/* ================================================================
   Financiera Soñar — Landing pública (raíz del sitio)

   Extiende el design system del panel (public/css/app.css) en vez de
   inventar una paleta nueva: mismos tokens de marca, misma escala de
   radios y sombras, mismas curvas de animación. Se redeclaran acá
   porque la landing NO carga app.css — esa hoja pesa ~59 KB y arrastra
   sidebar, tablas, modales y print styles que esta página no usa.
   Lo que sí comparte es el criterio; lo que no comparte es el peso.

   Tampoco carga Bootstrap ni bootstrap-icons: los iconos son SVG
   inline. Es la diferencia entre un Lighthouse de 70 y uno de 95+.
================================================================ */

:root{
  /* Marca — idénticos a app.css */
  --ink:#0F172A;
  --ink-2:#1E293B;
  --primary:#2563EB;
  --primary-dark:#1D4ED8;
  --primary-light:#60A5FA;
  --accent:#00D4FF;
  --success:#22C55E;
  --warning:#F59E0B;
  --danger:#EF4444;

  --bg:#F8FAFC;
  --surface:#FFFFFF;
  --border:#E2E8F0;
  --text:#0F172A;
  --muted:#64748B;

  --shadow-sm:0 1px 3px rgba(15,23,42,.06),0 1px 2px rgba(15,23,42,.04);
  --shadow:0 4px 16px rgba(15,23,42,.06),0 1px 3px rgba(15,23,42,.05);
  --shadow-lg:0 12px 32px rgba(15,23,42,.10),0 4px 10px rgba(15,23,42,.05);
  --shadow-glow:0 0 0 1px rgba(37,99,235,.08),0 8px 24px rgba(37,99,235,.14);

  --r-sm:8px; --r:12px; --r-lg:18px; --r-xl:24px;

  --ease:cubic-bezier(.4,0,.2,1);
  --ease-out:cubic-bezier(.16,1,.3,1);

  /* Escala de espaciado única (4/8/12/16/24/32/48/64/96) */
  --s1:4px; --s2:8px; --s3:12px; --s4:16px; --s5:24px;
  --s6:32px; --s7:48px; --s8:64px; --s9:96px;

  --maxw:1160px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  background:var(--bg);color:var(--text);line-height:1.6;
  -webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}
h1,h2,h3,h4{font-family:'Poppins','Inter',system-ui,sans-serif;letter-spacing:-.025em;line-height:1.15}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit;color:inherit}
::selection{background:rgba(37,99,235,.18)}

.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 var(--s5)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* Foco visible siempre — accesibilidad mínima, no un detalle opcional */
:focus-visible{outline:3px solid rgba(37,99,235,.45);outline-offset:2px;border-radius:6px}

/* ── Animaciones: reveal al hacer scroll, nada decorativo ── */
@keyframes fadeUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}
[data-reveal]{opacity:0;transform:translateY(20px);transition:opacity .65s var(--ease-out),transform .65s var(--ease-out)}
[data-reveal].visible{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  [data-reveal]{opacity:1;transform:none}
}

/* ================================================================
   HEADER
================================================================ */
.hdr{
  position:sticky;top:0;z-index:60;
  background:rgba(248,250,252,.82);
  backdrop-filter:saturate(180%) blur(14px);
  -webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid transparent;
  transition:border-color var(--ease) .2s,background var(--ease) .2s;
}
.hdr.scrolled{border-bottom-color:var(--border);background:rgba(248,250,252,.94)}
.hdr .wrap{display:flex;align-items:center;gap:var(--s5);height:72px}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;font-size:1.05rem;font-family:'Poppins',sans-serif;letter-spacing:-.02em}
.brand-mark{
  width:38px;height:38px;border-radius:11px;flex:none;
  display:grid;place-items:center;font-size:1.1rem;
  background:linear-gradient(135deg,var(--primary),var(--ink));
  color:#fff;box-shadow:var(--shadow-sm);
}
.brand span{color:var(--primary)}
.hdr nav{margin-left:auto;display:flex;align-items:center;gap:var(--s5)}
.hdr nav a{font-size:.92rem;font-weight:500;color:var(--muted);transition:color var(--ease) .16s}
.hdr nav a:hover{color:var(--text)}
@media(max-width:860px){.hdr nav .nav-link{display:none}}

/* ================================================================
   BOTONES
================================================================ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:14px 26px;border:1px solid transparent;border-radius:var(--r);
  font-weight:600;font-size:.95rem;cursor:pointer;white-space:nowrap;
  min-height:48px; /* touch target real */
  transition:transform .16s var(--ease),box-shadow .2s var(--ease),background .16s var(--ease),color .16s var(--ease);
}
.btn:active{transform:translateY(1px)}
.btn:disabled{opacity:.55;cursor:not-allowed;transform:none}
.btn-primary{background:var(--primary);color:#fff;box-shadow:var(--shadow-glow)}
.btn-primary:hover:not(:disabled){background:var(--primary-dark);box-shadow:0 0 0 1px rgba(37,99,235,.12),0 12px 30px rgba(37,99,235,.24);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--text);border-color:var(--border)}
.btn-ghost:hover:not(:disabled){background:#fff;border-color:#CBD5E1;box-shadow:var(--shadow-sm)}
.btn-lg{padding:17px 34px;font-size:1rem;min-height:56px}
.btn-block{width:100%}
.btn .spin{width:16px;height:16px;border:2px solid rgba(255,255,255,.35);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite;display:none}
.btn.loading .spin{display:block}
.btn.loading .btn-label{opacity:.75}
@keyframes spin{to{transform:rotate(360deg)}}

/* ================================================================
   HERO — el simulador entra arriba del pliegue a propósito:
   es lo que la página vino a hacer, no una ilustración.
================================================================ */
.hero{position:relative;padding:var(--s8) 0 var(--s9);overflow:hidden}
.hero::before{
  content:'';position:absolute;inset:-40% -20% auto -20%;height:820px;z-index:-1;
  background:
    radial-gradient(48% 42% at 22% 26%,rgba(37,99,235,.13),transparent 68%),
    radial-gradient(40% 38% at 82% 12%,rgba(0,212,255,.13),transparent 66%);
}
.hero .wrap{display:grid;grid-template-columns:1fr 460px;gap:var(--s8);align-items:center}
@media(max-width:980px){
  .hero{padding:var(--s7) 0 var(--s8)}
  .hero .wrap{grid-template-columns:1fr;gap:var(--s7)}
}

.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  padding:7px 15px 7px 11px;border-radius:999px;margin-bottom:var(--s4);
  background:#fff;border:1px solid var(--border);box-shadow:var(--shadow-sm);
  font-size:.8rem;font-weight:600;color:var(--muted);letter-spacing:.01em;
}
.eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--success);box-shadow:0 0 0 3px rgba(34,197,94,.18)}
.hero h1{font-size:clamp(2.2rem,5.1vw,3.5rem);font-weight:800;margin-bottom:var(--s4)}
.hero h1 em{font-style:normal;color:var(--primary);position:relative;white-space:nowrap}
.hero h1 em::after{
  content:'';position:absolute;left:0;right:0;bottom:.06em;height:.28em;z-index:-1;
  background:linear-gradient(90deg,rgba(0,212,255,.3),rgba(37,99,235,.16));border-radius:3px;
}
.hero p.lead{font-size:1.1rem;color:var(--muted);max-width:52ch;margin-bottom:var(--s6)}
.hero-cta{display:flex;flex-wrap:wrap;gap:var(--s3)}
.hero-trust{display:flex;flex-wrap:wrap;gap:var(--s5);margin-top:var(--s6);padding-top:var(--s5);border-top:1px solid var(--border)}
.hero-trust div{display:flex;align-items:center;gap:9px;font-size:.86rem;color:var(--muted);font-weight:500}
.hero-trust svg{color:var(--success);flex:none}

/* ================================================================
   TARJETA DEL SIMULADOR — el elemento firma de la página.
   Es la única pieza con elevación fuerte: todo lo demás queda
   deliberadamente plano para que ésta mande.
================================================================ */
.sim-card{
  background:var(--surface);border:1px solid var(--border);border-radius:var(--r-xl);
  box-shadow:var(--shadow-lg);overflow:hidden;position:relative;
  animation:fadeUp .7s var(--ease-out) both;
}
.sim-card::before{content:'';position:absolute;inset:0 0 auto;height:4px;background:linear-gradient(90deg,var(--primary),var(--accent))}
.sim-head{padding:var(--s5) var(--s5) 0}
.sim-head h2{font-size:1.12rem;font-weight:700;margin-bottom:3px}
.sim-head p{font-size:.84rem;color:var(--muted)}
.sim-body{padding:var(--s5)}

.field{margin-bottom:var(--s5)}
.field:last-child{margin-bottom:0}
.field-label{display:flex;justify-content:space-between;align-items:baseline;gap:var(--s3);margin-bottom:9px}
.field-label span:first-child{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.field-label output{font-family:'Poppins',sans-serif;font-size:1.35rem;font-weight:700;letter-spacing:-.02em;font-variant-numeric:tabular-nums}

.input{
  width:100%;padding:13px 15px;border:1.5px solid var(--border);border-radius:var(--r);
  background:#fff;font-size:.98rem;min-height:48px;
  transition:border-color .16s var(--ease),box-shadow .16s var(--ease);
}
.input:hover{border-color:#CBD5E1}
.input:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 4px rgba(37,99,235,.12)}
.input[aria-invalid="true"]{border-color:var(--danger);box-shadow:0 0 0 4px rgba(239,68,68,.1)}
select.input{appearance:none;cursor:pointer;padding-right:42px;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none' stroke='%2364748B' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='M4 6l4 4 4-4'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 15px center;
}
textarea.input{min-height:92px;resize:vertical;line-height:1.55}
.field-error{display:none;margin-top:6px;font-size:.8rem;color:var(--danger);font-weight:500}
.field-error.on{display:block}

/* Slider de monto */
.range{
  -webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;
  background:linear-gradient(90deg,var(--primary) var(--pct,20%),var(--border) var(--pct,20%));
  margin:var(--s3) 0 6px;cursor:pointer;
}
.range::-webkit-slider-thumb{
  -webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;cursor:grab;
  border:3px solid var(--primary);box-shadow:0 2px 8px rgba(15,23,42,.18);transition:transform .14s var(--ease);
}
.range::-webkit-slider-thumb:hover{transform:scale(1.1)}
.range::-webkit-slider-thumb:active{cursor:grabbing;transform:scale(1.04)}
.range::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:#fff;cursor:grab;border:3px solid var(--primary);box-shadow:0 2px 8px rgba(15,23,42,.18)}
.range-ends{display:flex;justify-content:space-between;font-size:.74rem;color:var(--muted);font-variant-numeric:tabular-nums}

/* Resultado de la simulación */
.result{
  margin-top:var(--s5);padding:var(--s5);border-radius:var(--r-lg);
  background:linear-gradient(150deg,#0F172A,#1E293B);color:#fff;position:relative;overflow:hidden;
}
.result::after{content:'';position:absolute;top:-70px;right:-70px;width:210px;height:210px;border-radius:50%;background:radial-gradient(circle,rgba(0,212,255,.2),transparent 68%)}
.result.calculando{opacity:.55}
.result-hero{position:relative;z-index:1;margin-bottom:var(--s4);padding-bottom:var(--s4);border-bottom:1px solid rgba(255,255,255,.13)}
.result-hero .lbl{font-size:.74rem;text-transform:uppercase;letter-spacing:.09em;color:rgba(255,255,255,.6);font-weight:700;margin-bottom:5px}
.result-hero .val{font-family:'Poppins',sans-serif;font-size:clamp(2rem,7vw,2.6rem);font-weight:800;letter-spacing:-.03em;line-height:1;font-variant-numeric:tabular-nums}
.result-hero .sub{font-size:.87rem;color:rgba(255,255,255,.68);margin-top:7px}
.result-grid{position:relative;z-index:1;display:grid;grid-template-columns:1fr 1fr;gap:var(--s3) var(--s4)}
.result-grid div{display:flex;justify-content:space-between;align-items:baseline;gap:var(--s3);font-size:.87rem;padding:3px 0}
.result-grid dt{color:rgba(255,255,255,.62)}
.result-grid dd{font-weight:600;font-variant-numeric:tabular-nums;text-align:right}
@media(max-width:520px){.result-grid{grid-template-columns:1fr}}
.result-note{position:relative;z-index:1;margin-top:var(--s4);font-size:.74rem;color:rgba(255,255,255,.5);line-height:1.5}

/* Estado vacío: no hay planes publicados */
.sim-empty{padding:var(--s6) var(--s5);text-align:center;color:var(--muted);font-size:.92rem}

/* Skeleton de carga */
.skel{background:linear-gradient(90deg,#EEF2F7 25%,#E2E8F0 37%,#EEF2F7 63%);background-size:400px 100%;animation:shimmer 1.3s infinite;border-radius:var(--r-sm)}
@keyframes shimmer{0%{background-position:-200px 0}100%{background-position:200px 0}}

/* ================================================================
   SECCIONES
================================================================ */
.section{padding:var(--s9) 0}
.section.tinted{background:#fff;border-block:1px solid var(--border)}
.section-head{max-width:620px;margin:0 auto var(--s7);text-align:center}
.section-head .kicker{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.11em;color:var(--primary);margin-bottom:var(--s3);display:block}
.section-head h2{font-size:clamp(1.7rem,3.6vw,2.3rem);font-weight:800;margin-bottom:var(--s3)}
.section-head p{color:var(--muted);font-size:1.02rem}

/* Beneficios */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(226px,1fr));gap:var(--s4)}
.card{
  background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);
  padding:var(--s5);box-shadow:var(--shadow-sm);
  transition:transform .22s var(--ease-out),box-shadow .22s var(--ease-out),border-color .22s var(--ease);
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#CBD5E1}
.card .ico{
  width:46px;height:46px;border-radius:13px;display:grid;place-items:center;margin-bottom:var(--s4);
  background:rgba(37,99,235,.09);color:var(--primary);
}
.card h3{font-size:1rem;font-weight:700;margin-bottom:7px}
.card p{font-size:.89rem;color:var(--muted);line-height:1.6}

/* Cómo funciona — la numeración se usa porque el contenido ES una
   secuencia real: cada paso depende del anterior. */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(212px,1fr));gap:var(--s5);position:relative}
.step{position:relative;padding-top:var(--s5)}
.step::before{
  content:'';position:absolute;top:22px;left:46px;right:-24px;height:2px;
  background:linear-gradient(90deg,var(--border),rgba(226,232,240,.25));
}
.step:last-child::before{display:none}
@media(max-width:900px){.step::before{display:none}}
.step .num{
  width:44px;height:44px;border-radius:14px;display:grid;place-items:center;position:relative;z-index:1;
  background:var(--ink);color:#fff;font-family:'Poppins',sans-serif;font-weight:700;font-size:1rem;
  margin-bottom:var(--s4);box-shadow:var(--shadow-sm);
}
.step:first-child .num{background:linear-gradient(135deg,var(--primary),var(--ink))}
.step h3{font-size:1rem;font-weight:700;margin-bottom:7px}
.step p{font-size:.89rem;color:var(--muted)}

/* ================================================================
   SOLICITUD — flujo de 2 pasos: primero se ve el detalle completo
   de lo que se está por pedir, después se piden los datos. El
   resumen queda pegado a la vista para que nadie complete un
   formulario sin tener presente la cuota que aceptó.
================================================================ */
.apply{display:grid;grid-template-columns:380px 1fr;gap:var(--s7);align-items:start}
@media(max-width:980px){.apply{grid-template-columns:1fr;gap:var(--s5)}}
.apply-aside{position:sticky;top:96px}
@media(max-width:980px){.apply-aside{position:static}}

.panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow);padding:var(--s6)}
@media(max-width:620px){.panel{padding:var(--s5)}}
.panel h3{font-size:1.15rem;font-weight:700;margin-bottom:var(--s2)}
.panel > p.hint{font-size:.88rem;color:var(--muted);margin-bottom:var(--s5)}

.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:var(--s4)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s4)}
@media(max-width:720px){.grid-2,.grid-3{grid-template-columns:1fr}}
.col-span{grid-column:1/-1}
label.lbl{display:block;font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin-bottom:7px}
label.lbl .opt{text-transform:none;letter-spacing:0;font-weight:500;color:#94A3B8}

.check{display:flex;gap:12px;align-items:flex-start;margin-top:var(--s5);font-size:.88rem;color:var(--muted);line-height:1.55}
.check input{width:20px;height:20px;flex:none;margin-top:2px;accent-color:var(--primary);cursor:pointer}
.check a{color:var(--primary);font-weight:600;text-decoration:underline;text-underline-offset:2px}

/* Honeypot: invisible para personas, visible para bots que rellenan todo */
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0;pointer-events:none}

.form-msg{display:none;margin-top:var(--s4);padding:13px 16px;border-radius:var(--r);font-size:.89rem;font-weight:500}
.form-msg.on{display:block;animation:fadeUp .35s var(--ease-out) both}
.form-msg.err{background:rgba(239,68,68,.08);color:#B91C1C;border:1px solid rgba(239,68,68,.2)}
.form-msg.ok{background:rgba(34,197,94,.09);color:#15803D;border:1px solid rgba(34,197,94,.22)}

/* Pantalla de éxito */
.done{text-align:center;padding:var(--s7) var(--s4)}
.done .tick{
  width:76px;height:76px;border-radius:50%;margin:0 auto var(--s5);display:grid;place-items:center;
  background:rgba(34,197,94,.11);color:var(--success);animation:fadeUp .5s var(--ease-out) both;
}
.done h3{font-size:1.5rem;margin-bottom:var(--s3)}
.done p{color:var(--muted);max-width:44ch;margin:0 auto var(--s5)}
.done .ref{display:inline-block;padding:8px 16px;border-radius:99px;background:var(--bg);border:1px solid var(--border);font-size:.86rem;font-weight:600;font-variant-numeric:tabular-nums}

/* Resumen lateral (aside) */
.recap-row{display:flex;justify-content:space-between;align-items:baseline;gap:var(--s3);padding:11px 0;border-bottom:1px solid var(--border);font-size:.9rem}
.recap-row:last-of-type{border-bottom:0}
.recap-row dt{color:var(--muted)}
.recap-row dd{font-weight:600;font-variant-numeric:tabular-nums;text-align:right}
.recap-row.hero-row{padding:var(--s3) 0 var(--s4);border-bottom:2px solid var(--border)}
.recap-row.hero-row dd{font-family:'Poppins',sans-serif;font-size:1.5rem;font-weight:800;color:var(--primary);letter-spacing:-.02em}

/* ================================================================
   FOOTER
================================================================ */
.ftr{background:var(--ink);color:rgba(255,255,255,.62);padding:var(--s8) 0 var(--s5);font-size:.88rem}
.ftr .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.1fr;gap:var(--s6)}
@media(max-width:900px){.ftr .wrap{grid-template-columns:1fr 1fr;gap:var(--s5)}}
@media(max-width:560px){.ftr .wrap{grid-template-columns:1fr;gap:var(--s5)}}
.ftr .brand{color:#fff;margin-bottom:var(--s3)}
.ftr h4{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:var(--s3);font-family:'Inter',sans-serif;font-weight:700}
.ftr ul{list-style:none;display:grid;gap:9px}
.ftr a:hover{color:#fff}
.ftr .legal{
  margin-top:var(--s7);padding-top:var(--s5);border-top:1px solid rgba(255,255,255,.1);
  font-size:.78rem;color:rgba(255,255,255,.42);line-height:1.65;
}

/* Acceso al panel de gestión (pie). Encuadrado para que el personal lo
   encuentre de un vistazo, pero sin el peso visual de un CTA: la única
   acción que la landing tiene que empujar es simular un préstamo. */
.ftr-admin{
  display:inline-flex;align-items:center;gap:8px;
  padding:9px 15px;border-radius:var(--r-sm);
  background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);
  font-size:.83rem;font-weight:600;color:rgba(255,255,255,.78);
  transition:background .18s var(--ease),border-color .18s var(--ease),color .18s var(--ease);
}
.ftr-admin:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.25);color:#fff}
.ftr-admin svg{flex:none;opacity:.85}