/* ============================================================
   BERCO CRÉDITO — DESIGN SYSTEM
   Colores corporativos del sitio original (Elementor kit-8)
   ============================================================ */

:root{
  /* Brand colors */
  --navy:        #02365E;   /* primary deep */
  --navy-2:      #023F70;
  --navy-3:      #052E4F;
  --teal:        #0BB18F;   /* primary action */
  --teal-2:      #0A9E80;
  --mint:        #65DCB2;   /* light accent */
  --aqua:        #85DBE5;   /* lightest accent */
  --peach:       #FFBC7D;   /* warm accent */
  --peach-2:     #F2A862;

  /* Neutrals */
  --ink:         #1A2433;
  --gray-900:    #2E3744;
  --gray-700:    #54595F;
  --gray-500:    #7A7A7A;
  --gray-300:    #C8CFD6;
  --gray-100:    #EEF3F7;
  --gray-50:     #F5F8FA;
  --line:        #E1E8EE;
  --white:       #FFFFFF;

  /* Solid brand fills (no gradients) */
  --grad-brand:  var(--navy);
  --grad-fresh:  var(--teal);
  --grad-warm:   var(--peach);
  --grad-soft:   var(--gray-50);

  /* Shadows */
  --shadow-xs:   0 1px 2px rgba(2,54,94,.06);
  --shadow-sm:   0 4px 12px rgba(2,54,94,.06), 0 1px 3px rgba(2,54,94,.04);
  --shadow:      0 12px 32px -10px rgba(2,54,94,.18), 0 4px 14px rgba(2,54,94,.06);
  --shadow-lg:   0 30px 60px -20px rgba(2,54,94,.28), 0 10px 24px rgba(2,54,94,.08);
  --shadow-teal: 0 10px 26px -10px rgba(11,177,143,.5);

  /* Radii */
  --r-sm:        10px;
  --r:           16px;
  --r-lg:        24px;
  --r-pill:      999px;

  /* Layout */
  --container:   1180px;
  --section-py:  96px;

  /* Type */
  --font-sans:    'Inter', -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-display: 'Plus Jakarta Sans', var(--font-sans);

  /* Motion */
  --t-fast:  .18s cubic-bezier(.4, 0, .2, 1);
  --t-med:   .32s cubic-bezier(.4, 0, .2, 1);
  --t-slow:  .55s cubic-bezier(.22, 1, .36, 1);
}

/* ============================================================
   RESET / BASE
   ============================================================ */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:var(--font-sans);
  font-size:16.5px;
  line-height:1.65;
  color:var(--ink);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img,svg{display:block;max-width:100%}
img{height:auto}
a{color:var(--teal);text-decoration:none;transition:color var(--t-fast)}
a:hover{color:var(--teal-2)}
h1,h2,h3,h4,h5{
  font-family:var(--font-display);color:var(--navy);
  line-height:1.18;margin:0 0 .55em;letter-spacing:-.018em;
}
h1{font-size:clamp(2.2rem,4.6vw,3.6rem);font-weight:800}
h2{font-size:clamp(1.85rem,3.4vw,2.65rem);font-weight:800}
h3{font-size:1.32rem;font-weight:700}
h4{font-size:1.1rem;font-weight:700}
p{margin:0 0 1em}
ul,ol{padding-left:1.2em}
hr{border:0;border-top:1px solid var(--line);margin:32px 0}
strong{color:var(--navy);font-weight:700}

/* ============================================================
   LAYOUT PRIMITIVES
   ============================================================ */
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 24px}
.section{padding:var(--section-py) 0;position:relative}
.section-sm{padding:60px 0}
.bg-soft{background:var(--gray-50)}
.bg-navy{background:var(--navy);color:#cfe1ee}
.bg-navy h1,.bg-navy h2,.bg-navy h3,.bg-navy h4{color:#fff}
.bg-gradient{background:var(--grad-brand);color:#fff}
.bg-gradient h1,.bg-gradient h2,.bg-gradient h3,.bg-gradient h4{color:#fff}

.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:.76rem;font-weight:700;letter-spacing:.12em;
  text-transform:uppercase;color:var(--teal);
  background:rgba(11,177,143,.1);padding:7px 15px;border-radius:var(--r-pill);
  margin-bottom:16px;white-space:nowrap;line-height:1;
}
.eyebrow svg{width:15px;height:15px;flex-shrink:0;stroke-width:2}
.eyebrow.on-dark{color:var(--mint);background:rgba(101,220,178,.12)}
.eyebrow.peach{color:var(--peach-2);background:rgba(255,188,125,.16)}

/* Safe default sizing for any inline icon in text contexts */
.more svg{width:16px;height:16px;flex-shrink:0}
.breadcrumbs svg{width:14px;height:14px;flex-shrink:0}

.sec-head{text-align:center;max-width:760px;margin:0 auto 56px}
.sec-head p{color:var(--gray-700);font-size:1.08rem;margin-top:8px}
.sec-head.on-dark p{color:#c8d8e6}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn{
  display:inline-flex;align-items:center;gap:9px;
  padding:14px 26px;font:600 .98rem/1 var(--font-sans);
  border-radius:12px;border:0;cursor:pointer;
  transition:transform var(--t-fast), box-shadow var(--t-med), background var(--t-fast), color var(--t-fast);
  text-decoration:none;white-space:nowrap;
}
.btn svg{width:16px;height:16px;transition:transform var(--t-fast)}
.btn:hover svg{transform:translateX(3px)}

.btn-primary{background:var(--teal);color:#fff;box-shadow:var(--shadow-teal)}
.btn-primary:hover{background:var(--teal-2);color:#fff;transform:translateY(-2px);box-shadow:0 14px 30px -8px rgba(11,177,143,.6)}

.btn-navy{background:var(--navy);color:#fff;box-shadow:0 10px 24px -10px rgba(2,54,94,.55)}
.btn-navy:hover{background:var(--navy-2);color:#fff;transform:translateY(-2px)}

.btn-peach{background:var(--peach);color:var(--navy);box-shadow:0 10px 24px -10px rgba(255,188,125,.65)}
.btn-peach:hover{background:var(--peach-2);color:var(--navy);transform:translateY(-2px)}

.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line)}
.btn-ghost:hover{background:var(--gray-50);border-color:var(--navy);color:var(--navy);transform:translateY(-2px)}

.btn-ghost-light{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.35)}
.btn-ghost-light:hover{background:rgba(255,255,255,.1);border-color:#fff;color:#fff;transform:translateY(-2px)}

.btn-white{background:#fff;color:var(--navy);box-shadow:0 12px 26px -10px rgba(0,0,0,.18)}
.btn-white:hover{transform:translateY(-2px);color:var(--navy);box-shadow:0 18px 32px -10px rgba(0,0,0,.22)}

/* ============================================================
   TOP UTILITY BAR
   ============================================================ */
.topbar{
  background:var(--navy);color:#bcd0e2;
  font-size:.86rem;border-bottom:1px solid rgba(255,255,255,.06);
}
.topbar .container{
  display:flex;justify-content:space-between;align-items:center;
  height:42px;flex-wrap:wrap;gap:14px;
}
.topbar a{color:#bcd0e2;display:inline-flex;align-items:center;gap:7px}
.topbar a:hover{color:#fff}
.topbar svg{width:14px;height:14px;color:var(--mint);flex-shrink:0}
.topbar-left,.topbar-right{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.topbar-left span{display:inline-flex;align-items:center;gap:7px}

/* ============================================================
   HEADER / NAV
   ============================================================ */
header.site{
  position:sticky;top:0;z-index:80;
  background:rgba(255,255,255,.94);
  backdrop-filter:saturate(180%) blur(14px);
  -webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid transparent;
  transition:border-color var(--t-med), box-shadow var(--t-med);
}
header.site.scrolled{border-bottom-color:var(--line);box-shadow:0 6px 24px -16px rgba(2,54,94,.18)}
header.site .container{display:flex;align-items:center;justify-content:space-between;height:82px;transition:height var(--t-med)}
header.site.scrolled .container{height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand img{height:46px;width:auto;transition:height var(--t-med)}
header.site.scrolled .brand img{height:38px}

nav.primary{display:flex;align-items:center;gap:28px}
nav.primary > a{
  color:var(--navy);font-weight:600;font-size:.96rem;
  position:relative;padding:8px 0;
}
nav.primary > a::after{
  content:"";position:absolute;left:0;right:100%;bottom:0;
  height:2px;background:var(--teal);
  transition:right var(--t-med);
}
nav.primary > a:hover::after,
nav.primary > a.active::after{right:0}
nav.primary > a.active{color:var(--teal)}

/* Dropdown */
.has-dropdown{position:relative}
.has-dropdown > a{display:inline-flex;align-items:center}
.has-dropdown > a::after{
  content:"";display:inline-block;width:7px;height:7px;margin-left:8px;
  border-right:1.6px solid currentColor;border-bottom:1.6px solid currentColor;
  transform:translateY(-2px) rotate(45deg);
  transition:transform var(--t-fast);
}
.has-dropdown:hover > a::after{transform:translateY(1px) rotate(225deg)}
.dropdown{
  position:absolute;top:100%;left:50%;transform:translate(-50%, 8px);
  background:#fff;min-width:240px;
  border-radius:var(--r);box-shadow:var(--shadow-lg);
  padding:10px;opacity:0;visibility:hidden;
  transition:opacity var(--t-med), transform var(--t-med), visibility var(--t-med);
}
.has-dropdown:hover .dropdown{opacity:1;visibility:visible;transform:translate(-50%, 0)}
.dropdown a{
  display:flex;align-items:center;gap:10px;padding:10px 12px;
  border-radius:10px;color:var(--gray-900);font-weight:500;font-size:.94rem;
  transition:background var(--t-fast), color var(--t-fast);
}
.dropdown a:hover{background:var(--gray-50);color:var(--teal)}
.dropdown a svg{width:18px;height:18px;color:var(--teal);flex-shrink:0}

.nav-cta{display:flex;align-items:center;gap:12px}
.nav-burger{display:none;background:transparent;border:0;cursor:pointer;padding:8px}
.nav-burger svg{width:28px;height:28px;color:var(--navy)}

/* ============================================================
   HERO (home variant)
   ============================================================ */
.hero{
  padding:70px 0 100px;overflow:hidden;
  background:var(--gray-50);
  border-bottom:1px solid var(--line);
}
.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}
.hero h1 .accent{color:var(--teal)}
.hero p.lead{font-size:1.16rem;color:var(--gray-700);max-width:560px;margin:18px 0 32px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
.hero-quick{display:flex;gap:26px;flex-wrap:wrap;color:var(--gray-700);font-size:.92rem}
.hero-quick span{display:inline-flex;gap:7px;align-items:center}
.hero-quick svg{width:18px;height:18px;color:var(--teal)}

.hero-visual{position:relative}
.hero-photo{
  border-radius:var(--r-lg);overflow:hidden;
  box-shadow:var(--shadow-lg);
  aspect-ratio:4/5;background:var(--gray-100);
}
.hero-photo img{width:100%;height:100%;object-fit:cover}
.hero-deco{display:none}
.float-card{
  position:absolute;background:#fff;
  padding:16px 20px;border-radius:16px;
  box-shadow:var(--shadow-lg);
  display:flex;align-items:center;gap:14px;
  animation:float-anim 6s ease-in-out infinite;
}
.float-card .num{font:800 1.55rem/1 var(--font-display);color:var(--navy)}
.float-card .lbl{font-size:.82rem;color:var(--gray-700);line-height:1.25}
.float-card .icon{
  width:42px;height:42px;border-radius:12px;
  background:rgba(11,177,143,.1);color:var(--teal);
  display:grid;place-items:center;flex-shrink:0;
}
.float-card .icon svg{width:22px;height:22px}
.fc-1{bottom:24px;left:-28px;animation-delay:0s}
.fc-2{top:26px;right:-20px;animation-delay:1.5s}
.fc-3{top:46%;right:-44px;animation-delay:3s}
@keyframes float-anim{
  0%,100%{transform:translateY(0)}
  50%{transform:translateY(-8px)}
}

/* ============================================================
   PREMIUM PAGE HERO (.phero) — asymmetric split with visual
   ============================================================ */
.phero{
  position:relative;overflow:hidden;
  padding:60px 0 70px;
  background:var(--gray-50);
  border-bottom:1px solid var(--line);
}
.phero::before{content:none}
.phero::after{
  content:"";position:absolute;inset:0;z-index:0;pointer-events:none;opacity:.5;
  background-image:radial-gradient(rgba(2,54,94,.06) 1px, transparent 1px);
  background-size:26px 26px;
  -webkit-mask-image:radial-gradient(circle at 70% 30%, #000, transparent 72%);
  mask-image:radial-gradient(circle at 70% 30%, #000, transparent 72%);
}
@keyframes mesh-move{
  0%,100%{background-position:0% 0%, 100% 100%, 50% 100%}
  50%{background-position:30% 20%, 70% 80%, 40% 70%}
}
.phero .container{position:relative;z-index:1}
.phero-split{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}
.phero-content .eyebrow{margin-bottom:18px}
.phero h1{
  font-size:clamp(2rem,4vw,3.1rem);margin-bottom:16px;
}
.phero h1 .accent{
  background:var(--grad-fresh);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.phero .lead{color:var(--gray-700);font-size:1.13rem;max-width:560px;margin:0 0 26px}
.phero-cta{display:flex;gap:13px;flex-wrap:wrap;margin-bottom:26px}
.phero-meta{
  display:flex;gap:0;flex-wrap:wrap;
  border:1px solid var(--line);border-radius:14px;overflow:hidden;
  background:rgba(255,255,255,.6);backdrop-filter:blur(6px);
  width:fit-content;max-width:100%;
}
.phero-meta .m{
  padding:12px 22px;display:flex;flex-direction:column;gap:2px;
  border-right:1px solid var(--line);
}
.phero-meta .m:last-child{border-right:0}
.phero-meta .m b{font:800 1.3rem/1 var(--font-display);color:var(--navy)}
.phero-meta .m span{font-size:.78rem;color:var(--gray-700)}

/* breadcrumbs (left aligned for split hero) */
.breadcrumbs{
  display:flex;gap:9px;align-items:center;
  color:var(--gray-500);font-size:.86rem;margin-bottom:20px;flex-wrap:wrap;
}
.breadcrumbs a{color:var(--gray-700)}
.breadcrumbs a:hover{color:var(--teal)}
.breadcrumbs .sep{color:var(--gray-300)}

/* phero visual — image variant */
.phero-visual{position:relative}
.phero-visual.image .frame{
  border-radius:var(--r-lg);overflow:hidden;
  box-shadow:var(--shadow-lg);aspect-ratio:4/3.4;background:var(--gray-100);
  transform:perspective(1200px) rotateY(-4deg) rotateX(1.5deg);
  transition:transform var(--t-slow);
}
.phero-visual.image:hover .frame{transform:perspective(1200px) rotateY(0) rotateX(0)}
.phero-visual.image .frame img{width:100%;height:100%;object-fit:cover}
.phero-visual .v-badge{
  position:absolute;background:#fff;padding:14px 18px;border-radius:14px;
  box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:12px;
  animation:float-anim 6s ease-in-out infinite;
}
.phero-visual .v-badge .ic{
  width:40px;height:40px;border-radius:11px;flex-shrink:0;
  background:rgba(11,177,143,.12);color:var(--teal);display:grid;place-items:center;
}
.phero-visual .v-badge .ic svg{width:21px;height:21px}
.phero-visual .v-badge b{font:800 1.3rem/1 var(--font-display);color:var(--navy);display:block}
.phero-visual .v-badge span{font-size:.78rem;color:var(--gray-700)}
.phero-visual .vb-1{bottom:18px;left:-24px;animation-delay:.2s}
.phero-visual .vb-2{top:22px;right:-20px;animation-delay:2s}

/* phero visual — glass panel variant */
.phero-visual.panel .glass{
  border-radius:var(--r-lg);padding:28px;
  background:var(--navy);
  box-shadow:var(--shadow-lg);color:#cfe1ee;position:relative;overflow:hidden;
}
.phero-visual.panel .glass::before{content:none}
.phero-visual.panel .glass > *{position:relative;z-index:1}
.phero-visual.panel .glass h3{color:#fff;margin-bottom:18px}
.panel-stats{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:18px}
.panel-stats .ps{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:13px;padding:16px}
.panel-stats .ps b{font:800 1.7rem/1 var(--font-display);color:#fff;display:block}
.panel-stats .ps span{font-size:.8rem;color:#9fc4d8}
.panel-list{list-style:none;padding:0;margin:0;font-size:.93rem}
.panel-list li{display:flex;gap:10px;align-items:flex-start;padding:6px 0}
.panel-list li svg{width:18px;height:18px;color:var(--mint);flex-shrink:0;margin-top:2px}

/* compact phero (legal pages) */
.phero.compact{padding:54px 0 56px}
.phero.compact .phero-split{grid-template-columns:1fr;max-width:820px}
.phero.compact h1{font-size:clamp(1.9rem,3.4vw,2.6rem)}
.phero.compact .lead{font-size:1.08rem;max-width:680px}
.phero-watermark{
  position:absolute;right:-40px;top:50%;transform:translateY(-50%);
  width:280px;height:280px;color:rgba(11,177,143,.07);z-index:0;pointer-events:none;
}
.phero-watermark svg{width:100%;height:100%}

/* ============================================================
   TRUST STRIP
   ============================================================ */
.trust{background:var(--navy);color:#cfe1ee;padding:30px 0}
.trust .container{
  display:flex;justify-content:space-around;align-items:center;
  flex-wrap:wrap;gap:30px;
}
.trust-item{display:flex;align-items:center;gap:14px}
.trust-item .ic{
  width:46px;height:46px;border-radius:12px;
  background:rgba(101,220,178,.15);color:var(--mint);
  display:grid;place-items:center;flex-shrink:0;
}
.trust-item .ic svg{width:24px;height:24px}
.trust-item .big{font:800 1.45rem/1 var(--font-display);color:#fff}
.trust-item .lbl{font-size:.84rem;color:#9fbace;line-height:1.3;margin-top:2px}

/* ============================================================
   SERVICE CARDS
   ============================================================ */
.cards-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(250px, 1fr));
  gap:24px;
}
.card{
  background:#fff;border:1px solid var(--line);
  border-radius:var(--r-lg);padding:32px 28px;
  transition:transform var(--t-med), box-shadow var(--t-med), border-color var(--t-med);
  display:flex;flex-direction:column;text-decoration:none;color:inherit;
  position:relative;overflow:hidden;
}
.card::before{
  content:"";position:absolute;left:0;right:0;top:0;height:4px;
  background:var(--grad-fresh);
  transform:scaleX(0);transform-origin:left;
  transition:transform var(--t-slow);
}
.card:hover{
  transform:translateY(-6px);
  box-shadow:var(--shadow-lg);
  border-color:transparent;
  color:inherit;
}
.card:hover::before{transform:scaleX(1)}
.card .icon{
  width:60px;height:60px;border-radius:14px;
  background:rgba(11,177,143,.1);
  color:var(--teal);
  display:grid;place-items:center;margin-bottom:22px;
  transition:transform var(--t-med);
}
.card:hover .icon{transform:scale(1.08) rotate(-4deg)}
.card .icon svg{width:28px;height:28px}
.card h3{margin-bottom:10px;color:var(--navy)}
.card p{color:var(--gray-700);font-size:.96rem;flex:1;margin-bottom:18px}
.card .more{
  color:var(--teal);font-weight:600;font-size:.93rem;
  display:inline-flex;gap:6px;align-items:center;
  transition:gap var(--t-fast);
}
.card:hover .more{gap:12px;color:var(--teal-2)}

/* Card color variants — rotating accent */
.card.v-teal .icon{background:rgba(11,177,143,.12);color:var(--teal)}
.card.v-mint .icon{background:rgba(101,220,178,.18);color:#0A9E80}
.card.v-aqua .icon{background:rgba(133,219,229,.22);color:#0F8E9C}
.card.v-peach .icon{background:rgba(255,188,125,.22);color:#D17A2E}

/* ============================================================
   ABOUT / SPLIT SECTION
   ============================================================ */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split.reverse{direction:rtl}
.split.reverse > *{direction:ltr}

.img-frame{
  border-radius:var(--r-lg);overflow:hidden;
  box-shadow:var(--shadow-lg);position:relative;
}
.img-frame img{width:100%;aspect-ratio:5/4;object-fit:cover}
.img-badge{
  position:absolute;bottom:24px;left:24px;
  background:#fff;padding:18px 22px;border-radius:14px;
  box-shadow:var(--shadow);
  display:flex;align-items:center;gap:14px;
}
.img-badge .num{font:800 1.9rem/1 var(--font-display);color:var(--teal)}
.img-badge .lbl{font-size:.82rem;color:var(--gray-700);line-height:1.25}

.feature-list{list-style:none;padding:0;margin:24px 0 32px}
.feature-list li{
  padding:10px 0;display:flex;gap:12px;align-items:flex-start;
  font-size:1.02rem;
}
.feature-list li svg{
  width:22px;height:22px;color:var(--teal);
  flex-shrink:0;margin-top:2px;
}

/* ============================================================
   STATS
   ============================================================ */
.stats-grid{
  display:grid;grid-template-columns:repeat(auto-fit, minmax(210px, 1fr));
  gap:20px;
}
.stat{
  background:#fff;border:1px solid var(--line);
  border-radius:var(--r);padding:30px 24px;
  text-align:center;
  transition:transform var(--t-med), box-shadow var(--t-med);
}
.stat:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.stat .num{
  font:800 2.6rem/1 var(--font-display);
  background:var(--grad-brand);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.stat .lbl{color:var(--gray-700);font-size:.94rem;margin-top:10px}

/* ============================================================
   TEAM
   ============================================================ */
.team-grid{
  display:grid;grid-template-columns:repeat(auto-fit, minmax(320px, 1fr));
  gap:30px;
}
.team-card{
  background:#fff;border:1px solid var(--line);
  border-radius:var(--r-lg);overflow:hidden;
  display:flex;
  transition:transform var(--t-med), box-shadow var(--t-med);
}
.team-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.team-photo{width:180px;flex-shrink:0;background:var(--gray-100)}
.team-photo img{width:100%;height:100%;object-fit:cover}
.team-info{padding:26px 28px;flex:1;display:flex;flex-direction:column;justify-content:center}
.team-info h3{margin-bottom:4px}
.team-info .role{color:var(--teal);font-weight:600;font-size:.92rem;margin-bottom:14px}
.team-contact{list-style:none;padding:0;margin:0;font-size:.93rem}
.team-contact li{display:flex;align-items:center;gap:10px;padding:5px 0;color:var(--gray-700)}
.team-contact a{color:var(--gray-700)}
.team-contact a:hover{color:var(--teal)}
.team-contact svg{width:15px;height:15px;color:var(--teal);flex-shrink:0}

/* ============================================================
   PROCESS / TIMELINE
   ============================================================ */
.timeline{display:grid;grid-template-columns:repeat(auto-fit, minmax(220px, 1fr));gap:24px;position:relative}
.step{
  background:#fff;border:1px solid var(--line);
  border-radius:var(--r);padding:28px 24px;
  position:relative;
  transition:transform var(--t-med), box-shadow var(--t-med);
}
.step:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.step .step-num{
  position:absolute;top:-18px;left:24px;
  width:36px;height:36px;border-radius:50%;
  background:var(--grad-brand);color:#fff;
  display:grid;place-items:center;
  font:800 .95rem/1 var(--font-display);
  box-shadow:var(--shadow);
}
.step h4{margin-top:12px;margin-bottom:8px}
.step p{color:var(--gray-700);font-size:.94rem;margin:0}

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq{max-width:780px;margin:0 auto}
.faq details{
  background:#fff;border:1px solid var(--line);
  border-radius:var(--r);margin-bottom:14px;
  transition:border-color var(--t-fast), box-shadow var(--t-fast);
  overflow:hidden;
}
.faq details[open]{border-color:var(--mint);box-shadow:var(--shadow-sm)}
.faq summary{
  list-style:none;cursor:pointer;
  padding:20px 56px 20px 24px;
  font-weight:600;color:var(--navy);font-size:1.04rem;
  position:relative;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"";position:absolute;right:24px;top:50%;
  width:12px;height:12px;
  border-right:2px solid var(--teal);border-bottom:2px solid var(--teal);
  transform:translateY(-70%) rotate(45deg);
  transition:transform var(--t-med);
}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq .ans{padding:0 24px 22px;color:var(--gray-700)}

/* ============================================================
   CTA BIG
   ============================================================ */
.cta-big{
  background:var(--navy);
  color:#fff;text-align:center;
  position:relative;overflow:hidden;
}
.cta-big::before{content:none}
.cta-big .container{position:relative;z-index:2}
.cta-big h2{color:#fff}
.cta-big p{color:#cfe1ee;font-size:1.1rem;max-width:620px;margin:14px auto 30px}
.cta-big .btn-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ============================================================
   CONTACT
   ============================================================ */
.contact-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:36px;align-items:stretch}
.contact-card{
  background:#fff;border:1px solid var(--line);
  border-radius:var(--r-lg);padding:34px;
  display:flex;flex-direction:column;
}
.contact-card h3{margin-bottom:6px}
.contact-card .sub{color:var(--gray-700);margin-bottom:22px}
.contact-block{padding:14px 0;border-top:1px solid var(--line)}
.contact-block:first-of-type{border-top:0;padding-top:0}
.contact-block .lbl{
  font-size:.76rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;color:var(--teal);margin-bottom:8px;
}
.contact-block p,.contact-block a{color:var(--ink);margin:0;font-weight:500;display:block}
.contact-block a:hover{color:var(--teal)}
.contact-map{
  border-radius:var(--r-lg);overflow:hidden;
  box-shadow:var(--shadow);min-height:440px;
  background:var(--gray-100);
}
.contact-map iframe{width:100%;height:100%;border:0;display:block;min-height:440px}

/* ============================================================
   CONTACT FORM
   ============================================================ */
.form{display:grid;gap:16px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form label{
  display:block;font-size:.85rem;font-weight:600;
  color:var(--navy);margin-bottom:6px;
}
.form input,.form textarea,.form select{
  width:100%;padding:13px 14px;
  font:400 .98rem var(--font-sans);color:var(--ink);
  background:#fff;border:1.5px solid var(--line);
  border-radius:10px;
  transition:border-color var(--t-fast), box-shadow var(--t-fast);
}
.form input:focus,.form textarea:focus,.form select:focus{
  outline:0;border-color:var(--teal);
  box-shadow:0 0 0 4px rgba(11,177,143,.12);
}
.form textarea{min-height:140px;resize:vertical;font-family:var(--font-sans)}
.form .check{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--gray-700)}
.form .check input{width:auto;margin-top:3px}
.form .check a{color:var(--teal)}
.form-note{font-size:.86rem;color:var(--gray-500);margin-top:6px}

/* ============================================================
   PROSE (for legal pages)
   ============================================================ */
.prose{max-width:780px;margin:0 auto;color:var(--gray-900)}
.prose h2{margin-top:48px;font-size:1.6rem}
.prose h3{margin-top:32px;font-size:1.18rem;color:var(--navy)}
.prose p,.prose li{font-size:1rem;line-height:1.75}
.prose ul,.prose ol{padding-left:1.4em}
.prose li{margin-bottom:8px}
.prose a{color:var(--teal);text-decoration:underline;text-decoration-color:rgba(11,177,143,.4);text-underline-offset:3px}
.prose a:hover{text-decoration-color:var(--teal)}
.prose strong{color:var(--navy)}

/* ============================================================
   FOOTER
   ============================================================ */
footer.site{
  background:#011F3A;color:#9fbacf;padding:70px 0 28px;font-size:.94rem;
}
footer.site .container{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}
footer.site h4{
  color:#fff;font-size:.92rem;text-transform:uppercase;
  letter-spacing:.1em;margin-bottom:18px;
}
footer.site a{color:#9fbacf;display:block;padding:5px 0}
footer.site a:hover{color:var(--mint)}
.foot-brand img{height:54px;margin-bottom:14px;filter:brightness(0) invert(1)}
.foot-brand p{font-size:.92rem;color:#7891aa;line-height:1.6}
.foot-social{display:flex;gap:10px;margin-top:18px}
.foot-social a{
  width:38px;height:38px;border-radius:10px;
  background:rgba(255,255,255,.06);
  display:grid;place-items:center;padding:0;
  transition:background var(--t-fast), transform var(--t-fast);
}
.foot-social a:hover{background:var(--teal);transform:translateY(-2px)}
.foot-social svg{width:18px;height:18px;color:#9fbacf}
.foot-social a:hover svg{color:#fff}
.foot-bottom{
  border-top:1px solid #0e3052;margin-top:50px;padding-top:24px;
  display:flex;justify-content:space-between;align-items:center;
  flex-wrap:wrap;gap:14px;font-size:.86rem;color:#6f88a1;
  grid-column:1/-1;
}

/* ============================================================
   REVEAL ANIMATION
   ============================================================ */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .75s ease, transform .75s ease}
.reveal.in{opacity:1;transform:none}
.reveal-d1{transition-delay:.08s}
.reveal-d2{transition-delay:.16s}
.reveal-d3{transition-delay:.24s}
.reveal-d4{transition-delay:.32s}
.reveal-d5{transition-delay:.4s}

@media (prefers-reduced-motion: reduce){
  *{animation-duration:.01ms !important;animation-iteration-count:1 !important;transition-duration:.01ms !important;scroll-behavior:auto !important}
  .reveal{opacity:1;transform:none}
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 980px){
  :root{--section-py:64px}
  .hero{padding:50px 0 70px}
  .hero .container,.split,.contact-grid{grid-template-columns:1fr;gap:48px}
  .split.reverse{direction:ltr}
  .phero-split{grid-template-columns:1fr;gap:40px}
  .phero-visual{order:-1}
  .phero-visual.image .frame{transform:none}
  .phero-visual .vb-1{left:14px}
  .phero-visual .vb-2{right:14px}
  footer.site .container{grid-template-columns:1fr 1fr}
  nav.primary{display:none}
  .nav-cta .btn{display:none}
  .nav-burger{display:inline-flex}
  nav.primary.open{
    display:flex;flex-direction:column;align-items:stretch;gap:0;
    position:absolute;top:100%;left:0;right:0;
    background:#fff;border-bottom:1px solid var(--line);
    padding:14px 24px 24px;box-shadow:var(--shadow);
  }
  nav.primary.open > a{padding:14px 0;border-bottom:1px solid var(--line)}
  nav.primary.open .has-dropdown .dropdown{
    position:static;transform:none;opacity:1;visibility:visible;
    box-shadow:none;padding:0 0 8px 14px;min-width:auto;
  }
  nav.primary.open .has-dropdown > a::after{display:none}
  .fc-3{display:none}
  .topbar-left .hide-sm{display:none}
}
@media (max-width: 620px){
  h1{font-size:2rem}
  h2{font-size:1.6rem}
  .hero-photo{aspect-ratio:1/1}
  .fc-1,.fc-2{display:none}
  .team-card{flex-direction:column}
  .team-photo{width:100%;aspect-ratio:5/3}
  footer.site .container{grid-template-columns:1fr}
  .topbar .container{justify-content:center;text-align:center;height:auto;padding:10px 24px}
  .contact-card{padding:24px}
  .form .row{grid-template-columns:1fr}
  .band-quote{padding:36px 24px}
}

/* ============================================================
   EXTRA PREMIUM COMPONENTS
   ============================================================ */

/* Scroll progress bar */
.progress-bar{
  position:fixed;top:0;left:0;height:3px;width:0;z-index:100;
  background:var(--grad-fresh);box-shadow:0 0 10px rgba(11,177,143,.5);
  transition:width .08s linear;
}

/* Infinite marquee of chips */
.marquee{
  overflow:hidden;padding:6px 0;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
}
.marquee-track{display:flex;gap:14px;width:max-content;animation:marquee 34s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
@keyframes marquee{to{transform:translateX(-50%)}}
.marquee .chip{
  display:inline-flex;align-items:center;gap:9px;white-space:nowrap;
  padding:11px 20px;border:1px solid var(--line);border-radius:var(--r-pill);
  background:#fff;color:var(--navy);font-weight:600;font-size:.94rem;
  box-shadow:var(--shadow-xs);
}
.marquee .chip svg{width:18px;height:18px;color:var(--teal);flex-shrink:0}

/* Bold statement (verbatim original paragraph) */
.statement{max-width:940px;margin:0 auto;text-align:center}
.statement .eyebrow{margin-bottom:22px}
.statement p{
  font-family:var(--font-display);font-weight:600;
  font-size:clamp(1.25rem,2.3vw,1.85rem);line-height:1.42;color:var(--navy);margin:0;
}
.statement .hl{
  background:var(--grad-fresh);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}

/* Coface product rows */
.prod-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.prod{
  display:flex;gap:18px;align-items:flex-start;
  background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;
  transition:transform var(--t-med),box-shadow var(--t-med),border-color var(--t-med);
}
.prod:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.prod .pic{
  width:54px;height:54px;border-radius:13px;flex-shrink:0;display:grid;place-items:center;
  background:rgba(11,177,143,.1);color:var(--teal);
}
.prod .pic svg{width:26px;height:26px}
.prod .pic img{width:32px;height:32px;object-fit:contain}
.prod h4{margin:0 0 6px;color:var(--navy)}
.prod p{margin:0;color:var(--gray-700);font-size:.95rem}

/* Big number quote band */
.band-quote{
  background:var(--grad-brand);color:#fff;border-radius:var(--r-lg);
  padding:52px 48px;text-align:center;position:relative;overflow:hidden;
}
.band-quote::before{content:none}
.band-quote > *{position:relative;z-index:1}
.band-quote .big{font:800 clamp(2.6rem,7vw,4.4rem)/1 var(--font-display);color:var(--mint);display:block;margin-bottom:10px}
.band-quote p{color:#dceaf2;font-size:1.12rem;max-width:640px;margin:0 auto}

@media (max-width:760px){
  .prod-grid{grid-template-columns:1fr}
}

/* Card icon as brand image */
.card .icon img{width:34px;height:34px;object-fit:contain}
.float-card .icon img{width:24px;height:24px;object-fit:contain}

/* Portrait photo frame (e.g. the two partners) */
.img-frame.portrait{max-width:430px;margin-inline:auto}
.img-frame.portrait img{aspect-ratio:3/4}

/* "Respaldados por Coface" logo band */
.logos-band{text-align:center}
.logos-band .lbl{
  font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--gray-500);margin-bottom:22px;
}
.logos-row{display:flex;align-items:center;justify-content:center;gap:40px;flex-wrap:wrap}
.logos-row img{height:54px;width:auto}
.logos-row .sep{width:1px;height:42px;background:var(--line)}

/* World-map "red internacional" section */
.mapsec{position:relative}
.mapsec .map{
  width:100%;max-width:880px;margin:26px auto 0;display:block;
  filter:saturate(.9);
}
.map-stats{
  display:flex;justify-content:center;gap:14px;flex-wrap:wrap;margin-top:8px;
}
.map-stats .ms{
  background:#fff;border:1px solid var(--line);border-radius:var(--r);
  padding:16px 24px;text-align:center;box-shadow:var(--shadow-xs);min-width:150px;
}
.map-stats .ms b{font:800 1.7rem/1 var(--font-display);color:var(--navy);display:block}
.map-stats .ms span{font-size:.85rem;color:var(--gray-700)}

/* Photo strip (band of office photos) */
.photo-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.photo-strip figure{margin:0;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:4/3}
.photo-strip img{width:100%;height:100%;object-fit:cover;transition:transform var(--t-slow)}
.photo-strip figure:hover img{transform:scale(1.05)}

/* ============================================================
   RESPONSIVE — extended coverage for common devices
   ============================================================ */

/* Large laptops */
@media (max-width:1200px){
  .hero .container{gap:48px}
  .phero-split{gap:44px}
}

/* Small laptops / large tablets landscape */
@media (max-width:1024px){
  :root{--section-py:72px}
  nav.primary{gap:22px}
  .hero .container{grid-template-columns:1fr 1fr}
  .panel-stats{gap:12px}
}

/* Tablets — nav collapses, heroes stack (main breakpoint at 980 above) */
@media (max-width:860px){
  .map-stats .ms{min-width:130px;padding:14px 18px}
  .logos-row{gap:26px}
  .logos-row img{height:44px}
}

/* Large phones */
@media (max-width:600px){
  :root{--section-py:54px}
  .photo-strip{grid-template-columns:1fr 1fr}
  .panel-stats{grid-template-columns:1fr 1fr}
  .phero-meta{width:100%}
  .phero-meta .m{flex:1;min-width:90px}
  .btn{padding:13px 22px}
  .phero-cta,.hero-cta,.btn-row{flex-direction:column;align-items:stretch;width:100%}
  .phero-cta .btn,.hero-cta .btn,.btn-row .btn{justify-content:center;width:100%}
}

/* Small phones */
@media (max-width:400px){
  body{font-size:16px}
  .container{padding:0 18px}
  h1{font-size:1.8rem}
  .photo-strip{grid-template-columns:1fr}
  .phero-meta{flex-direction:column}
  .phero-meta .m{border-right:0;border-bottom:1px solid var(--line)}
  .phero-meta .m:last-child{border-bottom:0}
  .map-stats{gap:10px}
  .map-stats .ms{flex:1;min-width:120px}
}