/* ============================================================
   MIRVAL CAPITAL — Hoja de estilos principal
   Paleta tomada del logotipo oficial:
   verde #00B187 · gris #5A5C60
   ============================================================ */

:root{
  --verde:#00B187;
  --verde-700:#008A69;
  --verde-600:#009A76;
  --verde-300:#4FD3B0;
  --verde-100:#E4F7F1;

  --tinta:#0A1A1F;
  --tinta-800:#0E242B;
  --tinta-700:#153039;
  --tinta-600:#1E4049;

  --gris:#5A5C60;
  --gris-500:#6B7076;
  --gris-400:#98A0A6;
  --gris-200:#D9DEE1;
  --gris-100:#EEF1F2;
  --hueso:#F6F8F8;
  --blanco:#FFFFFF;

  --radio:16px;
  --radio-sm:10px;
  --radio-lg:24px;
  --sombra-sm:0 1px 2px rgba(10,26,31,.06), 0 2px 8px rgba(10,26,31,.05);
  --sombra:0 4px 12px rgba(10,26,31,.06), 0 18px 40px -18px rgba(10,26,31,.22);
  --sombra-lg:0 30px 70px -30px rgba(10,26,31,.45);

  --ancho:1180px;
  --fuente:"Inter","SF Pro Display",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;

  --nav-h:76px;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
section[id],div[id]{scroll-margin-top:calc(var(--nav-h) + 12px)}
body{
  margin:0;font-family:var(--fuente);color:var(--tinta);background:var(--blanco);
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img{max-width:100%;display:block;height:auto}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer}
h1,h2,h3,h4{margin:0;line-height:1.14;letter-spacing:-.025em;font-weight:750}
p{margin:0}
ul{margin:0;padding:0;list-style:none}
::selection{background:var(--verde);color:#fff}

.contenedor{width:100%;max-width:var(--ancho);margin:0 auto;padding:0 24px}
.seccion{padding:104px 0}
.seccion--compacta{padding:76px 0}
.seccion--hueso{background:var(--hueso)}
.seccion--tinta{background:var(--tinta);color:#fff}
.seccion--tinta h2,.seccion--tinta h3{color:#fff}

/* ---------- Tipografía utilitaria ---------- */
.kicker{
  display:inline-flex;align-items:center;gap:9px;
  font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--verde-700);margin-bottom:18px;
}
.kicker::before{content:"";width:22px;height:2px;background:var(--verde);border-radius:2px}
.seccion--tinta .kicker{color:var(--verde-300)}
h1,.h1{font-size:clamp(2.05rem,4.6vw,3.5rem)}
h2,.h2{font-size:clamp(1.72rem,3.3vw,2.7rem)}
h3,.h3{font-size:1.22rem}
.lead{font-size:clamp(1.05rem,1.6vw,1.2rem);color:var(--gris);line-height:1.66}
.seccion--tinta .lead{color:#B9C6CB}
.encabezado-seccion{max-width:720px;margin-bottom:56px}
.encabezado-seccion.centrado{margin-left:auto;margin-right:auto;text-align:center}
.encabezado-seccion .lead{margin-top:18px}
.nota-legal{font-size:13px;color:var(--gris-500);line-height:1.55}
.seccion--tinta .nota-legal{color:#8FA0A7}

/* ---------- Botones ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:15px 26px;border-radius:999px;border:1.5px solid transparent;
  font-weight:650;font-size:15.5px;letter-spacing:-.01em;line-height:1;
  transition:transform .18s ease,box-shadow .18s ease,background .18s ease,color .18s ease,border-color .18s ease;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn--primario{background:var(--verde);color:#fff;box-shadow:0 10px 24px -10px rgba(0,177,135,.85)}
.btn--primario:hover{background:var(--verde-600);box-shadow:0 16px 32px -12px rgba(0,177,135,.9)}
.btn--oscuro{background:var(--tinta);color:#fff}
.btn--oscuro:hover{background:var(--tinta-700)}
.btn--linea{border-color:var(--gris-200);color:var(--tinta);background:#fff}
.btn--linea:hover{border-color:var(--tinta);}
.btn--fantasma{border-color:rgba(255,255,255,.28);color:#fff}
.btn--fantasma:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn--bloque{width:100%}
.btn--grande{padding:18px 34px;font-size:16.5px}
.btn svg{width:17px;height:17px;flex:none}

/* ---------- Barra superior ---------- */
.topbar{background:var(--tinta);color:#B9C6CB;font-size:13.5px}
.topbar .contenedor{display:flex;align-items:center;justify-content:space-between;gap:20px;height:42px}
.topbar__izq{display:flex;align-items:center;gap:9px}
.topbar__punto{width:7px;height:7px;border-radius:50%;background:var(--verde);box-shadow:0 0 0 4px rgba(0,177,135,.18)}
.topbar__der{display:flex;align-items:center;gap:26px}
.topbar a{display:inline-flex;align-items:center;gap:8px;transition:color .15s}
.topbar a:hover{color:#fff}
.topbar svg{width:15px;height:15px;opacity:.75}

/* ---------- Navegación ---------- */
.nav{position:sticky;top:0;z-index:70;background:rgba(255,255,255,.9);backdrop-filter:saturate(160%) blur(14px);border-bottom:1px solid var(--gris-100);transition:box-shadow .2s}
.nav.esta-fija{box-shadow:0 6px 24px -12px rgba(10,26,31,.28)}
.nav__inner{display:flex;align-items:center;justify-content:space-between;gap:24px;height:var(--nav-h)}
.nav__logo{display:flex;align-items:center;height:100%}
/* El wordmark está en el 70% inferior del logotipo; el desplazamiento lo
   alinea ópticamente con el texto del menú sin recortar el isotipo. */
.nav__logo img{height:36px;width:auto;display:block;transform:translateY(-6px)}
.nav__menu{display:flex;align-items:center;gap:30px}
.nav__menu a{font-size:15px;font-weight:550;color:var(--gris);position:relative;padding:6px 0;transition:color .15s}
.nav__menu a::after{content:"";position:absolute;left:0;right:100%;bottom:0;height:2px;background:var(--verde);transition:right .25s ease;border-radius:2px}
.nav__menu a:hover{color:var(--tinta)}
.nav__menu a:hover::after,.nav__menu a.activo::after{right:0}
.nav__menu a.activo{color:var(--tinta);font-weight:650}
.nav__acciones{display:flex;align-items:center;gap:12px}
.nav__toggle{display:none;width:44px;height:44px;border:1px solid var(--gris-200);background:#fff;border-radius:12px;align-items:center;justify-content:center}
.nav__toggle span{display:block;width:18px;height:2px;background:var(--tinta);position:relative;border-radius:2px;transition:.2s}
.nav__toggle span::before,.nav__toggle span::after{content:"";position:absolute;left:0;width:18px;height:2px;background:var(--tinta);border-radius:2px;transition:.2s}
.nav__toggle span::before{top:-6px}.nav__toggle span::after{top:6px}
.nav__toggle[aria-expanded="true"] span{background:transparent}
.nav__toggle[aria-expanded="true"] span::before{top:0;transform:rotate(45deg)}
.nav__toggle[aria-expanded="true"] span::after{top:0;transform:rotate(-45deg)}

.menu-movil{display:none;position:fixed;top:calc(var(--nav-h) + 38px);left:0;right:0;bottom:0;background:#fff;z-index:65;padding:22px 24px 40px;overflow-y:auto}
.menu-movil.abierto{display:block}
.menu-movil a:not(.btn){display:block;padding:15px 0;font-size:18px;font-weight:600;border-bottom:1px solid var(--gris-100)}
.menu-movil .btn{margin-top:26px}

/* ---------- HERO ---------- */
.hero{position:relative;background:var(--tinta);color:#fff;overflow:hidden;padding:96px 0 108px}
.hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(900px 460px at 82% -8%, rgba(0,177,135,.30), transparent 62%),
    radial-gradient(700px 480px at 8% 108%, rgba(0,177,135,.12), transparent 60%),
    linear-gradient(180deg,#0A1A1F 0%, #0D2028 55%, #0A1A1F 100%);
}
.hero::after{
  content:"";position:absolute;inset:0;opacity:.5;
  background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);
  background-size:64px 64px;
  -webkit-mask-image:radial-gradient(900px 520px at 30% 30%,#000,transparent 78%);
  mask-image:radial-gradient(900px 520px at 30% 30%,#000,transparent 78%);
}
.hero .contenedor{position:relative;z-index:2}
.hero__grid{display:grid;grid-template-columns:1.08fr .92fr;gap:64px;align-items:center}
.hero__insignia{
  display:inline-flex;align-items:center;gap:10px;padding:8px 16px 8px 10px;border-radius:999px;
  background:rgba(0,177,135,.12);border:1px solid rgba(0,177,135,.32);color:var(--verde-300);
  font-size:13px;font-weight:600;letter-spacing:.01em;margin-bottom:26px;
}
.hero__insignia b{background:var(--verde);color:#04231C;padding:3px 9px;border-radius:999px;font-size:11.5px;letter-spacing:.06em;text-transform:uppercase}
.hero h1{color:#fff;margin-bottom:22px}
.hero h1 em{font-style:normal;color:var(--verde-300)}
.hero__texto{font-size:clamp(1.05rem,1.5vw,1.2rem);color:#B9C6CB;max-width:560px;line-height:1.65}
.hero__ctas{display:flex;flex-wrap:wrap;gap:14px;margin-top:36px}
.hero__puntos{display:flex;flex-wrap:wrap;gap:12px 26px;margin-top:38px;padding-top:30px;border-top:1px solid rgba(255,255,255,.10)}
.hero__puntos li{display:flex;align-items:center;gap:9px;font-size:14.5px;color:#C6D2D7}
.hero__puntos svg{width:17px;height:17px;color:var(--verde);flex:none}

/* tarjeta flotante del hero */
.tarjeta-hero{
  background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.12);
  border-radius:var(--radio-lg);padding:8px;backdrop-filter:blur(10px);box-shadow:var(--sombra-lg);
}
.tarjeta-hero__cuerpo{background:#fff;border-radius:18px;padding:28px;color:var(--tinta)}
.tarjeta-hero__top{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;padding-bottom:18px;border-bottom:1px solid var(--gris-100)}
.tarjeta-hero__top small{display:block;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--gris-400);font-weight:700}
.tarjeta-hero__top strong{font-size:19px;letter-spacing:-.02em}
.etiqueta-verde{background:var(--verde-100);color:var(--verde-700);font-size:11.5px;font-weight:750;letter-spacing:.06em;text-transform:uppercase;padding:6px 11px;border-radius:999px;white-space:nowrap}
.fila-dato{display:flex;align-items:baseline;justify-content:space-between;gap:16px;padding:13px 0;border-bottom:1px dashed var(--gris-100)}
.fila-dato:last-of-type{border-bottom:0}
.fila-dato span{font-size:14.5px;color:var(--gris)}
.fila-dato b{font-size:16px;font-variant-numeric:tabular-nums;letter-spacing:-.01em}
.fila-dato--destacada b{color:var(--verde-700);font-size:22px}
.tarjeta-hero__cta{margin-top:20px;padding-top:18px;border-top:1px solid var(--gris-100)}
.tarjeta-hero__cta a{display:inline-flex;align-items:center;gap:8px;font-size:15px;font-weight:700;color:var(--verde-700);transition:gap .18s}
.tarjeta-hero__cta a:hover{gap:12px}
.tarjeta-hero__cta svg{width:17px;height:17px}
.tarjeta-hero__pie{margin-top:18px;padding-top:16px;border-top:1px solid var(--gris-100);font-size:12px;color:var(--gris-400);line-height:1.5}

/* ---------- Cinta de confianza ---------- */
.cinta{background:var(--tinta-800);border-top:1px solid rgba(255,255,255,.07);padding:26px 0}
.cinta__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.cinta__item{display:flex;gap:14px;align-items:flex-start;color:#C6D2D7}
.cinta__item svg{width:22px;height:22px;color:var(--verde);flex:none;margin-top:2px}
.cinta__item strong{display:block;color:#fff;font-size:15px;font-weight:650;letter-spacing:-.01em}
.cinta__item span{font-size:13.5px;line-height:1.45;color:#93A3AA}

/* ---------- Rejillas y tarjetas ---------- */
/* Evita que un hijo con contenido ancho estire la columna en pantallas chicas */
.hero__grid>*,.cotizador>*,.if-grid>*,.cta-grid>*,.requisitos>*,.rejilla>*,.proceso>*{min-width:0}

.rejilla{display:grid;gap:24px}
.rejilla--2{grid-template-columns:repeat(2,1fr)}
.rejilla--3{grid-template-columns:repeat(3,1fr)}
.rejilla--4{grid-template-columns:repeat(4,1fr)}

.tarjeta{
  background:#fff;border:1px solid var(--gris-100);border-radius:var(--radio);padding:32px;
  transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease;position:relative;overflow:hidden;
}
.tarjeta:hover{transform:translateY(-4px);box-shadow:var(--sombra);border-color:var(--gris-200)}
.tarjeta h3{margin-bottom:10px}
.tarjeta p{color:var(--gris);font-size:15.5px;line-height:1.62}
.tarjeta__icono{
  width:50px;height:50px;border-radius:14px;display:flex;align-items:center;justify-content:center;
  background:var(--verde-100);color:var(--verde-700);margin-bottom:20px;
}
.tarjeta__icono svg{width:24px;height:24px}
.tarjeta--activo .tarjeta__icono{background:var(--tinta);color:var(--verde-300)}
.tarjeta__lista{margin-top:16px;display:grid;gap:8px}
.tarjeta__lista li{display:flex;gap:9px;font-size:14.5px;color:var(--gris);line-height:1.5}
.tarjeta__lista svg{width:16px;height:16px;color:var(--verde);flex:none;margin-top:4px}
.tarjeta--destacada{background:var(--tinta);border-color:var(--tinta);color:#fff}
.tarjeta--destacada p{color:#B9C6CB}
.tarjeta--destacada .tarjeta__lista li{color:#C6D2D7}

/* tarjetas de "dos formas de trabajar" */
.tarjeta--via{display:flex;flex-direction:column;padding:36px}
.tarjeta--via h3{font-size:1.5rem;margin-bottom:12px}
.tarjeta--via p{font-size:16px;flex:1}
.tarjeta__via{display:inline-block;font-size:11.5px;font-weight:750;letter-spacing:.14em;text-transform:uppercase;color:var(--verde-700);background:var(--verde-100);padding:6px 12px;border-radius:999px;margin-bottom:18px;align-self:flex-start}
.enlace-flecha{display:inline-flex;align-items:center;gap:9px;margin-top:22px;font-size:15px;font-weight:700;color:var(--tinta);transition:gap .18s,color .18s}
.enlace-flecha:hover{gap:14px;color:var(--verde-700)}
.enlace-flecha svg{width:17px;height:17px}

/* numeritos de beneficio */
.tarjeta__num{font-size:12px;font-weight:750;letter-spacing:.12em;color:var(--gris-400);margin-bottom:14px;display:block}

/* ---------- Comparativa ---------- */
.tabla-envoltura{overflow-x:auto;border:1px solid var(--gris-200);border-radius:var(--radio);background:#fff;box-shadow:var(--sombra-sm)}
table.comparativa{width:100%;border-collapse:collapse;min-width:760px}
table.comparativa th,table.comparativa td{padding:18px 22px;text-align:left;border-bottom:1px solid var(--gris-100);font-size:15px;vertical-align:top}
table.comparativa thead th{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--gris-500);font-weight:750;background:var(--hueso)}
table.comparativa thead th.col-mirval{background:var(--tinta);color:#fff}
table.comparativa td.col-mirval{background:rgba(0,177,135,.055);font-weight:600}
table.comparativa tbody th{font-weight:650;color:var(--tinta);width:26%}
table.comparativa tr:last-child td,table.comparativa tr:last-child th{border-bottom:0}
.marca-si{color:var(--verde-700);font-weight:700}
.marca-no{color:var(--gris-400)}

/* ---------- Cotizador ---------- */
.cotizador{display:grid;grid-template-columns:1fr .86fr;gap:34px;align-items:stretch}
.panel{background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.12);border-radius:var(--radio-lg);padding:34px}
.campo{margin-bottom:24px}
.campo:last-child{margin-bottom:0}
.campo__etiqueta{display:flex;align-items:baseline;justify-content:space-between;gap:14px;margin-bottom:10px}
.campo__etiqueta label{font-size:14.5px;font-weight:600;color:#DCE5E8}
.campo__valor{font-size:17px;font-weight:750;color:var(--verde-300);font-variant-numeric:tabular-nums}
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;
  background:rgba(255,255,255,.16);outline:none;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;
  background:var(--verde);border:4px solid #0A1A1F;box-shadow:0 0 0 1px var(--verde),0 4px 12px rgba(0,0,0,.4);cursor:grab;
}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--verde);border:4px solid #0A1A1F;cursor:grab}
.opciones{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.opciones--3{grid-template-columns:repeat(3,1fr)}
.opcion{
  border:1.5px solid rgba(255,255,255,.16);background:rgba(255,255,255,.03);color:#C6D2D7;
  border-radius:12px;padding:13px 6px;text-align:center;font-size:14.5px;font-weight:600;transition:.18s;
}
.opcion:hover{border-color:rgba(255,255,255,.36);color:#fff}
.opcion.activa{background:var(--verde);border-color:var(--verde);color:#04231C}
.opcion small{display:block;font-size:11px;font-weight:600;opacity:.7;margin-top:3px}

.resultado{background:#fff;color:var(--tinta);border-radius:var(--radio-lg);padding:34px;display:flex;flex-direction:column;box-shadow:var(--sombra-lg)}
.resultado__titulo{font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--gris-400);font-weight:750}
.resultado__monto{
  display:flex;align-items:baseline;flex-wrap:wrap;gap:0 10px;
  font-size:clamp(1.85rem,3vw,2.5rem);font-weight:800;letter-spacing:-.035em;color:var(--tinta);
  line-height:1.1;margin:10px 0 4px;font-variant-numeric:tabular-nums;white-space:nowrap;
}
.resultado__monto span{font-size:.95rem;font-weight:650;color:var(--gris-400);letter-spacing:0}
.resultado__sub{font-size:14px;color:var(--gris);margin-bottom:24px}
.resultado__filas{border-top:1px solid var(--gris-100);padding-top:8px;margin-bottom:24px}
.resultado .btn{margin-top:auto}
.resultado__aviso{font-size:12px;color:var(--gris-400);line-height:1.5;margin-top:14px}

/* ---------- Proceso ---------- */
.proceso{display:grid;grid-template-columns:repeat(5,1fr);gap:0;position:relative;margin-top:20px}
.proceso::before{content:"";position:absolute;top:26px;left:8%;right:8%;height:2px;background:linear-gradient(90deg,var(--verde),var(--gris-200))}
.paso{position:relative;padding:0 16px;text-align:center}
.paso__num{
  width:54px;height:54px;border-radius:50%;background:#fff;border:2px solid var(--verde);color:var(--verde-700);
  display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;margin:0 auto 20px;position:relative;z-index:2;
  box-shadow:0 0 0 8px var(--hueso);
}
.paso h3{font-size:16.5px;margin-bottom:8px}
.paso p{font-size:14.5px;color:var(--gris);line-height:1.6}

/* ---------- Requisitos ---------- */
.requisitos{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.lista-check{display:grid;gap:14px}
.lista-check li{display:flex;gap:13px;align-items:flex-start;font-size:15.5px;line-height:1.55}
.lista-check svg{width:20px;height:20px;color:var(--verde);flex:none;margin-top:2px}
.lista-check b{font-weight:650}
.lista-check span{color:var(--gris)}
.caja-aviso{background:var(--verde-100);border:1px solid rgba(0,177,135,.28);border-radius:var(--radio);padding:24px 26px;margin-top:28px}
.caja-aviso p{font-size:14.5px;color:#0B4A3B;line-height:1.6}
.caja-aviso strong{display:block;margin-bottom:6px;color:#083A2E}

/* ---------- Sectores ---------- */
.sectores{display:flex;flex-wrap:wrap;gap:12px}
.sector{
  display:inline-flex;align-items:center;gap:10px;padding:12px 20px;border-radius:999px;
  border:1px solid var(--gris-200);background:#fff;font-size:15px;font-weight:600;color:var(--tinta);
  transition:.18s;
}
.sector:hover{border-color:var(--verde);background:var(--verde-100);color:var(--verde-700);transform:translateY(-2px)}
.sector svg{width:18px;height:18px;color:var(--verde)}

/* ---------- Inteligencia financiera ---------- */
.if-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:64px;align-items:center}
.if-tarjetas{display:grid;gap:16px}
.if-item{display:flex;gap:18px;padding:22px;border-radius:var(--radio);background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.10);transition:.2s}
.if-item:hover{background:rgba(255,255,255,.08);border-color:rgba(0,177,135,.4);transform:translateX(4px)}
.if-item__ico{width:44px;height:44px;border-radius:12px;background:rgba(0,177,135,.16);color:var(--verde-300);display:flex;align-items:center;justify-content:center;flex:none}
.if-item__ico svg{width:21px;height:21px}
.if-item h3{font-size:17px;margin-bottom:6px}
.if-item p{font-size:14.5px;color:#A9B8BE;line-height:1.6}

/* tarjetas de entregables de Inteligencia Financiera */
.tarjeta-if{
  display:flex;flex-direction:column;background:rgba(255,255,255,.045);
  border:1px solid rgba(255,255,255,.12);border-radius:var(--radio);padding:30px;
  transition:transform .22s ease,border-color .22s ease,background .22s ease;
}
.tarjeta-if:hover{transform:translateY(-4px);border-color:rgba(0,177,135,.45);background:rgba(255,255,255,.07)}
.tarjeta-if--eje{background:rgba(0,177,135,.10);border-color:rgba(0,177,135,.38)}
.tarjeta-if__cab{padding-bottom:20px;margin-bottom:20px;border-bottom:1px solid rgba(255,255,255,.12)}
.tarjeta-if__paso{display:block;font-size:11.5px;font-weight:750;letter-spacing:.14em;text-transform:uppercase;color:var(--verde-300);margin-bottom:12px}
.tarjeta-if h3{font-size:1.28rem;margin-bottom:10px;color:#fff}
.tarjeta-if__cab p{font-size:14.5px;color:#A9B8BE;line-height:1.6}
.tarjeta-if__nota{display:block;margin-top:auto;padding-top:18px;font-size:12.5px;color:#8FA0A7;line-height:1.5}
.lista-if{display:grid;gap:11px}
.lista-if li{position:relative;padding-left:24px;font-size:14.5px;color:#C6D2D7;line-height:1.55}
.lista-if li::before{
  content:"";position:absolute;left:0;top:8px;width:9px;height:9px;border-radius:2px;
  background:var(--verde);opacity:.85;
}
.lista-if--dos{grid-template-columns:1fr 1fr;gap:11px 26px;margin-top:16px}

.if-cierre{display:grid;grid-template-columns:1.35fr .65fr;gap:44px;align-items:start;margin-top:12px;padding-top:44px;border-top:1px solid rgba(255,255,255,.12)}
.if-cierre h3{font-size:1.3rem;margin-bottom:12px}
.if-cierre>div>p{font-size:15.5px;color:#B9C6CB;line-height:1.65}
.if-cierre__caja{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--radio);padding:28px}
.if-cierre__caja h4{font-size:16.5px;color:#fff;margin:0 0 12px;font-weight:700;letter-spacing:-.015em;line-height:1.35}
.if-cierre__caja p{font-size:14.5px;color:#A9B8BE;line-height:1.62}
.if-cierre__ctas{display:grid;gap:10px;margin-top:22px}

/* ---------- FAQ ---------- */
.faq{max-width:860px;margin:0 auto;border-top:1px solid var(--gris-200)}
.faq details{border-bottom:1px solid var(--gris-200)}
.faq summary{
  list-style:none;cursor:pointer;padding:24px 48px 24px 0;position:relative;
  font-size:17.5px;font-weight:650;letter-spacing:-.015em;transition:color .15s;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--verde-700)}
.faq summary::after{
  content:"";position:absolute;right:8px;top:31px;width:12px;height:12px;
  border-right:2px solid var(--gris-400);border-bottom:2px solid var(--gris-400);
  transform:rotate(45deg);transition:transform .22s ease;
}
.faq details[open] summary::after{transform:rotate(-135deg);border-color:var(--verde)}
.faq__respuesta{padding:0 60px 26px 0;color:var(--gris);font-size:15.5px;line-height:1.7}
.faq__respuesta p+p{margin-top:12px}

/* ---------- Formulario / CTA ---------- */
.cta-final{position:relative;background:var(--tinta);color:#fff;overflow:hidden}
.cta-final::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(780px 420px at 90% 0%, rgba(0,177,135,.26), transparent 60%),
             radial-gradient(600px 400px at 0% 100%, rgba(0,177,135,.10), transparent 60%);
}
.cta-final .contenedor{position:relative;z-index:2}
.cta-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:start}
.form-tarjeta{background:#fff;border-radius:var(--radio-lg);padding:36px;color:var(--tinta);box-shadow:var(--sombra-lg)}
.form-fila{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-campo{margin-bottom:16px}
.form-campo label{display:block;font-size:13.5px;font-weight:650;margin-bottom:7px;color:var(--tinta)}
.form-campo label span{color:var(--verde-700)}
.form-campo input,.form-campo select,.form-campo textarea{
  width:100%;padding:13px 15px;border:1.5px solid var(--gris-200);border-radius:11px;
  font:inherit;font-size:15px;color:var(--tinta);background:#fff;transition:.15s;
}
.form-campo textarea{resize:vertical;min-height:96px}
.form-campo input:focus,.form-campo select:focus,.form-campo textarea:focus{
  outline:none;border-color:var(--verde);box-shadow:0 0 0 4px rgba(0,177,135,.14)
}
.form-campo input::placeholder,.form-campo textarea::placeholder{color:var(--gris-400)}
.form-privacidad{display:flex;gap:11px;align-items:flex-start;margin:6px 0 20px;font-size:12.5px;color:var(--gris);line-height:1.5}
.form-privacidad input{margin-top:2px;accent-color:var(--verde);width:17px;height:17px;flex:none}
.form-privacidad a{color:var(--verde-700);text-decoration:underline}
.form-alterno{text-align:center;font-size:13px;color:var(--gris-500);margin-top:14px}
.form-alterno a{color:var(--tinta);font-weight:650;text-decoration:underline}
.cta-lista{display:grid;gap:20px;margin-top:34px}
.cta-lista li{display:flex;gap:15px}
.cta-lista__ico{width:40px;height:40px;border-radius:11px;background:rgba(0,177,135,.16);color:var(--verde-300);display:flex;align-items:center;justify-content:center;flex:none}
.cta-lista__ico svg{width:19px;height:19px}
.cta-lista strong{display:block;font-size:15.5px;margin-bottom:3px}
.cta-lista span{font-size:14.5px;color:#A9B8BE;line-height:1.55}

/* ---------- Pie ---------- */
.pie{background:#071316;color:#8FA0A7;padding:72px 0 0;font-size:14.5px}
.pie__grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:44px;padding-bottom:52px;border-bottom:1px solid rgba(255,255,255,.08)}
.pie img{height:36px;width:auto;margin-bottom:20px}
.pie p{line-height:1.65;max-width:320px}
.pie h4{color:#fff;font-size:13px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px;font-weight:750}
.pie ul{display:grid;gap:11px}
.pie a{transition:color .15s}
.pie a:hover{color:var(--verde-300)}
.pie__contacto li{display:flex;gap:11px;align-items:flex-start}
.pie__contacto svg{width:17px;height:17px;color:var(--verde);flex:none;margin-top:3px}
.pie__base{display:flex;flex-wrap:wrap;gap:16px;justify-content:space-between;align-items:center;padding:26px 0;font-size:13px}
.pie__base nav{display:flex;gap:22px;flex-wrap:wrap}
.pie__nota{padding:26px 0 40px;border-top:1px solid rgba(255,255,255,.06)}
.pie__nota-titulo{display:block;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#4E5F66;font-weight:750;margin-bottom:14px}
.pie .pie__nota-entidad{max-width:none;font-size:12.5px;color:#5F7076;line-height:1.7;padding-bottom:16px;margin-bottom:18px;border-bottom:1px solid rgba(255,255,255,.05)}
.pie__nota-entidad b{color:#93A3AA;font-weight:650}
.pie__nota-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:22px 34px}
.pie__nota-cols p{font-size:12.5px;color:#5F7076;line-height:1.62;max-width:none}

/* ---------- Flotantes ---------- */
.wa-flotante{
  position:fixed;right:22px;bottom:22px;z-index:80;width:58px;height:58px;border-radius:50%;
  background:#25D366;color:#fff;display:flex;align-items:center;justify-content:center;
  box-shadow:0 12px 30px -8px rgba(37,211,102,.7);transition:transform .2s;
}
.wa-flotante:hover{transform:scale(1.07)}
.wa-flotante svg{width:30px;height:30px}
.wa-flotante::after{
  content:"";position:absolute;inset:0;border-radius:50%;border:2px solid #25D366;
  animation:pulso 2.6s ease-out infinite;
}
@keyframes pulso{0%{transform:scale(1);opacity:.7}100%{transform:scale(1.5);opacity:0}}

/* ---------- Animación de entrada ---------- */
.revelar{opacity:0;transform:translateY(22px);transition:opacity .6s cubic-bezier(.2,.7,.3,1),transform .6s cubic-bezier(.2,.7,.3,1)}
.revelar.visible{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .revelar{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
  .wa-flotante::after{animation:none}
  .btn:hover,.tarjeta:hover{transform:none}
}

/* ---------- Páginas de texto ---------- */
.pagina-texto{padding:72px 0 96px;max-width:820px}
.pagina-texto h1{font-size:clamp(2rem,4vw,2.8rem);margin-bottom:12px}
.pagina-texto h2{font-size:1.35rem;margin:40px 0 12px}
.pagina-texto p,.pagina-texto li{color:var(--gris);font-size:16px;line-height:1.75}
.pagina-texto p+p{margin-top:14px}
.pagina-texto ul{list-style:disc;padding-left:22px;margin:12px 0;display:grid;gap:8px}
.pagina-texto .fecha{font-size:14px;color:var(--gris-400);margin-bottom:8px}

.gracias{min-height:70vh;display:flex;align-items:center;justify-content:center;text-align:center;padding:80px 24px}
.gracias__ico{width:82px;height:82px;border-radius:50%;background:var(--verde-100);color:var(--verde-700);display:flex;align-items:center;justify-content:center;margin:0 auto 28px}
.gracias__ico svg{width:38px;height:38px}

/* ============================================================
   RESPONSIVO
   ============================================================ */
@media (max-width:1080px){
  .hero__grid{grid-template-columns:1fr;gap:50px}
  .tarjeta-hero{max-width:560px}
  .cotizador{grid-template-columns:1fr}
  .if-grid,.cta-grid,.requisitos{grid-template-columns:1fr;gap:44px}
  .proceso{grid-template-columns:repeat(2,1fr);gap:34px 20px}
  .proceso::before{display:none}
  .cinta__grid{grid-template-columns:repeat(2,1fr)}
  .rejilla--4{grid-template-columns:repeat(2,1fr)}
  .pie__grid{grid-template-columns:1fr 1fr;gap:36px}
  .if-cierre{grid-template-columns:1fr;gap:32px}
  .pie__nota-cols{grid-template-columns:1fr 1fr}
}
@media (max-width:940px){
  .nav__menu{display:none}
  .nav__toggle{display:flex}
  .nav__acciones .btn{display:none}
  .nav__acciones--simple .btn{display:inline-flex;padding:12px 18px;font-size:14px}
  .topbar__der a:not(.solo-tel){display:none}
  .rejilla--3{grid-template-columns:1fr}
  .tarjeta--via{padding:30px}
}
@media (max-width:720px){
  body{font-size:16px}
  .seccion{padding:70px 0}
  .seccion--compacta{padding:56px 0}
  .hero{padding:64px 0 76px}
  .contenedor{padding:0 20px}
  .rejilla--2,.rejilla--4,.form-fila{grid-template-columns:1fr}
  .proceso{grid-template-columns:1fr;text-align:left}
  .paso{padding:0;display:grid;grid-template-columns:54px 1fr;gap:18px;text-align:left}
  .paso__num{margin:0;box-shadow:none}
  .opciones{grid-template-columns:repeat(2,1fr)}
  .tarjeta,.panel,.resultado,.form-tarjeta{padding:26px}
  .pie__grid{grid-template-columns:1fr}
  .hero__ctas .btn{width:100%}
  .encabezado-seccion{margin-bottom:40px}
  .faq summary{font-size:16.5px;padding-right:40px}
  .faq__respuesta{padding-right:20px}
  .topbar__izq{display:none}
  .topbar .contenedor{justify-content:center;height:38px}
  .topbar__der{gap:18px;font-size:13px}
  .hero__insignia{font-size:12px;padding:6px 13px 6px 7px;margin-bottom:20px}
  .hero__insignia b{font-size:10.5px}
  .hero__texto{font-size:16.5px}
  .hero__puntos{gap:10px 18px;margin-top:30px;padding-top:24px}
  .tarjeta-hero__cuerpo{padding:22px}
  .resultado__monto{font-size:1.9rem}
  .wa-flotante{width:54px;height:54px;right:16px;bottom:16px}
  .wa-flotante svg{width:27px;height:27px}
  .tabla-envoltura{border-radius:12px}
  .sector{font-size:14px;padding:10px 16px}
  .btn{white-space:normal;text-align:center;line-height:1.25}
  .lista-if--dos,.pie__nota-cols{grid-template-columns:1fr}
  .tarjeta-if{padding:26px}
  .if-cierre__caja{padding:24px}
  .nav__logo img{height:32px}
  .btn--grande{padding:16px 22px;font-size:15.5px}
}