/* ==========================================================================
   FOMENTO PERSONAL, S.A. DE C.V. - HOJA DE ESTILOS CORPORATIVA
   Landing Page Financiera & Fintech Regulada (Querétaro, Qro.)
   ========================================================================== */

/* 1. VARIABLES GLOBALES (:root) - PALETA DE FOMENTO PERSONAL */
:root {
  /* Colores extraídos y armonizados con el Logotipo Oficial */
  --primary-color: #0c6274;       /* Deep Teal / Azul Petróleo institucional */
  --primary-hover: #074b59;
  --primary-dark: #05333d;
  --primary-light: #e6f4f7;
  --primary-gradient: linear-gradient(135deg, #0c6274 0%, #063c47 100%);
  
  --secondary-color: #f5a623;     /* Dorado Ámbar / Prosperidad */
  --secondary-hover: #df8e10;
  --secondary-light: #fef7ec;
  --secondary-gradient: linear-gradient(135deg, #f5a623 0%, #d97706 100%);
  
  --accent-color: #00a86b;        /* Verde Éxito / Liquidez */
  --accent-hover: #008a57;
  --accent-light: #e6f7f0;
  
  --danger-color: #ef4444;
  --warning-color: #f59e0b;
  --info-color: #0284c7;

  /* Fondos y Textos */
  --bg-light: #f8fafc;
  --bg-white: #ffffff;
  --bg-dark: #071e26;            /* Azul marino petróleo oscuro para footer */
  --bg-card: #ffffff;
  --text-dark: #0f2730;
  --text-muted: #59717a;
  --text-light: #f8fafc;
  
  /* Bordes, Sombras y Radios */
  --border-color: #e2e8f0;
  --border-focus: #0c6274;
  
  --shadow-sm: 0 1px 3px rgba(12, 98, 116, 0.06), 0 1px 2px rgba(0, 0, 0, 0.04);
  --shadow-md: 0 4px 12px -2px rgba(12, 98, 116, 0.08), 0 2px 6px -1px rgba(0, 0, 0, 0.04);
  --shadow-lg: 0 12px 24px -4px rgba(12, 98, 116, 0.12), 0 4px 8px -2px rgba(0, 0, 0, 0.04);
  --shadow-xl: 0 20px 35px -5px rgba(12, 98, 116, 0.15), 0 10px 15px -5px rgba(0, 0, 0, 0.06);
  
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 9999px;
  
  /* Tipografía y Espaciado */
  --font-main: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --transition-normal: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  --container-max-width: 1220px;
}

/* 2. RESET Y BASES */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-main);
  background-color: var(--bg-light);
  color: var(--text-dark);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition-normal);
}

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
}

/* 3. UTILIDADES */
.container {
  width: 100%;
  max-width: var(--container-max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

.section-padding {
  padding-top: 5rem;
  padding-bottom: 5rem;
}

.text-center { text-align: center; }
.text-left { text-align: left; }
.text-primary { color: var(--primary-color); }
.text-secondary { color: var(--secondary-color); }
.text-accent { color: var(--accent-color); }

.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 0.95rem;
  border-radius: var(--radius-full);
  font-size: 0.825rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

.badge-primary {
  background-color: var(--primary-light);
  color: var(--primary-color);
}

.badge-secondary {
  background-color: var(--secondary-light);
  color: var(--secondary-color);
  border: 1px solid rgba(245, 166, 35, 0.2);
}

.badge-accent {
  background-color: var(--accent-light);
  color: var(--accent-color);
}

.section-header {
  max-width: 720px;
  margin: 0 auto 3.5rem auto;
  text-align: center;
}

.section-header h2 {
  font-size: 2.35rem;
  font-weight: 800;
  color: var(--primary-color);
  margin-top: 0.75rem;
  margin-bottom: 1rem;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

.section-header p {
  color: var(--text-muted);
  font-size: 1.1rem;
}

/* 4. BOTONES */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  font-weight: 700;
  padding: 0.9rem 1.85rem;
  border-radius: var(--radius-md);
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition-normal);
  text-align: center;
  font-size: 1rem;
  line-height: 1;
}

.btn-primary {
  background-color: var(--primary-color);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(12, 98, 116, 0.25);
}

.btn-primary:hover {
  background-color: var(--primary-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(12, 98, 116, 0.35);
}

.btn-secondary {
  background: var(--secondary-gradient);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(245, 166, 35, 0.3);
}

.btn-secondary:hover {
  background: linear-gradient(135deg, #df8e10 0%, #b45309 100%);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(245, 166, 35, 0.45);
}

.btn-accent {
  background-color: var(--accent-color);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(0, 168, 107, 0.25);
}

.btn-accent:hover {
  background-color: var(--accent-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 168, 107, 0.35);
}

.btn-outline {
  background-color: transparent;
  border-color: var(--primary-color);
  color: var(--primary-color);
}

.btn-outline:hover {
  background-color: var(--primary-light);
}

.btn-outline-white {
  background-color: transparent;
  border-color: rgba(255, 255, 255, 0.4);
  color: #ffffff;
}

.btn-outline-white:hover {
  background-color: rgba(255, 255, 255, 0.15);
  border-color: #ffffff;
}

.btn-block { width: 100%; }
.btn-sm { padding: 0.6rem 1.15rem; font-size: 0.875rem; }

/* 5. TOP BAR INFORMATIVA Y REGULATORIA */
.top-notice-bar {
  background-color: var(--primary-dark);
  color: #d1e5ea;
  font-size: 0.775rem;
  padding: 0.45rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.top-notice-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.top-notice-text {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.top-notice-links {
  display: flex;
  gap: 1rem;
}

.top-notice-links a {
  color: var(--secondary-color);
  text-decoration: underline;
}

.top-notice-links a:hover {
  color: #ffffff;
}

/* 6. ENCABEZADO (HEADER & NAVBAR) */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-color);
  transition: var(--transition-normal);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 82px;
}

.logo-container {
  display: flex;
  align-items: center;
  text-decoration: none;
}

.brand-logo {
  height: 52px;
  max-height: 56px;
  width: auto;
  object-fit: contain;
  transition: var(--transition-normal);
}

.footer-logo {
  background-color: #ffffff;
  padding: 8px 16px;
  border-radius: var(--radius-md);
  height: 56px;
  display: inline-block;
  box-shadow: var(--shadow-sm);
}

.logo-fallback {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.logo-icon-fallback {
  width: 44px;
  height: 44px;
  background: var(--primary-gradient);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--secondary-color);
  box-shadow: var(--shadow-sm);
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.logo-title {
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--primary-color);
  line-height: 1.1;
}

.logo-highlight {
  color: var(--secondary-color);
  margin-left: 0.25rem;
}

.logo-subtitle {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  text-transform: uppercase;
}

/* Navegación */
.nav-menu {
  display: flex;
  align-items: center;
  list-style: none;
  gap: 1.75rem;
}

.nav-link {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-dark);
  position: relative;
  padding: 0.5rem 0;
}

.nav-link:hover {
  color: var(--primary-color);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0%;
  height: 2.5px;
  background-color: var(--primary-color);
  transition: var(--transition-normal);
  border-radius: 2px;
}

.nav-link:hover::after {
  width: 100%;
}

.nav-link-btn {
  background: var(--secondary-gradient);
  color: #ffffff !important;
  padding: 0.6rem 1.35rem !important;
  border-radius: var(--radius-md);
  box-shadow: 0 4px 12px rgba(245, 166, 35, 0.3);
  font-weight: 700 !important;
  transition: var(--transition-normal);
}

.nav-link-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(245, 166, 35, 0.45);
}

.nav-link-btn::after {
  display: none !important;
}

.nav-actions {
  display: none;
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  color: var(--primary-color);
}

.mobile-toggle svg {
  width: 28px;
  height: 28px;
}

/* 7. HERO SECTION ("PRÉSTAMO PERSONAL DE VOLADA") */
.hero {
  position: relative;
  background: radial-gradient(circle at top right, rgba(245, 166, 35, 0.08) 0%, transparent 45%),
              radial-gradient(circle at bottom left, rgba(12, 98, 116, 0.07) 0%, transparent 45%),
              #ffffff;
  padding: 4.5rem 0 5.5rem 0;
  overflow: hidden;
  border-bottom: 1px solid var(--border-color);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 3.5rem;
  align-items: center;
}

.hero-content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.hero-title {
  font-size: 3.1rem;
  font-weight: 800;
  color: var(--primary-color);
  line-height: 1.15;
  margin-top: 1rem;
  margin-bottom: 1.25rem;
  letter-spacing: -0.03em;
}

.hero-title .highlight {
  color: var(--secondary-color);
  display: inline-block;
  position: relative;
}

.hero-description {
  font-size: 1.15rem;
  color: var(--text-muted);
  margin-bottom: 2rem;
  max-width: 580px;
  line-height: 1.6;
}

.hero-cta-group {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}

/* Métricas de Impacto (Ayneca Stats Replicadas) */
.hero-metrics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  width: 100%;
  padding-top: 2rem;
  border-top: 1px solid var(--border-color);
}

.metric-card {
  background-color: var(--bg-light);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-color);
  text-align: center;
}

.metric-number {
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--primary-color);
  line-height: 1.1;
  margin-bottom: 0.25rem;
}

.metric-number .metric-accent {
  color: var(--secondary-color);
}

.metric-label {
  font-size: 0.775rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

/* Tarjeta Hero Visual */
.hero-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(226, 232, 240, 0.9);
  position: relative;
}

.hero-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.5rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--border-color);
}

.hero-card-title {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--primary-color);
}

.hero-benefits-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  margin-bottom: 2rem;
}

.hero-benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--text-dark);
}

.hero-benefit-item svg {
  color: var(--accent-color);
  flex-shrink: 0;
  margin-top: 0.2rem;
}

/* 8. SIMULADOR DE PRÉSTAMO INTERACTIVO (TASAS Y FÓRMULAS AYNECA) */
.simulator-section {
  background-color: #ffffff;
}

.simulator-wrapper {
  background: var(--bg-light);
  border-radius: var(--radius-xl);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
}

.simulator-controls {
  padding: 3rem;
  background-color: #ffffff;
}

.sim-group {
  margin-bottom: 2.25rem;
}

.sim-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1rem;
}

.sim-label {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-dark);
}

.sim-amount-badge {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--primary-color);
  background-color: var(--primary-light);
  padding: 0.35rem 1.1rem;
  border-radius: var(--radius-md);
  letter-spacing: -0.02em;
}

/* Custom Range Slider */
.slider-container {
  position: relative;
  margin: 1.5rem 0 0.75rem 0;
}

.custom-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 10px;
  border-radius: 5px;
  background: #cbd5e1;
  outline: none;
  cursor: pointer;
  transition: var(--transition-normal);
}

.custom-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--secondary-color);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(245, 166, 35, 0.4);
  border: 3px solid #ffffff;
  transition: transform 0.15s ease;
}

.custom-range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.range-marks {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--text-muted);
  font-weight: 600;
  margin-top: 0.5rem;
}

/* Frecuencias (Semanal, Quincenal, Mensual) */
.frequency-tabs-3 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.5rem;
  background-color: var(--bg-light);
  padding: 0.35rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-color);
}

.freq-btn {
  padding: 0.75rem 0.5rem;
  border: none;
  background: transparent;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--text-muted);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: var(--transition-normal);
  text-align: center;
}

.freq-btn.active {
  background-color: #ffffff;
  color: var(--primary-color);
  box-shadow: var(--shadow-sm);
  font-weight: 800;
}

/* Plazos Slider & Presets */
.term-slider-wrap {
  margin-top: 1rem;
}

.term-presets-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.5rem;
  margin-top: 1rem;
}

.term-preset-btn {
  padding: 0.5rem 0.25rem;
  background-color: var(--bg-light);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  font-size: 0.825rem;
  font-weight: 700;
  color: var(--text-dark);
  cursor: pointer;
  transition: var(--transition-normal);
}

.term-preset-btn:hover {
  border-color: var(--primary-color);
}

.term-preset-btn.active {
  background-color: var(--primary-light);
  border-color: var(--primary-color);
  color: var(--primary-color);
}

/* Resultados del Simulador */
.simulator-results {
  background: var(--primary-gradient);
  color: #ffffff;
  padding: 3rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
}

.results-header {
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
  padding-bottom: 1.5rem;
  margin-bottom: 1.75rem;
}

.results-header h3 {
  font-size: 1.35rem;
  font-weight: 800;
  margin-bottom: 0.35rem;
}

.results-header p {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.75);
}

.payment-highlight {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  margin-bottom: 1.75rem;
  text-align: center;
  backdrop-filter: blur(10px);
}

.payment-label {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: rgba(255, 255, 255, 0.85);
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.payment-amount {
  font-size: 2.85rem;
  font-weight: 800;
  color: var(--secondary-color);
  line-height: 1;
  margin-bottom: 0.35rem;
  letter-spacing: -0.03em;
}

.payment-frequency-text {
  font-size: 0.875rem;
  color: #ffffff;
  font-weight: 600;
}

.breakdown-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 2rem;
}

.breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.85);
}

.breakdown-row.strong {
  font-weight: 700;
  color: #ffffff;
  padding-top: 0.6rem;
  border-top: 1px dashed rgba(255, 255, 255, 0.2);
}

.sim-legal-note {
  font-size: 0.725rem;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.45;
  margin-top: 1rem;
  text-align: center;
}

/* 9. PROCESO EN 4 PASOS (REPLICADO DE AYNECA) */
.steps-section {
  background-color: var(--bg-light);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.75rem;
  position: relative;
}

.step-card {
  background-color: #ffffff;
  padding: 2.25rem 1.75rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: var(--transition-normal);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  position: relative;
}

.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: var(--primary-color);
}

.step-badge-number {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--primary-gradient);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  font-weight: 800;
  margin-bottom: 1.5rem;
  box-shadow: 0 4px 10px rgba(12, 98, 116, 0.25);
}

.step-card h3 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 0.75rem;
}

.step-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.55;
}

/* 10. BENEFICIOS / VALORES (AYNECA PILLARS) */
.benefits-section {
  background-color: #ffffff;
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.75rem;
}

.benefit-card {
  background-color: var(--bg-light);
  padding: 2rem 1.5rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  transition: var(--transition-normal);
}

.benefit-card:hover {
  background-color: #ffffff;
  border-color: var(--secondary-color);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.benefit-icon-box {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background-color: var(--primary-light);
  color: var(--primary-color);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.benefit-card:nth-child(2) .benefit-icon-box { background-color: var(--secondary-light); color: var(--secondary-color); }
.benefit-card:nth-child(3) .benefit-icon-box { background-color: var(--accent-light); color: var(--accent-color); }
.benefit-card:nth-child(4) .benefit-icon-box { background-color: #f3e8ff; color: #7e22ce; }

.benefit-icon-box svg {
  width: 26px;
  height: 26px;
}

.benefit-card h3 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 0.65rem;
}

.benefit-card p {
  color: var(--text-muted);
  font-size: 0.9rem;
  line-height: 1.5;
}

/* 11. PREGUNTAS FRECUENTES (FAQ ACORDEÓN) */
.faq-section {
  background-color: var(--bg-light);
}

.faq-container {
  max-width: 850px;
  margin: 0 auto;
}

.faq-item {
  background-color: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  margin-bottom: 1rem;
  overflow: hidden;
  transition: var(--transition-normal);
}

.faq-item.active {
  border-color: var(--primary-color);
  box-shadow: var(--shadow-md);
}

.faq-question {
  width: 100%;
  padding: 1.35rem 1.75rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: none;
  border: none;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-dark);
  text-align: left;
  cursor: pointer;
}

.faq-icon {
  width: 24px;
  height: 24px;
  color: var(--primary-color);
  transition: transform 0.3s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0 1.75rem;
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.faq-item.active .faq-answer {
  max-height: 400px;
  padding: 0 1.75rem 1.5rem 1.75rem;
}

.faq-answer ul {
  margin-top: 0.5rem;
  padding-left: 1.25rem;
}

.faq-answer li {
  margin-bottom: 0.35rem;
}

/* 12. TABLA REGULATORIA DE COSTOS Y COMISIONES (AYNECA STANDARD) */
.commissions-section {
  background-color: #ffffff;
}

.table-responsive {
  overflow-x: auto;
  margin-top: 2rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
}

.commissions-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.95rem;
}

.commissions-table th {
  background-color: var(--primary-color);
  color: #ffffff;
  padding: 1.15rem 1.5rem;
  font-weight: 800;
  letter-spacing: 0.02em;
}

.commissions-table td {
  padding: 1.15rem 1.5rem;
  border-bottom: 1px solid var(--border-color);
  color: var(--text-dark);
}

.commissions-table tr:nth-child(even) {
  background-color: var(--bg-light);
}

.commissions-table tr:hover {
  background-color: var(--primary-light);
}

/* 13. MÓDULO UNE (UNIDAD ESPECIALIZADA DE ATENCIÓN A USUARIOS) */
.une-section {
  background-color: var(--bg-light);
}

.une-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  border: 1px solid var(--border-color);
  padding: 3rem;
  box-shadow: var(--shadow-md);
}

.une-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.une-header-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background-color: var(--primary-light);
  color: var(--primary-color);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.une-channels-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2rem;
}

.une-channel-box {
  background-color: var(--bg-light);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  text-align: center;
}

.une-channel-box h4 {
  font-size: 1rem;
  font-weight: 800;
  color: var(--primary-color);
  margin-bottom: 0.5rem;
}

.une-channel-box p {
  font-size: 0.875rem;
  color: var(--text-muted);
}

/* 14. FORMULARIO DE SOLICITUD DE CRÉDITO COMPLETO */
.form-section {
  background: linear-gradient(180deg, var(--bg-light) 0%, #edf2f7 100%);
}

.form-wrapper {
  max-width: 900px;
  margin: 0 auto;
  background-color: #ffffff;
  border-radius: var(--radius-xl);
  padding: 3.5rem;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border-color);
}

.form-section-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary-color);
  margin-bottom: 1.5rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--primary-light);
  grid-column: span 2;
}

.loan-form {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.form-group-full {
  grid-column: span 2;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}

.form-label {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--text-dark);
}

.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 0.85rem 1.15rem;
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  background-color: #ffffff;
  color: var(--text-dark);
  font-size: 0.95rem;
  transition: var(--transition-normal);
  outline: none;
}

.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--primary-color);
  box-shadow: 0 0 0 3px var(--primary-light);
}

.file-upload-box {
  border: 2px dashed var(--border-color);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  text-align: center;
  background-color: var(--bg-light);
  cursor: pointer;
  transition: var(--transition-normal);
}

.file-upload-box:hover {
  border-color: var(--primary-color);
  background-color: var(--primary-light);
}

.file-upload-box input[type="file"] {
  display: none;
}

.file-upload-label {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: var(--text-muted);
  cursor: pointer;
}

.file-upload-label svg {
  color: var(--primary-color);
}

/* Estado: hay archivos adjuntos seleccionados */
.file-upload-box.has-files {
  border-style: solid;
  border-color: #16a34a;
  background-color: #f0fdf4;
}

.file-upload-box.has-files .file-upload-label svg {
  color: #16a34a;
}

.file-upload-box.drag-over {
  border-color: var(--primary-color);
  background-color: var(--primary-light);
}

.file-upload-list {
  list-style: none;
  margin: 0.75rem 0 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.file-upload-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.55rem 0.85rem;
  background-color: #f0fdf4;
  border: 1px solid #bbf7d0;
  border-radius: var(--radius-md);
  font-size: 0.85rem;
  color: var(--text-dark, #1f2937);
}

.file-upload-item svg {
  color: #16a34a;
  flex-shrink: 0;
}

.file-upload-item .file-upload-item-name {
  flex: 1;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
  font-weight: 600;
}

.file-upload-item .file-upload-item-size {
  color: var(--text-muted);
  font-size: 0.78rem;
  flex-shrink: 0;
}

.file-upload-item-remove {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: none;
  background: transparent;
  color: #94a3b8;
  cursor: pointer;
  transition: var(--transition-normal);
}

.file-upload-item-remove:hover {
  background-color: #fee2e2;
  color: #dc2626;
}

.file-upload-summary {
  font-size: 0.8rem;
  font-weight: 700;
  color: #16a34a;
  display: flex;
  align-items: center;
  gap: 0.4rem;
  margin-bottom: 0.15rem;
}

.map-directions-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary-color);
  text-decoration: none;
  padding: 0.5rem 1rem;
  border: 1.5px solid var(--primary-color);
  border-radius: var(--radius-full);
  transition: var(--transition-normal);
}

.map-directions-link:hover {
  background-color: var(--primary-color);
  color: #ffffff;
}

/* 15. PIE DE PÁGINA (FOOTER REGULATORIO) */
.footer {
  background-color: var(--bg-dark);
  color: #94a3b8;
  padding: 5rem 0 2rem 0;
  font-size: 0.9rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.25fr;
  gap: 3rem;
  margin-bottom: 3.5rem;
}

.footer-brand p {
  margin-top: 1.25rem;
  font-size: 0.9rem;
  line-height: 1.6;
  color: #cbd5e1;
}

.footer-col h4 {
  color: #ffffff;
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  position: relative;
  padding-bottom: 0.5rem;
}

.footer-col h4::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 32px;
  height: 2px;
  background-color: var(--secondary-color);
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-links a:hover {
  color: var(--secondary-color);
  padding-left: 4px;
}

.footer-contact-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  color: #cbd5e1;
}

.footer-contact-item svg {
  color: var(--secondary-color);
  flex-shrink: 0;
  margin-top: 0.2rem;
}

.footer-legal-notice {
  background-color: rgba(0, 0, 0, 0.25);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  margin-bottom: 2.5rem;
  font-size: 0.8rem;
  line-height: 1.6;
  color: #94a3b8;
  border: 1px solid rgba(255, 255, 255, 0.05);
}

.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.8rem;
}

/* 16. BOTÓN FLOTANTE DE WHATSAPP */
.floating-whatsapp {
  position: fixed;
  bottom: 30px;
  right: 30px;
  z-index: 999;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  background-color: #25d366;
  color: #ffffff;
  padding: 0.75rem 1.25rem 0.75rem 1rem;
  border-radius: var(--radius-full);
  box-shadow: 0 8px 25px rgba(37, 211, 102, 0.4);
  font-weight: 700;
  font-size: 0.95rem;
  transition: var(--transition-normal);
  text-decoration: none;
}

.floating-whatsapp:hover {
  transform: translateY(-4px) scale(1.03);
  box-shadow: 0 12px 30px rgba(37, 211, 102, 0.5);
  color: #ffffff;
}

.whatsapp-icon {
  width: 28px;
  height: 28px;
  fill: currentColor;
}

.whatsapp-pulse {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  border-radius: var(--radius-full);
  border: 2px solid #25d366;
  animation: pulse-border 2s infinite ease-out;
  pointer-events: none;
}

@keyframes pulse-border {
  0% { transform: scale(1); opacity: 0.8; }
  100% { transform: scale(1.25); opacity: 0; }
}

/* 17. MODALES */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: rgba(7, 30, 38, 0.8);
  backdrop-filter: blur(4px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}

.modal-overlay.active {
  opacity: 1;
  visibility: visible;
}

.modal-card {
  background-color: #ffffff;
  border-radius: var(--radius-xl);
  max-width: 750px;
  width: 100%;
  max-height: 90vh;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-xl);
  transform: scale(0.95);
  transition: transform 0.3s ease;
  overflow: hidden;
}

.modal-overlay.active .modal-card {
  transform: scale(1);
}

.modal-header {
  padding: 1.5rem 2rem;
  border-bottom: 1px solid var(--border-color);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.modal-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary-color);
}

.modal-close {
  background: none;
  border: none;
  font-size: 1.75rem;
  line-height: 1;
  color: var(--text-muted);
  cursor: pointer;
  padding: 0.25rem;
  border-radius: var(--radius-sm);
  transition: var(--transition-normal);
}

.modal-close:hover {
  color: var(--text-dark);
}

.modal-body {
  padding: 2rem;
  overflow-y: auto;
  font-size: 0.9rem;
  color: var(--text-dark);
  line-height: 1.65;
}

.modal-body h4 {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--primary-color);
  margin-top: 1.25rem;
  margin-bottom: 0.5rem;
}

.modal-body p {
  margin-bottom: 1rem;
  color: var(--text-muted);
}

.modal-footer {
  padding: 1.25rem 2rem;
  border-top: 1px solid var(--border-color);
  background-color: var(--bg-light);
  display: flex;
  justify-content: flex-end;
}

.folio-badge {
  display: inline-block;
  background-color: var(--primary-light);
  color: var(--primary-color);
  padding: 0.5rem 1.25rem;
  border-radius: var(--radius-full);
  font-weight: 800;
  font-size: 1.15rem;
  letter-spacing: 0.05em;
  margin: 1rem 0 1.5rem 0;
}

/* 18. RESPONSIVE MEDIA QUERIES */
@media (max-width: 1024px) {
  .hero-grid,
  .simulator-wrapper {
    grid-template-columns: 1fr;
  }

  .steps-grid,
  .benefits-grid,
  .une-channels-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .section-padding {
    padding-top: 3.5rem;
    padding-bottom: 3.5rem;
  }

  .section-header h2 {
    font-size: 1.85rem;
  }

  .header-container {
    height: 72px;
  }

  .mobile-toggle {
    display: block;
  }

  .nav-menu {
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background-color: #ffffff;
    flex-direction: column;
    padding: 2rem 1.5rem;
    box-shadow: var(--shadow-xl);
    border-bottom: 1px solid var(--border-color);
    display: none;
    gap: 1.25rem;
  }

  .nav-menu.active {
    display: flex;
  }

  .nav-actions {
    display: none;
  }

  .nav-menu .nav-actions-mobile {
    display: block;
    width: 100%;
    margin-top: 1rem;
  }

  .hero-title {
    font-size: 2.15rem;
  }

  .hero-cta-group {
    flex-direction: column;
    width: 100%;
  }

  .hero-cta-group .btn {
    width: 100%;
  }

  .hero-metrics-grid {
    grid-template-columns: 1fr;
  }

  .simulator-controls,
  .simulator-results,
  .form-wrapper,
  .une-card {
    padding: 1.75rem;
  }

  .steps-grid,
  .benefits-grid,
  .une-channels-grid,
  .loan-form {
    grid-template-columns: 1fr;
  }

  .form-section-title,
  .form-group-full {
    grid-column: span 1;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .floating-whatsapp span {
    display: none;
  }

  .floating-whatsapp {
    padding: 0.85rem;
    bottom: 20px;
    right: 20px;
  }
}