/* ============================================================
   FinNova — hoja de estilos compartida
   ============================================================ */
:root {
  --navy: #0b1f3a;
  --deep: #082038;
  --navy-2: #14406b;
  --teal: #00c389;
  --gold: #f5b83d;
  --ink: #1a2634;
  --muted: #5b6b7b;
  --bg: #ffffff;
  --tint: #eef5f2;
  --line: #e3eaf0;
  --red: #f25c54;
  --radius: 16px;
  --shadow: 0 10px 30px rgba(11, 31, 58, 0.08);
  --max: 1120px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}

.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 20px;
}

a { color: var(--navy-2); }

h1, h2, h3, h4 { line-height: 1.2; color: var(--navy); }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.6vw, 2.3rem); margin: 0 0 10px; }
h3 { font-size: 1.2rem; margin: 0 0 8px; }

.center { text-align: center; }

.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--teal);
  margin: 0 0 10px;
}
.eyebrow.center, h2.center, .lede.center { margin-left: auto; margin-right: auto; }
.lede {
  color: var(--muted);
  max-width: 640px;
  margin: 0 auto 34px;
  font-size: 1.05rem;
}

/* ---------- Navegación ---------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-mark { width: 40px; height: 40px; display: block; }
.brand-mark svg { width: 100%; height: 100%; display: block; }
.brand-name { font-size: 1.35rem; font-weight: 800; color: var(--navy); }
.brand-name em { font-style: normal; color: var(--teal); }
.nav-links { display: flex; align-items: center; gap: 22px; }
.nav-links a { text-decoration: none; color: var(--muted); font-weight: 600; font-size: 0.98rem; }
.nav-links a:hover { color: var(--navy); }
.nav-cta {
  background: var(--navy);
  color: #fff !important;
  padding: 9px 16px;
  border-radius: 999px;
}
.nav-cta:hover { background: var(--teal); color: #04241a !important; }

/* ---------- Botones ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  text-decoration: none;
  font-weight: 700;
  border-radius: 999px;
  padding: 13px 24px;
  border: 2px solid transparent;
  cursor: pointer;
  font-size: 1rem;
  transition: transform 0.15s ease, background 0.15s ease;
}
.btn:active { transform: scale(0.98); }
.btn-primary { background: var(--teal); color: #04241a; }
.btn-primary:hover { background: #00d39a; }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,0.4); }
.btn-ghost:hover { border-color: #fff; }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); margin-top: 14px; }
.btn-outline:hover { background: var(--navy); color: #fff; }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(150deg, var(--deep), var(--navy) 60%); color: #fff; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 30px;
  align-items: center;
  padding-top: 56px;
  padding-bottom: 56px;
}
.hero-copy h1 { color: #fff; margin: 8px 0 16px; }
.hero-sub { color: #cfe3f5; font-size: 1.1rem; max-width: 520px; }
.hero-sub strong { color: #fff; }
.hero-actions { display: flex; gap: 12px; margin-top: 26px; flex-wrap: wrap; }
.hero-trust { list-style: none; padding: 0; margin: 26px 0 0; display: flex; flex-wrap: wrap; gap: 10px 22px; }
.hero-trust li { color: #cfe3f5; font-size: 0.92rem; }
.hero-trust li::before { content: "✓ "; color: var(--teal); font-weight: 800; }
.hero-illust { width: 100%; max-width: 380px; display: block; margin: 0 auto; }

/* ---------- Barra de confianza ---------- */
.bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  text-align: center;
  margin-top: -26px;
  position: relative;
  z-index: 2;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 20px;
}
.bar-item { font-size: 0.92rem; color: var(--muted); }
.bar-item strong { display: block; font-size: 1.35rem; color: var(--navy); }

/* ---------- Secciones ---------- */
.section { padding: 70px 0; }
.section-tint { background: var(--tint); }
.section-dark { background: var(--deep); }
.section-dark h2, .section-dark .lede, .section-dark .eyebrow.center { color: #fff; }
.section-dark .lede { color: #cfe3f5; }

/* ---------- Tarjetas de servicio ---------- */
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.card {
  display: block;
  text-decoration: none;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: 0 2px 0 rgba(11,31,58,0.02);
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--teal); }
.card-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  background: var(--tint);
  color: var(--teal);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.card-icon svg { width: 26px; height: 26px; }
.card h3 { color: var(--navy); }
.card p { color: var(--muted); font-size: 0.95rem; margin: 0 0 14px; }
.card-more { color: var(--teal); font-weight: 700; font-size: 0.9rem; }

/* ---------- Video ---------- */
.video-frame {
  width: 100%;
  max-width: 360px;
  aspect-ratio: 540 / 960;
  margin: 0 auto;
  border-radius: 22px;
  overflow: hidden;
  background: #000;
  box-shadow: 0 20px 60px rgba(0,0,0,0.35);
}
.video-frame:empty { min-height: 640px; }

/* ---------- Split ---------- */
.split { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 36px; align-items: center; }
.split-media svg { width: 100%; height: auto; display: block; }
.split-copy h3 { margin-top: 0; }
.split-copy p { color: var(--muted); }
.checklist { list-style: none; padding: 0; margin: 18px 0 0; }
.checklist li { padding: 7px 0 7px 30px; position: relative; color: var(--ink); }
.checklist li::before { content: "✓"; position: absolute; left: 0; top: 8px; width: 20px; height: 20px; background: var(--teal); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.75rem; font-weight: 800; }

/* ---------- Asesores ---------- */
.advisors { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-bottom: 34px; }
.advisor {
  display: flex; gap: 16px; align-items: flex-start;
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 20px;
}
.avatar {
  width: 52px; height: 52px; flex: none;
  border-radius: 50%;
  background: var(--navy); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.1rem;
}
.advisor strong { display: block; color: var(--navy); }
.advisor span { color: var(--muted); font-size: 0.85rem; display: block; margin: 2px 0 8px; }
.phone { color: var(--teal); font-weight: 700; text-decoration: none; }
.phone:hover { text-decoration: underline; }

/* ---------- Formulario ---------- */
.contact-form {
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow);
  max-width: 720px; margin: 0 auto;
}
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.row:last-of-type { align-items: center; }
.contact-form input, .contact-form select {
  width: 100%; padding: 13px 16px;
  border: 1px solid var(--line); border-radius: 12px;
  font-size: 1rem; background: var(--bg); color: var(--ink);
}
.contact-form input:focus, .contact-form select:focus { outline: 2px solid var(--teal); outline-offset: 1px; border-color: transparent; }
.form-note { font-size: 0.8rem; color: var(--muted); margin: 14px 0 0; text-align: center; }

/* ---------- Ubicación ---------- */
.loc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; align-items: center; }
.loc-info p { color: var(--muted); margin: 0 0 14px; }
.loc-info strong { color: var(--navy); }
.loc-map svg { width: 100%; height: auto; border-radius: var(--radius); display: block; box-shadow: var(--shadow); }

/* ---------- FAQ ---------- */
.faq { max-width: 720px; margin: 0 auto; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; padding: 6px 18px; }
.faq summary { cursor: pointer; font-weight: 700; color: var(--navy); padding: 12px 0; list-style: none; }
.faq summary::after { content: "+"; float: right; color: var(--teal); font-size: 1.4rem; font-weight: 800; }
.faq details[open] summary::after { content: "–"; }
.faq p { color: var(--muted); margin: 0 0 14px; }

/* ---------- Footer ---------- */
.footer { background: var(--navy); color: #cfe3f5; padding: 56px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 30px; padding-bottom: 34px; }
.footer .brand-name { color: #fff; font-size: 1.4rem; }
.footer-about { color: #a9c3d8; margin: 12px 0; }
.nit { color: #fff; font-weight: 600; }
.footer-col { display: flex; flex-direction: column; gap: 10px; }
.footer-col h4 { color: #fff; margin: 0 0 6px; }
.footer-col a { color: #a9c3d8; text-decoration: none; }
.footer-col a:hover { color: #fff; }
.socials { display: flex; gap: 12px; margin-top: 6px; }
.socials a { width: 40px; height: 40px; border-radius: 10px; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; color: #fff; }
.socials a:hover { background: var(--teal); color: #04241a; }
.socials svg { width: 20px; height: 20px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); padding: 18px 20px; font-size: 0.82rem; color: #8aa7bd; display: flex; flex-direction: column; gap: 6px; }
.disclaimer { color: #8aa7bd; }

/* ---------- Proceso (página proceso.html) ---------- */
.page-hero { background: linear-gradient(150deg, var(--deep), var(--navy) 60%); color: #fff; text-align: center; padding: 54px 0; }
.page-hero h1 { color: #fff; margin: 8px 0 12px; }
.page-hero p { color: #cfe3f5; max-width: 640px; margin: 0 auto; }
.progress { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin: 26px auto 0; max-width: 760px; }
.progress a { color: #cfe3f5; text-decoration: none; background: rgba(255,255,255,0.1); padding: 8px 14px; border-radius: 999px; font-size: 0.9rem; font-weight: 600; }
.progress a:hover { background: var(--teal); color: #04241a; }

.step-block {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 30px;
  align-items: center;
  padding: 44px 0;
  border-bottom: 1px solid var(--line);
}
.step-block:last-of-type { border-bottom: none; }
.step-media { background: var(--tint); border-radius: var(--radius); padding: 18px; }
.step-media svg { width: 100%; height: auto; display: block; }
.step-num {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 800; color: var(--teal); margin-bottom: 8px;
}
.step-num .badge { width: 26px; height: 26px; border-radius: 50%; background: var(--teal); color: #fff; display: inline-flex; align-items: center; justify-content: center; font-size: 0.85rem; }
.step-copy h2 { font-size: 1.5rem; }
.step-copy p { color: var(--muted); }
.step-copy ul { padding-left: 18px; color: var(--muted); }
.step-copy ul li { margin-bottom: 6px; }
.step-note { background: #fff7e6; border-left: 4px solid var(--gold); padding: 14px 16px; border-radius: 8px; color: #7a5c12; font-size: 0.92rem; }

/* ---------- Tabla de costos ---------- */
.table-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow); }
table.cost { width: 100%; border-collapse: collapse; background: #fff; }
table.cost th, table.cost td { text-align: left; padding: 14px 18px; border-bottom: 1px solid var(--line); font-size: 0.95rem; }
table.cost th { background: var(--navy); color: #fff; }
table.cost tr:last-child td { border-bottom: none; }
table.cost tr:nth-child(even) td { background: var(--tint); }

/* ---------- Call to action final ---------- */
.cta-band { background: linear-gradient(150deg, var(--teal), #00d39a); color: #04241a; text-align: center; padding: 54px 0; }
.cta-band h2 { color: #04241a; }
.cta-band p { color: #04462f; margin: 0 auto 22px; max-width: 560px; }
.cta-band .btn-primary { background: var(--navy); color: #fff; }
.cta-band .btn-primary:hover { background: var(--deep); }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-grid, .split, .loc-grid, .step-block { grid-template-columns: 1fr; }
  .cards, .advisors { grid-template-columns: 1fr; }
  .bar { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .nav-links { display: none; }
}
@media (max-width: 560px) {
  .row { grid-template-columns: 1fr; }
}