/* Financiera Guzmán — sistema de diseño
   Manrope en toda la web (tipografía moderna solicitada por el cliente; su logo real es sans-serif, no se inventa una serif encima).
   Paleta fijada por el cliente. Un solo elemento-firma: el anillo concéntrico del isotipo. */

:root {
  --navy: #0B2D50;
  --navy-2: #123a63;
  --blue: #1D6FB8;
  --gold: #D6A84B;
  --gold-deep: #8A6423;
  --white: #FFFFFF;
  --bg: #F5F7FA;
  --bg-card: #FFFFFF;
  --text: #172033;
  --text-muted: #4E5A70;
  --text-soft: #5C6579;
  --success: #2F7D47;
  --success-bg: #EAF4EC;
  --border: #DEE3EC;
  --border-strong: #C4CCDB;
  --red-institucional: #B3202D;
  --red-institucional-deep: #8C1822;
  --green-institucional: #2F7D47;
  --green-institucional-deep: #1F5C32;
  --blue-deep: #15568F;

  --display: "Archivo", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --sans: "Archivo", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --radius-sm: 6px;
  --radius: 12px;
  --radius-lg: 20px;

  --shadow-sm: 0 1px 2px rgba(11, 45, 80, 0.06);
  --shadow: 0 8px 24px -12px rgba(11, 45, 80, 0.18);
  --shadow-lg: 0 24px 48px -20px rgba(11, 45, 80, 0.28);

  --container: 1180px;
  --ease: cubic-bezier(.2,.8,.2,1);

  --anim-accent: #D6A84B;
  --anim-accent-2: #1D6FB8;
  --anim-glow: rgba(214,168,75,.35);
  --anim-ease: cubic-bezier(.2,.8,.2,1);
}

[hidden] { display: none !important; }
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--text);
  background: var(--bg);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; }
ul, ol { padding-inline-start: 1.25rem; }

h1, h2, h3, h4 {
  font-family: var(--display);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.12;
  margin: 0 0 0.5em;
  letter-spacing: -0.02em;
}
h1 { font-size: clamp(2.1rem, 4.4vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 2.8vw, 2.3rem); }
h3 { font-size: clamp(1.2rem, 1.8vw, 1.5rem); font-weight: 600; font-family: var(--sans); }
h4 { font-size: 1.05rem; font-weight: 600; font-family: var(--sans); }

p { margin: 0 0 1em; color: var(--text-muted); }
p.lead { font-size: 1.15rem; color: var(--text); }

.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
section { padding: 88px 0; }
section.tight { padding: 56px 0; }
section.compact-section { padding: 40px 0; }
@media (max-width: 720px) {
  section { padding: 56px 0; }
  section.tight { padding: 40px 0; }
}

.eyebrow {
  display: block;
  font-family: var(--sans);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 14px;
}

.section-head { max-width: 640px; margin: 0 0 44px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head.compact { margin-bottom: 24px; }
.section-head.compact h2 { font-size: clamp(1.5rem, 3vw, 1.9rem); margin-bottom: 6px; }
.section-head.compact .lead { font-size: 0.96rem; margin-bottom: 0; }
.section-head.section-head-lg { max-width: 760px; }
@media (min-width: 761px) { .nowrap-md { white-space: nowrap; } }

/* Botones */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 52px;
  padding: 10px 28px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.95rem;
  text-align: center;
  border: 1px solid transparent;
  cursor: pointer;
  box-shadow: 0 1px 3px rgba(11,45,80,.14);
  transition: transform 180ms var(--ease), background 180ms var(--ease), border-color 180ms var(--ease), color 180ms var(--ease), box-shadow 180ms var(--ease);
  white-space: nowrap;
}
.btn-primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-primary:hover { background: var(--navy-2); color: var(--white); border-color: var(--navy-2); }
.btn-primary:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.btn-primary:active { background: var(--navy-2); color: var(--white); border-color: var(--navy-2); }
.btn-red { background: #D92D20; color: #FFFFFF; }
.btn-red:hover { background: #B42318; }
.btn-comenzar { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-comenzar:hover { background: var(--navy-2); color: var(--white); border-color: var(--navy-2); }
.btn-comenzar:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.btn-comenzar:active { background: var(--navy-2); color: var(--white); border-color: var(--navy-2); }

.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.btn-outline-light:hover { border-color: #fff; background: rgba(255,255,255,.08); }

.hero-dark { background: var(--navy); padding: 48px 0 36px; overflow: hidden; }
.hero-dark .hero-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: center; }
.hero-dark h1 { color: #fff; }
.hero-dark .lead { color: rgba(255,255,255,.78); margin-bottom: 10px; }
.hero-dark .hero-photo { position: relative; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 5/4; }
.hero-dark .hero-photo img { position: absolute; inset: -1px; width: calc(100% + 2px); height: calc(100% + 2px); object-fit: cover; display: block; }
.hero-benefits { display: flex; flex-wrap: wrap; gap: 10px 20px; list-style: none; padding: 0; margin: 22px 0 0; }
.hero-benefits li { display: flex; align-items: center; gap: 8px; font-size: 0.88rem; color: rgba(255,255,255,.85); }
.hero-benefits svg { width: 18px; height: 18px; color: var(--gold); flex-shrink: 0; }
@media (max-width: 900px) {
  .hero-dark .hero-grid { grid-template-columns: 1fr; }
  .hero-dark .hero-photo { order: -1; aspect-ratio: 16/10; height: auto; margin-bottom: 8px; }
  .hero-nosotros .hero-photo { aspect-ratio: auto; }
}
.hero-dark .hero-photo.hero-photo-contain { aspect-ratio: auto; background: transparent; overflow: visible; display: flex; justify-content: center; }
.hero-dark .hero-photo.hero-photo-contain img { position: static; inset: auto; width: 100%; height: auto; max-height: 560px; object-fit: contain; border-radius: var(--radius-lg); }
@media (max-width: 900px) { .hero-dark .hero-photo.hero-photo-contain { aspect-ratio: auto; } .hero-dark .hero-photo.hero-photo-contain img { max-height: 420px; } }
.hero-nosotros .hero-photo { aspect-ratio: auto; }
.hero-nosotros .hero-photo img { position: static; inset: auto; width: 100%; height: auto; object-fit: contain; }

.btn-gold { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-gold:hover { background: var(--navy-2); color: var(--white); border-color: var(--navy-2); }
.btn-gold:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.btn-gold:active { background: var(--navy-2); color: var(--white); border-color: var(--navy-2); }
.btn-loan-cta { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-loan-cta:hover { background: var(--navy-2); color: var(--white); border-color: var(--navy-2); }
.btn-loan-cta:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.btn-loan-cta:active { background: var(--navy-2); color: var(--white); border-color: var(--navy-2); }

.hero-dark .btn-gold, .hero-dark .btn-loan-cta, .hero-dark .btn-primary, .cta-band .btn-gold, .cta-band .btn-loan-cta, .cta-band .btn-primary { background: var(--white); color: var(--navy); }
.hero-dark .btn-gold:hover, .hero-dark .btn-loan-cta:hover, .hero-dark .btn-primary:hover, .cta-band .btn-gold:hover, .cta-band .btn-loan-cta:hover, .cta-band .btn-primary:hover { background: var(--bg); color: var(--navy); }
.hero-dark .btn-gold:focus-visible, .hero-dark .btn-loan-cta:focus-visible, .hero-dark .btn-primary:focus-visible, .cta-band .btn-gold:focus-visible, .cta-band .btn-loan-cta:focus-visible, .cta-band .btn-primary:focus-visible { outline: 2px solid var(--white); outline-offset: 2px; }
.hero-dark .btn-gold:active, .hero-dark .btn-loan-cta:active, .hero-dark .btn-primary:active, .cta-band .btn-gold:active, .cta-band .btn-loan-cta:active, .cta-band .btn-primary:active { background: var(--bg); color: var(--navy); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--border-strong); }
.btn-outline:hover { border-color: var(--navy); }
.btn-ghost { background: transparent; color: var(--navy); padding: 10px 4px; }
.btn-ghost:hover { color: var(--blue); }
.btn-block { width: 100%; }
.btn-lg { padding: 16px 32px; font-size: 1rem; }
@media (hover: hover) {
  .btn:active { transform: scale(0.98); }
}
.btn:disabled { opacity: 0.5; cursor: not-allowed; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--bg);
  border-bottom: 1px solid var(--border);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 84px; gap: 24px; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand img { height: 40px; width: auto; }
.brand-word { font-family: var(--display); font-weight: 600; font-size: 1.05rem; color: var(--navy); letter-spacing: -0.01em; display: flex; flex-direction: column; line-height: 1.18; }
.brand-word b { color: var(--gold-deep); font-weight: 600; }

.main-nav { display: flex; align-items: center; gap: 30px; }
.main-nav a {
  font-size: 0.92rem; font-weight: 600; color: var(--text);
  padding: 6px 0; border-bottom: 2px solid transparent;
  transition: color 160ms, border-color 160ms;
}
.main-nav a:hover, .main-nav a[aria-current="page"] { color: var(--navy); border-color: var(--gold); }
.header-cta { display: flex; align-items: center; gap: 14px; }

.nav-toggle {
  display: none;
  background: none; border: none; cursor: pointer;
  width: 40px; height: 40px; align-items: center; justify-content: center;
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: ""; display: block; width: 22px; height: 2px; background: var(--navy);
  transition: transform 220ms var(--ease), opacity 220ms var(--ease);
  position: relative;
}
.nav-toggle span::before { position: absolute; top: -7px; }
.nav-toggle span::after { position: absolute; top: 7px; }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 900px) {
  .main-nav { position: fixed; inset: 84px 0 0 0; background: var(--bg); flex-direction: column; align-items: stretch; padding: 24px; gap: 4px; transform: translateY(-8px); opacity: 0; pointer-events: none; transition: opacity 200ms var(--ease), transform 200ms var(--ease); overflow-y: auto; }
  .main-nav.open { opacity: 1; transform: translateY(0); pointer-events: auto; }
  .main-nav a { padding: 14px 4px; border-bottom: 1px solid var(--border); }
  .header-cta .btn-outline { display: none; }
  .nav-toggle { display: inline-flex; }
}

/* Hero */
.hero { position: relative; overflow: hidden; padding: 72px 0 40px; }
.hero-copy h1 { margin-bottom: 20px; max-width: 20ch; }
.hero-copy p.lead { max-width: 56ch; margin-bottom: 32px; }
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 48px; align-items: start; }
.hero-photo { position: relative; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4/5; background: var(--border); }
.hero-photo img { position: absolute; inset: -1px; width: calc(100% + 2px); height: calc(100% + 2px); object-fit: cover; display: block; }
.page-hero.hero-grid { padding-top: 56px; }
.page-hero .hero-photo { aspect-ratio: 5/4; }
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-photo { aspect-ratio: 16/10; order: -1; margin-bottom: 8px; }
  .hero-photo.hero-photo-natural { aspect-ratio: auto; }
}
.hero-photo.hero-photo-natural { aspect-ratio: auto; }
.hero-photo.hero-photo-natural img { position: static; inset: auto; width: 100%; height: auto; object-fit: contain; }
/* Hero de préstamos: la foto original es muy panorámica (2048x768) y se veía chica
   junto al hero de inversión (1672x941). Se agranda igualando esa proporción visual,
   sin deformar (object-fit:cover conserva el aspecto, solo recorta los bordes laterales). */
.hero-photo.hero-photo-prestamos { aspect-ratio: 16/9; }
.hero-photo.hero-photo-prestamos img { position: absolute; inset: -1px; width: calc(100% + 2px); height: calc(100% + 2px); object-fit: cover; display: block; }
@media (max-width: 900px) {
  .hero-photo.hero-photo-prestamos { aspect-ratio: 16/10; }
}

/* Dos caminos */
.paths { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.path-card {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 36px; display: flex; flex-direction: column; gap: 14px;
  transition: border-color 200ms var(--ease), box-shadow 200ms var(--ease), transform 200ms var(--ease);
}
@media (hover: hover) {
  .path-card:hover { border-color: var(--gold); box-shadow: var(--shadow); transform: translateY(-3px); }
}
.path-card .icon { width: 52px; height: 52px; border-radius: 14px; background: var(--bg); display: flex; align-items: center; justify-content: center; color: var(--navy); }
.path-card .icon svg { width: 26px; height: 26px; }
.path-card h3 { font-size: 1.3rem; margin-bottom: 2px; }
.path-card p { margin-bottom: 8px; }
.path-card .btn { margin-top: auto; }
@media (max-width: 720px) { .paths { grid-template-columns: 1fr; } }

/* Trust bar */
.trust-bar { border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); background: var(--bg-card); }
.credibility-line { text-align: center; font-size: 0.8rem; font-weight: 600; color: var(--navy); padding-top: 18px; margin: 0; letter-spacing: 0.01em; }
.trust-list { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; padding: 12px 0 32px; }
.trust-item { text-align: center; padding: 0 10px; border-left: 1px solid var(--border); }
.trust-item:first-child { border-left: none; }
.trust-item .num { font-family: var(--display); font-size: 1.5rem; color: var(--navy); display: block; font-variant-numeric: tabular-nums; }
.trust-item .label { font-size: 0.78rem; color: var(--text-soft); margin-top: 4px; }
@media (max-width: 900px) { .trust-list { grid-template-columns: repeat(2, 1fr); } .trust-item { border-left: none; border-top: 1px solid var(--border); padding-top: 16px; } }

/* Pasos — timeline conectada */
.steps { display: grid; grid-template-columns: repeat(6, 1fr); gap: 20px; position: relative; }
.steps::before { content: ""; position: absolute; top: 17px; left: 10%; right: 10%; height: 1px; background: var(--border-strong); }
.step { position: relative; text-align: center; padding-top: 0; }
.step .step-num {
  position: relative; z-index: 1; width: 34px; height: 34px; margin: 0 auto 18px;
  border-radius: 50%; background: var(--bg); border: 1.5px solid var(--navy); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--display); font-size: 0.85rem; font-weight: 700;
}
.step:first-child .step-num { background: var(--navy); color: var(--white); }
.step h4 { margin-bottom: 6px; }
.step p { font-size: 0.92rem; }
@media (max-width: 980px) {
  .steps { grid-template-columns: repeat(2, 1fr); row-gap: 32px; }
  .steps::before { display: none; }
  .step { text-align: left; }
  .step .step-num { margin: 0 0 12px; }
}
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }

/* Línea de procesos — timeline estático de dos columnas */
.process-timeline { display: flex; gap: 0 48px; align-items: flex-start; }
.process-col { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 26px; }
.process-step { display: flex; gap: 16px; align-items: flex-start; }
.process-step-num {
  flex: none; width: 38px; height: 38px; border-radius: 50%; background: var(--navy); color: var(--white);
  font-weight: 700; font-size: 0.86rem; font-variant-numeric: tabular-nums;
  display: flex; align-items: center; justify-content: center;
}
.process-step-body h4 { font-size: 1.02rem; margin-bottom: 4px; }
.process-step-body p { margin: 0; color: var(--text-muted); font-size: 0.92rem; }
@media (max-width: 700px) {
  .process-timeline { flex-direction: column; gap: 26px; }
}

/* Timeline de 6 pasos en grid de 2 columnas — orden de DOM 1-6, siempre consecutivo
   incluso al apilarse en móvil (a diferencia del reparto manual en dos .process-col).
   grid-auto-flow: column hace que en escritorio la columna izquierda muestre 1-2-3
   y la derecha 4-5-6, en vez del reparto en fila (1-2 / 3-4 / 5-6) que se leía en zigzag. */
.process-timeline-grid { display: grid; grid-template-columns: 1fr 1fr; grid-template-rows: repeat(3, auto); grid-auto-flow: column; gap: 26px 48px; align-items: start; }
@media (max-width: 700px) { .process-timeline-grid { grid-template-columns: 1fr; grid-template-rows: none; grid-auto-flow: row; gap: 26px; } }

/* Secuencia lineal 1-2-3 en una sola columna, compacta — para secciones de pocos pasos */
.process-timeline-linear { display: flex; flex-direction: column; gap: 18px; max-width: 640px; margin-inline: auto; }

/* Cards generales / grid de info */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (min-width: 901px) { .card-grid.cols-4 { grid-template-columns: repeat(4, 1fr); } }
.info-card { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; }
.info-card h4 { margin-bottom: 8px; }
.info-card p { font-size: 0.92rem; margin-bottom: 0; }
.package-card { display: flex; flex-direction: column; height: 100%; }
.package-card h4 { margin-bottom: 8px; }
.package-card .package-desc { flex: 1; margin-bottom: 20px; }
.package-card .btn { align-self: flex-start; }
@media (max-width: 900px) { .card-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .card-grid { grid-template-columns: 1fr; } }

/* "Cómo y cuándo recibe sus pagos": 5 tarjetas, última fila centrada para
   que no quede "chimuela" con un hueco vacío a la derecha. */
#pagos-info .card-grid { grid-template-columns: repeat(6, 1fr); }
#pagos-info .info-card:nth-child(1),
#pagos-info .info-card:nth-child(2),
#pagos-info .info-card:nth-child(3) { grid-column: span 2; }
#pagos-info .info-card:nth-child(4) { grid-column: 2 / span 2; }
#pagos-info .info-card:nth-child(5) { grid-column: 4 / span 2; }
@media (max-width: 900px) {
  #pagos-info .card-grid { grid-template-columns: repeat(4, 1fr); }
  #pagos-info .info-card:nth-child(1),
  #pagos-info .info-card:nth-child(2) { grid-column: span 2; }
  #pagos-info .info-card:nth-child(3) { grid-column: 1 / span 2; }
  #pagos-info .info-card:nth-child(4) { grid-column: 3 / span 2; }
  #pagos-info .info-card:nth-child(5) { grid-column: 2 / span 2; }
}
@media (max-width: 600px) {
  #pagos-info .card-grid { grid-template-columns: 1fr; }
  #pagos-info .info-card { grid-column: auto; }
}

/* "Un equipo que respalda cada inversión": mismas 5 tarjetas, mismo problema
   de hueco vacío en la última fila. Reusa el patrón de #pagos-info. */
#nuestro-equipo .card-grid { grid-template-columns: repeat(6, 1fr); }
#nuestro-equipo .info-card:nth-child(1),
#nuestro-equipo .info-card:nth-child(2),
#nuestro-equipo .info-card:nth-child(3) { grid-column: span 2; }
#nuestro-equipo .info-card:nth-child(4) { grid-column: 2 / span 2; }
#nuestro-equipo .info-card:nth-child(5) { grid-column: 4 / span 2; }
@media (max-width: 900px) {
  #nuestro-equipo .card-grid { grid-template-columns: repeat(4, 1fr); }
  #nuestro-equipo .info-card:nth-child(1),
  #nuestro-equipo .info-card:nth-child(2) { grid-column: span 2; }
  #nuestro-equipo .info-card:nth-child(3) { grid-column: 1 / span 2; }
  #nuestro-equipo .info-card:nth-child(4) { grid-column: 3 / span 2; }
  #nuestro-equipo .info-card:nth-child(5) { grid-column: 2 / span 2; }
}
@media (max-width: 600px) {
  #nuestro-equipo .card-grid { grid-template-columns: 1fr; }
  #nuestro-equipo .info-card { grid-column: auto; }
}

/* Tarjetas de oportunidad de inversión — compactas */
#operaciones-vigentes { scroll-margin-top: 76px; }
#operaciones { display: block; height: 0; scroll-margin-top: 76px; }
.opportunity-grid { gap: 14px; }
.opportunity-card { display: flex; flex-direction: column; }
.opportunity-photo { aspect-ratio: 16 / 10; overflow: hidden; background: var(--border); }
.opportunity-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 40%; display: block; }
.opportunity-body { padding: 16px 18px 18px; display: flex; flex-direction: column; flex: 1; }
.opportunity-head { padding-bottom: 12px; margin-bottom: 14px; border-bottom: 1px solid var(--border); }
.opportunity-head .opp-label { display: block; font-size: 0.66rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-soft); margin-bottom: 3px; }
.opportunity-body .opportunity-head h4 { margin: 0; font-size: 1.3rem; font-weight: 800; line-height: 1.2; color: var(--navy); }
.opportunity-head .opp-city { font-size: 1.3rem; font-weight: 800; color: var(--navy); }
.opportunity-head .opp-zone { font-size: 0.95rem; font-weight: 500; color: var(--text-soft); margin-left: 2px; }
.opportunity-key { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 14px; margin-bottom: 14px; }
.opportunity-key span { display: flex; flex-direction: column; font-size: 0.66rem; font-weight: 500; color: var(--text-soft); text-transform: uppercase; letter-spacing: 0.08em; }
.opportunity-key span b { font-size: 1.12rem; font-weight: 800; line-height: 1.15; color: var(--navy); text-transform: none; letter-spacing: 0; margin-top: 3px; font-variant-numeric: tabular-nums; }
.opportunity-key span em { font-style: normal; font-size: 0.74rem; font-weight: 400; color: var(--text-soft); text-transform: none; letter-spacing: 0; margin-top: 2px; }
.opportunity-facts { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 14px; margin-bottom: 16px; }
.opportunity-facts span { display: flex; flex-direction: column; font-size: 0.66rem; font-weight: 500; color: var(--text-soft); text-transform: uppercase; letter-spacing: 0.08em; }
.opportunity-facts span.span-2 { grid-column: 1 / -1; }
.opportunity-facts span b { font-size: 0.98rem; color: var(--navy); font-weight: 700; text-transform: none; letter-spacing: 0; margin-top: 3px; font-variant-numeric: tabular-nums; }
.opportunity-actions { display: flex; gap: 10px; margin-top: auto; }
.opportunity-status { margin-top: auto; text-align: center; padding: 10px 8px; border: 1px solid var(--border); border-radius: var(--radius); font-size: 0.86rem; font-weight: 600; color: var(--text-soft); }
.opportunity-card-taken .opportunity-key span b, .opportunity-card-taken .opportunity-facts span b, .opportunity-card-taken .opportunity-head .opp-city { color: var(--text-soft); }
@media (max-width: 380px) { .opportunity-key, .opportunity-facts { grid-template-columns: 1fr; } }
.opportunity-actions .btn { flex: 1; padding-left: 8px; padding-right: 8px; font-size: 0.86rem; }
@media (max-width: 420px) { .opportunity-actions { flex-direction: column; } }

/* Modal de detalle / contacto de oportunidad (reutiliza estructura de comenzar-overlay) */
.opp-detail-facts { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 18px; margin: 18px 0; }
.opp-detail-facts span { display: flex; flex-direction: column; font-size: 0.74rem; color: var(--text-soft); text-transform: uppercase; letter-spacing: 0.04em; }
.opp-detail-facts span b { font-size: 1rem; color: var(--navy); font-weight: 700; text-transform: none; letter-spacing: 0; margin-top: 3px; font-variant-numeric: tabular-nums; }

.benefit-card {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px;
  text-align: center;
  transition: transform 200ms var(--ease), border-color 200ms var(--ease), box-shadow 200ms var(--ease);
}
.benefit-card:hover, .benefit-card:focus-visible { border-color: var(--gold); transform: translateY(-3px); box-shadow: var(--shadow); }
.benefit-card:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.benefit-card h4 { font-size: 1.05rem; font-weight: 700; letter-spacing: -0.01em; margin-bottom: 6px; color: var(--navy); }
.benefit-card p { font-size: 1rem; line-height: 1.55; color: var(--text-muted); margin-bottom: 0; }

.review-info-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.review-info-card {
  display: flex; gap: 14px; align-items: flex-start; background: var(--bg-card);
  border: 1px solid var(--border); border-radius: var(--radius); padding: 20px 22px;
}
.review-info-card .icon { flex: none; width: 38px; height: 38px; border-radius: 10px; background: var(--bg); display: flex; align-items: center; justify-content: center; color: var(--navy); }
.review-info-card .icon svg { width: 20px; height: 20px; }
.review-info-card p { margin: 0; font-size: 0.92rem; font-weight: 600; color: var(--text); line-height: 1.4; padding-top: 8px; }
@media (max-width: 700px) { .review-info-grid { grid-template-columns: 1fr; } }

.values-row { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 0; max-width: 780px; margin: 0 auto; }
.values-row span { font-family: var(--display); font-size: 1.05rem; color: var(--navy); padding: 6px 26px; position: relative; }
.values-row span:not(:first-child)::before { content: ""; position: absolute; left: 0; top: 50%; transform: translateY(-50%); width: 1px; height: 20px; background: var(--border-strong); }
@media (max-width: 700px) {
  .values-row { flex-direction: column; gap: 4px; }
  .values-row span:not(:first-child)::before { display: none; }
}

/* Bloques de datos (monto / plazo / tasa) */
.stat-blocks { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.stat-blocks.cols-4 { grid-template-columns: repeat(4, 1fr); }
.stat-block { background: var(--navy); color: var(--white); border-radius: var(--radius-lg); padding: 22px; height: 100%; }
.stat-block .stat-label { font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,.6); margin-bottom: 10px; display: block; }
.stat-block .stat-value { font-family: var(--display); font-size: clamp(1rem, 1.7vw, 1.5rem); line-height: 1.2; font-variant-numeric: tabular-nums; white-space: nowrap; }
.stat-block .stat-note { font-size: 0.84rem; color: rgba(255,255,255,.72); margin-top: 8px; }
@media (max-width: 900px) { .stat-blocks { grid-template-columns: 1fr; } .stat-blocks.cols-4 { grid-template-columns: 1fr; } }
@media (max-width: 1100px) and (min-width: 901px) { .stat-blocks.cols-4 { grid-template-columns: repeat(2, 1fr); } }

/* Calculadora */
.calculator {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 40px; box-shadow: var(--shadow);
  display: grid; grid-template-columns: 1fr 1fr; gap: 44px;
}
@media (max-width: 900px) { .calculator { grid-template-columns: 1fr; padding: 28px 22px; gap: 30px; } }

.calculator-compact { padding: 18px 22px; gap: 16px 22px; align-items: center; }
.wizard-simulator {
  background: none; border: none; box-shadow: none; padding: 0;
  grid-template-columns: 1fr 1fr; column-gap: 32px; row-gap: 22px; align-items: stretch;
}
.wizard-simulator .calc-inputs { justify-content: flex-start; }
.wizard-simulator .calc-results { padding: 22px 24px; display: flex; flex-direction: column; gap: 10px; }
.wizard-simulator .calc-results .btn-block { margin-top: auto; }
@media (max-width: 720px) {
  .wizard-simulator { grid-template-columns: 1fr; row-gap: 20px; }
}
.calculator-compact .calc-inputs { display: flex; flex-direction: column; gap: 14px; }
.calculator-compact .field { margin-bottom: 0; }
.calculator-compact .field label { margin-bottom: 4px; }
.calculator-compact .calc-results { padding: 12px 14px; display: flex; flex-direction: column; gap: 6px; }
.calculator-compact .calc-headline { padding-bottom: 6px; margin-bottom: 0; }
.calculator-compact .calc-headline .amount { font-size: 1.85rem; }
.calculator-compact .calc-row { padding: 5px 0; }
.calculator-compact .help { margin-top: 0; }
.calculator-compact .btn-block { margin-top: 0; }
@media (max-width: 900px) {
  .calculator-compact { padding: 16px; gap: 14px; }
  .calculator-compact .calc-stats { flex-wrap: wrap; }
  .calculator-compact .calc-stat { min-width: 30%; }
}

.calc-stats { display: flex; gap: 8px; }
.calc-stat { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 2px; padding: 6px 8px; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-sm); }
.calc-stat-label { font-size: 0.66rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text-soft); white-space: nowrap; }
.calc-stat-value { font-weight: 600; color: var(--navy); font-variant-numeric: tabular-nums; font-size: 0.86rem; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }

.field { margin-bottom: 26px; }
.field label { display: flex; justify-content: space-between; align-items: baseline; font-weight: 600; font-size: 0.9rem; margin-bottom: 10px; color: var(--navy); }
.field .field-value { font-variant-numeric: tabular-nums; color: var(--gold-deep); font-weight: 700; }
.field .help { font-size: 0.8rem; color: var(--text-soft); margin-top: 6px; }
.field .field-error { display: none; font-size: 0.8rem; color: #8A4B1E; margin: 6px 0 0; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: #C97A3A; }
.field.invalid .field-error { display: block; }
.field.field-locked label { color: var(--text-soft); }

input[type="range"] {
  width: 100%; appearance: none; height: 4px; background: var(--border-strong); border-radius: 2px; outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--navy);
  border: 3px solid var(--white); box-shadow: 0 0 0 1px var(--border-strong); cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%; background: var(--navy); border: 3px solid var(--white); cursor: pointer;
}

input[type="text"], input[type="tel"], input[type="email"], input[type="number"], select, textarea {
  width: 100%; font: inherit; padding: 13px 16px; border-radius: var(--radius-sm);
  border: 1px solid var(--border-strong); background: var(--white); color: var(--text);
  transition: border-color 160ms var(--ease);
}
select {
  appearance: none; -webkit-appearance: none; -moz-appearance: none;
  padding-right: 42px; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230B2D50' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; background-size: 16px;
}
select:disabled { cursor: not-allowed; opacity: 0.6; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(29,111,184,.15); }

.custom-select { position: relative; }
.custom-select-trigger {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 10px;
  font: inherit; padding: 13px 16px; border-radius: var(--radius-sm);
  border: 1px solid var(--border-strong); background: var(--white); color: var(--text);
  cursor: pointer; transition: border-color 160ms var(--ease);
}
.custom-select-trigger:focus-visible,
.custom-select.open .custom-select-trigger { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(29,111,184,.15); }
.custom-select-trigger:disabled { cursor: not-allowed; opacity: 0.6; }
.custom-select-value { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-align: left; }
.custom-select-value.placeholder { color: var(--text-soft); }
.custom-select-chevron { flex: none; width: 16px; height: 16px; color: var(--navy); transition: transform 160ms var(--ease); }
.custom-select-chevron svg { width: 100%; height: 100%; }
.custom-select.open .custom-select-chevron { transform: rotate(180deg); }
.custom-select-panel {
  position: absolute; top: calc(100% + 6px); left: 0; right: 0; z-index: 10;
  background: var(--white); border: 1px solid var(--border-strong); border-radius: var(--radius-sm);
  box-shadow: var(--shadow); max-height: 260px; overflow-y: auto; padding: 6px;
}
.custom-select-option {
  display: block; width: 100%; text-align: left; padding: 10px 12px; border-radius: var(--radius-sm);
  border: none; background: none; font: inherit; color: var(--text); cursor: pointer;
}
.custom-select-option:hover { background: var(--bg); }
.custom-select-option.selected { color: var(--navy); font-weight: 600; }
textarea { resize: vertical; min-height: 90px; }
.number-input { display: flex; align-items: center; gap: 8px; border: 1px solid var(--border-strong); border-radius: var(--radius-sm); padding: 4px; background: var(--white); }
.number-input span.prefix { color: var(--text-soft); font-weight: 600; padding: 0 4px; white-space: nowrap; }
.number-input input { border: none; padding: 9px 4px; box-shadow: none; flex: 1; min-width: 0; text-align: center; }
.number-input input:focus { outline: none; box-shadow: none; }
.number-input input[type="number"]::-webkit-inner-spin-button,
.number-input input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
.number-input input[type="number"] { -moz-appearance: textfield; }
.step-btn {
  flex: none; width: 44px; height: 44px; border: none; border-radius: var(--radius-sm);
  background: var(--bg); color: var(--navy); font-size: 1.3rem; line-height: 1; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background 160ms var(--ease), color 160ms var(--ease);
}
.step-btn:hover:not(:disabled) { background: var(--navy); color: var(--white); }
.step-btn:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.step-btn:disabled { opacity: 0.35; cursor: not-allowed; }

.calc-results { background: var(--bg); border-radius: var(--radius); padding: 26px; }
.calc-headline { border-bottom: 1px solid var(--border); padding-bottom: 20px; margin-bottom: 18px; }
.calc-headline .amount { font-family: var(--display); font-size: 2.4rem; color: var(--navy); font-variant-numeric: tabular-nums; }
.calc-headline .amount-label { font-size: 0.8rem; color: var(--text-soft); text-transform: uppercase; letter-spacing: 0.08em; }
.calc-row { display: flex; justify-content: space-between; padding: 9px 0; font-size: 0.92rem; border-bottom: 1px dashed var(--border); }
.calc-row:last-child { border-bottom: none; }
.calc-row .v { font-weight: 600; color: var(--navy); font-variant-numeric: tabular-nums; }
.calc-row-highlight .v { color: var(--gold-deep); font-size: 1.02rem; }
.calc-warning { margin-top: 14px; padding: 12px 14px; border-radius: var(--radius-sm); background: #FBF1DE; color: #6B4A16; font-size: 0.84rem; border: 1px solid #E9CE9A; }
.calc-warning[hidden] { display: none; }
.calc-commission-note { margin: 14px 0 0; padding: 12px 14px; border-radius: var(--radius-sm); background: var(--bg); color: var(--text-muted); font-size: 0.8rem; line-height: 1.5; }
.calc-loan-note { margin: 8px 0 0; padding: 8px 12px; border-radius: var(--radius-sm); background: rgba(11, 45, 80, 0.06); color: var(--navy); font-size: 0.78rem; line-height: 1.45; font-weight: 500; }

/* Wizard de precalificación */
.wizard-container { max-width: 620px; margin: 0 auto; transition: max-width 200ms var(--ease); }
.wizard-container.is-wide { max-width: 900px; }
.wizard { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 40px; box-shadow: var(--shadow); max-width: 100%; }
@media (max-width: 640px) { .wizard { padding: 26px 20px; } }
.wizard-progress { display: flex; gap: 6px; margin-bottom: 30px; }
.wizard-progress span { height: 3px; flex: 1; border-radius: 2px; background: var(--border); transition: background 220ms var(--ease); }
.wizard-progress span.done { background: var(--gold); }
.wizard-progress span.current { background: var(--navy); }
.wizard-step { display: none; }
.wizard-step.active { display: block; animation: fadeStep 260ms var(--ease); }
@keyframes fadeStep { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }
.wizard-step .q { font-family: var(--display); font-size: 1.35rem; color: var(--navy); margin-bottom: 22px; }
.option-list { display: flex; flex-direction: column; gap: 10px; }
.option-card {
  display: flex; align-items: center; gap: 12px; padding: 15px 18px; border: 1px solid var(--border-strong);
  border-radius: var(--radius-sm); cursor: pointer; transition: border-color 160ms var(--ease), background 160ms var(--ease);
}
.option-card:hover { border-color: var(--blue); }
.option-card input { accent-color: var(--navy); width: 18px; height: 18px; flex: none; }
.option-card.selected { border-color: var(--navy); background: var(--bg); }

.wizard-form .field { margin-bottom: 16px; }
.wizard-form .field > label { display: block; font-weight: 600; font-size: 0.92rem; color: var(--navy); margin-bottom: 10px; }
.wizard-form .field:has(> .pill-select) { text-align: center; }
.pill-select { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px; }
.pill-option {
  background: var(--white); border: 1px solid var(--border-strong); border-radius: 999px;
  padding: 10px 16px; font-size: 0.86rem; font-weight: 600; color: var(--text); cursor: pointer;
  transition: border-color 160ms var(--ease), background 160ms var(--ease), color 160ms var(--ease);
}
.pill-option:hover { border-color: var(--blue); }
.pill-option.selected { background: var(--navy); border-color: var(--navy); color: var(--white); }
.field.invalid .pill-select { outline: 2px solid #C97A3A; outline-offset: 4px; border-radius: 999px; }
.field.invalid .custom-select-trigger { border-color: #C97A3A; }
.sunarp-hint {
  display: flex; gap: 8px; align-items: flex-start; margin-top: 10px; padding: 10px 12px;
  background: var(--bg); border-radius: var(--radius-sm); font-size: 0.8rem; color: var(--text-muted); line-height: 1.5;
}
.sunarp-hint[hidden] { display: none; }
.sunarp-hint svg { width: 16px; height: 16px; flex: none; margin-top: 1px; color: var(--gold-deep); }
.sunarp-hint a { color: var(--blue); font-weight: 600; text-decoration: underline; }

.wizard-notice {
  display: flex; gap: 12px; align-items: flex-start; padding: 16px; margin-bottom: 22px;
  background: var(--bg); border-radius: var(--radius-sm); border: 1px solid var(--border);
  font-size: 0.95rem; color: var(--text); line-height: 1.5;
}
.wizard-notice svg { flex: none; width: 22px; height: 22px; margin-top: 1px; color: var(--gold-deep); }
.wizard-notice p { margin: 0; }
.wizard-notice.sim-key-facts p { margin: 0 0 6px; font-size: 0.92rem; }
.wizard-notice.sim-key-facts p:last-child { margin-bottom: 0; }
.wizard-notice.sim-key-facts p strong { color: var(--navy); }
.wizard-actions { display: flex; justify-content: space-between; align-items: center; margin-top: 20px; gap: 12px; }
.wizard-summary { background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 6px 18px; margin-bottom: 26px; }
.wizard-summary-title { font-size: 0.8rem; font-weight: 700; color: var(--text-soft); text-transform: uppercase; letter-spacing: 0.06em; margin: 14px 0 8px; }
.wizard-summary-row { display: flex; align-items: center; gap: 10px; padding: 10px 0; border-top: 1px dashed var(--border); }
.wizard-summary-row:first-of-type { border-top: none; }
.wizard-summary-label { font-size: 0.86rem; color: var(--text-soft); flex: none; width: 40%; }
.wizard-summary-value { font-size: 0.9rem; font-weight: 600; color: var(--navy); flex: 1; }
.wizard-summary-edit { background: none; border: none; color: var(--blue); font-weight: 600; font-size: 0.82rem; cursor: pointer; padding: 4px 0; font-family: inherit; }
.wizard-summary-edit:hover { text-decoration: underline; }
.wizard-result { text-align: center; padding: 10px 0; }
.wizard-result .status-icon { display: inline-flex; width: 40px; height: 40px; margin: 0 auto 18px; color: var(--success); flex: none; }
.wizard-result .status-icon svg { width: 100%; height: 100%; }
.wizard-result.unqualified .status-icon { color: var(--gold-deep); }
.wizard-result h3 { font-size: 1.5rem; }
.wizard-result.compact { padding: 4px 0; }
.wizard-result.compact .wizard-result-title-row { display: flex; align-items: center; justify-content: center; gap: 10px; }
.wizard-result.compact .status-icon { width: 26px; height: 26px; margin: 0; }
.wizard-result.compact h3 { font-size: 1.2rem; margin: 0; }
.wizard-result.compact > p { margin-top: 10px; }
.wizard-result .legal-note-discreet { font-size: 0.78rem; color: var(--text-soft); margin-top: 10px; }
.wizard-result-actions { display: flex; flex-direction: column; gap: 12px; margin-top: 26px; max-width: 340px; margin-inline: auto; }
.wizard-opportunities { margin-top: 30px; max-width: 420px; margin-inline: auto; text-align: left; }
.wizard-opportunities h4 { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text-soft); margin-bottom: 10px; text-align: center; }
.wizard-opportunity-row {
  display: flex; align-items: center; justify-content: space-between; gap: 10px;
  padding: 12px 14px; border: 1px solid var(--border); border-radius: var(--radius-sm); margin-bottom: 8px;
  color: var(--text); text-decoration: none; font-size: 0.88rem; transition: border-color 160ms var(--ease);
}
.wizard-opportunity-row:hover { border-color: var(--gold); }
.wizard-opportunity-row .v { color: var(--text-soft); flex: none; }
.consent-row { display: flex; align-items: flex-start; gap: 12px; font-size: 0.95rem; color: var(--text); margin-top: 4px; padding: 10px; border-radius: var(--radius-sm); border: 1px solid transparent; transition: background 160ms var(--ease), border-color 160ms var(--ease); cursor: pointer; }
.consent-row input { margin-top: 2px; accent-color: var(--navy); width: 20px; height: 20px; flex: none; cursor: pointer; }
.consent-row input:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.consent-row.invalid { background: rgba(201,122,58,0.1); border-color: #C97A3A; }

.tel-pe-input .prefix { font-weight: 600; }
.other-input-wrap { margin-top: 10px; }
.other-input-wrap input { width: 100%; }

/* Layout de wizard */
.wizard-layout { max-width: 620px; margin: 0 auto; }

/* Contacto — selector */
.interest-select { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; max-width: 760px; margin: 0 auto; }
@media (max-width: 700px) { .interest-select { grid-template-columns: 1fr; } }

/* Formulario de registro de interés (oportunidades futuras) */
.registro-layout { display: flex; justify-content: center; }
.registro-layout .interest-form, .registro-layout .form-success { width: 100%; max-width: 640px; min-width: 320px; }

.interest-form { max-width: 640px; margin: 0 auto; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 34px 36px; box-shadow: var(--shadow); }
@media (max-width: 640px) { .interest-form { padding: 26px 22px; } }
.interest-form .field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
@media (max-width: 560px) { .interest-form .field-row { grid-template-columns: 1fr; } }
.interest-form.compact { padding: 24px 28px; }
.interest-form.compact .field { margin-bottom: 16px; }
.interest-form.compact .field-row { gap: 16px; }
.interest-form.compact .field label { margin-bottom: 6px; font-size: 0.86rem; }
.interest-form.compact input, .interest-form.compact select { padding: 10px 14px; }
.interest-form.compact .number-input input { padding: 7px 4px; }
@media (max-width: 560px) { .interest-form.compact { padding: 20px; } }
.checkbox-chip-list { display: flex; flex-wrap: wrap; gap: 8px; }
.checkbox-chip { position: relative; }
.checkbox-chip input { position: absolute; opacity: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.checkbox-chip span {
  display: inline-block; background: var(--white); border: 1px solid var(--border-strong); border-radius: 999px;
  padding: 10px 16px; font-size: 0.86rem; font-weight: 600; color: var(--text); cursor: pointer;
  transition: border-color 160ms var(--ease), background 160ms var(--ease), color 160ms var(--ease);
}
.checkbox-chip input:hover + span { border-color: var(--blue); }
.checkbox-chip input:checked + span { background: var(--navy); border-color: var(--navy); color: var(--white); }
.checkbox-chip input:focus-visible + span { outline: 2px solid var(--gold); outline-offset: 2px; }
.field.invalid .checkbox-chip-list { outline: 2px solid #C97A3A; outline-offset: 4px; border-radius: 999px; }
.form-success {
  max-width: 640px; margin: 0 auto; text-align: center; background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 44px 36px; box-shadow: var(--shadow);
}
.form-success .status-icon { display: inline-flex; width: 40px; height: 40px; margin-bottom: 16px; color: var(--success); }
.form-success .status-icon svg { width: 100%; height: 100%; }
.form-success h3 { font-size: 1.3rem; margin-bottom: 8px; }
.form-success p { margin: 0; color: var(--text-muted); }
.form-error { display: none; font-size: 0.86rem; color: #8A4B1E; margin-top: 14px; text-align: center; }
.form-error.visible { display: block; }
.hp-field { position: absolute; width: 1px; height: 1px; overflow: hidden; opacity: 0; pointer-events: none; }
.interest-card {
  display: block; text-align: left; background: var(--bg-card); border: 2px solid var(--border); border-radius: var(--radius-lg);
  padding: 32px; cursor: pointer; text-decoration: none; color: inherit;
  transition: border-color 200ms var(--ease), transform 200ms var(--ease);
}
.interest-card:hover { border-color: var(--gold); transform: translateY(-2px); }
.interest-card .icon { width: 48px; height: 48px; border-radius: 12px; background: var(--bg); display: flex; align-items: center; justify-content: center; color: var(--navy); margin-bottom: 16px; }

/* FAQ */
.faq-toolbar { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; margin-bottom: 34px; }
#faq-listing { padding-top: 16px; }
#faq-listing .faq-toolbar { margin-bottom: 22px; }
.faq-search { flex: 1 1 360px; position: relative; }
.faq-search input { height: 56px; padding: 0 20px 0 52px; font-size: 1.05rem; border-radius: var(--radius); width: 100%; }
.faq-search input[type="search"] { -webkit-appearance: none; appearance: none; }
.faq-search input[type="search"]::-webkit-search-decoration,
.faq-search input[type="search"]::-webkit-search-cancel-button,
.faq-search input[type="search"]::-webkit-search-results-button,
.faq-search input[type="search"]::-webkit-search-results-decoration { display: none; }
.faq-search svg { position: absolute; left: 18px; top: 50%; transform: translateY(-50%); width: 22px; height: 22px; color: var(--text-soft); pointer-events: none; }
.faq-filters { display: flex; gap: 10px; flex-wrap: wrap; }
.faq-filter { padding: 9px 16px; border-radius: 999px; border: 1px solid var(--border-strong); background: var(--white); font-size: 0.82rem; font-weight: 600; cursor: pointer; color: var(--text-muted); }
.faq-filter.active { background: var(--navy); color: var(--white); border-color: var(--navy); }
.faq-category h3 { margin: 34px 0 14px; }
.faq-category:first-child h3 { margin-top: 0; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px;
  padding: 18px 4px; background: none; border: none; text-align: left; cursor: pointer;
  font-weight: 600; color: var(--navy); font-size: 0.98rem;
}
.faq-q .plus { flex: none; width: 20px; height: 20px; position: relative; }
.faq-q .plus::before, .faq-q .plus::after { content: ""; position: absolute; background: var(--navy); transition: transform 220ms var(--ease); }
.faq-q .plus::before { top: 9px; left: 0; width: 20px; height: 2px; }
.faq-q .plus::after { top: 0; left: 9px; width: 2px; height: 20px; }
.faq-item.open .plus::after { transform: rotate(90deg); opacity: 0; }
.faq-a-wrap { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 260ms var(--ease); }
.faq-item.open .faq-a-wrap { grid-template-rows: 1fr; }
.faq-a-inner { overflow: hidden; }
.faq-a { padding: 0 4px 20px; color: var(--text-muted); font-size: 0.94rem; }
.faq-empty { display: none; text-align: center; padding: 40px 0; color: var(--text-soft); }
.faq-empty.show { display: block; }
.faq-columns { display: flex; gap: 0 32px; align-items: flex-start; }
.faq-col { flex: 1; min-width: 0; }
@media (max-width: 760px) { .faq-columns { flex-direction: column; } }

/* FAQ — cabecera y listado compactos (/preguntas-frecuentes) */
.page-hero.compact { padding: 22px 0 14px; }
.page-hero.compact h1 { font-size: clamp(1.7rem, 3.4vw, 2.3rem); margin-bottom: 0; }
.page-hero.compact .eyebrow { margin-bottom: 8px; }
#faq-listing { padding-top: 40px; }
#faq-listing .faq-toolbar { margin-bottom: 36px; }
#faq-listing .faq-columns { display: flex; gap: 0 24px; align-items: flex-start; }
#faq-listing .faq-col { flex: 1; min-width: 0; }
#faq-listing .faq-item {
  border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 0 16px; margin-bottom: 10px; background: var(--white);
}
#faq-listing .faq-q { padding: 15px 2px; font-size: 0.92rem; }
#faq-listing .faq-a { padding: 0 2px 15px; }
@media (max-width: 760px) {
  #faq-listing .faq-columns { flex-direction: column; }
}

/* Oficinas */
.offices { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
@media (max-width: 760px) { .offices { grid-template-columns: 1fr; } }
.office-card { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; }
.office-card .office-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gold-deep); font-weight: 700; margin-bottom: 8px; }
.office-card address { font-style: normal; color: var(--text); margin-bottom: 10px; }
.office-card .hours { font-size: 0.88rem; color: var(--text-muted); }

/* Aviso legal / riesgo */
.legal-panel { background: rgba(214,168,75,0.07); border: 1px solid rgba(214,168,75,0.35); border-radius: var(--radius-sm); padding: 26px 28px; }
.legal-panel h3, .legal-panel h4 { margin-bottom: 10px; font-size: 1.05rem; }
.legal-panel p { font-size: 0.9rem; margin-bottom: 10px; }
.legal-panel p:last-child { margin-bottom: 0; }
.legal-panel.risk { background: rgba(29,111,184,0.06); border-color: rgba(29,111,184,0.3); }

.blog-subscribe-card { padding: 36px 32px; }
.blog-subscribe-form { margin-top: 22px; text-align: left; }
.blog-subscribe-row { display: flex; gap: 10px; }
.blog-subscribe-row input { flex: 1; }
.blog-subscribe-row .btn { flex: none; }
@media (max-width: 560px) { .blog-subscribe-row { flex-direction: column; } .blog-subscribe-row .btn { width: 100%; } }

/* Footer */
.site-footer { background: var(--navy); color: rgba(255,255,255,.82); padding: 64px 0 96px; margin-top: 40px; }
@media (max-width: 560px) { .site-footer { padding-bottom: 110px; } }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.14); }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.footer-brand img { height: 46px; }
.footer-brand span { font-family: var(--display); color: var(--white); font-size: 1.1rem; }
.footer-desc { color: rgba(255,255,255,.62); font-size: 0.88rem; max-width: 34ch; margin: 0; }
.footer-mail { margin: 12px 0 0; font-size: 0.88rem; }
.footer-mail a { color: rgba(255,255,255,.82); text-decoration: underline; text-underline-offset: 3px; }
.footer-mail a:hover { color: #fff; }
.contact-mail a { font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.site-footer p { color: rgba(255,255,255,.62); font-size: 0.88rem; }
.site-footer h4 { color: var(--white); font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 16px; }
.footer-links { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.footer-links a[href^="tel:"] { white-space: nowrap; }
.footer-links a { color: rgba(255,255,255,.78); font-size: 0.92rem; }
.footer-links a:hover { color: var(--gold); }
.footer-offices { display: flex; flex-direction: column; gap: 18px; }
.footer-office-sede { color: var(--white); font-weight: 700; font-size: 0.92rem; margin: 0 0 4px; }
.footer-office-dir { color: rgba(255,255,255,.62); font-size: 0.86rem; margin: 0 0 6px; }
.footer-office-tel { display: block; color: rgba(255,255,255,.78); font-size: 0.92rem; white-space: nowrap; margin-bottom: 10px; }
.footer-office-tel:hover { color: var(--gold); }
.footer-office-links { display: flex; gap: 8px; }
.footer-office-links a { width: 28px; height: 28px; border-radius: 50%; border: 1px solid rgba(255,255,255,.2); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.72); transition: border-color 150ms var(--ease), color 150ms var(--ease); }
.footer-office-links a:hover { border-color: var(--gold); color: var(--gold); }
.footer-office-links svg { width: 14px; height: 14px; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; padding-top: 24px; flex-wrap: wrap; gap: 14px; }
.footer-social { display: flex; gap: 12px; }
.footer-social a { width: 34px; height: 34px; border-radius: 50%; border: 1px solid rgba(255,255,255,.2); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.72); transition: border-color 150ms var(--ease), color 150ms var(--ease); }
.footer-social a:hover { border-color: var(--gold); color: var(--gold); }
.footer-social svg { width: 16px; height: 16px; }
.footer-bottom p { margin: 0; font-size: 0.8rem; }
.footer-legal-links { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-legal-links a { font-size: 0.8rem; color: rgba(255,255,255,.6); }
.footer-legal-links a:hover { color: var(--white); }

/* WhatsApp flotante */
.wa-float {
  position: fixed; bottom: 24px; right: 24px; z-index: 90;
  display: flex; align-items: center; gap: 10px;
  background: var(--navy); color: var(--white); border-radius: 999px;
  padding: 15px 22px 15px 16px; box-shadow: var(--shadow-lg);
  transition: transform 180ms var(--ease), background 180ms var(--ease);
  font-weight: 600; font-size: 0.9rem;
}
.wa-float:hover { background: var(--navy-2); transform: translateY(-2px); }
.wa-float svg { width: 22px; height: 22px; color: var(--gold); flex: none; }
@media (max-width: 560px) {
  .wa-float span.wa-label { display: none; }
  .wa-float { padding: 15px; }
}

/* Breadcrumbs / page hero secundario */
.page-hero { padding: 56px 0 20px; }
.page-hero .eyebrow { margin-bottom: 12px; }
.page-hero p.lead { max-width: 60ch; }
.package-hero p.lead { font-size: 1.3rem; }

.package-detail-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 36px 56px; }
.package-detail-block h2 { margin-top: 0; }
.package-detail-block p { margin-bottom: 0; }
@media (max-width: 760px) { .package-detail-grid { grid-template-columns: 1fr; gap: 26px; } }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 32px; } }

.mv-block { display: grid; grid-template-columns: 1fr 1fr; gap: 0; }
.mv-col { padding: 4px 40px; }
.mv-col:first-child { padding-left: 0; }
.mv-col + .mv-col { border-left: 1px solid rgba(255,255,255,.18); }
.mv-col h3 { color: var(--gold); font-size: 1.15rem; margin-bottom: 10px; }
.mv-col p { color: rgba(255,255,255,.8); margin: 0; }
@media (max-width: 900px) {
  .mv-block { grid-template-columns: 1fr; gap: 28px; }
  .mv-col { padding: 0; }
  .mv-col + .mv-col { border-left: none; border-top: 1px solid rgba(255,255,255,.18); padding-top: 28px; }
}

.checklist { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 14px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; font-size: 0.95rem; color: var(--text); }
.checklist li svg { flex: none; width: 18px; height: 18px; margin-top: 3px; color: var(--gold-deep); }
#requisitos .checklist li { font-weight: 600; }
.review-checklist-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 24px; }
@media (max-width: 700px) { .review-checklist-grid { grid-template-columns: 1fr; } }

.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius); background: var(--bg-card); }
table.spec-table { width: 100%; border-collapse: collapse; min-width: 480px; }
table.spec-table th, table.spec-table td { text-align: left; padding: 14px 20px; font-size: 0.9rem; border-bottom: 1px solid var(--border); }
table.spec-table th { color: var(--text-soft); font-weight: 600; text-transform: uppercase; font-size: 0.72rem; letter-spacing: 0.06em; }
table.spec-table td { font-variant-numeric: tabular-nums; color: var(--text); }
table.spec-table tr:last-child td { border-bottom: none; }

.cta-band { background: var(--navy); border-radius: var(--radius-lg); padding: 56px; display: flex; justify-content: space-between; align-items: center; gap: 30px; color: var(--white); position: relative; overflow: hidden; }
.cta-band h2 { color: var(--white); margin-bottom: 8px; }
.cta-band p { color: rgba(255,255,255,.72); margin-bottom: 0; }
.cta-band .btns { display: flex; gap: 12px; flex: none; }
@media (max-width: 760px) { .cta-band { flex-direction: column; text-align: center; padding: 40px 26px; } .cta-band .btns { flex-direction: column; width: 100%; } }
.cta-band.compact { padding: 24px 34px; }
.cta-band.compact h2 { margin-bottom: 0; font-size: clamp(1.3rem, 2.4vw, 1.6rem); }
@media (max-width: 760px) { .cta-band.compact { padding: 26px 24px; } }

.skip-link {
  position: absolute; left: -9999px; top: 0; background: var(--navy); color: var(--white);
  padding: 12px 20px; z-index: 200; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

[data-anim="reveal"] { opacity: 0; transform: translateY(16px); transition: opacity 600ms var(--ease), transform 600ms var(--ease); }
[data-anim="reveal"].in-view { opacity: 1; transform: translateY(0); }

.article-tag { display: inline-block; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; padding: 4px 12px; border-radius: 999px; margin-bottom: 14px; }
.article-tag.tag-investor { background: var(--gold); color: var(--navy); }
.article-tag.tag-borrower { background: var(--blue); color: var(--white); }
.article-card { display: flex; flex-direction: column; height: 100%; padding: 0; overflow: hidden; }
.article-card .article-card-image { aspect-ratio: 3/2; overflow: hidden; }
.article-card .article-card-image img { width: 100%; height: 100%; object-fit: cover; display: block; }
.article-card .article-card-body { padding: 22px 24px 24px; display: flex; flex-direction: column; flex: 1; }
.article-card .excerpt { color: var(--text-soft); flex: 1; }
.article-card .read-more { margin-top: 16px; font-weight: 600; color: var(--navy); text-decoration: none; }
.article-card .read-more:hover { color: var(--blue); }
.article-body { max-width: 760px; font-size: 1.08rem; line-height: 1.7; }
.article-body h2 { margin-top: 40px; }
.article-body p { margin-bottom: 22px; }
@media (max-width: 600px) { .article-body { font-size: 1.02rem; line-height: 1.65; } }

/* Artículo de blog — cabecera compacta + imagen ancha superior */
.page-hero.article-hero { padding-bottom: 0; }
.page-hero.article-hero h1 { font-size: clamp(1.7rem, 3.6vw, 2.4rem); margin-bottom: 10px; }
.article-meta-row { display: flex; align-items: center; gap: 14px; margin-bottom: 14px; }
.article-meta-row .btn-ghost { padding: 0; }
.article-meta-row .article-tag { margin-bottom: 0; }
.article-image-section { padding-top: 22px; }
.article-hero-photo { border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 21/9; }
.article-hero-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
@media (max-width: 700px) { .article-hero-photo { aspect-ratio: 16/10; } }

.comenzar-overlay { position: fixed; inset: 0; background: rgba(11,45,80,.55); z-index: 500; display: flex; align-items: center; justify-content: center; padding: 20px; }
.comenzar-overlay[hidden] { display: none; }
.comenzar-modal { background: var(--white); border-radius: var(--radius-lg); max-width: 480px; width: 100%; max-height: 88vh; overflow-y: auto; padding: 36px 32px; position: relative; }
.comenzar-close { position: absolute; top: 16px; right: 16px; width: 32px; height: 32px; border-radius: 999px; border: 1px solid var(--border); background: var(--white); font-size: 1.1rem; line-height: 1; color: var(--text-soft); cursor: pointer; }
.comenzar-close:hover { color: var(--navy); border-color: var(--navy); }
.comenzar-step h3 { margin-bottom: 8px; }
.comenzar-step p.lead-sm { color: var(--text-soft); font-size: 0.92rem; margin-bottom: 24px; }
.comenzar-choices { display: flex; flex-direction: column; gap: 12px; margin-top: 20px; }
.comenzar-choice { display: flex; align-items: center; gap: 14px; padding: 18px 20px; border: 1px solid var(--border-strong); border-radius: var(--radius); background: var(--white); cursor: pointer; text-align: left; font-family: inherit; font-size: 1rem; font-weight: 600; color: var(--navy); transition: border-color 180ms var(--ease), background 180ms var(--ease); }
.comenzar-choice:hover { border-color: var(--gold); background: var(--bg); }
.comenzar-choice svg { width: 26px; height: 26px; flex-shrink: 0; color: var(--gold-deep); }
.comenzar-back { background: none; border: none; color: var(--text-soft); font-weight: 600; cursor: pointer; padding: 4px 0; margin-bottom: 18px; font-size: 0.9rem; font-family: inherit; }
.comenzar-back:hover { color: var(--navy); }
.comenzar-note { background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 12px 14px; font-size: 0.84rem; color: var(--text-soft); margin: 18px 0; }
.cobranza-steps { display: flex; flex-direction: column; gap: 18px; }
.cobranza-step { display: flex; gap: 14px; align-items: flex-start; }
.cobranza-step-num { flex: none; width: 26px; height: 26px; border-radius: 999px; background: var(--navy); color: #fff; font-size: 0.82rem; font-weight: 700; display: flex; align-items: center; justify-content: center; margin-top: 2px; }
.cobranza-step h4 { margin: 0 0 4px; font-size: 0.98rem; }
.cobranza-step p { margin: 0; font-size: 0.9rem; color: var(--text-muted); }
.comenzar-result { text-align: center; }
.comenzar-result .status-icon { display: block; width: 56px; height: 56px; margin: 0 auto 16px; }
.comenzar-result .status-icon svg { width: 100%; height: 100%; }
.comenzar-result.blocked .status-icon { color: var(--gold-deep); }
.comenzar-result.ok .status-icon { color: var(--success); }
@media (max-width: 520px) { .comenzar-modal { padding: 28px 22px; } }

/* Modal de oportunidad (Inversiones): versión sobria y compacta. Acotado a .opp-modal
   para no afectar a los demás modales que comparten .comenzar-modal. */
.opp-modal { max-width: 440px; padding: 26px 24px 20px; border-radius: 14px; overscroll-behavior: contain; }
.opp-modal .comenzar-close { top: 12px; right: 12px; width: 28px; height: 28px; font-size: 1rem; }
.opp-modal .comenzar-step h3 { font-size: 1.15rem; line-height: 1.25; margin-bottom: 4px; padding-right: 34px; }
.opp-modal .comenzar-step p.lead-sm { font-size: 0.84rem; margin-bottom: 16px; }
.opp-modal .field { margin-bottom: 14px; }
.opp-modal .field label { font-size: 0.8rem; font-weight: 600; line-height: 1.35; margin-bottom: 6px; }
.opp-modal input[type="text"], .opp-modal input[type="tel"], .opp-modal input[type="email"] { padding: 9px 12px; font-size: 0.92rem; }
.opp-modal .pill-select { display: grid; grid-template-columns: 1fr 1fr; gap: 6px; }
.opp-modal .pill-option { display: flex; align-items: center; justify-content: center; min-height: 34px; padding: 6px 8px; border-radius: 8px; font-size: 0.76rem; font-weight: 500; line-height: 1.2; text-align: center; }
.opp-modal .field.invalid .pill-select { outline-offset: 3px; border-radius: 8px; }
.opp-modal .consent-row { gap: 10px; padding: 8px 10px; margin-top: 0; font-size: 0.8rem; line-height: 1.4; color: var(--text-soft); }
.opp-modal .consent-row input { width: 16px; height: 16px; }
.opp-modal .comenzar-choices { margin-top: 14px; gap: 10px; }
.opp-modal .btn-block { padding: 11px 20px; font-size: 0.92rem; }
.opp-modal .comenzar-back { margin-bottom: 0; font-size: 0.82rem; }
.opp-modal .opp-detail-facts { margin: 14px 0; gap: 8px 16px; }
@media (max-width: 520px) { .opp-modal { padding: 22px 18px 16px; } }

/* Sin desplazamiento horizontal: el ancho de la página nunca debe pasar del viewport.
   - El campo trampa (honeypot) quedaba al 100% de ancho fuera de pantalla a la derecha.
   - Los hijos de grids 1fr podían ensanchar la columna más allá del ancho disponible. */
html, body { max-width: 100%; }
input.hp-field, .hp-field {
  position: absolute !important; left: -9999px !important; top: auto !important;
  width: 1px !important; height: 1px !important; padding: 0 !important; border: 0 !important;
  overflow: hidden !important; opacity: 0; pointer-events: none;
}
.hero-grid > *, .hero-dark .hero-grid > *, .calculator > *, .calc-inputs > *, .calc-results > * { min-width: 0; }
.calc-inputs, .calc-results { max-width: 100%; }
.btn { max-width: 100%; }
@media (max-width: 400px) { .btn-lg { white-space: normal; text-align: center; padding-left: 20px; padding-right: 20px; } }
@media (max-width: 360px) {
  .header-cta { gap: 8px; }
  .header-cta .btn { padding-left: 14px; padding-right: 14px; }
}