/* =========================================================
   DELATORRE · Sistema visual compartido (Home + 3 landings)
   Mismo archivo en /home, /fianzas, /nowo y /zerorisk
   ========================================================= */

@font-face{font-family:"Gilda Display";src:url(../fonts/gilda-display-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"LuzSans";src:url(../fonts/luzsans-book.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}

:root{
  --navy:#092439;          /* azul marino profundo (book de marca) */
  --navy-2:#0C3457;        /* azul corporativo */
  --navy-deep:#061A2A;
  --gold:#D9A45B;          /* acento dorado de banners: solo sobre fondos oscuros */
  --gold-deep:#B8925A;     /* subrayados y detalles sobre blanco */
  --gold-ink:#7A5726;      /* dorado legible sobre blanco (AA) */
  --ink:#1B2733;
  --graphite:#4D4D4D;
  --mist:#EEF2F6;
  --line:#D6DEE6;
  --white:#FFFFFF;
  --wa:#25D366;
  --serif:"Gilda Display",Georgia,"Times New Roman",serif;
  --sans:"LuzSans","Helvetica Neue",Arial,sans-serif;
  --narrow:"Arial Narrow","Roboto Condensed",Arial,sans-serif;
  --radius:6px;
  --wrap:1280px;
  --gutter:clamp(16px,4vw,40px);
  --header-h:68px;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 12px)}
body{margin:0;background:var(--white);color:var(--graphite);font-family:var(--sans);font-size:1.0625rem;line-height:1.6;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3{font-family:var(--serif);font-weight:400;color:var(--navy);line-height:1.12;margin:0 0 .5em;letter-spacing:-.005em}
h1{font-size:clamp(2.1rem,6.4vw,4.1rem)}
h2{font-size:clamp(1.85rem,4.2vw,2.9rem)}
h3{font-size:clamp(1.25rem,2.2vw,1.5rem)}
p{margin:0 0 1em}
em.oro{font-style:normal;color:var(--gold)}
.sr-only{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:2px}
.skip{position:absolute;left:12px;top:-60px;z-index:100;background:var(--navy);color:#fff;padding:10px 16px;border-radius:var(--radius)}
.skip:focus{top:12px}

/* ---------- Botones ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.6em;min-height:48px;padding:.8em 1.5em;border-radius:var(--radius);font-family:var(--sans);font-size:1rem;line-height:1.2;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:background-color .2s,color .2s,border-color .2s,transform .2s}
.btn svg{width:20px;height:20px;flex:none}
.btn-oro{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.btn-oro:hover{background:#E5B470;border-color:#E5B470}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-2)}
.btn-linea{background:transparent;color:#fff;border-color:rgba(255,255,255,.85)}
.btn-linea:hover{background:rgba(255,255,255,.1)}
.btn-linea-navy{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-linea-navy:hover{background:var(--mist)}
.btn-wa{background:var(--wa);color:#05361A;border-color:var(--wa)}
.btn-wa:hover{background:#3BE07A}
.btn:active{transform:translateY(1px)}
.acciones{display:flex;flex-wrap:wrap;gap:12px}
@media (max-width:599px){.acciones .btn{flex:1 1 100%}}

/* ---------- Header ---------- */
.header{position:sticky;top:0;z-index:50;background:#fff;transition:box-shadow .25s}
.header.con-sombra{box-shadow:0 2px 18px rgba(9,36,57,.10)}
.header .wrap{display:flex;align-items:center;justify-content:space-between;height:var(--header-h);gap:16px;transition:height .25s}
.header.compacto .wrap{height:58px}
.logo img{height:40px;width:auto}
.header.compacto .logo img{height:34px}
.nav{display:none}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:clamp(12px,1.6vw,26px)}
.nav a{color:var(--navy);text-decoration:none;font-size:.95rem;padding:6px 0;background:linear-gradient(var(--gold-deep),var(--gold-deep)) no-repeat 0 100%/0 2px;transition:background-size .25s}
.nav a:hover,.nav a[aria-current="page"]{background-size:100% 2px}
.header-acciones{display:flex;align-items:center;gap:10px}
.header-acciones .btn{min-height:44px;padding:.55em 1.1em;font-size:.95rem}
.header-acciones .hablemos{display:none}
.icono-wa{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:var(--radius);background:var(--navy);color:#fff}
.icono-wa svg{width:22px;height:22px}
.hamburguesa{display:inline-grid;place-items:center;width:44px;height:44px;border:0;background:transparent;color:var(--navy);cursor:pointer;border-radius:var(--radius)}
.hamburguesa svg{width:26px;height:26px}
.menu-movil{position:fixed;inset:0;z-index:60;background:var(--navy);color:#fff;display:flex;flex-direction:column;padding:20px var(--gutter) 32px;transform:translateX(100%);visibility:hidden;transition:transform .3s,visibility .3s}
.menu-movil.abierto{transform:none;visibility:visible}
.menu-movil .cerrar{align-self:flex-end;width:44px;height:44px;border:0;background:transparent;color:#fff;cursor:pointer}
.menu-movil ul{list-style:none;margin:24px 0 auto;padding:0}
.menu-movil li a{display:block;padding:14px 0;font-family:var(--serif);font-size:1.75rem;color:#fff;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.12)}
.menu-movil li a[aria-current="page"]{color:var(--gold)}
.menu-movil .redes{display:flex;gap:16px;margin:24px 0}
@media (min-width:1024px){
  .nav{display:block}
  .hamburguesa{display:none}
  .header-acciones .hablemos{display:inline-flex}
}
@media (min-width:600px) and (max-width:1023px){.header-acciones .hablemos{display:inline-flex}}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden;isolation:isolate}
.hero picture,.hero .hero-img{position:absolute;inset:0;width:100%;height:100%;z-index:-2}
.hero .hero-img{object-fit:cover;object-position:right center}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;
  background:linear-gradient(180deg,rgba(9,36,57,0) 0,rgba(9,36,57,.15) 34vw,rgba(9,36,57,.92) 60vw,var(--navy) 72vw)}
.hero .hero-img{object-position:center top}
.hero .wrap{display:flex;flex-direction:column;justify-content:flex-end;padding-top:62vw;padding-bottom:40px}
.hero .contexto{font-family:var(--narrow);font-size:.95rem;letter-spacing:.06em;color:var(--gold);margin:0 0 14px}
.hero h1{color:#fff;max-width:15ch;margin-bottom:.4em}
.hero .sub{font-size:clamp(1.05rem,1.6vw,1.25rem);max-width:38ch;color:rgba(255,255,255,.9);margin-bottom:1.6em}
@media (min-width:768px){
  .hero::before{background:linear-gradient(90deg,var(--navy) 0%,var(--navy) 48%,rgba(9,36,57,.7) 58%,rgba(9,36,57,.15) 74%,rgba(9,36,57,0) 84%)}
  .hero .hero-img{object-position:right center}
  .hero .wrap{min-height:min(760px,calc(100svh - var(--header-h)));justify-content:center;padding-top:72px;padding-bottom:72px}
  .hero h1{max-width:min(15ch,46vw)}
  .hero .sub{max-width:min(40ch,42vw)}
}

/* ---------- Secciones ---------- */
.seccion{padding:clamp(64px,9vw,120px) 0}
.seccion-gris{background:var(--mist)}
.seccion-navy{background:var(--navy);color:rgba(255,255,255,.86)}
.seccion-navy h2,.seccion-navy h3{color:#fff}
.lead{font-size:clamp(1.1rem,1.7vw,1.3rem);line-height:1.55;color:var(--ink);max-width:62ch}
.seccion-navy .lead{color:rgba(255,255,255,.9)}
.encabezado{max-width:720px;margin-bottom:clamp(32px,5vw,56px)}
.encabezado p{max-width:60ch}
.cierre{margin-top:clamp(32px,5vw,48px);display:flex;flex-wrap:wrap;align-items:center;gap:16px 24px}
.cierre p{margin:0;font-family:var(--serif);font-size:1.35rem;color:var(--navy)}
.seccion-navy .cierre p{color:#fff}

/* Resumen citable */
.resumen{border-left:2px solid var(--gold-deep);padding:4px 0 4px clamp(18px,3vw,32px);max-width:860px}
.resumen p{font-size:clamp(1.15rem,2vw,1.45rem);line-height:1.55;color:var(--ink);margin-bottom:.8em}
.resumen .meta{font-family:var(--narrow);font-size:.95rem;color:var(--graphite);margin:0}

/* Qué es: triángulo de las tres partes */
.que-es{display:grid;gap:clamp(32px,6vw,72px);align-items:center}
@media (min-width:960px){.que-es{grid-template-columns:1.05fr 1fr}}
.partes{position:relative;max-width:520px;margin:0 auto;width:100%}
.partes svg{width:100%;height:auto}
.partes figcaption{font-size:.95rem;margin-top:12px;color:var(--graphite)}
.beneficios{list-style:none;padding:0;margin:28px 0 0;display:grid;gap:18px 28px}
@media (min-width:600px){.beneficios{grid-template-columns:1fr 1fr}}
.beneficios li{display:grid;grid-template-columns:40px 1fr;gap:14px;align-items:start}
.beneficios svg{width:40px;height:40px;color:var(--navy)}
.beneficios strong{display:block;font-family:var(--serif);font-weight:400;font-size:1.2rem;color:var(--navy);line-height:1.25;margin-bottom:2px}
.beneficios span{font-size:.98rem}

/* Ciclo del contrato */
.ciclo{position:relative}
.ciclo-rail{display:none}
@media (min-width:960px){
  .ciclo-rail{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:18px;font-family:var(--narrow);letter-spacing:.04em;color:var(--gold)}
  .ciclo-rail span{position:relative;padding-top:18px;border-top:1px solid rgba(217,164,91,.55)}
  .ciclo-rail span::before{content:"";position:absolute;top:-6px;left:0;width:11px;height:11px;background:var(--gold);transform:rotate(45deg)}
}
.tarjetas{display:grid;gap:20px}
@media (min-width:640px){.tarjetas{grid-template-columns:repeat(2,1fr)}}
@media (min-width:960px){.tarjetas{grid-template-columns:repeat(3,1fr);gap:24px}}
.tarjeta{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:border-color .25s,transform .25s}
.tarjeta:hover{border-color:rgba(217,164,91,.6);transform:translateY(-3px)}
.tarjeta img{aspect-ratio:16/10;object-fit:cover;width:100%}
.tarjeta-cuerpo{padding:22px 22px 24px;display:flex;flex-direction:column;flex:1}
.tarjeta .momento{font-family:var(--narrow);font-size:.9rem;color:var(--gold);margin:0 0 6px}
.tarjeta h3{margin-bottom:.35em}
.tarjeta p{font-size:.98rem;margin-bottom:1.2em}
.tarjeta .enlace{margin-top:auto;display:inline-flex;align-items:center;gap:8px;min-height:44px;color:#fff;text-decoration:none;font-size:.98rem}
.tarjeta .enlace svg{width:18px;height:18px;color:var(--gold);transition:transform .2s}
.tarjeta .enlace:hover svg{transform:translateX(4px)}
.subgrupo{margin:clamp(40px,6vw,64px) 0 18px;font-family:var(--narrow);letter-spacing:.04em;color:var(--gold);display:flex;align-items:center;gap:14px}
.subgrupo::after{content:"";flex:1;height:1px;background:rgba(217,164,91,.35)}

/* Requisitos */
.requisitos{display:grid;gap:20px}
@media (min-width:860px){.requisitos{grid-template-columns:1fr 1fr;gap:28px}}
.lista-req{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px clamp(20px,3vw,36px)}
.lista-req h3{display:flex;align-items:center;gap:12px}
.lista-req h3 svg{width:30px;height:30px;color:var(--gold-deep)}
.lista-req ul{list-style:none;padding:0;margin:0}
.lista-req li{display:grid;grid-template-columns:22px 1fr;gap:12px;padding:10px 0;border-top:1px solid var(--mist);color:var(--ink)}
.lista-req li svg{width:20px;height:20px;margin-top:3px;color:var(--navy-2)}
.nota{margin-top:24px;background:var(--navy);color:rgba(255,255,255,.9);border-radius:var(--radius);padding:24px clamp(20px,3vw,36px)}
.nota h3{color:#fff;font-size:1.25rem}
.nota ul{margin:0;padding-left:1.2em}
.nota li{margin:.25em 0}

/* Factores de costo */
.costo{display:grid;gap:clamp(32px,5vw,64px)}
@media (min-width:960px){.costo{grid-template-columns:.9fr 1.1fr;align-items:start}}
.factores{list-style:none;padding:0;margin:0;counter-reset:none}
.factores li{display:grid;grid-template-columns:44px 1fr;gap:16px;padding:20px 0;border-top:1px solid var(--line)}
.factores li:last-child{border-bottom:1px solid var(--line)}
.factores svg{width:36px;height:36px;color:var(--gold-deep)}
.factores strong{display:block;font-family:var(--serif);font-weight:400;font-size:1.2rem;color:var(--navy)}

/* Proceso (secuencia real: numerado) */
.pasos{list-style:none;padding:0;margin:0;display:grid;gap:0;counter-reset:paso}
.pasos li{counter-increment:paso;position:relative;padding:0 0 28px 64px}
.pasos li::before{content:counter(paso);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;border:1.5px solid var(--gold);color:var(--gold);display:grid;place-items:center;font-family:var(--serif);font-size:1.25rem;background:var(--navy)}
.pasos li::after{content:"";position:absolute;left:22px;top:48px;bottom:4px;width:1px;background:rgba(217,164,91,.4)}
.pasos li:last-child::after{display:none}
.pasos h3{font-size:1.3rem;margin:.35em 0 .3em}
.pasos p{font-size:.98rem;margin:0}
@media (min-width:1024px){
  .pasos{grid-template-columns:repeat(6,1fr);gap:20px}
  .pasos li{padding:64px 0 0}
  .pasos li::after{left:52px;right:-14px;top:22px;bottom:auto;width:auto;height:1px}
}

/* Para quién */
.sectores{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media (min-width:640px){.sectores{grid-template-columns:repeat(4,1fr)}}
@media (min-width:1100px){.sectores{grid-template-columns:repeat(7,1fr)}}
.sectores li{display:flex;flex-direction:column;align-items:flex-start;gap:14px;padding:20px 18px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);color:var(--navy);font-size:1rem;line-height:1.3}
.sectores svg{width:34px;height:34px;color:var(--gold-deep)}

/* Prueba social */
.prueba{position:relative;color:#fff;isolation:isolate;overflow:hidden}
.prueba>picture img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.prueba::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(9,36,57,.78),rgba(9,36,57,.94) 55%,var(--navy))}
.cifra{display:flex;flex-wrap:wrap;align-items:flex-end;gap:12px 40px;margin-bottom:clamp(40px,6vw,64px)}
.cifra .num{font-family:var(--serif);font-size:clamp(4.5rem,12vw,8.5rem);line-height:.9;color:var(--gold)}
.cifra .num-txt{font-family:var(--serif);font-size:clamp(1.5rem,3vw,2.2rem);color:#fff;max-width:16ch;line-height:1.15}
.cifra ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px 28px;color:rgba(255,255,255,.85);font-family:var(--narrow);font-size:1rem;letter-spacing:.03em}
.cifra ul li{display:flex;align-items:center;gap:10px}
.cifra ul li::before{content:"";width:7px;height:7px;background:var(--gold);transform:rotate(45deg)}
.casos{display:grid;gap:20px}
@media (min-width:768px){.casos{grid-template-columns:repeat(2,1fr);gap:24px}}
.caso{background:#fff;color:var(--graphite);border-radius:var(--radius);padding:26px clamp(20px,3vw,32px);display:grid;grid-template-rows:auto 1fr;gap:16px}
.caso header{display:flex;align-items:center;gap:18px;min-height:64px}
.caso header img{height:56px;width:auto;max-width:150px;object-fit:contain;filter:grayscale(1);opacity:.9;transition:filter .3s,opacity .3s}
.caso:hover header img{filter:none;opacity:1}
.caso h3{font-size:1.2rem;margin:0}
.caso .etiqueta{display:block;font-family:var(--narrow);font-size:.88rem;color:var(--gold-ink);margin-top:2px}
.caso p{margin:0;font-size:.98rem}
.instituciones{margin-top:clamp(48px,7vw,80px)}
.instituciones h3{color:#fff;font-size:1.35rem;margin-bottom:20px;max-width:40ch}
.logos{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
@media (min-width:860px){.logos{grid-template-columns:repeat(6,1fr);gap:14px}}
.logos li{background:#fff;border-radius:var(--radius);height:84px;display:grid;place-items:center;padding:14px}
.logos img{max-height:46px;width:auto;max-width:100%;object-fit:contain;filter:grayscale(1);transition:filter .3s}
.logos li:hover img{filter:none}

/* FAQ */
.faq-grid{display:grid;gap:clamp(32px,5vw,64px)}
@media (min-width:960px){.faq-grid{grid-template-columns:.75fr 1.25fr}}
.faq details{border-top:1px solid var(--line)}
.faq details:last-of-type{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;align-items:center;padding:20px 0;min-height:48px;font-family:var(--serif);font-size:clamp(1.12rem,1.8vw,1.3rem);color:var(--navy);line-height:1.3}
.faq summary::-webkit-details-marker{display:none}
.faq summary svg{flex:none;width:22px;height:22px;color:var(--gold-deep);transition:transform .25s}
.faq details[open] summary svg{transform:rotate(45deg)}
.faq .respuesta{padding:0 0 22px;max-width:64ch;color:var(--ink)}
.faq .respuesta p:last-child{margin-bottom:0}
.faq .respuesta .btn{margin-top:4px}

/* CTA final + formulario */
.cta-final{display:grid;gap:clamp(32px,5vw,64px);align-items:start}
@media (min-width:960px){.cta-final{grid-template-columns:1fr 1fr}}
.cta-final h2 em{font-style:normal;color:var(--gold)}
.form{background:#fff;color:var(--ink);border-radius:var(--radius);padding:clamp(22px,3.5vw,40px);box-shadow:0 24px 60px rgba(0,0,0,.25)}
.form h3,.form h4{color:var(--navy)}
.form h3{font-size:1.45rem}
.campo{display:flex;flex-direction:column;gap:6px;margin-bottom:16px}
.campo label{font-size:.95rem;color:var(--navy)}
.campo input,.campo select{font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);min-height:50px;padding:10px 14px;width:100%}
.campo input:focus,.campo select:focus{border-color:var(--navy-2);outline:none;box-shadow:0 0 0 3px rgba(217,164,91,.45)}
.campo .error{display:none;color:#A12A1F;font-size:.9rem}
.campo.invalido input,.campo.invalido select{border-color:#A12A1F}
.campo.invalido .error{display:block}
.fila-2{display:grid;gap:0 16px}
@media (min-width:600px){.fila-2{grid-template-columns:1fr 1fr}}
.check{display:grid;grid-template-columns:24px 1fr;gap:10px;align-items:start;font-size:.92rem;margin:4px 0 20px}
.check input{width:20px;height:20px;margin-top:3px;accent-color:var(--navy)}
.check a{color:var(--navy-2)}
.form .btn{width:100%}
.form .aviso-envio{font-size:.88rem;color:var(--graphite);margin:12px 0 0;text-align:center}
.confirmacion{display:none}
.confirmacion.visible{display:block}
.confirmacion h3{display:flex;gap:12px;align-items:center}
.confirmacion h3 svg{width:30px;height:30px;color:#1E8E4E}
.extra{margin-top:22px;padding:20px;border-radius:var(--radius);background:var(--mist)}
.extra h4{font-family:var(--serif);font-weight:400;font-size:1.2rem;color:var(--navy);margin:0 0 6px}
.extra p{font-size:.96rem}
.contacto-directo{margin-top:28px;display:flex;flex-direction:column;gap:10px}
.contacto-directo a{display:inline-flex;align-items:center;gap:10px;color:#fff;text-decoration:none;min-height:44px}
.contacto-directo svg{width:22px;height:22px;color:var(--gold)}

/* Footer */
.footer{background:var(--navy-deep);color:rgba(255,255,255,.78);padding:56px 0 calc(28px + env(safe-area-inset-bottom));font-size:.95rem}
.footer-grid{display:grid;gap:32px}
@media (min-width:860px){.footer-grid{grid-template-columns:1.2fr 1fr 1fr}}
.footer img{height:44px;width:auto;margin-bottom:16px}
.footer h2{font-family:var(--narrow);font-size:1rem;letter-spacing:.05em;color:var(--gold);margin:0 0 12px}
.footer ul{list-style:none;margin:0;padding:0}
.footer li a{display:inline-block;padding:6px 0;color:rgba(255,255,255,.85);text-decoration:none}
.footer li a:hover{color:#fff;text-decoration:underline}
.redes{display:flex;gap:12px}
.redes a{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;border:1px solid rgba(255,255,255,.3);color:#fff}
.redes svg{width:20px;height:20px}
.legal{margin-top:40px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between}
.legal a{color:#fff}

/* WhatsApp flotante */
.wa-flotante{position:fixed;right:calc(16px + env(safe-area-inset-right));bottom:calc(16px + env(safe-area-inset-bottom));z-index:40;display:grid;place-items:center;width:60px;height:60px;border-radius:50%;background:var(--wa);color:#fff;box-shadow:0 8px 24px rgba(0,0,0,.25);transition:transform .2s,bottom .3s}
.wa-flotante svg{width:32px;height:32px}
.wa-flotante:hover{transform:scale(1.05)}
.wa-flotante.pulso::after{content:"";position:absolute;inset:0;border-radius:50%;border:2px solid var(--wa);animation:pulso 1.6s ease-out 1}
@keyframes pulso{from{transform:scale(1);opacity:.9}to{transform:scale(1.6);opacity:0}}
.wa-burbuja{position:fixed;right:88px;bottom:calc(26px + env(safe-area-inset-bottom));z-index:40;display:none;align-items:center;gap:6px;background:#fff;color:var(--navy);border-radius:var(--radius);padding:8px 8px 8px 16px;box-shadow:0 8px 24px rgba(0,0,0,.18);font-size:.95rem}
.wa-burbuja.visible{display:flex}
.wa-burbuja button{width:32px;height:32px;border:0;background:transparent;color:var(--graphite);cursor:pointer;font-size:1.2rem;line-height:1}
@media (max-width:1023px){.wa-burbuja{display:none!important}}

/* Barra fija móvil */
.barra-movil{position:fixed;left:0;right:0;bottom:0;z-index:39;background:#fff;box-shadow:0 -6px 20px rgba(9,36,57,.12);padding:10px 92px calc(10px + env(safe-area-inset-bottom)) 16px;transform:translateY(110%);transition:transform .3s}
.barra-movil.visible{transform:none}
.barra-movil .btn{width:100%}
body.barra-activa .wa-flotante{bottom:calc(14px + env(safe-area-inset-bottom))}
@media (min-width:1024px){.barra-movil{display:none}}

/* Cookies */
.cookies{position:fixed;left:12px;right:12px;bottom:calc(12px + env(safe-area-inset-bottom));z-index:70;max-width:520px;background:var(--navy);color:rgba(255,255,255,.9);border:1px solid rgba(255,255,255,.15);border-radius:var(--radius);padding:14px 16px;box-shadow:0 12px 40px rgba(0,0,0,.3);font-size:.88rem;line-height:1.45;display:none}
.cookies .acciones{flex-wrap:nowrap}
.cookies .acciones .btn{flex:1 1 auto}
.cookies.visible{display:block}
.cookies p{margin:0 0 12px}
.cookies a{color:var(--gold)}
.cookies .acciones .btn{min-height:44px;padding:.5em 1.1em;flex:0 1 auto}

/* Movimiento: un solo momento orquestado (entrada del hero) */
@media (prefers-reduced-motion:no-preference){
  .hero .contexto,.hero h1,.hero .sub,.hero .acciones{animation:subir .8s cubic-bezier(.2,.7,.2,1) both}
  .hero h1{animation-delay:.08s}.hero .sub{animation-delay:.18s}.hero .acciones{animation-delay:.28s}
  @keyframes subir{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
@media (min-width:960px){.momento-movil{display:none}}

/* =========================================================
   Componentes añadidos con NOWO (disponibles para todo el sitio)
   ========================================================= */
:root{--nowo-azul:#0646B3;--nowo-turquesa:#31BDAF;--nowo-naranja:#FF9E00}

/* Problemas (tres dolores) */
.dolores{list-style:none;padding:0;margin:0;display:grid;gap:0}
@media (min-width:860px){.dolores{grid-template-columns:repeat(3,1fr);gap:0 40px}}
.dolores li{padding:26px 0;border-top:1px solid var(--line)}
@media (min-width:860px){.dolores li{border-top:2px solid var(--navy)}}
.dolores svg{width:40px;height:40px;color:var(--gold-deep);margin-bottom:14px}
.dolores h3{font-size:1.3rem;margin-bottom:.35em}
.dolores p{margin:0;font-size:1rem}

/* Pestañas por perfil (sin JS se ven los 3 bloques apilados) */
.tablist{display:none}
.panel{padding:28px 0;border-top:1px solid var(--line)}
.panel h3{display:flex;align-items:center;gap:12px}
.panel h3 svg{width:32px;height:32px;color:var(--gold-deep)}
.lista-check{list-style:none;padding:0;margin:0;display:grid;gap:12px}
@media (min-width:860px){.lista-check{grid-template-columns:1fr 1fr;gap:14px 40px}}
.lista-check li{display:grid;grid-template-columns:24px 1fr;gap:12px;color:var(--ink)}
.lista-check li svg{width:22px;height:22px;margin-top:2px;color:var(--nowo-turquesa)}
.lista-check strong{font-weight:400;color:var(--navy);font-family:var(--serif);font-size:1.12rem;display:block;line-height:1.3}
@media (min-width:768px){
  .tabs-js .tablist{display:flex;gap:6px;border-bottom:1px solid var(--line);margin-bottom:8px}
  .tabs-js .tab{font:inherit;font-family:var(--serif);font-size:1.25rem;color:var(--graphite);background:none;border:0;padding:14px 22px 16px;min-height:48px;cursor:pointer;position:relative}
  .tabs-js .tab::after{content:"";position:absolute;left:14px;right:14px;bottom:-1px;height:3px;background:transparent;border-radius:2px;transition:background-color .2s}
  .tabs-js .tab[aria-selected="true"]{color:var(--navy)}
  .tabs-js .tab[aria-selected="true"]::after{background:var(--nowo-turquesa)}
  .tabs-js .tab:hover{color:var(--navy)}
  .tabs-js .panel{border-top:0}
  .tabs-js .panel h3{display:none}
  .tabs-js .panel[hidden]{display:none}
}

/* Tablas (coberturas y comparativa); en móvil se apilan */
.tabla-wrap{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff}
.tabla{width:100%;border-collapse:collapse;font-size:1rem;color:var(--ink)}
.tabla caption{text-align:left;padding:18px 20px;font-family:var(--serif);font-size:1.25rem;color:var(--navy);caption-side:top}
.tabla th,.tabla td{padding:16px 20px;text-align:left;vertical-align:top;border-top:1px solid var(--line)}
.tabla thead th{background:var(--navy);color:#fff;font-family:var(--narrow);font-weight:400;letter-spacing:.03em;font-size:.95rem;border-top:0}
.tabla tbody th{font-family:var(--serif);font-weight:400;color:var(--navy);font-size:1.08rem;width:28%}
.tabla .destacada{background:rgba(49,189,175,.07)}
.tabla .marca{display:inline-flex;align-items:center;gap:8px}
.tabla .marca svg{width:18px;height:18px;color:var(--nowo-turquesa);flex:none}
.tabla-nota{font-size:.9rem;color:var(--graphite);margin:12px 0 0}
@media (max-width:767px){
  .tabla thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  .tabla tr{display:block;border-top:1px solid var(--line);padding:6px 0}
  .tabla tr:first-child{border-top:0}
  .tabla th,.tabla td{display:block;border:0;padding:6px 18px;width:auto}
  .tabla tbody th{padding-top:14px;width:auto}
  .tabla td::before{content:attr(data-label);display:block;font-family:var(--narrow);font-size:.85rem;color:var(--graphite);letter-spacing:.02em}
  .tabla .destacada{background:none}
}
.vigencias{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 0;padding:0;list-style:none}
.vigencias li{border:1px solid var(--navy);color:var(--navy);border-radius:999px;padding:8px 18px;font-size:1rem}

/* Respaldo con logos de marcas aliadas */
.respaldo{display:grid;gap:clamp(28px,5vw,64px);align-items:center}
@media (min-width:960px){.respaldo{grid-template-columns:1fr 1fr}}
.aliados{display:flex;flex-wrap:wrap;align-items:center;gap:20px}
.aliados .logo-aliado{background:#fff;border-radius:var(--radius);height:112px;padding:18px 26px;display:grid;place-items:center}
.aliados .logo-aliado img{max-height:76px;width:auto}
.aliados .mas{color:var(--gold);font-family:var(--serif);font-size:2rem}
.datos-respaldo{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:14px}
.datos-respaldo li{display:flex;gap:14px;align-items:baseline;color:rgba(255,255,255,.88)}
.datos-respaldo .n{font-family:var(--serif);color:var(--gold);font-size:2rem;line-height:1;min-width:3.6ch}
@media (min-width:1024px){.pasos.pasos-4{grid-template-columns:repeat(4,1fr);gap:28px}}
.tabla thead th.destacada{background:var(--navy-2);color:#fff;box-shadow:inset 0 -3px 0 var(--nowo-turquesa)}
.tabla .marca{display:flex;align-items:flex-start}
.tabla .marca svg{margin-top:3px}
.tabla .detalle{display:block;margin:4px 0 0 26px;color:var(--graphite);font-size:.95rem}
.aliados .logo-aliado img{height:76px;width:auto}

/* =========================================================
   Acento Zero Risk Score (body.tema-zrs)
   Títulos en LuzSans (sans geométrica) y geometría circular amarilla
   ========================================================= */
:root{--zrs-amarillo:#FFCC00;--zrs-azul:#003B63}
.tema-zrs h1,.tema-zrs h2,.tema-zrs h3,.tema-zrs .faq summary,.tema-zrs .factores strong,.tema-zrs .lista-check strong,.tema-zrs .tabla tbody th,.tema-zrs .cierre p{font-family:var(--sans);letter-spacing:-.015em}
.tema-zrs h1{font-size:clamp(2.2rem,6.2vw,4rem);line-height:1.06}
.tema-zrs h2{line-height:1.1}
.tema-zrs .hero::after{content:"";position:absolute;z-index:-1;pointer-events:none;width:min(90vw,760px);aspect-ratio:1;border-radius:50%;
  border:2px solid rgba(255,204,0,.55);right:-22%;bottom:-48%;}
.tema-zrs .hero .arco2{position:absolute;z-index:-1;pointer-events:none;width:min(60vw,460px);aspect-ratio:1;border-radius:50%;border:10px solid transparent;border-top-color:var(--zrs-amarillo);border-right-color:var(--zrs-amarillo);right:-10%;top:-26%;transform:rotate(18deg);opacity:.85}
@media (max-width:767px){.tema-zrs .hero::after{display:none}.tema-zrs .hero .arco2{width:70vw;right:-34%!important;top:4%!important;border-width:6px}}
.tema-zrs .resumen{border-left-color:var(--zrs-amarillo)}
.tema-zrs .pasos li::before{border-color:var(--zrs-amarillo);color:var(--zrs-amarillo)}
.tema-zrs .pasos li::after{background:rgba(255,204,0,.35)}
.tema-zrs .subgrupo,.tema-zrs .datos-respaldo .n{color:var(--zrs-amarillo)}

/* Problema con dato citado */
.dato-citado{display:grid;gap:clamp(28px,5vw,64px);align-items:center}
@media (min-width:960px){.dato-citado{grid-template-columns:1.1fr .9fr}}
.cifra-fuente{border-top:2px solid var(--navy);padding-top:22px}
.cifra-fuente .n{display:block;font-family:var(--sans);font-size:clamp(4rem,10vw,6.5rem);line-height:1;color:var(--navy);letter-spacing:-.03em}
.cifra-fuente p{margin:.6em 0 0;color:var(--ink)}
.cifra-fuente cite{display:block;font-style:normal;font-family:var(--narrow);font-size:.9rem;color:var(--graphite);margin-top:10px}

/* Qué es: medidor */
.que-es-zrs{display:grid;gap:clamp(32px,5vw,64px);align-items:center}
@media (min-width:960px){.que-es-zrs{grid-template-columns:1fr 1fr}}
.medidor{max-width:520px;margin:0 auto;width:100%}
.medidor svg{width:100%;height:auto}

/* Beneficios en tarjetas */
.tarjetas-b{list-style:none;padding:0;margin:0;display:grid;gap:16px}
@media (min-width:640px){.tarjetas-b{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1024px){.tarjetas-b{grid-template-columns:repeat(4,1fr);gap:20px}}
.tarjetas-b li{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:26px 22px}
.tarjetas-b .ico{display:inline-grid;place-items:center;width:52px;height:52px;border-radius:50%;background:var(--zrs-amarillo);color:var(--navy);margin-bottom:18px}
.tarjetas-b .ico svg{width:28px;height:28px}
.tarjetas-b h3{font-size:1.2rem;margin-bottom:.4em}
.tarjetas-b p{margin:0;font-size:.98rem}
.extras{list-style:none;padding:0;margin:32px 0 0;display:grid;gap:10px 32px}
@media (min-width:860px){.extras{grid-template-columns:1fr 1fr}}
.extras li{display:grid;grid-template-columns:22px 1fr;gap:12px;color:rgba(255,255,255,.88)}
.extras svg{width:20px;height:20px;margin-top:3px;color:var(--zrs-amarillo)}
.extras small{display:block;color:rgba(255,255,255,.65);font-size:.88rem}
.tema-zrs .aliados .logo-aliado.oscuro{background:#063a5e;padding:12px 22px}
.tema-zrs .aliados .logo-aliado.oscuro img{height:86px;max-height:86px}
.tema-zrs .aliados .logo-aliado img.hocelot{height:36px}
.pasos.pasos-claros li::before{background:var(--zrs-amarillo,#FFCC00);color:var(--navy);border-color:var(--zrs-amarillo,#FFCC00)}
.pasos.pasos-claros li::after{background:var(--line)}
.pasos.pasos-claros h3{color:var(--navy)}
.tema-zrs .datos-respaldo .n,.tema-zrs .cifra .num{font-family:var(--sans)}
.tema-zrs .hero .arco2{top:10%;right:-12%}

/* =========================================================
   One Page Home
   ========================================================= */
.presentacion{display:grid;gap:clamp(32px,5vw,72px);align-items:start}
@media (min-width:960px){.presentacion{grid-template-columns:1fr 1fr}}
.pilares{list-style:none;padding:0;margin:0;display:grid;gap:14px}
@media (min-width:600px){.pilares{grid-template-columns:1fr 1fr}}
.pilares li{border:1px solid var(--line);border-radius:var(--radius);padding:22px 20px;background:#fff}
.pilares svg{width:36px;height:36px;color:var(--gold-deep);margin-bottom:12px}
.pilares strong{display:block;font-family:var(--serif);font-weight:400;font-size:1.25rem;color:var(--navy);line-height:1.2}
.pilares span{font-size:.97rem}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
.chip{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:8px 16px;border-radius:999px;border:1.5px solid var(--navy);color:var(--navy);text-decoration:none;font-size:.97rem;background:#fff;transition:background-color .2s,color .2s}
.chip svg{width:18px;height:18px;color:#1E8E4E}
.chip:hover{background:var(--navy);color:#fff}
.chip:hover svg{color:#fff}

/* Servicios principales: banners grandes alternados */
.servicios-p{display:grid;gap:clamp(28px,4vw,44px)}
.servicio{display:grid;gap:0;border-radius:var(--radius);overflow:hidden;background:#fff;border:1px solid var(--line)}
@media (min-width:960px){.servicio{grid-template-columns:1.45fr 1fr}.servicio:nth-child(even) .servicio-media{order:2}}
.servicio-media{position:relative;background:var(--navy);aspect-ratio:2/1;overflow:hidden}
.servicio-media img{width:100%;height:100%;object-fit:cover}
.servicio-media .hook{position:absolute;inset:0;display:flex;align-items:center;padding:0 clamp(18px,4vw,44px);background:linear-gradient(90deg,var(--navy) 0%,rgba(9,36,57,.92) 38%,rgba(9,36,57,.15) 72%,rgba(9,36,57,0));color:#fff;font-family:var(--serif);font-size:clamp(1.35rem,3vw,2.3rem);line-height:1.15}
.servicio-media .hook span{max-width:13ch}
.servicio-media .hook em{font-style:normal;color:var(--gold)}
.servicio-cuerpo{padding:clamp(22px,3.5vw,44px);display:flex;flex-direction:column;justify-content:center;gap:4px}
.servicio-cuerpo h3{font-size:clamp(1.45rem,2.4vw,1.9rem)}
.servicio-cuerpo p{color:var(--ink);margin-bottom:1.2em}
.servicio-cuerpo .btn{align-self:flex-start}

/* Complementarios */
.complementarios{list-style:none;padding:0;margin:0;display:grid;gap:20px}
@media (min-width:860px){.complementarios{grid-template-columns:repeat(3,1fr);gap:24px}}
.complementarios li{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff;transition:transform .25s,box-shadow .25s}
.complementarios li:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(9,36,57,.12)}
.complementarios img{aspect-ratio:2/1;object-fit:cover;width:100%}
.complementarios .cuerpo{padding:22px 22px 24px;display:flex;flex-direction:column;flex:1}
.complementarios h3{font-size:1.35rem;margin-bottom:.3em}
.complementarios .lema{font-family:var(--serif);color:var(--gold-ink);font-size:1.05rem;margin-bottom:.5em}
.complementarios p{font-size:.98rem}
.complementarios .btn{margin-top:auto;align-self:flex-start}

/* Enfoque con foto */
.enfoque{position:relative;isolation:isolate;overflow:hidden;color:rgba(255,255,255,.88)}
.enfoque>picture img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.enfoque::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(9,36,57,.97) 0%,rgba(9,36,57,.9) 50%,rgba(9,36,57,.78) 100%)}
.enfoque h2{color:#fff}.enfoque h2 em{font-style:normal;color:var(--gold)}
.enfoque .pasos h3{color:#fff}
@media (min-width:1024px){.pasos.pasos-5{grid-template-columns:repeat(5,1fr)}}

/* Contadores y logos de clientes */
.contadores{list-style:none;padding:0;margin:0 0 clamp(40px,6vw,64px);display:grid;grid-template-columns:repeat(3,1fr);gap:16px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.contadores li{padding:26px 8px;text-align:center}
.contadores .n{display:block;font-family:var(--serif);font-size:clamp(2.6rem,7vw,4.4rem);line-height:1;color:var(--navy)}
.contadores .t{display:block;margin-top:8px;font-size:.97rem}
.logos-clientes{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media (min-width:860px){.logos-clientes{grid-template-columns:repeat(4,1fr);gap:16px}}
.logos-clientes li{border:1px solid var(--line);border-radius:var(--radius);height:120px;display:grid;place-items:center;padding:18px;background:#fff}
.logos-clientes img{max-height:72px;width:auto;max-width:100%;object-fit:contain;filter:grayscale(1);opacity:.85;transition:filter .3s,opacity .3s}
.logos-clientes li:hover img{filter:none;opacity:1}
.instituciones-home .logos li{border:1px solid var(--line)}

/* CTA banda */
.cta-banda{text-align:center}
.cta-banda .contexto{font-family:var(--narrow);letter-spacing:.06em;color:var(--gold);margin:0 0 10px}
.cta-banda h2{margin-bottom:.8em}
.cta-banda .acciones{justify-content:center}

/* Contacto Home */
.contacto-home{display:grid;gap:clamp(32px,5vw,64px);align-items:start}
@media (min-width:960px){.contacto-home{grid-template-columns:.9fr 1.1fr}}
.datos-contacto{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:12px}
.datos-contacto a,.datos-contacto span{display:inline-flex;align-items:center;gap:12px;min-height:44px;color:var(--ink);text-decoration:none;font-size:1.05rem}
.datos-contacto svg{width:24px;height:24px;color:var(--navy)}
.seccion:not(.seccion-navy) .form{box-shadow:0 18px 48px rgba(9,36,57,.12);border:1px solid var(--line)}
.campo textarea{font:inherit;font-size:1rem;color:var(--ink);border:1.5px solid var(--line);border-radius:var(--radius);padding:10px 14px;min-height:96px;resize:vertical;width:100%}
.campo textarea:focus{border-color:var(--navy-2);outline:none;box-shadow:0 0 0 3px rgba(217,164,91,.45)}
@media (min-width:1100px){.sectores.sectores-8{grid-template-columns:repeat(8,1fr)}}
.servicio-media .hook{background:linear-gradient(90deg,var(--navy) 0%,var(--navy) 46%,rgba(9,36,57,.82) 56%,rgba(9,36,57,.15) 78%,rgba(9,36,57,0))}
.enfoque::before{background:linear-gradient(90deg,rgba(9,36,57,.96) 0%,rgba(9,36,57,.88) 45%,rgba(9,36,57,.62) 100%)}
.grupo-logos{font-family:var(--narrow);font-size:1rem;letter-spacing:.04em;color:var(--gold-ink);margin:28px 0 12px}
@media (min-width:960px){.servicio-media{aspect-ratio:auto;min-height:320px}.servicio-media img{position:absolute;inset:0}}
.servicio-media .hook span{max-width:16ch}
.servicio-media .hook{margin:0}

/* Tipografía institucional (LuzSans) también en títulos */
.tipo-institucional{--serif:"LuzSans",system-ui,sans-serif}
.tipo-institucional h1,.tipo-institucional h2,.tipo-institucional h3{letter-spacing:-.015em}
.tipo-institucional h1{line-height:1.06}
.tipo-institucional h1,.tipo-institucional h2,.tipo-institucional h3{font-weight:700}
.tipo-institucional h1{line-height:.98}
.tipo-institucional h2{line-height:1.02}
.tipo-institucional h3{line-height:1.08}
.pre-titulo{display:block;font-size:.555em;line-height:1.15;white-space:nowrap;margin-bottom:.15em}
h2 .pre-titulo{font-size:.5em;margin-bottom:.2em}
.tipo-institucional .pilares strong{font-weight:700}
/* Tarjetas de servicio más compactas (2/3 de la altura) */
@media (min-width:960px){.servicio-media{min-height:214px}.servicio-cuerpo{padding:22px 40px}.servicio-cuerpo p{margin-bottom:.8em;line-height:1.5}}
@media (max-width:959px){.servicio-media{aspect-ratio:3/1}.servicio-cuerpo{padding:18px 18px 20px}.servicio-cuerpo p{margin-bottom:.8em;line-height:1.5}}
.pre-titulo.pre-fija{font-size:.555em}
.servicio-media .hook{font-size:clamp(.9rem,2vw,1.53rem);line-height:1.05}
.servicio-media .hook em{font-weight:700}
/* Aviso de cookies compacto (mitad de tamaño) */
.cookies{max-width:300px;padding:9px 11px;font-size:.72rem;line-height:1.35}
.cookies p{margin:0 0 7px}
.cookies .acciones{gap:6px}
.cookies .acciones .btn{min-height:30px;padding:.3em .8em;font-size:.74rem;gap:.4em}
/* Sectores compacto */
#sectores{padding:clamp(40px,5vw,56px) 0}
#sectores .encabezado{margin-bottom:clamp(18px,2.5vw,28px)}
#sectores .sectores li{gap:8px;padding:14px 14px}
#sectores .sectores svg{width:28px;height:28px}
#sectores .sectores li{font-weight:700}
.marca-titulo{color:#A47A3A;white-space:nowrap}
.marca-titulo img{display:inline-block;height:.95em;width:auto;vertical-align:-.08em;margin-right:.22em}
/* Casos compacto */
#casos{padding:clamp(40px,5vw,56px) 0}
#casos .encabezado{margin-bottom:clamp(18px,2.5vw,28px)}
#casos .contadores{margin-bottom:clamp(20px,3vw,32px)}
#casos .contadores li{padding:14px 8px}
#casos .contadores .n{font-size:clamp(2.2rem,5vw,3.2rem)}
#casos .contadores .t{margin-top:4px}
#casos .logos-clientes li{height:84px;padding:12px}
#casos .logos-clientes img{max-height:54px}
@media (min-width:1100px){#casos .logos-clientes{grid-template-columns:repeat(8,1fr);gap:12px}}
#casos .contadores .t{font-weight:700;color:var(--navy)}
.dorado-titulo{color:#A47A3A}
/* Instituciones compacto */
#instituciones{padding:clamp(40px,5vw,56px) 0}
#instituciones .encabezado{margin-bottom:clamp(14px,2vw,22px)}
#instituciones .grupo-logos{margin:16px 0 8px}
#instituciones .logos li{height:64px;padding:10px}
#instituciones .logos img{max-height:38px}
#titulo-faq{color:#A47A3A}
/* CTA final compacto con logo */
.cta-banda{padding:clamp(36px,5vw,52px) 0}
.cta-banda .cta-logo{display:block;width:clamp(150px,18vw,200px);height:auto;margin:0 auto 18px}
.cta-banda h2{margin-bottom:.5em}
#titulo-contacto .pre-titulo{color:#A47A3A}
@media (min-width:760px){.cta-banda .cta-grid{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:clamp(32px,6vw,96px);text-align:left;max-width:980px}.cta-banda .cta-logo{margin:0}.cta-banda .acciones{justify-content:flex-start}.cta-banda .cta-texto{border-left:1px solid rgba(255,255,255,.18);padding-left:clamp(32px,6vw,96px)}}
#contacto .datos-contacto{gap:2px}
#contacto .datos-contacto a,#contacto .datos-contacto span{min-height:36px;line-height:1.3}
.cta-banda .cta-logo{width:clamp(200px,24vw,267px)}
/* Contacto compacto */
#contacto{padding:clamp(40px,5vw,56px) 0}
#contacto .form{padding:clamp(18px,2.5vw,28px)}
#contacto .form h3{margin-bottom:.35em}
#contacto .campo{gap:4px;margin-bottom:10px}
#contacto .campo input,#contacto .campo select{min-height:44px;padding:8px 12px}
#contacto .campo textarea{min-height:72px;height:72px}
#contacto .check{margin:2px 0 12px}
#contacto .form .aviso-envio{margin-top:8px}
/* ===== Landings: mismas decisiones de diseño que el Home ===== */
.tipo-institucional .beneficios strong,.tipo-institucional .factores strong,.tipo-institucional .lista-check strong,
.tipo-institucional .sectores li,.tipo-institucional .contadores .t,.tipo-institucional .tarjeta h3,
.tipo-institucional .datos-respaldo span:not(.n){font-weight:700}
.marca-clara{color:var(--gold)}
.seccion-navy #titulo-contacto .pre-titulo{color:inherit}
.contacto-logo{display:block;width:clamp(170px,17vw,230px);height:auto;margin:0 0 22px}
#para-quien,#experiencia,#respaldo,#requisitos{padding:clamp(40px,5vw,64px) 0}
#para-quien .encabezado,#respaldo .encabezado,#requisitos .encabezado{margin-bottom:clamp(18px,2.5vw,28px)}
/* Altura de secciones a lo necesario (todas las páginas) */
.seccion{padding:clamp(44px,5.5vw,72px) 0}
.encabezado{margin-bottom:clamp(22px,3vw,36px)}
.cta-banda{padding:clamp(36px,5vw,52px) 0}
/* Logo horizontal nuevo (más ancho) */
.logo img{height:36px}
.header.compacto .logo img{height:31px}
@media (max-width:959px){.logo img,.header.compacto .logo img{height:28px}}
@media (max-width:380px){.logo img,.header.compacto .logo img{height:24px}}
.footer img{height:40px}
.nav a,.header .btn{white-space:nowrap}
@media (min-width:960px) and (max-width:1199px){.logo img,.header.compacto .logo img{height:26px}.nav ul{gap:12px}.nav a{font-size:.86rem}}
/* Videos de fondo: la foto queda debajo como respaldo */
.video-fondo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;opacity:0;transition:opacity 1s ease;pointer-events:none}
.video-fondo.activo{opacity:1}
.hero .video-fondo{height:76vw;bottom:auto;object-position:center}
@media (min-width:768px){.hero .video-fondo{left:42%;width:58%;height:100%}}
@media (prefers-reduced-motion:reduce){.video-fondo{display:none}}
/* Portada a 4/6 de su altura (9 nov) */
@media (min-width:768px){.hero .wrap{min-height:min(507px,calc(100svh - var(--header-h)));padding-top:44px;padding-bottom:44px}}