/* ==========================================================================
   JFK COOPERATIVA FINANCIERA - DESIGN SYSTEM FIDUCIARIO DE ALTA GAMA
   Arquitectura CSS Pura | 100/100 Core Web Vitals | Nivel Banca Premium
   ========================================================================== */

:root {
  /* Paleta Oficial JFK - Tonalidades Fiduciarias Premium */
  --jfk-purple-deep: #2A0845;
  --jfk-purple: #4D1875;
  --jfk-purple-vivid: #642095;
  --jfk-purple-light: #F6EDFC;
  --jfk-purple-border: #E8D5F5;

  --jfk-orange: #EE6500;
  --jfk-orange-hover: #D75500;
  --jfk-orange-vivid: #FF7300;
  --jfk-orange-tint: #FFF6EF;
  --jfk-orange-border: #FFDEC4;

  --jfk-green: #1B8A44;
  --jfk-green-light: #EBF7EE;
  --jfk-green-border: #C8EACC;

  --jfk-gold: #D4A017;
  --jfk-gold-light: #FEF9E7;

  /* Neutros de Precisión Fiduciaria */
  --bg-main: #FFFFFF;
  --bg-surface: #F8FAFC;
  --bg-surface-elevated: #FFFFFF;
  --bg-surface-subtle: #F1F5F9;

  --text-headline: #0B0F19;
  --text-main: #1E293B;
  --text-body: #334155;
  --text-muted: #64748B;
  --text-faint: #94A3B8;

  --border-subtle: #EDF2F7;
  --border-light: #E2E8F0;
  --border-medium: #CBD5E1;
  --border-focus: #642095;

  /* Tipografía */
  --font-sans: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-serif: 'Newsreader', Georgia, 'Times New Roman', serif;
  --font-mono: 'JetBrains Mono', monospace;

  /* Espaciado Modular Armónico */
  --space-2: 2px;
  --space-4: 4px;
  --space-6: 6px;
  --space-8: 8px;
  --space-10: 10px;
  --space-12: 12px;
  --space-16: 16px;
  --space-20: 20px;
  --space-24: 24px;
  --space-28: 28px;
  --space-32: 32px;
  --space-40: 40px;
  --space-48: 48px;
  --space-56: 56px;
  --space-64: 64px;
  --space-80: 80px;

  /* Sombras y Elevaciones Fiduciarias */
  --shadow-xs: 0 1px 2px rgba(15, 23, 42, 0.04);
  --shadow-sm: 0 1px 3px rgba(15, 23, 42, 0.06), 0 1px 2px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 4px 12px rgba(15, 23, 42, 0.06), 0 2px 4px rgba(15, 23, 42, 0.03);
  --shadow-lg: 0 10px 24px -4px rgba(15, 23, 42, 0.08), 0 4px 8px -2px rgba(15, 23, 42, 0.03);
  --shadow-xl: 0 20px 32px -8px rgba(15, 23, 42, 0.12), 0 8px 16px -4px rgba(15, 23, 42, 0.04);
  --shadow-purple: 0 12px 28px -6px rgba(77, 24, 117, 0.22);
  --shadow-orange: 0 8px 20px -4px rgba(238, 101, 0, 0.32);

  /* Curvaturas */
  --radius-xs: 4px;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --radius-xl: 20px;
  --radius-full: 9999px;

  /* Transiciones */
  --ease-smooth: cubic-bezier(0.16, 1, 0.3, 1);
  --transition-fast: 0.15s ease;
  --transition-normal: 0.25s var(--ease-smooth);
}

/* Reset y Base Global */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-sans);
  background-color: var(--bg-main);
  color: var(--text-body);
  line-height: 1.65;
  font-size: 16px;
  overflow-x: hidden;
}

.container {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--space-24);
  padding-right: var(--space-24);
}

.container-inner {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
}

/* ==========================================================================
   1. BARRA SUPERIOR INSTITUCIONAL (TOP UTILITY BAR)
   ========================================================================== */
.top-utility-bar {
  background-color: var(--jfk-purple-deep);
  color: #FFFFFF;
  font-size: 0.8125rem;
  padding: var(--space-8) 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  position: relative;
  z-index: 101;
}

.utility-flex {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-12);
}

.utility-left {
  display: flex;
  align-items: center;
  gap: var(--space-16);
  flex-wrap: wrap;
}

.utility-badge-fogacoop {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255, 255, 255, 0.1);
  padding: 3px 12px;
  border-radius: var(--radius-full);
  font-weight: 600;
  letter-spacing: 0.02em;
  font-size: 0.78rem;
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.utility-badge-fogacoop strong {
  color: #FFD166;
  font-weight: 800;
}

.utility-right {
  display: flex;
  align-items: center;
  gap: var(--space-20);
}

.utility-link {
  color: #E2E8F0;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: 0.8rem;
  transition: color var(--transition-fast);
}

.utility-link:hover {
  color: #FFFFFF;
}

/* ==========================================================================
   2. HEADER PRINCIPAL Y NAVEGACIÓN DE ALTA FIDELIDAD
   ========================================================================== */
.main-header {
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-light);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 3px rgba(15, 23, 42, 0.04);
  transition: box-shadow var(--transition-normal);
}

.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--space-12) 0;
  min-height: 72px;
}

.brand-logo {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
  transition: opacity var(--transition-fast);
}

.brand-logo:hover {
  opacity: 0.92;
}

.brand-logo svg, .brand-logo img {
  height: 48px;
  width: auto;
  display: block;
}

.main-nav {
  display: flex;
  align-items: center;
}

.main-nav-menu {
  display: flex;
  align-items: center;
  gap: var(--space-28);
  list-style: none;
}

.nav-item-link {
  color: var(--text-main);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.9375rem;
  padding: var(--space-8) 0;
  position: relative;
  transition: color var(--transition-fast);
  letter-spacing: -0.01em;
}

.nav-item-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2px;
  background-color: var(--jfk-orange);
  transform: scaleX(0);
  transform-origin: right;
  transition: transform 0.25s var(--ease-smooth);
}

.nav-item-link:hover {
  color: var(--jfk-purple);
}

.nav-item-link:hover::after,
.nav-item-link.active::after {
  transform: scaleX(1);
  transform-origin: left;
}

.nav-item-link.active {
  color: var(--jfk-purple);
  font-weight: 700;
}

.header-action-buttons {
  display: flex;
  align-items: center;
  gap: var(--space-12);
}

/* ==========================================================================
   BOTONES INSTITUCIONALES DE ALTO RENDIMIENTO
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-8);
  padding: 10px 20px;
  font-size: 0.9375rem;
  font-weight: 700;
  border-radius: var(--radius-md);
  text-decoration: none;
  cursor: pointer;
  transition: all var(--transition-normal);
  border: 1px solid transparent;
  line-height: 1.25;
  letter-spacing: -0.01em;
  white-space: nowrap;
}

.btn-icon {
  flex-shrink: 0;
}

.btn-jfk-primary {
  background: linear-gradient(135deg, var(--jfk-purple) 0%, var(--jfk-purple-deep) 100%);
  color: #FFFFFF;
  border-color: var(--jfk-purple-deep);
  box-shadow: 0 4px 14px rgba(77, 24, 117, 0.24);
}

.btn-jfk-primary:hover {
  background: linear-gradient(135deg, var(--jfk-purple-vivid) 0%, var(--jfk-purple) 100%);
  transform: translateY(-1px);
  box-shadow: var(--shadow-purple);
  color: #FFFFFF;
}

.btn-jfk-primary:active {
  transform: translateY(0);
  box-shadow: var(--shadow-sm);
}

.btn-jfk-secondary {
  background-color: #FFFFFF;
  color: var(--jfk-purple);
  border-color: var(--border-medium);
  box-shadow: var(--shadow-xs);
}

.btn-jfk-secondary:hover {
  background-color: var(--jfk-purple-light);
  border-color: var(--jfk-purple-border);
  color: var(--jfk-purple-deep);
  transform: translateY(-1px);
}

.btn-jfk-orange {
  background: linear-gradient(135deg, var(--jfk-orange) 0%, #D75500 100%);
  color: #FFFFFF;
  border-color: #D75500;
  box-shadow: var(--shadow-orange);
}

.btn-jfk-orange:hover {
  background: linear-gradient(135deg, var(--jfk-orange-vivid) 0%, var(--jfk-orange) 100%);
  transform: translateY(-1px);
  box-shadow: 0 10px 24px -2px rgba(238, 101, 0, 0.42);
  color: #FFFFFF;
}

.btn-jfk-block {
  display: flex;
  width: 100%;
  background: linear-gradient(135deg, var(--jfk-purple) 0%, var(--jfk-purple-deep) 100%);
  color: #FFFFFF;
  padding: 14px 20px;
  font-size: 1rem;
  border-radius: var(--radius-md);
  border: none;
  box-shadow: var(--shadow-purple);
}

.btn-jfk-block:hover {
  background: linear-gradient(135deg, var(--jfk-purple-vivid) 0%, var(--jfk-purple) 100%);
  transform: translateY(-1px);
  color: #FFFFFF;
}

.btn-outline-white {
  background-color: transparent;
  color: #FFFFFF;
  border: 1.5px solid rgba(255, 255, 255, 0.85);
}

.btn-outline-white:hover {
  background-color: rgba(255, 255, 255, 0.15);
  border-color: #FFFFFF;
  color: #FFFFFF;
}

.btn-outline-dark {
  background-color: #FFFFFF;
  color: var(--text-main);
  border: 1.5px solid var(--border-medium);
}

.btn-outline-dark:hover {
  background-color: var(--bg-surface-subtle);
  border-color: var(--text-main);
  color: var(--text-headline);
}

/* ==========================================================================
   3. HERO PRINCIPAL & SIMULADOR REACTIVO
   ========================================================================== */
.hero-section-wrapper {
  background: 
    radial-gradient(ellipse at 85% 15%, rgba(238, 101, 0, 0.04) 0%, transparent 60%),
    radial-gradient(ellipse at 15% 90%, rgba(77, 24, 117, 0.03) 0%, transparent 50%),
    #FFFFFF;
  padding: var(--space-48) 0 var(--space-64) 0;
  border-bottom: 1px solid var(--border-light);
  position: relative;
}

.financial-hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: var(--space-48);
  align-items: center;
}

.hero-content-col {
  padding-right: var(--space-12);
}

.institutional-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: var(--space-8);
  background-color: var(--jfk-purple-light);
  color: var(--jfk-purple);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  padding: 5px 14px;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-20);
  border: 1px solid var(--jfk-purple-border);
}

.pill-dot {
  width: 7px;
  height: 7px;
  background-color: var(--jfk-green);
  border-radius: 50%;
  display: inline-block;
  box-shadow: 0 0 0 3px rgba(27, 138, 68, 0.2);
}

.hero-main-title {
  font-family: var(--font-serif);
  font-size: clamp(2.1rem, 3.8vw, 3.15rem);
  font-weight: 700;
  color: var(--text-headline);
  line-height: 1.16;
  margin-bottom: var(--space-20);
  letter-spacing: -0.025em;
}

.hero-editorial-lead {
  font-size: 1.125rem;
  color: var(--text-body);
  line-height: 1.7;
  margin-bottom: var(--space-32);
}

.hero-editorial-lead strong {
  color: var(--text-headline);
  font-weight: 700;
}

.hero-actions-cluster {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-16);
  margin-bottom: var(--space-40);
}

.hero-trust-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-20);
  padding-top: var(--space-28);
  border-top: 1px solid var(--border-light);
}

.trust-item {
  display: flex;
  flex-direction: column;
}

.trust-value {
  font-family: var(--font-mono);
  font-size: 1.55rem;
  font-weight: 800;
  color: var(--jfk-purple);
  line-height: 1.15;
  letter-spacing: -0.03em;
}

.trust-label {
  font-size: 0.78rem;
  color: var(--text-muted);
  font-weight: 600;
  line-height: 1.35;
  margin-top: 4px;
}

/* TARJETA DEL SIMULADOR FINANCIERO */
.hero-simulator-col {
  position: relative;
}

.financial-simulator-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  position: relative;
  transition: box-shadow var(--transition-normal);
}

.financial-simulator-card:hover {
  box-shadow: 0 24px 44px -8px rgba(15, 23, 42, 0.14);
}

.sim-header {
  background: linear-gradient(135deg, var(--jfk-purple) 0%, var(--jfk-purple-deep) 100%);
  color: #FFFFFF;
  padding: var(--space-20) var(--space-28);
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 3px solid var(--jfk-orange);
}

.sim-eyebrow {
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  color: #FFD166;
  text-transform: uppercase;
  display: block;
  margin-bottom: 2px;
}

.sim-title {
  font-size: 1.25rem;
  font-weight: 800;
  margin: 0;
  color: #FFFFFF;
  letter-spacing: -0.02em;
}

.sim-tag {
  background: rgba(255, 255, 255, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.25);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: var(--radius-full);
}

.sim-body {
  padding: var(--space-28);
}

.form-group-financial {
  margin-bottom: var(--space-20);
}

.field-label {
  display: block;
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: var(--space-6);
  letter-spacing: -0.01em;
}

.field-select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border-medium);
  border-radius: var(--radius-md);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--text-headline);
  background-color: #FFFFFF;
  cursor: pointer;
  outline: none;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.field-select:focus {
  border-color: var(--jfk-purple);
  box-shadow: 0 0 0 3px rgba(77, 24, 117, 0.12);
}

.range-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--space-8);
}

.range-live-value {
  font-family: var(--font-mono);
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--jfk-purple);
  letter-spacing: -0.02em;
}

.field-range {
  width: 100%;
  accent-color: var(--jfk-orange);
  cursor: pointer;
  height: 8px;
  border-radius: var(--radius-full);
}

.range-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--text-muted);
  font-family: var(--font-mono);
  margin-top: 6px;
}

.sim-result-box {
  background: linear-gradient(180deg, var(--bg-surface) 0%, #FFFFFF 100%);
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: var(--space-20);
  margin-bottom: var(--space-20);
  box-shadow: var(--shadow-xs);
}

.result-row-primary {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding-bottom: var(--space-12);
  border-bottom: 1px dashed var(--border-medium);
  margin-bottom: var(--space-12);
}

.result-concept {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-body);
}

.result-figure {
  font-family: var(--font-mono);
  font-size: 1.55rem;
  font-weight: 900;
  color: var(--jfk-orange);
  letter-spacing: -0.03em;
}

.result-details-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
}

.detail-cell {
  display: flex;
  flex-direction: column;
}

.detail-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  font-weight: 600;
}

.detail-value {
  font-family: var(--font-mono);
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-main);
  margin-top: 2px;
}

.highlight-free {
  color: var(--jfk-green);
  font-weight: 800;
}

.sim-disclaimer {
  font-size: 0.72rem;
  color: var(--text-muted);
  line-height: 1.45;
  margin-top: var(--space-12);
  border-top: 1px solid var(--border-subtle);
  padding-top: var(--space-8);
}

/* ==========================================================================
   4. BLOQUES EDITORIALES Y PRODUCTOS FINANCIEROS
   ========================================================================== */
.section-editorial-block {
  padding: var(--space-64) 0;
}

.section-lead-header {
  max-width: 820px;
  margin-bottom: var(--space-48);
}

.category-eyebrow {
  font-size: 0.78rem;
  font-weight: 800;
  color: var(--jfk-orange);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  display: block;
  margin-bottom: var(--space-8);
}

.section-heading {
  font-family: var(--font-serif);
  font-size: clamp(1.85rem, 3.2vw, 2.6rem);
  font-weight: 700;
  color: var(--text-headline);
  line-height: 1.22;
  margin-bottom: var(--space-12);
  letter-spacing: -0.02em;
}

.section-description {
  font-size: 1.08rem;
  color: var(--text-body);
  line-height: 1.65;
}

.products-financial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
  gap: var(--space-28);
}

.product-financial-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: var(--space-32);
  position: relative;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s var(--ease-smooth), box-shadow 0.3s var(--ease-smooth), border-color 0.3s var(--ease-smooth);
}

.product-financial-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-xl);
  border-color: var(--jfk-purple-border);
}

.product-financial-card.highlight-border {
  border: 2px solid var(--jfk-orange);
  box-shadow: 0 8px 24px rgba(238, 101, 0, 0.08);
}

.card-status-pill {
  position: absolute;
  top: var(--space-24);
  right: var(--space-24);
  background-color: var(--jfk-purple-light);
  color: var(--jfk-purple);
  font-size: 0.72rem;
  font-weight: 800;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  border: 1px solid var(--jfk-purple-border);
  letter-spacing: 0.02em;
}

.pill-orange {
  background-color: var(--jfk-orange-tint);
  color: var(--jfk-orange);
  border-color: var(--jfk-orange-border);
}

.card-icon-wrap {
  width: 56px;
  height: 56px;
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-20);
  transition: transform var(--transition-fast), background-color var(--transition-fast);
}

.product-financial-card:hover .card-icon-wrap {
  transform: scale(1.05);
  background-color: var(--jfk-purple-light);
  border-color: var(--jfk-purple-border);
}

.card-product-title {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--text-headline);
  margin-bottom: var(--space-8);
  letter-spacing: -0.015em;
}

.card-product-lead {
  font-size: 0.95rem;
  color: var(--text-body);
  margin-bottom: var(--space-20);
  flex-grow: 1;
  line-height: 1.6;
}

.card-feature-list {
  list-style: none;
  font-size: 0.88rem;
  border-top: 1px solid var(--border-subtle);
  padding-top: var(--space-16);
  margin-bottom: var(--space-24);
}

.card-feature-list li {
  margin-bottom: var(--space-8);
  padding-left: 20px;
  position: relative;
  line-height: 1.5;
}

.card-feature-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--jfk-green);
  font-weight: 900;
  font-size: 0.88rem;
}

.card-footer-action {
  margin-top: auto;
  padding-top: var(--space-12);
  border-top: 1px solid var(--border-subtle);
}

.card-action-link {
  font-weight: 700;
  font-size: 0.9375rem;
  color: var(--jfk-purple);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--transition-fast), color var(--transition-fast);
}

.card-action-link:hover {
  gap: 10px;
  color: var(--jfk-purple-deep);
}

.link-orange {
  color: var(--jfk-orange);
}

.link-orange:hover {
  color: var(--jfk-orange-hover);
}

/* ==========================================================================
   5. CANALES TRANSACCIONALES
   ========================================================================== */
.section-channels-block {
  background-color: var(--bg-surface);
  padding: var(--space-64) 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.channels-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-32);
}

.channel-card {
  border-radius: var(--radius-xl);
  padding: var(--space-48);
  box-shadow: var(--shadow-lg);
  display: flex;
  flex-direction: column;
  position: relative;
}

.primary-channel {
  background: linear-gradient(145deg, var(--jfk-purple) 0%, var(--jfk-purple-deep) 100%);
  color: #FFFFFF;
}

.primary-channel .channel-eyebrow {
  color: #FFD166;
}

.primary-channel .channel-title {
  color: #FFFFFF;
}

.primary-channel .channel-desc {
  color: #E2E8F0;
}

.pse-channel {
  background-color: #FFFFFF;
  border: 1px solid var(--border-medium);
  border-top: 4px solid var(--jfk-orange);
}

.channel-eyebrow {
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  display: block;
  margin-bottom: var(--space-10);
}

.channel-title {
  font-size: 1.65rem;
  font-weight: 800;
  line-height: 1.25;
  margin-bottom: var(--space-16);
  letter-spacing: -0.02em;
}

.channel-desc {
  font-size: 1rem;
  line-height: 1.65;
  margin-bottom: var(--space-24);
}

.channel-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-10);
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: var(--space-32);
}

.cf-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.channel-btn-group {
  display: flex;
  gap: var(--space-12);
  flex-wrap: wrap;
  margin-top: auto;
}

/* ==========================================================================
   6. DIRECTORIO DE AGENCIAS Y FILTROS
   ========================================================================== */
.agencies-overview-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-24);
}

.region-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: var(--space-28);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}

.region-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.region-badge {
  display: inline-block;
  background-color: var(--jfk-purple-light);
  color: var(--jfk-purple);
  font-size: 0.75rem;
  font-weight: 800;
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  margin-bottom: var(--space-16);
}

.region-title {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--text-headline);
  margin-bottom: var(--space-8);
  letter-spacing: -0.015em;
}

.region-desc {
  font-size: 0.95rem;
  color: var(--text-body);
  margin-bottom: var(--space-20);
  line-height: 1.6;
}

.region-link {
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--jfk-purple);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}

.region-link:hover {
  text-decoration: underline;
}

.agency-filter-bar {
  display: flex;
  gap: var(--space-12);
  margin-bottom: var(--space-32);
  flex-wrap: wrap;
}

.agency-tab-btn {
  padding: 10px 20px;
  border: 1.5px solid var(--border-medium);
  background-color: #FFFFFF;
  color: var(--text-main);
  font-weight: 700;
  font-size: 0.92rem;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.agency-tab-btn.active, .agency-tab-btn:hover {
  background-color: var(--jfk-purple);
  color: #FFFFFF;
  border-color: var(--jfk-purple);
  box-shadow: 0 4px 12px rgba(77, 24, 117, 0.2);
}

.agencies-directory-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(350px, 1fr));
  gap: var(--space-24);
}

.agency-card-item {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: var(--space-24);
  box-shadow: var(--shadow-xs);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.agency-card-item:hover {
  border-color: var(--jfk-purple-border);
  box-shadow: var(--shadow-md);
}

.agency-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: var(--space-12);
  padding-bottom: var(--space-8);
  border-bottom: 1px solid var(--border-subtle);
}

.agency-header h3 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--jfk-purple-deep);
}

.badge-city {
  background-color: var(--bg-surface-subtle);
  color: var(--text-muted);
  font-size: 0.72rem;
  font-weight: 800;
  padding: 3px 8px;
  border-radius: var(--radius-xs);
}

.badge-oriente {
  background-color: var(--jfk-green-light);
  color: var(--jfk-green);
}

.badge-bogota {
  background-color: var(--jfk-orange-tint);
  color: var(--jfk-orange);
}

.agency-address, .agency-hours, .agency-phone {
  font-size: 0.9rem;
  color: var(--text-body);
  margin-bottom: var(--space-6);
  line-height: 1.5;
}

/* ==========================================================================
   7. TESTIMONIOS REALES Y ASOCIATIVIDAD
   ========================================================================== */
.section-testimonials-block {
  padding: var(--space-64) 0;
  background-color: var(--bg-surface);
  border-top: 1px solid var(--border-light);
}

.testimonials-editorial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-28);
}

.testimonial-editorial-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: var(--space-32);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  position: relative;
}

.testimonial-stars {
  color: #F59E0B;
  font-size: 1.15rem;
  margin-bottom: var(--space-16);
  letter-spacing: 2px;
}

.testimonial-text {
  font-size: 0.98rem;
  font-style: italic;
  line-height: 1.7;
  color: var(--text-body);
  margin-bottom: var(--space-24);
  flex-grow: 1;
}

.testimonial-author {
  border-top: 1px solid var(--border-light);
  padding-top: var(--space-16);
  display: flex;
  flex-direction: column;
}

.testimonial-author strong {
  font-size: 0.95rem;
  color: var(--text-headline);
  font-weight: 700;
}

.testimonial-author span {
  font-size: 0.8125rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* ==========================================================================
   8. PREGUNTAS FRECUENTES (FAQPage ACCORDION)
   ========================================================================== */
.section-faq-block {
  padding: var(--space-64) 0;
}

.faq-accordion-container {
  max-width: 900px;
}

.faq-accordion-item {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-12);
  overflow: hidden;
  box-shadow: var(--shadow-xs);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.faq-accordion-item[open] {
  border-color: var(--jfk-purple);
  box-shadow: var(--shadow-md);
}

.faq-accordion-summary {
  padding: var(--space-20) var(--space-24);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--text-headline);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  list-style: none;
  user-select: none;
}

.faq-accordion-summary::-webkit-details-marker {
  display: none;
}

.faq-icon {
  font-size: 1.3rem;
  color: var(--jfk-purple);
  font-weight: 800;
  transition: transform var(--transition-fast);
}

.faq-accordion-item[open] .faq-icon {
  transform: rotate(45deg);
}

.faq-accordion-content {
  padding: 0 var(--space-24) var(--space-24) var(--space-24);
  font-size: 0.98rem;
  line-height: 1.7;
  color: var(--text-body);
}

/* ==========================================================================
   9. ARTÍCULOS Y PÁGINAS INTERNAS
   ========================================================================== */
.article-content-container {
  max-width: 880px;
  margin: 0 auto;
  padding: var(--space-56) var(--space-20);
}

.article-header-meta {
  margin-bottom: var(--space-32);
  padding-bottom: var(--space-24);
  border-bottom: 1px solid var(--border-light);
}

.article-main-title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 3.4vw, 2.75rem);
  font-weight: 700;
  color: var(--text-headline);
  line-height: 1.2;
  margin-top: var(--space-8);
  margin-bottom: var(--space-16);
  letter-spacing: -0.02em;
}

.article-lead {
  font-size: 1.15rem;
  line-height: 1.7;
  color: var(--text-body);
}

.article-content-container h2 {
  font-family: var(--font-serif);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--jfk-purple-deep);
  margin-top: var(--space-48);
  margin-bottom: var(--space-16);
  letter-spacing: -0.015em;
}

.article-content-container p {
  margin-bottom: var(--space-20);
  font-size: 1.05rem;
  line-height: 1.75;
}

.article-content-container ul, .article-content-container ol {
  margin-bottom: var(--space-28);
  padding-left: var(--space-24);
  font-size: 1.02rem;
}

.article-content-container li {
  margin-bottom: var(--space-10);
  line-height: 1.65;
}

.callout-financial-box {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-left: 4px solid var(--jfk-purple);
  padding: var(--space-28);
  border-radius: var(--radius-lg);
  margin: var(--space-32) 0;
  box-shadow: var(--shadow-sm);
}

.callout-highlight {
  background-color: var(--jfk-purple-light);
  border-color: var(--jfk-purple-border);
  border-left-color: var(--jfk-purple);
}

.callout-header {
  display: flex;
  align-items: center;
  gap: var(--space-10);
  margin-bottom: var(--space-10);
  font-size: 1.05rem;
  color: var(--jfk-purple-deep);
}

.editorial-table-wrapper {
  overflow-x: auto;
  margin: var(--space-32) 0;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
}

.editorial-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9375rem;
  background-color: #FFFFFF;
}

.editorial-table th {
  background-color: var(--bg-surface);
  color: var(--text-headline);
  padding: var(--space-16) var(--space-20);
  text-align: left;
  border-bottom: 2px solid var(--border-medium);
  font-weight: 700;
}

.editorial-table td {
  padding: var(--space-16) var(--space-20);
  border-bottom: 1px solid var(--border-light);
}

.badge-free {
  background-color: var(--jfk-green-light);
  color: var(--jfk-green);
  font-weight: 800;
  padding: 4px 10px;
  border-radius: var(--radius-sm);
}

.stats-key-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-16);
  margin: var(--space-36) 0;
}

.stat-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: var(--space-20);
  text-align: center;
  box-shadow: var(--shadow-xs);
}

.stat-num {
  font-family: var(--font-mono);
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--jfk-purple);
  display: block;
}

.stat-desc {
  font-size: 0.78rem;
  color: var(--text-muted);
  font-weight: 600;
  margin-top: 4px;
}

/* ==========================================================================
   10. FOOTER INSTITUCIONAL DE GRADO BANCARIO
   ========================================================================== */
.institutional-footer {
  background-color: var(--jfk-purple-deep);
  color: #FFFFFF;
  padding-top: var(--space-64);
  border-top: 4px solid var(--jfk-orange);
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: var(--space-40);
  padding-bottom: var(--space-48);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-col-title {
  font-size: 0.95rem;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: var(--space-20);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.footer-col-desc {
  font-size: 0.9rem;
  color: #CBD5E1;
  line-height: 1.65;
  margin-bottom: var(--space-20);
}

.footer-nav-list {
  list-style: none;
  font-size: 0.9rem;
}

.footer-nav-list li {
  margin-bottom: var(--space-10);
}

.footer-nav-list a {
  color: #CBD5E1;
  text-decoration: none;
  transition: color var(--transition-fast);
}

.footer-nav-list a:hover {
  color: #FFFFFF;
  text-decoration: underline;
}

.footer-trust-badges-box {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-lg);
  padding: var(--space-16);
}

.trust-badge-row {
  display: flex;
  align-items: center;
  gap: var(--space-12);
  margin-bottom: var(--space-12);
}

.trust-badge-row:last-child {
  margin-bottom: 0;
}

.badge-text-group {
  display: flex;
  flex-direction: column;
}

.badge-main-text {
  font-size: 0.85rem;
  font-weight: 800;
  color: #FFFFFF;
}

.badge-sub-text {
  font-size: 0.75rem;
  color: #94A3B8;
}

.footer-bottom-legal {
  padding: var(--space-24) 0;
  font-size: 0.8rem;
  color: #94A3B8;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-16);
}

.footer-legal-links {
  display: flex;
  gap: var(--space-20);
}

.footer-legal-links a {
  color: #94A3B8;
  text-decoration: none;
  transition: color var(--transition-fast);
}

.footer-legal-links a:hover {
  color: #FFFFFF;
  text-decoration: underline;
}

/* ==========================================================================
   11. RESPONSIVE DESIGN (MOBILE-FIRST)
   ========================================================================== */
@media (max-width: 1024px) {
  .financial-hero-grid {
    grid-template-columns: 1fr;
    gap: var(--space-36);
  }
  .channels-grid {
    grid-template-columns: 1fr;
  }
  .footer-top-grid {
    grid-template-columns: 1fr 1fr;
  }
  .testimonials-editorial-grid {
    grid-template-columns: 1fr;
  }
  .agencies-overview-cards {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .main-nav-menu {
    display: none;
  }
  .utility-flex {
    flex-direction: column;
    align-items: flex-start;
  }
  .utility-right {
    flex-wrap: wrap;
    gap: var(--space-12);
  }
  .footer-top-grid {
    grid-template-columns: 1fr;
  }
  .hero-trust-bar {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-16);
  }
  .stats-key-grid {
    grid-template-columns: 1fr 1fr;
  }
  .header-inner {
    flex-wrap: wrap;
    gap: var(--space-12);
  }
  .header-action-buttons {
    margin-left: auto;
  }
  .sim-body {
    padding: var(--space-20);
  }
  .sim-header {
    padding: var(--space-16) var(--space-20);
  }
  .channel-card {
    padding: var(--space-28);
  }
}