/* =========================================================
   HG Expertos Hipotecarios · Hipoteca Genial — hoja de estilos
   Cambia los colores de marca aquí (variables :root)
   ========================================================= */
:root {
  /* ===== Paleta HG Expertos Hipotecarios: negro, blanco, grises y amarillo ===== */
  /* Amarillo (acento de marca) */
  --amarillo: #fdbb2d;        /* principal: botones, resaltes, íconos */
  --amarillo-osc: #e5a414;    /* hover de botones amarillos */
  --amarillo-claro: #fff4d6;  /* fondos suaves */
  /* Neutros */
  --negro: #1a1a1a;           /* logo, títulos, fondos oscuros */
  --gris-900: #2b2b2b;        /* superficies oscuras secundarias */
  --gris-700: #444444;        /* texto de párrafo */
  --gris-500: #6e6e6e;        /* texto secundario (contraste AA sobre blanco) */
  --gris-300: #cfcfcf;        /* bordes marcados, texto sobre negro */
  --gris-200: #e6e6e6;        /* líneas y bordes */
  --gris-100: #f4f4f4;        /* fondos alternos */
  --blanco: #ffffff;

  /* Roles (usar estos en los componentes) */
  --tinta: var(--negro);
  --texto: var(--gris-700);
  --suave: var(--gris-500);
  --linea: var(--gris-200);
  --fondo: var(--blanco);
  --fondo-alt: var(--gris-100);
  --oscuro: var(--negro);
  --ok: #1f9d55;              /* solo para mensajes de éxito */
  --error: #c0392b;           /* solo para mensajes de error */

  --radio: 18px;
  --sombra: 0 10px 30px rgba(0, 0, 0, .08);
  --max: 1180px;
  --fuente: "Poppins", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--fuente);
  color: var(--texto);
  background: var(--fondo);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; height: auto; }
a { color: inherit; }
h1, h2, h3, h4 { color: var(--tinta); line-height: 1.2; margin: 0 0 .6em; }
h1 { font-size: clamp(2rem, 4.6vw, 3.4rem); font-weight: 700; letter-spacing: -.02em; }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.4rem); font-weight: 700; letter-spacing: -.01em; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { margin: 0 0 1em; }
.resalta { color: inherit; text-decoration: underline; text-decoration-color: var(--amarillo); text-decoration-thickness: .12em; text-underline-offset: .22em; text-decoration-skip-ink: auto; }
.contenedor { width: min(100% - 32px, var(--max)); margin-inline: auto; }
.seccion { padding: clamp(56px, 8vw, 104px) 0; }
.seccion--alt { background: var(--fondo-alt); }
.etiqueta {
  display: inline-block; font-size: .78rem; font-weight: 600; letter-spacing: .08em;
  text-transform: uppercase; color: var(--negro); background: var(--amarillo);
  padding: 6px 12px; border-radius: 999px; margin-bottom: 14px;
}
.encabezado-seccion { text-align: center; max-width: 720px; margin: 0 auto 48px; }
.encabezado-seccion p { color: var(--suave); }

/* ---------- Botones ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: 600 .98rem var(--fuente); text-decoration: none; cursor: pointer;
  padding: 14px 26px; border-radius: 999px; border: 2px solid transparent;
  transition: transform .15s ease, background .2s ease, box-shadow .2s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn--primario { background: var(--amarillo); color: var(--tinta); box-shadow: 0 8px 20px rgba(253, 187, 45, .35); }
.btn--primario:hover { background: var(--amarillo-osc); }
.btn--oscuro { background: var(--tinta); color: #fff; }
.btn--borde { border-color: var(--tinta); color: var(--tinta); background: transparent; }
.btn--whatsapp { background: #25d366; color: #fff; }
.btn svg { width: 20px; height: 20px; flex: none; }

/* ---------- Barra superior / Header ---------- */
.barra-top { background: var(--negro); color: var(--gris-300); font-size: .85rem; }
.barra-top .contenedor { display: flex; justify-content: space-between; gap: 16px; padding: 8px 0; flex-wrap: wrap; }
.barra-top a { text-decoration: none; color: #fff; }
.header {
  position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(10px); border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s;
}
.header.con-sombra { border-color: var(--linea); box-shadow: 0 4px 18px rgba(0, 0, 0, .05); }
.header .contenedor { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.logo img { height: 52px; width: auto; }
@media (max-width: 520px) { .logo img { height: 42px; } }
.nav { display: flex; align-items: center; gap: 26px; }
.nav a { text-decoration: none; font-weight: 500; color: var(--tinta); position: relative; }
.nav a:not(.btn)::after {
  content: ""; position: absolute; left: 0; bottom: -6px; height: 2px; width: 0;
  background: var(--amarillo); transition: width .2s;
}
.nav a:not(.btn):hover::after, .nav a[aria-current="page"]::after { width: 100%; }
.nav .btn { padding: 10px 20px; }
.menu-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.menu-toggle span { display: block; width: 24px; height: 2px; background: var(--tinta); margin: 5px 0; transition: .2s; }

@media (max-width: 1100px) {
  .menu-toggle { display: block; }
  .nav {
    position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--linea); padding: 8px 16px 20px;
    opacity: 0; visibility: hidden; transform: translateY(-8px);
    transition: opacity .2s ease, transform .2s ease, visibility .2s; box-shadow: var(--sombra);
    max-height: calc(100vh - 76px); overflow-y: auto;
  }
  .nav.abierto { opacity: 1; visibility: visible; transform: none; }
  .nav a { padding: 14px 4px; border-bottom: 1px solid var(--linea); }
  .nav a::after { display: none; }
  .nav .btn { margin-top: 14px; border-bottom: 0; }
  .barra-top .ocultar-movil { display: none; }
}

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: linear-gradient(180deg, var(--gris-100), var(--blanco) 85%); }
.hero .contenedor { display: grid; grid-template-columns: 1.05fr 1fr; gap: 48px; align-items: center; padding: clamp(40px, 7vw, 90px) 0; }
.hero p.lead { font-size: 1.15rem; color: var(--suave); max-width: 520px; }
.hero .acciones { display: flex; gap: 12px; flex-wrap: wrap; margin: 28px 0 32px; }
.hero-img { position: relative; }
.hero-img img { border-radius: 28px; box-shadow: var(--sombra); aspect-ratio: 1 / 1; object-fit: cover; width: 100%; }
.hero-badge {
  position: absolute; left: -24px; bottom: 28px; background: #fff; border-radius: 16px; padding: 14px 18px;
  box-shadow: var(--sombra); display: flex; align-items: center; gap: 12px; font-size: .9rem;
}
.hero-badge strong { display: block; font-size: 1.4rem; color: var(--tinta); line-height: 1; }
.hero-badge .icono { width: 44px; height: 44px; border-radius: 12px; background: var(--amarillo); display: grid; place-items: center; }
.confianza { display: flex; gap: 28px; flex-wrap: wrap; color: var(--suave); font-size: .92rem; }
.confianza div { display: flex; align-items: center; gap: 8px; }
.confianza svg { color: var(--negro); background: var(--amarillo); border-radius: 50%; padding: 3px; width: 20px; height: 20px; }
@media (max-width: 880px) {
  .hero .contenedor { grid-template-columns: 1fr; }
  .hero-badge { left: 12px; bottom: 12px; }
}

/* ---------- Tarjetas / grids ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
@media (max-width: 880px) { .grid-3, .grid-2 { grid-template-columns: 1fr; gap: 28px; } }
.tarjeta {
  background: #fff; border: 1px solid var(--linea); border-radius: var(--radio); padding: 28px;
  transition: transform .2s, box-shadow .2s;
}
.tarjeta:hover { transform: translateY(-4px); box-shadow: var(--sombra); }
.tarjeta img { border-radius: 12px; margin-bottom: 20px; aspect-ratio: 16 / 10; object-fit: cover; width: 100%; }
.tarjeta p { color: var(--suave); margin-bottom: 0; }
.tarjeta .num {
  width: 44px; height: 44px; border-radius: 50%; background: var(--amarillo); color: var(--tinta);
  font-weight: 700; display: grid; place-items: center; margin-bottom: 16px;
}
.imagen-redonda { border-radius: 24px; box-shadow: var(--sombra); }
.lista-check { list-style: none; padding: 0; margin: 20px 0 0; }
.lista-check li { padding-left: 34px; position: relative; margin-bottom: 12px; }
.lista-check li::before {
  content: "✓"; position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%;
  background: var(--amarillo); color: var(--tinta); font-size: .8rem; font-weight: 700; display: grid; place-items: center;
}

/* ---------- Servicios ---------- */
.servicio h3 { display: flex; align-items: center; gap: 10px; }

/* ---------- Simulador ---------- */
.simulador { display: grid; grid-template-columns: 1.1fr .9fr; gap: 0; border-radius: 24px; overflow: hidden; box-shadow: var(--sombra); background: #fff; }
.sim-form { padding: clamp(24px, 4vw, 44px); }
.sim-res { background: var(--tinta); color: #fff; padding: clamp(24px, 4vw, 44px); display: flex; flex-direction: column; justify-content: center; }
.sim-res h3 { color: #fff; }
.sim-res .grande { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 700; color: var(--amarillo); line-height: 1.1; margin: 6px 0 20px; }
.sim-res dl { display: grid; grid-template-columns: 1fr auto; gap: 10px 16px; margin: 0 0 24px; font-size: .95rem; }
.sim-res dt { color: var(--gris-300); }
.sim-res dd { margin: 0; font-weight: 600; text-align: right; }
.sim-res small { color: #a8a8a8; font-size: .78rem; display: block; margin-top: 14px; }
.campo { margin-bottom: 22px; }
.campo label { display: flex; justify-content: space-between; font-weight: 500; color: var(--tinta); margin-bottom: 8px; font-size: .95rem; }
.campo output { color: var(--negro); font-weight: 700; background: var(--amarillo-claro); padding: 0 8px; border-radius: 6px; }
input[type=range] { width: 100%; accent-color: var(--negro); }
.opciones-plazo { display: flex; gap: 8px; flex-wrap: wrap; }
.opciones-plazo label { margin: 0; }
.opciones-plazo input { position: absolute; opacity: 0; pointer-events: none; }
.opciones-plazo span {
  display: inline-block; padding: 8px 16px; border: 1.5px solid var(--linea); border-radius: 999px; cursor: pointer; font-weight: 500;
}
.opciones-plazo input:checked + span { background: var(--amarillo); border-color: var(--amarillo); color: var(--tinta); }
.opciones-plazo input:focus-visible + span { outline: 2px solid var(--tinta); outline-offset: 2px; }
@media (max-width: 880px) { .simulador { grid-template-columns: 1fr; } }

/* ---------- Comparativa ---------- */
.tabla-wrap { overflow-x: auto; border-radius: var(--radio); border: 1px solid var(--linea); background: #fff; }
.tabla { width: 100%; border-collapse: collapse; min-width: 560px; }
.tabla th, .tabla td { padding: 18px 20px; text-align: center; border-bottom: 1px solid var(--linea); }
.tabla tr:last-child td { border-bottom: 0; }
.tabla th:first-child, .tabla td:first-child { text-align: left; font-weight: 500; color: var(--tinta); }
.tabla thead th { font-weight: 600; color: var(--tinta); }
.tabla .hg { background: var(--amarillo-claro); }
.tabla thead .hg { background: var(--amarillo); }
.si { color: var(--negro); font-size: 1.3rem; font-weight: 700; }
.no { color: var(--gris-300); font-size: 1.2rem; }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq details { border: 1px solid var(--linea); border-radius: 14px; padding: 0 22px; margin-bottom: 12px; background: #fff; }
.faq summary {
  cursor: pointer; list-style: none; padding: 20px 0; font-weight: 600; color: var(--tinta);
  display: flex; justify-content: space-between; gap: 16px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--negro); transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--suave); padding-bottom: 20px; margin: 0; }

/* ---------- CTA ---------- */
.cta {
  background: var(--amarillo); border-radius: 28px; padding: clamp(32px, 6vw, 64px);
  display: grid; grid-template-columns: 1.3fr .7fr; gap: 32px; align-items: center;
}
.cta h2 { margin-bottom: .3em; }
.cta p { color: var(--tinta); opacity: .85; }
.cta .acciones { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 20px; }
.cta img { max-height: 260px; margin-inline: auto; }
@media (max-width: 880px) { .cta { grid-template-columns: 1fr; } .cta img { max-height: 180px; } }

/* ---------- Contacto ---------- */
.contacto-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 48px; }
@media (max-width: 880px) { .contacto-grid { grid-template-columns: 1fr; } }
.dato { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 22px; }
.dato .icono { width: 46px; height: 46px; border-radius: 12px; background: var(--amarillo); color: var(--negro); display: grid; place-items: center; flex: none; }
.dato .icono svg { width: 22px; height: 22px; }
.dato strong { display: block; color: var(--tinta); }
.dato a { text-decoration: none; }
.formulario { background: #fff; border: 1px solid var(--linea); border-radius: 22px; padding: clamp(22px, 4vw, 36px); box-shadow: var(--sombra); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid .completo { grid-column: 1 / -1; }
@media (max-width: 600px) { .form-grid { grid-template-columns: 1fr; } }
.formulario label { display: block; font-weight: 500; font-size: .9rem; color: var(--tinta); margin-bottom: 6px; }
.formulario input, .formulario select, .formulario textarea {
  width: 100%; font: inherit; padding: 12px 14px; border: 1.5px solid var(--linea); border-radius: 12px; background: #fff; color: var(--tinta);
}
.formulario input:focus, .formulario select:focus, .formulario textarea:focus { outline: none; border-color: var(--negro); box-shadow: 0 0 0 4px rgba(253, 187, 45, .2); }
.formulario textarea { min-height: 120px; resize: vertical; }
.formulario .aviso { font-size: .8rem; color: var(--suave); margin: 14px 0; }
.form-estado { margin-top: 14px; font-weight: 500; }
.form-estado.ok { color: var(--ok); }
.form-estado.error { color: var(--error); }
.mapa { border: 0; width: 100%; height: 260px; border-radius: 16px; margin-top: 10px; }

/* ---------- Blog ---------- */
.post-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--linea); border-radius: var(--radio); overflow: hidden; text-decoration: none; transition: transform .2s, box-shadow .2s; }
.post-card:hover { transform: translateY(-4px); box-shadow: var(--sombra); }
.post-card img { aspect-ratio: 16 / 9; object-fit: cover; width: 100%; }
.post-card .cuerpo { padding: 24px; }
.post-card .meta { font-size: .85rem; color: var(--suave); margin-bottom: 8px; }
.post-card h3 { margin-bottom: 10px; }
.post-card p { color: var(--suave); font-size: .95rem; margin: 0; }
.articulo { max-width: 760px; margin: 0 auto; }
.articulo .meta { color: var(--suave); font-size: .92rem; margin-bottom: 28px; display: flex; gap: 12px; align-items: center; }
.articulo .meta img { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; }
.articulo .portada { border-radius: 20px; margin: 0 0 32px; }
.articulo h2 { font-size: 1.5rem; margin-top: 1.6em; }
.articulo p, .articulo li { font-size: 1.05rem; }
.articulo ol li { margin-bottom: 10px; }
.volver { display: inline-block; margin-bottom: 24px; color: var(--suave); text-decoration: none; }

/* ---------- Página interna (banner) ---------- */
.banner { background: linear-gradient(180deg, var(--gris-100), var(--blanco)); padding: clamp(48px, 7vw, 84px) 0 clamp(24px, 4vw, 40px); text-align: center; }
.banner p { color: var(--suave); max-width: 640px; margin: 0 auto; font-size: 1.08rem; }

/* ---------- Footer ---------- */
.footer { background: var(--negro); color: var(--gris-300); padding: 64px 0 28px; margin-top: 0; }
.footer a { color: var(--blanco); text-decoration: none; }
.footer a:hover { color: var(--amarillo); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
.footer h4 { color: #fff; font-size: 1rem; margin-bottom: 14px; }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer li { margin-bottom: 8px; }
.footer .logo-footer { display: inline-block; margin-bottom: 18px; }
.footer .logo-footer img { height: 56px; width: auto; }
.redes { display: flex; gap: 10px; margin-top: 12px; }
.redes a { width: 40px; height: 40px; border-radius: 50%; background: rgba(255, 255, 255, .08); display: grid; place-items: center; }
.redes a:hover { background: var(--amarillo); color: var(--tinta); }
.redes svg { width: 18px; height: 18px; }
.footer-legal { border-top: 1px solid rgba(255, 255, 255, .1); margin-top: 40px; padding-top: 22px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .85rem; }
@media (max-width: 880px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- WhatsApp flotante ---------- */
.wa-flotante {
  position: fixed; right: 20px; bottom: 20px; z-index: 60; width: 60px; height: 60px; border-radius: 50%;
  background: #25d366; color: #fff; display: grid; place-items: center; box-shadow: 0 10px 24px rgba(37, 211, 102, .45);
  transition: transform .2s;
}
.wa-flotante:hover { transform: scale(1.08); }
.wa-flotante svg { width: 32px; height: 32px; }

/* ---------- Animación de aparición ---------- */
.revelar { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.revelar.visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .revelar { opacity: 1; transform: none; transition: none; }
  * { transition: none !important; }
}

/* ---------- Agenda (Cal.com) ---------- */
.agenda-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 48px; align-items: start; }
.agenda-grid aside { position: sticky; top: 100px; }
.cal-inline { min-height: 640px; width: 100%; border: 1px solid var(--linea); border-radius: 22px; overflow: auto; background: #fff; }
.cal-cargando { text-align: center; color: var(--suave); padding: 48px 16px; }
@media (max-width: 880px) { .agenda-grid { grid-template-columns: 1fr; } .agenda-grid aside { position: static; } }
.cal-inline:has(iframe) .cal-cargando { display: none; }

/* ---------- Consentimiento ---------- */
.consentimiento { margin: 18px 0; display: grid; gap: 10px; }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: .86rem; color: var(--texto); font-weight: 400 !important; cursor: pointer; }
.check input { width: 18px; height: 18px; margin: 2px 0 0; flex: none; accent-color: var(--negro); }

/* ---------- FAQ completa ---------- */
.faq .respuesta { color: var(--suave); padding-bottom: 20px; }
.faq .respuesta p:last-child { margin-bottom: 0; }
.faq .respuesta ul, .faq .respuesta ol { padding-left: 20px; margin: 0 0 12px; }
.faq .respuesta li { margin-bottom: 6px; }
.faq-grupo { margin-bottom: 40px; }
.faq-grupo h2 { font-size: 1.4rem; scroll-margin-top: 100px; }
.faq-indice { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; margin-top: 20px !important; }
.faq-indice a { text-decoration: none; font-size: .88rem; padding: 6px 14px; border: 1.5px solid var(--linea); border-radius: 999px; background: #fff; color: var(--tinta); }
.faq-indice a:hover { border-color: var(--amarillo); }

/* ---------- Páginas legales ---------- */
.legal h2 { scroll-margin-top: 100px; }
.legal h3 { margin-top: 1.4em; font-size: 1.05rem; }
.indice { background: var(--fondo-alt); border: 1px solid var(--linea); border-radius: 16px; padding: 18px 22px; margin-bottom: 28px; }
.indice ol { margin: 0; padding-left: 20px; columns: 2; column-gap: 32px; }
.indice li { margin-bottom: 6px; break-inside: avoid; }
.indice a { text-decoration: none; color: var(--tinta); }
@media (max-width: 600px) { .indice ol { columns: 1; } }

/* ---------- Logos de aliados ---------- */
.banda-logos { padding: 36px 0 8px; }
.banda-titulo { text-align: center; color: var(--suave); font-size: .92rem; margin-bottom: 22px; }
.logos { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 22px 44px; }
.logos li { display: flex; align-items: center; justify-content: center; height: 44px; }
.logos img { height: 30px; max-width: 130px; width: auto; object-fit: contain;
  filter: grayscale(1); opacity: .7; transition: filter .2s, opacity .2s; }
.logos li:hover img { filter: none; opacity: 1; }
.logos--grande { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 16px; }
.logos--grande li { height: 96px; background: #fff; border: 1px solid var(--linea); border-radius: 16px; padding: 18px; }
.logos--grande img { height: 46px; max-width: 150px; filter: none; opacity: 1; }
@media (max-width: 600px) {
  .logos { gap: 16px 28px; }
  .logos img { height: 24px; max-width: 100px; }
  .logos--grande { grid-template-columns: repeat(2, 1fr); }
  .logos--grande img { height: 38px; max-width: 120px; }
}

/* ---------- Servicios ---------- */
.grid-serv { display: grid; grid-template-columns: repeat(auto-fill, minmax(210px, 1fr)); gap: 16px; }
.tarjeta-serv { display: flex; flex-direction: column; gap: 10px; background: var(--blanco); border: 1px solid var(--linea); border-radius: var(--radio);
  padding: 24px 22px; text-decoration: none; color: inherit; transition: transform .2s, box-shadow .2s, border-color .2s; }
.tarjeta-serv:hover { transform: translateY(-4px); box-shadow: var(--sombra); border-color: var(--negro); }
.tarjeta-serv h3 { margin: 6px 0 0; font-size: 1.08rem; }
.tarjeta-serv p { color: var(--suave); font-size: .92rem; margin: 0; flex: 1; }
.tarjeta-serv .mas { font-weight: 600; font-size: .9rem; color: var(--negro); }
.tarjeta-serv:hover .mas { text-decoration: underline; text-decoration-color: var(--amarillo); text-decoration-thickness: 2px; text-underline-offset: 4px; }
.icono-serv { width: 52px; height: 52px; border-radius: 14px; background: var(--amarillo); color: var(--negro); display: grid; place-items: center; flex: none; }
.icono-serv svg { width: 28px; height: 28px; }
.icono-serv--grande { width: 84px; height: 84px; border-radius: 22px; }
.icono-serv--grande svg { width: 44px; height: 44px; }
.fila-contacto, .acciones-inline { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.fila-contacto { justify-content: center; margin-top: 36px; }
.acciones-inline { margin-top: 24px; }
.btn-texto { color: var(--negro); font-weight: 600; font-size: .95rem; text-decoration: underline; text-decoration-color: var(--amarillo); text-decoration-thickness: 2px; text-underline-offset: 4px; }

.serv-indice { position: sticky; top: 76px; z-index: 40; background: rgba(255,255,255,.95); backdrop-filter: blur(8px); border-bottom: 1px solid var(--linea); }
.serv-indice .contenedor { display: flex; gap: 8px; overflow-x: auto; padding: 12px 0; scrollbar-width: none; }
.serv-indice .contenedor::-webkit-scrollbar { display: none; }
.serv-indice a { white-space: nowrap; text-decoration: none; font-size: .88rem; font-weight: 500; padding: 7px 14px; border: 1.5px solid var(--linea); border-radius: 999px; color: var(--tinta); background: #fff; }
.serv-indice a:hover { border-color: var(--negro); }
.serv-detalle { scroll-margin-top: 140px; }
.serv-cabecera { display: flex; gap: 28px; align-items: flex-start; margin-bottom: 36px; }
.serv-cabecera h2 { margin-bottom: .35em; }
.serv-cabecera .lead { color: var(--texto); font-size: 1.08rem; max-width: 820px; margin: 0; }
.serv-num { display: block; font-weight: 700; font-size: .85rem; letter-spacing: .1em; color: var(--suave); margin-bottom: 4px; }
.serv-cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.serv-col { background: var(--blanco); border: 1px solid var(--linea); border-radius: var(--radio); padding: 24px; }
.serv-col h3 { font-size: 1rem; margin-bottom: 4px; }
.serv-col .lista-check { margin-top: 14px; }
.serv-col .lista-check li { font-size: .94rem; }
.tip { margin: 20px 0 0; padding: 16px 20px; border-left: 4px solid var(--amarillo); background: var(--amarillo-claro); border-radius: 0 12px 12px 0; color: var(--texto); }
.requisitos-gen { display: grid; grid-template-columns: 1.5fr 1fr; gap: 28px; align-items: stretch; }
.requisitos-cta { background: var(--negro); color: var(--gris-300); border-radius: 24px; padding: 32px; display: flex; flex-direction: column; justify-content: center; align-items: flex-start; }
.requisitos-cta h3 { color: #fff; font-size: 1.4rem; }
@media (max-width: 960px) {
  .serv-cols, .requisitos-gen { grid-template-columns: 1fr; }
  .serv-cabecera { flex-direction: column; gap: 16px; }
}
@media (max-width: 1100px) { .serv-indice { top: 76px; } }

/* ---------- Ilustraciones ---------- */
.hero-img--ilus img { border-radius: 0; box-shadow: none; aspect-ratio: auto; object-fit: contain; }
.hero-img--ilus .hero-badge { left: 0; bottom: -10px; }
.foto-bienvenida { position: relative; }
.foto-bienvenida .imagen-redonda { aspect-ratio: 4 / 3.4; object-fit: cover; width: 100%; }
.foto-bienvenida .sticker { position: absolute; right: -18px; bottom: -28px; width: 150px; background: var(--blanco); border-radius: 22px; padding: 10px; box-shadow: var(--sombra); }

.grid-ilus { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.tarjeta-ilus { display: flex; flex-direction: column; background: var(--blanco); border: 1px solid var(--linea); border-radius: 22px; overflow: hidden;
  text-decoration: none; color: inherit; transition: transform .2s, box-shadow .2s; }
.tarjeta-ilus:hover { transform: translateY(-5px); box-shadow: 0 16px 36px rgba(0,0,0,.12); }
.tarjeta-ilus .ilus { display: block; height: 240px; overflow: hidden; }
.tarjeta-ilus .ilus img { width: 100%; height: 100%; object-fit: cover; object-position: center 72%; transition: transform .35s; }
.tarjeta-ilus:hover .ilus img { transform: scale(1.04); }
.tarjeta-ilus .cuerpo { display: flex; flex-direction: column; gap: 8px; padding: 22px 24px 24px; flex: 1; }
.tarjeta-ilus h3 { margin: 0; font-size: 1.2rem; }
.tarjeta-ilus p { margin: 0; color: var(--suave); font-size: .95rem; flex: 1; }
.tarjeta-ilus .mas { font-weight: 600; font-size: .92rem; color: var(--negro); }
.tarjeta-ilus:hover .mas { text-decoration: underline; text-decoration-color: var(--amarillo); text-decoration-thickness: 2px; text-underline-offset: 4px; }
.subtitulo-serv { text-align: center; margin: 48px 0 18px; font-size: 1.15rem; }
.grid-mini { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.tarjeta-mini { display: flex; gap: 14px; align-items: flex-start; background: var(--blanco); border: 1px solid var(--linea); border-radius: 16px; padding: 18px;
  text-decoration: none; color: inherit; transition: border-color .2s, transform .2s; }
.tarjeta-mini:hover { border-color: var(--negro); transform: translateY(-3px); }
.tarjeta-mini .icono-serv { width: 44px; height: 44px; border-radius: 12px; }
.tarjeta-mini .icono-serv svg { width: 24px; height: 24px; }
.tarjeta-mini strong { display: block; color: var(--tinta); font-size: .98rem; margin-bottom: 2px; }
.tarjeta-mini small { color: var(--suave); font-size: .85rem; line-height: 1.45; display: block; }
@media (max-width: 1000px) { .grid-ilus { grid-template-columns: repeat(2, 1fr); } .grid-mini { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .grid-ilus, .grid-mini { grid-template-columns: 1fr; } .tarjeta-ilus .ilus { height: 220px; } }

.beneficio-digital { margin-bottom: 40px; }
.beneficio-digital h3 { font-size: 1.4rem; margin-top: 1.2em; }
.beneficios article { text-align: center; padding: 8px 12px; }
.beneficios img { height: 190px; width: 100%; object-fit: contain; margin: 0 auto 18px; }
.beneficios p { color: var(--suave); }
.ilus-centro { display: block; width: min(560px, 100%); margin: 0 auto 36px; }
.cta-ilus { max-height: 220px !important; width: 100%; object-fit: contain; }
.ilus-tarjeta { height: 120px; width: 100%; object-fit: contain; margin-bottom: 16px; aspect-ratio: auto !important; border-radius: 0 !important; }

.serv-cabecera { display: grid !important; grid-template-columns: 1fr 300px; gap: 40px; align-items: center; }
.serv-num { display: flex !important; align-items: center; gap: 12px; margin-bottom: 12px !important; }
.serv-num .icono-serv { width: 40px; height: 40px; border-radius: 10px; }
.serv-num .icono-serv svg { width: 22px; height: 22px; }
.serv-ilus { width: 100%; max-height: 260px; object-fit: contain; }
.serv-ilus--color { border-radius: 22px; object-fit: cover; object-position: center 72%; height: 260px; box-shadow: var(--sombra); }
@media (max-width: 960px) { .serv-cabecera { grid-template-columns: 1fr; } .serv-ilus { max-width: 360px; } }

/* ---------- Landing de asesoría (incrustada y tarjeta) ---------- */
.marco-landing { border: 1px solid var(--linea); border-radius: 24px; overflow: hidden; box-shadow: var(--sombra); background: var(--blanco); }
.marco-landing iframe { display: block; width: 100%; height: 1140px; border: 0; }
@media (max-width: 1099px) { .marco-landing iframe { height: 1400px; } }
@media (max-width: 639px) { .marco-landing iframe { height: 1480px; } }
@media (max-width: 479px) { .marco-landing iframe { height: 1700px; } }
.nota-landing { text-align: center; color: var(--suave); font-size: .9rem; margin-top: 14px; }
.mapa--grande { height: 100%; min-height: 320px; margin-top: 0; }
.tarjeta-solicitud { background: var(--blanco); border: 1px solid var(--linea); border-radius: 22px; padding: clamp(24px, 4vw, 36px); box-shadow: var(--sombra); }
.tarjeta-solicitud h3 { font-size: 1.45rem; }
.tarjeta-solicitud .lista-check { margin: 18px 0 24px; }
.tarjeta-solicitud .aviso { margin: 16px 0 0; color: var(--suave); font-size: .9rem; }
.btn-texto--claro { color: var(--gris-300); margin-top: 14px; display: inline-block; font-size: .9rem; }

/* ---------- ¿Cuánto me prestan? ---------- */
.sim-prestamo { grid-column: 1 / -1; background: var(--amarillo-claro); border-top: 1px solid var(--linea); padding: 24px clamp(24px, 4vw, 44px);
  display: grid; grid-template-columns: 1.4fr 1fr; gap: 24px; align-items: center; }
.sim-prestamo .etiqueta { margin-bottom: 8px; }
.sim-prestamo-texto { font-size: 1.08rem; color: var(--tinta); margin: 0 0 8px; }
.sim-prestamo small { color: var(--suave); font-size: .8rem; }
.sim-alerta { margin: 0; font-size: .92rem; font-weight: 500; }
.sim-alerta--bien { color: var(--ok); }
.sim-alerta--mal { color: #b45309; }
@media (max-width: 880px) { .sim-prestamo { grid-template-columns: 1fr; } }

/* ---------- Nosotros: misión y valores / estados ---------- */
.mision { display: grid; grid-template-columns: 260px 1fr; gap: 40px; align-items: center; background: var(--fondo-alt); border-radius: 24px; padding: clamp(24px, 4vw, 44px); }
.mision h2 { margin: 0; font-size: clamp(1.4rem, 2.6vw, 2rem); }
.valores .tarjeta h3 { font-size: 1.3rem; }
.valores .tarjeta h3::before { content: ""; display: block; width: 36px; height: 4px; background: var(--amarillo); border-radius: 2px; margin-bottom: 14px; }
@media (max-width: 700px) { .mision { grid-template-columns: 1fr; } .mision img { max-width: 200px; } }
.estados { list-style: none; padding: 0; margin: 0 auto; max-width: 980px; display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }
.estados li { background: var(--blanco); border: 1.5px solid var(--linea); border-radius: 999px; padding: 8px 16px; font-weight: 500; color: var(--tinta); font-size: .92rem; }
.estados li:nth-child(3) { background: var(--amarillo); border-color: var(--amarillo); }

/* ---------- Aliados ---------- */
.alinea-arriba { align-items: start; }
#club-genial .logos { justify-content: flex-start; margin-top: 8px; }

/* ---------- Cobertura nacional ---------- */
.cobertura { display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; align-items: center; max-width: 1000px; margin: 0 auto; }
.cobertura img { width: 100%; }
@media (max-width: 760px) { .cobertura { grid-template-columns: 1fr; gap: 20px; } .cobertura img { max-width: 360px; margin: 0 auto; } }