/* ═══════════════════════════════════════════════════
   CRÉDITO COOPERATIVO — DESIGN SYSTEM
   Paleta: #003641 · #005060 · #00AE9D · #7DB61C
   Fonte: IBM Plex Sans
═══════════════════════════════════════════════════ */

:root {
  --ink:    #001e28;
  --dark:   #003641;
  --mid:    #005060;
  --teal:   #00AE9D;
  --teal2:  #007a70;
  --lime:   #7DB61C;
  --wa:     #25D366;
  --wa2:    #1aad56;
  --white:  #FFFFFF;
  --bg:     #F2F5F8;
  --line:   #DDE5EB;
  --muted:  #8FA3B0;
  --body:   #3A4D5C;

  /* sombras com matiz da marca */
  --s0: 0 1px 3px rgba(0,30,40,.05);
  --s1: 0 2px 10px rgba(0,30,40,.08);
  --s2: 0 6px 24px rgba(0,30,40,.11);
  --s3: 0 14px 48px rgba(0,30,40,.15);
  --steal: 0 6px 20px rgba(0,174,157,.28);

  --r:   10px;
  --rl:  16px;
  --rx:  22px;
  --pill:999px;
  --ease:cubic-bezier(.4,0,.2,1);
  --t: .22s var(--ease);
}

/* ── BASE ─────────────────────────────────────── */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:'IBM Plex Sans','Segoe UI',sans-serif;
  font-size:16px;color:var(--body);
  background:var(--white);line-height:1.62;
  -webkit-font-smoothing:antialiased;
}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
ul{list-style:none}
.container{max-width:1180px;margin:0 auto;padding:0 32px}

/* ── HEADER ───────────────────────────────────── */
header{
  background:var(--white);
  border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:1000;
  box-shadow:var(--s0);
}
.header-container{
  max-width:1180px;margin:0 auto;padding:0 32px;
  height:70px;display:flex;align-items:center;
  justify-content:space-between;gap:16px;
}
.logo{display:flex;align-items:center;gap:13px}
.logo-img-wrap{
  background:var(--dark);border-radius:var(--r);
  padding:8px 11px;display:flex;align-items:center;
  justify-content:center;
}
.logo-img{height:34px;width:auto;object-fit:contain;display:block}
.logo-img--footer{height:32px}
.logo-sep{width:1px;height:30px;background:var(--line);flex-shrink:0}
.logo-texto{display:flex;flex-direction:column;line-height:1.2}
.logo-nome{font-weight:700;font-size:.97rem;color:var(--dark);letter-spacing:-.01em;white-space:nowrap}
.logo-slogan{font-size:.63rem;font-weight:500;color:var(--muted);letter-spacing:.06em;text-transform:uppercase;white-space:nowrap}
.btn-header{
  background:var(--wa);color:#fff;
  padding:11px 22px;border-radius:var(--pill);
  font-weight:600;font-size:.875rem;
  display:flex;align-items:center;gap:8px;
  transition:all var(--t);
  box-shadow:0 2px 12px rgba(37,211,102,.25);
}
.btn-header:hover{background:var(--wa2);transform:translateY(-1px);box-shadow:0 5px 18px rgba(37,211,102,.38)}

/* ── HERO ─────────────────────────────────────── */
.hero{
  background:linear-gradient(148deg, var(--dark) 0%, var(--mid) 55%, #002e3d 100%);
  color:#fff;padding:80px 32px 116px;
  position:relative;overflow:hidden;
}
.hero::before{
  content:'';position:absolute;top:-20%;right:-6%;
  width:600px;height:600px;border-radius:50%;pointer-events:none;
  background:radial-gradient(circle, rgba(0,174,157,.22) 0%, transparent 62%);
}
.hero::after{
  content:'';position:absolute;bottom:-20%;left:-5%;
  width:400px;height:400px;border-radius:50%;pointer-events:none;
  background:radial-gradient(circle, rgba(125,182,28,.12) 0%, transparent 65%);
}
.hero-inner{
  max-width:1180px;margin:0 auto;
  display:grid;grid-template-columns:1fr 248px;
  align-items:center;gap:56px;position:relative;z-index:2;
}
.hero-text{display:flex;flex-direction:column;align-items:flex-start}
.tag{
  display:inline-flex;align-items:center;gap:7px;
  color:rgba(255,255,255,.78);font-size:.82rem;font-weight:500;
  margin-bottom:22px;letter-spacing:.01em;
}
.hero-text h1{
  font-size:clamp(2.1rem,4.8vw,3.2rem);font-weight:700;
  line-height:1.12;margin-bottom:18px;letter-spacing:-.028em;color:#fff;
}
.hero-text h1 em{font-style:normal;color:var(--teal)}
.hero-text p{
  font-size:1.07rem;color:rgba(255,255,255,.8);
  margin-bottom:34px;max-width:460px;line-height:1.7;
}
.btn-cta{
  display:inline-flex;align-items:center;gap:10px;
  background:var(--wa);color:#fff;
  font-size:1.02rem;font-weight:700;
  padding:16px 32px;border-radius:var(--pill);
  transition:all var(--t);
  box-shadow:0 4px 20px rgba(37,211,102,.4);
  margin-bottom:24px;letter-spacing:.01em;
}
.btn-cta:hover{background:var(--wa2);transform:translateY(-2px);box-shadow:0 8px 28px rgba(37,211,102,.5)}
.hero-checks{display:flex;gap:20px;flex-wrap:wrap}
.hero-checks li{display:flex;align-items:center;gap:7px;font-size:.84rem;font-weight:500;color:rgba(255,255,255,.75)}
.hero-checks i{color:var(--teal);font-size:.8rem}

/* ── VSL player ───────────────────────────────── */
.hero-media{display:flex;justify-content:center}
.vsl-frame{
  position:relative;width:248px;aspect-ratio:9/16;
  background:#000;border-radius:24px;overflow:hidden;
  box-shadow:0 0 0 2.5px rgba(0,174,157,.5),var(--s3);
  cursor:pointer;flex-shrink:0;
}
.vsl-video{width:100%;height:100%;object-fit:contain;display:block;background:#000}
.vsl-overlay{
  position:absolute;inset:0;background:rgba(0,14,20,.55);
  display:flex;flex-direction:column;align-items:center;
  justify-content:center;gap:12px;z-index:4;transition:opacity .3s;
}
.vsl-overlay.hidden{opacity:0;pointer-events:none}
.vsl-play{
  width:60px;height:60px;border-radius:50%;border:none;
  background:linear-gradient(135deg,var(--teal),var(--teal2));
  color:#fff;font-size:1.3rem;cursor:pointer;
  display:flex;align-items:center;justify-content:center;padding-left:4px;
  box-shadow:0 0 0 14px rgba(0,174,157,.13),var(--steal);
  transition:transform .2s;
}
.vsl-play:hover{transform:scale(1.1)}
.vsl-label{font-size:.73rem;font-weight:600;color:rgba(255,255,255,.78);letter-spacing:.03em}
.vsl-bar{
  position:absolute;bottom:0;left:0;right:0;
  padding:24px 9px 9px;
  background:linear-gradient(to top,rgba(0,0,0,.92) 0%,transparent 100%);
  display:flex;flex-direction:column;gap:5px;
  z-index:5;opacity:0;pointer-events:none;transition:opacity .25s;
}
.vsl-bar.visible{opacity:1;pointer-events:all}
.vsl-progress{width:100%;cursor:pointer;padding:5px 0}
.vsl-track{position:relative;height:3px;background:rgba(255,255,255,.22);border-radius:99px}
.vsl-fill{height:100%;background:var(--teal);border-radius:99px;width:0%;transition:width .15s linear}
.vsl-thumb{position:absolute;top:50%;left:0;transform:translate(-50%,-50%);width:10px;height:10px;background:#fff;border-radius:50%;transition:left .15s linear}
.vsl-btns{display:flex;align-items:center;gap:3px}
.vb{background:none;border:none;color:#fff;font-size:.82rem;cursor:pointer;padding:4px 5px;border-radius:5px;opacity:.88;transition:opacity .15s,background .15s;flex-shrink:0}
.vb:hover{opacity:1;background:rgba(255,255,255,.12)}
.vb-r{margin-left:auto}
.vsl-vol{-webkit-appearance:none;appearance:none;width:42px;height:3px;background:rgba(255,255,255,.25);border-radius:99px;outline:none;cursor:pointer}
.vsl-vol::-webkit-slider-thumb{-webkit-appearance:none;width:10px;height:10px;border-radius:50%;background:#fff;cursor:pointer}
.vsl-time{font-size:.65rem;font-weight:600;color:rgba(255,255,255,.82);margin-left:3px;white-space:nowrap;font-variant-numeric:tabular-nums}

/* ── STATS ────────────────────────────────────── */
.stats-wrap{background:transparent;position:relative;z-index:3;padding:0 32px}
.stats-inner{
  max-width:920px;margin:0 auto;
  background:linear-gradient(135deg,var(--dark) 0%,var(--mid) 100%);
  border-radius:var(--rl);
  box-shadow:var(--s3),0 0 0 1px rgba(0,174,157,.2);
  display:flex;align-items:center;
  transform:translateY(-48px);overflow:hidden;
}
.stat{flex:1;text-align:center;padding:28px 16px;display:flex;flex-direction:column;gap:5px}
.stat strong{font-size:1.9rem;font-weight:700;color:#fff;letter-spacing:-.04em;line-height:1}
.stat span{font-size:.68rem;font-weight:600;color:rgba(255,255,255,.58);text-transform:uppercase;letter-spacing:.07em}
.stat-line{width:1px;height:44px;background:rgba(255,255,255,.12);flex-shrink:0}

/* ── SEÇÕES ────────────────────────────────────── */
.section-light{
  background:linear-gradient(180deg,#edf3f7 0%,#f4f8fa 100%);
  padding:0 32px 96px;
}
.section-white{background:var(--white);padding:96px 32px}
.section-head{text-align:center;margin-bottom:60px}
.section-head h2{font-size:clamp(1.7rem,3.2vw,2.35rem);font-weight:700;color:var(--dark);margin-bottom:13px;letter-spacing:-.022em;line-height:1.18}
.section-head p{color:var(--body);font-size:1rem;max-width:520px;margin:0 auto;line-height:1.65}
.section-head--inv h2{color:#fff}
.section-head--inv p{color:rgba(255,255,255,.7)}
.badge{
  display:inline-block;
  background:linear-gradient(135deg,rgba(0,174,157,.1),rgba(0,80,96,.07));
  color:var(--dark);font-size:.7rem;font-weight:700;
  text-transform:uppercase;letter-spacing:.1em;
  padding:5px 14px;border-radius:var(--pill);
  margin-bottom:15px;border:1px solid rgba(0,174,157,.22);
}
.badge--inv{background:rgba(255,255,255,.1);color:rgba(255,255,255,.8);border-color:rgba(255,255,255,.2)}

/* ── BENEFÍCIOS ────────────────────────────────── */
.cards-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card-benefit{
  background:var(--white);
  padding:30px 26px;border-radius:var(--rl);
  border:1px solid var(--line);
  box-shadow:var(--s0);
  transition:transform var(--t),box-shadow var(--t),border-color var(--t);
  position:relative;overflow:hidden;
}
.card-benefit::after{
  content:'';position:absolute;
  top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--teal),var(--lime));
  opacity:0;transition:opacity var(--t);
}
.card-benefit:hover{transform:translateY(-6px);box-shadow:var(--s3);border-color:rgba(0,174,157,.3)}
.card-benefit:hover::after{opacity:1}
.card-icon{
  width:52px;height:52px;
  background:linear-gradient(135deg,rgba(0,174,157,.12),rgba(0,96,110,.07));
  border-radius:var(--r);
  display:flex;align-items:center;justify-content:center;
  font-size:1.35rem;color:var(--teal);
  margin-bottom:18px;transition:background var(--t),color var(--t);
}
.card-benefit:hover .card-icon{background:linear-gradient(135deg,var(--teal),var(--teal2));color:#fff}
.card-benefit h3{font-size:1.02rem;font-weight:700;margin-bottom:10px;color:var(--dark)}
.card-benefit p{color:var(--body);font-size:.92rem;line-height:1.62}

/* ── MODALIDADES ───────────────────────────────── */
.cards-mod{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card-mod{
  border:1.5px solid var(--line);border-radius:var(--rl);
  padding:28px 24px;display:flex;flex-direction:column;
  background:var(--white);transition:all var(--t);
}
.card-mod:hover{border-color:var(--teal);box-shadow:var(--s2),0 0 0 1px var(--teal);transform:translateY(-4px)}
.card-mod--destaque{
  border-color:var(--teal);
  box-shadow:0 0 0 1.5px var(--teal),var(--s2);
  background:linear-gradient(175deg,rgba(0,174,157,.05) 0%,var(--white) 60%);
}
.card-mod-top{display:flex;align-items:center;gap:10px;margin-bottom:16px}
.mod-icon{
  width:48px;height:48px;
  background:linear-gradient(135deg,rgba(0,174,157,.12),rgba(0,96,110,.07));
  border-radius:var(--r);display:flex;align-items:center;justify-content:center;
  font-size:1.25rem;color:var(--teal);flex-shrink:0;
}
.mod-badge{
  background:linear-gradient(90deg,var(--teal),var(--mid));
  color:#fff;font-size:.66rem;font-weight:700;
  text-transform:uppercase;letter-spacing:.05em;
  padding:4px 11px;border-radius:var(--pill);
}
.card-mod h3{font-size:1.05rem;font-weight:700;color:var(--dark);margin-bottom:9px;letter-spacing:-.01em}
.card-mod p{color:var(--body);font-size:.91rem;line-height:1.62;flex-grow:1;margin-bottom:18px}
.card-mod ul{display:flex;flex-direction:column;gap:7px;margin-bottom:22px}
.card-mod ul li{display:flex;align-items:center;gap:8px;font-size:.86rem;font-weight:500;color:var(--body)}
.card-mod ul li i{color:var(--teal);font-size:.7rem;flex-shrink:0}
.btn-mod{
  display:flex;align-items:center;justify-content:center;gap:8px;
  background:linear-gradient(135deg,var(--dark),var(--mid));
  color:#fff;font-weight:600;font-size:.88rem;
  padding:14px 18px;border-radius:var(--pill);
  transition:all var(--t);
}
.btn-mod:hover{background:linear-gradient(135deg,var(--teal),var(--teal2));transform:translateY(-2px);box-shadow:var(--steal)}
.btn-mod--outline{background:transparent;color:var(--dark);border:1.5px solid var(--line)}
.btn-mod--outline:hover{background:linear-gradient(135deg,var(--dark),var(--mid));color:#fff;border-color:transparent}

/* ── COMO FUNCIONA ─────────────────────────────── */
.section-dark{
  background:linear-gradient(148deg,var(--dark) 0%,var(--mid) 55%,#003848 100%);
  color:#fff;padding:96px 32px;position:relative;overflow:hidden;
}
.section-dark::before{
  content:'';position:absolute;top:-30%;right:-5%;
  width:520px;height:520px;border-radius:50%;pointer-events:none;
  background:radial-gradient(circle,rgba(0,174,157,.18) 0%,transparent 65%);
}
.steps{
  display:flex;align-items:flex-start;justify-content:center;
  flex-wrap:wrap;margin-top:56px;position:relative;z-index:1;
}
.step{text-align:center;flex:1;min-width:160px;max-width:205px}
.step-arrow{
  display:flex;align-items:center;justify-content:center;
  color:rgba(255,255,255,.2);font-size:.95rem;
  padding-top:28px;flex-shrink:0;
}
.step-num{
  width:64px;height:64px;
  background:rgba(255,255,255,.06);
  border:2px solid rgba(0,174,157,.35);
  color:var(--teal);font-size:1.5rem;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 18px;transition:all var(--t);
}
.step:hover .step-num{
  background:linear-gradient(135deg,var(--teal),var(--teal2));
  border-color:var(--teal);color:#fff;
  transform:scale(1.08);
  box-shadow:0 6px 22px rgba(0,174,157,.4);
}
.step h3{font-size:.97rem;font-weight:700;margin-bottom:8px;color:#fff;letter-spacing:-.01em}
.step p{font-size:.86rem;color:rgba(255,255,255,.65);line-height:1.55}

/* ── CTA FINAL ─────────────────────────────────── */
.cta-section{
  background:linear-gradient(135deg,var(--teal) 0%,var(--mid) 60%,#003040 100%);
  padding:0;position:relative;overflow:hidden;
}
.cta-section::before{
  content:'';position:absolute;top:-35%;left:-8%;
  width:560px;height:560px;border-radius:50%;pointer-events:none;
  background:radial-gradient(circle,rgba(255,255,255,.07) 0%,transparent 65%);
}
.cta-section::after{
  content:'';position:absolute;bottom:-30%;right:-6%;
  width:380px;height:380px;border-radius:50%;pointer-events:none;
  background:radial-gradient(circle,rgba(125,182,28,.13) 0%,transparent 65%);
}
.cta-inner{max-width:680px;margin:0 auto;padding:92px 32px;text-align:center;position:relative;z-index:1}
.cta-text h2{font-size:clamp(1.85rem,4vw,2.6rem);font-weight:700;color:#fff;margin-bottom:16px;letter-spacing:-.028em}
.cta-text p{font-size:1.07rem;color:rgba(255,255,255,.86);margin-bottom:38px;line-height:1.7}
.btn-cta-white{
  display:inline-flex;align-items:center;gap:10px;
  background:#fff;color:var(--dark);
  font-size:1.02rem;font-weight:700;
  padding:18px 38px;border-radius:var(--pill);
  transition:all var(--t);
  box-shadow:0 6px 26px rgba(0,0,0,.15);
}
.btn-cta-white:hover{transform:translateY(-3px);box-shadow:0 12px 40px rgba(0,0,0,.22)}
.cta-selos{
  display:flex;justify-content:center;gap:24px;
  flex-wrap:wrap;margin-top:26px;
  font-size:.83rem;font-weight:500;color:rgba(255,255,255,.72);
}
.cta-selos span{display:flex;align-items:center;gap:6px}

/* ── FOOTER ────────────────────────────────────── */
footer{
  background:linear-gradient(180deg,#001820 0%,#000e16 100%);
  color:#fff;padding:52px 32px 30px;text-align:center;
}
.footer-inner{max-width:600px;margin:0 auto}
.logo-footer{justify-content:center}
.logo-sep--footer{background:rgba(255,255,255,.14)}
.logo-nome--footer{color:#fff}
.logo-slogan--footer{color:rgba(255,255,255,.36)}
.footer-div{
  width:44px;height:2px;
  background:linear-gradient(90deg,var(--teal),var(--lime));
  margin:22px auto 20px;border-radius:2px;
}
.footer-info{color:rgba(255,255,255,.55);font-size:.88rem;line-height:1.7;margin-bottom:12px}
.footer-info i{color:var(--teal);margin-right:2px}
.footer-aviso{color:rgba(255,255,255,.26);font-size:.76rem}
.footer-aviso i{color:rgba(255,255,255,.26)}

/* ── BOTÃO FLUTUANTE ───────────────────────────── */
.float-btn{
  position:fixed;bottom:28px;right:28px;
  display:flex;align-items:center;gap:9px;
  background:linear-gradient(135deg,var(--wa),var(--wa2));
  color:#fff;font-weight:600;font-size:.85rem;
  padding:13px 20px 13px 15px;border-radius:var(--pill);
  box-shadow:0 4px 20px rgba(37,211,102,.42);
  z-index:999;transition:all var(--t);
}
.float-btn i{font-size:1.25rem;line-height:1}
.float-btn span{white-space:nowrap}
.float-btn:hover{transform:scale(1.04) translateY(-2px);box-shadow:0 8px 28px rgba(37,211,102,.58)}

/* ── RESPONSIVO ────────────────────────────────── */
@media(max-width:1100px){
  .cards-4{grid-template-columns:repeat(2,1fr)}
  .cards-mod{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:860px){
  .hero-inner{grid-template-columns:1fr;gap:32px}
  .hero-text{align-items:center;text-align:center}
  .hero-text p{max-width:100%;margin-left:auto;margin-right:auto}
  .hero-checks{justify-content:center}
  .hero-media{order:-1}
  .vsl-frame{width:190px}
  .vsl-vol{display:none}
}
@media(max-width:768px){
  .hero{padding:48px 20px 84px}
  .btn-header span{display:none}
  .btn-header{padding:10px 14px}
  .container,.section-light,.section-white,.section-dark,.cta-inner,.stats-wrap{padding-left:20px;padding-right:20px}
  .section-light{padding-bottom:72px}
  .section-white{padding-top:72px;padding-bottom:72px}
  .section-dark{padding-top:72px;padding-bottom:72px}
  .cta-inner{padding-top:72px;padding-bottom:72px}
  .steps{display:grid;grid-template-columns:1fr 1fr;gap:30px}
  .step-arrow{display:none}
  .step{max-width:100%}
  .float-btn{bottom:20px;right:20px;padding:11px 15px 11px 13px}
  .float-btn span{display:none}
}
@media(max-width:600px){
  .cards-4{grid-template-columns:1fr}
  .cards-mod{grid-template-columns:1fr}
  .stats-inner{display:grid;grid-template-columns:1fr 1fr;transform:translateY(-36px);margin:0 12px}
  .stat-line{display:none}
  .stat:nth-child(2),.stat:nth-child(4){border-left:1px solid rgba(255,255,255,.1)}
  .stat:nth-child(3),.stat:nth-child(4){border-top:1px solid rgba(255,255,255,.1)}
  .hero-text h1{font-size:1.8rem}
  .steps{grid-template-columns:1fr}
  .logo-slogan,.logo-sep{display:none}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}