/* QuipuCrédito — Main Stylesheet (terracotta + Andean turquoise on cream) */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --terra:#92400E;--terra-dark:#7C2D12;--terra-soft:#F6E8DC;
  --teal:#0D9488;--teal-dark:#0F766E;--teal-soft:#D9F2EF;
  --sand:#D9A05B;
  --text:#292524;--text-light:#78716C;--border:#E7DFD3;
  --cream:#FBF7F1;--cream-2:#F5EDE0;--white:#fff;
  --radius:12px;--shadow:0 2px 12px rgba(120,80,40,.08);
  --shadow-lg:0 8px 32px rgba(120,80,40,.14);
}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--text);background:var(--white);line-height:1.6;font-size:16px}
h1,h2,h3,.logo span{font-family:Georgia,"Times New Roman",serif}
h2{font-size:clamp(1.35rem,3vw,1.8rem);line-height:1.25;margin-bottom:16px}
h3{font-size:1.08rem;line-height:1.3}
p{margin-bottom:12px}
a{color:var(--teal-dark);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.container{max-width:1100px;margin:0 auto;padding:0 20px}
.section{padding:56px 0}
.section.alt{background:var(--cream)}
.sec-sub{color:var(--text-light);max-width:640px;margin:-8px auto 28px;text-align:center}
.section h2{text-align:center}

/* ANDEAN ACCENT — woven band */
.andes-divider{height:5px;background:repeating-linear-gradient(90deg,var(--terra) 0 14px,var(--sand) 14px 20px,var(--teal) 20px 34px,var(--sand) 34px 40px)}

/* HEADER */
.site-header{background:var(--white);position:sticky;top:0;z-index:100;box-shadow:0 1px 4px rgba(80,50,20,.08)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-size:1.4rem;font-weight:700;color:var(--terra);display:flex;align-items:center;gap:9px;text-decoration:none}
.logo svg{width:30px;height:30px;color:var(--terra)}
.logo-accent{color:var(--teal)}
.main-nav{display:flex;gap:4px}
.nav-link{padding:8px 14px;border-radius:8px;color:var(--text);font-size:.95rem;font-weight:500;transition:background .15s}
.nav-link:hover{background:var(--cream);text-decoration:none}
.header-actions{display:flex;align-items:center;gap:12px}
.cta-btn{background:var(--terra);color:#fff;border:none;padding:11px 22px;border-radius:9px;font-weight:700;font-size:.98rem;cursor:pointer;box-shadow:0 3px 10px rgba(146,64,14,.35);transition:background .15s}
.cta-btn:hover{background:var(--terra-dark)}
.cta-btn.big{padding:14px 34px;font-size:1.05rem}
.btn-outline{display:inline-block;border:2px solid var(--teal);color:var(--teal-dark);padding:10px 22px;border-radius:9px;font-weight:600;transition:.15s}
.btn-outline:hover{background:var(--teal);color:#fff;text-decoration:none}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;background:none;border:none}
.hamburger span{display:block;width:24px;height:2px;background:var(--text);border-radius:2px;transition:.2s}
.mobile-menu{display:none;position:fixed;top:69px;left:0;right:0;background:var(--white);border-bottom:1px solid var(--border);padding:16px;z-index:99;box-shadow:var(--shadow-lg)}
.mobile-menu a{display:block;padding:12px 16px;border-radius:8px;color:var(--text);font-weight:500;font-size:1rem;border-bottom:1px solid var(--cream)}
.mobile-menu .cta-btn{margin-top:12px;width:100%}
.mobile-menu.open{display:block}

/* HERO */
.hero{background:linear-gradient(160deg,var(--cream) 0%,var(--cream-2) 55%,var(--terra-soft) 100%);padding:56px 0 48px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(45deg,rgba(146,64,14,.04) 0 2px,transparent 2px 14px);pointer-events:none}
.hero-inner{position:relative;max-width:760px;text-align:center}
.promo-badge{display:inline-block;background:var(--white);border:1px solid var(--border);color:var(--terra-dark);border-radius:24px;padding:7px 18px;font-size:.9rem;font-weight:600;margin-bottom:18px;box-shadow:var(--shadow)}
.hero h1{font-size:clamp(1.9rem,4.4vw,3rem);font-weight:800;color:var(--terra-dark);margin-bottom:14px;line-height:1.18}
.hero-sub{font-size:1.12rem;color:var(--text-light);max-width:640px;margin:0 auto 20px}
.hero-points{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:8px 22px;margin-bottom:26px;font-size:.95rem;color:var(--teal-dark);font-weight:600}
.hero-form{background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:22px;max-width:460px;margin:0 auto;text-align:left}
.hero-form-label{display:block;font-weight:700;font-size:.95rem;margin-bottom:10px;color:var(--text)}
.phone-input-wrap{display:flex;align-items:center;border:1.5px solid var(--border);border-radius:9px;overflow:hidden;background:var(--white)}
.phone-prefix{padding:12px 12px;background:var(--cream);font-weight:700;color:var(--terra-dark);border-right:1.5px solid var(--border)}
.phone-input-wrap input{flex:1;border:none;outline:none;padding:12px;font-size:1rem;min-width:0}
.hero-form-btn{width:100%;margin-top:12px;background:var(--teal);color:#fff;border:none;padding:13px;border-radius:9px;font-weight:700;font-size:1rem;cursor:pointer;transition:background .15s}
.hero-form-btn:hover{background:var(--teal-dark)}
.hero-form-privacy{font-size:.75rem;color:var(--text-light);margin:10px 0 0;text-align:center}
.hero-form.done{background:var(--teal-soft);text-align:center}

/* CALCULATOR */
.calc-sec{background:var(--white)}
.calc-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:32px;max-width:700px;margin:0 auto}
.calc-card.compact{padding:22px;box-shadow:var(--shadow)}
.calc-title{font-size:1.2rem;font-weight:700;margin-bottom:22px;color:var(--terra-dark);text-align:center}
.calc-field{margin-bottom:18px}
.calc-field label{display:block;font-size:.875rem;font-weight:600;color:var(--text);margin-bottom:8px}
.range-row{display:flex;align-items:center;gap:14px}
.range-row input[type=range]{flex:1;-webkit-appearance:none;height:6px;border-radius:3px;background:var(--border);outline:none;cursor:pointer}
.range-row input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--terra);cursor:pointer;box-shadow:0 2px 6px rgba(146,64,14,.4)}
.range-row input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--terra);cursor:pointer;border:none}
.range-row span{min-width:96px;text-align:right;font-weight:700;color:var(--terra-dark)}
.range-minmax{display:flex;justify-content:space-between;font-size:.75rem;color:var(--text-light);margin-top:4px}
.promo-check{display:flex;align-items:center;gap:10px;margin:4px 0 16px;padding:11px 14px;background:var(--teal-soft);border:1px solid #A7DDD7;border-radius:8px;font-size:.88rem;font-weight:600;color:var(--teal-dark);cursor:pointer}
.promo-check input{width:17px;height:17px;accent-color:var(--teal);cursor:pointer}
.calc-results{background:var(--cream);border-radius:10px;padding:18px 20px;margin-bottom:16px}
.cr-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;border-bottom:1px solid var(--border);font-size:.9rem}
.cr-row:last-child{border:none}
.cr-row span{color:var(--text-light)}
.cr-row strong{color:var(--text)}
.cr-main strong{color:var(--terra-dark);font-size:1.05rem}
.cr-tcea strong{color:var(--teal-dark);font-size:1.05rem}
.calc-cta{width:100%;background:var(--terra);color:#fff;border:none;padding:14px;border-radius:9px;font-weight:700;font-size:1.02rem;cursor:pointer;box-shadow:0 3px 10px rgba(146,64,14,.35)}
.calc-cta:hover{background:var(--terra-dark)}
.calc-note{font-size:.75rem;color:var(--text-light);margin:12px 0 0;text-align:center}
.nbu-note{font-size:.85rem;color:var(--text-light);text-align:center;max-width:640px;margin:18px auto 0}

/* REQUIREMENTS / STEPS / RAILS / CARDS */
.req-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;max-width:960px;margin:0 auto}
.req-item{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:18px;display:flex;gap:12px;align-items:center;font-weight:600;box-shadow:var(--shadow)}
.req-item span{font-size:1.5rem}
.steps-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;max-width:960px;margin:0 auto 28px}
.step{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);position:relative}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--terra);color:#fff;font-weight:800;margin-bottom:12px;font-family:Georgia,serif}
.step h3{margin-bottom:8px;color:var(--terra-dark)}
.step p{margin:0;font-size:.93rem;color:var(--text-light)}
.rails-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;max-width:960px;margin:0 auto}
.rail-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:26px;text-align:center;box-shadow:var(--shadow)}
.rail-card h3{margin:12px 0 8px}
.rail-card p{margin:0;font-size:.92rem;color:var(--text-light)}
.rail-ico{display:inline-flex;align-items:center;justify-content:center;width:54px;height:54px;border-radius:16px;font-weight:800;font-size:1.4rem;color:#fff}
.rail-yape{background:#7C2D90}
.rail-plin{background:#1B1B1B}
.rail-bank{background:var(--teal)}
.cards-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.vcard{display:flex;flex-direction:column;gap:8px;background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s;text-decoration:none;color:var(--text)}
.vcard:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);text-decoration:none;border-color:var(--sand)}
.vcard-ico{font-size:1.6rem}
.vcard-title{font-weight:700;font-family:Georgia,serif;color:var(--terra-dark)}
.vcard-desc{font-size:.88rem;color:var(--text-light);flex:1}
.vcard-more{font-size:.85rem;font-weight:700;color:var(--teal-dark)}
.all-link{display:inline-block;font-weight:700;color:var(--teal-dark)}

/* TABLES */
.char-tbl{width:100%;border-collapse:collapse;margin:8px 0 20px;background:var(--white);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.char-tbl td{padding:12px 16px;border-bottom:1px solid var(--border);font-size:.93rem;vertical-align:top}
.char-tbl tr:last-child td{border-bottom:none}
.char-tbl td:first-child{font-weight:600;color:var(--terra-dark);width:38%;background:var(--cream)}
.text-block h2{text-align:left;margin-top:28px}
.text-block h2:first-child{margin-top:0}

/* SBS + SCAMS + WARNINGS */
.sbs-box{background:linear-gradient(135deg,var(--teal-soft),var(--cream));border:1px solid #A7DDD7;border-radius:var(--radius);padding:34px;text-align:center;max-width:860px;margin:0 auto}
.sbs-box h2{color:var(--teal-dark)}
.sbs-box p{max-width:680px;margin:0 auto 20px}
.scam-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px}
.scam-card{background:var(--white);border:1px solid var(--border);border-left:4px solid var(--terra);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}
.scam-card h3{margin-bottom:8px;color:var(--terra-dark);font-size:1rem}
.scam-card p{margin:0;font-size:.9rem;color:var(--text-light)}
.warn-list{list-style:none;margin:8px 0}
.warn-list li{background:var(--cream);border:1px solid var(--border);border-left:4px solid var(--teal);border-radius:8px;padding:14px 16px;margin-bottom:10px;font-size:.92rem}

/* LAYOUT 2 COL (intent pages) */
.layout-2col{display:grid;grid-template-columns:1fr 320px;gap:36px;padding:40px 20px;align-items:start}
.page-head h1{font-size:clamp(1.6rem,3.6vw,2.3rem);color:var(--terra-dark);margin-bottom:12px;line-height:1.2}
.page-head .intro{font-size:1.05rem;color:var(--text-light)}
.page-body h2{margin-top:34px;font-size:1.35rem;text-align:left}
.ctx-links{font-size:.92rem;color:var(--text-light);background:var(--cream);border-radius:8px;padding:12px 16px;margin:14px 0}
.legal-box{background:var(--terra-soft);border:1px solid #E5C9A8;border-radius:10px;padding:16px 18px;margin:24px 0;font-size:.92rem;color:var(--terra-dark)}
.adv-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px}
.adv-item{background:var(--cream);border:1px solid var(--border);border-radius:var(--radius);padding:18px}
.adv-item h3{color:var(--teal-dark);margin-bottom:6px;font-size:.98rem}
.adv-item p{margin:0;font-size:.88rem;color:var(--text-light)}
.closing{margin-top:26px;font-weight:600;text-align:center}
.sidebar{position:relative}
.sidebar-sticky{position:sticky;top:84px}

/* PAGE CONTENT (products/trust/legal) */
.page-content{max-width:860px;margin:0 auto;padding:44px 20px}
.page-content.narrow{max-width:780px}
.page-content h1{font-size:clamp(1.6rem,3.6vw,2.3rem);color:var(--terra-dark);margin-bottom:14px;line-height:1.2}
.page-content h2{margin-top:30px;font-size:1.3rem;text-align:left}
.intro{font-size:1.05rem;color:var(--text-light)}
.info-step{display:flex;gap:16px;margin:20px 0;align-items:flex-start}
.info-step .step-num{flex-shrink:0}
.info-step h2{margin:0 0 6px;font-size:1.15rem}
.info-step p{margin:0;color:var(--text-light);font-size:.95rem}
.check-list{margin:8px 0 16px;padding-left:4px;list-style:none}
.check-list li{padding:8px 0 8px 30px;position:relative}
.check-list li::before{content:"✓";position:absolute;left:2px;color:var(--teal);font-weight:800}
.page-content ol,.page-content ul:not(.check-list):not(.warn-list){padding-left:22px;margin-bottom:14px}
.page-content ol li,.page-content ul:not(.check-list):not(.warn-list) li{margin-bottom:6px}

/* PARTNERS (placeholder slots) */
.partner-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin:20px 0 8px}
.partner-slot{background:var(--cream);border:2px dashed var(--sand);border-radius:var(--radius);padding:24px;text-align:center}
.partner-slot-ico{font-size:1.8rem}
.partner-slot h3{margin:10px 0 6px;color:var(--terra-dark)}
.partner-slot p{font-size:.85rem;color:var(--text-light)}
.partner-slot-state{display:inline-block;margin-top:10px;background:var(--teal-soft);color:var(--teal-dark);font-size:.78rem;font-weight:700;border-radius:20px;padding:4px 14px}

/* FAQ */
.faq-item{border:1px solid var(--border);border-radius:10px;margin-bottom:10px;background:var(--white);overflow:hidden}
.faq-q{width:100%;background:none;border:none;text-align:left;padding:16px 18px;font-size:.98rem;font-weight:600;color:var(--text);cursor:pointer;display:flex;justify-content:space-between;gap:12px;font-family:inherit}
.faq-arrow{transition:transform .2s;color:var(--terra)}
.faq-a{display:none;padding:0 18px 16px;color:var(--text-light);font-size:.93rem}
.faq-item.open .faq-a{display:block}
.faq-item.open .faq-arrow{transform:rotate(180deg)}

/* RELATED */
.related-grid{display:flex;flex-wrap:wrap;gap:10px}
.related-grid a{background:var(--cream);border:1px solid var(--border);border-radius:24px;padding:8px 16px;font-size:.88rem;font-weight:500;color:var(--terra-dark);transition:.15s}
.related-grid a:hover{background:var(--terra-soft);text-decoration:none;border-color:var(--sand)}
.useful-links{margin-top:30px;font-size:.9rem;color:var(--text-light)}

/* FOOTER */
.site-footer{background:#2B1D12;color:#D8C7B4;margin-top:40px}
.site-footer .container{padding:44px 20px 28px}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:28px;margin-bottom:28px}
.f-col h4{color:#fff;font-family:Georgia,serif;margin-bottom:12px;font-size:1.02rem}
.f-col ul{list-style:none}
.f-col li{margin-bottom:8px}
.f-col a{color:#D8C7B4;font-size:.9rem}
.f-col a:hover{color:#fff}
.footer-contacts{display:flex;flex-wrap:wrap;gap:10px 26px;padding:18px 0;border-top:1px solid rgba(255,255,255,.12);font-size:.9rem}
.footer-contacts a{color:#D8C7B4}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;font-size:.78rem;color:#A08B76}
.footer-bottom p{margin-bottom:8px}

/* MODAL */
.modal-overlay{display:none;position:fixed;inset:0;background:rgba(43,29,18,.55);z-index:200;align-items:center;justify-content:center;padding:20px}
.modal-overlay.open{display:flex}
.modal{background:var(--white);border-radius:16px;max-width:440px;width:100%;padding:30px;position:relative;box-shadow:var(--shadow-lg);border-top:6px solid var(--terra)}
.modal-close{position:absolute;top:10px;right:14px;background:none;border:none;font-size:1.6rem;cursor:pointer;color:var(--text-light)}
.modal-title{font-size:1.3rem;color:var(--terra-dark);margin-bottom:8px;text-align:center}
.modal-sub{color:var(--text-light);font-size:.92rem;text-align:center;margin-bottom:18px}
.modal-submit{width:100%;margin-top:14px;background:var(--teal);color:#fff;border:none;padding:13px;border-radius:9px;font-weight:700;cursor:pointer}
.modal-submit:hover{background:var(--teal-dark)}
.spinner{width:42px;height:42px;border:4px solid var(--cream-2);border-top-color:var(--terra);border-radius:50%;margin:30px auto;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.offer-slots{display:grid;gap:12px;margin-top:16px}
.offer-slot{border:2px dashed var(--sand);background:var(--cream);border-radius:10px;padding:14px;text-align:center;font-size:.88rem;color:var(--text-light)}
.offer-slot strong{display:block;color:var(--terra-dark);font-size:.95rem;margin-bottom:2px}

/* STICKY CTA */
.sticky-cta{position:fixed;bottom:18px;left:50%;transform:translateX(-50%) translateY(90px);z-index:150;box-shadow:0 6px 24px rgba(146,64,14,.4);transition:transform .25s}
.sticky-cta.visible{transform:translateX(-50%) translateY(0)}

/* RESPONSIVE */
@media(max-width:900px){
  .layout-2col{grid-template-columns:1fr;gap:20px;padding-top:28px}
  .sidebar{order:-1}
  .sidebar-sticky{position:static}
  .main-nav,.header-actions{display:none}
  .hamburger{display:flex}
}
@media(max-width:560px){
  .section{padding:40px 0}
  .hero{padding:40px 0 36px}
  .calc-card{padding:22px}
  .range-row span{min-width:76px;font-size:.9rem}
  .char-tbl td:first-child{width:44%}
}