:root{--navy:#071d3b;--navy2:#0b2b55;--orange:#f47a20;--cream:#f7f5f1;--white:#fff;--ink:#10233e;--muted:#687487;--line:#dfe4ea;--green:#20b86a}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Manrope,system-ui,sans-serif;color:var(--ink);background:#fff}a{text-decoration:none;color:inherit}.site-header{height:82px;padding:0 clamp(24px,6vw,92px);display:flex;align-items:center;gap:44px;border-bottom:1px solid #e7ebef;background:rgba(255,255,255,.96);position:sticky;top:0;z-index:20}.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:24px;letter-spacing:-1.2px;margin-right:auto}.brand>span>span{color:var(--orange)}.brand-mark{position:relative;width:31px;height:31px;display:inline-block;transform:rotate(-12deg)}.brand-mark i{display:block;position:absolute;width:11px;border-radius:3px;background:var(--orange);bottom:2px}.brand-mark i:nth-child(1){height:13px;left:0}.brand-mark i:nth-child(2){height:21px;left:10px}.brand-mark i:nth-child(3){height:29px;left:20px;background:var(--navy)}nav{display:flex;gap:34px;font-size:13px;font-weight:700;color:#465368}nav a:hover{color:var(--orange)}.button{display:inline-flex;align-items:center;justify-content:center;gap:9px;background:var(--orange);color:#fff;padding:16px 23px;border-radius:8px;font-weight:800;font-size:14px;box-shadow:0 8px 20px rgba(244,122,32,.18);transition:.2s}.button:hover{transform:translateY(-2px);background:#e96811}.button-small{padding:12px 18px;font-size:12px}.menu{display:none;border:0;background:transparent}.hero{min-height:650px;background:linear-gradient(125deg,#fafafa 0%,#fff 53%,#eef2f4 100%);display:grid;grid-template-columns:1.02fr .98fr;align-items:center;padding:70px clamp(24px,8vw,128px) 80px;overflow:hidden}.hero-copy{max-width:620px;position:relative;z-index:2}.eyebrow,.kicker{font-size:11px;font-weight:800;letter-spacing:2px;color:var(--orange)}.eyebrow{display:flex;align-items:center;gap:10px}.eyebrow span{width:25px;height:2px;background:var(--orange)}h1,h2{font-size:clamp(45px,5.2vw,76px);line-height:1.02;letter-spacing:-4px;margin:24px 0;font-weight:800;color:var(--navy)}h1 em,h2 em{font-style:normal;color:var(--orange)}.hero-lead{font-size:18px;line-height:1.65;color:#5d6878;max-width:540px}.hero-actions{display:flex;align-items:center;gap:30px;margin-top:35px}.wa-icon{font-size:18px}.text-link{font-weight:800;font-size:13px}.text-link span{color:var(--orange);margin-left:6px}.trust-line{display:flex;align-items:center;gap:15px;margin-top:46px}.avatars{display:flex}.avatars i{width:39px;height:39px;border-radius:50%;border:3px solid #fff;background:var(--navy);color:#fff;display:grid;place-items:center;font-style:normal;font-size:9px;font-weight:800;margin-left:-8px}.avatars i:first-child{margin:0;background:var(--orange)}.avatars i:last-child{background:#dfe8ef;color:var(--navy)}.trust-line p{font-size:11px;line-height:1.5;color:#718092}.trust-line strong{color:var(--ink)}.hero-visual{height:520px;position:relative;display:grid;place-items:center}.hero-visual:before{content:"";position:absolute;width:420px;height:420px;border-radius:50%;background:var(--navy);box-shadow:0 30px 70px rgba(7,29,59,.25)}.orbit{position:absolute;border:1px solid rgba(244,122,32,.4);border-radius:50%}.orbit-one{width:510px;height:510px}.orbit-two{width:580px;height:580px;border-color:rgba(7,29,59,.08)}.advisor-card{position:relative;z-index:2;width:min(370px,80%);min-height:385px;border-radius:20px;background:#fff;padding:27px;box-shadow:0 30px 70px rgba(0,0,0,.28);transform:rotate(-2deg)}.card-top{display:flex;justify-content:space-between;align-items:center}.mini-brand{background:var(--orange);color:#fff;width:38px;height:38px;border-radius:10px;display:grid;place-items:center;font-weight:800}.status{font-size:9px;font-weight:700;color:#607085}.status i{display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--green);margin-right:5px}.card-copy{padding:52px 5px 30px}.card-copy small{display:block;color:#7c8794;font-size:12px;margin-bottom:8px}.card-copy strong{font-size:27px;line-height:1.15;color:var(--navy);display:block}.chat-bubble{background:#f1f5f7;border-radius:12px;padding:15px;display:flex;gap:12px}.chat-bubble>span{flex:0 0 25px;height:25px;display:grid;place-items:center;background:var(--orange);color:#fff;border-radius:50%;font-size:12px}.chat-bubble p{margin:0;font-size:10px;line-height:1.5;color:#7a8795}.chat-bubble b{color:var(--navy)}.advisor-card>a{display:flex;justify-content:space-between;margin-top:27px;padding:15px 5px 0;border-top:1px solid #e7ebee;color:var(--orange);font-size:17px;font-weight:800}.floating-tag{position:absolute;z-index:3;background:#fff;border-radius:9px;box-shadow:0 12px 35px rgba(0,0,0,.18);font-size:10px;font-weight:800}.tag-one{top:87px;right:2%;padding:12px 15px;color:var(--navy)}.tag-one:before{content:"✓";color:#fff;background:var(--orange);padding:4px;border-radius:50%;margin-right:7px}.tag-two{bottom:80px;left:-1%;padding:14px 18px}.tag-two b,.tag-two span{display:block}.tag-two b{font-size:19px;color:var(--orange)}.tag-two span{font-size:8px;color:#778393}.audience{background:var(--navy);color:#fff;text-align:center;padding:24px clamp(15px,5vw,80px)}.audience p{text-transform:uppercase;letter-spacing:2px;font-size:9px;color:#90a0b6;margin:0 0 15px}.audience div{display:flex;justify-content:center;gap:clamp(20px,5vw,75px);font-weight:700;font-size:12px}.audience span::first-letter{color:var(--orange)}.section{padding:100px clamp(24px,8vw,128px)}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:50px}.section-heading h2,.process h2{font-size:clamp(38px,4vw,57px);margin:15px 0 0}.section-heading>p{max-width:420px;line-height:1.8;color:var(--muted);font-size:14px;margin-bottom:5px}.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);margin-top:60px;border:1px solid var(--line)}.benefit-grid article{position:relative;padding:35px;min-height:320px;border-right:1px solid var(--line)}.benefit-grid article:last-child{border:0}.number{position:absolute;right:24px;top:23px;color:#a3acb7;font-size:11px;font-weight:800}.icon{font-size:28px;color:var(--orange);margin-bottom:42px}.benefit-grid h3{font-size:18px;color:var(--navy)}.benefit-grid p{font-size:12px;line-height:1.8;color:#748092}.benefit-grid .featured{background:var(--orange);color:#fff}.featured .number,.featured .icon,.featured p{color:#fff}.featured h3{color:#fff}.featured a{display:inline-block;margin-top:23px;border-bottom:1px solid #fff;padding-bottom:4px;font-size:11px;font-weight:800}.process{background:#f5f4f1}.process-panel{background:var(--navy);color:#fff;border-radius:14px;padding:75px;display:grid;grid-template-columns:1fr 1fr;gap:100px;position:relative;overflow:hidden}.process-panel:after{content:"";position:absolute;width:340px;height:340px;border:55px solid rgba(244,122,32,.08);border-radius:50%;right:-180px;top:-210px}.kicker.light{color:#ff9b52}.process h2{color:#fff;letter-spacing:-3px}.process-intro p{color:#8fa0b5;font-size:13px}.process ol{margin:0;padding:0;list-style:none}.process li{display:flex;gap:22px;padding:0 0 27px;margin-bottom:27px;border-bottom:1px solid rgba(255,255,255,.1)}.process li:last-child{margin:0;border:0;padding:0}.process li>span{flex:0 0 34px;height:34px;display:grid;place-items:center;border-radius:50%;background:var(--orange);font-size:12px;font-weight:800}.process h3{font-size:15px;margin:0 0 7px}.process li p{margin:0;color:#90a1b6;font-size:11px;line-height:1.6}.partners{text-align:center}.partners h2{font-size:clamp(36px,4vw,54px);margin:16px 0}.partners>p{max-width:560px;margin:0 auto;color:var(--muted);font-size:13px;line-height:1.7}.partner-grid{display:grid;grid-template-columns:repeat(5,1fr);margin-top:55px;border:1px solid var(--line)}.partner-grid div{height:95px;display:grid;place-items:center;border-right:1px solid var(--line);font-weight:800;color:#42536b;font-size:13px}.partner-grid div:last-child{border:0}.partner-grid span,.partner-grid b{color:var(--orange)}.final-cta{background:var(--orange);color:#fff;display:flex;align-items:center;justify-content:space-between}.final-cta h2{font-size:clamp(36px,4vw,55px);color:#fff;margin:15px 0;letter-spacing:-3px}.final-cta p{font-size:13px}.cta-contact{display:flex;flex-direction:column;align-items:center;gap:18px}.button-white{background:#fff;color:var(--navy);box-shadow:none}.button-white:hover{background:#f6f6f6}.cta-contact>a:last-child{font-size:19px;font-weight:800}footer{background:#06172e;color:#8190a5;padding:35px clamp(24px,8vw,128px);display:flex;align-items:center;gap:40px;font-size:10px}.brand-light{color:#fff;font-size:19px}.brand-light .brand-mark{transform:scale(.8) rotate(-12deg)}footer p{margin-left:auto}footer small{padding-left:40px;border-left:1px solid #263750}.mobile-wa{display:none}
@media(max-width:900px){nav,.site-header>.button{display:none}.menu{display:block;width:36px}.menu span{height:2px;background:var(--navy);display:block;margin:7px}.site-header.open nav{display:flex;position:absolute;top:82px;left:0;right:0;background:#fff;flex-direction:column;padding:25px;box-shadow:0 12px 25px rgba(0,0,0,.1)}.hero{grid-template-columns:1fr;padding-top:55px}.hero-copy{max-width:700px}.hero-visual{margin-top:30px}.section-heading{align-items:start;flex-direction:column}.benefit-grid{grid-template-columns:1fr}.benefit-grid article{border-right:0;border-bottom:1px solid var(--line)}.process-panel{grid-template-columns:1fr;gap:50px;padding:55px 40px}.partner-grid{grid-template-columns:repeat(2,1fr)}.partner-grid div{border-bottom:1px solid var(--line)}.final-cta{gap:40px}.audience div{flex-wrap:wrap}footer{flex-wrap:wrap}footer p{margin-left:0}}
@media(max-width:600px){.site-header{height:70px;padding:0 20px}.brand{font-size:21px}.hero{padding:48px 22px 55px;min-height:auto}h1{font-size:48px;letter-spacing:-3px}.hero-lead{font-size:15px}.hero-actions{align-items:stretch;flex-direction:column;gap:18px}.text-link{text-align:center}.hero-visual{height:440px;margin-left:-20px;margin-right:-20px}.hero-visual:before{width:310px;height:310px}.orbit-one{width:360px;height:360px}.orbit-two{width:420px;height:420px}.advisor-card{width:285px;min-height:330px;padding:20px}.card-copy{padding:40px 4px 23px}.card-copy strong{font-size:22px}.tag-one{right:0;top:55px}.tag-two{left:0;bottom:55px}.audience{padding:25px 18px}.audience div{gap:15px 25px}.section{padding:72px 22px}.section-heading h2,.process h2{font-size:40px;letter-spacing:-2.5px}.benefit-grid{margin-top:40px}.benefit-grid article{min-height:280px;padding:30px}.process-panel{padding:45px 25px;margin:0 -5px}.partner-grid{grid-template-columns:1fr 1fr}.partner-grid div{height:78px}.final-cta{align-items:flex-start;flex-direction:column}.final-cta h2{font-size:40px}.cta-contact{width:100%}.cta-contact .button{width:100%}footer{flex-direction:column;align-items:flex-start;gap:15px}footer small{padding-left:0;border:0}.mobile-wa{display:grid;position:fixed;z-index:30;right:18px;bottom:18px;width:54px;height:54px;place-items:center;background:#20bd68;color:#fff;border-radius:50%;box-shadow:0 8px 25px rgba(0,0,0,.25);font-size:25px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}

/* Sistema institucional CrediKach: azul base + verde de marca */
:root{--navy:#0b2d4f;--navy2:#174e78;--orange:#78be20;--cream:#f4f6f8;--ink:#102a43;--muted:#68788a;--line:#dce3e9}
.brand{margin-right:auto;display:flex;align-items:center}
.brand img{display:block;width:190px;height:auto}
.brand-light img{width:175px}
.button{box-shadow:0 8px 20px rgba(120,190,32,.22)}
.button:hover{background:#64a415}
.hero{background:linear-gradient(125deg,#fafbfc 0%,#fff 53%,#edf3f7 100%)}
.hero-visual:before{background:linear-gradient(145deg,#0b2d4f,#174e78);box-shadow:0 30px 70px rgba(11,45,79,.25)}
.orbit{border-color:rgba(120,190,32,.42)}
.orbit-two{border-color:rgba(11,45,79,.1)}
.mini-brand{background:#fff;padding:6px}
.mini-brand img{width:100%;height:100%;object-fit:contain}
.process-panel{background:linear-gradient(140deg,#082744,#0b355c)}
.process-panel:after{border-color:rgba(120,190,32,.12)}
.kicker.light{color:#b5e26f}
.final-cta{background:linear-gradient(120deg,#0b2d4f,#174e78)}
.final-cta .button-white{color:#0b2d4f}
footer{background:#071f37;color:#91a5b8}
footer small{border-left-color:#27465f}
@media(max-width:600px){.brand img{width:160px}.brand-light img{width:165px}}

/* Nosotros */
.about{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(45px,8vw,120px);background:#fff}
.about-intro h2{font-size:clamp(38px,4vw,57px);letter-spacing:-3px;margin:15px 0 0}
.about-body{padding-top:26px;max-width:620px}
.about-body p{color:var(--muted);font-size:14px;line-height:1.85;margin:0 0 20px}
.about-body .about-lead{color:var(--ink);font-size:19px;line-height:1.6;font-weight:600}
.about-body .text-link{display:inline-block;margin-top:8px;padding-bottom:4px;border-bottom:1px solid var(--orange)}
.about-values{grid-column:1/-1;display:grid;grid-template-columns:repeat(3,1fr);margin-top:12px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.about-values article{padding:32px 34px 34px;border-right:1px solid var(--line)}
.about-values article:last-child{border-right:0}
.about-values span{font-size:10px;font-weight:800;color:var(--orange);letter-spacing:1px}
.about-values h3{margin:18px 0 9px;color:var(--navy);font-size:17px}
.about-values p{margin:0;color:var(--muted);font-size:12px;line-height:1.7}
@media(max-width:900px){.about{grid-template-columns:1fr;gap:22px}.about-body{padding-top:0}.about-values{grid-template-columns:1fr}.about-values article{border-right:0;border-bottom:1px solid var(--line)}.about-values article:last-child{border-bottom:0}}
@media(max-width:600px){.about-intro h2{font-size:40px;letter-spacing:-2.5px}.about-body .about-lead{font-size:17px}.about-values article{padding:26px 22px}}

/* Convenios */
.agreements{background:var(--cream)}
.agreements-heading{display:grid;grid-template-columns:1.25fr .75fr;align-items:end;gap:clamp(45px,8vw,120px)}
.agreements-heading h2{font-size:clamp(38px,4vw,57px);letter-spacing:-3px;margin:15px 0 0;max-width:760px}
.agreements-heading>div:last-child p{color:var(--muted);font-size:14px;line-height:1.8;margin:0 0 22px}
.agreements-heading .text-link{display:inline-block;padding-bottom:4px;border-bottom:1px solid var(--orange)}
.agreement-grid{display:grid;grid-template-columns:repeat(4,1fr);margin-top:55px;background:#fff;border:1px solid var(--line)}
.agreement-grid article{min-height:390px;padding:0;border-right:1px solid var(--line);position:relative;display:flex;flex-direction:column;overflow:hidden}
.agreement-grid article:last-child{border-right:0}
.agreement-grid article>img{width:100%;height:220px;object-fit:cover;object-position:center 24%;display:block;transition:transform .35s ease}
.agreement-grid article:hover>img{transform:scale(1.025)}
.agreement-grid article>div{padding:25px 27px 28px;flex:1}
.agreement-grid article span{font-size:10px;font-weight:800;color:#a3acb7;letter-spacing:1px}
.agreement-grid h3{font-size:17px;color:var(--navy);margin:17px 0 10px}
.agreement-grid p{font-size:12px;line-height:1.75;color:var(--muted);margin:0}
.agreement-grid .agreement-featured{background:var(--navy)}
.agreement-featured h3{color:#fff}
.agreement-featured p{color:#b7c5d2}
.agreement-featured div>span{color:var(--orange)}
.agreement-note{margin:18px 0 0;color:#7f8b97;font-size:10px;line-height:1.6;max-width:900px}
.agreement-list{display:grid;grid-template-columns:.35fr 1fr;gap:clamp(34px,6vw,90px);align-items:start;margin-top:38px;padding:46px 0 12px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.agreement-list-heading{position:sticky;top:112px}
.agreement-list-heading h3{margin:15px 0 12px;color:var(--navy);font-size:clamp(24px,2.4vw,34px);line-height:1.15;letter-spacing:-1.2px}
.agreement-list-heading p{margin:0;color:var(--muted);font-size:14px;line-height:1.75}
.agreement-directory{border-top:1px solid #cad4dd}
.agreement-category{border-bottom:1px solid #cad4dd;background:transparent}
.agreement-category summary{list-style:none;cursor:pointer;min-height:76px;padding:20px 4px;display:flex;align-items:center;gap:16px;color:var(--navy);font-size:18px;font-weight:800}
.agreement-category summary::-webkit-details-marker{display:none}
.agreement-category summary span{margin-right:auto}
.agreement-category summary small{color:var(--muted);font-size:11px;font-weight:700;letter-spacing:.3px}
.agreement-category summary:after{content:"+";width:31px;height:31px;border:1px solid #b9c5cf;border-radius:50%;display:grid;place-items:center;color:var(--orange);font-size:20px;font-weight:500;transition:transform .2s ease}
.agreement-category[open] summary:after{content:"−";transform:rotate(180deg)}
.agreement-category ul{list-style:none;margin:0;padding:0 0 26px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.agreement-category li{min-height:58px;padding:14px 16px 14px 42px;position:relative;display:flex;flex-direction:column;justify-content:center;background:#fff;border:1px solid var(--line);border-radius:8px;color:var(--navy);font-size:13px;font-weight:700;line-height:1.45}
.agreement-category li:before{content:"✓";position:absolute;left:16px;top:17px;color:var(--orange);font-weight:800}
.agreement-category li strong{font-size:13px}
.agreement-category li small{display:block;margin-top:3px;color:var(--muted);font-size:11px;font-weight:500;line-height:1.45}
@media(max-width:1000px){.agreement-grid{grid-template-columns:repeat(2,1fr)}.agreement-grid article{border-bottom:1px solid var(--line)}.agreement-grid article:nth-child(2){border-right:0}}
@media(max-width:900px){.agreements-heading{grid-template-columns:1fr;align-items:start;gap:24px}.agreement-list{grid-template-columns:1fr;gap:28px}.agreement-list-heading{position:static}.agreement-category ul{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){.agreements-heading h2{font-size:40px;letter-spacing:-2.5px}.agreement-grid{grid-template-columns:1fr;margin-top:38px}.agreement-grid article{min-height:auto;border-right:0}.agreement-grid article>img{height:280px}.agreement-grid h3{margin-top:15px}.agreement-list{padding-top:34px}.agreement-category summary{min-height:70px;font-size:16px}.agreement-category summary small{font-size:10px}.agreement-category ul{grid-template-columns:1fr}.agreement-category li{font-size:13px}.agreement-category li small{font-size:11px}}
@media(prefers-reduced-motion:reduce){.agreement-grid article>img{transition:none}}

/* Nombres completos de aliados financieros */
.partner-grid div{padding:16px;color:var(--navy);font-size:15px;text-align:center}
.partner-grid strong{font-weight:800;letter-spacing:-.2px}

/* Garantía institucional */
.security{background:linear-gradient(140deg,#082744,#0b355c);color:#fff}
.security-heading{display:grid;grid-template-columns:.8fr 1.4fr 1fr;gap:clamp(28px,5vw,74px);align-items:start}
.security-heading h2{margin:0;color:#fff;font-size:clamp(34px,3.5vw,52px);letter-spacing:-2.5px}
.security-heading h2 em{color:#b5e26f}
.security-heading>p{margin:5px 0 0;color:#bfd0de;font-size:16px;line-height:1.75}
.security-points{display:grid;grid-template-columns:repeat(3,1fr);margin-top:54px;border-top:1px solid rgba(255,255,255,.17);border-bottom:1px solid rgba(255,255,255,.17)}
.security-points article{padding:30px 34px 34px;border-right:1px solid rgba(255,255,255,.17)}
.security-points article:last-child{border-right:0}
.security-points span{font-size:12px;color:#91d137;font-weight:800}
.security-points h3{margin:18px 0 10px;font-size:18px;color:#fff}
.security-points p{margin:0;color:#aebfce;font-size:14px;line-height:1.7}
.security-points a{color:#fff;font-weight:800;border-bottom:1px solid #91d137}
.security-note{max-width:940px;margin:22px 0 0;color:#91a5b8;font-size:12px;line-height:1.65}
@media(max-width:900px){.security-heading{grid-template-columns:1fr}.security-points{grid-template-columns:1fr}.security-points article{border-right:0;border-bottom:1px solid rgba(255,255,255,.17)}.security-points article:last-child{border-bottom:0}}
@media(max-width:600px){.security-heading h2{font-size:38px;letter-spacing:-2px}.security-points{margin-top:38px}.security-points article{padding:26px 22px}}

/* Redes sociales */
.social-links{display:flex;align-items:center;gap:12px;padding-left:30px;border-left:1px solid #27465f}
.social-links>span{color:#8190a5;font-size:10px;text-transform:uppercase;letter-spacing:1.2px;font-weight:800}
.social-links a{display:flex;align-items:center;gap:8px;color:#fff;font-size:12px;font-weight:700}
.social-links b{width:27px;height:27px;display:grid;place-items:center;border-radius:50%;background:#1877f2;color:#fff;font-family:Arial,sans-serif;font-size:18px}
.social-links a:hover{color:#b5e26f}
@media(max-width:900px){.social-links{padding-left:0;border-left:0}}

/* Aviso informativo */
.legal-notice{padding:22px clamp(24px,8vw,128px) 26px;background:#05172a;border-top:1px solid #203b53;color:#8295a8}
.legal-notice strong{display:block;margin-bottom:7px;color:#c2cfda;font-size:12px;text-transform:uppercase;letter-spacing:1.1px}
.legal-notice p{max-width:1400px;margin:0;font-size:12px;line-height:1.7}