/* Florida Funding — estilo compartilhado (index, privacidade, termos, obrigado).
   A aplicacao.html tem o próprio estilo embutido, com os mesmos tokens. */
:root{
  --bg:#f5f6f8;--surface:#fff;--ink:#122033;--muted:#5b6778;--line:#d7dde6;--accent:#e0951f;--accent-ink:#2b1a00;
  --navy:#16325c;--navy-deep:#0f2443;--ok:#1f8a5b;--chip:#eef1f6;
  --display:"Bricolage Grotesque",ui-sans-serif,system-ui,sans-serif;--body:"Public Sans",ui-sans-serif,system-ui,sans-serif;
  --max:1080px;--r:12px;
}
@media (prefers-color-scheme:dark){:root{--bg:#0e1622;--surface:#152132;--ink:#e7edf5;--muted:#9aa8ba;--line:#2a3a51;--accent:#f0a93a;--navy:#8fb3ec;--navy-deep:#0a1220;--ok:#4cc38a;--chip:#1c2b40;color-scheme:dark}}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 var(--body)}
img,svg{max-width:100%}
a{color:var(--navy)}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:8px;background:var(--surface);padding:8px 12px;z-index:10}
.in{max-width:var(--max);margin:0 auto;padding:0 16px}
h1,h2,h3{font-family:var(--display);line-height:1.15;text-wrap:balance}
h2{font-size:clamp(26px,4.5vw,36px);margin:0 0 8px}
h3{font-size:19px;margin:0 0 6px}
p{margin:0 0 12px}
.lead{color:var(--muted);font-size:17px;max-width:62ch}

/* Topo */
.top{background:var(--navy-deep);color:#fff}
@media (prefers-color-scheme:light){.top{background:#16325c}}
.top .in{display:flex;justify-content:space-between;align-items:center;gap:12px;padding-top:14px;padding-bottom:14px;flex-wrap:wrap}
.logo{font-family:var(--display);font-weight:700;font-size:22px;color:#fff;text-decoration:none}
.logo span{color:#f0a93a}
.top nav{display:flex;gap:16px;align-items:center;flex-wrap:wrap}
.top nav a{color:#fff;text-decoration:none;font-size:14px;font-weight:500;opacity:.9}
.top nav a:hover{opacity:1;text-decoration:underline}
.top nav .pill{border:1px solid rgba(255,255,255,.4);padding:6px 12px;border-radius:999px;opacity:1}
@media (max-width:640px){.top nav .hide-sm{display:none}}

/* Botões */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 16px/1 var(--body);padding:14px 22px;border-radius:10px;text-decoration:none;border:0;cursor:pointer;min-height:48px}
.btn.gold{background:var(--accent);color:var(--accent-ink)}
.btn.gold:hover{filter:brightness(1.05)}
.btn.line{background:transparent;color:inherit;border:1px solid currentColor}
.ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}

/* Hero */
.hero{background:linear-gradient(180deg,#16325c 0%,#1d3f72 100%);color:#fff;padding:48px 0 56px}
@media (prefers-color-scheme:dark){.hero{background:linear-gradient(180deg,#0a1220 0%,#12223a 100%)}}
.hero h1{font-size:clamp(32px,7vw,56px);margin:0 0 16px;max-width:18ch}
.hero h1 em{font-style:normal;color:#f0a93a}
.hero .lead{color:#d6e0ee;font-size:clamp(17px,2.4vw,20px)}
.hero .btn.line{color:#fff}
.facts{list-style:none;padding:0;margin:28px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px}
.facts li{border-left:3px solid #f0a93a;padding:4px 0 4px 12px;font-size:15px;color:#d6e0ee}
.facts b{display:block;color:#fff;font-family:var(--display);font-size:22px}

/* Seções */
section{padding:56px 0}
section.alt{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.kicker{font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin-bottom:6px}

.steps{list-style:none;padding:0;margin:28px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;counter-reset:s}
.steps li{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:20px;counter-increment:s;position:relative}
section.alt .steps li{background:var(--bg)}
.steps li::before{content:counter(s);display:inline-grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--accent);color:var(--accent-ink);font:700 18px var(--display);margin-bottom:10px}
.steps p{color:var(--muted);margin:0;font-size:15px}

.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin-top:24px}
.card{background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px}
.card h3{font-size:17px;margin-bottom:4px}
.card p{color:var(--muted);font-size:14px;margin:0}

.check{list-style:none;padding:0;margin:24px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:10px 24px}
.check li{position:relative;padding-left:32px}
.check li::before{content:"";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;background:var(--ok)}
.check li::after{content:"";position:absolute;left:7px;top:7px;width:5px;height:9px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}
.check small{display:block;color:var(--muted)}
.note{margin-top:24px;background:var(--chip);border-radius:var(--r);padding:16px 18px}

.faq{margin-top:24px;display:flex;flex-direction:column;gap:10px;max-width:820px}
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:0 18px}
.faq summary{cursor:pointer;font-weight:600;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font:700 22px/1 var(--display);color:var(--accent)}
.faq details[open] summary::after{content:"−"}
.faq details p{color:var(--muted)}

.cta-final{background:#16325c;color:#fff;text-align:center}
@media (prefers-color-scheme:dark){.cta-final{background:#0a1220}}
.cta-final .lead{color:#d6e0ee;margin:0 auto}
.cta-final .ctas{justify-content:center}
.cta-final .btn.line{color:#fff}

/* Páginas de texto (privacidade/termos) */
.doc{max-width:780px;margin:0 auto;padding:40px 16px 64px}
.doc h1{font-size:clamp(28px,5vw,40px);margin:0 0 8px}
.doc h2{font-size:22px;margin:32px 0 8px}
.doc ul{padding-left:20px}
.doc li{margin-bottom:6px}
.review-flag{display:inline-block;background:#fff3cd;color:#5c3d00;border:1px solid #e0b24a;border-radius:8px;padding:6px 12px;font-weight:700;font-size:14px;margin-bottom:16px}
.updated{color:var(--muted);font-size:14px}
.en{margin-top:40px;padding:20px;border:1px solid var(--line);border-radius:var(--r);background:var(--surface)}
.en h2{margin-top:0}

/* Rodapé */
.foot{background:var(--surface);border-top:1px solid var(--line);padding:32px 0 96px;font-size:14px;color:var(--muted)}
.foot .cols{display:flex;flex-wrap:wrap;gap:16px 32px;justify-content:space-between}
.foot a{color:var(--muted)}
.foot nav{display:flex;flex-wrap:wrap;gap:8px 16px}
.foot .disc{margin-top:16px;font-size:13px;max-width:80ch}

/* Barra fixa no celular */
.bar{position:fixed;left:0;right:0;bottom:0;display:flex;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:var(--surface);border-top:1px solid var(--line);z-index:5}
.bar .btn{flex:1;padding:12px 10px;font-size:15px}
@media (min-width:760px){.bar{display:none}.foot{padding-bottom:32px}}

/* ===== v2: mais visual, sensação de facilidade ===== */
.hero2{background:#16325c;color:#fff;overflow:hidden}
@media (prefers-color-scheme:dark){.hero2{background:#0a1220}}
.hero2 .in{display:grid;grid-template-columns:1fr;gap:28px;padding-top:40px;padding-bottom:48px;align-items:center}
@media (min-width:900px){.hero2 .in{grid-template-columns:1.05fr .95fr;padding-top:64px;padding-bottom:72px}}
.hero2 h1{font-size:clamp(34px,7vw,58px);margin:0 0 16px}
.hero2 h1 em{font-style:normal;color:#f0a93a}
.hero2 .lead{color:#d6e0ee;font-size:clamp(17px,2.4vw,20px)}
.hero2 .btn.line{color:#fff}
.ph{position:relative;border-radius:20px;overflow:hidden;background:linear-gradient(135deg,#1d3f72,#2b5a96 60%,#e0951f);aspect-ratio:4/3}
.ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.ph.noimg img{display:none}
.ph .tag{position:absolute;left:14px;bottom:14px;background:rgba(255,255,255,.95);color:#122033;border-radius:12px;padding:10px 14px;font-weight:600;font-size:15px;box-shadow:0 6px 20px rgba(0,0,0,.18);display:flex;align-items:center;gap:10px;max-width:calc(100% - 28px)}
.ph .tag i{width:10px;height:10px;border-radius:50%;background:#1f8a5b;flex:0 0 auto}
.trust{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px;padding:0;list-style:none}
.trust li{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:6px 12px;border-radius:999px;font-size:14px}

.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}
.flow{list-style:none;padding:0;margin:36px 0 0;display:grid;grid-template-columns:1fr;gap:16px;counter-reset:f}
@media (min-width:720px){.flow{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.flow{grid-template-columns:repeat(4,1fr)}}
.flow li{counter-increment:f;background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:28px 22px;text-align:center;position:relative}
.flow .ico{width:96px;height:96px;margin:0 auto 14px;border-radius:28px;background:var(--chip);display:grid;place-items:center;color:var(--navy)}
.flow .ico svg{width:52px;height:52px}
.flow li::before{content:counter(f);position:absolute;top:14px;left:14px;width:30px;height:30px;border-radius:50%;background:var(--accent);color:var(--accent-ink);font:700 16px/30px var(--display)}
.flow h3{font-size:20px}
.flow p{color:var(--muted);margin:0;font-size:15px}
.flow .time{display:inline-block;margin-top:10px;font-size:13px;font-weight:600;color:var(--ok)}

.split{display:grid;grid-template-columns:1fr;gap:28px;align-items:center}
@media (min-width:900px){.split{grid-template-columns:1fr 1fr;gap:48px}}
.quote{font-family:var(--display);font-size:clamp(22px,3.6vw,30px);line-height:1.25;margin:0 0 16px}

.vs{display:grid;grid-template-columns:1fr;gap:16px;margin-top:32px}
@media (min-width:720px){.vs{grid-template-columns:1fr 1fr}}
.vs .col{border-radius:20px;padding:24px;border:1px solid var(--line)}
.vs .them{background:var(--bg);color:var(--muted)}
.vs .us{background:#16325c;color:#fff;border-color:#16325c}
@media (prefers-color-scheme:dark){.vs .us{background:#1c3560;border-color:#2b4a7a}}
.vs h3{font-size:20px;margin-bottom:14px}
.vs ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:12px}
.vs li{display:flex;gap:12px;align-items:flex-start;font-size:16px}
.vs li svg{width:22px;height:22px;flex:0 0 auto;margin-top:1px}
.vs .them svg{color:#b3261e}
.vs .us svg{color:#f0a93a}

.talk{background:var(--chip);border-radius:24px;padding:28px;display:grid;grid-template-columns:1fr;gap:20px;align-items:center}
@media (min-width:800px){.talk{grid-template-columns:auto 1fr auto;padding:32px 36px}}
.talk .face{width:72px;height:72px;border-radius:50%;background:#25d366;display:grid;place-items:center;color:#fff}
.talk .face svg{width:40px;height:40px}
.talk h2{font-size:clamp(24px,4vw,32px);margin:0 0 4px}
.talk p{margin:0;color:var(--muted)}
.talk .opts{display:flex;flex-wrap:wrap;gap:10px}
.btn.wa{background:#25d366;color:#0b2e17}
.btn.soft{background:var(--surface);color:var(--ink);border:1px solid var(--line)}

.team{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin-top:28px}
.person{background:var(--surface);border:1px solid var(--line);border-radius:20px;overflow:hidden}
.person .ph{aspect-ratio:1/1;border-radius:0;background:linear-gradient(135deg,#d7dde6,#eef1f6)}
@media (prefers-color-scheme:dark){.person .ph{background:linear-gradient(135deg,#1c2b40,#2a3a51)}}
.person .ph .slot{position:absolute;inset:0;display:grid;place-items:center;color:var(--muted);font-weight:600;font-size:14px}
.person .body{padding:16px 18px}
.person h3{font-size:18px;margin:0}
.person .role{color:var(--accent);font-size:14px;font-weight:600;margin:2px 0 8px}
.person p{color:var(--muted);font-size:14px;margin:0}
.ph-note{font-size:13px;color:var(--muted);margin-top:12px}
.flow .ico{position:relative;overflow:hidden;width:120px;height:120px}
.flow .ico img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.flow .ico.noimg img{display:none}