/* LATIN CREDIT — sitio web estático, adaptable y sin librerías externas */
:root {
  --black: #080909;
  --ink: #101112;
  --charcoal: #151515;
  --gold: #c8a765;
  --gold-deep: #a88948;
  --gold-light: #edd59f;
  --cream: #f5f1e8;
  --muted-cream: #e4ded1;
  --white: #fffdf8;
  --muted: #a4a19b;
  --font-sans: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  --font-serif: "Iowan Old Style", "Baskerville", "Palatino Linotype", "Book Antiqua", Georgia, serif;
  --shadow: 0 20px 55px rgba(0,0,0,.16);
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 96px; }
body { margin: 0; background: var(--black); color: var(--white); font-family: var(--font-sans); font-size: 16px; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
body.menu-open { overflow: hidden; }
::selection { background: var(--gold); color: var(--black); }
a { color: inherit; text-decoration: none; }
button, a { -webkit-tap-highlight-color: transparent; }
button { font-family: inherit; }
a:focus-visible, button:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 5px; }
img { display: block; max-width: 100%; }
svg { display: block; width: 20px; height: 20px; flex: none; }
h1, h2, h3, p { margin-top: 0; }
.container { width: min(1280px, calc(100% - 96px)); margin-inline: auto; }
.skip-link { z-index: 200; position: fixed; left: 18px; top: -80px; padding: 14px 20px; background: var(--gold); color: var(--ink); font-weight: 700; }
.skip-link:focus { top: 12px; }
.page-progress { position: fixed; inset: 0 0 auto; height: 2px; z-index: 110; pointer-events: none; }
.page-progress span { display: block; height: 100%; width: 100%; background: linear-gradient(90deg, var(--gold-deep), var(--gold-light)); transform: scaleX(0); transform-origin: left center; }

/* Encabezado */
.site-header { position: fixed; inset: 0 0 auto; z-index: 90; background: rgba(7,8,8,.43); border-bottom: 1px solid rgba(226,199,144,.13); transition: background .3s, box-shadow .3s, border-color .3s; }
.site-header.is-scrolled, .site-header:has(.mobile-nav.is-open) { background: rgba(10,10,10,.97); box-shadow: 0 12px 36px rgba(0,0,0,.23); border-color: rgba(226,199,144,.18); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); }
.header-wrap { height: 91px; display: flex; align-items: center; gap: 44px; }
.brand { display: inline-flex; align-items: center; flex: 0 0 auto; min-width: 245px; gap: 13px; }
.brand-symbol { object-fit: contain; width: 47px; height: 51px; filter: drop-shadow(0 0 8px rgba(209,174,95,.07)); }
.brand-copy { display: flex; flex-direction: column; gap: 5px; }
.brand-copy strong { font: 600 22px/1 var(--font-serif); letter-spacing: .065em; white-space: nowrap; color: var(--gold-light); }
.brand-copy strong span { color: var(--gold); }
.brand-copy small { letter-spacing: .205em; font-size: 8.8px; line-height: 1.3; color: rgba(237,213,159,.72); white-space: nowrap; }
.desktop-nav { display: flex; align-items: center; justify-content: center; gap: clamp(22px,2.5vw,42px); margin-left: auto; }
.nav-link { position: relative; color: #c4c1bb; font-size: 12px; letter-spacing: .015em; padding-block: 36px; transition: color .25s; }
.nav-link:hover, .nav-link.is-active { color: var(--white); }
.nav-link::after { content: ""; position: absolute; left: 0; right: 100%; height: 1px; bottom: 27px; background: var(--gold); transition: right .25s; }
.nav-link:hover::after, .nav-link.is-active::after { right: 0; }
.header-call { display: inline-flex; align-items: center; justify-content: space-between; flex: 0 0 auto; gap: 22px; min-height: 43px; padding: 0 15px 0 18px; border: 1px solid rgba(215,182,114,.66); color: var(--gold-light); letter-spacing: .03em; font-size: 11px; font-weight: 600; transition: color .25s, background .25s; }
.header-call:hover { color: var(--ink); background: var(--gold-light); }
.header-call svg { width: 16px; height: 16px; }
.menu-toggle { display: none; align-items: center; justify-content: center; flex-direction: column; gap: 6px; width: 46px; height: 46px; margin-left: auto; border: 1px solid rgba(211,177,114,.5); background: transparent; color: var(--gold); cursor: pointer; }
.menu-toggle span { height: 1px; width: 20px; background: currentColor; transition: transform .25s, opacity .25s; transform-origin: center; }
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobile-nav { display: none; }

/* Portada */
.hero { position: relative; isolation: isolate; min-height: min(940px, 100svh); background: radial-gradient(ellipse 80% 65% at 82% 45%, #262012 0%, transparent 65%), linear-gradient(120deg, #090a0a 0%, #0d0e0d 53%, #0b0b0a 100%); overflow: hidden; }
.hero::after { content: ""; position: absolute; bottom: 0; left: 0; right: 0; height: 270px; background: linear-gradient(0deg, #070808 0%, transparent 100%); pointer-events: none; z-index: -1; }
.hero-grid { position: absolute; inset: 0; z-index: -2; opacity: .12; background-image: linear-gradient(rgba(211,185,123,.28) 1px, transparent 1px), linear-gradient(90deg,rgba(211,185,123,.28) 1px,transparent 1px); background-size: 85px 85px; mask-image: linear-gradient(90deg, transparent 9%, black 76%); pointer-events: none; }
.hero-ambient { position: absolute; z-index: -1; border-radius: 50%; pointer-events: none; filter: blur(45px); }
.hero-ambient-1 { background: rgba(159,118,43,.12); width: 600px; height: 600px; right: -140px; top: 190px; }
.hero-ambient-2 { background: rgba(129,99,40,.08); width: 240px; height: 350px; left: -160px; bottom: 0; }
.hero-inner { display: grid; grid-template-columns: 1.08fr .92fr; align-items: center; gap: 28px; min-height: min(887px, calc(100svh - 50px)); padding-block: 138px 65px; }
.hero-content { position: relative; z-index: 2; padding: 25px 0 10px; animation: heroEnter .85s both; }
.eyebrow { display: flex; flex-wrap: wrap; align-items: center; gap: 13px; font-size: 10px; line-height: 1.5; letter-spacing: .22em; font-weight: 600; }
.eyebrow-light { color: var(--gold-light); }
.eyebrow-dark { color: #927239; }
.eyebrow-line { width: 35px; height: 1px; background: currentColor; flex: none; }
.eyebrow-divider { opacity: .38; padding-inline: 2px; }
.hero h1 { font: 400 clamp(68px, 6.45vw, 106px)/.99 var(--font-serif); letter-spacing: -.055em; margin: 31px 0 27px; color: #f6f1e8; max-width: 750px; }
.hero h1 em, .section-heading h2 em, .terms-intro h2 em, .contact-intro h2 em { font-weight: 400; color: var(--gold-light); font-style: italic; }
.hero-fullstop { color: var(--gold); }
.hero-description { max-width: 480px; font-size: clamp(15px,1.2vw,17px); line-height: 1.9; color: #b8b6af; margin-bottom: 33px; }
.hero-description strong { color: var(--gold-light); font-weight: 600; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 20px; min-height: 59px; padding: 0 23px; font-size: 12px; font-weight: 650; letter-spacing: .015em; transition: background .25s, transform .25s, border-color .25s, color .25s, box-shadow .25s; }
.btn:hover { transform: translateY(-3px); }
.btn svg { width: 19px; height: 19px; transition: transform .25s; }
.btn:hover svg { transform: translateX(4px); }
.btn-gold { color: #12120f; border: 1px solid #d2b87e; background: linear-gradient(115deg, #e4c98f, #c3a05a 80%, #e0c282); box-shadow: 0 10px 25px rgba(195,160,90,.12); }
.btn-gold:hover { background: linear-gradient(115deg, #f0d9a6, #dab878); box-shadow: 0 14px 32px rgba(195,160,90,.21); }
.btn-outline { border: 1px solid rgba(219,193,136,.4); color: #f3eddf; background: rgba(255,255,255,.015); }
.btn-outline:hover { border-color: var(--gold-light); background: rgba(215,180,100,.07); }
.btn-outline .phone-svg { width: 17px; height: 17px; }
.hero-bottomline { display: flex; align-items: center; flex-wrap: wrap; gap: 12px; margin-top: 57px; font-size: 10.5px; letter-spacing: .09em; color: #96938b; }
.hero-bottomline-rule { width: 28px; height: 1px; background: #937849; margin-right: 3px; }
.hero-minidot { width: 3px; height: 3px; border-radius: 50%; background: var(--gold); }
.hero-art { position: relative; width: 100%; max-width: 640px; height: 650px; justify-self: center; --art-move-x: 0px; --art-move-y: 0px; animation: heroEnter 1.1s .15s both; }
.hero-art-halo { position: absolute; width: 450px; height: 450px; top: 112px; left: 50%; transform: translateX(-50%); border-radius: 50%; background: radial-gradient(circle, rgba(184,145,68,.2), rgba(164,130,66,.07) 45%, transparent 70%); filter: blur(20px); }
.art-orbit { position: absolute; top: 50%; left: 50%; aspect-ratio: 1; border-radius: 50%; transform: translate(-50%,-50%); pointer-events: none; }
.art-orbit-out { width: min(100%, 575px); border: 1px solid rgba(212,176,106,.26); }
.art-orbit-out::before, .art-orbit-out::after { position: absolute; content: ""; width: 7px; height: 7px; border-radius: 50%; background: #d0af72; box-shadow: 0 0 16px rgba(236,194,110,.45); }
.art-orbit-out::before { left: 22%; top: 8%; }.art-orbit-out::after { right: 15%; bottom: 13%; }
.art-orbit-mid { width: min(86%, 492px); border: 1px solid rgba(227,193,116,.1); box-shadow: inset 0 0 0 20px rgba(184,142,63,.025); }
.art-orbit-in { width: min(71%, 402px); border: 1px solid rgba(225,187,110,.28); background: radial-gradient(circle, rgba(213,177,104,.055) 0%, transparent 67%); }
.art-orbit-in::before { content: ""; position: absolute; inset: 10px; border-radius: 50%; border: 1px dashed rgba(210,178,106,.13); }
.art-monogram { position: absolute; width: 280px; left: 50%; top: 50%; transform: translate(calc(-50% + var(--art-move-x)),calc(-50% + var(--art-move-y))); transition: transform .45s ease-out; filter: drop-shadow(0 10px 40px rgba(212,164,86,.18)); }
.art-monogram img { width: 100%; height: auto; }
.art-star { position: absolute; width: 16px; height: 16px; opacity: .65; }
.art-star::before, .art-star::after { position: absolute; content: ""; background: var(--gold-light); }
.art-star::before { width: 1px; height: 100%; left: 50%; }.art-star::after { width: 100%; height: 1px; top: 50%; }
.art-star-top { right: 70px; top: 38px; }.art-star-bottom { left: 28px; bottom: 85px; transform: scale(.7); }
.art-label { position: absolute; font-size: 9px; letter-spacing: .22em; white-space: nowrap; color: rgba(225,204,157,.48); }
.art-label span { color: var(--gold); }
.art-label-top { top: 26px; left: 68px; }.art-label-bottom { right: 42px; bottom: 26px; }
.floating-rate { position: absolute; top: 128px; right: -17px; min-width: 177px; padding: 19px 20px 17px; background: rgba(13,13,13,.82); border: 1px solid rgba(225,186,109,.47); backdrop-filter: blur(14px); box-shadow: 0 20px 55px rgba(0,0,0,.25); }
.floating-card-top { display: block; font-size: 8px; letter-spacing: .16em; color: #b8a98c; }
.floating-rate strong { display: block; font: 400 76px/.95 var(--font-serif); color: var(--gold-light); margin-block: 10px 5px; }
.floating-rate strong span { font-size: .53em; }
.floating-card-foot { font-size: 9px; color: #e1d1af; letter-spacing: .15em; }
.floating-amount { position: absolute; bottom: 102px; left: -22px; display: flex; align-items: center; gap: 15px; padding: 22px 23px; background: #e8d3a6; color: #161410; box-shadow: 0 28px 60px rgba(0,0,0,.25); }
.amount-line { width: 1px; height: 44px; background: rgba(78,54,24,.35); }
.floating-amount small { display: block; font-size: 9px; letter-spacing: .16em; margin-bottom: 9px; color: #55442e; }
.floating-amount strong { display: block; font-size: 17px; white-space: nowrap; font-weight: 650; }
.floating-amount strong span { font-size: 10px; font-weight: 600; }
.hero-foot { min-height: 53px; padding: 0 0 22px; position: relative; z-index: 4; display: flex; justify-content: space-between; align-items: flex-end; gap: 20px; color: #817d74; font-size: 9px; letter-spacing: .17em; }
.foot-separator { color: var(--gold); }
.hero-foot a { display: inline-flex; gap: 15px; align-items: center; transition: color .25s; }
.hero-foot a:hover { color: var(--gold-light); }
.scroll-arrow { font-size: 21px; line-height: 10px; color: var(--gold); }

/* Banda editorial */
.category-band { position: relative; background: #dac08c; color: #262015; }
.category-inner { min-height: 78px; display: flex; justify-content: space-between; align-items: center; gap: 18px; }
.category-inner > span:not(.band-cross) { display: flex; align-items: center; gap: 11px; font: 500 13px/1.3 var(--font-serif); letter-spacing: .015em; }
.category-point { width: 5px; height: 5px; border: 1px solid #745324; transform: rotate(45deg); }
.band-cross { width: 1px; height: 27px; background: rgba(54,40,19,.28); }

/* Secciones claras */
.section-paper { color: #171816; background: var(--cream); }
.services { position: relative; overflow: hidden; padding: clamp(95px,9vw,150px) 0 145px; }
.services::before { content: ""; position: absolute; right: -10%; top: -35%; width: 680px; height: 680px; border: 1px solid rgba(165,138,87,.1); border-radius: 50%; pointer-events: none; }
.services-heading { display: flex; align-items: flex-end; justify-content: space-between; gap: 40px; margin-bottom: 48px; }
.section-heading h2, .terms-intro h2, .contact-intro h2 { font: 400 clamp(51px,5.8vw,86px)/1.05 var(--font-serif); letter-spacing: -.052em; }
.section-heading h2 { max-width: 780px; margin: 28px 0 0; }
.section-heading h2 em, .contact-intro h2 em { color: #a17c3f; }
.services-heading > p { font-size: 14px; line-height: 1.75; color: #726b61; margin: 0 0 7px; max-width: 225px; }
.services-grid { position: relative; z-index: 1; display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 22px; }
.service-card { position: relative; display: flex; flex-direction: column; min-height: 483px; padding: clamp(30px,3.5vw,50px); background: linear-gradient(150deg, #171818 0%, #0d0e0e 70%); color: #fffdf7; border: 1px solid #343127; overflow: hidden; transition: transform .35s, box-shadow .35s, border-color .35s; }
.service-card::before { content: ""; position: absolute; width: 280px; height: 280px; border: 1px solid rgba(201,170,103,.09); border-radius: 50%; top: -137px; right: -120px; pointer-events: none; }
.service-card::after { content: ""; position: absolute; bottom: -1px; left: 0; width: 0; height: 2px; background: linear-gradient(90deg, var(--gold-light), var(--gold-deep)); transition: width .4s; }
.service-card:hover { transform: translateY(-6px); border-color: rgba(201,170,103,.65); box-shadow: var(--shadow); }
.service-card:hover::after { width: 100%; }
.service-card-head { position: relative; display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 52px; }
.service-number { color: #dbb979; font: 400 34px/1 var(--font-serif); }
.service-number span { color: #888072; font: 400 11px/1 var(--font-sans); letter-spacing: .12em; }
.service-icon { width: 73px; height: 73px; display: grid; place-items: center; border: 1px solid rgba(220,189,122,.36); border-radius: 50%; color: #d4b578; background: rgba(219,181,104,.04); }
.service-icon svg { width: 42px; height: 42px; }
.service-content { flex: 1; }
.service-content h3 { font: 400 clamp(35px,3.2vw,47px)/1.14 var(--font-serif); letter-spacing: -.038em; max-width: 430px; margin: 0 0 22px; }
.service-content h3 em { color: var(--gold-light); font-style: italic; }
.service-divider { width: 35px; height: 1px; background: var(--gold-deep); margin-bottom: 23px; }
.service-content ul { padding: 0; margin: 0; list-style: none; display: grid; gap: 15px; }
.service-content li { position: relative; padding-left: 22px; color: #b7b4ad; font-size: 14px; line-height: 1.75; }
.service-content li::before { content: ""; position: absolute; width: 6px; height: 6px; top: 10px; left: 0; border: 1px solid var(--gold); transform: rotate(45deg); }
.service-link { position: relative; z-index: 1; border-top: 1px solid #36332d; margin-top: 34px; padding-top: 22px; display: flex; align-items: center; justify-content: space-between; gap: 15px; color: var(--gold-light); text-transform: uppercase; letter-spacing: .11em; font-size: 10px; font-weight: 600; }
.service-link svg { transition: transform .25s; }
.service-link:hover svg { transform: translate(3px,-3px); }
.services-watermark { pointer-events: none; position: absolute; right: -90px; bottom: -158px; font: 400 390px/1 var(--font-serif); letter-spacing: -.06em; color: rgba(172,139,78,.045); }

/* Montos */
.terms { padding: clamp(100px,10vw,158px) 0 140px; position: relative; background: radial-gradient(circle at 0% 25%,rgba(137,97,46,.105),transparent 32%), #0b0c0c; isolation: isolate; overflow: hidden; }
.terms-pattern { position: absolute; inset: 0; pointer-events: none; z-index: -1; background: repeating-linear-gradient(135deg, transparent 0 99px, rgba(214,182,117,.035) 100px, transparent 101px 200px); mask-image: linear-gradient(90deg, transparent 8%, black 100%); }
.terms-intro { margin-bottom: 58px; max-width: 870px; }
.terms-intro h2 { margin: 26px 0 16px; }
.terms-intro > p { color: #aaa59a; font-size: 14px; margin: 0; }
.terms-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 18px; }
.term-card { min-height: 330px; padding: 33px clamp(29px,3.6vw,45px); display: flex; flex-direction: column; background: #161717; border: 1px solid #37342e; transition: border-color .3s, background .3s, transform .3s; }
.term-card:hover { background: #1d1c1a; border-color: rgba(209,174,100,.55); transform: translateY(-3px); }
.term-card-major { background: linear-gradient(145deg,#30281b,#171818 80%); border-color: #78603c; }
.term-card-major:hover { background: linear-gradient(145deg,#3a2e1e,#171818 80%); }
.term-card-overline { display: flex; justify-content: space-between; gap: 16px; align-items: flex-start; margin-bottom: auto; color: #d7c194; font-size: 10px; line-height: 1.6; letter-spacing: .16em; font-weight: 600; }
.term-corner { color: #8a806f; font-size: 10px; }
.term-value { display: flex; align-items: baseline; flex-wrap: wrap; gap: 6px 10px; padding-block: 24px 22px; }
.term-value > small { flex-basis: 100%; color: #d5ba83; font: italic 29px/1 var(--font-serif); }
.term-value strong { color: var(--gold-light); font: 400 clamp(45px,4.3vw,67px)/1 var(--font-serif); letter-spacing: -.05em; }
.term-value > span { font: 500 13px/1 var(--font-sans); letter-spacing: .1em; color: #dcc48f; }
.term-value-rate strong { font-size: clamp(61px,6.1vw,92px); }
.term-value-rate strong span { font-size: .6em; }
.term-statement { color: #f1eee8; font: 400 clamp(29px,2.8vw,40px)/1.18 var(--font-serif); letter-spacing: -.025em; padding-block: 34px 29px; max-width: 450px; }
.term-statement em { color: var(--gold-light); }
.term-rule { height: 1px; width: 100%; background: linear-gradient(90deg, rgba(213,174,101,.65),rgba(213,174,101,.08)); }
.term-card > p { color: #8f8c86; font-size: 12px; line-height: 1.6; margin: 15px 0 0; }

/* Barra ornamental */
.interlude { background: #d5b779; color: #231c12; }
.interlude-inner { min-height: 103px; display: flex; align-items: center; justify-content: center; gap: clamp(15px,4vw,60px); }
.interlude p { margin: 0; font: 400 clamp(12px,1.55vw,20px)/1.35 var(--font-serif); letter-spacing: .1em; text-align: center; }
.interlude p span { margin-inline: 8px; opacity: .5; }
.interlude-star { position: relative; width: 27px; height: 27px; flex: none; }
.interlude-star::before, .interlude-star::after { content: ""; position: absolute; background: #75582b; }
.interlude-star::before { width: 1px; height: 100%; left: 50%; }.interlude-star::after { width: 100%; height: 1px; top: 50%; }

/* Contacto */
.contact { padding: clamp(100px,9vw,148px) 0 clamp(110px,9vw,142px); position: relative; overflow: hidden; }
.contact::before { content: ""; position: absolute; width: 540px; height: 540px; border: 1px solid rgba(150,113,60,.1); border-radius: 50%; left: -320px; bottom: -300px; }
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; align-items: center; gap: clamp(40px,7vw,110px); }
.contact-intro h2 { margin: 31px 0 24px; max-width: 580px; }
.contact-intro > p { color: #85745e; font-size: 15px; letter-spacing: .02em; }
.contact-decoration { display: flex; align-items: center; gap: 9px; margin-top: 60px; }
.contact-decoration span:nth-child(1) { width: 63px; height: 1px; background: var(--gold-deep); }
.contact-decoration span:nth-child(2) { width: 7px; height: 7px; border: 1px solid var(--gold-deep); transform: rotate(45deg); }
.contact-decoration span:nth-child(3) { width: 25px; height: 1px; background: #d5c09b; }
.contact-panel { position: relative; min-height: 389px; background: #111212; color: var(--white); padding: clamp(28px,4vw,53px); overflow: hidden; box-shadow: 16px 18px 0 #e4dac7; }
.contact-panel::before { content: ""; position: absolute; inset: 0; pointer-events: none; border: 1px solid rgba(201,170,103,.4); }
.contact-panel-top { position: relative; z-index: 2; display: flex; justify-content: space-between; color: var(--gold-light); font-size: 10px; letter-spacing: .2em; margin-bottom: 61px; }
.contact-panel-top svg { width: 19px; height: 19px; }
.contact-panel-label { position: relative; z-index: 2; display: block; color: #a9a399; font-size: 10px; letter-spacing: .19em; margin-bottom: 12px; }
.contact-phone { position: relative; z-index: 2; display: inline-block; font: 400 clamp(38px,4.4vw,63px)/1.1 var(--font-serif); color: var(--gold-light); letter-spacing: -.045em; transition: color .25s; white-space: nowrap; }
.contact-phone:hover { color: #fff4d8; }
.contact-panel-separator { position: relative; z-index: 2; height: 1px; background: rgba(213,183,120,.33); margin: 30px 0 26px; }
.contact-btn { position: relative; z-index: 2; justify-content: space-between; min-width: 190px; }
.contact-watermark { position: absolute; right: -50px; bottom: -120px; width: 260px; opacity: .045; filter: grayscale(1); pointer-events: none; }

/* Pie */
.site-footer { background: #0b0b0b; border-top: 1px solid rgba(203,175,111,.22); }
.footer-upper { padding-block: 58px; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.brand-footer { min-width: unset; display: inline-flex; align-items: center; }
.footer-full-logo { display: block; width: 105px; height: auto; object-fit: contain; }
.footer-upper > p { color: #a9a59e; font-size: 13px; margin: 0; }
.footer-phone { display: inline-flex; align-items: center; gap: 11px; color: var(--gold-light); font: 400 24px var(--font-serif); white-space: nowrap; transition: color .2s; }
.footer-phone:hover { color: #fff6df; }
.footer-phone svg { width: 17px; height: 17px; }
.footer-lower { display: flex; align-items: center; justify-content: space-between; gap: 22px; border-top: 1px solid #282622; padding-block: 22px 30px; color: #78756f; font-size: 10px; letter-spacing: .13em; }
.footer-divide { color: var(--gold-deep); margin-inline: 7px; }
.footer-lower nav { display: flex; flex-wrap: wrap; gap: 24px; letter-spacing: .02em; }
.footer-lower a { transition: color .2s; }
.footer-lower a:hover { color: var(--gold-light); }
.mobile-call-floating { display: none; }

/* Revelado progresivo (el contenido permanece visible sin JavaScript) */
.js-enabled [data-reveal] { opacity: 0; transform: translateY(25px); transition: opacity .72s ease, transform .72s cubic-bezier(.16,1,.3,1); }
.js-enabled [data-reveal].is-visible { opacity: 1; transform: translateY(0); }
.services-grid [data-reveal]:nth-child(2), .terms-grid [data-reveal]:nth-child(even) { transition-delay: .1s; }
@keyframes heroEnter { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }

@media (max-width: 1230px) {
  .header-wrap { gap: 24px; }
  .brand { min-width: 216px; }
  .brand-copy strong { font-size: 19px; }
  .desktop-nav { gap: 23px; }
  .hero h1 { font-size: clamp(64px,6.8vw,91px); }
  .hero-inner { grid-template-columns: 1fr .95fr; }
  .hero-art { height: 575px; }
  .art-orbit-out { width: 480px; }.art-orbit-mid { width: 418px; }.art-orbit-in { width: 345px; }
  .art-monogram { width: 235px; }
  .floating-rate { right: -25px; top: 99px; }.floating-amount { bottom: 77px; }
  .art-label-top { left: 35px; }.art-label-bottom { right: 20px; }
}
@media (max-width: 1050px) {
  .container { width: min(100% - 62px, 1280px); }
  .header-call { display: none; }
  .desktop-nav { gap: 26px; }
  .hero-inner { gap: 0; }
  .hero-art { transform: scale(.88); transform-origin: center center; }
  .hero h1 { font-size: clamp(58px,6.65vw,82px); }
  .service-card { min-height: 500px; }
}
@media (max-width: 900px) {
  html { scroll-padding-top: 75px; }
  .header-wrap { height: 77px; }
  .brand-symbol { width: 41px; height: 46px; }
  .brand-copy strong { font-size: 20px; }
  .brand-copy small { font-size: 8px; }
  .desktop-nav { display: none; }
  .menu-toggle { display: inline-flex; }
  .mobile-nav { position: absolute; top: 77px; left: 0; right: 0; display: flex; flex-direction: column; gap: 0; padding: 22px max(31px, calc((100vw - 1280px)/2)) 38px; background: #0b0b0b; border-bottom: 1px solid rgba(211,177,114,.4); opacity: 0; visibility: hidden; transform: translateY(-10px); pointer-events: none; transition: opacity .25s, transform .25s, visibility .25s; max-height: calc(100svh - 77px); overflow-y: auto; }
  .mobile-nav.is-open { opacity: 1; visibility: visible; pointer-events: auto; transform: translateY(0); }
  .mobile-nav a { display: flex; justify-content: space-between; align-items: center; gap: 15px; border-bottom: 1px solid #343127; padding: 19px 0; font: 400 29px/1.2 var(--font-serif); }
  .mobile-nav a span { font: 400 11px var(--font-sans); color: var(--gold); }
  .mobile-nav a.mobile-nav-call { font: 600 12px var(--font-sans); letter-spacing: .04em; color: var(--black); background: var(--gold-light); border: 0; margin-top: 27px; padding: 18px; }
  .mobile-nav-call svg { width: 18px; height: 18px; }
  .hero { min-height: auto; }
  .hero-inner { min-height: auto; padding-block: 150px 75px; grid-template-columns: 1fr; }
  .hero-content { max-width: 670px; }
  .hero h1 { font-size: clamp(70px,10vw,100px); }
  .hero-description { font-size: 16px; }
  .hero-bottomline { margin-top: 40px; }
  .hero-art { height: 595px; width: min(570px,100%); margin: 35px auto 0; transform: none; }
  .art-orbit-out { width: 530px; }.art-orbit-mid { width: 460px; }.art-orbit-in { width: 378px; }
  .art-monogram { width: 265px; }.floating-rate { top: 118px; right: -3px; }.floating-amount { bottom: 84px; left: -10px; }
  .hero-foot { padding-bottom: 20px; }
  .services { padding: 108px 0 115px; }
  .services-heading { align-items: flex-start; flex-direction: column; gap: 20px; }
  .section-heading h2 { margin-top: 23px; }
  .services-grid { gap: 17px; }
  .service-card { padding: 30px; min-height: 495px; }
  .service-content h3 { font-size: 34px; }.service-card-head { margin-bottom: 35px; }
  .terms { padding: 110px 0; }.term-card { min-height: 320px; padding: 28px; }
  .contact-grid { gap: 38px; }.contact-panel { padding: 31px; box-shadow: 10px 10px 0 #e4dac7; }
  .contact-phone { font-size: 40px; }
  .footer-upper { flex-wrap: wrap; }.footer-upper > p { order: 3; flex-basis: 100%; }
}
@media (max-width: 650px) {
  .container { width: calc(100% - 40px); }
  .header-wrap { height: 72px; }
  .mobile-nav { top: 72px; padding-inline: 20px; max-height: calc(100svh - 72px); }
  .brand { min-width: auto; gap: 10px; }.brand-symbol { width: 36px; height: 42px; }.brand-copy strong { font-size: 17.5px; }.brand-copy small { font-size: 7px; letter-spacing: .165em; }
  .menu-toggle { width: 43px; height: 43px; }
  .hero-inner { padding: 136px 0 57px; }
  .hero h1 { font-size: clamp(59px,12.3vw,83px); letter-spacing: -.053em; margin-top: 24px; margin-bottom: 25px; }
  .hero-description { font-size: 15px; line-height: 1.8; margin-bottom: 27px; }
  .eyebrow { font-size: 9px; gap: 9px; letter-spacing: .14em; }.eyebrow-line { width: 25px; }
  .hero-actions { gap: 10px; }.btn { min-height: 55px; padding: 0 20px; font-size: 12px; gap: 11px; }
  .hero-bottomline { margin-top: 35px; gap: 9px; letter-spacing: .015em; font-size: 10px; }
  .hero-art { width: 100%; max-width: 430px; height: 450px; margin-top: 30px; }
  .hero-art-halo { width: 310px; height: 310px; top: 78px; }
  .art-orbit-out { width: min(96%,400px); }.art-orbit-mid { width: min(82%,340px); }.art-orbit-in { width: min(68%,278px); }
  .art-monogram { width: min(48%,200px); }
  .art-label { font-size: 7px; }.art-label-top { left: 16px; top: 12px; }.art-label-bottom { right: 2px; bottom: 8px; }
  .art-star-top { right: 30px; }.art-star-bottom { left: 8px; bottom: 53px; }
  .floating-rate { top: 67px; right: -7px; min-width: 125px; padding: 13px 13px 12px; }.floating-card-top { font-size: 7px; }.floating-rate strong { font-size: 54px; margin-block: 7px 3px; }.floating-card-foot { font-size: 8px; }
  .floating-amount { bottom: 62px; left: -3px; padding: 15px 16px; gap: 10px; }.amount-line { height: 34px; }.floating-amount small { font-size: 7px; margin-bottom: 5px; }.floating-amount strong { font-size: 14px; }.floating-amount strong span { font-size: 8px; }
  .hero-foot { font-size: 8px; letter-spacing: .085em; }.hero-foot > span:last-child { display: none; }
  .category-inner { flex-wrap: wrap; justify-content: center; gap: 13px 23px; padding-block: 19px; }.category-inner > span:not(.band-cross) { font-size: 12px; }.band-cross { display: none; }
  .services { padding: 90px 0 100px; }.section-heading h2, .terms-intro h2, .contact-intro h2 { font-size: clamp(48px,10vw,70px); }
  .services-heading { margin-bottom: 31px; }
  .services-grid { grid-template-columns: 1fr; }.service-card { min-height: 430px; padding: 30px; }.service-card-head { margin-bottom: 37px; }.service-content h3 { font-size: clamp(35px,8vw,44px); }
  .terms { padding: 92px 0 100px; }.terms-intro { margin-bottom: 38px; }.terms-grid { grid-template-columns: 1fr; gap: 12px; }.term-card { min-height: 285px; padding: 28px; }.term-value strong { font-size: clamp(49px,11vw,69px); }.term-value-rate strong { font-size: 80px; }.term-statement { font-size: 34px; }
  .interlude-inner { min-height: 83px; gap: 15px; }.interlude-star { width: 18px; height: 18px; }.interlude p { font-size: 13px; letter-spacing: .04em; }
  .contact { padding: 90px 0 106px; }.contact-grid { grid-template-columns: 1fr; gap: 32px; }.contact-intro h2 { margin: 23px 0 18px; }.contact-decoration { margin-top: 29px; }
  .contact-panel { min-height: 325px; }.contact-panel-top { margin-bottom: 40px; }.contact-phone { font-size: clamp(39px,8.5vw,57px); }.contact-panel-separator { margin: 25px 0 23px; }
  .footer-upper { padding-block: 47px 35px; gap: 25px; }.footer-upper > p { margin-top: -9px; }.footer-phone { font-size: 23px; }.footer-lower { flex-direction: column-reverse; align-items: flex-start; padding-block: 25px 33px; gap: 29px; }.footer-lower nav { gap: 14px 20px; }
  .mobile-call-floating { display: inline-flex; align-items: center; gap: 10px; position: fixed; bottom: max(18px,env(safe-area-inset-bottom)); right: 18px; z-index: 45; padding: 13px 19px; border: 1px solid #e3c991; background: #d3b477; color: #101010; box-shadow: 0 8px 34px rgba(0,0,0,.25); font-size: 12px; font-weight: 700; }
  .mobile-call-floating { opacity: 0; transform: translateY(12px); pointer-events: none; transition: opacity .25s, transform .25s; }
  .show-floating-call .mobile-call-floating { opacity: 1; transform: translateY(0); pointer-events: auto; }
  .mobile-call-floating svg { width: 17px; height: 17px; }
}
@media (max-width: 390px) {
  .hero h1 { font-size: 53px; }
  .hero-art { height: 390px; }.hero-art-halo { top: 60px; }.art-orbit-out { width: 340px; }.art-orbit-mid { width: 292px; }.art-orbit-in { width: 244px; }.art-monogram { width: 166px; }
  .floating-rate { right: -5px; top: 48px; }.floating-amount { bottom: 42px; }
  .hero-foot a { font-size: 7px; }
  .contact-phone { font-size: 36px; }
  .service-card { padding: 25px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; scroll-behavior: auto !important; transition-duration: .01ms !important; }
  .js-enabled [data-reveal] { opacity: 1; transform: none; }
}

/* Mantener la identidad original en el pie de página incluso en móviles */
@media (max-width: 650px) { .footer-full-logo { width: 96px; } }