/* =========================================================================
   Tu Asesor Financiero — Sistema de diseño premium (mobile-first)
   Dirección: Luxury Editorial sobre Navy profundo · Navy + Oro (del logo)
   Tipografía: Newsreader (display serif variable) + Hanken Grotesk (UI)
   ========================================================================= */

/* ---------- Tokens ---------- */
:root {
  /* Marca */
  --navy-950: #04102a;
  --navy-900: #071730;   /* fondo base */
  --navy-850: #0a2043;
  --navy-800: #0d2a4d;   /* navy del logo */
  --navy-700: #123a6b;
  --navy-600: #1c4f96;
  --gold:      #f2c94c;
  --gold-600:  #dcae37;
  --gold-300:  #ffdd7a;
  --gold-soft: rgba(242, 201, 76, 0.12);

  /* Neutros */
  --white:   #ffffff;
  --ink-100: #eef3fb;
  --ink-300: #b3c2da;
  --ink-400: #7f92b2;
  --line:    rgba(255, 255, 255, 0.08);
  --line-strong: rgba(255, 255, 255, 0.15);
  --hair-top: rgba(255, 255, 255, 0.14);

  --success: #4ade80;
  --error:   #f87171;

  --card:       rgba(255, 255, 255, 0.032);
  --card-hover: rgba(255, 255, 255, 0.055);

  /* Tipografía */
  --font-display: "Newsreader", Georgia, "Times New Roman", serif;
  --font-body: "Hanken Grotesk", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Escala fluida */
  --step--2: clamp(0.72rem, 0.7rem + 0.1vw, 0.78rem);
  --step--1: clamp(0.84rem, 0.81rem + 0.14vw, 0.92rem);
  --step-0:  clamp(1rem, 0.96rem + 0.2vw, 1.1rem);
  --step-1:  clamp(1.18rem, 1.08rem + 0.4vw, 1.35rem);
  --step-2:  clamp(1.5rem, 1.3rem + 0.9vw, 1.9rem);
  --step-3:  clamp(1.95rem, 1.55rem + 1.4vw, 2.5rem);
  --step-4:  clamp(2.5rem, 1.75rem + 2.4vw, 3.5rem);

  /* Radios y sombras */
  --r-sm: 14px;
  --r: 20px;
  --r-lg: 30px;
  --r-xl: 34px;
  --pill: 999px;
  --shadow-amb: 0 30px 70px -30px rgba(2, 8, 22, 0.85);
  --shadow-gold: 0 20px 45px -18px rgba(242, 201, 76, 0.5);
  --inner-hi: inset 0 1px 0 0 rgba(255, 255, 255, 0.08);

  /* Motion */
  --ease: cubic-bezier(0.32, 0.72, 0, 1);
  --ease-soft: cubic-bezier(0.22, 1, 0.36, 1);

  --container: 1200px;
  --gutter: clamp(1.15rem, 5vw, 2.25rem);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
/* Compensa el header fijo al saltar a un ancla (#productos, #metodo, etc.),
   para que el título de la sección no quede tapado por la barra de arriba. */
:target { scroll-margin-top: 120px; }
.section[id], [id^="agendar"] { scroll-margin-top: 120px; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}

body {
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.65;
  color: var(--ink-100);
  background: var(--navy-900);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
  position: relative;
}

/* Orbes de luz (mesh gradient) fijos al fondo */
.bg-orbs { position: fixed; inset: 0; z-index: -2; pointer-events: none; overflow: hidden; }
.bg-orbs::before, .bg-orbs::after { content: ""; position: absolute; border-radius: 50%; filter: blur(90px); opacity: 0.55; }
.bg-orbs::before { width: 60vw; height: 60vw; top: -22vw; right: -14vw; background: radial-gradient(circle, rgba(28,79,150,0.85), transparent 68%); }
.bg-orbs::after  { width: 46vw; height: 46vw; bottom: -14vw; left: -12vw; background: radial-gradient(circle, rgba(242,201,76,0.28), transparent 66%); }

/* Grano de película */
.grain { position: fixed; inset: 0; z-index: 60; pointer-events: none; opacity: 0.04; mix-blend-mode: overlay;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E"); }

img, svg, video { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 6px; }

h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 500; line-height: 1.05; letter-spacing: -0.015em; font-optical-sizing: auto; }
/* Desactivamos ligaduras fi/fl/ff en la tipografía display para máxima nitidez de lectura */
h1, h2, h3, h4, .brand, .display, .faq summary { font-variant-ligatures: none; -webkit-font-feature-settings: "liga" 0, "dlig" 0, "clig" 0; font-feature-settings: "liga" 0, "dlig" 0, "clig" 0; }

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(2.75rem, 5vw, 4rem); position: relative; }
.section--tight { padding-block: clamp(2rem, 4vw, 2.9rem); }
.text-gold { color: var(--gold); }
.muted { color: var(--ink-400); }
.lead { color: var(--ink-300); font-size: var(--step-1); line-height: 1.55; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 0.55rem;
  font-family: var(--font-body); font-size: var(--step--2); font-weight: 600;
  letter-spacing: 0.22em; text-transform: uppercase; color: var(--gold);
  padding: 0.4rem 0.9rem; border: 1px solid rgba(242,201,76,0.28); border-radius: var(--pill);
  background: var(--gold-soft);
}
.section__head { max-width: 660px; margin-bottom: clamp(2.25rem, 4vw, 2.75rem); }
.section__head h2 { font-size: var(--step-3); margin-top: 1.1rem; }
.section__head p { color: var(--ink-300); margin-top: 1.1rem; font-size: var(--step-1); line-height: 1.5; }
.section__head--center { margin-inline: auto; text-align: center; }
.section__head--center .eyebrow::after,
.section__head--center .eyebrow::before { content: none; }

/* ---------- Botones ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.65rem;
  padding: 0.95rem 1.35rem 0.95rem 1.65rem; border-radius: var(--pill); border: 1px solid transparent;
  font-family: var(--font-body); font-weight: 600; font-size: var(--step-0); line-height: 1;
  transition: transform .5s var(--ease), box-shadow .5s var(--ease), background .3s var(--ease);
  position: relative; isolation: isolate;
}
.btn:active { transform: scale(0.975); }
.btn .ico-circle {
  width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; flex: 0 0 auto;
  transition: transform .5s var(--ease), background .3s;
}
.btn .ico-circle svg { width: 15px; height: 15px; }
.btn--primary { background: linear-gradient(135deg, var(--gold-300), var(--gold-600)); color: #22160b; box-shadow: var(--shadow-gold); }
.btn--primary .ico-circle { background: rgba(34,22,11,0.14); }
.btn--primary:hover { transform: translateY(-2px); box-shadow: 0 26px 55px -18px rgba(242,201,76,0.6); }
.btn--primary:hover .ico-circle { transform: translate(3px, -2px) scale(1.06); }
.btn--ghost { background: rgba(255,255,255,0.045); color: var(--white); border-color: var(--line-strong); box-shadow: var(--inner-hi); backdrop-filter: blur(8px); }
.btn--ghost .ico-circle { background: rgba(255,255,255,0.1); }
.btn--ghost:hover { background: rgba(255,255,255,0.09); transform: translateY(-2px); }
.btn--ghost:hover .ico-circle { transform: translate(3px,-2px) scale(1.06); }
.btn--wa { background: #22c55e; color: #04310f; }
.btn--wa:hover { transform: translateY(-2px); box-shadow: 0 20px 40px -16px rgba(34,197,94,0.6); }
.btn--block { width: 100%; }
.btn--lg { padding: 1.1rem 1.5rem 1.1rem 1.9rem; font-size: var(--step-1); }

/* ---------- Header flotante (isla de cristal) ---------- */
.site-header { position: sticky; top: 0; z-index: 50; padding-top: clamp(0.75rem, 2vw, 1.25rem); pointer-events: none; }
.header-island {
  pointer-events: auto; display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  margin-inline: auto; width: min(100% - 2 * var(--gutter), var(--container));
  padding: 0.55rem 0.65rem 0.55rem 1.1rem; border-radius: var(--pill);
  background: rgba(7, 19, 40, 0.72); border: 1px solid var(--line-strong);
  box-shadow: var(--shadow-amb), var(--inner-hi);
  backdrop-filter: blur(18px) saturate(140%); -webkit-backdrop-filter: blur(18px) saturate(140%);
}
.brand { display: inline-flex; align-items: center; gap: 0.65rem; font-family: var(--font-display); }
.brand img { width: 36px; height: 36px; border-radius: 50%; box-shadow: 0 0 0 1px var(--line-strong); }
.brand span { font-size: 1rem; letter-spacing: -0.01em; font-weight: 600; color: var(--white); }
.brand span b { color: var(--gold); font-weight: 600; }
.nav { display: none; }
.nav a { color: var(--ink-300); font-size: 0.92rem; font-weight: 500; transition: color .3s var(--ease); }
.nav a:hover { color: var(--white); }
.header-actions { display: flex; align-items: center; gap: 0.5rem; }
.header-cta { display: none; }
.nav-toggle {
  display: inline-flex; flex-direction: column; gap: 5px; padding: 12px; border: 1px solid var(--line-strong);
  background: rgba(255,255,255,0.05); border-radius: var(--pill);
}
.nav-toggle span { width: 18px; height: 2px; background: var(--white); border-radius: 2px; transition: transform .4s var(--ease), opacity .3s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Overlay móvil */
.mobile-menu {
  position: fixed; inset: 0; z-index: 49; pointer-events: none; opacity: 0;
  background: rgba(4, 12, 30, 0.82); backdrop-filter: blur(24px); -webkit-backdrop-filter: blur(24px);
  display: flex; flex-direction: column; justify-content: center; gap: 0.4rem; padding: 2rem var(--gutter);
  transition: opacity .5s var(--ease);
}
.mobile-menu.open { pointer-events: auto; opacity: 1; }
.mobile-menu a {
  font-family: var(--font-display); font-size: clamp(1.8rem, 8vw, 2.6rem); font-weight: 500; color: var(--ink-100);
  padding: 0.5rem 0; opacity: 0; transform: translateY(28px); transition: opacity .6s var(--ease), transform .6s var(--ease);
}
.mobile-menu.open a { opacity: 1; transform: none; }
.mobile-menu.open a:nth-child(1) { transition-delay: .08s; }
.mobile-menu.open a:nth-child(2) { transition-delay: .14s; }
.mobile-menu.open a:nth-child(3) { transition-delay: .20s; }
.mobile-menu.open a:nth-child(4) { transition-delay: .26s; }
.mobile-menu .btn { margin-top: 1.5rem; align-self: flex-start; opacity: 0; transform: translateY(28px); transition: opacity .6s var(--ease) .32s, transform .6s var(--ease) .32s; }
.mobile-menu.open .btn { opacity: 1; transform: none; }
.mobile-menu a.btn--primary { color: #22160b; }

/* ---------- Doble bisel (shell + core) ---------- */
.bezel {
  background: rgba(255,255,255,0.05); border: 1px solid var(--line-strong); border-radius: var(--r-xl);
  padding: 7px; box-shadow: var(--shadow-amb);
}
.bezel > .core {
  background: linear-gradient(180deg, var(--navy-800), var(--navy-850));
  border-radius: calc(var(--r-xl) - 7px); box-shadow: var(--inner-hi); height: 100%;
}

/* ---------- Hero ---------- */
.hero { padding-block: clamp(3rem, 8vw, 5.5rem) clamp(3rem, 7vw, 5rem); }
.hero__grid { display: grid; gap: clamp(2.25rem, 5vw, 3.5rem); }
.hero__badge {
  display: inline-flex; align-items: center; gap: 0.6rem; padding: 0.45rem 0.95rem;
  border: 1px solid var(--line-strong); border-radius: var(--pill);
  background: rgba(255,255,255,0.04); font-size: var(--step--1); color: var(--ink-300); margin-bottom: 1.5rem;
  box-shadow: var(--inner-hi);
}
.hero__badge b { color: var(--gold); font-weight: 600; }
.hero__badge .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--success); box-shadow: 0 0 0 3px rgba(74,222,128,0.2); }
.hero h1 { font-size: var(--step-4); margin-bottom: 1.35rem; letter-spacing: -0.025em; }
.hero h1 .hl { font-style: normal; color: var(--gold); font-weight: 600; position: relative; white-space: nowrap; }
.hero h1 .hl::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0.06em; height: 0.14em;
  background: linear-gradient(90deg, rgba(242,201,76,0.9), rgba(242,201,76,0.15));
  border-radius: 2px; transform: scaleX(0); transform-origin: left; animation: hlIn 0.9s var(--ease) 0.5s forwards;
}
@keyframes hlIn { to { transform: scaleX(1); } }
.hero p.lead { max-width: 44ch; }
.hero__cta { display: flex; flex-wrap: wrap; gap: 0.8rem; margin-top: 1.9rem; }
.hero__trust { display: grid; gap: 1rem; margin-top: 2.25rem; padding-top: 1.8rem; border-top: 1px solid var(--line); }
.hero__trust div { display: flex; align-items: center; gap: 0.65rem; font-size: var(--step--1); color: var(--ink-300); }
.hero__trust svg { flex: 0 0 auto; color: var(--gold); width: 20px; height: 20px; }

/* ---------- Formulario ---------- */
.lead-card { padding: clamp(1.4rem, 4vw, 2.1rem); position: relative; overflow: hidden; }
.lead-card__ribbon { display: inline-flex; align-items: center; gap: 0.5rem; font-size: var(--step--2); font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.9rem; }
.lead-card h3 { font-size: var(--step-2); margin-bottom: 0.5rem; font-weight: 500; }
.lead-card > p.sub { color: var(--ink-300); font-size: var(--step--1); margin-bottom: 1.5rem; }
.field { margin-bottom: 1rem; }
.field label { display: block; font-size: 0.82rem; font-weight: 500; color: var(--ink-300); margin-bottom: 0.45rem; }
.field label .req { color: var(--gold); }
.field input, .field select {
  width: 100%; padding: 0.9rem 1.05rem; border-radius: var(--r-sm); color: var(--white);
  background: rgba(4,12,30,0.6); border: 1px solid var(--line-strong); font: inherit; font-size: 0.98rem;
  transition: border-color .3s var(--ease), box-shadow .3s var(--ease);
}
.field input::placeholder { color: var(--ink-400); }
.field input:focus, .field select:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 4px var(--gold-soft); }
.field--phone { display: flex; gap: 0.5rem; }
.field--phone .prefix { display: inline-flex; align-items: center; padding: 0 0.95rem; border-radius: var(--r-sm); background: rgba(4,12,30,0.6); border: 1px solid var(--line-strong); color: var(--ink-300); font-size: 0.95rem; white-space: nowrap; }
.field--phone input { flex: 1; }
fieldset.field { border: 0; padding: 0; }
fieldset.field legend { font-size: 0.82rem; color: var(--ink-300); margin-bottom: 0.55rem; padding: 0; }
.check-group { display: grid; gap: 0.55rem; }
.check { display: flex; align-items: center; gap: 0.75rem; padding: 0.8rem 0.95rem; border-radius: var(--r-sm); border: 1px solid var(--line-strong); background: rgba(4,12,30,0.4); cursor: pointer; transition: border-color .3s var(--ease), background .3s var(--ease); }
.check:hover { border-color: rgba(242,201,76,0.6); background: rgba(242,201,76,0.05); }
.check input { width: 18px; height: 18px; accent-color: var(--gold); }
.check span { font-size: 0.95rem; }
.form-note { font-size: 0.76rem; color: var(--ink-400); margin: 1rem 0 1.15rem; display: flex; align-items: center; gap: 0.45rem; }
.form-note svg { flex: 0 0 auto; color: var(--gold); }
.form-msg { display: none; padding: 0.85rem 1.05rem; border-radius: var(--r-sm); font-size: 0.9rem; margin-bottom: 1rem; }
.form-msg.show { display: block; }
.form-msg.error { background: rgba(248,113,113,0.12); border: 1px solid rgba(248,113,113,0.4); color: #fecaca; }
.form-msg.success { background: rgba(74,222,128,0.12); border: 1px solid rgba(74,222,128,0.4); color: #bbf7d0; }
.btn[aria-busy="true"] { opacity: 0.75; pointer-events: none; }
.spinner { width: 16px; height: 16px; border: 2px solid rgba(34,22,11,0.3); border-top-color: #22160b; border-radius: 50%; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Stats ---------- */
.stats { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.stats .stat { padding: 1.5rem 1.15rem; text-align: center; border-radius: var(--r); background: var(--card); border: 1px solid var(--line); box-shadow: var(--inner-hi); }
.stats .n { font-family: var(--font-body); font-size: var(--step-3); font-weight: 700; color: var(--gold); line-height: 1; letter-spacing: -0.03em; font-variant-numeric: tabular-nums; font-feature-settings: "tnum" 1; }
.stats .l { font-size: var(--step--1); color: var(--ink-300); margin-top: 0.55rem; }

/* ---------- Cards ---------- */
.grid { display: grid; gap: 1.1rem; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: clamp(1.4rem, 3.5vw, 1.9rem); box-shadow: var(--inner-hi); transition: transform .5s var(--ease), border-color .5s var(--ease), background .5s var(--ease); }
.card:hover { transform: translateY(-5px); border-color: var(--line-strong); background: var(--card-hover); }
.card .ico { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: var(--gold-soft); border: 1px solid rgba(242,201,76,0.28); margin-bottom: 1.1rem; color: var(--gold); }
.card .ico svg { width: 24px; height: 24px; }
.card h3 { font-size: var(--step-1); margin-bottom: 0.55rem; font-weight: 500; }
.card p { color: var(--ink-300); font-size: 0.96rem; }

/* Productos */
.product-grid { display: grid; gap: 1.25rem; }
.product-card { display: flex; flex-direction: column; height: 100%; padding: clamp(1.6rem, 4vw, 2.25rem); }
.product-card .tag { display: inline-flex; align-items: center; gap: 0.5rem; font-size: 0.76rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.85rem; }
.product-card .tag .emo { font-size: 1.15rem; }
.product-card h3 { font-size: var(--step-2); font-weight: 500; }
.product-card .desc { margin: 0.7rem 0 1.3rem; color: var(--ink-300); font-size: 0.98rem; }
.feature-list { list-style: none; padding: 0; margin: 0 0 1.6rem; display: grid; gap: 0.7rem; }
.feature-list li { display: flex; gap: 0.65rem; font-size: 0.95rem; color: var(--ink-100); align-items: flex-start; }
.feature-list li .ck { flex: 0 0 auto; width: 20px; height: 20px; border-radius: 50%; background: var(--gold-soft); border: 1px solid rgba(242,201,76,0.3); display: grid; place-items: center; color: var(--gold); margin-top: 1px; }
.feature-list li .ck svg { width: 11px; height: 11px; }
.feature-list .grp { font-size: 0.72rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-400); margin-top: 0.5rem; display: block; }
.product-card .btn { margin-top: auto; }

/* ---------- Gráfico APV ---------- */
.chart-wrap { display: grid; gap: 2rem; align-items: center; }
.chart-card { padding: clamp(1.6rem, 4vw, 2.4rem); }
.chart-card .cap { font-size: 0.8rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-400); }
.chart { display: flex; align-items: flex-end; justify-content: space-around; gap: 1rem; height: 250px; margin: 2rem 0 0.5rem; }
.chart .bar-wrap { display: flex; flex-direction: column; align-items: center; gap: 0.8rem; flex: 1; height: 100%; justify-content: flex-end; }
.chart .bar { width: 100%; max-width: 72px; border-radius: 14px 14px 6px 6px; background: linear-gradient(180deg, var(--gold-300), var(--gold-600)); position: relative; min-height: 8px; height: 8px; transition: height 1.3s var(--ease); box-shadow: 0 -8px 30px -10px rgba(242,201,76,0.5); }
.chart .bar .val { position: absolute; top: -2.1rem; left: 50%; transform: translateX(-50%); font-family: var(--font-body); font-weight: 700; color: var(--gold); font-size: 1.25rem; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.chart .bar-wrap .age { font-size: 0.9rem; color: var(--ink-300); font-weight: 500; }
.chart-source { font-size: 0.76rem; color: var(--ink-400); margin-top: 1.1rem; }

/* ---------- Método ---------- */
.steps { display: grid; gap: 1.1rem; }
.step { position: relative; padding: 1.6rem; border: 1px solid var(--line); border-radius: var(--r); background: var(--card); box-shadow: var(--inner-hi); transition: transform .5s var(--ease), border-color .5s var(--ease); overflow: hidden; }
.step:hover { transform: translateY(-4px); border-color: var(--line-strong); }
.step .num { font-family: var(--font-body); font-size: 3rem; font-weight: 700; letter-spacing: -0.04em; color: rgba(242,201,76,0.18); font-variant-numeric: tabular-nums; font-feature-settings: "tnum" 1; line-height: 1; position: absolute; top: 0.9rem; right: 1.1rem; }
.step .k { display: inline-block; font-size: 0.72rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.7rem; font-weight: 600; }
.step h3 { font-size: var(--step-1); margin-bottom: 0.45rem; font-weight: 500; }
.step p { color: var(--ink-300); font-size: 0.94rem; }

/* ---------- Asesor ---------- */
.advisor { display: grid; gap: 2rem; align-items: center; }
.advisor__photo { aspect-ratio: 4 / 5; }
.advisor__photo .core { display: grid; place-items: center; text-align: center; position: relative; overflow: hidden; }
.advisor__photo .core img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 22%; display: block; }
.advisor__photo .ph { padding: 2rem; color: var(--ink-400); }
.advisor__photo .ph svg { margin: 0 auto 1rem; color: var(--navy-600); width: 64px; height: 64px; }
.advisor__body .eyebrow { margin-bottom: 1.1rem; }
.advisor__body h2 { font-size: var(--step-3); margin-bottom: 1rem; }
.advisor__body p { color: var(--ink-300); margin-bottom: 1rem; }
.advisor__creds { display: flex; flex-wrap: wrap; gap: 0.6rem; margin-top: 1.5rem; }
.advisor__creds .badge-soft svg { flex: 0 0 auto; }
.advisor__meta { display: flex; flex-wrap: wrap; gap: 1.5rem; margin-top: 1.5rem; padding-top: 1.5rem; border-top: 1px solid var(--line); }
.advisor__meta .m .n { font-family: var(--font-body); font-weight: 700; font-size: 1.6rem; color: var(--gold); letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.advisor__meta .m .l { font-size: 0.82rem; color: var(--ink-400); }
.badge-soft { display: inline-flex; align-items: center; gap: 0.45rem; padding: 0.4rem 0.9rem; border-radius: var(--pill); background: var(--gold-soft); border: 1px solid rgba(242,201,76,0.3); color: var(--gold); font-size: 0.78rem; font-weight: 600; }

/* ---------- Testimonios ---------- */
.testi-grid { display: grid; gap: 1.1rem; }
.testi { padding: 1.7rem; height: 100%; }
.testi .stars { color: var(--gold); letter-spacing: 3px; margin-bottom: 0.85rem; font-size: 0.9rem; }
.testi p { color: var(--ink-100); font-size: 0.98rem; line-height: 1.6; }
.testi .who { display: flex; align-items: center; gap: 0.75rem; margin-top: 1.25rem; }
.testi .who .av { width: 42px; height: 42px; border-radius: 50%; background: linear-gradient(135deg, var(--navy-600), var(--navy-800)); display: grid; place-items: center; color: var(--gold); font-weight: 700; font-family: var(--font-display); }
.testi .who b { font-size: 0.9rem; font-weight: 600; }
.testi .who span { display: block; font-size: 0.78rem; color: var(--ink-400); }
.placeholder-tag { display: inline-flex; align-items: center; gap: 0.4rem; font-size: 0.68rem; letter-spacing: 0.05em; text-transform: uppercase; color: var(--navy-900); background: var(--gold); padding: 3px 10px; border-radius: 7px; font-weight: 700; }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 0.9rem; max-width: 840px; }
.faq-col { display: grid; gap: 0.9rem; align-content: start; }
.faq details { position: relative; border: 1px solid var(--line); border-radius: var(--r); background: var(--card); overflow: hidden; box-shadow: var(--inner-hi); transition: border-color .5s var(--ease), box-shadow .5s var(--ease); }
/* rail dorado que se despliega al abrir / hover */
.faq details::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 2px; background: linear-gradient(180deg, var(--gold), rgba(242,201,76,0.2)); transform: scaleY(0); transform-origin: top; transition: transform .55s var(--ease); }
.faq details:hover { border-color: rgba(242,201,76,0.22); }
.faq details:hover::before { transform: scaleY(0.35); }
.faq details[open] { border-color: rgba(242,201,76,0.4); box-shadow: var(--inner-hi), 0 20px 45px -26px rgba(0,0,0,0.55); }
.faq details[open]::before { transform: scaleY(1); }
.faq summary { list-style: none; cursor: pointer; padding: 1.3rem 1.5rem; font-family: var(--font-display); font-weight: 500; font-size: var(--step-1); line-height: 1.35; display: flex; justify-content: space-between; gap: 1rem; align-items: center; transition: color .4s var(--ease); }
.faq summary:hover { color: var(--gold); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .plus { flex: 0 0 auto; width: 30px; height: 30px; position: relative; border-radius: 50%; background: var(--gold-soft); border: 1px solid rgba(242,201,76,0.2); transition: border-color .45s var(--ease), transform .55s var(--ease); }
.faq summary:hover .plus { border-color: rgba(242,201,76,0.45); }
.faq summary .plus::before, .faq summary .plus::after { content: ""; position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%); background: var(--gold); border-radius: 2px; }
.faq summary .plus::before { width: 13px; height: 2px; }
.faq summary .plus::after { width: 2px; height: 13px; transition: transform .55s var(--ease); }
.faq details[open] summary .plus { transform: rotate(180deg); border-color: rgba(242,201,76,0.5); }
.faq details[open] summary .plus::after { transform: translate(-50%,-50%) rotate(90deg); }
.faq details[open] summary { color: var(--gold); }
.faq .answer { padding: 0 1.5rem 1.4rem; color: var(--ink-300); font-size: 0.97rem; line-height: 1.68; }
.faq details[open] .answer { animation: faqAnswerIn .55s var(--ease) both; }
@keyframes faqAnswerIn { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { .faq details[open] .answer { animation: none; } }

/* Desktop: 3 preguntas a la izquierda, 3 a la derecha */
@media (min-width: 900px) {
  .faq--split { grid-template-columns: 1fr 1fr; gap: 1rem 1.5rem; max-width: 1000px; margin-inline: auto; align-items: start; }
  /* alto uniforme en las tarjetas cerradas (independiente de 1 o 2 líneas) */
  .faq--split summary { min-height: 6.25rem; }
}

/* ---------- CTA final + formulario ---------- */
.cta-final-grid { display: grid; gap: clamp(2rem, 5vw, 3.5rem); align-items: center; }
.cta-final-copy h2 { font-size: var(--step-3); max-width: 18ch; margin: 1rem 0 1rem; line-height: 1.08; }
.cta-final-copy > p { color: var(--ink-300); max-width: 46ch; margin: 0 0 1.5rem; font-size: var(--step-1); }
.cta-final-list { list-style: none; margin: 0 0 1.75rem; padding: 0; display: grid; gap: 0.7rem; }
.cta-final-list li { display: flex; align-items: center; gap: 0.65rem; color: var(--ink-100); font-size: 1rem; }
.cta-final-list svg { width: 20px; height: 20px; flex: none; color: var(--gold); background: var(--gold-soft, rgba(198,161,91,0.12)); border-radius: 999px; padding: 3px; }
.cta-final-wa { display: flex; flex-wrap: wrap; align-items: center; gap: 0.75rem 1rem; padding-top: 0.5rem; border-top: 1px solid var(--line); }
.cta-final-wa span { color: var(--ink-300); font-size: 0.95rem; }

@media (min-width: 900px) {
  .cta-final-grid {
    grid-template-columns: 1fr 0.95fr;
    grid-template-areas: "copy form" "wa form";
    align-items: start;
    row-gap: 1.5rem;
  }
  .cta-final-copy { grid-area: copy; }
  .cta-final-grid > .bezel { grid-area: form; align-self: start; }
  .cta-final-wa { grid-area: wa; }
}

/* ---------- Compliance ---------- */
.compliance .core { padding: clamp(1.6rem, 4vw, 2.4rem); }
.compliance dl { display: grid; gap: 1.1rem; margin: 1.25rem 0 0; }
.compliance dt { font-size: 0.7rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-400); margin-bottom: 0.2rem; }
.compliance dd { font-size: 1rem; color: var(--ink-100); }

/* ---------- Footer ---------- */
.site-footer { border-top: 1px solid var(--line); background: var(--navy-950); padding-block: clamp(3rem, 7vw, 4.5rem) 1.75rem; position: relative; }
.footer-grid { display: grid; gap: 2.25rem; }
.footer-brand .brand span { color: var(--white); }
.footer-brand p { color: var(--ink-400); font-size: 0.92rem; margin-top: 1.1rem; max-width: 40ch; }
.footer-col h4 { font-size: 0.76rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-300); margin-bottom: 1rem; }
.footer-col a, .footer-col p.fi { display: block; color: var(--ink-400); font-size: 0.92rem; padding: 0.3rem 0; transition: color .3s var(--ease); }
.footer-col a:hover { color: var(--gold); }
.footer-social { display: flex; gap: 0.6rem; margin-top: 0.75rem; }
.footer-social a { width: 42px; height: 42px; border-radius: 13px; border: 1px solid var(--line-strong); display: grid; place-items: center; color: var(--ink-300); transition: color .3s var(--ease), border-color .3s var(--ease), transform .3s var(--ease); }
.footer-social a:hover { color: var(--gold); border-color: var(--gold); transform: translateY(-2px); }
.footer-bottom { margin-top: 2.75rem; padding-top: 1.6rem; border-top: 1px solid var(--line); display: flex; flex-wrap: wrap; gap: 0.7rem 1.5rem; justify-content: space-between; align-items: center; }
.footer-bottom p { font-size: 0.82rem; color: var(--ink-400); }
.footer-bottom .links { display: flex; gap: 1.3rem; }
.footer-bottom a { font-size: 0.82rem; color: var(--ink-400); }
.footer-bottom a:hover { color: var(--gold); }
.footer-disclaimer { font-size: 0.76rem; color: var(--ink-400); line-height: 1.6; margin-top: 1.5rem; max-width: 100%; opacity: 0.8; }
.footer-credit { margin-top: 0.9rem; font-size: 0.72rem; color: var(--ink-400); opacity: 0.55; letter-spacing: 0.01em; }
.footer-credit a { color: inherit; text-decoration: underline; text-underline-offset: 2px; text-decoration-thickness: 1px; transition: color .3s var(--ease); }
.footer-credit a:hover { color: var(--gold); }

/* ---------- WhatsApp flotante ---------- */
.wa-float { position: fixed; right: 16px; bottom: 16px; z-index: 55; width: 58px; height: 58px; border-radius: 50%; background: #22c55e; color: #fff; display: grid; place-items: center; box-shadow: 0 16px 38px -10px rgba(34,197,94,0.7); transition: transform .5s var(--ease); }
.wa-float::after { content: ""; position: absolute; inset: 0; border-radius: 50%; border: 2px solid rgba(34,197,94,0.5); animation: pulse 2.4s var(--ease) infinite; }
@keyframes pulse { 0% { transform: scale(1); opacity: .7; } 100% { transform: scale(1.5); opacity: 0; } }
.wa-float:hover { transform: scale(1.08); }
.wa-float svg { width: 30px; height: 30px; position: relative; z-index: 1; }

/* ---------- Reveal ---------- */
.reveal { opacity: 0; transform: translateY(28px); filter: blur(8px); transition: opacity .8s var(--ease-soft), transform .8s var(--ease-soft), filter .8s var(--ease-soft); }
.reveal.in { opacity: 1; transform: none; filter: blur(0); }
.reveal[data-d="1"] { transition-delay: .08s; }
.reveal[data-d="2"] { transition-delay: .16s; }
.reveal[data-d="3"] { transition-delay: .24s; }

/* ---------- Breadcrumb + prosa ---------- */
.breadcrumb { font-size: 0.82rem; color: var(--ink-400); padding-top: 1.5rem; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: var(--ink-300); }
.prose { max-width: 780px; }
.prose h2 { font-size: var(--step-2); margin: 2.25rem 0 0.85rem; font-weight: 500; }
.prose h3 { font-size: var(--step-1); margin: 1.6rem 0 0.55rem; font-weight: 500; }
.prose p, .prose li { color: var(--ink-300); margin-bottom: 0.9rem; }
.prose ul { padding-left: 1.25rem; }
.prose a { color: var(--gold); text-decoration: underline; }

/* =========================================================================
   Breakpoints
   ========================================================================= */
@media (min-width: 560px) {
  .stats { grid-template-columns: repeat(4, 1fr); }
  .grid--2 { grid-template-columns: 1fr 1fr; }
  .hero__trust { grid-template-columns: 1fr 1fr; }
  .hero__cta .btn { min-width: 210px; }
}

@media (min-width: 880px) {
  .nav { display: flex; gap: 1.7rem; align-items: center; }
  .header-cta { display: inline-flex; }
  .nav-toggle { display: none; }
  .mobile-menu { display: none !important; }
  .grid--3 { grid-template-columns: repeat(3, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .advisor { grid-template-columns: 0.8fr 1.2fr; gap: 3rem; }
  .footer-grid { grid-template-columns: 1.7fr 1fr 1fr 1.2fr; }
  .testi-grid { grid-template-columns: repeat(3, 1fr); }
  .chart-wrap { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 980px) {
  .hero__grid { grid-template-columns: 1.05fr 0.95fr; align-items: start; }
  .lead-card-sticky { position: sticky; top: 96px; }
  .product-grid { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: repeat(4, 1fr); }

  /* Fold de conversión: hero + formulario + CTA visibles al entrar */
  .hero { padding-block: 2.5rem 3rem; }
  .hero h1 { font-size: clamp(2.5rem, 2.4vw + 1.2rem, 3.1rem); margin-bottom: 1rem; }
  .hero__badge { margin-bottom: 1.1rem; }
  .hero p.lead { font-size: 1.05rem; line-height: 1.5; max-width: 42ch; }
  .hero__cta { margin-top: 1.4rem; }
  .hero__trust { margin-top: 1.6rem; padding-top: 1.3rem; gap: 0.75rem 1rem; }
  .lead-card { padding: 1.6rem 1.7rem; }
  .lead-card h3 { font-size: 1.6rem; }
  .lead-card > p.sub { margin-bottom: 1.1rem; }
  .field { margin-bottom: 0.8rem; }
  .field input, .field select { padding: 0.75rem 1rem; }
}

/* =========================================================================
   Páginas interiores (APV / Seguro / Blog / Artículo)
   ========================================================================= */

/* Hero de página interior */
.page-hero { padding-block: clamp(2.4rem, 7vw, 4.25rem) clamp(1.25rem, 3.5vw, 2.25rem); }
.page-hero .eyebrow { margin-bottom: 1.25rem; }
.page-hero h1 { font-size: var(--step-4); letter-spacing: -0.025em; max-width: 18ch; }
.page-hero h1 .hl { color: var(--gold); font-weight: 600; }
.page-hero p.lead { margin-top: 1.35rem; max-width: 62ch; }
.page-hero .hero__cta { margin-top: 2rem; }

.intro-split { display: grid; gap: 2rem; align-items: center; }
@media (min-width: 980px) { .intro-split { grid-template-columns: 1.05fr 0.95fr; gap: 3rem; } }

/* Caja de puntos clave (AEO: respuesta directa) */
.keybox { border: 1px solid rgba(242,201,76,0.3); background: var(--gold-soft); border-radius: var(--r); padding: clamp(1.35rem, 3.5vw, 1.9rem); }
.keybox h2, .keybox h3 { color: var(--gold); font-size: var(--step-1); margin-bottom: 0.85rem; }
.keybox ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.65rem; }
.keybox li { display: flex; gap: 0.65rem; color: var(--ink-100); font-size: 0.96rem; line-height: 1.5; }
.keybox li svg { flex: 0 0 auto; color: var(--gold); width: 18px; height: 18px; margin-top: 3px; }
.keybox li strong { color: var(--gold); font-weight: 600; }

/* Tabla comparativa */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r); box-shadow: var(--inner-hi); -webkit-overflow-scrolling: touch; }
.table-wrap { overflow-x: auto; max-width: 100%; -webkit-overflow-scrolling: touch; border-radius: var(--r-md, 12px); }
table.compare { width: 100%; border-collapse: collapse; min-width: 480px; }
table.compare th, table.compare td { text-align: left; padding: 0.95rem 1.15rem; border-bottom: 1px solid var(--line); font-size: 0.93rem; vertical-align: top; }
table.compare thead th { color: var(--gold); font-family: var(--font-body); font-weight: 600; letter-spacing: 0.01em; background: rgba(255,255,255,0.025); }
table.compare tbody td:first-child { color: var(--ink-300); font-weight: 500; }
table.compare tbody td { color: var(--ink-100); }
table.compare tr:last-child td { border-bottom: 0; }

/* Nota de verificación (interna, para Diego) */
.verify-note { display: flex; gap: 0.65rem; align-items: flex-start; font-size: 0.8rem; color: var(--ink-300); background: rgba(255,255,255,0.03); border: 1px dashed var(--line-strong); border-radius: var(--r-sm); padding: 0.85rem 1rem; margin: 1.3rem 0; }
.verify-note svg { flex: 0 0 auto; color: var(--gold); width: 17px; height: 17px; margin-top: 2px; }

/* Banda CTA reutilizable */
.cta-band { border: 1px solid var(--line-strong); border-radius: var(--r-lg); background: linear-gradient(180deg, var(--navy-800), var(--navy-850)); padding: clamp(1.9rem, 5vw, 3rem); text-align: center; box-shadow: var(--inner-hi), var(--shadow-amb); }
.cta-band .eyebrow { margin-bottom: 1rem; }
.cta-band h2 { font-size: var(--step-2); margin-bottom: 0.85rem; max-width: 22ch; margin-inline: auto; }
.cta-band p { color: var(--ink-300); max-width: 50ch; margin: 0 auto 1.6rem; }
.cta-band .hero__cta { justify-content: center; margin-top: 0; }

/* ---------- Blog ---------- */
.blog-grid { display: grid; gap: 1.25rem; }
@media (min-width: 640px) { .blog-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 980px) { .blog-grid { grid-template-columns: repeat(3, 1fr); } }
.post-card { display: flex; flex-direction: column; height: 100%; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; box-shadow: var(--inner-hi); transition: transform .5s var(--ease), border-color .5s var(--ease), background .5s var(--ease); }
.post-card:hover { transform: translateY(-5px); border-color: var(--line-strong); background: var(--card-hover); }
.post-card__media { aspect-ratio: 16 / 9; background: linear-gradient(135deg, var(--navy-700), var(--navy-850)); display: grid; place-items: center; color: rgba(242,201,76,0.55); position: relative; }
.post-card__media svg { width: 40px; height: 40px; }
.post-card__media .cat { position: absolute; top: 0.85rem; left: 0.85rem; font-size: 0.68rem; letter-spacing: 0.1em; text-transform: uppercase; font-weight: 600; color: var(--gold); background: rgba(4,12,30,0.65); border: 1px solid rgba(242,201,76,0.3); padding: 4px 10px; border-radius: var(--pill); }
.post-card__body { padding: 1.3rem 1.35rem 1.5rem; display: flex; flex-direction: column; flex: 1; }
.post-card h3 { font-size: var(--step-1); font-weight: 500; margin-bottom: 0.55rem; line-height: 1.2; }
.post-card p { color: var(--ink-300); font-size: 0.92rem; margin-bottom: 1.1rem; }
.post-card__meta { margin-top: auto; display: flex; align-items: center; justify-content: space-between; gap: 0.6rem; font-size: 0.8rem; color: var(--ink-400); padding-top: 0.9rem; border-top: 1px solid var(--line); }
.post-card__meta .read { display: inline-flex; align-items: center; gap: 0.4rem; color: var(--gold); font-weight: 600; }
.post-card__meta .read svg { width: 15px; height: 15px; transition: transform .4s var(--ease); }
.post-card:hover .post-card__meta .read svg { transform: translateX(3px); }

.blog-featured { margin-bottom: 1.5rem; }
.blog-featured .post-card { flex-direction: column; }
@media (min-width: 880px) {
  .blog-featured .post-card { flex-direction: row; align-items: stretch; }
  .blog-featured .post-card__media { flex: 0 0 46%; aspect-ratio: auto; min-height: 280px; }
  .blog-featured .post-card__body { padding: clamp(1.8rem, 4vw, 2.6rem); justify-content: center; }
  .blog-featured .post-card h3 { font-size: var(--step-2); }
  .blog-featured .post-card p { font-size: 1rem; }
}

/* ---------- Artículo ---------- */
.article-head { max-width: 780px; margin-inline: auto; }
.article-head h1 { font-size: var(--step-4); letter-spacing: -0.022em; margin: 1.2rem 0 1.15rem; line-height: 1.06; }
.article-meta { display: flex; flex-wrap: wrap; gap: 0.55rem 1.3rem; align-items: center; color: var(--ink-400); font-size: 0.86rem; }
.article-meta .author { display: flex; align-items: center; gap: 0.6rem; color: var(--ink-300); }
.article-meta .author .av { width: 36px; height: 36px; border-radius: 50%; background: linear-gradient(135deg, var(--navy-600), var(--navy-800)); display: grid; place-items: center; color: var(--gold); font-weight: 700; font-family: var(--font-display); font-size: 0.9rem; box-shadow: 0 0 0 1px var(--line-strong); }
.article-meta .sep { width: 4px; height: 4px; border-radius: 50%; background: var(--ink-400); }
.article-cover { border-radius: var(--r-lg); overflow: hidden; max-width: 780px; margin: clamp(1.75rem, 4vw, 2.5rem) auto; aspect-ratio: 16 / 9; background: linear-gradient(135deg, var(--navy-700), var(--navy-850)); display: grid; place-items: center; color: rgba(242,201,76,0.4); border: 1px solid var(--line); }
.article-cover svg { width: 64px; height: 64px; }
.article-cover img { width: 100%; height: 100%; object-fit: cover; }

.prose { max-width: 780px; }
.prose > *:first-child { margin-top: 0; }
.prose h2 { font-size: var(--step-2); margin: 2.4rem 0 0.9rem; font-weight: 500; scroll-margin-top: 90px; }
.prose h3 { font-size: var(--step-1); margin: 1.7rem 0 0.55rem; font-weight: 500; }
.prose p, .prose li { color: var(--ink-300); margin-bottom: 0.95rem; line-height: 1.7; }
.prose ul, .prose ol { padding-left: 1.3rem; margin-bottom: 1.1rem; display: grid; gap: 0.45rem; }
.prose li::marker { color: var(--gold); }
.prose strong { color: var(--gold); font-weight: 600; }
.prose a { color: var(--gold); text-decoration: underline; text-underline-offset: 2px; }
.prose blockquote { border-left: 3px solid var(--gold); padding: 0.35rem 0 0.35rem 1.15rem; margin: 1.6rem 0; color: var(--ink-100); font-family: var(--font-display); font-size: var(--step-1); font-style: italic; }
.prose .keybox, .prose .verify-note, .prose .table-wrap { margin-block: 1.6rem; }
.prose .keybox p, .prose .keybox li { margin-bottom: 0; }

.article-tags { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 2rem; padding-top: 1.75rem; border-top: 1px solid var(--line); }
.article-tags .tag-chip { font-size: 0.78rem; color: var(--ink-300); background: rgba(255,255,255,0.04); border: 1px solid var(--line-strong); border-radius: var(--pill); padding: 0.35rem 0.85rem; }

.article-layout { display: grid; gap: 2.5rem; max-width: 780px; margin-inline: auto; }
.article-layout > * { min-width: 0; }
.article-aside .bezel .core { padding: clamp(1.5rem, 3vw, 1.9rem); }
.article-aside h3 { font-size: var(--step-1); margin-bottom: 0.6rem; font-weight: 500; }
.article-aside p { color: var(--ink-300); font-size: 0.9rem; margin-bottom: 1.15rem; }