/* Kelme Consórcios — v2.css (redesign padrão Stara Consórcio)
   ============================================================
   Sistema: página "boxed" sobre fundo neutro, nav sticky em pílula,
   hero carrossel, números de credibilidade, footer grafite.
   Identidade Kelme mantida: vermelho Ademicon, chanfro no canto
   superior direito (clip-path), Poppins + Playfair itálico de acento.
   ============================================================ */

/* ---------- Fontes ---------- */
@font-face{font-family:'Poppins';src:url('../fonts/poppins-400.woff2') format('woff2');font-weight:400;font-display:swap}
@font-face{font-family:'Poppins';src:url('../fonts/poppins-600.woff2') format('woff2');font-weight:600;font-display:swap}
@font-face{font-family:'Poppins';src:url('../fonts/poppins-800.woff2') format('woff2');font-weight:800;font-display:swap}
@font-face{font-family:'Playfair Display';src:url('../fonts/PlayfairDisplay-Italic-600.ttf') format('truetype');font-weight:600;font-style:italic;font-display:swap}

/* ---------- Tokens ---------- */
:root{
  --vermelho:#EE3124;
  --vermelho-2:#C4271D;
  --vermelho-3:#A31E14;
  --grafite:#2B2725;
  --grafite-2:#1E1B19;
  --areia:#F7F5F0;
  --creme:#EFECE4;
  --moldura:#E4E0D6;
  --ink:#221E1C;
  --corpo:#4A443F;
  --mudo:#8A837B;
  --wa:#17A94E;
  --wa-2:#0E8C3E;
  --ouro:#C3A24C;
  --r-box:30px;
  --r-card:16px;
  --chanfro:clip-path:polygon(0 0,calc(100% - 22px) 0,100% 22px,100% 100%,0 100%);
  --sombra:0 18px 50px rgba(34,30,28,.14);
  --sombra-leve:0 8px 26px rgba(34,30,28,.08);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Poppins',sans-serif;font-weight:400;color:var(--corpo);
  background:#fff;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}

/* ---------- Wrapper (full-width) ---------- */
.frame{
  background:#fff;overflow:clip;position:relative;
}
.container{max-width:1120px;margin:0 auto;padding:0 40px}
@media (max-width:720px){.container{padding:0 22px}}

/* ---------- Utilidades ---------- */
.chanfro{clip-path:polygon(0 0,calc(100% - 22px) 0,100% 22px,100% 100%,0 100%)}
.chanfro-sm{clip-path:polygon(0 0,calc(100% - 14px) 0,100% 14px,100% 100%,0 100%)}
em, .accent-serif{font-family:'Playfair Display',serif;font-style:italic;font-weight:600}
.kicker{
  display:inline-block;font-size:12px;font-weight:600;letter-spacing:.18em;
  text-transform:uppercase;color:var(--vermelho);margin-bottom:14px;
}
.kicker.luz{color:#F1B7B1}

h1,h2,h3{font-weight:800;color:var(--ink);line-height:1.12;letter-spacing:-.015em}
h2{font-size:clamp(28px,4vw,42px)}
h3{font-size:19px}
.sec-head{max-width:640px}
.sec-head p{margin-top:14px;font-size:16.5px;line-height:1.65}

/* ---------- Botões ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-weight:600;font-size:14px;letter-spacing:.04em;text-transform:uppercase;
  padding:15px 26px;border:0;cursor:pointer;transition:transform .18s,box-shadow .18s,background .18s;
  clip-path:polygon(0 0,calc(100% - 14px) 0,100% 14px,100% 100%,0 100%);
}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn-red{background:var(--vermelho);color:#fff;box-shadow:0 10px 24px rgba(238,49,36,.32)}
.btn-red:hover{background:var(--vermelho-2)}
.btn-wa{background:var(--wa);color:#fff;box-shadow:0 10px 24px rgba(23,169,78,.28)}
.btn-wa:hover{background:var(--wa-2)}
.btn-ghost{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 2px var(--ink)}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-ghost-luz{background:transparent;color:#fff;box-shadow:inset 0 0 0 2px rgba(255,255,255,.85)}
.btn-ghost-luz:hover{background:#fff;color:var(--grafite-2)}
.btn svg{width:17px;height:17px;flex:none}

/* ---------- Header sticky pílula ---------- */
.topo{
  position:sticky;top:14px;z-index:60;margin:16px auto 0;max-width:1240px;width:calc(100% - 32px);
  background:rgba(255,255,255,.92);backdrop-filter:blur(14px);
  border-radius:999px;box-shadow:var(--sombra-leve);
  display:flex;align-items:center;gap:26px;padding:10px 12px 10px 24px;
}
.marca{display:flex;align-items:center;gap:11px;flex:none}
.marca img{width:40px;height:40px}
.marca .lock{line-height:1}
.marca .lock b{display:block;font-size:16px;font-weight:800;letter-spacing:.04em;color:var(--ink)}
.marca .lock span{display:block;font-size:8.5px;font-weight:600;letter-spacing:.34em;color:var(--vermelho);text-transform:uppercase;margin-top:2px}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center}
.nav a{
  font-size:13.5px;font-weight:600;color:var(--corpo);padding:10px 14px;border-radius:999px;
  transition:background .15s,color .15s;
}
.nav a:hover{background:var(--areia);color:var(--ink)}
.nav .nav-destaque{
  color:var(--vermelho);box-shadow:inset 0 0 0 1.5px var(--vermelho);border-radius:999px;
  display:inline-flex;align-items:center;gap:7px;padding:10px 16px;
}
.nav .nav-destaque:hover{background:var(--vermelho);color:#fff}
.nav .nav-destaque svg{width:14px;height:14px;flex:none}
.nav .nav-cta{background:var(--vermelho);color:#fff;padding:12px 22px;text-transform:uppercase;font-size:12.5px;letter-spacing:.05em}
.nav .nav-cta:hover{background:var(--vermelho-2);color:#fff}
.nav .nav-wa{background:var(--wa);color:#fff;padding:12px 18px;text-transform:uppercase;font-size:12.5px;letter-spacing:.05em;display:inline-flex;align-items:center;gap:7px}
.nav .nav-wa:hover{background:var(--wa-2);color:#fff}
.nav .nav-wa svg{width:15px;height:15px}
.nav-toggle{display:none;margin-left:auto;background:none;border:0;cursor:pointer;padding:10px}
.nav-toggle span{display:block;width:22px;height:2.5px;background:var(--ink);margin:4.5px 0;border-radius:2px}
@media (max-width:980px){
  .topo{gap:12px}
  .nav{
    position:absolute;top:calc(100% + 10px);left:0;right:0;flex-direction:column;align-items:stretch;
    background:#fff;border-radius:22px;box-shadow:var(--sombra);padding:14px;display:none;
  }
  .nav.open{display:flex}
  .nav a{padding:13px 16px;text-align:center}
  .nav-toggle{display:block}
}

/* ---------- Hero carrossel ---------- */
.hero{margin:16px 0 0;position:relative;overflow:hidden;background:var(--grafite-2)}
.slides{display:flex;transition:transform .65s cubic-bezier(.7,0,.25,1)}
.slide{
  flex:0 0 100%;min-height:520px;display:grid;grid-template-columns:1.05fr .95fr;
  align-items:center;position:relative;color:#fff;
}
.slide .txt{padding:84px 30px 84px max(64px,calc((100vw - 1160px)/2));position:relative;z-index:2}
.slide h1,.slide .h1{
  font-size:clamp(30px,4.6vw,54px);font-weight:800;color:#fff;line-height:1.08;letter-spacing:-.018em;
}
.slide h1 .grifo,.slide .h1 .grifo{color:var(--vermelho)}
.slide.claro h1 .grifo{color:#FF6A5E}
.slide p{margin-top:18px;font-size:16.5px;line-height:1.6;color:rgba(255,255,255,.82);max-width:460px}
.slide .acoes{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap}
.slide .foto{position:relative;height:100%;min-height:520px}
.slide .foto img{width:100%;height:100%;object-fit:cover;object-position:center 18%}
.slide .foto::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(90deg,var(--grafite-2) 0%,rgba(30,27,25,.25) 34%,rgba(30,27,25,0) 65%);
}
.slide .veu{position:absolute;inset:0;background:
  radial-gradient(680px 420px at 12% 88%,rgba(238,49,36,.16),transparent 62%)}
/* slide gráfico (sem foto) */
.slide.graf{background:
  linear-gradient(118deg,var(--vermelho-3),var(--vermelho) 58%,#FF5A4D);}
.slide.graf p{color:rgba(255,255,255,.9)}
.slide.graf .kc-marca{
  position:absolute;right:-40px;bottom:-90px;font-family:'Playfair Display',serif;font-style:italic;
  font-weight:600;font-size:430px;line-height:1;color:rgba(255,255,255,.1);user-select:none;
}
.slide.graf .btn-red{background:#fff;color:var(--vermelho);box-shadow:0 10px 24px rgba(0,0,0,.18)}
.slide.graf .btn-red:hover{background:var(--areia)}

/* trilho de indicadores estilo Stara */
.hero-trilho{
  position:absolute;left:0;right:0;bottom:0;z-index:3;display:flex;
  border-top:1px solid rgba(255,255,255,.16);
}
.hero-trilho button{
  flex:1;background:none;border:0;color:rgba(255,255,255,.55);text-align:left;
  padding:14px 18px 16px;cursor:pointer;font-family:inherit;font-size:12px;font-weight:600;
  letter-spacing:.02em;line-height:1.35;border-left:1px solid rgba(255,255,255,.16);
  transition:color .2s;position:relative;
}
.hero-trilho button:first-child{border-left:0}
.hero-trilho button .n{display:block;font-size:10.5px;letter-spacing:.16em;color:rgba(255,255,255,.4);margin-bottom:3px}
.hero-trilho button.ativo{color:#fff}
.hero-trilho button.ativo::before{
  content:'';position:absolute;top:-1px;left:0;right:0;height:3px;background:var(--vermelho);
}
.hero-setas{position:absolute;z-index:3;bottom:78px;left:64px;display:flex;gap:10px}
.hero-setas button{
  width:44px;height:44px;background:var(--vermelho);border:0;color:#fff;cursor:pointer;
  clip-path:polygon(0 0,calc(100% - 10px) 0,100% 10px,100% 100%,0 100%);
  font-size:17px;transition:background .18s;display:flex;align-items:center;justify-content:center;
}
.hero-setas button:hover{background:var(--vermelho-2)}
@media (max-width:920px){
  .slide{grid-template-columns:1fr;min-height:0}
  .slide .txt{padding:56px 26px 64px;order:2}
  .slide .foto{min-height:300px;order:1}
  .slide .foto::after{background:linear-gradient(0deg,var(--grafite-2) 4%,rgba(30,27,25,.15) 55%)}
  .hero-setas{display:none}
  .hero-trilho button span.t{display:none}
  .slide.graf .kc-marca{font-size:260px;right:-30px;bottom:-60px}
}

/* ---------- Selo strip (régua de confiança) ---------- */
.regua{
  display:flex;flex-wrap:wrap;gap:10px 34px;align-items:center;justify-content:center;
  padding:22px 30px;border-bottom:1px solid var(--moldura);
}
.regua .item{display:flex;align-items:center;gap:9px;font-size:13px;font-weight:600;color:var(--corpo)}
.regua svg{width:17px;height:17px;color:var(--vermelho);flex:none}

/* ---------- Seções ---------- */
section{padding:84px 0;scroll-margin-top:92px}
.sec-areia{background:var(--areia)}

/* ---------- Simulador ---------- */
.sim-caixa{
  margin-top:44px;background:#fff;border:2px solid var(--vermelho);border-radius:20px;
  box-shadow:var(--sombra-leve);overflow:hidden;
}
.calc-tabs{display:flex;border-bottom:1px solid var(--moldura)}
.calc-tab{
  flex:1;background:var(--areia);border:0;padding:17px 12px;cursor:pointer;font-family:inherit;
  font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--mudo);
  transition:background .15s,color .15s;border-left:1px solid var(--moldura);
}
.calc-tab:first-child{border-left:0}
.calc-tab.active{background:#fff;color:var(--vermelho);box-shadow:inset 0 -3px 0 var(--vermelho)}
.sim-corpo{padding:38px 44px 44px}
@media (max-width:720px){.sim-corpo{padding:28px 22px 32px}}
#calc-label,#cmp-label{font-size:15px;font-weight:600;color:var(--ink);display:block;text-align:center}
#calc-value,#cmp-value{
  display:block;text-align:center;font-size:clamp(34px,5vw,52px);font-weight:800;color:var(--ink);
  letter-spacing:-.02em;margin:10px 0 22px;
}
#calc-value::first-letter,#cmp-value::first-letter{color:var(--vermelho)}
input[type=range]{width:100%;appearance:none;height:7px;border-radius:99px;background:linear-gradient(90deg,var(--vermelho),#F58E86);outline:none}
input[type=range]::-webkit-slider-thumb{
  appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;cursor:pointer;
  border:7px solid var(--vermelho);box-shadow:0 3px 10px rgba(0,0,0,.25);
}
.calc-limites{display:flex;justify-content:space-between;font-size:12.5px;color:var(--mudo);margin-top:9px}
#calc-shortcuts,#cmp-shortcuts{display:flex;gap:9px;flex-wrap:wrap;justify-content:center;margin-top:20px}
#calc-shortcuts button,#cmp-shortcuts button{
  font-family:inherit;font-size:12.5px;font-weight:600;padding:9px 15px;cursor:pointer;
  background:var(--areia);border:1.5px solid var(--moldura);border-radius:999px;color:var(--corpo);
  transition:all .15s;
}
#calc-shortcuts button:hover,#cmp-shortcuts button:hover{border-color:var(--vermelho);color:var(--vermelho)}
#calc-shortcuts button.active,#cmp-shortcuts button.active{background:var(--vermelho);border-color:var(--vermelho);color:#fff}
.calc-out{
  display:flex;gap:14px;flex-wrap:wrap;justify-content:center;align-items:stretch;
  margin-top:30px;text-align:center;
}
.calc-out .o{
  flex:1;min-width:170px;background:var(--areia);border-radius:14px;padding:18px 14px;
  clip-path:polygon(0 0,calc(100% - 14px) 0,100% 14px,100% 100%,0 100%);
}
.calc-out .o small{display:block;font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--mudo);margin-bottom:6px}
.calc-out .o strong{font-size:21px;font-weight:800;color:var(--ink)}
.calc-out .o.dest strong{color:var(--vermelho)}
.sim-cta{display:flex;justify-content:center;margin-top:30px}

/* ---------- Aba Consórcio × Financiamento ---------- */
.vs-extra,.vs-out,.vs-banner,.vs-note{display:none}
.modo-vs .vs-extra{
  display:grid;grid-template-columns:repeat(3,1fr);gap:18px 26px;margin-top:26px;
  background:var(--areia);border-radius:14px;padding:20px 22px;
}
@media (max-width:760px){.modo-vs .vs-extra{grid-template-columns:1fr}}
.vs-extra .ctrl label{
  display:flex;justify-content:space-between;gap:10px;font-size:12px;font-weight:600;
  color:var(--corpo);margin-bottom:8px;
}
.vs-extra .ctrl label b{color:var(--vermelho);font-weight:800;white-space:nowrap}
.vs-extra input[type=range]{height:5px}
.vs-extra input[type=range]::-webkit-slider-thumb{width:20px;height:20px;border-width:5px}
.modo-vs .vs-out{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px}
@media (max-width:640px){.modo-vs .vs-out{grid-template-columns:1fr}}
.vs-col{
  border:1.5px solid var(--moldura);border-radius:14px;padding:22px 22px 24px;
  clip-path:polygon(0 0,calc(100% - 16px) 0,100% 16px,100% 100%,0 100%);
}
.vs-col.vs-cons{border-color:var(--vermelho);background:#FFF8F7}
.vs-titulo{
  display:inline-block;font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  background:var(--grafite);color:#fff;border-radius:999px;padding:6px 14px;margin-bottom:16px;
}
.vs-cons .vs-titulo{background:var(--vermelho)}
.vs-linha{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:8px 0;border-top:1px solid var(--moldura)}
.vs-linha:first-of-type{border-top:0}
.vs-linha small{font-size:12px;color:var(--mudo);font-weight:600}
.vs-linha strong{font-size:15.5px;font-weight:800;color:var(--ink);white-space:nowrap}
.vs-linha.dest strong{color:var(--vermelho);font-size:18px}
.modo-vs .vs-banner{
  display:block;margin-top:20px;background:var(--grafite-2);color:#fff;border-radius:12px;
  padding:16px 20px;text-align:center;font-size:14.5px;
  clip-path:polygon(0 0,calc(100% - 14px) 0,100% 14px,100% 100%,0 100%);
}
.modo-vs .vs-banner b{color:#FF8A7E;font-weight:800}
.modo-vs .vs-note{display:block}
.modo-vs .calc-out{display:none}
.calc-note{font-size:12px;color:var(--mudo);line-height:1.6;text-align:center;margin-top:18px;max-width:600px;margin-left:auto;margin-right:auto}

/* ---------- Cards emoldurados (por que consórcio) ---------- */
.molduras{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:48px}
@media (max-width:920px){.molduras{grid-template-columns:1fr}}
.moldura{
  border:10px solid var(--grafite);background:var(--grafite);border-radius:6px;
  clip-path:polygon(0 0,calc(100% - 26px) 0,100% 26px,100% 100%,0 100%);
  display:flex;flex-direction:column;transition:transform .22s;
}
.moldura:nth-child(2){border-color:var(--vermelho);background:var(--vermelho);transform:translateY(-14px)}
.moldura:hover{transform:translateY(-20px)}
.moldura:first-child:hover,.moldura:last-child:hover{transform:translateY(-6px)}
.moldura .foto{height:170px;overflow:hidden;background:#fff}
.moldura .foto img{width:100%;height:100%;object-fit:cover}
.moldura .txt{padding:22px 20px 26px;color:#fff}
.moldura .txt h3{color:#fff;font-size:17.5px}
.moldura .txt p{margin-top:9px;font-size:13.5px;line-height:1.6;color:rgba(255,255,255,.85)}
.moldura .foto-ico{
  height:170px;display:flex;align-items:center;justify-content:center;background:rgba(255,255,255,.1);
}
.moldura .foto-ico svg{width:64px;height:64px;color:#fff;opacity:.9}

/* ---------- Segurança / credibilidade (números) ---------- */
.sec-escura{background:var(--grafite-2);color:#D8D2CB;position:relative;overflow:hidden}
.sec-escura::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(720px 480px at 86% 10%,rgba(238,49,36,.13),transparent 60%);
}
.sec-escura .container{position:relative}
.sec-escura h2{color:#fff}
.sec-escura .sec-head p{color:rgba(255,255,255,.72)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:34px 28px;margin-top:52px}
@media (max-width:920px){.stats{grid-template-columns:repeat(2,1fr)}}
.stat .num{
  font-size:clamp(34px,4vw,48px);font-weight:800;color:#fff;letter-spacing:-.02em;line-height:1;
}
.stat .num .mais{color:var(--vermelho);font-size:.72em;vertical-align:.12em;margin-right:2px}
.stat .rot{display:block;margin-top:10px;font-size:13px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.55)}
.selo-bacen{
  margin-top:56px;display:flex;flex-wrap:wrap;gap:16px 40px;align-items:center;
  border-top:1px solid rgba(255,255,255,.13);padding-top:34px;
}
.selo-bacen .s{display:flex;align-items:center;gap:12px;font-size:13.5px;line-height:1.5;color:rgba(255,255,255,.78)}
.selo-bacen .s b{color:#fff}
.selo-bacen svg{width:30px;height:30px;color:var(--vermelho);flex:none}
.fonte-institucional{margin-top:26px;font-size:11.5px;color:rgba(255,255,255,.4)}

/* ---------- Grid da seção de segurança (texto + foto BACEN) ---------- */
.seg-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center}
@media (max-width:920px){.seg-grid{grid-template-columns:1fr;gap:36px}}
.seg-foto{
  position:relative;border-radius:6px;overflow:hidden;border:10px solid rgba(255,255,255,.08);
  clip-path:polygon(0 0,calc(100% - 26px) 0,100% 26px,100% 100%,0 100%);
}
.seg-foto img{width:100%;height:100%;min-height:320px;object-fit:cover}
.seg-foto figcaption{
  position:absolute;left:0;bottom:0;background:var(--vermelho);color:#fff;
  font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;padding:9px 15px;
}

/* ---------- Contemplação (3 caminhos) ---------- */
.caminhos{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}
@media (max-width:920px){.caminhos{grid-template-columns:1fr}}
.caminho{
  background:#fff;border:1.5px solid var(--moldura);border-radius:var(--r-card);
  padding:30px 26px 32px;clip-path:polygon(0 0,calc(100% - 20px) 0,100% 20px,100% 100%,0 100%);
  transition:border-color .2s,transform .2s,box-shadow .2s;position:relative;
}
.caminho:hover{border-color:var(--vermelho);transform:translateY(-6px);box-shadow:var(--sombra-leve)}
.caminho .tag{
  display:inline-block;font-size:10.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  background:var(--grafite);color:#fff;padding:6px 13px;border-radius:999px;margin-bottom:18px;
}
.caminho:nth-child(2) .tag{background:var(--vermelho)}
.caminho p{margin-top:10px;font-size:14px;line-height:1.65}
.caminho .num-serif{
  position:absolute;top:18px;right:24px;font-family:'Playfair Display',serif;font-style:italic;
  font-weight:600;font-size:44px;color:var(--creme);line-height:1;
}

/* ---------- Quem é o Kelme (split) ---------- */
.split{display:grid;grid-template-columns:.92fr 1.08fr;gap:64px;align-items:center}
@media (max-width:920px){.split{grid-template-columns:1fr;gap:40px}}
.split .foto-borda{
  border:10px solid var(--vermelho);border-radius:6px;overflow:hidden;
  clip-path:polygon(0 0,calc(100% - 28px) 0,100% 28px,100% 100%,0 100%);
  position:relative;
}
.split .foto-borda img{width:100%;height:100%;object-fit:cover}
.split .foto-borda figcaption{
  position:absolute;left:0;bottom:0;background:var(--grafite-2);color:#fff;
  font-size:11.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;padding:10px 16px;
}
.split .txt p{margin-top:16px;font-size:15.5px;line-height:1.7}
.split .acoes{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap}
.split .marcos{display:flex;gap:34px;margin-top:32px}
.split .marcos .m b{display:block;font-size:26px;font-weight:800;color:var(--vermelho)}
.split .marcos .m span{font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--mudo)}

/* ---------- Anti-golpe ---------- */
.regras{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:44px}
@media (max-width:820px){.regras{grid-template-columns:1fr}}
.regra{
  background:#fff;border-radius:var(--r-card);padding:26px 26px 28px;box-shadow:var(--sombra-leve);
  clip-path:polygon(0 0,calc(100% - 18px) 0,100% 18px,100% 100%,0 100%);
  display:flex;gap:18px;align-items:flex-start;
}
.regra svg{width:26px;height:26px;color:var(--vermelho);flex:none;margin-top:2px}
.regra p{margin-top:7px;font-size:13.5px;line-height:1.6}

/* ---------- FAQ ---------- */
.faq{max-width:820px;margin:44px auto 0}
.faq details{border-bottom:1px solid var(--moldura)}
.faq summary{
  cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:18px;align-items:center;
  padding:21px 4px;font-weight:600;font-size:15.5px;color:var(--ink);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:'+';font-size:22px;font-weight:400;color:var(--vermelho);transition:transform .2s;flex:none;
}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 4px 22px;font-size:14.5px;line-height:1.7}

/* ---------- CTA final ---------- */
.cta-final{
  background:linear-gradient(118deg,var(--vermelho-3),var(--vermelho) 62%,#FF5A4D);
  color:#fff;text-align:center;position:relative;overflow:hidden;
}
.cta-final h2{color:#fff}
.cta-final p{margin:16px auto 0;max-width:520px;font-size:16px;line-height:1.6;color:rgba(255,255,255,.9)}
.cta-final .acoes{display:flex;gap:16px;justify-content:center;margin-top:34px;flex-wrap:wrap}
.cta-final .btn-wa{box-shadow:0 12px 30px rgba(0,0,0,.22)}
.cta-final .kc-marca{
  position:absolute;left:-30px;top:-110px;font-family:'Playfair Display',serif;font-style:italic;
  font-weight:600;font-size:330px;color:rgba(255,255,255,.09);line-height:1;user-select:none;
}

/* ---------- Footer ---------- */
footer{background:var(--grafite-2);color:#B9B2AA;padding:64px 0 0;margin-top:0}
.foot-grid{display:grid;grid-template-columns:1.3fr .8fr .9fr 1.1fr;gap:44px}
@media (max-width:920px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.foot-grid{grid-template-columns:1fr}}
footer .marca .lock b{color:#fff}
footer .marca img{filter:brightness(0) invert(1)}
footer .marca .lock span{color:#F5A79F !important;font-size:9.5px}
footer h4{font-size:12px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:#fff;margin-bottom:18px}
footer .col a{display:block;font-size:14px;padding:6px 0;transition:color .15s}
footer .col a:hover{color:#fff}
footer .desc{margin-top:18px;font-size:13.5px;line-height:1.7}
.foot-contato{background:#141210;border-radius:16px;padding:24px;clip-path:polygon(0 0,calc(100% - 16px) 0,100% 16px,100% 100%,0 100%)}
.foot-contato .l{font-size:10.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--vermelho);margin-top:14px}
.foot-contato .l:first-child{margin-top:0}
.foot-contato .v{font-size:15px;font-weight:600;color:#fff;margin-top:3px}
.selos{display:flex;gap:34px;flex-wrap:wrap;align-items:center;margin-top:52px;padding:26px 0;border-top:1px solid rgba(255,255,255,.1)}
.selos .s{font-size:11px;letter-spacing:.06em;line-height:1.5}
.selos .s b{display:block;color:#fff;font-size:12.5px;letter-spacing:.02em}
.disclaimer{font-size:11.5px;line-height:1.7;color:rgba(255,255,255,.45);padding:22px 0 0;border-top:1px solid rgba(255,255,255,.1)}
.powered{padding:20px 0 30px;font-size:12px;color:rgba(255,255,255,.45)}
.powered a{color:rgba(255,255,255,.75);font-weight:600}
.powered a:hover{color:#fff}

/* ---------- Página interna: hero ---------- */
.page-hero{
  margin:16px 0 0;overflow:hidden;background:var(--grafite-2);
  color:#fff;position:relative;display:grid;grid-template-columns:1.15fr .85fr;align-items:center;
}
.page-hero .txt{padding:66px 40px 66px max(64px,calc((100vw - 1160px)/2));position:relative;z-index:2}
.page-hero .crumb{font-size:11.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:16px;display:block}
.page-hero .crumb a{color:rgba(255,255,255,.7)}
.page-hero .crumb a:hover{color:#fff}
.page-hero h1{font-size:clamp(30px,4.2vw,48px);color:#fff}
.page-hero h1 .grifo{color:#FF6A5E}
.page-hero p{margin-top:16px;font-size:16px;line-height:1.65;color:rgba(255,255,255,.8);max-width:520px}
.page-hero .foto{position:relative;height:100%;min-height:340px}
.page-hero .foto img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
.page-hero .foto::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(90deg,var(--grafite-2) 0%,rgba(30,27,25,.2) 40%,rgba(30,27,25,0) 70%);
}
.page-hero.solo{grid-template-columns:1fr}
.page-hero.solo .txt{max-width:760px;padding-right:64px}
@media (max-width:920px){
  .page-hero{grid-template-columns:1fr}
  .page-hero .txt{padding:48px 26px;order:2}
  .page-hero .foto{min-height:260px;order:1}
  .page-hero .foto::after{background:linear-gradient(0deg,var(--grafite-2) 4%,rgba(30,27,25,.1) 60%)}
}

/* ---------- Layout com menu lateral (desktop) ---------- */
.layout{display:grid;grid-template-columns:232px 1fr;align-items:start}
.layout > .conteudo{min-width:0}
.lateral{
  position:sticky;top:104px;padding:36px 10px 36px 30px;
}
.lateral .rotulo{
  font-size:10.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;
  color:var(--mudo);display:block;margin-bottom:14px;padding-left:14px;
}
.lateral a{
  display:block;font-size:13px;font-weight:600;color:var(--corpo);padding:9px 14px;
  border-left:2.5px solid var(--moldura);transition:color .15s,border-color .15s,background .15s;
  line-height:1.35;
}
.lateral a:hover{color:var(--vermelho)}
.lateral a.on{color:var(--vermelho);border-left-color:var(--vermelho);background:#FDECEA;
  clip-path:polygon(0 0,calc(100% - 10px) 0,100% 10px,100% 100%,0 100%)}
/* barra horizontal (fallback mobile/tablet) */
.subnav{
  display:none;position:sticky;top:86px;z-index:40;margin:16px auto 0;max-width:1160px;width:calc(100% - 32px);
  background:rgba(247,245,240,.95);backdrop-filter:blur(10px);border-radius:14px;
  gap:4px;overflow-x:auto;padding:8px;box-shadow:var(--sombra-leve);
  scrollbar-width:none;
}
.subnav::-webkit-scrollbar{display:none}
.subnav a{
  flex:none;font-size:12.5px;font-weight:600;color:var(--corpo);padding:10px 16px;border-radius:9px;
  transition:background .15s,color .15s;white-space:nowrap;
}
.subnav a:hover,.subnav a.on{background:#fff;color:var(--vermelho)}
@media (max-width:1020px){
  .layout{display:block}
  .lateral{display:none}
  .subnav{display:flex}
}
/* dentro do layout, o conteúdo respira menos à esquerda */
.conteudo .container{max-width:100%;padding:0 44px 0 14px}
@media (max-width:1020px){.conteudo .container{max-width:1120px;padding:0 40px;margin:0 auto}}
@media (max-width:720px){.conteudo .container{padding:0 22px}}

/* ---------- Timeline de etapas com ícones (estilo Stara) ---------- */
.etapas{margin-top:56px}
.etapas-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.etapa{text-align:center;padding:0 18px;position:relative}
.etapa .ico{height:96px;display:flex;align-items:center;justify-content:center;margin-bottom:34px}
.etapa .ico svg{width:74px;height:74px;color:var(--vermelho)}
.etapa::before{
  content:'';position:absolute;left:0;right:0;top:112px;height:2px;background:var(--moldura);
}
.etapa:first-child::before{left:50%}
.etapa:last-child::before{right:50%}
.etapa::after{
  content:'';position:absolute;top:106px;left:50%;transform:translateX(-50%);
  width:14px;height:14px;border-radius:50%;background:var(--vermelho);
  box-shadow:0 0 0 4px #fff;z-index:1;
}
.sec-areia .etapa::after{box-shadow:0 0 0 4px var(--areia)}
.etapa h3{margin-top:26px;font-size:16.5px}
.etapa p{margin-top:9px;font-size:13px;line-height:1.6}
@media (max-width:920px){
  .etapas-grid{grid-template-columns:repeat(2,1fr);gap:40px 0}
  .etapa:nth-child(2)::before{right:50%}
  .etapa:nth-child(3)::before{left:50%}
}
@media (max-width:560px){
  .etapas-grid{grid-template-columns:1fr}
  .etapa::before{display:none}
  .etapa::after{display:none}
  .etapa .ico{margin-bottom:8px;height:auto}
}

/* ---------- Cards de vantagem com ícone (estilo Stara) ---------- */
.vantagens{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:48px}
@media (max-width:980px){.vantagens{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.vantagens{grid-template-columns:1fr}}
.vantagem{
  background:#fff;border-radius:var(--r-card);padding:30px 24px 32px;box-shadow:var(--sombra-leve);
  clip-path:polygon(0 0,calc(100% - 18px) 0,100% 18px,100% 100%,0 100%);
  transition:transform .2s;
}
.vantagem:hover{transform:translateY(-6px)}
.vantagem .ico{
  width:52px;height:52px;border-radius:14px;background:#FDECEA;display:flex;
  align-items:center;justify-content:center;margin-bottom:20px;
}
.vantagem .ico svg{width:26px;height:26px;color:var(--vermelho)}
.vantagem h3{font-size:17px}
.vantagem p{margin-top:10px;font-size:13.5px;line-height:1.65}

/* ---------- Passos numerados ---------- */
.passos-v2{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:48px}
@media (max-width:980px){.passos-v2{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.passos-v2{grid-template-columns:1fr}}
.passo-v2{
  background:#fff;border:1.5px solid var(--moldura);border-radius:var(--r-card);padding:28px 22px 30px;
  clip-path:polygon(0 0,calc(100% - 18px) 0,100% 18px,100% 100%,0 100%);position:relative;
  transition:border-color .2s,transform .2s;
}
.passo-v2:hover{border-color:var(--vermelho);transform:translateY(-5px)}
.passo-v2 .n{
  font-family:'Playfair Display',serif;font-style:italic;font-weight:600;font-size:40px;
  color:var(--vermelho);line-height:1;display:block;margin-bottom:14px;
}
.passo-v2 p{margin-top:9px;font-size:13.5px;line-height:1.65}

/* ---------- Tabela comparativa ---------- */
.tabela-wrap{overflow-x:auto;margin-top:44px;border-radius:16px;box-shadow:var(--sombra-leve)}
.comparativo{width:100%;min-width:640px;border-collapse:collapse;background:#fff;font-size:14px}
.comparativo th,.comparativo td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--moldura);line-height:1.5}
.comparativo thead th{
  background:var(--grafite-2);color:#fff;font-size:12.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;
}
.comparativo thead th:nth-child(2){background:var(--vermelho)}
.comparativo tbody td:first-child{font-weight:600;color:var(--ink);width:170px}
.comparativo td.sim{background:#FBF6EE}
.comparativo td.sim::before{content:'✓  ';color:var(--wa);font-weight:700}
.comparativo td.nao::before{content:'✗  ';color:var(--vermelho);font-weight:700}
.comparativo tbody tr:last-child td{border-bottom:0}

/* ---------- Checks + quote ---------- */
.checks{margin-top:30px;display:grid;gap:18px}
.checks li{display:flex;gap:14px;align-items:flex-start;font-size:14.5px;line-height:1.65}
.checks svg{width:22px;height:22px;color:var(--wa);flex:none;margin-top:2px}
.checks strong{color:var(--ink)}
.quote-card{
  background:var(--grafite-2);color:#fff;border-radius:18px;padding:44px 38px;position:relative;
  clip-path:polygon(0 0,calc(100% - 24px) 0,100% 24px,100% 100%,0 100%);
}
.quote-card .aspas{
  font-family:'Playfair Display',serif;font-style:italic;font-size:110px;line-height:.6;
  color:var(--vermelho);display:block;margin-bottom:18px;
}
.quote-card blockquote{font-family:'Playfair Display',serif;font-style:italic;font-weight:600;font-size:22px;line-height:1.5}
.quote-card cite{display:block;margin-top:22px;font-style:normal;font-size:13px;color:rgba(255,255,255,.65)}
.quote-card cite strong{color:#fff}

/* ---------- Abas genéricas (parcelas/grupos/assembleias, FAQ) ---------- */
.tabbox{background:#fff;border-radius:18px;box-shadow:var(--sombra-leve);overflow:hidden;margin-top:44px}
.tabbox .tbtns{display:flex;border-bottom:1px solid var(--moldura);overflow-x:auto;scrollbar-width:none}
.tabbox .tbtns::-webkit-scrollbar{display:none}
.tabbox .tbtns button{
  flex:1;min-width:150px;background:var(--areia);border:0;padding:16px 18px;cursor:pointer;font-family:inherit;
  font-size:13px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--mudo);
  transition:background .15s,color .15s;border-left:1px solid var(--moldura);white-space:nowrap;
}
.tabbox .tbtns button:first-child{border-left:0}
.tabbox .tbtns button.on{background:#fff;color:var(--vermelho);box-shadow:inset 0 -3px 0 var(--vermelho)}
.tabbox .tpanel{display:none;padding:36px 42px 40px}
.tabbox .tpanel.on{display:block}
.tabbox .tpanel h3{font-size:18px}
.tpanel .split2{display:grid;grid-template-columns:1.35fr .65fr;gap:34px;align-items:center}
@media (max-width:720px){.tpanel .split2{grid-template-columns:1fr}}
.big-ico{
  width:150px;height:150px;border-radius:26px;background:#FDECEA;display:flex;
  align-items:center;justify-content:center;margin:0 auto;
  clip-path:polygon(0 0,calc(100% - 26px) 0,100% 26px,100% 100%,0 100%);
}
.big-ico svg{width:74px;height:74px;color:var(--vermelho)}
.caminho .c-ico{width:46px;height:46px;border-radius:12px;background:#FDECEA;display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.caminho .c-ico svg{width:24px;height:24px;color:var(--vermelho)}
.tabbox .tpanel p{margin-top:14px;font-size:14.5px;line-height:1.7}
.tabbox .tpanel .faq{margin-top:0;max-width:none}
@media (max-width:720px){.tabbox .tpanel{padding:26px 22px 30px}}

/* ---------- Caixa de exemplo numérico ---------- */
.exemplo{
  margin-top:16px;background:var(--areia);border-left:3px solid var(--vermelho);
  padding:14px 16px;font-size:13px;line-height:1.65;border-radius:0 10px 10px 0;
}
.exemplo b{color:var(--ink)}

/* ---------- Dupla de cards (app + dúvidas, estilo Stara) ---------- */
.duo-cards{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px}
@media (max-width:820px){.duo-cards{grid-template-columns:1fr}}
.duo-card{
  background:#fff;border-radius:18px;padding:36px 34px 38px;box-shadow:var(--sombra-leve);
  clip-path:polygon(0 0,calc(100% - 22px) 0,100% 22px,100% 100%,0 100%);
}
.duo-card.escuro{background:var(--grafite-2);color:#D8D2CB}
.duo-card.escuro h3{color:#fff}
.duo-card h3{font-size:21px}
.duo-card p{margin-top:12px;font-size:14px;line-height:1.65}
.duo-card .app-itens{margin-top:20px;display:grid;gap:10px}
.duo-card .app-itens li{display:flex;gap:10px;align-items:center;font-size:13.5px}
.duo-card .app-itens svg{width:16px;height:16px;color:var(--vermelho);flex:none}
.duo-card.escuro .app-itens svg{color:#FF6A5E}
.duo-card .acoes{display:flex;gap:12px;margin-top:26px;flex-wrap:wrap}

/* ---------- Prosa (política) ---------- */
.prosa{max-width:760px;margin:0 auto}
.prosa h2{font-size:22px;margin-top:40px}
.prosa p,.prosa li{margin-top:14px;font-size:14.5px;line-height:1.75}
.prosa ul{padding-left:20px;list-style:disc}

/* ---------- Botão WA flutuante ---------- */
.wa-flut{
  position:fixed;right:26px;bottom:26px;z-index:80;width:58px;height:58px;border-radius:50%;
  background:var(--wa);display:flex;align-items:center;justify-content:center;
  box-shadow:0 12px 30px rgba(23,169,78,.4);transition:transform .2s;
}
.wa-flut:hover{transform:scale(1.08)}
.wa-flut svg{width:28px;height:28px;color:#fff}

/* ---------- Reveal on scroll ---------- */
.rv{opacity:0;transform:translateY(26px);transition:opacity .6s ease,transform .6s ease}
.rv.on{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .rv{opacity:1;transform:none;transition:none}
  .slides{transition:none}
}