*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'Nunito Sans',sans-serif;background:#fff;color:#1a2e44;overflow-x:hidden;}

/* ====== NAVBAR ====== */
.navbar{position:fixed;top:0;left:0;right:0;z-index:1000;background:#fff;height:68px;box-shadow:0 2px 10px rgba(0,0,0,0.1);transition:background .3s,box-shadow .3s;}
.navbar.dark{background:#0d2137;box-shadow:0 2px 10px rgba(0,0,0,0.3);}
.navbar.dark .nav-link{color:rgba(255,255,255,.82);}
.navbar.dark .nav-link:hover,.navbar.dark .nav-link.active{color:#e8504a;}
.navbar.dark .nav-brand-name{color:#fff;}
.navbar.dark .nav-brand-sub{color:rgba(255,255,255,.55);}
.navbar.dark .hamburger span{background:#fff;}
.navbar.dark .btn-hazte{border-color:rgba(255,255,255,.4);color:#fff;}
.navbar.dark .btn-hazte:hover{background:rgba(255,255,255,.1);}
.navbar.dark .btn-banca{background:#fff;color:#0d2137;}
.nav-inner{max-width:1280px;margin:0 auto;height:100%;display:flex;align-items:center;justify-content:space-between;padding:0 32px;gap:16px;}
.nav-brand{display:flex;align-items:center;gap:10px;text-decoration:none;flex-shrink:0;}
.nav-logo-box{width:44px;height:44px;background:#fff;border-radius:8px;display:flex;align-items:center;justify-content:center;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,.12);}
.nav-logo-box img{width:38px;height:38px;object-fit:contain;}
.nav-brand-texts{display:flex;flex-direction:column;line-height:1.2;}
.nav-brand-name{font-size:.88rem;font-weight:800;color:#0d2137;letter-spacing:-.2px;}
.nav-brand-sub{font-size:.58rem;font-weight:700;color:#e8504a;letter-spacing:1.8px;text-transform:uppercase;}
.nav-menu{display:flex;align-items:center;list-style:none;gap:2px;flex:1;justify-content:center;}
.nav-item{position:relative;}
.nav-link{display:flex;align-items:center;gap:4px;color:#1a2e44;font-size:.86rem;font-weight:700;text-decoration:none;padding:8px 12px;border-radius:6px;transition:color .2s,background .2s;white-space:nowrap;}
.nav-link:hover,.nav-link.active{color:#e8504a;}
.nav-link.active{border-bottom:2.5px solid #e8504a;}
.nav-link svg{width:11px;height:11px;transition:transform .2s;stroke:currentColor;stroke-width:2.5;fill:none;stroke-linecap:round;}
.nav-item:hover .nav-link svg{transform:rotate(180deg);}
.dropdown{position:absolute;top:calc(100% + 4px);left:0;background:#fff;border-radius:10px;box-shadow:0 8px 28px rgba(0,0,0,.14);min-width:210px;padding:6px 0;opacity:0;visibility:hidden;transform:translateY(-6px);transition:all .2s;}
.nav-item:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0);}
.dropdown a{display:block;padding:9px 18px;color:#1a2e44;font-size:.84rem;font-weight:600;text-decoration:none;transition:background .15s,color .15s;}
.dropdown a:hover{background:#f4f7fa;color:#e8504a;}
.nav-right{display:flex;align-items:center;gap:8px;flex-shrink:0;}
.btn-hazte{display:flex;align-items:center;gap:5px;border:1.5px solid #0d2137;color:#0d2137;background:transparent;font-family:'Nunito Sans',sans-serif;font-size:.8rem;font-weight:700;padding:7px 14px;border-radius:20px;cursor:pointer;text-decoration:none;transition:all .2s;white-space:nowrap;}
.btn-hazte:hover{background:#0d2137;color:#fff;}
.btn-banca{display:flex;align-items:center;gap:5px;background:#0d2137;color:#fff;border:1.5px solid #0d2137;font-family:'Nunito Sans',sans-serif;font-size:.8rem;font-weight:700;padding:7px 14px;border-radius:20px;cursor:pointer;text-decoration:none;transition:all .2s;white-space:nowrap;}
.btn-banca:hover{background:#1a3d5c;border-color:#1a3d5c;}
.btn-banca svg,.btn-hazte svg{width:13px;height:13px;stroke:currentColor;stroke-width:2;fill:none;stroke-linecap:round;}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:4px;}
.hamburger span{display:block;width:22px;height:2px;background:#1a2e44;border-radius:2px;transition:all .3s;}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.hamburger.open span:nth-child(2){opacity:0;}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
.mobile-menu{position:fixed;top:68px;left:0;right:0;background:#0d2137;padding:0 0 24px;transform:translateY(-110%);opacity:0;transition:transform .3s ease,opacity .3s ease;z-index:999;display:block;pointer-events:none;}
.mobile-menu.open{transform:translateY(0);opacity:1;pointer-events:all;}
.mobile-menu a{display:block;color:rgba(255,255,255,.82);font-size:.95rem;font-weight:600;padding:14px 28px;border-bottom:1px solid rgba(255,255,255,.07);text-decoration:none;}
.mobile-menu a:hover{color:#fff;background:rgba(255,255,255,.05);}
.mobile-menu .mob-cta{margin:16px 28px 0;background:#e8504a;color:#fff;text-align:center;padding:13px;border-radius:8px;font-weight:700;border:none;font-size:.92rem;display:block;text-decoration:none;}

/* ====== PAGE HERO ====== */
.page-hero{position:relative;padding-top:68px;height:380px;display:flex;align-items:flex-end;overflow:hidden;}
.page-hero-media{position:absolute;inset:0;z-index:0;}
.page-hero-media img{width:100%;height:100%;object-fit:cover;display:block;}
.page-hero-media::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,28,50,.9) 0%,rgba(10,28,50,.6) 60%,rgba(10,28,50,.2) 100%);}
.page-hero-body{position:relative;z-index:2;max-width:1280px;margin:0 auto;padding:0 32px 56px;width:100%;}
.page-eyebrow{display:inline-block;font-size:.68rem;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:#e8504a;margin-bottom:10px;}
.page-hero-body h1{font-size:clamp(2rem,4vw,3rem);font-weight:800;color:#fff;line-height:1.1;max-width:560px;}

/* ====== BREADCRUMB ====== */
.breadcrumb{background:#f0f4f7;border-bottom:1px solid #e4e9ef;}
.bc-inner{max-width:1280px;margin:0 auto;padding:12px 32px;display:flex;align-items:center;gap:8px;}
.bc-inner a{font-size:.78rem;font-weight:600;color:#5a6a7a;text-decoration:none;transition:color .2s;}
.bc-inner a:hover{color:#e8504a;}
.bc-inner span{font-size:.78rem;color:#aab4c0;}
.bc-inner .bc-cur{font-size:.78rem;font-weight:700;color:#0d2137;}
.bc-sep{stroke:#aab4c0;stroke-width:2;fill:none;stroke-linecap:round;}

/* ====== AGENDAR LLAMADA ====== */
.sec-agenda{background:#fff;padding:80px 32px;}
.agenda-inner{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1fr 1.5fr;gap:64px;align-items:start;}
.agenda-info h2{font-size:clamp(1.5rem,2.3vw,2rem);font-weight:800;color:#0d2137;line-height:1.2;margin-bottom:14px;}
.agenda-info .sec-eyebrow{font-size:.68rem;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:#e8504a;display:block;margin-bottom:8px;}
.agenda-info .sub{color:#5a6a7a;font-size:.94rem;line-height:1.72;margin-bottom:28px;}
.clist{list-style:none;display:flex;flex-direction:column;gap:16px;margin-bottom:32px;}
.clist li{display:flex;align-items:flex-start;gap:12px;}
.clist .ico{width:36px;height:36px;background:#0d2137;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.clist .ico svg{width:16px;height:16px;stroke:#fff;stroke-width:2;fill:none;stroke-linecap:round;}
.clist .clabel{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:#e8504a;display:block;margin-bottom:2px;}
.clist .cval{font-size:.88rem;font-weight:600;color:#1a2e44;line-height:1.5;}
.agenda-img{border-radius:12px;overflow:hidden;margin-top:4px;}
.agenda-img img{width:100%;height:220px;object-fit:cover;display:block;}

/* ====== FORM ====== */
.aform{background:#fff;border-radius:16px;padding:40px;box-shadow:0 4px 36px rgba(0,0,0,.1);border:1.5px solid #e4e9ef;}
.aform-title{font-size:1.1rem;font-weight:800;color:#0d2137;margin-bottom:6px;}
.aform-sub{font-size:.83rem;color:#5a6a7a;margin-bottom:24px;padding-bottom:18px;border-bottom:1.5px solid #e4e9ef;line-height:1.55;}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px;}
.fgrp{display:flex;flex-direction:column;gap:5px;margin-bottom:14px;}
.fgrp label{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:#5a6a7a;}
.fgrp input,.fgrp select,.fgrp textarea{padding:10px 13px;border:1.5px solid #dde3ea;border-radius:7px;font-family:'Nunito Sans',sans-serif;font-size:.88rem;color:#1a2e44;outline:none;transition:border .2s;background:#fff;}
.fgrp input:focus,.fgrp select:focus,.fgrp textarea:focus{border-color:#0d2137;}
.fgrp input.error,.fgrp textarea.error{border-color:#e8504a;}
.fgrp textarea{resize:vertical;min-height:80px;}

/* Calendario de horarios */
.horario-section{margin-bottom:14px;}
.horario-section label{display:block;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:#5a6a7a;margin-bottom:8px;}
.dias-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:7px;margin-bottom:10px;}
.dia-btn{padding:9px 4px;border:1.5px solid #dde3ea;border-radius:7px;background:#fff;font-family:'Nunito Sans',sans-serif;font-size:.74rem;font-weight:700;color:#5a6a7a;cursor:pointer;transition:all .2s;text-align:center;line-height:1.3;}
.dia-btn:hover{border-color:#0d2137;color:#0d2137;}
.dia-btn.sel{background:#0d2137;border-color:#0d2137;color:#fff;}
.dia-btn.disabled{background:#f4f7fa;color:#c0c8d2;cursor:not-allowed;border-color:#e4e9ef;}
.horas-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:7px;}
.hora-btn{padding:8px 4px;border:1.5px solid #dde3ea;border-radius:7px;background:#fff;font-family:'Nunito Sans',sans-serif;font-size:.72rem;font-weight:600;color:#5a6a7a;cursor:pointer;transition:all .2s;text-align:center;line-height:1.3;}
.hora-btn:hover{border-color:#0d2137;color:#0d2137;}
.hora-btn.sel{background:#e8504a;border-color:#e8504a;color:#fff;}
.hora-btn.ocupado{background:#f4f7fa;color:#c0c8d2;cursor:not-allowed;border-color:#e4e9ef;text-decoration:line-through;}

/* Tipo crédito */
.tipo-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:7px;margin-bottom:14px;}
.tipo-btn{padding:10px 6px;border:1.5px solid #dde3ea;border-radius:8px;background:#fff;font-family:'Nunito Sans',sans-serif;font-size:.76rem;font-weight:700;color:#5a6a7a;cursor:pointer;transition:all .2s;text-align:center;}
.tipo-btn:hover{border-color:#0d2137;color:#0d2137;}
.tipo-btn.sel{background:#0d2137;border-color:#0d2137;color:#fff;}

.fsubmit{width:100%;background:#e8504a;color:#fff;border:none;border-radius:8px;font-family:'Nunito Sans',sans-serif;font-size:.92rem;font-weight:700;padding:14px;cursor:pointer;margin-top:8px;transition:background .2s,opacity .2s;display:flex;align-items:center;justify-content:center;gap:8px;}
.fsubmit:hover{background:#c0392b;}
.fsubmit:disabled{opacity:.6;cursor:not-allowed;}
.fsubmit svg{width:16px;height:16px;stroke:currentColor;stroke-width:2;fill:none;stroke-linecap:round;}
.fprivacy{font-size:.72rem;color:#8a9ab0;text-align:center;margin-top:10px;line-height:1.5;}
.fprivacy a{color:#0d2137;text-decoration:underline;cursor:pointer;}

/* Alert de error en form */
.form-alert{display:none;background:#fff0ef;border:1.5px solid #e8504a;border-radius:8px;padding:12px 16px;margin-bottom:16px;font-size:.83rem;color:#c0392b;font-weight:600;}
.form-alert.visible{display:block;}

/* SUCCESS STATE */
.form-success{display:none;text-align:center;padding:40px 20px;}
.form-success .success-icon{width:72px;height:72px;background:#0d2137;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 20px;}
.form-success .success-icon svg{width:32px;height:32px;stroke:#fff;stroke-width:2;fill:none;stroke-linecap:round;}
.form-success h3{font-size:1.2rem;font-weight:800;color:#0d2137;margin-bottom:10px;}
.form-success p{font-size:.9rem;color:#5a6a7a;line-height:1.65;}

/* ====== CANALES ====== */
.sec-canales{background:#f0f4f7;padding:80px 32px;}
.sec-inner{max-width:1280px;margin:0 auto;}
.sec-eyebrow{font-size:.68rem;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:#e8504a;display:block;margin-bottom:8px;}
.sec-title{font-size:clamp(1.55rem,2.6vw,2.1rem);font-weight:800;color:#0d2137;line-height:1.2;margin-bottom:44px;}
.canales-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.canal-card{background:#fff;border-radius:14px;padding:28px 24px;box-shadow:0 2px 14px rgba(0,0,0,.06);transition:all .3s;text-align:center;}
.canal-card:hover{box-shadow:0 10px 36px rgba(0,0,0,.11);transform:translateY(-4px);}
.canal-icon{width:60px;height:60px;background:#f0f4f7;border-radius:14px;display:flex;align-items:center;justify-content:center;margin:0 auto 18px;}
.canal-icon svg{width:26px;height:26px;stroke:#0d2137;stroke-width:1.8;fill:none;stroke-linecap:round;stroke-linejoin:round;}
.canal-card h3{font-size:.94rem;font-weight:800;color:#0d2137;margin-bottom:8px;}
.canal-card p{font-size:.83rem;color:#5a6a7a;line-height:1.65;margin-bottom:14px;}
.canal-card .canal-dato{font-size:.86rem;font-weight:700;color:#0d2137;}
.canal-card .canal-horario{font-size:.76rem;color:#8a9ab0;display:block;margin-top:3px;}

/* ====== UNE ====== */
.sec-une{background:#fff;padding:56px 32px;}
.une-box{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
.une-text .sec-eyebrow{font-size:.68rem;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:#e8504a;display:block;margin-bottom:8px;}
.une-text h2{font-size:clamp(1.3rem,2vw,1.7rem);font-weight:800;color:#0d2137;line-height:1.2;margin-bottom:14px;}
.une-text p{color:#5a6a7a;font-size:.9rem;line-height:1.72;}
.une-cards{display:flex;flex-direction:column;gap:14px;}
.une-card{display:flex;align-items:flex-start;gap:14px;background:#f0f4f7;border-radius:10px;padding:16px 18px;}
.une-card .uc-icon{width:38px;height:38px;background:#0d2137;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.une-card .uc-icon svg{width:17px;height:17px;stroke:#fff;stroke-width:2;fill:none;stroke-linecap:round;}
.une-card .uc-text strong{display:block;font-size:.84rem;font-weight:800;color:#0d2137;margin-bottom:2px;}
.une-card .uc-text span{font-size:.78rem;color:#5a6a7a;line-height:1.5;}

/* ====== FOOTER ====== */
footer{background:#0d2137;padding:64px 32px 0;}
.foot-inner{max-width:1280px;margin:0 auto;}
.foot-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:44px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.1);}
.foot-brand-logo{height:42px;background:#fff;border-radius:8px;padding:4px;margin-bottom:16px;}
.foot-desc{color:rgba(255,255,255,.42);font-size:.8rem;line-height:1.7;margin-bottom:14px;}
.foot-regs{display:flex;flex-direction:column;gap:5px;}
.foot-regs span{font-size:.73rem;color:rgba(255,255,255,.35);}
.foot-regs strong{color:rgba(255,255,255,.62);}
.fcol h4{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:rgba(255,255,255,.4);margin-bottom:16px;}
.fcol ul{list-style:none;display:flex;flex-direction:column;gap:9px;}
.fcol a{color:rgba(255,255,255,.58);text-decoration:none;font-size:.82rem;font-weight:600;transition:color .2s;}
.fcol a:hover{color:#fff;}
.foot-bottom{padding:18px 0;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.foot-bottom p{color:rgba(255,255,255,.28);font-size:.73rem;}
.cpill{background:rgba(232,80,74,.18);border:1px solid rgba(232,80,74,.35);color:#e88b83;font-size:.7rem;font-weight:700;letter-spacing:1px;padding:4px 12px;border-radius:12px;}

/* ====== MODAL AVISO DE PRIVACIDAD ====== */
.modal-overlay{position:fixed;inset:0;background:rgba(10,28,50,.65);z-index:2000;display:flex;align-items:center;justify-content:center;padding:20px;opacity:0;visibility:hidden;transition:opacity .25s,visibility .25s;}
.modal-overlay.open{opacity:1;visibility:visible;}
.modal-box{background:#fff;border-radius:16px;max-width:680px;width:100%;max-height:85vh;display:flex;flex-direction:column;box-shadow:0 20px 60px rgba(0,0,0,.25);transform:translateY(16px);transition:transform .25s;}
.modal-overlay.open .modal-box{transform:translateY(0);}
.modal-header{padding:24px 28px 20px;border-bottom:1.5px solid #e4e9ef;display:flex;align-items:center;justify-content:space-between;flex-shrink:0;}
.modal-header h2{font-size:1rem;font-weight:800;color:#0d2137;}
.modal-header p{font-size:.72rem;color:#8a9ab0;margin-top:2px;}
.modal-close{width:34px;height:34px;background:#f0f4f7;border:none;border-radius:8px;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:background .2s;flex-shrink:0;}
.modal-close:hover{background:#e4e9ef;}
.modal-close svg{width:16px;height:16px;stroke:#5a6a7a;stroke-width:2.5;fill:none;stroke-linecap:round;}
.modal-body{padding:24px 28px;overflow-y:auto;flex:1;}
.modal-body h3{font-size:.8rem;font-weight:800;color:#0d2137;text-transform:uppercase;letter-spacing:.8px;margin:20px 0 8px;}
.modal-body h3:first-child{margin-top:0;}
.modal-body p{font-size:.84rem;color:#5a6a7a;line-height:1.75;margin-bottom:10px;}
.modal-body ul{padding-left:18px;margin-bottom:10px;}
.modal-body ul li{font-size:.84rem;color:#5a6a7a;line-height:1.75;margin-bottom:4px;}
.modal-body .highlight-box{background:#f0f4f7;border-left:3px solid #e8504a;border-radius:0 8px 8px 0;padding:12px 16px;margin:12px 0;}
.modal-body .highlight-box p{margin:0;font-size:.82rem;}
.modal-footer{padding:16px 28px 20px;border-top:1.5px solid #e4e9ef;display:flex;justify-content:flex-end;flex-shrink:0;}
.modal-btn-close{background:#0d2137;color:#fff;border:none;border-radius:8px;font-family:'Nunito Sans',sans-serif;font-size:.84rem;font-weight:700;padding:10px 24px;cursor:pointer;transition:background .2s;}
.modal-btn-close:hover{background:#1a3d5c;}

/* ====== RESPONSIVE ====== */
@media(max-width:1024px){.canales-grid{grid-template-columns:repeat(2,1fr);}}
@media(max-width:768px){
  .nav-menu,.nav-right{display:none;}
  .hamburger{display:flex;}
  .agenda-inner{grid-template-columns:1fr;gap:32px;}
  .une-box{grid-template-columns:1fr;gap:32px;}
  .canales-grid{grid-template-columns:1fr;}
  .foot-top{grid-template-columns:1fr 1fr;gap:28px;}
  .foot-bottom{flex-direction:column;text-align:center;}
  .sec-agenda,.sec-canales,.sec-une{padding:56px 20px;}
  footer{padding:48px 20px 0;}
  .nav-inner{padding:0 20px;}
  .page-hero-body{padding:0 20px 40px;}
  .frow{grid-template-columns:1fr;}
  .dias-grid{grid-template-columns:repeat(3,1fr);}
  .tipo-grid{grid-template-columns:1fr 1fr;}
}
@media(max-width:480px){
  .horas-grid{grid-template-columns:repeat(3,1fr);}
  .foot-top{grid-template-columns:1fr;}
  .dias-grid{grid-template-columns:repeat(2,1fr);}
  .modal-box{border-radius:12px;}
  .modal-header,.modal-body,.modal-footer{padding-left:20px;padding-right:20px;}
}