/* ============================================================
   HORIZONTETECH SPA — Main Stylesheet
   Paleta: #0B3C5D (azul) | #D4A437 (dorado) | #FAFAF8 (fondo) | #1F7A5C (verde)
   ============================================================ */

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --blue:    #0B3C5D;
  --blue-mid:#1A5276;
  --blue-lt: #1E6FA8;
  --gold:    #D4A437;
  --gold-lt: #E8C06A;
  --green:   #1F7A5C;
  --green-lt:#27A87D;
  --bg:      #FAFAF8;
  --bg2:     #F2F0EC;
  --white:   #FFFFFF;
  --text:    #1C2B3A;
  --text-mid:#4A5568;
  --text-lt: #718096;
  --border:  #DDD8D0;
  --shadow:  0 4px 24px rgba(11,60,93,.10);
  --shadow-lg:0 8px 40px rgba(11,60,93,.16);
  --radius:  12px;
  --radius-lg:20px;
  --trans:   .25s ease;
  --font:    system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --nav-h:   72px;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a  { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font); }

/* ---------- Scrollbar ---------- */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--bg2); }
::-webkit-scrollbar-thumb { background: var(--blue-mid); border-radius: 3px; }

/* ---------- Typography ---------- */
h1,h2,h3,h4,h5 { line-height: 1.25; font-weight: 700; color: var(--blue); }
h1 { font-size: clamp(2rem, 4vw, 3.2rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.4rem); }
h3 { font-size: clamp(1.1rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; }
p  { color: var(--text-mid); }

.section-label {
  display: inline-block;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: .6rem;
}

/* ---------- Layout Utilities ---------- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 80px 0; }
.section-sm { padding: 56px 0; }
.text-center { text-align: center; }
.flex       { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.grid-2     { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3     { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4     { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* Prevent common flex/grid overflow issues */
.container > * { min-width: 0; }
.hero-inner > *,
.about-grid > *,
.product-info-grid > *,
.contact-grid > *,
.compliance-grid > *,
.footer-inner > * { min-width: 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 8px;
  font-size: .95rem;
  font-weight: 600;
  transition: var(--trans);
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: var(--gold);
  color: var(--blue);
}
.btn-primary:hover {
  background: var(--gold-lt);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(212,164,55,.35);
}
.btn-outline {
  border-color: var(--white);
  color: var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--blue);
}
.btn-blue {
  background: var(--blue);
  color: var(--white);
}
.btn-blue:hover {
  background: var(--blue-mid);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}
.btn-green {
  background: var(--green);
  color: var(--white);
}
.btn-green:hover {
  background: var(--green-lt);
  transform: translateY(-2px);
}

/* ---------- Navigation ---------- */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-h);
  background: rgba(11,60,93,.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(212,164,55,.2);
  transition: var(--trans);
}
#navbar.scrolled {
  box-shadow: 0 4px 24px rgba(0,0,0,.25);
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.nav-logo-icon {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--gold) 0%, #B8892A 100%);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 900;
  color: var(--blue);
  flex-shrink: 0;
  letter-spacing: -.02em;
}
.nav-brand-text { display: flex; flex-direction: column; }
.nav-brand-name {
  font-size: .95rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: .04em;
  line-height: 1.1;
}
.nav-brand-sub {
  font-size: .65rem;
  color: var(--gold-lt);
  letter-spacing: .08em;
  text-transform: uppercase;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links a {
  padding: 8px 14px;
  font-size: .9rem;
  font-weight: 500;
  color: rgba(255,255,255,.85);
  border-radius: 6px;
  transition: var(--trans);
  position: relative;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--gold);
  background: rgba(212,164,55,.1);
}
.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: 2px; left: 50%;
  transform: translateX(-50%);
  width: 20px; height: 2px;
  background: var(--gold);
  border-radius: 2px;
}
.nav-cta {
  background: var(--gold);
  color: var(--blue) !important;
  font-weight: 700 !important;
  padding: 9px 20px !important;
}
.nav-cta:hover {
  background: var(--gold-lt) !important;
  color: var(--blue) !important;
}

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 6px;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--trans);
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav */
.nav-mobile {
  display: none;
  position: fixed;
  top: var(--nav-h); left: 0; right: 0;
  background: var(--blue);
  z-index: 999;
  padding: 16px 24px 24px;
  border-bottom: 2px solid var(--gold);
  box-shadow: 0 8px 32px rgba(0,0,0,.3);
}
.nav-mobile.open { display: block; }
.nav-mobile a {
  display: block;
  padding: 12px 0;
  font-size: 1rem;
  font-weight: 500;
  color: rgba(255,255,255,.85);
  border-bottom: 1px solid rgba(255,255,255,.08);
  transition: var(--trans);
}
.nav-mobile a:hover { color: var(--gold); padding-left: 8px; }
.nav-mobile a:last-child { border-bottom: none; }

/* ---------- Hero ---------- */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--blue) 0%, #0D4F7A 40%, #0F5C8A 70%, #0B3C5D 100%);
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  padding-top: var(--nav-h);
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 70% 50%, rgba(212,164,55,.08) 0%, transparent 70%),
    radial-gradient(ellipse 40% 60% at 20% 80%, rgba(31,122,92,.12) 0%, transparent 60%);
}
/* Andes mountain silhouette */
.hero-mountain {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 220px;
  overflow: hidden;
  pointer-events: none;
}
.hero-mountain svg { width: 100%; height: 100%; }

.hero-inner {
  position: relative;
  z-index: 2;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  width: 100%;
}
.hero-content { color: var(--white); }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(212,164,55,.15);
  border: 1px solid rgba(212,164,55,.35);
  color: var(--gold-lt);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 24px;
}
.hero-badge::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%,100% { opacity: 1; transform: scale(1); }
  50%      { opacity: .5; transform: scale(1.4); }
}
.hero-title {
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 20px;
}
.hero-title span { color: var(--gold); }
.hero-subtitle {
  font-size: 1.1rem;
  color: rgba(255,255,255,.75);
  max-width: 480px;
  margin-bottom: 36px;
  line-height: 1.7;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.12);
}
.hero-stat-num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--gold);
  display: block;
}
.hero-stat-lbl {
  font-size: .8rem;
  color: rgba(255,255,255,.6);
  text-transform: uppercase;
  letter-spacing: .06em;
}

/* Hero visual */
.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero-card-main {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.15);
  backdrop-filter: blur(20px);
  border-radius: var(--radius-lg);
  padding: 36px;
  width: 100%;
  max-width: 380px;
  color: var(--white);
}
.hero-card-main h3 {
  color: var(--gold);
  font-size: 1rem;
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: .08em;
}
.hero-feature-list { display: flex; flex-direction: column; gap: 14px; }
.hero-feature-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: .9rem;
  color: rgba(255,255,255,.85);
}
.hero-feature-icon {
  width: 32px; height: 32px;
  background: rgba(212,164,55,.2);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}
.hero-float-badge {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius);
  padding: 12px 16px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .82rem;
  font-weight: 600;
  color: var(--blue);
  white-space: nowrap;
  animation: float 4s ease-in-out infinite;
}
.hero-float-badge.badge-1 { top: -20px; right: -20px; animation-delay: 0s; }
.hero-float-badge.badge-2 { bottom: -10px; left: -30px; animation-delay: 2s; }
.hero-float-badge .badge-icon {
  width: 28px; height: 28px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
}
.badge-icon.green { background: rgba(31,122,92,.12); }
.badge-icon.gold  { background: rgba(212,164,55,.15); }
@keyframes float {
  0%,100% { transform: translateY(0); }
  50%      { transform: translateY(-8px); }
}

/* ---------- Section Headers ---------- */
.section-header { margin-bottom: 56px; }
.section-header.text-center { text-align: center; }
.section-header h2 { margin-bottom: 16px; }
.section-header p {
  font-size: 1.05rem;
  max-width: 600px;
  color: var(--text-mid);
}
.section-header.text-center p { margin: 0 auto; }
.divider {
  width: 56px; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--green));
  border-radius: 2px;
  margin-bottom: 20px;
}
.text-center .divider { margin: 0 auto 20px; }

/* ---------- Cards ---------- */
.card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: var(--trans);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(212,164,55,.3);
}
.card-icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
}
.card-icon.blue  { background: rgba(11,60,93,.08); }
.card-icon.gold  { background: rgba(212,164,55,.12); }
.card-icon.green { background: rgba(31,122,92,.10); }
.card h3 { margin-bottom: 10px; font-size: 1.1rem; }
.card p  { font-size: .9rem; line-height: 1.65; }

/* ---------- Services Section ---------- */
.services-bg { background: var(--bg2); }
.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 28px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: var(--trans);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--blue), var(--blue-lt));
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--trans);
}
.service-card:hover::before { transform: scaleX(1); }
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}
.service-num {
  font-size: 2.5rem;
  font-weight: 900;
  color: rgba(11,60,93,.06);
  position: absolute;
  top: 16px; right: 20px;
  line-height: 1;
}
.service-icon {
  width: 60px; height: 60px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-mid) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 20px;
  color: var(--white);
}
.service-card h3 { color: var(--blue); margin-bottom: 12px; }
.service-card p  { font-size: .9rem; color: var(--text-mid); line-height: 1.7; }
.service-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 20px;
}
.tag {
  font-size: .75rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 100px;
  background: rgba(11,60,93,.06);
  color: var(--blue-mid);
  border: 1px solid rgba(11,60,93,.1);
}

/* ---------- Products / Calculator ---------- */
.products-section { background: var(--white); }
.product-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 40px;
  flex-wrap: wrap;
}
.product-tab {
  padding: 10px 22px;
  border-radius: 8px;
  font-size: .9rem;
  font-weight: 600;
  border: 2px solid var(--border);
  background: var(--white);
  color: var(--text-mid);
  transition: var(--trans);
}
.product-tab.active,
.product-tab:hover {
  border-color: var(--blue);
  background: var(--blue);
  color: var(--white);
}
.product-panel { display: none; }
.product-panel.active { display: block; }

.product-info-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 48px;
  align-items: start;
}
.product-details h3 { color: var(--blue); margin-bottom: 16px; }
.product-details p  { margin-bottom: 20px; font-size: .95rem; }
.product-specs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 24px;
}
.spec-item {
  background: var(--bg2);
  border-radius: 10px;
  padding: 16px;
}
.spec-label {
  font-size: .75rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--text-lt);
  margin-bottom: 4px;
}
.spec-value {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--blue);
}

/* Calculator */
.calculator-box {
  background: var(--bg2);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--border);
}
.calculator-box h3 {
  color: var(--blue);
  margin-bottom: 24px;
  font-size: 1.2rem;
}
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 8px;
}
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--border);
  border-radius: 8px;
  font-size: .95rem;
  font-family: var(--font);
  background: var(--white);
  color: var(--text);
  transition: var(--trans);
  appearance: none;
}
.form-control:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(11,60,93,.08);
}
.form-control option { color: var(--text); }
.calc-result {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-mid) 100%);
  border-radius: var(--radius);
  padding: 24px;
  color: var(--white);
  margin-top: 24px;
  display: none;
}
.calc-result.show { display: block; }
.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,.1);
  font-size: .9rem;
}
.calc-result-row:last-child { border-bottom: none; }
.calc-result-row .label { color: rgba(255,255,255,.7); }
.calc-result-row .value { font-weight: 700; color: var(--gold-lt); }
.calc-result-row.total .value { font-size: 1.2rem; color: var(--white); }
.disclaimer-text {
  font-size: .75rem;
  color: var(--text-lt);
  margin-top: 12px;
  line-height: 1.5;
}
#mortgage-simulate {
  background: linear-gradient(90deg, #4B44D5 0%, #5A4FE0 55%, #675BEA 100%);
  border: none;
  color: var(--white);
  font-weight: 700;
}
#mortgage-simulate:hover {
  transform: translateY(-1px);
  box-shadow: 0 8px 22px rgba(75,68,213,.25);
}
.mortgage-result {
  margin-top: 22px;
  background: #F4F5F7;
  border: 1px solid #E2E5EA;
  border-radius: 12px;
  padding: 18px 20px;
}
.mortgage-result-title {
  text-align: center;
  font-size: .86rem;
  color: #7A838F;
  letter-spacing: .08em;
  font-weight: 600;
}
.mortgage-result-main {
  text-align: center;
  font-size: clamp(2rem, 4vw, 2.6rem);
  line-height: 1.1;
  color: #2E6DE6;
  font-weight: 800;
  margin: 8px 0 16px;
}
.mortgage-result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.mortgage-result-box {
  background: #ECEFF3;
  border-radius: 8px;
  padding: 10px 12px;
  text-align: center;
}
.mortgage-result-box span {
  display: block;
  color: #5D6875;
  font-size: .82rem;
}
.mortgage-result-box strong {
  display: block;
  margin-top: 2px;
  color: #26384A;
  font-size: 1.25rem;
}
.mortgage-result-meta {
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px solid #D7DDE4;
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  color: #6D7682;
  font-size: .88rem;
}

/* ---------- About Section ---------- */
.about-section { background: var(--bg); }
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about-visual {
  position: relative;
}
.about-img-wrap {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-mid) 60%, var(--green) 100%);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.about-img-wrap::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 200px; height: 200px;
  background: rgba(212,164,55,.1);
  border-radius: 50%;
}
.about-img-wrap::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -30px;
  width: 160px; height: 160px;
  background: rgba(255,255,255,.05);
  border-radius: 50%;
}
.about-metric-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  position: relative;
  z-index: 1;
}
.about-metric {
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
}
.about-metric-num {
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold-lt);
  display: block;
}
.about-metric-lbl {
  font-size: .78rem;
  color: rgba(255,255,255,.7);
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-top: 4px;
}
.about-content h2 { margin-bottom: 20px; }
.about-content p  { margin-bottom: 16px; font-size: .97rem; }
.about-values {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 28px;
}
.about-value-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.about-value-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: rgba(11,60,93,.07);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.about-value-item h4 { font-size: .95rem; color: var(--blue); margin-bottom: 4px; }
.about-value-item p  { font-size: .85rem; color: var(--text-mid); }

/* ---------- Compliance Section ---------- */
.compliance-section { background: var(--bg2); }
.compliance-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.compliance-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
  border-left: 4px solid var(--blue);
}
.compliance-card.gold-border { border-left-color: var(--gold); }
.compliance-card.green-border { border-left-color: var(--green); }
.compliance-card h3 {
  color: var(--blue);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.compliance-card p { font-size: .9rem; line-height: 1.75; color: var(--text-mid); }

/* Conflict of Interest */
.conflict-section { background: var(--white); }
.conflict-content {
  max-width: 900px;
  margin: 0 auto;
}
.conflict-intro {
  background: linear-gradient(135deg, rgba(11,60,93,.04) 0%, rgba(31,122,92,.04) 100%);
  border: 1px solid rgba(11,60,93,.1);
  border-radius: var(--radius);
  padding: 28px 32px;
  margin-bottom: 32px;
}
.conflict-intro p { font-size: .97rem; line-height: 1.8; color: var(--text); }
.conflict-block { margin-bottom: 36px; }
.conflict-block h3 {
  color: var(--blue);
  font-size: 1.1rem;
  margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--bg2);
  display: flex;
  align-items: center;
  gap: 10px;
}
.conflict-block h3 .block-icon {
  width: 32px; height: 32px;
  background: var(--blue);
  color: var(--white);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  flex-shrink: 0;
}
.conflict-list { display: flex; flex-direction: column; gap: 12px; }
.conflict-list-item {
  display: flex;
  gap: 14px;
  padding: 16px;
  background: var(--bg2);
  border-radius: 10px;
  font-size: .9rem;
  line-height: 1.7;
  color: var(--text);
}
.conflict-list-item .item-letter {
  width: 28px; height: 28px;
  background: var(--blue);
  color: var(--white);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: .8rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.conflict-list-item.gold .item-letter { background: var(--gold); color: var(--blue); }
.conflict-principles { display: flex; flex-direction: column; gap: 12px; }
.principle-item {
  display: flex;
  gap: 14px;
  padding: 16px 20px;
  background: var(--bg2);
  border-radius: 10px;
  border-left: 3px solid var(--green);
}
.principle-item .p-letter {
  font-weight: 800;
  color: var(--green);
  font-size: 1rem;
  flex-shrink: 0;
  min-width: 20px;
}
.principle-item p { font-size: .9rem; line-height: 1.7; color: var(--text); }
.conflict-special-box {
  background: linear-gradient(135deg, rgba(11,60,93,.05) 0%, rgba(31,122,92,.05) 100%);
  border: 1px solid rgba(11,60,93,.12);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin-top: 16px;
}
.conflict-special-box p { font-size: .9rem; line-height: 1.8; color: var(--text); }
.escalation-box {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-mid) 100%);
  border-radius: var(--radius);
  padding: 28px 32px;
  color: var(--white);
  margin-top: 16px;
}
.escalation-box h4 {
  color: var(--gold-lt);
  margin-bottom: 12px;
  font-size: 1rem;
}
.escalation-box p { color: rgba(255,255,255,.85); font-size: .9rem; line-height: 1.75; }

/* ---------- Legal Document Cards (Cumplimiento) ---------- */
.legal-section-conflicts {
  background:
    radial-gradient(900px 300px at 20% 0%, rgba(212,164,55,.12) 0%, transparent 62%),
    linear-gradient(180deg, var(--bg2) 0%, #ECE9E2 100%);
}
.legal-section-disclaimer {
  background:
    radial-gradient(700px 260px at 80% 0%, rgba(31,122,92,.10) 0%, transparent 62%),
    linear-gradient(180deg, #F5F3EE 0%, var(--bg) 100%);
}
.legal-section .section-header {
  margin-bottom: 28px;
}
.legal-section .section-header h2 {
  letter-spacing: -.01em;
}
.legal-panel {
  max-width: 980px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid rgba(11,60,93,.12);
  border-radius: 18px;
  box-shadow: 0 12px 36px rgba(11,60,93,.09);
  overflow: hidden;
  position: relative;
}
.legal-panel::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--blue) 0%, var(--gold) 54%, var(--green) 100%);
}
.legal-doc {
  background: transparent;
  border: none;
  border-radius: 0;
  padding: 34px 38px;
  margin: 0;
}
.legal-doc p {
  color: var(--text);
  font-size: .97rem;
  line-height: 1.85;
  margin: 0;
}
.legal-doc p + p {
  margin-top: 12px;
}
.legal-doc .legal-lead {
  color: #263b50;
}
.legal-doc .legal-subtitle {
  color: var(--blue);
  font-weight: 700;
  margin-top: 20px;
  padding-top: 10px;
  border-top: 1px dashed rgba(11,60,93,.22);
}
.legal-doc .legal-bullet {
  padding: 10px 14px;
  border-left: 3px solid rgba(11,60,93,.22);
  border-radius: 9px;
  background: linear-gradient(90deg, rgba(11,60,93,.04) 0%, transparent 100%);
}
.legal-doc .legal-note {
  margin-top: 16px;
  padding: 14px 16px;
  border-radius: 10px;
  border: 1px solid rgba(31,122,92,.2);
  background: linear-gradient(135deg, rgba(31,122,92,.06) 0%, rgba(11,60,93,.05) 100%);
}
.legal-disclaimer .legal-emphasis {
  color: var(--blue);
  font-size: 1rem;
  font-weight: 700;
  padding: 14px 16px;
  border-radius: 10px;
  border: 1px solid rgba(212,164,55,.45);
  background: linear-gradient(135deg, rgba(212,164,55,.2) 0%, rgba(212,164,55,.06) 100%);
}
.legal-disclaimer .legal-paragraph {
  color: var(--text-mid);
}

/* ---------- FAQ ---------- */
.faq-section { background: var(--bg); }
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
  transition: var(--trans);
}
.faq-item.open { border-color: rgba(11,60,93,.25); }
.faq-question {
  width: 100%;
  background: var(--white);
  border: none;
  padding: 20px 24px;
  text-align: left;
  font-size: .97rem;
  font-weight: 600;
  color: var(--blue);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  transition: var(--trans);
}
.faq-question:hover { background: rgba(11,60,93,.02); }
.faq-question .faq-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: rgba(11,60,93,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--trans);
  font-size: .9rem;
  color: var(--blue);
}
.faq-item.open .faq-icon { background: var(--blue); color: var(--white); transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .35s ease;
}
.faq-answer-inner {
  padding: 0 24px 20px;
  font-size: .9rem;
  line-height: 1.75;
  color: var(--text-mid);
  background: var(--white);
}

/* ---------- Contact Section ---------- */
.contact-section { background: var(--bg2); }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 48px;
  align-items: start;
}
.contact-info h2 { margin-bottom: 16px; }
.contact-info p  { margin-bottom: 28px; font-size: .97rem; }
.contact-items { display: flex; flex-direction: column; gap: 20px; }
.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}
.contact-item-icon {
  width: 48px; height: 48px;
  background: var(--blue);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--white);
  flex-shrink: 0;
}
.contact-item-icon.gold { background: var(--gold); color: var(--blue); }
.contact-item-icon.green { background: var(--green); }
.contact-item-text h4 { font-size: .9rem; color: var(--blue); margin-bottom: 4px; }
.contact-item-text p  { font-size: .88rem; color: var(--text-mid); }
.contact-item-text,
.contact-item-text p,
.contact-item-text a {
  min-width: 0;
  overflow-wrap: anywhere;
  word-break: break-word;
}
.contact-form-box {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.contact-form-box h3 { color: var(--blue); margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group textarea.form-control {
  resize: vertical;
  min-height: 120px;
}
.form-submit-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-top: 8px;
  flex-wrap: wrap;
}
.form-note {
  font-size: .78rem;
  color: var(--text-lt);
  max-width: 260px;
}
.form-success {
  display: none;
  background: rgba(31,122,92,.08);
  border: 1px solid rgba(31,122,92,.25);
  border-radius: 8px;
  padding: 16px 20px;
  color: var(--green);
  font-size: .9rem;
  font-weight: 600;
  margin-top: 16px;
  align-items: center;
  gap: 10px;
}
.form-success.show { display: flex; }

/* ---------- Trust Bar ---------- */
.trust-bar {
  background: var(--blue);
  padding: 28px 0;
}
.trust-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,.8);
  font-size: .88rem;
}
.trust-item .t-icon {
  width: 36px; height: 36px;
  background: rgba(212,164,55,.2);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  color: var(--gold-lt);
  flex-shrink: 0;
}
.trust-item strong { color: var(--white); display: block; font-size: .9rem; }

/* ---------- CTA Banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-mid) 50%, var(--green) 100%);
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 300px; height: 300px;
  background: rgba(212,164,55,.08);
  border-radius: 50%;
}
.cta-banner::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -60px;
  width: 240px; height: 240px;
  background: rgba(255,255,255,.04);
  border-radius: 50%;
}
.cta-banner-inner { position: relative; z-index: 1; }
.cta-banner h2 { color: var(--white); margin-bottom: 16px; }
.cta-banner p  { color: rgba(255,255,255,.75); max-width: 540px; margin: 0 auto 32px; font-size: 1.05rem; }
.cta-banner .btn-primary { font-size: 1rem; padding: 15px 36px; }

/* ---------- Footer ---------- */
footer {
  background: #071E30;
  color: rgba(255,255,255,.7);
  padding: 64px 0 0;
}
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.2fr;
  gap: 48px;
}
.footer-inner-simple {
  grid-template-columns: 1fr 1fr;
  gap: 56px;
}
.footer-inner-brand {
  grid-template-columns: 1.4fr 1fr 1.2fr;
  gap: 48px;
}
.footer-brand { }
.footer-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
}
.footer-logo-icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--gold) 0%, #B8892A 100%);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 900;
  color: var(--blue);
}
.footer-logo-text { }
.footer-logo-name {
  font-size: 1rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: .04em;
  line-height: 1.1;
}
.footer-logo-sub {
  font-size: .65rem;
  color: var(--gold-lt);
  letter-spacing: .08em;
  text-transform: uppercase;
}
.footer-desc {
  font-size: .88rem;
  line-height: 1.75;
  color: rgba(255,255,255,.55);
  margin-bottom: 24px;
  max-width: 280px;
}
.footer-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(212,164,55,.12);
  border: 1px solid rgba(212,164,55,.25);
  color: var(--gold-lt);
  font-size: .75rem;
  font-weight: 600;
  padding: 6px 12px;
  border-radius: 6px;
}
.footer-col h4 {
  font-size: .85rem;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 20px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a {
  font-size: .88rem;
  color: rgba(255,255,255,.55);
  transition: var(--trans);
}
.footer-col ul li a:hover { color: var(--gold-lt); padding-left: 4px; }
.footer-contact-list { display: flex; flex-direction: column; gap: 14px; }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: .85rem;
  color: rgba(255,255,255,.55);
}
.footer-contact-key {
  color: var(--gold-lt);
  font-weight: 700;
  min-width: 76px;
  flex-shrink: 0;
}
.footer-contact-item .fc-icon {
  font-size: .95rem;
  flex-shrink: 0;
  margin-top: 1px;
  color: var(--gold-lt);
}
.footer-contact-item span:last-child {
  min-width: 0;
  overflow-wrap: anywhere;
  word-break: break-word;
}
.footer-bottom {
  max-width: 1200px;
  margin: 48px auto 0;
  padding: 20px 24px;
  border-top: 1px solid rgba(255,255,255,.08);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-bottom p { font-size: .82rem; color: rgba(255,255,255,.4); }
.footer-bottom-center {
  justify-content: center;
  text-align: center;
}
.footer-bottom-links {
  display: flex;
  gap: 20px;
}
.footer-bottom-links a {
  font-size: .82rem;
  color: rgba(255,255,255,.4);
  transition: var(--trans);
}
.footer-bottom-links a:hover { color: var(--gold-lt); }

/* ---------- Back to Top ---------- */
#back-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 44px; height: 44px;
  background: var(--blue);
  color: var(--white);
  border: none;
  border-radius: 50%;
  font-size: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  transform: translateY(16px);
  transition: var(--trans);
  z-index: 900;
  cursor: pointer;
}
#back-top.show { opacity: 1; transform: translateY(0); }
#back-top:hover { background: var(--gold); color: var(--blue); }

/* ---------- Page-specific hero (inner pages) ---------- */
.page-hero {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-mid) 100%);
  padding: 120px 0 64px;
  color: var(--white);
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p  { color: rgba(255,255,255,.75); max-width: 560px; margin: 0 auto; font-size: 1.05rem; }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: .85rem;
  color: rgba(255,255,255,.5);
  margin-bottom: 20px;
}
.breadcrumb a { color: var(--gold-lt); }
.breadcrumb span { color: rgba(255,255,255,.3); }

/* ---------- Animations ---------- */
.fade-up {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity .6s ease, transform .6s ease;
}
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-up-delay-1 { transition-delay: .1s; }
.fade-up-delay-2 { transition-delay: .2s; }
.fade-up-delay-3 { transition-delay: .3s; }
.fade-up-delay-4 { transition-delay: .4s; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { display: none; }
  .hero { min-height: auto; padding: 120px 0 80px; }
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 36px; }
  .product-info-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .compliance-grid { grid-template-columns: 1fr; }
  .footer-inner-simple { grid-template-columns: 1fr; gap: 28px; }
  .footer-inner-brand { grid-template-columns: 1fr; gap: 28px; }
}

@media (max-width: 768px) {
  :root { --nav-h: 64px; }
  .nav-inner {
    gap: 10px;
    padding: 0 16px;
  }
  .nav-brand {
    min-width: 0;
    gap: 10px;
    flex: 1;
  }
  .nav-logo-icon {
    width: 36px;
    height: 36px;
    font-size: 1rem;
  }
  .nav-brand-text { min-width: 0; }
  .nav-brand-name {
    font-size: .82rem;
    letter-spacing: .02em;
    white-space: nowrap;
    text-overflow: ellipsis;
    overflow: hidden;
    max-width: calc(100vw - 110px);
    overflow-wrap: anywhere;
    line-height: 1.2;
  }
  .nav-toggle { flex-shrink: 0; }
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
  .hero-stats { flex-wrap: wrap; gap: 20px; }
  .form-row { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .trust-bar-inner {
    justify-content: center;
    gap: 16px;
  }
  .trust-item {
    width: 100%;
    max-width: 360px;
    align-items: flex-start;
  }
  .trust-item > div {
    min-width: 0;
  }
  .product-specs { grid-template-columns: 1fr; }
  .contact-form-box { padding: 28px 20px; }
  .hero-badge {
    white-space: normal;
    text-align: center;
    justify-content: center;
    line-height: 1.45;
  }
  .hero-title,
  .page-hero h1,
  .section-header h2,
  .section-header p,
  .faq-question,
  .faq-answer-inner,
  .contact-item-text p,
  .footer-desc,
  .footer-contact-item,
  .legal-doc p,
  .conflict-intro p,
  .compliance-card p {
    overflow-wrap: anywhere;
    word-break: break-word;
  }
  .faq-question {
    align-items: flex-start;
  }
  .faq-question .faq-icon {
    margin-top: 2px;
  }
  .footer-contact-item {
    flex-wrap: wrap;
  }
  .footer-contact-key {
    min-width: 64px;
  }
  .rate-table {
    display: block;
    width: 100%;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }
  .rate-table th,
  .rate-table td {
    white-space: nowrap;
  }
  .legal-panel { border-radius: 14px; }
  .legal-doc {
    padding: 22px 18px;
  }
  .legal-doc p {
    font-size: .94rem;
    line-height: 1.78;
  }
  .legal-doc .legal-bullet,
  .legal-doc .legal-note,
  .legal-disclaimer .legal-emphasis {
    padding: 10px 12px;
  }
  .mortgage-result-grid { grid-template-columns: 1fr; }
  .mortgage-result-box strong { font-size: 1.1rem; }
  .compliance-card h3,
  .conflict-block h3 {
    display: block;
  }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .product-tabs { flex-direction: column; }
  .product-tab { text-align: center; }
  .btn {
    white-space: normal;
    text-align: center;
    justify-content: center;
  }
  .nav-brand-name {
    font-size: .76rem;
    max-width: calc(100vw - 102px);
  }
  .about-metric-grid { grid-template-columns: 1fr; }
  .about-metric { padding: 16px; }
  .breadcrumb {
    flex-wrap: wrap;
    row-gap: 4px;
  }
}

/* ---------- Print ---------- */
@media print {
  #navbar, #back-top, .nav-mobile { display: none !important; }
  .hero { min-height: auto; padding: 40px 0; }
}