/* CREDSIM — site institucional. Azul-marinho + dourado do emblema. */
:root {
  --navy: #0f2240;
  --navy-2: #173257;
  --gold: #c9a24a;
  --gold-soft: #f4ead2;
  --ink: #1a2433;
  --muted: #5b6676;
  --line: #dfe4ec;
  --bg: #f6f7f9;
  --white: #ffffff;
  --ok: #1f7a46;
  --font-title: "Montserrat", "Segoe UI", system-ui, sans-serif;
  --font-body: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--font-body); font-size: 17px; line-height: 1.6; }
img { max-width: 100%; }
a { color: var(--navy-2); }
a:focus-visible, button:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
h1, h2, h3 { font-family: var(--font-title); line-height: 1.2; margin: 0; text-wrap: balance; color: var(--navy); }
h1 { font-size: clamp(2rem, 5vw, 3rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 3.5vw, 2rem); font-weight: 700; }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin: 0; }
.container { max-width: 1120px; margin: 0 auto; padding-inline: 20px; }
.pend { background: #fff3a8; color: #5a4a00; border-radius: 3px; padding: 0 4px; font-weight: 600; }

/* faixa de prévia */
.previa { background: #fff3a8; color: #5a4a00; text-align: center; font-size: 0.85rem; padding: 6px 16px; }

/* topo */
.topo { background: var(--navy); color: var(--white); position: sticky; top: 0; z-index: 20; }
.topo .container { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 76px; }
.marca { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--white); }
.marca img { height: 54px; width: auto; }
.menu { display: flex; align-items: center; gap: 4px; flex-wrap: wrap; }
.menu a { color: #dfe7f3; text-decoration: none; font-weight: 600; font-size: 0.95rem; padding: 8px 10px; border-radius: 6px; }
.menu a:hover { color: var(--white); background: var(--navy-2); }
.btn { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-title); font-weight: 700; font-size: 0.95rem; text-decoration: none; border-radius: 999px; padding: 11px 20px; border: 2px solid transparent; cursor: pointer; }
.btn-ouro { background: var(--gold); color: var(--navy); }
.btn-ouro:hover { background: #d8b45e; }
.btn-linha { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-linha:hover { background: var(--navy); color: var(--white); }
.menu .btn { margin-left: 6px; padding: 9px 16px; }
.menu-toggle { display: none; background: none; border: 2px solid #3a5480; color: var(--white); border-radius: 8px; padding: 6px 12px; font: inherit; font-weight: 700; }
@media (max-width: 900px) {
  .menu-toggle { display: inline-block; }
  .menu { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--navy); flex-direction: column; align-items: stretch; padding: 10px 20px 18px; }
  .menu.aberto { display: flex; }
  .menu .btn { margin: 8px 0 0; justify-content: center; }
}

/* hero */
.hero { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 70%); color: var(--white); padding-block: 64px 72px; }
.hero .container { display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: center; }
.hero h1 { color: var(--white); }
.hero p { color: #d5deeb; font-size: 1.15rem; margin-top: 16px; max-width: 56ch; }
.hero .acoes { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
.hero .btn-linha { border-color: #8fa6c8; color: var(--white); }
.hero .btn-linha:hover { background: var(--white); color: var(--navy); }
.selo { display: inline-block; font-size: 0.82rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold); font-weight: 700; margin-bottom: 14px; }
.hero-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.15); border-radius: 18px; padding: 28px; display: grid; gap: 16px; }
.hero-card .item { display: grid; grid-template-columns: 40px 1fr; gap: 12px; align-items: start; }
.hero-card .ic { width: 40px; height: 40px; border-radius: 10px; background: var(--gold); color: var(--navy); display: grid; place-items: center; font-weight: 800; font-family: var(--font-title); }
.hero-card b { display: block; color: var(--white); }
.hero-card span { color: #c4d0e2; font-size: 0.95rem; }
@media (max-width: 860px) { .hero .container { grid-template-columns: 1fr; } }

/* seções */
.secao { padding-block: 64px; }
.secao.branca { background: var(--white); }
.secao .titulo { display: grid; gap: 10px; margin-bottom: 32px; max-width: 70ch; }
.secao .titulo p { color: var(--muted); }
.rotulo { font-size: 0.8rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold); font-weight: 700; font-family: var(--font-title); }
.grade { display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.cartao { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 24px; display: grid; gap: 10px; align-content: start; min-width: 0; }
.secao.branca .cartao { background: var(--bg); }
.cartao p { color: var(--muted); }
.cartao .ic { width: 46px; height: 46px; border-radius: 12px; background: var(--gold-soft); color: var(--navy); display: grid; place-items: center; font-size: 1.4rem; }
.publicos { display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.publico { border-radius: 16px; padding: 30px; display: grid; gap: 12px; align-content: start; }
.publico.voce { background: var(--navy); color: var(--white); }
.publico.voce h3 { color: var(--white); }
.publico.voce p { color: #cfd9e8; }
.publico.loja { background: var(--gold-soft); }
.publico ul { margin: 0; padding-left: 20px; display: grid; gap: 4px; }
.publico .btn { justify-self: start; margin-top: 6px; }
.passos { list-style: none; margin: 0; padding: 0; display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); counter-reset: p; }
.passos li { counter-increment: p; background: var(--white); border-radius: 14px; border: 1px solid var(--line); padding: 22px; display: grid; gap: 8px; align-content: start; }
.passos li::before { content: counter(p); width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-family: var(--font-title); font-weight: 800; }
.passos p { color: var(--muted); font-size: 0.97rem; }
.unidade { display: grid; gap: 6px; }
.unidade .cidade { font-family: var(--font-title); font-weight: 700; font-size: 1.1rem; color: var(--navy); }
.unidade dl { margin: 0; display: grid; grid-template-columns: auto 1fr; gap: 4px 10px; font-size: 0.95rem; }
.unidade dt { color: var(--muted); }
.unidade dd { margin: 0; }
.aviso-banco { background: var(--white); border-left: 5px solid var(--gold); border-radius: 0 12px 12px 0; padding: 20px 22px; display: grid; gap: 8px; }
.aviso-banco p { color: var(--muted); }
details { background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 16px 20px; }
details + details { margin-top: 10px; }
summary { cursor: pointer; font-weight: 700; color: var(--navy); }
details p { margin-top: 10px; color: var(--muted); }
.contato { display: grid; gap: 24px; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.contato dl { margin: 0; display: grid; grid-template-columns: auto 1fr; gap: 8px 14px; }
.contato dt { color: var(--muted); }
.contato dd { margin: 0; font-weight: 600; }

/* páginas legais */
.legal { background: var(--white); }
.legal .container { max-width: 820px; padding-block: 48px 64px; display: grid; gap: 18px; }
.legal h2 { font-size: 1.3rem; margin-top: 14px; }
.legal p, .legal li { color: #3b4657; }
.legal ul { margin: 0; padding-left: 22px; display: grid; gap: 4px; }
.legal .atualizado { color: var(--muted); font-size: 0.9rem; }

/* rodapé */
.rodape { background: var(--navy); color: #c9d4e4; padding-block: 48px 28px; font-size: 0.93rem; }
.rodape .colunas { display: grid; gap: 28px; grid-template-columns: 1.4fr 1fr 1fr 1fr; }
.rodape h3 { color: var(--white); font-size: 0.95rem; margin-bottom: 10px; }
.rodape a { color: #e6edf7; text-decoration: none; }
.rodape a:hover { text-decoration: underline; }
.rodape ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }
.rodape .marca img { height: 64px; }
.rodape .legal-txt { border-top: 1px solid #2a4369; margin-top: 32px; padding-top: 20px; display: grid; gap: 8px; font-size: 0.85rem; color: #aebcd2; }
@media (max-width: 860px) { .rodape .colunas { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .rodape .colunas { grid-template-columns: 1fr; } }

/* cookies */
.cookies { position: fixed; left: 16px; right: 16px; bottom: 16px; max-width: 760px; margin: 0 auto; background: var(--white); color: var(--ink); border: 1px solid var(--line); border-radius: 14px; box-shadow: 0 10px 30px rgba(15,34,64,.18); padding: 16px 18px; display: flex; gap: 14px; align-items: center; flex-wrap: wrap; z-index: 50; }
.cookies p { flex: 1 1 320px; font-size: 0.92rem; color: var(--muted); }
.cookies .btn { padding: 9px 18px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }