/* ===== VARIABLES ===== */
:root {
  --primary: #0f2537;
  --secondary: #e8a020;
  --accent: #c47d0e;
  --dark: #090f18;
  --light: #f5f7fa;
  --gray: #6c757d;
  --light-gray: #eaedf2;
  --white: #ffffff;
  --shadow: 0 2px 15px rgba(0,0,0,0.08);
  --shadow-hover: 0 8px 30px rgba(15,37,55,0.18);
  --radius: 12px;
  --transition: all 0.3s ease;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', sans-serif;
  background-color: var(--light);
  color: var(--dark);
  line-height: 1.6;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; transition: var(--transition); }
ul { list-style: none; }
img { max-width: 100%; display: block; }
.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 20px; }

/* ===== HEADER ===== */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--primary);
  border-bottom: 3px solid var(--secondary);
  transition: var(--transition);
}
.header.scrolled { box-shadow: 0 4px 20px rgba(0,0,0,0.3); }
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 15px 20px;
  max-width: 1200px;
  margin: 0 auto;
}
.header__logo { font-size: 1.4rem; font-weight: 800; color: var(--white); letter-spacing: -0.5px; }
.header__logo span { color: var(--secondary); }

/* ===== NAV ===== */
.header__nav { display: flex; align-items: center; gap: 30px; }
.nav__link { font-weight: 500; color: rgba(255,255,255,0.8); font-size: 0.95rem; position: relative; padding-bottom: 4px; }
.nav__link::after { content: ''; position: absolute; bottom: 0; left: 0; width: 0; height: 2px; background: var(--secondary); transition: var(--transition); }
.nav__link:hover::after, .nav__link.active::after { width: 100%; }
.nav__link:hover { color: var(--secondary); }
.header__actions { display: flex; align-items: center; gap: 15px; }

/* ===== HAMBURGER ===== */
.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 5px; }
.hamburger span { display: block; width: 25px; height: 3px; background: var(--white); border-radius: 3px; transition: var(--transition); }
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(6px, 6px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(6px, -6px); }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 30px; border-radius: 6px; font-weight: 700;
  font-size: 0.95rem; font-family: 'Inter', sans-serif;
  cursor: pointer; transition: var(--transition); border: 2px solid transparent;
}
.btn-primary { background: var(--secondary); color: var(--primary); }
.btn-primary:hover { background: var(--accent); transform: translateY(-3px); box-shadow: 0 10px 25px rgba(232,160,32,0.3); }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.5); }
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: var(--white); }
.btn-gold { background: var(--secondary); color: var(--primary); }
.btn-gold:hover { background: var(--accent); transform: translateY(-2px); box-shadow: var(--shadow-hover); }
.btn-sm { padding: 8px 18px; font-size: 0.85rem; }

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, #090f18 0%, #0f2537 50%, #1a3d5c 100%);
  color: white; padding: 110px 20px; text-align: center; position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; top: 0; left: 0; width: 100%; height: 100%;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23e8a020' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.hero__content { position: relative; z-index: 1; max-width: 750px; margin: 0 auto; }
.hero__eyebrow {
  display: inline-block; background: rgba(232,160,32,0.15); border: 1px solid rgba(232,160,32,0.4);
  padding: 6px 18px; border-radius: 4px; font-size: 0.82rem; font-weight: 700;
  letter-spacing: 2px; text-transform: uppercase; margin-bottom: 22px; color: var(--secondary);
}
.hero__title { font-size: clamp(2.2rem, 5vw, 3.8rem); font-weight: 800; line-height: 1.15; margin-bottom: 22px; }
.hero__title span { color: var(--secondary); }
.hero__subtitle { font-size: 1.1rem; opacity: 0.85; margin-bottom: 38px; max-width: 550px; margin-left: auto; margin-right: auto; }
.hero__cta { display: inline-flex; align-items: center; gap: 14px; flex-wrap: wrap; justify-content: center; }

/* ===== SECTIONS ===== */
section { padding: 80px 0; }
.section-header { text-align: center; margin-bottom: 50px; }
.section-eyebrow { display: inline-block; color: var(--secondary); font-weight: 700; font-size: 0.82rem; letter-spacing: 2px; text-transform: uppercase; margin-bottom: 10px; }
.section-title { font-size: clamp(1.6rem, 3vw, 2.3rem); font-weight: 800; color: var(--dark); margin-bottom: 12px; }
.section-subtitle { color: var(--gray); font-size: 1rem; max-width: 520px; margin: 0 auto; }

/* ===== STATS BAR ===== */
.stats-bar { background: var(--primary); padding: 40px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 30px; text-align: center; }
.stat-item__number { font-size: 2.4rem; font-weight: 800; color: var(--secondary); line-height: 1; }
.stat-item__label { font-size: 0.85rem; color: rgba(255,255,255,0.7); margin-top: 6px; font-weight: 500; }

/* ===== SERVICES GRID ===== */
.services-section { background: var(--light-gray); }
.services-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 25px; }
.service-card {
  background: white; border-radius: var(--radius); padding: 35px 28px;
  box-shadow: var(--shadow); transition: var(--transition);
  border-top: 4px solid transparent; display: flex; flex-direction: column; gap: 14px;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-hover); border-top-color: var(--secondary); }
.service-card__icon {
  width: 56px; height: 56px; background: linear-gradient(135deg, var(--primary), #1a3d5c);
  border-radius: 10px; display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; color: var(--secondary);
}
.service-card__title { font-weight: 800; font-size: 1rem; color: var(--dark); }
.service-card__desc { color: var(--gray); font-size: 0.9rem; line-height: 1.7; flex: 1; }
.service-card__link { display: inline-flex; align-items: center; gap: 6px; color: var(--secondary); font-weight: 700; font-size: 0.88rem; }
.service-card__link:hover { gap: 10px; }

/* ===== WHY US ===== */
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 25px; }
.why-card {
  background: white; border-radius: var(--radius); padding: 35px 25px;
  text-align: center; box-shadow: var(--shadow); transition: var(--transition);
  border-bottom: 4px solid var(--secondary);
}
.why-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-hover); }
.why-card__icon {
  width: 60px; height: 60px; background: linear-gradient(135deg, var(--primary), #1a3d5c);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  margin: 0 auto 18px; font-size: 1.4rem; color: var(--secondary);
}
.why-card__title { font-weight: 800; font-size: 1rem; margin-bottom: 8px; color: var(--dark); }
.why-card__desc { color: var(--gray); font-size: 0.9rem; }

/* ===== CTA BANNER ===== */
.cta-banner {
  background: linear-gradient(135deg, var(--primary) 0%, #1a3d5c 100%);
  padding: 80px 20px; text-align: center; color: white;
}
.cta-banner h2 { font-size: clamp(1.8rem, 3vw, 2.6rem); font-weight: 800; margin-bottom: 16px; }
.cta-banner h2 span { color: var(--secondary); }
.cta-banner p { font-size: 1.05rem; opacity: 0.85; margin-bottom: 35px; max-width: 500px; margin-left: auto; margin-right: auto; }
.cta-banner__btns { display: inline-flex; gap: 14px; flex-wrap: wrap; justify-content: center; }

/* ===== PRODUCTS / SERVICES PAGE ===== */
.products-section { background: var(--light-gray); }
.products-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 25px; }
.product-card {
  background: white; border-radius: var(--radius); overflow: hidden;
  box-shadow: var(--shadow); transition: var(--transition); display: flex; flex-direction: column;
}
.product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-hover); }
.product-card__img { width: 100%; aspect-ratio: 1; object-fit: cover; background: #eaedf2; }
.product-card__body { padding: 18px; flex: 1; display: flex; flex-direction: column; }
.product-card__badge {
  display: inline-block; padding: 3px 10px; border-radius: 4px; font-size: 0.72rem;
  font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 8px;
}
.badge-cobro     { background: #fff3cd; color: #856404; }
.badge-credito   { background: #d1ecf1; color: #0c5460; }
.badge-gestion   { background: #d4edda; color: #155724; }
.badge-asesoria  { background: #e2d9f3; color: #4a235a; }
.product-card__name { font-weight: 700; font-size: 0.95rem; color: var(--dark); margin-bottom: 6px; flex: 1; }
.product-card__desc { font-size: 0.88rem; color: var(--gray); margin-bottom: 14px; line-height: 1.5; }
.product-card__btn {
  width: 100%; padding: 10px; background: var(--primary); color: white; border: none;
  border-radius: 6px; font-weight: 700; font-size: 0.88rem; cursor: pointer;
  font-family: 'Inter', sans-serif; transition: var(--transition);
  display: flex; align-items: center; justify-content: center; gap: 6px; text-decoration: none;
}
.product-card__btn:hover { background: var(--secondary); color: var(--primary); }

/* ===== FILTERS ===== */
.filters { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 35px; }
.filter-btn {
  padding: 8px 20px; border-radius: 6px; border: 2px solid var(--light-gray);
  background: white; color: var(--gray); font-weight: 600; font-size: 0.88rem;
  cursor: pointer; font-family: 'Inter', sans-serif; transition: var(--transition);
}
.filter-btn:hover, .filter-btn.active { background: var(--primary); color: white; border-color: var(--primary); }

/* ===== TERMS PAGE ===== */
.terms-page { background: var(--light-gray); }
.terms-layout { display: grid; grid-template-columns: 260px 1fr; gap: 40px; align-items: start; }
.terms-toc { background: white; border-radius: var(--radius); padding: 25px; box-shadow: var(--shadow); position: sticky; top: 90px; }
.terms-toc h3 { font-size: 0.9rem; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; color: var(--gray); margin-bottom: 15px; padding-bottom: 10px; border-bottom: 2px solid var(--light-gray); }
.terms-toc ul { display: flex; flex-direction: column; gap: 4px; }
.terms-toc a { display: block; padding: 7px 12px; border-radius: 6px; font-size: 0.85rem; font-weight: 500; color: var(--gray); transition: var(--transition); }
.terms-toc a:hover { background: var(--light-gray); color: var(--primary); }
.terms-content { background: white; border-radius: var(--radius); padding: 45px; box-shadow: var(--shadow); }
.terms-content h1 { font-size: 1.8rem; font-weight: 800; color: var(--dark); margin-bottom: 8px; }
.terms-date { color: var(--gray); font-size: 0.9rem; margin-bottom: 30px; padding-bottom: 20px; border-bottom: 2px solid var(--light-gray); }
.terms-section { margin-bottom: 40px; scroll-margin-top: 100px; }
.terms-section h2 { font-size: 1.1rem; font-weight: 800; color: var(--dark); margin-bottom: 14px; padding-left: 14px; border-left: 4px solid var(--secondary); }
.terms-section p { color: #444; font-size: 0.93rem; line-height: 1.8; margin-bottom: 12px; }
.terms-section ul { list-style: disc; padding-left: 22px; color: #444; font-size: 0.93rem; line-height: 1.8; margin-bottom: 12px; }
.terms-section .data-box { background: var(--light-gray); border-radius: 8px; padding: 18px 20px; margin: 15px 0; border-left: 4px solid var(--secondary); }
.terms-section .data-box p { margin: 0 0 6px; font-weight: 600; color: var(--dark); }
.terms-section .data-box p:last-child { margin-bottom: 0; }

/* ===== TOAST ===== */
.toast-container { position: fixed; bottom: 30px; right: 30px; z-index: 9999; display: flex; flex-direction: column; gap: 10px; }
.toast {
  background: var(--primary); color: white; padding: 14px 20px; border-radius: 8px;
  font-size: 0.9rem; font-weight: 600; display: flex; align-items: center; gap: 10px;
  box-shadow: 0 5px 20px rgba(0,0,0,0.25); animation: slideUp 0.3s ease; border-left: 4px solid var(--secondary); min-width: 260px;
}
.toast i { color: var(--secondary); font-size: 1rem; }
@keyframes slideUp { from { transform: translateY(30px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }
@keyframes slideDown { from { transform: translateY(0); opacity: 1; } to { transform: translateY(30px); opacity: 0; } }
.toast.hide { animation: slideDown 0.3s ease forwards; }

/* ===== PAGE HERO ===== */
.page-hero { background: linear-gradient(135deg, var(--primary) 0%, #1a3d5c 100%); color: white; padding: 65px 20px; text-align: center; border-bottom: 4px solid var(--secondary); }
.page-hero h1 { font-size: clamp(1.6rem, 3vw, 2.5rem); font-weight: 800; margin-bottom: 8px; }
.page-hero p { opacity: 0.8; font-size: 1rem; }

/* ===== FOOTER ===== */
.footer { background: #060d16; color: #ccc; padding: 60px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 50px; border-bottom: 1px solid #1a2a3a; }
.footer-brand__logo { font-size: 1.4rem; font-weight: 800; color: var(--secondary); margin-bottom: 12px; }
.footer-brand__desc { font-size: 0.88rem; line-height: 1.7; margin-bottom: 20px; color: #aaa; }
.footer-brand__fiscal { font-size: 0.78rem; color: #666; line-height: 1.7; background: rgba(255,255,255,0.04); padding: 12px 15px; border-radius: 8px; border-left: 3px solid var(--secondary); }
.footer-col h4 { font-size: 0.82rem; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; color: var(--secondary); margin-bottom: 18px; }
.footer-col ul { display: flex; flex-direction: column; gap: 8px; }
.footer-col a { font-size: 0.88rem; color: #aaa; transition: var(--transition); }
.footer-col a:hover { color: var(--secondary); padding-left: 5px; }
.footer-social { display: flex; gap: 12px; margin-top: 5px; }
.footer-social a { width: 38px; height: 38px; background: rgba(255,255,255,0.06); border-radius: 6px; display: flex; align-items: center; justify-content: center; color: #aaa; font-size: 0.95rem; transition: var(--transition); }
.footer-social a:hover { background: var(--secondary); color: var(--primary); transform: translateY(-3px); }
.footer-bottom { padding: 20px 0; font-size: 0.82rem; color: #555; }
.footer-bottom .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; }

/* ===== ANIMATIONS ===== */
@keyframes fadeIn { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
.fade-in { animation: fadeIn 0.6s ease forwards; }
.fade-in-delay-1 { animation: fadeIn 0.6s ease 0.1s both; }
.fade-in-delay-2 { animation: fadeIn 0.6s ease 0.2s both; }
.fade-in-delay-3 { animation: fadeIn 0.6s ease 0.3s both; }

/* ===== MEDIA QUERIES ===== */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .terms-layout { grid-template-columns: 1fr; }
  .terms-toc { position: static; }
}
@media (max-width: 768px) {
  .header__nav { position: fixed; top: 0; left: -100%; width: 280px; height: 100vh; background: var(--primary); flex-direction: column; justify-content: center; gap: 30px; padding: 30px; box-shadow: 5px 0 20px rgba(0,0,0,0.3); transition: left 0.35s cubic-bezier(0.4,0,0.2,1); z-index: 999; }
  .header__nav.open { left: 0; }
  .nav__link { font-size: 1.1rem; }
  .hamburger { display: flex; z-index: 1000; }
  .hero { padding: 70px 20px; }
  .hero__cta { flex-direction: column; }
  section { padding: 60px 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom .container { flex-direction: column; text-align: center; }
}
@media (max-width: 480px) {
  .products-grid { grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .terms-content { padding: 25px; }
  .filters { gap: 7px; }
  .filter-btn { padding: 6px 14px; font-size: 0.82rem; }
}