/* ============================================
   NOVALIA GROUP — Design tokens
   ============================================ */
:root{
  --white:      #FAF9F5;
  --black:      #14120F;
  --gray-050:   #F3F1EB;
  --gray-100:   #E7E3D9;
  --gray-400:   #9A9488;
  --gray-600:   #6B655A;
  --gray-700:   #4A463D;
  --gold:       #A6803C;
  --gold-light: #C9A961;
  --gold-soft:  #D9C48F;

  --serif: "Playfair Display", "Iowan Old Style", Georgia, serif;
  --sans:  "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --mono:  "IBM Plex Mono", "SFMono-Regular", monospace;

  --container: 1240px;
  --gutter: clamp(24px, 5vw, 72px);

  --ease: cubic-bezier(.22,1,.36,1);
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  *,*::before,*::after{ animation-duration:0.01ms !important; animation-iteration-count:1 !important; transition-duration:0.01ms !important; scroll-behavior:auto !important; }
}

body{
  margin:0;
  background:var(--white);
  color:var(--black);
  font-family:var(--sans);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
button{ font-family:inherit; cursor:pointer; }
ul{ margin:0; padding:0; list-style:none; }

::selection{ background:var(--black); color:var(--white); }

:focus-visible{
  outline:2px solid var(--gold);
  outline-offset:3px;
}

.wrap{
  max-width:var(--container);
  margin:0 auto;
  padding-left:var(--gutter);
  padding-right:var(--gutter);
}

.eyebrow{
  font-family:var(--mono);
  font-size:12px;
  letter-spacing:0.16em;
  text-transform:uppercase;
  color:var(--gold);
  display:inline-flex;
  align-items:center;
  gap:10px;
}
.eyebrow::before{
  content:"";
  width:22px;
  height:1px;
  background:var(--gold);
  display:inline-block;
}

h1,h2,h3,h4{
  font-family:var(--serif);
  font-weight:500;
  letter-spacing:-0.01em;
  margin:0;
  color:var(--black);
}

h2{ font-size:clamp(30px,3.6vw,46px); line-height:1.12; font-weight:440; }
h3{ font-size:clamp(20px,2vw,26px); font-weight:500; }

p{ margin:0; }

.lede{
  font-size:clamp(16px,1.4vw,19px);
  color:var(--gray-700);
  line-height:1.7;
  max-width:44ch;
}

/* ============================================
   Buttons
   ============================================ */
.btn{
  display:inline-flex;
  align-items:center;
  gap:10px;
  padding:16px 30px;
  font-family:var(--sans);
  font-size:14px;
  font-weight:600;
  letter-spacing:0.02em;
  border-radius:2px;
  border:1px solid transparent;
  transition:all .45s var(--ease);
  white-space:nowrap;
}
.btn-primary{
  background:var(--black);
  color:var(--white);
  border-color:var(--black);
}
.btn-primary:hover{
  background:var(--gold);
  border-color:var(--gold);
  color:var(--black);
}
.btn-ghost{
  background:transparent;
  color:var(--black);
  border-color:var(--black);
}
.btn-ghost:hover{
  border-color:var(--gold);
  color:var(--gold);
}
.btn-invert{
  background:var(--white);
  color:var(--black);
  border-color:var(--white);
}
.btn-invert:hover{
  background:var(--gold);
  border-color:var(--gold);
}
.btn-line{
  background:transparent;
  border:none;
  color:var(--black);
  padding:8px 0;
  border-bottom:1px solid var(--black);
  border-radius:0;
  font-size:13px;
}
.btn-line:hover{ color:var(--gold); border-color:var(--gold); }
.btn svg{ width:14px; height:14px; transition:transform .4s var(--ease); }
.btn:hover svg{ transform:translateX(4px); }

/* ============================================
   Header
   ============================================ */
.site-header{
  position:fixed;
  top:0; left:0; right:0;
  z-index:100;
  padding:22px var(--gutter);
  display:flex;
  align-items:center;
  justify-content:space-between;
  transition:background .5s var(--ease), padding .5s var(--ease), border-color .5s var(--ease);
  border-bottom:1px solid transparent;
  mix-blend-mode:normal;
}
.site-header.is-scrolled{
  background:rgba(250,249,245,0.92);
  backdrop-filter:blur(10px);
  border-color:var(--gray-100);
  padding-top:14px;
  padding-bottom:14px;
}
.logo{
  font-family:var(--serif);
  font-size:19px;
  letter-spacing:0.06em;
  font-weight:500;
  display:flex;
  align-items:baseline;
  gap:8px;
  color:var(--black);
}
.logo .mark{ color:var(--gold); }
.site-header nav{
  display:flex;
  align-items:center;
  gap:40px;
}
.site-header .nav-links{
  display:flex;
  gap:36px;
}
.site-header .nav-links a{
  font-size:13px;
  letter-spacing:0.03em;
  color:var(--gray-700);
  position:relative;
  padding-bottom:4px;
}
.site-header .nav-links a::after{
  content:"";
  position:absolute; left:0; bottom:0;
  width:0; height:1px;
  background:var(--gold);
  transition:width .4s var(--ease);
}
.site-header .nav-links a:hover{ color:var(--black); }
.site-header .nav-links a:hover::after{ width:100%; }
.nav-toggle{ display:none; }

.header-cta{
  padding:9px 18px;
  font-size:11.5px;
  font-weight:500;
  letter-spacing:0.03em;
  background:transparent;
  color:var(--black);
  border:1px solid var(--gray-400);
}
.header-cta:hover{
  background:var(--black);
  color:var(--white);
  border-color:var(--black);
}

@media (max-width: 860px){
  .site-header .nav-links{ display:none; }
  .site-header nav{ gap:14px; }
  .nav-toggle{
    display:flex; flex-direction:column; gap:5px;
    background:none; border:none; padding:6px;
  }
  .nav-toggle span{ width:22px; height:1px; background:var(--black); display:block; }
  .header-cta{
    padding:6px 12px;
    font-size:10px;
    letter-spacing:0.01em;
  }
}
@media (max-width: 480px){
  .site-header{ padding-left:20px; padding-right:20px; }
  .logo{ font-size:16px; }
  .site-header nav{ gap:10px; }
  .header-cta{
    padding:5px 10px;
    font-size:9.5px;
  }
}

/* ============================================
   Hero
   ============================================ */
.hero{
  position:relative;
  min-height:100svh;
  display:flex;
  flex-direction:column;
  justify-content:flex-end;
  padding:160px var(--gutter) 0;
  overflow:hidden;
}
.hero-bg{
  position:absolute; inset:0;
  z-index:0;
}
.hero-bg img{
  width:100%; height:100%; object-fit:cover;
  filter:grayscale(35%) contrast(1.05) brightness(0.7);
  transform:scale(1.08);
  animation:heroZoom 16s var(--ease) forwards;
}
@keyframes heroZoom{ to{ transform:scale(1); } }
.hero-bg::after{
  content:"";
  position:absolute; inset:0;
  background:linear-gradient(180deg, rgba(20,18,15,0.35) 0%, rgba(20,18,15,0.55) 55%, rgba(20,18,15,0.88) 100%);
}
.hero-content{
  position:relative; z-index:1;
  color:var(--white);
  padding-bottom:110px;
  max-width:900px;
}
.hero .eyebrow{ color:var(--gold-soft); }
.hero .eyebrow::before{ background:var(--gold-soft); }
.hero h1{
  color:var(--white);
  font-size:clamp(36px, 5.2vw, 72px);
  line-height:1.08;
  margin:22px 0 26px;
  max-width:16ch;
  font-weight:440;
}
.hero .lede{
  color:rgba(250,249,245,0.82);
  max-width:52ch;
  font-size:clamp(16px,1.3vw,18px);
}
.hero-actions{
  display:flex; gap:18px; flex-wrap:wrap;
  margin-top:38px;
}
.hero-actions .btn-ghost{ color:var(--white); border-color:rgba(255,255,255,0.5); }
.hero-actions .btn-ghost:hover{ border-color:var(--gold-light); color:var(--gold-light); }

/* Trio cards under hero */
.hero-trio{
  position:relative; z-index:1;
  display:grid;
  grid-template-columns:repeat(3,1fr);
  border-top:1px solid rgba(255,255,255,0.18);
  margin-top:56px;
}
.hero-trio a{
  padding:26px 6px 30px;
  border-right:1px solid rgba(255,255,255,0.18);
  color:var(--white);
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
  transition:background .4s var(--ease), padding-left .4s var(--ease);
}
.hero-trio a:last-child{ border-right:none; }
.hero-trio a:hover{ background:rgba(255,255,255,0.06); padding-left:14px; }
.hero-trio .num{ font-family:var(--mono); font-size:12px; color:var(--gold-soft); }
.hero-trio .label{ font-family:var(--serif); font-size:19px; }
.hero-trio svg{ width:16px; height:16px; opacity:.75; transition:transform .4s var(--ease); }
.hero-trio a:hover svg{ transform:translateX(4px); opacity:1; }

/* ============================================
   Trajectory divider (signature element)
   ============================================ */
.trajectory{
  padding:0 var(--gutter);
  margin:0 auto;
  max-width:var(--container);
}
.trajectory svg{ width:100%; height:auto; display:block; }
.trajectory path{
  fill:none;
  stroke:var(--gold);
  stroke-width:1;
  stroke-dasharray:1200;
  stroke-dashoffset:1200;
  transition:stroke-dashoffset 1.8s var(--ease);
}
.trajectory.in-view path{ stroke-dashoffset:0; }
.trajectory circle{
  fill:var(--gold);
  opacity:0;
  transition:opacity .6s ease .9s;
}
.trajectory.in-view circle{ opacity:1; }

/* ============================================
   Section rhythm
   ============================================ */
section{ position:relative; }
.section{ padding:120px 0; }
.section-tight{ padding:80px 0; }
.section-dark{
  background:var(--black);
  color:var(--white);
}
.section-dark h2, .section-dark h3{ color:var(--white); }
.section-dark .lede{ color:rgba(250,249,245,0.72); }
.section-tint{ background:var(--gray-050); }

.section-head{
  display:flex;
  justify-content:space-between;
  align-items:flex-end;
  gap:40px;
  margin-bottom:64px;
  flex-wrap:wrap;
}
.section-head h2{ margin-top:16px; }
.section-head .lede{ margin-top:16px; }

.reveal{
  opacity:0;
  transform:translateY(28px);
  transition:opacity .9s var(--ease), transform .9s var(--ease);
}
.reveal.in-view{ opacity:1; transform:translateY(0); }
.reveal-delay-1{ transition-delay:.12s; }
.reveal-delay-2{ transition-delay:.24s; }
.reveal-delay-3{ transition-delay:.36s; }

/* ============================================
   Ayuda (3 big blocks)
   ============================================ */
.help-block{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:64px;
  align-items:center;
  padding:64px 0;
  border-top:1px solid var(--gray-100);
}
.help-block:last-child{ border-bottom:1px solid var(--gray-100); }
.help-block.flip .help-media{ order:2; }
.help-media{ overflow:hidden; aspect-ratio:4/3; background:var(--gray-100); }
.help-media img{ width:100%; height:100%; object-fit:cover; transition:transform .8s var(--ease); }
.help-block:hover .help-media img{ transform:scale(1.045); }
.help-text .eyebrow{ margin-bottom:18px; }
.help-text h3{ font-size:clamp(24px,2.4vw,32px); margin-bottom:18px; }
.help-text p{ color:var(--gray-700); margin-bottom:28px; max-width:46ch; }

/* ============================================
   Quiénes somos
   ============================================ */
.about-grid{
  display:grid;
  grid-template-columns:1.1fr 0.9fr;
  gap:80px;
  align-items:start;
}
.about-lead{
  font-family:var(--serif);
  font-size:clamp(22px,2.4vw,30px);
  line-height:1.4;
  color:var(--black);
  font-weight:400;
}
.about-lead em{ font-style:normal; color:var(--gold); }
.about-values{
  display:flex; flex-direction:column; gap:0;
  border-top:1px solid var(--gray-100);
}
.about-values .value{
  display:grid;
  grid-template-columns:70px 1fr;
  gap:20px;
  padding:26px 0;
  border-bottom:1px solid var(--gray-100);
}
.about-values .value .num{ font-family:var(--mono); font-size:13px; color:var(--gold); }
.about-values .value h4{ font-size:16px; margin-bottom:8px; }
.about-values .value p{ color:var(--gray-600); font-size:14.5px; line-height:1.6; }

/* ============================================
   Servicios
   ============================================ */
.services-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1px;
  background:var(--gray-100);
}
.service-card{
  background:var(--white);
  padding:48px 40px;
  display:flex;
  flex-direction:column;
  min-height:340px;
  transition:background .5s var(--ease);
}
.service-card:hover{ background:var(--black); }
.service-card:hover *{ color:var(--white) !important; }
.service-card:hover .btn-line{ border-color:var(--gold); color:var(--gold) !important; }
.service-card .num{ font-family:var(--mono); font-size:13px; color:var(--gold); margin-bottom:28px; }
.service-card h3{ margin-bottom:16px; }
.service-card p{ color:var(--gray-600); font-size:14.5px; line-height:1.7; margin-bottom:32px; flex-grow:1; }

/* ============================================
   Financiero
   ============================================ */
.finance-section{
  background:var(--black);
  color:var(--white);
  padding:120px 0;
}
.finance-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:80px;
  align-items:center;
}
.finance-list{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:28px;
  margin-top:40px;
}
.finance-list .item{
  border-top:1px solid rgba(255,255,255,0.18);
  padding-top:18px;
}
.finance-list .item h4{ color:var(--gold-light); font-size:17px; margin-bottom:8px; }
.finance-list .item p{ color:rgba(250,249,245,0.68); font-size:13.5px; line-height:1.6; }

/* ============================================
   Método
   ============================================ */
.method-list{ margin-top:20px; }
.method-item{
  display:grid;
  grid-template-columns:110px 1fr 40px;
  align-items:center;
  gap:24px;
  padding:34px 0;
  border-top:1px solid var(--gray-100);
  transition:padding-left .4s var(--ease);
}
.method-item:last-child{ border-bottom:1px solid var(--gray-100); }
.method-item:hover{ padding-left:14px; }
.method-item .step-num{ font-family:var(--serif); font-size:15px; color:var(--gold); }
.method-item h3{ font-size:20px; margin-bottom:6px; }
.method-item p{ color:var(--gray-600); font-size:14.5px; max-width:56ch; }
.method-item .arrow{ width:16px; height:16px; opacity:0; transition:opacity .4s var(--ease), transform .4s var(--ease); justify-self:end; }
.method-item:hover .arrow{ opacity:1; transform:translateX(4px); }

/* ============================================
   Cifras
   ============================================ */
.stats-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:var(--gray-100);
  border:1px solid var(--gray-100);
}
.stat{
  background:var(--white);
  padding:44px 30px;
  text-align:left;
}
.stat .stat-num{
  font-family:var(--serif);
  font-size:clamp(32px,3.6vw,48px);
  color:var(--black);
  display:block;
}
.stat .stat-num .gold{ color:var(--gold); }
.stat .stat-label{
  font-family:var(--mono);
  font-size:11.5px;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--gray-600);
  margin-top:12px;
  display:block;
}

/* ============================================
   Testimonios
   ============================================ */
.testi-track{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:48px;
}
.testi-card{
  padding:40px 36px;
  background:var(--gray-050);
  display:flex;
  flex-direction:column;
  gap:26px;
  border-top:2px solid var(--gold);
}
.testi-quote{
  font-family:var(--serif);
  font-size:18px;
  line-height:1.55;
  color:var(--black);
}
.testi-name{ font-size:13.5px; font-weight:600; }
.testi-role{ font-size:12.5px; color:var(--gray-600); }

/* ============================================
   Contacto
   ============================================ */
.contact-section{
  background:
    radial-gradient(ellipse 900px 500px at 15% 0%, rgba(166,128,60,0.16), transparent 60%),
    linear-gradient(180deg, #201C17 0%, #17140F 100%);
  color:var(--white);
  border-top:1px solid rgba(166,128,60,0.35);
  position:relative;
}
.contact-grid{
  display:grid;
  grid-template-columns:0.85fr 1.15fr;
  gap:80px;
}
.contact-info h2{ color:var(--white); margin-bottom:20px; }
.contact-info .lede{ color:rgba(250,249,245,0.7); margin-bottom:44px; }
.contact-detail{ margin-bottom:26px; }
.contact-detail .eyebrow{ margin-bottom:8px; }
.contact-detail a, .contact-detail span{ font-family:var(--serif); font-size:19px; color:var(--white); }

.form-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:22px;
}
.form-grid .field-full{ grid-column:1 / -1; }
.field label{
  display:block;
  font-family:var(--mono);
  font-size:11px;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:rgba(250,249,245,0.55);
  margin-bottom:10px;
}
.field input, .field select, .field textarea{
  width:100%;
  background:transparent;
  border:none;
  border-bottom:1px solid rgba(250,249,245,0.3);
  color:var(--white);
  font-family:var(--sans);
  font-size:15px;
  padding:10px 2px;
  transition:border-color .35s var(--ease);
}
.field input::placeholder, .field textarea::placeholder{ color:rgba(250,249,245,0.35); }
.field input:focus, .field select:focus, .field textarea:focus{
  outline:none;
  border-color:var(--gold);
}
.field select option{ background:var(--black); color:var(--white); }
.form-note{ font-size:12px; color:rgba(250,249,245,0.45); margin-top:8px; }
.form-actions{ margin-top:36px; display:flex; align-items:center; gap:22px; flex-wrap:wrap; }

.form-success{
  display:none;
  text-align:center;
  padding:60px 34px;
  border:1px solid rgba(166,128,60,0.4);
  animation:fadeUp .6s var(--ease);
}
.form-success.is-visible{ display:block; }
.contact-form.is-hidden{ display:none; }
.form-success-icon{
  width:56px; height:56px;
  border-radius:50%;
  border:1px solid var(--gold);
  display:flex; align-items:center; justify-content:center;
  margin:0 auto 26px;
}
.form-success-icon svg{ width:24px; height:24px; stroke:var(--gold); }
.form-success h3{
  color:var(--white);
  font-size:clamp(22px,2.6vw,28px);
  margin-bottom:14px;
}
.form-success p{
  color:rgba(250,249,245,0.68);
  font-size:15px;
  line-height:1.6;
  max-width:38ch;
  margin:0 auto 30px;
}
.form-success .btn{ margin:0 auto; }

/* ============================================
   Footer
   ============================================ */
.site-footer{
  background:#0D0B09;
  color:rgba(250,249,245,0.6);
  padding:70px 0 30px;
  border-top:1px solid rgba(250,249,245,0.1);
}
.footer-top{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1fr;
  gap:40px;
  padding-bottom:56px;
  border-bottom:1px solid rgba(250,249,245,0.1);
}
.footer-top .logo{ color:var(--white); margin-bottom:16px; }
.footer-top p{ font-size:13.5px; line-height:1.7; max-width:32ch; }
.footer-col h5{
  font-family:var(--mono);
  font-size:11px;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--gold-light);
  margin-bottom:18px;
}
.footer-col ul{ display:flex; flex-direction:column; gap:12px; }
.footer-col a{ font-size:13.5px; }
.footer-col a:hover{ color:var(--white); }
.footer-bottom{
  display:flex; justify-content:space-between; align-items:center;
  padding-top:28px; font-size:12px; flex-wrap:wrap; gap:14px;
}
.footer-bottom .legal-links{ display:flex; gap:24px; }

/* ============================================
   Responsive
   ============================================ */
@media (max-width: 980px){
  .about-grid, .finance-grid, .contact-grid{ grid-template-columns:1fr; gap:48px; }
  .services-grid{ grid-template-columns:1fr; }
  .stats-grid{ grid-template-columns:1fr 1fr; }
  .testi-track{ grid-template-columns:1fr; }
  .help-block, .help-block.flip{ grid-template-columns:1fr; }
  .help-block.flip .help-media{ order:0; }
  .footer-top{ grid-template-columns:1fr 1fr; }
  .finance-list{ grid-template-columns:1fr; }
}
@media (max-width: 700px){
  .hero-trio{ grid-template-columns:1fr; }
  .hero-trio a{ border-right:none; border-bottom:1px solid rgba(255,255,255,0.18); }
  .method-item{ grid-template-columns:1fr; gap:8px; }
  .form-grid{ grid-template-columns:1fr; }
  .stats-grid{ grid-template-columns:1fr; }
  .footer-top{ grid-template-columns:1fr; }
  .footer-bottom{ flex-direction:column; align-items:flex-start; }
  .section{ padding:80px 0; }
}

/* ============================================
   Landing pages (Vender/Comprar/Invertir)
   ============================================ */
.landing-hero{
  min-height:70vh;
  display:flex;
  align-items:flex-end;
  padding:150px var(--gutter) 90px;
  position:relative;
}
.landing-hero .hero-bg img{ animation:none; filter:grayscale(35%) contrast(1.05) brightness(0.62); }
.landing-hero-content{ position:relative; z-index:1; color:var(--white); max-width:780px; }
.landing-hero h1{ color:var(--white); font-size:clamp(32px,4.6vw,58px); margin:20px 0 22px; line-height:1.1; }

.breadcrumb{
  font-family:var(--mono); font-size:11.5px; letter-spacing:.05em;
  color:rgba(250,249,245,0.6); text-transform:uppercase;
  margin-bottom:18px;
}
.breadcrumb a{ color:rgba(250,249,245,0.8); }
.breadcrumb a:hover{ color:var(--gold-light); }

.process-list{ counter-reset:step; }
.process-item{
  display:grid;
  grid-template-columns:64px 1fr;
  gap:24px;
  padding:30px 0;
  border-top:1px solid var(--gray-100);
}
.process-item:last-child{ border-bottom:1px solid var(--gray-100); }
.process-item .step-num{ font-family:var(--serif); font-size:22px; color:var(--gold); }

.benefit-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1px;
  background:var(--gray-100);
}
.benefit-card{
  background:var(--white);
  padding:40px 34px;
}
.benefit-card h4{ font-family:var(--serif); font-size:19px; margin-bottom:12px; }
.benefit-card p{ color:var(--gray-600); font-size:14.5px; line-height:1.65; }
@media (max-width: 860px){ .benefit-grid{ grid-template-columns:1fr; } .process-item{ grid-template-columns:1fr; gap:6px; } }

.faq-item{
  border-top:1px solid var(--gray-100);
}
.faq-item:last-child{ border-bottom:1px solid var(--gray-100); }
.faq-q{
  width:100%;
  background:none; border:none;
  display:flex; justify-content:space-between; align-items:center;
  padding:26px 0;
  text-align:left;
  font-family:var(--serif);
  font-size:18px;
  color:var(--black);
}
.faq-q .plus{
  font-family:var(--mono); font-size:18px; color:var(--gold);
  transition:transform .4s var(--ease);
  flex-shrink:0; margin-left:20px;
}
.faq-item.is-open .faq-q .plus{ transform:rotate(45deg); }
.faq-a{
  max-height:0;
  overflow:hidden;
  transition:max-height .5s var(--ease), padding .5s var(--ease);
}
.faq-item.is-open .faq-a{ max-height:260px; padding-bottom:26px; }
.faq-a p{ color:var(--gray-600); font-size:14.5px; line-height:1.7; max-width:70ch; }

/* ============================================
   Hero CTA row (Vender / Comprar / Invertir)
   ============================================ */
.hero-cta-row{
  display:flex; gap:14px; flex-wrap:wrap; margin-top:38px;
}
.hero-cta-row a{
  display:inline-flex; align-items:center; gap:12px;
  font-family:var(--serif);
  font-size:19px;
  color:var(--white);
  padding:16px 26px;
  border:1px solid rgba(255,255,255,0.45);
  transition:all .4s var(--ease);
}
.hero-cta-row a:hover{ border-color:var(--gold-light); color:var(--gold-light); background:rgba(255,255,255,0.05); }
.hero-cta-row a svg{ width:15px; height:15px; transition:transform .4s var(--ease); }
.hero-cta-row a:hover svg{ transform:translateX(4px); }

/* ============================================
   Servicios — tarjetas visuales con imagen de fondo
   ============================================ */
.service-visual-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:2px;
}
.service-visual-card{
  position:relative;
  aspect-ratio:3/4;
  overflow:hidden;
  display:block;
  color:var(--white);
}
.service-visual-card img{
  position:absolute; inset:0;
  width:100%; height:100%; object-fit:cover;
  filter:grayscale(25%) contrast(1.05) brightness(0.75);
  transition:transform .8s var(--ease), filter .5s var(--ease);
}
.service-visual-card:hover img{ transform:scale(1.06); filter:grayscale(0%) contrast(1.08) brightness(0.65); }
.service-visual-card::after{
  content:"";
  position:absolute; inset:0;
  background:linear-gradient(180deg, rgba(20,18,15,0.15) 0%, rgba(20,18,15,0.15) 45%, rgba(20,18,15,0.85) 100%);
}
.service-visual-card .sv-top{
  position:relative; z-index:1;
  display:flex; justify-content:space-between; align-items:center;
  padding:28px;
}
.service-visual-card .sv-num{ font-family:var(--serif); font-style:italic; font-size:15px; color:var(--gold-light); }
.service-visual-card .sv-arrow{ width:18px; height:18px; opacity:.8; transition:transform .4s var(--ease); }
.service-visual-card:hover .sv-arrow{ transform:translate(4px,-4px); opacity:1; }
.service-visual-card .sv-bottom{
  position:absolute; left:0; right:0; bottom:0; z-index:1;
  padding:30px 28px 34px;
}
.service-visual-card .sv-label{ font-family:var(--serif); font-size:clamp(30px,3vw,40px); }
.service-visual-card .sv-desc{
  font-family:var(--sans);
  font-size:13.5px;
  color:rgba(250,249,245,0.75);
  max-width:32ch;
  margin-top:10px;
  line-height:1.6;
}
@media (max-width:860px){ .service-visual-grid{ grid-template-columns:1fr; } .service-visual-card{ aspect-ratio:16/10; } }

/* ============================================
   Quiz — progress bar (single fill)
   ============================================ */
.quiz-progress-track{
  height:2px; background:rgba(250,249,245,0.2);
  margin-bottom:44px; position:relative; overflow:hidden;
}
.quiz-progress-fill{
  position:absolute; inset:0 auto 0 0; width:6%;
  background:var(--gold);
  transition:width .5s var(--ease);
}

/* ============================================
   Quiz — "otro" free text reveal
   ============================================ */
.quiz-other{
  margin-top:16px;
  display:none;
}
.quiz-other input{
  width:100%;
  background:transparent;
  border:none;
  border-bottom:1px solid rgba(250,249,245,0.35);
  color:var(--white);
  font-family:var(--sans);
  font-size:15px;
  padding:10px 2px;
}
.quiz-other input::placeholder{ color:rgba(250,249,245,0.4); }
.quiz-other input:focus{ outline:none; border-color:var(--gold); }
.quiz-other-continue{ margin-top:20px; }

/* ============================================
   Quiz — slider step
   ============================================ */
.quiz-slider-wrap{ padding-top:10px; }
.quiz-slider-value{
  font-family:var(--serif);
  font-size:clamp(30px,3.4vw,40px);
  color:var(--gold-light);
  margin-bottom:22px;
}
.quiz-slider-wrap input[type="range"]{
  width:100%;
  -webkit-appearance:none;
  height:2px;
  background:rgba(250,249,245,0.25);
  outline:none;
  margin:18px 0 8px;
}
.quiz-slider-wrap input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none;
  width:18px; height:18px;
  border-radius:50%;
  background:var(--gold);
  border:2px solid var(--black);
  cursor:pointer;
}
.quiz-slider-wrap input[type="range"]::-moz-range-thumb{
  width:18px; height:18px; border-radius:50%;
  background:var(--gold); border:2px solid var(--black); cursor:pointer;
}
.quiz-slider-labels{
  display:flex; justify-content:space-between;
  font-family:var(--mono); font-size:11px; color:rgba(250,249,245,0.5);
  letter-spacing:.04em;
}

/* ============================================
   Quiz — text field step (ciudad / zona)
   ============================================ */
.quiz-text-wrap input{
  width:100%;
  background:transparent;
  border:none;
  border-bottom:1px solid rgba(250,249,245,0.35);
  color:var(--white);
  font-family:var(--serif);
  font-size:24px;
  padding:12px 2px;
}
.quiz-text-wrap input::placeholder{ color:rgba(250,249,245,0.4); font-family:var(--sans); font-size:16px; }
.quiz-text-wrap input:focus{ outline:none; border-color:var(--gold); }

.quiz-continue{ margin-top:28px; }
.quiz-continue[disabled]{ opacity:0.35; pointer-events:none; }
.quiz-step{ display:none; }
.quiz-step.is-active{ display:block; animation:fadeUp .6s var(--ease); }
@keyframes fadeUp{ from{ opacity:0; transform:translateY(14px);} to{ opacity:1; transform:translateY(0);} }

.quiz-step .eyebrow{ color:var(--gold-light); margin-bottom:18px; }
.quiz-step h3{ color:var(--white); font-size:clamp(22px,2.6vw,30px); margin-bottom:36px; max-width:22ch; }

.quiz-options{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:14px;
}
.quiz-option{
  border:1px solid rgba(250,249,245,0.25);
  padding:22px 20px;
  background:transparent;
  color:var(--white);
  font-family:var(--sans);
  font-size:15px;
  text-align:left;
  transition:all .35s var(--ease);
}
.quiz-option:hover{ border-color:var(--gold); }
.quiz-option.is-selected{ border-color:var(--gold); background:rgba(166,128,60,0.14); color:var(--gold-light); }

.quiz-nav{ display:flex; justify-content:space-between; align-items:center; margin-top:44px; }
.quiz-back{ background:none; border:none; color:rgba(250,249,245,0.55); font-size:13px; }
.quiz-back:hover{ color:var(--white); }
.quiz-back[disabled]{ opacity:0; pointer-events:none; }

@media (max-width:600px){ .quiz-options{ grid-template-columns:1fr; } }

/* ============================================
   Departamento financiero — layout ampliado
   ============================================ */
.finance-hero{
  display:grid;
  grid-template-columns:0.85fr 1.15fr;
  gap:72px;
  align-items:start;
}
.finance-hero h2{
  color:var(--white);
  margin-top:18px;
  font-size:clamp(32px,3.4vw,46px);
  line-height:1.16;
}
.finance-hero h2 em{ font-style:italic; color:var(--gold-light); }
.finance-hero p{
  color:rgba(250,249,245,0.68);
  font-size:15.5px;
  line-height:1.75;
  margin-top:22px;
  max-width:46ch;
}
.finance-hero p em{ font-style:italic; color:var(--gold-light); }

.finance-stats-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:0;
  border-top:1px solid rgba(250,249,245,0.14);
  border-left:1px solid rgba(250,249,245,0.14);
}
.finance-stats-grid .fstat{
  padding:30px 34px;
  border-right:1px solid rgba(250,249,245,0.14);
  border-bottom:1px solid rgba(250,249,245,0.14);
}
.finance-stats-grid .fstat-num{
  font-family:var(--serif);
  font-size:clamp(28px,3vw,38px);
  color:var(--gold-light);
  display:block;
}
.finance-stats-grid .fstat-label{
  font-size:13px;
  color:rgba(250,249,245,0.62);
  margin-top:8px;
  display:block;
  line-height:1.5;
}

.finance-features-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:36px 44px;
  margin-top:48px;
}
.finance-feature-icon{
  width:42px; height:42px;
  border:1px solid rgba(166,128,60,0.5);
  display:flex; align-items:center; justify-content:center;
  margin-bottom:18px;
}
.finance-feature-icon svg{ width:19px; height:19px; stroke:var(--gold-light); }
.finance-feature h5{
  font-family:var(--sans);
  font-size:13px;
  letter-spacing:.05em;
  text-transform:uppercase;
  color:var(--white);
  font-weight:600;
  margin-bottom:12px;
}
.finance-feature p{
  color:rgba(250,249,245,0.6);
  font-size:14px;
  line-height:1.7;
}
@media (max-width:980px){
  .finance-hero{ grid-template-columns:1fr; }
  .finance-features-grid{ grid-template-columns:1fr; }
}
@media (max-width:600px){ .finance-stats-grid{ grid-template-columns:1fr; } }

/* ============================================
   Confianza — rediseño (05)
   ============================================ */
.confianza-heading{
  text-align:center;
  max-width:820px;
  margin:0 auto 70px;
}
.confianza-heading .eyebrow{ justify-content:center; margin-bottom:28px; }
.confianza-heading h2{
  font-size:clamp(32px,4.2vw,54px);
  line-height:1.2;
}
.confianza-heading h2 em{ display:block; font-style:italic; color:var(--gold); font-weight:400; margin-top:6px; }

.confianza-stats-row{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  border-top:1px solid var(--gray-100);
}
.confianza-stats-row .cstat{
  padding:40px 34px 0;
  border-left:1px solid var(--gray-100);
}
.confianza-stats-row .cstat:first-child{ border-left:none; padding-left:0; }
.confianza-stats-row .cstat-num{ font-family:var(--serif); font-size:clamp(36px,4vw,52px); color:var(--black); display:block; }
.confianza-stats-row .cstat-label{ font-family:var(--sans); font-size:14px; color:var(--gray-600); margin-top:14px; display:block; }
@media (max-width:860px){
  .confianza-stats-row{ grid-template-columns:1fr 1fr; }
  .confianza-stats-row .cstat:nth-child(3){ border-left:none; padding-left:0; margin-top:30px; }
  .confianza-stats-row .cstat:nth-child(4){ margin-top:30px; }
}
@media (max-width:600px){
  .confianza-stats-row{ grid-template-columns:1fr; }
  .confianza-stats-row .cstat{ border-left:none !important; border-top:1px solid var(--gray-100); padding:30px 0 0; margin-top:0 !important; }
  .confianza-stats-row .cstat:first-child{ border-top:none; }
}

/* ============================================
   Quiénes somos — rediseño (01)
   ============================================ */
.quienes-hero .eyebrow{ margin-bottom:40px; }
.quienes-hero-grid{
  display:grid;
  grid-template-columns:0.85fr 1.15fr;
  gap:64px;
  align-items:start;
}
.quienes-media{ aspect-ratio:4/5; overflow:hidden; }
.quienes-media img{ width:100%; height:100%; object-fit:cover; filter:grayscale(15%) contrast(1.05); }
.quienes-content h2{ font-size:clamp(30px,4vw,50px); line-height:1.16; margin-bottom:44px; }
.quienes-content h2 em{ font-style:italic; color:var(--gold); display:block; font-weight:400; }
.quienes-paragraphs{ display:grid; grid-template-columns:1fr 1fr; gap:40px; }
.quienes-paragraphs p{ color:var(--gray-700); font-size:15px; line-height:1.75; }
.quienes-tags{ display:flex; flex-wrap:wrap; gap:16px; margin-top:56px; }
.quienes-tags span{ border:1px solid var(--gray-100); padding:14px 24px; font-size:13.5px; color:var(--gray-700); }
@media (max-width:900px){
  .quienes-hero-grid{ grid-template-columns:1fr; }
  .quienes-paragraphs{ grid-template-columns:1fr; gap:20px; }
}

/* ============================================
   Confianza — banda de cifras centrada
   ============================================ */
.trust-head{
  text-align:center;
  max-width:760px;
  margin:0 auto 70px;
}
.trust-head .eyebrow{ justify-content:center; margin-bottom:22px; }
.trust-head h2{
  font-size:clamp(30px,4vw,50px);
  line-height:1.25;
}
.trust-head h2 em{
  display:block;
  font-style:italic;
  color:var(--gold);
  font-weight:400;
}
.trust-band{
  display:grid;
  grid-template-columns:repeat(4,1fr);
}
.trust-band .tstat{
  padding:0 34px;
  border-left:1px solid var(--gray-100);
}
.trust-band .tstat:first-child{ border-left:none; padding-left:0; }
.trust-band .tstat-num{
  font-family:var(--serif);
  font-size:clamp(32px,3.6vw,46px);
  color:var(--black);
  display:block;
}
.trust-band .tstat-label{
  font-family:var(--sans);
  font-size:14px;
  color:var(--gray-600);
  margin-top:10px;
  display:block;
}
@media (max-width:860px){
  .trust-band{ grid-template-columns:1fr 1fr; row-gap:36px; }
  .trust-band .tstat:nth-child(3){ border-left:none; }
}
@media (max-width:560px){
  .trust-band{ grid-template-columns:1fr; }
  .trust-band .tstat{ border-left:none; padding-left:0; }
}

/* ============================================
   Ayuda — layout "Quiénes somos" (imagen + texto + badges)
   ============================================ */
.who-grid{
  display:grid;
  grid-template-columns:0.85fr 1.15fr;
  gap:64px;
  align-items:start;
}
.who-media{
  aspect-ratio:4/5;
  overflow:hidden;
  background:var(--gray-100);
}
.who-media img{ width:100%; height:100%; object-fit:cover; }
.who-heading{
  font-size:clamp(32px,4vw,52px);
  line-height:1.18;
  margin-bottom:8px;
}
.who-heading em{
  display:block;
  font-style:italic;
  color:var(--gold);
  font-weight:400;
}
.who-copy{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:40px;
  margin-top:34px;
}
.who-copy p{
  color:var(--gray-700);
  font-size:15px;
  line-height:1.75;
}
.who-badges{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  margin-top:44px;
}
.who-badges span{
  border:1px solid var(--gray-100);
  padding:14px 22px;
  font-size:13.5px;
  color:var(--gray-700);
}
@media (max-width:900px){
  .who-grid{ grid-template-columns:1fr; }
  .who-copy{ grid-template-columns:1fr; }
}

/* Compensar la cabecera fija al saltar a un ancla (evita que quede tapado el inicio de la sección) */
section[id]{ scroll-margin-top:100px; }