/* =========================================================
   Manzimo Mortgage — estilos base
   Mude as cores e fontes aqui em cima e o site todo acompanha.
   ========================================================= */
:root {
  /* Cores: verde bem escuro + dourado da logo */
  --green-950: #010d08;  /* verde mais profundo (degradê, rodapé) */
  --green-900: #04190f;  /* verde principal */
  --green-800: #0a2a1c;  /* verde um pouco mais claro */
  --green-700: #123826;  /* detalhes / hover em fundo escuro */
  --gold-300: #f8d8a6;   /* dourado claro (destaques no fundo escuro) */
  --gold-400: #e9c48e;   /* hover dos botões */
  --gold-500: #d5b07d;   /* dourado principal (botões) */
  --gold-700: #8a6a3f;   /* dourado escuro (texto sobre fundo claro) */
  --cream-50: #f8f5ef;   /* fundo claro de seção */
  --ink:      #0c1a13;   /* texto */
  --muted:    #4e5c55;   /* texto secundário */
  --line:     #e4e0d8;   /* bordas */
  --white:    #ffffff;

  --font: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --radius: 16px;
  --radius-pill: 999px;
  --shadow: 0 10px 30px rgba(0, 41, 29, 0.08);
  --container: 1160px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul, ol { list-style: none; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }

/* ---------- Botões ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 28px; border-radius: var(--radius-pill);
  font-weight: 700; font-size: 1rem; border: 2px solid transparent;
  cursor: pointer; transition: background .2s, color .2s, transform .2s, border-color .2s;
  font-family: inherit;
}
.btn:hover { transform: translateY(-1px); }
.btn--primary { background: var(--gold-500); color: var(--green-900); }
.btn--primary:hover { background: var(--gold-400); }
.btn--ghost { border-color: rgba(255,255,255,.4); color: var(--white); }
.btn--ghost:hover { border-color: var(--white); background: rgba(255,255,255,.08); }
.btn--sm { padding: 10px 20px; font-size: .9rem; }
.btn--full { width: 100%; }

/* ---------- Header ---------- */
.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(4,25,15,.96); backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(213,176,125,.18);
}
.header__inner { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 24px; }

.logo { display: flex; align-items: center; }
.logo__img { height: 40px; width: auto; }
.logo__img--footer { height: 44px; }

.nav { display: flex; gap: 32px; }
.nav a { font-weight: 600; font-size: .95rem; color: rgba(255,255,255,.75); transition: color .2s; }
.nav a:hover { color: var(--gold-300); }

.header__actions { display: flex; align-items: center; gap: 16px; }
.header__phone { display: flex; align-items: center; gap: 6px; font-weight: 600; font-size: .9rem; color: var(--gold-300); }

.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 6px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--gold-300); margin: 5px 0; transition: .2s; }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(1000px 500px at 80% -10%, rgba(213,176,125,.16), transparent 60%),
    linear-gradient(160deg, var(--green-800) 0%, var(--green-950) 100%);
  color: var(--white);
  padding: 110px 0 90px;
  text-align: center;
}
.hero__inner { display: flex; flex-direction: column; align-items: center; }
.badge {
  display: inline-block; padding: 6px 16px; border-radius: var(--radius-pill);
  background: rgba(213,176,125,.1); border: 1px solid rgba(213,176,125,.35); color: var(--gold-300);
  font-size: .85rem; font-weight: 600; margin-bottom: 24px;
}
.hero__title { font-size: clamp(2.5rem, 6vw, 4.5rem); line-height: 1.08; font-weight: 700; letter-spacing: -0.02em; }
.accent { color: var(--gold-500); }
.hero__subtitle { max-width: 720px; margin: 24px auto 36px; font-size: 1.15rem; color: rgba(255,255,255,.8); }
.hero__ctas { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; }
.hero__stats { display: flex; gap: 56px; margin-top: 64px; flex-wrap: wrap; justify-content: center; }
.hero__stats li { display: flex; flex-direction: column; }
.hero__stats strong { font-size: 2rem; font-weight: 800; color: var(--gold-300); }
.hero__stats span { font-size: .85rem; color: rgba(255,255,255,.7); }

/* ---------- Seções ---------- */
.section { padding: 96px 0; }
.section--tint { background: var(--cream-50); }
.section--dark { background: var(--green-900); color: var(--white); }
.eyebrow { font-size: .8rem; font-weight: 800; text-transform: uppercase; letter-spacing: .12em; color: var(--gold-700); margin-bottom: 10px; }
.eyebrow--light { color: var(--gold-500); }
.section__title { font-size: clamp(1.8rem, 3.5vw, 2.6rem); line-height: 1.15; font-weight: 700; letter-spacing: -0.015em; margin-bottom: 48px; max-width: 640px; }

/* Cards de programas */
.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; transition: transform .2s, box-shadow .2s, border-color .2s;
  display: flex; flex-direction: column;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.card__icon {
  width: 48px; height: 48px; border-radius: 12px; background: var(--cream-50); color: var(--gold-700);
  display: grid; place-items: center; margin-bottom: 20px;
}
.card__icon svg { width: 24px; height: 24px; }
.card h3 { font-size: 1.15rem; margin-bottom: 8px; }
.card p { color: var(--muted); font-size: .95rem; flex: 1; }
.card__link { margin-top: 20px; font-weight: 700; color: var(--gold-700); font-size: .95rem; }

/* Passos */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step { background: var(--white); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); }
.step__num {
  display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%;
  background: var(--green-900); color: var(--gold-300); font-weight: 800; margin-bottom: 20px;
}
.step h3 { font-size: 1.15rem; margin-bottom: 8px; }
.step p { color: var(--muted); }

/* Depoimentos */
.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.review { border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.review blockquote { font-size: 1.05rem; margin-bottom: 16px; }
.review figcaption { color: var(--muted); font-weight: 600; font-size: .9rem; }
.review--placeholder { border-style: dashed; color: var(--muted); }

/* Sobre */
.about { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.about__placeholder {
  aspect-ratio: 4 / 3; border-radius: var(--radius);
  background: linear-gradient(135deg, var(--green-800), var(--green-950));
  display: grid; place-items: center; color: rgba(255,255,255,.6); font-weight: 600;
}
.about__text .section__title { margin-bottom: 20px; }
.about__text > p { color: var(--muted); margin-bottom: 24px; }
.checklist li { position: relative; padding-left: 32px; margin-bottom: 12px; font-weight: 600; }
.checklist li::before {
  content: "✓"; position: absolute; left: 0; top: 1px;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--gold-500); color: var(--green-900);
  display: grid; place-items: center; font-size: .75rem; font-weight: 800;
}

/* Contato */
.contact { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.contact__info .section__title { margin-bottom: 16px; }
.contact__info > p { color: rgba(255,255,255,.8); margin-bottom: 28px; }
.contact__list li { margin-bottom: 10px; color: rgba(255,255,255,.9); }
.contact__list a { text-decoration: underline; text-underline-offset: 3px; }

.form { background: var(--white); color: var(--ink); border-radius: var(--radius); padding: 32px; display: grid; gap: 16px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form label { display: grid; gap: 6px; font-weight: 600; font-size: .9rem; }
.form input, .form select {
  font-family: inherit; font-size: 1rem; padding: 12px 14px;
  border: 1px solid var(--line); border-radius: 10px; background: var(--white); color: var(--ink);
}
.form input:focus, .form select:focus { outline: 2px solid var(--gold-500); outline-offset: 1px; border-color: transparent; }
.form input.invalid { border-color: #c0392b; }
.form__msg { font-size: .9rem; font-weight: 600; min-height: 1.2em; }
.form__msg.ok { color: #1e7d4f; }
.form__msg.err { color: #c0392b; }

/* ---------- Footer ---------- */
.footer { background: var(--green-950); color: rgba(255,255,255,.75); padding: 56px 0 32px; }
.footer__inner { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; padding-bottom: 32px; border-bottom: 1px solid rgba(255,255,255,.12); }
.footer__small { margin-top: 12px; font-size: .85rem; }
.footer__small a { text-decoration: underline; }
.footer__links { display: flex; flex-wrap: wrap; gap: 12px 28px; align-content: flex-start; }
.footer__links a:hover { color: var(--gold-300); }
.footer__legal { padding-top: 24px; font-size: .8rem; display: grid; gap: 8px; }

/* ---------- Responsivo ---------- */
@media (max-width: 1000px) {
  .cards { grid-template-columns: repeat(2, 1fr); }
  .header__phone { display: none; }
}
@media (max-width: 820px) {
  .nav {
    position: absolute; top: 72px; left: 0; right: 0;
    flex-direction: column; gap: 0; background: var(--green-900);
    border-bottom: 1px solid rgba(213,176,125,.18); display: none;
  }
  .nav.open { display: flex; }
  .nav a { padding: 16px 24px; border-top: 1px solid rgba(255,255,255,.08); }
  .nav-toggle { display: block; }
  .steps, .reviews, .about, .contact { grid-template-columns: 1fr; }
  .about, .contact { gap: 40px; }
  .section { padding: 72px 0; }
  .hero { padding: 80px 0 64px; }
  .hero__stats { gap: 32px; }
}
@media (max-width: 520px) {
  .container { padding: 0 16px; }
  .cards, .form__row { grid-template-columns: 1fr; }
  .header .btn--sm { display: none; }
  .hero__ctas .btn { width: 100%; }
}

/* Ícone do WhatsApp */
.wa-icon { width: 18px; height: 18px; fill: currentColor; flex-shrink: 0; }
.contact__wa { display: inline-flex; align-items: center; gap: 6px; }

/* Foto da seção Sobre */
.about__media { position: relative; max-width: 460px; width: 100%; justify-self: center; }
.about__photo {
  width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: center 20%;
  border-radius: var(--radius); box-shadow: var(--shadow);
}
.about__caption {
  position: absolute; left: 16px; right: 16px; bottom: 16px;
  background: rgba(4,25,15,.88); backdrop-filter: blur(6px);
  border: 1px solid rgba(213,176,125,.3); border-radius: 12px;
  padding: 12px 16px; color: var(--white); display: grid; gap: 2px;
}
.about__caption strong { font-size: 1rem; }
.about__caption span { font-size: .85rem; color: var(--gold-300); }

/* Carrossel infinito de fotos de clientes */
.marquee {
  overflow: hidden;
  margin: 0;
  -webkit-mask-image: linear-gradient(to right, transparent, #000 6%, #000 94%, transparent);
          mask-image: linear-gradient(to right, transparent, #000 6%, #000 94%, transparent);
}
.marquee__track {
  display: flex; gap: 20px; width: max-content;
  animation: marquee-scroll 45s linear infinite;
}
.marquee:hover .marquee__track { animation-play-state: paused; }
.marquee__item {
  flex: 0 0 auto; width: 280px; height: 350px;
  border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow);
}
.marquee__item img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s; }
.marquee__item:hover img { transform: scale(1.04); }

/* anda exatamente metade da faixa (6 fotos + espaços) e recomeça sem pulo */
@keyframes marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(calc(-50% - 10px)); }
}

@media (max-width: 520px) {
  .marquee__item { width: 220px; height: 275px; }
  .marquee__track { animation-duration: 35s; }
}

/* Destaque "300+ families served" no hero */
.proof {
  margin-top: 56px;
  display: inline-flex; align-items: center; gap: 24px;
  padding: 22px 34px;
  border-radius: 24px;
  background: linear-gradient(135deg, rgba(213,176,125,.14), rgba(213,176,125,.03));
  border: 1px solid rgba(213,176,125,.45);
  box-shadow: 0 20px 60px rgba(0,0,0,.35), inset 0 1px 0 rgba(255,255,255,.08);
  backdrop-filter: blur(6px);
  text-align: left;
  position: relative;
  animation: proof-glow 4s ease-in-out infinite;
}
.proof__icon {
  width: 56px; height: 56px; border-radius: 50%;
  display: grid; place-items: center; flex-shrink: 0;
  background: var(--gold-500); color: var(--green-900);
  box-shadow: 0 0 0 8px rgba(213,176,125,.15);
}
.proof__icon svg { width: 28px; height: 28px; }
.proof__number {
  font-size: clamp(3rem, 7vw, 4.6rem); font-weight: 800; line-height: 1;
  letter-spacing: -0.03em;
  background: linear-gradient(180deg, var(--gold-300) 0%, var(--gold-500) 60%, #b08a55 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
  font-variant-numeric: tabular-nums;
}
.proof__text {
  display: grid; gap: 4px; max-width: 260px;
  padding-left: 24px; border-left: 1px solid rgba(213,176,125,.35);
}
.proof__text strong { font-size: 1.2rem; color: var(--white); }
.proof__text span { font-size: .85rem; color: rgba(255,255,255,.7); line-height: 1.45; }

@keyframes proof-glow {
  0%, 100% { box-shadow: 0 20px 60px rgba(0,0,0,.35), 0 0 0 0 rgba(213,176,125,0); }
  50%      { box-shadow: 0 20px 60px rgba(0,0,0,.35), 0 0 40px 2px rgba(213,176,125,.22); }
}

@media (max-width: 620px) {
  .proof { flex-direction: column; text-align: center; gap: 16px; padding: 28px 24px; width: 100%; }
  .proof__text { padding-left: 0; border-left: 0; padding-top: 16px; border-top: 1px solid rgba(213,176,125,.35); max-width: none; }
}

/* Fundo do hero: foto com casa ao entardecer, linhas douradas e folhagem */
.hero {
  position: relative; overflow: hidden; isolation: isolate;
  padding: 130px 0 150px;
  background:
    radial-gradient(ellipse 55% 50% at 50% 50%, rgba(1,13,8,.45), transparent 75%),
    url("../img/hero-bg.jpg") center 45% / cover no-repeat,
    var(--green-950);
}
.hero__inner { position: relative; z-index: 2; }
.hero__title { text-shadow: 0 4px 30px rgba(0,0,0,.35); }

@media (max-width: 820px) {
  .hero {
    padding: 90px 0 100px;
    background:
      linear-gradient(rgba(1,13,8,.3), rgba(1,13,8,.5)),
      url("../img/hero-bg.jpg") 82% center / cover no-repeat,
      var(--green-950);
  }
}

/* ===== Seção de programas (loans) ===== */
.programs-section { background: var(--cream-50); position: relative; }
.section__head {
  display: flex; justify-content: space-between; align-items: flex-end; gap: 40px;
  margin-bottom: 48px;
}
.section__head .section__title { margin-bottom: 0; }
.section__lead { max-width: 420px; color: var(--muted); font-size: 1.05rem; }

.programs {
  display: grid; grid-template-columns: repeat(4, 1fr);
  grid-auto-rows: minmax(250px, auto); gap: 20px;
}
.program {
  position: relative; overflow: hidden;
  display: flex; flex-direction: column;
  background: var(--white); color: var(--ink);
  border: 1px solid var(--line); border-radius: 20px;
  padding: 28px;
  transition: transform .35s cubic-bezier(.2,.7,.2,1), box-shadow .35s, border-color .35s;
}
.program::after { /* filete dourado que aparece no topo ao passar o mouse */
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  transform: scaleX(0); transform-origin: left; transition: transform .45s;
}
.program:hover { transform: translateY(-6px); box-shadow: 0 24px 50px rgba(4,25,15,.12); border-color: rgba(213,176,125,.6); }
.program:hover::after { transform: scaleX(1); }

.program__num {
  position: absolute; top: 18px; right: 22px;
  font-size: 2.6rem; font-weight: 800; line-height: 1; letter-spacing: -0.04em;
  color: transparent; -webkit-text-stroke: 1px rgba(138,106,63,.28);
}
.program__icon {
  width: 52px; height: 52px; border-radius: 14px;
  display: grid; place-items: center; margin-bottom: 22px;
  background: var(--green-900); color: var(--gold-500);
  transition: background .35s, color .35s, transform .35s;
}
.program__icon svg { width: 26px; height: 26px; }
.program:hover .program__icon { background: var(--gold-500); color: var(--green-900); transform: rotate(-6deg) scale(1.05); }
.program h3 { font-size: 1.2rem; margin-bottom: 8px; letter-spacing: -0.01em; }
.program p { color: var(--muted); font-size: .95rem; line-height: 1.55; flex: 1; }
.program__footer { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 22px; }
.program__tag {
  font-size: .75rem; font-weight: 700; letter-spacing: .02em;
  padding: 6px 12px; border-radius: 999px;
  background: rgba(213,176,125,.16); color: var(--gold-700);
}
.program__arrow { width: 20px; height: 20px; color: var(--gold-700); transition: transform .3s; flex-shrink: 0; }
.program:hover .program__arrow { transform: translateX(5px); }

/* Destaque (FHA) */
.program--featured {
  grid-column: span 2; grid-row: span 2;
  padding: 40px;
  color: var(--white); border-color: rgba(213,176,125,.35);
  background:
    radial-gradient(ellipse 80% 60% at 100% 0%, rgba(213,176,125,.22), transparent 60%),
    linear-gradient(160deg, var(--green-800), var(--green-950));
}
.program--featured::before { /* símbolo da logo apagado ao fundo */
  content: ""; position: absolute; right: -60px; bottom: -40px; width: 340px; height: 340px;
  background: url("../img/logo-icon.png") center / contain no-repeat; opacity: .08;
}
.program--featured .program__icon { width: 64px; height: 64px; background: var(--gold-500); color: var(--green-900); }
.program--featured .program__icon svg { width: 32px; height: 32px; }
.program--featured h3 { font-size: 2rem; color: var(--white); }
.program--featured p { color: rgba(255,255,255,.75); font-size: 1.05rem; flex: 0; max-width: 440px; }
.program--featured:hover { box-shadow: 0 30px 60px rgba(4,25,15,.35); }
.program--featured:hover .program__icon { background: var(--gold-300); }
.program__badge {
  align-self: flex-start; margin-bottom: 24px;
  font-size: .75rem; font-weight: 800; text-transform: uppercase; letter-spacing: .1em;
  padding: 6px 14px; border-radius: 999px;
  color: var(--gold-300); border: 1px solid rgba(213,176,125,.5); background: rgba(213,176,125,.1);
}
.program__list { margin: 24px 0 32px; display: grid; gap: 12px; position: relative; z-index: 1; }
.program__list li { position: relative; padding-left: 32px; font-weight: 600; color: rgba(255,255,255,.92); }
.program__list li::before {
  content: "✓"; position: absolute; left: 0; top: 0;
  width: 22px; height: 22px; border-radius: 50%; display: grid; place-items: center;
  background: rgba(213,176,125,.2); color: var(--gold-300); font-size: .75rem; font-weight: 800;
}
.program__cta { align-self: flex-start; margin-top: auto; position: relative; z-index: 1; }
.program__cta .program__arrow { color: var(--green-900); }

/* Cartão de chamada (dourado) */
.program--cta {
  background: linear-gradient(150deg, var(--gold-300), var(--gold-500));
  border-color: transparent; color: var(--green-900);
  justify-content: center;
}
.program--cta h3 { font-size: 1.3rem; }
.program--cta p { color: rgba(4,25,15,.75); flex: 0; margin-bottom: 20px; }
.program__wa { align-self: flex-start; background: var(--green-900); color: var(--white); padding: 12px 18px; font-size: .88rem; white-space: nowrap; }
.program__wa:hover { background: var(--green-800); }

/* Animação de entrada ao rolar a página */
.js .reveal { opacity: 0; transform: translateY(28px); }
.js .reveal.is-visible {
  opacity: 1; transform: none;
  transition: opacity .7s ease, transform .7s cubic-bezier(.2,.7,.2,1);
  transition-delay: var(--delay, 0s);
}
.js .reveal.is-visible:hover { transition-delay: 0s; transform: translateY(-6px); }

@media (max-width: 1000px) {
  .programs { grid-template-columns: repeat(2, 1fr); }
  .program--featured { grid-row: span 1; }
  .section__head { flex-direction: column; align-items: flex-start; gap: 16px; }
}
@media (max-width: 560px) {
  .programs { grid-template-columns: 1fr; grid-auto-rows: auto; }
  .program--featured { grid-column: span 1; padding: 32px 26px; }
  .program--featured h3 { font-size: 1.6rem; }
}

/* ===== Seletor de idioma flutuante (canto inferior esquerdo) ===== */
.lang {
  position: fixed; left: 20px; bottom: 20px; z-index: 60;
  display: flex; align-items: center; gap: 4px;
  padding: 6px 6px 6px 12px; border-radius: 999px;
  background: rgba(4,25,15,.88); backdrop-filter: blur(10px);
  border: 1px solid rgba(213,176,125,.45);
  box-shadow: 0 10px 30px rgba(0,0,0,.3);
}
.lang__icon { width: 18px; height: 18px; color: var(--gold-500); margin-right: 4px; }
.lang__btn {
  font-family: inherit; font-size: .8rem; font-weight: 800; letter-spacing: .05em;
  color: rgba(255,255,255,.75); background: transparent; border: 0; cursor: pointer;
  padding: 8px 12px; border-radius: 999px; transition: background .2s, color .2s;
}
.lang__btn:hover { color: var(--gold-300); }
.lang__btn[aria-pressed="true"] { background: var(--gold-500); color: var(--green-900); }
@media (max-width: 520px) {
  .lang { left: 12px; bottom: 12px; padding: 4px 4px 4px 10px; }
  .lang__btn { padding: 7px 10px; }
}

/* ===== Instagram ===== */
.ig-icon { width: 18px; height: 18px; flex-shrink: 0; }
.about__caption { padding-right: 60px; }
.about__ig {
  position: absolute; right: 12px; top: 50%; transform: translateY(-50%);
  width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center;
  background: var(--gold-500); color: var(--green-900); transition: background .2s, transform .2s;
}
.about__ig:hover { background: var(--gold-300); transform: translateY(-50%) scale(1.08); }
.footer__social { margin-top: 16px; }
.footer__social a {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 14px; border-radius: 999px;
  border: 1px solid rgba(213,176,125,.4); color: var(--gold-300); font-weight: 600; font-size: .9rem;
  transition: background .2s, color .2s;
}
.footer__social a:hover { background: var(--gold-500); color: var(--green-900); }

/* espaço no fim do rodapé para o seletor de idioma não cobrir o texto */
.footer { padding-bottom: 90px; }

/* Ícone do Instagram no cabeçalho */
.header__ig {
  width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; flex-shrink: 0;
  color: var(--gold-300); border: 1px solid rgba(213,176,125,.4);
  transition: background .2s, color .2s, transform .2s;
}
.header__ig .ig-icon { width: 20px; height: 20px; }
.header__ig:hover { background: var(--gold-500); color: var(--green-900); transform: translateY(-1px); }
.header__wa .wa-icon { width: 20px; height: 20px; }

/* ===== Cartão que leva ao Google Form ===== */
.formcard {
  background: var(--white); color: var(--ink); border-radius: 20px; padding: 40px 36px;
  box-shadow: 0 30px 60px rgba(0,0,0,.25); position: relative; overflow: hidden;
}
.formcard::before {
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 4px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
}
.formcard__icon {
  width: 60px; height: 60px; border-radius: 16px; display: grid; place-items: center; margin-bottom: 22px;
  background: var(--green-900); color: var(--gold-500);
}
.formcard__icon svg { width: 30px; height: 30px; }
.formcard h3 { font-size: 1.6rem; letter-spacing: -0.01em; margin-bottom: 10px; }
.formcard > p { color: var(--muted); margin-bottom: 22px; }
.formcard__list { display: grid; gap: 10px; margin-bottom: 28px; }
.formcard__list li { position: relative; padding-left: 30px; font-weight: 600; }
.formcard__list li::before {
  content: "✓"; position: absolute; left: 0; top: 1px; width: 20px; height: 20px; border-radius: 50%;
  display: grid; place-items: center; font-size: .7rem; font-weight: 800;
  background: var(--gold-500); color: var(--green-900);
}
.formcard__btn { font-size: 1.05rem; padding: 16px 28px; }
.formcard__btn .program__arrow { color: var(--green-900); transition: transform .3s; }
.formcard__btn:hover .program__arrow { transform: translateX(4px); }
.formcard__note { text-align: center; font-size: .8rem; color: var(--muted); margin-top: 12px; }

/* =========================================================
   Páginas de cada programa (fha.html, dscr.html, etc.)
   ========================================================= */

/* Topo da página do programa */
.phero {
  position: relative; overflow: hidden; isolation: isolate;
  padding: 72px 0 96px; color: var(--white);
  background:
    linear-gradient(90deg, rgba(1,13,8,.92) 0%, rgba(1,13,8,.75) 55%, rgba(1,13,8,.35) 100%),
    url("../img/hero-bg.jpg") right center / cover no-repeat,
    var(--green-950);
}
.phero__inner { max-width: var(--container); }
.crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: .85rem; color: rgba(255,255,255,.6); margin-bottom: 36px; }
.crumbs a { color: var(--gold-300); }
.crumbs a:hover { text-decoration: underline; }
.phero__icon {
  width: 64px; height: 64px; border-radius: 18px; display: grid; place-items: center; margin-bottom: 24px;
  background: var(--gold-500); color: var(--green-900);
  box-shadow: 0 0 0 8px rgba(213,176,125,.15);
}
.phero__icon svg { width: 32px; height: 32px; }
.phero__title {
  font-size: clamp(2rem, 4.6vw, 3.4rem); line-height: 1.1; font-weight: 700; letter-spacing: -0.02em;
  max-width: 780px; text-shadow: 0 4px 30px rgba(0,0,0,.35);
}
.phero__sub { max-width: 620px; margin: 20px 0 28px; font-size: 1.12rem; color: rgba(255,255,255,.8); }
.phero__chips { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 36px; }
.phero__chips li {
  padding: 8px 16px; border-radius: 999px; font-size: .85rem; font-weight: 700;
  color: var(--gold-300); background: rgba(213,176,125,.12); border: 1px solid rgba(213,176,125,.4);
}
.phero__ctas { justify-content: flex-start; }

/* Para quem é */
.pfor { display: grid; grid-template-columns: 1fr 1.3fr; gap: 56px; align-items: center; }
.pfor .section__title { margin-bottom: 0; }
.pfor__list { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.pfor__item {
  display: flex; gap: 14px; align-items: flex-start;
  background: var(--cream-50); border: 1px solid var(--line); border-radius: 16px; padding: 20px;
  font-weight: 600;
}
.pfor__check {
  flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center;
  background: var(--green-900); color: var(--gold-500); font-size: .8rem; font-weight: 800;
}

/* Vantagens */
.pbens { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.pben {
  background: var(--white); border: 1px solid var(--line); border-radius: 20px; padding: 28px;
  transition: transform .3s, box-shadow .3s, border-color .3s;
}
.pben:hover { transform: translateY(-5px); box-shadow: 0 20px 44px rgba(4,25,15,.1); border-color: rgba(213,176,125,.6); }
.pben__icon {
  width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 20px;
  background: var(--green-900); color: var(--gold-500);
}
.pben__icon svg { width: 26px; height: 26px; }
.pben h3 { font-size: 1.15rem; margin-bottom: 8px; }
.pben p { color: var(--muted); font-size: .95rem; }

/* Requisitos */
.preq { display: grid; grid-template-columns: 1fr 1.4fr; gap: 56px; align-items: start; }
.preq .section__title { margin-bottom: 16px; }
.preq__disc {
  color: var(--muted); font-size: .9rem; padding: 14px 16px; border-left: 3px solid var(--gold-500);
  background: var(--cream-50); border-radius: 0 10px 10px 0;
}
.preq__list { border: 1px solid var(--line); border-radius: 20px; overflow: hidden; background: var(--white); }
.preq__row { display: grid; grid-template-columns: 220px 1fr; gap: 20px; padding: 20px 24px; border-bottom: 1px solid var(--line); }
.preq__row:last-child { border-bottom: 0; }
.preq__row:nth-child(odd) { background: var(--cream-50); }
.preq__row dt { font-weight: 800; color: var(--green-900); }
.preq__row dd { color: var(--ink); }

/* Como funciona (4 passos) */
.psteps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
.pstep { position: relative; background: var(--white); border-radius: 20px; padding: 28px; box-shadow: var(--shadow); }
.pstep__num {
  display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; margin-bottom: 18px;
  background: var(--green-900); color: var(--gold-300); font-weight: 800;
}
.pstep h3 { font-size: 1.1rem; margin-bottom: 6px; }
.pstep p { color: var(--muted); font-size: .95rem; }

/* Perguntas frequentes */
.pfaq { display: grid; grid-template-columns: 1fr 1.6fr; gap: 56px; align-items: start; }
.pfaq__list { display: grid; gap: 12px; }
.pfaq__item { border: 1px solid var(--line); border-radius: 16px; background: var(--white); transition: border-color .2s, box-shadow .2s; }
.pfaq__item[open] { border-color: rgba(213,176,125,.7); box-shadow: 0 12px 30px rgba(4,25,15,.06); }
.pfaq__item summary {
  list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px;
  padding: 20px 24px; font-weight: 700; font-size: 1.02rem;
}
.pfaq__item summary::-webkit-details-marker { display: none; }
.pfaq__item p { padding: 0 24px 22px; color: var(--muted); }
.pfaq__plus { position: relative; width: 28px; height: 28px; flex-shrink: 0; border-radius: 50%; background: var(--cream-50); }
.pfaq__plus::before, .pfaq__plus::after {
  content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; border-radius: 2px;
  background: var(--gold-700); transform: translate(-50%, -50%); transition: transform .25s;
}
.pfaq__plus::after { transform: translate(-50%, -50%) rotate(90deg); }
.pfaq__item[open] .pfaq__plus::after { transform: translate(-50%, -50%) rotate(0deg); }

/* Chamada final */
.pcta { text-align: center; background:
  radial-gradient(ellipse 60% 80% at 50% 0%, rgba(213,176,125,.18), transparent 70%), var(--green-900); }
.pcta__inner { display: flex; flex-direction: column; align-items: center; }
.pcta .section__title { margin: 0 auto 14px; }
.pcta p { color: rgba(255,255,255,.75); margin-bottom: 28px; max-width: 560px; }

/* Outros programas */
.pothers { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.pother {
  display: flex; align-items: center; gap: 12px; padding: 16px 18px;
  background: var(--white); border: 1px solid var(--line); border-radius: 16px; font-weight: 700;
  transition: transform .25s, border-color .25s, box-shadow .25s;
}
.pother:hover { transform: translateY(-3px); border-color: rgba(213,176,125,.7); box-shadow: 0 14px 30px rgba(4,25,15,.08); }
.pother__icon {
  flex-shrink: 0; width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center;
  background: var(--green-900); color: var(--gold-500);
}
.pother__icon svg { width: 20px; height: 20px; }
.pother > span:not(.pother__icon) { flex: 1; font-size: .95rem; }
.pother > svg { width: 18px; height: 18px; flex-shrink: 0; color: var(--gold-700); transition: transform .25s; }
.pother:hover > svg { transform: translateX(4px); }
.pback { display: inline-block; margin-top: 28px; font-weight: 700; color: var(--gold-700); }
.pback:hover { text-decoration: underline; }

/* Responsivo das páginas de programa */
@media (max-width: 1000px) {
  .pbens, .psteps { grid-template-columns: repeat(2, 1fr); }
  .pothers { grid-template-columns: repeat(2, 1fr); }
  .pfor, .preq, .pfaq { grid-template-columns: 1fr; gap: 32px; }
}
@media (max-width: 560px) {
  .phero { padding: 48px 0 72px; background:
    linear-gradient(rgba(1,13,8,.82), rgba(1,13,8,.88)), url("../img/hero-bg.jpg") 80% center / cover no-repeat, var(--green-950); }
  .pbens, .psteps, .pothers, .pfor__list { grid-template-columns: 1fr; }
  .preq__row { grid-template-columns: 1fr; gap: 4px; }
  .phero__ctas .btn { width: 100%; }
}

/* ===== Páginas legais (política de privacidade) ===== */
.phero--legal { padding-bottom: 72px; }
.legal__date { margin-top: 18px; font-size: .9rem; color: rgba(255,255,255,.65); }
.legal { max-width: 800px; }
.legal__sec { padding: 28px 0; border-bottom: 1px solid var(--line); }
.legal__sec:first-child { padding-top: 0; }
.legal__sec h2 { font-size: 1.25rem; margin-bottom: 12px; color: var(--ink); }
.legal__sec p, .legal__sec li { color: var(--muted); line-height: 1.75; }
.legal__sec p + p, .legal__sec ul + p, .legal__sec p + ul { margin-top: 12px; }
.legal__sec ul { padding-left: 22px; list-style: disc; display: grid; gap: 6px; }
.legal__sec strong { color: var(--ink); }
.legal__sec a { color: var(--gold-700); text-decoration: underline; text-underline-offset: 3px; }
.legal .pback { margin-top: 32px; display: inline-flex; }
.legal__sec div { color: var(--muted); line-height: 1.75; }
.legal__sec div strong { color: var(--ink); }

/* ---------- Destaque: botão grande "Fale com um especialista / loan officer" ---------- */
.hero__ctas--stack { flex-direction: column; align-items: center; gap: 20px; width: 100%; }
.btn--hero {
  padding: 26px 64px; min-width: min(100%, 560px);
  font-size: clamp(1.3rem, 3.4vw, 1.9rem); font-weight: 800; letter-spacing: -0.01em;
  gap: 14px; border-width: 0;
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  box-shadow: 0 0 0 0 rgba(213,176,125,.55), 0 20px 44px rgba(0,0,0,.4);
  animation: cta-pulse 2.6s ease-out infinite;
}
.btn--hero:hover { background: linear-gradient(135deg, #fbe3b9, var(--gold-400)); transform: translateY(-3px) scale(1.02); }
.btn--hero .wa-icon { width: 1.5em; height: 1.5em; }
@keyframes cta-pulse {
  0% { box-shadow: 0 0 0 0 rgba(213,176,125,.55), 0 20px 44px rgba(0,0,0,.4); }
  70% { box-shadow: 0 0 0 26px rgba(213,176,125,0), 0 20px 44px rgba(0,0,0,.4); }
  100% { box-shadow: 0 0 0 0 rgba(213,176,125,0), 0 20px 44px rgba(0,0,0,.4); }
}
@media (prefers-reduced-motion: reduce) { .btn--hero { animation: none; } }
@media (max-width: 520px) { .btn--hero { padding: 22px 20px; min-width: 100%; } }

/* ===== Refino do topo (hero) ===== */
/* selo com ponto dourado */
.hero .badge {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 8px 18px; letter-spacing: .02em;
  background: rgba(213,176,125,.08);
  backdrop-filter: blur(6px);
}
.hero .badge::before {
  content: ""; width: 8px; height: 8px; border-radius: 50%;
  background: var(--gold-400); box-shadow: 0 0 0 4px rgba(213,176,125,.2), 0 0 12px rgba(233,196,142,.8);
}
/* título: destaque em degradê dourado */
.hero__title { letter-spacing: -0.025em; }
.hero__title .accent {
  background: linear-gradient(100deg, var(--gold-300) 0%, var(--gold-500) 55%, var(--gold-400) 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
  text-shadow: none; filter: drop-shadow(0 4px 24px rgba(0,0,0,.35));
}
.hero__subtitle { color: rgba(255,255,255,.86); text-shadow: 0 2px 18px rgba(0,0,0,.4); }

/* bloco do botão grande com brilho dourado ao fundo */
.hero__ctas--stack { position: relative; gap: 14px; }
.hero__ctas--stack::before {
  content: ""; position: absolute; z-index: -1; left: 50%; top: 0;
  width: min(760px, 120%); height: 220px; transform: translate(-50%, -18%);
  background: radial-gradient(ellipse at center, rgba(233,196,142,.22), transparent 68%);
  pointer-events: none;
}
.btn--hero { animation-name: cta-pulse-gold; box-shadow: 0 0 0 0 rgba(233,196,142,.5), 0 22px 50px rgba(0,0,0,.45), inset 0 1px 0 rgba(255,255,255,.55); }
@keyframes cta-pulse-gold {
  0%   { box-shadow: 0 0 0 0 rgba(233,196,142,.5), 0 22px 50px rgba(0,0,0,.45), inset 0 1px 0 rgba(255,255,255,.55); }
  70%  { box-shadow: 0 0 0 28px rgba(233,196,142,0), 0 22px 50px rgba(0,0,0,.45), inset 0 1px 0 rgba(255,255,255,.55); }
  100% { box-shadow: 0 0 0 0 rgba(233,196,142,0), 0 22px 50px rgba(0,0,0,.45), inset 0 1px 0 rgba(255,255,255,.55); }
}
/* botão secundário mais discreto */
.hero__ctas--stack .btn--ghost {
  padding: 11px 26px; font-size: .95rem; border-color: rgba(213,176,125,.45);
  background: rgba(1,13,8,.35); backdrop-filter: blur(6px);
}
.hero__ctas--stack .btn--ghost:hover { border-color: var(--gold-400); background: rgba(213,176,125,.12); }

/* card 300+: vidro e filete dourado no topo */
.proof { background: linear-gradient(135deg, rgba(213,176,125,.16), rgba(1,13,8,.45)); overflow: hidden; }
.proof::before {
  content: ""; position: absolute; left: 12%; right: 12%; top: 0; height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold-400), transparent);
}

/* linha dourada na base do topo */
.hero::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; z-index: 3;
  background: linear-gradient(90deg, transparent, var(--gold-500) 30%, var(--gold-300) 50%, var(--gold-500) 70%, transparent);
}

/* entrada suave, um item depois do outro */
@keyframes hero-rise { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: none; } }
.hero .badge, .hero__title, .hero__subtitle, .hero__ctas--stack, .proof { animation-fill-mode: backwards; }
.hero .badge { animation: hero-rise .7s .05s ease-out backwards; }
.hero__title { animation: hero-rise .8s .15s ease-out backwards; }
.hero__subtitle { animation: hero-rise .8s .3s ease-out backwards; }
.hero__ctas--stack { animation: hero-rise .8s .45s ease-out backwards; }
.proof { animation: proof-glow 4s ease-in-out infinite, hero-rise .8s .65s ease-out backwards; }
@media (prefers-reduced-motion: reduce) {
  .hero .badge, .hero__title, .hero__subtitle, .hero__ctas--stack { animation: none; }
  .proof { animation: none; }
}

/* ===== Topo: título mais alto, selo logo abaixo do título ===== */
.hero { padding: 72px 0 110px; }
.hero .badge { margin: 26px 0 0; }
.hero__subtitle { margin: 24px auto 34px; }
.hero .badge { animation: hero-rise .7s .3s ease-out backwards; }
.hero__subtitle { animation: hero-rise .8s .4s ease-out backwards; }
@media (max-width: 820px) {
  .hero { padding: 48px 0 76px; }
  .hero .badge { margin-top: 22px; }
}