/* ========================== VARIABLES / PALETA SUMACRÉDITO ========================== */
:root{--azul:#194fa3;--azul-2:#071b46;--azul-3:#0d3478;--rojo:#c91c23;--rojo-2:#ff3340;--tinta:#09111f;--gris:#66738a;--claro:#f4f7fb;--blanco:#fff;--glass:rgba(255,255,255,.76);--shadow:0 28px 80px rgba(9,17,31,.16);--radius:30px;--font:'Montserrat',system-ui,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--font);color:var(--tinta);background:linear-gradient(180deg,#fff 0%,#f4f7ff 45%,#fff 100%);overflow-x:hidden}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.container{width:min(1200px,92%);margin:auto}.section{padding:116px 0;position:relative}.section-tag,.eyebrow{display:inline-flex;gap:10px;align-items:center;color:var(--rojo);font-weight:900;text-transform:uppercase;letter-spacing:.1em;font-size:.78rem}.section h2{font-size:clamp(2rem,4.2vw,3.7rem);line-height:1.03;margin:14px 0}.section p{color:var(--gris);line-height:1.85}.section-head{max-width:850px;text-align:center;margin:0 auto}.btn{display:inline-flex;align-items:center;justify-content:center;padding:15px 24px;border-radius:999px;font-weight:900;transition:.35s ease;border:1px solid transparent;position:relative;overflow:hidden}.btn:before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent,rgba(255,255,255,.35),transparent);transform:translateX(-120%);transition:.6s}.btn:hover:before{transform:translateX(120%)}.btn-primary{background:linear-gradient(135deg,var(--rojo),var(--rojo-2));color:#fff;box-shadow:0 20px 40px rgba(201,28,35,.30)}.btn-primary:hover{transform:translateY(-4px);box-shadow:0 28px 55px rgba(201,28,35,.38)}.btn-ghost{background:rgba(255,255,255,.68);color:var(--azul);border-color:rgba(25,79,163,.18);backdrop-filter:blur(10px)}
/* ========================== PRELOADER ========================== */
.preloader{position:fixed;inset:0;background:#fff;display:grid;place-items:center;z-index:9999;transition:.55s}.preloader img{width:96px;animation:pulse 1.3s infinite}.preloader.hide{opacity:0;visibility:hidden}@keyframes pulse{50%{transform:scale(1.08);filter:drop-shadow(0 0 25px rgba(25,79,163,.3))}}
/* ========================== HEADER ========================== */
.site-header{position:fixed;top:0;left:0;right:0;z-index:1000;padding:18px 0;transition:.35s}.site-header.scrolled{padding:10px 0;background:rgba(255,255,255,.82);backdrop-filter:blur(18px);box-shadow:0 12px 35px rgba(9,17,31,.08)}.nav-wrap{display:flex;align-items:center;justify-content:space-between}.brand img{height:100%}.main-nav{display:flex;gap:8px;align-items:center;background:rgba(255,255,255,.72);border:1px solid rgba(25,79,163,.12);padding:8px;border-radius:999px;backdrop-filter:blur(12px)}.main-nav a{padding:12px 16px;border-radius:999px;font-weight:800;color:#182842}.main-nav a:hover,.nav-cta{background:var(--azul)!important;color:#fff!important}.nav-toggle{display:none;border:0;background:var(--azul);color:#fff;border-radius:14px;padding:12px 14px;font-size:1.1rem}
/* ========================== HERO PRINCIPAL ========================== */
.hero{min-height:100vh;position:relative;display:grid;align-items:center;padding:132px 0 76px;overflow:hidden}.hero-bg{position:absolute;inset:-10%;background:radial-gradient(circle at 18% 18%,rgba(25,79,163,.24),transparent 28%),radial-gradient(circle at 84% 20%,rgba(201,28,35,.20),transparent 30%),linear-gradient(135deg,#f9fbff 0%,#ecf3ff 100%);will-change:transform}.hero-grid-lines{position:absolute;inset:0;background-image:linear-gradient(rgba(25,79,163,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(25,79,163,.06) 1px,transparent 1px);background-size:70px 70px;mask-image:linear-gradient(to bottom,transparent,#000 20%,#000 80%,transparent)}.orb{position:absolute;border-radius:50%;filter:blur(2px);opacity:.58;animation:float 8s ease-in-out infinite}.orb-one{width:270px;height:270px;background:rgba(25,79,163,.17);left:-90px;bottom:12%}.orb-two{width:220px;height:220px;background:rgba(201,28,35,.14);right:-65px;top:18%;animation-delay:1.5s}@keyframes float{50%{transform:translateY(-28px) translateX(18px)}}.hero-grid{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:62px;align-items:center}.hero h1{font-size:clamp(2.65rem,6vw,5.7rem);line-height:.94;margin:18px 0;background:linear-gradient(135deg,var(--azul-2),var(--azul),var(--rojo));-webkit-background-clip:text;color:transparent}.hero h1 span{display:inline-block}.hero p{font-size:1.16rem;color:#4d5b73;line-height:1.85;max-width:660px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.trust-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.trust-row span{background:#fff;border:1px solid rgba(25,79,163,.12);box-shadow:0 12px 30px rgba(9,17,31,.06);border-radius:999px;padding:10px 14px;font-weight:800;color:#24324a}.trust-row i{color:var(--rojo)}.dashboard-card{position:relative;padding:34px;border-radius:40px;background:var(--glass);box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.8);backdrop-filter:blur(18px);transform-style:preserve-3d;animation:cardFloat 6s ease-in-out infinite}.hero-logo{width:min(420px,100%);margin:0 auto 18px}.chart-bars{height:74px;display:flex;gap:12px;align-items:end;justify-content:center;margin-bottom:16px}.chart-bars i{width:42px;border-radius:14px 14px 6px 6px;background:linear-gradient(180deg,var(--rojo-2),var(--rojo));box-shadow:0 14px 25px rgba(201,28,35,.2);animation:barGrow 2.8s ease-in-out infinite}.chart-bars i:nth-child(1){height:36px}.chart-bars i:nth-child(2){height:52px;animation-delay:.15s}.chart-bars i:nth-child(3){height:66px;animation-delay:.3s}.chart-bars i:nth-child(4){height:74px;animation-delay:.45s}@keyframes barGrow{50%{transform:scaleY(.72)}}.metric-row{display:flex;justify-content:space-between;align-items:center;margin:12px 0;padding:18px 20px;border-radius:18px;background:#fff;box-shadow:0 10px 28px rgba(9,17,31,.07);font-weight:900}.metric-row strong{color:var(--rojo);font-size:1.4rem}.floating-badge{position:absolute;background:#fff;border:1px solid rgba(25,79,163,.12);box-shadow:0 20px 45px rgba(9,17,31,.12);border-radius:999px;padding:12px 16px;font-size:.82rem;font-weight:900}.floating-badge i{color:var(--rojo)}.badge-one{left:-38px;top:16%}.badge-two{right:-30px;bottom:18%}@keyframes cardFloat{50%{transform:translateY(-18px) rotateX(3deg) rotateY(-3deg)}}
/* ========================== CONFIANZA / CONTADORES ========================== */
.trust-strip{position:relative;margin-top:-35px;z-index:4}.trust-strip-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;background:#fff;border:1px solid rgba(25,79,163,.09);box-shadow:var(--shadow);border-radius:30px;padding:20px}.trust-item{padding:22px;text-align:center;border-radius:22px;background:linear-gradient(180deg,#fff,#f7faff)}.trust-item b{display:block;color:var(--azul);font-size:clamp(2rem,4vw,3.2rem);line-height:1}.trust-item span{font-weight:800;color:#2b3a52}
/* ========================== SECCIONES GENERALES ========================== */
.split{display:grid;grid-template-columns:1fr 1fr;gap:58px;align-items:center}.shape-word{position:absolute;right:-3vw;top:40px;font-size:12vw;font-weight:900;color:rgba(25,79,163,.035);pointer-events:none}.about-panel,.service-card,.step,details,.contact-form,.contact-info,.privacy .container,.sim-card,.cta-card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);border:1px solid rgba(25,79,163,.09)}.about-panel{padding:44px}.panel-icon,.service-card i{width:74px;height:74px;display:grid;place-items:center;border-radius:23px;background:linear-gradient(135deg,var(--azul),var(--rojo));color:#fff;font-size:1.9rem}.check-list{padding:0;margin:22px 0 0;list-style:none;display:grid;gap:12px}.check-list li{font-weight:800;color:#27364e}.check-list i{color:var(--rojo);margin-right:8px}.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:38px}.service-card{padding:34px;transition:.35s;position:relative;overflow:hidden}.service-card:after{content:"";position:absolute;inset:auto -20% -45% -20%;height:120px;background:radial-gradient(circle,rgba(25,79,163,.12),transparent 65%);transition:.4s}.service-card:hover{transform:translateY(-10px)}.service-card h3,.about-panel h3{font-size:1.35rem}.parallax-cta{position:relative;min-height:520px;display:grid;place-items:center;overflow:hidden;background:#07142c}.parallax-bg{position:absolute;inset:-12%;background:radial-gradient(circle at 30% 30%,rgba(25,79,163,.55),transparent 32%),radial-gradient(circle at 70% 60%,rgba(201,28,35,.38),transparent 35%),linear-gradient(135deg,#06142f,#0c255c)}.cta-card{position:relative;max-width:760px;text-align:center;padding:52px;background:rgba(255,255,255,.10);border-color:rgba(255,255,255,.16);backdrop-filter:blur(18px);color:#fff}.cta-card p,.cta-card h2{color:#fff}.cta-card .section-tag{color:#ff6f78}
/* ========================== PROCESO ========================== */
.process{background:linear-gradient(135deg,var(--azul-2),#061226);color:#fff;overflow:hidden}.process-glow{position:absolute;width:420px;height:420px;border-radius:50%;right:-120px;top:8%;background:rgba(201,28,35,.22);filter:blur(20px)}.process .section-tag{color:#ff6971}.process h2,.process p{color:#fff}.timeline{display:grid;gap:18px;margin-top:36px;position:relative}.timeline:before{content:"";position:absolute;left:44px;top:20px;bottom:20px;width:2px;background:linear-gradient(var(--rojo),rgba(255,255,255,.15))}.step{display:grid;grid-template-columns:72px minmax(0,1fr);gap:14px 22px;align-items:start;padding:24px;background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.13);backdrop-filter:blur(12px);position:relative}.step b{font-size:2.2rem;color:#ff4a55;grid-row:1 / span 2}.step h3{margin:0 0 6px;grid-column:2;line-height:1.25}.step p{margin:0;opacity:.78;grid-column:2;max-width:880px;line-height:1.75}
/* ========================== SIMULADOR ========================== */
.simulator{background:linear-gradient(180deg,#fff,#f4f8ff)}.sim-card{padding:36px}.sim-card label{font-weight:900;color:#26344c}.sim-card input[type=range]{width:100%;accent-color:var(--rojo);margin:22px 0}.sim-output{display:flex;justify-content:space-between;gap:16px;align-items:center;background:#f6f9ff;border:1px solid rgba(25,79,163,.12);border-radius:20px;padding:18px;margin:14px 0}.sim-output span{font-weight:800;color:#5f6c82}.sim-output b{font-size:1.55rem;color:var(--azul)}.sim-output.highlight{background:linear-gradient(135deg,var(--azul),var(--azul-3));color:#fff}.sim-output.highlight span,.sim-output.highlight b{color:#fff}.sim-card small{display:block;color:#6b778e;line-height:1.6}
/* ========================== FAQ / CONTACTO / FOOTER ========================== */
.faq-list{display:grid;gap:14px}details{padding:22px}summary{cursor:pointer;font-weight:900;color:var(--azul)}details p{margin-bottom:0}.contact{background:radial-gradient(circle at 15% 20%,rgba(201,28,35,.09),transparent 30%),radial-gradient(circle at 85% 10%,rgba(25,79,163,.12),transparent 32%);overflow:hidden}.contact-wave{position:absolute;inset:auto -10% -25% -10%;height:330px;background:linear-gradient(135deg,rgba(25,79,163,.12),rgba(201,28,35,.10));border-radius:50% 50% 0 0}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:28px;position:relative}.contact-info,.contact-form{padding:36px}.contact-info a{display:flex;gap:12px;align-items:center;margin:18px 0;font-weight:900;color:var(--azul)}.contact-form{display:grid;gap:16px}.contact-form label{font-weight:900;color:#26344c}.contact-form input,.contact-form textarea{width:100%;margin-top:8px;border:1px solid rgba(25,79,163,.18);border-radius:16px;padding:15px 16px;font:inherit;outline:none;background:#f8faff}.contact-form input:focus,.contact-form textarea:focus{border-color:var(--azul);box-shadow:0 0 0 4px rgba(25,79,163,.1)}.form-status{font-weight:900}.privacy{padding:35px 0 90px}.privacy .container{padding:28px}.site-footer{background:#07111f;color:#fff;padding:54px 0}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}.footer-logo{max-width:270px;filter:drop-shadow(0 0 12px rgba(255,255,255,.12))}.site-footer p,.site-footer a,.site-footer span{color:#b9c4d8;display:block;line-height:1.8}
/* ========================== ANIMACIONES DE APARICIÓN ========================== */
.reveal{opacity:0;transition:1s cubic-bezier(.2,.8,.2,1);will-change:transform,opacity}.from-left{transform:translateX(-76px)}.from-right{transform:translateX(76px)}.fade-up{transform:translateY(70px)}.reveal.visible{opacity:1;transform:none}.cards-grid .reveal:nth-child(2),.trust-strip-grid .reveal:nth-child(2){transition-delay:.10s}.cards-grid .reveal:nth-child(3),.trust-strip-grid .reveal:nth-child(3){transition-delay:.20s}.cards-grid .reveal:nth-child(4),.trust-strip-grid .reveal:nth-child(4){transition-delay:.30s}.cards-grid .reveal:nth-child(5){transition-delay:.40s}.cards-grid .reveal:nth-child(6){transition-delay:.50s}
/* ========================== RESPONSIVE ========================== */
@media(max-width:980px){.nav-toggle{display:block}.main-nav{position:absolute;top:82px;left:4%;right:4%;display:none;flex-direction:column;border-radius:24px;padding:18px}.main-nav.open{display:flex}.main-nav a{width:100%;text-align:center}.brand img{height:48px}.hero-grid,.split,.contact-grid,.footer-grid{grid-template-columns:1fr}.hero{padding-top:115px}.cards-grid,.trust-strip-grid{grid-template-columns:1fr 1fr}.section{padding:82px 0}.dashboard-card{padding:22px}.step{grid-template-columns:56px minmax(0,1fr)}.timeline:before{display:none}.hero h1{font-size:clamp(2.35rem,12vw,4rem)}.floating-badge{position:static;margin:10px 0}.shape-word{display:none}}
@media(max-width:620px){.cards-grid,.trust-strip-grid{grid-template-columns:1fr}.hero-actions{flex-direction:column}.btn{width:100%}.sim-output{display:block}.sim-output b{display:block;margin-top:8px}.cta-card{padding:32px 22px}}

/* ========================== BOTÓN FLOTANTE WHATSAPP MOVIBLE ========================== */
.floating-whatsapp{position:fixed;right:24px;bottom:24px;z-index:1200;display:grid;place-items:center;gap:6px;touch-action:none;user-select:none;filter:drop-shadow(0 18px 28px rgba(7,27,70,.28))}.wa-main-link{width:68px;height:68px;display:grid;place-items:center;border-radius:50%;background:linear-gradient(135deg,var(--azul),var(--azul-3));color:#fff;font-size:2.15rem;position:relative;border:1px solid rgba(255,255,255,.28);box-shadow:inset 0 0 0 1px rgba(255,255,255,.18);transition:.35s cubic-bezier(.2,.8,.2,1);overflow:visible}.wa-main-link:hover{transform:translateY(-4px) scale(1.04);background:linear-gradient(135deg,var(--azul-3),var(--rojo));box-shadow:0 24px 48px rgba(25,79,163,.34)}.wa-main-link i{position:relative;z-index:2}.wa-radar{position:absolute;inset:-9px;border-radius:50%;background:rgba(25,79,163,.22);animation:waPulse 2.2s infinite;z-index:-1}.wa-orbit{position:absolute;inset:-15px;border-radius:50%;border:2px solid rgba(201,28,35,.34);border-left-color:transparent;border-bottom-color:transparent;animation:waOrbit 3.8s linear infinite;z-index:-1}.wa-label{font-size:.72rem;font-weight:900;letter-spacing:.06em;text-transform:uppercase;color:#fff;background:rgba(7,27,70,.88);border:1px solid rgba(255,255,255,.16);padding:5px 10px;border-radius:999px;backdrop-filter:blur(10px)}.wa-drag-handle{width:28px;height:24px;display:grid;place-items:center;border:0;border-radius:999px;background:rgba(255,255,255,.92);color:var(--azul);box-shadow:0 10px 24px rgba(9,17,31,.12);cursor:grab}.floating-whatsapp.dragging .wa-drag-handle{cursor:grabbing}.floating-whatsapp.dragging .wa-main-link{transform:scale(.96)}@keyframes waPulse{0%{transform:scale(.82);opacity:.95}70%{transform:scale(1.42);opacity:0}100%{transform:scale(1.42);opacity:0}}@keyframes waOrbit{to{transform:rotate(360deg)}}@media(max-width:620px){.floating-whatsapp{right:16px;bottom:18px}.wa-main-link{width:60px;height:60px;font-size:1.9rem}.wa-label{display:none}}

/* ========================== PÁGINA AVISO DE PRIVACIDAD ========================== */
.legal-hero{min-height:54vh;padding:145px 0 78px;position:relative;overflow:hidden;display:grid;align-items:center;background:radial-gradient(circle at 22% 20%,rgba(25,79,163,.20),transparent 32%),radial-gradient(circle at 78% 25%,rgba(201,28,35,.16),transparent 34%),linear-gradient(135deg,#f9fbff,#eef5ff)}.legal-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(25,79,163,.055) 1px,transparent 1px),linear-gradient(90deg,rgba(25,79,163,.055) 1px,transparent 1px);background-size:78px 78px;mask-image:linear-gradient(to bottom,#000,transparent 92%)}.legal-hero-content{position:relative;text-align:center;max-width:880px}.legal-hero h1{font-size:clamp(2.4rem,6vw,5.2rem);line-height:.95;margin:16px 0;background:linear-gradient(135deg,var(--azul-2),var(--azul),var(--rojo));-webkit-background-clip:text;color:transparent}.legal-hero p{font-size:1.08rem;color:#536178;line-height:1.85}.legal-orb{position:absolute;border-radius:50%;filter:blur(2px);opacity:.65}.legal-orb-one{width:260px;height:260px;left:-90px;bottom:6%;background:rgba(25,79,163,.16)}.legal-orb-two{width:210px;height:210px;right:-60px;top:18%;background:rgba(201,28,35,.13)}.legal-page{background:linear-gradient(180deg,#fff,#f5f8ff)}.legal-grid{display:grid;grid-template-columns:300px 1fr;gap:28px;align-items:start}.legal-index{position:sticky;top:105px;background:#fff;border:1px solid rgba(25,79,163,.10);box-shadow:var(--shadow);border-radius:var(--radius);padding:26px}.legal-index h2{font-size:1.15rem;margin:0 0 16px;color:var(--azul)}.legal-index a{display:block;padding:12px 14px;margin:8px 0;border-radius:14px;color:#33435d;font-weight:800;background:#f7faff;transition:.25s}.legal-index a:hover{background:var(--azul);color:#fff;transform:translateX(4px)}.legal-card{background:#fff;border:1px solid rgba(25,79,163,.10);box-shadow:var(--shadow);border-radius:var(--radius);padding:42px}.legal-card section{scroll-margin-top:120px;padding-bottom:28px;margin-bottom:28px;border-bottom:1px solid rgba(25,79,163,.09)}.legal-card section:last-of-type{border-bottom:0}.legal-card h2{font-size:clamp(1.35rem,3vw,2rem);color:var(--azul-2);margin:0 0 12px}.legal-card p{color:#5c687e;line-height:1.9}.legal-note{display:flex;gap:16px;align-items:flex-start;background:linear-gradient(135deg,rgba(25,79,163,.08),rgba(201,28,35,.06));border:1px solid rgba(25,79,163,.12);border-radius:22px;padding:18px}.legal-note i{color:var(--rojo);font-size:1.25rem;margin-top:4px}.legal-note p{margin:0}@media(max-width:980px){.legal-grid{grid-template-columns:1fr}.legal-index{position:relative;top:auto}.legal-card{padding:28px}.legal-hero{padding-top:120px}}