/* ============================================================
   Hola Crédito — styles.css
   Diseño "Warm Trust": crema cálida + verde bosque + terracota.
   Tipografía: Bricolage Grotesque (títulos) + Inter (texto).
   ============================================================ */

:root {
  --ink: #22231d;
  --ink2: #54554a;
  --muted: #8a8b7e;
  --line: #e9e4d8;
  --forest: #2f5d43;
  --forest-d: #244a35;
  --forest-soft: #e7f0ea;
  --terra: #c8703c;
  --terra-soft: #faeee2;
  --cream: #f7f2e8;
  --cream2: #efe8d9;
  --card: #fffdf9;
  --gold: #b78a2e;
  --shadow: 0 1px 2px rgba(34, 35, 29, .04), 0 12px 30px rgba(34, 35, 29, .06);
  --shadow-lg: 0 26px 56px rgba(34, 35, 29, .12);
  --radius: 20px;
  --radius-sm: 14px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--ink); background: var(--card); line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden; /* evita scroll horizontal en móvil */
}
img, svg, table { max-width: 100%; }
body.nav-lock, body.modal-lock { overflow: hidden; }

/* ---- Hamburger / botón de menú móvil ---- */
.nav-toggle { display: none; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 12px; background: var(--card); cursor: pointer; flex-direction: column; align-items: center; justify-content: center; gap: 5px; flex: 0 0 auto; transition: .2s; }
.nav-toggle:hover, .nav-toggle.is-open { border-color: var(--forest); background: var(--forest-soft); }
.nav-toggle span { display: block; width: 20px; height: 2px; border-radius: 2px; background: var(--ink); transition: .25s; }
.nav-toggle.is-open span { background: var(--forest); }
.nav-toggle.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.is-open span:nth-child(2) { opacity: 0; }
.nav-toggle.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Botón "Nueva solicitud" (página ofertas): texto corto en móvil */
.btn-nueva .short { display: none; }
@media (max-width: 480px) {
  .btn-nueva .full { display: none; }
  .btn-nueva .short { display: inline; }
  .btn-nueva { padding: 11px 18px; font-size: 14.5px; }
}
img { max-width: 100%; display: block; }
a { text-decoration: none; }
.disp { font-family: 'Bricolage Grotesque', sans-serif; }

.wrap { max-width: 1140px; margin: 0 auto; padding: 0 30px; }

h1, h2, h3, h4 { font-family: 'Bricolage Grotesque', sans-serif; font-weight: 700; letter-spacing: -.02em; line-height: 1.1; }

/* ---------------- Botones ---------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: inherit; font-weight: 700; font-size: 15px;
  padding: 14px 26px; border-radius: 12px; border: 0; cursor: pointer;
  transition: .18s; text-decoration: none;
}
.btn-primary { background: var(--forest); color: #fff; box-shadow: 0 6px 16px rgba(47, 93, 67, .24); }
.btn-primary:hover { background: var(--forest-d); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--ink); border: 1.5px solid var(--line); }
.btn-ghost:hover { border-color: var(--forest); color: var(--forest); }
.btn-block { width: 100%; }
.btn-lg { padding: 16px 30px; font-size: 16px; }
.btn:disabled { opacity: .6; cursor: not-allowed; transform: none; }

.ic { width: 20px; height: 20px; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: 0 0 auto; }

/* ---------------- Header ---------------- */
header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 253, 249, .86); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.nav-links { display: flex; gap: 34px; }
.nav-links a { color: var(--ink2); font-weight: 600; font-size: 14.5px; }
.nav-links a:hover { color: var(--forest); }

.logo { display: flex; align-items: center; gap: 11px; font-family: 'Bricolage Grotesque'; font-size: 22px; font-weight: 700; color: var(--ink); }
.logo .mark {
  width: 36px; height: 36px; border-radius: 11px; flex: 0 0 auto;
  background: var(--forest); display: flex; align-items: center; justify-content: center;
}
.logo .mark svg { width: 19px; height: 19px; stroke: #fff; fill: none; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.logo .accent { color: var(--forest); }

/* ---- Wordmark "Hola" manuscrito + carita ---- */
.logo { gap: 8px; }
.brand-hola { display: inline-flex; align-items: baseline; font-family: 'Pacifico', cursive; font-weight: 400; font-size: 30px; line-height: 1; color: var(--forest); }
.brand-hola .bh-o { position: relative; display: inline-block; width: .68em; height: .68em; margin: 0 .01em; align-self: center; color: var(--terra); }
.brand-hola .bh-o svg { width: 100%; height: 100%; display: block; }
.brand-credito { font-family: 'Bricolage Grotesque', sans-serif; font-weight: 700; font-size: 23px; letter-spacing: -.01em; color: var(--ink); margin-left: 2px; }
/* Sobre fondo verde (footer) */
.footer-brand .brand-hola { color: #fff; }
.footer-brand .brand-hola .bh-o { color: #e8c88a; }
.footer-brand .brand-credito { color: #fff; }

/* ---------------- Hero + Calculadora ---------------- */
.hero { background: linear-gradient(180deg, var(--cream), var(--card)); padding: 70px 0 80px; }
.hero-grid { display: grid; grid-template-columns: 1.04fr .96fr; gap: 56px; align-items: center; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--card); border: 1px solid var(--line); color: var(--forest);
  font-weight: 700; font-size: 12.5px; padding: 7px 15px; border-radius: 999px; margin-bottom: 22px;
}
.eyebrow .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--terra); }
.hero h1 { font-size: clamp(36px, 4.6vw, 54px); font-weight: 700; line-height: 1.03; }
.hero h1 .u { color: var(--forest); }
.hero-sub { font-size: 18px; color: var(--ink2); margin: 22px 0 30px; max-width: 470px; }
.hero-cta { display: flex; gap: 14px; align-items: center; flex-wrap: wrap; margin-bottom: 34px; }
.hero-trust { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; font-size: 13.5px; color: var(--ink2); font-weight: 600; }
.hero-trust .row { display: flex; align-items: center; gap: 8px; }
.hero-trust .ic { stroke: var(--forest); width: 18px; height: 18px; }
.hero-trust .stars { color: var(--gold); letter-spacing: 1px; font-size: 15px; }

/* calculadora */
.calc-mock { position: relative; display: flex; justify-content: center; }
.calc-card {
  width: 100%; max-width: 440px; background: var(--card); border: 1px solid var(--line);
  border-radius: 24px; box-shadow: var(--shadow-lg); overflow: hidden; position: relative; z-index: 2;
}
.calc-head { background: var(--forest); color: #fff; padding: 20px 26px; display: flex; align-items: center; justify-content: space-between; }
.calc-head .t { font-family: 'Bricolage Grotesque'; font-weight: 700; font-size: 17px; }
.calc-head .b { font-size: 11px; font-weight: 700; background: rgba(255, 255, 255, .16); padding: 5px 11px; border-radius: 999px; }
.calc-body { padding: 28px 26px; }
.slider-row { margin-bottom: 24px; }
.slider-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 12px; }
.slider-head label { font-weight: 600; font-size: 13.5px; color: var(--ink2); }
.slider-head output { font-family: 'Bricolage Grotesque'; font-weight: 700; font-size: 26px; color: var(--forest); }

input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px;
  border-radius: 999px; background: var(--cream2); outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 26px; height: 26px; border-radius: 50%;
  background: #fff; border: 4px solid var(--forest); box-shadow: 0 3px 8px rgba(47, 93, 67, .35); cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 4px solid var(--forest); cursor: grab;
}
.slider-limits { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted); margin-top: 7px; font-weight: 600; }

.calc-summary {
  background: var(--cream); border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 16px 18px; display: grid; gap: 10px; margin-bottom: 20px;
}
.calc-summary .row { display: flex; justify-content: space-between; font-size: 14px; }
.calc-summary .row span { color: var(--ink2); font-weight: 600; }
.calc-summary .row strong { font-weight: 800; }
.calc-summary .row strong.green { color: var(--forest); }
.calc-summary .row.total { border-top: 1px dashed var(--line); padding-top: 11px; font-size: 15.5px; }
.calc-summary .row.total strong { font-family: 'Bricolage Grotesque'; font-size: 18px; }
.calc-note { text-align: center; font-size: 12px; color: var(--muted); margin-top: 14px; display: flex; align-items: center; justify-content: center; gap: 6px; }
.calc-note svg { width: 14px; height: 14px; stroke: var(--forest); fill: none; stroke-width: 1.8; }

.badge-float {
  position: absolute; background: var(--card); border: 1px solid var(--line); border-radius: 15px;
  box-shadow: var(--shadow-lg); padding: 12px 15px; display: flex; align-items: center; gap: 10px; z-index: 3;
  top: -18px; right: -14px;
}
.badge-float .bi { width: 36px; height: 36px; border-radius: 10px; background: var(--forest-soft); display: flex; align-items: center; justify-content: center; flex: 0 0 auto; }
.badge-float .bi svg { stroke: var(--forest); width: 20px; height: 20px; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.badge-float b { font-size: 13.5px; font-weight: 800; display: block; line-height: 1.2; }
.badge-float span { font-size: 11px; color: var(--muted); font-weight: 600; }

/* ---------------- Value strip ---------------- */
.vstrip { background: var(--forest); color: #fff; }
.vstrip .wrap { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; padding: 30px 30px; text-align: center; }
.vs b { font-family: 'Bricolage Grotesque'; display: block; font-size: 26px; font-weight: 700; }
.vs span { font-size: 12.5px; color: #c1d6c9; font-weight: 600; }

/* ---------------- Secciones ---------------- */
.section { padding: 88px 0; }
.section-warm { background: var(--cream); }
.section-head { max-width: 600px; margin: 0 auto 54px; text-align: center; }
.kicker { display: inline-block; color: var(--terra); font-weight: 800; font-size: 13px; letter-spacing: .05em; text-transform: uppercase; margin-bottom: 12px; }
.section-head h2 { font-size: clamp(28px, 3.6vw, 40px); }
.section-head p { color: var(--ink2); margin-top: 12px; font-size: 16.5px; }

/* pasos */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.step-card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; box-shadow: var(--shadow); position: relative; }
.step-card .art { width: 60px; height: 60px; border-radius: 16px; background: var(--forest-soft); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.step-card .art svg { width: 32px; height: 32px; stroke: var(--forest); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.step-card .n { position: absolute; top: 26px; right: 26px; font-family: 'Bricolage Grotesque'; font-size: 34px; font-weight: 700; color: var(--cream2); line-height: 1; }
.step-card h3 { font-size: 18px; margin-bottom: 7px; }
.step-card p { font-size: 14.5px; color: var(--ink2); }

/* ventajas */
.feat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.feat-card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); transition: .18s; }
.feat-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.feat-card .fic { width: 48px; height: 48px; border-radius: 13px; background: var(--forest-soft); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.feat-card .fic svg { stroke: var(--forest); width: 24px; height: 24px; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.feat-card h3 { font-size: 17px; margin-bottom: 8px; }
.feat-card p { font-size: 14.5px; color: var(--ink2); }

/* entidades */
.lenders-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.lender-chip { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 14px; text-align: center; box-shadow: var(--shadow); }
.lender-chip .avatar { width: 52px; height: 52px; margin: 0 auto 12px; border-radius: 14px; color: #fff; font-family: 'Bricolage Grotesque'; font-weight: 700; font-size: 22px; display: flex; align-items: center; justify-content: center; }
.lender-chip .lender-logo { width: 92px; height: 52px; margin: 0 auto 12px; border-radius: 12px; background: #fff; border: 1px solid var(--line); display: flex; align-items: center; justify-content: center; overflow: hidden; }
.lender-chip .lender-logo img { width: 100%; height: 100%; object-fit: contain; padding: 6px 10px; }
.lender-chip .lender-logo.noimg { width: 52px; color: #fff; font-family: 'Bricolage Grotesque'; font-weight: 700; font-size: 22px; border: 0; }
.lender-chip strong { display: block; font-size: 15px; font-family: 'Bricolage Grotesque'; }
.lender-chip small { color: var(--muted); font-weight: 600; font-size: 12.5px; }
.lender-chip .tag { display: inline-block; margin-top: 10px; font-size: 11px; font-weight: 700; background: var(--forest-soft); color: var(--forest-d); padding: 3px 10px; border-radius: 999px; }
.lenders-note { text-align: center; margin-top: 30px; }

/* ---------------- FAQ ---------------- */
.faq-list { max-width: 760px; margin: 0 auto; display: grid; gap: 12px; }
.faq-item { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-sm); overflow: hidden; }
.faq-item summary { cursor: pointer; list-style: none; padding: 19px 22px; font-family: 'Bricolage Grotesque'; font-weight: 700; font-size: 16px; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; color: var(--forest); font-size: 22px; font-weight: 400; transition: .2s; flex: 0 0 auto; }
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item .faq-body { padding: 0 22px 19px; color: var(--ink2); font-size: 14.5px; }

/* ---------------- CTA final ---------------- */
.cta-banner { background: var(--terra); border-radius: 24px; padding: 56px 48px; text-align: center; color: #fff; position: relative; overflow: hidden; }
.cta-banner::before { content: ''; position: absolute; bottom: -100px; left: -60px; width: 300px; height: 300px; border-radius: 50%; background: rgba(255, 255, 255, .1); }
.cta-banner h2 { font-size: 32px; color: #fff; position: relative; }
.cta-banner p { opacity: .92; margin: 12px auto 26px; max-width: 470px; position: relative; font-size: 16.5px; }
.cta-banner .btn { background: #fff; color: var(--terra); position: relative; }

/* ---------------- Footer ---------------- */
footer { background: var(--ink); color: #b6b7ab; padding: 56px 0 30px; font-size: 14px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr 1fr; gap: 36px 32px; margin-bottom: 36px; }
.footer-grid h3 { color: #fff; font-size: 15px; margin-bottom: 14px; font-weight: 700; }
.footer-grid a { color: #b6b7ab; display: block; margin-bottom: 9px; font-weight: 600; }
.footer-grid a:hover { color: #fff; }
.footer-brand .logo { color: #fff; margin-bottom: 14px; }
.footer-brand .logo .accent { color: #7fae92; }
.footer-brand p { font-size: 13.5px; color: var(--muted); max-width: 300px; line-height: 1.65; }
.footer-legal { border-top: 1px solid rgba(255, 255, 255, .12); padding-top: 22px; font-size: 11.5px; line-height: 1.7; color: #7a7b6f; }
.footer-legal p + p { margin-top: 10px; }
.footer-legal strong { color: #d8d9cd; }
.footer-copy { margin-top: 18px; font-size: 12.5px; text-align: center; color: #7a7b6f; }

/* ---------------- Modal formulario ---------------- */
.modal { position: fixed; inset: 0; z-index: 100; display: none; align-items: center; justify-content: center; padding: 20px; background: rgba(34, 35, 29, .5); backdrop-filter: blur(4px); }
.modal.open { display: flex; }
body.modal-lock { overflow: hidden; }
.modal-box { background: var(--card); border-radius: 24px; width: 100%; max-width: 480px; max-height: calc(100vh - 40px); overflow-y: auto; padding: 32px 30px; position: relative; box-shadow: var(--shadow-lg); scrollbar-width: none; -ms-overflow-style: none; }
.modal-box::-webkit-scrollbar { width: 0; height: 0; display: none; }
.modal-close { position: absolute; top: 14px; right: 14px; width: 42px; height: 42px; border-radius: 50%; border: 0; background: var(--cream); color: var(--ink2); font-size: 19px; cursor: pointer; font-weight: 800; }
.modal-close:hover { background: var(--forest-soft); color: var(--forest); }
.modal-box h2 { font-size: 24px; margin-bottom: 6px; }
.modal-summary { background: var(--forest-soft); color: var(--forest-d); border-radius: var(--radius-sm); padding: 11px 16px; font-size: 14.5px; margin: 14px 0 22px; font-weight: 600; }
.modal-summary b { font-weight: 800; }

.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 700; font-size: 14px; margin-bottom: 6px; }
.req { color: var(--terra); font-weight: 800; }
.field input[type="text"], .field input[type="tel"], .field input[type="email"] {
  width: 100%; font-family: inherit; font-size: 16px; font-weight: 500;
  padding: 13px 16px; border-radius: var(--radius-sm); border: 1.5px solid var(--line);
  outline: none; color: var(--ink); background: #fff; transition: border-color .15s;
}
.field input:focus { border-color: var(--forest); }
.field input.invalid { border-color: #dc2626; background: #fef2f2; }
.field-error { color: #dc2626; font-size: 12.5px; font-weight: 700; margin-top: 5px; min-height: 0; }

.check-field { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 12px; }
.check-field input { margin-top: 4px; width: 17px; height: 17px; accent-color: var(--forest); flex: 0 0 auto; cursor: pointer; }
.check-field label { font-size: 13px; color: var(--ink2); font-weight: 500; cursor: pointer; }
.check-field a { color: var(--forest); font-weight: 700; }

.modal-secure { display: flex; align-items: center; justify-content: center; gap: 7px; font-size: 12.5px; color: var(--muted); font-weight: 600; margin-top: 16px; }
.modal-secure svg { width: 14px; height: 14px; stroke: var(--forest); fill: none; stroke-width: 1.8; }

/* ============================================================
   Página /procesando/
   ============================================================ */
.loading-wrap {
  min-height: 100vh; display: flex; flex-direction: column; align-items: center; justify-content: center;
  text-align: center; padding: 40px 24px; background: linear-gradient(180deg, var(--cream), var(--card));
}
.loading-wrap .logo { margin-bottom: 44px; }
.spinner { position: relative; width: 120px; height: 120px; margin-bottom: 34px; }
.spinner svg { width: 120px; height: 120px; animation: spin 1.4s linear infinite; }
.spinner circle { fill: none; stroke: var(--forest); stroke-width: 5; stroke-linecap: round; stroke-dasharray: 90 150; }
@keyframes spin { to { transform: rotate(360deg); } }
.spinner-pct { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; font-family: 'Bricolage Grotesque'; font-weight: 700; font-size: 25px; color: var(--ink); }
.loading-title { font-size: clamp(24px, 4vw, 32px); margin-bottom: 8px; }
.loading-sub { color: var(--ink2); font-size: 16px; margin-bottom: 32px; }
.loading-steps { list-style: none; display: grid; gap: 12px; text-align: left; margin-bottom: 34px; min-width: min(340px, 90vw); }
.loading-steps li { display: flex; align-items: center; gap: 12px; font-weight: 600; font-size: 15px; color: var(--muted); }
.loading-steps li .dot { width: 22px; height: 22px; border-radius: 50%; border: 2.5px solid var(--line); flex: 0 0 auto; transition: all .25s; position: relative; }
.loading-steps li.active { color: var(--ink); }
.loading-steps li.active .dot { border-color: var(--forest); box-shadow: 0 0 0 4px var(--forest-soft); }
.loading-steps li.done { color: var(--forest); }
.loading-steps li.done .dot { border-color: var(--forest); background: var(--forest); }
.loading-steps li.done .dot::after { content: '✓'; position: absolute; inset: 0; color: #fff; font-size: 12px; font-weight: 900; display: flex; align-items: center; justify-content: center; }
.loading-bar { width: min(340px, 90vw); height: 10px; border-radius: 999px; background: var(--cream2); overflow: hidden; margin-bottom: 26px; }
.loading-bar-fill { height: 100%; width: 0; border-radius: 999px; background: var(--forest); transition: width .2s linear; }
.loading-secure { display: flex; align-items: center; gap: 7px; font-size: 13px; font-weight: 600; color: var(--muted); }
.loading-secure svg { width: 15px; height: 15px; stroke: var(--forest); fill: none; stroke-width: 1.8; }

/* ============================================================
   Página /ofertas/ — nueva tarjeta de oferta
   ============================================================ */
.offers-hero { background: linear-gradient(180deg, var(--cream), var(--card)); padding: 48px 0 40px; text-align: center; border-bottom: 1px solid var(--line); }
.offers-badge { display: inline-flex; align-items: center; gap: 7px; background: var(--forest-soft); color: var(--forest-d); font-weight: 700; font-size: 13.5px; padding: 7px 16px; border-radius: 999px; margin-bottom: 16px; }
.offers-badge svg { width: 15px; height: 15px; stroke: var(--forest); fill: none; stroke-width: 2; }
.offers-hero h1 { font-size: clamp(26px, 4vw, 38px); margin-bottom: 8px; }
.offers-hero p { color: var(--ink2); font-size: 16.5px; }
.offers-summary { display: flex; justify-content: center; gap: 14px; margin-top: 26px; flex-wrap: wrap; }
.osum-item { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 12px 24px; box-shadow: var(--shadow); min-width: 130px; }
.osum-item strong { display: block; font-family: 'Bricolage Grotesque'; font-size: 19px; font-weight: 700; color: var(--forest); }
.osum-item span { font-size: 12.5px; color: var(--muted); font-weight: 600; }

.offers-list-wrap { max-width: 900px; margin: 0 auto; padding: 44px 30px 60px; }
.offers-list { display: grid; gap: 22px; }
.offers-loading, .offers-error { text-align: center; color: var(--muted); font-weight: 600; padding: 40px 0; }

.ocard { background: var(--card); border: 1px solid var(--line); border-radius: 22px; box-shadow: var(--shadow); position: relative; transition: .18s; }
.ocard > * { position: relative; }
.ocard-head:first-child, .ocard-badge + .ocard-head { border-radius: 22px 22px 0 0; }
.ocard:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.ocard-top-card { border-color: var(--forest); box-shadow: 0 0 0 1.5px var(--forest), var(--shadow-lg); }
.ocard-head { display: flex; align-items: center; gap: 16px; padding: 22px 26px 18px; }
.ocard-top-card .ocard-head { background: linear-gradient(180deg, var(--forest-soft), transparent); }
.ocard-logo { width: 104px; height: 60px; border-radius: 12px; flex: 0 0 auto; overflow: hidden; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow); background: #fff; border: 1px solid var(--line); }
.ocard-logo img { width: 100%; height: 100%; object-fit: contain; padding: 8px 12px; }
.ocard-logo.noimg { width: 60px; color: #fff; font-family: 'Bricolage Grotesque'; font-weight: 700; font-size: 23px; border: 0; background: var(--forest); }
.ocard-brand h3 { font-size: 20px; display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.ocard-rank { background: var(--forest); color: #fff; font-family: 'Inter'; font-size: 11px; font-weight: 800; padding: 3px 10px; border-radius: 999px; display: inline-flex; align-items: center; gap: 5px; }
.ocard-rank svg { width: 12px; height: 12px; stroke: #fff; fill: none; stroke-width: 2; flex: 0 0 auto; }
.ocard-rank.plain { background: var(--cream2); color: var(--ink2); }
.ocard-rating { display: flex; align-items: center; gap: 7px; font-size: 12.5px; color: var(--muted); font-weight: 600; margin-top: 4px; }
.ocard-rating .stars { color: var(--gold); letter-spacing: .5px; }
.ocard-score { margin-left: auto; text-align: center; flex: 0 0 auto; padding-left: 16px; }
.ocard-score strong { font-family: 'Bricolage Grotesque'; display: block; font-size: 24px; font-weight: 700; color: var(--forest); line-height: 1; }
.ocard-score span { font-size: 10.5px; color: var(--muted); font-weight: 700; text-transform: uppercase; letter-spacing: .04em; }

/* Badge de la entidad (esquina superior) */
.ocard-badge { position: absolute; top: -11px; left: 26px; background: var(--terra); color: #fff; font-size: 11.5px; font-weight: 800; padding: 4px 13px; border-radius: 999px; display: inline-flex; align-items: center; gap: 5px; box-shadow: var(--shadow); z-index: 1; }
.ocard-badge.top { background: linear-gradient(135deg, var(--forest), var(--forest-d)); }
.ocard-badge svg { width: 13px; height: 13px; fill: #fff; flex: 0 0 auto; }

.ocard-usp { padding: 0 26px 14px; font-size: 14px; color: var(--ink2); display: flex; gap: 9px; align-items: flex-start; }
.ocard-usp svg { width: 17px; height: 17px; fill: var(--terra); flex: 0 0 auto; margin-top: 2px; }

/* Highlights (3 puntos destacados) */
.ocard-highlights { list-style: none; margin: 0; padding: 0 26px 16px; display: grid; gap: 8px; }
.ocard-highlights li { display: flex; gap: 9px; align-items: flex-start; font-size: 13.5px; color: var(--ink); font-weight: 600; }
.ocard-highlights li svg { width: 16px; height: 16px; stroke: var(--forest); fill: none; stroke-width: 2.6; flex: 0 0 auto; margin-top: 2px; }

.ocard-metrics { display: grid; grid-template-columns: repeat(5, 1fr); gap: 8px; padding: 0 26px 18px; }
.ocard-metrics .m { background: var(--cream); border-radius: 12px; padding: 12px 8px; text-align: center; }
.ocard-metrics .m span { display: block; font-size: 10px; color: var(--muted); font-weight: 700; text-transform: uppercase; letter-spacing: .02em; margin-bottom: 3px; }
.ocard-metrics .m strong { font-family: 'Bricolage Grotesque'; font-size: 14px; font-weight: 700; white-space: nowrap; }
.ocard-metrics .m strong.g { color: var(--forest); }

.ocard-foot { display: flex; align-items: center; gap: 16px; padding: 18px 26px; border-top: 1px solid var(--line); flex-wrap: wrap; }
.ocard-tags { display: flex; gap: 8px; flex-wrap: wrap; flex: 1; }
.otag { display: inline-flex; align-items: center; gap: 5px; background: var(--forest-soft); color: var(--forest-d); font-size: 12px; font-weight: 700; padding: 5px 11px; border-radius: 999px; }
.otag svg { width: 12px; height: 12px; stroke: var(--forest); fill: none; stroke-width: 2.4; flex: 0 0 auto; }
.ocard-cta-wrap { text-align: center; flex: 0 0 auto; }
.ocard-cta-wrap small { display: block; font-size: 11px; color: var(--muted); margin-top: 6px; }
/* Legal plegable */
.ocard-legal-wrap { border-top: 1px solid var(--line); padding: 0 26px; }
.ocard-legal-wrap summary { cursor: pointer; list-style: none; padding: 12px 0; font-size: 11.5px; font-weight: 700; color: var(--muted); display: flex; align-items: center; gap: 6px; }
.ocard-legal-wrap summary::-webkit-details-marker { display: none; }
.ocard-legal-wrap summary::before { content: '+'; font-size: 15px; color: var(--forest); font-weight: 700; }
.ocard-legal-wrap[open] summary::before { content: '−'; }
.ocard-legal { font-size: 11px; color: var(--muted); line-height: 1.6; padding: 0 0 16px; margin: 0; }

.offers-disclaimer { margin-top: 34px; font-size: 12.5px; color: var(--ink2); line-height: 1.7; background: var(--cream); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px 20px; }
.offers-footer { background: var(--ink); padding: 22px 0; }
.offers-footer .copy { color: #7a7b6f; font-size: 12.5px; text-align: center; }
.offers-footer .copy a { color: #b6b7ab; }

/* ============================================================
   Páginas legales / contenido
   ============================================================ */
.page-hero { background: var(--cream); padding: 48px 0 40px; border-bottom: 1px solid var(--line); }
.page-hero h1 { font-size: clamp(28px, 4vw, 38px); }
.page-hero p { color: var(--ink2); margin-top: 10px; font-size: 16px; }
.page-body { max-width: 780px; margin: 0 auto; padding: 48px 30px 72px; }
.page-body h2 { font-size: 22px; margin: 34px 0 12px; }
.page-body h2:first-child { margin-top: 0; }
.page-body p, .page-body li { color: var(--ink2); font-size: 15.5px; margin-bottom: 12px; }
.page-body ul { padding-left: 22px; margin-bottom: 14px; }
.page-body a { color: var(--forest); font-weight: 700; }
.page-body strong { color: var(--ink); }

/* ---------------- 404 ---------------- */
.err-wrap { min-height: 80vh; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; padding: 40px 20px; }
.err-wrap .big { font-family: 'Bricolage Grotesque'; font-size: 90px; font-weight: 700; color: var(--forest); line-height: 1; }
.err-wrap h1 { margin: 12px 0 8px; }
.err-wrap p { color: var(--ink2); margin-bottom: 26px; }

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 1150px) and (min-width: 961px) {
  /* Footer con 5 bloques: marca a lo ancho + 4 columnas de enlaces */
  .footer-grid { grid-template-columns: repeat(4, 1fr); }
  .footer-brand { grid-column: 1 / -1; }
  .footer-brand p { max-width: 520px; }
}
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  /* En móvil: primero el texto del hero, luego la calculadora (orden natural) */
  .calc-mock { order: 0; }
  .vstrip .wrap { grid-template-columns: 1fr 1fr; gap: 24px; }
  .steps-grid { grid-template-columns: 1fr 1fr; }
  .feat-grid { grid-template-columns: 1fr 1fr; }
  .lenders-grid { grid-template-columns: repeat(3, 1fr); }
  .nav-links { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .section { padding: 60px 0; }
  .wrap { padding: 0 16px; }
  .steps-grid, .feat-grid { grid-template-columns: 1fr; }
  .lenders-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .cta-banner { padding: 40px 24px; }
  .modal-box { padding: 28px 22px; }
  .offers-summary { gap: 10px; }
  .osum-item { min-width: 0; flex: 0 0 calc(50% - 5px); padding: 12px 14px; }

  /* ---- Offer card: compactar para que nunca desborde ---- */
  .offers-list-wrap { padding: 34px 16px 50px; }
  .ocard-head { gap: 12px; padding: 20px 16px 14px; flex-wrap: wrap; }
  .ocard-logo { width: 78px; height: 46px; }
  .ocard-brand { min-width: 0; flex: 1; }
  .ocard-brand h3 { font-size: 17px; }
  .ocard-badge { left: 16px; }
  .ocard-score { padding-left: 10px; }
  .ocard-score strong { font-size: 20px; }
  .ocard-usp, .ocard-highlights, .ocard-metrics { padding-left: 16px; padding-right: 16px; }
  .ocard-metrics { grid-template-columns: repeat(2, 1fr); gap: 8px; }
  .ocard-metrics .m strong { white-space: normal; }   /* permitir 2 líneas si hace falta */
  .ocard-foot { flex-direction: column; align-items: stretch; padding: 16px; gap: 12px; }
  .ocard-foot .btn, .ocard-foot .ocard-cta-wrap { width: 100%; }
  .ocard-tags { justify-content: center; }
  .ocard-legal-wrap { padding: 0 16px; }
}

/* ============================================================
   Drawer móvil + arreglos responsive del header/hero
   ============================================================ */
@media (max-width: 900px) {
  .nav-toggle { display: flex; }
  .nav { gap: 10px; height: 64px; }
  /* Con hamburguesa, el CTA vive dentro del drawer → cabecera limpia (solo logo + menú) */
  .nav-cta-btn { display: none; }
  .hero { padding-top: 28px; }
}
@media (max-width: 400px) {
  .logo { font-size: 20px; }
  .brand-hola { font-size: 25px; }
  .brand-credito { font-size: 19px; }
}

.mdrawer { position: fixed; inset: 0; z-index: 90; display: none; }
.mdrawer.open { display: block; }
.mdrawer-backdrop { position: absolute; inset: 0; background: rgba(34,35,29,.5); backdrop-filter: blur(2px); }
.mdrawer-panel {
  position: absolute; top: 0; right: 0; bottom: 0; width: min(88vw, 360px);
  background: var(--card); box-shadow: -12px 0 40px rgba(34,35,29,.18);
  padding: 18px 22px 30px; overflow-y: auto;
  transform: translateX(100%); transition: transform .28s ease;
}
.mdrawer.open .mdrawer-panel { transform: translateX(0); }
/* Cabecera del drawer: logo + botón cerrar */
.mdrawer-head { display: flex; align-items: center; justify-content: space-between; margin: 0 -4px 16px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
.mdrawer-head .logo { font-size: 20px; }
.mdrawer-close { width: 40px; height: 40px; border: 1px solid var(--line); border-radius: 10px; background: var(--card); color: var(--ink); cursor: pointer; display: flex; align-items: center; justify-content: center; flex: 0 0 auto; transition: .18s; }
.mdrawer-close:hover { border-color: var(--forest); background: var(--forest-soft); color: var(--forest); }
.mdrawer-close svg { width: 20px; height: 20px; }
.mdrawer-group { padding: 12px 0; border-top: 1px solid var(--line); }
.mdrawer-group:first-of-type { border-top: 0; }
.mdrawer-title { display: block; font-family: 'Bricolage Grotesque'; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: 8px; }
.mdrawer-panel a { display: flex; align-items: center; gap: 12px; padding: 11px 8px; border-radius: 10px; color: var(--ink); font-weight: 600; font-size: 15px; text-decoration: none; }
.mdrawer-panel a:hover { background: var(--cream); }
.mdrawer-panel a.btn { justify-content: center; color: #fff; }
.mdrawer-panel .mi { width: 32px; height: 32px; border-radius: 9px; background: var(--forest-soft); display: flex; align-items: center; justify-content: center; flex: 0 0 auto; }
.mdrawer-panel .mi svg { width: 18px; height: 18px; stroke: var(--forest); fill: none; stroke-width: 1.8; }

/* Hero + calculadora: evitar desbordes en móvil */
@media (max-width: 900px) {
  .hero { padding: 40px 0 56px; }
  .hero h1 { font-size: clamp(28px, 8vw, 40px); word-break: break-word; }
  .calc-card { max-width: 100%; }
  .calc-mock { flex-direction: column; }
  /* El badge flotante "Aprobado" es decoración de escritorio: en móvil estorba → ocultar */
  .badge-float { display: none; }
}