:root{
  --navy:#0b1d3a;
  --navy-2:#132a4e;
  --navy-3:#1c3663;
  --gold:#bd9433;
  --gold-light:#d9b65a;
  --cream:#f6f3ec;
  --white:#ffffff;
  --ink:#182236;
  --gray:#5c6472;
  --gray-light:#e6e2d8;
  --line:#e5e0d3;
  --r:10px;
  --shadow:0 18px 40px -18px rgba(11,29,58,.35);
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  font-family:'Inter',sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:'Fraunces',serif;
  font-weight:600;
  line-height:1.12;
  color:var(--navy);
}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}
img{max-width:100%;display:block;}
.wrap{max-width:1180px;margin:0 auto;padding:0 28px;}
.eyebrow{
  font-size:.72rem;
  letter-spacing:.16em;
  text-transform:uppercase;
  font-weight:700;
  color:var(--gold);
  display:inline-flex;
  align-items:center;
  gap:8px;
}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--gold);display:inline-block;}
.btn{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:15px 28px;
  border-radius:999px;
  font-weight:700;
  font-size:.94rem;
  border:2px solid transparent;
  cursor:pointer;
  transition:transform .25s ease, box-shadow .25s ease, background .25s ease, color .25s ease;
  white-space:nowrap;
}
.btn-gold{background:var(--gold);color:var(--navy);}
.btn-gold:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 12px 24px -8px rgba(189,148,51,.55);}
.btn-outline{border-color:rgba(255,255,255,.4);color:var(--white);}
.btn-outline:hover{border-color:var(--white);background:rgba(255,255,255,.08);}
.btn-navy{background:var(--navy);color:var(--white);}
.btn-navy:hover{background:var(--navy-3);transform:translateY(-2px);}

/* ---------- TOPBAR ---------- */
.topbar{
  background:var(--navy);
  color:rgba(255,255,255,.78);
  font-size:.8rem;
}
.topbar .wrap{
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding:8px 28px;
  gap:16px;
  flex-wrap:wrap;
}
.topbar-left{display:flex;align-items:center;gap:22px;}
.topbar a{display:inline-flex;align-items:center;gap:6px;transition:color .2s;}
.topbar a:hover{color:var(--gold-light);}
.topbar-social{display:flex;gap:14px;}
.topbar svg{width:14px;height:14px;flex-shrink:0;}

/* ---------- NAVBAR ---------- */
.navbar{
  background:var(--white);
  border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:500;
  transition:box-shadow .3s ease;
}
.navbar.is-sticky{box-shadow:0 6px 24px -12px rgba(11,29,58,.25);}
.navbar .wrap{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:16px 28px;
  gap:24px;
}
.logo{
  display:flex;
  align-items:center;
  gap:12px;
  font-family:'Fraunces',serif;
  font-weight:700;
  font-size:1.28rem;
  color:var(--navy);
  letter-spacing:-.01em;
}
.logo .mark{
  width:40px;height:40px;
  border-radius:9px;
  background:linear-gradient(150deg,var(--navy),var(--navy-3));
  display:flex;align-items:center;justify-content:center;
  position:relative;
  flex-shrink:0;
}
.logo .mark::after{
  content:"";
  width:14px;height:14px;
  background:var(--gold);
  border-radius:3px;
  transform:rotate(45deg);
}
.logo small{display:block;font-family:'Inter',sans-serif;font-weight:600;font-size:.62rem;letter-spacing:.1em;color:var(--gray);text-transform:uppercase;margin-top:1px;}
.nav-links{display:flex;align-items:center;gap:34px;}
.nav-links a{
  font-weight:600;font-size:.94rem;color:var(--ink);
  position:relative;padding:6px 0;
}
.nav-links a::after{
  content:"";position:absolute;left:0;bottom:0;height:2px;width:0;
  background:var(--gold);transition:width .25s ease;
}
.nav-links a:hover::after{width:100%;}
.nav-cta{display:flex;align-items:center;gap:18px;}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:6px;}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;}

/* ---------- HERO ---------- */
.hero{
  background:var(--navy);
  position:relative;
  overflow:hidden;
}
.hero::before{
  content:"";
  position:absolute;top:-30%;right:-10%;
  width:640px;height:640px;
  background:radial-gradient(circle,rgba(189,148,51,.18),transparent 70%);
  pointer-events:none;
}
.hero-grid{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  align-items:center;
  gap:40px;
  min-height:640px;
  padding:64px 0;
}
.hero-copy{position:relative;z-index:2;}
.hero-copy .eyebrow{color:var(--gold-light);margin-bottom:22px;}
.hero-copy .eyebrow::before{background:var(--gold-light);}
.hero-copy h1{
  color:var(--white);
  font-size:clamp(2.3rem,4vw,3.4rem);
  margin-bottom:22px;
  max-width:11ch;
}
.hero-copy h1 em{color:var(--gold-light);font-style:normal;}
.hero-copy p{
  color:rgba(255,255,255,.72);
  font-size:1.08rem;
  max-width:46ch;
  margin-bottom:34px;
}
.hero-copy p strong{color:var(--white);}
.hero-actions{display:flex;align-items:center;gap:20px;flex-wrap:wrap;}
.hero-link{display:flex;align-items:center;gap:8px;color:var(--white);font-weight:600;font-size:.92rem;}
.hero-link .circle{
  width:34px;height:34px;border-radius:50%;
  border:1px solid rgba(255,255,255,.35);
  display:flex;align-items:center;justify-content:center;
  transition:background .2s, border-color .2s;
}
.hero-link:hover .circle{background:var(--gold);border-color:var(--gold);}
.hero-stats{
  display:flex;gap:40px;margin-top:52px;
  padding-top:28px;border-top:1px solid rgba(255,255,255,.14);
}
.hero-stats div strong{
  display:block;font-family:'Fraunces',serif;font-size:1.7rem;color:var(--gold-light);
}
.hero-stats div span{font-size:.8rem;color:rgba(255,255,255,.6);}

.hero-media{position:relative;z-index:1;}
.hero-photo{
  position:relative;
  border-radius:14px;
  overflow:hidden;
  aspect-ratio:4/4.6;
  box-shadow:0 30px 60px -20px rgba(0,0,0,.55);
}
.hero-photo img{width:100%;height:100%;object-fit:cover;}
.hero-badge{
  position:absolute;left:-26px;bottom:34px;
  background:var(--white);
  border-radius:12px;
  padding:16px 20px;
  box-shadow:var(--shadow);
  display:flex;align-items:center;gap:12px;
  max-width:230px;
}
.hero-badge .ico{
  width:38px;height:38px;border-radius:9px;background:var(--cream);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.hero-badge .ico svg{width:19px;height:19px;stroke:var(--gold);}
.hero-badge strong{display:block;font-size:.85rem;color:var(--navy);font-family:'Inter',sans-serif;font-weight:700;}
.hero-badge span{font-size:.76rem;color:var(--gray);}

/* ---------- PILARES ---------- */
.pilares{padding:96px 0 90px;background:var(--white);}
.section-head{
  max-width:none;margin-bottom:56px;
  display:grid;grid-template-columns:1.1fr 1fr;column-gap:56px;align-items:end;
}
.section-head .eyebrow{grid-column:1;grid-row:1;}
.section-head h2{grid-column:1;grid-row:2;}
.section-head p{grid-column:2;grid-row:2;margin:0 !important;align-self:end;max-width:52ch;}
/* si la sección no lleva bajada, el título ocupa todo el ancho */
.section-head:not(:has(p)){display:block;}
.section-head:not(:has(p)) h2{max-width:24ch;}
/* dentro de columnas o de flex, el encabezado va apilado */
.porque-copy .section-head,
.finanzas-top .section-head{display:block;max-width:640px;}
.porque-copy .section-head p,
.finanzas-top .section-head p{margin-top:14px !important;}
.section-head .eyebrow{margin-bottom:16px;}
.section-head h2{font-size:clamp(1.7rem,2.6vw,2.3rem);}
.pilar-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:var(--line);
  border:1px solid var(--line);
  border-radius:14px;
  overflow:hidden;
}
.pilar-card{
  background:var(--white);
  padding:38px 30px;
  transition:background .25s ease;
}
.pilar-card:hover{background:var(--cream);}
.pilar-num{
  font-family:'Fraunces',serif;font-size:.78rem;color:var(--gold);
  font-weight:600;margin-bottom:22px;letter-spacing:.05em;
}
.pilar-card .ico{
  width:46px;height:46px;border-radius:11px;
  background:var(--navy);
  display:flex;align-items:center;justify-content:center;
  margin-bottom:20px;
}
.pilar-card .ico svg{width:22px;height:22px;stroke:var(--gold-light);}
.pilar-card h3{font-size:1.06rem;margin-bottom:10px;}
.pilar-card p{font-size:.9rem;color:var(--gray);}

/* ---------- COMO FUNCIONA ---------- */
.como{padding:90px 0;background:var(--cream);position:relative;}
.como-head{text-align:center;max-width:560px;margin:0 auto 66px;}
.como-head .eyebrow{justify-content:center;margin-bottom:16px;}
.pasos{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:0;
  position:relative;
}
.pasos::before{
  content:"";
  position:absolute;top:34px;left:14%;right:14%;height:2px;
  background-image:linear-gradient(to right, var(--gold) 45%, transparent 0%);
  background-size:14px 2px;background-repeat:repeat-x;
}
.paso{position:relative;text-align:center;padding:0 24px;}
.paso-num{
  width:68px;height:68px;border-radius:50%;
  background:var(--navy);color:var(--gold-light);
  font-family:'Fraunces',serif;font-size:1.5rem;font-weight:600;
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 26px;position:relative;z-index:2;
  box-shadow:0 0 0 8px var(--cream);
}
.paso h3{font-size:1.12rem;margin-bottom:10px;}
.paso p{font-size:.9rem;color:var(--gray);max-width:26ch;margin:0 auto;}

/* ---------- POR QUE ELEGIRNOS ---------- */
.porque{padding:96px 0;background:var(--white);}
.porque-grid{
  display:grid;
  grid-template-columns:.85fr 1.15fr;
  gap:64px;
  align-items:center;
}
.porque-media{position:relative;}
.porque-photo{
  border-radius:14px;overflow:hidden;aspect-ratio:5/5.6;
  box-shadow:var(--shadow);
}
.porque-photo img{width:100%;height:100%;object-fit:cover;}
.porque-tag{
  position:absolute;right:-20px;top:32px;
  background:var(--navy);color:var(--white);
  padding:18px 22px;border-radius:12px;
  box-shadow:var(--shadow);
  max-width:190px;
}
.porque-tag strong{display:block;font-family:'Fraunces',serif;font-size:1.6rem;color:var(--gold-light);}
.porque-tag span{font-size:.78rem;color:rgba(255,255,255,.7);}
.porque-copy .section-head{margin-bottom:30px;}
.bullets{display:grid;gap:20px;}
.bullet{display:flex;gap:16px;align-items:flex-start;}
.bullet .check{
  width:26px;height:26px;border-radius:50%;background:var(--cream);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;
}
.bullet .check svg{width:13px;height:13px;stroke:var(--gold);stroke-width:3;}
.bullet h4{font-family:'Inter',sans-serif;font-weight:700;font-size:.98rem;margin-bottom:3px;color:var(--navy);}
.bullet p{font-size:.88rem;color:var(--gray);}

/* ---------- TESTIMONIOS ---------- */
.testimonios{padding:96px 0;background:var(--navy);position:relative;overflow:hidden;}
.testimonios::before{
  content:"";position:absolute;bottom:-20%;left:-8%;width:520px;height:520px;
  background:radial-gradient(circle,rgba(189,148,51,.14),transparent 70%);
}
.testi-head{max-width:560px;margin-bottom:56px;position:relative;z-index:1;}
.testi-head .eyebrow{color:var(--gold-light);margin-bottom:16px;}
.testi-head .eyebrow::before{background:var(--gold-light);}
.testi-head h2{color:var(--white);}
.testi-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:26px;position:relative;z-index:1;
}
.testi-card{
  background:rgba(255,255,255,.05);
  border:1px solid rgba(255,255,255,.12);
  border-radius:14px;padding:34px 28px;
}
.testi-quote{font-family:'Fraunces',serif;font-size:2.4rem;color:var(--gold);line-height:1;margin-bottom:14px;}
.testi-card p.txt{color:rgba(255,255,255,.82);font-size:.94rem;margin-bottom:26px;}
.testi-person{display:flex;align-items:center;gap:12px;}
.testi-person img{width:44px;height:44px;border-radius:50%;object-fit:cover;}
.testi-person strong{display:block;color:var(--white);font-size:.9rem;}
.testi-person span{font-size:.78rem;color:rgba(255,255,255,.55);}

/* ---------- ESTADOS FINANCIEROS (TRANSPARENCIA) ---------- */
.finanzas{padding:96px 0;background:var(--white);}
.finanzas-top{
  display:flex;justify-content:space-between;align-items:flex-end;gap:24px;
  margin-bottom:44px;flex-wrap:wrap;
}
.finanzas-top .section-head{margin-bottom:0;}
.finanzas-note{
  display:flex;align-items:center;gap:10px;font-size:.82rem;color:var(--gray);
  max-width:34ch;
}
.finanzas-note svg{width:18px;height:18px;stroke:var(--gold);flex-shrink:0;}
.finanzas-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:22px;
}
.finanzas-card{
  border:1px solid var(--line);
  border-radius:14px;
  padding:28px 26px;
  display:flex;flex-direction:column;gap:16px;
  background:var(--cream);
  transition:border-color .2s ease, transform .2s ease;
}
.finanzas-card:hover{border-color:var(--gold);transform:translateY(-3px);}
.finanzas-year{
  display:flex;align-items:center;justify-content:space-between;
}
.finanzas-year strong{font-family:'Fraunces',serif;font-size:1.6rem;color:var(--navy);}
.finanzas-year .badge{
  font-size:.68rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;
  background:var(--navy);color:var(--gold-light);padding:4px 10px;border-radius:999px;
}
.finanzas-card ul{display:grid;gap:10px;}
.finanzas-card li a{
  display:flex;align-items:center;gap:10px;font-size:.86rem;color:var(--ink);
  padding:9px 12px;background:var(--white);border:1px solid var(--line);border-radius:8px;
  transition:border-color .2s ease, color .2s ease;
}
.finanzas-card li a:hover{border-color:var(--gold);color:var(--navy);}
.finanzas-card li a svg{width:15px;height:15px;stroke:var(--gold);flex-shrink:0;}
.finanzas-card li a span.tag{margin-left:auto;font-size:.68rem;color:var(--gray);text-transform:uppercase;letter-spacing:.03em;}
.finanzas-legal{font-size:.78rem;color:var(--gray);margin-top:34px;max-width:74ch;}

/* ---------- CTA FINAL ---------- */
.cta-final{padding:96px 0;background:var(--cream);}
.cta-box{
  background:var(--navy);
  border-radius:20px;
  padding:60px;
  display:grid;
  grid-template-columns:1fr .85fr;
  gap:48px;
  align-items:center;
  position:relative;
  overflow:hidden;
}
.cta-box::after{
  content:"";position:absolute;top:-40%;right:-10%;width:400px;height:400px;
  background:radial-gradient(circle,rgba(189,148,51,.2),transparent 70%);
}
.cta-copy{position:relative;z-index:1;}
.cta-copy .eyebrow{color:var(--gold-light);margin-bottom:16px;}
.cta-copy .eyebrow::before{background:var(--gold-light);}
.cta-copy h2{color:var(--white);font-size:clamp(1.7rem,2.6vw,2.15rem);margin-bottom:16px;max-width:14ch;}
.cta-copy p{color:rgba(255,255,255,.72);font-size:.98rem;margin-bottom:0;max-width:38ch;}
.cta-form{
  position:relative;z-index:1;
  background:var(--white);
  border-radius:14px;
  padding:30px;
  box-shadow:var(--shadow);
}
.cta-form h3{font-size:1.05rem;margin-bottom:4px;}
.cta-form .sub{font-size:.82rem;color:var(--gray);margin-bottom:20px;}
.field{margin-bottom:14px;}
.field label{display:block;font-size:.76rem;font-weight:700;color:var(--navy);margin-bottom:6px;text-transform:uppercase;letter-spacing:.04em;}
.field input,.field select{
  width:100%;padding:11px 14px;border:1px solid var(--line);border-radius:8px;
  font-family:'Inter',sans-serif;font-size:.92rem;color:var(--ink);background:var(--white);
}
.field input:focus,.field select:focus{outline:none;border-color:var(--gold);}
.cta-form .btn{width:100%;justify-content:center;margin-top:6px;}
.cta-form .legal{font-size:.7rem;color:var(--gray);margin-top:12px;text-align:center;}

/* Formulario embebido del CRM dentro de la misma tarjeta blanca */
.cta-form--crm{padding:30px 22px 22px;}
.cta-form--crm iframe{
  display:block;width:100%;height:656px;border:none;border-radius:8px;
  background:var(--white);
}
.cta-form--crm .legal{margin-top:10px;}

/* ---------- FOOTER ---------- */
.site-footer{background:#081428;color:rgba(255,255,255,.68);padding-top:72px;}
.footer-grid{
  display:grid;grid-template-columns:1.3fr .8fr .8fr 1fr;gap:48px;
  padding-bottom:52px;border-bottom:1px solid rgba(255,255,255,.1);
}
.footer-logo{display:flex;align-items:center;gap:12px;color:var(--white);font-family:'Fraunces',serif;font-weight:700;font-size:1.2rem;margin-bottom:16px;}
.footer-logo .mark{width:36px;height:36px;border-radius:8px;background:linear-gradient(150deg,var(--navy-3),var(--navy));display:flex;align-items:center;justify-content:center;position:relative;flex-shrink:0;}
.footer-logo .mark::after{content:"";width:12px;height:12px;background:var(--gold);border-radius:3px;transform:rotate(45deg);}
.site-footer p.desc{font-size:.86rem;max-width:32ch;margin-bottom:22px;}
.footer-social{display:flex;gap:12px;}
.footer-social a{
  width:34px;height:34px;border-radius:50%;border:1px solid rgba(255,255,255,.18);
  display:flex;align-items:center;justify-content:center;transition:background .2s,border-color .2s;
}
.footer-social a:hover{background:var(--gold);border-color:var(--gold);}
.footer-social svg{width:14px;height:14px;}
.site-footer h4{color:var(--white);font-family:'Inter',sans-serif;font-weight:700;font-size:.88rem;text-transform:uppercase;letter-spacing:.05em;margin-bottom:18px;}
.footer-links li{margin-bottom:11px;}
.footer-links a{font-size:.88rem;transition:color .2s;}
.footer-links a:hover{color:var(--gold-light);}
.footer-contact li{display:flex;gap:10px;margin-bottom:14px;font-size:.86rem;align-items:flex-start;}
.footer-contact svg{width:16px;height:16px;stroke:var(--gold);flex-shrink:0;margin-top:2px;}
.reg-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:6px;}
.reg-badge{
  border:1px solid rgba(255,255,255,.18);
  border-radius:8px;padding:9px 12px;
  font-size:.72rem;font-weight:700;letter-spacing:.03em;color:rgba(255,255,255,.85);
  display:flex;align-items:center;gap:7px;
}
.reg-badge .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);}
.footer-bottom{
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px;
  padding:26px 0 34px;font-size:.78rem;color:rgba(255,255,255,.45);
}
.footer-bottom a{color:rgba(255,255,255,.6);}
.footer-bottom a:hover{color:var(--gold-light);}
.legal-note{
  font-size:.74rem;color:rgba(255,255,255,.4);line-height:1.7;
  padding-bottom:36px;max-width:none;
}

/* reveal */
[data-animate]{opacity:0;transform:translateY(22px);transition:opacity .7s ease, transform .7s ease;}
[data-animate].is-visible{opacity:1;transform:none;}

/* ---------- RESPONSIVE ---------- */
@media (max-width:980px){
  .section-head{display:block;}
  .section-head p{margin-top:14px !important;max-width:none;}
  .hero-grid{grid-template-columns:1fr;min-height:auto;padding:44px 0 56px;}
  .hero-media{order:-1;}
  .hero-badge{left:16px;}
  .pilar-grid{grid-template-columns:repeat(2,1fr);}
  .pasos{grid-template-columns:1fr;gap:46px;}
  .pasos::before{display:none;}
  .porque-grid{grid-template-columns:1fr;}
  .porque-tag{right:16px;}
  .testi-grid{grid-template-columns:1fr;}
  .cta-box{grid-template-columns:1fr;padding:38px 26px;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .finanzas-grid{grid-template-columns:1fr;}
}
@media (max-width:720px){
  .nav-links{
    position:fixed;top:0;right:-100%;height:100vh;width:78%;max-width:320px;
    background:var(--white);flex-direction:column;justify-content:flex-start;
    padding:100px 32px;gap:26px;transition:right .3s ease;box-shadow:-10px 0 40px rgba(0,0,0,.15);
    z-index:600;
  }
  .nav-links.is-open{right:0;}
  .nav-toggle{display:block;}
  .nav-cta .btn-gold{padding:11px 18px;font-size:.85rem;}
  .topbar-left span:last-child{display:none;}
  .pilar-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .cta-form{padding:24px;}
  h1{max-width:none !important;}
}


/* ============================================================
   AÑADIDOS PARA VERSIÓN MULTIPÁGINA
   ============================================================ */

/* logo real en lugar del texto */
.logo img{height:52px;width:auto;display:block;}
.footer-logo img{height:56px;width:auto;display:block;}
.nav-links a.activo{color:var(--navy);}
.nav-links a.activo::after{width:100%;}

/* cabecera de página interior */
.page-head{background:var(--navy);position:relative;overflow:hidden;padding:76px 0 70px;}
.page-head::before{
  content:"";position:absolute;top:-40%;right:-8%;width:560px;height:560px;
  background:radial-gradient(circle,rgba(189,148,51,.18),transparent 70%);pointer-events:none;
}
.page-head .wrap{position:relative;z-index:1;}
.page-head .eyebrow{color:var(--gold-light);margin-bottom:18px;}
.page-head .eyebrow::before{background:var(--gold-light);}
.page-head h1{color:var(--white);font-size:clamp(2rem,3.4vw,2.9rem);max-width:18ch;margin-bottom:18px;}
.page-head p{color:rgba(255,255,255,.72);font-size:1.04rem;max-width:56ch;}
.page-head--centrada{text-align:center;}
.page-head--centrada .eyebrow{justify-content:center;}
.page-head--centrada h1,.page-head--centrada p{margin-left:auto;margin-right:auto;}

/* cabecera de página a dos columnas con tarjetas de contacto */
.page-head--dos{padding:66px 0;}
.page-head--dos .wrap{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;}
.page-head--dos h1{max-width:none;font-size:clamp(1.9rem,3.2vw,2.7rem);}
.page-head--dos p{max-width:52ch;}
.page-head--dos .canales{grid-template-columns:1fr;gap:20px;}
.page-head--dos .canal{padding:24px 26px;}
.page-head--dos .canal .ico{width:40px;height:40px;margin-bottom:14px;}
.page-head--dos .canal .ico svg{width:18px;height:18px;}
.page-head--dos .canal h3{font-size:1.05rem;color:var(--navy);}
.page-head--dos .canal p{color:var(--gray);font-size:.88rem;margin-bottom:18px;max-width:none;}
.page-head--dos .canal .btn{padding:11px 22px;font-size:.85rem;}

/* cabecera de página con foto */
.page-head--foto .wrap{
  display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;
}
.page-head--foto .head-foto{border-radius:14px;overflow:hidden;aspect-ratio:5/4;box-shadow:0 30px 60px -20px rgba(0,0,0,.55);}
.page-head--foto .head-foto img{width:100%;height:100%;object-fit:cover;}
.page-head--foto h1{max-width:none;}

/* proceso de cuatro pasos */
.pasos--4{grid-template-columns:repeat(4,1fr);}
.pasos--4::before{left:11%;right:11%;}

/* secciones genéricas */
.seccion{padding:90px 0;background:var(--white);}
.seccion--crema{background:var(--cream);}
.seccion--navy{background:var(--navy);}
.seccion--navy h2,.seccion--navy h3{color:var(--white);}
.seccion--navy p{color:rgba(255,255,255,.72);}
.seccion--navy .eyebrow{color:var(--gold-light);}
.seccion--navy .eyebrow::before{background:var(--gold-light);}
.seccion--compacta{padding:64px 0;}

/* fichas de dato (condiciones del crédito) */
.fichas{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:22px;}
.ficha{
  border:1px solid var(--line);border-radius:14px;background:var(--cream);
  padding:26px 24px;transition:border-color .2s ease,transform .2s ease;
}
.ficha:hover{border-color:var(--gold);transform:translateY(-3px);}
.ficha small{display:block;font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.ficha strong{display:block;font-family:'Fraunces',serif;font-size:1.35rem;color:var(--navy);line-height:1.2;}

/* lista de datos con rótulo */
.datos{border-top:1px solid var(--line);}
.dato{display:grid;grid-template-columns:210px 1fr;gap:26px;padding:20px 0;border-bottom:1px solid var(--line);}
.dato small{font-size:.72rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--gold);padding-top:4px;}
.dato p{font-size:.96rem;color:var(--ink);}
.dato a{color:var(--navy);font-weight:600;border-bottom:1px solid var(--gold);}
.pendiente{color:#C62828;font-weight:700;}

/* tarjetas de contacto */
.canales{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}
.canal{
  border:1px solid var(--line);border-radius:14px;background:var(--white);
  padding:30px 28px;display:flex;flex-direction:column;
}
.canal .ico{
  width:46px;height:46px;border-radius:11px;background:var(--navy);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.canal .ico svg{width:21px;height:21px;stroke:var(--gold-light);}
.canal h3{font-size:1.1rem;margin-bottom:8px;}
.canal p{font-size:.9rem;color:var(--gray);margin-bottom:22px;}
.canal .btn{align-self:flex-start;margin-top:auto;}

.tel-txt{white-space:nowrap;font-weight:600;border-bottom:1px solid currentColor;}
.tel-txt:hover{opacity:.75;}

/* acordeón de preguntas */
.faq{border-top:1px solid var(--line);max-width:900px;}
.faq-item{border-bottom:1px solid var(--line);}
.faq-p{
  width:100%;background:none;border:0;cursor:pointer;text-align:left;
  display:flex;justify-content:space-between;align-items:center;gap:26px;padding:24px 0;
  font-family:'Fraunces',serif;font-size:1.1rem;font-weight:600;color:var(--navy);
}
.faq-p .mas{
  flex:none;width:30px;height:30px;border-radius:50%;border:1px solid var(--line);
  display:flex;align-items:center;justify-content:center;
  font-family:'Inter',sans-serif;font-size:1.05rem;color:var(--gold);transition:.2s;
}
.faq-item.abierto .faq-p .mas{background:var(--gold);border-color:var(--gold);color:var(--navy);}
.faq-r{display:none;padding:0 0 26px;color:var(--gray);font-size:.94rem;max-width:76ch;}
.faq-item.abierto .faq-r{display:block;}

/* tarjetas de contenido (blog y recursos) */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.post{
  border:1px solid var(--line);border-radius:14px;overflow:hidden;background:var(--white);
  display:flex;flex-direction:column;transition:border-color .2s ease,transform .2s ease;
}
.post:hover{border-color:var(--gold);transform:translateY(-3px);}
.post figure{position:relative;margin:0;}
.post figure img{width:100%;height:210px;object-fit:cover;}
.post .tag{
  position:absolute;left:14px;bottom:14px;background:var(--gold);color:var(--navy);
  font-size:.68rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  padding:5px 12px;border-radius:999px;
}
.post .play{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;background:rgba(11,29,58,.35);transition:background .2s;}
.post .play svg{width:52px;height:52px;fill:#fff;filter:drop-shadow(0 4px 12px rgba(0,0,0,.45));}
.post:hover .play{background:rgba(11,29,58,.15);}
.post .cuerpo{padding:26px 24px 28px;display:flex;flex-direction:column;flex:1;}
.post .fecha{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gray);margin-bottom:9px;}
.post h3{font-size:1.08rem;margin-bottom:9px;}
.post p{font-size:.9rem;color:var(--gray);margin-bottom:18px;}
.post .mas-link{
  margin-top:auto;display:inline-flex;align-items:center;gap:8px;
  font-size:.78rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--gold);
}
.post .mas-link svg{width:16px;height:11px;}

/* banda dorada de cierre */
.banda{background:var(--gold);padding:64px 0;}
.banda .wrap{display:flex;justify-content:space-between;align-items:center;gap:40px;flex-wrap:wrap;}
.banda h2{color:var(--navy);font-size:clamp(1.5rem,2.4vw,2rem);max-width:20ch;}
.banda p{color:rgba(11,29,58,.75);margin-top:10px;max-width:42ch;font-size:.96rem;}
.banda .btn-navy{background:var(--navy);color:var(--white);}
.banda .btn-linea{border-color:rgba(11,29,58,.35);color:var(--navy);}
.banda .btn-linea:hover{border-color:var(--navy);background:rgba(11,29,58,.08);}

/* lista de estados financieros */
.fin-lista{border-top:1px solid var(--line);}
.fin-fila{
  display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center;
  padding:26px 0;border-bottom:1px solid var(--line);
}
.fin-titulo{
  font-family:'Fraunces',serif;font-size:1.6rem;font-weight:600;color:var(--navy);
  line-height:1.15;display:inline-block;
  border-bottom:2px solid transparent;transition:border-color .2s ease,color .2s ease;
}
.fin-titulo:hover{border-color:var(--gold);}
.fin-sub{display:block;font-size:.88rem;color:var(--gray);margin-top:7px;}
.fin-nota{
  font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;
  color:var(--gray);white-space:nowrap;justify-self:end;
}

/* banda de imagen a todo lo ancho */
.banda-img{display:block;width:100%;height:clamp(200px,26vw,360px);object-fit:cover;}

/* aviso al público */
.aviso-fondo{
  position:fixed;inset:0;z-index:2000;background:rgba(8,20,40,.78);
  backdrop-filter:blur(3px);display:none;align-items:center;justify-content:center;padding:24px;
  opacity:0;transition:opacity .35s ease;
}
.aviso-fondo.visible{display:flex;opacity:1;}
.aviso{
  background:var(--white);border-radius:16px;max-width:740px;width:100%;max-height:88vh;
  display:flex;flex-direction:column;overflow:hidden;
  transform:translateY(14px);transition:transform .35s ease;
  box-shadow:0 40px 80px -30px rgba(0,0,0,.6);
}
.aviso-fondo.visible .aviso{transform:none;}
.aviso-cab{padding:30px 40px 22px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:flex-start;gap:20px;}
.aviso-cab img{height:48px;width:auto;margin-bottom:16px;}
.aviso-cab h2{font-size:1.7rem;}
.aviso-x{
  width:38px;height:38px;border-radius:50%;border:1px solid var(--line);background:none;cursor:pointer;
  font-size:1.3rem;color:var(--gray);flex:none;transition:.2s;
}
.aviso-x:hover{background:var(--navy);color:var(--white);border-color:var(--navy);}
.aviso-cuerpo{padding:26px 40px 32px;overflow-y:auto;}
.aviso-cuerpo p{font-size:.93rem;color:var(--gray);margin-bottom:15px;line-height:1.65;}
.aviso-datos{display:grid;grid-template-columns:1fr 1fr;gap:24px;border-top:1px solid var(--line);padding-top:22px;margin-top:22px;}
.aviso-datos small{display:block;font-size:.68rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:7px;}
.aviso-datos p{font-size:.88rem;color:var(--ink);margin:0;}
.aviso-pie{padding:20px 40px;border-top:1px solid var(--line);background:var(--cream);display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;}
.aviso-pie small{font-size:.76rem;color:var(--gray);max-width:44ch;}

/* barra de preview */
.preview-bar{background:#081428;color:#e8e2d2;text-align:center;font-size:12px;letter-spacing:.04em;padding:9px 16px;}
.preview-bar span{opacity:.55;margin-left:10px;}

@media (max-width:980px){
  .pasos--4{grid-template-columns:1fr;}
  .page-head--foto .wrap{grid-template-columns:1fr;gap:34px;}
  .page-head--dos .wrap{grid-template-columns:1fr;gap:36px;}
  .page-head--foto .head-foto{order:-1;aspect-ratio:16/9;}
  .post-grid{grid-template-columns:1fr;}
  .canales{grid-template-columns:1fr;}
  .banda .wrap{flex-direction:column;align-items:flex-start;gap:24px;}
}
@media (max-width:720px){
  .dato{grid-template-columns:1fr;gap:6px;}
  .fin-fila{grid-template-columns:1fr;gap:10px;}
  .fin-nota{justify-self:start;}
  .aviso-cab,.aviso-cuerpo,.aviso-pie{padding-left:24px;padding-right:24px;}
  .aviso-datos{grid-template-columns:1fr;}
  .logo img{height:42px;}
}

/* =========================================================
   AÑADIDOS PARA WORDPRESS
   Estilos de piezas que no existían en el diseño estático:
   contenido de entradas, paginación, accesibilidad y respaldos.
   ========================================================= */

/* --- Accesibilidad --- */
.screen-reader-text{
  position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;
  clip:rect(0,0,0,0);white-space:nowrap;border:0;
}
.salta-contenido:focus{
  position:fixed;top:12px;left:12px;z-index:9999;width:auto;height:auto;
  clip:auto;padding:12px 20px;background:var(--gold);color:var(--navy);
  font-weight:700;border-radius:6px;
}

/* --- Respaldos de logo e imagen --- */
.logo-texto{
  font-family:'Fraunces',Georgia,serif;font-size:1.15rem;font-weight:600;
  color:var(--navy);letter-spacing:-.01em;
}
.site-footer .logo-texto{color:#fff;}
.post-sin-foto{
  display:block;width:100%;height:100%;min-height:210px;
  background:linear-gradient(150deg,var(--navy-2),var(--navy));
}

/* --- Tarjetas del blog con enlaces --- */
.post .cuerpo h3 a{color:inherit;}
.post .cuerpo h3 a:hover{color:var(--gold);}
a.mas-link{cursor:pointer;}

/* --- Contenido de una entrada o página --- */
.entrada{max-width:74ch;margin:0 auto;color:var(--gray);font-size:1rem;line-height:1.75;}
.entrada > *:first-child{margin-top:0;}
.entrada h2{font-size:clamp(1.4rem,2.4vw,1.85rem);color:var(--navy);margin:38px 0 14px;}
.entrada h3{font-size:1.2rem;color:var(--navy);margin:30px 0 12px;}
.entrada h4{font-size:1rem;color:var(--navy);margin:24px 0 10px;}
.entrada p{margin-bottom:18px;}
.entrada a{color:var(--navy);border-bottom:1px solid var(--gold);}
.entrada a:hover{color:var(--gold);}
.entrada ul,.entrada ol{margin:0 0 18px 22px;}
.entrada li{margin-bottom:8px;}
.entrada ul{list-style:disc;}
.entrada ol{list-style:decimal;}
.entrada img,.entrada iframe{max-width:100%;height:auto;border-radius:10px;margin:22px 0;}
.entrada figure{margin:26px 0;}
.entrada figcaption{font-size:.82rem;color:var(--gray);margin-top:8px;text-align:center;}
.entrada blockquote{
  border-left:3px solid var(--gold);padding:4px 0 4px 22px;margin:26px 0;
  font-family:'Fraunces',Georgia,serif;font-size:1.1rem;color:var(--navy);font-style:italic;
}
.entrada table{width:100%;border-collapse:collapse;margin:22px 0;font-size:.92rem;}
.entrada th,.entrada td{border:1px solid var(--line);padding:10px 12px;text-align:left;}
.entrada th{background:var(--cream);color:var(--navy);font-weight:700;}
.entrada code{background:var(--cream);padding:2px 6px;border-radius:4px;font-size:.9em;}

/* --- Pie de una entrada --- */
.entrada-pie{
  max-width:74ch;margin:52px auto 0;padding-top:26px;border-top:1px solid var(--line);
  display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;
}
.entrada-nav{display:flex;gap:24px;flex-wrap:wrap;font-size:.86rem;}
.entrada-nav a{color:var(--gray);font-weight:600;}
.entrada-nav a:hover{color:var(--navy);}

/* --- Paginación del blog --- */
.paginacion{margin-top:52px;}
.paginacion .nav-links{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;}
.paginacion .page-numbers{
  display:inline-flex;align-items:center;justify-content:center;
  min-width:42px;height:42px;padding:0 12px;
  border:1px solid var(--line);border-radius:8px;
  font-size:.9rem;font-weight:600;color:var(--navy);background:var(--white);
  transition:border-color .2s ease,background .2s ease,color .2s ease;
}
.paginacion .page-numbers:hover{border-color:var(--gold);color:var(--gold);}
.paginacion .page-numbers.current{background:var(--navy);border-color:var(--navy);color:#fff;}
.paginacion .page-numbers.dots{border-color:transparent;}
.paginas-entrada{margin-top:24px;font-size:.9rem;color:var(--gray);}

/* --- Bloques alineados de Gutenberg --- */
.entrada .alignleft{float:left;margin:6px 24px 18px 0;}
.entrada .alignright{float:right;margin:6px 0 18px 24px;}
.entrada .aligncenter{display:block;margin-left:auto;margin-right:auto;}
.entrada .wp-caption{max-width:100%;}

@media (max-width:700px){
  .entrada .alignleft,.entrada .alignright{float:none;margin:22px auto;display:block;}
  .entrada-pie{flex-direction:column;align-items:flex-start;}
}

/* --- Avisos de privacidad --- */
.avisos-nav{
  display:flex;gap:10px;flex-wrap:wrap;justify-content:center;
  max-width:74ch;margin:0 auto 46px;
}
.aviso-tab{
  display:inline-flex;align-items:center;padding:10px 20px;
  border:1px solid var(--line);border-radius:999px;
  font-size:.84rem;font-weight:600;color:var(--gray);background:var(--white);
  transition:border-color .2s ease,color .2s ease,background .2s ease;
}
.aviso-tab:hover{border-color:var(--gold);color:var(--navy);}
.aviso-tab.activo{background:var(--navy);border-color:var(--navy);color:#fff;}
.entrada--legal h2{
  font-size:1.28rem;margin:42px 0 14px;padding-top:22px;
  border-top:1px solid var(--line);
}
.entrada--legal h2:first-child{margin-top:0;padding-top:0;border-top:0;}
.entrada--legal h3{font-size:1rem;margin:26px 0 10px;color:var(--navy);}
.entrada--legal ul{margin-bottom:18px;}
.entrada--legal .aviso-fecha{
  margin-top:34px;padding-top:18px;border-top:1px solid var(--line);
  font-size:.82rem;color:var(--gray);
}
.aviso-contacto{
  max-width:74ch;margin:44px auto 0;padding:32px 34px;
  background:var(--cream);border-left:3px solid var(--gold);border-radius:0 10px 10px 0;
}
.aviso-contacto h3{font-size:1.05rem;color:var(--navy);margin-bottom:12px;}
.aviso-contacto p{color:var(--gray);font-size:.92rem;margin-bottom:10px;}
.aviso-contacto a{color:var(--navy);border-bottom:1px solid var(--gold);}

@media (max-width:700px){
  .avisos-nav{flex-direction:column;}
  .aviso-tab{justify-content:center;}
  .aviso-contacto{padding:26px 22px;}
}

/* --- Estados sin fotografía: el bloque se acomoda a una sola columna --- */
.hero-grid--sin-foto{grid-template-columns:1fr;min-height:auto;padding:88px 0 78px;}
.hero-grid--sin-foto .hero-copy h1{max-width:18ch;}
.hero-grid--sin-foto .hero-copy p{max-width:60ch;}
.porque-grid--sin-foto{grid-template-columns:1fr;}
.porque-grid--sin-foto .porque-copy .section-head{max-width:none;}
.page-head--centrada .head-foto{display:none;}