/* =========================================================
   Invercrédito · Sistema visual
   Paleta: azul marino profundo + esmeralda + neutros cálidos
   ========================================================= */
:root {
  --navy: #0e2a47;
  --navy-2: #163d66;
  --navy-3: #1f4f80;
  --ink: #1b2431;
  --ink-2: #4b5768;
  --ink-3: #7b8595;
  --line: #cfd6de;
  --paper: #ffffff;
  --paper-2: #e9edf2;
  --paper-3: #dde3ea;
  --emerald: #1e7f5c;
  --emerald-2: #176a4c;
  --emerald-soft: #e6f4ee;
  --gold: #b98a3a;
  --error: #b42318;
  --wa: #25d366;
  --on-navy: #dce6f2;
  --on-navy-muted: #9fb3c8;
  --radius: 10px;
  --radius-sm: 6px;
  --shadow: 0 18px 40px rgba(14, 42, 71, .14);
  --shadow-sm: 0 4px 14px rgba(14, 42, 71, .08);
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, sans-serif;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: var(--paper); line-height: 1.6; -webkit-font-smoothing: antialiased; }
h1, h2, h3 { margin: 0 0 .5em; line-height: 1.15; font-weight: 700; letter-spacing: -0.01em; }
h1, h2, .section__title { font-family: var(--serif); font-weight: 600; letter-spacing: 0; }
p { margin: 0 0 1em; }
a { color: inherit; }
.container { width: 100%; max-width: 1140px; margin: 0 auto; padding: 0 20px; }
.container--narrow { max-width: 780px; }

/* ---------- Iconos ---------- */
.ico { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.ico--lg { width: 30px; height: 30px; }

/* ---------- Botones ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5rem; padding: 14px 26px; border-radius: var(--radius-sm); font-weight: 600; font-size: 1rem; text-decoration: none; border: 1.5px solid transparent; cursor: pointer; transition: background .15s, border-color .15s, transform .15s; font-family: inherit; letter-spacing: .01em; }
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--emerald); color: #fff; }
.btn--primary:hover { background: var(--emerald-2); }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-2); }
.btn--ghost { background: transparent; border-color: currentColor; }
.btn--outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--outline:hover { background: var(--navy); color: #fff; }
.btn--sm { padding: 9px 18px; font-size: .9rem; }
.btn--lg { padding: 17px 32px; font-size: 1.05rem; }
.btn--block { width: 100%; }
.btn[disabled] { opacity: .6; cursor: wait; }

/* ---------- Header ---------- */
.header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.94); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.header__inner { display: flex; align-items: center; justify-content: space-between; height: 78px; }
.logo { font-family: var(--serif); font-weight: 700; font-size: 1.95rem; color: var(--navy); text-decoration: none; display: flex; align-items: center; gap: .65rem; letter-spacing: -.015em; }
.logo__mark { height: 40px; padding: 0 10px; border-radius: 8px; background: var(--navy); color: #fff; display: grid; place-items: center; font-family: var(--sans); font-weight: 800; font-size: .95rem; letter-spacing: .12em; }
.nav { display: flex; align-items: center; gap: 22px; }
.nav__link { color: var(--ink-2); text-decoration: none; font-weight: 600; font-size: .95rem; white-space: nowrap; }
.nav__link:hover { color: var(--navy); }
.header .btn--ghost { color: var(--navy); }

/* ---------- Hero ---------- */
.hero { background: var(--paper-2); border-bottom: 1px solid var(--line); padding: 64px 0 80px; position: relative; overflow: hidden; }
.hero::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(var(--line) 1px, transparent 1px), linear-gradient(90deg, var(--line) 1px, transparent 1px); background-size: 48px 48px; opacity: .5; mask-image: radial-gradient(ellipse at 70% 30%, #000 20%, transparent 70%); pointer-events: none; }
.hero .container { position: relative; }
.hero__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.hero h1 { color: var(--navy); font-size: clamp(2.2rem, 4.5vw, 3.5rem); }
.accent { color: var(--emerald); }
.lead { font-size: 1.15rem; color: var(--ink-2); max-width: 54ch; }
.badge { display: inline-block; background: var(--emerald-soft); color: var(--emerald-2); padding: 6px 14px; border-radius: 999px; font-size: .82rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 20px; }
.checks { list-style: none; padding: 0; margin: 0 0 30px; display: grid; gap: 10px; }
.checks li { padding-left: 32px; position: relative; color: var(--ink); }
.checks li::before { content: ""; position: absolute; left: 0; top: 2px; width: 22px; height: 22px; border-radius: 50%; background: var(--emerald-soft); border: 1.5px solid var(--emerald); }
.checks li::after { content: ""; position: absolute; left: 7px; top: 7px; width: 6px; height: 10px; border: solid var(--emerald); border-width: 0 2px 2px 0; transform: rotate(45deg); }
.hero__ctas { display: flex; gap: 12px; flex-wrap: wrap; }

/* ---------- Card / Simulador ---------- */
.card { background: var(--paper); color: var(--ink); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); border: 1px solid var(--line); }
.sim { border-top: 5px solid var(--navy); }
.card__title { font-family: var(--serif); font-size: 1.45rem; color: var(--navy); margin-bottom: 20px; }
.field { display: grid; grid-template-columns: 1fr auto; gap: 4px 12px; margin-bottom: 18px; }
.field__label { font-size: .88rem; color: var(--ink-2); font-weight: 600; }
.field__value { font-weight: 700; font-variant-numeric: tabular-nums; color: var(--navy); }
.field input[type="range"] { grid-column: 1 / -1; width: 100%; accent-color: var(--navy); height: 32px; }
.sim__result { background: var(--navy); color: #fff; border-radius: var(--radius-sm); padding: 20px; text-align: center; margin: 8px 0 18px; display: grid; gap: 2px; }
.sim__label { font-size: .78rem; color: var(--on-navy-muted); font-weight: 700; text-transform: uppercase; letter-spacing: .08em; }
.sim__amount { font-family: var(--serif); font-size: 2.5rem; font-weight: 600; letter-spacing: -0.01em; font-variant-numeric: tabular-nums; }
.sim__note { font-size: .9rem; color: var(--on-navy); }
.sim__note strong { color: #fff; }
.fineprint { font-size: .78rem; color: var(--ink-3); margin: 12px 0 0; }

/* ---------- Strip de cifras ---------- */
.strip { background: var(--navy); color: #fff; }
.strip__inner { display: grid; grid-template-columns: repeat(4, 1fr); padding: 28px 20px; gap: 12px; text-align: center; }
.stat { display: grid; }
.stat strong { font-family: var(--serif); font-size: 1.9rem; font-weight: 600; }
.stat span { font-size: .82rem; font-weight: 600; color: var(--on-navy-muted); text-transform: uppercase; letter-spacing: .06em; }

/* ---------- Secciones ---------- */
.section { padding: 80px 0; }
.section--alt { background: var(--paper-2); }
.section--tight { padding: 48px 0 0; }
.section__title { text-align: center; font-size: clamp(1.8rem, 3vw, 2.5rem); color: var(--navy); margin-bottom: 44px; }
.section__kicker { display: block; text-align: center; color: var(--emerald); font-weight: 700; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 10px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.feature { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.feature__icon { width: 46px; height: 46px; border-radius: var(--radius-sm); background: var(--paper-3); color: var(--navy); display: grid; place-items: center; margin-bottom: 16px; }
.feature h3 { font-size: 1.08rem; color: var(--navy); }
.feature p { color: var(--ink-2); margin: 0; font-size: .96rem; }

.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.step { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; text-align: center; }
.step__num { display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: #fff; font-family: var(--serif); font-weight: 600; font-size: 1.1rem; margin-bottom: 14px; }
.step h3 { font-size: 1.05rem; color: var(--navy); }
.step p { color: var(--ink-2); margin: 0; font-size: .95rem; }

/* ---------- Tiles (tipos de vehículo) ---------- */
.tile { display: block; text-decoration: none; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; transition: border-color .15s, box-shadow .15s, transform .15s; }
.tile:hover { border-color: var(--navy); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.tile__icon { width: 50px; height: 50px; border-radius: var(--radius-sm); background: var(--navy); color: #fff; display: grid; place-items: center; margin-bottom: 14px; }
.tile h3 { font-size: 1.05rem; color: var(--navy); }
.tile p { color: var(--ink-2); margin: 0; font-size: .93rem; }

/* ---------- Pains ---------- */
.pains { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.pains li { background: var(--paper); border: 1px solid var(--line); border-left: 4px solid var(--emerald); border-radius: var(--radius-sm); padding: 20px 22px; color: var(--ink-2); }
.pains li strong { display: block; color: var(--navy); font-family: var(--serif); font-size: 1.1rem; font-weight: 600; margin-bottom: 4px; }

/* ---------- Banner cruzado ---------- */
.cross { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 36px 40px; display: grid; grid-template-columns: 1fr auto; gap: 28px; align-items: center; }
.cross h2 { font-size: 1.7rem; margin-bottom: 6px; color: #fff; }
.cross p { color: var(--on-navy); margin: 0; }
.cross__icons { display: flex; gap: 10px; margin-bottom: 12px; color: var(--on-navy-muted); }
.cross .btn--primary { white-space: nowrap; }

/* ---------- Formulario ---------- */
.form-section { background: var(--navy); color: var(--on-navy); }
.form-section__grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px; align-items: start; }
.form-section h2 { color: #fff; font-size: clamp(1.8rem, 3vw, 2.5rem); }
.form-section__copy p { color: var(--on-navy); font-size: 1.08rem; }
.req__title { margin-top: 32px; font-size: 1rem; color: #fff; text-transform: uppercase; letter-spacing: .06em; font-family: var(--sans); }
.form-section .checks li { color: var(--on-navy); }
.form-section .checks li::before { background: rgba(255,255,255,.08); border-color: var(--on-navy-muted); }
.form-section .checks li::after { border-color: #fff; }
.form-section .fineprint { color: var(--on-navy-muted); }
.form { display: grid; gap: 14px; }
.form__row { display: grid; gap: 14px; }
.form__row--2 { grid-template-columns: 1fr 1fr; }
.input { display: grid; gap: 6px; font-size: .88rem; font-weight: 600; color: var(--ink-2); }
.input input, .input select { width: 100%; padding: 13px 14px; border: 1.5px solid var(--line); border-radius: var(--radius-sm); font: inherit; font-weight: 500; color: var(--ink); background: #fff; transition: border-color .15s, box-shadow .15s; }
.input input:focus, .input select:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px rgba(14,42,71,.12); }
.input.is-invalid input, .input.is-invalid select { border-color: var(--error); }
.hp { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; }
.consent { display: flex; gap: 10px; font-size: .82rem; color: var(--ink-2); align-items: flex-start; font-weight: 400; }
.consent input { margin-top: 3px; accent-color: var(--navy); }
.form .fineprint { color: var(--ink-3); }
.form__error { color: var(--error); font-weight: 600; font-size: .9rem; margin: 0; }

/* ---------- Testimonios ---------- */
.quote { margin: 0; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; position: relative; }
.quote::before { content: "“"; position: absolute; top: 10px; left: 20px; font-family: var(--serif); font-size: 3.5rem; color: var(--line); line-height: 1; }
.quote p { color: var(--ink); font-size: 1rem; padding-top: 14px; }
.quote footer { color: var(--ink-3); font-size: .88rem; font-weight: 600; }

/* ---------- FAQ ---------- */
.faq { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 18px 22px; margin-bottom: 10px; }
.faq summary { cursor: pointer; font-weight: 600; color: var(--navy); list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; color: var(--ink-3); font-weight: 300; }
.faq[open] summary::after { content: "–"; }
.faq p { margin: 12px 0 0; color: var(--ink-2); }

/* ---------- CTA final / Footer ---------- */
.cta-final { background: var(--paper-2); border-top: 1px solid var(--line); text-align: center; padding: 80px 0; }
.cta-final h2 { color: var(--navy); font-size: clamp(1.9rem, 3vw, 2.7rem); }
.cta-final p { color: var(--ink-2); font-size: 1.1rem; margin-bottom: 26px; }
.footer { background: var(--navy); color: var(--on-navy-muted); font-size: .85rem; padding: 36px 0; text-align: center; }
.footer strong { color: #fff; }
.footer a { color: var(--on-navy); }

/* ---------- Modal ---------- */
.modal { position: fixed; inset: 0; background: rgba(14,42,71,.75); display: grid; place-items: center; z-index: 100; padding: 20px; }
.modal[hidden] { display: none; }
.modal__box { background: #fff; color: var(--ink); border-radius: var(--radius); padding: 34px; max-width: 440px; width: 100%; text-align: center; display: grid; gap: 12px; }
.modal__icon { width: 56px; height: 56px; border-radius: 50%; background: var(--emerald-soft); color: var(--emerald); display: grid; place-items: center; margin: 0 auto 4px; }
.modal__box h3 { font-family: var(--serif); color: var(--navy); font-size: 1.5rem; }
.modal__box .btn--ghost { color: var(--ink-2); border-color: var(--line); }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero__grid, .form-section__grid { grid-template-columns: 1fr; gap: 36px; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .cross { grid-template-columns: 1fr; }
  .cross .btn { width: 100%; white-space: normal; }
}
@media (max-width: 600px) {
  .hero { padding: 40px 0 52px; }
  .section { padding: 56px 0; }
  .grid-3, .steps, .form__row--2 { grid-template-columns: 1fr; }
  .strip__inner { grid-template-columns: 1fr 1fr; }
  .card { padding: 22px; }
  .btn--lg { width: 100%; }
  .nav__link { display: none; }
}

/* ---------- Seguro ---------- */
.insurance { background: var(--paper); }
.insurance__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.insurance__copy h2 { color: var(--navy); font-size: clamp(1.8rem, 3vw, 2.5rem); }
.insurance__cards { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.section__kicker--left { text-align: left; }
.field__hint { grid-column: 1 / -1; font-size: .78rem; color: var(--emerald-2); font-weight: 600; margin-top: -6px; }
.consent--opt { background: var(--emerald-soft); border: 1px solid #cfe7db; border-radius: var(--radius-sm); padding: 12px 14px; color: var(--ink); }
.consent--opt strong { color: var(--emerald-2); }
@media (max-width: 900px) { .insurance__grid { grid-template-columns: 1fr; gap: 32px; } }
@media (max-width: 600px) { .insurance__cards { grid-template-columns: 1fr; } }

/* ---------- Notas legales ---------- */
.legal { background: var(--paper-2); border-top: 1px solid var(--line); padding: 22px 0; }
.legal__box { font-size: .78rem; color: var(--ink-3); }
.legal__box summary { cursor: pointer; list-style: none; display: flex; align-items: center; gap: 10px; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; font-size: .72rem; color: var(--ink-2); }
.legal__box summary::-webkit-details-marker { display: none; }
.legal__toggle { border: 1px solid var(--line); border-radius: 999px; padding: 2px 10px; text-transform: none; letter-spacing: 0; font-weight: 600; color: var(--ink-2); background: var(--paper); }
.legal__box[open] .legal__toggle::before { content: "Ocultar"; }
.legal__box:not([open]) .legal__toggle::before { content: "Ver"; }
.legal__toggle { font-size: 0; }
.legal__toggle::before { font-size: .72rem; }
.legal__body { margin-top: 14px; columns: 2; column-gap: 40px; line-height: 1.55; }
.legal__body p { margin: 0 0 10px; break-inside: avoid; }
.legal__body strong { color: var(--ink-2); }
@media (max-width: 800px) { .legal__body { columns: 1; } }

/* ---------- Extras plataformas ---------- */
.cross__btns { display: flex; gap: 12px; flex-wrap: wrap; }
.btn--outline-light { color: #fff; border-color: rgba(255,255,255,.5); }
.btn--outline-light:hover { background: rgba(255,255,255,.1); border-color: #fff; color: #fff; }
.compare { background: var(--paper-2); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px; margin: 0 0 18px; }
.compare__title { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--ink-2); margin-bottom: 8px; }
.compare__row { display: flex; justify-content: space-between; gap: 12px; font-size: .95rem; padding: 6px 0; border-top: 1px solid var(--line); }
.compare__row:first-of-type { border-top: 0; }
.compare__row strong { font-variant-numeric: tabular-nums; }
.compare__row--win { color: var(--emerald-2); font-weight: 700; }
.logos { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-top: -10px; }
.logos span { border: 1px solid var(--line); background: var(--paper); border-radius: 999px; padding: 8px 18px; font-weight: 700; color: var(--ink-2); font-size: .95rem; }
@media (max-width: 900px) { .cross__btns .btn { width: 100%; } }


/* ---------- Header (móvil) ---------- */
@media (max-width: 760px) {
  .header__inner { height: 66px; }
  .logo { font-size: 1.5rem; }
  .logo__mark { height: 34px; font-size: .82rem; padding: 0 8px; }
  .header .btn--ghost { display: inline-flex; padding: 8px 14px; font-size: .85rem; }
}

/* ---------- Barra de líneas de crédito ---------- */
.lines { background: var(--paper); border-bottom: 1px solid var(--line); }
.lines__inner { display: flex; align-items: center; gap: 22px; padding-top: 14px; padding-bottom: 14px; }
.lines__label { font-family: var(--serif); font-size: 1.05rem; font-weight: 600; color: var(--navy); white-space: nowrap; padding-right: 22px; border-right: 1px solid var(--line); }
.lines__nav { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; flex: 1; }
.line { position: relative; display: flex; align-items: center; gap: 12px; padding: 12px 16px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper); text-decoration: none; color: var(--ink); transition: border-color .15s, box-shadow .15s, transform .15s, background .15s; overflow: hidden; }
.line::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px; background: var(--emerald); transform: scaleX(0); transform-origin: left; transition: transform .2s; }
.line:hover { border-color: var(--navy); box-shadow: var(--shadow-sm); transform: translateY(-1px); }
.line__icon { flex: none; width: 42px; height: 42px; border-radius: 50%; background: var(--paper-3); color: var(--navy); display: grid; place-items: center; transition: background .15s, color .15s; }
.line__text { display: grid; gap: 1px; min-width: 0; }
.line__title { font-weight: 700; font-size: .95rem; color: var(--navy); line-height: 1.2; }
.line__sub { font-size: .76rem; color: var(--ink-3); line-height: 1.25; }
.line.is-active { background: var(--navy); border-color: var(--navy); box-shadow: var(--shadow-sm); }
.line.is-active::after { transform: scaleX(1); }
.line.is-active .line__icon { background: var(--emerald); color: #fff; }
.line.is-active .line__title { color: #fff; }
.line.is-active .line__sub { color: var(--on-navy-muted); }
.line.is-active:hover { transform: none; }
@media (max-width: 1000px) {
  .lines__inner { flex-direction: column; align-items: stretch; gap: 10px; }
  .lines__label { border-right: 0; padding-right: 0; font-size: .78rem; font-family: var(--sans); font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--ink-2); }
}
@media (max-width: 640px) {
  .lines__nav { gap: 8px; }
  .line { flex-direction: column; text-align: center; gap: 8px; padding: 12px 8px; }
  .line__icon { width: 38px; height: 38px; }
  .line__title { font-size: .8rem; }
  .line__sub { display: none; }
}

/* ---------- Logo: subtítulo de grupo ---------- */
.logo__text { display: grid; line-height: 1; gap: 3px; }
.logo__sub { font-family: var(--sans); font-size: .68rem; font-weight: 600; color: var(--ink-3); letter-spacing: .04em; text-transform: uppercase; white-space: nowrap; }
.header .btn { white-space: nowrap; }
@media (max-width: 760px) { .header__inner { gap: 10px; } .logo { font-size: 1.25rem; gap: .45rem; } .logo__sub { font-size: .52rem; letter-spacing: .01em; } .header .btn--sm { padding: 8px 12px; font-size: .8rem; } }

/* ---------- Header: textos responsivos ---------- */
.show-sm { display: none; }
@media (max-width: 900px) { .hide-sm { display: none; } .show-sm { display: inline; } }

/* ---------- Solicitud digital ---------- */
.page-solicitud { background: var(--paper-2); }
.sol { padding: 48px 0 80px; }
.sol__wrap { max-width: 860px; }
.sol__head { text-align: center; margin-bottom: 28px; }
.sol__head h1 { color: var(--navy); font-size: clamp(1.9rem, 4vw, 2.7rem); }
.sol__head .lead { margin: 0 auto; }
.stepper { list-style: none; padding: 0; margin: 0 0 10px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; }
.stepper__item { display: flex; align-items: center; gap: 8px; font-size: .82rem; font-weight: 600; color: var(--ink-3); padding: 8px 4px; }
.stepper__item span { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--paper-3); color: var(--ink-2); font-size: .8rem; flex: none; }
.stepper__item.is-active { color: var(--navy); }
.stepper__item.is-active span { background: var(--navy); color: #fff; }
.stepper__item.is-done { color: var(--emerald-2); cursor: pointer; }
.stepper__item.is-done span { background: var(--emerald); color: #fff; }
.progress { height: 4px; background: var(--paper-3); border-radius: 2px; margin-bottom: 22px; overflow: hidden; }
.progress__bar { height: 100%; background: var(--emerald); width: 0; transition: width .3s; }
.sol__form { padding: 32px; }
.fstep { border: 0; padding: 0; margin: 0; display: none; }
.fstep.is-active { display: grid; gap: 14px; text-align: left; }
.fstep__title { font-family: var(--serif); font-size: 1.4rem; color: var(--navy); font-weight: 600; padding: 0; margin-bottom: 4px; }
.fstep__hint { font-size: .9rem; color: var(--ink-2); margin: 0; }
.fstep__nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 22px; }
.fstep__nav .btn--navy, .fstep__nav .btn--primary { margin-left: auto; }
.fstep__nav .btn--ghost { color: var(--ink-2); border-color: var(--line); }
.sol__secure { display: flex; align-items: center; gap: 8px; margin-top: 16px; }
.sol__secure .ico { width: 18px; height: 18px; flex: none; color: var(--emerald); }
.upload { position: relative; }
.upload input[type=file] { position: absolute; width: 1px; height: 1px; opacity: 0; overflow: hidden; }
.upload__box { display: grid; justify-items: center; text-align: center; gap: 6px; padding: 22px 16px; border: 2px dashed var(--line); border-radius: var(--radius); background: var(--paper-2); cursor: pointer; color: var(--ink-2); transition: border-color .15s, background .15s; }
.upload__box:hover { border-color: var(--navy); background: var(--paper-3); }
.upload__box .ico { color: var(--navy); }
.upload__box strong { color: var(--navy); font-size: .95rem; }
.upload__box span { font-size: .8rem; }
.upload__box--wide { padding: 18px 16px; }
.upload__preview { display: grid; grid-template-columns: 72px 1fr auto; align-items: center; gap: 12px; border: 1.5px solid var(--emerald); background: var(--emerald-soft); border-radius: var(--radius); padding: 10px 12px; }
.upload__preview img { width: 72px; height: 52px; object-fit: cover; border-radius: 6px; background: #fff; }
.upload__preview img[hidden] { display: none; }
.upload__name { font-size: .82rem; color: var(--ink-2); word-break: break-all; }
.upload__remove { background: none; border: 1px solid var(--emerald); color: var(--emerald-2); border-radius: 999px; padding: 5px 12px; font: inherit; font-size: .8rem; font-weight: 600; cursor: pointer; }
.upload input:focus-visible + .upload__box { outline: 3px solid rgba(14,42,71,.25); }
@media (max-width: 640px) {
  .sol { padding: 28px 0 60px; }
  .sol__form { padding: 20px; }
  .stepper { grid-template-columns: repeat(4, 1fr); }
  .stepper__item { flex-direction: column; text-align: center; font-size: .68rem; gap: 4px; }
  .fstep__nav { flex-wrap: wrap; }
  .fstep__nav .btn { flex: 1; }
}

/* ---------- Eslogan ---------- */
.slogan { font-family: var(--serif); font-style: italic; font-size: 1.15rem; color: var(--emerald-2); margin: -6px 0 22px; }
.footer__slogan { font-family: var(--serif); font-style: italic; font-size: 1.05rem; color: #fff; margin-top: 8px; }
.sol__head .slogan { margin: 0 0 10px; }

/* ---------- Lectura de cédula ---------- */
.ocr-status { display: flex; align-items: center; gap: 12px; background: var(--emerald-soft); border: 1px solid #cfe7db; color: var(--emerald-2); border-radius: var(--radius-sm); padding: 12px 14px; font-weight: 600; font-size: .92rem; }
.ocr-status__spinner { width: 18px; height: 18px; border: 2.5px solid #cfe7db; border-top-color: var(--emerald); border-radius: 50%; animation: spin .8s linear infinite; flex: none; }
@keyframes spin { to { transform: rotate(360deg); } }
.ocr-banner { display: flex; gap: 12px; align-items: flex-start; background: var(--emerald-soft); border: 1px solid #cfe7db; border-radius: var(--radius-sm); padding: 12px 14px; font-size: .9rem; color: var(--ink-2); }
.ocr-banner .ico { flex: none; width: 22px; height: 22px; color: var(--emerald); margin-top: 1px; }
.ocr-banner strong { color: var(--emerald-2); }
.ocr-banner--warn { background: #fff7e6; border-color: #f2dcae; }
.ocr-banner--warn .ico, .ocr-banner--warn strong { color: #9a6700; }
.input.is-prefilled input, .input.is-prefilled select { border-color: var(--emerald); background: #f6fbf8; }
.input.is-prefilled > span::after { content: " · leído de tu cédula"; color: var(--emerald-2); font-weight: 600; font-size: .75rem; }

/* ---------- Toggle ---------- */
.toggle { display: flex; align-items: center; gap: 14px; cursor: pointer; padding: 12px 14px; border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--paper); }
.toggle input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.toggle__switch { flex: none; width: 46px; height: 26px; border-radius: 999px; background: var(--line); position: relative; transition: background .2s; }
.toggle__switch::after { content: ""; position: absolute; top: 3px; left: 3px; width: 20px; height: 20px; border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0,0,0,.25); transition: transform .2s; }
.toggle input:checked + .toggle__switch { background: var(--navy); }
.toggle input:checked + .toggle__switch::after { transform: translateX(20px); }
.toggle input:focus-visible + .toggle__switch { outline: 3px solid rgba(14,42,71,.25); }
.toggle__text { display: grid; gap: 2px; font-size: .92rem; color: var(--ink); }
.toggle__text strong { color: var(--navy); }
.toggle__text small { color: var(--ink-3); font-size: .8rem; }
.upload.is-optional .upload__box strong::after { content: " (opcional)"; font-weight: 500; color: var(--ink-3); }

/* ---------- Widget WhatsApp con asesor ---------- */
.wa-widget { position: fixed; right: 18px; bottom: 18px; z-index: 60; display: flex; align-items: center; gap: 14px; padding: 8px 24px 8px 8px; border-radius: 999px; background: linear-gradient(135deg, #3fbf62 0%, #25a548 100%); color: #fff; text-decoration: none; box-shadow: 0 12px 32px rgba(37,165,72,.45), 0 2px 6px rgba(0,0,0,.15); transition: transform .15s, box-shadow .15s; }
.wa-widget:hover { transform: translateY(-2px); box-shadow: 0 16px 36px rgba(37,165,72,.5), 0 2px 6px rgba(0,0,0,.15); }
.wa-widget__avatar { position: relative; flex: none; width: 72px; height: 72px; }
.wa-widget__avatar img { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; border: 3px solid #fff; display: block; background: #111; }
.wa-widget__badge { position: absolute; right: -4px; bottom: -2px; width: 30px; height: 30px; border-radius: 50%; background: #fff; color: #25a548; display: grid; place-items: center; box-shadow: 0 2px 6px rgba(0,0,0,.2); }
.wa-widget__badge .ico { width: 20px; height: 20px; }
.wa-widget__text { display: grid; gap: 1px; line-height: 1.15; }
.wa-widget__text strong { font-size: 1.15rem; font-weight: 800; letter-spacing: -.01em; }
.wa-widget__text > span { font-size: .82rem; font-weight: 600; opacity: .95; display: flex; align-items: center; gap: 6px; white-space: nowrap; }
.wa-widget__dot { width: 9px; height: 9px; border-radius: 50%; background: #fff; box-shadow: 0 0 0 3px rgba(255,255,255,.35); animation: pulse 1.8s ease-in-out infinite; }
@keyframes pulse { 0%, 100% { box-shadow: 0 0 0 3px rgba(255,255,255,.35); } 50% { box-shadow: 0 0 0 6px rgba(255,255,255,.15); } }
@media (max-width: 600px) {
  .wa-widget { right: 12px; bottom: 12px; padding: 6px 16px 6px 6px; gap: 10px; }
  .wa-widget__avatar, .wa-widget__avatar img { width: 58px; height: 58px; }
  .wa-widget__text strong { font-size: .95rem; }
  .wa-widget__text > span { font-size: .74rem; }
}

/* ---------- Comparativa ---------- */
.cmp__lead { text-align: center; color: var(--ink-2); max-width: 62ch; margin: -20px auto 28px; font-size: 1.05rem; }
.cmp { border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: var(--paper); }
.cmp__row { display: grid; grid-template-columns: 1.1fr 1fr 1.2fr; border-top: 1px solid var(--line); }
.cmp__row > div { padding: 14px 16px; font-size: .95rem; }
.cmp__head { border-top: 0; background: var(--paper-3); font-weight: 700; font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; color: var(--ink-2); }
.cmp__head .cmp__b { background: var(--navy); color: #fff; }
.cmp__k { font-weight: 600; color: var(--navy); }
.cmp__a { color: var(--ink-3); }
.cmp__b { background: var(--emerald-soft); color: var(--ink); font-weight: 600; position: relative; padding-left: 40px !important; }
.cmp__row:not(.cmp__head) .cmp__b::before { content: ""; position: absolute; left: 14px; top: 18px; width: 16px; height: 16px; border-radius: 50%; background: var(--emerald); }
.cmp__row:not(.cmp__head) .cmp__b::after { content: ""; position: absolute; left: 19px; top: 21px; width: 4px; height: 8px; border: solid #fff; border-width: 0 2px 2px 0; transform: rotate(45deg); }
.cmp__cta { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-top: 26px; }
.hero__ctas--center { justify-content: center; }
.wa-inline { display: inline-block; margin-top: 12px; font-size: .88rem; font-weight: 600; color: var(--emerald-2); text-decoration: underline; text-underline-offset: 3px; }
.faq__more { text-align: center; color: var(--ink-2); margin-top: 18px; }
.faq__more a { color: var(--emerald-2); font-weight: 700; }
@media (max-width: 640px) {
  .cmp__row { grid-template-columns: 1fr; }
  .cmp__head { display: none; }
  .cmp__row > div { padding: 10px 14px; }
  .cmp__k { background: var(--paper-3); font-size: .8rem; text-transform: uppercase; letter-spacing: .05em; padding-bottom: 6px !important; }
  .cmp__a::before { content: "Banco: "; font-weight: 600; color: var(--ink-2); }
  .cmp__b::before { top: 14px !important; }
  .cmp__b::after { top: 17px !important; }
  .cmp__cta .btn { width: 100%; }
}

.sim__note--seguro { border-top: 1px solid rgba(255,255,255,.15); margin-top: 8px; padding-top: 8px; font-size: .85rem; }

.cross--light { background: var(--paper-2); color: var(--ink); border: 1px solid var(--line); }
.cross--light h2 { color: var(--navy); }
.cross--light p { color: var(--ink-2); }

.compare__row--warn { color: #9a6700; font-weight: 700; }

/* ---------- Compacto en celular: menos scroll ---------- */
@media (max-width: 640px) {
  .section { padding: 36px 0; }
  .section__title { margin-bottom: 20px; font-size: 1.55rem; }
  .section__kicker { margin-bottom: 6px; }
  .cmp__lead { margin: -8px auto 16px; font-size: .95rem; }

  /* Tarjetas en carrusel horizontal (se desliza con el dedo) */
  .grid-3, .insurance__cards {
    display: flex; overflow-x: auto; gap: 12px; scroll-snap-type: x mandatory;
    margin: 0 -20px; padding: 2px 20px 10px; scrollbar-width: none;
  }
  .grid-3::-webkit-scrollbar, .insurance__cards::-webkit-scrollbar { display: none; }
  .grid-3 > *, .insurance__cards > * { flex: 0 0 80%; scroll-snap-align: start; }
  .feature, .tile, .quote { padding: 18px; }
  .feature__icon { width: 40px; height: 40px; margin-bottom: 10px; }
  .tile__icon { width: 42px; height: 42px; margin-bottom: 10px; }

  /* Pasos en 2 x 2 */
  .steps { grid-template-columns: 1fr 1fr; gap: 10px; }
  .step { padding: 16px 12px; }
  .step p { font-size: .85rem; }

  /* Seguro: solo el mensaje y el botón; las tarjetas en carrusel */
  .insurance__grid { gap: 18px; }
  .insurance .checks { margin-bottom: 18px; }

  /* Dolores y comparativa más apretados */
  .pains li { padding: 14px 16px; font-size: .92rem; }
  .cmp__row > div { padding: 8px 12px; font-size: .88rem; }

  /* Formulario: requisitos colapsados */
  .form-section__copy .checks { gap: 6px; font-size: .9rem; }
  .form-section__grid { gap: 20px; }

  /* Testimonios y FAQ */
  .faq { padding: 14px 16px; }
  .cta-final { padding: 44px 0; }
}
/* Pista visual de que se puede deslizar */
@media (max-width: 640px) {
  .grid-3 + .swipe-hint, .insurance__cards + .swipe-hint { display: block; }
}
.swipe-hint { display: none; text-align: center; font-size: .78rem; color: var(--ink-3); margin-top: 4px; }

/* Celular: comparativa en dos columnas y requisitos ocultos (están en la FAQ) */
@media (max-width: 640px) {
  .cmp__row { grid-template-columns: 1fr 1fr; }
  .cmp__k { grid-column: 1 / -1; padding: 8px 12px 2px !important; background: var(--paper-3); }
  .cmp__a::before { content: none; }
  .cmp__a, .cmp__b { font-size: .82rem !important; line-height: 1.3; }
  .cmp__b { padding-left: 30px !important; }
  .cmp__row:not(.cmp__head) .cmp__b::before { left: 10px; top: 12px !important; width: 14px; height: 14px; }
  .cmp__row:not(.cmp__head) .cmp__b::after { left: 15px; top: 15px !important; }
  .cmp__head { display: grid; }
  .cmp__head .cmp__k { display: none; }
  .cmp__head > div { font-size: .7rem; padding: 8px 12px; }
  .form-section__copy .req__title, .form-section__copy .checks, .form-section__copy .fineprint { display: none; }
}

/* ===== Portada corta: foto, simulador aparte y plegables ===== */
.hero__photo { margin: 0; position: relative; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 4 / 3; background: var(--paper); }
.hero__photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.hero__photo figcaption { position: absolute; left: 14px; bottom: 14px; display: flex; align-items: center; gap: 8px; background: rgba(255,255,255,.94); color: var(--navy); font-weight: 600; font-size: .9rem; padding: 8px 14px; border-radius: 999px; box-shadow: var(--shadow); }
.hero__photo figcaption .ico { width: 18px; height: 18px; color: var(--emerald-2); }
.section--sim { padding-top: 48px; padding-bottom: 48px; }
.section--sim .sim { max-width: 560px; margin: 0 auto; }
.more { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-sm); margin-bottom: 12px; }
.more summary { cursor: pointer; list-style: none; display: flex; align-items: center; gap: 14px; padding: 18px 22px; }
.more summary::-webkit-details-marker { display: none; }
.more summary::after { content: "+"; margin-left: auto; font-size: 1.5rem; color: var(--ink-3); font-weight: 300; }
.more[open] summary::after { content: "–"; }
.more summary > .ico { width: 28px; height: 28px; flex: none; color: var(--navy); }
.more summary span { display: flex; flex-direction: column; gap: 2px; }
.more summary strong { color: var(--navy); }
.more summary small { color: var(--ink-3); font-size: .88rem; }
.more__body { padding: 0 22px 22px; }
.more__body .cmp { margin: 16px 0 0; }
.more__body .btn { margin-top: 14px; }
.req summary { cursor: pointer; list-style: none; }
.req summary::-webkit-details-marker { display: none; }
.req summary::after { content: " +"; color: var(--ink-3); }
.req[open] summary::after { content: " –"; }
@media (max-width: 900px) {
  .hero { padding: 32px 0 40px; }
  .hero__grid { gap: 24px; }
  .hero__photo { order: -1; aspect-ratio: 16 / 10; }
  .hero__photo figcaption { font-size: .8rem; padding: 6px 12px; left: 10px; bottom: 10px; }
  .section--sim { padding-top: 32px; padding-bottom: 32px; }
  .more summary { padding: 16px; }
  .more__body { padding: 0 16px 16px; }
}

/* Enlace a la solicitud en línea junto a "Quiero mi pre-aprobación" */
.hero__online { display: inline-flex; align-items: center; gap: 10px; margin-top: 16px; color: var(--navy); font-size: .95rem; text-decoration: none; border-bottom: 1px dashed transparent; }
.hero__online:hover span { text-decoration: underline; }
.hero__online .ico { width: 22px; height: 22px; flex: none; color: var(--emerald-2); }
.hero__online strong { color: var(--emerald-2); }
.form-online { display: flex; align-items: center; gap: 12px; margin: 18px 0 4px; padding: 14px 16px; border-radius: var(--radius-sm); background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.25); color: #fff; text-decoration: none; font-size: .95rem; }
.form-online:hover { background: rgba(255,255,255,.16); }
.form-online .ico { width: 24px; height: 24px; flex: none; }

/* Eslogan arriba, en todas las páginas */
.topbar { background: var(--navy); color: #fff; text-align: center; padding: 6px 16px; font-family: var(--serif); font-style: italic; font-size: .95rem; letter-spacing: .01em; }
.topbar span { opacity: .95; }
@media (max-width: 760px) { .topbar { font-size: .85rem; padding: 5px 12px; } }
.form-otros { margin: 14px 0 0; font-size: .9rem; color: var(--on-navy); }
.form-otros a { color: #fff; font-weight: 600; text-decoration: underline; }
.footer__rev { font-size: .8rem; opacity: .7; }