/* Página Premium Finance (Spec 54) — dirección de arte aprobada el 4 Nov 2026 (landing-hubs/premium-finance/direccion-de-arte.html).
   Identidad Expertise Network + oro #EFBF04 + referencias Morph AI / Paya. Construida con la skill ruva-web-pro. */
:root{
  --oro:#EFBF04; --oro-press:#D9AD00; --oro-texto:#7A5E00;
  --ink:#111111; --grafito:#2F2F2F; --muted:#5B574F;
  --bg:#F6F2EA; --surface:#FFFFFF; --line:#E2DCCF;
  --cta:var(--oro); --cta-ink:var(--ink);
  --font-display:"Montserrat",system-ui,sans-serif;
  --font-body:"Poppins",system-ui,sans-serif;
  --font-mono:"JetBrains Mono",ui-monospace,monospace;
  --r-xl:28px; --r-lg:18px; --r-md:12px; --r-sm:8px;
  --stroke:2px;
  --ease:cubic-bezier(.25,1,.5,1); --ease-io:cubic-bezier(.65,0,.35,1);
  --dur:.9s; --dist:28px; --t-hover:.4s;
  --gutter:clamp(18px,4.5vw,64px);
  --maxw:1240px;
  --section-y:clamp(72px,9vw,128px);
}
*{box-sizing:border-box;margin:0;padding:0}
html{background:var(--bg);scroll-behavior:smooth}
body{background:var(--bg);color:var(--ink);font-family:var(--font-body);font-size:16px;line-height:1.6;overflow-x:clip;-webkit-font-smoothing:antialiased}
img,video{display:block;max-width:100%}
a{color:inherit}
:focus-visible{outline:3px solid var(--ink);outline-offset:3px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 var(--gutter)}
.salto{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}
.salto:focus{width:auto;height:auto;clip-path:none;left:8px;top:8px;background:var(--ink);color:#fff;padding:10px 14px;z-index:99}
.eyebrow{font-family:var(--font-mono);font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--grafito);display:inline-flex;align-items:center;gap:10px}
.rombo{width:9px;height:9px;background:var(--oro);transform:rotate(45deg);flex:none;display:inline-block}
.h2{font-family:var(--font-display);font-weight:800;font-size:clamp(32px,4.6vw,60px);line-height:1;letter-spacing:-.03em}
.sec{padding:var(--section-y) 0}

/* ===== Botones ===== */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 26px;border-radius:999px;background:var(--cta);color:var(--cta-ink);
  font-family:var(--font-display);font-weight:700;font-size:15px;text-decoration:none;border:0;cursor:pointer;overflow:hidden;isolation:isolate;
  transition:transform var(--t-hover) var(--ease),box-shadow var(--t-hover) var(--ease),color var(--t-hover) var(--ease)}
.btn::before{content:"";position:absolute;inset:0;z-index:-1;background:var(--ink);transform:translateY(101%);transition:transform var(--t-hover) var(--ease)}
.btn:hover{color:#fff;box-shadow:0 18px 40px -18px rgba(239,191,4,.9)}
.btn:hover::before{transform:translateY(0)}
.btn:active{transform:scale(.97)}
.btn svg{width:18px;height:18px;flex:none}
.btn--oscuro{background:var(--ink);color:#fff}
.btn--oscuro::before{background:#fff}
.btn--oscuro:hover{color:var(--ink)}
.btn--linea{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 1.5px var(--ink)}
.btn--linea::before{background:var(--ink)}
.link{font-family:var(--font-display);font-weight:600;font-size:15px;color:var(--ink);text-decoration:none;border-bottom:2px solid var(--ink);padding-bottom:2px}

/* ===== INICIO Cabecera ===== */
.top{position:sticky;top:0;z-index:40;background:rgba(246,242,234,.92);backdrop-filter:saturate(1.2) blur(8px);border-bottom:1px solid transparent;transition:border-color .3s}
.top.con-borde{border-color:var(--line)}
.top__in{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px var(--gutter);max-width:var(--maxw);margin:0 auto}
.top__logo img{height:40px;width:auto}
.top nav{display:none;gap:28px;font-size:14px;font-weight:500}
.top nav a{text-decoration:none}
.top nav a:hover{text-decoration:underline;text-underline-offset:4px}
.top__der{display:flex;align-items:center;gap:12px}
.idioma{font-family:var(--font-mono);font-size:12px;border:1.5px solid var(--ink);border-radius:999px;padding:7px 12px;text-decoration:none;min-height:36px;display:inline-flex;align-items:center}
.top .btn{display:none;min-height:42px;padding:0 18px;font-size:13px}
@media (min-width:1000px){.top nav{display:flex}.top .btn{display:inline-flex}.top__logo img{height:50px}}
/* ===== FIN Cabecera ===== */

/* ===== INICIO Portada ===== */
.hero{padding:clamp(22px,4vw,56px) 0 var(--section-y)}
.hero__grid{display:grid;gap:clamp(28px,4vw,64px);align-items:center}
.hero h1{font-family:var(--font-display);margin-top:16px}
.hero h1 .big{display:block;font-weight:800;font-size:clamp(46px,8.4vw,112px);line-height:.95;letter-spacing:-.035em;padding-bottom:.08em}
.hero h1 .big em{font-style:normal;background:linear-gradient(transparent 62%,var(--oro) 62%,var(--oro) 92%,transparent 92%)}
.hero h1 .small{display:block;font-weight:700;font-size:clamp(18px,2vw,24px);line-height:1.3;letter-spacing:-.01em;margin-top:14px;max-width:26ch}
.hero .lead{color:var(--grafito);font-size:clamp(16px,1.3vw,18px);margin-top:18px;max-width:46ch}
.acciones{display:flex;flex-wrap:wrap;gap:12px 18px;align-items:center;margin-top:28px}
.sellos{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:26px;font-size:13px;color:var(--grafito);list-style:none}
.sellos li{display:inline-flex;align-items:center;gap:8px}
.visual{position:relative;max-width:520px;width:100%;justify-self:center}
.piezas{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;text-align:center;list-style:none}
.piezas li{font-family:var(--font-mono);font-size:11px;line-height:1.35;letter-spacing:.06em;text-transform:uppercase}
.v{display:block;width:100%;height:clamp(54px,7vw,84px);overflow:visible}
.v path{fill:none;stroke:var(--ink);stroke-width:var(--stroke);vector-effect:non-scaling-stroke}
.nodo{position:absolute;left:50%;width:22px;height:22px;margin-left:-11px;background:var(--oro);border:2px solid var(--ink);transform:rotate(45deg);z-index:3}
.arco{position:relative;border-radius:999px 999px var(--r-xl) var(--r-xl);overflow:hidden;aspect-ratio:4/4.6;background:#d9d3c6;margin-top:-2px}
.arco img{width:100%;height:100%;object-fit:cover;object-position:50% 40%}
.ficha{position:absolute;left:8px;bottom:22px;display:flex;align-items:center;gap:12px;background:var(--surface);border-radius:var(--r-lg);padding:10px 16px 10px 10px;box-shadow:0 24px 50px -24px rgba(17,17,17,.55);max-width:82%}
.ficha img{width:46px;height:46px;border-radius:50%;object-fit:cover;object-position:50% 20%}
.ficha b{display:block;font-family:var(--font-display);font-size:14px}
.ficha small{font-size:12px;color:var(--grafito)}
.sello{position:absolute;right:6px;top:38%;width:96px;height:96px;color:var(--ink);background:var(--bg);border-radius:50%}
.sello text{font-family:var(--font-mono);font-size:9.6px;letter-spacing:1.6px}
@media (min-width:900px){.hero__grid{grid-template-columns:1.1fr .9fr}.ficha{left:-38px}.sello{right:-14px}}
/* ===== FIN Portada ===== */

/* ===== INICIO Qué es + video ===== */
.quees__grid{display:grid;gap:22px 64px;align-items:start}
.quees__txt{font-size:clamp(16px,1.35vw,19px);color:var(--grafito)}
.quees__txt p+p{margin-top:14px}
@media (min-width:900px){.quees__grid{grid-template-columns:.9fr 1.1fr}}
.video{position:relative;margin-top:clamp(28px,4vw,48px);aspect-ratio:16/9;background:#0c0c0e;border-radius:var(--r-xl);overflow:hidden}
.video video{position:absolute;inset:0;width:100%;height:100%;object-fit:contain;background:#000}
.video__portada{position:absolute;inset:0;border:0;padding:0;cursor:pointer;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;color:#fff;background:#0c0c0e}
.video__portada img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.video__portada::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(12,12,14,.85),rgba(12,12,14,.2) 60%,transparent)}
.video__play{position:relative;z-index:1;width:72px;height:72px;border-radius:50%;background:var(--oro);color:var(--ink);display:flex;align-items:center;justify-content:center;transition:transform var(--t-hover) var(--ease)}
.video__portada:hover .video__play{transform:scale(1.08)}
.video__play svg{width:28px;height:28px;margin-left:4px}
.video__txt{position:relative;z-index:1;font-family:var(--font-display);font-weight:700;font-size:clamp(15px,1.6vw,20px)}
@media (max-width:640px){.video{margin-left:calc(var(--gutter) * -1);margin-right:calc(var(--gutter) * -1);border-radius:0}.video__play{width:56px;height:56px}}
/* ===== FIN Qué es + video ===== */

/* ===== INICIO Cómo funciona ===== */
.intro{color:var(--grafito);max-width:52ch;margin-top:14px}
.pasos{display:grid;gap:14px;margin-top:34px;list-style:none;position:relative}
.paso{border-radius:var(--r-lg);padding:24px;border:1.5px solid var(--ink);display:flex;flex-direction:column;gap:12px}
.paso .num{display:flex;align-items:center;justify-content:space-between;font-family:var(--font-mono);font-size:13px}
.paso h3{font-family:var(--font-display);font-weight:700;font-size:22px;line-height:1.15;letter-spacing:-.01em}
.paso p{font-size:15px;line-height:1.6}
.paso.b{background:var(--surface)} .paso.n{background:var(--ink);color:#fff} .paso.o{background:var(--oro)}
.paso.n p{color:#d7d3cb}
.paso .r{width:12px;height:12px;transform:rotate(45deg);border:2px solid currentColor}
.paso.n .r{background:var(--oro);border-color:var(--oro)}
.nota-caja{margin-top:18px;display:flex;gap:14px;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:20px 22px;font-size:15px;color:var(--grafito)}
.nota-caja .rombo{margin-top:8px}
@media (min-width:900px){.pasos{grid-template-columns:repeat(3,1fr)}}
/* ===== FIN Cómo funciona ===== */

/* ===== INICIO Por qué lo eligen ===== */
.porque__grid{display:grid;gap:34px;align-items:center}
.razones{list-style:none;margin-top:30px;border-top:1.5px solid var(--ink)}
.razon{display:grid;grid-template-columns:auto 1fr;gap:6px 22px;padding:22px 0;border-bottom:1px solid var(--line)}
.razon .n{font-family:var(--font-display);font-weight:800;font-size:clamp(34px,4vw,52px);line-height:1;color:var(--ink);grid-row:span 2}
.razon h3{font-family:var(--font-display);font-weight:700;font-size:20px;line-height:1.2}
.razon p{font-size:15px;color:var(--grafito)}
.porque__foto{border-radius:999px 999px var(--r-xl) var(--r-xl);overflow:hidden;aspect-ratio:4/5;max-width:420px;width:100%;justify-self:center}
.porque__foto img{width:100%;height:100%;object-fit:cover;object-position:50% 0}   /* la torre completa, con su antena */
.porque .nota-caja{margin-top:22px}
@media (min-width:900px){.porque__grid{grid-template-columns:1.25fr .75fr}}
/* ===== FIN Por qué lo eligen ===== */

/* ===== INICIO Riesgos (oscuro) ===== */
.riesgos{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.riesgos .eyebrow{color:#cfc9bd}
.riesgos__marca{position:absolute;right:-90px;top:50%;width:420px;height:420px;margin-top:-210px;opacity:.06;pointer-events:none}
.riesgos__lista{list-style:none;margin-top:34px;display:grid;gap:0}
.riesgo{display:grid;grid-template-columns:auto 1fr;gap:4px 18px;padding:22px 0;border-top:1px solid rgba(255,255,255,.16);position:relative}
.riesgo .rombo{margin-top:9px;grid-row:span 2}
.riesgo h3{font-family:var(--font-display);font-weight:700;font-size:20px}
.riesgo p{color:#d7d3cb;font-size:15px}
.riesgos__cierre{margin-top:26px;font-family:var(--font-display);font-weight:700;font-size:clamp(20px,2.2vw,28px);color:var(--oro)}
@media (min-width:900px){.riesgos__lista{grid-template-columns:repeat(3,1fr);gap:0 28px}}
/* ===== FIN Riesgos ===== */

/* ===== INICIO Quién califica ===== */
.requisitos{list-style:none;margin-top:28px;display:grid;gap:12px}
.requisitos li{display:flex;gap:14px;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:16px 18px;font-size:15px}
.requisitos .rombo{margin-top:8px}
@media (min-width:900px){.requisitos{grid-template-columns:repeat(2,1fr)}}
.banda{margin-top:22px;background:var(--oro);border-radius:var(--r-xl);padding:clamp(28px,5vw,60px);display:grid;gap:20px;align-items:center;position:relative;overflow:hidden}
.banda h2{font-family:var(--font-display);font-weight:800;font-size:clamp(30px,4.2vw,54px);line-height:1;letter-spacing:-.03em;max-width:16ch}
.banda .btn{justify-self:start}
.banda__marca{position:absolute;right:-40px;bottom:-60px;width:260px;opacity:.12;pointer-events:none}
@media (min-width:900px){.banda{grid-template-columns:1fr auto}}
/* ===== FIN Quién califica ===== */

/* ===== INICIO Quién te acompaña ===== */
.quien__grid{display:grid;gap:34px;align-items:center}
.quien__foto{position:relative;max-width:420px;width:100%;justify-self:center}
.quien__foto .marco{border-radius:999px 999px var(--r-xl) var(--r-xl);overflow:hidden;aspect-ratio:4/5;background:#222}
.quien__foto img{width:100%;height:100%;object-fit:cover;object-position:50% 18%}
.quien p.txt{color:var(--grafito);margin-top:16px;max-width:52ch}
.credenciales{list-style:none;margin-top:22px;display:grid;gap:10px}
.credenciales li{display:flex;gap:12px;align-items:center;font-size:15px}
.quien .btn{margin-top:26px}
@media (min-width:900px){.quien__grid{grid-template-columns:.8fr 1.2fr}}
/* ===== FIN Quién te acompaña ===== */

/* ===== INICIO Preguntas frecuentes ===== */
.faq{margin-top:28px;border-top:1.5px solid var(--ink)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;gap:16px;align-items:center;justify-content:space-between;padding:20px 0;min-height:56px;font-family:var(--font-display);font-weight:700;font-size:clamp(16px,1.5vw,19px)}
.faq summary::-webkit-details-marker{display:none}
.faq summary .rombo{width:12px;height:12px;background:transparent;border:2px solid var(--ink);transition:transform var(--t-hover) var(--ease),background var(--t-hover)}
.faq details[open] summary .rombo{transform:rotate(225deg);background:var(--oro)}
.faq .resp{padding:0 0 22px;color:var(--grafito);max-width:70ch}
.faq .resp p+p{margin-top:10px}
.faq .resp b{color:var(--ink)}
.faq__mas{margin-top:26px}
/* ===== FIN Preguntas frecuentes ===== */

/* ===== INICIO Dónde atendemos ===== */
.oficinas{list-style:none;margin-top:30px;display:grid;gap:12px}
.oficina{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:20px}
.oficina .eyebrow{font-size:11px}
.oficina b{display:block;font-family:var(--font-display);font-size:17px;margin-top:8px}
.oficina span{color:var(--grafito);font-size:14px}
.contacto{display:flex;flex-wrap:wrap;gap:14px 22px;align-items:center;margin-top:24px}
.contacto a.tel{font-family:var(--font-display);font-weight:700;font-size:18px;text-decoration:none}
@media (min-width:700px){.oficinas{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1100px){.oficinas{grid-template-columns:repeat(4,1fr)}}
/* ===== FIN Dónde atendemos ===== */

/* ===== INICIO Pie ===== */
.pie{background:var(--ink);color:#fff;padding:clamp(48px,7vw,80px) 0 calc(40px + env(safe-area-inset-bottom))}
.pie__logo{height:56px;width:auto}
.pie__desc{color:#bdb8ae;font-size:13px;line-height:1.6;max-width:80ch;margin-top:22px}
.pie__links{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:22px;font-size:14px}
.pie__links a{color:#fff;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.3)}
.pie__copy{font-family:var(--font-mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#8f8a80;margin-top:28px}
/* ===== FIN Pie ===== */

/* ===== Barra fija del celular ===== */
.barra{position:fixed;left:0;right:0;bottom:0;z-index:50;padding:10px var(--gutter) calc(10px + env(safe-area-inset-bottom));background:rgba(246,242,234,.96);border-top:1px solid var(--line);
  transition:transform .4s var(--ease)}
.barra .btn{width:100%}
.barra.oculta{transform:translateY(110%)}
@media (min-width:900px){.barra{display:none}}
@media (max-width:899px){body{padding-bottom:76px}}

/* ===== Estados para animar (solo con JS) ===== */
.js .hero [data-in]{opacity:0}
.js [data-reveal]{opacity:0}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}