-width: 1024px) {
    .hero[data-modality="lar"] {
        min-height: 480px;
    }
    .hero[data-modality="lar"] .hero-image--photo {
        min-height: 420px;
    }
}

@media (max-width: 768px) {
    .hero[data-modality="lar"] .hero-image--photo {
        min-height: 360px;
    }
    .hero[data-modality="lar"] .hero-image--photo::before {
        width: 320px;
        height: 320px;
    }
}

/* ======================================
   Hero modalidade Comércio — espelha Rural,
   sombra laranja para combinar com o gradient
====================================== */
.hero[data-modality="comercio"] {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
}

.hero[data-modality="comercio"] .hero-content {
    flex: 1;
    align-items: stretch;
}

.hero[data-modality="comercio"] .hero-text {
    align-self: center;
}

.hero[data-modality="comercio"] .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
    width: 100%;
    height: 100%;
    min-height: 460px;
    padding-top: 12px;
}

.hero[data-modality="comercio"] .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.18) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}

.hero[data-modality="comercio"] .hero-photo {
    filter: drop-shadow(0 -8px 24px rgba(230, 81, 0, 0.4));   /* sombra laranja escura */
}

@media (max-width: 1024px) {
    .hero[data-modality="comercio"] {
        min-height: 480px;
    }
    .hero[data-modality="comercio"] .hero-image--photo {
        min-height: 420px;
    }
}

@media (max-width: 768px) {
    .hero[data-modality="comercio"] .hero-image--photo {
        min-height: 360px;
    }
    .hero[data-modality="comercio"] .hero-image--photo::before {
        width: 320px;
        height: 320px;
    }
}

/* ======================================
   Hero Habitacional — foto da família
   Mesma estrutura dos Rapidex; coluna direita alargada
   pois a imagem é "quadrada" (proporção 1.03)
====================================== */
.hero.hero-habitacional {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
    /* Foto de casa ao fundo + overlay azul Caixa para legibilidade do texto */
    background:
        linear-gradient(100deg, rgba(0, 35, 80, 0.86) 0%, rgba(0, 50, 110, 0.62) 48%, rgba(0, 63, 124, 0.40) 100%),
        var(--hero-img);
    --hero-img: url("images/hero-habitacional-bg-800.webp");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.hero.hero-habitacional .hero-content {
    flex: 1;
    align-items: stretch;
    grid-template-columns: 1fr 1.15fr;   /* coluna direita maior */
}

.hero.hero-habitacional .hero-text {
    align-self: center;
}

.hero.hero-habitacional .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
    width: 100%;
    height: 100%;
    min-height: 460px;
    padding-top: 12px;
}

.hero.hero-habitacional .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    background: radial-gradient(circle, rgba(0, 92, 169, 0.35) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}

.hero.hero-habitacional .hero-photo {
    filter: drop-shadow(0 -8px 24px rgba(0, 63, 124, 0.4));   /* sombra azul caixa */
}

/* Stats em uma linha só (coluna texto fica estreita por causa do grid 1fr 1.15fr) */
@media (min-width: 769px) {
    .hero.hero-habitacional .hero-stats {
        gap: 20px;
        flex-wrap: nowrap;
        align-items: stretch;
    }
    .hero.hero-habitacional .stat strong {
        font-size: 26px;
    }
    .hero.hero-habitacional .stat span {
        font-size: 12px;
    }
}

/* Rapidex (Mulher e Lar): stats numa linha só, como no CAP/Habitacional */
@media (min-width: 769px) {
    .hero-rapidex .hero-stats {
        gap: 16px;
        flex-wrap: nowrap;
        align-items: stretch;
    }
    .hero-rapidex .hero-stats .stat {
        padding-left: 12px;
    }
    .hero-rapidex .hero-stats .stat strong {
        font-size: 22px;
        white-space: nowrap;
    }
    .hero-rapidex .hero-stats .stat span {
        font-size: 11px;
        white-space: nowrap;
    }
}

@media (max-width: 1024px) {
    .hero.hero-habitacional {
        min-height: 480px;
    }
    .hero.hero-habitacional .hero-image--photo {
        min-height: 420px;
    }
}

@media (max-width: 768px) {
    .hero.hero-habitacional .hero-image--photo {
        min-height: 360px;
    }
    .hero.hero-habitacional .hero-image--photo::before {
        width: 320px;
        height: 320px;
    }
}

/* ======================================
   Hero Seguro Amparo — proteção familiar (tom acolhedor)
====================================== */
.hero.hero-seguro {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
    /* Foto de casa ao fundo + overlay azul Caixa para legibilidade */
    background:
        linear-gradient(100deg, rgba(0, 35, 80, 0.86) 0%, rgba(0, 50, 110, 0.62) 48%, rgba(0, 63, 124, 0.40) 100%),
        var(--hero-img);
    --hero-img: url("images/hero-seguro-bg-800.webp");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    color: #fff;
}
.hero.hero-seguro .hero-content {
    flex: 1;
    align-items: stretch;
    grid-template-columns: 1fr 1.15fr;
}
.hero.hero-seguro .hero-text { align-self: center; }
.hero.hero-seguro .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
    width: 100%;
    min-height: 460px;
    padding-top: 12px;
}
.hero.hero-seguro .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px; height: 460px;
    background: radial-gradient(circle, rgba(255,255,255,0.18) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%; left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}
.hero.hero-seguro .hero-photo {
    filter: drop-shadow(0 -8px 24px rgba(0, 63, 124, 0.4));
}
@media (max-width: 1024px) {
    .hero.hero-seguro { min-height: 480px; }
    .hero.hero-seguro .hero-image--photo { min-height: 420px; }
}
@media (max-width: 768px) {
    .hero.hero-seguro .hero-image--photo { min-height: 360px; }
    .hero.hero-seguro .hero-image--photo::before { width: 320px; height: 320px; }
}

/* ======================================
   Hero Consórcio — foto do casal (proporção 1.30, bem horizontal)
   Estrutura igual aos outros, coluna direita ainda mais larga
====================================== */
.hero.hero-consorcio {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
}

.hero.hero-consorcio .hero-content {
    flex: 1;
    align-items: stretch;
    grid-template-columns: 1fr 1.15fr;     /* padrão — coluna esquerda comporta os 3 stats */
}

/* Foto do Consórcio: imagem original (1093x840, horizontal); permite leve overflow lateral pra não cortar */
.hero.hero-consorcio .hero-photo {
    max-width: 115%;
    width: 115%;
    object-fit: contain;
    object-position: bottom right;
}

.hero.hero-consorcio .hero-text {
    align-self: center;
}

.hero.hero-consorcio .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
    width: 100%;
    height: 100%;
    min-height: 460px;
    padding-top: 12px;
}

.hero.hero-consorcio .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.15) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}

.hero.hero-consorcio .hero-photo {
    filter: drop-shadow(0 -8px 24px rgba(0, 63, 124, 0.4));   /* sombra azul caixa */
}

@media (max-width: 1024px) {
    .hero.hero-consorcio {
        min-height: 480px;
    }
    .hero.hero-consorcio .hero-image--photo {
        min-height: 420px;
    }
}

@media (max-width: 768px) {
    .hero.hero-consorcio .hero-image--photo {
        min-height: 360px;
    }
    .hero.hero-consorcio .hero-image--photo::before {
        width: 320px;
        height: 320px;
    }
}

/* ======================================
   Hero INSS — foto do casal aposentado (proporção 1.08)
====================================== */
.hero.hero-inss {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
    /* Foto de casa de campo ao fundo + overlay azul Caixa para legibilidade */
    background:
        linear-gradient(100deg, rgba(0, 35, 80, 0.86) 0%, rgba(0, 50, 110, 0.62) 48%, rgba(0, 63, 124, 0.40) 100%),
        var(--hero-img);
    --hero-img: url("images/hero-inss-bg-800.webp");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.hero.hero-inss .hero-content {
    flex: 1;
    align-items: stretch;
    grid-template-columns: 1fr 1.15fr;
}

.hero.hero-inss .hero-text {
    align-self: center;
}

.hero.hero-inss .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
    width: 100%;
    height: 100%;
    min-height: 460px;
    padding-top: 12px;
}

.hero.hero-inss .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.15) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}

.hero.hero-inss .hero-photo {
    filter: drop-shadow(0 -8px 24px rgba(0, 63, 124, 0.4));
}

@media (max-width: 1024px) {
    .hero.hero-inss { min-height: 480px; }
    .hero.hero-inss .hero-image--photo { min-height: 420px; }
}

@media (max-width: 768px) {
    .hero.hero-inss .hero-image--photo { min-height: 360px; }
    .hero.hero-inss .hero-image--photo::before { width: 320px; height: 320px; }
}

/* ======================================
   Hero Servidor — foto do servidor com camisa azul (proporção 0.73)
   Imagem mais vertical, padrão 1.2fr 1fr (como Mulher/Rural/Comércio)
====================================== */
.hero.hero-servidor {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
    /* Foto do centro administrativo público ao fundo + overlay azul Caixa */
    background:
        linear-gradient(100deg, rgba(0, 35, 80, 0.86) 0%, rgba(0, 50, 110, 0.62) 48%, rgba(0, 63, 124, 0.40) 100%),
        var(--hero-img);
    --hero-img: url("images/hero-servidor-bg-800.webp");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.hero.hero-servidor .hero-content {
    flex: 1;
    align-items: stretch;
}

.hero.hero-servidor .hero-text {
    align-self: center;
}

.hero.hero-servidor .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
    width: 100%;
    height: 100%;
    min-height: 460px;
    padding-top: 12px;
}

.hero.hero-servidor .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.15) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}

.hero.hero-servidor .hero-photo {
    filter: drop-shadow(0 -8px 24px rgba(0, 63, 124, 0.4));
}

@media (max-width: 1024px) {
    .hero.hero-servidor { min-height: 480px; }
    .hero.hero-servidor .hero-image--photo { min-height: 420px; }
}

@media (max-width: 768px) {
    .hero.hero-servidor .hero-image--photo { min-height: 360px; }
    .hero.hero-servidor .hero-image--photo::before { width: 320px; height: 320px; }
}

/* ======================================
   Hero Cartão — foto da mulher com cartão (proporção 0.79, vertical)
====================================== */
.hero.hero-cartao {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
    /* Foto de rua comercial ao fundo + overlay azul Caixa para legibilidade */
    background:
        linear-gradient(100deg, rgba(0, 35, 80, 0.86) 0%, rgba(0, 50, 110, 0.62) 48%, rgba(0, 63, 124, 0.40) 100%),
        var(--hero-img);
    --hero-img: url("images/hero-cartao-bg-800.webp");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.hero.hero-cartao .hero-content {
    flex: 1;
    align-items: stretch;
}

.hero.hero-cartao .hero-text {
    align-self: center;
}

.hero.hero-cartao .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
    width: 100%;
    height: 100%;
    min-height: 460px;
    padding-top: 12px;
}

.hero.hero-cartao .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.15) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}

.hero.hero-cartao .hero-photo {
    filter: drop-shadow(0 -8px 24px rgba(0, 63, 124, 0.4));
}

@media (max-width: 1024px) {
    .hero.hero-cartao { min-height: 480px; }
    .hero.hero-cartao .hero-image--photo { min-height: 420px; }
}

@media (max-width: 768px) {
    .hero.hero-cartao .hero-image--photo { min-height: 360px; }
    .hero.hero-cartao .hero-image--photo::before { width: 320px; height: 320px; }
}

/* ======================================
   Hero CAP — foto da mulher com título (proporção 0.76, vertical)
====================================== */
.hero.hero-cap {
    min-height: 520px;
    padding: 48px 0 0;
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
    /* Foto à beira-mar ao entardecer ao fundo + overlay azul Caixa */
    background:
        linear-gradient(100deg, rgba(0, 35, 80, 0.86) 0%, rgba(0, 50, 110, 0.62) 48%, rgba(0, 63, 124, 0.40) 100%),
        var(--hero-img);
    --hero-img: url("images/hero-cap-bg-800.webp");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.hero.hero-cap .hero-content {
    flex: 1;
    align-items: stretch;
}

.hero.hero-cap .hero-text {
    align-self: center;
}

.hero.hero-cap .hero-image--photo {
    position: relative;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
    width: 100%;
    height: 100%;
    min-height: 460px;
    padding-top: 12px;
}

.hero.hero-cap .hero-image--photo::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    background: radial-gradient(circle, rgba(253, 197, 46, 0.2) 0%, transparent 60%);
    border-radius: 50%;
    z-index: 1;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    filter: blur(28px);
    pointer-events: none;
}

.hero.hero-cap .hero-photo {
    filter: drop-shadow(0 -8px 24px rgba(0, 63, 124, 0.4));
}

@media (max-width: 1024px) {
    .hero.hero-cap { min-height: 480px; }
    .hero.hero-cap .hero-image--photo { min-height: 420px; }
}

@media (max-width: 768px) {
    .hero.hero-cap .hero-image--photo { min-height: 360px; }
    .hero.hero-cap .hero-image--photo::before { width: 320px; height: 320px; }
}

@keyframes heroPhotoIn {
    from { opacity: 0; transform: translateY(20px) scale(0.96); }
    to   { opacity: 1; transform: translateY(0) scale(1); }
}

@media (prefers-reduced-motion: reduce) {
    .hero-photo { animation: none; }
}

.hero-card,
.hero-card-slide {
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    padding: 40px;
    border-radius: 20px;
    text-align: center;
    max-width: 380px;
    width: 100%;
    transition: var(--transition);
}

.hero-card:hover {
    transform: translateY(-8px);
    background: rgba(255, 255, 255, 0.15);
}

.hero-card .icon,
.hero-card-slide .icon {
    width: 64px;
    height: 64px;
    color: var(--caixa-orange);
    margin-bottom: 20px;
}

.hero-card h3,
.hero-card-slide h3 {
    font-size: 24px;
    margin-bottom: 12px;
    font-weight: 700;
}

.hero-card p,
.hero-card-slide p {
    font-size: 16px;
    opacity: 0.9;
    margin: 0;
}

/* ======================================
   HERO STAGE — carrossel do hero inteiro (modalidades Rapidex)
====================================== */
.hero-stage {
    position: relative;
    isolation: isolate;
    overflow: hidden;       /* esconde os slides fora da janela visível */
}

.hero-stage-track {
    display: flex;
    flex-wrap: nowrap;
    width: 100%;
    transition: transform 0.7s cubic-bezier(0.65, 0, 0.35, 1);
    will-change: transform;
}

.hero-stage .hero-slide {
    flex: 0 0 100%;
    width: 100%;
    min-width: 0;
    /* Sem opacity/transform individuais — o track inteiro desliza */
}

@media (prefers-reduced-motion: reduce) {
    .hero-stage-track {
        transition: none !important;
    }
}

/* ======================================
   CORES POR MODALIDADE
   (sobrescrevem o gradient padrão do .hero)
====================================== */

/* Rapidex Mulher — rosa/magenta com foto de rodovia ao fundo */
.hero-slide[data-modality="mulher"] {
    background:
        linear-gradient(100deg, rgba(173, 20, 87, 0.88) 0%, rgba(194, 24, 91, 0.62) 48%, rgba(233, 30, 99, 0.38) 100%),
        var(--hero-img);
    --hero-img: url("images/hero-rapidex-mulher-bg-800.webp");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}
.hero-slide[data-modality="mulher"]::before {
    background: radial-gradient(circle, rgba(255, 209, 220, 0.25) 0%, transparent 70%);
}
.hero-slide[data-modality="mulher"]::after {
    background: radial-gradient(circle, rgba(252, 228, 236, 0.18) 0%, transparent 70%);
}
.hero-slide[data-modality="mulher"] .hero-badge {
    background: rgba(255, 255, 255, 0.18);
    color: #FFE4EC;
}

/* Rapidex Rural — verde natureza */
.hero-slide[data-modality="rural"] {
    background: linear-gradient(135deg, #2E7D32 0%, #1B5E20 100%);
}
.hero-slide[data-modality="rural"]::before {
    background: radial-gradient(circle, rgba(165, 214, 167, 0.22) 0%, transparent 70%);
}
.hero-slide[data-modality="rural"]::after {
    background: radial-gradient(circle, rgba(232, 245, 233, 0.15) 0%, transparent 70%);
}
.hero-slide[data-modality="rural"] .hero-badge {
    background: rgba(255, 255, 255, 0.18);
    color: #E8F5E9;
}

/* Rapidex do Lar — azul caixa com foto de casa ao fundo */
.hero-slide[data-modality="lar"] {
    background:
        linear-gradient(100deg, rgba(0, 35, 80, 0.86) 0%, rgba(0, 50, 110, 0.62) 48%, rgba(0, 63, 124, 0.40) 100%),
        var(--hero-img);
    --hero-img: url("images/hero-rapidex-lar-bg-800.webp");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

/* Rapidex Comércio — laranja/dourado (vendas, prosperidade) */
.hero-slide[data-modality="comercio"] {
    background: linear-gradient(135deg, #F57C00 0%, #E65100 100%);
}
.hero-slide[data-modality="comercio"]::before {
    background: radial-gradient(circle, rgba(255, 224, 178, 0.22) 0%, transparent 70%);
}
.hero-slide[data-modality="comercio"]::after {
    background: radial-gradient(circle, rgba(255, 243, 224, 0.15) 0%, transparent 70%);
}
.hero-slide[data-modality="comercio"] .hero-badge {
    background: rgba(255, 255, 255, 0.18);
    color: #FFF8E1;
}

/* Controles (dots) abaixo do hero */
.hero-stage-controls {
    position: relative;
    background: linear-gradient(180deg, rgba(0,63,124,0.04) 0%, transparent 100%);
    padding: 16px 0 20px;
    margin-top: -8px;
}

.hero-stage-dots {
    display: flex;
    justify-content: center;
    gap: 10px;
}

.hero-stage-dots .dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    border: 0;
    padding: 0;
    background: rgba(0, 92, 169, 0.25);
    cursor: pointer;
    transition: background 0.3s ease, transform 0.3s ease, width 0.3s ease;
}

.hero-stage-dots .dot:hover {
    background: rgba(0, 92, 169, 0.5);
}

.hero-stage-dots .dot.active {
    background: var(--caixa-orange);
    width: 28px;
    border-radius: 6px;
}

.hero-stage-dots .dot:focus-visible {
    outline: 3px solid var(--caixa-orange);
    outline-offset: 3px;
}

.consignado-card {
    position: relative;
}

.consignado-badge {
    margin-top: 20px;
    padding: 8px 16px;
    background: var(--caixa-orange);
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    display: inline-block;
}

/* CARTÃO DE CRÉDITO IMAGEM */
.credit-card {
    width: 100%;
    max-width: 400px;
    aspect-ratio: 1.6 / 1;
    background: linear-gradient(135deg, #1a1a1a 0%, #2d2d2d 50%, var(--caixa-blue-dark) 100%);
    border-radius: 20px;
    padding: 30px;
    box-shadow: var(--shadow-lg);
    position: relative;
    color: white;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.credit-card::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, transparent 50%, rgba(243, 146, 0, 0.2) 100%);
    border-radius: 20px;
}

.card-chip {
    width: 50px;
    height: 38px;
    background: linear-gradient(135deg, var(--caixa-yellow) 0%, var(--caixa-orange) 100%);
    border-radius: 6px;
    position: relative;
    z-index: 2;
}

.card-number {
    font-size: 24px;
    font-weight: 700;
    letter-spacing: 2px;
    z-index: 2;
    position: relative;
}

.card-info {
    display: flex;
    justify-content: space-between;
    align-items: center;
    z-index: 2;
    position: relative;
}

.card-info span {
    font-size: 14px;
    font-weight: 700;
    letter-spacing: 1px;
}

.card-info .icon {
    width: 32px;
    height: 32px;
    color: var(--caixa-orange);
}

/* ======================================
   HERO SLIDER (Rapidex slides)
====================================== */
/* (Bloco .hero-slider/.slide antigo foi removido — substituído pelo .hero-card-slider) */

/* ======================================
   TRUST STRIP — usado na página INSS (selo de autoridade/segurança)
====================================== */
.trust-strip {
    background: linear-gradient(135deg, #003F7C 0%, #005CA9 100%);
    color: var(--caixa-white);
    padding: 28px 0;
    border-top: 3px solid var(--caixa-yellow);
    border-bottom: 3px solid var(--caixa-yellow);
}

.trust-strip-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    align-items: center;
}

.trust-strip-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 4px;
    padding: 0 12px;
    border-left: 1px solid rgba(255, 255, 255, 0.18);
}

.trust-strip-item:first-child { border-left: none; }

.trust-strip-item .icon {
    width: 32px;
    height: 32px;
    color: var(--caixa-yellow);
    margin-bottom: 6px;
}

.trust-strip-item strong {
    font-size: 16px;
    font-weight: 900;
    color: var(--caixa-white);
}

.trust-strip-item span {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.88);
    line-height: 1.4;
}

@media (max-width: 768px) {
    .trust-strip-grid { grid-template-columns: 1fr; }
    .trust-strip-item { border-left: none; border-bottom: 1px solid rgba(255, 255, 255, 0.18); padding: 14px 0; }
    .trust-strip-item:last-child { border-bottom: none; }
}

/* ======================================
   PORTABILITY — usado na página Servidor (bloco de portabilidade)
====================================== */
.portability-section {
    padding: 80px 0;
    background: linear-gradient(135deg, #FFF4E5 0%, #FFE8C7 100%);
}

.portability-grid {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 56px;
    align-items: center;
    background: var(--caixa-white);
    padding: 48px;
    border-radius: 20px;
    box-shadow: 0 12px 40px rgba(243, 146, 0, 0.18);
    border: 1px solid rgba(243, 146, 0, 0.25);
}

.portability-tag {
    display: inline-block;
    padding: 6px 14px;
    background: var(--caixa-orange);
    color: var(--caixa-white);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.8px;
    text-transform: uppercase;
    border-radius: 999px;
    margin-bottom: 16px;
}

.portability-content h2 {
    font-size: 28px;
    color: var(--caixa-blue);
    margin-bottom: 16px;
    font-weight: 900;
    line-height: 1.25;
}

.portability-content p {
    font-size: 15px;
    line-height: 1.7;
    color: var(--caixa-text);
    margin-bottom: 20px;
}

.portability-content strong {
    color: var(--caixa-orange-dark);
    font-weight: 800;
}

.portability-list {
    list-style: none;
    padding: 0;
    margin: 0 0 28px;
}

.portability-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 8px 0;
    font-size: 15px;
    color: var(--caixa-text);
}

.portability-list .icon {
    width: 18px;
    height: 18px;
    color: var(--caixa-orange);
    flex-shrink: 0;
    margin-top: 3px;
}

.portability-illustration {
    display: flex;
    justify-content: center;
    align-items: center;
}

.portability-illustration .icon {
    width: 160px;
    height: 160px;
    color: var(--caixa-orange);
    filter: drop-shadow(0 12px 32px rgba(243, 146, 0, 0.4));
}

@media (max-width: 1024px) {
    .portability-grid { padding: 40px 32px; gap: 40px; }
}

@media (max-width: 768px) {
    .portability-section { padding: 56px 0; }
    .portability-grid {
        grid-template-columns: 1fr;
        padding: 32px 24px;
        gap: 32px;
        text-align: center;
    }
    .portability-illustration .icon { width: 120px; height: 120px; }
    .portability-list li { text-align: left; }
    .portability-content h2 { font-size: 22px; }
}

/* ============================================================
   REDESIGN — benefits-section--wrapped (INSS / Servidor / Cartão)
   "Stacked Tiles": header colorido categórico + corpo branco
============================================================ */
.benefits-section--wrapped {
    background: var(--caixa-white);
}

.benefits-section--wrapped .benefits-wrapper {
    background: linear-gradient(180deg, #FFFFFF 0%, var(--caixa-gray) 100%);
    border: 1px solid #E6ECF3;
    border-radius: 24px;
    box-shadow: 0 24px 60px -32px rgba(0, 63, 124, .25);
    padding: 64px 48px;
}

.benefits-section--wrapped .section-title { margin-bottom: 8px; }
.benefits-section--wrapped .section-subtitle { margin-bottom: 40px; }

/* Card base — vira "tile" com header colorido + corpo branco */
.benefits-section--wrapped .benefit-card {
    position: relative;
    display: flex;
    flex-direction: column;
    background: var(--caixa-white);
    border: 1px solid #E6ECF3;
    border-radius: 16px;
    padding: 0;                          /* padding agora vive nas partes internas */
    overflow: hidden;
    text-align: left;
    box-shadow: 0 2px 8px rgba(0, 63, 124, .04);
    transition: transform .35s cubic-bezier(.2,.8,.2,1),
                box-shadow .35s ease,
                border-color .35s ease;
    animation: benefitRise .55s cubic-bezier(.2,.8,.2,1) both;
}

.benefits-section--wrapped .benefit-card:nth-child(1) { animation-delay: .00s; }
.benefits-section--wrapped .benefit-card:nth-child(2) { animation-delay: .08s; }
.benefits-section--wrapped .benefit-card:nth-child(3) { animation-delay: .16s; }
.benefits-section--wrapped .benefit-card:nth-child(4) { animation-delay: .24s; }

@keyframes benefitRise {
    from { opacity: 0; transform: translateY(14px); }
    to   { opacity: 1; transform: translateY(0); }
}

@media (prefers-reduced-motion: reduce) {
    .benefits-section--wrapped .benefit-card { animation: none; }
}

/* Header colorido — strip superior com ícone grande em tile arredondado */
.benefits-section--wrapped .benefit-card .benefit-icon {
    width: 100%;
    height: 112px;
    margin: 0;
    border-radius: 0;
    display: flex;
    align-items: center;
    justify-content: flex-start;
    padding: 24px;
    position: relative;
    background: linear-gradient(135deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
    box-shadow: inset 0 -1px 0 rgba(0, 0, 0, .08);
    box-sizing: border-box;
}

/* Tile semi-transparente que segura o ícone */
.benefits-section--wrapped .benefit-card .benefit-icon::after {
    content: "";
    position: absolute;
    top: 24px;
    left: 24px;
    width: 64px;
    height: 64px;
    border-radius: 14px;
    background: rgba(255, 255, 255, .16);
    border: 1px solid rgba(255, 255, 255, .28);
    backdrop-filter: blur(2px);
}

.benefits-section--wrapped .benefit-card .benefit-icon .icon {
    position: relative;
    width: 32px;
    height: 32px;
    margin: 16px 0 0 16px;
    color: var(--caixa-yellow);
    z-index: 1;
    transition: transform .35s cubic-bezier(.2,.8,.2,1);
}

/* Corpo — branco, conteúdo institucional */
.benefits-section--wrapped .benefit-card h3 {
    margin: 20px 24px 8px;
    color: var(--caixa-blue-dark);
    font-size: 18px;
    font-weight: 800;
    line-height: 1.25;
    letter-spacing: -0.01em;
}

.benefits-section--wrapped .benefit-card p {
    margin: 0 24px 20px;
    color: var(--caixa-gray-dark);
    font-size: 14.5px;
    line-height: 1.6;
    flex: 1;
}

/* Linha-âncora colorida no rodapé do corpo (eco do header) */
.benefits-section--wrapped .benefit-card::after {
    content: "";
    display: block;
    height: 4px;
    background: var(--caixa-orange);
    transform: scaleX(.18);
    transform-origin: left center;
    transition: transform .45s cubic-bezier(.2,.8,.2,1);
}

/* ----- 4 TIERS CROMÁTICOS (institucionais Caixa) ----- */
/* Tier 1 — Azul Caixa primário */
.benefits-section--wrapped .benefit-card--t1 .benefit-icon {
    background: linear-gradient(135deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
}
.benefits-section--wrapped .benefit-card--t1::after { background: var(--caixa-blue); }

/* Tier 2 — Azul escuro premium */
.benefits-section--wrapped .benefit-card--t2 .benefit-icon {
    background: linear-gradient(135deg, var(--caixa-blue-dark) 0%, #002a55 100%);
}
.benefits-section--wrapped .benefit-card--t2::after { background: var(--caixa-blue-dark); }

/* Tier 3 — Laranja Caixa (energia) */
.benefits-section--wrapped .benefit-card--t3 .benefit-icon {
    background: linear-gradient(135deg, var(--caixa-orange) 0%, var(--caixa-orange-dark) 100%);
}
.benefits-section--wrapped .benefit-card--t3 .benefit-icon .icon { color: var(--caixa-white); }
.benefits-section--wrapped .benefit-card--t3::after { background: var(--caixa-orange); }

/* Tier 4 — Mostarda (amarelo Caixa, escurecido p/ contraste WCAG AA) */
.benefits-section--wrapped .benefit-card--t4 .benefit-icon {
    background: linear-gradient(135deg, var(--caixa-yellow) 0%, #E0A800 100%);
}
.benefits-section--wrapped .benefit-card--t4 .benefit-icon .icon { color: var(--caixa-blue-dark); }
.benefits-section--wrapped .benefit-card--t4 .benefit-icon::after {
    background: rgba(0, 63, 124, .10);
    border-color: rgba(0, 63, 124, .22);
}
.benefits-section--wrapped .benefit-card--t4::after { background: var(--caixa-yellow); }

/* Pílula-tag categórica */
.benefits-section--wrapped .benefit-card .benefit-tag {
    position: absolute;
    top: 16px;
    right: 16px;
    padding: 4px 10px;
    border-radius: 999px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
    background: rgba(255, 255, 255, .18);
    color: var(--caixa-white);
    border: 1px solid rgba(255, 255, 255, .32);
    z-index: 2;
}

.benefits-section--wrapped .benefit-card--t4 .benefit-tag {
    background: rgba(0, 63, 124, .12);
    color: var(--caixa-blue-dark);
    border-color: rgba(0, 63, 124, .25);
}

/* Hover — eleva, intensifica, expande a barra do rodapé */
.benefits-section--wrapped .benefit-card:hover {
    transform: translateY(-6px);
    border-color: #D6DEE8;
    box-shadow: 0 22px 44px -18px rgba(0, 63, 124, .28);
}

.benefits-section--wrapped .benefit-card:hover::after { transform: scaleX(1); }
.benefits-section--wrapped .benefit-card:hover .benefit-icon .icon { transform: scale(1.06); }

/* Acessibilidade */
.benefits-section--wrapped .benefit-card:focus-within {
    outline: 3px solid var(--caixa-orange);
    outline-offset: 4px;
}

/* Responsivo */
@media (max-width: 1024px) {
    .benefits-section--wrapped .benefits-wrapper { padding: 48px 32px; }
    .benefits-section--wrapped .benefit-card .benefit-icon { height: 100px; padding: 20px; }
    .benefits-section--wrapped .benefit-card .benefit-icon::after { top: 20px; left: 20px; }
}

@media (max-width: 768px) {
    .benefits-section--wrapped .benefits-wrapper { padding: 40px 20px; border-radius: 18px; }
    .benefits-section--wrapped .benefit-card h3 { font-size: 17px; margin: 18px 20px 6px; }
    .benefits-section--wrapped .benefit-card p { margin: 0 20px 18px; }
    .benefits-section--wrapped .benefit-card .benefit-icon { height: 92px; padding: 18px; }
    .benefits-section--wrapped .benefit-card .benefit-icon::after { top: 18px; left: 18px; width: 56px; height: 56px; }
    .benefits-section--wrapped .benefit-card .benefit-icon .icon { width: 28px; height: 28px; margin: 14px 0 0 14px; }
    .benefits-section--wrapped .benefit-card .benefit-tag { top: 12px; right: 12px; font-size: 10px; }
}

/* ======================================
   Páginas com 4 cards de benefícios — grid 4 colunas
====================================== */
#page-servidor .benefits-grid,
#page-cartao .benefits-grid,
#page-seguro .benefits-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

#page-inss .benefits-grid--two {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 24px;
    max-width: 760px;
    margin: 0 auto;
}

#page-servidor .benefits-grid--single,
#page-cartao .benefits-grid--single {
    grid-template-columns: minmax(0, 1fr);
    gap: 24px;
    max-width: 520px;
    margin: 0 auto;
}

@media (max-width: 1024px) {
    #page-servidor .benefits-grid,
    #page-cartao .benefits-grid,
    #page-seguro .benefits-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 600px) {
    #page-servidor .benefits-grid,
    #page-cartao .benefits-grid,
    #page-seguro .benefits-grid,
    #page-inss .benefits-grid--two { grid-template-columns: 1fr; }
}

/* ======================================
   FAQ — usado em Consórcio (Dúvidas frequentes)
====================================== */
.faq-section {
    padding: 80px 0;
    background: var(--caixa-white);
}

.faq-list {
    max-width: 820px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    background: var(--caixa-white);
    border: 1px solid #E0E5EC;
    border-radius: 12px;
    padding: 0;
    transition: var(--transition);
    overflow: hidden;
}

.faq-item[open] {
    border-color: var(--caixa-orange);
    box-shadow: 0 8px 24px rgba(0, 92, 169, 0.08);
}

.faq-item summary {
    padding: 20px 56px 20px 24px;
    cursor: pointer;
    font-weight: 700;
    color: var(--caixa-blue);
    font-size: 16px;
    list-style: none;
    position: relative;
    transition: var(--transition);
}

.faq-item summary::-webkit-details-marker { display: none; }

.faq-item summary::after {
    content: "+";
    position: absolute;
    right: 24px;
    top: 50%;
    transform: translateY(-50%);
    width: 28px;
    height: 28px;
    line-height: 26px;
    text-align: center;
    background: var(--caixa-blue);
    color: var(--caixa-white);
    border-radius: 50%;
    font-size: 20px;
    font-weight: 700;
    transition: transform 0.3s ease, background 0.3s ease;
}

.faq-item[open] summary::after {
    content: "−";
    background: var(--caixa-orange);
    transform: translateY(-50%) rotate(180deg);
}

.faq-item summary:hover {
    background: rgba(0, 92, 169, 0.03);
}

.faq-item p {
    padding: 0 24px 24px;
    color: var(--caixa-gray-dark);
    font-size: 15px;
    line-height: 1.7;
    margin: 0;
}

@media (max-width: 768px) {
    .faq-section { padding: 56px 0; }
    .faq-item summary { padding: 18px 52px 18px 20px; font-size: 15px; }
    .faq-item p { padding: 0 20px 20px; font-size: 14px; }
}

/* ======================================
   OBJECTIVE SECTION — "Escolha seu objetivo" do Consórcio
   Design showcase: cards verticais editoriais com valor em destaque
====================================== */
.objective-section {
    padding: 80px 0;
    background: var(--caixa-white);
}

.objective-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    margin-top: 48px;
}

.objective-card {
    position: relative;
    display: flex;
    flex-direction: column;
    background: var(--caixa-white);
    border: 1px solid #E6ECF3;
    border-radius: 18px;
    padding: 32px 28px 28px;
    overflow: hidden;
    transition: transform .35s cubic-bezier(.2,.8,.2,1),
                box-shadow .35s ease,
                border-color .35s ease;
    box-shadow: 0 2px 8px rgba(0, 63, 124, .04);
}

/* Decoração de canto (forma orgânica colorida) */
.objective-card::before {
    content: "";
    position: absolute;
    top: -60px;
    right: -60px;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    opacity: 0.08;
    transition: opacity .35s ease, transform .5s ease;
    pointer-events: none;
}

.objective-card > * { position: relative; z-index: 1; }

.objective-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 24px 48px -16px rgba(0, 63, 124, .25);
    border-color: transparent;
}

.objective-card:hover::before {
    opacity: 0.15;
    transform: scale(1.15);
}

/* Ícone grande no topo, em quadrado tint colorido */
.objective-card-icon {
    width: 64px;
    height: 64px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    transition: transform .35s ease;
}

.objective-card:hover .objective-card-icon {
    transform: scale(1.08) rotate(-3deg);
}

.objective-card-icon .icon {
    width: 32px;
    height: 32px;
}

/* Tag categoria pequena */
.objective-card-tag {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--caixa-gray-dark);
    margin-bottom: 6px;
}

.objective-card h3 {
    font-size: 22px;
    font-weight: 900;
    color: var(--caixa-blue-dark);
    margin: 0 0 16px;
    letter-spacing: -0.01em;
    line-height: 1.15;
}

/* Valor em destaque — pequeno label + número grande */
.objective-card-value {
    display: flex;
    flex-direction: column;
    gap: 2px;
    padding: 12px 0;
    border-top: 1px solid #EEF1F5;
    border-bottom: 1px solid #EEF1F5;
    margin-bottom: 16px;
}

.objective-card-value span {
    font-size: 12px;
    color: var(--caixa-gray-dark);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    font-weight: 600;
}

.objective-card-value strong {
    font-size: 24px;
    font-weight: 900;
    line-height: 1.1;
    letter-spacing: -0.02em;
}

.objective-card p {
    font-size: 14px;
    line-height: 1.55;
    color: var(--caixa-gray-dark);
    margin: 0 0 20px;
    flex: 1;
}

/* Link de ação no rodapé */
.objective-card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 14px;
    font-weight: 700;
    text-decoration: none;
    margin-top: auto;
    transition: gap .3s ease, color .3s ease;
}

.objective-card-link .icon {
    width: 14px;
    height: 14px;
    transition: transform .3s ease;
}

.objective-card-link:hover {
    gap: 12px;
}

.objective-card-link:hover .icon {
    transform: translateX(2px);
}

/* ----- 4 categorias com cores temáticas ----- */
/* Auto — azul Caixa (mobilidade urbana) */
.objective-card--auto::before { background: var(--caixa-blue); }
.objective-card--auto .objective-card-icon {
    background: linear-gradient(135deg, rgba(0, 92, 169, 0.12) 0%, rgba(0, 92, 169, 0.04) 100%);
    border: 1px solid rgba(0, 92, 169, 0.18);
}
.objective-card--auto .objective-card-icon .icon { color: var(--caixa-blue); }
.objective-card--auto .objective-card-value strong { color: var(--caixa-blue); }
.objective-card--auto .objective-card-link { color: var(--caixa-blue); }

/* Moto — laranja Caixa (energia, velocidade) */
.objective-card--moto::before { background: var(--caixa-orange); }
.objective-card--moto .objective-card-icon {
    background: linear-gradient(135deg, rgba(243, 146, 0, 0.14) 0%, rgba(243, 146, 0, 0.04) 100%);
    border: 1px solid rgba(243, 146, 0, 0.22);
}
.objective-card--moto .objective-card-icon .icon { color: var(--caixa-orange); }
.objective-card--moto .objective-card-value strong { color: var(--caixa-orange-dark); }
.objective-card--moto .objective-card-link { color: var(--caixa-orange-dark); }

/* Imóvel — verde (estabilidade, casa, FGTS) */
.objective-card--imovel::before { background: #2E7D32; }
.objective-card--imovel .objective-card-icon {
    background: linear-gradient(135deg, rgba(46, 125, 50, 0.12) 0%, rgba(46, 125, 50, 0.04) 100%);
    border: 1px solid rgba(46, 125, 50, 0.20);
}
.objective-card--imovel .objective-card-icon .icon { color: #2E7D32; }
.objective-card--imovel .objective-card-value strong { color: #1B5E20; }
.objective-card--imovel .objective-card-link { color: #1B5E20; }

/* Empresarial — dourado (negócios, prosperidade) */
.objective-card--empresa::before { background: #B8860B; }
.objective-card--empresa .objective-card-icon {
    background: linear-gradient(135deg, rgba(184, 134, 11, 0.14) 0%, rgba(184, 134, 11, 0.04) 100%);
    border: 1px solid rgba(184, 134, 11, 0.22);
}
.objective-card--empresa .objective-card-icon .icon { color: #B8860B; }
.objective-card--empresa .objective-card-value strong { color: #8B6508; }
.objective-card--empresa .objective-card-link { color: #8B6508; }

/* Acessibilidade focus */
.objective-card-link:focus-visible {
    outline: 3px solid var(--caixa-orange);
    outline-offset: 4px;
    border-radius: 4px;
}

/* Responsivo */
@media (max-width: 1024px) {
    .objective-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }
}

@media (max-width: 600px) {
    .objective-section { padding: 56px 0; }
    .objective-grid { grid-template-columns: 1fr; }
    .objective-card { padding: 28px 24px 24px; }
}

/* ======================================
   PÁGINA HABITACIONAL — Blocos da reorganização (storytelling)
====================================== */

/* "Confiança que você merece" — prova social numérica institucional */
.hab-confidence-section {
    padding: 80px 0;
    background: linear-gradient(180deg, var(--caixa-white) 0%, var(--caixa-gray) 100%);
}

.hab-confidence-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    max-width: 1100px;
    margin: 48px auto 0;
}

.hab-confidence-stat {
    background: var(--caixa-white);
    border: 1px solid #E6ECF3;
    border-radius: 16px;
    padding: 32px 20px;
    text-align: center;
    transition: var(--transition);
    box-shadow: 0 2px 8px rgba(0, 63, 124, 0.04);
}

.hab-confidence-stat:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 32px -16px rgba(0, 63, 124, 0.25);
    border-color: var(--caixa-orange);
}

.hab-confidence-stat strong {
    display: block;
    font-size: 36px;
    font-weight: 900;
    color: var(--caixa-blue);
    line-height: 1.1;
    margin-bottom: 6px;
    letter-spacing: -0.5px;
}

.hab-confidence-stat span {
    font-size: 13px;
    color: var(--caixa-gray-dark);
    line-height: 1.4;
    text-transform: uppercase;
    letter-spacing: 0.4px;
    font-weight: 600;
}

/* Depoimentos Habitacional — reutiliza .testimonial / .testimonials-grid existentes */
.hab-testimonials-section {
    padding: 80px 0;
    background: var(--caixa-white);
}

.hab-testimonials-section .testimonials-grid {
    margin-top: 48px;
}

.testimonials-disclaimer {
    margin-top: 32px;
    text-align: center;
    font-size: 13px;
    color: var(--caixa-gray-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-style: italic;
}

.testimonials-disclaimer .icon {
    width: 14px;
    height: 14px;
    color: var(--caixa-orange);
}

/* CTA "Pronto para começar?" — bloco compacto pré-fechamento */
.hab-cta-section {
    padding: 60px 0;
    background: linear-gradient(180deg, var(--caixa-gray) 0%, var(--caixa-white) 100%);
}

.hab-cta-card {
    background: linear-gradient(135deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
    color: var(--caixa-white);
    border-radius: 24px;
    padding: 48px;
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 40px;
    align-items: center;
    box-shadow: 0 24px 48px -16px rgba(0, 63, 124, 0.4);
    position: relative;
    overflow: hidden;
}

.hab-cta-card::before {
    content: "";
    position: absolute;
    top: -100px;
    right: -100px;
    width: 280px;
    height: 280px;
    background: radial-gradient(circle, rgba(243, 146, 0, 0.18) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}

.hab-cta-card > * { position: relative; z-index: 1; }

.hab-cta-content h2 {
    font-size: 32px;
    font-weight: 900;
    color: var(--caixa-white);
    margin-bottom: 12px;
    letter-spacing: -0.5px;
    line-height: 1.2;
}

.hab-cta-content p {
    font-size: 16px;
    line-height: 1.6;
    color: rgba(255, 255, 255, 0.9);
}

.hab-cta-buttons {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.hab-cta-buttons .btn-primary,
.hab-cta-buttons .btn-secondary {
    justify-content: center;
}

@media (max-width: 1024px) {
    .hab-confidence-grid { grid-template-columns: repeat(2, 1fr); }
    .hab-cta-card { padding: 40px 32px; gap: 32px; }
}

@media (max-width: 768px) {
    .hab-confidence-section,
    .hab-testimonials-section { padding: 56px 0; }
    .hab-confidence-grid { grid-template-columns: 1fr; gap: 16px; }
    .hab-confidence-stat strong { font-size: 28px; }
    .hab-cta-card {
        grid-template-columns: 1fr;
        padding: 32px 24px;
        text-align: center;
    }
    .hab-cta-content h2 { font-size: 24px; }
    .hab-cta-buttons { align-items: stretch; }
}

/* JS controla display da pricing-region:
   esconde quando nenhum pricing-page corresponde à page ativa
   (caso da Habitacional, que tem pricing inline dentro da própria page) */

/* ======================================
   PRICING REGION — última dobra antes do rodapé
   Centraliza todos os pricings; mostra apenas o da página ativa
====================================== */
.pricing-region .pricing-page {
    display: none;
}

.pricing-region .pricing-page.active {
    display: block;
}

/* ======================================
   FAQ REGION — última dobra antes do rodapé
   Mostra apenas o FAQ da página ativa (controlado por JS)
====================================== */
.faq-region .faq-page {
    display: none;
}

.faq-region .faq-page.active {
    display: block;
}

/* ======================================
   PÁGINA HABITACIONAL — DOBRAS REORGANIZADAS (Uma/UX)
   Ordem: 1·Financiamento → 2·Caixa(faixa) → 3·Seguro → 4·MAIS
====================================== */

/* ----- DOBRA 1: HABITACIONAL FÁCIL (PRODUTO/financiamento) ----- */
/* Visual: fundo branco, cards com borda laranja superior, numerados */
.hab-easy-section {
    padding: 96px 0 80px;
    background: var(--caixa-white);
    scroll-margin-top: 80px;
}

.hab-easy-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-top: 56px;
}

.hab-easy-card {
    position: relative;
    background: var(--caixa-white);
    border: 1px solid #E8EDF3;
    border-top: 4px solid var(--caixa-orange);
    border-radius: 14px;
    padding: 40px 28px 32px;
    transition: var(--transition);
}

.hab-easy-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 40px rgba(0, 92, 169, 0.1);
    border-top-color: var(--caixa-orange-dark);
}

.hab-easy-num {
    position: absolute;
    top: 16px;
    right: 20px;
    font-size: 36px;
    font-weight: 900;
    color: var(--caixa-orange);
    opacity: 0.18;
    letter-spacing: -1px;
    line-height: 1;
}

.hab-easy-card .icon {
    width: 44px;
    height: 44px;
    color: var(--caixa-blue);
    margin-bottom: 18px;
}

.hab-easy-card h3 {
    font-size: 19px;
    font-weight: 700;
    color: var(--caixa-blue);
    margin-bottom: 12px;
    line-height: 1.3;
}

.hab-easy-card p {
    font-size: 14px;
    line-height: 1.65;
    color: var(--caixa-gray-dark);
}

.hab-easy-cta {
    display: flex;
    justify-content: center;
    margin-top: 48px;
}

/* ----- DOBRA 2: POR QUE A CAIXA (faixa azul curta, prova social) ----- */
.hab-trust-section {
    background: linear-gradient(135deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
    color: var(--caixa-white);
    padding: 36px 0;
    scroll-margin-top: 80px;
}

.hab-trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    align-items: center;
}

.hab-trust-stat {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 4px;
    padding: 0 8px;
    border-left: 1px solid rgba(255, 255, 255, 0.15);
}

.hab-trust-stat:first-child { border-left: none; }

.hab-trust-stat .icon {
    width: 32px;
    height: 32px;
    color: var(--caixa-yellow);
    margin-bottom: 8px;
}

.hab-trust-stat strong {
    font-size: 22px;
    font-weight: 900;
    color: var(--caixa-yellow);
    line-height: 1.1;
    text-shadow: 0 1px 2px rgba(0, 0, 0, 0.2);
}

.hab-trust-stat span {
    font-size: 13px;
    line-height: 1.4;
    color: rgba(255, 255, 255, 0.92);
}

/* ----- DOBRA 3: SEGURO HABITACIONAL (proteção essencial — cinza) ----- */
.hab-insurance-section {
    padding: 80px 0;
    background: #F5F7FA;
    scroll-margin-top: 80px;
}

/* Tag de etapa (Etapa 1 / Etapa 2) */
.hab-stage-tag {
    display: inline-block;
    padding: 6px 14px;
    background: var(--caixa-blue);
    color: var(--caixa-white);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.8px;
    text-transform: uppercase;
    border-radius: 999px;
    margin-bottom: 20px;
}

.hab-stage-tag--upgrade {
    background: var(--caixa-orange);
}

/* Reuso dos benefits-grid/benefit-card (já existem no design system) */
.hab-insurance-section .benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-top: 48px;
}

.hab-insurance-section .benefit-card {
    background: var(--caixa-white);
    border: 1px solid #E0E5EC;
    border-radius: 14px;
    padding: 36px 28px;
    text-align: center;
    transition: var(--transition);
    display: flex;
    flex-direction: column;
}

.hab-insurance-section .benefit-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 40px rgba(0, 92, 169, 0.12);
    border-color: var(--caixa-blue);
}

.hab-insurance-section .benefit-icon {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
    display: flex;
    justify-content: center;
    align-items: center;
    margin: 0 auto 22px;
    box-shadow: 0 6px 18px rgba(0, 92, 169, 0.25);
}

.hab-insurance-section .benefit-icon .icon {
    width: 32px;
    height: 32px;
    color: var(--caixa-yellow);
}

.hab-insurance-section .benefit-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--caixa-blue);
    margin-bottom: 12px;
    line-height: 1.3;
}

.hab-insurance-section .benefit-card p {
    font-size: 14px;
    line-height: 1.65;
    color: var(--caixa-gray-dark);
    flex: 1;
}

.hab-insurance-section .benefits-cta {
    display: flex;
    justify-content: center;
    margin-top: 40px;
}

/* Divisor de upsell entre Dobra 3 e Dobra 4 */
.hab-upsell-divider {
    text-align: center;
    padding: 32px 16px;
    background: linear-gradient(180deg, #F5F7FA 0%, #FFF4E5 100%);
    color: var(--caixa-orange-dark);
    font-size: 16px;
    font-weight: 700;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 12px;
}

.hab-upsell-divider .icon {
    width: 20px;
    height: 20px;
    color: var(--caixa-orange);
    animation: hab-arrow-bounce 1.6s ease-in-out infinite;
}

@keyframes hab-arrow-bounce {
    0%, 100% { transform: translateX(0); }
    50% { transform: translateX(6px); }
}

@media (prefers-reduced-motion: reduce) {
    .hab-upsell-divider .icon { animation: none; }
}

/* ----- DOBRA 4: SEGURO MAIS (UPGRADE — laranja claro) ----- */
.seguro-mais-section {
    padding: 80px 0;
    background: linear-gradient(135deg, #FFF4E5 0%, #FFE8C7 100%);
    scroll-margin-top: 80px;
}

.seguro-mais-section .hab-stage-tag {
    display: inline-block;
    margin-left: 50%;
    transform: translateX(-50%);
}

.seguro-mais-grid {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 56px;
    align-items: center;
    background: var(--caixa-white);
    padding: 48px;
    border-radius: 20px;
    margin-top: 32px;
    box-shadow: 0 12px 40px rgba(243, 146, 0, 0.18);
    border: 1px solid rgba(243, 146, 0, 0.2);
}

.seguro-mais-content h3 {
    font-size: 20px;
    color: var(--caixa-blue);
    margin-bottom: 24px;
    font-weight: 700;
}

.seguro-mais-list {
    list-style: none;
    padding: 0;
    margin: 0 0 32px;
}

.seguro-mais-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid #F0F2F5;
    font-size: 15px;
    color: var(--caixa-text);
    line-height: 1.5;
}

.seguro-mais-list li:last-child { border-bottom: none; }

.seguro-mais-list .icon {
    width: 18px;
    height: 18px;
    color: var(--caixa-orange);
    flex-shrink: 0;
    margin-top: 3px;
}

.seguro-mais-buttons {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.seguro-mais-illustration {
    display: flex;
    justify-content: center;
    align-items: center;
}

.seguro-mais-illustration .icon {
    width: 180px;
    height: 180px;
    color: var(--caixa-yellow);
    filter: drop-shadow(0 12px 32px rgba(243, 146, 0, 0.4));
    transform: rotate(-8deg);
    transition: transform 0.4s ease;
}

.seguro-mais-grid:hover .seguro-mais-illustration .icon {
    transform: rotate(0deg) scale(1.05);
}

/* ----- RESPONSIVO ----- */
@media (max-width: 1024px) {
    .hab-trust-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
    .hab-trust-stat { border-left: none; padding: 12px 0; }
    .hab-trust-stat:nth-child(odd) { border-right: 1px solid rgba(255, 255, 255, 0.15); }
    .seguro-mais-grid { padding: 40px 32px; gap: 40px; }
}

@media (max-width: 768px) {
    .hab-stepper { gap: 4px; padding: 10px 12px; overflow-x: auto; flex-wrap: nowrap; justify-content: flex-start; }
    .hab-stepper-item { padding: 6px 12px; font-size: 13px; flex-shrink: 0; }
    .hab-stepper-label { display: none; }
    .hab-stepper-item.active .hab-stepper-label { display: inline; }

    .hab-easy-section, .hab-insurance-section, .seguro-mais-section { padding: 56px 0; }
    .hab-easy-grid { grid-template-columns: 1fr; gap: 20px; }
    .hab-easy-card { padding: 32px 24px 24px; }

    .hab-trust-grid { grid-template-columns: 1fr; }
    .hab-trust-stat { border-right: none !important; border-bottom: 1px solid rgba(255, 255, 255, 0.15); padding: 16px 0; }
    .hab-trust-stat:last-child { border-bottom: none; }

    .hab-insurance-section .benefits-grid { grid-template-columns: 1fr; gap: 20px; }
    .hab-insurance-section .benefit-card { padding: 28px 24px; }

    .seguro-mais-grid {
        grid-template-columns: 1fr;
        padding: 32px 24px;
        gap: 32px;
        text-align: center;
    }
    .seguro-mais-illustration .icon { width: 120px; height: 120px; }
    .seguro-mais-list li { text-align: left; }
    .seguro-mais-buttons { justify-content: center; }
}

/* ======================================
   SECTIONS COMUNS
====================================== */
.section-title {
    font-size: 42px;
    font-weight: 900;
    text-align: center;
    color: var(--caixa-blue);
    margin-bottom: 12px;
    letter-spacing: -0.5px;
}

.section-subtitle {
    text-align: center;
    font-size: 18px;
    color: var(--caixa-gray-dark);
    margin-bottom: 60px;
}

/* ======================================
   SERVICES
====================================== */
.services-section {
    padding: 100px 0;
    background: var(--caixa-gray);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
}

.service-card {
    background: var(--caixa-white);
    padding: 40px 30px;
    border-radius: 16px;
    text-decoration: none;
    color: var(--caixa-text);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    border: 2px solid transparent;
    text-align: left;
    position: relative;
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background: var(--caixa-orange);
    transform: scaleY(0);
    transition: var(--transition);
    transform-origin: bottom;
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: var(--caixa-blue);
}

.service-card:hover::before {
    transform: scaleY(1);
    transform-origin: top;
}

.service-card .icon {
    width: 40px;
    height: 40px;
    color: var(--caixa-blue);
    margin-bottom: 20px;
    display: block;
}

.service-card h3 {
    font-size: 20px;
    color: var(--caixa-blue);
    margin-bottom: 8px;
    font-weight: 700;
}

.service-card p {
    color: var(--caixa-gray-dark);
    font-size: 15px;
}

/* ======================================
   PRICING
====================================== */
.pricing-section {
    padding: 100px 0;
    background: var(--caixa-white);
}

.pricing-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 24px;
    max-width: 1100px;
    margin: 0 auto 60px;
}

/* Pricing Rapidex tem 4 modalidades — força 4 colunas no desktop
   (cobre tanto a versão na pricing-region quanto a versão inline na page-rapidex) */
#pricing-rapidex .pricing-grid,
#pricing-rapidex-inline .pricing-grid {
    grid-template-columns: repeat(4, 1fr);
    max-width: 1280px;
    gap: 20px;
}

@media (max-width: 1024px) {
    #pricing-rapidex .pricing-grid,
    #pricing-rapidex-inline .pricing-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 600px) {
    #pricing-rapidex .pricing-grid,
    #pricing-rapidex-inline .pricing-grid {
        grid-template-columns: 1fr;
    }
}

.pricing-card {
    background: var(--caixa-white);
    padding: 40px 30px;
    border-radius: 16px;
    border: 2px solid var(--caixa-gray);
    transition: var(--transition);
    position: relative;
    display: flex;
    flex-direction: column;
    text-align: center;
}

.pricing-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: var(--caixa-blue);
}

.pricing-card.featured {
    background: linear-gradient(135deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
    color: var(--caixa-white);
    border-color: var(--caixa-orange);
    transform: scale(1.05);
    box-shadow: var(--shadow-lg);
}

.pricing-card.featured:hover {
    transform: scale(1.05) translateY(-8px);
}

.badge-featured {
    position: absolute;
    top: -14px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--caixa-orange);
    color: var(--caixa-white);
    padding: 6px 20px;
    border-radius: 50px;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    box-shadow: var(--shadow-md);
}

.pricing-card > .icon {
    width: 48px;
    height: 48px;
    color: var(--caixa-orange);
    margin: 0 auto 20px;     /* centraliza o ícone (filho direto, não os checks da lista) */
    align-self: center;
}

.pricing-card.featured .icon {
    color: var(--caixa-yellow);
}

.pricing-card h3 {
    font-size: 24px;
    margin-bottom: 20px;
    font-weight: 700;
}

.price {
    margin-bottom: 28px;
}

.price small {
    display: block;
    font-size: 13px;
    color: var(--caixa-gray-dark);
    margin-bottom: 4px;
}

.pricing-card.featured .price small {
    color: rgba(255, 255, 255, 0.8);
}

.price strong {
    font-size: 48px;
    font-weight: 900;
    color: var(--caixa-blue);
    display: inline-block;
}

.pricing-card.featured .price strong {
    color: var(--caixa-yellow);
}

.price span {
    font-size: 14px;
    color: var(--caixa-gray-dark);
    margin-left: 4px;
}

.pricing-card.featured .price span {
    color: rgba(255, 255, 255, 0.9);
}

.pricing-card ul {
    list-style: none;
    margin-bottom: 32px;
    text-align: left;
}

.pricing-card li {
    padding: 8px 0;
    font-size: 15px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.pricing-card li .icon {
    width: 14px;
    height: 14px;
    color: var(--caixa-orange);
    margin: 0;
    flex-shrink: 0;
}

.pricing-card.featured li .icon {
    color: var(--caixa-yellow);
}

.btn-pricing {
    display: block;
    padding: 14px 24px;
    background: var(--caixa-blue);
    color: var(--caixa-white);
    text-decoration: none;
    border-radius: 8px;
    font-weight: 700;
    transition: var(--transition);
    text-align: center;
    margin-top: auto;        /* empurra o CTA pra base do card — alinha entre cards */
}

.btn-pricing:hover {
    background: var(--caixa-orange);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.pricing-card.featured .btn-pricing {
    background: var(--caixa-orange);
}

.pricing-card.featured .btn-pricing:hover {
    background: var(--caixa-white);
    color: var(--caixa-blue);
}

/* PLAN TYPES (Consórcio) */
.plan-types {
    margin-top: 60px;
    padding: 40px;
    background: var(--caixa-gray);
    border-radius: 16px;
}

.plan-types h3 {
    text-align: center;
    color: var(--caixa-blue);
    font-size: 24px;
    margin-bottom: 32px;
}

.plan-types-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
}

.plan-type {
    background: var(--caixa-white);
    padding: 24px;
    border-radius: 12px;
    text-align: center;
    border-top: 4px solid var(--caixa-orange);
    transition: var(--transition);
}

.plan-type:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.plan-type .icon {
    width: 32px;
    height: 32px;
    color: var(--caixa-blue);
    margin-bottom: 12px;
    display: block;
}

.plan-type strong {
    display: block;
    font-size: 16px;
    color: var(--caixa-blue);
    margin-bottom: 4px;
}

.plan-type span {
    font-size: 13px;
    color: var(--caixa-gray-dark);
}

/* CTA BANNER */
.cta-banner {
    margin-top: 80px;
    padding: 60px 40px;
    background: linear-gradient(135deg, var(--caixa-orange) 0%, var(--caixa-orange-dark) 100%);
    border-radius: 20px;
    text-align: center;
    color: var(--caixa-white);
    box-shadow: var(--shadow-lg);
}

.cta-banner h3 {
    font-size: 32px;
    margin-bottom: 12px;
    font-weight: 900;
}

.cta-banner p {
    font-size: 18px;
    margin-bottom: 28px;
    opacity: 0.95;
}

.cta-banner .btn-primary {
    background: var(--caixa-white);
    color: var(--caixa-blue);
    box-shadow: var(--shadow-md);
}

.cta-banner .btn-primary:hover {
    background: var(--caixa-blue);
    color: var(--caixa-white);
}

/* ======================================
   CARDS SECTION (Cartão de Crédito)
====================================== */
.cards-section {
    padding: 100px 0;
    background: var(--caixa-gray);
}

.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
    max-width: 1100px;
    margin: 0 auto 60px;
}

.credit-card-option {
    background: var(--caixa-white);
    padding: 40px 30px;
    border-radius: 16px;
    text-align: center;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    position: relative;
    border: 2px solid transparent;
}

.credit-card-option:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: var(--caixa-blue);
}

.credit-card-option.featured {
    border-color: var(--caixa-orange);
    background: linear-gradient(180deg, #fff8ec 0%, #ffffff 100%);
}

.card-mini {
    width: 100%;
    max-width: 280px;
    aspect-ratio: 1.6 / 1;
    margin: 0 auto 24px;
    border-radius: 14px;
    padding: 20px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    color: white;
    box-shadow: var(--shadow-md);
    position: relative;
    overflow: hidden;
}

.card-mini::after {
    content: '';
    position: absolute;
    top: -50%;
    right: -50%;
    width: 200%;
    height: 200%;
    background: radial-gradient(circle, rgba(255,255,255,0.15) 0%, transparent 50%);
}

.card-mini.gold {
    background: linear-gradient(135deg, #b8860b 0%, #ffd700 50%, #b8860b 100%);
}

.card-mini.platinum {
    background: linear-gradient(135deg, var(--caixa-blue-dark) 0%, var(--caixa-blue) 50%, var(--caixa-blue-light) 100%);
}

.card-mini.black {
    background: linear-gradient(135deg, #000000 0%, #1a1a1a 50%, #2d2d2d 100%);
}

.card-brand {
    font-size: 18px;
    font-weight: 900;
    letter-spacing: 1px;
    z-index: 2;
    position: relative;
}

.card-tier {
    font-size: 14px;
    font-weight: 700;
    align-self: flex-end;
    letter-spacing: 1px;
    z-index: 2;
    position: relative;
}

.credit-card-option h3 {
    font-size: 22px;
    color: var(--caixa-blue);
    margin-bottom: 8px;
    font-weight: 700;
}

.credit-card-option > p {
    color: var(--caixa-gray-dark);
    margin-bottom: 24px;
    font-size: 15px;
}

.credit-card-option ul {
    list-style: none;
    margin-bottom: 28px;
    text-align: left;
}

.credit-card-option li {
    padding: 8px 0;
    font-size: 15px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.credit-card-option li .icon {
    color: var(--caixa-orange);
    width: 14px;
    height: 14px;
}

/* ======================================
   CAP SECTION
====================================== */
/* ======================================
   PÁGINA CAP — explainer "como funciona"
   3 passos numerados estilo hab-easy
====================================== */
.cap-explainer-section {
    padding: 80px 0;
    background: var(--caixa-white);
}

.cap-explainer-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-top: 56px;
}

.cap-explainer-step {
    position: relative;
    background: var(--caixa-white);
    border: 1px solid #E8EDF3;
    border-top: 4px solid var(--caixa-yellow);
    border-radius: 14px;
    padding: 40px 28px 32px;
    transition: var(--transition);
}

.cap-explainer-step:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 40px rgba(0, 92, 169, 0.1);
    border-top-color: var(--caixa-orange);
}

.cap-explainer-num {
    position: absolute;
    top: 16px;
    right: 20px;
    font-size: 36px;
    font-weight: 900;
    color: var(--caixa-yellow);
    opacity: 0.35;
    letter-spacing: -1px;
    line-height: 1;
}

.cap-explainer-step .icon {
    width: 44px;
    height: 44px;
    color: var(--caixa-blue);
    margin-bottom: 18px;
}

.cap-explainer-step h3 {
    font-size: 19px;
    font-weight: 700;
    color: var(--caixa-blue);
    margin-bottom: 12px;
    line-height: 1.3;
}

.cap-explainer-step p {
    font-size: 14px;
    line-height: 1.65;
    color: var(--caixa-gray-dark);
}

@media (max-width: 768px) {
    .cap-explainer-section { padding: 56px 0; }
    .cap-explainer-grid { grid-template-columns: 1fr; gap: 20px; }
    .cap-explainer-step { padding: 32px 24px 24px; }
}

/* Pricing CAP — 4 títulos em uma linha (igual Rapidex) */
#pricing-cap .pricing-grid {
    grid-template-columns: repeat(4, 1fr);
    max-width: 1280px;
    gap: 20px;
}

@media (max-width: 1024px) {
    #pricing-cap .pricing-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 600px) {
    #pricing-cap .pricing-grid { grid-template-columns: 1fr; }
}

/* Bloco antigo .cap-section preservado pra retrocompatibilidade
   (não há mais HTML usando essa classe; pode ser removido futuramente) */
.cap-section {
    padding: 100px 0;
    background: linear-gradient(135deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
    color: var(--caixa-white);
    position: relative;
    overflow: hidden;
}

.cap-section::before {
    content: '';
    position: absolute;
    top: -20%;
    right: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(243, 146, 0, 0.15) 0%, transparent 70%);
    border-radius: 50%;
}

.cap-section .section-title {
    color: var(--caixa-white);
    position: relative;
    z-index: 2;
}

.cap-section .section-subtitle {
    color: rgba(255, 255, 255, 0.85);
    position: relative;
    z-index: 2;
}

.cap-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 24px;
    position: relative;
    z-index: 2;
}

.cap-card {
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, 0.15);
    padding: 36px 28px;
    border-radius: 16px;
    transition: var(--transition);
    display: flex;
    flex-direction: column;
}

.cap-card:hover {
    transform: translateY(-8px);
    background: rgba(255, 255, 255, 0.12);
    border-color: var(--caixa-orange);
}

/* Ícone principal do card (filho direto) — não afeta a seta do "Saiba mais" */
.cap-card > .icon {
    width: 48px;
    height: 48px;
    color: var(--caixa-yellow);
    margin-bottom: 20px;
}

.cap-card h3 {
    font-size: 22px;
    margin-bottom: 12px;
    font-weight: 700;
}

.cap-card p {
    font-size: 15px;
    line-height: 1.6;
    margin-bottom: 20px;
    opacity: 0.9;
}

.btn-link {
    color: var(--caixa-orange);
    text-decoration: none;
    font-weight: 700;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: var(--transition);
    margin-top: auto;          /* empurra o CTA para a base — alinha entre cards */
    align-self: flex-start;     /* não esticar à largura toda */
}

/* Seta do "Saiba mais" — bem menor que o ícone principal do card */
.btn-link .icon {
    width: 14px;
    height: 14px;
}

.btn-link:hover {
    color: var(--caixa-yellow);
    gap: 12px;
}

/* ======================================
   CONTATO
====================================== */
.contato-section {
    padding: 100px 0;
    background: var(--caixa-white);
}

.contato-content {
    max-width: 800px;
    margin: 0 auto;
    text-align: center;
    padding: 80px 40px;
    background: linear-gradient(135deg, var(--caixa-gray) 0%, #ffffff 100%);
    border-radius: 24px;
    border: 2px dashed var(--caixa-orange);
}

.contato-content h2 {
    font-size: 42px;
    color: var(--caixa-blue);
    margin-bottom: 16px;
    font-weight: 900;
}

.contato-content p {
    font-size: 18px;
    color: var(--caixa-gray-dark);
    margin-bottom: 32px;
}

.contato-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

.contato-buttons .btn-primary {
    background: #25d366;
    box-shadow: 0 4px 16px rgba(37, 211, 102, 0.4);
}

.contato-buttons .btn-primary:hover {
    background: #1faa55;
}

.contato-buttons .btn-secondary {
    background: var(--caixa-blue);
    color: var(--caixa-white);
    border: 2px solid var(--caixa-blue);
}

.contato-buttons .btn-secondary:hover {
    background: var(--caixa-blue-dark);
    border-color: var(--caixa-blue-dark);
    color: var(--caixa-white);
}

.contato-disclaimer {
    margin: 24px auto 0;
    padding: 12px 20px;
    background: rgba(243, 146, 0, 0.12);
    max-width: 800px;
    justify-content: center;
    border: 1px solid var(--caixa-orange);
    border-radius: 8px;
    color: var(--caixa-orange-dark) !important;
    font-size: 14px !important;
    font-weight: 700;
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.contato-disclaimer .icon {
    width: 16px;
    height: 16px;
}

/* ======================================
   FOOTER
====================================== */
.footer {
    background: var(--caixa-blue-dark);
    color: var(--caixa-white);
    padding: 60px 0 0;
}

/* Rodapé usa container bem mais largo para acomodar as colunas sem aperto */
.footer > .container {
    max-width: min(1760px, 96vw);
    padding: 0 40px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.7fr 1fr 1.7fr 1.1fr;
    gap: 48px;
    margin-bottom: 40px;
}

/* Logo do rodapé — mesma imagem do cabeçalho, em chip branco para contraste */
.footer-logo {
    display: inline-flex;
    background: #fff;
    padding: 12px 16px;
    border-radius: 12px;
    margin-bottom: 4px;
}

.footer-logo .logo-img {
    height: 52px;
}

.footer-col h4 {
    color: var(--caixa-orange);
    font-size: 16px;
    margin-bottom: 20px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.footer-col ul {
    list-style: none;
}

.footer-col ul li {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    padding: 6px 0;
    font-size: 15px;
    line-height: 1.45;
    color: rgba(255, 255, 255, 0.85);
}

.footer-col ul li a {
    color: rgba(255, 255, 255, 0.85);
    text-decoration: none;
    transition: var(--transition);
}

.footer-col ul li a:hover {
    color: var(--caixa-orange);
}

.footer-col ul li .icon {
    color: var(--caixa-orange);
    flex-shrink: 0;
    margin-top: 4px;
    width: 14px;
    height: 14px;
}

.footer-col p {
    margin-top: 16px;
    color: rgba(255, 255, 255, 0.8);
    font-size: 14px;
    line-height: 1.6;
}

.footer .logo-text strong {
    color: var(--caixa-white);
}

.footer .logo-text span {
    color: rgba(255, 255, 255, 0.7);
}

.social-links {
    display: flex;
    gap: 12px;
}

.social-links a {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--caixa-white);
    text-decoration: none;
    transition: var(--transition);
}

.social-links a:hover {
    background: var(--caixa-orange);
    transform: translateY(-3px);
}

/* ======================================
   TRUST SIGNALS
====================================== */
.trust-section {
    padding: 100px 0;
    background: linear-gradient(180deg, var(--caixa-white) 0%, var(--caixa-gray) 100%);
}

.trust-numbers {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 24px;
    margin-bottom: 80px;
    padding: 40px;
    background: var(--caixa-white);
    border-radius: 20px;
    box-shadow: var(--shadow-md);
    border-top: 4px solid var(--caixa-orange);
}

.trust-number {
    text-align: center;
    padding: 0 16px;
    border-right: 1px solid var(--caixa-gray);
}

.trust-number:last-child {
    border-right: none;
}

.trust-number strong {
    display: block;
    font-size: 40px;
    font-weight: 900;
    color: var(--caixa-blue);
    line-height: 1.1;
    margin-bottom: 8px;
    letter-spacing: -0.5px;
}

.trust-number span {
    font-size: 14px;
    color: var(--caixa-gray-dark);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.trust-subtitle {
    text-align: center;
    font-size: 24px;
    color: var(--caixa-blue);
    font-weight: 900;
    margin-bottom: 32px;
    margin-top: 0;
}

.trust-badges {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
    gap: 20px;
    margin-bottom: 80px;
}

.trust-badge {
    background: var(--caixa-white);
    border: 2px solid var(--caixa-gray);
    border-radius: 12px;
    padding: 24px 16px;
    text-align: center;
    transition: var(--transition);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
}

.trust-badge:hover {
    border-color: var(--caixa-orange);
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.trust-badge .icon {
    width: 36px;
    height: 36px;
    color: var(--caixa-blue);
    margin-bottom: 8px;
}

.trust-badge strong {
    font-size: 16px;
    color: var(--caixa-blue);
    font-weight: 900;
}

.trust-badge span {
    font-size: 12px;
    color: var(--caixa-gray-dark);
    font-weight: 700;
}

/* Depoimentos */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
}

.testimonial {
    background: var(--caixa-white);
    border-radius: 16px;
    padding: 32px;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    border: 1px solid var(--caixa-gray);
    position: relative;
}

.testimonial:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--caixa-orange);
}

.testimonial::before {
    content: '"';
    position: absolute;
    top: 12px;
    right: 24px;
    font-size: 80px;
    line-height: 1;
    color: var(--caixa-orange);
    opacity: 0.15;
    font-family: Georgia, serif;
}

.testimonial-rating {
    display: flex;
    gap: 4px;
    color: var(--caixa-yellow);
    font-size: 16px;
    margin-bottom: 16px;
}

.testimonial-rating .icon {
    color: #F39200;
    width: 14px;
    height: 14px;
}

.testimonial blockquote {
    font-size: 16px;
    line-height: 1.6;
    color: var(--caixa-text);
    margin: 0 0 24px;
    font-style: italic;
    quotes: "\201C" "\201D";
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
    padding-top: 16px;
    border-top: 1px solid var(--caixa-gray);
}

.testimonial-avatar {
    width: 48px;
    height: 48px;
    background: linear-gradient(135deg, var(--caixa-blue) 0%, var(--caixa-blue-dark) 100%);
    color: var(--caixa-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    font-size: 14px;
    letter-spacing: 0.5px;
    flex-shrink: 0;
}

.testimonial-author strong {
    display: block;
    color: var(--caixa-blue);
    font-size: 15px;
    font-weight: 900;
    margin-bottom: 2px;
}

.testimonial-author span {
    font-size: 13px;
    color: var(--caixa-gray-dark);
}

.trust-disclaimer {
    margin-top: 40px;
    text-align: center;
    font-size: 12px;
    color: var(--caixa-gray-dark);
    font-style: italic;
    opacity: 0.85;
}

.trust-disclaimer .icon {
    color: var(--caixa-orange);
    margin-right: 6px;
    width: 14px;
    height: 14px;
}

/* Responsivo trust */
@media (max-width: 768px) {
    .trust-section { padding: 60px 0; }
    .trust-numbers {
        padding: 24px;
        gap: 16px;
        grid-template-columns: 1fr 1fr;
    }
    .trust-number { border-right: none; padding: 12px; }
    .trust-number strong { font-size: 28px; }
    .trust-badges { grid-template-columns: repeat(2, 1fr); }
    .testimonial { padding: 24px; }
}

/* ======================================
   FOOTER COMPLIANCE (BACEN/LGPD)
====================================== */
.footer-compliance {
    margin-top: 32px;
    padding: 24px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
    border-bottom: 1px solid rgba(255, 255, 255, 0.15);
    color: rgba(255, 255, 255, 0.75);
    font-size: 13px;
    line-height: 1.7;
}

.footer-compliance p {
    margin-bottom: 12px;
}

.footer-compliance strong {
    color: var(--caixa-yellow);
}

.footer-compliance em {
    color: var(--caixa-orange);
    font-style: normal;
    background: rgba(243, 146, 0, 0.15);
    padding: 1px 6px;
    border-radius: 4px;
}

.compliance-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 16px !important;
}

.compliance-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 6px 12px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: 20px;
    font-size: 12px;
    font-weight: 700;
    color: rgba(255, 255, 255, 0.85);
}

.compliance-badge .icon {
    color: var(--caixa-yellow);
    width: 14px;
    height: 14px;
}

/* Rate disclaimer (em cada pricing-section) */
.rate-disclaimer {
    background: rgba(0, 92, 169, 0.05);
    border-left: 4px solid var(--caixa-blue-light);
    padding: 14px 18px;
    margin: 30px 0 20px;
    font-size: 13px;
    color: var(--caixa-gray-dark);
    line-height: 1.6;
    border-radius: 4px;
    display: flex;
    align-items: flex-start;
    gap: 10px;
}

.rate-disclaimer .icon {
    color: var(--caixa-blue);
    margin-top: 2px;
    flex-shrink: 0;
    width: 14px;
    height: 14px;
}

.footer-bottom {
    padding: 24px 0;
    text-align: center;
    font-size: 14px;
    color: rgba(255, 255, 255, 0.7);
}

/* ======================================
   COOKIE BANNER (LGPD)
====================================== */
.cookie-banner {
    position: fixed;
    bottom: 16px;
    left: 16px;
    right: 16px;
    max-width: 900px;
    margin: 0 auto;
    background: var(--caixa-white);
    border: 1px solid var(--caixa-gray);
    border-top: 4px solid var(--caixa-blue);
    border-radius: 12px;
    box-shadow: 0 12px 40px rgba(0, 0, 0, 0.18);
    padding: 20px 24px;
    z-index: 9998;
    animation: cookieSlideUp 0.4s ease-out;
}

@keyframes cookieSlideUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

.cookie-content {
    display: flex;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
}

.cookie-text {
    flex: 1;
    min-width: 260px;
}

.cookie-text strong {
    color: var(--caixa-blue);
    font-size: 15px;
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 6px;
}

.cookie-text p {
    color: var(--caixa-gray-dark);
    font-size: 13px;
    line-height: 1.5;
    margin: 0;
}

.cookie-text a {
    color: var(--caixa-blue);
    font-weight: 700;
    text-decoration: underline;
}

.cookie-actions {
    display: flex;
    gap: 10px;
    flex-shrink: 0;
}

.btn-cookie {
    padding: 10px 20px;
    border-radius: 8px;
    font-family: inherit;
    font-weight: 700;
    font-size: 14px;
    cursor: pointer;
    border: 2px solid transparent;
    transition: var(--transition);
}

.btn-cookie-primary {
    background: var(--caixa-orange);
    color: var(--caixa-white);
}

.btn-cookie-primary:hover {
    background: var(--caixa-orange-dark);
}

.btn-cookie-secondary {
    background: transparent;
    color: var(--caixa-gray-dark);
    border-color: var(--caixa-gray);
}

.btn-cookie-secondary:hover {
    background: var(--caixa-gray);
    border-color: var(--caixa-gray-dark);
}

/* ======================================
   WHATSAPP FLOATING BUTTON
====================================== */
.whatsapp-float {
    position: fixed;
    bottom: 24px;
    right: 24px;
    width: 64px;
    height: 64px;
    background: #25d366;
    color: var(--caixa-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 32px;
    text-decoration: none;
    box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
    z-index: 999;
    transition: var(--transition);
    animation: pulse 2s infinite;
}

.whatsapp-float:hover {
    transform: scale(1.1);
    box-shadow: 0 12px 32px rgba(37, 211, 102, 0.6);
}

.whatsapp-tooltip {
    position: absolute;
    right: 80px;
    background: var(--caixa-blue);
    color: var(--caixa-white);
    padding: 10px 16px;
    border-radius: 8px;
    font-size: 14px;
    font-weight: 700;
    white-space: nowrap;
    opacity: 0;
    transform: translateX(10px);
    transition: var(--transition);
    pointer-events: none;
}

.whatsapp-tooltip::after {
    content: '';
    position: absolute;
    top: 50%;
    right: -6px;
    transform: translateY(-50%);
    border: 6px solid transparent;
    border-left-color: var(--caixa-blue);
}

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

@keyframes pulse {
    0%, 100% { box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4), 0 0 0 0 rgba(37, 211, 102, 0.7); }
    50% { box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4), 0 0 0 16px rgba(37, 211, 102, 0); }
}

/* ======================================
   RESPONSIVE
====================================== */
@media (max-width: 968px) {
    .header-content {
        flex-wrap: wrap;
        gap: 12px;
        position: relative;
    }
    .nav-menu {
        order: 3;
        flex-basis: 100%;
        flex-direction: column;
        align-items: stretch;
        gap: 4px;
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.3s ease;
    }
    .nav-menu.mobile-open {
        max-height: 600px;
    }
    .nav-link {
        width: 100%;
        justify-content: flex-start;
        padding: 14px 16px;
        font-size: 16px;
        border-radius: 0;
        border-bottom: 1px solid var(--caixa-gray);
    }
    .nav-toggle {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        position: absolute;
        right: 24px;
        top: 50%;
        transform: translateY(-50%);
    }
    .hero { padding: 60px 0; }
    .hero-content {
        grid-template-columns: 1fr;
        gap: 40px;
        text-align: center;
    }
    .hero-text { max-width: 100%; }
    .hero h1 { font-size: 36px; }
    .hero p { font-size: 17px; }
    .hero-buttons { justify-content: center; }
    .hero-stats { justify-content: center; }
    .stat { border-left: none; border-top: 3px solid var(--caixa-orange); padding-left: 0; padding-top: 8px; }
    .section-title { font-size: 32px; }
    .pricing-card.featured { transform: scale(1); }
    .pricing-card.featured:hover { transform: translateY(-8px); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .cta-banner { padding: 40px 24px; }
    .cta-banner h3 { font-size: 24px; }
    .contato-content { padding: 50px 24px; }
    .contato-content h2 { font-size: 28px; }
    .whatsapp-float { width: 56px; height: 56px; font-size: 28px; bottom: 16px; right: 16px; }
}

@media (max-width: 580px) {
    .hero h1 { font-size: 28px; }
    .section-title { font-size: 26px; }
    .footer-grid { grid-template-columns: 1fr; }
    .btn-header { display: none; }
}

/* Backgrounds dos heros em WebP responsivo: usa a versão 1600w em telas
   maiores (mobile usa a 800w definida em cada hero via --hero-img) */
@media (min-width: 992px) {
    .hero.hero-habitacional { --hero-img: url("images/hero-habitacional-bg-1600.webp"); }
    .hero.hero-inss         { --hero-img: url("images/hero-inss-bg-1600.webp"); }
    .hero.hero-servidor     { --hero-img: url("images/hero-servidor-bg-1600.webp"); }
    .hero.hero-cartao       { --hero-img: url("images/hero-cartao-bg-1600.webp"); }
    .hero.hero-seguro       { --hero-img: url("images/hero-seguro-bg-1600.webp"); }
    .hero.hero-cap          { --hero-img: url("images/hero-cap-bg-1600.webp"); }
    .hero-slide[data-modality="mulher"] { --hero-img: url("images/hero-rapidex-mulher-bg-1600.webp"); }
    .hero-slide[data-modality="lar"]    { --hero-img: url("images/hero-rapidex-lar-bg-1600.webp"); }
}

/* ============================================================
   MOBILE HERO TEMPLATE
   Padrão único de hero para telefones, reaproveitado por TODOS
   os produtos (Habitacional, INSS, Servidor, Cartão, Rapidex
   Mulher/Lar, Seguro e CAP). Como o projeto é HTML/CSS puro,
   o "componente" é definido por classes compartilhadas:
   .hero > .hero-content > (.hero-text[badge,h1,p,.hero-buttons,
   .hero-stats]) + .hero-image. Cada produto só troca o conteúdo.

   Hierarquia de conversão (ordem de leitura):
   Badge -> Título -> Descrição -> CTA principal -> CTA secundário
   -> Imagem -> Indicadores (grid 2 colunas).
   Escala de espaçamento: 8 / 16 / 24 px.
   ============================================================ */
@media (max-width: 600px) {
    /* 7. Altura compacta: hero cabe em ~1 tela (sem min-heights altos).
       !important para vencer as regras desktop por-hero (ex.: .hero.hero-inss). */
    .hero,
    .hero-stage .hero-slide {
        min-height: auto !important;
        /* sem padding inferior: a imagem dos modelos encosta na base do hero */
        padding: 16px 0 0 !important;
        text-align: center;
    }

    /* Achata o .hero-text (display:contents) para que badge/h1/p/botões/
       indicadores e a imagem sejam ordenáveis juntos no mesmo flex. */
    .hero-content {
        display: flex;
        flex-direction: column;
        gap: 16px;
        text-align: center;
    }
    .hero-text { display: contents; }

    /* 2. Ordem de leitura mobile.
       Indicadores (barra laranja) ACIMA da imagem; os modelos (foto)
       ficam na base. */
    .hero-text > .hero-badge   { order: 1; }
    .hero-text > h1            { order: 2; }
    .hero-text > p             { order: 3; }
    .hero-text > .hero-buttons { order: 4; }
    .hero-text > .hero-stats   { order: 5; }
    .hero-content > .hero-image,
    .hero-content > .hero-image--photo { order: 6; }

    /* 5. Badge compacto, uma linha e centralizado no mobile */
    .hero-text > .hero-badge {
        align-self: center;
        text-align: center;
        margin-bottom: 0;
        padding: 6px 12px;
        font-size: 11px;
        letter-spacing: 0.3px;
    }

    /* 4. Título menor -> menos quebras de linha e menos altura */
    .hero h1 {
        font-size: 26px;
        line-height: 1.2;
        letter-spacing: -0.4px;
        margin-bottom: 0;
    }

    /* Descrição enxuta */
    .hero p {
        font-size: 15px;
        line-height: 1.45;
        margin-bottom: 0;
    }

    /* 1. CTA: 1 principal destacado (full-width) + secundário como link */
    .hero-buttons {
        flex-direction: column;
        align-items: stretch;
        gap: 8px;
        margin-bottom: 0;
        flex-wrap: nowrap;
    }
    .hero-buttons .btn-primary {
        width: 100%;
        justify-content: center;
        padding: 16px 20px;
        font-size: 16px;
    }
    .hero-buttons .btn-secondary {
        width: 100%;
        justify-content: center;
        background: transparent;
        border-color: transparent;
        backdrop-filter: none;
        box-shadow: none;
        padding: 4px 8px;
        font-size: 15px;
        font-weight: 700;
        text-decoration: underline;
        text-underline-offset: 3px;
    }
    .hero-buttons .btn-secondary:hover {
        background: transparent;
        color: var(--caixa-white);
        transform: none;
    }

    /* 6. Imagem entre o CTA e os indicadores, com altura controlada */
    .hero-image,
    .hero-image--photo {
        min-height: 0 !important;
        align-self: center;
        width: 100%;
        padding-top: 0;
    }
    .hero-photo {
        max-height: 230px;
        width: auto;
        display: block;
        margin: 0 auto;
    }
    .hero-image--photo::before {
        width: 240px !important;
        height: 240px !important;
    }

    /* 3. Indicadores em grid 2 colunas (2x2) — ocupa menos altura */
    .hero-stats {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 8px 12px;
        justify-content: stretch;
        flex-wrap: nowrap;
    }
    .hero-stats .stat {
        border-left: none;
        border-top: 3px solid var(--caixa-orange);
        padding: 8px 8px 0;
        text-align: center;
        align-items: center;
    }
    .hero-stats .stat strong { font-size: 20px; }
    .hero-stats .stat span { font-size: 11px; }
    /* Centraliza o 3º indicador, que fica sozinho na 2ª linha do grid 2 col */
    .hero-stats .stat:last-child:nth-child(odd) {
        grid-column: 1 / -1;
        justify-self: center;
    }

    /* 6. Setas de navegação (voltar/avançar) visíveis também no mobile */
    .hero-nav-btn { display: inline-flex !important; }
}

/* Cabeçalho mobile: logo centralizado */
@media (max-width: 600px) {
    .header-content { justify-content: center; }
    .header-content .logo { margin: 0 auto; }
    .btn-header { display: none; }
}