*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Space Grotesk", Inter, sans-serif;
  color: var(--text);
  background: var(--navy);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--primary); text-decoration: none; }
a:hover { color: var(--baby); }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; }

.wrap { width: min(1140px, calc(100% - 40px)); margin: 0 auto; }

h1, h2, h3, h4 {
  font-family: "Space Grotesk", Inter, sans-serif;
  letter-spacing: -0.04em;
  font-weight: 600;
  color: var(--text);
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--primary);
  box-shadow: 0 0 12px var(--primary);
}

.section { padding: 88px 0; }
.section-alt { background: #0F172A; }
.section-navy {
  background: radial-gradient(800px 400px at 10% 0%, color-mix(in srgb, var(--primary) 16%, transparent), transparent 50%), #060A12;
  color: #fff;
}
.section-navy h2, .section-navy h3, .section-navy p, .section-navy li { color: #fff; }
.lead { font-size: 18px; color: var(--muted); max-width: 720px; }
.section-navy .lead { color: rgba(232,238,244,.78); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 46px;
  padding: 0 20px;
  border-radius: 12px;
  font-weight: 700;
  font-size: 14px;
  border: 0;
  transition: .18s ease;
}
.btn-primary { background: var(--primary); color: #042F2E; }
.btn-primary:hover { background: var(--primary-hover); color: #042F2E; }
.btn-ghost { background: transparent; color: var(--text); border: 1px solid var(--line); }
.btn-ghost:hover { border-color: var(--primary); color: var(--primary); }
.btn-light { background: #fff; color: #042F2E; }
.btn-light:hover { background: var(--baby); color: #042F2E; }
.btn-outline-white { background: transparent; color: #fff; border: 1px solid rgba(255,255,255,.3); }
.btn-outline-white:hover { background: #fff; color: #042F2E; }
.btn-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }

/* NAV flutuante */
.nav {
  position: sticky;
  top: 0;
  z-index: 50;
  padding: 14px 0 10px;
  background: linear-gradient(180deg, rgba(11,18,32,.92), rgba(11,18,32,.55) 70%, transparent);
}
.nav-shell {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 60px;
  padding: 8px 12px 8px 18px;
  background: rgba(15, 23, 42, 0.72);
  border: 1px solid var(--line);
  border-radius: 999px;
  backdrop-filter: blur(18px);
  box-shadow: 0 10px 40px rgba(0,0,0,.25);
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  font-weight: 700;
  font-size: 15px;
}
.brand img { height: 56px; width: auto; max-width: 280px; object-fit: contain; }
.brand.has-logo span { display: none; }
.brand.has-logo img { height: 56px; max-width: 280px; }
.nav-links { display: flex; align-items: center; gap: 2px; }
.nav-links a {
  color: var(--muted);
  font-size: 13px;
  font-weight: 600;
  padding: 8px 12px;
  border-radius: 999px;
}
.nav-links a:hover,
.nav-links a.featured { color: #fff; background: rgba(45, 212, 191, 0.12); }
.nav-cta { display: flex; gap: 8px; }
.hamburger {
  display: none;
  width: 42px;
  height: 42px;
  border: 1px solid var(--line);
  background: transparent;
  border-radius: 999px;
  color: #fff;
  font-size: 18px;
}
.mobile-menu {
  display: none;
  margin-top: 8px;
  padding: 12px 16px 16px;
  background: #0F172A;
  border: 1px solid var(--line);
  border-radius: 20px;
}
.mobile-menu.open { display: grid; gap: 4px; }
.mobile-menu a, .mobile-menu button {
  width: 100%;
  text-align: left;
  padding: 12px 4px;
  background: none;
  border: 0;
  color: var(--text);
  font-weight: 600;
}

.market-ticker {
  position: sticky;
  top: var(--nav-h);
  z-index: 49;
  height: var(--ticker-height);
  background: #060A12;
  border-bottom: 1px solid var(--line);
  display: flex;
  align-items: center;
  overflow: hidden;
  font-size: 11px;
  color: var(--text);
}
.market-ticker__marquee-area { position: relative; flex: 1; min-width: 0; overflow: hidden; }
.market-ticker__marquee-area::after {
  content: "";
  position: absolute;
  top: 0; right: 0;
  width: 40px; height: 100%;
  background: linear-gradient(to right, transparent, #060A12);
  pointer-events: none;
  z-index: 2;
}
.market-ticker__track {
  display: flex;
  width: max-content;
  height: 100%;
  animation: ticker-scroll var(--ticker-duration, 80s) linear infinite;
}
.market-ticker__track:hover { animation-play-state: paused; }
@keyframes ticker-scroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.market-ticker__item {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 0 14px;
  border-right: 1px solid var(--line);
  white-space: nowrap;
  flex-shrink: 0;
}
.market-ticker__label { font-weight: 700; text-transform: uppercase; color: var(--primary); }
.market-ticker__value { color: var(--muted); }
.market-ticker__change { display: inline-flex; align-items: center; gap: 3px; font-weight: 600; white-space: nowrap; }
.market-ticker__change--up { color: #34d399; }
.market-ticker__change--down { color: #fb7185; }
.market-ticker__change--flat { color: #64748b; }
.market-ticker__loading { display: flex; align-items: center; padding: 0 16px; color: #64748b; font-size: 10px; }
@media (max-width: 767px) {
  :root { --ticker-height: 38px; }
  .market-ticker { font-size: 10.5px; }
}

.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(900px 480px at 85% -10%, color-mix(in srgb, var(--primary) 22%, transparent), transparent 50%),
    var(--navy);
  color: #fff;
  padding: 72px 0 88px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 56px;
  align-items: center;
}
.hero h1 {
  color: #fff;
  font-size: clamp(34px, 5vw, 56px);
  line-height: 1.06;
  margin-bottom: 18px;
}
.hero h1 span { color: var(--primary); }
.hero p { font-size: 18px; color: rgba(232,238,244,.78); max-width: 560px; }
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 40px;
}
.stat { border-top: 1px solid var(--line); padding-top: 14px; }
.stat strong {
  display: block;
  font-size: 22px;
  color: #fff;
}
.stat span { font-size: 13px; color: var(--primary); }

.hero-panel {
  background: rgba(15, 23, 42, 0.7);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 28px;
  backdrop-filter: blur(12px);
}
.hero-panel h3 { color: #fff; font-size: 20px; margin-bottom: 18px; }
.feature-line {
  display: flex;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid var(--line);
  color: rgba(232,238,244,.88);
  font-size: 14px;
}
.feature-line i { color: var(--primary); width: 20px; text-align: center; margin-top: 2px; }
.bars { display: flex; align-items: flex-end; gap: 8px; height: 110px; margin: 8px 0 22px; }
.bars span {
  display: block;
  width: 22px;
  border-radius: 8px 8px 2px 2px;
  background: linear-gradient(180deg, var(--primary), transparent);
}
.bars span:nth-child(1) { height: 46%; }
.bars span:nth-child(2) { height: 72%; }
.bars span:nth-child(3) { height: 100%; background: var(--primary); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.prose p { margin-bottom: 14px; color: var(--muted); }
.prose li { position: relative; padding-left: 20px; margin: 8px 0; color: var(--muted); }
.prose li::before {
  content: "";
  position: absolute;
  left: 0; top: 9px;
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--primary);
}
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.card-grid.four { grid-template-columns: repeat(4, 1fr); }
.card {
  background: #0F172A;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 24px;
}
.card i {
  width: 40px; height: 40px;
  border-radius: 10px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: color-mix(in srgb, var(--primary) 16%, transparent);
  color: var(--primary);
  margin-bottom: 14px;
}
.card h3 { font-size: 18px; margin-bottom: 8px; color: #fff; }
.card p { color: var(--muted); font-size: 14px; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.step {
  background: rgba(255,255,255,.04);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 22px;
}
.step .num {
  font-size: 26px;
  font-weight: 700;
  color: var(--primary);
  display: block;
  margin-bottom: 10px;
}

.sim { display: grid; grid-template-columns: .9fr 1.1fr; gap: 40px; align-items: center; }
.sim-box {
  background: #0F172A;
  border-radius: 20px;
  padding: 28px;
  border: 1px solid var(--line);
}
.sim-box label { font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--primary); }
.sim-input {
  display: flex;
  align-items: center;
  gap: 8px;
  margin: 10px 0 22px;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 12px 14px;
  background: #0B1220;
}
.sim-input span { font-weight: 800; color: var(--primary); }
.sim-input input {
  border: 0;
  background: transparent;
  width: 100%;
  font-size: 28px;
  font-weight: 700;
  color: #fff;
  outline: none;
}
.sim-row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 14px 0;
  border-top: 1px solid var(--line);
}
.sim-row strong { display: block; color: #fff; }
.sim-row small { color: var(--muted); }
.sim-row .rate { color: var(--primary); font-weight: 800; }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.pull {
  font-size: clamp(22px, 3.4vw, 36px);
  line-height: 1.28;
  color: #fff;
  letter-spacing: -0.04em;
  max-width: 860px;
}
.pull em { color: var(--primary); font-style: normal; }
.num-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 40px; }
.num-card {
  background: #0F172A;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 28px 24px;
}
.num-card strong {
  display: block;
  font-size: clamp(26px, 4vw, 38px);
  color: var(--primary);
  letter-spacing: -0.04em;
  margin: 0 0 10px;
}
.num-card p { color: var(--muted); font-size: 14px; }
.story p { color: var(--muted); }
.contact-card {
  background: #0F172A;
  border-radius: 16px;
  padding: 24px;
  border: 1px solid var(--line);
}
.info-row { display: flex; gap: 12px; margin: 12px 0; color: var(--muted); }
.info-row i { color: var(--primary); width: 18px; text-align: center; margin-top: 3px; }

footer {
  background: #060A12;
  color: var(--muted);
  padding: 56px 0 0;
  border-top: 1px solid var(--line);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1.2fr 1.1fr;
  gap: 28px;
  padding-bottom: 36px;
}
footer h4 {
  color: #fff;
  font-size: 12px;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
footer a { color: var(--muted); font-size: 14px; }
footer a:hover { color: var(--primary); }
footer li { margin: 8px 0; }
.footer-bottom {
  border-top: 1px solid var(--line);
  padding: 18px 0 calc(18px + var(--safe-bottom));
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  font-size: 13px;
}
.social { display: flex; gap: 10px; }
.social a {
  width: 40px; height: 40px;
  border: 1px solid var(--line);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
}

/* Layout app / bento — exclusivo fintech-3 */
.hero-top { max-width: 720px; margin-bottom: 40px; }
.hero-panel-title {
  font-size: 16px;
  color: #fff;
  margin: 0 0 14px;
}
.hero-tiles {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr 1fr;
  gap: 12px;
  margin-bottom: 36px;
}
.hero-tile {
  display: flex;
  flex-direction: column;
  gap: 10px;
  background: rgba(15, 23, 42, 0.7);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 18px;
  color: rgba(232,238,244,.88);
  font-size: 13px;
}
.hero-tile i { color: var(--primary); font-size: 16px; }

.rail {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin-top: 40px;
}
.rail-item {
  padding: 0 20px 0 0;
  margin-right: 20px;
  border-right: 1px solid var(--line);
}
.rail-item:last-child { border-right: 0; margin-right: 0; }
.rail-item .num {
  display: block;
  font-size: 26px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 10px;
}
.rail-item h3 { font-size: 18px; margin-bottom: 8px; color: #fff; }
.rail-item p { color: var(--muted); font-size: 14px; }

.audience-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; }

.bento {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 16px;
  margin-top: 36px;
}
.bento-main { grid-row: span 2; }

.type-stack { margin-top: 36px; }
.type-line {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 24px;
  padding: 20px 0;
  border-top: 1px solid var(--line);
  align-items: start;
}
.type-line h3 { font-size: 18px; color: #fff; }
.type-line p { color: var(--muted); font-size: 14px; }
.success-pair {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 32px;
  padding-top: 28px;
  border-top: 1px solid var(--line);
}

.product-compact {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 36px;
}
.product-compact .card { display: flex; gap: 14px; align-items: flex-start; }
.product-compact .card i { margin-bottom: 0; flex-shrink: 0; }
.product-compact .card h3 { font-size: 16px; }

.sim-stack { display: grid; gap: 32px; }
.sim-stack .sim-box { max-width: 640px; }

.story-wide { display: grid; gap: 12px; margin-top: 36px; }
.story-wide .card { display: flex; gap: 16px; align-items: flex-start; }
.story-wide .card i { margin-bottom: 0; flex-shrink: 0; }

.compound-wide { display: grid; grid-template-columns: .9fr 1.1fr; gap: 40px; align-items: start; }
.compound-stack { display: grid; gap: 12px; }
.extra-pair { display: grid; grid-template-columns: 1.2fr .8fr; gap: 16px; margin-top: 32px; }
.invite-bleed { text-align: left; max-width: 720px; }
.about-stack { display: grid; gap: 36px; }
.about-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.ombuds-rail {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin-top: 36px;
}
.ombuds-rail article {
  padding-right: 20px;
  margin-right: 20px;
  border-right: 1px solid var(--line);
}
.ombuds-rail article:last-child { border-right: 0; margin-right: 0; }
.ombuds-rail h3 { font-size: 16px; color: #fff; margin-bottom: 8px; }
.ombuds-rail p { color: var(--muted); font-size: 14px; }

.contact-stack { display: grid; grid-template-columns: 1.1fr .9fr; gap: 40px; align-items: start; }

@media (max-width: 991px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: inline-flex; align-items: center; justify-content: center; }
  .nav-shell { border-radius: 20px; }
  .hero-grid, .split, .sim, .two-col, .footer-grid, .num-grid,
  .audience-cols, .bento, .success-pair, .product-compact, .compound-wide,
  .extra-pair, .about-pair, .contact-stack, .hero-tiles { grid-template-columns: 1fr 1fr; }
  .rail, .ombuds-rail, .type-line { grid-template-columns: 1fr; }
  .rail-item, .ombuds-rail article {
    border-right: 0;
    margin-right: 0;
    padding-right: 0;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--line);
  }
  .card-grid, .card-grid.four, .steps, .hero-stats { grid-template-columns: 1fr 1fr; }
  .section { padding: 64px 0; }
}
@media (max-width: 640px) {
  .card-grid, .card-grid.four, .steps, .hero-stats,
  .hero-tiles, .audience-cols, .bento, .success-pair, .product-compact,
  .extra-pair, .about-pair, .contact-stack { grid-template-columns: 1fr; }
  .hero { padding: 48px 0 56px; }
}