:root{
  --primary:#0a8f5c;
  --primary-dark:#066b45;
  --primary-light:#e6f6ef;
  --accent:#0b6e4f;
  --text:#1b2430;
  --text-muted:#5b6472;
  --bg:#f7f9f8;
  --card-bg:#ffffff;
  --border:#e3e8e6;
  --danger:#c0392b;
  --whatsapp:#25D366;
  --radius:14px;
  --shadow:0 10px 30px rgba(16,40,30,.08);
  font-size:16px;
}
*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.5}
h1,h2,h3{line-height:1.2;margin:0 0 .5em}
p{margin:0 0 1em}
a{color:var(--primary-dark)}
.container{max-width:1160px;margin:0 auto;padding:0 20px}

/* header */
.site-header{position:sticky;top:0;background:#fff;border-bottom:1px solid var(--border);z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{font-weight:800;font-size:1.3rem;color:var(--text);text-decoration:none}
.logo span{color:var(--primary)}
.main-nav{display:none;gap:28px}
.main-nav a{color:var(--text);text-decoration:none;font-size:.95rem}
.main-nav a:hover{color:var(--primary)}
@media(min-width:900px){.main-nav{display:flex}}
.header-cta{white-space:nowrap}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 22px;border-radius:999px;font-weight:700;font-size:.95rem;text-decoration:none;border:none;cursor:pointer;transition:transform .15s ease, box-shadow .15s ease}
.btn:active{transform:scale(.98)}
.btn-primary{background:var(--primary);color:#fff;box-shadow:0 6px 16px rgba(10,143,92,.35)}
.btn-primary:hover{background:var(--primary-dark)}
.btn-ghost{background:var(--primary-light);color:var(--primary-dark)}
.btn-link{background:transparent;color:var(--text-muted);padding:12px 10px}
.btn-block{display:flex;width:100%}
.btn-whatsapp{background:var(--whatsapp);color:#fff;margin-top:10px}
.btn[disabled]{opacity:.6;cursor:not-allowed}

/* hero */
.hero{padding:48px 0 64px}
.hero-grid{display:grid;grid-template-columns:1fr;gap:36px;align-items:start}
@media(min-width:960px){.hero-grid{grid-template-columns:1.05fr .95fr}}
.badge{display:inline-block;background:var(--primary-light);color:var(--primary-dark);padding:6px 14px;border-radius:999px;font-size:.8rem;font-weight:700;margin-bottom:14px}
.hero-copy h1{font-size:2.4rem}
.hero-copy p{color:var(--text-muted);font-size:1.05rem}
.hero-points{list-style:none;padding:0;margin:0 0 18px}
.hero-points li{padding-left:26px;position:relative;margin-bottom:8px;font-weight:600}
.hero-points li::before{content:"✓";position:absolute;left:0;color:var(--primary);font-weight:800}
.fine-print{font-size:.82rem;color:var(--text-muted)}

/* simulator card */
.simulator-card{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;border:1px solid var(--border)}
.sim-steps{display:flex;gap:8px;margin-bottom:20px}
.sim-steps .step{width:28px;height:28px;border-radius:50%;background:var(--border);color:var(--text-muted);display:flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:700;flex:none}
.sim-steps .step.active{background:var(--primary);color:#fff}
.sim-steps .step.done{background:var(--primary-dark);color:#fff}
.sim-panel h3{font-size:1.15rem;margin-bottom:16px}
.field{margin-bottom:14px}
.field label{display:block;font-size:.85rem;font-weight:700;margin-bottom:6px;color:var(--text)}
.field input,.field select{width:100%;padding:11px 13px;border:1px solid var(--border);border-radius:10px;font-size:.95rem;background:#fff;color:var(--text)}
.field input:focus,.field select:focus{outline:2px solid var(--primary);outline-offset:1px}
.field-row{display:flex;gap:12px}
.field-row .field{flex:1;min-width:0}
.field-small{max-width:90px}
.field-grow{flex:2}
.field-actions{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-top:8px}
.hp-field{position:absolute;left:-9999px;top:-9999px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* formulário único de captação (envia direto pro WhatsApp, sem etapas) */
.lead-banner{background:#f2994a;color:#fff;text-align:center;font-weight:800;font-size:.82rem;letter-spacing:.02em;padding:11px 16px;border-radius:calc(var(--radius) - 1px) calc(var(--radius) - 1px) 0 0;margin:-26px -26px 22px}
.lead-card .lead-title{display:flex;align-items:center;gap:10px;margin-bottom:4px}
.lead-card .lead-title .lead-emoji{font-size:1.7rem}
.lead-card .lead-title h3{font-size:1.3rem;margin:0;color:var(--primary-dark)}
.lead-card .sim-sub{color:var(--text)}
.lead-card .field input,.lead-card .field select{border-radius:999px;padding:13px 18px}
.lead-card select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235b6472' stroke-width='2' fill='none' fill-rule='evenodd'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 18px center;padding-right:36px}
.lead-card .consent{font-size:.78rem;color:var(--text-muted);margin-top:14px;margin-bottom:0;text-align:center}
.lead-card .consent a{color:var(--primary)}
.lead-card .consent label{display:inline-flex;align-items:flex-start;gap:6px;cursor:pointer;text-align:left}
.lead-card .consent input[type="checkbox"]{margin-top:2px;flex-shrink:0}

/* abas: simular no site x simular pelo whatsapp */
.sim-tabs{display:flex;gap:8px;margin-bottom:20px}
.sim-tab{flex:1;padding:10px 8px;border-radius:999px;border:1px solid var(--border);background:#fff;font-weight:700;font-size:.82rem;cursor:pointer;color:var(--text-muted);transition:background .15s ease,color .15s ease}
.sim-tab.active{background:var(--primary);color:#fff;border-color:var(--primary)}
.sim-mode[hidden]{display:none}

.result-limite{background:var(--primary-light);border-radius:10px;padding:14px;margin-bottom:14px;font-size:.9rem}
.result-limite strong{display:block;font-size:1.3rem;color:var(--primary-dark)}
.valor-display{text-align:center;font-weight:800;font-size:1.4rem;margin-top:6px;color:var(--primary-dark)}
.result-parcelas{margin-top:16px;display:grid;gap:8px}
.parcela-opt{border:1px solid var(--border);border-radius:10px;padding:12px 14px;display:flex;justify-content:space-between;align-items:center;cursor:pointer;background:#fff}
.parcela-opt:hover{border-color:var(--primary)}
.parcela-opt.selected{border-color:var(--primary);background:var(--primary-light)}
.parcela-opt .prazo{font-weight:700}
.parcela-opt .valor{color:var(--primary-dark);font-weight:800}

.loader{width:38px;height:38px;border:4px solid var(--border);border-top-color:var(--primary);border-radius:50%;margin:20px auto;animation:spin 1s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.loading-text{text-align:center;color:var(--text-muted)}
.error-text{color:var(--danger);text-align:center;font-weight:600}

/* beneficios */
.beneficios,.como-funciona,.depoimentos,.faq,.explicacao{padding:60px 0}
.beneficios h2,.como-funciona h2,.depoimentos h2,.faq h2,.explicacao h2{text-align:center;font-size:1.8rem;margin-bottom:34px}
/* seção "O que é o empréstimo de luz?" (ver index.html) — parágrafo único,
   texto centralizado e com largura confortável de leitura. */
.explicacao{background:#fff}
.explicacao p{max-width:760px;margin:0 auto;text-align:center;color:var(--text-muted);font-size:1.02rem;line-height:1.7}
.explicacao strong{color:var(--text)}
.cards-grid{display:grid;grid-template-columns:1fr;gap:18px}
@media(min-width:700px){.cards-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.cards-grid{grid-template-columns:repeat(4,1fr)}}
.benef-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px;text-align:center;transition:box-shadow .15s ease,transform .15s ease}
.benef-card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.benef-icon{display:flex;align-items:center;justify-content:center;width:52px;height:52px;margin:0 auto 14px;border-radius:14px;background:var(--primary-light);color:var(--primary-dark)}
.benef-icon svg{width:26px;height:26px}
.benef-card h3{font-size:1.05rem}
.benef-card p{color:var(--text-muted);font-size:.92rem;margin:0}

.como-funciona{background:#fff}
.steps-list{list-style:none;padding:0;margin:0;display:grid;gap:16px;grid-template-columns:1fr}
@media(min-width:900px){.steps-list{grid-template-columns:repeat(4,1fr)}}
.steps-list li{background:var(--bg);border-radius:var(--radius);padding:20px;border:1px solid var(--border)}
.steps-list strong{display:block;color:var(--primary-dark);margin-bottom:6px}
.steps-list span{color:var(--text-muted);font-size:.92rem}

.reviews-grid{display:grid;gap:16px;grid-template-columns:1fr}
@media(min-width:800px){.reviews-grid{grid-template-columns:repeat(3,1fr)}}
.reviews-grid blockquote{margin:0;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:20px;font-style:italic;color:var(--text)}
.reviews-grid cite{display:block;margin-top:10px;font-style:normal;font-weight:700;font-size:.85rem;color:var(--text-muted)}
.trust-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px;text-align:center}
.trust-icon{display:flex;align-items:center;justify-content:center;width:52px;height:52px;margin:0 auto 14px;border-radius:14px;background:var(--primary-light);color:var(--primary-dark)}
.trust-icon svg{width:26px;height:26px}
.trust-card h3{font-size:1.05rem}
.trust-card p{color:var(--text-muted);font-size:.92rem;margin:0}

.faq{background:#fff}
.faq details{border:1px solid var(--border);border-radius:10px;padding:14px 16px;margin-bottom:10px}
.faq summary{font-weight:700;cursor:pointer}
.faq p{margin:10px 0 0;color:var(--text-muted)}

/* footer */
.site-footer{background:#101a15;color:#c8d2cb;padding:44px 0 24px;font-size:.85rem}
.legal-text{color:#95a49b;max-width:900px}
.footer-cols{display:grid;gap:20px;grid-template-columns:1fr;margin:24px 0}
@media(min-width:700px){.footer-cols{grid-template-columns:repeat(3,1fr)}}
.footer-cols strong{display:block;color:#fff;margin-bottom:6px}
.footer-cols a{color:#c8d2cb;text-decoration:none}
.copyright{color:#6d7a71;margin:0}

.whatsapp-float{position:fixed;bottom:22px;right:22px;background:var(--whatsapp);color:#fff;width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.6rem;text-decoration:none;box-shadow:0 8px 20px rgba(0,0,0,.25);z-index:60}