/* ============================================================
   DESIGN TOKENS (PALETA ALC CRED CONSIG)
============================================================ */
:root {
  --blue-900: #0B1D2E;
  --blue-800: #12283D;
  --blue-700: #1A344D;
  --blue-100: #E6EEF5;
  --blue-50:  #F2F6FA;
  
  --orange:   #D97736;
  --orange-h: #BF652B; 
  --orange-l: #E88E54; 
  --orange-10:#FDF1E9; 

  --green:    #25D366;
  --green-10: #e8faf0;
  
  --emerald:  #10b981;
  --emerald-10:#e6f7f1;
  --grey-50:  #F8FAFC;
  --grey-100: #F1F5F9;
  --grey-200: #E2E8F0;
  --grey-400: #94A3B8;
  --grey-600: #64748B;
  --grey-900: #0F172A;
  --white:    #FFFFFF;
  
  --fh: 'Sora', sans-serif;
  --fb: 'DM Sans', sans-serif;
  --r:  16px;
  --rs: 10px;
  --sh: 0 4px 24px rgba(11,29,46,.08);
  --shl: 0 12px 48px rgba(11,29,46,.12);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
/* REMOVIDO O CONFLITO DE SCROLL AQUI */
html { scroll-padding-top: 90px; }
body { font-family: var(--fb); color: var(--grey-900); background: var(--white); overflow-x: hidden; }
h1,h2,h3,h4,h5,h6 { font-family: var(--fh); }
a { transition: all .2s; }
img { max-width: 100%; }

/* ============================================================
   NAVBAR & HAMBÚRGUER
============================================================ */
.navbar {
  background: var(--blue-900);
  padding: 10px 0;
  position: sticky; top: 0; z-index: 1050;
  box-shadow: 0 2px 16px rgba(0,0,0,.25);
}
.navbar-brand-txt {
  font-family: var(--fh); font-weight: 800; font-size: 1.45rem;
  color: #fff !important; text-decoration: none; letter-spacing: -.5px;
}
.navbar-brand-txt span { color: var(--orange); }
.nav-link {
  color: rgba(255,255,255,.82) !important;
  font-size: .88rem; font-weight: 500; padding: 6px 14px !important;
}
.nav-link:hover { color: var(--orange-l) !important; }

/* Menu Hambúrguer Minimalista */
.navbar-toggler { 
  border: none !important; 
  padding: 5px 0 !important; 
  box-shadow: none !important; 
}
.navbar-toggler:focus {
  outline: none !important;
  box-shadow: none !important;
}
.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba(255,255,255,0.8)' stroke-linecap='round' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

.btn-wa-nav {
  background: var(--green); color: #fff !important;
  border-radius: 50px; padding: 8px 22px !important;
  font-weight: 700; font-size: .88rem;
  display: inline-flex; align-items: center; gap: 7px;
  text-decoration: none;
}
.btn-wa-nav:hover { background: #1ebe5d; box-shadow: 0 4px 14px rgba(37,211,102,.45); transform: translateY(-1px); }

/* ============================================================
   HERO CAROUSEL PREMIUM
============================================================ */
.hero-carousel {
  height: calc(100vh - 66px); 
  min-height: 650px;
  position: relative;
  background-color: var(--blue-900);
  overflow: hidden;
}
.hero-bg-img {
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 25%;
  z-index: 0;
  transform: scale(1.08);
  transition: transform 8s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
.carousel-item.active .hero-bg-img { transform: scale(1); }

.carousel-overlay {
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: linear-gradient(90deg, rgba(11,29,46,0.95) 0%, rgba(11,29,46,0.7) 45%, transparent 100%),
              radial-gradient(circle at center, transparent 20%, rgba(0,0,0,0.3) 100%);
  z-index: 1;
}

.hero-carousel .carousel-caption {
  position: absolute;
  z-index: 2;
  top: 0; left: 0; right: 0; bottom: 0;
  padding: 0; 
  display: flex;
  align-items: center; 
}

.animate-up { opacity: 0; transform: translateY(30px); transition: all 0.8s cubic-bezier(0.2, 0.8, 0.2, 1); }
.carousel-item.active .animate-up { opacity: 1; transform: translateY(0); }
.carousel-item.active .delay-1 { transition-delay: 0.1s; }
.carousel-item.active .delay-2 { transition-delay: 0.25s; }
.carousel-item.active .delay-3 { transition-delay: 0.4s; }
.carousel-item.active .delay-4 { transition-delay: 0.55s; }
.carousel-item.active .delay-5 { transition-delay: 0.7s; }

.hero-carousel h1 { text-shadow: 0 4px 12px rgba(0,0,0,0.3); line-height: 1.15; }
.text-highlight { color: var(--orange); }
.text-white-75 { color: rgba(255, 255, 255, 0.85); font-size: 1.15rem; line-height: 1.7; max-width: 90%; }

.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(217, 119, 54, 0.15); 
  border: 1px solid rgba(217, 119, 54, 0.4);
  color: var(--orange); padding: 6px 18px; border-radius: 50px;
  font-size: .85rem; font-weight: 700; margin-bottom: 22px; font-family: var(--fh);
  backdrop-filter: blur(4px);
}
.btn-hero-main {
  background: var(--orange); color: #FFFFFF;
  border-radius: 50px; padding: 16px 40px;
  font-family: var(--fh); font-weight: 700; font-size: 1.05rem;
  display: inline-flex; align-items: center; gap: 10px;
  text-decoration: none; border: none;
  box-shadow: 0 8px 24px rgba(217, 119, 54, 0.35); 
  transition: all .3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}
.btn-hero-main:hover {
  background: var(--orange-h); color: #FFFFFF; 
  transform: translateY(-4px) scale(1.02);
  box-shadow: 0 16px 32px rgba(217, 119, 54, 0.5);
}

.hero-trust { display: flex; flex-wrap: wrap; gap: 20px; }
.hero-trust-item { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.9); font-size: .95rem; font-weight: 500; }
.hero-trust-item i { color: var(--orange); font-size: 1.2rem; filter: drop-shadow(0 2px 4px rgba(217,119,54,0.4)); }

.carousel-indicators { z-index: 3; margin-bottom: 2rem; gap: 8px; }
.carousel-indicators [data-bs-target] {
  width: 10px; height: 10px; border-radius: 50%;
  background-color: rgba(255, 255, 255, 0.3); border: none;
  transition: all 0.3s ease;
}
.carousel-indicators .active { background-color: var(--orange); width: 30px; border-radius: 10px; }

@media (max-width: 991px) {
  .carousel-overlay { background: linear-gradient(0deg, rgba(11,29,46,0.98) 0%, rgba(11,29,46,0.85) 55%, rgba(0,0,0,0.3) 100%); }
  .hero-carousel h1 { font-size: 2.5rem; }
}
@media (max-width: 575px) {
  .btn-hero-main { width: 100%; justify-content: center; }
  .hero-trust { flex-direction: column; gap: 12px; }
}

/* ============================================================
   BENEFITS BAR
============================================================ */
.benefits-bar { background: var(--blue-700); padding: 20px 0; }
.bbar-item { display: flex; align-items: center; gap: 10px; color: #fff; padding: 6px 0; }
.bbar-item i { color: var(--orange-l); font-size: 1.2rem; flex-shrink: 0; }
.bbar-item span { font-weight: 600; font-size: .88rem; }

/* ============================================================
   GENERIC SECTION HELPERS
============================================================ */
.sec { padding: 84px 0; position: relative; z-index: 1; overflow: hidden; }
.sec-alt { background: linear-gradient(135deg, var(--blue-50) 0%, var(--white) 100%); }
.sec-warm { background: linear-gradient(180deg, var(--white) 0%, var(--orange-10) 100%); }
.sec-warm::before {
  content: ''; position: absolute; top: -15%; left: -10%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(217, 119, 54, 0.06) 0%, transparent 70%);
  border-radius: 50%; z-index: -1;
}
.sec-warm::after {
  content: ''; position: absolute; bottom: -10%; right: -5%;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(11, 29, 46, 0.04) 0%, transparent 70%);
  border-radius: 50%; z-index: -1;
}
.sec-dark { background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-700) 100%); }
.sec-badge {
  display: inline-block; background: var(--blue-100); color: var(--blue-700);
  padding: 4px 14px; border-radius: 50px; font-size: .75rem; font-weight: 700;
  font-family: var(--fh); letter-spacing: 1.2px; text-transform: uppercase; margin-bottom: 10px;
}
.sec-badge.orange { background: var(--orange-10); color: var(--orange); }
.sec-title { font-size: clamp(1.55rem,4vw,2.4rem); font-weight: 800; color: var(--blue-900); line-height: 1.2; }
.sec-sub { color: var(--grey-600); font-size: 1.02rem; line-height: 1.75; }

/* ============================================================
   PRODUCT CARDS
============================================================ */
.prod-card { background: #fff; border-radius: 24px; overflow: hidden; box-shadow: var(--sh); height: 100%; transition: transform .3s, box-shadow .3s; }
.prod-card:hover { transform: translateY(-8px); box-shadow: var(--shl); }
.prod-head { padding: 30px; position: relative; overflow: hidden; }
.prod-head.fgts { 
  background: linear-gradient(135deg, rgba(11, 29, 46, 0.85) 0%, rgba(26, 52, 77, 0.92) 100%), 
              url('https://images.unsplash.com/photo-1579621970588-a35d0e7ab9b6?w=800&auto=format&fit=crop&q=80') center/cover no-repeat;
}
.prod-head.clt { 
  background: linear-gradient(135deg, rgba(191, 101, 43, 0.85) 0%, rgba(217, 119, 54, 0.92) 100%), 
              url('https://images.unsplash.com/photo-1521737604893-d14cc237f11d?w=800&auto=format&fit=crop&q=80') center/cover no-repeat;
}
.prod-head::before { 
  content:''; position:absolute; right:-28px; top:-28px; 
  width:130px; height:130px; background:rgba(255,255,255,.1); border-radius:50%; 
}
.prod-icon { 
  width:58px; height:58px; background:rgba(255,255,255,.2); 
  border-radius:14px; display:flex; align-items:center; justify-content:center; 
  font-size:1.7rem; margin-bottom:14px; 
  backdrop-filter: blur(4px); border: 1px solid rgba(255,255,255, 0.2);
}
.prod-head h3 { color:#fff; font-size:1.35rem; font-weight:800; margin-bottom:6px; }
.prod-head p  { color:rgba(255,255,255,.88); font-size:.88rem; margin:0; }
.chip-row { margin-top:10px; display:flex; flex-wrap:wrap; gap:6px; }
.chip { display:inline-flex; align-items:center; gap:4px; padding:3px 10px; border-radius:50px; font-size:.74rem; font-weight:700; background:rgba(255,255,255,.15); color:#fff; }
.chip-g { background:var(--green-10); color:#059669; }
.chip-b { background:var(--blue-100); color:var(--blue-700); }
.chip-o { background:var(--orange-10); color:var(--orange); }
.prod-body { padding: 28px; }
.prow { display: flex; align-items: flex-start; gap: 12px; padding: 13px 0; border-bottom: 1px solid var(--grey-200); }
.prow:last-of-type { border-bottom: none; }
.prow-ic { width: 36px; height: 36px; border-radius: 10px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: .95rem; margin-top: 2px; }
.prow-ic.b { background:var(--blue-100); color:var(--blue-700); }
.prow-ic.o { background:var(--orange-10); color:var(--orange); }
.prow-ic.g { background:var(--emerald-10); color:var(--emerald); }
.prow-lbl { font-size:.77rem; color:var(--grey-400); font-weight:500; margin-bottom:2px; }
.prow-val { font-family:var(--fh); font-size:.93rem; font-weight:700; color:var(--grey-900); }
.prow-note{ font-size:.77rem; color:var(--grey-600); margin-top:2px; }
.btn-prod { display: flex; justify-content: center; align-items: center; gap: 8px; background: var(--blue-700); color: #fff; padding: 13px; border-radius: 12px; font-family: var(--fh); font-weight: 700; font-size: .93rem; text-decoration: none; margin-top: 18px; }
.btn-prod.orange { background: var(--orange); }
.btn-prod:hover { color: #fff; opacity: .9; transform: translateY(-2px); }

/* ============================================================
   HOW IT WORKS
============================================================ */
.step-card { background: var(--grey-50); border-radius: 20px; padding: 30px 22px; text-align: center; height: 100%; transition: transform .3s; }
.step-card:hover { transform: translateY(-5px); }
.step-num { width: 58px; height: 58px; background: var(--blue-700); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--fh); font-weight: 800; font-size: 1.35rem; color: #fff; margin: 0 auto 16px; }
.step-ic { font-size: 1.9rem; margin-bottom: 12px; }
.step-card h4 { font-size: 1.05rem; font-weight: 700; margin-bottom: 8px; color: var(--blue-900); }
.step-card p  { color: var(--grey-600); font-size: .88rem; line-height: 1.65; margin: 0; }

/* ============================================================
   BANKS CAROUSEL
============================================================ */
.bank-slide-inner { background: #fff; border-radius: 14px; height: 82px; display: flex; align-items: center; justify-content: center; box-shadow: 0 2px 12px rgba(0,0,0,.06); padding: 15px 24px; border: 2px solid transparent; transition: all .3s; cursor: pointer; }
.bank-slide-inner:hover { border-color: var(--blue-700); box-shadow: var(--sh); }
.bank-logo { max-width: 100%; max-height: 40px; object-fit: contain; filter: grayscale(100%) opacity(0.5); transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275); }
.bank-slide-inner:hover .bank-logo { filter: grayscale(0%) opacity(1); transform: scale(1.08); }

/* ============================================================
   NUMBERS & ABOUT & TESTIMONIALS
============================================================ */
/* ... (mantenha o que vem antes) ... */

.testi-card { 
  background:#fff; border-radius:20px; padding:26px; box-shadow:var(--sh); 
  height:100%; position:relative; transition:transform .3s; 
  display: flex; /* NOVO: Torna o card flexível */
  flex-direction: column; /* NOVO: Empilha os itens */
}
.testi-card:hover { transform:translateY(-4px); }
.testi-card::before { content:'"'; position:absolute; top:12px; right:20px; font-size:4.5rem; color:var(--grey-100); font-family:Georgia,serif; line-height:1; }
.testi-stars { color:#FFB800; margin-bottom:12px; font-size:.88rem; }
.testi-text  { 
  color:var(--grey-600); font-size:.88rem; line-height:1.75; margin-bottom:18px; 
  flex-grow: 1; /* NOVO: Faz o texto empurrar o autor lá para baixo */
}
.testi-author { display:flex; align-items:center; gap:11px; }

/* NOVA ESTILIZAÇÃO PARA IMAGEM COM LINK */
.testi-av-link {
  display: block;
  flex-shrink: 0;
  border-radius: 50%;
}
.testi-av-img {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover; /* Evita que a foto fique esticada */
  border: 2px solid transparent;
  transition: all 0.3s ease;
}
.testi-av-link:hover .testi-av-img {
  border-color: var(--orange); /* Dá um destaque laranja ao passar o mouse */
  transform: scale(1.08);
}

.testi-name { font-weight:700; font-size:.88rem; color:var(--grey-900); }
.testi-role { font-size:.77rem; color:var(--grey-400); }

/* ============================================================
   FAQ & CONTACT
============================================================ */
.faq-cat { font-family:var(--fh); font-size:1rem; font-weight:700; margin:28px 0 12px; }
.faq-cat.blue   { color:var(--blue-700); }
.faq-cat.orange { color:var(--orange); }
.accordion-item { border: 1px solid var(--grey-200) !important; border-radius: var(--rs) !important; margin-bottom: 10px; overflow: hidden; }
.accordion-button { font-family: var(--fh); font-weight: 600; font-size: .92rem; color: var(--blue-900) !important; background: #fff !important; padding: 16px 22px; box-shadow: none !important; }
.accordion-button:not(.collapsed) { background: var(--blue-50) !important; color: var(--blue-700) !important; }
.accordion-body { font-size: .88rem; color: var(--grey-600); line-height: 1.75; padding: 14px 22px 18px; }
.contact-card { background:#fff; border-radius:20px; padding:30px; box-shadow:var(--sh); height:100%; }
.citem { display:flex; gap:14px; align-items:flex-start; padding:14px 0; border-bottom:1px solid var(--grey-200); }
.citem:last-of-type { border-bottom:none; }
.citem-ic { width:42px; height:42px; border-radius:11px; display:flex; align-items:center; justify-content:center; font-size:1.15rem; flex-shrink:0; }
.citem-ic.b { background:var(--blue-100); color:var(--blue-700); }
.citem-ic.g { background:var(--green-10); color:var(--green); }
.citem-ic.o { background:var(--orange-10); color:var(--orange); }
.citem-lbl { font-size:.76rem; color:var(--grey-400); }
.citem-val { font-family:var(--fh); font-size:.92rem; font-weight:700; color:var(--grey-900); }
.citem-note{ font-size:.78rem; color:var(--grey-600); }
.map-wrap { border-radius:20px; overflow:hidden; box-shadow:var(--sh); height:100%; min-height:380px; }
.map-wrap iframe { width:100%; height:100%; border:none; display:block; }

/* ============================================================
   CTA BANNER
============================================================ */
.cta-banner { background: linear-gradient(135deg, var(--orange) 0%, #FF9500 100%); padding: 64px 0; text-align: center; }
.cta-banner h2 { color:#fff; font-size:clamp(1.55rem,4vw,2.4rem); font-weight:800; margin-bottom:12px; }
.cta-banner p  { color:rgba(255,255,255,.88); font-size:1.02rem; margin-bottom:30px; }
.btn-cta-wh { background:#fff; color:var(--orange); border-radius:50px; padding:15px 40px; font-family:var(--fh); font-weight:700; font-size:1.02rem; display:inline-flex; align-items:center; gap:10px; text-decoration:none; box-shadow:0 8px 24px rgba(0,0,0,.15); transition:all .3s; }
.btn-cta-wh:hover { color:var(--orange-h); transform:translateY(-3px); box-shadow:0 12px 32px rgba(0,0,0,.22); }


/* ============================================================
   FOOTER PREMIUM (CENTRALIZADO)
============================================================ */
.footer-premium { background: var(--blue-900); padding: 70px 0 30px; text-align: center; }
.ft-brand { font-family: var(--fh); font-weight: 800; font-size: 1.6rem; color: #fff; margin-bottom: 12px; }
.ft-brand span { color: var(--orange); }

.ft-desc-new { font-size: .85rem; color: rgba(255,255,255,.65); line-height: 1.7; margin: 10px auto 20px; max-width: 400px; }

/* Ícones Sociais (Caixinhas) */
.ft-social-new { display: flex; gap: 10px; justify-content: center; margin-bottom: 30px; }
.ft-social-new a {
  width: 40px; height: 40px; border-radius: 10px; background: rgba(255,255,255,.06);
  display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.8);
  text-decoration: none; font-size: 1.05rem; transition: all .3s;
  border: 1px solid rgba(255,255,255,.05);
}
.ft-social-new a:hover { background: var(--orange); color: #fff; border-color: var(--orange); transform: translateY(-3px); }

/* Títulos das Colunas */
.ft-title-new { 
  font-family: var(--fh); font-size: .85rem; font-weight: 700; 
  color: var(--orange); text-transform: uppercase; letter-spacing: 1px; 
  margin-bottom: 22px; 
}

/* Links */
.ft-links-new a { 
  display: block; color: rgba(255,255,255,.65); font-size: .88rem; 
  margin-bottom: 14px; text-decoration: none; transition: color .2s; 
}
.ft-links-new a:hover { color: var(--orange-l); }

/* Lista de Contato */
.ft-contact-list { list-style: none; padding: 0; margin: 0; }
.ft-contact-list li { 
  display: flex; gap: 12px; align-items: center; justify-content: center; 
  color: rgba(255,255,255,.65); font-size: .88rem; margin-bottom: 18px; line-height: 1.6;
}
.ft-contact-list i { font-size: 1.1rem; color: rgba(255,255,255,.4); margin-top: 2px; }

/* Link do Grupo ALC no Footer */
.ft-grupo-link { color: rgba(255,255,255,.8); text-decoration: underline; text-decoration-color: rgba(255,255,255,.3); transition: all .2s; }
.ft-grupo-link:hover { color: var(--orange); text-decoration-color: var(--orange); }

/* Linha do Meio (CNPJ e Links Legais) */
.footer-middle {
  margin: 50px 0 30px; padding: 30px 0;
  border-top: 1px solid rgba(255,255,255,.08);
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.ft-copy { font-size: .8rem; color: rgba(255,255,255,.5); line-height: 1.6; }
.ft-copy strong { color: rgba(255,255,255,.8); }

.ft-legal-links { display: flex; justify-content: center; gap: 20px; flex-wrap: wrap; margin-top: 15px; }
.ft-legal-links a { color: rgba(255,255,255,.6); font-size: .85rem; text-decoration: underline; transition: color .2s; }
.ft-legal-links a:hover { color: var(--orange); }

/* Linha Inferior (Texto BACEN) */
.footer-bottom p { font-size: .68rem; color: rgba(255,255,255,.35); line-height: 1.7; margin: 0; text-align: justify; text-align-last: center; }

/* ============================================================
   WHATSAPP FLOAT
============================================================ */
.wa-float { position:fixed; bottom:26px; right:26px; width:60px; height:60px; background:var(--green); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:1.75rem; color:#fff; text-decoration:none; z-index:9999; box-shadow:0 6px 20px rgba(37,211,102,.5); animation:wa-pulse 2.5s ease-in-out infinite; transition:transform .2s; }
.wa-float:hover { color:#fff; transform:scale(1.1); }
@keyframes wa-pulse { 0%,100% { box-shadow:0 6px 20px rgba(37,211,102,.5); } 50% { box-shadow:0 6px 20px rgba(37,211,102,.5), 0 0 0 14px rgba(37,211,102,.1); } }
.swiper-pagination-bullet-active { background:var(--blue-700) !important; }

/* ============================================================
   SOBRE NÓS (CARDS)
============================================================ */
.about-img { width:100%; height:460px; object-fit:cover; border-radius:22px; box-shadow:var(--shl); }

.abt-card { 
  display: flex; align-items: flex-start; gap: 16px; 
  background: #ffffff; padding: 22px; border-radius: 18px; 
  box-shadow: 0 4px 15px rgba(11,29,46,.05); border: 1px solid rgba(0,0,0,.03);
  transition: transform 0.3s ease, box-shadow 0.3s ease; 
}
.abt-card:hover { 
  transform: translateY(-4px); 
  box-shadow: 0 10px 25px rgba(11,29,46,.08); 
}
.abt-card-ic { 
  width: 52px; height: 52px; border-radius: 14px; 
  display: flex; align-items: center; justify-content: center; 
  font-size: 1.4rem; flex-shrink: 0; 
}
.abt-card-ic.b { background: var(--blue-100); color: var(--blue-700); }
.abt-card-ic.o { background: var(--orange-10); color: var(--orange); }
.abt-card-ic.g { background: var(--emerald-10); color: var(--emerald); }

.abt-card-txt h5 { font-size: 1.05rem; font-weight: 700; color: var(--blue-900); margin-bottom: 6px; }
.abt-card-txt p  { font-size: 0.9rem; color: var(--grey-600); line-height: 1.6; margin: 0; }