/* ===== CrediPlan · estilos ===== */
:root{
  --azul:#4a2480; --azul2:#c12c83; --naranja:#d6249f; --verde:#6a2f9c;
  --tinta:#261c33; --gris:#5b5566; --gris2:#8a8398; --bg:#f6f3fb;
  --linea:#ece6f3; --blanco:#ffffff; --radio:14px;
  --sombra:0 8px 30px rgba(40,20,74,.10);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Open Sans',system-ui,sans-serif;color:var(--tinta);background:var(--bg);line-height:1.6}
h1,h2,h3,h4,h5{font-family:'Montserrat',sans-serif;color:var(--azul);line-height:1.18}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.container{width:min(1140px,92%);margin:0 auto}

/* ===== Botones ===== */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  padding:.85rem 1.5rem;border-radius:50px;font-family:'Montserrat';font-weight:700;
  font-size:.97rem;cursor:pointer;border:2px solid transparent;transition:.18s;text-align:center}
.btn--primary{background:var(--naranja);color:#fff}
.btn--primary:hover{background:#e0720f;transform:translateY(-2px)}
.btn--ghost{background:transparent;color:var(--azul);border-color:var(--azul)}
.btn--ghost:hover{background:var(--azul);color:#fff}
.btn--green{background:var(--verde);color:#fff}
.btn--green:hover{background:#4a9626}
.btn--white{background:#fff;color:var(--azul)}
.btn--white:hover{transform:translateY(-2px)}
.btn--block{width:100%;margin-top:.6rem}

/* ===== Navbar ===== */
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);
  backdrop-filter:blur(8px);border-bottom:1px solid var(--linea)}
.nav__inner{display:flex;align-items:center;justify-content:space-between;padding:.7rem 0}
.nav__brand{display:flex;align-items:center;gap:.6rem}
.nav__logo{height:46px}
.nav__brandtext{display:flex;flex-direction:column;font-family:'Montserrat';font-weight:800;
  font-size:1.45rem;color:var(--azul);line-height:1}
.nav__brandtext small{font-size:.62rem;font-weight:600;color:var(--naranja);font-style:italic;letter-spacing:.5px}
.nav__links{display:flex;align-items:center;gap:1.4rem}
.nav__links a{font-family:'Montserrat';font-weight:600;color:var(--tinta);font-size:.95rem}
.nav__links a:hover{color:var(--azul)}
.nav__cta{background:var(--azul);color:#fff!important;padding:.5rem 1.1rem;border-radius:50px}
.nav__cta:hover{background:#16285f}
.nav__emp{background:var(--verde);color:#fff!important;padding:.5rem 1.1rem;border-radius:50px}
.nav__emp:hover{background:#4a9626}
.nav__toggle{display:none;font-size:1.6rem;background:none;border:none;color:var(--azul);cursor:pointer}

/* ===== Hero ===== */
.hero{background:#0b0a16 url("../assets/crediplan-banner.svg") center/cover no-repeat;
  color:#fff;padding:4.5rem 0 5rem;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;z-index:1;
  background:linear-gradient(120deg,rgba(11,10,22,.74) 0%,rgba(52,27,92,.5) 45%,rgba(193,44,131,.22) 100%)}
.hero--emp{background:#0b0a16 url("../assets/crediplan-banner.svg") center/cover no-repeat}
.hero__inner{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center;position:relative;z-index:2}
.hero__badge{display:inline-block;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.3);
  padding:.35rem 1rem;border-radius:50px;font-family:'Montserrat';font-weight:600;font-size:.82rem;margin-bottom:1.2rem}
.hero__text h1{color:#fff;font-size:2.9rem;font-weight:800;margin-bottom:1rem}
.hero__text h1 span{color:var(--naranja)}
.hero__text p{font-size:1.12rem;color:rgba(255,255,255,.9);max-width:520px;margin-bottom:1.6rem}
.hero__actions{display:flex;gap:.8rem;flex-wrap:wrap}
.hero__slogan{margin-top:1.4rem;font-family:'Montserrat';font-style:italic;font-weight:700;color:var(--naranja);font-size:1.05rem}

/* Simulador */
.hero__card{background:#fff;color:var(--tinta);border-radius:var(--radio);padding:1.6rem;box-shadow:var(--sombra)}
.hero__card h3{font-size:1.2rem;margin-bottom:1rem}
.hero__card label{display:block;font-weight:600;font-size:.85rem;color:var(--gris);margin:.9rem 0 .3rem}
.hero__card input[type=range]{width:100%;accent-color:var(--naranja)}
.hero__card select{width:100%;padding:.6rem;border:1px solid var(--linea);border-radius:10px;font-size:1rem}
.sim__row{display:flex;justify-content:space-between;align-items:center;margin-top:.4rem;font-size:.95rem}
.sim__row strong{color:var(--azul);font-size:1.1rem;font-family:'Montserrat'}
.sim__cuota{display:flex;justify-content:space-between;align-items:center;background:var(--bg);
  border-radius:12px;padding:.9rem 1rem;margin:1rem 0 .4rem}
.sim__cuota strong{color:var(--naranja);font-size:1.5rem;font-family:'Montserrat';font-weight:800}
.sim__nota{display:block;color:var(--gris2);font-size:.72rem;margin-bottom:.4rem}

/* ===== Secciones ===== */
section{padding:3.8rem 0}
.section__title{font-size:2rem;text-align:center;font-weight:800}
.section__title--left{text-align:left}
.section__sub{text-align:center;color:var(--gris);margin:.5rem 0 2.2rem}

/* Beneficios */
.benes{background:#fff;padding:2.6rem 0}
.benes__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}
.bene{text-align:center;padding:1rem}
.bene__ico{font-size:2.2rem;margin-bottom:.4rem}
.bene h4{font-size:1.05rem;margin-bottom:.3rem}
.bene p{color:var(--gris);font-size:.9rem}

/* Pasos */
.pasos{display:grid;grid-template-columns:repeat(4,1fr);gap:1.3rem}
.paso{background:#fff;border:1px solid var(--linea);border-radius:var(--radio);padding:1.6rem 1.3rem;
  position:relative;transition:.18s}
.paso:hover{box-shadow:var(--sombra);transform:translateY(-3px)}
.paso__n{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;
  background:var(--naranja);color:#fff;font-family:'Montserrat';font-weight:800;font-size:1.2rem;margin-bottom:.7rem}
.paso h4{margin-bottom:.3rem}
.paso p{color:var(--gris);font-size:.92rem}

/* Equipos */
.equipos__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.equipo{background:#fff;border:1px solid var(--linea);border-left:4px solid var(--azul2);
  border-radius:10px;padding:1.1rem 1.2rem;font-family:'Montserrat';font-weight:600;font-size:.98rem;transition:.18s}
.equipo:hover{border-left-color:var(--naranja);box-shadow:var(--sombra)}

/* Requisitos */
.requisitos{background:#fff}
.requisitos__inner{display:grid;grid-template-columns:1.3fr .7fr;gap:2.5rem;align-items:start}
.req__list{list-style:none;margin-top:.5rem}
.req__list li{position:relative;padding:.6rem 0 .6rem 2rem;border-bottom:1px dashed var(--linea)}
.req__list li::before{content:"✓";position:absolute;left:0;top:.55rem;color:var(--verde);font-weight:800}
.req__box{background:linear-gradient(140deg,var(--azul),var(--azul2));color:#fff;border-radius:var(--radio);padding:1.8rem}
.req__box--emp{background:linear-gradient(140deg,#1c7a3a,var(--verde))}
.req__box h3{color:#fff;margin-bottom:.5rem}
.req__box p{color:rgba(255,255,255,.9);margin-bottom:1rem;font-size:.92rem}

/* Banda colaboradores */
.empband{background:linear-gradient(120deg,#241043,var(--azul2));color:#fff}
.empband__inner{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;flex-wrap:wrap}
.empband__left{display:flex;align-items:center;gap:1.2rem}
.empband__ico{height:60px;flex:0 0 auto}
.empband h3{color:#fff;font-size:1.5rem}
.empband p{color:rgba(255,255,255,.92)}

/* Formulario */
.solicitud{background:var(--bg)}
.form{background:#fff;border:1px solid var(--linea);border-radius:var(--radio);padding:2rem;max-width:840px;
  margin:0 auto;box-shadow:var(--sombra)}
.form__grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem 1.3rem}
.form label{display:block;font-weight:600;font-size:.85rem;color:var(--gris)}
.form__full{margin-top:1rem}
.form input,.form select,.form textarea{width:100%;margin-top:.3rem;padding:.7rem .8rem;border:1px solid var(--linea);
  border-radius:10px;font-size:1rem;font-family:inherit;color:var(--tinta)}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--azul2);
  box-shadow:0 0 0 3px rgba(61,160,219,.15)}
.form__check{display:flex;align-items:flex-start;gap:.6rem;margin-top:1.1rem;font-size:.85rem;color:var(--gris)}
.form__check input{width:auto;margin-top:.25rem}
.form__msg{text-align:center;margin-top:1rem;font-weight:600}
.form__msg.ok{color:var(--verde)}
.form__msg.err{color:#c0392b}
.hp{position:absolute;left:-9999px}

/* Footer */
.footer{background:var(--tinta);color:#cdd5e6;padding:3rem 0 0}
.footer__inner{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem;padding-bottom:2rem}
.footer__brand{font-family:'Montserrat';font-weight:800;font-size:1.6rem;color:#fff}
.footer__logo{height:56px;margin-bottom:.4rem}
.footer h5{color:#fff;margin-bottom:.6rem;font-size:1rem}
.footer p{font-size:.9rem;margin-bottom:.5rem}
.footer a:hover{color:#fff}
.footer__bottom{border-top:1px solid rgba(255,255,255,.1);text-align:center;padding:1.1rem 0;font-size:.82rem;color:var(--gris2)}

/* ===== Responsive ===== */
@media(max-width:880px){
  .hero__inner,.requisitos__inner{grid-template-columns:1fr}
  .benes__grid,.pasos,.equipos__grid{grid-template-columns:1fr 1fr}
  .footer__inner{grid-template-columns:1fr}
  .nav__toggle{display:block}
  .nav__links{position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;
    padding:1rem 6%;gap:.8rem;border-bottom:1px solid var(--linea);box-shadow:var(--sombra);
    display:none}
  .nav__links.open{display:flex}
  .hero__text h1{font-size:2.2rem}
}
@media(max-width:520px){
  .benes__grid,.pasos,.equipos__grid,.form__grid{grid-template-columns:1fr}
  .section__title{font-size:1.6rem}
}