/* =============================================
   CréditoFácil - Global Stylesheet
   Palette: #0B2545 (navy) | #E8A020 (gold) | #FFFFFF
   Font: DM Sans + Playfair Display
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,700;1,9..40,400&family=Playfair+Display:wght@600;700;800&display=swap');

/* ---- CSS Variables ---- */
:root {
  --navy:    #0B2545;
  --navy-dark: #071830;
  --navy-mid: #163A6A;
  --gold:    #E8A020;
  --gold-light: #F5C050;
  --gold-pale: #FFF4DC;
  --white:   #FFFFFF;
  --gray-50: #F8F9FB;
  --gray-100:#EEF1F6;
  --gray-300:#C5CDD8;
  --gray-500:#7A8899;
  --gray-700:#3D4F60;
  --success: #2ECC71;
  --danger:  #E74C3C;

  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 28px;
  --radius-xl: 48px;

  --shadow-sm: 0 2px 12px rgba(11,37,69,.08);
  --shadow-md: 0 8px 32px rgba(11,37,69,.14);
  --shadow-lg: 0 20px 60px rgba(11,37,69,.18);
  --shadow-gold: 0 8px 30px rgba(232,160,32,.3);

  --transition: .3s cubic-bezier(.4,0,.2,1);
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  color: var(--navy);
  background: var(--white);
  font-size: 1rem;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1,h2,h3,h4,h5 {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  line-height: 1.2;
}

a { color: var(--gold); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold-light); }

img { max-width: 100%; height: auto; }

/* ---- Utility ---- */
.text-gold { color: var(--gold) !important; }
.text-navy { color: var(--navy) !important; }
.bg-navy   { background-color: var(--navy) !important; }
.bg-gold   { background-color: var(--gold) !important; }
.bg-pale   { background-color: var(--gray-50) !important; }

.section-title {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  color: var(--navy);
  margin-bottom: .5rem;
}
.section-subtitle {
  font-size: 1.05rem;
  color: var(--gray-500);
  max-width: 600px;
  margin: 0 auto 3rem;
}

/* ---- Buttons ---- */
.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy-dark);
  font-weight: 700;
  padding: .75rem 2rem;
  border-radius: var(--radius-xl);
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: var(--shadow-gold);
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  display: inline-block;
}
.btn-gold:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 40px rgba(232,160,32,.45);
  color: var(--navy-dark);
}

.btn-outline-gold {
  background: transparent;
  color: var(--gold);
  font-weight: 700;
  padding: .72rem 1.9rem;
  border-radius: var(--radius-xl);
  border: 2px solid var(--gold);
  cursor: pointer;
  transition: all var(--transition);
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  display: inline-block;
}
.btn-outline-gold:hover {
  background: var(--gold);
  color: var(--navy-dark);
  transform: translateY(-2px);
}

.btn-white {
  background: var(--white);
  color: var(--navy);
  font-weight: 700;
  padding: .75rem 2rem;
  border-radius: var(--radius-xl);
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  display: inline-block;
}
.btn-white:hover {
  background: var(--gold-pale);
  color: var(--navy);
  transform: translateY(-3px);
}

/* ---- NAVBAR ---- */
#mainNav {
  background: rgba(11,37,69,.97);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  padding: 1rem 0;
  transition: all var(--transition);
  box-shadow: 0 2px 20px rgba(0,0,0,.15);
}
#mainNav .navbar-brand {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--white) !important;
  letter-spacing: -0.5px;
}
#mainNav .navbar-brand span { color: var(--gold); }

#mainNav .nav-link {
  color: rgba(255,255,255,.85) !important;
  font-weight: 500;
  font-size: .95rem;
  padding: .4rem .9rem !important;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
#mainNav .nav-link:hover,
#mainNav .nav-link.active {
  color: var(--gold) !important;
  background: rgba(232,160,32,.1);
}
#mainNav .navbar-toggler { border-color: rgba(255,255,255,.3); }
#mainNav .navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba%28255,255,255,.8%29' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

/* ---- HERO ---- */
.hero-section {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 55%, #1E4D8C 100%);
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 120px 0 80px;
}
.hero-section::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(232,160,32,.12) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero-section::after {
  content: '';
  position: absolute;
  bottom: -20%;
  left: -5%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(232,160,32,.07) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero-badge {
  display: inline-block;
  background: rgba(232,160,32,.15);
  border: 1px solid rgba(232,160,32,.4);
  color: var(--gold-light);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: .35rem 1rem;
  border-radius: var(--radius-xl);
  margin-bottom: 1.2rem;
}
.hero-title {
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  color: var(--white);
  margin-bottom: 1.3rem;
  line-height: 1.1;
}
.hero-title span { color: var(--gold); }
.hero-lead {
  color: rgba(255,255,255,.78);
  font-size: 1.1rem;
  margin-bottom: 2rem;
  max-width: 520px;
}
.hero-stats {
  display: flex;
  gap: 2rem;
  margin-top: 2.5rem;
  flex-wrap: wrap;
}
.hero-stat-item { text-align: center; }
.hero-stat-num {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--gold);
}
.hero-stat-label {
  font-size: .8rem;
  color: rgba(255,255,255,.6);
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* ---- SIMULATOR CARD ---- */
.simulator-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.2rem;
  box-shadow: var(--shadow-lg);
  position: relative;
  z-index: 2;
}
.simulator-card h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 1.5rem;
  text-align: center;
}
.sim-label {
  font-size: .85rem;
  font-weight: 700;
  color: var(--gray-700);
  margin-bottom: .4rem;
  display: flex;
  justify-content: space-between;
}
.sim-label span { color: var(--gold); font-size: 1rem; }
.sim-range {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: linear-gradient(to right, var(--gold) var(--val), var(--gray-100) var(--val));
  outline: none;
  margin-bottom: 1.3rem;
  cursor: pointer;
}
.sim-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold);
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(232,160,32,.5);
  cursor: pointer;
}
.sim-result-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: var(--radius-md);
  padding: 1.3rem;
  margin-top: .5rem;
  margin-bottom: 1.2rem;
}
.sim-result-row { display: flex; justify-content: space-between; align-items: center; padding: .3rem 0; }
.sim-result-row:not(:last-child) { border-bottom: 1px solid rgba(255,255,255,.1); }
.sim-result-label { font-size: .82rem; color: rgba(255,255,255,.65); }
.sim-result-val { font-size: 1rem; font-weight: 700; color: var(--white); }
.sim-result-val.highlight { color: var(--gold-light); font-size: 1.5rem; }
.sim-legal {
  font-size: .72rem;
  color: var(--gray-500);
  text-align: center;
  margin-top: .6rem;
  line-height: 1.4;
}

/* ---- SERVICES CARDS ---- */
.service-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 2rem 1.8rem;
  border: 1.5px solid var(--gray-100);
  transition: all var(--transition);
  height: 100%;
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 100%);
  transform: scaleX(0);
  transition: transform var(--transition);
}
.service-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-6px);
  border-color: rgba(232,160,32,.3);
}
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 60px;
  height: 60px;
  background: var(--gold-pale);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.2rem;
  font-size: 1.7rem;
  color: var(--gold);
}
.service-card h5 {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: .5rem;
}
.service-card p { font-size: .9rem; color: var(--gray-500); margin-bottom: 1rem; }
.service-rate {
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--gold);
  font-family: 'DM Sans', sans-serif;
}
.service-rate small { font-size: .8rem; color: var(--gray-500); font-weight: 400; }

/* ---- WHY US ---- */
.why-section { background: var(--gray-50); }
.why-icon {
  width: 52px;
  height: 52px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  color: var(--navy-dark);
  margin-bottom: 1rem;
  box-shadow: var(--shadow-gold);
}
.why-item h5 {
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: .4rem;
}
.why-item p { font-size: .88rem; color: var(--gray-500); }

/* ---- TESTIMONIALS ---- */
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 1.8rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100);
  height: 100%;
}
.testimonial-stars { color: var(--gold); margin-bottom: .8rem; font-size: 1.1rem; }
.testimonial-text {
  font-size: .92rem;
  color: var(--gray-700);
  font-style: italic;
  margin-bottom: 1.2rem;
}
.testimonial-author { font-weight: 700; color: var(--navy); font-size: .9rem; }
.testimonial-role { font-size: .8rem; color: var(--gray-500); }

/* ---- FAQ ACCORDION ---- */
.faq-accordion .accordion-item {
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-md) !important;
  margin-bottom: .8rem;
  overflow: hidden;
}
.faq-accordion .accordion-button {
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  font-size: .95rem;
  color: var(--navy);
  background: var(--white);
  box-shadow: none;
  padding: 1.1rem 1.4rem;
}
.faq-accordion .accordion-button:not(.collapsed) {
  color: var(--gold);
  background: var(--gold-pale);
}
.faq-accordion .accordion-button::after {
  filter: none;
}
.faq-accordion .accordion-body {
  font-size: .9rem;
  color: var(--gray-700);
  padding: 1rem 1.4rem 1.4rem;
}

/* ---- CTA BANNER ---- */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  padding: 4rem 0;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -80%;
  right: -5%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(232,160,32,.12) 0%, transparent 70%);
  border-radius: 50%;
}
.cta-banner h2 { color: var(--white); }
.cta-banner p { color: rgba(255,255,255,.7); }

/* ---- FOOTER ---- */
footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.7);
  padding: 4rem 0 2rem;
}
footer .footer-brand {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--white);
}
footer .footer-brand span { color: var(--gold); }
footer h6 {
  color: var(--white);
  font-weight: 700;
  font-size: .85rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 1.2rem;
}
footer ul { list-style: none; padding: 0; }
footer ul li { margin-bottom: .5rem; }
footer ul li a {
  color: rgba(255,255,255,.6);
  font-size: .88rem;
  transition: color var(--transition);
}
footer ul li a:hover { color: var(--gold); }
footer .footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: .7rem;
  margin-bottom: .8rem;
  font-size: .88rem;
}
footer .footer-contact-item i { color: var(--gold); margin-top: .2rem; flex-shrink: 0; }
.social-links { display: flex; gap: .7rem; margin-top: 1rem; }
.social-links a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255,255,255,.07);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.7);
  font-size: 1rem;
  transition: all var(--transition);
}
.social-links a:hover { background: var(--gold); color: var(--navy-dark); }
.footer-divider { border-color: rgba(255,255,255,.1); margin: 2rem 0 1.5rem; }
.footer-legal {
  font-size: .75rem;
  color: rgba(255,255,255,.45);
  line-height: 1.6;
}
.footer-bottom {
  font-size: .8rem;
  color: rgba(255,255,255,.4);
  text-align: center;
  padding-top: 1rem;
}

/* ---- PAGE HERO (inner pages) ---- */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  padding: 140px 0 70px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%,-50%);
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(232,160,32,.08) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.page-hero h1 { color: var(--white); font-size: clamp(2rem, 4vw, 3rem); }
.page-hero p { color: rgba(255,255,255,.7); font-size: 1.05rem; max-width: 580px; margin: .8rem auto 0; }
.breadcrumb { justify-content: center; background: none; padding: 0; margin-top: 1rem; }
.breadcrumb-item a { color: var(--gold-light); }
.breadcrumb-item.active { color: rgba(255,255,255,.6); }
.breadcrumb-item+.breadcrumb-item::before { color: rgba(255,255,255,.4); }

/* ---- RATES TABLE ---- */
.rates-table { border-radius: var(--radius-md); overflow: hidden; box-shadow: var(--shadow-md); }
.rates-table table { margin: 0; font-size: .93rem; }
.rates-table thead th {
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 1rem 1.2rem;
  border: none;
}
.rates-table tbody td {
  padding: .9rem 1.2rem;
  border-color: var(--gray-100);
  vertical-align: middle;
}
.rates-table tbody tr:hover { background: var(--gold-pale); }
.rate-badge {
  display: inline-block;
  background: var(--gold-pale);
  color: var(--gold);
  font-weight: 700;
  padding: .2rem .7rem;
  border-radius: 20px;
  font-size: .85rem;
}

/* ---- FORM STYLES ---- */
.form-section { background: var(--gray-50); }
.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}
.form-label {
  font-size: .85rem;
  font-weight: 700;
  color: var(--gray-700);
  margin-bottom: .4rem;
}
.form-control, .form-select {
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-sm);
  padding: .7rem 1rem;
  font-family: 'DM Sans', sans-serif;
  font-size: .93rem;
  color: var(--navy);
  transition: all var(--transition);
}
.form-control:focus, .form-select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(232,160,32,.15);
  outline: none;
}
.form-control.is-invalid { border-color: var(--danger); }
.invalid-feedback { font-size: .78rem; }
.required-star { color: var(--danger); }

.conditions-box {
  background: var(--navy-dark);
  border-radius: var(--radius-md);
  padding: 1.8rem;
  color: rgba(255,255,255,.8);
}
.conditions-box h5 { color: var(--gold); font-size: 1rem; margin-bottom: 1rem; }
.conditions-box ul { padding-left: 1.2rem; }
.conditions-box ul li { font-size: .84rem; margin-bottom: .5rem; }
.legal-disclaimer {
  background: var(--gold-pale);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 1rem 1.2rem;
  font-size: .82rem;
  color: var(--gray-700);
  margin-top: 1.5rem;
}

/* ---- CONTACT ---- */
.contact-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 1.8rem;
  box-shadow: var(--shadow-sm);
  height: 100%;
  text-align: center;
  transition: all var(--transition);
}
.contact-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.contact-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  color: var(--navy-dark);
  margin: 0 auto 1.2rem;
  box-shadow: var(--shadow-gold);
}
.contact-card h5 { font-size: 1.05rem; color: var(--navy); margin-bottom: .3rem; }
.contact-card p { font-size: .88rem; color: var(--gray-500); }
.map-placeholder {
  background: var(--gray-100);
  border-radius: var(--radius-md);
  height: 300px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-500);
  font-size: 1.5rem;
  overflow: hidden;
}
.map-placeholder iframe { width: 100%; height: 100%; border: 0; border-radius: var(--radius-md); }

/* ---- NOSOTROS ---- */
.team-card {
  text-align: center;
  padding: 1.5rem;
  border-radius: var(--radius-md);
  transition: all var(--transition);
}
.team-card:hover { background: var(--white); box-shadow: var(--shadow-sm); }
.team-avatar {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  color: var(--gold);
  margin: 0 auto 1rem;
  border: 3px solid var(--gold);
}
.value-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 1.8rem;
  box-shadow: var(--shadow-sm);
  border-bottom: 3px solid var(--gold);
  height: 100%;
}
.value-icon { font-size: 2rem; color: var(--gold); margin-bottom: .8rem; }
.timeline-item { position: relative; padding-left: 3rem; margin-bottom: 2rem; }
.timeline-dot {
  position: absolute;
  left: 0;
  top: .3rem;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: var(--shadow-gold);
}
.timeline-item::before {
  content: '';
  position: absolute;
  left: 9px;
  top: 24px;
  bottom: -2rem;
  width: 2px;
  background: var(--gray-100);
}
.timeline-item:last-child::before { display: none; }

/* ---- PROCESS STEPS ---- */
.step-card {
  text-align: center;
  padding: 1.5rem;
  position: relative;
}
.step-number {
  width: 50px;
  height: 50px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.2rem;
  color: var(--navy-dark);
  margin: 0 auto .9rem;
  box-shadow: var(--shadow-gold);
}
.step-card h6 { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: .4rem; }
.step-card p { font-size: .83rem; color: var(--gray-500); }

/* ---- ALERT / SUCCESS ---- */
.alert-custom {
  border-radius: var(--radius-md);
  padding: 1.2rem 1.5rem;
  font-size: .9rem;
  border: none;
}
.alert-success-custom {
  background: rgba(46,204,113,.1);
  color: #1a7a45;
  border-left: 4px solid var(--success);
}
.alert-danger-custom {
  background: rgba(231,76,60,.1);
  color: #922b21;
  border-left: 4px solid var(--danger);
}

/* ---- ANIMATIONS ---- */
.fade-up {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity .7s ease, transform .7s ease;
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-up-delay-1 { transition-delay: .1s; }
.fade-up-delay-2 { transition-delay: .2s; }
.fade-up-delay-3 { transition-delay: .3s; }
.fade-up-delay-4 { transition-delay: .4s; }

/* ---- RESPONSIVE ---- */
@media (max-width: 991px) {
  .hero-section { padding: 110px 0 60px; }
  .simulator-card { margin-top: 2rem; }
}
@media (max-width: 767px) {
  .hero-stats { gap: 1.2rem; }
  .form-card { padding: 1.5rem; }
}