/* =============================================
   GUIA SIMPLES DE CRÉDITO — Global Stylesheet
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Lora:ital,wght@0,400;0,600;0,700;1,400&family=Source+Sans+3:wght@300;400;500;600&display=swap');

:root {
  --blue-deep: #1a4a7a;
  --blue-mid:  #2563a8;
  --blue-light:#e8f0fb;
  --green:     #2d9e6b;
  --green-light:#e6f7f0;
  --gray-dark: #2c3341;
  --gray-mid:  #6b7280;
  --gray-light:#f4f6f9;
  --white:     #ffffff;
  --border:    #dde3ed;
  --shadow:    0 2px 16px rgba(26,74,122,.09);
  --shadow-sm: 0 1px 6px rgba(26,74,122,.07);
  --radius:    10px;
  --max-w:     780px;
  --font-body: 'Source Sans 3', sans-serif;
  --font-head: 'Lora', Georgia, serif;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);font-size:17px;line-height:1.75;color:var(--gray-dark);background:#fff}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue-mid);text-decoration:none}
a:hover{text-decoration:underline}
ul,ol{padding-left:1.4em}

/* ---- NOTICE BAR ---- */
.notice-bar{background:var(--blue-deep);color:#fff;text-align:center;font-size:.82rem;padding:.5rem 1rem;letter-spacing:.01em}
.notice-bar a{color:#a8d4ff}

/* ---- HEADER ---- */
header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;box-shadow:var(--shadow-sm)}
.header-inner{max-width:1100px;margin:0 auto;padding:.9rem 1.5rem;display:flex;align-items:center;justify-content:space-between;gap:1rem}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none}
.logo-icon{width:36px;height:36px;background:var(--blue-deep);border-radius:8px;display:flex;align-items:center;justify-content:center}
.logo-icon svg{width:20px;height:20px;fill:#fff}
.logo-text{font-family:var(--font-head);font-size:1.1rem;font-weight:700;color:var(--blue-deep);line-height:1.1}
.logo-text span{display:block;font-size:.65rem;font-weight:400;font-family:var(--font-body);color:var(--gray-mid);letter-spacing:.05em;text-transform:uppercase}

nav{display:flex;align-items:center;gap:.2rem;flex-wrap:wrap}
nav a{font-size:.87rem;font-weight:500;color:var(--gray-dark);padding:.4rem .7rem;border-radius:6px;transition:background .15s,color .15s}
nav a:hover,nav a.active{background:var(--blue-light);color:var(--blue-mid);text-decoration:none}

.hamburger{display:none;background:none;border:none;cursor:pointer;padding:.4rem;flex-direction:column;gap:5px}
.hamburger span{width:22px;height:2px;background:var(--gray-dark);border-radius:2px;transition:.2s}
.mobile-menu{display:none;flex-direction:column;gap:.3rem;padding:1rem 1.5rem;border-top:1px solid var(--border)}
.mobile-menu a{font-size:.93rem;font-weight:500;color:var(--gray-dark);padding:.5rem .6rem;border-radius:6px;transition:background .15s}
.mobile-menu a:hover{background:var(--blue-light);text-decoration:none}
.mobile-menu.open{display:flex}

@media(max-width:768px){
  nav{display:none}
  .hamburger{display:flex}
}

/* ---- HERO ---- */
.hero{background:linear-gradient(135deg,var(--blue-deep) 0%,#1d6aa5 100%);color:#fff;padding:4rem 1.5rem 3.5rem;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E")}
.hero-inner{max-width:680px;margin:0 auto;position:relative}
.hero-tag{display:inline-block;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);border-radius:20px;font-size:.78rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:.3rem .9rem;margin-bottom:1.2rem;color:#c9e8ff}
.hero h1{font-family:var(--font-head);font-size:clamp(1.7rem,4vw,2.6rem);font-weight:700;line-height:1.25;margin-bottom:1rem;color:#fff}
.hero p{font-size:1.05rem;opacity:.88;max-width:520px;margin:0 auto 2rem;color:#ddeeff}
.hero-actions{display:flex;gap:.8rem;justify-content:center;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:.4rem;padding:.7rem 1.4rem;border-radius:8px;font-weight:600;font-size:.9rem;cursor:pointer;transition:all .2s;text-decoration:none}
.btn-white{background:#fff;color:var(--blue-deep)}
.btn-white:hover{background:#e8f0fb;text-decoration:none}
.btn-outline{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5)}
.btn-outline:hover{background:rgba(255,255,255,.12);text-decoration:none}

/* ---- BREADCRUMB ---- */
.breadcrumb{max-width:1100px;margin:0 auto;padding:.9rem 1.5rem;font-size:.82rem;color:var(--gray-mid);display:flex;gap:.4rem;align-items:center;flex-wrap:wrap}
.breadcrumb a{color:var(--gray-mid)}
.breadcrumb a:hover{color:var(--blue-mid)}
.breadcrumb-sep{opacity:.4}

/* ---- ARTICLE HERO ---- */
.article-hero{background:var(--blue-light);padding:2.5rem 1.5rem 2rem;border-bottom:1px solid var(--border)}
.article-hero-inner{max-width:780px;margin:0 auto}
.article-tag{display:inline-block;background:var(--blue-mid);color:#fff;font-size:.72rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;padding:.25rem .75rem;border-radius:4px;margin-bottom:.9rem}
.article-hero h1{font-family:var(--font-head);font-size:clamp(1.5rem,3.5vw,2.2rem);font-weight:700;line-height:1.3;color:var(--blue-deep);margin-bottom:.7rem}
.article-hero p{font-size:1.05rem;color:var(--gray-mid);max-width:620px}
.article-meta{display:flex;gap:1.2rem;margin-top:1.2rem;font-size:.82rem;color:var(--gray-mid);align-items:center;flex-wrap:wrap}
.article-meta span{display:flex;align-items:center;gap:.35rem}

/* ---- LAYOUT ---- */
.page-wrap{max-width:1100px;margin:0 auto;padding:2.5rem 1.5rem;display:grid;grid-template-columns:1fr 300px;gap:2.5rem;align-items:start}
.content-full{max-width:1100px;margin:0 auto;padding:2.5rem 1.5rem}
.article-body{max-width:var(--max-w)}

@media(max-width:900px){
  .page-wrap{grid-template-columns:1fr}
  .sidebar{display:none}
}

/* ---- TYPOGRAPHY ---- */
.article-body h2{font-family:var(--font-head);font-size:1.4rem;font-weight:700;color:var(--blue-deep);margin:2.2rem 0 .9rem;padding-bottom:.5rem;border-bottom:2px solid var(--border)}
.article-body h3{font-family:var(--font-head);font-size:1.15rem;font-weight:600;color:var(--gray-dark);margin:1.8rem 0 .7rem}
.article-body p{margin-bottom:1.1rem;color:#374151}
.article-body ul,.article-body ol{margin-bottom:1.1rem;color:#374151}
.article-body li{margin-bottom:.35rem}
.article-body strong{font-weight:600;color:var(--gray-dark)}

/* ---- HIGHLIGHT BOXES ---- */
.box{border-radius:var(--radius);padding:1.2rem 1.4rem;margin:1.6rem 0}
.box-tip{background:var(--green-light);border-left:4px solid var(--green)}
.box-tip .box-label{font-weight:700;color:var(--green);font-size:.82rem;letter-spacing:.05em;text-transform:uppercase;margin-bottom:.4rem}
.box-info{background:var(--blue-light);border-left:4px solid var(--blue-mid)}
.box-info .box-label{font-weight:700;color:var(--blue-mid);font-size:.82rem;letter-spacing:.05em;text-transform:uppercase;margin-bottom:.4rem}
.box-warn{background:#fff8e1;border-left:4px solid #f59e0b}
.box-warn .box-label{font-weight:700;color:#b45309;font-size:.82rem;letter-spacing:.05em;text-transform:uppercase;margin-bottom:.4rem}
.box p{margin-bottom:0;font-size:.95rem}

/* ---- CARD GRID (HOME) ---- */
.section{padding:3rem 1.5rem}
.section-inner{max-width:1100px;margin:0 auto}
.section-head{margin-bottom:2rem}
.section-head h2{font-family:var(--font-head);font-size:1.6rem;font-weight:700;color:var(--blue-deep);margin-bottom:.4rem}
.section-head p{color:var(--gray-mid);font-size:.96rem}
.section-tag{font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--green);display:block;margin-bottom:.4rem}

.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1.5rem}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;transition:box-shadow .2s,transform .2s;display:flex;flex-direction:column}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card-img{height:170px;background:var(--blue-light);overflow:hidden;display:flex;align-items:center;justify-content:center}
.card-img svg{width:60px;height:60px;opacity:.35}
.card-body{padding:1.2rem;flex:1;display:flex;flex-direction:column}
.card-tag{font-size:.72rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--green);margin-bottom:.5rem}
.card h3{font-family:var(--font-head);font-size:1.05rem;font-weight:700;color:var(--blue-deep);margin-bottom:.5rem;line-height:1.35}
.card p{font-size:.88rem;color:var(--gray-mid);flex:1}
.card-link{display:inline-flex;align-items:center;gap:.35rem;margin-top:1rem;font-size:.85rem;font-weight:600;color:var(--blue-mid)}
.card-link:hover{text-decoration:none;gap:.55rem}
.card-link svg{width:14px;height:14px;transition:transform .15s}
.card:hover .card-link svg{transform:translateX(3px)}

/* ---- SIDEBAR ---- */
.sidebar{display:flex;flex-direction:column;gap:1.5rem;position:sticky;top:80px}
.sidebar-widget{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.2rem;box-shadow:var(--shadow-sm)}
.sidebar-widget h4{font-family:var(--font-head);font-size:.95rem;font-weight:700;color:var(--blue-deep);margin-bottom:1rem;padding-bottom:.6rem;border-bottom:1px solid var(--border)}
.sidebar-links{list-style:none;padding:0}
.sidebar-links li{padding:.4rem 0;border-bottom:1px solid var(--gray-light);font-size:.88rem}
.sidebar-links li:last-child{border:none}
.sidebar-links a{color:var(--gray-dark);display:flex;align-items:center;gap:.4rem}
.sidebar-links a::before{content:'→';color:var(--blue-mid);font-size:.85em}
.sidebar-links a:hover{color:var(--blue-mid);text-decoration:none}
.sidebar-notice{background:var(--green-light);border-radius:var(--radius);padding:1rem;font-size:.83rem;color:#1a4a3a;line-height:1.55}
.sidebar-notice strong{display:block;margin-bottom:.3rem;color:var(--green)}

/* ---- FAQ ---- */
.faq-list{display:flex;flex-direction:column;gap:.6rem}
.faq-item{border:1px solid var(--border);border-radius:var(--radius);overflow:hidden}
.faq-q{width:100%;background:#fff;border:none;text-align:left;padding:1rem 1.2rem;font-family:var(--font-body);font-size:.96rem;font-weight:600;color:var(--blue-deep);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;transition:background .15s}
.faq-q:hover{background:var(--blue-light)}
.faq-q svg{width:18px;height:18px;flex-shrink:0;transition:transform .25s;color:var(--blue-mid)}
.faq-item.open .faq-q{background:var(--blue-light)}
.faq-item.open .faq-q svg{transform:rotate(180deg)}
.faq-a{display:none;padding:1rem 1.2rem;font-size:.93rem;color:#374151;line-height:1.7;border-top:1px solid var(--border);background:#fafbfd}
.faq-item.open .faq-a{display:block}

/* ---- CONTACT FORM ---- */
.form-group{margin-bottom:1.2rem}
.form-group label{display:block;font-size:.88rem;font-weight:600;color:var(--gray-dark);margin-bottom:.4rem}
.form-group input,.form-group textarea,.form-group select{width:100%;padding:.65rem .9rem;border:1.5px solid var(--border);border-radius:8px;font-family:var(--font-body);font-size:.95rem;color:var(--gray-dark);background:#fff;transition:border-color .15s}
.form-group input:focus,.form-group textarea:focus,.form-group select:focus{outline:none;border-color:var(--blue-mid);box-shadow:0 0 0 3px rgba(37,99,168,.1)}
.form-group textarea{resize:vertical;min-height:130px}
.form-notice{background:var(--blue-light);border-radius:8px;padding:.9rem 1rem;font-size:.83rem;color:var(--blue-deep);margin-bottom:1.2rem}
.btn-submit{background:var(--blue-deep);color:#fff;border:none;padding:.75rem 1.8rem;border-radius:8px;font-family:var(--font-body);font-size:.96rem;font-weight:600;cursor:pointer;transition:background .2s}
.btn-submit:hover{background:var(--blue-mid)}
.form-success{display:none;background:var(--green-light);border:1px solid var(--green);border-radius:8px;padding:1.2rem;color:#1a4a3a;font-size:.95rem}

/* ---- FEATURES STRIP ---- */
.features{background:var(--gray-light);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.features-inner{max-width:1100px;margin:0 auto;padding:2rem 1.5rem;display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1.5rem}
.feature{display:flex;gap:.8rem;align-items:flex-start}
.feature-icon{width:38px;height:38px;background:var(--blue-light);border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.feature-icon svg{width:20px;height:20px;color:var(--blue-mid)}
.feature h4{font-size:.88rem;font-weight:700;color:var(--blue-deep);margin-bottom:.2rem}
.feature p{font-size:.8rem;color:var(--gray-mid)}

/* ---- TABLE ---- */
.styled-table{width:100%;border-collapse:collapse;font-size:.9rem;margin:1.4rem 0}
.styled-table th{background:var(--blue-deep);color:#fff;padding:.7rem 1rem;text-align:left;font-weight:600;font-size:.83rem;letter-spacing:.03em}
.styled-table td{padding:.65rem 1rem;border-bottom:1px solid var(--border)}
.styled-table tr:last-child td{border-bottom:none}
.styled-table tr:nth-child(even) td{background:var(--gray-light)}

/* ---- FOOTER ---- */
footer{background:var(--gray-dark);color:#cfd4de;padding:3rem 1.5rem 1.5rem}
.footer-inner{max-width:1100px;margin:0 auto}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:2.5rem;margin-bottom:2rem}
.footer-brand .logo{margin-bottom:.9rem}
.footer-brand .logo-text{color:#fff}
.footer-brand .logo-text span{color:#8898aa}
.footer-desc{font-size:.83rem;line-height:1.7;color:#8898aa}
.footer-col h5{font-size:.82rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#fff;margin-bottom:.9rem}
.footer-col ul{list-style:none;padding:0;display:flex;flex-direction:column;gap:.5rem}
.footer-col ul li a{color:#8898aa;font-size:.85rem;transition:color .15s}
.footer-col ul li a:hover{color:#fff;text-decoration:none}
.footer-contact{font-size:.83rem;color:#8898aa;line-height:1.9}
.footer-bottom{border-top:1px solid #3d4654;padding-top:1.2rem;display:flex;justify-content:space-between;align-items:center;gap:1rem;flex-wrap:wrap;font-size:.78rem;color:#68778a}
.footer-legal{display:flex;gap:1.2rem;flex-wrap:wrap}
.footer-legal a{color:#68778a;transition:color .15s}
.footer-legal a:hover{color:#fff;text-decoration:none}

@media(max-width:860px){
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/-1}
}
@media(max-width:500px){
  .footer-grid{grid-template-columns:1fr}
}

/* ---- LEGAL PAGES ---- */
.legal-body{max-width:720px;margin:0 auto;padding:2.5rem 1.5rem 4rem}
.legal-body h1{font-family:var(--font-head);font-size:1.8rem;color:var(--blue-deep);margin-bottom:.5rem}
.legal-body .meta{font-size:.83rem;color:var(--gray-mid);margin-bottom:2rem;padding-bottom:1rem;border-bottom:1px solid var(--border)}
.legal-body h2{font-family:var(--font-head);font-size:1.15rem;color:var(--blue-deep);margin:2rem 0 .7rem}
.legal-body p,.legal-body li{font-size:.95rem;color:#374151;line-height:1.75;margin-bottom:.8rem}
.legal-body ul{padding-left:1.4em}

/* ---- ABOUT ---- */
.about-intro{background:var(--blue-light);padding:3rem 1.5rem;border-bottom:1px solid var(--border)}
.about-intro-inner{max-width:680px;margin:0 auto;text-align:center}
.about-intro h1{font-family:var(--font-head);font-size:2rem;color:var(--blue-deep);margin-bottom:.8rem}
.about-intro p{font-size:1.05rem;color:var(--gray-mid)}
.values-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:1.2rem;margin:2rem 0}
.value-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.3rem;text-align:center}
.value-card .v-icon{width:44px;height:44px;background:var(--blue-light);border-radius:10px;display:flex;align-items:center;justify-content:center;margin:0 auto .8rem}
.value-card .v-icon svg{width:22px;height:22px;color:var(--blue-mid)}
.value-card h4{font-family:var(--font-head);font-size:.95rem;font-weight:700;color:var(--blue-deep);margin-bottom:.4rem}
.value-card p{font-size:.82rem;color:var(--gray-mid)}

/* ---- UTILS ---- */
.divider{border:none;border-top:1px solid var(--border);margin:2rem 0}
.text-center{text-align:center}
.lead{font-size:1.08rem;color:var(--gray-mid);margin-bottom:1.5rem}
.tag-list{display:flex;gap:.5rem;flex-wrap:wrap;margin:.8rem 0}
.tag{background:var(--blue-light);color:var(--blue-mid);font-size:.75rem;font-weight:600;padding:.2rem .65rem;border-radius:20px}
.cta-strip{background:var(--blue-deep);color:#fff;border-radius:var(--radius);padding:2rem;text-align:center;margin:2.5rem 0}
.cta-strip h3{font-family:var(--font-head);font-size:1.2rem;margin-bottom:.5rem;color:#fff}
.cta-strip p{font-size:.9rem;opacity:.8;margin-bottom:1.2rem;color:#ddeeff}