/* ════════════════════════════════════════════════════════════════════
   Cooperativa Segura R.L. — Sistema visual compartido
   Rediseño V2 multi-página · 2026-05-10  ·  Iteración 4
   Referencia: JPMorgan editorial · Adaptación cooperativa guatemalteca
   Iter 4: container 1200 · hero compact · feature-figure · WA float
            social SVG · regulator trustbar (logos PNG)
   ════════════════════════════════════════════════════════════════════ */

/* ──────────────────────────────────────────────────────
   TOKENS
   ────────────────────────────────────────────────────── */
:root {
  /* Color · navy institucional */
  --ink-950: #08172A;
  --ink-900: #0B1E33;
  --ink-800: #122B47;
  --ink-700: #1B3A5E;
  --ink-600: #2A4C73;

  --steel-500: #4A6A8A;
  --steel-300: #8DA4BD;
  --steel-200: #B9C6D6;
  --steel-100: #DDE4ED;

  --paper:   #FFFFFF;
  --paper-2: #FAFBFC;
  --paper-3: #F1F4F8;
  --paper-4: #E9EEF5;
  --rule:    #E3E8EF;
  --rule-2:  #CFD7E2;

  --text:    #0B1E33;
  --text-2:  #4A5468;
  --text-3:  #5F6A7D; /* iter5 H6 · contraste AA sobre paper (#FFFFFF) ~ 6.1:1 */
  --on-dark:   #F4F7FB;
  --on-dark-2: #A8B6CA;

  /* Acento marca · rojo Segura uso <5% */
  --accent:      #C8102E;
  --accent-soft: rgba(200,16,46,.08);

  --gold:    #B08D3A;
  --success: #1F7A4D;
  --danger:  #B42318;
  --info:    #0B5394;
  --wa:      #25D366;

  /* Tipografía */
  --font-display: 'Fraunces', 'Playfair Display', Georgia, serif;
  --font-sans:    'Inter', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono:    'IBM Plex Mono', ui-monospace, 'SF Mono', Menlo, monospace;

  --fs-display: clamp(2.125rem, 3.7vw, 3.25rem);
  --fs-h1:      clamp(1.75rem, 3vw, 2.625rem);
  --fs-h2:      clamp(1.75rem, 3vw, 2.5rem);
  --fs-h3:      1.5rem;
  --fs-h4:      1.125rem;
  --fs-body-lg: 1.125rem;
  --fs-body:    1rem;
  --fs-small:   0.875rem;
  --fs-caption: 0.75rem;
  --fs-eyebrow: 0.6875rem;

  /* Iter 4: contenedor 1200 (más editorial, evita rozar bordes en 1280px) */
  --container: 1200px;
  --gutter:    clamp(1.25rem, 4vw, 3rem);
  /* Iter 4: padding-y secciones reducido para que más contenido entre por viewport */
  --section-y: clamp(3rem, 6vw, 5.5rem);
  --gap:       clamp(1.25rem, 2.5vw, 2rem);

  --radius:    4px;
  --radius-lg: 8px;
  --radius-pill: 999px;

  --shadow-1: 0 1px 0 rgba(11,30,51,.06);
  --shadow-2: 0 4px 24px rgba(11,30,51,.06);
  --shadow-3: 0 18px 48px rgba(11,30,51,.14);
  --ring:        0 0 0 3px rgba(11,30,51,.18);
  --ring-accent: 0 0 0 3px rgba(200,16,46,.25);

  --motion-fast: 180ms cubic-bezier(.2,.7,.2,1);
  --motion-base: 260ms cubic-bezier(.2,.7,.2,1);
}

/* ──────────────────────────────────────────────────────
   RESET · BASE
   ────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  font-size: var(--fs-body);
  line-height: 1.6;
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-feature-settings: "ss01", "cv11";
  overflow-x: hidden;
}
img, svg, video { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; background: none; border: none; color: inherit; }
input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 2px solid var(--ink-900); outline-offset: 3px; border-radius: 2px; }

.skip-link {
  position: absolute; top: -48px; left: 0;
  background: var(--ink-900); color: var(--on-dark);
  padding: .75rem 1.25rem; z-index: 9999;
  transition: top var(--motion-fast);
  font-size: var(--fs-small); font-weight: 500;
}
.skip-link:focus { top: 0; }

.wrap { max-width: var(--container); margin: 0 auto; padding: 0 var(--gutter); }
.wrap-narrow { max-width: 920px; margin: 0 auto; padding: 0 var(--gutter); }

main { display: block; }
section { padding: var(--section-y) 0; }
/* Iter 4.1: Heroes manejan su propia altura — no usan padding de section */
section.hero, section.hero-page, section.hero-split-page { padding: 0; }

/* ──────────────────────────────────────────────────────
   TIPOGRAFÍA EDITORIAL
   ────────────────────────────────────────────────────── */
.eyebrow {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: var(--fs-eyebrow);
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--steel-500);
  margin-bottom: 1rem;
}
.eyebrow.on-dark { color: var(--on-dark-2); }
.eyebrow.accent  { color: var(--accent); }

h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  font-weight: 500;
  color: var(--ink-900);
  line-height: 1.08;
  letter-spacing: -.01em;
  text-wrap: balance;
}
h1 { font-size: var(--fs-h1); }
.display { font-size: var(--fs-display); line-height: 1.04; letter-spacing: -.02em; }
.h2 { font-size: var(--fs-h2); }
.h3 { font-size: var(--fs-h3); }
.h4 { font-size: var(--fs-h4); }

.lead {
  font-family: var(--font-sans);
  font-size: var(--fs-body-lg);
  line-height: 1.6;
  color: var(--text-2);
  font-weight: 400;
  max-width: 62ch;
}
.lead.on-dark { color: var(--on-dark-2); }

.mono { font-family: var(--font-mono); font-feature-settings: "tnum" 1, "lnum" 1; }
.num  { font-variant-numeric: tabular-nums lining-nums; }

p { color: var(--text-2); }
strong { font-weight: 600; color: var(--text); }

/* ──────────────────────────────────────────────────────
   BOTONES
   ────────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; gap: .55rem;
  padding: .9rem 1.5rem;
  font-family: var(--font-sans);
  font-size: var(--fs-small);
  font-weight: 600;
  letter-spacing: .01em;
  border: 1px solid transparent;
  border-radius: var(--radius);
  cursor: pointer;
  transition: background var(--motion-fast), color var(--motion-fast), border-color var(--motion-fast), transform var(--motion-fast);
  white-space: nowrap;
}
.btn svg { width: 16px; height: 16px; stroke: currentColor; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.btn:active { transform: translateY(1px); }
.btn:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }

.btn-primary { background: var(--ink-900); color: var(--on-dark); border-color: var(--ink-900); }
.btn-primary:hover { background: var(--ink-800); border-color: var(--ink-800); }
.btn-primary.on-dark { background: var(--paper); color: var(--ink-900); border-color: var(--paper); }
.btn-primary.on-dark:hover { background: var(--steel-100); border-color: var(--steel-100); }

.btn-secondary { background: transparent; color: var(--ink-900); border-color: var(--ink-900); }
.btn-secondary:hover { background: var(--ink-900); color: var(--on-dark); }
.btn-secondary.on-dark { color: var(--on-dark); border-color: var(--on-dark); }
.btn-secondary.on-dark:hover { background: var(--on-dark); color: var(--ink-900); }

.btn-ghost { color: var(--text-2); padding: .5rem 0; }
.btn-ghost:hover { color: var(--ink-900); }

.btn-block { width: 100%; justify-content: center; }

/* ──────────────────────────────────────────────────────
   TOP BAR INSTITUCIONAL
   ────────────────────────────────────────────────────── */
.topbar {
  background: var(--ink-950); color: var(--on-dark-2);
  font-size: var(--fs-caption);
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.topbar-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: .55rem var(--gutter);
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem;
}
.topbar-l { display: flex; gap: 1.25rem; align-items: center; }
.topbar-l span { display: inline-flex; align-items: center; gap: .35rem; }
.topbar-r { display: flex; gap: 1.25rem; align-items: center; }
.topbar a { color: var(--on-dark); font-weight: 500; transition: opacity var(--motion-fast); }
.topbar a:hover { opacity: .75; }
@media (max-width: 720px) {
  .topbar-l span:not(:first-child) { display: none; }
  .topbar-r a:not(:last-child) { display: none; }
}

/* ──────────────────────────────────────────────────────
   HEADER · NAVEGACIÓN
   ────────────────────────────────────────────────────── */
.header {
  position: sticky; top: 0; z-index: 50;
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
}
.header-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
  height: 80px;
  display: flex; align-items: center; gap: 2rem;
}
.brand { display: flex; align-items: center; }
.brand img { height: 44px; width: auto; display: block; }
@media (max-width: 480px) { .brand img { height: 38px; } }

.nav {
  flex: 1;
  display: none;
  align-items: center; justify-content: center;
  gap: 2.25rem;
}
@media (min-width: 820px) { .nav { display: flex; } }
.nav a {
  position: relative;
  font-size: var(--fs-small);
  font-weight: 500;
  color: var(--text-2);
  padding: .5rem 0;
  transition: color var(--motion-fast);
}
.nav a:hover { color: var(--ink-900); }
.nav a.is-active { color: var(--ink-900); font-weight: 600; }
.nav a.is-active::after {
  content: "";
  position: absolute; left: 0; right: 0; bottom: -28px;
  height: 2px; background: var(--ink-900);
}

.header-cta { display: none; }
/* iter 7: CTA del header más delgado para no robar protagonismo */
@media (min-width: 820px) {
  .header-cta {
    display: inline-flex;
    padding: .55rem 1.1rem;
    font-size: .82rem;
    font-weight: 500;
  }
}

.burger {
  display: inline-flex; flex-direction: column; gap: 4px;
  padding: .5rem; margin-left: auto;
}
@media (min-width: 820px) { .burger { display: none; } }
.burger span { display: block; width: 22px; height: 2px; background: var(--ink-900); border-radius: 1px; }

/* Drawer mobile */
.drawer {
  position: fixed; inset: 0;
  background: var(--paper);
  z-index: 100;
  transform: translateY(-100%);
  transition: transform var(--motion-base);
  display: flex; flex-direction: column;
  padding: var(--gutter);
}
.drawer.on { transform: translateY(0); }
.drawer-head { display: flex; justify-content: space-between; align-items: center; padding: .5rem 0 1.5rem; border-bottom: 1px solid var(--rule); }
.drawer-head img { height: 40px; }
.drawer-close { padding: .5rem; }
.drawer-close svg { width: 22px; height: 22px; stroke: var(--ink-900); fill: none; stroke-width: 2; }
.drawer-links { list-style: none; padding: 1rem 0; flex: 1; overflow-y: auto; }
.drawer-links a {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1rem 0;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 500;
  color: var(--ink-900);
  border-bottom: 1px solid var(--rule);
}
.drawer-links a.is-active { color: var(--accent); }
.drawer-foot { padding-top: 1.5rem; border-top: 1px solid var(--rule); display: grid; gap: .75rem; }
.drawer-foot a { font-weight: 500; color: var(--ink-900); }

/* ──────────────────────────────────────────────────────
   HERO PATTERNS
   ────────────────────────────────────────────────────── */
.hero {
  position: relative;
  background: var(--paper);
  /* Iter 5 I3: min-height solo desktop · mobile fluye con su contenido */
  min-height: auto;
  display: grid;
  align-items: stretch;
}
.hero-split {
  display: grid;
  grid-template-columns: 1fr;
  min-height: auto;
}
@media (min-width: 820px) {
  .hero {
    /* iter 8: hero un poco más alto para que la imagen ocupe más */
    min-height: clamp(620px, 86dvh, 820px);
  }
  .hero-split {
    /* iter 8: foto más prominente — la imagen pasa a tomar más espacio */
    grid-template-columns: .95fr 1.05fr;
    min-height: clamp(620px, 86dvh, 820px);
  }
}
.hero-copy {
  display: flex; flex-direction: column; justify-content: center;
  /* Iter 4.1: padding ulterior reducido para que hero quepa en viewport 1440x900 */
  padding: clamp(1.5rem, 3.5vw, 3rem) clamp(1.5rem, 4vw, 3.5rem);
  background: var(--paper);
}
.hero-copy.on-dark { background: var(--ink-900); color: var(--on-dark); }
.hero-copy.on-dark h1, .hero-copy.on-dark .display { color: var(--on-dark); }
.hero-copy h1, .hero-copy .display {
  margin: .85rem 0 1rem;
  max-width: 22ch;
}
/* Iter 4: lead y ctas con margin más ajustado para densificar hero */
.hero-copy .lead { margin-bottom: 1.75rem; }

.hero-ctas { display: flex; flex-wrap: wrap; gap: .75rem; margin-bottom: 2rem; }

.hero-metrics {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  /* Iter 4: gap y padding-top compactados */
  gap: 1.1rem;
  border-top: 1px solid var(--rule);
  padding-top: 1.5rem;
  max-width: 560px;
}
.hero-copy.on-dark .hero-metrics { border-top-color: rgba(255,255,255,.12); }
@media (min-width: 720px) {
  .hero-metrics { grid-template-columns: repeat(4, 1fr); }
}
.hm-n {
  font-family: var(--font-display);
  /* Iter 5 E2: stats reales (no footnotes) · clamp fluido */
  /* Iter 9: nowrap para que cifras largas (Q 30,000) no rompan en 2 líneas */
  font-size: clamp(1.4rem, 2.3vw, 1.9rem);
  font-weight: 500;
  color: var(--ink-900);
  line-height: 1;
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}
.hero-copy.on-dark .hm-n { color: var(--on-dark); }
.hm-n em { font-style: normal; font-weight: 600; }
.hm-l {
  font-size: .75rem;
  color: var(--text-3);
  margin-top: .5rem;
  letter-spacing: .04em;
}
.hero-copy.on-dark .hm-l { color: var(--on-dark-2); }

/* iter 8: trustbar integrada en el hero — sustituye las hero-metric */
.hero-trust {
  display: flex; flex-wrap: wrap;
  align-items: center;
  gap: clamp(1.25rem, 3vw, 2.5rem);
  border-top: 1px solid var(--rule);
  padding-top: 1.5rem;
  margin-top: .25rem;
  max-width: 560px;
}
.hero-trust-logo {
  display: inline-flex; align-items: center;
  text-decoration: none;
  transition: opacity var(--motion-base);
}
.hero-trust-logo img {
  height: clamp(20px, 2vw, 26px);   /* ~65% de la trustbar previa (32px) */
  width: auto;
  max-width: 110px;
  object-fit: contain;
  filter: saturate(.85);
  opacity: .8;
  transition: filter var(--motion-base), opacity var(--motion-base);
}
.hero-trust-logo:hover img,
.hero-trust-logo:focus-visible img { filter: saturate(1); opacity: 1; }
.hero-copy.on-dark .hero-trust { border-top-color: rgba(255,255,255,.12); }
.hero-copy.on-dark .hero-trust-logo img { filter: brightness(0) invert(1); opacity: .75; }

.hero-visual {
  position: relative;
  min-height: 320px;
  background: var(--ink-900);
  overflow: hidden;
}
.hero-visual::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(11,30,51,.78) 0%, rgba(11,30,51,.45) 100%);
}
.hero-visual img {
  width: 100%; height: 100%; object-fit: cover; object-position: center;
  position: absolute; inset: 0;
}
.hero-visual-caption {
  position: absolute; left: 0; right: 0; bottom: 0;
  z-index: 2;
  padding: clamp(1.5rem, 4vw, 3rem);
  color: var(--on-dark);
}
.hero-visual-caption .eyebrow { color: var(--on-dark-2); }
.hero-visual-caption h3 {
  color: var(--on-dark);
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  margin-bottom: .5rem;
  max-width: 22ch;
}
.hero-visual-caption p { color: var(--on-dark-2); font-size: var(--fs-small); max-width: 36ch; }

/* Hero compact (páginas internas) */
/* iter 7: hero-page sin border-bottom — flujo continuo a la sección siguiente.
   Especificidad section.hero-page para vencer a la regla iter4.1 que pone padding:0 */
section.hero-page, .hero-page {
  padding: clamp(4rem, 7vw, 6rem) 0 clamp(2rem, 3.5vw, 3rem);
  background: var(--paper);
}
.hero-page.dark { background: var(--ink-900); color: var(--on-dark); border-bottom: none; }
.hero-page.dark h1 { color: var(--on-dark); }
.hero-page.dark .lead { color: var(--on-dark-2); }
.hero-page .wrap { display: grid; gap: 1.5rem; }
.hero-page h1 { max-width: 22ch; }
.hero-page .lead { max-width: 60ch; }

/* Hero split interna (inversion/credito/contacto) */
.hero-split-page {
  display: grid; grid-template-columns: 1fr;
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
}
@media (min-width: 820px) {
  .hero-split-page { grid-template-columns: 1.1fr .9fr; }
}
.hero-split-page .hero-copy {
  padding: clamp(4rem, 8vw, 7rem) clamp(1.5rem, 5vw, 5rem);
}
.hero-figure {
  position: relative;
  background: var(--paper-3);
  min-height: 360px;
  display: flex; align-items: center; justify-content: center;
  padding: clamp(2rem, 5vw, 5rem);
}
.hero-figure.dark { background: var(--ink-900); }
.hero-figure-mono {
  font-family: var(--font-mono);
  font-feature-settings: "tnum" 1;
  font-size: clamp(5rem, 14vw, 11rem);
  font-weight: 400;
  color: var(--ink-900);
  line-height: 1;
  letter-spacing: -.04em;
}
.hero-figure-mono sup {
  font-size: .35em;
  vertical-align: top;
  color: var(--steel-500);
  font-weight: 500;
}
.hero-figure-label {
  position: absolute; left: clamp(2rem, 5vw, 5rem); bottom: clamp(2rem, 5vw, 5rem);
  font-size: var(--fs-eyebrow); letter-spacing: .14em; text-transform: uppercase;
  color: var(--text-3);
}

/* ──────────────────────────────────────────────────────
   SECTION HEADS
   ────────────────────────────────────────────────────── */
.section-head { margin-bottom: clamp(2.5rem, 5vw, 4rem); max-width: 760px; }
.section-head h2 { margin-top: .5rem; }
.section-head .lead { margin-top: 1rem; }

.section.dark { background: var(--ink-900); color: var(--on-dark); }
.section.dark h2, .section.dark h3, .section.dark h4 { color: var(--on-dark); }
.section.dark .lead { color: var(--on-dark-2); }
.section.dark .eyebrow { color: var(--on-dark-2); }
.section.muted { background: var(--paper-2); }

/* ──────────────────────────────────────────────────────
   TRUST BAR · iter 6 (logos minimal SIN cajitas + variante tipográfica)
   - Variante PNG (index.html): logos pequeños sutiles, sin border/bg.
   - Variante text-only (transparencia.html): bullet ● + texto institucional.
   ────────────────────────────────────────────────────── */
.trustbar {
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  /* iter 7: trustbar delgada, menos protagonismo */
  padding: clamp(1.25rem, 2.5vw, 2rem) 0;
  background: var(--paper);
}
.trustbar-inner {
  display: flex; flex-wrap: wrap;
  gap: clamp(2.5rem, 6vw, 5rem);
  align-items: center; justify-content: center;
}

/* Variante tipográfica · iter 6 reactivada para transparencia.html */
.trustbar-text { padding: clamp(2rem, 4vw, 3rem) 0; background: var(--paper-2); }
.trustbar-text-inner {
  display: flex; flex-wrap: wrap;
  align-items: center; justify-content: center;
  gap: clamp(1.5rem, 3vw, 2.5rem);
  font-size: var(--fs-small);
  color: var(--text-2);
}
.trust-item {
  display: inline-flex; align-items: center; gap: .55rem;
  font-size: var(--fs-small); color: var(--text-2);
  font-weight: 500;
}
.trust-item strong { font-family: var(--font-sans); color: var(--ink-900); font-weight: 600; }
.trust-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--accent, var(--ink-900));
  display: inline-block;
}

/* Variante con logos PNG · iter 6 — minimal sin bounding box */
.trust-logo {
  display: inline-flex; flex-direction: column; align-items: center;
  gap: .65rem;
  text-align: center;
  text-decoration: none;
  color: inherit;
  background: transparent;
  border: none;
  padding: 0;
  transition: opacity var(--motion-base);
}
.trust-logo img {
  height: clamp(22px, 2.5vw, 32px);
  width: auto;
  max-width: 120px;
  object-fit: contain;
  filter: saturate(.85);
  opacity: .82;
  transition: filter var(--motion-base), opacity var(--motion-base);
}
.trust-logo:hover img,
.trust-logo:focus-visible img {
  filter: saturate(1);
  opacity: 1;
}
.trust-logo .eyebrow {
  margin: 0;
  font-size: var(--fs-eyebrow);
  color: var(--text-3);
  letter-spacing: .14em;
}
.trust-logo:hover .eyebrow,
.trust-logo:focus-visible .eyebrow { color: var(--ink-900); }

/* ──────────────────────────────────────────────────────
   ZIG-ZAG (productos destacados)
   ────────────────────────────────────────────────────── */
.zigzag { display: grid; gap: clamp(3rem, 6vw, 5rem); }
.zig {
  display: grid; grid-template-columns: 1fr; gap: clamp(1.5rem, 3vw, 3rem);
  align-items: center;
}
@media (min-width: 820px) {
  .zig { grid-template-columns: 1fr 1fr; }
  .zig.flip > .zig-copy { order: 2; }
}
.zig-copy { padding: clamp(1rem, 3vw, 2.5rem) 0; }
.zig-copy h3 { font-size: clamp(1.5rem, 2.5vw, 2rem); margin: .75rem 0 1rem; max-width: 22ch; }
.zig-copy .lead { margin-bottom: 1.5rem; max-width: 52ch; }
.zig-bullets { list-style: none; display: grid; gap: .75rem; margin-bottom: 2rem; }
.zig-bullets li {
  position: relative; padding-left: 1.5rem;
  font-size: var(--fs-small); color: var(--text-2);
}
.zig-bullets li::before {
  content: ""; position: absolute; left: 0; top: .55rem;
  width: 8px; height: 1.5px; background: var(--ink-900);
}
.zig-cta { display: flex; gap: .75rem; flex-wrap: wrap; }
.zig-visual {
  background: var(--paper-3);
  aspect-ratio: 5/4;
  display: flex; align-items: center; justify-content: center;
  padding: clamp(1.5rem, 4vw, 3rem);
  position: relative;
}
.zig-visual.dark { background: var(--ink-900); color: var(--on-dark); }
.zig-visual .stat {
  font-family: var(--font-display);
  font-size: clamp(3rem, 8vw, 6rem);
  font-weight: 500;
  color: var(--ink-900);
  line-height: 1;
  letter-spacing: -.02em;
}
.zig-visual.dark .stat { color: var(--on-dark); }
.zig-visual .stat sup { font-size: .35em; vertical-align: top; color: var(--steel-500); }
.zig-visual.dark .stat sup { color: var(--on-dark-2); }
.zig-visual .stat-label {
  display: block;
  font-family: var(--font-sans);
  font-size: var(--fs-eyebrow);
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--text-3);
  margin-top: .75rem;
}
.zig-visual.dark .stat-label { color: var(--on-dark-2); }

/* ──────────────────────────────────────────────────────
   GRID CARDS EDITORIALES (asimétricos)
   ────────────────────────────────────────────────────── */
.cards-grid { display: grid; grid-template-columns: 1fr; gap: 1px; background: var(--rule); }
@media (min-width: 720px) { .cards-grid.cols-2 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 820px) { .cards-grid.cols-3 { grid-template-columns: repeat(3, 1fr); } .cards-grid.cols-4 { grid-template-columns: repeat(4, 1fr); } }

.card {
  background: var(--paper);
  padding: clamp(1.75rem, 3vw, 2.5rem);
  display: flex; flex-direction: column; gap: 1rem;
  transition: background var(--motion-base);
}
.card:hover { background: var(--paper-2); }
.card-ico {
  width: 36px; height: 36px;
  display: inline-flex; align-items: center; justify-content: center;
  color: var(--ink-900);
}
.card-ico svg { width: 22px; height: 22px; stroke: currentColor; fill: none; stroke-width: 1.75; stroke-linecap: round; stroke-linejoin: round; }
.card h4 { font-size: 1.25rem; max-width: 22ch; }
.card p { font-size: var(--fs-small); color: var(--text-2); }
.card-link { font-size: var(--fs-small); font-weight: 600; color: var(--ink-900); display: inline-flex; align-items: center; gap: .35rem; margin-top: auto; padding-top: .75rem; }
.card-link:hover { color: var(--accent); }

/* Card editorial con eyebrow + título grande */
.card-editorial {
  background: var(--paper);
  padding: clamp(1.75rem, 3vw, 2.5rem);
  border-top: 1px solid var(--ink-900);
  display: flex; flex-direction: column; gap: .75rem;
}
.card-editorial .eyebrow { margin-bottom: .25rem; }
.card-editorial h3 { font-size: clamp(1.25rem, 2vw, 1.75rem); max-width: 22ch; }
.card-editorial p { font-size: var(--fs-small); color: var(--text-2); }

/* ──────────────────────────────────────────────────────
   PROCESS STEPS (numerados)
   ────────────────────────────────────────────────────── */
.steps {
  display: grid; gap: 0;
  grid-template-columns: 1fr;
  counter-reset: step;
}
@media (min-width: 720px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .steps.cols-4 { grid-template-columns: repeat(4, 1fr); } .steps.cols-5 { grid-template-columns: repeat(5, 1fr); } }
.step {
  counter-increment: step;
  padding: 2rem clamp(1rem, 2vw, 1.75rem);
  border-top: 1px solid var(--rule);
  position: relative;
}
.step::before {
  content: "0" counter(step);
  display: block;
  font-family: var(--font-mono);
  font-size: var(--fs-small);
  color: var(--accent);
  margin-bottom: 1rem;
  letter-spacing: .04em;
}
.step h4 { font-size: 1.125rem; margin-bottom: .75rem; }
.step p { font-size: var(--fs-small); color: var(--text-2); }

/* ──────────────────────────────────────────────────────
   TABLAS DE TASAS EDITORIALES
   ────────────────────────────────────────────────────── */
.rate-table {
  border-top: 1px solid var(--ink-900);
  margin-top: 1.5rem;
}
.rate-row {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: baseline;
  gap: 1rem;
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--rule);
}
@media (min-width: 720px) {
  .rate-row { grid-template-columns: 1fr 1fr auto; }
}
.rate-name { font-family: var(--font-display); font-size: 1.25rem; color: var(--ink-900); }
.rate-detail { font-size: var(--fs-small); color: var(--text-2); }
.rate-pct {
  font-family: var(--font-mono);
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  font-weight: 500;
  color: var(--ink-900);
  font-variant-numeric: tabular-nums;
  letter-spacing: -.02em;
}
.rate-pct sup { font-size: .5em; vertical-align: top; color: var(--steel-500); }
.chip {
  display: inline-block;
  font-size: var(--fs-caption);
  font-weight: 600;
  letter-spacing: .04em;
  padding: .3rem .65rem;
  border-radius: var(--radius);
  background: var(--paper-3);
  color: var(--text-2);
  margin-left: .5rem;
}
.chip-gold { background: rgba(176,141,58,.12); color: var(--gold); }
.chip-accent { background: var(--accent-soft); color: var(--accent); }

/* ──────────────────────────────────────────────────────
   SIMULADOR · INVERSIÓN
   ────────────────────────────────────────────────────── */
.sim-grid {
  display: grid; grid-template-columns: 1fr; gap: clamp(1.5rem, 3vw, 2.5rem);
}
@media (min-width: 820px) { .sim-grid { grid-template-columns: 1.05fr .95fr; } }

.calc {
  background: var(--paper-2);
  padding: clamp(1.75rem, 3.5vw, 2.5rem);
  border-top: 1px solid var(--ink-900);
}
.calc-head { display: flex; gap: .75rem; align-items: flex-start; margin-bottom: 2rem; }
.calc-head svg { width: 24px; height: 24px; stroke: var(--ink-900); fill: none; stroke-width: 1.75; }
.calc-head h3 { font-size: 1.25rem; margin-bottom: .25rem; }
.calc-head p  { font-size: var(--fs-small); color: var(--text-3); }
.calc-label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: var(--fs-eyebrow); letter-spacing: .12em; text-transform: uppercase;
  color: var(--text-3); margin-bottom: .75rem;
}
.calc-label strong { font-family: var(--font-mono); font-size: 1rem; font-weight: 500; color: var(--ink-900); letter-spacing: 0; text-transform: none; }

/* Rate items (selector plazo inversión) — iter 5 H8 ahora <button> */
.rate-items { display: grid; gap: .75rem; margin-bottom: 2rem; }
.rate-item {
  display: flex; justify-content: space-between; align-items: center;
  width: 100%;
  text-align: left;
  font: inherit;
  padding: 1rem 1.25rem;
  background: var(--paper);
  color: inherit;
  border: 1px solid var(--rule);
  cursor: pointer;
  transition: border-color var(--motion-fast), background var(--motion-fast);
  border-radius: var(--radius);
}
.rate-item:hover { border-color: var(--steel-300); }
.rate-item:focus-visible { outline: 2px solid var(--ink-900); outline-offset: 3px; }
.rate-item.on, .rate-item[aria-checked="true"] {
  border-color: var(--ink-900);
  background: var(--paper-3);
  box-shadow: inset 0 0 0 1px var(--ink-900);
}
.rate-item-l { display: flex; flex-direction: column; }
.rate-item-h { font-size: var(--fs-small); font-weight: 600; color: var(--ink-900); margin-bottom: .15rem; font-family: var(--font-sans); }
.rate-item-d { font-size: var(--fs-caption); color: var(--text-3); }
.rate-item-r { display: flex; align-items: center; gap: .5rem; }
.rate-num { font-family: var(--font-mono); font-size: 1.25rem; font-weight: 500; color: var(--ink-900); font-variant-numeric: tabular-nums; }

/* Range slider */
.range-wrap { margin-bottom: 2rem; }
input[type="range"] {
  width: 100%; -webkit-appearance: none; appearance: none;
  height: 4px; background: var(--rule); border-radius: 2px;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--paper); border: 2px solid var(--ink-900);
  cursor: pointer; box-shadow: var(--shadow-2);
  transition: transform var(--motion-fast);
}
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--paper); border: 2px solid var(--ink-900);
  cursor: pointer;
}
input[type="range"]:hover::-webkit-slider-thumb { transform: scale(1.08); }

/* Resultado inversión */
.calc-result {
  background: var(--ink-900); color: var(--on-dark);
  padding: clamp(1.5rem, 3vw, 2rem);
  margin-top: 1rem;
}
.calc-result-label { font-size: var(--fs-eyebrow); letter-spacing: .14em; text-transform: uppercase; color: var(--on-dark-2); margin-bottom: .5rem; }
.calc-result-total {
  font-family: var(--font-mono);
  font-size: clamp(2rem, 4.5vw, 3rem);
  font-weight: 500;
  letter-spacing: -.01em;
  margin-bottom: 1rem;
  font-variant-numeric: tabular-nums;
}
.calc-row {
  display: flex; justify-content: space-between;
  padding: .65rem 0; border-bottom: 1px solid rgba(255,255,255,.08);
  font-size: var(--fs-small);
}
.calc-row[hidden] { display: none; }
.calc-row:last-child { border-bottom: none; }
.calc-row span:first-child { color: var(--on-dark-2); }
.calc-row span:last-child  { font-family: var(--font-mono); font-variant-numeric: tabular-nums; color: var(--on-dark); }

/* ──────────────────────────────────────────────────────
   SIMULADOR · CRÉDITO
   ────────────────────────────────────────────────────── */
.tabs { display: flex; gap: 0; border-bottom: 1px solid var(--rule); margin-bottom: 2rem; flex-wrap: wrap; }
.tab {
  padding: 1rem 1.25rem;
  font-size: var(--fs-small);
  color: var(--text-2);
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  transition: color var(--motion-fast), border-color var(--motion-fast);
  font-weight: 500;
}
.tab:hover { color: var(--ink-900); }
.tab.on { color: var(--ink-900); border-bottom-color: var(--ink-900); font-weight: 600; }

/* Iter 5 I4: grid 2 cols en mobile chiquito · 3 cols en mid · 6 en desktop */
.plazos { display: grid; grid-template-columns: repeat(2, 1fr); gap: .5rem; margin-bottom: 2rem; }
@media (min-width: 420px) { .plazos { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 600px) { .plazos { grid-template-columns: repeat(6, 1fr); } }
.plazo-btn {
  /* Iter 5 H9: tap target mínimo 44px (WCAG 2.5.5) */
  min-height: 44px;
  padding: .85rem .5rem;
  background: var(--paper);
  border: 1px solid var(--rule);
  font-size: var(--fs-small); font-weight: 500; color: var(--text-2);
  border-radius: var(--radius);
  transition: all var(--motion-fast);
}
.plazo-btn:hover { border-color: var(--steel-300); color: var(--ink-900); }
.plazo-btn.on { background: var(--ink-900); color: var(--on-dark); border-color: var(--ink-900); }

.tasa-bar { height: 3px; background: var(--rule); border-radius: 2px; overflow: hidden; margin-bottom: 1.5rem; }
.tasa-bar > div { height: 100%; background: var(--ink-900); transition: width var(--motion-base); }

/* ──────────────────────────────────────────────────────
   FORMULARIOS PREMIUM
   ────────────────────────────────────────────────────── */
.form-panel {
  background: var(--paper);
  padding: clamp(1.75rem, 3.5vw, 2.5rem);
  border-top: 1px solid var(--ink-900);
}
.form-head { display: flex; gap: .75rem; align-items: flex-start; margin-bottom: 1.5rem; }
.form-head svg { width: 22px; height: 22px; stroke: var(--ink-900); fill: none; stroke-width: 1.75; }
.form-head h3 { font-size: 1.25rem; }
.form-intro { font-size: var(--fs-small); color: var(--text-2); margin-bottom: 1.75rem; max-width: 52ch; }

/* Iter 11 + Iter 12: bloque de "import" del simulador.
   - Siempre visible y sincronizado con la calculadora.
   - Jerarquía editorial: eyebrow → cifra grande → contexto → acción.
   - Acción compacta para no competir con "Enviar solicitud". */
.prefill {
  background: var(--paper-3);
  padding: .9rem 1.1rem;
  margin-bottom: 1.25rem;
  border-left: 2px solid var(--ink-900);
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.prefill-body { flex: 1 1 220px; min-width: 0; }
.prefill-action {
  flex: 0 0 auto;
}
.prefill-action .btn {
  white-space: nowrap;
  padding: .55rem .9rem;
  font-size: .8125rem;
  font-weight: 500;
}
.prefill-action .btn svg { width: 14px; height: 14px; }
.prefill-action .btn.is-loaded {
  background: var(--ok, #1f7a48);
  color: #fff;
  border-color: transparent;
}
.pfl-t { font-size: var(--fs-eyebrow); letter-spacing: .12em; text-transform: uppercase; color: var(--text-3); margin-bottom: .25rem; }
.prefill-v {
  font-family: var(--font-display);
  font-size: 1.35rem; line-height: 1.05;
  font-weight: 600;
  color: var(--ink-900);
  font-variant-numeric: tabular-nums;
  letter-spacing: -.01em;
  margin-bottom: .15rem;
}
.prefill-d { font-size: var(--fs-caption); color: var(--text-2); line-height: 1.4; }
@media (max-width: 520px) {
  .prefill { flex-direction: column; align-items: flex-start; }
  .prefill-action { width: 100%; }
  .prefill-action .btn { width: 100%; justify-content: center; }
}

/* ──────────────────────────────────────────────────────
   ITER 12 · COMPACTACIÓN SIMULADOR (scope: .page-simulador)
   Reduce paddings, márgenes y cifras gigantes manteniendo
   jerarquía editorial. Solo afecta simulador.html, no las
   páginas que también usan hero-split-page (inversion/credito/contacto).
   ────────────────────────────────────────────────────── */
.page-simulador .hero-page { padding-top: clamp(1.25rem, 2.5vw, 2rem); padding-bottom: clamp(1rem, 2vw, 1.5rem); }
.page-simulador .hero-page .display { font-size: clamp(1.85rem, 3.8vw, 2.6rem); line-height: 1.08; margin-bottom: .65rem; }
.page-simulador .hero-page .lead { font-size: 1rem; line-height: 1.45; max-width: 60ch; }
.page-simulador .section { padding-top: clamp(1.25rem, 2.5vw, 2rem); padding-bottom: clamp(2rem, 4vw, 3.5rem); }
.page-simulador .sim-switcher { margin-bottom: 1.5rem; }
.page-simulador .sim-switcher .tab { padding: .75rem 1.15rem; }

.page-simulador .calc,
.page-simulador .form-panel { padding: clamp(1.25rem, 2.5vw, 1.75rem); }

.page-simulador .calc-head { margin-bottom: 1.25rem; }
.page-simulador .calc-head h3 { font-size: 1.125rem; }
.page-simulador .calc-label { margin-bottom: .55rem; }
.page-simulador .range-wrap { margin-bottom: 1.25rem; }
.page-simulador .rate-items { gap: .55rem; margin-bottom: 1.25rem; }
.page-simulador .rate-item { padding: .75rem 1.05rem; }
.page-simulador .rate-num { font-size: 1.15rem; }

.page-simulador .tabs { margin-bottom: 1.25rem; }
.page-simulador .tab { padding: .75rem 1rem; }
.page-simulador .plazos { margin-bottom: 1.25rem; gap: .4rem; }
.page-simulador .plazo-btn { min-height: 44px; padding: .55rem .35rem; } /* tap target ≥44 conservado */
.page-simulador .tasa-bar { margin-bottom: 1rem; }

.page-simulador .calc-result {
  padding: clamp(1.1rem, 2.2vw, 1.5rem);
  margin-top: .75rem;
}
.page-simulador .calc-result-label { margin-bottom: .35rem; }
.page-simulador .calc-result-total {
  font-size: clamp(1.65rem, 3.4vw, 2.4rem);
  margin-bottom: .75rem;
}
.page-simulador .calc-row { padding: .5rem 0; }

.page-simulador .disclaimer {
  margin-top: 1rem;
  padding: .85rem 1rem;
  font-size: var(--fs-caption);
  line-height: 1.5;
}

.page-simulador .form-head { margin-bottom: 1.25rem; }
.page-simulador .form-head h3 { font-size: 1.125rem; }
.page-simulador .form-intro { margin-bottom: 1.25rem; }
.page-simulador .field { margin-bottom: .9rem; }
.page-simulador .field-row { gap: .85rem; margin-bottom: 0; }
.page-simulador .terms { margin: .5rem 0 1rem; }

.field { margin-bottom: 1.25rem; }
.field label {
  display: block; font-size: var(--fs-eyebrow);
  letter-spacing: .12em; text-transform: uppercase;
  color: var(--text-3); margin-bottom: .5rem;
  font-weight: 600;
}
.field input, .field select, .field textarea {
  width: 100%;
  padding: .85rem 0;
  background: transparent;
  border: none;
  border-bottom: 1px solid var(--steel-200);
  font-size: var(--fs-body);
  color: var(--ink-900);
  transition: border-color var(--motion-fast);
}
/* Iter 5 H1: outline visible para teclado (no oculto) */
.field input:focus-visible, .field select:focus-visible, .field textarea:focus-visible {
  outline: 2px solid var(--ink-900);
  outline-offset: 2px;
  border-bottom-color: var(--ink-900);
  border-bottom-width: 2px;
}
/* Estado :focus (sin teclado, p.ej. click) mantiene solo el subrayado, sin halo */
.field input:focus:not(:focus-visible),
.field select:focus:not(:focus-visible),
.field textarea:focus:not(:focus-visible) {
  outline: none;
  border-bottom-color: var(--ink-900);
  border-bottom-width: 2px;
}
.field.err input, .field.err select, .field.err textarea { border-bottom-color: var(--danger); }
.field-row { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media (min-width: 600px) { .field-row { grid-template-columns: 1fr 1fr; } }

.terms { display: flex; gap: .65rem; padding: 1rem 0; align-items: flex-start; font-size: var(--fs-small); color: var(--text-2); }
.terms input[type="checkbox"] {
  margin-top: .25rem; flex-shrink: 0; accent-color: var(--ink-900);
  width: 16px; height: 16px;
}
.terms a { color: var(--ink-900); font-weight: 500; text-decoration: underline; }

/* ──────────────────────────────────────────────────────
   DISCLAIMERS
   ────────────────────────────────────────────────────── */
.disclaimer {
  background: var(--paper-3);
  padding: 1rem 1.25rem;
  font-size: var(--fs-caption);
  color: var(--text-2);
  line-height: 1.6;
  margin-top: 1.5rem;
  border-left: 2px solid var(--steel-300);
}
.disclaimer strong { color: var(--ink-900); font-weight: 600; }

/* ──────────────────────────────────────────────────────
   FAQ
   ────────────────────────────────────────────────────── */
.faq-tabs { display: flex; gap: 0; border-bottom: 1px solid var(--rule); margin-bottom: 2.5rem; flex-wrap: wrap; }
.faq-tab {
  padding: 1rem 1.25rem;
  font-size: var(--fs-small); font-weight: 500;
  color: var(--text-2);
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  transition: all var(--motion-fast);
}
.faq-tab:hover { color: var(--ink-900); }
.faq-tab.on { color: var(--ink-900); border-bottom-color: var(--ink-900); font-weight: 600; }

.faq-list { display: none; }
.faq-list.on { display: block; }
.faq-item { border-top: 1px solid var(--rule); }
.faq-item:last-child { border-bottom: 1px solid var(--rule); }
.faq-q {
  width: 100%;
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  padding: 1.5rem 0;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1.125rem;
  font-weight: 500;
  color: var(--ink-900);
}
.faq-q-icon { position: relative; width: 16px; height: 16px; flex-shrink: 0; }
.faq-q-icon::before, .faq-q-icon::after {
  content: ""; position: absolute; background: var(--ink-900);
  transition: transform var(--motion-fast);
}
.faq-q-icon::before { top: 50%; left: 0; right: 0; height: 1.5px; transform: translateY(-50%); }
.faq-q-icon::after  { left: 50%; top: 0; bottom: 0; width: 1.5px; transform: translateX(-50%); }
.faq-item.open .faq-q-icon::after { transform: translateX(-50%) scaleY(0); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height var(--motion-base); }
.faq-item.open .faq-a { max-height: 500px; }
.faq-a-inner { padding: 0 0 1.5rem; font-size: var(--fs-body); color: var(--text-2); line-height: 1.7; max-width: 70ch; }

/* ──────────────────────────────────────────────────────
   AGENCIAS (contacto)
   ────────────────────────────────────────────────────── */
.agencias-grid {
  display: grid; grid-template-columns: 1fr; gap: 1px;
  background: var(--rule); margin-top: 2rem;
}
@media (min-width: 600px) { .agencias-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 820px) { .agencias-grid { grid-template-columns: repeat(3, 1fr); } }
.agencia {
  background: var(--paper);
  padding: 1.5rem;
  display: flex; flex-direction: column; gap: .5rem;
}
.agencia-name { font-family: var(--font-display); font-size: 1.125rem; color: var(--ink-900); }
.agencia-addr { font-size: var(--fs-small); color: var(--text-2); line-height: 1.5; }
.agencia-meta { font-size: var(--fs-caption); color: var(--text-3); margin-top: auto; padding-top: .5rem; }
.agencia .card-link { margin-top: .75rem; padding-top: 0; }

/* ──────────────────────────────────────────────────────
   TIMELINE (nosotros)
   ────────────────────────────────────────────────────── */
.timeline { border-top: 1px solid var(--ink-900); margin-top: 2rem; }
.timeline-item {
  display: grid; grid-template-columns: 1fr; gap: .5rem;
  padding: 2rem 0; border-bottom: 1px solid var(--rule);
}
@media (min-width: 720px) { .timeline-item { grid-template-columns: 140px 1fr; gap: 2rem; } }
.timeline-year { font-family: var(--font-mono); font-size: 1.25rem; color: var(--ink-900); font-variant-numeric: tabular-nums; }
.timeline-body h4 { font-size: 1.25rem; margin-bottom: .5rem; }
.timeline-body p { font-size: var(--fs-small); color: var(--text-2); max-width: 60ch; }

/* ──────────────────────────────────────────────────────
   DOCS (transparencia)
   ────────────────────────────────────────────────────── */
.docs-grid { display: grid; grid-template-columns: 1fr; gap: 1px; background: var(--rule); margin-top: 2rem; }
@media (min-width: 720px) { .docs-grid { grid-template-columns: 1fr 1fr; } }
.doc {
  background: var(--paper); padding: 1.5rem;
  display: flex; gap: 1rem; align-items: flex-start;
  transition: background var(--motion-fast);
}
.doc:hover { background: var(--paper-2); }
.doc-ico {
  width: 40px; height: 40px; flex-shrink: 0;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--paper-3);
}
.doc-ico svg { width: 20px; height: 20px; stroke: var(--ink-900); fill: none; stroke-width: 1.75; }
.doc-body { flex: 1; }
.doc-body h4 { font-family: var(--font-sans); font-size: var(--fs-body); margin-bottom: .25rem; }
.doc-meta { font-size: var(--fs-caption); color: var(--text-3); display: flex; gap: .5rem; }
.doc-link { font-size: var(--fs-small); font-weight: 600; color: var(--ink-900); flex-shrink: 0; }
.doc-link:hover { color: var(--accent); }

/* ──────────────────────────────────────────────────────
   CIERRE CTA
   ────────────────────────────────────────────────────── */
.cierre {
  background: var(--ink-900); color: var(--on-dark);
  padding: clamp(4rem, 8vw, 7rem) 0;
}
.cierre h2 { color: var(--on-dark); max-width: 18ch; margin-bottom: 1.5rem; }
.cierre p { color: var(--on-dark-2); max-width: 56ch; margin-bottom: 2.5rem; }
.cierre-ctas { display: flex; flex-wrap: wrap; gap: .75rem; }

/* ──────────────────────────────────────────────────────
   FOOTER
   ────────────────────────────────────────────────────── */
.footer {
  background: var(--ink-950); color: var(--on-dark);
  padding: clamp(4rem, 8vw, 6rem) 0 0;
}
.footer-grid {
  display: grid; grid-template-columns: 1fr; gap: 3rem;
  padding-bottom: 3rem;
}
@media (min-width: 720px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.footer-brand .ft-logo { display: flex; align-items: center; gap: .75rem; margin-bottom: 1.5rem; }
/* iter 7: logo footer reducido + filter invert para versión blanca sobre navy */
.footer-brand .ft-logo img { height: 32px; width: auto; filter: brightness(0) invert(1); }
.footer-brand p { font-size: var(--fs-small); line-height: 1.7; color: var(--on-dark-2); margin-bottom: 1.5rem; max-width: 42ch; }
.footer-brand .ft-legal { font-size: var(--fs-caption); color: var(--on-dark-2); line-height: 1.7; }
.footer-brand .ft-legal strong { color: var(--on-dark); font-weight: 600; }
.footer-brand .ft-legal a { color: var(--on-dark); text-decoration: underline; }

.footer-col h5 {
  font-family: var(--font-sans);
  font-size: var(--fs-eyebrow);
  letter-spacing: .14em; text-transform: uppercase;
  color: var(--on-dark-2);
  font-weight: 600;
  margin-bottom: 1.25rem;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: .65rem; }
.footer-col a {
  font-size: var(--fs-small); color: var(--on-dark);
  transition: color var(--motion-fast);
}
.footer-col a:hover { color: var(--accent); }

.footer-btm {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 1.5rem 0 2rem;
  display: flex; flex-wrap: wrap; gap: 1rem;
  justify-content: space-between; align-items: center;
}
.footer-btm p { font-size: var(--fs-caption); color: var(--on-dark-2); }
.footer-reg { display: flex; flex-wrap: wrap; gap: .5rem; }
.reg-item {
  font-size: var(--fs-caption);
  padding: .35rem .75rem;
  background: rgba(255,255,255,.06);
  color: var(--on-dark);
  border-radius: var(--radius);
  font-weight: 500;
}

/* ──────────────────────────────────────────────────────
   MODAL ÉXITO
   ────────────────────────────────────────────────────── */
.modal {
  position: fixed; inset: 0;
  background: rgba(11,30,51,.7);
  display: none; align-items: center; justify-content: center;
  padding: var(--gutter);
  z-index: 200;
}
.modal.on { display: flex; }
.modal-box {
  background: var(--paper);
  padding: clamp(2rem, 4vw, 3rem);
  max-width: 480px; width: 100%;
  border-top: 3px solid var(--success);
  text-align: center;
}
.modal-ico {
  width: 56px; height: 56px;
  border-radius: 50%; background: rgba(31,122,77,.12);
  display: inline-flex; align-items: center; justify-content: center;
  margin: 0 auto 1.25rem;
}
.modal-ico svg { width: 28px; height: 28px; stroke: var(--success); fill: none; stroke-width: 2.5; }
.modal h3 { font-size: 1.5rem; margin-bottom: .75rem; }
.modal p { font-size: var(--fs-small); color: var(--text-2); margin-bottom: 1.75rem; }

/* ──────────────────────────────────────────────────────
   REVEAL ON SCROLL
   ────────────────────────────────────────────────────── */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .6s ease-out, transform .6s ease-out; }
.reveal.in { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
  * { animation: none !important; transition: none !important; }
}

/* ──────────────────────────────────────────────────────
   UTILS
   ────────────────────────────────────────────────────── */
.text-accent { color: var(--accent); }
.text-muted  { color: var(--text-3); }
.divider     { height: 1px; background: var(--rule); margin: clamp(2rem, 4vw, 3rem) 0; }
.spacer-sm   { height: 1rem; }
.spacer-md   { height: 2rem; }
.spacer-lg   { height: 4rem; }

/* 404 */
.notfound {
  min-height: 100dvh;
  display: flex; align-items: center;
  padding: var(--gutter);
  background: var(--paper);
}
.notfound-inner { max-width: 640px; margin: 0 auto; text-align: center; }
.notfound-code {
  font-family: var(--font-mono);
  font-size: clamp(4rem, 12vw, 8rem);
  color: var(--ink-900);
  font-variant-numeric: tabular-nums;
  letter-spacing: -.04em;
  line-height: 1;
  margin-bottom: 1rem;
}
.notfound h1 { margin-bottom: 1rem; }
.notfound .lead { margin: 0 auto 2rem; }
.notfound-links { display: flex; flex-wrap: wrap; gap: .5rem; justify-content: center; }

/* ══════════════════════════════════════════════════════════════════
   ITER 4 · NUEVOS COMPONENTES
   ══════════════════════════════════════════════════════════════════ */

/* ──────────────────────────────────────────────────────
   FEATURE-FIGURE · cifra ↔ foto ↔ testimonio (intercambiable)
   Sistema reutilizable: misma caja, 3 variantes por clase modificadora.
   Documentado en comentarios HTML de inversion/credito para fase 2.
   ────────────────────────────────────────────────────── */
.feature-figure {
  position: relative;
  background: var(--paper-3);
  aspect-ratio: 5/4;
  display: flex; align-items: center; justify-content: center;
  padding: clamp(2rem, 5vw, 4rem);
  overflow: hidden;
  border: 0;
  margin: 0;
}
.feature-figure.dark { background: var(--ink-900); color: var(--on-dark); }

/* Variante 1 · cifra (default actual) */
.feature-figure.is-num { /* hereda layout */ }
.feature-figure.is-num .figure-num {
  font-family: var(--font-display);
  /* Iter 5 E1: máximo 6rem para no aplastar H1 del hero · sin perder presencia */
  font-size: clamp(3.5rem, 8vw, 6rem);
  font-weight: 500;
  color: var(--ink-900);
  line-height: 1;
  letter-spacing: -.04em;
  text-align: center;
}
.feature-figure.is-num.dark .figure-num { color: var(--on-dark); }
.feature-figure.is-num .figure-num sup {
  font-size: .35em;
  vertical-align: top;
  color: var(--steel-500);
  font-weight: 500;
}
.feature-figure.is-num.dark .figure-num sup { color: var(--on-dark-2); }
.feature-figure.is-num .figure-num-label {
  position: absolute;
  left: clamp(1.5rem, 4vw, 3rem);
  bottom: clamp(1.5rem, 4vw, 3rem);
  font-family: var(--font-sans);
  font-size: var(--fs-eyebrow);
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--text-3);
}
.feature-figure.is-num.dark .figure-num-label { color: var(--on-dark-2); }
/* Iter 5 I2: en mobile, label en flujo (no absolute) — evita superposición */
@media (max-width: 719px) {
  .feature-figure.is-num {
    flex-direction: column;
    padding: 2rem 1.25rem;
    aspect-ratio: auto;
    min-height: 240px;
  }
  .feature-figure.is-num .figure-num-label {
    position: static;
    margin-top: 1.25rem;
    text-align: center;
  }
}

/* Variante 2 · foto editorial */
.feature-figure.is-photo {
  padding: 0;
}
.feature-figure.is-photo img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center;
}
.feature-figure.is-photo .figure-caption {
  position: absolute; left: 0; right: 0; bottom: 0;
  padding: clamp(1.5rem, 4vw, 2.5rem);
  background: linear-gradient(180deg, rgba(11,30,51,0) 0%, rgba(11,30,51,.72) 60%, rgba(11,30,51,.88) 100%);
  color: var(--on-dark);
}
.feature-figure.is-photo .figure-caption .eyebrow { color: var(--on-dark-2); margin-bottom: .25rem; }
.feature-figure.is-photo .figure-caption h3 {
  color: var(--on-dark);
  font-size: clamp(1.15rem, 1.6vw, 1.5rem);
  max-width: 28ch;
  line-height: 1.18;
}

/* Variante 3 · testimonio */
.feature-figure.is-quote {
  align-items: flex-start;
  text-align: left;
  flex-direction: column;
  justify-content: space-between;
  padding: clamp(2rem, 4vw, 3rem);
}
.feature-figure.is-quote::before {
  content: "“";
  font-family: var(--font-display);
  font-size: clamp(5rem, 10vw, 8rem);
  line-height: .8;
  color: var(--accent);
  margin-bottom: .25rem;
}
.feature-figure.is-quote blockquote {
  font-family: var(--font-display);
  font-size: clamp(1.15rem, 1.8vw, 1.5rem);
  line-height: 1.32;
  color: var(--ink-900);
  margin: 0 0 1.25rem;
  max-width: 28ch;
}
.feature-figure.is-quote.dark blockquote { color: var(--on-dark); }
.feature-figure.is-quote cite {
  font-style: normal;
  font-family: var(--font-sans);
  font-size: var(--fs-small);
  color: var(--text-2);
  display: block;
}
.feature-figure.is-quote.dark cite { color: var(--on-dark-2); }
.feature-figure.is-quote cite strong { color: var(--ink-900); display: block; font-weight: 600; }
.feature-figure.is-quote.dark cite strong { color: var(--on-dark); }

/* ──────────────────────────────────────────────────────
   MARCO REGULATORIO (transparencia.html · iter 4)
   Grid 4 reguladores con logo arriba, nombre y link
   ────────────────────────────────────────────────────── */
.regulators-grid {
  display: grid; grid-template-columns: 1fr; gap: 1px;
  background: var(--rule); margin-top: 2rem;
}
@media (min-width: 600px) { .regulators-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 820px) { .regulators-grid { grid-template-columns: repeat(4, 1fr); } }
.regulator {
  background: var(--paper);
  padding: clamp(1.5rem, 2.5vw, 2.25rem);
  display: flex; flex-direction: column; gap: 1rem;
  transition: background var(--motion-base);
}
.regulator:hover { background: var(--paper-2); }
.regulator-logo {
  height: 64px;
  display: flex; align-items: center; justify-content: flex-start;
}
.regulator-logo img {
  height: 100%;
  max-height: 64px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
  object-position: left center;
}
.regulator-name {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--ink-900);
  line-height: 1.2;
}
/* Iter 9: subtítulo nombre completo de cada regulador */
.regulator-meta {
  font-size: .78rem;
  color: var(--text-3);
  text-transform: uppercase;
  letter-spacing: .08em;
  font-weight: 500;
  margin-top: -.15rem;
}
.regulator-desc {
  font-size: var(--fs-small);
  color: var(--text-2);
  line-height: 1.55;
  flex: 1;
  margin-top: .35rem;
}
.regulator-link {
  margin-top: auto;
  font-size: var(--fs-small);
  font-weight: 600;
  color: var(--ink-900);
  display: inline-flex; align-items: center; gap: .35rem;
}
.regulator-link:hover { color: var(--accent); }

/* ──────────────────────────────────────────────────────
   COBERTURA OPERATIVA (nosotros.html · iter 4)
   Refuerzo institucional al "1 oficina" → 22 departamentos digital
   ────────────────────────────────────────────────────── */
.coverage {
  display: grid; grid-template-columns: 1fr; gap: clamp(1.5rem, 3vw, 2.5rem);
  align-items: center;
  margin-top: 1.5rem;
}
@media (min-width: 720px) { .coverage { grid-template-columns: 1fr 1fr; } }
.coverage-copy h3 { font-size: clamp(1.25rem, 1.9vw, 1.6rem); margin-bottom: .75rem; max-width: 22ch; }
.coverage-copy p  { font-size: var(--fs-small); color: var(--text-2); margin-bottom: 1rem; max-width: 50ch; }
.coverage-list {
  list-style: none; padding: 0; margin: 0;
  display: grid; grid-template-columns: repeat(2, 1fr); gap: .35rem .9rem;
  border-top: 1px solid var(--rule);
  padding-top: 1rem;
}
@media (min-width: 480px) { .coverage-list { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 720px) { .coverage-list { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 820px) { .coverage-list { grid-template-columns: repeat(3, 1fr); } }
.coverage-list li {
  font-size: var(--fs-caption);
  color: var(--text-2);
  font-family: var(--font-sans);
  padding: .15rem 0;
}
.coverage-meta {
  background: var(--paper-3);
  padding: clamp(1.5rem, 3vw, 2.25rem);
  display: flex; flex-direction: column; gap: .65rem;
  border-top: 1px solid var(--ink-900);
}
.coverage-meta .eyebrow { margin-bottom: .25rem; }
.coverage-meta .stat-big {
  font-family: var(--font-display);
  font-size: clamp(3rem, 6vw, 4.5rem);
  font-weight: 500;
  color: var(--ink-900);
  line-height: 1;
  letter-spacing: -.02em;
}
.coverage-meta p { font-size: var(--fs-small); color: var(--text-2); margin: 0; max-width: 38ch; }

/* ──────────────────────────────────────────────────────
   FLOATING WHATSAPP BUTTON (todas las páginas · iter 4)
   ────────────────────────────────────────────────────── */
.wa-float {
  position: fixed;
  right: clamp(1rem, 2.5vw, 1.75rem);
  bottom: clamp(1rem, 2.5vw, 1.75rem);
  z-index: 90; /* bajo modal (200), bajo drawer (100), arriba header */
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--wa);
  color: #fff;
  display: inline-flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 28px rgba(37,211,102,.34), 0 2px 8px rgba(11,30,51,.18);
  transition: transform var(--motion-base), box-shadow var(--motion-base);
}
.wa-float:hover, .wa-float:focus-visible {
  transform: translateY(-2px) scale(1.04);
  box-shadow: 0 12px 36px rgba(37,211,102,.5), 0 4px 14px rgba(11,30,51,.24);
}
.wa-float:focus-visible { outline: 3px solid var(--ink-900); outline-offset: 4px; }
.wa-float svg {
  width: 30px; height: 30px;
  fill: #fff;
}
/* Iter 5 J1: pulse eliminado (anti-premium) — solo hover lift sutil */
/* Que no choque con el drawer abierto (drawer es position:fixed full-screen) */
.drawer.on ~ .wa-float { display: none; }

/* Icono pequeño WA en topbar (afordancia visual del link "WhatsApp") */
.tb-wa-ico {
  width: 12px; height: 12px;
  display: inline-block;
  vertical-align: -2px;
  margin-right: .25rem;
  fill: currentColor;
}

/* ──────────────────────────────────────────────────────
   FOOTER · BLOQUE SOCIAL (iter 4)
   ────────────────────────────────────────────────────── */
.footer-social {
  margin-top: 1.5rem;
}
.footer-social .ft-social-label {
  font-family: var(--font-sans);
  font-size: var(--fs-eyebrow);
  letter-spacing: .14em; text-transform: uppercase;
  color: var(--on-dark-2);
  font-weight: 600;
  margin-bottom: .75rem;
}
.ft-social-list {
  display: flex; flex-wrap: wrap; gap: .5rem;
  list-style: none; padding: 0;
}
.ft-social-list a {
  width: 36px; height: 36px;
  display: inline-flex; align-items: center; justify-content: center;
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 50%;
  color: var(--on-dark-2);
  transition: color var(--motion-fast), border-color var(--motion-fast), background var(--motion-fast);
}
.ft-social-list a:hover, .ft-social-list a:focus-visible {
  color: var(--paper);
  border-color: var(--paper);
  background: rgba(255,255,255,.06);
}
.ft-social-list svg { width: 16px; height: 16px; fill: currentColor; }

/* Footer · reguladores con logos en chip blanca (iter 7: arregla logos con bg blanco original) */
.footer-reg-logos {
  display: flex; flex-wrap: wrap; gap: .75rem; align-items: center;
}
.footer-reg-logos a {
  display: inline-flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,.95);
  padding: .4rem .7rem;
  border-radius: 4px;
  transition: background var(--motion-fast), transform var(--motion-fast);
}
.footer-reg-logos a:hover, .footer-reg-logos a:focus-visible {
  background: #fff;
  transform: translateY(-1px);
}
.footer-reg-logos img {
  height: 22px;
  width: auto;
  max-width: 96px;
  object-fit: contain;
  display: block;
}

/* Iter 4: count-up cosmético — sin saltos al iniciar (clase opcional) */
.hm-n.count-pending { visibility: hidden; }
.hm-n.count-pending.in { visibility: visible; }

/* ══════════════════════════════════════════════════════════════════
   ITER 5 · CLASES PARA SUSTITUIR INLINE STYLES
   ══════════════════════════════════════════════════════════════════ */

/* F1 · Stat card sobre dark (index · sección "Cifras institucionales") */
.cards-grid.on-dark { background: rgba(255,255,255,.08); }
.stat-card.on-dark {
  background: var(--ink-900);
  color: var(--on-dark);
  padding: clamp(1.75rem, 3vw, 2.5rem);
  display: flex; flex-direction: column; gap: .75rem;
  transition: background var(--motion-base);
}
.stat-card.on-dark .stat-num {
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums lining-nums;
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  color: var(--on-dark);
  line-height: 1;
}
.stat-card.on-dark h4 {
  color: var(--on-dark);
  font-size: 1rem;
  font-family: var(--font-sans);
  font-weight: 500;
}
.stat-card.on-dark p { color: var(--on-dark-2); font-size: var(--fs-small); }

/* F2 · Data table (nosotros · ficha técnica institucional) */
.data-table {
  border-top: 1px solid var(--ink-900);
  margin: 0;
  width: 100%;
}
.data-table-row {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: baseline;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 1px solid var(--rule);
}
.data-table-row .data-key {
  font-family: var(--font-sans);
  font-size: var(--fs-small);
  font-weight: 500;
  color: var(--ink-900);
}
.data-table-row .data-val {
  font-size: var(--fs-small);
  color: var(--text-2);
  text-align: right;
}
.data-table-row .data-val.mono { font-family: var(--font-mono); font-variant-numeric: tabular-nums; }

/* F3 · Contact info block (contacto · hero figure con 4 canales)
   Iter 9: estructura editorial con separadores finos entre canales.
   Cada item: eyebrow + valor (siempre debajo) + nota explicativa. */
.contact-info-block {
  width: 100%;
  display: flex; flex-direction: column;
  gap: 0;
}
.contact-info-item {
  display: flex; flex-direction: column;
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--rule);
}
.contact-info-item:first-child { padding-top: 0; }
.contact-info-item:last-child { border-bottom: 0; padding-bottom: 0; }
.contact-info-item .eyebrow { margin-bottom: .65rem; }
.contact-info-item .contact-info-value {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--ink-900);
  display: block;
  line-height: 1.15;
}
.contact-info-item .contact-info-value.lg { font-size: 1.85rem; letter-spacing: -.01em; }
.contact-info-item .contact-info-value.address {
  font-size: 1.15rem;
  line-height: 1.45;
}
.contact-info-item .contact-info-link {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--ink-900);
  display: flex; align-items: center; gap: .5rem;
  align-self: flex-start;
  transition: color var(--motion-fast);
}
.contact-info-item .contact-info-link:hover { color: var(--accent); }
.contact-info-item .contact-info-link svg {
  width: 20px; height: 20px;
  stroke: currentColor; fill: none; stroke-width: 2;
}
.contact-info-item .contact-info-note {
  font-size: var(--fs-small);
  color: var(--text-2);
  margin-top: .45rem;
}
.contact-info-item .card-link.contact-map {
  margin-top: .85rem;
  display: inline-flex;
  align-self: flex-start;
  padding-top: 0;
}
/* hero-figure en contacto: alineación arriba-izquierda, no centrado */
.hero-figure.is-contact {
  align-items: stretch;
  justify-content: flex-start;
  padding: clamp(2rem, 5vw, 4rem);
}

/* Form-panel bare (sin chrome) · contacto */
.form-panel.form-panel-bare {
  background: transparent;
  padding: 0;
  border-top: none;
  margin-top: 1.5rem;
}

/* G1 · Social disabled (sustituye <a> sin URL real por <span>) */
.ft-social-disabled {
  width: 36px; height: 36px;
  display: inline-flex; align-items: center; justify-content: center;
  border: 1px solid rgba(255,255,255,.10);
  border-radius: 50%;
  color: rgba(255,255,255,.35);
  background: transparent;
  cursor: default;
  opacity: .55;
}
.ft-social-disabled svg { width: 16px; height: 16px; fill: currentColor; }

/* H6 · "Síguenos" oculto por completo cuando no hay URLs reales (G1) */
.footer-social.is-hidden { display: none; }

/* D1 · Card editorial sobre dark (sustituye iconos cliché en pilares index)
   La clase .card-editorial ya existe; agrego variantes consistentes. */
.card-editorial .card-link {
  font-size: var(--fs-small);
  font-weight: 600;
  color: var(--ink-900);
  display: inline-flex; align-items: center; gap: .35rem;
  margin-top: auto;
  padding-top: .75rem;
}
.card-editorial .card-link:hover { color: var(--accent); }

/* H4 · Burger animado cuando aria-expanded=true (afordancia visual) */
.burger[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(6px) rotate(45deg);
}
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-6px) rotate(-45deg);
}
.burger span {
  transition: transform var(--motion-fast), opacity var(--motion-fast);
  transform-origin: center;
}

/* Iter 5 I2: feature-figure pierde aspect-ratio en mobile para no aplastar contenido */
@media (max-width: 719px) {
  .feature-figure { aspect-ratio: auto; min-height: 240px; }
}