/* banesco emprendimiento financiero — terracota + navy warm */
:root {
  --terra: #C25E3A;
  --terra-dark: #9E4A2F;
  --terra-soft: #FCEEE8;
  --navy: #1B365D;
  --navy-soft: #E8EEF5;
  --gold: #E8A838;
  --gold-soft: #FEF6E4;
  --sand: #F6F1EB;
  --ink: #1E293B;
  --gray: #64748B;
  --white: #FFFFFF;
  --border: #E2DDD5;
  --shadow: 0 20px 50px rgba(27,54,93,.12);
  --radius: 16px;
  --font-display: 'Bitter', Georgia, serif;
  --font-body: 'Manrope', system-ui, sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);line-height:1.7;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--terra)}
.container{width:min(1160px,92vw);margin-inline:auto}
.skip-link{position:absolute;left:-9999px;z-index:9999;background:var(--navy);color:#fff;padding:12px 18px}
.skip-link:focus{left:0}

.trust-bar{background:var(--navy);color:#94A3B8;font-size:.74rem;text-align:center;padding:9px 14px}
.trust-bar strong{color:#FCD34D}
.trust-bar a{color:#FDBA74;text-decoration:none;margin:0 4px}

.site-header{background:var(--white);border-bottom:3px solid var(--terra);position:sticky;top:0;z-index:200;box-shadow:0 2px 16px rgba(0,0,0,.05)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px}
.logo-link{text-decoration:none}
.logo-link svg,.logo-link img{height:50px;width:auto}
.nav-toggle{display:none;background:var(--terra);color:#fff;border:none;border-radius:10px;padding:9px 16px;font-weight:700;cursor:pointer;font-family:var(--font-body)}
.main-nav ul{display:flex;list-style:none;gap:4px;align-items:center;flex-wrap:wrap}
.main-nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.86rem;padding:8px 12px;border-radius:8px}
.main-nav a:hover{background:var(--terra-soft);color:var(--terra)}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 26px;border-radius:10px;font-family:var(--font-body);font-weight:700;font-size:.9rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:.25s}
.btn-terra{background:var(--terra);color:#fff}
.btn-terra:hover{background:var(--terra-dark);transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:#142a4a}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:#d4962f}
.btn-outline{border-color:var(--border);color:var(--ink);background:var(--white)}
.btn-outline:hover{border-color:var(--terra);color:var(--terra)}
.btn-lg{padding:15px 32px}

.bcv-line{background:var(--gold-soft);color:var(--ink);text-align:center;padding:9px;font-size:.82rem;font-weight:600}
.bcv-line strong{color:var(--terra)}

/* Hero portada nueva */
.hero-portada{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:40px;
  align-items:center;
  padding:56px 0 64px;
  background:linear-gradient(160deg,var(--sand) 0%,var(--white) 45%,var(--navy-soft) 100%);
  position:relative;
  overflow:hidden;
}
.hero-portada::after{
  content:'';
  position:absolute;
  bottom:0;left:0;right:0;height:6px;
  background:linear-gradient(90deg,var(--terra),var(--gold),var(--navy));
}
.hero-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--white);border:1px solid var(--border);
  padding:8px 16px;border-radius:999px;
  font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;
  color:var(--terra);margin-bottom:20px;
}
.hero-badge::before{content:'';width:8px;height:8px;border-radius:50%;background:var(--gold)}
.hero-portada h1{
  font-family:var(--font-display);
  font-size:clamp(2.1rem,4.5vw,3.4rem);
  line-height:1.12;
  margin-bottom:20px;
  color:var(--navy);
}
.hero-portada h1 span{color:var(--terra)}
.hero-portada .lead{color:var(--gray);font-size:1.05rem;max-width:520px;margin-bottom:14px}
.hero-portada .lead2{color:var(--ink);font-size:.95rem;max-width:500px;margin-bottom:28px;font-weight:500}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:28px}
.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;max-width:520px}
.hero-stat{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:14px;text-align:center;box-shadow:0 4px 16px rgba(0,0,0,.04)}
.hero-stat strong{display:block;font-size:1.3rem;color:var(--terra);font-family:var(--font-display)}
.hero-stat span{font-size:.7rem;color:var(--gray);font-weight:600}

.hero-media{position:relative}
.hero-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);border:5px solid var(--white)}
.hero-img img{width:100%;aspect-ratio:5/6;object-fit:cover}
.hero-chip{
  position:absolute;bottom:24px;left:-16px;
  background:var(--navy);color:#fff;
  padding:16px 20px;border-radius:var(--radius);
  box-shadow:var(--shadow);max-width:200px;
}
.hero-chip strong{display:block;font-size:1.4rem;color:var(--gold);font-family:var(--font-display)}
.hero-chip span{font-size:.75rem;opacity:.9}
.hero-chip2{
  position:absolute;top:20px;right:-12px;
  background:var(--terra);color:#fff;
  padding:12px 18px;border-radius:12px;font-weight:800;font-size:.85rem;
  box-shadow:var(--shadow);
}

.terra-band{background:var(--terra);color:#fff;text-align:center;padding:16px;font-weight:700;font-size:.9rem;line-height:1.5}

.stats-bar{background:var(--navy);color:#fff;padding:40px 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stats-grid strong{display:block;font-size:2rem;font-family:var(--font-display);color:var(--gold)}
.stats-grid span{font-size:.82rem;opacity:.85}

.section{padding:76px 0}
.section-sand{background:var(--sand)}
.section-navy-soft{background:var(--navy-soft)}
.section-head{margin-bottom:44px}
.section-head.center{text-align:center;max-width:680px;margin-inline:auto;margin-bottom:44px}
.tag-terra{display:inline-block;background:var(--terra-soft);color:var(--terra);font-size:.7rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;padding:6px 14px;border-radius:6px;margin-bottom:12px}
.section-head h2{font-family:var(--font-display);font-size:clamp(1.7rem,3vw,2.4rem);line-height:1.2;margin-bottom:12px;color:var(--navy)}
.section-head p{color:var(--gray)}

.ads-disclaimer{background:var(--gold-soft);border:2px solid #FDE68A;border-radius:var(--radius);padding:18px 22px;font-size:.86rem;color:var(--ink);margin-bottom:32px;line-height:1.65}
.ads-disclaimer strong{color:var(--terra-dark)}

.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.benefit-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:28px 24px;transition:.3s}
.benefit-card:hover{box-shadow:var(--shadow);border-color:var(--terra-soft);transform:translateY(-3px)}
.benefit-icon{font-size:2rem;margin-bottom:12px}
.benefit-card h3{font-family:var(--font-display);font-size:1.05rem;margin-bottom:10px;color:var(--navy)}
.benefit-card p{color:var(--gray);font-size:.88rem}

.audience-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.audience-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;box-shadow:0 4px 20px rgba(0,0,0,.04)}
.audience-card img{width:100%;height:180px;object-fit:cover}
.audience-body{padding:22px}
.audience-body h3{font-family:var(--font-display);font-size:1.1rem;margin-bottom:10px;color:var(--navy)}
.audience-body p{color:var(--gray);font-size:.88rem;margin-bottom:12px}
.audience-body ul{padding-left:18px;color:var(--gray);font-size:.84rem}
.audience-body li{margin-bottom:6px}

.svc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.svc-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;transition:.3s;position:relative}
.svc-card:hover{box-shadow:var(--shadow);border-color:var(--terra-soft);transform:translateY(-3px)}
.svc-card img{width:100%;height:170px;object-fit:cover}
.svc-num{position:absolute;top:14px;left:14px;width:34px;height:34px;background:var(--terra);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.85rem}
.svc-body{padding:20px 22px}
.svc-body h3{font-family:var(--font-display);font-size:1.08rem;margin-bottom:6px;color:var(--navy)}
.svc-for{font-size:.78rem;font-weight:700;color:var(--terra);text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px}
.svc-body p{color:var(--gray);font-size:.88rem;margin-bottom:10px;line-height:1.55}
.svc-detail{font-size:.8rem;color:var(--navy);font-weight:600;margin-bottom:10px}
.svc-price{font-weight:800;color:var(--terra);font-size:1.05rem}
.svc-price small{font-weight:600;color:var(--gray);font-size:.76rem;margin-left:6px}

.steps-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.step-card{background:var(--white);border-top:4px solid var(--terra);border-radius:0 0 var(--radius) var(--radius);padding:28px 22px;box-shadow:0 4px 20px rgba(0,0,0,.04)}
.step-card .num{font-size:2rem;font-weight:800;color:var(--terra-soft);font-family:var(--font-display);line-height:1;margin-bottom:8px}
.step-card h3{font-family:var(--font-display);font-size:1.05rem;margin-bottom:10px;color:var(--navy)}
.step-card p{color:var(--gray);font-size:.88rem}

.edu-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.edu-card{display:flex;gap:18px;background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:24px}
.edu-num{flex-shrink:0;width:44px;height:44px;background:var(--navy);color:var(--gold);border-radius:12px;display:flex;align-items:center;justify-content:center;font-weight:800;font-family:var(--font-display)}
.edu-card h3{font-family:var(--font-display);font-size:1rem;margin-bottom:8px;color:var(--navy)}
.edu-card p{color:var(--gray);font-size:.88rem}

.price-table{width:100%;border-collapse:collapse;background:var(--white);border-radius:var(--radius);overflow:hidden;border:1px solid var(--border)}
.price-table th,.price-table td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--border);font-size:.9rem}
.price-table th{background:var(--navy);color:#fff;font-weight:700}
.price-table tr:last-child td{border-bottom:0}
.price-table tr:hover td{background:var(--sand)}
.price-table .usd{font-weight:800;color:var(--terra)}

.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.testi-card{background:var(--white);border-left:4px solid var(--terra);border-radius:0 var(--radius) var(--radius) 0;padding:28px 24px;box-shadow:0 4px 20px rgba(0,0,0,.04)}
.testi-card blockquote{font-style:italic;color:var(--gray);font-size:.92rem;margin-bottom:14px;line-height:1.65}
.testi-card cite{font-size:.8rem;font-weight:700;color:var(--navy);font-style:normal}

.faq-list{max-width:800px;margin:0 auto}
.faq-item{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);margin-bottom:10px;overflow:hidden}
.faq-q{width:100%;text-align:left;background:var(--white);border:0;padding:18px 22px;font-weight:700;font-size:.95rem;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-family:var(--font-body);color:var(--navy)}
.faq-q::after{content:'+';font-size:1.3rem;color:var(--terra);font-weight:400}
.faq-item.open .faq-q::after{content:'−'}
.faq-a{display:none;padding:0 22px 18px;color:var(--gray);font-size:.9rem;line-height:1.65}
.faq-item.open .faq-a{display:block}

.about-split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.about-split img{border-radius:var(--radius);box-shadow:var(--shadow)}
.check-list{list-style:none;padding:0;margin:20px 0}
.check-list li{padding:10px 0 10px 28px;position:relative;font-size:.92rem;color:var(--gray);border-bottom:1px solid var(--border)}
.check-list li::before{content:'✓';position:absolute;left:0;color:var(--terra);font-weight:800}

.contact-wrap{display:grid;grid-template-columns:1fr 1.2fr;gap:32px;align-items:start}
.contact-box{background:var(--navy);color:#fff;border-radius:var(--radius);padding:32px}
.contact-box h3{font-family:var(--font-display);font-size:1.4rem;margin-bottom:20px;color:var(--gold)}
.contact-box ul{list-style:none}
.contact-box li{margin-bottom:14px;font-size:.9rem;opacity:.9}
.contact-box a{color:var(--gold)}
.contact-form{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow)}
.contact-form label{display:block;font-weight:700;font-size:.82rem;margin-bottom:6px;color:var(--navy)}
.contact-form input,.contact-form select,.contact-form textarea{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:10px;font-family:inherit;font-size:.92rem;margin-bottom:16px}
.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{outline:2px solid var(--terra-soft);border-color:var(--terra)}
.contact-form input.bad,.contact-form select.bad,.contact-form textarea.bad{border-color:#dc2626}
.field-err{display:none;color:#dc2626;font-size:.78rem;margin:-12px 0 12px}
.field-err.on{display:block}
.f-alert{padding:12px;border-radius:10px;margin-bottom:16px;display:none;font-size:.88rem}
.f-alert.ok{background:#DCFCE7;color:#166534}
.f-alert.err{background:#FEE2E2;color:#991B1B}
.consent-row{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;margin-bottom:16px;color:var(--gray)}
.consent-row input{margin-top:4px}
.map-wrap{border-radius:var(--radius);overflow:hidden;border:1px solid var(--border);margin-top:32px}
.map-wrap iframe{width:100%;height:340px;border:0}

.site-footer{background:var(--navy);color:#94A3B8;padding:56px 0 24px;font-size:.88rem}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:32px;margin-bottom:32px}
.site-footer h4{color:#fff;font-family:var(--font-display);margin-bottom:14px}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:8px}
.site-footer a{color:#94A3B8;text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;text-align:center;font-size:.78rem}

#cookieBanner{position:fixed;bottom:0;left:0;right:0;background:var(--navy);color:#fff;padding:16px 24px;z-index:300;transform:translateY(110%);transition:.35s;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}
#cookieBanner.visible{transform:translateY(0)}
body.cookie-visible{padding-bottom:90px}
.cookie-btns{display:flex;gap:10px}
.cookie-btns button{padding:10px 18px;border-radius:8px;border:none;font-weight:700;cursor:pointer;font-family:inherit}
#cookieEssential{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.3)}
#cookieAccept{background:var(--gold);color:var(--navy)}

/* Catalog */
.catalog-hero{background:linear-gradient(135deg,var(--navy),#142a4a);color:#fff;padding:100px 0 48px;text-align:center}
.catalog-hero h1{font-family:var(--font-display);font-size:clamp(2rem,4vw,2.8rem);margin-bottom:10px}
.catalog-hero p{opacity:.85}
.catalog-body{padding:48px 0 72px}

/* Legal */
.legal-page{padding:100px 0 60px}
.legal-page h1{font-family:var(--font-display);color:var(--navy)}
.legal-meta{color:var(--gray)}
.legal-page h2{margin-top:28px;color:var(--navy);font-family:var(--font-display)}
.legal-page p,.legal-page li{color:var(--gray);font-size:.92rem}
.legal-page table{width:100%;border-collapse:collapse;margin:16px 0;font-size:.88rem}
.legal-page th,.legal-page td{border:1px solid var(--border);padding:10px}
.legal-page th{background:var(--navy-soft)}

/* Catalog detail */
.catalog-list{display:grid;gap:24px;padding:0 0 48px}
.cat-item{display:grid;grid-template-columns:220px 1fr;background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;box-shadow:0 4px 20px rgba(0,0,0,.04)}
.cat-item img{width:100%;min-height:220px;object-fit:cover}
.cat-content{padding:26px 28px}
.cat-content h2{font-family:var(--font-display);font-size:1.2rem;margin-bottom:10px;color:var(--navy)}
.cat-meta{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:12px}
.cat-meta span{background:var(--terra-soft);padding:5px 12px;border-radius:999px;font-size:.74rem;font-weight:600;color:var(--terra)}
.cat-content .desc,.cat-content .long-desc{color:var(--gray);font-size:.9rem;line-height:1.65;margin-bottom:12px}
.cat-content .inc{font-size:.82rem;background:var(--gold-soft);padding:10px 12px;border-radius:8px;margin-bottom:12px}
.cat-content .price{font-size:1.15rem;font-weight:800;color:var(--terra)}
.cat-content .price small{font-size:.76rem;color:var(--gray);font-weight:600}

@media(max-width:960px){
  .hero-portada,.about-split,.contact-wrap,.benefits-grid,.audience-grid,.svc-grid,.steps-4,.testi-grid,.edu-grid,.footer-grid{grid-template-columns:1fr}
  .hero-stats,.stats-grid{grid-template-columns:repeat(2,1fr)}
  .hero-chip{left:12px}
  .hero-chip2{right:12px}
  .steps-4{grid-template-columns:repeat(2,1fr)}
  .cat-item{grid-template-columns:1fr}
}
@media(max-width:640px){
  .nav-toggle{display:block}
  .main-nav{position:absolute;top:100%;left:0;right:0;background:var(--white);border-bottom:1px solid var(--border);padding:16px;display:none}
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;align-items:stretch}
  .hero-stats,.stats-grid,.steps-4{grid-template-columns:1fr}
  .section{padding:52px 0}
}