/* KrediHub — estilos del sitio
   Generado desde los <style> en linea de index.html. */
i[class*="ph-duotone"]{color:#7DD3FC !important;font-size:2em !important;}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
  --teal-50: #F0F9FF; --teal-100: #E0F2FE; --teal-200: #BAE6FD; --teal-300: #7DD3FC;
  --teal-400: #38BDF8; --teal-500: #0EA5E9; --teal-600: #0284C7; --teal-700: #0369A1;
  --teal-800: #075985; --teal-900: #0C4A6E; --teal-950: #082F49;
  --gold-400: #FBBF24; --gold-500: #F59E0B;
  --slate-50: #F8FAFC; --slate-100: #F1F5F9; --slate-200: #E2E8F0; --slate-300: #CBD5E1;
  --slate-400: #94A3B8; --slate-500: #64748B; --slate-600: #475569; --slate-700: #334155;
  --slate-800: #1E293B; --slate-900: #0F172A;
  --white: #FFFFFF;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'DM Sans', -apple-system, sans-serif;
}

html { scroll-behavior: smooth; }
body { font-family: var(--font-body); color: var(--slate-800); background: var(--white); overflow-x: hidden; -webkit-font-smoothing: antialiased; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

body::before {
  content: ''; position: fixed; inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.03'/%3E%3C/svg%3E");
  pointer-events: none; z-index: 9999;
}

/* NAV */
.nav { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; padding: 0 24px; transition: all 0.4s cubic-bezier(0.16,1,0.3,1); }
.nav.scrolled { background: rgba(255,255,255,0.92); backdrop-filter: blur(20px); box-shadow: 0 1px 3px rgba(0,0,0,0.06); }
.nav-inner { max-width: 1200px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; height: 80px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-icon { width: 40px; height: 40px; background: linear-gradient(135deg,#00B4D8,#0E7490); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: white; font-weight: 700; font-size: 18px; box-shadow: 0 2px 8px rgba(14,165,233,0.3); }
.logo-text { font-weight: 700; font-size: 22px; letter-spacing: -0.5px; color: var(--white); transition: color 0.4s; }
.logo-text span { color: var(--teal-300); transition: color 0.4s; }
.nav.scrolled .logo-text { color: var(--slate-900); }
.nav.scrolled .logo-text span { color: var(--teal-500); }
.nav-links { display: flex; align-items: center; gap: 28px; list-style: none; }
.nav-links a { text-decoration: none; font-size: 14px; font-weight: 500; color: rgba(255,255,255,0.8); transition: color 0.4s; position: relative; white-space: nowrap; }
.nav.scrolled .nav-links a { color: var(--slate-600); }
.nav-links a::after { content: ''; position: absolute; bottom: -4px; left: 0; width: 0; height: 2px; background: var(--teal-500); transition: width 0.3s; }
.nav-links a:hover { color: var(--white); }
.nav-links a:hover::after { width: 100%; }
.nav.scrolled .nav-links a:hover { color: var(--teal-600); }
.nav-cta { background: var(--teal-500)!important; color: white!important; padding: 10px 24px; border-radius: 8px; font-weight: 600!important; transition: all 0.3s!important; box-shadow: 0 2px 8px rgba(14,165,233,0.25); }
.nav-cta::after { display: none!important; }
.nav-cta:hover { background: var(--teal-600)!important; transform: translateY(-1px); }
.nav-login-wrapper { position: relative; }
.nav-login-btn { display: inline-flex; align-items: center; gap: 8px; padding: 8px 16px; border-radius: 10px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.15); color: rgba(255,255,255,0.9); cursor: pointer; transition: all 0.3s; font-family: var(--font-body); font-size: 14px; font-weight: 500; }
.nav-login-btn:hover { background: rgba(255,255,255,0.18); color: white; transform: translateY(-1px); }
.nav.scrolled .nav-login-btn { background: rgba(0,0,0,0.05); border-color: rgba(0,0,0,0.1); color: var(--slate-600); }
.nav.scrolled .nav-login-btn:hover { background: rgba(0,0,0,0.1); color: var(--slate-800); }
.nav-login-dropdown { display: none; position: absolute; top: calc(100% + 10px); right: 0; min-width: 220px; background: rgba(8,51,68,0.97); backdrop-filter: blur(20px); border: 1px solid rgba(255,255,255,0.12); border-radius: 14px; padding: 8px; box-shadow: 0 16px 48px rgba(0,0,0,0.4); z-index: 1001; }
.nav-login-dropdown.show { display: block; animation: fadeUp 0.2s ease-out; }
.nav.scrolled .nav-login-dropdown { background: rgba(255,255,255,0.97); border-color: var(--slate-200); box-shadow: 0 16px 48px rgba(0,0,0,0.12); }
.login-option { display: flex; align-items: center; gap: 12px; padding: 12px 14px; border-radius: 10px; text-decoration: none; transition: background 0.2s; }
.login-option:hover { background: rgba(255,255,255,0.08); }
.nav.scrolled .login-option:hover { background: var(--slate-50); }
.login-option-icon { width: 36px; height: 36px; border-radius: 10px; background: rgba(255,255,255,0.08); display: flex; align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0; }
.nav.scrolled .login-option-icon { background: var(--slate-100); }
.login-option-asesor .login-option-icon { background: rgba(14,165,233,0.15); }
.nav.scrolled .login-option-asesor .login-option-icon { background: rgba(14,165,233,0.1); }
.login-option-info { display: flex; flex-direction: column; }
.login-option-info strong { font-size: 14px; font-weight: 600; color: var(--white); }
.nav.scrolled .login-option-info strong { color: var(--slate-800); }
.login-option-info span { font-size: 12px; color: rgba(255,255,255,0.5); margin-top: 1px; }
.nav.scrolled .login-option-info span { color: var(--slate-400); }
.login-option + .login-option { border-top: 1px solid rgba(255,255,255,0.06); }
.nav.scrolled .login-option + .login-option { border-top-color: var(--slate-100); }
.mobile-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.mobile-toggle span { display: block; width: 24px; height: 2px; background: var(--white); margin: 6px 0; border-radius: 2px; }
.nav.scrolled .mobile-toggle span { background: var(--slate-700); }

/* HERO */
.hero { min-height: 100vh; display: flex; align-items: center; position: relative; overflow: hidden; background: linear-gradient(165deg,var(--slate-900) 0%,var(--teal-950) 40%,var(--teal-900) 100%); }
.hero::before { content: ''; position: absolute; top: -50%; right: -20%; width: 800px; height: 800px; background: radial-gradient(circle,rgba(14,165,233,0.15) 0%,transparent 70%); animation: pulse 8s ease-in-out infinite; }
.hero::after { content: ''; position: absolute; bottom: -30%; left: -10%; width: 600px; height: 600px; background: radial-gradient(circle,rgba(3,105,161,0.2) 0%,transparent 70%); animation: pulse 10s ease-in-out infinite reverse; }
@keyframes pulse { 0%,100% { transform: scale(1); opacity: 0.5; } 50% { transform: scale(1.15); opacity: 1; } }
.hero-grid { position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,0.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.03) 1px,transparent 1px); background-size: 60px 60px; }
.hero-content { position: relative; z-index: 2; display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; padding-top: 80px; }
.hero-left { max-width: 560px; }
.hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(14,165,233,0.12); border: 1px solid rgba(14,165,233,0.2); padding: 8px 16px; border-radius: 100px; margin-bottom: 28px; animation: fadeUp 0.8s ease-out; }
.hero-badge-dot { width: 8px; height: 8px; background: var(--teal-400); border-radius: 50%; animation: blink 2s ease-in-out infinite; }
@keyframes blink { 0%,100% { opacity: 1; } 50% { opacity: 0.4; } }
.hero-badge span { font-size: 13px; font-weight: 500; color: var(--teal-300); }
.hero h1 { font-family: var(--font-display); font-size: clamp(36px,5vw,56px); font-weight: 600; line-height: 1.1; color: var(--white); margin-bottom: 24px; animation: fadeUp 0.8s ease-out 0.1s both; }
.hero h1 em { font-style: normal; color: var(--teal-300); position: relative; }
.hero h1 em::after { content: ''; position: absolute; bottom: 2px; left: 0; right: 0; height: 3px; background: var(--teal-400); opacity: 0.4; }
.hero p { font-size: 18px; line-height: 1.7; color: var(--slate-300); margin-bottom: 40px; animation: fadeUp 0.8s ease-out 0.2s both; }
.hero-buttons { display: flex; gap: 16px; animation: fadeUp 0.8s ease-out 0.3s both; }
.btn-primary { display: inline-flex; align-items: center; gap: 10px; padding: 16px 32px; background: var(--teal-500); color: white; border: none; border-radius: 12px; font-family: var(--font-body); font-size: 16px; font-weight: 600; cursor: pointer; transition: all 0.3s; box-shadow: 0 4px 16px rgba(14,165,233,0.3); text-decoration: none; }
.btn-primary:hover { background: var(--teal-400); transform: translateY(-2px); box-shadow: 0 8px 30px rgba(14,165,233,0.4); }
.btn-secondary { display: inline-flex; align-items: center; gap: 10px; padding: 16px 32px; background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,0.2); border-radius: 12px; font-family: var(--font-body); font-size: 16px; font-weight: 500; cursor: pointer; transition: all 0.3s; text-decoration: none; }
.btn-secondary:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.35); }
@keyframes fadeUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }

/* Hero cards */
.hero-right { position: relative; height: 500px; animation: fadeUp 1s ease-out 0.4s both; }
.hero-card { position: absolute; background: rgba(255,255,255,0.06); backdrop-filter: blur(20px); border: 1px solid rgba(255,255,255,0.1); border-radius: 20px; padding: 28px; transition: transform 0.4s; }
.hero-card:hover { transform: translateY(-4px); }
.hero-card-1 { top: 20px; right: 20px; width: 320px; animation: float 6s ease-in-out infinite; }
.hero-card-2 { top: 200px; left: 0; width: 280px; animation: float 7s ease-in-out infinite 1s; }
.hero-card-3 { bottom: 20px; right: 40px; width: 300px; animation: float 8s ease-in-out infinite 2s; }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }
.hero-card-label { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: var(--teal-300); margin-bottom: 12px; }
.hero-card-value { font-family: var(--font-display); font-size: 32px; font-weight: 600; color: var(--white); margin-bottom: 4px; }
.hero-card-sub { font-size: 13px; color: var(--slate-400); }
.hero-card-row { display: flex; justify-content: space-between; align-items: center; margin-top: 16px; padding-top: 16px; border-top: 1px solid rgba(255,255,255,0.08); }
.hero-card-bank { display: flex; align-items: center; gap: 8px; }
.bank-dot { width: 10px; height: 10px; border-radius: 50%; }
.bank-name { font-size: 13px; color: var(--slate-300); font-weight: 500; }
.bank-rate { font-size: 14px; font-weight: 600; color: var(--teal-300); }
.progress-bar { width: 100%; height: 6px; background: rgba(255,255,255,0.08); border-radius: 3px; overflow: hidden; margin-top: 10px; }
.progress-fill { height: 100%; background: linear-gradient(90deg,var(--teal-400),var(--teal-300)); border-radius: 3px; }
.hero-card-steps { display: flex; gap: 8px; margin-top: 14px; }
.step { flex: 1; text-align: center; }
.step-circle { width: 28px; height: 28px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 12px; font-weight: 600; margin: 0 auto 6px; }
.step-circle.done { background: var(--teal-500); color: white; }
.step-circle.active { background: transparent; border: 2px solid var(--teal-400); color: var(--teal-300); }
.step-circle.pending { background: rgba(255,255,255,0.06); color: var(--slate-500); }
.step-label { font-size: 10px; color: var(--slate-400); }

/* ENDOSO TEASER (full landing lives in endoso.html) */
.endoso-teaser { padding: 48px 0; background: var(--white); }

@media (max-width: 820px) {
}

/* TRUST BAR */
.trust-bar { padding: 40px 0; background: var(--slate-50); border-bottom: 1px solid var(--slate-100); }
.trust-inner { display: flex; align-items: center; justify-content: center; gap: 48px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 12px; color: var(--slate-500); font-size: 14px; font-weight: 500; }
.trust-icon { width: 40px; height: 40px; background: var(--white); border: 1px solid var(--slate-200); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 18px; }

/* SECTION COMMON */
.section-label { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: var(--teal-600); margin-bottom: 16px; }
.section-label::before { content: ''; width: 20px; height: 2px; background: var(--teal-500); }
.section-title { font-family: var(--font-display); font-size: clamp(28px,3.5vw,42px); font-weight: 600; color: var(--slate-900); line-height: 1.2; margin-bottom: 16px; }
.section-subtitle { font-size: 17px; color: var(--slate-500); line-height: 1.7; max-width: 600px; }

/* SERVICES */
.services { padding: 120px 0; background: var(--white); }
.services-header { text-align: center; margin-bottom: 64px; }
.services-header .section-subtitle { margin: 0 auto; }
.services-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.service-icon.navy { background: #DBEAFE; }
.service-icon.rose { background: #FCE7F3; }

/* COLEX BANNER */
.colex-section { padding: 100px 0; background: linear-gradient(165deg, #001A4D 0%, #003087 40%, #004481 100%); position: relative; overflow: hidden; }
.colex-section::before { content: ''; position: absolute; top: -40%; right: -15%; width: 700px; height: 700px; background: radial-gradient(circle, rgba(0,100,200,0.15) 0%, transparent 70%); }
.colex-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; z-index: 2; }
.colex-label { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: #93C5FD; margin-bottom: 16px; }
.colex-label::before { content: ''; width: 20px; height: 2px; background: #60A5FA; }
.colex-title { font-family: var(--font-display); font-size: clamp(28px,3.5vw,40px); font-weight: 600; color: #FFFFFF; line-height: 1.2; margin-bottom: 16px; }
.colex-title em { font-style: normal; color: #60A5FA; }
.colex-desc { font-size: 16px; color: #BFDBFE; line-height: 1.7; margin-bottom: 28px; }
.colex-features { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 32px; }
.colex-feat { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-radius: 14px; padding: 20px; text-align: center; }
.colex-feat .cf-icon { font-size: 28px; margin-bottom: 8px; }
.colex-feat .cf-value { font-family: var(--font-display); font-size: 22px; font-weight: 700; color: #FFFFFF; }
.colex-feat .cf-label { font-size: 12px; color: #93C5FD; margin-top: 4px; }
.colex-countries { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; }
.colex-pill { padding: 6px 14px; border-radius: 100px; background: rgba(96,165,250,0.12); border: 1px solid rgba(96,165,250,0.2); font-size: 12px; color: #BFDBFE; font-weight: 500; }
.colex-ctas { display: flex; gap: 12px; flex-wrap: wrap; }
.colex-cta-primary { display: inline-flex; align-items: center; gap: 8px; padding: 14px 28px; background: #2563EB; color: #FFFFFF; border-radius: 12px; font-weight: 600; font-size: 15px; text-decoration: none; transition: all 0.3s; box-shadow: 0 4px 16px rgba(37,99,235,0.3); }
.colex-cta-primary:hover { background: #3B82F6; transform: translateY(-2px); }
.colex-cta-secondary { display: inline-flex; align-items: center; gap: 8px; padding: 14px 28px; background: transparent; color: #BFDBFE; border: 1px solid rgba(191,219,254,0.25); border-radius: 12px; font-weight: 500; font-size: 15px; text-decoration: none; transition: all 0.3s; }
.colex-cta-secondary:hover { background: rgba(255,255,255,0.06); border-color: rgba(191,219,254,0.4); }
.colex-feat-clickable { cursor: pointer; position: relative; transition: all 0.3s; }
.colex-feat-clickable:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.2); }
.colex-countries-dropdown { display: none; position: absolute; top: 100%; left: 50%; transform: translateX(-50%); min-width: 320px; background: rgba(0,20,60,0.95); backdrop-filter: blur(16px); border: 1px solid rgba(96,165,250,0.25); border-radius: 16px; padding: 20px; z-index: 50; margin-top: 8px; box-shadow: 0 16px 48px rgba(0,0,0,0.4); }
.colex-countries-dropdown.show { display: block; }
.colex-countries-dropdown h4 { font-family: var(--font-display); font-size: 14px; color: #93C5FD; margin-bottom: 12px; text-align: left; }
.colex-countries-dropdown .colex-countries { margin-bottom: 0; }
@media (max-width: 768px) {
  .colex-grid { grid-template-columns: 1fr; gap: 40px; }
  .colex-features { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: 1fr !important; }
}
.service-card { padding: 32px 24px; border-radius: 20px; border: 1px solid var(--slate-100); background: var(--white); transition: all 0.4s; position: relative; overflow: hidden; }
.service-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg,var(--teal-500),var(--teal-300)); opacity: 0; transition: opacity 0.3s; }
.service-card:hover { border-color: var(--teal-200); box-shadow: 0 20px 60px rgba(0,0,0,0.06); transform: translateY(-4px); }
.service-card:hover::before { opacity: 1; }
.service-icon { width: 56px; height: 56px; border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 26px; margin-bottom: 20px; }
.service-icon.teal { background: var(--teal-50); }
.service-icon.gold { background: #FEF3C7; }
.service-icon.blue { background: #EFF6FF; }
.service-icon.purple { background: #F3E8FF; }
.service-icon.green { background: #ECFDF5; }
.service-card h3 { font-family: var(--font-display); font-size: 19px; font-weight: 600; color: var(--slate-900); margin-bottom: 6px; }
.service-rate { font-size: 13px; font-weight: 600; color: var(--teal-600); margin-bottom: 10px; }
.service-card p { font-size: 13px; line-height: 1.6; color: var(--slate-500); margin-bottom: 16px; }
.service-link { display: inline-flex; align-items: center; gap: 6px; font-size: 14px; font-weight: 600; color: var(--teal-600); text-decoration: none; transition: gap 0.3s; }
.service-link:hover { gap: 10px; }

/* Pilares: Créditos y Seguros — deben ir después de .service-card para poder pisarlo */
.services.pillar-seguros { background: var(--slate-50); padding: 100px 0; }
.service-card.service-card--feature { grid-column: span 2; background: linear-gradient(150deg,var(--teal-950),var(--teal-800)); border: none; padding: 40px 38px; display: flex; flex-direction: column; justify-content: center; }
.service-card.service-card--feature:hover { box-shadow: 0 24px 60px rgba(8,51,68,0.28); }
.service-card.service-card--feature h3 { color: #fff; font-size: 27px; margin-bottom: 8px; }
.service-card.service-card--feature p { color: var(--slate-300); font-size: 15.5px; max-width: 500px; }
.service-card.service-card--feature .service-rate { color: var(--teal-300); }
.service-card.service-card--feature .service-link { color: var(--teal-300); }
.service-card.service-card--feature .service-icon { background: rgba(255,255,255,0.1); }
.service-card.service-card--hook { border: 2px solid var(--teal-400); }
.service-hook-badge { position: absolute; top: 0; right: 0; background: var(--teal-500); color: #fff; font-size: 10.5px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; padding: 6px 14px; border-bottom-left-radius: 12px; z-index: 2; }
.services-more { margin-top: 28px; font-size: 15px; color: var(--slate-500); text-align: center; }
.services-more a { color: var(--teal-600); text-decoration: none; font-weight: 600; }

/* Simulador rápido del hero — alimenta el cotizador real (#cotizador) */
.hero-right { height: auto; display: flex; align-items: center; }
/* Los orbes que inyecta el script del hero acompañaban a las tarjetas flotantes
   3D que este formulario reemplazó. Como .hero-right tiene perspective, quedan
   en un contexto 3D donde el z-index no los ordena y tapan los campos. */
.hero-right .kh-orb { display: none; }
.hero-sim { position: relative; z-index: 2; width: 100%; background: rgba(255,255,255,0.06); backdrop-filter: blur(20px); border: 1px solid rgba(255,255,255,0.12); border-radius: 22px; padding: 30px; }
.hero-sim-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--teal-300); margin-bottom: 14px; }
.hero-sim-title { font-family: var(--font-display); color: #fff; font-size: 23px; font-weight: 600; margin-bottom: 20px; }
.hero-sim-field { margin-bottom: 15px; }
.hero-sim-field label { display: block; font-size: 12.5px; font-weight: 500; color: var(--slate-300); margin-bottom: 7px; }
.hero-sim-field input, .hero-sim-field select { width: 100%; height: 48px; border-radius: 11px; background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.15); color: #fff; font-size: 15px; font-family: var(--font-body); font-weight: 500; padding: 0 14px; outline: none; transition: border-color .2s, background .2s; -webkit-appearance: none; appearance: none; }
.hero-sim-field select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2394A3B8' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
.hero-sim-field select option { background: var(--slate-900); color: #fff; }
.hero-sim-field input:focus, .hero-sim-field select:focus { border-color: var(--teal-400); background: rgba(255,255,255,0.1); }
.hero-sim-cta { width: 100%; margin-top: 6px; padding: 15px; border: none; border-radius: 12px; background: linear-gradient(135deg,var(--teal-400),var(--teal-600)); color: #fff; font-family: var(--font-body); font-size: 16px; font-weight: 700; cursor: pointer; box-shadow: 0 6px 20px rgba(0,180,216,0.35); transition: transform .2s, box-shadow .2s; }
.hero-sim-cta:hover { transform: translateY(-2px); box-shadow: 0 10px 28px rgba(0,180,216,0.45); }
.hero-sim-foot { text-align: center; font-size: 12px; color: rgba(255,255,255,0.45); margin-top: 13px; }
@media (max-width: 980px) { .hero-sim { padding: 24px 20px; } }

/* Franja de herramientas */
.tools-strip { padding: 44px 0; background: var(--white); border-top: 1px solid var(--slate-200); border-bottom: 1px solid var(--slate-200); }
.tools-strip-inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap; }
.tools-strip-text .section-label { margin-bottom: 8px; }
.tools-strip-text h2 { font-family: var(--font-display); font-size: clamp(21px,2.4vw,27px); font-weight: 600; color: var(--slate-900); }
.tools-strip-links { display: flex; gap: 10px; flex-wrap: wrap; }
.tools-strip-links a { display: inline-flex; align-items: center; gap: 8px; padding: 11px 20px; border-radius: 999px; background: var(--teal-50); border: 1px solid var(--teal-100); color: var(--teal-700); font-size: 14.5px; font-weight: 600; text-decoration: none; transition: background .2s, border-color .2s; }
.tools-strip-links a:hover { background: var(--teal-100); border-color: var(--teal-200); }
@media (max-width: 760px) { .tools-strip-inner { flex-direction: column; align-items: flex-start; } }
@media (max-width: 900px) {
  .service-card.service-card--feature { grid-column: span 1; padding: 32px 24px; }
  .service-card.service-card--feature h3 { font-size: 22px; }
}

/* BANKS SECTION */
.banks-section { padding: 80px 0; background: var(--slate-50); border-top: 1px solid var(--slate-100); border-bottom: 1px solid var(--slate-100); }
.banks-header { text-align: center; margin-bottom: 48px; }
.banks-header .section-subtitle { margin: 0 auto; }
.banks-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; max-width: 900px; margin: 0 auto; }
.bank-card-item {
  padding: 24px 20px; border-radius: 16px; background: var(--white);
  border: 1px solid var(--slate-200); text-align: center; transition: all 0.3s;
}
.bank-card-item:hover { border-color: var(--teal-300); box-shadow: 0 8px 30px rgba(0,0,0,0.06); transform: translateY(-2px); }
.bank-card-item .bank-logo { width: 100px; height: 50px; object-fit: contain; margin-bottom: 10px; }
.bank-card-item .bank-label { font-size: 15px; font-weight: 600; color: var(--slate-800); }

/* COTIZADOR */
.cotizador { padding: 100px 0; background: linear-gradient(180deg,var(--slate-50) 0%,var(--white) 100%); }
.cotizador-header { text-align: center; margin-bottom: 48px; }
.cotizador-header .section-subtitle { margin: 0 auto; }
.product-tabs { display: flex; justify-content: center; gap: 8px; margin-bottom: 40px; flex-wrap: wrap; }
.product-tab { padding: 12px 24px; border: 2px solid var(--slate-200); border-radius: 12px; background: var(--white); font-family: var(--font-body); font-size: 14px; font-weight: 600; color: var(--slate-600); cursor: pointer; transition: all 0.3s; display: flex; align-items: center; gap: 8px; }
.product-tab:hover { border-color: var(--teal-300); color: var(--teal-700); }
.product-tab.active { background: var(--teal-500); border-color: var(--teal-500); color: white; box-shadow: 0 4px 16px rgba(14,165,233,0.3); }

/* Tipo de vehiculo. La tasa cambia bastante entre gasolina, hibrido y
   productivo, y hay bancos que no financian todos: sin preguntarlo, el
   cotizador le mostraria a un comprador de gasolina la tasa del hibrido. */
.kh-tipo-veh-row { margin-bottom: 16px; }
.kh-tipo-veh-chips { display: flex; gap: 8px; flex-wrap: wrap; }
.kh-tipo-veh { padding: 8px 18px; border: 2px solid var(--slate-200); border-radius: 10px; background: var(--white); font-family: var(--font-body); font-size: 13px; font-weight: 700; color: var(--slate-500); cursor: pointer; transition: all 0.2s; }
.kh-tipo-veh:hover { border-color: var(--teal-300); color: var(--teal-700); }
.kh-tipo-veh.active { background: var(--teal-50); border-color: var(--teal-500); color: var(--teal-700); }
.kh-tipo-veh-hint { font-size: 12px; color: var(--slate-400); margin-top: 8px; }
.sim-mode-toggle { display: flex; gap: 8px; margin-bottom: 24px; background: var(--slate-100); border-radius: 12px; padding: 4px; }
.sim-mode-btn { flex: 1; padding: 12px 16px; border: none; border-radius: 10px; font-family: var(--font-body); font-size: 14px; font-weight: 600; cursor: pointer; transition: all 0.3s; background: transparent; color: var(--slate-500); }
.sim-mode-btn.active { background: var(--white); color: var(--teal-700); box-shadow: 0 2px 8px rgba(0,0,0,0.08); }
.sim-mode-btn:hover:not(.active) { color: var(--teal-600); }
.sim-capacity-bar { background: linear-gradient(135deg, rgba(14,165,233,0.06), rgba(3,105,161,0.06)); border: 1px solid var(--teal-200); border-radius: 14px; padding: 18px 20px; margin-top: 8px; }
.capacity-info { display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; font-size: 13px; color: var(--slate-600); }
.capacity-info strong { font-size: 20px; color: var(--teal-700); font-family: var(--font-display); }
.capacity-track { height: 10px; background: var(--slate-200); border-radius: 5px; overflow: hidden; margin-bottom: 10px; }
.capacity-fill { height: 100%; background: linear-gradient(90deg, #10B981, #0EA5E9); border-radius: 5px; transition: width 0.4s ease; }
.capacity-fill.warning { background: linear-gradient(90deg, #F59E0B, #EF4444); }
.capacity-detail { display: flex; justify-content: space-between; font-size: 12px; color: var(--slate-500); }
.capacity-detail strong { color: var(--slate-700); }
.simulator-card { max-width: 900px; margin: 0 auto; background: var(--white); border-radius: 24px; border: 1px solid var(--slate-200); box-shadow: 0 24px 80px rgba(0,0,0,0.08); overflow: hidden; }
.simulator-top { padding: 40px 40px 32px; }
.sim-row { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 24px; }
.sim-label { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; color: var(--slate-400); margin-bottom: 8px; }
.sim-input { width: 100%; padding: 14px 16px; border: 1px solid var(--slate-200); border-radius: 10px; font-family: var(--font-body); font-size: 18px; font-weight: 600; color: var(--slate-800); background: var(--slate-50); transition: border-color 0.2s; }
.sim-input:focus { outline: none; border-color: var(--teal-400); background: white; }
.sim-input.error { border-color: #EF4444; background: #FEF2F2; }
.sim-ltv-hint { margin: -14px 0 22px; font-size: 13.5px; line-height: 1.5; color: var(--slate-500); }
.sim-ltv-hint.warn { padding: 12px 14px; border-radius: 10px; background: #FEF3C7; border: 1px solid #FCD34D; color: #92400E; font-weight: 500; margin-top: -8px; }
.sim-ltv-hint b { color: inherit; font-weight: 700; }
.sim-slider { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; background: var(--slate-100); border-radius: 4px; outline: none; margin: 8px 0; }
.sim-slider::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; background: var(--teal-500); border-radius: 50%; cursor: pointer; border: 3px solid white; box-shadow: 0 2px 8px rgba(14,165,233,0.35); }
.sim-slider::-moz-range-thumb { width: 24px; height: 24px; background: var(--teal-500); border-radius: 50%; cursor: pointer; border: 3px solid white; box-shadow: 0 2px 8px rgba(14,165,233,0.35); }
.sim-range { display: flex; justify-content: space-between; font-size: 12px; color: var(--slate-400); margin-top: 4px; }
.sim-range .current { font-weight: 700; color: var(--teal-600); font-size: 14px; }
.sim-results { background: var(--teal-950); padding: 36px 40px; }
.sim-results-title { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--teal-300); margin-bottom: 20px; }
.sim-bank-row { display: flex; justify-content: space-between; align-items: center; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,0.06); }
.sim-bank-row:last-child { border: none; }
.sim-bank-left { display: flex; align-items: center; gap: 12px; }
.sim-bank-medal { font-size: 20px; width: 28px; text-align: center; }
.sim-bank-name { font-size: 15px; font-weight: 600; color: var(--white); }
.sim-bank-badge { font-size: 11px; color: var(--slate-400); }
.sim-bank-right { text-align: right; }
.sim-bank-rate { font-size: 16px; font-weight: 700; color: var(--teal-300); }
.sim-bank-payment { font-size: 13px; color: var(--slate-400); }
.sim-cta { display: flex; justify-content: center; gap: 12px; margin-top: 28px; flex-wrap: wrap; }
.sim-cta .btn-primary { padding: 14px 28px; font-size: 15px; }
.sim-see-all { display: inline-flex; align-items: center; gap: 6px; color: var(--teal-300); font-size: 14px; font-weight: 600; cursor: pointer; background: none; border: 1px solid rgba(125,211,252,0.2); padding: 14px 28px; border-radius: 12px; font-family: var(--font-body); transition: all 0.3s; }
.sim-see-all:hover { background: rgba(125,211,252,0.1); border-color: rgba(125,211,252,0.4); }
.all-banks-container { display: none; margin-top: 20px; border-top: 1px solid rgba(255,255,255,0.06); padding-top: 16px; }
.all-banks-container.show { display: block; }

/* ─── Puente simulador → ProPHub ───
   Vive dentro de .sim-results, que es fondo oscuro (--teal-950): por eso los
   tonos van sobre blanco translucido y no sobre superficies claras.
   Prefijo phm- (prophub match) a proposito: ph- ya lo usa Phosphor Icons. */
.phm { margin-top: 26px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,0.08); }
.phm-head { margin-bottom: 16px; }
.phm-title { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--teal-300); margin-bottom: 6px; }
.phm-sub { font-size: 14px; color: var(--slate-400); line-height: 1.5; }
.phm-sub b { color: var(--white); font-weight: 600; }
.phm-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.phm-card { display: block; text-decoration: none; background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08); border-radius: 12px; overflow: hidden; transition: transform .2s, border-color .2s, background .2s; }
.phm-card:hover { transform: translateY(-3px); border-color: rgba(125,211,252,0.45); background: rgba(255,255,255,0.07); }
.phm-card:focus-visible { outline: 2px solid var(--teal-300); outline-offset: 2px; }
.phm-photo { display: block; width: 100%; height: 116px; object-fit: cover; background: linear-gradient(135deg, var(--teal-700), var(--teal-950)); }
.phm-body { padding: 11px 13px 13px; }
.phm-name { font-size: 13.5px; font-weight: 600; color: var(--white); line-height: 1.35; display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden; min-height: 2.7em; }
.phm-price { font-size: 16px; font-weight: 700; color: var(--teal-300); margin-top: 6px; font-variant-numeric: tabular-nums; }
.phm-meta { font-size: 12px; color: var(--slate-400); margin-top: 3px; }
.phm-foot { margin-top: 16px; text-align: center; }
.phm-all { display: inline-flex; align-items: center; gap: 6px; color: var(--teal-300); font-size: 13.5px; font-weight: 600; text-decoration: none; border-bottom: 1px solid rgba(125,211,252,0.3); padding-bottom: 2px; transition: color .2s, border-color .2s; }
.phm-all:hover { color: var(--white); border-color: var(--white); }
.phm-empty { font-size: 14px; color: var(--slate-400); line-height: 1.6; }
@media (max-width: 720px) { .phm-grid { grid-template-columns: 1fr; } .phm-photo { height: 150px; } .phm-name { min-height: 0; } }
@media (prefers-reduced-motion: reduce) { .phm-card, .phm-card:hover { transition: none; transform: none; } }
.notarial-box { margin-top: 24px; background: linear-gradient(135deg, rgba(16,185,129,0.08), rgba(3,105,161,0.08)); border: 1px solid rgba(16,185,129,0.2); border-radius: 14px; padding: 20px 22px; }
.notarial-box h4 { color: #67E8E9; font-size: 15px; margin: 0 0 14px 0; display: flex; align-items: center; gap: 8px; }
.notarial-row { display: flex; justify-content: space-between; align-items: center; padding: 7px 0; border-bottom: 1px solid rgba(255,255,255,0.05); font-size: 13px; }
.notarial-row:last-of-type { border-bottom: none; }
.notarial-row .nr-label { color: #94A3B8; }
.notarial-row .nr-value { color: #E2E8F0; font-weight: 600; font-family: var(--font-heading); }
.notarial-total { display: flex; justify-content: space-between; align-items: center; padding: 12px 0 0 0; margin-top: 8px; border-top: 2px solid rgba(125,211,252,0.2); font-size: 15px; font-weight: 700; }
.notarial-total .nr-label { color: #67E8E9; }
.notarial-total .nr-value { color: #10B981; font-size: 17px; font-family: var(--font-heading); }
.notarial-note { font-size: 11px; color: #64748B; margin-top: 12px; line-height: 1.5; }

/* PROCESS */
.process { padding: 120px 0; background: var(--white); }
.process-header { text-align: center; margin-bottom: 72px; }
.process-header .section-subtitle { margin: 0 auto; }
.process-steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 32px; position: relative; }
.process-steps::before { content: ''; position: absolute; top: 40px; left: 15%; right: 15%; height: 2px; background: linear-gradient(90deg,var(--teal-200),var(--teal-400),var(--teal-200)); }
.process-step { text-align: center; position: relative; }
.step-number { width: 80px; height: 80px; border-radius: 50%; background: var(--white); border: 2px solid var(--teal-200); display: flex; align-items: center; justify-content: center; margin: 0 auto 24px; position: relative; z-index: 2; transition: all 0.3s; }
.step-number span { font-family: var(--font-display); font-size: 28px; font-weight: 600; color: var(--teal-600); }
.process-step:hover .step-number { background: var(--teal-500); border-color: var(--teal-500); box-shadow: 0 8px 24px rgba(14,165,233,0.3); }
.process-step:hover .step-number span { color: white; }
.process-step h3 { font-family: var(--font-display); font-size: 20px; font-weight: 600; color: var(--slate-800); margin-bottom: 8px; }
.process-step p { font-size: 14px; color: var(--slate-500); line-height: 1.6; max-width: 220px; margin: 0 auto; }

/* STATS */
.stats { padding: 80px 0; background: linear-gradient(135deg,var(--teal-900),var(--teal-950)); position: relative; overflow: hidden; }
.stats::before { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,0.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.03) 1px,transparent 1px); background-size: 40px 40px; }
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 40px; position: relative; z-index: 2; }
.stat-item { text-align: center; }
.stat-value { font-family: var(--font-display); font-size: clamp(36px,4vw,48px); font-weight: 600; color: var(--white); margin-bottom: 8px; }
.stat-value span { color: var(--teal-300); }
.stat-label { font-size: 14px; color: var(--slate-400); font-weight: 500; }

/* TESTIMONIALS */
.testimonials { padding: 120px 0; background: var(--slate-50); }
.testimonials-header { text-align: center; margin-bottom: 64px; }
.testimonials-header .section-subtitle { margin: 0 auto; }
.testimonials-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.testimonial-card { background: var(--white); border-radius: 20px; padding: 36px; border: 1px solid var(--slate-100); transition: all 0.3s; }
.testimonial-card:hover { box-shadow: 0 12px 40px rgba(0,0,0,0.06); transform: translateY(-2px); }
.testimonial-stars { color: var(--gold-400); font-size: 16px; letter-spacing: 2px; margin-bottom: 16px; }
.testimonial-text { font-size: 15px; line-height: 1.7; color: var(--slate-600); margin-bottom: 24px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg,var(--teal-200),var(--teal-400)); display: flex; align-items: center; justify-content: center; font-weight: 600; color: var(--white); font-size: 16px; }
.testimonial-name { font-size: 15px; font-weight: 600; color: var(--slate-800); }
.testimonial-role { font-size: 13px; color: var(--slate-400); }
.contact-header .section-subtitle { margin: 0 auto; }

/* CTA */
.cta { padding: 120px 0; background: var(--white); }
.cta-box { background: linear-gradient(135deg,var(--teal-600),var(--teal-800)); border-radius: 32px; padding: 80px 60px; text-align: center; position: relative; overflow: hidden; }
.cta-box::before { content: ''; position: absolute; top: -50%; right: -20%; width: 500px; height: 500px; background: radial-gradient(circle,rgba(255,255,255,0.08) 0%,transparent 70%); }
.cta-box h2 { font-family: var(--font-display); font-size: clamp(28px,3.5vw,40px); font-weight: 600; color: var(--white); margin-bottom: 16px; position: relative; }
.cta-box p { font-size: 17px; color: rgba(255,255,255,0.75); margin-bottom: 40px; max-width: 500px; margin-left: auto; margin-right: auto; line-height: 1.6; position: relative; }
/* Canales de contacto dentro del cierre: antes eran una sección aparte, .contact-section */
.cta-channels { position: relative; display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; margin-top: 44px; padding-top: 34px; border-top: 1px solid rgba(255,255,255,0.16); }
.cta-channel { display: inline-flex; align-items: center; gap: 12px; padding: 14px 20px; border-radius: 14px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.14); color: #fff; text-decoration: none; font-size: 15px; font-weight: 600; transition: background .2s, border-color .2s, transform .2s; }
.cta-channel:hover { background: rgba(255,255,255,0.14); border-color: rgba(255,255,255,0.28); transform: translateY(-2px); }
.cta-channel small { display: block; font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.07em; color: rgba(255,255,255,0.6); margin-bottom: 3px; }
@media (max-width: 700px) { .cta-channels { flex-direction: column; align-items: stretch; } .cta-channel { justify-content: flex-start; } }
.cta-buttons { display: flex; justify-content: center; gap: 16px; position: relative; }
.btn-white { display: inline-flex; align-items: center; gap: 10px; padding: 16px 36px; background: var(--white); color: var(--teal-700); border: none; border-radius: 12px; font-family: var(--font-body); font-size: 16px; font-weight: 600; cursor: pointer; transition: all 0.3s; text-decoration: none; }
.btn-white:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(0,0,0,0.15); }
.btn-outline-white { display: inline-flex; align-items: center; gap: 10px; padding: 16px 36px; background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,0.3); border-radius: 12px; font-family: var(--font-body); font-size: 16px; font-weight: 500; cursor: pointer; transition: all 0.3s; text-decoration: none; }
.btn-outline-white:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.5); }

/* FOOTER */
.footer { background: var(--slate-900); padding: 80px 0 40px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 60px; }
.footer-brand p { font-size: 14px; line-height: 1.7; color: var(--slate-400); margin-top: 16px; max-width: 300px; }
.footer-socials { display: flex; gap: 12px; margin-top: 20px; }
.footer-social { width: 40px; height: 40px; border-radius: 10px; background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.08); display: flex; align-items: center; justify-content: center; color: var(--slate-400); text-decoration: none; font-size: 16px; transition: all 0.3s; }
.footer-social:hover { background: var(--teal-600); border-color: var(--teal-500); color: white; }
.footer-col h4 { font-size: 14px; font-weight: 600; color: var(--white); margin-bottom: 20px; text-transform: uppercase; letter-spacing: 0.05em; }
.footer-col a { display: block; font-size: 14px; color: var(--slate-400); text-decoration: none; margin-bottom: 12px; transition: color 0.2s; }
.footer-col a:hover { color: var(--teal-300); }
.footer-broker-cta {
  margin: 40px 0;
  padding: 32px 36px;
  background: linear-gradient(135deg, rgba(14,165,233,0.08) 0%, rgba(245,158,11,0.08) 100%);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.footer-broker-content { flex: 1; min-width: 280px; }
.footer-broker-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: #F59E0B;
  background: rgba(245,158,11,0.12);
  padding: 4px 10px;
  border-radius: 6px;
  margin-bottom: 12px;
}
.footer-broker-content h3 {
  font-size: 22px;
  font-weight: 700;
  color: #fff;
  margin: 0 0 8px;
  letter-spacing: -0.3px;
}
.footer-broker-content p {
  font-size: 14px;
  line-height: 1.6;
  color: var(--slate-400);
  margin: 0;
  max-width: 540px;
}
.footer-broker-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.footer-broker-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.3s;
}
.footer-broker-btn--primary {
  background: var(--teal-500);
  color: #fff;
  box-shadow: 0 4px 12px rgba(14,165,233,0.25);
}
.footer-broker-btn--primary:hover {
  background: var(--teal-600);
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(14,165,233,0.35);
}
.footer-broker-btn--ghost {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255,255,255,0.18);
}
.footer-broker-btn--ghost:hover {
  background: rgba(255,255,255,0.06);
  border-color: rgba(255,255,255,0.3);
}
@media (max-width: 768px) {
  .footer-broker-cta { padding: 24px; flex-direction: column; align-items: flex-start; }
  .footer-broker-content h3 { font-size: 18px; }
  .footer-broker-actions { width: 100%; }
  .footer-broker-btn { flex: 1; justify-content: center; }
}
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.06); padding-top: 32px; display: flex; justify-content: space-between; align-items: center; }
.footer-bottom p { font-size: 13px; color: var(--slate-500); }
.footer-bottom a { font-size: 13px; color: var(--slate-500); text-decoration: none; transition: color 0.2s; }
.footer-bottom a:hover { color: var(--teal-300); }
.footer-legal { display: flex; gap: 24px; }

/* WHATSAPP */
.whatsapp-btn { position: fixed; bottom: 28px; right: 28px; width: 60px; height: 60px; background: #25D366; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-size: 28px; text-decoration: none; box-shadow: 0 4px 20px rgba(37,211,102,0.4); z-index: 999; transition: all 0.3s; }
.whatsapp-btn:hover { transform: scale(1.1); box-shadow: 0 6px 28px rgba(37,211,102,0.5); }

/* LEGAL PAGES (modal style) */
.legal-overlay { position: fixed; inset: 0; z-index: 10000; background: rgba(0,0,0,0.7); backdrop-filter: blur(4px); display: none; align-items: flex-start; justify-content: center; padding: 40px 20px; overflow-y: auto; }
.legal-overlay.show { display: flex; }
.legal-card { background: var(--white); border-radius: 20px; padding: 48px 40px; max-width: 800px; width: 100%; color: var(--slate-800); position: relative; }
.legal-card h2 { font-family: var(--font-display); font-size: 28px; font-weight: 600; color: var(--slate-900); margin-bottom: 24px; }
.legal-card h3 { font-size: 18px; font-weight: 600; color: var(--teal-700); margin: 24px 0 12px; }
.legal-card p { font-size: 14px; line-height: 1.8; color: var(--slate-600); margin-bottom: 12px; }
.legal-card ul { padding-left: 24px; margin-bottom: 12px; }
.legal-card li { font-size: 14px; line-height: 1.8; color: var(--slate-600); margin-bottom: 6px; }
.legal-close { position: absolute; top: 16px; right: 20px; background: none; border: none; font-size: 28px; color: var(--slate-400); cursor: pointer; }
.legal-close:hover { color: var(--slate-900); }

/* RESPONSIVE */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; }
  /* .hero-right ya no es decorativo: ahora lleva el simulador rápido, así que
     debe seguir visible en móvil, que es de donde llega la mayoría del tráfico. */
  .hero-right { display: flex; margin-top: 36px; }
  .services-grid { grid-template-columns: repeat(2,1fr); }
  .banks-grid { grid-template-columns: repeat(2,1fr); }
  .process-steps { grid-template-columns: repeat(2,1fr); }
  .process-steps::before { display: none; }
  .stats-grid { grid-template-columns: repeat(2,1fr); gap: 32px; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .sim-row { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav-links { display: none; position: absolute; top: 80px; left: 0; right: 0; background: rgba(8,51,68,0.98); backdrop-filter: blur(20px); flex-direction: column; padding: 24px; gap: 12px; z-index: 1000; box-shadow: 0 16px 48px rgba(0,0,0,0.4); border-bottom: 1px solid rgba(255,255,255,0.08); }
  .nav-links.show { display: flex; }
  .nav-links a { color: rgba(255,255,255,0.9) !important; font-size: 16px !important; padding: 8px 0; }
  .nav-links .nav-cta { text-align: center; display: block; padding: 12px 20px !important; border-radius: 10px; margin-top: 4px; }
  .nav-login-wrapper { width: 100%; }
  .nav-login-btn { width: 100%; justify-content: center; padding: 12px 20px; border-radius: 10px; }
  .nav-login-dropdown { position: static; margin-top: 8px; min-width: auto; background: rgba(255,255,255,0.04); border-color: rgba(255,255,255,0.08); box-shadow: none; backdrop-filter: none; border-radius: 12px; }
  .nav-login-dropdown.show { display: block; }
  .mobile-toggle { display: block; }
  .hero { min-height: auto; padding: 120px 0 80px; }
  .hero-buttons { flex-direction: column; }
  .services-grid, .testimonials-grid { grid-template-columns: 1fr; }
  .banks-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .cta-box { padding: 48px 28px; }
  .cta-buttons { flex-direction: column; align-items: center; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 16px; text-align: center; }
  .footer-legal { justify-content: center; }
  .product-tabs { gap: 6px; }
  .product-tab { padding: 10px 16px; font-size: 13px; }
  .simulator-top { padding: 24px 20px; }
  .sim-results { padding: 24px 20px; }
  .sim-mode-toggle { flex-direction: column; gap: 4px; }
  .sim-mode-btn { font-size: 13px; padding: 10px 12px; }
  .legal-card { padding: 32px 24px; }
}

/* ════════════════════════════════════════════
   KrediHub — Rediseño del header (nav)
   Reemplaza el nav antiguo. Usa prefijo .kh-
   ════════════════════════════════════════════ */

/* anula estilos del nav viejo por si quedaran nodos */
.kh-nav-wrap { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; }

/* ── TOP UTILITY BAR ── */
.kh-topbar {
  height: 38px; overflow: hidden;
  background: rgba(8,51,68,0.55);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  backdrop-filter: blur(12px);
  transition: height .4s cubic-bezier(.16,1,.3,1), opacity .3s, background .4s, border-color .4s;
}
.kh-topbar-inner { max-width: 1200px; margin: 0 auto; height: 38px; padding: 0 24px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.kh-topbar-left { display: flex; align-items: center; gap: 18px; min-width: 0; }
.kh-quote { display: inline-flex; align-items: center; gap: 7px; font-size: 12.5px; color: rgba(255,255,255,0.72); white-space: nowrap; font-variant-numeric: tabular-nums; }
.kh-quote .lbl { color: rgba(255,255,255,0.5); font-weight: 500; }
.kh-quote .val { color: #fff; font-weight: 700; font-family: var(--font-body); }
.kh-quote .chg { display: inline-flex; align-items: center; gap: 2px; font-weight: 700; font-size: 11.5px; }
.kh-quote .chg.up { color: #34D399; }
.kh-quote .chg.down { color: #FB7185; }
.kh-quote .dot { width: 7px; height: 7px; border-radius: 50%; background: #34D399; box-shadow: 0 0 0 0 rgba(52,211,153,.6); animation: khPulse 1.9s infinite; flex-shrink: 0; }
@keyframes khPulse { 0% { box-shadow: 0 0 0 0 rgba(52,211,153,.55); } 70% { box-shadow: 0 0 0 7px transparent; } 100% { box-shadow: 0 0 0 0 transparent; } }
.kh-topbar-sep { width: 1px; height: 16px; background: rgba(255,255,255,0.14); }
.kh-topbar-right { display: flex; align-items: center; gap: 18px; }
.kh-topbar-link { display: inline-flex; align-items: center; gap: 7px; font-size: 12.5px; font-weight: 600; color: rgba(255,255,255,0.78); text-decoration: none; transition: color .25s; white-space: nowrap; }
.kh-topbar-link:hover { color: #fff; }
.kh-topbar-link svg { opacity: .85; }

/* colapsa al hacer scroll */
.kh-nav-wrap.scrolled .kh-topbar { height: 0; opacity: 0; border-color: transparent; }

/* ── MAIN NAV ── */
.kh-nav { transition: background .4s cubic-bezier(.16,1,.3,1), box-shadow .4s, border-color .4s; border-bottom: 1px solid transparent; }
.kh-nav-wrap.scrolled .kh-nav { background: rgba(255,255,255,0.86); backdrop-filter: blur(22px) saturate(140%); box-shadow: 0 4px 24px rgba(8,51,68,0.10); border-bottom-color: rgba(8,51,68,0.06); }
.kh-nav-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; height: 72px; display: flex; align-items: center; gap: 16px; transition: height .35s; }
.kh-nav-wrap.scrolled .kh-nav-inner { height: 64px; }

/* logo */
.kh-logo { display: flex; align-items: center; gap: 11px; text-decoration: none; margin-right: 8px; }
.kh-logo-mark { width: 42px; height: 42px; border-radius: 12px; background: linear-gradient(140deg,#22D3EE,#0E7490); display: grid; place-items: center; position: relative; box-shadow: 0 6px 18px rgba(0,180,216,0.35); overflow: hidden; flex-shrink: 0; }
.kh-logo-mark::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg,rgba(255,255,255,.28),transparent 55%); }
.kh-logo-mark span { font-family: var(--font-display); font-weight: 700; font-size: 22px; color: #fff; position: relative; z-index: 1; line-height: 1; }
.kh-logo-text { font-weight: 700; font-size: 21px; letter-spacing: -0.6px; color: #fff; transition: color .4s; }
.kh-logo-text b { font-weight: 700; }
.kh-logo-text i { font-style: normal; color: var(--teal-300); transition: color .4s; }
.kh-nav-wrap.scrolled .kh-logo-text { color: var(--slate-900); }
.kh-nav-wrap.scrolled .kh-logo-text i { color: var(--teal-600); }

/* menu */
.kh-menu { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0 auto 0 18px; }
.kh-menu > li { position: relative; }
.kh-menu-link { display: inline-flex; align-items: center; gap: 6px; padding: 9px 14px; border-radius: 10px; font-size: 14.5px; font-weight: 600; color: rgba(255,255,255,0.82); text-decoration: none; cursor: pointer; background: none; border: none; font-family: var(--font-body); transition: color .25s, background .25s; white-space: nowrap; }
.kh-menu-link:hover { color: #fff; background: rgba(255,255,255,0.10); }
.kh-nav-wrap.scrolled .kh-menu-link { color: var(--slate-600); }
.kh-nav-wrap.scrolled .kh-menu-link:hover { color: var(--teal-700); background: var(--teal-50); }
.kh-menu-link .caret { transition: transform .3s; }
.kh-menu-item.open .kh-menu-link .caret { transform: rotate(180deg); }
.kh-menu-item.open > .kh-menu-link { color: #fff; background: rgba(255,255,255,0.12); }
.kh-nav-wrap.scrolled .kh-menu-item.open > .kh-menu-link { color: var(--teal-700); background: var(--teal-50); }

/* ── MEGA MENU ── */
.kh-mega { position: absolute; top: calc(100% + 14px); left: 50%; transform: translateX(-50%) translateY(8px); width: 620px; max-width: calc(100vw - 32px); background: rgba(255,255,255,0.98); border: 1px solid var(--slate-200); border-radius: 18px; box-shadow: 0 28px 64px rgba(8,51,68,0.22); padding: 16px; opacity: 0; visibility: hidden; transition: opacity .26s, transform .26s; z-index: 50; }
.kh-menu-item.open .kh-mega { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
/* Puente invisible sobre el hueco de 14px que hay entre el link y el panel.
   Sin él, bajar el mouse hacia el menú saca el puntero del .kh-menu-item, se
   dispara mouseleave y el panel se cierra antes de que llegues a tocar nada.
   Cuelga de .kh-mega, que está oculto mientras el menú está cerrado, así que
   no deja una zona muerta capturando clics sobre la página. */
.kh-mega::after { content: ''; position: absolute; left: 0; right: 0; top: -18px; height: 18px; }
.kh-mega::before { content: ''; position: absolute; top: -7px; left: 50%; transform: translateX(-50%) rotate(45deg); width: 14px; height: 14px; background: #fff; border-left: 1px solid var(--slate-200); border-top: 1px solid var(--slate-200); }
.kh-mega-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 6px; }
.kh-mega-item { display: flex; align-items: flex-start; gap: 13px; padding: 13px; border-radius: 13px; text-decoration: none; transition: background .2s, transform .2s; }
.kh-mega-item:hover { background: var(--slate-50); }
.kh-mega-ico { width: 42px; height: 42px; border-radius: 11px; display: grid; place-items: center; flex-shrink: 0; color: var(--teal-600); background: linear-gradient(145deg,#FFFFFF,#EAFBFF); border: 1px solid rgba(8,145,178,0.14); box-shadow: 0 2px 8px rgba(8,51,68,0.07), inset 0 1px 0 rgba(255,255,255,0.9); transition: transform .25s, box-shadow .25s; }
.kh-mega-item:hover .kh-mega-ico { transform: translateY(-2px) scale(1.04); box-shadow: 0 6px 16px rgba(8,51,68,0.12), inset 0 1px 0 rgba(255,255,255,0.9); }
/* tonalidad unificada (perlado) para todos los íconos */
.kh-mega-ico.c1, .kh-mega-ico.c2, .kh-mega-ico.c3,
.kh-mega-ico.c4, .kh-mega-ico.c5, .kh-mega-ico.c6 { background: linear-gradient(145deg,#FFFFFF,#EAFBFF); color: var(--teal-600); }
.kh-mega-txt strong { display: block; font-size: 14.5px; font-weight: 700; color: var(--slate-900); margin-bottom: 2px; }
.kh-mega-txt span { display: block; font-size: 12.5px; line-height: 1.4; color: var(--slate-500); }
.kh-mega--narrow { width: 380px; }
.kh-mega-grid--one { grid-template-columns: 1fr; }
.kh-mega-head { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; color: var(--slate-400); padding: 6px 13px 8px; }
.kh-mega-brand { display: inline-block !important; margin-top: 6px; font-size: 11px; font-weight: 700; color: var(--teal-700); background: var(--teal-50); border: 1px solid var(--teal-100); padding: 2px 9px; border-radius: 999px; }
.kh-menu-link--hot { color: var(--teal-300) !important; font-weight: 700; }
.kh-nav-wrap.scrolled .kh-menu-link--hot { color: var(--teal-600) !important; }
.kh-mega-foot { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 8px; padding: 14px 16px; border-radius: 13px; background: linear-gradient(120deg,var(--teal-950),var(--teal-800)); }
.kh-mega-foot p { font-size: 13px; color: rgba(255,255,255,0.9); margin: 0; }
.kh-mega-foot p b { color: #fff; }
.kh-mega-foot a { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 700; color: var(--teal-950); background: var(--gold-400); padding: 9px 16px; border-radius: 9px; text-decoration: none; white-space: nowrap; transition: transform .2s, box-shadow .2s; }
.kh-mega-foot a:hover { transform: translateY(-1px); box-shadow: 0 6px 16px rgba(251,191,36,0.35); }

/* ── ACTIONS (right) ── */
.kh-actions { display: flex; align-items: center; gap: 12px; }
.kh-asesor { font-size: 14px; font-weight: 600; color: rgba(255,255,255,0.8); text-decoration: none; white-space: nowrap; transition: color .25s; }
.kh-asesor:hover { color: #fff; }
.kh-nav-wrap.scrolled .kh-asesor { color: var(--slate-600); }
.kh-nav-wrap.scrolled .kh-asesor:hover { color: var(--teal-700); }

/* login */
.kh-login-wrap { position: relative; }
.kh-login-btn { display: inline-flex; align-items: center; gap: 8px; padding: 9px 15px; border-radius: 11px; background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.18); color: rgba(255,255,255,0.92); font-size: 13.5px; font-weight: 600; font-family: var(--font-body); cursor: pointer; transition: all .25s; }
.kh-login-btn:hover { background: rgba(255,255,255,0.2); color: #fff; }
.kh-nav-wrap.scrolled .kh-login-btn { background: var(--slate-100); border-color: var(--slate-200); color: var(--slate-700); }
.kh-nav-wrap.scrolled .kh-login-btn:hover { background: var(--slate-200); }
.kh-login-dd { display: none; position: absolute; top: calc(100% + 12px); right: 0; min-width: 248px; background: #fff; border: 1px solid var(--slate-200); border-radius: 15px; box-shadow: 0 24px 56px rgba(8,51,68,0.2); padding: 8px; }
.kh-login-dd.show { display: block; animation: khFade .2s ease-out; }
@keyframes khFade { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: translateY(0); } }
.kh-login-opt { display: flex; align-items: center; gap: 12px; padding: 12px 13px; border-radius: 11px; text-decoration: none; transition: background .2s; }
.kh-login-opt:hover { background: var(--slate-50); }
.kh-login-opt + .kh-login-opt { margin-top: 2px; }
.kh-login-opt-ico { width: 40px; height: 40px; border-radius: 11px; display: grid; place-items: center; flex-shrink: 0; color: #fff; }
.kh-login-opt-ico.cliente { background: linear-gradient(140deg,var(--teal-400),var(--teal-700)); }
.kh-login-opt-ico.asesor { background: linear-gradient(140deg,var(--gold-400),var(--gold-500)); }
.kh-login-opt-text { display: flex; flex-direction: column; min-width: 0; line-height: 1.25; }
.kh-login-opt-text strong { display: block; font-size: 14px; font-weight: 700; color: var(--slate-900); }
.kh-login-opt-text span { display: block; font-size: 12px; color: var(--slate-500); margin-top: 2px; }

/* CTA */
.kh-cta { display: inline-flex; align-items: center; gap: 8px; padding: 11px 22px; border-radius: 11px; background: linear-gradient(135deg,var(--teal-400),var(--teal-600)); color: #fff; font-size: 14px; font-weight: 700; text-decoration: none; white-space: nowrap; box-shadow: 0 6px 18px rgba(0,180,216,0.35); transition: transform .2s, box-shadow .2s; position: relative; overflow: hidden; }
.kh-cta::after { content: ''; position: absolute; top: 0; left: -120%; width: 60%; height: 100%; background: linear-gradient(90deg,transparent,rgba(255,255,255,0.4),transparent); transform: skewX(-20deg); transition: left .6s; }
.kh-cta:hover { transform: translateY(-2px); box-shadow: 0 10px 26px rgba(0,180,216,0.45); }
.kh-cta:hover::after { left: 130%; }

/* hamburger */
.kh-burger { display: none; width: 44px; height: 44px; border-radius: 11px; background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.18); cursor: pointer; flex-direction: column; align-items: center; justify-content: center; gap: 5px; margin-left: auto; }
.kh-burger span { display: block; width: 20px; height: 2px; background: #fff; border-radius: 2px; transition: transform .3s, opacity .3s; }
.kh-nav-wrap.scrolled .kh-burger { background: var(--slate-100); border-color: var(--slate-200); }
.kh-nav-wrap.scrolled .kh-burger span { background: var(--slate-700); }
.kh-burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.kh-burger.open span:nth-child(2) { opacity: 0; }
.kh-burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── MOBILE PANEL ── */
.kh-mobile { position: fixed; top: 0; right: 0; bottom: 0; width: min(360px,86vw); background: linear-gradient(170deg,var(--slate-900),var(--teal-950)); box-shadow: -20px 0 60px rgba(0,0,0,0.4); transform: translateX(100%); transition: transform .4s cubic-bezier(.16,1,.3,1); z-index: 1100; padding: 26px 22px; overflow-y: auto; display: flex; flex-direction: column; gap: 8px; }
.kh-mobile.open { transform: translateX(0); }
.kh-mobile-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 14px; }
.kh-mobile-close { width: 40px; height: 40px; border-radius: 10px; background: rgba(255,255,255,0.1); border: none; color: #fff; font-size: 22px; cursor: pointer; line-height: 1; }
.kh-mobile-quote { display: flex; align-items: center; gap: 8px; padding: 12px 14px; border-radius: 12px; background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); margin-bottom: 8px; font-size: 13px; color: rgba(255,255,255,0.8); font-variant-numeric: tabular-nums; }
.kh-mobile a.m-link { display: block; padding: 14px 14px; border-radius: 11px; color: rgba(255,255,255,0.88); text-decoration: none; font-size: 16px; font-weight: 600; transition: background .2s; }
.kh-mobile a.m-link:hover { background: rgba(255,255,255,0.08); }
.kh-mobile .m-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; color: rgba(255,255,255,0.4); padding: 12px 14px 4px; }
.kh-mobile .m-cta { margin-top: 14px; text-align: center; padding: 15px; border-radius: 12px; background: linear-gradient(135deg,var(--teal-400),var(--teal-600)); color: #fff; font-weight: 700; font-size: 16px; text-decoration: none; }
.kh-overlay { position: fixed; inset: 0; background: rgba(8,20,30,0.55); backdrop-filter: blur(3px); opacity: 0; visibility: hidden; transition: opacity .3s; z-index: 1050; }
.kh-overlay.open { opacity: 1; visibility: visible; }

/* responsive */
@media (max-width: 980px) {
  .kh-menu, .kh-asesor, .kh-login-wrap, .kh-cta { display: none; }
  .kh-burger { display: flex; }
  .kh-nav-inner { gap: 10px; }
}
@media (max-width: 600px) {
  .kh-topbar-link.kh-hide-sm { display: none; }
  .kh-quote.kh-hide-sm,
  .kh-topbar-sep.kh-hide-sm { display: none !important; }
  .kh-topbar-inner { padding: 0 12px; gap: 10px; }
  .kh-topbar-left { gap: 10px; flex: 1; min-width: 0; }
  .kh-topbar-right { flex-shrink: 0; }
  .kh-topbar-link { gap: 5px; font-size: 12px; }
  .kh-nav-inner { padding: 0 16px; }
}
@media (max-width: 380px) {
  .kh-topbar-link .kh-wa-text { display: none; }
  .kh-topbar-link svg { width: 18px; height: 18px; opacity: 1; }
}

/* ════════════════════════════════════════════
   KrediHub — Hero interactivo (globos flotantes)
   3 modos de movimiento controlados por data-motion:
   tilt | magnetic | spotlight   (+ orbes con parallax)
   Todo el movimiento lo calcula hero.js (rAF).
   ════════════════════════════════════════════ */

/* el contenedor da perspectiva 3D y captura el puntero */
.hero-right { perspective: 1400px; perspective-origin: 50% 40%; }

/* desactiva el float CSS antiguo: ahora lo maneja JS */
.hero-right[data-motion] .hero-card { animation: none !important; }
.hero-right[data-motion] .hero-card {
  will-change: transform;
  transform-style: preserve-3d;
  transition: box-shadow .35s ease, border-color .35s ease;
}

/* glow/realce al activar una tarjeta */
.hero-right[data-motion] .hero-card.kh-lift {
  border-color: rgba(125,211,252,0.45);
  box-shadow: 0 30px 70px rgba(0,0,0,0.45), 0 0 0 1px rgba(125,211,252,0.25), 0 0 40px rgba(56,189,248,0.25);
}

/* brillo/glare que sigue el cursor (modo tilt y spotlight) */
.kh-glare {
  position: absolute; inset: 0; border-radius: inherit; pointer-events: none;
  opacity: 0; transition: opacity .3s; mix-blend-mode: screen;
  background: radial-gradient(180px circle at var(--gx,50%) var(--gy,0%), rgba(255,255,255,0.35), transparent 60%);
}
.hero-right[data-motion="tilt"] .hero-card:hover .kh-glare,
.hero-right[data-motion="spotlight"] .kh-glare { opacity: 1; }

/* ── ORBES decorativos (globos de luz) ── */
.kh-orb { position: absolute; border-radius: 50%; pointer-events: none; will-change: transform; filter: blur(2px); z-index: 0; }
.kh-orb.o1 { width: 120px; height: 120px; top: 8%; left: 6%;  background: radial-gradient(circle at 35% 30%, rgba(125,211,252,0.55), rgba(3,105,161,0.15) 60%, transparent 72%); }
.kh-orb.o2 { width: 80px;  height: 80px;  top: 62%; left: 14%; background: radial-gradient(circle at 35% 30%, rgba(251,191,36,0.45), rgba(245,158,11,0.12) 60%, transparent 72%); }
.kh-orb.o3 { width: 160px; height: 160px; top: 40%; right: 4%; background: radial-gradient(circle at 35% 30%, rgba(45,212,191,0.40), rgba(13,148,136,0.12) 60%, transparent 72%); }
.kh-orb.o4 { width: 54px;  height: 54px;  top: 14%; right: 30%; background: radial-gradient(circle at 35% 30%, rgba(255,255,255,0.5), rgba(167,139,250,0.15) 60%, transparent 72%); }
.kh-orb::after { content: ''; position: absolute; inset: 0; border-radius: 50%; box-shadow: inset 0 0 24px rgba(255,255,255,0.25); }

/* el cristal de la tarjeta un poco más vivo */
.hero-right[data-motion] .hero-card { position: absolute; z-index: 2; }

/* ── SPOTLIGHT global del hero-right ── */
.kh-spotlight {
  position: absolute; inset: -10%; pointer-events: none; z-index: 1; opacity: 0; transition: opacity .4s;
  background: radial-gradient(420px circle at var(--sx,50%) var(--sy,50%), rgba(56,189,248,0.16), transparent 60%);
}
.hero-right[data-motion="spotlight"] .kh-spotlight { opacity: 1; }

/* respeto a usuarios con movimiento reducido */
@media (prefers-reduced-motion: reduce) {
  .hero-right[data-motion] .hero-card { transform: none !important; }
  .kh-orb { display: none; }
}

/* ════ EXTRAS ════ */

/* canvas de estela de partículas */
.kh-trail { position: absolute; inset: 0; z-index: 1; pointer-events: none; opacity: 0; transition: opacity .4s; }
.hero-right[data-trail="on"] .kh-trail { opacity: 1; }

/* revelar dato extra al pasar el mouse */
.kh-reveal {
  max-height: 0; opacity: 0; overflow: hidden; margin-top: 0;
  border-top: 1px solid rgba(125,211,252,0); 
  transition: max-height .4s cubic-bezier(.16,1,.3,1), opacity .35s, margin-top .4s, padding-top .4s, border-color .4s;
  display: flex; align-items: center; gap: 8px;
  font-size: 12.5px; font-weight: 500; color: var(--teal-300);
}
.kh-reveal svg { flex-shrink: 0; }
.hero-right[data-reveal="on"] .hero-card:hover .kh-reveal {
  max-height: 60px; opacity: 1; margin-top: 14px; padding-top: 14px;
  border-top-color: rgba(125,211,252,0.18);
}

/* click para destacar (focus) */
.hero-right[data-focused] .hero-card:not(.kh-focus) { opacity: 0.45; filter: saturate(0.8); }
.hero-right .hero-card.kh-focus {
  z-index: 9 !important;
  border-color: rgba(125,211,252,0.55);
  box-shadow: 0 40px 90px rgba(0,0,0,0.5), 0 0 0 1px rgba(125,211,252,0.35), 0 0 60px rgba(56,189,248,0.3);
}
.hero-right[data-clickfocus="on"] .hero-card { cursor: pointer; }

/* pulso "en vivo": destello cuando se mueve el mercado */
@keyframes khLivePulse {
  0% { box-shadow: 0 20px 50px rgba(0,0,0,0.4), 0 0 0 0 rgba(52,211,153,0.5); }
  60% { box-shadow: 0 20px 50px rgba(0,0,0,0.4), 0 0 0 14px rgba(52,211,153,0); }
  100% { box-shadow: 0 20px 50px rgba(0,0,0,0.4), 0 0 0 0 rgba(52,211,153,0); }
}
.hero-card.kh-live-flash { animation: khLivePulse 1.1s ease-out; }
.kh-live-badge {
  position: absolute; top: 14px; right: 14px; display: none; align-items: center; gap: 5px;
  font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em;
  color: #34D399; background: rgba(52,211,153,0.12); border: 1px solid rgba(52,211,153,0.3);
  padding: 3px 8px; border-radius: 999px;
}
.hero-right[data-live="on"] .hero-card-1 .kh-live-badge { display: inline-flex; }
.kh-live-badge .dot { width: 6px; height: 6px; border-radius: 50%; background: #34D399; animation: blink 1.6s infinite; }

/* ── Cotizador: panel de arriendo con opción de compra ───────────────
   Vive dentro de .simulator-card, que es BLANCA (la oscura es .sim-results),
   y reemplaza .simulator-top + .sim-results cuando la pestaña activa es
   arriendo_compra. Ver #arriendoCompraPanel en index.html. */
#arriendoCompraPanel { padding: 36px 40px; }
.dup-q-head h3 { color: var(--slate-900); font-size: 20px; font-weight: 700; margin-bottom: 8px; line-height: 1.3; }
.dup-q-head p { color: var(--slate-500); font-size: 14px; line-height: 1.65; margin-bottom: 22px; }
.dup-qs { display: grid; gap: 10px; }
.dup-q { display: flex; align-items: center; justify-content: space-between; gap: 16px;
  background: var(--slate-50); border: 1px solid var(--slate-200);
  border-radius: 12px; padding: 14px 16px; transition: border-color .2s; }
.dup-q:has(.on) { border-color: var(--teal-300); background: #F0FBFF; }
.dup-q > span:first-child { color: var(--slate-700); font-size: 14px; line-height: 1.45; }
.dup-q b { color: var(--teal-700); font-weight: 700; }
.dup-yn { display: flex; gap: 6px; flex: none; }
.dup-yn button { border: 1.5px solid var(--slate-200); background: var(--white); color: var(--slate-500);
  border-radius: 9px; padding: 8px 18px; font-size: 13px; font-weight: 600; cursor: pointer;
  font-family: inherit; transition: all .2s; }
.dup-yn button:hover { border-color: var(--teal-400); color: var(--teal-700); }
.dup-yn button.on { background: #0EA5E9; border-color: #0EA5E9; color: var(--white); }
.dup-amount { margin-top: 22px; }
.dup-amount .sim-label { display: block; margin-bottom: 8px; }
.dup-amount input { width: 100%; padding: 13px 15px; border-radius: 11px; border: 1.5px solid var(--slate-200);
  background: var(--white); color: var(--slate-900); font-size: 16px; font-weight: 600; font-family: inherit; outline: none; }
.dup-amount input:focus { border-color: #0EA5E9; }
.dup-amount-hint { color: var(--slate-400); font-size: 12px; margin-top: 7px; }
.dup-verdict { margin-top: 22px; }
.dup-card { background: var(--slate-50); border: 1px solid var(--slate-200); border-radius: 14px; padding: 22px; }
.dup-card.fit { border-color: var(--teal-300); background: linear-gradient(160deg,#F0FBFF,#FFFFFF); }
.dup-card h4 { color: var(--slate-900); font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.dup-card p { color: var(--slate-600); font-size: 13.5px; line-height: 1.7; }
.dup-nums { display: flex; flex-wrap: wrap; gap: 26px; margin: 18px 0 14px; }
.dup-num small { display: block; color: var(--slate-400); font-size: 11px; letter-spacing: .07em;
  text-transform: uppercase; font-weight: 600; margin-bottom: 3px; }
.dup-num strong { color: var(--teal-950); font-size: 22px; font-weight: 700; }
.dup-num.eq strong { color: #EA580C; }
.dup-acts { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.dup-acts a { display: inline-flex; align-items: center; gap: 7px; padding: 12px 20px; border-radius: 10px;
  font-size: 13.5px; font-weight: 600; text-decoration: none; }
.dup-acts .go { background: linear-gradient(135deg,#0EA5E9,#0369A1); color: #fff; }
.dup-acts .wa { background: #25D366; color: #fff; }
.dup-acts .alt { background: var(--white); color: var(--slate-600); border: 1.5px solid var(--slate-200); }
.dup-fine { color: var(--slate-400); font-size: 11.5px; line-height: 1.55; margin-top: 14px; }
@media (max-width: 560px) {
  #arriendoCompraPanel { padding: 24px 18px; }
  .dup-q { flex-direction: column; align-items: flex-start; gap: 11px; }
  .dup-yn { width: 100%; } .dup-yn button { flex: 1; }
  .dup-acts a { flex: 1; justify-content: center; }
  .dup-nums { gap: 18px; }
}