:root{
    --clay: #9a1214;
    --clay-deep: #7a0e10;
    --sage: #0A234A;
    --sage-deep: #081a38;
    --gold: #ffffff;
    --plaster: rgba(10,35,74,0.035);
    --plaster-light: #ffffff;
    --ink: #263842;
    --ink-soft: rgba(38,56,66,0.7);
    --card: #ffffff;
    --line: rgba(38,56,66,0.14);
    --radius: 4px;
    --serif: 'Fraunces', serif;
    --sans: 'Public Sans', sans-serif;
  }
  *{box-sizing:border-box; margin:0; padding:0;}
  html{scroll-behavior:smooth;}
  body{background:var(--plaster-light); color:var(--ink); font-family:var(--sans); line-height:1.6; -webkit-font-smoothing:antialiased;}
  a{color:inherit; text-decoration:none;}
  img,svg{display:block; max-width:100%;}
  ul{list-style:none;}
  .wrap{max-width:1180px; margin:0 auto; padding:0 32px;}
  @media(max-width:640px){ .wrap{padding:0 20px;} }
  h1,h2,h3,h4{font-family:var(--serif); font-weight:600; color:var(--ink); line-height:1.1; letter-spacing:-0.01em;}
  .eyebrow{font-family:var(--sans); font-size:12.5px; font-weight:700; letter-spacing:0.14em; text-transform:uppercase; color:var(--clay-deep); display:flex; align-items:center; gap:10px;}
  .eyebrow::before{content:''; width:22px; height:1px; background:var(--clay); display:inline-block;}
  :focus-visible{ outline:2px solid var(--sage-deep); outline-offset:3px; }

  .topbar{ background:var(--sage); color:rgba(255,255,255,0.85); font-size:13px; }
  .topbar .wrap{ display:flex; justify-content:space-between; align-items:center; padding:9px 32px; flex-wrap:wrap; gap:6px;}
  .topbar a{ color:inherit; }
  .topbar a:hover{ color:var(--gold); }
  .topbar-right{ display:flex; gap:20px; }

  header{ position:sticky; top:0; z-index:50; background:rgba(255,255,255,0.94); backdrop-filter:blur(8px); border-bottom:1px solid var(--line); }
  .nav{ display:flex; align-items:center; justify-content:space-between; padding:16px 0; position:relative; }
  .logo{ font-family:var(--serif); font-size:21px; font-weight:600; letter-spacing:-0.01em; display:flex; align-items:center; gap:10px; color:var(--ink); }
  .logo img.logo-mark{ width:34px; height:34px; min-width:34px; max-width:34px; object-fit:contain; flex-shrink:0; }
  nav.links{ display:flex; gap:30px; font-size:14.5px; font-weight:500; color:var(--ink-soft);}
  nav.links a:hover{ color:var(--clay-deep); }
  .nav-right{ display:flex; align-items:center; gap:18px; }
  .btn{ font-family:var(--sans); font-weight:600; font-size:14px; cursor:pointer; border:none; padding:12px 22px; border-radius:var(--radius); transition:transform .15s ease, box-shadow .15s ease, background .15s ease; display:inline-flex; align-items:center; gap:8px; }
  .btn-clay{ background:var(--clay); color:#fff; }
  .btn-clay:hover{ background:var(--clay-deep); box-shadow:0 6px 18px rgba(154,18,20,0.28); transform:translateY(-1px);}
  .btn-ghost{ background:transparent; color:var(--ink); border:1px solid var(--line); }
  .btn-ghost:hover{ border-color:var(--ink); }
  .btn-whatsapp{ background:var(--sage); color:#fff; }
  .btn-whatsapp:hover{ background:var(--sage-deep); }
  .btn-sm{ padding:9px 16px; font-size:13px; }

  #menu-toggle{ display:none; }
  .menu-label{ display:none; font-size:24px; cursor:pointer; }
  @media(max-width:900px){
    nav.links{ position:absolute; top:100%; left:0; right:0; background:var(--plaster-light); flex-direction:column; padding:18px 32px; gap:0; border-bottom:1px solid var(--line); display:none; }
    nav.links a{ padding:12px 0; border-bottom:1px solid var(--line); }
    #menu-toggle:checked ~ nav.links{ display:flex; }
    .menu-label{ display:block; }
    .nav-right .btn-ghost{ display:none; }
  }

  .hero{ position:relative; overflow:hidden; }
  .hero-photo{
    background-image:url('imagenes/Fondo%20de%20Inicio.png');
    background-size:cover;
    background-position:center 20%;
    min-height:640px;
    display:flex;
    align-items:center;
  }
  .hero-photo::before{
    content:'';
    position:absolute;
    inset:0;
    background:linear-gradient(to top, rgba(0,0,0,0.78) 0%, rgba(0,0,0,0.5) 40%, rgba(0,0,0,0.12) 100%);
  }
  .hero-wrap-photo{ position:relative; z-index:2; width:100%; padding-top:70px; padding-bottom:70px; }
  .hero-content{ margin-left:auto; max-width:540px; }
  .hero-content h1, .hero-content .stat span{ color:#ffffff; }
  .hero-photo .hero-content p.lead{ color:rgba(255,255,255,0.85); }
  .hero-content .eyebrow{ color:#ffffff; }
  .hero-content .eyebrow::before{ background:#ffffff; }
  .hero-content .stat b{ color:#ffffff; }
  .hero .btn-ghost{ border-color:rgba(255,255,255,0.4); color:#ffffff; }
  .hero .btn-ghost:hover{ border-color:#ffffff; }
  @media(max-width:860px){
    .hero-photo::before{ background:linear-gradient(to top, rgba(0,0,0,0.85) 0%, rgba(0,0,0,0.55) 45%, rgba(0,0,0,0.2) 100%); }
    .hero-content{ margin-left:0; max-width:100%; }
  }
  .hero h1{ font-size:clamp(36px, 5vw, 56px); margin-bottom:18px; }
  .hero h1 em{ font-style:italic; color:var(--clay); }
  .hero p.lead{ font-size:17.5px; color:var(--ink-soft); max-width:480px; margin-bottom:28px; }
  .hero-cta{ display:flex; gap:14px; flex-wrap:wrap; margin-bottom:40px; }
  .stat-row{ display:flex; gap:38px; flex-wrap:wrap; }
  .stat b{ display:block; font-family:var(--serif); font-size:27px; color:var(--clay-deep); }
  .stat span{ font-size:13px; color:var(--ink-soft); }
  .brick-divider{ height:14px; width:100%;
    position:absolute; left:0; bottom:0; z-index:3;
    background-image: repeating-linear-gradient(90deg, var(--clay) 0 38px, transparent 38px 40px), repeating-linear-gradient(90deg, var(--clay) 19px 57px, transparent 57px 59px);
    background-size:80px 7px, 80px 7px; background-position:0 0, 0 7px; background-repeat:repeat-x; opacity:0.85; }

  section{ padding:84px 0; }
  @media(max-width:640px){ section{ padding:56px 0; } }
  .section-head{ max-width:640px; margin-bottom:44px; }
  .section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
  .section-head.center .eyebrow{ justify-content:center; }
  .section-head.center .eyebrow::before{ display:none; }
  .section-head h2{ font-size:clamp(27px,3.2vw,36px); margin-top:14px; }
  .section-head p{ color:var(--ink-soft); margin-top:14px; font-size:16px; }

  .value-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:22px; }
  @media(max-width:940px){ .value-grid{ grid-template-columns:1fr 1fr; } }
  @media(max-width:560px){ .value-grid{ grid-template-columns:1fr; } }
  .value-card{ border-top:2px solid var(--clay); padding-top:16px; }
  .value-card .num{ font-family:var(--serif); font-size:14px; color:var(--clay-deep); margin-bottom:10px; }
  .value-card h3{ font-size:18px; margin-bottom:8px; }
  .value-card p{ font-size:14px; color:var(--ink-soft); }

  .panel{ display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:center; }
  @media(max-width:860px){ .panel{ grid-template-columns:1fr; gap:32px; } }
  .panel-media{ aspect-ratio:5/4; border-radius:6px; position:relative; overflow:hidden; }
  .panel-media.clay{ background:linear-gradient(155deg,#9a1214,#7a0e10); }
  .panel-media.sage{ background:var(--sage); }
  .panel-media .badge-num{ position:absolute; inset:0; display:flex; align-items:center; justify-content:center; font-family:var(--serif); font-size:26px; color:rgba(255,255,255,0.92); text-align:center; padding:30px; line-height:1.3; }

  /* Cuando el recuadro lleva una foto en vez de texto, la foto llena
     todo el recuadro como si fuera una imagen de fondo (object-fit:cover),
     ignorando el padding/centrado de texto de .badge-num. */
  .badge-num.badge-media{ padding:0; }
  .badge-num.badge-media img{ position:absolute; inset:0; width:100%; height:100%; object-fit:cover; }

  .checklist{ margin-top:20px; display:flex; flex-direction:column; gap:12px; }
  .checklist li{ display:flex; gap:10px; font-size:15px; color:var(--ink); align-items:flex-start; }
  .checklist li::before{ content:'✓'; color:var(--sage-deep); font-weight:700; flex-shrink:0; }
  .panel .btn{ margin-top:26px; }

  .invest-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:22px; }
  @media(max-width:940px){ .invest-grid{ grid-template-columns:1fr 1fr; } }
  @media(max-width:560px){ .invest-grid{ grid-template-columns:1fr; } }
  .invest-card{ background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:26px 22px; transition:box-shadow .2s ease, transform .2s ease; }
  .invest-card:hover{ box-shadow:0 14px 32px rgba(38,56,66,0.1); transform:translateY(-3px); }
  .icon-box{ width:44px; height:44px; border-radius:8px; background:var(--clay); color:#fff; display:flex; align-items:center; justify-content:center; font-size:19px; margin-bottom:16px; }
  .invest-card h3{ font-size:17px; margin-bottom:8px; }
  .invest-card p{ font-size:14px; color:var(--ink-soft); }

  .team-wrap{ display:grid; grid-template-columns:0.75fr 1.25fr; gap:56px; align-items:center; }
  @media(max-width:860px){ .team-wrap{ grid-template-columns:1fr; gap:32px; } }
  .team-photo{ aspect-ratio:4/5; border-radius:var(--radius); overflow:hidden; background:var(--sage); }
  .team-photo img{ width:100%; height:100%; object-fit:cover; display:block; }
  .team-tags{ display:flex; gap:12px; flex-wrap:wrap; margin-top:22px; }
  .tag{ font-size:12.5px; font-weight:600; color:var(--clay-deep); background:rgba(154,18,20,0.08); padding:7px 13px; border-radius:20px; }

  .faq{ max-width:760px; margin:0 auto; }
  .faq-item{ border-bottom:1px solid var(--line); padding:22px 0; }
  .faq-item summary{ cursor:pointer; font-family:var(--serif); font-size:18px; font-weight:600; list-style:none; display:flex; justify-content:space-between; align-items:center; gap:20px; }
  .faq-item summary::-webkit-details-marker{ display:none; }
  .faq-item summary::after{ content:'+'; font-size:22px; color:var(--clay); flex-shrink:0; transition:transform .2s ease; }
  .faq-item[open] summary::after{ transform:rotate(45deg); }
  .faq-item p{ margin-top:14px; color:var(--ink-soft); font-size:15px; max-width:640px; }

  .contact-wrap{ background:var(--ink); border-radius:6px; padding:56px; display:grid; grid-template-columns:0.9fr 1.1fr; gap:56px; }
  @media(max-width:860px){ .contact-wrap{ grid-template-columns:1fr; padding:36px 26px; gap:32px; } }
  .contact-wrap h2{ color:var(--plaster-light); }
  .contact-wrap .section-head p{ color:rgba(255,255,255,0.7); }
  .contact-methods{ margin-top:28px; display:flex; flex-direction:column; gap:14px; }
  .contact-method{ display:flex; gap:14px; align-items:center; background:rgba(255,255,255,0.06); border:1px solid rgba(255,255,255,0.16); border-radius:var(--radius); padding:14px 16px; }
  .contact-method .ic{ width:38px; height:38px; border-radius:8px; background:var(--gold); color:var(--ink); display:flex; align-items:center; justify-content:center; font-size:16px; flex-shrink:0; }
  .contact-method div b{ display:block; color:var(--plaster-light); font-size:14.5px; }
  .contact-method div span{ color:rgba(255,255,255,0.6); font-size:13px; }
  .contact-method:hover{ border-color:var(--gold); }
  form{ display:flex; flex-direction:column; gap:14px; }
  .row2{ display:grid; grid-template-columns:1fr 1fr; gap:14px; }
  @media(max-width:520px){ .row2{ grid-template-columns:1fr; } }
  .phone-group{ display:flex; gap:8px; }
  .phone-group select{ flex:0 0 120px; padding:13px 6px; text-overflow:ellipsis; }
  .phone-group input{ flex:1; min-width:0; }
  input, textarea, select{ width:100%; background:rgba(255,255,255,0.06); border:1px solid rgba(255,255,255,0.2); color:var(--plaster-light); padding:13px 14px; border-radius:var(--radius); font-family:var(--sans); font-size:14.5px; }
  input::placeholder, textarea::placeholder{ color:rgba(255,255,255,0.45); }
  select option{ color:var(--ink); }
  textarea{ resize:vertical; min-height:100px; }
  input:focus, textarea:focus, select:focus{ outline:2px solid var(--gold); outline-offset:2px; background:rgba(255,255,255,0.1); }
  .form-note{ font-size:12.5px; color:rgba(255,255,255,0.5); margin-top:2px; }

  footer{ padding:48px 0 30px; border-top:1px solid var(--line); }
  .footer-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:32px; margin-bottom:40px; }
  @media(max-width:760px){ .footer-grid{ grid-template-columns:1fr 1fr; } }
  @media(max-width:480px){ .footer-grid{ grid-template-columns:1fr; } }
  .footer-grid h4{ font-size:13px; text-transform:uppercase; letter-spacing:0.08em; color:var(--ink); margin-bottom:14px; }
  .footer-grid ul{ display:flex; flex-direction:column; gap:10px; font-size:14px; color:var(--ink-soft); }
  .footer-grid ul a:hover{ color:var(--clay-deep); }
  .footer-social{ display:flex; gap:12px; margin-top:16px; }
  .footer-social a{ width:34px; height:34px; border-radius:50%; border:1px solid var(--line); display:flex; align-items:center; justify-content:center; font-size:14px; }
  .footer-social a:hover{ border-color:var(--clay); color:var(--clay-deep); }
  .footer-row{ display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:16px; font-size:13px; color:var(--ink-soft); border-top:1px solid var(--line); padding-top:24px; }

  .float-cta{ position:fixed; bottom:22px; right:22px; z-index:60; display:flex; align-items:center; gap:10px; background:var(--sage); color:#fff; padding:14px 20px; border-radius:50px; font-weight:600; font-size:14px; box-shadow:0 10px 26px rgba(10,35,74,0.35); }
  .float-cta:hover{ background:var(--sage-deep); }
  @media(max-width:640px){ .float-cta span{ display:none; } .float-cta{ padding:14px; } }

/* ================================================================
   PÁGINA: SolicitudPrestamo.html
   ================================================================ */
  .app-hero{ background:var(--ink); padding:64px 0 46px; }
  .app-hero .eyebrow{ color:var(--gold); }
  .app-hero h1{ color:#ffffff; font-size:clamp(30px,4vw,42px); margin-top:14px; }
  .app-hero p{ color:rgba(255,255,255,0.72); margin-top:14px; font-size:16px; max-width:560px; }

  .app-form-wrap{ max-width:820px; margin:0 auto; padding:52px 0 90px; }
  .form-card{ background:var(--card); border:1px solid var(--line); border-radius:10px; padding:40px; }
  @media(max-width:640px){ .form-card{ padding:26px 20px; } }

  .form-section{ margin-bottom:40px; }
  .form-section:last-child{ margin-bottom:0; }
  .form-section-title{ font-family:var(--serif); font-size:20px; color:var(--ink); margin-bottom:6px; padding-bottom:10px; border-bottom:2px solid var(--clay); display:inline-block; }
  .form-section-sub{ color:var(--ink-soft); font-size:13.5px; margin:8px 0 22px; }

  .app-grid{ display:grid; grid-template-columns:1fr 1fr; gap:16px; margin-bottom:16px; }
  @media(max-width:600px){ .app-grid{ grid-template-columns:1fr; } }
  .app-field{ display:flex; flex-direction:column; gap:6px; margin-bottom:16px; }
  .app-field label{ font-size:13px; font-weight:600; color:var(--ink); }
  .app-field .hint{ font-size:12px; font-weight:400; color:var(--ink-soft); }
  .app-field input, .app-field select, .app-field textarea{
    background:#ffffff; border:1px solid var(--line); color:var(--ink);
    padding:12px 14px; border-radius:var(--radius); font-family:var(--sans); font-size:14.5px; width:100%;
  }
  .app-field input:focus, .app-field select:focus, .app-field textarea:focus{
    outline:2px solid var(--clay); outline-offset:1px;
  }
  .app-field .phone-group select{ background:#ffffff; color:var(--ink); border:1px solid var(--line); }
  .app-field .phone-group input{ background:#ffffff; color:var(--ink); border:1px solid var(--line); }

  .radio-pill-group{ display:flex; gap:10px; flex-wrap:wrap; }
  .radio-pill{ position:relative; }
  .radio-pill input{ position:absolute; opacity:0; width:100%; height:100%; margin:0; cursor:pointer; }
  .radio-pill span{
    display:inline-block; padding:10px 18px; border:1px solid var(--line); border-radius:30px;
    font-size:13.5px; color:var(--ink-soft); cursor:pointer; transition:all .15s ease;
  }
  .radio-pill input:checked + span{ background:var(--clay); border-color:var(--clay); color:#fff; font-weight:600; }
  .radio-pill input:focus-visible + span{ outline:2px solid var(--clay-deep); outline-offset:2px; }

  .app-submit-row{ margin-top:36px; padding-top:28px; border-top:1px solid var(--line); }
  .app-note{ font-size:12.5px; color:var(--ink-soft); margin-top:10px; }

  .hijo-block{ border:1px solid var(--line); border-radius:8px; padding:16px; margin-top:14px; background:#fafafa; }
  .hijo-block-title{ font-family:var(--serif); font-size:15px; color:var(--clay-deep); margin-bottom:10px; }