/* ========================================= */
/* 1. VARIABLES GLOBALES Y RESET             */
/* Paleta FIAE + variables de cada crédito   */
/* ========================================= */
:root {
    --pri: #1a3c8b;          /* Azul institucional FIAE */
    --pri-dark: #0d1b3e;     /* Azul oscuro (footer) */
    --pri-light: #e8eeff;    /* Azul muy claro (fondos) */
    --accent: #ffcc00;       /* Amarillo dorado */
    --accent-hover: #ffd633;
    --txt: #2d3748;          /* Texto principal */
    --txt-light: #718096;    /* Texto secundario */
    --bg: #f7f8fc;           /* Fondo general */
    --white: #ffffff;
    --err: #e74c3c;
    --ok: #2ecc71;
    --wa: #25d366;           /* Verde WhatsApp */
    --max-w: 1200px;
    --radius: 14px;
    --shadow-sm: 0 2px 8px rgba(0,0,0,0.06);
    --shadow-md: 0 8px 30px rgba(0,0,0,0.08);
    --shadow-lg: 0 20px 60px rgba(0,0,0,0.12);

    /* Colores por tipo de crédito */
    --c-emp: #1a3c8b;
    --c-per: #6c5ce7;
    --c-hip: #e17055;
    --c-aut: #00b894;
    --c-agr: #f39c12;
}

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

html { scroll-behavior: smooth; overflow-x: hidden; }

body {
    font-family: 'DM Sans', sans-serif;
    color: var(--txt);
    line-height: 1.6;
    background: var(--bg);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

/* ========================================= */
/* 2. UTILIDADES                             */
/* ========================================= */
.container { width: 90%; max-width: var(--max-w); margin: 0 auto; padding: 0 15px; }
.section { padding: 90px 0; }

/* Título de sección */
.stitle {
    font-family: 'Montserrat', sans-serif;
    font-size: 2.6rem;
    font-weight: 800;
    color: var(--pri);
    text-align: center;
    margin-bottom: 15px;
    line-height: 1.15;
    letter-spacing: -0.02em;
}

.stitle::after {
    content: '';
    display: block;
    width: 70px;
    height: 4px;
    background: var(--accent);
    border-radius: 2px;
    margin: 12px auto 0;
}

/* Subtítulo */
.ssub {
    text-align: center;
    color: var(--txt-light);
    font-size: 1.1rem;
    margin-bottom: 50px;
    max-width: 650px;
    margin-left: auto;
    margin-right: auto;
}

/* ========================================= */
/* 3. ANIMACIONES                            */
/* ========================================= */
@keyframes fadeUp {
    from { opacity: 0; transform: translateY(35px); }
    to   { opacity: 1; transform: translateY(0); }
}

@keyframes countUp { from { opacity: 0.3; } to { opacity: 1; } }

@keyframes pulseWa {
    0%   { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.6); }
    70%  { box-shadow: 0 0 0 18px rgba(37, 211, 102, 0); }
    100% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0); }
}

@keyframes shimmer {
    0%   { background-position: -200% 0; }
    100% { background-position: 200% 0; }
}

.anim { opacity: 0; }
.anim.visible { animation: fadeUp 0.7s ease-out forwards; }

/* ========================================= */
/* 4. NAVEGACIÓN                             */
/* ========================================= -->
/* ========================================= */
nav {
    background: var(--pri);
    position: fixed;
    width: 100%;
    top: 0; left: 0;
    z-index: 1000;
    box-shadow: 0 2px 15px rgba(0,0,0,0.15);
    transition: box-shadow 0.3s;
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 0;
}

/* Logo */
.logo {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.9rem;
    font-weight: 900;
    color: var(--white);
    text-decoration: none;
    letter-spacing: -0.02em;
    z-index: 1001;
    position: relative;
}
.logo span { color: var(--accent); }

/* Links */
.nav-links {
    display: flex;
    list-style: none;
    align-items: center;
    gap: 8px;
}

.nav-links a {
    color: rgba(255,255,255,0.85);
    text-decoration: none;
    font-weight: 500;
    font-size: 0.95rem;
    padding: 8px 14px;
    border-radius: 8px;
    transition: all 0.25s;
}

.nav-links a:hover,
.nav-links a.active {
    color: var(--white);
    background: rgba(255,255,255,0.1);
}

/* Botón WhatsApp en nav */
.nav-wa {
    background: var(--wa) !important;
    color: var(--white) !important;
    padding: 8px 20px !important;
    border-radius: 50px !important;
    font-weight: 600 !important;
    display: inline-flex !important;
    align-items: center;
    gap: 6px;
}
.nav-wa:hover { background: #1db954 !important; transform: scale(1.03); }

/* Hamburguesa */
.menu-toggle {
    display: none;
    font-size: 1.4rem;
    cursor: pointer;
    background: none;
    border: none;
    color: var(--white);
    z-index: 1001;
    padding: 5px;
}

/* ========================================= */
/* 5. HERO                                   */
/* ========================================= */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 100px 0 50px;
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
}
.hero-bg img { width: 100%; height: 100%; object-fit: cover; }
.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(10,20,50,0.94) 0%, rgba(26,60,139,0.88) 50%, rgba(13,27,62,0.92) 100%);
}

/* Patrón de puntos decorativo */
.hero-pattern {
    position: absolute;
    inset: 0;
    z-index: 0;
    opacity: 0.03;
    background-image: radial-gradient(circle, var(--white) 1px, transparent 1px);
    background-size: 30px 30px;
}

/* Grid 2 columnas */
.hero-grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 50px;
    align-items: center;
}

/* Texto hero */
.hero-text { color: var(--white); }

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: rgba(46,204,113,0.12);
    border: 1px solid rgba(46,204,113,0.3);
    color: #6dd5a0;
    padding: 8px 20px;
    border-radius: 50px;
    font-size: 0.88rem;
    font-weight: 600;
    margin-bottom: 22px;
}

.badge-dot {
    width: 8px; height: 8px;
    background: var(--ok);
    border-radius: 50%;
    animation: pulseWa 2s infinite;
}

.hero-text h1 {
    font-family: 'Montserrat', sans-serif;
    font-size: 3rem;
    font-weight: 900;
    line-height: 1.1;
    margin-bottom: 20px;
    letter-spacing: -0.025em;
}

.accent { color: var(--accent); }

.hero-sub {
    font-size: 1.15rem;
    line-height: 1.65;
    color: rgba(255,255,255,0.85);
    margin-bottom: 28px;
}

.hero-pills { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 30px; }

.pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.15);
    padding: 8px 16px;
    border-radius: 50px;
    font-size: 0.85rem;
    color: rgba(255,255,255,0.9);
    backdrop-filter: blur(4px);
}
.pill i { color: var(--accent); font-size: 0.8rem; }

/* Logos de confianza en el hero */
.hero-logos {
    display: flex;
    align-items: center;
    gap: 15px;
    padding-top: 10px;
    border-top: 1px solid rgba(255,255,255,0.1);
    margin-top: 10px;
}
.hero-logos span { font-size: 0.8rem; color: rgba(255,255,255,0.5); }
.hero-logos img { height: 24px; opacity: 0.5; filter: grayscale(100%) brightness(2); transition: 0.3s; }
.hero-logos img:hover { opacity: 0.8; }

/* ─── Formulario hero ─── */
.hero-form-col { display: flex; justify-content: flex-end; }

.form-card {
    background: var(--white);
    border-radius: var(--radius);
    width: 100%;
    max-width: 420px;
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.form-card-top {
    background: linear-gradient(135deg, var(--pri), var(--pri-dark));
    padding: 22px 28px;
    text-align: center;
}
.form-card-top h2 {
    font-family: 'Montserrat', sans-serif;
    color: var(--white);
    font-size: 1.3rem;
    font-weight: 700;
}
.form-card-top p { color: rgba(255,255,255,0.65); font-size: 0.88rem; margin-top: 4px; }

.form-card form { padding: 22px 28px 10px; }

.fg { margin-bottom: 14px; }
.fg label { display: block; font-weight: 600; font-size: 0.88rem; color: #444; margin-bottom: 5px; }
.fg input, .fg select {
    width: 100%; padding: 11px 14px;
    border: 1.5px solid #e2e8f0; border-radius: 10px;
    font-size: 15px; background: var(--white);
    transition: border 0.25s, box-shadow 0.25s;
    font-family: 'DM Sans', sans-serif;
}
.fg input:focus, .fg select:focus {
    outline: none;
    border-color: var(--pri);
    box-shadow: 0 0 0 3px rgba(26,60,139,0.1);
}

/* Checkbox */
.chk { display: flex; align-items: flex-start; gap: 10px; padding: 0 28px; margin-bottom: 14px; }
.form-card .chk { padding: 0; }
.chk input[type="checkbox"] { width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0; cursor: pointer; accent-color: var(--pri); }
.chk label { font-size: 0.82rem; color: var(--txt-light); line-height: 1.4; cursor: pointer; }
.chk label a { color: var(--pri); font-weight: 600; }

/* Botón submit */
.btn-submit {
    width: 100%; padding: 13px;
    background: var(--pri); color: var(--white);
    border: none; border-radius: 10px;
    font-size: 1rem; font-weight: 700;
    cursor: pointer; transition: all 0.3s;
    display: flex; align-items: center; justify-content: center; gap: 8px;
    font-family: 'DM Sans', sans-serif;
}
.btn-submit:hover { background: var(--pri-dark); transform: translateY(-2px); box-shadow: var(--shadow-md); }

.form-card .btn-submit { margin: 0 28px 8px; width: calc(100% - 56px); }
.form-card .chk { padding: 0 28px; }

/* Separador */
.form-sep { text-align: center; padding: 8px 28px; position: relative; }
.form-sep span { background: var(--white); padding: 0 12px; color: #bbb; font-size: 0.82rem; position: relative; z-index: 1; }
.form-sep::before { content: ''; position: absolute; top: 50%; left: 28px; right: 28px; height: 1px; background: #e8e8e8; }

/* Botón WA alternativo */
.btn-wa-alt {
    display: flex; align-items: center; justify-content: center; gap: 8px;
    margin: 0 28px 22px; padding: 12px;
    background: var(--wa); color: var(--white);
    border-radius: 10px; font-weight: 700; font-size: 0.92rem;
    text-decoration: none; transition: all 0.3s;
}
.btn-wa-alt:hover { background: #1db954; transform: translateY(-2px); }
.btn-wa-alt i { font-size: 1.15rem; }

.form-note { text-align: center; font-size: 0.78rem; color: #bbb; margin-top: 6px; }

/* ========================================= */
/* 6. STATS BAR                              */
/* Números de impacto con contador animado   */
/* ========================================= */
.stats-bar {
    background: var(--white);
    padding: 28px 0;
    box-shadow: var(--shadow-sm);
    position: relative;
    z-index: 2;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    text-align: center;
}

.stat-num {
    font-family: 'Montserrat', sans-serif;
    font-size: 2.4rem;
    font-weight: 900;
    color: var(--pri);
    line-height: 1;
}
.stat-num::after { content: '+'; font-size: 1.4rem; color: var(--accent); }

.stat-label {
    font-size: 0.85rem;
    color: var(--txt-light);
    margin-top: 4px;
    font-weight: 500;
}

/* ========================================= */
/* 7. TARJETAS DE CRÉDITOS                   */
/* ========================================= */
.sec-creditos { background: var(--bg); }

.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(310px, 1fr));
    gap: 22px;
}

.ccard {
    background: var(--white);
    border-radius: var(--radius);
    padding: 28px 24px;
    box-shadow: var(--shadow-sm);
    transition: all 0.35s ease;
    display: flex; flex-direction: column;
    border: 1px solid rgba(0,0,0,0.04);
    position: relative;
}
.ccard:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }

/* Íconos */
.ccard-icon {
    width: 56px; height: 56px;
    border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem; color: var(--white);
    margin-bottom: 16px;
    transition: transform 0.3s;
}
.ccard:hover .ccard-icon { transform: scale(1.08) rotate(-3deg); }

.ccard-icon.emp { background: linear-gradient(135deg, var(--c-emp), #3366cc); }
.ccard-icon.per { background: linear-gradient(135deg, var(--c-per), #a29bfe); }
.ccard-icon.hip { background: linear-gradient(135deg, var(--c-hip), #fab1a0); }
.ccard-icon.aut { background: linear-gradient(135deg, var(--c-aut), #55efc4); }
.ccard-icon.agr { background: linear-gradient(135deg, var(--c-agr), #ffeaa7); }

.ccard-tag {
    display: inline-block;
    background: var(--pri-light);
    color: var(--txt-light);
    font-size: 0.72rem; font-weight: 700;
    padding: 3px 10px; border-radius: 50px;
    text-transform: uppercase; letter-spacing: 0.6px;
    margin-bottom: 10px; width: fit-content;
}

.ccard h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.25rem; font-weight: 700;
    color: var(--pri); margin-bottom: 8px;
}

.ccard > p { color: var(--txt-light); font-size: 0.9rem; margin-bottom: 16px; flex-grow: 1; }

.ccard-feat { list-style: none; margin-bottom: 20px; }
.ccard-feat li {
    display: flex; align-items: center; gap: 8px;
    padding: 5px 0; font-size: 0.86rem; color: var(--txt);
}
.ccard-feat li i { color: var(--ok); font-size: 0.75rem; }

/* Link "Ver detalles" en la tarjeta */
.ccard-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--pri);
    font-size: 0.88rem;
    font-weight: 600;
    text-decoration: none;
    margin-bottom: 16px;
    transition: all 0.3s;
}
.ccard-link i { font-size: 0.75rem; transition: transform 0.3s; }
.ccard-link:hover { color: var(--accent); }
.ccard-link:hover i { transform: translateX(4px); }

.ccard-foot { display: flex; gap: 8px; margin-top: auto; }

.btn-card {
    flex: 1; background: var(--pri); color: var(--white);
    text-decoration: none; text-align: center;
    padding: 11px 16px; border-radius: 10px;
    font-weight: 700; font-size: 0.88rem;
    transition: all 0.3s;
}
.btn-card:hover { background: var(--pri-dark); transform: translateY(-2px); }

.btn-card-wa {
    width: 44px; height: 44px;
    background: var(--wa); color: var(--white);
    border-radius: 10px; display: flex;
    align-items: center; justify-content: center;
    font-size: 1.15rem; text-decoration: none;
    transition: all 0.3s; flex-shrink: 0;
}
.btn-card-wa:hover { background: #1db954; transform: translateY(-2px); }

/* ========================================= */
/* 8. SIMULADOR DE CRÉDITO                   */
/* 2 paneles: controles + resultado          */
/* ========================================= */
.sec-simulador {
    background: linear-gradient(180deg, var(--white) 0%, var(--bg) 100%);
}

.sim-wrapper {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 0;
    background: var(--white);
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    border: 1px solid rgba(0,0,0,0.05);
}

/* ─── Panel controles ─── */
.sim-controls { padding: 40px 35px; }

.sim-field { margin-bottom: 28px; }
.sim-field label {
    display: block; font-weight: 700; font-size: 0.9rem;
    color: var(--txt); margin-bottom: 8px;
}

.sim-select-wrap { position: relative; }
.sim-select-wrap select {
    width: 100%; padding: 12px 16px;
    border: 2px solid #e2e8f0; border-radius: 12px;
    font-size: 15px; font-weight: 600;
    background: var(--white); appearance: none;
    cursor: pointer; transition: border 0.25s;
    font-family: 'DM Sans', sans-serif;
    color: var(--pri);
}
.sim-select-wrap select:focus { border-color: var(--pri); outline: none; }
.sim-select-wrap::after {
    content: '\f107'; font-family: 'Font Awesome 6 Free'; font-weight: 900;
    position: absolute; right: 16px; top: 50%; transform: translateY(-50%);
    color: var(--pri); pointer-events: none; font-size: 0.9rem;
}

/* Chips de info (tasa + plazo) */
.sim-info-row { display: flex; gap: 12px; margin-bottom: 28px; }

.sim-info-chip {
    flex: 1; display: flex; align-items: center; gap: 12px;
    padding: 12px 16px;
    background: var(--pri-light); border-radius: 12px;
    transition: all 0.3s;
}
.sim-info-chip i { font-size: 1.1rem; color: var(--pri); }
.sim-info-label { display: block; font-size: 0.72rem; color: var(--txt-light); text-transform: uppercase; letter-spacing: 0.5px; font-weight: 600; }
.sim-info-value { display: block; font-size: 1.05rem; font-weight: 800; color: var(--pri); font-family: 'Montserrat', sans-serif; }

/* Display del monto */
.sim-monto-display, .sim-plazo-display {
    font-family: 'Montserrat', sans-serif;
    font-size: 2rem; font-weight: 900;
    color: var(--pri); margin-bottom: 10px;
    letter-spacing: -0.02em;
}

/* Slider personalizado */
.sim-slider {
    width: 100%;
    -webkit-appearance: none;
    height: 8px;
    border-radius: 4px;
    background: linear-gradient(90deg, var(--pri) 0%, #e2e8f0 0%);
    outline: none;
    transition: background 0.15s;
}
.sim-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px; height: 24px;
    border-radius: 50%;
    background: var(--pri);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(26,60,139,0.3);
    border: 3px solid var(--white);
    transition: transform 0.2s;
}
.sim-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.sim-slider::-moz-range-thumb {
    width: 24px; height: 24px;
    border-radius: 50%;
    background: var(--pri);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(26,60,139,0.3);
    border: 3px solid var(--white);
}

.sim-slider-labels { display: flex; justify-content: space-between; font-size: 0.78rem; color: var(--txt-light); margin-top: 6px; }

/* ─── Panel resultado ─── */
.sim-result {
    background: linear-gradient(135deg, var(--pri) 0%, var(--pri-dark) 100%);
    padding: 40px 35px;
    display: flex; align-items: center; justify-content: center;
    position: relative;
    overflow: hidden;
}

/* Patrón decorativo en resultado */
.sim-result::before {
    content: '';
    position: absolute; inset: 0;
    opacity: 0.04;
    background-image: radial-gradient(circle, var(--white) 1px, transparent 1px);
    background-size: 20px 20px;
}

.sim-result-inner { position: relative; z-index: 1; text-align: center; width: 100%; }

.sim-result-icon {
    width: 60px; height: 60px;
    background: rgba(255,255,255,0.1);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 15px;
    font-size: 1.4rem; color: var(--accent);
}

.sim-result-label { color: rgba(255,255,255,0.7); font-size: 0.95rem; margin-bottom: 5px; }

.sim-result-amount {
    font-family: 'Montserrat', sans-serif;
    font-size: 3.2rem; font-weight: 900;
    color: var(--white); margin-bottom: 25px;
    line-height: 1;
}
.sim-currency { font-size: 1.8rem; vertical-align: super; opacity: 0.7; margin-right: 4px; }

/* Detalles del resultado */
.sim-result-details {
    display: flex; flex-direction: column; gap: 10px;
    background: rgba(255,255,255,0.08);
    border-radius: 12px; padding: 18px;
    margin-bottom: 18px;
}
.sim-detail {
    display: flex; justify-content: space-between; align-items: center;
    font-size: 0.88rem;
}
.sim-detail span { color: rgba(255,255,255,0.6); }
.sim-detail strong { color: var(--white); font-weight: 700; }

.sim-disclaimer { font-size: 0.72rem; color: rgba(255,255,255,0.4); margin-bottom: 20px; line-height: 1.4; }

/* CTAs del simulador */
.sim-ctas { display: flex; flex-direction: column; gap: 10px; }

.btn-sim-primary {
    display: flex; align-items: center; justify-content: center; gap: 8px;
    padding: 13px; background: var(--accent); color: var(--pri);
    border-radius: 10px; font-weight: 800; font-size: 0.95rem;
    text-decoration: none; transition: all 0.3s;
}
.btn-sim-primary:hover { background: var(--accent-hover); transform: translateY(-2px); }

.btn-sim-wa {
    display: flex; align-items: center; justify-content: center; gap: 8px;
    padding: 12px; background: var(--wa); color: var(--white);
    border-radius: 10px; font-weight: 700; font-size: 0.9rem;
    text-decoration: none; transition: all 0.3s;
}
.btn-sim-wa:hover { background: #1db954; transform: translateY(-2px); }

/* ========================================= */
/* 9. PROCESO / PASOS                        */
/* ========================================= */
.sec-proceso { background: var(--white); }

.pasos-grid { display: flex; align-items: flex-start; justify-content: center; gap: 15px; }

.paso { text-align: center; flex: 1; max-width: 280px; padding: 20px; }

.paso-num {
    width: 44px; height: 44px;
    background: var(--pri); color: var(--white);
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    font-family: 'Montserrat', sans-serif; font-size: 1.1rem; font-weight: 800;
    margin: 0 auto 14px;
}

.paso-ico { font-size: 2.2rem; color: var(--pri); margin-bottom: 14px; }

.paso h3 { font-family: 'Montserrat', sans-serif; font-size: 1.1rem; font-weight: 700; color: var(--pri); margin-bottom: 8px; }
.paso p { color: var(--txt-light); font-size: 0.9rem; }

.paso-line { width: 50px; height: 2px; background: #dde3f0; margin-top: 80px; flex-shrink: 0; }

/* ========================================= */
/* 10. BENEFICIOS                            */
/* ========================================= */
.sec-beneficios { background: var(--bg); }

.benef-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(310px, 1fr));
    gap: 20px;
}

.benef {
    background: var(--white);
    border-radius: var(--radius);
    padding: 24px;
    display: flex; align-items: flex-start; gap: 16px;
    box-shadow: var(--shadow-sm);
    transition: all 0.3s;
    border: 1px solid rgba(0,0,0,0.03);
}
.benef:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }

.benef-ico {
    width: 48px; height: 48px;
    background: var(--pri-light);
    border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}
.benef-ico i { font-size: 1.1rem; color: var(--pri); }

.benef h4 { font-family: 'Montserrat', sans-serif; font-size: 1rem; font-weight: 700; color: var(--pri); margin-bottom: 4px; }
.benef p { color: var(--txt-light); font-size: 0.88rem; }

/* ========================================= */
/* 11. FORMULARIO FINAL                      */
/* ========================================= */
.sec-form-final { background: var(--pri-light); }

.form-final-grid {
    display: grid; grid-template-columns: 1fr 1fr;
    background: var(--white); border-radius: 20px;
    overflow: hidden; box-shadow: var(--shadow-lg);
}

.form-main { padding: 35px; }
.form-main .fg { margin-bottom: 16px; }
.form-main .fg label { display: block; font-weight: 600; font-size: 0.88rem; color: #444; margin-bottom: 5px; }
.form-main .fg input, .form-main .fg select {
    width: 100%; padding: 11px 14px;
    border: 1.5px solid #e2e8f0; border-radius: 10px;
    font-size: 15px; font-family: 'DM Sans', sans-serif;
    transition: all 0.25s;
}
.form-main .fg input:focus, .form-main .fg select:focus {
    outline: none; border-color: var(--pri); box-shadow: 0 0 0 3px rgba(26,60,139,0.1);
}
.form-main .chk { padding: 0; }
.form-main .btn-submit { margin-top: 8px; }
.form-main .form-note { padding: 0; }

/* Sidebar */
.form-sidebar {
    background: linear-gradient(135deg, var(--pri), var(--pri-dark));
    padding: 35px; color: var(--white);
    display: flex; flex-direction: column; justify-content: center;
}
.form-sidebar h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.4rem; font-weight: 700;
    color: var(--accent); margin-bottom: 25px;
}

.sb-items { display: flex; flex-direction: column; gap: 14px; }

.sb-item {
    display: flex; align-items: flex-start; gap: 14px;
    padding: 14px; background: rgba(255,255,255,0.07);
    border-radius: 10px; transition: all 0.3s;
}
.sb-item:hover { background: rgba(255,255,255,0.12); transform: translateX(4px); }
.sb-item i { font-size: 1.1rem; color: var(--accent); margin-top: 2px; min-width: 20px; }
.sb-item strong { display: block; font-size: 0.92rem; color: var(--white); margin-bottom: 2px; }
.sb-item p { font-size: 0.82rem; color: rgba(255,255,255,0.6); margin: 0; }

/* ========================================= */
/* 12. FOOTER                                */
/* ========================================= */
footer {
    background: var(--pri-dark);
    color: var(--white);
    padding: 65px 0 20px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 0.8fr 1.2fr 0.8fr 1fr;
    gap: 35px; margin-bottom: 35px;
}

.footer-brand p { color: rgba(255,255,255,0.5); font-size: 0.9rem; margin-top: 8px; }

.footer-contact h4, .footer-reg h4, .footer-links h4 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.1rem; font-weight: 700;
    margin-bottom: 18px;
}

.footer-contact ul { list-style: none; }
.footer-contact li {
    display: flex; align-items: flex-start; gap: 12px;
    margin-bottom: 14px; color: rgba(255,255,255,0.6); font-size: 0.88rem;
}
.footer-contact li i { color: var(--accent); margin-top: 3px; min-width: 16px; }

/* Links a subpáginas de créditos en el footer */
.footer-links ul { list-style: none; }
.footer-links li { margin-bottom: 10px; }
.footer-links a {
    color: rgba(255,255,255,0.6);
    text-decoration: none;
    font-size: 0.88rem;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: all 0.3s;
}
.footer-links a i { color: var(--accent); font-size: 0.8rem; min-width: 16px; }
.footer-links a:hover { color: var(--white); transform: translateX(4px); }

.footer-reg p { color: rgba(255,255,255,0.5); font-size: 0.88rem; margin-bottom: 15px; line-height: 1.5; }

.footer-logos { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.footer-logos img {
    height: 32px; opacity: 0.5; filter: grayscale(100%); transition: all 0.3s;
}
.footer-logos img:hover { opacity: 0.9; filter: grayscale(0); transform: scale(1.05); }

.footer-bottom {
    display: flex; justify-content: space-between; align-items: center;
    border-top: 1px solid rgba(255,255,255,0.08);
    padding-top: 20px; font-size: 0.82rem; color: rgba(255,255,255,0.4);
}
.footer-bottom a { color: rgba(255,255,255,0.4); text-decoration: none; transition: 0.3s; }
.footer-bottom a:hover { color: var(--accent); }

/* ========================================= */
/* 13. WHATSAPP FLOTANTE                     */
/* ========================================= */
.wa-float {
    position: fixed; width: 60px; height: 60px;
    bottom: 28px; right: 28px;
    background: var(--wa); color: var(--white);
    border-radius: 50%; font-size: 32px;
    display: flex; align-items: center; justify-content: center;
    text-decoration: none; z-index: 10000;
    box-shadow: 0 4px 15px rgba(37,211,102,0.4);
    transition: all 0.3s;
    animation: pulseWa 2s infinite;
}
.wa-float:hover { background: #1db954; transform: scale(1.1); color: var(--white); }

/* ========================================= */
/* 14. RESPONSIVE: TABLET (≤992px)           */
/* ========================================= */
@media (max-width: 992px) {
    .stitle { font-size: 2rem; }

    /* Nav hamburguesa */
    .menu-toggle { display: flex; align-items: center; justify-content: center; }
    .nav-links {
        display: none; flex-direction: column;
        position: absolute; top: 100%; left: 0; width: 100%;
        background: var(--pri); padding: 15px 0;
        box-shadow: 0 10px 20px rgba(0,0,0,0.15); z-index: 999;
    }
    .nav-links.active { display: flex; }
    .nav-links a { display: block; padding: 14px 20px; border-radius: 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
    .nav-wa { margin: 10px 20px; justify-content: center; border-radius: 10px !important; }

    /* Hero 1 col */
    .hero-grid { grid-template-columns: 1fr; gap: 30px; }
    /* El texto de propuesta de valor se muestra primero en móvil */
    /* El formulario queda debajo del texto */
    .hero-form-col { justify-content: center; }
    .hero-text { text-align: center; }
    .hero-badge { margin: 0 auto 20px; }
    .hero-pills { justify-content: center; }
    .hero-logos { justify-content: center; }
    .hero-text h1 { font-size: 2.2rem; }
    .form-card { max-width: 100%; }

    /* Stats */
    .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 15px; }

    /* Tarjetas 1 col */
    .cards-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }

    /* Simulador 1 col */
    .sim-wrapper { grid-template-columns: 1fr; }
    .sim-result { padding: 30px; }

    /* Proceso vertical */
    .pasos-grid { flex-direction: column; align-items: center; }
    .paso-line { width: 2px; height: 25px; margin: 0; }

    /* Beneficios 1 col */
    .benef-grid { grid-template-columns: 1fr; }

    /* Form final 1 col */
    .form-final-grid { grid-template-columns: 1fr; }
    .form-sidebar { order: -1; }

    /* Footer */
    .footer-grid { grid-template-columns: 1fr 1fr; text-align: center; }
    .footer-links a { justify-content: center; }
    .footer-links a:hover { transform: none; }
    .footer-contact li { justify-content: center; }
    .footer-logos { justify-content: center; }
    .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
}

/* ========================================= */
/* 15. RESPONSIVE: MÓVIL (≤768px)            */
/* ========================================= */
@media (max-width: 768px) {
    .container { width: 92%; }
    .section { padding: 60px 0; }
    .stitle { font-size: 1.7rem; }

    .hero { padding: 80px 0 40px; }
    .hero-text h1 { font-size: 1.8rem; }
    .hero-sub { font-size: 1rem; }
    .pill { font-size: 0.78rem; padding: 6px 12px; }

    .form-card-top { padding: 18px 20px; }
    .form-card form { padding: 18px 20px 8px; }
    .form-card .btn-submit { margin: 0 20px 8px; width: calc(100% - 40px); }
    .form-card .chk { padding: 0 20px; }
    .form-sep { padding: 8px 20px; }
    .form-sep::before { left: 20px; right: 20px; }
    .btn-wa-alt { margin: 0 20px 18px; }

    .stat-num { font-size: 1.8rem; }

    /* Footer 1 col en móvil */
    .footer-grid { grid-template-columns: 1fr; }

    .sim-controls { padding: 28px 22px; }
    .sim-result { padding: 28px 22px; }
    .sim-monto-display, .sim-plazo-display { font-size: 1.6rem; }
    .sim-result-amount { font-size: 2.4rem; }
    .sim-info-row { flex-direction: column; }

    .form-main { padding: 25px 20px; }
    .form-sidebar { padding: 25px 20px; }

    .wa-float { width: 52px; height: 52px; font-size: 28px; bottom: 20px; right: 20px; }
}

/* ========================================= */
/* 16. RESPONSIVE: MÓVIL PEQUEÑO (≤480px)    */
/* ========================================= */
@media (max-width: 480px) {
    .hero-text h1 { font-size: 1.5rem; }
    .hero-badge { font-size: 0.78rem; }
    .stitle { font-size: 1.45rem; }
    .sim-result-amount { font-size: 2rem; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .stat-num { font-size: 1.5rem; }
}