/* ===========================
       RESET & BASE
    =========================== */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body {
      font-family: 'DM Sans', sans-serif;
      background: #fff;
      color: #1a1a1a;
      overflow-x: hidden;
    }
    h1, h2, h3, h4, h5 { font-family: 'Montserrat', sans-serif; }
    a { text-decoration: none; color: inherit; }
    img { max-width: 100%; display: block; }

    /* ===========================
       CSS VARIABLES
    =========================== */
    :root {
      --purple: #5B2A8C;
      --purple-dark: #3A1758;
      --purple-deep: #1F0A33;
      --purple-light: #E8DCF5;
      --purple-mid: #7E4BA8;
      --purple-lilac: #C9B3E8;
      --accent-green: #5BA046;
      --gray: #c2c2c2;
      --gray-light: #f0f0f0;
      --white: #ffffff;
      --text-dark: #1a1a1a;
      --text-mid: #555;
      --text-light: #888;
      --radius: 16px;
      --radius-sm: 10px;
      --shadow: 0 4px 24px rgba(91,42,140,0.10);
      --shadow-lg: 0 12px 48px rgba(91,42,140,0.18);
    }

    /* ===========================
       DECORATIVE ELEMENTS
    =========================== */
    .dot-pattern {
      position: absolute;
      width: 160px;
      height: 120px;
      background-image: radial-gradient(circle, rgba(255,255,255,0.35) 1.5px, transparent 1.5px);
      background-size: 18px 18px;
      pointer-events: none;
    }
    .dot-pattern.purple {
      background-image: radial-gradient(circle, rgba(91,42,140,0.25) 1.5px, transparent 1.5px);
    }

    /* ===========================
       NAVIGATION
    =========================== */
    nav {
      position: fixed;
      top: 0; left: 0; right: 0;
      z-index: 100;
      padding: 15px 60px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      background: #fff;
      box-shadow: 0 1px 0 rgba(0,0,0,0.06), 0 6px 24px rgba(0,0,0,0.05);
      transition: box-shadow 0.3s;
    }
    nav.scrolled { box-shadow: 0 1px 0 rgba(0,0,0,0.06), 0 10px 30px rgba(0,0,0,0.09); }

    .nav-logo { display: flex; align-items: center; }
    .nav-logo svg { height: 32px; width: auto; }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 34px;
      list-style: none;
    }
    .nav-link {
      font-family: 'DM Sans', sans-serif;
      font-size: 15px;
      font-weight: 600;
      color: var(--text-dark);
      transition: color 0.2s;
    }
    .nav-link:hover { color: var(--purple); }

    .nav-cta {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 10px 20px;
      border-radius: 999px;
      background: #fff;
      border: 1.5px solid var(--purple-deep);
      font-family: 'Montserrat', sans-serif;
      font-size: 14px;
      font-weight: 700;
      color: var(--purple-deep);
      cursor: pointer;
      transition: all 0.2s;
      text-decoration: none;
    }
    .nav-cta svg { width: 16px; height: 16px; flex-shrink: 0; }
    .nav-cta:hover { background: var(--purple); border-color: var(--purple); color: #fff; }

    /* ===========================
       HERO
    =========================== */
    #hero {
      min-height: 100vh;
      background:
        radial-gradient(ellipse at 75% 50%, rgba(0,0,0,0.55) 0%, transparent 60%),
        linear-gradient(120deg, #3A1758 0%, #2A0F44 50%, #0F0419 100%);
      display: flex;
      align-items: center;
      position: relative;
      overflow: hidden;
      padding: 120px 40px 80px;
    }
    .hero-curves,
    .cta-curves {
      position: absolute;
      inset: 0;
      width: 100%;
      height: 100%;
      pointer-events: none;
      opacity: 0.6;
    }
    .hero-noise,
    .cta-noise {
      position: absolute;
      inset: 0;
      pointer-events: none;
      opacity: 0.08;
      mix-blend-mode: overlay;
      background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='200' height='200'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/></filter><rect width='100%25' height='100%25' filter='url(%23n)'/></svg>");
    }
    .hero-dot-1 { top: 60px; right: 80px; }
    .hero-dot-2 { bottom: 100px; left: 40px; opacity: 0.4; }

    .hero-wave {
      position: absolute;
      bottom: -2px; left: 0; right: 0;
    }

    .hero-inner {
      max-width: 1200px;
      margin: 0 auto;
      width: 100%;
      display: grid;
      grid-template-columns: 1fr 420px;
      gap: 60px;
      align-items: center;
      position: relative;
      z-index: 2;
    }

    .hero-invest-label {
      font-size: 12px;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.12em;
      color: rgba(255,255,255,0.55);
      margin-bottom: 12px;
    }

    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: rgba(255,255,255,0.15);
      border: 1px solid rgba(255,255,255,0.3);
      border-radius: 999px;
      padding: 6px 16px;
      font-size: 13px;
      font-weight: 600;
      color: #fff;
      margin-bottom: 24px;
      letter-spacing: 0.04em;
      text-transform: uppercase;
    }
    .hero-badge::before {
      content: '';
      width: 8px; height: 8px;
      border-radius: 50%;
      background: #4ade80;
      animation: pulse 2s infinite;
    }
    @keyframes pulse {
      0%, 100% { opacity: 1; transform: scale(1); }
      50% { opacity: 0.6; transform: scale(1.3); }
    }

    .hero-title {
      font-size: clamp(34px, 4.8vw, 56px);
      font-weight: 700;
      color: #fff;
      line-height: 1.12;
      margin-bottom: 20px;
    }
    .hero-title .highlight {
      background: rgba(255,255,255,0.2);
      border-radius: 8px;
      padding: 2px 10px;
      display: inline-block;
    }

    .hero-sub {
      font-size: 18px;
      color: rgba(255,255,255,0.85);
      line-height: 1.6;
      margin-bottom: 36px;
      max-width: 520px;
    }

    .hero-numbers {
      display: flex;
      gap: 32px;
      flex-wrap: wrap;
    }
    .hero-number-value {
      font-family: 'Montserrat', sans-serif;
      font-size: 30px;
      font-weight: 700;
      color: #fff;
      line-height: 1;
    }
    .hero-number-label {
      font-size: 13px;
      color: rgba(255,255,255,0.7);
      margin-top: 4px;
      font-weight: 500;
    }
    .hero-number-divider {
      width: 1px;
      background: rgba(255,255,255,0.25);
      align-self: stretch;
    }

    /* FORM CARD */
    .hero-form-card {
      background: #fff;
      border-radius: 24px;
      padding: 36px 32px;
      box-shadow: 0 24px 64px rgba(0,0,0,0.25);
      position: relative;
    }
    .form-card-tag {
      display: inline-block;
      background: var(--purple-light);
      color: var(--purple);
      font-size: 12px;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.06em;
      padding: 4px 12px;
      border-radius: 999px;
      margin-bottom: 12px;
    }
    .form-card-title {
      font-size: 22px;
      font-weight: 700;
      color: var(--text-dark);
      margin-bottom: 6px;
      line-height: 1.3;
    }
    .form-card-sub {
      font-size: 14px;
      color: var(--text-mid);
      margin-bottom: 24px;
      line-height: 1.5;
    }
    .form-card-sub strong { color: var(--purple); }

    .form-group { margin-bottom: 14px; }
    .form-group label {
      display: block;
      font-size: 12px;
      font-weight: 600;
      color: var(--text-mid);
      text-transform: uppercase;
      letter-spacing: 0.04em;
      margin-bottom: 6px;
    }
    .form-group input,
    .form-group select,
    .form-group textarea {
      width: 100%;
      padding: 13px 16px;
      border: 1.5px solid #e5e5e5;
      border-radius: var(--radius-sm);
      font-family: 'DM Sans', sans-serif;
      font-size: 15px;
      color: var(--text-dark);
      background: #fafafa;
      transition: border-color 0.2s, box-shadow 0.2s;
      outline: none;
      appearance: none;
    }
    .form-group textarea { resize: vertical; min-height: 110px; line-height: 1.5; }
    .form-group input:focus,
    .form-group select:focus,
    .form-group textarea:focus {
      border-color: var(--purple);
      box-shadow: 0 0 0 3px rgba(91,42,140,0.12);
      background: #fff;
    }

    .btn-primary {
      width: 100%;
      padding: 16px;
      background: var(--purple);
      color: #fff;
      border: none;
      border-radius: var(--radius-sm);
      font-family: 'Montserrat', sans-serif;
      font-size: 15px;
      font-weight: 700;
      cursor: pointer;
      transition: all 0.2s;
      margin-top: 6px;
      letter-spacing: 0.02em;
    }
    .btn-primary:hover {
      background: var(--purple-dark);
      transform: translateY(-1px);
      box-shadow: 0 6px 20px rgba(91,42,140,0.35);
    }
    .form-disclaimer {
      font-size: 11px;
      color: var(--text-light);
      text-align: center;
      margin-top: 12px;
      line-height: 1.5;
    }

    /* ===========================
       SECTION COMMON
    =========================== */
    section { padding: 88px 40px; }
    .container { max-width: 1200px; margin: 0 auto; }
    .section-label {
      font-size: 12px;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.1em;
      color: var(--purple);
      margin-bottom: 12px;
    }
    .section-title {
      font-size: clamp(26px, 3.2vw, 40px);
      font-weight: 700;
      line-height: 1.2;
      color: var(--text-dark);
      margin-bottom: 16px;
    }
    .section-title em { font-style: normal; color: var(--purple); }
    .section-sub {
      font-size: 17px;
      color: var(--text-mid);
      line-height: 1.65;
      max-width: 640px;
    }

    /* ===========================
       STATS BAR
    =========================== */
    #stats {
      background: #F0F0F0;
      padding: 48px 40px;
    }
    .stats-grid {
      max-width: 1100px;
      margin: 0 auto;
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 0;
    }
    .stat-item {
      text-align: center;
      padding: 16px 24px;
      border-right: 1px solid rgba(58,23,88,0.15);
    }
    .stat-item:last-child { border-right: none; }
    .stat-value {
      font-family: 'Montserrat', sans-serif;
      font-size: 38px;
      font-weight: 700;
      color: var(--purple-dark);
      line-height: 1;
    }
    .stat-label {
      font-size: 14px;
      color: var(--text-mid);
      margin-top: 6px;
      font-weight: 500;
    }

    /* ===========================
       DIFERENCIAIS
    =========================== */
    #diferenciais { background: #fff; }
    .diferenciais-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 24px;
      margin-top: 48px;
    }
    .diferencial-card {
      border: 1.5px solid rgba(91,42,140,0.15);
      border-radius: var(--radius);
      padding: 36px 30px;
      position: relative;
      overflow: hidden;
      transition: all 0.3s;
    }
    .diferencial-card:hover {
      border-color: var(--purple);
      box-shadow: var(--shadow-lg);
      transform: translateY(-4px);
    }
    .diferencial-card.featured {
      background: linear-gradient(135deg, #3A1758 0%, #5B2A8C 60%, #1F0A33 100%);
      border-color: var(--purple);
    }
    .diferencial-card.featured .diferencial-title { color: #fff; }
    .diferencial-card.featured .diferencial-desc { color: rgba(255,255,255,0.85); }
    .diferencial-card.featured .diferencial-tag { background: rgba(255,255,255,0.2); color: #fff; }
    .diferencial-card.featured .diferencial-icon-wrap { background: rgba(255,255,255,0.2); }
    .diferencial-card.featured .diferencial-icon-wrap svg path,
    .diferencial-card.featured .diferencial-icon-wrap svg rect,
    .diferencial-card.featured .diferencial-icon-wrap svg circle { stroke: #fff; }

    .diferencial-icon-wrap {
      width: 52px; height: 52px;
      border-radius: 12px;
      background: var(--purple-light);
      display: flex; align-items: center; justify-content: center;
      margin-bottom: 20px;
    }
    .diferencial-icon-wrap svg { width: 28px; height: 28px; }
    .diferencial-tag {
      display: inline-block;
      background: var(--purple-light);
      color: var(--purple);
      font-size: 11px;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.06em;
      padding: 4px 10px;
      border-radius: 999px;
      margin-bottom: 14px;
    }
    .diferencial-title {
      font-size: 19px;
      font-weight: 700;
      color: var(--text-dark);
      margin-bottom: 12px;
      line-height: 1.3;
    }
    .diferencial-desc {
      font-size: 15px;
      color: var(--text-mid);
      line-height: 1.65;
    }
    .vs-badge {
      position: absolute;
      top: 20px; right: 20px;
      background: #22c55e;
      color: #fff;
      font-size: 11px;
      font-weight: 700;
      padding: 4px 10px;
      border-radius: 999px;
      text-transform: uppercase;
    }


    /* ===========================
       MODAL WHATSAPP CTA
    =========================== */
    .modal-overlay {
      display: none;
      position: fixed;
      inset: 0;
      background: rgba(10, 5, 30, 0.60);
      backdrop-filter: blur(4px);
      z-index: 999;
      align-items: center;
      justify-content: center;
      padding: 20px;
    }
    .modal-overlay.open { display: flex; }
    .modal-box {
      background: #fff;
      border-radius: 24px;
      padding: 40px 36px 32px;
      max-width: 460px;
      width: 100%;
      position: relative;
      box-shadow: 0 32px 80px rgba(91,42,140,0.25);
      animation: modalIn 0.25s ease;
    }
    @keyframes modalIn {
      from { opacity: 0; transform: scale(0.94) translateY(16px); }
      to   { opacity: 1; transform: scale(1) translateY(0); }
    }
    .modal-close {
      position: absolute;
      top: 16px; right: 16px;
      width: 32px; height: 32px;
      border: none;
      background: var(--gray-light);
      border-radius: 50%;
      cursor: pointer;
      display: flex; align-items: center; justify-content: center;
      color: var(--text-mid);
      font-size: 18px;
      transition: background 0.2s;
    }
    .modal-close:hover { background: #e0e0e0; }
    .modal-badge {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      background: var(--purple-light);
      color: var(--purple);
      font-size: 11px;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.06em;
      padding: 4px 12px;
      border-radius: 999px;
      margin-bottom: 12px;
    }
    .modal-badge::before {
      content: '';
      width: 7px; height: 7px;
      border-radius: 50%;
      background: #4ade80;
    }
    .modal-title {
      font-family: 'Montserrat', sans-serif;
      font-size: 22px;
      font-weight: 700;
      color: var(--text-dark);
      line-height: 1.3;
      margin-bottom: 6px;
    }
    .modal-sub {
      font-size: 14px;
      color: var(--text-mid);
      line-height: 1.55;
      margin-bottom: 24px;
    }
    .modal-sub strong { color: var(--purple); }
    .modal-group { margin-bottom: 14px; }
    .modal-group label {
      display: block;
      font-size: 11px;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.04em;
      color: var(--text-mid);
      margin-bottom: 6px;
    }
    .modal-group input,
    .modal-group select {
      width: 100%;
      padding: 12px 14px;
      border: 1.5px solid #e5e5e5;
      border-radius: var(--radius-sm);
      font-family: 'DM Sans', sans-serif;
      font-size: 15px;
      color: var(--text-dark);
      background: #fafafa;
      outline: none;
      transition: border-color 0.2s, box-shadow 0.2s;
      appearance: none;
    }
    .modal-group input:focus,
    .modal-group select:focus {
      border-color: var(--purple);
      box-shadow: 0 0 0 3px rgba(91,42,140,0.12);
      background: #fff;
    }
    .modal-btn {
      width: 100%;
      padding: 15px;
      background: var(--purple);
      color: #fff;
      border: none;
      border-radius: var(--radius-sm);
      font-family: 'Montserrat', sans-serif;
      font-size: 15px;
      font-weight: 700;
      cursor: pointer;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 10px;
      margin-top: 6px;
      transition: all 0.2s;
      letter-spacing: 0.02em;
    }
    .modal-btn:hover { background: #1ebe5a; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(37,211,102,0.35); }
    .modal-disclaimer {
      font-size: 11px;
      color: var(--text-light);
      text-align: center;
      margin-top: 12px;
      line-height: 1.5;
    }
    /* ===========================
       COMPARATIVO DE ATIVOS
    =========================== */
    #comparativo {
      background: linear-gradient(180deg, #f8f4ff 0%, #fff 100%);
      position: relative;
      overflow: hidden;
    }
    .comparativo-intro {
      margin-bottom: 48px;
    }
    .comparativo-intro .section-sub {
      max-width: 100%;
      margin-top: 28px;
      margin-bottom: 0;
    }
    .comparativo-cards {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 28px;
      align-items: stretch;
      max-width: 980px;
      margin: 0 auto;
    }
    .comp-card {
      border-radius: 24px;
      overflow: hidden;
      border: 1.5px solid rgba(0,0,0,0.08);
      transition: all 0.35s ease;
      background: #fff;
      box-shadow: 0 4px 24px rgba(0,0,0,0.06);
      display: flex;
      flex-direction: column;
    }
    .comp-card:hover {
      transform: translateY(-8px);
      box-shadow: 0 20px 60px rgba(0,0,0,0.12);
    }
    .comp-card.targa-card {
      border-color: var(--purple-dark);
      box-shadow: 0 20px 60px rgba(91,42,140,0.18);
    }
    .comp-card.targa-card:hover {
      transform: translateY(-8px);
      box-shadow: 0 32px 80px rgba(91,42,140,0.28);
    }
    .comp-visual {
      height: 164px;
      display: flex;
      align-items: center;
      justify-content: center;
      position: relative;
      overflow: hidden;
    }
    .comp-visual.imovel {
      background: linear-gradient(140deg, #e8d5b7 0%, #c09050 100%);
    }
    .comp-visual.fii {
      background: linear-gradient(140deg, #b8d4e8 0%, #5078aa 100%);
    }
    .comp-visual.targa-vis {
      background: linear-gradient(135deg, #3A1758 0%, #5B2A8C 55%, #1F0A33 100%);
    }
    .comp-best-tag {
      position: absolute;
      top: 14px; right: 14px;
      background: #22c55e;
      color: #fff;
      font-size: 11px;
      font-weight: 700;
      letter-spacing: 0.05em;
      text-transform: uppercase;
      padding: 4px 10px;
      border-radius: 999px;
    }
    .comp-body {
      padding: 28px 28px 32px;
      flex: 1;
      display: flex;
      flex-direction: column;
    }
    .comp-asset-type {
      font-size: 11px;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.1em;
      color: var(--text-light);
      margin-bottom: 6px;
    }
    .comp-card.targa-card .comp-asset-type { color: var(--purple); }
    .comp-asset-name {
      font-size: 20px;
      font-weight: 700;
      color: var(--text-dark);
      margin-bottom: 22px;
      line-height: 1.2;
    }
    .comp-card.targa-card .comp-asset-name { color: var(--purple-dark); }
    .comp-return-label {
      font-size: 12px;
      color: var(--text-light);
      text-transform: uppercase;
      letter-spacing: 0.06em;
      font-weight: 600;
      margin-bottom: 6px;
    }
    .comp-return-value {
      font-family: 'Montserrat', sans-serif;
      font-size: 34px;
      font-weight: 700;
      color: var(--text-dark);
      line-height: 1;
      margin-bottom: 4px;
    }
    .comp-card.targa-card .comp-return-value {
      color: var(--accent-green);
      font-size: 40px;
    }
    .comp-return-rate {
      font-size: 14px;
      color: var(--text-mid);
      font-weight: 600;
      margin-bottom: 20px;
    }
    .comp-card.targa-card .comp-return-rate { color: var(--purple); }
    .comp-divider {
      height: 1px;
      background: #f0f0f0;
      margin-bottom: 18px;
    }
    .comp-pros { list-style: none; }
    .comp-pro {
      font-size: 13px;
      color: var(--text-mid);
      line-height: 1.6;
      padding: 3px 0;
      display: flex;
      align-items: flex-start;
      gap: 8px;
    }
    .comp-pro-check {
      flex-shrink: 0;
      margin-top: 2px;
      color: var(--text-light);
      font-weight: 700;
      font-size: 12px;
    }
    .comp-card.targa-card .comp-pro-check { color: var(--accent-green); }
    .comp-card.targa-card .comp-pro { font-weight: 500; }
    .comp-note {
      text-align: justify;
      font-size: 14px;
      color: var(--text-mid);
      margin-top: 44px;
      line-height: 1.6;
      max-width: 980px;
      margin-left: auto;
      margin-right: auto;
    }

    /* ===========================
       FLYWHEEL — COMO A CONTA FECHA
    =========================== */
    #flywheel {
      background: #fff;
      position: relative;
      overflow: hidden;
      border-top: 1px solid #f0f0f0;
    }
    .flywheel-header { margin-bottom: 60px; }

    .flywheel-steps {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 36px;
      position: relative;
    }
    .flywheel-step {
      background: #fff;
      border-radius: var(--radius);
      padding: 28px 14px;
      margin: 0;
      position: relative;
      text-align: center;
      box-shadow: var(--shadow);
      border: 1.5px solid rgba(91,42,140,0.08);
    }
    .flywheel-arrow {
      position: absolute;
      right: -28px;
      top: 50%;
      transform: translateY(-50%);
      z-index: 2;
      color: var(--purple);
    }
    .flywheel-step:last-child .flywheel-arrow { display: none; }

    .step-number {
      width: 36px; height: 36px;
      border-radius: 50%;
      background: var(--purple);
      color: #fff;
      font-family: 'Montserrat', sans-serif;
      font-weight: 700;
      font-size: 15px;
      display: flex;
      align-items: center;
      justify-content: center;
      margin: 0 auto 16px;
    }
    .step-icon {
      width: 52px; height: 52px;
      margin: 0 auto 16px;
      display: flex;
      align-items: center;
      justify-content: center;
    }
    .step-icon svg { width: 44px; height: 44px; }
    .flywheel-bottom-png {
      width: 44px;
      height: 44px;
      object-fit: contain;
      flex-shrink: 0;
      /* Colorir o ícone no roxo do site (era branco sobre o card escuro) */
      filter: brightness(0) invert(24%) sepia(55%) saturate(1800%) hue-rotate(252deg) brightness(95%);
    }
    .step-title {
      font-size: 15px;
      font-weight: 700;
      color: var(--text-dark);
      margin-bottom: 10px;
    }
    .step-desc {
      font-size: 14px;
      color: var(--text-mid);
      line-height: 1.6;
      text-align: left;
    }

    .flywheel-bottom {
      margin-top: 48px;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 24px;
    }
    .flywheel-bottom-icon {
      flex-shrink: 0;
      width: 48px; height: 48px;
      display: flex; align-items: center; justify-content: center;
    }
    .flywheel-bottom-icon svg { width: 40px; height: 40px; }
    .flywheel-bottom-text { color: var(--text-mid); }
    .flywheel-bottom-title {
      font-family: 'Montserrat', sans-serif;
      font-size: 18px;
      font-weight: 700;
      margin-bottom: 6px;
      color: var(--text-dark);
    }
    .flywheel-bottom-desc { font-size: 15px; line-height: 1.5; }

    /* ===========================
       PRODUTO — SIMULE SEU INVESTIMENTO
    =========================== */
    #produto {
      background: linear-gradient(135deg, #f8f4ff 0%, #f0f0f0 100%);
      position: relative;
      overflow: hidden;
    }
    .produto-header { margin-bottom: 48px; }
    .produto-header .section-title { font-size: clamp(26px, 3.2vw, 40px); }
    .produto-header .section-sub { max-width: 100%; text-align: left; }

    .produto-sim-grid {
      display: grid;
      grid-template-columns: 380px 1fr;
      gap: 40px;
      align-items: stretch;
    }
    .produto-sim-left {
      background: #fff;
      border-radius: var(--radius);
      padding: 36px 32px;
      box-shadow: var(--shadow);
      border: 1.5px solid rgba(91,42,140,0.1);
      display: flex;
      flex-direction: column;
    }
    .produto-sim-right {
      background: #fff;
      border-radius: var(--radius);
      padding: 36px 32px;
      box-shadow: var(--shadow);
      border: 1.5px solid rgba(91,42,140,0.1);
      display: flex;
      flex-direction: column;
      min-width: 0;
      overflow: hidden;
    }
    .sim-panel-title {
      font-family: 'Montserrat', sans-serif;
      font-size: 17px;
      font-weight: 700;
      color: var(--text-dark);
      margin-bottom: 24px;
    }
    .simulador-input-group { margin-bottom: 20px; }
    .simulador-input-group label {
      font-size: 12px;
      font-weight: 600;
      text-transform: uppercase;
      letter-spacing: 0.04em;
      color: var(--text-mid);
      display: block;
      margin-bottom: 8px;
    }
    .simulador-input {
      width: 100%;
      padding: 14px 16px;
      border: 1.5px solid #e5e5e5;
      border-radius: var(--radius-sm);
      font-family: 'Montserrat', sans-serif;
      font-size: 18px;
      font-weight: 700;
      color: var(--text-dark);
      background: var(--gray-light);
      outline: none;
      transition: border-color 0.2s;
    }
    .simulador-input:focus { border-color: var(--purple); background: #fff; }

    .sim-results {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 12px;
      margin-bottom: 20px;
    }
    .sim-result-box {
      background: var(--purple-light);
      border-radius: var(--radius-sm);
      padding: 16px 18px;
      border: 1.5px solid rgba(91,42,140,0.15);
    }
    .sim-result-box.total-box {
      grid-column: span 2;
      background: linear-gradient(135deg, #3A1758 0%, #5B2A8C 100%);
      border-color: transparent;
    }
    .sim-result-label {
      font-size: 11px;
      font-weight: 600;
      color: var(--purple);
      text-transform: uppercase;
      letter-spacing: 0.04em;
      margin-bottom: 6px;
    }
    .sim-result-box.total-box .sim-result-label { color: rgba(255,255,255,0.75); }
    .sim-result-value {
      font-family: 'Montserrat', sans-serif;
      font-size: 22px;
      font-weight: 700;
      color: var(--purple);
      line-height: 1;
    }
    .sim-result-box.total-box .sim-result-value {
      color: #fff;
      font-size: 24px;
    }
    .sim-result-value-secondary {
      font-size: 18px !important;
      color: rgba(255,255,255,0.85) !important;
    }
    .sim-result-sub {
      font-size: 11px;
      color: var(--purple);
      opacity: 0.65;
      margin-top: 3px;
    }
    .sim-result-box.total-box .sim-result-sub { color: rgba(255,255,255,0.7); opacity: 1; }
    .sim-total-divider { height: 1px; background: rgba(255,255,255,0.2); margin: 10px 0; }
    .sim-result-label-secondary { font-size: 10px; font-weight: 600; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 4px; }

    .sim-cta {
      display: block;
      width: 100%;
      padding: 15px;
      background: var(--purple);
      color: #fff;
      border: none;
      border-radius: var(--radius-sm);
      font-family: 'Montserrat', sans-serif;
      font-size: 14px;
      font-weight: 700;
      cursor: pointer;
      text-align: center;
      transition: all 0.2s;
      margin-bottom: 14px;
      letter-spacing: 0.02em;
    }
    .sim-cta:hover {
      background: var(--purple-dark);
      transform: translateY(-1px);
      box-shadow: 0 6px 20px rgba(91,42,140,0.35);
    }
    .sim-note {
      font-size: 11px;
      color: var(--text-light);
      line-height: 1.6;
    }

    .chart-col-title {
      font-family: 'Montserrat', sans-serif;
      font-size: 17px;
      font-weight: 700;
      color: var(--text-dark);
      margin-bottom: 4px;
    }
    .chart-col-sub {
      font-size: 13px;
      color: var(--text-mid);
      margin-bottom: 24px;
      line-height: 1.5;
    }
    .chart-wrap {
      border-radius: var(--radius-sm);
      background: #fafafa;
      padding: 16px;
      border: 1.5px solid #f0f0f0;
      flex: 1;
      min-width: 0;
      overflow: hidden;
    }

    /* ===========================
       SOBRE A TARGA
    =========================== */
    #equipe { background: #fff; position: relative; overflow: hidden; }
    .sobre-intro {
      margin-bottom: 56px;
    }
    .sobre-intro .section-sub {
      max-width: 100%;
    }
    .parceiros-grid {
      display: grid;
      grid-template-columns: repeat(5, 1fr);
      gap: 16px;
      padding-top: 52px;
      align-items: stretch;
    }
    .parceiro-card {
      position: relative;
      border: 1.5px solid rgba(91,42,140,0.10);
      border-radius: var(--radius);
      padding: 56px 14px 20px;
      text-align: center;
      background: #fff;
      box-shadow: 0 2px 14px rgba(0,0,0,0.06);
      transition: all 0.3s;
      display: flex;
      flex-direction: column;
    }
    .parceiro-card:hover {
      border-color: rgba(91,42,140,0.28);
      box-shadow: 0 6px 24px rgba(91,42,140,0.12);
      transform: translateY(-4px);
    }
    .parceiro-photo {
      position: absolute;
      top: -44px;
      left: 50%;
      transform: translateX(-50%);
      width: 88px;
      height: 88px;
      border-radius: 50%;
      overflow: hidden;
      border: 3px solid #fff;
      box-shadow: 0 4px 16px rgba(91,42,140,0.22);
      background: linear-gradient(135deg, #7E4BA8 0%, #3A1758 100%);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 26px;
      font-weight: 800;
      color: #fff;
      font-family: 'Montserrat', sans-serif;
      letter-spacing: -0.5px;
    }
    .parceiro-photo img {
      position: absolute;
      inset: 0;
      width: 100%;
      height: 100%;
      object-fit: cover;
      object-position: top center;
    }
    .parceiro-name {
      font-size: 13px;
      font-weight: 700;
      color: var(--text-dark);
      margin-bottom: 3px;
      line-height: 1.3;
    }
    .parceiro-role {
      font-size: 10px;
      font-weight: 700;
      color: var(--purple);
      text-transform: uppercase;
      letter-spacing: 0.07em;
      margin-bottom: 12px;
    }
    .parceiro-logos {
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      flex-wrap: wrap;
      padding: 10px 4px;
      border-top: 1px solid rgba(91,42,140,0.08);
      border-bottom: 1px solid rgba(91,42,140,0.08);
      margin-bottom: 12px;
      min-height: 46px;
    }
    .parceiro-logo-img {
      height: 24px;
      max-width: 72px;
      object-fit: contain;
      opacity: 0.8;
      transition: opacity 0.2s;
    }
    .parceiro-logo-img:hover { opacity: 1; }
    .parceiro-bio {
      font-size: 11.5px;
      color: var(--text-mid);
      line-height: 1.55;
      text-align: justify;
      flex: 1;
    }
    @media (max-width: 900px) {
      .parceiros-grid { grid-template-columns: repeat(3, 1fr); padding-top: 52px; }
    }
    @media (max-width: 600px) {
      .parceiros-grid { grid-template-columns: repeat(2, 1fr); }
    }

    /* ===========================
       PARCEIROS MARQUEE
    =========================== */
    #parceiros {
      background: #fff;
      padding: 64px 0;
      /* Mesma linha divisória usada entre "Quem somos" e "Segurança" */
      border-top: 1px solid #f0f0f0;
      border-bottom: 1px solid #f0f0f0;
    }
    #parceiros .section-label {
      text-align: left;
      padding-left: clamp(20px, 4vw, 40px);
      margin-bottom: 36px;
    }
    .marquee-wrapper {
      position: relative;
      overflow: hidden;
      border-radius: 12px;
    }
    /* fade edges dentro do container */
    .marquee-wrapper::before,
    .marquee-wrapper::after {
      content: '';
      position: absolute;
      top: 0;
      bottom: 0;
      width: 80px;
      z-index: 2;
      pointer-events: none;
    }
    .marquee-wrapper::before {
      left: 0;
      background: linear-gradient(to right, #fff 0%, transparent 100%);
    }
    .marquee-wrapper::after {
      right: 0;
      background: linear-gradient(to left, #fff 0%, transparent 100%);
    }
    .marquee-track {
      display: flex;
      align-items: center;
      gap: 72px;
      width: max-content;
      padding: 8px 0;
      animation: marquee-scroll 30s linear infinite;
    }
    /* sem pausa no hover */
    @keyframes marquee-scroll {
      from { transform: translateX(0); }
      to   { transform: translateX(-50%); }
    }
    .marquee-logo {
      flex-shrink: 0;
      height: 44px;
      width: auto;
      max-width: 140px;
      object-fit: contain;
      mix-blend-mode: multiply;
      opacity: 0.85;
    }

    /* ===========================
       FAQ
    =========================== */
    #faq { background: #fff; }
    .faq-grid {
      display: grid;
      grid-template-columns: 1fr;
      gap: 12px;
      margin-top: 48px;
    }
    .faq-item {
      border: 1.5px solid #ececec;
      border-radius: var(--radius);
      overflow: hidden;
    }
    .faq-question {
      padding: 22px 24px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      cursor: pointer;
      font-size: 15px;
      font-weight: 600;
      color: var(--text-dark);
      background: #fff;
      transition: background 0.2s;
      user-select: none;
    }
    .faq-question:hover { background: var(--gray-light); }
    .faq-question.active { color: var(--purple); }
    .faq-icon {
      width: 28px; height: 28px;
      border-radius: 50%;
      background: var(--purple-light);
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
      transition: transform 0.3s, background 0.2s;
    }
    .faq-icon svg { width: 12px; height: 12px; transition: stroke 0.2s; }
    .faq-icon svg line { stroke: var(--purple); stroke-width: 2; stroke-linecap: round; transition: stroke 0.2s; }
    .faq-question.active .faq-icon { transform: rotate(45deg); background: var(--purple); }
    .faq-question.active .faq-icon svg line { stroke: #fff; }
    .faq-answer {
      padding: 0 24px;
      max-height: 0;
      overflow: hidden;
      transition: max-height 0.4s ease, padding 0.3s;
      font-size: 14px;
      color: var(--text-mid);
      line-height: 1.7;
    }
    .faq-answer.open {
      max-height: 350px;
      padding: 0 24px 20px;
    }

    .faq-cta {
      margin-top: 48px;
      text-align: center;
    }
    .btn-outline {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      padding: 16px 32px;
      border: 2px solid var(--purple);
      color: var(--purple);
      border-radius: 999px;
      font-family: 'Montserrat', sans-serif;
      font-size: 15px;
      font-weight: 700;
      cursor: pointer;
      transition: all 0.2s;
      background: transparent;
    }
    .btn-outline:hover { background: var(--purple); color: #fff; }

    /* ===========================
       CTA FINAL
    =========================== */
    #cta-final {
      background:
        radial-gradient(ellipse at 75% 50%, rgba(0,0,0,0.5) 0%, transparent 60%),
        linear-gradient(120deg, #3A1758 0%, #2A0F44 50%, #0F0419 100%);
      padding: 100px 40px;
      text-align: center;
      position: relative;
      overflow: hidden;
    }
    #cta-final .container { position: relative; z-index: 2; }
    .cta-final-title {
      font-size: clamp(28px, 3.5vw, 46px);
      font-weight: 700;
      color: #fff;
      margin-bottom: 16px;
      line-height: 1.2;
    }
    .cta-final-title .cta-rate {
      display: inline-block;
      background: rgba(255,255,255,0.18);
      border-radius: 10px;
      padding: 2px 14px;
      font-size: 1.15em;
    }
    .cta-final-sub {
      font-size: 18px;
      color: rgba(255,255,255,0.8);
      margin-bottom: 40px;
      max-width: 560px;
      margin-left: auto;
      margin-right: auto;
      line-height: 1.6;
    }
    .btn-white {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      padding: 18px 40px;
      background: #fff;
      color: var(--purple);
      border: none;
      border-radius: 999px;
      font-family: 'Montserrat', sans-serif;
      font-size: 16px;
      font-weight: 700;
      cursor: pointer;
      transition: all 0.2s;
      text-decoration: none;
    }
    .btn-white:hover {
      transform: translateY(-2px);
      box-shadow: 0 10px 32px rgba(0,0,0,0.2);
    }

    /* ===========================
       FOOTER
    =========================== */
    footer {
      background: #000;
      color: #fff;
      padding: 60px 40px 0;
      position: relative;
      overflow: hidden;
    }
    footer .container { position: relative; z-index: 2; }
    .footer-top {
      display: grid;
      grid-template-columns: 1.5fr 1fr 1fr 1fr;
      gap: 48px;
      padding-top: 40px;
      padding-bottom: 48px;
      border-top: 1px solid rgba(255,255,255,0.1);
    }
    .footer-logo { margin-bottom: 16px; }
    .footer-brand-desc {
      font-size: 14px;
      color: rgba(255,255,255,0.55);
      line-height: 1.65;
    }
    .footer-socials {
      display: flex;
      gap: 10px;
      margin-top: 20px;
    }
    .footer-social-link {
      width: 36px; height: 36px;
      border-radius: 50%;
      background: rgba(255,255,255,0.08);
      display: flex;
      align-items: center;
      justify-content: center;
      transition: background 0.2s;
      color: #fff;
    }
    .footer-social-link svg { width: 16px; height: 16px; }
    .footer-social-link:hover { background: var(--purple); }
    .footer-col-title {
      font-size: 13px;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.08em;
      color: rgba(255,255,255,0.4);
      margin-bottom: 20px;
    }
    .footer-links { list-style: none; }
    .footer-links li { margin-bottom: 12px; }
    .footer-links a {
      font-size: 14px;
      color: rgba(255,255,255,0.65);
      transition: color 0.2s;
    }
    .footer-links a:hover { color: #fff; }
    .footer-contact p {
      font-size: 14px;
      color: rgba(255,255,255,0.65);
      margin-bottom: 10px;
      display: flex;
      align-items: flex-start;
      gap: 8px;
    }
    .footer-contact-icon {
      flex-shrink: 0;
      margin-top: 2px;
      width: 16px; height: 16px;
    }
    .footer-contact-icon svg { width: 16px; height: 16px; }

    .footer-bacen {
      padding: 0 0 32px;
      text-align: center;
    }
    .footer-bacen img {
      height: 104px;
      width: auto;
      filter: brightness(0) invert(1);
      opacity: 0.75;
      margin: 0 auto;
      /* corta a barra inferior do brasão */
      clip-path: inset(0 0 10% 0);
    }
    .footer-disclaimer {
      padding: 0 0 40px;
      font-size: 13px;
      color: rgba(255,255,255,0.3);
      line-height: 1.8;
      text-align: justify;
    }
    .footer-disclaimer a { color: rgba(255,255,255,0.4); text-decoration: underline; }
    .footer-disclaimer a:hover { color: rgba(255,255,255,0.7); }

    /* ===========================
       RESPONSIVE
    =========================== */
    @media (max-width: 1024px) {
      .hero-inner { grid-template-columns: 1fr; gap: 48px; }
      .hero-form-card { max-width: 480px; }
      .stats-grid { grid-template-columns: repeat(2, 1fr); }
      .stat-item:nth-child(2) { border-right: none; }
      .flywheel-steps { grid-template-columns: repeat(2, 1fr); }
      .flywheel-step:nth-child(2) .flywheel-arrow { display: none; }
      .comparativo-cards { grid-template-columns: 1fr; max-width: 400px; }
      .comp-card.targa-card { transform: none; }
      .produto-sim-grid { grid-template-columns: 1fr; }
      .parceiros-grid { grid-template-columns: repeat(3, 1fr); }
      .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
    }

    @media (max-width: 768px) {
      nav { padding: 16px 20px; }
      .nav-links { display: none; }
      section { padding: 64px 20px; }
      #hero { padding: 100px 20px 60px; }
      #stats { padding: 40px 20px; }
      .stats-grid { grid-template-columns: repeat(2, 1fr); }
      .stat-item { padding: 12px 16px; }
      .stat-value { font-size: 28px; }
      .flywheel-steps { grid-template-columns: 1fr; }
      .flywheel-arrow { display: none !important; }
      .diferenciais-grid { grid-template-columns: 1fr; }
      .comparativo-cards { max-width: 340px; }
      /* faq-grid already 1 col */
      .footer-top { grid-template-columns: 1fr; gap: 32px; }
      .hero-numbers { gap: 20px; }
      .sim-results { grid-template-columns: 1fr; }
      .sim-result-box.total-box { grid-column: span 1; }
      .parceiros-grid { grid-template-columns: repeat(2, 1fr); }
    }

    /* ===========================
       LOGO SWITCHING (nav scroll)
    =========================== */
    /* Usar seletores de alta especificidade para evitar conflito com .nav-logo img */
    .nav-logo .logo-light { display: none;  }
    .nav-logo .logo-dark  { display: block; }
    /* Height sem display: block — o display é controlado pelas regras acima */
    .nav-logo img { height: 36px; width: auto; }

    /* ===========================
       COMP-VISUAL PHOTO
    =========================== */
    .comp-visual.fii-photo {
      background: #0a1628;
      overflow: hidden;
      padding: 0;
    }
    .comp-visual.fii-photo img {
      width: 100%;
      height: 100%;
      object-fit: cover;
      opacity: 0.75;
      display: block;
    }
    /* Logo na card Targa: centralizado, tamanho generoso */
    .comp-visual.targa-vis {
      display: flex;
      align-items: center;
      justify-content: center;
    }
    .comp-visual.targa-vis .targa-logo-img {
      width: 72%;
      height: auto;
      display: block;
      position: relative;
      z-index: 2;
    }
    /* Footer: logo um pouco maior que a nav */
    .footer-logo img {
      height: 42px;
      width: auto;
      display: block;
    }

    /* =========================================================
       INSTITUCIONAL — adições para o site multi-página
       ========================================================= */

    /* ---------- NAV: wrapper, estado ativo e menu mobile ---------- */
    .nav-menu {
      display: flex;
      align-items: center;
      gap: 32px;
    }
    .nav-link.active { color: var(--purple); }
    .nav-link.active::after {
      content: "";
      display: block;
      height: 2px;
      width: 100%;
      margin-top: 4px;
      border-radius: 2px;
      background: currentColor;
      opacity: 0.7;
    }
    .nav-toggle {
      display: none;
      flex-direction: column;
      gap: 5px;
      background: none;
      border: none;
      cursor: pointer;
      padding: 8px;
    }
    .nav-toggle span {
      display: block;
      width: 24px;
      height: 2px;
      border-radius: 2px;
      background: var(--purple-dark);
      transition: background 0.2s;
    }

    @media (max-width: 768px) {
      .nav-toggle { display: flex; }
      .nav-menu {
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        flex-direction: column;
        align-items: stretch;
        gap: 0;
        background: #fff;
        box-shadow: 0 16px 40px rgba(0,0,0,0.12);
        border-top: 1px solid #eee;
        padding: 8px 20px 20px;
        display: none;
      }
      nav.menu-open .nav-menu { display: flex; }
      .nav-menu .nav-links {
        display: flex;
        flex-direction: column;
        align-items: stretch;
        gap: 0;
        width: 100%;
      }
      .nav-menu .nav-link {
        color: var(--text-dark);
        padding: 15px 4px;
        border-bottom: 1px solid #f1f1f1;
      }
      .nav-menu .nav-link.active { color: var(--purple); }
      .nav-menu .nav-link.active::after { display: none; }
      .nav-menu .nav-cta {
        margin-top: 16px;
        justify-content: center;
      }
    }

    /* ---------- HERO INSTITUCIONAL (Home, Sobre, Contato) ---------- */
    .page-hero {
      position: relative;
      background:
        radial-gradient(ellipse at 72% 28%, rgba(126,75,168,0.40) 0%, transparent 60%),
        linear-gradient(120deg, #3A1758 0%, #2A0F44 50%, #0F0419 100%);
      color: #fff;
      padding: 168px 40px 104px;
      overflow: hidden;
      text-align: center;
    }
    .page-hero.compact { padding: 150px 40px 80px; }
    .page-hero .container { position: relative; z-index: 2; max-width: 880px; }
    .page-hero-eyebrow {
      display: inline-block;
      font-family: 'DM Sans', sans-serif;
      font-size: 12px;
      font-weight: 600;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--purple-lilac);
      background: rgba(255,255,255,0.08);
      border: 1px solid rgba(255,255,255,0.18);
      padding: 7px 16px;
      border-radius: 999px;
      margin-bottom: 24px;
    }
    .page-hero-title {
      font-family: 'Montserrat', sans-serif;
      font-size: clamp(34px, 5vw, 60px);
      font-weight: 800;
      line-height: 1.08;
      letter-spacing: -0.01em;
    }
    .page-hero-title em { font-style: normal; color: var(--purple-lilac); }
    .page-hero-sub {
      font-size: clamp(17px, 2vw, 21px);
      color: rgba(255,255,255,0.82);
      line-height: 1.6;
      max-width: 660px;
      margin: 22px auto 0;
    }
    .hero-cta-row {
      display: flex;
      gap: 16px;
      justify-content: center;
      flex-wrap: wrap;
      margin-top: 38px;
    }
    .page-hero .dot-pattern { z-index: 1; }

    .btn-ghost {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      padding: 18px 36px;
      border-radius: 999px;
      border: 2px solid rgba(255,255,255,0.55);
      color: #fff;
      background: transparent;
      font-family: 'Montserrat', sans-serif;
      font-size: 16px;
      font-weight: 700;
      cursor: pointer;
      transition: all 0.2s;
      text-decoration: none;
    }
    .btn-ghost:hover { background: rgba(255,255,255,0.12); border-color: #fff; transform: translateY(-2px); }

    /* ---------- HOME: pilares (estilo Nubank) ---------- */
    .pillars {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 28px;
      margin-top: 52px;
    }
    .pillar-card {
      display: flex;
      flex-direction: column;
      background: #fff;
      border: 1px solid #eee;
      border-radius: var(--radius);
      padding: 36px 30px;
      box-shadow: var(--shadow);
      transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
    }
    .pillar-card:hover {
      transform: translateY(-5px);
      box-shadow: var(--shadow-lg);
      border-color: var(--purple-light);
    }
    .pillar-icon {
      width: 56px;
      height: 56px;
      border-radius: 14px;
      background: var(--purple-light);
      display: flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 22px;
    }
    .pillar-title {
      font-family: 'Montserrat', sans-serif;
      font-size: 21px;
      font-weight: 700;
      color: var(--text-dark);
      margin-bottom: 10px;
    }
    .pillar-desc { color: var(--text-mid); line-height: 1.6; font-size: 15px; flex: 1; }
    .pillar-link {
      margin-top: 22px;
      display: inline-flex;
      align-items: center;
      gap: 8px;
      color: var(--purple);
      font-family: 'Montserrat', sans-serif;
      font-weight: 700;
      font-size: 15px;
    }
    .pillar-link svg { transition: transform 0.2s; }
    .pillar-card:hover .pillar-link svg { transform: translateX(4px); }

    /* ---------- CONTATO ---------- */
    .contato-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 44px;
      align-items: start;
    }
    .contato-info .section-title { font-size: clamp(24px, 2.6vw, 32px); }
    .contato-detail {
      display: flex;
      gap: 16px;
      align-items: flex-start;
      margin-top: 26px;
    }
    .contato-detail-icon {
      flex-shrink: 0;
      width: 46px;
      height: 46px;
      border-radius: 12px;
      background: var(--purple-light);
      color: var(--purple);
      display: flex;
      align-items: center;
      justify-content: center;
    }
    .contato-detail-icon svg { width: 20px; height: 20px; }
    .contato-detail-label {
      font-family: 'Montserrat', sans-serif;
      font-weight: 700;
      font-size: 15px;
      color: var(--text-dark);
      margin-bottom: 3px;
    }
    .contato-detail-value { color: var(--text-mid); font-size: 15px; line-height: 1.5; }
    .contato-detail-value a { color: var(--purple); }
    .contato-form-card {
      background: #fff;
      border: 1px solid #eee;
      border-radius: var(--radius);
      padding: 38px;
      box-shadow: var(--shadow-lg);
    }
    .contato-form-card .form-card-title { font-size: 22px; margin-bottom: 6px; }
    .contato-socials { display: flex; gap: 12px; margin-top: 30px; }
    .contato-socials a {
      width: 44px;
      height: 44px;
      border-radius: 12px;
      border: 1px solid var(--purple-light);
      color: var(--purple);
      display: flex;
      align-items: center;
      justify-content: center;
      transition: all 0.2s;
    }
    .contato-socials a:hover { background: var(--purple); color: #fff; border-color: var(--purple); }
    .contato-socials svg { width: 20px; height: 20px; }

    /* ---------- Responsivo institucional ---------- */
    @media (max-width: 900px) {
      .pillars { grid-template-columns: 1fr; max-width: 460px; margin-left: auto; margin-right: auto; }
      .contato-grid { grid-template-columns: 1fr; gap: 36px; }
    }
    @media (max-width: 600px) {
      .page-hero { padding: 130px 20px 72px; }
      .contato-form-card { padding: 28px 22px; }
    }

    /* =========================================================
       HOME REVOLUT-STYLE — hero em 2 colunas + app animado
       ========================================================= */
    .hero-home {
      padding: 150px 40px 90px;
      background: #2A0F44;
    }
    /* Foto ancorada à direita com fade suave na borda esquerda (mask),
       eliminando a linha de divisão entre a imagem e o roxo */
    .hero-home::before {
      content: "";
      position: absolute;
      top: 0; right: 0;
      height: 100%;
      aspect-ratio: 1920 / 1440;
      max-width: 100%;
      background: url('hero-porsche.jpg') right center / cover no-repeat;
      -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 42%);
              mask-image: linear-gradient(90deg, transparent 0%, #000 42%);
      z-index: 0;
    }
    /* Variante da página "Para você": foto do investidor (retrato) no lugar do carro */
    .hero-investidor::before {
      background-image: url('hero-investidor.jpg');
      aspect-ratio: 1 / 1;
      /* Faixa de transição mais curta: a foto aparece sólida mais cedo */
      -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 26%);
              mask-image: linear-gradient(90deg, transparent 0%, #000 26%);
    }
    /* Variante da página "Conteúdo": phone mockup no lugar da foto do carro */
    .hero-conteudo::before { content: none; }
    /* Degradês roxos por cima da foto: opaco à esquerda (legibilidade do texto),
       abrindo para a foto à direita, escurecendo na base para fechar com a arte do site */
    .hero-home::after {
      content: "";
      position: absolute;
      inset: 0;
      background:
        radial-gradient(ellipse at 72% 28%, rgba(126,75,168,0.28) 0%, transparent 60%),
        linear-gradient(100deg,
          #2E1149 0%,
          rgba(46,17,73,0.97) 34%,
          rgba(44,16,70,0.80) 50%,
          rgba(32,11,52,0.34) 72%,
          rgba(15,4,25,0.42) 100%),
        linear-gradient(180deg,
          rgba(42,15,68,0.48) 0%,
          rgba(36,13,58,0.14) 42%,
          rgba(15,4,25,0.80) 100%);
      z-index: 0;
      pointer-events: none;
    }
    .hero-home .hero-split {
      display: grid;
      /* Sem o mockup: texto ocupa a coluna esquerda e o carro respira à direita */
      grid-template-columns: minmax(0, 640px) 1fr;
      gap: 40px;
      align-items: center;
      min-height: 480px;
      max-width: 1180px;
      text-align: left;
    }
    .hero-home .hero-copy { position: relative; z-index: 2; }
    /* Conteúdo: coluna fixa à direita para os cards de atalho; altura única
       para os slides do carrossel não "pularem" ao trocar */
    .hero-conteudo { padding: 130px 40px 56px; }
    .hero-conteudo .hero-split { grid-template-columns: minmax(0, 600px) 420px; min-height: 400px; }
    .hero-home .page-hero-title,
    .hero-home .page-hero-sub { text-align: left; margin-left: 0; margin-right: 0; }
    .hero-home .page-hero-title {
      font-size: clamp(36px, 4.8vw, 58px);
      font-weight: 700;
      letter-spacing: -0.02em;
    }
    .hero-home .page-hero-sub {
      margin-top: 20px;
      /* Justificado até a borda direita do botão "Fale com um especialista" */
      max-width: 580px;
      font-size: clamp(16px, 1.8vw, 19px);
      color: rgba(255,255,255,0.78);
      text-align: justify;
    }
    .hero-home .hero-cta-row { justify-content: flex-start; }

    /* ---------- App / phone mockup ---------- */
    .hero-app {
      position: relative;
      display: flex;
      align-items: center;
      justify-content: center;
      min-height: 620px;
    }
    .hero-app::before {
      content: "";
      position: absolute;
      width: 400px; height: 400px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(126,75,168,0.6) 0%, rgba(126,75,168,0) 65%);
      filter: blur(30px);
      z-index: 0;
      animation: pulseGlow 7s ease-in-out infinite;
    }
    .phone {
      position: relative;
      z-index: 2;
      width: 272px; height: 573px;
      background: linear-gradient(160deg, #1c1c20 0%, #0c0c0f 45%, #101014 100%);
      border-radius: 58px;
      padding: 8px;
      box-shadow: 0 50px 100px -28px rgba(10,4,20,0.72);
      animation: floatY 6s ease-in-out infinite;
    }
    /* Aro metálico com reflexos: brilho concentrado nos cantos superiores,
       quase some no meio das laterais e reaparece suave embaixo */
    .phone::before {
      content: "";
      position: absolute;
      inset: 0;
      border-radius: inherit;
      padding: 2px;
      background: conic-gradient(from 0deg,
        rgba(255,255,255,0.55) 0%,
        rgba(255,255,255,0.85) 7%,
        rgba(255,255,255,0.12) 17%,
        rgba(255,255,255,0.04) 25%,
        rgba(255,255,255,0.10) 36%,
        rgba(255,255,255,0.40) 43%,
        rgba(255,255,255,0.28) 50%,
        rgba(255,255,255,0.40) 57%,
        rgba(255,255,255,0.10) 64%,
        rgba(255,255,255,0.04) 75%,
        rgba(255,255,255,0.12) 83%,
        rgba(255,255,255,0.85) 93%,
        rgba(255,255,255,0.55) 100%);
      -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
      -webkit-mask-composite: xor;
              mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
              mask-composite: exclude;
      pointer-events: none;
      z-index: 3;
    }
    .phone-screen {
      position: relative;
      width: 100%; height: 100%;
      border-radius: 50px;
      overflow: hidden;
      background: #000;
      box-shadow: inset 0 0 0 2px rgba(0,0,0,0.95);
    }
    /* Reflexo de vidro: luz diagonal sutil no canto superior da tela */
    .phone-screen::after {
      content: "";
      position: absolute;
      inset: 0;
      background: linear-gradient(118deg,
        rgba(255,255,255,0.10) 0%,
        rgba(255,255,255,0.03) 26%,
        transparent 46%);
      pointer-events: none;
      z-index: 6;
    }
    .app-screenshot {
      width: 100%; height: 100%;
      object-fit: cover;
      object-position: top center;
      display: block;
    }
    .phone-island {
      position: absolute;
      top: 13px; left: 50%; transform: translateX(-50%);
      width: 96px; height: 25px;
      background: #060608;
      border-radius: 999px;
      z-index: 5;
      box-shadow: 0 0 0 1px rgba(255,255,255,0.04);
    }
    .phone-btn {
      position: absolute;
      z-index: 1;
      background: linear-gradient(90deg, #38383d, #101013);
      border-radius: 3px 0 0 3px;
    }
    .btn-action   { left: -3px; top: 100px; width: 4px; height: 22px; }
    .btn-vol-up   { left: -3px; top: 138px; width: 4px; height: 42px; }
    .btn-vol-down { left: -3px; top: 189px; width: 4px; height: 42px; }
    .btn-power    { right: -3px; top: 154px; width: 4px; height: 65px; border-radius: 0 3px 3px 0; background: linear-gradient(90deg, #101013, #38383d); }

    @keyframes floatY { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-16px); } }
    @keyframes pulseGlow { 0%, 100% { opacity: 0.6; transform: scale(1); } 50% { opacity: 0.95; transform: scale(1.08); } }

    /* ---------- Seção "Quem somos" (institucional) ---------- */
    .about-split { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
    .about-copy .section-title { margin-bottom: 18px; }
    .about-copy p { color: var(--text-mid); line-height: 1.7; font-size: 16px; margin-bottom: 16px; }
    .about-copy .pillar-link { margin-top: 8px; }
    .about-highlight-col { display: flex; flex-direction: column; gap: 24px; }
    .about-highlight {
      position: relative;
      overflow: hidden;
      background: linear-gradient(150deg, #3A1758 0%, #1F0A33 100%);
      color: #fff;
      border-radius: var(--radius);
      padding: 38px;
      box-shadow: var(--shadow-lg);
    }
    .about-highlight .dot-pattern { right: -20px; top: -20px; opacity: 0.5; }
    .about-highlight h3 { font-family: 'Montserrat', sans-serif; font-size: 20px; font-weight: 700; margin-bottom: 22px; position: relative; z-index: 2; }
    .about-points { list-style: none; display: flex; flex-direction: column; gap: 18px; position: relative; z-index: 2; }
    .about-point { display: flex; gap: 13px; align-items: flex-start; }
    .about-point .ap-check { width: 28px; height: 28px; border-radius: 9px; background: rgba(255,255,255,0.12); color: var(--purple-lilac); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
    .about-point .ap-title { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 14.5px; }
    .about-point .ap-desc { font-size: 13px; color: rgba(255,255,255,0.72); line-height: 1.5; margin-top: 2px; }

    /* ---------- Seção Baixe o app ---------- */
    .app-cta {
      position: relative;
      overflow: hidden;
      background:
        radial-gradient(ellipse at 72% 28%, rgba(126,75,168,0.40) 0%, transparent 60%),
        linear-gradient(120deg, #3A1758 0%, #2A0F44 50%, #0F0419 100%);
      color: #fff;
    }
    .app-cta .container { position: relative; z-index: 2; }
    .app-cta-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 48px; align-items: center; }
    .app-cta-copy { padding-left: 28px; }
    .app-cta-phone { display: flex; justify-content: center; }
    .app-cta-label { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 16px; color: rgba(255,255,255,0.85); margin-bottom: 14px; }
    .app-cta-title { font-family: 'Montserrat', sans-serif; font-weight: 800; font-size: clamp(32px, 4.4vw, 52px); line-height: 1.06; margin-bottom: 18px; }
    .app-cta-sub { font-size: 17px; line-height: 1.6; color: rgba(255,255,255,0.85); max-width: 460px; margin-bottom: 34px; }
    .store-badges { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 16px; }
    .store-badge {
      display: inline-flex;
      align-items: center;
      gap: 11px;
      background: #fff;
      color: #1a1a1a;
      border: 1px solid rgba(0,0,0,0.08);
      border-radius: 12px;
      padding: 10px 18px;
      text-decoration: none;
      transition: transform 0.2s, box-shadow 0.2s;
    }
    .store-badge:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(0,0,0,0.22); }
    .store-badge svg { flex-shrink: 0; }
    .store-badge .sb-txt { display: flex; flex-direction: column; line-height: 1.12; text-align: left; }
    .store-badge .sb-small { font-size: 10px; color: #666; }
    .store-badge .sb-big { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 17px; }

    @media (max-width: 900px) {
      .app-cta-grid { grid-template-columns: 1fr; gap: 36px; text-align: center; justify-items: center; }
      .store-badges { justify-content: center; }
    }

    /* ---------- Seção editorial alternada (texto/imagem) — página Para você ---------- */
    #renda-fixa { background: #fff; }
    .info-row {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: clamp(40px, 6vw, 88px);
      align-items: center;
    }
    .info-row + .info-row { margin-top: 96px; }
    .info-row-img img {
      display: block;
      width: 100%;
      height: 380px;
      object-fit: cover;
      border-radius: 20px;
    }
    .info-row-title {
      font-family: 'Montserrat', sans-serif;
      font-size: clamp(22px, 2.4vw, 28px);
      font-weight: 700;
      color: var(--text-dark);
      margin-bottom: 14px;
    }
    .info-row-text { font-size: 16px; color: var(--text-mid); line-height: 1.7; }
    /* Bloco "Fale com um especialista": só texto, centralizado */
    .especialista-copy {
      max-width: 640px;
      margin: 0 auto;
      text-align: center;
      display: flex;
      flex-direction: column;
      align-items: center;
    }
    @media (max-width: 900px) {
      .info-row { grid-template-columns: 1fr; gap: 28px; }
      .info-row + .info-row { margin-top: 64px; }
      /* No empilhamento, imagem sempre acima do texto */
      .info-row .info-row-img { order: -1; }
      .info-row-img img { height: 260px; }
    }

    /* ---------- Publicações (portal institucional) — página Conteúdo ---------- */
    .pub-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 28px;
      margin-top: 52px;
    }
    .pub-card {
      display: flex;
      flex-direction: column;
      background: #fff;
      border: 1px solid #eee;
      border-radius: var(--radius);
      padding: 32px 30px;
      box-shadow: var(--shadow);
      transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
    }
    .pub-card:hover {
      transform: translateY(-5px);
      box-shadow: var(--shadow-lg);
      border-color: var(--purple-light);
    }
    .pub-meta {
      display: flex;
      align-items: center;
      gap: 12px;
      margin-bottom: 16px;
    }
    .pub-tag {
      font-family: 'DM Sans', sans-serif;
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: var(--purple);
      background: var(--purple-light);
      padding: 5px 13px;
      border-radius: 999px;
    }
    .pub-date { font-size: 13px; color: var(--text-light); }
    .pub-title {
      font-family: 'Montserrat', sans-serif;
      font-size: 19px;
      font-weight: 700;
      color: var(--text-dark);
      margin-bottom: 8px;
      line-height: 1.3;
    }
    .pub-desc { font-size: 15px; color: var(--text-mid); line-height: 1.65; flex: 1; }
    .pub-card .pillar-link { margin-top: 20px; }
    .pub-card:hover .pillar-link svg { transform: translateX(4px); }
    @media (max-width: 900px) {
      .pub-grid { grid-template-columns: 1fr; max-width: 560px; margin-left: auto; margin-right: auto; }
    }

    /* ---------- Carrossel de destaques no hero (estilo portal RI) — página Conteúdo ---------- */
    .carousel-slides { position: relative; z-index: 2; }
    .carousel-slide {
      position: absolute;
      inset: 0;
      opacity: 0;
      visibility: hidden;
      transition: opacity 0.5s ease;
    }
    .carousel-slide.is-active {
      position: relative;
      opacity: 1;
      visibility: visible;
    }
    .carousel-title {
      font-family: 'Montserrat', sans-serif;
      font-size: clamp(26px, 3.2vw, 42px);
      font-weight: 800;
      line-height: 1.12;
      letter-spacing: -0.01em;
      margin-top: 4px;
    }
    .carousel-title em { font-style: normal; color: var(--purple-lilac); }
    .carousel-text {
      margin-top: 16px;
      font-size: 16px;
      color: rgba(255,255,255,0.8);
      line-height: 1.65;
      max-width: 520px;
    }
    .carousel-slide .btn-white { margin-top: 28px; }
    .carousel-controls {
      position: relative;
      z-index: 2;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 14px;
      margin-top: 20px;
    }
    .carousel-arrow {
      display: flex;
      align-items: center;
      justify-content: center;
      width: 34px; height: 34px;
      background: none;
      border: none;
      border-radius: 50%;
      color: rgba(255,255,255,0.55);
      cursor: pointer;
      transition: color 0.2s, background 0.2s;
    }
    .carousel-arrow:hover { color: #fff; background: rgba(255,255,255,0.1); }
    .carousel-dots { display: flex; gap: 9px; }
    .carousel-dot {
      width: 9px; height: 9px;
      border-radius: 50%;
      border: none;
      padding: 0;
      background: rgba(255,255,255,0.32);
      cursor: pointer;
      transition: background 0.2s, transform 0.2s;
    }
    .carousel-dot.is-active { background: #fff; transform: scale(1.15); }
    /* Cards de atalho à direita (outline, como no portal de referência) */
    .destaques-cards { display: flex; flex-direction: column; gap: 20px; }
    .destaque-card {
      display: block;
      border: 1px solid rgba(255,255,255,0.3);
      border-radius: 14px;
      padding: 22px 24px;
      transition: background 0.2s, border-color 0.2s, transform 0.2s;
    }
    .destaque-card:hover {
      background: rgba(255,255,255,0.07);
      border-color: rgba(255,255,255,0.85);
      transform: translateY(-2px);
    }
    .destaque-card-icon { color: var(--purple-lilac); margin-bottom: 12px; }
    .destaque-card-icon svg { width: 24px; height: 24px; display: block; }
    .destaque-card-title {
      font-family: 'Montserrat', sans-serif;
      font-size: 15.5px;
      font-weight: 700;
      color: #fff;
    }
    .destaque-card-sub {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      margin-top: 6px;
      font-size: 13.5px;
      color: rgba(255,255,255,0.65);
      transition: color 0.2s;
    }
    .destaque-card:hover .destaque-card-sub { color: #fff; }
    @media (max-width: 980px) {
      .carousel-text { max-width: 100%; }
      .destaques-cards { max-width: 460px; margin: 0 auto; width: 100%; }
    }

    /* ---------- Seção Segurança (estilo Nubank) ---------- */
    .seguranca {
      position: relative;
      overflow: hidden;
      background: #fff;
      color: var(--text-dark);
      border-top: 1px solid #f0f0f0;
    }
    .seguranca .container { position: relative; z-index: 2; }
    .seguranca .dot-pattern { background-image: radial-gradient(circle, rgba(91,42,140,0.16) 1.5px, transparent 1.5px); }
    .seg-top { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 40px; align-items: center; }
    .seg-copy .section-label { color: var(--purple); }
    .seg-title {
      font-family: 'Montserrat', sans-serif;
      /* Mesmo tamanho/peso do .section-title (Quem somos) */
      font-size: clamp(26px, 3.2vw, 40px);
      font-weight: 700;
      line-height: 1.2;
      margin-bottom: 18px;
      color: var(--text-dark);
    }
    .seg-title em { font-style: normal; color: var(--purple); }
    .seg-sub { font-size: 18px; color: var(--text-mid); line-height: 1.6; max-width: 600px; }
    .seg-illustration { display: flex; justify-content: center; }
    .seg-illustration svg { width: 300px; max-width: 80%; height: auto; filter: drop-shadow(0 26px 48px rgba(91,42,140,0.28)); }

    .seg-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 32px; }
    .seg-card {
      display: flex;
      flex-direction: column;
      gap: 16px;
      background: #fff;
      border: 1px solid #eee;
      border-radius: var(--radius);
      padding: 32px;
      color: var(--text-dark);
      box-shadow: var(--shadow);
      text-decoration: none;
    }
    .seg-card-icon {
      width: 52px; height: 52px;
      border-radius: 14px;
      background: var(--purple-light);
      color: var(--purple);
      display: flex; align-items: center; justify-content: center;
      flex-shrink: 0;
    }
    .seg-card-icon svg { width: 26px; height: 26px; }
    .seg-card-title { font-family: 'Montserrat', sans-serif; font-size: 19px; font-weight: 700; line-height: 1.25; color: var(--text-dark); }
    .seg-card-desc { font-size: 14.5px; color: var(--text-mid); line-height: 1.6; margin-top: 8px; }
    .seg-card-desc p + p { margin-top: 10px; }

    @media (max-width: 980px) {
      .seg-top { grid-template-columns: 1fr; text-align: center; }
      .seg-copy .section-label,
      .seg-sub { margin-left: auto; margin-right: auto; }
      .seg-illustration { order: -1; margin-bottom: 16px; }
      .seg-cards { grid-template-columns: repeat(2, 1fr); }
    }
    @media (max-width: 560px) {
      .seg-cards { grid-template-columns: 1fr; }
    }

    /* ---------- Scroll reveal ---------- */
    .reveal { opacity: 0; transform: translateY(26px); transition: opacity 0.7s cubic-bezier(.16,1,.3,1), transform 0.7s cubic-bezier(.16,1,.3,1); }
    .reveal.is-visible { opacity: 1; transform: none; }
    .reveal.d1 { transition-delay: 0.08s; }
    .reveal.d2 { transition-delay: 0.16s; }
    .reveal.d3 { transition-delay: 0.24s; }

    /* ---------- Responsivo Home/app ---------- */
    @media (max-width: 980px) {
      .hero-home .hero-split { grid-template-columns: 1fr; gap: 8px; text-align: center; max-width: 560px; }
      .hero-home .page-hero-title, .hero-home .page-hero-sub { text-align: center; margin-left: auto; margin-right: auto; }
      .hero-home .hero-cta-row { justify-content: center; }
      .hero-app { min-height: 560px; margin-top: 24px; }
      .about-split { grid-template-columns: 1fr; gap: 36px; }
      .about-highlight { order: 2; }
    }
    @media (max-width: 600px) {
      .hero-app { transform: scale(0.9); min-height: 520px; }
    }
    @media (prefers-reduced-motion: reduce) {
      .phone, .hero-app::before { animation: none !important; }
      .reveal { transition: none; opacity: 1; transform: none; }
    }