/* ===================================================================
   ALIANZA CAPITAL — Hoja de estilos principal
   Estilo: minimalista, blanco protagonista, azul + naranja con disciplina
   =================================================================== */

/* ---------- 1. VARIABLES DE MARCA ---------- */
:root {
  /* Colores corporativos (tomados del logo) */
  --azul:          #1B3FB8;   /* azul principal (institucional, empresa) */
  --azul-oscuro:   #142E86;   /* azul para hover / fondos fuertes */
  --azul-claro:    #E8EEFC;   /* azul muy suave para fondos de sección */
  --naranja:       #F26A1B;   /* naranja de acento (persona, acción) */
  --naranja-claro: #FDEDE2;   /* naranja muy suave */

  /* Neutros */
  --blanco:        #FFFFFF;
  --gris-fondo:    #F7F8FA;   /* fondo de secciones alternas */
  --gris-borde:    #E6E8EC;   /* bordes sutiles */
  --texto:         #14181F;   /* texto principal (casi negro) */
  --texto-suave:   #5B6472;   /* texto secundario */

  /* Tipografía */
  --fuente: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Medidas */
  --radio:        24px;       /* bordes redondeados de tarjetas (más amigable) */
  --radio-grande: 32px;       /* secciones y bloques destacados */
  --radio-pill:   999px;      /* botones tipo píldora */
  --ancho-max:    1140px;     /* ancho máximo del contenido */
  --sombra:       0 4px 24px rgba(20, 24, 31, 0.06);
  --sombra-hover: 0 8px 32px rgba(27, 63, 184, 0.12);
}

/* ---------- 2. RESET BÁSICO ---------- */
* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--fuente);
  color: var(--texto);
  background: var(--blanco);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ---------- FONDO TÉCNICO FUTURISTA (malla + escaneo) ---------- */
.con-fondo { position: relative; overflow: hidden; }
.con-fondo > .contenedor { position: relative; z-index: 2; }
/* Cuadrícula técnica muy sutil */
.con-fondo::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(27, 63, 184, 0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(27, 63, 184, 0.045) 1px, transparent 1px);
  background-size: 44px 44px;
  z-index: 0;
  pointer-events: none;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 40%, #000 40%, transparent 100%);
  -webkit-mask-image: radial-gradient(ellipse 80% 80% at 50% 40%, #000 40%, transparent 100%);
}
/* Línea de escaneo que recorre la sección */
.con-fondo::after {
  content: "";
  position: absolute;
  left: 0; right: 0;
  height: 1.5px;
  background: linear-gradient(90deg, transparent, rgba(242, 106, 27, 0.35), transparent);
  z-index: 0;
  pointer-events: none;
  animation: escaneo 7s linear infinite;
}
@keyframes escaneo {
  0%   { top: -5%; opacity: 0; }
  10%  { opacity: 1; }
  90%  { opacity: 1; }
  100% { top: 105%; opacity: 0; }
}
/* Nodos de conexión (los .blob ahora son nodos sutiles) */
.blob {
  position: absolute;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: rgba(27, 63, 184, 0.45) !important;
  border: none;
  pointer-events: none;
  z-index: 1;
  opacity: 0.7;
}
.blob::before {
  content: "";
  position: absolute;
  inset: -5px;
  border: 1px solid rgba(27, 63, 184, 0.25);
  border-radius: 50%;
  animation: pulso-nodo 3s ease-in-out infinite;
}
@keyframes pulso-nodo {
  0%, 100% { transform: scale(1); opacity: 0.6; }
  50%      { transform: scale(1.8); opacity: 0; }
}
.blob-1 { top: 18%; left: 12%; }
.blob-2 { bottom: 22%; right: 14%; background: rgba(242, 106, 27, 0.5) !important; }
.blob-2::before { border-color: rgba(242, 106, 27, 0.3); animation-delay: 1s; }
.blob-3 { bottom: 30%; left: 70%; animation-delay: 2s; }
.con-fondo.fondo-naranja .blob-1 { background: rgba(242, 106, 27, 0.5) !important; }
.con-fondo.fondo-naranja .blob-1::before { border-color: rgba(242, 106, 27, 0.3); }
@media (prefers-reduced-motion: reduce) {
  .con-fondo::after, .blob::before { animation: none !important; }
}

/* ---------- 3. UTILIDADES DE LAYOUT ---------- */
.contenedor {
  max-width: var(--ancho-max);
  margin: 0 auto;
  padding: 0 24px;
}

.seccion {
  padding: 80px 0;
}

.seccion-gris   { background: var(--gris-fondo); }
/* "seccion-azul" ahora es blanca y limpia: el color vive solo en los detalles */
.seccion-azul   { background: var(--blanco); color: var(--texto); }
.seccion-azul h1,
.seccion-azul h2,
.seccion-azul h3 { color: var(--texto); }
.seccion-azul .lead { color: var(--texto-suave) !important; }

.centrado { text-align: center; }

/* ---------- 4. TIPOGRAFÍA ---------- */
h1 {
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.5px;
}
h2 {
  font-size: clamp(1.6rem, 3.5vw, 2.2rem);
  font-weight: 600;
  line-height: 1.25;
  letter-spacing: -0.3px;
  margin-bottom: 16px;
}
h3 {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 10px;
}
p { color: var(--texto-suave); }
.lead {
  font-size: 1.15rem;
  color: var(--texto-suave);
  max-width: 620px;
}
.centrado .lead { margin-left: auto; margin-right: auto; }

/* Etiqueta pequeña (badge) sobre los títulos */
.etiqueta {
  display: inline-block;
  background: var(--azul-claro);
  color: var(--azul);
  font-size: 0.8rem;
  font-weight: 500;
  padding: 6px 16px;
  border-radius: var(--radio-pill);
  margin-bottom: 18px;
}
.etiqueta.naranja {
  background: var(--naranja-claro);
  color: var(--naranja);
}

/* ---------- 5. BOTONES ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--fuente);
  font-size: 1rem;
  font-weight: 500;
  padding: 14px 30px;
  border-radius: var(--radio-pill);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
}
.btn-azul {
  background: var(--azul);
  color: var(--blanco);
}
.btn-azul:hover {
  background: var(--azul-oscuro);
  transform: translateY(-2px);
}
.btn-naranja {
  background: var(--naranja);
  color: var(--blanco);
}
.btn-naranja:hover {
  filter: brightness(0.95);
  transform: translateY(-2px);
}
.btn-borde {
  background: transparent;
  color: var(--naranja);
  border: 2px solid var(--naranja);
}
.btn-borde:hover {
  background: var(--naranja);
  color: var(--blanco);
}
.btn-blanco {
  background: var(--blanco);
  color: var(--azul);
}
.btn-blanco:hover { transform: translateY(-2px); }

/* ---------- 6. CABECERA / NAVEGACIÓN ---------- */
.cabecera {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--gris-borde);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: 1.15rem;
  letter-spacing: 0.5px;
}
.logo img { height: 42px; width: auto; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
}
.nav-links a {
  font-size: 0.95rem;
  color: var(--texto-suave);
  font-weight: 500;
  transition: color 0.2s;
}
.nav-links a:hover,
.nav-links a.activo { color: var(--azul); }

/* Botón hamburguesa (móvil) */
.menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.6rem;
  cursor: pointer;
  color: var(--azul);
}

/* ---------- 7. HERO (sección principal) ---------- */
.hero {
  padding: 80px 0 60px;
  text-align: center;
}
.hero .contenedor { text-align: center; }
.hero .lead { margin: 18px auto 32px; }
.hero-botones {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ---------- 8. TARJETAS ---------- */
.grid {
  display: grid;
  gap: 24px;
}
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.tarjeta {
  background: var(--blanco);
  border: 1px solid var(--gris-borde);
  border-radius: var(--radio);
  padding: 32px 28px;
  transition: all 0.25s ease;
}
.tarjeta:hover {
  transform: translateY(-4px);
  box-shadow: var(--sombra-hover);
  border-color: transparent;
}
.tarjeta .icono {
  width: 52px;
  height: 52px;
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
}
.icono-azul    { background: var(--azul-claro);    color: var(--azul); }
.icono-naranja { background: var(--naranja-claro); color: var(--naranja); }

/* Tarjeta destacada (con borde de color) */
.tarjeta-destacada {
  border: 2px solid var(--azul);
}

/* ---------- 9. BLOQUE DE DOS COLUMNAS (texto + imagen) ---------- */
.bloque {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.bloque.invertido .bloque-texto { order: 2; }
.bloque-img img {
  border-radius: var(--radio);
  width: 100%;
}
.bloque ul.lista-check {
  margin-top: 20px;
}
.lista-check li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  color: var(--texto-suave);
}
.lista-check li i {
  color: var(--naranja);
  font-style: normal;
  font-size: 1.25rem;
  line-height: 1.4;
  flex-shrink: 0;
}

/* ---------- 10. CALCULADORA DE AHORRO ---------- */
.calculadora {
  background: var(--blanco);
  border-radius: var(--radio);
  padding: 40px;
  box-shadow: var(--sombra);
  max-width: 680px;
  margin: 0 auto;
}
.calc-fila {
  margin-bottom: 28px;
}
.calc-fila label {
  display: flex;
  justify-content: space-between;
  font-weight: 500;
  margin-bottom: 12px;
}
.calc-fila label span { color: var(--azul); }
.calc-fila input[type="range"] {
  width: 100%;
  height: 6px;
  border-radius: 999px;
  background: var(--gris-borde);
  outline: none;
  -webkit-appearance: none;
  appearance: none;
}
.calc-fila input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--naranja);
  cursor: pointer;
  border: 3px solid var(--blanco);
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}
.calc-fila input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--naranja);
  cursor: pointer;
  border: 3px solid var(--blanco);
}
.calc-resultado {
  background: var(--azul);
  color: var(--blanco);
  border-radius: var(--radio);
  padding: 28px;
  text-align: center;
  margin-top: 8px;
}
.calc-resultado .monto {
  font-size: 2.4rem;
  font-weight: 600;
  margin: 6px 0;
}
.calc-resultado small { opacity: 0.85; }

/* ---------- 11. FORMULARIO ---------- */
.formulario {
  display: grid;
  gap: 18px;
  max-width: 560px;
  margin: 0 auto;
}
.campo label {
  display: block;
  font-weight: 500;
  margin-bottom: 8px;
  font-size: 0.95rem;
}
.campo input,
.campo select,
.campo textarea {
  width: 100%;
  font-family: var(--fuente);
  font-size: 1rem;
  padding: 13px 16px;
  border: 1px solid var(--gris-borde);
  border-radius: 16px;
  background: var(--blanco);
  transition: border-color 0.2s;
}
.campo input:focus,
.campo select:focus,
.campo textarea:focus {
  outline: none;
  border-color: var(--azul);
}
.campo textarea { resize: vertical; min-height: 120px; }

/* ---------- 12. BLOG ---------- */
.blog-card {
  background: var(--blanco);
  border: 1px solid var(--gris-borde);
  border-radius: var(--radio);
  overflow: hidden;
  transition: all 0.25s ease;
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--sombra-hover); }
.blog-card img { height: 200px; object-fit: cover; width: 100%; }
.blog-card .blog-cuerpo { padding: 24px; }
.blog-card .blog-fecha {
  font-size: 0.8rem;
  color: var(--naranja);
  font-weight: 500;
}
.blog-card h3 { margin: 8px 0 10px; font-size: 1.1rem; }

/* ---------- 13. ESTADÍSTICAS ---------- */
.stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  text-align: center;
}
.stat {
  background: var(--gris-fondo);
  border-radius: var(--radio);
  padding: 32px 16px;
}
.stat .numero {
  font-size: 2.6rem;
  font-weight: 600;
  color: var(--naranja);
}
/* Alternar azul/naranja en los números para dar vida sin saturar */
.stat:nth-child(2) .numero { color: var(--azul); }
.seccion-azul .stat .numero { color: var(--naranja); }
.seccion-azul .stat:nth-child(2) .numero { color: var(--azul); }
.stat p { color: var(--texto-suave); }

/* ---------- 14. CTA FINAL ---------- */
.cta {
  background: var(--blanco);
  color: var(--texto);
  border: 1px solid var(--gris-borde);
  border-radius: var(--radio-grande);
  padding: 56px 40px;
  text-align: center;
}
.cta h2 { color: var(--texto); }
.cta p { color: var(--texto-suave); margin-bottom: 28px; }

/* ---------- 15. PIE DE PÁGINA ---------- */
.pie {
  background: #0F1320;
  color: #C7CDD9;
  padding: 60px 0 30px;
  position: relative;
  padding-left: 56px;
}
.pie-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1.2fr;
  gap: 40px;
  margin-bottom: 40px;
}
.pie h4 {
  color: var(--blanco);
  font-size: 1rem;
  margin-bottom: 16px;
}
.pie a { color: #C7CDD9; font-size: 0.92rem; display: block; margin-bottom: 10px; transition: color 0.2s; }
.pie a:hover { color: var(--blanco); }
.pie-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.pie-logo span { color: var(--blanco); font-weight: 600; font-size: 1.1rem; }
.pie-bajo {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
  font-size: 0.82rem;
  color: #8A91A0;
  text-align: center;
}
.vigilado {
  font-size: 0.78rem;
  color: #8A91A0;
  margin-top: 8px;
}

/* ---------- 16. ANIMACIÓN DE ENTRADA ---------- */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ---------- 17. RESPONSIVE (móvil) ---------- */
@media (max-width: 900px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .pie-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .seccion { padding: 56px 0; }
  .nav-links {
    display: none;
    position: absolute;
    top: 72px; left: 0; right: 0;
    background: var(--blanco);
    flex-direction: column;
    padding: 20px 24px;
    gap: 18px;
    border-bottom: 1px solid var(--gris-borde);
  }
  .nav-links.abierto { display: flex; }
  .menu-toggle { display: block; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .bloque { grid-template-columns: 1fr; gap: 32px; }
  .bloque.invertido .bloque-texto { order: 0; }
  .stats { grid-template-columns: 1fr; gap: 32px; }
  .pie-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .calculadora { padding: 28px 20px; }
}

/* ===================================================================
   COMPONENTES NUEVOS (app móvil, WhatsApp, iconos, login, PQRS)
   =================================================================== */

/* ---------- ICONOS (Tabler) dentro de las tarjetas ---------- */
.icono i { font-size: 1.6rem; line-height: 1; }

/* ---------- SECCIÓN DESCARGA APP ---------- */
.app-bloque {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}
.app-badges {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 26px;
}
.badge-tienda {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--texto);
  color: var(--blanco);
  padding: 12px 22px;
  border-radius: 14px;
  transition: transform 0.2s, background 0.2s;
}
.badge-tienda:hover { transform: translateY(-2px); background: #000; }
.badge-tienda i { font-size: 1.8rem; }
.badge-tienda .badge-texto { display: flex; flex-direction: column; line-height: 1.1; text-align: left; }
.badge-tienda .badge-texto small { font-size: 0.7rem; opacity: 0.8; }
.badge-tienda .badge-texto strong { font-size: 1rem; font-weight: 600; }
.app-mockup {
  background: var(--azul-claro);
  border-radius: var(--radio-grande);
  padding: 40px;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 320px;
}
.app-mockup i { font-size: 7rem; color: var(--azul); }

/* ---------- BOTÓN FLOTANTE WHATSAPP ---------- */
.wa-flotante {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 60px;
  height: 60px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.4);
  z-index: 200;
  transition: transform 0.2s;
}
.wa-flotante:hover { transform: scale(1.08); }
.wa-flotante i { font-size: 2rem; color: #fff; }

/* ---------- PÁGINA INICIAR SESIÓN ---------- */
.login-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.login-card {
  background: var(--blanco);
  border: 1px solid var(--gris-borde);
  border-radius: var(--radio);
  padding: 36px 28px;
  text-align: center;
  transition: all 0.25s ease;
}
.login-card:hover { transform: translateY(-4px); box-shadow: var(--sombra-hover); border-color: transparent; }
.login-card .icono { margin: 0 auto 18px; }

/* ---------- PREGUNTAS FRECUENTES (acordeón) ---------- */
.faq-item {
  background: var(--blanco);
  border: 1px solid var(--gris-borde);
  border-radius: var(--radio);
  margin-bottom: 14px;
  overflow: hidden;
}
.faq-pregunta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 22px 26px;
  cursor: pointer;
  font-weight: 500;
  font-size: 1.05rem;
}
.faq-pregunta i { color: var(--azul); transition: transform 0.3s; flex-shrink: 0; }
.faq-item.abierto .faq-pregunta i { transform: rotate(180deg); }
.faq-respuesta {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0 26px;
}
.faq-item.abierto .faq-respuesta {
  max-height: 400px;
  padding: 0 26px 22px;
}
.faq-respuesta p { color: var(--texto-suave); }

/* ---------- PASOS NUMERADOS (afiliarse) ---------- */
.pasos { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: paso; }
.paso {
  background: var(--blanco);
  border: 1px solid var(--gris-borde);
  border-radius: var(--radio);
  padding: 28px 22px;
  position: relative;
}
.paso .num {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--azul);
  color: var(--blanco);
  display: flex; align-items: center; justify-content: center;
  font-weight: 600;
  margin-bottom: 16px;
}
.paso h3 { font-size: 1.05rem; }

/* ---------- PIE MEJORADO (4 columnas + tiendas) ---------- */
.pie-grid { grid-template-columns: 1.6fr 1fr 1fr 1fr 1fr; }
.pie .badge-tienda { padding: 8px 14px; margin-bottom: 8px; }
.pie .badge-tienda i { font-size: 1.4rem; }
.pie-redes { display: flex; gap: 14px; margin-top: 16px; }
.pie-redes a {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  margin: 0;
}
.pie-redes a:hover { background: rgba(255,255,255,0.18); }
.pie-redes i { font-size: 1.2rem; }

@media (max-width: 900px) {
  .login-grid { grid-template-columns: 1fr; }
  .pasos { grid-template-columns: repeat(2, 1fr); }
  .app-bloque { grid-template-columns: 1fr; gap: 32px; }
  .pie-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .pasos { grid-template-columns: 1fr; }
  .wa-flotante { bottom: 16px; right: 16px; width: 54px; height: 54px; }
}

/* ===================================================================
   CARRUSEL HERO + SIMULADORES + JERARQUÍA LEGAL
   =================================================================== */

/* ---------- CARRUSEL ---------- */
.carrusel { position: relative; overflow: hidden; }
.carrusel-track { display: flex; transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1); }
.carrusel-slide {
  min-width: 100%;
  padding: 60px 0 50px;
}
.carrusel-slide .slide-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.carrusel-slide .slide-texto { text-align: left; }
.carrusel-slide .slide-texto .lead { margin: 18px 0 28px; }
.carrusel-slide .hero-botones { justify-content: flex-start; }
.carrusel-slide .slide-img {
  background: var(--azul-claro);
  border-radius: var(--radio-grande);
  min-height: 320px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.carrusel-slide .slide-img img { width: 100%; height: 100%; object-fit: cover; }
.carrusel-slide .slide-img .placeholder-icono { font-size: 6rem; color: var(--azul); }
.carrusel-slide.fondo-naranja-slide .slide-img { background: var(--naranja-claro); }
.carrusel-slide.fondo-naranja-slide .slide-img .placeholder-icono { color: var(--naranja); }
.carrusel-puntos {
  display: flex;
  justify-content: center;
  gap: 10px;
  padding-bottom: 28px;
}
.carrusel-punto {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--gris-borde);
  border: none;
  cursor: pointer;
  transition: all 0.2s;
  padding: 0;
}
.carrusel-punto.activo { background: var(--azul); width: 28px; border-radius: 999px; }
.carrusel-flecha {
  position: absolute;
  top: 42%;
  transform: translateY(-50%);
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--blanco);
  border: 1px solid var(--gris-borde);
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  z-index: 5;
  transition: all 0.2s;
}
.carrusel-flecha:hover { background: var(--azul); color: var(--blanco); }
.carrusel-flecha i { font-size: 1.4rem; }
.carrusel-flecha.izq { left: 16px; }
.carrusel-flecha.der { right: 16px; }

/* Badge especial Bre-B */
.badge-novedad {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--naranja-claro);
  color: var(--naranja);
  font-size: 0.8rem;
  font-weight: 500;
  padding: 6px 16px;
  border-radius: var(--radio-pill);
  margin-bottom: 18px;
}
.badge-novedad i { font-size: 1rem; }

/* ---------- SIMULADORES (crédito e inversión) ---------- */
.sim-resultado-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin-top: 8px;
}
.sim-dato {
  background: var(--gris-fondo);
  border-radius: 16px;
  padding: 18px;
  text-align: center;
}
.sim-dato small { color: var(--texto-suave); font-size: 0.82rem; }
.sim-dato .valor { font-size: 1.4rem; font-weight: 600; color: var(--azul); margin-top: 4px; }
.sim-dato.destacado { background: var(--azul); }
.sim-dato.destacado small { color: rgba(255,255,255,0.8); }
.sim-dato.destacado .valor { color: var(--blanco); }

/* ---------- PÁGINAS LEGALES (jerarquía de texto) ---------- */
.legal-contenido {
  max-width: 800px;
  margin: 0 auto;
}
.legal-contenido h2 {
  font-size: 1.5rem;
  margin: 40px 0 14px;
  padding-top: 20px;
  border-top: 1px solid var(--gris-borde);
}
.legal-contenido h2:first-child { border-top: none; padding-top: 0; margin-top: 0; }
.legal-contenido p { margin-bottom: 16px; color: var(--texto-suave); }
.legal-contenido ul.legal-lista { margin: 0 0 16px; padding-left: 4px; }
.legal-contenido ul.legal-lista li {
  position: relative;
  padding-left: 22px;
  margin-bottom: 10px;
  color: var(--texto-suave);
}
.legal-contenido ul.legal-lista li::before {
  content: "";
  position: absolute;
  left: 0; top: 10px;
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--naranja);
}
.legal-fecha {
  font-size: 0.85rem;
  color: var(--texto-suave);
  margin-bottom: 28px;
  font-style: italic;
}

/* Índice de navegación legal */
.legal-indice {
  background: var(--gris-fondo);
  border-radius: var(--radio);
  padding: 24px 28px;
  margin-bottom: 36px;
}
.legal-indice h3 { font-size: 1rem; margin-bottom: 12px; }
.legal-indice a {
  display: block;
  color: var(--azul);
  font-size: 0.92rem;
  padding: 4px 0;
}
.legal-indice a:hover { text-decoration: underline; }

@media (max-width: 720px) {
  .carrusel-flecha { display: none; }
  .sim-resultado-grid { grid-template-columns: 1fr !important; }
}

/* ===================================================================
   CURSOR PREMIUM FUTURISTA (solo en dispositivos con mouse)
   =================================================================== */
@media (hover: hover) and (pointer: fine) {
  .cursor-halo, .cursor-punto, .cursor-anillo {
    position: fixed;
    top: 0; left: 0;
    pointer-events: none;
    z-index: 9999;
    border-radius: 50%;
    transform: translate(-50%, -50%);
  }
  .cursor-halo {
    width: 320px; height: 320px;
    background: radial-gradient(circle, rgba(27,63,184,0.07) 0%, rgba(242,106,27,0.04) 45%, transparent 70%);
    transition: transform 0.18s ease-out;
    z-index: 9997;
  }
  .cursor-anillo {
    width: 32px; height: 32px;
    border: 1.5px solid rgba(242,106,27,0.55);
    transition: transform 0.2s ease-out, width 0.2s ease, height 0.2s ease, border-color 0.2s;
    z-index: 9998;
  }
  .cursor-punto {
    width: 7px; height: 7px;
    background: var(--azul);
    transition: transform 0.05s linear;
  }
  /* Al pasar sobre enlaces/botones, el anillo crece */
  body.cursor-activo.sobre-interactivo .cursor-anillo {
    width: 52px; height: 52px;
    border-color: rgba(27,63,184,0.6);
  }
  body.cursor-activo.sobre-interactivo .cursor-punto {
    background: var(--naranja);
  }
}
/* En móvil/táctil, ocultar siempre los elementos del cursor */
@media (hover: none), (pointer: coarse) {
  .cursor-halo, .cursor-punto, .cursor-anillo { display: none !important; }
}

/* ===================================================================
   SIMULADORES MEJORADOS (crédito con amortización + CDAT)
   =================================================================== */

/* Panel de entrada del simulador */
.sim-panel {
  background: var(--azul-claro);
  border-radius: var(--radio-grande);
  padding: 32px;
  margin-bottom: 0;
}
.sim-campos {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr auto;
  gap: 18px;
  align-items: end;
}
.sim-campo label { display:block; font-weight:500; font-size:0.9rem; margin-bottom:8px; color: var(--azul); }
.sim-campo input, .sim-campo select {
  width: 100%;
  font-family: var(--fuente);
  font-size: 1rem;
  padding: 13px 16px;
  border: 1px solid var(--gris-borde);
  border-radius: 14px;
  background: var(--blanco);
}
.sim-campo .ayuda { font-size:0.78rem; color: var(--texto-suave); margin-top:6px; }
.sim-btn-simular {
  background: var(--azul);
  color: var(--blanco);
  border: none;
  padding: 14px 28px;
  border-radius: var(--radio-pill);
  font-family: var(--fuente);
  font-size: 1rem;
  font-weight: 500;
  cursor: pointer;
  white-space: nowrap;
  transition: all 0.2s;
}
.sim-btn-simular:hover { background: var(--azul-oscuro); transform: translateY(-2px); }

/* Resultado azul (crédito) */
.sim-credito-resultado {
  background: var(--azul);
  color: var(--blanco);
  border-radius: var(--radio-grande);
  padding: 36px;
  margin-top: 24px;
}
.sim-credito-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 16px;
}
.sim-credito-resultado h3 { color: var(--blanco); font-size:1.6rem; margin:0; }
.sim-credito-cuota small { opacity: 0.85; font-size: 0.95rem; }
.sim-credito-cuota .monto-cuota { font-size: 2.8rem; font-weight: 700; line-height: 1.1; }
.sim-credito-tasas { display:flex; gap:36px; margin-top:8px; }
.sim-tasa { display:flex; align-items:center; gap:10px; }
.sim-tasa .ti { color: var(--naranja); font-size: 1.4rem; }
.sim-tasa .tasa-valor { font-size: 1.3rem; font-weight:600; line-height:1.1; }
.sim-tasa .tasa-label { font-size: 0.78rem; opacity:0.8; }
.btn-caracteristicas {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,0.4);
  color: var(--blanco);
  padding: 10px 20px;
  border-radius: var(--radio-pill);
  cursor: pointer;
  font-family: var(--fuente);
  font-size: 0.92rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.2s;
}
.btn-caracteristicas:hover { background: rgba(255,255,255,0.12); }

/* Tabla de amortización */
.tabla-amort-wrap { display:none; margin-top: 24px; background: var(--blanco); border-radius: var(--radio); padding: 28px; box-shadow: var(--sombra); }
.tabla-amort-wrap h3 { font-size:1.15rem; margin-bottom: 16px; }
.tabla-amort {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}
.tabla-amort th, .tabla-amort td {
  padding: 10px 12px;
  text-align: right;
  border-bottom: 1px solid var(--gris-borde);
}
.tabla-amort th:first-child, .tabla-amort td:first-child { text-align: center; }
.tabla-amort th {
  background: var(--gris-fondo);
  font-weight: 600;
  color: var(--azul);
  font-size: 0.82rem;
  position: sticky;
  top: 0;
}
.tabla-amort-scroll { max-height: 360px; overflow-y: auto; border-radius: 12px; border: 1px solid var(--gris-borde); }
.nota-amort {
  background: var(--naranja-claro);
  border-radius: 12px;
  padding: 16px 20px;
  margin-top: 18px;
  font-size: 0.85rem;
  color: var(--texto);
}

/* Tarjetas CDAT (estilo imagen de referencia) */
.cdat-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 28px; }
.cdat-card {
  background: var(--azul);
  border-radius: var(--radio-grande);
  padding: 28px;
  color: var(--blanco);
  position: relative;
}
.cdat-card.popular { border: 3px solid var(--naranja); }
.cdat-badge-popular {
  position: absolute;
  top: -14px; left: 50%;
  transform: translateX(-50%);
  background: var(--blanco);
  color: var(--azul);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 5px 16px;
  border-radius: var(--radio-pill);
  border: 1px solid var(--gris-borde);
}
.cdat-card-top { display:flex; justify-content:space-between; align-items:center; margin-bottom: 20px; }
.cdat-meses { background: var(--naranja); color: var(--blanco); padding: 6px 16px; border-radius: 10px; font-weight: 600; }
.cdat-tasa { background: var(--blanco); color: var(--azul); padding: 6px 14px; border-radius: var(--radio-pill); font-weight: 600; font-size: 0.9rem; }
.cdat-inversion small { opacity:0.85; font-size:0.85rem; }
.cdat-inversion .monto { font-size: 1.8rem; font-weight: 700; margin-bottom: 18px; }
.cdat-linea { display:flex; justify-content:space-between; padding: 6px 0; font-size: 0.92rem; }
.cdat-linea .verde { color: #6FE3A8; font-weight:600; }
.cdat-linea .rojo { color: #FF9B9B; font-weight:600; }
.cdat-ganancias { text-align:center; border-top:1px solid rgba(255,255,255,0.2); margin-top: 12px; padding-top: 16px; }
.cdat-ganancias small { opacity:0.9; }
.cdat-ganancias .total { font-size: 1.9rem; font-weight: 700; color: var(--naranja); }
.cdat-anticipo {
  background: var(--blanco);
  border-radius: 14px;
  padding: 14px;
  text-align: center;
  margin-top: 16px;
}
.cdat-anticipo small { color: var(--texto-suave); font-size: 0.72rem; display:block; }
.cdat-anticipo .valor { color: var(--azul); font-size: 1.3rem; font-weight: 700; }

@media (max-width: 860px) {
  .sim-campos { grid-template-columns: 1fr; }
  .cdat-grid { grid-template-columns: 1fr; }
  .sim-credito-tasas { gap: 20px; }
  .sim-credito-resultado .monto-cuota { font-size: 2.2rem; }
}
@media (max-width: 760px) {
  .carrusel-slide .slide-grid { grid-template-columns: 1fr; gap: 28px; }
  .carrusel-slide .slide-texto { text-align: center; }
  .carrusel-slide .hero-botones { justify-content: center; }
  .carrusel-slide .slide-img { min-height: 220px; order: -1; }
}

/* ===================================================================
   TABS DE SIMULADORES Y SUB-TABS DE PRODUCTOS
   =================================================================== */
.tabs-nav {
  display: flex;
  justify-content: center;
  gap: 6px;
  flex-wrap: wrap;
  background: var(--gris-fondo);
  border-radius: var(--radio-pill);
  padding: 6px;
  max-width: 520px;
  margin: 0 auto 40px;
}
.tab-btn {
  flex: 1;
  min-width: 110px;
  border: none;
  background: transparent;
  font-family: var(--fuente);
  font-size: 0.98rem;
  font-weight: 500;
  color: var(--texto-suave);
  padding: 12px 20px;
  border-radius: var(--radio-pill);
  cursor: pointer;
  transition: all 0.25s ease;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}
.tab-btn i { font-size: 1.2rem; }
.tab-btn.activo {
  background: var(--azul);
  color: var(--blanco);
  box-shadow: 0 4px 14px rgba(27,63,184,0.25);
}
.tab-panel { display: none; animation: aparecer 0.4s ease; }
.tab-panel.activo { display: block; }
.subtab-panel { display: none; animation: aparecer 0.4s ease; }
.subtab-panel.activo { display: block; }
@keyframes aparecer {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* Sub-tabs de productos (estilo línea inferior) */
.subtabs-nav {
  display: flex;
  justify-content: center;
  gap: 8px;
  flex-wrap: wrap;
  border-bottom: 1px solid var(--gris-borde);
  margin-bottom: 48px;
}
.subtab-btn {
  border: none;
  background: transparent;
  font-family: var(--fuente);
  font-size: 1.02rem;
  font-weight: 500;
  color: var(--texto-suave);
  padding: 14px 22px;
  cursor: pointer;
  position: relative;
  transition: color 0.2s;
}
.subtab-btn::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -1px;
  height: 3px;
  background: var(--azul);
  border-radius: 3px 3px 0 0;
  transform: scaleX(0);
  transition: transform 0.25s ease;
}
.subtab-btn.activo { color: var(--azul); }
.subtab-btn.activo::after { transform: scaleX(1); }

@media (max-width: 600px) {
  .tab-btn { font-size: 0.88rem; padding: 10px 12px; min-width: 0; }
  .tab-btn span { display: none; }
  .subtab-btn { font-size: 0.92rem; padding: 12px 14px; }
}

/* ===================================================================
   TESTIMONIOS (estilo Nubank, sutil)
   =================================================================== */
.testimonios { text-align: center; }
.testi-carrusel { position: relative; overflow: hidden; max-width: 760px; margin: 0 auto; }
.testi-track { display: flex; transition: transform 0.6s cubic-bezier(0.4,0,0.2,1); }
.testi-slide { min-width: 100%; padding: 0 20px; }
.testi-frase {
  font-size: clamp(1.4rem, 3.2vw, 2rem);
  font-weight: 500;
  line-height: 1.4;
  color: var(--texto);
  letter-spacing: -0.5px;
}
.testi-autor { margin-top: 24px; color: var(--texto-suave); font-weight: 500; }
.testi-puntos { display: flex; justify-content: center; gap: 10px; margin-top: 36px; }
.testi-punto {
  width: 9px; height: 9px; border-radius: 50%;
  background: var(--gris-borde); border: none; cursor: pointer; padding: 0;
  transition: all 0.2s;
}
.testi-punto.activo { background: var(--naranja); width: 26px; border-radius: 999px; }

/* ===================================================================
   BARRA DE AVISO SUPERIOR (Bre-B) + SECCIÓN BENEFICIOS BRE-B
   =================================================================== */
.barra-aviso {
  background: var(--azul);
  color: var(--blanco);
  text-align: center;
  font-size: 0.9rem;
  padding: 9px 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  position: relative;
  z-index: 101;
}
.barra-aviso i { color: var(--naranja); font-size: 1.1rem; }
.barra-aviso a { color: var(--blanco); text-decoration: underline; font-weight: 500; }
.barra-aviso .cerrar {
  position: absolute;
  right: 14px;
  background: none; border: none; color: var(--blanco);
  cursor: pointer; font-size: 1.1rem; opacity: 0.8;
}
.barra-aviso .cerrar:hover { opacity: 1; }
@media (max-width: 600px) {
  .barra-aviso { font-size: 0.78rem; padding: 8px 36px 8px 12px; }
}

/* Beneficios Bre-B */
.brebe-beneficios .tarjeta { text-align: center; }
.brebe-beneficios .icono { margin: 0 auto 18px; }

/* ===================================================================
   V7: barra app fija, líneas crédito, modal, layouts de producto
   =================================================================== */

/* Barra "Descarga la app" fija bajo el menú */
.barra-app {
  background: var(--azul-claro);
  border-bottom: 1px solid var(--gris-borde);
  padding: 10px 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  font-size: 0.92rem;
  flex-wrap: wrap;
}
.barra-app .texto-app { color: var(--azul); font-weight: 500; display:inline-flex; align-items:center; gap:8px; }
.barra-app .texto-app i { font-size: 1.2rem; }
.barra-app .badges-mini { display: flex; gap: 8px; }
.barra-app .badge-mini {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--texto); color: var(--blanco);
  padding: 5px 12px; border-radius: 10px; font-size: 0.8rem; font-weight: 500;
}
.barra-app .badge-mini:hover { background: #000; }
.barra-app .badge-mini i { font-size: 1.1rem; }
@media (max-width: 600px) {
  .barra-app { font-size: 0.8rem; gap: 10px; padding: 8px 12px; }
  .barra-app .texto-app span { display: none; }
}

/* Layout de producto: contenido a un lado, simulador al otro */
.producto-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.producto-info .lineas-cards { display: grid; gap: 18px; margin-top: 24px; }
.linea-card {
  border: 1.5px solid var(--gris-borde);
  border-radius: var(--radio);
  padding: 22px 24px;
  transition: border-color 0.2s, transform 0.2s;
}
.linea-card:hover { border-color: var(--azul); transform: translateY(-2px); }
.linea-card h4 { font-size: 1.05rem; font-weight: 600; margin-bottom: 8px; color: var(--azul); display:flex; align-items:center; gap:10px; }
.linea-card h4 i { color: var(--naranja); font-size: 1.3rem; }
.linea-card p { font-size: 0.92rem; }

/* Líneas de crédito como botones seleccionables */
.lineas-credito { display: grid; gap: 12px; margin-top: 20px; }
.linea-credito-btn {
  border: 1.5px solid var(--gris-borde);
  background: var(--blanco);
  border-radius: 14px;
  padding: 16px 20px;
  text-align: left;
  font-family: var(--fuente);
  font-size: 0.98rem;
  font-weight: 500;
  color: var(--texto);
  cursor: pointer;
  transition: all 0.2s;
  display: flex; align-items: center; gap: 12px;
}
.linea-credito-btn i { color: var(--texto-suave); font-size: 1.3rem; transition: color 0.2s; }
.linea-credito-btn:hover { border-color: var(--azul); }
.linea-credito-btn.activo {
  border-color: var(--azul);
  background: var(--azul-claro);
  color: var(--azul);
}
.linea-credito-btn.activo i { color: var(--azul); }

/* Modal */
.modal-overlay {
  position: fixed; inset: 0;
  background: rgba(15, 19, 32, 0.6);
  backdrop-filter: blur(4px);
  display: none;
  align-items: center; justify-content: center;
  z-index: 1000;
  padding: 20px;
}
.modal-overlay.abierto { display: flex; }
.modal-caja {
  background: var(--blanco);
  border-radius: var(--radio-grande);
  max-width: 760px; width: 100%;
  max-height: 85vh;
  overflow: hidden;
  display: flex; flex-direction: column;
  animation: aparecer 0.3s ease;
}
.modal-cabecera {
  display: flex; align-items: center; justify-content: space-between;
  padding: 24px 28px;
  border-bottom: 1px solid var(--gris-borde);
}
.modal-cabecera h3 { margin: 0; font-size: 1.2rem; }
.modal-cerrar {
  background: var(--gris-fondo); border: none;
  width: 38px; height: 38px; border-radius: 50%;
  cursor: pointer; font-size: 1.2rem; color: var(--texto);
  display: flex; align-items: center; justify-content: center;
}
.modal-cerrar:hover { background: var(--gris-borde); }
.modal-cuerpo { padding: 24px 28px; overflow-y: auto; }
.modal-nota {
  background: var(--naranja-claro);
  border-radius: 12px; padding: 16px 20px; margin-top: 18px;
  font-size: 0.85rem; color: var(--texto);
}

@media (max-width: 860px) {
  .producto-layout { grid-template-columns: 1fr; gap: 36px; }
}

/* ===================================================================
   V7: Pie con vigilado + barra app fija
   =================================================================== */
.pie-bajo {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 24px;
  flex-wrap: wrap;
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
}
.pie-vigilado {
  position: absolute;
  left: 18px;
  top: 50%;
  transform: translateY(-50%);
  width: 34px;
  height: 180px;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1;
}
.pie-vigilado img {
  width: 180px;
  max-width: none;
  height: auto;
  transform: rotate(-90deg);
  opacity: 0.8;
}
.pie-legal-texto { flex: 1; text-align: right; }
.pie-legal-texto p { margin: 0; }
@media (max-width: 600px) {
  .pie-bajo { flex-direction: column; text-align: center; padding-left: 0; }
  .pie-vigilado { position: static; transform: none; margin-bottom: 16px; }
  .pie-vigilado img { transform: none; height: 26px; }
  .pie-legal-texto { text-align: center; }
}

/* ===================================================================
   V8: fila doble simulador, tasas en modal, mejoras CDAT
   =================================================================== */
.sim-fila-doble {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 16px;
  align-items: start;
}
.sim-fila-doble .ayuda { display: block; margin-top: 6px; }

/* Tasas dentro del modal */
.modal-tasas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 22px;
}
.modal-tasa-item {
  flex: 1;
  min-width: 160px;
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--azul-claro);
  border-radius: 14px;
  padding: 16px 18px;
}
.modal-tasa-item i { color: var(--naranja); font-size: 1.6rem; }
.modal-tasa-item .tasa-valor { font-size: 1.25rem; font-weight: 600; color: var(--azul); line-height: 1.1; }
.modal-tasa-item .tasa-label { font-size: 0.78rem; color: var(--texto-suave); }

@media (max-width: 600px) {
  .sim-fila-doble { grid-template-columns: 1fr; }
}

/* ===================================================================
   V8: Tarjetas CDAT rediseñadas (limpias y elegantes)
   =================================================================== */
.cdat-grid-nuevo {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.cdat-card-nuevo {
  background: var(--blanco);
  border: 1.5px solid var(--gris-borde);
  border-radius: var(--radio);
  padding: 24px 22px;
  position: relative;
  transition: transform 0.2s, box-shadow 0.2s;
}
.cdat-card-nuevo:hover { transform: translateY(-4px); box-shadow: var(--sombra-hover); }
.cdat-card-nuevo.destacada { border-color: var(--azul); border-width: 2px; }
.cdat-tag {
  position: absolute;
  top: -11px; left: 22px;
  background: var(--naranja);
  color: var(--blanco);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 4px 14px;
  border-radius: 999px;
}
.cdat-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
}
.cdat-plazo { font-size: 1.05rem; font-weight: 600; color: var(--texto); }
.cdat-ea {
  background: var(--azul-claro);
  color: var(--azul);
  font-weight: 700;
  font-size: 1.05rem;
  padding: 5px 14px;
  border-radius: 999px;
}
.cdat-ea small { font-size: 0.72rem; font-weight: 500; }
.cdat-ganancia-box {
  background: var(--azul);
  border-radius: 16px;
  padding: 18px;
  text-align: center;
  margin-bottom: 18px;
}
.cdat-gan-label { display: block; color: rgba(255,255,255,0.8); font-size: 0.82rem; }
.cdat-gan-monto { display: block; color: var(--blanco); font-size: 1.9rem; font-weight: 700; line-height: 1.2; }
.cdat-card-nuevo.destacada .cdat-gan-box { background: var(--azul); }
.cdat-detalle { margin-bottom: 16px; }
.cdat-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 7px 0;
  font-size: 0.9rem;
  color: var(--texto-suave);
  border-bottom: 1px solid var(--gris-borde);
}
.cdat-row:last-child { border-bottom: none; }
.cdat-row strong { color: var(--texto); font-weight: 600; }
.cdat-row .verde { color: #1B9C5D; }
.cdat-row .rojo { color: #D14343; }
.cdat-anticipo-nuevo {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--naranja-claro);
  border-radius: 14px;
  padding: 14px 16px;
}
.cdat-anticipo-nuevo i { color: var(--naranja); font-size: 1.6rem; }
.cdat-anticipo-nuevo span { display: block; font-size: 0.75rem; color: var(--texto-suave); }
.cdat-anticipo-nuevo strong { display: block; font-size: 1.15rem; color: var(--naranja); font-weight: 700; }

@media (max-width: 600px) {
  .cdat-grid-nuevo { grid-template-columns: 1fr; }
}

/* ===================================================================
   V9: Transaccionalidad (Bre-B, llaves, medios de pago)
   =================================================================== */
.brebe-hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.brebe-gif {
  display: flex;
  align-items: center;
  justify-content: center;
}
.brebe-gif img { max-width: 420px; width: 100%; }

/* Llave de usuario destacada */
.llave-box {
  background: var(--azul-claro);
  border: 1.5px dashed var(--azul);
  border-radius: var(--radio);
  padding: 22px 26px;
  margin: 24px 0;
  text-align: center;
}
.llave-box small { color: var(--texto-suave); font-size: 0.85rem; }
.llave-box .llave-valor {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--azul);
  margin-top: 4px;
}
.llave-box .llave-valor .arroba { color: var(--naranja); }

/* Medios de pago (tarjetas con icono) */
.medios-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.medio-card {
  background: var(--blanco);
  border: 1px solid var(--gris-borde);
  border-radius: var(--radio);
  padding: 28px 24px;
  text-align: center;
}
.medio-card .medio-icono {
  width: 60px; height: 60px;
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
  font-size: 1.8rem;
}
.medio-card .medio-icono.azul { background: var(--azul-claro); color: var(--azul); }
.medio-card .medio-icono.naranja { background: var(--naranja-claro); color: var(--naranja); }
.medio-card .medio-icono.verde { background: #E3F7EC; color: #1B9C5D; }
.medio-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.medio-badge {
  display: inline-block;
  font-size: 0.72rem; font-weight: 600;
  padding: 3px 12px; border-radius: 999px;
  margin-top: 10px;
}
.medio-badge.gratis { background: #E3F7EC; color: #1B9C5D; }
.medio-badge.tiempo { background: var(--azul-claro); color: var(--azul); }
.medio-badge.pronto { background: var(--naranja-claro); color: var(--naranja); }

/* Lista de bancos del ecosistema */
.bancos-nota {
  text-align: center;
  color: var(--texto-suave);
  font-size: 0.9rem;
  margin-top: 16px;
}

@media (max-width: 860px) {
  .brebe-hero { grid-template-columns: 1fr; gap: 32px; }
  .brebe-gif { order: -1; }
  .medios-grid { grid-template-columns: 1fr; }
}

/* ===================================================================
   V10: Botón Ingreso Portal (dropdown) + ajustes
   =================================================================== */
.portal-dropdown { position: relative; display: inline-block; }
.btn-portal {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--azul);
  color: var(--blanco);
  border: none;
  font-family: var(--fuente);
  font-size: 0.95rem;
  font-weight: 500;
  padding: 10px 20px;
  border-radius: var(--radio-pill);
  cursor: pointer;
  transition: all 0.2s;
}
.btn-portal:hover { background: var(--azul-oscuro); }
.btn-portal i { font-size: 1.1rem; transition: transform 0.2s; }
.portal-dropdown.abierto .btn-portal i.chevron { transform: rotate(180deg); }
.portal-menu {
  position: absolute;
  top: calc(100% + 10px);
  right: 0;
  background: var(--blanco);
  border: 1px solid var(--gris-borde);
  border-radius: var(--radio);
  box-shadow: var(--sombra-hover);
  min-width: 230px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all 0.2s ease;
  z-index: 120;
}
.portal-dropdown.abierto .portal-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.portal-menu a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  border-radius: 12px;
  color: var(--texto);
  font-size: 0.95rem;
  font-weight: 500;
  transition: background 0.15s;
}
.portal-menu a:hover { background: var(--gris-fondo); }
.portal-menu a i { color: var(--azul); font-size: 1.3rem; }
.portal-menu a small { display: block; font-weight: 400; font-size: 0.78rem; color: var(--texto-suave); }

/* La barra app y aviso deben mantenerse fijas/permanentes */
.barra-aviso a { white-space: nowrap; }

@media (max-width: 980px) {
  .btn-portal span { display: none; }
  .btn-portal { padding: 10px 14px; }
}

/* ===================================================================
   V10: Sección crédito de vivienda (Habi + bancos)
   =================================================================== */
.vivienda-bloque {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}
.vivienda-aliados {
  background: var(--blanco);
  border: 1px solid var(--gris-borde);
  border-radius: var(--radio-grande);
  padding: 36px;
  text-align: center;
}
.vivienda-habi {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  margin-bottom: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--gris-borde);
}
.vivienda-habi img { height: 56px; width: auto; }
.vivienda-habi .habi-texto { text-align: left; }
.vivienda-habi .habi-texto small { color: var(--texto-suave); font-size: 0.8rem; }
.vivienda-habi .habi-texto strong { display: block; font-size: 1.05rem; color: var(--texto); }
.vivienda-bancos-num {
  font-size: 3.2rem;
  font-weight: 700;
  color: var(--azul);
  line-height: 1;
}
.vivienda-bancos-txt { color: var(--texto-suave); font-size: 0.95rem; margin-top: 6px; }

@media (max-width: 860px) {
  .vivienda-bloque { grid-template-columns: 1fr; gap: 32px; }
}

/* ===================================================================
   V10: Sección Ahorro rediseñada (3 tipos + imagen)
   =================================================================== */
.ahorro-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: stretch;
}
.ahorro-tipos { display: grid; gap: 14px; }
.ahorro-tipo {
  display: flex;
  align-items: center;
  gap: 16px;
  background: var(--blanco);
  border: 1.5px solid var(--gris-borde);
  border-radius: 16px;
  padding: 18px 20px;
  transition: border-color 0.2s, transform 0.2s;
}
.ahorro-tipo:hover { border-color: var(--azul); transform: translateX(4px); }
.ahorro-tipo .at-icono {
  width: 48px; height: 48px;
  flex-shrink: 0;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
}
.ahorro-tipo .at-icono.azul { background: var(--azul-claro); color: var(--azul); }
.ahorro-tipo .at-icono.naranja { background: var(--naranja-claro); color: var(--naranja); }
.ahorro-tipo h4 { font-size: 1.05rem; font-weight: 600; margin: 0; color: var(--texto); }
.ahorro-tipo p { font-size: 0.85rem; color: var(--texto-suave); margin: 2px 0 0; }

.ahorro-imagen {
  background: var(--azul-claro);
  border-radius: var(--radio-grande);
  min-height: 200px;
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
  margin-top: 20px;
}
.ahorro-imagen img { width: 100%; height: 100%; object-fit: cover; }
.ahorro-imagen .ph-icono { font-size: 4rem; color: var(--azul); }

/* Simulador de ahorro más compacto */
.ahorro-sim-compacto {
  background: var(--blanco);
  border: 1px solid var(--gris-borde);
  border-radius: var(--radio-grande);
  padding: 32px;
  align-self: start;
}

@media (max-width: 860px) {
  .ahorro-layout { grid-template-columns: 1fr; gap: 32px; }
}

/* ===================================================================
   V11: Transición entre páginas (loader con identidad Alianza)
   =================================================================== */
.transicion-overlay {
  position: fixed;
  inset: 0;
  background: var(--blanco);
  z-index: 99999;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.4s ease, visibility 0.4s ease;
}
.transicion-overlay.activo {
  opacity: 1;
  visibility: visible;
}
.transicion-loader {
  position: relative;
  width: 90px;
  height: 90px;
  display: flex;
  align-items: center;
  justify-content: center;
}
/* Anillo giratorio con los colores de marca */
.transicion-loader::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 3px solid var(--gris-borde);
  border-top-color: var(--naranja);
  border-right-color: var(--azul);
  animation: girar-loader 0.9s linear infinite;
}
.transicion-loader img {
  width: 46px;
  height: auto;
  animation: latido-loader 1.4s ease-in-out infinite;
}
@keyframes girar-loader {
  to { transform: rotate(360deg); }
}
@keyframes latido-loader {
  0%, 100% { transform: scale(1); opacity: 0.9; }
  50% { transform: scale(1.12); opacity: 1; }
}
/* Animación de entrada al cargar la página */
.fade-entrada {
  animation: fade-in-pagina 0.5s ease;
}
@keyframes fade-in-pagina {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
@media (prefers-reduced-motion: reduce) {
  .transicion-loader::before, .transicion-loader img { animation: none !important; }
  .fade-entrada { animation: none !important; }
}

/* ===================================================================
   V12: Inversión CDAT - simetría y centrado vertical
   =================================================================== */
/* La columna de tarjetas se centra verticalmente respecto a la izquierda */
.subtab-panel[data-panel="p-inversion"] .producto-layout { align-items: center; }
/* Igualar alturas de las dos tarjetas y alinear contenido */
.cdat-grid-nuevo { align-items: stretch; }
.cdat-card-nuevo {
  display: flex;
  flex-direction: column;
}
.cdat-card-nuevo .cdat-detalle { flex: 1; }
.cdat-card-nuevo.destacada { margin-top: 0; }