/* ===== Credinorte Design System ===== */
:root {
  --navy-950: hsl(222, 60%, 7%);
  --navy-900: hsl(222, 55%, 11%);
  --navy-800: hsl(222, 45%, 17%);
  --navy-700: hsl(222, 38%, 26%);
  --emerald: hsl(158, 72%, 42%);
  --emerald-light: hsl(158, 70%, 55%);
  --gold: hsl(42, 92%, 58%);
  --ink: hsl(222, 30%, 18%);
  --muted: hsl(220, 12%, 46%);
  --line: hsl(220, 20%, 90%);
  --bg: hsl(210, 33%, 98%);
  --white: #fff;
  --grad: linear-gradient(135deg, var(--emerald) 0%, hsl(190, 80%, 45%) 100%);
  --grad-gold: linear-gradient(135deg, var(--gold), hsl(28, 95%, 58%));
  --radius: 18px;
  --shadow: 0 10px 40px -12px hsla(222, 60%, 15%, .18);
  --shadow-lg: 0 30px 60px -20px hsla(222, 60%, 10%, .35);
  --font-head: 'Poppins', system-ui, sans-serif;
  --font-body: 'Inter', system-ui, sans-serif;
  --container: 1200px;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-body); color: var(--ink); background: var(--bg); line-height: 1.7; font-size: 1.0625rem; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.2; color: var(--navy-900); }
.container { width: min(var(--container), 92%); margin-inline: auto; }
.section { padding: 6rem 0; }
.section-sm { padding: 4rem 0; }
.eyebrow { display: inline-flex; align-items: center; gap: .5rem; font-size: .8rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--emerald); background: hsla(158, 72%, 42%, .1); padding: .4rem .9rem; border-radius: 99px; }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 3.5rem; }
.section-head h2 { font-size: clamp(2rem, 4vw, 2.75rem); margin: 1rem 0 .8rem; }
.section-head p { color: var(--muted); }
.text-grad { background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: .6rem; padding: .95rem 1.7rem; border-radius: 99px; font-weight: 600; font-family: var(--font-head); font-size: .95rem; border: 0; cursor: pointer; transition: transform .25s, box-shadow .25s, background .25s; }
.btn-primary { background: var(--grad); color: var(--white); box-shadow: 0 10px 30px -8px hsla(158, 72%, 42%, .6); }
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 16px 40px -8px hsla(158, 72%, 42%, .7); }
.btn-ghost { background: hsla(0, 0%, 100%, .08); color: var(--white); border: 1px solid hsla(0, 0%, 100%, .25); backdrop-filter: blur(10px); }
.btn-ghost:hover { background: hsla(0, 0%, 100%, .16); transform: translateY(-3px); }
.btn-outline { border: 2px solid var(--emerald); color: var(--emerald); background: transparent; }
.btn-outline:hover { background: var(--emerald); color: var(--white); }

/* Header */
.site-header { position: fixed; inset: 0 0 auto 0; z-index: 100; transition: background .3s, box-shadow .3s, padding .3s; padding: 1.1rem 0; }
.site-header.scrolled, .site-header.solid { background: hsla(222, 55%, 11%, .88); backdrop-filter: blur(16px); box-shadow: 0 6px 30px -10px rgba(0,0,0,.4); padding: .7rem 0; }
.nav { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.logo { display: flex; align-items: center; gap: .6rem; font-family: var(--font-head); font-weight: 700; font-size: 1.4rem; color: var(--white); }
.logo-mark { width: 40px; height: 40px; border-radius: 12px; background: var(--grad); display: grid; place-items: center; font-size: 1.2rem; box-shadow: 0 6px 20px -6px hsla(158,72%,42%,.7); }
.logo span b { color: var(--emerald-light); font-weight: 700; }
.nav-links { display: flex; gap: 2rem; list-style: none; align-items: center; }
.nav-links a { color: hsla(0,0%,100%,.8); font-weight: 500; font-size: .95rem; position: relative; transition: color .2s; }
.nav-links a::after { content: ''; position: absolute; left: 0; bottom: -6px; height: 2px; width: 0; background: var(--emerald-light); transition: width .3s; }
.nav-links a:hover, .nav-links a.active { color: var(--white); }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-toggle { display: none; background: none; border: 0; color: var(--white); font-size: 1.6rem; cursor: pointer; }

/* Hero */
.hero { position: relative; min-height: 100vh; display: flex; align-items: center; background: radial-gradient(ellipse at 80% 20%, hsla(158,72%,42%,.25), transparent 50%), radial-gradient(ellipse at 10% 90%, hsla(42,92%,58%,.12), transparent 50%), var(--navy-950); color: var(--white); overflow: hidden; padding: 8rem 0 5rem; }
.hero::before { content: ''; position: absolute; inset: 0; background-image: linear-gradient(hsla(0,0%,100%,.04) 1px, transparent 1px), linear-gradient(90deg, hsla(0,0%,100%,.04) 1px, transparent 1px); background-size: 60px 60px; mask-image: radial-gradient(ellipse at center, black 30%, transparent 75%); }
.hero-grid { position: relative; display: grid; grid-template-columns: 1.1fr .9fr; gap: 4rem; align-items: center; }
.hero h1 { color: var(--white); font-size: clamp(2.6rem, 5.5vw, 4.2rem); margin: 1.4rem 0; letter-spacing: -.02em; }
.hero p.lead { font-size: 1.2rem; color: hsla(0,0%,100%,.72); max-width: 560px; }
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-top: 2.2rem; }
.hero-badges { display: flex; gap: 2rem; margin-top: 3rem; flex-wrap: wrap; }
.hero-badges div strong { display: block; font-family: var(--font-head); font-size: 1.8rem; color: var(--white); }
.hero-badges div span { font-size: .85rem; color: hsla(0,0%,100%,.6); }
.hero .eyebrow { background: hsla(158,72%,42%,.15); color: var(--emerald-light); }

.glass { background: hsla(0,0%,100%,.06); border: 1px solid hsla(0,0%,100%,.12); backdrop-filter: blur(20px); border-radius: 24px; box-shadow: var(--shadow-lg); }
.calc-card { padding: 2rem; animation: float 6s ease-in-out infinite; }
.calc-card h3 { color: var(--white); font-size: 1.25rem; margin-bottom: 1.4rem; }
.calc-row { margin-bottom: 1.4rem; }
.calc-row label { display: flex; justify-content: space-between; font-size: .9rem; color: hsla(0,0%,100%,.7); margin-bottom: .6rem; }
.calc-row label b { color: var(--white); font-family: var(--font-head); }
input[type=range] { width: 100%; accent-color: var(--emerald); height: 6px; cursor: pointer; }
.calc-result { background: hsla(158,72%,42%,.14); border: 1px solid hsla(158,72%,42%,.35); padding: 1.2rem; border-radius: 16px; text-align: center; margin: 1.4rem 0; }
.calc-result span { font-size: .85rem; color: hsla(0,0%,100%,.7); }
.calc-result strong { display: block; font-family: var(--font-head); font-size: 2.2rem; color: var(--emerald-light); }
.calc-note { font-size: .75rem; color: hsla(0,0%,100%,.5); text-align: center; margin-top: .8rem; }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

/* Cards */
.grid { display: grid; gap: 1.6rem; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 2rem; transition: transform .35s, box-shadow .35s, border-color .35s; }
.card:hover { transform: translateY(-8px); box-shadow: var(--shadow); border-color: hsla(158,72%,42%,.4); }
.card .icon { width: 56px; height: 56px; border-radius: 16px; background: var(--grad); display: grid; place-items: center; font-size: 1.6rem; margin-bottom: 1.2rem; box-shadow: 0 10px 24px -10px hsla(158,72%,42%,.8); }
.card h3 { font-size: 1.2rem; margin-bottom: .6rem; }
.card p { color: var(--muted); font-size: .97rem; }

/* Steps */
.steps { counter-reset: s; }
.step { position: relative; padding-top: 3.5rem; }
.step::before { counter-increment: s; content: '0' counter(s); position: absolute; top: 0; left: 2rem; font-family: var(--font-head); font-size: 2.6rem; font-weight: 800; background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* Dark band */
.band { background: var(--navy-900); color: var(--white); position: relative; overflow: hidden; }
.band h2, .band h3 { color: var(--white); }
.band .section-head p { color: hsla(0,0%,100%,.65); }

/* Blog cards */
.post-card { background: var(--white); border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); display: flex; flex-direction: column; transition: transform .35s, box-shadow .35s; }
.post-card:hover { transform: translateY(-8px); box-shadow: var(--shadow); }
.post-thumb { aspect-ratio: 16/9; display: grid; place-items: center; font-size: 3.2rem; position: relative; overflow: hidden; }
.post-thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s; }
.post-card:hover .post-thumb img { transform: scale(1.06); }
.post-body { padding: 1.5rem; display: flex; flex-direction: column; gap: .6rem; flex: 1; }
.post-cat { font-size: .75rem; font-weight: 600; text-transform: uppercase; letter-spacing: .1em; color: var(--emerald); }
.post-body h3 { font-size: 1.15rem; }
.post-body p { color: var(--muted); font-size: .93rem; flex: 1; }
.post-meta { font-size: .8rem; color: var(--muted); display: flex; gap: 1rem; }
.th-1 { background: linear-gradient(135deg, hsl(158,60%,88%), hsl(190,70%,85%)); }
.th-2 { background: linear-gradient(135deg, hsl(42,90%,88%), hsl(28,90%,85%)); }
.th-3 { background: linear-gradient(135deg, hsl(222,60%,90%), hsl(260,60%,90%)); }
.th-4 { background: linear-gradient(135deg, hsl(340,70%,92%), hsl(10,80%,90%)); }

.filters { display: flex; flex-wrap: wrap; gap: .6rem; justify-content: center; margin-bottom: 2.5rem; }
.filter { padding: .55rem 1.2rem; border-radius: 99px; border: 1px solid var(--line); background: var(--white); cursor: pointer; font-weight: 500; font-size: .9rem; transition: all .2s; font-family: var(--font-body); }
.filter.active, .filter:hover { background: var(--navy-900); color: var(--white); border-color: var(--navy-900); }

/* Testimonials */
.quote { padding: 2rem; }
.quote p { font-style: italic; color: var(--ink); }
.stars { color: var(--gold); letter-spacing: .15em; margin-bottom: 1rem; }
.who { display: flex; align-items: center; gap: .8rem; margin-top: 1.4rem; }
.avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--grad); color: var(--white); display: grid; place-items: center; font-weight: 700; font-family: var(--font-head); }
.who small { display: block; color: var(--muted); }

/* Forms */
.form-card { background: var(--white); border-radius: 24px; padding: 2.5rem; box-shadow: var(--shadow-lg); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
.field { display: flex; flex-direction: column; gap: .4rem; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: .88rem; font-weight: 600; color: var(--navy-800); }
.field input, .field select, .field textarea { padding: .9rem 1rem; border: 1.5px solid var(--line); border-radius: 12px; font: inherit; font-size: .95rem; background: var(--bg); transition: border-color .2s, box-shadow .2s; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--emerald); box-shadow: 0 0 0 4px hsla(158,72%,42%,.15); background: var(--white); }
.field input:user-invalid { border-color: hsl(0, 70%, 60%); }
.check { display: flex; gap: .6rem; align-items: flex-start; font-size: .88rem; color: var(--muted); }
.check a { color: var(--emerald); text-decoration: underline; }
.form-msg { display: none; padding: 1rem; border-radius: 12px; background: hsla(158,72%,42%,.12); color: hsl(158,72%,25%); font-weight: 500; margin-top: 1rem; }
.form-msg.show { display: block; }

/* FAQ */
details.faq { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 1.2rem 1.5rem; margin-bottom: .8rem; transition: box-shadow .2s; }
details.faq[open] { box-shadow: var(--shadow); }
details.faq summary { cursor: pointer; font-weight: 600; font-family: var(--font-head); list-style: none; display: flex; justify-content: space-between; gap: 1rem; color: var(--navy-900); }
details.faq summary::after { content: '+'; font-size: 1.4rem; color: var(--emerald); transition: transform .3s; }
details.faq[open] summary::after { transform: rotate(45deg); }
details.faq p { margin-top: .8rem; color: var(--muted); }

/* Page header */
.page-hero { background: radial-gradient(ellipse at 80% 0%, hsla(158,72%,42%,.25), transparent 55%), var(--navy-950); color: var(--white); padding: 9rem 0 4.5rem; text-align: center; }
.page-hero h1 { color: var(--white); font-size: clamp(2.2rem, 4.5vw, 3.4rem); margin: 1rem auto; max-width: 900px; }
.page-hero p { color: hsla(0,0%,100%,.7); max-width: 680px; margin: 0 auto; }
.page-hero .eyebrow { background: hsla(158,72%,42%,.15); color: var(--emerald-light); }
.breadcrumb { font-size: .85rem; color: hsla(0,0%,100%,.55); margin-bottom: .5rem; }
.breadcrumb a:hover { color: var(--emerald-light); }

/* Article / prose */
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 3.5rem; align-items: start; }
.prose { background: var(--white); border-radius: 24px; padding: clamp(1.5rem, 4vw, 3.5rem); border: 1px solid var(--line); }
.prose > * + * { margin-top: 1.2rem; }
.prose h2 { font-size: 1.7rem; margin-top: 2.6rem; padding-top: .5rem; }
.prose h3 { font-size: 1.3rem; margin-top: 2rem; }
.prose p, .prose li { color: hsl(222, 20%, 28%); }
.prose ul, .prose ol { padding-left: 1.4rem; }
.prose li + li { margin-top: .5rem; }
.prose a { color: var(--emerald); text-decoration: underline; text-underline-offset: 3px; }
.prose strong { color: var(--navy-900); }
.prose blockquote { border-left: 4px solid var(--emerald); background: hsla(158,72%,42%,.07); padding: 1.2rem 1.5rem; border-radius: 0 14px 14px 0; font-style: italic; }
.prose table { width: 100%; border-collapse: collapse; font-size: .95rem; overflow: hidden; border-radius: 12px; }
.prose th { background: var(--navy-900); color: var(--white); text-align: left; padding: .8rem 1rem; font-family: var(--font-head); font-weight: 600; }
.prose td { padding: .8rem 1rem; border-bottom: 1px solid var(--line); }
.prose tr:nth-child(even) td { background: var(--bg); }
.prose .lead { font-size: 1.2rem; color: var(--ink); }
.callout { border-radius: 16px; padding: 1.3rem 1.5rem; background: hsla(42,92%,58%,.12); border: 1px solid hsla(42,92%,58%,.4); }
.callout.tip { background: hsla(158,72%,42%,.08); border-color: hsla(158,72%,42%,.35); }
.callout strong:first-child { display: block; margin-bottom: .3rem; }
.article-meta { display: flex; gap: 1.5rem; justify-content: center; flex-wrap: wrap; font-size: .9rem; color: hsla(0,0%,100%,.65); margin-top: 1.4rem; }
.toc { position: sticky; top: 100px; }
.sidebar-box { background: var(--white); border: 1px solid var(--line); border-radius: 18px; padding: 1.5rem; margin-bottom: 1.5rem; }
.sidebar-box h4 { font-size: 1rem; margin-bottom: 1rem; }
.sidebar-box ul { list-style: none; }
.sidebar-box li { padding: .45rem 0; border-bottom: 1px dashed var(--line); font-size: .92rem; }
.sidebar-box li:last-child { border: 0; }
.sidebar-box a:hover { color: var(--emerald); }
.sidebar-cta { background: var(--navy-900); color: var(--white); border: 0; }
.sidebar-cta h4 { color: var(--white); }
.sidebar-cta p { font-size: .9rem; color: hsla(0,0%,100%,.7); margin-bottom: 1rem; }
.author-box { display: flex; gap: 1rem; align-items: center; margin-top: 2.5rem; padding-top: 2rem; border-top: 1px solid var(--line); }
.disclaimer { font-size: .85rem; color: var(--muted); background: var(--bg); padding: 1rem 1.2rem; border-radius: 12px; }
.ad-slot { min-height: 0; margin: 2rem 0; }

/* CTA */
.cta { background: var(--grad); border-radius: 28px; padding: 4rem; text-align: center; color: var(--white); position: relative; overflow: hidden; }
.cta h2 { color: var(--white); font-size: clamp(1.8rem, 3.5vw, 2.6rem); margin-bottom: 1rem; }
.cta p { opacity: .9; max-width: 600px; margin: 0 auto 2rem; }
.cta .btn { background: var(--white); color: var(--navy-900); }
.cta .btn:hover { transform: translateY(-3px); }

/* Footer */
.site-footer { background: var(--navy-950); color: hsla(0,0%,100%,.65); padding: 5rem 0 2rem; font-size: .93rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 3rem; }
.site-footer h4 { color: var(--white); font-size: 1rem; margin-bottom: 1.2rem; }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: .6rem; }
.site-footer a:hover { color: var(--emerald-light); }
.footer-bottom { border-top: 1px solid hsla(0,0%,100%,.1); margin-top: 3.5rem; padding-top: 2rem; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 1rem; font-size: .85rem; }

/* WhatsApp + cookies */
.wa-float { position: fixed; right: 1.4rem; bottom: 1.4rem; width: 60px; height: 60px; border-radius: 50%; background: #25d366; display: grid; place-items: center; box-shadow: 0 10px 30px -6px rgba(37,211,102,.6); z-index: 90; transition: transform .25s; }
.wa-float:hover { transform: scale(1.1); }
.wa-float svg { width: 32px; height: 32px; fill: #fff; }
.cookie { position: fixed; left: 1.4rem; bottom: 1.4rem; max-width: 420px; background: var(--white); border-radius: 18px; padding: 1.4rem; box-shadow: var(--shadow-lg); z-index: 95; font-size: .9rem; display: none; border: 1px solid var(--line); }
.cookie.show { display: block; animation: up .4s ease; }
.cookie p { color: var(--muted); margin-bottom: 1rem; }
.cookie a { color: var(--emerald); text-decoration: underline; }
.cookie .btns { display: flex; gap: .6rem; }
.cookie .btn { padding: .6rem 1.2rem; font-size: .85rem; }
@keyframes up { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: none; } }

/* Reveal */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .8s ease, transform .8s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } .calc-card { animation: none; } }

/* Responsive */
@media (max-width: 980px) {
  .hero-grid, .article-layout { grid-template-columns: 1fr; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .toc { position: static; }
  .nav-toggle { display: block; }
  .nav-links { position: fixed; inset: 70px 4% auto 4%; flex-direction: column; background: var(--navy-900); padding: 2rem; border-radius: 20px; gap: 1.2rem; display: none; box-shadow: var(--shadow-lg); }
  .nav-links.open { display: flex; }
}
@media (max-width: 620px) {
  .grid-3, .grid-4, .grid-2, .form-grid, .footer-grid { grid-template-columns: 1fr; }
  .section { padding: 4rem 0; }
  .cta { padding: 2.5rem 1.5rem; }
  .form-card { padding: 1.6rem; }
}