/* =========================================================================
   CityCred — Design System
   Fintech serio: paleta acotada, tipografía Inter, espaciado generoso,
   iconografía SVG (sin emojis como íconos), micro-interacciones sutiles.
   ========================================================================= */

/* ===== TOKENS ===== */
:root {
  /* Marca — azul profundo (confianza/seguridad) + acento dorado (premium, uso mínimo) */
  --brand-900: #0a1e3d;
  --brand-800: #0f2a52;
  --brand-700: #143a6e;
  --brand-600: #1c4c96;
  --brand-500: #2563b8;
  --brand-100: #e3ecf9;
  --brand-50:  #f2f6fc;

  --accent-600: #a97a1f;
  --accent-500: #c8952e;
  --accent-100: #faf1de;

  /* WhatsApp — color funcional, reservado exclusivamente a esa acción.
     --wa-btn es una variante más oscura para texto blanco: el verde de marca
     (#25d366) no llega a 4.5:1 de contraste con blanco (WCAG AA). */
  --wa: #25d366;
  --wa-btn: #157a3a;
  --wa-dark: #0f5c2b;

  --ink-900: #0f172a;
  --ink-700: #33404f;
  --ink-500: #5b6b7c;
  --ink-400: #8593a3;

  --surface-0: #ffffff;
  --surface-50: #f7f9fc;
  --surface-100: #eef2f7;
  --border: #dfe6ee;
  --border-strong: #c7d2e0;

  --danger: #c0362c;
  --danger-bg: #fdecea;
  --ok: #1a7f4e;

  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 18px;
  --radius-full: 999px;

  --shadow-sm: 0 1px 2px rgba(10, 30, 61, .06), 0 1px 1px rgba(10, 30, 61, .04);
  --shadow-md: 0 6px 20px -6px rgba(10, 30, 61, .18);
  --shadow-lg: 0 20px 48px -12px rgba(10, 30, 61, .28);

  --ease: cubic-bezier(.4, 0, .2, 1);
  --dur-fast: .15s;
  --dur: .25s;

  --container: 1180px;
  --header-h: 72px;
}

/* ===== RESET ===== */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--ink-900);
  background: var(--surface-0);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, picture { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; padding: 0; }
button, input, select, textarea { font-family: inherit; font-size: inherit; color: inherit; }
button { cursor: pointer; border: none; background: none; }
h1, h2, h3, h4 { font-weight: 800; letter-spacing: -.01em; line-height: 1.2; text-wrap: balance; }
p { text-wrap: pretty; }
svg { flex-shrink: 0; }

/* Reduced motion: desactiva animaciones/transiciones no esenciales */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }
}

/* Revelado sutil al hacer scroll (respeta prefers-reduced-motion vía JS) */
[data-reveal] { opacity: 0; transform: translateY(16px); transition: opacity .5s var(--ease), transform .5s var(--ease); }
[data-reveal].is-visible { opacity: 1; transform: translateY(0); }

/* Foco visible consistente (accesibilidad / navegación por teclado) */
:focus-visible {
  outline: 2.5px solid var(--brand-500);
  outline-offset: 2px;
  border-radius: 4px;
}
a:focus:not(:focus-visible), button:focus:not(:focus-visible) { outline: none; }

.container { max-width: var(--container); margin: 0 auto; padding: 0 1.5rem; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 1000;
  background: var(--brand-900); color: #fff; padding: .9rem 1.5rem;
  border-radius: 0 0 8px 0; font-weight: 700;
}
.skip-link:focus { left: 0; }

.visually-hidden {
  position: absolute; width: 1px; height: 1px; overflow: hidden;
  clip: rect(0 0 0 0); white-space: nowrap;
}

/* ===== ICONS ===== */
.icon { width: 1.25em; height: 1.25em; stroke: currentColor; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.icon-tile {
  width: 44px; height: 44px; border-radius: var(--radius);
  background: var(--brand-50); color: var(--brand-600);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.icon-tile--dark { background: rgba(255,255,255,.08); color: var(--accent-500); }
.icon-tile .icon { width: 22px; height: 22px; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  padding: .85rem 1.6rem; border-radius: var(--radius-full);
  font-weight: 700; font-size: .95rem; line-height: 1;
  transition: background var(--dur-fast) var(--ease), color var(--dur-fast) var(--ease),
              box-shadow var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease),
              transform var(--dur-fast) var(--ease);
  white-space: nowrap;
}
.btn .icon { width: 1.1em; height: 1.1em; }
.btn--primary { background: var(--brand-600); color: #fff; }
.btn--primary:hover { background: var(--brand-700); box-shadow: var(--shadow-md); }
.btn--wa { background: var(--wa-btn); color: #fff; }
.btn--wa:hover { background: var(--wa-dark); box-shadow: 0 6px 20px -4px rgba(21,122,58,.5); }
.btn--outline { background: transparent; color: var(--brand-700); border: 1.5px solid var(--border-strong); }
.btn--outline:hover { border-color: var(--brand-600); background: var(--brand-50); }
.btn--outline-invert { background: rgba(255,255,255,.06); color: #fff; border: 1.5px solid rgba(255,255,255,.35); }
.btn--outline-invert:hover { background: rgba(255,255,255,.14); border-color: rgba(255,255,255,.6); }
.btn--ghost { background: transparent; color: var(--ink-500); }
.btn--ghost:hover { color: var(--brand-700); background: var(--surface-100); }
.btn--lg { padding: 1.05rem 2.1rem; font-size: 1rem; }
.btn--sm { padding: .55rem 1.1rem; font-size: .85rem; }
.btn--full { width: 100%; }
.btn:active { transform: scale(.98); }
.btn[disabled] { opacity: .55; cursor: not-allowed; pointer-events: none; }
.btn--loading .btn__label { opacity: 0; }
.btn__spinner {
  position: absolute; width: 18px; height: 18px; border-radius: 50%;
  border: 2px solid rgba(255,255,255,.4); border-top-color: #fff;
  animation: spin .7s linear infinite; display: none;
}
.btn--loading { position: relative; }
.btn--loading .btn__spinner { display: block; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ===== BADGE / PILL ===== */
.badge {
  display: inline-flex; align-items: center; gap: .4rem;
  font-size: .78rem; font-weight: 700; padding: .35rem .85rem;
  border-radius: var(--radius-full); letter-spacing: .01em;
}
.badge--invert { background: rgba(255,255,255,.1); color: rgba(255,255,255,.92); border: 1px solid rgba(255,255,255,.18); }
.badge--accent { background: var(--accent-100); color: var(--accent-600); }
.badge--brand { background: var(--brand-100); color: var(--brand-700); }

/* ===== HEADER ===== */
.header {
  position: sticky; top: 0; z-index: 100;
  background: var(--brand-900);
  height: var(--header-h);
}
.header__inner { display: flex; align-items: center; justify-content: space-between; height: 100%; }
.logo { display: flex; align-items: center; gap: .65rem; }
.logo__img { height: 34px; width: auto; }
.logo__text { color: #fff; font-weight: 800; font-size: 1.05rem; letter-spacing: -.01em; }

.nav__list { display: flex; align-items: center; gap: .15rem; }
.nav__link {
  padding: .6rem .9rem; border-radius: var(--radius-sm); font-size: .9rem; font-weight: 600;
  color: rgba(255,255,255,.78); transition: background var(--dur-fast) var(--ease), color var(--dur-fast) var(--ease);
}
.nav__link:hover { color: #fff; background: rgba(255,255,255,.08); }
.nav__link--cta { background: var(--wa-btn); color: #fff; border-radius: var(--radius-full); padding: .6rem 1.25rem; margin-left: .5rem; }
.nav__link--cta:hover { background: var(--wa-dark); }

.hamburger {
  display: none; flex-direction: column; justify-content: center; gap: 5px;
  width: 40px; height: 40px; border-radius: var(--radius-sm);
}
.hamburger:hover { background: rgba(255,255,255,.08); }
.hamburger span { width: 20px; height: 2px; background: #fff; border-radius: 2px; transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease); }
.hamburger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.hamburger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ===== HERO ===== */
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(155deg, var(--brand-900) 0%, #0d2c52 55%, #0a213f 100%);
  padding: clamp(3.5rem, 8vw, 6rem) 0;
}
.hero__watermark {
  position: absolute; inset: 0; pointer-events: none; opacity: .5;
  display: flex; align-items: center; justify-content: flex-end; padding-right: 1rem;
}
.hero__watermark svg { width: min(46%, 620px); height: auto; }
.hero__inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr .9fr; gap: 3.5rem; align-items: center; }
.hero__eyebrow { color: rgba(186, 214, 255, .9); }
.hero__title {
  font-size: clamp(2rem, 3.6vw, 2.85rem); color: #fff; margin: 1.1rem 0 .9rem; font-weight: 800;
}
.hero__title strong { color: var(--accent-500); }
.hero__subtitle { font-size: 1.1rem; color: rgba(255,255,255,.78); max-width: 46ch; margin-bottom: 1.75rem; }
.hero__facts { display: flex; flex-wrap: wrap; gap: .55rem; margin-bottom: 2rem; }
.hero__actions { display: flex; gap: .9rem; flex-wrap: wrap; align-items: center; }
.hero__disclaimer { margin-top: 1.1rem; font-size: .78rem; color: rgba(255,255,255,.5); max-width: 46ch; }

.hero__visual {
  position: relative; border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow-lg); aspect-ratio: 4/5; background: var(--brand-800);
}
.hero__visual img { width: 100%; height: 100%; object-fit: cover; }
.hero__visual::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(0deg, rgba(10,20,40,.55) 0%, transparent 45%);
}
.hero__visual-caption {
  position: absolute; left: 1.25rem; right: 1.25rem; bottom: 1.1rem; z-index: 1;
  color: #fff; font-size: .82rem; font-weight: 600; opacity: .92;
}

/* ===== TRUST BAR ===== */
.trustbar { background: var(--surface-50); border-bottom: 1px solid var(--border); padding: 1.1rem 0; }
.trustbar__grid { display: flex; justify-content: center; flex-wrap: wrap; gap: 1.75rem 2.25rem; }
.trustbar__item { display: flex; align-items: center; gap: .55rem; color: var(--ink-700); font-weight: 600; font-size: .85rem; }
.trustbar__item .icon { color: var(--brand-600); width: 1.1em; height: 1.1em; }

/* ===== SECTION BASE ===== */
.section { padding: clamp(3.5rem, 7vw, 6.5rem) 0; }
.section--alt { background: var(--surface-50); }
.section__header { max-width: 680px; margin: 0 auto 3rem; text-align: center; }
.section__eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 800; text-transform: uppercase;
  letter-spacing: .08em; color: var(--brand-600); margin-bottom: .6rem;
}
.section__title { font-size: clamp(1.65rem, 2.8vw, 2.3rem); color: var(--ink-900); margin-bottom: .85rem; }
.section__title--invert { color: #fff; }
.section__subtitle { font-size: 1.02rem; color: var(--ink-500); }
.section__subtitle--invert { color: rgba(255,255,255,.72); }

/* ===== ¿PARA QUIÉNES? ===== */
.segments__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; }
.segment-card {
  background: var(--surface-0); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 1.75rem; display: flex; flex-direction: column; gap: .35rem;
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease), transform var(--dur) var(--ease);
}
.segment-card:hover { border-color: var(--brand-500); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.segment-card .icon-tile { margin-bottom: .75rem; }
.segment-card h3 { font-size: 1.02rem; }
.segment-card p { font-size: .88rem; color: var(--ink-500); }
.segment-card__cta { margin-top: .85rem; font-size: .84rem; font-weight: 700; color: var(--brand-600); display: inline-flex; align-items: center; gap: .3rem; }
.segment-card__cta .icon { width: 1em; height: 1em; transition: transform var(--dur) var(--ease); }
.segment-card:hover .segment-card__cta .icon { transform: translateX(3px); }

/* ===== LÍNEA FUERZAS (fondo oscuro) ===== */
.line-section { position: relative; }
.line-section--dark {
  background: linear-gradient(170deg, var(--brand-900) 0%, #0c2947 100%);
  color: #fff;
}
.branches__row { display: flex; flex-wrap: wrap; justify-content: center; gap: .85rem; margin-bottom: 2.75rem; }
.branch-chip {
  display: flex; align-items: center; gap: .55rem;
  background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.14);
  padding: .7rem 1.15rem; border-radius: var(--radius-full);
  font-size: .85rem; font-weight: 700; color: rgba(255,255,255,.9);
  transition: border-color var(--dur) var(--ease), background var(--dur) var(--ease);
}
.branch-chip:hover { border-color: var(--accent-500); background: rgba(200,149,46,.12); }
.branch-chip .icon { width: 1.05em; height: 1.05em; color: var(--accent-500); }

.benefits__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; margin-bottom: 2.75rem; }
.benefit-card {
  background: rgba(255,255,255,.045); border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg); padding: 1.5rem;
}
.benefit-card h3 { font-size: 1rem; color: #fff; margin-bottom: .3rem; }
.benefit-card p { font-size: .87rem; color: rgba(255,255,255,.6); }
.benefit-card .icon-tile { margin-bottom: .9rem; }

.flyers__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-bottom: 2.5rem; }
.flyer-card { position: relative; border-radius: var(--radius); overflow: hidden; aspect-ratio: 3/4; background: var(--brand-800); }
.flyer-card img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s var(--ease); }
.flyer-card:hover img { transform: scale(1.045); }
.flyer-card__btn {
  position: absolute; inset-inline: 0; bottom: 0;
  background: linear-gradient(0deg, rgba(6,14,26,.92) 0%, transparent 100%);
  color: #fff; font-weight: 700; font-size: .82rem;
  padding: 2.25rem .85rem .85rem; display: flex; align-items: center; gap: .4rem;
  transition: background var(--dur) var(--ease);
}
.flyer-card:hover .flyer-card__btn { background: linear-gradient(0deg, rgba(21,122,58,.94) 0%, transparent 100%); }
.flyer-card__btn .icon { width: 1em; height: 1em; }

.line-cta { text-align: center; }

/* ===== LÍNEA EMPLEADOS PÚBLICOS ===== */
.docs__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin: 2rem 0 2.5rem; }
.doc-card { display: flex; gap: 1rem; align-items: flex-start; background: var(--surface-0); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.25rem; }
.doc-card__num {
  background: var(--brand-600); color: #fff; font-size: .8rem; font-weight: 800;
  width: 30px; height: 30px; border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.doc-card strong { display: block; font-size: .9rem; margin-bottom: .15rem; }
.doc-card p { font-size: .82rem; color: var(--ink-500); }

.perks__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; background: var(--surface-50); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; margin-bottom: 2.25rem; }
.perk { display: flex; gap: .9rem; align-items: flex-start; }
.perk strong { display: block; font-size: .95rem; margin-bottom: .2rem; }
.perk p { font-size: .85rem; color: var(--ink-500); }

/* ===== CÓMO FUNCIONA ===== */
.steps__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
.step { text-align: center; padding: 0 .5rem; }
.step__num {
  width: 46px; height: 46px; border-radius: 50%; margin: 0 auto 1.1rem;
  background: var(--brand-600); color: #fff; font-weight: 800; font-size: 1.15rem;
  display: flex; align-items: center; justify-content: center;
}
.step h3 { font-size: .98rem; margin-bottom: .4rem; }
.step p { font-size: .85rem; color: var(--ink-500); }

/* ===== POR QUÉ ELEGIR CITYCRED ===== */
.why__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.1rem; }
.why-card { padding: 1.5rem 0; }
.why-card .icon-tile { margin-bottom: 1rem; }
.why-card h3 { font-size: 1rem; margin-bottom: .4rem; }
.why-card p { font-size: .88rem; color: var(--ink-500); }

/* ===== FAQ ===== */
.faq__list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: .7rem; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface-0); overflow: hidden; }
.faq-item__q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  padding: 1.15rem 1.4rem; font-size: .98rem; font-weight: 700; color: var(--ink-900); text-align: left;
  transition: background var(--dur-fast) var(--ease);
}
.faq-item__q:hover { background: var(--surface-50); }
.faq-item__q[aria-expanded="true"] { color: var(--brand-700); background: var(--brand-50); }
.faq-item__icon { color: var(--brand-600); transition: transform var(--dur) var(--ease); flex-shrink: 0; }
.faq-item__q[aria-expanded="true"] .faq-item__icon { transform: rotate(45deg); }
.faq-item__a {
  display: grid; grid-template-rows: 0fr; transition: grid-template-rows var(--dur) var(--ease);
}
.faq-item__a[data-open="true"] { grid-template-rows: 1fr; }
.faq-item__a-inner { overflow: hidden; }
.faq-item__a p { padding: 0 1.4rem 1.25rem; color: var(--ink-500); font-size: .93rem; line-height: 1.7; }

/* ===== CONTACTO ===== */
.contact__grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 3rem; align-items: start; }
.contact-block { margin-bottom: 1.4rem; display: flex; gap: .85rem; }
.contact-block h3 { font-size: .88rem; font-weight: 800; color: var(--ink-900); margin-bottom: .2rem; }
.contact-block p { font-size: .9rem; color: var(--ink-500); }
.contact__socials { display: flex; gap: .7rem; flex-wrap: wrap; margin-top: 1.5rem; }
.social-btn {
  width: 42px; height: 42px; border-radius: 50%; display: flex; align-items: center; justify-content: center;
  background: var(--surface-100); color: var(--ink-700); transition: background var(--dur-fast) var(--ease), color var(--dur-fast) var(--ease);
}
.social-btn:hover { background: var(--brand-600); color: #fff; }

.form-card { background: var(--surface-50); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: clamp(1.5rem, 3vw, 2.25rem); }
.form-card h3 { font-size: 1.15rem; margin-bottom: 1.5rem; }
.field { display: flex; flex-direction: column; gap: .4rem; margin-bottom: 1.1rem; }
.field label { font-size: .78rem; font-weight: 700; color: var(--ink-700); text-transform: uppercase; letter-spacing: .04em; }
.field input, .field select, .field textarea {
  padding: .8rem 1rem; border: 1.5px solid var(--border-strong); border-radius: var(--radius-sm);
  background: var(--surface-0); width: 100%; transition: border-color var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease);
}
.field input:hover, .field select:hover, .field textarea:hover { border-color: var(--ink-400); }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--brand-500); box-shadow: 0 0 0 3.5px var(--brand-100);
}
.field textarea { resize: vertical; min-height: 84px; }
.field--error input, .field--error select { border-color: var(--danger); }
.field__error { display: none; font-size: .78rem; color: var(--danger); font-weight: 600; }
.field--error .field__error { display: block; }
.field--checkbox { flex-direction: row; align-items: flex-start; gap: .65rem; }
.field--checkbox input { width: 18px; height: 18px; margin-top: .15rem; accent-color: var(--brand-600); flex-shrink: 0; }
.field--checkbox label { text-transform: none; font-weight: 500; font-size: .85rem; color: var(--ink-500); letter-spacing: 0; }
.field--checkbox label a { color: var(--brand-600); font-weight: 700; }
.form__legal { text-align: center; font-size: .76rem; color: var(--ink-500); margin-top: .9rem; }
.form__status { text-align: center; font-size: .88rem; font-weight: 600; margin-top: .9rem; padding: .7rem; border-radius: var(--radius-sm); display: none; }
.form__status--ok { display: block; background: #eafaf1; color: var(--ok); }
.form__status--err { display: block; background: var(--danger-bg); color: var(--danger); }

/* ===== FOOTER ===== */
.footer { background: var(--brand-900); color: rgba(255,255,255,.75); padding: 3.5rem 0 0; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 2.5rem; padding-bottom: 2.75rem; }
.footer__brand p { margin-top: .9rem; font-size: .87rem; color: rgba(255,255,255,.5); line-height: 1.7; max-width: 30ch; }
.footer h4 { font-size: .78rem; font-weight: 800; color: #fff; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 1rem; }
.footer__links ul { display: flex; flex-direction: column; gap: .55rem; }
.footer__links a { font-size: .87rem; color: rgba(255,255,255,.55); transition: color var(--dur-fast) var(--ease); }
.footer__links a:hover { color: var(--accent-500); }
.footer__contact p { font-size: .87rem; margin-bottom: .5rem; color: rgba(255,255,255,.55); }
.footer__bottom { border-top: 1px solid rgba(255,255,255,.09); padding: 1.5rem 0; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: .6rem; }
.footer__legal-name { font-size: .85rem; font-weight: 700; color: rgba(255,255,255,.7); letter-spacing: .04em; text-transform: uppercase; }
.footer__fine { font-size: .74rem; color: rgba(255,255,255,.68); max-width: 60ch; }

/* ===== WHATSAPP FLOTANTE ===== */
.wa-float {
  position: fixed; bottom: 1.5rem; right: 1.5rem; z-index: 999;
  background: var(--wa); width: 58px; height: 58px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 22px -4px rgba(37,211,102,.6);
  transition: transform var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease);
}
.wa-float:hover { transform: scale(1.08); box-shadow: 0 8px 28px -4px rgba(37,211,102,.75); }
.wa-float .icon { width: 28px; height: 28px; color: #fff; stroke: none; fill: currentColor; }
.wa-float__tip {
  position: absolute; right: 68px; background: var(--brand-900); color: #fff;
  font-size: .78rem; font-weight: 700; padding: .5rem 1rem; border-radius: var(--radius-sm);
  white-space: nowrap; opacity: 0; pointer-events: none; transition: opacity var(--dur-fast) var(--ease);
}
.wa-float:hover .wa-float__tip { opacity: 1; }

/* ===== TOAST (confirmación previa a abrir WhatsApp) ===== */
.wa-toast {
  position: fixed; bottom: 1.5rem; left: 50%; transform: translateX(-50%) translateY(20px);
  background: var(--brand-900); color: #fff; padding: .85rem 1.4rem; border-radius: var(--radius-full);
  font-size: .88rem; font-weight: 600; box-shadow: var(--shadow-lg); z-index: 1000;
  display: flex; align-items: center; gap: .6rem; opacity: 0; pointer-events: none;
  transition: opacity var(--dur) var(--ease), transform var(--dur) var(--ease);
}
.wa-toast.is-visible { opacity: 1; transform: translateX(-50%) translateY(0); }
.wa-toast .icon { color: var(--wa); width: 1.2em; height: 1.2em; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .segments__grid { grid-template-columns: repeat(2, 1fr); }
  .flyers__grid { grid-template-columns: repeat(2, 1fr); }
  .benefits__grid { grid-template-columns: repeat(2, 1fr); }
  .docs__grid { grid-template-columns: repeat(2, 1fr); }
  .why__grid { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .perks__grid { grid-template-columns: 1fr; }
}

@media (max-width: 840px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__visual { max-width: 380px; margin: 0 auto; aspect-ratio: 4/3; }
  .hero__watermark { display: none; }
  .contact__grid { grid-template-columns: 1fr; }
  .steps__grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 680px) {
  :root { --header-h: 64px; }
  .nav {
    display: none; position: fixed; inset: var(--header-h) 0 0 0; z-index: 90;
    background: var(--brand-900); overflow-y: auto; padding: 1.5rem;
  }
  .nav.is-open { display: block; }
  .nav__list { flex-direction: column; align-items: stretch; gap: .3rem; }
  .nav__link { padding: 1rem 1.1rem; font-size: 1rem; border-radius: var(--radius-sm); }
  .nav__link--cta { margin: .75rem 0 0; text-align: center; justify-content: center; display: flex; }
  .hamburger { display: flex; }
  .segments__grid { grid-template-columns: 1fr; }
  .flyers__grid { grid-template-columns: 1fr 1fr; }
  .benefits__grid { grid-template-columns: 1fr; }
  .docs__grid { grid-template-columns: 1fr; }
  .why__grid { grid-template-columns: 1fr; }
  .steps__grid { grid-template-columns: 1fr; gap: 1.75rem; }
  .footer__grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer__bottom { flex-direction: column; align-items: flex-start; }
  .branches__row { gap: .5rem; }
  .branch-chip { padding: .55rem .9rem; font-size: .8rem; }
  .hero__actions .btn, .btn--full-mobile { width: 100%; }
  .hero__actions { flex-direction: column; align-items: stretch; }
}

@media (max-width: 420px) {
  .flyers__grid { grid-template-columns: 1fr; }
}