/* =========================================
   CREDITCOL — Estilos Fintech Profesional
   Paleta: Blanco + Azul #1E3A8A + Rojo #DC2626
   ========================================= */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Outfit:wght@400;600;700;800&display=swap');

/* — Variables de diseño — */
:root {
  /* Colores principales */
  --color-primary:      #1E3A8A;   /* Azul corporativo */
  --color-primary-dark: #0B1F3A;   /* Azul oscuro */
  --color-primary-light:#EFF6FF;   /* Azul muy suave */
  --color-cta:          #DC2626;   /* Rojo solo para CTAs */
  --color-cta-hover:    #B91C1C;

  /* WhatsApp siempre verde */
  --color-wa:           #25D366;
  --color-wa-dark:      #16A34A;

  /* Textos */
  --text-primary:       #0F172A;
  --text-secondary:     #475569;
  --text-muted:         #94A3B8;

  /* Fondos */
  --bg-page:            #FFFFFF;
  --bg-card:            #F8FAFC;
  --bg-alt:             #F1F5F9;
  --bg-dark:            #0B1F3A;

  /* Bordes */
  --border:             #E2E8F0;
  --border-blue:        #BFDBFE;

  /* Sombras — fintech modernas (azules translúcidas) */
  --shadow-sm:  0 4px 12px rgba(30,58,138,0.04), 0 2px 6px rgba(30,58,138,0.03);
  --shadow-md:  0 12px 28px rgba(30,58,138,0.06), 0 4px 12px rgba(30,58,138,0.04);
  --shadow-lg:  0 20px 48px rgba(30,58,138,0.08), 0 8px 16px rgba(30,58,138,0.05);

  --radius-sm:  8px;
  --radius-md:  16px;
  --radius-lg:  24px;
  --radius-xl:  32px;
  --radius-pill:50px;

  --transition: all 0.35s cubic-bezier(0.2, 0.8, 0.2, 1);
  --max-width:  1100px;
  --font-main:  'Inter', sans-serif;
  --font-display:'Outfit', sans-serif;
}

/* — Reset — */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-main);
  background: var(--bg-page);
  /* Patrón de puntos sutil en toda la página */
  background-image: radial-gradient(circle, #CBD5E1 1px, transparent 1px);
  background-size: 28px 28px;
  color: var(--text-primary);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; outline: none; }
input, select, textarea { outline: none; font-family: var(--font-main); }

/* — Utilities — */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--color-primary);
  margin-bottom: 16px;
}
.section-label::before {
  content: '';
  width: 24px;
  height: 2px;
  background: var(--color-primary-light);
  border-radius: 2px;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 2.5rem);
  font-weight: 800;
  line-height: 1.2;
  color: var(--text-primary);
}
/* Solo palabras clave en rojo — no títulos completos */
.section-title .highlight-red { color: var(--color-cta); }
.section-title .highlight-blue { color: var(--color-primary); }

.section-sub {
  font-size: 1.05rem;
  color: var(--text-secondary);
  margin-top: 12px;
  max-width: 560px;
  line-height: 1.7;
}

/* Fade-in animation */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-up.visible { opacity: 1; transform: translateY(0); }

/* =========================================
   HEADER
   ========================================= */
.header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  padding: 0;
  transition: var(--transition);
}
.header.scrolled {
  border-bottom-color: var(--border);
  box-shadow: 0 2px 16px rgba(0,0,0,0.07);
  padding: 2px 0;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo { display: flex; align-items: center; }
.logo-img-header {
  height: 145px;
  width: auto;
}
.footer-logo-img {
  height: 48px;
  width: auto;
}

/* CTA Header — rojo profesional */
.header-cta {
  background: var(--color-cta);
  color: #fff;
  font-size: 0.88rem;
  font-weight: 700;
  padding: 11px 26px;
  border-radius: var(--radius-pill);
  transition: var(--transition);
}
.header-cta:hover {
  background: var(--color-cta-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* =========================================
   HERO — Fondo blanco con toque azul sutil
   ========================================= */
.hero {
  position: relative;
  padding: 160px 0 100px;
  overflow: hidden;
  background: linear-gradient(150deg, #DBEAFE 0%, #EFF6FF 30%, #FFFFFF 65%);
  /* El patrón de puntos del body se hereda, lo enriquecemos con blobs */
}

/* Sin grids oscuros ni efectos neón */
.hero-bg { display: none; }
.hero-grid { display: none; }
.hero-logo { display: none; }

/* Blob azul grande top-right */
.hero::before {
  content: '';
  position: absolute;
  top: -120px; right: -160px;
  width: 680px; height: 680px;
  background: radial-gradient(circle, rgba(30,58,138,0.09) 0%, rgba(30,58,138,0.03) 50%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
/* Blob rojo sutil bottom-left */
.hero::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(220,38,38,0.05) 0%, transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-content { position: relative; z-index: 2; max-width: 680px; }

/* Badge */
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--color-primary-light);
  border: 1px solid var(--border-blue);
  border-radius: var(--radius-pill);
  padding: 6px 16px 6px 8px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-primary);
  margin-bottom: 28px;
}
.hero-badge-dot {
  width: 7px; height: 7px;
  background: var(--color-primary);
  border-radius: 50%;
}

/* Título hero */
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5.5vw, 3.8rem);
  font-weight: 900;
  line-height: 1.1;
  color: var(--text-primary);
  margin-bottom: 22px;
}
/* Solo la palabra clave en rojo */
.hero-title .highlight {
  color: var(--color-cta);
}

.hero-sub {
  font-size: clamp(1rem, 2vw, 1.15rem);
  color: var(--text-secondary);
  margin-bottom: 38px;
  max-width: 520px;
  line-height: 1.75;
}

.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; }

/* Botón primario — rojo profesional sin glow */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--color-cta);
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  padding: 15px 32px;
  border-radius: var(--radius-pill);
  transition: var(--transition);
  box-shadow: 0 2px 8px rgba(220,38,38,0.2);
}
.btn-primary:hover {
  background: var(--color-cta-hover);
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(220,38,38,0.3);
}

/* Botón WhatsApp — borde verde, fondo blanco */
.btn-whatsapp {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #fff;
  color: var(--color-wa-dark);
  font-size: 1rem;
  font-weight: 700;
  padding: 14px 32px;
  border-radius: var(--radius-pill);
  border: 2px solid var(--color-wa);
  transition: var(--transition);
}
.btn-whatsapp:hover {
  background: #F0FDF4;
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(37, 211, 102, 0.15);
}

/* Trust items */
.hero-trust {
  display: flex;
  align-items: center;
  gap: 28px;
  margin-top: 44px;
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.85rem;
  color: var(--text-secondary);
  font-weight: 500;
}
.hero-trust-item .check {
  width: 20px; height: 20px;
  background: var(--color-primary-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--color-primary);
  font-size: 0.65rem;
  font-weight: 800;
}

/* =========================================
   SEGMENTACIÓN
   ========================================= */
.segmentacion {
  padding: 110px 0;
  background: linear-gradient(180deg, #FFFFFF 0%, #F8FAFC 100%);
  border-top: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}
/* Forma decorativa esquina top-right */
.segmentacion::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 300px; height: 300px;
  border: 40px solid rgba(30,58,138,0.04);
  border-radius: 50%;
  pointer-events: none;
}
.segmentacion-header { text-align: center; margin-bottom: 52px; }

.seg-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; max-width: 700px; margin: 0 auto; }

.seg-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
  color: var(--text-primary);
  display: block;
}
.seg-card:hover {
  border-color: var(--color-primary);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  background: #fff;
}

.seg-icon {
  width: 64px; height: 64px;
  background: var(--color-primary-light);
  border: 1px solid var(--border-blue);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.7rem;
  margin: 0 auto 20px;
}
.seg-card-title {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin-bottom: 8px;
}
.seg-card-sub { font-size: 0.85rem; color: var(--text-secondary); }
.seg-arrow { margin-top: 20px; color: var(--color-primary); font-size: 1.1rem; transition: var(--transition); }
.seg-card:hover .seg-arrow { transform: translateX(5px); }

/* =========================================
   TRANQUILIDAD
   ========================================= */
.tranquilidad {
  padding: 110px 0;
  background: linear-gradient(180deg, #F8FAFC 0%, #FFFFFF 100%);
  position: relative;
  overflow: hidden;
}
/* Líneas diagonales decorativas */
.tranquilidad::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    repeating-linear-gradient(
      -45deg,
      transparent,
      transparent 40px,
      rgba(30,58,138,0.025) 40px,
      rgba(30,58,138,0.025) 41px
    );
  pointer-events: none;
}

.tranquilidad-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.tranq-card-main {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-md);
}

.tranq-headline {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  margin-bottom: 28px;
  line-height: 1.3;
}
/* Solo palabra "Creditcol" en azul */
.tranq-headline span { color: var(--color-primary); }

.tranq-items { display: flex; flex-direction: column; gap: 12px; }

.tranq-item {
  display: flex; align-items: center; gap: 14px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  transition: var(--transition);
}
.tranq-item:hover {
  border-color: var(--border-blue);
  background: var(--color-primary-light);
}
.tranq-check {
  width: 28px; height: 28px;
  background: var(--color-primary-light);
  border: 1px solid var(--border-blue);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--color-primary);
  font-size: 0.75rem;
  font-weight: 800;
  flex-shrink: 0;
}
.tranq-item-text { font-size: 0.95rem; font-weight: 500; color: var(--text-primary); }

.tranq-text-side { padding: 20px 0; }
.tranq-text-side .btn-primary { display: inline-flex; margin-top: 32px; }

/* =========================================
   BENEFICIOS
   ========================================= */
.beneficios {
  padding: 110px 0;
  background: linear-gradient(180deg, #FFFFFF 0%, #F8FAFC 100%);
  position: relative;
  overflow: hidden;
}
/* Blob decorativo bottom-left en beneficios */
.beneficios::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -80px;
  width: 450px; height: 450px;
  background: radial-gradient(circle, rgba(30,58,138,0.05) 0%, transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}
.beneficios-header { text-align: center; margin-bottom: 52px; }
.beneficios-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }

.beneficio-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 30px 20px;
  text-align: center;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.beneficio-card::after {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--color-primary);
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}
.beneficio-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: var(--border-blue);
  background: #fff;
}
.beneficio-card:hover::after { transform: scaleX(1); }

.beneficio-icon { font-size: 2rem; margin-bottom: 14px; display: block; }
.beneficio-title {
  font-family: var(--font-display);
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin-bottom: 8px;
  line-height: 1.3;
}
.beneficio-desc { font-size: 0.78rem; color: var(--text-secondary); line-height: 1.5; }

/* =========================================
   PRUEBA SOCIAL
   ========================================= */
.prueba-social { padding: 110px 0; background: linear-gradient(180deg, #F8FAFC 0%, #FFFFFF 100%); }

.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-bottom: 60px; }

.stat-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
}
.stat-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--color-primary);
}

.stat-number {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 4.5vw, 3.2rem);
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label { font-size: 0.9rem; color: var(--text-secondary); font-weight: 500; }

.testimonios-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }

.testimonio-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}
.testimonio-card:hover {
  border-color: var(--border-blue);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

/* Estrellas en azul, no en rojo */
.testimonio-stars { color: #F59E0B; font-size: 0.9rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonio-text { font-size: 0.92rem; color: var(--text-secondary); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonio-author { display: flex; align-items: center; gap: 12px; }
.testimonio-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 0.95rem; color: #fff;
}
.av-1 { background: var(--color-primary); }
.av-2 { background: var(--color-primary-dark); }
.av-3 { background: #6366F1; }
.testimonio-name { font-size: 0.9rem; font-weight: 700; color: var(--text-primary); }
.testimonio-role { font-size: 0.78rem; color: var(--text-muted); }

/* =========================================
   FORMULARIO
   ========================================= */
.formulario-section {
  padding: 110px 0;
  background: linear-gradient(180deg, #FFFFFF 0%, #F8FAFC 100%);
  border-top: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}
/* Blob azul decorativo en la sección de formulario */
.formulario-section::before {
  content: '';
  position: absolute;
  top: -80px; right: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(30,58,138,0.06) 0%, transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}

.formulario-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.features-list { display: flex; flex-direction: column; gap: 14px; margin-top: 32px; }
.feature-item {
  display: flex; align-items: center; gap: 12px;
  font-size: 0.92rem;
  color: var(--text-secondary);
}
.feature-icon {
  width: 32px; height: 32px;
  background: var(--color-primary-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem;
  flex-shrink: 0;
}

.form-wrapper {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}

.form-title {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: 6px;
}
.form-sub { font-size: 0.85rem; color: var(--text-secondary); margin-bottom: 28px; }

.form-group { margin-bottom: 18px; }
.form-label {
  display: block;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 7px;
}
.form-control {
  width: 100%;
  background: var(--bg-card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-size: 0.95rem;
  color: var(--text-primary);
  transition: var(--transition);
  appearance: none; -webkit-appearance: none;
}
.form-control::placeholder { color: var(--text-muted); }
.form-control:focus {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(30, 58, 138, 0.08);
  background: #fff;
}
.form-control.error {
  border-color: var(--color-cta);
  box-shadow: 0 0 0 3px rgba(220,38,38,0.08);
}

.form-select-wrapper { position: relative; }
.form-select-wrapper::after {
  content: '▾';
  position: absolute; right: 14px; top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  pointer-events: none;
}
select.form-control { padding-right: 38px; }
select.form-control option { background: #fff; color: var(--text-primary); }

.radio-group { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.radio-option { position: relative; }
.radio-option input { position: absolute; opacity: 0; width: 0; height: 0; }
.radio-label {
  display: flex; align-items: center; justify-content: center; gap: 7px;
  background: var(--bg-card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-secondary);
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}
.radio-option input:checked + .radio-label {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
  color: var(--color-primary);
}
.radio-label:hover { border-color: var(--border-blue); background: #fff; }

.form-error { font-size: 0.78rem; color: var(--color-cta); margin-top: 5px; display: none; }
.form-error.show { display: block; }

/* Botón submit — rojo profesional */
.btn-submit {
  width: 100%;
  background: var(--color-cta);
  color: #fff;
  font-family: var(--font-main);
  font-size: 1rem;
  font-weight: 700;
  padding: 15px;
  border-radius: var(--radius-pill);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  margin-top: 8px;
  box-shadow: 0 2px 8px rgba(220,38,38,0.2);
}
.btn-submit:hover:not(:disabled) {
  background: var(--color-cta-hover);
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(220,38,38,0.3);
}
.btn-submit:disabled { opacity: 0.65; cursor: not-allowed; }
.btn-submit .spinner {
  display: none;
  width: 18px; height: 18px;
  border: 2px solid rgba(255,255,255,0.3);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
  margin: 0 auto;
}
.btn-submit.loading .btn-text { display: none; }
.btn-submit.loading .spinner { display: block; }
@keyframes spin { to { transform: rotate(360deg); } }

.form-disclaimer {
  font-size: 0.74rem;
  color: var(--text-muted);
  text-align: center;
  margin-top: 14px;
  line-height: 1.6;
}

/* Alertas formulario */
.form-alert {
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  font-size: 0.87rem;
  font-weight: 600;
  margin-bottom: 16px;
  display: none;
}
.form-alert.success {
  background: #F0FDF4;
  border: 1px solid #BBF7D0;
  color: #15803D;
  display: block;
}
.form-alert.error-alert {
  background: #FEF2F2;
  border: 1px solid #FECACA;
  color: #B91C1C;
  display: block;
}

/* =========================================
   BOTÓN FLOTANTE WHATSAPP
   ========================================= */
.whatsapp-float {
  position: fixed; bottom: 28px; right: 28px;
  z-index: 999;
  display: flex; flex-direction: column; align-items: flex-end; gap: 10px;
}
.whatsapp-btn {
  width: 58px; height: 58px;
  background: var(--color-wa);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 16px rgba(37, 211, 102, 0.35);
  transition: var(--transition);
}
.whatsapp-btn:hover {
  transform: scale(1.08);
  box-shadow: 0 8px 24px rgba(37, 211, 102, 0.45);
}
.whatsapp-btn svg { width: 28px; height: 28px; fill: #fff; }
.whatsapp-tooltip {
  background: #fff;
  border: 1px solid var(--border);
  color: var(--text-primary);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 7px 13px;
  border-radius: var(--radius-sm);
  white-space: nowrap;
  box-shadow: var(--shadow-sm);
  opacity: 0;
  transform: translateX(10px);
  transition: var(--transition);
  pointer-events: none;
}
.whatsapp-float:hover .whatsapp-tooltip { opacity: 1; transform: translateX(0); }

/* =========================================
   FOOTER — Azul oscuro para contraste
   ========================================= */
.footer {
  background: var(--bg-dark);
  padding: 36px 0;
}
.footer-content {
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 16px;
}
.footer-logo-img {
  height: 36px; width: auto;
  /* Logo sobre fondo oscuro — aclarar */
  filter: brightness(0) invert(1) opacity(0.9);
}
.footer-copy { font-size: 0.82rem; color: rgba(255,255,255,0.5); }
.footer-links { display: flex; gap: 20px; }
.footer-links a {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  transition: var(--transition);
}
.footer-links a:hover { color: #fff; }

/* =========================================
   PÁGINA DE GRACIAS
   ========================================= */
.gracias-page {
  min-height: 100vh;
  display: flex; align-items: center; justify-content: center;
  background: var(--bg-alt);
  padding: 40px 20px;
}
.gracias-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 60px 50px;
  text-align: center;
  max-width: 520px; width: 100%;
  box-shadow: var(--shadow-lg);
  position: relative; overflow: hidden;
}
.gracias-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-cta));
}

.gracias-logo { height: 50px; width: auto; margin: 0 auto 24px; }

.gracias-icon {
  width: 88px; height: 88px;
  background: var(--color-primary-light);
  border: 2px solid var(--border-blue);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 28px;
  font-size: 2.4rem;
  animation: pop-in 0.5s cubic-bezier(0.34, 1.56, 0.64, 1) forwards;
}
@keyframes pop-in {
  0% { transform: scale(0); opacity: 0; }
  100% { transform: scale(1); opacity: 1; }
}

.gracias-title {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: 12px;
}
.gracias-sub { font-size: 1rem; color: var(--text-secondary); margin-bottom: 8px; line-height: 1.65; }
.gracias-highlight {
  display: inline-block;
  background: var(--color-primary-light);
  border: 1px solid var(--border-blue);
  border-radius: var(--radius-sm);
  padding: 10px 20px;
  font-size: 0.9rem;
  color: var(--color-primary);
  font-weight: 600;
  margin: 12px 0 28px;
}
.btn-wa-gracias {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  background: var(--color-wa);
  color: #fff; font-size: 1rem; font-weight: 700;
  padding: 15px 36px; border-radius: var(--radius-pill);
  box-shadow: 0 4px 14px rgba(37,211,102,0.3);
  transition: var(--transition);
  width: 100%;
}
.btn-wa-gracias:hover {
  background: var(--color-wa-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(37,211,102,0.35);
}
.btn-wa-gracias svg { width: 22px; height: 22px; fill: #fff; }
.gracias-return {
  display: block; margin-top: 18px;
  font-size: 0.85rem; color: var(--text-muted);
  cursor: pointer; transition: var(--transition);
}
.gracias-return:hover { color: var(--color-primary); }

/* =========================================
   PROCESO DE SOLICITUD
   ========================================= */
.proceso {
  padding: 110px 0;
  background: linear-gradient(180deg, #F8FAFC 0%, #FFFFFF 100%);
  border-top: 1px solid var(--border);
}
.proceso-header { text-align: center; margin-bottom: 56px; }

.proceso-steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
}

.proceso-step {
  flex: 1;
  text-align: center;
  padding: 32px 20px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  position: relative;
  transition: var(--transition);
  max-width: 220px;
}
.proceso-step:hover {
  border-color: var(--border-blue);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.paso-num {
  position: absolute;
  top: -14px; left: 50%;
  transform: translateX(-50%);
  width: 28px; height: 28px;
  background: var(--color-primary);
  color: #fff;
  font-size: 0.78rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  border: 2px solid #fff;
  box-shadow: var(--shadow-sm);
}
.paso-icon { font-size: 2rem; margin-bottom: 12px; display: block; }
.paso-title {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin-bottom: 8px;
}
.paso-desc { font-size: 0.82rem; color: var(--text-secondary); line-height: 1.5; }

.proceso-connector {
  flex-shrink: 0;
  width: 40px;
  height: 2px;
  background: linear-gradient(90deg, var(--border-blue), var(--color-primary));
  margin-top: 52px;
  position: relative;
}
.proceso-connector::after {
  content: '›';
  position: absolute;
  right: -6px;
  top: -10px;
  color: var(--color-primary);
  font-size: 1.2rem;
  font-weight: 700;
}

/* =========================================
   URGENCIA
   ========================================= */
.urgencia {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 100%);
}

.urgencia-inner {
  text-align: center;
  max-width: 680px;
  margin: 0 auto;
}

.urgencia-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-pill);
  padding: 7px 18px;
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.9);
  margin-bottom: 20px;
  letter-spacing: 0.5px;
}

.urgencia-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 900;
  color: #fff;
  margin-bottom: 16px;
  line-height: 1.2;
}

.urgencia-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 36px;
  line-height: 1.7;
}
.urgencia-sub strong { color: #fff; }

.urgencia-btns {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 28px;
}

.btn-urgencia-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--color-cta);
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  padding: 15px 34px;
  border-radius: var(--radius-pill);
  transition: var(--transition);
  box-shadow: 0 4px 16px rgba(220,38,38,0.35);
}
.btn-urgencia-primary:hover {
  background: var(--color-cta-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(220,38,38,0.4);
}

.btn-urgencia-wa {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.12);
  color: #fff;
  font-size: 1rem;
  font-weight: 600;
  padding: 14px 34px;
  border-radius: var(--radius-pill);
  border: 2px solid rgba(255,255,255,0.3);
  transition: var(--transition);
}
.btn-urgencia-wa:hover {
  background: rgba(255,255,255,0.2);
  border-color: rgba(255,255,255,0.5);
  transform: translateY(-2px);
}

.urgencia-trust {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
}

/* =========================================
   FAQ ACORDEÓN
   ========================================= */
.faq-section {
  padding: 110px 0;
  background: linear-gradient(180deg, #FFFFFF 0%, #F8FAFC 100%);
  border-top: 1px solid var(--border);
}
.faq-header { text-align: center; margin-bottom: 48px; }

.faq-list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: var(--transition);
}
.faq-item:hover { border-color: var(--border-blue); }
.faq-item.open { border-color: var(--color-primary); }

.faq-question {
  width: 100%;
  background: #fff;
  border: none;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-family: var(--font-main);
  font-size: 0.97rem;
  font-weight: 600;
  color: var(--text-primary);
  cursor: pointer;
  text-align: left;
  transition: var(--transition);
}
.faq-question:hover { background: var(--bg-card); }
.faq-item.open .faq-question { background: var(--color-primary-light); color: var(--color-primary); }

.faq-icon {
  flex-shrink: 0;
  width: 28px; height: 28px;
  background: var(--bg-alt);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  font-weight: 400;
  color: var(--text-secondary);
  transition: transform 0.25s ease;
}
.faq-item.open .faq-icon {
  transform: rotate(45deg);
  background: var(--color-primary);
  color: #fff;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
  background: var(--bg-card);
}
.faq-item.open .faq-answer { max-height: 300px; }

.faq-answer p {
  padding: 18px 24px 20px;
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.75;
}
.faq-answer p strong { color: var(--color-primary-dark); }

/* =========================================
   CTA FINAL
   ========================================= */
.cta-final {
  padding: 110px 0;
  background: linear-gradient(180deg, #F8FAFC 0%, #FFFFFF 100%);
  border-top: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}
/* Blob azul grande top-right */
.cta-final::before {
  content: '';
  position: absolute;
  top: -100px; right: -120px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(30,58,138,0.07) 0%, transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}
/* Blob rojo sutil bottom-left */
.cta-final::after {
  content: '';
  position: absolute;
  bottom: -80px; left: -60px;
  width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(220,38,38,0.04) 0%, transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}

.cta-final-inner {
  text-align: center;
  max-width: 680px;
  margin: 0 auto;
}

.cta-final-logo {
  margin-bottom: 28px;
  display: flex;
  justify-content: center;
  align-items: center;
}
.cta-final-logo img {
  display: block;
  margin: 0 auto;
}

.cta-final-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 900;
  color: var(--text-primary);
  margin-bottom: 16px;
  line-height: 1.2;
}

.cta-final-sub {
  font-size: 1.05rem;
  color: var(--text-secondary);
  margin-bottom: 36px;
  line-height: 1.7;
}

.cta-final-btns {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.cta-final-trust {
  display: flex;
  gap: 20px;
  justify-content: center;
  flex-wrap: wrap;
}

.cta-trust-item {
  display: flex; align-items: center; gap: 6px;
  font-size: 0.84rem;
  color: var(--text-secondary);
  font-weight: 500;
}

/* =========================================
   RESPONSIVE
   ========================================= */
@media (max-width: 1024px) {
  .beneficios-grid { grid-template-columns: repeat(3, 1fr); }
  .proceso-steps { flex-wrap: wrap; justify-content: center; gap: 16px; }
  .proceso-connector { display: none; }
  .proceso-step { max-width: 200px; }
}
@media (max-width: 768px) {
  .header-cta { display: none; }
  .hero { padding: 110px 0 60px; }
  .logo-img-header { height: 76px; }
  .hero-title { font-size: 2.2rem; }
  .hero-buttons { flex-direction: column; }
  .btn-primary, .btn-whatsapp { width: 100%; justify-content: center; }
  .hero-trust { gap: 14px; }
  .seg-cards { grid-template-columns: 1fr; }
  .tranquilidad-inner { grid-template-columns: 1fr; }
  .beneficios-grid { grid-template-columns: repeat(2, 1fr); }
  .beneficios-grid .beneficio-card:nth-child(5) { grid-column: span 2; }
  .stats-grid { grid-template-columns: 1fr; }
  .testimonios-grid { grid-template-columns: 1fr; }
  .formulario-inner { grid-template-columns: 1fr; }
  .form-wrapper { padding: 28px 20px; }
  .footer-content { flex-direction: column; text-align: center; }
  .gracias-card { padding: 40px 24px; }
  .whatsapp-float { bottom: 20px; right: 20px; }
  .proceso-step { max-width: none; width: 100%; }
  .urgencia-btns, .cta-final-btns { flex-direction: column; align-items: center; }
  .btn-urgencia-primary, .btn-urgencia-wa { width: 100%; justify-content: center; }
  .urgencia-trust { flex-direction: column; gap: 10px; }
  .cta-final-trust { flex-direction: column; gap: 10px; }
}
@media (max-width: 480px) {
  .beneficios-grid { grid-template-columns: 1fr; }
  .beneficios-grid .beneficio-card:nth-child(5) { grid-column: span 1; }
  .radio-group { grid-template-columns: 1fr; }
  .faq-question { font-size: 0.9rem; padding: 16px 18px; }
}

/* =========================================
   DECORACIONES MODERNAS DE FONDO (FINTECH)
   Añadido para mejorar la estética visual 
   con bajo impacto y estilo sutil (10-20%).
   Ondas abstractas, gradientes difuminados y líneas suaves.
   ========================================= */

body::before {
  content: '';
  position: fixed;
  top: 0; left: 0; width: 100vw; height: 100vh;
  z-index: -1;
  pointer-events: none;
  background-image: 
    linear-gradient(90deg, transparent 49.9%, rgba(30, 58, 138, 0.02) 50%, transparent 50.1%),
    linear-gradient(90deg, transparent 24.9%, rgba(30, 58, 138, 0.01) 25%, transparent 25.1%),
    linear-gradient(90deg, transparent 74.9%, rgba(30, 58, 138, 0.01) 75%, transparent 75.1%);
}

body::after {
  content: '';
  position: fixed;
  top: 0; left: 0; width: 100vw; height: 100vh;
  z-index: -1;
  pointer-events: none;
  background-image: 
    radial-gradient(circle at 0% 0%, rgba(30, 58, 138, 0.08) 0%, transparent 35%),
    radial-gradient(circle at 100% 100%, rgba(30, 58, 138, 0.05) 0%, transparent 40%);
}

.segmentacion {
  position: relative;
  background-image: 
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 320'%3E%3Cpath fill='rgba(30, 58, 138, 0.06)' fill-opacity='1' d='M0,128L48,138.7C96,149,192,171,288,165.3C384,160,480,128,576,144C672,160,768,224,864,229.3C960,235,1056,181,1152,149.3C1248,117,1344,107,1392,101.3L1440,96L1440,0L1392,0C1344,0,1248,0,1152,0C1056,0,960,0,864,0C768,0,672,0,576,0C480,0,384,0,288,0C192,0,96,0,48,0L0,0Z'%3E%3C/path%3E%3C/svg%3E");
  background-position: top;
  background-repeat: no-repeat;
  background-size: cover;
}

.tranquilidad {
  position: relative;
  background-image: 
    repeating-linear-gradient(-45deg, transparent, transparent 40px, rgba(30, 58, 138, 0.03) 40px, rgba(30, 58, 138, 0.03) 41px),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 320'%3E%3Cpath fill='rgba(30, 58, 138, 0.05)' fill-opacity='1' d='M0,256L60,229.3C120,203,240,149,360,149.3C480,149,600,203,720,202.7C840,203,960,149,1080,144C1200,139,1320,181,1380,202.7L1440,224L1440,320L1380,320C1320,320,1200,320,1080,320C960,320,840,320,720,320C600,320,480,320,360,320C240,320,120,320,60,320L0,320Z'%3E%3C/path%3E%3C/svg%3E");
  background-position: bottom;
  background-repeat: no-repeat;
  background-size: cover;
}

.beneficios {
  position: relative;
  background-image: 
    radial-gradient(circle at 90% 10%, rgba(220, 38, 38, 0.05) 0%, transparent 25%),
    radial-gradient(circle at 10% 90%, rgba(30, 58, 138, 0.06) 0%, transparent 30%);
}

.prueba-social {
  position: relative;
}
.prueba-social::before {
  content: '';
  position: absolute;
  top: 0; bottom: 0; left: 0; width: 120px;
  background: linear-gradient(90deg, rgba(30, 58, 138, 0.04), transparent);
  pointer-events: none;
}
.prueba-social::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0; right: 0; width: 120px;
  background: linear-gradient(-90deg, rgba(30, 58, 138, 0.04), transparent);
  pointer-events: none;
}

.formulario-section {
  position: relative;
  background-image: 
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 320'%3E%3Cpath fill='rgba(30, 58, 138, 0.04)' fill-opacity='1' d='M0,288L48,272C96,256,192,224,288,197.3C384,171,480,149,576,165.3C672,181,768,235,864,250.7C960,267,1056,245,1152,250.7C1248,256,1344,288,1392,304L1440,320L1440,0L1392,0C1344,0,1248,0,1152,0C1056,0,960,0,864,0C768,0,672,0,576,0C480,0,384,0,288,0C192,0,96,0,48,0L0,0Z'%3E%3C/path%3E%3C/svg%3E");
  background-position: top;
  background-repeat: no-repeat;
  background-size: cover;
}

.faq-section {
  position: relative;
  background-image: 
    radial-gradient(ellipse at -10% 50%, rgba(30, 58, 138, 0.06) 0%, transparent 40%),
    radial-gradient(ellipse at 110% 50%, rgba(30, 58, 138, 0.05) 0%, transparent 40%);
}

.proceso {
  position: relative;
}
.proceso::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: linear-gradient(135deg, rgba(30, 58, 138, 0.06) 0%, transparent 60%);
  pointer-events: none;
}