/* ===== SAC Latacunga — estilos generales ===== */
:root{
  --navy:#17336A;
  --navy-deep:#0E2248;
  --gold:#F2A900;
  --orange:#E57A1F;
  --sky:#EAF3FA;
  --ink:#1C2433;
  --muted:#566174;
  --white:#FFFFFF;
  --line:#D6E2EE;
  --green:#1F9D55;
  --display:"Bricolage Grotesque","Trebuchet MS",sans-serif;
  --body:"Figtree","Segoe UI",Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--body);color:var(--ink);background:var(--white);font-size:17px;line-height:1.6;padding-bottom:env(safe-area-inset-bottom,0px)}
img{max-width:100%;display:block}
a{color:inherit}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.wrap{width:min(1140px,100% - 40px);margin-inline:auto}
.skip{position:absolute;left:-9999px;top:8px;background:var(--gold);color:var(--navy-deep);padding:10px 16px;border-radius:8px;z-index:100;font-weight:600}
.skip:focus{left:12px}

/* ----- Botones ----- */
.btn{display:inline-block;padding:13px 24px;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid transparent;transition:background .2s,color .2s;cursor:pointer;font-family:inherit;font-size:16px;line-height:1.3}
.btn-gold{background:var(--gold);color:var(--navy-deep)}
.btn-gold:hover{background:#FFBC1F}
.btn-line{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-line:hover{background:var(--navy);color:var(--white)}
.btn-white{border-color:var(--white);color:var(--white);background:transparent}
.btn-white:hover{background:var(--white);color:var(--navy)}
.actions{display:flex;gap:14px;flex-wrap:wrap}

/* ----- Encabezado ----- */
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);padding-top:env(safe-area-inset-top,0px)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:20px}
.brand img{height:50px;width:auto}
.menu{display:flex;align-items:center;gap:6px;list-style:none}
.menu > li{position:relative}
.menu a,.menu .drop-btn{display:block;padding:10px 14px;border-radius:10px;text-decoration:none;font-weight:500;color:var(--ink);background:none;border:0;font:inherit;font-weight:500;cursor:pointer}
.menu a:hover,.menu .drop-btn:hover{color:var(--navy);background:var(--sky)}
.menu a[aria-current="page"]{color:var(--navy);font-weight:600}
.drop-btn::after{content:"";display:inline-block;width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-left:8px;position:relative;top:-3px}
.drop{position:absolute;top:calc(100% + 6px);left:0;min-width:250px;background:var(--white);border:1px solid var(--line);border-radius:14px;box-shadow:0 14px 34px rgba(23,51,106,.14);padding:8px;list-style:none;display:none}
.drop.open{display:block}
.drop a{padding:10px 12px}
.drop small{display:block;color:var(--muted);font-size:13px;font-weight:400}
.menu-toggle{display:none;background:var(--navy);color:var(--white);border:0;border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center}
.menu-toggle span,.menu-toggle span::before,.menu-toggle span::after{display:block;width:20px;height:2px;background:currentColor;position:relative;content:""}
.menu-toggle span::before{position:absolute;top:-6px}
.menu-toggle span::after{position:absolute;top:6px}
.nav-cta{white-space:nowrap}

/* ----- Tipografía de secciones ----- */
section{padding:92px 0}
.head{max-width:680px;margin-bottom:44px}
.head h2,.page-hero h1{font-family:var(--display);font-weight:800;color:var(--navy);line-height:1.08;letter-spacing:-.015em}
.head h2{font-size:clamp(30px,3.6vw,44px)}
.head p{color:var(--muted);margin-top:12px;font-size:18px}
.bg-sky{background:var(--sky)}
.bg-navy{background:var(--navy);color:var(--white)}
.bg-navy .head h2{color:var(--white)}
.bg-navy .head p{color:#C9D6EA}
.prose p+p{margin-top:14px}
.prose p{max-width:62ch}

/* ----- Hero de inicio ----- */
.hero{background:var(--sky);overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding:80px 0 92px}
.hero h1{font-family:var(--display);font-weight:800;color:var(--navy);font-size:clamp(38px,5.4vw,64px);line-height:1.04;letter-spacing:-.02em;max-width:13ch}
.hero .lead{font-size:19px;color:var(--muted);margin:22px 0 32px;max-width:44ch}
.hero-art{position:relative;width:100%;max-width:440px;aspect-ratio:1;justify-self:center;margin-top:40px}
.hero-art .circle,.hero-art .clip{position:absolute;inset:0;border-radius:50%}
.hero-art .circle{background:var(--white)}
.hero-art .clip{overflow:hidden}
.hero-art img{position:absolute;left:50%;bottom:0;transform:translateX(-50%);width:70%;height:auto;max-width:none}
.hero-art .pop{clip-path:inset(0 0 55% 0);pointer-events:none}
.visit-card{position:absolute;z-index:3;left:-24px;bottom:28px;background:var(--white);border-radius:16px;padding:16px 20px 14px;box-shadow:0 12px 30px rgba(23,51,106,.16);width:260px;text-decoration:none;display:block}
.visit-card:hover strong{text-decoration:underline}
.rot{min-height:80px;transition:opacity .35s,transform .35s}
.rot.out{opacity:0;transform:translateY(6px)}
.visit-card strong{display:block;font-family:var(--display);color:var(--navy);font-size:18px}
.visit-card span{font-size:14px;color:var(--muted);line-height:1.45;display:block;margin-top:2px}
.dots{display:flex;gap:6px;margin-top:8px}
.dots i{width:6px;height:6px;border-radius:50%;background:var(--line);transition:all .3s}
.dots i.on{background:var(--gold);width:18px;border-radius:3px}

/* ----- Hero de páginas internas ----- */
.page-hero{background:var(--sky);padding:64px 0 72px}
.page-hero .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:14px}
.crumbs a{text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.page-hero h1{font-size:clamp(34px,4.6vw,56px);max-width:16ch}
.page-hero .lead{font-size:19px;color:var(--muted);margin:18px 0 28px;max-width:48ch}
.fact{background:var(--white);border-radius:24px;padding:32px;border:1px solid var(--line)}
.fact .big{font-family:var(--display);font-weight:800;color:var(--navy);font-size:clamp(52px,7vw,84px);line-height:1}
.fact .big small{font-size:.4em;color:var(--orange);margin-left:6px}
.fact p{color:var(--muted);margin-top:10px}

/* ----- Servicios (tarjetas de inicio) ----- */
.services{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line)}
.service{display:block;text-decoration:none;padding:32px 28px 36px;border-bottom:1px solid var(--line);border-right:1px solid var(--line);transition:background .2s}
.service:nth-child(3n){border-right:0}
.service:hover{background:var(--sky)}
.service .icon{width:44px;height:44px;margin-bottom:18px;color:var(--orange)}
.service h3{font-family:var(--display);font-weight:600;color:var(--navy);font-size:23px;margin-bottom:8px}
.service p{color:var(--muted);font-size:16px}
.service .more{display:inline-block;margin-top:14px;font-weight:600;color:var(--navy);font-size:15px;border-bottom:2px solid var(--gold)}
.service.star{background:var(--navy)}
.service.star h3{color:var(--gold)}
.service.star p{color:#C9D6EA}
.service.star .more{color:var(--white)}
.service.star .icon{color:var(--gold)}
.service.star:hover{background:var(--navy-deep)}
.tag{display:inline-block;background:var(--gold);color:var(--navy-deep);font-size:12px;font-weight:600;padding:3px 10px;border-radius:999px;margin-bottom:12px}

/* ----- Banda Poli Puntos ----- */
.band{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.gauge{max-width:420px;width:100%;justify-self:center}
.gauge text{font-family:var(--display)}
.band h2{font-family:var(--display);font-weight:800;font-size:clamp(30px,3.6vw,46px);line-height:1.08;letter-spacing:-.015em}
.band p{color:#C9D6EA;margin:16px 0 28px;max-width:48ch;font-size:18px}
.bg-sky .band h2{color:var(--navy)}
.bg-sky .band p{color:var(--muted)}

/* ----- Pasos (secuencias reales) ----- */
.steps{display:grid;grid-template-columns:repeat(var(--n,3),1fr);gap:36px;list-style:none;counter-reset:step}
.steps li{counter-increment:step;border-top:3px solid var(--gold);padding-top:22px}
.steps li::before{content:counter(step);font-family:var(--display);font-weight:800;font-size:44px;color:var(--gold);display:block;line-height:1;margin-bottom:12px}
.steps h3{font-family:var(--display);font-weight:600;font-size:21px;margin-bottom:6px;color:var(--navy)}
.steps p{color:var(--muted)}
.bg-navy .steps h3{color:var(--white)}
.bg-navy .steps p{color:#C9D6EA}
.steps.four{--n:4}

/* ----- Listas de requisitos y beneficios ----- */
.two{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.box{background:var(--white);border:1px solid var(--line);border-radius:20px;padding:32px}
.bg-sky .box{border-color:transparent}
.box h3{font-family:var(--display);font-weight:600;color:var(--navy);font-size:24px;margin-bottom:16px}
.checks{list-style:none;display:grid;gap:12px}
.checks li{position:relative;padding-left:34px}
.checks li::before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;border-radius:50%;background:var(--gold)}
.checks li::after{content:"";position:absolute;left:7px;top:8px;width:5px;height:9px;border-right:2px solid var(--navy-deep);border-bottom:2px solid var(--navy-deep);transform:rotate(45deg)}
.note{font-size:15px;color:var(--muted);margin-top:16px}

/* ----- Opciones de pago (microcrédito) ----- */
.freq{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.freq div{background:var(--white);border-radius:20px;padding:28px;border:2px solid var(--line)}
.freq div:nth-child(2){border-color:var(--gold)}
.freq strong{display:block;font-family:var(--display);font-size:26px;color:var(--navy)}
.freq p{color:var(--muted);font-size:16px;margin-top:6px}

/* ----- Simulador ----- */
.sim{background:var(--white);border-radius:24px;padding:32px;border:1px solid var(--line);display:grid;gap:20px}
.sim label{display:block;font-weight:600;color:var(--navy);margin-bottom:6px}
.sim input,.sim select{width:100%;font:inherit;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;background:var(--white);color:var(--ink)}
.sim input:focus,.sim select:focus{border-color:var(--navy);outline:none;box-shadow:0 0 0 3px rgba(242,169,0,.35)}
.sim-out{background:var(--navy);color:var(--white);border-radius:16px;padding:22px 24px;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.sim-out span{display:block;font-size:14px;color:#C9D6EA}
.sim-out strong{font-family:var(--display);font-size:28px;font-weight:800}
.sim-out .gold{color:var(--gold)}

/* ----- Flyer / imágenes ----- */
.flyer{border-radius:20px;overflow:hidden;box-shadow:0 18px 40px rgba(23,51,106,.18);max-width:420px;justify-self:center}
.photo{border-radius:24px;overflow:hidden}

/* ----- Testimonios ----- */
.testimonials{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.quote{background:var(--sky);border-radius:20px;padding:32px;display:flex;flex-direction:column;justify-content:space-between;gap:28px}
.bg-sky .quote{background:var(--white)}
.quote blockquote::before{content:"\201C";display:block;font-family:var(--display);font-size:60px;line-height:.6;color:var(--orange);margin-bottom:10px}
.who{display:flex;align-items:center;gap:14px}
.avatar{width:48px;height:48px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-family:var(--display);font-weight:800;font-size:18px;flex-shrink:0}
.who strong{display:block;color:var(--navy)}
.who span{font-size:14px;color:var(--muted)}

/* ----- Preguntas frecuentes ----- */
.faq{display:grid;gap:12px;max-width:820px}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:0 24px}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);padding:20px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--display);font-size:24px;line-height:1;color:var(--orange)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{padding-bottom:20px;color:var(--muted)}

/* ----- Agencias ----- */
.agencies{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.agency{background:var(--white);border:1px solid var(--line);border-radius:20px;overflow:hidden;display:flex;flex-direction:column}
.agency .map{aspect-ratio:4/3;background:var(--sky)}
.agency iframe{width:100%;height:100%;border:0;display:block}
.agency .info{padding:24px 24px 28px}
.agency h3{font-family:var(--display);font-weight:800;color:var(--navy);font-size:26px}
.agency p{color:var(--muted);margin-top:6px}
.agency .ref{font-size:15px}
.agency a.dir{display:inline-block;margin-top:14px;font-weight:600;color:var(--navy);border-bottom:2px solid var(--gold);text-decoration:none}
.city-list{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line)}
.city-list a{display:block;padding:24px 24px 26px 0;border-bottom:1px solid var(--line);text-decoration:none}
.city-list a+a{padding-left:24px;border-left:1px solid var(--line)}
.city-list strong{display:block;font-family:var(--display);font-size:26px;color:var(--navy)}
.city-list span{color:var(--muted);font-size:16px}
.city-list a:hover strong{text-decoration:underline}

/* ----- Valores ----- */
.values{display:flex;flex-wrap:wrap;gap:12px;list-style:none}
.values li{background:var(--white);border:1px solid var(--line);padding:10px 20px;border-radius:999px;font-weight:600;color:var(--navy)}

/* ----- Llamado final ----- */
.cta{background:var(--navy);color:var(--white);border-radius:28px;padding:56px;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.cta h2{font-family:var(--display);font-weight:800;font-size:clamp(28px,3.2vw,40px);line-height:1.1;max-width:20ch}
.cta p{color:#C9D6EA;margin-top:8px}

/* ----- Pie de página ----- */
.site-footer{background:var(--navy-deep);color:#C9D6EA;padding:64px 0 32px;font-size:16px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:36px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.12)}
.foot-logo{height:64px;width:auto;filter:brightness(0) invert(1);margin-bottom:16px}
.site-footer h4{font-family:var(--display);color:var(--white);font-size:18px;margin-bottom:14px}
.site-footer ul{list-style:none;display:grid;gap:8px}
.site-footer a{text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.social{display:flex;gap:10px;margin-top:18px}
.social a{width:42px;height:42px;border-radius:50%;background:rgba(255,255,255,.08);display:grid;place-items:center;transition:background .2s}
.social a:hover{background:var(--gold);color:var(--navy-deep)}
.social svg{width:19px;height:19px}
.legal{padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:14px}

/* ----- Botón flotante de WhatsApp ----- */
.wa-float{position:fixed;right:20px;bottom:calc(20px + env(safe-area-inset-bottom,0px));z-index:50;width:58px;height:58px;border-radius:50%;background:#25D366;color:#fff;display:grid;place-items:center;box-shadow:0 10px 24px rgba(0,0,0,.2)}
.wa-float svg{width:30px;height:30px}

/* ----- 404 ----- */
.nf{padding:120px 0;text-align:center}
.nf h1{font-family:var(--display);font-weight:800;color:var(--navy);font-size:clamp(34px,5vw,56px)}
.nf p{color:var(--muted);margin:14px auto 28px;max-width:44ch}
.nf .actions{justify-content:center}

/* ===== Responsive ===== */
@media (max-width:1020px){
  .menu-toggle{display:flex}
  .nav-cta{display:none}
  .menu{display:none;position:absolute;top:100%;left:0;right:0;background:var(--white);flex-direction:column;align-items:stretch;gap:0;border-bottom:1px solid var(--line);padding:8px 12px 16px;max-height:calc(100vh - 80px);overflow-y:auto}
  .menu.open{display:flex}
  .menu a,.menu .drop-btn{padding:14px 10px;width:100%;text-align:left;border-radius:8px}
  .drop{position:static;box-shadow:none;border:0;padding:0 0 0 12px;min-width:0}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  section{padding:64px 0}
  .hero .wrap,.page-hero .wrap,.band,.two{grid-template-columns:1fr}
  .hero .wrap{padding:48px 0 64px}
  .hero-art{max-width:320px;margin-top:56px}
  .visit-card{left:-6px;width:230px}
  .services,.testimonials,.agencies,.freq,.city-list{grid-template-columns:1fr}
  .service{border-right:0}
  .city-list a+a{padding-left:0;border-left:0}
  .steps,.steps.four{grid-template-columns:1fr}
  .cta{padding:36px 28px}
  .sim-out{grid-template-columns:1fr}
  .page-hero{padding:44px 0 56px}
}
@media (max-width:520px){
  .foot-grid{grid-template-columns:1fr}
  .brand img{height:42px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none !important}
}

/* ----- Ajustes ----- */
.rot{display:block}
.fact .gauge{color:var(--navy)}
.bg-navy .gauge{color:var(--white)}
.box .note + .checks{margin-top:16px}
.two .testimonials{grid-template-columns:1fr}
.city-list[data-single]{grid-template-columns:1fr}
.city-list[data-single] a+a{padding-left:0;border-left:0}
.band > *,.two > *,.page-hero .wrap > *,.hero .wrap > *{min-width:0}
.flyer{width:100%;height:auto;max-width:380px}
.service .icon{display:block}
.photo{width:100%;height:auto}

/* ----- Tarjetas de servicios: azul al pasar el mouse o tocar ----- */
.service{transition:background .25s ease}
.service:hover,.service:focus-visible,.service:active{background:var(--navy)}
.service:hover h3,.service:focus-visible h3,.service:active h3{color:var(--gold)}
.service:hover p,.service:focus-visible p,.service:active p{color:#C9D6EA}
.service:hover .icon,.service:focus-visible .icon,.service:active .icon{color:var(--gold)}
.service:hover .more,.service:focus-visible .more,.service:active .more{color:var(--white)}
.service .icon,.service h3,.service p,.service .more{transition:color .25s ease}

/* ----- Inicio: quiénes somos y visítanos ----- */
.sub{font-family:var(--display);font-weight:600;color:var(--navy);font-size:24px;margin:44px 0 16px}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:stretch}
.contact-grid > *{min-width:0}
.contact-list{list-style:none;display:grid;gap:18px;margin-bottom:28px}
.contact-list strong{display:block;color:var(--navy);font-family:var(--display);font-size:18px}
.contact-list li{color:var(--muted)}
.contact-list a{text-decoration:none}
.home-map{border-radius:20px;overflow:hidden;min-height:380px;border:1px solid var(--line)}
.home-map iframe{width:100%;height:100%;min-height:380px;border:0;display:block}
[data-dato="horario"]{white-space:pre-line}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr}}