/* ───────── Tokens ───────── */
:root{
  --naranja:#EA5B0C; --naranja-2:#EF7D29; --naranja-hover:#D14F07;
  --noche:#011C26; --noche-2:#0A2B37; --gris:#F2F2F2; --linea:#E1E5E7;
  --texto:#011C26; --texto-2:#4A5961; --blanco:#FFFFFF;
  --display:"Satoshi","Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --r-s:12px; --r-m:20px; --r-l:28px;
  --ancho:1240px; --gutter:clamp(20px,4vw,40px);
  --sec:clamp(72px,9vw,128px);
  box-sizing:border-box;
}
*,*::before,*::after{box-sizing:inherit;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:96px;-webkit-text-size-adjust:100%}
body{font-family:var(--body);font-size:17px;line-height:1.6;color:var(--texto);background:var(--blanco);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{display:block;max-width:100%;height:auto}
a{color:inherit}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
:focus-visible{outline:3px solid var(--naranja);outline-offset:3px;border-radius:6px}
.wrap{width:100%;max-width:var(--ancho);margin:0 auto;padding:0 var(--gutter)}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

h1,h2,h3,.display{font-family:var(--display);color:var(--texto);letter-spacing:-.022em}
h2{font-size:clamp(2rem,3.6vw,3.1rem);line-height:1.08;font-weight:700;max-width:18ch}
h3{font-size:1.35rem;line-height:1.25;font-weight:700;letter-spacing:-.01em}
.lead{font-size:clamp(1.05rem,1.3vw,1.2rem);color:var(--texto-2);max-width:56ch;margin-top:18px}

/* Botones */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 28px;border-radius:999px;font-family:var(--display);font-weight:700;font-size:1rem;text-decoration:none;transition:background-color .2s,color .2s,border-color .2s;white-space:nowrap}
.btn-pri{background:var(--naranja);color:#fff}
.btn-pri:hover{background:var(--naranja-hover)}
.btn-sec{border:1.5px solid currentColor}
.btn-sec:hover{background:rgba(255,255,255,.12)}
.btn-osc{background:var(--noche);color:#fff}
.btn-osc:hover{background:var(--noche-2)}
.enlace{font-family:var(--display);font-weight:700;color:var(--naranja);text-decoration:none;border-bottom:1.5px solid transparent;transition:border-color .2s}
.enlace:hover{border-color:currentColor}

/* ───────── Cabecera ───────── */
.topbar{background:var(--gris);font-size:.86rem;color:var(--texto-2)}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:40px;gap:16px}
.seg{display:flex;gap:4px}
.seg button{padding:6px 12px;border-radius:999px;font-weight:500;color:var(--texto-2)}
.seg button[aria-pressed="true"]{background:#fff;color:var(--texto);box-shadow:0 1px 0 var(--linea)}
.topbar a{text-decoration:none;font-weight:500}
.topbar a:hover{color:var(--naranja)}
.topbar-der{display:flex;gap:22px}

header.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);padding-top:env(safe-area-inset-top,0px);transition:box-shadow .25s}
header.nav.sombra{box-shadow:0 1px 0 var(--linea),0 8px 24px rgba(1,28,38,.06)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:24px}
.marca{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--noche)}
.marca svg{width:40px;height:40px;flex:none}
.marca-txt{font-family:var(--display);font-size:1.18rem;letter-spacing:.06em;line-height:1}
.marca-txt b{font-weight:900}
.marca-txt span{font-weight:400}
.menu{display:flex;gap:34px;list-style:none}
.menu a{text-decoration:none;font-family:var(--display);font-weight:500;font-size:1rem;position:relative;padding:6px 0}
.menu a::after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--naranja);transform:scaleX(0);transform-origin:left;transition:transform .25s}
.menu a:hover::after{transform:scaleX(1)}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-cta .btn{min-height:46px;padding:0 22px}
.hamb{display:none;width:46px;height:46px;border-radius:50%;align-items:center;justify-content:center}
.hamb span,.hamb span::before,.hamb span::after{display:block;width:22px;height:2px;background:var(--noche);border-radius:2px;position:relative;transition:transform .25s,opacity .25s}
.hamb span::before,.hamb span::after{content:"";position:absolute;left:0}
.hamb span::before{top:-7px}.hamb span::after{top:7px}
.hamb[aria-expanded="true"] span{background:transparent}
.hamb[aria-expanded="true"] span::before{transform:translateY(7px) rotate(45deg)}
.hamb[aria-expanded="true"] span::after{transform:translateY(-7px) rotate(-45deg)}
.menu-movil{display:none}

/* ───────── Hero dinámico ───────── */
.hero{padding:16px var(--gutter) 0}
.hero-caja{position:relative;max-width:1440px;margin:0 auto;height:clamp(560px,78vh,760px);border-radius:var(--r-l);overflow:hidden;background:var(--noche);isolation:isolate}
.slide{position:absolute;inset:0;opacity:0;visibility:hidden;transition:opacity .9s ease,visibility 0s linear .9s}
.slide.activa{opacity:1;visibility:visible;transition:opacity .9s ease}
.slide picture,.slide img{position:absolute;inset:0;width:100%;height:100%}
.slide img{object-fit:cover;object-position:var(--pos,60% 50%);transform:scale(1.01);will-change:transform}
.slide.activa img{animation:kb 9s ease-out forwards}
@keyframes kb{from{transform:scale(1.01)}to{transform:scale(1.09)}}
.slide::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(1,28,38,.9) 0%,rgba(1,28,38,.72) 32%,rgba(1,28,38,.18) 62%,rgba(1,28,38,0) 80%),linear-gradient(0deg,rgba(1,28,38,.55) 0%,rgba(1,28,38,0) 32%)}
.slide-txt{position:absolute;z-index:2;left:clamp(24px,5vw,72px);top:50%;transform:translateY(-56%);max-width:640px;color:#fff}
.slide-txt .tag{display:inline-block;font-family:var(--display);font-weight:500;font-size:.95rem;color:var(--naranja-2);margin-bottom:18px}
.slide-txt h1,.slide-txt .h1{margin:0;max-width:none;font-family:var(--display);color:#fff;font-weight:700;font-size:clamp(2.4rem,4.4vw,3.9rem);line-height:1.04;letter-spacing:-.03em}
.slide-txt p{font-size:clamp(1.02rem,1.3vw,1.18rem);color:rgba(255,255,255,.86);margin-top:20px;max-width:46ch}
.slide-btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.slide-btns .btn-sec{color:#fff}
.slide.activa .slide-txt>*{animation:sube .8s cubic-bezier(.2,.7,.2,1) both}
.slide.activa .slide-txt>*:nth-child(2){animation-delay:.08s}
.slide.activa .slide-txt>*:nth-child(3){animation-delay:.16s}
.slide.activa .slide-txt>*:nth-child(4){animation-delay:.24s}
@keyframes sube{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}

.hero-ctrl{position:absolute;z-index:3;left:clamp(24px,5vw,72px);right:clamp(24px,5vw,72px);bottom:28px;display:flex;align-items:flex-end;gap:14px}
.pestanas{display:flex;flex:1;gap:14px;max-width:640px}
.pestana{flex:1;text-align:left;color:rgba(255,255,255,.66);font-family:var(--display);font-weight:500;font-size:.95rem;padding-top:14px;position:relative;transition:color .2s}
.pestana::before,.pestana i{content:"";position:absolute;left:0;top:0;height:3px;border-radius:3px}
.pestana::before{right:0;background:rgba(255,255,255,.28)}
.pestana i{width:0;background:var(--naranja)}
.pestana[aria-selected="true"]{color:#fff}
.pestana:hover{color:#fff}
.pausa{width:44px;height:44px;flex:none;border-radius:50%;border:1.5px solid rgba(255,255,255,.5);color:#fff;display:flex;align-items:center;justify-content:center;transition:background-color .2s}
.pausa:hover{background:rgba(255,255,255,.14)}
.pausa svg{width:14px;height:14px}

/* Franja de confianza */
.confianza{padding:40px 0 0}
.confianza ul{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--linea);border-bottom:1px solid var(--linea)}
.confianza li{padding:24px 24px 24px 0;display:flex;gap:14px;align-items:center}
.confianza li+li{padding-left:24px;border-left:1px solid var(--linea)}
.confianza svg{width:28px;height:28px;flex:none;color:var(--naranja)}
.confianza b{display:block;font-family:var(--display);font-size:1.08rem;line-height:1.2}
.confianza span{font-size:.92rem;color:var(--texto-2)}

/* Secciones */
section.sec{padding:var(--sec) 0}
.sec-cab{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;margin-bottom:clamp(40px,5vw,64px)}
.sec-cab .lead{margin-top:14px}
.gris{background:var(--gris)}

/* Segmentos */
.segmentos{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.segmento{display:flex;flex-direction:column}
.segmento figure{border-radius:var(--r-m);overflow:hidden;aspect-ratio:4/5;background:var(--gris)}
.segmento figure img{width:100%;height:100%;object-fit:cover;transition:transform .8s cubic-bezier(.2,.7,.2,1)}
.segmento:hover figure img{transform:scale(1.035)}
.segmento h3{margin-top:26px}
.segmento>p{color:var(--texto-2);margin-top:10px}
.segmento ul{list-style:none;margin:18px 0 22px;display:grid;gap:8px}
.segmento li{display:flex;gap:10px;align-items:baseline;font-size:.97rem}
.segmento li::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--naranja);flex:none;transform:translateY(-2px)}
.segmento .enlace{margin-top:auto;align-self:flex-start}

/* Proceso */
.pasos{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:p}
.paso{padding:0 28px 0 0;position:relative}
.paso::before{counter-increment:p;content:counter(p);display:flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:50%;background:#fff;border:1.5px solid var(--naranja);color:var(--naranja);font-family:var(--display);font-weight:700;font-size:1.1rem;position:relative;z-index:1}
.paso::after{content:"";position:absolute;top:24px;left:48px;right:0;height:1.5px;background:var(--linea)}
.paso:last-child::after{display:none}
.paso h3{margin-top:24px;font-size:1.2rem}
.paso p{margin-top:8px;color:var(--texto-2);font-size:.98rem}

/* Ahorro */
.ahorro{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(40px,6vw,96px);align-items:center}
.factura{background:#fff;border:1px solid var(--linea);border-radius:var(--r-l);padding:clamp(28px,3.5vw,44px);box-shadow:0 30px 60px -30px rgba(1,28,38,.25)}
.factura-top{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;padding-bottom:22px;border-bottom:1px solid var(--linea)}
.factura-top small{display:block;color:var(--texto-2);font-size:.9rem}
.cifra{white-space:nowrap;font-family:var(--display);font-weight:900;font-size:clamp(3rem,6vw,4.6rem);line-height:1;letter-spacing:-.04em;color:var(--naranja);margin-top:6px}
.cifra sub{font-size:.34em;font-weight:700;letter-spacing:0;vertical-align:baseline;color:var(--texto);margin-left:6px}
.chip{background:var(--gris);border-radius:999px;padding:6px 12px;font-size:.82rem;font-weight:600;white-space:nowrap}
.filas{list-style:none;margin-top:10px}
.filas li{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid var(--linea);font-size:.98rem}
.filas li:last-child{border-bottom:0}
.filas b{font-family:var(--display);font-weight:700;white-space:nowrap}
.filas .baja{color:#127A4A}
.tachado{color:var(--texto-2);text-decoration:line-through;font-weight:500;margin-right:8px}
.caso{margin-top:32px;padding:22px 24px;border-radius:var(--r-m);background:var(--gris);display:flex;gap:16px;align-items:flex-start}
.caso svg{width:26px;height:26px;flex:none;color:var(--naranja);margin-top:2px}
.caso p{font-size:.98rem;color:var(--texto-2)}
.caso strong{color:var(--texto)}

/* Banda sostenibilidad */
.banda{position:relative;max-width:1440px;margin:0 max(var(--gutter),calc((100% - 1440px)/2));border-radius:var(--r-l);overflow:hidden;min-height:clamp(440px,52vw,600px);display:flex;align-items:center;color:#fff;isolation:isolate}
.banda img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.banda::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(1,28,38,.86) 0%,rgba(1,28,38,.5) 45%,rgba(1,28,38,0) 75%)}
.banda h2{color:#fff}
.banda p{color:rgba(255,255,255,.85);max-width:50ch;margin-top:18px;font-size:1.1rem}

/* Opiniones */
.nota{display:flex;align-items:center;gap:14px;margin-top:16px}
.estrellas{display:flex;gap:2px;color:var(--naranja)}
.estrellas svg{width:20px;height:20px}
.nota>span:last-child{color:var(--texto-2)}
.carrusel-ctrl{display:flex;gap:10px}
.flecha{width:52px;height:52px;border-radius:50%;border:1.5px solid var(--linea);display:flex;align-items:center;justify-content:center;transition:border-color .2s,background-color .2s}
.flecha:hover{border-color:var(--noche)}
.flecha:disabled{opacity:.35;cursor:default;border-color:var(--linea)}
.flecha svg{width:18px;height:18px}
.resenas{display:grid;grid-auto-flow:column;grid-auto-columns:calc((100% - 56px)/3);gap:28px;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;padding-bottom:4px}
.resenas::-webkit-scrollbar{display:none}
.resena{scroll-snap-align:start;background:#fff;border:1px solid var(--linea);border-radius:var(--r-m);padding:30px;display:flex;flex-direction:column;gap:18px}
.resena blockquote{font-size:1.02rem;line-height:1.6}
.resena footer{margin-top:auto;display:flex;align-items:center;gap:12px}
.avatar{width:44px;height:44px;border-radius:50%;background:var(--noche);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--display);font-weight:700;font-size:.9rem;flex:none}
.resena cite{font-style:normal;font-weight:600;display:block;line-height:1.3}
.resena footer small{display:block;font-size:.86rem;color:var(--texto-2)}
.ver-google{margin-top:36px}

/* Asesor */
.asesor{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(40px,6vw,96px);align-items:center}
.asesor figure{border-radius:var(--r-l);overflow:hidden;aspect-ratio:4/5}
.asesor figure img{width:100%;height:100%;object-fit:cover}
.ventajas{list-style:none;margin-top:36px;display:grid;gap:26px}
.ventajas li{display:grid;grid-template-columns:48px 1fr;gap:18px;align-items:start}
.ventajas .ico{width:48px;height:48px;border-radius:14px;background:#FDEEE6;color:var(--naranja);display:flex;align-items:center;justify-content:center}
.ventajas .ico svg{width:24px;height:24px}
.ventajas h3{font-size:1.12rem}
.ventajas p{color:var(--texto-2);font-size:.98rem;margin-top:4px}
.financiacion{margin-top:34px;padding-top:24px;border-top:1px solid var(--linea);font-size:.98rem;color:var(--texto-2)}
.financiacion b{color:var(--texto)}

/* FAQ */
.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(40px,6vw,96px)}
.faq details{border-bottom:1px solid var(--linea)}
.faq details:first-child{border-top:1px solid var(--linea)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:24px 0;font-family:var(--display);font-weight:700;font-size:1.12rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";width:12px;height:12px;flex:none;border-right:2px solid var(--naranja);border-bottom:2px solid var(--naranja);transform:rotate(45deg) translateY(-3px);transition:transform .25s}
.faq details[open] summary::after{transform:rotate(-135deg) translateY(-3px)}
.faq details p{padding:0 0 24px;color:var(--texto-2);max-width:62ch}

/* Contacto */
.contacto{background:var(--noche);color:#fff}
.contacto-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,6vw,96px);align-items:start}
.contacto h2{color:#fff}
.contacto .lead{color:rgba(255,255,255,.78)}
.checks{list-style:none;margin-top:32px;display:grid;gap:14px}
.checks li{display:flex;gap:12px;align-items:center;color:rgba(255,255,255,.9)}
.checks svg{width:22px;height:22px;flex:none;color:var(--naranja-2)}
.directo{margin-top:40px;padding-top:32px;border-top:1px solid rgba(255,255,255,.14);display:flex;flex-wrap:wrap;gap:12px}
.directo .btn-sec{color:#fff}
.btn-wa{background:#25D366;color:#063B20}
.btn-wa:hover{background:#1fbd5a}
.btn-wa svg,.btn-tel svg{width:20px;height:20px}

.form-card{background:#fff;color:var(--texto);border-radius:var(--r-l);padding:clamp(28px,3.5vw,44px)}
.form-card h3{font-size:1.5rem}
.form-card>p{color:var(--texto-2);font-size:.95rem;margin-top:6px}
.campos{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:26px}
.campo{display:flex;flex-direction:column;gap:6px}
.campo.ancho{grid-column:1/-1}
.campo label{font-size:.88rem;font-weight:600}
.campo input,.campo select,.campo textarea{width:100%;font:inherit;font-size:1rem;color:var(--texto);background:#fff;border:1.5px solid var(--linea);border-radius:var(--r-s);padding:13px 14px;transition:border-color .2s,box-shadow .2s;-webkit-appearance:none;appearance:none}
.campo select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23011C26' stroke-width='1.8' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
.campo textarea{min-height:96px;resize:vertical}
.campo input:focus,.campo select:focus,.campo textarea:focus{outline:none;border-color:var(--naranja);box-shadow:0 0 0 4px rgba(234,91,12,.14)}
.ay-legal{margin-top:22px;font-size:.8rem;line-height:1.6;color:var(--texto-2)}
.ay-legal p{padding:14px 16px;background:var(--gris);border-radius:var(--r-s)}
.ay-legal a{color:var(--naranja);font-weight:600;text-decoration:none}
.ay-legal a:hover{text-decoration:underline}
.ay-check{display:flex;gap:10px;align-items:flex-start;margin-top:14px;font-size:.9rem;line-height:1.5;color:var(--texto);cursor:pointer}
.ay-check input{margin:2px 0 0;width:18px;height:18px;accent-color:var(--naranja);flex:none;cursor:pointer}
.ay-check.req span::after{content:" *";color:var(--naranja);font-weight:700}
.ay-check.invalid input{outline:2px solid #B3261E;outline-offset:2px}
.ay-err{display:none;color:#B3261E;font-size:.84rem;font-weight:600;margin:6px 0 0 28px}
.ay-err.show{display:block}
#btn-enviar{width:100%;margin-top:24px;min-height:56px;font-size:1.05rem}
#btn-enviar:disabled{opacity:.7;cursor:progress}
.form-ok{display:none;text-align:center;padding:40px 8px}
.form-ok svg{width:56px;height:56px;color:#127A4A;margin:0 auto 16px}
.form-ok p{color:var(--texto-2);margin-top:8px}
.form-error{display:none;margin-top:14px;padding:12px 14px;border-radius:var(--r-s);background:#FDECEA;color:#8A1C12;font-size:.92rem}

/* Pie */
footer.pie{background:#00131A;color:rgba(255,255,255,.72);padding:72px 0 calc(28px + env(safe-area-inset-bottom,0px));font-size:.95rem}
.pie-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.pie .marca{color:#fff}
.pie .lema{margin-top:18px;max-width:34ch}
.pie h4{font-family:var(--display);color:#fff;font-size:1rem;font-weight:700;margin-bottom:16px}
.pie ul{list-style:none;display:grid;gap:10px}
.pie a{text-decoration:none;transition:color .2s}
.pie a:hover{color:#fff}
.pie-bajo{margin-top:56px;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px 32px;font-size:.86rem}
.pie-legal{display:flex;flex-wrap:wrap;gap:8px 22px}

/* WhatsApp flotante */
.wa-flot{opacity:0;visibility:hidden;translate:0 16px;transition:opacity .3s,translate .3s,visibility 0s .3s,transform .2s;position:fixed;right:max(20px,env(safe-area-inset-right,0px));bottom:calc(20px + env(safe-area-inset-bottom,0px));z-index:60;width:60px;height:60px;border-radius:50%;background:#25D366;color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 12px 28px rgba(1,28,38,.28);transition:transform .2s}
.wa-flot.ver{opacity:1;visibility:visible;translate:0 0;transition:opacity .3s,translate .3s,transform .2s}
.wa-flot:hover{transform:scale(1.06)}
.wa-flot svg{width:30px;height:30px}

/* ───────── Responsive ───────── */
@media (max-width:1080px){
  .menu{gap:24px}
  .segmentos{gap:20px}
  .pasos{grid-template-columns:repeat(2,1fr);row-gap:44px}
  .paso:nth-child(2)::after{display:none}
  .resenas{grid-auto-columns:calc((100% - 28px)/2)}
  .pie-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .menu,.nav-cta .btn{display:none}
  .hamb{display:flex}
  .menu-movil{display:block;position:fixed;inset:0;top:0;z-index:49;background:#fff;padding:calc(120px + env(safe-area-inset-top,0px)) var(--gutter) 40px;transform:translateY(-100%);transition:transform .35s cubic-bezier(.2,.7,.2,1);visibility:hidden}
  .menu-movil.abierto{transform:none;visibility:visible}
  .menu-movil a{display:block;font-family:var(--display);font-weight:700;font-size:1.7rem;text-decoration:none;padding:12px 0;border-bottom:1px solid var(--linea)}
  .menu-movil .btn{margin-top:28px;width:100%;font-size:1.05rem;border:0}
  .topbar-der a:not(:last-child){display:none}
  .confianza ul{grid-template-columns:1fr 1fr}
  .confianza li:nth-child(3){padding-left:0;border-left:0}
  .confianza li:nth-child(n+3){border-top:1px solid var(--linea)}
  .segmentos{grid-template-columns:1fr;gap:48px}
  .segmento figure{aspect-ratio:4/3}
  .ahorro,.asesor,.faq,.contacto-grid{grid-template-columns:1fr}
  .asesor figure{aspect-ratio:4/3;order:2}
  .sec-cab{flex-direction:column;align-items:flex-start}
}
@media (max-width:640px){
  body{font-size:16px}
  .topbar .seg{display:none}
  .topbar .wrap{justify-content:center}
  .nav .wrap{min-height:66px}
  .marca svg{width:34px;height:34px}
  .marca-txt{font-size:1.02rem}
  .hero{padding:10px 10px 0}
  .hero-caja{height:auto;min-height:calc(100svh - 150px);max-height:760px;border-radius:var(--r-m)}
  .slide::after{background:linear-gradient(0deg,rgba(1,28,38,.95) 0%,rgba(1,28,38,.82) 42%,rgba(1,28,38,.25) 70%,rgba(1,28,38,0) 88%)}
  .slide img{object-position:var(--pos-m,65% 50%)}
  .slide-txt{top:auto;bottom:108px;transform:none;left:20px;right:20px}
  .slide-txt p{margin-top:14px}
  .slide-btns{margin-top:22px}
  .slide-btns .btn{flex:1 1 100%}
  .slide-btns .btn-sec{display:none}
  .hero-ctrl{left:20px;right:20px;bottom:22px}
  .pestana{font-size:.85rem}
  .confianza li,.confianza li+li{padding:18px 12px 18px 0}
  .confianza li:nth-child(even){padding-left:14px}
  .confianza svg{display:none}
  .pasos{grid-template-columns:1fr}
  .paso{padding:0 0 0 72px;min-height:48px}
  .paso::before{position:absolute;left:0;top:0}
  .paso::after{display:block!important;left:23px;top:48px;bottom:-44px;right:auto;width:1.5px;height:auto}
  .paso:last-child::after{display:none!important}
  .paso h3{margin-top:10px}
  .resenas{grid-auto-columns:86%;gap:14px;margin:0 calc(var(--gutter)*-1);padding:0 var(--gutter) 4px;scroll-padding:0 var(--gutter)}
  .carrusel-ctrl{display:none}
  .banda{margin:0 10px;border-radius:var(--r-m);align-items:flex-end;padding-bottom:40px}
  .banda::before{background:linear-gradient(0deg,rgba(1,28,38,.92) 0%,rgba(1,28,38,.55) 55%,rgba(1,28,38,.1) 100%)}
  .campos{grid-template-columns:1fr}
  .directo .btn{flex:1 1 100%}
  .pie-grid{grid-template-columns:1fr}
  .factura-top{flex-direction:column}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
  .slide.activa img{animation:none}
}

/* ───────── Guías ───────── */
.migas{padding:28px 0 0;font-size:.9rem;color:var(--texto-2)}
.migas ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.migas li+li::before{content:"/";margin-right:6px;color:var(--linea)}
.migas a{text-decoration:none}
.migas a:hover{color:var(--naranja)}
.g-hero{padding:28px 0 clamp(40px,5vw,64px);display:grid;grid-template-columns:1.25fr .75fr;gap:clamp(32px,5vw,72px);align-items:center}
.g-hero.sin-img{grid-template-columns:1fr}
.g-cat{display:inline-block;font-family:var(--display);font-weight:500;color:var(--naranja);margin-bottom:14px}
.g-hero h1{font-size:clamp(2.1rem,4.2vw,3.4rem);line-height:1.06;font-weight:700;letter-spacing:-.028em;max-width:20ch}
.g-hero .lead{font-size:clamp(1.08rem,1.4vw,1.25rem);max-width:52ch}
.g-meta{margin-top:22px;font-size:.9rem;color:var(--texto-2)}
.g-hero figure{border-radius:var(--r-l);overflow:hidden;aspect-ratio:4/5;max-height:520px;justify-self:end;width:100%;background:var(--gris)}
.g-hero figure img{width:100%;height:100%;object-fit:cover}
.g-cuerpo{display:grid;grid-template-columns:240px minmax(0,720px);gap:clamp(40px,6vw,96px);padding-bottom:var(--sec);border-top:1px solid var(--linea);padding-top:clamp(40px,5vw,64px)}
.indice{position:sticky;top:104px;align-self:start;font-size:.93rem}
.indice h2{font-size:.95rem;font-weight:700;margin-bottom:12px;max-width:none}
.indice ol{list-style:none;display:grid;gap:2px;border-left:1.5px solid var(--linea)}
.indice a{display:block;padding:6px 0 6px 14px;margin-left:-1.5px;border-left:1.5px solid transparent;text-decoration:none;color:var(--texto-2);line-height:1.35;transition:color .2s,border-color .2s}
.indice a:hover{color:var(--texto)}
.indice a.activo{color:var(--naranja);border-left-color:var(--naranja);font-weight:500}
.art{font-size:1.06rem;line-height:1.72;min-width:0}
.art h2{font-size:clamp(1.5rem,2.3vw,1.9rem);line-height:1.18;max-width:none;margin:56px 0 16px;scroll-margin-top:104px}
.art h2:first-of-type{margin-top:48px}
.art h3{font-size:1.1rem;margin-bottom:6px}
.art p{margin:0 0 16px;max-width:68ch}
.art a{color:var(--naranja);font-weight:500;text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}
.art a:hover{text-decoration-thickness:2px}
.art strong{font-weight:600}
.resumen{background:var(--gris);border-radius:var(--r-m);padding:26px 28px}
.resumen h2{margin:0 0 14px!important;font-size:1.1rem;font-family:var(--display)}
.resumen ul{list-style:none;display:grid;gap:10px}
.resumen li{display:grid;grid-template-columns:22px 1fr;gap:10px;line-height:1.55}
.resumen li svg{width:20px;height:20px;color:var(--naranja);margin-top:4px}
.lista{margin:0 0 18px 0;padding-left:0;list-style:none;display:grid;gap:10px}
.lista li{position:relative;padding-left:22px}
.lista li::before{content:"";position:absolute;left:2px;top:.72em;width:7px;height:7px;border-radius:50%;background:var(--naranja)}
.lista.check li{padding-left:30px}
.lista.check li::before{width:18px;height:18px;left:0;top:.3em;border-radius:50%;background:#FDEEE6 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M19 7 9.5 16.5 5 12' fill='none' stroke='%23EA5B0C' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat}
.pasos-g{list-style:none;counter-reset:pg;display:grid;gap:14px;margin:0 0 18px}
.pasos-g li{counter-increment:pg;position:relative;padding-left:46px;min-height:32px}
.pasos-g li::before{content:counter(pg);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;border:1.5px solid var(--naranja);color:var(--naranja);font-family:var(--display);font-weight:700;font-size:.95rem;display:flex;align-items:center;justify-content:center}
.tabla-scroll{overflow-x:auto;margin:6px 0 22px;border:1px solid var(--linea);border-radius:var(--r-s)}
.tabla{width:100%;border-collapse:collapse;font-size:.96rem;line-height:1.45}
.tabla th,.tabla td{padding:13px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--linea)}
.tabla thead th{background:var(--gris);font-family:var(--display);font-weight:700;font-size:.9rem;white-space:nowrap}
.tabla tbody tr:last-child td{border-bottom:0}
.tabla .num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
.tabla tr.total td{font-weight:700;font-family:var(--display);background:#FFF7F2}
.punto{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:8px;vertical-align:1px}
.punto.p,.franjas .p{background:var(--naranja)}
.punto.l,.franjas .l{background:#F6B98F}
.punto.v,.franjas .v{background:var(--noche)}
.franjas{margin:8px 0 24px}
.franjas-barra{display:flex;height:48px;border-radius:10px;overflow:hidden;font-family:var(--display);font-weight:700;font-size:.82rem}
.franjas-barra span{display:flex;align-items:center;justify-content:center;color:#fff;min-width:0;overflow:hidden}
.franjas-barra .l{color:var(--noche)}
.franjas-horas{position:relative;height:18px;font-size:.8rem;color:var(--texto-2);margin-top:6px}
.franjas-horas span{position:absolute;top:0;transform:translateX(-50%);white-space:nowrap}
.franjas-horas span:first-child{transform:none}
.franjas-horas span:last-child{transform:translateX(-100%)}
.franjas figcaption{font-size:.88rem;color:var(--texto-2);margin-top:8px}
.mitos{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:6px 0 22px}
.mitos>div{border:1px solid var(--linea);border-radius:var(--r-m);padding:20px 22px}
.mitos h3{font-size:1.02rem;margin-bottom:6px}
.mitos p{margin:0;font-size:.97rem;color:var(--texto-2)}
.caso-g{border-left:3px solid var(--naranja);background:var(--gris);border-radius:0 var(--r-m) var(--r-m) 0;padding:22px 24px;margin:6px 0 22px}
.caso-g p{margin:0}
.cta-mid{margin:40px 0;padding:28px;border-radius:var(--r-m);background:var(--noche);color:#fff;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px 28px}
.cta-mid p{margin:0;color:rgba(255,255,255,.85);max-width:40ch}
.cta-mid b{display:block;color:#fff;font-family:var(--display);font-size:1.15rem;margin-bottom:4px}
.cta-mid .btn{text-decoration:none;color:#fff}
.art .cta-mid a.btn{color:#fff;text-decoration:none;font-weight:700}
.faq-g details{border-bottom:1px solid var(--linea)}
.faq-g details:first-of-type{border-top:1px solid var(--linea)}
.faq-g summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:20px 0;font-family:var(--display);font-weight:700;font-size:1.05rem;line-height:1.35}
.faq-g summary::-webkit-details-marker{display:none}
.faq-g summary::after{content:"";width:11px;height:11px;flex:none;border-right:2px solid var(--naranja);border-bottom:2px solid var(--naranja);transform:rotate(45deg) translateY(-3px);transition:transform .25s}
.faq-g details[open] summary::after{transform:rotate(-135deg) translateY(-3px)}
.faq-g details p{padding:0 0 20px;color:var(--texto-2)}
.act{margin-top:40px;font-size:.9rem;color:var(--texto-2);border-top:1px solid var(--linea);padding-top:20px}
.relacionadas{padding:var(--sec) 0;background:var(--gris)}
.tarjetas{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tarjeta{display:flex;flex-direction:column;background:#fff;border:1px solid var(--linea);border-radius:var(--r-m);padding:26px 26px 24px;text-decoration:none;transition:border-color .2s,transform .2s}
.tarjeta:hover{border-color:var(--naranja)}
.tarjeta small{font-family:var(--display);font-weight:500;color:var(--naranja);font-size:.88rem}
.tarjeta h3{margin-top:10px;font-size:1.2rem;line-height:1.3}
.tarjeta p{margin-top:10px;color:var(--texto-2);font-size:.96rem;line-height:1.55}
.tarjeta span.leer{margin-top:auto;padding-top:18px;font-family:var(--display);font-weight:700;color:var(--naranja);font-size:.95rem}
.cta-final{background:var(--noche);color:#fff;padding:clamp(64px,8vw,104px) 0}
.cta-final .wrap{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:28px 48px}
.cta-final h2{color:#fff;max-width:20ch}
.cta-final p{color:rgba(255,255,255,.8);margin-top:14px;max-width:48ch;font-size:1.08rem}
.cta-final .botones{display:flex;flex-wrap:wrap;gap:12px}
.cta-final .btn-sec{color:#fff}
/* Índice de guías */
.gi-hero{padding:28px 0 clamp(40px,5vw,56px)}
.gi-hero h1{font-size:clamp(2.3rem,4.6vw,3.6rem);line-height:1.05;font-weight:700;letter-spacing:-.03em;max-width:18ch}
.gi-grupo{padding:0 0 clamp(56px,7vw,88px)}
.gi-grupo>h2{font-size:1.35rem;margin-bottom:22px;padding-top:32px;border-top:1px solid var(--linea);max-width:none}
.gi-grupo .tarjetas.dos{grid-template-columns:repeat(2,1fr)}
@media (max-width:1080px){
  .g-cuerpo{grid-template-columns:minmax(0,1fr)}
  .indice{position:static;border:1px solid var(--linea);border-radius:var(--r-m);padding:18px 20px}
  .indice ol{border-left:0}
  .indice a{padding-left:0;border-left:0}
}
@media (max-width:900px){
  .g-hero{grid-template-columns:1fr}
  .g-hero figure{aspect-ratio:16/10;max-height:none;justify-self:stretch;order:-1}
  .tarjetas,.gi-grupo .tarjetas.dos{grid-template-columns:1fr}
  .mitos{grid-template-columns:1fr}
  .cta-final .wrap{flex-direction:column;align-items:flex-start}
}
@media (max-width:640px){
  .art{font-size:1.02rem}
  .franjas-barra{font-size:.66rem;height:42px}
  .franjas-horas{font-size:.72rem}
  .franjas-barra .estrecho{font-size:0}
  .franjas-horas span:last-child{display:none}
  .cta-mid .btn,.cta-final .btn{flex:1 1 100%}
}