/* ============================================================
   Capital Hipotecario — estilos compartidos
   Paleta inspirada en BICE Hipotecaria: navy indigo + teal
   ============================================================ */
:root{
  --ink:#191c33;          /* navy indigo (BICE) */
  --ink-2:#272c4a;
  --ink-3:#3a4063;
  --teal:#16b8c6;         /* acento principal */
  --teal-600:#0f9aa8;
  --teal-700:#0c8290;
  --teal-soft:#e3f7f9;
  --teal-tint:#f0fbfc;
  --coral:#ff7a66;        /* acento cálido (uso muy puntual) */

  --bg:#ffffff;
  --bg-soft:#f5f7fb;
  --bg-soft-2:#eef2f8;
  --line:#e4e8f1;
  --line-2:#d6dce8;

  --text:#2b3146;
  --muted:#697089;
  --muted-2:#8a91a6;
  --white:#ffffff;

  --ok:#1aa179;
  --ok-soft:#e6f6f0;
  --warn:#e0892a;
  --warn-soft:#fdf2e3;

  --font-head:'Poppins',system-ui,sans-serif;
  --font-body:'Inter',system-ui,sans-serif;

  --maxw:1320px;
  --r-sm:10px; --r:16px; --r-lg:22px; --r-xl:30px;
  --sh-sm:0 2px 8px rgba(25,28,51,.06);
  --sh:0 10px 30px -12px rgba(25,28,51,.18);
  --sh-lg:0 30px 70px -34px rgba(25,28,51,.30);
  --sp:clamp(60px,8vw,108px);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-body);background:var(--bg);color:var(--text);
  line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;overflow-x:hidden;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
em{font-style:normal;color:var(--teal-600);font-weight:inherit}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--ink);line-height:1.12;letter-spacing:-.02em;font-weight:700}
h1{font-size:clamp(34px,5.4vw,58px);font-weight:800}
h2{font-size:clamp(28px,4vw,42px)}
h3{font-size:20px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-block;font-family:var(--font-head);font-size:12.5px;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;color:var(--teal-600);margin-bottom:16px}
.lead{color:var(--muted);font-size:clamp(16px,1.5vw,19px);max-width:620px}
.center{text-align:center;margin-inline:auto}
.section{padding:var(--sp) 0}
.bg-soft{background:var(--bg-soft)}
.sec-head{max-width:680px;margin-bottom:44px}
.sec-head.center{margin-inline:auto}
.sec-head h2{margin-bottom:14px}

/* ---------- Botones ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;justify-content:center;font-family:var(--font-head);
  font-weight:600;font-size:15.5px;padding:14px 26px;border-radius:999px;border:1.5px solid transparent;
  cursor:pointer;transition:.2s ease;white-space:nowrap}
.btn-primary{background:var(--teal);color:#04282c;box-shadow:0 10px 26px -10px rgba(22,184,198,.6)}
.btn-primary:hover{background:var(--teal-600);transform:translateY(-2px)}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{background:var(--ink-2);transform:translateY(-2px)}
.btn-ghost{background:#fff;border-color:var(--line-2);color:var(--ink)}
.btn-ghost:hover{border-color:var(--teal);color:var(--teal-700)}
.btn-wa{background:#25d366;color:#06231a}
.btn-wa:hover{transform:translateY(-2px);filter:brightness(1.04)}
.btn-lg{padding:16px 30px;font-size:16.5px}
.btn-block{width:100%}

/* ---------- Header ---------- */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:blur(12px);
  border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px;gap:20px}
.brand{display:flex;align-items:center;gap:11px}
.brand .logo{width:40px;height:40px;flex:none}
.brand b{font-family:var(--font-head);font-weight:800;font-size:18px;color:var(--ink);letter-spacing:-.02em;line-height:1.05}
.brand small{display:block;font-size:10px;font-weight:700;letter-spacing:.16em;color:var(--teal-600);text-transform:uppercase;margin-top:2px}
.nav-links{display:flex;gap:28px;align-items:center}
.nav-links a{font-size:15px;color:var(--ink-3);font-weight:500;transition:.15s;position:relative}
.nav-links a:hover,.nav-links a.active{color:var(--teal-700)}
.nav-links a.active::after{content:"";position:absolute;left:0;right:0;bottom:-26px;height:3px;background:var(--teal);border-radius:3px}
.nav-cta{display:flex;align-items:center;gap:12px}
.nav-phone{font-size:13.5px;color:var(--muted);font-weight:600;display:flex;align-items:center;gap:6px}
.burger{display:none;background:none;border:0;color:var(--ink);cursor:pointer;padding:6px}
.mobile-menu{display:none;flex-direction:column;padding:6px 24px 22px;background:#fff;border-bottom:1px solid var(--line)}
.mobile-menu a{padding:13px 4px;color:var(--ink-3);border-bottom:1px solid var(--line);font-weight:500}
.mobile-menu .btn{margin-top:16px}

/* ---------- Hero ---------- */
.hero{padding:clamp(48px,7vw,86px) 0}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:9px;font-family:var(--font-head);font-size:13px;font-weight:600;
  padding:8px 16px;border-radius:999px;background:var(--teal-soft);color:var(--teal-700);margin-bottom:24px}
.badge .dot{width:7px;height:7px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 4px rgba(22,184,198,.2)}
.hero h1{margin-bottom:20px;max-width:14ch}
.hero .lead{margin-bottom:30px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-trust{display:flex;flex-wrap:wrap;gap:8px 24px;margin-top:34px}
.hero-trust div{display:flex;align-items:center;gap:8px;font-size:14px;color:var(--muted);font-weight:500}
.hero-trust svg{color:var(--teal);flex:none}

/* tarjeta resultado en hero */
.hero-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);box-shadow:var(--sh-lg);
  padding:30px;position:relative;overflow:hidden}
.hero-card::before{content:"";position:absolute;top:0;left:0;right:0;height:6px;background:linear-gradient(90deg,var(--teal),var(--teal-600))}
.hero-card .hc-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.hero-card .hc-label{font-size:13px;color:var(--muted);font-weight:600}
.hero-card .hc-pill{font-size:11.5px;font-weight:700;color:var(--teal-700);background:var(--teal-soft);padding:4px 10px;border-radius:999px}
.hero-card .hc-big{font-family:var(--font-head);font-size:clamp(34px,5vw,46px);font-weight:800;color:var(--ink);line-height:1}
.hero-card .hc-uf{color:var(--muted);font-size:14px;font-weight:600;margin-top:4px}
.hero-card .hc-rows{margin:22px 0;border-top:1px solid var(--line);padding-top:18px;display:grid;gap:12px}
.hero-card .hc-row{display:flex;justify-content:space-between;font-size:14px}
.hero-card .hc-row span{color:var(--muted)}
.hero-card .hc-row b{color:var(--ink);font-weight:700}

/* ---------- Logos / strip ---------- */
.strip{display:flex;flex-wrap:wrap;justify-content:center;gap:14px 40px;align-items:center}
.strip .stat{text-align:center}
.strip .stat b{display:block;font-family:var(--font-head);font-size:clamp(28px,4vw,38px);color:var(--ink);font-weight:800;line-height:1}
.strip .stat span{font-size:14px;color:var(--muted)}

/* ---------- Cards genéricas ---------- */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px 26px;transition:.2s;box-shadow:var(--sh-sm)}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh);border-color:var(--teal)}
.card .ico{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;margin-bottom:18px;
  background:var(--teal-soft);color:var(--teal-700)}
.card h3{margin-bottom:10px}
.card p{font-size:14.5px;color:var(--muted)}
.card .more{display:inline-flex;align-items:center;gap:6px;margin-top:16px;font-family:var(--font-head);
  font-weight:600;font-size:14.5px;color:var(--teal-700)}

/* ---------- Pasos ---------- */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:20px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 24px;position:relative;box-shadow:var(--sh-sm)}
.step .num{font-family:var(--font-head);font-weight:800;font-size:15px;color:#fff;background:var(--teal);
  width:38px;height:38px;border-radius:11px;display:grid;place-items:center;margin-bottom:18px}
.step h3{font-size:18px;margin-bottom:8px}
.step p{font-size:14px;color:var(--muted)}

/* ---------- Simulador ---------- */
.sim-tabs{display:inline-flex;gap:4px;background:var(--bg-soft-2);padding:5px;border-radius:999px;margin-bottom:30px}
.sim-tabs button{font-family:var(--font-head);font-weight:600;font-size:14.5px;padding:10px 22px;border-radius:999px;
  border:0;background:transparent;color:var(--muted);cursor:pointer;transition:.18s}
.sim-tabs button.active{background:#fff;color:var(--ink);box-shadow:var(--sh-sm)}

.sim{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--line);border-radius:var(--r-xl);
  overflow:hidden;background:#fff;box-shadow:var(--sh)}
.sim-form{padding:clamp(26px,3.4vw,40px)}
.sim-out{padding:clamp(26px,3.4vw,40px);background:var(--ink);color:#fff;position:relative}
.sim-out::before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:linear-gradient(90deg,var(--teal),var(--teal-600))}

.field{margin-bottom:26px}
.field:last-child{margin-bottom:0}
.field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px;gap:10px}
.field label{font-family:var(--font-head);font-size:14.5px;font-weight:600;color:var(--ink)}
.field .hint{font-size:12.5px;color:var(--muted-2)}
.money-in{position:relative}
.money-in .cur{position:absolute;left:15px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700}
.money-in input{width:100%;font-family:var(--font-head);font-size:22px;font-weight:700;color:var(--ink);
  background:var(--bg-soft);border:1.5px solid var(--line-2);border-radius:var(--r-sm);padding:14px 16px 14px 32px;transition:.15s}
.money-in input:focus{outline:none;border-color:var(--teal);background:#fff;box-shadow:0 0 0 3px rgba(22,184,198,.15)}
.uf-eq{font-size:13px;color:var(--muted);margin-top:8px;font-weight:600}
.uf-eq b{color:var(--teal-700)}

input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;margin-top:14px;
  background:linear-gradient(90deg,var(--teal) var(--pct,30%),var(--bg-soft-2) var(--pct,30%));cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;
  background:#fff;border:5px solid var(--teal);box-shadow:var(--sh-sm);cursor:pointer}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:5px solid var(--teal);cursor:pointer}

.seg{display:flex;gap:8px;flex-wrap:wrap}
.seg button{flex:1;min-width:54px;padding:12px 8px;border-radius:var(--r-sm);cursor:pointer;background:var(--bg-soft);
  border:1.5px solid var(--line-2);color:var(--muted);font-family:var(--font-head);font-weight:600;font-size:15px;transition:.15s}
.seg button:hover{border-color:var(--teal)}
.seg button.active{background:var(--teal-soft);border-color:var(--teal);color:var(--teal-700)}
.seg button small{display:block;font-size:11px;font-weight:500;color:var(--muted-2);margin-top:2px}
.seg button.active small{color:var(--teal-600)}

.stepper{display:flex;align-items:center;gap:0;background:var(--bg-soft);border:1.5px solid var(--line-2);border-radius:var(--r-sm);overflow:hidden;width:fit-content}
.stepper button{width:48px;height:50px;border:0;background:transparent;font-size:22px;color:var(--teal-700);cursor:pointer;font-weight:700}
.stepper button:hover{background:var(--teal-soft)}
.stepper .val{font-family:var(--font-head);font-weight:800;font-size:22px;color:var(--ink);min-width:64px;text-align:center}
.stepper .val small{display:block;font-size:11px;font-weight:500;color:var(--muted);margin-top:-2px}

/* salida del simulador (oscura) */
.out-label{font-family:var(--font-head);font-size:13px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--teal);margin-bottom:8px}
.out-big{font-family:var(--font-head);font-size:clamp(38px,6vw,52px);font-weight:800;line-height:1;color:#fff}
.out-big .per{font-size:15px;font-weight:500;color:#9aa3c4;margin-left:6px;font-family:var(--font-body)}
.out-uf{color:#9aa3c4;font-size:14.5px;font-weight:600;margin-top:6px}
.out-table{margin:26px 0 0;border-top:1px solid rgba(255,255,255,.12);padding-top:18px;display:grid;gap:0}
.out-row{display:flex;justify-content:space-between;align-items:center;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:14.5px}
.out-row:last-child{border-bottom:0}
.out-row .k{color:#b9c0db}
.out-row .v{font-family:var(--font-head);font-weight:700;color:#fff}
.out-row .v small{color:#8c95b8;font-weight:500;font-size:12.5px;margin-left:5px}
.out-row.total .k{color:#fff;font-weight:600}
.out-row.total .v{color:var(--teal);font-size:18px}
.out-foot{font-size:12px;color:#7e87a8;line-height:1.5;margin-top:18px}
.out-foot .uf-stamp{color:#b9c0db;font-weight:600;display:block;margin-bottom:6px}
.out-cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}
.out-cta .btn{flex:1}

/* ---------- Guías ---------- */
.guides{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px}
.guide{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  overflow:hidden;transition:.2s;box-shadow:var(--sh-sm)}
.guide:hover{transform:translateY(-4px);box-shadow:var(--sh);border-color:var(--teal)}
.guide .ph{height:120px;background:linear-gradient(135deg,var(--ink),var(--ink-3));display:grid;place-items:center;color:var(--teal)}
.guide .gbody{padding:24px}
.guide .tag{font-family:var(--font-head);font-size:11.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-700);margin-bottom:12px}
.guide h3{font-size:18.5px;margin-bottom:9px}
.guide p{font-size:14.5px;color:var(--muted);flex:1}
.guide .meta{margin-top:16px;font-size:13px;color:var(--muted-2);display:flex;align-items:center;gap:8px}
.guide .meta .read{color:var(--teal-700);font-weight:700;margin-left:auto}

/* ---------- Artículo (guía individual) ---------- */
.article{max-width:760px;margin:0 auto}
.article .tag{font-family:var(--font-head);font-size:12.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-700)}
.article h1{margin:14px 0 12px;font-size:clamp(30px,4.4vw,44px)}
.article .amETA,.article .ameta{color:var(--muted);font-size:14px;margin-bottom:30px}
.article .body p{margin-bottom:18px;color:var(--text);font-size:17px}
.article .body h2{font-size:24px;margin:34px 0 12px}
.article .body h3{font-size:19px;margin:26px 0 10px}
.article .body ul,.article .body ol{margin:0 0 18px 22px;color:var(--text)}
.article .body li{margin-bottom:9px}
.article .body strong{color:var(--ink)}
.callout{background:var(--teal-tint);border:1px solid var(--teal-soft);border-left:4px solid var(--teal);
  border-radius:var(--r-sm);padding:18px 20px;margin:24px 0;font-size:15.5px;color:var(--ink-2)}

/* ---------- Listas con check ---------- */
.checklist{list-style:none;display:grid;gap:14px;margin:24px 0}
.checklist li{display:flex;gap:12px;font-size:15.5px;color:var(--text)}
.checklist svg{color:var(--teal);flex:none;margin-top:3px}
.checklist b{color:var(--ink);font-weight:700}

/* ---------- Split (agenda / contacto) ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(24px,3vw,34px);box-shadow:var(--sh-sm)}
.panel.dark{background:var(--ink);color:#fff;border:0}
.cal-embed{min-height:430px;border-radius:var(--r);overflow:hidden;border:1px solid var(--line)}
.cal-fallback{padding:42px 24px;text-align:center;color:var(--muted)}
.cal-fallback h3{margin-bottom:10px}
.cal-fallback p{font-size:14.5px;margin-bottom:22px;max-width:42ch;margin-inline:auto}

/* ---------- Formularios ---------- */
form .row{display:grid;gap:16px;margin-bottom:16px}
@media(min-width:540px){form .row.two{grid-template-columns:1fr 1fr}}
form label{display:block;font-family:var(--font-head);font-size:13.5px;font-weight:600;margin-bottom:7px;color:var(--ink)}
form input,form select,form textarea{width:100%;background:var(--bg-soft);border:1.5px solid var(--line-2);border-radius:var(--r-sm);
  padding:13px 14px;color:var(--text);font-size:15px;font-family:var(--font-body);transition:.15s}
form textarea{resize:vertical;min-height:110px}
form input:focus,form select:focus,form textarea:focus{outline:none;border-color:var(--teal);background:#fff;box-shadow:0 0 0 3px rgba(22,184,198,.15)}
form select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23697089' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center}
.form-foot{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:6px}
.form-msg{font-size:14px;display:none;padding:12px 16px;border-radius:var(--r-sm);margin-top:14px}
.form-msg.ok{display:block;background:var(--ok-soft);border:1px solid #b6e3d2;color:#0d7a57}
.form-msg.err{display:block;background:var(--warn-soft);border:1px solid #f1d3a6;color:#9a5a13}
.priv{font-size:12.5px;color:var(--muted-2)}

/* ---------- FAQ ---------- */
.faq{max-width:780px;margin:0 auto;display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:4px 22px;box-shadow:var(--sh-sm)}
.faq summary{font-family:var(--font-head);font-weight:600;color:var(--ink);padding:16px 0;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--teal-700);font-size:22px;font-weight:700}
.faq details[open] summary::after{content:"–"}
.faq p{padding:0 0 18px;color:var(--muted);font-size:15px}

/* ---------- CTA band ---------- */
.cta-band{background:var(--ink);border-radius:var(--r-xl);padding:clamp(40px,6vw,66px) clamp(28px,5vw,56px);
  text-align:center;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(600px 300px at 50% -20%,rgba(22,184,198,.25),transparent 60%)}
.cta-band *{position:relative}
.cta-band h2{color:#fff;margin-bottom:14px}
.cta-band p{color:#c2c8e0;max-width:52ch;margin:0 auto 28px;font-size:17px}
.cta-band .hero-actions{justify-content:center}

/* ---------- Footer ---------- */
footer{background:var(--ink);color:#c2c8e0;padding:62px 0 34px;margin-top:var(--sp)}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;margin-bottom:46px}
.foot-brand .brand b{color:#fff}
.foot-brand p{font-size:14.5px;margin:16px 0;max-width:34ch;color:#9aa3c4}
.foot-col h4{font-family:var(--font-head);font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:#7e87a8;margin-bottom:18px;font-weight:700}
.foot-col a{display:block;color:#c2c8e0;font-size:14.5px;margin-bottom:11px;transition:.15s}
.foot-col a:hover{color:var(--teal)}
.foot-bot{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:13px;color:#7e87a8}

/* ---------- WhatsApp flotante ---------- */
.wa-float{position:fixed;right:22px;bottom:22px;z-index:60;width:60px;height:60px;border-radius:50%;
  background:#25d366;display:grid;place-items:center;box-shadow:0 12px 30px -6px rgba(37,211,102,.5);transition:.2s;color:#fff}
.wa-float:hover{transform:scale(1.07)}

/* ---------- Reveal ---------- */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media(max-width:900px){
  .nav-links,.nav-phone{display:none}
  .burger{display:block}
  .hero-grid,.split{grid-template-columns:1fr;gap:38px}
  .sim{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr;gap:32px}
  .foot-brand{grid-column:1/-1}
}
@media(max-width:520px){
  body{font-size:16px}
  .foot-grid{grid-template-columns:1fr}
  .out-cta .btn,.hero-actions .btn{flex:1 1 100%}
}
@media(prefers-reduced-motion:reduce){
  *{scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none;transition:none}
}

/* ============================================================
   AÑADIDOS v2 — minimalismo, WhatsApp en header, chatbot "Capi"
   ============================================================ */

/* WhatsApp siempre visible en el header (también en móvil) */
.wa-head{display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border-radius:999px;
  background:#25d366;color:#06231a;font-family:var(--font-head);font-weight:600;font-size:14px;transition:.2s}
.wa-head:hover{filter:brightness(1.04);transform:translateY(-1px)}
.wa-head svg{flex:none}
@media(max-width:520px){ .wa-head span{display:none} .wa-head{padding:10px} }

/* En móvil mostramos WhatsApp del header; ocultamos solo links y teléfono */
@media(max-width:900px){
  .nav-cta .btn-primary{display:none}
}

/* Acentos un poco más sobrios (minimalismo) */
.card:hover{box-shadow:var(--sh-sm);transform:translateY(-3px)}
.guide:hover{box-shadow:var(--sh-sm)}

/* Bloque simple de valores (sin tarjetas pesadas) */
.values{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:32px}
.value{display:flex;flex-direction:column;gap:8px}
.value .vico{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:var(--teal-soft);color:var(--teal-700)}
.value h3{font-size:17px}
.value p{font-size:14.5px;color:var(--muted)}

/* Acordeón de aprendizaje (una sola página) */
.learn{max-width:820px;margin:0 auto;display:grid;gap:14px}
.learn details{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:6px 24px;box-shadow:var(--sh-sm)}
.learn summary{font-family:var(--font-head);font-weight:600;font-size:17px;color:var(--ink);padding:18px 0;cursor:pointer;
  list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.learn summary::-webkit-details-marker{display:none}
.learn summary .q{display:flex;align-items:center;gap:12px}
.learn summary .tagmini{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--teal-700);
  background:var(--teal-soft);padding:4px 9px;border-radius:999px;white-space:nowrap}
.learn summary::after{content:"+";color:var(--teal-700);font-size:24px;font-weight:700;line-height:1}
.learn details[open] summary::after{content:"–"}
.learn .ans{padding:0 0 20px;color:var(--text)}
.learn .ans p{margin-bottom:14px}
.learn .ans ul{margin:0 0 14px 20px}
.learn .ans li{margin-bottom:8px}
.learn .ans b{color:var(--ink)}

/* ---------- Chatbot "Capi" ---------- */
.capi-fab{position:fixed;right:22px;bottom:92px;z-index:60;display:inline-flex;align-items:center;gap:10px;
  padding:12px 18px 12px 14px;border-radius:999px;border:0;cursor:pointer;background:var(--ink);color:#fff;
  font-family:var(--font-head);font-weight:600;font-size:14.5px;box-shadow:var(--sh);transition:.2s}
.capi-fab:hover{transform:translateY(-2px)}
.capi-fab .av{width:30px;height:30px;border-radius:50%;background:var(--teal);display:grid;place-items:center;color:#04282c;flex:none}
.capi-fab .badge-n{position:absolute;top:-6px;right:-6px;background:var(--coral);color:#fff;font-size:11px;font-weight:700;
  width:20px;height:20px;border-radius:50%;display:grid;place-items:center}
.capi-fab.hidden{display:none}

.capi-panel{position:fixed;right:22px;bottom:22px;z-index:70;width:min(380px,calc(100vw - 36px));height:min(600px,calc(100vh - 44px));
  background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-lg);
  display:none;flex-direction:column;overflow:hidden}
.capi-panel.open{display:flex}
.capi-head{background:var(--ink);color:#fff;padding:16px 18px;display:flex;align-items:center;gap:12px}
.capi-head .av{width:40px;height:40px;border-radius:50%;background:var(--teal);display:grid;place-items:center;color:#04282c;flex:none}
.capi-head .who{flex:1;line-height:1.2}
.capi-head .who b{font-family:var(--font-head);font-size:15px}
.capi-head .who small{display:flex;align-items:center;gap:6px;color:#9aa3c4;font-size:12px;margin-top:2px}
.capi-head .who small::before{content:"";width:7px;height:7px;border-radius:50%;background:#34d399}
.capi-head .x{background:none;border:0;color:#9aa3c4;cursor:pointer;padding:4px;border-radius:8px}
.capi-head .x:hover{color:#fff;background:rgba(255,255,255,.1)}
.capi-body{flex:1;overflow-y:auto;padding:18px;background:var(--bg-soft);display:flex;flex-direction:column;gap:12px}
.capi-msg{max-width:85%;padding:11px 14px;border-radius:14px;font-size:14.5px;line-height:1.5;animation:capiIn .25s ease}
.capi-msg.bot{background:#fff;border:1px solid var(--line);color:var(--text);align-self:flex-start;border-bottom-left-radius:4px}
.capi-msg.user{background:var(--teal);color:#04282c;align-self:flex-end;border-bottom-right-radius:4px;font-weight:500}
.capi-msg b{color:var(--ink);font-weight:700}
.capi-msg.user b{color:#04282c}
.capi-msg a{color:var(--teal-700);font-weight:600;text-decoration:underline}
@keyframes capiIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.capi-chips{display:flex;flex-wrap:wrap;gap:8px;padding:0 18px 12px;background:var(--bg-soft)}
.capi-chip{font-family:var(--font-head);font-size:13px;font-weight:500;padding:8px 13px;border-radius:999px;cursor:pointer;
  background:#fff;border:1.5px solid var(--line-2);color:var(--ink);transition:.15s}
.capi-chip:hover{border-color:var(--teal);color:var(--teal-700)}
.capi-foot{border-top:1px solid var(--line);padding:12px;display:flex;gap:8px;background:#fff}
.capi-foot input{flex:1;border:1.5px solid var(--line-2);border-radius:999px;padding:11px 16px;font-size:14px;font-family:var(--font-body);color:var(--text)}
.capi-foot input:focus{outline:none;border-color:var(--teal)}
.capi-foot button{width:44px;height:44px;border-radius:50%;border:0;background:var(--teal);color:#04282c;cursor:pointer;display:grid;place-items:center;flex:none;transition:.15s}
.capi-foot button:hover{background:var(--teal-600)}
.capi-wa{padding:10px 18px;background:var(--ink);text-align:center}
.capi-wa a{color:#9aa3c4;font-size:12.5px;font-weight:500}
.capi-wa a:hover{color:var(--teal)}
@media(max-width:520px){ .capi-fab span{display:none} .capi-fab{padding:14px;bottom:88px} }

/* ============================================================
   AÑADIDOS v3 — hero pantalla completa (Santiago) + simulador inline
   ============================================================ */
.hero-banner{position:relative;overflow:hidden;display:flex;align-items:center;
  min-height:clamp(400px,56vh,560px);padding:clamp(40px,7vh,84px) 0;
  background:#dbe8f1 url('santiago.jpg') center 30%/cover no-repeat}
.santiago-svg{position:absolute;inset:0;width:100%;height:100%}
.hero-shade{position:absolute;inset:0;background:
  radial-gradient(1100px 620px at 50% 40%,rgba(255,255,255,.66),rgba(255,255,255,.34) 72%),
  linear-gradient(180deg,rgba(255,255,255,.42),rgba(255,255,255,.30))}
.hero-banner-inner{position:relative;z-index:1;width:100%}
.hero-copy{max-width:780px;margin:0 auto;text-align:center}
.hero-title{font-family:var(--font-head);font-weight:800;line-height:1.02;letter-spacing:-.02em;
  font-size:clamp(26px,3.1vw,40px);color:var(--ink);margin-bottom:14px}
.hero-title .ac{color:var(--coral)}
.hero-sub{font-size:clamp(15px,1.5vw,18px);color:var(--ink-2);max-width:52ch;margin:0 auto 26px;font-weight:500;line-height:1.55}
.hero-copy .hero-actions{gap:12px;justify-content:center}
.presim-section{background:var(--bg-soft);padding:clamp(40px,6vw,72px) 0}

/* simulador inline tipo "pre-aprobación" */
.presim{position:relative}
.presim-head{display:flex;justify-content:space-between;align-items:flex-end;gap:18px;margin-bottom:14px;flex-wrap:wrap}
.presim-head h2{font-size:clamp(20px,2.8vw,28px);margin-bottom:2px}
.presim-head p{color:var(--ink-2);font-size:14px;font-weight:500}
.presim-tabs{display:inline-flex;gap:4px;background:var(--ink);padding:5px;border-radius:999px;flex:none}
.presim-tabs button{font-family:var(--font-head);font-weight:600;font-size:13.5px;padding:9px 18px;border-radius:999px;
  border:0;background:transparent;color:#9aa3c4;cursor:pointer;transition:.15s}
.presim-tabs button.active{background:#fff;color:var(--ink)}
.presim-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-lg);padding:14px}
.presim-row{display:grid;grid-template-columns:1.25fr 1fr 1fr auto;gap:12px;align-items:stretch}
.presim-field{display:flex;flex-direction:column;justify-content:center;padding:8px 10px}
.presim-field label{font-size:12px;color:var(--muted);font-weight:600;margin-bottom:4px}
.presim-field .pin{position:relative}
.presim-field .pin .cur{position:absolute;left:0;top:50%;transform:translateY(-50%);color:var(--ink);font-weight:800;font-size:24px;font-family:var(--font-head)}
.presim-field .pin .suf{position:absolute;right:2px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700;font-size:15px}
.presim-field input{width:100%;border:0;border-bottom:2px solid var(--line-2);background:transparent;
  font-family:var(--font-head);font-weight:800;font-size:26px;color:var(--ink);padding:4px 0 4px 22px;transition:.15s}
.presim-field .pin.uf input{padding-left:0;padding-right:42px}
.presim-field input:focus{outline:none;border-color:var(--teal)}
.presim-out{border-radius:var(--r);padding:13px 16px;display:flex;flex-direction:column;justify-content:center;gap:3px;text-align:center}
.presim-out.green{background:#e9f7ef;border:1px solid #cdebd9}
.presim-out.blue{background:#e8f1fb;border:1px solid #d2e3f5}
.presim-out .po-k{font-size:12px;color:var(--muted);font-weight:600}
.presim-out .po-v{font-family:var(--font-head);font-weight:800;font-size:clamp(19px,2.3vw,26px);color:var(--ink);line-height:1.1}
.presim-out .po-v small{font-weight:600;font-size:13px;color:var(--muted)}
.presim-btn{align-self:center;white-space:nowrap;padding-inline:22px}
.presim-foot{margin-top:11px;font-size:12.5px;color:var(--ink-2);font-weight:500;display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.presim-foot .uf{font-weight:700;color:var(--teal-700)}
.presim-badges{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.presim-badge{display:flex;align-items:center;gap:8px;font-size:12.5px;color:var(--ink-2);font-weight:600}
.presim-badge svg{color:var(--teal)}

@media(max-width:960px){
  .hero-banner{min-height:auto;background-position:center 30%}
  .hero-shade{background:radial-gradient(900px 600px at 50% 42%,rgba(255,255,255,.62),rgba(255,255,255,.4) 75%),linear-gradient(180deg,rgba(255,255,255,.5),rgba(255,255,255,.4))}
  .presim-row{grid-template-columns:1fr 1fr}
  .presim-field{grid-column:1/-1}
  .presim-btn{grid-column:1/-1;align-self:stretch}
}
@media(max-width:560px){
  .presim-row{grid-template-columns:1fr}
  .hero-title{font-size:clamp(22px,6vw,30px)}
  .hero-shade{background:rgba(255,255,255,.9)}
  .hero-banner{background-position:center 28%;min-height:340px}
}

/* chips de Capi dentro del área con scroll */
.capi-chiprow{display:flex;flex-wrap:wrap;gap:8px;margin:4px 0 2px}

/* ============================================================
   v4 — equilibrio en pantallas muy grandes (27"+)
   El sitio se centra con un ancho máximo; el hero y las
   secciones a sangre completa quedan dentro de ese marco.
   ============================================================ */
html{background:var(--bg-soft)}
body{max-width:1920px;margin-inline:auto}
header{margin-inline:auto}