/* ============================================================
   HLN FIANÇA LOCATÍCIA — Landing Premium
   Paleta: navy profundo + dourado (derivada da logo)
   ============================================================ */
:root{
  --navy-950:#081527;
  --navy-900:#0B1F3A;
  --navy-800:#12294A;
  --navy-700:#1E3A5F;
  --gold-500:#C9A24B;
  --gold-400:#DDBB6E;
  --gold-600:#B08430;
  --ink-900:#0E1B2E;
  --ink-600:#45526B;
  --ink-400:#7C8AA0;
  --paper:#FAFBFD;
  --card:#FFFFFF;
  --line:#E6EBF2;
  --radius:14px;
  --shadow-sm:0 1px 2px rgba(8,21,39,.06),0 4px 14px rgba(8,21,39,.05);
  --shadow-md:0 6px 24px rgba(8,21,39,.10);
  --shadow-gold:0 8px 30px rgba(201,162,75,.25);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;color:var(--ink-900);background:var(--paper);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.container{max-width:1180px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:'Sora',sans-serif;line-height:1.18;letter-spacing:-.02em}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-600)}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--gold-500);border-radius:2px}
.section{padding:96px 0}
.section-head{max-width:640px;margin-bottom:56px}
.section-head h2{font-size:clamp(28px,4vw,40px);margin:14px 0 16px;color:var(--navy-900)}
.section-head p{color:var(--ink-600);font-size:17px}

/* ---------- NAV ---------- */
.nav{position:fixed;top:0;left:0;right:0;z-index:100;transition:background .3s,box-shadow .3s;padding:18px 0}
.nav.scrolled{background:rgba(8,21,39,.92);backdrop-filter:blur(14px);box-shadow:0 1px 0 rgba(201,162,75,.22);padding:12px 0}
.nav-inner{display:flex;align-items:center;justify-content:space-between}
.nav-logo{display:flex;align-items:center;gap:12px}
.nav-logo img{height:72px;width:auto;transition:height .3s}
.nav.scrolled .nav-logo img{height:56px}
.nav-logo span{font-family:'Sora',sans-serif;font-weight:700;color:#fff;font-size:17px;letter-spacing:.01em}
.nav-logo small{display:block;font-size:10.5px;font-weight:500;color:var(--gold-400);letter-spacing:.18em;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:32px;list-style:none}
.nav-links a{color:rgba(255,255,255,.82);font-size:14.5px;font-weight:500;transition:color .2s}
.nav-links a:hover{color:var(--gold-400)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:'Inter',sans-serif;font-weight:600;font-size:15px;padding:13px 26px;border-radius:10px;border:none;cursor:pointer;transition:transform .15s,box-shadow .2s,background .2s}
.btn:focus-visible{outline:3px solid var(--gold-400);outline-offset:2px}
.btn-gold{background:linear-gradient(135deg,var(--gold-400),var(--gold-600));color:var(--navy-950);box-shadow:var(--shadow-gold)}
.btn-gold:hover{transform:translateY(-2px)}
.btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.28)}
.btn-ghost:hover{border-color:var(--gold-400);color:var(--gold-400)}
.btn-navy{background:var(--navy-900);color:#fff}
.btn-navy:hover{background:var(--navy-800);transform:translateY(-2px)}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:24px;height:2px;background:#fff;margin:5px 0;border-radius:2px;transition:.3s}

/* ---------- HERO ---------- */
.hero{position:relative;background:radial-gradient(1200px 600px at 75% -10%,#16345C 0%,var(--navy-950) 55%);color:#fff;padding:170px 0 110px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(201,162,75,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(201,162,75,.05) 1px,transparent 1px);background-size:56px 56px;mask-image:radial-gradient(800px 500px at 70% 20%,#000 30%,transparent 75%)}
.hero-grid{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.hero h1{font-size:clamp(34px,4.6vw,54px);font-weight:700;margin:20px 0 22px}
.hero h1 em{font-style:normal;color:var(--gold-400)}
.hero-sub{font-size:18px;color:rgba(255,255,255,.78);max-width:520px;margin-bottom:34px}
.hero-badge{display:inline-flex;align-items:center;gap:12px;background:rgba(201,162,75,.12);border:1px solid rgba(201,162,75,.45);border-radius:999px;padding:10px 20px;font-size:14.5px;font-weight:600;color:var(--gold-400);margin-bottom:30px}
.hero-badge svg{flex:none}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap}
.hero-visual{position:relative}
.hero-visual .frame{position:relative;border-radius:18px;overflow:hidden;box-shadow:0 30px 80px rgba(0,0,0,.45);border:1px solid rgba(201,162,75,.35)}
.hero-visual .frame::after{content:"";position:absolute;inset:0;background:linear-gradient(200deg,transparent 60%,rgba(8,21,39,.55))}
.hero-visual img{width:100%;height:100%;object-fit:cover}
.hero-chip{position:absolute;bottom:-22px;left:-22px;background:#fff;color:var(--navy-900);border-radius:12px;padding:14px 20px;box-shadow:var(--shadow-md);display:flex;align-items:center;gap:12px;font-size:14px;font-weight:600;border-left:3px solid var(--gold-500)}
.hero-trust{position:relative;display:flex;gap:40px;flex-wrap:wrap;margin-top:64px;padding-top:34px;border-top:1px solid rgba(255,255,255,.12)}
.hero-trust div{font-size:14px;color:rgba(255,255,255,.72);display:flex;align-items:center;gap:10px}
.hero-trust svg{color:var(--gold-400);flex:none}

/* ---------- COMO FUNCIONA ---------- */
.steps-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.step{display:flex;gap:20px;padding:22px 0;border-bottom:1px solid var(--line)}
.step:last-child{border-bottom:none}
.step-n{flex:none;width:44px;height:44px;border-radius:12px;background:var(--navy-900);color:var(--gold-400);font-family:'Sora',sans-serif;font-weight:700;font-size:17px;display:flex;align-items:center;justify-content:center}
.step h3{font-size:18px;margin-bottom:6px;color:var(--navy-900)}
.step p{color:var(--ink-600);font-size:15px}
.media-frame{border-radius:16px;overflow:hidden;box-shadow:var(--shadow-md);border:1px solid var(--line);position:relative}
.media-frame img{width:100%;object-fit:cover}
.media-frame figcaption{position:absolute;left:0;right:0;bottom:0;background:linear-gradient(transparent,rgba(8,21,39,.85));color:#fff;padding:36px 22px 16px;font-size:13.5px;font-weight:500}

/* ---------- GESTÃO + SUPORTE ---------- */
.duo{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.duo-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:transform .2s,box-shadow .2s,border-color .2s}
.duo-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--gold-500)}
.duo-card img{width:100%;height:230px;object-fit:cover}
.duo-card .pad{padding:26px 26px 30px}
.duo-card h3{font-size:19px;color:var(--navy-900);margin-bottom:8px}
.duo-card p{color:var(--ink-600);font-size:15px}

/* ---------- BENEFÍCIOS ---------- */
.bg-navy{background:linear-gradient(180deg,var(--navy-950),var(--navy-900));color:#fff;position:relative;overflow:hidden}
.bg-navy .section-head h2{color:#fff}
.bg-navy .section-head p{color:rgba(255,255,255,.72)}
.ben-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.ben{background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.10);border-radius:var(--radius);padding:28px 26px;transition:border-color .25s,background .25s}
.ben:hover{border-color:rgba(201,162,75,.6);background:rgba(201,162,75,.07)}
.ben svg{color:var(--gold-400);margin-bottom:16px}
.ben h3{font-size:17px;margin-bottom:8px;color:#fff}
.ben p{font-size:14.5px;color:rgba(255,255,255,.68)}

/* ---------- PROPRIETÁRIOS ---------- */
.own-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:64px;align-items:center}
.own-list{list-style:none;margin:26px 0 34px}
.own-list li{display:flex;gap:14px;padding:11px 0;font-size:15.5px;color:var(--ink-600)}
.own-list svg{flex:none;color:var(--gold-600);margin-top:3px}

/* ---------- DEPOIMENTOS ---------- */
.testi-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.testi{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;transition:transform .2s,border-color .2s}
.testi:hover{transform:translateY(-4px);border-color:var(--gold-500)}
.testi-stars{color:var(--gold-500);letter-spacing:3px;font-size:14px;margin-bottom:14px}
.testi p{font-size:14.5px;color:var(--ink-600);flex:1}
.testi-person{display:flex;align-items:center;gap:12px;margin-top:20px}
.testi-person img{width:48px;height:48px;border-radius:50%;object-fit:cover;border:2px solid var(--gold-500)}
.testi-person strong{display:block;font-size:14px;color:var(--navy-900)}
.testi-person span{font-size:12.5px;color:var(--ink-400)}

/* ---------- FORMULÁRIOS ---------- */
.forms-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:36px 34px;box-shadow:var(--shadow-sm);position:relative;overflow:hidden}
.form-card::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold-400),var(--gold-600))}
.form-card h3{font-size:21px;color:var(--navy-900);margin-bottom:6px}
.form-card>p{color:var(--ink-600);font-size:14.5px;margin-bottom:26px}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.f-group{margin-bottom:14px}
.f-group label{display:block;font-size:13px;font-weight:600;color:var(--navy-900);margin-bottom:6px}
.f-group input,.f-group select,.f-group textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:9px;font-family:'Inter',sans-serif;font-size:14.5px;color:var(--ink-900);background:#FCFDFE;transition:border-color .2s,box-shadow .2s}
.f-group input:focus,.f-group select:focus,.f-group textarea:focus{outline:none;border-color:var(--gold-500);box-shadow:0 0 0 3px rgba(201,162,75,.15)}
.f-group textarea{resize:vertical;min-height:90px}
.form-msg{display:none;margin-top:14px;padding:12px 16px;border-radius:9px;font-size:14px;font-weight:500}
.form-msg.ok{display:block;background:#EDF7EE;color:#1E6B2E;border:1px solid #BFE3C6}
.form-msg.err{display:block;background:#FDF0EF;color:#A33025;border:1px solid #F2CFCB}
.hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}

/* ---------- FAQ ---------- */
.faq-wrap{max-width:760px;margin:0 auto}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;background:var(--card);overflow:hidden;transition:border-color .2s}
.faq-item.open{border-color:var(--gold-500)}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 24px;background:none;border:none;cursor:pointer;font-family:'Sora',sans-serif;font-size:15.5px;font-weight:600;color:var(--navy-900);text-align:left}
.faq-q svg{flex:none;transition:transform .3s;color:var(--gold-600)}
.faq-item.open .faq-q svg{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq-a p{padding:0 24px 22px;color:var(--ink-600);font-size:14.8px}

/* ---------- CTA FINAL ---------- */
.cta-final{position:relative;border-radius:20px;overflow:hidden;color:#fff;padding:70px 60px;background:var(--navy-950)}
.cta-final img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.28}
.cta-final .inner{position:relative;max-width:560px}
.cta-final h2{font-size:clamp(26px,3.4vw,36px);margin-bottom:16px}
.cta-final p{color:rgba(255,255,255,.78);margin-bottom:30px}

/* ---------- RODAPÉ ---------- */
.footer{background:var(--navy-950);color:rgba(255,255,255,.72);padding:64px 0 32px;border-top:1px solid rgba(201,162,75,.25)}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:44px;margin-bottom:44px}
.footer img{height:56px;margin-bottom:16px}
.footer h4{font-family:'Sora',sans-serif;font-size:14px;color:#fff;margin-bottom:16px;letter-spacing:.04em}
.footer ul{list-style:none}
.footer li{margin-bottom:10px}
.footer a{font-size:14px;transition:color .2s}
.footer a:hover{color:var(--gold-400)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.10);padding-top:26px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13.5px;color:rgba(255,255,255,.5)}

/* ---------- COOKIES ---------- */
.cookies{position:fixed;bottom:20px;left:20px;right:20px;max-width:520px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 20px 60px rgba(8,21,39,.25);padding:22px 24px;z-index:200;display:none}
.cookies.show{display:block;animation:up .4s ease}
@keyframes up{from{transform:translateY(24px);opacity:0}to{transform:none;opacity:1}}
.cookies p{font-size:13.8px;color:var(--ink-600);margin-bottom:16px}
.cookies a{color:var(--gold-600);font-weight:600;text-decoration:underline}
.cookies-btns{display:flex;gap:12px}
.cookies-btns .btn{padding:10px 20px;font-size:14px}
.btn-line{background:#fff;border:1px solid var(--line);color:var(--ink-600)}
.btn-line:hover{border-color:var(--ink-400)}

/* ---------- REVEAL ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* ---------- PÁGINAS LEGAIS ---------- */
.legal{padding:150px 0 90px;max-width:820px;margin:0 auto}
.legal h1{font-size:34px;color:var(--navy-900);margin-bottom:8px}
.legal .upd{color:var(--ink-400);font-size:14px;margin-bottom:40px}
.legal h2{font-size:21px;color:var(--navy-900);margin:36px 0 12px}
.legal p,.legal li{color:var(--ink-600);font-size:15.5px;margin-bottom:12px}
.legal ul{padding-left:22px;margin-bottom:16px}

/* ---------- RESPONSIVO ---------- */
@media(max-width:980px){
  .hero-grid,.steps-grid,.own-grid{grid-template-columns:1fr;gap:44px}
  .ben-grid{grid-template-columns:repeat(2,1fr)}
  .testi-grid{grid-template-columns:repeat(2,1fr)}
  .forms-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .hero{padding:140px 0 90px}
}
@media(max-width:640px){
  .section{padding:64px 0}
  .nav-links{display:none;position:fixed;top:64px;left:0;right:0;background:var(--navy-950);flex-direction:column;padding:24px;gap:20px;box-shadow:0 20px 40px rgba(0,0,0,.4)}
  .nav-links.open{display:flex}
  .nav-toggle{display:block}
  .ben-grid,.testi-grid{grid-template-columns:1fr}
  .f-row{grid-template-columns:1fr}
  .hero-ctas .btn{width:100%}
  .cta-final{padding:48px 28px}
  .footer-grid{grid-template-columns:1fr}
  .hero-chip{position:static;margin-top:18px}
}