/* =============================================================
   DEVISE FINANCE — premium dark editorial (navy · green · blue)
   ============================================================= */

/* =============================================================
   1. Tokens
   ============================================================= */
@property --mesh-angle {
  syntax: "<angle>"; inherits: false; initial-value: 0deg;
}

:root {
  /* Base — deep navy, never pure black */
  --bg:        #0A1626;
  --bg-2:      #0D1D33;
  --bg-3:      #112743;   /* card */
  --bg-4:      #16304F;   /* card raised */

  /* Text — cool, never pure white */
  --text:      #EAF1F8;
  --text-2:    #B4C5D8;
  --text-mute: #7089A3;

  /* Brand accents (from logo) */
  --green:     #1FB65C;
  --green-2:   #17A150;
  --green-soft:#3FD07C;
  --blue:      #3E9BD6;
  --blue-2:    #5FB2E6;
  --navy-line: #24547F;

  --accent:    var(--green);
  --accent-2:  var(--blue);

  --line:      rgba(234,241,248,.10);
  --line-2:    rgba(234,241,248,.18);

  --grad-brand: linear-gradient(100deg, var(--green-soft) 0%, var(--blue-2) 100%);

  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --mono: "IBM Plex Mono", ui-monospace, "SFMono-Regular", monospace;

  --ease-out:   cubic-bezier(0.16, 1, 0.3, 1);
  --ease-soft:  cubic-bezier(0.25, 0.46, 0.45, 0.94);
  --ease-bounce:cubic-bezier(0.34, 1.56, 0.64, 1);

  --gutter: clamp(1.25rem, 5vw, 5rem);
  --maxw: 1240px;
  --radius: 18px;
  --nav-h: 78px;
}

/* =============================================================
   2. Reset & base
   ============================================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; }
html {
  -webkit-text-size-adjust: 100%;
  tab-size: 2;
  scroll-behavior: smooth;
  overflow-x: clip;
}
body {
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.62;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
  overscroll-behavior-y: none;
}
img, svg, video { display: block; max-width: 100%; }
img { height: auto; }
button { font: inherit; color: inherit; cursor: pointer; border: 0; background: none; }
a { color: inherit; text-decoration: none; }
p { text-wrap: pretty; }
h1, h2, h3, h4 { text-wrap: balance; line-height: 1.04; letter-spacing: -0.02em; font-weight: 400; }
ul { list-style: none; padding: 0; }
::selection { background: var(--green); color: #04101E; }

:focus-visible {
  outline: 2px solid var(--blue-2);
  outline-offset: 3px;
  border-radius: 6px;
}

.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gutter); }

.skip-link {
  position: fixed; top: -100px; left: 1rem;
  padding: .7rem 1.1rem; background: var(--green); color: #04101E;
  z-index: 9999; border-radius: 10px; font-weight: 600;
  transition: top .2s var(--ease-out);
}
.skip-link:focus { top: 1rem; }

/* =============================================================
   3. Typography helpers
   ============================================================= */
.kicker {
  font-family: var(--mono);
  font-size: .74rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--text-2);
  display: inline-flex; align-items: center; gap: .6rem;
}
.kicker .dot {
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 0 4px rgba(31,182,92,.18);
  animation: pulse 2.4s var(--ease-soft) infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 3px rgba(31,182,92,.20); }
  50%      { box-shadow: 0 0 0 7px rgba(31,182,92,.05); }
}
.grad {
  background: var(--grad-brand);
  -webkit-background-clip: text; background-clip: text;
  color: transparent; -webkit-text-fill-color: transparent;
}
/* Cuando un título con degradado se parte en líneas animadas, las letras quedan
   dentro de spans con transform; en varios móviles el degradado recortado sobre
   el ancestro NO se pinta ahí y las palabras de color desaparecen. Re-aplicamos
   el degradado sobre el span que contiene las letras para que siempre se vea. */
.grad .split-line > span {
  background: var(--grad-brand);
  -webkit-background-clip: text; background-clip: text;
  color: transparent; -webkit-text-fill-color: transparent;
}
/* Respaldo sólido y siempre visible si el navegador no soporta el recorte. */
@supports not ((-webkit-background-clip: text) or (background-clip: text)) {
  .grad, .grad .split-line > span {
    background: none; color: var(--green-soft); -webkit-text-fill-color: var(--green-soft);
  }
}
em { font-style: italic; font-family: var(--serif); }

/* =============================================================
   4. Brand lockup (SVG icon + wordmark)
   ============================================================= */
.brand { display: inline-flex; align-items: center; gap: .7rem; }
.brand-icon { width: 34px; height: 34px; flex: none; }
.bi-bar   { fill: #35608F; }
.bi-green { fill: var(--green); }
.bi-blue  { fill: none; stroke: var(--blue); stroke-width: 3.4; }
.brand-word {
  font-family: var(--sans);
  font-weight: 700; font-size: 1.34rem; letter-spacing: -.02em;
  color: var(--text); line-height: 1;
}
.brand-word b { font-weight: 400; color: var(--text-2); }

/* =============================================================
   5. Buttons
   ============================================================= */
.btn {
  position: relative;
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: .82rem 1.5rem;
  border-radius: 100px;
  font-weight: 500; font-size: .95rem;
  transition: transform .5s var(--ease-out), background .3s var(--ease-out),
              color .3s var(--ease-out), box-shadow .5s var(--ease-out);
  will-change: transform;
}
.btn-lg { padding: 1.02rem 1.9rem; font-size: 1rem; }
.btn > span { position: relative; z-index: 1; }

.btn-primary {
  background: var(--green);
  color: #04120A;
  font-weight: 600;
  box-shadow: 0 10px 30px -12px rgba(31,182,92,.6);
}
.btn-primary:hover {
  background: var(--green-soft);
  box-shadow: 0 18px 44px -14px rgba(31,182,92,.7);
}
.btn-ghost {
  border: 1px solid var(--line-2);
  color: var(--text);
  background: rgba(255,255,255,.02);
}
.btn-ghost:hover { border-color: var(--blue); background: rgba(62,155,214,.08); }

/* =============================================================
   6. NAV
   ============================================================= */
.nav {
  position: fixed; inset: 0 0 auto 0; z-index: 800;
  height: var(--nav-h);
  transition: background .4s var(--ease-out), border-color .4s var(--ease-out), backdrop-filter .4s;
  border-bottom: 1px solid transparent;
}
.nav.is-stuck {
  background: rgba(10,22,38,.82);
  backdrop-filter: blur(16px) saturate(150%);
  -webkit-backdrop-filter: blur(16px) saturate(150%);
  border-bottom-color: var(--line);
}
.nav-inner {
  height: 100%; max-width: var(--maxw); margin-inline: auto;
  padding-inline: var(--gutter);
  display: flex; align-items: center; gap: 2rem;
}
.nav-links { display: none; gap: 2rem; margin-left: auto; }
.nav-links a {
  position: relative; font-size: .95rem; color: var(--text-2);
  transition: color .3s var(--ease-out); padding: .3rem 0;
}
.nav-links a::after {
  content: ""; position: absolute; left: 0; bottom: -2px; height: 1.5px; width: 0;
  background: var(--grad-brand); transition: width .4s var(--ease-out);
}
.nav-links a:hover { color: var(--text); }
.nav-links a:hover::after { width: 100%; }
.nav-cta { display: none; }
.nav-social { display: none; }
.nav-social svg { width: 18px; height: 18px; fill: currentColor; }
.nav-social:hover { color: var(--text); border-color: var(--blue); background: rgba(62, 155, 214, .10); transform: translateY(-2px); }

.nav-toggle {
  margin-left: auto; width: 44px; height: 44px;
  display: inline-flex; flex-direction: column; align-items: center; justify-content: center; gap: 5px;
}
.nav-toggle span { width: 22px; height: 2px; background: var(--text); border-radius: 2px; transition: transform .4s var(--ease-out), opacity .3s; }
.nav-toggle[aria-expanded="true"] span:first-child { transform: translateY(3.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:last-child { transform: translateY(-3.5px) rotate(-45deg); }

.nav-mobile {
  position: absolute; top: var(--nav-h); left: 0; right: 0;
  background: var(--bg);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 24px 50px -20px rgba(0,0,0,.7);
  display: grid; gap: .3rem; padding: 1rem var(--gutter) 1.6rem;
  transform: translateY(-12px); opacity: 0; pointer-events: none;
  transition: transform .4s var(--ease-out), opacity .3s;
}
.nav-mobile.is-open { transform: none; opacity: 1; pointer-events: auto; }
.nav-mobile a { padding: .8rem 0; color: var(--text-2); border-bottom: 1px solid var(--line); font-size: 1.05rem; }
.nav-mobile a.btn { border: 0; margin-top: .8rem; justify-content: center; color: #04120A; }

@media (min-width: 960px) {
  .nav-links { display: flex; }
  .nav-cta { display: inline-flex; }
  .nav-toggle { display: none; }
  .nav-social {
    display: inline-flex; align-items: center; justify-content: center;
    width: 38px; height: 38px; border-radius: 10px;
    border: 1px solid var(--line-2); color: var(--text-2);
    transition: color .3s var(--ease-out), border-color .3s var(--ease-out),
                background .3s var(--ease-out), transform .3s var(--ease-out);
  }
}

/* =============================================================
   7. SPLASH
   ============================================================= */
.splash {
  position: fixed; inset: 0; z-index: 2000;
  background: var(--bg);
  display: grid; place-content: center; justify-items: center; gap: 1.6rem;
  animation: splashSafety .01s 4.2s forwards;
}
.splash.is-out { animation: splashOut .8s var(--ease-out) forwards; }
@keyframes splashSafety { to { opacity: 0; pointer-events: none; visibility: hidden; } }
@keyframes splashOut {
  to { opacity: 0; pointer-events: none; visibility: hidden; clip-path: inset(0 0 100% 0); }
}
.splash-mark { display: flex; align-items: center; gap: .9rem; }
.splash .brand-icon { width: 46px; height: 46px; }
.splash-word { font-family: var(--sans); font-weight: 700; font-size: 1.9rem; letter-spacing: -.02em; }
.splash-word b { font-weight: 400; color: var(--text-2); }
.splash-bar { width: 180px; height: 3px; background: rgba(255,255,255,.08); border-radius: 3px; overflow: hidden; }
.splash-bar span { display: block; height: 100%; width: 0; background: var(--grad-brand); animation: splashLoad 1.6s var(--ease-out) forwards; }
@keyframes splashLoad { to { width: 100%; } }

/* =============================================================
   8. HERO
   ============================================================= */
.hero {
  position: relative;
  min-height: 100vh; min-height: 100svh;
  display: flex; align-items: center;
  padding: calc(var(--nav-h) + 3rem) 0 4rem;
  overflow: hidden;
}
.hero-mesh {
  position: absolute; inset: -20%; z-index: 0;
  background:
    radial-gradient(38% 44% at 22% 30%, rgba(31,182,92,.32), transparent 70%),
    radial-gradient(40% 46% at 82% 26%, rgba(62,155,214,.30), transparent 72%),
    radial-gradient(50% 50% at 60% 88%, rgba(23,80,120,.42), transparent 76%);
  filter: blur(60px) saturate(140%);
  animation: meshDrift 22s ease-in-out infinite;
}
@keyframes meshDrift {
  0%, 100% { transform: translate3d(0,0,0) scale(1) rotate(0deg); }
  50%      { transform: translate3d(2%, -1%, 0) scale(1.12) rotate(8deg); }
}
.hero-grid-lines {
  position: absolute; inset: 0; z-index: 0; opacity: .5;
  background-image:
    linear-gradient(var(--line) 1px, transparent 1px),
    linear-gradient(90deg, var(--line) 1px, transparent 1px);
  background-size: 64px 64px;
  -webkit-mask-image: radial-gradient(75% 65% at 50% 40%, #000 30%, transparent 80%);
  mask-image: radial-gradient(75% 65% at 50% 40%, #000 30%, transparent 80%);
}
.hero-grain {
  position: absolute; inset: 0; z-index: 1; opacity: .04; pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
.hero-inner {
  position: relative; z-index: 2;
  display: grid; gap: 3rem; align-items: center;
}
.hero-copy { max-width: 44rem; }
.hero-title {
  font-size: clamp(1.6rem, 3.6vw, 3rem);
  line-height: 1.08;
  letter-spacing: -.025em;
  margin: 1.2rem 0 1.4rem;
  text-wrap: balance;
}
.hero-title em { font-weight: 500; }
.hero-sub {
  font-size: clamp(1.02rem, 1.5vw, 1.2rem);
  color: var(--text-2); max-width: 34rem; line-height: 1.65;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: .9rem; margin: 2rem 0 2.2rem; }
.hero-trust { display: flex; align-items: center; gap: 1.2rem; }
.hero-rating { display: flex; align-items: center; gap: .6rem; font-size: .9rem; color: var(--text-2); }
.hero-rating .stars { color: var(--green-soft); letter-spacing: .1em; }
.hero-rating b { color: var(--text); font-weight: 600; }

/* Hero visual + floating cards */
.hero-visual { position: relative; }
.ph {
  position: relative; overflow: hidden;
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, rgba(31,182,92,.08), rgba(62,155,214,.08)),
    var(--bg-3);
  border: 1px solid var(--line-2);
  display: grid; place-content: center;
}
.ph::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    repeating-linear-gradient(45deg, rgba(255,255,255,.02) 0 12px, transparent 12px 24px);
}
.ph::after {
  content: "⛰"; font-size: 2.4rem; opacity: .22; position: absolute;
  filter: grayscale(1);
}
.ph-tag {
  position: relative; z-index: 1;
  font-family: var(--mono); font-size: .7rem; letter-spacing: .12em; text-transform: uppercase;
  color: var(--text-mute);
  border: 1px solid var(--line-2); border-radius: 100px;
  padding: .4rem .9rem; background: rgba(10,22,38,.6);
  margin-top: 3.2rem;
}
.ph-hero { aspect-ratio: 4/5; }

.hero-frame {
  position: relative;
  aspect-ratio: 4/5;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--line-2);
  box-shadow: 0 44px 100px -44px rgba(0,0,0,.85);
}
.hero-frame img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; }
.hero-frame::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(180deg, rgba(10,22,38,.10) 0%, transparent 30%, rgba(10,22,38,.45) 100%);
}

.hero-card {
  position: absolute; z-index: 3;
  background: rgba(13,29,51,.72);
  backdrop-filter: blur(14px) saturate(160%);
  -webkit-backdrop-filter: blur(14px) saturate(160%);
  border: 1px solid var(--line-2);
  border-radius: 14px;
  padding: 1rem 1.15rem;
  display: grid; gap: .35rem;
  box-shadow: 0 24px 60px -24px rgba(0,0,0,.7);
  min-width: 190px;
}
.hero-card-1 { top: -6%; left: -7%; }
.hero-card-2 { bottom: 8%; right: -9%; }
.hc-label { font-family: var(--mono); font-size: .66rem; letter-spacing: .12em; text-transform: uppercase; color: var(--text-mute); }
.hc-value { font-family: var(--serif); font-size: 1.5rem; font-style: italic; color: var(--green-soft); }
.hc-foot { font-size: .78rem; color: var(--text-2); }
.hc-bar { height: 7px; border-radius: 4px; background: rgba(255,255,255,.08); overflow: hidden; margin: .2rem 0; }
.hc-bar i { display: block; height: 100%; width: var(--w, 30%); background: var(--grad-brand); border-radius: 4px; }

.hero-scroll {
  position: absolute; bottom: 1.6rem; left: 50%; transform: translateX(-50%); z-index: 2;
  width: 26px; height: 42px; border: 1.5px solid var(--line-2); border-radius: 100px;
  display: grid; justify-items: center; padding-top: 8px;
}
.hero-scroll span { width: 4px; height: 8px; border-radius: 4px; background: var(--green-soft); animation: scrollDot 1.8s var(--ease-soft) infinite; }
@keyframes scrollDot { 0% { opacity: 0; transform: translateY(-3px); } 40% { opacity: 1; } 80%, 100% { opacity: 0; transform: translateY(10px); } }

@media (min-width: 960px) {
  .hero-inner { grid-template-columns: 1.15fr .85fr; gap: 4rem; }
}

/* =============================================================
   9. MARQUEE
   ============================================================= */
.marquee-wrap {
  border-block: 1px solid var(--line);
  background: var(--bg-2);
  padding: 1.15rem 0;
  overflow: hidden;
}
.marquee { overflow: hidden; }
.marquee-track {
  display: inline-flex; align-items: center; gap: 2.2rem; white-space: nowrap;
  animation: marquee 34s linear infinite; will-change: transform;
}
.marquee-track span { font-family: var(--serif); font-style: italic; font-size: 1.3rem; color: var(--text-2); }
.marquee-track .sep { color: var(--green); font-style: normal; font-size: .9rem; font-family: var(--sans); }
@keyframes marquee { to { transform: translateX(-50%); } }

/* =============================================================
   10. SECTIONS shared
   ============================================================= */
.section { position: relative; padding: clamp(4.5rem, 9vw, 8rem) 0; }
.section-head { max-width: 46rem; margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.section-title {
  font-size: clamp(1.9rem, 4.2vw, 3.3rem);
  margin-top: 1.1rem; letter-spacing: -.025em;
}
.section-lead { color: var(--text-2); font-size: 1.08rem; margin-top: 1.2rem; max-width: 40rem; }

/* =============================================================
   11. SERVICES
   ============================================================= */
.services-grid {
  display: grid; gap: 1.1rem;
  grid-template-columns: 1fr;
}
.service-card {
  position: relative; overflow: hidden;
  padding: 2rem 1.9rem 2.1rem;
  border-radius: var(--radius);
  background: var(--bg-3);
  border: 1px solid var(--line);
  transition: transform .5s var(--ease-out), border-color .5s var(--ease-out), background .5s var(--ease-out);
  transform-style: preserve-3d;
}
.service-card::before {
  content: ""; position: absolute; inset: 0; opacity: 0; transition: opacity .5s var(--ease-out);
  background: radial-gradient(60% 60% at var(--mx,50%) var(--my,0%), rgba(31,182,92,.16), transparent 70%);
  pointer-events: none;
}
.service-card:hover { border-color: var(--line-2); background: var(--bg-4); }
.service-card:hover::before { opacity: 1; }
.svc-n { font-family: var(--mono); font-size: .8rem; color: var(--green-soft); letter-spacing: .1em; }
.svc-icon {
  width: 52px; height: 52px; margin: 1.1rem 0 1.2rem;
  border-radius: 13px; display: grid; place-content: center;
  background: linear-gradient(140deg, rgba(31,182,92,.18), rgba(62,155,214,.14));
  border: 1px solid var(--line-2);
}
.svc-icon svg { width: 26px; height: 26px; stroke: var(--green-soft); fill: none; stroke-width: 1.6; }
.service-card h3 { font-size: 1.4rem; font-weight: 500; margin-bottom: .6rem; }
.service-card p { color: var(--text-2); font-size: .98rem; }

@media (min-width: 720px) { .services-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1100px) { .services-grid { grid-template-columns: repeat(4, 1fr); } }

/* =============================================================
   11.5 EDITORIAL BAND
   ============================================================= */
.editorial { padding-block: clamp(2.5rem, 5vw, 4rem); }
.editorial-band {
  position: relative;
  border-radius: 26px;
  overflow: hidden;
  border: 1px solid var(--line-2);
  min-height: 460px;
  display: grid;
  box-shadow: 0 40px 90px -46px rgba(0,0,0,.8);
}
.editorial-img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: left center; }
.editorial-band::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(90deg, rgba(10,22,38,.25) 0%, rgba(10,22,38,.55) 42%, rgba(10,22,38,.93) 74%);
}
.editorial-panel {
  position: relative; z-index: 1;
  align-self: center; justify-self: end;
  max-width: 30rem; margin-left: auto;
  padding: clamp(1.8rem, 4vw, 3.2rem);
}
.editorial-title { font-size: clamp(1.7rem, 3.4vw, 2.7rem); margin: 1rem 0 1.1rem; }
.editorial-panel p { color: var(--text-2); margin-bottom: 1.7rem; text-shadow: 0 1px 18px rgba(10,22,38,.6); }
@media (max-width: 700px) {
  .editorial-band { min-height: 520px; }
  .editorial-band::after { background: linear-gradient(180deg, rgba(10,22,38,.25) 0%, rgba(10,22,38,.55) 35%, rgba(10,22,38,.95) 72%); }
  .editorial-panel { align-self: end; justify-self: stretch; max-width: none; }
}

/* =============================================================
   12. ADVANTAGES (pinned horizontal showcase)
   ============================================================= */
.advantages { padding-bottom: clamp(4rem, 8vw, 7rem); }
.advantages-head { margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.advantages-grid { display: grid; gap: 1.2rem; grid-template-columns: 1fr; }
.adv-card {
  background: linear-gradient(180deg, var(--bg-3), var(--bg-2));
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 2rem 1.9rem 2.1rem;
  display: flex; flex-direction: column;
  position: relative; overflow: hidden;
  transition: border-color .5s var(--ease-out), transform .5s var(--ease-out);
  transform-style: preserve-3d;
}
.adv-card::before {
  content: ""; position: absolute; inset: 0; opacity: 0; transition: opacity .5s var(--ease-out);
  background: radial-gradient(55% 55% at var(--mx,50%) var(--my,0%), rgba(62,155,214,.16), transparent 70%);
  pointer-events: none;
}
.adv-card::after {
  content: ""; position: absolute; right: -40px; top: -40px; width: 150px; height: 150px;
  background: radial-gradient(circle, rgba(31,182,92,.12), transparent 70%);
  border-radius: 50%; pointer-events: none;
}
.adv-card:hover { border-color: var(--line-2); transform: translateY(-4px); }
.adv-card:hover::before { opacity: 1; }
.adv-n {
  font-family: var(--serif); font-style: italic; font-size: 2.8rem;
  background: var(--grad-brand); -webkit-background-clip: text; background-clip: text; color: transparent;
  line-height: 1; margin-bottom: 1.1rem;
}
.adv-card h3 { font-size: 1.4rem; font-weight: 500; margin-bottom: .7rem; }
.adv-card p { color: var(--text-2); font-size: .98rem; }
@media (min-width: 700px)  { .advantages-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1040px) { .advantages-grid { grid-template-columns: repeat(3, 1fr); } }

/* =============================================================
   13. STATS
   ============================================================= */
.stats-section { padding-block: clamp(3rem, 6vw, 5rem); }
.stats-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 1px;
  background: var(--line); border: 1px solid var(--line);
  border-radius: var(--radius); overflow: hidden;
}
.stat { background: var(--bg); padding: 2.2rem 1.6rem; text-align: center; }
.stat-value {
  font-family: var(--serif); font-size: clamp(2.4rem, 5vw, 3.6rem); font-weight: 500;
  background: var(--grad-brand); -webkit-background-clip: text; background-clip: text; color: transparent;
  line-height: 1;
}
.stat-label { color: var(--text-2); font-size: .92rem; margin-top: .6rem; }
@media (min-width: 860px) { .stats-grid { grid-template-columns: repeat(4, 1fr); } }

/* =============================================================
   13b. OBLIGATORIEDAD (tabla de umbrales)
   ============================================================= */
.obligatoriedad .section-head { max-width: 52rem; }
.obligatoriedad .section-lead strong { color: var(--text); font-weight: 600; }

.oblig-table {
  margin-top: clamp(2rem, 4vw, 3rem);
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
.oblig-row {
  display: grid;
  grid-template-columns: minmax(0, 1.8fr) 1fr 1.15fr;
  align-items: center;
  gap: 1.5rem;
  padding: clamp(1.15rem, 2.4vw, 1.7rem) clamp(1.15rem, 2.6vw, 2rem);
  border-top: 1px solid var(--line);
  transition: background .35s var(--ease-out);
}
.oblig-row:not(.oblig-head):hover { background: var(--bg-3); }

/* Cabecera */
.oblig-head {
  border-top: 0;
  background: var(--bg-4);
  box-shadow: inset 0 -2px 0 0 var(--navy-line);
  font-family: var(--mono);
  font-size: .72rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--text-2);
}
.oblig-head i {
  display: block; margin-top: .28rem;
  font-style: normal; text-transform: none; letter-spacing: .02em;
  font-size: .72rem; color: var(--text-mute);
}

/* Columna tipo de sociedad */
.oblig-tipo { display: flex; gap: .95rem; align-items: flex-start; }
.oblig-ic {
  flex: none; width: 46px; height: 46px; border-radius: 13px;
  display: grid; place-items: center;
  background: rgba(63, 208, 124, .10);
  border: 1px solid var(--line-2);
  color: var(--green-soft);
}
.oblig-ic svg { width: 23px; height: 23px; fill: none; stroke: currentColor; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.oblig-tipo p { color: var(--text-2); font-size: .97rem; line-height: 1.5; }
.oblig-tipo b { color: var(--text); font-weight: 600; }

/* Columnas de valores */
.oblig-sbu { display: flex; align-items: baseline; gap: .45rem; flex-wrap: wrap; }
.oblig-num {
  font-family: var(--serif); font-weight: 500; line-height: 1.05;
  font-size: clamp(1.6rem, 3vw, 2.1rem); color: var(--text);
}
.oblig-usd .oblig-num {
  font-size: clamp(1.3rem, 2.4vw, 1.75rem);
  background: var(--grad-brand);
  -webkit-background-clip: text; background-clip: text;
  color: transparent; -webkit-text-fill-color: transparent;
}
.oblig-unit { font-family: var(--mono); font-size: .8rem; letter-spacing: .08em; color: var(--text-mute); text-transform: uppercase; }
.oblig-txt { font-size: .95rem; line-height: 1.45; font-weight: 500; color: var(--text-2); }

.oblig-note { margin-top: 1.2rem; color: var(--text-mute); font-size: .84rem; line-height: 1.6; max-width: 52rem; }

@media (max-width: 780px) {
  .oblig-head { display: none; }
  .oblig-row { grid-template-columns: 1fr; gap: 1rem; padding: 1.35rem 1.25rem; }
  .oblig-sbu, .oblig-usd {
    justify-content: space-between; align-items: center;
    padding-top: .85rem; border-top: 1px dashed var(--line);
  }
  .oblig-sbu::before, .oblig-usd::before {
    content: attr(data-label);
    font-family: var(--mono); font-size: .68rem; letter-spacing: .08em;
    text-transform: uppercase; color: var(--text-mute);
  }
  .oblig-txt { text-align: right; max-width: 60%; }
}

/* =============================================================
   14. PROCESS
   ============================================================= */
.process-grid { display: grid; gap: 1.1rem; grid-template-columns: 1fr; counter-reset: step; }
.process-step {
  display: flex; gap: 1.4rem; align-items: flex-start;
  padding: 1.6rem 1.7rem; border-radius: var(--radius);
  background: var(--bg-2); border: 1px solid var(--line);
  transition: border-color .4s var(--ease-out), transform .4s var(--ease-out);
}
.process-step:hover { border-color: var(--line-2); transform: translateX(4px); }
.ps-n {
  flex: none; font-family: var(--mono); font-size: .95rem; font-weight: 500;
  width: 48px; height: 48px; border-radius: 50%;
  display: grid; place-content: center;
  color: var(--green-soft); border: 1px solid var(--line-2);
  background: rgba(31,182,92,.06);
}
.process-step h3 { font-size: 1.22rem; font-weight: 500; margin-bottom: .35rem; }
.process-step p { color: var(--text-2); font-size: .96rem; }
@media (min-width: 720px) { .process-grid { grid-template-columns: 1fr 1fr; } }

/* =============================================================
   15. TESTIMONIALS
   ============================================================= */
.testimonials-grid { display: grid; gap: 1.2rem; grid-template-columns: 1fr; }
.tst-card {
  padding: 2.1rem 2rem; border-radius: var(--radius);
  background: var(--bg-3); border: 1px solid var(--line);
  display: flex; flex-direction: column; gap: 1.4rem;
  position: relative; transition: border-color .4s var(--ease-out), transform .4s var(--ease-out);
}
.tst-card:hover { border-color: var(--line-2); transform: translateY(-4px); }
.tst-quote-mark { font-family: var(--serif); font-size: 3.4rem; line-height: .5; color: var(--green); height: 1.6rem; }
.tst-quote { font-family: var(--serif); font-size: 1.16rem; line-height: 1.5; color: var(--text); font-weight: 400; }
.tst-foot { display: flex; align-items: center; gap: .9rem; margin-top: auto; }
.tst-avatar {
  width: 46px; height: 46px; border-radius: 50%; flex: none;
  background: linear-gradient(140deg, var(--green-2), var(--blue));
  display: grid; place-content: center; color: #04120A; font-weight: 600; font-size: 1rem;
  border: 1px solid var(--line-2);
}
.tst-author { font-weight: 600; font-size: .96rem; }
.tst-role { color: var(--text-mute); font-size: .82rem; }
@media (min-width: 720px)  { .testimonials-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1040px) { .testimonials-grid { grid-template-columns: repeat(3, 1fr); } }

/* =============================================================
   16. CONTACT
   ============================================================= */
.contact { overflow: hidden; }
.contact-mesh {
  position: absolute; inset: 0; z-index: 0; opacity: .8;
  background:
    radial-gradient(40% 50% at 15% 20%, rgba(31,182,92,.18), transparent 70%),
    radial-gradient(45% 55% at 85% 80%, rgba(62,155,214,.18), transparent 72%);
  filter: blur(50px);
}
.contact-inner {
  position: relative; z-index: 1;
  display: grid; gap: 3rem; align-items: start;
}
.contact-figure {
  margin-top: 2rem;
  aspect-ratio: 16/10;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--line-2);
  box-shadow: 0 30px 70px -42px rgba(0,0,0,.75);
}
.contact-figure img { width: 100%; height: 100%; object-fit: cover; }
.contact-list { margin-top: 1.6rem; display: grid; gap: 1.1rem; }
.contact-list li { display: flex; flex-direction: column; gap: .15rem; padding-bottom: 1.1rem; border-bottom: 1px solid var(--line); }
.cl-label { font-family: var(--mono); font-size: .68rem; letter-spacing: .14em; text-transform: uppercase; color: var(--text-mute); }
.contact-list a, .contact-list span:not(.cl-label) { font-size: 1.1rem; color: var(--text); transition: color .3s; }
.contact-list a:hover { color: var(--green-soft); }

.contact-form {
  background: rgba(13,29,51,.6);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border: 1px solid var(--line-2);
  border-radius: 24px;
  padding: clamp(1.6rem, 3vw, 2.4rem);
  display: grid; gap: 1.1rem; grid-template-columns: 1fr 1fr;
}
.field { position: relative; }
.field-full { grid-column: 1 / -1; }
.field input, .field textarea, .field select {
  width: 100%; padding: 1.25rem 1rem .6rem;
  background: var(--bg-2); border: 1px solid var(--line);
  border-radius: 12px; color: var(--text); font: inherit;
  transition: border-color .3s var(--ease-out), background .3s;
  outline: none;
}
.field textarea { padding-top: 1rem; resize: vertical; min-height: 110px; }
.field select { padding: 1rem; color: var(--text-2); appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none' stroke='%237089A3' stroke-width='1.6'%3E%3Cpath d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 1rem center;
}
.field input:focus, .field textarea:focus, .field select:focus { border-color: var(--green); background: var(--bg-3); }
.field label {
  position: absolute; left: 1rem; top: .95rem;
  color: var(--text-mute); font-size: 1rem; pointer-events: none;
  transition: transform .25s var(--ease-out), color .25s, font-size .25s;
}
.field input:focus + label, .field input:not(:placeholder-shown) + label,
.field textarea:focus + label, .field textarea:not(:placeholder-shown) + label {
  transform: translateY(-.7rem); font-size: .68rem; color: var(--green-soft); letter-spacing: .06em;
}
.field .label-static { position: absolute; left: 1rem; top: -.5rem; background: var(--bg-2); padding: 0 .4rem; font-size: .66rem; text-transform: uppercase; letter-spacing: .1em; color: var(--text-mute); }
.btn-submit { grid-column: 1 / -1; margin-top: .4rem; overflow: hidden; }
.bs-check { width: 22px; height: 22px; stroke: #04120A; fill: none; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round;
  stroke-dasharray: 30; stroke-dashoffset: 30; display: none; }
.contact-form.is-done .btn-submit { background: var(--green-soft); }
.contact-form.is-done .bs-label { display: none; }
.contact-form.is-done .bs-check { display: block; animation: drawCheck .5s var(--ease-out) forwards; }
@keyframes drawCheck { to { stroke-dashoffset: 0; } }
.form-note { grid-column: 1 / -1; font-size: .78rem; color: var(--text-mute); text-align: center; }

@media (min-width: 900px) { .contact-inner { grid-template-columns: 1fr 1.05fr; gap: 4rem; } }

/* =============================================================
   17. FOOTER
   ============================================================= */
.footer { border-top: 1px solid var(--line); background: var(--bg-2); padding-top: clamp(3rem, 6vw, 5rem); }
.footer-inner { display: grid; gap: 3rem; padding-bottom: 3rem; }
.footer-sub { font-family: var(--mono); font-size: .76rem; letter-spacing: .1em; text-transform: uppercase; color: var(--text-mute); margin: 1rem 0 .8rem; }
.footer-sub .sep { color: var(--green); }
.footer-desc { color: var(--text-2); font-size: .95rem; max-width: 26rem; }
.footer-social { margin-top: 1.3rem; }
.social-btn {
  display: inline-flex; align-items: center; gap: .55rem;
  padding: .55rem .95rem; border-radius: 999px;
  border: 1px solid var(--line-2); color: var(--text-2);
  font-size: .9rem; font-weight: 500;
  transition: color .3s var(--ease-out), border-color .3s var(--ease-out), background .3s var(--ease-out), transform .3s var(--ease-out);
}
.social-btn svg { width: 18px; height: 18px; fill: currentColor; }
.social-btn:hover {
  color: var(--text); border-color: var(--blue);
  background: rgba(62, 155, 214, .10); transform: translateY(-2px);
}
.footer-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
.footer-col h4 { font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; color: var(--text-mute); font-family: var(--mono); font-weight: 500; margin-bottom: 1rem; }
.footer-col a, .footer-col span { display: block; color: var(--text-2); font-size: .95rem; padding: .3rem 0; transition: color .3s; }
.footer-col a:hover { color: var(--green-soft); }
.footer-bottom {
  display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between;
  padding: 1.6rem 0; border-top: 1px solid var(--line);
  font-size: .82rem; color: var(--text-mute);
}
.footer-legal a:hover { color: var(--text-2); }
@media (min-width: 720px) { .footer-inner { grid-template-columns: 1.2fr 1.4fr; } .footer-cols { grid-template-columns: repeat(3, 1fr); } }

/* =============================================================
   18. Reveal / split animation states
   ============================================================= */
[data-reveal] { opacity: 0; transform: translateY(26px); transition: opacity .9s var(--ease-out), transform .9s var(--ease-out); }
[data-reveal].is-in { opacity: 1; transform: none; }

/* defensive: elements that split must stay visible even if JS fails */
[data-split] { opacity: 1; }
.split-line { display: inline-block; overflow: hidden; }
.split-line > span { display: inline-block; transform: translateY(110%); transition: transform .9s var(--ease-out); }
.is-in .split-line > span, [data-split].is-in .split-line > span { transform: none; }

.is-in-stagger > * { opacity: 0; transform: translateY(22px); }

/* =============================================================
   19. Reduced motion — gate ONLY intrusive effects
   ============================================================= */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .hero-mesh, .contact-mesh { animation: none; }
  .marquee-track { animation-duration: 90s; }
  .kicker .dot { animation: none; }
  .hero-scroll span { animation: none; }
  .splash-bar span { animation-duration: .6s; }
  /* keep: reveals, hovers, tilt, count-up, form check, grad */
}

/* =============================================================
   20. CHAT — asistente de soporte (widget)
   ============================================================= */
.dfc { position: fixed; right: clamp(1rem, 3vw, 2rem); bottom: clamp(1rem, 3vw, 2rem); z-index: 1200; }

.dfc-launch {
  position: relative; width: 62px; height: 62px; border-radius: 50%;
  display: grid; place-content: center;
  background: var(--grad-brand); color: #04120A;
  box-shadow: 0 16px 40px -10px rgba(31,182,92,.55), 0 4px 12px rgba(0,0,0,.4);
  transition: transform .4s var(--ease-out), box-shadow .4s var(--ease-out);
}
.dfc-launch:hover { transform: translateY(-3px) scale(1.05); box-shadow: 0 22px 52px -12px rgba(31,182,92,.7); }
.dfc-launch svg { width: 28px; height: 28px; fill: none; stroke: #04120A; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; grid-area: 1/1; transition: opacity .25s var(--ease-out), transform .3s var(--ease-out); }
.dfc-launch .dfc-ic-chat circle { fill: #04120A; stroke: none; }
.dfc-launch .dfc-ic-close { opacity: 0; transform: rotate(-90deg); }
.dfc.is-open .dfc-launch .dfc-ic-chat { opacity: 0; transform: rotate(90deg); }
.dfc.is-open .dfc-launch .dfc-ic-close { opacity: 1; transform: rotate(0); }
.dfc-launch::after {
  content: ""; position: absolute; inset: 0; border-radius: 50%;
  border: 2px solid var(--green-soft); opacity: .7;
  animation: dfcPulse 2.6s var(--ease-soft) infinite;
}
@keyframes dfcPulse { 0% { transform: scale(1); opacity: .6; } 70% { transform: scale(1.5); opacity: 0; } 100% { opacity: 0; } }

.dfc-panel {
  position: absolute; right: 0; bottom: 78px;
  width: min(92vw, 384px); height: min(72vh, 560px);
  display: flex; flex-direction: column;
  background: var(--bg-2);
  border: 1px solid var(--line-2); border-radius: 20px;
  box-shadow: 0 40px 90px -30px rgba(0,0,0,.85);
  overflow: hidden;
  transform-origin: bottom right;
  transform: translateY(14px) scale(.96); opacity: 0;
  pointer-events: none;              /* cerrado: invisible y SIN capturar toques */
  transition: transform .32s var(--ease-out), opacity .28s var(--ease-out);
}
.dfc.is-open .dfc-panel { transform: none; opacity: 1; pointer-events: auto; }

.dfc-head {
  display: flex; align-items: center; gap: .7rem;
  padding: .85rem 1rem; border-bottom: 1px solid var(--line);
  background: linear-gradient(180deg, var(--bg-3), var(--bg-2));
}
.dfc-avatar { width: 38px; height: 38px; flex: none; border-radius: 10px; background: var(--bg); border: 1px solid var(--line-2); display: grid; place-content: center; }
.dfc-avatar svg { width: 24px; height: 24px; }
.dfc-bi-bar { fill: #35608F; } .dfc-bi-green { fill: var(--green); } .dfc-bi-blue { fill: none; stroke: var(--blue); stroke-width: 3.4; }
.dfc-head-txt { display: flex; flex-direction: column; line-height: 1.2; }
.dfc-head-txt b { font-size: .98rem; font-weight: 600; color: var(--text); }
.dfc-head-txt i { font-style: normal; font-size: .72rem; color: var(--text-mute); }
.dfc-min { margin-left: auto; width: 34px; height: 34px; border-radius: 8px; display: grid; place-content: center; color: var(--text-2); transition: background .25s, color .25s; }
.dfc-min:hover { background: rgba(255,255,255,.06); color: var(--text); }
.dfc-min svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; }

.dfc-log { flex: 1; overflow-y: auto; padding: 1rem; display: flex; flex-direction: column; gap: .7rem; scroll-behavior: smooth; }
.dfc-log::-webkit-scrollbar { width: 7px; }
.dfc-log::-webkit-scrollbar-thumb { background: var(--line-2); border-radius: 7px; }

.dfc-msg { max-width: 86%; padding: .7rem .9rem; border-radius: 14px; font-size: .92rem; line-height: 1.5; animation: dfcIn .35s var(--ease-out); }
.dfc-msg p { margin: 0; } .dfc-msg p + p { margin-top: .5rem; }
.dfc-msg ul { margin: .3rem 0 .3rem 1rem; padding: 0; list-style: disc; }
.dfc-msg strong { color: var(--text); font-weight: 600; }
.dfc-bot { align-self: flex-start; background: var(--bg-3); border: 1px solid var(--line); color: var(--text-2); border-bottom-left-radius: 5px; }
.dfc-bot strong { color: var(--green-soft); }
.dfc-user { align-self: flex-end; background: var(--grad-brand); color: #04120A; border-bottom-right-radius: 5px; font-weight: 500; }
@keyframes dfcIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

.dfc-chips { display: flex; flex-direction: column; gap: .45rem; align-items: flex-start; margin-top: .2rem; }
.dfc-chip {
  text-align: left; font-size: .82rem; color: var(--green-soft);
  border: 1px solid var(--line-2); border-radius: 100px; padding: .5rem .85rem;
  background: rgba(31,182,92,.06); transition: background .25s var(--ease-out), border-color .25s;
}
.dfc-chip:hover { background: rgba(31,182,92,.14); border-color: var(--green); }

.dfc-dots { display: inline-flex; gap: 4px; padding: .1rem 0; }
.dfc-dots i { width: 7px; height: 7px; border-radius: 50%; background: var(--text-mute); animation: dfcBounce 1.2s infinite; }
.dfc-dots i:nth-child(2) { animation-delay: .15s; } .dfc-dots i:nth-child(3) { animation-delay: .3s; }
@keyframes dfcBounce { 0%, 60%, 100% { transform: translateY(0); opacity: .5; } 30% { transform: translateY(-5px); opacity: 1; } }

.dfc-form { display: flex; align-items: flex-end; gap: .5rem; padding: .7rem; border-top: 1px solid var(--line); background: var(--bg-2); }
.dfc-input {
  flex: 1; resize: none; max-height: 120px; font: inherit; font-size: .92rem;
  padding: .6rem .8rem; border-radius: 12px; color: var(--text);
  background: var(--bg); border: 1px solid var(--line); outline: none;
  transition: border-color .25s;
}
.dfc-input:focus { border-color: var(--green); }
.dfc-send { flex: none; width: 42px; height: 42px; border-radius: 11px; display: grid; place-content: center; background: var(--green); color: #04120A; transition: background .25s, transform .25s; }
.dfc-send:hover { background: var(--green-soft); }
.dfc-send svg { width: 20px; height: 20px; fill: currentColor; }
.dfc.is-busy .dfc-send { opacity: .5; pointer-events: none; }

.dfc-disclaimer { font-size: .68rem; color: var(--text-mute); text-align: center; padding: 0 1rem .6rem; }
.dfc-disclaimer a { color: var(--text-2); text-decoration: underline; }

@media (max-width: 480px) {
  .dfc-panel { width: calc(100vw - 2rem); height: min(76vh, 540px); }
}
@media (prefers-reduced-motion: reduce) {
  .dfc-launch::after { animation: none; opacity: 0; }
  .dfc-dots i { animation-duration: 1.6s; }
}