/* Smart Credit — sitio comercial.
   Marca: azul #2E4E8B ("Smart"), turquesa #1B9BC0 ("Credit"), cian #4FD8E8 (mango de la lupa), naranja #F57E17 (acento), tipografía Montserrat.
   Sin estilos en línea en el HTML: así la política de seguridad del servidor puede prohibirlos. Los anchos de las barras los pone site.js. */

@font-face { font-family: "Montserrat"; font-style: normal; font-weight: 400; font-display: swap; src: url("../fonts/montserrat-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Montserrat"; font-style: normal; font-weight: 500; font-display: swap; src: url("../fonts/montserrat-latin-500-normal.woff2") format("woff2"); }
@font-face { font-family: "Montserrat"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/montserrat-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Montserrat"; font-style: normal; font-weight: 700; font-display: swap; src: url("../fonts/montserrat-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Montserrat"; font-style: normal; font-weight: 800; font-display: swap; src: url("../fonts/montserrat-latin-800-normal.woff2") format("woff2"); }

:root {
  --blue: #2E4E8B;
  --blue-600: #3B5D9D;
  --blue-300: #7E9ACB;
  --teal: #1B9BC0;
  --cyan: #4FD8E8;
  --orange: #F57E17;
  --red: #C62828;
  --green: #2E7D32;
  --navy: #122341;
  --navy-2: #1A3166;
  --tint: #E8EDF6;
  --tint-2: #F4F6FB;
  --line: #DCE2EE;
  --ink: #14181F;
  --muted: #565E6E;
  --white: #fff;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow: 0 1px 2px rgba(18, 35, 65, .06), 0 8px 24px rgba(18, 35, 65, .08);
  --wrap: 1160px;
  --font: "Montserrat", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--font); font-size: 16px; line-height: 1.65; color: var(--ink); background: var(--white); -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img, svg { max-width: 100%; height: auto; }
a { color: var(--blue); }
a:hover { color: var(--navy-2); }
h1, h2, h3, h4 { margin: 0; line-height: 1.15; letter-spacing: -.015em; color: inherit; text-wrap: balance; }
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
button, input, textarea, select { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--cyan); outline-offset: 3px; border-radius: 6px; }
.skip { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 8px; text-decoration: none; font-weight: 600; }
.skip:focus { top: 12px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.wrap { width: min(var(--wrap), 100% - 40px); margin-inline: auto; }
.section { padding-block: clamp(56px, 8vw, 100px); }
.section.tint { background: var(--tint-2); }
.section.dark { background: var(--navy); color: #fff; }
.section-head { max-width: 760px; margin-bottom: clamp(28px, 4vw, 48px); }
.section-head.center { margin-inline: auto; text-align: center; }
.eyebrow { display: block; margin-bottom: 14px; font-size: 12.5px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--blue); }
.dark .eyebrow, .hero .eyebrow { color: var(--cyan); }
h2 { font-size: clamp(28px, 4.2vw, 44px); font-weight: 800; }
.lede { margin-top: 16px; font-size: clamp(16px, 1.6vw, 19px); color: var(--muted); }
.dark .lede { color: rgba(255,255,255,.78); }
.note { margin-top: 18px; font-size: 13.5px; color: var(--muted); }
.dark .note { color: rgba(255,255,255,.7); }

/* ---------- Íconos (máscaras recoloreables) ---------- */
.ic { display: inline-block; flex: none; width: 1em; height: 1em; background: currentColor; -webkit-mask: var(--i) center / contain no-repeat; mask: var(--i) center / contain no-repeat; }
.ic-users { --i: url("../icons/users.png"); } .ic-scale { --i: url("../icons/scale.png"); } .ic-percent { --i: url("../icons/percent.png"); }
.ic-warning { --i: url("../icons/warning.png"); } .ic-file { --i: url("../icons/file.png"); } .ic-chart { --i: url("../icons/chart.png"); }
.ic-calculator { --i: url("../icons/calculator.png"); } .ic-user-shield { --i: url("../icons/user-shield.png"); } .ic-shield { --i: url("../icons/shield.png"); }
.ic-arrow { --i: url("../icons/arrow.png"); } .ic-eye { --i: url("../icons/eye.png"); } .ic-user-check { --i: url("../icons/user-check.png"); }
.ic-check { --i: url("../icons/check.png"); } .ic-wallet { --i: url("../icons/wallet.png"); } .ic-doc-dollar { --i: url("../icons/doc-dollar.png"); }
.ic-piggy { --i: url("../icons/piggy.png"); } .ic-refresh { --i: url("../icons/refresh.png"); } .ic-pen { --i: url("../icons/pen.png"); }
.ic-crown { --i: url("../icons/crown.png"); } .ic-brain { --i: url("../icons/brain.png"); } .ic-clock { --i: url("../icons/clock.png"); }
.ic-sliders { --i: url("../icons/sliders.png"); } .ic-search { --i: url("../icons/search.png"); } .ic-puzzle { --i: url("../icons/puzzle.png"); }
.disc { display: grid; place-items: center; flex: none; width: 56px; height: 56px; border-radius: 50%; background: var(--tint); color: var(--blue); font-size: 26px; }
.disc.blue { background: var(--blue); color: #fff; }
.disc.orange { background: var(--orange); color: #fff; }
.disc.white { background: #fff; color: var(--blue); }

/* ---------- Botones ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 12px 24px; border: 2px solid transparent; border-radius: 999px; font-weight: 700; font-size: 15px; line-height: 1.2; text-decoration: none; cursor: pointer; transition: background .15s, color .15s, border-color .15s, transform .15s; }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: var(--navy-2); color: #fff; }
.btn-accent { background: var(--orange); color: var(--navy); }
.btn-accent:hover { background: #ff9435; color: var(--navy); }
.btn-ghost { border-color: var(--blue); color: var(--blue); background: transparent; }
.btn-ghost:hover { background: var(--tint); color: var(--navy-2); }
.btn-ghost-light { border-color: rgba(255,255,255,.7); color: #fff; background: transparent; }
.btn-ghost-light:hover { background: rgba(255,255,255,.14); color: #fff; }
.btn-sm { min-height: 40px; padding: 8px 18px; font-size: 14px; }
.btn .ic { font-size: 14px; }

/* ---------- Cabecera ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.94); backdrop-filter: saturate(1.4) blur(10px); -webkit-backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); }
.bar-head { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 72px; }
.brand { display: flex; align-items: center; flex: none; }
.brand img { display: block; width: 176px; height: auto; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a:not(.btn) { padding: 10px 12px; border-radius: 8px; color: var(--ink); font-weight: 600; font-size: 14.5px; text-decoration: none; }
.nav a:not(.btn):hover { background: var(--tint); color: var(--blue); }
.nav .btn { margin-left: 8px; }
.nav-toggle { display: none; width: 46px; height: 46px; border: 1px solid var(--line); border-radius: 10px; background: #fff; cursor: pointer; align-items: center; justify-content: center; }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after { display: block; width: 20px; height: 2px; background: var(--navy); border-radius: 2px; content: ""; position: relative; transition: transform .2s, top .2s, opacity .2s; }
.nav-toggle span::before { position: absolute; top: -6px; }
.nav-toggle span::after { position: absolute; 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); }

/* ---------- Portada ---------- */
.hero { position: relative; color: #fff; background: var(--navy) url("../img/hero.webp") center / cover no-repeat; isolation: isolate; }
.hero::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(18,35,65,.95) 0%, rgba(18,35,65,.86) 46%, rgba(46,78,139,.62) 100%); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); gap: clamp(28px, 5vw, 64px); align-items: center; padding-block: clamp(48px, 7vw, 96px); }
.hero h1 { font-size: clamp(32px, 5.2vw, 56px); font-weight: 800; letter-spacing: -.025em; }
.hero h1 em { font-style: normal; color: var(--cyan); }
.hero .lede { max-width: 560px; color: rgba(255,255,255,.86); }
.chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 26px; }
.chip { display: inline-flex; align-items: center; gap: 8px; padding: 9px 16px; border-radius: 999px; background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28); font-weight: 600; font-size: 14px; }
.chip .ic { color: var(--cyan); font-size: 15px; }
.cta-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }

/* Tarjeta de ejemplo (maqueta de una recomendación) */
.demo-card { background: #fff; color: var(--ink); border-radius: 18px; padding: clamp(18px, 2.4vw, 26px); box-shadow: 0 24px 60px rgba(0,0,0,.35); }
.demo-card header { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; padding-bottom: 14px; margin-bottom: 16px; border-bottom: 1px solid var(--line); }
.demo-card header strong { display: block; font-size: 16px; font-weight: 800; }
.demo-card header span { font-size: 12.5px; color: var(--muted); }
.tag { display: inline-flex; align-items: center; gap: 6px; padding: 4px 11px; border-radius: 999px; font-size: 12px; font-weight: 700; white-space: nowrap; }
.tag.ok { background: #E7F5E8; color: #1B5E20; }
.tag.warn { background: #FFF1DE; color: #8A4A00; }
.tag.bad { background: #FDE8E8; color: #A11D1D; }
.kpis { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
.kpi { padding: 12px 12px 10px; border: 1px solid var(--line); border-top: 3px solid var(--blue); border-radius: 10px; }
.kpi.g { border-top-color: var(--green); }
.kpi.t { border-top-color: var(--teal); }
.kpi b { display: block; font-size: clamp(16px, 1.7vw, 21px); font-weight: 800; line-height: 1.15; white-space: nowrap; }
.demo-card .kpi b { font-size: clamp(15px, 1.35vw, 18px); }
.kpi small { display: block; margin-top: 3px; font-size: 10.5px; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); line-height: 1.3; }
.demo-foot { margin-top: 14px; padding: 12px 14px; border-radius: 10px; background: var(--tint-2); font-size: 13px; color: var(--muted); }
.demo-foot strong { color: var(--ink); }
.demo-cap { margin-top: 12px; font-size: 12px; color: rgba(255,255,255,.66); text-align: center; }

/* ---------- Tarjetas y rejillas ---------- */
.grid { display: grid; gap: 20px; }
.grid.c2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid.c3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid.c4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(20px, 2.4vw, 28px); }
.tint .card { box-shadow: 0 1px 2px rgba(18,35,65,.04); }
.card h3 { font-size: 19px; font-weight: 800; }
.card p { margin-top: 6px; color: var(--muted); font-size: 15px; }
.card.row { display: flex; align-items: center; gap: 18px; }
.card.row > div { min-width: 0; }
.banner { display: flex; align-items: center; gap: 18px; margin-top: 22px; padding: 18px 24px; border-radius: var(--radius); background: var(--blue); color: #fff; font-weight: 700; font-size: clamp(16px, 2vw, 20px); }
.banner img { flex: none; width: 150px; height: auto; }
.banner p { min-width: 0; }

/* Pasos */
.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; counter-reset: paso; }
.step { position: relative; text-align: center; padding: 8px 14px 0; }
.step .disc { position: relative; width: 96px; height: 96px; margin: 0 auto 16px; font-size: 40px; }
.step .num { position: absolute; top: -4px; right: -4px; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: #fff; color: var(--blue); font-size: 14px; font-weight: 800; box-shadow: 0 1px 4px rgba(0,0,0,.18); }
.step h3 { font-size: 19px; font-weight: 800; }
.step p { margin-top: 6px; color: var(--muted); font-size: 15px; }
.step + .step::before { content: ""; position: absolute; top: 40px; left: -22px; width: 32px; height: 22px; background: var(--blue); -webkit-mask: url("../icons/arrow.png") center / contain no-repeat; mask: url("../icons/arrow.png") center / contain no-repeat; }
.callout { display: flex; align-items: center; gap: 16px; margin-top: 36px; padding: 18px 24px; border-radius: var(--radius); background: var(--tint); }
.callout .disc { width: 48px; height: 48px; font-size: 22px; background: var(--blue); color: #fff; }
.callout p { min-width: 0; font-size: 17px; }
.callout strong { color: var(--blue); }

/* Barras de puntaje */
.bars { margin-top: 18px; display: grid; gap: 16px; }
.bar-row { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 12px; align-items: baseline; font-size: 14.5px; font-weight: 600; }
.bar-row b { font-weight: 800; color: var(--blue); }
.track { grid-column: 1 / -1; height: 14px; border-radius: 999px; background: var(--tint); overflow: hidden; }
.fill { display: block; width: var(--w, 0%); height: 100%; border-radius: 999px; background: linear-gradient(90deg, var(--blue), var(--blue-600)); transition: width .9s cubic-bezier(.2,.7,.2,1); }
.fill.orange { background: var(--orange); }
.fill.done { width: var(--w, 0%); }
/* Sin JavaScript: el ancho de cada barra sale del atributo data-w */
.no-js .fill[data-w="33"] { width: 33%; }
.no-js .fill[data-w="50"] { width: 50%; }
.no-js .fill[data-w="57"] { width: 57%; }
.no-js .fill[data-w="64"] { width: 64%; }
.no-js .fill[data-w="69"] { width: 69%; }
.no-js .fill[data-w="80"] { width: 80%; }
.no-js .fill[data-w="83"] { width: 83%; }
.no-js .fill[data-w="100"] { width: 100%; }

.score-title { display: flex; align-items: baseline; justify-content: space-between; gap: 10px; }
.score-title h3 { color: var(--blue); font-size: 24px; }
.score-title span { font-size: 13px; color: var(--muted); font-weight: 600; }

/* Bandas */
.bands { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 14px; }
.band { padding: 22px 14px 20px; border-radius: var(--radius); text-align: center; color: #fff; }
.band .letra { display: block; font-size: 54px; font-weight: 800; line-height: 1; }
.band .rango { display: block; margin-top: 6px; font-size: 13px; opacity: .92; }
.band .pd { display: block; margin-top: 18px; font-size: 32px; font-weight: 800; line-height: 1; }
.band .pd-l { display: block; font-size: 12.5px; opacity: .92; }
.band .lim { display: block; margin-top: 16px; font-size: 15px; font-weight: 800; }
.band .lim-2 { display: block; font-size: 14px; opacity: .95; }
.band.a { background: var(--blue); }
.band.b { background: var(--blue-600); }
.band.c { background: var(--blue-300); color: var(--navy); }
.band.d { background: var(--orange); color: var(--navy); }
.band.e { background: var(--red); }
.mini-grid { margin-top: 20px; }

/* Capacidad */
.calc { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 12px; }
.calc .cell { padding: 16px 12px; text-align: center; border: 1px solid var(--line); border-radius: 12px; background: #fff; }
.calc .cell small { display: block; font-size: 13px; color: var(--muted); font-weight: 600; }
.calc .cell b { display: block; margin-top: 2px; font-size: clamp(22px, 2.6vw, 32px); font-weight: 800; }
.calc .cell.sum { background: #DFE6F3; }
.calc .cell.res { background: var(--blue); border-color: var(--blue); color: #fff; }
.calc .cell.res small { color: rgba(255,255,255,.8); }
.reco { display: flex; flex-direction: column; justify-content: center; padding: clamp(22px, 3vw, 32px); border-radius: var(--radius); background: var(--blue); color: #fff; }
.reco small { display: block; font-size: 12.5px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: #BFD0EE; }
.reco b { display: block; margin-top: 10px; font-size: clamp(24px, 3.2vw, 36px); font-weight: 800; line-height: 1.15; }
.reco span { display: block; margin-top: 8px; color: #D5E0F4; }
.rates h3 { font-size: 19px; font-weight: 800; margin-bottom: 14px; }
.rate { display: grid; grid-template-columns: 26px minmax(0, 1fr) auto; gap: 12px; align-items: center; margin-top: 10px; font-weight: 800; }
.rate .track { grid-column: auto; height: 20px; background: transparent; }
.rate .fill { background: var(--blue); border-radius: 6px; }
.rate.d .fill { background: var(--orange); }
.split { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: 20px; margin-top: 20px; align-items: stretch; }

/* Confianza */
.trust { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(24px, 4vw, 56px); align-items: start; }
.trust-list { display: grid; gap: 28px; }
.trust-list .item { display: flex; gap: 20px; align-items: center; }
.trust-list h3 { font-size: 22px; font-weight: 800; }
.trust-list p { color: var(--muted); }
.use-box { padding: 22px 24px; border-radius: var(--radius); }
.use-box h3 { font-size: 21px; font-weight: 800; margin-bottom: 14px; }
.use-box.si { background: #E7F5E8; } .use-box.si h3 { color: var(--green); }
.use-box.no { margin-top: 16px; background: #FDE8E8; } .use-box.no h3 { color: var(--red); }
.pills { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.pill { display: flex; align-items: center; justify-content: center; min-height: 54px; padding: 8px 12px; background: #fff; border-radius: 10px; font-weight: 700; font-size: 15px; text-align: center; }
.no .pill { color: var(--red); }
.no-row { display: grid; grid-template-columns: minmax(0, 1fr) 150px; gap: 14px; align-items: center; }
.faces { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px; }
.faces img { width: 100%; height: auto; border-radius: 50%; }

/* Del crédito a la cartera */
.flow { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 10px; text-align: center; }
.flow .f { position: relative; padding: 0 6px; }
.flow .disc { width: 84px; height: 84px; margin: 0 auto 14px; font-size: 36px; }
.flow h3 { font-size: 18px; font-weight: 800; }
.flow .f + .f::before { content: ""; position: absolute; top: 30px; left: -16px; width: 24px; height: 18px; background: var(--blue); -webkit-mask: url("../icons/arrow.png") center / contain no-repeat; mask: url("../icons/arrow.png") center / contain no-repeat; }
.formula-box { margin-top: 36px; padding: clamp(18px, 3vw, 28px); border-radius: var(--radius); background: var(--tint); }
.formula-box > small { display: block; margin-bottom: 14px; font-size: 12.5px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--blue); }
.formula { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; }
.formula .cell { padding: 16px 10px; border-radius: 12px; background: #fff; text-align: center; }
.formula .cell b { display: block; font-size: clamp(22px, 3vw, 34px); font-weight: 800; }
.formula .cell span { font-size: 14px; color: var(--muted); }
.formula .cell.res { background: var(--blue); }
.formula .cell.res b, .formula .cell.res span { color: #fff; }
.center-note { margin-top: 16px; text-align: center; color: var(--muted); font-size: 16px; }

/* Roles */
.roles .card { text-align: center; padding-top: 30px; }
.avatar-wrap { position: relative; width: 132px; margin: 0 auto 14px; }
.avatar-wrap > img { display: block; width: 100%; height: auto; border-radius: 50%; }
.avatar-wrap .disc { position: absolute; right: -4px; bottom: 0; width: 44px; height: 44px; font-size: 20px; background: var(--blue); color: #fff; }
.roles h3 { font-size: 26px; }
.roles .verbo { display: block; margin-top: 4px; font-weight: 800; letter-spacing: .08em; color: var(--blue); }
.roles p { margin-top: 12px; }
.strip { margin-top: 22px; padding: 18px 24px; border-radius: var(--radius); background: var(--blue); color: #fff; text-align: center; font-weight: 800; font-size: clamp(16px, 2vw, 21px); }

/* Módulos */
.module { display: flex; gap: 20px; align-items: flex-start; }
.module.main { background: var(--blue); border-color: var(--blue); color: #fff; }
.module.main p { color: #D5E0F4; }
.module.main .disc { background: #fff; color: var(--blue); }
.module .disc { width: 64px; height: 64px; font-size: 30px; }
.module h3 { font-size: 22px; }
.module ul { margin-top: 12px; display: grid; gap: 6px; font-size: 14.5px; }
.module li { display: flex; gap: 8px; align-items: flex-start; }
.module li .ic { margin-top: 4px; font-size: 13px; color: var(--teal); }
.module.main li .ic { color: var(--cyan); }
.modo { margin-top: 20px; padding: 16px 22px; border-radius: var(--radius); background: #FFF6E0; text-align: center; font-size: 16px; }

/* Cobro */
.fee { text-align: left; }
.fee .big { display: block; font-size: clamp(54px, 7vw, 76px); font-weight: 800; line-height: 1; color: var(--blue); }
.fee h3 { margin-top: 10px; font-size: 21px; }
.example { margin-top: 20px; padding: 22px; text-align: center; border-radius: var(--radius); background: var(--blue); color: #fff; }
.example small { display: block; font-size: 12.5px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: #BFD0EE; }
.example b { display: block; margin-top: 8px; font-size: clamp(22px, 3.6vw, 38px); font-weight: 800; line-height: 1.2; }
.badges { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; margin-top: 20px; }
.badges .card { display: flex; align-items: center; gap: 14px; padding: 16px 20px; font-weight: 800; font-size: 17px; }
.badges .disc { width: 44px; height: 44px; font-size: 20px; }

/* Casos */
.cases { display: grid; grid-template-columns: minmax(0, 340px) minmax(0, 1fr); gap: 24px; align-items: start; }
.tabs { display: grid; gap: 8px; }
.tab { display: flex; align-items: center; gap: 14px; width: 100%; padding: 10px 14px; border: 2px solid transparent; border-radius: 14px; background: rgba(255,255,255,.08); color: #fff; text-align: left; cursor: pointer; transition: background .15s, border-color .15s; }
.tab:hover { background: rgba(255,255,255,.16); }
.tab[aria-selected="true"] { background: #fff; color: var(--navy); border-color: var(--cyan); }
.tab img { flex: none; width: 48px; height: 48px; border-radius: 50%; }
.tab b { display: block; font-size: 15.5px; font-weight: 800; line-height: 1.25; }
.tab small { display: block; font-size: 13px; opacity: .85; line-height: 1.3; }
.tab span:last-child { min-width: 0; }
.panel { background: #fff; color: var(--ink); border-radius: 18px; padding: clamp(20px, 3vw, 32px); min-width: 0; }
.js .panel[hidden] { display: none; }
.no-js .panel + .panel { margin-top: 20px; }
.panel-head { display: flex; align-items: center; gap: 16px; margin-bottom: 20px; }
.panel-head img { flex: none; width: 72px; height: 72px; border-radius: 50%; }
.panel-head h3 { font-size: clamp(22px, 2.6vw, 28px); font-weight: 800; }
.panel-head p { color: var(--muted); font-size: 15px; }
.panel .kpis { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.verdict { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 14px; margin-top: 18px; padding: 14px 16px; border-radius: 12px; background: var(--tint-2); }
.verdict strong { font-size: 15px; }
.lessons { margin-top: 16px; display: grid; gap: 8px; font-size: 15px; color: var(--muted); }
.lessons li { display: flex; gap: 10px; align-items: flex-start; }
.lessons li::before { content: ""; flex: none; width: 9px; height: 9px; margin-top: 8px; border-radius: 50%; background: var(--blue); }
.lessons strong { color: var(--ink); }
.panel .bars { margin-top: 20px; }
.panel .bars h4 { font-size: 14px; letter-spacing: .08em; text-transform: uppercase; color: var(--blue); }

/* Política */
.policy-list { display: grid; gap: 18px; margin-top: 8px; }
.policy-list .item { display: flex; gap: 16px; align-items: flex-start; }
.policy-list .disc { width: 46px; height: 46px; font-size: 20px; }
.policy-list h3 { font-size: 18px; font-weight: 800; }
.policy-list p { color: var(--muted); }
.honest { margin-top: 28px; padding: 18px 22px; border-left: 5px solid var(--orange); border-radius: 0 var(--radius) var(--radius) 0; background: #FFF6E0; font-size: 15.5px; }

/* Por qué */
.why { position: relative; color: #fff; background: var(--navy) url("../img/apreton.webp") center / cover no-repeat; isolation: isolate; }
.why::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(18,35,65,.95), rgba(33,58,104,.9)); }
.why h2 { max-width: 640px; }
.why .card { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.2); color: #fff; backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); }
.why .card p { color: rgba(255,255,255,.82); }
.why .disc { background: #fff; color: var(--blue); }
.why-cta { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 18px; margin-top: 36px; }
.why-cta p { font-size: clamp(18px, 2.2vw, 26px); font-weight: 800; }

/* FAQ */
.faq { max-width: 860px; margin-inline: auto; display: grid; gap: 12px; }
.faq details { border: 1px solid var(--line); border-radius: var(--radius-sm); background: #fff; }
.faq summary { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 22px; font-weight: 700; font-size: 16.5px; cursor: pointer; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; flex: none; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--tint); color: var(--blue); font-size: 20px; font-weight: 700; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { padding: 0 22px 20px; color: var(--muted); }

/* Contacto */
.contact { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(28px, 5vw, 64px); align-items: start; }
.contact ul { margin-top: 22px; display: grid; gap: 12px; }
.contact li { display: flex; gap: 12px; align-items: flex-start; font-weight: 600; }
.contact li .ic { margin-top: 4px; color: var(--teal); font-size: 16px; }
form.card { padding: clamp(22px, 3vw, 34px); box-shadow: var(--shadow); }
.field { margin-bottom: 16px; }
.field label { display: block; margin-bottom: 6px; font-size: 14px; font-weight: 700; }
.field label small { font-weight: 500; color: var(--muted); }
.field input, .field textarea { width: 100%; min-height: 48px; padding: 12px 14px; border: 1.5px solid #C5CDDC; border-radius: 10px; background: #fff; transition: border-color .15s, box-shadow .15s; }
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(46,78,139,.18); }
.field input:user-invalid { border-color: var(--red); }
.two { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.check { display: flex; gap: 12px; align-items: flex-start; margin: 4px 0 18px; font-size: 13.5px; color: var(--muted); }
.check input { flex: none; width: 20px; height: 20px; margin-top: 2px; accent-color: var(--blue); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-status { margin-top: 16px; padding: 14px 16px; border-radius: 10px; font-weight: 600; font-size: 15px; }
.form-status[hidden] { display: none; }
.form-status.ok { background: #E7F5E8; color: #1B5E20; }
.form-status.err { background: #FDE8E8; color: #A11D1D; }

/* Pie */
.site-footer { background: var(--navy); color: rgba(255,255,255,.8); padding: 48px 0 28px; font-size: 14.5px; }
.foot-grid { display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr) minmax(0, 1fr); gap: 32px; }
.foot-brand img { display: block; width: 190px; height: auto; }
.foot-brand p { margin-top: 16px; max-width: 380px; }
.site-footer h4 { margin-bottom: 12px; font-size: 13px; letter-spacing: .14em; text-transform: uppercase; color: #fff; }
.site-footer ul { display: grid; gap: 8px; }
.site-footer a { color: rgba(255,255,255,.8); text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.legal { margin-top: 36px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.16); font-size: 12.5px; color: rgba(255,255,255,.62); }

/* Páginas legales / gracias */
.doc { max-width: 820px; margin-inline: auto; padding-block: 56px 80px; }
.doc h1 { font-size: clamp(30px, 4.4vw, 44px); font-weight: 800; }
.doc h2 { margin-top: 36px; font-size: 22px; }
.doc p, .doc li { margin-top: 12px; color: #2d3340; }
.doc ul { list-style: disc; padding-left: 22px; }
.doc .meta { margin-top: 10px; color: var(--muted); font-size: 14px; }
.draft { margin-top: 22px; padding: 14px 18px; border-left: 5px solid var(--orange); background: #FFF6E0; border-radius: 0 10px 10px 0; font-size: 14.5px; }
.thanks { text-align: center; padding-block: 90px; }
.thanks .disc { width: 84px; height: 84px; margin: 0 auto 24px; font-size: 40px; background: #E7F5E8; color: var(--green); }
.thanks p { margin: 14px auto 28px; max-width: 520px; color: var(--muted); }

/* Aparición suave */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in, .no-js .reveal { opacity: 1; transform: none; }

/* ---------- Pantallas medianas ---------- */
@media (max-width: 1040px) {
  .hero-grid { grid-template-columns: 1fr; }
  .demo-wrap { max-width: 560px; }
  .grid.c4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .bands { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .split, .trust, .contact { grid-template-columns: 1fr; }
  .cases { grid-template-columns: 1fr; }
  .tabs { grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 28px; }
  .step + .step::before { display: none; }
  .flow { grid-template-columns: repeat(3, minmax(0, 1fr)); row-gap: 24px; }
  .flow .f + .f::before { display: none; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .foot-brand { grid-column: 1 / -1; }
}
@media (max-width: 860px) {
  .nav-toggle { display: inline-flex; }
  .nav { position: absolute; top: 100%; left: 0; right: 0; display: none; flex-direction: column; align-items: stretch; gap: 2px; padding: 12px 20px 20px; background: #fff; border-bottom: 1px solid var(--line); box-shadow: 0 16px 32px rgba(18,35,65,.12); }
  .nav.open { display: flex; }
  .nav a:not(.btn) { padding: 14px 12px; font-size: 16px; }
  .nav .btn { margin: 8px 0 0; }
  .grid.c3 { grid-template-columns: 1fr; }
  .calc { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .calc .cell.res { grid-column: 1 / -1; }
  .formula { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .badges { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .wrap { width: min(var(--wrap), 100% - 32px); }
  .brand img { width: 150px; }
  .grid.c2, .grid.c4 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .bands { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .band.e { grid-column: 1 / -1; }
  .flow { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .kpis, .panel .kpis { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .kpi b { white-space: normal; }
  .pills { grid-template-columns: 1fr; }
  .no-row { grid-template-columns: 1fr; }
  .faces { grid-template-columns: repeat(4, 1fr); }
  .two { grid-template-columns: 1fr; }
  .banner { flex-direction: column; align-items: flex-start; }
  .callout { align-items: flex-start; }
  .module { flex-direction: column; align-items: flex-start; }
  .tab small { display: none; }
  .tabs { grid-template-columns: 1fr 1fr; gap: 6px; }
  .tab { padding: 8px 10px; gap: 10px; }
  .tab img { width: 38px; height: 38px; }
  .tab b { font-size: 13.5px; }
  .foot-grid { grid-template-columns: 1fr; }
  .cta-row .btn, .why-cta .btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .fill { transition: none; }
  .btn { transition: none; }
}
@media print {
  .site-header, .hero::before, .why::before { display: none; }
  .reveal { opacity: 1; transform: none; }
}