/* ==========================================================================
   Carvalho's Crédito — carvalhoscredito.com.br
   Folha de estilo principal
   ========================================================================== */

:root{
  --navy-950:#061527;
  --navy-900:#081A30;
  --navy-800:#0B2140;
  --navy-700:#123156;
  --navy-600:#1B4272;
  --steel:#2E6BA8;
  --steel-dark:#1F4E7A;
  --silver-50:#F7F9FC;
  --silver-100:#EEF2F7;
  --silver-200:#DCE3EC;
  --silver-300:#C3CEDC;
  --silver-400:#9AA9BC;
  --slate-500:#63748B;
  --slate-600:#4A5B70;
  --ink:#101A26;
  --paper:#FFFFFF;
  --wa:#25D366;
  --wa-dark:#128C7E;

  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;

  --wrap:1180px;
  --r:4px;
  --r-lg:8px;
  --shadow-sm:0 1px 2px rgba(8,26,48,.06),0 2px 8px rgba(8,26,48,.05);
  --shadow-md:0 2px 6px rgba(8,26,48,.07),0 12px 32px rgba(8,26,48,.09);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--sans);
  font-size:17px;
  line-height:1.68;
  color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--steel);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.18;letter-spacing:-.011em;margin:0 0 .6em}
h1{font-size:clamp(2.05rem,1.35rem + 2.6vw,3.35rem)}
h2{font-size:clamp(1.6rem,1.18rem + 1.6vw,2.35rem)}
h3{font-size:clamp(1.18rem,1.05rem + .5vw,1.4rem)}
p{margin:0 0 1.05em}
ul,ol{margin:0 0 1.15em;padding-left:1.15em}
li{margin-bottom:.45em}
strong{font-weight:600}
hr{border:0;border-top:1px solid var(--silver-200);margin:2.5rem 0}
:focus-visible{outline:2px solid var(--steel);outline-offset:3px;border-radius:2px}

.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 24px}
.narrow{max-width:820px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ---------- Eyebrow / rótulos ---------- */
.eyebrow{
  display:inline-block;font-family:var(--sans);font-size:.72rem;font-weight:600;
  letter-spacing:.16em;text-transform:uppercase;color:var(--steel);margin:0 0 .85rem;
}
.eyebrow--light{color:var(--silver-400)}
.lead{font-size:1.14rem;color:var(--slate-600);max-width:64ch}
.lead--light{color:var(--silver-300)}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:rgba(8,26,48,.96);
  backdrop-filter:saturate(140%) blur(8px);
  border-bottom:1px solid rgba(220,227,236,.14);
}
.site-header__inner{display:flex;align-items:center;gap:20px;min-height:74px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand:hover{text-decoration:none}
.brand img{width:38px;height:auto}
.brand__text{display:flex;flex-direction:column;line-height:1.05}
.brand__name{font-family:var(--sans);font-weight:700;font-size:1rem;letter-spacing:.06em;color:#fff;text-transform:uppercase}
.brand__sub{font-family:var(--sans);font-weight:500;font-size:.68rem;letter-spacing:.24em;color:var(--silver-400);text-transform:uppercase}

.nav{margin-left:auto;display:flex;align-items:center;gap:26px}
.nav a{
  font-size:.88rem;font-weight:500;color:var(--silver-200);text-decoration:none;
  padding:6px 0;border-bottom:1px solid transparent;transition:color .15s,border-color .15s;
}
.nav a:hover,.nav a[aria-current="page"]{color:#fff;border-bottom-color:var(--steel);text-decoration:none}
.nav__cta{
  display:inline-flex;align-items:center;gap:8px;background:var(--wa);color:#06251a !important;
  font-weight:600;font-size:.86rem;padding:10px 16px;border-radius:var(--r);border:0 !important;
}
.nav__cta:hover{background:#1fbb5c;text-decoration:none}
.nav__cta svg{width:17px;height:17px;flex:none}

.nav-toggle{
  display:none;margin-left:auto;background:transparent;border:1px solid rgba(220,227,236,.28);
  border-radius:var(--r);padding:9px 11px;cursor:pointer;
}
.nav-toggle span{display:block;width:20px;height:2px;background:#fff;margin:4px 0;border-radius:2px}

@media (max-width:960px){
  .nav-toggle{display:block}
  .nav{
    position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;
    background:var(--navy-900);border-bottom:1px solid rgba(220,227,236,.14);padding:8px 24px 20px;
  }
  .nav[hidden]{display:none}
  .nav a{padding:13px 0;border-bottom:1px solid rgba(220,227,236,.1)}
  .nav__cta{justify-content:center;margin-top:14px;padding:13px 16px}
}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--navy-900);color:#fff;overflow:hidden}
.hero__media{position:absolute;inset:0}
.hero__media img{width:100%;height:100%;object-fit:cover;opacity:.42}
.hero::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(105deg,rgba(6,21,39,.96) 0%,rgba(8,26,48,.88) 45%,rgba(11,33,64,.55) 100%);
}
.hero__inner{position:relative;z-index:2;padding:92px 0 84px;max-width:760px}
.hero--sm .hero__inner{padding:72px 0 62px}
.hero h1{color:#fff;margin-bottom:.5em}
.hero p{color:var(--silver-300);font-size:1.13rem;max-width:58ch}
.hero__points{list-style:none;padding:0;margin:26px 0 0;display:flex;flex-wrap:wrap;gap:10px 26px}
.hero__points li{
  display:flex;align-items:center;gap:9px;margin:0;font-size:.92rem;color:var(--silver-200);
}
.hero__points li::before{
  content:"";width:6px;height:6px;border-radius:50%;background:var(--steel);flex:none;
}
.hero__actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}

/* Breadcrumb */
.crumbs{font-size:.82rem;color:var(--silver-400);margin-bottom:18px}
.crumbs a{color:var(--silver-300)}
.crumbs span{opacity:.55;padding:0 7px}

/* ---------- Botões ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:var(--sans);font-size:.95rem;font-weight:600;line-height:1;
  padding:15px 26px;border-radius:var(--r);border:1px solid transparent;cursor:pointer;
  transition:background .16s,border-color .16s,color .16s,transform .16s;text-decoration:none;
}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn svg{width:18px;height:18px;flex:none}
.btn--wa{background:var(--wa);color:#06251a;border-color:var(--wa)}
.btn--wa:hover{background:#1fbb5c;border-color:#1fbb5c}
.btn--ghost{background:transparent;color:#fff;border-color:rgba(220,227,236,.4)}
.btn--ghost:hover{border-color:#fff;background:rgba(255,255,255,.07)}
.btn--navy{background:var(--navy-800);color:#fff;border-color:var(--navy-800)}
.btn--navy:hover{background:var(--navy-700);border-color:var(--navy-700)}
.btn--line{background:transparent;color:var(--navy-800);border-color:var(--silver-300)}
.btn--line:hover{border-color:var(--navy-800);background:var(--silver-50)}

/* ---------- Seções ---------- */
.section{padding:84px 0}
.section--tight{padding:60px 0}
.section--paper{background:var(--silver-50)}
.section--navy{background:var(--navy-900);color:#fff}
.section--navy h2,.section--navy h3{color:#fff}
.section--navy p{color:var(--silver-300)}
.section__head{max-width:740px;margin-bottom:46px}
.section__head p{font-size:1.08rem;color:var(--slate-600)}
.section--navy .section__head p{color:var(--silver-300)}

/* ---------- Grid de produtos ---------- */
.grid{display:grid;gap:26px}
.grid--2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid--3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid--4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:900px){.grid--3,.grid--4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.grid--2,.grid--3,.grid--4{grid-template-columns:1fr}}

.card{
  background:#fff;border:1px solid var(--silver-200);border-radius:var(--r-lg);
  overflow:hidden;display:flex;flex-direction:column;transition:border-color .18s,box-shadow .18s,transform .18s;
}
.card:hover{border-color:var(--silver-300);box-shadow:var(--shadow-md);transform:translateY(-2px)}
.card__media{aspect-ratio:16/9;background:var(--navy-800);overflow:hidden}
.card__media img{width:100%;height:100%;object-fit:cover}
.card__body{padding:26px 26px 28px;display:flex;flex-direction:column;flex:1}
.card__body h3{margin-bottom:.45em}
.card__body p{color:var(--slate-600);font-size:.98rem;flex:1}
.card__link{
  font-weight:600;font-size:.9rem;color:var(--navy-800);display:inline-flex;align-items:center;gap:7px;margin-top:8px;
}
.card__link::after{content:"→";transition:transform .16s;display:inline-block}
.card:hover .card__link::after{transform:translateX(4px)}

/* ---------- Passos ---------- */
.steps{counter-reset:step;display:grid;gap:22px;grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:900px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding:28px 22px 26px;background:#fff;border:1px solid var(--silver-200);border-radius:var(--r-lg)}
.section--navy .step{background:rgba(255,255,255,.045);border-color:rgba(220,227,236,.16)}
.step::before{
  counter-increment:step;content:counter(step,decimal-leading-zero);
  font-family:var(--serif);font-size:1.5rem;color:var(--steel);display:block;margin-bottom:12px;font-weight:600;
}
.step h3{font-size:1.06rem;margin-bottom:.4em}
.step p{font-size:.94rem;color:var(--slate-600);margin:0}
.section--navy .step p{color:var(--silver-300)}

/* ---------- Lista de checks ---------- */
.checks{list-style:none;padding:0;margin:0;display:grid;gap:13px}
.checks li{position:relative;padding-left:30px;margin:0;color:var(--slate-600)}
.checks li::before{
  content:"";position:absolute;left:0;top:.52em;width:14px;height:8px;
  border-left:2px solid var(--steel);border-bottom:2px solid var(--steel);
  transform:rotate(-45deg);
}
.section--navy .checks li{color:var(--silver-200)}
.checks--2{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:640px){.checks--2{grid-template-columns:1fr}}

/* ---------- Split (texto + imagem) ---------- */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.split--rev .split__media{order:-1}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:34px}.split--rev .split__media{order:0}}
.split__media img{border-radius:var(--r-lg);width:100%}
.split__media figcaption{font-size:.78rem;color:var(--slate-500);margin-top:10px}

/* ---------- Tabela de condições ---------- */
.table-wrap{overflow-x:auto;border:1px solid var(--silver-200);border-radius:var(--r-lg);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.96rem;min-width:520px}
caption{text-align:left;padding:18px 22px 0;font-size:.82rem;color:var(--slate-500)}
th,td{padding:15px 22px;text-align:left;border-bottom:1px solid var(--silver-200);vertical-align:top}
thead th{
  font-family:var(--sans);font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;
  color:var(--slate-500);font-weight:600;background:var(--silver-50);
}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
tbody th{font-weight:600;color:var(--navy-800);width:46%}
tbody td{color:var(--slate-600)}

/* ---------- Números / faixa de destaque ---------- */
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:rgba(220,227,236,.18)}
@media (max-width:820px){.stats{grid-template-columns:repeat(2,minmax(0,1fr))}}
.stat{background:var(--navy-900);padding:32px 24px}
.stat__n{font-family:var(--serif);font-size:1.9rem;color:#fff;line-height:1.1;margin-bottom:6px}
.stat__l{font-size:.85rem;color:var(--silver-400);margin:0}

/* ---------- FAQ ---------- */
.faq{border-top:1px solid var(--silver-200)}
.faq details{border-bottom:1px solid var(--silver-200)}
.faq summary{
  list-style:none;cursor:pointer;padding:22px 44px 22px 0;position:relative;
  font-family:var(--serif);font-size:1.08rem;font-weight:600;color:var(--navy-800);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"";position:absolute;right:8px;top:30px;width:10px;height:10px;
  border-right:2px solid var(--steel);border-bottom:2px solid var(--steel);
  transform:rotate(45deg);transition:transform .2s;
}
.faq details[open] summary::after{transform:rotate(-135deg);top:34px}
.faq__a{padding:0 44px 24px 0;color:var(--slate-600)}
.faq__a p:last-child{margin-bottom:0}

/* ---------- Faixa de CTA ---------- */
.cta-band{background:var(--navy-800);color:#fff;border-radius:var(--r-lg);padding:52px 48px;position:relative;overflow:hidden}
.cta-band h2{color:#fff;margin-bottom:.35em}
.cta-band p{color:var(--silver-300);max-width:56ch}
@media (max-width:640px){.cta-band{padding:38px 26px}}

/* ---------- Formulário WhatsApp (mini-passo) ---------- */
.wa-form{
  background:#fff;border:1px solid var(--silver-200);border-radius:var(--r-lg);
  padding:30px 30px 32px;box-shadow:var(--shadow-sm);
}
.cta-band .wa-form{background:rgba(255,255,255,.06);border-color:rgba(220,227,236,.2);box-shadow:none}
.wa-form h3{font-size:1.12rem;margin-bottom:.3em}
.cta-band .wa-form h3{color:#fff}
.wa-form p.wa-form__hint{font-size:.88rem;color:var(--slate-500);margin-bottom:18px}
.cta-band .wa-form p.wa-form__hint{color:var(--silver-400)}
.field{display:block;margin-bottom:14px}
.field span{
  display:block;font-size:.76rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;
  color:var(--slate-500);margin-bottom:7px;
}
.cta-band .field span{color:var(--silver-400)}
.field input,.field select{
  width:100%;font-family:var(--sans);font-size:1rem;color:var(--ink);background:#fff;
  border:1px solid var(--silver-300);border-radius:var(--r);padding:13px 14px;
}
.field input:focus,.field select:focus{border-color:var(--steel);outline:none;box-shadow:0 0 0 3px rgba(46,107,168,.14)}
.wa-form .btn{width:100%}
.wa-form__note{font-size:.78rem;color:var(--slate-500);margin:14px 0 0;line-height:1.5}
.cta-band .wa-form__note{color:var(--silver-400)}
.wa-error{color:#b3261e;font-size:.84rem;margin:-6px 0 12px}
.cta-band .wa-error{color:#ffb4ab}

/* ---------- Botão flutuante ---------- */
.wa-float{
  position:fixed;right:20px;bottom:20px;z-index:80;display:flex;align-items:center;gap:10px;
  background:var(--wa);color:#06251a;font-family:var(--sans);font-weight:600;font-size:.92rem;
  padding:14px 20px;border:0;border-radius:40px;cursor:pointer;
  box-shadow:0 6px 24px rgba(6,37,26,.3);transition:transform .16s,background .16s;
}
.wa-float:hover{background:#1fbb5c;transform:translateY(-2px)}
.wa-float svg{width:22px;height:22px}
@media (max-width:560px){.wa-float{padding:14px;border-radius:50%}.wa-float span{display:none}}

.wa-panel{
  position:fixed;right:20px;bottom:86px;z-index:81;width:min(340px,calc(100vw - 40px));
  background:#fff;border-radius:12px;box-shadow:0 18px 60px rgba(8,26,48,.3);
  border:1px solid var(--silver-200);overflow:hidden;
}
.wa-panel[hidden]{display:none}
.wa-panel__head{background:var(--navy-900);color:#fff;padding:18px 20px;display:flex;align-items:flex-start;gap:12px}
.wa-panel__head img{width:30px;flex:none}
.wa-panel__head strong{display:block;font-size:.95rem}
.wa-panel__head small{color:var(--silver-400);font-size:.78rem}
.wa-panel__close{
  margin-left:auto;background:transparent;border:0;color:var(--silver-400);font-size:1.3rem;
  line-height:1;cursor:pointer;padding:0 2px;
}
.wa-panel__close:hover{color:#fff}
.wa-panel__body{padding:20px}
.wa-panel__body .field:last-of-type{margin-bottom:18px}
.wa-panel__body .btn{width:100%}

/* ---------- Aviso legal / compliance ---------- */
.notice{
  background:var(--silver-50);border:1px solid var(--silver-200);border-left:3px solid var(--steel);
  border-radius:var(--r);padding:20px 24px;font-size:.9rem;color:var(--slate-600);
}
.notice p:last-child{margin-bottom:0}
.notice strong{color:var(--navy-800)}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-950);color:var(--silver-300);padding:66px 0 0;font-size:.92rem}
.site-footer a{color:var(--silver-200)}
.site-footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:44px;padding-bottom:48px}
@media (max-width:820px){.footer-grid{grid-template-columns:1fr 1fr;gap:34px}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}
.site-footer h4{
  font-family:var(--sans);font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--silver-400);font-weight:600;margin-bottom:16px;
}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:10px}
.footer-brand img{width:46px;margin-bottom:16px}
.footer-brand p{color:var(--silver-400);font-size:.88rem;max-width:34ch}
.social{display:flex;gap:12px;margin-top:18px}
.social a{
  display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;
  border:1px solid rgba(220,227,236,.22);border-radius:var(--r);color:var(--silver-200);
}
.social a:hover{border-color:var(--silver-300);background:rgba(255,255,255,.05)}
.social svg{width:18px;height:18px}
.legal{border-top:1px solid rgba(220,227,236,.13);padding:26px 0 34px;font-size:.8rem;color:var(--silver-400);line-height:1.65}
.legal p{margin:0 0 .7em}
.legal p:last-child{margin-bottom:0}

/* ---------- Utilitários ---------- */
.mt-0{margin-top:0}
.mb-0{margin-bottom:0}
.center{text-align:center}
.divider-top{border-top:1px solid var(--silver-200)}

@media (prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important;scroll-behavior:auto !important}
}

/* ---------- Complementos ---------- */
.cta-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}
@media (max-width:900px){.cta-grid{grid-template-columns:1fr;gap:32px}}
.stats-note{font-size:.78rem;color:var(--silver-400);margin:20px 0 0;max-width:70ch}
.contact-list{list-style:none;padding:0;margin:24px 0 0}
.contact-list li{margin-bottom:16px;color:var(--silver-300);font-size:.95rem;line-height:1.55}
.contact-list b{display:block;font-family:var(--sans);font-size:.72rem;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:var(--silver-400);margin-bottom:4px}
.contact-list a{color:#fff;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.3)}
.contact-list a:hover{border-bottom-color:#fff;text-decoration:none}
.pill-row{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 30px;padding:0;list-style:none}
.pill-row li{margin:0;font-size:.82rem;font-weight:500;color:var(--slate-600);
  border:1px solid var(--silver-200);background:#fff;border-radius:40px;padding:7px 15px}
.section--navy .pill-row li{color:var(--silver-200);background:rgba(255,255,255,.05);border-color:rgba(220,227,236,.18)}
.map-embed{border:1px solid var(--silver-200);border-radius:var(--r-lg);overflow:hidden;line-height:0}
.map-embed iframe{width:100%;height:340px;border:0;display:block}

.notice--mt{margin-top:28px}

/* ---------- Tabela comparativa (3 colunas) ---------- */
.table--compare{min-width:760px}
.table--compare tbody th{width:26%}
.table--compare thead th:first-child{text-indent:-9999px;white-space:nowrap}
@media (max-width:700px){
  .table-wrap:has(.table--compare){overflow-x:visible;border:0;background:transparent}
  .table--compare{min-width:0;display:block}
  .table--compare caption{display:block;width:100%;padding:0 0 12px}
  .table--compare thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
  .table--compare tbody,.table--compare tr{display:block}
  .table--compare tr{
    border:1px solid var(--silver-200);border-radius:var(--r-lg);background:#fff;
    padding:14px 18px;margin-bottom:12px;
  }
  .table--compare tbody th,.table--compare tbody td{
    display:block;width:auto;padding:0;border:0;
  }
  .table--compare tbody th{margin-bottom:10px;font-size:1rem}
  .table--compare tbody td+td{margin-top:10px}
  .table--compare tbody td::before{
    content:attr(data-col);display:block;
    font-family:var(--sans);font-size:.68rem;letter-spacing:.11em;text-transform:uppercase;
    color:var(--slate-500);font-weight:600;margin-bottom:3px;
  }
}

/* ---------- Card em destaque (linha que ocupa a largura toda) ---------- */
.card--wide{grid-column:1/-1}
@media (min-width:820px){
  .card--wide{flex-direction:row}
  .card--wide .card__media{flex:0 0 42%;aspect-ratio:auto}
  .card--wide .card__body{justify-content:center;padding:34px 38px}
  .card--wide .card__body p{flex:0 1 auto;max-width:62ch}
}