/* ==========================================================================
   ico-directo.es · Hoja de estilos
   Paleta extraída del informe "ICO CRECIMIENTO" de RCV Finance
   ========================================================================== */

:root{
  /* Azules del documento */
  --azul-900:#0d3247;
  --azul-800:#123f56;
  --azul-700:#14415a;
  --azul-600:#246a8e;
  --azul-500:#2e7fa8;
  --azul-400:#4782a1;
  --azul-300:#96b9cd;
  --azul-200:#c2d8e4;
  --azul-100:#d5e3eb;
  --azul-50:#eef4f8;

  --carbon:#20262b;
  --carbon-claro:#2c343b;

  --texto:#1d2b33;
  --texto-suave:#4d6474;
  --texto-tenue:#7b8f9d;

  --blanco:#ffffff;
  --linea:#dbe7ee;

  --verde:#1a7f4b;
  --verde-fondo:#e8f5ee;
  --ambar:#b06d00;
  --ambar-fondo:#fdf3e0;
  --rojo:#a32b2b;
  --rojo-fondo:#fbeceb;

  --radio:10px;
  --radio-lg:16px;
  --sombra:0 1px 3px rgba(18,63,86,.07),0 6px 20px rgba(18,63,86,.07);
  --sombra-lg:0 10px 40px rgba(18,63,86,.14);
  --ancho:1180px;
  --transicion:.22s cubic-bezier(.4,0,.2,1);
}

/* ── Base ───────────────────────────────────────────────────────────────── */
*,*::before,*::after{box-sizing:border-box}

html{scroll-behavior:smooth;scroll-padding-top:88px;-webkit-text-size-adjust:100%}

body{
  margin:0;
  font-family:'Segoe UI',-apple-system,BlinkMacSystemFont,Roboto,'Helvetica Neue',Arial,sans-serif;
  font-size:17px;
  line-height:1.7;
  color:var(--texto);
  background:var(--blanco);
  -webkit-font-smoothing:antialiased;
}

img{max-width:100%;height:auto;display:block}
a{color:var(--azul-600);text-decoration:none;transition:color var(--transicion)}
a:hover{color:var(--azul-800)}

h1,h2,h3,h4{margin:0 0 .5em;line-height:1.22;color:var(--azul-800);font-weight:700;letter-spacing:-.015em}
h1{font-size:clamp(2rem,5vw,3.35rem)}
h2{font-size:clamp(1.55rem,3.4vw,2.35rem)}
h3{font-size:clamp(1.12rem,2vw,1.35rem)}
p{margin:0 0 1.1em}
ul{margin:0 0 1.1em;padding-left:1.3em}
li{margin-bottom:.45em}

:focus-visible{outline:3px solid var(--azul-500);outline-offset:2px;border-radius:4px}

.oculto-visual{
  position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;
  overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0
}

.contenedor{width:100%;max-width:var(--ancho);margin:0 auto;padding:0 24px}

.seccion{padding:clamp(56px,8vw,104px) 0}
.seccion--claro{background:var(--azul-50)}
.seccion--azul{background:var(--azul-800);color:var(--azul-100)}
.seccion--azul h2,.seccion--azul h3{color:var(--blanco)}
.seccion--carbon{background:var(--carbon);color:#c8d3da}
.seccion--carbon h2,.seccion--carbon h3{color:var(--blanco)}

.cabecera-seccion{max-width:760px;margin:0 auto clamp(34px,5vw,58px);text-align:center}
.cabecera-seccion p{color:var(--texto-suave);font-size:1.06rem;margin:0}
.seccion--azul .cabecera-seccion p,
.seccion--carbon .cabecera-seccion p{color:var(--azul-200)}

.etiqueta{
  display:inline-block;font-size:.735rem;font-weight:700;letter-spacing:.16em;
  text-transform:uppercase;color:var(--azul-600);margin-bottom:14px
}
.seccion--azul .etiqueta,.seccion--carbon .etiqueta{color:var(--azul-300)}

/* ── Botones ────────────────────────────────────────────────────────────── */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:15px 30px;border-radius:var(--radio);border:2px solid transparent;
  font-size:1rem;font-weight:600;font-family:inherit;line-height:1.25;
  cursor:pointer;text-align:center;transition:all var(--transicion);
  text-decoration:none
}
.btn--primario{background:var(--azul-600);color:#fff;border-color:var(--azul-600)}
.btn--primario:hover{background:var(--azul-800);border-color:var(--azul-800);color:#fff;transform:translateY(-2px);box-shadow:var(--sombra-lg)}
.btn--secundario{background:transparent;color:var(--azul-800);border-color:var(--azul-300)}
.btn--secundario:hover{background:var(--azul-100);border-color:var(--azul-600);color:var(--azul-800)}
.btn--claro{background:var(--blanco);color:var(--azul-800);border-color:var(--blanco)}
.btn--claro:hover{background:var(--azul-100);border-color:var(--azul-100);color:var(--azul-800);transform:translateY(-2px)}
.btn--fantasma{background:transparent;color:var(--blanco);border-color:rgba(255,255,255,.45)}
.btn--fantasma:hover{background:rgba(255,255,255,.12);border-color:#fff;color:#fff}
.btn--bloque{width:100%}
.btn:disabled{opacity:.55;cursor:not-allowed;transform:none!important}

/* ── Aviso superior ─────────────────────────────────────────────────────── */
.avisobar{
  background:var(--carbon);color:#cfdae1;font-size:.875rem;
  padding:9px 0;text-align:center
}
.avisobar strong{color:var(--azul-300)}
.avisobar a{color:#fff;text-decoration:underline;text-underline-offset:3px;font-weight:600;margin-left:8px}

/* ── Cabecera ───────────────────────────────────────────────────────────── */
.cabecera{
  position:sticky;top:0;z-index:900;background:rgba(255,255,255,.96);
  backdrop-filter:saturate(180%) blur(12px);
  border-bottom:1px solid var(--linea);transition:box-shadow var(--transicion)
}
.cabecera.desplazada{box-shadow:0 2px 16px rgba(18,63,86,.10)}
.cabecera__fila{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:72px}

.logo{display:flex;align-items:center;gap:13px;text-decoration:none;flex-shrink:0}
.logo__marca{
  width:42px;height:42px;border-radius:9px;flex-shrink:0;
  background:linear-gradient(140deg,var(--azul-600),var(--azul-800));
  display:grid;place-items:center;color:#fff;font-weight:800;font-size:.82rem;letter-spacing:.02em
}
.logo__texto{line-height:1.15}
.logo__nombre{display:block;font-weight:800;color:var(--azul-800);font-size:1.09rem;letter-spacing:-.02em}
.logo__nombre span{color:var(--azul-500)}
.logo__sub{display:block;font-size:.665rem;letter-spacing:.13em;text-transform:uppercase;color:var(--texto-tenue);margin-top:2px}

.nav{display:flex;align-items:center;gap:28px}
.nav a{color:var(--texto-suave);font-size:.945rem;font-weight:500;white-space:nowrap}
.nav a:hover{color:var(--azul-600)}
.cabecera__acciones{display:flex;align-items:center;gap:14px;flex-shrink:0}
.tel-cabecera{display:flex;align-items:center;gap:7px;font-weight:600;color:var(--azul-800);white-space:nowrap}

.hamburguesa{
  display:none;width:44px;height:44px;border:1px solid var(--linea);background:#fff;
  border-radius:9px;cursor:pointer;padding:0;place-items:center
}
.hamburguesa span{display:block;width:20px;height:2px;background:var(--azul-800);position:relative;transition:all var(--transicion)}
.hamburguesa span::before,.hamburguesa span::after{
  content:'';position:absolute;left:0;width:20px;height:2px;background:var(--azul-800);transition:all var(--transicion)
}
.hamburguesa span::before{top:-6px}
.hamburguesa span::after{top:6px}
.hamburguesa[aria-expanded="true"] span{background:transparent}
.hamburguesa[aria-expanded="true"] span::before{top:0;transform:rotate(45deg)}
.hamburguesa[aria-expanded="true"] span::after{top:0;transform:rotate(-45deg)}

/* ── Hero ───────────────────────────────────────────────────────────────── */
.hero{
  position:relative;overflow:hidden;color:var(--blanco);
  background:linear-gradient(155deg,var(--azul-700) 0%,var(--azul-900) 55%,var(--carbon) 100%);
  padding:clamp(60px,9vw,110px) 0 clamp(50px,7vw,86px)
}
.hero::before{
  content:'';position:absolute;inset:0;opacity:.16;pointer-events:none;
  background-image:repeating-linear-gradient(90deg,transparent 0 46px,rgba(150,185,205,.5) 46px 47px)
}
.hero::after{
  content:'';position:absolute;top:-140px;right:-140px;width:520px;height:520px;border-radius:50%;
  background:radial-gradient(circle,rgba(150,185,205,.24),transparent 68%);pointer-events:none
}
.hero .contenedor{position:relative;z-index:1}
.hero__rejilla{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(36px,5vw,68px);align-items:center}

.hero__etiqueta{
  display:inline-flex;align-items:center;gap:9px;padding:7px 15px;border-radius:99px;
  background:rgba(150,185,205,.17);border:1px solid rgba(150,185,205,.35);
  font-size:.78rem;font-weight:600;letter-spacing:.05em;color:var(--azul-300);margin-bottom:22px
}
.hero__etiqueta::before{content:'';width:7px;height:7px;border-radius:50%;background:#5fd39a;box-shadow:0 0 0 3px rgba(95,211,154,.22)}

.hero h1{color:var(--blanco);margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--azul-300);display:block}
.hero__sub{font-size:clamp(1rem,1.6vw,1.13rem);color:#cddbe4;max-width:56ch;margin-bottom:30px}
.hero__botones{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:16px}
.hero__pie{font-size:.85rem;color:var(--azul-300);margin:0}

.hero__panel{
  background:rgba(255,255,255,.055);border:1px solid rgba(150,185,205,.26);
  border-radius:var(--radio-lg);padding:clamp(22px,3vw,32px);backdrop-filter:blur(6px)
}
.hero__kpi{padding:17px 0;border-bottom:1px solid rgba(150,185,205,.2)}
.hero__kpi:first-child{padding-top:0}
.hero__kpi:last-child{border-bottom:0;padding-bottom:0}
.hero__kpi-valor{font-size:clamp(1.7rem,3.4vw,2.15rem);font-weight:800;color:var(--blanco);line-height:1.1;letter-spacing:-.02em}
.hero__kpi-etq{font-size:.86rem;color:var(--azul-300);margin-top:3px}

/* ── Barra de confianza ─────────────────────────────────────────────────── */
.confianza{background:var(--azul-100);padding:34px 0}
.confianza__rejilla{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;text-align:center}
.confianza__valor{font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800;color:var(--azul-800);line-height:1.1}
.confianza__etq{font-size:.845rem;color:var(--azul-700);margin-top:5px;line-height:1.45}

/* ── Comparativa ────────────────────────────────────────────────────────── */
.comparativa{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:36px}
.comparativa__col{border-radius:var(--radio-lg);padding:clamp(24px,3vw,34px)}
.comparativa__col--negativo{background:var(--blanco);border:1px solid var(--linea)}
.comparativa__col--positivo{background:linear-gradient(150deg,var(--azul-600),var(--azul-800));color:#fff;box-shadow:var(--sombra-lg)}
.comparativa__col h3{font-size:1.1rem;margin-bottom:18px;padding-bottom:14px;border-bottom:1px solid var(--linea)}
.comparativa__col--positivo h3{color:#fff;border-bottom-color:rgba(255,255,255,.24)}
.comparativa__lista{list-style:none;margin:0;padding:0}
.comparativa__lista li{
  display:flex;gap:11px;align-items:flex-start;padding:9px 0;font-size:.965rem;line-height:1.55
}
.comparativa__lista li::before{
  content:'';flex-shrink:0;width:19px;height:19px;border-radius:50%;margin-top:2px;
  background-repeat:no-repeat;background-position:center;background-size:11px
}
.comparativa__col--negativo li::before{
  background-color:#f0d9d9;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2 2l8 8M10 2l-8 8' stroke='%23a32b2b' stroke-width='2.2' stroke-linecap='round'/%3E%3C/svg%3E")
}
.comparativa__col--positivo li::before{
  background-color:rgba(255,255,255,.2);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2 6.3l2.8 2.8L10 3' stroke='%23fff' stroke-width='2.2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")
}
.cierre-nota{
  margin-top:30px;padding:18px 22px;background:var(--azul-50);
  border-left:4px solid var(--azul-600);border-radius:0 var(--radio) var(--radio) 0;
  font-size:1rem;color:var(--texto-suave)
}
.cierre-nota p{margin:0}

/* ── Tablas ─────────────────────────────────────────────────────────────── */
.tabla-envoltorio{overflow-x:auto;border-radius:var(--radio-lg);border:1px solid var(--linea);background:#fff;box-shadow:var(--sombra)}
table.datos{width:100%;border-collapse:collapse;font-size:.95rem;min-width:560px}
table.datos caption{
  text-align:left;padding:18px 22px;font-weight:700;color:var(--azul-800);
  font-size:1.05rem;border-bottom:1px solid var(--linea);background:var(--azul-50)
}
table.datos th{
  text-align:left;padding:13px 20px;background:var(--azul-700);color:#fff;
  font-weight:600;font-size:.8rem;letter-spacing:.075em;text-transform:uppercase;white-space:nowrap
}
table.datos td{padding:14px 20px;border-bottom:1px solid var(--linea);vertical-align:top;line-height:1.6}
table.datos tbody tr:last-child td{border-bottom:0}
table.datos tbody tr:nth-child(even){background:#fafcfd}
table.datos tbody tr:hover{background:var(--azul-50)}
table.datos td.campo{font-weight:600;color:var(--azul-800);width:26%;min-width:170px}
table.datos td.destacado{font-weight:700;color:var(--azul-600);white-space:nowrap}
table.datos td.num{text-align:center;font-weight:700;color:var(--azul-600);width:52px}

/* ── Tarjetas de destino ────────────────────────────────────────────────── */
.tarjetas{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px}
.tarjeta{
  background:#fff;border:1px solid var(--linea);border-radius:var(--radio-lg);
  padding:30px 26px;position:relative;transition:all var(--transicion);
  display:flex;flex-direction:column
}
.tarjeta:hover{transform:translateY(-4px);box-shadow:var(--sombra-lg);border-color:var(--azul-300)}
.tarjeta--destacada{border:2px solid var(--azul-600);box-shadow:var(--sombra)}
.tarjeta--destacada::after{
  content:'El diferencial';position:absolute;top:-11px;left:26px;
  background:var(--azul-600);color:#fff;font-size:.69rem;font-weight:700;
  letter-spacing:.09em;text-transform:uppercase;padding:4px 12px;border-radius:99px
}
.tarjeta__cabecera{display:flex;align-items:center;gap:14px;margin-bottom:15px}
.tarjeta__icono{
  width:46px;height:46px;border-radius:11px;flex-shrink:0;display:grid;place-items:center;
  background:var(--azul-100);color:var(--azul-600)
}
.tarjeta__icono svg{width:23px;height:23px}
.tarjeta__pct{
  margin-left:auto;font-size:1.28rem;font-weight:800;color:var(--azul-600);
  line-height:1;white-space:nowrap
}
.tarjeta h3{font-size:1.13rem;margin-bottom:9px}
.tarjeta p{font-size:.945rem;color:var(--texto-suave);margin-bottom:12px}
.tarjeta__nota{
  margin-top:auto;padding-top:13px;border-top:1px dashed var(--linea);
  font-size:.875rem;color:var(--azul-600);font-weight:600;line-height:1.5
}

/* ── Listas de verificación ─────────────────────────────────────────────── */
.dos-columnas{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.panel{background:#fff;border:1px solid var(--linea);border-radius:var(--radio-lg);padding:clamp(24px,3vw,32px)}
.panel--verde{border-top:4px solid var(--verde)}
.panel--rojo{border-top:4px solid var(--rojo)}
.panel h3{font-size:1.1rem;margin-bottom:16px}
.lista-marcas{list-style:none;margin:0;padding:0}
.lista-marcas li{display:flex;gap:11px;align-items:flex-start;padding:9px 0;font-size:.955rem;line-height:1.55;color:var(--texto-suave)}
.lista-marcas li::before{content:'';flex-shrink:0;width:19px;height:19px;border-radius:50%;margin-top:2px;background-repeat:no-repeat;background-position:center;background-size:11px}
.panel--verde li::before{background-color:var(--verde-fondo);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2 6.3l2.8 2.8L10 3' stroke='%231a7f4b' stroke-width='2.2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.panel--rojo li::before{background-color:var(--rojo-fondo);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2 2l8 8M10 2l-8 8' stroke='%23a32b2b' stroke-width='2.2' stroke-linecap='round'/%3E%3C/svg%3E")}
.lista-simple{list-style:none;margin:0;padding:0}
.lista-simple li{padding:8px 0 8px 24px;position:relative;font-size:.94rem;line-height:1.6;color:var(--texto-suave)}
.lista-simple li::before{content:'';position:absolute;left:2px;top:16px;width:7px;height:7px;border-radius:50%;background:var(--azul-400)}
.seccion--azul .lista-simple li,.seccion--carbon .lista-simple li{color:var(--azul-200)}

/* ── Proceso ────────────────────────────────────────────────────────────── */
.proceso{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;counter-reset:paso}
.paso{position:relative;padding:28px 24px 24px;background:#fff;border:1px solid var(--linea);border-radius:var(--radio-lg);transition:all var(--transicion)}
.paso:hover{border-color:var(--azul-300);box-shadow:var(--sombra)}
.paso__n{
  display:inline-grid;place-items:center;width:42px;height:42px;border-radius:11px;
  background:var(--azul-800);color:#fff;font-weight:800;font-size:.95rem;margin-bottom:14px
}
.paso h3{font-size:1.05rem;margin-bottom:7px}
.paso p{font-size:.93rem;color:var(--texto-suave);margin:0}

/* ── Bloques ASG / DANA ─────────────────────────────────────────────────── */
.bloque-kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:18px;margin:32px 0}
.bloque-kpi{
  background:rgba(255,255,255,.07);border:1px solid rgba(150,185,205,.25);
  border-radius:var(--radio);padding:20px 18px;text-align:center
}
.bloque-kpi__valor{font-size:clamp(1.4rem,2.8vw,1.85rem);font-weight:800;color:#fff;line-height:1.15}
.bloque-kpi__etq{font-size:.815rem;color:var(--azul-300);margin-top:5px;line-height:1.4}
.destacado-cita{
  margin:26px 0 0;padding:22px 26px;background:rgba(255,255,255,.075);
  border-left:4px solid var(--azul-300);border-radius:0 var(--radio) var(--radio) 0;
  font-size:1.02rem;line-height:1.72
}
.destacado-cita p{margin:0}

/* ── Test de elegibilidad ───────────────────────────────────────────────── */
.test{
  background:#fff;border-radius:var(--radio-lg);box-shadow:var(--sombra-lg);
  max-width:820px;margin:0 auto;overflow:hidden;border:1px solid var(--linea)
}
.test__barra{height:6px;background:var(--azul-100)}
.test__progreso{height:100%;background:linear-gradient(90deg,var(--azul-500),var(--azul-700));width:0;transition:width .35s ease}
.test__cuerpo{padding:clamp(28px,4vw,42px)}
.test__meta{
  display:flex;justify-content:space-between;align-items:center;
  font-size:.8rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;
  color:var(--texto-tenue);margin-bottom:18px
}
.test__pregunta{font-size:clamp(1.12rem,2.1vw,1.42rem);font-weight:700;color:var(--azul-800);line-height:1.35;margin-bottom:10px}
.test__ayuda{font-size:.93rem;color:var(--texto-suave);margin-bottom:24px}
.test__opciones{display:flex;flex-direction:column;gap:11px}
.test__opcion{
  display:flex;align-items:center;gap:14px;width:100%;text-align:left;
  padding:16px 20px;background:#fff;border:2px solid var(--linea);
  border-radius:var(--radio);font-size:1rem;font-family:inherit;color:var(--texto);
  cursor:pointer;transition:all var(--transicion)
}
.test__opcion:hover{border-color:var(--azul-500);background:var(--azul-50);transform:translateX(3px)}
.test__opcion::before{
  content:'';width:20px;height:20px;border-radius:50%;border:2px solid var(--azul-300);flex-shrink:0;transition:all var(--transicion)
}
.test__opcion:hover::before{border-color:var(--azul-600);box-shadow:inset 0 0 0 4px var(--azul-600)}
.test__navegacion{margin-top:22px;display:flex;justify-content:space-between;align-items:center}
.test__atras{
  background:none;border:0;color:var(--texto-suave);font-family:inherit;font-size:.94rem;
  cursor:pointer;padding:8px 4px;display:inline-flex;align-items:center;gap:7px
}
.test__atras:hover{color:var(--azul-600)}
.test__atras[hidden]{display:none}

.resultado{text-align:center;padding:clamp(28px,4vw,44px)}
.resultado__icono{
  width:78px;height:78px;border-radius:50%;margin:0 auto 22px;display:grid;place-items:center
}
.resultado__icono svg{width:38px;height:38px}
.resultado--verde .resultado__icono{background:var(--verde-fondo);color:var(--verde)}
.resultado--ambar .resultado__icono{background:var(--ambar-fondo);color:var(--ambar)}
.resultado--rojo  .resultado__icono{background:var(--rojo-fondo);color:var(--rojo)}
.resultado h3{font-size:clamp(1.25rem,2.5vw,1.65rem);margin-bottom:12px}
.resultado--verde h3{color:var(--verde)}
.resultado--ambar h3{color:var(--ambar)}
.resultado--rojo  h3{color:var(--rojo)}
.resultado__texto{color:var(--texto-suave);max-width:56ch;margin:0 auto 24px}
.resultado__avisos{
  text-align:left;background:var(--azul-50);border-radius:var(--radio);
  padding:20px 24px;margin:0 auto 26px;max-width:600px
}
.resultado__avisos h4{font-size:.79rem;letter-spacing:.11em;text-transform:uppercase;color:var(--texto-tenue);margin-bottom:11px}
.resultado__avisos ul{margin:0;padding-left:20px}
.resultado__avisos li{font-size:.93rem;color:var(--texto-suave);line-height:1.6}
.resultado__acciones{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}

/* ── Formulario ─────────────────────────────────────────────────────────── */
.formulario{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.campo{display:flex;flex-direction:column;gap:7px}
.campo--ancho{grid-column:1/-1}
.campo label{font-size:.9rem;font-weight:600;color:var(--azul-800)}
.campo label .req{color:var(--rojo)}
.campo input,.campo select,.campo textarea{
  width:100%;padding:13px 15px;border:2px solid var(--linea);border-radius:var(--radio);
  font-size:1rem;font-family:inherit;color:var(--texto);background:#fff;
  transition:border-color var(--transicion),box-shadow var(--transicion)
}
.campo textarea{resize:vertical;min-height:110px}
.campo select{
  appearance:none;cursor:pointer;padding-right:42px;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5L6 6.5l5-5' stroke='%23246a8e' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center;background-size:12px
}
.campo input:focus,.campo select:focus,.campo textarea:focus{
  outline:0;border-color:var(--azul-500);box-shadow:0 0 0 4px rgba(46,127,168,.14)
}
.campo input[aria-invalid="true"],.campo select[aria-invalid="true"],.campo textarea[aria-invalid="true"]{
  border-color:var(--rojo);background:#fffafa
}
.campo__error{font-size:.855rem;color:var(--rojo);font-weight:500;min-height:0}
.campo__error:empty{display:none}
.campo__ayuda{font-size:.83rem;color:var(--texto-tenue)}

.check{display:flex;gap:11px;align-items:flex-start;grid-column:1/-1;cursor:pointer}
.check input{
  width:19px;height:19px;margin:2px 0 0;flex-shrink:0;accent-color:var(--azul-600);cursor:pointer
}
.check span{font-size:.885rem;color:var(--texto-suave);line-height:1.55}
.check a{text-decoration:underline;text-underline-offset:2px}

.trampa{position:absolute!important;left:-9999px!important;opacity:0;height:0;width:0;overflow:hidden}

.mensaje-form{
  grid-column:1/-1;padding:16px 20px;border-radius:var(--radio);font-size:.95rem;line-height:1.6;display:none
}
.mensaje-form.visible{display:block}
.mensaje-form--ok{background:var(--verde-fondo);color:#14603a;border-left:4px solid var(--verde)}
.mensaje-form--error{background:var(--rojo-fondo);color:#8a2323;border-left:4px solid var(--rojo)}

.form-envoltorio{
  background:#fff;border-radius:var(--radio-lg);padding:clamp(26px,4vw,42px);
  box-shadow:var(--sombra-lg);border:1px solid var(--linea)
}
.contacto__rejilla{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(28px,4vw,52px);align-items:start}
.contacto__info{padding-top:8px}
.contacto__dato{display:flex;gap:15px;align-items:flex-start;margin-bottom:24px}
.contacto__dato-icono{
  width:44px;height:44px;border-radius:11px;flex-shrink:0;display:grid;place-items:center;
  background:var(--azul-100);color:var(--azul-600)
}
.contacto__dato-icono svg{width:21px;height:21px}
.contacto__dato-etq{font-size:.79rem;letter-spacing:.1em;text-transform:uppercase;color:var(--texto-tenue)}
.contacto__dato-valor{font-weight:700;color:var(--azul-800);font-size:1.05rem}
.contacto__dato-valor a{color:var(--azul-800)}

/* ── Acordeón FAQ ───────────────────────────────────────────────────────── */
.acordeon{max-width:860px;margin:0 auto}
.acordeon__item{background:#fff;border:1px solid var(--linea);border-radius:var(--radio);margin-bottom:12px;overflow:hidden;transition:box-shadow var(--transicion)}
.acordeon__item:hover{box-shadow:var(--sombra)}
.acordeon__boton{
  width:100%;display:flex;justify-content:space-between;align-items:center;gap:18px;
  padding:20px 24px;background:none;border:0;font-family:inherit;font-size:1.03rem;
  font-weight:600;color:var(--azul-800);text-align:left;cursor:pointer;line-height:1.45
}
.acordeon__boton:hover{color:var(--azul-600)}
.acordeon__icono{
  width:26px;height:26px;flex-shrink:0;border-radius:50%;background:var(--azul-100);
  display:grid;place-items:center;transition:transform var(--transicion),background var(--transicion)
}
.acordeon__icono::before,.acordeon__icono::after{
  content:'';position:absolute;background:var(--azul-600);border-radius:2px;transition:opacity var(--transicion)
}
.acordeon__icono::before{width:11px;height:2px}
.acordeon__icono::after{width:2px;height:11px}
.acordeon__boton[aria-expanded="true"] .acordeon__icono{background:var(--azul-600);transform:rotate(180deg)}
.acordeon__boton[aria-expanded="true"] .acordeon__icono::before{background:#fff}
.acordeon__boton[aria-expanded="true"] .acordeon__icono::after{opacity:0}
.acordeon__panel{display:none;padding:0 24px 22px}
.acordeon__panel.abierto{display:block}
.acordeon__panel p{margin:0;color:var(--texto-suave);font-size:.975rem;line-height:1.72}

/* ── CTA final ──────────────────────────────────────────────────────────── */
.cta-final{
  background:linear-gradient(150deg,var(--azul-600),var(--azul-900));
  color:#fff;text-align:center;padding:clamp(48px,7vw,82px) 0;position:relative;overflow:hidden
}
.cta-final::before{
  content:'';position:absolute;inset:0;opacity:.12;
  background-image:repeating-linear-gradient(90deg,transparent 0 46px,rgba(255,255,255,.55) 46px 47px)
}
.cta-final .contenedor{position:relative;z-index:1}
.cta-final h2{color:#fff;max-width:20ch;margin:0 auto 18px}
.cta-final p{color:var(--azul-200);max-width:62ch;margin:0 auto 30px;font-size:1.05rem}

/* ── Pie ────────────────────────────────────────────────────────────────── */
.pie{background:var(--carbon);color:#9fb0bb;padding:clamp(44px,6vw,64px) 0 26px;font-size:.925rem}
.pie__rejilla{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:clamp(28px,4vw,52px);margin-bottom:36px}
.pie h4{color:#fff;font-size:.79rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:15px}
.pie a{color:#9fb0bb}
.pie a:hover{color:#fff}
.pie ul{list-style:none;margin:0;padding:0}
.pie li{margin-bottom:9px}
.pie__logo{display:flex;align-items:center;gap:13px;margin-bottom:16px}
.pie__logo .logo__nombre{color:#fff}
.pie__logo .logo__sub{color:#7e919e}
.pie__descargo{
  background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.1);
  border-radius:var(--radio);padding:18px 22px;font-size:.855rem;line-height:1.72;color:#93a5b1
}
.pie__descargo strong{color:#cfdae1}
.pie__descargo a{text-decoration:underline;text-underline-offset:2px}
.pie__legal{
  border-top:1px solid rgba(255,255,255,.11);margin-top:28px;padding-top:20px;
  font-size:.79rem;line-height:1.75;color:#7e919e
}
.pie__legal a{text-decoration:underline;text-underline-offset:2px}
.pie__creditos{
  display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px;
  margin-top:18px;padding-top:16px;border-top:1px solid rgba(255,255,255,.11);font-size:.84rem
}
.pie__enlaces-legales{display:flex;flex-wrap:wrap;gap:20px}

/* ── Botón flotante ─────────────────────────────────────────────────────── */
.flotante{
  position:fixed;right:20px;bottom:20px;z-index:800;display:none;
  align-items:center;gap:9px;padding:14px 22px;border-radius:99px;
  background:var(--azul-600);color:#fff;font-weight:600;font-size:.95rem;
  box-shadow:0 6px 24px rgba(18,63,86,.34);transition:all var(--transicion)
}
.flotante:hover{background:var(--azul-800);color:#fff;transform:translateY(-2px)}
.flotante.visible{display:inline-flex}

/* ── Animación de entrada ───────────────────────────────────────────────── */
.aparece{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.aparece.visible{opacity:1;transform:none}

/* ── Responsive ─────────────────────────────────────────────────────────── */
@media (max-width:1000px){
  .hero__rejilla{grid-template-columns:1fr;gap:38px}
  .contacto__rejilla{grid-template-columns:1fr}
  .pie__rejilla{grid-template-columns:1fr 1fr}
  .confianza__rejilla{grid-template-columns:repeat(2,1fr);gap:26px}
}

@media (max-width:860px){
  .hamburguesa{display:grid}
  .nav{
    position:fixed;inset:auto 0 0 0;top:0;background:#fff;flex-direction:column;
    justify-content:flex-start;align-items:stretch;gap:0;padding:88px 24px 32px;
    transform:translateX(100%);transition:transform var(--transicion);
    z-index:890;overflow-y:auto
  }
  .nav.abierto{transform:none;box-shadow:var(--sombra-lg)}
  .nav a{padding:15px 0;border-bottom:1px solid var(--linea);font-size:1.05rem}
  .tel-cabecera{display:none}
  .cabecera__acciones .btn{padding:11px 18px;font-size:.9rem}
  .comparativa,.dos-columnas{grid-template-columns:1fr}
  .formulario{grid-template-columns:1fr}
}

@media (max-width:560px){
  body{font-size:16px}
  .contenedor{padding:0 18px}
  .confianza__rejilla{grid-template-columns:1fr 1fr;gap:20px}
  .pie__rejilla{grid-template-columns:1fr}
  .hero__botones .btn{width:100%}
  .test__cuerpo{padding:24px 20px}
  .resultado__acciones .btn{width:100%}
  .pie__creditos{flex-direction:column}
}

/* ── Accesibilidad y movimiento ─────────────────────────────────────────── */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{
    animation-duration:.01ms!important;animation-iteration-count:1!important;
    transition-duration:.01ms!important;scroll-behavior:auto!important
  }
  .aparece{opacity:1;transform:none}
}

/* ── Impresión ──────────────────────────────────────────────────────────── */
@media print{
  .cabecera,.avisobar,.flotante,.test,.cta-final,form{display:none!important}
  body{font-size:11pt;color:#000}
  .seccion{padding:18px 0}
  .hero{background:none;color:#000}
  .hero h1,.hero h1 em{color:#000}
  a[href^="http"]::after{content:" (" attr(href) ")";font-size:9pt;color:#555}
}