/* ==========================================================
   Grupo Financiero Impulsa — Hoja de estilos compartida
   Paleta del ERP · Instrument Sans (texto) + Source Serif 4 (títulos)
   ========================================================== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  /* Marca */
  --green:#003c2d;        /* verde institucional */
  --teal:#004b5a;         /* teal de acentos */
  --lime:#5aaa3c;         /* verde lima del logo (solo acentos/relleno) */
  /* Neutros */
  --bg:#f7f9f7;
  --ink:#0f1f1a;
  --muted:#5f6d67;
  --soft:#e8f3e2;
  --line:#dde3df;
  --white:#fff;
  /* Compatibilidad con variables previas de las páginas */
  --surface:var(--bg);
  --text:var(--ink);
  --fd:'Source Serif 4',Georgia,'Times New Roman',serif;
  --fb:'Instrument Sans',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
  --nav:76px;--r:10px;--r2:14px;--r3:20px;
  --shadow:0 1px 2px rgba(15,31,26,.05),0 4px 16px rgba(15,31,26,.05);
  --shadow2:0 2px 4px rgba(15,31,26,.05),0 12px 32px rgba(15,31,26,.08);
  --focus:0 0 0 3px #fff,0 0 0 5px var(--teal);
}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--nav) + 12px)}
body{font-family:var(--fb);background:var(--bg);color:var(--ink);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
a{text-decoration:none;color:inherit}ul{list-style:none}
button{font-family:var(--fb);cursor:pointer;border:none;background:none;color:inherit}
input,select,textarea{font-family:var(--fb)}
img{max-width:100%}
::selection{background:var(--soft);color:var(--green)}
:focus-visible{outline:none;box-shadow:var(--focus);border-radius:6px}
.skip{position:absolute;left:16px;top:-60px;z-index:300;background:var(--green);color:#fff;padding:10px 18px;border-radius:var(--r);font-weight:600;font-size:.9rem;transition:top .15s}
.skip:focus{top:12px}
.wrap{width:100%;max-width:1180px;margin:0 auto;padding:0 32px}
.ico{width:1.15em;height:1.15em;fill:none;stroke:currentColor;stroke-width:1.75;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0;vertical-align:-.2em}

/* ---------- Botones ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 26px;border-radius:var(--r);font-weight:600;font-size:.92rem;cursor:pointer;transition:background .2s,border-color .2s,color .2s,box-shadow .2s,transform .2s;border:1.5px solid transparent;white-space:nowrap;line-height:1.2}
.btn-p,.btn-g{background:var(--green);color:#fff;border-color:var(--green)}
.btn-p:hover,.btn-g:hover{background:var(--teal);border-color:var(--teal);box-shadow:0 8px 20px rgba(0,60,45,.22);transform:translateY(-1px)}
.btn-o{background:transparent;color:var(--green);border-color:var(--green)}
.btn-o:hover{background:var(--green);color:#fff}
.btn-lg{padding:16px 32px;font-size:1rem}
.btn-sm{padding:10px 18px;font-size:.85rem}
.btn-full{width:100%}
.btn[disabled]{opacity:.6;cursor:not-allowed;transform:none;box-shadow:none}

/* ---------- Navegación ---------- */
#nav{position:fixed;top:0;left:0;right:0;z-index:100;height:var(--nav);background:rgba(255,255,255,.94);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line);transition:box-shadow .25s}
#nav.solid{box-shadow:0 2px 18px rgba(15,31,26,.08)}
.nav-in{height:100%;display:flex;align-items:center;gap:28px}
.logo{display:flex;align-items:center;flex-shrink:0}
.logo img{height:52px;width:auto;mix-blend-mode:multiply}
.logo-text{font-family:var(--fd);font-weight:600;color:var(--green);font-size:1rem;margin-left:14px;padding-left:14px;border-left:1px solid var(--line);display:none}
@media(min-width:900px){.logo-text{display:block}}
.nav-links{display:flex;align-items:center;gap:30px;margin-left:auto}
.nav-links a{position:relative;font-size:.9rem;font-weight:500;color:var(--muted);transition:color .2s;padding:6px 0}
.nav-links a::after{content:'';position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--lime);transform:scaleX(0);transform-origin:left;transition:transform .25s}
.nav-links a:hover,.nav-links a.active{color:var(--green)}
.nav-links a:hover::after,.nav-links a.active::after{transform:scaleX(1)}
.nav-actions{display:flex;align-items:center;gap:10px;flex-shrink:0}
.nav-back{margin-left:auto;display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border-radius:var(--r);font-size:.85rem;font-weight:600;color:var(--green);border:1.5px solid var(--line);transition:all .2s}
.nav-back:hover{border-color:var(--green);background:var(--soft)}
.burger{display:none;flex-direction:column;gap:5px;padding:10px;margin-left:auto;border-radius:var(--r)}
.burger span{display:block;width:22px;height:2px;background:var(--green);border-radius:2px;transition:transform .25s,opacity .25s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mob-menu{display:none;position:fixed;inset:var(--nav) 0 0 0;background:#fff;z-index:99;padding:24px 24px 32px;flex-direction:column;gap:2px;overflow-y:auto;border-top:1px solid var(--line)}
.mob-menu.open{display:flex}
.mob-menu a:not(.btn){font-family:var(--fd);font-size:1.3rem;font-weight:600;color:var(--green);padding:16px 0;border-bottom:1px solid var(--line)}
.mob-menu .btn{margin-top:14px;width:100%}

/* ---------- Tipografía de sección ---------- */
.ey{display:inline-flex;align-items:center;gap:10px;font-size:.74rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin-bottom:14px}
.ey::before{content:'';width:22px;height:2px;background:var(--lime);border-radius:2px}
.center .ey::before{display:none}
.st{font-family:var(--fd);font-size:clamp(1.9rem,3.4vw,2.7rem);font-weight:600;line-height:1.15;letter-spacing:-.015em;color:var(--green)}
.lead{font-size:1.04rem;color:var(--muted);line-height:1.75}
.sec{padding:96px 0}
.center{text-align:center}
.sec-head{max-width:620px;margin:0 auto 56px;text-align:center}
.sec-head .lead{margin-top:14px}

/* ---------- Animaciones de entrada ---------- */
.js .anim{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.js .anim.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.js .anim{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}*{animation:none!important}}

/* ---------- Hero ---------- */
#inicio{position:relative;padding-top:var(--nav);background:linear-gradient(180deg,var(--soft) 0%,var(--bg) 100%);overflow:hidden;border-bottom:1px solid var(--line)}
#inicio::before{content:'';position:absolute;right:-12%;top:-30%;width:760px;height:760px;border-radius:50%;background:radial-gradient(circle,rgba(90,170,60,.16) 0%,transparent 68%);pointer-events:none}
.hero-inner{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:72px;align-items:center;padding:88px 0 96px}
.hero-badge{display:inline-flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:99px;padding:7px 16px;font-size:.76rem;font-weight:600;letter-spacing:.04em;color:var(--teal);margin-bottom:28px}
.badge-dot{width:7px;height:7px;border-radius:50%;background:var(--lime)}
h1{font-family:var(--fd);font-size:clamp(2.6rem,5vw,4.3rem);font-weight:600;line-height:1.06;letter-spacing:-.02em;color:var(--green);margin-bottom:22px}
h1 em{font-style:italic;font-weight:500;color:var(--teal)}
.hero-sub{font-size:1.12rem;color:var(--muted);line-height:1.7;max-width:480px;margin-bottom:36px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:48px}
.hero-stats{display:flex;align-items:stretch;gap:0;padding-top:28px;border-top:1px solid var(--line)}
.hero-stats>div:not(.hs-div){padding-right:32px}
.hs-num{font-family:var(--fd);font-size:2rem;font-weight:600;color:var(--green);line-height:1}
.hs-lbl{font-size:.74rem;color:var(--muted);text-transform:uppercase;letter-spacing:.07em;margin-top:6px}
.hs-div{width:1px;background:var(--line);margin-right:32px}

/* Tarjetas ilustrativas */
.hero-visual{position:relative;height:470px}
.fc{position:absolute;background:#fff;border:1px solid var(--line);border-radius:var(--r3);padding:24px 26px;box-shadow:var(--shadow2)}
.fc1{top:0;right:0;width:310px}
.fc2{top:262px;left:0;width:250px}
.fc3{top:296px;right:0;width:240px;padding:12px 22px}
.fc-label{font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;margin-bottom:8px;font-weight:600}
.fc-amount{font-family:var(--fd);font-size:2.1rem;font-weight:600;color:var(--green);margin-bottom:4px;line-height:1.1}
.fc-sub{font-size:.84rem;color:var(--muted);margin-bottom:18px}
.fc-bar{height:6px;background:var(--soft);border-radius:3px;margin-bottom:8px;overflow:hidden}
.fc-fill-g{height:100%;background:var(--lime);border-radius:3px}
.fc-pct{font-size:.76rem;color:var(--teal);font-weight:600}
.fc-tag{display:inline-flex;align-items:center;gap:7px;background:var(--soft);border-radius:99px;padding:4px 11px;font-size:.7rem;font-weight:700;color:var(--green);margin-bottom:14px;letter-spacing:.02em}
.fc-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid var(--line);font-size:.84rem}
.fc-row:last-child{border-bottom:none}
.fc-row span:first-child{color:var(--muted)}
.fc-row span.g{color:var(--green);font-weight:600}
.fc-note{position:absolute;left:0;bottom:0;font-size:.72rem;color:var(--muted);font-style:italic}

/* ---------- Productos ---------- */
#productos{background:#fff}
.prod-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.prod-card{display:flex;flex-direction:column;background:var(--bg);padding:40px 40px 36px;position:relative;border-radius:var(--r3);border:1px solid var(--line);transition:border-color .25s,box-shadow .25s,transform .25s}
.prod-card::before{content:'';position:absolute;left:40px;top:-1px;width:56px;height:3px;background:var(--lime);border-radius:0 0 3px 3px}
.prod-card:hover{border-color:var(--green);box-shadow:var(--shadow2);transform:translateY(-3px)}
.prod-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:24px}
.prod-icon{width:52px;height:52px;border-radius:14px;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.5rem}
.prod-tag-b,.prod-tag-g{display:inline-block;padding:5px 13px;background:#fff;border:1px solid var(--line);border-radius:99px;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal)}
.prod-card h3{font-family:var(--fd);font-size:1.65rem;font-weight:600;color:var(--green);line-height:1.2;margin-bottom:12px;letter-spacing:-.01em}
.prod-card>p{font-size:.95rem;color:var(--muted);line-height:1.7;margin-bottom:24px}
.prod-list{display:flex;flex-direction:column;gap:11px;margin-bottom:32px;flex:1}
.prod-list li{display:flex;align-items:flex-start;gap:12px;font-size:.92rem;color:var(--ink)}
.ck{width:20px;height:20px;flex-shrink:0;border-radius:50%;background:var(--soft);color:var(--green);display:inline-flex;align-items:center;justify-content:center;font-size:.8rem;margin-top:2px}
.ck .ico{width:12px;height:12px;stroke-width:2.6}
.prod-card .btn{align-self:flex-start}

/* ---------- Por qué ---------- */
#porque{background:var(--bg)}
.pq-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.pq-item{background:#fff;padding:32px 30px;border-radius:var(--r2);border:1px solid var(--line);transition:border-color .25s,box-shadow .25s}
.pq-item:hover{border-color:var(--lime);box-shadow:var(--shadow)}
.pq-n{font-family:var(--fd);font-size:2.4rem;font-weight:600;color:var(--lime);line-height:1;margin-bottom:18px}
.pq-item h4{font-family:var(--fd);font-size:1.18rem;font-weight:600;color:var(--green);margin-bottom:10px}
.pq-item p{font-size:.92rem;color:var(--muted);line-height:1.7}

/* ---------- Nosotros ---------- */
#nosotros{background:#fff}
.nos-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:80px;align-items:center}
.nos-text .st{margin-bottom:22px}
.nos-text p{font-size:1rem;color:var(--muted);line-height:1.8;margin-bottom:16px}
.pilares{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:28px}
.pilar{padding:20px 18px;background:var(--bg);border:1px solid var(--line);border-radius:var(--r);border-top:3px solid var(--lime)}
.pilar strong{display:block;font-family:var(--fd);font-size:1.02rem;font-weight:600;color:var(--green);margin-bottom:6px}
.pilar p{font-size:.84rem;color:var(--muted);line-height:1.55;margin:0}
.sofom-badge{background:var(--bg);border:1px solid var(--line);border-radius:var(--r3);padding:32px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.badge-logo{height:84px;width:auto;mix-blend-mode:multiply}
.nos-items{display:flex;flex-direction:column;gap:10px}
.nos-item{display:flex;align-items:center;gap:14px;padding:15px 18px;background:#fff;border:1px solid var(--line);border-radius:var(--r);font-size:.94rem;color:var(--ink);font-weight:500}

/* ---------- Solicitud ---------- */
#solicitud{background:var(--soft);border-top:1px solid var(--line)}
.sol-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:80px;align-items:start}
.sol-trust{display:flex;flex-direction:column;gap:14px;margin-top:32px}
.trust-row{display:flex;align-items:center;gap:14px;font-size:.96rem;color:var(--ink);font-weight:500}
.trust-icon-b,.trust-icon-g{width:24px;height:24px;flex-shrink:0;background:var(--green);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff}
.trust-icon-b .ico,.trust-icon-g .ico{width:12px;height:12px;stroke-width:2.8}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r3);padding:40px;box-shadow:var(--shadow2)}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fg{display:flex;flex-direction:column;gap:7px;margin-bottom:16px}
.fg label{font-size:.82rem;font-weight:600;color:var(--green);letter-spacing:.01em}
.fg input,.fg select,.fg textarea{padding:13px 15px;background:var(--bg);border:1.5px solid var(--line);border-radius:var(--r);color:var(--ink);font-size:.95rem;outline:none;transition:border-color .2s,box-shadow .2s,background .2s;width:100%}
.fg input:hover,.fg select:hover,.fg textarea:hover{border-color:#c4cdc8}
.fg input:focus,.fg select:focus,.fg textarea:focus{border-color:var(--teal);background:#fff;box-shadow:0 0 0 3px rgba(0,75,90,.14)}
.fg input::placeholder,.fg textarea::placeholder{color:#8a968f}
.fg textarea{resize:vertical}
.fg.err input,.fg.err select{border-color:#b3261e}
.form-error{display:none;background:#fdecea;color:#8c1d18;border:1px solid #f3c1bd;border-radius:var(--r);padding:11px 14px;font-size:.88rem;margin-bottom:14px}
.form-error.show{display:block}
.form-note{font-size:.78rem;color:var(--muted);text-align:center;margin-top:12px}
.success-box{text-align:center;padding:48px 0}
.success-icon{width:64px;height:64px;border-radius:50%;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.7rem;margin:0 auto 20px}
.success-box h3{font-family:var(--fd);font-size:1.5rem;font-weight:600;color:var(--green);margin-bottom:10px}
.success-box p{color:var(--muted)}

/* ---------- Contacto ---------- */
#contacto{background:#fff}
.con-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.con-card{display:flex;flex-direction:column;gap:10px;padding:32px 28px;background:var(--bg);border:1px solid var(--line);border-radius:var(--r2);transition:border-color .25s,box-shadow .25s,transform .25s}
a.con-card:hover{border-color:var(--green);box-shadow:var(--shadow);transform:translateY(-3px)}
.con-icon{width:48px;height:48px;border-radius:12px;background:var(--soft);color:var(--green);display:flex;align-items:center;justify-content:center;font-size:1.35rem;margin-bottom:8px}
.con-card h4{font-family:var(--fd);font-size:1.15rem;font-weight:600;color:var(--green)}
.con-card p{font-size:.92rem;color:var(--muted);line-height:1.6}
.con-card p strong{color:var(--ink)}
.con-action-b,.con-action-g{font-size:.88rem;color:var(--teal);font-weight:600;margin-top:auto;padding-top:8px;overflow-wrap:anywhere}
.con-card .con-muted{color:var(--muted)}

/* ---------- Pie / información regulatoria ---------- */
footer{background:var(--green);color:#fff;padding:64px 0 32px}
.footer-top{display:grid;grid-template-columns:1.1fr 2.5fr;gap:56px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.14);margin-bottom:36px}
.footer-logo{display:inline-block;background:#fff;border-radius:var(--r);padding:10px 16px}
.footer-logo img{height:44px;width:auto;display:block;mix-blend-mode:multiply}
.footer-brand p{font-size:.92rem;color:rgba(255,255,255,.78);max-width:290px;line-height:1.65;margin-top:18px}
.footer-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:32px}
.fcol h5{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--lime);margin-bottom:16px}
.fcol ul{display:flex;flex-direction:column;gap:11px}
.fcol a{font-size:.92rem;color:rgba(255,255,255,.82);transition:color .2s}
.fcol a:hover{color:#fff;text-decoration:underline;text-underline-offset:3px}
.reg-title{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--lime);margin-bottom:20px}
.reg-grid{display:grid;grid-template-columns:1fr;gap:32px;padding:30px 32px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r2);margin-bottom:20px}
.reg-col h5,.buro-head h5{font-size:.76rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:#fff;margin-bottom:14px;line-height:1.55}
.buro-head h5{margin-bottom:0}
.reg-col p{font-size:.86rem;color:rgba(255,255,255,.82);line-height:1.75;margin-bottom:4px}
.reg-col a,.buro-box a{color:#b9e5a6;text-decoration:underline;text-underline-offset:3px;text-decoration-color:rgba(185,229,166,.45)}
.reg-col a:hover,.buro-box a:hover{color:#fff;text-decoration-color:#fff}
.reg-logo{height:64px;width:auto;margin-bottom:16px;display:block}
.buro-box{padding:30px 32px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r2);margin-bottom:28px}
.buro-head{display:flex;align-items:center;gap:16px;margin-bottom:18px}
.buro-logo{height:52px;width:auto;background:#fff;border-radius:8px;padding:6px 10px}
.buro-box p{font-size:.84rem;color:rgba(255,255,255,.8);line-height:1.75;margin-bottom:10px}
.buro-box p:last-child{margin-bottom:0}
.buro-leyenda{color:rgba(255,255,255,.92)!important;font-style:italic}
.footer-bottom{text-align:center;padding-top:8px}
.footer-bottom .aviso-link{display:inline-block;font-size:.9rem;font-weight:600;color:#fff;text-decoration:underline;text-underline-offset:4px;text-decoration-color:var(--lime);margin-bottom:14px}
.footer-bottom .aviso-link:hover{color:#b9e5a6}
footer .copy{font-size:.84rem;color:rgba(255,255,255,.82)}
.legal{font-size:.78rem;color:rgba(255,255,255,.66);line-height:1.7;margin:10px auto 0;max-width:820px}

/* ==========================================================
   Páginas de producto
   ========================================================== */
.p-hero{padding:calc(var(--nav) + 56px) 0 64px;background:linear-gradient(180deg,var(--soft) 0%,var(--bg) 100%);border-bottom:1px solid var(--line)}
.crumb{font-size:.84rem;color:var(--muted);margin-bottom:24px;display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.crumb a{color:var(--teal);font-weight:600}
.crumb a:hover{text-decoration:underline}
.p-tag{display:inline-block;padding:5px 14px;background:#fff;border:1px solid var(--line);border-radius:99px;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal);margin-bottom:20px}
.p-title{display:flex;align-items:center;gap:20px;margin-bottom:18px}
.p-title .prod-icon{width:60px;height:60px;font-size:1.7rem;flex-shrink:0}
.p-hero h1{font-size:clamp(2rem,4vw,3.1rem);margin-bottom:0;line-height:1.12}
.p-hero .sub{font-size:1.06rem;color:var(--muted);line-height:1.75;max-width:680px}
.p-wrap{max-width:1100px}
.sec.p-sec{padding:72px 0}

.ficha{background:#fff;border:1px solid var(--line);border-radius:var(--r3);box-shadow:var(--shadow2);overflow:hidden}
.ficha-head{padding:24px 36px;background:var(--green);color:#fff;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;border-bottom:3px solid var(--lime)}
.ficha-head h3{font-family:var(--fd);font-size:1.25rem;font-weight:600}
.ficha-head span{font-size:.8rem;opacity:.88}
table.tasas{width:100%;border-collapse:collapse}
table.tasas td{padding:18px 36px;font-size:.98rem;border-bottom:1px solid var(--line)}
table.tasas tr td:first-child{color:var(--muted)}
table.tasas tr td:last-child{text-align:right;font-weight:600;font-family:var(--fd);font-size:1.12rem;color:var(--green)}
table.tasas tr.cat-row{background:var(--soft)}
table.tasas tr.cat-row td{border-bottom:none;padding:24px 36px}
table.tasas tr.cat-row td:first-child{font-weight:700;color:var(--green)}
.cat-val{font-size:1.8rem!important;color:var(--green)!important}
.cat-val small{font-family:var(--fb);font-size:.76rem;font-weight:600;color:var(--muted);margin-left:8px;text-transform:uppercase;letter-spacing:.05em}
.ficha-foot{padding:16px 36px 22px;background:var(--bg);font-size:.78rem;color:var(--muted);line-height:1.7;border-top:1px solid var(--line)}
.cat-plazos{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:14px;margin-top:22px}
.cp{background:#fff;border:1px solid var(--line);border-radius:var(--r2);padding:20px;text-align:center;box-shadow:var(--shadow)}
.cp .pl{font-size:.74rem;color:var(--muted);text-transform:uppercase;letter-spacing:.07em;margin-bottom:8px;font-weight:600}
.cp .va{font-family:var(--fd);font-size:1.6rem;font-weight:600;color:var(--green)}
.cp .iv{font-size:.68rem;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin-top:2px}

.ben-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px}
.ben{display:flex;gap:14px;align-items:flex-start;background:var(--bg);border:1px solid var(--line);border-radius:var(--r2);padding:22px}
.ben p{font-size:.94rem;color:var(--ink);line-height:1.6}

.req-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.req-card{background:#fff;border:1px solid var(--line);border-radius:var(--r2);padding:32px;box-shadow:var(--shadow)}
.req-card h4{font-family:var(--fd);font-size:1.2rem;font-weight:600;color:var(--green);margin-bottom:18px;display:flex;align-items:center;gap:12px}
.req-card h4 .ic{width:38px;height:38px;border-radius:10px;background:var(--soft);color:var(--green);display:flex;align-items:center;justify-content:center;font-size:1.15rem;flex-shrink:0}
.req-card li{display:flex;gap:12px;align-items:flex-start;font-size:.92rem;color:var(--ink);padding:10px 0;border-bottom:1px solid var(--line)}
.req-card li:last-child{border-bottom:none}
.req-card li::before{content:'';flex-shrink:0;width:18px;height:18px;margin-top:2px;border-radius:50%;background:var(--soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23003c2d' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/10px no-repeat}

.leyendas{background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:var(--r2);padding:26px 30px}
.leyendas h5{font-size:.74rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.leyendas p{font-size:.92rem;color:var(--ink);line-height:1.7;margin-bottom:8px}
.leyendas p:last-child{margin-bottom:0}

.cta-box{background:var(--green);border-radius:var(--r3);padding:60px 44px;text-align:center;color:#fff;position:relative;overflow:hidden}
.cta-box::after{content:'';position:absolute;right:-80px;bottom:-120px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(90,170,60,.35),transparent 70%)}
.cta-box>*{position:relative;z-index:1}
.cta-box h2{font-family:var(--fd);font-size:clamp(1.7rem,3vw,2.3rem);font-weight:600;margin-bottom:12px}
.cta-box p{color:rgba(255,255,255,.84);margin-bottom:28px;font-size:1rem}
.cta-box .btn{background:#fff;color:var(--green);border-color:#fff}
.cta-box .btn:hover{background:var(--soft);border-color:var(--soft);box-shadow:0 10px 26px rgba(0,0,0,.25)}

/* ==========================================================
   Portal de clientes (acceso existente)
   ========================================================== */
.portal-body{display:flex;flex-direction:column;min-height:100vh}
.portal-body #nav{position:sticky}
.hero{padding:72px 32px 24px;background:linear-gradient(180deg,var(--soft) 0%,var(--bg) 100%)}
.hero-inner.portal{display:block;max-width:780px;margin:0 auto;text-align:center;padding:0;gap:0}
.hero h1{font-size:clamp(2.1rem,4vw,3.1rem);margin-bottom:18px}
.hero p{color:var(--muted);font-size:1.06rem;line-height:1.7;max-width:600px;margin:0 auto}
.cards-wrap{padding:32px 32px 72px;max-width:1180px;margin:0 auto;width:100%;flex:1}
.cards-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:8px}
.portal-card{background:#fff;border:1px solid var(--line);border-radius:var(--r3);padding:40px 36px;transition:border-color .25s,box-shadow .25s,transform .25s;box-shadow:var(--shadow);position:relative;display:flex;flex-direction:column}
.portal-card::before{content:'';position:absolute;left:36px;top:-1px;width:56px;height:3px;background:var(--lime);border-radius:0 0 3px 3px}
.portal-card:hover{transform:translateY(-3px);box-shadow:var(--shadow2);border-color:var(--green)}
.portal-card-tag{display:inline-block;padding:5px 14px;background:var(--soft);border-radius:99px;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--green);margin-bottom:20px;align-self:flex-start}
.portal-card-tag.b{background:#dcecef;color:var(--teal)}
.portal-card-icon{width:60px;height:60px;border-radius:16px;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.7rem;margin-bottom:22px}
.portal-card-icon.b{background:var(--teal)}
.portal-card h3{font-family:var(--fd);font-size:1.6rem;font-weight:600;color:var(--green);line-height:1.2;margin-bottom:12px;letter-spacing:-.01em}
.portal-card>p{font-size:.96rem;color:var(--muted);line-height:1.7;margin-bottom:24px}
.portal-steps{margin-bottom:28px;flex:1}
.portal-step{display:flex;align-items:flex-start;gap:14px;padding:12px 0;border-bottom:1px solid var(--line)}
.portal-step:last-child{border-bottom:none}
.portal-step-n{width:28px;height:28px;border-radius:50%;background:var(--soft);color:var(--green);font-size:.82rem;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.portal-step-n.b{background:#dcecef;color:var(--teal)}
.portal-step-text{font-size:.92rem;color:var(--ink);line-height:1.55;padding-top:3px}
.portal-cta{display:inline-flex;align-items:center;justify-content:center;gap:8px;width:100%;padding:16px 24px;background:var(--green);color:#fff;border-radius:var(--r);font-weight:600;font-size:.98rem;transition:background .2s,box-shadow .2s,transform .2s}
.portal-cta:hover{background:var(--teal);transform:translateY(-1px);box-shadow:0 10px 24px rgba(0,60,45,.22)}
.portal-cta.b{background:var(--teal)}
.portal-cta.b:hover{background:var(--green)}
.help-banner{margin-top:32px;padding:24px 28px;background:#fff;border:1px solid var(--line);border-radius:var(--r2);display:flex;align-items:center;gap:20px;box-shadow:var(--shadow)}
.help-icon{width:50px;height:50px;border-radius:12px;background:var(--soft);color:var(--green);display:flex;align-items:center;justify-content:center;font-size:1.4rem;flex-shrink:0}
.help-text{flex:1}
.help-text strong{display:block;font-family:var(--fd);font-size:1.12rem;color:var(--green);font-weight:600;margin-bottom:3px}
.help-text p{font-size:.9rem;color:var(--muted);line-height:1.55}
.help-cta{flex-shrink:0;display:inline-flex;align-items:center;gap:8px;padding:11px 20px;border:1.5px solid var(--green);border-radius:var(--r);font-size:.88rem;font-weight:600;color:var(--green);transition:all .2s}
.help-cta:hover{background:var(--green);color:#fff}
.trust-strip{margin-top:24px;padding:24px;background:var(--soft);border-radius:var(--r2);display:grid;grid-template-columns:repeat(4,1fr);gap:18px;text-align:center}
.trust-item{display:flex;flex-direction:column;align-items:center;gap:10px}
.trust-item-icon{width:40px;height:40px;border-radius:50%;background:#fff;color:var(--green);display:flex;align-items:center;justify-content:center;font-size:1.15rem}
.trust-item-text{font-size:.84rem;color:var(--ink);font-weight:500;line-height:1.4}
.portal-footer{background:var(--green);color:rgba(255,255,255,.86);padding:36px 32px;text-align:center;font-size:.88rem}
.portal-footer p{margin-bottom:6px;line-height:1.6}
.portal-footer strong{color:#fff}
.portal-footer p.legal{color:rgba(255,255,255,.68);font-size:.78rem;max-width:800px;margin:10px auto 0;line-height:1.7}

/* ---------- Responsivo ---------- */
@media(max-width:1024px){
  .hero-inner{grid-template-columns:1fr;gap:0;padding:64px 0 72px}
  .hero-visual{display:none}
  .nos-grid,.sol-grid{grid-template-columns:1fr;gap:48px}
  .footer-top{grid-template-columns:1fr;gap:36px}
  .footer-cols{grid-template-columns:repeat(2,1fr);gap:28px}
}
@media(max-width:900px){
  .prod-grid{grid-template-columns:1fr}
  .pq-grid{grid-template-columns:1fr 1fr}
  .pilares{grid-template-columns:1fr}
  .cards-grid{grid-template-columns:1fr}
}
@media(max-width:820px){
  .nav-links,.nav-actions{display:none}
  .burger{display:flex}
}
@media(max-width:768px){
  .wrap{padding:0 20px}
  .sec{padding:68px 0}
  .sec.p-sec{padding:52px 0}
  .hero-actions{flex-direction:column}
  .hero-actions .btn{width:100%}
  .hero-stats>div:not(.hs-div){padding-right:16px}
  .hs-div{margin-right:16px}
  .hs-num{font-size:1.6rem}
  .con-grid{grid-template-columns:1fr}
  .f-row{grid-template-columns:1fr}
  .form-card{padding:28px 22px}
  .prod-card{padding:32px 26px}
  .prod-card::before{left:26px}
  .req-grid{grid-template-columns:1fr}
  table.tasas td{padding:15px 20px}
  table.tasas tr.cat-row td{padding:20px}
  .ficha-head,.ficha-foot{padding-left:20px;padding-right:20px}
  .cta-box{padding:44px 24px}
  .reg-grid,.buro-box{padding:24px 20px}
  .buro-head{flex-direction:column;align-items:flex-start}
  .help-banner{flex-direction:column;text-align:center;padding:24px}
  .trust-strip{grid-template-columns:1fr 1fr}
  .hero{padding:48px 20px 16px}
  .cards-wrap{padding:24px 20px 52px}
  .portal-card{padding:32px 24px}
  .portal-card::before{left:24px}
  .p-title{flex-direction:column;align-items:flex-start;gap:14px}
}
@media(max-width:600px){
  .pq-grid{grid-template-columns:1fr}
  .footer-cols{grid-template-columns:1fr 1fr}
}


/* ==========================================================
   Inicio con fondo animado y menú sobre el hero
   ========================================================== */
.btn-light{background:#fff;color:var(--green);border-color:#fff}
.btn-light:hover{background:var(--soft);border-color:var(--soft);box-shadow:0 10px 26px rgba(0,0,0,.3);transform:translateY(-1px)}
.btn-ghost-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.65)}
.btn-ghost-light:hover{background:rgba(255,255,255,.12);border-color:#fff}

#inicio.hero-dark{display:flex;align-items:center;min-height:min(100vh,880px);background:linear-gradient(135deg,#003c2d 0%,#00453f 55%,#004b5a 100%);border-bottom:none}
#inicio.hero-dark::before{display:none}
.hero-dark>.wrap{position:relative;z-index:2;width:100%}
.hero-dark .hero-inner{padding:calc(var(--nav) + 40px) 0 88px}
.hero-bg{position:absolute;inset:0;overflow:hidden;z-index:0}
.hero-bg::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,40,30,0) 60%,rgba(0,40,30,.45) 100%)}
.blob{position:absolute;border-radius:50%;filter:blur(70px);opacity:.55;will-change:transform}
.b1{width:620px;height:620px;left:-160px;top:-180px;background:radial-gradient(circle,#5aaa3c 0%,rgba(90,170,60,0) 68%);animation:drift1 22s ease-in-out infinite alternate}
.b2{width:720px;height:720px;right:-200px;top:-120px;background:radial-gradient(circle,#0a7a82 0%,rgba(0,75,90,0) 68%);animation:drift2 26s ease-in-out infinite alternate}
.b3{width:520px;height:520px;left:38%;bottom:-260px;background:radial-gradient(circle,#3f8f3a 0%,rgba(63,143,58,0) 68%);opacity:.4;animation:drift3 30s ease-in-out infinite alternate}
@keyframes drift1{to{transform:translate(180px,120px) scale(1.15)}}
@keyframes drift2{to{transform:translate(-220px,140px) scale(.9)}}
@keyframes drift3{to{transform:translate(-200px,-60px) scale(1.2)}}
.hero-lines{position:absolute;inset:0;width:100%;height:100%}
.ln{stroke:#5aaa3c;stroke-width:1.5;stroke-linecap:round;stroke-dasharray:6 14;opacity:.5;animation:flow 28s linear infinite}
.l2{opacity:.32;animation-duration:36s;stroke:#8ccf6f}
.l3{opacity:.2;animation-duration:44s}
@keyframes flow{to{stroke-dashoffset:-400}}

.hero-dark .hero-badge{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.22);color:#fff}
.hero-dark h1{color:#fff}
.hero-dark h1 em{color:#7cc65c}
.hero-dark .hero-sub{color:rgba(255,255,255,.84)}
.hero-dark .hero-stats{border-top-color:rgba(255,255,255,.2)}
.hero-dark .hs-num{color:#fff}
.hero-dark .hs-lbl{color:rgba(255,255,255,.72)}
.hero-dark .hs-div{background:rgba(255,255,255,.2)}
.hero-dark .fc-note{color:rgba(255,255,255,.7)}
.hero-dark .fc{box-shadow:0 18px 50px rgba(0,20,15,.35)}

/* Menú transparente sobre el hero; se vuelve blanco al bajar o al abrir el menú móvil */
.logo .logo-w{display:none}
.has-hero #nav:not(.solid):not(.open){background:transparent;backdrop-filter:none;-webkit-backdrop-filter:none;border-bottom-color:transparent}
.has-hero #nav:not(.solid):not(.open) .logo-d{display:none}
.has-hero #nav:not(.solid):not(.open) .logo-w{display:block;height:52px;width:auto}
.has-hero #nav:not(.solid):not(.open) .nav-links a{color:rgba(255,255,255,.86)}
.has-hero #nav:not(.solid):not(.open) .nav-links a:hover,.has-hero #nav:not(.solid):not(.open) .nav-links a.active{color:#fff}
.has-hero #nav:not(.solid):not(.open) .btn-o{color:#fff;border-color:rgba(255,255,255,.7)}
.has-hero #nav:not(.solid):not(.open) .btn-o:hover{background:rgba(255,255,255,.14);border-color:#fff}
.has-hero #nav:not(.solid):not(.open) .btn-p{background:#fff;color:var(--green);border-color:#fff}
.has-hero #nav:not(.solid):not(.open) .btn-p:hover{background:var(--soft);border-color:var(--soft);box-shadow:none}
.has-hero #nav:not(.solid):not(.open) .burger span{background:#fff}
.has-hero #nav.open{background:#fff}

/* Cómo funciona */
#proceso{background:var(--bg)}
.steps{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;position:relative;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r2);padding:30px 26px;position:relative;transition:border-color .25s,box-shadow .25s}
.step:hover{border-color:var(--lime);box-shadow:var(--shadow)}
.step-n{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;border-radius:50%;background:var(--green);color:#fff;font-family:var(--fd);font-size:1.05rem;font-weight:600;margin-bottom:20px}
.step h4{font-family:var(--fd);font-size:1.15rem;font-weight:600;color:var(--green);margin-bottom:8px}
.step p{font-size:.92rem;color:var(--muted);line-height:1.65}
.step:not(:last-child)::after{content:'';position:absolute;top:53px;left:calc(26px + 46px + 12px);right:-20px;height:2px;background:repeating-linear-gradient(90deg,var(--lime) 0 6px,transparent 6px 12px);opacity:.7;z-index:0}
@media(max-width:1024px){.hero-dark .hero-inner{padding:calc(var(--nav) + 32px) 0 64px}.steps{grid-template-columns:1fr 1fr}.step:not(:last-child)::after{display:none}}
@media(max-width:600px){.steps{grid-template-columns:1fr}.b1,.b2{opacity:.4}}
.logo .logo-w{mix-blend-mode:normal}


/* Menú "Acceso" (cliente / inversionista) */
.dd{position:relative}
.dd-btn .ico:last-child{transition:transform .2s}
.dd-btn[aria-expanded="true"] .ico:last-child{transform:rotate(180deg)}
.dd-menu{display:none;position:absolute;right:0;top:calc(100% + 8px);min-width:220px;background:#fff;border:1px solid var(--line);border-radius:var(--r2);box-shadow:var(--shadow2);padding:6px;z-index:150}
.dd.open .dd-menu{display:block}
.dd-menu a{display:block;padding:12px 14px;border-radius:8px;font-size:.94rem;font-weight:600;color:var(--green)}
.dd-menu a:hover,.dd-menu a:focus-visible{background:var(--soft)}
.hero-actions .dd .dd-menu{left:0;right:auto}
.fine{font-size:.82rem;color:var(--muted);line-height:1.6;margin-top:24px}
.fine.center{text-align:center}
.cta-box .cta-note{font-size:.8rem;margin:20px auto 0;max-width:600px;opacity:.85}
@media(min-width:901px){
  .pq-grid{grid-template-columns:repeat(6,1fr)}
  .pq-item{grid-column:span 2}
  .pq-item:nth-child(4){grid-column:2/4}
  .pq-item:nth-child(5){grid-column:4/6}
}
@media(max-width:768px){.hero-actions .dd,.hero-actions .dd .btn{width:100%}.hero-actions .dd-menu{width:100%}}