/**
 * NEVEN - Design System & Custom Stylesheet
 * Custom CSS with a premium corporate aesthetic.
 * Focuses on Dark Navy (#0a2540), Light Gray, and Cyan/Teal (#00d2c4) accents.
 */

/* ==========================================================================
   0. FONTS DEFINITIONS (Local Quasimoda Fonts)
   ========================================================================== */
@font-face {
    font-family: 'Quasimoda';
    src: url('../fonts/Quasimoda Light.otf') format('opentype');
    font-weight: 300;
    font-style: normal;
    font-display: swap;
}

@font-face {
    font-family: 'Quasimoda';
    src: url('../fonts/Quasimoda Regular.otf') format('opentype');
    font-weight: 400;
    font-style: normal;
    font-display: swap;
}

@font-face {
    font-family: 'Quasimoda';
    src: url('../fonts/Quasimoda Medium.otf') format('opentype');
    font-weight: 500;
    font-style: normal;
    font-display: swap;
}

@font-face {
    font-family: 'Quasimoda';
    src: url('../fonts/Quasimoda SemiBold.otf') format('opentype');
    font-weight: 600;
    font-style: normal;
    font-display: swap;
}

@font-face {
    font-family: 'Quasimoda';
    src: url('../fonts/Quasimoda Bold.otf') format('opentype');
    font-weight: 700;
    font-style: normal;
    font-display: swap;
}

@font-face {
    font-family: 'Quasimoda';
    src: url('../fonts/Quasimoda Bold.otf') format('opentype');
    font-weight: 800;
    font-style: normal;
    font-display: swap;
}

/* ==========================================================================
   1. VARIABLES & DESIGN TOKENS
   ========================================================================== */
:root {
    /* Color Palette */
    --navy-deep: #0a2540;
    --navy-medium: #0f3460;
    --navy-light: #163e72;
    --cyan: #00d2c4;
    --cyan-hover: #00bfa5;
    --light-gray: #f4f6f9;
    --border-gray: #e8ecf0;
    --cream: #f6f5f0;
    --white: #ffffff;
    
    /* New Color Palette (Step-by-Step Transition) */
    --new-navy-deep: #04243f;
    --new-navy-medium: #365066;
    --new-navy-light: #697c8c;
    --new-navy-soft: #9ba8b2;
    --new-light-gray-1: #c7c8ca;
    --new-light-gray-2: #cfd0d2;
    --new-light-gray-3: #dadbdd;
    --new-light-gray-4: #e6e6e7;
    --slate-blue: #92949f;
    --pure-white: #fdffff;
    --pale-brown: #726658;
    
    /* Text Colors */
    --text-dark: #2d3748;
    --text-muted: #64748b;
    --text-light: #f8fafc;
    
    /* Typography */
    --font-heading: 'Quasimoda', 'Outfit', 'Montserrat', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    --font-body: 'Quasimoda', 'Montserrat', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    
    /* Animation & Transitions */
    --transition-smooth: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
    --transition-fast: all 0.25s ease;
    
    /* Layout Constants */
    --header-height: 80px;
    --notice-bar-height: 34px;
}

/* ==========================================================================
   2. GLOBAL & RESET STYLES
   ========================================================================== */
* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-body);
    color: var(--text-dark);
    background-color: var(--white);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body.menu-open {
    overflow: hidden;
}

/* Utility Containers */
.app-container {
    position: relative;
    width: 100%;
}

.container {
    max-width: 80vw;
    margin: 0 auto;
    padding: 0 32px;
}

/* Section Margins & Headers */
section {
    padding: 100px 0;
    position: relative;
    /* Adjust anchor scroll position to clear the sticky header */
    scroll-margin-top: calc(var(--header-height) + var(--notice-bar-height) - 10px);
}

.section-title {
    font-family: var(--font-heading);
    font-size: 3.5rem;
    font-weight: 700;
    color: var(--navy-deep);
    margin-bottom: 50px;
    letter-spacing: -0.5px;
    position: relative;
    display: inline-block;
}

.section-title::after {
    content: '';
    display: block;
    width: 50px;
    height: 4px;
    background: var(--pale-brown);
    margin-top: 12px;
    border-radius: 2px;
}

/* Common Image Wrapper */
img {
    max-width: 100%;
    height: auto;
    display: block;
}

/* ==========================================================================
   3. HEADER & NAVIGATION
   ========================================================================== */
.site-header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    transition: var(--transition-smooth);
}

/* Top regulatory notice */
.top-notice-bar {
    background-color: var(--navy-deep);
    color: rgba(255, 255, 255, 0.95);
    font-size: 0.85rem;
    font-weight: 400;
    line-height: 1.4;
    text-align: center;
    padding: 8px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    font-family: var(--font-body);
}

.top-notice-bar p {
    margin: 0;
    letter-spacing: 0.2px;
}

.notice-link {
    color: inherit;
    text-decoration: inherit;
    transition: var(--transition-fast);
}

.notice-link:hover {
    color: var(--pale-brown);
}

/* Main Navigation Navbar */
.main-navbar {
    background-color: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(10px);
    height: var(--header-height);
    display: flex;
    align-items: center;
    transition: var(--transition-smooth);
    border-bottom: 1px solid rgba(0, 0, 0, 0.05);
}

.site-header.scrolled .main-navbar {
    height: 70px;
    box-shadow: 0 10px 30px rgba(10, 37, 64, 0.05);
    background-color: var(--white);
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
}

/* Brand Logo Styling */
.logo-link {
    text-decoration: none;
    display: inline-block;
}

.logo-wrapper {
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.logo-image {
    height: 10vh;
    width: auto;
    object-fit: contain;
    display: block;
    transition: var(--transition-smooth);
}

.site-header.scrolled .logo-image {
    height: 9vh;
}

.logo-text {
    font-family: var(--font-heading);
    font-weight: 800;
    font-size: 1.85rem;
    color: var(--navy-deep);
    letter-spacing: 1px;
    line-height: 1;
}

.logo-subtext {
    font-family: var(--font-body);
    font-weight: 700;
    font-size: 0.5rem;
    color: var(--cyan);
    letter-spacing: 3px;
    margin-top: 4px;
    line-height: 1;
}

/* Navigation Links */
.nav-menu {
    display: flex;
    align-items: center;
}

.nav-list {
    display: flex;
    list-style: none;
    align-items: center;
    gap: 36px;
}

.nav-link {
    text-decoration: none;
    color: var(--navy-deep);
    font-family: var(--font-body);
    font-weight: 600;
    font-size: 0.9rem;
    padding: 8px 0;
    transition: var(--transition-fast);
    position: relative;
}

.nav-link:hover,
.nav-link.active {
    color: var(--pale-brown);
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--pale-brown);
    transition: var(--transition-fast);
}

.nav-link:hover::after,
.nav-link.active::after {
    width: 100%;
}

/* Accent button link for Contacto */
.nav-btn-accent {
    background-color: var(--navy-deep);
    color: var(--white) !important;
    padding: 11px 24px;
    border-radius: 50px;
    font-weight: 700;
    text-decoration: none;
    transition: var(--transition-smooth);
    box-shadow: 0 4px 15px rgba(10, 37, 64, 0.1);
}

.nav-btn-accent:hover,
.nav-btn-accent.active {
    background-color: var(--pale-brown);
    color: var(--white) !important;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(114, 102, 88, 0.25);
}

.nav-btn-accent::after {
    display: none; /* Disable underline for button */
}

/* Mobile Toggle Hamburger button */
.menu-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    flex-direction: column;
    justify-content: space-between;
    width: 26px;
    height: 18px;
    z-index: 1100;
}

.menu-toggle .bar {
    width: 100%;
    height: 2px;
    background-color: var(--navy-deep);
    border-radius: 4px;
    transition: var(--transition-fast);
}

/* ==========================================================================
   4. HERO SECTION
   ========================================================================== */
.hero-section {
    padding: 0;
    margin-top: calc(var(--header-height) + var(--notice-bar-height) - 1px);
    height: calc(100vh - (var(--header-height) + var(--notice-bar-height)));
    min-height: 580px;
    display: flex;
    align-items: center;
    background-image: url('../images/banner-principal.png');
    background-size: cover;
    background-position: center;
    overflow: hidden;
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 1;
}

.hero-container {
    position: relative;
    z-index: 2;
    width: 100%;
}

.hero-content {
    max-width: 580px;
}

.hero-title {
    font-family: var(--font-heading);
    font-size: 4rem;
    font-weight: 800;
    line-height: 1.15;
    color: var(--white);
    margin-bottom: 40px;
    letter-spacing: -0.5px;
}

.hero-actions {
    display: flex;
    gap: 20px;
}

/* Styled Button System */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 15px 30px;
    border-radius: 50px;
    font-family: var(--font-body);
    font-weight: 700;
    font-size: 0.95rem;
    text-decoration: none;
    transition: var(--transition-smooth);
    border: 2.5px solid transparent;
    cursor: pointer;
}

.btn-primary {
    background-color: var(--cyan);
    color: var(--navy-deep);
}

.btn-primary:hover {
    background-color: var(--white);
    color: var(--navy-deep);
    transform: translateY(-4px);
    box-shadow: 0 10px 25px rgba(0, 210, 196, 0.25);
}

.btn-secondary {
    background-color: transparent;
    border-color: var(--white);
    color: var(--white);
}

.btn-secondary:hover {
    background-color: var(--white);
    color: var(--navy-deep);
    transform: translateY(-4px);
    box-shadow: 0 10px 25px rgba(255, 255, 255, 0.15);
}

/* ==========================================================================
   5. INFO SECTION (¿Quiénes somos? & Valores)
   ========================================================================== */
.info-section {
    background-color: var(--new-light-gray-4);
}

.info-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: start;
}

.info-column-left {
    display: flex;
    flex-direction: column;
    gap: 40px;
}


.info-block h3 {
    font-family: var(--font-heading);
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--pale-brown);
    margin-bottom: 16px;
}

.info-block p {
    color: var(--navy-deep);
    font-size: 1.05rem;
    line-height: 1.65;
}

/* Values Column */
.values-heading {
    font-family: var(--font-heading);
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--pale-brown);
    margin-bottom: 40px;
}

.values-list {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.value-item {
    background-color: var(--white);
    padding: 16px 24px;
    border-radius: 8px;
    border: 1px solid var(--border-gray);
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.04);
    display: flex;
    align-items: center;
    gap: 24px;
    transition: var(--transition-smooth);
}

.value-item:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.08);
}

.value-name {
    flex: 0 0 180px;
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 1.05rem;
    color: var(--pale-brown);
}

.value-desc {
    flex: 1;
    font-size: 0.88rem;
    color: var(--navy-deep);
    line-height: 1.5;
}

/* ==========================================================================
   6. PRODUCTS SECTION (Créditos)
   ========================================================================== */
.products-section {
    background-color: var(--light-gray);
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 26px;
}

@media (max-width: 1200px) {
    .products-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (max-width: 900px) {
    .products-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

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

.product-card {
    background-color: var(--white);
    border-radius: 16px;
    overflow: hidden;
    border: 1px solid rgba(10, 37, 64, 0.08);
    box-shadow: 0 8px 30px rgba(10, 37, 64, 0.03);
    display: flex;
    flex-direction: column;
    transition: var(--transition-smooth);
}

.product-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 20px 40px rgba(10, 37, 64, 0.08);
    border-color: rgba(114, 102, 88, 0.4);
}

.product-image-wrapper {
    height: 170px;
    overflow: hidden;
    position: relative;
    background-color: var(--navy-deep);
}

.product-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition-smooth);
}

.product-card:hover .product-img {
    transform: scale(1.06);
    opacity: 0.9;
}

.product-info {
    padding: 30px 26px;
    display: flex;
    flex-direction: column;
    flex-grow: 1;
}

.product-title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 1.25rem;
    color: var(--navy-deep);
    margin-bottom: 16px;
    line-height: 1.3;
}

.product-regulatory-info {
    margin-bottom: 24px;
    flex-grow: 1;
}

.regulatory-label {
    display: block;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--pale-brown);
    margin-bottom: 4px;
}

.regulatory-text {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.55;
}

.product-description {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.65;
    margin-bottom: 24px;
    flex-grow: 1;
}

.product-link {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--navy-deep);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: var(--transition-fast);
    margin-top: auto;
    width: fit-content;
}

.product-link:hover {
    color: var(--pale-brown);
}

.product-link .arrow {
    transition: var(--transition-fast);
}

.product-link:hover .arrow {
    transform: translateX(4px);
}

/* ==========================================================================
   7. LEGAL SECTION
   ========================================================================== */
.legal-section {
    background-color: var(--white);
}

.legal-content {
    display: flex;
    flex-direction: column;
    gap: 50px;
}

.legal-block h3 {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy-deep);
    margin-bottom: 24px;
}

.legal-block h4 {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--navy-deep);
    margin-top: 15px;
    margin-bottom: 5px;
}

.legal-block p {
    color: var(--text-muted);
    font-size: 1.05rem;
    line-height: 1.7;
    margin-bottom: 20px;
}

.legal-text-layout {
    display: flex;
    flex-direction: column;
}

/* Buro de Entidades Financieras Styling */
.buro-branding {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    margin-top: 20px;
    padding-top: 40px;
    border-top: 1px solid var(--border-gray);
}

.buro-logo-container {
    margin-bottom: 20px;
    cursor: pointer;
    transition: var(--transition-smooth);
}

.buro-logo-container:hover {
    transform: scale(1.04);
}

.buro-logo-img {
    width: 110px;
    height: 110px;
    object-fit: contain;
    border-radius: 8px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.06);
}

.buro-link-text {
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--text-dark);
    font-weight: 500;
}

.external-link {
    color: var(--navy-deep);
    font-weight: 700;
    text-decoration: none;
    border-bottom: 2px solid var(--pale-brown);
    transition: var(--transition-fast);
    padding-bottom: 1px;
}

.external-link:hover {
    color: var(--pale-brown);
    border-bottom-color: var(--navy-deep);
}

/* Security Notice Staging/Warning Box */
.legal-separator {
    width: 100%;
    height: 1px;
    background-color: var(--border-gray);
    margin: 40px 0;
}

#aviso-seguridad {
    scroll-margin-top: calc(var(--header-height) + var(--notice-bar-height) + 20px);
}

/* ==========================================================================
   8. CONTACTO SECTION & UNE DETAILS
   ========================================================================== */
.contacto-section {
    background-color: var(--cream);
}

.contacto-intro {
    margin-bottom: 50px;
}

.contacto-intro p {
    font-size: 1.05rem;
    color: var(--text-dark);
    line-height: 1.65;
}

.contacto-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 32px;
    margin-bottom: 50px;
}

.contacto-card {
    background-color: var(--white);
    padding: 40px;
    border-radius: 16px;
    border: 1px solid rgba(10, 37, 64, 0.05);
    box-shadow: 0 10px 30px rgba(10, 37, 64, 0.01);
    display: flex;
    flex-direction: column;
    gap: 30px;
}

.contacto-card-item {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.contacto-label {
    font-family: var(--font-body);
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--pale-brown);
    font-weight: 700;
}

.contacto-value {
    font-family: var(--font-heading);
    font-size: 1.2rem;
    color: var(--navy-deep);
    font-weight: 700;
}

.contact-link {
    text-decoration: none;
    transition: var(--transition-fast);
    width: fit-content;
}

.contact-link:hover {
    color: var(--cyan);
}

/* CONDUSEF Banner */
.condusef-banner {
    background-color: var(--white);
    border-radius: 16px;
    padding: 30px 48px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    border: 1px solid rgba(10, 37, 64, 0.04);
    box-shadow: 0 10px 30px rgba(10, 37, 64, 0.01);
    flex-wrap: wrap;
    gap: 30px;
}

.condusef-logo-wrapper {
    flex-shrink: 0;
}

.condusef-info {
    display: flex;
    gap: 50px;
}

.condusef-info p {
    margin: 0;
    font-family: var(--font-body);
    font-size: 0.88rem;
    color: var(--text-dark);
    font-weight: 500;
}

.condusef-phone, 
.condusef-web {
    font-family: var(--font-heading);
    font-weight: 700;
    color: var(--navy-deep);
    text-decoration: none;
    transition: var(--transition-fast);
    font-size: 1.05rem;
    display: inline-block;
    margin-top: 4px;
}

.condusef-phone:hover, 
.condusef-web:hover {
    color: var(--pale-brown);
}

/* ==========================================================================
   9. FOOTER
   ========================================================================== */
.site-footer {
    background-color: var(--navy-deep);
    color: var(--white);
    padding: 80px 0 30px 0;
    border-top: 5px solid var(--pale-brown);
}

.footer-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 80px;
    margin-bottom: 60px;
    flex-wrap: wrap;
}

.footer-left {
    max-width: 480px;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.footer-logo-image {
    height: 10vh;
    width: auto;
    object-fit: contain;
    display: block;
}

.footer-desc {
    font-family: var(--font-body);
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.65;
}

.footer-right {
    display: flex;
    align-items: center;
}

.footer-nav-list {
    list-style: none;
    display: flex;
    flex-direction: row;
    gap: 40px;
    align-items: center;
}

.footer-link {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    font-family: var(--font-body);
    font-size: 1.5rem;
    transition: var(--transition-fast);
}

.footer-link:hover {
    color: var(--pale-brown);
}

/* Footer bottom copyright */
.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding-top: 30px;
    font-size: 0.72rem;
    font-family: var(--font-body);
    color: rgba(255, 255, 255, 0.45);
}

.footer-bottom-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
}

.regulatory-footer-tag {
    max-width: 600px;
    text-align: right;
    line-height: 1.5;
}

/* ==========================================================================
   10. SCROLL REVEAL & TRANSITION ANIMATIONS
   ========================================================================== */
/* Scroll animation hook */
.animate-on-scroll {
    opacity: 0;
    transform: translateY(35px);
    transition: opacity 1s cubic-bezier(0.16, 1, 0.3, 1), transform 1s cubic-bezier(0.16, 1, 0.3, 1);
}

.animate-on-scroll.is-visible {
    opacity: 1;
    transform: translateY(0);
}

/* Keyframes animations */
.animate-fade-in-up {
    opacity: 0;
    transform: translateY(25px);
    animation: fadeInUp 1s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

.delay-1 {
    animation-delay: 0.2s;
}

@keyframes fadeInUp {
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ==========================================================================
   11. RESPONSIVE BREAKPOINTS (Mobile & Tablets)
   ========================================================================== */

/* Large tablets / laptops (992px) */
@media (max-width: 992px) {
    .container {
        padding: 0 24px;
    }
    
    section {
        padding: 80px 0;
    }
    
    .info-grid {
        grid-template-columns: 1fr;
        gap: 50px;
    }
    
    .products-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 24px;
    }
    
    .contacto-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    
    .condusef-banner {
        padding: 24px 30px;
        flex-direction: column;
        align-items: flex-start;
    }
    
    .condusef-info {
        flex-direction: column;
        gap: 16px;
    }
}

/* Mobile & Small Tablets (768px) */
@media (max-width: 768px) {
    :root {
        --header-height: 70px;
    }

    .container {
        max-width: 95vw;
    }
    
    .top-notice-bar {
        padding: 8px 16px;
        font-size: 0.78rem;
    }

    .notice-link {
        white-space: nowrap;
    }
    
    .hero-section {
        height: auto;
        min-height: 480px;
        padding: 80px 0 30px 0;
        background-position: right center;
    }
    
    .hero-overlay {
        background: linear-gradient(180deg, rgba(10, 37, 64, 0.95) 0%, rgba(10, 37, 64, 0.85) 75%, rgba(10, 37, 64, 0.7) 100%);
    }
    
    .hero-title {
        font-size: 2.25rem;
        margin-bottom: 30px;
    }
    
    .hero-actions {
        flex-direction: column;
        gap: 14px;
    }
    
    .btn {
        width: 100%;
    }

    /* Mobile Header Centering & Left Hamburger */
    .nav-container {
        position: relative;
        display: flex;
        align-items: center;
        height: 100%;
    }

    #nav-logo {
        position: absolute;
        left: 50%;
        top: 50%;
        transform: translate(-50%, -50%);
        margin: 0;
        z-index: 10;
        display: block;
    }

    .logo-image {
        height: 40px;
        width: auto;
    }

    .menu-toggle {
        display: flex;
        margin-left: 0;
        position: relative;
        z-index: 15;
    }
    
    /* Navigation overlay */
    .nav-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 100%;
        max-width: 320px;
        height: 100vh;
        background-color: var(--white);
        box-shadow: -15px 0 40px rgba(10, 37, 64, 0.15);
        display: flex;
        align-items: center;
        justify-content: center;
        transition: var(--transition-smooth);
        z-index: 1000;
        padding: 40px;
    }
    
    .nav-menu.active {
        right: 0;
    }
    
    .nav-list {
        flex-direction: column;
        gap: 30px;
        text-align: center;
        width: 100%;
    }
    
    .nav-link {
        font-size: 1.15rem;
        display: block;
    }
    
    .nav-btn-accent {
        display: block;
        width: 100%;
    }
    
    /* Hamburger cross transition */
    .menu-toggle.active .bar:nth-child(1) {
        transform: translateY(6px) rotate(45deg);
    }
    
    .menu-toggle.active .bar:nth-child(2) {
        opacity: 0;
    }
    
    .menu-toggle.active .bar:nth-child(3) {
        transform: translateY(-6px) rotate(-45deg);
    }

    .products-grid {
        grid-template-columns: 1fr;
    }

    .value-item {
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
        padding: 20px;
    }

    .value-name {
        flex: none;
    }

    .footer-container {
        flex-direction: column;
        align-items: center;
        text-align: center;
        gap: 30px;
    }

    .footer-left {
        align-items: center;
    }

    .footer-nav-list {
        flex-direction: column;
        gap: 16px;
        align-items: center;
    }

    .footer-bottom-container {
        flex-direction: column;
        align-items: center;
        text-align: center;
        gap: 12px;
    }

    .regulatory-footer-tag {
        text-align: center;
    }
}

/* ==========================================================================
   IFIT BLOCK & FINANCIAL AUTHORITIES STYLES (MARCO LEGAL)
   ========================================================================== */
.ifit-block {
    margin-bottom: 35px;
}

.ifit-title {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 0;
}

.ifit-title-link,
.ifit-title-link:visited,
.ifit-title-link:link {
    color: var(--navy-deep);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: var(--transition-fast);
}

.ifit-title-link:hover {
    color: var(--pale-brown);
    text-decoration: none;
}

.external-link-icon {
    flex-shrink: 0;
    display: inline-block;
}

/* Autoridades Financieras */
.authorities-block {
    margin-bottom: 45px;
}

.authorities-subtitle {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy-deep);
    margin-bottom: 20px;
}

.authorities-row {
    display: flex;
    flex-direction: row;
    flex-wrap: wrap;
    align-items: center;
    gap: 24px;
}

.authority-logo {
    width: 110px;
    height: 110px;
    object-fit: contain;
    border-radius: 8px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.06);
    border: 1px solid var(--border-gray);
    background-color: var(--white);
    padding: 8px;
    transition: var(--transition-smooth);
}

.authority-logo:hover {
    transform: scale(1.04);
    box-shadow: 0 12px 35px rgba(10, 37, 64, 0.12);
}

@media (max-width: 576px) {
    .authorities-row {
        gap: 16px;
    }
    .authority-logo {
        width: 85px;
        height: 85px;
        padding: 6px;
    }
}

/* ==========================================================================
   FAQ SECTION (PREGUNTAS FRECUENTES) STYLES
   ========================================================================== */
.faq-section {
    background-color: var(--light-gray);
}

.faq-accordion {
    display: flex;
    flex-direction: column;
    gap: 16px;
    max-width: 100%;
}

.faq-item {
    background-color: var(--white);
    border: 1px solid var(--border-gray);
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.03);
    transition: var(--transition-fast);
}

.faq-item:hover {
    border-color: rgba(114, 102, 88, 0.3);
}

.faq-item.active {
    box-shadow: 0 6px 20px rgba(10, 37, 64, 0.08);
    border-color: var(--pale-brown);
}

.faq-header {
    width: 100%;
    background: none;
    border: none;
    outline: none;
    padding: 22px 28px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    text-align: left;
    transition: var(--transition-fast);
}

.faq-header:hover {
    background-color: rgba(10, 37, 64, 0.02);
}

.faq-question {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy-deep);
    line-height: 1.4;
    padding-right: 20px;
}

.faq-icon {
    font-family: var(--font-heading);
    font-size: 1.6rem;
    font-weight: 600;
    color: var(--pale-brown);
    flex-shrink: 0;
    line-height: 1;
    width: 28px;
    height: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background-color: rgba(114, 102, 88, 0.1);
    transition: transform 0.3s ease, background-color 0.3s ease;
}

.faq-item.active .faq-icon {
    background-color: var(--navy-deep);
    color: var(--white);
}

.faq-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s cubic-bezier(0, 1, 0, 1), padding 0.3s ease;
    padding: 0 28px;
}

.faq-item.active .faq-content {
    max-height: 800px;
    transition: max-height 0.5s ease-in-out, padding 0.3s ease;
    padding: 0 28px 24px 28px;
}

.faq-content p {
    color: var(--text-dark);
    font-size: 1.02rem;
    line-height: 1.6;
}

.faq-list {
    margin-left: 20px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.faq-list li {
    color: var(--text-dark);
    font-size: 1.02rem;
}

/* ==========================================================================
   13. FINANCIAL HEALTH TEXT BLOCK (SALUD FINANCIERA)
   ========================================================================== */
.products-financial-health {
    margin-bottom: 75px;
}

.products-financial-health .financial-health-title {
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--navy-deep);
    margin-bottom: 14px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.products-financial-health .health-icon {
    color: var(--pale-brown);
    flex-shrink: 0;
}

.products-financial-health p {
    color: var(--text-dark);
    font-size: 1.02rem;
    line-height: 1.65;
    margin-bottom: 10px;
}

.products-financial-health p:last-child {
    margin-bottom: 0;
}

.financial-health-bullets {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
    padding-left: 0;
    margin-left: 0;
}

.financial-health-bullets li {
    font-family: var(--font-body);
    font-size: 1.02rem;
    color: var(--text-dark);
    line-height: 1.6;
    position: relative;
    padding-left: 18px;
}

.financial-health-bullets li::before {
    content: "•";
    position: absolute;
    left: 0;
    top: -1px;
    color: var(--pale-brown);
    font-weight: bold;
    font-size: 1.3rem;
}

/* ==========================================================================
   14. PRODUCT MODAL SYSTEM
   ========================================================================== */
.btn-open-modal {
    background: none;
    border: none;
    cursor: pointer;
    font-family: inherit;
}

.modal-backdrop {
    position: fixed;
    top: 0;
    left: 0;
    width: 100vw;
    height: 100vh;
    background-color: rgba(4, 36, 63, 0.65);
    backdrop-filter: blur(4px);
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 24px;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s cubic-bezier(0.16, 1, 0.3, 1), visibility 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.modal-backdrop.active {
    opacity: 1;
    visibility: visible;
}

.modal-dialog {
    width: 100%;
    max-width: 720px;
    max-height: 90vh;
    background-color: var(--white);
    border-radius: 20px;
    box-shadow: 0 25px 50px -12px rgba(4, 36, 63, 0.35);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    transform: scale(0.92) translateY(20px);
    transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.modal-backdrop.active .modal-dialog {
    transform: scale(1) translateY(0);
}

.modal-content {
    display: flex;
    flex-direction: column;
    max-height: 90vh;
}

.modal-header {
    padding: 24px 32px;
    background-color: var(--navy-deep);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: space-between;
    border-bottom: 3px solid var(--pale-brown);
}

.modal-title {
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--white);
    margin: 0;
}

.modal-close {
    background: none;
    border: none;
    color: rgba(255, 255, 255, 0.7);
    font-size: 2rem;
    line-height: 1;
    cursor: pointer;
    transition: var(--transition-fast);
    padding: 0 4px;
}

.modal-close:hover {
    color: var(--white);
}

.modal-body {
    padding: 32px;
    overflow-y: auto;
    display: flex;
    flex-direction: column;
    gap: 24px;
    /* Estilo de barra delgado para Firefox */
    scrollbar-width: thin;
    scrollbar-color: rgba(10, 37, 64, 0.25) transparent;
}

/* Estilo de barra personalizado para Webkit (Chrome, Safari, Edge) */
.modal-body::-webkit-scrollbar {
    width: 6px;
}

.modal-body::-webkit-scrollbar-track {
    background: transparent;
}

.modal-body::-webkit-scrollbar-thumb {
    background-color: rgba(10, 37, 64, 0.2);
    border-radius: 10px;
    transition: background-color 0.3s ease;
}

.modal-body::-webkit-scrollbar-thumb:hover {
    background-color: var(--pale-brown);
}

.modal-section {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.modal-section-label {
    font-family: var(--font-body);
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 1.2px;
    color: var(--pale-brown);
    font-weight: 700;
}

.modal-section-text {
    font-size: 0.98rem;
    color: var(--navy-deep);
    line-height: 1.6;
}

.modal-features-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    background-color: var(--light-gray);
    padding: 20px;
    border-radius: 12px;
    border: 1px solid var(--border-gray);
}

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

.modal-feature-item {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.feature-label {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--text-muted);
}

.feature-value {
    font-family: var(--font-heading);
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--navy-deep);
}

.modal-requirements-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
    padding: 0;
}

.modal-requirements-list li {
    font-size: 0.94rem;
    color: var(--navy-deep);
    position: relative;
    padding-left: 18px;
    line-height: 1.5;
}

.modal-requirements-list li::before {
    content: "•";
    position: absolute;
    left: 0;
    top: -1px;
    color: var(--pale-brown);
    font-weight: bold;
    font-size: 1.2rem;
}

.modal-disclaimer-box {
    background-color: #fff9f0;
    border: 1px solid #f0dfc8;
    border-left: 4px solid var(--pale-brown);
    padding: 18px 22px;
    border-radius: 10px;
}

.disclaimer-badge {
    font-size: 0.7rem;
    font-weight: 800;
    letter-spacing: 1px;
    color: var(--pale-brown);
    margin-bottom: 4px;
}

.disclaimer-text {
    font-size: 0.88rem;
    font-weight: 600;
    color: #4a3e31;
    margin: 0;
    line-height: 1.5;
}

.modal-footer {
    padding: 20px 32px;
    background-color: var(--light-gray);
    border-top: 1px solid var(--border-gray);
    display: flex;
    justify-content: center;
    align-items: center;
}

.modal-reca-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 28px;
    border-radius: 50px;
    font-family: var(--font-body);
    font-weight: 700;
    font-size: 0.95rem;
    text-decoration: none;
    background-color: var(--white);
    color: var(--navy-deep);
    border: 2px solid var(--navy-deep);
    transition: var(--transition-smooth);
    box-shadow: 0 4px 12px rgba(10, 37, 64, 0.05);
}

.modal-reca-btn:hover {
    background-color: var(--navy-deep);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(10, 37, 64, 0.2);
}

@media (max-width: 576px) {
    .modal-footer {
        padding: 16px 24px;
    }
    .modal-reca-btn {
        width: 100%;
        text-align: center;
    }
}

/* ==========================================================================
   15. CLAIMS & INQUIRIES CARD (DUDAS O RECLAMACIONES - CONTACTO)
   ========================================================================== */
.claims-card {
    background-color: var(--white);
    border-radius: 16px;
    padding: 40px;
    margin-bottom: 50px;
    border: 1px solid rgba(10, 37, 64, 0.06);
    box-shadow: 0 10px 30px rgba(10, 37, 64, 0.02);
}

.claims-title {
    font-family: var(--font-heading);
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--navy-deep);
    margin-bottom: 12px;
}

.claims-intro {
    font-size: 1.02rem;
    color: var(--text-dark);
    line-height: 1.6;
    margin-bottom: 32px;
}

.claims-steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

@media (max-width: 900px) {
    .claims-steps-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
}

.claims-step-item {
    background-color: transparent;
    padding: 24px 20px;
    border-radius: 12px;
    border: 1px solid transparent;
    display: flex;
    flex-direction: column;
    gap: 16px;
    transition: var(--transition-smooth);
}

.claims-step-item:hover {
    background-color: rgba(244, 246, 249, 0.6);
    border-color: rgba(114, 102, 88, 0.3);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(10, 37, 64, 0.04);
}

.claims-step-badge {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background-color: var(--navy-deep);
    color: var(--white);
    font-family: var(--font-heading);
    font-weight: 800;
    font-size: 1.1rem;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.claims-step-title {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--pale-brown);
    margin-bottom: 8px;
}

.claims-step-desc {
    font-size: 0.9rem;
    color: var(--text-dark);
    line-height: 1.6;
}