/* ==================== RESET & VARIABLES ==================== */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    /* Colors */
    --primary-color: #1e3a8a;
    --primary-light: #2563eb;
    --primary-dark: #1e40af;
    --secondary-color: #059669;
    --secondary-light: #10b981;
    --secondary-dark: #047857;
    
    --text-color: #1f2937;
    --text-light: #6b7280;
    --text-white: #ffffff;
    
    --bg-white: #ffffff;
    --bg-gray: #f9fafb;
    --bg-light: #f3f4f6;
    --bg-dark: #111827;
    
    --border-color: #e5e7eb;
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1);
    
    /* Typography */
    --font-primary: 'Inter', sans-serif;
    --font-secondary: 'Poppins', sans-serif;
    
    /* Spacing */
    --header-height: 80px;
    --section-padding: 80px 0;
    --container-max-width: 1200px;
    
    /* Transitions */
    --transition: all 0.3s ease;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-primary);
    color: var(--text-color);
    line-height: 1.6;
    overflow-x: hidden;
}

/* ==================== UTILITIES ==================== */
.container {
    max-width: var(--container-max-width);
    margin: 0 auto;
    padding: 0 20px;
}

.section__header {
    text-align: center;
    margin-bottom: 60px;
}

.section__title {
    font-family: var(--font-secondary);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 15px;
}

.section__subtitle {
    font-size: 1.1rem;
    color: var(--text-light);
    max-width: 600px;
    margin: 0 auto;
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 12px 30px;
    font-size: 1rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: 8px;
    border: none;
    cursor: pointer;
    transition: var(--transition);
    font-family: var(--font-primary);
}

.btn--primary {
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    color: var(--text-white);
    box-shadow: var(--shadow-md);
}

.btn--primary:hover {
    background: linear-gradient(135deg, var(--primary-dark), var(--primary-color));
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn--outline {
    background: transparent;
    color: var(--primary-color);
    border: 2px solid var(--primary-color);
}

.btn--outline:hover {
    background: var(--primary-color);
    color: var(--text-white);
}

.btn--white {
    background: var(--bg-white);
    color: var(--primary-color);
    box-shadow: var(--shadow-md);
}

.btn--white:hover {
    background: var(--bg-light);
    transform: translateY(-2px);
}

.btn--large {
    padding: 16px 40px;
    font-size: 1.1rem;
}

.btn--submit {
    width: 100%;
    justify-content: center;
}

/* ==================== HEADER ==================== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    background: var(--bg-white);
    box-shadow: var(--shadow-md);
    z-index: 1000;
    transition: var(--transition);
}

.nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: var(--header-height);
}

.nav__logo {
    display: flex;
    align-items: center;
    gap: 12px;
    font-family: var(--font-secondary);
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--primary-color);
}

.nav__logo i {
    font-size: 1.8rem;
    color: var(--secondary-color);
}

.nav__menu {
    display: flex;
    align-items: center;
}

.nav__list {
    display: flex;
    gap: 35px;
    list-style: none;
}

.nav__link {
    color: var(--text-color);
    text-decoration: none;
    font-weight: 500;
    transition: var(--transition);
    position: relative;
}

.nav__link::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--secondary-color);
    transition: var(--transition);
}

.nav__link:hover {
    color: var(--secondary-color);
}

.nav__link:hover::after {
    width: 100%;
}

.nav__actions {
    display: flex;
    align-items: center;
    gap: 20px;
}

.nav__toggle,
.nav__close {
    display: none;
    font-size: 1.5rem;
    cursor: pointer;
    color: var(--primary-color);
}

/* ==================== HERO SECTION ==================== */
.hero {
    position: relative;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    color: var(--text-white);
    padding: 150px 0 100px;
    overflow: hidden;
}

.hero__container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero__content {
    animation: fadeInLeft 1s ease;
}

.hero__title {
    font-family: var(--font-secondary);
    font-size: 3rem;
    font-weight: 800;
    line-height: 1.2;
    margin-bottom: 20px;
}

.hero__subtitle {
    font-size: 1.2rem;
    margin-bottom: 35px;
    opacity: 0.95;
}

.hero__subtitle strong {
    color: var(--secondary-light);
    font-weight: 700;
}

.hero__buttons {
    display: flex;
    gap: 20px;
    margin-bottom: 40px;
    flex-wrap: wrap;
}

.hero__stats {
    display: flex;
    gap: 30px;
    flex-wrap: wrap;
}

.stat {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.95rem;
}

.stat i {
    font-size: 1.5rem;
    color: var(--secondary-light);
}

.hero__image {
    display: flex;
    align-items: center;
    justify-content: center;
    animation: fadeInRight 1s ease;
}

.hero__illustration {
    width: 350px;
    height: 350px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    backdrop-filter: blur(10px);
    animation: float 3s ease-in-out infinite;
}

.hero__illustration i {
    font-size: 150px;
    opacity: 0.8;
}

.hero__wave {
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
}

.hero__wave svg {
    display: block;
}

/* ==================== BENEFITS ==================== */
.benefits {
    padding: var(--section-padding);
    background: var(--bg-white);
}

.benefits__grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
}

.benefit__card {
    background: var(--bg-white);
    padding: 35px 25px;
    border-radius: 12px;
    border: 2px solid var(--border-color);
    text-align: center;
    transition: var(--transition);
}

.benefit__card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-xl);
    border-color: var(--secondary-color);
}

.benefit__icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 20px;
    background: linear-gradient(135deg, var(--secondary-color), var(--secondary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: var(--text-white);
}

.benefit__title {
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 10px;
}

.benefit__description {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--secondary-color);
    margin-bottom: 10px;
}

.benefit__text {
    color: var(--text-light);
    font-size: 0.95rem;
}

/* ==================== HOW IT WORKS ==================== */
.how-it-works {
    padding: var(--section-padding);
    background: var(--bg-gray);
}

.steps {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 20px;
    flex-wrap: wrap;
}

.step {
    position: relative;
    flex: 1;
    min-width: 200px;
    max-width: 250px;
}

.step__number {
    position: absolute;
    top: -15px;
    left: 50%;
    transform: translateX(-50%);
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--secondary-color), var(--secondary-light));
    color: var(--text-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    box-shadow: var(--shadow-lg);
    z-index: 1;
}

.step__content {
    background: var(--bg-white);
    padding: 50px 25px 30px;
    border-radius: 12px;
    text-align: center;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.step__content:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

.step__icon {
    font-size: 3rem;
    color: var(--primary-color);
    margin-bottom: 20px;
}

.step__title {
    font-size: 1.2rem;
    font-weight: 600;
    color: var(--primary-color);
    margin-bottom: 10px;
}

.step__description {
    font-size: 0.95rem;
    color: var(--text-light);
}

.step__arrow {
    font-size: 2rem;
    color: var(--secondary-color);
    display: flex;
    align-items: center;
    justify-content: center;
}

/* ==================== FORM SECTION ==================== */
.form-section {
    padding: var(--section-padding);
    background: var(--bg-white);
}

.form__header {
    text-align: center;
    margin-bottom: 50px;
}

.form__alert {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: linear-gradient(135deg, #fef3c7, #fde68a);
    color: #92400e;
    padding: 15px 25px;
    border-radius: 8px;
    margin-top: 20px;
    font-weight: 500;
}

.form__alert i {
    font-size: 1.5rem;
}

.credit-form {
    max-width: 900px;
    margin: 0 auto;
    background: var(--bg-white);
    padding: 40px;
    border-radius: 16px;
    box-shadow: var(--shadow-xl);
    border: 2px solid var(--border-color);
}

.form__grid {
    display: grid;
    gap: 40px;
}

.form__section {
    background: var(--bg-gray);
    padding: 30px;
    border-radius: 12px;
}

.form__section-title {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 25px;
    padding-bottom: 15px;
    border-bottom: 2px solid var(--border-color);
}

.form__section-title i {
    color: var(--secondary-color);
}

.form__row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form__group {
    margin-bottom: 20px;
}

.form__label {
    display: block;
    font-weight: 600;
    color: var(--text-color);
    margin-bottom: 8px;
}

.form__input,
.form__select,
.form__textarea {
    width: 100%;
    padding: 14px 18px;
    font-size: 1rem;
    font-family: var(--font-primary);
    border: 2px solid var(--border-color);
    border-radius: 8px;
    transition: var(--transition);
    background: var(--bg-white);
}

.form__input:focus,
.form__select:focus,
.form__textarea:focus {
    outline: none;
    border-color: var(--secondary-color);
    box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.1);
}

.form__input.error,
.form__select.error {
    border-color: #ef4444;
}

.form__textarea {
    resize: vertical;
    min-height: 100px;
}

.form__footer {
    margin-top: 30px;
    padding-top: 30px;
    border-top: 2px solid var(--border-color);
}

.form__checkbox {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 25px;
}

.form__checkbox input[type="checkbox"] {
    width: 20px;
    height: 20px;
    cursor: pointer;
    accent-color: var(--secondary-color);
}

.form__checkbox label {
    font-size: 0.95rem;
    color: var(--text-color);
    cursor: pointer;
}

.form__message {
    margin-top: 20px;
    padding: 15px;
    border-radius: 8px;
    text-align: center;
    font-weight: 600;
    display: none;
}

.form__message.success {
    display: block;
    background: #d1fae5;
    color: #065f46;
}

.form__message.error {
    display: block;
    background: #fee2e2;
    color: #991b1b;
}

/* ==================== PROFILES ==================== */
.profiles {
    padding: var(--section-padding);
    background: var(--bg-gray);
}

.profiles__grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
}

.profile__card {
    background: var(--bg-white);
    padding: 30px 20px;
    border-radius: 12px;
    text-align: center;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.profile__card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    color: var(--text-white);
}

.profile__card i {
    font-size: 3rem;
    color: var(--secondary-color);
    margin-bottom: 15px;
    transition: var(--transition);
}

.profile__card:hover i {
    color: var(--text-white);
}

.profile__card h3 {
    font-size: 1.2rem;
    font-weight: 700;
    margin-bottom: 10px;
}

.profile__card p {
    font-size: 0.9rem;
    opacity: 0.9;
}

/* ==================== RATES ==================== */
.rates {
    padding: var(--section-padding);
    background: var(--bg-white);
}

.rates__grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
    margin-bottom: 50px;
}

.rate__card {
    background: var(--bg-white);
    padding: 35px 25px;
    border-radius: 12px;
    text-align: center;
    border: 2px solid var(--border-color);
    transition: var(--transition);
}

.rate__card--highlight {
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    color: var(--text-white);
    border: none;
}

.rate__card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

.rate__icon {
    font-size: 3rem;
    margin-bottom: 15px;
}

.rate__card--highlight .rate__icon {
    color: var(--text-white);
}

.rate__card:not(.rate__card--highlight) .rate__icon {
    color: var(--secondary-color);
}

.rate__title {
    font-size: 1.1rem;
    font-weight: 600;
    margin-bottom: 10px;
}

.rate__value {
    font-size: 2.5rem;
    font-weight: 800;
    font-family: var(--font-secondary);
    margin-bottom: 10px;
}

.rate__card--highlight .rate__value {
    color: var(--secondary-light);
}

.rate__card:not(.rate__card--highlight) .rate__value {
    color: var(--primary-color);
}

.rate__description {
    font-size: 0.9rem;
    opacity: 0.9;
}

.rates__info {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 25px;
}

.info__card {
    display: flex;
    gap: 20px;
    background: var(--bg-gray);
    padding: 25px;
    border-radius: 12px;
    align-items: flex-start;
}

.info__card i {
    font-size: 2.5rem;
    color: var(--secondary-color);
    flex-shrink: 0;
}

.info__card h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 5px;
}

.info__card p {
    font-size: 0.95rem;
    color: var(--text-light);
}

/* ==================== DIFFERENTIALS ==================== */
.differentials {
    padding: var(--section-padding);
    background: var(--bg-gray);
}

.differentials__list {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 30px;
}

.differential__item {
    display: flex;
    gap: 20px;
    background: var(--bg-white);
    padding: 30px;
    border-radius: 12px;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.differential__item:hover {
    transform: translateX(10px);
    box-shadow: var(--shadow-xl);
}

.differential__icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--secondary-color), var(--secondary-light));
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.differential__icon i {
    font-size: 1.8rem;
    color: var(--text-white);
}

.differential__content h3 {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 8px;
}

.differential__content p {
    font-size: 0.95rem;
    color: var(--text-light);
}

/* ==================== CTA SECTION ==================== */
.cta-section {
    padding: 80px 0;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    color: var(--text-white);
    text-align: center;
}

.cta__content h2 {
    font-size: 2.5rem;
    font-weight: 800;
    margin-bottom: 15px;
}

.cta__content p {
    font-size: 1.2rem;
    margin-bottom: 30px;
    opacity: 0.95;
}

/* ==================== FOOTER ==================== */
.footer {
    background: var(--bg-dark);
    color: var(--text-white);
    padding: 60px 0 20px;
}

.footer__content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-bottom: 40px;
}

.footer__logo {
    display: flex;
    align-items: center;
    gap: 12px;
    font-family: var(--font-secondary);
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 15px;
}

.footer__logo i {
    font-size: 1.8rem;
    color: var(--secondary-color);
}

.footer__description {
    font-size: 0.95rem;
    opacity: 0.8;
    margin-bottom: 20px;
    line-height: 1.6;
}

.footer__social {
    display: flex;
    gap: 15px;
}

.social__link {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--text-white);
    transition: var(--transition);
}

.social__link:hover {
    background: var(--secondary-color);
    transform: translateY(-3px);
}

.footer__title {
    font-size: 1.2rem;
    font-weight: 700;
    margin-bottom: 20px;
}

.footer__links {
    list-style: none;
}

.footer__links li {
    margin-bottom: 12px;
}

.footer__links a {
    color: var(--text-white);
    text-decoration: none;
    opacity: 0.8;
    transition: var(--transition);
}

.footer__links a:hover {
    opacity: 1;
    color: var(--secondary-color);
    padding-left: 5px;
}

.footer__contact {
    display: flex;
    flex-direction: column;
    gap: 15px;
}

.contact__item {
    display: flex;
    align-items: center;
    gap: 12px;
    opacity: 0.8;
}

.contact__item i {
    color: var(--secondary-color);
    font-size: 1.2rem;
}

.contact__item a {
    color: var(--text-white);
    text-decoration: none;
    transition: var(--transition);
}

.contact__item a:hover {
    color: var(--secondary-color);
}

.footer__bottom {
    padding-top: 30px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer__info {
    text-align: center;
}

.footer__info p {
    font-size: 0.9rem;
    opacity: 0.7;
    margin-bottom: 8px;
}

/* ==================== SCROLL TO TOP ==================== */
.scroll-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--secondary-color), var(--secondary-light));
    color: var(--text-white);
    border: none;
    border-radius: 50%;
    font-size: 1.5rem;
    cursor: pointer;
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    z-index: 999;
}

.scroll-top.show {
    opacity: 1;
    visibility: visible;
}

.scroll-top:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

/* ==================== ANIMATIONS ==================== */
@keyframes fadeInLeft {
    from {
        opacity: 0;
        transform: translateX(-50px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

@keyframes fadeInRight {
    from {
        opacity: 0;
        transform: translateX(50px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

@keyframes float {
    0%, 100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-20px);
    }
}

/* ==================== RESPONSIVE ==================== */
@media screen and (max-width: 968px) {
    :root {
        --header-height: 70px;
        --section-padding: 60px 0;
    }
    
    .section__title {
        font-size: 2rem;
    }
    
    .section__subtitle {
        font-size: 1rem;
    }
    
    /* Header Mobile */
    .nav__menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 80%;
        max-width: 350px;
        height: 100vh;
        background: var(--bg-white);
        padding: 80px 30px 30px;
        box-shadow: var(--shadow-xl);
        transition: var(--transition);
    }
    
    .nav__menu.show-menu {
        right: 0;
    }
    
    .nav__list {
        flex-direction: column;
        gap: 20px;
    }
    
    .nav__close {
        display: block;
        position: absolute;
        top: 20px;
        right: 20px;
    }
    
    .nav__toggle {
        display: block;
    }
    
    .nav__actions .btn {
        display: none;
    }
    
    /* Hero */
    .hero {
        padding: 120px 0 80px;
    }
    
    .hero__container {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .hero__title {
        font-size: 2.2rem;
    }
    
    .hero__subtitle {
        font-size: 1.1rem;
    }
    
    .hero__buttons {
        flex-direction: column;
    }
    
    .hero__buttons .btn {
        width: 100%;
        justify-content: center;
    }
    
    .hero__illustration {
        width: 250px;
        height: 250px;
    }
    
    .hero__illustration i {
        font-size: 100px;
    }
    
    /* Steps */
    .steps {
        flex-direction: column;
    }
    
    .step__arrow {
        transform: rotate(90deg);
    }
    
    /* Form */
    .credit-form {
        padding: 25px;
    }
    
    .form__row {
        grid-template-columns: 1fr;
    }
    
    .cta__content h2 {
        font-size: 2rem;
    }
    
    .cta__content p {
        font-size: 1rem;
    }
}

@media screen and (max-width: 576px) {
    .container {
        padding: 0 15px;
    }
    
    .hero__title {
        font-size: 1.8rem;
    }
    
    .hero__subtitle {
        font-size: 1rem;
    }
    
    .hero__stats {
        flex-direction: column;
        gap: 15px;
    }
    
    .section__title {
        font-size: 1.8rem;
    }
    
    .benefits__grid,
    .profiles__grid,
    .rates__grid,
    .differentials__list {
        grid-template-columns: 1fr;
    }
    
    .credit-form {
        padding: 20px;
    }
    
    .form__section {
        padding: 20px;
    }
    
    .scroll-top {
        bottom: 20px;
        right: 20px;
        width: 45px;
        height: 45px;
    }
}